The Troubleshooter 2-27-24

Yea ripped up news needed by so you don't have the you'll come run in just as fast as we can. Shooter's gonna help coming man. Fix is the Troubleshooter Show. No Tom Martino, Hello Tom Martino here, Welcome to the show brought to you by fix It twenty four to seven. That's right. You can get a tech to your home for thirty nine bucks to find any problem. And if you're a member of their Green Bubble Club, you'll

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Home dot Com. Terry wants to talk about a legal problem, Joe wants to talk about landscaping, and I want you to call with any problem you have. You know, so many people have problems. I think that's something we all have in common, you know. I know people get pissed off when we talk about things and get a little political here and there, and

you know that's a natural thing to do here and there. But whether you're a progressive conservative, whether you're whatever, far right, far left, in the middle, anywhere on the scale, we all, I think we all, I don't think, I know we all agree. No one should be ripping anyone off. If you lie in sheet and rip people off, it's a bad thing. So that's what this show's dedicated to, fighting that and then preventing it. Not just solving problems, but preventing them. So give

me a call at any time twenty four to seven. Leave a message. We will get back to us. Terry will attest to the numbers three oh three, Martino three three six, two seven eight four sixty six. And of course when we're on the air, you can call the station's number here at three oh three, seven to one three talk seven one three A two five five. And I know people are listening elsewhere as well on other stations. And also my YouTube morons Facebook. You know, I don't address my

Facebook crowd. I should, but YouTube gets the distinct. Uh, they're the morons. So we have to come up with come up with something for Facebook streamers. But right now, YouTube morons get that title? Terry. Uh, what's going on with you? Terry? What can we do to help you out? What's happening? Well, I don't know, To be honest with you, I uh so no direction to go, So I'll called you guys all right, start start at the beginning. What are you calling

about? Uh? There's an organization that accused me of abusing my uh handicapped son, and I let's start right there. What organization is accusing you? I've rettter not name them at this point. But it was a place where he used to work. Oh, okay, okay, got it? So what was this a special place where he worked or normal employment? What kind of employment? No, it's it's their mission statement is most kind of sort of set up for dealing with handicapped folks. Folks? And what is the

nature of your son's disability? What's the nature of your son's uh disability or handicapped? I don't know what the proper word is these days, but what is the nature? I don't he it's when he was born he was diagnosed with congeneral congenital hydrocephalus, which basically means he was born without a brain. What. Yeah, pretty much. Well, your son, how old is

your son chronologically? Well? Well, hold on, obviously he has a brain, right, I mean, you know he has to have the involuntary systems are working, the respiratory, the digestion and all of that, and that that's regulated by a brain. So so what do you mean is there a part of his brain missing? Yeah, when the original forecast was to live maybe three months at most. How old is he now? Forty forty? Yeah? Okay, and you've taken care of him his whole life pretty

much? Yeah? Yes, man, okay, And how were you accused of abusing him rudely? He has been working at this this joint for a little over twenty years, and he is stastic, as they say on the right side. He has a club foot and minimal use of his hands. So they gave him accommodations to work there, and he's been there twenty years. It's relative relatively a great organization. Until we got to the end. Tyler's had issues with his foot. They were concerned they're liable if he falls

down. You know, I get it. But after the meeting we had as far as you know, he's been there twenty years, let's now, they had a meeting with him alone. Right that Again, the meeting they had, was it with you and him or just him? Well? Over the twenty years, has it always been with me and him? Because I'm his guardians? But okay, now what I'd like to know is this, Terry, is there a mom involved in this? I'm just curious, man

kind of Yes, yes, enough, Okay. The other thing I want to know is is this Has this turned into anything like a negligent charge or a criminal charge or anything like that. Well not at this point, I haven't heard back. They sent a lady from the Adult Protective Services to my door, okay, and that's where we're at now. I talk with her for an hour or so, and the more I talk to her, the anger I got. Why Why were you angry? Well, I suppose if I accused you of abuse, would you be angry? No? No,

that person I'm sure is not accusing you. That person is investigating it. No, that the department lady was very nice. The letter that was written to them or the reponse that came to them from the organization accused me of abuse. So Terry, Terry, I want to parse this out a bit and I will get to other calls. But Terry, here's what I want to know. I understand you being upset when you're accused of something. Anyone who is falsely accused of something gets very, very very upset. I want

to know this, though, what led them to that accusation? Whether you agree with it or not. What was it? I'm sure they didn't just come up with it to hurt you. What was it that led them to this accusation once I made it to the me that I was normally informed of. No, I get it. What did what? Tell me? Tell me what led them to the accusation, Terry, That's that's what I'm saying.

They tried to do a meeting with Tyler without me, and then when I got there, they were upset that I was there, which made me upset. Terry, you're not telling me what. You're not telling me what I asked? What led though to the accusation? Oh, the meeting. The meeting was contentious, I guess. Oh so the wait, so they observed your behavior during the meeting and they concluded you're a meani apparently? Yeah? Well was there any physical First of all, are they accusing you of

a physical abuse or psychological abuse? Well? I'm trying to get the report back from the get the department and from reading it when you gave it, Tony, I'm going to say mental okay, psychological abuse, psychological yeah, now, Terry, Terry, I don't even know. I couldn't even imagine what it is like having a son or a daughter with handicaps or something where you I don't know the nature of this particular disability or whatever. But what

is his chronology? His chronological lady's forty? But what what is his mental ability? What age? If I remember right, how they do this as they break it down into his cognitive The last time we did the test, his cognitive was between five and seven. His emotionals like thirteen to fifteen. They've got like six different categories. I see, I see. So is he and I'm just talking to you now as a dad and not having any knowledge of this. Is he a difficult Is it very difficult to do this?

No? Well, no, you know what I'm saying. Is is he cooperative? Oh? Yeah, yeah, everybody loves Tyler. Okay, so what I is? Where where does it go? Now? I don't know. That's why I called. I don't know what to do? Well, what are they saying I need to know. I need to know. What are they saying the agents? Well, that's the only one that matters. He says, I abused him. What What is the conclusive Terry? What is the of the report? I don't know. I have not heard

back from the department. When did they When did they interview you, Terry? When did they an? I talked with her for about an hour? When, oh, last Thursday? Maybe? And what department Adult Protectives Services? Okay, now, so here's what I'd like to tell you. Everything is going as it should. In other words, it's a process. I'm not I understand you're upset about this, but so far there's been no conclusion. Yeah, I'm aware of sure. Yes, So do you think you

need to be represented right now? Well, that's why I'm calling. I have no idea how I'd like to try hold on because you took the time to call. I'd like to try to get some legal advice for you. And I don't know if this is a normal criminal defense or a family law thing. I want to try both. I want to get someone from either Harris family Law and also possibly Joela Zara both to address this. Kachina if you. I know you're listening. Let's try to get someone on to give

Terry some direction. Hold on, Terry, I understand why you're upset three three seven one three talk. Anyone would be upset in this situation. By the way, waterpros dot net, you know, reverse osmosis is the best thing you can do with water, the best drinking water you can get a whole house system. Of course, for a few grand you can get for fourteen hundred at the kitchen sing. Whatever you get, you will never get better for lower prices ever. Okay, waterpros dot net three O three eight

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 an insurance check up free, no obligation in comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with remax

Aliance three all three nine two zero sixteen twenty two. All right, people, I ask chat GPT to help me come up with a humorous nickname for people who stream my show on Facebook, and they said, it's important to keep this as artificial intelligence, it's important to remember to keep things lighthearted and avoid insulting your audience. I guess they wouldn't like I guess chat would not like YouTube mora ons. Anyway, building a positive and engaging community is the

key to success of any talk show. Instead of using insulting nicknames, playfully refer to your viewers and listeners as now, listen to this one Facebook fumble tears or stream slapstickers, Oh my god, or Facebook funnies or stream team sillies. God? Is this written by a fourth grader? YouTube morons helped me come up with a name. Please Facebook flunkies. Okay, that's gonna be it. I took the Facebook freaks would be good, but the one

guy Hellcat said flunks. But how about Facebook flunkies and YouTube morons. That's it. We got it, Facebook flunkies. It came to me, and I guess chat GPT would not be so excited about it. Let me go back to the phones, though. We're getting an expert for Terry, so hang on, Terry, Joe, what's going on with your landscaping? Joe? Thank Tom, how are you today, good man? What's happening with

you? Thank you for calling? What's happening? Yeah? So I've got a landscape company who came out and did some side work of my lawn and to do to get down and who is the landscaper? Who's the landscaper? I don't know if I want to do it lot, go ahead, go ahead? Landscaper did some work, go ahead? Yeah. So yeah, so it's a I have a deck, it's thirty six inches high. So to get down to the landscape area, there's stairs that need to be built.

So when they first built them, everything was off code from the stairs. So had them come back take a look at it, and they said, yes, we screwed up. They were actually willing to tear down the first stairs and then build the second stairs. Second stairs. You get, they build it, and all of a sudden they're still not to code. So first project did not pass correct and the second one doesn't pass. Yeah, and then they did already come out and look at the second stairs and

they agreed. They said, yeah, this doesn't feel right. Well well wait, wait, anyway, what what what doesn't pass? The number of stringers? Too many steps? I mean tell me, I mean not the number of stringers, but the number of steps. Too many steps, not enough steps to high, not wide enough? What's wrong? Yeah, So let's say the first stairs, the heights were wrong. So they had like seven seven seven, and then like nine inches at top, so it was

it was much too large of a step at the top. Easy to trip. H Yeah, yeah, Biden would fall. Go ahead. That's exactly second stairs that they built. They've got the heights right, but now all the steps leaned forward, so it's almost like it's throwing you off. And then the second problem is the middle stringer was cut in properly, so the middle of the step isn't supported at all. I can stick my finger between them middle. So does this have three stringers? These steps have three stringers?

Yes? Okay, but how wide are why step there? How wide are they? At thirty six inches? They need three stringers. You need some eighteen inches per Have you ever thought about just buying pre built stairs? And so at the custom height is the problem. So it's thirty six inches tall. That's the problem with the first there that they had they bought the pre built stringers, set them on there. Everything was got it, but the hype. So anyway, where do we stand today? What can we

do for you? Man? I'm just trying to get advice on what I should do or well, you want to get it right? I mean, it stands to reason it has to pass code. So they just keep doing it, or they refund your money, take their stuff and move on. It's a very simple proposition. They either do it right or they don't. I got to hold on a second. I want to go to Joelazara real quick, because he's on and he's an expert, and I don't want to keep him hanging. I'll come right back to you, Joe. Joelazara Joseph

Lazara is a criminal defense attorney, and I always say this. I hope you never need him. But anyway, Joe, I don't know if you've ever handled this, or maybe you have some advice or what Terry should do? Was and was he silly to be interviewed without an attorney. But here's what's going on. He's got a forty year old son operating at the level of a young adolescent. The son has a brain condition he's forty and under his care. Terry is the guardian. Terry was in a meeting with the

son and the son's employer. This employer employs people with disabilities. During the meeting, Terry said, it got contentious and the people at the meeting reported Terry for being verbally or psychologically abusive to his son. Adult Protective Services sent an investigator last week to interview Terry. Now, of course, anybody who gets interviewed about potential abuse and all of that, they're a little pissed off. You know, you don't I don't blame them, right, you're accused,

especially if you know you have no idea what they're talking about. But anyway, he did the interview. Now he hasn't gotten results. He's not sure what will happen. Does he need an attorney? What is this a crime? What is this? What do you think? Joe? Yeah, obviously any type of abuse of an adult at at risk could be considered a crime. Obviously, a child or you know, Department Human Services, right, et cetera. They get involved in order to determine whether or not the

person's being neglected or harmed in any way. And so I would always counsel people to have a lawyer. Could this result in a referral? Possibly? And you know, if it were to result in a referral, you're looking at a potential felony charge, and those are things to take very seriously. Even for psychological abuse, if you're yelling at someone or something, Yes,

I mean it can that. That's an extreme extreme case to file criminally, but any type of abuse can at least get you know, human services involved. Could he lose his rights as the guardian? You know, I don't know enough about the facts of this case, but in cases like this, yeah, it can happen. And we've handled cases where they've been in charge of the money, exploiting the money, not providing proper housing, doing a lot of different things like that, and the stage has come in and remove

the individual. So in this particular case, Terry, do you have any question for Joe specifically since he's on Yes, I need to figure out what to do to protect myself from what you said. I don't know that protect your services is writing report or coming back. She didn't indicate that she was, but I suppose I need a lawyer up. I guess that's what I was calling. Well, no matter what I I think what you should do is familiarize yourself or an attorney like Joe to what's going on, so if

something does result, you don't have to play catch up. And Joe, is that what you call an initial consultation without charge or is there a charge? Or just to familiarize yourself and beyond standby right, we have no problems chatting with clients, talking to him in advance for no charge, no fee whatsoever. That way, they are prepared and obviously we don't want anything to

happen. We don't want them to be charged criminally, but if they do, at least they know what their next step is and they're not playing behind the eight ball there, Kerry. That's what I would do. I would call Joe, and what I would do is have him, have him familiar with the case, and then what you do is you have him on the ready in case. Then when you call him, he'll know what it's about. It won't be a cold call. I think that's the smartest thing to

do, But I don't think I would overreact at this point. You know, look at did you explain that that meeting was heated and you were upset for being accused or excuse me, no, no, I mean upset for being left out. I mean of the meeting. Did you explain why it was contentious to the department lady? Yes, okay, good listen. People know that parents aren't perfect, and you know, look, this happens a lot when somebody else gets involved. Now again, we want people to be

involved because the worst that happens is an interview. And I know it pisses you off. But anyway, let me give Joe's contact information. He's at three oh three four two nine six two zero zero three oh three four two nine six' two zero zero and he is Lazara Lazza r A Lazarillegal dot com. Joe Cannon's on the phone. I want to talk to him for a minute. Joe, I have you as my guest today. I thank

you for being here. And people want to know about not if they they want to know, what is the minimum amount of lump sum in a four oh one k an ira or a retirement account in order to transfer over. I had this question when we were talking about lump sums, getting them out of the stock market, get some security and guarantees, but we never talk

about an amount. What would be the minimum amount to open up let's say a fixed index annuity or a pension as you call it, and then maybe they contribute to it later on. But what's the is there a minimum? There's a minimum you know, by the company that we use. It's actually ten thousand dollars. Okay, ten thousand dollars full up up their account and they can one into the account if they want to, any time they want to. So there's no set there's no set premium they must pay. There's

no set premium. But if they do contribute, you know, they need to open it up with ten thousand and make a regular contribution and see if they want to. Okay, and that's Joe. Hold on, Joe, and I'll give out your number. Then we'll come back for more. Three to oh three seven seven nine sixty six hundred. He's on the show. If you have questions for him, he'll be on on and off today three oh three seven seven nine sixty six hundred. Joe, I'll get back to

your landscaping and the stairs right after this. 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? That does 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 three nine two zero sixteen twenty two. Hey Tom Martine here, So Jr. If you can just hang on a second, Hey Joe, on this landscaping thing, What was the last word from the contractor? Are they going to take care of it or not? They keep doing this. They keep saying that they're going to come out, but I think they're playing the game of if they keep blowing me off, we'll just kind of forget about it and then it's over. I want, deputy,

do you mind if we call them? You didn't want to mention them? Do you want to keep this on the down low still? Or can we call them? I'd like to call them and put a little pressure on them. Yeah, so that way they know that it's a safety is all right? All right? Have you paid in full? Yeah? That's my that's my issue. How much did you pay for the entire project? Well wait, wait when you say entire project, what did it entail? There's a retaining wall, fence, concrete, poured graph No, no, just for

the stairs, just for the stairs. Oh, I'm sorry, just for the stairs. Let's see. They didn't really like point it out, but they sent me a quote at one point, and I think they gave me about thirteen hundred dollars for stairs. Okay, so listen, man, it sounds like they're a good company if they did all the rest, right, that's the thing. It's like, I don't know why they're blowing me off. I think that's why I want to keep the relationship good. I don't

want this to be a bad thing. Deputy Doc. Keep that in mind when you call that these guys did a lot of work for him and he's pleased. So really it's just this one item, man, Just get it done, leave a good taste in his mouth. Blah blah blah. And that's what I would do. So let's give it to Deputy Doc to call.

Maybe he can even call during the show. So hang on, Joe, he'll talk to you, JR. You have a question for Joe Caanno Joe Ciano, certified financial planner and also just a believer in financial security. That's guaranteed. Go ahead, Jr. What's your question? Yeah, I guess Tom, I just don't get it. I got a three hundred and eighteen thousand of my ross at Costco roy work and another five in a quarter

in my four oh one. But I've been returning between eight and a quarter and close to ten percent in return, right, So why would I want to take any of that money? Let me ask you something, though, let me ask you something. I want to make this clear. This is not Joe talking. This is me. If you have money and it's performing, that's wonderful. But that money you have to understand something. That money in a retirement account will not most likely last you in retirement when you start

the income point. So here's what I want to say. If it's performing, well, that's fine, but I don't understand this. Are you telling me and can you tell me with a straight face that in twenty twenty two you returned how much percent on those? In twenty twenty three, I just got my notice. I got an eight point seven five. Okay, that's not what I'm asking. I'm asking this twenty What did you lose in twenty

twenty two? I didn't lose anything. Okay, I lost nothing. Okay, what did you gain in twenty What did you gain in twenty twenty two? In twenty twenty two, I gained thirty four thousand and some change. Well, that doesn't tell me anything. What percent did you make? Oh? I don't know. I mean what would that be? Well, you know the percent in twenty twenty three. Why don't you know the percent in twenty twenty two? Right? Because I just got my statement of twenty twenty

three. That's why. Okay, got it? Listen, you know, listen. I Am not going to sit here and tell you that the stock market will lose you all the time. But I will tell you this, it does no matter what it goes up and down and when it has a turnaround. For people that don't actively manage it in a very astute way, you will at times you will have losses and the following year of gains will not make up for those losses. I'm just saying this as investment one oh

one. If you lose, it takes twice as much to get back to zero. And if you're gaining every single year. If you look at your five year average and if you're telling me every single year you've gained, then you keep it where it is. For some reason. They are the only ones in history that I've heard of that can do that. So, whoever, I don't know who is investing your money, Jr. It's me, it's Costco. I'm not it's mutual, it's a Costco four oh one,

k or Roth or whatever it is. Who is actually investing the money or do you have it sitting in a fund? I do, but it's through t row Price, my Wroth and my four oh one. I'm sixty seven. I'm going to be sixty eighth July. I took out fifty seven thousand six months ago and paid off my home. So I'm just wondering, what's the annuity? Okay, Well, let's talk about it. If you took a lump sum, not all of it, a lump sum, and put it in an annuity, Joe, what would happen? Let's give him real

numbers, real numbers. He's sixty seven, So let's say let's say you did you say sixty seven, sir? Yeah, yeah, sixty seven ton, So you don't have a lot of festering tome. You don't have a lot of festering time. So when would you want to start pulling? When would you want to start pulling income. I'm starting to I collect so security of thirty one hundred a month. I still work at Costco, make good money there. And then, like I say, I'm not pulling out regularly.

But I thought I'm paying off my house. I took out. But if you do, if you you're gonna run out of money if all you do is draw that stuff down. Okay, eight percent is not going to keep you going. Now, now you know, like I said, eight percent, eight percent on a million is eighty thousand a year, and with my social security I can look comfortable with Okay, you know, do you have a million dollars making eight percent? I have five twenty five in my

route and three eighteen. Just about after the next year, year and a half, I'll have over a million. Okay, JR. I can't give you advice. If you're convinced you're going to make eight percent for the rest of your life on eight hundred thousand dollars, there's nothing I can do. So there's no sense. Okay. So if so you're asking me. If you had a guarantee a eight percent on eight hundred thousand, do you need to do anything else? The answer is no. But here's the problem.

You don't have a guarantee of eight percent, and when you pull money out, you're making less than that. So instead of making sixty four thousand dollars, if you pull if you're saying you pull that sixty four out, just that and keep the eight hundred. Yes, if you theoretically could make it eight percent every single year on eight hundred thousand, you would have an income of sixty four thousand. But that will not happen. It has never happened,

and no one can guarantee it except in a guaranteed fund. Let's talk about that coming up again. I'm not trying to convince you. If you know you're gonna make eight percent, I'd be a fool to tell you take it out and do something else. But you don't know that. But hold on and we'll discuss exactly what you would get on that. All right, 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

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 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 three nine two zero sixteen twenty two. I'm Martino here. By the

way, we had a question from Jr. First. You know, here's the thing, and I have this saying when I debate people or discuss things with people, it's not always a debate, or when you argue with people, or when you simply talk, you cannot And I've said this before, you cannot compete with bullsh bull craft. You can't compete with it. You don't have to beat me. Did you beat did you delete me? You don't have to I didn't say it chatting, all right, delete, all

right? You can't compete with bs. Now. I'm not saying the guy's intentionally b sing, but if the largest hedge funds in the world did not make in fact, they might have made. The largest hedge funds made six percent his four oh, one K didn't come close to that in twenty twenty two. But let's just put it this way. He wants to know what to do. If I'm making all this money, why should I ever get it? First of all, there's no guarantee whatsoever, So you're not going

to make ten percent a year. You're just not going to do it. Okay, But let's take real dollars. Joe, you ran some numbers for this guy, so let's do it. Go ahead, run those numbers. Yeah, tell me, you know that that is absolutely right. You know if somebody, if GI were to take eight hundred thousand dollars and place this money into a guaranteed indextinuity and only three years about and he lets it fester

till he's seventy Go ahead, Yeah, seventy years old. Three years his account would grow to one million, one hundred and eighty five thou eight fifty six. 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 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. Yeah, rip news deleted so you don't have sass. Came Shooter's gonna help him? Come man Dix, he is the Troubleshooter show. No Tom Martin Ko, Tom Martino here. Fix at twenty four to seven

is at your disposal of plumbing, heating, cooling, electric drains. Of course you're thinking about heating, right Well, if you were a member of their Green Bubble Club, you would get priority pricing and appointments at busy times. And I'm a member, and I really it's one of the few memberships I agree in twenty nine bucks a month, every penny goes toward a future replacement, so you never lose a dime and you get four visits a year

for preventive measures. Fixmihome dot com. Now Bill's got a comment on investing. One guy called before the break and he said, listen, Tom, I have eight hundred thousand dollars and I'm making a guarantee of eight percent. He's not making a guarantee. But he said, I've always made eight percent. He didn't make eight percent in twenty twenty two because if he had eight hundred grand and he made thirty grand. I mean, first of all, let's just let's just say it like it is. Whatever it is. There

are no guarantees in the stock market period. If you think your retirement account is guaranteed, you're crazy. Now I'm not saying you shouldn't have money in the stock market. You don't know what you're doing, because I do quite well because of certain reasons. But that doesn't mean I'll gamble my entire freaking fortune on it. I mean I wouldn't. So what do you do? Had so he wanted to you know, he's pulling out. He said, well, I can pull out if I had a million dollars and I make

eight percent, I can call out eighty thousand. That's right. And on his scenario with eight hundred thousand, he pull out what sixty two or sixty four? But here's the deal. That's if you had a guaranteed eight percent, which you don't. If this guy puts it in a fixed indexinuity. What would it do? He called to find out. So let's tell him, Joe, you said it before the break. Let's say it. What

would he get at age seventy? He wouldn't be able to get a guaranteed income for the rest of his life, guarantee never to run out of sixty three thousand, four hundred and forty three dollars each and every year, guaranteed, no matter what. Now, by the way, and that's only a three year festering period, Bill, you have a comment on investing. Go ahead, Bill, Oh, I get extremely lucky. I hit the stock market just right. I'm looking I rolled over my four one into an IRA

and opened the brokerage account, and I'm looking at it right now. Eleven point one percent interest for what year? Ten years? Oh? Okay, for your ten year average it's all stock I invest No, No, I understand, Bill, that's a ten year average. That's good. So you made eleven percent as a as a ten year average. I started out with seventy five thousand dollars. I got over ahead a million dollars now in ten years. That's wonderful. Now what did you invest in? Bill? I

watched Kramer whatever he suggested I bought. I bought. A friend of mine said by serious FM, So do you buy and hold? Is that your Is that your strategy? Yeah? I listened to Creme with quite a bit. I'm not asking about that, Bill, I'm asking is most of your strategy to buy something good and hold it? Yeah? Well, I try to use common sense. Okay. You know, I'm not going to say I'm super duper smart. I'm normal. But well, let's put it this

way. If you I don't know if those numbers are completely right, Bill, I don't. I'm not going to argue with you or or say that you're not telling the truth intentionally. But if you had seventy five thousand and now you have over five hundred, and you've done nothing but the stock market, is that right? Yep? That's it? Did you add to that? Hold on? Did you? Did you add to the seventy five or simply keep reinvesting? No? See, what happened was when I stopped working.

I had a I was a four to oh one from work, and I borrowed against it to buy a car. Well, I stopped working and they had no way of making my payments, so I said, just pay it off you know, hotheads, and I got killed with income tax and the whole thing. So I got pissed, and I just was just trying to make the money back that I lost. You know, what I'm asking is this. You said you started with seventy five thousand dollars. Is that right? Roughly? Yeah? And now you and without adding to it at

all, just reinvesting. You now have five hundred, five hundred and fifty thousand, okay, And you did not add to the seventy five once. No, no, you just reinvested it. Right. Well, I kept it in mostly in stocks. I bought good stocks, id what you know? Like I said, I bought Serious FM at seventeen cents. Now I think it's up around four or five bucks. You know, I bought five thousand shares of that. It just if something made sense, I bought it,

okay. But when you said you bought it, it's with the original seventy five thousand, correct, Yeah, my four one from work? Good? I know, I got over into an eye already and opened the broker's account. Got it. But you you did not transfer any more money, So no one can say that's a bad deal. If you took seventy five

thousand and turned it into five hundred thousand. Yeah, I'm looking at it now, my total now, and I'm saying seventy five that's i'd have to really, my my balance right now is five hundred and twenty six thousand. That's wonderful forty nine dollars. And what do you normally make on that in

a year? I'm at eleven percent, okay, and that's what has shown me on on my account, and at eleven percent on the year, or eleven percent for the past twelve months, eleven percent for the whole time that i've it's given me an eleven percent return right now, right now, right right. That's not you. You did not get eleven percent for ten years, but you did well. It doesn't matter. I'm just I'm more curious than anything, okay, because I mean, and I don't got a clue.

I'm not a stock market person. To me, it's a game, you know, I mean, no, no, But what you've done is remarkable. Joe Giano, would you say he's done remarkable? Oh? Absolutely, Tom, I really believe that my hat's off to you, because I mean, when you take seventy five thousand then turn it into that kind of money that you have right now, that's phenomenal. Okay, So you made some good choices with the stocks that you bought, absolutely good. Like I

said, I what Apple? What Google? When it was cheap? Yeah? It just everything's just exploded. Well you know what you did? You know, here, here's the deal. What I don't want to do. What I don't want to do ever, is give people the illusion or the idea that any one thing that worked for somebody is going to work for someone

else. Because there are no guarantees. You could have lost every dime you could well well listen though, you know, I was making money heads over tails or whatever when Trump was in, when Biden, it's just coming back. I lost. I lost money with Biden. It wait dropped, you know, and it's slowly coming back now. I figured right before the elections, I'm selling everything. Okay, So I asked chat GPT, Okay, what your average would be? Are you still there, Bill? Or did

he hang up anyway? The average rate of retiarn per year for a ten year period. I just don't believe that it happened. Okay. He would have had to make near twenty percent a year every single year in order to take seventy five thousand and reinvest it to make five point fifty. And there were years it would have been impossible impossible. Now I'm not saying you're lying. I saying something happened. I don't know what it was, but my god, I mean, you know, to average over nineteen percent for ten

years straight, that's what that's what it's saying. That's what the figures are saying. If you grew your account from seventy five to five point fifty. So you know, I don't know, like I said, but anyway, I'm glad that you're successful in whatever you're doing. And Joe, how many people do you think take a retirement account, invest it in the stock market, and live off at the rest of their lives without any other help. Not many, dam I mean, you know this, gentleman, it really

seems to be the exception to the rule. Well, he's made over nineteen percent a year according to that. I have never never, in my fifty years, you know, have met anybody that have actually met you know, said that they have made it. You know that going to return over the period of time, there's no way. Well that includes hold on, if it's ten years, that was back in for ten years. That was back in twenty twenty three. Excuse me, twenty oh, twenty thirteen, right,

yeah, right, twenty twelve, who's out? And thirteen we were coming out of every If you look at the stock market over those years, it doesn't come close to that. Oh no, you know. Actually, I mean if you if you do that chat GP you know, whatever you're doing with the program, Tom, you know, you may want to check to see, you know, what the store market I sort of need return over the left stand or twenty years that you will see that. It's not

even close to that. It's like maybe six percent at the top. Okay, That's what I'm doing right now. Yeah, check it out. What did it return over the past ten years? My god, this is the first time I've ever had chat GPT. Just blink blink, blink, blink blink. Let's see over the last ten years. Well, yeah, it's it's given me all the disclaimers. It depends on what you invested in and all of that. But this is one of the most difficult questions I've ever

seen. It struggle with it says, Okay, so if you go to the S and PR the five hundred index which tracks them, and it keeps going and it says, for example, the ten year average. I'm trying. It says it's difficult to calculate. Let's see what it comes up with. I don't know if it's going to give me a number. I don't know. It didn't give me a number. It says it's impossible. I don't know why it says it's impossible to calculate. Anyway, there you want

to bet it wasn't nineteen percent or close? Well, I come beck, Yeah, all right, doubt now, Edward, excuse me, Dwayne. Let's talk about your off road vehicle. What's going on. It's more of a question I guess about like switch advertising. No, go ahead, I know a lot about that over the years. Go ahead, sir, Yeah, no, I know That's why I called you. So yes, certain,

there's an ad. There's an add up. There's a few that are around the country, actually, but there's one in particular that I was interested in and I looked at it and it's it's for a brand new oper road vehicle, a Flaris soft road vehicle from a dealership. And you know it's it's one of their salesmen that just put an ad up on the Facebook marketplace, as they do on Marketplace and on Craiglist, and you know, it

says right on the top, twenty ninety nine dollars. And then the ad goes ahead and says, it's a fully loaded vehicle and here's all the upgrades that have been done to it, and this is the machine that you've always dreamed of. And I'm like, wow, you know that's a it's a great deal and a great machine there. And then I get in touch with them and go, you know, I'd be interested in this, and then

I guess the well, that's the base price. Then we add a bunch of accessories, wheels, hires, radios, roll cage, blah blah blah, and I can get you an out the door price if you'd like that. And I'm just wondering, is this a deceptive ad? Yes? It is that they just do. Yes, it is. And it happens with cars too. I've seen I've seen MSRP car prices on the internet and you call and they say, well that's MSRP, but we add fifty thousand dollars

or something, and you ask a question, is it deceptive? The answer, the short answer is yes. Now, what you really want to ask is is there anything you can do about it? And we'll tackle that coming right 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 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 three nine two zero sixteen twenty two. Hi Tom Martino three O three seven to one three talks

on three A two five five. So I asked the question another way. What has been the average yearly way to return for the S and P five hundred? Really not that bad? For ten years it's been eleven point seven percent. But here's the misnomer on that, or the mis guidance on that, Joe. If the S and P five hundred represented a fund and you left the money in there, there's an average rate of return of eleven point seven percent. However, However, here's the point. If you trade that

eleven point seven percent does not necessarily mean you've got a gain. If if the S and P was down, if the S and P was down like it was on a few years, it takes twice as much to get back to zero. So you would have to pick write stocks, keep them invested for ten full years, and then reinvest what you made again. I'm not

saying you can't do it, but that's the way it works. The volatility in the stock market is mostly with trading, but that's good and bad because there are many many funds that outperform the S and P and there are many that lose more. Again, it depends on what your goal is. If your goal is to go to Vegas and make it big or go broke, then you can do that by trading if you know what you're doing. If you're just giving it to a mutual fund, you can do pretty well too.

But here's the part people are missing. That ten years it's been invested earns you nothing as far as future income. It earns you a lump sum. And even if you made that lump sum, then if you divide that by the number of years you have left. Is it adequate income or not? That's what you have to do. So there's two sides to the coin. One is returned and one is harvest. Joken, you add to that real quick. I gotta love no. No, I mean absolutely, Tom.

You know you said up perfectly. I think most people today are really worried about having enough money to last them the rest of their lives. That's the annuity is for now. Dwayne, the off road vehicle, You asked a question if they advertise a Polaris ATV for twenty nine nine ninety nine, and it says fully loaded the vehicle you really want, and then you call and they say, well, that's just the base price. Right? Is that what they said? That's correct? Now, it depends on how it's

worded. But let's just say it was worded where it's deceptive. Yes, the answer is it's deceptive. But your real question is what can you do about deceptive advertising? Right? Right? Okay? The answer is not much? And I'll tell you that. I'm gonna tell you why I fought this battle. A lot people think that deceptive advertising means they must sell it or they must perform as the ad promised. That is absolutely not true. They

also believe that with bait and switch. Again that's not true. What is true is this, if you went, for example, to a civil court against them, your damages would be nothing. You simply couldn't buy it for that price. That doesn't mean they owe you anything. So they don't care about people complaining about it. They care about the few people that will buy. So the next question is who does care. The Federal Trade Commission cares

about deceptive advertising, but they don't go out looking for it. You have to understand this. They don't go out looking for it, just like the FDA does not necessarily go out looking for trouble either. The FTC will take complaints, So if enough people complained about this ad, the dealer would get a notice saying, you know, can you back up this ad? And if they determine they were deceptive, they will write a sease and desist letter.

If this place gets a season assist letter and then it has multiple problems in the future, they may be fined by the Federal Trade Commission. But the real truth is there is no punishment other than that. So people take chances all the time on deceptive advertising. When we say deceptive advertising, as you did it sounds way more ominous than it is. And that's that's the

quick answer. Now I have done. I have called places and been very pissed off when I call on a sticker price which for this vehicle would have been great, and they want to add seventy five thousand, and I say to them, that's not what the ad says, and I have not gotten it for that phrase. What they say is well, okay, and then they've corrected the ad. But you know, you can't make them sell it

for what they're advertising. That's the problem, gotcha. So it's now if in fact, there was a bait and switch that cost you damages, like you went through a snow blizzard and you were going there because they said you could get this and you called up and they said, yeah, we have three more left, and you get there and it's a bunch of bs. You may have some civil damages, but no one ever pursues it. That's why everyone does the deceptive ads. That's why they do it because they don't

care. Gotcha. Okay, thanks for calling though, because it's a great topic. It really really is. Now, Edward, what about car insurance man? What can we do to help you? I hope you're still there. Thank you for holding on. Yeah, Tom, Yes, sir, I'm here. I want some information on a claim. Okay, here's what happened in Lakewood on Sheridan. I went into a locksmith. A guy backed into my car. Well, I was in a locksmith. My buddy came running in, told me somebody hit the car. Okay. Bottom line is

the guy didn't have a license. Okay. Now, did he take off or did he stay? No, he started to say to take off, but he stayed. However, Okay, I called the Lakewood Police Department. They came, and he told me it's not illegal to drive on private property without a license, that's right. And if this guy claims he was just backing up somebody's car and he he won't get a ticket for driving without a license unless he was on a road, that's right. Okay, he did

get a ticket for unsafe backing. Okay. Good. So yeah, here's the deal. No, okay, okay, let me tell you this. The vehicle was ensured by dairy Land. Okay, who owns the car? Who owns the car? Yeah, that's a good question. I don't know. I put a claim in with dairy Land and they're like Crish Press and Naydan getting hold on. Well we can't. We cannot get hold of the person. That's right. And that's the standard answer for dairy Land is code

for I don't have insurance. I mean, I know it's it's it's truly a company. It's the worst. Well, it's one of the worst. And I don't include in the big five because the Big five are the biggest ones. But Dairyland is a terrible insurance company. I don't know if they ever paid acclaim in fact. Now listen, your situation is this, okay, Dairyland is not responsible to you. The driver of the car is responsible to you. The owner of the car could be responsible to you for negligent

entrustment of that car to someone without a license. What you need to do is some did you get the license plate number? You need to do research and find out who owns the car. Then you need to get the owner of the driver, excuse me, the name of the driver, and you need to sue them both in small claims court. How much damage was done? Oh really, Oh man, it wasn't terrible. It was sixteen hundred. Is your insurance covering it? Well? No, here's the thing on

that. I just have liability, so I don't think those subbergate. Well wait, well, of course not, because liability doesn't cover that. Yeah. Now if I had collision and comprehensive, it would correct. That's right. Would I have to have both of those for that particular one? You need collision coverage? Collision? So here's the deal, Edward. Is your car drivable? Oh yeah, no problem. Listen, did you get the name and address of this guy that doesn't have a license. I have the

name and the phone number. That's it. Well you should have gotten more information. Did you get the license plate number of the car? I believe my dad. Yes, Well, do some research, find out who owns the car, take them to small Claim Score. You'll get a judgment, and then with that judgment you can use it for toilet paper if you don't if you run out during maybe the next pandemic. But I doubt anybody's going to pay you a dime. And it's unfortunate. But let me just put

it this way. It is the way of the world. And if I say anymore, people are going to say, don't get political. But it is the way of the world. So my question is Why is our country like that? Why is our state like that? You answer your own question, piss yourself off. I got more coming up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until

you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three out three seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty

two. Hi, Tom Martino, your troubleshooter three oh three seven one three talks seven one three eight two five five Edward, what is your additional question on that claim? Where a guy pulled in, he doesn't have a license, You don't know who owns the car. What's your additional question? Sir? Oh, okay, just I gotta go after him, the owner of the vehicle and him himself. That's right, That's right, okay. Now

one more question, Tom. Now this is a separate thing. But now if a person one doesn't have somebody can name as an executor for a will. Are their companies you can hire to do that? Or is an attorney the only other choice? Okay, that's a very good question, Edward. And I'm going to tell you there are people called public administrators. Most of them are attorneys, and they can be they can be hired to administer your estate. But I'm going to tell you something straight up. They should be

called rapers and pillagers. And I don't know what size of state you have, but you can count on a big chunk of it going to them. They're the most disgusting people on the face of the earth. So I would never ever use a public administrator ever. Now, attorneys that you appoint not much better. They're going to charge out the no's, but they're not going to be as bad, but they could be. So Really, when you say you have no one, what size is your estate? It's probably a

million a million? And how many airs do you have? How many errors do I have? Yeah? None? None? So what do you want to do with your money? Yeah? See, I'm going to give most of it to charity. Okay for that? For that, then it doesn't matter because if you're giving it most to charity. You can do that now and the charity will step in when you die. Uh huh. So you can actually arrange that through the charity's legal department. What charity or do you

want more than one Saint Jude? Then okay, you can arrange that with Saint Jude. They will have they have endowment programs and you can go directly to them and they will do all the paperwork. So when you pass, if you need money for burial or this or that or the other thing, that's set aside. The rest of it is automatically transferred. That's what you ought to do. Do not use the public administrator. Yeah, how old are you, Edward? You gave me that advice? How old are you

turn seventy? Oh my god? And I don't have an any name as an executor any danas problem? See yeah, huh, you just turned seventy. Just turn seventy. Yes, that's correct. Okay, Well, I hope you have a good long life. I turned seventy a while ago. Yeah, I was reading about that. So here's what you do, sir. You call Saint Jus and if you need any help, you call us back. Okay, okay, but make sure you deal directly with them.

What make sure you deal directly with them? Yes, sir, Yes, sir, I got you all right, Edward, stay in touch, bro Thank you. Three O three seven one three talk seven one three eight two five five. I thought it was imminent any day now. He just turned seventy. Okay, anyway, you got to be prepared. This is good. Good to be prepared, Antoinette, what's going on him? Hey, what's happening? So my this is a car thing about the dealership switching out

their lice some plates. So back in October, and it's taken me a minute because I had to get with the Saint Trooper to send him proof that these people switched out their license plates. But I was taking my son home. I was taking my son home back October fourth, and we were cruising down sixty fifth towards Federal. And as we were cruising down the street, I get fired. I get hit by this car and I looked to my left and it's the big SUV. Yeah, and well, anyway, I

get a bunch of people. I'm sorry, hold on a second here, Yeah, that's give me something. But we get a bunch of a bunch of people running out. I'll tell you what if you could do me a favorite, Antoinette, Just get settled. I have to take this break anyway. I want to come back to you. So back in October sixty fifth in Federal you got sideswiped. You said someone switched license plates. We'll come right back and talk about it right after this. 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 checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three O three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. I'm

Martino. You're a troubleshooter. Three oh three seven one three talk seven one three A two five five, get your calls and we have a lot of time, Antoinette says. Back in October sixty fifth and Federal got sideswiped by a big suv keep going Antwinette. What happened then? So? Yeah, so when we got hit, and it wasn't like really bad because they were backing out of a parking lot. So they hit the side of my door and the driver's side where the mirror is where it increases. Yeah, and

so it was just me, my son and my ship suit. So anyway, I looked to my left and I got a bunch of people running up to my window. And one guy comes up and he's like, hey, hey, you hit my car. You're gonna have to pay. You need to, you need to you know, give me your insurance information or wait wait, wait wait wait he accused you. He accused you of hitting him, and he was backing out right. We later found out it was this woman and she was what the poe because I didn't really get to see,

well, where where were you? Like, where were you like in the aisle while he was backing out or how did it work? Or was he were you next to him in the parking spot? No, we were just we were driving down sixty fifth. It's a street that's there's a seven. Oh I get it, okay, okay, got it. You were driving down sixty fifth right right right. We were driving down sixty fifth approaching Central. Got it, and he was backing out. Got it. So he says, wait a minute, you hit us, and technically, you know,

his insurance would claim the same thing. That's what that's the problem with these things where you're moving down the street. The question was were you going too fast? Could you have avoided it? Or is this guy at fall? But keep going? What happened then? Right? So then what happened is well, so he comes, well he was beaten on my window right like a cry, right right right? Got it. He's like, he's like, you ow, he goes you hit my car, You owe me

money. You can either we can do it to call the cops and get the insurance or whatever, or you we can do it without it, and blah blah blah. And I said, wait, wait, wait a minute, I said, I rolled down the window. I said, first of all, I was He said, I was speeding. Let me put that in there. Two And I said, I rolled down the window and I said, let me stop you right there, I was not speeding, So you need to stop saying that. And he was like, well, we

need to resolve this. Blah blah, blah, and I said, give me a minute, because I was calling because my daughter had handled the insurance because I didn't have the money. But it's a lot of other things that won't I won't go into right now, but anyway, so I don't have a job. I thought my insurance was effective. In fact, it wasn't, but she called to get me insurance even though I knew it wasn't going

to do anything. You know, you got to go to court and be like, here, I do have insurance, and they're like, okay, whatever, you know, as long as you brought the proof in. So anyway, you know, they're like all right. He's like coming back and forth to my window, and I told him, let me just get out of the car and we will discuss this. So he said okay, and then the woman comes up. Now he said something about we need your license. So this woman comes up and she's you know, she doesn't her English

is kind of broken, and she's like, I need your license. And I said, no, ma'am, I don't hand my license over. I said, I'm going to get out the car. We're going to exchange information because I know for a fact that I was not at fault. So then he's like, well, let's just take it to the warehouse, and I'm like, warehouse. Me and my son are looking at each other. I'm like, why am I going to a warehouse? Go with a sure thing

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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 Yeah with news need advice so you don't have come a run in Just as fas as we can. Shooter's gonna help come man, This is the Troubleshooter Show. No

Tom Martino. Hello, I'm Tom Martino. Welcome to the show. Three oh three seven one three talks seven one three eight two five five is our number. This hour brought to you by eight eight eight Heating dot com for high efficiency replacements of your furnace with heat pumps or not, but high efficiency, and they guarantee to save you money going in and every single month. People you know and trust at eight eight eight heating dot com three oh three

seven seven zero two seven seven six. Hey, welcome, what's going on, let's talk. Antwinette says, Okay, we were driving down sixty fifth guys pulling out of arkspot or a woman is and sideswipes me. They accused me of hitting them. I said, I'm not at fault. We were exchanging information. Take it from there, Antoinette, what happened then? Okay, So after all this back and forth stuff, but I'm sorry if I'm giving too much information because I don't know what you want exactly. So I'm

sorry. At this point, I don't know what I want either because I don't know where it's going. So keep going. Okay. So after all this back and forth stuff, I've the cop the Continent of coming is actually a stake trooper, and before he came they had said they had called him. I said, that's fine. I said. I was like, well, go ahead and calm because we're gonna call two. So when we were

getting out the car, I was video recording stuff like that too. The vehicle, my vehicle, the woman that was driving, supposedly, and some guy, another guy that was with her. You know, I'm like, where are you going? And he's like, ma'am, ma'am, can we please leave? She has an important meeting to be at by seven, and me being kind of dodo, I guess I figured because I took a picture of her license and I did video record the vehicle and got the license plate

on there, I was like, yeah, whatever, you know. So, so the state trooper comes and we're explaining what happened, and he said, so, it's a hit and run. I said, yeah, they said she had a meeting to go to, but it wasn't. It wasn't a hit and run. No, it wasn't what use we called it, but it was meant she had the scene of an accident or whatever you want to call it. But yeah, so he because I had our driver's license

information, he said, Wow, this is pretty easy. I'm going to go give her a big fat ticket because she shouldn't have done that, and she was that fault. She was pulling out of this dealership that's right on sixty fifth and Federal. I don't know if I'm allowed to say or not, but I won't say it. But anyway, it's a little rinkyding dealership. And so she got the ticket. But when the report came, I

guess they spoke to a different officer and they lied to that officer. They told them that the reason why they left is because my son, Robert was making her feel uncomfortable. And I'm like, are you kidding me here? That dude kept be on my window several times. But anyway, I looked at the report. They changed the license plate. This is my thoughts, but they had I'm thinking it was her personal vehicle and her husband owned that

dealership. They switched out and put the dealer license plate on their personal vehicle to you know, skirt around getting insurance for their own car. And so when I told the state trooper that I actually have video of the right license plate and I screenshot it and said it to him, he then changed me. This was about a few weeks ago. I got to go get the report to the correct one, and I can still what does it matter to

you? What does it matter to you? Because I want them to fix my car, But what does that have to do with the license plate if they're at fault. Listen, I don't get what you're getting at. The license plate has nothing to do with it. Their insurance has nothing to do with it. They owe you for damage to your car, right, well, so what does any of this have to do with anything? You go

after the driver of the car for the damage of your car. That's yeah, That's what I'm trying to do. But okay, so hold on me help with that. Okay. Now what do you need help with if? How much is it going to cost to fix your car? I don't know, probably a few thousand dollars. You need to get an estimate. You need to get an estimate. Now, did the other party get a ticket or not? They did? Yeah, he gets the officer gave them a

big fat ticket. Okay. Then what you need to do is use the information from the police report and you need to serve them and take them to small claims court for the damages to your car. You're not you don't have to try to find their insurance, what license plate belongs where, None of that matters to you. The only thing that matters. The only thing that matters is that they damaged your car and the police determined it was their fault, and you take it to court. That's it, and you'll you will

get paid, but you have to do the legwork. It's not gonna be automatic. They're gonna lie to their insurance company like they lied to the police officer. You have to bring proof and you have to go to court, and you need to say I was driving down the street. They were pulling out. My car is damaged. I want reimbursement. The police officer gave them a ticket and said I had the right of way. So that's it,

and they're gonna probably say she was speeding whatever. But none of the other stuff matters about leaving about license plates, you're confusing people when you add all of that detail. Okay, I didn't know if there was anything this. I mean, I didn't know. I was just okay, hold on, the only time that license plate would have mattered if they claimed it wasn't them or something. I mean, the license plate is neither here nor there, you know, Okay, it really you know, it's a gotcha,

but it doesn't really come into your situation. It really doesn't. So just do what I said, get their name and address, have them served if they are part of that dealership. If that license plate, either one of them goes back to the dealership. Just try to serve the right people and then go to small claims court and get a judgment. Again, a judgment is no guarantee you will collect, but at least it's something, and then

you can take that and proceed to collections. Now do you have collision coverage? Oh? You know you said you had no insurance at the time, right, I didn't. Honestly, I didn't have any because I thought, yeah, that's whatever. But now you could have gotten a ticket for that, So you better leave well enough alone, right now, go to small claims court and try to get this thing fixed. Thanks for calling, so let us know how it goes. Three O three seven to one three talk

seven one three A two five five. Joe canos with us from my Money, my Way dot com and three oh three seven seven nine sixty six hundred. We've been having quite a discussion and I'm getting a lot of texts on the S and P over the last ten years the stock market, if people had money invested, would it have been better than an annuity? And I really want to make something clear, Okay, and Joe, I think you'll you'll agree. I will never suggest an annuity because it has a bigger rate

of return than the stock market. I will never suggest an annuity because it's the only invest investment you should have. The reason I suggest an annuity is because it is a guaranteed return. But the most important part is guaranteed income. The question is if you had money in the stock market and it grew to a big amount and you start drawing it down, will it last the rest of your life? What an annuity does, a fixed indexed annuity is

it takes the guesswork out of it. Now you can do investing all you want. And I think some of your money should be And by the way, I practice what I preach. I have some money in the stock market, I have some money in a fixed indexed annuity. I have some money in the bank on very conservative like money markets and stuff, and then some in treasury bills. People need to make up their own minds on this. So Joe, let's talk about that. Yes, and it's actually Jordan's I

switched out here with my go ahead. Jordan talk about the return and people are saying, look Tom. Over the last ten years, the S and P did eleven point seven percent. But most people don't go into the S and P and just stay there. They trade, and many of them end up in a volatile situation where they're playing catch up. Some people don't.

If by the way, I just want to mention this, if people had put in fifty thousand dollars like that, one gentleman said he did ten years ago, and it was in an S and P fund that returned eleven point seven percent average. By the way, averages are really not accurate either, because an average means it's an average. You could have had losses in those years and then you could have made up some time. But if you make a loss, the average return won't get you back to zero. You have

to make double that. So even though it says that the ten year average was eleven point seven, that doesn't mean you were making that. But let's just say you were making a guaranteed eleven point seven for ten years. What would you have if you put fifty thousand dollars in You would have one hundred and ninety seven thousand dollars. That's what you would have if you reinvested your earnings and you compound, so you'd get the compounded return that's if you had

a guarantee of eleven point seven. Now, if you took the same fifty, I don't know what it would be. If you took the same fifty and put it in a fixed indextinuity and you got the bonus and it festered for ten years, how much would you have? I don't know how much would you have? And again it's it's not saying you would have a guaranteed of one hundred and ninety seven in a stock portfolio, because there's no guaranteed eleven point seven percent rate. But if you got a guarantee of eleven point

seven, then you would have one ninety seven. What I'd like to know? Okay, And here's another thing you need to know that one ninety seven In a stock market, you also pay taxes on those returns. You got to keep that. Unless it's a qualified account. In an annuity, you don't pay taxes on the returns until you draw out. Is that right? Do you pay on the income? Yeah? Okay, okay, that's the same as this. Well, no, on the stock market, you'd pay

yearly if it was not qualified. Correct, So you theoretically wouldn't have the whole amount to reinvest. So it really gets complicated when you're comparing and Jordan, that's really you know, what your dad does. He compares it to the stock market. And a lot of people are texting me saying, I like my stock market. What about if I did both? And I think people are getting the wrong the wrong impression that we're saying you should have zero

money in the stock market and we're at all in an annuity. I don't think that's true. No, And I think that's exactly what we try to preach as well as we think. You know, it's the old thing, don't keep all your eggs in one basket, right, you know. And I'm always straightforward about this with everybody. We're very transparent. I would say, you know, that's the reason why you keep stocks is for some higher potential, but also for some better liquidity, you know exactly. And so

what I mean by that was you hit it on it earlier. The annuities we focus on. Main idea that most people are looking for is to get off that roller coaster. Because you said it, if they got that eleven percent every year, that'd be different. But most people are going to see some big negatives. And I'll be honest. People get a little stir crazy because they see those negatives and they change the funds, they switch out to us, and then they might not write it back up. So here's what

I want you to do. Would you just do do a conservative for someone with fifty grand? If they put fifty grand in an annuity with today's bonuses, what would they have in ten years? Can you do that for me? Yep? And I can actually and the thing is and just so you know, it actually uses the last twenty years of the history. Whatever you can do, I just want to know what would be ten years at fifty grand with today's bonuses. We got more coming up on the Troubleshooter Show.

Go with a sure Thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content years. 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 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 all

three to zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three zero three seven one three talk three oh three seven one three eight two five five, any and all calls about anything. We love giving information that can help you make wise decisions on anything. And if someone's screwed with you, let us know, please. There's a ton of consumer news that haven't gotten to

either. But Jordan Caiano, we're talking about investing as well, and there's a discussion about the stock market and the average rate of return or the yearly rate of returns, and you know, there's no doubt that people in certain funds can make money, and that the stock market has been a hedge against inflation. The problem with the stock market can be as volatility, and when you actively trade, do you actually make what the stock market makes? Not

all the time. Some people try to outperform it and they end up losing, or the stock market itself crashes and it takes years to make it up. But now there are alternatives, but I don't think anyone is wise if they tell you one investment will fit everything, it won't. There are investments for guarantees, there are investments for extreme growth. There are investments for safety.

For God's sakes, Tea bills themselves are the safest when it comes to risk, and T bills you can buy for short term, long term, and you can have all kinds of income. But that means drawing it down. That's the part that gets tricky. No matter what you build up, if you don't continue to build it up, you will exhaust it pulling it out depending on what your needs are. So the idea with an annuity is to level out the demand to where you can draw it out monthly or yearly

or weekly for life. And that's the guarantee they give you. And the amount you can draw out depends on what your account value is. So it's not magic, but it can. It's one of the few tools that can actually pay out more than you've made. It can, and anything you leave on the table if you die, we'll go to your heirs. Now. I hope I'm explaining it properly, Jordan, But I asked a question.

What if you only had fifty thousand and not a dime more, and you put the fifty grand in an annuity for ten years, what would the account value be Taking into consideration the sign up and whatever. What would you have at the end of ten years? And that's the thing. There's two parts to it. But to make it straightforward, at ten years, they're guaranteed to have two hundred and seventeen thousand dollars and that is that is unfreaking belief.

How much did you just say two seventeen two one? Seven's to see? And that's way more. Even when I go to chat GPT and I put in the best scenario, the best for ten years in the S and P, for the best it's ever done, you would have one ninety seven. That's assuming you kept it there, reinvested every penny and did not pull it out right. But and there's another component though with that annuity that you don't have with the S and P, and that is what income income long

term care protection? What do you know, what would the and again we're talking about a very small annuity, what would that income be on that? Well for somebody I ran it like fifty five, I wasn't sure what that gentleman's age was. But in ten years at sixty five, they basically have almost eleven thousand dollars a year, about almost about one thousand a month, right, yeah, and how many year life span did you give that guy? Oh? Was it goes all the way up to these reports go up

to one hundred, but they go yeah, exactly. Okay, so up to one hundred would be how many years did you figure? Sixty five? Yeah, start in thirty five years for thirty five years, and then again a two hundred and seventeen thousand. You said it if he took that money in well, hold on, if it was in the stock market. If it was in the stock market, his income would be it'd be drew it out the same span would be five thousand, six hundred. Yeah, unless

they took more. But you're right, yes, because that's right. For it would be five thousand, six hundred for the year. And so you're talking about double that and you're talking about again that's not we're not ready. You know. We're not saying that that a fifty thousand dollars annuity is ideal. We're not saying it's not either. But I mean, if you can make if you can grow that to over two hundred thousand dollars just sitting on it guaranteed, then there's a lot to be said about that. Again,

I'm not. I'm not saying it's the only thing in the world. There are some people, I mean, you guys happen to specialize in it. And I can say that because you have more than fifty seven you can choose from what is the best bonus people can make? Right now? No, that's I say a loaded question. But right now, I mean there's companies, as you know, given about fifteen percent, and they're giving really low seeds of a tenth of a percent a year. That's something else to factor

in. We're talking about a tenth of a percent on the fee, almost nothing. And when you're talking about just a regular brokerage account or your four care anywhere else, they got a factor in those fees too, which typically pro one cater's going to run two to three percent. All right, somebody somebody texted me on that, Jordan, and they said this, I'm interested

in the cost of buying annuities. So that money that you've just quoted is that after fees, that is after fee, that's that's that's exactly right after fees with their bonus and again long term care death benefit involved and gets okay, so what is what is the fee? What percentage per year? They're just wondering about it, and that that's what they texted me. And by the way, if anyone wants to text as five seven seven three nine, go ahead. Yeah. So all the all the ones that we focus on

are one percent or less. But the one I just mentioned is the tenth of a percent? Is that one percent or less a year a year? Correct? And they just take that off the account and is that on the entire account balance? Correct? The okay? And I should mention this that is less than most investment count I mean, if you are doing the stock market with an investment advisor, it's going to be about one point five to two percent. Yep, you got it. Well, yeah, it's called

assets under management. Someone else texted me, Tom, what proof is there that the annuity company will stay solvent? Great question? You know, these these are good questions from I love that you have these textans that coming in. They guarantees with these This is how powerful they are. They're ran by insurance companies. They're all you know, AID A plus rating. We're talking about all about one hundred years old. They've survived for many, many depressions

and all that. But the biggest guarantee and this is it right here? Is it's state fact? Each state has an insurance commissioner that they actually have rules and backings behind accounts. God forbid, if a company every went belly up, they have rules that they have their own funds to help guarantee, you know, to pay out to the people of the state if there was

an issue. But that's again we're talking about few and far between, and states only do that because they know more than likely they would never have to pay that. You'd never find that with securities or investments on a four one ks that would never be the case. Wow, all right three O three seven one three talks seven one three eight two five five. We have more coming. Red up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're contents. 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 with Remax Alliance three oh three nine two zero sixteen twenty two. Time you know your troubleshooter at three oh three seven one three talk seven one three eight

two five five. We have open lines you can get right through. So let's talk about some consumer news. We talked about shopping online yesterday, and I realized that about ninety eight percent of everything I buy is online. I'll go on for various things. I mean, I'll just you know, whatever it is, whether it's my home, studio or office, or my car, and you know, floor mats, something for the house, clothing,

I go online and I can get it the next day. Most everything I get the next day, even when it comes to groceries and things I usually order and they're delivered for just a few bucks. I'm saving money all day long. And so many people have started doing this now. The pandemic brought that out a lot where people were going online, and it hasn't changed much back to normal. In fact, around the country, retail stores are closing brick and mortar stores, and I don't know, I mean, I guess

it would be a sad day you didn't have stores to go to. A lot of people liked shopping, but a lot of malls are closing. Retail stores are closing. In fact, listen to this in various parts of the country. In California, for example, up to twenty percent in different areas. San Francisco, a lot of asked to do was crime. Twenty percent of the stores closed in San Jose, twenty three percent, in Denver fifteen percent. We're down fifteen percent on stores, and more are scheduled to close

this year. The largest, the most stores are closing in California, and that's maybe because it's such a big state, but we're in almost every state we're losing stores except for the Midwest and then down in Alabama, Louisiana, Mississippi, those are not There's nothing much closing, but remember there weren't many stores there to begin with. Florida's got a huge number of stores closing, especially in the Orlando area. And speaking of bricks and brick and mortar stores,

technology is suffering the most. Most people are getting their technology online. Clothing stores are really suffering, and a really troubling trend is that a lot

of people are using brick and mortar stores. They're doing it to try out stuff, and then they go home and order it So as far as metropolitan areas, if you had to pick the biggest decline, San Jose, California, Seattle's next, San Francisco's next, Salt Lake City, and then in Texas you have Austin, Washington, d C, Tucson, Arizona, Phoenix. Denver is not Yeah, Denver is in the top twenty down at sixteen. That's Denver, or that's a whole metro area. So it's really spells

bad news. When you combine that with office spaces going down, people are getting less square footage, requiring to people, requiring people that they come in less and do more virtual working. When you consider all of this, commercial real estate is hurting, the future of comercial real estate is hurting. If you're involved in a rate a real estate investment trust, you have problems. Many of them won't even let you out. Some of these real estate investment

trusts. You may not know this, but it's an investment that used to return loads of money. Here's what it's doing now that you know. You buy shares, you get in and they show the value up here, but you can't get that money out if you own three percent of it, five percent, ten percent, one percent whatever you own of that rate in shares. You have to have a market for those shares. So even though they said you bought it at five hundred thousand, the building's now worth one point

five. Or a cluster of buildings you bought it in at you know, five hundred. I mean if they were worth ten million now they're worth eighty million. It's not worth eighty million to you. Your share is worth nothing unless you can sell that share. So reats are taking a giant and giant hit. So please be aware of that. That real estate investment trust, what that is is a pooled investment. That's really what it is. It's bad news, Jordan. Have you had people getting out of real estate investment

trust and trying to reinvest, maybe with an annuity. Have you talked to anyone in rates that even can't get their money? Oh? Both stories, and unfortunately you're right on point. There's a lot of them that I've heard of gone out of business and people are left with the piece of paper they have to go to the lawsuits sometimes try to get into the mass lossits with their money or you said it right there. When they want to get out, a lot of them have time periods that they can't get out on.

First off, they've like a locked in period or they have to wait and then you said it best there. They also have to have a market for it. So yes, great times for them. There are benefits to them. It's another investment. But again, you know, it's just timing of the market, right or timing of the real estate area. We got to be in the goodest place for that, and you're at a good point that

it's try to get a little shaky right now. In fact, global lenders and US lenders are saying they're trying to get out of real estate commercial real estate. Not only did you have the slap in the face of COVID, but then you have retail space and office space both hurting. You also have interest rate spikes, so all of this is a disaster. I would hate to have commercial real estate right now. Oh my god. I mean it's going to be a disaster. This is going to be one of the next

big problems when it comes to people losing money. We have more coming up. Go with a sure thing Denver's best Rufer 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 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 three nine two zero sixteen twenty two. Hi Tom Martino here. Not only by the way, are read's bad ideas? We are going to talk about tenant landlord

stuff. If, if, if it's ever been the worst time to be a landlord, it's going to be coming up due to new laws and legislation pass last year taking effect this year, and also things before our legislature right now. Now you've heard me say lopsided government is never good. And that goes for which I don't care what it is. Lopsided in any direction is not good. You need checks and balances. I don't care who you are.

You need checks and balances. And the Democrats have made a complete mess, a complete mess of Colorado, complete end of the city of Denver, and it continues now. If it was all Republican, they'd make a mess in some other way, I'm sure, but right now the Democrats have to take credit because they're in control, and it is a complete mess. Our city is losing downtown tenants like crazy. So we talked about real estate investment trust. Commercial real estate is in the toilet. Okay, now here's the

most stupid thing I've heard. Because reads are so low in value, you should buy them right now. Well that, oh, that, that's that's a good that's good advice for some investments, you buy when the price is low. But the problem with commercial real estate is that I don't see a growing market for it in the future. 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 checkup 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 with Remax Alliance three all three nine two zero sixteen twenty two. Ripped of news you need advice, you don't have runiousness as you can. The Shooter's

gonna help coming man. This is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to the show. Three oh three seven one three talk three oh three seven one three eight two five five. We've been talking about investments and annuities today and as well as other things, and we're talking about commercial real estate and what a hit it took because of COVID.

At first. The other thing is the uh, it's it's just bad time because not only did COVID show people they can work remotely and it really diminished the importance of commercial office space. You also now have retailers closing all over the country or consolidating and taking less square footage because of online shopping. No one ever thought online shopping could take the place of brick and mortar, but it does. Now. Almost anything can be gotten the next day or

at the most a few days. I mean, I don't even know anything that takes more than a few days. I mean, I guess some giant piece of something. And the other thing is it not only is easily accessible, but you have no hassles. You don't have any availability problems. I think that the dumbest thing I have ever heard. When I went to a store, we can order it for you. And I'm thinking, now, a hello, moron, Why would I order it from you when I can

go home and get it tomorrow. I mean, this is what's going on, and I kind of feel for people, and I want to know if you're listening or my YouTube morons, my Facebook flunkies, I'd like to know where you shop? Do you still shop deputies? Deputy Dollar, do you still you know? Do you still go to stores a lot? Do you shop online? What do you do most of your shopping? I shop online quite a bit, but I mostly or not. You don't have to go along to them. I'm just curious. What do you do? Mostly mostly

online? But if it's clothing, I like to go in person. You know, I get that too, And unfortunately for stores, I've sometimes gone to try something on, and when I know exactly what it is, sometimes I order it online. I might buy one at the store and then buy others different colors online. Deputy Chopper, where do you shop? If you shop at all? I mean you're kind of a hermit. What do you do chopper actually had to leave early, so it's just dollar right now,

Where do you shop, Kelly Kachina for what type of thing? Okay, go down the line, like do you do always go to the supermarket for groceries? You don't do any delivery, very rare. You want to touch it and feel it and look at it, right, yes, okay? What about clothing? Mostly online? Okay? What about household goods? Just different things like electronics? Right, I mean, we pretty much do online for all of that stuff because it's just so much easier. But I know

it is, I know it is. For food. It's just you know, for me, I like to actually, you know, inspect the produce that I buy and I like to, you know, kind of have that part of it. So Jordan, what what where do you shop? You're with that. I'm honestly do all my stuff on Amazon, all online. I mean, you know, if somebody would have asked me that years ago, I would have said never. I mean, that'll never take the place of a store. I hate store. I hate going in. I hate

talking to the people I hate. I mean I not I don't hate them, I mean the people I don't hate. But there's the whole experience. I mean, and you know, it's just amazing to me, like you have morons now at stores that that they're just so unmotivated to help you. Then it's like I've had people tell me, oh, no, we don't carry that because they don't want to try to find it. And have you have you ever tried the apps in a store where it gives you the aisle

and the bin. I like those. You don't have to talk to anybody, So you go to the aisle and the bin number. Home Depot has one, Best Buy has one. They all have these apps that that lay out the store. Now, one thing I don't shop online for I never tried. I don't think I can is like a custom made computer. Like if you're if you're specking well, when I specked out the Apple, I went on Apple and did it. But when I and I talked to a guy there on the on the phone to spec out this laptop because it you

know, it was one of those M two chips and all that. To spec out my son's PC that he uses for gaming and other stuff, we went to uh, we went to microcenter because those then you ask those guys what you about this what about that? Is this much better? Is that much better? And and they speck it out there and build it, so we wouldn't do that online. In fact, I don't know if you can

really. Dell used to do that online. Do they still have a site where you can go and and cherry pick your computer and then have it shipp to you. I don't even know. So that's one thing I think, Uh, Microcenter still gets my business there. So anyway, three zero three, seven to one to three talk. Ryan has a problem with a used cargo ahead, Bryan, what's happening? Yeah, hey, Tom Man, appreciate the call. Yes, Well, I'm on a car last summer about

June timeframe. What is it trouble? It's a twenty eleven Chevy and Hala okay, b real find machine. Not in a hurry. I mean, I'm a car guy, but I didn't look at it real close. So by the car start having some issues with it, like okay, you know, be a man, you know, I screwed up. I bought it, you know, without looking at it and going what issues did you? What issues did you have? Immediately I had transmission issues and suspension. I took it the whole Horrison. I bought it was to take a long trip.

I drove about ten hours in it, and I mean it was white knuckling, like a parade for my life in Kansas City. So the transmission and the suspension correct, what else? So those were bad? Oil League? How many? How many miles on it? That's really where the the reason for my call. So there was one hundred and eight when I bought it, or just over one hundred. I finally had enough of this car and I just went to trade it in last week and a different dealer I

traded into. He said, man, they rolled back that odometer one hundred thousand miles on you. So he went, he did the vincheck and he showed me where the vehicle had two hundred and six or something. Was okay, hold on, hold on, man, that is that's a So who did this? Did you buy it from an individual? I bought it from a small dealer out of Lehanto, Colorado. Have no issue putting him on blast. Who is the who is the dealer? The dealer is gear ahead

again? Okay, hold one, gearhead. Are they still in business? Yeah, as far as I know, Well, I mean that, I mean they have to they have to how long ago'd you buy it? It was back in June, so less than a year. And I called him and I tried to give him a chance to get me right on the mechanical. But I didn't know the paperwork issue until I went and traded it in. You know, just Resa, I didn't. Okay, listen, did you already trade it? Yeah? It's well then there's nothing we bro there's

nothing we can do about it now, right. Well, I had to come out of pocket to this guy. Help. I understand that. But but we we can't go to him now and say, you know, I mean, he's gonna you're gonna have to prove your case. It's not going to be you should have done it before you traded it. I'll bet you we could have gotten you every penny bag. Well, he just called me today to say where do I send the payoff? Because I did finance the

car, so he hasn't sent the check yet. Wait a minute, you traded into he's got to pay it off right to get the No, No, I get it, but hold on how much the twenty eleven Chevy and Palla actually had two hundred thousand miles on it? Correct? And it's an LTZ package for what it's worth. Okay, So did you tell the guy why you were calling? Uh? What do you mean when I called? Who the dealer that sold it to you? Gear head? Do they know what? Did they know that you know that the odometer was rolled back?

No? Do you want to? I was getting ready to sign the paperwork? Sure, well, hold on, do you still have the car or is it? Is the other deal done? If that the other dealer, that paperwork signed, But he has not sent the payoff for that other car yet. He hasn't you know how? He's got to cash the check or send the check to the bank for the title. He has not done that yet as of today. Does he know that you're trying to fight this guy? Is he waiting for that? No? Man, I was listening.

I listened to your show. I heard the number. So you know what I'm gonna call? You know what? Listener? Okay? We should does? I don't know what this guy'll do if he voluntarily? How much How much do you owe on that in Pala? How much did you How much did you pay for it? I mean, have you paid it down a lot? What did you pay for it? No? Not really at all. It was a small loan, so I put it. I think I financed eighty three hundred. Okay, so if you don't have to pay that

off and he has to pay it off, that would be great. But how did you how did you reconcile that with the when you brought it in an ode eight grand? What did this guy give you for that car? To be honest, I don't know the exact numbers because we had to fight back with the bank just to get like enough money for the new car, because now I'm going to have to carry over some negative. He's like, I will do what I can. How much can you come out? And I told him he said, now, I'll make it work up. Give

me like five grand for it, I think, which is outrageous. It's probably worth one hundred dollars. No, he probably did it on paper. He didn't give you five here's the deal man. If you if you like the guy you bought, so you got another car now right? Yeah, So you want to sue this guy a gearhead for damages? You know I would do that. I would actually do that in small claims court, and

I would call the dealer licensing board as well. But I would first see you can get it from him in a kind way, or we can call him and say, look, you know we had what proof? Would we tell him we had carfact? Okay, do you want us to call him right now? Sure? Okay, dollar let's call him right now. Let's let's or or doc or whoever I think dollars sitting right there. Let's call down there to Gearhead. And this is in did you say la hunta correct?

And his name is Gordon somewhere or the French Gordon French, the hunta Gordon fringe. Man, that's crazy stuff. Early on I gave him a chance to make it right on the mechanical issues, and he blew me off. He said, well, you know Colorado long you know I had breaks in two pieces. You own both of them. No, no, no, no, I get what he's talking about, as far as that as is means as is, But it doesn't mean cheating. I mean, you don't get to cheat just because it's as is. You know what I'm saying,

He lied to you. Now, But what if he says he didn't know about it? That? When was it turned back? Do you know it was between there? He bought it at auction. All I could tell by what's on the car facts and forgive me, I don't have it in front of me right around what he purchased it is when it rolled back, whether that was before he bought it from auction or right after he bought it

from auction then, but he could have done some checking on that. I think you would win, man, I think you would win in small claims court if you suit him for seventy five hundred bucks saying I went out of pocket. I want my seventy five hundred. I would really really press this guy and first deputy deputy Dollar. Let's call his clown this, this guy in Lahunta, this Gordon French gear head. This is crazy. And you can see clearly where it was two hundred and the next sale it was one

hundred. Yeah, okay, hey, hey, why don't you call him and see what he says. I tell him we cannot only get his license, but this guy could be liable for other things too. And all this guy wants Ryan is to get it paid off by him. That's it, get it paid off. Now, what if the guy says he wants to buy it back, he could have it. Well, you have to make a deal with the guy you just bought the other car from. You got to get that car and you have to get it back to him, get

the money back, and then pay it down. But we'll work it out one way or another. You got screwed, sir. Hang on, Hold on now, Yeah, you got screwed. We're gonna come right back to Dorian, who has an HUA issue, and Mike's got a comment on ts A at d N 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 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. Him Martino your troubleshooter three O three seven one three talk three oh three seven one three eight two five five So Ryan we have did we have Deputy Dollar working on that? Okay? Hang on Mike. What is your comment on TSA at d en? Hey, Tom, Thank So. I traveled last week to Phoenix and I went to the I and I'm traveling again tomorrow and the security lines have gotten absolutely out of control, and I'm sure other people are aware of that. And TSA

claims there's a labor shortage and they just don't have enough personnel. And the part that bothers me is that are our airlines check our check our driver's licenses or boarding passes when we get a when we get a when we get our barding pass, so they checked our identification and then they do the same thing before you board the plane to make sure that you're you're traveling with a with

a with a boarding with a Wait a minute, wait a minute. I've never had them check my license beyond the security and then when I go to the gate, they just wanted to scan that QR code for your boarding pass. But if you travel international, they do check your your make sure you

have your visa documentation. So okay, what I'm gonna making is TSA has has DSA agents checking our boarding pass and our driver's license or our visa and they're causing these long lines of danger where any any terrorists can walk in there with a bags full of bombs and blow the security line away. Because p

s A is not protecting us and they're causing this quagmire. I mean, if a person doesn't have a boarding pass, are you talking about as security or are you talking about where they check your for your visa at security before you go through the x ray and before you get your body scan. I'm saying that TSA is creating a problem that doesn't need to be remove the agents

that are checking boarding passes, they don't need to check that. If a person cross US is through without a burning pass and goes to the gate area and they went through a body scan in there and they've been x rayed, they're a secure person, no different than a person with beforne. Oh, I see what you're saying. Well, I think they do that for crowd control. You're saying. You're saying, why do they checked because they want to make sure you have a boarding pass before you enter the secured area.

You're right, they do check. Yeah, and they don't have enough personnel to get the security lines down to a minimal because they are so out of control. So I'm just proposing for a safety concern because I don't like being stuck in these long, snaking lines with a thousand people vulnerable to an attack when they're not checking anybody's luggage until they go through X ray. Is that, yeah? But the thing is no one, no one has done it

though no one has has attacked anyone there. Yeah. Yeah, But I'm just saying that TSA is supposed to be there for our protection, and they're assuming that we're they're protecting is while we're on a plane, But what about protecting us from these massive crowds at the area. Now I know what you're saying, Mike, I know exactly what you're saying. Oh, you're saying before they get in there, but any crowded place is vulnerable for attack.

I don't think that's the proper I don't think that's the proper argument. I think you had the right argument in that why check a boarding pass? But they do have to check ID to get back there. But you're saying it doesn't even matter if they check ID. Yeah, because what if you know, if they usually able to go to the gate before nine to eleven, So now you can't go to the gate for some sort of a security reason.

I'm just saying that they're shorthanded on personnel and those people that are checking those IDs. I know what you're saying, passes could be used to open more more No, I know exactly, I know what you're saying. You're saying, Look, just let everyone be screened an x ray and then go where they want to go, because they're all ready screened and x ray And if they don't have ID and they don't have a boarding pass, they don't get on a plane right right, and they might just be there to visit,

you know, to greet someone coming off the plane. That's how it used to be. You're absolutely right. Now only ticketed passengers that have been id'd can even go through security. You're right. And I think they do that for crowd control. I'm telling you that's why they do it. They want because they wouldn't have enough TSA agents if everyone could just walk up and

be x ray and go through security. I think that's the reason. I think they wanted to cut down the number of people out at gates and they limited it to passengers only. I mean, I might be wrong, but I think that's the reason. Dorian, Welcome to the show What's going on? Dorian, Ah, I got off a stage shocked. Okay, well say start this scenario as just to paint the picture as quickly as I can to get is the information you need. I'm a seventy six year old female,

no family alive. I live by myself. As of June of twenty two, I purchased a condo, and as of December of twenty two, I have record of the first picture I took of a strange what appeared to be a water spot, a tiny little spot on my kitchen ceiling. Well, this is now the end of February twenty twenty four. Since then, not that spot. I just filled it with toothpaste and put some white acrylic pain on it. But I wanted it to be acknowledged by the HOA,

and hence this HOA has a management company representing me. That's exactly right. So what happened since then? Did it get worse? Since then? Literally? I have documented photos and correspondence where the water intrusion into my kitchen as far as two feet into my ceiling and above my kitchen door my entryway. Now is it dripping down onto your floor? In twenty twenty three I literally had every bathtow I owned just they were just my entryway rug is soaking wet.

The paint is Wait a minute, wait a minute, Wait a minute. You're telling me that you have water coming in from somewhere up in the ceiling coming down and getting into your floors. Well it's well the one night, the one photo I have literally you can see and hear the water dripping. Okay, Well are you okay? Where is it coming from? Do we know? I was told by one of the construction workers that was doing some construction work hired by the board and the crew and go through with the

management company and everything. They said there was no flashing on the unit above me because this is a three story complex and I have a there's a resident that lives about So is the h o A? I mean that construction worker. Was he there to try to try to fix this for you? Oh yeah, So they're not ignoring it, the hoa. They're not ignoring it. No, let's let's just put it this way, all right, every time, I am not a board member. All right, hold on a

second, we'll come right back. Just hold on, we'll come right back to you. 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 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. Tom Martino Your Troubleshooter three O three seven one three talks seven one three eight two five five. Dorian has a problem with her HOA and she's seventy six year olds. She says that she has water intrusion. Dorian, listen, if they're trying to fix it, they're trying to what

are you calling about now? They're not It is not fixed. Do they say it's fixed? Do they claim they got it? No? Okay, so they're still they're still trying or not? Are they still trying to fix it? They will not address me, neither the board nor the management company. I have even in twenty the winter of twenty twenty. Why Why are they not Why are they not paying attention to you? They don't like me? Why I have no idea? Because they think they can get away with

it, that's what well, But they don't want water coming in. No matter who they are, it's not personal. They don't care. They don't care. If you read the reviews or the BBB report on this work on this nationwide management company that could almost be closed the book story right there, and I every time I've even had this, What is the name of your complex, Sunny Veil Condominiums? And where is it Longmont? Okay, okay, I'll tell you what what we need to do is get someone to call

for you and try to figure out what they're doing, if anything. When you call them, do they just what do they what do they do? Do they do? They have a management company? Most generally will not even answer the phone. You can read the BBB reviews and everything else on this. Okay, what's the name of the management company? Centry Sentry. I have had my insurance agent come out and take pictures. I have called the city of Longmont, and in early twenty twenty three I had two employees.

I'm looking at the card right now, Senior Code Enforcement, Substandard Housing inspector. They've been out my engines. Okay, So what does the city? What do they say when you call them the city? The city says, if I were a renter, my back is covered as an owner, they can't won't do anything. Well, growing in my ceiling okay, and the

water intrudes some of the spots I'm not seeing okay. Ice Century management management companies are just going to have lower reviews anyway because they deal with people. But you know what I mean, they deal with people at a bad time. But you're right, this management company has a ton of oh my god, all over the country. They have bad us all over the country.

Wow. And I can't submit a claim to my insurance company. I could even have the damage repaired by my handyman, but that still doesn't help anything with the mitigation of the continuous You're right, it'll keep leaking. If they don't fix it, it'll keep leaking. Because we're in all right. We need to get somebody to call for you. Hey, Kachina, I don't know how you've doled things out today, but let's figure out who can make a call for her and just say, look, you know what are you

guys doing? They I mean, they have to do something. And if I might just interject, every time I ask the president of the HOA, who is the person that lives above me, he said, the management company is handling it. Every time I talk to management, well, the person above you isn't responsible either of it's coming from the roof. It's the HOA exactly. But he is president of the board. You mean the guy above you. Yes, oh my goodness. And every time I call the management

company and say what is being done about it? They say, well, the board has to make a decision. I have been on this spin a wheel now for over a year. All right, hold on, Kashina, who should we give this tough depuity doc? She stepped out. Hold on, Dorian, We're going to give this to somebody to make some calls for you. I really don't blame you for being upset. And this century management,

My god, do they have terrible, terrible ratings. Whoo three zho three seven one three talk three oh three seven one three eight two five five. By the way, for the first time, I don't know if you covered this on Brownie Dragon, but for the first time, Americans a vast majority of Americans favor building a wall on the border. Did you know that? No, I hadn't had that one yet. Yup, yup. I just read it. And this is among I mean, a vast majority of

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health. It's the most important thing you have. Grossman Wellness dot com. Hi, Tom Martino, your troubleshooter three oh three seven one three talks seven to one three eight two five five Back to Jordan to sew things up, My money, myway dot com three oh three seven seven nine sixty six hundred Jordan. Yeah, people want to know not just about fixed fixed indextinuities, but real quick, are you still doing become the banker on overfunding life insurance?

Absolutely. I mean we keep it very simple with those two products because, as you know, Tom, they are incredibly powerful. So with the life insurance you get that tax free money. That's kind of like what we talked about earlier with money that you are fearful of leaving the bank not getting the best interest, but you need liquidity, well, that becomes a banker

is a great opportunity to keep that money tax free. And obviously the pension account or annuity is more for the income in the future, that's right. And the also the annuity is for bigger lump sums of money. But overfunding life insurance can have many values, including paying estate taxes if you're super rich, correct, and also college funding for anybody that's looking you know, five

point nine plans or you know what, you're right. In fact, I think it's better than a five twenty nine in those kind and row Here's why that money can be borrowed and not paid back eventually. I mean what I'm saying is it's alone, it's not taxes income, correct, And you can use it for the child's life, so they have a tax free safe haven for the rest of their life versus just for their school. And that's it. But if it's a policy loan and you never pay it back, they

don't. It's not like a four oh one k where if you don't pay back in a certain amount of time they declare it income. Well, you correct. Yes, yes, it depends on the timeframes, but for us, we design them so that you're absolutely right, they stay tax free. And that's why it's important to come to people say this no matter what. So if you borrow money on a monthly basis or a quarterly basis and don't pay it back, they never say, oh, by the way, you

didn't pay that back, we're calling it income. They keep it tax free, and then the proceeds from the life insurance benefit pays it off. Right, that's right, Yeah, it is correct, yep. And that's the idea of you know that people would use for retirement as well with to become the banker relationship. So it stays tax free. That's correct, you got it, Tom. Then when you die, it pays off the loan, and whatever you have left goes to your heirs, correct, tax free,

to the errors to keep that legacy going. But unlike an annuity, it's not a guaranteed income for life. Right, it only goes as long as your account goes, right, you're right. You could use all the money up and that is just like a foe and K or an ira for example, unlike that annuity that we have. But but but in either case, though, the annuity grows tax free, right, tax deferred. The annuity well, yeah, but it grows right tax deferred, right, so you

pay it pays when you start taking income. Correct. And if it is a roth, you know, because you know, people do have four and K roths, which we encourage all the client take advantage of. That's where this would stay tax free and the annuity. But you're right, most of them if it's four and k's wait a minute, so if you take wroth money and put it into an annuity, you never pay tax on it, never pay taxes. It stays a roth status the whole time. Wow.

Find out more. Three oh three seven seven nine sixty six hundred. That's three o three seven seven nine sixty six hundred. I'm Tom Martino and you can reach me at any time at three oh three Martino and we'll call you back. I promise three oh three six two seven eight four sixty six for help, information and referrals or save all your problems for me