The Troubleshooter 12-15-25

Episode Transcript

Speaker 1 (00:00):
Yea ripped off news.

Speaker 2 (00:09):
You don't have.

Speaker 1 (00:12):
Come running as fast as we can. Shoot's gonna help
coming man.

Speaker 3 (00:19):
This is the Troubleshooter Show. No Tom Martin, Welcome, Welcome,
my friends to the only show of It's caad. We're
here to solve problems, answer questions, take complaints. Our goal
in life is to make your life a little bit better.
If you've been ripped off or taking advantage of it
is so easy to call this show three oh three

(00:40):
seven one, three eight two five five, or you can
call three oh three Martino either or we'll get you
right through. We do have two open lines. It's a
wonderful Monday. Got Deputy Doc here. Suzanne is with me today,
Kelly answering your phone calls, and Shannon operating the board.
Three zero three Martino. Maybe you got a contractor maybe

(01:03):
you got a bad landlord. Maybe you got a bad dentist.
We've had bad dentist. Yes, I've told the story before,
I'll tell it one more time. The guy was so
mad because the woman bounced to check for her son's orthodonics.
It was ninety nine bucks a month and the check
bounced and the braces. You listening to this, Jordan, the

(01:23):
braces we're starting to cut into the kid's gums and
you wouldn't adjust them because she bounced to check. Of course,
single mother. But we deal with everything here and we
do it all the time, so if you need help.
We have recovered over three hundred million dollars in cash, merchandise,
exchanges and refunds, literally and directly due to this show.

(01:48):
Three zero three Martino Deputy Doc, like I said, is
standing by.

Speaker 4 (01:52):
And countless millions that we saved people just by listening
to the show being telling him what to do and
not do.

Speaker 3 (01:59):
It'd being posed possible to calculate that, but you're right, Doc,
probably hundreds of millions if you think about it. We
had one not long ago. This guy walks in to
one of these new ATM machines, a bitcoin ATM machine
in a liquor store, fifty thousand dollars in hand, and
he starts uploading the money, and you use a barcode

(02:20):
and that's the account to cash goes and pretty much
once it's in the machine, it's in the machine. So
we have seen it all. By the way, Jordan Keano,
he joins me with my money myway dot Com Jordan Hara,
You've been doing, man.

Speaker 5 (02:34):
Doing great, doing great, getting ready for this holidays, and
hopefully everybody that's listening is gonna have blessed and beautiful
holidays themselves.

Speaker 3 (02:40):
Yeah, I hope so, Man, this time of year is
kind of crazy. It' see either people very happy their
kids are back from college, or you know, the winter break,
or people skiing, or we get a lot of calls
this time of year with people in need, people that
simply we had one a week ago. Guy got thrown
out of his hotel. I mean, you name it. So
this time of year can be very bad for people too.

(03:03):
But in general, I like what you just said. I
hope everybody out there is having a good season. Now, Julia,
what's going on with you? Julia?

Speaker 6 (03:14):
Hi? My name is Julia Harris. I'm a thirty four
year old disabled veteran. I am a single mother of
two children. Due to my chronic illness dystemicscrosis, I'm having
issues being able to move properly and walk and write,
so therefore I have not been able to work the
hours I've been able to work. I have a very

(03:34):
physically demanding job. I'm a cook out a daycare and
I am now being asked to move out of my house.
By the end of this month, we were able to
get back gate caught up, but now I have to
figure out the cause.

Speaker 3 (03:49):
Hey, Julia, what is that diagnosis you mentioned? What is
your ailment?

Speaker 6 (03:55):
Systemic sclerosis otherwise known as sclare dermo. It is a
I've been told it's like a multiple thing, different kinds
of diseases.

Speaker 3 (04:06):
So, I mean, it's got to do with your back, right,
your vertebrae?

Speaker 5 (04:09):
Is it?

Speaker 7 (04:10):
No?

Speaker 4 (04:10):
No?

Speaker 5 (04:12):
What is it?

Speaker 3 (04:13):
Doc?

Speaker 5 (04:15):
And it's an auto disease.

Speaker 3 (04:17):
You got to hit the on.

Speaker 4 (04:18):
Yeah, it's basically a autoimmune autommune disease where it's what's
you get thickening of the skin and capsules on the organs?

Speaker 5 (04:26):
Got it?

Speaker 8 (04:27):
So?

Speaker 3 (04:27):
So, Julia, when you first started falling back on rent,
was that because you couldn't work enough hours? What happened there?

Speaker 9 (04:37):
Correct?

Speaker 6 (04:37):
Can I work enough hours? I was holding two jobs,
technically three, because I was still in the army and
because of my disease, the Army has honorably just charged
me because I'm no good to them.

Speaker 3 (04:48):
I'm not gonna end.

Speaker 6 (04:50):
I had to quit my other job because it was
correctional officer.

Speaker 3 (04:53):
When is your lease up? When is the actual lease
up that you're in on this house.

Speaker 6 (04:58):
So we are in a month month con and because
I fell short, we no longer would like to keep
the contract going. So now I need to move by
the end of this month.

Speaker 3 (05:07):
So you are one hundred percent caught up now or
you're saying you could get caught up.

Speaker 6 (05:13):
I am one caught up now to get out. I'm
just looking for a sistance with security deposit in first
month's round.

Speaker 3 (05:19):
I'm not so sure he can't re I'm not so
sure they can do that. Hey, Kelly, let's get Brad
O'Brien on. I want to ask Brad this. For example, Julie,
if it was a one year lease and you were
caught up by the end of the year, you didn't
know anything so the financial part was handled, they would

(05:39):
not be able to simply not renew the lease. So
I'm not sure why just because it's a thirty day
maybe it is though maybe anything. Maybe it's got to
be over twelve months the more I think about it.
But I want to ask our attorney, Brad O'Brien, is
he going to rent it out to somebody else or

(06:00):
he's not going to move into the property or anything.

Speaker 6 (06:02):
Right, right, he's going to rent it out and get
actually like a year long lease commitment from somebody.

Speaker 3 (06:10):
And how long have you been there?

Speaker 6 (06:12):
I've been mentioned February fourteenth this year, so.

Speaker 3 (06:15):
You haven't even been there a year. I have a
feeling a lot of that's going to equal somewhat bad
news for you. But I do want to get our
attorney on Brad O'Brien and let's just ask them what
rights you have and kind of go from there. So
I'm going to put you on hold, okay, hold tight.
Soon as I get him on, I'll bring you back
up and we'll try to get to the bottom of this.
And if my suspicion is right, he does have the

(06:38):
ability to well not really a vict you, but not
renew the lease. The other thing I would like to
do is have someone attempt to reach out to him
and try to tug on his heart's strings or something.
Would you like that as well?

Speaker 10 (06:55):
Due to the.

Speaker 6 (06:56):
History that we've had with one another, I no longer
want to conduct business with him, So.

Speaker 3 (07:00):
You don't even want to be there?

Speaker 11 (07:02):
I now, yes, okay, So so how can we help you?

Speaker 4 (07:06):
Then?

Speaker 3 (07:07):
I thought you wanted to stay there.

Speaker 5 (07:09):
That was my bad.

Speaker 6 (07:11):
No, it's okay. I'm just looking for any kind of
assistance whatsoever to help me find a new place.

Speaker 3 (07:16):
How much can you afford each month?

Speaker 6 (07:19):
I have a stipeen, so I'm paying roughly like fifteen
hundred a month for rent because they pay my other half.

Speaker 3 (07:27):
So your total rent needs to be under fifteen hundred
or at fifteen hundred.

Speaker 6 (07:32):
At least twenty seven hundred because they'll pay half and
then I'll pay the other half.

Speaker 3 (07:37):
Oh that so you could afford twenty seven hundred bucks
a month?

Speaker 8 (07:41):
Yeah?

Speaker 3 (07:41):
And what kind of place are you looking for? And
do you have a criminal background? I assume not because
you said you're military.

Speaker 6 (07:49):
Correct, no criminal backgrounds. I'm looking for a three bedroom,
two bathroom, has a yard because I do have dogs.
Of the dogs, yeah, and in Castle Rock.

Speaker 3 (07:59):
All right, on a second, I got a better idea.
We don't need Brad O'Brien. You know what I would
like to ask Brad that question, though, Susanne, I do
have a question for him, but we don't have to
have Julia around for that. Let me put you on hold, Julia.
Let's get Denver real estate moguls on. How many properties
do they have? Do you know I left? I left
abruptly last week when they were in.

Speaker 2 (08:21):
Sean Jullian, let's ask him, Jillan.

Speaker 3 (08:24):
Get him on. I want to see if possibly first
of all, twenty seven hundred I assume she's right there.
That sounds like a three bedroom house, possibly in castle Rock.
But let's figure that out. Maybe we can literally find
her a house today. That would be totally awesome. One
line open three zero three seven one three eight two

(08:44):
five five Terry and Dane, you guys hold tight issue
with title work on a truck and the issue with
an apartment rental. We'll get to the bottom of all
that and a lot more right after this.

Speaker 12 (09:01):
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dot com.

Speaker 13 (09:05):
You don't pay a cent until you're content.

Speaker 12 (09:11):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only
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 3 (09:32):
All right, three oh three seven one three eight two
five five. I've got one of our experts up. Julia
called in and basically she's got some medical issues, but
she gets twenty seven hundred bucks a month for rent.
He's looking for a two or three bedroom house. So
I brought up Sean Jilliland. Now did I say that right?

Speaker 5 (09:52):
Sean?

Speaker 3 (09:53):
I swear to God I will never get your Shawna.

Speaker 2 (09:55):
This is sues here. I said it was Gilliland.

Speaker 14 (10:00):
Yea, you're rights.

Speaker 3 (10:01):
I've heard yeah, okay.

Speaker 8 (10:03):
Yeah, no, no big deal, Mark Gilliland.

Speaker 14 (10:06):
This happened life.

Speaker 3 (10:07):
Yeah, you were in last week and I never got
I never got to the point where we were going
to be kind of interviewing you and talking about what
you do. But he's with Denver Real Estate moguls. So
Julie is on. I'm going to lock you in and
bring her up. First of all, I want to ask
you this, twenty seven hundred bucks a months. What does
that get you these days? As far as a house,

(10:30):
we could.

Speaker 14 (10:31):
Still get a house for twenty five you know, twenty
you know, twenty seven hundred months. You're looking at she
will be three bedrooms to bash.

Speaker 3 (10:39):
That's what she's looking for, something in Castle Rock, right, Julia? Yeah,
so so how does that work?

Speaker 8 (10:46):
Tasha?

Speaker 14 (10:46):
Actually my business partner, Tasha, who was in the studio
last last week as well. She she live in Castle Rocks.
Oh cool, she's very familiar with that area.

Speaker 3 (10:54):
Can you guys, can you put Julia get her on
your radar, give her a call up, see if you
can't get her hooked up with what she's looking for.
She's got a landlord right now. You probably know the
answer to this question. She's been on a month to
month and house she's at now. She fell a little behind,
but she's one hundred percent caught back up. Now, Julia,

(11:17):
how far behind did you get? What was the worst?

Speaker 6 (11:22):
Six one hundred that's roughly about three months because the
right is three thousand at that house?

Speaker 3 (11:27):
And how would you convince somebody like Sean or his
partner or someone that you wouldn't get behind again? What
has changed? And Sean be be very candid, How does that?
How does that look to you? When someone's looking for
a house and they were three months back, they got
caught up, but they were three months back, you know, Wow.

Speaker 15 (11:50):
I think we just some different aspects, you know, like
talking to the landlord for example, seeing exactly what they say,
checking the references, looking at her history and looking at
her credit and all all of that stuff together.

Speaker 3 (12:01):
Really Okay, what kind of credits where do you have, Julia?

Speaker 6 (12:05):
It's very low. It's like a five thirty six.

Speaker 3 (12:08):
Does that kill it? Sean, I just don't want to
waste your time more.

Speaker 14 (12:12):
Yeah, which, you know, it makes it much difficult, much
more difficult, you know, I mean, because we do have
to protect the interest of our clients and stuff, you know,
and you might be able to find something where somebody's
going to take you know, maybe an extra security deposit
or something, but then you got to come out of
pocket for more money too. It definitely it shows you
how important it really is to keep your credit up

(12:35):
there because that can definitely affect your your rental prospects. Now,
if you're if you go into section eight, if you
can qualify for Section eight, they can't even if the
Section A person applies that you can't check their credits.

Speaker 3 (12:48):
You wouldn't You wouldn't qualify for Section A, would you, Julia?

Speaker 16 (12:52):
I would?

Speaker 6 (12:52):
I'm actually on the wait list Sean, can I ask you,
I am on a homes for Veterans subsidy plan, so
they pay half my rent? Does my credit still apply
because I'm on the shallow of subsidy. Don't give a
voucher either, So I know a lot of places have
rejected me now because they need a voucher to show

(13:12):
that I'm part of this program. They don't give a voucher,
but I do have like an onboarding welcome letter stating
that I am in this program. They are going to
pay half my rent and for how long they're going
to do so.

Speaker 3 (13:24):
So let me ask you, Julia credit, We were they
paying half your rent at the old house when you
were three months back? Or no, they were.

Speaker 6 (13:32):
But this year is the year that my illness, disease
whatever have gotten the worst, and I haven't been able
to work as much.

Speaker 3 (13:40):
I think, Sean, what do you suggest, first of all,
answer the question that she asked, have you dealt with
this VA partnership she's in with?

Speaker 14 (13:49):
It's very possible, and I can't say for sure.

Speaker 3 (13:53):
I do believe we do get.

Speaker 14 (13:55):
A truck from one at least via organization. I can't
say it's a it's the same one or not. Tosh
actually deals with that, so got it. He would be
the one that would know that. But it's very possible
that it's the same one.

Speaker 3 (14:07):
Let's do this, Julia. First of all, go ahead, Dimitri,
you had a question.

Speaker 17 (14:10):
Yeah, Sean, you know there was a brief discussion of
credit scores. What is what would you say, is the
minimally ideal credit score for somebody who's looking for an apartment,
you know, through your through your agency.

Speaker 3 (14:21):
Or where's the fu Yeah exactly, So.

Speaker 15 (14:24):
Like the minimally idealest with you, we really don't have,
you know, a credit score that automatically disqualifies anybody.

Speaker 14 (14:32):
Automatically the entire package.

Speaker 3 (14:34):
But just in general, I would assume six point thirty
and over is okay, it's or something.

Speaker 14 (14:42):
Yeah, you want to see at least in the low
six hundred. It's really let's start to get in the
five hundreds. That means they they've had some problems in
the past.

Speaker 3 (14:49):
World, Well, do me a favor, give me a solid
on this. See what you can do for her. She's
got twenty seven hundred bucks a month she works. In fact,
she just got dishonorably or I'm are you honorably discharged.
What were you in? What service? Julia?

Speaker 14 (15:05):
The Army reserves.

Speaker 3 (15:06):
Yeah, she was in the reserves and because of her ailment,
basically she was discharged. But would you talk to her
and see if you can help her out, either through
traditional methods that you would or maybe you got something
in your back pocket, you know what I'm saying.

Speaker 14 (15:22):
Yeah, you know, especially since she's a better I mean,
we're always happy to try to help a veteran as
well too.

Speaker 3 (15:27):
I love it.

Speaker 18 (15:29):
The other thing too, is.

Speaker 14 (15:32):
If you do need a three bedroom.

Speaker 6 (15:35):
Julia, Yes, I need a three bedrooms?

Speaker 14 (15:38):
Yeah, because I was just gonna say, because the two
bedrooms in the one bedroom. There's just so many more
on the market right now, just because they bumped so
many one bedroom and two bedroom apartments on the market
over the last year.

Speaker 3 (15:50):
So yeah, they're everywhere one or two bedroom.

Speaker 14 (15:52):
There's a lot more out there. The three bedrooms, it
gets a little bit tougher.

Speaker 6 (15:55):
But it's it's also that's why the apartment is hard
for me.

Speaker 3 (16:00):
Yeah, apartments suck if you got dogs. So hold on
a second, let me put her on hold. Hey, Julia,
Shawn's number and I want you to give him a call.
Seven two zero eight four to one ten twenty one,
seven two zero eight four to one ten twenty one.
And once again he's our expert when it comes to
property management. He is a property manager. So hopefully that

(16:21):
works out. Sean, you said something that piqued my interest, though.
So we're flooded everywhere I drive now, driving from frank
Down down to the Tech center every day and vice versa.
Is amazing how many apartments are coming online. They're everywhere.
It looks like a whole city at C four seventy

(16:42):
and Lincoln now that not even half of them are
open yet. I mean, is this gonna drive prices down
big time?

Speaker 8 (16:51):
Seen a drop? I would we've seen.

Speaker 14 (16:53):
This is the slowest rental market. I mean, it's usually
one side of the market's doing well, on one side
of the market's doing bad. I mean, either sales are
up and renters rents are down, or vice versa. Right now,
sales are down, rents are down. It's just stuck in general.

Speaker 3 (17:08):
And.

Speaker 14 (17:10):
I think so many people are on the fence waiting
for interest rates to literally drop them for that whole
market shift to happen, you know, And so I think
it's just affected both and.

Speaker 3 (17:21):
You don't think it's supply and demand though that much.

Speaker 14 (17:23):
Yeah, that's the other thing. So they dumped a ton
of apartments on the market, one and two bedroom units,
and so it's just we have a ton of supply
right now of one in two bedroom units that we
hadn't had in the past. And so that's a whole
other thing that has you know, obviously contributed.

Speaker 8 (17:42):
You know.

Speaker 14 (17:42):
Then then we have the demographics and the supply and
demand issue of the millennials are I don't know, nine
million bigger than the baby boomers, and so they need
to buy houses, you know, and they're not affordable necessarily,
especially with the interest rates being so high. So that
demand is just sitting there. But that's why they had

(18:03):
to raise interest rates so high and keep them up
so long to try to bring prices down, try to
bring demand down. But that demand is really just sitting
there on the front.

Speaker 3 (18:12):
It's crazy.

Speaker 4 (18:13):
Man.

Speaker 3 (18:13):
Hey, I appreciate that, and I appreciate you, uh, attempting
to help Julia. Let's see what happens here. Keep us
in the loop on that once again. That's Sean and
you can reach him. Denver Real Estate Mogul seven two
zero eight four one two. Maybe you're sick and tired
in Colorado of being the landlord and you want someone

(18:34):
to handle every aspect of it. That's Sean. Give him
a call. Seven two zero, eight, four one, ten twenty one,
Real quick, Terry, what's going on with the title on
this truck?

Speaker 9 (18:47):
Oh? Yes, good morning, monk, good morning. Been at home
and let's thank to you guys for over forty years.

Speaker 5 (18:55):
Wow, I was ten good work.

Speaker 3 (18:58):
I appreciate that. But Terror, what's going on real quick
with this title? Then I got to take a break
and we'll come back and solve it. What's happening?

Speaker 19 (19:07):
Yeah?

Speaker 9 (19:07):
Sure, So back in October, real quick. I got a
medical emergency. I've got cancer. I need to get the
title to my trunk so I can give it to
my daughter so she can sell it and move on.

Speaker 3 (19:21):
Okay, how do I do that? Well? That sounds easy.
Hold on, I mean I can't imagine where the snaffoo
or where the problem is here. If it's a lost title,
well I'll tell you. We'll figure it out after this.
And then Dane, he's gotten a problem with an apartment rental,
might need Sean again. And then Vivian, this one's interesting

(19:41):
issue with lotto genius. What the hell is a lotto genius?

Speaker 12 (19:51):
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,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven to one help. You'll think you're his only customer

(20:13):
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 all right, three oh.

Speaker 3 (20:23):
Three seven one three eight two five five one line open.
You've been ripped off for taking advantage of man yesterday.
I was just talking about it during the break. By
the way, if you go to YouTube, type in Troubleshooter
Network you can watch us and hear us uh during
the breaks. A lot of people like watching the show
that way.

Speaker 5 (20:41):
Man.

Speaker 3 (20:42):
It was like, uh, hell day yesterday they had that
attack over in Sydney. I think fifteen people did. Did
you see that video where the good guy, the Muslim guy,
went after the other guy and got his gun away
and started shooting at him and the other guy's on
the bridge. I thought he was going to take out
the good guy. Then I'm looking at the good guy

(21:03):
trying to get the bad guy killed, and I started
thinking the cops are going to show up and think
the good guy's a bad guy.

Speaker 5 (21:10):
But it all well.

Speaker 3 (21:11):
When I say it all worked out, I mean it
all worked out as far as this guy stopping it.

Speaker 17 (21:16):
That mark what the worst case scenario just described actually
happened here in Arvada a couple of years ago. There
was a scumbag who murdered a policeman and a good
Samaritan came out and shot the scumbag because he was
legally carrying a gun. The good samaritan was Yeah, the
mistake the good Samarian made was that he approached the
bad guy after he shot and picked up their rifle,

(21:38):
and the rest of the police arrived saw him with
a description. They already had a description of a bad
guy's rifle.

Speaker 5 (21:46):
They killed him.

Speaker 17 (21:47):
It was through no fault of the police, and it
was a very tragic, tragic The guy's name was Johnny.

Speaker 3 (21:52):
Something that's crazy. You would think that would happen actually
more than it does. Well, you know a lot of people,
just a lot of people don't do anything. Absolutely, you
always wonder how you would react. I'd like to think
I would jump in and get involved. And I have
a feeling it's one of those deals. If it's a
kid or a friend, or your spouse or your parents,
you know, somewhere along there, that's one reaction. If you're

(22:15):
somewhere and it's a totally different one. I don't know
how i'd react.

Speaker 4 (22:19):
Well, I reacted. I was with a friend of mine
saying goodbye to him. We've been studying together and he's,
you know, a big guy, and we heard some noise
in his Stallwell, run over there there's a guy dragging
a woman the raper, and two of us fought him
and held him till the police came.

Speaker 3 (22:36):
How long ago was that I.

Speaker 5 (22:37):
Was in medical school. Wow.

Speaker 4 (22:38):
But the point is I don't know how I would react.
And if my buddy Mark wasn't.

Speaker 5 (22:43):
With me, if you both weren't there.

Speaker 4 (22:45):
It was with the two of us, it was sisutaneous.

Speaker 3 (22:48):
Think of them just and the more surprising something is,
the more you don't know how you'd react. I'll give
an example, that Batman thing, that freaking movie in a
roar that guy like comes in from like kind of
behind the screen or the side and just start shooting
in an action film that's got all kinds of noises
going on, you don't know what to make of it.

(23:09):
I would love to think I would get directly involved
and do something. I just don't know. I honestly, god
don't know.

Speaker 5 (23:16):
I don't know.

Speaker 17 (23:16):
Yeah, I think you find out in a fraction of
the second when the balloon goes up.

Speaker 3 (23:20):
You don't even think about it. Yeah, you find out
what you're made of. I've always said this something weird
on a plane. I'd be all over it. You see
videos where like four or five passengers you got some
knucklehead trying to open the door or something that kind
of thing. I would have no problem getting involved instantaneously.
I mean, hey, everybody, let's get this some of a

(23:41):
you know what I'm saying. Three oh three seven one
three eight two five five. So, Terry, you want to
give the title to your truck to your daughter? Is
that correct? Yes, so they can sell it or they're
gonna drive it or.

Speaker 9 (23:55):
What so she can sell it and give the money.

Speaker 3 (24:01):
Okay, Well that's very nice of you. So why can't
you just give her the title? Is the title lost?
It's the title not in your name.

Speaker 9 (24:10):
Now the title's in my name, but I don't have
it mark. I don't know where it is.

Speaker 3 (24:16):
Is it in Colorado? Is it like a Douglas County deal?
Where is it?

Speaker 7 (24:20):
What?

Speaker 5 (24:20):
DMV?

Speaker 9 (24:21):
Denver?

Speaker 5 (24:22):
Denver?

Speaker 3 (24:23):
So basically I think you still have to make an
appointment for Denver, which is absurd. I can walk into
Douglas County and be seen in a matter of minutes.
Does anybody know if it's still that way in Denver?

Speaker 7 (24:33):
Why?

Speaker 17 (24:34):
Yeah, I just had the misfortune of having to register
a new car a couple of months ago. It took
me up no exaggeration, five trips to DMV. Why Well,
So here's here's how it happens. First, you got to
show up and stand in line to take a number.
It took me about an hour and a quarter to
take a number. Once you take the number, it takes
about another hour and a half to two hours for

(24:55):
your number to be called. But you're not allowed to
wait inside until your number is called. You got to
go back outside. They text you or something, Yeah, he
text you, and then you have a couple of minutes
they have.

Speaker 3 (25:05):
Like one DMV in Denver. Now, well, so this is this.

Speaker 17 (25:08):
I went to their main DMV in five Points and
they have did you get rugged? Uh? Not yet. But
there were ten windows. One lady was working one window,
some guy was sitting around reading his computer at another window.

Speaker 3 (25:25):
That was it. And that was it. Five trips Mark.

Speaker 9 (25:29):
Yeah, that thing is Mark? Say something?

Speaker 3 (25:31):
Yeah, go ahead, Terry, you called.

Speaker 9 (25:34):
Yeah, well the reason I'm selling in the truck. He's going.
I got diagnosed with stateful cancer, Terry. I don't have
that much longer.

Speaker 3 (25:44):
What kind of cancer is it, Terry?

Speaker 9 (25:47):
It's said the stomach.

Speaker 2 (25:49):
You poor guy.

Speaker 3 (25:50):
Yeah, our prayers out to you.

Speaker 8 (25:51):
Man.

Speaker 3 (25:52):
That really sucks.

Speaker 5 (25:54):
Yeah.

Speaker 9 (25:56):
Are you disabled around? I can't be running around to DMV.
I'm in a hospital bed right now.

Speaker 5 (26:02):
Okay, you can't be run around.

Speaker 3 (26:05):
I asked you.

Speaker 4 (26:05):
If you had disabled and you go to the MV,
you go to the front of the line. Yeah, you
get admitted instantly, unless you're in Denver.

Speaker 3 (26:12):
Oh no, in Denver, no, you know.

Speaker 17 (26:14):
I personally saw a lady with one of those like
tricycles for her broken leg. Yeah, she had to stay
in line along with the rest of the place.

Speaker 3 (26:22):
Hey, Terry, you do have the title right or you're
saying it's lost. No, it's lost, it is lost. Well,
they'll reprint you one right on. Well, see once again,
I don't know about Denver. After hearing this nightmare, if
I walk into Douglas County, generally speaking, within ten minutes,
whatever I'm in there for is handled, and one of
those has been a lost title and they simply reprinted

(26:44):
it right there, and I left with it for five bucks.
I would say this, Terry, since you're giving it to
your daughter, I would have your daughter go down and
wait in line. They don't care. I don't think they
would care because they're not changing the name on the title.
They're simply reprinting the title for you.

Speaker 20 (27:05):
Hey, Mark, I mean I just put into Google can
you request a new car title online in Colorado? And
it says yes, you absolutely can request a new duplicate
car title online in Colorado.

Speaker 3 (27:16):
You see, if you can knock that out for him,
I don't.

Speaker 2 (27:18):
Mind doing that.

Speaker 3 (27:18):
I just need the information, Kerry, hold on, we might
be able to do this for you right now during
the show. That would be the best way to handle this.
Three oh three seven one three eight two five five.
We're gonna have two lines open, run right now, three
oh three, Martino, get that call and Dane, what is
going on with this apartment rental? Are you the landlord?

Speaker 5 (27:44):
Dane?

Speaker 3 (27:45):
I think Dane's watching sound like cartoon?

Speaker 10 (27:48):
Use this, hey Dane, I'm here, Yeah.

Speaker 3 (27:51):
What are you watching? Out of curiosity? It sounded like cartoons?

Speaker 10 (27:55):
Old school today? So watching the Disney program? Got it evented.

Speaker 3 (28:01):
What's going on real quick with this apartment complex? And
then we're going to take a break and we'll talk
about it as soon as I come back. What's going
on though?

Speaker 10 (28:10):
That's basically what we see as an illegal eviction. We
have no idea what happened, what transpired. We went to court.
Everything's supposed to be renewed.

Speaker 3 (28:20):
So you've been to court for the eviction.

Speaker 10 (28:23):
My wife has a couple of years. This was about
a year and a half ago.

Speaker 3 (28:28):
Are you still in that? Are you still in the
property we're talking about now?

Speaker 10 (28:34):
Hearing gone, that's about a That was, like I said,
a year and a half ago, and I got get
there from the one we kind of migrated to. It's
just been a crazy.

Speaker 3 (28:42):
Tise, so you might you're facing another eviction now already happened.

Speaker 10 (28:48):
Uh, we got behind like the previous lady. Yeah, you know,
but they wasn't as patient with us as you know.
The moment we got caught up, they decided to go
through proceedings over a three hundred bucks or fami me.

Speaker 3 (28:59):
A six wow, hold on a second man. Hopefully week,
Hopefully it's not too late. But it sounds like they
already got the eviction. Maybe we can help them get
another place or something. Holy moly, it is eviction day
three oh three Martino two lines open three oh three
seven one three eight two five five day, and I

(29:20):
promise I'll come back to you. Then Vivian has got
a problem with Latto Genius and I'm still not sure
what Dad is, but we'll find out. Along with a
lot more, go.

Speaker 12 (29:34):
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(29:56):
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three nine two zero sixteen twenty two.

Speaker 3 (30:05):
All right, three oh three seven one three eight two
five five. We're gonna see if we can't help out
Dane and Vivin. You'll be next. I'm not sure who's
on one, but we'll know in a second three oh
three seven one three a two five five one line open.
So Dane, you guys went through an eviction a year
and a half ago because you kind of fell on
tough times, but now you're in the exact same boat again.

Speaker 10 (30:28):
Oh yeah, yeah, correct that, yes, sir, the first time
that sitting there happened at all. This one is a
little more understandable because of my my, you know.

Speaker 3 (30:38):
Well, how long is the lease? Let's talk? Is this
one before I even dig into the lease? Has this
one already gone to court and it's done, it's over.
The sheriff's going to be there.

Speaker 10 (30:49):
Good, most recent on. Yes, we're currently in the hotel now, yes,
oh my god, we're about about what two weeks?

Speaker 3 (30:57):
So what are you looking for?

Speaker 8 (30:58):
Now?

Speaker 3 (30:58):
Are you looking for an apartment? I assume, oh.

Speaker 10 (31:01):
We're looking yeah, I'm a we have some things that
we can't really like build on, expand on because of
our finances right now. But yeah, that's that's kind of a.

Speaker 3 (31:15):
Well how much money do you have per month? I
mean I I go ahead, Susan.

Speaker 20 (31:20):
Well in May of this or no, May of twenty
twenty four. The notes are last Thanksgiving. His Chevy Duramax
was stolen. Is this you Dane? He recently went to
court to do an eviction and saw his stolen truck
in the parking lot. It was registered as stolen. He called,
is this you, Dane? Or is this a different Dane?

Speaker 10 (31:40):
That's not me? But that was the major reason why
I have a vehicle broken into and they had like
right off my property? What was my property?

Speaker 3 (31:50):
Is that him or not? Though I'm missing that Dane?
Did you call last year?

Speaker 10 (31:54):
That is not me?

Speaker 21 (31:55):
Okay?

Speaker 3 (31:56):
But you had your vehicle stolen where.

Speaker 10 (31:59):
It was broken into and they took out a bit.
What happened was they bled over the original money order
that A had story in there, and I went to
get another one and then they sent out the demand
for compliance. Because that takes about when you're re tracking.
When the money order, it takes about you know, a
week and a half, you know, yeah, and then they do.

Speaker 3 (32:20):
But this has already been adjudicated, right Is this done?

Speaker 5 (32:24):
And over?

Speaker 3 (32:24):
This what you're dealing with right now? You're done and over.
Now you're in a hotel or a motel and you're
looking for a place correct? And how much can you
pay each month? And what are you looking for?

Speaker 10 (32:37):
Various because of the type of work I do.

Speaker 3 (32:39):
I don't what kind of work do you do?

Speaker 10 (32:41):
I'm an electrician, okay, and so my work is I
don't get fired. Is this when it's done, it's done?
And you know the company I'm wing on they're waiting
to hey day.

Speaker 3 (32:52):
When you say you're an electrician, what does that mean?
Are you a journeyman or are you like a full
blown electrician? What does that mean that there's a.

Speaker 10 (33:00):
Different story in itself. I'm supposed to be a journeyman,
but I've been the company I was previously, didn't have
a master leticisan to sign off on them in my
house basically have to start.

Speaker 3 (33:10):
So okay, I mean there's a lot of companies out there.
I assume someone like fix It or Plumbline. These guys
higher I mean usually they're looking for people. I don't
know about electrical right now, But why is it so
hard to find a job?

Speaker 10 (33:27):
Well, for the most part, they're looking for what they
called the license of electricisms, people that are journeymen. Yeah,
now I'm printed and they can get those pretty much, Diamond. Yeah,
it's a license guy. Yeah, and that maybe the reason
of trying to find.

Speaker 3 (33:44):
Maybe it's time to find a different job.

Speaker 10 (33:47):
Yeah, I was, I was thinking about it. I don't
I'm how old are you? I'm in my forties, man.

Speaker 3 (33:52):
So I mean you got plenty of time in life
to switch up. I mean, what what do you think
is going on basically with you and your circumstance. I mean, really,
you're basically doing the same thing a year and a
half again that you did a year and a half ago.

Speaker 10 (34:08):
Honestly, I feel like it's targeted from past mistakes.

Speaker 20 (34:12):
Man.

Speaker 10 (34:13):
Next, I was four months unemployed and where we had
moved to four months Why unemployment? And that's just the
way to work until it was going Like the jobs
that we're getting they were you know, the offers I
was getting were like for twenty twenty one dollars an hour.
I have a familey of stick.

Speaker 5 (34:30):
So it's not.

Speaker 3 (34:31):
Yeah, but that's that's a hell of a lot better
than zero an hour. I mean, once you go through
unemployment correct, And once.

Speaker 10 (34:39):
I was realizing these things going on, I just decided
to step it up. And that's what I've been doing
since then.

Speaker 3 (34:45):
So where you working right now?

Speaker 10 (34:47):
I'm still electrician, okay.

Speaker 3 (34:50):
But you're not working every day all working every day?

Speaker 10 (34:53):
I just work at Knight's currently, all right?

Speaker 3 (34:55):
And how much do you think you could actually pay
per month for an apart without falling behind?

Speaker 5 (35:01):
Again?

Speaker 10 (35:03):
I can probably get around when it's just me. I'll pray,
make play around three twenty three without following behind.

Speaker 3 (35:12):
Do you have a spouse or do you have a
significant other that works as well? I assume with six kids,
someone's got to be watching the kids.

Speaker 10 (35:19):
Yeah, see he's a caregivers he uh.

Speaker 3 (35:21):
You know, God, you guys are in a motel right
now with six kids?

Speaker 8 (35:28):
What?

Speaker 10 (35:29):
I have four children?

Speaker 7 (35:30):
Yeah?

Speaker 8 (35:31):
Four?

Speaker 3 (35:31):
So six of you. Man, that's that's gotta be tough
as hell. What is it like two queen size beds
or something? I mean, really, that's got to be just
tough as hell. How old are these kids right now?

Speaker 10 (35:41):
There are twelven.

Speaker 5 (35:42):
Under twelven under yes, sir.

Speaker 10 (35:46):
Oh okay. The way the circletraptes work is like from
you know, we have this plan.

Speaker 3 (35:53):
Hold on Dan, Hold on, Dan. I am fascinated by
what's going on there, and that a minimal Suzanne, and
I wanted to you something for the kids here, but
we gotta find you a better living condition if possible.
I can only assume you're telling the truth and getting
your act together. Hold tight, and then, Vivian, we already
got an updated Julia coming up.

Speaker 12 (36:12):
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Speaker 13 (36:19):
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Speaker 12 (36:22):
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Speaker 5 (36:52):
News.

Speaker 2 (36:55):
So you don't have.

Speaker 3 (36:58):
Run anxiousnessass cam.

Speaker 1 (37:01):
Shooter's gonna help coming man.

Speaker 3 (37:05):
This is The Troubleshooter Show. No Tom Martino, Welcome, Welcome
to the only show of it's kind. We're here to
solve problems, answer questions, take complaints. Our goal is to
try to make your life a little bit better. We
got one line open three zero three Martino three Zho
three Martino. I do want to tell you about Waterproso

(37:25):
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Waterpros dot net once again. Waterpros dot Net now let
me kind of paint a picture here. We're going to
have back to Dane. We've had two people with apartment issues.

(38:23):
But poor Dane, he got evicted a year and a
half ago. There's six of them living in a hotel
right now or a motel, and I don't know what
we're going to be able to do for him with
two evictions on his record. But if someone out there
has maybe a basement or something where a family of
six can live. He's an electrician by trade and he

(38:43):
is working right now. But you know, it is what
it is. They fell on hard times. The kids are
twelve years and younger, and there's four of them. Of course,
with that many kids, I would assume as spouse can't work.
And then Julia, she called this morning and she had
a problem. We put her with Denver real estate moguls,
but she's got another issue that we'll get to in

(39:04):
a few minutes. And then I'm still dying to know
what's going on with Vivian and Vivian. I promise soon
as I finished with Dane in a second, we're gonna
go ahead and pull up this issue with Lotto Genius
in studio Jordan Keanu. We're gonna be talking about retirement
throughout this hour a little bit too, Jordan. It's a

(39:25):
big deal out there, man. You know, people start getting
anxiety the closer they get to retirement. It's kind of
scary thinking, Okay, I have this certain lifestyle. I'm used
to getting this paycheck every two weeks or every month
or whatever it is. I'm just used to it, and boom,
all of a sudden, at one point, it's not gonna
be there. Yeah, it's gonna It really does bring up anxiety.

(39:48):
So some of the things out there with annuities now
are magnificent. In fact, I would personally say everybody, and
I mean everybody, well most people, people that have some
form of retirement, for a one k ira whatever it
looks like a percentage of it twenty five thirty five
percent should be in an annuity. That is my opinion.

(40:10):
And I mean that having that guaranteed money. In fact,
we'll even talk to Deputy Doc. At some point, Deputy
Doc took a big lump sum of money and you
didn't want that, anxiety, Doc, and you bought an annuity
that was almost immediate, right.

Speaker 4 (40:24):
It was immediate. It covered my mortgage. Yeah, I could
sleep at night yep. And it was an incredible deal.

Speaker 3 (40:30):
And you can't outlive it. It's gonna be.

Speaker 4 (40:32):
The it goes up a minimum of three percent every year.

Speaker 5 (40:35):
Yep.

Speaker 4 (40:35):
If the stock market has gone more than three percent
over the past year, I get. Whatever the stock market has,
it can never go down. So it started at thirteen hundred,
it's up to two thousand and.

Speaker 3 (40:47):
L that's incredible. And once again, though, that payment of
two thousand a month will never go away till I die,
till you die, if you lived one hundred and twenty,
you're still getting it. Absolutely yeah.

Speaker 4 (40:59):
And it's AIG.

Speaker 5 (41:00):
So they're not going away either. No, AIG's not going anywhere.

Speaker 4 (41:03):
God.

Speaker 3 (41:03):
If they went somewhere, oh my goodness, I mean like
everything would be gone, you'd take you. That's like if
it woke up and Walmart disappeared. It'd be like there's
something going on in the world today. By far. Hey, Dane,
I'm not sure what we can do to find you
another place. If anybody out there does have a decent
sized room for rent, or a house or an apartment,

(41:25):
you can afford how much per month? Again, Dane, you
said maybe what fifteen hundred and two grand? I forget.

Speaker 10 (41:30):
I'm sorry, Yeah, around two thousand, But I'm really not
looking for helping that regard. I'm looking for help and
as far as getting like the investigation onto what caused
the first one with my wife?

Speaker 3 (41:43):
What caused?

Speaker 5 (41:44):
Whoa?

Speaker 14 (41:44):
Whoa?

Speaker 3 (41:44):
Whoa? What caused?

Speaker 12 (41:45):
What?

Speaker 7 (41:46):
Yeah?

Speaker 10 (41:47):
The person one was the two editions. One is in
my life name? She was under the.

Speaker 3 (41:54):
Yeah, but what do you mean you wanted an investigation
from a year and a half ago? Didn't you say
it through court?

Speaker 10 (42:01):
We were no, not this one the most recent went okay,
never went to court, winter court one time. They they
were in the after resolving and then come on to
the doors, like literally removed the doorknobs from the locks.
We call the police.

Speaker 3 (42:20):
Well, you're basically saying you're you're making the accusation it
was an illegal eviction? Correct, Well, it very well could
have been. But it was a year and a half ago.
What what would you possibly do at this point?

Speaker 10 (42:36):
We've been waiting for answers for that time.

Speaker 5 (42:39):
We've been from who.

Speaker 10 (42:41):
From the actual people that victed us.

Speaker 3 (42:44):
But why would they answer anything you have to say
when they kicked you out? I mean you would have
to hire an attorney to go after them.

Speaker 10 (42:51):
And that's what we've been trying to do. We haven't
had any success in any regard as far as.

Speaker 3 (42:56):
Why, But what do you try? My god, you've got
to explain this part to me. Why are you going
back in time a year and a half.

Speaker 10 (43:07):
Well, the reason why it's because we're being My wife's
being investigated for fraud.

Speaker 3 (43:12):
Now, great of wait, Dave, she's being investigated for fraud.
That has something to do with a year and a
half ago in an eviction.

Speaker 10 (43:24):
It's something that's what we're trying to find out.

Speaker 3 (43:27):
Well, okay, you're you're making you're starting to make no
sense to me. So who is looking at your wife
for fraud? Who who's accusing her of fraud?

Speaker 10 (43:37):
Let me let me the place where we were at
before is Muller Income Housing?

Speaker 3 (43:42):
Okay like section eight?

Speaker 8 (43:44):
Correct?

Speaker 5 (43:44):
Okay, all right?

Speaker 10 (43:46):
The thing is my wife's always worked with that time
any Okay, the people around her, and they got upset.
They get upset.

Speaker 3 (43:55):
I don't know what, Well, who are these people around her?

Speaker 7 (43:59):
Uh?

Speaker 10 (44:00):
I guess other residents said? You know, I have no
idea what that whole situation was about.

Speaker 3 (44:06):
Situation, So what happened did. Did the government get involved
and pull her voucher because they said it was fraudulent?

Speaker 10 (44:13):
No, with no vulture.

Speaker 7 (44:16):
It was.

Speaker 10 (44:17):
What we think is going on is that they were
upset with her getting into the place in the first place,
because they we've had nothing but animosity.

Speaker 3 (44:26):
But you're talking a year and a half ago, right, Yes, sir,
what is the relevance of it? Why are you fixated
on this? Are the cops or anybody involved in your
lives right now due to something that happened a year
and a half ago.

Speaker 10 (44:42):
Like I said, my landlord this time previously, he notified
me that there was an investigation going on for a
frond with my wife, and I'm like, what's going on?
And so that made him look at me suspicious because
he was the one that gave us the place in
the first place. Right, So they started looking at uf suspicious.
We're literally don't know what happened. I wish I could

(45:03):
take you answers.

Speaker 3 (45:03):
Okay, So if we pull your wife's criminal history spotless,
you're gonna say it's spotless, spotless.

Speaker 7 (45:11):
I say it's spotless.

Speaker 3 (45:13):
We're doing it. Hold on, get get Suzanne, get whatever
information I want. Both their info and then I want
to run a background check. I want to know what
the hell we're talking about here, because he's got me
so lost. Can anybody pieces together? Dmitri? Do you have
any idea what this investigation from a year and a
half into fraud has to do with anything going on

(45:34):
now period? Besides you're pissed?

Speaker 17 (45:36):
Yeah, I do have an idea, which is it's completely
irrelevant to this man's matter at hand, which is he
and four kids are stuck in a motel room and
he's fixated on some bologne that happened a year and
a half ago, whether it was just or.

Speaker 3 (45:48):
Or what happened a month ago he got evicted again
to shut the door on his past, and I mean,
like right now today and start providing for his family. Yeah, so, Dane,
I want to go back to you real quick here
and we will run that background check. But I am
trying to figure out what are you trying to accomplish
right now by even talking about this from me a

(46:10):
year and a half ago?

Speaker 10 (46:11):
Okay, there you go. Okay, So my issue with this
is like, like we should be entitled to some kind
of lawsuit or something. That's that's my angle.

Speaker 3 (46:22):
You should be entitled to some kind of lawsuit because
a year and a half ago you guys fell back
on the rent and got evicted.

Speaker 10 (46:30):
Oh sir, that wasn't the original one was not anything
to do with rent.

Speaker 3 (46:34):
Then what was it over? What was the eviction over?

Speaker 10 (46:37):
It was over my wife and not getting along with
neighbors or neighbors not. I have no idea. I still
don't know.

Speaker 3 (46:45):
Hold on, I gotta take a break, Vivian Julia Hold
type one line open three oh three Martino.

Speaker 12 (46:57):
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to seven to one help. You'll think you're his only

(47:19):
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 3 (47:29):
All right, three O three seven one three eight two
five five I let you know when the line's open.
By the way, Frank Duran, the real estate man. How
I love thee I love doing commercials for people that
not only have I used, but I respect and I
know they're the best in their field. Frank sells more
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(47:50):
ortors sell in an entire year plus, and he sells
them for more money. Ours in castle Rock was amazing.
He got a bidding war going on a Friday night.
By Monday we had fifteen great offers and then we
started cherry picking which ones. Then he created a bidding
war on all of them, and the price just went

(48:13):
way up, skyrocketed. In fact, he sold our model home,
which there were lots of in Red Hawk in castle Rock,
for more than any other one at the time. Absolutely amazing.
He even goes to school. How many relators go to
school every single year to learn how to negotiate better.
He's a machine and he's one of the nicest guys

(48:35):
you'll ever meet. Frank Duran homes dot com. That's Frank
Duran homes dot com. Now back to Dane real quick,
let me lock him in. But Mark, I'm gonna bring
you up. You've got to comment on evictions. We've had
a couple of calls today on him. What's your comment, Mark,
And I've got day up with us Mark, Yes, what's

(48:59):
your comment? Non evictions?

Speaker 5 (49:00):
Mark?

Speaker 22 (49:04):
The evictions that we're seeing down here in Pueblo are
is if the property or homeowner doesn't fix issues that
have been found during an inspection, yep, and they'll no
longer be able to partake in the Section eight vouchers.

Speaker 8 (49:19):
So what they're doing is they're just evicting the people
and hopefully they can get a regular tenant.

Speaker 5 (49:24):
Wow.

Speaker 3 (49:25):
You know, Denver is kind of doing the same thing.
In fact, you have to have some kind of a
license now pernal and they send in the gestafo to
check it out and make sure everything's good. You know
what I'm saying. I didn't know Pueblo was already doing that.
You know what drives me nuts?

Speaker 8 (49:47):
Go ahead, Mark, We've had two We've had two friends
that got evicted because heating issues in their apartments that
they were living in and because the property the owner
wasn't going to think that they couldn't take vouchers anymore.

Speaker 3 (50:04):
Yeah, So it's kind of a double edged sword, like
you want to heat the work, of course, but you
don't want to be out on the street. I mean
it's kind of crazy.

Speaker 8 (50:13):
Yes, yeah, you know that's well, maybe that's why that
person's being investigated.

Speaker 7 (50:18):
You know, all of a sudden, the property.

Speaker 8 (50:20):
Owner couldn't take their certificate for Section eight, and they're
thinking they did something.

Speaker 3 (50:26):
Susan, did you go with us? Did you go with
me to that hell hole down by Rockies Auto years ago?
Did you go to that? I believe so, Oh my god.
I called Denver up and we were going to have
the whole place shut down. There was people living in
truck toppers. There was people carrying buckets of water back
and forth. That was their water. There was people that

(50:48):
didn't have electricity because they were living in a nineteen
seventy five Scooby Doo van. It was the worst place
I ever saw. They actually took single wides and partitioned
to where there was three different units than they were
running those out like with the community bathroom. It was
the most illegal piece of crap park I ever saw.

(51:10):
I call up Denver, I get them involved, and one
guy calls me back. He goes, well, I guess we
can shut it down. I wonder where all those people
will go, though, And I started thinking about it, so
I dug into it. I said, well, what do you
mean by that? He says, there's nothing else for them.
They much rather have that little hell hole where at
least they can lay their head down at night in
the same place and feel somewhat safe. Now, I didn't

(51:33):
feel safe there, in fact, one of those partition ones.
Do you remember what they found in it, Susanne, I don't.
A dead body that had been there for two weeks.
That's when the call originally came into the show, and
I said, there's no way this could be real. And
I went out there and it was real.

Speaker 5 (51:51):
Is real?

Speaker 3 (51:51):
God, But I learned a big lesson. Yeah, Denver could
have shut him down. But all these people, and we're
talking fifty to one hundred people, even some with small kids.
Why they could even have small kids living in a
truck topper, I have no idea. But it was better
than living on the street in the middle of the winter.
No matter what, it was better than that. So there

(52:12):
wasn't much we can do now. Dane, I'm not quite
sure where to go with you, though. I don't think
you should even think about what happened a year and
a half ago anymore. I think you need to figure
out how to get an apartment, get the kids and
the wife out of that motel, and kind of move
on from there. Brother, I don't have any magic number
of anybody that's going to go investigate your landlord from

(52:35):
something that happened a year and a half ago.

Speaker 10 (52:38):
Okay, that's kind of where I was a, yeah, you.

Speaker 3 (52:41):
Need to move on now, saying that I do want
to do this, Kelly. I want their information and the
sexes of the kids twelve, give me the different ages,
and Suzanne and I are going to get some gifts,
and I want to be able to get them over
to that motel before we split down. So get whatever
information we need and we'll go from there. I'd like

(53:03):
to do that for your kids to day, No big deal,
just say they're from you, guys. Whatever. Three oh three seven, one,
three eight, two five five. We've got a ton cooking, Vivian.
I want to know what lotto genius is. Then we
got to take a break, but we're gonna help you.
What is lotto genius?

Speaker 16 (53:22):
Well, hey, thank you for taking my calling. I'm up
here in Maine.

Speaker 3 (53:27):
And now when you say Maine, is that Maine Colorado?

Speaker 20 (53:34):
No, Maine, you're at the state of Maine.

Speaker 3 (53:36):
How did you start listening to the show? Did you
live here?

Speaker 16 (53:41):
Yes? I did, and I lived there until two thousand
and three. Listened to Tom Martinez every day.

Speaker 3 (53:45):
Very cool.

Speaker 16 (53:46):
And when this, when this problem came up, I had.
What I did was I was trying to make h
I wanted to win the lottery.

Speaker 3 (53:59):
Well me too.

Speaker 16 (54:00):
So all of a sudden, this thing pops up and
it says lotto genius.

Speaker 3 (54:06):
When you say pops up? Or what was it like
on Facebook? Marketplace?

Speaker 15 (54:10):
What?

Speaker 3 (54:10):
What do you mean pops up?

Speaker 16 (54:11):
It was on it was on I think it was
on Facebook, Okay.

Speaker 3 (54:16):
And so this advertisement pops up and then what yes?

Speaker 16 (54:21):
And so I clicked on it. And at that time
they were talking about how they could predict the lottery
numbers based on certain formulas. Sure, and then they showed you,
and so I found for it, paid them a one
hundred and fifty five dollars, which was a deal from
one hundred and ninety seven.

Speaker 3 (54:40):
Oh and with all the money you could win, I mean,
my god, I know that.

Speaker 16 (54:44):
Was just like a drop in the bucket. So let
me tell you, Mark, it was like only three weeks
I was able to access their website, and then and
then my spectrum shut it down that it was that.

Speaker 3 (54:59):
Your internet thattrum our cable.

Speaker 10 (55:01):
Yes, it's our cable provider.

Speaker 3 (55:02):
So they shut them down, Meaning what does that mean
you can't go to their website anymore? That's right, Well,
what is their website? What is the website?

Speaker 16 (55:14):
Because they feel like they are harmful to me?

Speaker 15 (55:17):
Yeah?

Speaker 3 (55:17):
But who wait a minute, hold on a second, cat,
There's so many layers to this. I have never heard
of someone like Comcast or Infinity or Starlink or any
any Internet service deciding to stop showing a website. Am
I the only one?

Speaker 8 (55:35):
Now?

Speaker 3 (55:35):
I'm not talking about criminal stuff. Maybe this is criminal,
but I've never heard of like the actual ISP getting involved.
I can't wait to dig into this a little further.
Right after this break, I promise we'll come back. Maybe
we can help you get your one hundred and fifty
bucks back. But I myself, you probably didn't realize this.

(55:55):
You probably didn't, Vivian, But I just crunched the numbers
talking to you, and this power ball that's going on
out here right now is one point one billion dollars
and I ran the math, and all I have to
do is purchase two hundred ninety two thousand, two hundred
and one, three hundred and thirty eight tickets. I'm sorry,

(56:18):
mill two hundred ninety two million, two hundred and one thousand,
three hundred and thirty eight tickets for two dollars each,
for a total bill of five hundred and eighty four million,
point four, four hundred thousand dollars four, five hundred and
eighty four million, four hundred thousand dollars. And I could,
if I was the only winner, take one point one.

(56:43):
That's guaranteed money right there.

Speaker 17 (56:44):
No, you can't take that's it's five hundred million in
cash or one point one and an annuity. But the
bigger question mark is we're you going to store all
those tickets? And how long will it take you to
calm through them to see if.

Speaker 3 (56:55):
You want to probably make me do it? Funny funny enough,
funny enough, they actually go on to say, and when
I say they my own thoughts, my own thoughts, the
people in your voice say their people in my head
go on to say that this most likely would never
happen because of exactly what you just said. You're not

(57:16):
going to find a place from now until the powerball
where you could possibly have all those tickets printed. No,
you're not gonna find it's insane. Now, okay, here's the
only here's the worst part though, if someone else, when
you're done right, you're you're cooked. What else if you
split it by four? Now you're half a half a

(57:39):
billion dollar investments? Looking a little foolish? Now, how about
if it was scratch tickets? Well, what about scratch?

Speaker 5 (57:49):
I don't know.

Speaker 12 (57:50):
Hold on, Go with a sure thing Denver's best roofer
Excel Roofing dot com.

Speaker 13 (57:59):
You don't pay a cent until you're content.

Speaker 12 (58:04):
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 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 3 (58:27):
All right three O three seven one three eight two
five five don't forget to join us US on YouTube
and go to YouTube dot com. Of course, type in
Troubleshooter Network. You'll find us live, and we're here all
the time. We're talking about the lottery right now. But
we do got one line open. I want to give
that number of three oh three seven one three eight

(58:47):
two five five three oh three. Martino, you've been ripped
off taking advantage of We want to hear from you
this deal though with Lotto Genius. She sees something on
face Book, an advertisement for it. She spends I believe,
she said, Vivian, you said one hundred and fifty bucks, right,

(59:09):
one hundred and.

Speaker 21 (59:09):
Fifty five dollars in the kicker is mark is that
they're the only reason that you are connected to Maine
is because their newsletter comes out of Aurora, Colorado.

Speaker 16 (59:23):
But everything else is shut down. There's no phones, there's
no way.

Speaker 3 (59:28):
How do you pay for it? How do you pay
for it.

Speaker 16 (59:32):
By by my credit card?

Speaker 3 (59:33):
Well, why don't you just dispute the credit card? Call
it done, call it over.

Speaker 16 (59:37):
I did, But they won't. They say there's no way
to return my money, not by PayPal, not by certified mail,
not by stop a new card.

Speaker 3 (59:51):
Vivian, so you put it on a Visa master card?

Speaker 5 (59:54):
I assume.

Speaker 3 (59:56):
Yes. And then how long ago was that.

Speaker 15 (01:00:01):
That was?

Speaker 16 (01:00:01):
In September, but then I had to change cards because
of this.

Speaker 3 (01:00:06):
Well, what do you mean?

Speaker 16 (01:00:07):
When I disputed the change and I tried to give
them my new I wanted to tell them that I
had to change cards. Then all of a sudden, sorry,
we can't give you your money back.

Speaker 3 (01:00:18):
Vivian, You've got my head just confused. So help me
out here. It's only a one time charge. It's not
per month, right, or is this per month?

Speaker 16 (01:00:28):
Well? I paid one hundred and fifty five, and then
I started getting another charge of twenty nine to ninety
nine every month.

Speaker 3 (01:00:36):
Okay, stop, and I don't know where it was coming from.
That's when you called the credit card company.

Speaker 16 (01:00:42):
Yes, that's when I told my bank there's a problem here.

Speaker 3 (01:00:45):
And then what did your bank check down? Did they
reverse it so you got a provisional credit?

Speaker 14 (01:00:52):
No?

Speaker 3 (01:00:53):
They did it? Why?

Speaker 21 (01:00:55):
No?

Speaker 16 (01:00:56):
No, because I didn't be because I got a new card.
And then I disputed the charge of one hundred and
fifty five dollars.

Speaker 3 (01:01:06):
Okay, did you get that?

Speaker 14 (01:01:09):
No?

Speaker 3 (01:01:10):
Why why did they not give you your money back?

Speaker 16 (01:01:17):
I don't know, Mark, somehow, I don't know.

Speaker 4 (01:01:23):
Is the car the card?

Speaker 3 (01:01:26):
It doesn't it, but it's still the same bank, Doc,
I mean, oh.

Speaker 4 (01:01:29):
I know, but that's they're saying that the card was discontinuing.

Speaker 3 (01:01:32):
What kind of credit card was it, Vivian?

Speaker 16 (01:01:36):
It was a debit card through my credit union.

Speaker 3 (01:01:39):
That's why.

Speaker 16 (01:01:40):
When did you when I saw these weird charges.

Speaker 3 (01:01:44):
Vivian hold on a second Vivian. Vivian, it's a debit card.
Did you actually give a pin number? Or you used
it like a credit card?

Speaker 16 (01:01:53):
I use it like a credit card.

Speaker 3 (01:01:54):
Okay. So then you called up after you saw this
twenty nine dollars charge, You called up your credit union
and you told your credit union my credit union, and
what did What did they say?

Speaker 16 (01:02:05):
They just viewed those two charges and gave those back,
but not the one hundred and fifty five dollars because it
was on a different card.

Speaker 3 (01:02:12):
Okay, but it was still through that credit union. Yes, sir, so, Doc,
you actually nailed that. So here's what we need to do. Doc.

Speaker 16 (01:02:21):
Would you nailed the place I sent you guys the
address in Alara, Colorado with the newsletter?

Speaker 3 (01:02:27):
Don't I don't care about this genius thing. You got
to handle it through your credit card company. You need
to be able to get that back and your checking
account or whatever. The debit cards connected to what what
is the name of the credit union, Vivian.

Speaker 16 (01:02:43):
It's Cboard.

Speaker 3 (01:02:44):
I haven't heard.

Speaker 16 (01:02:44):
It's in Herman, Maine.

Speaker 3 (01:02:47):
Am I going crazy here, Demetria? Or does this sound
like a pretty simple damn thing? I mean, she changed
credit cards, I get that big deal. It still goes
back to the same account it's connected to.

Speaker 17 (01:03:00):
Yeah, in fact, I personally had that experience just a
few months ago.

Speaker 3 (01:03:03):
How did you handle it?

Speaker 17 (01:03:04):
So it was on a debit card, just like hers,
and there was an unauthorized charge on it, so I
disputed the charge. I also had them deactivate that debit card,
got to lace it well. Eventually, when I got my
money back, it was credited to my account, even though
it originally went out on a different debit card number.

Speaker 3 (01:03:22):
When Vivian, when you talked to your credit union on
the phone about the one hundred and fifty five dollars,
why do they say they will not give you a credit,
or at least a provisional credit.

Speaker 16 (01:03:37):
Because the company was flagged as harmful? Okay, God, that's
the entire reason the protection for the credit card exists.

Speaker 3 (01:03:52):
That doesn't make sense. They're saying, oh, it's a bad
fraudy link company. Therefore they're going to keep your money.
You have no protection, Vivian. That made zero sense to me.

Speaker 17 (01:04:02):
Mark, I can offer a little insight. I think Vivian
conflated two issues. The flagging came from her internet service
provider because they identified this as a scamp.

Speaker 3 (01:04:11):
Wait. Wait, is that what you're saying, Vivian, Yes, sir, okay,
so once again. Then your credit card company when it
comes to the one hundred and fifty five dollars, why
do they say they won't give it back to you.

Speaker 16 (01:04:31):
Because it was on a different card than I fell
for it?

Speaker 3 (01:04:36):
Okay, let's do this. Let's do this. Go ahead.

Speaker 4 (01:04:42):
Have you gone down to your credit union in person
and sat down with somebody and tried to explain it
face to face?

Speaker 3 (01:04:50):
Probably not, rather than on Mathew, Vivian, No, I guarantee
you if you do that. Is there a branch near you?

Speaker 12 (01:04:59):
Well?

Speaker 3 (01:04:59):
That has to because I mean your credit union. I
belong to a credit union with one location in Tulsa, Oklahoma.

Speaker 4 (01:05:06):
Okay, I just is there is there an office near you? Yes,
go down there in person, face to face?

Speaker 3 (01:05:14):
Can you go down there today? Like right now? That
way we've We've got two hours in fifteen minutes. Here's
what I'm saying. If you get down there and they're
not going to give it back or explain why, we'll
get involved right now, well go throw some sweats on it.

(01:05:40):
Go oh okay, leave.

Speaker 16 (01:05:42):
I can't leave my client.

Speaker 3 (01:05:44):
Can you all right? Hold on, I'm gonna do this,
Deputy d Would you have a three way conversation clause
Deputy Dimitri just left the building. Would you please have
a conversation with her, Yes, and the credit Union of course,
and figure out exactly what they're saying, because the entire
reason for the protections from Visa Masscard discover Amex is

(01:06:08):
for exactly this fraudulent. The company's fraudulent. They're they're offering
something that they can't even give. They're saying, you can
get to the website. No, she can't get to the website.
And the other thing I do want to say, we're
going to help you off off air, hopefully you know today, Vivian,
after the show whatever, Dimitri's gonna call you and we're
going to try to figure out what direction to go

(01:06:30):
on this. And he's very good at this stuff. But
in the future, if someone is telling you they can
predict the lottery numbers. No one can do that with
the exception of like what I was talking about is
where you buy every single possibility of where the numbers
can be. Do you know what I'm saying?

Speaker 4 (01:06:49):
Right?

Speaker 16 (01:06:51):
Right? So, let me just ask you some question. Why
does the newsletter that comes out of a Roar Colorado
not matter to you? Answer that, give you a location
where these people might be working.

Speaker 17 (01:07:03):
I already looked up the location. It's a fulfillment service.
It's not an office. It's shipped offers, which is a
fulfillment service. They mail stuff out for you. I also
looked up a lot of Genius, well with a Colorado
state you know the state Secretary's office. Sure there is
no registration for a lot of Genius. Yeah, so it

(01:07:23):
doesn't seem to exist.

Speaker 3 (01:07:24):
It's an absurdity. That's why you have a credit card,
and for people listening, that's why you don't use PayPal,
and you don't use other things. You never use a
wire transfer getting a wire transfer back is it's impossible.

Speaker 2 (01:07:37):
Shouldn't you really not use your debit card?

Speaker 7 (01:07:39):
Mark?

Speaker 5 (01:07:39):
Right?

Speaker 2 (01:07:40):
I want your bank account, man.

Speaker 3 (01:07:42):
But at least and never ever I don't care if
you're at King Soupers, don't put in your debit card
pin number. There's things out there that can read them.
Simply don't do it. Maybe at an ATM that would
be about it. And I'm even leary you that I
simply don't use a debit card. Well occasionally, all right,

(01:08:03):
three oh three seven one three hold on Vivian three
oh three seven one three eight two five five. So
for the one point one billion dollar power Ball once again,
you'd have to buy two hundred and ninety two million,
two hundred and one thousand, three hundred and thirty eight
tickets at two bucks each, totaling over five hundred and
eighty four million. And then to your point, Dmitri, Yes,

(01:08:28):
what's my point? Your point was, if you took the annuity,
you would get the full amount, but if you took
the cash you would only get it's like a five
hundred and three. Yeah, so you lost money right off
the bat. And then if anybody else won with you,
anybody else had the same bright idea and happened to

(01:08:49):
have half a billion dollars they were.

Speaker 5 (01:08:52):
Going to be using.

Speaker 3 (01:08:53):
You know, I mean, I don't know any I know
people with money, but not a half a billion dollars.
So and if that happened, then you'd really be screwed
because you'd be split in the five hundred million. Now
you only got two hundred and fifty million, you're out
a quarter of a billion dollars.

Speaker 4 (01:09:09):
Don't you have to pay tax on that? Also?

Speaker 14 (01:09:11):
Oh?

Speaker 5 (01:09:11):
Yeah?

Speaker 3 (01:09:12):
Plus doc, very good point. Then you've got to pay
at least probably half in taxes. I would guess why
wouldn't let let me ask you guys something? Uh, Jordan,
you might know about this simply because you guys sell annuities.
Why do people always take the cash? I got to
take this break hold.

Speaker 12 (01:09:33):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 13 (01:09:37):
You don't pay a cent until you're content.

Speaker 12 (01:09:43):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with remat Alliance three
oh three nine two zero sixteen twenty two.

Speaker 3 (01:10:04):
All right, look, I ran up against the clock. What
can I say? We got two hours to go, that's
for sure. Two lines open. Get your calls in now
three oh three Martino, Julia Vick, You guys are up next,
I promise three zero three Martino.

Speaker 12 (01:10:38):
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 13 (01:10:42):
You don't pay a cent until you're content.

Speaker 12 (01:10:47):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three, seven
to seven to one help. You'll think you're his only
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 5 (01:11:12):
Ripped of.

Speaker 1 (01:11:15):
News need advice, you don't help, come running just as
as as we can. Show Shooter's gonna help Come ma.

Speaker 19 (01:11:28):
Is the Troubleshooter Show Now, Tom Martinez, Welcome, Welcome.

Speaker 3 (01:11:33):
My friends to the only show of its kind. We're
here to solve problems, answer questions, take complaints. Our goal
in life is to make your life just a little
bit better. We've had all kinds of topics today. We've
been talking about gambling. How that came up, and we're
trying to get one of our experts on by the way,
Eric Reinomere. He's an accountant by trade that we've known forever,

(01:11:57):
but I'm hoping we.

Speaker 5 (01:11:58):
Can get him up.

Speaker 3 (01:11:59):
I have got moreultiple questions now on gambling in taxes,
and I really would like to understand them how they
all came up. As this poor lady got suckered into
getting a subscription to this gambling Genius or lottery genius
program that she saw advertised on Facebook. She paid one

(01:12:22):
hundred and fifty five dollars and then they started charging
her twenty nine dollars a month in addition, but they
charged her one hundred and fifty five bucks because apparently
they know the lottery numbers, they know you know how
to win, which is like, I'm not going to get
into that aspect of it, but I mean it's crazy.

(01:12:42):
I think I rather believe the Farmer's Almanac when it
comes to gambling than I would this freaking thing for
one hundred and fifty five bucks. It's absolutely crazy. Now,
I want to tell everybody real quick about Paul the Waterman.
It's incredible. He literally has listen to this. Paul literally

(01:13:05):
has systems that costs less in the competition by fifty
sixty percent. You can get a whole house filtration system,
no more of those plastic chemicals in your water anywhere,
including the shower, a whole house. It's going to get
rid of the chlorine. It's going to soften the water,
which will help the pipes. And here's the coolest part.

(01:13:26):
You also get a reverse osmosis point of view system
at the kitchen sink. All that for less than forty
six hundred bucks. You're not going to find anything close
to that for less than ten grand. Suzanna and I
got one of his systems. Got It's been in about
three years. We love it. Paul the Waterman his website

(01:13:47):
waterpros dot net, water pros mark got net.

Speaker 2 (01:13:51):
Yes, we have Eric Reinobron, but he is limited in time.

Speaker 3 (01:13:54):
Hey, Eric, I'm glad I can get you real quick.
Help help me out and help me understand how gambling
works now that it's legal in Colorado.

Speaker 5 (01:14:02):
Through these apps.

Speaker 3 (01:14:03):
If if I win ten thousand dollars in any given
NFL season, what has Colorado charge me on that. How
does that work?

Speaker 5 (01:14:12):
How?

Speaker 3 (01:14:13):
How does it work?

Speaker 18 (01:14:15):
Yeah, if you have gambling, if you have gambling winnings,
you're gonna get a ten many nine into the air
and it's tax income.

Speaker 3 (01:14:22):
Yeah. So but when I go to Vegas, unless I
bet over ten thousand dollars, there's no paperwork involved. So
in Colorado it's simply not the same. If I bet
five grand and win five grand on a football game
and then cash out, or even don't cash out, they're
going to give me a W nine for that five grand, right, Yes,
Now what ms If I lost five grand in Las

(01:14:45):
Vegas the month before? Does that? Does that even steven?

Speaker 10 (01:14:49):
It?

Speaker 3 (01:14:49):
I have losses?

Speaker 7 (01:14:52):
Yeah, you can.

Speaker 18 (01:14:53):
You can take this way where you can take your
losses up to the amount of your reported winnings. So, yes, losses,
you get the net amount.

Speaker 3 (01:15:02):
So you get the net amount. I can't figure out,
for the life of me why I ended up paying
taxes on two things in Las Vegas from two casinos
because Mallory, you know, Mallory. Mallory told me simply, I'm
not going to be able to offset it, and I
don't understand why I got to ask him. I got
to ask him and understand it, because that's not what

(01:15:23):
you're saying. You're saying you can take losses for the
amount of winning. So why wouldn't anybody if they won
ten thousand on a W nine in Colorado betting on
the Broncos this year, and there's probably lots of them
out there, why wouldn't they simply say I lost ten
grand on a slot machine in Vegas in January.

Speaker 5 (01:15:44):
Yeah.

Speaker 18 (01:15:44):
Well, now I'm talking about as a federal level. Maybe
maybe Colorado is being ordering and saying, well, that was
a Vegas loss, it wasn't a Colorado face loss.

Speaker 10 (01:15:55):
So I talking at.

Speaker 18 (01:15:57):
A federal level. It could be that that's true at
the state level, where the state they want their money
and they don't let you take a Novada loss against
Colorado income.

Speaker 3 (01:16:07):
That's probably what's going on. And I'll tell you what
really drives me crazy. You know, you walk up to
a table game or walk up to a sports book
in Vegas, like I said, and less if it's over
ten grand, that they just they don't care that you
simply if you sat down with five grand and got
up with ten grand, there's no W nine because they
have no idea how much you won or lost prior

(01:16:29):
to that. I mean, it's kind of ridiculous. But in
Colorado they're doing it different.

Speaker 5 (01:16:34):
Man.

Speaker 3 (01:16:34):
I'm telling you, we got to figure out what they're
doing on the sports book here, because if you even
win one thousand bucks here, you're going to get a
W nine right yeah? Or ten ninety nine. Yeah, that's
that's absolutely bonkers to me. I don't get it. And
the other thing I don't understand about. Maybe you can

(01:16:54):
shed light on it in Vegas. Like I said, on
the table game, but if you hit a slot machine
for like thirteen hundred dollars, they give you a ten
ninety nine.

Speaker 7 (01:17:05):
Right.

Speaker 3 (01:17:05):
But if but but but but but if you walk
up to a blackjack or roulette and put down two
grand and win two grand, they don't give you one.

Speaker 18 (01:17:16):
Uh yeah, that's weird. I don't know why they wouldn't
be consistent across the board. I don't know who the
Mallory is your I bet Mallory knows this stuff inside out.

Speaker 7 (01:17:25):
He probably knows what he's talking about.

Speaker 3 (01:17:26):
Well, you said, Perfe, not only is he an accountant,
but he's a professional poker player. Double trouble, double trouble.

Speaker 5 (01:17:34):
Not a very good one.

Speaker 3 (01:17:35):
Ah, Eric, I appreciate you coming on real quick man,
and uh take care. That's Eric Rhinimeir. These guys at
Atlas CPA not only do they do taxes, but they
can help your entire company out. They can do the
payroll stuff for you. They just do it all. They're
great people at Atlas. You can check him out at
three oh three seven nine nine nine one one one

(01:17:57):
three oh three seven nine nine nine one one one. Now, Vic,
what is going on with you? We have two lines
open three oh three seven one three eight two five five.
Anything you got going we want to hear about it.
Three oh three Martino, Hey, Vic, what's going on? It
says you have a comment on the dryer. What is that?

Speaker 7 (01:18:17):
Well, I heard you. I was watching on YouTube and
you guys said you were getting new washing dryer. And
I heard you say does ebody want a dryer?

Speaker 3 (01:18:25):
Yeah, that's exactly what I said. I thought for a minute.
I looked at Tuesday and I said, jeez, that I
say that on air. But okay, yeah you heard it
on YouTube.

Speaker 7 (01:18:33):
Yeah. I've had a Ken Moore washing driver for thirty
years and of the drawer went out.

Speaker 5 (01:18:39):
Oh no, kidd, yeah, Ked Moore thirty years.

Speaker 7 (01:18:42):
Finally the drawer went out.

Speaker 3 (01:18:43):
You know we were we were talking about that, the
old ones by Ge and Whirlpool, I mean, going back
thirty years. Those things would last thirty years.

Speaker 7 (01:18:52):
Oh yeah, yeah. I checked out home people for dryers.
I couldn't afford it, but I told the salesman that
I had a Ken Moore. He was both the last
thirty years. I said, that's right.

Speaker 3 (01:19:02):
Well, this one's one of those front what do you
call it a front load or dryer?

Speaker 15 (01:19:06):
Yeah, sure is.

Speaker 2 (01:19:07):
It's electric mark.

Speaker 3 (01:19:08):
It's nice as.

Speaker 5 (01:19:09):
Hell, man.

Speaker 3 (01:19:09):
I mean it's ten years old, but it works perfect.

Speaker 7 (01:19:12):
Well I've been drying my clothes on my bedspread.

Speaker 3 (01:19:14):
So well, it works better than a bedspread. How are
you going to get it?

Speaker 7 (01:19:19):
I got to pick up.

Speaker 2 (01:19:21):
Yeah, do you have somebody who can help you load
it up?

Speaker 3 (01:19:24):
And whatnot?

Speaker 19 (01:19:25):
Not?

Speaker 3 (01:19:26):
I'm not getting involved in that part. I'm more than
happy to give it to you, but I'm not getting.

Speaker 7 (01:19:30):
Involved in the Yeah. No, yeah, I've got two sons
that would help me out. There you go, But I
only do my laundry twice a week.

Speaker 2 (01:19:38):
So and what town do you live in?

Speaker 5 (01:19:42):
Okay?

Speaker 2 (01:19:42):
Because we're out in Frank Town.

Speaker 3 (01:19:44):
Right right, Yeah, it's yours. If you want it, it's yours.

Speaker 20 (01:19:48):
Hold On, Kelly, send us, send me his information and
I'll reach out.

Speaker 3 (01:19:52):
And we're going to run a criminal background check on
you first. Just kidding.

Speaker 12 (01:19:55):
Hold on, go with a sure thing Denver's best roofer
Excel Roofing dot com.

Speaker 13 (01:20:05):
You don't pay a cent until you're content.

Speaker 12 (01:20:11):
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
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Speaker 13 (01:20:29):
Oh three nine two zero sixteen twenty two.

Speaker 3 (01:20:33):
All right three O three seven one three A two
five five three zero three Martino, you've been ripped off
or taken advantage of? You got three lines open love
to hear from you. Three zero three Martino. Jo Chiano
joins us by the way my Moneymway dot com, and
we're gonna be talking about some annuity products and talking

(01:20:53):
about retirement in general. In fact, if Tom and I
got into a little bit of an argument last week
over annuities, and I want to kind of I have
done so much research on them in the past six days.

Speaker 5 (01:21:09):
It's just insane.

Speaker 3 (01:21:11):
In fact, Joe, I gotta say, I know more about.

Speaker 5 (01:21:14):
Him than I want to know about him.

Speaker 1 (01:21:16):
That's good.

Speaker 3 (01:21:17):
Well, hit your mic there, that is good. Yeah, it
is good. You have to do your research on them.
So we're going to talk a little bit about that stuff,
but just retirement in general. You know, I'm to the
point now at fifty three, I can't see myself retiring.
I just don't even know what that looks like. Like,
what does that look like like? Doing? What? What do

(01:21:38):
you do? How old are you? Joe? You don't mind,
Come on, okay, and you're not retired.

Speaker 5 (01:21:45):
You're still retired.

Speaker 3 (01:21:47):
That's what I'm saying, Dmitri, what's retirement look like to you?
Do you see it in your brain? Just like this?
I mean, I don't intend to slow down. Yeah, I know,
And I think that's where people start dying.

Speaker 17 (01:22:00):
Do you know who suffered a really terrible way to
go retired? Bought a big TV and sat on the couch,
and that's how they go, That's how they go and
you know, not the way I want to, So go
as busy as possible.

Speaker 3 (01:22:13):
Doc, When did you retire about ten years ago? Ten years?
So you practiced for how long?

Speaker 4 (01:22:19):
From eighty three until two thousand and fifteen?

Speaker 3 (01:22:23):
Let's say, cah, that's a long run. If being a
baby doctor, it sure was, that is a long run. Well,
we'll dive into that stuff in a second. Julia, three
h three Martino, Julia called this morning. I'm not sure
what's going on here, but Julia called up? Did she
call back, Kelly? What did she call back for? Correct?
She has some other questions? Okay, that's fine. So she

(01:22:46):
called up this morning, in fact, I think first call
we took. And she's getting evicted from an apartment where
she's only got a thirty day a lease and she's
only been there, if I recall, since January or February.
But what's your other question? Julia? Did you reach out
and talk to where? I got over at Denver real
estate moguls?

Speaker 11 (01:23:08):
So I try to reach out to them, and I
can't get ahold of them. But I did find a realtor. Okay,
she's willing to work with me on my credit and
with the dogs and everything, and we found the house nice.
The only thing is because I had to get caught
up back rent, I am struggling to get a security deposit.

Speaker 6 (01:23:24):
In first month's rent.

Speaker 11 (01:23:26):
So I have a goalth on me and I'm asking
for any help possible because I have to the end
of this month to get out of this place and
secure another place. If there's any way anyone can help
me and my kids, I greatly appreciate it.

Speaker 3 (01:23:38):
Well you could. I don't mind if you give it out.
Go ahead, Susanne, you look well.

Speaker 22 (01:23:42):
I was just.

Speaker 20 (01:23:42):
Gonna say, if she wants to email the link, we
can maybe post it.

Speaker 2 (01:23:46):
If you want.

Speaker 3 (01:23:47):
Yeah, I don't care if we post it. I mean
it is what it is.

Speaker 5 (01:23:51):
Julia.

Speaker 3 (01:23:51):
I find it a little strange. Two hours ago you
didn't have a place to live. Now all of a sudden,
you do.

Speaker 6 (01:23:59):
I out to a realtor called Eddie Ellington, okay, and
she's the one that is helping me with everything.

Speaker 3 (01:24:07):
And are you buying a house, you say, a realtor.

Speaker 11 (01:24:10):
No, no, no, no, no, I'm not buying a house.

Speaker 6 (01:24:12):
I am renting, okay for to buy a house.

Speaker 3 (01:24:15):
So does she manage properties or he managed properties or something?

Speaker 6 (01:24:19):
She managed properties. Okay, then she found I was looking
on Julia for houses, sure, and I ran into her.

Speaker 3 (01:24:27):
All right, well just make sure you do a little
due diligence for you sign the lease. But yeah, you
can email that over and then, Suzanne, it's your prerogative.
So I don't know what do you guys make of that?

Speaker 5 (01:24:37):
Go ahead?

Speaker 3 (01:24:38):
Honestly, what do you make of that? Am I the
only one on am I the only one on earth
that just says what they feel? Sometimes?

Speaker 4 (01:24:50):
You know, there has to be a way. And I
don't know what it is exactly, but there's so many
rental scams that go on with the people who suppose
the renting the house, yeah, aren't really the owners. They
get your deposit and they walk away.

Speaker 3 (01:25:03):
Well that's what I'm afraid they could happen.

Speaker 20 (01:25:05):
So then we help her with some money and she
ends up scammed to add.

Speaker 3 (01:25:10):
But I go even further down. I'm saying, we talked
to her, Kelly pick up and get her information place.

Speaker 4 (01:25:18):
If it's if it's a license realtor, I would be
much less suspicious. Yeah, I mean, she's not doing it
on Craigslist. If the sky Old Girl is her license realtor. Yeah,
I think that that sounds a scam part.

Speaker 3 (01:25:32):
Yeah, I was trying to get let's see there she goes.
Now Kelly picked up. The reason I wanted Kelly to
pick up is because now she can't hear me. I
find it really odd that her first call this morning
all of a sudden, Now is it go fund me?
I mean, you know what, so people, we are gonna
post it. If you want to donate, go ahead. But

(01:25:53):
I'm telling you right now, I find it odd. And
that's what I was asking Dimitri. Is that odd to
you or no?

Speaker 17 (01:25:59):
Yeah, it's well sounds I do understand both sides, So
I can understand mean both sides.

Speaker 3 (01:26:04):
I'm simply stating what I'm thinking right now.

Speaker 17 (01:26:07):
Oh right, right right, So I do understand what you're thinking,
and I also understand while this lady who's maybe in
her desperate hour, is also trying to find an alternative
solution to what she considered this morning.

Speaker 3 (01:26:17):
Yeah, well, I'm glad she found something. I find it
amazing she found it in an hour and forty five minutes.
She now has a place that she found a realtor,
she likes the place. And on top of all that,
now she just needs money.

Speaker 17 (01:26:33):
For well, Mark, I think we should take credit for
that because that's the power of the Tom Martino Troubleshooter
radio show.

Speaker 3 (01:26:39):
Yeah, I think so too, Dimitri three oh three seven
one three eight two five five. Now back to retirement. Actually,
we got lines open. Any questions you have, Joe, So
I want to say some about annuities. Okay, I think everybody,
everybody that has any form of retirement. I mean, if

(01:26:59):
you've got a hundred bucks, I'm not talking to you.
But if anybody that has been working a long time,
I see such a need for that guaranteed money at
some point. I would never put more than twenty five
thirty five percent of my retirement, but I like risk.
But I also, for the life of me, would not

(01:27:20):
want to be in a position where I'm in my
sixties seventies ready to retire and I don't have some
form of guaranteed money coming in. We were talking to
Doc before, and that's exactly what he did. He took
a big lump sum. Doc. How old were you when
you did that, like seventy oh seventy at seventy years old,

(01:27:41):
Where did your lump sum come from? Just savings?

Speaker 4 (01:27:43):
Yeah, savings before one K and whatever time it finds
I had put away over the cost of my working.

Speaker 3 (01:27:48):
So he decided instead of having cash or instead of
having it in the stock market going up and down,
he decided to take this big lump sum and turn
that into an income stream that he cannot outlive. I
mean it's there forever and his even goes up each
month or each month or each year three percent.

Speaker 5 (01:28:07):
Minimum three percent.

Speaker 3 (01:28:09):
So and what is that for?

Speaker 4 (01:28:11):
Just there's a three percent cost of living. But if
the market goes up more than three percent, I get
the market increase.

Speaker 3 (01:28:17):
Yeah, well if it goes down, you have to get downside.

Speaker 4 (01:28:19):
I get the three percent.

Speaker 3 (01:28:20):
Regardless, you get that three percent.

Speaker 5 (01:28:22):
I mean, that's amazing, it's beautiful. We have an annuity
just like that, exactly.

Speaker 3 (01:28:27):
Like that is that is the majority of your business, Joe,
and I really do want to understand my money, my
way down come is the majority of your business people
like Doc that are retiring, they're taking a lump sum
and turning at least some of it into this income
stream forever.

Speaker 5 (01:28:45):
No, maybe five percent, five percent. So your people actually
want to wait maybe two or three, five, ten years
to let the annuity grow so they can have a
better income.

Speaker 3 (01:29:01):
But when we were talking, and this was I don't
even remember thirst days writing. Whenever we were talking and
I was going through my retirement stuff with you in
my accounts, you said, at your age, with what you're doing,
I should not be doing an annuity right now.

Speaker 5 (01:29:16):
Absolutely, Mark. You know I am a sort of five
financial planner.

Speaker 3 (01:29:18):
I'm a seduciary.

Speaker 5 (01:29:20):
Yes, so I have the you know, I have to
have your best interest at heart. Yeah, okay, And you
are doing phenomenally well with your stock trading. Yeah, I
mean you're doing great at your age. Let me ask
you something.

Speaker 3 (01:29:35):
There is no doubt what I'm doing would make me
way more than an annuity. Buying it right now, There's
no doubt about it. It's in the math. But what
I always wondered with people getting one younger and Tom
and I have had I'm not going to say it's
an argument. You know, he's a fiduciary as well, right,
and he's absolutely right that the S and P is
going to outperform an annuity in a certain amount of

(01:29:58):
years no matter what. It just never had is not,
It just hasn't. There's been times where I think eight
would be a great example. I know, but my friend
Tommy lost his ass. He lost half of his four
oh one gay and he was like eighty years old
at the time, so that was devastating to him.

Speaker 5 (01:30:16):
Oh absolutely.

Speaker 3 (01:30:17):
But the other thing I see and I get the
S and P does it. But then I think of
somebody like my son, and he's really good with money
because we've trained him, right, I mean, no matter what,
we've trained him, right, he's got a great nest egg
at twenty five. It's unbelievable. But there's a lot of
people in that age range twenty five thirty five that

(01:30:39):
they overbuy on the cars, or they get their first
house and they basically just start second third mortgages left
and right. They basically are selling their house the slow way.
There's people where if they did take some money they
inherited or they did get even in their thirties or forties,
and it's sat there. They can't touch it. They can't

(01:30:59):
touch it.

Speaker 7 (01:31:00):
You know.

Speaker 3 (01:31:01):
People might say that's part of the problem with an annuity,
you don't have one hundred percent liquid that That's not
what I'm saying. I would never take all the money,
but at a certain time, for certain people. How we
have people that call this show that dip into their
four to oh one K and end up spending forty
percent of their four to one K on fees and
taxes and on taxes. There is a place out there,

(01:31:25):
and it's not me. I agree, it's not me, But
there is a place out there for people that just
don't like risk for God's sake, and they're afraid they're
going to spend their own damn money.

Speaker 5 (01:31:37):
That is right market. You were talking about gambling right
just a few moments ago. Yeah, and I tell you what,
See the difference between an annuity and the stock market,
it's really boils downe to gambling.

Speaker 3 (01:31:51):
Well, there's less some truth of that, but I don't
want to overlook though there is no doubt the s
and P over a certain amount of time is going
to make more. It just simply is what I'm saying,
is there's people that simply don't have the discipline if
you give them the ability to dip into their four
to one KA. How many people during COVID didn't they

(01:32:11):
extend four oh one K loans for like a year
or something. How many people still haven't paid it back
and lost their retirement they've been building up. Sure, it's
just scary stuff when you talk about retirement.

Speaker 5 (01:32:23):
Well, see, the only thing you got to keep in
mind is that when you're young, just like you are,
you know, your whole objective should be growth, to maximize
your accounts. Yeah, that's exactly what they're doing.

Speaker 3 (01:32:35):
And I loved when we sat down and actually had
the conversation. In fact, it was with you and Jordan, right,
and we probably spent an hour. Susanne, you were in
the room. We went over every single thing I'm doing,
and I swear to God it to the end. He's like,
there's no way, you're way too young to get in anuity.
In fact, you were like, you're going to wait till
you're like sixty four, sixty five or you know, four
or five years before you retire. Then you convert into

(01:32:58):
that indus.

Speaker 5 (01:32:59):
Right, And see, that's when you become that age, you
need to begin accumulating.

Speaker 3 (01:33:05):
Yeah, not accumulating, of course, accumulating and that goes with everything.
That's when you start selling your toys.

Speaker 5 (01:33:12):
Yeah. That and the question you got to ask yourself
and the listeners should be asking, is my money that
I have built up over the years, is it going
to last as long as I will?

Speaker 3 (01:33:23):
Or is it am I going to outlast my money?

Speaker 5 (01:33:25):
Is begin the question of mine that doc actually has
right now? Yeah, that annuity will pay until the day
he died.

Speaker 3 (01:33:32):
He can live to one hundred and fifty and he's
still going to get whatever per month and the three
percent and everything else. Hold on, no, I got to
take this break Hold on three oh three seven one
three eight two five five, three oh three Martino.

Speaker 12 (01:33:50):
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,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer

(01:34:12):
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 (01:34:22):
All right, three oh three, seven one three eight two
five five Any help you need out there, We'd love
taught to you. Three oh three Martino. We have been
doing a little bit of a deep dive on and
off here about retirement on top of that. Do you
mind if I bring up what you're doing as well?

Speaker 5 (01:34:36):
No, that's fine.

Speaker 3 (01:34:37):
He's on the shot I was on. I used Denver Regen,
one of the sponsors. I use him for six eight months.
But you just got a few years on me. And
it's kind of funny we went through the same thing.
I'd always say anybody out there, and I say this
because January's coming up, I'm going to be so transparent
on my weight loss. It's crazy. I dropped almost forty
It's like forty four forty five pounds, and I did

(01:35:00):
in about eight months. The one thing that started bothering
me around six months on these GLP ones, Joe, and
you've only been on them for two months. Yeah, oh,
but yeah, and you've been doing great. You lost weight
fifteen pounds. Any side effects, we'll talk about the one
we were talking about, but other than that nothing. I

(01:35:20):
didn't really have any either. The biggest side effect I
ever had when you first get on it and you're
not used to it, it slows down your digestion. So
if you eat too much, you are so full you're
literally backed up because you're digestion.

Speaker 5 (01:35:33):
Slow, you feel awful.

Speaker 3 (01:35:34):
You feel awful, and you learn not to do that.

Speaker 7 (01:35:37):
Right.

Speaker 3 (01:35:37):
The remarkable thing about the medication and people out there,
if you haven't tried it and you're obese, you're crazy.
I mean, I think most health insurance now cover it.
Denver Regen's got a dirt cheap if you're a cash payer.
But what's really crazy is that food noise. I called it.
In fact, I wish I coined that phrase, and I
might have, honestly, because I was saying this well over

(01:36:01):
a year ago. And it gets rid of the food noise.
You don't think of ice cream, you don't think of pizza.
It's quite remarkable, that's right.

Speaker 5 (01:36:08):
Or even you know, have an ear or have an
a less of wine, you don't, you know, there's no need.

Speaker 3 (01:36:14):
It's so bizarre. Yeah, I gotta wonder how that works.
I wonder if it works. I don't think it does
work for drug addicts or I'll say beyond it, but
I wonder if there's something they can do that would
work the same way for like opioids or something.

Speaker 2 (01:36:28):
Well like that antibus stuff.

Speaker 20 (01:36:30):
I don't know if that really kills the alcohol noise.

Speaker 2 (01:36:33):
But it certainly you pay for it if you drink, it's.

Speaker 5 (01:36:36):
Actually itren you. Yeah, it's honestly.

Speaker 3 (01:36:38):
We had a neighbor, Archie, in fact, I think he's
dead now, but he was a raging alcoholic. There's two
kinds of alcoholics. There's bingers, and that's what Archie was.
Archie would drink three four days, literally three or four
days straight, be so messed up you couldn't even believe it,
so messed up. I'd have to help his kids get

(01:37:01):
on the bus. I mean, he was like if his
wife was out of town, his kids were at our house.
Horrible situation. But then he wouldn't drink for maybe a month,
and then he'd binge.

Speaker 5 (01:37:12):
You can.

Speaker 3 (01:37:12):
He was a binger. The other kind we had a buddy, Larry.
They just drink twenty They basically wake up, start drinking,
and then go to sleep. Wake up, start drinking, go
to sleep. Totally two different things. Archie got on anibuse.
I don't even remember why. His wife sued his company,
literally sued the company for firing them for drinking on
the job. They fired him for drinking on the job,

(01:37:35):
and she sued him. She was an attorney and actually
one got a year's back pay and legal and everything
based on that alcoholism is a disease, and they fired
him over a medical reason. It was crazy. And he
worked for Cisco. It was a big expensive company at
the time. But he was on Anibeus and he would

(01:37:56):
drink on Anibeus and it would punish him. He'd get
a bad, bad head is how he would describe it,
but he didn't care.

Speaker 5 (01:38:02):
He would drink on it.

Speaker 3 (01:38:04):
Oh my god, makes you throw up? Yeah, it does,
he said, he'd get the worst headache of his life,
but it was still worth drinking.

Speaker 5 (01:38:12):
Well, well, I think the drug that we're taking right now, Mark, Yeah,
elp wants it actually works the same way. It trains
your brain. Yeah, I mean I over ate. Oh I
mean sweet, I made some tacos, you know, and I
just I ate four tacos that I made. Yeah, right,
I felt it.

Speaker 3 (01:38:29):
Now you eat too.

Speaker 5 (01:38:30):
I felt it, or one, maybe one and a half
at the most. I mean I felt it. Is there
anything you don't like on it? I couldn't fathom eating
a steak with a gun to my head.

Speaker 2 (01:38:40):
I couldn't fath bacon and eggs.

Speaker 10 (01:38:43):
I did not.

Speaker 3 (01:38:46):
I love bacon and eggs. I did not eat bacon
and eggs for at least six seven months. I couldn't
fathom eating.

Speaker 2 (01:38:52):
It was tragic.

Speaker 3 (01:38:53):
Really, oh my god. I would get off the drug
and then the hardest part. And this is true for
the spouses out there where one of them's on it,
because you're living through this a little bit with Kim.

Speaker 5 (01:39:03):
Well, absolutely, and besides that, I'm a vegetarian.

Speaker 3 (01:39:05):
We don't want to go out when you're on that shot.
It's like, would I go out to eat and spend.

Speaker 5 (01:39:10):
Month I'm not even hungry, That's exactly right.

Speaker 3 (01:39:13):
Okay, we would go to Great Dividing Castle Rock when
I was on this stuff. What would I order from
my entire dinner?

Speaker 5 (01:39:19):
Everything?

Speaker 3 (01:39:20):
Fried pickles on the happy hours.

Speaker 7 (01:39:23):
Good.

Speaker 3 (01:39:24):
It's like four bucks for like, you know whatever, fried pickle.
That's what I'd eat for the entire day was fried pickles.

Speaker 17 (01:39:29):
Mark, if you do the math, and I think I've
mentioned this to you before, but if you do the math,
you'll see that the money you saved on food, including
restaurant bills, more than paid.

Speaker 3 (01:39:38):
For the drug treatment. Right now.

Speaker 17 (01:39:40):
The other thing you're talking about cravings. The liquor industry,
as you know, is in a very bad shape right now,
maj No, because they're blaming it on GLP one. There
are so many millions of people on GOLP one, which
has been proven to reduce all cravings, not just food.
But the liquor companies are blaming GOLP one for their
perfect Oh, poor liquor companies, those poor bastards, right, it's

(01:40:04):
hard to generate sympathy for you know.

Speaker 3 (01:40:06):
We got to take a break. But if you think
of the only thing worse than the liquor companies, there's
one that's one hundred times worse in my opinion. Oh,
I guess it's way more addicted. We've used auto warranty industry.

Speaker 17 (01:40:18):
No cigarettes, Oh yeah, but they're all but dead now.

Speaker 3 (01:40:23):
Big no, no, Now they're just cherry flavored vape. Yeah,
they're all owned by the same people. Right, But these
these families have killed so many people. It's ridiculous. I
was stuck on that stuff for twenty years. It took
me ten years to get off nickedteam, well, ten years
without a cigarette to get off Nicketine.

Speaker 17 (01:40:45):
Let's give them a little bit of credit for coming
up with a way to kill their customers a little
less quickly.

Speaker 12 (01:40:50):
Hold tight, go with a sure thing Denver's Best roofer
Excel Roofing dot 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

(01:41:12):
of insurance companies find out now three O three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 3 (01:41:27):
All right, three oh three seven one three eight two
five five, get your calls in. We got another hour
coming up. It was kind of funny. We were going
around the table. I didn't even know. Deputy Doc used
to smoke cigarettes. I remember seeing old black and white
TV commercials from like Philip Morris, and they would have
a doctor up there saying something stupid like I only

(01:41:48):
smoked Marlboroughs.

Speaker 5 (01:41:49):
It was camels.

Speaker 4 (01:41:50):
They only smoked camels, which.

Speaker 5 (01:41:52):
Have the worst signals.

Speaker 3 (01:41:53):
Those were the non filters, right, Yeah, so I smoked camels,
but when I smoked them, they were actually camel lights
that had filters.

Speaker 5 (01:42:02):
I didn't mind, you know, cigarettes.

Speaker 4 (01:42:04):
When I the last time I put cigarettes, I think
it was like twenty five cents of pack.

Speaker 5 (01:42:07):
That's insane.

Speaker 3 (01:42:08):
When my dad was in the Navy on the ship,
he's your age on the ship, they were ten cents
of pack right only on the ship.

Speaker 5 (01:42:15):
In nineteen seventies. Okay, in the nineteen seventies, I was
in the military and air Force Air Force and we
I mean I went to the hospital, you know, and
people were smoking cigarettes in the hospital. I know. Yeah,
I see people with oxygen hanging around. There are no
smoking cigarettes. Now think about that.

Speaker 3 (01:42:36):
It's my first real kind of job. I was a
stock manager at a small grocery store in broken Aarow, Oklahoma.
Every one of our shopping cars had an ashtray on it.
Oh yeah, and people would smoke. The stockers would smoke,
the customers would smoke. The damn checkers would smoke. It
was Oklahoma like if you didn't smoke, there was something
wrong with you.

Speaker 17 (01:42:57):
Did you smoke? I you know, I smoked brief when
I was in college. But when I lived in New
York at the wall Bomb's grocery store, they did have
some carts that had ash her yeah, and people would
walk around and smoke right there in the grocery store.

Speaker 4 (01:43:12):
We were in medical school and smoke, which is crazy.

Speaker 5 (01:43:15):
Crazy.

Speaker 3 (01:43:16):
My dad saw someone you were talking about when you
were in the military. He was in the military hospital
for whatever reason, and one of the people in the
room had a trachea smoking a cigarette out of his neck.
Oh lord, I mean, you've got to be pretty damn
addicted to something to smoke out of your neck. How

(01:43:37):
long did it take you to give up smokes? How'd
you do it? Just in one day? I just decided
not to smoke. That's impressive. D I'd walk around, I'd
have patches, I'd have mint chewing gum. My god, I
had everything. Also, they didn't have other stuff when you
guys knew it to right.

Speaker 17 (01:43:54):
Oh yeah, they had the patches, they had the gum
and stuff. I just didn't need it.

Speaker 2 (01:44:00):
Quit Mark, Well, she.

Speaker 3 (01:44:02):
She quit one day she found out she was pregnant.

Speaker 7 (01:44:04):
Yeah.

Speaker 17 (01:44:04):
I did it at an easy age. I was still
in my twenty You're still on nicotine. Oh, for totally
different reasons. And I just and I'm just just started
experimenting with that, not smoking.

Speaker 3 (01:44:15):
It sounds like a high school like I just I
just started experimenting with Oh the little nicotine, wasn't you?
He's addicted to nicotine. Can't quit anytime I want to.

Speaker 5 (01:44:31):
Anytime?

Speaker 4 (01:44:33):
Well, you know what, so he'll die of mouth cancers
that are lung cancer. Nicotine is a known cautinogen for
for oral cancers.

Speaker 3 (01:44:43):
I used to do you guys, ever heard when I
was at military school?

Speaker 5 (01:44:45):
I do snuff?

Speaker 3 (01:44:47):
You know what that was? Is that the same as
chewing tobacco? No, it's fine, little round, you pitch it
and you just like cocaine. Yeah, they used to sell
it at the record shop. They sold everywhere over by
my high school, Copenhagen. Yeah, that was a big thing
in military school. Anyhow, we got another hour coming up.
Get the calls in three zero three Martino three oh

(01:45:10):
three seven one three A two five.

Speaker 12 (01:45:13):
Five, Go with a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're
contenth Please 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

(01:45:34):
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.

Speaker 1 (01:45:53):
News. So you don't have cam, Shooter's gonna help coming man.

Speaker 19 (01:46:05):
This is the Troubleshooter Show now, Tom Martinez, welcome my friends.

Speaker 3 (01:46:10):
To the only show of it's kind. We're here to
solve problems, answer questions, take your complaints. You've been ripped off.
You need help with the contractor, you need help with
the landlord. You need help. I've got Deputy standing by,
Deputy d Deputy Doc. I believe Deputy dollars out there.
Everybody's waiting for a chore to do. Three oh three
seven one three A two five five. That, to my friends,

(01:46:34):
is a phone number. We do have open lines. Three
zero three Martino, we've been talking about all different kinds
of things. Do you guys watch by the way joining
us in studio, Joe Chiano. He's with My Money Myway
dot Com. They sell a great annuity product. We're gonna
be talking about and who it's right for. Deputy d
Susan's to my left, Kelly and Dragon on the other

(01:46:56):
side of the Glass taking your calls three oh three, Martino,
We were talking about a lot of stuff. Do you
guys watch Shark Tank? You don't watch shar Tank?

Speaker 5 (01:47:05):
No?

Speaker 3 (01:47:06):
I love Shark Tank. My god, I love that. How
can you not watch Shark Tank?

Speaker 5 (01:47:11):
It is so good?

Speaker 3 (01:47:13):
What's it about? Mark? I'm really I'm further that you
pitch an idea of a business that's generally up and
running making money, but you want to either grow or
sell part of it. You want to partner with a shark,
meaning a very rich investor who's good at business.

Speaker 17 (01:47:30):
This a reality show where these participants see convestment capital
in their existing businesses.

Speaker 3 (01:47:36):
Yeah, most of the time. Sometimes it's just uh, sometimes
it's weird. Sometimes it could be a charity. But in general,
you you pretty much nailed it. So I was watching
an episode last night, dumbest thing I've ever seen. But
sometimes when you see these dumb ideas and how much
money they've made, it's remarkable. There's one. I'll give you

(01:48:00):
an example, in fact, Suzanne buys them. It's that weird
looking sponge.

Speaker 20 (01:48:04):
Oh yeah, the scrub Daddy or something ruby. It's a
scrub daddy. It works wonderful.

Speaker 3 (01:48:10):
They sold like billions of dollars of sponges that it's
a smiley faced sponge for God's sake, and it's been
one of the most successful ones they f had. Is
it a personal sponge that you use in the shower?

Speaker 2 (01:48:22):
No, you wouldn't want to put that on your tush.

Speaker 3 (01:48:26):
Okay no, No, it's like it's like to scour a pan.
Oh yeah, yeah, it's like the sponge Daddy or whatever
it's called. They had one last night, though.

Speaker 9 (01:48:37):
I just.

Speaker 3 (01:48:40):
You ever see something you almost get ill, Like your
stomach is just like, look like maybe a food laughing.
If I look at spam, I want to puke. I
think spam should be out. Yeah, it's disgusting. I don't care.
It's disgusting. Meating the can is a bad thing. The
sausage is all that crap. So you know what a
ginger houses?

Speaker 5 (01:49:00):
Right?

Speaker 3 (01:49:01):
So this woman instead of a ginger bread house, it's
still a ginger bread house, but there's no ginger in
it is no guess what it is.

Speaker 2 (01:49:11):
It's it's a chikouterie board ginger house.

Speaker 20 (01:49:14):
So it's salamis on the roof and olives in the trees.

Speaker 3 (01:49:18):
It sounds delicious. Can you imagine. Can you imagine at
a party you walk up and people are just picking
pepperoni off the roof. Think of how disgusting that it looks.

Speaker 20 (01:49:34):
Ugly pretty quick once you start ripping off the salami
on the roof and the you know, the whatever.

Speaker 3 (01:49:40):
It's got to be just infested from the miny you
put it out. It's meat and it's in the shape
of a house, and it's a dumb idea. According to Mark,
that is millions. That sounds millions million.

Speaker 2 (01:49:56):
Yeah, it might be like the relish tray or something.
It would go with a relish tray.

Speaker 9 (01:50:01):
Mark.

Speaker 5 (01:50:02):
She'd bust say.

Speaker 3 (01:50:04):
I am not the only person that didn't know what
a relish tray was. Most people had never heard of
a relish tray in their entire life. Most people have
never heard of a signature smell or scent. Seriously, most
people have not. I was shocked when Martino said he
went out one time and was getting a signature set.

Speaker 17 (01:50:25):
Yeah, he was analyzed for it, he said. In the
eighties that was kind of a big deal. And he
went to some special store where you meet with consultants
and they blend They study you your lifestyle, your mindset,
and they blamed that they had to be.

Speaker 3 (01:50:38):
Doing it as an undercover sting for God. So I
think he was serious about it.

Speaker 17 (01:50:42):
This was back in his days of wearing a Rolex
Presidential and driving a Bentley or Ferrari of whatever he had.

Speaker 3 (01:50:48):
He talks about that all the time, and he had
his signature smell.

Speaker 17 (01:50:51):
No, he said he decided not to do it, but
he would never tell me why.

Speaker 3 (01:50:55):
Well, why do you think he told me it was
more of an undercover deal. He was doing research.

Speaker 5 (01:51:01):
Yeah.

Speaker 3 (01:51:01):
I wonder where the truth lies here, right, I mean,
those are way different stories. I think I know where
the truth lies. Yeah, I think I do too. I
don't remember Tom wearing like do you remember him wearing No,
that's not true. When he was on the news, he
was always wearing a suit, wasn't he. Oh yeah, he was.

Speaker 2 (01:51:18):
Very were suspender he so cute.

Speaker 3 (01:51:20):
Yeah, well, he'd say that was when he was fat. Oh,
you're right. I do remember his red suspender's face, he
would say, And he looks back on him because I'd
never wear suspenders again. I only had to wear him
to keep my pants up. I didn't even remember him
being that heavy. I've never noticed him being fat. No,
just a little I mean overweight, not fat.

Speaker 17 (01:51:38):
Yeah, he talks about it all the time as having
been fat, but I think he's kind of exaggerating.

Speaker 3 (01:51:43):
His memory is exaggerated.

Speaker 20 (01:51:45):
And I worked with Tommy side by side there years ago, and.

Speaker 2 (01:51:48):
He was heavy, extra, kind of little shape, but not like.

Speaker 20 (01:51:52):
I mean, no, God, no, no, not like morbidly obese
or anything.

Speaker 17 (01:51:58):
By the way, you know, having lost all that weight
that he did probably saved his life during this, you know,
this really scary health scare that he.

Speaker 3 (01:52:05):
Just know you're right because he went in in really
good shape.

Speaker 17 (01:52:08):
Yeah, he was working out, he was eating right. He
didn't eat carbs, or at least very minimal carbs, so
when he was diagnosed with it, all that probably.

Speaker 3 (01:52:16):
Saved his life. There's something interesting about the carbs, and
I get it. Sugar is sugar as sugar is sugar,
doesn't matter. It can break down numerous different ways. Some
carbs break down quicker. Some carbs have a lot of
vitamins which are good for you, but they still have
all the sugar. So carbs or carbs or carbs and
it's all sugar. But it seems to me it really does.

(01:52:39):
If you cut all carbs out all together. No carbs,
that's a pretty hard lifestyle. I still say you got
to have some fruit, some vegetables. You gotta have something.
I mean, I have done. I am someone that can
stand here and literally say I have done no carbs
for long, long periods of time, and I've lost a
hell of a lot of ways doing a hell of

(01:53:01):
a mark.

Speaker 17 (01:53:02):
It was, I've been carb free for five and a
half years now. And yeah, but I'll see you do
a little cream. That cream's got some carbs in it.

Speaker 3 (01:53:08):
Well, no, that cream is actually zero.

Speaker 2 (01:53:10):
Whipping cream is zero carb smart if.

Speaker 17 (01:53:12):
You get the organic whipping cream which doesn't have like
the thickeners they put in zero Yeah, there's zero. So
I mean you still keep saying.

Speaker 3 (01:53:21):
The one you you don't even have the box, the
one that's in the fridge right like the one at
our house. Those have a little It says less than one.
But it still says, see I'm not zero. It's okay,
So it's zero. Yeah, it depends you got a reason.
What do you do for vitamins?

Speaker 17 (01:53:38):
I have I think eight or ten pills I take
every day, so and I have my blood tested every
six months. I get a four page report or my
healthcare four page. Yeah, so I'm not deficient in anything nutritionally.

Speaker 3 (01:53:50):
I was gonna say, okay, but that's not what your
old girl. Oh but yeah, so you know.

Speaker 17 (01:53:57):
And and so my carbs I limit to uh under
ten grams per day, and most of the days I
don't even get to half of that. I just don't
miss carbs after the first six months or so.

Speaker 3 (01:54:06):
Joe, you don't care now because you're on the g
LP one, not of it, right.

Speaker 5 (01:54:10):
Yeah. But the thing is, though, Mark, you know, I
mean being from Mexico City, I love tortillaz I love tacos.
I love chips. Yeah, salsa, I mean.

Speaker 3 (01:54:22):
Those are that's what kills That's what kills you at
a Mexican restaurant.

Speaker 5 (01:54:27):
That is right.

Speaker 3 (01:54:27):
It's the damn chips and salsa. That's right, it kills you.

Speaker 5 (01:54:31):
I love it.

Speaker 3 (01:54:31):
Joe, didn't you say you're a vegetarian.

Speaker 17 (01:54:34):
So it's it's very you can't get away from carbs
when you're a vegetarian, not really diet it's easy.

Speaker 3 (01:54:41):
You wouldn't be able to. It's very hard.

Speaker 5 (01:54:43):
I don't get full well he does it now now
I do? Yeah, but I never used to Yeah, I'll
eat fish.

Speaker 3 (01:54:51):
Yeah, Suzanne's a big fish eater. If we go to
a nice steakhouse, she's always she always orders fish always.

Speaker 5 (01:54:57):
I love fish, I really do. It's nice.

Speaker 3 (01:55:00):
You know, the producer that's got to be hard on
your wife too, though, being a vegetarian.

Speaker 5 (01:55:04):
That's what Sussanne was talking about. Yeah, exactly, No, it's.

Speaker 3 (01:55:07):
Kind of crazy. You got to take this break. Three
oh three seven one three eight two five five.

Speaker 12 (01:55:17):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're contenth
time for an insurance check up, free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven one help. You'll think you're his only customer when

(01:55:39):
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 (01:55:48):
Right three oh three seven one three eight two five
five three zero three Martino, I do want to tell
everybody out there, you know a great company, renew home
in as we've talked about renew a lot. They do
exactly that. They can, you know, build your basement out,
they can do anything inside your house pretty much. What's

(01:56:09):
kind of cool is Nick the owner got back into HVAC.
That's what he did for the first half of his life.
This guy installed more furnaces and air conditioners. So it
wasn't long ago he went to buy one and he
noticed the price of these things are so high. Now
he decided to get back into that business as well.
So renew home right now, how's the deal.

Speaker 5 (01:56:30):
Listen to this.

Speaker 3 (01:56:32):
The guaranteed the guaranteed lowest price on a new furnace.
So if you need a new furnace, it's that simple.
You go to renew Home Innovations dot com. You can
give them a call and they're going to give you
the absolute rock bottom price on a new furnace. And
I love the fact they're doing that. Rene renew Home
Innovations dot Com. Now we've got Jo Keyana with us

(01:56:55):
my Moneymway dot Com talking retirement. Joe, what would you
say the average person has at age sixty? What does
it take to retire? Now, let's let's not just concentrate
on any certain product, but someone that wants to pretty
much retire at sixty five or let's even say seventy.
These days, how much is really needed in the bank?

(01:57:16):
And I understand everybody has different ideas of how they
want to live in retirement, right, but is there such
thing as a typical.

Speaker 5 (01:57:24):
Well, there used to be a rule of thumb that
if you had one million dollars, wow, you could actually
take four percent a year, you know, keep it invested
forty thousand a year. Yeah, it could last to for
ever ever, as long as the market, yeah, doesn't go down.

Speaker 3 (01:57:42):
Or as long as interest rates stay out exactly.

Speaker 5 (01:57:45):
So today, with the economy being the way it is, Mark,
I think people more realistically need between three.

Speaker 3 (01:57:52):
To four million dollars. Yeah, you know, to be safe. Yeah,
I would, I would agree with that.

Speaker 5 (01:57:57):
You see, the biggest fear of the people have, do
they is running out of money at retirement? Running out
of money of retirement.

Speaker 3 (01:58:04):
Do you find that most people you deal with, they
call up, they hear an ad or they want to
talk a retirement with you, They want to talk about
an annuity. Do most people own their house and they
have that million dollars either in a four to oh
one k or maybe even liquid and cash. Once again,
I realize you are unique. You and Jordan are very

(01:58:25):
unique in this way. You don't really care how much
money they have. You want to help everybody out there.

Speaker 5 (01:58:31):
That is right.

Speaker 3 (01:58:32):
That's our philosophy and a lot of people. If you
don't have a certain amount of money, you're just simply
not going to be part of the team. It's just
the way it works, that's right. So what is the
average person you're seeing, like sixty to seventy years old?
What kind of assets do they have? What's their net worth?
That's the way to put it.

Speaker 5 (01:58:49):
Well, see, they range, you know, they range just that
much or you know, almost nothing. Basically, yeah, do actually multimillion?

Speaker 3 (01:58:59):
You know, we didn't really laugh about it, but we
did a movie event. This was over a year ago,
and I remember saying, you know, what kind of questions
because I left early, what kind of questions were you going?
And you talked to one person and I mean really
they had I think one hundred dollars. Think about that,
they're in their fifties or sixties and their entire savings

(01:59:21):
Dmitri and this was no bs, literally one hundred dollars.
I don't even know how you live.

Speaker 5 (01:59:28):
You can't people actually have, you know, they believe a
social Security will take care of them.

Speaker 3 (01:59:34):
Yeah, but social Security wasn't made as a safety net.

Speaker 5 (01:59:38):
Right, It's not meant to be a retirement account.

Speaker 3 (01:59:41):
I was told Jordan first hour. We went over everything
with Suzanne and I went over everything we have basically
with you guys last week, and I was well, I
wasn't going to say I was flabbergacid, but you're like,
you're not ready for an annuity. There's no reason for
you to get one right now because I'm performing the

(02:00:01):
S and P. I mean literally, I'm killing it definitely.
You know you are Mark and you're very unique. Let
me put it to you that way.

Speaker 5 (02:00:09):
You're unique.

Speaker 3 (02:00:10):
Well, what's what's interesting is how many people, and I
said this to Jordan during COVID you could actually borrow
from your four oh one K for way too long.
I don't even think people should be able to borrow
from their four oh one K because of the rules
that are in place right now. It's got nothing to
do with it. I just don't think. I don't think

(02:00:32):
it's good, especially if you got a kid that's thirty
or something and he's going to take out of his
four oh one K for a down payment on his house.
Something absurd. I mean, we hear this story all the time.
I don't think people should do that. I simply don't
think they should. But but what's interesting about an annuity

(02:00:52):
for someone that's even my age? And I'd never do this,
so it doesn't fit me. But people might want to
use that money because something happens in their life. If
you are younger and in an annuity product, you're only
going to get to just a small portion of that
without having outrageous fees. I mean, I realize you can

(02:01:14):
borrow ten percent if you have a million dollar an annuity,
that's one hundred thousand a year. That's a lot of money. Yeah,
you don't borrow it, you can take it out.

Speaker 5 (02:01:22):
You you would draw from the annuity and there's there's
no interest or no penalty at all.

Speaker 3 (02:01:27):
Okay. The other thing that's very unique about the product
you see if you price and Susanne and I about
two years ago, we're pricing long term care. It's outrageous.
It doesn't even make sense unless you work for a
big company like Walmart and they offer you something directly
through payroll and they have millions of people as a group.

Speaker 5 (02:01:50):
That's right, that's one thing.

Speaker 3 (02:01:51):
But even still, if you really look into that product,
along with aflac and some of these other products, they're outrageous.
It's just outrageous money. But the long term is the worst.

Speaker 5 (02:02:03):
Well, that is right, Mark, you know about I would
say about twenty.

Speaker 3 (02:02:06):
Years ago, why did it get so bad?

Speaker 5 (02:02:09):
I bought a long term care policy with Prudential for
you for me, and my premium was like four hundred
dollars a month.

Speaker 3 (02:02:17):
That's crazy even to.

Speaker 5 (02:02:18):
Specie Okay, no, no, which is fine. Today, the same policy,
the same premium, I'm paid about twelve hundred bucks a month.

Speaker 3 (02:02:27):
That's crazy.

Speaker 5 (02:02:28):
Why Why? Because there's so many claims. You know, people
are needing long term care because.

Speaker 3 (02:02:34):
They're living longer. Right, they can keep you in the
hospital bed for a year if they want.

Speaker 5 (02:02:39):
Right, I'll tell you what I mean. It is the
biggest risk the people over the age of sixty are facing.
Statistics show that over seventy percent of people sixty years
old and older are going to need some time of failp.
It's ten thousand dollars a month.

Speaker 3 (02:02:55):
Mark in Colorado, in Colorado, New York City is more absolutely.

Speaker 5 (02:03:00):
Listen to this.

Speaker 3 (02:03:01):
I was thinking about this. Someone sixty seventy really starting
to think of long term care. Maybe they just watched
their parents go through something horrible.

Speaker 5 (02:03:09):
A lot of people do.

Speaker 3 (02:03:10):
Well, that's it. I'm fortunate right now my parents are
in still good health. But they're in their eighties. I mean,
I doubt they're gonna wake up dead. I have a
feeling they're gonna have issues, or at least one of
them that's considered long term of some sort. I just do.

Speaker 5 (02:03:24):
I agree.

Speaker 3 (02:03:25):
Now, what's interesting is they could never buy a policy
now for long term right. There's no way when you're
eighty years old. I mean, that's crazy. That's like buying
life insurance in ninety They'll sell you a million dollar
policy for a million dollars. That's about how it goes down.
But with an annuity. If they did have an IRA
or qualified money, if they move some of that over,

(02:03:47):
and tell me if I'm wrong. If someone had an
IRA or whatever four A one K, orphan four A
one K, some kind of qualified plan and they moved
over right before they retired, or within ten years of
retirement or five years or what immediately for that matter,
they moved over a portion of that thirty five percent
into this annuity. Well that annuity, at least the one

(02:04:08):
you sell, has that long term care writer on it.

Speaker 5 (02:04:12):
That's a benefit, yes, where it will.

Speaker 3 (02:04:13):
Double the payment if you do need long term right,
and you didn't trigger any taxation, right, that is right,
zero taxation.

Speaker 5 (02:04:22):
Zero taxation. See here's the thing. We had a client
that came in last week and he's biggest concern was
not only a retirement, but long term care, long term
care because he's seen it in his own family, right.
And he loved the feature of the annuity. He loved it,
and he says.

Speaker 3 (02:04:40):
It's almost like insurance, but it's not.

Speaker 5 (02:04:42):
It's not.

Speaker 3 (02:04:43):
It doubles it. So people understand if you're getting a
couple thousand a month on your annuity when you decide
to retire, like depity doc, right, and something happens where
you can't cook for yourself, you can't clean for yourself
once you meet the criteria and that is basically the
the criteria, all of a sudden, that payment doubles. In

(02:05:04):
Doc's case, who would double the four thousand or five
thousand wherever he's at the right, and then it's that
number till the day you.

Speaker 5 (02:05:10):
Die, and that payment will be paid to you.

Speaker 8 (02:05:13):
Yeah.

Speaker 3 (02:05:13):
Yeah, it doesn't go yeah correct, he doesn't go.

Speaker 5 (02:05:15):
To the you know, facility or a curry giver. I
can do whatever you want with that money.

Speaker 3 (02:05:20):
I think a lot of times. One of the things
a lot of us, I've been very blessed. We have
done very good building a nest egg.

Speaker 5 (02:05:29):
You have very good.

Speaker 3 (02:05:31):
And you know, we've had our house paid off. We've
just done everything right. And I'd like to think we
taught our kids right too when it comes to money management,
because I mean there's people. Look at the guy who
got murdered over the weekend. Who was that guy? Look
at this poor guy his son got arrested for murdering

(02:05:51):
his parents. Think about that he was no But here's
where I'm going with that. They had all the money
in the world. This guy's worth one hundred two hundred
million dollars. They could throw money at this kid for
the last twenty five years and that didn't stop him
from apparently murdering him. I don't know if he did
or not, but the accusation and I guess there is
an arrest now. But they've got all the money you

(02:06:13):
can imagine and they can't fix that. You can't fix that.
So I mean, I think if you instill people with
money and don't do drugs and stuff like that, you
get somewhere with it. But I think where I'm coming
to is that anxiety level as you get closer to retirement.
I can't imagine ever retiring Shoe, just like I can't
see you at some point you'll retire. At some point

(02:06:35):
I retire maybe Yeah, I just can't. I can't imagine
slowing down. But my point is the anxiety of thinking
of where's that paycheck? If I'm not here in front
of this mic, if I'm not selling advertising, if I'm
not running this business, if I'm not doing this whatever
it happens to be. Hey, Mark, you start thinking what
am I going to do when I'm not creating that

(02:06:57):
money anymore?

Speaker 5 (02:06:58):
Let me give you my personal exemple. Okay please. I
was employed by a company many years ago called if Hutton.

Speaker 3 (02:07:07):
Oh yeah. They would say, uh.

Speaker 5 (02:07:12):
Says yeah, what a commercial right. But the thing is
they had a pension okay yep, and I was vested
well when I when they when I left the company,
they actually I'm getting on pension after the rest of
my life through through them.

Speaker 3 (02:07:27):
That's one check. My wife is getting up pension from
the airline. All right, hold on, I got to take
this break. That's two pensions. Everybody, Hold tight.

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Speaker 3 (02:08:14):
All right three three seven one three eight two five five.
Don't forget help at troubleshooter dot com. You can email
us anytime and we'll get back to here. We love helping,
even throughout the holidays when we're not around. I promise
help at troubleshooter dot com. Or you can leave a
message at three zero three Martino. That's three h three Martino,

(02:08:35):
and we'll get back to you as well. By the way,
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at a renewal for your cars, If you're looking at
a renewal for your business insurance, garage keepers, workmen's comp
Maybe you're looking at a renewal for your homeowners Maybe
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(02:08:56):
now actual cash value. You got to call these guys up.
They're gonna shop twenty thirty different companies and get you
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have the proper amount of insurance, whether that's too much
or too little. Go to Quotecompass dot com. Do you
use Compass d Have you used them? Yeah?

Speaker 17 (02:09:16):
Mark, I just this is unplanned and it's not a
pre planned plug for Compass, but a blast spring. I
bought my umbrella liability policies nice, but a couple of
weeks ago I switched both of my auto insurance policies
to one of his.

Speaker 3 (02:09:30):
Carriers because who jammed up with you know, I.

Speaker 17 (02:09:33):
Don't remember the new safety No, no, I can't remember
whatever whatever Brian said there there's still this. I mean
it's Bubba's insurance, but he said they're in business and
they have the means to play the pay the claims
if necessary.

Speaker 5 (02:09:46):
That's all that matters.

Speaker 17 (02:09:47):
And he saved me, I'm not kidding, like a little
over one hundred bucks a month from State Farms.

Speaker 3 (02:09:53):
So the biggest one. I remember, he saved someone over
twelve thousand a year. They owned multiple renolds and that's
where most of the savings came from. But think about
that one thousand bucks a month, twelve thousand year.

Speaker 5 (02:10:06):
It's phenomenal.

Speaker 3 (02:10:07):
Hey, Joe, you were talking about you were working for E. F. Hutton, right,
talk about back in the day. I mean that really
is way back there. I remember as a little kid
seeing those commercials and when he talks people.

Speaker 5 (02:10:20):
Listen, Yeah, when he when he talks people this.

Speaker 3 (02:10:24):
Do you guys remember the commercial with the Indian and
I mean full brown Indian and he had the tear
coming down. Oh yeah, and it was trash.

Speaker 17 (02:10:33):
Yeah, it was like waste management commercial off the East coast.

Speaker 3 (02:10:36):
Yeah, it was off that where I grew up, of course. Yeah,
And that was absolutely crazy. I remember some of those
old commercials. But you had a pension from them, and
your wife had a pension.

Speaker 5 (02:10:46):
That's right. So we had two checks coming in right,
once you retired, we got social security yep, check a piece.

Speaker 3 (02:10:54):
Oh you both had okay, two social securities and then two.

Speaker 5 (02:10:57):
Pensions since us four. Yeah, then we have and I
knew just like the one that we've been promoting on
your show. Yep. And my wife has won. So we
got six pay checks that come in every mon in
each and every single month. Now, you tell me about
peace of mind.

Speaker 3 (02:11:12):
Joe's buying's inner peace of mind?

Speaker 5 (02:11:14):
Right right there?

Speaker 3 (02:11:15):
Yeah, it is, you got you got six.

Speaker 5 (02:11:17):
Different stories and work in the morning. I get six
checks coming in to the mailbox each and every month.

Speaker 3 (02:11:23):
What's most pensions like your E. F. Hutton or your
wife's pension like Tom had a pension forever? Right, I
want to say Fox or one of the news stations.
But once you're not working there anymore, it stops. The
growth just stops.

Speaker 5 (02:11:39):
Right, Yeah, So you begin to actually.

Speaker 3 (02:11:40):
So that's when you better do something with it.

Speaker 5 (02:11:43):
If you're not retired, you begin to accumulate, you begin
to get the pension out of it, you know, whenever
you you want. Basically, yeah, once you're fully vested when
you retire, then you can take the money out.

Speaker 3 (02:11:55):
What's scary about pensions, and you and I have had
this discussion before. I had a friend I still have friend,
Doug Walker, and he flew for United. He was left chair,
he was the captain and he had the best route.
It was like from here to Germany and that's four
days a week or whatever it is. And they went
basically into bankruptcy and his pension he was looking at

(02:12:18):
ten to fourteen thousand a month till they you know, forever. Yeah,
as a captain ten to fourteen thousand a month. When
the bankruptcy was done and they raided the pension fund
and all the big wigs and the everybody signed off
on it, he ended up with a couple grand a months.
Totally changed his life. I can't believe that. That's why

(02:12:39):
four oh one kaser here now, Oh what a disaster. Well,
look at Social Security they rob it. I mean, my god.
They're saying it's going to run out of money because
all the money's going to everything else.

Speaker 5 (02:12:53):
Yeah, that's what they're projecting it.

Speaker 3 (02:12:55):
Yeah, but they've been saying that for a long time, Joe.
I mean really, they've been saying for a long time,
it's going to run out of money. Whatever President or
whoever's running for president at the time. When checks don't
come out, better just move out of the country. I mean, seriously,
you think of it like the riots and stuff in
the past. It'll be nothing if those checks don't come
I get more afraid of inflation and all of a

(02:13:17):
sudden that check like during Biden at one point it
was eight nine percent. I mean, think about that, because
you're so secured. He sure as hell didn't go up
eight or nine percent.

Speaker 5 (02:13:27):
Oh that's right. See, that's why you know, I think
people love or annuity because they get a seventeen percent bonus.

Speaker 3 (02:13:35):
Yep, they get the bonus day one, you know what,
and that money, that money starts working day one.

Speaker 5 (02:13:39):
I want to.

Speaker 3 (02:13:39):
Explain the bonus because I've I've done a lot of
research on this. That bonus isn't yours, but it is
yours because it's immediately growing. If it's one hundred thousand,
now you have one hundred and seventeen thousand, and when
the stock market's going up, your one hundred and seventeen
thousand is going up. Right, it's officially yours, and you

(02:14:00):
can take it when ten years.

Speaker 5 (02:14:03):
You can take it out every year every year because
the percentage. The bonus is being invested by ten percent
a year, got it. That's to prevent people from getting
our annuity. Yeah, and then.

Speaker 3 (02:14:13):
Tention the money to cash out and buy another.

Speaker 5 (02:14:15):
Seventeen thousand dollars bonus, right, yeah, out of nothing. So
so it's.

Speaker 3 (02:14:19):
Ten percent a year for ten years and you're fully vested.
I want to make this point. Even with the exception
of cashing it out, it is growing as one hundred and.

Speaker 5 (02:14:30):
Seventy absolutely right, Okay, they won they want. The second
thing that people like the are annuity is because they
can participate on market growth, yeah, of course, and protection
against market decline.

Speaker 3 (02:14:42):
Now, when we talk a fixed rate, because that's what
we're talking here, if the S and P or whatever
it's tied to, let's just say the stock market in general,
you know, goes up four or five thousand points, or
let's say it goes up I don't know fifteen percent.
You're not going to benefit fifteen percent, right or not,
because it's going to cap seven eight percent.

Speaker 5 (02:15:01):
That is right, because your money is not at risk,
that's right.

Speaker 3 (02:15:04):
But if it drops down a thousand points the next years,
you're still exactly where you were on the goodyear, and
then if it goes back up and over you go
back up again.

Speaker 5 (02:15:15):
How good is that market? I mean, you really stuff
and think about it.

Speaker 3 (02:15:17):
It depends on your age when you're ready to retire.
I think it's perfect, right.

Speaker 5 (02:15:22):
And you know, people have the best of both worlds,
don't do. They have potential for growth and protection against decline.
But then the most important thing on the annuity is
the lifetime income. You know, how you can outlive, you know,
just like Duck was saying this morning, okay, he has
peace of mind.

Speaker 3 (02:15:38):
That I go back to that anxiety effect, and I
think a lot of people they might be like, yeah,
the stock market might go up a lot during my retirement,
but I don't care. I want that exact amount guaranteed
for life. It gets rid of all the anxiety.

Speaker 5 (02:15:56):
That is right. So when people think like that about
the market going up all the time during retirement, you
know what Mark, What if it doesn't happen? What if
the market crashes like in two thousand and.

Speaker 3 (02:16:09):
Eight, Yeah, and they're retiring. If you're retiring it that time,
it would suck.

Speaker 5 (02:16:15):
That's exactly That's what I'm saying. So or I knew
I say guaranteed income for life and long term care
doubles it. It doubles it as well as a death
benefit as well.

Speaker 17 (02:16:25):
Joe got a question for you, and here's the context.
Inflation has a very corrosive effect on any kind of
fixed income, you know, instruments and especially pensions. Is there
a way is there an instrument that one can add
to the annuity or purchase it separately from it that
guarantees that the annual payment you get from this annuity
and it's still what it is, will at least cover

(02:16:49):
the rate of inflation. It's absolutely if you if you
mentioned it before, I must have missed it.

Speaker 3 (02:16:55):
It sailed over my head.

Speaker 5 (02:16:56):
It is a writer called the inflation writer, and you
can choose between two to four percent inflation, just like Doug.

Speaker 3 (02:17:04):
Is there anything above four percent available?

Speaker 5 (02:17:07):
No? Not now with the newties that we have, okay, four.

Speaker 3 (02:17:11):
Plus, it'd be it would get to a point where
that additional cost for that might not be worth it.
In other words, if it would go up eight percent,
that could cost so much a year it might not
be worth it.

Speaker 5 (02:17:22):
Right right, So they cap it. They cap it. But
the key is that their income stream will increase. Yeah,
by two, three or four percent every day.

Speaker 3 (02:17:33):
Doctor says that all the time, and he loves it. Yeah,
he loves it, you know, I love I was talking
to Tom and we were going back and forth on
some stuff, and I couldn't agree more with him, you know,
with Wave eight and what he does, especially for people
out there that are qualified investors. And I happen to
be a qualified investor, but I do my own stuff.

(02:17:53):
But for someone that literally does not do their own
stuff and they're in their fort east or still producing,
they're making money, you put it with somebody like Tom
in Wave eight and he's going to grow the hell
out of it. I mean, it's as simple as that.
But as you start getting closer to retirement, you do
you take a chunk of all that money you've made
over twenty thirty, forty years, whatever your lifetime looks like,

(02:18:16):
you're working lifetime venue, buy something that's guaranteed never to
go away. Absolutely, there's people I know, literally right now,
I'm not going to say who probably listening. They bought
an annuity that's going to be about thirty five to
forty thousand a month till the day they die, till
the day they die. And I believe. I'm not positive,

(02:18:36):
but I believe they have a long term rider on
that as well, which would be eighty thousand a month.
Think about that, eighty thousand.

Speaker 5 (02:18:43):
A month east of mind.

Speaker 3 (02:18:45):
But they did it. They did it in their sixties
sixty I want to say, sixty fourish. Yeah, that's amazing.
Think about that.

Speaker 5 (02:18:55):
It's reality.

Speaker 3 (02:18:56):
Think about being guaranteed thirty thousand a month plus a
diet's nuts