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This is the Troubleshooter Show.

No Tom Martin, Welcome, Welcome, my friends to the only show of It's caad.

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Got Deputy Doc here.

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Three zero three Martino.

Maybe you got a contractor maybe you got a bad landlord.

Maybe you got a bad dentist.

We've had bad dentist.

Yes, I've told the story before, I'll tell it one more time.

The guy was so mad because the woman bounced to check for her son's orthodonics.

It was ninety nine bucks a month and the check bounced and the braces.

You listening to this, Jordan, the braces we're starting to cut into the kid's gums and you wouldn't adjust them because she bounced to check.

Of course, single mother.

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And countless millions that we saved people just by listening to the show being telling him what to do and not do.

It'd being posed possible to calculate that, but you're right, Doc, probably hundreds of millions if you think about it.

We had one not long ago.

This guy walks in to one of these new ATM machines, a bitcoin ATM machine in a liquor store, fifty thousand dollars in hand, and he starts uploading the money, and you use a barcode and that's the account to cash goes and pretty much once it's in the machine, it's in the machine.

So we have seen it all.

By the way, Jordan Keano, he joins me with my money myway dot Com Jordan Hara, You've been doing, man.

Doing great, doing great, getting ready for this holidays, and hopefully everybody that's listening is gonna have blessed and beautiful holidays themselves.

Yeah, I hope so, Man, this time of year is kind of crazy.

It' see either people very happy their kids are back from college, or you know, the winter break, or people skiing, or we get a lot of calls this time of year with people in need, people that simply we had one a week ago.

Guy got thrown out of his hotel.

I mean, you name it.

So this time of year can be very bad for people too.

But in general, I like what you just said.

I hope everybody out there is having a good season.

Now, Julia, what's going on with you?

Julia?

Hi?

My name is Julia Harris.

I'm a thirty four year old disabled veteran.

I am a single mother of two children.

Due to my chronic illness dystemicscrosis, I'm having issues being able to move properly and walk and write, so therefore I have not been able to work the hours I've been able to work.

I have a very physically demanding job.

I'm a cook out a daycare and I am now being asked to move out of my house.

By the end of this month, we were able to get back gate caught up, but now I have to figure out the cause.

Hey, Julia, what is that diagnosis you mentioned?

What is your ailment?

Systemic sclerosis otherwise known as sclare dermo.

It is a I've been told it's like a multiple thing, different kinds of diseases.

So, I mean, it's got to do with your back, right, your vertebrae?

Is it?

No?

No?

What is it?

Doc?

And it's an auto disease.

You got to hit the on.

Yeah, it's basically a autoimmune autommune disease where it's what's you get thickening of the skin and capsules on the organs?

Got it?

So?

So, Julia, when you first started falling back on rent, was that because you couldn't work enough hours?

What happened there?

Correct?

Can I work enough hours?

I was holding two jobs, technically three, because I was still in the army and because of my disease, the Army has honorably just charged me because I'm no good to them.

I'm not gonna end.

I had to quit my other job because it was correctional officer.

When is your lease up?

When is the actual lease up that you're in on this house.

So we are in a month month con and because I fell short, we no longer would like to keep the contract going.

So now I need to move by the end of this month.

So you are one hundred percent caught up now or you're saying you could get caught up.

I am one caught up now to get out.

I'm just looking for a sistance with security deposit in first month's round.

I'm not so sure he can't re I'm not so sure they can do that.

Hey, Kelly, let's get Brad O'Brien on.

I want to ask Brad this.

For example, Julie, if it was a one year lease and you were caught up by the end of the year, you didn't know anything so the financial part was handled, they would not be able to simply not renew the lease.

So I'm not sure why just because it's a thirty day maybe it is though maybe anything.

Maybe it's got to be over twelve months the more I think about it.

But I want to ask our attorney, Brad O'Brien, is he going to rent it out to somebody else or he's not going to move into the property or anything.

Right, right, he's going to rent it out and get actually like a year long lease commitment from somebody.

And how long have you been there?

I've been mentioned February fourteenth this year, so.

You haven't even been there a year.

I have a feeling a lot of that's going to equal somewhat bad news for you.

But I do want to get our attorney on Brad O'Brien and let's just ask them what rights you have and kind of go from there.

So I'm going to put you on hold, okay, hold tight.

Soon as I get him on, I'll bring you back up and we'll try to get to the bottom of this.

And if my suspicion is right, he does have the ability to well not really a vict you, but not renew the lease.

The other thing I would like to do is have someone attempt to reach out to him and try to tug on his heart's strings or something.

Would you like that as well?

Due to the.

History that we've had with one another, I no longer want to conduct business with him, So.

You don't even want to be there?

I now, yes, okay, So so how can we help you?

Then?

I thought you wanted to stay there.

That was my bad.

No, it's okay.

I'm just looking for any kind of assistance whatsoever to help me find a new place.

How much can you afford each month?

I have a stipeen, so I'm paying roughly like fifteen hundred a month for rent because they pay my other half.

So your total rent needs to be under fifteen hundred or at fifteen hundred.

At least twenty seven hundred because they'll pay half and then I'll pay the other half.

Oh that so you could afford twenty seven hundred bucks a month?

Yeah?

And what kind of place are you looking for?

And do you have a criminal background?

I assume not because you said you're military.

Correct, no criminal backgrounds.

I'm looking for a three bedroom, two bathroom, has a yard because I do have dogs.

Of the dogs, yeah, and in Castle Rock.

All right, on a second, I got a better idea.

We don't need Brad O'Brien.

You know what I would like to ask Brad that question, though, Susanne, I do have a question for him, but we don't have to have Julia around for that.

Let me put you on hold, Julia.

Let's get Denver real estate moguls on.

How many properties do they have?

Do you know I left?

I left abruptly last week when they were in.

Sean Jullian, let's ask him, Jillan.

Get him on.

I want to see if possibly first of all, twenty seven hundred I assume she's right there.

That sounds like a three bedroom house, possibly in castle Rock.

But let's figure that out.

Maybe we can literally find her a house today.

That would be totally awesome.

One line open three zero three seven one three eight two five five Terry and Dane, you guys hold tight issue with title work on a truck and the issue with an apartment rental.

We'll get to the bottom of all that and a lot more right after this.

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

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

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

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

All right, three oh three seven one three eight two five five.

I've got one of our experts up.

Julia called in and basically she's got some medical issues, but she gets twenty seven hundred bucks a month for rent.

He's looking for a two or three bedroom house.

So I brought up Sean Jilliland.

Now did I say that right?

Sean?

I swear to God I will never get your Shawna.

This is sues here.

I said it was Gilliland.

Yea, you're rights.

I've heard yeah, okay.

Yeah, no, no big deal, Mark Gilliland.

This happened life.

Yeah, you were in last week and I never got I never got to the point where we were going to be kind of interviewing you and talking about what you do.

But he's with Denver Real Estate moguls.

So Julie is on.

I'm going to lock you in and bring her up.

First of all, I want to ask you this, twenty seven hundred bucks a months.

What does that get you these days?

As far as a house, we could.

Still get a house for twenty five you know, twenty you know, twenty seven hundred months.

You're looking at she will be three bedrooms to bash.

That's what she's looking for, something in Castle Rock, right, Julia?

Yeah, so so how does that work?

Tasha?

Actually my business partner, Tasha, who was in the studio last last week as well.

She she live in Castle Rocks.

Oh cool, she's very familiar with that area.

Can you guys, can you put Julia get her on your radar, give her a call up, see if you can't get her hooked up with what she's looking for.

She's got a landlord right now.

You probably know the answer to this question.

She's been on a month to month and house she's at now.

She fell a little behind, but she's one hundred percent caught back up.

Now, Julia, how far behind did you get?

What was the worst?

Six one hundred that's roughly about three months because the right is three thousand at that house?

And how would you convince somebody like Sean or his partner or someone that you wouldn't get behind again?

What has changed?

And Sean be be very candid, How does that?

How does that look to you?

When someone's looking for a house and they were three months back, they got caught up, but they were three months back, you know, Wow.

I think we just some different aspects, you know, like talking to the landlord for example, seeing exactly what they say, checking the references, looking at her history and looking at her credit and all all of that stuff together.

Really Okay, what kind of credits where do you have, Julia?

It's very low.

It's like a five thirty six.

Does that kill it?

Sean, I just don't want to waste your time more.

Yeah, which, you know, it makes it much difficult, much more difficult, you know, I mean, because we do have to protect the interest of our clients and stuff, you know, and you might be able to find something where somebody's going to take you know, maybe an extra security deposit or something, but then you got to come out of pocket for more money too.

It definitely it shows you how important it really is to keep your credit up there because that can definitely affect your your rental prospects.

Now, if you're if you go into section eight, if you can qualify for Section eight, they can't even if the Section A person applies that you can't check their credits.

You wouldn't You wouldn't qualify for Section A, would you, Julia?

I would?

I'm actually on the wait list Sean, can I ask you, I am on a homes for Veterans subsidy plan, so they pay half my rent?

Does my credit still apply because I'm on the shallow of subsidy.

Don't give a voucher either, So I know a lot of places have rejected me now because they need a voucher to show that I'm part of this program.

They don't give a voucher, but I do have like an onboarding welcome letter stating that I am in this program.

They are going to pay half my rent and for how long they're going to do so.

So let me ask you, Julia credit, We were they paying half your rent at the old house when you were three months back?

Or no, they were.

But this year is the year that my illness, disease whatever have gotten the worst, and I haven't been able to work as much.

I think, Sean, what do you suggest, first of all, answer the question that she asked, have you dealt with this VA partnership she's in with?

It's very possible, and I can't say for sure.

I do believe we do get.

A truck from one at least via organization.

I can't say it's a it's the same one or not.

Tosh actually deals with that, so got it.

He would be the one that would know that.

But it's very possible that it's the same one.

Let's do this, Julia.

First of all, go ahead, Dimitri, you had a question.

Yeah, Sean, you know there was a brief discussion of credit scores.

What is what would you say, is the minimally ideal credit score for somebody who's looking for an apartment, you know, through your through your agency.

Or where's the fu Yeah exactly, So.

Like the minimally idealest with you, we really don't have, you know, a credit score that automatically disqualifies anybody.

Automatically the entire package.

But just in general, I would assume six point thirty and over is okay, it's or something.

Yeah, you want to see at least in the low six hundred.

It's really let's start to get in the five hundreds.

That means they they've had some problems in the past.

World, Well, do me a favor, give me a solid on this.

See what you can do for her.

She's got twenty seven hundred bucks a month she works.

In fact, she just got dishonorably or I'm are you honorably discharged.

What were you in?

What service?

Julia?

The Army reserves.

Yeah, she was in the reserves and because of her ailment, basically she was discharged.

But would you talk to her and see if you can help her out, either through traditional methods that you would or maybe you got something in your back pocket, you know what I'm saying.

Yeah, you know, especially since she's a better I mean, we're always happy to try to help a veteran as well too.

I love it.

The other thing too, is.

If you do need a three bedroom.

Julia, Yes, I need a three bedrooms?

Yeah, because I was just gonna say, because the two bedrooms in the one bedroom.

There's just so many more on the market right now, just because they bumped so many one bedroom and two bedroom apartments on the market over the last year.

So yeah, they're everywhere one or two bedroom.

There's a lot more out there.

The three bedrooms, it gets a little bit tougher.

But it's it's also that's why the apartment is hard for me.

Yeah, apartments suck if you got dogs.

So hold on a second, let me put her on hold.

Hey, Julia, Shawn's number and I want you to give him a call.

Seven two zero eight four to one ten twenty one, seven two zero eight four to one ten twenty one.

And once again he's our expert when it comes to property management.

He is a property manager.

So hopefully that works out.

Sean, you said something that piqued my interest, though.

So we're flooded everywhere I drive now, driving from frank Down down to the Tech center every day and vice versa.

Is amazing how many apartments are coming online.

They're everywhere.

It looks like a whole city at C four seventy and Lincoln now that not even half of them are open yet.

I mean, is this gonna drive prices down big time?

Seen a drop?

I would we've seen.

This is the slowest rental market.

I mean, it's usually one side of the market's doing well, on one side of the market's doing bad.

I mean, either sales are up and renters rents are down, or vice versa.

Right now, sales are down, rents are down.

It's just stuck in general.

And.

I think so many people are on the fence waiting for interest rates to literally drop them for that whole market shift to happen, you know, And so I think it's just affected both and.

You don't think it's supply and demand though that much.

Yeah, that's the other thing.

So they dumped a ton of apartments on the market, one and two bedroom units, and so it's just we have a ton of supply right now of one in two bedroom units that we hadn't had in the past.

And so that's a whole other thing that has you know, obviously contributed.

You know.

Then then we have the demographics and the supply and demand issue of the millennials are I don't know, nine million bigger than the baby boomers, and so they need to buy houses, you know, and they're not affordable necessarily, especially with the interest rates being so high.

So that demand is just sitting there.

But that's why they had to raise interest rates so high and keep them up so long to try to bring prices down, try to bring demand down.

But that demand is really just sitting there on the front.

It's crazy.

Man.

Hey, I appreciate that, and I appreciate you, uh, attempting to help Julia.

Let's see what happens here.

Keep us in the loop on that once again.

That's Sean and you can reach him.

Denver Real Estate Mogul seven two zero eight four one two.

Maybe you're sick and tired in Colorado of being the landlord and you want someone to handle every aspect of it.

That's Sean.

Give him a call.

Seven two zero, eight, four one, ten twenty one, Real quick, Terry, what's going on with the title on this truck?

Oh?

Yes, good morning, monk, good morning.

Been at home and let's thank to you guys for over forty years.

Wow, I was ten good work.

I appreciate that.

But Terror, what's going on real quick with this title?

Then I got to take a break and we'll come back and solve it.

What's happening?

Yeah?

Sure, So back in October, real quick.

I got a medical emergency.

I've got cancer.

I need to get the title to my trunk so I can give it to my daughter so she can sell it and move on.

Okay, how do I do that?

Well?

That sounds easy.

Hold on, I mean I can't imagine where the snaffoo or where the problem is here.

If it's a lost title, well I'll tell you.

We'll figure it out after this.

And then Dane, he's gotten a problem with an apartment rental, might need Sean again.

And then Vivian, this one's interesting issue with lotto genius.

What the hell is a lotto genius?

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

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

Time for an insurance check up free, no obligation.

In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one help.

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

Three seven one three eight two five five one line open.

You've been ripped off for taking advantage of man yesterday.

I was just talking about it during the break.

By the way, if you go to YouTube, type in Troubleshooter Network you can watch us and hear us uh during the breaks.

A lot of people like watching the show that way.

Man.

It was like, uh, hell day yesterday they had that attack over in Sydney.

I think fifteen people did.

Did you see that video where the good guy, the Muslim guy, went after the other guy and got his gun away and started shooting at him and the other guy's on the bridge.

I thought he was going to take out the good guy.

Then I'm looking at the good guy trying to get the bad guy killed, and I started thinking the cops are going to show up and think the good guy's a bad guy.

But it all well.

When I say it all worked out, I mean it all worked out as far as this guy stopping it.

That mark what the worst case scenario just described actually happened here in Arvada a couple of years ago.

There was a scumbag who murdered a policeman and a good Samaritan came out and shot the scumbag because he was legally carrying a gun.

The good samaritan was Yeah, the mistake the good Samarian made was that he approached the bad guy after he shot and picked up their rifle, and the rest of the police arrived saw him with a description.

They already had a description of a bad guy's rifle.

They killed him.

It was through no fault of the police, and it was a very tragic, tragic The guy's name was Johnny.

Something that's crazy.

You would think that would happen actually more than it does.

Well, you know a lot of people, just a lot of people don't do anything.

Absolutely, you always wonder how you would react.

I'd like to think I would jump in and get involved.

And I have a feeling it's one of those deals.

If it's a kid or a friend, or your spouse or your parents, you know, somewhere along there, that's one reaction.

If you're somewhere and it's a totally different one.

I don't know how i'd react.

Well, I reacted.

I was with a friend of mine saying goodbye to him.

We've been studying together and he's, you know, a big guy, and we heard some noise in his Stallwell, run over there there's a guy dragging a woman the raper, and two of us fought him and held him till the police came.

How long ago was that I.

Was in medical school.

Wow.

But the point is I don't know how I would react.

And if my buddy Mark wasn't.

With me, if you both weren't there.

It was with the two of us, it was sisutaneous.

Think of them just and the more surprising something is, the more you don't know how you'd react.

I'll give an example, that Batman thing, that freaking movie in a roar that guy like comes in from like kind of behind the screen or the side and just start shooting in an action film that's got all kinds of noises going on, you don't know what to make of it.

I would love to think I would get directly involved and do something.

I just don't know.

I honestly, god don't know.

I don't know.

Yeah, I think you find out in a fraction of the second when the balloon goes up.

You don't even think about it.

Yeah, you find out what you're made of.

I've always said this something weird on a plane.

I'd be all over it.

You see videos where like four or five passengers you got some knucklehead trying to open the door or something that kind of thing.

I would have no problem getting involved instantaneously.

I mean, hey, everybody, let's get this some of a you know what I'm saying.

Three oh three seven one three eight two five five.

So, Terry, you want to give the title to your truck to your daughter?

Is that correct?

Yes, so they can sell it or they're gonna drive it or.

What so she can sell it and give the money.

Okay, Well that's very nice of you.

So why can't you just give her the title?

Is the title lost?

It's the title not in your name.

Now the title's in my name, but I don't have it mark.

I don't know where it is.

Is it in Colorado?

Is it like a Douglas County deal?

Where is it?

What?

DMV?

Denver?

Denver?

So basically I think you still have to make an appointment for Denver, which is absurd.

I can walk into Douglas County and be seen in a matter of minutes.

Does anybody know if it's still that way in Denver?

Why?

Yeah, I just had the misfortune of having to register a new car a couple of months ago.

It took me up no exaggeration, five trips to DMV.

Why Well, So here's here's how it happens.

First, you got to show up and stand in line to take a number.

It took me about an hour and a quarter to take a number.

Once you take the number, it takes about another hour and a half to two hours for your number to be called.

But you're not allowed to wait inside until your number is called.

You got to go back outside.

They text you or something, Yeah, he text you, and then you have a couple of minutes they have.

Like one DMV in Denver.

Now, well, so this is this.

I went to their main DMV in five Points and they have did you get rugged?

Uh?

Not yet.

But there were ten windows.

One lady was working one window, some guy was sitting around reading his computer at another window.

That was it.

And that was it.

Five trips Mark.

Yeah, that thing is Mark?

Say something?

Yeah, go ahead, Terry, you called.

Yeah, well the reason I'm selling in the truck.

He's going.

I got diagnosed with stateful cancer, Terry.

I don't have that much longer.

What kind of cancer is it, Terry?

It's said the stomach.

You poor guy.

Yeah, our prayers out to you.

Man.

That really sucks.

Yeah.

Are you disabled around?

I can't be running around to DMV.

I'm in a hospital bed right now.

Okay, you can't be run around.

I asked you.

If you had disabled and you go to the MV, you go to the front of the line.

Yeah, you get admitted instantly, unless you're in Denver.

Oh no, in Denver, no, you know.

I personally saw a lady with one of those like tricycles for her broken leg.

Yeah, she had to stay in line along with the rest of the place.

Hey, Terry, you do have the title right or you're saying it's lost.

No, it's lost, it is lost.

Well, they'll reprint you one right on.

Well, see once again, I don't know about Denver.

After hearing this nightmare, if I walk into Douglas County, generally speaking, within ten minutes, whatever I'm in there for is handled, and one of those has been a lost title and they simply reprinted it right there, and I left with it for five bucks.

I would say this, Terry, since you're giving it to your daughter, I would have your daughter go down and wait in line.

They don't care.

I don't think they would care because they're not changing the name on the title.

They're simply reprinting the title for you.

Hey, Mark, I mean I just put into Google can you request a new car title online in Colorado?

And it says yes, you absolutely can request a new duplicate car title online in Colorado.

You see, if you can knock that out for him, I don't.

Mind doing that.

I just need the information, Kerry, hold on, we might be able to do this for you right now during the show.

That would be the best way to handle this.

Three oh three seven one three eight two five five.

We're gonna have two lines open, run right now, three oh three, Martino, get that call and Dane, what is going on with this apartment rental?

Are you the landlord?

Dane?

I think Dane's watching sound like cartoon?

Use this, hey Dane, I'm here, Yeah.

What are you watching?

Out of curiosity?

It sounded like cartoons?

Old school today?

So watching the Disney program?

Got it evented.

What's going on real quick with this apartment complex?

And then we're going to take a break and we'll talk about it as soon as I come back.

What's going on though?

That's basically what we see as an illegal eviction.

We have no idea what happened, what transpired.

We went to court.

Everything's supposed to be renewed.

So you've been to court for the eviction.

My wife has a couple of years.

This was about a year and a half ago.

Are you still in that?

Are you still in the property we're talking about now?

Hearing gone, that's about a That was, like I said, a year and a half ago, and I got get there from the one we kind of migrated to.

It's just been a crazy.

Tise, so you might you're facing another eviction now already happened.

Uh, we got behind like the previous lady.

Yeah, you know, but they wasn't as patient with us as you know.

The moment we got caught up, they decided to go through proceedings over a three hundred bucks or fami me.

A six wow, hold on a second man.

Hopefully week, Hopefully it's not too late.

But it sounds like they already got the eviction.

Maybe we can help them get another place or something.

Holy moly, it is eviction day three oh three Martino two lines open three oh three seven one three eight two five five day, and I promise I'll come back to you.

Then Vivian has got a problem with Latto Genius and I'm still not sure what Dad is, but we'll find out.

Along with a lot more, go.

With a sure thing Denver's Best roofer Excel roofing dot com.

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

Time for an insurance check up free, no obligation.

In comparison, call Compass Insurance, pay too much your coverage at dozens of insurance companies.

Find out now three oh three, seven to seven to one help.

You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance.

Three oh three nine two zero sixteen twenty two.

All right, three oh three seven one three eight two five five.

We're gonna see if we can't help out Dane and Vivin.

You'll be next.

I'm not sure who's on one, but we'll know in a second three oh three seven one three a two five five one line open.

So Dane, you guys went through an eviction a year and a half ago because you kind of fell on tough times, but now you're in the exact same boat again.

Oh yeah, yeah, correct that, yes, sir, the first time that sitting there happened at all.

This one is a little more understandable because of my my, you know.

Well, how long is the lease?

Let's talk?

Is this one before I even dig into the lease?

Has this one already gone to court and it's done, it's over.

The sheriff's going to be there.

Good, most recent on.

Yes, we're currently in the hotel now, yes, oh my god, we're about about what two weeks?

So what are you looking for?

Now?

Are you looking for an apartment?

I assume, oh.

We're looking yeah, I'm a we have some things that we can't really like build on, expand on because of our finances right now.

But yeah, that's that's kind of a.

Well how much money do you have per month?

I mean I I go ahead, Susan.

Well in May of this or no, May of twenty twenty four.

The notes are last Thanksgiving.

His Chevy Duramax was stolen.

Is this you Dane?

He recently went to court to do an eviction and saw his stolen truck in the parking lot.

It was registered as stolen.

He called, is this you, Dane?

Or is this a different Dane?

That's not me?

But that was the major reason why I have a vehicle broken into and they had like right off my property?

What was my property?

Is that him or not?

Though I'm missing that Dane?

Did you call last year?

That is not me?

Okay?

But you had your vehicle stolen where.

It was broken into and they took out a bit.

What happened was they bled over the original money order that A had story in there, and I went to get another one and then they sent out the demand for compliance.

Because that takes about when you're re tracking.

When the money order, it takes about you know, a week and a half, you know, yeah, and then they do.

But this has already been adjudicated, right Is this done?

And over?

This what you're dealing with right now?

You're done and over.

Now you're in a hotel or a motel and you're looking for a place correct?

And how much can you pay each month?

And what are you looking for?

Various because of the type of work I do.

I don't what kind of work do you do?

I'm an electrician, okay, and so my work is I don't get fired.

Is this when it's done, it's done?

And you know the company I'm wing on they're waiting to hey day.

When you say you're an electrician, what does that mean?

Are you a journeyman or are you like a full blown electrician?

What does that mean that there's a.

Different story in itself.

I'm supposed to be a journeyman, but I've been the company I was previously, didn't have a master leticisan to sign off on them in my house basically have to start.

So okay, I mean there's a lot of companies out there.

I assume someone like fix It or Plumbline.

These guys higher I mean usually they're looking for people.

I don't know about electrical right now, But why is it so hard to find a job?

Well, for the most part, they're looking for what they called the license of electricisms, people that are journeymen.

Yeah, now I'm printed and they can get those pretty much, Diamond.

Yeah, it's a license guy.

Yeah, and that maybe the reason of trying to find.

Maybe it's time to find a different job.

Yeah, I was, I was thinking about it.

I don't I'm how old are you?

I'm in my forties, man.

So I mean you got plenty of time in life to switch up.

I mean, what what do you think is going on basically with you and your circumstance.

I mean, really, you're basically doing the same thing a year and a half again that you did a year and a half ago.

Honestly, I feel like it's targeted from past mistakes.

Man.

Next, I was four months unemployed and where we had moved to four months Why unemployment?

And that's just the way to work until it was going Like the jobs that we're getting they were you know, the offers I was getting were like for twenty twenty one dollars an hour.

I have a familey of stick.

So it's not.

Yeah, but that's that's a hell of a lot better than zero an hour.

I mean, once you go through unemployment correct, And once.

I was realizing these things going on, I just decided to step it up.

And that's what I've been doing since then.

So where you working right now?

I'm still electrician, okay.

But you're not working every day all working every day?

I just work at Knight's currently, all right?

And how much do you think you could actually pay per month for an apart without falling behind?

Again?

I can probably get around when it's just me.

I'll pray, make play around three twenty three without following behind.

Do you have a spouse or do you have a significant other that works as well?

I assume with six kids, someone's got to be watching the kids.

Yeah, see he's a caregivers he uh.

You know, God, you guys are in a motel right now with six kids?

What?

I have four children?

Yeah?

Four?

So six of you.

Man, that's that's gotta be tough as hell.

What is it like two queen size beds or something?

I mean, really, that's got to be just tough as hell.

How old are these kids right now?

There are twelven.

Under twelven under yes, sir.

Oh okay.

The way the circletraptes work is like from you know, we have this plan.

Hold on Dan, Hold on, Dan.

I am fascinated by what's going on there, and that a minimal Suzanne, and I wanted to you something for the kids here, but we gotta find you a better living condition if possible.

I can only assume you're telling the truth and getting your act together.

Hold tight, and then, Vivian, we already got an updated Julia coming up.

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News.

So you don't have.

Run anxiousnessass cam.

Shooter's gonna help coming man.

This is The Troubleshooter Show.

No Tom Martino, Welcome, Welcome to the only show of it's kind.

We're here to solve problems, answer questions, take complaints.

Our goal is to try to make your life a little bit better.

We got one line open three zero three Martino three Zho three Martino.

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Waterpros dot Net now let me kind of paint a picture here.

We're going to have back to Dane.

We've had two people with apartment issues.

But poor Dane, he got evicted a year and a half ago.

There's six of them living in a hotel right now or a motel, and I don't know what we're going to be able to do for him with two evictions on his record.

But if someone out there has maybe a basement or something where a family of six can live.

He's an electrician by trade and he is working right now.

But you know, it is what it is.

They fell on hard times.

The kids are twelve years and younger, and there's four of them.

Of course, with that many kids, I would assume as spouse can't work.

And then Julia, she called this morning and she had a problem.

We put her with Denver real estate moguls, but she's got another issue that we'll get to in a few minutes.

And then I'm still dying to know what's going on with Vivian and Vivian.

I promise soon as I finished with Dane in a second, we're gonna go ahead and pull up this issue with Lotto Genius in studio Jordan Keanu.

We're gonna be talking about retirement throughout this hour a little bit too, Jordan.

It's a big deal out there, man.

You know, people start getting anxiety the closer they get to retirement.

It's kind of scary thinking, Okay, I have this certain lifestyle.

I'm used to getting this paycheck every two weeks or every month or whatever it is.

I'm just used to it, and boom, all of a sudden, at one point, it's not gonna be there.

Yeah, it's gonna It really does bring up anxiety.

So some of the things out there with annuities now are magnificent.

In fact, I would personally say everybody, and I mean everybody, well most people, people that have some form of retirement, for a one k ira whatever it looks like a percentage of it twenty five thirty five percent should be in an annuity.

That is my opinion.

And I mean that having that guaranteed money.

In fact, we'll even talk to Deputy Doc.

At some point, Deputy Doc took a big lump sum of money and you didn't want that, anxiety, Doc, and you bought an annuity that was almost immediate, right.

It was immediate.

It covered my mortgage.

Yeah, I could sleep at night yep.

And it was an incredible deal.

And you can't outlive it.

It's gonna be.

The it goes up a minimum of three percent every year.

Yep.

If the stock market has gone more than three percent over the past year, I get.

Whatever the stock market has, it can never go down.

So it started at thirteen hundred, it's up to two thousand and.

L that's incredible.

And once again, though, that payment of two thousand a month will never go away till I die, till you die, if you lived one hundred and twenty, you're still getting it.

Absolutely yeah.

And it's AIG.

So they're not going away either.

No, AIG's not going anywhere.

God.

If they went somewhere, oh my goodness, I mean like everything would be gone, you'd take you.

That's like if it woke up and Walmart disappeared.

It'd be like there's something going on in the world today.

By far.

Hey, Dane, I'm not sure what we can do to find you another place.

If anybody out there does have a decent sized room for rent, or a house or an apartment, you can afford how much per month?

Again, Dane, you said maybe what fifteen hundred and two grand?

I forget.

I'm sorry, Yeah, around two thousand, But I'm really not looking for helping that regard.

I'm looking for help and as far as getting like the investigation onto what caused the first one with my wife?

What caused?

Whoa?

Whoa?

Whoa?

What caused?

What?

Yeah?

The person one was the two editions.

One is in my life name?

She was under the.

Yeah, but what do you mean you wanted an investigation from a year and a half ago?

Didn't you say it through court?

We were no, not this one the most recent went okay, never went to court, winter court one time.

They they were in the after resolving and then come on to the doors, like literally removed the doorknobs from the locks.

We call the police.

Well, you're basically saying you're you're making the accusation it was an illegal eviction?

Correct, Well, it very well could have been.

But it was a year and a half ago.

What what would you possibly do at this point?

We've been waiting for answers for that time.

We've been from who.

From the actual people that victed us.

But why would they answer anything you have to say when they kicked you out?

I mean you would have to hire an attorney to go after them.

And that's what we've been trying to do.

We haven't had any success in any regard as far as.

Why, But what do you try?

My god, you've got to explain this part to me.

Why are you going back in time a year and a half.

Well, the reason why it's because we're being My wife's being investigated for fraud.

Now, great of wait, Dave, she's being investigated for fraud.

That has something to do with a year and a half ago in an eviction.

It's something that's what we're trying to find out.

Well, okay, you're you're making you're starting to make no sense to me.

So who is looking at your wife for fraud?

Who who's accusing her of fraud?

Let me let me the place where we were at before is Muller Income Housing?

Okay like section eight?

Correct?

Okay, all right?

The thing is my wife's always worked with that time any Okay, the people around her, and they got upset.

They get upset.

I don't know what, Well, who are these people around her?

Uh?

I guess other residents said?

You know, I have no idea what that whole situation was about.

Situation, So what happened did.

Did the government get involved and pull her voucher because they said it was fraudulent?

No, with no vulture.

It was.

What we think is going on is that they were upset with her getting into the place in the first place, because they we've had nothing but animosity.

But you're talking a year and a half ago, right, Yes, sir, what is the relevance of it?

Why are you fixated on this?

Are the cops or anybody involved in your lives right now due to something that happened a year and a half ago.

Like I said, my landlord this time previously, he notified me that there was an investigation going on for a frond with my wife, and I'm like, what's going on?

And so that made him look at me suspicious because he was the one that gave us the place in the first place.

Right, So they started looking at uf suspicious.

We're literally don't know what happened.

I wish I could take you answers.

Okay, So if we pull your wife's criminal history spotless, you're gonna say it's spotless, spotless.

I say it's spotless.

We're doing it.

Hold on, get get Suzanne, get whatever information I want.

Both their info and then I want to run a background check.

I want to know what the hell we're talking about here, because he's got me so lost.

Can anybody pieces together?

Dmitri?

Do you have any idea what this investigation from a year and a half into fraud has to do with anything going on now period?

Besides you're pissed?

Yeah, I do have an idea, which is it's completely irrelevant to this man's matter at hand, which is he and four kids are stuck in a motel room and he's fixated on some bologne that happened a year and a half ago, whether it was just or.

Or what happened a month ago he got evicted again to shut the door on his past, and I mean, like right now today and start providing for his family.

Yeah, so, Dane, I want to go back to you real quick here and we will run that background check.

But I am trying to figure out what are you trying to accomplish right now by even talking about this from me a year and a half ago?

Okay, there you go.

Okay, So my issue with this is like, like we should be entitled to some kind of lawsuit or something.

That's that's my angle.

You should be entitled to some kind of lawsuit because a year and a half ago you guys fell back on the rent and got evicted.

Oh sir, that wasn't the original one was not anything to do with rent.

Then what was it over?

What was the eviction over?

It was over my wife and not getting along with neighbors or neighbors not.

I have no idea.

I still don't know.

Hold on, I gotta take a break, Vivian Julia Hold type one line open three oh three Martino.

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Now back to Dane real quick, let me lock him in.

But Mark, I'm gonna bring you up.

You've got to comment on evictions.

We've had a couple of calls today on him.

What's your comment, Mark, And I've got day up with us Mark, Yes, what's your comment?

Non evictions?

Mark?

The evictions that we're seeing down here in Pueblo are is if the property or homeowner doesn't fix issues that have been found during an inspection, yep, and they'll no longer be able to partake in the Section eight vouchers.

So what they're doing is they're just evicting the people and hopefully they can get a regular tenant.

Wow.

You know, Denver is kind of doing the same thing.

In fact, you have to have some kind of a license now pernal and they send in the gestafo to check it out and make sure everything's good.

You know what I'm saying.

I didn't know Pueblo was already doing that.

You know what drives me nuts?

Go ahead, Mark, We've had two We've had two friends that got evicted because heating issues in their apartments that they were living in and because the property the owner wasn't going to think that they couldn't take vouchers anymore.

Yeah, So it's kind of a double edged sword, like you want to heat the work, of course, but you don't want to be out on the street.

I mean it's kind of crazy.

Yes, yeah, you know that's well, maybe that's why that person's being investigated.

You know, all of a sudden, the property.

Owner couldn't take their certificate for Section eight, and they're thinking they did something.

Susan, did you go with us?

Did you go with me to that hell hole down by Rockies Auto years ago?

Did you go to that?

I believe so, Oh my god.

I called Denver up and we were going to have the whole place shut down.

There was people living in truck toppers.

There was people carrying buckets of water back and forth.

That was their water.

There was people that didn't have electricity because they were living in a nineteen seventy five Scooby Doo van.

It was the worst place I ever saw.

They actually took single wides and partitioned to where there was three different units than they were running those out like with the community bathroom.

It was the most illegal piece of crap park I ever saw.

I call up Denver, I get them involved, and one guy calls me back.

He goes, well, I guess we can shut it down.

I wonder where all those people will go, though, And I started thinking about it, so I dug into it.

I said, well, what do you mean by that?

He says, there's nothing else for them.

They much rather have that little hell hole where at least they can lay their head down at night in the same place and feel somewhat safe.

Now, I didn't feel safe there, in fact, one of those partition ones.

Do you remember what they found in it, Susanne, I don't.

A dead body that had been there for two weeks.

That's when the call originally came into the show, and I said, there's no way this could be real.

And I went out there and it was real.

Is real?

God, But I learned a big lesson.

Yeah, Denver could have shut him down.

But all these people, and we're talking fifty to one hundred people, even some with small kids.

Why they could even have small kids living in a truck topper, I have no idea.

But it was better than living on the street in the middle of the winter.

No matter what, it was better than that.

So there wasn't much we can do now.

Dane, I'm not quite sure where to go with you, though.

I don't think you should even think about what happened a year and a half ago anymore.

I think you need to figure out how to get an apartment, get the kids and the wife out of that motel, and kind of move on from there.

Brother, I don't have any magic number of anybody that's going to go investigate your landlord from something that happened a year and a half ago.

Okay, that's kind of where I was a, yeah, you.

Need to move on now, saying that I do want to do this, Kelly.

I want their information and the sexes of the kids twelve, give me the different ages, and Suzanne and I are going to get some gifts, and I want to be able to get them over to that motel before we split down.

So get whatever information we need and we'll go from there.

I'd like to do that for your kids to day, No big deal, just say they're from you, guys.

Whatever.

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

We've got a ton cooking, Vivian.

I want to know what lotto genius is.

Then we got to take a break, but we're gonna help you.

What is lotto genius?

Well, hey, thank you for taking my calling.

I'm up here in Maine.

And now when you say Maine, is that Maine Colorado?

No, Maine, you're at the state of Maine.

How did you start listening to the show?

Did you live here?

Yes?

I did, and I lived there until two thousand and three.

Listened to Tom Martinez every day.

Very cool.

And when this, when this problem came up, I had.

What I did was I was trying to make h I wanted to win the lottery.

Well me too.

So all of a sudden, this thing pops up and it says lotto genius.

When you say pops up?

Or what was it like on Facebook?

Marketplace?

What?

What do you mean pops up?

It was on it was on I think it was on Facebook, Okay.

And so this advertisement pops up and then what yes?

And so I clicked on it.

And at that time they were talking about how they could predict the lottery numbers based on certain formulas.

Sure, and then they showed you, and so I found for it, paid them a one hundred and fifty five dollars, which was a deal from one hundred and ninety seven.

Oh and with all the money you could win, I mean, my god, I know that.

Was just like a drop in the bucket.

So let me tell you, Mark, it was like only three weeks I was able to access their website, and then and then my spectrum shut it down that it was that.

Your internet thattrum our cable.

Yes, it's our cable provider.

So they shut them down, Meaning what does that mean you can't go to their website anymore?

That's right, Well, what is their website?

What is the website?

Because they feel like they are harmful to me?

Yeah?

But who wait a minute, hold on a second, cat, There's so many layers to this.

I have never heard of someone like Comcast or Infinity or Starlink or any any Internet service deciding to stop showing a website.

Am I the only one?

Now?

I'm not talking about criminal stuff.

Maybe this is criminal, but I've never heard of like the actual ISP getting involved.

I can't wait to dig into this a little further.

Right after this break, I promise we'll come back.

Maybe we can help you get your one hundred and fifty bucks back.

But I myself, you probably didn't realize this.

You probably didn't, Vivian, But I just crunched the numbers talking to you, and this power ball that's going on out here right now is one point one billion dollars and I ran the math, and all I have to do is purchase two hundred ninety two thousand, two hundred and one, three hundred and thirty eight tickets.

I'm sorry, mill two hundred ninety two million, two hundred and one thousand, three hundred and thirty eight tickets for two dollars each, for a total bill of five hundred and eighty four million, point four, four hundred thousand dollars four, five hundred and eighty four million, four hundred thousand dollars.

And I could, if I was the only winner, take one point one.

That's guaranteed money right there.

No, you can't take that's it's five hundred million in cash or one point one and an annuity.

But the bigger question mark is we're you going to store all those tickets?

And how long will it take you to calm through them to see if.

You want to probably make me do it?

Funny funny enough, funny enough, they actually go on to say, and when I say they my own thoughts, my own thoughts, the people in your voice say their people in my head go on to say that this most likely would never happen because of exactly what you just said.

You're not going to find a place from now until the powerball where you could possibly have all those tickets printed.

No, you're not gonna find it's insane.

Now, okay, here's the only here's the worst part though, if someone else, when you're done right, you're you're cooked.

What else if you split it by four?

Now you're half a half a billion dollar investments?

Looking a little foolish?

Now, how about if it was scratch tickets?

Well, what about scratch?

I don't know.

Hold on, Go with a sure thing Denver's best roofer Excel Roofing dot com.

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Of course, type in Troubleshooter Network.

You'll find us live, and we're here all the time.

We're talking about the lottery right now.

But we do got one line open.

I want to give that number of three oh three seven one three eight two five five three oh three.

Martino, you've been ripped off taking advantage of We want to hear from you this deal though with Lotto Genius.

She sees something on face Book, an advertisement for it.

She spends I believe, she said, Vivian, you said one hundred and fifty bucks, right, one hundred and.

Fifty five dollars in the kicker is mark is that they're the only reason that you are connected to Maine is because their newsletter comes out of Aurora, Colorado.

But everything else is shut down.

There's no phones, there's no way.

How do you pay for it?

How do you pay for it.

By by my credit card?

Well, why don't you just dispute the credit card?

Call it done, call it over.

I did, But they won't.

They say there's no way to return my money, not by PayPal, not by certified mail, not by stop a new card.

Vivian, so you put it on a Visa master card?

I assume.

Yes.

And then how long ago was that.

That was?

In September, but then I had to change cards because of this.

Well, what do you mean?

When I disputed the change and I tried to give them my new I wanted to tell them that I had to change cards.

Then all of a sudden, sorry, we can't give you your money back.

Vivian, You've got my head just confused.

So help me out here.

It's only a one time charge.

It's not per month, right, or is this per month?

Well?

I paid one hundred and fifty five, and then I started getting another charge of twenty nine to ninety nine every month.

Okay, stop, and I don't know where it was coming from.

That's when you called the credit card company.

Yes, that's when I told my bank there's a problem here.

And then what did your bank check down?

Did they reverse it so you got a provisional credit?

No?

They did it?

Why?

No?

No, because I didn't be because I got a new card.

And then I disputed the charge of one hundred and fifty five dollars.

Okay, did you get that?

No?

Why why did they not give you your money back?

I don't know, Mark, somehow, I don't know.

Is the car the card?

It doesn't it, but it's still the same bank, Doc, I mean, oh.

I know, but that's they're saying that the card was discontinuing.

What kind of credit card was it, Vivian?

It was a debit card through my credit union.

That's why.

When did you when I saw these weird charges.

Vivian hold on a second Vivian.

Vivian, it's a debit card.

Did you actually give a pin number?

Or you used it like a credit card?

I use it like a credit card.

Okay.

So then you called up after you saw this twenty nine dollars charge, You called up your credit union and you told your credit union my credit union, and what did What did they say?

They just viewed those two charges and gave those back, but not the one hundred and fifty five dollars because it was on a different card.

Okay, but it was still through that credit union.

Yes, sir, so, Doc, you actually nailed that.

So here's what we need to do.

Doc.

Would you nailed the place I sent you guys the address in Alara, Colorado with the newsletter?

Don't I don't care about this genius thing.

You got to handle it through your credit card company.

You need to be able to get that back and your checking account or whatever.

The debit cards connected to what what is the name of the credit union, Vivian.

It's Cboard.

I haven't heard.

It's in Herman, Maine.

Am I going crazy here, Demetria?

Or does this sound like a pretty simple damn thing?

I mean, she changed credit cards, I get that big deal.

It still goes back to the same account it's connected to.

Yeah, in fact, I personally had that experience just a few months ago.

How did you handle it?

So it was on a debit card, just like hers, and there was an unauthorized charge on it, so I disputed the charge.

I also had them deactivate that debit card, got to lace it well.

Eventually, when I got my money back, it was credited to my account, even though it originally went out on a different debit card number.

When Vivian, when you talked to your credit union on the phone about the one hundred and fifty five dollars, why do they say they will not give you a credit, or at least a provisional credit.

Because the company was flagged as harmful?

Okay, God, that's the entire reason the protection for the credit card exists.

That doesn't make sense.

They're saying, oh, it's a bad fraudy link company.

Therefore they're going to keep your money.

You have no protection, Vivian.

That made zero sense to me.

Mark, I can offer a little insight.

I think Vivian conflated two issues.

The flagging came from her internet service provider because they identified this as a scamp.

Wait.

Wait, is that what you're saying, Vivian, Yes, sir, okay, so once again.

Then your credit card company when it comes to the one hundred and fifty five dollars, why do they say they won't give it back to you.

Because it was on a different card than I fell for it?

Okay, let's do this.

Let's do this.

Go ahead.

Have you gone down to your credit union in person and sat down with somebody and tried to explain it face to face?

Probably not, rather than on Mathew, Vivian, No, I guarantee you if you do that.

Is there a branch near you?

Well?

That has to because I mean your credit union.

I belong to a credit union with one location in Tulsa, Oklahoma.

Okay, I just is there is there an office near you?

Yes, go down there in person, face to face?

Can you go down there today?

Like right now?

That way we've We've got two hours in fifteen minutes.

Here's what I'm saying.

If you get down there and they're not going to give it back or explain why, we'll get involved right now, well go throw some sweats on it.

Go oh okay, leave.

I can't leave my client.

Can you all right?

Hold on, I'm gonna do this, Deputy d Would you have a three way conversation clause Deputy Dimitri just left the building.

Would you please have a conversation with her, Yes, and the credit Union of course, and figure out exactly what they're saying, because the entire reason for the protections from Visa Masscard discover Amex is for exactly this fraudulent.

The company's fraudulent.

They're they're offering something that they can't even give.

They're saying, you can get to the website.

No, she can't get to the website.

And the other thing I do want to say, we're going to help you off off air, hopefully you know today, Vivian, after the show whatever, Dimitri's gonna call you and we're going to try to figure out what direction to go on this.

And he's very good at this stuff.

But in the future, if someone is telling you they can predict the lottery numbers.

No one can do that with the exception of like what I was talking about is where you buy every single possibility of where the numbers can be.

Do you know what I'm saying?

Right?

Right?

So, let me just ask you some question.

Why does the newsletter that comes out of a Roar Colorado not matter to you?

Answer that, give you a location where these people might be working.

I already looked up the location.

It's a fulfillment service.

It's not an office.

It's shipped offers, which is a fulfillment service.

They mail stuff out for you.

I also looked up a lot of Genius, well with a Colorado state you know the state Secretary's office.

Sure there is no registration for a lot of Genius.

Yeah, so it doesn't seem to exist.

It's an absurdity.

That's why you have a credit card, and for people listening, that's why you don't use PayPal, and you don't use other things.

You never use a wire transfer getting a wire transfer back is it's impossible.

Shouldn't you really not use your debit card?

Mark?

Right?

I want your bank account, man.

But at least and never ever I don't care if you're at King Soupers, don't put in your debit card pin number.

There's things out there that can read them.

Simply don't do it.

Maybe at an ATM that would be about it.

And I'm even leary you that I simply don't use a debit card.

Well occasionally, all right, three oh three seven one three hold on Vivian three oh three seven one three eight two five five.

So for the one point one billion dollar power Ball once again, you'd have to buy two hundred and ninety two million, two hundred and one thousand, three hundred and thirty eight tickets at two bucks each, totaling over five hundred and eighty four million.

And then to your point, Dmitri, Yes, what's my point?

Your point was, if you took the annuity, you would get the full amount, but if you took the cash you would only get it's like a five hundred and three.

Yeah, so you lost money right off the bat.

And then if anybody else won with you, anybody else had the same bright idea and happened to have half a billion dollars they were.

Going to be using.

You know, I mean, I don't know any I know people with money, but not a half a billion dollars.

So and if that happened, then you'd really be screwed because you'd be split in the five hundred million.

Now you only got two hundred and fifty million, you're out a quarter of a billion dollars.

Don't you have to pay tax on that?

Also?

Oh?

Yeah?

Plus doc, very good point.

Then you've got to pay at least probably half in taxes.

I would guess why wouldn't let let me ask you guys something?

Uh, Jordan, you might know about this simply because you guys sell annuities.

Why do people always take the cash?

I got to take this break hold.

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All right, look, I ran up against the clock.

What can I say?

We got two hours to go, that's for sure.

Two lines open.

Get your calls in now three oh three Martino, Julia Vick, You guys are up next, I promise three zero three Martino.

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Ripped of.

News need advice, you don't help, come running just as as as we can.

Show Shooter's gonna help Come ma.

Is the Troubleshooter Show Now, Tom Martinez, Welcome, Welcome.

My friends to the only show of its kind.

We're here to solve problems, answer questions, take complaints.

Our goal in life is to make your life just a little bit better.

We've had all kinds of topics today.

We've been talking about gambling.

How that came up, and we're trying to get one of our experts on by the way, Eric Reinomere.

He's an accountant by trade that we've known forever, but I'm hoping we.

Can get him up.

I have got moreultiple questions now on gambling in taxes, and I really would like to understand them how they all came up.

As this poor lady got suckered into getting a subscription to this gambling Genius or lottery genius program that she saw advertised on Facebook.

She paid one hundred and fifty five dollars and then they started charging her twenty nine dollars a month in addition, but they charged her one hundred and fifty five bucks because apparently they know the lottery numbers, they know you know how to win, which is like, I'm not going to get into that aspect of it, but I mean it's crazy.

I think I rather believe the Farmer's Almanac when it comes to gambling than I would this freaking thing for one hundred and fifty five bucks.

It's absolutely crazy.

Now, I want to tell everybody real quick about Paul the Waterman.

It's incredible.

He literally has listen to this.

Paul literally has systems that costs less in the competition by fifty sixty percent.

You can get a whole house filtration system, no more of those plastic chemicals in your water anywhere, including the shower, a whole house.

It's going to get rid of the chlorine.

It's going to soften the water, which will help the pipes.

And here's the coolest part.

You also get a reverse osmosis point of view system at the kitchen sink.

All that for less than forty six hundred bucks.

You're not going to find anything close to that for less than ten grand.

Suzanna and I got one of his systems.

Got It's been in about three years.

We love it.

Paul the Waterman his website waterpros dot net, water pros mark got net.

Yes, we have Eric Reinobron, but he is limited in time.

Hey, Eric, I'm glad I can get you real quick.

Help help me out and help me understand how gambling works now that it's legal in Colorado.

Through these apps.

If if I win ten thousand dollars in any given NFL season, what has Colorado charge me on that.

How does that work?

How?

How does it work?

Yeah, if you have gambling, if you have gambling winnings, you're gonna get a ten many nine into the air and it's tax income.

Yeah.

So but when I go to Vegas, unless I bet over ten thousand dollars, there's no paperwork involved.

So in Colorado it's simply not the same.

If I bet five grand and win five grand on a football game and then cash out, or even don't cash out, they're going to give me a W nine for that five grand, right, Yes, Now what ms If I lost five grand in Las Vegas the month before?

Does that?

Does that even steven?

It?

I have losses?

Yeah, you can.

You can take this way where you can take your losses up to the amount of your reported winnings.

So, yes, losses, you get the net amount.

So you get the net amount.

I can't figure out, for the life of me why I ended up paying taxes on two things in Las Vegas from two casinos because Mallory, you know, Mallory.

Mallory told me simply, I'm not going to be able to offset it, and I don't understand why I got to ask him.

I got to ask him and understand it, because that's not what you're saying.

You're saying you can take losses for the amount of winning.

So why wouldn't anybody if they won ten thousand on a W nine in Colorado betting on the Broncos this year, and there's probably lots of them out there, why wouldn't they simply say I lost ten grand on a slot machine in Vegas in January.

Yeah.

Well, now I'm talking about as a federal level.

Maybe maybe Colorado is being ordering and saying, well, that was a Vegas loss, it wasn't a Colorado face loss.

So I talking at.

A federal level.

It could be that that's true at the state level, where the state they want their money and they don't let you take a Novada loss against Colorado income.

That's probably what's going on.

And I'll tell you what really drives me crazy.

You know, you walk up to a table game or walk up to a sports book in Vegas, like I said, and less if it's over ten grand, that they just they don't care that you simply if you sat down with five grand and got up with ten grand, there's no W nine because they have no idea how much you won or lost prior to that.

I mean, it's kind of ridiculous.

But in Colorado they're doing it different.

Man.

I'm telling you, we got to figure out what they're doing on the sports book here, because if you even win one thousand bucks here, you're going to get a W nine right yeah?

Or ten ninety nine.

Yeah, that's that's absolutely bonkers to me.

I don't get it.

And the other thing I don't understand about.

Maybe you can shed light on it in Vegas.

Like I said, on the table game, but if you hit a slot machine for like thirteen hundred dollars, they give you a ten ninety nine.

Right.

But if but but but but but if you walk up to a blackjack or roulette and put down two grand and win two grand, they don't give you one.

Uh yeah, that's weird.

I don't know why they wouldn't be consistent across the board.

I don't know who the Mallory is your I bet Mallory knows this stuff inside out.

He probably knows what he's talking about.

Well, you said, Perfe, not only is he an accountant, but he's a professional poker player.

Double trouble, double trouble.

Not a very good one.

Ah, Eric, I appreciate you coming on real quick man, and uh take care.

That's Eric Rhinimeir.

These guys at Atlas CPA not only do they do taxes, but they can help your entire company out.

They can do the payroll stuff for you.

They just do it all.

They're great people at Atlas.

You can check him out at three oh three seven nine nine nine one one one three oh three seven nine nine nine one one one.

Now, Vic, what is going on with you?

We have two lines open three oh three seven one three eight two five five.

Anything you got going we want to hear about it.

Three oh three Martino, Hey, Vic, what's going on?

It says you have a comment on the dryer.

What is that?

Well, I heard you.

I was watching on YouTube and you guys said you were getting new washing dryer.

And I heard you say does ebody want a dryer?

Yeah, that's exactly what I said.

I thought for a minute.

I looked at Tuesday and I said, jeez, that I say that on air.

But okay, yeah you heard it on YouTube.

Yeah.

I've had a Ken Moore washing driver for thirty years and of the drawer went out.

Oh no, kidd, yeah, Ked Moore thirty years.

Finally the drawer went out.

You know we were we were talking about that, the old ones by Ge and Whirlpool, I mean, going back thirty years.

Those things would last thirty years.

Oh yeah, yeah.

I checked out home people for dryers.

I couldn't afford it, but I told the salesman that I had a Ken Moore.

He was both the last thirty years.

I said, that's right.

Well, this one's one of those front what do you call it a front load or dryer?

Yeah, sure is.

It's electric mark.

It's nice as.

Hell, man.

I mean it's ten years old, but it works perfect.

Well I've been drying my clothes on my bedspread.

So well, it works better than a bedspread.

How are you going to get it?

I got to pick up.

Yeah, do you have somebody who can help you load it up?

And whatnot?

Not?

I'm not getting involved in that part.

I'm more than happy to give it to you, but I'm not getting.

Involved in the Yeah.

No, yeah, I've got two sons that would help me out.

There you go, But I only do my laundry twice a week.

So and what town do you live in?

Okay?

Because we're out in Frank Town.

Right right, Yeah, it's yours.

If you want it, it's yours.

Hold On, Kelly, send us, send me his information and I'll reach out.

And we're going to run a criminal background check on you first.

Just kidding.

Hold on, go with a sure thing Denver's best roofer Excel Roofing dot com.

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

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

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

Oh three nine two zero sixteen twenty two.

All right three O three seven one three A two five five three zero three Martino, you've been ripped off or taken advantage of?

You got three lines open love to hear from you.

Three zero three Martino.

Jo Chiano joins us by the way my Moneymway dot com, and we're gonna be talking about some annuity products and talking about retirement in general.

In fact, if Tom and I got into a little bit of an argument last week over annuities, and I want to kind of I have done so much research on them in the past six days.

It's just insane.

In fact, Joe, I gotta say, I know more about.

Him than I want to know about him.

That's good.

Well, hit your mic there, that is good.

Yeah, it is good.

You have to do your research on them.

So we're going to talk a little bit about that stuff, but just retirement in general.

You know, I'm to the point now at fifty three, I can't see myself retiring.

I just don't even know what that looks like.

Like, what does that look like like?

Doing?

What?

What do you do?

How old are you?

Joe?

You don't mind, Come on, okay, and you're not retired.

You're still retired.

That's what I'm saying, Dmitri, what's retirement look like to you?

Do you see it in your brain?

Just like this?

I mean, I don't intend to slow down.

Yeah, I know, And I think that's where people start dying.

Do you know who suffered a really terrible way to go retired?

Bought a big TV and sat on the couch, and that's how they go, That's how they go and you know, not the way I want to, So go as busy as possible.

Doc, When did you retire about ten years ago?

Ten years?

So you practiced for how long?

From eighty three until two thousand and fifteen?

Let's say, cah, that's a long run.

If being a baby doctor, it sure was, that is a long run.

Well, we'll dive into that stuff in a second.

Julia, three h three Martino, Julia called this morning.

I'm not sure what's going on here, but Julia called up?

Did she call back, Kelly?

What did she call back for?

Correct?

She has some other questions?

Okay, that's fine.

So she called up this morning, in fact, I think first call we took.

And she's getting evicted from an apartment where she's only got a thirty day a lease and she's only been there, if I recall, since January or February.

But what's your other question?

Julia?

Did you reach out and talk to where?

I got over at Denver real estate moguls?

So I try to reach out to them, and I can't get ahold of them.

But I did find a realtor.

Okay, she's willing to work with me on my credit and with the dogs and everything, and we found the house nice.

The only thing is because I had to get caught up back rent, I am struggling to get a security deposit.

In first month's rent.

So I have a goalth on me and I'm asking for any help possible because I have to the end of this month to get out of this place and secure another place.

If there's any way anyone can help me and my kids, I greatly appreciate it.

Well you could.

I don't mind if you give it out.

Go ahead, Susanne, you look well.

I was just.

Gonna say, if she wants to email the link, we can maybe post it.

If you want.

Yeah, I don't care if we post it.

I mean it is what it is.

Julia.

I find it a little strange.

Two hours ago you didn't have a place to live.

Now all of a sudden, you do.

I out to a realtor called Eddie Ellington, okay, and she's the one that is helping me with everything.

And are you buying a house, you say, a realtor.

No, no, no, no, no, I'm not buying a house.

I am renting, okay for to buy a house.

So does she manage properties or he managed properties or something?

She managed properties.

Okay, then she found I was looking on Julia for houses, sure, and I ran into her.

All right, well just make sure you do a little due diligence for you sign the lease.

But yeah, you can email that over and then, Suzanne, it's your prerogative.

So I don't know what do you guys make of that?

Go ahead?

Honestly, what do you make of that?

Am I the only one on am I the only one on earth that just says what they feel?

Sometimes?

You know, there has to be a way.

And I don't know what it is exactly, but there's so many rental scams that go on with the people who suppose the renting the house, yeah, aren't really the owners.

They get your deposit and they walk away.

Well that's what I'm afraid they could happen.

So then we help her with some money and she ends up scammed to add.

But I go even further down.

I'm saying, we talked to her, Kelly pick up and get her information place.

If it's if it's a license realtor, I would be much less suspicious.

Yeah, I mean, she's not doing it on Craigslist.

If the sky Old Girl is her license realtor.

Yeah, I think that that sounds a scam part.

Yeah, I was trying to get let's see there she goes.

Now Kelly picked up.

The reason I wanted Kelly to pick up is because now she can't hear me.

I find it really odd that her first call this morning all of a sudden, Now is it go fund me?

I mean, you know what, so people, we are gonna post it.

If you want to donate, go ahead.

But I'm telling you right now, I find it odd.

And that's what I was asking Dimitri.

Is that odd to you or no?

Yeah, it's well sounds I do understand both sides, So I can understand mean both sides.

I'm simply stating what I'm thinking right now.

Oh right, right right, So I do understand what you're thinking, and I also understand while this lady who's maybe in her desperate hour, is also trying to find an alternative solution to what she considered this morning.

Yeah, well, I'm glad she found something.

I find it amazing she found it in an hour and forty five minutes.

She now has a place that she found a realtor, she likes the place.

And on top of all that, now she just needs money.

For well, Mark, I think we should take credit for that because that's the power of the Tom Martino Troubleshooter radio show.

Yeah, I think so too, Dimitri three oh three seven one three eight two five five.

Now back to retirement.

Actually, we got lines open.

Any questions you have, Joe, So I want to say some about annuities.

Okay, I think everybody, everybody that has any form of retirement.

I mean, if you've got a hundred bucks, I'm not talking to you.

But if anybody that has been working a long time, I see such a need for that guaranteed money at some point.

I would never put more than twenty five thirty five percent of my retirement, but I like risk.

But I also, for the life of me, would not want to be in a position where I'm in my sixties seventies ready to retire and I don't have some form of guaranteed money coming in.

We were talking to Doc before, and that's exactly what he did.

He took a big lump sum.

Doc.

How old were you when you did that, like seventy oh seventy at seventy years old, Where did your lump sum come from?

Just savings?

Yeah, savings before one K and whatever time it finds I had put away over the cost of my working.

So he decided instead of having cash or instead of having it in the stock market going up and down, he decided to take this big lump sum and turn that into an income stream that he cannot outlive.

I mean it's there forever and his even goes up each month or each month or each year three percent.

Minimum three percent.

So and what is that for?

Just there's a three percent cost of living.

But if the market goes up more than three percent, I get the market increase.

Yeah, well if it goes down, you have to get downside.

I get the three percent.

Regardless, you get that three percent.

I mean, that's amazing, it's beautiful.

We have an annuity just like that, exactly.

Like that is that is the majority of your business, Joe, and I really do want to understand my money, my way down come is the majority of your business people like Doc that are retiring, they're taking a lump sum and turning at least some of it into this income stream forever.

No, maybe five percent, five percent.

So your people actually want to wait maybe two or three, five, ten years to let the annuity grow so they can have a better income.

But when we were talking, and this was I don't even remember thirst days writing.

Whenever we were talking and I was going through my retirement stuff with you in my accounts, you said, at your age, with what you're doing, I should not be doing an annuity right now.

Absolutely, Mark.

You know I am a sort of five financial planner.

I'm a seduciary.

Yes, so I have the you know, I have to have your best interest at heart.

Yeah, okay, And you are doing phenomenally well with your stock trading.

Yeah, I mean you're doing great at your age.

Let me ask you something.

There is no doubt what I'm doing would make me way more than an annuity.

Buying it right now, There's no doubt about it.

It's in the math.

But what I always wondered with people getting one younger and Tom and I have had I'm not going to say it's an argument.

You know, he's a fiduciary as well, right, and he's absolutely right that the S and P is going to outperform an annuity in a certain amount of years no matter what.

It just never had is not, It just hasn't.

There's been times where I think eight would be a great example.

I know, but my friend Tommy lost his ass.

He lost half of his four oh one gay and he was like eighty years old at the time, so that was devastating to him.

Oh absolutely.

But the other thing I see and I get the S and P does it.

But then I think of somebody like my son, and he's really good with money because we've trained him, right, I mean, no matter what, we've trained him, right, he's got a great nest egg at twenty five.

It's unbelievable.

But there's a lot of people in that age range twenty five thirty five that they overbuy on the cars, or they get their first house and they basically just start second third mortgages left and right.

They basically are selling their house the slow way.

There's people where if they did take some money they inherited or they did get even in their thirties or forties, and it's sat there.

They can't touch it.

They can't touch it.

You know.

People might say that's part of the problem with an annuity, you don't have one hundred percent liquid that That's not what I'm saying.

I would never take all the money, but at a certain time, for certain people.

How we have people that call this show that dip into their four to oh one K and end up spending forty percent of their four to one K on fees and taxes and on taxes.

There is a place out there, and it's not me.

I agree, it's not me, But there is a place out there for people that just don't like risk for God's sake, and they're afraid they're going to spend their own damn money.

That is right market.

You were talking about gambling right just a few moments ago.

Yeah, and I tell you what, See the difference between an annuity and the stock market, it's really boils downe to gambling.

Well, there's less some truth of that, but I don't want to overlook though there is no doubt the s and P over a certain amount of time is going to make more.

It just simply is what I'm saying, is there's people that simply don't have the discipline if you give them the ability to dip into their four to one KA.

How many people during COVID didn't they extend four oh one K loans for like a year or something.

How many people still haven't paid it back and lost their retirement they've been building up.

Sure, it's just scary stuff when you talk about retirement.

Well, see, the only thing you got to keep in mind is that when you're young, just like you are, you know, your whole objective should be growth, to maximize your accounts.

Yeah, that's exactly what they're doing.

And I loved when we sat down and actually had the conversation.

In fact, it was with you and Jordan, right, and we probably spent an hour.

Susanne, you were in the room.

We went over every single thing I'm doing, and I swear to God it to the end.

He's like, there's no way, you're way too young to get in anuity.

In fact, you were like, you're going to wait till you're like sixty four, sixty five or you know, four or five years before you retire.

Then you convert into that indus.

Right, And see, that's when you become that age, you need to begin accumulating.

Yeah, not accumulating, of course, accumulating and that goes with everything.

That's when you start selling your toys.

Yeah.

That and the question you got to ask yourself and the listeners should be asking, is my money that I have built up over the years, is it going to last as long as I will?

Or is it am I going to outlast my money?

Is begin the question of mine that doc actually has right now?

Yeah, that annuity will pay until the day he died.

He can live to one hundred and fifty and he's still going to get whatever per month and the three percent and everything else.

Hold on, no, I got to take this break Hold on three oh three seven one three eight two five five, three oh three Martino.

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

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

Time for an insurance check up free, no obligation.

In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven 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.

All right, three oh three, seven one three eight two five five Any help you need out there, We'd love taught to you.

Three oh three Martino.

We have been doing a little bit of a deep dive on and off here about retirement on top of that.

Do you mind if I bring up what you're doing as well?

No, that's fine.

He's on the shot I was on.

I used Denver Regen, one of the sponsors.

I use him for six eight months.

But you just got a few years on me.

And it's kind of funny we went through the same thing.

I'd always say anybody out there, and I say this because January's coming up, I'm going to be so transparent on my weight loss.

It's crazy.

I dropped almost forty It's like forty four forty five pounds, and I did in about eight months.

The one thing that started bothering me around six months on these GLP ones, Joe, and you've only been on them for two months.

Yeah, oh, but yeah, and you've been doing great.

You lost weight fifteen pounds.

Any side effects, we'll talk about the one we were talking about, but other than that nothing.

I didn't really have any either.

The biggest side effect I ever had when you first get on it and you're not used to it, it slows down your digestion.

So if you eat too much, you are so full you're literally backed up because you're digestion.

Slow, you feel awful.

You feel awful, and you learn not to do that.

Right.

The remarkable thing about the medication and people out there, if you haven't tried it and you're obese, you're crazy.

I mean, I think most health insurance now cover it.

Denver Regen's got a dirt cheap if you're a cash payer.

But what's really crazy is that food noise.

I called it.

In fact, I wish I coined that phrase, and I might have, honestly, because I was saying this well over a year ago.

And it gets rid of the food noise.

You don't think of ice cream, you don't think of pizza.

It's quite remarkable, that's right.

Or even you know, have an ear or have an a less of wine, you don't, you know, there's no need.

It's so bizarre.

Yeah, I gotta wonder how that works.

I wonder if it works.

I don't think it does work for drug addicts or I'll say beyond it, but I wonder if there's something they can do that would work the same way for like opioids or something.

Well like that antibus stuff.

I don't know if that really kills the alcohol noise.

But it certainly you pay for it if you drink, it's.

Actually itren you.

Yeah, it's honestly.

We had a neighbor, Archie, in fact, I think he's dead now, but he was a raging alcoholic.

There's two kinds of alcoholics.

There's bingers, and that's what Archie was.

Archie would drink three four days, literally three or four days straight, be so messed up you couldn't even believe it, so messed up.

I'd have to help his kids get on the bus.

I mean, he was like if his wife was out of town, his kids were at our house.

Horrible situation.

But then he wouldn't drink for maybe a month, and then he'd binge.

You can.

He was a binger.

The other kind we had a buddy, Larry.

They just drink twenty They basically wake up, start drinking, and then go to sleep.

Wake up, start drinking, go to sleep.

Totally two different things.

Archie got on anibuse.

I don't even remember why.

His wife sued his company, literally sued the company for firing them for drinking on the job.

They fired him for drinking on the job, and she sued him.

She was an attorney and actually one got a year's back pay and legal and everything based on that alcoholism is a disease, and they fired him over a medical reason.

It was crazy.

And he worked for Cisco.

It was a big expensive company at the time.

But he was on Anibeus and he would drink on Anibeus and it would punish him.

He'd get a bad, bad head is how he would describe it, but he didn't care.

He would drink on it.

Oh my god, makes you throw up?

Yeah, it does, he said, he'd get the worst headache of his life, but it was still worth drinking.

Well, well, I think the drug that we're taking right now, Mark, Yeah, elp wants it actually works the same way.

It trains your brain.

Yeah, I mean I over ate.

Oh I mean sweet, I made some tacos, you know, and I just I ate four tacos that I made.

Yeah, right, I felt it.

Now you eat too.

I felt it, or one, maybe one and a half at the most.

I mean I felt it.

Is there anything you don't like on it?

I couldn't fathom eating a steak with a gun to my head.

I couldn't fath bacon and eggs.

I did not.

I love bacon and eggs.

I did not eat bacon and eggs for at least six seven months.

I couldn't fathom eating.

It was tragic.

Really, oh my god.

I would get off the drug and then the hardest part.

And this is true for the spouses out there where one of them's on it, because you're living through this a little bit with Kim.

Well, absolutely, and besides that, I'm a vegetarian.

We don't want to go out when you're on that shot.

It's like, would I go out to eat and spend.

Month I'm not even hungry, That's exactly right.

Okay, we would go to Great Dividing Castle Rock when I was on this stuff.

What would I order from my entire dinner?

Everything?

Fried pickles on the happy hours.

Good.

It's like four bucks for like, you know whatever, fried pickle.

That's what I'd eat for the entire day was fried pickles.

Mark, if you do the math, and I think I've mentioned this to you before, but if you do the math, you'll see that the money you saved on food, including restaurant bills, more than paid.

For the drug treatment.

Right now.

The other thing you're talking about cravings.

The liquor industry, as you know, is in a very bad shape right now, maj No, because they're blaming it on GLP one.

There are so many millions of people on GOLP one, which has been proven to reduce all cravings, not just food.

But the liquor companies are blaming GOLP one for their perfect Oh, poor liquor companies, those poor bastards, right, it's hard to generate sympathy for you know.

We got to take a break.

But if you think of the only thing worse than the liquor companies, there's one that's one hundred times worse in my opinion.

Oh, I guess it's way more addicted.

We've used auto warranty industry.

No cigarettes, Oh yeah, but they're all but dead now.

Big no, no, Now they're just cherry flavored vape.

Yeah, they're all owned by the same people.

Right, But these these families have killed so many people.

It's ridiculous.

I was stuck on that stuff for twenty years.

It took me ten years to get off nickedteam, well, ten years without a cigarette to get off Nicketine.

Let's give them a little bit of credit for coming up with a way to kill their customers a little less quickly.

Hold tight, go with a sure thing Denver's Best roofer Excel Roofing dot You don't pay a cent until you're content.

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All right, three oh three seven one three eight two five five, get your calls in.

We got another hour coming up.

It was kind of funny.

We were going around the table.

I didn't even know.

Deputy Doc used to smoke cigarettes.

I remember seeing old black and white TV commercials from like Philip Morris, and they would have a doctor up there saying something stupid like I only smoked Marlboroughs.

It was camels.

They only smoked camels, which.

Have the worst signals.

Those were the non filters, right, Yeah, so I smoked camels, but when I smoked them, they were actually camel lights that had filters.

I didn't mind, you know, cigarettes.

When I the last time I put cigarettes, I think it was like twenty five cents of pack.

That's insane.

When my dad was in the Navy on the ship, he's your age on the ship, they were ten cents of pack right only on the ship.

In nineteen seventies.

Okay, in the nineteen seventies, I was in the military and air Force Air Force and we I mean I went to the hospital, you know, and people were smoking cigarettes in the hospital.

I know.

Yeah, I see people with oxygen hanging around.

There are no smoking cigarettes.

Now think about that.

It's my first real kind of job.

I was a stock manager at a small grocery store in broken Aarow, Oklahoma.

Every one of our shopping cars had an ashtray on it.

Oh yeah, and people would smoke.

The stockers would smoke, the customers would smoke.

The damn checkers would smoke.

It was Oklahoma like if you didn't smoke, there was something wrong with you.

Did you smoke?

I you know, I smoked brief when I was in college.

But when I lived in New York at the wall Bomb's grocery store, they did have some carts that had ash her yeah, and people would walk around and smoke right there in the grocery store.

We were in medical school and smoke, which is crazy.

Crazy.

My dad saw someone you were talking about when you were in the military.

He was in the military hospital for whatever reason, and one of the people in the room had a trachea smoking a cigarette out of his neck.

Oh lord, I mean, you've got to be pretty damn addicted to something to smoke out of your neck.

How long did it take you to give up smokes?

How'd you do it?

Just in one day?

I just decided not to smoke.

That's impressive.

D I'd walk around, I'd have patches, I'd have mint chewing gum.

My god, I had everything.

Also, they didn't have other stuff when you guys knew it to right.

Oh yeah, they had the patches, they had the gum and stuff.

I just didn't need it.

Quit Mark, Well, she.

She quit one day she found out she was pregnant.

Yeah.

I did it at an easy age.

I was still in my twenty You're still on nicotine.

Oh, for totally different reasons.

And I just and I'm just just started experimenting with that, not smoking.

It sounds like a high school like I just I just started experimenting with Oh the little nicotine, wasn't you?

He's addicted to nicotine.

Can't quit anytime I want to.

Anytime?

Well, you know what, so he'll die of mouth cancers that are lung cancer.

Nicotine is a known cautinogen for for oral cancers.

I used to do you guys, ever heard when I was at military school?

I do snuff?

You know what that was?

Is that the same as chewing tobacco?

No, it's fine, little round, you pitch it and you just like cocaine.

Yeah, they used to sell it at the record shop.

They sold everywhere over by my high school, Copenhagen.

Yeah, that was a big thing in military school.

Anyhow, we got another hour coming up.

Get the calls in three zero three Martino three oh three seven one three A two five.

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News.

So you don't have cam, Shooter's gonna help coming man.

This is the Troubleshooter Show now, Tom Martinez, welcome my friends.

To the only show of it's kind.

We're here to solve problems, answer questions, take your complaints.

You've been ripped off.

You need help with the contractor, you need help with the landlord.

You need help.

I've got Deputy standing by, Deputy d Deputy Doc.

I believe Deputy dollars out there.

Everybody's waiting for a chore to do.

Three oh three seven one three A two five five.

That, to my friends, is a phone number.

We do have open lines.

Three zero three Martino, we've been talking about all different kinds of things.

Do you guys watch by the way joining us in studio, Joe Chiano.

He's with My Money Myway dot Com.

They sell a great annuity product.

We're gonna be talking about and who it's right for.

Deputy d Susan's to my left, Kelly and Dragon on the other side of the Glass taking your calls three oh three, Martino, We were talking about a lot of stuff.

Do you guys watch Shark Tank?

You don't watch shar Tank?

No?

I love Shark Tank.

My god, I love that.

How can you not watch Shark Tank?

It is so good?

What's it about?

Mark?

I'm really I'm further that you pitch an idea of a business that's generally up and running making money, but you want to either grow or sell part of it.

You want to partner with a shark, meaning a very rich investor who's good at business.

This a reality show where these participants see convestment capital in their existing businesses.

Yeah, most of the time.

Sometimes it's just uh, sometimes it's weird.

Sometimes it could be a charity.

But in general, you you pretty much nailed it.

So I was watching an episode last night, dumbest thing I've ever seen.

But sometimes when you see these dumb ideas and how much money they've made, it's remarkable.

There's one.

I'll give you an example, in fact, Suzanne buys them.

It's that weird looking sponge.

Oh yeah, the scrub Daddy or something ruby.

It's a scrub daddy.

It works wonderful.

They sold like billions of dollars of sponges that it's a smiley faced sponge for God's sake, and it's been one of the most successful ones they f had.

Is it a personal sponge that you use in the shower?

No, you wouldn't want to put that on your tush.

Okay no, No, it's like it's like to scour a pan.

Oh yeah, yeah, it's like the sponge Daddy or whatever it's called.

They had one last night, though.

I just.

You ever see something you almost get ill, Like your stomach is just like, look like maybe a food laughing.

If I look at spam, I want to puke.

I think spam should be out.

Yeah, it's disgusting.

I don't care.

It's disgusting.

Meating the can is a bad thing.

The sausage is all that crap.

So you know what a ginger houses?

Right?

So this woman instead of a ginger bread house, it's still a ginger bread house, but there's no ginger in it is no guess what it is.

It's it's a chikouterie board ginger house.

So it's salamis on the roof and olives in the trees.

It sounds delicious.

Can you imagine.

Can you imagine at a party you walk up and people are just picking pepperoni off the roof.

Think of how disgusting that it looks.

Ugly pretty quick once you start ripping off the salami on the roof and the you know, the whatever.

It's got to be just infested from the miny you put it out.

It's meat and it's in the shape of a house, and it's a dumb idea.

According to Mark, that is millions.

That sounds millions million.

Yeah, it might be like the relish tray or something.

It would go with a relish tray.

Mark.

She'd bust say.

I am not the only person that didn't know what a relish tray was.

Most people had never heard of a relish tray in their entire life.

Most people have never heard of a signature smell or scent.

Seriously, most people have not.

I was shocked when Martino said he went out one time and was getting a signature set.

Yeah, he was analyzed for it, he said.

In the eighties that was kind of a big deal.

And he went to some special store where you meet with consultants and they blend They study you your lifestyle, your mindset, and they blamed that they had to be.

Doing it as an undercover sting for God.

So I think he was serious about it.

This was back in his days of wearing a Rolex Presidential and driving a Bentley or Ferrari of whatever he had.

He talks about that all the time, and he had his signature smell.

No, he said he decided not to do it, but he would never tell me why.

Well, why do you think he told me it was more of an undercover deal.

He was doing research.

Yeah.

I wonder where the truth lies here, right, I mean, those are way different stories.

I think I know where the truth lies.

Yeah, I think I do too.

I don't remember Tom wearing like do you remember him wearing No, that's not true.

When he was on the news, he was always wearing a suit, wasn't he.

Oh yeah, he was.

Very were suspender he so cute.

Yeah, well, he'd say that was when he was fat.

Oh, you're right.

I do remember his red suspender's face, he would say, And he looks back on him because I'd never wear suspenders again.

I only had to wear him to keep my pants up.

I didn't even remember him being that heavy.

I've never noticed him being fat.

No, just a little I mean overweight, not fat.

Yeah, he talks about it all the time as having been fat, but I think he's kind of exaggerating.

His memory is exaggerated.

And I worked with Tommy side by side there years ago, and.

He was heavy, extra, kind of little shape, but not like.

I mean, no, God, no, no, not like morbidly obese or anything.

By the way, you know, having lost all that weight that he did probably saved his life during this, you know, this really scary health scare that he.

Just know you're right because he went in in really good shape.

Yeah, he was working out, he was eating right.

He didn't eat carbs, or at least very minimal carbs, so when he was diagnosed with it, all that probably.

Saved his life.

There's something interesting about the carbs, and I get it.

Sugar is sugar as sugar is sugar, doesn't matter.

It can break down numerous different ways.

Some carbs break down quicker.

Some carbs have a lot of vitamins which are good for you, but they still have all the sugar.

So carbs or carbs or carbs and it's all sugar.

But it seems to me it really does.

If you cut all carbs out all together.

No carbs, that's a pretty hard lifestyle.

I still say you got to have some fruit, some vegetables.

You gotta have something.

I mean, I have done.

I am someone that can stand here and literally say I have done no carbs for long, long periods of time, and I've lost a hell of a lot of ways doing a hell of a mark.

It was, I've been carb free for five and a half years now.

And yeah, but I'll see you do a little cream.

That cream's got some carbs in it.

Well, no, that cream is actually zero.

Whipping cream is zero carb smart if.

You get the organic whipping cream which doesn't have like the thickeners they put in zero Yeah, there's zero.

So I mean you still keep saying.

The one you you don't even have the box, the one that's in the fridge right like the one at our house.

Those have a little It says less than one.

But it still says, see I'm not zero.

It's okay, So it's zero.

Yeah, it depends you got a reason.

What do you do for vitamins?

I have I think eight or ten pills I take every day, so and I have my blood tested every six months.

I get a four page report or my healthcare four page.

Yeah, so I'm not deficient in anything nutritionally.

I was gonna say, okay, but that's not what your old girl.

Oh but yeah, so you know.

And and so my carbs I limit to uh under ten grams per day, and most of the days I don't even get to half of that.

I just don't miss carbs after the first six months or so.

Joe, you don't care now because you're on the g LP one, not of it, right.

Yeah.

But the thing is, though, Mark, you know, I mean being from Mexico City, I love tortillaz I love tacos.

I love chips.

Yeah, salsa, I mean.

Those are that's what kills That's what kills you at a Mexican restaurant.

That is right.

It's the damn chips and salsa.

That's right, it kills you.

I love it.

Joe, didn't you say you're a vegetarian.

So it's it's very you can't get away from carbs when you're a vegetarian, not really diet it's easy.

You wouldn't be able to.

It's very hard.

I don't get full well he does it now now I do?

Yeah, but I never used to Yeah, I'll eat fish.

Yeah, Suzanne's a big fish eater.

If we go to a nice steakhouse, she's always she always orders fish always.

I love fish, I really do.

It's nice.

You know, the producer that's got to be hard on your wife too, though, being a vegetarian.

That's what Sussanne was talking about.

Yeah, exactly, No, it's.

Kind of crazy.

You got to take this break.

Three oh three seven one three eight two five five.

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 one help.

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Right three oh three seven one three eight two five five three zero three Martino, I do want to tell everybody out there, you know a great company, renew home in as we've talked about renew a lot.

They do exactly that.

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What's kind of cool is Nick the owner got back into HVAC.

That's what he did for the first half of his life.

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Now we've got Jo Keyana with us my Moneymway dot Com talking retirement.

Joe, what would you say the average person has at age sixty?

What does it take to retire?

Now, let's let's not just concentrate on any certain product, but someone that wants to pretty much retire at sixty five or let's even say seventy.

These days, how much is really needed in the bank?

And I understand everybody has different ideas of how they want to live in retirement, right, but is there such thing as a typical.

Well, there used to be a rule of thumb that if you had one million dollars, wow, you could actually take four percent a year, you know, keep it invested forty thousand a year.

Yeah, it could last to for ever ever, as long as the market, yeah, doesn't go down.

Or as long as interest rates stay out exactly.

So today, with the economy being the way it is, Mark, I think people more realistically need between three.

To four million dollars.

Yeah, you know, to be safe.

Yeah, I would, I would agree with that.

You see, the biggest fear of the people have, do they is running out of money at retirement?

Running out of money of retirement.

Do you find that most people you deal with, they call up, they hear an ad or they want to talk a retirement with you, They want to talk about an annuity.

Do most people own their house and they have that million dollars either in a four to oh one k or maybe even liquid and cash.

Once again, I realize you are unique.

You and Jordan are very unique in this way.

You don't really care how much money they have.

You want to help everybody out there.

That is right.

That's our philosophy and a lot of people.

If you don't have a certain amount of money, you're just simply not going to be part of the team.

It's just the way it works, that's right.

So what is the average person you're seeing, like sixty to seventy years old?

What kind of assets do they have?

What's their net worth?

That's the way to put it.

Well, see, they range, you know, they range just that much or you know, almost nothing.

Basically, yeah, do actually multimillion?

You know, we didn't really laugh about it, but we did a movie event.

This was over a year ago, and I remember saying, you know, what kind of questions because I left early, what kind of questions were you going?

And you talked to one person and I mean really they had I think one hundred dollars.

Think about that, they're in their fifties or sixties and their entire savings Dmitri and this was no bs, literally one hundred dollars.

I don't even know how you live.

You can't people actually have, you know, they believe a social Security will take care of them.

Yeah, but social Security wasn't made as a safety net.

Right, It's not meant to be a retirement account.

I was told Jordan first hour.

We went over everything with Suzanne and I went over everything we have basically with you guys last week, and I was well, I wasn't going to say I was flabbergacid, but you're like, you're not ready for an annuity.

There's no reason for you to get one right now because I'm performing the S and P.

I mean literally, I'm killing it definitely.

You know you are Mark and you're very unique.

Let me put it to you that way.

You're unique.

Well, what's what's interesting is how many people, and I said this to Jordan during COVID you could actually borrow from your four oh one K for way too long.

I don't even think people should be able to borrow from their four oh one K because of the rules that are in place right now.

It's got nothing to do with it.

I just don't think.

I don't think it's good, especially if you got a kid that's thirty or something and he's going to take out of his four oh one K for a down payment on his house.

Something absurd.

I mean, we hear this story all the time.

I don't think people should do that.

I simply don't think they should.

But but what's interesting about an annuity for someone that's even my age?

And I'd never do this, so it doesn't fit me.

But people might want to use that money because something happens in their life.

If you are younger and in an annuity product, you're only going to get to just a small portion of that without having outrageous fees.

I mean, I realize you can borrow ten percent if you have a million dollar an annuity, that's one hundred thousand a year.

That's a lot of money.

Yeah, you don't borrow it, you can take it out.

You you would draw from the annuity and there's there's no interest or no penalty at all.

Okay.

The other thing that's very unique about the product you see if you price and Susanne and I about two years ago, we're pricing long term care.

It's outrageous.

It doesn't even make sense unless you work for a big company like Walmart and they offer you something directly through payroll and they have millions of people as a group.

That's right, that's one thing.

But even still, if you really look into that product, along with aflac and some of these other products, they're outrageous.

It's just outrageous money.

But the long term is the worst.

Well, that is right, Mark, you know about I would say about twenty.

Years ago, why did it get so bad?

I bought a long term care policy with Prudential for you for me, and my premium was like four hundred dollars a month.

That's crazy even to.

Specie Okay, no, no, which is fine.

Today, the same policy, the same premium, I'm paid about twelve hundred bucks a month.

That's crazy.

Why Why?

Because there's so many claims.

You know, people are needing long term care because.

They're living longer.

Right, they can keep you in the hospital bed for a year if they want.

Right, I'll tell you what I mean.

It is the biggest risk the people over the age of sixty are facing.

Statistics show that over seventy percent of people sixty years old and older are going to need some time of failp.

It's ten thousand dollars a month.

Mark in Colorado, in Colorado, New York City is more absolutely.

Listen to this.

I was thinking about this.

Someone sixty seventy really starting to think of long term care.

Maybe they just watched their parents go through something horrible.

A lot of people do.

Well, that's it.

I'm fortunate right now my parents are in still good health.

But they're in their eighties.

I mean, I doubt they're gonna wake up dead.

I have a feeling they're gonna have issues, or at least one of them that's considered long term of some sort.

I just do.

I agree.

Now, what's interesting is they could never buy a policy now for long term right.

There's no way when you're eighty years old.

I mean, that's crazy.

That's like buying life insurance in ninety They'll sell you a million dollar policy for a million dollars.

That's about how it goes down.

But with an annuity.

If they did have an IRA or qualified money, if they move some of that over, and tell me if I'm wrong.

If someone had an IRA or whatever four A one K, orphan four A one K, some kind of qualified plan and they moved over right before they retired, or within ten years of retirement or five years or what immediately for that matter, they moved over a portion of that thirty five percent into this annuity.

Well that annuity, at least the one you sell, has that long term care writer on it.

That's a benefit, yes, where it will.

Double the payment if you do need long term right, and you didn't trigger any taxation, right, that is right, zero taxation.

Zero taxation.

See here's the thing.

We had a client that came in last week and he's biggest concern was not only a retirement, but long term care, long term care because he's seen it in his own family, right.

And he loved the feature of the annuity.

He loved it, and he says.

It's almost like insurance, but it's not.

It's not.

It doubles it.

So people understand if you're getting a couple thousand a month on your annuity when you decide to retire, like depity doc, right, and something happens where you can't cook for yourself, you can't clean for yourself once you meet the criteria and that is basically the the criteria, all of a sudden, that payment doubles.

In Doc's case, who would double the four thousand or five thousand wherever he's at the right, and then it's that number till the day you.

Die, and that payment will be paid to you.

Yeah.

Yeah, it doesn't go yeah correct, he doesn't go.

To the you know, facility or a curry giver.

I can do whatever you want with that money.

I think a lot of times.

One of the things a lot of us, I've been very blessed.

We have done very good building a nest egg.

You have very good.

And you know, we've had our house paid off.

We've just done everything right.

And I'd like to think we taught our kids right too when it comes to money management, because I mean there's people.

Look at the guy who got murdered over the weekend.

Who was that guy?

Look at this poor guy his son got arrested for murdering his parents.

Think about that he was no But here's where I'm going with that.

They had all the money in the world.

This guy's worth one hundred two hundred million dollars.

They could throw money at this kid for the last twenty five years and that didn't stop him from apparently murdering him.

I don't know if he did or not, but the accusation and I guess there is an arrest now.

But they've got all the money you can imagine and they can't fix that.

You can't fix that.

So I mean, I think if you instill people with money and don't do drugs and stuff like that, you get somewhere with it.

But I think where I'm coming to is that anxiety level as you get closer to retirement.

I can't imagine ever retiring Shoe, just like I can't see you at some point you'll retire.

At some point I retire maybe Yeah, I just can't.

I can't imagine slowing down.

But my point is the anxiety of thinking of where's that paycheck?

If I'm not here in front of this mic, if I'm not selling advertising, if I'm not running this business, if I'm not doing this whatever it happens to be.

Hey, Mark, you start thinking what am I going to do when I'm not creating that money anymore?

Let me give you my personal exemple.

Okay please.

I was employed by a company many years ago called if Hutton.

Oh yeah.

They would say, uh.

Says yeah, what a commercial right.

But the thing is they had a pension okay yep, and I was vested well when I when they when I left the company, they actually I'm getting on pension after the rest of my life through through them.

That's one check.

My wife is getting up pension from the airline.

All right, hold on, I got to take this break.

That's two pensions.

Everybody, Hold tight.

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

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

Time for an insurance checkup free, no obligation.

In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three seven seven to one help.

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Do you use Compass d Have you used them?

Yeah?

Mark, I just this is unplanned and it's not a pre planned plug for Compass, but a blast spring.

I bought my umbrella liability policies nice, but a couple of weeks ago I switched both of my auto insurance policies to one of his.

Carriers because who jammed up with you know, I.

Don't remember the new safety No, no, I can't remember whatever whatever Brian said there there's still this.

I mean it's Bubba's insurance, but he said they're in business and they have the means to play the pay the claims if necessary.

That's all that matters.

And he saved me, I'm not kidding, like a little over one hundred bucks a month from State Farms.

So the biggest one.

I remember, he saved someone over twelve thousand a year.

They owned multiple renolds and that's where most of the savings came from.

But think about that one thousand bucks a month, twelve thousand year.

It's phenomenal.

Hey, Joe, you were talking about you were working for E.

F.

Hutton, right, talk about back in the day.

I mean that really is way back there.

I remember as a little kid seeing those commercials and when he talks people.

Listen, Yeah, when he when he talks people this.

Do you guys remember the commercial with the Indian and I mean full brown Indian and he had the tear coming down.

Oh yeah, and it was trash.

Yeah, it was like waste management commercial off the East coast.

Yeah, it was off that where I grew up, of course.

Yeah, And that was absolutely crazy.

I remember some of those old commercials.

But you had a pension from them, and your wife had a pension.

That's right.

So we had two checks coming in right, once you retired, we got social security yep, check a piece.

Oh you both had okay, two social securities and then two.

Pensions since us four.

Yeah, then we have and I knew just like the one that we've been promoting on your show.

Yep.

And my wife has won.

So we got six pay checks that come in every mon in each and every single month.

Now, you tell me about peace of mind.

Joe's buying's inner peace of mind?

Right right there?

Yeah, it is, you got you got six.

Different stories and work in the morning.

I get six checks coming in to the mailbox each and every month.

What's most pensions like your E.

F.

Hutton or your wife's pension like Tom had a pension forever?

Right, I want to say Fox or one of the news stations.

But once you're not working there anymore, it stops.

The growth just stops.

Right, Yeah, So you begin to actually.

So that's when you better do something with it.

If you're not retired, you begin to accumulate, you begin to get the pension out of it, you know, whenever you you want.

Basically, yeah, once you're fully vested when you retire, then you can take the money out.

What's scary about pensions, and you and I have had this discussion before.

I had a friend I still have friend, Doug Walker, and he flew for United.

He was left chair, he was the captain and he had the best route.

It was like from here to Germany and that's four days a week or whatever it is.

And they went basically into bankruptcy and his pension he was looking at ten to fourteen thousand a month till they you know, forever.

Yeah, as a captain ten to fourteen thousand a month.

When the bankruptcy was done and they raided the pension fund and all the big wigs and the everybody signed off on it, he ended up with a couple grand a months.

Totally changed his life.

I can't believe that.

That's why four oh one kaser here now, Oh what a disaster.

Well, look at Social Security they rob it.

I mean, my god.

They're saying it's going to run out of money because all the money's going to everything else.

Yeah, that's what they're projecting it.

Yeah, but they've been saying that for a long time, Joe.

I mean really, they've been saying for a long time, it's going to run out of money.

Whatever President or whoever's running for president at the time.

When checks don't come out, better just move out of the country.

I mean, seriously, you think of it like the riots and stuff in the past.

It'll be nothing if those checks don't come I get more afraid of inflation and all of a sudden that check like during Biden at one point it was eight nine percent.

I mean, think about that, because you're so secured.

He sure as hell didn't go up eight or nine percent.

Oh that's right.

See, that's why you know, I think people love or annuity because they get a seventeen percent bonus.

Yep, they get the bonus day one, you know what, and that money, that money starts working day one.

I want to.

Explain the bonus because I've I've done a lot of research on this.

That bonus isn't yours, but it is yours because it's immediately growing.

If it's one hundred thousand, now you have one hundred and seventeen thousand, and when the stock market's going up, your one hundred and seventeen thousand is going up.

Right, it's officially yours, and you can take it when ten years.

You can take it out every year every year because the percentage.

The bonus is being invested by ten percent a year, got it.

That's to prevent people from getting our annuity.

Yeah, and then.

Tention the money to cash out and buy another.

Seventeen thousand dollars bonus, right, yeah, out of nothing.

So so it's.

Ten percent a year for ten years and you're fully vested.

I want to make this point.

Even with the exception of cashing it out, it is growing as one hundred and.

Seventy absolutely right, Okay, they won they want.

The second thing that people like the are annuity is because they can participate on market growth, yeah, of course, and protection against market decline.

Now, when we talk a fixed rate, because that's what we're talking here, if the S and P or whatever it's tied to, let's just say the stock market in general, you know, goes up four or five thousand points, or let's say it goes up I don't know fifteen percent.

You're not going to benefit fifteen percent, right or not, because it's going to cap seven eight percent.

That is right, because your money is not at risk, that's right.

But if it drops down a thousand points the next years, you're still exactly where you were on the goodyear, and then if it goes back up and over you go back up again.

How good is that market?

I mean, you really stuff and think about it.

It depends on your age when you're ready to retire.

I think it's perfect, right.

And you know, people have the best of both worlds, don't do.

They have potential for growth and protection against decline.

But then the most important thing on the annuity is the lifetime income.

You know, how you can outlive, you know, just like Duck was saying this morning, okay, he has peace of mind.

That I go back to that anxiety effect, and I think a lot of people they might be like, yeah, the stock market might go up a lot during my retirement, but I don't care.

I want that exact amount guaranteed for life.

It gets rid of all the anxiety.

That is right.

So when people think like that about the market going up all the time during retirement, you know what Mark, What if it doesn't happen?

What if the market crashes like in two thousand and.

Eight, Yeah, and they're retiring.

If you're retiring it that time, it would suck.

That's exactly That's what I'm saying.

So or I knew I say guaranteed income for life and long term care doubles it.

It doubles it as well as a death benefit as well.

Joe got a question for you, and here's the context.

Inflation has a very corrosive effect on any kind of fixed income, you know, instruments and especially pensions.

Is there a way is there an instrument that one can add to the annuity or purchase it separately from it that guarantees that the annual payment you get from this annuity and it's still what it is, will at least cover the rate of inflation.

It's absolutely if you if you mentioned it before, I must have missed it.

It sailed over my head.

It is a writer called the inflation writer, and you can choose between two to four percent inflation, just like Doug.

Is there anything above four percent available?

No?

Not now with the newties that we have, okay, four.

Plus, it'd be it would get to a point where that additional cost for that might not be worth it.

In other words, if it would go up eight percent, that could cost so much a year it might not be worth it.

Right right, So they cap it.

They cap it.

But the key is that their income stream will increase.

Yeah, by two, three or four percent every day.

Doctor says that all the time, and he loves it.

Yeah, he loves it, you know, I love I was talking to Tom and we were going back and forth on some stuff, and I couldn't agree more with him, you know, with Wave eight and what he does, especially for people out there that are qualified investors.

And I happen to be a qualified investor, but I do my own stuff.

But for someone that literally does not do their own stuff and they're in their fort east or still producing, they're making money, you put it with somebody like Tom in Wave eight and he's going to grow the hell out of it.

I mean, it's as simple as that.

But as you start getting closer to retirement, you do you take a chunk of all that money you've made over twenty thirty, forty years, whatever your lifetime looks like, you're working lifetime venue, buy something that's guaranteed never to go away.

Absolutely, there's people I know, literally right now, I'm not going to say who probably listening.

They bought an annuity that's going to be about thirty five to forty thousand a month till the day they die, till the day they die.

And I believe.

I'm not positive, but I believe they have a long term rider on that as well, which would be eighty thousand a month.

Think about that, eighty thousand.

A month east of mind.

But they did it.

They did it in their sixties sixty I want to say, sixty fourish.

Yeah, that's amazing.

Think about that.

It's reality.

Think about being guaranteed thirty thousand a month plus a diet's nuts