The Troubleshooter 6-27-24

Episode Transcript

(00:00):
Yeah, ripped up news, needadvice who you don't have, You'll come
running just as fast as we can. Shooter's gonna help come. Dix's the

(00:20):
Troubleshooter Show. Now Tom Martino,Okay, Tom Martino here, welcome to
the show. I urge you tolook into waterpros dot net for the best
water systems at the lowest prices kitchensink drinking water, and you'll get it
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(00:41):
water again. And when I'm atthe studio, I'm stuck with this bottle
water because they don't have it here. By the way, waterpros dot net
three oh three eight six two fivefive five four. Hey. Uh.
We have guests with us today ourpCenter, Retirement Planning Center of the Rockies,
and as you guys know, Iam a client. They they basically
talked to you about retirement, whetheryou're years from retirement or facing retirement and

(01:06):
anyway. So that's the way itis, and they're here today. We're
to talk about various things, andwe'll talk about anything on your mind.
Like Dnnett wants to talk about anissue with a dentist, and how aproposed
since I have a dentist to dayright after the show, So what's going
on with you? Dennett? SoI started seeing a dentist about a year

(01:30):
ago. He had an office inFort Collins, and then he had an
office in Greeley. Yeah, andI started the process of getting dentures with
him. So last year in May, I had all of my extractions done
and then got temporary dentors. Andfor over a year now I have been
trying to do all the tryings toget permanent dentures. Okay, so I

(01:55):
want to ask something on this dentureplan? Did you have at your plan?
In other words, they sometimes writeout these treatment plans and each stage
is written out along with approximate costs. Did you ever have anything like that?
It's not required. I'm just curious. It's best practice, is right.

(02:17):
So we did do a treatment plan, and then now that the dentist
office has closed, all of myrecords are locked in his system. Now
they okay, they're covered by thesame HIPPA laws that doctors are. And
even though they close an office,they're required to put those records on deposit

(02:38):
somewhere for you to see. Didyou know and send me an email after
I you know, emailed the emailafter they closed, and I was like,
what is going on? You know? And I want to know a
couple of things. First. Okay, did you pay ahead of time for
anything? Yes? I did.Okay, this is going to get complicated.

(03:00):
So here's what I need to know. Okay, how much did you
pay upfront? Or how No,how much did you pay in total for
the denture part? So I havea five thousand dollars loan with them and
twenty one percent interest on my loan. But did they get the whole five
thousand bucks? Yes? They did. Was the five thousand going to cover

(03:22):
the whole denture job? Yeah?Okay. Now so basically you paid upfront,
but it was with a loan.Okay. Now of that you had
extractions. Okay, let's see whatwas done completed were Because what we have

(03:43):
to do is figure out where youstand unless you've already done this. Have
you already done it? I havenot? Okay, So hold on,
ext What we try to do hereis put a handle on what you need
and what you should get and whatwe're going to do and records and we're
gonna we're gonna. So extractions weredone? What else? What else was
done? Did you have any implantsdone as anchors? No implants, only

(04:05):
the extractions. And yep, whenyou said temporary dentures, what are they
hanging on? They just are supposedto suction in my mouth? Okay,
so they're sitting on the gums.Yes, you understand that bone can deteriorate
to a point where you can't getthose anchors eventually if you don't take action.

(04:29):
You know that right right? Well, I did you see a dentist
at least get an idea of thecondition of the jaw and if you can
have the anchors, were you goingto have anchors put in or were you
going to go just go with thesuction. I was just going to go
with the suction until at some pointif I could afford the anchors. Yeah.

(04:54):
The problem with doing that is eventually, without a route or without stuff
in the bone, the bone deterioratesright and alignment everything. The suction is
not enough to keep the jaw aligned. So I'm not giving medical advice.

(05:16):
I'm just telling you over the years, we've had so many dentists and dental
problems we've handled that I'm sure anotherdentist has clued you in, yes or
no, or you've not seen anyoneat all. I haven't seen anyone else.
Well, okay, you need youneed to do that for just for
your own health. I mean,just see a dentist and get get a

(05:40):
handle on where you stand. Now, how long ago? Where did treatment
stop? I mean, you havetemp dentures and you use them. And
when did the guy close? Soapparently they closed in February and my last
visit it was with him in December, and the office manager was supposed to

(06:04):
call me to set up my nextappointment to see it. Yeah, well
all of that, So what happenedto him? I don't know. I
mean I tried calling the office.I went to the office, and then
that's when I discovered what's the dentistname, Parkview Family Dentals, and where

(06:27):
are they located. The office thatwas most recently closed was the one in
Greeley. You know, Parkview seemsto ring a bell to me. It
was Parkview Family Dentistry. Yeah.I think we've gotten complaints about them before.

(06:50):
In fact, I might have writtento this guy and he ignored me.
What's his name? His name isSean Custer, Sean Custer. Ye
is that a cus t er?Yes? Okay, here's what we're gonna
do. Let's just see if wecan track it down. Doc, Were

(07:13):
you going to say something about this? Those records have to be someone.
All we have to do is callthe dental board and they will make sure
you get your records. Now,I'm not sure how they would handle the
monetary part, but I can guaranteeyou if you get in touch with the
Dental Board, they will one getyour records for you or tell you what

(07:33):
process to use, because they're verystrict about that. Do you know they
went bankrupt or anything they did?Yes? Did he apparently? Did he?
Was he named? Did he fileas himself as well or just a
part few family dentistry? He filedpersonally and I guess his lawyer said he

(07:56):
did that so then his patients couldn'tcome after him. I know that that's
not true. Okay, you can'tavoid medical or dental malpractice by having a
corporation. Yeah, but how couldit be malpractice? Let's say the work
he's done. So I'm just saying, I'm just saying anything that has to
do, he's personally responsible. Youcan't point it off on a company like

(08:18):
you can with a non healthcare Okay, so let's say he is personally responsible
and he personally goes bankrupt, Well, then there's nothing you can do,
right, that's exactly right. Butthe records are definisue, as you know,
know the records. You don't gobankrupt, you don't do anything.
You got to provide them, right. Did you call the dental board?
I did reach out to Dora andthey did open a case. So now

(08:43):
it's just a matter of waiting here. So this is doctor Sean Custer,
Parkview Family Dentistry. I'm gonna lookhim up and we need to get a
phone call or something. Doc.I think we should start with we just
to find out anything we can aboutthem, Okay, where they are,
what they did. And then asfar as the loan, who is the

(09:07):
loan through through lending point? Okay, so that's a generic lender. How
much are you paying on this?I pay one hundred and eighty eight dollars
a month on my luck for howlong? Thirty six months? Well?
Man, how much? We needto figure out what value you've gotten so

(09:28):
far? Okay, we got tofix You're going to have to schedule an
appointment with a dentist. You know, doc can start mulling around a little,
but we definitely need you to startlooking for I get a dentist.
What part are you up in Greeley. I've did for calling okay, because

(09:50):
in Greeley there aren't enough teeths tomake it worth a dentist whiles to be
in business. But and don't goto a car dealer to get your teeth
fixed, So go bed. No. You know, in Greeley is cursed.
I swear to God, it's acursed It's a curse place when it
comes to professionals of any kind.And of course if you're a dentist,

(10:11):
it's got to be a very lowYou're lonelier than the Maytag repair man up
there with t because if you havea full set of teeth, you're in
a minority. So here's the deal. Let's move over to Fort Collins.
There's got to be plenty of gooddentists and Fort Collins somebody to check.
I don't know who to recommend,but you need an independent evaluation for anything,

(10:33):
even for your complaint, by theway, and you're going to have
to probably pay for that. IfI were you. Did you call the
lender by any chance I have?And they've said they have to receive a
letter from the dentist that he's moreor less going to payback what is on

(10:54):
my lung, So otherwise I'm justto just keep paying. Well, okay,
was it just an unsecured loan,I don't know what. Did you
put up anything as collateral? Didyou sign an equity loan? No?

(11:15):
I mean I just signed the paperworkfor the loan and then douc. I
don't know about healthcare, but Iwonder if there are any special laws when
you take out loans for stuff likethis. I wonder if there's any protection.
I would doubt it's it's just athird party loan. Yeah, it's
no different than a car dealer orwell, for in the solar business.

(11:37):
It is. For example, inthe solar business, if you take out
a solar loan and they go bellyup, that lender has to eat it.
It puts some onus on the lender. And I think they should do
that with medical stuff too, becausepeople get stuck with these shysters. Right.
I know, I'm not the onlyone dealing with it right now.
You know, there are other thereare other victims of this guy. Yeah,

(12:01):
somebody said they what's that? Ohmy mom had said that. Someone
else said they filed a police reportso they didn't have to pay. Well,
a police report saying yeah, butI don't know how that gets them
out of paying as as uh asdoc said, it is an independent loan
you took out and then but ifthey paid the proceeds directly to this doctor,

(12:24):
I'd make some arguments that they're hewas an agent of theirs and defrauded
you. I don't know. Iwould go a little further. Have you
talked to the bankruptcy trustee? Idid try and call him and then he
did not. You need to youneed to put in a claim first,

(12:46):
okay, good, good, goodgood. I want you to make a
dental appointment. We're going to markthis as pending. I'm going to have
deputy docs start investigating to see whathappened to Parkview and where the records are
or stuff like that. We gotmore coming right up. Go with a
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(13:09):
until you're content. Time for aninsurance check up free no obligation. In
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(13:33):
twenty two. Hi Tom Martino herethree O three seven one three talks seven
one three eight two five five.Okay, I want to go to the
phones, and uh, I wantto take people now. We are done
with the net right now. Sheneeds to get a dentist to get a

(13:54):
look and see what was done.And we're going to find out the approximate
value of that. Deputy doc isworking on finding out about records and about
where this guy went. And Ben'sturned Ben, what's going on with you?
Ben? Hey? Tom? Sowe spoke on Monday about Impact Energy
and this this solar thing that Igot myself in, so it's Impact Energy

(14:18):
and canceled after the third You canceledafter the third day. Right to rescind,
isn't that right? Yeah? Andthey want to charge you for a
site survey. Another costs, AndI said, ask for that. Then
if they say that they did it, then demand to get it. Yep.
And so they sent me the fullworkup that has the all the details

(14:45):
of the project, the write up, the electrical all of that detail is
here, twenty pages here. Howmuch are they how much do they want
to charge for it? So forthat portion of it, it's about twenty
three hundred dollars. How much dothey want to keep in general for not

(15:05):
for after you canceled? How mucha total amount three three and sixty seven
dollars. Okay, you know youkind of look I don't like this idea,
but yeped in it. Yeah,you kind of did not cancel when
you should have. They had thethree day right to rescind. What is
the other cost for? I seeyou have some cost for site survey and

(15:26):
stuff. What's the other cost for? So they've got four lines here that
are various. There's two there's Auroradesign software and interflow proposal software, and
then an engineer design fulfillment and proposalfulfillment. And then they have charges for

(15:46):
the install agreement and loan document processing. There are another software. Yeah,
these these they're nickeling diamond you men, but yeah, you kind of yeah.
Look it can go either way.Did you actually pay them yet?
No? And how aggressive are theybeing? They actually haven't been that aggressive

(16:10):
yet. No. Well it's upto you, man. I mean,
I think that they're going to win. I mean that's my gut feeling.
You could play hardball and see dothey really want to go to court over
this? I don't know. Yeah, you know, or pay or offer
to pay something and negotiate it is? There is there anything in a contract
about cancelation? That's what that's Yeah, that's what I know about the three

(16:36):
day I think it said any costsincurred, right, yeah, yeah,
can okay, And that's why theywere justifying those costs. Yeah. Well
how long did you wait before youcanceled? It was? Oh, I'm

(16:57):
not entirely certain it is, butI think a week and a half.
Only a week and a half.Wow, they moved fast if they did
all that, I want to askanother obvious question, why did you cancel?
It Just seems like I'm I'm takingon a very large loan. I

(17:17):
wasn't certain that this is going todo what it claims it's going to do.
As far as you know, replacingmy electric bill, which concerns me
I'm going to get stuck with acost I can't afford to pay. And
then on top of that, wasI just am not I guess I'm just
still uncertain that solar is a goodway to go. Well, solar is
an excellent way to go for somepeople. It depends on how long you're

(17:38):
going to be in the house andall of that a lot. It's not
for everyone. Yeah, so reallythat that part, and then tax credits.
I don't know, can you usetax credits? I might, That's
the thing that I'm even talking tomy my tax person. Sounds like it's
a little bit fuzzy as to howmuch I do actually get, but it

(18:00):
sounds like I get most of it. Okay, Well, look, man,
again, I think you're going tohave to decide this on your own
one way. I mean, look, you signed it, you cancel it
after a week and a half.Could they negotiate? I think they could.
Did you try to negotiate? Youknow? All I'm saying is it
could go any other way. I'mjust saying that that at this point,

(18:26):
I don't know what can I say. I'm making a suggestion. Tom what's
that. Well, if he waitsuntil they go to collections, the collections
people are going to be much moreamenable to a settlement, you know,
because if they buy it for pennieson the dollar, they're going to settle
for pennies on the dollar, whereasthe original company might not be as gracious

(18:48):
about it. Yeah, that's possible. That's possible. But it's a gamble.
So again, you signed it,you admit it, you canceled after
the three days they sent you,the information that they incurred costs. It's
it's up to you. If you'reasking what I would do, Oh man,
I would explore the benefits of goingthrough with it. I would.

(19:12):
I would. I would do somereal serious due diligence and then weigh the
cost there three all three seven,one, three, eight, two five
five. Doug has a question aboutdissolving a trust. Doug, what is
it an irrevocable trust or a regulartrust? Good morning, Tom, Yes,

(19:33):
it is irrevocable. Okay. Thewife and I were we were snowbirds.
We had a house. We havea house here in Aurora and had
a house out in Arizona. Wesince divors trust is only a little over
a year old. Hey, wehave retirement planning center. Guys, do
you ever deal with trust irrevocable trustfor clients? If not, we can

(19:53):
find someone. You know, Let'scall one of our estate planning at tw
her nies Katschina. Let's try toget either Kiel and Park. You guys
do a lot with Kiel and Parkand then let's talk to Kiel and Park
or Dan McKenzie and we'll find outfor you. I do know they're more,

(20:15):
way, more difficult than a regulartrust. May I ask why?
And this is good for people listening. Why did you go with an irrevocable
trust? Well, my then wifeshe has family. I really don't have
family, and I was willing togo and with the irrevocable because I thought

(20:37):
it would be the best way toBut why what? What? Tell me
what you had in the or whatdo you have in the trust? Two
houses, one in Arizona and onein Aurora, will plus are we had
some rental properties that we had ownedand it just so you have a bunch
of real estate? Is that allyou have in here is real estate?

(21:00):
Yeah? And how is the trustour bank accounts? What your bank accounts
are in there? Too? Yeah, what what did you have in mind
for this? So? So,I mean you don't even own your bank
accounts? And are they static bankaccounts or do you still contribute to them?
You still contribute? And are youable to draw money out when you

(21:21):
need money? Oh? Yeah,pay bills out of and everything. How
is the trust written? Then?Is it written that it pays you cash
or how is it written? Ihave it right here? Maybe I'm mistaken
on the bank accounts, could be. I mean, usually when you put
stuff into an irrevocable trust, youget income from an irrevocable trust, Yes,

(21:48):
but you don't get to take principalout or any party any property out.
And technically cash in is property andcash out is property. So I'm
understanding anything. So your paychecks andeverything, I mean everything goes into this
bank account inside and irrevocable trust.We're both retired. We were both retired,

(22:11):
okay, and it had all ofour our investment accounts, they had
all that in form. So basically, wait a minute, are you saying
that every dime and asset you haveis inside an irrevocable trust far as I
know it is? For what reason? Though? I mean, when you
did this whether you have family ornot. What reason would it be in

(22:34):
an irrevocable trust? Were you afraidthat creditors were coming after you? There
are very specific reasons for irrevocable trustswhich don't apply to ninety nine percent of
the people. Well, that's allI know is that that's what was recommended
to us, that we do anirrevice by who by a crackerjack box?

(22:56):
Or who? Who? Wholly?By the company? It's called Safeguard Estate
Planning? And who is this soyou called? Are they a local company?
They're in Arizona? And what reasondid they give you for an irrevocable
trust? Oh, I don't youknow. I don't remember now. How

(23:19):
how did the divorce handle it?Well, the divorce from we went through
the normal process of a divorce.And did you divide the trust? Well,
the trust wasn't really involved in it. I was told that who's the
trustee? Who's the trustee? Whatdo you mean? Who is the trustee?

(23:45):
Who is the trustee of the trust? Who administerates it? Are you
the trustee? Is she the trustwho's the trustee? It's going to be
her, my ex wife. You'retalking about the beneficiary. Who's the trustee.
Right now, we are I believewe are, and everything goes.
Do you have any kids? Youdon't have anything, so you don't mind

(24:07):
everything you have going to her daughter. Well that was the problem. See
we came to loggerheads when once Idiscovered everything was, she wanted everything to
go to her daughter. And guesswhat split between her daughter? Guess what
my brother? Guess what? Toolate? Who does it go to?
If it goes to her daughter andit's irrevocable, guess what that means?

(24:30):
That means it would all go toher and my brother. They'd split it
fifty to fifty. Where does itsay your brother is part of it too?
Yeah? Okay, so you havetwo beneficiaries, correct? And does
it state fifty to fifty? Yes? Okay, So why would you want
to hold on? We got toget an attorney on. You've made so

(24:52):
many mistakes I can't even begin tocount them. So let's see how we
unf it up. Go with asure thing Denver's Best roofer Excel roofing dot
com. You don't pay a centuntil you're contenth wait time for an insurance

(25:12):
check up free, no obligation incomparison 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'rehis only customer when you choose Frank durand
the real estate man dot Com tolist your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martine, you're troubleshooter.

(25:42):
Three oh three seven one three talkthree oh three seven one three eight two
five five. Dan McKenzie is onhe's an estate planning expert and or he's
an attorney and and Dan, Iwant to ask some general question before we
get to Doug here, and whatis the main reason people start irrevocable trusts.

(26:08):
There's really two. One is toget assets out of your name for
some tax growth outside of your state, if you have an a state tax
issue. And then the other isfor asset protection, to get assets out
of your name so if you getsued you don't lose them. Both of
those require iravocal trust because if youcan revoke it, the irs and the
courts are going to be like,well, that's still your stuff because you

(26:30):
could just undo this. Now I'mgoing to give you a scenario, and
I don't think it was apropos inthis case. But Doug and his wife
started an irrevocable trust. The beneficiariesare his brother, which is his only
family, and his wife's daughter,not his daughter, her daughter. So

(26:52):
when they go, I guess thesetwo get fifty to fifty. Now here's
the problem. Doug and his wifedivorced. He said the trust was not
part of the divorce because it's alreadywritten and is a separate entity. So
now he wants to dissolve the trust. But you haven't said why Doug,

(27:15):
why do you want to dissolve thetrust? Well, we both wanted to
dissolve in my ex wife and myself. Why and why Well, because the
houses are in the trust. Andshe went down to pay the taxes on
the house out in Arizona and theytold her that it's in the trust and

(27:37):
that she needs to talk with anattorney. It's not like they didn't take
the money. They took the money, but once they found out she was
divorced, they said she needs toget that changed, get what changed to
get get the house out of thetrust. Well that's not true at all.
That's just not true at all youtwo both put the house is the
house paid off? Yeah? Thathouse is the one in a Laura isn't

(28:02):
okay? How many houses in totaldo you have in the trust? And
we didn't have the rental property inthe trust, so you have two houses
in the trust. You have bankaccounts? How many bank accounts are in
the trust? Savings and checking foreach one of us? And accounts and

(28:23):
investment accounts. I've never heard ofsuch a weird thing. So you guys
are divorced. So when you wantmoney, you write checks out of your
account and she writes checks out ofher account. That's right. And when
money is deposited, it's deposited inthose accounts. Yes, you know you're
not obligated to deposit your money inthose accounts. And if it was me,

(28:47):
I would no longer do it.But anyway, look at it.
I might be given advice out ofschool here. But Dan McKenzie, attorney
at law, can you see haveyou ever heard of such a thing with
everything? They have a trust irrevocable? I guess, but I when I
have encountered it, I had thesame response you'd have, which is,

(29:07):
I'm not really sure this was necessaryunless you were doing it again, like
sometimes you will put real estate inthe year of vocal trust so that all
the game that happens after they dothat is outside their estate. I don't
know if that was a motivator here. I doubt it. He has nothing,
I mean other he'd never mentioned anythingoutside of the trust. He said
everything they have is in the trust. How much is what's the value of

(29:30):
your investment accounts hers is? Ithink one hundred and eighty thousand in mind
is just a little over fifty.Yeah, there's nothing, man. So
let me ask you this. Ifyou wanted to take twenty five grand out
for a vacation, could you doit? As far as I know I
could? I mean, Dan,can they just willy nilly take things in

(29:51):
and out of a trust as theyfeel fit. If they do, it
might undermine whatever purpose there was.So if you were doing it for assets
protection and taxes, and you werejust taking the money back out and you're
the trustee and there's no constraints onyou, I'm in the irs is going
to swoop in and say this isnot outside your estate, this is still
your money. So well, andthey didn't do it for any of those

(30:11):
reasons, Dan. They didn't doit to protect themselves from a state tax.
They didn't do it to protect themselvesfrom creditors. They only did it
to pay fees to that company thattalked them into it. It was it
was marketed to us that that wasthe best way to protect our property in
case the death of both of us. But okay, there are so many

(30:36):
other options. I don't want toget into it. I have a feeling
this company ripped you off. Whatdid you pay them for this? Just
five hundred? That was it?Not another time? They don't administer it,
Nope, there are no fees paid. There are no fees paid,
Nope. In fact, it's hardto get in touch with them. So
we can say, Okay, Dan, I got to take this break.

(30:59):
But Dan, I'm hoping you cantell us how they get out of this.
If they can hold on, gowith a sure thing Denver's Best Roofer
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(31:22):
your coverage at dozens of insurance companiesfind out now three O three seven to
seven to one help. You'll thinkyou're his only customer when you choose Frank
durand the real estate man dot Comto list your home with Remax Alliance.
Three oh three nine two zero sixteentwenty two. Hi Tom Martino, your

(31:44):
troubleshooter three oh three seven to onethree Talk Dan mackenzie. How do you
get rid of an irrevocable trust?Well, it really depends on what the
trust says. It sounds like Kimand his ex wife are the trustees of
the trust, So it sounds likethey're able to dip in and take out
money with really any constraint. Soif that's the case, maybe they can
do that. I guess I'd justbe a little bit concerned if there's any

(32:07):
you know, who's supposed to receivethat money eventually. If they do that,
I guess those people could those peopleprotest potentially? Yeah, potentially.
Okay, So here's what I wantto ask, Doug. What will the
trust? What will your brother sayand her daughter say if you guys want
to dissolve that trust right now?I talked to my brother this morning.

(32:31):
He said he's fine, And whatabout wanting to my stuff? What about
her kid? Now that I don'tknow, well, I'm going to tell
you you. Are you sure youtwo are in agreement with this. Yes,
we both want to dissolve the trustso we can go our separate ways
and not have any any of that. And here's what you do to us

(32:52):
that it's best to it's better tohave a trust than it is to have
a will. Well, they're fullof crop. Okay, in some cases
that might be true. Listen,whatever they did, they did you wrong,
Okay. I don't care what yousay. There's no way in the
world you were a candidate for anirrevocable trust. You have nothing. You
have in the world of the States. You have nothing, Okay, truly,

(33:15):
and it's weird there was nothing toprotect. I suggest you. I
suggest you listen. Man, callDan McKenzie. First, have him go
over the trust document. That isyour first step. It's your first step.
Then he can see the most painless, quick way to do it.

(33:36):
It can be done if the planallows for it, and you don't get
a lot of objection. Eight threethree COO plans eight three three co plans.
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(33:57):
no obligation. In comparison, callCompass and Durance. Pay too much your
coverage at dozens of insurance companies.Find out now three oh three seven seven
to one help. You'll think you'rehis only customer when you choose Frank durand
the real estate Man dot com tolist your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Yeah, rip news. You need

(34:24):
advice? Who you don't have?Come run in sioutass can Shooter's gonna help?
Come man, This is the TroubleshooterShow. Now Tom Martino, Hi,
Tom Martino here, Welcome to theshow. Three oh three seven one

(34:45):
three talk seven one three eight twofive five. Waterpros dot net the best
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(35:07):
That's waterpros dot Net three oh threeeight six two five five five four Brett,
I'm not sure what you're commenting onMexico. Did we talk about Mexico,
Red hey Man, did we talkabout Mexico? Yes, yesterday you
talked to a gentleman that wanted todo Oh hold on, I know,

(35:27):
hold on. Let me recap thatsome guy called in with stage four cancer,
an aggressive form of prostate cancer cameback and in his lymph nodes,
and he wanted to know what whatabout these? Should I? He said,
should I go to Mexico? Well, that's a loaded question. We
had a doctor in from Grossmanwellness dotcom and and he said, look,
I can't tell you whether you goto Mexico or not. And and then

(35:51):
that was the comment. And hetalked about some pills and special diets and
all of that. Go ahead.Yeah, he's he's on the wrong.
I had a brother in law thathad this went to Thanksico for this treatment
many years ago, and he cameback in a pine box. It doesn't
work. It's just a scam.Well, Mexico takes so many people from

(36:15):
America on not just cancer treatment.Do you remember the old leatrill Do they
still even do? That? Wasit from Peach pits. Do you remember
that, doc Leatrill. Yeah,it was supposed to kill cancer, but
it was a poison and then soit was like anyway, there's all kinds
of treatments that pop up around theworld for people to go to. They

(36:37):
do a lot of dental work.Now there are a lot of people go
down there for dental work that swearby it, but for major dental work.
Well, remember you had a deputythat went down there and he had
a horrible result. I know,yeah, that's bad. Yeah, did
you get so your brother? Whatwas the treatment? Do you remember it

(36:58):
was? I don't well it wasthe same saying he's talking about the holistic
whatever. And you know, theypromised, they promised life. Three weeks
of treatment, they he'd be cured, and he didn't even live three weeks.
He just he wasn't that bad whenhe went down there, but he
came back in a fine box.I'm sorry to hear that. Thank you

(37:20):
for calling in appreciate it. Marshall. What's going on with you, Marshall?
He there, Marshall, Well canyou hear me? Yes, sir,
already. So I got this truckfrom my dad recently, and the
ninety nine Dodge Ram fifteen hundred.Now, when you say you got your
dad gave it to you, hegave it to me. Okay, so

(37:45):
right before he passed away. Soanyway, I ran into a situation where
I decided I was going to gosee my mom and take a sixteen hundred
mile drive in it, and allof a sudden I ended up powerless in
Iowa? How many miles on thistruck there are? Let me, I'm

(38:10):
sitting right here in the cab.So ninety eight thousand, five hundred and
eighty eight miles. No, therearen't no, there aren't no, yes,
sir on in ninety nine, Yes, sir, he never turned one
hundred thousand miles on that car.I put eight thousand on it in the
last few months. Okay, soactually more more, he hardly drove it

(38:34):
then, huh. Right towards theend of his life he didn't drive much
at all. Okay, So whatis your question? So basically, I'm
sitting here looking at a letter thatsays this letter is to inform you that
the warranty period on your vehicle's catalyticconverter has been extended to ten years,
one hundred twenty thousand miles or untiltwelve thirty of two thousand and six,

(38:59):
which ever is later. So ohon, it's from the Daimler price.
You're not going to get You're notgoing to get that catalytic converter covered on
a nineteen ninety nine Dodge. Didyou listen to what I said? Yes?
I did. I heard every wordand you said, whichever is longer

(39:21):
one hundred and twenty thousand miles?I heard it correct, And I'm going
to say this again. You're nevergoing to get it covered. Oh I'm
going to get it. Okay.I just figured maybe you would have some
press up your sleeve. Now I'mgoing to ask someone about it. I'm
not going to let my pessimism discourageyou. I'm going to get you.
I'm encouraged by your pessimist. Okay, good, it challenges you. That's

(39:45):
good. Let me tell you whythey're going to challenge the idea first of
the mileage, and then what they'regoing to do. You know, first
of all, one hundred and twentythousand miles, and I've heard of the
time limit expiring and not the readthat again, and I'm trusting you that
I will read it in two differentforms in the same letter, there was

(40:08):
there was a tear off, therewas a warranty adendum. Yeah, so
this first sentence here, and I'mskipping the bulk of it, just go
ahead, but this letter is toinform you that the warranty period on your
vehicles catalytic converter has been extended toten years, one hundred and twenty thousand

(40:29):
miles or until twelve thirty two thousandand six, whichever is later. And
they go on to describe the wasthis letter in the glove compartment. It
was in a folder. Okay,so now it looks like it's it's been
passed around an office for a fewweeks. But at the bottom and their

(40:52):
their catalytic converter warranty coverage addendum.They reiterated, and I was a little
concern learned initially in the first sentencethere was a slash there between between ten
years or one hundred and twenty thousandmiles, And then I read it down
below it says to ten years orone hundred twenty thousand miles, whichever is

(41:15):
later, from the warranty start.Here's what I think they mean by later,
is the date not the miles.Well, it's no, that's not
true. Does it say later ordoes it say longer? Sir? What
does it say later or longer?Says later? Up top and it says
it says ten years or one hundredand twenty thousand miles whichever is later from

(41:37):
the warranty start date of your vehicle, and that says date to me,
does it go ahead or one yearfrom the date of this letter or two
years from the date of this letterif you have failed a California smog check
or another state inspection, so okayor another it's about there there, and

(42:00):
that letter was sent, that letterwas sent, when that letter was sent,
when sent to December thirtieth, twothousand and five. Okay, So
it is beyond that second part you'reread. It's way beyond two years since.
But it's constantly saying whichever is later, And that's right. I get

(42:20):
it when it says whichever is later. And listen, man, I know
you want to prove me wrong,and I applaud you for it, but
I'm not wrong. Whenever they mentioneddates and they say whichever is later,
it is the later date. Mileageis not referred to as later. It's
referred to as longer. Goodbye.Three oh three seven one three talk seven

(42:45):
one three eight two five five.Here's what I have to say to Marshall.
Go get it covered. Go on, go get it covered. You
won't get it covered, all right, you will not get it covered.
It's logical. If it's said whicheveris longer, you might have an argument.

(43:07):
What it says is from this dateto that date, and it has
in PARENTHESI or whatever one hundred andtwenty thousand miles whichever is later. It's
talking about a date. But goahead, and I want you to call
me back when you get it coveredwith proof of coverage. Okay. And
if you do, if you getthat replacement covered, I will buy you

(43:30):
a steak dinner. You hear mea steak dinner. I want proof of
it. Wanda? What's going onwith you? Wanda? I come,
what's happening? I am calling aboutmy three nieces. The oldest one has
been declared mentally I'm incompetent crazy,But now she did have a court ruling

(43:55):
of incompetency. No, not acourt rulingta medically. Okay, well there's
a little difference there. Okay,go ahead, what so tell me about
it? What's going on? Sothe second, the middle sister currently has
power of attorney and medical proxy andshe did get okay, she got power

(44:15):
of attorney for her sister. Yeah, and she was living with a sister
in Arizona. Since then she hasdropped the older sister off with a younger
sister in Illinois and she's been stayinghere or staying on. Okay, So
one sister had power, has powerof attorney and wants to transfer to another

(44:39):
sister. Yes, and we arenot exactly sure how we go abal oh,
okay, let's and medici and okay, okay, good question. What
kind of power of attorney was it? I know she's in charge of everything?
Okay, A durable power of attorney? Was it called? I said,
I don't know, tom okay?And when was her bank accounts everything?

(45:04):
And when was it issued? Thepower of attorney? About four four
or five years ago? And wasit done voluntarily by her before she was
declared incompetent or by the court.I don't think the courts were ever involved.
So if she wasn't was she incompetentwhen she signed it? Yeah?

(45:27):
Well then how could she grant powerof attorney? I don't know. I
don't think it's okay, that's whyI was asked. I know it was
done. Maybe it's through the SocialMaybe it's more medical proxy, because she's
like, you know, her representativefor Social Security. Okay, and no
one, no one questions it.Right, that's the most important partner.
Okay, yeah, no one,no one questions it. Okay. She

(45:52):
she's ready to turn it over toher younger sister. I get it.
Yeah, okay, So it's notlike we have to even prove it anyway.
We just have to transfer hold onand we'll get an attorney to talk
about this. Okay. Uh,let's get let's try to get Dan back
on three oh three seven one threeeight two five five. Go with a

(46:13):
sure thing Denver's best roofer Excel Roofingdot com. You don't pay a cent
until you're content. Time for aninsurance check up, free no obligation comparison
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three oh three seven seven toone help. You'll think you're his only

(46:34):
customer when you choose Frank durand thereal estate Man dot com to list your
home with Remax Alliance three oh threenine two zero sixteen twenty two. Hi
Tom Martino, your troubleshooter three ohthree seven one three talk three all three
seven one three eight two five five. Now did we get our attorney is

(46:59):
the avail? He's not hold on. He is not available at all today.
I've called all of them and theyare not able at this point.
So we could book her for laterand I could try to make that we
We just had our attorney on earlierabout estates and about legal stuff and transferring,
and neither Mackenzie law or kill andParker answering at this point. But

(47:23):
we will get your answer for youand call you back for sure. You
want to know about transferring power ofattorney. Now here's the complicated part,
okay, and this is why Iwant to ask an attorney. Under normal
circumstances, it would just be atransfer with the principle doing it. But
the principle is incapacitated legally, orI think she is, although although like

(47:52):
if you if you wait, wait, if you she hasn't been ruled incompetent
by the legal system, I thinkright. But let's just explore this.
So for example, if you talkto her right now? Does she know
what's up? Yes, she hasmuch better. Now, what is incompetent?

(48:12):
When you say she was ruled inwhat does that mean to you?
Well, whenever she first got sick, I mean she literally was basically kind
of out of her mind. Whoruled her incompetent? Who said she is
incompetent? Medical? What's medical mean? What does that mean? Medical?

(48:34):
I don't know anyone named medical doctors. Okay, there was literally a doctor
who said she is incapable of handlingher own affairs. Yes, okay,
are they still saying that? Well, she still meets with them all the
time. You know, she hasappointments with them, and you know they've
controlled a lot of it with medications. And what are what are they controlling?

(48:59):
What is her condition? Oh god, she was having seizures really bad.
She was actually an alcoholic. Andthen okay, I get what you're
saying. Okay, so right now, here's what I'm thinking. And this
is not legal advice, But ifthis was my sister, what I would
do is this, She's never beenruled incompetent. She could go out right

(49:22):
now and buy a car if shewanted to write, I suppose there's no
court document saying she can't buy acar. She okay, there's nothing saying
she's incompetent. There was just atime, right other than the doctors.
The doctor never filed. This wasan opinion of a doctor at the time.

(49:46):
It was a snapshot. It wasn'ta declaration. There's a difference.
You know. There's many times adoct will come out and say, oh,
she's out of it, she can'thandle anything. You better help her
out. But no one did anything. They just got a power of attorney
and she signed it. So doyou get the sister that's in charge of

(50:08):
everything. She keeps saying they haveto go into social Security to get it
transferred. Nobody as social Security getsanything. Social Security does nothing. I
don't even understand what that means.Well, I guess social Security can designate
another person as their proxy. No, the person designates them, social Security

(50:28):
doesn't designate them. Well, okay, same thing. But so so your
sister. I know what happened.The two sisters went into social Security,
right, No, just the one, just the one and what did you?
Oh? Well, the one okay, yeah, the one that is
mentally impaired, and her sister wentinto Social Security. Well, guess what,

(50:52):
they would have never transferred, Theywould have never made a designee.
If that sister was incompetent, thatperson at Social Security simply designated someone because
your sister had to have communicated thatthat's what she wanted. So somehow,
somehow, when they went to SocialSecurity, your sister made her desires.

(51:21):
Non. So this is what I'masking. If your sister, the so
called incompetent one and the other one, if they both go into Social Security
today or tomorrow or whenever, wouldthat sister have the capability of saying,
I want to designate someone new.Yeah, then that's what you do,

(51:46):
okay, because really that's what youdo. That's what you did before.
There was never a court case thatthe Social Security doesn't meet with people and
say, oh, yeah, Ican see what you say. She's looney.
You can be the you can bethe designee because they don't know that
that looney one wants the person in. So if your sister went in and

(52:07):
she truly was looney, and shesaid and she was there, blah blah
blah blah blah blah, and theother sister says, I'm going to be
your designee, Social Security would say, how do I know that? Where's
your court document? They would neverdo it. But if both sisters went
in and one is frail and weekly, and she says, I'd like to
designate my sister as my designee,and the sisters there, they would process

(52:30):
the paperwork. That's exactly what happened. Now, what does that mean?
Where is where is our sociuity checkbeing sent? That's the question. No,
it isn't a It doesn't even matterto me where it's being sent.
It can be sent. What mattersto me is how the designation was determined.
It was not determined by court.It was determined by an appointment.

(52:52):
So anyone can do that on theirown. I could go intoday, I
could go into today and make Docmy designee for everything Social Security. I
could not go in with Doc ifI was not speaking or in my right
mind. They would say to Doc, sir, where is your court paper

(53:14):
work? This person obviously doesn't knowwhat they're doing, so it's going to
be easier than I thought. Yourtwo sisters go to the new Social Security
office where she lives, and shesays, I want to take this sister
off and make this sister my newdesignee. That's it. I don't see
why it doesn't take anything. Hadit been court appointed, it would have

(53:37):
been a different story. Then.As far as where the check's going,
who cares? I imagine the sistersgetting the check to manage it for her
sister. But that's up to themto work out. Three h three seven
one three eight two five five.What's going on, Cynthia? What's happening?
Hey, I'm sorry, I'm inlin at walmart I No, you're

(54:00):
okay. Let me get out ofhere. I have a question, and
I don't know if you could sayor not. And I've listened to you
for years and years and years wereokay, but my husband, thank you.
We're about to celebrate our twentieth anniversaryof meeting each other, and I'm
just trying to do something special.And he loves he loves old land cruisers.

(54:21):
So he's not really a car guy, but he loves these old land
cruisers. He had women when hewas young. It was a seventy two
if you know what I'm talking about. Okay, So you're looking to surprise
him with a day or a lifetime. You're going to buy it or do
you want to rent it? No? No, no, no, no,
no, no, not by butwe'd like to rent. I would
like to surprise him and rent something. I have no idea how to find

(54:45):
something like that, but it wouldabsolutely thrill him. And so I know,
you know, like a ton ofpeople. So I've got to reach
out to the start. It's calledclass This is not the name of a
company, but there are classic carrentals. How Ever, I don't know
of any still in business. Butthere is one I think still in business

(55:07):
called Exotic Drives of Denver. Ithink I haven't looked them up in a
while. Exist they might know youmight call it. But here here's what
I'm hearing. Okay, when Ilooked it up online that exotic cars are

(55:30):
drives, I'm sorry of Denver.And it has five No, it has
six stars, for God's sakes fromYELP. Now, as far as I'm
looking for others for classic, whatyear would this car be? He likes
the seventy two, But you know, I'm not going to be super picky.
These look more like like sports cars. But I would start there.

(55:53):
Those people would know a lot.Oh. Another one is Street. Although
they're a dealer, they're not arenter. A street dreams, but they
might know anyway. Exotic, I'dstart with Exotic Drives of Denver, and
I have the number here seven sevento zero two nine one seven three six

(56:16):
one. Now there is something elsecalled have you ever heard of the peer
to peer rentals? Oh? Yes, I have, And I was kind
of one of the reasons I wascalling because I thought maybe someone would hear
me and be willing right, andif so, you leave your number,
we'll get we'll definitely pass out on. There is there's something called turow.

(56:38):
I believe that's peer to peer.It's kind of like when you go to
a city and you want to renta car. You can literally rent someone's
car, and there might be peopleon turow that have older cars to rent.
I'm not sure. Listen, Iwould start. I would start networking
with Exotic Drives and Thenina get hernumber and if someone calls or Shannon,

(57:04):
thank you. If someone calls andsays, hey, we have an old
car, we know where to rentone, then we'll pass it on.
Three O three seven one, threeeight two five five Go with a sure
thing Denver's Best roofer Excel roofing dotcom. You don't pay a cent until

(57:27):
you're content. Time for an insurancecheck up free, no obligation. In
comparison, call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three oh three sevenseven to one help. You'll think you're
his only customer when you choose Frankdurand the real estate Man dot com to
list your home with Remax Alliance threeoh three nine two zero sixteen twenty two.

(57:54):
Hey, I'm Tom Martine, yourtroubleshooter three oh three seven one three
talks seven one three eight two fivefive. All right, let's talk.
I want to go back to Cynthia. Guess what we found something here?
Oh? You did? The actualcar jaris over here, Hanson. He's

(58:15):
with Retirement Planning Center. Rockies founda site. What is it? Jarrifs
turn your mic on there? Brodriveshare dot com, Tom drive share and
what is it? What is driveshare? I don't know. It looks
like a place where someone can listtheir car for rent. A classic car.
Found the exact Toyota Now, notthe exact it's a seventies land Cruiser.

(58:36):
You can go there and just searchby making money likes, Right that
land Cruiser yes, yes, theone that looks like a jeep. Yeah,
you know what I mean. Inother words, it's more of US
Afari type vehicle. It's not it'snot the new land Cruisers right right,
right, several times, and that'swhat he wants to see. And I'm
looking at the elephants and he's lookingat the cars and so yeah, okay,

(59:00):
so jaris that this is rideshare?What does she do to search for
that? Just driveshare dot com.There's a there's a rent a car option
on that website. And when yougo to the and when you go to
the rent a car, how'd youfind that particular Toyota landruser. You can
you can filter by making model filterthrough the list, and there it was
on the list. There. They'reall over the country. It looks like

(59:20):
I'm listening. I'm no expert inthis. No, no I know,
no, no, he just Iknow. But you happen to find So
let me ask you this is itis that particular one listed as Denver?
Uh? Yeah, it is Denver, Colorado. Does it have a price
on there? Twelve fifty a day, twelve hundred and fifty, Holy crap,
pricey one. There's a lot lessexpensive one elsewhere other states. Bit,

(59:44):
yeah, there you go, so, yeah, let us know how
it goes. That is so cool. Now, Kevin's got a comment on
a house bill regarding water. MaybeI don't know about this one, Kevin.
Is this a state or federal?Yeah, it's a state house built

(01:00:04):
twenty four dash thirteen forty four.Okay, I want to run. Can
you say that again? Twenty Whatis it? Twenty four dash one three
four four one three four four Okay? What is it? Well, it's
it's about backflow testing, and whatdoes this say? The State Plumbing Board
is trying to make it so thatnormal backflow testers have to be licensed plumbers,

(01:00:30):
which is going to put a lotof people out of work. Is
that entirely? Is that entirely abad idea? Now? I know nothing
about backflow testing, but it soundsto me like it's where sewage can meet
fresh water. No, yeah,or chemicals, just anything bad that could

(01:00:50):
get back into the drinking water.So tell me and we'll be through why
or how a test is done orhow this is done. So you you
put a gauge on it, it'skind of like a lot of a lot
like the gauge on an air conditioner. Yeah, it was like that where
you hook the cables up and youknow, the two don't and you don't

(01:01:13):
break the line. No, youyou just hook up to it and make
sure that the check the check balvesare working and the release valve. You
know, you just make sure thatit's doing its jobs. So it's it's
a pretty simple Well it's not simple. It's it's kind of complicated. And
testers are important because they test theseevery year to make sure that they're working.

(01:01:38):
But uh, and you know there'sthere's not enough plumbers to take over
all this work, and they're tryingto make it so that you have to
be a licensed plumber and if you'renot, you could a test or could
get a thousand dollars fine for notbeing right. Now, this is just
this is a bill, which meansit's it depends on who has the stronger

(01:02:00):
lobby. Yeah, so supposedly itgoes into effect on July first. Oh
it's already passed. Yeah, likeit went under the radar, Like they
never posted it anywhere, they nevernotified anybody. They just tried to Now,
do you have to be a masterplumber? Well, I think it
says licensed plumber. Okay, gotit? Okay, yeah, so you

(01:02:22):
have to be licensed? What noware you? Are you in the business,
Kevin, Yeah, I am inthe business. So it affects me
a lot. What do you doin addition to in addition to checking these
backflows? What do you do?I make sure that they're compliant with the
CDPH, the Colorado Department. No, but I mean, is this all

(01:02:43):
you do? Is this your mainbusiness? It's my main job. Yeah.
Oh man, holy crap. Wellhow hard is it going to be?
How hard is it going to befor you to be a licensed plumber?
You need a a license plumber.You'll also have to have a master
above you that you pay a feeto and you have to work a certain

(01:03:05):
number of hours for like four years. Oh no, oh yeah it's hard.
Yeah, it's ridiculous. No,no, no, you don't.
You can be an apprentice, can'tyou. Well, yeah, but what
about all the testers. I'm notactually a tester, but there's there's thousands
of testers out there that are goingto be put out here. If you're
not a tester, what are you, I'm a I'm a water purveyor.

(01:03:30):
Well, how does this affect you? Then I mean you said you're you
just said you're not a tester,so you're not going to be affected.
All the testers they have to giveme their reports and then, oh,
I say, so they make thetesters work for you. We work for
businesses actually, and then I justmake sure that they're compliant. Okay,

(01:03:52):
won't You still have plenty of peopleyou don't have to be licensed? Do
you to make sure they're compliant?I don't, but I'm not going to
get the test reports if okay,if they're all out of business, yeah,
they're all out of business, andyou know where they're already behind.
So this is just gonna make itworse. So and not only this,

(01:04:13):
but think about this. How muchmore is it going to cost consumers?
Yeah, it's going to cost thedouble. It's going to cost businesses double
or maybe who I was just goingto ask that, who is it?
Who is it that has to haveback valve valves tested? Who is it?
Businesses? Restaurants? Every business?Okay, every business? This is

(01:04:35):
amazing. We need to get astay of execution. Well, Kevin,
I don't know how you do that, but I am going to look into
it. I promise I'm writing itdown here. I will look into it
and see what the heck's going on. Go with a sure thing Denver's Best
roof of Excel roofing dot com.You don't pay a cent until you're content.

(01:04:57):
Time for an insurance check up free, no legation comparison call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three all
three seven seven to one. HelpYou'll think you're his only customer when you
choose Frank durand the real estate Mandot com to list your home with Remax
Alliance three all three nine two zerosixteen twenty two. Hi Tom Martino,

(01:05:24):
your troubleshooter three all three seven toone three talk seven one three eight two
five five. I was just readingto RP Center this guy that invested in
a in a fund and he evencan you explain, first of all,
Josh or Jerish either one? No? No, I mean I didn't mean,
I meant either one, the betterlooking one. How about that?

(01:05:45):
I would like to know what aprivate fund is? Okay, Really,
people are presented with private funds allthe time, and they're not necessarily for
everyone, But what are they?In general? They're there are private note
funds and private equity funds and privatethis fund and that fund. This one

(01:06:05):
happened to be a private fund,and it was for it was a fund
of financing other financial endeavors. Butwhat is a private fund real? Simply
put Tom, a private fund isjust something that's not publicly traded. It's
it's issued by an issuer, youknow, to a specified number of people,

(01:06:28):
usually to a limited distribution. Soyou and I may not have I
can't speak you and I might nothave access to it unless it's a specific
person. But you guys have gottenme in a private note fund before and
it made me a lot of money. Right, But you were very careful
in saying this is a private fundand it's legit meaning that it was established

(01:06:53):
legitimately in all the ropes or allthe hurdle spot they're not actually registered,
they don't have to report or howdoes that work? Now? What we
had you and Tom was actually astructured note, which is what it's a
publicly available. Oh it is public, Okay, that's not about one?
Is this not private? Private?Like Josh said, is correct. It's
it's something that you can't buy throughin exchange. It can't go to the

(01:07:15):
meeting. But do they have regulation? Oh yeah, absolutely, I mean
I mean they have to. Theystill are covered by the Anti fraud and
the and all of that crap.So they can't just offer you like rainbows
and unicorn, right you when you'rein a private fund, somebody wants to
know. They're looking at their privatefund that they put money into a quarter

(01:07:38):
of a million dollars and the navis net asset value is valued independently now
at like six hundred thousand. Doesthat mean that his investment actually grew that
much according to an independent value?That's correct, the current value essentially,

(01:08:00):
and that has to be done byan independent party. Now, when there
is a liquidation event, if hemakes all of that money, is that
immediately taxed or does he it's nota qualified fund, it's just an investment.
Are you taxed every year on youramrrior trades and your schwabs in your
are you correct? Yes? Ifit's an after tax account, whenever you

(01:08:24):
get a ten ninety nine on thatcorrect, Yeah, So that'll be a
big hit absolutely. Now depending onhow long it was held. If it
was more than a year, it'dbe a long term capital gain. And
that's different than ordinary income, waydifferent. Correct, Absolutely, Wow,
Okay, so the answer to himis he does pay tax on that in

(01:08:44):
that year. Yes, okay,we got more coming up. Any questions
you have Rpcenter dot com or RetirementPlanning Center of the Rockies. I'm Tom
Martino, and problems, questions,complaints, anything you got, give it
to us at three h three Martinothree oh three six two seven eight four
sixty six or seven one three help. That's what's seven one three Go with
a sure thing Denver's Best roofer ExcelRoofing dot com. You don't pay a

(01:09:09):
cent until you're content. Please timefor an insurance check up free, no
obligation comparison call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three oh three sevenseven to one help. You'll think you're
his only customer when you choose FrankDurand the real estate Man dot com to

(01:09:29):
list your home with Remax Alliance threeoh three nine two zero sixteen twenty two
Ripped of news. You need thatso you don't have come runnxious as we
can. Shooter's gonna help come.This is the Troubleshooter Show No Tom Martinez,

(01:10:01):
Hello Tom Martino here, Welcome tothe show. Three oh three seven
one three talk three oh three sevenone three eight two five five. It's
really hot out. If you needsomeone to look at your AC and an
honest assessment with no exaggeration, trulygood people eight eight eight heating dot com
three oh three seven seven zero twoseven seven six three oh three seven seven

(01:10:25):
zero two seven seven six Welcome.So we have Josh with us from Retirement
Planning Center of the Rockies. Wetalked to touch a little on retirement and
investments and our financial lives, andwe're also talking to you about problems,
questions and complaints. And one ofthe complaints we get a lot of a

(01:10:48):
lot of when it comes to airlines. Are there better airlines and worst airlines?
And do you ever do you everavoid an airline? My contention is
that most people buy tickets based onprice and when they're going price, and

(01:11:11):
when they're going they find, whenthey want to go, when they want
to leave, and the price.I will venture to say that very few
travelers actually pick airlines. I reallydon't believe they do. I think there
are some with loyalty programs that mightwant to gain miles, so they pick

(01:11:34):
one because they have so many miles. But I think, normally, what
do you think, Well, Ithink people will do what I usually do
is I'll let's them going to Miamion Thursday, y or whatever, okay,
or go or in three ways.Right, I'll go on the Frontier
and I'll look at the time andthe price. Then I'll go to Southwest
and look at the time and theprice. And you're right. But I

(01:11:54):
don't just go to one airline.I think everybody looks to see or they
go to an aggregate site. Yeah, I think most people don't do that
anymore. I think they do.You really I want to I want to
hear. I want to hear.I want to hear. I think most
people maybe they don't. Maybe Ithought they'd go to Expedia or somebody or
somewhere. Well, you don't haveVelocity and just put in times and dates

(01:12:15):
and see what pops up. Well, you know, Southwest is a huge
then for base airline, right,and they don't they don't go through third
party services. Sure, the absolutelypositive. You can only go book it
on Southwest dot com. So here'sthe deal. When you are looking for

(01:12:35):
an airline ticket tickets and you wantto go somewhere, do you compare and
go buy price and schedule? Ofcourse you do. Now, if two
have the same price and relatively thesame schedule, you might pick one airline

(01:12:55):
over another. But I don't knowof anyone who says, oh, I'm
never flying Frontier, or I'm neverflying Southwest, or I'm never flying United,
although it's come close with Frontier becauseof how they have left people high
and dry in areas with cancelations andstuff like that. But hey, Josh,

(01:13:19):
out of curiosity, when you travel, do you select airlines or time
and schedule and money? What doyou do? Uh? I'm pretty strict
with the airline you are? Iam? I'm a Southwest guy? Oh
come on, I am. Whyit's this convenient? It's easy. I've
traveled with him for years and years. So you actually like you'll go out

(01:13:40):
of your way to you Southwest?Absolutely? Oh? Well, then that
proves me wrong right in this roomI did first time? Ever? No,
no, I don't. I wouldlike to jump on and say that
he will not fly Frontier. Whowants to Fuller? Oh? Fuller?
Okay, where is he John,I'm a Southwest guy. I will not
fly Frontier period. But are youbut wait, wait, wait though,

(01:14:01):
when you say Southwest, are youa Southwest guy or just other than Frontier?
No, I'd say probably. I'dfly probably twenty five flights a year,
twenty four of them are Southwest.But is it because of price,
John, and convenience? Well?Yeah, price and convenience, But I
don't. I won't choose a differentairline over ten bucks. I mean,

(01:14:25):
okay, I am loyal to adegree because I understand the travel. I
understand everything I have. You know, I have priority on that airline and
stuff, but I do on otherairlines. But my my first choice generally
is going to be Southwest. Andyou know, and and when you're going,
John, do you go on Southwestto look and then go on other

(01:14:46):
sites and look or how do youcompare? No? I won't. And
the reason why, Tom is becauseI you know, I sometimes have to
change plane tickets with not a lotof notice, and I can do that
on Southwest with no penalty, andother airlines don't have that feature, and
so you know, it's just aconvenience thing. I know what I can

(01:15:08):
do on Southwest if I need tochange something, I change it and move
on and I never get penalized forit. I've tried other airlines. I
have, you know, status onAmerican airlines, but you know it's it's
twice the money for the same ticket. So do you get anything better on
American than Southwest? In my opinion, no? Okay, So you know

(01:15:30):
you have to travel a bunch ofthem. For the average person that travels
once a year on an airline,I don't think they could ever tell the
difference between one and another price rules, but if you spend a lot of
time on them, there is adifference and you end up liking one over
the other. Do you know whogot the best ratings as far as number
of complaints per passenger hour or passengermile. I have no idea has the

(01:15:56):
best record. Yeah, that's notsurprising. Alaska's neck. Yeah. Now
what's amazing is Southwest? Oh yeah, south West does very well. Holy
crap, they do very well.Actually, In fact, what they did
was they did what they called premiumairlines versus economy airlines. I don't know

(01:16:16):
how they made that breaking point JDPower, but JD Power says, as
far as the best economy basic economy. Airlines Southwest is actually number one,
and guess who's the worst for complaintswhen when it comes to here that you're
you're exactly right. Hey, John, do you think that now that AI

(01:16:38):
is going to solve a lot ofFrontiers problems? You know? I forget
who it was AI and wa,Well, I'll tell you you can't talk
to a person at Frontier. We'veall experienced. Yeah, customer service sucks,
but it goes beyond that. Lesson, AI go on and replaced the
seats. I don't think so well, I did some I forget who I
called up the other day, andyou could tell it was AI and the

(01:17:00):
woman's voice. There was a womanthat was using AI and she told me
everything and it was really as ifI was speaking and it was no,
No, I know they're incredible.Hold on a second, I want to
I want to talk to uh Andrew, Andrew, you have a comment?
Go ahead? Yeah, A couplethings, uh uh yeah. Google flights

(01:17:23):
they list them all And I hateto say it, but Doc was right,
but but Southwest is now and soSouthwest is now what wait you cut
out? Southwest is now what?Listing on Google flights? Okay, Okay,

(01:17:43):
So what do you what do youfly? Uh? I was pretty
loyal to Southwest for a while,but lately it's been United And is there
a reason? But I don't.I don't fly. I don't fly a
lot. Yeah, it's it's priceand convenience, and yeah, I don't.

(01:18:05):
I do not stay loyal to anairline except I will not fly Frontier.
No. Seeah, I I haven'tflown Frontier in years, and and
I hear bad things, but they'rethe worst, the worst ever. Thank
you, Deputy Chopper. What's yourcomment? Go ahead, Tom, I'm

(01:18:29):
a former F nine employee, whichis Frontier. I wouldn't fly them.
I only fly Southwest. What didyou do? What did you do for
Frontier? Oh? I drove theelectric carts up and down the Uh.
Uh was that after? Was thatafter your career as a police officer?

(01:18:49):
Yeah? Okay, so it was. So what did you not like about
it? Oh? They didn't likeme, so it kind of became mutual.
But what kind of stuff did younot like? Hey, their employees
only worry about one thing, getthe flight out on time. They were

(01:19:11):
never kind or cared about customer serviceor anything like that. I fly Southwest
because of the change piece. Theydon't have any and I like to change
my schedule and everything, and that'smy main reason I fly Southwest. All
right, thank you, Deputy Chopper, he say, Southwest. And here's

(01:19:32):
the deal. I've heard. I'veheard nightmares about Frontier stranding people and not
having other flights and all of that, and I've just heard nightmares about it.
I've also heard there's only one thingabout Southwest that bothers me, only
one thing in fact, all airlineswhat bothers me is they load from the

(01:19:54):
front of the plane, which isstupid. They should load from the rear
of the plane, or they shouldload the rear seats first going forward.
You can't do that with Southwest becauseif you put the seas in there first,
they're going to all take the frontobviously. Now here's the other thing.
Here's the only problem. Guess whatit is about Southwest that I'm like.

(01:20:15):
It's just one simple thing and theydon't do anything to stop it,
and that is saving seats. It'sjust wrong. You get John, I
don't know if you ever came acrossthis, but you'll get a guy that
pays for a priority or it getsone and I had one guy, there's

(01:20:35):
like six seats, and every timeI went to one, oh no,
that's saved. And I said,what are you talking about? Saved?
Screw you? I mean, butthe attendants don't do anything about it.
They let you put a book onthere, they let you take any seat
you want. So one person couldliterally save ten seats, John, did

(01:20:57):
you notice that? Ever? Ihave flown on Southwest many many, many,
many many flights, and usually it'sa guy trying to save a seat
for his wife or something he probablydon't want to sit next to. I
don't care about one seat. Idon't care about one by save ten seats.
Ever, I've seen people always thefirst guy on the plane too.
So I'm in the first five orten people. How do you get to

(01:21:19):
be the first five or ten onthe flight? I want to do that?
You fly an awful lot. Canyou buy that position? Yes?
You know what, Yeah, youcan buy it. You know you can
buy one. You can buy oneto fifteen, I think, right,
right, Yeah, but that's aone through fifteen. You're the first,
you know, fifteen people getting onthe plane and it's first come, first

(01:21:39):
served. Yeah, John, don'tdon't you find that the best seat is
that exit seat where there is onlytwo seats and you have a huge amount
of legroom in front of you.I mean I pay forty bucks to get
that seat. I am a secondrow window kind of guy. See,
I don't like windows. I gottapea too much. I like that.

(01:22:00):
See where you have nobody in frontof you. That's I sit over there.
Mind my business, get put myheadphones down, leave me alone,
and and I don't have to getup second row window. That's my seat.
Okay. Anyway, hold on asec. We got we'll be talking
to you in just a minute.We got more coming right on. Go

(01:22:24):
with a sure thing Denver's best rooferExcel Roofing dot com. You don't pay
a cent until you're content. Timefor an insurance check up, free no
obligation comparison call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three all three sevento seven to one help. You'll think

(01:22:44):
you're his only customer when you chooseFrank durand the real estate Man dot com
to list your home with Remax Alliancethree all three nine two zero sixteen twenty
two Ki Tom Martine and your troubleshooterthree oh three seven to one three talk
seven one three eight two five five. So I have Josh with me from
Retirement Planning Center of the Rockies.I invite your calls on any and all

(01:23:06):
problems, questions and complaints. So, Josh, I want to ask a
question. I want to give itan age group, and I want to
tell I want you to tell meany the Okay, I'll just ask a
question. For example, people whoare in there. I don't know if
people even come to you in theirthirties. What does anyone have the foresight

(01:23:26):
to come to you in their thirtiesfor retirement planning center. They're still in
the immortal stage of their life.Yeah, you're exactly right, Tom.
Most of the time when we seefolks in their thirties, it's usually children
of clients of ours, okay,But how about in their forties, normal
clients. Sometimes it's it's even rarein their forties it is, okay.
So let's say someone does come toyou like in early fifties. Maybe yes,

(01:23:49):
no, yeah, that's most I'mthinking they're not immortal, okay,
So then old age is not arumor? Uh? And they come to
you. What is the first thingthat you notice people do wrong? A
lot of times have done wrong.Sure, it's not even necessarily you know
what they've done wrong? Tom.I think a lot of times people think

(01:24:10):
that, oh, I've got Xamount of dollars saved up, so I'm
doing good. But really the problemthat we see more often than not,
Tom, is there's just no realplan. It's just I've saved and I'm
going to draw down exactly. Okay, so what about now? I agree
with that accumulation without regard to planning. Correct? So with accumulation, do

(01:24:30):
most people have an employer sponsored planif they work for someone? I'd say
most do? Yeah? Is thatmostly? Is that what big companies or
medium companies do now to keep employeescorrect? Four one K with a match
of some sort, if they contributeup to x percent? Yeah, that's
pretty common. Do people go beyondthat on their own? Usually? First
of all, everyone if they haveone, should max that out. That's

(01:24:54):
the number. Don't you think that'sthe first thing they should do. Yeah,
there's two schools of thought here,Tom. One is you know,
if a the company is going tomatch, contribute at least up to the
match get that match, because that'smoney that's going to come into your account
by the company. Okay. Theother train of thought is what you just
mentioned, max that thing out.Why wouldn't you for tax free or tax
deferred, sayle, Well, there'sa couple of reasons why someone wouldn't want

(01:25:15):
to contribute to the max. One, you know, maybe they need that
income. Okay, well, obvious, Sure, that's an obvious one.
The second one though, interestingly enough, with most folks, the more you
contribute to an or a four ohone K over the years, in theory,
you're going to have a higher valuedown the road. That's going to
create more taxes for you. Well, sure, but you grow tax defer,

(01:25:39):
you grow tax deferred. But whenyou start driving those spreads, you
can spread it out. You could, But for a lot of folks,
the issue that they're going to runinto. We're seeing more and more folks
work into their late sixties, youknow, getting close to that required minimum
distribution age. Once that required minimumdistribution age comes, they're having to pull
a lot more money out than maybethey might be needing, and so that

(01:26:00):
creates an unnecessary tax burden on theirsituation where they're giving more money away to
the government when maybe there could havebeen other strategies that they could have employed
over the years. Okay, sowhat would be a strategy to do that?
I mean, I don't even knowwhat would you do? Sure,
there's all kinds of things. Imean, you know, roth iras are
a big thing nowadays. You know, income limitations are applied. Obviously a

(01:26:27):
lot of folks don't know that lifeinsurance. I think, oh, life
insurance is expensive, it's not necessary. That's a great tool for act accumulation
in a tax favorable way. Alot of folks don't realize that. But
a lot of folks out there aren'tutilizing life insurance in the most appropriate ways
more often than not. And that'swhen folks get frustrated. I'm not sitting
here advocating for life insurance. That'sjust another vehicle. I know exactly what

(01:26:48):
you're talking about. You don't buylife insurance necessarily for the death benefit,
but you try to balance it withcash accumulation that you can borrow later on.
Absolutely, I mean, this isa theory that that's been going on,
not a philosophy, a theory,a strategy for years and years and
years, and there's absolutely nothing wrongwith it, No, heavens no.

(01:27:10):
I mean it's a great tool.Yeah yeah, and it's not the only
tool. Like I love to usethe word tool. It's a tool in
our tool chest. But when structuredproperly, that can be a really advantageous
tool that doesn't have the same limitationsthat like a four oh one k R
I RA might have. Right,okay, so as far as retirement,

(01:27:31):
but what about protection? Okay,we know a lot of people push annuities
for protection. I like annuities,by the way, I like fixed annuities.
I don't want a variable innudit.But and actually even even that,
there's nothing all bad or all good. There are some things about variable annuities

(01:27:56):
that I believe sophisticated investors would benefitfrom. The sure and just for those
listening, we always say fixed annuities. We always say stay away from variable
annuities. Variable annuities in and ofthemselves are securities. They're like buying stocks.
A fixed annuity is not. It'smore of an insurance product. What

(01:28:19):
a variable annuity is really is apot of money that they let you invest,
and all of the earnings with thatpot of money our tax deferred correct
So what they're saying to you is, if you know what you're doing and

(01:28:39):
you want to have some fun,take a pile of money, invest it
with us, and will let youplay the market and defer all of your
earnings and then someday that's going tocome out to you as income. Isn't
that a basic explanation of a variable. Yeah, real high level. Naturally,

(01:29:00):
if you don't make money, it'son you, fair right, The
risk is on you. If youdon't make money, it could be you're
not going to have much income.Now, I do believe they do preserve.
No, they don't even preserve youroriginal investment. Do they variables?
No? Not, unless you buyit like some sort of death benefit writer.
You know something of those. Youcan get a death benefit, but

(01:29:24):
you're not going to get any guaranteedbenefit amount or benefit, or guaranteed income
or guaranteed anything you could. Thoseare additional writers. But the true variable
is tax deferred growth in an investmentproduct. Absolutely okay. So it's like
having a mini account, a ministock account that you play with and all

(01:29:46):
of the earnings are tax deferred.Correct, nothing wrong with it. You
can even have an advisor help youwith it. Right, absolutely, Okay,
so why are people so down onthem? So a lot of the
folks that are down on them areor usually approaching retirement age, and you
don't want to do that close toretirement. Correct. Most variable annuities are
expensive, quite honestly. Okay.The the the fees, yes, most

(01:30:11):
do you pay portrayed as well ornot? You can. There might be
transaction fees associated with the mutual fundsthat are associated with them, but most
of the variable annuities those will rangeanywhere from two to four percent in costs
per year, per year, peraccount balance with all the writers, the
mortality and expense, the admin fees, I mean, they stack up,
okay, So that's where they gain. So even if you make some tax

(01:30:35):
defer growth, about two or threepercent of that could go toward expenses.
Absolutely, that's a lot of money. It is. It is. And
the other side of things tom too. Most folks when they're looking at annuities,
they don't want market risk, andthat's what a variable annuity provides.
And so that's where you know,right, any they want to they wanted

(01:30:56):
to find growth. Correct, Absolutely, the good part about a variable and
I'm not pushing this by the wayon the common person. Seriously, I'm
not, but it's good to discussfor knowledge. If you have a variable
annuity, though, the upside ison a great market like this, you
can just do an index fund andmake a crapload of money, sure,
and then you can take it outand go to cash when it's not well,

(01:31:18):
if you mind the store, youcan pretty much you can control it
to some extent. Yes, andno, Tom, Most of these companies
that issue variable annuities have a minimumcash or a maximum cash allowance within those
and you have to utilize their subaccounts whatever. You can only invest in

(01:31:40):
what they want. It's not assimple as getting in and out of the
market within those variable annuities, Okay, you're confined to what they want you
to invest, which is to participatein your earnings or not. More often
than not, Yeah, they're gonnado. They're going to take advantage of
that. Sure. So even ifyou do invest, you actually have to
share some of your return with themin addition to the regular expenses. Well,

(01:32:04):
sorry, no, I was misunderstanding. In terms of the costs,
yes, that's where they're participating in. Oh yeah, but no, in
terms of performance, that all belongsto you, whether it's good, there's
risk associated with it, as yousaid, correct, and you're limited to
what you can invest in. Correct. But I believe by law they have
to have a minimum sub account anumber of sub accounts. So is it

(01:32:24):
safe to say the more sub accountsyou have, the better for your investment?
Yes? And no. I meanthat's where you get into the whole
analysis paralysis. What's going to bethe best option? And then yet,
and that's why most people fix justa fixed index three oh three seven to
one three talk go with a surething Denver's best roofer Excel Roofing dot com.

(01:32:46):
You don't pay a cent until you'recontent. Time for an insurance check
up free no obligation comparison call CompassInsurance paying too much your coverage? A
dozen of insurance companies find out nowthree all three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three all three nine two

(01:33:12):
zero sixteen twenty two. Hi TomMartino, your troubleshooter three all three seven
one three talks seven one three eighttwo five five. So we're talking about
finances, and there's something I wantto bring up. United States Automobile Association.

(01:33:32):
Weird name for USAA. It's it'sreally a bank or a credit union.
I don't know what it is.Technically, it's a financial institution and
his services mostly veterans and families,offering insurance, banking, investments, and
retirement. Have you heard Josh ofUSAA. Absolutely? Have you heard of

(01:33:54):
the problems recently? No? Forsome reason, there's been an extraordins amount
of fraudulent activity, Accounts being seized, Pilford withdrawn, people missing money,
and USAA is being very lax inits response. It's being fined by the
government, it's being investigated by thegovernment. There have been account closures without

(01:34:18):
explanation, and there have been many, many, many complaints and many filings
of lawsuits and government intervention USAA.Now, I personally have never had a
dealing with USAA, but people say, you really better watch out if you're

(01:34:42):
going to them. Some people havelost their entire life savings. Why.
I don't know. That's the mainproblem. No one seems to know,
but one spokesperson said, it can'tpossibly be that all of these clients are
trying to cheat them. So USAwas saying, well, you must have
withdrawn the money or you must havedone this and there, and and and

(01:35:06):
attorneys are saying, well, myclient didn't do that. So one listen
to this. One veteran sold abunch of money, a bunch of money
and he uh just me raised abunch of money by selling stuff, and
then he lost thousands of dollars whenhe deposited it, lost thousands of dollars.

(01:35:31):
Also, his retirement account was Pilford. So I'm just warning people to
watch out for U. S AA. Because that is a you know,
that is a very popular option forpeople in the service. And it's
likely, well it's not likely,there's a there's a chance if you do

(01:35:54):
have problems, you're not going toget help. So I don't know if
any of you listening have had aproblem, but I thought I better bring
that up. Three zero three sevenone three talk seven one three eight two
five five. Now, there havebeen a lot of people preaching out one
side of their mouth but doing somethingout of the other. And I always

(01:36:15):
say, watch where people put theirmoney. Now, for example, there
was a day when people would say, you know, buy American, Buy
American, Buy American because it inEmployees, workers and people in unions would
advocate buy American. But when itcame to saving money, they'd go anywhere,

(01:36:36):
or they'd go on Amazon and orderdidn't can matter where it was made.
They just wanted the best price.That's a little hypocritical, but that's
the way it is now buying.I'm not saying you shouldn't buy American or
you should only shop price. Ishop price and quality, reviews and references.

(01:36:58):
You know people I know that havethat they've loved. I do not
shop only price ever or only qualityever, although that's more of a factor
for me than price. But Ilike the balance. And what's really strange,
and what's really important for me iswhen I verify comments, I look

(01:37:21):
at I love looking at reviews andcomments, and I love reviewers who do
videos and really take time to tellabout their experiences, both positive and negative.
But having said all of that,when it comes to climate change and
environmental impact, how many people gogreen? That's the expression, how many

(01:37:45):
people go green? Now what's weirdis I don't know how they get these
stats, but they say a majorityof people who claim to be green.
Do not spend green, they justclaim to be green. And when it
comes to green, the number onedetermining factor is price, and almost always

(01:38:14):
environmentally friendly, recycled and green productsalmost universally are what can you say it
way more expensive now think about that. I don't know why actually they would
be, but they are so.A survey says now that a willingness to

(01:38:36):
adopt these products that are renewable orare sustainable as they like to say,
the willingness shows that a vast majorityof people will not do it. If
it costs more, they will doit sixty nine percent of a man Americans

(01:39:00):
will absolutely seek them out. Butif they are at par and I could
never understand why environmentally friendlier things,as the market pluts it, sustainable things
are more expensive. Does it reallyincrease the cost of manufacturing and handling or

(01:39:21):
is it a way to take advantageof people who are zelot I wonder now?
Or is the entire industry doing thatfor a while, That's what happened
with the solar systems. If theygot a zelot, they're willing to spend
the money. Tax credits are important, yes, but what solar companies were

(01:39:43):
doing they weren't using tax credits tohelp people get into solar systems. Never
in the old days. Now maybenow they do. But in the old
days, tax credits were used asimmediate profit, extra money if they got
a fifteen percent tax credit or thirtypercent tax credit. I was looking at
these solar companies were raising the pricesaccordingly. Back in the day. I

(01:40:08):
did a survey when credits started cominginto vogue, and when tax credits came
into vogue or into style or intoreality. Let's say the solar companies took
the exact same products they had beenselling and factored in the tax credit in
order to charge more. The netcost was the same to consumers, and

(01:40:32):
they simply profited more. The industrykilled itself. Go with a sure thing
Denver's Best Roofer Excelroofing dot com.You don't pay a cent until you're content.

(01:40:53):
Time for an insurance check up free, no obligation. In comparison,
call Compass insurance paying too much yourcoverage? A dozen of insurance companies find
out now three oh three seven sevenone help. You'll think you're his only
customer when you choose Frank durand theReal estate Man dot com. To list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.

(01:41:18):
Hi, Tom Martino, you're atroubleshooter. Three oh three seven one three
Talk seven one three eight two fivefive. Listen. We have another hour
to go. We can talk financeor problems, questions and complaints. I
urge you to give you a callif you have anything, don't let it
wait. Three oh three seven onethree talk three oh three seven one three

(01:41:40):
eight two five five. Here foranother hour with you, and we will
talk a little bit about what's comingup tonight. You know what I'm talking
about. We're not gonna get politicalhere, but we're gonna talk about it.
Go with a sure thing Denvers BestRoofer Excel Roofing dot com. You
don't pay a cent until you're contenthtime for an insurance check up, free,

(01:42:02):
no obligation comparison call Compass Insurance payingtoo much your coverage at dozens of
insurance companies find out now three ohthree seven seven one help. You'll think
you're his only customer when you chooseFrank Durand the real estate Man dot com
to list your home with Remax Alliancethree oh three nine two zero sixteen twenty
two. Yea ripped of new needswho you don't have to run as fast

(01:42:35):
as we can. Shooter's gonna helpcome. Man six is the Troubleshooter Show.
No Tom Martino, Hi Tom Martino, Your Troubleshooter three oh three seven
one three talk seven one three eighttwo five five. Welcome to the only
show of its kind anywhere in theuniverse. This hour brought to you by

(01:42:56):
Denverregen dot com. Denver Regen.If you're looking for stem cell therapy,
they do it. If you're lookingfor weight loss with the compound of semi
glue tide, they do it.Semi glue tide just two hundred and seventy
five bucks a month. That's DenverRegen dot com. Okay, so let's
go to the phones, and Iwant to talk to Mike. Mike's got
a question about siding. Mike,what is your question? Sir? Yeah,

(01:43:23):
Mike, Yeah, I have thatJames Hardy concrete siding. Yes,
and I was wondering when it camefrom the factory stained and I need to
retreat it. But wondering is itbetter to stain or paint again? Well,
it depends on the old stain andhow far how gone it is many

(01:43:45):
times? Okay, you're never goingto get a stain to take like the
original one. How old is this, James Hardy, Usually they hold their
finishes pretty long. How old isit in the twenty years? Okay,
well that's good. That's good toknow. If I were you, i'd
go for a good ceiling paint.However, okay, you can restain it.

(01:44:08):
You can now. Who I wouldcall is star Quality Painting on my
referral list, and Steve the painterhe'll tell you anything you want free of
charge on the phone. Okay.Yeah. The house is in Grand Lake,
so oh yeah, well he canstill advise you, and who knows,
he may go up there. Butif you go to referral liss,

(01:44:28):
I'm trying to figure out his namehere. I'm not his name his number
really quickly. But if I can'tget it, it's called star Quality painting,
and I'm putting it in my list. I'm putting it in the search.
I can give it to him.Oh good, you'll give it to
him, thank you. Yeah,and Steve the painter will give you some
recommendations. But these new ceiling paintsare really good things. They're coatings,
they're they're really good. I mean. Now, on the other hand,

(01:44:51):
you know, I don't know whatit will look like. But to me
in my opinion, James Hardy,did you like this? Did it look
wood to you? Yeah? Dude, I just know whenever I've stayed new
wood, I put it on,but then I have to wipe it with
a rag. Yeah, and Idon't want to do the whole house that.

(01:45:12):
No, But I don't think youcan do that with the car with
the cementuous stuff. Okay. Thecementious stuff, I believe is more of
a uh it absorbs it and youknow, you might have to wipe a
little, but I don't. Idon't think you can redo it as evenly
as the original one. That's theone thing I thought about those products that

(01:45:34):
come stained. It leached out overthe years. Okay, So Bill,
what's going on with you? Hello? Bill's going good? What's happening?
Well? I took to leave acouple of years ago and I bought all
Let a car. Yeah, whatkind did you buy? The Ionic size?

(01:45:56):
Yeah, that's a very good car. I love it. Actually,
I got it in October of twentytwo, and I got it as a
business car. I'm actually a truetaxi driver. Wow, there's still a
few of us around. Wow.I had the car about a year.
Then the car went in the shop. A couple of little things came up,

(01:46:20):
and they tried to fix them.Unfortunately they couldn't clear it. The
frobily came up with an electrical chargingsystem. Light came on. Uh oh,
Now did the dealer itself work onit? The dealer I bought it
from didn't have an electronic mechanic,so I had to take it to a
Hondai dealership, but not the oneI bought the car at. Yeah,

(01:46:43):
that's what I meant. A Hondaidealership looked at it? Or what are
these? What year did you say? It was twenty twenty two, yes,
sir, And what is wrong withit? Right now? What did
you find? Well, they hadthe car in the shop for almost a
year. What and we just gotit back? Yeah, just got it
back. The other day. Theyflew in an engineer and had an engineer

(01:47:08):
actually work on the car. Wellwait, wait, what did you do
while your car was away for ayear? For goodness sakes? Did they
provide you one? Uh? Theyprovided a loaner, which I couldn't use
for my work. So while hiswife got to drive the loaner, she
enjoyed it. She had the KNAand a few other one along the way.
Okay, but for me for work, I had the least uh another

(01:47:30):
taxi from the company. So youwere actually using your own You were using
your own vehicle in a conventional taxicompany, not a ride share right u
Z trip Actually, so it hadto get decked out, tagged everything.
But let me ask me so,oh oh, that's why you couldn't use
the loaner. Correct. Okay,if you're asking if you can get reimbursed

(01:47:56):
for loss of use, the answeris no, even though I had the
incur almost yeah, now wait,WHOA I should I should amend that in
almost every warranty, and I'm positivethere is there's wording about loss of use.
However, the year thing, youmight have them on that on the

(01:48:18):
year thing, because it is alittle weird that it took a year,
So that might be a variable thatwill give you some strength. Have you
asked them to reimburse you? Oh? Actually I asked them about the lemon
law, and it turned out sinceI'm using it was using it as a
company vehicle. They were able toget out of the lemon law because they

(01:48:40):
because of the loaner, because itwas being used as a business. Oh
okay, otherwise you would have hadthe thirty days loss of use, wouldn't
you. Oh yeah, I see, because it was being commercially used.
But what what do they say though, Did they say anything about helping you
out or not? Nope? Andyou bought this brand new, right,

(01:49:06):
brand new twenty miles coming off thelot. Man, I think the problem
you're going to have is the lossof use, and especially now you're telling
me it's commercial. I kind ofyeah. See, they never promised,
they never promised that this was goingto be a taxi. So therefore the

(01:49:26):
the what you call consequential damages asa result of your extraordinary use. You
see, what if you were usingit for something else that was different and
extraordinary. The fact that you hadto mark it up and label it and
all see it's and you couldn't dothat to the loaner. What they're saying

(01:49:48):
is, we sell passenger cars forconsumers. The fact that you converted it
to commercial, we should not beresponsible for that extra cost. And I
think I'd have to agree with it. I do think it sucks that it
was a year. By the way, is it working now? They finally

(01:50:08):
did fix it. They got theengineer in to come and work on it,
and it turned out as a FEUsin the air conditioning system was setting
off the electrical charging system and ittook them a year to figure that out.
Yes, sir oh Man, thatis crazy. So in any case,

(01:50:31):
I really think you have a weakcase here. I'm just being straight
with you because, as I said, it wasn't that you lost use of
your car. You lost use ofa company or of a commercial vehicle,
and they never sold you a commercialvehicle to begin with. That's the problem.
Three oh three seven to one threetalk go with a short thing Denver's

(01:51:00):
Best Roofer Excel Roofing dot com.You don't pay a cent until you're content.
Time for an insurance check up freeno obligation comparison call Compass Insurance paying
too much your coverage at dozens ofinsurance companies find out now three oh three
seven seven to one help. You'llthink you're his only customer when you choose
Frank durand the Real Estate Man dotcom to list your home with Remax Alliance

(01:51:26):
three oh three nine two zero sixteentwenty two. Hi Tom Martino here three
O three seven one three talk sevenone three eight two five five ED.
What's going on with you? Hello? Ed? Hey Tom? Yes,
sir, anyway, I used zerores today like many other times, and

(01:51:48):
I'll tell you what you could.The quality of their their product is great.
But what really stood out to metoday was the technician that showed Ah.
It called me before eight o'clock that'swhen they open. They gave me
a timeline of forty five minutes andit showed up early. That's crazy.

(01:52:15):
That's good. Hey, you know, really and truly, I'm glad you
called totally unsolicited. Isn't it thebest? I mean there's no odors,
no smells, no musty feeling.No, the carpets are near dry when
they're done, and there's nothing atall, nothing to feel. What my
house? My house is closed upnow, it's all dry. Yeah.

(01:52:38):
This guy, this guy, youknow, they hit the home run when
they hired him. Well, that'sgood. I'm glad. What's his name?
His name was, oh geez,Doug. Okay, Well, thank
you for those kind words. Dougat zero res You made a good impression,
and of course the whole team there, they do a great job.

(01:52:58):
Zero Residenver dot COM's got a question. Go ahead, Tom, what's going
on? Oh? I can't ifyou had heard anything about a credit union
out in Lakewood is the only onethat I know. But he's just called
Supers, And though it's spelled thesame, it's not. I don't think
it's affiliated with King Supers. Theydon't say anything about that. But they're
offering a CD interest rate for Ithink seven months. I heard seven percent.

(01:53:24):
What I just wondered, Hey,Josh, have you heard of them
Supers credit Union? Yeah? Huh. They are associated with King Supers and
they are legit. Uh huh.They're through a lot of employees that work
King Supers. That's exclusive to themseven months at seven percent. It's just
only King super employees in my experience. I don't know, by the way,

(01:53:45):
it's maybe open to yeah, others, but yeah, that's you just
call and ask them. I don'tknow if it's open to other people.
But but man, you know,is that is that an extraordinary raid or
is that the going rate right now? Seven percent? There's some there's some
outfits out there that are offering that. It's kind of a teaser rate.
Usually it's for a few months andthen it drops to you know, I'm
getting right now on T bills forcash that I have that I don't want

(01:54:08):
to invest in a long run,for four week to four week tea bills,
I'm getting over six percent. Didyou know that? I don't regard
me or nothing, but yeah,Tom, have you ever done, Tom?
Have you ever considered T bills?There's zero risk. No, I
can't say as I have. Letme explain this to you. I'm not
trying to sell them, and there'sno upside or downside. In fact,

(01:54:31):
you go to Treasury Direct to getthem, so you don't even deal with
anyone but the government. You goto Treasury Direct. And I'm telling you
that I have been making six percentor more every four weeks and and so

(01:54:53):
what that's every month and and it'sit's amazing. You have cash. Right.
You go to Treasury Direct and it'scalled Treasurydirect, I believe dot com.
You open an account, it's runby the government. Then what you
do is you put you deposit moneyfrom a bank account. So however much

(01:55:14):
you were going to put in aCD. You put it there and you
sign up for the first auction forthe first four weeks, then you choose
if you want to reinvest at theend of each four weeks. You can
do that ahead of time. SoI put mine in for five renewals,
so I had a total of sixmonths. But you can cancel the renewal
if you decide not to renew it, but you can renew it every four

(01:55:36):
weeks, or just go four weeksand take the money. And I'm telling
you it can add up in abig way. Now, you don't get
interest on interest once you make likeI believe I had money. I made
twenty five hundred bucks every four weeks. Okay, twenty five hundred bucks a
month with this money in there.And here's the deal. That money,

(01:55:58):
though, doesn't add to your balanceand make twenty five hundred on that you
don't you That money is sent tothe bank account from which you drafted the
money to put in there. Soit's not money on money, but it's
money on principle. Okay, it'snot. It's not compounded. Interesting,
right, but in my opinion,in my opinion, because the amount you're

(01:56:20):
getting from that CD when they tellyou seven percent includes the compounding. That's
why it's seven months soil. Yeah, that's right, that's the yield.
So if you think about a fourweek yield at six percent versus or a
little more versus a seven months,a seven and and and the other one

(01:56:42):
has tax preference treatment. Now witha T bill, you do pay,
you do pay your federal tax,you do not pay state and local taxes.
So there's a big benefit to thoseT bills. Okay, And that's
six percent a year for four weeks, okay, Yeah, but that's extraordinary
amount of money. I mean forfor zero risk, it's an extraordinary amount

(01:57:06):
of money. And I'm actually makinga little more than six percent, Like
I got a little more than twentyfive hundred. I have a big amount
of invested there. But it wasjust sitting in nothing, and I thought,
you know what, this is riskfree? You ought to do it.
Yeah, and again I mean directbut yeah, Treasury Direct, Treasury

(01:57:27):
Direct, And I don't know,Josh, what about it? What do
you know about Have you ever usedTreasury Direct? We haven't, but no,
we know it's a reputable site.It's a government website, which yeah,
maybe not say any Treasurydirect dot govby the way Treasury direct dot gov.
Now here's the difference. And I'mnot shoot, I'm not looking.

(01:57:50):
I'm not putting anyone down because everyonein the financial advisory business, if they
do a great job, deserve thefees. But why would you take a
hunderd grand and put it with anadvisor who takes one percent of it or
one point five percent of it andthen puts you in the treasury that you
can do direct without a fee,so you know, you get to keep

(01:58:14):
your entire return. Now, there'snothing wrong with having all of your money
in with a financial advisor. Ifyou like having a financial advisor, and
they're good people, there's nothing wrongwith that. I mean, they earn
their money, they place your moneyand try to make return. But if
I ever had a financial advisor whosays, Tom, we're going to take

(01:58:34):
some of your money and put itin T bills, I would say,
no, you're not. I'll takethe money and put it in T bills.
There's no reason for you to dothat for me. The same way,
there's no reason for you. Ifmy money's going to sit in cash,
send it to me to sit incash. I don't want it in
your account sitting in cash because you'repaying an advisory fee on assets under management.

(01:58:59):
Okay, Deputy Bo, welcome tothe show. Nice seeing you yesterday.
What do you got going on,Bro, I'm working on this case
got a favorable outcome. It wasAndrew called last Friday. Okay, let
me find it here Andrew. Andit had to do with what case All
Suns the movie company, Oh,my son's movie. I am so happy

(01:59:24):
you told me about that one.That bothered me a lot, because truly
that company doesn't have a bad name, but I didn't like what I heard
about him. And I'm trying tofind the call. But explain what happened
Originally, Yes, Andrew took outa five thousand dollars insurance policy on the

(01:59:45):
move. That long story short.When they delivered a cabinet there was expensive
glass shelves. The shelves got damaged, so he went to a glass company
in Denver and had the shelves made. So I thought he was very reasonable.
He submitted a claim of five hundredand fifty dollars, which was his
costs and replace his grandmother's glass shelvesto All my Son's Movie company, and

(02:00:11):
all they would offer him is onehundred dollars. So I called the local
company, the local branch here,talk to a guy named Thomas, and
he said it's just one hundred dollars. That's where it is. Go with
a sure thing Denver's Best roofer ExcelRoofing dot com. You don't pay a
cent until you're content. Time foran insurance checkup free no obligation comparison call

(02:00:36):
Compass Insurance paying too much your coverageat dozens of insurance companies find out now
three all three seven to seven toone. Help. You'll think you're his
only customer when you choose Frank Durandthe real estate man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.

(02:00:58):
Hi Tom Martine, your troubleshooter threeoh three seven one three talks seven one
three eight two five five. Okay, now I got two people. I
got Donnie. He wants to talkabout an accident. We we might want
to get John on. I'm notsure, but anyway, you have a
question about a car accident. What'sgoing on? Sir? Hey, my
name is Donnie and a longtime listener. Yes, surely it wasn't my daughter

(02:01:19):
was in a car accident, andI'm glad that I used to You referred
me to John Fuller. Yeah,good job. Yeah, he was great,
and we got she got the settlementcoming and she's nineteen years old and
she's took it like you a littlemore. But anyway, she wants to
invest in twenty thousand dollars. ButI was wondering what the best investment.

(02:01:40):
It's gonna probably be short term,you know what I mean. She just
start in her life, all rightfor her, but she don't want to
you just okay for a young person, Okay, they don't want to do
any stock market investing at that age. Okay, I don't mean at that
age. I mean short term uhinvesting will either lose her even if it
made her money, it's not agood it's not a good fit for her

(02:02:02):
right now because of gold kicker intoa tax bracket. What I would recommend
is just what I was talking about, Donnie. If you can get a
good CD or Josh, you canchime in on this bro or a T
bill. Did you hear me.I don't know if you heard me,
But there's the government has a sitecalled Treasurydirect dot gov. And on Treasury

(02:02:24):
you heard of that. Okay,here, let me explain to you real
quick, and then Josh can chimein on other ideas you might have.
But how much is she going toget approximately, Let's say what you'd like
to invest twenty thousand, Okay.So if she gets twenty grand and it's
in a bang, she goes toTreasurydirect dot gov. That will she can
open up an account. She's eighteen, She opens up an account, a

(02:02:47):
username and a log in. Thisis a government site. Then she can
ach twenty grand into her account.And then what she does what she can
do is buy any number of governmentsecurities. Now it may seem a little
overwhelming, but it's not. Andso one of the easiest ones are called

(02:03:11):
four week tea bills. That meansyou buy t bills on day one of
the auction at a discount, likeI was buying them at around ninety three
ninety four dollars, and then theyredeem at one hundred and that might be
a thousand. What I'm saying isthis, you buy them at a discount
that's locked in, and then uponmaturity in four weeks, she gets paid

(02:03:35):
the entire par value. So she'smaking the spread. The spread for me
has been over six to six anda half percent. However, Doc told
me the discounts are a little lessright now, so you might be getting
around four and a half percent.But the point is it's risk free,

(02:03:57):
and it's more than any CD orany bank product will pay, and you
can invest. I just looked onehundred dollars one hundred dollars increments, so
she'll and and her her investment islocked in on the day of the auction.
So whatever the auction is, shedoesn't make. All she does is
put it there. It's automatic.She tells them what she wants to buy.

(02:04:19):
So she buys twenty thousand worth,it'll go in there and buy that
many increments at a discount. Themoney for the discount upon maturity is wired
or AHD to the account she justopened, you know, does so it's
a really good so she'll find extramoney in her account automatically. Now she

(02:04:44):
can keep that twenty there and reinvestit every four weeks. Yeah, I
was thinking CD first of all,but I wanted to hear what other options.
Okay, yeah, there's nothing wrongwith a CD, but I'm telling
you that this government one is better. It's government, there's no fee whatsoever,
and the money is directly AHD intoher account that she makes. So

(02:05:11):
that's what I would do it becauseof the zero risk and modest return.
Oh Josh, what are you thinking. That's kind of where I was going
to go. Tom. You don'twant to put short term money at risk
if you're gonna need it at somepoint here in the near future. Especially
with these four week timeframes on alot of these treasury bills, it makes
a lot of sense. There's alot of protection backing all that fun stuff,

(02:05:31):
and you know exactly what your moneyis going to do. That's the
long and the short of it.CDs, you lose a lot of flexibility
there typically for a longer period oftime then you know, these four week
treasury bills like Tom's referring to.So, yeah, that's a great,
great option, Absolutely awesome. Allright, that's why I usually call Tom
first. I am really happy thatshe's considering investing at such a young age.

(02:05:57):
It'll get her used to it.Yeah, Well, just let us
know if we need If you needanything else, three oh three seven,
one, three eight, two fivefive, go with a sure thing.
Denvers best Roofer excel roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkup free, no obligation. Comparison call

(02:06:17):
Compass Insurance paying too much your coverageat dozens of insurance companies find out now
three all three seven seven one help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three all three nine twozero sixteen twenty two. Hi Tom Martine,

(02:06:44):
here you know rpcenter dot com isthe website for these guys. Rpcenter
dot com nine seven zero six sixthree thirty two eleven. And I personally
am a client, want to wantto make that disclosure, and they are
a sponsor, and we crisscrossed thatway. Joe, what's going on?
Joe? Hey Tom? I justhave a question about potentially hiring an attorney.

(02:07:11):
I was hired by this attorney outof state or law firm out of
state to do what witness to bean expert witness on a medical case,
Okay, And we agreed on anhourly rate and I sent them at W
nine signed and the case was settledand I'm five point sixteen. I sent
them an invoice. I still havenot received payments. And what did you

(02:07:32):
do on an hourly rate? Whatdid you do, like if there was
no trial or hearing, did youdo a deposition? Didn't have to do
a deposition. I studied other people'sdepositions and commented on that. And did
they ask you to do that orwas that in prep? No, they
asked me to do that as partof prep. Okay, I was going

(02:07:55):
to be deposed, but the casewas settled. No, I got you.
Are you a doctor? No?What is your expertise? Uh?
Involves medical equipment. Okay, nowlisten, here's the deal. You see.
I would say a lot depends onyour contract, but you didn't have
one. You had a verbal contract. Because they're going to say, well,

(02:08:18):
he didn't do anything because he wasprepping and that's part of his deal.
Now are they saying that to bein with They are not. They're
saying, we submitted your invoice.Oh, that's good. That's better submitted
it, not have that an email. No, No, that's better that
they say that, because if theywanted to make all that other dispute,

(02:08:39):
that's a lot to ferret through.But all they're saying is we submitted it.
Okay, So the question is didyou put a lien on the suit?
No, I haven't done anything.I was just trying to figure out,
well, you should have done thatbefore the settlement. You can put
you can actually file a lien onproceedings in order to be paid. Attorneys

(02:09:01):
often do that with divorces and stuff. Can he just call the uh,
the bar in the state that they'revery strict about that in Colorado. Just
call the bar so it's called themfeed dispute state. Yeah, the fee
dispute committee. He's apt doc isabsolutely right. What state is it?
It's Georgia, doesn't matter. I'msure that just as strict. Well some

(02:09:24):
of them are and some of themaren't. Okay, but you're you're right.
Georgia would be one that would bepretty strict. And the months too
long to waiter? Should I waittwo months or okay? You invoiced when
May sixteenth, May June July?I would say sixty days. I was
going to sixty days is reasonable?Yeah, I would contact the bar just

(02:09:50):
like on the fifty eighth or fiftyninth day, whatever. I would absolutely
I would let them know you're goingto the bar association as well. Let
them know, say, as toprotect myself, I'm filing a complaint with
the bar association. Now there mightbe two bars. Sometimes the city or
municipality has a bar and then thestate. And is it too late to

(02:10:11):
file a lien? I don't knowabout that. Actually, I was gonna
say, I'm not sure about it. If it was all settled and paid
out it is. Do you knowwhat stage of settlement it's in. I
don't. You may have to usea lawyer in Georgia to do that,
and it's going to eat up someof it. How much do you have

(02:10:33):
coming a little more than five thousand? It might be worth trying looking into
filing a lien on the proceeds.You know, it truly is a claim
and you can do it. YouI don't know how to turney what I
hire in Georgia? Ooh, that'sa good question. That's a good question.
I'm not entirely sure. A generallitigator or a collector bill collector,

(02:10:58):
possibly that a collection attorney might bethe one. And you have to do
it before it's settled out. Okay, do you know when they signed it?
When did they sign the settlement probablyaround the first or second week of
May, because you know how muchthe settlement was. That'll tell me how

(02:11:20):
much was the settlement. I don'tknow, Like, if it's millions of
dollars, it's going to be awhile. If it's even if it's five
hundred thousand or more, if it'sten fifteen to twenty twenty, although I
will say it had to have beenmore to have an attorney involved in pay
you and all that. So,but when you submitted it, did you
submit it to the law firm thathired you? Yes? Good. What's

(02:11:43):
the name of the law firm?All this Smith? What is it all?
Booth? Smith? Okay, jeez, all right. One of the
attorneys said the case emailed me andsaid the case was settled and ask me
to submit my which I did.Okay, you got that email to you,

(02:12:03):
so you got a lot of gooddocumentation. I'm curious about something.
How did they where are you located? I'm in Denver? How'd they get
a hold of you? Threw adoctor that I work with? What kind
of equipment do I work with?In general? What kind of equipment rehabilitation
equipment? And are they saying arethey saying it injured somebody that's part of

(02:12:28):
it. Yes, okay, wellthanks lot man, I appreciate it.
Okay, So Josh, can peoplemeet with you by zoom, by phone,
in person? How do you doit? All of the above,
Tom, whatever's convenient for you willmake it work. We'll make it comfortable
and start out. Go to thewebsite rpcenter dot com or nine seven zero

(02:12:52):
six six three thirty to eleven.Hey, folks, don't forget three oh
three Martino. Save all your problemsfor me