The Troubleshooter 11-11-25

Episode Transcript

Speaker 1 (00:03):
D News, so you don't have.

Speaker 2 (00:11):
Run in Just as fas as we can.

Speaker 3 (00:14):
Shooter's gonna help coming.

Speaker 4 (00:18):
This is the Troubleshooter Show now, Tom Martinez, Hey.

Speaker 5 (00:23):
Welcome to the show.

Speaker 6 (00:24):
Let's start by solving problems, answering questions, caking complaints as
I've been doing here for forty five years in Denver.
And uh major, Mark Major, back at the studio and Mark,
what do we got going on today?

Speaker 7 (00:43):
Well, any second, Joe Kiano's gonna walk through. We've got
a movie Inday coming up, and the government is opening again.

Speaker 5 (00:52):
Yes it is, you like that? Yes it is. I
do well.

Speaker 6 (00:56):
We got people trying in Yeah, I personally I have
not been affected. I got home from my trip just
before they started really crack. I mean the government was closed,
but they were still operating anyway. So this hour brought
to you by Frankduran, the real estate man dot com,
which is really important to get your home evaluated.

Speaker 8 (01:17):
Rates are pretty good.

Speaker 6 (01:18):
They're not at the historic lows, of course, but what
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Speaker 8 (01:33):
Frank Duran the real estate Man dot com.

Speaker 6 (01:35):
That's a complementary evaluation of what your house will sell for.
Frank Duran the real estate Man dot com or Frankdurant
homes dot com. Adam is on the line. By the way,
we invite all of your calls. Three O three seven
to one three talk seven one three eight two five five.
Talked to uh Man Major, Mark Major and Joe Canno

(01:55):
coming up.

Speaker 8 (01:56):
And then of course I have.

Speaker 6 (01:57):
Deputy d here at Cassis Student Mikasa Studio.

Speaker 5 (02:02):
Adam. What's going on with you, Adam? How can we help?
I hope we can or what's on your mind today?

Speaker 9 (02:11):
Just trying to work on being able to locate my
kid to have rights to him.

Speaker 8 (02:16):
Oh wait, oh wait, this was the one we had yesterday.

Speaker 6 (02:18):
I believe you said that you were with a woman,
she became pregnant and she had a kid.

Speaker 8 (02:25):
Now, were you around when the child was born?

Speaker 10 (02:29):
Yes, I was at the hospital at the time of birth.

Speaker 8 (02:32):
Were you on are you on the birth certificate?

Speaker 10 (02:36):
No, because at the state or at the time she
was still married in the state of Colorado. So they
told me that because of her being married still that
I was not able or eligible to be on the
birth certificate.

Speaker 6 (02:48):
Well that's not true at all. By the way, I
don't even know what that means. She can be married,
but you can still be on the birth certificate as
the father. The birth certificate does not say you're the husband,
as you're the father, and in any case, you're not
on the birth certificate. Would this woman deny it's your
child or not? How would that work?

Speaker 9 (03:11):
I don't think she would.

Speaker 5 (03:14):
Why did she leave without tell me?

Speaker 6 (03:17):
Does she want you to have anything to do with
the child?

Speaker 9 (03:22):
At this point? With the way she up and pacton
just laughed. I mean, it seems like she doesn't want
any mean to have anything.

Speaker 7 (03:29):
That's a pretty good signs that that the answer would
be no.

Speaker 6 (03:34):
Yeah, right, she doesn't want you to have anything to
do with the child.

Speaker 11 (03:37):
You got to questions in this yesterday.

Speaker 7 (03:39):
You have a big check book because you owe were
three years of back child pay.

Speaker 6 (03:47):
You will be you will be assessed child support from
the very beginning. I'm surprised she hasn't pursued you for that.
Is she currently married to someone.

Speaker 5 (03:57):
Right now.

Speaker 12 (04:00):
That I'm aware of.

Speaker 6 (04:01):
No, okay, how does she have any other children?

Speaker 13 (04:07):
One?

Speaker 8 (04:08):
Okay?

Speaker 6 (04:09):
And your child, your biological child, would be three years
old right now, is that right.

Speaker 10 (04:15):
On the seventeenth of this month?

Speaker 5 (04:16):
Yes?

Speaker 8 (04:17):
Okay.

Speaker 6 (04:18):
When was the very last time you heard from her?

Speaker 9 (04:24):
Approximately when it hits January of next year, it'll be
about two years.

Speaker 6 (04:29):
Okay, So the last time you heard from her, how
did the conversation go?

Speaker 9 (04:36):
The last time I heard from her, she had a
conversation telling me that she just didn't want nothing to
do with me and didn't want me around my child,
and it was pretty much left it that.

Speaker 8 (04:48):
Okay. So now we know where she stands.

Speaker 6 (04:51):
What you have to do is unfortunately something we don't
know how to do. I mean, you have to locate
her and then sir her and by now the courts
are going to be there. You're going to have to
go there to fight it or get an attorney there,
and you're going to have to make a motion for visitation.

Speaker 8 (05:11):
That's really what you're going to have to do.

Speaker 6 (05:13):
But they're not going to after three years, They're not
going to make her come back to Colorado or anything.

Speaker 8 (05:18):
This is going to be a really tough battle.

Speaker 6 (05:20):
What I'd like to do is get one of our
family law attorneys on just to talk about this. What
are the chances Mark, can you think we can get
Bonnie on?

Speaker 7 (05:31):
Maybe let's give her a ring, remember though she doesn't
practice law wherever that woman is.

Speaker 6 (05:37):
No, not, of course, I just wanted to see what
the overall process would be, Adam.

Speaker 8 (05:43):
Have you talked to an attorney.

Speaker 9 (05:44):
Adam, I have talked to a couple of attorneys out
here in Colorado, and they said, because of the six
month period of him already being gone out of the state,
like you're telling me that I would have to file
a case out in North Carolina.

Speaker 5 (06:00):
North Carolina.

Speaker 6 (06:00):
I thought it was for Okay, so he's in you
believe he's in North Carolina?

Speaker 8 (06:05):
Yes, okay?

Speaker 5 (06:08):
And you know you kind of know the city, right.

Speaker 14 (06:12):
I have no.

Speaker 9 (06:13):
Idea about North Carolina or anything about the state. I
have never traveled to her.

Speaker 5 (06:18):
No. What I mean is, do you know a city
she went to?

Speaker 9 (06:22):
As far as I know, it's Hampstead.

Speaker 6 (06:26):
Hamstead, Yeah, okay, Well whatever it is.

Speaker 8 (06:32):
They were right.

Speaker 6 (06:34):
What they mean by this is that the case is
officially in North Carolina because she moved there, and they're
not going to.

Speaker 5 (06:44):
Make her move back or anything.

Speaker 6 (06:45):
It's been three years, but let's get Bonnie Shields.

Speaker 8 (06:48):
I believe Bonnie is available right now.

Speaker 6 (06:52):
She's a defense excuse me, a divorce attorney, but only
in Colorado, but in general, I'm sure she knows the process.

Speaker 8 (07:02):
Bonnie.

Speaker 5 (07:02):
Are you there?

Speaker 8 (07:04):
I am Okay. Here, here's the scenario.

Speaker 6 (07:08):
Adam was never married to this woman, but lived with
her and they had a child. She moved away, told
him I don't want any I don't want you to
have anything to do with the child, and she left.
She went to North Carolina. He's not sure exactly where

(07:29):
or the address. He just has an idea and basically
he wants to know how can he get legal rights.
He doesn't want to take her the baby away, but
he wants parental rights. And it's been three years. So
what is the process.

Speaker 15 (07:46):
It's been three years since she moved that she's been
in Carolina.

Speaker 5 (07:51):
Now, the child is three years old. How long ago
did she move?

Speaker 8 (07:55):
Adam?

Speaker 9 (07:58):
In January, it'll be a fish two.

Speaker 6 (08:00):
Years Okay, So she's been gone for two years in
North Carolina. She has no contact with Adam. She doesn't
want Adam to have anything to do with the child.
What would he do as a biological father? Is he
entitled to access or visit?

Speaker 11 (08:16):
Hold on, we're not even sure about that, Bonnie.

Speaker 7 (08:19):
He's not on the birth certificate, nor does he have
actual medical proof that it's his kid.

Speaker 6 (08:26):
Will she deny at your I need to know something.
Will this woman deny as your child?

Speaker 9 (08:33):
From my standpoint of view?

Speaker 6 (08:34):
No, not your standpoint I'm talking. Will she say you're
not the father? Will she say it? No? Okay, so
she'll acknowledge that you guys had a child together.

Speaker 5 (08:50):
Yes, okay, Bonnie, Bonnie.

Speaker 15 (08:53):
Yeah, So he needs to he needs to get an
attorney there because it's Colorado. On the longer his jurisdiction,
the child has to have been a resident in state
of Colorado for one hundred and eighty days prior to
the filing of the case.

Speaker 2 (09:08):
So we're well past that.

Speaker 15 (09:11):
So he needs to get an attorney in the other state.
And you know that court may require since there was
no marriage, may require a paternity test or if just
both parties agreed, and they won't. But if he's the dad,
I mean, it's going to be fine if they have
to do a test. His biggest problem is fine in
her because he's going to serve her. So he's say

(09:31):
somebody probably to find her or go through maybe they
have joint people that they know if he can find
out where she's dead. Otherwise, you know, people are most
of the time aren't that hard to find these days.

Speaker 2 (09:44):
But he might have to pay.

Speaker 15 (09:45):
Somebody to do that work for not able to do it.

Speaker 6 (09:48):
But yeah, and then and then it's it's a motion
with the courts for what what do he ask for?

Speaker 15 (09:56):
Oh, I'm not sure what they call it here. Here
they just call it a petition for parental responsibilities, which
means I want some time with my kid, pernal responsibilities
handles wanting time with your kid who gets to make
the decisions? And also at handles.

Speaker 2 (10:11):
Or cheld sport comes under there.

Speaker 15 (10:13):
It may be different in that state.

Speaker 6 (10:17):
Now, would she be able if he gets if he
contacts her and the courts get involved, could they order
back child support?

Speaker 15 (10:26):
I don't know that's gonna in Colorado they could.

Speaker 5 (10:29):
I don't get.

Speaker 2 (10:30):
About that stake.

Speaker 6 (10:32):
And Adam, you're going to have to locate her.

Speaker 8 (10:36):
That's step number one.

Speaker 6 (10:38):
Then you get an attorney out there and file for custody. Now,
if you call an attorney in the city you believe
she's at, or where she's located. Perhaps the attorney will
have some way to locate her or figure out a way. Bonnie,
how often does it happen that people come to you
and they don't have any idea of an address? I mean,

(11:00):
does that happen often?

Speaker 15 (11:02):
Not too often, but most of us attorneys have somebody
that they know that it's a good skip tracer to
find people. So I wouldn't start by trying to find
a private eye. I would find the attorney first and
take the attorney's advice, because the attorney may know somebody
that's more reasonable in order to find in order to

(11:23):
find her.

Speaker 6 (11:25):
So, Adam, that's what your steps are. You need to
call that city and finds an attorney and say that
you have a biological child somewhere there you believe, and
you need to start filing a petition.

Speaker 5 (11:36):
Now, do you have.

Speaker 6 (11:41):
Money to give a retainer to an attorney?

Speaker 7 (11:46):
No, How are you going to pay all that child
support I've brought up three times.

Speaker 9 (11:53):
That would have to be figured out through my finances
if it came down to that, But affording an attorney
with everything else going on right now, it's just a
lot of money that I unfortunately do not have.

Speaker 6 (12:08):
Yeah, there are no organizations that there's no way to
get this done free, Adam. I mean, I know that
you called us for help, but we're telling you the
logical steps. You hire an attorney, They then go to
work to try to locate her. Then you file emotion,
and then you let the court sort it out. But
know this, Adam, that child is not going to be displaced.

(12:31):
They're not going to make her take the child to Colorado.
You're going to have to go there to see the
child and to have visitation or any other parental rights.
Are you prepared to make this major change in your life?

Speaker 9 (12:45):
Absolutely, I'll do it, Okay.

Speaker 15 (12:48):
Hey, Tom. One thing I might suggest is that you
google online. I mean, there are places here like Legal
Aid that get attorneys that volunteer to take cases if
you qualify as being indigent. I don't know what services
might be available there. I would probably start by doing

(13:08):
a Google of maybe they well, you don't know where
she lives. It's nice to do county, but you might
just put state of was it South Carolina.

Speaker 6 (13:17):
North North Carolina? And he does have an idea of
the city Okay.

Speaker 15 (13:22):
So maybe North Carolina Legal Aid free attorneys North Carolina
do some Google searches like that. But you know, a
lot of times you don't qualify in Colorado as indigent
to get those services, even though you really don't have
the money, the disposable income.

Speaker 2 (13:37):
To hire an attorney.

Speaker 15 (13:38):
You have to that income because they have to be
pretty much at poverty level. But if he's in that
sort of situation to start there might also sometimes there
are attorneys that will do we call them low pay
or slow paid, whether they maybe cut their rates some
or they take payments. It's not real commons, but there

(13:59):
are some attorneys out there that do that. So you
could look for family law attorneys in you know, in
that city or the county where maybe he could see
that and attack Adam.

Speaker 5 (14:12):
You know, yeah, Adam, do you work? Adam?

Speaker 8 (14:20):
Do you work?

Speaker 5 (14:22):
He hung up?

Speaker 6 (14:23):
Okay, here, yeah, listen, thank you. Bonnie Shields. By the way,
Bonnie Shields Law three oh three seven nine eight, nineteen
twenty seven.

Speaker 8 (14:31):
We have more coming right up.

Speaker 6 (14:37):
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(14:59):
when you choose for durand the real estate man dot
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three nine two zero sixteen twenty two. Hi Tom Martine
here at three all three seven one three talk seven
one three eight two five five. Steve, you have a
comment on Adam's situation. What do you think's going on?

Speaker 5 (15:20):
Sir?

Speaker 16 (15:21):
Go ahead, Steve, Well, I've been through not that exact situation,
but I question whether my daughter was my daughter or not.
The very first thing that he needs to do is
have a paternity test because she does not know, no
matter what he believes, if she was, you know, if
she was unfaithful.

Speaker 11 (15:42):
With Yeah, we already know she's loose.

Speaker 5 (15:44):
We get that he doesn't know.

Speaker 7 (15:47):
You know, in North Carolina, Steve, where apparently the woman is,
what they do is a DNA test. If he can
find them, they will give a DNA test. So, I mean,
we already looked at up yesterday. But I wanted to
add something onto there. A lot of times I feel
like I'm being too harsh with that guy. But what
goes through my brain with him is he hasn't looked

(16:09):
for this kid for three years. He has no money
for an attorney, he has no money for back child support.
I don't even know what his endgame is here. To me,
it's just very bizarre. Why did he wake up? And
I wish we asked him this time? Why did he
wake up yesterday and call us after three years about
this with no money and no resources.

Speaker 6 (16:30):
To be fair, what he said was she moved away
about two years ago. So they were together for a
year with the child and then and then she moved away.

Speaker 11 (16:40):
So says he has no idea why.

Speaker 6 (16:44):
He says not, but she wants she wants nothing to
do with him. She doesn't want him to have anything
to do with the child. She told him so. So
we don't know what he's done over the past two years.
But the reason I was asking him does he work,
Because if he doesn't have a lot of ties here,
he may want to move out there, yeah, and at

(17:05):
least be close to the situation.

Speaker 5 (17:06):
Well, or I don't really know what he or we're looking.

Speaker 11 (17:10):
At this wrong.

Speaker 7 (17:10):
And what I mean by that is she got up
and skipped down because there was a problem with him.

Speaker 8 (17:17):
No, that could very well be.

Speaker 6 (17:20):
So the bottom line is he is going to have
to have money. You know, when you think about it,
really and truly, it is weird. We have a system.
If you don't have money, you don't have access. Now
I'm not saying that's good or bad. I'm just saying
you just don't have access no matter what.

Speaker 7 (17:40):
I do want to know what Steve, Steve, I'm sorry
to interrupt you on that, but I've been wanting to
say that. So what happened with you? Did you get
the test done? What happened, Well, that's.

Speaker 16 (17:52):
A really emotional thing for me because what she did
we were married. What she did is she made comments
and to make me think that that child was not mine.
And I knew that I needed to get the test.
So I got the test. Uh, I couldn't open the envelope,

(18:14):
but she's my daughter a hundred percent. I felt a
little foolish, but it was the best thing I ever did,
because if you don't get that test, you're always going
to have that question, and you don't want to have
that question.

Speaker 7 (18:27):
Did you open the envelope you left off? You said
you didn't.

Speaker 16 (18:31):
I couldn't. I couldn't open the envelope. I had to
take it over to my mom's and I was.

Speaker 5 (18:37):
Born and crying and great story man.

Speaker 6 (18:40):
Anyways, so turned out she is my daughter, and do
you still have a relationship with her?

Speaker 5 (18:47):
Correct?

Speaker 8 (18:48):
Well, that's good.

Speaker 5 (18:50):
Listen.

Speaker 6 (18:50):
I applaud people who want to be part of a
child's life. Sometimes they don't really want to be part
of a child's life, but they just want to cause
problems for the biology parent. Because now I'm not saying
I don't know what this guy's case was, Adam, but
in any case, he can't do anything. If you don't

(19:12):
have money, you don't get to the courts. That's included
being screwed. I mean, there have been licked. There are
people in dire situations that need attorneys, and you'd be shocked,
and somebody brought it up the other day. You'd be
shocked at how many people think attorneys work on contingency.
And I believe it was one of our attorneys yesterday.

(19:33):
Yeah it was who said, or the day before who
said they believe attorneys work on contingency because of PI
or personal injury attorneys.

Speaker 8 (19:44):
Personal injury attorneys.

Speaker 6 (19:45):
If you have a good case, they will take your
case and work on a percentage fee basis. We know
plenty of good attorneys that do that, but I've almost
never heard of anyone who will take.

Speaker 8 (19:58):
Up a civil matter.

Speaker 5 (19:59):
First.

Speaker 6 (20:00):
Well, there's nothing to be had, there's no pot at
the end of the rainbow, there's no cash award. So
to try to find an attorney pro bono, you're not
going to do it. I mean, very, very, very few
times can someone get an attorney to help them.

Speaker 8 (20:18):
And here's another reason.

Speaker 6 (20:20):
Once an attorney takes on a case, if they are
trying to be a nice guy, and they're taking on
a case.

Speaker 8 (20:25):
A nice gal and nice guy.

Speaker 6 (20:27):
And they charge very little or nothing, and it gets
to be a massive case with discovery and all of that.
They can't just withdraw without some kind of permission from
the court because it would be abandonment. So they end
up trying to help someone with a small matter that
turns into a big matter, and sometimes they are just

(20:49):
stuck with it, just stuck with it, and it becomes crazy.

Speaker 8 (20:55):
Mark, do you have your guest.

Speaker 7 (20:56):
In Yeah, Joe keano. He just got here sitting at
to me. We got a movie event tomorrow which is
gonna be pretty cool?

Speaker 5 (21:03):
Or is it Thursday, Thursday, two days from now?

Speaker 6 (21:06):
Tom Okay, And they can go to My Moneymway dot com.

Speaker 5 (21:11):
Isn't that right?

Speaker 11 (21:12):
Nope, My moneymovie dot Com.

Speaker 6 (21:15):
Okay, My moneymovie dot Com. Yep, all right, thank you.
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(22:00):
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(22:22):
I'm Tom Martino. You're a troubleshooter. I want to go
to Paul the Waterman because Mark had a question the
other day. I was talking about Paul special waterpros dot
net and how it is. It is a really great special.
I said, well, let me let me give the rest
of it. I said, for forty six ninety five, you
get a whole house system, and I says it takes

(22:43):
out forever chemicals and plastics, and I said, it also
takes out the chlorine and it gives you wonderful water.
And then at the kitchen sink you have triple filter
reverse osmosis for drinking.

Speaker 5 (22:55):
And then Mark go ahead, well.

Speaker 7 (22:56):
On YouTube Paul while he was saying that, so one
on YouTube set. I was going to have Paul out
next month and get his system for thirty six hundred bucks,
But all of a sudden, it's forty six hundred and
I was like, huh, that is kind of interesting because
I remember doing your commercials for thirty six, and then
I realized that didn't include the point of use. But

(23:17):
then I started thinking, why are you filtering it twice?
So like am I missing that too? Like if anybody
got the thirty six hundred dollars system, do they need
to call you for the other system?

Speaker 6 (23:30):
Now?

Speaker 11 (23:30):
I mean, how does that look?

Speaker 7 (23:31):
I thought the one that did the whole house did
the chlorine and did the softening and got rid of
the four ver chemicals. I figured if it could get
rid of pfs or PFA's, I figured it could get
rid of other stuff.

Speaker 11 (23:44):
So what's the deal on that?

Speaker 17 (23:47):
So what we did, Mark, is we edit a reverse
house Moses. So the point of view is reverse house
most like com has that gets that removes the pharmaceuticals.
So the whole house system is ideal, you know, to
get rid of the total terraine content of forever chemicals,
soft water that some people, you know, Mark, what they're

(24:10):
worried about, pharmaceuticals, the hormone.

Speaker 7 (24:12):
Let me ask you this ball, because I'm on a well,
I assume I don't have to worry about chemicals like that.

Speaker 17 (24:19):
Oh no, you do, you absolutely do. Where do you
think the municipalities get the water?

Speaker 2 (24:25):
From.

Speaker 17 (24:25):
They get it from wells groundwater. So you absolutely have
the same issue as I do.

Speaker 7 (24:31):
Yeah, but the aquafer, I mean it's an underground aquafer.

Speaker 11 (24:35):
How how that please help me? How does he get
into there.

Speaker 17 (24:40):
Well through groundwater saturation? But here's something else I learned.
Where do you think the water treating the cut plants
dump the water from, you know, the wastewater from They
dump it a ground. That's what they use to rebuild
the opera.

Speaker 7 (24:53):
I always figured they dumped it in Commerce City because
of the way it smells.

Speaker 8 (24:58):
They you're in sold.

Speaker 6 (25:00):
But but Paul, on a serious note here, what you're
saying is the whole house system.

Speaker 8 (25:06):
If you have just the whole house system.

Speaker 6 (25:08):
You have good quality water, soft water and conditioned. But
if you want to get that extra drinking water edge,
get rid of all the the other stuff. It's just
for point of use drinking water, and it gives you
an extra level of protection, is what you're saying.

Speaker 2 (25:27):
Right.

Speaker 17 (25:28):
You don't have to be very candid, Tom, I did
that because I was thinking about you, you know, yeah,
sure going through similar issues, similar health issues or have
you know immune you know, common rights issues. Reverse osmosis.
Water is the best it's ninety nine point ninety nine
percent three you know, pure water, and so the whole

(25:49):
house unit I can remove the furper chemicals. That's that's
what you need.

Speaker 7 (25:53):
We get rid of the total point right when you
just do a reverse osmosis system that does the whole.

Speaker 6 (25:58):
House because it so tell them Paul, you can, yeah,
you can mark.

Speaker 17 (26:05):
But you know they're run in between. You know every eighteen.

Speaker 6 (26:09):
Thousand, Oh okay, big yeah, yeah, reverse c That's why
at the kitchen sink it's it's twelve hundred, which he
gives a deal. By the way, if you went to
a plumber to get a triple filter reverse osmosis, you'd
pay twice or three times that, and then for this
conditioning or the whole house system, you'd pay fifteen grand.
I mean, his prices are extremely low. But when you

(26:32):
add them both together, you have the completeness of the
drinking water, which is pure super purified water, and then
you have the whole house system, which is still a
good system.

Speaker 8 (26:42):
Now, if you.

Speaker 6 (26:43):
Had to get one or the other, that's really up
to personal preference. A lot of people love the soft
water because it preserves your boilers, it preserves your appliances,
your dishwashers.

Speaker 8 (26:54):
It truly does. Hard water does a number.

Speaker 6 (26:57):
Now what Mark said about having leech, you know, having
the aquifers. Not all aquifers are contaminated. But what's happening.

Speaker 8 (27:06):
Over the years, even the rain water.

Speaker 6 (27:09):
What happens is as water evaporates, it gets into the
water cycle. And they have been picking up even nanoplastics
in well water and forever chemicals in well water.

Speaker 5 (27:20):
No doubt, no doubt. Well water is.

Speaker 6 (27:23):
By far, in my opinion, if you had to do
well water, it's better than municipal water in my opinion.
But and some wells are better than others, right, Paul,
didn't you say there's an area in town or in
the metro area that has naturally occurring soft water.

Speaker 17 (27:42):
Louisville, Colorado. Folks who live in Louisville, Colorado have natalie
recurring south water. Absolutely, that's you know, there's Colorado water
qualities and mixed bag and nuts. It's all over the place.
The folks and Lewisville have natalie soft water.

Speaker 6 (27:58):
That's pretty cool, y way, thank you very much, Paul
jen forty six ninety five three oh three eight six
two five five five four is waterpros dot net.

Speaker 8 (28:07):
We got more coming right up.

Speaker 6 (28:13):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 5 (28:17):
You don't pay a cent until you're content than.

Speaker 6 (28:22):
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
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. Hi, I'm Tom Martino,

(28:46):
your troubleshooter. Three oh three seven one three talk seven
one three eight.

Speaker 8 (28:51):
Two five five. Let's talk to uh Jason. Jason.

Speaker 6 (28:55):
You have a comment on reverse osmosis drinking water.

Speaker 8 (28:58):
Go ahead, Jason, he dropped off.

Speaker 6 (29:00):
Oh he did, okay, In any case, we were talking
about that.

Speaker 5 (29:05):
Now. One thing I want to revisit.

Speaker 6 (29:07):
Somebody wrote to me again with money paid and nothing done. Listen,
we need to start taking this Contractor's Trust Act seriously.
It is really strongly written. Listen to this. A contractor
must take this the money in trust they are not

(29:29):
allowed to spend even a dollar of your money on
someone else's project.

Speaker 8 (29:36):
Now the thing is proof. How do you do that?

Speaker 6 (29:38):
Well, they're not required to have separate accounts, but they
have to have a separate set of books that shows
your deposit, where your deposit is, and what's been subtracted
from it, and that money must be available at any time.

Speaker 5 (29:56):
And it can have contract It can.

Speaker 6 (29:58):
Have criminal liability if they violate the statute and misuse
misuse trust funds. It can trigger theft charges under a
criminal statute. I mean, it's a big deal, and I
don't know why. You know, one time, a few years ago,
we actually started. We had an attorney who is going

(30:19):
after the Contractor's Trust Act. And you know, in some
cases you can get treble damages if they took your
money in trust, they did not have your money available
when you asked for it, and then they literally had
tripled the amount of a judgment against them, triple the amount.

Speaker 8 (30:37):
That's how serious it is.

Speaker 6 (30:39):
It's the Contractors Trust Act first and foremost. I recommend
that you don't put money down, I mean, just protect yourself.
I have come to believe that there is no reason
to put money down on anything, and I might be
in stark contrasts people even on my referral list, but
I'm telling you.

Speaker 8 (30:58):
I would not put my down.

Speaker 6 (31:01):
The only exceptions are when work is done, materials delivered, contraction.
You know, there's just no reason. There's no reason. I
love the excel roofings philosophy. You don't pay a cent
until your content. Now, what are the biggest reasons some
of these guys want you to put money down?

Speaker 8 (31:21):
Is to order materials.

Speaker 6 (31:23):
So if they're literally paying for those materials, offer to
pay for them, pay for them where they're ordered. But
by no means should you ever, ever, ever just pay
money for nothing upfront.

Speaker 8 (31:35):
That's just the way it is.

Speaker 6 (31:37):
The only thing I can think of our materials ordered.

Speaker 8 (31:40):
Can you think of anything else?

Speaker 6 (31:41):
Or of work begins, even if plans are made up,
that's considered work.

Speaker 8 (31:46):
So you pay as you go.

Speaker 6 (31:48):
You know a lot of contractors, what they'll do is
they'll say, well, how do I know their consermer is
going to be ready? Listen, there's got to be a
certain amount of mutual trust when it comes to project.
If you can't even trust your consumer to pay you,
then maybe you shouldn't be working for that consumer. By
the way, subcontractors are also protected because that money that's

(32:13):
paid in trust. If a subcontractor does a job for
the general contractor, that subcontractor can use the contractor's Trust
Act to demand payment from the amount the consumer paid
for that item. So again, a way to get away
from this is just don't pay money upfront. I'd like

(32:34):
contractors or people who do work to call us and
let us know why. Just tell us why you take
money upfront or why do you think it's necessary.

Speaker 7 (32:44):
One of the things I hear from landscapers, in fact,
to Bob with l em says, well, I got to
schedule my guys out there, and if I schedule them
and don't get something down and they cancel, then you
know I still got to pay these guys. I wasted
that time on my crew. Well, you go after them
if they canceled. I mean, what can I tell you?

Speaker 6 (33:07):
And it's nothing against Bob, But if a truck hits
and what happens. I mean, we've had we've had many
cases where we've had good contractors, good contractors get into
financial trouble. We've had it happen. Now on a referral list,
hasn't happened that much, but it has happened over the years.
You're always and especially especially when you don't even know

(33:29):
the people. I can't tell you how many people online
schedule a mover and then transfer that They transfer money
either electronically or they send a check or somebody picks
up something. It's amazing to me that you would schedule
a mover. Remember, moving is a whole separate category. You

(33:50):
never pay money upfront for a mover ever, never, ever, ever, ever,
and that would do away with most of them. With contractors,
I invite your calls. I am telling people you shouldn't
do it. By the way, Jason, let's try to squeeze
you and you called back.

Speaker 8 (34:08):
You had a comment on reverse host.

Speaker 6 (34:09):
Go with a sure thing Denvers 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. In 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.

(34:31):
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 3 (34:44):
Ripped of.

Speaker 5 (34:47):
News so you don't have.

Speaker 6 (34:52):
Come.

Speaker 3 (34:52):
Run in just as fast as we can. Shoot's gonna
help come.

Speaker 4 (34:59):
Six is the Troubleshooter Show. No Tom Martino.

Speaker 8 (35:05):
Hey, I'm Tom Martino.

Speaker 5 (35:06):
Welcome to the show. Three O three seven to one three.
Talk is our number.

Speaker 6 (35:10):
When we're in the studio three oh three seven one
three eight two five five, you can get right through,
or of course you can always call us twenty four
to seven at three oh three Martino three O three
six two seven eight four six. Six's hour brought to
you by Denverregen dot com for painful joints and tendons.

Speaker 5 (35:29):
They have stem.

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Cell therapy, low prices, great value Denverregen dot com. They
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and it's a little less expensive than stem cells, and
sometimes it works instead of stem cells. That's platelet rich
plasmis called Denverregen dot com. Major Mark Major is at

(35:53):
the main studio. I'm at Kasa Studio, Mark. What do
you got going on?

Speaker 7 (35:58):
Well, you know, we got jokey ono in and it's
kind of interesting with the stock market going up and down.
I want both your thoughts because I know Tom you have,
of course your financial company wave AP. But when it
comes to annuities, my goodness, Joe, you've been dealing with
them for what twenty thirty years longer.

Speaker 18 (36:16):
Probably, but almost thirty five years mark.

Speaker 5 (36:19):
So if you.

Speaker 7 (36:20):
Took I'm just curious, you take someone that's got what
what do you guys think average average? No, not even
the median retirement, not only the age, but the amount
people have a retirement. I mean, do either of you
know do most people have ten thousand and five minuts?

Speaker 5 (36:38):
Actually, what I can do?

Speaker 19 (36:39):
I can do one thing right now. That College for
Financial Planning did a study and they claim the baby
boomers right now they have less than two hundred and
fifty thousand dollars in their four oh one gay.

Speaker 5 (36:53):
Wow, So what.

Speaker 19 (36:55):
Are they looking for? They're looking for social security and
who's going to know what's going to hell but through
social security in the future.

Speaker 7 (37:02):
My god, just over the past forty days, it made
you start thinking absolutely, you know, the first week or two,
and I mean, Tom, tell me if you well you
already said at the beginning of the show. It didn't
affect you, but we know people that were flying and
they literally were affected because the.

Speaker 5 (37:19):
Journey took so long.

Speaker 7 (37:20):
Sure, I mean, it's kind of crazy you think, and
all of a sudden you can't fly anywhere. But think
of social Security. They say it runs out of money
by twenty thirty five.

Speaker 18 (37:29):
That's right.

Speaker 6 (37:30):
Yeah, who knows what's going to happen now, Joe, As
Joe knows I have, I have an annuity, and I
believe it. There's a place for an annuity for everyone.

Speaker 7 (37:41):
Well that's why I bet I totally agree with you.
But that's where I was going with how much they
have in retirement. So let's take that two hundred and
fifty and talk about baby boomers, and let's let's say
that numbers somewhat accurate. So out of two hundred and fifty,
what do you put into an annuity compared to what
do you put in other stuff?

Speaker 11 (37:59):
I mean, what are your opinions on this?

Speaker 6 (38:01):
Half of the problem, Joe will tell you. Half the problem,
Joe will tell you is not so much the stock market,
but everyone dealing in the stock market. I mean, I mean, Joe,
I hate to say this, but there are a lot
of I mean, they just.

Speaker 5 (38:15):
Churn your money over and over and over, and.

Speaker 6 (38:18):
They just don't listen. There's nothing wrong with the overall
performance of the stock market or ETFs or.

Speaker 8 (38:26):
Good financial products.

Speaker 6 (38:27):
It's when people try to capture games and day trade
and do all this stuff, they end up losing money
over time.

Speaker 19 (38:33):
Joe, tell them, you're absolutely right, you know, and I
believe the stock market has a place for somebody that's
trunk to build their retirement accounts. Oh, you know, maybe
when somebody's young, but when somebody reaches the h of
you know, let's say fifty nine and a half or sixty,
and they're nearing retirement, right, they want to have a
guarantee income. They don't want to lose any money. They

(38:56):
just don't have enough time for the market. I mean,
if the market goes down, they just wouldn't have enough
time to recover or at least.

Speaker 5 (39:03):
Not all of this.

Speaker 11 (39:04):
They might want some that's safe like that.

Speaker 7 (39:06):
Think about having that guarantee in place where you know
you're at least going to be able to buy food,
pay your insurance, and pay your renter mortgage, and then
you might be a little riskier with other stuff. So
that all comes down to what you want at some point.

Speaker 18 (39:22):
That is right.

Speaker 19 (39:23):
And most of the people Tom you know that we've
been talking to lately, they want to have some security,
that's retirement security. And really, you know, the annuity is
a perfect compliment to the stock market.

Speaker 18 (39:36):
Basically.

Speaker 19 (39:37):
You know, if you're young, I'm one hundred percent agreeable
with you about.

Speaker 5 (39:41):
The stock market.

Speaker 19 (39:42):
When you're getting to be a little bit older and
you're nearing retirement or in retirement, you gotta take carr
of your money.

Speaker 7 (39:49):
Well, think a deputy doc. He couldn't be happier. He
talks about that annuity all the time. And I'll tell
you exactly why. He knows exactly how much he has
coming in between social Security or a pension, whatever he's got,
and his his annuity, his guaranteed money mark until.

Speaker 5 (40:05):
Day he dies, until he dies.

Speaker 7 (40:07):
Yeah, and his I think also goes up like three
percent of inflation.

Speaker 18 (40:11):
Right then, we have those annuities.

Speaker 11 (40:12):
Does yours do that time? What kind did you end
up getting?

Speaker 6 (40:16):
I got one and I was on the phone a
long time with Joe on this, and I got one
that has the cost of living adjustment. A lot of
them do, and I chose I got mine at sixty eight. Again,
as and I took part of our portfolio. You asked
what part. Now, I'm a little different than most people
that I had a little extra, and so I put

(40:40):
so I still kept some in the stock market. But
as you get older, as you get older, it should
be in verse. You should start reducing the stocks and
bonds and increasing the guaranteed products.

Speaker 7 (40:52):
He's got a client named Roof that I met numerous times.
Hit these movie events like the one coming up in
a couple of days. You know what she did, which
was crazy, And I never would have thought of this,
And I'm curious.

Speaker 11 (41:03):
I kind of know how much you.

Speaker 7 (41:04):
Spend on an annuity time and I'm not gonna say
that that's your own business, but why not get this
is what she did.

Speaker 11 (41:12):
She got like.

Speaker 18 (41:13):
Three or fouries.

Speaker 7 (41:15):
Let's just say you've got four hundred thousand dollars for annuities,
and she's got other stuff too, but let's say it's
four hundred. Instead of getting one annuity at four hundred,
she actually got four annuities at one hundred each. And
when she retired and her husband died and other stuff
happened in her life, she's feasting off two of them,
but the other two were still building, which is crazy.

Speaker 18 (41:39):
That's what they called lattering, lattering ladding the annuities and.

Speaker 8 (41:44):
The benefit here's the deal.

Speaker 11 (41:46):
If you don't need the cash flow, it's still growing.

Speaker 18 (41:48):
That's right.

Speaker 7 (41:49):
I mean, that's now what am I? She fell ill
and the long term care was going to kick on.
I'm the ones that she hadn't turned on yet. Does
the long term care benefits start instant?

Speaker 19 (42:00):
Absolutely? You know, it would be instantly. It would be
turned into an income for life and all four annuities. Wow,
and the long term care will double that income stream
for the rest of her life. And by the way,
that was her biggest concern that she has long term
because her family has dementia. Yeah, and she went through
that with her parents and she doesn't want to go

(42:22):
through it, you know, by herself.

Speaker 5 (42:24):
With the.

Speaker 6 (42:27):
Talk about the talk about the movie event, when is it?

Speaker 7 (42:30):
Well, it's this Thursday, so it's November thirteenth, Susanna and
I'll be out there give a few words before six
point thirty in Aurora at Southlands. It's at the AMC Southlands.
I think they call it to Dine in the dine
in right, Yeah, but there's no day we're going to
buy the concessions.

Speaker 11 (42:50):
It's a good movie.

Speaker 7 (42:50):
If you've never seen it, and I try to say
this in your commercials, just google it, Baby Boomer Dilemma.
It's a real produced film. I mean, it's like a
Hollywood style aile film. It's got all kinds of Nobel
Prize winners talking in it. I'm looking here a lot
of economists from Wharton Business School. I mean, you've got

(43:12):
people from MIT Stanford and they really dive into four
oh one k's and pensions and the government and the
big experiment we call social security.

Speaker 11 (43:24):
I mean it's kind of nuts. Hey, A little.

Speaker 7 (43:26):
Separate question, but for both of you, do you like
the fact of the four to oh one k's instead
of the old school iras and pensions? The one I
always think of United a buddy of mine effect, I
think you know him, Doug Walker. Tom He was a
he was a pilot, but he was a captain for United.

(43:48):
He had the Krem Dala Krem. He would leave Denver
and fly to Germany and back three days a week
or whatever it was. He was like at top ranks.
He was looking at twelve or thirteen thousand dollars a
month in the early two thousands to retire with, and
all of a sudden, if you worked for United back then,
they're basically going bankrupt.

Speaker 11 (44:08):
They raided the pensions.

Speaker 7 (44:10):
I don't know if they were forced to in a bankruptcy,
but he ended up with about two grand a month.

Speaker 11 (44:16):
Imagine working for.

Speaker 5 (44:17):
The company that long. Let me make this clear. They
can't rob four o one k is. They can rob
pension plans, private pension plans.

Speaker 6 (44:25):
But here's a four oh one k. Okay, A four
to one K is excellent. You max out to get
your the benefit of your employer contribution. Nothing beats a
four oh one K for a working person. But don't ever,
when you build up a lumpsum in that ko, in
that four oh one K, don't keep it in there
because that's where you.

Speaker 8 (44:46):
Want to convert.

Speaker 3 (44:47):
That.

Speaker 6 (44:47):
So, as you're getting ready to retire and you have
a lump sum in your four to one K, Joe will agree,
the worst thing you can do is start drawing it
down because it's going to go away. That's where you convert.
See Mark, I had a pension, okay, and my pension matured.
The worst thing I could have done is kept it

(45:08):
in that pension account.

Speaker 7 (45:09):
Because it couldn't borrow anymore or started drawing it down.

Speaker 6 (45:13):
So that's what I did with my lump sum. It's
an annuity. So you use your lifetime to build a
nest egg. When you get a nest egg, don't don't
don't put all your money in when young person.

Speaker 5 (45:25):
But as you get older, you have a nest egg.

Speaker 6 (45:28):
That's where you take that nest egg and now you
convert it and you make it solid and you get the.

Speaker 8 (45:37):
Peace of mind.

Speaker 6 (45:39):
So no matter what happens to my other investments, I've
converted my pension into an annuity.

Speaker 18 (45:45):
And uh, that's beautiful. Yeah, that's that's well said.

Speaker 11 (45:49):
It's very much.

Speaker 6 (45:49):
I got fifteen percent. I got a fifteen percent bonus
going in.

Speaker 19 (45:54):
You got seventeen now, Tomas, now seventeen percent?

Speaker 11 (46:00):
Last question real quick? Then I know we got to
take a break.

Speaker 7 (46:02):
But Social Security, it kind of drives me crazy that
I'm forced to pay into this pretty much under all circumstances,
even self employed everybody. And they've been raiding this fund.
It's going to go bankrupt, they take money out of it.
But yet they forced me to fund something that I
don't know is going to be around when I retire.

Speaker 5 (46:26):
Hey, dude, Joe, what do you think would happen? Listen?

Speaker 8 (46:30):
And I'm serious.

Speaker 6 (46:31):
If they picked let's say three or four of the
best innuity companies or far or five or you had
to qualify, and then everyone was forced, everyone was forced
to buy one of those instead of Social Security, Joe,
our retired people would have more money than they know what.

Speaker 5 (46:50):
To do with.

Speaker 19 (46:51):
Absolutely, Tom, you know, I think that's exactly what we
should be doing, you.

Speaker 6 (46:56):
Know, you know, because that doesn't social sec. It doesn't grow, No,
it doesn't do anything. Imagine this, if you're forced FIKE
of payments, they put it into an account and like
they make you buy health insurance, what they do is
they take your FIIC of money and at the end
of the year you have to designate an approved annuity,

(47:19):
an approved one only, right, and you keep.

Speaker 5 (47:22):
Building it up.

Speaker 6 (47:23):
The government would have nothing to do with it, and
people when they retired.

Speaker 5 (47:28):
Would have more money than they know what to do.

Speaker 7 (47:31):
The governments what these people want, though, that's the main
problem with that. They don't have this cof for to
go rob money from.

Speaker 6 (47:42):
Because private equity, private investing can do better.

Speaker 8 (47:46):
Than the government.

Speaker 6 (47:47):
If if now I'm not saying you give the money
to people to spend, that would be ridiculous because they
would spend it and they wouldn't say they spend.

Speaker 5 (47:58):
Force them. And then what you do is to qualify
to be.

Speaker 6 (48:02):
One of the annuity companies, they have to go through
a standard, they have to go through a stringent test. Okay,
so let's say we have four or five annuity companies.
Then you get the right to choose one of them,
and that's the one you stay with every year. So
every year your FIKA is going into a private guaranteed
annuity instead of the government.

Speaker 5 (48:24):
And when can you.

Speaker 6 (48:25):
Imagine when a person starts working and they're saving this
money from twenty years old until they're sixty five, do
you realize what they would have in monthly payments? It
would they would make Social Security look like pittance. Why
don't they do Why doesn't the government do something because they.

Speaker 11 (48:44):
Need that money?

Speaker 7 (48:45):
They they yeah, your market for whatever the hell they're
pet projects.

Speaker 5 (48:49):
Anyway, We're running out of time, so listen, hang in there.

Speaker 6 (48:52):
We got more coming up on the Troubleshooter show. Go
with a Sure Thing, 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. In comparison, call
Compass Insurance paying too much your coverage at dozens of

(49:14):
insurance companies find out now three oh 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 oh
three nine two zero sixteen twenty two. Hi Tom Martine
here at three oh three seven one three talk seven
one three eight two five five Okay, Joe. Here, Here's

(49:37):
what one person texted me. The reason they don't let
Social Security, they don't let people invest in approved annuities
is because they wouldn't have a slush fund there. And
then also that what about the people that don't pay
in but still collect?

Speaker 8 (49:51):
Is that a fallacy?

Speaker 6 (49:53):
I thought that if you don't pay into Social Security,
you don't get it.

Speaker 8 (49:56):
Isn't that correct?

Speaker 6 (49:57):
I don't think you get Social Security If you don't
you have to have like forty quarters the figure.

Speaker 11 (50:02):
Yeah, you do, right, and then it averages absolutely.

Speaker 7 (50:06):
So this person is saying they maybe they're thinking of
social security disability.

Speaker 11 (50:12):
You can get that and never work a day in
your life.

Speaker 6 (50:14):
Oh okay, that's a good point. That's a really good point. Okay,
three three seven one three talk on the contract.

Speaker 11 (50:22):
Hold on going back there real quick.

Speaker 7 (50:23):
If you think about there's certain cases how much money
you've paid into Social Security is absolutely insane. I mean,
and I know people hate these kind of examples, but
I mean, take somebody like Warren Buffett. Imagine how much
money he's paid more into Social Security than anybody, and
not only for himself but for the company half of

(50:45):
his companies. I mean, and he only gets whatever the
maximum is, which is how much is maximum these days?

Speaker 11 (50:52):
I don't even know five or grand a month.

Speaker 6 (50:54):
No, no, no, it's only about three thousand and six
three eight something something like that's the max.

Speaker 11 (51:02):
God, you better have something else.

Speaker 18 (51:03):
You stay, That's what I'm saying.

Speaker 5 (51:04):
Yeah, keep telling Tommy, Okay, go ahead.

Speaker 20 (51:08):
These forty quarters that they evaluate for the purposes of
determining your maximum benefit, do they have to be the
most recent consecutive forty well throughout your whole life, the
highest forty Like throughout the whole life, you had like
three quarters from ten years ago and twelfth quarters from
three years ago.

Speaker 5 (51:24):
Oh that's great.

Speaker 6 (51:25):
It's not the most recent forty quarters, it's the high
I believe it's the highest forty quarters they do. Now,
by the way, this one person writing to me, their
HOA is telling them they can't get I wish you
would call, by the way, just call three or three Martina.
You get right through. But the HOA is saying you
can't have solar panels. Well, there is an actual law

(51:48):
called right to Solar Energy. I looked it up, Colorado's
Right to Solar Energy. The law makes it so homeowners
can install solar panels even in a neighborhood with an
HOA where the HOA tries to restrict it. They can't
ban or block solar systems outright. What the law does

(52:11):
say is they can set reasonable esthetic guidelines, reasonable like
panel color or placement, so long as the rules don't
make the system much more expensive and less efficient. So
this state law, Colorado's right to solar energy.

Speaker 8 (52:29):
That's what you look at.

Speaker 5 (52:30):
And they can't They absolutely can't do it to you.

Speaker 6 (52:34):
And I think Brooke White over at Alliance Roof and
Solar would know a.

Speaker 5 (52:38):
Lot about that. In fact, you should.

Speaker 7 (52:41):
I think though, it would only be if it's feasible, right,
I mean they can't simply say you can do it
no matter what.

Speaker 11 (52:48):
Right, Well, they.

Speaker 6 (52:50):
Have to kind of accept for minor esthetic changes.

Speaker 8 (52:54):
They have to let them put them up. They really do.

Speaker 6 (52:58):
It's a pretty strict law right now that allows people
to have solar. But Mark, I don't know what you mean, Like,
I don't think you know. They they have to blend.
They have to be like dark colors and blend, and
they have to be placed in a reasonable uh, Like
like you can't do a big solar field in your yard.
It has to be Yeah, it has to be on

(53:20):
your home. But basically, so listen, don't.

Speaker 11 (53:23):
You think there's areas? Is there areas that we.

Speaker 7 (53:26):
Have electrical companies that do not have any way of
joining their grid.

Speaker 11 (53:33):
Do you know if that's a thing.

Speaker 8 (53:34):
I believe everyone. I believe.

Speaker 6 (53:36):
Now we can ask Brook, but I believe all of
all power companies must have a way of buying the
and it's called net metering. Have to have a system
for net metering. When it comes to solar, you're you're
You're not They're not allowed not to buy your solar.

Speaker 5 (53:56):
That's what I believe now.

Speaker 6 (53:57):
There there might be a little co op that gets
it's away with it. But you know, if you get
a chance, get Brooke on that Kachina.

Speaker 8 (54:05):
That's a good question.

Speaker 6 (54:07):
Are there areas where you don't have net metering that
would be a good one to inspect. By the way,
I found something freaking amazing that I did, And maybe
it's not so amazing. Maybe everyone knows it. Do you
know that Amazon, based on what you purchased and how

(54:31):
much you spend and other behavioral items, they price differently
for different people. Did you know that? Did you know Mark,
that you can go on Amazon? I listen, I went
on through incognito and I tested it, and I swear
to you there are things that were priced specifically this tripod.

(54:54):
I told you that the one tripod was twenty nine
to ninety five. It was priced at forty dollars in
another scenario, and it was It's amazing, Mark, did you
know that Amazon? There's no definite Here's what AI says.
There's no definitive public evidence that Amazon routinely shows different

(55:17):
prices to different people, but it has been an allegation.
There are plenty of credible signs that show dynamic pricing
is real on the platform. They're calling it dynamic pricing,
So they take averages of what you've spent and what
your tolerance level is on certain things and they will

(55:37):
price accordingly.

Speaker 5 (55:39):
So that does that That amazes me. Mark, You're not
going wow.

Speaker 11 (55:44):
So wait, wait, wait, wait, hold on. Here's where I think.

Speaker 7 (55:49):
I believe they have dynamic pricing, but I think it's
more of timing.

Speaker 11 (55:54):
So in other words, if you look at.

Speaker 7 (55:56):
That tripod at eight am and you look at it
later that evening, it could be different. But are you
saying that if I look at it from the same
vendor on Amazon and you look at it at the
same time, we could have different price.

Speaker 5 (56:12):
Now, now that I don't know, but I do know
that two.

Speaker 6 (56:16):
Different profiles can have two different prices. But you bring
up a good point because Amazon made a statement that
it monitors the time of day and the demand supply,
and they do have dynamic pricing during the day, which
is amazing too. What I'd like to do is is

(56:36):
get an algorithm that tells me when the best prices are.
But here's the thing. Some of the items are priced
differently depending on the time of day, but they're not
all priced differently. It says here Amazon may change prices.
Listen to this every ten minutes.

Speaker 7 (56:55):
Yeah, exactly, I knew that.

Speaker 8 (56:58):
That's incredible.

Speaker 6 (56:59):
So how do we find the best time to buy
certain things?

Speaker 7 (57:04):
Well, if we all knew that, that would kind of
kill their algorithm, wouldn't it.

Speaker 6 (57:09):
But I wonder how they do it that It just anyway,
we do have to take this break.

Speaker 7 (57:13):
But it just comes to when it comes to competing
customers in the exact same product. I think it was
called Robinson Robinson pat Man or pac Man or pat
Man or something.

Speaker 5 (57:26):
Act.

Speaker 7 (57:26):
It's a federal act that says you really can't do that. Now,
if one's gonna buy ten units compared to one units
or whatever, that's different. If one happens to be a
retailer buying from a wholesaler that also retails, that's different.
But you really can't. You can't walk into McDonald's and
I charge you ninety nine cents for a hamburger. Then

(57:47):
Scott walks in and I decide, Eh, he's fat.

Speaker 11 (57:50):
I'm gonna charge him one forty nine. You can't do it.

Speaker 6 (57:54):
Well, okay, but what Amazon is doing is differently than that.

Speaker 8 (58:00):
As you brought out.

Speaker 6 (58:01):
It might have to do with the time of day
or the supply and demand situation on a.

Speaker 8 (58:06):
Particular product they have.

Speaker 6 (58:08):
They constantly have these algorithms running and they can have
hundreds of price changes within a couple days. I mean,
that's amazing to me anyway. One Clear Choice Garage Doors
twenty four to seven service. I love these people. One
clear Choice doores dot Com started in Colorado. It's a
national company now, but you get the same twenty four

(58:31):
to seven service for anything.

Speaker 5 (58:33):
To do with the garage door.

Speaker 6 (58:34):
The best prices, the best selection of products. They're factory
authorized for most doores or openers. One clear Choice Doors
dot Com all of their prices on that website seven
to zero, three seven zero, thirty nine eighty seven. Go
with a sure thing Denver's best roofer Excel Roofing dot Com.

Speaker 5 (58:58):
You don't pay a cent until your content.

Speaker 6 (59:02):
Of time for an insurance checkup free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O 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
oh three nine two zero sixteen twenty two. Hi Tom

(59:30):
Martine here with Mark Major. I'm going to go to
Brook White with Alliance roof and solar. She is, uh,
she's here because we had an inquiry somebody was having
a trouble with a solar system because of the HOA.
Just how much control can an hoa do for someone
who wants to put in solar brook.

Speaker 21 (59:52):
They don't really have any control. So the Supreme cour
in Colorado determined that h can only move ten percent
of your solar system.

Speaker 22 (01:00:03):
So if you have.

Speaker 21 (01:00:04):
Ten panels that you're going to install, they can tell
you where one of those ten panels go. The other
nine is up to you. Really, hoas don't even Yeah,
most hoas don't even They it's more of a heads
up than an approval process at this point.

Speaker 6 (01:00:20):
Okay, So if you're being bullied around, they can't They
simply can't do it.

Speaker 21 (01:00:27):
Now, you can just cite the twenty nineteen Colorado Supreme
Court decision because okay, the reason behind that is they
said hoas cannot influence a homeowner's ability to generate their
own renewable power due to the savings or the financial.

Speaker 15 (01:00:47):
Situations will receive.

Speaker 6 (01:00:49):
Now, Brooke, we also had another question Mark wanted to
know do all power companies have net metering?

Speaker 15 (01:00:56):
Can?

Speaker 6 (01:00:56):
In other words, can you sell back to the grid
to all power companies?

Speaker 21 (01:01:02):
In the state of Colorado, net metering is guaranteed, but
each company has restrictions on that. So most co ops
only let you go up to a ten kilowatt system
for net metering, so they restrict the size of the system.
Some of them, like the public ones like black Hills
and Excel, aren't able to restrict that size, but your co.

Speaker 6 (01:01:25):
Ops can, okay, because they don't want too much energy
being that they have to buy.

Speaker 21 (01:01:30):
Basically, yes, yep, I goes down.

Speaker 6 (01:01:36):
What what It's hard to even talk about average houses nowadays,
But let's talk about how many kilowats do you need
for a residence normally, like let's say twenty five hundred
to three thousand square feet. How many kilowats does it
take to run your whole house?

Speaker 7 (01:01:53):
Yeah, but that's even hold on, that's so open ended.
I'm sorry, bricked innerrupt, but that's so open ended too.
How but if they have like uh, you know, multiple
electric cars or they have.

Speaker 6 (01:02:05):
Well, yeah, but what I'm talking about is an average.
Obviously there's an average out there. She's been doing it
long enough, she can tell us about how many kilowats
would it take for a house, an average house.

Speaker 2 (01:02:17):
Yeah.

Speaker 21 (01:02:18):
So typically in town in the metro area, you're looking
at a six kilowatt system on average, and closer you
get to the mountains or the rural areas because you
just typically have you know, barns or detash garages or
other stuff, you're looking at like a ten kilowa system.

Speaker 7 (01:02:35):
But that does that run your AC and everything? Brook,
I mean, that's like all in the intown example. Yeah, yeah, absolutely,
that's incredible.

Speaker 6 (01:02:44):
Actually, it is incredible, and it's there, and again it's
one of the best things we have going for us.

Speaker 8 (01:02:52):
Are these are these solar systems.

Speaker 6 (01:02:54):
Seriously, by the way, Alliance Roof and Solar formerly Red
Rock Roof and sol and so they're still at redrocksars
dot com. Three oh three seven zero four two four
four nine seven zero four two four four nine. Thank
you very much. So on the text front, one said,
you guys are wrong. Someone who's never read into social

(01:03:16):
Security can still collect if their spouse was eligible. Yes,
five this but the spouse worked, so it is a
contributory system. There are no now there somebody else cut
and paste this. Supplemented Supplemental Security Income SSI is needs

(01:03:40):
based program for people sixty five or older and have
limited income or resources. It is not based on work history,
but eligibility is based on financial need.

Speaker 7 (01:03:53):
And h hey, that's what this so furious. On that
spousal benefit too. Some people don't know this. You know,
you get that spousal benefit if you were married ten
years and of course your spouse has it, and generally
it's fifty percent. Maybe if you get a little Social
Security because you work part time or something, it takes
that into effect. But get you basically get half. That's

(01:04:15):
what it comes down to. And if you're married three
times each time for ten years, what happens, do you know, tom.

Speaker 11 (01:04:26):
Wives?

Speaker 7 (01:04:27):
Yes, that's right, that's right. Three wives would get the
exact same benefit. They wouldn't split it by three, They
each get fifty I know your benefit which is absolutely insane.

Speaker 6 (01:04:40):
It is insane, but it actually happens where one guy
can be paying three different wives through a Social Security
even though he only contributed one paycheck. You know or
from one paycheck. Yeah, it really is crazy, but we've
had that come up before where a woman was married
to a guy for ten years got his Social Security then,

(01:05:03):
and of course they have to be eligible at the time.
But one guy had three wives and all three of
them were receiving the spousal benefit because they were married
ten years. Three O three seven one three eight two
five five. Go with a sure thing Denver's Best roofer

(01:05:23):
Excel Roofing dot com. You 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 seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate

(01:05:44):
Man dot com to list your home with Remax Alliance
three all three nine two zero sixteen twenty two. Hi
Tom Martino, you're a troubleshooter. Three O three seven to
one three talk seven one three eight two five five.

Speaker 8 (01:06:01):
So this text, by the way.

Speaker 6 (01:06:04):
We'd prefer you to call, but if you have to text, yes,
we do have the number seven four seven nine nine
nine fifty two eighty.

Speaker 8 (01:06:10):
That's one of them.

Speaker 6 (01:06:11):
Or you can text the short code for iHeart five
seven seven three nine real quick on this one. Okay,
this this comes up, This has come up before. They
claim that with their hail damage, they hired a roofer
recommended by their insurance company and the roofer did a

(01:06:32):
bad job, botched it, And the insurance company says, you
hired them. We simply have a list. So this is
happening more and more. By the way, I'm gonna just
tell you this straight up. Don't hire a roofer based
on your insurance company's recommendation. I can absolutely tell you

(01:06:52):
without any hesitation that insurance companies do not have your
best interests at heart.

Speaker 7 (01:06:58):
I'm sorry, ahead, body shop or a contractor, that's right,
any of them.

Speaker 5 (01:07:04):
You know.

Speaker 6 (01:07:04):
It's one of the few industries that I've talked about.
The only way they make more money is to raise
premiums or deny coverage or short you on coverage.

Speaker 8 (01:07:15):
That think about that.

Speaker 6 (01:07:17):
The entire industry is predicated on shortening their customers. That
is how they become more profitable. And I mean as
an industry. If any industry had to be redone or overhauled.
It would be the insurance industry. That is one industry

(01:07:39):
where I believe it's not a good idea to have stockholders.
I'm not talking about socialism. You don't have to worry
about the big S word or communism. But I am
talking about some system controlled by the government that is
an insurance purely an insurance underwriter, and not a profit
center for a stockholders. Because again, the only way you

(01:08:01):
can please stockholders, the only way, there is no other
way to please stockholders than to deny coverage.

Speaker 8 (01:08:09):
Think about that.

Speaker 5 (01:08:10):
The entire industry.

Speaker 6 (01:08:12):
They can't make money unless they somehow short their claims.
All right, Tom, I hired movers who quoted me thirty
eight hundred. When they showed up, they loaded everything and
said it would be nine grand. And now they won't
deliver myself. How oh god? I mean, how many times

(01:08:33):
can we warn people about movers? How many times? Here's
what I'm going to tell you. The only way to
protect yourself is to hire a national, a real national
moving company like North American Van Lines or Mayflower or Grable,
and work with their local agents. Because each of these people,

(01:08:57):
each of these local movers have affiliations with National Movers.
This one thought they were using one and you know
who it was? The United Express again. Oh yeah, see
United Van Lines is legit. United Express not so legit.
So they even try to name themselves. So they are

(01:09:21):
similar to the national companies. But you really need to
be really careful and do your homework. You can't just
go online and search a name and call the number.
You have to do your due diligence and literally trace
the company to the national company, or call the national company,

(01:09:42):
call them National Van Lines or whichever it is.

Speaker 8 (01:09:47):
Mayflower a global and say.

Speaker 6 (01:09:50):
Who is your local agent in Denver, Colorado, and then
get the number from them. If you do business with
national company with local agents, your chances of being.

Speaker 8 (01:10:03):
Ripped off are way, way, way less.

Speaker 6 (01:10:06):
Again, don't go online, and I'm going to make a
blanket statement, do not hire a moving company out of
South Florida ever. In fact, avoid Florida altogether. And right there,
the universe of ripoffs is diminished by a lot. I'm
Tom Martine. We have more coming up on the Troubleshooter show.
Go with a sure Thing Denver's Best roofer Excel Roofing

(01:10:28):
dot com.

Speaker 5 (01:10:29):
You don't pay a cent until you're content.

Speaker 6 (01:10:34):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three o 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 oh
three nine two zero sixteen twenty two.

Speaker 2 (01:11:02):
News. Who you don't have come?

Speaker 3 (01:11:07):
Runings just as fast as we can. Shooter's gonna help coming, Man.

Speaker 4 (01:11:14):
Dix is the Troubleshooter Show.

Speaker 8 (01:11:17):
No Tom Martino.

Speaker 5 (01:11:19):
Hello, I'm Tom Martino. Welcome to the show. Three oh
three seven one three.

Speaker 8 (01:11:24):
Talk is our number?

Speaker 5 (01:11:25):
Three oh three seven one three eight two five five.
You're esteeming? You see a studio load of.

Speaker 6 (01:11:30):
People there, Mark Major, Mark Major at the main studio.

Speaker 8 (01:11:34):
Who's up? What's up?

Speaker 5 (01:11:35):
Hey?

Speaker 2 (01:11:36):
Man?

Speaker 11 (01:11:36):
Listen?

Speaker 7 (01:11:36):
I forgotten I feel bad for this Veterans Day, in fact,
to my own father. Uh that you know he served
in the Navy. But what I really forgot is right
across from me, Joe Keiano. We've got that movie event
coming up on Thursday six thirty Aurora free movie free
popcorn all that.

Speaker 11 (01:11:55):
We'll talk about that in a second. But I forgot this.

Speaker 7 (01:11:58):
Joe actually got it citizenship by joining the Air Force
way back when, right, Joe. I mean, this is a
great story, that is right.

Speaker 19 (01:12:06):
So I actually you don't want to say thank you
to all my fellow veterans to begin with.

Speaker 18 (01:12:11):
You know, we serve the country. We love America.

Speaker 19 (01:12:14):
And when I came to this country, I came as
a student and I was living with my sister in
small town in Iowa. And then to become a citizen
to stay in this country, I wanted to join the
Air Force because that would I mean, I just wanted
to protect this beautiful country. Yeah, and it provided me
with a pathway to get my citizenship.

Speaker 11 (01:12:35):
Isn't that cool? Tom?

Speaker 6 (01:12:37):
It's very cool? And Joe, what did you do in
the Air Force?

Speaker 19 (01:12:40):
You won't believe this, Tom, I was no not annuities yet.

Speaker 8 (01:12:47):
I was a cook for really.

Speaker 19 (01:12:50):
I was in the mess hall and I was in
the administration of the mess hall.

Speaker 5 (01:12:55):
Wow.

Speaker 7 (01:12:55):
He said he was stationed for a long I loved
to cook in Montana, Gray False Motown.

Speaker 5 (01:13:01):
And when he.

Speaker 7 (01:13:01):
Showed up there the first week or whatever, with wind chill,
listen to this man negative sixty.

Speaker 18 (01:13:10):
If you spit Tom your psychobeachs delce.

Speaker 7 (01:13:15):
That's incredible. How long did it take you out of
curiosity to get your citizenship? From what? From joining till what?

Speaker 18 (01:13:24):
Four years? When I was honorably discharged?

Speaker 11 (01:13:26):
That's it? So soon as you get honored. Do you
like that pathway?

Speaker 18 (01:13:31):
I loved it.

Speaker 7 (01:13:31):
I mean, you came from Mexico, Your family was in
Mexico City, in Mexico City, in fact, you go back there.
I talked to you a lot you're there. Let me
ask you this, honestly, does it drive you crazy? Or
you've got no problem? But since you went through a
legal pathway and served for this country and basically pledged
your allegiance to this country, does it drive you nuts

(01:13:53):
when the border was wide open?

Speaker 19 (01:13:54):
Oh my gosh, Mark, this is a real source subject
for me. You love this country and I can't believe
that there's people that are totally illegal here taking advantage
over a country. I mean, we're feeding them, we're giving
them benefits, hotel, getting money hotel. My wife and I
went to the Outback about a year ago. You know

(01:14:16):
the restaurant, Yeah, yeah, and we couldn't get in because
there's an Oh, we're we're expecting a big crowd. All
of a sudden we see a bus. A bus came.
It came right there and parked on the parking lot
of the outback, and illegal people got off the bus
free governor credit cards, you buy their meal at the outback,

(01:14:38):
So we couldn't get in.

Speaker 11 (01:14:40):
That's insane. Well, so you're not getting in is one thing.

Speaker 7 (01:14:43):
But what I can you imagine you break into the
country and most of them ended up in New York
at first. That's where they'd eventually hand you a credit
card and a bus ticket or fly you to either
Colorado or any of the sanctuary cities. It's absolute nuts, man,
I mean it's kind of crazy. Do you think Tom,
most people, most immigrants that did it the right way,

(01:15:07):
feel that same way as Joe.

Speaker 6 (01:15:09):
I would say, yes, well, I think most people do
in general. I mean, I don't think is there anyone
that truly wants people and he proved it his name was.
I think I think they turn a blind eye to it.
But do they would they actually come out?

Speaker 7 (01:15:27):
They wanted the votes, They wanted to put enough people
in certain areas to where eventually they would turn into votes.

Speaker 6 (01:15:35):
But do you think anyone would admit, yes, come into
the country illegally, We don't mind.

Speaker 11 (01:15:40):
Yeah, of course you do.

Speaker 2 (01:15:42):
Yeah.

Speaker 7 (01:15:42):
I mean there's any kind of big majority or anything.
But what do you guys say? I don't think if
you want to come to this country, you got to
be legal.

Speaker 5 (01:15:51):
No.

Speaker 7 (01:15:51):
But heep're saying, Tom's asking you the question, do you
think there's people in this country legally that are politicians
or politicians that literally think anybody should be able to
come in at anytime?

Speaker 18 (01:16:03):
Well, we had before.

Speaker 6 (01:16:05):
In other words, do they believe do they truly believe
in open borders or do they simply turn a blind eye?

Speaker 8 (01:16:11):
There's a there's a difference.

Speaker 6 (01:16:13):
Would would a politician ever come out and say, yes,
anyone should be able to enter at any time period?

Speaker 7 (01:16:20):
We have politicians that say that right now. Most of
them stem from New York.

Speaker 6 (01:16:26):
In any case, I know we've had mayors around the country,
including our own, who said they would fight any attempt
that was to remove illegal immigrants.

Speaker 7 (01:16:37):
Yeah, mayor Mike, it's like going to go to fisticuffs
with people.

Speaker 8 (01:16:41):
No, they would literally fight it.

Speaker 7 (01:16:42):
Now, well, I want to say one more thing, about Denver.
It's kind of funny that back in the day, you know,
they had buses there during Biden showing up with migrants
just every day here. We all know this, and they were,
you know, on the trough. So think what you want
about it. It was a reality, that's what was going on.
You realize, going back like maybe fourteen fifteen years, we

(01:17:06):
had a Democratic mayor Hickenlooper that would give one way
bus tickets to homeless and to people that were living
off this system to California one way tickets. Man, that
would be so frowned upon now it's crazy.

Speaker 6 (01:17:21):
I got a text here about Social Security survivor benefits,
and this one I'm just going to summarize it says,
I know a guy collecting Social Security on his wife's
benefit and he's eligible, but he's not taking his till seventy,
so he's allowing his to grow until he turned seventy.
But in the meantime he's taken his wife's survival benefits.

(01:17:45):
And how does that work? He said, Well, here's what
it is. A survivor's benefit is one hundred percent of
your spouse's retirement. Once you reach full retirement age, you
get we said fifty percent, but you get half of
excuse me, not half. You get the entire check. So

(01:18:07):
if you're at full retirement age and you had a
spouse who earned Social Security who deceased, you still get there.

Speaker 8 (01:18:15):
You get their entire benefit.

Speaker 11 (01:18:17):
I don't think that's right. Are you sure about that?

Speaker 2 (01:18:20):
Well?

Speaker 6 (01:18:20):
I'm looking it up here on the site, and it
says survivor's benefits getting payments based on late wife's earnings
and he when he turns seventy he plans to get
his own. And this one says you can get one
hundred percent of the benefit as a survivor. Exactly how Here,
here's what it says. If your spouse dies and had

(01:18:42):
enough Social Security work credits, you're eligible for survivor's benefits
at age. At full retirement age, you get one hundred
percent of the spouse's benefit. At age sixty, if you
want to do it early, you can get seventy one
point five percent, And if you are between sixty and

(01:19:04):
full retirement age, you get a sliding scale of seventy
one to ninety nine percent, so age fifty. If you're disabled,
you get seventy one percent. If you're caring for a child. Yeah,
I see, under sixteen you get seven, So no, mark,
do you get one hundred percent as a survivor one

(01:19:24):
dred percent?

Speaker 7 (01:19:25):
That's not I'm reading Spousal benefits also called spousal benefits
under Social Security maximum spousal benefit up to fifty percent
of your spouse's PIA if claimed at your FRA whatever
the hell that means full retirement age, typically aged sixty seven.
The highest possible in twenty twenty five for spousal benefits

(01:19:47):
is two thousand nine dollars per month, So that's fifty percent.

Speaker 8 (01:19:53):
Well, okay, I.

Speaker 5 (01:19:55):
Then we're reading two different sources because.

Speaker 11 (01:19:57):
I wonder who who could we ask?

Speaker 5 (01:19:59):
Who would know?

Speaker 11 (01:19:59):
Like maybe Eric Rhinomeure, who would know?

Speaker 5 (01:20:02):
You know, you know what, let's think I actually don't know.

Speaker 6 (01:20:07):
I'm on AI right now where it's talking about at
your full retirement age, you get one hundred percent of
your spouse's benefit. Now are you looking at a survival
benefit or just a spouse benefit?

Speaker 7 (01:20:19):
I was looking at spousal but now that I scrolled down,
it says, however, when your spouse dies, you may qualify
for survivor benefits right, also called widowers benefits.

Speaker 6 (01:20:32):
Yes, and those survivor benefits. So when your spouse is alive,
that's when you get fifty percent.

Speaker 11 (01:20:40):
Well that doesn't make sense.

Speaker 5 (01:20:42):
Well, okay, I do know this for sure.

Speaker 6 (01:20:45):
You get one hundred percent at full retirement age of
your dead spouse of deceased benefits. You get one hundred
percent of the deceased spouse benefit.

Speaker 5 (01:20:56):
Look it up.

Speaker 11 (01:20:57):
Or if you're not at if they're not at retirement age.

Speaker 7 (01:21:00):
So like like if Suzanne, if I died, Suzanne would
get fifty percent of my just I don't even know
how that works. I just brought up too many questions.
If I died, now, what happens? Does she get fifty
percent of what I would have got when I was
sixty five? How the hell's that work?

Speaker 5 (01:21:20):
That's a good question, I mean it is.

Speaker 6 (01:21:23):
I mean, I think a lot of people are confused
about Social Security. We need to get someone really familiar
with Social Security. Because I have another guy texting me
who said that he is getting his wife's full spousal
of fit when she deceased, he and she he did,
He's getting one hundred percent of her check right now.

Speaker 7 (01:21:45):
So do you think Sullivan, Sullivan and maguire would know
this who do you know that would really know this system?

Speaker 6 (01:21:53):
What we can start with at LIS and see if
they have anyone who knows it? Yeah, maybe aren't there.
Let's find out. We'll take a break and see if
anyone wants to call in. They can, of course, because
we'd like to know about spousal benefits. And is it
different if the spouse is dead or the spouse is alive.

Speaker 8 (01:22:14):
I believe the spouse is alive.

Speaker 6 (01:22:17):
The I don't think his wife gets anything right or
is her husband?

Speaker 5 (01:22:21):
We'll figure that out. Coming up, I'm Tom Martine.

Speaker 6 (01:22:29):
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. In comparison,
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of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only

(01:22:50):
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 5 (01:23:01):
Okay, I'm going to try to simplify this. I'm Tom Martinez.

Speaker 6 (01:23:03):
We'll bring up Eric Reinemer from Atlasfirms dot Com and
Atlas CPAs and Advisors. I just want to make this clear,
we have two different conditions. Under every condition, the spouse
in question must be at full retirement age or must

(01:23:26):
have reached full retirement age for the benefit to kick in.
If they die before full retirement age, the spouse still
can get benefits, but they the spouse has to be
at full retirement age as well. So let me just
put it to this way, and then I'll ask Eric
to verify. Let's talk about just normal spousal benefits. The

(01:23:47):
way I'm reading it is when your spouse gets full
retirement age and starts receiving a benefit, and then the
wife or husband reaches full retirement age, they get fifty
percent of their spouse's benefit or their own, whichever is more.

Speaker 5 (01:24:06):
Is that right, Eric?

Speaker 12 (01:24:08):
That is right, And I can speak to it very
specifically because my wife and I did this exact thing.

Speaker 6 (01:24:16):
Okay, So upon full retirement age, you get your benefit,
and your wife, so long as she's at full retirement age,
gets fifty percent of your benefit.

Speaker 5 (01:24:27):
Is that correct?

Speaker 12 (01:24:29):
That is correct?

Speaker 6 (01:24:30):
So so you're getting one hundred and fifty percent of
the benefit fifty percent that the other fifty percent goes
to her.

Speaker 8 (01:24:37):
Now, if you're deceased.

Speaker 6 (01:24:41):
And your wife gets to full retirement age, she gets
one hundred percent of your benefit.

Speaker 12 (01:24:46):
That's correct?

Speaker 7 (01:24:47):
Now, hold on, hold on, I got a big question
here if someone Eric, If someone turns full retirement in
their single and they turn sixty seven, and let's say
they're getting five grand amnth social Security and they marry
a week later, are they getting seventy five hundred?

Speaker 15 (01:25:04):
Now?

Speaker 12 (01:25:05):
No, there's time constraints in there. You have to be
married X amount of time. I don't know what that
like this.

Speaker 6 (01:25:11):
You can't just yeah, yeah, you can't just marry and
get their benefit.

Speaker 12 (01:25:18):
No, there's REGs in there about the length of time
you have to be married. Otherwise everybody would gain the system.

Speaker 8 (01:25:26):
Now, Jan, what is your comment?

Speaker 5 (01:25:28):
Go ahead? Jan?

Speaker 13 (01:25:31):
Yeah, yeah, I went through this.

Speaker 17 (01:25:36):
I was divorced.

Speaker 13 (01:25:39):
Quite a while back, and my ex and we were married,
you know, more than ten years, and when my ex
hit her normal retirement age, she was able to apply
and get spousal benefits from my Social Security. I wasn't.
I was waiting till I turned seventy to take uity benefits.

(01:26:01):
But in the meantime, I got engaged, and what I
learned was that my soon to be spouse, as long
as we were married a year before she becomes eligible
for Social Security, then when she when she becomes eligible

(01:26:23):
at sixty two, she can start to draw it, or
she can wait till her normal retirement agent sixty seven.

Speaker 11 (01:26:29):
That's exactly what I'm reading. That's exactly right.

Speaker 13 (01:26:32):
Mark alluded to this earlier. So at sixty seven she
would get fifty percent of what I would have gotten
at my normal retirement age at sixty five, right, right.

Speaker 6 (01:26:45):
And or she that's only if your fifty percent is
more than she's getting.

Speaker 13 (01:26:52):
Correct, yes, correct.

Speaker 11 (01:26:54):
And the widow word, punch, widow word.

Speaker 7 (01:26:57):
There's survivor benefits for the widower hundred percent nine months
of marriage before the spouse died.

Speaker 6 (01:27:08):
So okay. So therefore a woman who or a man,
if their spouse dies, they get one hundred percent of
their benefit.

Speaker 11 (01:27:23):
If they've been married for nine months, thank you very much.

Speaker 8 (01:27:31):
Right, thank you.

Speaker 6 (01:27:32):
And so that's nine months prior to death or a
year before she becomes eligible for regular spousal benefits.

Speaker 7 (01:27:40):
And then the last one is the divorced spouse benefits.
And that's where we go all the way to the
start of the conversation. Someone, you're alive or you die,
and your first wife or second wife or whatever you
were married to for ten years, they will receive fifty
percent benefits when you pass, Yes, Eric, reinhem or anything

(01:28:02):
else to add.

Speaker 12 (01:28:04):
Well, just it can't get complicated with the divorce or
the second spousing. But in general, Oh, my wife and
I did the exact same thing. So it's a very
cool thing that people need to be tuned into.

Speaker 8 (01:28:18):
Absolutely.

Speaker 6 (01:28:19):
So remember now with Social Security to recap if you
have two situations, one where the spouse dies, one where.

Speaker 8 (01:28:28):
The spouse is still alive.

Speaker 6 (01:28:29):
Where the spouse is still alive, the earning spouse the
other spouse gets fifty percent at full retirement age.

Speaker 8 (01:28:38):
Now, in the case where the spouse dies.

Speaker 6 (01:28:42):
The non earning spouse gets one hundred percent of the
benefit if.

Speaker 7 (01:28:48):
They go married nine months prior prior. That's right, And Eric,
I've got one more question. I'm sure you've dealt with
this on tax returns. If like, if I get five
thousand a month in Social Security full retirement age and
my wife had a para plan something other than Social Security.

(01:29:08):
Does she still get fifty percent of my Social Security
and her para?

Speaker 5 (01:29:16):
Yes?

Speaker 12 (01:29:16):
I think the Social Security rigs should rule. And there's
been some recent changes whereby even people on PARA they're
now getting their back social Security, So I think yes,
they would get both.

Speaker 5 (01:29:28):
God, that's amazing.

Speaker 12 (01:29:30):
Yeah.

Speaker 8 (01:29:32):
Yeah, and one of the reasons why it's going broke.

Speaker 17 (01:29:36):
Wow.

Speaker 5 (01:29:36):
Yeah, that's a whole different argument.

Speaker 12 (01:29:38):
Yeah, that's a whole other conversation anyway.

Speaker 6 (01:29:42):
Atlas Firms dot com, accountants and business strategists, your partner
in business three h three seven nine nine nine one
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(01:30:02):
Excel Roofing dot com.

Speaker 5 (01:30:04):
You don't pay a cent until you're content.

Speaker 6 (01:30:09):
Time for an insurance checkup 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 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. Hi, Tom Martino,

(01:30:35):
you're a troubleshooter three O three seven to one three
talk seven one three eight two five five. So I
think that we sufficiently exhausted that topic. On survivor benefits,
there's there's a spousal benefit, which is not a survivor benefit.
That's a spousal benefit where they get fifty percent of
your benefit when they're at full retirement age. That's at

(01:30:58):
fifty percent of your benefit and or theirs, whichever is most.
Then the survivor benefit they get one hundred percent of
your benefit once at full retirement age one hundred percent,
But you have to be married a certain amount of.

Speaker 5 (01:31:13):
Time and all of that. So let's talk about something else.

Speaker 6 (01:31:17):
I was just texted something that sounds weird, and they
believe it's a home buyer scam that people are pretending
to be interested in your home. They literally get the
number posing as a real estate person. They get to
number to your lock box or access to the home,
and they steal have you heard about this? So it's

(01:31:42):
a fake home buyer scheme. So what they're doing is
pretending to want to buy your home and then once inside,
Now don't don't most don't Most real estate people when
they list a home have a representative mark. When you've
looked at homes, did you have the seller's agent there

(01:32:05):
or was it just you and your buyer's agent both both.

Speaker 11 (01:32:10):
It really depends what I learned.

Speaker 7 (01:32:14):
Like and I can just talk about recently in Louisiana,
if the house was over, if the house cost a lot,
generally the other person would be there. Plus they want
to make sure you can actually afford the house. Other
than that, if it's under a million bucks or whatever,
generally it would just be Susanne and myself and our agent.

Speaker 6 (01:32:35):
Okay, So again just to beware people when you have
your home for sale, you got to make sure you're
your agent or you're broker that your home is protected
sufficiently when strangers come to look at it unless they
know the real estate person. You know, if you have
a good reputation in town and you're a legit real

(01:32:56):
estate person, obviously you're going to bring legit buy.

Speaker 7 (01:33:00):
And I think that like Frank is going to make
sure it's a qualified buyer. So he's going to actually
have a name probably I don't know if he'd have
the entire social but he would have access to it.
And the other thing is I mean you've sold some
properties recently.

Speaker 11 (01:33:15):
I mean, don't you have cameras everywhere in your house?

Speaker 5 (01:33:17):
I do? Yeah?

Speaker 8 (01:33:19):
Yeah, But what good is that going to do if
something is stolen? Truly?

Speaker 6 (01:33:23):
I mean, you know, police aren't going to take the
time to look at that camera and try to go
after them.

Speaker 11 (01:33:27):
No, I agree with you.

Speaker 7 (01:33:28):
But if you know who they are, because you have
a good real estate person like Frank, you're going to
know exactly who took it.

Speaker 8 (01:33:36):
Okay, here's one.

Speaker 6 (01:33:38):
I bought a two thousand dollars refrigerator less than a
year ago.

Speaker 8 (01:33:42):
It stopped cooling.

Speaker 6 (01:33:44):
The manufacturer says, take it back to the retailer. The
retailer says, it's a manufacturer's problem with the warranty.

Speaker 8 (01:33:51):
I need to get this thing done.

Speaker 5 (01:33:53):
So that's an easy one.

Speaker 6 (01:33:55):
I mean, it's if it's under warranty. It's under warranty.
But you have to find here's the problem. You have
to find an approved warranty repair shop or someone who
knows how to deal with the manufacturer, because even if
something is under warranty, they're not necessarily required to have
somebody in your town to fix it. It's really strange.

(01:34:16):
It's a strange situation that happens. So one thing that
we always ask is where's the manufacturer's representative for repairs
when we're looking to buy stuff. I'm serious, now, the
retailer many times, if it's a year or less, we'll
take it back and exchange it for another one and
they will send it back to the manufacturer for you.

Speaker 8 (01:34:38):
So it's good to clarify that. Now.

Speaker 5 (01:34:41):
Best Buy is really good at clarifying it.

Speaker 6 (01:34:43):
They'll tell you, Oh, if anything goes wrong in the
first year, do this, or if anything goes wrong after this,
do this, and they'll tell you. Because I was shopping
recently for a washer dryer combo, we did and by
the way, that turns, that's a great thing we did.

Speaker 8 (01:35:01):
And I don't know how.

Speaker 5 (01:35:02):
I don't know how the technology works, but it's amazing.

Speaker 8 (01:35:04):
Anyway, they were good.

Speaker 11 (01:35:06):
Well, what do you mean.

Speaker 6 (01:35:08):
First of all, the best Buy was great at answering
those questions. Now getting back to what we bought, Mark,
the technology is incredible.

Speaker 8 (01:35:16):
Here's what it is.

Speaker 6 (01:35:18):
We were looking for an all in one and we
were looking I was looking for something that did dry
cleaning and steam cleaning, so I could put sweaters and
stuff in there and dress slacks. Okay, so what's amazing
about this. It doesn't work on a heating element for
the dryer anymore. The dryers have heating elements or their gas,

(01:35:40):
they have burners.

Speaker 8 (01:35:41):
This works on a heat pump.

Speaker 17 (01:35:44):
Oh.

Speaker 5 (01:35:45):
Now that means now.

Speaker 6 (01:35:47):
Listen, this is what's so incredible. There's no venting, and
there's no uh. There's an ordinary outlet. So it plugs
into an ordinary outlet and there's no venting. It literally
sits there. You can wash and dry and there's no
you don't have to do anything. There's no venting. I

(01:36:08):
don't know how that works. It heats up with a
heat pump and it dries your clothes all in that
tumbler without venting, and it plugs into a regular outlet.
So we were able to get rid of a washer
and dryer and have one unit. It's not substantially higher
than a regular unit, just a little higher, and it

(01:36:30):
plugs into a regular outlet. We did away with the UH,
with the venting, and we did it. We don't even
use the dryer plug anymore. We just use a regular plug.

Speaker 5 (01:36:40):
And the damn thing has heat pump technology on.

Speaker 7 (01:36:44):
So you throw, you open the door and you throw
in the dirty clothes and you tell it what it is,
slax or underwear, whatever, and then that's it.

Speaker 11 (01:36:54):
You don't ever open that door again until.

Speaker 6 (01:36:56):
It's done right, and it texts you along the way.

Speaker 7 (01:37:00):
What's it called? I'm looking at different ones, bespoke, spokee.
It's Samsung. I just saw it and it's incredible. It
was about nineteen hundred dollars.

Speaker 1 (01:37:11):
That's what it waves here at home depot yep. And
again it's yeah ventless. That's the part I don't understand.
But that's because it's not creating.

Speaker 7 (01:37:23):
How long does it take if you're not doing anything fancy,
You're not trying to dry clean, you're just throwing in
whatever T shirt stuff like that my wardrobe?

Speaker 8 (01:37:32):
How long does that generally take about two hours?

Speaker 2 (01:37:37):
Oh?

Speaker 5 (01:37:37):
Okay, so it takes about just as long.

Speaker 6 (01:37:41):
Oh for sure, it takes as long, if not a
little longer, because it's got to drain out and do
the transition to the drying cycle. And then what I
really love is if you have a sweater, you can
put a sweater in there, and you can put it
on a steam sanitized cycle and it comes out like
a eye cleaner.

Speaker 7 (01:38:00):
Did you put it in the house you're in right now,
not the studio house here, it's that Stephanie. If you
did put it in there, it just made me think
of this, what do you do with that big empty
space next to it that almost every house in the
world has.

Speaker 5 (01:38:14):
You're absolutely right.

Speaker 6 (01:38:16):
So what we did at Stephanie's is we put in
so we have the bespoke. Where the washer was, where
the dryer was was nothing, and we wanted to cover
up that part of the wall that had a vent
in it and a big dryer plug. So we put
up like a cabinet to hold stuff. And you know,
she did it decoratively, she didn't just put up a tab.

Speaker 7 (01:38:38):
But it's really cool. How far is that? Just out
of curiosity from your garage?

Speaker 8 (01:38:44):
Oh, for the car, I thought of the same thing.

Speaker 6 (01:38:47):
Now you can use that for your but it's it's
pretty far. Because I do plan on getting an electric car,
and in fact, I thought of that very same thing.
I'd have to run it out the window because it's
down in the basement. I you know, I really will
eventually get an electric car, and I was talking about

(01:39:07):
putting in one of these chargers, and we're just gonna
have to go from the circuit box which is in
the garage there. It'd be the long way around to
try to do what makes sense.

Speaker 7 (01:39:19):
Yeah, it would make sase at all if you do
a good fifty amp. I mean, you know how thick
those cables are. They're crazy.

Speaker 8 (01:39:25):
By the way.

Speaker 6 (01:39:26):
Coming back, we'll talk more about this seminar that we
have coming up. And then Deputy Bow wants to have
the seminar. I meant, I meant the movie Event Free Move. Uh, well,
we'll talk about that. And then Aaron an issue with
a metal building. Deputy Bow's working with him. All of
that right after this, go with a sure thing Denver's

(01:39:51):
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. 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.

Speaker 5 (01:40:09):
Help.

Speaker 6 (01:40:09):
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 5 (01:40:25):
All right, I'm.

Speaker 6 (01:40:26):
Tom Martino Mark give a rundown of the movie event
coming up, and then we'll go to Deputy Bow.

Speaker 11 (01:40:33):
I can't wait for it.

Speaker 7 (01:40:34):
Listen, it's gonna be two days from now, Thursday, six
thirty out in Aurora. Sit the AMC dine in It's Southlands.
I mean, it's that mall up there. It's a pretty
cool place. We're gonna buy the popcorn. We're gonna buy uh,
the drinks, the sodas, and you're gonna see a movie.
And please google it right now, the Baby Boomer Dilemma

(01:40:56):
for free. I guarantee we're gonna have a full house.
I have no doubt about that. So get signed up now,
I mean really, go to mymoneymovie dot com.

Speaker 11 (01:41:06):
Just get signed up. It's one hundred percent free.

Speaker 7 (01:41:09):
Only take second, you don't have to put in a
credit card or any crap like that.

Speaker 11 (01:41:12):
It's a free movie.

Speaker 7 (01:41:13):
Suzanna and iob out there the guys from Become the
Banker and the movie well, once again, just google it,
Baby Boomer, Tom watch the trailer.

Speaker 5 (01:41:23):
Okay, Deputy Bow tell us about this follow up.

Speaker 11 (01:41:28):
When was this call from bo yesterday?

Speaker 22 (01:41:31):
His name is Aaron Call.

Speaker 6 (01:41:33):
Okay, yes, Bill, he hired a contractor, Kellen Vance Advance
Metal Buildings with a concrete slab. He ordered it, the
contractor has been delaying. He paid thirty percent down and
which was twenty four grand. The contractor has cancer. My

(01:41:54):
heart goes out to him, trust me on that. But
Aaron said, look, I don't want to go true this.
I just want my money back. So what's going on?

Speaker 2 (01:42:04):
Right?

Speaker 22 (01:42:05):
And also he never Kellen Dvance, the owner of Dvanced
Metal Buildings, never pulled any permits. I was persistent. I
made great phone calls, sent several emails, mentioned the Contractors
Trust Act. All they wanted to have to have is
a conversation with Kellen Vance. And he's just ghosted me.

(01:42:30):
And he's not calling Aaron back either. Aaron just wants
to get us twenty four thousand dollars back so he
can go with another company. And I refer to him
over to the Great Westerns on our referral list, and
he's contacting them today. But the bottom line is, I
think our listeners need to be warned of advanced metal

(01:42:52):
buildings now here.

Speaker 6 (01:42:54):
Here's the deal. If Kellen Vance is going through cancer
right now, he's preoccupied. But but you're right, there's no
reason why he can't attend to business or at least
make a phone call or something. Did you did anyone
answer the phone at all?

Speaker 22 (01:43:14):
On my first contact? I never really tell people who
I am. I kind of pretend I'm a customer. He
tested me right back, and he says, I'm very interested
at taking care of your needs. So then when I
call back the.

Speaker 2 (01:43:28):
Second and third time, I told him who.

Speaker 9 (01:43:30):
I was, and then I got ghosted.

Speaker 5 (01:43:32):
So I don't know.

Speaker 6 (01:43:32):
Okay, okay, yeah, that doesn't That doesn't bode well when
something like that happens, when he hears about where you're
from and then ghosts you, that doesn't work well at all.

Speaker 5 (01:43:44):
Yeah.

Speaker 6 (01:43:45):
Okay, what I got a trivia question for you guys?
What is a certified used car?

Speaker 8 (01:43:52):
Does anyone know?

Speaker 2 (01:43:55):
What?

Speaker 6 (01:43:55):
Do you?

Speaker 8 (01:43:55):
What do you think it is?

Speaker 6 (01:43:56):
Bo? I mean, I'm d I'm sorry, Yd? What do
you think it is? Well?

Speaker 2 (01:44:01):
Tom?

Speaker 20 (01:44:01):
Based the previous experience, it's a type of use vehicle
that the dealers sell and they certify that it passed
like an extra rigorous in specially exactly, and.

Speaker 5 (01:44:11):
Then they apply some sort of an almost a.

Speaker 20 (01:44:13):
Clone of a factory warranty to it, so it doesn't
now the warranty, but.

Speaker 8 (01:44:18):
The model, not the model.

Speaker 6 (01:44:20):
But the lesson here is that certified is whatever the dealer.

Speaker 8 (01:44:24):
Tells you it is.

Speaker 6 (01:44:25):
I mean, in other words, a certified car from one
dealer is not exactly the same as a certified car
from another. It's not like new, new is new, New
has a factory warranty. New is new, right, and in
Colorado new is up to fourteen hundred miles. I believe
certified is whatever the dealer wants it to be.

Speaker 8 (01:44:44):
This guy bought a certified use.

Speaker 6 (01:44:47):
Car and now he can't get something fixed that he
said should be fixed.

Speaker 8 (01:44:51):
They said it's not covered. Again.

Speaker 6 (01:44:54):
The problem with certification is there is no legal term
for certified. There is no Hey, I got a certified car,
and you know exactly what it is. Okay, I'm glad
that this one person emailed me before the before they
did this. But there they just talked to a kitchen

(01:45:15):
remodeler who wants twelve thousand dollars down and he could
give no good reason, and I say, do not do it.

Speaker 8 (01:45:24):
It's that simple.

Speaker 6 (01:45:25):
Do not do it, and you're just gonna save yourself
some some hassles. Okay, we got another couple of hours
coming up three or excuse me, another hour coming up
on the Troubleshooter Show. Get your calls in if you
have any If you have a problem, question in Clay
three oh three Martino three oh three six two seven
eight four sixty six or three oh three seven one

(01:45:50):
three talks seven one three eight two five five.

Speaker 8 (01:45:53):
We'll be back right after this.

Speaker 6 (01:45:55):
Save all your problems for us. Go with a sure
thing Denver's Best roofer Excel Roofing dot com.

Speaker 5 (01:46:08):
You don't pay a cent until you're content.

Speaker 6 (01:46:11):
Three Time for an insurance check up free, no obligation
comparison call Compass Insurance. Pay 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 when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three

(01:46:32):
oh three nine two zero sixteen twenty two.

Speaker 5 (01:46:42):
You need advise you don't have.

Speaker 3 (01:46:47):
Come running as fast as we can show Shooter's gonna help.

Speaker 2 (01:46:53):
Come.

Speaker 4 (01:46:55):
This is the Troubleshooter Show. No Tom Martinez, Welcome my
friends to the only show. But it's kin We got
a lot cooking today.

Speaker 7 (01:47:03):
We've been bouncing all over different subjects, but let's not
forget what we do.

Speaker 11 (01:47:07):
If you need help, I want to hear from you
right now.

Speaker 7 (01:47:10):
I want to help somebody that's been ripped off, or
at least someone to tell us about a bad contractor
a bad landlord, a bad doctor, a bad attorney.

Speaker 11 (01:47:19):
We don't care. We get directly involved in your life.

Speaker 5 (01:47:22):
Listen to this.

Speaker 7 (01:47:23):
Over three hundred million dollars cash, merchandise exchanges refunds.

Speaker 11 (01:47:28):
Directly due to this show.

Speaker 7 (01:47:30):
And I don't even have to put a dollar amount
on all the advice you have heard over a forty
five year stretch on the Troubleshooter Show that you didn't
fall victim to some scumbag. I don't even know how
you add that part up, because that's way more than
three hundred million. That three hundred million is money that
we can justify coming in on cash or refunds or services.

(01:47:54):
That's just the way it works. So here's the bottom line.
You got a problem. Three h three Martino, three zero
three Martino. I know Tom likes pushing, he loves pushing
that text number. Here's what I say. I can help
you better if you call it simple as that. I
need to hear your voice. I got a feel for you. Plus,
it's a radio show, not a texting show. Three zero

(01:48:17):
three Martino, three oh three Martino. You can always email
us so at help at troubleshooter dot com. I even
check those during the show, and what we can do
is reach back out to you. I had two through
help at troubleshooter dot com today and one of them
was like, where should I buy an RV? Literally, a
guy asked me that, and I gave him some ideas.

(01:48:41):
A lot of the RV companies around we used to
actually advertise for Lazy Days and we advertise for Century RV.
A lot of them got gobbled up. So I mean,
I don't know what else say. I just don't really
trust them that much anymore. Three three seven one, three
eight two five five. By the way, I got Deputy

(01:49:01):
Scott in Deputy Dollar, I got Chopper. And then we
have got our guest, Jordan Keano. In fact, Jordan, his father, Joe,
and myself are doing a movie event coming up on Thursday.
It's one hundred percent free. We'll talk about that a little.
And then we have, of course dragging on the other side,
Kelly answering your phones.

Speaker 11 (01:49:20):
Paul, what is going on with you?

Speaker 5 (01:49:22):
Man? Paul?

Speaker 2 (01:49:27):
I'm okay there. You are a longtime listener. You helped me.
Tom helped me about fifteen years ago with the problem.
I'm a contractor, and what I have recently is, you know,
sometimes you have these homeowners who who just refused to
pay towards the end of a job. They find it
easy to know, just feel like they've paid enough. But anyway,

(01:49:50):
so what do you do in a case like that?
I know they're small.

Speaker 11 (01:49:53):
Class, So so Paul, what kind of work do you do?
What is your what do you do for a living?

Speaker 2 (01:50:00):
I was a concrete and a stucco contractor for probably
over twenty years, but recently, in the last ten years,
I just studer to just building building homes.

Speaker 11 (01:50:10):
So you're doing custom homes or are you like the framer?

Speaker 2 (01:50:13):
Yes, I do know. I'm the builder builder.

Speaker 11 (01:50:17):
That's interesting.

Speaker 2 (01:50:18):
You warrant yet I put the bids, I buy the land,
I do it from the ground out.

Speaker 11 (01:50:23):
I've got I've actually got everything.

Speaker 7 (01:50:25):
So I've got some questions for you, because generally a
custom home builder they're going to have their client go
through basically a bank and do a building loan, and
then you're going to get paid as you get to
certain monuments of the building process. So how do you
typically do it and how did you end up not

(01:50:46):
getting paid?

Speaker 2 (01:50:48):
Okay? So I typically do it on a big job,
I do a contract and we get paid, you know,
and increment and things like that. That's not usually where
my problem, well, my problems lie is those little in
between small jobs that we well, do you have.

Speaker 11 (01:51:03):
One you're dealing with? What do you have one you're
dealing with right now?

Speaker 2 (01:51:08):
Yes, I have one that I'm dealing with.

Speaker 11 (01:51:09):
And what was that job? I assume it wasn't an
entire house.

Speaker 2 (01:51:14):
I know it was a detatched custom garage.

Speaker 7 (01:51:17):
Okay, And Levey, I just want people to understand out there,
when you when you engage with a custom home builder,
it's pretty hard to screw the home builder. That's why
I was really questioning Paul, because he simply doesn't have
to go to closing and convert it over.

Speaker 11 (01:51:31):
I mean, there's.

Speaker 7 (01:51:32):
Lots of outs for the home builder if they know
what they're doing and writing the contracts, right, But you
did a garage? How much was the total project one?
Hundred thousand and fifty thousand.

Speaker 2 (01:51:42):
Eighty it was eighty five thousand dollars, and then all
the little extras that you know, people add on extras.
And the biggest mistake that home homeowners do is they
don't they think all these other little things that you
do for them are just kind of freebe Then, well,
you do it, but don't you do change orders?

Speaker 6 (01:52:02):
No?

Speaker 2 (01:52:02):
I didn't do change orders. And that's what I was
about to explain on this job because I had worked
for this client before. We had zero problems and everything,
so we were we were kind of like on a
you know, pal kind of thing.

Speaker 11 (01:52:14):
When did you finish the job?

Speaker 2 (01:52:18):
I finished the job early this spring, and then I
went back to do something.

Speaker 7 (01:52:23):
Yeah, but what when did you finish it? Give me
a real date.

Speaker 2 (01:52:29):
May may have this year.

Speaker 7 (01:52:31):
You've lost your right to actually place a lien on
the property.

Speaker 5 (01:52:35):
That would have been the easiest thing.

Speaker 2 (01:52:38):
Well, I did put a lean on the property, but
you didn't.

Speaker 11 (01:52:41):
Take Did you not take them to court?

Speaker 2 (01:52:45):
No? I haven't. I haven't been to court on that.
I now a question on the lean is I did
go back about a month ago when we just couldn't
We went back and forth about you know, the money
that was owed and I still had tools and things there.
Did the lien extend up until the last time I
picked up my stuff?

Speaker 7 (01:53:04):
Well, basically you did you send a ten day notice?
Let's just start there. Yeah, so you sent the ten
day notice. So from the time you last work there
and from the time you filed the lean, it had
to be within four months.

Speaker 11 (01:53:18):
Was it within the four months?

Speaker 2 (01:53:20):
Yeah?

Speaker 7 (01:53:21):
Okay, then what you have to do to basically did
you file any extensions?

Speaker 5 (01:53:26):
Let me ask you that.

Speaker 2 (01:53:28):
I haven't filed any extensions.

Speaker 7 (01:53:30):
Okay, so you have you have hold on here. It's
to me it sounds like you passed your deadline. But
you have six months after the last work or materials
that were done on the property. You have basically six
months from there to file the lawsuit and uh serve them.

(01:53:52):
So did you do that?

Speaker 2 (01:53:55):
No? I haven't done that.

Speaker 7 (01:53:56):
So there that's that's that's your problem with your lean.
Your lean is not enforceable right now. So for people listening,
then we'll go back to you. You have to basically
put the lean. Well, you got to give them an
intent to liane or a notice of intent to lean,
which is ten days. There yeah, and then you have
four months from the last time, plus after you gave

(01:54:17):
the ten day notice, you have four months to actually
basically put the lien on the property. And that's of
course after the ten days. But then you have six
months in total from the last time you were there
to get the court action rolling, to literally start a lawsuit,
whether it's small claims or county or anything else. So

(01:54:38):
it sounds to me your past is six months.

Speaker 2 (01:54:42):
All kind of my time. I thought I was still
within f but you know, by the time you hire
an attorney on the job, there's some of those twenty
thousand dollars on. You know, you start counting up, you
know your time?

Speaker 11 (01:54:54):
Well, is that the amount? Is it twenty thousand?

Speaker 2 (01:54:57):
Yes, that's what I'm claiming, all right, So hold.

Speaker 11 (01:54:59):
On, Dmitri.

Speaker 7 (01:55:01):
You've gone to county court quite a bit? Is it
fifteen thousand?

Speaker 11 (01:55:05):
These days?

Speaker 5 (01:55:05):
What's the limit?

Speaker 20 (01:55:07):
County court is twenty five thousand bucks?

Speaker 11 (01:55:09):
So this is perfect for county court. Now, let me
ask you this.

Speaker 7 (01:55:12):
I have never taken anybody to county court, and I
know you have, Dmitri. I have gone through small claims
more than most people ever should in their life, and
it's very easy.

Speaker 11 (01:55:22):
It's extremely easy.

Speaker 7 (01:55:24):
In fact, most of the time you settle before you
even get there. So for somebody like this call or Paul,
who we have no idea who he is, but based
upon the conversation and the background you know about him,
how much discipline or how much work would it actually
be for him to figure out the process and take

(01:55:45):
them for the twenty thousand dollars?

Speaker 20 (01:55:47):
They out well in my case, and I just finished
two trials in county court this past last month and
I prevailed in both of them. Now, what I found
about county court is for me, it wasn't any It
wasn't necessarily more difficult than small claims. There are a
lot more rules, which I familiarized myself with by reading

(01:56:09):
what's called the Colorado Rules of Sovil procedure, and it
was a very interesting read for me. But yeah, there
are deadlines, there are certain filings you have to do,
there are disclosures you have to provide to the other
party sort of, you know, and then you have to
serve the Form nine disclosure forum on the other party.
So for me, it was pretty simple. I found the

(01:56:32):
county court rules to be really easy, really, you know,
there's just nothing crazy about them.

Speaker 11 (01:56:38):
Once you absorbed them.

Speaker 20 (01:56:40):
Yeah, once I absorbed them. So I did read them
like three or four times.

Speaker 7 (01:56:43):
So, Paul, what questions you have from there? Because really
the lean was the best way to go. But you
still would have had to go through county court without
hiring an attorney. I mean, you can hire an attorney.
That's the other thing. You hire an attorney to go
after the twenty thousand. I don't know why if you
did all the work in the extra things, you should

(01:57:03):
be paid for it. I don't know why you judge,
and I'm taking you at face value, wouldn't allow you
to get paid. I mean, I don't know why you
would lose.

Speaker 2 (01:57:13):
Yeah, that was that was my feeling too. But let's
say I did pass my limit with the with the lean,
I can still go to county court. I mean I
can still go to county quarter small claims court for
a long time.

Speaker 5 (01:57:26):
Correct for breach of contract?

Speaker 11 (01:57:28):
Yeah, for what two years or five years?

Speaker 2 (01:57:31):
What is it?

Speaker 5 (01:57:31):
I think it's either three or four years.

Speaker 7 (01:57:33):
Yeah, whatever the timeframe is. I mean you can look
that up in a second. But I'm not sure what
the statue would be on a contractor claim like that.
But yeah, I mean, you can definitely do that. But
that's what a lot of people say, and they don't
do anything. Why does the guy not want to pay?
Let me do this?

Speaker 11 (01:57:50):
Hold on, Paul, I want to dive into something.

Speaker 7 (01:57:52):
I want to know why he doesn't want to pay you,
because we have another option here. Here's the other option,
just mediation or arbitration. If the guys straight up guy
and he says, well, you know what you want an
extra twenty, I only want to give you ten. Well,
there's the starting point that somebody good at mediating could
get figured out. We might be able to do that

(01:58:12):
for you. Three oh three Martina, Yeah, well, why don't
we call the guy? That's what I'm saying. That's exactly
what I'm saying. Hold on, hold on.

Speaker 6 (01:58:25):
Go with a sure thing Denver's Best roofer Excel roofing
dot com.

Speaker 5 (01:58:29):
You don't pay a cent until you're content.

Speaker 6 (01:58:34):
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 O three, seven
to seven to one.

Speaker 14 (01:58:44):
Help.

Speaker 6 (01:58:45):
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 11 (01:58:55):
I'm gonna tell you what I'd love to do.

Speaker 7 (01:58:57):
I'm gonna go back to Paul, but I'd love to
get this homeowner on that he built a garage for
and get this worked out. Paul, what is his side
of the story going to be that you simply said
you'd do it for eighty five and that's all you're
getting or what?

Speaker 13 (01:59:13):
Well?

Speaker 2 (01:59:13):
Okay, so this was the deal is he came to
me because I had told you we had done some
work for him before.

Speaker 11 (01:59:18):
I got it, so okay.

Speaker 2 (01:59:20):
So that so he came to me and he says, hey,
I want to have a garage built. And these other
people gave me a price for eighty four thousand dollars
and I said, well, I can build you something, you know,
for probably less than that. And the thing is, when
we started building it, he just kept adding on to
where and.

Speaker 11 (01:59:39):
Yeah, I get it. A lot of people do that.
I get it.

Speaker 7 (01:59:41):
So we added on a lot of stuff. Did he
think all this stuff was going to be free?

Speaker 2 (01:59:45):
He's paid me sixty five thousand dollars, and actually I
did more. This was a pole farm building that he
originally had a bit for, and I did a full
blown garage with a regular footing and everything.

Speaker 7 (01:59:57):
I said, Look, is he happy? Hold on, Paul? Is
he happy with the finished project? Or if we talk
to him, he's gonna sure.

Speaker 11 (02:00:05):
I don't care. I don't care about the pictures he had, Paul,
is he happy with it?

Speaker 2 (02:00:12):
Yeah? It looks beautiful.

Speaker 7 (02:00:14):
So his only problem, hold on, His only problem is
he doesn't think he owes you any more money, even
though he had add ons.

Speaker 13 (02:00:23):
Yeah, all right, here's.

Speaker 7 (02:00:25):
What I want to do. Hopefully you're good for it.
I want you to give Kelly his information.

Speaker 5 (02:00:30):
Can you do that?

Speaker 11 (02:00:30):
I already left him a message.

Speaker 5 (02:00:32):
Oh you did, Yes, they did.

Speaker 7 (02:00:33):
All right, listen, Paul, we're going to try to get
this figured out for you.

Speaker 11 (02:00:36):
What would you settle for?

Speaker 2 (02:00:40):
I would settle for half of that? He actually is half?

Speaker 7 (02:00:43):
Whoa whoa, whoa woa? What is what is half? Are
we talking half of twenty?

Speaker 2 (02:00:48):
So he gave me sixty five and the actual market
value of the building, like the one that he got
the bid for from a pole barn company, was eighty five,
so I'm billing him eighty five.

Speaker 7 (02:01:01):
Paul, Paul, I just Paul, I got to correct a
few things from you, because you're honestly confusing me here.
You said, okay, he told you I'm going to have
this barn built for eighty four thousand, and you said, oh,
I can probably even do it cheaper than that.

Speaker 11 (02:01:20):
And you did do it.

Speaker 2 (02:01:21):
Cheaper than that, not the very same building, the same
size of the building, but not exactly what the other Yeah, but.

Speaker 7 (02:01:27):
You told them, but you told them cheaper than that.
I don't care what we're talking about. You told him
cheaper than that, but now you want that same amount,
So how much more?

Speaker 2 (02:01:37):
Because he added on, he added on all the extras
on top of this.

Speaker 7 (02:01:41):
I get you, But you didn't document him. You didn't
do a change order, you didn't do anything. So but
we're talking about we're talking about ten thousand dollars then, right,
that's what I.

Speaker 2 (02:01:52):
Would settle for just to get it out of my hair.
But I mean, if you add everything up strictly, it's
be like over twenty five dollars.

Speaker 5 (02:02:01):
Yeah.

Speaker 7 (02:02:01):
But okay, okay, I get you there, So let's do this.
I'm going to get them on hold and Dmitri, what
are your thoughts on it? You want to take a
stab at talking to the homeowner. Kelly already left a message.
What I would really like is to get the homeowner
to come on air. We're not going to handle everything
on air, although it's happened a lot. In fact, I'll

(02:02:21):
tell you guys something listening Dmitri literally solved how much
was the pizza deal?

Speaker 20 (02:02:28):
I'm not going we never figured out the dollar value
of that dude's tools, but we were able to settle
a dispute with a with a strategically sent pizza.

Speaker 7 (02:02:38):
The consumer literally she wouldn't give the contractor the tools back.
He was saying, it was like a thousand bucks worth
of tools. A pizza made it all happen. So if
we could get both of these people on I'd love that.
You want to work on that, Dmitri getting the home
off to.

Speaker 20 (02:02:52):
My authorized to offer a guy pizza with as many
toppings as he wants. Absolutely, what about extra cheese that
costs more?

Speaker 7 (02:02:59):
No extra che stuffed cheese wherever they have figured out
to hide the cheese and a pizza, you are now authorized.
If they have a pizza that comes in a box,
made out of cheese. You can actually use that. All right,
let me take this quick break. Make sure Kelly Dmitri's
got all the information. I would love for him to

(02:03:20):
get involved in this. Here's really what I'd like it first.
If you can figure it out, Dmitri, have them both
back on tomorrow.

Speaker 5 (02:03:26):
Let's free up. Paul.

Speaker 7 (02:03:28):
Have them both back on tomorrow and figure out what's
going on. I'm dying to hear the homeowner's side to it,
if he's really happy with it, and that's where I'm
not sure we're gonna hear. I'd find it a little strange.
If he's like, oh yeah, it's the best building ever.
I'm so happy because if he goes there, I bet
we can get some money out of him.

Speaker 5 (02:03:47):
What do you think? Consider it done? All right?

Speaker 11 (02:03:49):
Hold tight? Three oh three seven one three talk.

Speaker 6 (02:03:57):
Go with a sure thing Denver's Best roof of Excel
roofing dot com.

Speaker 5 (02:04:01):
You don't pay a cent until you're content.

Speaker 6 (02:04:07):
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 O 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
oh three nine two zero sixteen twenty two.

Speaker 7 (02:04:29):
You know, we talk about the movie event, you know
quite a bit. We do a lot of these, and
I'm talking about Become the Banker and Joe and Joseph.
It's really a Joe and Joseph, Joe and Jordan. I've
done that a lot. So I want to say this,
an annuity is very interesting if you've never run the
numbers on it, and really that's what this movie's about.

(02:04:51):
There's going to be problems with social Security. It's, you know,
the all these people just rob from it all the time.
I don't know how else to put it, and people
that didn't pay in get it, and it's just not
a very safe system. So having a guaranteed money coming
in at retirement, not a stock portfolio that goes up
and down all the time, but you should have that,
don't get me wrong, You should definitely have that. Butt

(02:05:14):
Having that guaranteed money every month till the day you die,
even if you live to be one hundred and twenty,
is a pretty cool thing. Never worrying. Is a rank
going to be paid? Can I have a new car?
Do I have money to eat? Let's get to real
basics here. Something that supplements that Social security or whatever
your retirement looks like. And these guys can help you

(02:05:35):
with it. But if you get started somewhat early, there
is a true benefit to it. And I want you
to hear this. So I had Jordan run, how old
was the person five or forty five?

Speaker 14 (02:05:46):
Yep, forty five year old with two hundred and fifty
thousand dollars.

Speaker 7 (02:05:49):
So a forty five year old that maybe has been
working for a big company for a while, has five
six seven hundred thousand maybe in a four oh one
k think about this, You take two hundred and fifty
of it at the age of forty five, you're gonna
get an instant and I mean this an instant seventeen
percent bonus. So whatever that math looks like, thirty six

(02:06:12):
extra forty five grand roughly, so that two hundred and
fifty now is close to three hundred, or operating is
three hundred on day one. Whatever that account is building
at that minute, it's based off of that bonus money
as well.

Speaker 11 (02:06:29):
From day one.

Speaker 7 (02:06:30):
And the reason I keep saying that is because there's
other companies out there that offer a bonus, and those
bonuses you really never get, I mean pretty much you
don't get till the end. I mean they're not there
for the growth exactly.

Speaker 14 (02:06:45):
They stay there only once you hit that retirement of
fifteen years out or twenty years out, depending on the
render charges. Yeah, that's when you can get that bonus.
But it's not growing that whole time, and just sit
it there.

Speaker 7 (02:06:55):
Yeah, instead of that forty five thousand growing at whatever,
five to seven percent a year for or whatever amount
of years.

Speaker 11 (02:07:01):
I mean, you don't have the benefit of that.

Speaker 14 (02:07:03):
You don't.

Speaker 7 (02:07:03):
It's massive, it is. So let's just go right to
the numbers. So what age does a person retire at?

Speaker 14 (02:07:11):
You know, I'd say nowadays right around seventy sixty eight.
Seventy and seventy is also full social Security for lacks,
get your step ups, get those eight percent colas. Now
for anybody who's hitting seventy, this individual will get shy
of just right around one hundred thousand.

Speaker 11 (02:07:24):
Dollars, one hundred thousand a year, one.

Speaker 14 (02:07:26):
Hundred thousand a year. They start at two fifty age
forty five, didn't invest anything else, just let us sit grow,
can't drop, can't lose money. And they're guaranteed to have
one hundred thousand dollars by the time they retire.

Speaker 11 (02:07:37):
So think about that.

Speaker 7 (02:07:38):
So in two and a half years you got your
principal back, you're two hundred and fifty thousand. And if
you live too, I don't know. I mean, geez, that's
a ways away. Let's say we live to one hundred.
I mean you're talking thirty years times one hundred thousand dollars.
That's three million dollars.

Speaker 14 (02:07:54):
That's right. And then the long term care on top
of that.

Speaker 11 (02:07:56):
Well, and that's an interesting part.

Speaker 7 (02:07:58):
Think about this. So this particular person that did the
two hundred and fifty and by the way, it's guaranteed
nothing can happen to that money.

Speaker 11 (02:08:05):
It will be there. Now.

Speaker 7 (02:08:07):
Okay, when I say guaranteed, if there's a nuclear war
and we're all cockroaches, okay, you're not going to get it.
So but it's guaranteed money. You're going to get the money.
It's not like the old pensions that can be rated.
It's your own account. It's your money. So here's the deal.
If you fall ill, you can't bathe yourself, you can't
cook for yourself, and you need long term care, whether

(02:08:29):
in your house or in your apartment, or or.

Speaker 11 (02:08:33):
In a unit, a home, a facility. It doubles.

Speaker 7 (02:08:38):
So now all of a sudden, that hundred thousand a
year becomes two hundred thousand a year.

Speaker 14 (02:08:44):
That's correct, and they'll be receiving that so they can
live off of that, help have that income. And again
you said it, most people want to stay in their
house and that.

Speaker 11 (02:08:51):
Never goes away.

Speaker 7 (02:08:52):
It away if somehow you got better, which I mean
that doesn't happen, but if it did happen, you still
get that money.

Speaker 14 (02:08:59):
Still get that ends the death benefit. If you did
pass away, whatever's left in the account goes to your
loved ones.

Speaker 7 (02:09:04):
That's one of the biggest things people are afraid of
with annuities. They're like, okay, well I go to take
the money it's sat there, and yeah, a big deal.
The account's worth a million dollars. Now when I go
to retire and I die and I don't get anything,
my kids don't get anything, my spouse. That might have
been true with old annuities, Is that even true?

Speaker 14 (02:09:26):
Unlikely? It is unlikely. But with nowaday annuities, they have
such benefits that they go for the what is what
if you pass away in this pace place, this person's
going to have about one point five million dollars that
would go to their loved ones.

Speaker 7 (02:09:38):
So that's if you think about it, that would go directly.
If they happen to die at seventy when they were
going to retire, they get hit by a car, that
one point what one point five million, That one and
a half million dollars goes to whoever your beneficiary is.
That's correct, So I mean it's pretty crazy.

Speaker 11 (02:09:53):
One of the downsides. And I always say this about annuities.

Speaker 7 (02:09:56):
Now, the one you guys have is interesting because you
can borrow from and never have to pay back. But
the limit I'm borrowing is ten percent a year.

Speaker 14 (02:10:06):
That's correct.

Speaker 7 (02:10:06):
So at ten percent a year, if something happens before
you retire and you need some money, maybe you got
to buy a car or something, you could borrow, well
that's twenty two thousand.

Speaker 11 (02:10:17):
Bucks, that's right.

Speaker 14 (02:10:18):
You could take out that ten thousand, ten percent a
year and not plan on paying it back. I'm like
a four to one k where you're half to pay
it back, so it gives you some more flexibility, more freedom,
and you kind of hit it on the head. Don't
put all dollars in here, but have some investment money.
Just have that CAIR detection.

Speaker 7 (02:10:34):
Can you imagine how many people would feel so good?
So maximum social security that I think I'd receive is
going to be about five thousand dollars, so five thousand
a month. Imagine having another eight thousand guaranteed to come
in with that. Now I got thirteen and if something
happens to me that that eight doubles to sixteen. And
that's all off at two hundred and fifty thousand dollars.

Speaker 14 (02:10:55):
That's right, no additional money. So after those twenty years
you probably accumulated more money in to four one k.
So you can have different buckets, different income streams, and
that's what we.

Speaker 7 (02:11:03):
Just can help one hundred percent. If someone's got an
IRA or you know the biggest ones out there. People
used to work for a big company. Let's say you
work for Sears or you worked for Walmart and you
have this orphan four to oh one case sitting out
there doing nothing. You guys can actually roll it over
into this product.

Speaker 14 (02:11:22):
That's right. A ten thirty five tax free. You just
roll it over and you can have the ability to
just access this money if you need to in the future,
but let it grow, have control of it.

Speaker 7 (02:11:31):
It's just that guaranteed money. And I'm going to give
another example, Deputy Doc. If you listen to this show,
Deputy Doc retired and he had an annuity that he
had for a long time and or no, yeah, I
think he had a pension that he had for a
long time. He took his pension money or his retirement money.
Maybe it was an IRA, I don't even remember, but
he took it and he got an instant annuity. I

(02:11:55):
think he had to wait thirty days, so he didn't
let it build. But what he got with a security
of a certain amount of money coming in for the
rest of his life, no matter how long he lives,
and his actually adjust every year to where the economy
is going or the cost of living goes.

Speaker 14 (02:12:15):
A living writer, Yep. It gives him the ability to
have income increase because it's getting more expensive nowadays. Oh,
it's crazy. This is the best way to do it.
And if you want to come to our showing, we're
going to talk a little bit more about this at
the AMC south Lends right.

Speaker 7 (02:12:26):
It's just sat the movie really if you look at
it right now, it's going to be this Thursday six
point thirty, and it is. It's about the annuity product.
It's also about social security. It's a good movie. If
you go to my moneymovie dot com you can watch
the trailer right there. It's like, what a minute? Two
minutes My moneymovie dot com. It's a real movie. And

(02:12:47):
what I mean by that it's not something put together
in a backyard. It's a Hollywood style movie.

Speaker 11 (02:12:52):
It's pretty good.

Speaker 7 (02:12:52):
It's about baby boomers that are really sweat and retirement.
They're running into problems. They have kids and they're running
into problems. My moneymovie dot com. Get signed up, Suzanna
and I'll be out there this Thursday, six point thirty.

Speaker 11 (02:13:05):
It's an aurora at Southlands at the AMC dine in.
It's pretty cool. We'll buy the popcorn, the drinks.

Speaker 6 (02:13:13):
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Speaker 6 (02:13:24):
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