The Troubleshooter 7-29-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped up, you need advice, so you don't have.

Speaker 2 (00:12):
Come running.

Speaker 3 (00:13):
Just as fast as we can.

Speaker 4 (00:16):
Shooter's gonna help coming.

Speaker 5 (00:18):
Man Dix is the Troubleshooter Show now Tom Martino.

Speaker 1 (00:24):
Tom Martino here, welcome to the show Man. You think
I'd get tired of doing this after forty five years
and denver doing this, but I am not tired. I
love each and every day and I thank God for
the energy and health to do it. I have something
in common now with Lean Sanders. We both are cancer
survivors due to isolation and surgery. Isolation meaning it hadn't

(00:49):
spread my heart and prayers go out to him and
everyone everyone going through their cancer journey. Of course, we
all have our crosses to bear, as they say, so
I wanted to make something clear that I hadn't maybe
made so clear. But I have a text line. You

(01:10):
can text me for anything, for Wave eight wealth Management,
you can text me for the radio show, you can
text me for help. And I want to give that
number out seven four to seven nine fifty eighty and
that number comes to my personal cell phone. And I'm
a consumer advocate, as many of you know. If you're

(01:32):
just tuning in for more than well. For fifty years,
I've been helping consumers fight their battles basically free of charge.
To the help of sponsors. We've recovered hundreds of millions
of dollars over the years and cash, merchandise exchanges, refunds,
and services. So here's the bottom line. I want to

(01:56):
open up this text line for anyone who is going
through a cancer journey and wants to talk non medical stuff.
You can text me now what that means, and I've
gotten text I when you go through I don't want
to belabor this thing, but when you go through chemo,
You're gonna have a ton of questions because your body
goes through all kinds of stuff. And I'd love to

(02:17):
share some of the solutions I found and some of
the answers I've gotten. So if you're if you're going
through a difficult journey right now and you want someone
to converse with, I will find time for you, and
also text me there about the show of course seven four, seven, nine, nine, nine,
fifty two eighty. And that's it. So today we have

(02:38):
Susan in the studio with Marky Mark and I believe
Deputy Dollar, and then we have Joe piano, who is
uh with my moneymway dot com to talk about fixed
indextinuities and whatever you have on your mind. I want
you to call and UH, we'll help you. That's really
how the show works. We've been doing it for years.

(03:01):
So I want to start out by talking about something
that is I've heard about. What's really where? Do you
know what that word synchronicity means? This is how what
I feel. It means you hear about something once like new,

(03:21):
and then after that you hear about it all the time,
and you're thinking, I never heard of this before. So
yesterday for the very first time, I heard this expression,
and then today reading articles, I hear so much about it.
The expression is fa f o faffo. Now it's becoming

(03:46):
a parenting style, but for short, it means you know
the F word, f around and find out, Well, you
fool around? Okay, So so deputy Deputy D is being
I usually say, fool around and find out. So have
you used this expression before? Absolutely you have, So you

(04:09):
heard about it before. Oh yeah, there is even the
great a couple of really great videos. So this is
not new, but I just heard about it yesterday. Now
I'm hearing about it all the time.

Speaker 4 (04:19):
What five to ten years old?

Speaker 1 (04:21):
Well okay, well, the the the philosophy has been around
a long time, but the actual faffo hasn't.

Speaker 6 (04:29):
Right, Oh yeah, between five and ten years stop and
it's become an internet meme for at least five years now.

Speaker 7 (04:36):
It's me.

Speaker 4 (04:37):
I'm totally serious.

Speaker 8 (04:38):
Hey, Mark, Tommy snaps here quite yet, he'll be here
in just sus.

Speaker 7 (04:43):
Have you all?

Speaker 1 (04:44):
I asked you you're the parent. Well, I don't mean
the only parent. But and by the way, I want
everyone to say a prayer right now, I can talk
about that. Right. So it's about our wonderful little Addie.
I've watched her from birth. Literally, she is so dear
to me. She Mark and Sues's daughter. What a beautiful

(05:07):
young woman. She went to law school, became graduated at
a very young age. She accelerated high school, she did
law school, and has taken the bar today and tomorrow.
Is it a two day bar or is.

Speaker 8 (05:19):
It it is tom today, all day today and then tomorrow
as well.

Speaker 1 (05:25):
So our collective prayers for Addie and I'm so proud
of her. Yes, and you guys have done such a
wonderful job of parenting. Okay, I'm bringing up the studio
cam for those streaming sus. Have you heard of FAFO before?
In so many words, yes, I guess I have yet. Well,
but the okay, so it is a parenting thing. F

(05:47):
around and find out, meaning I'm going to let that happen,
and then it might hurt you. It might sting, it
might you know, you might get a bad experience. Do
you think I mean in a way, in a way
you can't teach sometimes consequences people have to experience that.

(06:07):
That's right.

Speaker 8 (06:08):
I'm a total believer in that, especially as kids get older,
into their teenage years. And I don't think personally, Tom,
controlling kids works. I'm not saying they should have the
run of the house at all. You know that about us?

Speaker 1 (06:23):
Well? Every Yeah, of course they have.

Speaker 8 (06:25):
To experience things and experience the consequences in order to
learn and to grow and to become more mature and
make better decisions in the future.

Speaker 1 (06:38):
Tom, That's just how I feel on that topic. I
want to talk about something. Have you a callers take priority?
Of course three h three Martino three oh three six
two seven eight four sixty six. And of course we
also have our guest, Sus, have you ever you and
Mark now, your kids seem to have morphed into wonderful

(07:00):
adults and are very smart. But have you ever thought
when and anyone listening, have you ever thought, God, how
am I going to teach my kids this? In other words,
everything I'm talking about insurance, I'm talking about things like banking,
things like moving money, electronic transfers. I'm talking about not

(07:22):
just finances.

Speaker 8 (07:22):
But credit scores, everything, everything in life.

Speaker 1 (07:26):
There's so much to keep track of, you know, Sus,
you do a wonderful job keeping track of stuff. I
do a great job on my computer, you know. In
other words, life for me is a series of checklists
and routines. But it's a daunting task. Like your children
have fourteen or babies, right and at eighteen they're adults.
That's just four years. And think about how much if

(07:50):
your kid went off on their own at eighteen or
even twenty or twenty one. There's so much they don't
know and until it comes up, even like filing taxes,
I mean something that small. There are so many things
that kids need to learn, and it's so to me.
It was overwhelming to think about, my God, how am
I going to teach them this. This is you can't

(08:10):
sit down in a classroom, so a lot of parents
do it as it comes up.

Speaker 9 (08:14):
Correct.

Speaker 8 (08:15):
Yes, that's exactly what we did, Tom, And you have
to keep talking, you have to keep repeating and okay,
so things.

Speaker 1 (08:21):
Come up it or not? So when things come up
like banking or just pick something insurance or what insurance?
How much? What do I need it for? What does
this or any anything sues anything? Did you when it
came up go step by step or just wait until
everything just in other words, let it happen naturally. Oh no,

(08:43):
we can.

Speaker 8 (08:43):
When it came up, like an issue with insurance for
our homeowners or something.

Speaker 1 (08:48):
We talked about it.

Speaker 8 (08:49):
We let the kids know, and Mark and I have
had the advantage of all these interesting problems coming in on.

Speaker 1 (08:55):
Our show here.

Speaker 8 (08:56):
Of course, that's right about those with our kids, just
bringing general conversations of what predicaments people find themselves in
when they don't educate themselves.

Speaker 1 (09:07):
I'm going to tell you what I've done about it,
but I want to talk to Lynn first. Lynn, Welcome
to the show. I'm Tom Martino. What is going on
with you?

Speaker 7 (09:15):
Lynn?

Speaker 3 (09:16):
Hey?

Speaker 10 (09:16):
Lynn?

Speaker 1 (09:17):
What's going on?

Speaker 11 (09:17):
I'm calling on behalf of my daughter and her husband
brand new giperubicon for her birthday in February.

Speaker 1 (09:26):
Oh my god, I love those rubicons. They're beautiful. What's
going on with it?

Speaker 11 (09:32):
Well, the chech engine light kept coming on, so within
the first twenty four hours that came on, she took
it into the shop. The first three months, it was
in the shop for forty five days.

Speaker 1 (09:43):
Wait a minute, no, no, no, no, no, wait a minute,
Wait a minute. Did they ever find out why the
light came on?

Speaker 11 (09:50):
No, they couldn't fix it, so they kept trying to
fix it. They kept taking it back and taking it back,
and then they had it for I don't even know, So.

Speaker 3 (09:58):
They didn't know.

Speaker 1 (09:59):
They didn't know why it was on. No, no, okay,
So where does this is?

Speaker 7 (10:06):
Not?

Speaker 1 (10:07):
Well, that's what a lot of people do first, it's
the easiest thing. But here's what I want to know.
Forty five days, did they give them a loaner?

Speaker 7 (10:17):
Yes?

Speaker 1 (10:19):
Okay, So where do we stand right now?

Speaker 11 (10:22):
She's just done with it now. The digital dashboard, the speed.

Speaker 7 (10:28):
Limit she has a recording.

Speaker 11 (10:29):
Of it is it keeps flipping like it'll flip uppet down.
It vibrates, so she has a recording of that. I said,
take it back in again. I said, you're just going
to have to keep taking it back in. But I
think that they need or help on where they should
go with this.

Speaker 1 (10:46):
So right now, how long has she owned it? How
long has she owned it since February? Okay? So what
does she want? A new one?

Speaker 11 (10:57):
She wants a different car, wants her money back, so
perfectly good Accura, and yeah, put a large down payment down.
She just wants her money back. She wants to get
a different vehicle. She wants something she can depend on.

Speaker 1 (11:13):
Now, what dealer is this? What dealer is this?

Speaker 12 (11:17):
Cheap deal I don't know the name.

Speaker 11 (11:18):
Cheap dealership in Castlerock.

Speaker 1 (11:20):
Okay, now listen, getting exchanging for a car? Lynn is it?
Let me just give you the straight up, direct, honest answer,
and that is she'd have to just trade it in
and buy a new one. But she wants special treatment
because she's gone through this hell. So hold on and
let's talk about that. I'm Tom Martino three O three

(11:42):
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(12:05):
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(12:28):
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You'll think you're his only customer when you choose Frank
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home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi. Okay, I'm Tom Martine. Welcome to

(12:52):
the show. You think i'd know when I'm back and
when I'm not. And anyway, Lynn has been talking about
this check engine life for her daughter, A new car
A new jeep. The engine light kept coming on. Dealers
trying to fix it. They've been forty five days without.
They still haven't found the problem. They're just sick and
tired of it. Now she's having another problem and she

(13:13):
just wants out. Deputy D did some research. Let me
pull him up here. Deputy D does some research on
the Lemon law. Of course, the Lemon law has changed
slightly over the years, but in essence, the Lemon law says,
if you have too many problems, you're entitled to a
new car, or excuse me, an exchange car, or a refund.
And there are certain circumstances. You know, how long you're

(13:34):
without the car, how many attempts they get. D What
does it talk about specifically, if she wants to like
exchange it, well so or give the whole rundown if
you want, however you want to do it.

Speaker 6 (13:45):
Dorado Lemon laws. So, as you know, there are two
kinds of Lemon laws. There's a federal one, which is
what we used to hearing about. But Colorado has, like
many states, has its own version of the Rmon law
that extends even greater protections to the consumer. Okay, federal
law or more Colorado law was significantly changed a couple
of years ago to make it even more favorable to

(14:05):
the consumer. And here's what it boils down to. Here
are the really important bullet points. So there are two
kinds of There are two kinds of limits on repair attempts.
There's a total of three failed repair attempts for something
like the check engine light, for example. But for safety
related repair attempts like the speedometer going hey wire while

(14:28):
she's driving, the limit was lowered or the trigger to
the trigger was lowered to two attempts. Furthermore, the total
number of business days out of service was lowered to
twenty four And it sounds like Lennis Waal So it used.

Speaker 1 (14:43):
To be thirty days is now twenty four days.

Speaker 4 (14:45):
Four business days qumotive not consecutive.

Speaker 1 (14:48):
So let's talk about this. Okay, what are the remedies though,
that's the thing, like she wants another car, the step
by step I need to do a step by step remedy.

Speaker 4 (14:59):
So there are remedies that are specified in the law.

Speaker 6 (15:01):
The two that Lynn might want to take a look
at is a full refund, which is the one that
I would look at, right because if Chrysler couldn't build
this brand new car correctly to begin with, how do
I know the exchange, which is also specified as your remedy,
how do I know that's going to get any better?

Speaker 4 (15:18):
So I would ask for a refund now, something that.

Speaker 1 (15:20):
Needs to keep us so in O, whres you feel
that's an easier path?

Speaker 12 (15:23):
Oh?

Speaker 4 (15:24):
Yeah, I mean I wouldn't.

Speaker 1 (15:25):
And then of course you're not going to get a
screw job on this trade.

Speaker 6 (15:28):
Yeah, I would definitely not trade it in right, I
definitely wouldn't keep it because if brand new, if this
brand new vehicle is acting up like this right now,
what's it going to be like in three years?

Speaker 4 (15:37):
Now?

Speaker 6 (15:38):
The consumer does need to pay for the use of
the vehicle. It says a reasonable rate, but it doesn't
specify what the reasonable rate is.

Speaker 4 (15:45):
But that sounds reasonable and it's.

Speaker 1 (15:47):
So so Lynn has she looked into the Lemon.

Speaker 11 (15:49):
Law started doing that. So we were looking to see
if we should contact it attorney and see.

Speaker 2 (15:56):
What their will is.

Speaker 1 (15:58):
Okay, here's what our advice is. We're going to call
first to see are you willing to exchange at that dealer? Again,
Dimitri says, the refund is better, but under the Lemon law.
It looks like you qualify and she should be able
to get something done. But remember a lot of people

(16:18):
have had settlements in the Lomon law. They're not completely
happy because they had to use pay for use of
the car and all of that. Remember Lynn, there, she's
not going to come out with one hundred percent of
what she invested. Do you understand that, right?

Speaker 11 (16:32):
I think she understands that. She just doesn't want to
be stuck with this car. Who knows what's going to
happen with it, what's going to go out next month?
She's got children, she carries her out.

Speaker 1 (16:42):
So has she ever thought about going to another Has
she ever thought about this? I've recommended this in the
past and it works. You go to another dealer and
say I've had nothing but trouble. It's under warranty. Can
you go through this and make sure it's great, it's
doing good, and then just switch dealers like and wait, wait,

(17:06):
and I'm saying we'll help you. But switching dealers sometimes
can make all the difference. Now, I know she soured
on this vehicle, but what if she found a dealership
that knows what the hell they're doing with a great
service department.

Speaker 4 (17:23):
Keep fine with that.

Speaker 1 (17:25):
What is the current problem right now she's battling.

Speaker 11 (17:29):
The current problem that I'm aware of was the dashboard
is now it vibrates, it flipped.

Speaker 1 (17:41):
It vibrates and does the display go hey wire?

Speaker 7 (17:46):
It does it like bounces up and down?

Speaker 1 (17:51):
Wow? Okay, this is crazy. Okay, here's what we're gonna do.
We're gonna take a multi prong approach. First, I'm gonna
have Deputy Dollar, who is in the studio, take this
and call the dealer and just say, you know, under
the Lemon Law, she's gonna probably be successful on a

(18:11):
refunder in exchange. Is there anything you're willing to do
for her without going through this because we do have
attorneys that can handle this, and by the way, we
do now, Lynn, here's the thing. At the same time,
I would look for another dealer. There are some really
good Jeep dealers, and I think you need to read

(18:34):
reviews and all of that about the service department and
pick another dealer to take it to. While we're doing
one thing. You do that. Let's come up with a plan.
But first let's start there. I'm going to assign this
to Deputy Dollar and thanks for calling. We're gonna we're gonna,
we're gonna take care of you. Lick three oh three

(18:55):
seven one three eight two five five. Mary, we're on
another hard thing here a car purchase. Hey Mary, what's
going on with you? What's happened to Mary?

Speaker 13 (19:06):
This is Mary. I live in Rust, Colorado, a one
stop like town, and I bought a car for a
special reason because my friend and I are going to
take my husband's ashes back to Bury and make my
own arrangements. I'm eighty eighty three.

Speaker 14 (19:24):
Now you're eighty.

Speaker 1 (19:25):
Three, You old far you old f You know what
I'm touching up to you?

Speaker 13 (19:29):
I am, yes, I am.

Speaker 1 (19:31):
Now let me ask you something. What kind of car
did you buy?

Speaker 13 (19:35):
It's an old car. It's an old source Tablac Toville.

Speaker 1 (19:40):
And now why did you buy that?

Speaker 13 (19:43):
That's the fun the funny part. The man who sold
it holds the car. Lam would tell me all this
car used to belong to a business partner of my
husband husband.

Speaker 1 (19:55):
How many what year is it? What year is it?

Speaker 13 (19:58):
It's an old four.

Speaker 1 (20:00):
An four okay? And how many miles were on it?

Speaker 13 (20:05):
I have no idea. I know I haven't much, Okay, Mary.

Speaker 1 (20:10):
Before you bought it, let me just ask you a
few questions. Did you have it checked out by anybody
before you bought it?

Speaker 13 (20:16):
I did not, and I do apologize that I totally
did it wrong.

Speaker 1 (20:22):
Okay, Well Mary, Mary, how much did you pay for
and what did you give me?

Speaker 15 (20:26):
The name of that dealer double AA B l abel okay,
and a listing price was thirty five hundred, about what
I wanted to spend to matter Wyoming my husband.

Speaker 1 (20:43):
Well, how much how much did you pay for it?
Did you say thirty five hundred?

Speaker 13 (20:48):
That put the price started out and then they said,
oh they did something bunch of gas stage or something
that added another five thousand I end up paying.

Speaker 1 (20:57):
Well, well, what did you pay a.

Speaker 13 (21:00):
Total thousand dollars for it?

Speaker 1 (21:02):
How much I need to know the Oh five thousand?

Speaker 4 (21:06):
So your total price was five thousand.

Speaker 1 (21:08):
Correct, Well that's not a terrible price.

Speaker 14 (21:12):
But yeah, I know.

Speaker 1 (21:15):
Tell me what you're calling? What are you calling about today? Mary?

Speaker 13 (21:18):
Okay, I've had the car five months now. I do
not have a title yet they cannot. I'm the title Okay.

Speaker 1 (21:28):
Now, if they the law says they must deliver title
within a reasonable amount of time or they have to
undo the deal. Now, my question to you is this Mary?
Do you want us to fight to get you a title?
Or do you want to return the car?

Speaker 13 (21:47):
I want them to come get the car comes out
and don't run anyway?

Speaker 1 (21:53):
Why doesn't it run?

Speaker 7 (21:55):
I will I have?

Speaker 13 (21:56):
I said, the grocery storm back and far it's going
strong of oil and.

Speaker 3 (22:02):
We need to get hold on a second.

Speaker 1 (22:06):
I want Deputy d to call over and say, look,
in five months, she doesn't have a title. You need
to undo this deal and let's get you out of it.
But Mary, the important Mary, the important question is this.
What have you been doing for a plate? Or have
you not been driving it?

Speaker 13 (22:25):
Did I go to the courthouse. I'll just give me
another stick, because everybody friends in our little community.

Speaker 1 (22:32):
What community did you say it is?

Speaker 13 (22:35):
I'm in more than county, but everybody knows everybody in
the little town I live in.

Speaker 14 (22:41):
I went to the.

Speaker 13 (22:41):
Said, heyst's run out of time and put another one on.

Speaker 15 (22:46):
Where is this?

Speaker 1 (22:47):
Where is this dealer located in marsh and where in brush?
In brush? Okay, listen, we're going to help you at
least get figure out what the heck is going on.
Hold on on a second? Okay, three O three seven
to one, three talk you gotta call them seven one
three eight two five five. By the way, fix it

(23:08):
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Speaker 3 (23:29):
You don't pay a cent until you're content.

Speaker 1 (23:33):
Please time for an insurance check up free, no obligation
comparison call Compass Insurance. Paying too much your coverage at
dozens of insurance companies find out now three oh three
seven seven to one. Help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hey, I'm

(23:59):
Tom mar Gino, your trouble shooter. Three oh three seven
one three eight two five five. By the way, Deputy
Bo said I could talk about this. He went to
Dan McKenzie for his estate plan. He loves McKenzie law.
He said they are so attentive face to face, person
to person meetings. He's getting all his stuff settled, and

(24:21):
he's using McKenzie. McKenzie can do wills, they can do trusts,
they can do LLC's which survive you and death, and
if you have it with your kids, it's like a
poor man's trust. It's a great idea in some cases.
But if you want to find out more, McKenzie will
do a free initial consultation A three three co plans

(24:42):
eight three three co plans or the website coplans dot
c O. Okay, so thanks for that endorsement. Bow he
said he loves them. Matt has a question for Joe.
Joe Cano's in with us and Joe of course his

(25:04):
product right now primarily well, he has two. He has
overfunding life insurance on Purpose, which builds a cash account
and grows tax deferred, and if you want, he can
show you, of course, how to pull it out tax free.
He also sells fixed index annuities, which is a product

(25:24):
that gives you a guaranteed base amount plus guaranteed returns
plus no loss on returns or base and then an
income rider which gives you income when it's annuitized. And
again these are guaranteed products guaranteed by the corporations that

(25:45):
have been around more than one hundred years. Matt, what
is your question for Joe Piano?

Speaker 16 (25:51):
I'm going to sell a lintel and I want to
put two hundred thousand into a anuity. How much would
I make?

Speaker 2 (26:00):
Mon?

Speaker 1 (26:01):
Well, first of all, I want to ask you a question.
How old are you right now? Matt?

Speaker 16 (26:05):
Sixty five?

Speaker 1 (26:07):
Okay? And when do you want to start receiving income immediately? Okay?
What do they call that, Joe? Deputy Doc did it
where he takes a lump sum he annuitizes it immediately.
Is there a name for that, Joe.

Speaker 10 (26:23):
It is Tom you know. It's called the immediate annuityity.

Speaker 1 (26:29):
So basically, basically, you take this two hundred grand or
however much you have, and what happens tell us the process, Joe.

Speaker 10 (26:36):
It begins to anuitize thirty days after. That means that
as soon as the money's transferred into the account of
the annuity account, the immediate annuity thirty days later, they
will get a paycheck for the rest of their lives.
And if they want to have an inflation benefit, just
like Deputy Doc, you know, they can actually put the

(26:56):
inflation benefit into the annuity that will increase at the
same rate of inflation.

Speaker 1 (27:03):
Yes, okay, Now, Matt, can I ask something else? Do
you have any other savings or investments?

Speaker 2 (27:12):
Yes?

Speaker 1 (27:14):
Good. The reason I say that is I believe in diversification,
and I wouldn't want well, I shouldn't say this. I
was gonna say, I wouldn't want you to have only
an annuity. But sometimes when you're in retirement, really it
doesn't matter. I mean, in fact, you may want that
to rest on, not to worry about it. You don't
have to babysit it. You don't have to move money around.

(27:36):
Once it's there, it's there. So let's just talk about this. Joe.
Is it possible to have Jordan or someone work up
a figure on two hundred grand annuitized immediately for a
sixty five year old person?

Speaker 2 (27:49):
Well?

Speaker 10 (27:49):
Absolutely, so let me have your age again.

Speaker 1 (27:52):
Sixty five, I think, he said when I.

Speaker 16 (27:56):
By the time I started drawing it, I'll be sixty six.

Speaker 10 (27:59):
Okay, But you're sixty five right now, right.

Speaker 16 (28:01):
Right now, I'm sixty five, okay, So.

Speaker 10 (28:03):
Let me work the figures here in a few moments.
Can we give you Can I give a call back?

Speaker 1 (28:08):
Or what we'll do is we'll have him come back
on the air.

Speaker 10 (28:11):
Okay, perfect, and.

Speaker 1 (28:14):
Let's have Kaschina get his number. Matt. We're gonna work
up some numbers I love. I love examples like this,
and we'll do that. Three zero three seven one three
eight two five five after the break. Jeannette, by the way,
as an issue with a warranty. She's been working with
Deputy Doc. And when I say a break, it really
isn't a break because the Troubleshooter Show embraces the sponsorships

(28:39):
as part of the show because they're all part of
what we talk about, and you don't get to be
a sponsor here unless I approve. Now, there are some
national spots that might play, but I want you to
know that the commercials are every bit as important, every
bit as important as everything we do. Coming up, we'll
tell you about QC Colorado and Fix It twenty four

(29:01):
to seven. So so stay tuned for more of The
Troubleshooter Show. To enhance your life and finances, go with
a sure thing Denver's Best roofer Excel roofing dot com.

Speaker 3 (29:15):
You don't pay a cent until you're content.

Speaker 1 (29:20):
Time for an insurance checkup, free, no obligation, comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies. Find out now three oh three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martine here,

(29:46):
Welcome to the show. So Matt called up and said,
I'm sixty five. I'm going to sell a piece of
property and I'm gonna come up with two hundred grand
and I want to do an an annuity, but I
want to start getting income right away. Can you work
up some figures? Now, obviously you know this was done

(30:09):
quickly on the phone, but but this is going to
be pretty damn close. So Joe Kiano is with us
my Moneymway dot com. Joe, what did you come up
with for this for Matt?

Speaker 10 (30:21):
Yes, Tom, you know, Matt, we can that annuity could
provide you with one thirty three dollars and fifty four
cents each and every month for the rest of your life.
Then it has a two percent inflation benefit, so every
year that amount will grow by two percent for that.

Speaker 1 (30:39):
Rest of and then what about long term care? Does
I have a writer for that or not? On this one?

Speaker 10 (30:43):
This one does not have a writer or long term care.

Speaker 1 (30:46):
Okay, now, Matt, think about that. If you're getting Social Security,
think about getting an extra thousand and eighty bucks. I mean,
you know, now people always ask question, well, you know,
what about it? If I just draw out the money?
I mean, first of all, if you have that, you

(31:07):
know in some cases, in some cases, you know, maybe
you can draw money out not run out, but in
most cases you're going to run out. But do you
have any follow up questions? For Joe?

Speaker 16 (31:23):
Not really just a question about the long term care?
Is there a cap on the amount of money they
have to pay or the time limit?

Speaker 10 (31:36):
Yeah, there's no long term care on this annuity, Matt.

Speaker 16 (31:39):
I know, I know, but I'm just saying I've heard
you you're before.

Speaker 1 (31:45):
But no, no, I understand He's saying, in the event
he has long term care, what are some of the
terms and conditions Joe in general?

Speaker 10 (31:53):
In general? But you have I mean, if you don't
have long term care insurance, Matt, then you know the
nicking would be to qualify for Medicaid. And Medicaid. You
have to be really, really poor and only have two thousand.

Speaker 1 (32:07):
But let's talk about like when it comes to long
term care with an annuity with a rider, is it
a monthly check he gets or or does it? What happens?
Does he still get the annuity payment? How does it work?

Speaker 10 (32:20):
Absolutely so, on the annuity long term care benefit, the
company will double your payment. Like if this annuity offered
long term care benefits you, you would actually get two
thousand dollars a month for the rest of your.

Speaker 16 (32:34):
Life until you're alive, as long as you're alive.

Speaker 10 (32:39):
Yes, that is right.

Speaker 2 (32:41):
And then.

Speaker 1 (32:43):
Matt after you die. If you die while under this, well,
if you get the annuity and die, then your estate
gets the balance. Is that right, Joe?

Speaker 10 (32:54):
That is right? Or you can choose some beneficiary if
you have a spouse or a child, you know, you
know the whole account value. We'll go to them.

Speaker 16 (33:04):
Whatever left that there was either on the mount or
time limit.

Speaker 10 (33:10):
But there isn't, No, there is not.

Speaker 1 (33:14):
Now I did the math, and if you just took
out money at the same amount, it would last you
about fifteen and a half years. So really, if you
think about it, if you're sixty five. That takes you
to age eighty and nowadays people can live well past
eighty and so you do have the benefit of a

(33:37):
guarantee there. Thanks for calling. We appreciate that. Mat of course.
My money Myway dot com is Joe's website. And Jeanette
she was working with Deputy Doc. I think about two
months ago she had an issue with a warranty. Jeanette,
what are you calling about today?

Speaker 17 (34:00):
Let me call you the latest?

Speaker 1 (34:04):
Is this the one? I mean? Okay, never mind, I'll
find I'll find your call. Just keep going. This is
with Deputy Doc. Right, and was this? Ok why don't
you go ahead and I'll find your call? Go ahead you.

Speaker 17 (34:18):
Neette, I did talk to you first, and then.

Speaker 14 (34:21):
Doc write me back.

Speaker 1 (34:23):
Right.

Speaker 14 (34:24):
Yeah.

Speaker 17 (34:25):
It was the discount Tyron Auto Repair in Bubble, Colorado. Okay, October,
early October. I had taken my car. It hasn't even
been a year. October twenty twenty five. I've been dealing
with them and not really.

Speaker 1 (34:41):
Driving the park. Its sending me up all the time, like.

Speaker 17 (34:43):
Are you the latest? May twenty second, all the bluets
came out. I had a tiny chain.

Speaker 1 (34:51):
Of water pump. Wait wait, so so have you has
Deputy Doc been working with you? I yes, he has.
All right, let's get him on Kachina and we'll bring
you right back. Hang on, Jeanette, I'm Tom Martino. Stick
around for more. Go with a sure thing Denver's best

(35:12):
roofer Excel Roofing dot com.

Speaker 3 (35:14):
You don't pay a cent until you're content.

Speaker 1 (35:20):
Time for an insurance check up free, no obligation comparison
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 16 (35:45):
Rift need so you don't have the.

Speaker 6 (35:53):
Ruinous as we can shoot us gonna help come Man.

Speaker 5 (36:00):
Six is the Troubleshooter Show No Tom Martino.

Speaker 1 (36:05):
Hey, I'm Tom Martino, and I welcome you to the show.
This hour brought to you by renew Home Innovations dot com.
For the most beautiful walkin showers with porcelain walls if
you want them. Porcelain sheets that are beautiful and require
no maintenance. What I love about renew home Innovations dot com.
They concentrate it, they can do it in two or

(36:27):
three days, and you have months and months to pay
with no interest. Renew home Innovations dot Com three O
three nine, zer A four to two thousand. I'm troubleshooter
Tom Martino, consumer advocate for fifty years forty five in Denver,
fighting for you. This show is the longest running radio
show with the current same hosts still on the air,
and thank god I'm still here. So we've been taking calls,

(36:50):
and we invite your calls all the time, twenty four
to seven and we'll call you back at three oh
three Martino three oh three, six, two seven, eight, four
sixty six. Now Jeannette called in about her warranty issue.
We can't get a hold of deputy doc who worked
on this. Is that right? Uh? Kaschina?

Speaker 18 (37:10):
I love to do and I also texted him, so
hopefully he'll get back to me.

Speaker 1 (37:15):
So I'm just going to really just take this from
scratch and let her tell her story real quick. It's
not because I can't find her original call. Hey, we
got a great database here. Maybe Mark took the call.
He he may may have. But let me just look here, Jeanette,
not look here, but let's just hear your story. Well, basically,
just just give me a real a quick recap.

Speaker 17 (37:37):
Okay, let me just tell you the latest that happened
May twenty second. Uh, all the fluid during off, Well,
let me tell you this I've had with this mechanic.
I had a timing chain, about a timing chain.

Speaker 1 (37:56):
Water? No, is this a let me get this straight
and give me for asking this, but let's just get
right to it. Now. When did you buy this car?
Did you buy it new or used?

Speaker 17 (38:07):
No, my son gave it to me, and it's a
two thousand and eight Ford Edge and it does have
a lot of Okay, that's why timing change because I
want to do drive it a little more.

Speaker 1 (38:17):
Got it? Got it? So you Okay? So your son
gave you a two thousand and eight Ford Edge and
then you took it to a mechanic to have a
timing chain.

Speaker 17 (38:28):
No, I took it to get an alternator. That was
back in October. Then it started acting up again and
that's when they did the timing chain and did the
water pomp and all that.

Speaker 1 (38:41):
Okay, Now, did you take it to the same mechanic
for all that.

Speaker 17 (38:44):
Stuff I did and I'm sorry I did.

Speaker 1 (38:49):
Okay, now, and you spent a lot of money on
this stuff. If you did a timing, an alternator and
all that, what did you spend total with this mechanic?

Speaker 17 (39:00):
Well over over with labor and parts and all that.
Over five thousand dollars?

Speaker 1 (39:07):
Oh my god, over five grand. Yeah, I'm okay.

Speaker 17 (39:12):
So I really don't have anybody, and you know that
was a stupid thing.

Speaker 1 (39:16):
And this is well, that's why we want to help you. Now.
Are you to spend more than five grand, you should
get some good results. So now I suspect you first
called us because the repairs or the maintenance were not
done properly.

Speaker 17 (39:34):
Yeah, they're not accountable for they're wrong. I go, why
I just bought this wind show?

Speaker 1 (39:39):
It's cracked?

Speaker 17 (39:40):
After I want to go get After they put the timing, Jane,
and everything in, and the air conditioner worked, everything worked,
you know, everything, and then nothing was working. Last the
air conditioner didn't work anything, like they disconnected it, like
they didn't know what.

Speaker 7 (39:57):
They were doing.

Speaker 1 (39:59):
Okay, just look be like, you know, where does it
stand today? Jeanette? What are you calling about? Today.

Speaker 17 (40:06):
Okay, then it's under warrant. She so the twenty second
of May, I was taking my sister to the store
and all the anegrees are the coolant sell out of
the or it came out of boiled out.

Speaker 1 (40:23):
Okay? Is that the only fluid that came out? You
said all the fluids, but you're saying just the coolant
came out. Yes, and how did you notice that? Tell
me how you notice it? We did it overheat?

Speaker 14 (40:38):
Yes, it was.

Speaker 17 (40:39):
Smoking, and then I opened it up and waited to
cool it off. And then I called the mechanic guy
and his name is Paul, that does and he goes, okay,
what so why did you let me ask you this?

Speaker 1 (40:55):
Let me ask you this. Why are you connecting the
May twenty second overheating with this mechanic? Tell me why
you're blaming this mechanic Because.

Speaker 17 (41:07):
He did the timing chain, it's under warrants. He did
the water pump, he did all that.

Speaker 7 (41:12):
It should be okay, the water.

Speaker 1 (41:14):
Pump would be connected. Possibly, So you're saying that this
overheating is their fault.

Speaker 17 (41:23):
I would say it's all all relevant there in that area.

Speaker 1 (41:28):
Now. Jeanette, Jeanette, what we need to do. Is this Okay,
we need to figure out where does you where's your
car right now?

Speaker 17 (41:36):
Well, it's not not working now it's here. And I
had a friend to back, not a friend, but he
got a tow truck.

Speaker 1 (41:47):
And okay, does this does this original mechanic Will this
original mechanic do anything for you right now?

Speaker 17 (41:56):
No, he doesn't want nothing to do with it.

Speaker 7 (41:58):
Now.

Speaker 1 (42:00):
Okay, here's what you need to do, Jeanette. Can I
tell you, Janette, here's what we need to do. Jeanette.
You need to help You need to let me help you. Okay.
We need to do one step at a time. We
need to get your car over to share it an
auto tech and have them analyze this to find out
exactly the status of the car. That's what we need

(42:23):
to do. We know and trust them instead of going
back to the same guy. Let's just find out what's
wrong with the car right now. I want Kachina to
arrange this with Kevin. See if you can get your
toed over there, and let's just find out what is
wrong with it right now. Let's make a list and

(42:43):
see if it's under warranty. You keep mentioning a warranty,
What do you mean by a warranty, do you mean
when the mechanic did the work, the mechanic warrantied the work. Yeah, okay,
but it may not be as much as it's. Sounds
like he did a lot of work and he did
work on the water pump. It sounds connected. Maybe it is,

(43:06):
maybe it isn't. So what we need to do is
get this thing looked at. So Kachina, let's arrange this.
I mean, we really need eyes on it that we
can trust. And Jeanette, it's just something you're gonna have
to do. We can't take this case on your hunch
that it was the original mechanic. We need something to

(43:28):
go on. Okay, thank you very much. Deputy Chopper is
on with a couple follow ups. Chopper, you're gonna have
to help me find the original calls. Let's take one
at a time. This divorce case, who was it? Sir?

Speaker 19 (43:42):
He called us and he said his name was Jeff Okay.

Speaker 1 (43:48):
And is this twenty five years of marriage stile for
divorce In June he was he went to counseling. Counselor
recommended that he call a victim's a get because he
was being abused. He filed charges for domestic violence. The
police investigated, and the wife ch did some counter charges

(44:10):
against him. They now have charges against each other. He
filed a restraining order and got it and it was
turned into a permanent one. He got to stay in
the house with the children. She left the house. What
do you have to follow up here, sir?

Speaker 19 (44:27):
Well, I interviewed him and got his real name, which
is neither here nor there, and found out that what
he really wanted was for the it's not a company,
for the people called Project Safeguard to just call him back.
He's been ghosted and he couldn't get a call back.

(44:48):
So I contacted Projects Safeguard and they kind of hid
under the hippo law and wouldn't say anything. But I
could read between the words that they were telling me
that they were going to make contact with him.

Speaker 1 (45:03):
No.

Speaker 19 (45:04):
Sooner than I hung up from that, he sent an
email to me saying Project Safeguard just called me.

Speaker 1 (45:13):
Everything's good. What is Project Safeguard chopper.

Speaker 19 (45:19):
A victim's advocate type in Adams County, Okay?

Speaker 1 (45:25):
So he's as good at least right now? Okay, then
what about your Camping World update?

Speaker 19 (45:31):
Well, this one here, I think we really need to
do your thing to him, Tom, and I called, Oh,
I actually wrote a couple of emails. This is Bob
who has a Jacob camper in Camping World.

Speaker 1 (45:48):
Remember he had a screw that was too long? Wait
wait wait, I remember that. What was his name?

Speaker 2 (45:53):
Bob?

Speaker 1 (45:54):
That's all? He has a real long, weird last name.
And when did he call in?

Speaker 12 (46:00):
Uh?

Speaker 1 (46:00):
La't know? I got it. I got it. It was
a twenty twenty jco and he said it was basically
poor quality. What was his major complaint? Uh? That they
still have it?

Speaker 2 (46:14):
Uh?

Speaker 1 (46:14):
He brought it in on April fourteenth. Where did he
this was a used one. Did he buy it from
them or just took it there for service?

Speaker 19 (46:22):
He bought it from Longmont Camping World, but it's in
Colorado Springs Camping World because it went bad on his
way down to Trinidad.

Speaker 1 (46:32):
Okay, And what did you find out? Well? I wrote
a letter to uh.

Speaker 19 (46:39):
The owner of Camping World because that's how he has
it in Google.

Speaker 1 (46:43):
And I said, hey, what's going on talking about? Wasn't
this part? Wasn't this on the show The Prophet one time?
He took it over?

Speaker 2 (46:49):
Yeah?

Speaker 19 (46:50):
But you caught me with not thinking of his last name,
the leamir can Ibro.

Speaker 4 (46:56):
Greg.

Speaker 1 (46:57):
Yeah, so what what where does the stand right now? Well?

Speaker 19 (47:00):
It stands right now is Camping World basically got real
snotty with me. They don't talk to me because it's
a third party. They their manager, Mark said, we're working
diligently on it. However, they're not getting back to Bob
at all, no matter what it's like. They don't care.

(47:24):
I would get a yellow light.

Speaker 1 (47:26):
I know this guy, the prophet said he was going
to change this company around. But I swear to God,
we get so many complaints about Camping World. So the
manager of Colorado Springs camping World is the one who
we're focusing on right now, right right, and what's do
you know?

Speaker 3 (47:44):
What?

Speaker 1 (47:44):
Do you know what his name is?

Speaker 19 (47:46):
I'm trying to get it off my Oh, I'll get
it here in a second.

Speaker 1 (47:49):
Oh here, hold on, I'm going to put you on hold.
What I want is a name and number of the guy,
the Colorado Springs manager. I want to do what you said,
my thing, which is the Mark Marauders. I want to
simply let him know, Tom I have the name. Okay, okay,
it's who is it?

Speaker 19 (48:08):
Clark of Camping World and he is just unresponsive.

Speaker 1 (48:13):
Right, do you have his phone number?

Speaker 19 (48:16):
It's seven one nine three nine one six seven two zero.

Speaker 1 (48:24):
And now a word to my epities out there. I
don't want you being vulgar. I don't want you being mean.
I don't want you to be abusive. Here's what I
truly believe. Stores, companies, businesses, services are all looking for feedback.

(48:45):
How many times have you used a service and you
get emailed over and over and over and over? How
is your experience? Can you leave a review? What I believe.
I believe these live reviews are very important to these businesses,
and even though they're shocked at first by the amount

(49:06):
of calls they get, they are I believe, happy to
hear it. And what I would like you to do
is say, look, we are calling because we heard you
on the Tom Martino Show and you were very inattentive
to this consumer's issue with his twenty twenty jco RV.

(49:29):
We simply want you to know we heard about you.
That's all. Tell them, and then tell them you're not
likely to use Camping World with these kinds of calls.
Please do it. I call it a live review. If
you get the guy, The more the better. If you
don't get him, leave it on his voicemail. This is
Matt Clark, the manager of Colorado Springs, and we're going

(49:53):
to do this Camping World a service by leaving live feedback.
Here's the number seven one nine three nine one sixty
seven twenty seven one nine three nine one sixty seven
to twenty and please let me know by text or

(50:17):
by message on YouTube or whatever what response you got.
Please one of my morons or a couple of them,
or all of them, why don't you do it right
now and then let me know on the message stream
on the chat what kind of response you get Matt Clark,
manager of Colorado Springs Camping World, What would you say
as biggest fault? Did you actually talk to him Chopper?

Speaker 19 (50:39):
No, he he just said there were in diligent lyon it.
And let me tell you just one other quick thing
about Camping World. I asked to be put to the
manager's voicemail, and the woman kind of laughed and.

Speaker 1 (50:52):
Says that ain't going to happen.

Speaker 19 (50:54):
So, I mean, they don't know anything about customer service
in my humble opinion.

Speaker 1 (51:00):
So basically Bob has not heard from them, that's correct.
And how long has it been there?

Speaker 19 (51:06):
It's been there since April fourteenth and all he wants
it back for Labor Day.

Speaker 1 (51:12):
Yeah, so that's Matt Clark. Please, we heard about you
on the Tom Martino Show. You should really really get
back to this consumer one way or another and let
him know where he stands. And here's Matth's number again
seven to one nine three nine one sixty seven twenty

(51:33):
Then let me know. Please let me know what you
heard from them. Okay, I'm Tom Martino. Go with a
sure thing Denver's best roofer Excel roofing dot com.

Speaker 3 (51:48):
You don't pay a cent until you're content, Wait.

Speaker 1 (51:53):
Time for an insurance check up free, no obligation in comparison,
call Compass Insurance paying too much your coverage as of
insurance companies find out now three all three seven to
seven to one. Help you'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two. Hey, I'm Tom Martino.

(52:18):
So my YouTube more reminded me that the owner of
camping World was LUs Marcus Lamonas and you know he
tried to turn it around, but man, we get a
lot of complaints. Miles, what is your comment on Camping World, Well, we.

Speaker 2 (52:36):
Kind of had a similar problem. We ordered an awning
room and it took him nine.

Speaker 7 (52:43):
Months to get it, and.

Speaker 2 (52:43):
They kept saying, oh, we're wheting on parts or wheting
on parts. And my wife dnfo Tenasius. She went on
to linked In and went to the owners as the
guy you just mentioned, sent him an email and explain
this wish and he got back within a few hours,

(53:04):
and miraculously our part came in two days later.

Speaker 1 (53:09):
You know, Miles, thank you for that. You know that
Marcus guy I hear, actually answers his email, So I
appreciate that. Jay, you have an update. I asked people
to do live reviews by phone for Camping World. Again.
When I do this, it really does work if you
do it the right way. Again, I never want people

(53:31):
to be vulgar or threatening or you know nothing. We're
not doing that kind of crap. We're just saying, hey,
we heard about you on the Tom Martino Show. We're
concerned and we'll consider whether to use or not. Jay,
you called what happened.

Speaker 20 (53:46):
Okay, the perceptionist told me, Matt is no longer there.

Speaker 1 (53:51):
You mean like gone, like gone gone.

Speaker 20 (53:54):
Gone, does not work there any longer. And that Scott hushing,
because now the GM con there so different.

Speaker 1 (54:03):
Thank you for that now, so so Scott Hutchins, right.

Speaker 20 (54:11):
It sounded like hushing, but I don't have the greatest
s heears.

Speaker 1 (54:17):
Okay, thank you very much. By the way, I know
you're a regular, and we appreciate the follow up. Hey,
you might want a chopper. Try the new manager.

Speaker 19 (54:28):
I will Tom that was there as of Thursday. He
was called actually the regional fix operations director.

Speaker 1 (54:38):
Okay, and so a new manager we're told, took over.
So I want you to call. I'll follow up see
what happens. Thank you appreciate that. See. Now we have
Joe Kianna with us my Money, Myway dot Com and
I do have a few text questions and Joe, somebody

(55:03):
wants to know the ideal candidate for a fixed indextinuity. Again,
you know, I have my own opinions on this, Joe
has his opinions. I recommend everyone do their own research.
But let's get Joe's opinion on this. A fixed indextinuity
is a lump sum you put away, or you put
away over time and it becomes a lump sum. You

(55:24):
annuitize it, which creates income for you, which is guaranteed.
The return is guaranteed. Any money you make is guaranteed
not to lose, but to only ratchet up and then
it turns into income. So, Joe, what would you say
the ideal candidate would be the ideal candidate.

Speaker 10 (55:41):
Well, the ideal candidate to me, Tom would be somebody
that doesn't want to lose any money. People don't want
to lose what they work so hard all their lives attaining.
They want to keep it safe, they want to make
it grow with the volatility of the stock market. Here's
the thing. People are afraid of losing their money, and

(56:04):
the ideal person would actually benefit from having a guaranteed
income for the rest of their lives at retirement. Right now,
we have several clients to them that are actually having
this income stream coming in and they're so thankful. They're
so thankful that they don't have to worry about where
the next paycheck is going to come from after they retire.

(56:27):
This will last as long as they will. And then
somebody that may be concerned about long term care as
well as an ideal person because the annuity has a
built in benefit that would actually help with the astronomical
expense of long term care.

Speaker 1 (56:43):
Okay, And by the way, Joe, when we talk about
the guarantees now, technically and again, the sec and all
the securities people allow us in the investing world to
use the term guaranteed when it's guaranteed by the government
or by private corporations. And again, one guy called in

(57:05):
and he texted me just now again, please explain the
guarantee so it's backed up by the strength of the company.
But Joe, I don't think we've had failures for paying annuities.
Have we ever had failures?

Speaker 10 (57:19):
You know what I think in my fifty years, just
like you, Tom, I've been doing this for fifty years.
You know, I can tell you right now that they
could have been maybe like maybe two or three companies
that had financial difficulties. However, though, this is what happens
if a company seven financial difficulties, the state comes in,

(57:40):
the insurance department comes in, It takes over the company,
basically runs the company until they find another company to
merge the company with. And one of the conditions of
a merger has to be that all the promises that
were made to the consumer will be kept.

Speaker 1 (57:57):
But let's talk about the normal run of the mill
that you have been dealing with over the years. How
long have they been in business? The ones that guarantee this.

Speaker 10 (58:05):
We all the companies that we have, they're over one
hundred years old.

Speaker 1 (58:09):
Think about that. They're triple A rate of companies. And
the companies you are, the companies you represent, triple A rated,
some of them over one hundred years old with never
financial difficulties, never, never. So somebody else wants to know, well,
I'll do it after the break. There's another question on investments,

(58:30):
and we'll talk about that coming up. I'm Tom martine
Go with a sure thing Denver's best roofer Excel Roofing
dot com.

Speaker 3 (58:43):
You don't pay a cent until you're content.

Speaker 1 (58:49):
Time for an insurance checkup free no obligation comparison call
Compass insurance paying too much your coverage at dozens of
insurance companies find out now three oh three, seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the Real Estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two. Okay, Tom Martino

(59:13):
here passed the word about the Troubleshooter show. Deputy D
has some follow ups. Let's well, first and foremost, she
talked about abel is able double A yeah.

Speaker 4 (59:24):
Yeah, yeah A double A up and brush.

Speaker 1 (59:28):
A double a b l E auto in brush. And
the bottom line was she she called earlier today. She
she's eighty three, bought up on old two thousand and
four Caddie Deville and she bought it from Abel. And
she said she bought it for five grand and had

(59:53):
five months and no title. And I said, that's grounds
forgetting this whole thing red refund. If they can't provide title,
they can't enforce this deal. And she would like that actually,
but what's going on with that? Brother Tom? So?

Speaker 6 (01:00:09):
I spoke with the owner of Abel, A gentleman by
the name of Guy who's a really sharp, very engaged
and just a.

Speaker 4 (01:00:16):
Very forthcoming man.

Speaker 1 (01:00:18):
Good good.

Speaker 6 (01:00:18):
So he said he heard about this. He said, let's
dig into this title thing. I want to know what happened.
So he put me on speakerphone while he called a
lady that takes care of his paperwork.

Speaker 4 (01:00:28):
They've been working together for over fifty years.

Speaker 1 (01:00:30):
This is really nice that somebody was that attentive.

Speaker 6 (01:00:33):
Absolutely, I insisted on giving him my numbers I can
call me back, because I didn't want him to feel
like I put him on the spot. And he insisted
on me listening to the entire process in the interests
of transparency and at work. So he called the lady
and she said, and I have no reason not to
believe them. Both of these people just sounded like very honest,

(01:00:54):
normal regular people. And she said that our caller Mary
had actually lost the title that they sent to her
original But as it happens, just yesterday the lady that
works for Guy dropped off the paperwork, adds ZMV to
order a replacement title, like you know, what do they

(01:01:15):
call it a secondary or a.

Speaker 1 (01:01:16):
Copy or whatever?

Speaker 4 (01:01:17):
Yeah, title, whatever that is. So then Guy says, well.

Speaker 6 (01:01:23):
That you know now that that has been settled, and
now that we know the replacement title is on the way.
Guy actually brought up the fact that the car hasn't
been running well and unfortunately Mary.

Speaker 4 (01:01:34):
Has been taking it to outside mechanics.

Speaker 6 (01:01:36):
And the reason that's significant is Guy has an in
house mechanic, and Mary has never brought the car back
to them to take a look at it to see
what they could do to repair it. And so he
is very, very very interested in getting that car back,
getting his own mechanic to take a look at it
and see what, if anything, can be done to fix it.

Speaker 4 (01:01:58):
And I believe he got Guy at able.

Speaker 6 (01:02:00):
Auto is one hundred percent sincere in his intent to
help Mary out, and he understands that she's you know,
she's getting up there in years. She's alone now, and
you know, during that call, I kind of felt like
she's a little bit lost.

Speaker 4 (01:02:15):
And I think that, But.

Speaker 1 (01:02:17):
Here's the thing. You have a good gut and you
feel like this guy, Yeah, the dealers is not that
bad now.

Speaker 4 (01:02:23):
I think.

Speaker 6 (01:02:23):
I think if I were in Brush and I needed
the used car of able Auto would be the first place.

Speaker 1 (01:02:28):
Okay, Man, that's that's a really good endorsement.

Speaker 6 (01:02:30):
By the way, Tom, they have stirling Google reviews, and
I believe it was over ninety of them, and they're
very highly rated.

Speaker 4 (01:02:37):
And I can see why.

Speaker 6 (01:02:39):
I mean, guy is super transparent about this whole thing,
and man, he just hopes that Mary will return so
they can take a look at her car again.

Speaker 1 (01:02:46):
All right, bro, thank you and let's go to Crystal
now on the air, Crystal, what's going on with you? Trysteal?

Speaker 7 (01:02:55):
Oh?

Speaker 21 (01:02:55):
I was just calling. My husband and I and our
two kiddos checked into a hotel in keistone last Friday.
We were going to a concert in Dylan and the
youngest and I were going to a movie. Checked in.
We were there maybe fifteen ish minutes to change some
clothes and drop some items in the room, and we
came back after we were done with our activities around
ten pm at night. Our room keys when at work,

(01:03:17):
and then other people in our room. There were two
drunk adult mills in our room, basically in their underwear,
who answered the room door and said it was their room,
even though we pointed out our things were in there.
And then the hotel What.

Speaker 1 (01:03:32):
Did they do with your things? The two drunk guys?
What's up when you found these two adult men in
your room? What had they done with your stuff?

Speaker 21 (01:03:43):
Thankfully they did not mess with anything. They're like, yeah,
we saw your stuff, but we didn't touch it and
go in and get our items.

Speaker 1 (01:03:52):
Well, were they sleeping that you woke them up? They
were in their underwear, all right, So what they're okay?
You know, things like this can happen. So what I
want to know is what happened to you? What did
you do?

Speaker 21 (01:04:07):
We went back up to the front desk and spoke
to the individual at the front desk, who is also
the same person who checked us in earlier in the
day and gave us the room keys. He said, I
don't know what happens. I think the hotel must have
triple booked. I don't know what to do. I'm going
to call my manager. Tried calling, said he tried calling
the manager a couple times and couldn't get a hold

(01:04:29):
of anyone. Gave us a number. We tried calling as well,
left a message, didn't get a hold of anyone, so
we were stranded and ended up passing to drive the
nearly two hours back.

Speaker 1 (01:04:39):
Wait a minute, Wait a minute, So they never did
They never did get you a room.

Speaker 21 (01:04:45):
They did not, and they said they couldn't give us
a refunds because the manager wasn't there to approve it.

Speaker 1 (01:04:50):
Wait a minute, Wait a minute. Did you since get
a refund?

Speaker 21 (01:04:55):
Nope? That's my problem. I've been calling every single day
and the voicemail boxes full we can't get any return calls.

Speaker 1 (01:05:03):
What's the name of this place?

Speaker 21 (01:05:06):
Three Peaks Lodge?

Speaker 1 (01:05:08):
Three Peaks Lodge? And they how much did you pay them?

Speaker 21 (01:05:14):
It was one hundred and seventy eight.

Speaker 1 (01:05:16):
Dollars and you never got it back.

Speaker 21 (01:05:21):
Nope.

Speaker 1 (01:05:24):
So when you call there, you can't even talk to anyone.

Speaker 21 (01:05:30):
We were able to talk to a lady at the
front desk when we called Saturday morning, and she explained
that the person had given us the wrong keys. We
were supposed to be in a completely different room, and
that she would have a manager.

Speaker 1 (01:05:44):
Well, are they saying wait, are so? Are they saying they?
Are they? Here's what I need to know right now,
since that's all water under the bridge. Are they acknowledging
they owe you a refund? Or are they saying you
left and you shouldn't have left? Where do they stand?

Speaker 21 (01:06:01):
They haven't. The front desk lady said, I'm sure you
should be doing a reef on that up to my manager.
And so apparently the manager has been out of town.

Speaker 1 (01:06:10):
Okay, now, and when did this original booking take place?

Speaker 21 (01:06:18):
It was just Friday.

Speaker 1 (01:06:20):
It was booked probably in July. Yes, it was earlier
this month. Yes, Okay, listen have you thought about just
contesting it on your credit card.

Speaker 21 (01:06:38):
Yes, we've done that as well.

Speaker 1 (01:06:40):
Excellent, that's gonna be well, they're gonna they're gonna take
it off. There's no way you're gonna be charged for
this unless they say unless they say, well, we had
another room for her and she left. I doubt they're
going to go through all of that. Do you want
us to call now or should we wait to see
what happens with the credit card? I would be inclined

(01:07:01):
to just wait and then you call us back and
I'll mark this down and then when you when you
call back, if you use it, by the way, use
the same name, Uh, Crystal, and I will. But but
let's do that and then we'll have somebody call for you.
But right now, I want to see where it stands.
You definitely need a refund, you know, Look it happens now.

(01:07:26):
And then we had I had it happen one time
where I checked into a place in Florida, and uh,
in the middle of the night, some people enter the room. Yeah,
we had, and so I woke up to see someone
standing over my bed, and uh, it was an older guy.
I didn't feel that threatened. It was really an older
guy compared to me at the time. And I said, well,

(01:07:49):
and by the way, thanks for calling, and so I
I said, hey, what's going on? And then it was
a double booking. So he just left, I mean, and
we toll the front desk and it you know, things
like that happened. We got more coming right up on
the Troubleshooter Show. Go with a sure Thing Denver's Best
Roofer Excel Roofing dot com.

Speaker 3 (01:08:10):
You don't pay a cent until you're content.

Speaker 1 (01:08:15):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hey Tom Martino here

(01:08:41):
three O three seven one three eight two five five Debora,
what's going on in your life? Debrah? What's happening a lot?

Speaker 7 (01:08:48):
I am getting discriminated against. You're taking money from me,
my son, my son's nig Kim with Lee Burn Sabruy.
He works Turney and their regulations.

Speaker 1 (01:08:59):
Nobody will, Deborah. We have to start at We have
to start at the beginning, okay. And and then I
want to help you. Okay, when did your when? What
are we talking about? You're saying you need some legal advice.
What are we talking about? Okay? But for what I
need to know? Really, in a very simple way, what

(01:09:19):
do you need it for? You need legal help for what.

Speaker 7 (01:09:25):
Going on in Cheyenne?

Speaker 12 (01:09:26):
Lone here?

Speaker 4 (01:09:26):
Okay?

Speaker 1 (01:09:27):
Where is the corruption? Where's the cry in Cheyenne? Okay? Okay?
And and this corruption that's affecting you? Is that right?

Speaker 7 (01:09:36):
They're doing it to us?

Speaker 1 (01:09:38):
Okay? Hold on now, Okay, we have somewhere to start.
Hold on and I'll come right back to you, she says,
this corruption going on in Cheyenne against her. We'll figure
this out right after this. I'm Tom Martine. Go with
a sure thing Denver's best roofer Excel roofing dot com.
You don't pay a cent until you're content you leave

(01:10:00):
on time for an insurance check up free, no obligation.
In comparison, call compass insurance. Pay too much your coverage
at dozens of insurance companies find out now three oh
three seven to seven to one help. You'll think you're
his only customer when you choose Frank durand the real
estate Man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two, ripped, deleted.

Speaker 7 (01:10:32):
Who you don't have to.

Speaker 1 (01:10:35):
Come?

Speaker 7 (01:10:35):
Run in stas as we can show.

Speaker 4 (01:10:39):
Shooter's gonna help come.

Speaker 5 (01:10:41):
Man six is the Troubleshooter Show. No Tom Martine, Hi
Tom Martino here. Hey, if you're tuning in, you're gonna
love it.

Speaker 1 (01:10:51):
We solve problems, ask questions, to take complaints, to the
everyday things that make you tick, the things that tick
you off. I've been saying that for many years. The
longest running radio show with the same host still on
the air. And by the way, you can look me
up at Tom Martino dot com and find out all
about us and then referrals dot com. That is for

(01:11:13):
dependable people that you can trust. Sleezebrigade dot com are
people that are just terrible. And we've had multipple multiple
complaints about so Debra's calling the show and she said,
I quote, there's corruption going on in Cheyenne against her.
So Deborah, as you understand, we have to take this

(01:11:35):
one step at a time. What do you mean there
is corruption in Cheyenne against you? Explain this to.

Speaker 7 (01:11:42):
Me, please, I've been trying to get help from this government,
law enforcement.

Speaker 1 (01:11:48):
You are trying to get help or you're trying to
get help for what.

Speaker 20 (01:11:53):
Center doing it?

Speaker 7 (01:11:54):
They saw the e rep money from us during COVID.

Speaker 1 (01:11:57):
Okay, Deborah, Yeah, yeah, okay, Debra. I understand there is
a lot going on, but we can't just let you ramble.
We need to parse this out one step at a time.
When did the corruption start against you?

Speaker 7 (01:12:18):
Oh? When doctor Cheryl Fuh let me go? I did
do not wrong her. I haven't haven't seen any Okay.

Speaker 1 (01:12:24):
What doctor are you taught? Were you under the care
of a doctor?

Speaker 7 (01:12:28):
Yes? And so was my mom and my son the
same doctor.

Speaker 1 (01:12:31):
Okay? And what were you Why were you under the
doctor's care?

Speaker 7 (01:12:37):
I have degenats of disk and joint disease. My body
hurns them every day. And she didn't let me go.

Speaker 1 (01:12:46):
I don't know where no, Okay, So the doctor, the
doctor let you go. And then what happened?

Speaker 7 (01:12:53):
She didn't tell me she let me go? She did it?

Speaker 2 (01:12:56):
Uh?

Speaker 7 (01:12:57):
Illegally. My mom uh son a letter at the prudent
and they left the doctor's office. I had to take
them there.

Speaker 1 (01:13:03):
The doctor let you go and then okay, so you
feel it was a doctor can let you go under
certain circumstances. Was this your primary care doctor?

Speaker 2 (01:13:15):
Yes?

Speaker 7 (01:13:16):
Yes, and so it was my son's and he was.

Speaker 1 (01:13:19):
Like go right after my mom r okay, So after
the doctor. I want to take this one step at
a time. After the doctor let you go, what else happened?

Speaker 14 (01:13:31):
Oh?

Speaker 7 (01:13:31):
I got arrested for nothing?

Speaker 1 (01:13:33):
I want to Okay, you got arrested for nothing? What
do they say? It was?

Speaker 7 (01:13:37):
For give it a girl?

Speaker 1 (01:13:40):
Ride home?

Speaker 7 (01:13:41):
And then Stirl put something in my seat. Her back
pack had drugs and stuff, empty baggs white.

Speaker 1 (01:13:47):
So you were arrested for possession?

Speaker 7 (01:13:51):
Yeah. I had to to the cobs and said, it
turns o mine to your possession.

Speaker 1 (01:13:55):
Okay. What happened to that charge for possession?

Speaker 7 (01:14:00):
Done to misdemeanor?

Speaker 3 (01:14:01):
I'm not did you plead it out?

Speaker 1 (01:14:03):
What happened to it? Where is it right now?

Speaker 7 (01:14:06):
It's all we're gone? Was and they put me on
drug testing day and they were doing okay after that?

Speaker 1 (01:14:12):
After okay, so number one, your doctor let you go.
Number two, you were arrested for possession? What was number three?

Speaker 7 (01:14:20):
Number three? My son and my mom were being targeted too,
begets the soul rights now we wanted to help us.

Speaker 1 (01:14:28):
How were they targeted?

Speaker 7 (01:14:31):
Fight being turned away?

Speaker 1 (01:14:33):
They went turned away for what? What were they trying
to get? Where they were turned away?

Speaker 7 (01:14:40):
Did legal help somebody to stop this stuff? Great?

Speaker 1 (01:14:45):
To stop what stuff? What were yours mom and son
trying to stop?

Speaker 7 (01:14:50):
We were all trying to stop. My mom's inheritance were
stolen from when? During Colorado?

Speaker 1 (01:14:56):
Okay, your mom's inheritance was stolen by who?

Speaker 7 (01:15:01):
Brian lamont AND's family. He married my sister. My sister
never okay.

Speaker 1 (01:15:06):
Married Deborah married Deborah? I need to ask you something.
Have you ever and I asked this of everyone, have
you ever been diagnosed with mental illness? No?

Speaker 7 (01:15:17):
I'm not mentally ill. I have panica jack severity, believe me,
I do. I have a heart goal hurt.

Speaker 1 (01:15:25):
How much? How much was your mom going to inherit? Oh?

Speaker 7 (01:15:30):
Lots, property, everything, everything and from who?

Speaker 1 (01:15:35):
From who?

Speaker 7 (01:15:37):
Herd father my great grandfather, David Smith John's and he
died before and they put.

Speaker 1 (01:15:43):
So wait, so your mom's from your mom's father. She
was supposed to inherit and somebody stole it.

Speaker 7 (01:15:51):
Yep, and they were taking her disability for thirteen years
and deposited and many of this Minnesota, Bengal, wal Fargo.

Speaker 1 (01:15:58):
Okay for that, Deborah, this is I'm not I'm going
to be really honest with you. I'm not sure we
can help you. There's just too much going on. I
don't know if we can help you or not. So
first you have the doctor. Second, you have the arrest
for possession. That's over with. Then you have your mom's

(01:16:19):
inheritance stolen, and then you have the harricane.

Speaker 7 (01:16:23):
First, that's how I went first. And then the crumbed
landlord's here taking all of the money from us. William
Lewis and Cardwell bankresh swear to God candle of fifty
thousand dollars from these people. And it was to be
give me my son out Administrader. That was Moldy all
the party in the major orderly got So.

Speaker 1 (01:16:41):
Now you have a landlord issue. And the landlord did
what stole money during COVID.

Speaker 7 (01:16:47):
Yes, and he thinks that you got it. It was
he called me, goes, I heard your road in President
of the United States. I said, yeah, I did.

Speaker 1 (01:16:53):
Okay, I can't Deborah. Deborah, where do you stand right now?
Here's what I need to know right now? Where are
you your mom and son living?

Speaker 7 (01:17:06):
I'm shy. I know my mom died twenty twenty January
of it. So your mom died, yes, never to give
up much.

Speaker 1 (01:17:15):
So where are you living? Where are you and your
son living? Right now?

Speaker 17 (01:17:20):
Oh?

Speaker 7 (01:17:20):
Cmaran Village and Shyan Walming?

Speaker 1 (01:17:22):
And how are you paying your rent?

Speaker 7 (01:17:25):
My disability? My son's working at Safeway, but he got
kimik Byrne recently and they're not doing that about that?

Speaker 1 (01:17:32):
Okay? Do you understand, Deborah? Do you understand that every
single thing in your life, every single thing in your life,
people have done you wrong. Do you understand that? No?

Speaker 7 (01:17:43):
Just recently since COVID, I'm sure, and I found out
about my mom, I can't believe me.

Speaker 1 (01:17:48):
Okay, sure, But here's what I'm going to give you advice.
I'm going to give you advice to move on. What
do you want right now?

Speaker 7 (01:17:55):
Legal help? Please?

Speaker 1 (01:17:57):
But for what your umber, Deborah? For what?

Speaker 7 (01:18:01):
I don't care about the charging.

Speaker 1 (01:18:03):
What do you care about right now? If an attorney,
if you were talking to an attorney right now, what
would you tell the attorney you need help with. I
want to get this.

Speaker 7 (01:18:15):
Discrimination has gone and people drudging me, and I haven't
done any hurt anybody.

Speaker 1 (01:18:20):
I never Deborah, What if you let me just ask
you something. What if you got up tomorrow and simply
started living this day forward and forgot about the past.
Can you do that?

Speaker 7 (01:18:33):
I'm trying my best. It's hard to forget my mind.
Probably I never forget my mom my life.

Speaker 1 (01:18:38):
Deborah, Deborah, you need listen. I'm being honest with you
right now. No one has this many problems ever. Okay,
here's what I think you're happy. Here's what I think
is happening. I think you're suffering from some mental illness.
I think I think you need to step out of

(01:18:59):
the past and tomorrow begin a new life and just
live with your son, collect your disability, and enjoy life.
I'm telling you the God's honest truth from my heart
to go back and I mean this, just forget about
the past. If you did that from tomorrow forward, do

(01:19:19):
you know how much you can enjoy You know how
much you can enjoy life.

Speaker 7 (01:19:25):
I do know that.

Speaker 2 (01:19:26):
I do know.

Speaker 7 (01:19:27):
I want to see into Okay, can I need to
help my son and workman's Comf're acting like nothing happen
the negligence of disorder rector at the time.

Speaker 1 (01:19:36):
Now your son was your son injured on the job?

Speaker 7 (01:19:41):
Yes, yes, the union member and union Okay.

Speaker 1 (01:19:46):
Again, every single thing, everything, a single thing your life
touches is a disaster. Your son needs to call listen
your put her on hold. Your son needs to call
a worker's comp attorney. You're not you your son, and

(01:20:08):
if he can't get an attorney to represent him, that
means he doesn't have a good case. Okay. I don't
know what else to tell you people. I don't want
to make fun of her, but you've listened to my
show a lot of you long enough, and this is

(01:20:28):
I need a name for this kind of caller. I'm
honest to God, I'm not making fun where everything Drew
is one of them as well. Okay, you've heard Drew
calling everything in their life everything is a disaster. Everything,
everyone is against them. Everything in their life is a disaster.

(01:20:50):
People are lying to them, people are cheating them, money
is stolen. There's corruption. The police are against her, the
judges are against her. Attorneys won't take cases. I don't
know what starts this slippy slidey slope downhill, but at

(01:21:10):
some point, for those listening, if you're not too mentally ill,
honest to God, you have to at some point forget
the past and start living your life and enjoying life.

Speaker 8 (01:21:26):
You have to.

Speaker 1 (01:21:29):
Deborah is obviously, obviously, in my opinion, mentally ill. Now
she's not going to look at it that way, but
anyone who is in the mode of collecting injustice, they
overlook everything in their life that's a blessing, and they
collect these injustices, every single injustice she piles together as

(01:21:52):
if it's one big plot. It is absolutely impossible for
this all to be true. She is a forever victim.
As somebody online said, and I truly mean this. I
mean this, At some point, when everything in your life

(01:22:13):
goes wrong, there is no solution. You have to then
get away from all.

Speaker 7 (01:22:19):
Of that.

Speaker 1 (01:22:22):
And you have to truly move forward in your life.
Just get up the next day and everything from that
day before, forget about and start living your life. Sometimes
there is injustice, sometimes it's perceived, sometimes it's real. Sometimes
it's a little bit of both. Now I can't help

(01:22:45):
you other than to tell you to move on. And
I'm sorry, but this is truth. This is truth. Three
oh three seven one three talk seven one three eight
two five five Go with a sure thing Denver's best
roofer Excel Roofing dot com.

Speaker 3 (01:23:05):
You don't pay a cent until you're content.

Speaker 1 (01:23:11):
Time for an insurance checkup free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hey, I'm Tom Martino.

(01:23:36):
You're a troubleshooter three oh three seven to one three
talk or three oh three Martino twenty four to seven.
Sus you have a question for Jordan from my Moneymway
dot com.

Speaker 3 (01:23:46):
I do, Tom.

Speaker 8 (01:23:46):
The email says this at thirty one years old, investing
twenty thousand.

Speaker 1 (01:23:50):
Dollars even how much? At sixty five years old?

Speaker 2 (01:23:54):
I was that for?

Speaker 1 (01:23:55):
So just a twenty thousand dollars lump sum?

Speaker 9 (01:23:58):
Interesting?

Speaker 22 (01:23:59):
Yeah, wonderful. So we got these numbers ran during the break.
Here we're talking about that thirty one year old for
twenty thousand. By the age of sixty five, that money
is going to be ten times more. It's gonna be
worth two hundred and fifteen thousand, which is basically one
thousand dollars a month for the rest of.

Speaker 1 (01:24:14):
His life if he turns that income on. So that's
a twenty thousand dollars lump sum now and nothing added.
And that's over how many years that's going to be.

Speaker 22 (01:24:26):
From thirty one to sixty five, So we're looking at
thirty four years.

Speaker 1 (01:24:31):
So the question to ask, as everyone asked, this is
a guaranteed product, and it's a guaranteed income and guaranteed
not to lose. So this is where I talk about portfolios,
and I believe there is room in a lot of
portfolios for this product and other products. And to be

(01:24:52):
totally transparent, My portfolio has an annuity in it. I'm
a purchaser of a fixed indexed annuity. I also have
other products. Again, it's good to diversify if you can.
If you can only afford one, then you have to

(01:25:13):
decide is this what I want? Do I want to
do this and be guaranteed this or do I think
I can do better elsewhere? That comes with risks, Thank you, Jordan. Yvonne,
you have an issue with a nursing home. What is
going on with you, Yvonne?

Speaker 14 (01:25:28):
I have several issues?

Speaker 1 (01:25:30):
Okay, I want to take okay, hold on, Yvonne. When
we start with several, we have to take one at
a time. So what is the main issue you're calling about?

Speaker 14 (01:25:41):
The person that claims shesus oct her last name is
m a A.

Speaker 1 (01:25:48):
Okay, I don't need that right now, Yvonne?

Speaker 17 (01:25:50):
Are you?

Speaker 1 (01:25:50):
Is this you or someone you know? And love me?

Speaker 14 (01:25:54):
And when are my friends here?

Speaker 20 (01:25:56):
I be here for you?

Speaker 6 (01:25:57):
Are you?

Speaker 1 (01:25:57):
So you are in a nursing home right?

Speaker 7 (01:26:00):
Yes?

Speaker 1 (01:26:01):
And you say there's someone there masquerading as a doctor. Yes,
what do you mean by that? Does she actually call
herself a doctor? Yes? She is? And is she a
staff member? Oh?

Speaker 23 (01:26:16):
Yes, she is a staff members?

Speaker 1 (01:26:18):
How do you know she is? And what kind of
a doctor does she say? She is?

Speaker 7 (01:26:23):
Uh?

Speaker 14 (01:26:23):
Medical doctor? Pp?

Speaker 1 (01:26:27):
And you're saying she is not?

Speaker 14 (01:26:30):
No, I know she's not, remember.

Speaker 1 (01:26:34):
Ahead, No, No, you literally know for sure she is lying?

Speaker 7 (01:26:40):
Yes?

Speaker 1 (01:26:42):
Did you bring this up to them?

Speaker 14 (01:26:44):
I brought it up to one of our executives.

Speaker 1 (01:26:48):
Now, what does she do as a doctor.

Speaker 14 (01:26:51):
She diagnoses people, she gives he prescriptions, she canceled.

Speaker 9 (01:26:58):
Uh practitioner maybe.

Speaker 14 (01:27:02):
Uh No, she's not a nurse practicianer, she's nothing at all.
I don't know how she did they hire thirteen years ago.
I've been here three years. She's been my doctor. The
most recent thing she's done she orders zyprexa, which I
did used to take. She said, my psychias is giving

(01:27:25):
her information to do it. Doctor Smith was my psychiatrist.
I don't take any Uh psych Smith, sheyprexa.

Speaker 1 (01:27:36):
Zyprexa is an antipsychotic and an antidepressant. It's a very
it's a very safe drug, and it's it's a difference.
Now I get it, Okay, okay, go ahead. And it
also helps people sleep. But but I'm really concerned on
this person masquerading as a doctor. Where does she say

(01:27:57):
she is a doctor? Is it in literature?

Speaker 7 (01:28:01):
No? Right?

Speaker 14 (01:28:01):
Here is the sinner. She diagnoses people, she prescribes medications.

Speaker 1 (01:28:11):
She she When you brought it up to the management
of the nursing home, what do they say?

Speaker 23 (01:28:18):
They're working on it.

Speaker 14 (01:28:19):
But it's in two weeks now. My husband gave me
your number. He says, you guys will get things going.

Speaker 1 (01:28:26):
Yes, we need to look into this. This is why
I'm not giving the name of the nursing home right now.
I want to do it off the air. Very good, Now,
this is serious. But again again, does she call herself doctor? Yes,

(01:28:47):
call her doctor like other employees call her doctor.

Speaker 14 (01:28:51):
Everyone here does. I don't anymore, have absolutely no respect
for her.

Speaker 1 (01:28:56):
Did you ever talk?

Speaker 24 (01:28:57):
We get her name, we can simply look up and
see if she's a doctor, but don't say it on air.

Speaker 14 (01:29:02):
Do you know she is not all?

Speaker 1 (01:29:06):
No, we we do off the air. How do you
know she is not a doctor?

Speaker 14 (01:29:12):
She never had medical tream?

Speaker 1 (01:29:14):
How do you know? How do you know?

Speaker 14 (01:29:18):
Feen years ago, my daughter and r M herson, this
same woman was giving her LPN certificate. She didn't get it.
The person I'm talking.

Speaker 1 (01:29:29):
About, Okay, let's put her on hold and get some details.
Who should we give this to work on? Deputy doctor?

Speaker 24 (01:29:38):
Have Kelly give or I'm sorry, just to ever give
Kelly the person's full name and I can have deputy doctor.

Speaker 9 (01:29:44):
If deputy docts listening, he'll be able to figure it out.

Speaker 1 (01:29:48):
Yeah, let's figure out if she's a doctor or not.
This is very very interesting, very interesting. I mean, if
someone masquerades as a doctor, that's a serious, serious.

Speaker 24 (01:30:01):
On a limb, and say it's a doctor, or a
nurse practitioner or a PA, a physician's assistant. They can
do all of that too. So yeah, this is important
to know. Three three seven one, three eight two.

Speaker 1 (01:30:18):
Five five And I have a text here, Jordan, someone
says if they put away that money at an early age,
like this young gentleman called in about what if they
need a lump sum later on and that's the only
money they have, what would happen? Do they have to

(01:30:40):
extinguish the annuity? Let's say after five years they have
a need for cash. Now I would assume, as I said,
you know, people, you don't take your last dollar and
buy an annuity. But let's just say that happens. What
would they do? What can they withdraw without ruining the annuity? Yeah,

(01:31:01):
great question.

Speaker 22 (01:31:01):
You know, just as you mentioned, I mean, especially at
that age, you don't want to put every dollar into this.
But for this example that we're talking about, you have
what they call a ten percent penalty free withdrawal, which
means you could take up to ten percent of whatever
the account value is at any given point, and if
somebody need to take more than that or cash out,

(01:31:22):
then it's just based off of where that that annuity's
sitting at. They have what they call surrender penalties, and
at that point, you know, you're probably looking at maybe
six percent or seven percent of what you would lose
off the account balance, because again, remind you, you're getting
a seventeen percent bonus on these accounts.

Speaker 24 (01:31:38):
So, but it would be crazy if that's all the
money you have and you might need to liquidate, it'd
be insane to get an annuity.

Speaker 1 (01:31:43):
You got it.

Speaker 9 (01:31:44):
You make it part like Tom said, you make it
part part of your retirement.

Speaker 1 (01:31:48):
That's right. You know, here's what I don't like about
people who do planning for people. They go all in
on one thing or they you know, it's like nothing
is suitable for everyone all the time. It's just common
sense for goodness sakes, that's really what it is. But again,
you know, people always ask me do I have one? Yes?

(01:32:10):
I do, Yes, I absolutely do. There's a certain amount
of my portfolio that I have for it for safety
and income. There's another part of my portfolio where I
want to invest in other products. And again when it
gets down to age and goals and you know objectives,
everyone is different. All right, We have more coming up

(01:32:33):
on the Troubleshooter Show. I want to tell you about
Frank Duran the real Estate Man, because I love this guy.
And Frank Duran will do a market evaluation of your
home to tell you what it will sell for in
these conditions. He takes into consideration supplying demand, the neighborhood,
the house, the comparables, the interest rates, whatever it takes

(01:32:54):
to give you an accurate idea of what your house
will sell for. And it's under no obligation whatsoever to
ever list with him. Frank Duran the real Estate Man
dot com. Go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay a cent until

(01:33:15):
you're content. Time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three oh three,
seven seven to one help. You'll think you're his only
customer when you choose Frank Duran the real Estate Man
dot com to list your home with Remax Alliance three

(01:33:37):
oh three nine two zero sixteen twenty two. Hi Tom
Martina here three O three seven one three talks seven
one three eight two five five. Hey, fafo. We talked
about faffo. A lot of people are texting me saying, yeah,
I heard about this long time ago. Maybe it wasn't
called faffo, but it was called something similar. It means

(01:33:59):
you know, far around or fool around and find out
or f around and find out, meaning you're going to
learn by experience, and that's the best way to do it.
So I asked Susan this, I'll ask Mark. Mark is
now with us, of course, have you ever done that? Mark?
When it came to something, you just said to your kids,
screw it, let them figure it out, and then when

(01:34:23):
they came back to you, you pointed out what they did.
In other words, did you did you subscribe to the
faffo I method?

Speaker 24 (01:34:32):
I don't think that is the method. I kind of
read about that a different way the other day. I
thought it was more like, oh, okay, you you want
to go ahead and not get home by ten o'clock,
Go ahead, and we're going to see what's gonna happen.

Speaker 1 (01:34:48):
Oh oh oh oh yeah, it could be interpreted that way,
but in this parenting plan it also said to live
by circumstances and anyway. It's a child rearing stuff. According
to the Wall Street Journal, that elevates consequences over gentle parenting,
Let it happen is basically on idea that parents can

(01:35:10):
ask and warn, but only if the child experiences it.
Can they actually see the repercussions. Now, okay, but you
don't want to do anything that will hurt the child
permanently for goodness sakes.

Speaker 24 (01:35:25):
Give me an example of what they're saying, Like like
an eight year old, you let them run across the highway?

Speaker 1 (01:35:31):
Is okay if you think. Here's what they're saying, if
you if you think it's gonna This is a very
simple example they give in the Wall Street Journal. Let's
say it's raining rain, excuse me, is imminent and you
say we need to have a raincoat or a head
covering or an umbrella, and they resist, Oh no mom,

(01:35:52):
And then you just let them go and get drenched.
That is a very simple example.

Speaker 9 (01:35:58):
I have no problem with that kid. You're kind of dumb, though.

Speaker 24 (01:36:01):
I mean generally, if you tell them not to do something,
don't open that door, They're going to eventually open it,
So I much rather try to make it to where
they don't open the door.

Speaker 1 (01:36:13):
Okay, now we also ask this, and I talked about
it a bit when and Suzanne says, it usually happens
where it comes up during life and then you teach
the lesson. So when you have to tell your kids
about insurance, ensure, what you're worth uninsured motorists, underinsured motorists,

(01:36:37):
medical payments, or if it has to do with banking,
here's how you keep track of your balance, here's how
you move money, or if it has to do with
other aspects of life, healthcare, of self care, going to
the dentist. How often teeth cleaning is I mean, honest
to God, when your kids are on their own, there
are one hundred things they have to adapt to. So again,

(01:37:01):
what do you do And mostly is from ages fourteen
to eighteen that you start introducing kids to this. Do
you wait for things to come up and say, oh,
by the way, you know, I know, we take care
of your teeth cleanings, But when you're an adult, you're
going to have to schedule these or once a year physicals.
Do you do it as it comes up? Or how
do you do it? Mark? How did you do it

(01:37:23):
with your kids? Again, your kids morphed into.

Speaker 24 (01:37:26):
Kind of we're just hosted on top of it. Like
Miles bought his first house. I mean, think back to
when you bought your first house. You got closing, you
got insurance, you got down payments, you got interest rates,
you got all kinds of stuff.

Speaker 9 (01:37:39):
So you mean you walk them through it. You make
the money.

Speaker 1 (01:37:41):
So so what you do is you go through it
as it comes up in life?

Speaker 24 (01:37:47):
Well yeah, but I mean certain things like credit. We
started talking about how important their credit was when they
were sixteen, seventeen years old. Both of them literally look
at their credit all the time. If they ever fall
below eight hundred, they start crying. So, I mean, their
credit is so important to them, it's insane. You know,

(01:38:07):
they pay off the credit cards, they don't get new
accounts when they don't need them. It is so important
to them because we made it important to them over
the years when they were teenagers.

Speaker 1 (01:38:18):
Now, I did something because as you know, obviously I
was battling cancer and I'm looking at my children because
I was late having kids. My kids are now you know,
eighteen and twenty, and I thought, my god, there's so
much they need to know. So I wrote a book. Now,

(01:38:39):
this is a nonprofit. I'm going to give it away.
It's I'm going to start posting it. And it's a
book called Welcome to Adulthood. Just something, Welcome to Adulthood,
a guide to life after eighteen, and all it is
is a very simple outline of absolutely everything a kid

(01:39:03):
will encounter and everything now it says, but basically, I
want people to know that it is not meant to
be a perfect guide. Okay, It's meant to be just
an outline of things to come. And then what it

(01:39:23):
will do is give a checklist at the end so
they can have a quick reference of life's hurdles or
life's challenges or it's like a giant to do list
being an adult. And I really love it. I really
love it, and I divided it into chapters. Again this

(01:39:44):
I don't I'm not selling it doing anything. I want
to make it available. I think it's wonderful and every kid.
It's very light reading. One you know, it starts being
an adult talking about what happens at eighteen and how
signatures hold really a lot of weight. It goes into financing, credit, taxes, banking,

(01:40:05):
moving money, investing in retirement accounts. It goes into credit,
credit cards, credit debit cards, when to use each. It
goes into loans, what loans are and when do you
use them. It goes into taxes, who needs to file
and when to file and how to file, but it's
very light banking. It goes into again why you need

(01:40:30):
a bank, moving money with digital transfers and conventional ways
like wires and acchs. It talks about things like investing
your money, making your money grow, not how to invest
or what to invest in, but when should you invest,
what should you do, how should you start? And it

(01:40:51):
goes to retirement accounts. I have covered everything, the different
types of retirement accounts. Again, there's probably a paragraph or
less for each thing, but it's meant to be a reminder.
Self care. I mean, kids don't know about self care.
They go out on their own. They may not see it.
I know this sounds stupid, but they may not see
a doctor or a dentist for years if you don't

(01:41:12):
remind them. It goes into transportation, new or use choice
a car, financing, insurance, maintenance, and I love it. I
absolutely love it. I'm proud that I did it because
I want it to be just something that parents can
rely on and not in place of teaching them what

(01:41:33):
is your friend?

Speaker 4 (01:41:35):
Oh it's not a frown, Tom.

Speaker 6 (01:41:36):
I was just thinking back to how you know the
entire genesis of this conversation, which is you asked at
the very beginning of today's show, do you teach your
kids these things ahead of time?

Speaker 4 (01:41:47):
Do you follow the FAFO method?

Speaker 6 (01:41:50):
And you know, the answer is not that simple, because
this is a very nuanced question. It depends on two things,
the consequences of the wrong descision for a particular set
of decisions, and also how smart the kid is. Right,
so sometimes you can't even trust them, or you shouldn't
trust them even with.

Speaker 1 (01:42:09):
The prople stuff that's right.

Speaker 6 (01:42:11):
But you know, to give you an example, the one
place I didn't want FAFO to come into play was
when my sixteen year old niece moved to college. She
started university at the age of sixteen, so in the month's.

Speaker 1 (01:42:25):
Leading, you don't want her to figure this out?

Speaker 6 (01:42:27):
Yes, So we had a number of very serious conversations
about things like all the perverts that infest universities. We
discussed drugs in her exposure to alcohol and things like that.

Speaker 1 (01:42:39):
Okay, so got it.

Speaker 4 (01:42:40):
No, I understand it, Fa and again Joyce.

Speaker 1 (01:42:42):
This isn't meant to take the place of parenting. It
is simply a reminder guide, even for parents on what
they have to cover. I mean, think about it. There
is no one checklist anywhere for adulthood, and that's what
I meant it to be, just a quick reference checklist.
It's not all encompassing, but I think it can take
pressure off of parents anyway.

Speaker 7 (01:43:03):
We have to.

Speaker 1 (01:43:04):
Oh, I'm gonna send it. I'll send you. I'll send
it to you and just tell me what you think
of it, because I really want to help parents have
a guide to go over because the best meaning parents
are not like you and Mark.

Speaker 9 (01:43:16):
I mean, you know, you guys are rare, but your
children are rare.

Speaker 1 (01:43:20):
But but it's not it's it's for parents who either
don't have a clue or can't recall everything they've been through.
And frankly, a lot of parents don't take care of
business either. So we'll do that. We got more coming
up on the Troubleshooter Show. Go with a Sure Thing

(01:43:41):
Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check
up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out Now three oh three seven seven to one Help.
You'll think you're his only customer when you choose Frank

(01:44:02):
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two All Things Garage Doors one clear Choice
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(01:44:23):
or part of the opener. One clear Choice Doors dot Com.
I have used them for seven or eight doors over
over the years and they are stellar. One clear Choice
Doors dot Com. Drew has a follow up. He was
kicked out of a grocery store. Drew, are you there?

Speaker 23 (01:44:46):
Yes, Tom?

Speaker 1 (01:44:47):
What is the follow up? We're gonna we'll we'll take
you after the break. But what's the follow up? In
a sentence?

Speaker 23 (01:44:56):
I can't do it any sentence, but I can do
it after the break.

Speaker 1 (01:44:59):
Okay, we'll let you do that. I'm Tom Martino. We
got more coming up, including Drew's escapades and his follow
up be after being kicked out for public urination. More
coming up. Go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation.

(01:45:23):
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three all
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three all three nine two zero sixteen twenty two.

Speaker 12 (01:45:46):
Ripped of.

Speaker 1 (01:45:48):
News.

Speaker 4 (01:45:50):
Need advice so you don't have.

Speaker 1 (01:45:54):
Run in Just as fast as we can.

Speaker 4 (01:45:57):
Shoot 's gonna help.

Speaker 7 (01:45:59):
Come man.

Speaker 9 (01:46:01):
This is the Troubleshooter Show.

Speaker 24 (01:46:04):
No Tom Martino, Welcome my friends to the only show
that's kind. We are here to solve problems, answer questions,
take complaints, our goal lives.

Speaker 9 (01:46:13):
Make your life just a little bit better.

Speaker 24 (01:46:15):
You've been ripped off, maybe a bad contractor maybe a
bad chiropractor for that matter. We really don't care what
it is. We go after everybody, and at times we
do it with a vengeance. Hey, look, there's a lot
of Sleevez balls out there, and if you want to
expose one, we'd love to hear from you. I got
two lines open three h three seven one three eight
two five five three zero three Martino. Now listen, we

(01:46:39):
had a caller Friday. I think it was Friday, It
might have been yesterday. Drew Drew called up and Drew,
you were at a grocery store in New Jersey and
basically you went to the bathroom outside the store. You
did it kind of incognito, so no one could kind

(01:46:59):
of see what was going on. But someone at the
store must have seen it or someone reported it, and
they kicked you out of not only that store, but
the entire chain of stores. That was kind of where
we left off. But it says here you have an update.

Speaker 23 (01:47:18):
Yes, but I'm only going to say you the update.
You guys, help me to seat marri Lynch. I'm asking
you to help me to seat Languane that is doing
very evil. All I'm asking is have Bo call up
to people he called yesterday and say to them, is
it true that your kick true Brassford out of the

(01:47:40):
store per child e listing?

Speaker 7 (01:47:43):
What? What?

Speaker 1 (01:47:43):
What?

Speaker 7 (01:47:43):
What?

Speaker 1 (01:47:44):
What? What?

Speaker 9 (01:47:44):
Say that again?

Speaker 23 (01:47:47):
I want bo to ask those same people, is it
true that they kicked me out of the store per
child elessing?

Speaker 7 (01:47:55):
Now?

Speaker 1 (01:47:55):
Why is there a child around when you happen to
have leaked?

Speaker 3 (01:47:58):
Yeah?

Speaker 24 (01:47:58):
Where did this come out? I don't understand. Give us
a little perspective on what you're saying.

Speaker 23 (01:48:04):
First of all, where you have where you talk to
those people?

Speaker 24 (01:48:08):
Well, I don't know if I'm going to have am
ask that question. That's a pretty odd question.

Speaker 9 (01:48:12):
You got to give me.

Speaker 1 (01:48:13):
Shed some light on it.

Speaker 23 (01:48:15):
It's a very relevant question.

Speaker 9 (01:48:17):
Why is it relevant?

Speaker 7 (01:48:18):
Back?

Speaker 23 (01:48:19):
It goes back seven eight months ago. I had two
young wagon's females come on to me. One danced her
hips and told me to come again, and the other
one left me her phone number, which I still have.

Speaker 9 (01:48:38):
How old are you?

Speaker 23 (01:48:39):
Aldine spanning me, how old are you? I got the
security guy hired from his police.

Speaker 9 (01:48:45):
Job, and true you're telling me are you over seventy
or you over eighty?

Speaker 23 (01:48:51):
Which one doesn't matter? Well, woman wants to safely play.
I'm not talking about going all the way. I don't
do that because God says not.

Speaker 7 (01:49:01):
So.

Speaker 24 (01:49:01):
Two girls that were young came up to you and
started shaking their.

Speaker 1 (01:49:06):
Butts and doing that.

Speaker 23 (01:49:10):
The other one left me her phone number.

Speaker 9 (01:49:12):
That's why.

Speaker 23 (01:49:15):
Oh no, the real reason why?

Speaker 7 (01:49:18):
Why?

Speaker 1 (01:49:19):
Why?

Speaker 23 (01:49:21):
A security guy I got him fired, in my opinion,
from his job. He wanted to have sex with an
eighteen year old girl who wanted to have sex with me,
so she used him. To believe me, I reported him
to the chief of police. He got fired for me.

Speaker 24 (01:49:38):
For me to actually believe this, I would have to
believe there's an eighteen year old girl somewhere on this
planet that wants to have sex with you.

Speaker 23 (01:49:49):
Well, she said it.

Speaker 7 (01:49:51):
She jumped on me.

Speaker 4 (01:49:51):
Don't you think she jumped on you?

Speaker 24 (01:49:55):
Rolled around that This is this could very well be
the most unbelievable thing that's ever happened to anybody.

Speaker 23 (01:50:05):
When Tom and I took on Mary Lynch, Mary Lynch
had an A plus reputation.

Speaker 24 (01:50:10):
True, What does that have to do with an eighteen
year old girl coming on to you with her friend
by the way at a grocery.

Speaker 23 (01:50:19):
Store separately, separately, Yeah, And that's because the security people
are spreading a.

Speaker 17 (01:50:28):
Lie that you got.

Speaker 24 (01:50:30):
You got that security guard fired. Is that the end
of that story from eight months ago? Now you think
they're all seeking retribution by not allowing you back in
the store even though you just got caught urinating in
the parking lots.

Speaker 23 (01:50:49):
You know, urinate, It just comes out.

Speaker 9 (01:50:51):
I get to intentionally urinate, but you still urinated?

Speaker 2 (01:50:56):
Oh I didn't? Then?

Speaker 1 (01:50:57):
What?

Speaker 12 (01:50:58):
What what did you secrete?

Speaker 1 (01:51:00):
Aran?

Speaker 24 (01:51:02):
I understand that, I understand it just comes out, but
it's still urine. Therefore it's urinating. What would you refer
to it as what's dodger?

Speaker 14 (01:51:13):
Then?

Speaker 2 (01:51:13):
What is that.

Speaker 24 (01:51:17):
Incontinent? That simply means you can't hold it in? It's
still urinating. I cannot believe I found myself arguing what
urination is?

Speaker 23 (01:51:28):
Look, I was behind a tree block bind two different
cars to security even told me no one saw my
personally if it.

Speaker 24 (01:51:38):
Was just coming out, Why for God's sake did you
walk behind a tree?

Speaker 1 (01:51:44):
Explain that?

Speaker 9 (01:51:46):
It's like the Perry Mason moment? Am I the only
one here?

Speaker 14 (01:51:50):
Now?

Speaker 24 (01:51:51):
He got up went behind a tree to urinate, but
yet it just comes out?

Speaker 9 (01:51:57):
Come on, Drew, the tree was there, It just happened
to be there. When you were urinating.

Speaker 23 (01:52:05):
A tree?

Speaker 2 (01:52:06):
Was there?

Speaker 9 (01:52:08):
Yes, I would love to see a picture of the tree. Please, Yes,
I will the way further.

Speaker 23 (01:52:12):
Prove they told me. They handed me a paper, they
said all the charges were there's not one charge on him.
The paper is plank because they're.

Speaker 9 (01:52:22):
Afraid true, they can eighty six.

Speaker 24 (01:52:24):
You were blackballu from the stores for any reason they want.
And it doesn't matter what, it doesn't matter who it is.

Speaker 9 (01:52:30):
They can do that.

Speaker 23 (01:52:33):
Well they can.

Speaker 4 (01:52:34):
Yes, they killed Okay a lawyer.

Speaker 23 (01:52:37):
We're gonna sue him. They can't test make you know what?

Speaker 2 (01:52:40):
Hold on?

Speaker 24 (01:52:41):
I got an idea. Hey, let's get Marco Bendinelli on.
That's what I'd like to do. Let's see if Marco
can come on. If not, we'll get John Fuller. But
I'd rather give John a break on this one because
last time Drew was on, he called him an idiot.
So therefore I would like to see if we can
get Mark Cope, Bendinelli and Drew. Marco is one of

(01:53:03):
the best personal injury attorneys I have ever met, coming
outside when it has something not to do with the
car wreck. In other words, he's gone after everything you
can imagine, including things like what you're talking about. So
if you don't believe me, I want to get Marco
on and let's get a real opinion. I'm not going
to set it up. I'm not gonna make it sound

(01:53:25):
like you're a nut that was peeing behind a tree
and got eighty six from a grocery store after two
teenagers came onto you and wanted to have sex with you,
and you got someone fired all over it.

Speaker 1 (01:53:38):
Not just that grocery store, all Wegmans.

Speaker 9 (01:53:42):
Yeah, every one of them.

Speaker 3 (01:53:43):
Correct.

Speaker 24 (01:53:44):
And I'm not going to go into the fact the
last time you called, you like ran into a tailgate
and wanted to sue the truck, and then I'm not
going to go into you wanted to sue the pharmacist
because you couldn't go number two anymore. I'm not gonna
I'm not gonna bring any of that up, Drew. I
swear to God, if we can get him on, I'll

(01:54:04):
let you talk to.

Speaker 9 (01:54:04):
Him and we're gonna find out.

Speaker 24 (01:54:06):
Okay, we're gonna find out what one of the best
attorneys in this state thinks of that case.

Speaker 9 (01:54:13):
That and a lot more after this, go.

Speaker 1 (01:54:20):
With a sure thing Denver's best roofer Excel roofing dot com.
You don't pay a cent until you're contenth time for
an insurance check up free, no obligation. Comparison call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven to seven
to one help. You'll think you're his only customer when

(01:54:42):
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two.

Speaker 24 (01:54:52):
All right, three oh three seven one three eight two
five five. So we have a caller on, and we
got an expert on, John, Attorney at Law. In fact, John,
I just did a spot for you.

Speaker 9 (01:55:02):
How are you doing?

Speaker 12 (01:55:03):
They did a sir, doing great, doing great.

Speaker 9 (01:55:07):
So this one's a little interesting.

Speaker 24 (01:55:11):
So we have a caller on that was at a Wagman's,
which is a grocery store chain on the East coast.

Speaker 9 (01:55:18):
In fact, I've been in a few.

Speaker 24 (01:55:20):
And they got kicked out of the grocery store eighty
six blackbald, whatever you want to call it.

Speaker 9 (01:55:26):
Forever.

Speaker 24 (01:55:27):
They don't want the person not only in the location
it happened in, but they don't want him in any
location okay, and the reason they kicked him out is
he cannot control his bladder and he went behind a
tree in the parking lot, but the tree happened to

(01:55:47):
be there. I mean, you can ask some follow up
questions if you must. And he urinated, but he didn't.
No one saw anything, but someone saw the stream, according
to him, and that that's why he thinks he got
black balled. But prior to that, something else happened. Understand,
he wants to sue the grocery store because he's saying

(01:56:10):
he had a medical condition. And I get where he's
coming from, and it's not fair to be kicked out
for a medical condition. Now, eight months ago at that
same store, and this person's in their late seventies, So
eight months ago in that same store, two of the
younger workers there, two females that are apparently teenagers, came

(01:56:34):
up to him. Remember he's seventy something, and apparently they
were shaking their butt at him and doing some other
things coming on to them and apparently wanted to have
intercourse with him. So, but I'm not sure what that
has to do with the rest of the story, but
we want to know if you think this would be
a good lawsuit, but I wanted let me get you

(01:56:57):
locked in and let me bring up our caller and
go ahead and add anything else you want while we
have the attorney on and I will not say a word.

Speaker 23 (01:57:07):
That's good because that was my condition. Like usually, you
got half of it wrong. Years ago, there was a
police officer wanting me backpack. There was a young lady
who lived next door to me, and she wanted to
do it all the way. I don't do it all
the way because Jesus says us to unless you're married.
So I told her that. So she used the same

(01:57:30):
security officer who was in a police officer to try
to bully me. I reported him to the chief of police.
He got fired. This is the same guy, in my opinion,
who was kicking me out of the store. On the
sheet that I'm kicked out of the store. They give
no reason because they know that they're lying. They're spreading

(01:57:53):
around the store that I'm a child molester. That's why
Baul couldn't get any answers yesterday. They're telling it people, well,
don't say that, but that's the reason. So they're sparing
my reputation. And yes, I want to litigate against them.
I am a disabled person, crippled at this point. I

(01:58:14):
was not crippled years ago, but I got hit by
a car and I'm crippled. I want to student under ADA,
APPRECII of contract, live on slander. I did nothing wrong
to anybody, so I appreciate your opinion.

Speaker 12 (01:58:34):
John, Yeah, yes, sir, oh boy, all right. You want
a my brilliant legal analysis here, right, hil analysis is
that there is no aspect of the ADA or any

(01:58:58):
other law that make exception for medical conditions that would
allow you to pee on a tree in a parking
lot and blame your medical condition for that, such that
when the landowner complained about it that you were, you
were then in a position of having a cognizable legal
claim against that store for damages. Even if there were

(01:59:22):
such a.

Speaker 23 (01:59:23):
People were listening to you. I don't know what the
heck you're talking about, but that's.

Speaker 7 (01:59:27):
Lawyer saying in English, I did not have a face.

Speaker 23 (01:59:32):
I did not just me on a tree. When you
have to and urinarian continence, it just comes out. Why
don't you ask a doctor? Your lawyer friend seems as
stupid as you are.

Speaker 12 (01:59:44):
Mark sad that hurts.

Speaker 23 (01:59:50):
Okay, what do you think you're.

Speaker 1 (01:59:52):
Doing to me.

Speaker 23 (01:59:53):
You're accusing me of on a tree. I didn't feel
on a tree. When you have aian comment, why don't.

Speaker 12 (01:59:59):
You not being trespassed you? Okay, fair enough?

Speaker 4 (02:00:04):
If your incontinence did someone called doctor?

Speaker 1 (02:00:12):
Did you need a doctor? I'll answer for a doctor.

Speaker 23 (02:00:16):
A doctor in the house I am not aware, has
already read in a document You're true, We got true.

Speaker 24 (02:00:23):
We have an attorney on you can talk to, so honestly,
please explain to him to see if you have a case.

Speaker 12 (02:00:29):
Have you been legally trespassed from this property? Did they
serve you with papers? Trespassing you and telling you not
to come back on your penalty?

Speaker 23 (02:00:37):
Serving with a paper and they told me what I
did wrong? Than there's nothing wrong in the paper. Because
what they're doing is they're lively and slandering me because
I got security guard fired from his police job. Yeah,
well that's libel and slander, preach of contract, violation of ada.

(02:01:00):
I am crippled now. I wasn't in and I can't
help it as far because I'm leted every element in life.
A woman that has come on to me and well,
I'm not going to ask smart than anybody I've been.

Speaker 12 (02:01:17):
Off my factor to go all the way with them.
That was probably one of the smarter moves there, because
you just never know about those those wild women out
there like that. But but back to the lawsuit thing,
I can't really comment on the wild women and their
their solicitations. But but I really honestly, Drew. I mean,

(02:01:38):
I'm not insentitive to your condition, but I have to
say that I don't believe that that there uh failure
to accommodate the manifestation of that condition is going to.

Speaker 2 (02:01:52):
Give rise to a lawsuit.

Speaker 23 (02:01:54):
And that's not asked intro. I don't think I called
up said they agree with the just wear a nild
typer I agreed to wear. I don't know there was
such a thing, but I've agreed to accommodate them. And
the guy who I got fired from his police job,
he is keeping me out of the store. He doesn't

(02:02:14):
want anybody finding out.

Speaker 12 (02:02:16):
John.

Speaker 9 (02:02:17):
Wouldn't you say it depends?

Speaker 12 (02:02:25):
It does indeed depend Mark, But I you know, in
all seriousness, listen, I think people can can trespass you
from property. That's their prerogative. They can't do it based
upon an informiscial you know, you know, failure to accommodate
a legal disability if you have one. And I don't

(02:02:48):
know what the status of your medical condition is, sir,
but you know you're free to consult with an Ada
lawyer and see what they say about it all. But
you know, I don't practice in that area all the
time or really ever, but I think that most of
these cases.

Speaker 24 (02:03:04):
Come down Hey, John, John, for this one and this
one only, how hard would it be for you to
actually take the bar? There is there reciprocity with Colorado
and New Jersey. There's got to be a way we
can make this work.

Speaker 7 (02:03:20):
Yeah.

Speaker 12 (02:03:21):
As much as that's as much as I'd like to
do that, I don't. I don't see that happening. But
I'm not the smartest guy in the world. Drew has
told me that multiple times. And you know, there's there's
found to be smarter guys up there that could that
could take on a case like that and give him
really good advice about you know, his rights in that area.

Speaker 16 (02:03:43):
And and you know, Drew, we thank you.

Speaker 23 (02:03:47):
For your ownest answer. Your lawyer friend seems as stupid.

Speaker 1 (02:03:51):
As you are.

Speaker 23 (02:03:51):
Mark.

Speaker 24 (02:03:52):
Well, thanks John, I I appreciate it, and I got
him on hold I mean, John, in all serious I
try to tell him he can listen right now. I
couldn't imagine in a million year he got a case.
And let's not forget. This is the same guy that
wanted to sue the pharmacist because he couldn't go number
two anymore.

Speaker 9 (02:04:13):
He wanted to sue the truth that was from that call.

Speaker 24 (02:04:16):
And then let's not forget he was in was at
home depot or Low's and he bought a window air
conditioning unit and wanted to sue them because he almost
died because they didn't missed.

Speaker 12 (02:04:31):
So I know I was there the day that he
called about the air conditioning, and oh you were every yeah,
every time I host, I believe I get a call
from Drew and and so it's it's it's uncanny but
but true. But at any rate, you know, listen, this guy.

(02:04:51):
I feel sorry.

Speaker 9 (02:04:52):
I rarely hear John Fuller's speechless.

Speaker 4 (02:04:55):
I I I rarely do.

Speaker 23 (02:04:57):
Your lawyer friend seems as stupid as you on.

Speaker 1 (02:05:04):
What do you say?

Speaker 12 (02:05:05):
John, I'm in rare company.

Speaker 2 (02:05:07):
I guess you know you are, man, You and I are.

Speaker 9 (02:05:10):
We're the lucky ones.

Speaker 2 (02:05:12):
Hey.

Speaker 24 (02:05:12):
By the way, anybody out there, in all seriousness, Drew.
I tried to get this through to you. There's nothing there, Kelly.
I mean, we're done with that.

Speaker 9 (02:05:19):
What are we going to do on this?

Speaker 24 (02:05:21):
But really, anybody out there ever hurting an accident? John
fullersy guy two times I've used him. If you listen
to the show, you know that, John. This time of year, summertime,
I mean, probably less accidents or really doesn't matter. And
I'm thinking like around Thanksgiving, Christmas a lot more. You know,
people out there driving when they shouldn't be driving, causing accidents.

Speaker 12 (02:05:45):
Yeah, you know, No, there's no off season for negligent
driving and stuff. I mean, for everything you can say
about the increased risk in the winter, you can say
the same thing applies in the summer, with longer days
and people outside more and lots of people are drinking
and driving and getting on the roads, and they're out
early and they're out late, and it's just the rest

(02:06:06):
of people disasters. So you know, the vigilant take care
and you know, keep your head on a swivel to
make sure that something bad didn't happen to you. But
if it does, we're here to help and always available
to take your phone calls.

Speaker 24 (02:06:20):
You know, I heard you talking to Tom the other day,
it might have even been yesterday, and we had a
caller come up and they waited I think three or
four weeks before they even went to the hospital or
sought any kind of care.

Speaker 9 (02:06:34):
And I think it had to do with their kid
or something in a fire.

Speaker 24 (02:06:37):
I don't remember, but it was kind of funny thinking
about that when people are in an accident. Really, if
it gets to the point the other insurance company finds
out they hired an attorney three four weeks later, they
never went to the hospital. They never even went to
their primary care or their doctor. I mean, that really
makes the case a lot harder, doesn't it.

Speaker 12 (02:06:59):
Well, here's the way it plays out. You know, if
those cases go to court, you have to put yourself
in the position of a jury member that's sitting there
listening to the evidence, and it comes out that you know,
you didn't go to the hospital after the accident, you
didn't call your PCP doctor, you didn't go to urgent care,
you didn't do all of these things. But what you

(02:07:20):
did do three or four weeks later was called the lawyer. Yeah,
And the day after you called the lawyer, you went
to the clinic. Or you went to the e R.

Speaker 9 (02:07:32):
That looks pretty bad.

Speaker 12 (02:07:33):
So it just paints a picture that although it may
be as innocent as it could be. I mean, there
are people that can't get in to get medical care.
There are people without insurance that don't have those opportunities
for you know, for dial up medical care. There may
be legitimate reasons, but the story that it tells is
that you weren't hurt enough to go and seek out

(02:07:54):
emergency care until the lawyer suggested that you were. So,
whether you call a lawyer or not, I always advocate
for people to seek out medical care immediately following an accident,
just to make sure and establish a baseline for what
your injuries are and what the best path is going forward,
because that's going to pay off dividends down the road

(02:08:16):
in the event that you do turn out to be
seriously injured and you just don't yet know it in
the in the minutes or hours following an accident.

Speaker 9 (02:08:24):
Yeah, it's it's it's crazy.

Speaker 24 (02:08:26):
And John will talk to you if you've been injured
in an accident or even if you have questions after
an accident, just call them up. You'll actually talk to
the attorney on like a lot of these huge firms.
Three oh three five nine seven forty five hundred. Three
oh three five nine seven forty five hundred, John, I
appreciate you coming on, even though it was with Drew.
I did really want him to understand for more than

(02:08:47):
one person. But what I've learned about Drew is, I mean,
you can tell them the truth all day long, and
all he wants to do is sling insults.

Speaker 9 (02:08:54):
That's just kind of his style. But I appreciate it.

Speaker 1 (02:08:58):
Man.

Speaker 24 (02:08:58):
Thank you, John Fuller. Call for dot com. We got
some lines open. I'd love to hear any issues you have.
Three oh three seven one three eight.

Speaker 23 (02:09:07):
Two five five your lawyer friends.

Speaker 1 (02:09:13):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer

(02:09:35):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 24 (02:09:48):
All right, three O three seven one three eight two
five five You've been ripped off for taking advantage of
I think I'm done with Drew. H I know I
say that a lot, but I I really do. I
think I am this time. I mean I said that before,
and I brought him on over the urination problem because honestly,
when he first called in about it last Friday, my

(02:10:12):
understanding of the story had all went down inside this store.
And that's just too intriguing not to actually bring him
on their, but then to find out all this other
crap around it.

Speaker 9 (02:10:23):
I've never in my life.

Speaker 24 (02:10:26):
Met anybody or heard of anybody that finds himself in
so many binds. I mean, it's really crazy. It's like
mister Magoo, I mean, every time you turn around. But
at least mister Magoo is blind, you know, But this
guy is just he's.

Speaker 1 (02:10:44):
Some true believers are persecuted.

Speaker 9 (02:10:47):
Yeah, that's right.

Speaker 24 (02:10:48):
You ask him, how do you find yourself and all
these problems? And according to him, it's not by urinating
behind a tree? Do you realize yesterday, I'm pretty sure
he said he opened his car and that's where it happened.
And the car door was blocking you know, his whatever,
he called it, his privates, but today it was behind

(02:11:08):
a tree. So I start wondering if he's just making
stuff up. But I don't think he is. And I'll
tell you why. We call the stores in the companies
he has problems with, and they verify the story every time,
don't they.

Speaker 9 (02:11:23):
Dragon, I mean Low's and the air.

Speaker 24 (02:11:27):
Conditioner and the cops getting involved. It happens every time, Kelly,
give me an update. We had the lady call in
Yvonne and basically she said, there's a doctor where she is. Yes,
that's not really a doctor, correct, personating a doctor?

Speaker 18 (02:11:46):
Yeah, that was her question about the whole deal. Comes
to find out that the actual nursing facility that she's
out specializes in mental health disorders.

Speaker 9 (02:11:59):
Yeah, memory, ye, brain injuries.

Speaker 18 (02:12:03):
And that type of thing. And while you know, for hippolades,
they couldn't necessarily tell me what exactly was going on
with her. I did ask about the doctor. She is
verified to be a doctor. I'm looking facility, I'm looking
at her. They actually have a wonderful write up on
her on US News and the gentleman that I spoke with.

(02:12:25):
This is an ongoing delusion of hers.

Speaker 24 (02:12:28):
God, that sucks to have to live through something like that.
Can you imagine of being that delusional?

Speaker 18 (02:12:34):
I cannot, But I will tell you that I tried
to get her back on the phone, but the phone
and she only has the number to the facility.

Speaker 9 (02:12:43):
I don't think she doesn't need to hear if all
these people in the facility.

Speaker 18 (02:12:48):
They're very aware.

Speaker 1 (02:12:49):
Yeah, no, I know that.

Speaker 24 (02:12:50):
But I'm saying, if we can't convince her it's a doctor,
I mean, there's no way we can.

Speaker 9 (02:12:57):
I mean, that's her delusion.

Speaker 18 (02:12:59):
The gentleman I did speak with did let me know
that the reason she probably did not answer her phone
in her room was because she's undergoing treatment right now.

Speaker 9 (02:13:09):
You know, we had a guy show up here at
this station, absolutely convinced that Tom and I during breaks,
like the break we're going to be taking a minute,
we're smoking dope and talking to him and he must
have been watching YouTube all the time and actually see us.
But he was convinced.

Speaker 24 (02:13:30):
So he shows up and he got through Corey. Back
in the day, we actually had a kind of a
gatekeeper here at the iHeart building. You couldn't get past
the first floor if you couldn't get past Corey, and
she kind of screwed up, and I thought maybe I
forgot some on my calendar and had a meeting, and
I go out. This guy was so delusional. I couldn't
believe it. I mean really, he was in the basement

(02:13:52):
of his house in Larkspur, and we ended up talking
to his mother. He had all kinds of mental issues,
but he wasn't on his meds. Refused to take him,
had literally tinfoil over the windows, and the guy was
just out of his skull and he kept breaking into
this building. How many times did that guy break in here?

(02:14:13):
It got to the point where he would like follow
employees in through doors, around back and everything. We had
pictures of him all over the building. At one point,
one time he snuck up onto this floor right here,
went into the break room and started making a pot
of coffee. The guy was insane. I don't even know
what happened to him. Hopefully he got back on his meds.

(02:14:35):
But it's really sad the delusional folks. And I'll say
one more. I went out to this poor old woman
that called in. She said, this place is in such disarray.
There's bugs everywhere. It's rat infested, and I believed it
so much on air. I literally went over there right
after the show. Her apartment was immaculate. She had a

(02:15:01):
glass with a little cover almost like a mason jar
on it, and it had a couple fibers from her carpet,
and she was telling me they were bugs right there
in front of me. Then she had a box next
to her bed and said multiple rats lived in it,
and the only thing in the box was like a book.

(02:15:22):
The whole place was immaculate, and I remember looking at her, going,
there's nothing we can do to help her. I mean,
we can try to get in touch with their family
and tell them, you know, she's calling up a radio
station with these absolutely delusional thoughts and maybe they can
help her. But there's nothing we're not we can't do that.

(02:15:43):
I mean, Tom's pretty good with these people, folks.

Speaker 9 (02:15:45):
And I'll tell you why.

Speaker 24 (02:15:47):
His brother suffered from a lot of mental illness while
he was alive. We would get calls all the time
into our helpline from his brother, extremely delusional. Almost found
himself in jail in New York City for a very
long time on a gun charge, just because he didn't
realize where he was what he was doing.

Speaker 9 (02:16:07):
It's very sad.

Speaker 1 (02:16:09):
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(02:16:29):
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Speaker 9 (02:16:41):
Two all right, three O three seven one three eight
two five five.

Speaker 24 (02:16:45):
I'm gonna tork talk to Jordan Khano. Jordan, I wanted
you to run some numbers on the products you guys have.
So this one annuity we're going to talk about real quick. Here,
I told you someone at age thirty five, correct, Well,
maybe they inherit money from their parents, maybe they're a
trust fund baby, doesn't even matter why they have half
a million bucks. As soon as they buy the annuity,

(02:17:08):
they get a seventeen percent bonus, So I mean, really
at that point they have I'm trying to do the math.

Speaker 22 (02:17:15):
Here, call it about four hundred, you know, a little
bit over four hundred.

Speaker 9 (02:17:18):
What do you mean?

Speaker 24 (02:17:19):
No, what do you mean over four hundred with the
seventeen percent bonus? Oh, with the seventeen percent bonus?

Speaker 9 (02:17:24):
Yes, well home much. Wait a minute, didn't you run
a half a million?

Speaker 2 (02:17:27):
Oh?

Speaker 9 (02:17:27):
Yeah, sorry, sorry, you're right?

Speaker 1 (02:17:28):
Yes, yeah, so they got.

Speaker 9 (02:17:29):
Like five hundred and what is that seventy teen percent
on that? It's they call it five eighty five perfect yep.

Speaker 24 (02:17:38):
So five hundred and eighty five day one, day one, yep,
day one, you have five hundred and eighty five thousand.

Speaker 9 (02:17:43):
Think about that.

Speaker 24 (02:17:44):
You just turned your old four oh one k maybe
or even any money and made eighty five thousand. Now,
let's say they retire at age seventy.

Speaker 9 (02:17:52):
Listen to this.

Speaker 24 (02:17:53):
How much would they get paid guaranteed every month at
age seventy.

Speaker 9 (02:17:58):
To the day they die? Every month thirty thousand dollars
a month, So about what a year? Three hundred and
sixty seven?

Speaker 22 (02:18:05):
Yeah, call three sixty yep.

Speaker 24 (02:18:06):
Three hundred and sixty thousand a year till the day
they die. So, if that's it, starting at age seventy,
at age eighty. After ten years, they already pulled seven
point two million dollars off of that five hundred thousand
dollars investment. Seven point two million. Now, let's hope they
didn't get hurt. But if they did and they can't

(02:18:28):
bathe themselves and they can't cook for themselves, that seven
point two million does what.

Speaker 1 (02:18:34):
It's gonna double.

Speaker 22 (02:18:35):
They're gonna be getting that seven hundred and thirty thousand
a year at that point, so two times whatever their
income was. Now they're getting for long term care.

Speaker 24 (02:18:42):
So the three sixty doubles, and that's the most important part.
That long term care is massive long term care. Nowadays,
the insurance sucks. It's very expensive. This annuity it's built in,
and it doubles whatever your monthly payment is. So in
that case, that person's literally bringing in three quarters of
a million dollars every year till the day they die.

(02:19:03):
They can bring in help from the outside, they can
go into a facility, they can do whatever they want.
And folks, the other thing is, if something happens to
your your relatives get it, your spouse gets it, your
kids get it.

Speaker 9 (02:19:18):
Whatever the account value is goes to whoever you want
it to.

Speaker 1 (02:19:23):
Go to.

Speaker 24 (02:19:24):
It doesn't vaporize. That's how some of the old ones
worked way back when. Check these guys out, have them
run the numbers on you. It's a great thing to
put in with your retirement. Check them out at my money,
Myway dot com. That's Jordan and Joe Keihano My Money
Myway dot com. Listen, we've got a lot going on.
In fact, Marty's got an update tomorrow on an insurance

(02:19:46):
deal and a lot more