The Troubleshooter 7-24-24

Episode Transcript

(00:00):
Yeah, ripped up need advice,So you don't help, We'll come run
in just as fast as we can. Show the Shooter's gonna help coming.
Man Dix is the Troubleshooter Show.No, Tom Martino, Hi, Tom

(00:25):
Martino here, Welcome to the show. We are here to solve problems.
That's really if you had to giveour show a purpose, media with a
purpose, I call it, it'ssolving problems. That's what we try to
do each and every day. Sowelcome to the show. The only show
anywhere that does it, recovering hundredsof millions of dollars over the years in

(00:46):
cash, merchandise, exchanges, refunds, and services. Now, sometimes we're
popular, sometimes we're not. Itreally depends on what side of the fence
you're on. If you want toknow about the good people, it's referral
list dot Com that's in ant show, and the commercials here on the show,
most of them are members of thereferral List. Of course all of
our endorsements. And then Sleeze Brigadeis about just the opposite of Referral List.

(01:11):
Slee's Brigade is the worst of theworst of the worst. And then,
of course, on different forms ofsocial media. I try to publish
posts and videos on stuff and welcomeby the way online people and people who
stream, people who download. Ifyou're downloaded this show or this podcast,
you want to get help, It'sthree oh three Martino, twenty four to

(01:34):
seven. Let's go to the phones. What do you say? Catherine's got
an apartment issue. So Catherine,what's happening? You start things off today?
What's going on? Catherine? ByTom Bye. Yeah, it's a
lot to unpack, but basically,we discovered old behind our couch and our

(01:55):
apartment. Our water heater was leakingfor who knows how, and we were
forced to live in a hotel withme, my husband, our dog,
and my six month old baby.And we were also then forced to leave
our lease and spend ten fifteen thousanddollars to move into a new home and

(02:19):
pay for the hotel out of pocket, pay for food out of pocket,
moving costs out of pocket. Andwe've had absolutely no answers from the apartment
complex, from their corporate office ortheir insurance. That was a good summary
there, Catherine. So let meask you a few questions. Okay,
these are important questions. True,were you in the middle of a lease,

(02:44):
yes, and what kind of lease? Like a year long lease?
We had just finned out. Howmuch time did you have left on your
lease? Like six months? Still? Six seven months? Okay? Now,
okay, you were in a oneyear lease with about eight months left

(03:06):
and when you left? What howdid you do it? Exactly? How
did you do it? And Iwant people listening, people listening to know
there's a proper way to do this. I want to know. Let's go
back. Even, how do youknow the mold was the dangerous toxic mold?

(03:28):
Yeah, that's a great question.Actually, so we just happened to
move the couch off the wall andsee that there was just this right black
mold growing right. And to me, this has happened before when I was
younger and in our apartment, soI know what mold looks like. Yeah,
but not all mold. Not moldis not great, But not all

(03:51):
mold is that toxic or dangerous,and sometimes it can be easily mitigated.
So this is important. Yeah,so how did you know it was dangerous?
We don't know. Actually, therewas no environmental testing done. They
told us that legally they were notrequired to do any kind of testing.

(04:14):
That's right, Catherine, that's kindof true. Here's the situation. If
you discover and anyone listening, ifyou discover in a rental mold, you
can't assume it's deadly and break alease without consequences. Now, I will
tell you the laws are a lotdifferent now, and they favor tenants in

(04:40):
Colorado with our more progressive and liberalgovernment. And I'm not saying this as
a political statement. It's a fact. We have laws now that cater to
tenants. So there are a lotof the courts are pretty lenient on tenants.

(05:00):
You still have to have some kindof reason for breaking a contract.
But I need to know first,how long ago did you leave the apartment?
We left Friday June July nineteenth,okay, July nineteenth. Now when
you left, did you first sayand do it through what's called a constructive

(05:25):
eviction? In short, here's whatyou have to do. You have to
write to the landlord saying we havea situation. It's dangerous, here's why
it needs to be fixed with areasonable amount of time. And then if
it's not fixed, you're supposed towithhold rent and use that money to fix
it. And if you don't dothat, then you leave, and if
you leave, it's a constructive eviction. However, if any of those assertations

(05:46):
you made are incorrect, if themold is not dangerous, if it's not
in the air, because you don'tknow any of this, you didn't have
any testing done. It was actuallyyour burden to prove that the landlord was
violating your lease by by a dangerouscondition. So I think, I fear.
I fear you did. You didit the wrong way, but that

(06:08):
may not have consequences. As Isaid, in today's climate, a lot
of landlords are not going after peopleand letting them go. So are you
in trouble right now? Yeah?What's happening? We well, in other
words, is the landlord coming afteryou? H No, they're not coming

(06:33):
after us. But we okay,you know, been forced to. Now,
if you're thinking you're going to collectexpenses, it's gonna be really,
really difficult because you have zero evidencethat. Now, now you understand,
Catherine, I am not saying youdid the wrong thing. I am telling

(06:54):
you the facts of life. Youhave zero evidence that the mold was dangerous.
You have zero evidence mold spores werein the air. You have zero
evidence you had to move and thatyou couldn't have just had someone come in
and clean it. I mean allof this now, was the water heater

(07:15):
continuing to leak after you discovered themold or was it a condition that happened
previously? So I had discovered thatit was leaking and then did the leak
get fixed? Did the leak getfixed? Yes? But the mold was
still there? Yes? Did youknow that if a water leak is stopped

(07:39):
and there is mold, it canbe treated one or two times and be
eradicated as long as the food sourcewater is stopped. Did you know that
could happen that that? That's howsimple it was. No. I mean,
I guess they just plain that tous they before. Who's who's they?

(08:03):
Who's they Catherine? Who didn't explainit to you? I guess it's
a manager of the leasing office.She just you are. But you assumed,
you assumed it was dangerous for youand your husband and your six month
old baby and your dog, right, I mean yeah, when you're having
health issues that are not explained,what kind of health issues? What kind

(08:24):
of health My husband's been suffering fromrespiratory issues, especially like upper respiratory issues.
But online, lots of antibiotics,and did a doctor tell him it
was mold related. No, Butonce we did tell them that we found
mold in our apartment, she saidthat that could be the cause because it
well, of course it could be, and so could any number of things.

(08:48):
Again, I'm not trying to belittleyou. I'm saying it sounds Catherine
like, Okay, if I werehow much did you incurrent expenses total adam
up? How much rough to moveand all of that? Yeah? Well
yeah, Now that's funny because youreally don't get to just do everything,

(09:11):
but extra expenses as a result ofthe mold. Normal moving expenses are not
extra, but like hotels, extrathings like that. If you had to
just put a price on your expensesor what you will call your calling your
damages, how much is it?It was like thirteen fifteen dollars. That's

(09:33):
really really low. That's really low. Here have you asked them for it?
Yeah? Then we told them,you know, we need to the
hotel, the food and all that, and they're like, yeah, our
insurance will reach out to you,and we just haven't heard anything. Here's
the thing again, I don't thinkyou have a strong case, but but

(09:54):
I don't know if the landlord knowsyou have a strong case. I mean,
the landlord was supposed to be givenan opportunity to fix it, or
you could have fixed it. It'scalled mitigating your loss and then taking it
off the rent. I wish youwould have called us when this was happening,
but right now it's too late.You're out. Are you in a
new place right now? Yeah?Excellent? Excellent? So they can't hurt

(10:16):
your credit or hurt your chances ofgetting another place. You're already in another
place, right, Okay, Sothat's good. Now what you do,
there's two things. We will havesomeone contact the landlord to see if they
take responsibility for this. If theyask for evidence, we're going to have

(10:37):
a problem. Right. You haveno evidence it was dangerous, You have
no evidence your health was involved becauseof it. You have no direct evidence
of anything. You don't even knowif the mold spores were in the air.
So we can just hope that ifwe call, they might settle and
pay you something. You're lucky they'renot coming after you for the balance of
the lease. So another thing youcan do, though, if you feel

(11:01):
strongly about your case, even thoughyou have no evidence, And I don't
know how far you can bs themwithout them calling your card and saying show
your cards. But you could goto small claims court. I wouldn't go
for fifteen hundred. I would addup more. I would try to make
it at least two grand or more. Go to small claims court and sue

(11:22):
them for damages and tell them itwas the result of black mold that they
did not attend to. Do youhave pictures of this mold? Yes?
Okay, why don't you do asmall claims court? Yeah? And I
have one question though, go ahead. This happened on a Saturday, right,

(11:46):
so you know not the manager doesn'twork on the weekend. She wasn't
there. She called the maintenance manager. Which you didn't move out immediately?
Did you the next day? Didyou know? We had to just go
to a hotel. So, butwhat made you think you had to go
to a hotel that day? Itjust scared my husband and he just thought

(12:07):
we needed to leave and go andso that they can come in and figure
it right, and people get reallypeople get really bent out of shape over
molds. Yeah, yeah, okay, so that's why. So anyway,
it happened on a Saturday. Continuewith your question. So it happened on
a Saturday. Then the manager doesn'twork. The remediation companies don't work on
the weekends. We had no answersover the weekend, and so the maintenance

(12:30):
man came in and wiped He saidthat he wiped it off the wall and
then sprayed it with the bleach sprayor something without us knowing. So we
couldn't really even get testing done ifwe wanted to, because they already kind
of came in. Well, no, it would have been good to get
testing done. You could have seenif they killed it. You could have
seen that they killed it or not. It could. What I'm saying is

(12:54):
I think you jumped the gun,But I want you to hold on because
I'm going to have one of ourdeputies call the landlord to see if they
will do something for you. Let'sjust see if they'll do something for you.
I mean, and then you mightwant to consider small claims court.
But I'm telling you personally, Ithink you're going to lose. I'd not
lose, like I don't think they'regoing to pay you. What I mean,

(13:18):
I just don't think you're going toget the money. I think the
whole thing was done in haste andI have to take a break, but
it's it's coincidental. On our break, I have someone, Mark Shamansky,
who actually is in the mold detectionand remediation business, and when we come
back after the break, what I'dlike to do is ask Mark his opinion

(13:41):
on this. Because it was aone time thing, a water heater leak.
They killed it, they treated it. What could have been done to
at least see if it was ifit was effective. And I think he's
going to tell you it was away over reaction, but we'll see.
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(14:01):
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(14:24):
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(14:46):
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(15:11):
about this new sighting. Yeah,Tom, this new signing just hit the
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(15:31):
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(15:56):
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(16:17):
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it's they call it a composite siding. So what actually it Is it like

(16:41):
a vinyl or is it like aplastic or is it a metal? What
is it? Oh, you touchit and it feels it feels like vinyl.
I mean if you touch it.Fiberglass, you know, they call
it fiberglass. They call it aglass reinforced. Is it is it more
rigid? It's yeah, because ithas that insulation behind it. Too,
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(17:03):
is a big deal with vinyl siding. That's why you have the problems with
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(17:25):
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nine seven forty five hundred five nineseven four five zero zero. Hi Tom
Martine, your troubleshooter. Three ohthree seven one three talks seven one three
eight two five five. So anyway, let's go to So Catherine said that

(19:18):
there was mold in her apartment.Mark Schumansky, I want to ask real
quick from Genesis, he does molddetection and mitigation. If she had a
leaky water heater and then discovered itand they stopped the leak, and then
she noticed behind the couch there wasblack mold. And the apartment house said

(19:41):
they cleaned it and sprayed it withsome clarox or whatever they said they cleaned
it with, Mark, am Ito believe that no matter what kind of
mold it is, if you stopthe source, and if it's not you
know, all over the apartment orinside the walls, you can just treat
it and get rid of it,right. I mean, it's not like

(20:02):
impossible to get rid of That's correct, Tom, I mean you can.
You got You should clean it upproperly. You shouldn't be spraying it with
a chlorox or light solt. Yeah, you know, I think I heard
earlier in some kind of bleach.You know, basically you should, you
know, use bleach water at leastwipe it down. Never use a spray
because then you're spreading the spores whenyou do that. But yes, it

(20:25):
can be cleaned and and treat it, yes, I mean the best way
is to kill it and then nextencapsulate it and you know, just so
it doesn't come back or that stopsthat food source from there. But yeah,
you stop the water and that stopsthe mold from growing for sure.
Now, and if you see blackmold, it doesn't automatically mean that it's

(20:52):
in your uh, in your aireither does it the spores well, I
mean if yeah, when once itturns fuzzy is when it starts to spread.
And of course you don't want toget that close to cel it's this
fuzzy, fuzzy mold. But that'swhen the scores start to populate and go
into the air. And the bestthing to do is to do an air

(21:14):
test is where you there's a controlsample outside the building and you do a
sample inside the building. And youknow, that's a relatively and expensive test
to do to see if it isdangerous, because there's eight hundred different types
of black mold, and they're notall toxic or dangerous. I mean,
although some correct can have sensitivities tothem. They may not kill them,

(21:37):
but they could. Even if it'snot toxic, you could still have a
sensitivity to it. Correct. Yeah, some people do, like it's never
bothered me, but some people,yes, right there. You know,
some guy claims that he walks intoa house, he knows there's mold in
the house, even before he's evenseen it. I know, I know.
I mean that's a sensitivity. Now, here's the deal again. You

(22:00):
know, it's it's a matter ofwhat can be done in other words,
and it's not. Here's here's whatI'm getting at Mark. In the past.
It's almost as if, for God'ssakes, people want the house torn
down. I mean, I thinkthey over exaggerate the extent at which people

(22:22):
have to go through to clean it. I do believe it's a little exaggerated.
I'm not saying it shouldn't be doneproperly, but I think it's a
little exaggerated. I mean, thesepeople saw it and left that night,
left that day. I mean theydidn't stay in another day, they went
to a hotel and moved out.Right, Yeah, I mean I agree

(22:42):
with you. It is overblown.Along with asbestos and lead paint. I
mean all these things. Are theydangerous? Yes. Do you need to
take care of it properly, yes, But you're not gonna just typically.
You're not gonna just die because yousaw it right right right, I get
it. I get it. Itwould have been even if even if you're
renting to play, to spend lessthan five hundred bucks to have a couple
of air samples test done, thenyou have the documentation behind you to say,

(23:07):
oh, this is the reason I'mmoving out because look I do have
hold in my building, or youfind out you don't. Thank you Mark
Mark Swanski, as I said,he's with Genesis Total Exteriors, And in
addition to doing his you know,in his regular work on the exterior home
and all of your storm damage andall of that and siding and windows and

(23:29):
stuccoing all that, he also doesof course mold detection and mitigation and eradication.
And that's good to know. Andnow we have April who's calling about
a landlord issue as well. April, what's going on with you? April
April. Hello, Hi, I'mcalling to see if I can get any

(23:51):
help with my twenty three year olddaughter. Okay, what's going on with
her? Okay? So she hassound a leaf for Uh. It's an
actually a house in Colorado Springs.She moved from Pueblo to get a job
up there. Yeah, and afterthe second week they started to well,

(24:14):
her landlord lives in Texas, buther landlord's fiance lives there as well.
There's three When did she sign thelease on June the fourth? Okay,
so go ahead, go ahead.Continue. So within two to three weeks
they asked her to leave within thirtydays. That they why mail her?

(24:40):
Well, they say that she livesleaves dishes in the sink. Wait a
minute, Wait a minute, Waita minute, wait a minute, she
leaves dishes in the sink. Thisis a single family home she's renting,
correct, And how do they knowshe leaves dishes in the sink? They're
taking pictures of it? What arethey coming into her home? No,

(25:03):
No, there's three other roommates.They share the kitchen. Oh wait a
minute, So this home is rentedto three separate people that don't know each
other four all together. Okay?Oh, okay, So she actually signed
a lease for a home with fourunrelated people, I mean four people that

(25:26):
are not on the lease together.They all are kind of renting a room
separately. Yes, correct, theyall have their separate lease. Okay,
I get it. So the otherthree or some of them must have complained
to her, I mean to thelandlord. Well, her fiance lives there.

(25:47):
He's one of the roommates. Isthe fiance complaining about her too?
Correct? Wait a minute, herown fiance wants her out? Yes,
that's the problem. What okay,wait a minute, does the fiance know
the landlord. It's the landlord's fiancethat's living there. Wait, my daughter

(26:12):
lives there alone. She's pregnant.Okay, hold on, I gotta get
your daughter lives there with three otherroommates. Is that right, right?
And the landlord is her fiance.No, the landlord fiance lives in one

(26:32):
of the rooms. Oh I'm sorry. Okay, okay, So the landlord's
girlfriend or whatever fiance lives in oneof the rooms. Your daughter lives in
one of the rooms, and thentwo other people live there. Correct?
Okay, Now, what does theleast say about this, it's possible that

(26:53):
it has some terms and conditions thatshe's not living up to. And are
the other tenants also wanting her outof there? In other words, are
they ganging up on her? Theyare, Oh, okay, hold on,
this is weird. Hold on andwe'll talk about this coming up.
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(28:00):
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The number is three oh three,eight hundred and thirty four nineteen yep.
Okay, Now what about this season? What I mean is the days
are longer, a lot of peoplego out after work. A lot of
people make the mistake of drinking onetoo many, sometimes a lot too many.

(28:22):
Sometimes they don't drink that much,but they miscalculate. Here's the deal.
If you're smoking weed, if you'redrinking, if you're partying and then
you're driving, you got problems.Now, sometimes I'll ADMSS. Sometimes you
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(29:08):
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Then under the work's twenty four toseven for your help. Now, April's
daughter is uh isn't a place twentythree years old with other roommates. And

(29:30):
this is a weird situation because sherents the room in a house along with
three others. But if the threeothers are saying she's sloppy and doesn't do
her dishes, and there might bemore that we're not hearing about, I'm
not sure what the lease says aboutthat. So they're asking her to move.

(29:51):
Did they cite any terms of thelease April about saying your daughter?
No, shay, They have notat all. The first time they asked
her to do her dishes, andwhen she didn't respond right away, the
landlord wanted to contact me. Andshe lives in Texas, and she told

(30:15):
me, wait, you talked tothe landlord, She asked for me.
Yes, she got me involved.Who did the landlord? I'm not on
the leaf. I'm not on theleaf. But your daughter asked you to
talk to the landlord. No.No, the landlord asked to talk to
me. Why I don't know,I asked her, why or you want

(30:37):
to talk to me? I haveeverything writing. You have an adult dogter
so why it's weird landlord would say, I want to talk to your mom.
Yeah, exactly, Well, shetold me I have it in the
text that she did tell me that, in fact, that she knew my
daughter was home because her fiance heardher in the kitchen, and that my

(30:57):
daughter was not being an adult bynot answering her anyway. Where are we
going with this? What did thelandlord say? Well, she said that
Destiny should put in her thirty daynotice, and Destiny said, I can't
do that. I don't have aplace to go. You're going to,
you know, have to tell mewhat I did to break the lease.

(31:17):
Yes, of course, and gothrough the court. And so she actually
came in from Texas. And youhave to understand that my daughter is socially
awkward and pregnant, and she toldmy daughter that her lawyer was going to
have some form to make my daughterleave by the fifteenth of August, and

(31:41):
she hasn't. We're listen, shecan proceed with an eviction. But she
has to have a reason, alegal reason, right she does, she's
not fating a legal reason, andshe refuses to go to the court.
So when no one was around,she came in because her fiancee live there,
and told my daughter that she hasto sign this form that her lawyer

(32:05):
is going to type up, sayingthat she has to leave by the fifteen.
Well, she well did your daughter. Your daughter didn't get pressured into
signing it, did she? Itold her not to sign it. We
need to get Brad O'Brien on justI'm going to see if he can come
on and talk about this. Sohang on all right, Yeah, see

(32:28):
if he can come on Ka China, and then we'll, uh, we'll
work on that because I want toask him some general questions on it.
Carl, What question do you haveabout coins? Carl? I just thank
yeah, I've got some old coinsand I just want to find a place

(32:49):
that will evaluate them. Rocky Mountaincoin, Klaus, Okay, one guy,
now listen, I have no affiliationwith him. I've known him for
years. But also I would useMark and Mark Machowski is that budget a
one transmission and auto repair now Markis also a coin dealer and silver and

(33:14):
gold. He's really smart and Ithink you can trust him as well.
And I mean I don't think what'sthat, sir. I think I remember
him when you yeah, from carday. Now I want to say something.
When I said I think you can, I mean I know you can
trust him. I didn't mean tosound qualified, but anyway, he's pretty

(33:37):
damn good. Now we also havesomeone else here in Colorado Springs called Hollandbeck
and it's coin It's called the coingallery. And I think they do that.
Yeah, they buy and sell andtrade collectible coins. They're in Colorado

(33:59):
Springs. It's called Holland Beck CoinGallery. I think that number down there
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there's but as I said, budgetA one transmission and auto repair. I

(34:20):
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(37:44):
Tom Martine out here at three Othree seven on three talks seven on
three A two five five. BradO'Brien is on. He's a real estate
attorney and our expert on the showfor real Estate Matters, and Brad,
we don't have access to the exactlease. But but but it sounds like
they probably don't have the grounds theyneed because they're asking her to sign something.

(38:06):
Let me, let me just layit out. This one girl is
renting a room with three other roommates. Each of them have their own lease
for this house April. Each ofthem have their own lease. They each
have a room and what do theyhave? Kitchen privileges and living uh area

(38:30):
and a backyard, a backyard commonliving area and they each have a room
and they share a bathroom. Now, your daughter was in there for just
three weeks and then they asked herto leave. But they're asking her to
sign something. We're running out oftime, Brad. Can they just evict
if they like voter out not wanther? No pick? So it's a

(38:57):
matter of lease. I'm sure you'regonna tell us. Do you have a
be in the least April, Brad, if you can hang on or we'll
call you right back. I'd liketo discuss this about roommates. Hold on,
yeah, ripped off news. Youneed that so you don't have come

(39:21):
running, just as as the canshooter's gonna help coming. This is the
Troubleshooter Show. No Tom Martino,Hello Tom Martino here, listen what the
heck is going on in your lifeand what you need to do. I've

(39:42):
noticed a trend, sometimes not notnecessarily today, but the trend is many
times people wait too long to call, or they go about something the wrong
way, and we're able to helpthem. We're able to help them if
they had called sooner. Sometimes it'stoo late, like the people who move

(40:04):
down to their apartment because they sawmold, and Brad O'Brien, I wanted
to talk to you about that,and I wanted to talk to you about
this new dispute with the landlord andjust get some general advice. Brad O'Brien
is olslaw dot com. They doreal estate law of all kinds, of
course, not just renting stuff,but they do like reviewing documents and border

(40:28):
disputes and eminent domain or easeman's.They do other things too, like you're
buying a home with people, you'redoing a partnership and it's not your spouse,
or you're doing owner financing. Anykind of real estate transaction they can
help with. And I'll give youhis number in a minute. But Brad,
here's the deal on this one.I just want to go back to

(40:50):
this one. This woman saw blackmold behind the couch. She and her
husband, they have a six monthold baby, and they just left.
They went to a hotel. Theyleft, They went to a hotel and
the mold came from a water heaterleak that had been fixed. So the
leak was fixed, and then theyleft and never went back to the place

(41:12):
except to pack up their stuff andleave. And I said, I don't
think you did that properly as faras the constructive eviction. You didn't give
the landlord a chance to fix it. You didn't have any proof it was
in the air or it was evendangerous. Do you agree with that,
Brad, when it comes to thatkind of thing, or do you say
the laws maybe might be more lenient? Now? What do you think?

(41:32):
Yeah? I kind of really itdoes need to give a landload notice a
defective condition that makes it not happitableand paid for the trail, and give
the land plan of opportunity to tofix it or not fix it before before
actually just leaving. It sounds likethey didn't take the right steps and so
they're probably still they didn't. Theydidn't validly terminate the lease, and they're

(41:54):
still on the hook for the lease. That's what it sounds like. Now
let's go to April. Her daughtermoved in with four other people. Three
other people. Now, April,did you you didn't see the lease?
Right? But apparently they did.They did not quote a violation of the
lease when they asked your daughter toleave. There's four roommates. They each

(42:16):
have their own deal, so they'rerenting out a room and common area.
When a landlord does this, theyhave a lease and then they want to
get rid of somebody, they haveto say, here's why. So when
the landlord said we want you tomove, and they said, well by
the end of the month, whatdid they tell her? Okay, so

(42:38):
they said birthday said that stop doingother people's dishes, and so she did
stop doing other people's dishes. Ye, so there was nothing. There was
nothing. So when I talked toher, I said, what did she
break on the lease? And shehad no answer for that, and so
I said, I'll see you incourt. And then I had to block

(42:59):
her because I'm on my mama there. I mean, I was getting way
too into it, so I hadto actually block. But can they give
your daughter written notice you have toleave? No, they have not.
They said they were going to emailher at thirty day notice. She said,
take me to court. I didn'tbreak the lease. Tell me how

(43:21):
I broke the lease. Then Aliciacame in from Texas, and I don't
know what she said to my daughter, who is very she gets intimidated very
easily. And they said, well, we're going to write this up and
you need to be out by thefifteenth. And also you need to pay
half the rent for half the month. Well, okay, they said she

(43:45):
had to be out by what Augustfifteenth? Yeah, and she ast us
to pay. Was this a yearlease? Yes? For a room?
Yes? Well well technically if shewas a vig did she would have to
pay up to the point of eviction. I mean, if they did it
properly. But I mean, that'snot unusual. You don't just get to

(44:07):
stay there free because they're evicting you. But at the same time, though,
they never said, were we wantyou to leave because of this or
this or this or did they didthey give a reason? They did not
give any specific reason of anything thatshe valiated on the lease. Okay,

(44:29):
they just don't like her, andthey just don't like her, and she's
socially awkward. She say, whatdoes that mean? You said that twice?
What does this mean? Socially offen? What I'm saying is that she's
not real life sociable, So shedoesn't sit in the common area with that
that type of thing as to wherethey haven't really got to know her.

(44:52):
You know, she basically stays inher room and she's I don't know,
she gets intimidated very easily. Noware they making Are they making it rough
there? Now that they want herto leave, they're making it rough?
And I'm worried about her pregnancy.How are they making it? How are
they making it rough? They're throwninto book cameras in the kitchen and I

(45:15):
guess to watch her cook. They'recomplaining that she cooks. Everything that they
complain about is. I don't seehow it could possibly be in the least
maybe it is. Well, giveme an idea of what they're complaining about.
Does she cookin fo uh? Onetime? It was? One time?
Was the food? One time?Was she put the trash in the

(45:37):
recycling bin by accident because the onetold her there is a recycling bin there
and she didn't recognize the symbol.And then they don't like me. They
told her they wanted her out becausethey're not comfortable because they don't like me.
Well, why didn't you visit her? I didn't. They don't want

(46:00):
like me because of the conversation Ihave with the landlord when she's got in
touch. Okay, Brad, thisall sounds like nonsense. But if they
want to get first of all,don't I don't know about this roommate situation.
Is it the same as any tendency, it's it's all dictated by the
least right. Well, is itis it the ms who wants to a

(46:21):
victor or the landlord, the ownerof the place, just the owner and
her fiance. Now, by theway, Brad, just so you know,
the owner is the landlord and thefiance is one of the tenants along
with her daughter. So there's fourtenants and one of them just happens to
be the fiance of the landlord.Okay, so a co tenant doesn't have

(46:43):
a right to evict a fellow cotenant. But it sounds here like the
landlord instead as the least violation.Well, a landlord can evict for a
material the lease violation, but nothinghere sounds material. Doing dishes, putting
the trash in cycling Again, that'snot material in my opinion. So you
can't dedict somebody unless you go tocourt and get a court order possession.

(47:05):
She's got to convince a judge thatthere has been a material violation of the
lease. I don't think they couldconvince the judge in this circumstance. Yeah,
especially if she keeps paying. ButApril she was she planning to stay
there through the birth of her daughter. She was now, does your daughter
work? She got it, sheworked at Wendy's uh in Colie Springs.

(47:30):
But when she signed that leaf,she didn't have a job, and they
knew that. I mean, Idon't. I'm not asking about that.
I'm saying, what's your daughter?Is your daughter going to be able to
have a baby there? I'm notin that she's walking on eggshells. They're
watching her every news. No,But what I'm asking is when she signed

(47:53):
the least, did they know thateventually she's yes, I mean, because
that could that could make things alittle weird having a baby there, right,
But they knew that. They saidthat, they knew she was pregnant.
She's very pregnant. Oh, Isee when is she due? I

(48:13):
mean, she's doing November and she'sgoing and she had planned to live there,
and the landlord, I mean,geez, that's weird. I mean,
okay, so she's going to stayin the room with her Well,
she was going to stay in theroom with the baby for the first six
months and then she you know,save her you know, save some money
back and get it obviously a placefor herself. Okay, and her baby,

(48:38):
this was a temporary where's the fatherof the baby, Well, he's
probably I think he's still in jail. Oh jeez. Okay, this is
not an optimal situation. Brad O'Brien, by the way, thanks for your
advice on that. And he's right. I mean, they're going to have

(48:58):
to do a real eviction for areal reason, so don't I hope she
doesn't get tricked into signing anything,because that's what they want her to do.
They want her to voluntarily agree toleave, and if she doesn't have
another place to go, make sureshe doesn't do that. By the way,
O'Brien, Legal Services olslaw dot Comseven to zero three seven zero seventy

(49:20):
three eighty eight April. That's reallythe longest short of it. Okay.
I mean, at this point,if you do locate a Leisha might want
to send it to us, we'lltake a look at it. But right
now it just sounds like she hasto wait for them to have a reason.
But she may want to just maybebe casually looking for another place that
might be better. Joseph Cano isis my guest today. Joe Cano is

(49:45):
a certified financial planner and he talksabout investing and getting ready for retirement in
a secure way. One of thethings he talked, he talks about two
things, a fixed indexed annuity orhe has actually many, many of them
to fit your circumstances. And theseannuities have guarantees. Now, just so

(50:08):
you know, you're not allowed toeven use the word guarantee when it comes
to financial products, but you canwhen it comes to a fixed indexed annuity.
That's actually allowed because it is guaranteedby an independent party outside of you

(50:29):
and the person who sells it,and it's it's an insurance company. So
Joe, my first question is howsolid are the guarantees. Okay, well,
you know, Tom, they're very, very solid with us because we
choose only companies that issue those typesof annuities that are one hundred plus years

(50:52):
old. They're triple A rated companiesliving around for you know, they'ving around
through all the economic downturns, youknow, and they have survived. So
the guarantees are playing guarantees. Sothat means that if somebody transferred like a
four oh one K or an IRAinto this type of an annuity, they're

(51:15):
gonna be guaranteed, not to losewhat they put in or their games.
And the beautiful thing about it,Tom, is that this annuities will grow
when the market grows to a certainlevel, but when the market drops,
it will remain level. They're notgonna They're not gonna go down with the
market. And this is really whatI've been I've been hearing from people that

(51:38):
they're definitely afraid of losing their money. And I don't blame them. I
mean, somebody came to Golfice yesterdaywith their four oh one K statement and
they said, how soon can Itransfer this money into that annuity? And
we can do it immediately, becauseif we're tired of losing money, I

(51:59):
mean, yeah, now, nowsimple. They're time and losing money right
and more importantly, if they dolose it takes too much time to regain
it. That's one of the biggestproblems, Kaki. We have more coming
up. I'm troubleshooter Tom Martino threeoh three seven one three talks seven one
three eight two five five. Frankdrand real estate Man dot com. Frank

(52:19):
is a real estate broker that canhelp you both if you're selling a property
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based on his thirty years of experience, and you can trust Frank three oh
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(52:42):
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Dan McKenzie is an estate planning attorneyand what he can do is take a
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(56:06):
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three eight six fifty nine nineteen threeeight six five nine one nine Hi tom
Artchino here three all three seven onethree talks seven one three eight two five

(56:30):
five. What do you think thevery first thing burglars look for in a
house? What do you think surveydone by law enforcement? I think it's
so obvious. Come on, what'sthe number one thing? Give me a
guest. Guns. Okay, theylook for guns, that's in the top
ten. But the very first thingthey look for is cash. Well,
isn't that logical? It's easy?I mean if you but what moron keeps

(56:53):
cash in their house in a waythat a burglar could take it? Maybe
a floor safe or something. Wouldyou ever keep now? I keep okay,
I keep cashing a sock in thetop left hand drawer. And but
who else who would look there?Uh? Oh, let me think,
yeah, you'd have to. Idon't know. Well, I don't keep

(57:15):
it in any sock. I keepit in the sock in the back of
the drawer. Do you think I'mtricking anybody? By the way, Seriously,
Now they look for cash, what'sthe second thing? Come on,
Kachina, what's the second thing,that's another obvious thing. You go into
the bedroom and you open up what, uh, be large? Already said
it jewelry, of course, belarge, jewelry, especially the bling he

(57:37):
wears. And okay, so theylook for jewelry and watch it and then
what I now, I didn't think. I really didn't think the number three
on the list is accurate, althoughplease say it is electronics, because to
damn, why would you haul out? You can buy a damn seventy five
inch led TV for four hundred andninety nine. You can buy, by

(58:00):
the way, you can buy theolder ones, you know, those old
ones. I'm sure they're referring moreto laptops, iPads. Yeah, I
think game boys or what are theycalled that? Yeah, yeah, yeah,
gaming systems exactly. That's probably rightnow. Number four on the list,
uh, drum roll. And ofcourse this one I see, I

(58:21):
would see, and that is prescriptionmeds. But what are they looking for?
Though not just any prescriptions. Theywould love to find painkillers, my
god, painkillers. Do you knowif opiates were not listen, if opiates
did not build up a tolerance,if opiates were not like so devastating to

(58:43):
your health and killed you and andyou know, arrested your respiratory rate.
We could have world peace. Justpass them out, we could have world
peace. No one wants to getinto a fight on opiates. But well,
hold on, but it would beconstummated. That's true. Yes,
but you so fiber fiber and uhfiber and fentanol. But anyway, I

(59:09):
digress. I'm serious. That's bad, bad crap, bad stuff. But
I'm but look at the look atthe desire people have nowadays for pain pills.
It's amazing to me. I'm gonnatell you something. I had a
prescription one time after surgery. Iforget when, but anyway, I remember

(59:32):
people around me asking if they couldhave one. I don't mean like people
around me in the station here.They don't ask, They just steal.
But I'm talking about and I'm kiddingabout that, no, but I'm asking.
I'm not gonna like mention names oreven circumstances. But people say,

(59:53):
oh, by the way, doyou think I could borrow one of those
or have one of those? I'mhaving some pains. It's like it's like
this irresistible thing. Man. Okay, another thing they say they look for
personal documents, and I can seethat they want. They want like birth
certificates, passports, stuff like thatwhere they can they can forge identities.

(01:00:15):
They really want to forge identities.And then they want designer clothes and purses.
And then they want keys. Nowto me, that's useless keys.
What good would keys be unless youcan get to it immediately, like keys
to a shed or keys to thecar out in the garage. Yeah,
and then this one I absolutely refuseto believe. And I don't think truthfully

(01:00:40):
dot COM's got it right. They'rethe ones that surveyed this, and that's
and that is this furniture. Whothe hell is gonna move You don't even
move furniture when you're getting paid forit, let alone steal it. And
bicycles would be number ten. I'dthink bicycles would be higher, especially the
new e bikes and stuff. Youcan walk away with a five thousand dollars

(01:01:04):
booty one bike boom. Anyway,Joe kanos as I said, as a
financial planner, we talked about,hey, you know, Joe, not
to disagree with you, because Ireally do agree with you on ninety nine
percent of the time. But somebodyjust texted me and said, you know,
Tom I've been in the stock marketfor many years and I've made good

(01:01:25):
money, and I don't know whyhe always says people don't want to lose
money. Of course they don't,but it's been a proven hedge against inflation.
And I think the point we wantto make is not that you can't
have a stock account and hold somepretty good stocks and make money. But

(01:01:45):
the problem is not the making ofthe money, but making up for losses.
You have to have a time horizon, and as you get older,
Joe, the time horizon shrinks.Isn't that the main point? Well,
that is right, you know,and that we're not really disagreeing with the
stock market. I think if you'reyoung and you know what you're doing,

(01:02:09):
Tom, that is the key.You got to know what you're doing to
pick up the right stocks. Youknow you can do well with the stock
market. But as you get older, You're absolutely right, your time horizon
will shrink. And this is whenpeople come in and they say, we
want to keep it safe and wewant to make our money last as long

(01:02:32):
as we will. See that isthe key. You know, you can
build a beautiful out of money withyour far one k or with the stock
market but if you begin to drawthe money out, it's on a deplete.
And of course, as a financialplanner, you wouldn't tell people to
put all their money into an annuityanyway. I mean, there's nothing wrong

(01:02:54):
with having a variety of buckets,right, Well, absolutely, you're right.
I mean, we actually tell peoplenot to put all their eggs in
one basket. We want people todiversify us. People come in to see
me. We're talking about the retirementaged people. Okay, we're not talking

(01:03:15):
about the young, young individuals thatcoming, right, We're talking about retirement
age people. Those are the peoplethat are definitely afraid of the market.
They want to keep their money safeand they want to have an income that
will last, a guaranteed income thatwould last for the rest of their lives.
That's what they're you know, that'swhat really they're interested on you.

(01:03:37):
Yeah, and Joe, Joe,I have a couple facts is here,
but I tease me not facts astexts. But I'll get to you in
a second. Here three O threeseven seven nine sixty six hundred is his
number when he's not here. Thewebsite's my moneymway dot com. And then
I also have a question about overfunding, life insurance people, whatever you want
to talk about. Give us acall if you have a problem, question

(01:03:58):
or complaint. And also I wantto remind you you can text my personal
Google Voice number, which, bythe way, is it's truly mine and
only mine. It doesn't go intoa big switchboard or anything. So let
me give you this number, andagain you're welcome to contact me twenty four
to seven. I may not getback to you right away, but it's
seven four seven nine nine nine fiftytwo eighty. I made up my mind.

(01:04:20):
I want to give direct access tothat number. Of course, we
also have our other number here onthe show that iheartprovised for texting, which
is five seven seven thirty nine.But let me give you that Google number
again. Ready, seven four sevennine nine nine fifty two eighty. We
have more coming right up. Youknow, if you are facing hail damage

(01:04:45):
of any kind, don't ever makethe mistake of signing something at the door
on a clipboard or anywhere, oron an iPad to let a roofer look
at your roof. That's a trick, that's a contract. Okay, don't
sign anything if a roofer tells youthat you have to sign something for them
to look at your roof. They'reliars. If they tell you it's for

(01:05:08):
liability and all that, they're liars. If they tell you they can't give
you a full contract until they talkto the adjuster or whatever your insurance company
does, that, they're going togo with their liars. Okay, if
they say they need money upfront,they're liars. How about all that?
Right? So who doesn't do that? Excel Roofing doesn't do that. Excel

(01:05:30):
Roofing will look at your roof,give you a full detailed contract upfront,
not ask you to sign it,not pressure you, not give you a
penalty if you do sign one,and they never ask for a dime until
they're done, not a cent untilyour content. Excelroofing dot com. That's
excel as an excellent ex cel excelroofingdot com three oh three seven sixty one

(01:05:53):
sixty four hundred. Now what ifyou want the best deal ever on a
water heater? Who would you call? I hope you remember this? Europlumbing
Colorado dot net. Euro Plumbing.Now Europlumbing says they'll do a forty gallantaning
fully installed for thirteen ninety nine anda fifty gallant tank for fourteen ninety nine.

(01:06:15):
Now think about that, right,around fifteen hundred bucks for a full
fifty gallentaning fully installed. No onecan do it. Plus they tear out
and haul away the old one.Europlumbing says, put them to the test
and they'll show you not just waterheaters, but any plumbing. They'll do
cheaper and better than anyone. That'sthree oh three sixty six eight six eight
four four six six eight six eightfour four. Hey, Tom Martino here

(01:06:40):
three three seven one three talk sevenone three eight two five five Joe.
We got a tough crowd man whenit comes to our streaming audience, our
podcasters, our textures. So I'mgonna ask you some straight up things.
Okay, now, okay, First, I want to make a statement so
I'm fully trans parent. I havean annuity. It's one of my tools.

(01:07:05):
It's not the only one, it'sone of them. Okay now,
but somebody wants to know. AndI get this. If you take a
pot of money and put it awayand it makes I think mine, I
don't know whatever it's returning. Whatare they returning? A good annuity will
return, Not that it matters becauseit ratchets up and you can't lose it.

(01:07:28):
And I think it compounds too,don't they compound or not? Joe?
You tell me on anywye our annuitystuff? Two components fo me.
They have you know, the theindex component. Right, It means that
the annuity will grow on the stockmarket grows. But they also have a
guaranteed portion that they depending on theage, it could range between four to

(01:07:50):
five or six percent. Right,So that's the guarantee, right, right,
that's the guarantee. Said, that'sright. So so but then you
have the stock market index. Soif the S and P goes up to
if the S and P does eighteenpercent, you don't do eighteen but you
do what's called a participation of that, right, that is right, It's

(01:08:10):
called the participation. So you gota few things to look at with an
annuity, okay. One is okay, you have a lump sum of money
or you know a pot of money, and then you have what's called a
guaranteed rate of return, so nomatter what, you'll never make less than
that guaranteed. Or you have theindex and the index you don't get one
hundred percent of the index, youget a participation rate. So different annuities

(01:08:34):
have different participation rates, and ifyou get a higher participation rate, you
might get a lower guaranteed rate.If you get a higher guaranteed rate,
you might get a lower participation rate. Whatever. And that's what Joe does.
He helps you balance it all out. So here's my question, how
much does it cost me? Becausepeople are obsessed with this, they're saying,

(01:08:56):
look, I heard they're really expensive, So what is it really costing
me? I mean, I knowI'm making money. I know I have
a guarantee of an income. Butam I paying too much for those privileges?
Are you ready for this? Yeah? And I want to know?
Yeah, go ahead, let letme tell you. This is some black
and white go ahead, guarantee this. Okay. The only fees customer will

(01:09:18):
ever pay on our annuities that wepromote is one tenth at this one tenth
of one percent? Now, jobdeth of a percent? Okay, I
need to understand this now, solet's just take again. I don't like
talking in numbers, no one reallydoes. But what's an app I don't

(01:09:39):
even know if there is such athing. What's Let's see what do people
say? Unless some people have acouple might come to you with five hundred
thousand, right, that's right.Okay, so you're saying one tenth of
one percent, one tenth, onetenth of a percent of the account value
every year, that's the only feethey hey, Tom, and they're going

(01:10:00):
to be getting that bonus. They'regoing to be getting that. So on
all, I hope, I hopeI'm doing this correctly. But okay,
so you're saying on a five hundredthousand dollars account, okay, you're saying
ten percent would be of course wouldbe uh fifty grand, but they're paying
a tenth of that. So they'repaying five grand a year, right,

(01:10:25):
yeah, okay, one tenth ofa percent, Okay, got it?
They pay Now if you look atthe if you look at four one ks
or no, I know, Iwas just going to say this, listen,
man, I have I have accountswhere I'm paying that on an IRA
for self directed iras, right okay, So so yeah, some people are

(01:10:45):
paying between three and five percent andfeesm Now, so here's the deal mark.
But now now hold on, Sothat's a tenth of a percent the
first year. But when the accountgrows, then the fees go. The
fee goes one tenth of whatever theaccount value was. Right, that is
that is direct. Okay. Butis there an upfront fee? No,
there's not. The only fee.The only fee they pay is one then

(01:11:12):
of a percent each and every yearperiod. Nothing more. Okay. Now
what about someone said it's not aninvestment, it's an insurance product. It
is an insurance product, but itis an investment. You see, an
investment is when the money has thepotential for growth. A savings account is

(01:11:36):
not an investment basically, Okay,if the potential for a great growth is
an investment. So an annuity.People use annuities as investments for their retirement
period. They have more. Theyhave multiple annuities. Tom. You know,
we have people that have fourteen annuitiesand they ladder the annuities. So

(01:11:59):
if they need an income from one, they turned the income on one and
to let the other thirteen anuties growkeep growing. When they need more income,
they'll turn the switch on the secondannuity to increase their payout every single
month or every single year, andthen let the other twelve you need to
grow and they go through retirement.In this matter, all me safe with

(01:12:23):
a guaranteed income stream for the restof their lives. Okay, here's and
here's what I want to say.And I got to say this straight up.
So anybody listening. I've told Joeknows this. We're almost the same
age. I think he's much youngerthan me. But anyway, anyway,
that's right. Now here's the point. You know, I've been doing this

(01:12:44):
for fifty years. I'm seventy yearsold. I am not here to sell
anything. In fact, Joe,you know how I feel about the financial
industry. I think most of themare a bunch of crooks in my in
my idea, and I'm here totalk about every aspect of everything, the
benefits, the advantages, the disadvantages. I have no one to protect and

(01:13:06):
nothing to hide. Neither does Joe. So here's your chance, you know.
I mean, I had some guyson YouTube asked me what I want
to know, straight up? Whatthe fees are? I want to know?
Why do you call it an investment? Okay? And okay, so
no one can ask a question.I won't ask you, you know.
And so what I'm saying, there'snothing to hide because the Internet is such

(01:13:30):
and the world is such that wecan get any information we want. Why
would anyone be so stupid as totry to lie or try to hide facts.
That's not what this show is about. I'm not trying to sell you
an annuity. In fact, manytimes Joe and I go back and forth
on how much should be an annuity, how much in the stock market,
back and forth because there are differentphilosophies. It doesn't mean one philosophy is

(01:13:57):
all wrong and one is all right. They are what they are. I
think the biggest and most important thingI found out in investing is balance.
Is that there's nothing altogether bad orgethergood, including variable annuities. Now now
I'm not counting those, they're veryrisky, but there is a place for

(01:14:18):
those for a sophisticated investor, becausea variable annuity it has them. I
don't want to get into it rightnow because that's not what we're talking about,
But there's a there. I think, Joe, there's probably a place
for every investment with the proper knowledge. Don't you think I agree one hundred

(01:14:38):
percent? I mean I ply agreea hundred percent. So the key is,
you know there's good annuities and badannudies. Okay, yeah, that's
true. Place there's a place forthose annuities. Like you said, that's
right. If somebody's a real savvyinvestor, a very well annuity may do
well. If somebody wants to bein the stock market and take that risk,
you know they're an aggressive, rightinvestor. That's right. I got

(01:15:01):
to take this break though, Okay, So hang on, folks, give
us a call with any problem questionor complaint or investment question. As I
said, we don't hide from anything. You can ask anything you want.
More coming right up. You know, George Donaldson is a friend of mine
and he got into the plumbing,heating, cooling, and electrical all of

(01:15:21):
that many many years ago, andthen he's been doing companies around the country
and here in Denver, and I'mtelling you I know him, I know
his crew, and they want toprovide the best service at great prices.
Now that doesn't mean the cheapest,it doesn't mean the most expensive. It
means fair. And if you haveanyone telling you you need something, get

(01:15:45):
a free second opinion from fix Ittwenty four to seven. That's all.
You can say no, or theymay find you don't need it. Free
second opinions are never a bad idea. Seven of your five two six thirty
nine thirty nine seven to zero fivetwo six thirty nine thirty nine fixmihome dot

(01:16:05):
com. Okay, zero res Denveris my favorite carpet cleaning company. I
mean truly. How do you competewith them when they have purified, soft
and alkaline based perfect water water.Okay, why does water clean so well?
I don't know, Ask God,but I'm telling you it's the best

(01:16:26):
cleaning agent in all of nature withoutanything wrong with it. Okay, nothing
wrong with it means your air inthe house is clean, the carpets are
clean, your kids are clean crawlingaround on it, Your pets are safe.
You're safe. But you get reallyclean carpets with no residue left behind,
so they stay clean longer. I'mtelling you from personal experience. When
you experience zero RESI and all ofa sudden, you don't smell that musty

(01:16:49):
smell, and you don't feel thedampness, and you're thinking, my god,
these carpets look new. You're gonnasay, Tom, I know why
now you talk about them like youdo zero Resdenver dot com. In fact,
they also do upholstery and mattresses andtile and grout and any solid surface
you know, during COVID, Ihad them do my whole house. These

(01:17:11):
guys are for real three oh threefour seven one fifty one fifty three oh
three four seven one fifty one fiftyzero Resdenver dot com. You know,
I'm Tom Martine, your trouble Shooterthree O three seven one three Talks seven
one three eight two five to five. So we have the show in the
show, I call it the Showabout the Show, and that's on our

(01:17:33):
streaming platforms, and then when youdownload it, I think you get to
hear that the podcast. I don'tknow if do they edit all that out
on the podcast, the behind thescenes stuff, Kachina, do you know
that or be large? I don'tknow if they do or not. But
anyway, oh, it doesn't goout. Okay, So you got a
stream to hear all that. Andwhat I was saying is you guys can
ask any question about anything we dohere, and we are one hundred percent

(01:17:57):
transparent. I don't care. Ihave no one to protect accept myself with
honesty. So, uh, onething I do want to talk about one
of the biggest complaints I get abouteveryone. I'll be talking about that coming
up. Ripped up News you needadvice when you don't have come run into

(01:18:28):
ass as we can. Shooter's gonnahelp coming man. This is the Troubleshooter
Show. No Tom Martino, HiTom Martino, your Troubleshooter. Three oh
three seven one three talk seven onethree eight two five five. What's new
in your life? And how canwe help you? That's what we ask

(01:18:49):
each and every day. So givea call. If you have a problem
or question or complaint, anything onyour mind, where someone lied to you,
or ripped you off, or cheatedyou, you can give us a
call three oh three, seven toone three talk three oh three, seven
one three eight two five five.You can also call three oh three Martino

(01:19:11):
and you can call that twenty fourto seven three oh three six two seven
eighty four sixty six. Some ofthe things we've been talking about. One
of the things when you discover abad problem in an apartment you're renting or
a house you're renting, you areyou can't just end your lease and walk

(01:19:35):
away. Now you have to gothrough a procedure to end that lease.
If you don't think the landlord iscoming through to fix it, and it's
dangerous or it's safety related, orsecurity related. You have to go through
a proper procedure. Now you canleave early if you on, but you
still have to pay your rent untilyou get out of paying your rent.

(01:19:58):
It's called a constructive eviction. Ithink people make such a big mistake when
it comes to constructive evictions. Okay, so you're renting. In this case,
they discovered black mold. They immediatelywent to a hotel room. They
didn't even check to see if theblack mold was toxic, if it was
in the air, if the landlordwould fix it. They just left.

(01:20:19):
Okay, Now they wouldn't go back, so they proceeded to find another apartment
and they left. That's it.They just stopped paying rent and left.
They had eight months left on theirlease. This landlord can go after them
for the money. What you're supposedto do is notify the landlord that there's

(01:20:42):
a health or safety violation and thatit must be fixed. It's inhabitable,
and it must be fixed within areasonable amount of time. You can give
them seven days, ten days,some people say thirty days. There's reasonable.
There's really no one number that count. It depends on what it is.
And then if they don't fix it, You can say I'm going to

(01:21:04):
withhold rent and fix it myself,but you have to fix it. You
can't just withhold rent. The otherthing people do is say, well,
then I'm leaving, and then theygo about evicting themselves. That's why it's
called the constructive eviction. You're leaving. Now the landlord can say you didn't

(01:21:26):
have a reason to do that.You have, so you have to be
ready to show proof that it wasdangerous or it was unsafe in some way
or unhealthy and get expert opinions andtesting. If it's black mold, you
can't just say I don't like itand leave. Well, you can,
but you're not going to get reimbursed, and in fact, they might be

(01:21:49):
able to come after you for breachof contract or breach of the lease,
so be careful. If you're inthat situation, call us first. Then
we have a situation where people signfor a room in a house, not
necessarily the whole house, but aroom plus common areas. Those are the

(01:22:12):
most risky leases you can have becauseyou're living with three people unaffiliated with you,
and if you all don't get along, it's hell to pay because you
just signed a year's lease, thenif they want to get rid of you,
they can make life difficult for you. So I never recommend those kinds
of leases, although there are moreand more of them showing up. Because
people can't afford a place by themselves. It's better to get someone you know,

(01:22:35):
a friend or relative. Even that'snot perfect, but it's better to
do that than this other way.The only benefit this way is when you
go in and get a room andyou have common areas and you have other
roommates, at least you're not onthe hook for the whole rent, even
if one of the roommates flakes out. Okay, because when you go in

(01:22:58):
with a friend or relative, thoseleases usually say that both of you are
responsible for all of it. Sothat's a problem because if you go in
like a friend and rent a place, right, we've had this happen where
friends go in and rent a place, then they have an argument or one
friend is a deadbeat, the otherfriend isn't. One friend leaves, that
one friend who remains is on thehook for everything. Whereas if you go

(01:23:21):
and rent a room and a commonarea in the house like the kitchen and
living room, but you all haveyour own room, those are separate leases
for each one of you, sorenting is very difficult people, It's very
very difficult. I was thinking ofa business because of how expensive things are,

(01:23:46):
and I don't know how exactly Iwould structure it, but it would
almost be like a co op wherean owner, let's say it, such
as myself or an investor, wouldown a piece of real estate and then
you buy into it. You don'thave to buy the whole thing, so
we each own part of that unit, so you have some skin in the

(01:24:06):
game. It's yours, but Iown part of it to keep the cost
down. I'm not sure how thatwould be structured, but I don't think
it's an entirely terrible idea because ifyou flake and leave, you give up
your ownership. If you stay,you have equity if you want to sell

(01:24:27):
your part. So I don't know, I mean it would it would require
some thought to do that properly.But we have to come up with innovative,
innovative ways to get people a placeto live. I mean, I
feel bad for young people who areworking their asses off and they can't afford
a place to live. I mean, they can't live with their parents.
The whole time now three ozho threeseven to one three talk three oh three

(01:24:53):
seven one three eight two five five. On another tex somebody was asking about
the E four seventy tolls that wewere talking about the other day. Four
seventy will assess a toll to you, plus penalties and interest if you ignore
their notices. If you don't havean updated address on your registration or title,

(01:25:14):
you better have it because you won'tknow you're getting those notices. And
those tolls can be doubled when Imean not the tolls themselves, but the
tolls the bill could be double whenyou consider the interest in penalties. And
that's E four seventy. Now.I said before the break that the one

(01:25:35):
thing about this show is that weabsolutely have no one to protect. Ever.
We have sponsors and we love them. We have the referral list.
We love them. But you knowwhat, we love them until we don't.
But that doesn't normally happen. Ithink over the years, I've maybe
bounced two clients all together. Imean, it doesn't happen often because we

(01:25:56):
vet them beforehand and we constantly arecontinually monitor them. There have been times
we've parted with clients on a friendlybasis, But they just I didn't.
They were not my cup of tea. They did not I don't think,
handled things properly. They weren't dishonest, they weren't crooked, but not my
cup of tea. So we partedas friends. Let's say now, but

(01:26:23):
let's talk about the biggest complaint.I get about good and bad people,
but mostly about good people. Thebiggest com plan I get. If I
had to sum up all the complaintsI get, what do you think the
biggest complaint is? What do youthink it is. I'm not talking about

(01:26:45):
out and out ripoffs. I'm nottalking about ripoffs. I'm talking about a
complaint that is the most common complaintI get. That is pricing. I
swear to god, people are justwild about pricing. Now here's some of

(01:27:08):
the problems. A company comes intoyour home. It's mostly services companies.
Sometimes it's attorneys and other things.But what I don't understand is you're giving
a price up front and you approveit. You approve it. Why why
would you approve it? If you'requestioning that prece are you thinking, well,

(01:27:28):
I'm going to sign it? Don'tever think this? Well, Tom
Martine recommends him, so it mustbe the lowest price. That'll never happen.
It doesn't mean it's the highest priceeither, But don't sign it if
you don't like the price. Ifyou have a question about the price,
research it. Now. Unfortunately,there's nothing at a bargain anymore. Nothing

(01:27:50):
is a bargain. Not windows,not doors, not siding, not roofing,
not appliances, not appliance repair,not furnaces, not water, well
water heaters. We have europlumbing.That's the one area where he's still doing
some screaming deals. But in general, you're not gonna find bargains. You're

(01:28:12):
gonna find value, maybe great ratesystems at great prices, but you're not
gonna find anything cheap or and expensive. You're just not okay. That goes
for auto repair and everything. Sodon't sign it up front and then call
me and say I was told bymy brother in law that's too much money.
Do research. There's nothing to preventyou from doing research before you call

(01:28:33):
them to your house. Now,I know, in an emergency, if
you need something, you need afurnace, or you need air and it's
freezing out and all that, youknow, you tend to make a decision
because you need it. But evenin those cases, that can be prevented
by simply doing some homework. Inother words, well not homework, proactive

(01:28:54):
maintenance. Before it's extremely cold,and I mean, I'm gonna be telling
you this in about a month orso, start looking at your furnace.
So if someone says, hey,you need a new furnace, you're not
so damn cold and afraid that notto get it that you have time saying

(01:29:15):
hmm. He says, my furnaceneeds to be replaced and it's going to
cost this much. And by theway, always compare and always shop.
That's the only thing that will giveyou an edge. That doesn't mean you're
going to find something cheap, butmaybe cheaper or less expensive. The point

(01:29:39):
is, don't call afterwards. I'veeven had people call. Listen to this.
One person said fourteen to five.They had a furnace and AC put
in for fourteen to five, andthey literally told us that they thought it
was fourteen hundred five, fourteen hundredfive dollars fourteen to five. Come on,

(01:30:03):
now, if you really believe thatyou did sign something. But here's
another complaint I get, and Idon't know what to do about this,
but I'm going to talk to ourcompanies about it. Do you know that
nowadays when they have you sign likehold on, hold on, Yeah,
you sign on these things. Yousign on on iPads. Now, you
don't even sign on paper or clipboard. Some of them have them. So

(01:30:26):
they put they put an iPad infront of you and say here, and
you see prices, right, andyou see conditions, you sign, and
that's the last you see it.The only the only time you get a
copy of that is when they getback to the office and they email it
to you. Now, I'm hopingthere's a way you get an email to
you immediately. In fact, Iwould want to email to me before I

(01:30:48):
signed it, or if I'm gonnasign it, I want to read it.
And it's very intimidating. When it'son an iPad and they say go
ahead and sign, it's very intimidating. And then you don't get a copy
right away. So all of thesethings are all new age, they're new
the way we do things now.But again, pricing is the number one

(01:31:11):
complaint, the number one now asfar as financial products. As I say,
we talk a lot about finances onthis show, and I have guests
on today, and we're going totalk about that. But I will get
to those questions that you asked,no matter how tough they are. Now,
Phil, you have an issue withan Apple laptop. I want to

(01:31:34):
ask you something out of curiosity.Here, Phil, is it a new
laptop? Yeah? I just boughta laptop from Walmart. I see it
was on sale. It was likethree dollars. Wait, wait, wait,
an Apple laptop, an Apple forthree hundred dollars. Yeah, over

(01:31:56):
at Walmart it was on sale.It was like the model is it dollars?
You know, I don't even knowthe model. I don't know anything
about these computers. All right,hold on, Phil, I'll come right
back to all right, Cameo,I will. I'll come right back to
Cameo. And you're calling about shop. Oh, I know what you're calling
about. I looked up your call. You hang on. We got more
coming up on the Troubleshooter Show.Three all three seven, one three A

(01:32:17):
two five five. Hey, youwant to know something. KH Home Solutions
is the people I would call forthe best windows right now, and I've
looked at them Alpen windows made righthere in Colorado, commercial windows before.
But now they're in the residential marketand K and H the oldest home improven

(01:32:38):
company in Colorado. K and His the one offering these windows. You
will love them, made right herein Colorado. Great pricing, but more
than anything, great quality, thermallyinsulated, and man are they energy efficient.
As with all kh's products. Kwindowsdot Com is the website KH Home

(01:33:01):
Solutions three oh three four two oneseventy one hundred four to one seven one
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prices up front, they'll show youwhat they have. They have imaging software

(01:33:21):
so you can see what the bathroomwill look like, whether it's a half
bath in a hallway, a fivepiece bath, a whole bath, a
big master bath, whatever it is, they can do it, and they
do it at a discount. Theirtheory is simple, we can do great
products and we don't have to markup each and everything, so we can
give people discounts and we're happy totalk to them about prices upfront. So

(01:33:42):
give them a call and find outwhat they can do for you. They're
good people and you can trust them. Discountbath dot com seven two zero nine
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(01:34:05):
all the purchase I've made for myhome. I've said this before. It's
not that I don't like the otherpurchases, but nothing gave me the immediate
payoff as Qccolorado dot com. That'sthe whole house fan Quiet Cool. What
it does is simple. It evensout the tempts in your home. It
does with this whole house fan keepingthe air moving and circulating, it destratifies

(01:34:29):
the air that in and of itselfwith nothing else. That alone keeps your
air conditioner working less. But nowadd to that the cool mornings and cool
evenings we have in Colorado. Youdon't have to run your AC all day
and then wait for it to cooldown at night. So you see a
lot of people, a lot ofpeople run it all day because they don't
want it to get really hot.You don't have to worry about that with

(01:34:50):
a whole house fan. Turn itoff, leave the house, go to
work when you get back, nomatter how hot it is. In less
than ten minutes, it cools downand then you air conditioner can kick on
when needed. You're gonna save money. Let's just put it that way.
Qccolorado dot com one of the bestpurchases I ever made. It's remote controlled
and the wiring in the walls.They do it in like an hour and

(01:35:12):
a half and you're just gonna loveit. Okay. Three oh three,
eight hundred thirty four nineteen three threeeight hundred thirty four nineteen Hi Tom Martino,
Phil, what is your problem withthe Apple laptop that you bought?
Well, she's got an old Applelaptop, our eyepad or whatever you want

(01:35:40):
to call them. Well, it'seither or. I mean, it's a
laptop where it's an iPad. Idon't know what it is. Is this
something you just pay go ahead asan iPad? But the screens were broken
because she kept dropping it and breakingout. Okay, got it, Okay,
new a new Apple Pad and itwasn't three hundred dollars. Is two

(01:36:03):
hundred and forty nine dollars. Anyways, it's a pod nine. I don't
know if you know anything about that, And it's a sixty four sl Okay,
you know what is your will?What is your question about this iPad?
Well, I bought this for mywife's birthday, which is today,

(01:36:28):
and I gave it to her andshe went in there and tried to transfer
from the old iPad all the informationto the new iPad. Okay, Evidently
it blocked her out or something sheput in the wrong password. She can't
think of what password it was oranything for the old she so she doesn't

(01:36:54):
have her Apple ID for the oldiPad. Of course she does. She
did like HH or whatever it is. I don't know, Like I said,
I don't know anything about these computersor films or anything like that.
I don't thought maybe you couldn't help. Well, let me just tell you
this, okay. Usually there's twothings that could be happening. It could

(01:37:16):
be her Apple ID, which wouldhelp her transfer everything over from iCloud,
or it could be she can't evenget into it because of her PIN.
Do you know which one it is? Is it? Are they asking for
her Apple ID or are they askingfor her PIN? They're asking for her
code number? Right, Okay,that's a PIN. Right. So in

(01:37:39):
other words, when she when shestarted that old iPad. She had a
pin number she used right, sowhen it's locked, she unlocks it right,
right, and she forgot what thatpin number is. Yeah, my
wife's kind of okay now, rememberingvery well. But you can reset that

(01:38:01):
if she if she has her Apple, I d well, I think you
reset the I think you can withan iPad reset it. But man,
those are really difficult. Hold on, I'll find out. But hang on,
we'll try to get one of myApple experts on. Hold on.
Cameo, welcome, cameo. Iremember you called me about your childcare problem.

(01:38:30):
Yes, and as I remember it, did you tell me that your
automatic withdrawal from Arapahoe County, theIrapa County collected from the father and then
it would be deposited into your account. Correct? And every time I email

(01:38:51):
or contact Arapaho County, they they'revery rude. One lady said, I'm
going to hang up on this womanand make her lose her mind. I
was on a recorded call and Iwas still on the phone, and she's
like, oh, I'm really sorryif that offended you, and I'm like,
yeah, that definitely offends me,and it would offend anybody with the

(01:39:12):
same mind. What I want toknow is this, how many payments are
you missing at this point? There'sone week that I have not that I
didn't receive. The bank claims thatit was in my account. It definitely
was not in my account, orif it was, somebody withdrew it,

(01:39:33):
the amount is different. I neverhave gone to court a Rapahoe County refuses
to update my information I have received. You know, well, okay,
okay, that's that doesn't make sense. So let me get one thing at
a time. Okay. You weregetting monthly childcare payments of how much eighty

(01:39:56):
two dollars and fifty six cents everyweek? Okay, and then those checks
were deposited into your account except forone of them. Is that right?
Correct? Is this entire issue rightnow about that one check? No,
it's way bigger than that. Howmany checks, Well, the amount is

(01:40:20):
in question. I am asking holdon, I'm asking how many checks did
not get deposited into your account asat this point one I'm still waiting for
a check for this week. Butthere's a lot of issues with the Rapahoe
County. I understand that I'm notasking that right now. I want one

(01:40:45):
thing at a time, So you'reonly missing one check for this week by
But okay, now, is itreasonable to a zoom that if you received
all the others, you're gonna getthe one for this week, because when
you called me on July ninth,it was obviously for that week. I

(01:41:11):
mean, so you've you've since gottenthat check. So so do you think
you'll get this check, the onethat you say you're missing? No?
So why why you called me Julyninth? Okay? You called me July
ninth, like three weeks ago ortwo weeks whatever, and you said you
didn't get a check, but you'vegotten that check since then, and now

(01:41:32):
you're calling me about the most recentcheck. Is that right? No,
sir, I did not get anypayment for the first week of July.
That payment never got Okay, Sothat's this check you're still calling about,
yes, sir, Okay, Soright now you're calling about one check from

(01:41:53):
early July that you never received.Correct, there's that, and there's also
there's other things in the mail froma Rapahoe County that I was supposed to
receipt that I have not received,Like what other things that you did not
receive? EBT food cards? Somy daughter can eat okay, and one

(01:42:15):
out okay, So hold on onething at a time. Then the one
check for eighty two bucks that younever received, your bank claims you did
receive it. That's what the banksaid. And did the banks show you
where it was deposited. No,they they told me to close my accounts.
That he didn't want to deal withme anymore, cameo, Can you

(01:42:43):
look at your bank statement and seewhere the check was deposited? Statement?
No, sir, I wish Icould. I'm not allowed to have access
to my online bank statements. I'mnot asking about online, but certainly if
you went into the bank, theywould have to give you a statement on
your account. Probably. Well,that's what I asked you to do last

(01:43:09):
time I wrote this down, thatyou were going to get your bank statements.
You see, cameo, If themoney was deposited in your bank account,
then it's going to be one thing. If it was never deposited in

(01:43:30):
your bank account, it's going tobe another thing. You're claiming that your
bank, you said, your bankis claiming that they deposited that two dollars
check that you said you never got. They say you got it. So
simply ask them for the statement thatshows the deposit and then we can trace

(01:43:56):
where it went. That's what I'masking you to do. So I can't
do that. They won't give itto me. Okay, so it you
know, sir? Have you sinceclosed that account? They forced you to
tell me? What is it thatwould drive a bank to tell you to

(01:44:17):
leave? They don't want to dobusiness with you anymore? Why is that?
So? I asked them to printmy bank statements because I wanted to
see because there's issues with claiming thatthat my part is being used ACROSSSS in
California. I said, this doesn'tmake sense. I live in Colorado.
Why are there charges for California?And she's like, oh no, that's

(01:44:40):
an accurate charge. And I waslike, but it's not because I don't
live in California. Okay, Socameo, how much was charged in California?
Bob, I don't know. Isprinkled all the charges. This is
the thing I see what I wantto sit down with the lawyer because there's
a lot of fraudulent things that happened. When I went to the bank,
I talked to us about well,hold on a second, hold on,

(01:45:01):
you're saying that someone got access toyour card for my card, my bank
something I'm not lying about about minusmuch. That doesn't make any sense.
Well, you said you were missingone check, so if you count those
charges, how much? How manyillegal charges were made on your account?

(01:45:24):
Quite a jew? I'm looking forI kind of my big Well, why
didn't you send me this stuff whenyou sent me the email? You didn't
send me anything that shows these fraudulentcharges. No, she's nobody asked me
any copies of any of this orI definitely would nothing. Okay, Look,

(01:45:45):
this is you know, we mightneed someone to call Deputy Dollar.
We might need you know, Kitschina, We need Deputy Dollar to do a
conference call with her in her bankand simply ask simply ask for copies of
her statements. She's claiming there wereseveral illegal and unauthorized withdrawals, but she's

(01:46:13):
not showing us that. She's justsaying it happened. She can't even tell
me how many. So so cameo, what are you looking at when you're
telling me there were unauthorized charges?What are you looking at? No?
I'm asking you what gave you thefirst idea that these charges were made to

(01:46:35):
begin with Okay, I'm hearing Ican't. I can't. We can't communicate,
so I need dollar to call her. Here's what I know. What
she's saying that somehow her child supportdirectly deposited into her account has been accessed.

(01:47:01):
She has no record of that whatsoeverexcept of when she looked at it
one time and then they took awayher access. Now, come on,
even with a closed account, theyshould be able to give us a complete
written statement of her account and thenwe can go through it and find out

(01:47:23):
which charges she claims or which whichwithdrawals she claims she never made. But
without that, we have nothing,and I don't know of any bank that
would refuse to give you copies ofyour statement. So hold on three OHO
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(01:50:54):
dot com nine seven zero eight oneeight eight one nine eight nine seven zero
eight one eight eight one nine eightHi Tom Martino here three oh three seven
one three talk three oh three sevenone three eight two five five. Hey

(01:51:16):
Bonnie, you have an iPad,an old one, and you have a
new one, and you want totransfer data from the old one to the
new one. Is that right?But you but you can't open the old
one because you forgot your key,your pass code. No, I got
my old one going, but Ican't get my new one going. Oh

(01:51:40):
wait a minute, why can't youget the new one going? I have
no idea. Oh I thought Philsaid you could not get the data from
your old one onto your new one. So when you turn on your to
I want to take the data.I get it old one, Yeah,
I get it now. The bestway to do that, Bonnie, would
be to take the data from thatold one and load it onto iCloud so

(01:52:03):
it's always there, and then youtake it from eye cloud and put it
on your new iPad. But whenyou say you can't get when you say
you can't get your iPad going,what do you mean when does it turn
on? Yeah, it don't turnon, but the newer GISs hello?
And then that's all I can geton it. Okay, it says a

(01:52:27):
hello, old one, the oldone. She doesn't have internet. We
have Century Length and we're canceling themand going to Affinity on Friday. And
I don't know if that's going tomake a difference or not. When you
say you don't have internet, whatdo you mean? It's a Wi Fi
unit And all you have to dois sign into the internet. See,

(01:52:53):
you have to sign into your Internetlike you do with anything, like you
do with a computer, you dowith your phone. But once you sign
on, you're there. But Bonnie, if you can hang on, I
mean, I don't I think you'rewith the iPad. There's a continue arrow

(01:53:13):
where it says hello, and youjust clicked that button. Hit that button.
Hold on and I'll see if Ican walk you through some of it
ripped up. Need advice, soyou don't have come running, Just as

(01:53:36):
we can. Shooter's gonna help comeman. This is the Troubleshooter Show.
No Tom Martino, Hello Tom Martinohere, Welcome to the show. We
are here to help you solve problems, answer questions, take complaints, make
your life a little easier. There'show brought to you by Compass Insurance Group,

(01:53:57):
home of the free insurance checkups threeoh three six nine nine six nine
thousand. So anyway, on Appleproducts, let me just explain this to
you. Apple products have a numberof ways of storing data. You can
store it locally on the iPad itselfor the laptop or whatever, Okay,

(01:54:18):
locally on the unit, or youcan store it on the unit end in
the iCloud in the cloud, andthen that account can sync all of that
data to all of your devices.So let's just take something simple like pictures.

(01:54:38):
Let's say you have pictures picks,right, so you have them on
your phone, They go to theeicloud, they come down to your laptop,
they go back up to the cloud, and go back down to your
iPad. Everything is synced. Soall of your Apple devices talk to the
cloud and they can sync your data, contacts, messages, pictures, everything.

(01:55:02):
Now, another way to do itis just on the unit itself.
And if it's just on the unititself, that proses a problem if you
can't get in to the unit.Now, remember if you lost your pin
your passcode to get into your iPad. If you did, you can't get

(01:55:25):
into it to get your data,and since your data is not on the
cloud, you can't put it onany other device. Now, if it
was on the cloud, it wouldn'tmatter if you could get into any particular
device because it's still in the cloud. Now, let's talk about another problem.
And I think this is a verysimple one. That's what I thought

(01:55:45):
Bonnie was calling about. But Bonniebasically has a new iPad her husband bought
her for her birthday, and shewants to take the old stuff from her
old iPad and put it on hernew one. And she can do that,
but she says she can't get hernew one going. Well, Bonnie,
you say that when you turn onthe new one, all you see

(01:56:08):
it says hello to you, right, It like writes out hello? Is
that right? Yeah? Okay,Well, let me tell you that,
depending on the model that you havethe new one, when it says hello,
there's either a home button you haveto press, or there's a circle
with a little arrow in it atthe bottom of the screen and you press

(01:56:31):
it and goes to next. Whatthat's doing is setting up it's going to
ask you what country you're in,what language you want, and all of
that. So that's when you sayyou can't get your new one going.
I'm sure it's something that simple.And if you can't figure that out,
it might be hoove you to justget an appointment at the Genius Bar and

(01:56:55):
they'll help you set it up andtransfer your data. They're really good at
that. In the meantime, Tom, I appreciate all your help, sure,
but I think that she would feela lot better if everybody in the
in the radio station would sing ahappy birthday to her, and then she'd

(01:57:16):
leave me alone. Thank you.Okay, Well, who's going to sing
happy birthday, Kachina? Well,wouldn't that be you? Well, I
need music. We can't sing thatsong, Oh, because it's copyrighted.

(01:57:36):
Conrect you, liar, liar,pants on fire? Not really, would
we be blocked out for doing that? The answer is yes. Oh man,
hey, Phil, no fool,and we're not allowed now. Even
if we sang it ourselves right,we can't do it right. Correct.
It's a protected song, Phil,That's why you know. That's why in

(01:58:00):
restaurants and stuff they sing happy,happy, Happy, happy birthday, birthday,
or they sing first she is ajolly good fellow or whatever, but
we will say happy. How aboutjust saying it. Yeah, happy,
happy birthday, Bonnie. How oldis Bonnie? Tell it Bonnie, Monni?
Tell Tom how long we been married? And how old were you when

(01:58:24):
we got married? Kill them?Yeah? How long you've been married?
He was eighteen. I don't knowwhat I was doing. He was eighteen?
And how old were you? Seventeen? And how long you've been married?
Fifty seven years? Wow? Thatis wonderful, hey man, No,

(01:58:44):
no, no, that's really cool. You've been married fifty seven years.
Holy crap. You know what itis? Your whole life electic?
Hey, Tom, I was inthe electronic business, and I remember talking
to you. You are you alwayssay were you in the radio? Of
course I was in the radio.I was in electronics. I fixed radios,

(01:59:04):
I fixed TVs. Everything I knowFrit Schmidt and and and pistols were
I remember you? I remember you, Phil, And I'm so happy we
heard from Bonnie. It would bereally better if your name was Clyde.
Then it would have been Bonnie andClyde. But it's okay, yes Bonnie,

(01:59:24):
and yes, yeah Bonnie and Clyde. I listen. That is cool.
So but really, on a seriousnote, though, a happy anniversary
whenever it is. That's a wonderfulthing that you guys have stayed married and
you love each other, and hebought you a brand new Uh, that's
nice that he brought you a brandnew whatever? Can you iPad? Can

(01:59:50):
you believe it? Paid one hundredand forty two hundred and forty nine dollars
for that? No, that's agood deal. Probably an older generation,
but hell, that's all that youneed. I like you're a good guy.
Good guy. That's wonderful anyway,So congratulations to both of you.
Thanks for calling me. Three ohthree seven one three talks seven one three

(02:00:13):
eight two five five. I wantto talk to Jordan Caiano again. We
had some questions come up and wetalked about annuities and stuff, and people
ask how much does it cost?Then I got another question on facts a
text here. I don't know whythe hell I keep saying text? Let
me see where is it? Okay? Where is it? Dog on it?

(02:00:35):
It's about it's about expenses, Okay, your your dad said, and
I misquoted your dad's said, isone tenth of one percent? I said,
So if a couple had five hundredthousand squirreled away, it'd be five
thousand. It wouldn't be. It'sonly five hundred dollars a year. I
mean, that's incredible. That's that'sone tenth of one percent. Are those

(02:00:55):
all the fees or are there commissionson top of that? Those are all
the fees. The only additional feethat it could potentially be would be some
of the allocation options, some ofthe choices. Some of the videos might
like we personal advise these, butthere's some additional allocation choices where you can
park the money and how it's invested. Those could have additional fees like one

(02:01:16):
percent. Now, what do youmean? Would give me an idea like
an ETF fund or something? No, not for se like usually like most
of the accounts have like maybe tento twenty different ways that you can choose
how the money could grow in themarket. So like one could be the
S and P five hundred that's usuallyone or gold bouyon. Okay, But
do those investment accounts carry their ownexpenses? Some may not all of them.

(02:01:42):
Some have additional kind of limits thatyou could reach, like different higher
caps, or some have maybe withblack rock because they like then there could
be additional fees on some particular onesthat they might want to invest in.
But we help all of our funds. We sit down with them every go
to show them those which ones thatwe prefer that are non feed based ones,
and some that might be a littlebit higher if they really want to
go that route. But no matterwhat, brow your money. But no

(02:02:05):
matter what, when you have thislump sum of money in an annuity.
Okay, let's say you have thelump sum in an annuity, it's growing
at either a guaranteed rate or aparticipation rate, whichever's higher. Right,
Yeah, So to make it theeasiest way, I always say, there's
a left side. On the rightside. The left side of the five
hundred grows based off those allocations withthe S and P five hundred Blackbrock hell

(02:02:29):
have you to look at it,dow Jones. On the right side is
just what you're talking about. Growsat a guaranteed rate no matter what holiday.
And then what does it do atthe end of the year. It
takes the higher one once the clientwhich decides to take them on nothing,
which everyone is the highest of thetwo ones. They just find Oh,
so these two are accumulating the lifeof the annuity. Correct, You got

(02:02:50):
it. So no matter what Ialways say, worst case scenario is the
right side of the B account bethat just always grows steady at y,
no risk to go up or downor up in sideways. Whereas the market
side they can up for the lostcould ever get to be a zero in
a year. So at the end, but if it gets zero, then
it goes to the guarantee. Nope, if it gets zero, then it's

(02:03:12):
just kind of flatline for that accounta side. So h but I understand
that for that side. But atthe end, when you start taking income,
the account value is whichever one ishigher, correct, that's the right
I would say. If then whicheveris the highest of two, which I
want to lends the race, Sowhatever, that's right, that's a good
way of putting in whichever one winsthe race. So you are tracking the
account with two basically indexes. Oneis a guarantee and one is a participation

(02:03:40):
in the market. Correct. Thereyou go, yep, And and that's
when they decide to put that switchon which everyone's higher on the tape.
You know normally what it turns outto be. Is it usually the market
participation or is it usually the guarantee? Typically I'll say, as of right
now, I would say the guaranteedsides and winning pretty high price. Last

(02:04:00):
I don't make ten fifteen years becauselook at it this way, it starts
depending on somebody's age. I mean, I run fifty five is when it
kind of really allows to start fiftyfifty five, So that's about three and
a half percent, and every fiveyears it steps up half a percent.
So as like in their sixty sixtyfive, you're going to have five six
percent guaranteed every year. So atthe end, I mean, there's no

(02:04:21):
zero years if you will, there'sno flatline years, whereas the market side
you can get some stellar twenty percentthirty percent returns, but can also get
zero for a few years because themarket crash. So I will say the
guaranteed side, as of late,we've seen at that side page. Although
I'll tell you what, Jordan,I don't know if I'm disagreeing, but
the S and P has done phenomenalover the last five years. Oh I

(02:04:44):
know, I know. The nicething is they get the best of both
worlds, because no, you're right, yeah, and then and then the
bumper, the fifteen percent bonus thatyou get is that growing at the same
rate on top of your principle.Correct, you got it. Yep,
So that's that's growing in addition tothe five hundred thousand, Like you said,

(02:05:05):
there you'd have a okay, so, and that's actually your money.
You got it every year, youknow, truly growing in there. It's
there. Now they have what theycall like a ten year window where the
company doesn't want you to jump shipand go collect another bulley. So yeah,
you can't take your fifteen percent andsay in a month goodbye. Right,

(02:05:26):
you're right, I'd be out ofbusiness. I'd be doing the same
thing, right, I mean sTahiti right doing that. But but to
your point, yes, it isyour money. If you passed away,
the money goes to your client oryour loved ones. Actual they've been fisheries.
But it is factory in the growth. It's factory in the accumulation,
which is very different than someone whodid out there, and it's also factored
into your income. Right, yougot it. So all they ask with

(02:05:49):
the with the bonus is that youstay in a certain amount of time in
order for it to be fully vested. Correct. And again that's their way
of just like a jump in shitfor another company. But no, I
get it. It's an incentive.It's an incentive. Yeah, okay,
he stopped in five years, youget the fifty percent of that, so

(02:06:09):
and so forth. All right,we got more coming up. Three oh
three seven, one, three eight, two five five. John Fuller is
my personal injury expert, my accidentlawyer dot co. Now we use them
on the show all the time becausepeople calls have been injured. I need
to know what to do, what'smy next step? How do I not
step on myself? How do Inot ruin my case? And John is

(02:06:30):
used to answering these questions because hedoes it for clients all the time.
People call him and John, youknow, no matter how we look at
it, people want to get paidfor their injuries. That is the system
of justice we have in this country. If someone injures you, they pay
for your injuries. So the naturalquestion has to be how much is my

(02:06:53):
case worth? People want to know? Is there a way of knowing?
John? If they call you,you know, we can get pretty close
there, Tom. If I knowabout the injuries, I know about the
insurance that the other side has,and I have some idea of whether there's
going to be any issues with liability, we can get pretty darn close.
But sometimes we're wrong on the lowside. Sometimes we're able to discover additional

(02:07:16):
policies and additional coverage that can sometimesdouble triple or even quadruple our estimates because
we found additional coverage. So theonly safe way to find out is to
let us jump in with both feetand give it our best shot to get
the maximum recovery for you. Andthat's something that tends to get sharper and

(02:07:38):
sharper as the case goes on.And John, the good part is that
it doesn't cost anything for people tocall you to find this out. I
mean, you don't even make themsign up to find out. You just
give them your honest to goodness impression. Yeah. I mean that's the way
we do business. And we wantto make our clients and potential clients feel
comfortable that we know what we're talkingabout and we you know, we're easy

(02:08:01):
to get along with. We're goingto provide the necessary attention to to you
know, to focus on their case. Unlike some of these other firms that
have you know, a band ortwelve hundred clients, we don't. We're
able to focus on our cases andwhen we you know, when we sit
down and have those intake discussions,we go over all of these things,
whether you hire us or not.At the first sign of trouble, call

(02:08:22):
John and notice the difference because youwill talk to an attorney. You'll talk
to John and he has pledged totake only the number of cases he can
work personally, and he will evaluateyour case. So you're not talking to
some call center asking him what's mycase worth your talking to John three oh
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(02:08:45):
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(02:09:07):
are financial advisors as well, andtheir family owned and operated people you can
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(02:09:31):
thirty K Howe TI nom Martino,you're troubleshooter three O three seven one three
talk three O three seven one threeeight two five five. Let me go
to some uh texting that we haveand I don't understand this one. Do

(02:09:54):
Australians think? Did we talk aboutAustralians at all? Did anyone talk about
Australians. This is for me,It's not for anybody else on the station.
It says do Australians, it saysTom. Do Australians think Americans live
in the past or do Americans thinkAustralians live in the future. I'm going

(02:10:15):
to tell you what Americans think who'vebeen there. Australians live in the past.
That's a very, very very They'reway behind us, don't you think?
In everything Australia. I mean mostcountries are behind us. If you
ever go into a country where youfeel they're more advanced than us ever in
anything, technology, society, Idon't know. I can't think of any

(02:10:43):
really. I mean, there's onething you got to say about the melting
pot here. We really took thebest of all cultures. I mean we
really have. I mean, arewe still proud of America or not.
I mean I am. When Isay proud, I don't mean you know,
like proud We're going to be everyone'sass. I'm talking about it's a
good mixture. I mean, II like the diversity and all of that.

(02:11:05):
I like the culture's melding, andI like the uh, the advancements
we have. I think we're wayadvanced, way advanced, unless I'm missing
something. Let's see, maybe youknow Swiss watches. I mean, you
know, I'm not kidding, likelike what country can do anything truly better
than us? Now? Now I'mnot talking about you know, the fight

(02:11:30):
like wine making or you know,or or foods or certain dishes. I'm
talking about technology, vehicles, data, what else. I think. I
think my husband would have an argumentto pick with you because on what tomorrow,
he would sincerely move to Japan forwhat what what? For everything?

(02:11:52):
He loves it. He loves thetransportation. You know, you know,
friends pretty pretty advanced. But butthe transportation system just getting around in the
different trains and it's all clean.Everybody is very nice and they very they

(02:12:13):
kind of go at a cadence that'snot like us, where we don't I
know, I haven't been there,but I've talked to people. It's amazing.
I mean from what he's told me, I've never been there, but
he loves it. He would literallygo move there tomorrow, he would yep.
Now, I was told that they'repolite, but almost polite in an

(02:12:35):
impolite way, like they're putting upwith you. Well, there's a language
barrier there for not just a languagebarrier, but like Americans, they put
up with you and they're polite toyou, but they'd rather not have you
around. But even though they don'tactually say that, I don't think that's
true about the Japanese people because fromwhat my husband has described, so when

(02:12:58):
you go off of a train,there isn't this whole pushing and shoving and
okay, I got to get,you know, ahead of you, and
I have, you know, becauseif you go to the airport, you
get off the train at DA,it's like pushing and shoving, and in
Japan appear, I know, everybodyjust files out in a very orderly fashion

(02:13:20):
and everyone is polite about it andthey wait their turn, and you know,
there's not a whole lot of youknow, I have to get here
before you kind of thing. NoI know. Yeah. Yeah. Now,
by the way, speaking of placesto live other than the US,
I have had I actually just recentlyhad this discussion with some friends of mine.

(02:13:43):
Now we went to dinner, butthen before that, I had other
discussions on where people would most likelylive or where they like to live.
And there are a ton of Americanswho love Costa Rica. They say that's
a wonderful place to live. Andthere are a lot of Americans now moving

(02:14:05):
to Mexico remote parts I'm not talkingabout, you know, like the tourist
attractions. And uh, then Croatiawas one that came up. Thailand came
up. Where Americans would go andlive where they love living. Oh,
Puerto Rico, although that's kind ofAmerica, isn't it. But it's not.

(02:14:26):
But but I don't know. IfI had to pick a spot,
I really don't know what it wouldbe other than America. But your husband
would go to Japan. Huh wow, Hey, Jordan, where would you
go if you had to live outsidethe US or not? Hadst is like

(02:14:46):
Japan quite a bit, But Mexicoyou're asilarly that's something I've been hearing.
Oh well, yeah, well youhave roots in Mexico. You know your
your dad grew up there, andyou know he grew upward in Mexico City,
one of the biggest cities world.Yeah. And then honestly, uh,
you know as goofy and sounds,I'm the only one, one of

(02:15:07):
the few in the family don't speakSpanish. To that, that was really
how did you grow up without speakingSpanish? With Joe? Wow? I
know, I my my grandmother.Unfortunately, his mother had passed and and
everybody stops sick of Spanish. Wherethey got to my sister and myself,
and so I took five years inSpanish. Have you have you been to

(02:15:28):
his home? Have you been towhere he grew up? Did he show
you so? Yes? I had, Yeah, I got been there a
few times, especially when I wasyounger. Our our family that had lived
in there, don't live there anymoreunfortunately. But but I would say Mexico,
I wouldn't tell you live in thecity. I'd visit it, but
I would go on the outskirts forthe desplatories that you're talking about, like
cobblestone churches, you know, thebeautiful of water. Yeah, yeah,

(02:15:50):
yeah, So so can you explain, Jordan? I thought I did a
good job of doing it, butmaybe I didn't because someone just tech and
wants to know. You said,there's a guaranteed account, guaranteed return,
and then there's the index returns youcan get and then they compare and you
get the higher of the two.But so you never go to zero or

(02:16:13):
lower than zero ever. But I'dlike to know someone wants to you to
explain the participation rate on the index. Okay, so I thought I explained
it, but why don't you doit? Yeah, the participation is a
great term to be looking at onthese the best way to look at it.
And if I can just kind ofgive you an example. If you
look at like a four to onek regular four one k, you're typically

(02:16:37):
participating in one hundred percent and thatso if you have one hundred thousand,
you get a ten percent return.You know the math that you get ten
thousand dollars eating numbers right. Well, participation with these products, a lot
of them have higher participation, andthere are some manuities that go lower than
one hundred percent. But all thismeans is that if you earn in that
same equation, like one hundred thousand, and you earn ten percent in the

(02:17:01):
market with our products, there's somethat are two hundred and fifty percent participation,
which in that term will give youtwenty five thousand. So it just
means more weight on your earnings.The best way to look at it,
so you get, you don't get, you don't get all of it.
They share it with you, andthat's their incentive to keep making higher returns.
That would be more the cap inthe in the ceiling. But yes,
the participation just means that your moneyis participating on higher returns potentially or

(02:17:26):
you can never go lower. Butoh I thought the participation man that that
you participate up to a certain amount. No, no, no, good
point. Yeah, that's where thecaps are. That is the ceiling the
cap. Okay, then explain explainthe caps then, So caps just like
a house, you got a floorand a ceiling. So in our case,
our floor on the again account,Hey, the market side is that

(02:17:46):
zero percent. You can never golower than zero, go negative. But
the ceiling is where it's based offof those investment offs with allocations, so
a lot of them have maybe sixpercent or eight percent or ten percent or
even twenty. But that just meansto what you were saying if the market
returned ten and some of those allocationsare tapped at eight, well you're not

(02:18:07):
going anything higher than eight. Takethat spread that difference you will, all
right, Yeah, that's we're gettingthe weeds a little bit. But no,
no, no, no, ButI understand what you're saying it.
But I wanted to kind of knowthat. By the way, as far
as as far as the the difference, there's a cap rate, there's a
participation. By the way, uhthree ozho three seven one three talks on

(02:18:33):
number seven one three eight two fivefive. There is an interesting move going
on, and I don't know howthe market's going to respond to this.
I'm not talking to the stock market. I'm talking about the retail market or
the people making things dumb technology.They say, there is a there there
are a lot of people looking forolder technology, or dumb technology, as

(02:18:58):
they put it, TVs that aren'tso smart. Because what they say is
when they buy a TV and ithas like the smart hub on it,
they don't necessarily want that. Theywant to be able. They don't mind
putting a Google TV or a Rokuor something on it, but they would
rather have dumb stuff sometimes, orthey don't necessarily they're not interested in technology

(02:19:22):
they don't use and it being there, it's kind of cluttered to them.
And that goes for phones, cars, TVs. So there seems to be
a growing market, and believe itor not, among younger people. And
this was done by Morning Consult.I always talk about these places they do.

(02:19:45):
They do a lot of surveys andthey have found that now younger people
are not necessarily wanting every bell andwhistle, and even with a cell phone,
beyond texting and VID, they don'tnecessarily need a lot of the as
I say, bells and whistles.So I like dumb technology to a certain

(02:20:07):
extent, and I kind of Iunderstand what they're talking about when they say
that they don't want a lot ofstuff they don't use, or a lot
of bloat wear. But anyway,that's an interesting trend and I'm wondering if
the market's going to respond to that. Will we start seeing products with maybe
different levels of technology, you know, so you can get something that's dumb

(02:20:31):
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estate, think O'Brien Legal Services Olslawdot com seven two zero three seven zero
seventy three eighty eight. Tom Martinezhere three oh three seven to one to
three talk seven one three eight twofive five. You know what I found

(02:22:22):
shocking because I was looking up somescams. I was doing a post on
scams, and it's just that scamsare at an all time high. Of
course, a lot of that hasto do with technology. In fact,
most of it. Most of thescams are coming from technology. We used
to have scams, you know,like the mail order scams. We used
to have door to door scams.We used to have you know, things

(02:22:43):
like that. Okay, the drivewaypaving and all of that. We still
get that right. But most scams, most of them are online. Of
course, we have some phone scams. We still have the you know,
the grandson scam or the grand youknow where they grandchild scam where they say
Grandma, this is you know grandmaand then they say, is this you

(02:23:05):
tony as it is? You know, I got arrested or whatever. So
many of these go around, butmostly technology. And what I found really
weird is that with online shopping,this has floored me. Eighty six percent

(02:23:30):
of the victims are under sixty infact, a lot of them are eighteen
to forty five. Now wouldn't youthink, now, well, maybe the
younger people are more stupid. Butnow I'm not talking about because there are
more younger people online. I'm nottalking about that, and I'm talking about

(02:23:50):
of the people online, the majorityof people being ripped off or in the
age group, eighty six percent arebetween eighteen and fifty nine. Well,
maybe that's because you're saying, well, that's because older people don't go online.
But anyway, especially the younger,younger people eighteen to like thirty five.

(02:24:15):
Whereas business scams, business scams sixtyand above are more likely, there's
a little edge more. You getmore ripped off as you're older for business
scams. For investment scams, waymore likely to get ripped off, way

(02:24:37):
more likely to get ripped off undersixty in your thirties and forties investment scams.
Wow, Jordan, can you imaginethat? Now? Why do you
think people in their thirties and fortiesfall for investment scams? They're trying to
build wealth or something. I mean, that's actually pretty shock and that's statistic.

(02:25:00):
I'll be honest, I wouldn't havethought it was that I would have
thought older people might be subject tothat more, but may I would agree,
But maybe I do see that thougha lot more people, you know,
do you want to make money veryquick nowadays and you see always ad
on YouTube or social media is onyou know, drop shipping or anything that
you can think of in the Westand the wind that romance scams are younger

(02:25:22):
people, believe it or not.I thought that would have been older.
And when I say younger, Imean under sixty, and I mean predominantly
in that in that twenty Now we'retalking twenty five to fifty range, which
is a middle eight, well youngto middle aged. And then you have
tech support scams that is all olderpeople, almost all of them. I

(02:25:46):
have a story of one of myclients and I'll share it sometime with you,
and what is it or you know, I would never use names,
but it's been that exact scand thetech scams a Microsoft Sam. Did they
get on her computer with her?Yeah, it was I guess something to
deal with that. They already hadhad it downloaded on her computer. You
know, the expiration of her securityis coming up. They gave her the

(02:26:07):
number to call and this is theworst thing about Microsoft is their number is
nowhere really online the right number.It all goes to another country, of
course, and so you never knowwho you're talking to. But they got
her for twice. They got hertwice for over almost fifty k oh.
Oh god, I've tried. I'vehelped her so much to get letters written
to the people of the cutter cardcompanies, a heat luck loan she had.

(02:26:31):
And they all said, because youknow, they were on the phone
with her when she went into thebank asking for the stuff. They all
said, because her physically walking inthe bank, and even though the guy
was on the phone. So Idon't trust anyone there. Oh, because
later you said it earlier. Theyget they get scared, they get intimidated
by these guys, and they won'treturn much of her money because of all
that. It's just it's sad,as expected. Fake check scams and job

(02:26:54):
scams are younger people. Prize andsweepstakes lotteries are older people. People,
tech support scams, as we said, older people. A government and postors
are almost evenly split. Government andposts like the IRS scams and all of
that. But I was pretty uh, I was pretty surprised by some of

(02:27:16):
those statistics three zho three seven onethree eight two five five. If you
want a personal injury attorney to giveyou personal attention, you've heard John Fuller
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over your case and try to giveyou an idea of what it is worth.

(02:27:37):
You know, there are times whena case isn't worth a lot of
money. There are times when collectionwill be almost impossible. You don't have
the right insurance. They don't havethe right insurance. So he's going to
be honest and straightforward with you.But what I like about it is you'll
get to talk to him. Inmost cases you don't even get to talk
to an attorney. You go tosome intake counselors or committee or call center.

(02:28:00):
So John Fuller, if you wantthe lowdown on your case, what
is it worth, what are thechances of collecting? What do you think
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(02:29:11):
four two four four nine redrocksars dotcom. By the way, the numbers
of Democrats are mounting on who willnot attend the Yahoo speech to Congress.
I have a question and I shouldhave done this earlier. Feel free to

(02:29:35):
text me. I want to knowwhat Jew in their right mind, what
you in the right mind would voteDemocrat? They are absolutely abandoning Israel.
Just an observation I made. Iwant to give out Jordan's a contact info.
But I wanted to ask. Somebodyjust texted me, why did your

(02:29:58):
dad say he's got f fifty sevendifferent kinds of annuities fixed index he can
choose from. Why fifty seven thatdoes seem excessive? What does he mean?
Yeah, that's a very good question. So we have access and a
license to all those different companies.They're different companies and so reason being is
just like anything else. A lotof companies, a lot of products or
revolving doors. They are great whenyou buy it because your grandfathered in to

(02:30:22):
them, but they could change.Companies could be better next year that we're
not using right now. But thekey thing is just age. Some people
might want to take money now,one year, five years, ten years
from now. And that's why youneed to have different tools for different clients,
just to be able to fit theright company with the highest payout.
And that's what we do. Runanalysis for their age, their payout at

(02:30:43):
which top three company are going eventhe most? All right, thank you
very much. Now that's my moneyMyway dot com three all three seven,
seven nine sixty six hundred my moneymyway dot com. Thanks to it.
Hey, listen, people don't forget. You could call three all three Martino
anytime, day or night. Geton the list. We'll get you on

(02:31:03):
the air. Three O three sixtwo seven eight, four sixty six.
Spread it around, free health,three O three Martina