Fighters and civilians to leave a b. C. Town correspondent Nick Payton Walsh reports a u.s. Official who says America is continuing to withdraw troops from Syria also says the u.s. Is aware of ongoing violations of the cease fire a senior Turkish official is dismissing the idea but an alternative I can to maintain a seesaw saying frankly look and their version of it and how they read it we got everything we possibly wanted while we violate that many Republican lawmakers continue to criticize President Trump's troop pullout and pause in Turkish military operations against the u.s. Ally the Kurds we know that there are serious pushback when it comes to Syria withdrawing those u.s. Troops as well as the. Foreign leaders summit the g. 7 was going to be held trumps property Florida correspondent Kristen Holmes if you suffered losses in recent California fires and haven't filed for compensation you'd better get a move on Monday is the deadline to file claims against Pacific Gas and Electric the utility blamed for many of the fires and attorneys for wildfire victims are worried that as many as 70000 people may miss out on those payments and are asking a bankruptcy judge to extend the deadline p.g. And e. Has set aside nearly a half $1000000000.02 pay for a wide range of claims storm doesn't have to be a hurricane to cause lots of damage as Norman Bradley in central Florida found out called my wife and I said tornado Let's head for the closet so we were just about in the clause and we urge a tremendous boom and I think that's when the top of the 2nd story just took off Nestor did it Nestor is now a post tropical cyclone that is forecast to bring the high winds and heavy rains to parts of the southeast and hanging calm. When they have. Happen which means if they slow down on both directions of 90 those leading the fast of oh yes. Between Highway one and. Headed to the fast of all. Road also a slow ride on Highway one between on Highway one northbound between Redondo Beach Road and 92. East. Of that earlier cracks involving a big rig and a motorcycle at least on 80 in San Francisco before 7 straight ports of metal underneath the freeway between the 2 right lanes traffic is stopped when one traffic I'm Christine. This is consumer to. The whole idea of those programs to make sure you get your money's worth Well when you spend your hard earned. Our engineer in musical director is brand of. The finish line right now we have. 4 new Public Interest Research Group and they've been wandering around from used car lot of astro to come in to talk about watches and Claudia thanks for giving me a piece here Saturday. Handing me so what got you so you went to Auto Nation or did you go to all bunch of Lot What did you do. Yes So our report unsafe used cars for sale that we released this week we surveyed over 2400 closer sale at Auto Nation dealerships across the country and we found that one in 9 of the used vehicles for sale have unrepaired safety recall that can be extremely dangerous including cars in cars install in traffic and airbags to malfunction and propel metal shrapnel into passengers and even cars to catch on fire more than 10 percent of the cars that you look at Auto Nation are under recall having been fixed Yes So what about one in 9 vehicles have this unrepaired we call that we found for sale at the time a survey in summer of this year now how do you know they haven't been fixed. So you can check on any vehicle you are considering purchasing where you have recently purchased by checking the vehicle identification number or then of the car you can search this at safe car dot gov which we very strongly encourage any consumers to do and this government website will immediately tell you if there are any outstanding because on this vehicle so for our research we did just that using the Web site for these Auto Nation dealerships taking stock of the used book they had for sale and searching whether or not the government listed any outstanding recalls on the particular vehicle so you went online you did not to go to the dealerships you went online where they have been listed you take them in you move it over to save card and see if there's any unrepaired or unintended to recall items. Yes So this intermission is fairly easy to access but is not always clearly communicated to the consumer if you actually go to the car lot and are considering buying a vehicle so we wanted to highlight just how prevalent this practice was and how much automation is endangering its passengers automation actually in 2015 who recognize the danger of styling recalled cars with safety defects and in that year pledged not to sell any recalled cars but then less than a year and a half later in November of 2016 they walked back that promise and resume selling the recall the vehicles to the consumer how did they walk back that promise. And 2015 automations then c.e.o. Made a very public pledge and promise not to sell any recall the vehicle it is currently illegal to sell a new vehicle or to rent a car with an outstanding state do you recall but it is not currently illegal to sell a used but with a recall automation then c.e.o. Pledge not to sell me recalls cars but then when the regulatory environment changed in 26 teams after the change of the federal ministration automation no longer was worried of course lot of regulatory action from the new administration and the sided to resume their earlier dangerous practice of selling these recalls vehicle so they didn't say hey we're no longer worried about being kicked around by the government on this so we're not going to do it that your supposition right. They did their condemnation then c.e.o. It say that the that because of the kings in the regulatory environment. They were no longer to sell these recalls. We we know that they know the danger of this practice it's quite clear from all of this actual information and even from the records from their c.e.o. At the time but it was because of this regulatory change the Obama administration had called on Elephant agencies to investigate dealers that was something we called card and then but they no longer. Were concerned with that with the trumpet ministration cited that as a reason for changing their practice. Laura Starr the producer of this program tells me that she reached out to Auto Nation this past Wednesday and Auto Nation offered to put her in trucks for someone to interview right then she said now that she was producing a show that airs on Saturday and she asked them to be on the show live they said no one was available to speak with us today she invited them to. E-mail response a written response say said they didn't have somebody available and she says she never received an e-mail Witten from Auto Nation I guess when everyone you know that we were checking in without a nation they were invited to be on this program we wanted them to join us so why did they not want to repair these cars I mean there's no cost to them right. You know which part of what makes this ridiculous is that the onus on repairing the recall gainful should be on the manufacture of the car in question and we actually did in our survey we found several locations where there was an unused but it was a exceeding where there was a use recall the vehicle for sale at an underneath at an automation dealership that partnered with the manufacturer where they presumably could have done the repair on site get a vehicle with another paired recall is still up for sale so many are calling on automation to return to their pledge in 2015 which should not be any sort of significant financial burden on them but it's really what is owed to the consumer because this practice is extremely dangerous and customers of automation consumers who have bought recall vehicles have been killed or injured sometimes within hours of purchasing the car and taking it off the sale slot so what did I don't know did you reach out to Auto Nation. Alternation do about the report and also in their response they've been saying that they do disclose any recalls to the consumer but that is just in suspicion because the extreme safety risk might be very seriously downplayed to the consumer and as well they can't guarantee that the disclosure happens in a clear manner every time and just by selling these recall the vehicle people are immediately in danger by getting behind the wheel of the car it's not only the drivers in the passengers but anyone who shares that road and again by making that former pledged we know that the dealership knows just how dangerous this can be so what changes do we need to make you believe our nation should change their ways and go back to what they what you say they promise to do in 2015 I bought a car larger there be a long saying in the armor is that you have to resolve all of these recall issues before you can sell a car. Yeah well so we believe that these practices that automation and actually other dealerships previous research has shown that this practice is a is an industry wide problem but we believe that this may all be illegal and may be violating laws to protect Californians as well as laws in other states from misleading or deceptive practices Sautter false advertising because automation is advertising it's the call to be called as a worry free we are also calling on the attorneys general to use these existing laws to target this practice and to make sure that consumers are not buying dangerous vehicles as well senators Blumenthal and barky in the u.s. Senate had introduced legislation that would make it illegal to sell a used car with the state you recall just like already exists for selling new vehicles are Renshaw the Eccles but that legislation is currently stalled in the u.s. Senate and has not seen any progress so we would like to see local legislators and attorneys general taking action on this practice as well as making progress on the national level what do you do you get from Cal Pers try to you are very sure you've taken time to talk to say and I hope you'll stay and try to let us know if anything changes along those art will do you thank you for having me here when we come back what you need to know before purchasing a lot ter care right or do you remember why don't. You Lou. Take a g.o.p. 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Simply put Ok Very good he did a good job with that I was using before earlier in the show saying We'll tell you what that sentence means oh. You know long term care insurance stand alone insurance. You know it's had a lot of issues has it. It has an inside of the article I wrote about g.e. Having to increase their long term care policies now some people my argue and say well the newer long term care policies are priced much better and that's not going to happen as much are very minimal but one there's always a chance I don't want to to keep going down that road Thank you thank you for saying that Carlos just to explain to people kind of phrase interrupt and. Say when I'm wrong on this what happened is people would buy these long term care insurance policies pay on time like $20.00 or 30 years and then the insurance companies say wow we're not going to make any money on this if you get fixed or just canceling all of these policies and people who had paid when they were least likely to be sick in their late forty's fifty's all of a sudden they were without insurance or without their money that I get that right Carlos here you're hit the nail on the head in fact when I was a unit manager for one of the insurance companies that I started in the business I noticed a lot of their clients that were not my clients but had a long term care policy for 20 years Kate on it recouped religiously and then came the time where they actually need the services and the insurance company was denying the claim now there are better insurance companies and other ones but that was a problem with the long term care industry is that they took in too much risk and then for us and some of the articles that have been out that been out in the last 20 years they have not paid on their claims Yeah they make you sue them to get the money. Which is horrible which is our will show and that's one thing that you keep the policy a bunch of I'm going to say that never mind thanks for all the money and then you know there you are you're you know you're 72 no one wants to sell you one of these policies now. And not only that too but now your health is a lot different than maybe 1015 years before and the other part that I think a lot of people had a sour taste in their mouth is that they pay on these policies for so long maybe they received an increase you know 2030 percent they said you know what forget it I don't even want this policy anymore they get nothing so that right now is huge increases and people just couldn't afford I talked to a lot of people that were in that situation which is just a tricky way for some of these companies to drop out because if you give people those kind of increase and say they know tons I'm going to have to say no. And as always you know when I write these articles I like to go very general on typically in another article that I'll suggest that your listeners read is the 6 options to fund long term care retirement so typically what I'll do is I will do one article that's very general and an overview and then this article is a little bit more into the actual. Products that are out in the market but I'll get I'll get a lot of backlash from insurance agents that are that are pushed into long term care insurance and are trying to constantly battle with me as to why they're right but I think that a day you have to really watch out for the consumer and maybe in certain situations long term care insurance policies make sense and a lot of other situations a lot of these what we call alternatives make a lot more sense so this is really an alternative that you're talking about because you're tying your long term care to either an annuity which is basically a personal pension or to a life insurance policy correct. And they're very and they're very specific so it's not like you can go out and just purchased an year old annuity and then turn into long term care it has to be an actual long term care annuity or a long term care rider on a life insurance policy there's really one piece that's out that it's perfect it's the Pension Protection Act of 2006 that went into effect in 2010 and I'll give you just a really quick example let's just say you had a regular annuity that you purchased for 100000 dollars 15 years ago and now it's worthless just a $350000.00 Well typically you have to pay taxes on your gains because annuities you pay ordinary income tax what this says is that you can actually exchange that annuity for an actual long term care annuity and if you use those benefits for long term care costs you don't pay any tax on the money. That's because they want people to fund themselves right absolutely they they need the statistics are out there and I'm on the statistics and for me this time but the to 6 are that the federal government pays the majority of long term care claims so they want to make sure that they kind of push that off and give a lot more incentives to the consumer to do something else and I will typically say any other plan that you do because a lot of times you can implement planning depending on let's say your and with an attorney when everything everything is as at its worst point but. They're just giving a lot of incentive to make sure that you go ahead and preplan ahead and not get into that mode where essentially the government has to pick up the costs so what do you give up if you add a long term care rider to 2 annuity how much money are you giving up amuck. You know it really depends on each each new it a carrier or insurance company there are some that I've quoted before because what I like to do is I like to go out and look at what age insurance company is offering and some of them they're going to charge you substantial for that long term care component to it so let's just say if you get into 11 particular insurance company you may they may charge you a premium tens of thousands of dollars and your policy will always be less than what you put in and there are other insurance companies where no matter what on their guaranteed side they will always credit some interest per year so no matter if you've never used it you're beneficiaries will receive something how do you handle your own part of law right now right now I years ago I had a long term care insurance policy and I got rid of it but right now I'm in the midst of getting a life insurance with a long term care rider on it and it is and is very difficult for me at least because I am still very young and we don't know where this will go because right just like everything else there's only so much time where the popularity of these products and maybe the claims will force the insurance companies to change maybe some of the provisions on them but. Personally if I were younger I would look into a life insurance policy with a long term care right or just a lot more benefits and there's a lot more tax free death benefits with a life insurance policy if you're older and everything depends on what situation you're in obviously your health is an important factor but if you're older possibly the annuity might be the better option. It is you know a lot of people start thinking about this about the time that their workplace shelves and they're not going to work there anymore everybody guys act like there's all those retirement planning the vast majority of people lose their job before they're ready to retire so even if they're doing Ok financially they haven't yet really kind of you know thought that much about long term care insurance you've met a lot of those people I'm assuming right oh all the time all the time in fact a lot of times. I'm always speaking with a lot of elder law attorneys and a lot of times they even say that their clients will always wait until the last minute to do something so we live and we live in a society where procrastination is key. But there are quite a few people out there that do you plan ahead and that's great but you are correct in saying that a lot of people do wait until everything hits the fan so what Yeah yeah Carlos