The Troubleshooter 10-02-25

Episode Transcript

Speaker 1 (00:05):
Ripped off.

Speaker 2 (00:07):
You don't have.

Speaker 1 (00:13):
Run in susas as we can.

Speaker 2 (00:16):
Shooter's gonna help.

Speaker 1 (00:18):
Come man, this is the Troubleshooter Show. No Tom Martine, Welcome, Welcome,
my friends to the only show of its kind. We're
here to solve problems, answer questions. We are here to
make your life just a little bit better. That's what
we do. We do a day in and day out.
If you've been ripped off or taken advantage of, I
want to hear from you. We have two lines open.

(00:40):
It's very simple. You have a problem. Maybe a contractor
ripped you off. Maybe they took money and did a
horrible job, or even worse, they took money and didn't
do a damn thing. Doesn't matter. We get involved in everything.
We get directly involved in fact. Most of the time,
I'll try to get the other side of the story
right on air. That's what we love doing on this show.

(01:00):
We love exposing bad guys, and sometimes the bad guys
are the people that called up that are lying about
the situation that happens. Three oh three seven one, three
eight two five five. It's that simple. Three oh three Martino,
three zero three Martino. By the way, help it troubleshooter
dot com. We get emails in there constantly, and both

(01:23):
of those ways to contact us work all the time.
Even if we're not live on the air, like right now,
you can still get through on three oh three Martino
and help it. Troubleshooter dot Com. A lot going on.
We've got some updates. We're going to touch base on
a little later. I want to tell everybody who's in
studio we got Dan McKenzie with Mackenzie law. Dan, how

(01:44):
are you doing, man? It's been a little bit, not
too long. It's been over a month though, because I've
been gone. Yeah, how are you?

Speaker 3 (01:50):
Ben?

Speaker 4 (01:51):
Very good? Very good?

Speaker 1 (01:52):
How's uh? How's the business of wills? That's a strange question,
isn't it? But it's true. It's like any other business.
I mean you guys, is this time a year any different?
I would assume in your industry, in your practice of law,
it's probably the same all the time. I don't think
more people pass away or decide to get a will

(02:12):
at any certain time. Right, Is there such a thing?

Speaker 4 (02:15):
We just had this gotch the other day.

Speaker 5 (02:16):
My paralegal, who is pretty experienced, says she does notice
an uptake in or an increase in the amount of
people passing away around this time of year. So I
don't know why. No, it's anecdotal. I don't even know
if it's true. It might just be heard thinking that.
But holidays probably when people pass away during the holidays
is probably more notable.

Speaker 1 (02:36):
So do you think people like maybe around the holidays
they get more depressed, maybe a loved one has passed
away or something.

Speaker 5 (02:45):
Sure, I know my family, I mean my dad's side,
like December is just one day after another, where it's like,
this is another anniversary of somebody dying.

Speaker 1 (02:52):
So that's horrible. Yeah, in our family, it's kind of funny.
My parents are still alive. So a lot of people
my age have already lost a parent. I mean, what
do you think that average is. I mean, that's I'm
kind of picking your brain here, but I'm fifty three.
When do you think by fifty three, do you think
someone's already lost one of their parents? In general? Sure?

Speaker 5 (03:14):
I mean, yeah, obviously if your parents are thirty years
older than you of them there, they're in their mid eighties,
you're in your mid fifties.

Speaker 1 (03:19):
No sense, that's exactly it. My parents are in their
mid eighties. They're both thankfully in good shape. I mean,
not great shape. It's kind of funny. You listen to
my dad as you get to be a certain age.
He plays poker a lot in the community. They're in
a you know, fifty five and older community, and he's like,
he just had shoulder surgery and it popped back out

(03:42):
after the surgery, so it was like in pain and
he's kind of been going through that. But that's all
good now. But he's like, I'm like, oh, are you
still playing cards? He's like, yeah, yeah, I can still
play cards, even in the sling. But he goes, I
don't really complain about it, because if you sit around
the poker table, you know, having shoulder surgery is nothing.
There's people that have got you know, cancer, there's people

(04:05):
that I mean, it's just incredible. It's like it sounds
like the most depressing place to ever be around eighty
year old people and older playing poker. My poker group,
you're two years away, yeah, two years away. That is
kind of funny. That is weird some of these communities

(04:26):
that's picking up all kinds of stuff dot kill that
I don't know why that did that. That's weird. But
it's kind of strange thinking Suzanne while she can't, but
I could literally move into a fifty five and older
community in two years. That sucks.

Speaker 4 (04:43):
I'm closing in on it too.

Speaker 1 (04:45):
That is so wild. Thanks for pointing that out, Dan. So,
any questions you have on will's probate trusts, what's the
biggest thing you get a question on, Like after we
do advertising for you been on the show, Like, what's
the number one question coming into your office?

Speaker 5 (05:03):
I think it's still just general confusion about why and
when you need to get a court involved, you know,
probate specifically as the tournament comes up.

Speaker 1 (05:11):
But give me an idea then answer that questions when
you pass away, if you have eighty six thousand bucks
or real estate in your name, that's the threshold.

Speaker 5 (05:20):
It doesn't have anything to do with whether you have
a will, doesn't have anything to do with anyone's contesting it.

Speaker 4 (05:25):
It doesn't.

Speaker 5 (05:25):
I mean, it's like you go to a bank to
try and get your dad's money out of there.

Speaker 4 (05:29):
They're going to wonder who you are and why you
have the authority to do that.

Speaker 1 (05:32):
Yeah, And he said eighty six thousand that must be
the threshold for the smallest state affidavit now correct.

Speaker 5 (05:38):
Yeah, if you look at the statues, that's fifty thousand.
It gets adjusted every year a couple of thousand bucks.
It's an how we're up to eighty six.

Speaker 1 (05:43):
And even if you own a piece of land, like
my parents actually own a piece of land on the
side of a cliff up in West Creek, Colorado. Yeh, so,
I mean literally the value of this land is probably
eight hundred dollars. There's nothing you could ever do with it.
It is legit jitimately a side of a cliff. How
we ended up with it, I have no idea, nor

(06:04):
do I care. It's it's worthless. But you still can't
use a small estate after David to transfer that.

Speaker 5 (06:12):
Yeah, we have a lot of people at mineral interests
that is technically real estate, and it's like they could
be really not producing anything at all.

Speaker 1 (06:19):
Why do you think that? Is it like that in
most states or you don't know.

Speaker 5 (06:22):
I think the problem is just like if things get
messed up with real estate, it's like, what can the
states get very laid out money you can probably fix
if things go to the wrong person, But once real
estate gets messed up, it's really hard to undo things.

Speaker 1 (06:34):
Yeah, it's really hard. You're absolutely right. Yeah, that's that's
very curious. So if someone passes away in the assets
are more than eighty six thousand dollars, I mean, unless
you have a trust, and a trust makes it to
where you don't have probate, right, if everything was in
order at least if you don't have a trust, even
if you just have a will, I mean, you're going

(06:55):
to open probate and everything does everything become public?

Speaker 5 (07:00):
Things going through the probate process are in a court process,
and the court process has some you know, accessibility to it.
They try and they try and shield some stuff from
public view unless you really have an interest in it.
But your creditors are going to see it. Your whole
family's going to see it. People think, well, I'm disinheriting
this person. He doesn't need to see it, Like, yeah
he does. I mean that's part like he might have
been you just mentioned. Sometimes the callers who call in

(07:23):
are the bad guy. Yeah, of course, sometimes the guy
who got disinherited it turns out to be the good guy.

Speaker 4 (07:28):
Right, So we got to give them a chance to
you know, challenge that.

Speaker 1 (07:32):
So walk me through this. If you have a trust,
and let's say Susanna and I have a trust yeah,
and we both pass away in a horrible accident at
the same time, and our daughter is the executor. Does
that sound right? Yeah?

Speaker 4 (07:45):
Yeah, that sounds right.

Speaker 1 (07:46):
So what does she do? What's the number one thing?

Speaker 6 (07:50):
Like to you?

Speaker 1 (07:51):
How do you? How do you start moving? Okay, you
have this piece of paper and she's the executor. What
does she do?

Speaker 4 (07:59):
So so first she's got to figure out what you had.

Speaker 5 (08:02):
I mean, she'll have a probably a good idea about that,
right she knows Okay, there's a house circumstance, of course. Yeah,
I mean that's why people pick family members so often,
is because they're going to kind of know, Okay, they
have a house here, maybe another one there that we
kind of know where they bank.

Speaker 4 (08:15):
It can be a real investigative issue.

Speaker 5 (08:18):
Like you're going through wallets trying to look at credit
cards and it's like unlocking you know, Okay, this credit
card is here. Where's the bank that this money's coming from?
And we see payments coming from, you know, Bank of America. Okay,
now we know we've got to go to Bank of America.

Speaker 1 (08:31):
So so what do you do in that case? So
take something that simple. You know your parents or whoever
it is banked with Bank of America, do you go
how do you go to Bank America and go, hey,
Mark Major and Brenda Major they passed away. I need
to know what accounts they have? It should be in
this trust or I mean really, and most bank accounts
aren't going to be in the trust, are they minor accounts?

Speaker 5 (08:54):
Like if people have checking accounts that have maybe ten
thousand bucks in them, a lot of times they do
leave them outside the trust because it's below that eighty
six in the threshold and it's just too much of
a pain for them. So how do you get to
those that's the small state so she can use the
small state affidavit to get the non trust stuff. But
then as a trust she's maybe showing people the trust agreement.
You usually create a short document saying I am the trustee,
I am accepting the position. Just because your nominated as

(09:16):
a trustee doesn't mean you have to do it. Yeah,
of course, and then you'll let the beneficiaries of the
trust place.

Speaker 1 (09:21):
You could go after your enemies if you could simply
make someone do it.

Speaker 5 (09:24):
Oh yeah, yeah, yes, yeah, it's usually that's my joke.
Because like people name their favorite child, is the trustee,
I'm like, name your least favorite child.

Speaker 4 (09:33):
It is not a fun job.

Speaker 1 (09:34):
So she goes to the bank, she brings whatever document
and then basically they transfer the money.

Speaker 4 (09:39):
Maybe, I mean, you know it's funny and think that
the courts are enforcing this. It really is the banks.
They're all they all have their.

Speaker 5 (09:46):
Own processes and procedures and a little bit of a yeah,
back and forth and fill out this form and know
it's the wrong form or whatever else.

Speaker 1 (09:53):
So are you literally toting around at this point a
death certificate to if they passed.

Speaker 5 (09:58):
I've been told many many times, like get way more
despertificates than you think you're going to need, because everyone
wants one.

Speaker 1 (10:04):
God, that's unbelievable.

Speaker 6 (10:05):
Yeah.

Speaker 1 (10:06):
So and then basically the trustee at that point does what.
So they gather all the information. They look at all
the bank accounts, they look at all the retirement accounts,
they look at all the property, they look at everything.
And then what do they do. They contact whoever's in
the will or in the trust.

Speaker 5 (10:23):
Yeah, I mean, you got it careful because part of
this is paying bills right and closing accounts and making
sure any credit or claims are addressed correctly because you
don't want I mean, and.

Speaker 1 (10:32):
You got advertise to the paper.

Speaker 5 (10:33):
I assume is that's still a process. You gotta do
that and a trust you know, you have a little
bit more control over how you do that.

Speaker 1 (10:40):
Okay, hold on real quick while we're talking. Hey, Steven,
what's your question for Dan?

Speaker 6 (10:46):
Good morning, gentlemen? How are you good?

Speaker 1 (10:47):
How are you man?

Speaker 6 (10:49):
Goodank? Congratulations chop A Tom on beating bank credit cants.
You're the only one that's thirty that I've known.

Speaker 1 (10:56):
Just amazing, that's it is amazing. He did that.

Speaker 6 (10:59):
Your question avation medical. My question for counselor Dan is
is to invite to my attention, did he have kids?
And I mentioned this to your call screen. You should
have when we've already done this from us to her,
but you should have a durable medical power of attorney
from her to you any event season some type of
accident where she's unconscious and there's nobody to sign the consents.

Speaker 1 (11:23):
Yeah, but generally you talk about that, Dan, when we
had our trust done, I mean, that was kind of
all part of it.

Speaker 4 (11:28):
But he's talking about the kid.

Speaker 5 (11:30):
You should have power of attorney from your kids so
you can do medical stuff for them because people.

Speaker 1 (11:33):
Do not realize.

Speaker 6 (11:34):
Correct.

Speaker 1 (11:35):
Oh, good, good points, Steven. I would have never have
thought if they're not married, of course, I mean if
they're yeah, maybe even if they are.

Speaker 4 (11:42):
I mean it depends.

Speaker 5 (11:43):
I mean if people don't realize once their kid turns eighteen,
you have no right. Even as the parent. You get
calls like they're on your insurance until they're twenty six.
You get calls in the hospital saying I need that
insurance information and I can't tell you what's going on.

Speaker 1 (11:56):
That's wild.

Speaker 6 (11:57):
So it was brought to my pension because we don't
have that and young daughters back in the swamp in
DC and Rockville, and we already have given both mom
and dad a medical drbavave attorney.

Speaker 1 (12:09):
To her, got it, but not vice versa.

Speaker 6 (12:11):
It seems seems to me that's a pretty good idea
to have a medical durable attorney from here.

Speaker 1 (12:18):
And you know what, that's a pretty simple document to
be quite.

Speaker 5 (12:21):
It's one of the easier ones. There's templates available. She
should get a Maryland one if she's in Maryland, because
that's probably where the if she has an issue, that's
probably where it's going to arise.

Speaker 1 (12:32):
That's another good point wherever the person is. Hey, Steven,
I appreciate that that was a good point you brought up.

Speaker 6 (12:38):
Man, Well, the Persian baby mama thinks, well, no doc
is going to let somebody die for lack of a consent.
And I don't know, it seemed like it'd be a
good thing to do to me.

Speaker 1 (12:48):
You know what, You've just made me think of something.
It's a little outside the norm. But I talked about
this over a month ago. But when you said a
doctor might not let him die or you know, do
something they don't want done because there is no power
of attorney, there's no instructions, it made me think of
this and people this is true, you know, if you're

(13:09):
an organ donor on your license. I have heard so
many times now where the surgeon at the last minute
is like, wait a minute, we can't take this guy's
liver or hard or whatever. It's still this guy could
probably still live. And there's times where I think it's
feasible they would have survived, but someone's harvesting their organs.

(13:29):
So I had to bring that up. I had to
bring that up, Steve, and I do appreciate that call
three zho three seven one three eight two five five. Look,
we've got a botched Las Vegas trip that's coming up
right after the break. Then a problem with Yakuzi bath.
I wonder what that's about. One line open three zero
three seven one three eight two five five.

Speaker 7 (13:57):
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to one help. You'll think you're his only customer when

(14:19):
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two.

Speaker 1 (14:29):
All right, three oh three seven one three eight two
five five three oh three Martino, don't forget. You can
always go to YouTube and watch the show within the show.
In fact, if you just witnessed or heard what I
heard during the.

Speaker 8 (14:44):
Break here, it was a little nutty Mark.

Speaker 1 (14:46):
Yeah, your brain is spinning. How how one two three
four people can be talking about three different things at
one time is quite amazing to me unless I met
my parents' house, where my mother can be in the
li room Dan and my father can be in the kitchen,
and basically it goes like this, turn that down. Mark's

(15:07):
on the phone, what what? No, I don't want meat
loaf again? And it's like you have and you just
sit there and you're baffled, but yet you don't want
to actually say anything, because then it becomes even more kind.

Speaker 8 (15:23):
Of Markia and I are headed for this, you know,
we're not. Yeah, we'll hear all about it.

Speaker 1 (15:27):
No, I refuse to go down. Okay, First of all,
I just prayers to the cat. Yeah, thank you. I mean,
there we go again. I mean it's like I'm on
a totally different wave here and now we're talking about
our dead cat, right, No, it was our cat.

Speaker 8 (15:43):
It was our cat.

Speaker 1 (15:44):
She she was nine years old. Her name was Baby, Yeah,
and she was dead in our backyard.

Speaker 2 (15:49):
She didn't my god.

Speaker 1 (15:51):
Yeah, thanks for bringing it up during the live show, Kelly,
I appreciate that. Let's talk about my grandmother that passed away,
you know, three O three seven one three A two
five five. That's uh, this this this show will go
down in history on that one. Hey, Jeanie, what's going
on with this trip to Vegas? What happened?

Speaker 3 (16:12):
Oh?

Speaker 9 (16:12):
It was my wedding and oh wow, what where.

Speaker 1 (16:16):
Did you get married?

Speaker 10 (16:17):
Like?

Speaker 1 (16:17):
Where?

Speaker 9 (16:18):
Well, we stayed at the Westgate Casino Resort. Yeah, I've
been there in Las Vegas.

Speaker 1 (16:23):
Yeah.

Speaker 9 (16:23):
So we asked numerous times for a possible upgrade for
just the wedding night, and countless times almost felt like,
you know, we well, we were told we couldn't afford it.

Speaker 1 (16:35):
Where did you get married? Though, I'm curious, like where
what chapel?

Speaker 7 (16:38):
Was it?

Speaker 1 (16:38):
In Elvis Chapel? What are we talking about?

Speaker 10 (16:41):
It was?

Speaker 9 (16:41):
It was a little chapel of hearts.

Speaker 1 (16:43):
Oh that's very cool. Are they still doing the Elvis
thing or they kind of can't do that anymore because
all that estate stuff.

Speaker 9 (16:50):
Oh they're doing it.

Speaker 6 (16:51):
Yeah.

Speaker 9 (16:51):
The couple before us got the Elvis, so.

Speaker 1 (16:53):
It's like a package. Dan mackenzie, do you remember that
it wasn't long ago the Elvis whoever owns the rights
to el this, I guess, came out and they closed
down a bunch of these chapels because they're saying, hey,
you can't do that. Do you remember that vaguely. Yeah,
it was pretty wild. I thought they shut them down
all together. But they must be paying a royalty on that.

(17:14):
But what so what happened at the west Gate though?
So they didn't give you an upgrade? I mean, there's
nothing we're going to do about that.

Speaker 9 (17:22):
Well, actually, a customer of mine, I'm a painter by
trade and I own a painting company, and they gave
us a gift of three days of their time share.
And it was a wonderful room, beautiful. The drains were
flogged and they had to come like in the middle
of the day and pull a big, huge glob of
hair out with our first you know, flaw of the rooms.

(17:43):
But to leave that room and go to an upgrade
would have had to be, you know, a pretty good upgrade,
and I just could not afford it, I guess, but
I was never told a price. So, but that's not
the worst of it. It's when we switched rooms to
the downgraded room, which I was fine with because that's
what we originally were to go to, and they kept
telling me, yes, we can give two in a better room.

(18:04):
They were going to charge me like five hundred dollars,
but I was going to do it as a surprise
for my husband, and that didn't end up working because
every time I'd go back, they would just totally devastate
me and be like, no, sorry, that room's not available.
It's got construction, or it's got this, or it's got so.

Speaker 1 (18:18):
Literally that's why, what would we do now? We don't
have a time machine. I mean, even if we could
call up and get you an upgrade, I mean, what
would what are you looking for now?

Speaker 7 (18:28):
Well?

Speaker 9 (18:28):
They told me as an owner, because I was sitting
in place of an owner, as an owner there, you
can't really get an upgrade. So I thought, why would
you want to buy time share here?

Speaker 3 (18:36):
Then?

Speaker 1 (18:38):
And they had a curiosity. Did you sit down and
do a time share pitch on your honeymoon?

Speaker 6 (18:45):
No way?

Speaker 1 (18:45):
Okay, nope, boy, that would be Can you imagine that,
Susannah if I brought you on our honeymoon? I was like, Hey,
by the way, we're going to get a free buffet
tomorrow if we sit down for two hours.

Speaker 8 (18:56):
You have dragged me through the timeshare exercise for a
couple bucks.

Speaker 9 (19:02):
Well, it is definitely different in Vegas now because they
don't give anything. We didn't even get a free breakfast,
I mean for getting married. So they unless you have money,
you don't get treated with respect.

Speaker 6 (19:14):
I feel like.

Speaker 9 (19:15):
So time goes on, da da da dah. We get
into this room. Well it doesn't have hot water. No
hot water.

Speaker 1 (19:22):
So did they get it working?

Speaker 10 (19:25):
No?

Speaker 9 (19:25):
He came at one o'clock in the morning, we couldn't
take a shower. And then the next morning we tested
it again. He said he fixed it that night, working
on it for about forty five minutes at one in
the morning, and it didn't work in the morning. So
we had this with rooms. Well, this is what they're
calling the upgrade. Well we went back to the room
we came from, not the exact room, but pretty much
the same thing.

Speaker 1 (19:46):
Okay, in the midst of that, in the mix of it,
I get that you think they suck. But where are
we going with this?

Speaker 8 (19:54):
Okay?

Speaker 9 (19:55):
So the bellman comes up to hand us our key.

Speaker 1 (19:58):
Oh do you need help?

Speaker 9 (19:59):
I said, yes, I need help, you know, please. He
didn't account for our bag, didn't take inventory like he
was supposed to, and we forgot our stuff and our
safe just because it was kind of rushed.

Speaker 1 (20:10):
Yeah, okay, so you left stuff in the safe. Then
what what did you leave in the safe. I'm curious.

Speaker 9 (20:16):
Well, some edibles and some marijuana, Okay, totally legal in
a sealed bag.

Speaker 11 (20:23):
It was still sealed.

Speaker 1 (20:24):
Yeah, they sell dope everywhere there.

Speaker 9 (20:27):
Yeah, it's legal. But I mean the bag was sealed.
It was sealed, and they should have never even opened
it to find out what was in there.

Speaker 1 (20:34):
Well, okay, so what are you saying? Hold on you
saying they opened up the safe and what like? When
did you realize you forgot to get your.

Speaker 9 (20:42):
Dope the day before my wedding day?

Speaker 1 (20:45):
Because that was going to be no, no, no, I'm
saying you left. You left the room at eight a m.
When did you When did you figure out there was
stuff in the safe? Still?

Speaker 9 (20:54):
Well, I actually I looked all day for my wallet
everywhere everywhere.

Speaker 1 (21:01):
So you left your wallet in the safe as well? Yes,
so you left dope in your wallet in the safe.

Speaker 9 (21:07):
Yeah, but I didn't even think about this, the dope,
I mean, I didn't even think about it.

Speaker 1 (21:11):
But you forgot you you forgot. Hold on a second,
I got to take this break. But if I'm understanding
this right, the dope's in there, the wallet's in there.
You forgot. The wallet was put in there, which possibly
could be because of the animals. But I'm dying to
know why they went in there and grabbed all your stuff,

(21:32):
if they did, and how many days later are we talking?
Was it the same day? We're gonna find out in
a second.

Speaker 7 (21:45):
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dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three, seven
to seven to one.

Speaker 12 (22:04):
Help.

Speaker 7 (22:05):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 1 (22:19):
All right, three three seven one three eight two five five.
By the way, don't forget Dan McKenzie's here. Any questions
on Will's probate trust, anything we want to hear from you,
and we'll be talking about that. Of course, I got
to go back to Jenny, though, Jenny, so let me
let me just recap real quick. So you guys go
to Vegas to get married. You're basically having your honeymoon there.

(22:40):
You're at the Westgate. You had a lot of problems
with the rooms. They moved you around a few times.
You didn't have hot water, they wouldn't give you an upgrade.
I get all that. But you went to change rooms
and your wallet you had in the safe, and your
edibles you had in the safe, and they moved you
to a new room. So the next question is when
did you realize that stuff was still in the safe

(23:01):
that day? The next day when it was the next day. Okay,
so the next day, that's cool. The next day, I
assume you're still at the West Gate, just in a
different room, and you go to the hotel front desk
or you go somewhere and you say, hey, I left
this stuff in the room. And then what happens, Well.

Speaker 9 (23:20):
No, I actually called down my fiance then now called
down there and asked them if someone had returned it,
because we thought maybe it got dropped out of a bag.
We never thought about the safe, because each one of
us thought that the other checked it and they said, yes,
we have your wallet.

Speaker 1 (23:36):
Okay.

Speaker 9 (23:36):
They didn't mention anything about the edible. They didn't mention
anything about anything that was in there. Okay, so they
had your wallet though, yes, they had my wallet with
my credit cards. It didn't have any identification in it
because I had it. I didn't had credit cards with
my name on it, and the room was still.

Speaker 1 (23:52):
In my name. Okay, well that's fine. So they had it,
the security people had it. So did you go get it?
Is that part good? Are we only missing the weed?

Speaker 11 (24:02):
Well?

Speaker 9 (24:03):
No, in my wallet was a good luck a gift
from a friend. I collect dollars notes and coins and
it was a nineteen eighty one, a series one hundred
dollars bill old and it was a good luck charm.
They kept it.

Speaker 1 (24:19):
And you mean someone are you saying, some employee of
the Westgate? Where did they find your wallet?

Speaker 9 (24:27):
In the safe locked?

Speaker 1 (24:29):
So in the safe lock they found your wallet. And
in between the time that they found it and then
that you picked it up, we're going to have the
maid possibly or security. I don't know how the Westgate works,
but generally they do they reopen the safe. I don't
know if that's the maid that does that. I don't
know that part. But if the safe's closed, someone's got

(24:50):
to open it and touch it. Then it's generally going
to be brought to the security office and so one two,
and who knows how many people can touch it there,
so it's almost impossible to prove who would have taken it.
I mean, did they acknowledge the one hundred dollars was gone?
What did they say?

Speaker 9 (25:08):
They didn't acknowledge that it was They gave me a
claim ticket for two hundred dollars, which I didn't even
get a receipt for. I handed her What does that mean?

Speaker 1 (25:15):
A claim ticket for two hundred dollars I had to.

Speaker 9 (25:18):
Go downstairs to the cashier and get two hundred of
their dollar bills. But really there was three hundred in there.

Speaker 1 (25:25):
Wait a minute, Wait a minute, so they literally you said, hey,
wait a minute, you said there was one hundred dollar
note from nineteen eighty one in there. How much money
was actually in your wallet? Three hundred, three hundred dollars
so all three hundred was gone?

Speaker 6 (25:40):
Yes?

Speaker 1 (25:40):
And why did they give you two hundred and not
three hundred. I don't if they're willing to give you
two hundred, why wouldn't they just give you the three hundred.

Speaker 9 (25:50):
Seems like somebody must have pocketed my lucky one?

Speaker 2 (25:54):
Are they wait?

Speaker 1 (25:54):
A second hold on, I doesn't exactly answer the question. No,
so the money was missing or was two hundred dollars
still in your wallet?

Speaker 13 (26:03):
No?

Speaker 9 (26:04):
No, I had no cash.

Speaker 1 (26:05):
Okay, no cash in your Listen to me, no cash
in your wallet? And you tell them at a hotel, hey,
I had three hundred dollars in here, and they say, okay,
go get two hundred dollars. That's where I'm getting lost.

Speaker 9 (26:18):
Yes, very much.

Speaker 1 (26:19):
Yeah, that's how it went down.

Speaker 9 (26:21):
That's exactly good.

Speaker 1 (26:23):
Why wouldn't they give you three hundred dollars? If they're
willing to give you two hundred dollars, why wouldn't they
give you my sealed bag?

Speaker 11 (26:31):
They threw it away?

Speaker 1 (26:32):
They said, please stick with me, Jenny, just on the cash.
I really don't understand if you said, hey, there was
five hundred dollars in there, would they still have only
given you two hundred dollars?

Speaker 10 (26:43):
Like?

Speaker 1 (26:43):
Do they have a policy where the most cash they're
going to give you in a situation like this is
two hundred dollars. I don't understand such an arbitrary number.
Why what did they tell you?

Speaker 9 (26:55):
They told me that's how much money was in there,
and that I mean it's my word again, Okay, would
they know?

Speaker 2 (27:01):
Yeah?

Speaker 1 (27:02):
So do they go through the wallet and take the
money out? Then they logged somewhere there was two hundred
dollars in it? Is that kind of what happened?

Speaker 9 (27:12):
I don't know. I've requested a log many times and
I've failed to get any kind of response.

Speaker 1 (27:17):
So we're looking for here's how we can help you.
We you want us to call up and try to
get you a hundred bucks? I mean, is that where
we're at. Let's just get there.

Speaker 9 (27:26):
I want one hundred dollars bill by my next Well.

Speaker 1 (27:28):
I don't think I can find you a nineteen eighty
one hundred dollar bill. I just think that's going to
be impossible. I don't even know how you would ask
for that. What is the value of that? Are you
saying the value of that nineteen eighty one? I understand
it's good luck to you, just like a rabbit's foot
is good luck to some people, but the value of
a rabbit's foot is worthless to everybody else. I would

(27:50):
assume that one hundred dollar bill is worth one hundred dollars.

Speaker 9 (27:53):
Right, No, it's very rare. It's worth about eight hundred
and eight fifty, So.

Speaker 1 (27:56):
That okay, I don't think they're going to do anything there.
I mean, if that was your house and this was
an insurance claim, they'd be giving you one hundred bucks.

Speaker 9 (28:05):
Yeah, and that's that's why didn't they just call me
and tell me my safe was come get your belongings
out of the safe. They had to actually call a Locksmi.

Speaker 1 (28:13):
Well, well, I tell you this because your license wasn't
in your wallet. You even said that, So what are
you looking for? I'm going to have Deputy Doc who's
sitting next to me, call up the Westgate and see
what he can figure out. But what are we exactly
looking for? One hundred dollars to ask for a nineteen
eighty one hundred dollars bill is not going to happen.

Speaker 9 (28:32):
Well, I just want what was I put my stuff
in the safe thinking it was going to be safe.

Speaker 1 (28:37):
Jenny, I get that, But you also left it in
the safe and left the room for over a day,
So I mean that argument. If someone broke in there
in the middle of the night and opened the safe up,
this would be a totally different story. But they don't
leave that safe, you know, close forever. The next people
that are in that room have to use it. So
I'm going to ask you again, what would you like

(28:59):
me to have I call up and ask for Is
it simply the one hundred dollars?

Speaker 9 (29:04):
No, I'd like my my edibles back that were in
my mind.

Speaker 1 (29:07):
They're not going to have your edibles either. How much
were the edibles worth?

Speaker 9 (29:11):
Two hundred?

Speaker 1 (29:12):
You had two hundred dollars I got. I don't know
anything about dope? Is that normal, Kelly?

Speaker 9 (29:18):
We don't really buy it very much.

Speaker 1 (29:20):
It was a excuse me who asked how much are It's?
Honest to god, you bought some edibles for Tom when
he was going through cancer. You bought some How much
you are a Yeah?

Speaker 8 (29:30):
That was different because it was these like really low
low dose. It was with other stuff in it, so
it was all a mix. So that's like way different.

Speaker 11 (29:41):
These were meant for.

Speaker 9 (29:42):
My husband is a veteran that served twenty one and
a half years in the army and retired as an
E nine. We were going to celebrate that trying to
get rid of his pain.

Speaker 1 (29:51):
I got Jenny, by the way, so two hundred bucks
and edibles and then one hundred in cash. If we
can get you an additional three hundred.

Speaker 9 (29:57):
From running night back.

Speaker 14 (29:58):
Well I can't.

Speaker 1 (30:00):
Oh my god, Jenny, you know I can't call up
there and get your wedding night back.

Speaker 9 (30:05):
You know that. Well, maybe they should get their policy straight,
because I called up there afterwards announced them what they
would do, gave it in the same exact scenario. They
said they would contact me right away and let me
know that the things are in the safe. And it
says in their policies that the bellman is to check
the safe. He's not even allowed in the room.

Speaker 1 (30:23):
Okay, hold on, here's where we're going with this. Now
get her information, Kelly, doc pull up the Westgate and
see if you can get them three hundred bucks. I mean,
I don't. There apparently is two hundred dollars worth of
dope and one hundred dollars bill three hundred bucks. I
don't know. I can't get her her wedding night back.
I can't do it. I swear to God. If I
could do that, I wouldn't be doing this show. If

(30:45):
I could literally go back in time, I'll tell you
what I'd be doing. I'd be living in Las Vegas
and going back three hours on every football game that
was ever played. And I would make Elon look like
a popper, or.

Speaker 6 (30:59):
Just bind new video.

Speaker 7 (31:04):
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dot com. You don't pay cent until you're content. Time
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(31:26):
customer when you choose Frank durand the real estate Man
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oh three nine two zero sixteen twenty two.

Speaker 1 (31:35):
You know my brain hurts after that last call. Depity
docs in the other room calling up Wesgate. You'll get
through the security and kind of figure out what's going on.
I still don't understand why they gave her two hundred dollars.
I really tried to Suzanne, you understand why they she says,
I'm missing three hundred and two hundred. I think what
they were saying is they always look for cash in

(31:55):
the purser wallet for whatever reason, and then they document
how much, and then they gave her the two hundred dollars.
So they gave her a credit to go down to
the cashier the cage and basically get to two hundred.

Speaker 8 (32:07):
That story was confusing Mark.

Speaker 1 (32:09):
I wonder if she's walking.

Speaker 8 (32:11):
Around with a missing wallet all day. And then she
said she had her license in her her pocket.

Speaker 1 (32:18):
And I kind of understand that because what I'm on
vacation is, you know, I take that little mini wallet
where I put maybe one hundred bucks and then I
put shut up. Oh my god, she just made me
take you something. Oh boy, I'm going to tell you.

Speaker 2 (32:34):
Mark is turning red as we.

Speaker 1 (32:37):
Were. I am going to wallet after this break. Let
me let me go to Edma real quick. But is
it Edna or Edma? What are you putting up there? Kelly? Edma?
What is going on with just jacuzzi bath? Just real quick?
And then I'm going to come back to you first, Edma.

(32:59):
You shouldn't Edna? Yeah, Edna, Edna, thank you? Thank you?
What is going on? Real quick? Like it's broken and
you can't get it fixed?

Speaker 10 (33:08):
In one sentence, they insulled a two inch pan when
I requested a four inch pan.

Speaker 1 (33:16):
I got it. Hold on, hold on, we'll dive into
this right after this. I promise you at First three
oh three Martino three oh three seven one three eight
two five five. When I tell you where I lost
my wallet next hour, you will never believe it.

Speaker 7 (33:35):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three, seven
to seven to one help. You'll think you're his only

(33:56):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (34:10):
Ripped News Advice.

Speaker 7 (34:14):
You don't have.

Speaker 1 (34:17):
Come running just as fast as we can show Shooter's
gonna help.

Speaker 13 (34:23):
Come man.

Speaker 1 (34:24):
This is the Troubleshooter Show. No Tom Martinez. Hey, welcome
to the show. The only show, but it's kind. We're
here to solve problems, answer questions, take complaints. Our goal
in life is to make your life a little bit better.
We've recooped over three hundred Think about that, three hundred
million dollars cash merchandise exchanges refunds directly due to this

(34:46):
show and real quick. By the way, this hour brought
to you by Paul the water Man. You know, just
when I thought prices on water systems couldn't get any lower,
through Paul, the last one I advertised was like thirty
eight hundred bucks. It did everything, it would get rid
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(35:07):
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(35:31):
competition that I shop. So his prices are low, but
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with those prices. Go to waterpros dot net. That's waterpros
dot net. Now we're gonna go back to EDNA. But
I got two lines open three oh three seven, one
three eight two five five. You need help with a

(35:52):
contractor you need help with the landlord, you need help,
and then in studio with us today, which is great.
I love when we have a turn in so you
can pick their brains. But Dan McKenzie and you can
actually check his website out COO Plans dot co. But
he can do a trust for you will speaking of that,
and I know I've asked you this in the past

(36:13):
a lot, Dan, but when do people really need to
start thinking about a will or trust? When they get married,
when they have kids, when they have any assets, and
I mean, like, really, what is the first time people
generally call you when they turn twenty one? I mean, what, uh?

Speaker 4 (36:29):
That'd be rare.

Speaker 5 (36:30):
But I think that the thing that triggers most people
is either going through an event where they have to
administer someone else as a state. Oh good one, or
if they have somebody relying on them you know that
they was not right. If they have a baby, they
get married, Yeah, they get married, you have an elderly parent, yes,
as someone living in your house that was not there before.

Speaker 4 (36:49):
You know, he got to kind of think of that.

Speaker 5 (36:52):
That's a frequent source of conflict when we have to
administer his states as people in houses that they don't own.

Speaker 1 (36:58):
And then when people change their life circumstance changes, for example,
a divorce in a remarriage, that could be a big
trigger to update stuff, right.

Speaker 5 (37:09):
For sure, because you're retitling stuff. And anytime you retitle
things and try and figure out, well, who am I
designating as my beneficiary, Who's gonna be the co owner
on this?

Speaker 4 (37:17):
Who should have access to it? If I need help, I.

Speaker 1 (37:20):
Called you for advice on a call on air, probably
six to eight weeks ago, and I'll never forget this.
There was a divorce and the husband eventually passed away,
and the new wife lived with the husband in the house,
and the son ended up getting nothing. He thought he

(37:42):
was going to get everything, but the wife, the new wife,
actually ended up getting everything. There was two copies of
the will. One was old, one was new when she
moved in, and he had no idea. He had no
idea what to do, and honestly, after you looked at everything,
there was nothing he could do. There was a newer will.
And even though even if the father's true intention was

(38:06):
for him to get half of everything, it didn't even matter.
I mean, that probably happens more than what people think yeah.

Speaker 5 (38:13):
Yeah, there's things you can inadvertently do, Like you can
inadvertently get married. You know, we have people who don't
aren't sure whether they're married. You think that would be
pretty obvious, but yeah, not always. We have people who
inadvertently create wills by writing things down and saying, hey,
I mean they give this to you and they write
it down, they sign up day did it.

Speaker 1 (38:32):
It's like, oh, and it's it's legit if there's nothing
else out there.

Speaker 5 (38:37):
Arguably, you know, obviously the person who would have gotten
it if that thing didn't exist is gonna say, well, no,
it isn't because of who knows what reason.

Speaker 1 (38:44):
Yeah, it's crazy. Any questions you have for dan uh,
you can call three or three seven one three A
two five five free legal advices. Come on, think about it.
It's great. Any question you have there, Hey, Edna, so
you bought a jacuzzi bath and you said that the
installer put in the wrong size shower pan. Is that correct?

Speaker 11 (39:05):
Yes?

Speaker 1 (39:06):
So when you say the wrong size shower pan you
wanted a larger shower, what they do is if you.

Speaker 11 (39:15):
Put doors on, you have a two inch pan. If
you want a shower curtain, you get a four inch pan. Okay,
the water doesn't flow out.

Speaker 1 (39:24):
So what's happening? What is the issue? Is the water
flowing out?

Speaker 11 (39:30):
It will if I'm not real careful. The first time
I showered, I had about six inches of water out
onto my bathroom floor.

Speaker 1 (39:42):
When you called up the installer who actually installed it?
Did you order it off of a TV commercial from
CHUKUZI directly, uh, yes, And then they say then they
send out a local guy. Right who was the local
guy who's the contract?

Speaker 15 (40:02):
It was a.

Speaker 11 (40:03):
Midwest bath through Colorado Living.

Speaker 1 (40:07):
So when they when Midwest bath came out and sees
or here's you complain how the water's coming out, and
you point out you're supposed to have a different sized pan,
what do they say?

Speaker 11 (40:20):
Well, they didn't come out, okay. And when I called,
I think I was jakuzi.

Speaker 13 (40:28):
I complained, they gave.

Speaker 11 (40:29):
Me They said they would start a ticket. They did
not give me a ticket number or anything. I even
called back later realizing that.

Speaker 1 (40:38):
How long ago is this?

Speaker 11 (40:42):
They put the shower in on the eighteenth and I
couldn't try the shower until the twentieth.

Speaker 1 (40:49):
So you've only had the shower, You've had it less
than two weeks. In operation right, well.

Speaker 10 (40:57):
Right, okay, so else it was an operation on the
twenty first, Yeah, okay, the twentieth, that's like nine days ago.

Speaker 11 (41:08):
No, we're in This was July when this happened.

Speaker 1 (41:12):
Okay, okay, Well when you're just okay, I'm not going
to go down that rabbit hole. But so you've had
it for a few months and it does leak. Multiple
times you've contacted them. They say they're going to do
a ticket, but that's all that's been done, is that correct?

Speaker 2 (41:28):
Well?

Speaker 11 (41:29):
Yes, and then I've been calling these two months.

Speaker 1 (41:33):
But let me just ask some very point blank questions.
Has anybody came out I think you said no, right, no,
Is it in the works that they're going to send
somebody out or you simply just don't know. They're not
communicating with Okay, now when you say they, when you

(41:55):
say they, are you talking to Jakuzi or are you
talking to Midwest bath?

Speaker 11 (42:01):
Okay, this is hard to explain. I have a tankless heater.

Speaker 10 (42:07):
Yeah, I have issues with temperature. Okay, send out a
guy to deal with the temperature. Okay, but we're not
even say anything.

Speaker 1 (42:15):
We're not talking about that right now, though, I want
to stick to the problem with the tub. I don't
care if they sent somebody out for something else, I
don't care. Midwest Bath is the one that installed it.
They have not been out to fix it, right, Yes, okay,
you're right. Do you have who did you deal with?
A Midwest Bath?

Speaker 7 (42:34):
Like?

Speaker 1 (42:34):
Who do you deal with if you call and leave
a message? Is there one person? Is it your sales guy?
Was it the installer? Who are you dealing with or
attempting to deal with?

Speaker 16 (42:45):
Ashley?

Speaker 11 (42:45):
It's turned over to Jacuzzi because of my complaint and
it's Aaron Lincolnstein.

Speaker 1 (42:53):
And that person is with Jacuzzie.

Speaker 11 (42:58):
I'm pretty sure.

Speaker 6 (42:59):
Do you have that?

Speaker 1 (43:00):
Do have Aaron's phone number?

Speaker 11 (43:02):
Ednah, It's on my phone and I can't get to it.

Speaker 3 (43:06):
I'll I'm talking to you.

Speaker 1 (43:07):
Okay, hold on a second. Here's what I want to do.
First of all, do you know anybody at Midwest Bath?
Do you have a contact over there?

Speaker 11 (43:16):
I have their phone number, but I haven't got a
direct contact to them.

Speaker 1 (43:21):
Okay, hold on, Kelly or Dragon. Have Kelly pick up.
What I want from her is for her to look
on the phone. I want the two contact numbers, and
when Kelly gets some time, I want Kelly to try
to reach out to both of them, and let's get
a comment on this and get this thing fixed. This
seems pretty straightforward. If Jacuzzi's singing, it's supposed to be

(43:42):
a four inch pan, if there's doors, or a two
inch pan, whatever she was saying. If that is correct
and that did not happen, someone needs to fix something.
Someone needs to fix something. Now I'm going to take
a quick break, Sarah, Patricia, do we really have two
Patricia's up? Is that possible? I guess? So everybody hanged tight.

(44:05):
We got a question for our attorney, Dan mackenzie. In fact,
real quick, Sarah, give me an idea of what your
question is so Dan can think about it over the break.

Speaker 13 (44:16):
Yes, I have am power of attorney with another person
on a trust, and the trust is he two years
ago was diagnosed with dementia at a memory.

Speaker 1 (44:38):
Care facility Kaiser Okay.

Speaker 10 (44:42):
And his.

Speaker 13 (44:45):
Daughter had me removed from the power of attorney and
took him to Seattle.

Speaker 1 (44:52):
Okay, hold on, hold on, Wow, Wow, that sounds well,
it sounds heartbreaking and I'm not quite sure where we're going.
Did she have the right to do it? I assume
might be the question, but we'll find out. We also
are going to go back with Edna. We're going to
try to get uh somebody from either Midwest Bath or Jacuzzion.
And then Patrician new number one has an issue with

(45:15):
a roofer. You'll be coming up pretty quick, Patricia. And
then uh, Patricia number two has a question for our
attorney to everybody hold tight, go.

Speaker 7 (45:29):
With a sure thing Denver's Best rufer Excel roofing dot com.

Speaker 2 (45:33):
You don't pay a cent until you're content.

Speaker 7 (45:39):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two.

Speaker 1 (46:06):
All right three O three seven one three A two
five five. We got a lot cooking right now. Look,
I want uh Kelly, I know she's talking to Edna there.
What I want is those two phone numbers, and then
I want Kelly to call and leave a message. Then
I want to a sign that to somebody. But I
really want to see if Jacuzzie or Midwest Bath is
willing to come on the air and let's figure this

(46:28):
out for this poor woman. She sounds somewhat elderly and
if there's a door on her shower, I don't know
if she means a sliding one, if it's a walking tub.
I know Jacuzzi does all that stuff, but I want
to get this figured it out for a big time. Sarah,
what is going on with you? You got a question
for Dan and we kind of started it, but I

(46:48):
want you what did you absorb out of her question?

Speaker 10 (46:51):
Dan?

Speaker 1 (46:51):
Basically, she was one of two trustees.

Speaker 4 (46:55):
Yeah, there was a little uh.

Speaker 5 (46:56):
I guess they a little clarification there because you mentioned
power of attorney and trust and those are actually two
different things.

Speaker 4 (47:01):
So what are you what are you trying to do
for this person?

Speaker 13 (47:05):
I was I was one of two power of attorneys?

Speaker 4 (47:10):
Kah And is that for the financial or just the
or medical or both?

Speaker 11 (47:15):
Both?

Speaker 4 (47:15):
Okay?

Speaker 1 (47:16):
Hey, real quick, Dan, I mean just I want people
to understand this because I don't if you do have
to for a medical power of attorney, that makes me go,
wait a minute, if one says pull the plug and
the other doesn't, what the hell happens?

Speaker 4 (47:31):
Yeah, you're gonna end up at court.

Speaker 5 (47:32):
We usually tell like financial private attorney, having more than
one person, it's not our favorite thing to do, but
it probably less chance of an emergency, right, Whereas a
medical parate attorney, if you're trying to use that document
and they got to chase down two people and they disagree, Oh,
you got a chance of disagreement.

Speaker 4 (47:50):
You're exactly right, Like, yeah they could.

Speaker 1 (47:52):
Yeah, you got to get in front of a Judgementally.

Speaker 13 (47:54):
He had a health directive that would answer all the
questions about pulling cord or not pulling the cord.

Speaker 1 (48:01):
Okay, so but what let's continue on. I just wanted
to understand that from Dan. So the other person had
you removed?

Speaker 13 (48:12):
Yes, two years after he had been diagnosed with dementia.
She went to the attorney, did not tell him that
he had dementia and was been diagnosed with it, and
had me removed, and then she moved him to Seattle.

Speaker 1 (48:30):
Okay, Now I want to ask you this, Sarah, when
when you call up over an issue like this, I'm curious, like,
why do you want that? Do you think this other person.
It's the daughter. You said, right, yes, do you think

(48:51):
there's like a nefarious reason for this?

Speaker 2 (48:54):
Why?

Speaker 1 (48:55):
And it sounds like a loved one and someone you
really care about. But I'm why are you calling?

Speaker 13 (49:04):
I'm calling because as he was gone, he was in
contact with me three to five times a day. And
she has cut off all telephone. She's coerced him not
to answer my calls. And the other thing is that

(49:26):
she has the elder care experience. I have the accounting
and business experience, so both were deemed important in his care. So, Dan,
you have dementia.

Speaker 1 (49:42):
Dan, I might be making a leap here, but I
assumed the daughter at some point got in front of
the judge and because of the Alzheimer's, basically got full
custody of the person, and then she had the ability
to change the How would the daughter be able to
take her off off of a medical directive? I guess
that's the question.

Speaker 4 (50:02):
I mean, if he's so, Sarah sat.

Speaker 13 (50:04):
The attorney did not know he had Alzheimer's.

Speaker 1 (50:08):
So he took you off.

Speaker 4 (50:11):
I mean the attorney should have met him.

Speaker 5 (50:12):
No, I mean the attorney like, because he's got to
sign that and he's got to sign in front of
a notary, and the notary is supposed to have some
confirmation that this person knows what they're doing.

Speaker 13 (50:24):
When we had our trust done, I lived with him
for eighteen years, and when we had our trust done together,
the attorney assured us that should anyone have dementia, that
he would recognize it right away. Well, evidently he didn't.

Speaker 4 (50:47):
Is it is that the same attorney.

Speaker 13 (50:50):
It's different attorneys, the same attorney.

Speaker 1 (50:53):
So when you talk to that attorney, what what do
you hear?

Speaker 13 (50:58):
He said, Oh, I know I should have retired earlier,
and then he refused to take my calls after that.

Speaker 4 (51:06):
I here is giant. That's pretty weird.

Speaker 1 (51:12):
Would you like us to call the attorney?

Speaker 17 (51:16):
What are you trying to?

Speaker 1 (51:17):
Ultimately, honestly, I don't think this is over a medical directive?
What is this over? What do you what is your
end game?

Speaker 13 (51:27):
It's well, it's also over the medical too, because he
had a directive that said that he would be resting,
he would be brought back if he had you know,
they would perform.

Speaker 12 (51:44):
Sarah.

Speaker 1 (51:45):
What's sarah? Please though, please please please? What is your
end goal here?

Speaker 13 (51:51):
I would like to be put back on the powers attorney,
so that I know what's going on, because for every
no accounting experience.

Speaker 1 (52:00):
Okay, hold on, hold on Sarah for everything though, right,
I mean you're not just talking the medical directive, right, yes, Okay,
Now let me ask Dan a few questions. So I thought,
if she being Sarah lived with this person for eighteen years,
wouldn't she be the spouse? Or how does that look Sarah?

(52:24):
Did you you never got married?

Speaker 5 (52:26):
Or what if people thought they were married, that's the standard,
not how long they lived together?

Speaker 13 (52:33):
Right, we were? That doesn't really I don't think that
that place in the power of attorney because.

Speaker 1 (52:41):
So hold on, Sarah. So she what you're saying, Dan,
is she has no spousal rights.

Speaker 5 (52:46):
It sounds like unless she's got some basis to prove, Like, yeah,
look at all this.

Speaker 4 (52:51):
So we referred to each other as husband and wife.
People thought we were married.

Speaker 5 (52:55):
He listed me on emergency medical forms all the time, like,
you know, as his spouse.

Speaker 1 (53:00):
So did you ever hold yourself out Sarah as his wife?

Speaker 10 (53:03):
Or no?

Speaker 13 (53:05):
Yeah, well I never had to because I never had
any legal any problem.

Speaker 1 (53:12):
I'm not asking about legal. Did you guys sleep together?
I'll just ask it like that were you guys romantic? Yes, okay,
so Dan, just listening to what she's saying, I don't
even know where I begin to address her question. Basically
to me, I'm going to wrap it up to what
I'm hearing. I was basically this guy's wife for eighteen

(53:34):
years and the daughter. I got to put that on hold.
Her phone started blowing up. I don't know what's going
on there, but basically the daughter took him and now
has power over all the money and everything else, and
she's left there with nothing. That's what I'm hearing. Is
that kind of what you're hearing?

Speaker 4 (53:51):
Yeah, I mean I think you're the question that both
of us asked that. I was like, what what does
she try?

Speaker 9 (53:56):
Like?

Speaker 4 (53:57):
Why does she want to do this it?

Speaker 1 (53:59):
Ultimately, it's got to be Sarah, I'm hoping you're phone
to force.

Speaker 13 (54:02):
The attorney to reinstate the original power of attorneys.

Speaker 4 (54:07):
He can't do that.

Speaker 5 (54:10):
The person that you're trying to help is has to
sign something and if he can't do that, which he
probably can't, you should probably apply to a court to
become his conservator.

Speaker 1 (54:19):
And her reason for applying it Wait a second, this
is where she would say, Hey, I was basically married
to this guy or this you know for eighteen years.
This should be my responsibility, not the daughters. I mean,
what is her argument? Yeah, I mean, well, sorry, go ahead, sir.

Speaker 13 (54:38):
We broke up. We broke up, and I had not
been living with him for the last ten years, but
I was still doing all of his accounting.

Speaker 1 (54:49):
Okay. Well, I mean that changes stuff dramatically from my
thoughts on it. I mean, if they've been broken up
for ten years, I mean, he could have made all
these changes at any point. Sarah, What you want, Sarah?

Speaker 4 (55:04):
Why does that matter at all?

Speaker 5 (55:07):
We're trying to I mean, we're trying to take not
not to be too calous of that, but what you
want is not material. It's trying to protect him and
make sure that his finance is a medical care being
taking care of properly. Do you have some reason to
think that the daughter's not doing that? Like you said,
she doesn't really have a business experience, Okay.

Speaker 1 (55:25):
And why lots of evidence of what give one thing.

Speaker 13 (55:29):
Of financial missing?

Speaker 11 (55:32):
Like?

Speaker 1 (55:32):
What does that mean though? Give us one example?

Speaker 13 (55:37):
Well an example, Yeah, she and her brother are acting
as though he said, and they're uh using his assets,
And how do you know that, or but but how
do you know that?

Speaker 18 (55:57):
How?

Speaker 1 (55:57):
And Dan, let me ask you this. Let's say she
does know that. Well, if he doesn't care, does he
have the ability to care? Well, if he doesn't have
the ability to care, and they're over it, I mean,
what's the difference. Yeah, I mean if I have financial
power of attorney over say my father, and he's not

(56:17):
this way. But let's say he is all timer's and
he can't even talk anymore and make any decisions, and
I decide to use some of that money to buy
a car, I mean, is that a problem?

Speaker 11 (56:29):
Yes?

Speaker 1 (56:30):
Well, I'm not asking you.

Speaker 5 (56:31):
Sarah, like you use the money to buy a car
for yourself? Well, yeah, to drive him around for that matter,
for whatever. If you feel like, yes, this is an
efficient way to take care of his interest, that's all
that matters is what isn't his best interest here?

Speaker 1 (56:45):
So Sarah, you got to find an attorney wherever this
is going. I just I don't even know what to
tell you, Sarah at this point, Dan, if she really
wants to get back on here, I assume she's got
to hire an attorney wherever this guy is and go
to the court or improves. She should be the one
over everything. I mean, does it come down.

Speaker 5 (57:03):
To that unless he can sign he has capacity to
sign something and wants to name her. You know, if
somehow he got pressured into doing this new power of attorney,
like if you can, if he.

Speaker 1 (57:13):
Can't, if he can't even talk at this point or community.

Speaker 5 (57:16):
Yeah, I mean that now you're at the point where, yes,
you're probably gonna need some sort of court involvement.

Speaker 1 (57:20):
That's I mean, Sarah, that's where it's gonna come down to.
But I'll tell you this. I mean, you can call
Dan eight three three Coeo plans. You can call him
there and anybody listening for wills or anything. But I
mean this is kind of stuff you take on Dan.
But I mean this isn't free stuff. I mean, I mean, really,
how would you handle some in Washington?

Speaker 6 (57:41):
Now?

Speaker 10 (57:41):
Right?

Speaker 1 (57:42):
Okay, she wouldn't do any I mean she's got to
get help in Washington. You've got to find an attorney
in Washington. And I saw that. Look too, You're like,
I mean, I don't even know. There's so many people
that feel like they got screwed. Here's the bottom line.
Sarah feels like she got screwed on this. She had
power of attorney for medical and over the finances. Now
she has nothing in She's very upset. I don't know
if ultimately because she wants part of those finances when

(58:05):
he passes away or what, but it really doesn't matter.
She feels jilted. And the only way she's gonna do anything,
basically from what I'm getting, is she's going to hire
an attorney in Washington and it's gonna cost a lot
of money. Would you agree? Yeah?

Speaker 5 (58:19):
And if you've been broken up for ten years and
really we're never married in the first place, I don't really.

Speaker 4 (58:24):
Know why they would choose you, yeah, over over the
dog of a daughter.

Speaker 1 (58:28):
I don't know either. So Sarah, the best to you, honestly,
and that's what we can tell you. I gotta take
this break, Patricia. You'll be up next three oh three
seven one, three eight, two five five. We're gonna have
two lines open in a second. Three oh three Martino,
go with a.

Speaker 7 (58:48):
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don't pay a cent until you're content. Time for an
insurance check up free no obligate comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies.

Speaker 12 (59:05):
Find out now three oh three seven seven to one help.

Speaker 7 (59:08):
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 1 (59:18):
All right, three oh three seven one three eight two
five five three oh three Martino, Hey, Patricia, what is
going on with this roof? For then, Patricia, you'll be
up again. There's two of you that is so confusing
to me, and I don't know why, But what's going
on with your roof?

Speaker 3 (59:38):
Well mile high roofing of The owner's name is Scott,
the contractor's name is rich. They claim we owe them
fourteen thousand dollars. They've already done the roof, and they
use my credit card for forty five hundred dollars and
we just don't have any money to pay them. But

(59:59):
he's already serve me with lean papers and he's threatening
to take me to court.

Speaker 1 (01:00:06):
Well, let's talk about let's kind of talk about the
reality of the situation. Was it an insurance claim or
was it a cash pay?

Speaker 19 (01:00:14):
What was it?

Speaker 3 (01:00:16):
It was an insurance claim, so you had.

Speaker 1 (01:00:17):
An insurance claim with him, and you signed a contract.
Do you have a copy of that contract that we
can look at?

Speaker 3 (01:00:25):
No, And I'm totally blind, so I wouldn't be able
to I wouldn't be able to do.

Speaker 6 (01:00:29):
Anything like that.

Speaker 1 (01:00:29):
Well, how can we get a toe?

Speaker 11 (01:00:31):
You know?

Speaker 3 (01:00:31):
I think we do. I do have a contract that
I can't.

Speaker 1 (01:00:36):
Well, we're going to have to figure out. We're going
to have to figure out. It doesn't have to be
right now during the call, but we've got to get
a copy of that contract, no matter what. But I
want to understand a few things. So it was an
insurance claim. A lot of those contract Once again, without
that contract, I'm kind of blind like you are. I
simply don't know what's in there. But let me ask

(01:00:57):
you this, what is your perception of what was going
to happen That every dollar except for the deductible would
be paid by insurance.

Speaker 3 (01:01:08):
I was going to pay the deductible, and I assume
the deductible was only going to be twenty five.

Speaker 1 (01:01:18):
Hundred and I bet hold on, Patricia, did you happen
to find out you had an actual cash value policy
so the deductible was way higher?

Speaker 5 (01:01:29):
Uh?

Speaker 6 (01:01:29):
No, I didn't.

Speaker 1 (01:01:30):
Okay, what are they saying? How much was the roof
going to cost in its entirety?

Speaker 3 (01:01:37):
I wasn't sure. I didn't realize it was going to cost. No,
fourteen thousand. I think the reason it was fourteen thousand
is because they trimmed some trees. I think they did
a lot of other work besides. I think that's the issue.

Speaker 1 (01:01:51):
Did you authorize them to do all this other work
that's outside of the scope of the roof.

Speaker 3 (01:01:57):
No, but apparently they had to do it because in
order to get to the roof, we have a lot
of trees that are growing up above the rush, and
apparently they felt they had it term the trees to
get to.

Speaker 1 (01:02:08):
The roof, so they called in some kind of tree
trimming company an arborist in order to do all that.
Or did they do it themselves?

Speaker 3 (01:02:18):
I think they need it themselves. I'm not real sure.

Speaker 1 (01:02:22):
Is that what they're telling you? And how much is
that part of it?

Speaker 3 (01:02:26):
I'm not real sure. That's why I say I'm not
real sure.

Speaker 1 (01:02:29):
I mean, Patricia, how do we actually how do I
help you when you really don't know any of these questions? Like, literally,
how can I get a copy of here's what I
want to do, Kelly, I already know what I want
to do. Hold on, Patricia, I got to get a
copy of that. But Mile High Roofing, what person were
you dealing with their Patricia?

Speaker 3 (01:02:51):
Okay, the owner's name is Scott.

Speaker 1 (01:02:54):
That's what I want. Hold on, Let's try to get
Scott on. I really need clarification. They've already served her,
or at least they gave her an intent to lean.
I'm not even sure where that's at, but I mean,
that's about all I know. Maybe we can get information
from the roof or the contractor. I don't know if
they did anything wrong or not. I literally have no idea.

(01:03:15):
I don't know if they hired somebody else because they
had to. And then the other question i'd have might
be for Brian Burns, but I don't even know if
it's even reasonable to call him. Now, got to ask
a question. Hold on. That question would be if you
do have trees right over your roof and you have
hail damage to your roof and you can't read, you

(01:03:35):
can't get to the roof to redo it because of
the hail damage and the insurance claim, what insurance pay
for that? In fact, I do want Brian Burns on.
I would like to know that. Go ahead, Doc, Patricia,
did you have shoes on? Hold? Oh, did you have
somebody with you when you signed the contract that read
it to you? I mean, if you're blind, no offense.

Speaker 4 (01:03:56):
But how can you agree to a contract if.

Speaker 1 (01:03:59):
You can't read it?

Speaker 6 (01:03:59):
Yeah?

Speaker 1 (01:04:00):
How did you know that? Patricia?

Speaker 8 (01:04:03):
I think you had the wrong.

Speaker 3 (01:04:04):
Another person the contract whose name is Rich and he
was the one that signed us up. Now that the
damage occurred last year, so the claim was done last year.

Speaker 1 (01:04:15):
I don't care when the claim was done. Doc asked
a good question. So when you signed the contract, if
you're blind, how did you How do you know what
you signed?

Speaker 3 (01:04:25):
She came over to our home and we signed the contract.

Speaker 1 (01:04:31):
Okay, but no, you never read it, is what you're saying,
she said.

Speaker 8 (01:04:34):
We so there must be somebody there that can see.

Speaker 3 (01:04:39):
My husband can see, and then I have a son
that can see.

Speaker 1 (01:04:42):
Okay, thank you, I appreciate that.

Speaker 7 (01:04:44):
Hold on, go with a sure thing Denver's best rufer
excel roofing dot com.

Speaker 2 (01:04:53):
You don't pay a cent until you're content.

Speaker 7 (01:04:59):
Time for an ssurance check up free, no obligation in
comparison call Compass insurance paying too much your coverage at
dozens of insurance companies find out now three all three
seven to seven to one. Help You'll think you're his
only customer when you choose Frank durand the real estate
man dot com to list your home with Remax Alliance
three all three nine two zero sixteen twenty two.

Speaker 1 (01:05:21):
All right, look, we've got a lot cooking right now,
But real quick, I want to go to Brian Burns. Hey, Brian,
I've got a quick question. Uh, the scenario we're kind
of dealing with is a roofer had to claim homeowners basically, uh,
you know, a hail claim. So they go out and
now they want additional money after the roof is done,
and they're saying the trees were over the roof and

(01:05:44):
the only way they could do the roof was to
cut the trees. So I don't know if they hired
an outside company, but would insurance generally cover a scenario
like that?

Speaker 17 (01:05:54):
No, No, because that's considered maintenance of the home.

Speaker 1 (01:05:57):
Okay, like anything that you do, So they would have
to come out of pocket for that. There's no way
even with someone like Matt from Paradon it's simply not
going to get covered.

Speaker 17 (01:06:08):
Well, I just don't see where the cover PAIRL would be.
It's not really I understand you need to move the
trees in order to fix the roof, but it's just
it's a matter of normal maintenance.

Speaker 1 (01:06:16):
Yeah, you should have been pruning the trees or whatever
is going to be the argument.

Speaker 12 (01:06:19):
Okay, that was that.

Speaker 1 (01:06:20):
I appreciate that. And by the way, Brian Burns, you
guys one of the best insurance companies we know out
there and go to quote Compass dot com. They're going
to search twenty thirty different companies. Make sure you got
the proper coverage. Now, Patricia, hold tight, we're going to
come back to you. I'm still trying to get more
information there. And that's roof for Patricia. Then the other

(01:06:42):
Patricia's got a question for Dan McKenzie. Really quick, Patricia
number two, what is your question so Dan can ponder
it over the break.

Speaker 6 (01:06:53):
The question is.

Speaker 15 (01:06:56):
On a benefit sharing Dan on a home and cons
of that? And second, does ay trust override the beneficiary deed?
And can you change a beneficiary deed?

Speaker 1 (01:07:10):
Very good questions. Hold on, We're going to get to
those after this. Three oh three seven one three eight
two five five three oh three Martino, I've got two
lines open. We want to hear from you. We're trying
to reach out to that roof for Kelly. I really
want to see if we can't talk to Mile High Roofing.
And then the other one I still want to talk
to is Midwest Bath and figure out what's going with that.

(01:07:31):
In the Jacuzzi deal, we got to get to the
bottom of these questions. Hold on, everybody, go.

Speaker 7 (01:07:50):
With a sure thing Denver's Best roofer Excel Roofing dot com.

Speaker 2 (01:07:54):
You don't pay a cent until you're content.

Speaker 7 (01:07:59):
Time for a new insurance check up free, no obligation
in comparison call Compass Insurance. Pay too much your coverage
at dozens of insurance companies find out now three O
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three three nine two zero sixteen twenty two.

Speaker 18 (01:08:25):
D News.

Speaker 1 (01:08:29):
So you don't have.

Speaker 16 (01:08:32):
Come, runs as fast as we can.

Speaker 1 (01:08:36):
Shooter's gonna help come man, This is the Troubleshooter Show.
No Tom Martinez, welcome my friends to the only show
of its kang'er hearer to solve your problems and help
you out in life. You have any questions. We have
an attorney in studio today, absolutely great guy, Mackenzie Law Firm,

(01:08:57):
and I love when he comes in. I don't care
if you have questions on probate or a will or
a trust, basic questions. A lot of times I asked
first hour, I was asking Dan, you know, like, really,
if you're the trustee once that person passes away, what's
step one? I mean, these are the kind of questions
you have to ask an attorney, I mean, honestly, And
do I need a will? Do I need a trust?

(01:09:19):
Any questions you have for Dan, We'd love to take them.
Three oh three, seven to one, three eight two five five,
three oh three Martino. Now behind the scenes, couple things.
One is Kelly in there yet?

Speaker 7 (01:09:31):
No?

Speaker 3 (01:09:32):
She is there?

Speaker 1 (01:09:33):
Oh Kelly? Did we reach out to Midwest Bath? That
was good?

Speaker 8 (01:09:37):
Actually, yes, I've left messages.

Speaker 1 (01:09:40):
For all of them, so we haven't talked to either
of them though, No, no, just voicecas. Okay, So Midwest Bath,
these guys installed a tub. According to our caller, improperly,
it was a Jacuzzie tub. If you see these commercials
on TV, they usually run them later at night for
older audiences. But they basically are Jacuzi Bath. They do
walk in tubs, they do, of course Jacuzzie uh you know,

(01:10:03):
hot tubs, they do all that. It's Jacuzzi, that's the brand.
But when you call up, they send generally a local
person out. So Midwest Bath went out and apparently the
design is wrong and now they're kind of ghosting her.
So we're trying to figure that out. Did we also
called Jacuzzi on that directly?

Speaker 8 (01:10:20):
We did, yes, and I left a message.

Speaker 1 (01:10:22):
And then did we reach out to Mile High Roofing?

Speaker 16 (01:10:24):
We did?

Speaker 6 (01:10:25):
Yes.

Speaker 8 (01:10:25):
I loved a message.

Speaker 1 (01:10:26):
Boy, no one's answering the phones today, correct, all right,
so let's do this. I want to keep that one
Patricia up with the roofer for a little bit. She's blind.
I mean, this is a horrible story. She's blind, and
she signed a contract with the roofer. It sounds like
they had to do additional work and trim a bunch

(01:10:47):
of trees that hadn't been trimmed forever. But they're looking
for how much more money are they looking for? Patricia?
What's the total fourteen dollars. Okay, So for some reason
she had an insurance claim for the roof. The insurance
company apparently paid it minus the deductible, and it sounds
like it's like a thousand or how much how much

(01:11:07):
was your deductible really quick? I'm not sure, but okay, Patricia,
we really need that contract. I mean, I really do.
I mean, if she has a ACV policy actual cash
value and the roof, let's say, is fourteen thousand, Patricia,
if the actual cash value if you hadn't had a
roof in twenty years, for example, the actual cash value

(01:11:30):
of your roof is zero, so you might have to
come out of pocket for the entire thing. I truly
need to know what kind of insurance you had, and
then a contract with the roofer. We have a call
into the roofer and they probably have the information too,
but I don't even want to jump to any conclusion
the roofer is doing anything wrong in this scenario whatsoever,

(01:11:50):
So hopefully we hear back from him in a second. Meantime, Kelly,
if you could try to figure out if her husband
or son or someone that can see in the house
can get us the roofing contract over to our email
and the insurance information the deck page. What kind of
policy did they have when it comes to the roof

(01:12:12):
for the hail and wind perils? Now the other Patricia
has a question for Dan McKenzie. So, Patricia, I want
you to ask the question again, and Dan's spend kind
of pondering about it and he'll answer them. But go
ahead for everybody they just tuned in.

Speaker 15 (01:12:28):
Yes, I wanted to know on a beneficiary speed for
a home, what are the pros and cons? And can
that be changed at any time? And what's the difference
with the trust? Does the trust override a beneficiary speed
for a home?

Speaker 5 (01:12:46):
Okay, so the pros and the cons. The pro is
that it's very simple. It's very easy to draft a
beneficiary deed and record it, and it doesn't change ownership
during your lifetime. It just says, here's who gets this
house when you pass away. It can be revoked at
any time, so that's also a good thing. It depends
on who you're leaving it to. It's kind of my

(01:13:08):
opinion if you are leaving this house to more than
one person, you are basically throwing them into co ownership together.
And even if they get along pretty well, there's about
a million decisions you have to make.

Speaker 4 (01:13:20):
When you own a home together.

Speaker 5 (01:13:21):
Where are you going to keep it, rent it out,
sell it, or are you going to fix it up first,
sell it to a flip.

Speaker 4 (01:13:27):
I mean, all kinds, one hundred different decisions.

Speaker 1 (01:13:30):
There's also a tax benefit.

Speaker 4 (01:13:32):
There's a tax benefit to inheriting a house any way
you do it right. So if it's about.

Speaker 5 (01:13:38):
Yeah, so I guess you just want to be careful
if you're gonna if you're leaving it to one adult,
that's kind of the ideal circumstances.

Speaker 4 (01:13:46):
In my mind.

Speaker 5 (01:13:48):
The benefit of a trust is that trust does put
one person in charge. They're supposed to take everyone's opinions
into account. But it's like, look, one person wants to
sell it, one person wants to keep it and rent
it out, like, you know, somebody's got to resolve that,
and the trustee is charged to do that. We don't
have to, you know, potentially go to court to figure

(01:14:08):
that out.

Speaker 1 (01:14:09):
So the trustee, if it's left to three different people,
if that's the scenario, say three kids, the trustee is
going to sell it and well, it's going to be
their decision.

Speaker 5 (01:14:17):
It's going to be their decision, and they got to
kind of take everyone's opinions and what's best for them
into accounts. Sometimes their opinions about what's best for them
aren't right, but they got to think about that. Whereas
in a beneficiary deed situation, again they're all co owners,
no one's in charge, no one.

Speaker 4 (01:14:32):
Gets to, you know, just decide how this works. So
that's an issue.

Speaker 5 (01:14:36):
The beneficiary deed only, of course, takes care of the house,
whereas a trust it's like probably going to comprehensively cover
everything you put the house in the trust, but also
your other accounts too, and that can be very helpful.

Speaker 1 (01:14:49):
Where is the house, Patricia, it's it? Conrad of Spring okay, good.
I want to say something negative about a beneficiary's deed
big time. Not in Colorado though, in Florida or a
lot of retirement states. To do that, beneficiaries deed is
about five thousand dollars.

Speaker 6 (01:15:09):
Jeez.

Speaker 1 (01:15:09):
Yeah, you've got to pay five grand to file it
and it doesn't matter. I mean, that's where they make
their money. They don't have income tax or you know,
state income tax. So if you were going to do
it in Florida and a lot of people retire there,
the issue becomes you better be sure you want to
do it, because if you want to change it back
to your own name, that's five thousand more.

Speaker 4 (01:15:27):
My got No, we definitely don't have that here. It's
just the recording fee.

Speaker 1 (01:15:30):
It's like fifty bucks. Yeah, that's not really their recording fee.

Speaker 4 (01:15:34):
Okay, that's pretty crazy.

Speaker 1 (01:15:36):
And I know that because my parents live there.

Speaker 4 (01:15:38):
Yeah, yeah, yeah.

Speaker 5 (01:15:40):
The beneficiary ded is not helpful in periods of incapacity. Right,
if you have a situation where somebody needs to deal
with the house and you are alive but just can't
do it for some reason. You know, having a beneficiary
d doesn't give you any authority to do anything, whereas
a trust, your trustee could step in and do stuff,
and then you ask whether the trust.

Speaker 4 (01:15:57):
Overrides the deed.

Speaker 5 (01:15:59):
The d is first, right, So if you have a
beneficiary deed, that means the house is in your name
and you're saying, here's who gets this. Like when you
create a trust, usually you would put the house into
the trust. And the point of the trust is and
the reason that it avoids probate is because it does
not die. So you could have a beneficiary deed on
the house, but the owner is never going to die, right,

(01:16:22):
So the trust, if it's in the trust, the trust
is going to control things. If it's not in the
trust and it's in your name but has a beneficiary
deed attached, the beneficiary deed's going to control things. So
you just got to coordinate those things and really think
through that. The You know, the benefit of the trust
is it kind of is a central point where you
put everything and all the instructions are there.

Speaker 4 (01:16:44):
You know, you've got other assets besides this house. You
can still end up in probate.

Speaker 5 (01:16:47):
I mean on the deed, on a beneficiary deed, it says,
you know, you could still end up in probate because
you could still have eighty six thousand bucks out there.

Speaker 1 (01:16:55):
And you can actually say with the trust, anything that
I acquire or forget to put in the trust is
automatically moved into the trust.

Speaker 5 (01:17:02):
Right Yeah, but that only works if it's uh again,
if it's if it's more than eighty six thousand dollars
going through that process, you're gonna have to use approbate.

Speaker 6 (01:17:11):
Got it?

Speaker 1 (01:17:13):
What other questions do you have, Patricia?

Speaker 15 (01:17:16):
I was just wondering, what if a husband and wife
are on the deed.

Speaker 5 (01:17:23):
So yeah, you both you would both sign that beneficiary
deed and it would be at the second death if
it's still in effect.

Speaker 15 (01:17:30):
And could you also put like, uh, it's left to
this person, but if this person is deceased, then it
goes to shake the sun.

Speaker 1 (01:17:42):
Yes, yeah, so you can have a second dairy beneficiary. Basically, yeah,
you want to draft that pretty clearly. And then when
I say it's again, it's on the deed. It's required
to be on the deed by the statue. It says like, look,
if you need Medicaid assistance, you can't have a beneficiary
ded on your house because for long term care, because

(01:18:03):
they're going to want to lean that house and they
can't do it if it's got a beneficiary iding on it.
You could revoke it in that situation, but to revoke
it you have to have capacity. So you just got
to be aware that that.

Speaker 5 (01:18:15):
That could disqualify you from receiving Medicaid assistance for long
term care.

Speaker 1 (01:18:19):
So if you had a bet, that's very curious. So
if you had a beneficiari's deed, Let's say I had
one on our house, our primary house for our daughter. Yeah,
and I become and let's say that deed's been in
place for ten years. I mean, let's take a long
period of time, whatever it is, and then all of

(01:18:40):
a sudden, I need to get on Medicaid. You're saying,
even though that deed has been in place over the
lookback period for Medicaid, it doesn't even matter. That doesn't
have anything to do with the look back period because
you haven't given away the house. The house is still
in your name. Actually, so really, as far as an
asset protection, that's not a good way to do it,
no at all. But with the trust, if it was irrevocable,

(01:19:03):
let's say, if.

Speaker 4 (01:19:03):
You set up a Medicaid trust, you can potentially protect that, but.

Speaker 1 (01:19:07):
Then you have the look back period. Correct. That's so
Patricia that what he just brought up is very important,
And I just want to point this out for everybody listening.
Depending on how you do different things, your offspring might
not end up with anything if you end up with Medicaid.
How many people end up needing Medicaid at some point?

Speaker 10 (01:19:28):
Dan?

Speaker 1 (01:19:28):
Is that like, do you have any kind of numbers?

Speaker 4 (01:19:30):
Five out of ten, one out of time at medicaid,
I mean long term care, it's a lot.

Speaker 1 (01:19:34):
It's a pretty high percentage. Long term care is ten
fifteen thousand bucks a month. Yeah, so I mean you'd
eat up the equity in the house very quickly.

Speaker 4 (01:19:43):
Correct. I mean there's protections to keep you in the house.

Speaker 5 (01:19:45):
But again, the whole point of this is like again,
after you have passed away, if they've let you keep
their house, they're gonna they're gonna seek reimbursement at that point,
and they have a lean Yeah, and again that beneficiary
did can circumvent that.

Speaker 6 (01:19:57):
They know that.

Speaker 5 (01:19:58):
They look and they see if you have a beneficiary
did on the house, they're not gonna they're not gonna
provide coverage Goad.

Speaker 1 (01:20:03):
That's curious. I didn't quite. I didn't realize the look
back period wouldn't come in, wouldn't be involved in that,
you know, for asset protection. That's that's definitely not a
good way to do it.

Speaker 5 (01:20:17):
I guess it depends on how concerned you are about
needing Medicaid coverage for long term care.

Speaker 1 (01:20:21):
Yeah, that's true, absolutely, or of course how much money
you have if you do need that coverage. What else, Patricia,
any other questions for Dan?

Speaker 15 (01:20:30):
I have one more? Can you be suit if you
have a trust.

Speaker 4 (01:20:34):
Yes, I mean it depends on the trust. There's lots
of kinds of trust.

Speaker 5 (01:20:37):
There are trusts that will get assets out of your
name for purposes of, you know, avoiding having to pay
those assets in a law in a lawsuit that you lose.

Speaker 4 (01:20:48):
Those do have to be irrevocable.

Speaker 5 (01:20:50):
So like the revocable trust that you will probably most
often hear about, that is the most common.

Speaker 4 (01:20:55):
Like you reserve the right to revoke that.

Speaker 1 (01:20:57):
So hold on, Dan, hold on, lady, I'm running late
on this break. Keep her on. I want to dive
into that because that, once again, that kind of goes
back to the asset protection of what Dan does as well.
So everybody holds tight. Three oh three seven one three
eight two five five three oh three Martino.

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home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 1 (01:21:53):
All right, three O three seven one three A two
five five. Any problems you have, we want to hear
from you. I got a couple open lines three oh three, Martine,
but I want to go back to Dan McKenzie and
bring that caller up, Patricia. She brought up a question
that I think is very important to discuss to get
the information out there. I want to go back to
asset protection because one of the things people can do

(01:22:14):
with the trust, especially if they don't have a lot
of cash or a lot of income, but have a
lot of equity in their house. And if you think
you're going to end up in long term care, I
am not kidding when I say in Colorado for a
decent place, it's easily ten thousand plus a month. It's
just the cost of things. Now memory care could even

(01:22:37):
be greatly more expensive. And the problem is these people
don't do this for free. But we do have a
system Medicaid where if someone can't do anything and has
no money and no assets, the state pays for them,
or the federal government and the state combined, whatever you
want to look at it. But when we truly talk

(01:22:57):
about asset protection, let's dive into that for real. Like
if you simply set up a trust that's revocable, I
mean really, you have no asset protection.

Speaker 6 (01:23:09):
Or you do.

Speaker 1 (01:23:09):
And if it's irrevocable, what are the lookback periods? Give
us some real world information.

Speaker 5 (01:23:15):
Yeah, so the revocal trust is revocable, I meaning you
can change it at any time. And from Medicaid's perspective,
from the US courts perspective, that it's still your stuff
because even if you put someone else in charge, most
people don't they leave it. They keep themselves in charge.
But even if you put someone else in charge, because
you could change it back to yourself, like, it's still yours.

(01:23:35):
So there are ways to get asset protection from trust,
but it has to be some sort of your vocal trust.
Probably the most common creditor claim is a divorce. It's
the first one and then second one. I would guess
long term care is high up there. So that is
what most people are worried about.

Speaker 6 (01:23:51):
So there is a.

Speaker 5 (01:23:52):
Specific trust designed to receive assets and get them out
of counting towards your Medicaid application, it has to be
very carefully drafted. There's a lot of rules to make
sure that from Medicaid's perspective, you really have given this
stuff away and given up some level of control over it.
That doesn't mean you have to move out of your
house or give away all your money, but you do

(01:24:13):
have to do some pretty specific stuff.

Speaker 1 (01:24:16):
So with the regular trust, the main argument would always
be you can change it at any time. Yeah, so
you still have control over Yeah, it's still yours. But
with an irrevocable how about like what's the lookback period
three years with Medicaid five five years? So after that
period or during that period when they say irrevocable and
I'm not just talking about for look back periods, is

(01:24:38):
it truly irrevocable if both people the person who's going
to inherit the trust and the person that did it,
is it truly irrevocable? Or is there ways to change it?

Speaker 5 (01:24:49):
I mean there are some ways to make some changes,
but it is I mean there is some commitment level
there where it's like, yeah, I've gotten rid of these assets,
you've created the instructions again, or you know ways you
can benefit from it, but you can't just say, well,
let me see, let me see if I'm going to
need medicaid, and then if I don't, I'll just.

Speaker 4 (01:25:07):
Take it all back.

Speaker 1 (01:25:08):
And you know, no, har I was thinking, and Patricia,
I'm sorry, I'll go back to you, but I'm so
curious on this stuff. But I was thinking more of
a situation like, let's say someone agrees to move into
your house like a nurse and take care of you
until you pass. And in exchange for that kind of
care from them, you know you're gonna will them so
much money in your trust, So you do an irrevocable

(01:25:30):
trust so you can't change your mind at some point
or your kids do something. But if you did change
your mind in a scenario like that for whatever reason,
all of a sudden, that nurse person isn't treating you
the way that you expected once you did that. Though,
if that trust was written truly as irrevocable, I mean
they're getting that no matter what. Right.

Speaker 5 (01:25:53):
Correct Again, there are ways to like create a position
for some third party to be able to sign off
on certain changes. So okay, I'm not going to say like, no,
there's nothing you can do it once you've done that,
But yeah, it is giving up some level of control
because again, the more control you have over it, the
less asset protection you're going to get.

Speaker 1 (01:26:12):
So, Patricia, I'm curious when you first called up, what
is like your situation though? What are you guys looking
to do? You have a house and you want to
leave it to who It's evident you're looking for the
best way to do it. But I mean, really, this
is what Dan does for a living. People call you
up and they sit down and talk to you, and
you're generally a flat rate price on it.

Speaker 10 (01:26:31):
Right.

Speaker 1 (01:26:32):
So but Patricia, in your case right now, what are
you truly looking to do? What is your end goal?

Speaker 11 (01:26:40):
Well?

Speaker 15 (01:26:40):
I just thought that the beneficiary D like you said,
would be the easiest way to do something like that
because I was going to leave one house to my
daughter and one to my son, and I just thought
it'd be easier than the trust.

Speaker 5 (01:27:01):
It's in some ways it is. Are the houses pretty
close in value to each other?

Speaker 4 (01:27:07):
Yes, I believe so, And I mean I get you know,
you'd want to consider what other assets are out there, because.

Speaker 1 (01:27:13):
What other stuff you have?

Speaker 15 (01:27:14):
So, yeah, there's other assets, But I was just you know,
trying to get my will or my trust in order,
and I just wanted to see what options I have
out there because I was just kind of looking like,
you know, when you have beterficiary on your bank accounts

(01:27:37):
and on your life insurance policies, I just thought it
would be easier to do that.

Speaker 5 (01:27:46):
In some ways it is, and in some ways, like
now you just got to make sure everything is. Like
if you've got two different accounts and they have different
beneficiaries on them, like if one has you know, skyrocketing
stocks net and the other one is just holding CD,
He's like, the person who gets those stocks is gonna
be real happy.

Speaker 4 (01:28:03):
I guess how the other person's gonna feel.

Speaker 5 (01:28:04):
So when you're using beneficiaries, it just takes a little
bit more supervision and just making sure they've stayed in place.

Speaker 4 (01:28:11):
If you've switched.

Speaker 5 (01:28:12):
Banks, if you open new accounts, you just got to
kind of keep reevaluating. You can't really use them with
personal properties. Sometimes people care about that. I mean again,
if you already have a trust, like the point of
that trust really is to just put one central location,
here's the instructions, here's what I want to have happened.
So I don't know why you would go back to
beneficiary designations trust in place.

Speaker 1 (01:28:33):
It sounds to me, and you're the attorney, but a
trust is probably a better option for her circumstance with
multiple homes, other assets. I mean, I understand a bank account,
you can have a beneficiary, but you brought up like
a stock or retirement account. You leave one to one
and one to the other. I mean they could be
totally different assets at.

Speaker 5 (01:28:51):
Some point, a different tax treatment that can make a
big difference. It's just a lot to try and keep
your arms around. I guess I would say if you're
using beneficiaries. So that's the drawback, but it is, you know,
you're just real simple and cheap, and I mean it's fast.

Speaker 12 (01:29:07):
Yeah.

Speaker 1 (01:29:08):
Here's the other thing I've always said, and I know
you can't, literally, Patricia, your kids should pay for the trust.
Whatever you do, I think your kids should pay for
it if they're going to be the beneficiaries of this stuff. So,
and I say this to every child out there. If
your parents are leaving you something of value, I mean,
my god, you should pay for the trust. Now. I

(01:29:30):
know technically they can't, but you should reimburse them for it.
And Dan talk to that real quick. I mean, I
can't have you do a trust on my parents' behalf
without you basically dealing with my parents directly. Correct.

Speaker 5 (01:29:43):
I mean getting back to our previous call where this
person did a POA, you know, changing everything, Like, yeah,
the attorneys should meet with them and do that assessment
and hopefully he did that and confirm that that guy
was able to make that decision yes.

Speaker 1 (01:29:56):
Yeah, or else that one child will get everything they want.
There's other siblings, you know what I'm saying. Oh, I
mean it's got to be fair. So you guys have
to be really careful as attorneys when someone wants to
change their parents' information. Like literally, if they're in a
hospital and they're not doing good, would you have to
go to the hospital and visit. Is that something you
would have to do or send someone there to make

(01:30:18):
sure these changes that are coming up all of a
sudden while they're in the hospital there's something they want
to do.

Speaker 5 (01:30:24):
Yeah, yeah, you got to make sure they have they
understand what they're doing, they know who their family is,
they know what they have. That's those the elements of capacity.
So yeah, in order to sign it will or a trust,
you have to have.

Speaker 1 (01:30:37):
That and then The other thing with Patricia's information or
you know her situation, is we didn't even get into
medical directives and everything else that generally come along with
the trust. I mean compared to just doing beneficiaries deeds
all day long. I mean, there's a lot more, as
you have stated for the last three hours than just dying.
I mean, what hapends if you can't make decisions anymore? Yeah,

(01:30:58):
and a beneficiaries deed it's not going to help with that.

Speaker 5 (01:31:01):
I mean, we do beneficiary deeds all the time, so
it's not like I'm four or against it. It just
depends on the circumstances.

Speaker 1 (01:31:07):
Well, and that's what's great. So everybody out there listening seriously,
you call Dan, you talk to the folks there, and
the bottom line is he's going to listen to your
needs and he's going to come up what is best
for you. Yes, just like you said, Dan, if someone
just wants a beneficiary's deed done and filed, you'd be
happy to do that for him. But if you're really
looking at okay, you know, I haven't really given a

(01:31:31):
lot of thought in a while to what is going
to happen when I pass away. I mean, you go
in you talk to you guys, and you basically come
up with a plan for him. I mean, really, that's
the expertise you're getting. Yeah, all right, I got to
take this break. Kala's got a question for you too.
Everybody hold tight, one line open, three zero three Martino
And yes, I will tell my wallet story.

Speaker 13 (01:31:52):
I hope.

Speaker 14 (01:31:53):
So.

Speaker 1 (01:31:54):
I have had more people on YouTube and callers that
are saying, when's he going to tell this story? In Hawaii?
I lost my wallet.

Speaker 8 (01:32:04):
Yes he didn't lose it.

Speaker 1 (01:32:07):
Well, let's not call it that. It is very disturbing.

Speaker 7 (01:32:17):
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seven to one help. You'll think you're his only customer

(01:32:39):
when you choose Frank durand the real estate Man dot
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three nine two zero sixteen twenty two.

Speaker 1 (01:32:55):
All right, three oh three seven one three eight two
five five three oh three Martino. Hey, what is your
question for Attorney Dan McKenzie.

Speaker 20 (01:33:05):
Either the question to Dan.

Speaker 19 (01:33:08):
It's regarding an islet trust or maybe an irrevocable trust.

Speaker 1 (01:33:13):
Okay, what is your question?

Speaker 21 (01:33:15):
So I would like, I'm thinking about doing an islet
trust for a life insurance policy. What is that first
wondering if you can put another bigger asset in the
islight trust with the life insurance What is.

Speaker 1 (01:33:29):
That term she's using?

Speaker 4 (01:33:30):
Island I l I t your revocable life insurance trust.

Speaker 6 (01:33:35):
Right.

Speaker 5 (01:33:36):
So the issue is that life insurance, like death benefits,
are counted towards the estate value when you're calculating a
state tax, and so you get the life insurance out
of your name by doing a irvocal trust and just
putting the life insurance policy in there. Usually it's pretty
specifically designed for the life insurance policy.

Speaker 4 (01:33:56):
What kind of other assets did you want to put
in there with it?

Speaker 19 (01:34:00):
Apartment buildings?

Speaker 1 (01:34:01):
Okay?

Speaker 4 (01:34:02):
And why are you doing that?

Speaker 11 (01:34:04):
I'm just trying.

Speaker 19 (01:34:05):
I'm just trying to find a loophole to move some
of the bigger assets to avoid the tax problem.

Speaker 5 (01:34:12):
Okay, Okay, yeah, I mean typically, like I say, the
life insurance trust is pretty specifically designed to deal with
life insurance.

Speaker 4 (01:34:24):
You can have as many trusts as you want.

Speaker 5 (01:34:25):
I mean typically, like with the real estate, you want
to get it out of your name and have any
further value growth happen outside of your name, so that
you know it does not trigger any estate tax when
you pass away. That's what you're concerned about, the estate tax.

Speaker 19 (01:34:44):
Yes, so then there would then you would have to
set out a separate, irrevocable trust for the apartment buildings.

Speaker 14 (01:34:52):
Is that correct?

Speaker 4 (01:34:53):
Correct?

Speaker 1 (01:34:53):
Yeah? But how would that stop the taxes?

Speaker 5 (01:34:56):
So you like, let's say the apartment building's worth five
million bucks right now, Yeah, so you get it into
the life insurance trust. You do have to do a
gift tax return until the irs I just gave away
five million bucks. Yeah, but then now all that growth
that happens in the value afterwards is not part of
your estate anymore.

Speaker 6 (01:35:13):
Oh.

Speaker 4 (01:35:13):
Interesting, So that's what sometimes people are trying to accomplish.

Speaker 1 (01:35:17):
How about if it's over the death tax, in other words,
whatever it is now fifteen to sixteen million lifespan, if
it's a fifty million dollar apartment complex, is there any
true way not to not to pay taxes on that?

Speaker 5 (01:35:30):
I mean, you're going to pay taxes probably at this point.
But again, if it's growing like at that level, it's probably,
you know, two percent growth every year's a lot. Yeah,
so you can still at least stop shelter. Yeah, stop
the future growth by moving it out of your name now,
but that does require your vocal planning.

Speaker 1 (01:35:48):
What else, Kayla?

Speaker 19 (01:35:51):
I think that's it. He's been very helpful.

Speaker 1 (01:35:52):
You sound just like this poodle lady. I know she
loves poodles. I'm not kidding. Doesn't she sound like the
poodle lady?

Speaker 8 (01:35:59):
I thought it was her? We've met her?

Speaker 1 (01:36:02):
Was this a poodle lady I met?

Speaker 19 (01:36:05):
I don't know who is?

Speaker 1 (01:36:07):
Okay? Fair enough? I really thought you were somebody we
met because she owned some apartment complexes too. It wasn't
just off the voice, but hey, I appreciate that call.
Uh three O three seven one three A two five five. Well,
Kelly's getting up Jean's information and whoever's on three. I'm
going to tell the wallet story extremely quick. Actually, I'm
up against a break. I don't even I'll be honest.

(01:36:30):
When Suzanne was texting our kids what happened to me
in Hawaii? I didn't even like that.

Speaker 8 (01:36:38):
It's extreme story for you if you want.

Speaker 1 (01:36:40):
No, it's extremely, extremely embarrassing, and it was something I
probably wish I never even told my wife. Hold On.

Speaker 7 (01:36:55):
Go with a sure thing Denver's best rufer Excel Roofing
dot com. I don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only

(01:37:17):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (01:37:28):
All right three o three seven one three eight two
five five. Jean's got a question. I'll tell you what, Dan.
People want to know, man, People want to know what
to do when they're thinking about, uh death. I mean, really,
it's crazy and it's inevitable no matter what right. Have
you ever met anybody that didn't die? No, A lot
of people you'll die. No, that's true. You know what

(01:37:51):
I mean that aren't going to die. That's good though. Hey, Jean,
what's your question.

Speaker 3 (01:37:56):
Yeah, I had a.

Speaker 17 (01:37:57):
Will made out to my niece and passed away about
two or three months ago. So do I have to
make out a new will or will it just automatically
go to her husband?

Speaker 5 (01:38:08):
It depends on what that will says. I mean usually
it would not in the spouse is not the next
person in line. If it says like two my niece
per sturpees or by representation. Is usually the language something
like that that is saying to her kids. I don't
know she had kids. Oh yeah, okay, but you could specify,

(01:38:31):
you could maybe the will says that. You just have
to see, like what does the will say? Usually it
has something in there about you know, what happens if
this person I've left things too well, let's not here.

Speaker 1 (01:38:40):
Let's bring that one more hold one, Jean, Let's bring
that one more step. So, if she is married and
doesn't have kids, and it basically says it goes to her,
what happens to it?

Speaker 5 (01:38:51):
I mean at that point, it's probably following state law
and Jean's whoever.

Speaker 4 (01:38:57):
Air, whoever jeens airs a law would be would be next.

Speaker 1 (01:39:00):
Not be your sister, It could be your cousin, It
could be whatever jeens yeah, jeans.

Speaker 6 (01:39:04):
Yeah, Okay, well she had a daughter.

Speaker 5 (01:39:07):
Okay, I have I mean most of the time it
says if this person's passed away, then to their descendants.

Speaker 4 (01:39:15):
But you should read it and make sure.

Speaker 17 (01:39:18):
It says I don't know I misplaced the will.

Speaker 1 (01:39:21):
Well, all you have to do, Gene, in a minute,
just do a new one.

Speaker 5 (01:39:25):
I mean, if there's if he just said he misplaced it,
well that's what I'm saying, and what it says doesn't matter.

Speaker 4 (01:39:31):
If it's if you can't find it, boy, that's a
good point.

Speaker 1 (01:39:34):
We literally, what's your number? Then I'll give it to
you right here. Are you ready? Yeah, it's so easy.
Eight three three CEO plans as in Colorado? Eight three
three CEO plans? What number is that?

Speaker 9 (01:39:50):
Do you know?

Speaker 1 (01:39:51):
Off the top of your head? Dan, I do not,
I do not. What's your local number?

Speaker 6 (01:39:58):
Do you know?

Speaker 4 (01:39:58):
Three oh three five an eight two seven four five.

Speaker 1 (01:40:03):
Or co plans dot Coe. But Gene give him a call.
I mean, really, those are great questions you have. But
if you don't have a will and you lost it,
I mean, if you lose a will, basically you don't
have a will, right, I mean, there's.

Speaker 8 (01:40:15):
No yeah, actually, can give him the number.

Speaker 1 (01:40:20):
Oh great, great, make sure you do that, and then Tracy,
really quick because we're coming up on a break, but
I'll pick you up on the other side. What is
your question for Dan? Well, yeah, Tracy, what's your question?
Really quick, because we got a hard break.

Speaker 10 (01:40:35):
Yeah.

Speaker 14 (01:40:35):
I'm already the trustee of my grandmother's trust and it's
thirty years old, and I have some cousins that will
end up inheriting when my mom passed, and they're asking
me if there's a way we can close this thing
up earlier that it says is the trust all right?

Speaker 1 (01:40:50):
Hold tight? I guess I understand that. I assume you
understand that question, Dan, Yeah, And what is that timeframe?
I guess I don't quite. I guess I don't. I
guess I don't nderstand what he's asking.

Speaker 5 (01:41:00):
I mean, I get I think they're saying, like, look,
this trust, whatever it's doing, is probably like everybody involved
is an agreement, like let's just wrap this up and
make the distributions now.

Speaker 1 (01:41:10):
God maybe instead of waiting. Yeah, all right, hold on,
we'll figure that out. And a lot more. By the way,
three oh three seven one three A two five five.
Any questions you have for Dan, and of course you've
been ripped off or taking advantage of you got a
bad landlord, a bad contractor bad anything. Give us a
call now, next hour. I promise, I promise, I will
tell my wallet story.

Speaker 8 (01:41:31):
I'm gonna help you Mark.

Speaker 1 (01:41:32):
Yeah, Yeah, she helped me a lot there on that
one three oh three seven one three eight two five five,
don't forget. Help at troubleshooter dot com. You can email
us anytime. We'll get back to you, sometimes right at night,
and I'm not kidding. You can send contracts, pictures, everything.
Help at troubleshooter dot com. And then, of course three
oho three Martino. You can leave a message anytime. Sometimes

(01:41:53):
we actually answer. We got a lot more coming up.
Another hour to go right here on the Troubleshooter Show.

Speaker 7 (01:42:03):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com.

Speaker 2 (01:42:07):
You don't pay a cent until you're content.

Speaker 7 (01:42:10):
Wave time for an insurance check up, free, no obligation
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies.

Speaker 12 (01:42:20):
Find out now three oh three seven seven to one help.

Speaker 7 (01:42:23):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 1 (01:42:33):
Yeah, ripped.

Speaker 2 (01:42:40):
News needs you don't have come run anxiousness as we
can show. Shooter's gonna help come man.

Speaker 1 (01:42:53):
This is the Troubleshooter Show. No Tom Martinez, Welcome my
friends to the only show of it's career. Here to
solve problems, answer questions, take complaints, our goals to make
your life a little bit better. If you've ever been
ripped off or need advice on anything truly, three oh
three Martino is the only number you need. It works
on and off the air. Right now you can get through.
We have two lines open three zero three Martino, three

(01:43:15):
oh three Martino call now. We have Dan mackenzie in studio.
Dan deals with Will's probate, trust anything anything, asset protection.
We were talking about a little bit last hour and
you've gotten a lot of questions on stuff Dan, And
when he's not here, you can reach Dan at eight
three three Coeo Plans. I love that phone number eight

(01:43:38):
three three COO Plans or his website Coeo Plans dot
c o now We've got a couple questions up for him.
We've got a couple lines open. I'm gonna go to Tracy.
I promise a Walad story will be told this hour.
If you don't know what I'm talking about, my lovely
wife Suzanne brought up, we were just on vacation. Yeah,

(01:44:01):
we were on vacation. We were in Hawaii, and basically
I do not have that wallet anymore. And it's a
very traumatic story.

Speaker 2 (01:44:09):
It really was.

Speaker 1 (01:44:09):
I'm not kidding you by any means. Even when she
texted our kids and she did it before I could
say anything. I would have never went there, but it
was too late. Once you hit text, it's out there.
But I will tell the story. And it all became
up because a lady lost her wallet in.

Speaker 8 (01:44:29):
The casino and you started talking about your wallet insert.

Speaker 1 (01:44:32):
And speaking of the casino call, it was a crazy call.
First hour. This woman is on her honeymoon in Las
Vegas at the Westgate Hotel. They got to change rooms
because they're having all kinds of plethora of problems with
the room, so they changed rooms and a day later
she goes, oh, no, I left my edibles, my weed,

(01:44:53):
and my wallet in the safe and we all have
the same thing, like, how are you in Vegas without
your wallet and not notice it missing? Well, she basically
put her money and her license and stuff in a
smaller wallet to carry around, or a fanny pack or
whatever she used, and that made Suzanne think of me
losing my wallet. But Deputy Doc, did you leave a

(01:45:14):
message with security at Westgate? I was unable.

Speaker 9 (01:45:20):
I did.

Speaker 4 (01:45:24):
That's the message with the.

Speaker 1 (01:45:26):
Person that is that's involved. Oh, you left the message
with the caller with the risk management, got it all right?
Risk management of my ways?

Speaker 6 (01:45:36):
About that?

Speaker 1 (01:45:36):
No, no problem? Three L three seven one three two
five five. Now Tracy, what is your question? Hey, Tracy,
what's your question? Yeah?

Speaker 14 (01:45:47):
So, I'm the trustee of my grandmother's trust. It's almost
twenty eight years old now to trust is and basically
it has some farm land in it, and then it
has stocks and bombs, and as it's written, her daughter
and parrots all the income off of it during her lifetime,
and then after she passes away, her five grandchildren go

(01:46:12):
ahead and get the trust all the assets out of it.
But it's written to where first they get we sell
all the stocks and give it to them right after
the death. But then five years has to wait before
we can sell the farm land, and this trust has
lost it I think a lot longer than my grandmother thought.
I've already lost one cousin and the other ones are

(01:46:35):
getting pretty old now and want approach to me of
the day wondering when the day does come. I you
know that her daughter passes away. We still have to
wait that five years or everybody agrees, can we close
up this trust?

Speaker 5 (01:46:47):
It is possible. Way is what state is the trust
in the Kansas Kansas, Okay, so probably governed by Kansas law.
If we're in Colorado, there is there are ways to
get private agreements among beneficiaries of estates and trusts to
change things. But there is a process for just making

(01:47:08):
sure we've really taken an account everybody who has any
interest at all.

Speaker 4 (01:47:12):
So you just got to be a little bit careful
about that.

Speaker 5 (01:47:14):
I wouldn't just, you know, kind of dissolve it based
on conversations, Hey Dan, is a process.

Speaker 1 (01:47:20):
Hey Dan. In that case, if everybody agreed, I'd understand it.
But let's say five people agree in the six is like, no,
I want to keep that income from the stocks and
bonds coming. I don't want to do it. Does that
put the carbosh on the whole thing?

Speaker 5 (01:47:34):
I mean, there's a chance even with the agreement that frankly,
you're going to need a court to sign off on it.
There are a lot of situations where even with agreement
among everybody, I mean, the most important person is not
here to really sign off on this thing, and so
you might have to go petition a court to give
a final stamp of approval. It's a lot easier if
you can say everybody in this agrees. Obviously, if you

(01:47:57):
have a situation where it's yeah, five and three, it's
gonna be harder.

Speaker 1 (01:48:02):
That wom be a lot harder, wouldn't it.

Speaker 6 (01:48:03):
Yeah?

Speaker 1 (01:48:05):
Okay, anything else, Tracy, appreciate it. You got it, man?
All right? Uh call Dan up honestly too if you
want to start looking into that endeavor and start moving forward.
Eight three three co Plans. Oh yeah, you can't do Kansas,
so that's my bed. Yeah, you're just Colorado? Right, do
you guys do any other states?

Speaker 4 (01:48:23):
Just Colorado?

Speaker 6 (01:48:24):
Okay?

Speaker 1 (01:48:24):
Yeah? Eight three three coeo plans, dan En Keensie, we
get some lines open. Three oh three Martino three oh
three seven one three eight two five five call in
right now. Any questions they have, Okay, So I'm on
the spot now while it's story. So we're in we're
on the big Island.

Speaker 8 (01:48:40):
Yeah, on top of Monakea.

Speaker 1 (01:48:42):
Yep. So if you ever go to Mona Kea, first
of all, it's kind of ridiculous that everybody there, all
the locals and the tour guys, they say it's the
tallest mountain in the world.

Speaker 6 (01:48:53):
It's not.

Speaker 1 (01:48:54):
Okay, yeah, a lot of it's underwater. I don't know
who counts that. They go it's twenty eight thousand. Okay, fine,
if you want to count what's underwater, But what's above
water is thirteen thousand, eight hundred or thirteen thousand, seven hundred.
It's big. I mean, there's no doubt it's big. And
I'm tall, so I want to kind of understand this.
We go on this tour, it's like seven hours.

Speaker 8 (01:49:16):
And it's sunset and stargazing, which is incredible.

Speaker 1 (01:49:19):
Mark it's a great tour. So but they basically pick
you up at your resort and then you drive to
kind of not the summit. You end up going to
the summit later on, but you go to basically the
gift shop if you will, or the last place before
the summit, but you're still pretty high, so you're basically

(01:49:40):
at sea level in the van. By the time you
get to the gift shop or whatever, you're probably six
to eight thousand feet. Yeah, and then then you go
up to the summit. So when you get out at
the gift shop, it's cold. And we kind of knew
this was going to happen, but because when you're at
the resort and it's eighty five to reas out and

(01:50:00):
it's Hawaii, you really don't think about it. But I
was smart enough to go, you know what, I'm going
to go ahead and throw a pair of sweats in
our bag and bring them in case of it really
is as cold as it could be. And let me
tell you something, it was cold as hell.

Speaker 8 (01:50:16):
It was frigid.

Speaker 1 (01:50:17):
It was frigid. I almost got frostbite when we got
to the summit. But so we stop at that six
thousand feet prior to the summit, and I decide, at
this point, holy crap, it is really cold out here,
and I've got shorts on. So I go and I
get my sweats and I'm going to go ahead and change.
And what was available right there was porta potties. So

(01:50:44):
I go into this porta potty where there's probably already
ten thousand people that have gone through there that day,
and it smells horrible. It's just the most horrible thing
in the world. They're horrible. Picture the worst one you've
been in. This was more horrible. Okay, I don't know
why was, but I didn't even have to use it.
I just had to change. So I take my shorts

(01:51:05):
off and I'm trying to basically hold them because I'm
not going to put my shorts down anywhere in this
damn porta potty, So I bite them with my teeth
and I'm holding my shorts well my little mini wallet.
When I travel anywhere, I usually lock up my wallet
in the safe and I put my license and I

(01:51:27):
put maybe one hundred bucks in the credit cards I
use most into this little, tiny, tiny wallet. It's about
size the credit card. As I'm holding my shorts with
my teeth, my mini wallet falls into the absolute worst
place I have ever seen on the face of this earth,

(01:51:47):
right into the crapper, right into the crapper, and it
starts sinking. I have a choice to make here.

Speaker 8 (01:51:58):
You got to gotriss when you're on top of a
mountain on vacation.

Speaker 1 (01:52:03):
The one hundred dollars didn't bother me whatsoever. The credit cards,
I only had two of my credit cards in there.
I could have canceled and a heartbeat, didn't care. I'd
cancel them right on my phone. And then it dawned
on me, TSA, I'm not going to have my license.

(01:52:23):
I don't know how they're gonna let me go through
and get on the plane. Not to mention, we had
inner island trips already there. It wasn't like one plane back.
We had multiple multiple airline adventures ahead of us at
this point in the trip. And I am just thinking

(01:52:43):
I have no choice but to reach in and grab
this thing. But I was still contemplating it because my
brain was like, no way, it's not gonna happen. And
then the other side of my brain was, so you
gotta have that license. What are you going to do?
So this is going to be horrible. How do I
get another license? So I reached it. I reached in

(01:53:09):
and got it. At this point, I've probably been in there.
Suzanne knew I was going in there. I said, I'll
be right back. I'm just going to throw these sweats on.

Speaker 8 (01:53:15):
I mean, because I'm outside going what the heck is
taken so long? Did he get sick? Something happened with
his clothes? So did he lose a shoe?

Speaker 1 (01:53:25):
So I fish it out and I grab it, and
it's absolutely horrible. My arm is just covered. It's horrible. Yeah,
I can't even tell you how horrible it is. And then,
of course you know what they give.

Speaker 3 (01:53:36):
You in there.

Speaker 1 (01:53:37):
There's no sink or anything.

Speaker 8 (01:53:39):
Yeah, it's the COVID sanitizer.

Speaker 1 (01:53:41):
You got sanitizer. So I sat there and basically I
took my shorts and used that as a towel, if
you will, and wiped off everything I possibly could. And
I got my wallet sitting there, and I'm just putting
sanitizer on it by just handfuls of it. Literally, I'm
drenching everything. I got rid of the cab. I didn't
even care about to cash the credit cards. I cleaned

(01:54:04):
extremely well with the sanitizer. Then I did what any
normal person would do. I grabbed my license. Like I said, sanitizer,
just covered him in sanitizer, and I threw the wallet
back in there. There was no way I was going
to keep this wallet at that point, so I come
out and I'm probably just I don't even know what
look I had on me. Oh, I don't know what

(01:54:25):
I'm going to tell Suzanne at this point, because I
know she's going to be You're dying. Oh your face
said it all.

Speaker 8 (01:54:31):
I knew there was something went on in that port
a potty that I did not want to be a
part of.

Speaker 6 (01:54:36):
Mark.

Speaker 1 (01:54:36):
I would have lost. I would have if it was
my phone, I wouldn't have even messed with it. I
got a thirteen hundred dollars phone.

Speaker 2 (01:54:44):
With a sink.

Speaker 8 (01:54:45):
You're just lucky that big stayed on top.

Speaker 1 (01:54:47):
Yeah, it stayed about two It kind of stayed on top.
It stayed about two inches on top of for those
of you eating lunch out there, it stayed on top
of stuff. So I gotta tell you you're a braver
that I am. Hey, Mark, you know it wasn't a phone.
If it was the phone, I wouldn't have done it.
So hold on a second. What would you have done? Dragon?

Speaker 8 (01:55:10):
He would have cut his losses.

Speaker 1 (01:55:11):
He would have just stayed in Hawaii and not left.

Speaker 18 (01:55:14):
I mean, because you're in Hawaii, so it's not as
it's not a foreign country. No, So maybe if you're
like in Egypt or Japan or India, then then maybe
you dive in after it. But Hawaii, it's it's one
of the states.

Speaker 1 (01:55:30):
Of pain in the ass for that a license. Hey, Mark,
Mark hold on, Ohman.

Speaker 8 (01:55:37):
Mark Shamansky just texted me from Genesis Total Exteriors. He says,
this tops the Bronco game.

Speaker 1 (01:55:44):
So you're cursed, Dan. You probably haven't heard this one.
And I'll tell this one really quick. A good friend
and also an advertiser with me, Mark Shamansky brings Suzanna
and I to a Broncos game with this with his
wife season tickets. So we're sitting there and their tickets

(01:56:04):
are really good. I don't remember what section, but it's
the last four on the aisle, so he's got four
seats and you're right next to the walkway to go
up the stairs or down the stairs to the concessions.
And we're sitting there. This is last year, and we're
having a great time, really just having a great playing
the Raiders near I am like, basically I'm at the

(01:56:27):
aisle and Raiders are getting their butts kicked. It's a
good game, it's home. We're just all having a good
time and all of a sudden, I feel something hit
my arm, and I'm like, what in God's name is that?
I thought a Raiders fan spit on me. I legitimately
somebody spit on just spit on. I like, someone just

(01:56:50):
spit on me. And as I look, this woman is
passing me with another woman. She's an old lady's flattering
out her but she's splattering so bad.

Speaker 8 (01:57:05):
It's on like thirty stairs mart.

Speaker 1 (01:57:07):
It's all over. She is gott I don't know what
was like medically wrong with her, but I've never seen
anything like it.

Speaker 8 (01:57:13):
It smelled like something was medically wrong.

Speaker 1 (01:57:15):
They ended up literally closing down this section. But she
she went on my arm, literally went in my.

Speaker 8 (01:57:23):
Arm, slipping on it.

Speaker 1 (01:57:24):
People were slipping down the stairs. So I literally get
up and I'm running for the bathroom. I get into
the bathroom and I'm cleaning with soap and I'm putting
everything on. I'm getting there. I wouldn't even go back
to the seat. She ends up in an ambulance. They
blocked off the entire bathroom of the women's bathroom. Whoever
she was with brought her in there. They wouldn't let

(01:57:46):
anybody in. They barricaded the bathroom, EMT showed up, so
I never even know what happened to her. But never
in my life have I seen anything like that. She
literally I was three feet away and as much was
on pants and stuff when she continued to do whatever
it was, blowing it in every direction.

Speaker 8 (01:58:07):
Wow, we need a break mark.

Speaker 7 (01:58:15):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're contenth
time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer

(01:58:37):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 1 (01:58:52):
All right, three O three seven one three eight two
five five. I just put a pull up on her YouTube.

Speaker 8 (01:58:57):
And it's would you have retrieved the wallet or not?

Speaker 1 (01:59:00):
Yeah?

Speaker 8 (01:59:00):
I'm curious people, let us know if you would have
retrieved it.

Speaker 1 (01:59:03):
Yeah. No, I don't want to go that far on it,
but you can see the poll three O three seven, one, three, eight, two,
five five. I can't even think about those traumatic experiences anymore.
You know, I have received no less than ten emails
on the permanent lighting. Ten emails. Ten. Now what's even crazier,

(01:59:28):
both of our neighbors both we only have two neighbors.
We live on property out in Franktown. The two neighbors
both reached out within what within.

Speaker 8 (01:59:38):
Two days, and it's not even finished. They just see
them lit up.

Speaker 1 (01:59:42):
It's absolutely crazy this product. I didn't even know this
product existed, and I didn't. This isn't really I mean,
I guess it's kind of a commercial form because I'm
talking about it, but I don't understand why, like someone
wasn't doing this year's you go. It's I don't even

(02:00:02):
know how new it is, quite frankly, but it is
so cool. And if you don't know what I'm talking about,
they're permanent lights. They come out and all the lights
sit in the track. The track has painted whatever the
color of your house is. So even if it's an
hoa some kind of controlled neighborhood, the bottom line is

(02:00:22):
it's no problem. You can get them done. I mean,
you don't even see them. But then the second you
go on to the app, it's like KaBlam. Yeah, it
lights up your house in.

Speaker 8 (02:00:33):
Any options mark, I mean any cold, moving patterns, colors.

Speaker 1 (02:00:39):
Anything, Bronx, those games. You can have whatever colors you want.
If you're an Eagles fan, you got the green and white,
anything you want. Thanksgiving there's a bunch of presets.

Speaker 8 (02:00:48):
There's an bottomn preset.

Speaker 1 (02:00:50):
You can go like Christmas, Christmas nineteen, there's like twenty
Christmas twenty twenty. I mean, there's so many presets. But
if if you think about it, you got a thousand
listen to this. You got a thousand different colors. Thousand.
They can be all one color, they can chase each other,
they can do anything your imagination can come up with.

(02:01:12):
There's like a control box that connects to your WiFi,
then your phone and boom, you can do everything. You
can even do it remotely. But it's remarkable. A million
different options, over a million different options.

Speaker 8 (02:01:25):
Yeah, so cool, It is so cool.

Speaker 1 (02:01:27):
But what's blowing me away was both my neighbors in fact,
is that Jay is jay On. Yes he is, Hey, Jay,
Jay Bratt's owner of Excel Roofing. They're the ones doing
my lights. Man, I got to tell you something. Both
my neighbors, because they've seen your trucks over there and

(02:01:47):
up there and putting the lights in. They both reached
out and they're like, what are you guys doing? We're
like lights. And then the second neighbor yesterday, what's their
names by the way.

Speaker 8 (02:01:55):
Nate and Nate and Barbara.

Speaker 1 (02:01:58):
Nate and Barbara, they're kind of new name. They bought
that house maybe six seven months ago, but they called
or texted Suzanne. They're like, we saw those lights last night,
tell us about them. I think both my neighbors have
already contacted you guys to get out there and do them.
How come you were doing these last year? Jay, And
I'm not kidding, Like whose brainchild was this? I think

(02:02:19):
you guys missed so many sales it's unbelievable once hail
season's gone. I mean, I know you guys do gutter
cleaning and all this other stuff, but how come you
have not been doing these for the last five years.

Speaker 20 (02:02:32):
You know, we've been looking for the right product mark
and we finally found that one on the metal strip
that makes it almost hidden, which is so awesome. But
this is the question I have, Suzanne, when is the
last time that Mark has done anything that's made you
just happy.

Speaker 1 (02:02:50):
You know what last night? Last night smart ass? Yeah
a breat's funny, man, real funny.

Speaker 20 (02:03:04):
The lights are so cool and it's one of the best.

Speaker 8 (02:03:07):
We love them, Chay.

Speaker 20 (02:03:08):
Our product line, it really and truly. I mean the
new roof of new Gutters, they look so nice. But
the holiday lights are just so much. They're fun.

Speaker 1 (02:03:17):
They're fun.

Speaker 6 (02:03:17):
Mark.

Speaker 20 (02:03:18):
You never have you never have to get on another
ladder again.

Speaker 1 (02:03:21):
Well I didn't. My kids are pissed because my idea
of putting up Christmas lights was none.

Speaker 6 (02:03:27):
Yeah.

Speaker 1 (02:03:27):
None. Now now that they're both on the ground and
on their own, we have the coolest lights.

Speaker 10 (02:03:33):
Yeah.

Speaker 8 (02:03:33):
It was that thing on the ground that put like
a little display in your garage. So that's our idea
of Christmas.

Speaker 1 (02:03:39):
Yah, I swear to God. On Amazon, I bought this
thing for nineteen dollars and I plugged it in by
our water feature because there's outlets and all it does
is throw like lasers onto the side of the house
like in one circular pattern. For nineteen bucks. That's what
I did every year for Christmas lights.

Speaker 8 (02:03:58):
Well, you know, now that the kids are gone, we
can actually afford.

Speaker 1 (02:04:01):
Yeah, now that the kids are gone, we can afford
permanent lights. They are so cool and I do love
the brand. Let me tell you, Before I had you
guys come out, you guys told me you were going
to be doing them, and I was like, oh, that's funny.
I kind of been looking at these. But there's another
brand out there called jelly They were twice the amount
of what you guys have, literally twice the amount Jay.

Speaker 6 (02:04:24):
Yeah.

Speaker 20 (02:04:24):
And the thing about Jellyfish is that you're gonna see
the pucks. What you're seeing right there with the light strips.

Speaker 1 (02:04:30):
You're hidden.

Speaker 20 (02:04:31):
It is just so much better.

Speaker 1 (02:04:32):
And then your guys painted out there. Do you paint
to match on all.

Speaker 20 (02:04:35):
These that that's an extra, it's an up charge if
we need to paint the metal strip to match the trim.
But because it comes in the tan, the brown, I
got you black, we match almost every every trim color
so close right off the bat. But this is what
I want to mention is everybody, or most people see

(02:04:57):
those lights or lights, they see the sign on the
corners that say, hey, we'll come hang up your Christmas lights.

Speaker 1 (02:05:03):
Yeah, yeah, yeah.

Speaker 20 (02:05:04):
The cost, the cost to do that is at least
half or more of what it is to put up
permanent lives.

Speaker 1 (02:05:11):
And there's not a thousand options.

Speaker 20 (02:05:14):
There's not a thousand options. And those guys have to
come out and they hang the lights and then they
take them down and then they store them and they
charge you every single year. This is a one time
deal where you pay the money and you're done.

Speaker 1 (02:05:26):
And so that's what I like, Jay, Jay, hold on,
I gotta take this. But I got a guy that's
got actually a question on him. So hold on, both
of you. I gotta take this break. Do I have
no choice?

Speaker 2 (02:05:35):
Hold on?

Speaker 7 (02:05:36):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 2 (02:05:40):
You don't pay a cent until you're content.

Speaker 7 (02:05:45):
Time for an insurance check up free no obligation comparison
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Speaker 1 (02:06:12):
All right three o three seven one three eight two
five five three oh three, Martine, I'm gonna go right
back to Jaybrets. By the way, we do have some
lines open. Dan still has time to take some questions,
and of course we have time to take anything. But
Dan mackenzie, I really appreciate them coming in today. COO
plans dot co, Will's Trust's asset protection. That's a real

(02:06:32):
big one. You need to talk to a good attorney.
And Dan is our go to guy. He's been with
us many many moons. Dan McKenzie co plans dot co
or eight three three co plans. Now, I'm gonna bring
Jay Brettz back up. We're talking about lighting now, the
ones you guys sell Jay or Shaw Tech. But hold on,
I want to lock you in. Mick has a comment

(02:06:55):
on jellyfish lights. I assume you just mean generic or
what do you mean, Mick? What's your comment?

Speaker 13 (02:07:03):
Uh?

Speaker 16 (02:07:03):
Yeah, so the jellyfish lights is what I know them as,
and ye may of cause the major major problem in
our neighborhood with our neighbors and our hoa. They are
the most annoying thing. Ah I can imagine. Yeah, Well,

(02:07:24):
but you know you've you've probably got enough space to
where you don't see your neighbors. Yeah, but if you
can imagine a neighborhood where you know, you go out
and see your back patio at night and everybody has
these lights and they're all different colors, they're well.

Speaker 1 (02:07:39):
Yeah, I'm going to tell you an easy Well it's
not easy, but I can tell you fix for that.
I mean, you basically go to your hoa and your
mend the rules on lighting. I mean, that's how you
would fix something like that. I personally wouldn't do that,
but you're right. I don't live with a house on
either side of me five feet away. I never even
really thought about it.

Speaker 8 (02:07:59):
Never in my looking at lights.

Speaker 1 (02:08:01):
Like maybe you're trying to go to sleep and they
got those things blinking left and right. That would drive
me crazy. Hey, Jay, if you dealt hold on, Mick,
I really do appreciate what you're saying. If I live
next sandwiched in between two homes five feet apart or
ten feet apart, and they're running those circles and patterns
and all kinds of stuff you can do at two am,

(02:08:24):
that might drive me a little crazy. But that's not
the lights problem. That's a crappy neighbor.

Speaker 14 (02:08:30):
Yeah.

Speaker 16 (02:08:30):
Well, yeah, I mean that's why they that's why they
buy the lights so they can do that. Yeah and
yeah pretty annoying.

Speaker 1 (02:08:37):
Yeah, that's a you know what, that's something I never
would have thought of on it, Jay, have you had well?
I mean, honestly, once again, that's nothing to do with
the lights. That's a bad neighbor.

Speaker 8 (02:08:46):
That's a bad, thoughtless and considerate neighbor.

Speaker 1 (02:08:49):
I wonder if a lot of ho Way's have, Jay,
you live in an Hoa and you're doing research on
that right now, because you guys are selling these lights,
do a lot of Hoas, to your knowledge, actually have
times you're not supposed to run lights or do you know?

Speaker 6 (02:09:07):
I have not heard of that one.

Speaker 20 (02:09:08):
What we have heard of is the HOA wants to
make sure that they're consistent with the colors of the house,
so you don't have, you know, something that.

Speaker 1 (02:09:16):
Looks, something that sticks out.

Speaker 20 (02:09:19):
Something that sticks out and looks ugly. I don't see
this being any different than regular Christmas lights.

Speaker 9 (02:09:25):
No, not at all.

Speaker 20 (02:09:26):
But a guy in my neighborhood and he's Clark Griswold,
and he puts on these bright white lights, but he
still only turns them on from like eight o'clock at
night to ten o'clock and then they're off. So I
don't see that being a bit. I don't see the
jellyfish or the shaw Tech lights that we install being
any different really from any other kind of Christmas light.

Speaker 1 (02:09:47):
No, And I agree with you once again that that's
a neighbor issue. That's got nothing to do with it
because it in mixed six situation in his neighborhood. They
don't have to be jellyfish lights or permanent lights. You
could probably string regular Christmas lights up, never take them
off and run them all the time. I don't know
why you would.

Speaker 6 (02:10:07):
Live next to that.

Speaker 20 (02:10:09):
You would you want to live next to that?

Speaker 1 (02:10:10):
Mark?

Speaker 10 (02:10:11):
Oh?

Speaker 1 (02:10:11):
Hell no, I'd be like, hey, turn your lights off
at nine o'clock or whatever, or you know whatever, man,
I mean, that's nuts.

Speaker 10 (02:10:18):
Yeah.

Speaker 20 (02:10:19):
But also the really cool thing about these shaw Tech
lights is that you can turn up and down the dimness.

Speaker 1 (02:10:25):
Yeah, I saw that either or brighter. Yeah.

Speaker 20 (02:10:28):
So if you do have a neighbor that's annoyed, okay,
let's go ahead and turn them down a little bit
and then hopefully that would result.

Speaker 2 (02:10:35):
You know that.

Speaker 8 (02:10:36):
Timers too, They have timers so they can automatically show.

Speaker 1 (02:10:40):
Up yeah, anything you can imagine inside of an app.
These things have But Jay, I want to say this,
you would never know when you asked me about the
ho A thing. You wanted me to send you some
pictures this morning because you guys are almost finished with
my house and you're getting your own house done. I
love how I got mine done first. In fact, Dominic
told me my house came befour years. Is that true

(02:11:02):
or is he just blowing smoke?

Speaker 20 (02:11:04):
That is absolutely true? Good, And you know I'm always
customer first kind of guy. Yeah, it's not just because
of you, Mark, but any other customer if they had
wanted to jump ahead in the line of me, I would.

Speaker 6 (02:11:16):
Have done it.

Speaker 1 (02:11:17):
So anyhow for people listening. So he sends me this
Texas this morning, saying, hey, I want to submit this
to my HA to get him on my own house,
and I sent them to you. I was going to
tell you, though, you cannot see those lights on my
house unless they're on. You simply cannot see them. You
would have to know they're there. That whole railing system
where they kind of snap in and get installed to

(02:11:39):
is phenomenal. It is the cleanest install I've ever saw.
And there is no way anybody would know we had
those lights unless they were on. There's just no way, Jay,
that's absolutely right.

Speaker 20 (02:11:51):
I showed that picture to one of my guys today
just because to prove the point you're saying, and I
told him, what are we looking at here? And he said, oh,
it looks like a nice gutter. He could not even
see the light.

Speaker 1 (02:12:02):
You can't see it.

Speaker 20 (02:12:04):
He said, oh, yeah, there are some lights installed back
behind the gutter, but otherwise, without pointing out, you would
not even notice. And that's what I think is the
beauty of this system. Because if you go to Amazon
and all these other places and you look at the
permanent holiday lighting, you're gonna see the pups and a
half two inch in diameter, and you see the cord.

Speaker 1 (02:12:24):
Also, these are things you're gonna have in your family
house forever. They're beautiful. You can do anything with them.
And the guy that uh, you know, programs some of
those boxes. I know for a fact that guy is
gonna have tricks coming up in the future. You're going
to have constant updates to the app. I mean, it's
absolutely crazy. Let me let me see if I can

(02:12:44):
twist your arm on some if someone calls today that's
listening to this are you You're already half the price
of jellyfish, and I think a better product because they're
hidden better. People are gonna love them. But regardless, is
there anything you can do for people today if they
call up on this since I've had you on, Oh.

Speaker 20 (02:13:07):
Man, you put me on the spot.

Speaker 1 (02:13:08):
I know that's why I did it. Any Mark, that
was that whole Suzanne comment that we began with, so
ha got you.

Speaker 20 (02:13:16):
My secretaries they they wonder if you're gonna put me
on the air again. For the next five callers that
calls up, we will get ten percent off on the
holiday lighting three or three, seven, six, one sixty four hundred.
We will do ten percent off for the next five Martino.

Speaker 1 (02:13:32):
Yeah, five only guys, and you'll find out why to.
Even if you're not in the five and you're listening
to this on a podcast, there's still half the price
of everybody else. I mean, they're it's unbelievable. You're gonna
be happy and the products great. Jay. I appreciate you
calling in. You must have heard me talking about them.
U seriously, both my neighbors. They're so cool. I can't
put it any other way this Sunday, when the Broncos

(02:13:54):
and Eagles are playing, I'm gonna have both colors up
running and I can time it out. I can. I
could even hit a button when the Broncos have possession,
it could be orange and vice versa. It's just crazy.
You can program them whatever you want. Excel roofing dot com,
excel roofing dot com, or call them up first five
three oh three seven six one sixty four hundred. I
gotta take this break. We'll be right back. Closing up

(02:14:16):
with Dan mackenzie