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Shoot's gonna help come Man Dix is the Troubleshooter Show.

Now Tom Martine.

Hello, I'm Tom Martino.

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Welcome to the show.

We have with us a major Mark major at the studio.

I'll switch the camera for those streaming and I'll bring up the studio right now.

And Mark, tell me what you have going on at the at the studio.

Well, we have got Keano, Joe is in now.

Jordan's going to join us in a couple hours.

We got that event coming up for people in Colorado Springs.

It's this Thursday at the Chapel Hills Mall, the AMC fourteen over there, We've got a movie event one hundred percent free.

It's called the baby Boomer Dilemma.

We've seen it down here or you have as well, Tom in Denver, but this one's Colorado Springs and they can go to my Moneymovie dot Com one hundred percent free, though, get signed up.

Suzanne and I are gonna be out there.

It's this Thursday.

It's only a couple days away my Moneymovie dot Com.

I got Deputy Dollar with me.

I got Chopper on the other side, Suzanne, my beautiful wife.

To the left.

Of course, Kelly answering your phone calls at three ZHO three Martino and Shannon is back there somewhere.

I see him now, Yes, well good, I got the studio dialed in for those of you watching, And if you're listening, welcome, And if you're listening at time delayed, remember you can always call three oh three Martino at any time you're listening.

So a lot of people say, Tom, you know I listened, and uh I need to know.

Uh, how can I get in touch with you?

Well, you just call three h three Martino like Todd did, and then we call you back.

Speaking of Todd, let's go to Todd.

Then we have a net and we want your calls again.

You can call three oh three Martino three oh three, six, two seven, four sixty six anytime.

Okay, you can call that anytime and.

You'll get through to us, including when we're on the air or three oh three seven to one three talk seven run three eight two five five.

Uh, Todd, what's going on in your life?

How can we help you?

Todd?

Well, good morning to everyone.

Hey, what's happening.

I've got a uh trup that I've got in service for DOT and uh I've had a shop do some work to it.

Now, what do you mean is what do you mean in service for DOT?

Are you a subcontractor to.

I deliver products throughout Colorado for DOT, for for the Department of I'm a transport hot shot company.

Okay, so I delivers for companies to end user.

I guess.

I guess what he's trying to figure out, and I am too, Todd, What do you mean you have it in for DOT?

Is it like an inspection you have to have done?

Or why.

I got to comply with DOT?

And as far as weights and vehicle inspections, I can so I can provide services to companies.

How often do you have to do that, Todd?

How often?

I'm currently sitting in my semi getting ready to get unloaded.

But the truck that I called you guys about is my personal company that I delivered galvanized.

Pipe with and what's going on?

How can we help you?

So?

I had a shop up in Earie do a lot of work for me on this truck, and they're a great shop.

The truck's got a little bit more power than stock.

And I had this shop breakdown because we had some oil leaks and I had them take care of all of that.

And while we were going to do that, I wanted to to have a transmission in the truck that could handle what the truck is doing and the power that it's wanting to put down to the ground.

So I did a lot of extensive research to figure out which would be best and I was left with two options because I have a unique transmission in this truck.

It's an assigned sixty eight ARC.

Not a lot of people out there delading, okay.

But to keep it in layman's terms, and then we can get into the details off the air if we get someone to help you.

But the bottom line, you go to this place to get a transmission.

I mean you had other work done, but you wanted to get a new transmission.

Yeah.

Bottom line is I ordered this nineteen thousand dollars transmission from my company that they told me that would be perfect for my use in the situation.

That nineteen thousand dollars.

Holy crap.

At the transmission came in, we installed it.

They had a packet of things that we needed to follow, and one of those was doing it relearn so the computers know that it's got a new transmission in it and everything works.

The transmission would not work.

It came back with a bad solenoid in the valve body and that's kind of like what controls the shifting and everything of the vehicle.

Yeah, okay, and.

So they complained and barked a little bit, but they got an overnight one to us because They considered these things just like gold, and so they overnighted it.

We installed it and it would not do it relearning again.

Meanwhile, meanwhile, you're out, You're out nineteen grand.

They installed it, but it didn't work.

You got an error code and it won't take the computer program.

So where what's going on?

I mean, is it ultimate?

They authorized a lot of work.

The transmission went back, got damage in shipping.

They wanted to deny everything.

I had proof that the chipping company ruined the transmission, so they went in a new one.

We went to install it again.

We had gone through set the truck to factory settings, even on my stock transmission, made sure everything was perfect and it was doing what it should.

However, we installed the transmission and it once again would not do a relearn.

So it did in the water.

The company refused to help us move in any direction to diagnose it, told us not to drive it, and just.

So basically, basically, I mean, as I said, to try to keep this simple.

You bought a transmission, it didn't work the first time.

They sent you a replacement one and the same problem.

So where do we stand today?

Where do we stand today?

I mean, I can understand Listen, bro, I can understand your frustration.

You're looking at a nineteen thousand dollars price plus probably installation and stuff, and it's not working.

My god, I've never heard of a transmission that much.

So where do we stand today?

Trans That transmission sits in an enclosed trailer.

I bought another transmission from Dodge.

I needed the truck, and Next Gen drive Train is refusing to do anything, even denying picking up the warranty work the shop did, which is an eight thousand dollars bill, and they're sending me an email today showing the denial, and I'm in a bad.

Who's who's denying?

The original company?

What's the name of the brain that provided that provided the transit?

And who is it called?

Who's it called?

Next Gen?

Next?

Next drive Train?

But the shop that did all the work.

It's not that you don't you don't mind them at all.

You think they're good.

Yeah, I would highly recommend the shop that I work with.

Oh, okay, and and next Gen drive Train.

And so I can understand this.

Did they manufacture this transmission or are they simply a distributor?

Or do they rebuild them?

Who is next Gen drive Train?

Help?

Us understand this.

They supposedly build and create a lot of parts for a lot of vehicles.

They've got offices in California, and they build out of Pennsylvania, and from my understanding, they do a tremendous amount of products anywhere from Ferrari to Chavy and they've.

Okay, So what do they say do they?

This is usually how things like this go todd You spend money, You go to a company, the garage tries to install it, they can't do it, or it's not being programmed properly.

They send you another one, it's still is not being programmed properly.

Then they throw up their hands.

Many times, what the factory'll say is it's an installation problem or there's nothing wrong with it.

In other words, they refuse to believe there's anything wrong with it.

Is is that their stand?

Are they saying, basically, there's nothing wrong with it?

What are they saying?

They must they must give you a response.

Their main response is that we did not tell them of the modifications of the truck, and that's why this is the problem.

How everyone I originally went, now, what were thisations?

Here's what I need to know?

What kind of I want to keep this as simple as possible for the sake of the phone call.

As I said, when I assign this to somebody, they can look into it.

But for the sake of the phone call.

What modifications on the truck did they say prevented the transmission from working?

The compound turbo set up?

Okay, that's all I need to know.

So the truck modifications to the turbo kept it from.

Working, that's what they're saying.

Okay, here's what I.

Want to do.

I want to get one of our experts on just to in on this.

And then, because it all boils down to this, do they owe you anything or can they say, Look, this was never going to work to begin with, and your shop should have known that.

I want to get Chopper.

I see Chopper.

I believe that's Chopriya.

Hey, Chopper, thanks for waving.

So Chopper, I want him to call the manufacturer or the maker that they're an aftermarket maker.

I want to see what they have to say about this, and then I want to see where the blame should go.

But I also would like to get Jeff Vick on Kimmeer Transmission just too way in on this.

I would love to get his opinion on this, So let's try to get him on and then we'll take it up after this.

Victor has an h show a problem that we're going to talk about.

Hoa's are a nightmare sometimes, so you stick around for that.

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Hi Tom Martino here, Well, I'll talk to Victor now.

But on a note on Todd, the truck is what eighteen years old and you spend twenty thousand dollars or more on a transmission.

God, I mean that alone.

In fact, let me go to Jeff fit because we do have them here.

Then I'll take Victor with the HOA.

Hey, Jeff, I have never in my life ever heard of anyone taking a two thousand and eight Dodge Ram and buying a nineteen thousand dollars transmission.

Have you ever heard of this transmission place next gen drive train?

No?

I can't say they have.

Well, let me ask you.

Can you even fathom a nineteen thousand dollars transmission?

You know, if you were doing a conversion or something where you're going to stick to automatic or vice versa, then yeah, I could definitely get up there.

But just for a stock build, certainly not Todd.

Can you explain explain it?

Thousand conversions?

Thousand conversions are running about eighteen thousand.

Yeah, if you're putting in an Allison, yeah, you're putting in a conversion.

Kits in the air.

Very reasonable for that.

Yeah.

So I had two options, either go Allison or go this way.

That's all I had.

Okay, And when you say go this way, what way?

Is that?

This was a direct bullet in and it was supposed to be a built transmission that would handle everything I'm asking, Okay.

And Jeff, what he is saying is they installed it twice, two different transmissions, and they couldn't get it to program.

They couldn't get it to learn, so they had to go somewhere else and buy a transmission.

And these guys are saying it's not their fault.

They're saying the reason they couldn't get the transmission to program is because of some modifications they made on the turbo.

Does that make sense to you?

No, it really doesn't.

I mean, there wasn't a whole lot of program I mean there's a couple of different transmissions that could be in that truck.

Uh, you know neither one.

Let's ask them require Let's just ask them, Todd, what transmission did you buy?

What is it called for?

A science sixty eight RC?

Okay?

They were a problematic unit to begin with.

So, but I mean, just doing a regular build on those I meant to fifteen range is probably more more around what you usually see.

But why why is it they couldn't get it to get programmed?

Why why wouldn't it it?

Programming really shouldn't have programming.

It needs to take a relearn boats are the factory one that I put in and also this one require relearn, so it knows where the clutches are.

Yeah, we are winning, running.

We are one hundred percent.

When they told us don't touch it, don't drive it, don't do anything, and they left us hanging for a week, we wanted to know, so we took the valve body out of the stock unit and put it in their transmission and it operated fine.

We went and swamped it back and we dropped their transmission out when I gotten a new Dodge one because they were not giving us a direction to go forward.

No diagnose I mean, I.

Mean Jeff not only did he pay too much, but they couldn't get it programmed.

I'm not sure if it's the installation problem or the transmission problem, but they tried two different transmissions.

Go ahead.

Yeah, she was able to solve the complaints with the vowel body.

I mean, there's an issue with the vowel body, whether it's with the electronics will revalve.

Okay, Todd, let me ask you, if you could fix it with a valve body, why didn't you keep that transmission from next gen?

Next gen does a lifetime valve body warranty and they're not honoring that.

And number two, they have a billet plate and a couple other things done to their valve bodies to handle line pressure of their transmission.

And with a stock valve body, that transmission vine pressure overloads it.

And okay, so it wouldn't last long.

It wouldn't last long if you did another valve body.

So you're saying you had no choice but to abandon that project and go for a conventional transmission, which is correct.

Okay, So Chopper, you have your marching orders, Jeff, any anything you can add to this or is it just too bad?

I mean really, I mean it's the warrant is only as good as the company providing it.

Yep.

And it's not even a warranty issue.

The damn transmission never worked to begin with.

It just wouldn't work, Jeff.

Have you ever had a transmission that you installed that would not take programming?

Yeah, we've had.

You know, anybody who's been in this industry long enough has had one project or another that just doesn't want to go right.

Okay, what would be the main reason for not accepting programming?

Well, in this in this case, it's not programming, it's relearning.

So okay, I'm sorry, how is relearning different than programming?

Programming is exactly what it found.

You're giving a construction, you're changing parameters.

Okay, got and we don't want luck up.

To come on until fifty miles per hour, whatever the case might be.

Relearning when you're driving down the road, your computer's actually watching everything that's going on inside.

You're on a daily basis, and it's okay, adaptations overwear and tear and so want to so forth.

So when you go in put a new transmission in, you've got to go back to a relearn so it will actually try to learn where the new cluts set ups are at.

Okay, all right, well, Chopper, I want you to start by calling those people.

Let's just see if we can get them to accept this back, you know, so we can.

Get his money back.

Jeff, is there a problem getting money back when things like this happen.

That you know of, especially if I mean it seems like the bigger ticket items, the more trouble you're gonna have.

Is any chance of a mediator or something like that on this kind of thing, Jeff, or.

Meet ar, anybody can hire a media or for anything.

Yeah, but yeah, in other words, Chopper, I don't know what you're asking, but is it conventional to have mediators in cases like this?

No?

I mean not really.

This is something that how much that this is way more than small claims core too, Chopper.

Let's see, man, where's your magic and see if he's got this transmission.

Even if he pays a slight restocking charge or something.

Something's got to be done for this guy now, Victor, I want to I want to thank you, Chopper.

I want to start this problem, Victor.

What is the issue with an hoa?

Usually?

God, Usually with hoa's homeowners don't win often.

So what's going on with you?

Okay, good morning, and thanks for taking my.

Yes, well, thank you for calling.

What can we do for you?

Man?

Well, my friend bought a two story town home with the little wood deck in the back that leads to a little private section.

I got it.

And that was in December twenty sixteen.

Fast forward to wait, wait wait wait wait in twenty sixteen.

Yeah wow, okay, uh huh.

So fast forward to a week ago.

She received a notice of violation.

I guess a pre notice of a violation.

And what's the violation that.

The deck did not have that the deck she needed to shows of the construction of the deck.

What Wait a minute, she bought in twenty sixteen.

Wait, she bought it twenty years now, excuse me, ten years ago and the deck was already there.

And now they want her to show the plans for putting it on.

And she bought it with the deck on.

There?

Is that correct?

That's correct?

And all right, hold on these things never stop the hold on, man, we'll come back to you.

This is crazy crazy when things like this happen, I just don't even know what to do.

All right, We got more coming up on the Troubleshooter Show three three seven one three A two five five.

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Okay, so you call them and whatever price they'll beat three oh three nine or a four to two thousand.

Okay.

You know, Victor, you have a weird situation.

Your friend has been in this town home since.

Two thoy sixteen, and a week ago she gets a violation notice or a pre violation notice whatever that means, saying what about the deck?

What are they saying?

Are they saying that that deck was never approved?

Well, from my understanding, it says that she's all construction or scheduled construction regarding this deck and cebmit construction.

Wait wait wait, wait, is anything is she rebuilding it or improving the deck?

Why did she get a letter?

Well, no, she has, She's not improving it.

All she's really done is maintain it.

But okay, well hold on recently though recently?

If a week ago she gets a letter?

Recently, does she do any standing or staining or painting or anything at all that would trigger this letter?

Anything?

No, No, I am baffled.

Is understood, Yeah, it's interested.

She she's never received any kind of notice on this date.

Could it just be a mistake, Victor?

Could it just be a mistake that got the wrong address?

I mean, guys, you're listening to this, what do you think?

What I mean?

Really, Mark, what do you think?

I mean, AHAs can be pains in the ass, but they're not that stupid to send out a letter after ten years.

I I mean anyway, Victor, what did she do after she got the letter?

Let's take it one step at a time.

What did she do about it?

Well, let them know in a in a in an email through the through a portal they use stating that you know that the deck, of course was there part of the purchase when she bought it, and to.

Go right and and did that stop the nonsense.

Well, they hadn't communicated back to her.

No certin got back.

But here's what I what I don't understand is this Victor.

They write her a letter and say cease all construction.

I mean, somehow somebody complained saying she was building a deck.

Now do other townhomes like hers two story townhomes?

Do they have a deck in the back?

No?

Is she the only one with a deck?

No, there's some other townhomes on the other side of the property that have decks.

So like hers on this uh huh, they're actually on the second floor and on the and on the first floor.

Is her deck on?

Is her a two?

Does she have a two story deck or just out the bottom floor?

Out the bottom floor?

Okay, And it's been there for ten years.

I look at Victor.

According to the neighbor.

According to the neighbor who lived next door for thirty years, she stated that you know that deck was built two or three years prior to the purchase.

Of I get it of the town.

So Victor, what I would do is wait to hear from them again.

If she responded to them and she said, look, this deck was here when I bought this place ten years ago.

Let's see what they say.

I'm marking this.

I'm marking this as a pending file here.

Let's just wait.

I mean, I don't I can't see them doing anything.

It's been there for ten years.

So let's just that's all we can do.

Now.

Scott has an issue with windows not working well, and I think we used our expert to look at them.

But Scott, can you explain what your problem is and what the follow up is?

Go ahead, Scott?

Okay.

Very interesting was that Scott's response was he did he hang on?

I guess so okay, so we'll just go some.

We'll take other calls coming up.

Yeah, we'll take other calls coming up.

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Hi Tom Martino here, Welcome to the show.

Scott, Welcome to the show.

I'm Tom Martino.

Anyone listening, you can call through three seven one three talk seven on three eight two five five and you have.

If you have any questions for Joe Kano, he's here as well.

Mark tell us what Joe's talking about.

Well, I'll tell you the big thing is in Colorado Springs, and we should have all those listeners right now.

In KRDO.

We've got a movie event coming up in two days Thursday.

This Thursday, it's The Baby Boomer Dilemma.

It's a good movie.

You're gonna get popcorn drinks.

It's at the AMC fourteen at Chapel Hills Mall in Colorado Springstown.

But Suzanne and I are going to be headed out there once again.

It starts at six point thirty.

People can go to my moneymovie dot com.

And sign up.

We still got a few seats left my moneymovie dot Com.

But it's a great movie about people getting ready to retire, that have retired and basically being successful in retirement.

I mean, Joe, how would you describe it?

Yeah, it's a very educational movie.

Mark, you know, did you people not only about how to build a guaranteed lifetime income, but actually how to take care of long term care needs in the future.

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And also you know the avoiding I guess you could say that danger or the volatility of the stock market.

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Just go to my moneymovie dot com and Susanna and I and Joe we look forward to seeing you there in Colorado Springs.

Scott, what's going on with your windows?

Well?

I was on with Mark a few weeks ago.

Yeah, what's going on?

What was the original problem with your windows?

Let's just go back real quick and recap for those.

Is this the one where the sales guy kept saying he owned the company and we found out that he didn't.

Yeah, well he does.

Own the company, I'm according to the website.

But how much is Scott?

Tell us the original problem?

You bought windows a whole house full or what?

Yeah, eighteen windows or seventeen okay?

And where who'd you buy him from?

JDI Windows?

JDI?

And what's the problem?

Well between the noise the cold.

Not closing correctly, so they're noisy and cold.

Yeah, I mean I can I you had want Nick from Gravinas come out and look at him.

And didn't the owner of the company come on that day Scott?

And he said he was unaware of all these issues and was going to make it right.

He came out and did three of the windows fixed.

But he's saying that I have to pay him for.

The other ones, and why is that?

Why?

Yeah, why why do you have to pay?

Because he says that they put him in the retrofit is done and doing the spray foam and everything else was not included in the price.

And okay, hold on, so he is saying, he is saying that they installed the windows as contracted, but you need extra work done that isn't part of the installation.

So that's the question.

What did Gravina say about that?

Our expert Gravina, they're good people.

What did Nick say about it?

Well, definitely that they needation around it.

Did he say that should be included in the installation?

Yes, yes, so Gravina said, if they did it, they would have.

Gravina said, if they did it, they would have.

Let's stimulate it around it.

Let's get I want to get Nick on.

And then the other thing is JDI windows.

The owner came on and he went out there the next day and he fixed three of them.

I don't understand why he would only fix three.

I just can't fathom why would he fix those three.

But not the rest.

I don't know.

Mark.

Is it the owner that came out Scott.

No, it was he sent one of his group of three people.

They were here for probably most of the day from like came till four.

Okay, let's get let's do that.

We got it.

We've got the news break coming up.

Let's try to get Nick on to clarify exactly what he saw with his own eyeballs out there.

Then let's try to get a KDI back on the owner.

That's a really good idea, So hang on and we'll get Nick on to talk about this.

Meanwhile, people, if you have any problems, questions or complaints, give us a call three zero three three seven one three talk three O three seven one three eight two five five, and you can call also three zho three Martino three oh three six two seven eight four sixty six.

Listen, beef prices right now are going through the roof, and there's some reasons why.

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As a result, they say that you're going to see crushing beef prices going on and on and on.

Some people are even saying that it's going to be cost prohibitive for the average family.

We have more coming up on The Troubleshooter Show.

Go with a sure thing Denver's Best roofer Excel Roofing dot com.

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Time for an insurance checkup free, no obligation.

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You'll think you're his only customer when you choose for durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two.

Yeah, ript.

News.

You need advice who you don't have?

Come running just as as as you can show.

Shooter's gonna help.

Come Man Dix is the Troubleshooter Show Now Tom Martino.

Tom Martino here, Welcome to the show.

Three o three seven one three talk on one three eight two five five.

Welcome to the only show of it's kind anywhere where we are solving problems, answering questions, taking complaints, making your life a little easier.

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Three oh three eight six two five five five four.

Okay, let's talk what's on your mind today.

We have a major, Mark Major back at the studio.

He's got Joe Kiano with him and they're talking about an event in Colorado Springs to promote annuities and financial planning through retirement with Joe Piano My Moneymway dot com and Mark just tell us where that is for people listening, because we have our listeners from Colorado Springs right now.

Yeah.

So it's gonna be at the Chapel Hills AMC this Thursday at six thirty pm.

You go to Mymoneymovie dot com.

You get signed up right away.

We still got a few seats left, but it includes concessions you're gonna have a good time.

Suzanna and I are going to be out there and these guys.

It's kind of like a Q and A after the I mean, any questions you have, and I promise you will enjoy the movie.

It is a very well made movie.

In fact, there are some who's in the movie.

There's some pretty big names in it.

Show well.

Yeah, you know we have the father of the four oh one K, father of.

The four to one K is one of them.

We have the Social Security Administration head, Yeah, the head of there.

We got the uh you know, we have Nobel Price winners on economics.

I mean they're fantastic people.

Yeah, there's another lation movie.

It's a good way to digest if you're coming up on retirement.

Hey, I wanted to ask you something though, Tom, we have heard now forever, at least in my lifetime, same with you, Joe.

Social Security is gonna run out now.

They have it down to like it's gonna run out by what is it like in another six years or something.

Do you think in all actuality any president would ever allow.

The chance not to go none at all.

It's never gonna it's never gonna run out.

See the movie actually talks about that.

They're saying that social Security is not going to run out, but the benefits will have to be cut by one third across the board.

Wow, I'd hate to be the sitting president when that happens.

I mean, you're cooked.

That's political suicide.

The main problem with social security is that they borrow from it and they use it for other things, and they use it for other things.

If they took I've always said this, if they forced people.

Let's just say we had four, five, six, whatever name it, providers approved government, providers of annuities government.

Since they're never going to do away with retirement, what's better than Social security.

Let's say the government approved a handful of providers.

Those providers with compete among themselves, and what taxpayers do they elect where they want their contribution to go.

So instead of FIKA, it would go in.

Their name to a provider almost like a four to oh one K, or like an annuity actually in their name or.

Whatever's but it would be it would be sponsored by the government, but they're not allowed to touch it.

Now, someone said, look, if you did this and let them invest their own money, they'll have loads of money when they retire, but they won't.

People will just spend it.

That's why they forced social security because they knew even if they gave people that money to do with themselves, the vast majority of people will tap into it for everything.

So it's never going to be around.

So you so, in a way, the government is saying, look, we want you to be secure in retirement, so we're going to do a social security program.

The idea of social security is wonderful.

The bad part about social security is that it doesn't make adequate money for the amount we invest.

Well, it's ridiculous for the amount we invest.

That's right, that's right, it's not even it's crazy.

If anybody, if anybody.

Was like a stockbroker or anything in the head those kind of returns, they'd be out of business.

Yeah.

Right.

Here's the next thing.

Though.

You could never give it to someone and say even say this it's mandatory that you haven't invested, and they go in the stock market.

That would be a nightmare.

But if they took money that was destined to social security and made you put it into call it whatever you want, it would be an annuity product and it would be forced on the public instead of social Security FIKA, it would go.

Let's say they could you know, these companies could come up with their own names, you know, social Security X or whatever.

It's much like they did with Medicare advantage and they let private they let private healthcare companies take the premium and they now provide the social security excuse me, the Medicare so Medicare advantage.

If you take Medicare advantage, your premium pays for all of it, but the premium then instead of going to the government, goes to Medicare Advantage and they will take care of everything for that premium.

So if they did this, then people would have loads of money upon retirement.

The reason the government won't do that is because it would be disaster for them.

They wouldn't have a pot of gold to borrow from.

They just wouldn't have it available.

Their flush fund would be gone.

So think about this.

If we were forced and never would there be one company.

I don't even care if there's twenty companies.

They would have to be approved, right, they would have to be guaranteed and approved with long long track records, and they would have to put your money into these accounts in your name.

Then when it came time to get a monthly check, would be getting a monthly check way bigger than the government, and you'd make way more money.

And then listen to this, because it would be a private product.

Upon your death, you would be able to pass that on to your children, so you would have generational wealth, guaranteed income, guaranteed tax defer growth, and it would be sponsored by the government.

This is what's needed.

It's it that the Social Security system.

It's a bad investment, but we're forced to do it.

We are absolutely forced to do it.

Now.

You know how I feel about annuities.

I don't think you should go into an annuity for a for an investment tool.

But compared to Social Security, it's one hundred times better.

It's one hundred times better because you're forced to do it anyway, and Social Security in a way is a bad annuity.

Okay, it is.

To tell my god, Yeah, I got a comment to make real quickly if you don't mind.

You know annuities.

You know, the company that we represent just came out with a brand new annuity that guarantees seven point two all percent for life.

Okay, what a great return.

I mean, it's pretty it's a pretty good point I mean doesn't.

Know, Joe.

I understand that that that's good and it and it probably is better than a lot of people can do on their own.

You and I may not agree on when to get into an annuity, but we do agree that they're solid income producers.

And again we don't have to Joe, we don't have to agree.

I believe that when done properly investment in the stock market, when you don't churn and burn people, you can make them a lot of money.

Mark is a sitting example of making good money in the stock market.

But I believe later on in life you have to turn that nest egg into something that is secure.

Again, we don't have to agree on when to.

Do it, Okay, I have obviously Wave eight Wealth management.

I believe that we can build a nest egg and it will be wonderful.

I'll remember when I had my pension account.

When I got to a certain amount, the people at the pension company.

At the pension company, when I turned sixty five, they said to me, they said, I would not take this pension if I re you.

This is what the guy said to me, their own actual real He said, I would convert it to cash and roll it over to an annuity, and I said, but wait a minute, you are a pension.

Isn't that an annuity?

He says, but it's not the right product.

They literally had me contributing to a defined contribution plan, and when I built it up, they told me not to turn it into a pension.

They told me to roll it over and I said why and they said, and by the way, it wasn't to sell me anything because they weren't even offering it.

They were telling me to take my money and put it with a guaranteed income product.

So again, financial, here's a bad problem with investing.

Here's the terrible problem, the burning and the churning.

And that's why I'm against ninety eight percent of wealth managers and advisors, because all they do is churn and burn people.

They just want to keep people, and they try to go after the return instead of steady growth, and that is just terrible.

It's especially when they go with big, giant advisors.

They have to do a certain amount of volume, and then these guys make middleman fees and the more they trade you, the more they make.

It's just terrible.

Even when they do assets under management, the activity is demanded by the investment houses.

So it's just.

A terrible thing.

Anyway, Scott, we can't get a hold of Nick Gravina to talk about the windows he examined at your house.

But one thing we know, did we get any want to call over?

Scott?

Do you recall do we have anyone that called over to JDI Windows and actually tried to negotiate repairs.

They said they're not going to do any more repairs.

Who was working on your problem?

Mark said that the owner called in Mark who was working?

Did we assign this to somebody?

Because they were going out there that next day and they replaced or reinstalled three of those windows.

I can speak to this.

Actually I spoke with the owner and he actually can't come on today.

He can tomorrow.

I spoke briefly with him, but he was the one who came on and had no idea that the salesperson was kind of the one who commandeered this, so he sent some of people out to fix the three windows, and he was not aware of the other problems.

So he's willing to okay tomorrow, Okay, now is on vacation, so he's not going to be available.

So not even tomorrow, not even tomorrow.

Okay, Well we'll still address it.

We'll still address it with the owner.

If he wants to come on and talk, we'll do that.

I got to take this break though, Thank you, Kelly.

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Hi Tom Martino, your troubleshooter three three seven one three talks seven one three eight two five five.

I want to bring up Mark Trenner right now.

Mark, are you there, sir?

Yes, I am H'm Mark is a an intellectual property attorney and he deals in patents and trademarks and all kinds of copyrights and things like that.

Mark.

I ran across this today, a fake video of Brad Pitt and Tom Cruise in a fight.

Okay, and it looks real.

I mean it's obviously one Tom Cruise and Brad Pitt.

According to appearances, they're fighting.

Now, this is just one of many examples of this kind of thing on the internet purporting to be a celebrity.

Now, other people are doing it in other ways, but right now, I just want to talk about this Tom Cruise and Pitt.

Both Brad Pitt and Tom Cruise are pissed off about this.

Celebrities are pissed off about about AI.

Okay, I am sure that your business category intellectual property law.

Is going to explode over this entire issue.

And I'm sure you've probably studied it or you have to study it, and I wouldn't be surprised if they don't offer continuing education dealing with just AI.

Are you facing?

Is the industry, the intellectual property industry?

Are they facing a groundswell of problems that will arise as a result of this?

Yeah, it really has.

There's a lot of issues both from the copyright.

What you were talking about is actually write a publicity where where they're faking somebody's actual image.

The flip side of that is where they're generating.

AI generates images, And what's nice about that is AI cannot own a copyright because it's not generated by a person.

So where people used to take.

Pictures off the Internet, they were violating somebody's copyright.

But if you use AI to generate in image, you're.

Not violating the copyright.

So you may still have a write a publicity problem, right with the brad example you gave, But you don't have a copyright problem if you're having AI generate photos for you.

But now you bring up a point I wanted to say.

I would celebrities are saying you can't use my face.

So are you telling me that our faces are protected?

Yeah, they are under the right of publicity.

Now, if you just happen to be out in public and you're walking by and the news crew is out there filming a scene, that's perfectly fine.

But especially with celebrities where they make big money just giving their endorsement on products.

So if anybody's taking their image and pretending to be them, that can definitely lead to a lot of trouble that they'd actually have a right to come back against those people.

Hey, so I guess.

So you're telling me the people put together this fight, even if they don't pretend it to be real, this can be taken down by either Tom Cruise or Brad Pitt because they have a right to their face or I have a right to my face.

You're saying that we cannot use people's faces.

What if they alter the face a little and say, wait a minute, that's not one Tom Cruise, his nose is a little off, or one eye is a little off.

How far does it go?

Yeah, I mean as long as you can go back and say, yeah, that's the cartoon image.

Brad Pitt, I think he's still going to have a case against right of publicity.

Now, if you just have two generic people fighting, you're not going to have that issue.

And then, like I said, you're not even violating a copy right.

So two related issues.

One of them works in favor of people who want to create things, and one of them works against but still protects the real life people.

Now, if I use AI to create an image, I used AI, But can I copyright that image?

If I did it, you can't because AI did it.

You used AI and AI actually did the creating.

Why so no, you can't get a copyright for that.

Wait a minute, No, anything generated by AI is not going.

To be protected, not even if I write something.

So AI is.

Actually doing the writing.

If you're just writing the prompt, that's not sufficient creativity to own the copyright end product.

So, Mark, if I went to one of these things that I've seen where you can write a book, so you answer about fifty different questions about your life, and then AI writes the book and then fills in a lot of holes there, you're saying I couldn't copyright that book because all I did was give a little information in AI wrote it.

Yeah, that's right.

If AI is doing the bulk of the writing, then no.

Now if you write it and you use AI to go through and check for spelling and grammar, that's okay, that's different.

That's just like spell check.

You're still going to have the copyright.

But if you're just putting information in and say, oh, here's a story, and here's some details about my birth, and here's some details about something I did in business, write a fascinating story.

And AI comes up with something that's not copyrightable.

Wow, you mentioned caricatures or cartoon images.

So the right to publicity?

Is that what it's called right of publicity?

Yeah?

Right, yeah, right of publicity?

What exactly does that mean?

Because you said, if it's Brad Pitt in a cartoon or Brad Pitt on a video like this one, he has the right of publicity.

What exactly does that mean?

Do we all have rights to publicity?

You do to an extent, like I said, if you're just out and out in the public, no, But if you just happen to be walking by and end up in a photo, you can't make them take that down.

Although a lot of the time people will say, hey, if there's you're gonna have other people in the picture, you probably want to get in writing that you have their permission to use their likeness.

But definitely celebrities where there's a lot of money if they endorse something, you're not gonna be able to do that.

Even if you put it.

Say well, I put it in cartoons for him, Yeah, but it still looks like Brad Pitt and now you're employing that Brad Pitt and endorse that product.

When he didn't.

But what if they're not doing an endorsement, they just are showing this fight.

For example, if I put it on my website and it shows Tom Cruise and bad Pit fighting.

By the way, it's a great video.

I mean it looks like it was shot on a movie set.

Have you seen it, Mark, I haven't.

Okay, I have.

Seen some similar things, Okay, I talk about.

You know, and they have some of of Trump dancing, They have all kinds of different people.

But what you're saying is, whether it's endorsing a product or not, you can't use someone likeness.

They have a right of publicity to it.

Well, and then you could also be disparaging, Like in this case, you're showing Brad pitt Is going out and picking fights with Tom Cruise.

So yeah, that doesn't do so well for his image either, So you can see where he'd want to be able.

To protect that.

Plus he does charge a fee to be in films like that.

So if you're just going to take and say, well AI generated it, now, you can't just go and do that.

It's like you couldn't have taken one of his videos before and edited it out.

Okay, now, images created by AI.

There were some artists complaining, now think about this AI.

I don't know how they create an image, but I was told I don't know if this is true that AI goes out and finds snippets of things already created and assembles them together sometimes to make an image, and sometimes an artist can identify a corner of that piece, or the middle of that piece, or a section of that piece that came from one of their drawings.

Does that make sense?

Would that be actionable?

Yeah, it would be if they can prove, which is going to be difficult because AI scans millions and millions and millions of images and basically trains on that and then generate its own But yeah, if you take an AI model and you say, and I think some of these, like chat GPT, you'll even have a limitation on there, Like if you feed it a photo that doesn't belong to you and say, make this picture of the Denver skyline.

Take the picture of the Denver skyline and make it during sunset or make it during a snow scene.

Chat GPT's usually going to ask if you have the rights of that image, because now you're altering an actual image.

But if you're just asking it, Hey, generate a picture of Denver's guyline at nighttime and it got out and it generates it its own image, right, not going to be a copyright violation.

Okay, if you could hold on just a second, I need to take a break.

But I got a couple of texts here I wanted to run by you.

Yeah, and how about if someone's double mark I mean, how.

About like Jesse Jackson died, could I have AI movie with Jesse Jackson?

Now, now he's still going to have right sext and beyond his death and his family, his estate's gonna own those rights.

Do they ever expire?

Like Elvis Presley?

Does that have to aspire.

Yeah, it hasn't yet because Alvis Presley's Estates still actively pursues predose challenges.

But I imagine eventually you get out one hundred years or toil, you go back to somebody from eighteen hundreds.

That's probably gonna be okay.

All right, hang on, I got more coming up on the Troubleshooter Show.

This is fascinating stuff.

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Hey, I'm Tom Martino.

Welcome to the show.

Okay, I got Mark Trenner with US attorney at law for intellectual property.

Mark.

Here's something that somebody texted and wanted to know we were talking about.

For those listening, those maybe just tuning in, we were talking about this newest video of Tom Cruise and Brad Pitt created by AI.

By the way, a video of them fighting.

It's a really good action clip.

But there are other videos we see.

We can see celebrity dancing, we can see them making out, we can see all kinds of weird stuff celebrities are doing and it's not really them doing it, it's their likeness.

And according to right of publicity, people have a right of publicity for their likeness.

Somebody wants to know how close is too close?

In other words, you know what do you do like that?

It's just like with music.

You've heard music like try to knock off Rockies theme and they want to show some triumphant commercial and instead of dan da da da da du dun dun, they go like dun da da dun duh.

You know they you know what I'm saying, They try to do it similarly.

How close is too close?

Mark Trenor, attorney at law.

Yeah.

Really, Uh.

I always tell people, don't even start with the one that already exists.

Come up with something new and original, because if you start with something and then try and back off of that, really what you're doing is creating a derivative work of the original.

And that's where you're gonna get into.

But how would they even know?

How would they even know?

How would anyone know?

Well, I'm just saying when I advise my clients, when they say, how can I start with this and back off?

That's a bad strategy.

Maybe somebody can, Maybe they can't.

That's gonna be too.

Demed later by a court and a jury.

But if you can honestly say I just started from scratch and this had nothing to do with it, I'm sorry that.

You see some overlays and it's still going to come.

Down to a judge and a jury, but it's going to be more in your favor if you didn't try backing off as opposed to just creating your own.

Now the net is filled filled with bots that try to detect infringement.

YouTube all over it, all kinds of Facebook all over it, TikTok all over it.

So when you get too close, their bots determine you're too close.

That's will And you can.

Also send them a takedown notice and if they look at it a lot of the time, they'll just take it down and then tell you to come prove that you were in the right by doing that.

You know, so the actual now here's another one.

You mentioned that AI through ingests millions and millions and millions of images.

Is that correct?

Yeah, I believe they do.

Yet, yes they do.

Here's what I want to know, and somebody else texted it too.

Isn't the mere act of using it to develop AI a derivative or an unfair use of their intellectual property?

They are ingesting millions of intellectual property protected images.

They are, and that's the part that's being contested now, and that's ultimately going to end up in courts to the side on just exactly how much.

But I mean, if you think about too, that's what people do too.

It's not that you live in a vacuum.

You go out and you see a picture of this, You see a picture of that.

You see this movie and then you create something your own, and ultimately it's derived from some of those.

So yeah, where do you draw the line?

The AI is just able to do what people do, but on a massive millions.

Instead of sof so that's actually being challenged.

The fact, the mere fact that they are actually using intellectual property to train something could in and of itself be a violation.

Well, and that's what Hollywood is saying now, Like the Actors Union is saying, hey, you're still using our movies.

Are you using our movie clips?

Are you using pictures of these actors and you're just taking it and putting it through a machine and writing that you.

Don't violate copyright?

And yeah, you still do what they're saying.

But how would they ever, how would the courts, especially with some of this AI training going on, by the way, much of it's going on in third world countries.

Did you know that mark where they sure, Okay, they're going to villages where they used to make a dollar a year and paying them to ingest images, classify them, classify things as vulgar whatever or just useful images, and this in itself is a violation.

But I don't the burden of proof is too much.

I mean, how do you even begin to prove they're doing it?

How do you do that?

I mean, there's just so much you can do in a court of law, right.

Yeah, I mean it is gonna be hard.

But like that video of Tom Cruise, obviously that looks so similar to him.

Okay, I mean I did pull up a screenshot of it, and yeah, it looks just like him, So obviously you got that part of him.

Right.

What about what about voices?

How close is too close for a voice?

Yeah, that's the same thing that all falls under the same right of publicity, a likeness.

Able to control that for your own commercial?

All right, I'm running out of time, but I just want one more short segment with you, if that's so kind, Because someone wants to know, someone wants to know about AI has to be determined in order for it not to be copyrightable.

But how do you determine that if they say, no, A I didn't do it.

I mean, what do we do about that?

We'll talk about that and more coming up on The Troubleshooter Show three oh three seven one three A two five five.

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New need advice so you don't have.

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Is the Troubleshooter Show.

No Tom Martino.

Hey, I'm Tom Martino.

Your troubleshooter.

Welcome to the show.

Three O three seven one three talk seven one three A two five five.

What's going on in your life?

How can we help you?

There's a lot going on.

You'll, I'll tell you this thing.

This thing has me going crazy with the Savannah Guthries.

It's wild as time, as time goes on, you just do you think what happened to say?

My gut says she's probably not alive.

First of all, my gut doesn't.

I don't even know why.

What was the whole idea?

Why why was this whole thing done?

Normally there's a reason, I mean, there's a reason for an abduction.

And I don't believe they've actually ever heard from anyone that's credible to tell people why it was done.

In other words, we took your mom.

You better stop this, you better do this.

We want money, we want this.

Was it was?

And and was she picked because of who she was?

I mean?

Or was that random?

Just the robbery gone south?

You know?

Yeah, it wasn't random?

And and you know so they they did it?

And was it because of Savannah or not Savannah Guthrie being the daughter?

As time goes on, though.

It's getting it's getting less encouraging, that's for sure.

It's discouraging for sure.

And as Mark said, he doesn't think she's alive.

Well, first of all, she needed a pacemaker, and she has other medications she needed.

And remember at the very beginning they were like, if she doesn't get her magic medication in twenty four hours, she can die.

Now, I don't know if that was just a spark someone's humanity, maybe in order to get her back or do something, but or fear.

Yeah, that's a pretty direct statement twenty four hours.

Now.

Authorities do seem to hint that it was an amateur because of that video.

That pros would never ever do stuff like that, not even even with a face mask on a ski hat or whatever ski mask.

They would never ever.

Move like that.

They would know what to do with the camera immediately.

They would come up and sprayed it, for example, with a spray paint or something.

They would have never lingered out there like that.

They said his movements were not intentional, he was trying to figure out what to do as he was doing it.

Plus they said the garbie was wearing likely purchased at Walmart.

And so it was just all very very strange.

What's really weird is from this video they have released not a description, but somewhat they say that they're looking for someone five nine to five ten inches tall with an average build.

Well that's from the video.

He was wearing a black twenty four liter Ozark Trail Hiker backpack.

Isn't it amazing they know that a brand exclusively sold at Walmart?

So do you think they're combing the corporate records of Walmart or something and seeing who bought what?

I don't even know.

If they keep track of what people buy?

Do they mark?

Do they think credit if they can track it to it, Yes, and most Walmarts from what I heard on Fox News, depending on the location, they save from anywhere from thirty to one hundred and twenty days.

So if it was done on a credit card, or if it was done online, they can track it to whatever register it was paid for at and then go to the video with that timestamp.

Wow.

Wow, Plus there was a ten dollars holster.

They said they could identify the hulster.

Yeah, this is right keeps that gun.

That is the wildest thing.

What do you mean where he keeps the gun?

Marks?

A gun?

Right over?

Is junk.

I mean the holster.

Oh oh yeah, yeah, it's not on the side, it's not on the leg, it's just right there.

It's weird.

It was weird, and you know what was the It's just it's fat.

I hate to use the word fascinating because it's not fascinating in a good way.

It's chilling, but fascinating, like just figuring out what's going on.

Do you ever think there will be closure?

Because I think one of the worst things you think there.

Will be closure.

Someone reminds me of because we just watched it not long ago on Netflix.

But to a smart girl, you know, she was gone, it seemed like forever.

I think in reality it was like, I don't even remember how long.

What was it like six or nine months?

Guys Elizabeth Smart, No, it might have been longer than that.

Was longer than they kidnapped her and they made her live up in the woods with him.

I mean, a real wacko guy.

I thought he was a Jesus walking around.

But I never thought there'd be an end of that, And there was an end of that.

Now some people believe that the messaging from the family is being coke, being coached by behavioral analysts are experts.

They're trying to profile the guy that did it, and they're saying, by all you know, they're probably an amateur.

And I don't know how else they're doing it, but they're trying to profile the guy and then have her and the family, her meaning Savannah and the family communicate with these videos and these Instagram posts to the guy in his kind of on his level, so to speak.

They're saying they're not speaking to someone sophisticated in crime.

They don't believe they're they're doing a serious conspiracy here.

They think it's just one random guy that's inexperienced that happened to do this.

The question is why no one knows why.

You know, all of a sudden she's taken home.

Somebody might have been casing the joint and then I believe they believed that somebody entered at about one am and then her pacemaker was disconnected from the app.

And did you hear about this new technology that they have.

I don't know how new it is, but new to this investigation where they were flying around the area with a scanner that could pick up electronic signals from a pacemaker.

They say, even though the pacemaker was disconnected from the app, it still has an electronic signature and some kind of discharge or emission of signal, and they could possibly track the pacemaker.

That's weird, huh.

So they were flying around with the scanner somehow trying to pick up this electronic signal.

But it's as I said, it's crazy.

And I think the worst thing that could happen to a family is a lack of closure where you never ever find out what I have always kind of thought about that with different cases.

Although what's weird about it is.

If there is no closure, meaning you don't find a body, I mean, you must always have a little hope they're still alive, right, where if there is a closure and the body's turned over, then there's no hope.

Yeah, although I would say that with someone this old and frail, that if it goes on for months, they're going to assume she's dead.

Let's face it, they're going to assume it.

They're never going to assume somebody is holding an eighty four year old woman that long family members I think yesterday, which is good.

Yeah, And again I guess I was told whenever there is anything that happens to a family member, a murder, an abduction, or any kind of violence.

Family members are always no matter what, even you know when it comes to husband and why, family members, spouses, siblings.

Chopper, you were a police officer.

I don't think you were actually a detective though right now.

I never had that rank.

I went from patrolman the sergeant.

So is that typically true when you have any kind of homicide just from stuff you heard around the station or dealt with.

Is it generally a family member, like ninety percent of the.

Time or what it's not necessarily a family member, but it's ninety percent they know each other, got it?

Ninety percent of the time the abductor would know who they're taking.

No, I met ninety percent of the time of HOMICIDESM sorry about that.

I'm sorry homicides that the person who does the murdering they.

Know they're random.

That's what's scary, is that DM stuff?

But if she's in Mexico, you may never find a body.

Yeah, yeah, it's terrible anyway.

Three oh three seven one three talk three oh three seven to one three eight two five five.

All right, we got to take a break and talk about whatever is on your mind.

So give us a call and then Mark, uh, you are promoting something in the Springs.

Plus we're gonna be at the home show later.

Why don't you talk about both?

First of all, let's talk about the home show later.

What's going on?

Yeah, well, it's gonna be pretty cool, man.

We're gonna head out there.

Susanna and I are going to head out and probably about forty five minutes or so.

But there's some free tickets still available.

So if you want to get out to the home show, Tom, what time are you going to be out there?

At three o'clock?

Three o'clock for sure.

If you go to excel Roofing's website excel roofing dot com, you can call them up right there.

The phone number is.

They've got probably twenty tickets left.

You can get up to four and you can go to the home show today on those free tickets.

He'll email them over to you.

Then between three and four, Tom's gonna be there.

I'm gonna be there.

We're gonna have Frank durand the real estate man, Brian Burns, Compass Insurance, Jay Brats, Henry Bradt's excel Roofing, Mitch Filaria with the art of Granted, we're all gonna be out there and we're gonna be talking pretty much a lot of different things.

But the really good reason to come out is the roofing and the insurance.

As soon as hal season comes in and that insurance kicks back up again, there's some new products out there that, believe it or not, can lower your deductible.

And we'll be talking insurance with Brian Burns just in general.

But it'd be a good little seminar, don't you think.

Yeah, I really do.

I think it's gonna be great.

And then you have well, we'll talk about this when I take a break, we're and talk about it.

Give out.

I'm pulling up excels number unless you're not off, and it is three oh three seven six one sixty four hundred.

Three oh three seven six one sixty four hundred.

Call them up right now.

Like I said, there's probably twenty tickets.

If you're sitting around not doing anything today, you might as well take advantage of checking out the home show one hundred percent free up to four tickets.

Maybe if your family is a five, they'd give it to you, but they got.

Very very few left.

Three oh three seven six y one sixty four hundred.

Let's take this break real quick, Tom, We got 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 contenth time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one.

Help.

You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two.

Hey Tom Martino here, welcome to the show.

Three all three seven one three talk seven one three eight two five five.

So we have an event Mark is going to be at in Colorado Springs.

Let's plug that real quick.

Mark.

Yeah.

In fact, let me bring up Jordan.

He is with my Moneymweight dot com.

In fact, him and his dad are both going to be down there.

But it's this Thursday at the Chapels Hill AMC fourteen at six point thirty, and we still have a few seats left.

Suzanna and I are going to be headed out there.

What time is the movie kickoff?

Jordan?

And you guys are buying the concessions, right.

That is correct, We're gonna be buying the popcorned drinks.

It's going to be starting at six thirty pm.

And people should really google right now if you were thinking about going, it's one hundred percent free.

You got to go to My moneymovie dot Com.

Get signed up real quick My moneymovie dot Com this Thursday, six thirty.

But just google Baby Boomer Dilemma and you can watch the trailer everywhere.

It'll pop right up and you can watch it.

But it's pretty cool.

We're going to be talking social security.

What's going to eventually happen with that?

Just retirement, safe retirement.

How would you describe the movie Jordan?

Yeah, it's going to basically give insight from the experts themselves, people who created the fore case, the tax codes for Social Security, and really their expertise are what we're going to see coming in the future.

A lot of people don't.

Realize social Security could change.

I mean a third of the benefits could potentially be cut if nothing changes with today's current debts.

So this is what we're gonna be talking about.

At the movie event issues that we're going to see in the near future and how you can protect yourself from the.

What if that could come with retirement.

And they call it the baby boomer dilemma because that's where a lot of baby boomers are.

Tom, I think it was last week you said something and I had to jump on and talk to Groc about it because I thought it was so crazy.

It was the average person having money saved up for retirement.

The number was so small I couldn't believe it.

I think you said it was ninety dollars.

I thought I said it was under a thousand, maybe nine hundred.

Yeah, wow, I mean think about that, the average person less than nine hundred dollars.

And we were talking with your dad Jordan about social security, and what's interesting is it's just a total mess.

Quite frankly, if we could do anything else with that, even put it in a savings account with four percent, we do a lot better than what Uncle Sam does with that money.

You're absolutely right, and that's kind of one of those topics that they talked about it in the movie itself, is what if the government allowed us to have our own control of our contributions from social security and to let it build up somewhere else to the denuity or pitching plans.

And that's what we're going to talk about at this movie.

So please do sign up, get your freaking sessions.

That's this Thursday at six thirty pm down at Chapel Hills, AMC twenty.

Four And that's my Money movie dot com.

Mymoneymovie dot Com.

Go there right now.

Takes five seconds to sign up and we hope to see you out there now.

You want to go to Jim, Tom, Yes, sir, let's go to Jim.

Jim.

What's going on?

Hey Tom, how are you doing good?

What's happening?

Well, I'm curious if you've had any experience with service line warranties of America.

It's a service supposedly covering the incoming water and outgoing sewer line.

Yeah, it's bull crap.

Look, okay, I'm going to ask you something.

Have you ever, in all of your life had a problem with a service line?

Well, it's a very old home we're setting.

You know, it's kind of like a bomb waiting to go off.

But no, it's going to be preconditioned.

Then.

Yeah, most I'm just going to tell you I've read these contracts before service line or sewer line protection.

First of all, they don't cover certain things, and one of the things they don't cover is normal aging.

So there you go.

If I were you, if you want to how much are they going to charge for this?

It's pretty low, but it's about two hundred dollars a year.

Yeah.

Yeah, here's now I want to throw this in.

I have I believe we have Safeco on our house.

I forget, but they actually have a policy I can add right onto my homeowners that is truly real coverage.

That's right.

Those are the best, and those are most economical.

That's what Mark's talking about.

And the same thing with like these things called credit life.

I always tell people whenever you're buying this kind of service or protection or guarantees, it's always best to go with mainline companies.

So if you got to buy a car and they try to sell you credit life, that's the most crazy crap and the most expensive life insurance you can ever buy.

What you do instead is you get a life insurance, a real life insurance policy instead.

So in any case, I, yeah, I wouldn't buy it if it was me.

Okay, But if you're going to buy it, I would first of all insist on seeing the actual coverage, not a brochure, but the actual coverage.

And I would want to also see the exceptions or the exclusions.

Yeah, that's what has made me nervous, because like under exclusions if it's head of smoke or eye test, camera inspections as an exclusion unless they come in and have done it, and I'm like, okay, so I have my plumber come over take a look.

Yeah, that's kind of what I.

Thought, Tom.

I just wouldn't do it.

And again, you know, the chances of anything going wrong with these lines are so small.

Really, there's more of a chance of a sewer line screwing up than a water line correat you know.

So you know that's like I said, it's up to you, but I wouldn't mess with it.

I just wouldn't mess with it.

Thank you, Jim, I appreciate it.

We got more coming up now, man, we want to talk about this woman being scammed out of ten grand from Richard coming up.

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Hi Tom Martino, you're troubleshooter three oh three seven one three talks seven one three eight two five five.

What's going on in your life?

How can we help you?

That's what we ask each and every day.

Now, I'm going to go to Nate in a minute.

Here, Nate, if you can hold on.

He's on hold and I just want to tell him.

But right now, Richard, you have a follow up from last week.

Let me let me just make sure Nate heard me.

Hey, Nate, Uh, I need to take a call before you, and then I'm going to come to you.

Is are you okay withholding?

I want to get okay?

Thank you.

We're getting inquiries and I want to make sure I get you on.

Nate is going to talk about something very very interesting, a class action settlement.

And he was on before but didn't have details.

Now there are many details on how to collect and listen to this.

It comes from years and years ago.

Anyway, Richard, what's going on with you?

You have an update on a problem we took.

When did you call in last week?

How was your wife scammed?

Okay?

So what happened?

Was is She got a phone call and they said that and.

Did did Mark take this phone?

Did Mark take this phone call?

Was it me?

Do you remember Mark took it last year?

You were off last week?

Okay, go ahead, what tell me about it?

You took it last week?

But Mark, oh original call last year?

Oh okay, I'm sorry, go ahead then, uh huh, let's hear it.

Oh.

Anyway, she got a phone call from a gentleman that said that he was with the with with our bank, in your bank or a federal investigation.

Right, I need him not safe in your bank.

We need you to withdraw the money and take it to another bank, hit bank, and deposit this money in ATMs.

She took out twenty thousand dollars cash.

Why did she believe this?

What?

Why did she believe it?

That?

I that's I had no idea.

My wife passed away last November, and I think her marvels at the time.

It's all like, okay, she that's all I.

Now she's now deceased.

Oh that's sad.

Yes, yes, And she took her money out.

She took out twenty grand and where'd she put it?

She took it?

She lost ten thousand of it she deposited in some ATM.

She had to go to three.

Different ATMs, and she wouldn't answer the phone.

I kept trying to call her and call her and call her.

So I made up a story.

What I said was is that when you left, you left the door open.

The dogs got out, they were in the street, they got hit.

Your daughter and your granddaughter are.

Out there with shovels putting the dogs in boxes.

She actually called me back then and what happened then?

I've had to think of something to make up.

Yeah, well what happened then, let's let's hear about this.

So your wife go ahead.

I still had ten thousands.

She still had ten thousand dollars in cash on the seat, and I said, you're being scammed.

Stopped and where did she put the first ten thousand?

Where was the first ten thousand?

Put ams?

Okay, in a different bank?

Got it?

Hey?

So last week I called you and.

Just you were talking about scams last week.

So I called and.

Said, you know what, here's a you guys need this to the PSI to public service announcement about anyway.

When I talked to you last week, I think it was john Ford that was on the phone and I told him and I said, I said to you that, well, I'm just going to put it as gambling losses on my taxes, right, don't write what you what you need to do.

What you need to do is tell them that it's criminal activity.

So I write my taxes last night.

I did my taxes last night, and I told the lady with ah our block and she asked, you looked it up, and she.

Put it in my uh, in my in my taxes and they took ten thousand dollars off.

Of my income.

Wow, are you kidding me?

And I got and I got two thousand dollars back more on a refund.

That is really good information.

Wow.

Add that money to your to your nearly Yeah.

I wish you could have been all of it, but so you got two of the ten at least, so you're in the twenty percent tax bracket.

Yes, sir, yep.

Wow, that is so good to hear it.

Thank you, no, you know what.

Thank you so much for taking the time to call us.

We appreciate it, Richard, Thank you very much.

I'm going to go now to Nate.

Nate, are you there, sir?

Yeah, Okay, Nate somebody called in about you, and then you you gave me information.

You you don't mind it.

We talk about this openly, right, No.

I mean I don't want to go unto the details, which I'm sure most people don't want to hear.

Yeah, and I didn't use your last name.

But you were part of the Boy Scout abuse of children.

You were a child at the time.

How old were you?

I love it?

And you were abused by a Scout leader?

Yes, and their son.

How many years ago was this?

This is nineteen eighty two, nineteen eighty two.

Am I to believe that a class action lawsuit because I'm so ignorant of it?

But when this person told me about you and told me about this settlement, I couldn't believe it.

So there's a class action lawsuit that actually goes back that far.

It actually goes further because at the time we found in twenty twenty, the oldest at that time I believe claimant like me was ninety four.

Are you kidding me?

Seventeen?

So we're so we're going back more than sixty years of abuse.

And this law firm that brought the lawsuit, how do you prove abuse back that far?

How how was it done, do you know in a class action?

Well, you know, there's a much a lot of number of law of law for you know, there were some already pursuing pursuing cases before the Boy Scouts filed bankruptcy, and then some other attorneys that were like restructuring came to you know, got involved obviously because they decided they weren't going to have enough money.

They were estimating that for them to be compensating people at the levels that they were being paid prior to the bankruptcy, the Boy Scouts would have had to come up with somewhere around eighty billion dollars.

Well, that would be impossible.

So as a result, I mean, and by the way, bankruptcy did not get them out of it.

No, it's it's been a process.

I mean, I we had to fall in twenty twenty, and there is a bar day.

Now there's a future claims process.

I'm actually on it now, so I.

Have another document I can email.

Even kind of goes into the future claims because they have a number in twenty twenty.

So if people were not of age out they were not eighteen, they could and they missed the filing in twenty twenty, they could come back as long as they were miners in twenty twenty.

Now that they're adult, sake and file, so it's a problem.

But there's a lot of now they did they have to be Here's what I need to know, Nate, and I might have to continue this and call you back in the next hour because we're going to some breaks and other things.

But I want to ask you something.

Did they already have to be signed up for the lawsuit in order to put in a claim or can they still put in a claim?

They will be able.

To put in a claim with the future future abuse claims, there's a separate there's a trust team that she has, we have a claim to represented for us, and then there's another one for future claims.

Now, when you say future claims, what do you mean by future you mean?

What do you mean by future you mean claims yet to come?

Or what do you mean by that?

Because we all because when they had the bar date it was October twenty twenty.

Anybody that was a minor that you know at that time that could not file in ours could actually then file in the future claim And it's just a different process.

It's I haven't had too much attention to that side, because you know there's a lot of stuff in them.

But I can send you over the actual trust documentary and give you the page when they talked about the Fright.

So people, let me just get to this part.

Then, people who need information on the current claims going back sixty years, where do they go for more information?

County Settlement Trust dot Com.

The Scouting Settlement Trust dot Com.

What are claimants getting?

For example, what would you get in your settlement?

I am nine hundred thousand dollars?

Will you will nate?

Will you actually get nine hundred thousand dollars?

It's likely not that it's going to be in.

What we're getting is increments because they only add about the two point four billion that's like publicly known.

Some of that is from the Boy Scouts, some of the some Harford insurance companies, the the retired judge is running the trust, Judge Howser, She is actually suing ninety one insurance company for about the build them for six point nine to nine billion to add to that two point four billion.

The Boy Scouts are also obviously settling all their selling all their art collection.

They have tons of art and they have oil and gas rights and of course all the scout cant.

All right, I went, I got to take this break.

I went to the scouting Settlement Trust dot com.

It's not coming up.

Is that?

Is that what it is?

The scouting Settlement.

I'm on there right now.

Okay, high doubt.

Okay, I'll look for it.

I gotta go.

Thank you very much for appreciate that very much.

Thank you more, coming right up.

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Ript News need advice, you don't help?

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This is the Troubleshooter Show.

No Tom Martine.

Hey, I'm Tom Martino.

Welcome to the show.

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Welcome.

Jesse was telling us a harrowing story.

Jesse, let me get this straight.

Uh, why don't.

It's with a chiropractor.

Now tell me what happened?

You went to this chiropractor for what reason?

Because I had breast cancer and I couldn't stand up straight from all my surgeries.

Oh my goodness, how are you doing?

By the way, Jesse, I'm a cancer survivor.

How are you doing?

I'm five, I'm about three years clean now, I haven't had any problems, so I'm very grateful.

What wonderful?

Wonderful.

I'm sorry you had to go through it, but thank god your cancer free for three years.

Yep, Okay, So what happened?

Now?

After breast cancer you go to this chiropractor?

What had and how long ago was your first visit to this chiropractor.

This would have been in twenty three.

Okay, it was September twenty three that I went in, and okay, it was in a pretty bad shape.

And so she had a deal where you paid sixty five hundred dollars and you've got all these services, and it sounded really great.

I can't stand.

I cannot stand chiropractice like that.

I like to pay as I go.

I can't stand when they take this big money up front.

And then I could go on and on about it.

But anyway, so September twenty twenty three, you go to this breast cancer.

After breast cancer, you go to this chiropractor, and you spent you paid up front sixty five hundred.

Yeah, and then I was in a place where I needed to decide what to do with some money because I went through so much money with my cancer, and my partner passed away.

He lived with me, and so we did.

It was a mess.

Anyway, just made matters if I took my last money because it was guaranteed of a ten percent return, and I thought this would be good because she'll get me.

What do you mean guaranteed?

I don't get what she said.

If you gave her sixty five hundred up front, you would get a ten percent return?

What does that mean?

No, No, that was just for the services for car practor.

She had a pamphlet on the table that said, if you wanted to invent in the one hundred percent, which is a franchise out of Dallas.

I don't I'm confused, Jesse, I'm sorry.

I want to try to understand this.

When you went to this chiropractor for adjustments, she said, you can invest sixty five hundred and get a return.

That was Oh no, sixty five hundred was only for the car practice Okay, got it?

Okay.

I had this money in my account that I needed to invest somehow, and so it looked like it was going into the one hundred percent as a whole.

Not so.

In addition, okay, so what are you talking about one hundred percent?

What are you talking about?

One hundred percent?

One hundred percent Chiropractic is the name of her.

Oh okay, now I understand.

And she said, do you want to invest in this entire business?

Right?

Well, the pamphlet was on the table.

I was waiting to get adjusted and I read it and it said it was a ten percent and so I talked to doctor Cody, who was her partner at the time, and he said, yeah, you know, it's a really good deal.

And they've been around.

There was one in four Collins, one in Loveland.

They're all okay, and and it's called it's called one hundred percent Chiropractic, that is correct.

And and there was an opportunity to invest in it.

Yes, And so I put in thirty thousand dollars with her and that was in it.

Hold on, that's not part of your sixty five hundred.

That's an additional thirty grand correct, correct, Okay.

All my savings basically I gave to her.

Well, but but you did it on your own.

She didn't.

You're the one that picked up the pamphlet and you said, I want to invest, right right, But I.

Thought it was going into the one hundred percent franchise, not.

Hurt Where okay, where did it go?

It went into her own private practice because she had one in Fort Holland, or she had one in Loveland, and she had one in Aurora, and so she had two of them.

They were is she is?

She is?

She?

Okay?

Is her office one of the one hundred percent chiropractic offices.

It was now she changed her name because she abandoned all of those patients in Loveland.

She put a sign on her door and basically left.

And how do you know, how do you know where your thirty grand went?

It did not go to that national friend franchise.

You're saying, Nope, it did not.

It went into her own and then she filed bankruptcy.

On me, and.

I was fighting, are saying, no, this was not right.

This is And I even went to the owners who founded one hundred percent, which is Jason and Vanessa.

And what did they say?

What did they say about this?

We don't even know you.

We didn't loan you any money.

I said, well, your company was your name on the door.

And what's the name of that woman who is the chiropractic the chiropractor you went to.

What's her name?

Her name is doctor Yachty?

Why a hdi?

Doctor Yachty caught it?

Why why a hdi?

And what's her first name?

I think her first name is yacht.

It might be YACHTI because she's got like three names Cotto.

Anyway, I just always called a doctor.

All right, So doctor Yachty, let me get this straight.

In September of twenty twenty three, you go to a chiropractor named doctor Yachty after breast cancer.

Okay, you paid up front sixty five hundred for adjustments.

There was a pamphlet about investing in one hundred percent chiropractic.

So you invested thirty grand thinking it was going to the national franchise, but instead doctor Yachty kept it for herself.

Correct, Oh my god.

Yeah.

And when I got ahold of the owners of the franchise and said this is wrong, and I mean if I would have had money for a while.

Now, now, okay, how did you find out that it went to doctor Yachty?

Because I had the contract and everything, and she's on there.

But it says one hundred percent, which is hers, which was her own franchise.

But the way she had it set up, it was not with the owners.

It was not with the franchise itself.

As a whole.

Okay, okay, yep.

First and then she also never gave me mind.

Now, what did she say?

What did she say you were getting for this thirty grand when you were investing in it?

What did she say you would.

Get ten percent return return?

She did the contract say that, yes, yes, And and did she say her practice was growing and all of that and she was going to be really I mean, you didn't obviously know she was going bankrupt?

Why did she go bankrupt?

Did she have a lot of people after her?

Do you know?

I think she got too big, too quip, She had too many offices, just trying to run both of them.

Okay, here's what I want to know.

When did she go bankrupt?

What year?

How long ago?

When did you invest the When did you invest the thirty grand?

Was it back in twenty three?

Yes?

Okay?

And she filed?

She filed the next year, I believe.

Anyway, she quit paying her payments, and I have all the emails and everything saying you know what's going on, and she just, you know, put me off and put me off, and then I like, are you going to file?

Brains?

I mean, this is you know that, this is my life savings.

You knew I lost my husband, you knew I have got breast cancer.

You can't do this, and she did.

She sure did.

And so I got ahold of Vanessa and Jason that founded that they had like a hundred different doors.

Yeah, pretty much.

So sad, we don't we don't know you.

We didn't do anything with you.

I said, well, your sign is on the door.

And so when I went back, you know, to talk to Doctriotti, it was closed and there was an eviction notice.

The center a mall, a really nice place over by Shields where she had her office, and it was closed.

And when did she close?

How long ago did she close?

So she closed.

Timber or chance, No, maybe it was January of twenty five.

I think she closed though, right before Christmas.

But that's when it was official, January of twenty five.

That's when the sign was on the door, and I have pictures of that too.

So she went bankrupt in twenty twenty five.

Yep, and put me on the bankruptcy And that's when I said, this is not this was not personal.

Okay, Well you should have said it was fraud and there and it would have gone.

I mean, did you did you appeal to the trustee?

Yes?

I did, and he and they didn't even send me paperwork.

He sent me an email.

I have it, but I did not have anything hardcopy or anything.

Say, and I got that.

And so so you've been trying to collect this thirty grand back.

Yes I need it need it, and it really messed me up financially because.

I well, of course it did.

Of course, no money money worked because of my cancer, and so all in all, it's just been a horrible nightmare.

And I just kept telling her, you know, I don't want to, I don't want to make this go public, but I will.

And so I put it on a Facebook forum that hey, has anybody else been taking advantage of by doctor Yachty?

And I got some responses and I have their name, but she has basically patient abandoned a lot of her patients around Loveland and Johnstown.

She just took off.

And where is she now?

Do you where's doctor Yachty?

Now?

Do you know Aurora?

And she's changed their name, Well.

She changed the name.

What is the name of her office in Aurora?

Fine by Design?

Well fine, fine, Fine by Design.

And she now operates a clinic called fine Fine as in finer Things of Life, that fine.

Help fine like your spine, like your back, like.

Oh spine, I see, spine by design?

Got it?

And that's in a.

You know, she was your her bankruptcy was discharged, right, I mean, as far as.

I know, I actually was in such a bad way.

I got a job and stuff.

I got really super busy and I kind of put it on the back burner and I kept like emailing her lawyer and emailing her and if she even tried to get money from my friend after she knew she was in trouble.

I have those emails that she said was does your friend want to invest another thirty thousand?

But basically as as it's just like if McDonald's has somebody own a franchise and they do something, McDonald's itself is in trouble too.

No hold on now, now, hold on, Jesse, Jesse, listen.

Let's let's say on.

I got to take a break and we'll analyze this.

I want you to hang on, and Jesse, please hang on because I have important information on that.

Where you think that you're going to get from one percent design, it all depends.

That's why I have to ask you a few questions coming up, and Jesse, I will take you right after this, but I have to also talk to Deputy Dimitri at the home show and all of that's coming up on the Troubleshooter show.

K and Age Home Solutions will be on the show tomorrow.

They have K and H Painting pros as well as part of their services.

Now you can depend on them for painting Khwindows 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 checkup free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three O three seven 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 here, Welcome to the show.

Three oh three seven one three talk seven one three eight two five five listen.

I'm gonna go back to Jesse in a minute.

But for if Jesse please hang in.

I got to go to Deputy Dmitri at the Denver Home show.

Dmitri, how is how are things going?

Set the stage for us?

Please?

It is really cool, What a fun show, what interesting exhibits?

Thank you for the ticket?

Mark and Tom?

Yes been here?

No maybe you know they opened at noon and I was waiting by the door when they opened.

So I've been hanging out here for about an hour and a half.

I'd say there are at least three hundred, maybe four hundred exhibitors hbitorsh wow, and they it is, you know, everything you can imagine, everything from God, hot tubs, which seems to be over represented here.

I saw countless dozens of hot tubs.

The landscapers.

You know, if I had to pick the best of show category, it would be the landscapers.

They really went all out.

They have these huge displays made of those decorative cinderblocks and pavers films.

Yeah, all of them have running water, like like waterfalls and like little creeks and little rivers.

They all have real flowers, real plants.

But everything else, you know, the closet organizers, the kitchen, cabinet refinishing places, probably a million roofing companies and basement refinishes.

Everybody you can think of is over here.

I picked up some cards from really really interesting exhibitors.

Good and Hey, I mean it's a blast.

Yeah.

Is it called the Denver Home Show?

Is that the actual name?

Now?

It's called the Home and Garden Show.

God and the Home and Garden Show.

Yeah, it's at the convention Center.

The tickets are pretty reasonably priced.

I think Mark paid about seven point fifty for mine.

I think that's all it was.

And it goes I believe it goes for at least another week, go somewhere into like you know, the February twenty something.

But you're you're about to enter a major remodeling job.

So does it have plate?

Do you get great ideas?

You know?

Personally?

I didn't because I already knew working with Genesis Exteriors, I already knew what I'm going to go with.

You know, I already know that they're going to remove the bathtub and put in a large walk in shower.

I already know what cabinets I'm going to get, so personal, I've already done the shopping.

Okay, you're still not sure about you know, what color sync, what color cabinets?

Where do I buy the closet organizers?

Whom do I have refinished my floors?

There's a bunch of those companies here.

There are about one hundred roofing companies.

It's amazing.

But water filters, faucets, heating systems, air conditioning, there's even a handyman service that's set up a booth, So it is definitely cool.

You can walk around and for a long, long long time and not get bored over here.

Okay, because we're going to be down there later at the excel Roofing booths.

Oh okay, they have a huge display.

They have a ginormous display.

They must have had four or five employees walking around over there when I walk past them.

Yeah, excel Roofing, it's been there.

They've been doing the home shows for years.

They do a great job.

And so but so what you're saying in a nutshell is you're going to get every category of home remodeling and renovation inside and.

Out, and also repair and maintenance.

Like you know that service that used to be called mud jacking for driving panels that are yeah, it's still in.

General called mud jacking in general.

Yes, okay, yeah, there are three or four of those booths.

I so none of them have the word mud jacking on them anymore.

But but it's like even for repairs, there are painting companies or basement refinishing companies.

You know, people ask me if I need some.

More insulation in my attic.

It's that sort of stuff.

So yeah, yeah, for remodeling.

It's also for general maintenance and repairs and upkeep of your home.

And the yards man, they're outdoor kitchen displays, hereat there are like you know those pergolas and you know, yes, yes, so there are those, and some have the kind of roof kind of like louvers.

You can flip them closed if a training and it's just I mean, it's been a blast.

I did meet, you know, the two most interesting exhibitors I saw here was very unexpected.

There were both wildlife rescue and rehabilitation centers that don't charge for their service, and they take everything from frogs to squirrels to bunnies.

And one is called Greenwood Wildlife Rebilitation Center.

They're up in Long Mind called Northern Colorado Wildlife Center, and they're over there in Fort Collins.

And I was talking to the ladies man those booths, and one of them rescued and rehabilitated and cared for fifty three hundred little animals last year.

Oh my goodness.

Yeah.

Yeah.

The other one is about sixteen hundred last year.

And they don't charge for their service.

They operate on grants and donations, and I've got all their cards, so we can schedule them for call ins so that we can kind of ask them to discuss their organizations whatever.

I would love it.

Yeah, look for that.

I'm glad you have your eyes open, Dmitrie.

Look for interesting interviews.

We'd love to do that, and Dmitri, So basically what you're saying is, if you're remodeling, if you're renovating, if you're doing anything or maintenance, repair and upkeep, it's got something for everyone.

It really does.

And there's something for everyone.

Is substantially different from what you would find at home depot because here these are the people that actually install and maintain and fixtyse things, so you can get an idea from them.

Not only does what the faucet or the blinds cost, but what it would actually cout to have them installed.

You know, got it?

Got it actually costs for a new heat exchanger for your home.

It's that kind of stuff.

So that's why it's substantially more valuable than just going to the hardware store and picking out a new faucet.

So, Dimitri, before I head down there, I need to know do I need to pick up food before I get there or do they have food there?

Yeah, when you walk in, you're gonna get hit in the face with this huge smell of cinnamon buns.

They have all kinds you can buy.

Those you can buy.

I mean there's a whole little snack area and a coffee stands now you can you don't need to bring your own food.

You can just you can just eat here if you wanted to.

So that's pretty good, Dimitri.

Thank you.

I appreciate it.

They have table set up.

Yeah, so I'll call it a little bit later and I can even come back tomorrow if you guys want me to.

Well, I don't know, we'll see.

I'm gonna meet.

Are you going to be there when I there at three?

No, because well the show is over at two, and uh I might step by a little bit later today to say hi to you guys.

I wouldn't try.

What do you mean the show's over at two?

What do you mean it's over at too?

It was a Tom Martino troll your show?

Okay, okay, you scared me, Okay.

Anyway, Yeah, I'll be coming down there in around three.

Thank you, Dimitri, appreciate it.

Okay, I'm going to go back to Jesse because this is incredible and I am getting text about it as well of other people that may have been scammed.

So stick around on the Troubleshooter Show to find out what's going on.

Three oh three seven one three Talk seven one three eight two five five.

Speaking of the home show, what about Gravinas.

Gravinas has fifty lines of windows, fifty of them, along with numerous lines of siding indoors Gravinas dot com or three oh three Gravina three oh three Gravina.

Go with a sure thing Denver's Best roofer Excel Roofing dot com.

You don't pay a cent until you're content.

Time for an insurance checkup free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three o three seven to seven to one help.

You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three three nine two zero sixteen twenty two.

Hi Tom Martine here, welcome.

I want to go back to Jesse.

Jesse says, you know she's a cancer survivor.

She went to a chiropractor back in twenty twenty three, and she not only paid upfront for chiropractic adjustments, but was talked into basically investing thirty grand into the chiropractic clinic, which promised her a ten percent return.

She said, what she thought she was investing in is a franchise of one hundred percent chiropractic.

Now one hundred percent chiropractic is a national franchise or marketing group whatever they I don't know, or licensing agreement, but anyway, the bottom line is after this local clinic.

There are a lot of one hundred percent chiropractic clinics, by the way, and after this one clinic went out of business and filed bankruptcy With her thirty grand, she thought the national franchise should be somewhat responsible.

The question is why.

She said, Well, if somebody with a McDonald's franchise did something wrong, McDonald's would be held responsible.

Well, if there was a negligence claim for bad chiropractic or bad Hamburgers, they could theoretically hold the franchiser responsible along with the franchisee.

However, when you have a contract entered into, for example, if an individual McDonald signed a contract to supply sweeping for the parking lots, maybe an individual or snow removal, and they were nigged on that contract.

The National McDonald's franchise has no idea what contracts their franchisees are entering into.

So I don't think one hundred percent Chiropractic had a contract with you.

I think you may have a very difficult time trying to collect your thirty thousand dollars from the National franchiser because all they did was signed up this chiropractor, and this chiropractor, doctor Yachti, was simply one of their chiropractors.

Now, if you had substandard chiropractic care, that would be one thing.

But if you entered into a contract with doctor Yachti for an investment into her private practice, I don't see how you can hold the National franchiser responsible.

I don't think I know what you're trying to do.

And I understand you're desperate for your money and you're trying to go for the deep pockets, but I don't think you're going to get it.

Have you consulted any attorneys about it?

No?

I don't have any money too.

She took all my money and I was broke and nobody wants to take you without any money.

Obviously, Well we would start, well, we'll look into this, okay, because I think I have I have.

Emails from her saying, here's the pamphlet attack which that pamphlet, my friend, is the whole corporation that she said.

I get that, But Jesse, Jesse, listen to what I'm saying.

Okay, if doctor Yaidi Yachdi personally signed a contract with you, it doesn't matter.

It doesn't matter if it had the entire one hundred percent chiropractic on there.

How can those people be held responsible if they knew nothing about it.

In other words, you're saying, just because one percent chiropractic was was was her practice, that they should be responsible.

But think about that.

I mean, if a guy from McDonald's signed something for his local store, the national franchise is not held responsible for it.

It just doesn't make sense to me.

You're saying, because she she had you sign some paperwork, is that correct?

Correct?

But on and on that paperwork, on that paperwork, did it say you were investing in the franchise, the entire franchise operation or just that franchise e.

Well, that's where it gets confusing because it also is one hundred percent chiropractic, which is as a whole the franchise and also her two different businesses that she rans.

So she doesn't really specifically say, but the thing is is the pamphlets on their tables that they lay out are investments with the franchise as a whole.

I get what you're saying.

You're saying, you're saying there was there was a pamphlet there inviting people to invest in one hundred percent chiropractic.

Okay, Now what you're saying is then you expressed interest and she diverted you to investing in her one hundred percent chiropractic individual clinic.

Yep, that is correct.

Okay, now I get that.

Now let's just use some reasoning.

How could the national franchise ever be aware that she was doing that?

In other words, how can they be responsible for her doing that?

Well, I would say, as just like I told Jason and Vanessa, the founders, your name is on the door, your name is on that pamphlett, and she is representing you as a whole, and so somehow or another they have to be somewhere responsible.

I mean, they have those pamphlets made up for their comfort for their franchises, and then.

Jesse, I'm not going to be able, Jesse, I really, you know, being a cancer survivor, Listen, I identify with you, and I feel bad that this happened to you, and you were at a very vulnerable time and you needed to invest your money.

And I'm going to tell you right now, I can't help you.

I can't go after the national franchise and expect them to pay unless somehow this contract was signed by them or they knew about it.

Just because they gave pamphlets to all of their chiropractic offices.

You're saying somehow that makes them responsible.

But it doesn't.

If I put out a pamphlet to invest in something that I have and somebody misuses it or cheats me or excuse me, cheats other people, I can't be held responsible for that unless I did something to tribute to it.

What the best we can do is make some phone calls for you to see I mean, will investigate whether or not they were involved in this transaction.

Do you think they were involved in it?

Well?

I had a lot of different emails back and forth with them and their lawyers, and yeah, which they basically just said, hey, we don't know you, right, you know, but I just said, and I got some you know, I know lawyers.

But it's okay, Deputy Dollars back in the studio, Deputy Dollar, I see you there shooting the bridge with the Okay, listen, I want you to look at just just try to get a copy of this contract she has.

And just see You've done a lot of business here.

He's a retired accountant, and I just want to know if there's anything at all in that contract that might tie her, I mean, or the national franchise to her.

I don't know.

I mean, let's just see, let's just see.

Okay, So if you could, I'm gonna here's what I'm going to do.

I just hate to send you away without trying to help, but I won't hold out much hope that the National Franchise is responsible.

But here's what I don't understand.

Why did they let the bankruptcy go through?

Do you know were there any other investors protesting the bankruptcy with doctor Yachty or not.

I have no idea, and I have emails to the lawyer, the bankruptcy lawyer as well, stating that I didn't get any information.

He said, well, you had your time and we didn't hear from you.

And I said, I want to see those emails.

You know, all the way around, they have not included me or informed me of things that were going on.

And they say, well, did she include you?

If she included you in the bankruptcy, you should have been notified of your rights.

Did she include you in the bankruptcy?

Yeah, but I wasn't notified and I had.

Did you?

Well, how did you know then you were included?

Because whenever I finally said I'm going to get a hold of the troubleshooters, They're like, well you were you had your time on the bankruptcy.

Oh so you truly you truly never ever ever were notified about the bankruptcy.

No, that's wrong.

Okay, hey Dollar, let's look into that aspect of it.

I have to take this break, Jesse, hang on, I'm Tom Martine.

We have more coming up.