The Troubleshooter 8-13-25

Episode Transcript

Speaker 1 (00:00):
Thank y'all.

Speaker 2 (00:05):
Rip new need advice, so you don't have.

Speaker 3 (00:12):
Come run in just as as as can. Shooter's gonna
help come Man Dix is the Troubleshooter Show. No tell Martino.
I never get tired of saying, welcome to the show.
I am here to help you, solve your problems, answer
your questions, take your complaints, make your life a little easier. Major,

(00:34):
Mark Major should be joining us in a little while.
We're having a few connection problems at the remote hacienda,
and I'm here in the satellite Martino Satellite studio, and
we are coming to you live on YouTube as well
as of course our khow Carradio in the Springs and
then on iHeartRadio app across the country. So if you

(00:56):
ever have a problem, even if you're not listening live,
call three three Martino three oh three six two seven
eight four sixty six.

Speaker 4 (01:04):
We will are you there, Mark, I was gonna say,
Doc is holding down the mobile ship.

Speaker 3 (01:10):
Doc is at the mothership. Okay, thank you Doc for
being there. By the way, Karen wants to start off
things talking about I.

Speaker 5 (01:20):
Bet is this a veterinarian. What's going on with you?

Speaker 3 (01:24):
Karen? What's happening.

Speaker 6 (01:27):
Well, hi there, I appreciate you listening to me.

Speaker 3 (01:31):
I okay, my daughter.

Speaker 6 (01:35):
The you know, the owner, she's the owner of the shop,
and my daughter works for there. And there's you know,
a couple other girls that work.

Speaker 3 (01:43):
There, work where at at a vet at a vet yees, yeah, And.

Speaker 6 (01:48):
I don't want to say any.

Speaker 3 (01:49):
Names, right, okay, Well we're talking about an animal a
vet right, yes, yes, okay.

Speaker 6 (01:56):
But what happened is, uh, I guess there's in space
behind where the veterinary office is. Someone bought that property
and they started taking care of the prairie dogs. She
got you know, license through the city and whatever to uh,
you know, get rid of the prairie dogs. I guess

(02:18):
she was gassing them and putting them in Uh.

Speaker 5 (02:22):
Now this is this is a fellow tenant in the
same building.

Speaker 6 (02:28):
Yeah, I think someone behind behind there or in and
they were they're buying that property. They're going to build
on it.

Speaker 3 (02:36):
They bought the vacant lot, yes, okay, and they're gassing
the prairie dogs.

Speaker 6 (02:43):
Yes, And so the the veterinary decided to get in
the middle of it.

Speaker 3 (02:49):
In what way you get in the middle of it?
In what way?

Speaker 6 (02:53):
He was out there. She called, she was what she
went to the city, she had she was called.

Speaker 3 (03:00):
But what I'm saying is, what is she trying to do?
Stop the gassing of the prairie dogs.

Speaker 6 (03:06):
Yes, I get yeah, she was stopping. I guess some
of the prairie.

Speaker 3 (03:11):
Dogs died and she's well that was the idea. Now
now listen, I'm an animal lover. I don't want anyone
any but but but I'm saying, to a certain extent, though,
they have a right to get rid of prairie dogs.

Speaker 6 (03:24):
Right, yeah, that's what That's what the the other person
is saying to, you know, the lady that is disy.
You know, my daughter's you know, employer. And but she
just started causing problems. She was spending the night and
like watching.

Speaker 7 (03:43):
Them and calling the police on them every day.

Speaker 3 (03:45):
Okay, So where do we stand, Karen, What are you
calling about today? And how can we help him?

Speaker 6 (03:51):
Well, what happened is the vet started getting my daughter.

Speaker 7 (03:57):
And the other girls in the in the veterinary office,
her assistants.

Speaker 6 (04:02):
And all this involved in it, so that she would
not she wouldn't come into work till later. But she
called the police and the police were coming to the
office and talking to my.

Speaker 7 (04:13):
Daughter and the other girls. And then just the other day,
they were told.

Speaker 6 (04:19):
To go out and walk the uh, the the area
and to see if there's any dead prairie dogs or
hurt hurt prairie dogs. And when they were out there,
the lady that I guess the lady whoever, was filming it,
and they called the police on them, and the next

(04:41):
thing I know, they're at the daughter, the daughter's work,
and they're citing them with trespassing.

Speaker 3 (04:48):
Well, Karen, technically, technically they are trespassing, yeah, but.

Speaker 7 (04:54):
They were told to do this by by the by
their boss.

Speaker 3 (04:58):
Yeah, but their boss does and hold on, their boss
doesn't own that property. Now, Karen, I'm not trying to
give you a hard time. I'm going by the letter
of the law. They were trespassing, yeah, and even though
their boss told them to do it, their boss should
at least stand up for them and pay their their
fines and all of that. Where does it Where does

(05:19):
it stand today? Karen?

Speaker 7 (05:21):
Well, Well, they were also told by their boss that
that that that that property is co owned by everybody
that owns it, or that that backs up to the property.

Speaker 3 (05:33):
And I mean hold on are you saying that your
daughter and the other VET employees were not technically trespassing.

Speaker 6 (05:44):
That's what we don't know. But the police came and
they that my daughter and the other girl were cited.

Speaker 3 (05:50):
They that's not you know, it's not a big deal
by the way, the trespassing. But they can use that
as a defense and say, look, we're sorry, we thought
we were on an easement.

Speaker 5 (06:02):
We're not looking for any trouble.

Speaker 3 (06:04):
They won't. It won't be a big deal. I mean,
are you calling to try to get that to do?
And I really, trespass is not that is not that serious.

Speaker 8 (06:15):
Okay.

Speaker 6 (06:15):
That well that they're worried about, you know, find they're
worried about it.

Speaker 3 (06:19):
Well, no, they might get a fine. They might get
a fine, but they might tell the judge. Look, they
might tell the judge. Look, we didn't know this was
her lot. They thought they were on a common area, right.

Speaker 7 (06:35):
Yeah, that's what they were told.

Speaker 3 (06:36):
Yeah, okay, well just tell them that. I think you're
making two Listen, I'm not making light of it, but
I'm making what I call real of it. In other words,
I don't think you're going to have a real major problem.
I really don't Karen, and and you know trespass. Trespass
is really minor. There was no damages done. It's a

(06:59):
vacant life for goodness sake. But Karen, I need to
ask something. This begs the question, why is your daughter
and the veterinarian's office and all the employees so worried
about prairie dogs.

Speaker 1 (07:11):
Now?

Speaker 3 (07:12):
I love animals, but if they're being gassed humanly, I mean,
they can be a hazard.

Speaker 5 (07:18):
Why do they care so much? Why do they care
so much?

Speaker 7 (07:22):
It was the vet.

Speaker 6 (07:23):
The vet is the one that is like going crazy
and just pulling the girls that work there into all
of her crazy.

Speaker 5 (07:34):
Okay, and they're all right there, I see what you're saying.

Speaker 3 (07:37):
Well, then they ought to ask their boss to pay
any fines that come up as a result of it.
I got to run three oh three seven one three
talks seven one three eight two five five. Deborah, what's
going on with you? Deborah? You've been working with Suzanne.

Speaker 5 (07:50):
What is the issue? Deborah? When did you call last?

Speaker 9 (07:56):
Just last week?

Speaker 3 (07:58):
Okay?

Speaker 5 (07:58):
And can you explain what the problem was, Debra?

Speaker 9 (08:03):
My husband died July thirtieth, and I'm sorry, still trying
to get his will. I guess Suzanne the bank statement.

Speaker 3 (08:13):
Now, why can't you get wait, wait a minute, where
was his will lodged or kept? Where was his will kept?

Speaker 9 (08:20):
That's a good question.

Speaker 3 (08:21):
When did he die? When did he die? I'm sorry
for your loss. What happened? Was it sudden?

Speaker 9 (08:31):
It's been he was in hostice?

Speaker 3 (08:34):
Okay? Now didn't you discuss did you discuss the will?
I mean you would think if he was dying he
would have his will handy. But without a will, you're
going to get everything anyway. So tell me what the
issue is. Does he have a big estate, does he
have kids trying to come after it? What's the issue?

Speaker 9 (08:53):
Well, as of this morning, I have I've known this
since as as he was in hospice, that the will
as is at Chapel of Memories. There's a funeral home.

Speaker 3 (09:10):
It's at where it's in the assistance. It's in the
nursing home. Where the hospice home.

Speaker 9 (09:16):
No, it's a Chapel of Memories. It's a funeral home.

Speaker 3 (09:20):
Here now why okay? But here here's what I don't understand,
and I want to help you. In fact, let's get
Dan McKenzie on as well. But hold on right now,
I have to take a break for it, and then
I'm going to ask some questions on if your husband's
in hospice, he's dying, he has a will, why wouldn't
he make that available to do you right? Then? We'll

(09:42):
talk about that coming up and more. I also have
Nick joining us from renew Home Innovations dot com. And
I've said this before, the most beautiful bathrooms you ever
want to see ever, and I mean that. And he
does this walk in conversion of the shower with porcelain sheets.

(10:04):
We'll talk about that and some of his other business
ventures coming up on the Troubleshooter Show. Go with a
sure Thing Denver's Best Roofer Excel Roofing dot com.

Speaker 2 (10:17):
You don't pay a cent until you're content.

Speaker 3 (10:22):
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. Hi Tom Martino, You're

(10:49):
a troubleshooter, and uh, we're going to go to the
phones for this problem. But joining me also renew home
Innovations dot com. He's also had some business expansion he
wants to talk about and what he's doing. It's exciting.
And Deborah, let's talk about this. Your husband died. May

(11:11):
I ask that question? And again, I don't want to
give you a hard time. You just lost your husband.
He was in hospice. But it begs the question, if
your husband was in hospice and he had a will,
why didn't he make that readily available or why didn't
you say, honey, where's the will? I need it?

Speaker 9 (11:34):
Because his son rewrote it?

Speaker 3 (11:37):
Oh okay, that's what I was wondering. Now are you
a second Are you a second wife? Not mother to
the son?

Speaker 9 (11:45):
No, I'm not his mother.

Speaker 3 (11:47):
Okay. Now is the son resenting you and wanting to
get the estate and thinks you shouldn't get anything? How
does that work?

Speaker 10 (11:56):
Well?

Speaker 9 (11:56):
He owns it now because my husband find all over.

Speaker 2 (12:00):
To him and he owns what, dear?

Speaker 3 (12:02):
What does he own?

Speaker 10 (12:03):
The house? The house?

Speaker 3 (12:05):
Wait a minute, wait a minute, but I have to
how long? Deborah? This is why we need Dan Mackenzie
Mackenzie Law. He does a state law and there's a
reason I need him because we're going to talk to
him about this.

Speaker 5 (12:20):
And what I'd like to know is how long were
you married to this gentleman?

Speaker 9 (12:30):
Almost fifteen years?

Speaker 3 (12:32):
Okay, Now I'm going to tell you something. He was
allowed to write you out of the will you earned
just by being married a certain percentage of the estate.
Did you get anything or did he write you out completely?

Speaker 6 (12:52):
So that's the question.

Speaker 9 (12:53):
I just texted my steps on this morning, and I
can he allows me. I can go down to the
funeral home. The funeral director can't allow me to see
the will, but only a key occasion I've been I
have not been able to locate the will anywhere I
went down the public records.

Speaker 5 (13:13):
Well, hold on, will your step son listen?

Speaker 3 (13:16):
Your step son knows your step son knows you're you
were married to the guy. Will he just let you
look at the will or not? Or is he being
that jerky? Is he not letting you look at it?

Speaker 9 (13:29):
Fifty when he's that term? Are you seeing jersey? Yeah?

Speaker 3 (13:32):
In other words, Deborah, if you said, if you said
to the step son, may I see the will?

Speaker 5 (13:38):
Would he simply flat out say no, that's I've just texted.

Speaker 9 (13:43):
Him this morning and I'll see, I'll see what happens.
I did talk with my husband's lawyer and he doesn't
really approve.

Speaker 3 (13:51):
Okay, going on now, wait, your husband's lawyer needs to
know and he knows the law on this. Let me
know when we have Dan mcken's all right, Kitchina, can
you tell me if you're calling him, if he's not
calling back, can you just give me an update on that, Kitschina,

(14:12):
Thank you very much. Okay, so I got whispered in
my ear. She's talked to him right now. So your
steps and was left everything? What was in the estate?

Speaker 9 (14:24):
Well, both my husband and wily Mary, we both made
our will, so everything was ready and everything was fine.

Speaker 3 (14:30):
But I need to know what was in his estate?
What did he have?

Speaker 9 (14:36):
The house which is paid for? It's awesome.

Speaker 3 (14:38):
Now the house? How much is the house worth?

Speaker 9 (14:43):
We just had a praise or looked at it. Seven
hundred and fifty thousand dollars.

Speaker 3 (14:48):
Now, now here's what I want to know. Here's what
I need to know. Did he have it when you
married him?

Speaker 10 (14:56):
Yeah?

Speaker 3 (14:57):
Okay, how long ago did you sixteen year years ago.
You are entitled to the increase in value from the
time you married him until now unless there was was
there a prenup or a post nup?

Speaker 9 (15:18):
There was a prenup? Yeah?

Speaker 3 (15:20):
Oh well, hold on, first, let me ask you this
hold on, hold on, Deborah. In addition to his house
worth seven hundred and fifty, what else was in the estate?

Speaker 9 (15:36):
All of his furnishings, tools, everything?

Speaker 3 (15:40):
Okay?

Speaker 5 (15:40):
How much did he have in cash or investments?

Speaker 7 (15:45):
That I'd have to look at, but roughly.

Speaker 3 (15:48):
Roughly did he have millions? Did he have hundreds of thousands? Roughly?
What did he have about thousands? Yeah, like hundreds of thousands?

Speaker 9 (16:00):
No, No, I'm sorry, I wish I had it on
it's in my.

Speaker 10 (16:06):
But yeah, and he has.

Speaker 3 (16:07):
So he had he had some cash and investments, and
then he had personal property. Okay, I want to bring
up I want to bring up Dan McKenzie mackenzie law, Dan.
I want to ask a question. Oh, hold on, before
I ask that, Debrah, did the prenups say? And I
need to ask Dan Dan the role with wives. She's

(16:29):
a second wife, married sixteen years. Can a wife disavow
any kind of inheritance at all?

Speaker 5 (16:38):
In a prenup. That's a very simple question.

Speaker 3 (16:41):
First, can they do that, yes, okay, if they do
not disavow it, what are wives entitled to? And what
can they not be actaced out of by the children.

Speaker 11 (16:58):
So usually that is a cup that the prenup is
to say, yes, we can disinherit each other. It's not
necessarily the case, and sometimes there's other conditions about length
and herite and stuff like that. But if that is
what the prenup says, then the issue is like, what's
that prenup made in a valid binding way to say?

Speaker 3 (17:18):
Now without one though, but without one, what would she
be entitled to?

Speaker 11 (17:24):
That's where you do that formula where you get, you know,
a certain percentage of the estate based on how long
you were married.

Speaker 3 (17:29):
So it's she was married sixteen years. She was married
sixteen years, so what would she be entitled to?

Speaker 11 (17:36):
So it's fifty percent, but that you know, there's a
little there's some nuance at formula.

Speaker 12 (17:42):
But the Ruffians through is fifty percent.

Speaker 3 (17:45):
But tell me about the state. How is it calculated
over the years. So there's basically what we do.

Speaker 11 (17:53):
We calculate what we call the augmented estate, which is
everything that each of them owned together and separately, and
then we figure out, Okay, what would fifty percent of
that be since she was married more than ten years,
and then you subtract what she owned by herself. So
if she had more, it's meant to make sure that
you know, a richar's stout right not taking your right
for herself.

Speaker 3 (18:13):
So let's say let's say it comes out to where
he had more and there's there's a pot there, what
would she be entitled to per year?

Speaker 10 (18:24):
Five percent?

Speaker 3 (18:26):
And it goes five percent up to ten years, which
is which is a max of fifty percent? Correct? Okay,
Now what I need to know is this, did you
did he disinherit you in the prenup? Did he say
to you or did the prenups say that you're not

(18:50):
entitled to his estate?

Speaker 9 (18:54):
I think that's probably true.

Speaker 3 (18:56):
I have now wait, do you have Do you have
a copy of the prenup? Yes?

Speaker 5 (19:03):
Did your attorney tell you? Did your attorney tell.

Speaker 3 (19:07):
You you have no rights.

Speaker 13 (19:11):
To it?

Speaker 1 (19:14):
Oh?

Speaker 9 (19:14):
We haven't gotten that far. Okay, I really don't have
an attorney. He wanted to.

Speaker 3 (19:19):
Well, then if you don't have an attorney, well, look
at every attorney's going to charge McKenzie's no different. But
I would call Dan McKenzie and have him look over
the prenup and the will. Now, Dan, the stepson who
supposedly inherited everything, will not let her see the will.
Does she have a rite to see the will? Yes?

Speaker 10 (19:42):
Yeah, yes?

Speaker 3 (19:44):
And how does she exercise that right?

Speaker 11 (19:47):
So they again like whoever has custody I will, it's
supposed to lodge it with that with the Sevens County
Court and then.

Speaker 8 (19:57):
She could access it there.

Speaker 14 (20:00):
See.

Speaker 3 (20:01):
So you see there, Deborah, there are certain things, some
rights you're sitting on, and we've gone as far as
we can in a phone call. But according to Dan McKenzie,
you have a right to see the will, and subject
to a prenup, you also have a two percent per
year up to fifty percent, which would make you a
fifty percent owner of his estate. It would be well

(20:21):
worth your time and money to at least have McKenzie
go over these And I'm really serious about it. Do
not screw around with it, okay, and Dan, thank you
very much. McKenzie law, by the way, is eight three
to three co plans and that spells and that what
that spells is this eight three three two six seven

(20:44):
fifty two sixty seven, and we have more coming up.
I'm troubleshooter Tom Martino and Compass Insurance Group will do
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(21:04):
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Speaker 2 (21:17):
You don't pay a cent until you're content.

Speaker 3 (21:22):
Time for an insurance check up, free, no obligation comparison
call Compass Insurance Paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance. Three oh
three nine two zero sixteen twenty two. Hey, I'm Tom Martino.

(21:47):
You're troubleshooter Bob. You need some financial advice? Hey, what's
going on with you?

Speaker 15 (21:53):
Bob?

Speaker 3 (21:54):
Welcome to the Tom Martino Show. Glad to have you on.
What's going on?

Speaker 10 (21:58):
Sir h Thank you so much for taking my call.
You know, if there's anyone in the world that I
know that knows about finances, it's user and what I've
got going. Honest. We have a John Hancock annuity right
now that's worth about two hundred.

Speaker 3 (22:16):
How long have you had it?

Speaker 7 (22:18):
Oh?

Speaker 10 (22:20):
Geez, I'm saying seven eight years?

Speaker 3 (22:22):
Okay? And is it a fixed indextinuity? Woo?

Speaker 10 (22:29):
I'm not sure.

Speaker 5 (22:31):
What is the account What is the account value?

Speaker 10 (22:34):
Two hundred?

Speaker 3 (22:36):
Okay? How much did you invest in it?

Speaker 8 (22:40):
You know?

Speaker 10 (22:41):
Let me ask my wife?

Speaker 3 (22:43):
Yeah, that's important. I want I just want to track
what you're doing.

Speaker 10 (22:46):
Sure, Karen, how much did we invest in John Hancock
to begin with? Do you remember? Okay? One hundred and
fifty thousand?

Speaker 3 (22:56):
Okay, So you made some money, and I want to
mention something. I want to clear this up. Annuities are
definitely a tool in people's arsenal.

Speaker 5 (23:09):
Now, I would be a liar if I told you
I did not have an annuity.

Speaker 3 (23:14):
I do. I have a big annuity, but I also
have other investments. And one thing I want to tell you,
if you are annuity should not be your first investment.
Let me just put it that way. It should be
down the road when you're ready for retirement or almost ready,
because you don't have to have an annuity for a

(23:34):
long time for it to be worth something.

Speaker 5 (23:37):
In other words, here's what I'm saying.

Speaker 3 (23:39):
I have accounts that I built up, and when I
became sixty eight, I believe for sixty nine, I converted
one of those lump sums into an annuity that I
said I would keep another three to five years.

Speaker 5 (23:53):
But I would never have a long term annuity.

Speaker 3 (23:56):
Because they don't pay. They simply, no matter what anyone says,
as they simply do. Now are they safe, absolutely, but
they simply do not pay what they just don't pay
what they do with uh, with the with the socko market.
I'm gonna give you an example. If you if you

(24:17):
invested twenty grand, for example, and I ran some numbers
right now, if you invest invested in the in the
composite index of of of Nasdaq, the S and P
five hundred, if you invested let's say, let's say, let
me let me go here to the exact amount you're

(24:39):
gonna want to hear this, one hundred thousand dollars twenty
years ago.

Speaker 5 (24:42):
How much do you think you would have right now?
In a regular just.

Speaker 3 (24:46):
A stock fund that you did not touch, even with
all the highs and lows. What do you think you
would have in your account you invested one hundred twenty
years ago, how much do you think you'd have? Two
hundred you'd have seven hundred eighteen thousand. Wow, Now if

(25:08):
you if you put it in an annuity, Okay, how
much do you think you would have?

Speaker 10 (25:17):
Ooh, I'm a free to even guest.

Speaker 3 (25:19):
No, no, it's not bad. One hundred excives me one
hundred thousand. The same investment that would be worth seven
hundred eighty thousand in an annuity. If you put one
hundred thousand in it, what would you have? You would
have between one eighty five to two hundred and sixty five.

(25:40):
Let's give it the best performance you would have or no,
this one. This one is saying some of the indexes
would have given you three hundred. So you put one
hundred thousand twenty years ago, you would have three hundred,
about three hundred and fifty in the best annuity, you'd
have se seven hundred and eighty in a simple S

(26:02):
and P fund. Those are actual facts. Now, does it
mean that the fixed indextinuities of ad investment. No it's not,
but it should not be your first one, and it
should be a smaller part of your estate, not a
larger one until.

Speaker 5 (26:19):
You get to retirement age. Let me explain this.

Speaker 3 (26:22):
You let your money grow, you keep it growing, and
then as you near retirement, you peel off a lump
sum for an annuity and let it fester another two
or three years and then cash in the income.

Speaker 5 (26:36):
So is a time and a place for an annuity.

Speaker 3 (26:39):
So what is your now? I just wanted to give
you those figures. What is your actual situation? And how
can I help you?

Speaker 10 (26:46):
Okay, so that's really good information, Thank you.

Speaker 3 (26:50):
And how long ago did you invest the one fifty?

Speaker 10 (26:53):
Oh I've been like eight years ago, I think.

Speaker 3 (26:56):
Okay, go ahead.

Speaker 10 (26:58):
Okay, So we're to the point now we've had some
Edward Jones managing other stuff forard.

Speaker 3 (27:04):
No, no, Edward Jones isn't managing anything you have. You
have what I call a middleman calling themselves your advisor,
and they're putting you into cookie cutter investments. What's your
total portfolio worth in addition to the two hundred thousand
dollars annuity.

Speaker 10 (27:21):
That's where we're at right now. That is the total
and hold on.

Speaker 3 (27:25):
What I don't understand is this, if you have an annuity,
what is Edward Jones doing? They can't be investing anything
because the annuity is automatic.

Speaker 5 (27:33):
So what's happening?

Speaker 10 (27:35):
Okay?

Speaker 14 (27:36):
So we started off with about five hundred Okay, this
was you know, we've paid off bills and we've we've
drained that, got it to where now not have the
annuity left?

Speaker 10 (27:46):
Okay, I don't want to roll that annuity back over
to Edward Jones because they say that they can manage it.
But it's interesting, you know the person.

Speaker 3 (27:56):
There's nothing to manage, brother, there's nothing to matter, right, well,
she refrained. When you say, when you say you don't
want to roll it over, there is no rollover with
an annuity. What are you talking about?

Speaker 10 (28:09):
Okay, let me let me rephrase this. Okay, we have
the annuity, we can go ahead and have Edward Jones
and they refer to it as managing. I realize it's
not managing that right the right their minimum of what
the suitability standards or so got it?

Speaker 3 (28:26):
That's got it?

Speaker 10 (28:27):
I get that. So what we want to do is
cash out to that annuity. Oh and put it someplace.

Speaker 3 (28:35):
I'm not sure that's a good idea. I'm not sure
that's a good idea. I maybe we should bring up
Joe Keiano. He's a pretty good expert on this. Let
me ask you something. If you cash out that annuity,
you're not going to get the full account value. Are
you there?

Speaker 10 (28:52):
John Hancock is going to take eight hundred and thirty
nine dollars.

Speaker 3 (28:56):
Okay, that's not bad. Let me ask you this. Let
me ask you this. Bob Hey, by the way, Kachina,
try to get Joe keano on. Let me ask you this.
Then you'll get almost a full two hundred How much
income if you turned it into income right now would
you get?

Speaker 10 (29:15):
Well, here's the saying, we have not amount of money,
but we're going to need to invest it. But we're
going to need to draw on it to where.

Speaker 3 (29:22):
We Well, that's why I'm saying, hold on, That's why
I'm saying you may want to keep it right where
it is. How much income would that annuity produce right now?

Speaker 10 (29:32):
I don't know.

Speaker 5 (29:34):
Okay, hold on, hold on, you've had it alone.

Speaker 3 (29:40):
Okay, when you started this annuity, what date did you
put on turning it into income? When back eight years ago.
Did you say what age or how many years would
you keep it? Did you say on your contract?

Speaker 10 (29:55):
I don't remember much?

Speaker 3 (29:56):
All right, hold on just hold on. Okay, you're a
dumb dumb I don't that. I'm just kidding. Hold on
a sec. Let me bring up Joe Kiano when we
find him here and have them come on and talk
about this. Three oh three seven one three talk seven
one three a two five five. Look, people, there's a
time and a place. There's a time and a place
for everything. By the way, water Pros will get you

(30:18):
the best absolute water systems anywhere, the whole house system
thirty nine to ninety five, or just drinking water twelve
hundred dollars, or the combination is just a little over
four grand.

Speaker 5 (30:28):
You'll never beat their prices ever.

Speaker 3 (30:31):
And you have honesty, integrity and wonderful products. I have
them all. I love them. Water Pros done at three
oh three eighty six two five five five four. 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

(30:53):
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage of insurance companies
find out now three all three seven to seven to one.

Speaker 12 (31:03):
Help.

Speaker 3 (31:04):
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, I'm going to
bring up Joe after the break, I think, because we'll
have more time for him to talk on this annuity.

(31:25):
He's our nuity expert right now, though, Jason wants to
weigh in on it. Jason, you were listening to the conversation.
You're at financial advisor. What do you have to say? Jason?

Speaker 16 (31:36):
Yeah, I just you know, it's hard to have quick
conversations on the phone with somebody who doesn't have all
the contact right. But I think this gentleman, you know,
with that, with that John Hancock, Uh, he could do
it if it's like, for instance, if this is a
traditional ira or a roth ira for some reason, if
you put that in a nuity, which I.

Speaker 8 (31:53):
Don't think you would, usually he can roll that.

Speaker 16 (31:56):
Over a transfer it, you know, ten thirty five exchange
it with out having to take a lump sum out
of it, so he should have options in.

Speaker 3 (32:03):
The edwards And how would that how would that differ Jason? Jason,
I hear what you're saying, and and it's good advice.
How would that ten thirty one change from just taking
it in a lump sum and investing it? Tell us
the difference?

Speaker 16 (32:17):
Yeah, So the ten thirty one is for properties, so
it wouldn't be a ten thirty one to be a
ten thirty five okay, annuity or a life insurance right, okay,
But you know if he took that, So for instance,
this was a traditional IRA, Tom and he took a
big distribution of two hundred grand, that'd be two hundred
grand of taxable income to Hit.

Speaker 3 (32:34):
Okay, let me ask him something. Let me ask him, Bob. Okay,
hold on, Bob, is this held in an IRA or
a ROTH or is it simply an annuity?

Speaker 10 (32:45):
It's simply an annuity. It's a jarn hancn coninuity.

Speaker 3 (32:49):
Okay.

Speaker 16 (32:49):
So Jason putting non qualified dollars into it, right, Okay?

Speaker 12 (32:55):
Yeah, So yeah, that all.

Speaker 16 (32:56):
The growth on that annuity, then that fifty k that
he got would be taxable income to him right off
the bat, because it's lasting. First out for annuity, So
he definitely needs have some wisdom around what he wants
to do with this money.

Speaker 3 (33:06):
So if he wanted to take that so called two
hundred grand and invest it, he wouldn't have two hundred
net because of taxes. So he could he do a
ten thirty five though, into an investment account.

Speaker 10 (33:21):
I don't think he can, right not into another investment account.

Speaker 3 (33:25):
But I mean, annuities are like cars.

Speaker 16 (33:27):
They've gotten way more sophisticated, right and you know, cheaper
over time. So there's there's got to be something that
would fit his risk tolerance and income needs that he
could ten thirty five at over to.

Speaker 3 (33:40):
But Jason, I don't understand, Bob. How old are you? Bob?

Speaker 10 (33:43):
Right now, I'm seventy six.

Speaker 5 (33:46):
Bob, I don't know why you don't turn it into income.

Speaker 3 (33:49):
I mean I don't. In other words, at this point
in your life, you've already had the annuity for eight years,
and I'm not sure why you don't just take the
income on it.

Speaker 5 (34:00):
Do you know how much the income.

Speaker 3 (34:01):
Would be on it?

Speaker 10 (34:03):
You know, I don't what the deal is if we
leave it and let now I know you say Edward
Jones doesn't manage it and I get that, but they
refer to it as management fees to continue managing the
funds man, you.

Speaker 3 (34:18):
Don't want to do that. See that is wrong and
we would never do that to someone at Wave eight
Wealth Management. You don't have money in cash or money
in an annuity and keep charging people year after year
a fee. That's my opinion. Hold on, I'm going to
bring up Joe Cano after the break, who is our
resident expert on annuities, and get his opinion. So hang on, Bob,

(34:40):
I'm Tom Martinez. We also have renew home innovations. We'll
talk about 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. In comparison, call Compass Insurance. Pay too much
your coverage at dozens of insurance companies find out now

(35:03):
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 1 (35:15):
Yeah, rit.

Speaker 2 (35:22):
New need advice, so you don't have come running as
fast as we can.

Speaker 3 (35:31):
Shooter's gonna help come. Man, this is the Troubleshooter Show.
No Tom Martino. Hey, I'm Tom Martino, And for forty
five years on radio, I've been helping you fifty years
outside of I mean, if you consider the time outside
of Denver, I was just a young pup when I
got here. I love doing what I do. I thank

(35:52):
God for my cure that's what they're calling it right now,
of pancreatic cancer. It was found early, surgically removed. Follow
up chemo ended on Friday, and I'm going to be
getting my strength back and some weight back. And I
just want to tell everyone thank you so much for
your well wishes and your prayers and your thoughts. It

(36:13):
really does mean a lot to me because I'm not
so much a likable guy. Many times I'm polarizing. That's
what they found now. They love that for radio and TV.
But you know, I wasn't perceived as being touchy in Philly,
But I'm pretty touchy in Philly right now and today
with me, I have renew Home Innovations dot Com and

(36:33):
they do walk in conversions for showers, those old shobs
I call them shobs. They're tubs and showers. They're ugly
as hell, and they're doing beautiful custom walking showers. Nick,
real quick here before we move on to the calls.
I'm going to get you right now. But that porcelain's
got to be taken off. It's got to be. It's

(36:55):
the most beautiful. The porcelain sheets that you're doing, tell
me about it. How thick are they? They're six milimeter thicks,
so like they look like massive stone.

Speaker 17 (37:08):
Right they well, they put up a backing supporter so
that it creates a more rigid.

Speaker 3 (37:14):
Massive look. And the colors are beautiful, correct, correct?

Speaker 15 (37:18):
Now?

Speaker 3 (37:19):
Can you get any pastels in that someone wants to know?

Speaker 17 (37:21):
There's a lot of different patterns, but most of the
stone is designed to mimic.

Speaker 3 (37:25):
Real uh like, which is black and white or gray,
grays and black. It's beautiful. Now. Have people chosen to
do wains coating all the time so you do the
walk in shower? Do you have to call in someone
else or does your company take care of that? We
do the entire thing. So they say, by the way, Nick,
we don't just want the wains coating. Can you do

(37:46):
a double vanity here? Can you do all that we do?
We do vanities. We're doing a kitchen right now. Okay,
cool as renew Home Innovations dot com through three A
six two five five five four. We'll talk to him
in a minute. So Bob called in. Bob eight years
years ago had a fixed indextenuity. He's in his late
seventies and for some reason, he's thinking about doing something

(38:09):
with that money. The account value is two hundred thousand,
and I said, at this point in the game, the
annuity did its thing. He invested a one hundred and fifty.
He's got two hundred. Now why would he mess with it?
Why not just turn on the income stream. I'm going
to ask our expert, Joseph Keano my Moneymway dot com.

(38:34):
So what do you think, Joe, what would you do
if he came to you. He's already got an annuity
two hundred grand, fifty thousand in gain. He's seventy eight
years old. For goodness sakes, I don't know why he
would mess with it. He was thinking about cashing it
and investing the funds. Talk about that, Joe.

Speaker 1 (38:52):
Oh you know what, well, I don't agree with you.

Speaker 13 (38:55):
I believe that if Bob was actually to gosh indy
annuity at this point, it would be tactful, right, So
it wouldn't it wouldn't really be to you to his
best benefit. Then the other thing is that you mentioned
that the annuity is only eight years old. You know,
it's kind of nice to find out if there's a
surrender penalty that he would have to pay on that annuity.

(39:17):
Most most of the fixed indexed annuities they have between
ten to a sixteen year surrender penalty. You know, period, right,
let's just cash it in. You're going to lose money
by doing it.

Speaker 3 (39:30):
And on talk, that's a good point. Let's bring up
Bob along with Joe. So, Bob, why would you even
why would you even mess with it? At this point?
It's an annuity, it served you well. You could turn
on the income stream or even let it fester a
few more years. What is your thinking behind reinvesting that money?

(39:52):
What is your thinking?

Speaker 10 (39:54):
Okay, I don't know what you mean by turning on
the internal stream. And Joe, I'm only myself and my
wife came out and visited with you last year and
you turned this in onto fairway or reverse mortgages.

Speaker 13 (40:13):
Oh yes, yes, I did, Yes, I did, yes.

Speaker 18 (40:16):
Yeah.

Speaker 10 (40:17):
So I think basically we talked to you a little bit.
So Tom, what what we're doing is we need to
have some money coming in for a living expenses.

Speaker 3 (40:26):
Okay, Bob, Bob that I don't know if you have
a fixed index annuity. It sounds like you you say
you do, but you didn't even know what the income is. Joe,
explain what how an annuity works and explain the cycles
of an annuity or the phases of an annuity.

Speaker 1 (40:43):
Well, you bet, you know.

Speaker 13 (40:44):
Basically, Bobby, you know what happens is this when you're
buying an annuity and annuities as a as an account
that will give you an income for the rest of
your life.

Speaker 3 (40:53):
Okay, so you're buying, Joe, you're buying a future income stream.

Speaker 12 (41:00):
That's right, That is right.

Speaker 13 (41:01):
So that means that if you you actually put money
into the annuity girls tasty. Third, most companies have a
surrender period. I don't remember your account specifically, Bob, but
I think most companies between ten to fifteen years of
surrender penalty.

Speaker 3 (41:18):
And by the way, I want to make this clear,
Joe did not sell this annuity. He bought this prior
to meeting with Joe, and Joe is just giving us
expert advice right now. So let's talk about this then
if he turns on the income stream, there's no penalty. Bob.
What that means is when you took out the annuity,

(41:39):
isn't that why you took it out to begin with?
For future income?

Speaker 12 (41:44):
I thought that's what it was.

Speaker 10 (41:46):
But here again, my wife is the one that's done this,
so I'm kind of trying to on the Is.

Speaker 5 (41:51):
She around right now, Bob?

Speaker 19 (41:53):
No, she's not.

Speaker 10 (41:54):
She was, she was here earlier.

Speaker 14 (41:57):
What Karen are you here?

Speaker 10 (41:58):
Would you want to talk to Tom for a second?

Speaker 3 (42:00):
Please? What is her name?

Speaker 19 (42:01):
She is?

Speaker 10 (42:02):
Her name is Karen?

Speaker 3 (42:04):
Karen? Oh my god? Okay, Bob and Karen? Hell, hey Karen,
damn Karen. Listen. I want to sum up what Bob
told us, that you have an annuity with an account
value of two hundred thousand dollars. He's thinking about cashing
it in investing the money. And then he said in
another breath, they're looking you're the guys are looking for

(42:26):
extra income.

Speaker 5 (42:27):
Now, Karen, are you the one that took out this annuity?

Speaker 10 (42:31):
Yes?

Speaker 3 (42:32):
Okay? Do you understand that that annuity without cashing it
in and paying any surrender without having to pay taxes
on the lump sum. You can turn on the income
stream right now. Did you know that?

Speaker 15 (42:51):
No? I guess what do you mean by that?

Speaker 3 (42:54):
Okay, Joe, explain.

Speaker 10 (42:57):
It to them.

Speaker 15 (42:57):
I will need about about three thousand dollars a month.

Speaker 3 (43:03):
Well, okay, let me explain this to you. Okay, First
and foremost, the annuity is only going to give you
what the contract says they'll give you. And you're not
going to get three thousand a month if you cash
it in, if you invest, you're not going to get
that from the stock market.

Speaker 2 (43:21):
Joe, so.

Speaker 3 (43:24):
Fed more income. I heard you say you had a
reverse loan. Is that reverse loan maxed out?

Speaker 15 (43:33):
No? He wanted to get one, but he hasn't finished
the house yet.

Speaker 5 (43:41):
Okay, what do you mean? What do you mean finish
the house?

Speaker 3 (43:47):
Oh?

Speaker 15 (43:47):
Like turning a bathroom back into a bathroom wall.

Speaker 3 (43:52):
You don't have to do that. How much is your
house worth? Roughly? How much is what worth house? Roughly?
What is it worth? Oh?

Speaker 15 (44:05):
Oh, maybe four hundred thousand.

Speaker 3 (44:09):
Maybe what do you owe on it?

Speaker 15 (44:12):
Five hundred thousand?

Speaker 5 (44:14):
Wait, it's worth four hundred and you owe five hundred.

Speaker 15 (44:19):
No, he it's worth five hundred thousand, and I O seventy.

Speaker 3 (44:26):
Okay, good, you're an excellent candidate for a reverse loan,
and you do not have to wait for him to
finish it.

Speaker 5 (44:34):
He thinks he does, well, he doesn't.

Speaker 3 (44:38):
And we're going to get CMG Mortgage on. We'll get
CMG financialon to talk about it. So I want you
to hang on for that now, Joe. I don't know
why they're reluctant to turn on the income stream no
matter what Bob and Karen you have in that you've

(45:00):
built up. Joe didn't sell it to you, so he
can't calculate what your income would be. But certainly, Joe,
it's not going to meet her three thousand dollars a month, never.

Speaker 13 (45:12):
Require never on a two hundred thousand dollars annuity, you know,
eight years old. So I think the best bet would
be for Bob and Karen to actually call Is it
equitable that you met the annuity from Karen? Is it
a acqudible life insurance company?

Speaker 15 (45:31):
Done? Hen?

Speaker 3 (45:32):
Oh? John Hancott All right, okay, so could you do me?

Speaker 12 (45:35):
Just call them and call them and they will.

Speaker 13 (45:38):
Actually let you know what what you're guaranteed income stream
will be for the rest of your life.

Speaker 3 (45:44):
And don't you get a statement. Don't you guys get
a statement on that annuity at least quarterly. Well, yeah,
but let me tell you.

Speaker 15 (45:54):
I originally invested one hundred and fifty thousand. Since then,
they John Hancock, over the last fifteen years.

Speaker 7 (46:04):
Approximately, has been giving.

Speaker 15 (46:08):
Seven hundred dollars I'm sorry, eight hundred dollars a month
to Edward Jones for me to live on, along with
money from Edward Jones. So, okay, eight hundred dollars of money.

Speaker 3 (46:25):
So you have been getting income. So they have been
getting income from the annuity.

Speaker 15 (46:30):
Yeah, but I don't think I can increase it.

Speaker 3 (46:34):
No, you can't increase it by cashing it and investing. No,
you can't.

Speaker 5 (46:39):
And listen, that's why I haven't invested.

Speaker 10 (46:41):
Take it.

Speaker 3 (46:42):
I have an investment company, and I'm telling you straight up,
you will not make any money cashing it in and
investing it. Leave it the way it is. How much
are you getting from Edward Jones right now in total
income every month?

Speaker 15 (46:57):
Basically I am about to totally run out of income
from Edward Jones.

Speaker 3 (47:03):
You can't run out in the hold on. You can't
run out when it comes to the annuity. The annuity
pays income for life.

Speaker 13 (47:14):
Yeah, I think he Tom. I think she's talking about
maybe having an investment account with Edward Jones, and that
money is coming from that investment account and part of
the money is somewhere from the annuity.

Speaker 3 (47:25):
Yeah, is that right, Karen? Yes, yes, Okay, so the
investment part, the investment part is running out, but you're
still going to have the income being generated from the annuity.
But you should not have to pay any management fees
on that. That annuity should be sent directly to you period. Listen,

(47:49):
Edward Jones is not doing you a service, Bob and Karen.
You need to get your annuity directly sent to you
when the other money runs out. The reason it's running out,
they've simply been drawing it down and you're running out. Okay,
well guess what. That's life. You're going to run out

(48:09):
of money, but you will not run out of the income.
You will not run out of the income from the annuity.

Speaker 5 (48:18):
But you don't have to pay management fees.

Speaker 3 (48:21):
You need to tell Edward Jones or you need to
call John Hancock and simply get your statements directly and
start figuring out get If you have a statement from
John Hancock, you can email it to me. I'll have
one of my investment advisors look at it. We do
not want your business because you don't need us. You

(48:42):
simply need to draw the income from the annuity. And
as far as additional income, I'm afraid I don't have
any magic for you. The only thing I can tell
you for additional income is to go to a reverse loan.

Speaker 5 (48:57):
Because you have some pretty good equity. You know, you
might be able to do that so and.

Speaker 3 (49:02):
You don't have to pay it back. And Joe, I
don't know if we've ever even broached this subject, but
when you have people approaching eighty, if they got a
lump sum from their reverse loan, they could buy an
instant annuity, couldn't they?

Speaker 13 (49:18):
That is right, you know, they could buy any immediate
annuity just like Deputy duck it hash, you know, and
they can get an income thirty days after the depositors
made them to the annuity.

Speaker 3 (49:29):
Now it may not be your three thousand is not
going to be near that, but you would be able
to get some pretty good income. Or if it's enough money,
you can simply draw what you need, but remember if
you don't convert it to an annuity, you will run out. So, Karen,
if you need more help, send us a statement from

(49:50):
John Hancock along with your phone number and we'll get
back to you. I'm Tom Martine. This is a complicated call,
but it's very important. People. You need to know.

Speaker 5 (50:00):
Oh, retirement funds run out.

Speaker 3 (50:04):
Annuities are not a bad idea as you approach retirement
and want to turn it into income. Okay, I'm not
selling you to do annuities all the time every time,
nor do I believe personally they should be the first
thing you buy. They should be a part of your planning.
By the way, Joecannell, thanks for being here. He's at
my moneymway dot com. Go with a sure thing Denver's

(50:31):
best roofer Excel roofing dot com.

Speaker 2 (50:33):
You don't pay a cent until you're content.

Speaker 3 (50:39):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. I'm Tom

(51:07):
Martino and we're here with renew Home Innovations dot com.
We're accepting any and all calls on problems, questions and complaints.
Three oh three Martino will get you through the studio
three oh three six two seven eight four sixty six.
It'll also help you on the UH to get on

(51:27):
a future show. So if you call it any time,
day or night, leave your number, we will get back
to you. So we have Nick with us from renew
Home Innovations. I'll bring him up right now. And we've
been talking about the walkin showers and the bathrooms converted conversions.
Really beautiful stuff with the sheet the sheet porcelain, I absolutely,

(51:50):
I mean I love this product. Where can where can
this be used? I know you do the walkin showers,
you're doing waynes quoting in the bathroom. Where else can
it be used? Back splashes? Can it be used in kitchens?
You know?

Speaker 17 (52:04):
Solid porcelain can be used in many different applications, whether
you want to make it as a fireplace, feature wall,
a feature wall in your house, if you want to
do it as a as a backsplash for a kitchen.
I don't necessarily think it's a good product for kitchen
countertops as well. Okay, sure, but it definitely works for
a whole a lot of because of the pans and such.

Speaker 3 (52:26):
Now you're venturing into HVAC.

Speaker 17 (52:28):
Correct, correct, Yeah, that was my first life. You know,
we did heat and the air conditioning for twenty five
thirty years.

Speaker 3 (52:34):
And so do you have do you have.

Speaker 5 (52:38):
All the home services or just heating and air or what?

Speaker 17 (52:41):
Well, we've always we've always you know, been a licensed
plumbing contractor just being a bathroom company.

Speaker 3 (52:47):
So we do plumbing service work. And now we're venturing
back into the HVAC space. So you'll do plumbing of course,
heating and air. Yes, not electricity yet, no plumbing, heating
and air. Okay, So your boutique firm right now, of course,
and you're you you hope to grow, but uh what uh?

(53:08):
What how do you operate? Do you have a free diagnostics?
You have call fees? Where do you have uh any
kind of flat race? Do you have maintenance? What do
you do? All the above? All the above? So we
to get someone out to check and see what you
need and to diagnose would be what would there be
a price so that you have a standard call charge? Yeah,

(53:28):
we have a flat rate. We're running a flat rate price.
What is that program? Uh? Well, it's based off of
the off the product of the service. So if someone
calls and wants their AC check right now or their furnace,
do you have a flat rate for that check up?
You're you're developing them. Yeah, it's all in developments right
now as we speak. Okay, So Kent has a question
on a car warranty. Kent, what's happening with you? Hello, Kent?

Speaker 10 (53:53):
Can you hear me?

Speaker 1 (53:53):
Okay, I can hear you.

Speaker 3 (53:55):
Just find Kent? What's going on?

Speaker 7 (53:56):
Bro?

Speaker 3 (53:57):
What's going on? So?

Speaker 1 (53:59):
I and looking at buying a vehicle from a dealership
and the vehicle came from a car rental thing originally
and it never got put into service on the twenty
twenty four pickup that only had eighteen miles on it.

Speaker 5 (54:20):
Wait a minute, what kind of pickup is it?

Speaker 3 (54:24):
It's a Dodge are you kidding me? And it has
how many miles?

Speaker 1 (54:29):
Eighteen?

Speaker 3 (54:31):
Literally eighteen miles? So yeah, are you getting a special
deal on this?

Speaker 15 (54:38):
Well?

Speaker 1 (54:39):
I don't know how special it is.

Speaker 3 (54:41):
Yet what would this let me ask you this, what
would this truck or what did it self were new?

Speaker 1 (54:51):
I don't know that. I do have a car back
and brand newman or a twenty twenty five right now.
You can get them for about seventy five thousand.

Speaker 3 (55:06):
Okay, and they want fifty six.

Speaker 5 (55:10):
For the sixty six grand.

Speaker 3 (55:13):
Yeah, that seems a little steep for a twenty twenty
four even though low mileage? Is this still under warranty
of any kind?

Speaker 1 (55:23):
That's what I'm That's when I'm calling you. So it
was it was bought by a originally by a car
rental thing.

Speaker 5 (55:33):
What car rental place was it purchased by that?

Speaker 1 (55:36):
I don't know. It was in Utah, and it was
never put into service, as my guess, and that's the
reason why.

Speaker 3 (55:44):
Well there might be another story there. It might be
a lemon. I mean, you got to be really careful.

Speaker 1 (55:50):
Look, well, and that's what.

Speaker 3 (55:52):
Here's the deal, Okay, here's the deal. You say, a
new one is running what right now? Twenty twenty five.

Speaker 1 (56:00):
Passionately seventy five thousand.

Speaker 3 (56:02):
For the time, okay, and they want sixty six. They
want sixty six for this one, right, that's correct, you're
too close to a new one to pay that for
a what's going to be a three year old car.
If you can buy a new one for just basically
nine grand more, you may want to negotiate on the

(56:24):
new one and try to get a little lower. I'm serious,
you may want to do that.

Speaker 1 (56:30):
Well, I will negotiate before I ever the car back
retail value says it's sixty eight thirty.

Speaker 3 (56:39):
You mean that's what it's sold for.

Speaker 1 (56:42):
No, that's what it's a car back's retail value.

Speaker 3 (56:46):
Well, here's what I think. Here's what I think if
you could get do you know what model Dodge it is?
What is it? At twenty five thirty four?

Speaker 8 (56:54):
What is it?

Speaker 1 (56:55):
It's a Landami, It's a diesel or will drive? Oh, Laramie, Yeah,
it with Laramie trim package.

Speaker 3 (57:06):
Okay, those are beautiful and but but I need to
know a little more, like it's a Laramie trim package.

Speaker 5 (57:13):
But what size engine and all that?

Speaker 3 (57:16):
What?

Speaker 10 (57:16):
What is it?

Speaker 3 (57:17):
How many tons?

Speaker 1 (57:19):
Six point seven? It's a twenty five six point seven
turbo depot.

Speaker 3 (57:25):
Okay, that's nice. Now what I'd like to do I'd
like to do some research on this. I'm thinking though
that it might be a little high. I would be
a player at fifty eight with that. Are they willing
to negotiate anything?

Speaker 20 (57:47):
Yeah, I haven't really done anything.

Speaker 1 (57:49):
They've got a car, fact and but they you know,
they want to keep there as long as possible. But
I live in Loveland and the vehicle is actually at
it's called the Prep Ranch again in Frederick.

Speaker 3 (58:02):
Okay, now here's what they're saying. In my research of
the car sites a Laramie trim twenty twenty four to
twenty five hundred, you had the MSRP of sixty one.
That was what they sold for, and if you were

(58:24):
loaded with features, it might go as high as sixty eight.
It says that right now a good price would be,
you know, obviously depending on mileage, around fifty three. I
got to tell you yours would be higher. I would
say than that. But I would never pay sixty six ever, Yeah,

(58:49):
I won't. But if you can get that sucker between
i'd say fifty four and fifty eight, you might have
yourself a good deal. And just tell them straight up,
you know, the best way to negotiate.

Speaker 5 (59:06):
Is when you're not jones in for something, right, really?

Speaker 7 (59:12):
Yeah, So I don't have to have it.

Speaker 3 (59:14):
You can go as high as sixty one five. Look,
don't do sixty six. And and by the way, there
are plenty of new trucks in that category, even in
that sixty six thousand mark. You know, are you do
you have your heart set on a Dodge?

Speaker 1 (59:31):
No, I don't. I don't even care. I just I
just need a diesel to quote my camper.

Speaker 3 (59:39):
Then you need to start looking around because you got
a good hunk of change. Are you financing it?

Speaker 6 (59:45):
No?

Speaker 3 (59:47):
Okay, you want to tie up all that capital and
pay cash?

Speaker 1 (59:52):
Right, yeah, okay, I'm you know what, I'm towards the
end of my life.

Speaker 3 (59:59):
And I'm well, how old are you? Man? How old
are you?

Speaker 1 (01:00:02):
Sixty three?

Speaker 3 (01:00:04):
Sixty three? And you're saying you're near the end of
your life. I don't I'm going to slap you across
the head.

Speaker 1 (01:00:12):
Well, I'm a lot closer than I was yesterday.

Speaker 3 (01:00:15):
Yeah, we all are right. And look, if anyone is contemplated,
if anyone has contemplated mortality recently, it's been me. But
I don't think you're anyway. But I wish you the best. Well, yeah,
so this is my this is me.

Speaker 1 (01:00:29):
I have in sixty three years. I've had three vehicles
in my entire life.

Speaker 3 (01:00:34):
I address what You've owned only three vehicles in your
whole life? They investment, They're terrible investments. They're not meant
to be an invest an investment at all.

Speaker 1 (01:00:46):
That's why I've only owned three of them.

Speaker 3 (01:00:49):
Well, listen, you must have done something right though. If
you've only owned three, that means you milk the hell
out of them.

Speaker 1 (01:00:56):
I do. I drive until the wheels fall off.

Speaker 3 (01:00:58):
Okay, I would start looking around for new unless you
can get that from fifty eight to sixty one. Just
earmark that. I'm Tom Martino. We have more coming up
on the Troubleshooter Show. Go with a sure Thing Denver's
Best Roofer Excel Roofing dot com.

Speaker 2 (01:01:20):
You don't pay a cent until you're content.

Speaker 3 (01:01:25):
Time for an insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out Now three o three, seven to
seven to one help. You'll think you're his only customer
when you choose Frank Durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi, I'm Tom Martino.

(01:01:54):
Let's talk to Debbie Mark Major Mark Majors joining us.
I'm not sure if I got us. Hey realm Rick.

Speaker 21 (01:01:59):
That Deborah one I heard you talking to earlier with
the her husband died. Right, Yeah, we had we had
Mackenzie on last week, but there was new information when
she was back on today. We did not know last
week when we had Mackenzie on she signed an agreement.

Speaker 3 (01:02:18):
Yeah, Prena got married, right. Yeah, we had them on
again and we recap that for those listening. It's always
good to recap anyway. And yeah, that prenup changes everything.

Speaker 21 (01:02:29):
I think she's getting ased out. She's lived in that
house fifteen years. Sixteen years, she got aced out everything. Man,
She's basically going to be homeless. It's crazy.

Speaker 3 (01:02:38):
She would have had fifty percent of the estate.

Speaker 5 (01:02:40):
Hey, Debbie, what's going on?

Speaker 3 (01:02:42):
Debbie? What's happening? Yeah?

Speaker 22 (01:02:46):
Tom, I got a group on from Doctor Carpet and
it came and cleaned my carpet seven hundred and fifty
square feet, but on a portion of it they left
the stain. I called them. They came to clean the stain.

Speaker 3 (01:03:02):
Let me ask you this was it a stain?

Speaker 5 (01:03:04):
Was it a stain that was there? Or did they
make the stain?

Speaker 22 (01:03:09):
They made the stain?

Speaker 3 (01:03:12):
Oh, they made a stain. Well how did they make
the stain?

Speaker 22 (01:03:17):
I don't know if they put some kind of solvent
or whatever. But when I called them, they came to
redo take the stain out, but they never got it out.
And the man yelled at me and said, this is
just an old carpet. But the stain had not come out,
has not appeared anywhere on the other seven hundred and

(01:03:38):
fifty square feet.

Speaker 3 (01:03:39):
This is three by three three by How bad is it?

Speaker 22 (01:03:46):
It's bad enough that it shows it's a.

Speaker 2 (01:03:50):
Household of it.

Speaker 5 (01:03:52):
Yeah, how old is your carpet? How old is you?

Speaker 3 (01:03:55):
First? Mark asked for a picture of the years. It's
fourteen years old. Okay. I don't know why there would
be a stain. Did they admit making the stain or
did they pull it up from under?

Speaker 5 (01:04:08):
I mean, I don't know. I mean we'd have to have.

Speaker 3 (01:04:10):
An analyzed by an expert. But how bad is it?

Speaker 5 (01:04:15):
Like when you walk into you go, oh my goodness,
what's that?

Speaker 21 (01:04:18):
If I can get a picture of it, I'll send
it over to one of our experts to look at.

Speaker 22 (01:04:23):
Okay, I'll have to take the picture.

Speaker 3 (01:04:26):
Then.

Speaker 19 (01:04:28):
How much.

Speaker 21 (01:04:30):
Group on always make me nervous? Would you buy like
a group on for skydiving?

Speaker 22 (01:04:38):
Well, I don't know about skydiving, but I have used
group on before and I've been okay about like.

Speaker 3 (01:04:45):
Or something. I'll tell you what I don't know. Okay, Debbie,
I want you to send over a picture. We're going
to put you on hold. Thanks. Three oh three seven
one three talk seven one three eight two five. I've
Kent has more questions about his car warranty. He said
he's looking for a dealership. He located a twenty twenty

(01:05:07):
four Dodge Laramie twenty five hundred turbo diesel pickup with
eighteen miles on it. That's suspicious. But the twenty twenty
fives are running around seventy five grand, and they want
sixty six grand for that used one. And I told

(01:05:30):
him that high retail would be sixty one fifty eight
would be a good price. So what other questions do
you have, Kent?

Speaker 1 (01:05:40):
Well, it wasn't about price. It was about the warranty.

Speaker 3 (01:05:44):
Okay.

Speaker 1 (01:05:45):
If I look at the car back, it looks like
that the rental place mocked the vehicle February of twenty
and twenty five, and so when did the warrant? I
assume that the warranty is transferable to me, and so

(01:06:06):
it would be three years or whatever the warranty is.

Speaker 5 (01:06:08):
Well, I don't know what the warranty is.

Speaker 3 (01:06:10):
Whatever it is, it stays with the vehicle. Yes, very
seldom do they end. But it doesn't start when they
bought the car. It starts from its in service state.
It usually corresponds with when they buy it. But you
could technically have a vehicle. It's hard to explain where

(01:06:32):
the warranty started ticking already. I you know. But if
you're wondering about the warranty, simply called Dodge and ask
him is this under warranty?

Speaker 1 (01:06:42):
And when? Okay? And what does it take to get
it transferred over upon sale?

Speaker 3 (01:06:50):
Upon sale, you simply sign up with the manufacturer. That's
not required, and you will have a warranty mark. You
never had to actually sign up when you bought are
he not bought ues? But the people that buy from you,
they don't have to sign up, do they? What do
you mean sign up by missing to.

Speaker 5 (01:07:10):
Get their warranty transferred no.

Speaker 3 (01:07:13):
No, no.

Speaker 21 (01:07:14):
So like Hondi and most manufacturers, the zero the bumper
to bumper should follow the car until it expires. But
with Hondi, Ki and some of the other ones, the
powertrain the one hundred thousand mile does not follow it
unless you buy it certified from a Hondai or Kia dealer.

Speaker 3 (01:07:34):
But if he bought a Dodge or a Chevy or
something like that and he buys it, doesn't the I
think the purchase is all he needs to do. I
don't think he has to register with it. He doesn't
have to register it.

Speaker 21 (01:07:45):
It follows a vehicle until it's out of warranty unless
Fitzman flagged in the system for whatever neglect.

Speaker 3 (01:07:51):
Okay, and uh that's major mark major ed. And you
can call it up to Dodge.

Speaker 21 (01:07:57):
You can call up their customer service number you don't
have and they'll what I'm saying, a warranty status.

Speaker 3 (01:08:03):
It's no big yea and they would they would gladly
verify a warranty status. So Ken just remember the pricing though,
see if you get that cheaper and you're within spitting
distance of a new one, if they don't go down,
so you might want to consider even some other brands too.
I mean, Dodge is okay, man, if you could get
a Toyota Tundra, Man are they They're probably the best

(01:08:25):
pickup on the market. And I know a lot of
my friends who love American made are saying, how dare you?

Speaker 13 (01:08:30):
Tom?

Speaker 3 (01:08:30):
But man, do they have great stats?

Speaker 1 (01:08:35):
Camper?

Speaker 3 (01:08:36):
Yeah, I get it, Thank you, Kent, Debbie. We're waiting
for her to send that picture. Oh do I have
to take a break? Guess I do? So we have
more coming right up? Hold on 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

(01:09:00):
cup 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.

Speaker 21 (01:09:35):
All right, three oh three seven one three eight two
five five Did we get those pictures yet?

Speaker 3 (01:09:40):
Yeah? Yeah, I got them. I mean, she's working on it.
I think she's having a little trouble getting that across her. Well. Anyway,
we're waiting for those pictures on a stain left behind
by doctor carpet. Not sure what those stains are. Pretty
sure it's not body fluids. She has an old carpet,
but he they left disdain, So this is a novel

(01:10:02):
approach to carpet cleaning. They come and leave a stain,
So I wonder.

Speaker 21 (01:10:08):
If something wicked up through the padding, or could have happened,
something's amiss.

Speaker 3 (01:10:14):
Something, or it could have been they left the machine there.
And hey, did you did you see that picture of
that guy Gallagan? I sent you that. Uh, everyone is outraged,
as everyone should be. This story was picked up by
the New York Post a trans every all charges were

(01:10:36):
dropped trying to kidnap a kid during elementary school recess.
He's a known registered sex offender, but Colorado let him
go to do it again and again.

Speaker 5 (01:10:49):
You know, I can hardly recognize you can murder people.

Speaker 3 (01:10:53):
Go with a sure thing Denver's Best roofer Excel roofing
dot com.

Speaker 2 (01:10:57):
You don't pay a cent until you're content.

Speaker 3 (01:11:01):
Wave 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 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 9 (01:11:31):
D news de need.

Speaker 3 (01:11:33):
Advice so you don't have.

Speaker 9 (01:11:36):
Come run anxious.

Speaker 3 (01:11:37):
As fast as we can.

Speaker 23 (01:11:39):
Show Shooter's gonna help come Man Dix is the Troubleshooter Show.

Speaker 3 (01:11:46):
Now Tom Martine. Hello, I'm Tom Martino. Welcome to the show.
This hour brought to you by renew home Innovations dot
com for beautiful conversions to walk in showers from those
old ugly cub shower combos three h three eight six
two five five five four And we have Nick with

(01:12:07):
us today. We'll be talking to Uh. We're waiting for
a picture of this stain that doctor carpet left behind
Kaschina saying that Debbie has a little tech what do
you call it? Special needs when it comes to tech.
Mary has a question about a quit claim deed.

Speaker 5 (01:12:27):
A lot of people call them quick as in fast.

Speaker 3 (01:12:30):
The actual name is quit as in I'm quitting my
claim and transferring whatever claim I have to you. They're
the most misunderstood real estate instrument I think there is,
because they really only they only transfer your interest. There

(01:12:51):
is not there are. There were people selling quit claim
deeds to property they did not own, and it was
not fraudulent because what the quit claim deed says is
whatever ownership rights I have in this property, I'm quitting

(01:13:11):
and I'm transferring to you. So if your ownership interest
is zero, then you're transferring nothing to someone. So quit
claims are very, very loose, weak instruments. Mary, what is
your question or concern about a quit claim?

Speaker 20 (01:13:29):
Yes, I do.

Speaker 24 (01:13:30):
Can you hear me?

Speaker 3 (01:13:32):
I sure can? Mary?

Speaker 24 (01:13:34):
Okay, great, just.

Speaker 20 (01:13:36):
A quick question.

Speaker 24 (01:13:37):
We're going this afternoon to the.

Speaker 20 (01:13:38):
Courthouse to do one of these.

Speaker 24 (01:13:42):
I've been with my boyfriend for twenty five years. We're
the only soul.

Speaker 20 (01:13:46):
People left in our families.

Speaker 24 (01:13:48):
We have no children, we have no parents, no sprothers, sisters,
no one. And we're putting each other's names on each
other's deeds. And I don't know whether to put joint
tendancy or the joint survivor one is the survivor one only.

Speaker 7 (01:14:06):
If there's two or more people, I wouldn't do either.

Speaker 3 (01:14:10):
What I would do for you, guys is you guys
should do beneficiary deeds for each of you. Okay, a
quick claim is going to get you. Let me explain this, Mary.
If either of you die and you take control of
his place, you will get his original basis, which means

(01:14:33):
almost anything you sell it for will have a capital
gains tax. If you do a beneficiary deed, you're accomplishing
the same thing. You don't own it now, but upon
the day of his death, you own it, and you
own it based on the date of death value. So

(01:14:55):
if you sell it afterwards, your capital gains will be
either nothing or next to nothing because you will have
such a high basis. When you do a quit claim
deed to someone, what you're doing is you are conveying
it and they are inheriting it as if they had

(01:15:18):
it from the beginning. Do not do a quit claim deed, Mary,
couple things can I step in? Go ahead?

Speaker 21 (01:15:25):
Mark, Go ahead, Mark, I agree for tax purposes everything
you said for one hundred percent, but it would be
joint tenancy to answer your question. Then, if one of
you pass, the other would automatically own that person's part
of it. But interesting enough, from what she said, Tom,
and tell me if you agree or not, it sounds

(01:15:45):
like they want to do it right now while they're living.
Therefore they both own, you know, half of each other's
homes compared to when one dies, because if they did
it right now and one of the other ones gets
a boyfriend or gets married, that could literally change in
a will. It could change any anyway besides actually doing
it while they're both alive.

Speaker 3 (01:16:07):
Yes, well they've been together twenty five years. Look, if
it's a matter of trust and you're trying to quit claim,
so what you'd be doing, Mary is you'd be quit
claiming Mary's house to Mary and John, and John would
be going from John Mary and John. But I'm just

(01:16:31):
saying something. What Mark is saying is ultimately the truth
in that you will be you will not have ownership
until the day of death. If you wanted to accomplish
ownership before the day of death, or excuse me, if

(01:16:54):
you want to establish ownership now before death. There are
other ways to do it, and one of the ways
is an LLC where both homes are in there. You
really need to consult someone. In fact, I would love
to bring up Dan McKenzie one more time to go
over this because truly or you really want Mary probably

(01:17:17):
those taxes, those taxes are a big deal. They're a
big deal. Okay, yeah, because that becomes ordinary, I mean
not ordinary, but that becomes capital gains taxes. And if
you can simply do an instrument that would give you ownership. Now,
so are you saying what Mark said? Are you saying

(01:17:38):
it's more than just leaving it at death. We both
want living interests now, well we do.

Speaker 20 (01:17:46):
But we know it's more about death. It's like we
don't want our properties, either one of us, to go
to the state because then you want to.

Speaker 3 (01:17:54):
Do what Tom said, well, that you want to set
up a beneficiaries deed. And by the way, your houses
will never go to the state. So I don't even
know what you're talking about.

Speaker 21 (01:18:04):
Now they'll find like a cousin ten times down or
whatever the lineage is.

Speaker 3 (01:18:08):
Oh, but it's I would do. If all you're concerned
about is death, you should do a beneficiaries deed because
it saves on taxes. But if you're concerned right now
that both that you both own each other's houses now,
so one can't go out and get a loan without
the other or something like that. Are these houses paid off?

Speaker 20 (01:18:32):
One is and it's down in Highlands whatever, I forget
what that it's called off, like thirty fourth in federal
and the other one I owe one hundred and seventy
thousand on it and it's.

Speaker 10 (01:18:46):
What is about four fifty?

Speaker 3 (01:18:48):
Okay, So you're definitely wanting to preserve date of death valuations.
So the quickest thing is a beneficiaries deed on each
of them. But I still would love to get Dan
McKenzie on to talk about, Uh, preserve is preserving date

(01:19:12):
of death or today's value on a house with ownership
with a media ownership as opposed to But but you're
you're saying that doesn't concern you that much, so you
might want to still listen. I'm Tom Martinez. Let's talk
to David now. He's got an issue with a car dealer.

(01:19:34):
What's going on, David? David H we'll have to move on.
If David is not there. Debbie, Oh no, Debbie is
the one we're waiting on that that picture so it
looks like we don't it. Guys, can you commune I've

(01:19:56):
got them. I'm setting them right now. Just be patient
with me. What about David? This has nothing to do
with patients. It's whether he's on the line or not.
Is David on the line or not? You know, we
hear the name Groove more than we don't, it seems.

Speaker 5 (01:20:12):
Yeah, David, Hey David, what's going on?

Speaker 25 (01:20:17):
By Tom?

Speaker 3 (01:20:18):
What's happening?

Speaker 8 (01:20:20):
Well, I've put some money down waiting for a car
to come in with Group Toyota, and they use the
credit card and the cards come in and I want
to pay for this car with credit cards. I have
enough credit on my credit card.

Speaker 3 (01:20:35):
They're not going to let you do that. Who's not
the dealership?

Speaker 21 (01:20:40):
Most dealerships will take twenty five hundred maybe on a
credit card.

Speaker 3 (01:20:43):
Really, Mark, why is that?

Speaker 21 (01:20:45):
Because they get hit with three percent? I mean it's like, oh,
what what is the issue with you?

Speaker 3 (01:20:52):
David? What is the issue?

Speaker 10 (01:20:55):
Why?

Speaker 8 (01:20:55):
I said add that to the price. I really want
this car, Go ahead and add it.

Speaker 3 (01:20:58):
I know, But what did they say? Why won't they
If you're willing to pay a little extra to cover
the fees, why won't they let.

Speaker 20 (01:21:04):
You do it?

Speaker 8 (01:21:05):
Because they said, I will dispute every card.

Speaker 21 (01:21:09):
Oh, Hey, that's possible too. They sign over the title,
they're going to have a hell of a time getting
it back. They'd have to take them to court if
he disputed.

Speaker 3 (01:21:18):
It's my real issue.

Speaker 8 (01:21:21):
The bottom line is getting my thousand dollars back from them.

Speaker 5 (01:21:25):
Well wait a minute, they're not doing anything wrong.

Speaker 3 (01:21:29):
You're the one. You're the one saying to them you
don't want to pay them in US tender. You want
to pay them with credit cards. They don't have to
accept any form of payment. So what it depends on
how your deposit agreement was written. Was it written as
a non refundable deposit or a regular deposit or was

(01:21:50):
it actually a down payment with a balance due. We'll
explore that coming up. 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. Time for an

(01:22:11):
insurance check up, free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three oh three, seven to seven to
one help. You'll think you're his only customer When you
choose Frank durand the Real Estate man dot com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hey, I'm Tom Martino, your

(01:22:36):
troubleshooter three O three seven one three A two five five. Debbie.
We see this picture from doctor Carpet and the stain
they left, Marcus, you.

Speaker 22 (01:22:50):
Do it just so it's in a dark area.

Speaker 21 (01:22:53):
No, I'm reddish if I yeah, it's reddish. If I
look at it as the attachment and don't open the
full picture, I see it easily. It's like it's almost
like red wine was there and he came back up.
But you're saying nothing was ever spilled.

Speaker 8 (01:23:06):
There, never, never.

Speaker 21 (01:23:10):
Well, we're going to have our expert look at it.
I mean, I can't imagine what a carpet cleaner could
have done.

Speaker 3 (01:23:16):
You know what.

Speaker 22 (01:23:17):
I sent him a registered mail saying please get back
with me to the owner and I got nothing.

Speaker 5 (01:23:25):
Yeah, you know what, I think. Mark thinks that clean
pro can get it out.

Speaker 21 (01:23:33):
Well, he's looking at the pictures now. We're going to
try to get him on. It'd be interesting if he
could get it out or.

Speaker 3 (01:23:40):
Knows what it is.

Speaker 21 (01:23:41):
But let's try to call the people she's talking about.
Kelly let's try to get him on and see what
they say about it.

Speaker 3 (01:23:48):
And meanwhile, if you're thinking about clean Pro, Mark is
like blown away by them. And they do a dry
cleaning system basically with two different different substances or chemicals
that attract dirt to the bonnet. And Mark said it
was incredible at his house. Yeah, we've used them. We've

(01:24:12):
used them twice. It's so quick drying, it's crazy. But
more importantly, it works. And I have to tell you
about some of these carpet cleaners I've learned. I know
they'll they'll come out on a special like, oh, one
hundred bucks for three rooms or whatever it is, and
they get out there and they're like, well, you know what,
you've got a dog, or you know what, that room's

(01:24:34):
too big or that area is this next thing? You know,
they're quoting you five or six hundred.

Speaker 21 (01:24:38):
Bucks in our case almost one thousand dollars with one
of the people.

Speaker 3 (01:24:44):
I totally agree. I don't like that that Lost Leader
stuff where they try to talk into that and we're
just trying Denver.

Speaker 5 (01:24:53):
Clean Pro doesn't do that.

Speaker 21 (01:24:55):
This guy that owns clean Pro will, he said, any
day of the week he will go up against any
hot water extractor. They can bring out whatever carpet they want.
We can pour whatever we want on it right at
the station on the whole thing. He'll clean half, they'll
clean half, and his half will be way better than

(01:25:17):
anything hot water extraction can do.

Speaker 5 (01:25:21):
Kelly Kachina, you on to talk.

Speaker 3 (01:25:24):
Now.

Speaker 18 (01:25:25):
I'm just trying to figure out if you want me
to get doctor Carpet on or if you want me
to get the clean.

Speaker 3 (01:25:32):
Pro both both. No doctor carpet. We want to ask
him what that stain is and what they plan to
do about it, and then we will get clean Pro
on once they examine that stain and give us an
idea of what's going on. So thank you on both
of those. And then when you get a chance, we'll
get Dan McKenzie on to talk about different changes of

(01:25:55):
ownership and homes and preserving the date of death value
as opposed to go going back to the original basis.
All right, David, I want to go back to you.
David put down a thousand bucks with a credit card
on a car purchase. He wants to pay the balance

(01:26:16):
with credit cards, but the dealer will not let him
because they are afraid he will dispute it. So now
he wants to back out of the deal and he
can't get his deposit back.

Speaker 5 (01:26:29):
Are they refusing to you give your deposit back?

Speaker 3 (01:26:32):
Correct?

Speaker 8 (01:26:33):
It said absolutely not. In fact, just to test the waters,
I remember the original contract and they said, if you
back out this one, you can apply this to another
new car or another car, no new or use. And
now they're saying, no, that's not even an option. And
I didn't argue with him on the phone.

Speaker 21 (01:26:50):
Well, what does it actually say. Don't you have a
copy of it? It's either refundable or it says it's
non refundable.

Speaker 8 (01:26:56):
Well, say it's non refundable.

Speaker 3 (01:26:58):
But oh it does. Wait a minute, you did You
did sign a non refundable agreement.

Speaker 8 (01:27:05):
Right, Well, as far as I know, I'm not looking
at the contract I should be looking at now as
I speak with you.

Speaker 3 (01:27:11):
Was it a purchase contract or was it simply a deposit?
There's two different things. It was.

Speaker 8 (01:27:16):
It was simply a deposit when this particular car comes in.

Speaker 3 (01:27:20):
So there was no price put on the car or anything.

Speaker 8 (01:27:24):
No, No, that's correct. Only gonna say they weren't going
to go above lift.

Speaker 3 (01:27:28):
There's two things going on.

Speaker 21 (01:27:29):
I think One, they're not going to get the financing
money because you're basically paying off the vehicle.

Speaker 3 (01:27:35):
But two, the.

Speaker 21 (01:27:37):
Credit cards you have, why not reach out to the
credit card company and see if they'll let you do
a check on it, and then you can write.

Speaker 3 (01:27:44):
Them a check. I don't think they're going to be
able to argue a check. That's a good idea to.

Speaker 8 (01:27:51):
Run a check on it. I don't understand running a
check on the credit.

Speaker 3 (01:27:54):
Well, what they mean is some credit cards will let
you write a check and it's like a cash advance almost.

Speaker 8 (01:28:01):
So, Well, this deposit was left back.

Speaker 19 (01:28:05):
In May tom a couple of things.

Speaker 25 (01:28:07):
If David wants to email me whatever he signed regarding
this deposit, I'll be happy to read it right now,
and I'll be able to provide some insight into whether
it's refundable, or if it's a deposit, or if it's
an actual car order.

Speaker 19 (01:28:19):
So that will help.

Speaker 25 (01:28:21):
And I have a feeling that the reason David wants
to put it on his credit cards is because yeah,
he wants the mileage or the points or the rebates
or whatever. That's not going to happen with a check
against credit card. In fact, they treat it like a
cash advance, and they're going to charge him three to
five percent for writing a check against his credit card
line of credit.

Speaker 21 (01:28:40):
Well, Dimitri, I agree with you with everything, but let's
not forget you might be able to call up this
dealer and get his thousand bucks back by luring them
with a pizza.

Speaker 25 (01:28:53):
The secret weapon that we deployed last week. Let's start
with whatever David signed. David, can you please email it
to us right away and I'll read it before the
show ends, and I'll provide some insights and possibly called
the dealer.

Speaker 8 (01:29:06):
Okay, that's what I'm hoping you call it.

Speaker 10 (01:29:09):
Call it.

Speaker 8 (01:29:10):
It's gonna take me two minutes to get home and
find that original.

Speaker 3 (01:29:14):
You know, I've never heard of non refundal deposits, man,
that it sounds to me like it's more of a
contract to buy. Was this a new car or used
new new?

Speaker 8 (01:29:23):
And then okay, yeah, if then one one would come in,
they couldn't even guarantee that they would even get one
in a lot.

Speaker 21 (01:29:30):
They're missing a lot of money too. That financing is
probably two or three grand. That might be the real deal.

Speaker 19 (01:29:37):
Please email it to help a troubleshooter.

Speaker 3 (01:29:39):
But you could do you know what you could do, David?
You could probably get the loan they want to give
you and then pay it off with the credit cards.

Speaker 12 (01:29:52):
Well, they I don't.

Speaker 8 (01:29:53):
Qualify a loan. Oh my income's awesome.

Speaker 3 (01:29:58):
How much credit do you have on credit cards? Out
of curiosity, Tom, you were talking about a bank.

Speaker 21 (01:30:05):
Hold on, guys, you were talking about a bank or
a credit card that was doing zero percent rollover on
credit card balances or something like that, right, was.

Speaker 3 (01:30:15):
Right, Yeah, that's that's a real deal. There's one that
they're doing a great job on that. And I can
actually find it for him that it's a zero rollover
of Yeah, hold on, I'll find it right here. I
have it right here. In finance, let's see no inter
hit it is no interest transfers.

Speaker 5 (01:30:35):
The best one is discover it.

Speaker 3 (01:30:39):
They do a zero introductory APR for eighteen months for
any balance transfers.

Speaker 5 (01:30:45):
Wow, so he'd be able to get eighteen months.

Speaker 25 (01:30:48):
On his on his car if he qualifies free if
he qualifies for the credit card.

Speaker 19 (01:30:54):
Because the caller said he's not. He thinks he's not
going to be able to qualify for a car loan.

Speaker 25 (01:30:59):
But I disagree. He has this much credit available on
his credit cards. They're probably gonna be able to finance him.

Speaker 8 (01:31:06):
Yeah, they wouldn't even drive it because I have my income.

Speaker 21 (01:31:11):
Is what the hell are you buying a new car for.
Let's let's go right there. Well, first, you have no income,
why are you buying a brand new car?

Speaker 3 (01:31:20):
He does have income, he can't substantiated, he said, right correct,
what kind of income? What kind of income do you have?
He is a jiggalo, Yes, pretty much.

Speaker 8 (01:31:32):
I drive for a living, so I'm independent contractor what
do you drive?

Speaker 3 (01:31:39):
I drive a taxi cab and and you can't substantiate income.

Speaker 8 (01:31:45):
I can substantiate some of it, but most of its cash.

Speaker 3 (01:31:49):
Yeah, I get it.

Speaker 19 (01:31:54):
Well, let's start with that paperwork. I'd love to read
it and I'll help Bill.

Speaker 3 (01:32:01):
Yeah, well we'll start and see what happens. Three oh three,
seven to one three talks seven to one three, you
know eight two?

Speaker 21 (01:32:09):
Yes, Mark, So if you look at it's so funny
we're talking carpet cleaners. If you look at the YouTube,
there are so many people that we're talking the exact
thing I was. They this one said, Tim said, I
had zero res out one hundred and fifty dollars deal
turned into over six hundred. Another one said that company

(01:32:31):
really irritated me because the price went up, but then
after that they asked for a tip.

Speaker 3 (01:32:37):
That's crazy. Wow, Listen, try out Denver clean Pro. Find
them at referralss dot com. Their number is three oh
three nine zero three twelve sixty one. They have a
revolutionary system. I'd like to get them on to explain

(01:32:58):
what that happm at for that challenge too.

Speaker 21 (01:33:01):
I want to have him out on air and if
he's willing to call out any hot water extraction company
on the air, but I'd like to time t in.

Speaker 3 (01:33:08):
It'll show up.

Speaker 5 (01:33:09):
But I'd like to talk to Denver clean Pro today
if we can.

Speaker 3 (01:33:13):
I'd like to ask him more about his extra, his
methods and how it works. By the way, Frank around,
the real estate man will do a free evaluation of
your home to see what it will sell for on
the market, what you'll get, what you'll net, what you
can buy. All of that is free of charge. It's
complementary and it's the service he offers and there is
no obligation. You'll get a real deal price on what

(01:33:36):
he knows after thirty years of experience taken into consideration
your house. Get that free evaluation three zero three nine
two zero sixteen twenty two. Frank around 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

(01:33:58):
until you're content. Time for an insurance check up free,
no obligation in comparison, call Compass Insurance. Paying too much
your coverage at dozens of insurance companies find out now
three all three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand
the real estate Man dot com to list your home

(01:34:19):
with Remax Alliance three all three nine two zero sixteen
twenty two about one. Hi Tom Martino here three O
three seven one three talk seven one three seven one
three eight two five five. Okay, so let's go back
to the show and find out what we can do

(01:34:39):
for you. And we have Debbie with the carpet. We
have rich Thomas On. Richard is the owner of Denver
Clean Pro. He did not do this job. He is
our expert from referral lists dot com. And Richard, we
asked you to take pic a look at this picture.

(01:35:00):
She took there's a faint red stain, reddish stain, she said,
was left behind by this carpet cleaner.

Speaker 12 (01:35:08):
What do you think it is, Richard, Well, just looking
at the picture, it looks like that object that's to
the left in some wooden object, and it looks like
the cleaner clean there. Then the object was the piece
of furniture was put there, and it's basically finished wood,

(01:35:29):
and it almost looks like that any moisture that was
left in the area ended up leaching the wood finish,
some of the wood finish onto the wood and onto
the carpet. That's what kind of what it looks.

Speaker 3 (01:35:40):
Like to me, very very insightful.

Speaker 12 (01:35:46):
Yeah, one possibility. The other possibility, and I haven't seen
the whole carpet, but sometimes what I've seen, especially with
carpets that have been down for a while, is they'll
have a particular color to them, and then people furnishure
sitting on the carpet for a long period of time,
and then when they move their furniture, all the carpet

(01:36:08):
that's been exposed has been bleached out by the sun
and by the light up here in the Denver area,
or as the stuff under the carpet or under the
furniture ends up more or less retaining the original color
of the carpet, and sometimes that might be interpreted as
a stain.

Speaker 3 (01:36:26):
So it's okay.

Speaker 12 (01:36:28):
Case in the former case, there could be a problem
because the carpet cleaner could have made left too much
moisture behind, especially getting moisture into the underpad. So when
the carpet feels dry, you put the furniture in place,
then the furniture weight ends up squeezing moisture out of
the underpad, through the carpet and on the underside of

(01:36:49):
the furniture. So that's the possibility there.

Speaker 3 (01:36:55):
All right, I want to ask you a couple and
now that I have you on, I want to ask
you some questions because, first of all, it sounds like
they should make this right. How would you make it right?
Do you think you could get that stay out?

Speaker 12 (01:37:09):
My guess is off the top of my head, I'd
say I may not be able to get that out.

Speaker 3 (01:37:15):
Why is that?

Speaker 12 (01:37:15):
It seems like when we finish gets onto the carpet there,
it's difficult. It's not impossible to remove.

Speaker 3 (01:37:23):
Okay, Now, Denver clean pro From what I can find
out from your system, it's pretty unique.

Speaker 5 (01:37:33):
Now is it correct to say you use no water
at all?

Speaker 12 (01:37:40):
What we do is a low oister system, not a
no oyster system. So when the carpets, when I'm done cleaning,
the carpet's going to be moist but not wet, and
it won't be dry unless you let it.

Speaker 3 (01:37:52):
Wait you wait, can you describe ours? And listen? I'm
always looking for innovations when it comes to carpet cleaning.
Can you describe the system?

Speaker 18 (01:38:05):
Yeah.

Speaker 12 (01:38:06):
What we do is that we remove the dirt from
the carpet using an ion exchange process. The cleaning solutions
and the fittings we use are specifically designed to allow
this to occur. So what we do is we get
some cleaning solution on the carpet, and then we'll go
over the carpet a couple times. One would be to
break up stains and work the cleaning solution to the

(01:38:29):
base of the fibers in the carpet, because we want
this to be a deep clean. And then we use
a cleaning pad that initiates an ion exchange of process
in the carpet that pulls a dirt out of the
carpet and into the pad. Than we're using an ion
exchange process. We don't need to use a lot of
water and soap because if you're going to be using
suction to pull the dirt out, you need a medium

(01:38:52):
to help get it out, because if you're just using air,
you're no better than a vacuum, which is why steam
cleaners will use a lot of water is in it
they'll hopefully wash the dirt out of the carpet. We
don't need to do that. We don't need a lot
of water to do that because we use an ion
exchange process.

Speaker 5 (01:39:10):
In stack, explain an ion exchange.

Speaker 3 (01:39:12):
Are you literally attracting the molecules of dirt and grime
and grease. Yes, you're doing it through an ion exchange,
meaning the chemical on the pad is different from the
chemical on the carpet.

Speaker 8 (01:39:29):
Correct.

Speaker 2 (01:39:30):
Now.

Speaker 3 (01:39:31):
I'm going to bring this up because, by the way,
we've had rave reviews about you, and I want to
bring this up though, because the word chemical on carpets
a lot of people and a lot of you know,
people say, wait a minute, I don't want any chemicals
on my carpet. Can you talk about that.

Speaker 10 (01:39:49):
Yes.

Speaker 12 (01:39:50):
When I'm talking to people, I let them know that
we're using a cleaning solution. It's a citrus based organic
cleaning solution that we put on the carpet.

Speaker 3 (01:39:58):
So the.

Speaker 12 (01:40:01):
Everything we're using is non toxic. I get it on
myself all the time, and I've been doing this for
over eleven years, and it's not toxic to humans or animals.

Speaker 3 (01:40:13):
It's a citrus it's a citrus based solution.

Speaker 8 (01:40:17):
Correct.

Speaker 3 (01:40:19):
Wow, and that breaks up the dirt. Correct. And then
what's the other solution, because you have two to do
the ion exchange.

Speaker 12 (01:40:29):
Yeah, it's an activator.

Speaker 3 (01:40:33):
And what kind of what what does it do? What
is the chemical reaction?

Speaker 12 (01:40:40):
What it does is that I'm not a chemist one
all that.

Speaker 3 (01:40:44):
No, No, I get it, I get it. But but
is that solution toxic? The activator it is not. Well,
that's what's important. And so when you're done, do the
carpets feel dry?

Speaker 12 (01:41:00):
When I'm done the carpet, right when I'm done, the
carpet's going to be moist. We recommend about one to
two hours to let it dry, and then once it's dry,
it at least no rescue.

Speaker 21 (01:41:14):
Behind our house was dry by the time he was done.
Upstairs down the stairs was dry. You know what's interesting
about this guy tom Is Richard said he would go
head to head with anybody that wants to show up
at the station, will roll out a piece of carpet, or.

Speaker 3 (01:41:31):
It doesn't even have to be at the station. We
can just pick a warehouse or something. Are you right now?
Why are you so confident? Why are you so confident
about denvercleanpro dot com?

Speaker 12 (01:41:48):
The reason the person who invented the clean pro system
is the one that initially was consonant because he's he
did a few of these these head to head match
up before, but not very many of them. The challenge
that's listed on the website. I was told very specifically

(01:42:10):
that it was a corporate level.

Speaker 3 (01:42:11):
Challenge, so you'd have to call on clean Yeah, no, no,
I understand, but you personally have you personally found stains
you can't get out.

Speaker 12 (01:42:21):
The stains I cannot get out are ones where the
fibers have actually changed color, for example, when somebody I've had.
I had a guy a while ago that had some
food stains on his carpet and he used a cleaning
chemical from one of these home steam cleaner companies, and

(01:42:41):
he diluted it the way they said and worked on
the stain as much as he could, but the chemicals
that were there and that he was using ended up
setting the stain in the carpet. But when he called me,
I came out and got some of the other debris
out of the carpet. But those actual stains he was
learned about, we're still in there because the chemicals created

(01:43:04):
a chemical reaction that bound the steams to the fibers
of the carpet.

Speaker 3 (01:43:08):
Well, Richard, I'm going to tell you thank you for
being on You've been on our refer list for years
and years, never a complain. I'm going to use you.
I'm going to try it because I'm looking for something different.
I don't want to get into details. I just I
don't like bait and switch. I don't like bait and switch.

Speaker 26 (01:43:25):
Yeah, I just want to let listeners know, Richard, you're
coming out to my house on a twenty second so
I'm looking forward to seeing your new process and giving
our listeners a report.

Speaker 3 (01:43:35):
All right. Their number, by the way, at denvercleanpro dot
com is three oh three nine zero four twelve sixty one.
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.

(01:44:00):
Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven one help. You'll think you're his only customer when
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'ms Tom Martino here.

(01:44:23):
Welcome to the show. We got renew Home and Ovations
in the house and I'm going to finish up with
him nine zero. By the way, first I'll give that
carpet cleaner's rite number out go on the If you
go on the referral list, it is clean Pro. The
number is three oh three nine zero three twelve sixty one.
Three oh three nine zero three twelve sixty one. Now

(01:44:47):
renew Home Innovations is three oh three nine zero four
to two thousand. How many weeks out are your running? Nick?
If they want to find a beautiful uh, if they
want to convert their beautiful shower, are you to your
beautiful shower right now?

Speaker 17 (01:45:00):
If you if you purchase a share with us, We're
usually about three to five weeks out, and you do it.

Speaker 3 (01:45:05):
Two or three days, and they have months and months
to pay without interest. At is renew Home Innovations dot
com three oh three nine zero four two thousand threero
three nine zero four to two thousand. We have more
coming up on the Troubleshooter Show. Go with a sure
thing Denver's Best Roofer Excel Roofing dot com. You don't

(01:45:28):
pay a cent until you're content. 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

(01:45:49):
home with Remax Alliance three oh three nine two zero
sixteen twenty two news.

Speaker 2 (01:46:03):
So you don't help, come running just as fast as
we can.

Speaker 23 (01:46:10):
Shooter's gonna help come Man Dix is the Troubleshooter Show Now,
Tom Martino.

Speaker 3 (01:46:19):
Hey, I'm Tom Martino, and I welcome you to the show. Welcome, Welcome, Welcome,
Here to help you solve problems. Answer questions and take
complaints in your life. So I appreciate you being here,
and we're here as I said, to help you. Let's
go to the phones and find out what's going on
with you. We have Debbie who has a problem. We

(01:46:42):
had our expert look at it, and our experts said
it's probably not gonna come out. It's part of the
leeching of the furniture nearby from too much water. We
tried to call doctor Carpet, the people who did the cleaning,
and they hung up on us repeatedly. They will not
address it. Debbie, You're not going to get anything done.

(01:47:06):
You're gonna have to put a price on it. They're
not gonna they're not gonna owe you a new carpet.

Speaker 22 (01:47:13):
Yeah, it didn't come from the furniture because I just
moved the furniture around. The furniture wasn't around it when
it was stained. It was just stained. It didn't have
the furniture seeping out with the color or anything like that.

Speaker 14 (01:47:31):
Right.

Speaker 3 (01:47:32):
But what they said, he said, was it takes time
for that to happen, or did you say it happened
right away?

Speaker 22 (01:47:40):
It happened right away.

Speaker 3 (01:47:43):
And it was before Oh, hold on, so it was
immediately there when they left. Yes, what did they tell you?

Speaker 10 (01:47:52):
But how did they tell you?

Speaker 8 (01:47:53):
Debbie?

Speaker 3 (01:47:53):
They won't tell her anything.

Speaker 21 (01:47:54):
That's the problem, right, Well, that's ridiculous. They all they
have to do is come on and say, hey, it
was sustaining. We can't get it out. Why they're ghosting
her in us seems insane.

Speaker 3 (01:48:06):
That's because you know what I believe. I believe there's scumbags.
That's what I believe.

Speaker 5 (01:48:10):
I believe scumbags don't like talking. That's what I've concluded.

Speaker 3 (01:48:14):
When people won't address problems, I think they're scumbags. Doctor carpet,
which is the doctor, doctor carpet. If you wanted to
assisted suicide on your carpet, three three three four six
forty five sixty eight, that's their number. If you see it,
I would avoid it. I would avoid calling this number
doctor Carpet. Three three three four six forty five sixty eight.

(01:48:39):
They should at least address the damn issue. They go
into somebody's house and leave with a stain, but it
could be while they were cleaning that leached out while
they were cleaning.

Speaker 5 (01:48:50):
Next to the furniture, having the color of that.

Speaker 22 (01:48:54):
Sure, when we clean it there.

Speaker 3 (01:48:58):
But then it was put down there. But you're saying
before the furniture was even put down there it turned
that color.

Speaker 22 (01:49:06):
It was there, Yes, Yes, the day of it was there.
I just couldn't see it because they told me not
to walk to the carpete. Was waiting for it all
to dry.

Speaker 3 (01:49:17):
Okay, Debbie, So before you put that end table back,
before you put it back, you're telling me it was
already stained already.

Speaker 22 (01:49:33):
Yes, from what they did. My carpet always was fine.
My whole house is fine except that one area.

Speaker 3 (01:49:39):
You're gonna ask this one more time, before you put
any furniture near that stain, before you noticed the stain,
before you put any furniture there. Yes, you did, and
it was that pinkish stain. Well, we have no idea

(01:50:03):
what it's from. He only did that from a picture.
He said, Look, it's the same color as the knights
or whatever that is. What is that an end table
or what? What is it?

Speaker 27 (01:50:14):
Did live in that spot prior to them cleaning that spot?

Speaker 10 (01:50:19):
Yeah?

Speaker 3 (01:50:19):
Why with that? It was fifteen years old. I have
a suggestion for what's your suggestion, bo Debbie?

Speaker 26 (01:50:29):
What I would recommend such you have nothing to lose is.
Try some hydrogen peroxide on the stin. I've used that
a lot of times on bad stains. You might bleach
it a little bit, but give hydrogen peroxide a try.
See if that'll get ready. Now it comes in the bottom,
you gott dab it with a rag and keep it

(01:50:51):
and then okay, let it well while it's wet, use
some towels and then just rub it and you may
need to brush. I would really try that and call
I bet the hydrogen prox. I would probably get it
out if it's not a large stain. I didn't see the.

Speaker 22 (01:51:06):
Picture, okay, okay, and I like to just quickie. I
wanted to say send you to Kelly for being so
patient with me.

Speaker 3 (01:51:13):
She was patient.

Speaker 27 (01:51:15):
I was impressed. Yes, she was the unsung hero of
the show.

Speaker 3 (01:51:20):
Hey dragon, write that down. Someone said something I looked
about Kelly. Please please?

Speaker 22 (01:51:24):
Yeah, yeah, that's right, I did.

Speaker 20 (01:51:27):
All right?

Speaker 3 (01:51:30):
Well, thank you? I mean, I really I don't know
what to do. They won't you know if you're taking
the small small claim, squirt. To be honest with you,
I don't even know what you ask for. I truly
don't know.

Speaker 26 (01:51:49):
Try the hygen peroxide and then call us back, and
I'll tell you Tom, I'm kind of.

Speaker 3 (01:51:53):
Interested in this. If the hydrogen proxy doesn't.

Speaker 26 (01:51:56):
Take it out, Dabby, call us back and maybe I'll
come over there if you're in town, and I'll look
at it.

Speaker 27 (01:52:01):
And I worry if that piece of furniture was there
prior to them cleaning it, and she may have dropped
a glass of water. It ran down stained the carpet.
They moved it, then they tried to clean it. Can't
get it because it's the stain from the wood.

Speaker 21 (01:52:14):
I mean, that's kind of what That's what I was
thinking too, because my god, she said the carpet's fifteen
years old.

Speaker 3 (01:52:20):
There could have been furniture there ten years ago, right,
it's true. Well, I don't know. This is like I said,
you're gonna have to go after them. You're not going
to get much damages. It's a it's a mess. I
advise people not to use doctor carpet. Doctor carpet sucks

(01:52:42):
in my opinion, for not addressing this. Three oh three
three four six forty five sixty eight. They should at
least want to come out and look at it. For
God's sakes. They're just they just suck. Threeo three three
four six forty five sixty eight. Give them a live review,
tell them what you think of them, Debbie, let me

(01:53:03):
know if you hear from them, Doctor Carpet avoid them
three three three four six forty five sixty eight. Please
let him know you heard about him on the Tom
Martino Show. Patricia, what's going on with you? Patricia? What's happening?

Speaker 28 (01:53:19):
I would just like to see if I can get
maybe twoper insurance for my house and my car. They
raised my house.

Speaker 29 (01:53:27):
Insurance two hundred and sixty seven dollars. It was last
year it was one nine hundred and row them. This
year it's up to two thousand and seventy eight.

Speaker 3 (01:53:41):
And have you called Compass? Listen, you may or may
not be able to beat it. Who are your insurance companies?

Speaker 28 (01:53:48):
Okay, one is called Foremost Insurance and the other one's Bristle.
But the people that handle it are Affordable American Insurance
and Aurora.

Speaker 3 (01:53:59):
Then you here's what you might want to do. You
might want to call Compass Insurance Group and they will
do a free analysis for you and they will recommend things. Now, again,
they don't guarantee loess prices. What they guarantee Here's what
they guarantee that they will look at what you have

(01:54:22):
and give you an honest to god opinion as to
whether you can do better. They'll ask you some basic
information and they'll run the numbers, but you'll never do
better than Compass. Okay, here's the number. Okay, it's three
h three nine thousand, nine thousand. Yeah, yeah, and then

(01:54:50):
let us know. I would love to know what you
find out. Again, many times they can beat it. But
what they can do is give you an accurate, a
prize appraisal of what you have have and if they
can beat it or if there's something better out there.
Three oh three nine nine six nine thousand. I'm Tom Martino.
We have more coming right up on the Troubleshooter Show.

(01:55:14):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only

(01:55:36):
customer when you choose Frank Durand the real estate man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom
Martino here, Welcome to the show. Three oh three seven
one three talk seven one three eight two five five.
It's the first time we have open lines today. You
can get right through if you have a problem, question

(01:55:57):
or complaint. Do we have any follow ups from anyone?
D Do you have anything you know? Tom?

Speaker 25 (01:56:03):
I wish I had better news on the lady that
called us about that condominium comp that that apartment complex.

Speaker 19 (01:56:09):
What was when was that her daughter is a student.

Speaker 25 (01:56:13):
And she rented a room in one of these multi
room apartments and Mark and I started.

Speaker 19 (01:56:17):
I'm bailing with us last week?

Speaker 3 (01:56:19):
Wait, wait, and there was something about that. I'm trying
what was her first name? It was a weird lease.

Speaker 25 (01:56:25):
Yes, so it was Suzanne Susan or Suzanne that called
us on behalf of her daughter.

Speaker 3 (01:56:31):
Yes, her daughter signed an agreement West Edge apartments or
five rooms with a common area. She signed a lease
in February. She was told she could find a replacement
first and to take.

Speaker 19 (01:56:41):
Over her especially in the lease.

Speaker 3 (01:56:43):
But they're saying whoever she brings up there to be approved.

Speaker 19 (01:56:47):
Yeah, so the least does say they have to be
approved now.

Speaker 25 (01:56:50):
At the time that she signed the lease, the management
company did not require the potentially approved substitute tenant to
be a student. But their policy has since changed, so
now they won't allow Susan's daughter to get somebody who's
not a student to take over her lease. And our caller,

(01:57:11):
Susan's position was, hey, it's fine from the tech change
of the policy, but we had this deal based, you know,
on the previous policy.

Speaker 19 (01:57:18):
So she feels it's unfair to her daughter.

Speaker 25 (01:57:21):
So I try to contact I left two messages for
this person named Mitchell's. That's the mitchell is the person
they've been communicating with at West Edge Apartments down there
in the Springs and Tom they just won't return.

Speaker 3 (01:57:35):
My Bryan was on our real estate attorney O Brian
Legal Services ols law dot com. He said that the
owner has full discretion, just full discretion.

Speaker 19 (01:57:45):
I agree. I read the lease, not that it's entirety
because it's thirty four pages.

Speaker 3 (01:57:50):
Doesn't say anything about s'all not unreasonably turned down. I
didn't see that part, yeah at all, But you think
they are, I mean, why wouldn't they want to continue
just getting payments and not have a fight on their hands. Why.
I wonder why, what their motivation is? You don't know,
because you can't talk to me.

Speaker 19 (01:58:07):
I can't.

Speaker 25 (01:58:08):
They just and I called them and I said, I
left very detailed voicemails. I said, look, we're not going
to blame you for anything or point the finger or
talk you into anything. I just want to get your
side of the story. I just want to see what,
if anything, can be done to help Suzant's daughter get
out of this lease, because she keeps coming up with
one potential renter after another and they keep rejecting.

Speaker 3 (01:58:28):
Wow.

Speaker 25 (01:58:28):
So unfortunately, they just want to talk to me, even
though what I'm trying to do is kind of they
possibly broke her a deal of some kind. Well, yeah,
that's very disappointing.

Speaker 3 (01:58:37):
Like I said, it doesn't seem reasonable that they want
to put up a fight. They have someone who wants
to move and there are people that were willing to
take over the rooms unless the people were not as
credit worthy as her daughter.

Speaker 19 (01:58:51):
But that's not the reason.

Speaker 25 (01:58:52):
According to Susan, credit worthiness doesn't have anything to do
with these rejections.

Speaker 19 (01:58:56):
Really, there's only one reason for the rejections.

Speaker 25 (01:58:58):
The substitute renters that she keeps finding are not students,
and the management company says, hey, it's got to be
a student. So that's that's where they hang up.

Speaker 21 (01:59:10):
Is one of them actually is registered as a student
according to her.

Speaker 25 (01:59:13):
Though well yes, but not not scheduled to start until
next year. So what I was hoping is if Westgate
Apartments would ever return my calls, what I was hoping
to do is to point that out and see if
we can reasonably kind of you know, come up with
this middle ground where yet it's a student hasn't really

(01:59:34):
started yet, but here's the student idea, here's the registration
information with that work. So I thought that would be
a reasonable you know, compromise.

Speaker 3 (01:59:45):
But they won't have it.

Speaker 19 (01:59:46):
No, No, they just won't have it.

Speaker 3 (01:59:48):
So that's really weird that.

Speaker 19 (01:59:50):
Then the other follow up I have, there's no resolution
to this.

Speaker 25 (01:59:54):
But you may recall that about a week ago, maybe
a week and a half about David called us because
his landlord down there in Castle Rock, he was renting
a commercial property, and his landlord down in Castle Rock
allegedly absconded the equipment, absconded with tens of thousands dollars
worth of equipment.

Speaker 19 (02:00:12):
So David and I've been working kind.

Speaker 25 (02:00:14):
Of behind the scenes see if we can, if we
can get somebody from inside the company to at least
acknowledge this and see.

Speaker 19 (02:00:20):
If we can get him his equipment back. So that's
what's going on.

Speaker 25 (02:00:24):
And the final thing I'm waiting for is for our
caller yesterday, the one with the who won the mega
millions and the brand new Mercedes. He's trying to schedule
the scammer and his two FBI agents to come meet
us at his bank.

Speaker 3 (02:00:38):
Oh, that one is going to be really important.

Speaker 15 (02:00:40):
Now.

Speaker 3 (02:00:40):
Mark probably won that bet if they never show up.
They said that they wanted to show up and take
him to his bank. He can't forget about You were
in that bed, Dmitri.

Speaker 19 (02:00:52):
Yeah, yeah, I've noticed this. The fourth time Tom excluded
me from the bet that we made it.

Speaker 3 (02:00:56):
Well, I accepted Mark's bet. I don't remember saying, Dimitri,
I scept but anyway, I'll buy you a bottle just
because you're a nice guy. But thanks. But what's the
bottom line here? Did he ever hear back from them? Yeah? So,
and what did they say?

Speaker 19 (02:01:09):
So after I left the studio, I was going to
go over to this now.

Speaker 3 (02:01:12):
By the way, for those listening, this is a guy
that won mega million, supposedly, and the scammer on the
phone said, I'd like to come and get you and
pick you up with two FBI agents, will take you
to your bank. Dmitri suggested. He tried to change the
meeting place to the bank so he's not alone with
these people, and then Dmitri was going to join him.

Speaker 25 (02:01:30):
What happened then, well, you know, so before yesterday's meeting,
the scammer actually returned his call and said, oh jeez,
you're not going to believe it. We had another grand
prize winner in Colorado, so the FBI antients and I
have to go over there delivered that and after that
we'll call you to reschedule our meeting. And so far crickets.

Speaker 3 (02:01:50):
Oh man point they found out this guy was what
hip to him maybe and maybe that he they suspected something.
I don't know, Yeah, you.

Speaker 25 (02:01:58):
Know, really good scammers are really really good at what
they do. So they may have changed since the change
in the tone of his voice, or maybe our caller
was like too enthusiastic about it or something like that.
But I have a feeling that we're not going to
hear from that scamera again. Dang, yeah, it's too bad.
I was gonna video it with my phone.

Speaker 3 (02:02:17):
Well, was that technically not showing up? But we don't
hear from him again?

Speaker 25 (02:02:20):
Of course, they didn't show up yesterday, and they didn't
they so far they haven't rescheduled.

Speaker 3 (02:02:26):
But they never said they would reschedule. The bet was
they wouldn't show up at his house.

Speaker 19 (02:02:30):
Yeah, but it's the same thing, and that effect of
not rescheduling is.

Speaker 7 (02:02:33):
That nobody showed up.

Speaker 3 (02:02:35):
The bet was they wouldn't show up at his house,
and he canceled, so that I don't know the scammer
canceled anyway, Let's talk to Charles. Charles, what's going on
with you?

Speaker 10 (02:02:46):
Hey?

Speaker 18 (02:02:48):
This is Terry his wife Terry.

Speaker 3 (02:02:50):
Okay, I'll talk to you. What's going on? Terry?

Speaker 7 (02:02:54):
I have a brand new.

Speaker 18 (02:02:58):
Heap Wrangler.

Speaker 3 (02:03:00):
It's a hybrid. Where'd you buy it?

Speaker 6 (02:03:02):
Brand new?

Speaker 29 (02:03:03):
Only?

Speaker 20 (02:03:04):
I bought it at Perkins.

Speaker 3 (02:03:06):
Now are you telling me this is a brand new
it's a hybrid meaning electric gas jeep. Yes, I never
I didn't know they made them.

Speaker 18 (02:03:19):
They've had them Mountain twenty twenty.

Speaker 3 (02:03:22):
Well, okay, it's not the jeep jeep?

Speaker 17 (02:03:24):
What what?

Speaker 3 (02:03:25):
What model is?

Speaker 25 (02:03:26):
No, it's a jeep jeep. It's one of my neighbors.
One of my neighbors has one. It looks, yes, looks
like a regular jeep. But I see it's plugged into
the wall.

Speaker 3 (02:03:33):
It's a wrangler, okay, And so what's the problem with it?

Speaker 18 (02:03:38):
Well, everything shut down, the battery pack that's located up
under the jeep, the electrical systems just shut down.

Speaker 3 (02:03:47):
And when did you buy it?

Speaker 22 (02:03:51):
I bought it eight.

Speaker 18 (02:03:52):
Months ago and it's got five thousand miles on it.
Take seventy one thousand for it. Oh way, long story short,
I took it the Perkins and for ten days, Mopar
refuses to put a part in it. So the reason
why I'm calling is, I know you've got to wait
thirty days for a lemon law.

Speaker 3 (02:04:12):
Well, hold on a second, Hold on a second. Why
is Mopar refusing for the part.

Speaker 18 (02:04:22):
Because the mechanics said the engineers cannot agree on sending
the part until they figure out if that's the part
they were sent, So they will not agree to send
a battery or recharge.

Speaker 6 (02:04:39):
Your pack, which it needs.

Speaker 18 (02:04:42):
There is two other vehicles.

Speaker 7 (02:04:44):
I was told by the mechanic.

Speaker 18 (02:04:45):
That they're waiting on as well that Mopar refuses to
send to the dealership.

Speaker 3 (02:04:50):
All right, so Mark didn't, Mark didn't the lemon law
change on the cumulust to.

Speaker 19 (02:04:55):
Total it's down to twenty one business days?

Speaker 3 (02:04:58):
Now twenty one business days?

Speaker 2 (02:04:59):
Who years?

Speaker 3 (02:05:01):
And oh and what's miage? I do forget what the
mileage is?

Speaker 18 (02:05:06):
The mileage is fifty nine miles.

Speaker 3 (02:05:08):
It has run. It sounds like you're good, Yeah, so
you can man, you you would have a good case
for the lemon law for sure.

Speaker 18 (02:05:18):
So if it reaches twenty one day, then.

Speaker 3 (02:05:21):
I come board with it. Is that your twenty one
twenty one business days out of service count of service?
That you cannot use the same issue? And they don't
have to be consecutive.

Speaker 19 (02:05:33):
Oh, it actually could be.

Speaker 3 (02:05:35):
It doesn't matter what issue, A bunch of issues. No, No,
I'm sorry, guys. It's got to be a pretty major issue.

Speaker 5 (02:05:43):
Right, you're right about that, But it doesn't have to
be the same one.

Speaker 3 (02:05:46):
Run it, okay, No, do you have look at it?

Speaker 18 (02:05:51):
Okay?

Speaker 3 (02:05:53):
In your case, they need to know you're going to
invoke the lemon law. That might light a fire under him.
Why don't you let them know you're going to do that.

Speaker 18 (02:06:03):
Okay, that's an option.

Speaker 3 (02:06:06):
Well, of course, well you unless you really want to
be Do you want to be purchased out of it?

Speaker 4 (02:06:11):
But doesn't she want a new one, a different one
that doesn't have these underlying problems?

Speaker 3 (02:06:18):
Would you want.

Speaker 18 (02:06:19):
To so, Terry, wouldn't you rather have handling it?

Speaker 3 (02:06:22):
No?

Speaker 4 (02:06:23):
Would you rather have a brand new car, even if
you like the model, rather than one that's had problems
and been repaired and may give you more problems in
the future.

Speaker 22 (02:06:33):
That's correct.

Speaker 18 (02:06:34):
And I did talk to the mechanic about it. I said,
are you telling me the engineers at MO part doesn't
want to prove this part because they're not certain. They
want to send it because they're not sure if this
is going to fix it exactly, waiting in line as
well as I.

Speaker 3 (02:06:48):
So you know, wait till twenty one days and get
a brand new car. Well, hold on, first of all,
it's she's not guaranteed a new car. It's it. They
can buy her out of it, so you know, or
you can if they fix it, they fix it.

Speaker 5 (02:07:08):
I mean, first of all, this notion that.

Speaker 3 (02:07:11):
A vehicle has some kind of a soul and when
it's had problems, you can't fix them, and they're always
going to have cooties. It's not necessarily accurate. I mean,
what I mean is this, if they if they fix
the problem, they fix the problem. If they don't, then
you invoke the Lemon law. But you're you're right in there.

(02:07:31):
I think you should do what you're doing. I think
you should proceed as you're going. And I wouldn't even
bother doing the Lemon law myself. I would go through
an attorney who does it because they can get attorney's
fees right.

Speaker 25 (02:07:44):
They absolutely do so under both federal and states glemen laws.

Speaker 18 (02:07:47):
What happened? Any oh?

Speaker 19 (02:07:52):
Yeah?

Speaker 3 (02:07:52):
That is that woman responding to people because she never
answers our call. Does she respond to people?

Speaker 19 (02:07:57):
I don't know.

Speaker 25 (02:07:58):
I've never actually even called her. But her name is Raina.
Do you want me to give her a call?

Speaker 3 (02:08:01):
See if she's still in you know, in this still
taking case.

Speaker 25 (02:08:04):
I'll call her right now and h while I'm on
the phone with Raina, if Terry here can send us
her name and phone number, I'll put them both in
touch with each other.

Speaker 19 (02:08:14):
That's exactly makes sense. But I'll call Raina first, right,
I think I.

Speaker 21 (02:08:17):
Think it was kind of cool of Colorado to extend
the Lemon law, though to the two years. We had
a lot of people right after that first year, you know,
over thirty forty five days without their vehicle because parts
they couldn't get.

Speaker 3 (02:08:30):
And they couldn't do anything. Yeah, okay, so all right,
hold on, we'll talk to you right after this. If
you have more to talk about. I'm Tom Martino. 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

(02:08:53):
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage had 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 oh three
nine two zero sixteen twenty two. Hey Tom Martino here,

(02:09:18):
welcome three O three seven one three talk seven one
three eight two five five. Let's solve problems. Ask a
question to take complains. So Charlie and Terry they have
the Lemon Law and we just looked it up and
you know, we we maybe should call the dealer for you,
but I don't know if the dealer can do anything,
because what you're saying is the dealer is willing to

(02:09:39):
fix it. It's the manufacturer's giving you the hard time. Right, yes, direct,
and we're did you did, did Deputy D get on
the phone and give you that Lemon law turning? No,
not yet, Okay, he will do that and let you
know for sure, because that's something you definitely want to do.

(02:10:03):
Now listen, listen, I love this story. Thank you for
going by the way.

Speaker 5 (02:10:12):
Have you heard the story where Uber drivers.

Speaker 3 (02:10:16):
Reported a scam based on their rides and it was
in an area where scammers didn't realize they was calling
the same area. I guess they might have a call list,
so they were targeting people in this area. And a
couple Uber drivers got suspicious that they were picking up

(02:10:38):
older people at their homes and taking them to their banks. Now,
one or two rides to a bank might be something,
but they noticed a number more than a dozen rides.
One guy had three on his own.

Speaker 5 (02:10:55):
They had rides and he thought, this is weird.

Speaker 3 (02:11:00):
This is just weird that I am getting these rides
all from elderly people going from their homes to the bank.
So they reported it to the US Attorney from Massachusetts
and they launched an investigation. And what they found was

(02:11:23):
they started interviewing people going to the bank and they
found it was part of the grandparents scam. Now, people,
you probably know how the grandparents' scam works.

Speaker 10 (02:11:36):
Maybe not.

Speaker 3 (02:11:38):
Somebody calls and they call older people and say, grandma
or grandpa, I'm in trouble and I need help. And
they wait for someone to say, is this you Timmy,
or is this you Johnny, or is this you Mary,
And then they say yes, Grandma, and they try to
get their experts at getting information out, and then they

(02:11:59):
say I got arrested or I'm in trouble, or I'm
being held and I need money. You need to go
to the bank and send a Western Union, or you
need to send a wire to this place. Now, in
some cases they already know the grandkids' names, and what
they've figured out is there are actually people online who

(02:12:20):
give their grandparents, i mean their kids' names. They post
to Instagram or Facebook and they say here's Johnny blah
blah blah. You know, so what I'm getting at is this.
They pull the scam, they have the name, and then
they get the money. But in this case, the uber

(02:12:41):
drivers saw a pattern and they arrested thirteen people involved
in the scam. They weren't offshore in this case. The
call center would say things like I've been in an
accident or I need to post bail, and the scammer

(02:13:05):
would get on the line and pretend to be the
lawyer and give instructions.

Speaker 5 (02:13:10):
They even say, we will send the uber for you.

Speaker 3 (02:13:14):
So they would say We're going to send the uber
for you. There were four hundred victims, not just in Boston,
but they found four hundred victims nationwide that they were
able to shut down, and they the people. The names
are immaterial, but there were thirteen people literally charged. Bravo.

(02:13:36):
Bravo for the consumer authorities, for the police, and for
the Attorney general for taking action. Bravo.

Speaker 5 (02:13:43):
Unlike the guy who was who literally.

Speaker 3 (02:13:47):
Swiped a kid from a playground, swiped a kid, Mark
turned me on to this. It's been all over the news.
A transgender registered sex offender will escape charges and prosecution
that he tried to kidnap a kid because he's mentally ill.
So this mentally ill transgender sex offender gets zero punishment, zero,

(02:14:16):
no detention in a mental health facility, no counseling, nothing.
This guy goes free, completely free of the charge. They
caught him red handed. Mark, can you.

Speaker 21 (02:14:30):
Believe they have it on video? Here's what kills me. Basically,
Polis signed that into law in the last year or so.
I was trying to look up the CRC. But imagine this.
That guy could get in a car and just run
over people for the hell of it. Now people are
gonna think I'm crazy, but read the law. He could
like kidnap a kid, not attempt to kidnap, but literally

(02:14:51):
kidnap him and eat them like Jeffrey Dahmer. In the
state of Colorado would let him go.

Speaker 3 (02:14:59):
Yeah, I know, it's crazy. Jeffrey Dahmer would be innocent,
by the way, under the standards by of Colorado. Colorado
just sucks. I'm telling you, it's gotten this. I mean,
I love the state, but what's happened has been horrific.
It's just been horrific. And I want to know why

(02:15:20):
liberals like criminals, because that's really what it is. I
don't care what you say, that's what it is they
love criminals. They love criminals. I'm Tom Martine Moore coming
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(02:15:43):
call Compass Insurance paying too much your coverage at dozens
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dot com to list your home with Remax Alliance three
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(02:16:11):
Tom Martino, your troubleshooter three zero three seven one three
talk seven one three eight two five five. So I
just think it's incredible that that the the uber people
discovered a scam. I just think it's a wonderful story.

(02:16:31):
And what's good about it is that people are on
the lookout right now. Now here's another thing, speaking of
older people being taken advantage of. Ninety percent of workers
say they have experienced age discrimination, and they say that

(02:16:54):
this is nine and ten workers fifty or older say
that they eight can mark times where agism or discrimination
is in the workplace.

Speaker 21 (02:17:07):
How does ad factor in? I've never understood this. How
does ad factor in with reality? Let's say I own
a lawnmowing company and I've had one guy working for
me for twenty years, and he started when he was thirty.

Speaker 3 (02:17:20):
Now he's fifty. Of course he's more out of shape,
blah blah.

Speaker 21 (02:17:23):
Blah, but he's not going to mow lawns as quick
as somebody that's eighteen or nineteen. So are you simply
not allowed to swap employee?

Speaker 3 (02:17:33):
No mark on point now? Oddly enough, being seventy one,
I'll be seventy two in September, I agree with you.
I believe Here's what I believe that if it is
based solely on age, and this is what my attorney
told me, if decisions are based solely on age, like
oh god, he's getting older, he's not going to be

(02:17:55):
around a long time, that is where it's wrong. They
and it is a performance thing in addition to age.
But the age calls the performance thing. They do not
have to put up with it. Yeah, that's just That's
what I'm reading. Is So here's the difference you're negotiating
or a deal, or you're getting a job interview and

(02:18:18):
they look at you and they think, the guys in
his seventies.

Speaker 5 (02:18:22):
We're going to train him. He's not going to be
around a long time.

Speaker 12 (02:18:24):
I get it.

Speaker 3 (02:18:25):
You're not allowed to do that. Yeah, correct, And you
shouldn't because that person, let's say it's a sales job,
not a lawnmowing. Yeah, might be able to do it
better than a new would be. But if the person
is flobbing around and can hardly talk, and you know,
it's all within reason. It has to be due to
performance and not due to age alone. Hey, by the way,

(02:18:49):
don't forget. You can call at any time three to Ozho,
three Martino and get on the show three O three
six two seven eight four sixty six.

Speaker 5 (02:18:58):
Save all your problems for me