The Troubleshooter 4-4-24

Yeah, ripped up. You need advice, so you don't have come running. Just as fast as we can. Shoot is gonna help? Come man Dix is the Troubleshooter Show. No, Tom Martine, Hello Tom Martine here, welcome three all three seven one three talk seven one three eight two five five. By the way, uh, you'll stand in my wide shot here. I just turned. Oh well, no, I'm not up yet.

We're streaming, but we are online and we're streaming our audio. And George is with me from fixed at twenty four to seven, A longtime friend. I think I knew him since he was four. Anyway, I joke about that. I don't even know how old you are anymore. You know that, George. But I know when I met you you were you were back then even an electrician. Were you a master electrician back then? Were you back in when you were really you were in your twenties right? Yeah?

When I first met you, I wasn't a master yet, but I became a master as young as you can at twenty three. Yeah, yo, yeah, And then when I met you, and then you took that company to New Heights with your in laws, and then you also went with the the the private equity company that took it over, and then you learned the business from them, and you went into moved to California. You came back

years ago here and just built a great company with fixes. So anyway, I want to talk to you about a couple of things today, not just getting getting before the rush. God, you know what I warned people like the other night, I warned people about moving companies because we're getting into the moving season. People will be ripped off every year we hear from them. I just put up a video on LinkedIn, Instagram and YouTube just warning people.

And now I'm gonna warn people about AC. They're gonna wait right up until it gets ninety and then they're gonna call you and you're gonna be so slammed. And I tell people, do it now? Do Why do people wait? Well as human nature, but don't wait. You would save money. You don't have pressure if there is something wrong and if if you get

it cleaned and check now. The thirty nine dollars special for new customers is unbelievable because what that is is almost an assured increase in efficiency and extending the life of your AC. Now you do it for your furnace, do it for your ac. You should do it now again, but don't wait. But they're not going to be able to go out for thirty nine bucks when they're slammed. So fix myhome dot Com seven two zero five two six thirty nine thirty nine? Did I leave anything out quickly? And then I'll go

to the phones. When you say assured, we literally guarantee your system won't break down this season. Yeah, and you should do your AC and furnace right now after winter because you use your furnace for your aces. Sure you can do both. It's the best time of the year action. So would that be thirty nine bucks each? Then yep? Okay, And you don't understand what a deal this is. They spent two and a half hours at

my house and it wasn't because it was my house. Honest to god, they did that and people call me and say, God, it's amazing anyway, So let's fix myhome dot Com. I want to mention something else, like the moving companies the scam. Just check out that video please on our YouTube channel. Troubleshooter Network is really worth it. And I'm going to go right to the phones now. The truck off your stuff and say, uh, you always more money. It's more than that. First the deposit that

goes nowhere. Then the other guy comes to pick it up. He charged you more. Then they hold a hostage to deliver it, and they charge you more. So you pay three times. And honest to God, we hear it every single time. Now let's talk about let's talk to John. John has a problem. And I got to find your original call. John. What are you calling about? Yeah, John, what's happening? Yeah? I was. It was a follow up from that call I think I

made two weeks ago regarding the uh, the dog that had died. Oh yeah, who handled that for Did we have somebody handle that for you? No? I basically talked to you and Mark on the phone, and then the doctor came on and he kind of reiterated basically at the barri en versus the you know, using the X ray. So, oh, I think Mark must have handled that call because I don't recall it, but maybe I

did. But anyway, what happened you did? Well, it was the thing where my dog had an obstruction and it was diagnosed on this Oh, deputy, when you said the doc came out, not the vet but the deputy Doc mentioned that, yeah, when you okay, and there was an obstruction in the in the intestines, they did not pick up on right, and then I drove him back down the next day at half looked at it again and and he was dead when you got to the car to pick him

up right. Yes, exactly. That was terrible. So you had recommended, like you asked all the people that you talked to, what do you want? And I said, well, I wanted to have some information passed out there that before you don't get in that position. Check out your vet. See if he's capable of treating that particular illness. I guess you might

say or ailment. But wasn't this almost like an emergency? Oh well yeah, well, I mean that morning, that Tuesday morning, he was throwing up and they they gave him an X ray and they didn't use barium, which would stop at the bariam would have showed an obstruction, but they may

not have suspected it. The other thing. I so, yeah, And Doc mentioned that what you wanted to know is that malpractice is not and what I said was this, no matter what, what you have to prove, even with a dog, malpractice is that it was beyond that, it was beneath the standard of care. But even if you prove that again, I'm going to ask the question. I always ask what are the damages? Now, this is a full terrier. I remember three years old, right right?

Was this dog? Did this dog have stud potential? Oh? Yeah, yeah, he was a grand champion he was. Is that a Spuds Mackenzie dog Bull terriers? Exactly? Exactly? And in fact, I'll bet you when you're in public, because we did it the other day. You see the dog and the first thing people say is ah, Spuds Mackenzie. Yeah, Target, black sheep Squadron. Oh that's right, Target. I forgot about Target. Yeah, they had the white I had. This guy

was a Brenda long White and just the sweetest. I talk to Challenge. She was very sweet. The thing is that I talked to my co owner and she said, John, take your lumps. Basically asked the doctor for the repayment. I think that's what you suggested to was just if you can get your money back on the treatment and on the cremation. So I sent a letter and I said, if you refund my my fees that I paid

for that season. And Wednesday I said, I will consider the matter ended at this point, and she wrote me a nice letter back and he said, you can have your Yeah, we'll refund your your treatment. So the reason I called, I said, with six hundred eighty one dollars, and I said, you can add that to your tally because you know you're the one that reinforced that idea. That. Hey, John, that's very nice of him to do that. I mean, because I don't know. I

still the jury still out as to whether that was misdiagnosis or not. I mean it was a misdiagnosis. I'm sorry, whether it was reckless or not. No. Yeah, I talked to my main that he was out and he was doing a judging it in Australia, and we talked about this whole system, this whole this whole thing that happened. And he also said, yeah, they should have done this, and he said there were better options out there, so he should have taked to an emergency. That they should

have not treated him and mistreated him. So okay, well, you know what, it's easy to look back and say that I don't know enough to say it, but I'm really happy this happened for you. Thank you for calling three or three seven to one to three talk. Now, you don't hold the record for spending on vet bills. George does for everybody. Because George has bulldogs and I don't know if you guys remember I had him on

his puppies and now he has three. He had two and little babies and they grew up, and then he got another one and now he's got three. Aren't they riddled with health problems as a breed? Yeah? Generally speaking, yeah, they are, aren't they? I mean as a breed, we've had five and we've only had one that had health issues. But oh ours actually was a misdiagnosis that ended up leading to his death. So no, no on a misdiagnosis. I mean, are there vets that specialize in

certain dogs? I mean that are there dogs? Are there people known for bulldogs? Are there people I wonder I wouldn't say bulldogs specifically. I mean there's probably people that are better with them than others. This particular vet in California though I didn't we didn't do our diligence, but if you look at reviews, I mean, yeah, this guy's very intentional about what he does. It's not I mean it's reckless. Wow, definitely reckless. Yeah,

it's it's it's a really So did you ever go after him? No? I didn't. I mean, trust me, my family wants me to just the emotion. How long ago was that that he actually died just over a year ago? Here a year and a half ago, and it was from what you feel a misdiagnosed. We actually have one hundred percent that. Wow. Anyway, people have real problems with their animals, and the problem, the real problem we always find is the limitation of damages. Now, there

was an exception to that that we found. I usually used to tell people you don't get anything but the cost of the dog. Now, obviously the cost of the dog could be, you know, expensive, if it's a bulldog or some kind of standard poodle or a really a good breed, that's expensive, right, It could be a few grand, but you're never going

to get what you think you should get. However, there there was a case where a woman had a mongrel basically I call him Heinz fifty seven, just a dog, nothing special under but it was a little dog like a Yorki or someone else. It was underneath her table when she came home, it was dead. The housekeepers let it out by mistake and it got hit by a car. It came struggling home and they placed it underneath the dining

room table and it died there. Now we were shocked by this case, but the owner got pain and suffering against the cleaning company, not just the cost of that dog. It was an older dog, because of the suffering that went on and what this person had to go through, because they could have easily called the vet. Now it may not have saved the life, but for that dog to go under that table and suffer, and for the

owner to contemplate that it was truly egregious. Angie has an issue where a refrigerator will go to right after the break and then Deputy Chopper wants to weigh in on a couple problems he's been handling. Whatever's on your mind. If you have any questions, you can text this as well on HVAC three oh three seven one three TOM three oh three seven one three eight two five five.

By the way, waterpros dot net, you know how I feel about water at the kitchen sing fourteen hundred bucks fully installed triple filter reverse osmosis three oh 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. Wait 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 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 Zerol sixteen twenty two. Hi Tom Martino, your troubleshooter three oh three seven one three Talk three oh three seven one three eight two five five one. Clear Choice Garage Doors for all your garage door needs to remember that all of their prices are

on the website for everything they do. That's how proud they are, That's how wonderful they are. Twenty four to seven. Service for Emergencies one clear Choice dot Com. Joe Caiano's with us. He's a certified financial planner. In fact, he trains financial planners. They have actually a school where they train people how to do things. And he also of course, is putting on a movie for us coming up in a few nights. It's on the

ninth, and it'll be about the retirement dilemma. And what I want to talk about is, uh, Joe is not a big fan of the stock market. I should mention this for retirement because people always text me saying, how dare he? The S and P is doing great and over a forty year period it's outpaced inflation. Blah blah blah. Now listen, it's true that over the long term things can work out. But for us, the long term isn't the last one hundred years of the stock market or forty or

fifty for us. Most of us have, most of us when it comes to retirement. That is because very seldom the people start at earth. But what they have is a horizon of maybe thirty years to forty forty on the outside, but thirty and what we're saying, and most people, Joe, you probably figured what they've only been planning for twenty Maybe here's the point.

Here's the point. It's not that the stock market won't perform. It will, But you see, if you don't catch the window, if you picture the stock market up and down, and up and down and up and down, way way way down, way way way up, way way way down. You know when you picture all kinds of peaks and troughs, recessions, recoveries when you can, if you don't capture the right window, you would be on the downside and can't make it up before retirement. Now some people

can, some people can't. So he likes taking the mystery out of it with these fixed annuities which just don't tie themselves to the stock market, and they basically guarantee income and guarantee certain results. But what this movie's gonna do, Joe, if you had to sum up the movie without getting into a lot of detail, because I want them to call to find out about it on the ninth What is it about? Does it show real case histories? Oh? Absolutely, Tom, You know that is the main theme of the

movie. It's a real family that you was ready for retirement and they chose to basically give up their pension, which is a guaranteed income for life, and put the money into a four oh one k. So when they got ready to retire, the market was down and they could not retire. That is the theme of the movie. And you have government officials talken about this. It's a dilemma and the fact that the title of the movie is the

baby boomer dilemma. We're all facing fear at this point as to whether or not we're going to have enough money to retire, or whether the money that we have saved for retirement is going to be there when we do retire or last as long as we will. That is a fear that most people have. So I if I had to summarize the movie Tom Who, would be two words guarantees, guarantees and security, And that's what people want to they

I agree with you. The stock market has done well in the past, but it doesn't mean that it is going to continue to do us well in the future. Nobody has a crystal ball these ways. Well, even if it does, as I said there, it's never ever gone up and never down. So it's this window you have to catch, and that's a gamble. That's like catching the roulette wheel. I'm not saying it won't work. I'm saying that unless you have the horizon to absorb the losses and recover,

you need something well. And there's nothing wrong with some private funds being in the stock market. And then you make that part of your portfolio, but certainly not for retirement. And anyway, anyway, we'll talk more about that. But I want to go to the phones because Bennett has some questions here real quick, Bennett, go ahead, Bennett, Yeah, Tom, I'll say, yeah, two questions, Go ahead, sir. I took my dog into the vet because he was kind of choking. We thought maybe he

had something stuck in him. They did an X ray and they spent maybe a total of fifteen minutes with him, and our bill was nine hundred bucks. You know, this is the old dilemma. In fact, I'll venture to say this is a dilemma that people have all the time. I'll bet you that companies, home services companies like fix At twenty four to seven has this dilemma, and that is this, no matter what they do and what benefit a homeowners gets, they compare the price to the time spent. Isn't

that true, George? Don't you find that true? One hundred percent time is value. Yeah, but it is true though. Also, and I'm not saying you do this because I mean I've not seen you rush through anything, but you guys, did my furnace. You didn't take a long time, and it is perfect and it's a new furnace. Right. So the point is it's not always fair. Time is not always an indicator of value, not always. Now, with cleaning the furnace, it is. No

one can clean the furnace in fifteen minutes, no one. I don't care what you do, right, all right? So when is time value? When is it not? It's when it depends on what's accomplished, right, your perceptions, your reality. So if a guy was there x amount of time and even if you're not sure exactly what he did, and charges you eight hundred dollars, even if he's there, quick replace the part, fixed

your system whatever, one thousand dollars. You know, you come home and you don't feel there, and you find out he was only there, right, you know, thirty minutes and one thousand dollars, even though you might not know you weren't there. But that's all you know that the part might have cost the company five hundred bucks. I know. So here's what I want to know, Bennett. What did they do for that time? They did? They drew blood and they also took an X ray. Okay,

X rays and blood, but the entire time spent was how long? Fifteen? Tom, I would say maybe an hour and a half at tops. Oh I thought you I thought you said a few minutes in the beginning. No, no, no, like you said, they had the dog for like fifteen minutes of that hour and a half and we were holding him until

they came home with the results. Oh okay, but what was the hour and a half that the diagnostics and everything right, just waiting, that's correct, Tom, okay, okay, But the actual dog was in their possession for fifteen minutes for the blood and the X rays approximately, that's right. And then they gave you a consultation. And what did you find out from the blood and the x ray? Well, they said the dog is healthy and they're not sure why he was choking, but he may have had something

in his stomach and he regurgitated it on the way to the hospital. And what else? Anything else? No, that was it, tom? Okay. And the bill was a total of nine Yeah, it sounds steep to me. But x rays. You know, first you got the doctor, you got the x rays, you got the blood work. I mean, I know for people, blood work shouldn't be more than three hundred bucks. I mean, so for a normal blood work. Uh. And so let's say three hundred, and then X rays three or four hundred. So now

we're up to let's say seven hundred. Now you're at seven hundred, and you know they're a couple hundred for the doctor. I mean, I don't know for the visit. I again, Bennett, it's something that really people always think about afterwards. But were you asking if you have any recourse? Because my answer would be no, no, no, Tom, I'm not. I just want to know if I got taken advantage of well, who knows? Who knows? Bennett? That I really don't. Honest to God,

I don't know. Just like when people call me about HVAC companies or plumbers or electricians or auto mechanics, we don't know, based only on time. Again, it depends on I don't know. So anyway, what is your trust fund issue? The only question I have on that, Tom, I've got a trust that send my son and daughter in law's name. Now is it your trust? My trust? Uh? Huh? And you put money or homes or property in it for your kids? That is correct?

Is it revocable or non revocable? Non revocable? Okay, so what's your question. My question is when I pass away, would he assume the same house payment I have now or not? Okay, the trust is a person. When you transferred the house to the trust and the mortgage they accepted it, your payments are due from the trust to the mortgage company when you die, and the trustees shall take it over. There's a due on death clause

or due on sale clause in most mortgages. However, most of the time, if a trust inherits the house along with the loan, they will let it go. But they don't have to, just so you know. It depends on how your mortgage is written. Sometimes they can exercise a due on sale, and in fact, to get an absolute answer, you can listen. You don't have to hang. I'm going to ask one of our attorneys, either Kielan Park they're a state planning attorneys, or we'll talk to Dan

McKenzie. So hold on, but on that. Normally the house is in the trust name and the bank will let it ride, but not probably for the entire duration of the loan, because I don't know how your trust is written, but usually the trust is written just to get past death. Then the trustee takes the home out of the trust and gives it to the intended

heir. Is that what's going to happen? I believe so well, you should know, since it's your trust been and you should find out because the only time you leave stuff in a trust for after you die for the rest of your heirs lives. The only reason you do that is you don't trust your heirs, or they are special needs and or you don't trust them they're gambling or drug addiction, or they're just stupid. So what you do is the trust has terms and conditions they have to live by over the next twenty

or thirty years. That's but almost never does that apply to a house. That usually just applies to cash and stocks and investments. So again, a lot has to do with the terms of the trust and the terms of your mortgage. But I can ask our attorney what generally goes on? Hang on three oh three, seven to one to three talks seven one, three, eight, two five five. Got a lot going on here. One of the things I want to tell you about is part of that is to get

a market analysis. If you're home, if you are thinking about selling it, and you get that free of charge. Now it's not an appraisal. It's actually more important in my opinion, it's what your house will sell for. Frank puts us thirty years of knowledge to work to consider all the factors. Frank durand the real estate man dot com to give you figure, no obligation ever to list three oh three nine to zero sixteen twenty two. 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 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 Here, by the way, in the last Tesla update, they did a self driving a trial for everyone. What do they call it market it's but it's usually an add on. But during the update, like my son called me and said, Dad, I updated my car last night. Now I have full self driving mode. Did you buy

that for me? I said, hell no, and I'm not going to And I said, you better make sure you didn't click it and buy it because it's like a fifteen thousand here's the deal man, in all honesty, if you buy it with the car. I don't know how much it is on the Model three, but the one I have it was it was like fifteen grand. But you can spend. And this is a good question. Would you pay a one hundred and ninety nine bucks a month for that service?

I'm probably gonna do it. I'm going to go through my thirty days. But it's incredible. Man. Now, Vonnie says, it stops at traffic lights, makes turns, uses turn signals, passes cars. It navigates to wherever you're going to wherever you're going. Now, if you put in it something, it doesn't do mark like I said, stop signs. Does it stop at a stop sign? My god, yes, it doesn't.

Even it doesn't mess around either. You know what's funny. When you're coming out, Let's say you're coming out onto like Parker Road from a side street, a busy road with lights and stuff. It actually comes to a full stop at a stop sign, and then it's almost like a human looking both ways. It creeps up a little and then creeps up a little more, and it's reading cars from what seems to be one hundred yards in every direction, and then makes the turn. It's it's okay, it's great. What

about this. I'm wondering a four way stop up because I'm gonna tell you, it knows, it knows, it knows who went last, and it's turn in line. I don't think it. I know it does, but that's not the problem. Most other people don't know. And that's what pisses me off about four way stops. I can't tell you how many freaking times I go to a stop tressel as soon and that won't happen. Oh my

god. I go up to a stop sign and it's pretty clear I was there first, pretty damn clear, and they just flash and beep and think I have a nicer car. I don't know what the hell they're thinking, but they go right through. It's probably in the other So the self driving, though real quick in a in a situation like that, or even pulling out onto a busy road, it's a little too safe that I don't want to Yeah, I know, I know, especially like you said, stopping

to a full stop. Some people get pissed off when you do that. Yeah, but you won't get a ticket. I mean really, I know that. I know I'm saying. But those four way stops people, by the way, what happens. This is something no one knows and I know, but they don't know. When you come up exactly at the same time or so close, you can't tell who goes first. Do you know who

goes first? No matter where you are, who goes first? If you come up at the same time, well, you should always go after the person on the left, right or on the person to the right has priority. Yeah. So if you pull up and someone opposite you come in the opposite direction pulls up, who's on the right side, that's the one, and it technically goes it goes counterclockwise almost time I forget there at the same time. I mean, that's a little crazy. And by the way,

it wouldn't matter if you're not turning. But it's weird. It's so weird when when you come to four way stops. That's why I like those uh what do they call them? The round things? This is truly though it's a game change roundabouts. I've never seen anything like it. You know, people are sorry for the way in, Gee, what's going on with your refrigerator? Let me guess it's a Samsung. It's not a sam Sung at the Ken actually yeah, Ken Moore, Yeah, that's a dinosaur. How

old is it? Well, it's only when it cropped out. It was sixteen months old. Oh my god, eighteen months old. Well on New Year's weekends? Okay, so what happened? So it just stopped keeping food cold on New Year's obviously it was a you know, a holiday weekend. So the day after New Year's, on the second, I submitted a claim because we purchased it in September of twenty two. I also it was under how many of year warranty is it? It was still under I purchased an

extended warranty for it. So it stopped working. It stopped working in twenty three, but you had an extended warranty. Yeah, it stopped working twenty four. Oh in twenty four. Oh yeah, you just said that, that's right, just a few months ago. So what happened then? So I untacted the warranty company, who then opened up a claim. Evidently Ken Moore has been bought out a couple of different times by different because Sears is the you know, you know, yeah, they were I've learned a lot

about refrigerators. So between the warranty company and the company that was contracted to come and do the actual repairs, evidently it's really hard to get parts for this refrigerator. Yeah. So the problem is the communication piece though, between all of the parts. So there's me, there's the warranty company, there's the right, there's the owners, the owners and they and the suppliers. I want to know something though, other than this problem you had, is

it? Did you like the refrigerator? It's pretty nice if it would work properly? Is it laid out nice? Inside? It is? Okay? So where does it stand today? Did they ever fix it? No? So where it stands today is on last Friday? And how long has it been came out? How long has it been down? Total? Oh? Since since New Year's I have not had a working refrigerator at all. It was okay, so when you said this year, okay, so it was New Year's since. So here's what I want to know. What the hell

is going on with food? What are you doing about it? Well, this is the problem. So we have a cooler outside which was working a little bit better in the winter months. Now that it's getting warmer, it's really twicky. It's hard to keep the food cold. It's hard to So why aren't they fixing it? Are they still claiming they have a problem with parts? Well they so they came out last Friday for the gagilion's time and said they don't know. They did replace the part that was hard to find

and hard to get it. That's why you know it's been So is it fixed now? Is it fixed? No? Nope, it's why fix why? And they said that it's not They don't know why. But now it's to the point where they should be getting me some kind of reimbursement, but no one is communicating with me. So I can't get anybody on the phone from the warranty company. The repair company is what does the warranty say? What does the warranty say? Has that if it's not repairable then a replacement

will be given. Either replacement or the cost of the refrigerator will be provided. It's time to sue them. Yeah, that's right, Yeah, you'll get a new one. Yeah, I'll get a new one, but then it's probably going to cost me more money. And no, no, we're talking about small claims court. How much did that cost you the refrigerator? Yeah, we spent like twelve hundred dollars. You know what, that's a

small claim. Now it might be. I mean, I'm not saying we're not just gonna say go do that, but I would start the process, find the registered agent blah blah blah, and not the warranty company. I would sue the uh maker. But here's what I want to do, Okay, I want 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 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. Hi Tom Mars, you know here? Three oh three seven one three talks seven one three eight two five five.

And she has a problem with a refrigerator. Let's give it to uh Deputy Dollar and let's figure out what we can do. We'll call over there and basically pressure him to do the replacement. So go to uh is did Mark hang up? Mark hung up? Okay, if he didn't, we'll take him next, Deputy Chopper. I'm sorry Ed didn't get to you. I will get to you right after the break here three O three seven one three talks seven one three eight two five five. We also have my Moneymway dot

com in the house. We have a couple of questions for him and for fix at twenty four to seven, So stay tuned. I'm a 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. 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 seven to one.

He 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, ripped up new need. That's so you don't have you come running just as fast as we can. Shooter's gonna help come. This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino here three all three seven one three talk seven one three eight two five five.

Welcome to the show. Denver Region dot com. Somebody asked what I meant by the sugar diabetes, and here's what I mean, Regen. They have the same drug, the compounded form of semiglue tide that use for diabetes, but they use it for weight loss just like everyone's doing. Are a lot of people are doing. And they offer it for two to fifty a month. Here's what I want to tell you that too fifty a month being

offered is can also be used for diabetes. So you can save money if you're a diabetic even and you're paying for that or cope or whatever, because the cope on twelve or fifteen hundred could be a lot of money. Denverregen dot com for weight loss or diabetes. Now I want to talk to Mark. He has a question on Tesla's Mark, welcome to the show. What's going on? Actually I have two questions not related at all of it. I wanted to ask about them. Tesla's how do they react to cones like

traffic cones? We did it yesterday, man. In fact, I did a video I'm gonna post yesterday. So in castle Rock right now, if you head from Castle Rock to Franktown, the amount of the amount of cones is crazy. And the reason is they bill to McDonald's error at whatever that intersection found yes spotters in eighty six. Man, there's no road lines. It's all cones. It's like Vietnam. Man, it's crazy. It's crazy. It's like Thunderdomb. The car just went right through it. It sees

all the cones, it sees the workers, it sees other cars. It's incredible. It doesn't automatically slow you down. Oh it'll slow you down. Hell yeah, it'll slow you down if it sees a deer. People that don't have a Tesla and or don't live out in the country. When we're going into our house, deer everywhere. It shows you deer, it shows

you humans. It knows what it is. It knows if it's an animal or a person, or a truck or a semi It knows everything, what kind of cone it is, what kind of sign it is, like a yield or a merge or a stop sign. It's smarter than most people, to be quite honest. The reason I was asking is, I'm going to put a cone on the back of my trailer I'm a truck or and try to keep them from passing me because I wanted to hit the brake. So what they always do is run around me and then get in front of me

and slow down. Yeah, that's jerky move. I get it. Man. Here's a good news, though, Bro, here's the good news. If someone like that's on autopilot, that car won't do it. Man, that car will respect the road. Like I said, more than most humans. Mark, that's amazing. Did you say you had another issue or was that it? I just wanted to know what what would you guys do with this billion dollar lottery? How would you take it cash or payoff? I would well, if you take it in cash, of course, no matter

how you take it, you're gonna pay taxes. Cash is way better. Everybody is analyzis just with normal, decent, average investing, you'll make more off of roughly that fifty percent of that cash value. That's the right. If you take fifty percent. Now, if it is fifty it'll be a little work. But wait, wait, don't go away, my friend. Why do you ask? I mean a little less than fifty percent on taxes? Mark? I wonder if he won the line. I mean, there

wasn't. But anyway you could you could conservatively invest that and never well you wouldn't even most people could just draw it down. I mean, I'm not even suggesting you do that, but you could and the but but you could easily have such an easy time making money on that when you have that amount of money. Okay, So speaking of money, Joe, somebody wants to know if they roll over alumsum from a qualified plan to an annuity, is

there a taxable event. No. If it's coming from a qualified account into an annuity, the annuity has to become a qualified annuity. So that qualifies for a tax free rollover. It's called a ten thirty five tax free rollover. Once they do that. Once it's rolled over and they do that, of course it grows tax free. But they all grow tax free, whether they're qualified or not. But when they start taking the income out. It's always taxable, whether qualified or not. It is. It is a list

of qualified account what's the wrath? It's right if I understand that, that's another good point. What it means another good Normally it will be a percentage of the growth of the annuity that would be taxable as an income stream. Okay, thank you very much, and that's my money, myway dot com. The movie is coming up on the ninth. There. There is limited seating. You have to get your reservation and will what's going on with you? Will? So I've been using Rock Heating and Air for about five years.

Been happy with their service. We have to maintain our all of our HVA system of our home. They come twice a year. They look for things that might be broken. So you're part of their Like you're part of these consumer clubs that a lot of these companies do. Right. Yeah, it's like fifteen bucks a month. Yeah, yeah, I'm part of the seven plan. So and they come, they come several times for each system, they come once for each system. But anyway, tell me what's going

on with Rock. So about a month ago, I was getting ready to go out of town on one evening, our sink backed up and sink and I took apart the pea trap, couldn't get it unclogged. My dream snake was in my shop about forty five minutes away. I'm getting on an airplane at five am. I said, wife, just call Rock Heating and Air. They'll come tomorrow morning. So do they do plumbing too? Then they do, Okay, go ahead. What happened? So they show up.

They call me, Yeah, it's clogged. We're going to snak the drain. I said, fine, go ahead and snake it. My wife calls me an hour later, says, yeah, everything's working. They put the pea trap back together, sink straining, and they charged me six hundred dollars for that. Okay, and you now how clogged was it? How clogged was it? I mean it definitely wasn't draining. And I know that they manage it. You know your standard, because there are some companies that offer

specials like Plumbline, for example, will say ninety three or free. They always say that meaning if they can't clear it, it's free, and then they give you a diagnosis. And most likely, if they can't clear it, it's something more expensive and they give you a bit on getting it fixed, George, how do you guys handle it that fixed at twenty four to seven? Because now you have your own drain division as well? Right hold there you go, Yeah we do. So what do you do with a

clogged drain? I mean do you do you buy a service charge and an estimate? Or how do you do it? Yeah? Same way? I mean I don't know what was wrong there? I mean, did they tell you what the issue was? Was it just a standard clear? I mean that should have been six hundred bucks? Now what was it? It was? It was twenty two feet they estimated from the sink where they could access, so they ran a snake twenty two feet in unclogged, you know, pull the snake back up. How long? How long were they at the

house? I'm curious, Well, Tom, that doesn't matter. Remember, it doesn't matter how long. No, I'm asking though, out of curiosity. How long were they there? I want to save forty five minutes? And what? And another thing? When they did they do a camera as well? No? No camera? Well, you know I'm telling you the truth here. Plumbline would have done that for ninety three bucks. So I mean, you you make up your mind. I don't know, but but

I'm not saying ninety three you have. Here's what And let me just be honest about all this marketing. Why would plumbline want to do that? Because if your drain doesn't get clear, they say to you, by the way, it's free because we couldn't clear it. But that means you have a serious problem. So what are they hoping for? Obviously they are hoping to get drain replacements. I mean, you know there's no secret there. They're not making money on that clearing for ninety three bucks. So George, I

don't know how you guys handled. Do you have any specials for clearing drains or camera work or anything. Yeah, I mean we do the same thing. We do it for eighty nine. Now with that said, I don't know the issues of it. You know, the same with plubline. If they if you can't clear it, it's not right there for ninety three or

eighty nine, then you give them a choice, which I assume. Yeah, I'm gonna assume Rock said hey, like it's going to be six hundred dollars to clear it before they actually charged you six hundred bucks, or they do that afterward? Did they give you an estimate on that before they did it. I see, I don't know, because I'm assuming they did. I'm assuming they said, look, this is how much it's going to be. It just seemed excessive, and we spent it. Well, okay in

my opinion based on the market, because there is no excess. Well there is, there is excessive. But what I'm saying is for that drain, it could be anywhere from like the specials for eighty nine all the way up to seven or eight hundred, nine hundred dollars like your thousand. I mean, it depends. Really, they really can charge what they want. I mean, it just tells you that you have to do your shopping. If we were part of Georgia's program and he came out and cleared a drain like

that, now let me ask him about that. The Green Bubble Club. You don't automatically camera drains every year, right, that's not part of the regular service, right. No, But if they remember, we would have cameraed that. But here's the thing. If it was twenty two feet away, you can't clear it yourself. It takes expensive equipment to clear it. It does for any company. If you have an idea what it would cost if you went out and did that, it would probably be four to five

hundred, so it probably wouldn't be six hundred. But you know, it's not that far off. And twenty two feet off. I mean, okay, I always wanted to know that if they were just way over? Would anybody else know? You know, listen, And here's another thing. And I do feel for George and for Bob Logan over at Plumbline and George, here it fix it, and for all these good companies. And I'll tell you why nothing is cheap anymore. For God's sakes, nothing is cheap what

they have to pay just to keep labor and trucks on the road. You know that, man? I mean, But the point is this, whenever there's a special you take advantage of it. But like I said, this particular case, did you get ripped off? No? Did you get an extra good bargain? No? I mean you might want to investigate other kinds of loyalty clubs and stuff. Do you, for example, do they come out and do anything with your water heater, or with your electrical panel or

with like do you get full service on each system? Now, they primarily focus on the furnace and the air conditioner. And to be fair, I own my own service company, but we do aquariums and I'm a pretty talented plumber, so I don't have them do You're right, but but it doesn't matter if you're paying every month, if you're paying every month to be part of a loyalty club, you should get the most you can get. Now, George, what were you gonna say? Well, I was gonna ask

on the furnace and air conditioner? Do do you do you see them? Do they actually take it apart the blower motor out, actually clean it like it looks basically like once a year? Once a year, do they come and clean it? Oh? Yeah, they they spend a solid hour to try to find stuff to fix, right, that's yeah, that's what everybody. No, No, I'm not talking about that. That's what everybody does. Do they service it once a year? Yes? Well, most people

want to find stuff to fix, not actually clean it. Now, what about and cleaning is important? By when we say cleaning, we're not just talking about a vacuum in the box. Okay, do they flush your water heater? No? Because I do that. So why are you parked? May I ask? Why you're bothering to be part of a loyalty club because you're not getting anything? Yeah, because I don't know anything about EACHDAC and

I don't know. Yeah, but you can get Okay, then then it's cheaper for you to have a one time service, come out once a year, then pay every single month. I don't even get it. I don't get it. It's only fifteen bucks a month though, Okay, do the math, do the math, and and so so. Tell me what you're getting for fifteen bucks a month? What are you getting? Well, what are you actually getting for one hundred and eighty bucks? What are you getting? If we came out once a year and you weren't a member, we

would charge you one thirty nine to do what we do. Our normal price is actually, if you're not a first time client like i'd be, if we'd do it for thirty nine the first time. But then even if you weren't a member, we would do it for one thirty nine a year, but we would actually clean it and guarantee your system wind break down this monell. What I'm saying is the summer. What I'm saying is is all they're doing is cleaning and checking your furnace once a year, and I doubt they're

cleaning it. But if they do, you can get that for one hundred and thirty nine dollars. So much so you're paying a little more one hundred and eighty one hundred and eighty something. But what are you getting in addition to that? I just don't see the math. But it's okay. I mean, you called and we answered your question. Three o three seven to one three talks seven one three eight two five five more 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. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hey, I'm Tom Martino. You're troubleshooter.

Three oh three seven one three Talks seven one three eight two five to five. I got my moneymway dot com in the house Joe Piano. He's promoting the movie event on the ninth, which will be the baby Boomer Dilemma. It's a docudrama and by the way, it's all true and it's not a sales job. It'll teach you a lot about retirement. Find out more of

my Money myway dot com. JR has a question for him now. In addition to fixed index annuities that guarantee income for life and guarantee certain returns during your life and all of that never to lose a dime, he also does this something called become the banker, where you overfund life insurance that takes minimal investment and can grow quickly tax free. It also can be used in retirement. If you borrow money from it, the life insurance proceeds pay it back,

so in essence, it's tax free income. And JR has a question about that. JR. Okay, So I have altered to colitis which could lead the cancer. So I can't get life insurance because I'm a possible for cancer person. How would how would you work with that? Were you turned down for life insurance before JR? I have been turned down plenty of time. My wife also had an issue with cancer at one time, and she gets turned down. So Joe, what do you do if people want to

do become the banker overfunding life insurance and they can't get life insurance? Well you Tom, you know in JR. I really feel for you, you know I have. I really have had a lot of clients that had cancer basically but there were cancer free for at least seven years and that and the life insurance company can actually uh ensure them. Well he's never had cancer, Jr. So you've never had never had cancer, right, But it's alcor

of colitis which could lead the cancer. Right. Well, you know the only way that actually we can find out is by you making an application to the life insurance company. Let them underwrite you, look at your medical history, and they can offer you the policy, or they may decline you. Joe, You never know. Do they ever cut people off not just because of health but age? Could someone ninety years old get a life insurance policy or forget about it? No, Okay, that may be too old eighty

found Jr. I mean, Joe, I have a question. Do they ever require physical they do most of the time they do require medical examinations, the company will pay for that. And is it from the waist up or is it just a cursory one or is it in depth? Is it's actually they ask a lot of medical questions about their their health and also their medicine that they may be taking. They'll they'll weigh them, they take the blood pressure, and they do your analysis and a blood warm. But you also

agree to give the medical records. Right, well, yeah, you signed off hip hop for him, all right, jay R. Thank you. By the way, just a quick comment here. I once made the mistake of applying for disability insurance. I don't know why I did. It was many many years ago. In my opinion, disability insurance is a rip off. But I don't want to get into that. You mean something like aflack. No, it was full. It was disability. If you couldn't do your job, If you couldn't do your job, you got so much a

month tax free period. It was. It's true disability. Joe probably knows about it. Anyway, A woman comes to my house to do this exam right, chest up or excuse me, waste up and questions, and I swear to God, this is a true story. We were there five or six minutes and she's asked me questions and I'm answering. Then she starts folding up and says, you know what, I'm not I'm not going to be

treated like this. She walked down. No, if Donna wasn't there listening, I would have thought, you know what, maybe I did some wrong and I didn't. She was just like expecting me to like blow up like I do on the air. Maybe I have no idea. She was like shaking and I didn't. You know, that's just a funny story. Now, Tim, you have a comment on the show. What's your comment? Go ahead. My comment is, every day you kind of beat it into

our heads who you guys use on your referral list. You praise a lot of people, and I would think, and I would do this if I lived in the Denver area, is to use the referral list for everything across the board. But you get so many people calling in wanting them to know you want you to jump on their side when Nick still and that's it. I know. No, No, listen, Tim, that happens all the time. And I'm going to tell you something about the show. You may

or may not know. Of course, ninety five percent of my callers are not listeners. They become listeners, but they're not listeners. They find doubt from listeners, or from friends of listeners, or just because I've been here for forty five years, call Martino. You know, when I first came here, I remember my job interview at Channel four and Roger Ogden said,

Hey, what is your goal? And I said, my goal is this that when somebody has a consumer problem, they think of me and they say, you know what, I'm gonna call Tom Martino and that's what they do. But they don't necessarily listen. Now the people I mean this sincerely, and I think my YouTube morons will even agree, even though they like joking with us. I'll bet you they don't get ripped off. I'll bet you they don't because they listen. They are My listeners are so fricking hipped to

everything going on. I'll bet you they seldom get ripped off. So when you hear all these people calling your thinking, God, Martino, why aren't they listening? Because they're not listening, Chopper, just give me one of these problems. I'll take the next one. After the break of v lele Hoe Terraces apartments. Who was that consumer's first name? That's that's what I go by. Yeah, it's Tasha. It was the she was complaining about. Got it she lives in that apartment. She said, there's an infestation

of bed bugs, cockroaches, and mice. That's correct, But she didn't tell us one simple thing, Tom, that she had been under a court order to leave, and that's what she was actually complaining about. I can't interfere with the court order. But wait, hey, so she already she already went through eviction, Yes, the process and was supposed to leave on March thirty first, Okay, that's that. Okay, So a little good would it do to help her with bedbugs? Went, So she's got to

be out of there. Well, I don't know if she was telling us the truth. I reached out to my friends at the Sheriff's department. They have no order to go evictor, and I called the manager and the manager hid under almost like the hippolaw, wouldn't tell me anything. Okay, did she tell you that? Then? He said, setn't there? Yes, that the sheriff was going to come get her. And the manager was not a nice person. I don't know if it's already the point though, that's

crazy. I mean, it's not like all this went down when she called bad day. If she's to the point where the sheriff's going to show up, it's been months, Yeah, but the sheriff says they don't have an eviction order, and the manager's basically who knows. But there's not much you can do about it. Let's talk to you coming back. We got more coming up three oh three seven on three talks seven on three eight two five

five. Ideal home Loans Still doing home loans with the interest rate guarantee, the only ones that have it. So if the rates go down and you get refinanced free of charge three oh three eight sixty seven seven thousand, 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. Hi Tom Martino, your troubleshooter three O three seven one three talk seven one three eight two five five chopper? What about this auto warranty? Who are we working with on there? What was the person's name? The first

name is Samantha some I don't remember that one. Okay, go ahead and tell me about it. Uh. First of all, I want to say, please listen, Tom and mark out of warranties and applying to warranties are worthless now? Yeah, on used cars, that's for sure. A used car warranty is worth us, that's right. And extended warranties on a new car, on a new car and used Because extended warranties on a new car

can run concurrent with the factory warranty, you get nothing extra. You should add it on after With a used car, you should never get one. What happened with her? Okay? This one? It was a twenty fourteen cheap Wrangler, right, you got it one hundred and twenty nine thousand miles right, And they took it to Larry Miller. The problem is United Care. I read their warranty. They don't have to do anything about new parts or any parts. They can replace it with used parts. But my notes

say they did cover the repair. They did not. When it got down to the very end and I tried to reach out, why would they wait? Wait? Wait? Why would they not pay anything? At Chopper? They wouldn't return my calls United car Care, so I couldn't get through to them. And I got to say this about Larry Miller. Gee. I called them five times, tom leaving voicemails because I thought they could give me some help on getting this taking care. Not once did they call back in

the five times that I left voicemail. So she ended up paying nearly four grand on her own. It's worse than that. She ended up paying sixty seven hundred. What. Well, yeah, I don't understand. But let me ask you something. Let me ask you something. Okay, she got it fixed. Pay sixty seven hundred. Why did the warranty not cover the repair? You could never find that out because they didn't return a call. That's direct. I could not find that out and I could not get any

help. Well, she needs to sue them in small claims court. Listen, if the warranty covers the transmission, she needs to sue them. I mean, did Larry Miller try to contact them for coverage? They have talked to Larry Miller, but all Larry Miller wanted was the sixty seven hundred so they could get their car out of there. No, I get that part, and Larry Miller did not. Larry Miller did nothing wrong. They repaired a car. No, Larry Miller would not, would they. Larry Miller

would love to be paid by the warranty company. What I want to know from them is why weren't they paid by the warranty company? What the hell good is United a car care? I mean unless unless they don't cover transmissions. I mean, was that an exclusion? Not according to the policy. It just said they could give you a used one, but they didn't. Well, okay, and did she did let me ask you this? Then I might have we might have this mixed up. I'm trying to understand this.

Did they possibly say say to Samantha, we'll cover this, but you're only going to get a used transmission, and then she decided to do more. No, as the car got there longer, they found more things and United Care didn't talk to her either. They were trying to use the dealership to be the goal between and so far you've not been able to talk to anyone at the dealer or anyone at the warranty company. And that is correct, Tom, Who did you call it? United? You have the number

for United I think people need to call them. I mean really, I mean you know this this BS about not returning calls. I mean, come on, we're trying to help one of their customers. I'll have to get I have three numbers, but I don't. I'm afraid they're Samanthas. I'll get I'll test you or the number. Yeah, I'd like to because I'd like to put people on this. This is bull crap. I mean truly, sixty seven hundred much of that probably should have been covered by the warranty.

She needs to sue them in small claims court. Would you tell her that please? Plus we'll still work on it. This is BS man we got I mean, you know, I know used car warranties are useless, but man, they should pay something. Three h three seven one three eight two five five. God. I get pissed off when people are so bad. By the way, Grossman Wellness Clinic Grossmanwellness dot com. It's a concierge medicine that means you have a doctor on call. You do, text them,

call them. They provide most of your prescription drugs, your blood work and your consultation's blood work every three months, and your supplements. Yeah, for about a few hundred bucks a month, depending on your program. I'm part of it, I'll never change. And for two hundred and forty nine bucks you can at least get your blood work and consultation to see where you stand right now. They specialize in longevity and health Grossmanwellness dot com. 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 had dozens of insurance companies find out now three all three seven seven to one help.

You'll think you're his only customer when you choose Frank durand the Real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two rz Hey I'm Tom Martinez, your troubleshooter three all three seven one three talks seven one three eight two five five. Okay, man, we're having a lot of good discussions right now. And you know, I haven't heard in a while about Kirby, But man, I'll tell you what

Kirby vacuums. What a hell of a job they do with the sales end. Of course, the vacuum is no more than a vacuum, but they're amazing. Do you know why I did the math one time, and for what they sold this one woman with a Kirby, I calculated she could have bought a new vacuum every two years and and and brand new and every two years for like twelve so many years. Yeah, but what the vacuum have

been is good. I mean really, that's what it comes down to, right, Okay, Okay, do you know what Kirby is used to sell for? Do you know what they used to sell for? Do you know what this woman paid years ago? Do you know what she paid for it, years and years ago? Four grand for a vacuum? Yeah? Yeah, Yeah, they come into your house and I don't know what the hell they better come with a call. I think they do some voodoo and a

dance and a little hypnotism. Because people used to pay that much. I don't know what they're paying now, Vic, go ahead tell us your story, VIC comment listeners, Hey, Vic, what did you buy a Kirby? First? I want to know that, Yes I did. What did you do? When did you buy it? And what did you pay for it? I just want to start there. Okay, I buy it February first for sixteen twenty three, one tho six and twenty three. Okay, Now that is crazy in itself, but it's not four grand. So that's

good. You bought a Kirby and what to Now? Tell your story? And you bought it? When did you say? You bought it in February? Yeah? I bought it February first, which was Friday night. That came a week prior. Okay, got it and I said, yeah, come in. They said we'll do a free carpet wash. And so anyway, does this Kirby? Does this Kirby do shampooing as well as vacuuming. Yes, we bought the whole We bought the whole system. Hey, when they know demo did did they clean like one room or the whole house or

what in the demo they cleaned the stairs. Okay, did it look good? Yeah? I sure did. Okay, And by the way, let me just ask you this, are those Kirby still made of steel? Well? It looks like a titanium something really, you know, you know, newer materials from what they were describing to us, and and so you know we were impressed. So tell me what are you calling about? Bro? Well then you know, we talked about it, and the next day my wife tried it and she was like, well, you know, it kind

of activated my art, right, I don't think I want it. What do you mean activated her art? Right? It's too heavy, Yeah, became too heavy. She when she used it, she used it without this attachment, and when we were using it, we didn't take that attachment off. And she says, well I can't. You know, it didn't seem like it was gonna do what she needed. And so it reminds me.

It reminds me of when I go to these fairs and I see these people with these Ginzu knives and these blenders and these welders and and all of this crap, and I'm thinking, ah, man, I want to buy that, or they have these special things that cut tomatoes and make them like works of art. So I take this thing home, and my god, it's like, you can't do it. You can't do anything you just saw now. I don't know if that's like the Kirby he showed you how it cleaned

and you couldn't do it. But let's figure it out. Hang on, hang on, and we'll come right back to you and figure out what we can do about this. Sixteen hundred bucks is a lot of money for a vacuum, that's for sure. 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 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. Yeah, rip mad News. You need advice so you don't have you come running as as a cam shooter's gonna help come man. This is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here,

Welcome to the show. Three oh three seven month three talk seven three eight two five five. This hour brought to you by my moneymway dot com. A movie event coming up on the ninth of this month, and it will be about retirement and what to fear and what to do to prepare. It's not a job, I promise you, and we'll be talking about it. So what I'd like you to do is make a note of that seven o'clock April ninth amc Southlands, that's right off of four seventy and it's really a

cool theater. How many people showed up last time we went out there at about one sixty five that's one seventy. This time the theater's smaller though, so you better sign up now. Yeah, we had a good time. So anyway, Joe anything, Joe, you wanted to make a observation of the S and P five hundred. That's a that is an index of the stock market using five hundred stocks, and then you compared it to what well do the fixed index annuity that we promote to all. And the chart that

I sent you, how far does that chart go back? It goes from the year two thousand to twenty twenty three, okay, and that means what the chart will tell you is that the fixed index annuity did the same the same as the SMP five hundred. And people, consumers who had a fixed index annuity had nothing to worry about. They had no fear of losing money,

and they didn't put up with the volatility of the stock market. And they have guarantees, guarantees that we've been talking about for years, a guaranteed income for life, long term care benefits. They have a bonus to begin with. It is a phenomenal products. They fixed index annuity. That's what we've been talking about. And I just got this chart yesterday and I'm going to send that to you, and just wow, it just amazed me look

at it. I mean it's just from twenty two from the year two thousand to twenty twenty three, the fixed index annuity did did the same as d S and P five hundred. Now, how good is that? With no fear? This isn't actual this is actual data. It's actual data, all right, Now, thank you? And that's my money, myway dot com to find out about the movie. Yeah, and Vic wants to talk about and Tom, can I ask you one more thing real quickly before I leave.

It's actually, you know, the movie is going to be at the South Lond Theater and there's plenty parking on the rear of the theater, so people have to go to the rear of the theater to park. There's plenty parking, and we suggest that people should get there by six forty five. The movie will be getting at seven o'clock sharp. Okay, thank you appreciate that, Joe. Vic. Let's go back to you about your Kirby. You bought the whole system. You bought the whole system February first. You

paid sixteen hundred bucks. Your wife didn't like it so much because it was a little hard on her. Right, basically right, it worked, it worked as represented or not? Well, it worked as represented. It sure did. But you know, you know, the salesman said, you know, you have three days test it out. If you don't like it, let us know and you could return. Yeah. Well, the three days is called their three day right to rescind in an in home sale. Was

that stated on the contract. Yes, sure was okay, did you contact them within the three days? I did. We contacted him that Saturday, which is February second, and we send an email letting them know with the model number and what good wanting to do? We let the voicemail and then we did get a hold of the sales manager Cody Yes, and told them we're going to return it. And he said, okay, let's uh. I can't do it today, but we could schedule it and I'll pick it

up on February eight. And I said, okay, great, make sure you bring our vacuum. So on February eighth, with wait, wait, they took your vacuum. Yeah, we you know, they said, we will give you two hundred dollars for it off the cost of the vacuum. Yeah, that's all invisible. They don't have your vacuum probably no, no,

they returned it. Oh the good. And when he came back on the eighth to pick up the vacuum because he was going to be in our area during that time, he brought back our vacuum and he took the vacuum and he signed, oh good. So so wait wait so they did okay, so where's the story going. It sounds like they did what they were supposed to do. Everything was going right, except he said it was gonna it was going to take a few days for the return to our credit card

to come in. He said, by February twenty second, you should have your money back into your account. Wait a minute, you don't have your money yet. He never returned it. Tom. So, now you have no vacuum man, no money, no vacuum and no money and uh and no conversation with him. He doesn't return our call. Let's call this deadbeat?

Yeah, yeah, And so we got a hold of Kirby, the parent company out of Ohio, and they've been trying to mediate him to pay us back for a couple of weeks, two or three weeks now, and he seems to come up with different excuses and doesn't hit the deadline and does it' Hey, let's get this guy's phone number, Kelly. Let's give him a call and see if he wants to come on and expand what is this guy's name? This is crooked crap. What's his name? His name is

Cody? Cody? What I think it's Stingler? This is this sounds like a sleeves brigade to me that Kirby's even trying to push this guy. It's crazy. He's us keeping the whole deal. Man. How much commission do you think he makes off of a sixteen hundred dollars vacuum? I have no idea. Oh no, I don't think so. No. I think he makes about four or five. You know, I hope this guy didn't go buy a cheap shark and slap a Kirby sticker on it. I'm wondering why

he won't give your why he won't give this back. Well, he doesn't want to give up to commission man. Okay, I'm writing this down. We're gonna call him hold on three oh three seven one three talk seven one three eight two five five. I want to call him right from the show

and ask him to come on and explain why he's not returning money. And then I want to give out his number if he doesn't come on, And I want to find out what the hell's going on with this company, if anyone else has had a problem with this Cody at Kirby, Kobe Kurdy, Cody Kirby, let me know, Cody Kirby, Cody Kirsea it three times real quick, Okay, anyway, yeah, dick, Yeah, I was gonna say in the contract it's his k r Z Systems and he's he's a

sales manager or the owner. Okay, yeah, that's his company. Probably maybe not, but who knows kr Z Systems. Okay, yeah, k r Z okay systems, all right, probably credit card. Uh that's what the credit card investigator said. Wait a minute, you paid by credit card? Yeah, we'll get your money back period. They got a contestant, it's done done well, we did contest it. But they they they didn't. They didn't. They didn't find any any I guess they closed the case.

Wait, wait a minute, what you have a credit card? You rescinded the deal within three days, you return the product, they need to reverse the charge. That's what we think. But under their investigation, they said didn't have sufficient evidence or paperwork. Who is the issuer? Did you give them? Did you submit information to them? Did they even ask? I think they left you off. Who is this? Who's your credit card? Person you've been doing? I mean, what credit card do you have?

I think it's a master card? Who's the issuer? Sam's Sam's Now, come on, man, they got to reverse that charge. You got to dispute it again. Tell them, did you tell them you returned it? We did, yes, And that as a matter of fact, Tom today earlier back around this morning, round ten, we did. We asked them, why did you guys close the case? They told us, so we reopened it and to rescind the paperwork again. Good good, And so we're working at from all angles. And here's what i want you to tell

them. Listen carefully, I want Vick, here's what I want you to tell him. If they do not remove the charge, because you did everything you were supposed to do. You abided by the contract, you had a three day right to rescind. They picked it up, they gave you back yours. You need. You're going to file a complaint with a consumer finance protection bureau. You tell them that you should file it anyhow and tell them it now the consumer Yeah, a finance protection bureau I'm going to give I'm

going to find that for you. I'm telling you these people, man, they need to it's it's I'm gonna shell you how to get to it. It's consumer Finance dot Gov. Put a complaint in on the top right corner. There's a link Consumer Finance dot gov. This sucks. I'm Tom Martinez three all three seven one three talk. Don't forget now before the heat comes. Fix at twenty four to seven. Go to this website arranged to have them come out for thirty nine bucks for the extreme clean of your ac.

The only people that really do it, honest to god, when people say they're gonna check your furnace, they shine a flashlight in it, look for something wrong and leave. So if you want it really cleaned and increase efficiency and guarantee no breakdown, that's fixmihome dot com for thirty nine bucks for new customers only. Go ahead. We're actually get a new twenty one inur system if they call today. Okay, so today today is twenty one dollars.

My god. That's it. That's and you can do both furnace and there're gonna share. It's the best time of the year to do both. You need your furnace when you do so for forty two bucks, you do both and get it all done. Listen, man, fixmihome dot com. Go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content. Plea time for an insurance check up free, no obligation. Comparison call Compass Insurance paying too much your coverage at dozens of

insurance companies. Find out now three oh three seven to seven to one help. You'll think you're his only customer when 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. Hello top, Tom Martine, I'm here at three oh three seven one three dogs seven one three eight two five five. Welcome to the show. Whe're here to help you solve your problems, to answer

your questions, take your complaints now. Randy said he has a he called last week. I'm gonna go back to him on a Honda Ridge Line. Randy, is there something new or did we leave it hanging? I got to figure this out, Randy, Well, you know I about the hunter A ridge line have AC problems. They were going to charge you six hundred dollars to diagnose the problem. Yeah, that's right, that's a great call. This guy said it was under warranty, but they were going to charge

for the diagnosis. Tom, But I think what we figured out. I remember that yes, yes, yes, yeah, and uh and then we said, well, what's gonna How crazy is that? But normally, the way it works when a car is under warranty, they charge you for the diagnosis if it turns out it was not a warranty item. If it was a warranty item, they would go ahead and not charging. That's the only dy it made sense unless the dealers just, in my opinion, a complete

ripoff. So what happened? Yeah, Well, I went to pick up the vehicle and they you know, prior to picking it up, I told them if they charged me that I was not going to be very happy about it because I've only owned the vehicle less than ninety days. And I went to pick it up and they took the charge off. Good. They called it a courtesy as a current. Well, hold on, what did it turn out? What did the problem turn out to be? Let's talk about

that part. There was a leak in my condenser? Was it covered by warranty? Was it covered by warranty? Yes? They told me. Even after that, they told me that it really wasn't covered by wanting because the because they were going to have to refill it and fill it with free on and that wouldn't be covered. You know, Honest to god, they sound shady as well. Here's what I want to know. Only fixed it.

Bottom line, you weren't charged a dime, right, And I would have been charged the dime had i'd not, you know, spoken to you guys and went back to them and said that I was very unfair, and then I'd be very unhappy if they trst me that. And yeah, now listen, I do believe if they were Listen, I do believe in the in the putting the charge out there for for warranty work until they confirm it's a

warranty problem. Agreed, once they find out it's once they find out it's a warranty problem, then I think that's when they back They back out that charge. They don't send it to you. I mean, they don't charge I even brought that up. The said of the contract, if it was a covered item, then the diagnostic charge did not apply. But they said it did apply in this particular case. But they're doing me a favor. Yeah, well they're wrong. I don't care, but at least you got

it back. No, I'm in charge. Here's what I don't like about it. I'm glad it's done, but all they're trying to do is act like there's something special. Oh here here, mister Randy. We decided not to rip your face off with this bill, and you're trying to act like the good guys, right, And they're wrong because they would have. They

shouldn't have charged it anyway if it was a warranty item. So but at least you got what you wanted, and they wanted to maybe not give in all the way the dealing was it By the way, it was auto Nation on one hundred and fourth and tensil that they should just they should really just do. It's crazy it played out that way, but thank god they ended up doing the right thing right exactly. One other comment I want to make is that I had called their service to the bar but four times and I

never got a return called back. And then I called again the sales connecting with the finance manager who handles warrs to coverage. They never called me back five calls, never wanted the current call, And I honestly believe the reason that is is because I opted out of their extended warrantine and I really felt like they treated me like a second class customer because I didn't buy their warranty, you know, but you said it was but you did say it was

under warranty. What warranty was it under the HANSA certified trio from the hand the manufacturer? Okay, got you? You know what you should have done? You should have gone to another Honda dealer. H Yes, I possibly should have, but this place was half a mile from my house. Yeah, but I never you know, I always tell people don't pick something based on convenience. If you have to drive a little extra for somebody who's really good, That's what I would do. By the way, you know,

you just that I don't like that Honda dealer so much. I think that Planet Honda's a good place. That's a personal uh. I just Susanna and I just bought a Hondai from them. It Planet Hondai or actually it's pronounced Planet high un day. Yeah, right, anyway, Randy, thanks for calling three h three seven one three talks seven one three eight two five five So fix it twenty four to seven is doing this special for twenty one dollars

today? The extreme clean of your AC Why does it increase efficiency. Dirt is the number one killer is the furnace and air conditioners. So if you don't clean the dirt out, dirt cakes up on a blower motor. For example, all the air in your entire home runs runs through the furnace using your ac or or furnace right it within two minutes, So all the dirt dust. If you have pets, it's even even more so, and it

keep it traps the heat and makes it harder, hotter. Eventually seal breaks because it was never cleaned, and now it's leaking oil and then that seases up when the oil is gone, and it causes as much of other problems. So dirt as it cakes up in a system makes it not work, and we clean the dirt out, and therefore, once we do, we can guarantee it's not going to break down this season. Cool anyway, that's uh, fix it twenty four to seven. Here's the website fixmihome dot com

seven two zero five two six thirty nine thirty nine. Now Mark was talking about something that piqued my interest off the air. Non meat meat? Is it? It's crazy? S Mark? Is it synthetic meat? No? So they took stem cells or I'm sorry, cells or not stem cells from actual chickens, I believe was the one I was reading about. And then, along with other things which I don't know what the secret sauce is, they created a own chicken and picture like a plate of uncut brownie's coming out.

Then they shape it into chicken PADI's or chicken breasts. The problem is it's very mad. They're made from cultivated cells. I'm reading. Yeah, it's pretty cool. It's the lab grown chicken. Yeah, I wonder though right now. I know it's very expensive, so it's not mainstream. But the FDA approved two companies late last year in California to continue to do this or to get better at it or whatever. Saying is the whole and the whole reason behind this. They're doing this whether we like it or not,

it doesn't matter what whatever we believe. If they're doing it for climate change. They're saying that the growing of meat and the raising of meat, beef and chickens and all that is bad for the environment. And they fart a lot, and that's methane gas so and their waste. So what they're trying to do is reduce pollution, not a bad idea no matter what, whether you're a part of the Church of Climate change or not, it's a good idea to reduce pollution. And then they grow this, But is it ever

a chicken? This is what I don't understand. It says that lab grown meat, cultivated meat. It is not artificial. It's using true animal cells and are fed nutrients like amino acids, and they grow. But I don't understand how they grow. I don't get that part of it, Like, how does the meat grow well? Even if it is even if it is growing. I think from a vegetarian standpoint or someone that doesn't eat meat,

I guess it's never alive though. I mean, a plant grows and people don't say, oh, I'm not going to eat that plant based food because it was alive. But if it never has thoughts, I mean, I think really that's the difference. Right. Well, not all vegetarians do it for humanitarian reasons, No, not a lot of a lot of them do. They have compassion and all of that, and they reject the industry. But some vegetarians do it just because they don't think meat is good for them.

So I don't think synthetic meat would make a difference, or they do it for both reasons. They do it for health reasons. But I would argue that some of these burgers, these fake burgers, are worse for you than the thing for your Hell, of course they are, they are,

of course they are. But vegetarians don't vegetarians, many of them, even though they like to believe it's science, if you truly, truly, truly, Now, obviously, if you eat crap, whether meat or not meat or vegetarian or whatever you are, if you eat crap, crap as crap as crap, sugar is sugar is sugar. But if you ate the same or try to eat the same amount of nutrients as the veggie as you do as a as a meat eater, you would you're not as healthy as a

vegetarian. I don't care what anyone says. That's what blood work shows, That's what everything shows. Now, once in a while you'll have some one who is healthier. But as in genetics, yeah, in general, as populations go, and according to studies done year after year after year, vegetarians do not show improved health at all. In fact many in fact, it's just the opposite. Now, that doesn't mean all meat you eat is good

for you either. There's a lot of crap out there, antibiotics and you know, GMOs and all of that, But we're talking about if you eat clean. On either end, it's better to eat, it's better not to be a vegetarian. If health is your goal. If compassion is your goal, that's a different story. I can't argue with you. But if health is your goal, you're not going to get what you need. Truly,

the quit is healthy. But the question does come back to, you know, they're growing this meat, if it actually is chicken, that seems like it would be a great alternative to people that do do it for humanitarian reasons, right, Actually, it wouldn't be humanitarian. That would be humans. Well, I guess, well if they if they're doing it not to kill animals, what would you call it humane? Yeah? Humane? Yeah, yeah, so it would be kind of humanitarian. I think they could.

I wondered the same thing they did with chicken if they could do with veal. I imagine they can do it with everything. If they can harvest the cells, they can make the meat. But I mean, but but then, but then all all the veal is is young beef. So I don't know they would have to cultivate it and get it earlier. I am so in the dark. I would love to talk to an expert on this. By the way, if ever we can book an expert seriously on this kind of food, I would love to more. 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. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen

twenty two. Hi tom Archino here at three oh three seven one three talk three oh three seven one three eight two five five. Ryan's got a comment on fake meat. It is lab grown and by the way, I found out what they do. They literally grow these cells, and these cells are on dishes and they're fed food or in an environment of liquid, and then they become meat. They grow and grow and grow and grow, and then it's it's uh, it's harvested, it's cut off and and used. I

mean, it's crazy. And I don't know. I didn't get it into deep during my reading here. I don't know how they get light from dark meat or any of that. But Ryan, what is your content? I just had a funny comment, you know, for the Bill Gates and the alarmists of the cow farts and all that. Yeah, well they're they're the church of It's a church man. It has every marking of a religion. Go ahead, right, And so my comment is I've been around cows my

whole life. I would sit in a garage full of four cows all night, and Bill Gates can sit in the car with it running all night and see who comes out tomorrow. Okay, so you're saying you can breathe, you can breed the farce, but you can't breed the car's gas, right Yeah. So I mean and then all the airplanes. I mean, there's a lot more pollutants. And I agree with you. I'm pretty much down the middle. We should all be well, yeah, we have to be

good stewards of the earth. I don't think anyone thinks we should destroy our earth, I mean, and our air and our water or any of that. I'm all for that I'm not talking about when I talk about climate change. It is way beyond, way beyond that. I mean truly, way beyond that. These people that are truly into it, if you really talk to them, they want to do a way with industry. They want to

literally go back in time. Literally. They won't tell you that upfront, just like some of these religions won't tell you, Oh, well, this is what really we believe. You know, we're going to become aliens on another planet and have our own planet and you know whatever, and we're going to grow little children in gardens. I mean, there are certain things you're not going to be told about anything until you get deep into it. But anyway, the cultivated go ahead. Oh just another small fact. The family

farm has shrunked greatly from the forties through today. We're producing, you know, all our food on two percent of ownership of farmers and ranchers. Isn't that amazing that we're able to produce and do all this food for everybody that's complaining about how bad agriculture is. By the way, here's the thing. Once I'm telling you, if they had their way, we would also be eating bugs. You will not believe the plans that the Church of Climate Change

has. Now there are a lot of people say, well, we got to do something for climate change. And again, I'm not taking a stand on climate change right now, I'm talking about the Church of Climate Change and yeah, just like you know, it's just like any other church. It's just like any other faith. They have their demons, they have, you know, the god of technology, or of cutting back and going back in

time. It really is hard. I'm not going to criticize people's beliefs ever, but what I'm saying is there's got to be stuff we can do without being crazy. Right, So what do you think about the meat? I mean, would you I was going to get when they came out with the Impossible Burger. I tried it. It wasn't the same. Yes, it was similar, but you know, they put all the sauces on stuff like that you can't even really tell, which is fine whatever, But I'm a

meat person. I'd rather eat the natural beef. When you put all those together and they grow the meat and the petri dish, you still have to add fillers and you know, all the preservatives and all the stuff that's bad for you anyway, all the red dye forties and the yellow forties. You know, all that goes into the science is making the meat. So when they go into all this impossible burger is going to be better for you.

Well not really when you look at the science of everything and all the dyes and the preservers they have to put it in there to make it look like a real piece of beef. Yeah, but here a lot of people are eating that stuff because they don't want to see any animals killed. So I mean, it's just a whole different argument. It's a whole different argument. But by the way, I just want to say something about what's funny about

vegetarians is that they bend over backwards trying to make stuff like meat. So what's amazing is is they come out with stuff for vegetarians to mimic meat. Now, if they truly, you know, it's weird. So so it's like, I mean, how crazy is that? You know, you know, we know pedophilia is bad, but here's a doll. I mean, it's like it's like a substitute for some It's a long what I'm saying is if you hate the idea of meat, why do you want the taste?

Why do you want the texture? Why do you want everything? Meat offers the protein, but yet you don't want the meat. It just seems like you said for compassionate reasons. Maybe that's why. So those who those who avoid meat for compassionate reasons, they might say, Okay, you know I want I love meat, I just won't eat it, just like people love

ice cream, but they can't eat it because it'll make them fat. So anyway, we have more coming up on the Troubleshe show a night, Tom Martino, You're real three seven one three talk seven one three eight two five five. Hey Jay, what's happening? What's going on? Tom? I have an idea for a business, and I'll tell you why, because I think there's one part of the automotive industry that people get screwed a lot. They get ripped off, and even good shops charge way more than they should

because they can. Yeah, like you can go get your brakes done at only a break place. I think air conditioning needs someone to do air conditioning only because that is a spot where you get charged so much for something so simple. But you get your head knocked off every darn time, and you think that's because wait, you think that's because the shop doesn't specialize. I think if somebody specialized in it, they could. They could have franchises everywhere

just doing air conditioning, because it's it's huge, I mean everybody. But why would that But I understand what you're saying. Why would that make it cheaper or less expensive. You still have the materials, and you still have the labor, you still have the plant, So what would be cheaper. Here's the thing. People charge exorbitant amounts to work on air conditioning. It doesn't have to be that way. Well, don't you think it's their normal

shop rate? I don't understand. I don't think they up the charge r No, no, no, no, no, it's not by the hour generally. Okay, I want to get I want to get one of our shops on to talk. I mean I'd like to know that, George, go ahead, Sorry, I don't think it costs any less. Look, if this place special it, actually it would actually cost more. And the reason why is because they would only do that so their clients would only be

paying for that service. They would still have to cover all their overhead, their building in place where they know and so that's what that's what's being missed here. And so if you he likened it to transmissions, which are much more widespread and have moork, you see with acs, I don't think there's enough work for a special office. That's what I was going to say. So there's not enough demand and therefore you don't actually have to charge more to

cover your overhead. I mean, who knows. We might be wrong, but I mean I'm just thinking, I just can't know. There was Hey, guys, and George will remember this, and I know Tom will. There was a model someone tried to start, probably about spent five or ten years. But basically you would buy your AC unit for you know, is cheap as cheap guests, almost a wholesale price, and you would buy it on the internet and basically it would be deliberty and they would send someone out.

Oh yeah, that you you're talking about homemac now, right, think let's call Kevin Coking on by the way, let's get shared. My point is, 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 one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two ripped So you don't have as we can. Shoot's gonna help come. This is the Trouble Shooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to the show. Three oh three seven one three talk

seven one three eight two five five. What's on your mind today? We have my moneymway dot com. Now we have Jordan with us, and Jordan is with Joe Kiano. I love how they're actually father sons, of course, Yeah, I do, man, I honestly, God do we have a lot of businesses on our referral list like that Excel roofing. Yeah. So anyway, Joe Jordan is here, and then Jordan is going to be

at the movie as well, and we're talking about the retirement dilemma. And I want to make sure people know that this is a These are real case studies, by the way, in case histories of what happens with people and what can happen to you. Now again, it's April ninth amc Southlands. There's no charge, it's complimentary, but we that you reserve a seat, so you get one. My moneymyway dot com three oh three seven seventy nine sixty six hundred and uh. I'm gonna give some opening remarks and we're going

to watch a movie Jordan. As far as annuities, right now, I was told fixed index annuities, and by the way, that's not the only thing in the world people do. Okay, I'm not gonna lie to people. They shouldn't have all their money on annuity. They should have all their money and stocks. They shouldn't have all their money in anything, but they should certainly. I believe in everybody's portfolio there's room for an annuity, truly,

and I'm following my own advice. But now here's what I here's what I want to know though lately because of interest rates, and this is what I don't fully understand. I'm told it's one of the best times in the world to buy an annuity and I did, by the way, So you get a big bonus going in and then you get really good returns and they're locked in. So why do annuity companies lock in things that they know are not permanent? In other words, they say, yeah, buy now while

the rates are up, And you think, why is that? Why? Why do whys insurance companies that sell annuities? Why do they bank on the present? It's a great question, you know, yeah, why do they do it? You got to think annuity companies their life insurance companies. Basically, you know, they're born to make money. But the key thing is is about three you know, third to two thirds of the money that's invested in bonds. You know, this is how they can guarantee interest rates at

a certain rate. And then the other third to two thirds, if you depend on which company is going to be more in those you know your buying puts in stocks. So to your question, when interest rates are high on these bonds, when they're in a good place, this is why people are saying buy now, because you can lock those rates in and they won't change

if based on certain annuities. So they're great to have the high interest rate locked in like a cyd almost but you still get that growth in the s and P five hundred the market, and you can get higher and higher as you go forward. But the guarante because it's indexed on those correct And the point I want to make is when you make a gain, it can't go backwards ever, right, I mean once it locks in. You're absolutely right,

it's like a stairway up sideways, up sideways. You'll never see it go backwards like a four to one k. And you're I want to make one comment to your your the beginning statement, You're absolutely right. Not everybody should have all their ages in one basket, you know. And you've got

to have a foundation. And that's what we believe. This is a guaranteed foundation so that you can count on some money and retirement in addition to social security, and then have some money in the four to one k's the market maybe to get some chances to make it a lot more. Now I'm going to tell you something that sounds crazy, but honest to god it I was talking to this woman and I said, your home has gone so much in value you paid it down next to nothing. Now I'm not giving this advice.

I don't want people listening to run out news. But we put some paper to it and pencil and it was weird how good it came out. She could get a million dollars on a reverse mortgage. Now before people say, oh my god, well, now listen, that loan is accruing at a very low I mean, when you okay, you take that million. You can take that million dollars and put it in an annuity. It will

outpace the reverse loan. But she doesn't want to. I told her, you don't do this if you want to keep your house forever or pass it on to your kids when you are ready to retire to somewhere smaller or even assisted living or whatever. This annuity has long term care built into it, plus income plus income, right right, Jordan, that is correct, And now listen to this benefit. She can go and move her house will never be negative. If it is, she gives it back to the lender.

It's you know, that's what reversed. But if it's more, she gets that money, pays off the reverse or leaves the house either way, and then has guaranteed income for life of I think it turned out to be like one hundred and twenty five thousand dollars a year on top of social Security what he mentioned the death benefit. So you get in Tom's example, they're getting the social Security, they're getting this you know, paycheck or guaranteed payment for

life. What is a death benefit? Does that equal the initial investment or how does that work? That grows with the with the product. So as it gets higher, let's say it starts out at a million in this example and continues to go to one point five, one point seven to two if she passed it in those points, as it gets bigger or in the beginning, so the owners still end up getting a big chunk. Cops. Oh and I forgot to mention going in that one million turns into one point three

or something yep, or one point twenty five incredible automatically. Yeah. And so here's what I want to know is that death men when we tell people because she said, what happens if I die and I still have money in my account? And I was always told whatever's left on the table goes to your errors. Is that right? That is correct? Yes, there is that hold on, but this is an important question. Is that in addition to the death benefit or is that what the death benefit is? Uh?

I think I understand what you say. It would just be whatever the account value is. So whatever's in the account is death benefit, you know. So okay, got it. So it's not a death benefit plus the account balance, it's okay. Yeah, And it's important at this point too. As they're taking money, that death benefit goes down as the income is coming out, and so that's It's not like life insurance death benefit, right, it's not. Yep, And people still have life insurance along with correct an

annuity. But as I said, again, I'm not telling people to go out and get a reverse loan and put on and do that. But I'm saying that there are ways you can do stuff like this that are that It's just incredible that Tom, you mentioned the health benefit. I mean, how does that work. If you're getting let's say, let's say whatever you do an annuity, and you decide to do that paycheck for life instead of a cash out on it. When you finally pull that trigger, and you don't

get free. If you're getting three thousand a month, yep, and then all of a sudden you get sick, what happens you get double. So it can be in your house or it can be at a facility, they will pay two times whatever that income is. And then but how do you qualify for that? You've got to have like cancer and you're dying or what, just the same qualifications. Just like any other life, there's certain it's activities you can't do on a daily basis, like eating, bathing, dressing.

There's six daily activities living just like any of that you can't That is not that you can't do them, you can't do them without assistance. Correct. And here's the other thing though, I want to make this clear again, Jordan, when we talk about the So this woman or this if she's going to have like one hundred and twenty thousand a year coming in, you're not telling me you can get a long term care a rider that would pay two hundred forty. It doesn't double, It doesn't have a limit. No,

it doubles truly to the payout of whatever she takes out. So if you go so, if she's getting ten grand a month, twenty grand is literally too. She'll get twenty grand a month. You got it, yep. And that's why it's important to say that exact number that would probably be enough to cover longer care in her case, absolutely. People don't understand that though they, honest to God, don't understand the power of an annuity. But then a lot of people don't have a million bucks either put in it,

but you have. It doesn't have to be a million. It can be one, one hundred thousand, it can be fifty, it can be whatever. The longer it festers, the better. And whatever you put in right now, depending on the plan, is getting anything from a fifteen percent bump up front to a twenty five to some of them had a thirty percent bump up front. So man, you're I mean, you're you're right on tom And I just want to make one last comment to your to your house

point. This is so powerful because why would you. I'm a big believer nowadays my mentality shift. Why pay off a house now? I mean honestly, that is your groceries, that is your gas, that is your money inside the walls, And so you hit it right on the head. Need that access to equity if you're not gonna leave it, You're right. If this is not part of your estate, you're leaving to someone. There's no reason to have equity when you die, right, And why pay you?

Why get off the bank's ledger. You know, if you have a good interest rate, it doesn't matter because the equity go up or down whether you owe or not. So we're taking your calls, by the way on anything three oh three seven one three talks seven one three eight two five five. I got to remind you keep calling three oh three Martino as well, and you can always leave a number on that number twenty four to seven and then

we'll get back to you on it. Now, George, when we're talking about HVAC by the way and the heating season coming, what I want to know is does it really does it really get to a point where you do people really wait that long? And and they only call when it's understrain of ninety degrees raating? I mean it just happens all the time. How many years you've been doing this? Why don't people learn to call when they don't

have extreme heat or extreme cold? Well, it's not that they wait tom most of them, I mean some are, but most don't plan to actually do anything about it. And the reason why is because they've had it done before, not not us, not cleaning, and they don't they feel like someone's just going to come try to sell them, which is true with our competitor. It's not true with us that they're just looking for something to sell. They're not. They don't understand the cleaning. We really actually clean it

and aren't looking for something to sell. So if if you have a system, does the extreme and I know this sounds silly, but if you have an AC and you turn it on and it's ninety degrees or it's eighty degrees or it's seventy six degrees, you want to make it cooler? Whatever? Does that put more of a strain on a system? Do you do problems come out the more they work? Yeah, it's all operating hours, absolutely and looking I mean, but it's temperature a factor. In other words,

I think that they're all running right. So does it really work that much harder or does it just work longer? So today, if your AC turns on, I I mean, let's assume it does. Today. Today's actually the war mist day so far of this. But it won't promise seventy But if you turn it on and it's working, it'll feel like it's working right, but today versus ninety degree, if it's not working at its max, if it's okay, it will feel very different. H okay, all right,

so that that's what the point is. It's not going to be cooling as well. But anyway, we got all now Jay. I know, Jay wanted to talk about his business idea and we were trying to run some numbers behind the scenes. The one thing about specialty businesses is they do get the market if they're good, but they have to have the volume to sustain it and the spread. And I don't know, Jay said, I want I think shops should specialize in AC AUTOAC is talking about automobile AC because it's

such a specialty and other shops charge so much about it. We're going to talk to Kevin Culkin about it. I wanted to see it because because Jay claimed that mechanics charge extra for AC work. It's always more expensive than regular work. I want to talk about that and the viability of that business. Plus, take any of your calls at three O three seven, one three A two five five or three oh three Martino, go with a sure thing

Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Leave 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 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 Marshino here three oh three seven one three talk seven one three eight two five five All right now, Kevin Colkin is with Sheridan Auto Tech. Put a dot com on that, and anyway Shardan Auto Tech, Kevin Jay and I don't know enough to disagree with Jay, by the way, I

know about basic business. But Jay was thinking, you know, Tom, I think it would be a great business idea to have shops that specialize just in air conditioning, and maybe we should extend that to the to the ventilation system, maybe where they clean out the filters and the air and all that. But in any case, his reasoning was getting air conditioning work done. Jay, why don't you finish it? What was your reasoning for this? Well, basically, there's so much of it, and it is one thing

where I notice because I used to be an automotive. People always ask me for help that the quotes they did are crazy high. It's not like, yeah, well you know, it's by the hour, it's not. They charge a certain amount to empior system, a certain amount to put dye in a certain amount, you know, and by the time you're done. It's a really expensive thing that a specialist could do over and over and over and

make a great living doing. So are you saying it's more expensive because they don't do enough of them where a specialist would have the efficiency of volume? Oh? Absolutely, What do you do the other nine months out of the year. Well, that's what I was going to want to do that in Arizona. Maybe no, no, no, no, in Arizona. I see there's not enough. There really isn't a lot of air conditioning work like you think there is. Jac, Well, there is, because I'm actually

involved in this stuff. But part of part of your heating system on the modern car, it's all. Well, the chats lying because of all the all the automotive service air conditioning was less than five percent. Five percent the

automotive industry is less than five percent. Do you understand? But but could you run a business on that and now because you're assuming you're going to get all of it, you're not going to get all of it, you know, whereas transmission work is more like forty or forty to fifty percent of all automotive and engines. I mean, I don't know. You weigh in on it, Kevin. Do you charge more because you don't do it that all often? Or is it your shop rate? How do you do it?

We have a set feet it's you know, depending on the price of free on. It costs this much to charge the one thirty four eight cars, it charges this much for the twelve thirty four cars. It's a flat you know, labor plus free on. There's no variables to it. Well, do you think it could be done cheaper? If you, Kevin, you're in business, you're smart, if you specialized in ac could you bring those prices down? No? No, Why if we're working on one today that

we looked at in October? So she decides said, the heck with, I'm not going to fix it until summer, you know. So the car's in here today from seven months ago that we first looked at it. And what would you do the rest of the time of the year. Nothing? I mean, there's nothing to do. Really, people don't fix their air conditioning in the summer. They just don't. That's that's partially true. But

also the heating and cooling are are combined nowadays. Well no, that's why I said, if you made it a ventilation heating, it like an HVAC, basically business for cars. But I'm not. I don't see the volume and I don't see the carge. And George made a good point. What Kevin, You would still have your employees, you would still have workmen's comp you would still have the building, you would still have all these other costs, but only one stream of revenue compared to ten. Look what I found

with specialty in anything, medical or anything. You actually end up paying more if you go to a specialist for anything. Is that true? Yeah? I know, I know, I'm trying to get his reasoning why it would be cheaper. Yeah, but there's so much the car. You know, you have a heating system that's tied to the thermostat that's tied to the engine, that's tied to you know, the electronics that go through the body control

module and everything else. So it's not a completely separate individual system. It's integrated with other systems in the car, So it's not something you really special argument, I don't think, Well you could have you added those other elements, but then what the hell? Then then you add you may as well just do auto auto maintenance and anyway, Yeah, I mean, I'm looking. I don't mean to shoot down your ideas. Jay, I just don't see the first of all, I can't even can I never had an air

conditioner worked on ever. I mean, and I've owned a lot of cars. Now, I just don't know. I got to call bs on that you dropped about ten grand on AC on that damn G wagon. No, I didn't, Mark, it was you're talking about that time that, Yeah, but that was something else. It was. Yes, AC was part of the problem, but it wasn't just the AC, as Kevin said, But I'm talking about air conditioning in itself. Have you ever had an air

conditioning problem? Mark? Yeah, but I owned shops. I have not since I haven't owned shops, and you know, no, no, but okay, when you own shops, how much was air conditioning work? Oh my god? We would do what they called a evacuate and recharge. Was this is like two things I'm asking No, No, I'm not asking how much money, I'm asking the volume. Was there a lot percentage wise of

your work? Yeah, for like two months out of the year, we might do I don't know, fifteen to twenty percent ac only for those months. So okay, yep, which well, and but really and that's before it did cost a fortune. Honestly, our average service back there that would include die so we would make sure it didn't have leaks was like seventy nine bucks man. But to Jay's point, Now, to Jay's point on pricing, tire shops they have they specialize and make it and of course those wear

out all the time. But tire shops do it cheaper than regular shops, Kevin, I mean, you can't compete with these tire shops. No. I could sell tires way cheaper than Kevin could. There is no doubt about that alone there. So that's where Jay's getting the idea of volume. Excuse me of specialties being cheap or cheaper like, but what about breakshop to three months a year? Man, Kevin, are there shops that just specialize in breaks? Well, you know, the minas isn't just breaks. They don't

specialize, but they primarily do breaks and suspension. They don't do any any and can they do it cheaper? Not necessarily No, okay, But but tires would be one example. I don't think AC would reach that. Yeah, but tires. Tires are a whole different deal man. I had to spend in excess of a million bucks a year in tires just to get what I call my waterfall money. If I didn't buy a million tires, most years I could lose money on tires. I made all my profit coming back

from buying the tires. And Kevin unless if all you do, like discount tire is really sell tires and tires only, it's hard to make money in the tire business unless you got the volume absolutely and one shop. One shop could never know Kevin would never buy a million dollars entires. I had five shops. Yep. Now you end up buying tires at the end of the year, you don't need to get your rebate. Oh I see, I see, Okay, we got more coming up. I got to take a

break. Three oh three seven to one three talk. We have time for plenty of calls. Three oh three seven, one three eight, two five five or three oh three Martino go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh

three seven to seven to one help. You'll think you're his only 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 here three h three seven one three Talks three oh three seven one three eight two five five. Hey, speaking of midas and shops like that which Kevin was talking about, how they try to specialize. We have Craig who has a

problem. Craig, what is your problem? Hey? Tom? Are you yes? Sir? I am sir. What's happening? Well? I have an older Honda that I had a crack and the flex pipe what year Honda? Is it? A ninety seven Honda cord really nice shape? No rust? Okay. One of those was the the flex pipe, which is downwards of the catalytic converted of the muffler. Yeah, okay, I went. I went to a Midas Nervada. They replaced that. The day I drove it home. It rattled like a bucket of bolts, like a bucket of

bolts, like like did your cat go out or something? No, no, there, something was wrong with their installation. I mean it vibration. The vibration rattling is insane. So I took it, turned right around, went back. The manager had already left the day. They said, leave it with us overnight, we'll fix it. So I left, left overnight, picked it up. The next day. They said, yeah, are you still there, Craig, he was driving in that bucket of vaults.

Well, I think did we lose the call? Dog gone? Craig I wanted, was going, man, okay, let's try to get him back. And then whatever happened with the Kirby guy? Did we call that? Cody Stingler from KRZ Systems, the salesperson, and he did not get his refund for his Kirby he brought back during the right to rescind. So he's going to call his bank again one last time to see if they will reverse the charge, and then he's going to call us back and email us the

information of the seller or the guy who sold it to him. Okay, thank you, that's good now, Craig just he got disconnected, right, I'm not sure what happened. I'm trying to get him back though. Now I want to talk to Jordan again about the movie coming up, And Jordan, does this movie talk about social security? Yeah, it's it's just as important topics that just talks about why we're in this social dilemma or find retirement

dilemma. So it does get a brief topic of that, but it's more so just I would say, like a documentary almost you know, it's very informative, it's very great information that every time that we've had this last what was there as about six months ago? Three from what was it four months ago? Everybody walked out of there. I truly was asking them because it was new for us. They loved just have information that was digestible. They

understood what was going on financially. So it does top on all those topics. Side. Was there any one item that you took away from it that you liked? I'd say for me, uh, it was more just the the annuities and talking about you know, how people can can use them. And it talks about a family in particular. I don't know if you uh guy stage with it, but it gives a real life example of a husband

and a wife. Now, yeah, I would say the wife was a little everybody said she was a little harsh on him in the movie, but it showed truly what would happen if they don't have this money when somebody passes away. What would happen if they're relying just on Social Security? And that's like to your point, social Security is just not enough for anybody to retire on. Of course. Is the dilemma is people are only losing so security nowadays and it's never been meant for time. It's a supplement, is it?

Like? I don't know how to put this besides putting it this way. Is it a real movie or some guys standing on the screen? I mean, is a production? Yeah, it is really good. No, it is Hollywood type movie. It's a docudrama. There you go, that's perfect term. It's a docu Jones because it's real facts, real information. But it's it's not like a I would say, and I got I got three emails last time you guys talked saying you didn't give the website out.

I thought you did for this now my money my way dot com, My Moneymway dot com. And they see the trailer right there too. You know, I think they can. I think you can sure my money my way dot com. You know threel three seven seven nine sixty six hundred, Craig listen, man, the Midas issue here, what did it turn out to be? You had you had your uh, the the pipe repaired and or replaced? Right? Replace correct? Okay, So at Midas and what did

it turn out to be did you find out? Well, the shop that I have it in today, I had them look at I'm having to radiator replace it at a shop in my neighborhood. I had them give me a second opinion on that. They say, the baffling material in the resonator is broken. So it's just it's you know, where is that Where is that resonator in regards to in connection to the flex pipe they put on? Well, the resonator is just forward. It's a part of the unit that they

replace. Okay, it's downward of the catalytic and murder and forward. Wait a minute, so they replaced that. What you're calling that and and that. So did they put a bad part in? Evidently? Evidently because it did that from the word goes. So when I took it back, they said, oh, that's just your heat shielding rattling on the pipe, on the pipe that we replaced. Well, I took it back to them. They claimed they got it fixed and never got fixed. So I've been living

with that rattling as I drive it around. Figured out what did the other shops say has to be done to fix it? Replaced the entire part that might have put in. Yeah, well that's where did they actually replace a resonator? Yes, the resonator and the for all one unit got I see, I didn't know that. That's that's logical. It's between the cat and the muffler generally. So when you when you went back and told them that,

what do they what do they say? If you have a mechanic telling you that, well, I'm going back there tomorrow, this will be like a third champ. How much how much was the part? Bro? How much it's like a four hundred dollars part plus labor? Well, how much was it all together? I don't recall. It was like eight hundred dollars, So you should get what you're saying is you should get an eight hundred

dollars refund. Don't you think, Well, I'm going to go through Midas claims because I have no fan and I know you say, I'm asking you you got zero value. Don't you agree you should get the whole eight hundred back or they should make it right? Correct, you could go They're not let you go through their claims. I highly doubt it. You have to be outside X amount of miles in order for them to do something like that. Man, you're better off just you know, literally complaining to that shop

or going after that shop. So I don't understand this, Greig, Why won't they replace it? Well, at this point, if they can't recognize the fact that they put in a part that the bathling material was broken, the rattling was due to that part being defective from the start. They claim it was heat shielding. Obviously they're incompetent and don't know what they're doing, So I don't really have a lot of face taking it back to them.

Well, I don't no, no, no, no, no, no, no no no. If they offer to replace it, you need to let them. Well, I know you say that you always say that you don't let the shop try to replace, But how many attempts do I go through this with the inconvenience and it still isn't right. Well, here's okay, there's no statute on that, but there is there is precedent and usually and with the law, with many of the laws, and the spirit of the laws, it's about three times. Yeah, they like the lemon law

with so long well, but there is no actual law. But I think that you would then you would then probably be in a really strong position for a complete refund. And here's the thing, man on the on this redo, Uh, you know that resonator could have been broken out of the box. Who knows, you know, the baffling. I think you got to give them at least another chance. Unless they did harm, you need to

give them another chance. I mean, that's what I would do. Just just let us know if you're going back tomorrow, let us know tomorrow is car day. I'd love to hear back from you. Three zero three seven to one three eight two five five go with a sure thing Denver's best Ruffer 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 oh three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martinez, your troil shooter. Okay, we can't say it enough. Twenty one

dollars. You'll never see service like this for twenty one dollars ever, fix At twenty four to seven will come to your house and do an extreme clean. You will be so impressed. I mean, you take it apart. George. You know that video you just did and I narrated for you for the Internet. I that video, that's an excellent video. That's what we do. Is that on your site? I want them to see it.

Okay, fix myhme dot com. We just did this video and it showed, oh my god, they're taking out stuff and just laying it out and cleaning it. And would you pay twenty one dollars just to guarantee your system won't break down. Yeah, so this is it. It's seventwo zero five two six thirty nine thirty nine. Or just fix my home dot com now, don't forget my moneymway dot com. My money, myway dot com for April ninth, seven o'clock Amcsouthlands for the movie will be there. So we

got a lot going on on the Troubleshooter Network. Remember save all your problems for me.