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Chris Meeting May 31, 2026 (SEC.Gov)

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[luke ] 18:05:57

fill a few of those out when we moved. So are we… are you doing that for your estate and the foreign grinder and everything?

[Chris Nero] 18:06:00

For everything.

[luke ] 18:06:02

Everything, okay

[Kimberly Byrd] 18:06:03

Yeah, it is

[luke ] 18:06:03

Got it. I got some work to do.

[Kimberly Byrd] 18:06:06

It's not going to take you long for sure.

[luke ] 18:06:09

No, no, those forms are pretty easy. I fill them out for all four of those EINs already and

[Kimberly Byrd] 18:06:11

Yeah.

[Chris Nero] 18:06:15

Sorry, go ahead.

[Kimberly Byrd] 18:06:15

Yes.

[Kimberly Byrd] 18:06:17

Super easy.

[luke ] 18:06:18

I think it was 8822B maybe for the trust

[luke ] 18:06:23

I just did a couple

[Kimberly Byrd] 18:06:24

But for change your address

[luke ] 18:06:26

Yeah.

[Chris Nero] 18:06:26

To change the address, yes.

[Kimberly Byrd] 18:06:28

I'mma tell you right now, give me one second.

[luke ] 18:06:31

I did it a couple months ago and

[luke ] 18:06:34

I've gotten stuff from the IRS since and it was correct.

[Kimberly Byrd] 18:06:41

Oh my God

[Kimberly Byrd] 18:06:45

Looks like it's just going to be us today.

[Chris Nero] 18:06:48

That's okay, we're going to have an interested meeting.

[Kimberly Byrd] 18:06:51

Yeah, we sure are.

[Kimberly Byrd] 18:06:54

One second, one second, one second.

[Kimberly Byrd] 18:06:59

I carried this book with every time Chris talked to me, I'd be in this book writing stuff, you know what I'm saying?

[Chris Nero] 18:07:07

It's the journey.

[Kimberly Byrd] 18:07:09

Yeah, I got it, you know, because I gotta make sure I get the information correct and whatnot

[Chris Nero] 18:07:14

Mm-hmm.

[Kimberly Byrd] 18:07:15

And the only way to do it is to write it down, write it down, write it down

[Kimberly Byrd] 18:07:21

Alright, move here.

[Chris Nero] 18:07:33

So, look, what else have you done, Luke?

[Chris Nero] 18:07:36

Tell us. Your wings.

[luke ] 18:07:40

Well, you remember three, four months ago when I had that notice of getting sued and we had Chris on the three-way

[Chris Nero] 18:07:41

Any?

[Chris Nero] 18:07:47

Yeah.

[luke ] 18:07:49

Yeah, I hadn't heard back from them in a few months. And then

[luke ] 18:07:55

I actually received a 1099-C saying they canceled the debt like a month ago

[Kimberly Byrd] 18:08:00

Oh, wow, look at that

[Chris Nero] 18:08:01

Make sure you save that. And do you check, um…

[Chris Nero] 18:08:05

The case number… on the case number of the court, to make sure it's dismissed or something.

[Kimberly Byrd] 18:08:05

Yeah, transfer

[luke ] 18:08:10

I… so they never actually sued me, it was a

[luke ] 18:08:14

You know, we're gonna sue you if you don't do this

[Kimberly Byrd] 18:08:18

It was a scare tactic.

[Chris Nero] 18:08:18

Yes.

[luke ] 18:08:19

Yeah, well, yeah, they will sue me within seven days and Renee and Chris and we sent them something quick and then I got a 1099C

[luke ] 18:08:26

it's gone.

[Kimberly Byrd] 18:08:27

Wow

[Chris Nero] 18:08:28

Perfect.

[luke ] 18:08:28

It was, like, over 20 grand so I guess

[Kimberly Byrd] 18:08:31

And we've been asking for those for a while. I haven't gotten one yet.

[Chris Nero] 18:08:35

Mm-hmm.

[luke ] 18:08:35

And then another one with Chris's letters, I did conditional acceptance, second letter, the third, it was a city credit card and I got a 1099C and that was for my wife.

[Chris Nero] 18:08:46

Awesome, awesome, awesome.

[Kimberly Byrd] 18:08:47

Oh.

[Kimberly Byrd] 18:08:48

Yeah.

[luke ] 18:08:48

So I haven't been

[luke ] 18:08:50

We only have this one account, and I think I'm good. Everything else should be… should be done.

[Kimberly Byrd] 18:08:55

You think everything is ready.

[Chris Nero] 18:08:56

Hi, Nicole, how are you?

[luke ] 18:08:59

Yep.

[Nicole Pacheco] 18:08:59

Hi there. Hi there. I'm good. How are you guys?

[Kimberly Byrd] 18:09:01

Ari?

[Chris Nero] 18:09:02

We're doing great!

[Kimberly Byrd] 18:09:02

We're doing pretty good.

[Kimberly Byrd] 18:09:04

Yeah.

[Nicole Pacheco] 18:09:05

Awesome.

[Kimberly Byrd] 18:09:06

Yeah, yes, yes.

[Chris Nero] 18:09:08

Tell us what you are, Nico!

[Nicole Pacheco] 18:09:11

Okay, so I have a question for you guys.

[Kimberly Byrd] 18:09:11

Anyone

[Nicole Pacheco] 18:09:15

I'm guessing this is a yes, but I was thinking maybe this process, I can start working on

[Nicole Pacheco] 18:09:22

Rebuilding my credit, sending letters to

[Nicole Pacheco] 18:09:27

The three credit agencies, because I know I've had a couple of collection agencies, and that has, like, dropped the punctuation on my credit.

[Kimberly Byrd] 18:09:37

-H

[Nicole Pacheco] 18:09:39

So I don't know if I can start with that.

[Chris Nero] 18:09:44

But you're sending your package to the Treasury?

[Nicole Pacheco] 18:09:44

You know, just to tackle

[Nicole Pacheco] 18:09:48

The credentials, yeah.

[Chris Nero] 18:09:50

Okay, good.

[Nicole Pacheco] 18:09:51

Well

[Nicole Pacheco] 18:09:52

Yeah

[Chris Nero] 18:09:53

Alright.

[Kimberly Byrd] 18:09:53

So this 982. That's the form number.

[Nicole Pacheco] 18:09:56

Okay.

[luke ] 18:09:57

980, okay. I knew it was 82 in there

[Chris Nero] 18:09:58

Um, 982.

[Nicole Pacheco] 18:10:00

You said 982?

[Kimberly Byrd] 18:10:01

Yeah, but change your address with the IRS.

[Nicole Pacheco] 18:10:05

Okay.

[Chris Nero] 18:10:05

Yes. Um, uh, Nicole?

[Chris Nero] 18:10:08

For your next step, we're gonna want you… you do have your trust bank account, correct?

[Nicole Pacheco] 18:10:09

Yeah?

[Nicole Pacheco] 18:10:17

Yeah, it's the same one that I used for the,

[Nicole Pacheco] 18:10:21

For the payroll

[Nicole Pacheco] 18:10:22

It's like the… it's the only account that I'm using right now.

[Chris Nero] 18:10:26

Yeah, I understand where it's the only account that I'm using, but…

[Chris Nero] 18:10:30

The other question will be, um, the other thing would be for you, Nicole, try to get a P.O. box.

[Nicole Pacheco] 18:10:37

Okay.

[Chris Nero] 18:10:38

That's gonna be your next step, and then we can talk about what to do with your…

[Chris Nero] 18:10:44

credit, and all that stuff.

[Kimberly Byrd] 18:10:46

Yeah.

[Nicole Pacheco] 18:10:46

Okay, yeah, I'll work on the PO Box. I used to have one with USPS.

[Kimberly Byrd] 18:10:52

-H

[Nicole Pacheco] 18:10:53

But I

[Chris Nero] 18:10:53

Preferable with the USPS.

[Nicole Pacheco] 18:10:56

Yeah, yeah, it's just that I stopped paying for it, but I can just go over there and open it up again. So I can make the commute on Thursday because it's easier for me to go over there and just open the new Box account

[Kimberly Byrd] 18:11:11

Okay, excellent

[Chris Nero] 18:11:11

Yep, do that.

[Nicole Pacheco] 18:11:13

Okay.

[Chris Nero] 18:11:13

Then we will guide you through what to do next, um, look for you, too, once you guys have the PO Box.

[luke ] 18:11:21

Yep, I'll get that done this week.

[Nicole Pacheco] 18:11:22

Okay, perfect.

[Chris Nero] 18:11:22

Mm-hmm.

[Kimberly Byrd] 18:11:24

I don't want to overwhelm you with information, you know, of what you want to do when you get it. Let's get it, and then we can actually

[Nicole Pacheco] 18:11:32

Okay

[Nicole Pacheco] 18:11:33

Yes.

[Nicole Pacheco] 18:11:35

I sail… I mean, Screw's gonna be on this meeting, I still would like to go over the last meeting, because I know it was a lot of information

[Chris Nero] 18:11:42

Um,

[Nicole Pacheco] 18:11:42

That I probably need to, like.

[Nicole Pacheco] 18:11:46

Listen to again

[Chris Nero] 18:11:46

Yeah, I can… I can send you the recording, um, right after this meeting, I'll send it to you.

[Nicole Pacheco] 18:11:50

Okay.

[Nicole Pacheco] 18:11:53

Okay, thank you, Raina.

[Chris Nero] 18:11:54

No problem.

[Nicole Pacheco] 18:11:58

What was that?

[Chris Nero] 18:11:58

So…

[Kimberly Byrd] 18:11:59

And do you have any questions that we can answer?

[Nicole Pacheco] 18:12:03

Well, I would like to listen to it again because I know there was a lot of information that I like need to listen to again to catch up on it.

[Kimberly Byrd] 18:12:11

-H

[Nicole Pacheco] 18:12:12

And he said a couple things that were important to read. And I don't remember exactly which things, so that's kind of like I want to listen to it again just to make sure.

[Kimberly Byrd] 18:12:16

Yes.

[Kimberly Byrd] 18:12:23

I agree with you, because if you don't know how you're going to stop it?

[Nicole Pacheco] 18:12:27

Yeah, exactly, exactly, yeah.

[Kimberly Byrd] 18:12:29

So definitely review it so we can go over it with you.

[Chris Nero] 18:12:34

Hey, John.

[Kimberly Byrd] 18:12:36

Good.

[Jonathan Colwell] 18:12:37

Hey, y'all, sorry I'm late, I was eating and see what time it was.

[Chris Nero] 18:12:40

Nah, you're good, just on time.

[Kimberly Byrd] 18:12:42

No worries

[Chris Nero] 18:12:45

Where you are, John?

[Chris Nero] 18:12:47

With, uh, everything, credentials, EIMs, everything, where you at?

[Kimberly Byrd] 18:12:48

Thank you.

[Jonathan Colwell] 18:12:52

We're still getting my mortgage documents worked on, but no, I haven't done the EINs yet. We've been at

[Jonathan Colwell] 18:12:59

A bunch of stuff going on over here, I know.

[Chris Nero] 18:13:01

Okay.

[Jonathan Colwell] 18:13:02

What?

[Jonathan Colwell] 18:13:04

Thank you.

[Kimberly Byrd] 18:13:04

So what does that mean? You having a lot of stuff, a lot of life happening

[Jonathan Colwell] 18:13:10

We had, yeah, I had

[Kimberly Byrd] 18:13:12

Okay, no worries, you don't have to explain it because all of us got life happening, so don't worry. We understand.

[Jonathan Colwell] 18:13:18

Yeah, we had

[Jonathan Colwell] 18:13:21

We went to… I can explain it real quick. We just went to this big biohacking event that was, like, 4 days, and we had to prepare all the marketing for it, and it was like a

[Jonathan Colwell] 18:13:31

Time is of the essence type of thing. It's not like I can do this, I can do the EINs later, it's not going to

[Jonathan Colwell] 18:13:37

But this is something that was already scheduled that I have to get done. But

[Kimberly Byrd] 18:13:42

Okay, no

[Jonathan Colwell] 18:13:42

And then we have to get my mortgage documents finished too.

[Kimberly Byrd] 18:13:48

Okay.

[Jonathan Colwell] 18:13:49

That's really important. That's like the most important thing. The EIN is

[Jonathan Colwell] 18:13:53

doesn't have any time of the essence type of thing, like the mortgage does. If I don't get the mortgage documents, then

[Jonathan Colwell] 18:13:59

I could lose my house.

[Kimberly Byrd] 18:14:00

Yeah, that's true.

[Kimberly Byrd] 18:14:03

True, true, true.

[Jonathan Colwell] 18:14:05

Yep, but anyway

[Jonathan Colwell] 18:14:08

Huh?

[Kimberly Byrd] 18:14:11

Well

[Jonathan Colwell] 18:14:11

Yeah, we can do it this week, we don't have much to do besides what we were doing now, so

[Kimberly Byrd] 18:14:15

Okay.

[Kimberly Byrd] 18:14:17

Hey, no worries at all. So, what I want to do is, Raina, you want me to go over

[Chris Nero] 18:14:21

Yeah. Go ahead.

[Kimberly Byrd] 18:14:23

Okay, so Chris asked us to go over with everyone utilities. So has anybody else been working on the utilities besides myself and Reyna? Luke, you?

[luke ] 18:14:35

I wanted to get started now that I had moved, we were a little unsure. So I definitely am interested and I'll be listening hardcore here

[Kimberly Byrd] 18:14:40

Okay.

[Kimberly Byrd] 18:14:43

Oh yeah, it's really simple, but Chris made it even more simplistic because now we have a POA. And that's a power of attorney form in which you'll elect like Raina is my POA and I'm her POA

[Kimberly Byrd] 18:14:58

So, essentially, I'm sending information to her utilities as her POA, standing in front for her. And I have to tell you, psychologically, if it feels better to have somebody else do you, and then so you do theirs, you know what I'm saying?

[luke ] 18:15:17

Yeah, no, I like

[Chris Nero] 18:15:18

And from the other side, too, they see it as, oh, wait a minute, there's somebody else in the…

[Kimberly Byrd] 18:15:18

Because when you

[Chris Nero] 18:15:24

In this now, in both, you know? So, yes. Mm-hmm.

[Kimberly Byrd] 18:15:26

bias is quite important. Yes. So the POA is super important. So you'll have to figure out what could he do his wife and his wife do him? Nope. Yeah, so me or Raina

[Chris Nero] 18:15:36

No, they cannot.

[Chris Nero] 18:15:37

Yeah.

[Kimberly Byrd] 18:15:40

It might have to be a POA. You can decide

[Chris Nero] 18:15:43

Wait, the POA, yes, the POA, they can be each other POA, they just… he just cannot not notarize each other.

[Kimberly Byrd] 18:15:51

Okay, alright, then there we go.

[Chris Nero] 18:15:51

Yes, but POA to each other, they can, yes.

[luke ] 18:15:52

Okay.

[luke ] 18:15:54

Perfect, good question.

[Kimberly Byrd] 18:15:56

So, so now you have that, but anyway, when you're dealing with the utility companies, Chris asked us to find out who is the trustee. Now, when I was dealing with my house, I said, stop it

[Kimberly Byrd] 18:16:09

When I was dealing with the house, one second, hold on one second. My dog's gonna go crazy.

[Chris Nero] 18:16:17

This is very interesting, and… and…

[Chris Nero] 18:16:21

it makes everything so much easier.

[Chris Nero] 18:16:24

you know, when dealing with utilities and all these companies,

[Chris Nero] 18:16:28

You know? And just like Kim says, it takes the taste away the burden.

[Chris Nero] 18:16:33

that you get dealing yourself with it, you know? And you get quicker answers.

[Chris Nero] 18:16:38

You know? So, it's pretty…

[Jonathan Colwell] 18:16:40

When you do the power of attorney? What makes it easier?

[Chris Nero] 18:16:44

have somebody else…

[Chris Nero] 18:16:47

Go ahead.

[Nicole Pacheco] 18:16:49

Which in this case could be you, you guys or I mean, someone from from our from the team

[Kimberly Byrd] 18:16:55

Yeah, because nobody else knows what you're doing. They wouldn't even understand, you know, if you say, hey, can you be my POA to your mom or to your sister? You're like, what are you talking about? So likely that wouldn't be the best thing to do. But I'm sorry to jump in, Raina.

[Chris Nero] 18:16:55

Yes.

[Chris Nero] 18:17:10

No, no, go ahead.

[Kimberly Byrd] 18:17:11

I was just saying that so utilities, normally when I was involved with my house in the very beginning, I was told to go onto the SEC

[Kimberly Byrd] 18:17:20

Online, so I'm gonna tell you what the SEC stands for. You probably know John already, but it's the U.S. Securities and Exchange Commission, and it's a federal agency that's responsible for regulating security markets, protecting investors, and ensuring that public companies provide accurate and timely

[Kimberly Byrd] 18:17:36

Disclosures. So that means we get to see their financials. They're supposed to publicly show that online. They can't hide it. Everybody has to do it. So they have the 10 K, which is an annual report, the 10

[Kimberly Byrd] 18:17:52

Which is a quarterly report that Form 8K, that's a current report, and Form 11K is Employee Benefit Plan Report

[Kimberly Byrd] 18:18:01

Now, back to my house. So I needed to know because I wanted to send correspondence before I ever met Chris. I knew I wanted to send correspondence like the 1099, because, you know, I had filed it from my home to extinguish the debt.

[Kimberly Byrd] 18:18:14

I needed to know who the trustee is. The trustee is either the CEO, the chief executive officer that's running the company or appointed to run the company, but you want to send them a letter certified, and let them know what your intentions are.

[Kimberly Byrd] 18:18:30

So now

[Kimberly Byrd] 18:18:32

Since Chris created the POA, because we were just sending less, like I said, with my mortgage, I just sent a letter to the trustee, and it was easy to find them, but they're getting more slick and slick, because now it seems like what I'm looking at, like, for instance.

[Kimberly Byrd] 18:18:48

I look for the trustee of

[Kimberly Byrd] 18:18:54

The trustee of Aqua America

[Kimberly Byrd] 18:18:57

Because Aqua America is my water company. And when I look for that, it told me the primary trustee and indentured agent for

[Kimberly Byrd] 18:19:07

Aqua America is the US Bank national association handled by Corporate Trust Division. So they're getting a little slick. They're not naming one person so that you can send letters to that one person. You got to figure it out. So what I did was

[Kimberly Byrd] 18:19:24

I went and I googled, who are the executives, and then I just took the top person, that's the CEO, and that's who I send… I'm going to send my… well, Raina's

[Nicole Pacheco] 18:19:36

I was gonna ask that, like, where do you find the trustees of the company that you're gonna

[Kimberly Byrd] 18:19:41

Well, Raina has a list that she's gonna send out to everybody. It's a URL, and you just tap it, and you put in your company name, and then it'll come up, the SEC, or the 10K, or the 8K will come up, and you just look on it

[Nicole Pacheco] 18:19:45

Okay.

[Kimberly Byrd] 18:19:57

I'm going to tell you, I've looked, like, a couple times for certain, utilities or companies, and they're getting slick because they're saying the bank is the trustee. Okay, so the bank is the trustee. Well, who's the trustee of this bank? U.S. Bank National Association. Let me look that up. Is it a person?

[Kimberly Byrd] 18:20:15

You know what I'm saying? Because it's gotta come down to one person that's in charge. The bank is not

[Kimberly Byrd] 18:20:21

a person, you know what I'm saying? So, anyway, Chris wanted us to go over that with you guys, because since we have the new POAs that we're going to be attaching and sending a letter with it, a reconciliation along with the POA, and you haven't seen the reconciliation letter, but you will

[Chris Nero] 18:20:21

Person. Mm-hmm.

[Kimberly Byrd] 18:20:41

But we're going to send those two together to whoever the trustee is for your utilities. And I think for even cases that you have in court. So it's a brand new ball game now that we have the POA and the reconciliation

[Kimberly Byrd] 18:20:57

letter

[Kimberly Byrd] 18:20:58

So that's what he wanted us to go over. And so I'm going to tell you what the Form 8K is. That's a current report. The A-K is filed when a company experiences a significant event that shareholders should know about. CEO resigns or terminated merger, acquisition

[Kimberly Byrd] 18:21:14

Bankruptcy filing, major lawsuit, significant cybersecurity breach, earning results release, change in auditors, sale of a major business division, material contract signed or terminated. So, and then you go to the form

[Kimberly Byrd] 18:21:31

11K, which is employee benefit plan annual report, and that's an annual report filed for employee benefit plans such as 401ks, employee stock ownership plans, and saving plans that invest in company stock

[Kimberly Byrd] 18:21:46

What it contains audit financial statements, assets held in plan, contributions made by the employees and employers, investment performance, administrative expenses, and who files it

[Kimberly Byrd] 18:21:58

The filing is usually submitted on behalf of the employee benefit plan sponsored by a public company. Why does it matter? The Employee Retirement assets, the amount of company stock held in retirement plans, employee confidence in the company, and retirement plan management.

[Kimberly Byrd] 18:22:14

So those are the things that you're going to look at when you look under the SEC for each company when you're looking at your utilities company, when you're looking at Discover card, for example, are you looking at

[Kimberly Byrd] 18:22:29

another credit card, Capital One, for example. You'll look at the SEC or the 11K or the 8K, and you're going to look for a trustee. And I actually have one… I'mma pull it up and see if I can share it with you guys, because I want you to see this one.

[Kimberly Byrd] 18:22:47

Alright, one second.

[Kimberly Byrd] 18:22:49

Wait a minute here

[Kimberly Byrd] 18:22:52

Okay, so what I did was

[Kimberly Byrd] 18:22:55

I looked up PICO, and let's see if I can share this. How can I share this with you?

[Kimberly Byrd] 18:23:01

Let me go into my thing here

[Kimberly Byrd] 18:23:04

Okay, share

[Kimberly Byrd] 18:23:07

Okay, where is my PICO report?

[Kimberly Byrd] 18:23:11

Mailbox calendar, documents.

[Kimberly Byrd] 18:23:15

Okay, whiteboard now

[Kimberly Byrd] 18:23:18

I want to share a document

[Kimberly Byrd] 18:23:22

Okay, nope, don't want to do that

[Kimberly Byrd] 18:23:26

Okay, come on.

[Kimberly Byrd] 18:23:29

Let me… bear with me for a second. Oh my god.

[Kimberly Byrd] 18:23:32

Okay, let's share this again document

[Kimberly Byrd] 18:23:38

Sure

[Kimberly Byrd] 18:23:39

and it's up

[Kimberly Byrd] 18:23:41

So I should be allowing you to see

[Chris Nero] 18:23:43

Does everybody understand what Kim was saying so far?

[Kimberly Byrd] 18:23:49

Hello?

[Kimberly Byrd] 18:23:50

Everybody there?

[Chris Nero] 18:23:51

Yes.

[Nicole Pacheco] 18:23:51

Yes, yes?

[Kimberly Byrd] 18:23:52

Okay, alright.

[luke ] 18:23:53

Yes

[Jonathan Colwell] 18:23:54

Yes

[Kimberly Byrd] 18:23:54

I'm trying to

[Kimberly Byrd] 18:23:57

I just get under this one

[Kimberly Byrd] 18:24:00

Man, too much stuff on my phone. Open, click that

[Kimberly Byrd] 18:24:05

That's get this one… okay, so let me

[Kimberly Byrd] 18:24:09

Open this up again. SEC. All right, here it is.

[Kimberly Byrd] 18:24:14

Okay, so I have it up

[Kimberly Byrd] 18:24:17

Now I'm trying to figure out how to share it. All right, Raina, I'm gonna send it to you because

[Chris Nero] 18:24:22

Go ahead.

[Kimberly Byrd] 18:24:24

I'm not sharing it the correct way. I'm just pulling on straws. But I just wanted everybody to see this. That's why I saved it. Alright, so here it comes to you, Raina.

[Chris Nero] 18:24:31

Yeah.

[Chris Nero] 18:24:34

What's up?

[Kimberly Byrd] 18:24:36

Yeah, one was that there it is. I sent it to you so you can pull it up so we can all look at it.

[Kimberly Byrd] 18:24:46

Just to give you, get you familiar with what you're looking at, so you're just not looking at something like, what the heck is this?

[Jonathan Colwell] 18:25:00

I don't see anything. Oh, there I go.

[Kimberly Byrd] 18:25:01

Not yet. Raina's, pulling it up.

[Chris Nero] 18:25:04

Can everybody see it?

[Kimberly Byrd] 18:25:05

Let me know

[Jonathan Colwell] 18:25:07

Yes.

[Nicole Pacheco] 18:25:07

Yes

[Kimberly Byrd] 18:25:08

So, you see it's the SEC, the Securities and Exchange Commission form S3. Registration statement. So go up a little bit, Raina.

[Kimberly Byrd] 18:25:19

Now, I want to point this out. If you look to the left and the right, right, you see the employee identification number on both sides. So one is they got an Exeline Corporation, and then they got the Exelon generation company LLC.

[Kimberly Byrd] 18:25:34

The one I would be looking for if I was suing them, or if I was doing a 1099, would be that one Exeline corporation, the EIN that Raina has highlighted on the left side.

[Kimberly Byrd] 18:25:46

Their EIN is important when you are dealing with them in courts, you're dealing with them on the 1099s. That goes in there

[Kimberly Byrd] 18:25:53

For them, we all understand that

[Nicole Pacheco] 18:25:57

Yes.

[Kimberly Byrd] 18:25:57

All right, so see how they're getting a little slick. I'm trying to find out who is the trustee. So they tell me that they got excellent capital trust number one, number two, number three. So go up a little bit.

[Nicole Pacheco] 18:26:08

Okay, I have a question. I'm sorry. Does this form, can you find this form?

[Kimberly Byrd] 18:26:14

When I

[Nicole Pacheco] 18:26:15

just doing a good search

[Kimberly Byrd] 18:26:16

when I typed in on the URL that Raina has that she's going to send to everybody. When I typed in Pico Exelon Corporation, this came up. It'll be a bunch of them, so you might have to hit on them all to see if you see a trustee's name.

[Kimberly Byrd] 18:26:32

But this one came up first, so I tapped on it, and I was like, oh, okay, I see what's happening here. If I had… if I needed the EIN to put on the 1099

[Nicole Pacheco] 18:26:32

Okay.

[Kimberly Byrd] 18:26:41

This is good because they giving me the EIN

[Kimberly Byrd] 18:26:44

You understand? Most people don't know how to find the EIN information. They can Google it. Sometimes, if you Google, you'll find EINs as well, but this is a great way to get the EINs, because, as you can see, PICO is trying to be more than transparent

[Nicole Pacheco] 18:26:45

Okay.

[Kimberly Byrd] 18:27:00

Right in this. So go up a little bit, Raina.

[Kimberly Byrd] 18:27:06

So when you look down there, you see the name Matthew F

[Kimberly Byrd] 18:27:12

Hill Zinger

[Nicole Pacheco] 18:27:13

Yeah.

[Kimberly Byrd] 18:27:14

He's the senior financial president and chief financial officer. Now they're not telling you that he's the trustee, but he's the head guy because you got Bruce over there on the left and you got Robert on the right. He's an Esquire. They're both attorneys. So they holding up Mr. Matthew Zinger.

[Kimberly Byrd] 18:27:30

But because they're not telling me who the trustee is by naming it, Mr. Matthew Zinger is a trustee, you can almost assume that Mr. Matthew Zinger, F. Zinger, is the guy that you're gonna send that letter to with the POA

[Kimberly Byrd] 18:27:45

And the reconciliation too, you know what I'm saying?

[Kimberly Byrd] 18:27:49

So we all understand what I just said, right?

[Nicole Pacheco] 18:27:53

Yeah.

[Kimberly Byrd] 18:27:53

In some cases, they're not flat out saying, trustee Matthew Zinger. Not doing that. They're not hiding it, but it's a little elusive. Is that a good word for it? Like it's in your face, but you looking for that word trustee and it's not there

[Kimberly Byrd] 18:28:11

So you go to the head

[Kimberly Byrd] 18:28:13

Cut the head off

[Kimberly Byrd] 18:28:15

And it looks like Matthew's the head and he has his 2 little minions, the Esquires on the left and right that's protecting him

[Chris Nero] 18:28:21

Yeah, so it could be, like, a CEO, like, in this case, chief financial.

[Kimberly Byrd] 18:28:27

-H

[Chris Nero] 18:28:28

officer, you know, like, they play around with the words.

[Kimberly Byrd] 18:28:32

And financial officer is good because he what finances? He got the money. He's looking at the money, he's handling the money. He's doing stuff with the money. That's what a chief financial officer does. So I just wanted you to see this

[Chris Nero] 18:28:39

Mm-hmm.

[Kimberly Byrd] 18:28:44

So when you look at it, you'd be like, what am I looking for? What am I looking for? Sometimes it ain't gonna say trusty. It may say something like this. Other times, it may say what I told you that the other one said, the primary trustee and indenture agent

[Kimberly Byrd] 18:29:00

is U.S. Bank National Association.

[Kimberly Byrd] 18:29:03

So they're not naming anybody. Check y'all out. Y'all just trying to be real elusive, so I can't get a name and then send you one of my lovely, letters and whatnot.

[Kimberly Byrd] 18:29:17

And that's okay, but I wanted to show you that. So back to what we're talking about, and that is Raina will send over the URL. And for each one of your utility companies and not just utility companies, even your real estate tax

[Kimberly Byrd] 18:29:33

Find out who the trustee is for that because I have a real estate tax bill here in

[Chris Nero] 18:29:37

Hey folks

[Kimberly Byrd] 18:29:37

Huh?

[Chris Nero] 18:29:39

Hey, Chris!

[Kimberly Byrd] 18:29:39

Hi, Chris.

[Chris Nero] 18:29:41

Hey, I'm at the post office right now

[Chris Nero] 18:29:42

Ways.

[Kimberly Byrd] 18:29:45

Oh, okay.

[Chris Nero] 18:29:47

But I had to check my box, because, you know, I get a lot of stuff in here, but… I know you guys are getting

[Kimberly Byrd] 18:29:52

-H

[Chris Nero] 18:29:57

I don't even know how to turn this on, let me see

[Kimberly Byrd] 18:30:01

We can see you. Well, we told you what we needed to open the PO box. We informed them

[Chris Nero] 18:30:02

Oh

[Chris Nero] 18:30:07

Oh, yes

[Kimberly Byrd] 18:30:08

So we're waiting for them to open the PO Box, and then our next meeting, we're going to go over step-by-step of how to go in there and to open up those files on there.

[Chris Nero] 18:30:09

Yes

[Chris Nero] 18:30:18

And then, yeah, and then by that time, I'll have the FPO

[Kimberly Byrd] 18:30:22

Okay.

[Chris Nero] 18:30:22

It's a code. The FPO is a code. I mean, when I went in there to open up the FPO, because we're under military law, the

[Chris Nero] 18:30:34

It was very difficult because even the people here, I had to get the main postmaster. He called me

[Kimberly Byrd] 18:30:41

-H

[Chris Nero] 18:30:41

To get that filed

[Kimberly Byrd] 18:30:43

Oh, wow

[Chris Nero] 18:30:44

It's… there's a form on it, and I think I showed you guys my FBO a while back

[Chris Nero] 18:30:49

But

[Chris Nero] 18:30:51

I want you all to

[Chris Nero] 18:30:56

you know get back on track on what you're talking. This is important for

[Chris Nero] 18:31:01

You folks

[Chris Nero] 18:31:04

And I like the way that you guys are leaning on each other to do that, because eventually

[Chris Nero] 18:31:09

When everything starts going through and working, and I showed Raina thescc.gov

[Kimberly Byrd] 18:31:15

-H

[Chris Nero] 18:31:17

You know who the trustees are. There's different ways of enforcing it. I told Kim something earlier that

[Chris Nero] 18:31:26

The way it should work lawfully is that you get your app on your phone for your bank

[Kimberly Byrd] 18:31:33

-H

[Chris Nero] 18:31:34

You should be able to take a picture of that coupon

[Kimberly Byrd] 18:31:37

-H

[Chris Nero] 18:31:38

and deposited in there, so that you can get those credits back

[Kimberly Byrd] 18:31:43

So we didn't even go through that and tell them about the coupons yet because we wanted them to get the

[Chris Nero] 18:31:49

Oh, yeah, yeah, yeah. So

[Kimberly Byrd] 18:31:49

open up the PO Box

[Chris Nero] 18:31:51

No, so here's what… I have to run, because I gotta go,

[Chris Nero] 18:31:57

My 16-year-old daughter wants… needs me to go pick her up, so, you… all of you folks

[Chris Nero] 18:32:04

that are left

[Chris Nero] 18:32:07

are the last folks that are gonna be able to see

[Chris Nero] 18:32:11

All the little gold nuggets that we have.

[Chris Nero] 18:32:14

And like I said before

[Chris Nero] 18:32:17

If you can just

[Chris Nero] 18:32:19

learn how to imagine this, your coupons, your utilities every month, your car payment, all that goes through

[Chris Nero] 18:32:28

You're gonna get that extra capital. But let's say for whatever reason

[Chris Nero] 18:32:33

that you just get them paid like that, that'd be good too

[Chris Nero] 18:32:38

You can always get that back at the end of the year with the 1099s.

[Kimberly Byrd] 18:32:41

-H

[Chris Nero] 18:32:42

All of it, everything that you spend, you can get back with your 1099s. If you have a PayPal account, a credit card account, these are the things we're going to be delving into

[Chris Nero] 18:32:54

I'm pretty confident that

[Chris Nero] 18:32:57

the road back to the Gibson Equity that I was studying back then that I

[Chris Nero] 18:33:03

Somehow lost my way is going to be

[Chris Nero] 18:33:07

You know, this is going to be the equitable way to get, you know, people out of

[Chris Nero] 18:33:13

Prison, the same way that I was using the SFs, that's the suburgi, the suburgore, the obligee, the obligor, the trustee, the trustor they play word games, folks. You need to you need to have yourself

[Kimberly Byrd] 18:33:16

-H

[Chris Nero] 18:33:30

some sort of way mechanism that you can look up your definitions. Now, keep in mind, a commercial definition is different than a Valentine's. I showed you that today, yesterday, Kim, on that the bench

[Kimberly Byrd] 18:33:42

-H

[Chris Nero] 18:33:45

is a bank

[Kimberly Byrd] 18:33:46

Right. Yes.

[Chris Nero] 18:33:47

But you can find that in a regular dictionary either. I guarantee you can try and Google that, too, and I bet you won't show up.

[Kimberly Byrd] 18:33:53

Right, so the bank is the bench on the document he's put on the What's up at. Everybody see that?

[Chris Nero] 18:34:00

So

[Chris Nero] 18:34:00

So, can you… so I'm gonna let you folks… Luke, I gotta call you tomorrow

[luke ] 18:34:01

Yes.

[luke ] 18:34:05

Okay, yep, thanks for…

[Chris Nero] 18:34:07

All right, and so I just want to tell you folks

[Chris Nero] 18:34:11

that I'm so proud of all of you

[Chris Nero] 18:34:13

And I'm so…

[Chris Nero] 18:34:15

I was very, very ill

[Chris Nero] 18:34:18

I'm still recovering, but

[Chris Nero] 18:34:22

I really feel that the path that we are all going is truly collective soul as a family.

[Chris Nero] 18:34:30

We don't need 5,000 people, I don't need… I said this from the beginning, if I can have, you know, a strong 5, I'm good, you know? But we have a group here, and we're gonna start forming something

[Chris Nero] 18:34:43

That's gonna even be bigger

[Chris Nero] 18:34:45

And I'm actually meeting with some people

[Chris Nero] 18:34:50

And I'm going to be discussing this at some point with all of you.

[Chris Nero] 18:34:54

But for now, I don't want to pull the thunder and light… I don't want to be a thunder thief, so you guys go ahead and continue.

[Chris Nero] 18:35:01

And, if there's anything the next week, by that, you'll have the FPO. We might go into the Treasury Direct. I know some of you have that

[Kimberly Byrd] 18:35:11

-H

[Chris Nero] 18:35:12

There is a way to get redemption, and I'll discuss that with you later

[Chris Nero] 18:35:17

But for now

[Chris Nero] 18:35:20

Listen

[Chris Nero] 18:35:22

to what Kim and Raina have done, because you might hear about that

[Chris Nero] 18:35:28

But you always hear about it's like a leprechaun, but you never you never see it.

[Chris Nero] 18:35:33

Just hear about it.

[Chris Nero] 18:35:34

And in this case

[Chris Nero] 18:35:37

You folks holding your own

[Chris Nero] 18:35:40

You don't need to see what I've done and all the things that I'm doing. Okay, and I don't know, I think, Luke, you've been there a little bit longer, you've seen a lot of the stuff I've done. So what

[Chris Nero] 18:35:51

Does that make me feel… doesn't make me feel better you know yeah parade for Nero but

[Chris Nero] 18:35:58

How was it doing for you? What you're doing for you is right now

[Chris Nero] 18:36:04

And then we're going to start

[Chris Nero] 18:36:08

Collapsing the trust

[Chris Nero] 18:36:11

There should be no way that you shouldn't be able to go to your phone bill

[Chris Nero] 18:36:16

And do this

[Kimberly Byrd] 18:36:17

-H

[Chris Nero] 18:36:19

And I showed where to find all that stuff. Raina, you found your utility, right?

[Chris Nero] 18:36:26

I got them.

[Chris Nero] 18:36:28

You see, you caught them. You need to look at their K-8

[Chris Nero] 18:36:36

They're 11, all that stuff. Once you get that, what I would do is I would get that, push the button

[Chris Nero] 18:36:43

Put it in your AI

[Chris Nero] 18:36:47

Ask the AI

[Chris Nero] 18:36:48

Based on what you see there

[Chris Nero] 18:36:50

Is there any way

[Chris Nero] 18:36:53

to modify your position in the trust

[Chris Nero] 18:36:58

So that you can do an ovation

[Chris Nero] 18:37:01

Just another, you know, Patrick Devine hated innovation

[Chris Nero] 18:37:04

He actually told this one guy, I don't want to hear an ovation came from the French anarchy. What it is, it's a modification, that's all it is. That's what it is.

[Chris Nero] 18:37:15

Twitter and SF 30 is a modification.

[Chris Nero] 18:37:19

You can do that with a trust. You can't do it with a contract. They want you to believe it's a contract

[Chris Nero] 18:37:25

But yet it's a trust.

[Chris Nero] 18:37:28

So continue guys what you're doing

[Chris Nero] 18:37:31

And

[Chris Nero] 18:37:32

I'm just… I'm just grateful

[Chris Nero] 18:37:36

To be actually here because I was I was really, really ill, guys.

[Chris Nero] 18:37:40

And, I should have probably just stopped and not done anything, but

[Chris Nero] 18:37:45

You know, my thing is

[Chris Nero] 18:37:47

Because like I said, in this world

[Chris Nero] 18:37:50

If you're not

[Chris Nero] 18:37:52

Here with purpose

[Chris Nero] 18:37:55

And you don't have the strength to have belief

[Chris Nero] 18:38:00

Then you need to work at it because your frequency

[Chris Nero] 18:38:03

We can all… I don't want to sound like this pseudoscience guy, but we… if our frequency is up, we can do anything

[Chris Nero] 18:38:12

And we will

[Chris Nero] 18:38:13

And we're only going to get stronger. It's the first time I felt, you know, strong in a long time.

[Chris Nero] 18:38:18

And

[Chris Nero] 18:38:21

I really feel like you guys are all just doing so well. But for those of you that still need help

[Chris Nero] 18:38:28

Let's not forget our brothers and sisters in this group

[Chris Nero] 18:38:32

Okay?

[Chris Nero] 18:38:33

So, I'm gonna let you guys go, and next week we'll be putting a little bit more together that have to do… this is a small piece

[Chris Nero] 18:38:42

There's the FPO, because you have to protect your mailbox. They're not it's just

[Chris Nero] 18:38:51

the mailbox is the bank

[Chris Nero] 18:38:55

And listening to back in the day Devine saying that, I thought sometimes, you know, Divine makes up

[Chris Nero] 18:39:02

Like a 1099

[Chris Nero] 18:39:06

V. There's no such thing, but he… his thing was, you can do it. Yes, I get it, you can do it, but

[Chris Nero] 18:39:13

You got to play the game.

[Chris Nero] 18:39:14

The game is full of little nuggets out there

[Chris Nero] 18:39:18

And,

[Chris Nero] 18:39:21

You can, very easily start seeing that all we have in this world is exchanges

[Chris Nero] 18:39:28

That's all we have

[Chris Nero] 18:39:29

And if you just exchange it, like, you know, the thing that you got from Freddie Mac or Fannie Mae

[Chris Nero] 18:39:38

That's the end

[Chris Nero] 18:39:40

V A it's the end you see because now you can that's where they closed it

[Chris Nero] 18:39:48

See, I have Fannie Mae too. I have two of them

[Chris Nero] 18:39:53

And you have to be able to get your redemption from there. And that's what we're doing

[Chris Nero] 18:40:00

for Raina and Carlos and Kim and

[Chris Nero] 18:40:05

We're going to get the redemption because it has to… everything must return to source

[Chris Nero] 18:40:12

That is the law

[Chris Nero] 18:40:15

And because we have not done our job for our state, we are

[Chris Nero] 18:40:20

put ourselves in this position

[Chris Nero] 18:40:23

As Devine used to say, you have nobody to blame but yourself. Now, that said

[Chris Nero] 18:40:29

Equity is not here to punish, it's here to restore. So we have to restore, but we also have to know. And what you guys know right now that Kim and Rain are showing you

[Chris Nero] 18:40:40

This is very powerful. You have no idea, but you will because we're putting things together

[Chris Nero] 18:40:47

Accordingly, okay

[Kimberly Byrd] 18:40:50

All right.

[Chris Nero] 18:40:50

I gotta get this call, guys.

[Kimberly Byrd] 18:40:52

Thank you.

[Chris Nero] 18:40:53

Thank you.

[Chris Nero] 18:40:54

Thank you, Chris.

[Kimberly Byrd] 18:40:57

All right, so

[Kimberly Byrd] 18:40:58

As I was saying

[Jonathan Colwell] 18:41:00

Hey, I have a question. I've been trying to ask it.

[Kimberly Byrd] 18:41:01

Okay.

[Jonathan Colwell] 18:41:04

So

[Jonathan Colwell] 18:41:05

I understand that we, you know, your birth certificate is a trust. These

[Jonathan Colwell] 18:41:12

But we haven't, you know, we haven't occupied the executor or we haven't taken control of it, or we haven't, what are they and removed it. What did he say?

[Jonathan Colwell] 18:41:24

Dissolved the trust. But so these

[Jonathan Colwell] 18:41:30

Utility companies

[Jonathan Colwell] 18:41:32

They are also a trust, or they… I mean, they always operate as a trust, or are they sometimes an LLC with the CEO, or

[Kimberly Byrd] 18:41:40

They're just utility companies, period. What you're trying to do is to get them to understand that you understand there's a voucher attached to that utility payment and that they already got paid. They're trying to make you pay again. You know, that's what we're trying to convey to them that, hey, show us, you

[Kimberly Byrd] 18:41:59

Debt validation, show me where I'm supposed to be paying you $150 a month for electric

[Kimberly Byrd] 18:42:05

You know, when you're already… that coupon is really a coupon for me to cash in. As Chris said, when you… when we show you the next step, with USP… the U.S… what is it, USPB, whatever it is, the post office, the next step is to open up

[Kimberly Byrd] 18:42:20

You guys didn't know this, there's… you can have a trust

[Kimberly Byrd] 18:42:24

And with the post office and an account, because the post office is where… that's the biggest place where all the money is. If you guys know that

[Jonathan Colwell] 18:42:31

Yeah, they're the only ones that can make money orders backed on gold.

[Kimberly Byrd] 18:42:35

Right, right. So the post office is the place. You know that most people think is the banks that got all the money. No, it's the post office. And if you sit there all day and watch how many people come in and out of there, you know they got all the money. So

[Kimberly Byrd] 18:42:51

You want them to know, you know, that that invoice is really an invoice for your money, a voucher for you to get that money back. Most people don't know that. We pay

[Kimberly Byrd] 18:43:02

So they done suckered us and got us our, you know, thinking is twisted

[Jonathan Colwell] 18:43:07

Okay, but what I'm so you're telling

[Chris Nero] 18:43:10

To answer your question, John… I'm sorry, to answer your question,

[Jonathan Colwell] 18:43:12

Anything.

[Chris Nero] 18:43:14

Everything that has your social security number is a trust, and everything in the United States

[Chris Nero] 18:43:21

Including every state, everything, the government, everything is a company. Anything that has

[Chris Nero] 18:43:28

has an EIN number, it's a company.

[Kimberly Byrd] 18:43:31

Well, we're a company

[Jonathan Colwell] 18:43:31

Yeah, I'm not a… but not a trust. It's a LLC or some kind of company.

[Chris Nero] 18:43:36

Every company, every government, everything in United States move with a trust.

[Jonathan Colwell] 18:43:37

Right?

[Kimberly Byrd] 18:43:37

It depends on

[Kimberly Byrd] 18:43:43

Yeah.

[Jonathan Colwell] 18:43:43

It is a trust. So, okay, it's not an LLC with the CEO. That's why we're saying look for the trustee, but they might call themselves the CEO, and that means they're the trustee

[Chris Nero] 18:43:44

Yes.

[Kimberly Byrd] 18:43:45

Yes

[Chris Nero] 18:43:52

They can have… they can have an LLC, a company, but that company has a trustee.

[Kimberly Byrd] 18:43:59

Yeah, and if they don't specify

[Chris Nero] 18:44:00

You set trust behind it. Yes.

[Kimberly Byrd] 18:44:01

The CEO, you know what I'm saying? You just use the CEO. And or you can Google online, because sometimes they will reveal who the trustee is

[Chris Nero] 18:44:10

Again, John, before you do this, or you start doing… dealing with this, the P.O. box and this method, we're trying to teach everybody else,

[Chris Nero] 18:44:19

You need to have your EINs and your… at least your trust account.

[Kimberly Byrd] 18:44:24

Yeah, yeah.

[Chris Nero] 18:44:24

set up, uh, before you can do this.

[Kimberly Byrd] 18:44:28

and your bank account set up so you have

[Chris Nero] 18:44:29

Yeah, you trust bank account.

[Kimberly Byrd] 18:44:32

You know, the non-interest bearing.

[Kimberly Byrd] 18:44:36

Trust bank account

[Jonathan Colwell] 18:44:38

Okay.

[Jonathan Colwell] 18:44:40

I got it. I knew that. Yeah. Okay.

[Kimberly Byrd] 18:44:41

Yeah

[Kimberly Byrd] 18:44:43

That's important. That's an important part of this whole thing that we're trying to talk to you about, you know, with the vouchers, you know, the invoices, that's the integral part. You got to have your trust number

[Kimberly Byrd] 18:44:57

EIN number.

[Jonathan Colwell] 18:45:00

Okay.

[Kimberly Byrd] 18:45:02

All right

[Chris Nero] 18:45:05

So, does anybody have any questions so far?

[Chris Nero] 18:45:12

Nope.

[Nicole Pacheco] 18:45:13

Not so far, but just to confirm, you said, like, at the phone company, the cell phone company would also

[Kimberly Byrd] 18:45:21

That's all you do

[Chris Nero] 18:45:21

Or utilities, cell phones, light, electric, gas, oil your utilities, yes.

[Nicole Pacheco] 18:45:21

Yeah, a T-Mobile? Okay.

[Nicole Pacheco] 18:45:27

Okay.

[Chris Nero] 18:45:31

And Nicole, I will send you the… I will forward you the recording.

[Nicole Pacheco] 18:45:36

Okay, thank you.

[Chris Nero] 18:45:37

Any other questions?

[Kimberly Byrd] 18:45:37

Yeah, you can check it.

[Chris Nero] 18:45:43

Nope. Alright, so we're wrapping it up.

[Chris Nero] 18:45:45

If you do have any questions, you can feel free just to send us a text message or email.

[Kimberly Byrd] 18:45:46

Yep.

[Chris Nero] 18:45:53

You know, we hear… we might not be able to answer right away, but we will.

[Kimberly Byrd] 18:45:58

Yes, definitely.

[Kimberly Byrd] 18:46:00

So we all walking together next week we're going to do actually open the accounts. We want to open the accounts online together, so everybody does it at one time.

[Chris Nero] 18:46:06

Mm-hmm.

[Nicole Pacheco] 18:46:10

Okay

[Chris Nero] 18:46:12

So, John, this week, you can get the, um…

[Kimberly Byrd] 18:46:12

You know, so

[Chris Nero] 18:46:17

that trust EIM and open up and get your trust done, and open up a bank account.

[Chris Nero] 18:46:22

For your trust, you can join us, um, open up the trust account, or the bank account on the post office on next week.

[Kimberly Byrd] 18:46:23

-H

[Kimberly Byrd] 18:46:32

Because it's a little tricky, the way, when you try to open up the trust account with the post office

[Kimberly Byrd] 18:46:37

You know? And it's just, it's an interesting thing, I just gotta tell you, because when Chris showed me… well, I did it on my own, but when we talked about it, I called him up, and I told him my experience, and it was just a weird kind of experience

[Kimberly Byrd] 18:46:54

And it kind of makes sense with a lot of things that you probably ever thought in your life

[Kimberly Byrd] 18:46:58

You know what I'm saying? Like, most people say, where's the trust money at? Here's one way to get at it

[Jonathan Colwell] 18:47:08

Okay, I'll get it done this week. Gonna be on my top priority

[Kimberly Byrd] 18:47:08

All right.

[Chris Nero] 18:47:09

Yep.

[Kimberly Byrd] 18:47:12

Yes, yes, yes.

[Chris Nero] 18:47:12

You got it. If you have any questions, just send us a message.

[Kimberly Byrd] 18:47:16

Yeah, that's important. Those your trust stuff. Even if you just open the trust this week and go open the bank account that's irrevocable non-interest bearing bank account. That's what you're opening. You know that, right?

[Jonathan Colwell] 18:47:32

Yeah

[Chris Nero] 18:47:32

Yeah, it's irrevocable trust.

[Kimberly Byrd] 18:47:35

Yes.

[Chris Nero] 18:47:35

Mm-hmm.

[Kimberly Byrd] 18:47:36

Non-interest-bearing, because you don't want… you don't want their money, so you won't owe them no interest on your money.

[Chris Nero] 18:47:43

And… and you will need the irrevocable trust EIN for that.

[Kimberly Byrd] 18:47:48

Yeah.

[Jonathan Colwell] 18:47:50

Okay, but that's all in the book that you sent me too

[Kimberly Byrd] 18:47:50

Yep, and you want to call

[Kimberly Byrd] 18:47:53

Yeah, you want a debit card too when you go to the bank, tell them you want a debit card because that's something going to attach.

[Chris Nero] 18:47:57

Mm-hmm. And…

[Jonathan Colwell] 18:47:57

Yeah

[Chris Nero] 18:48:00

Yes, and if you can do that, get the bank account, do the trust…

[Chris Nero] 18:48:04

And open a P.O. box.

[Kimberly Byrd] 18:48:07

-H

[Chris Nero] 18:48:07

All this week, which, pretty sure you came, you just… if you find some time to do it.

[Chris Nero] 18:48:13

Um, we… you can join us going together and do this, you know? We ready!

[Chris Nero] 18:48:20

Next level. This is next level.

[Kimberly Byrd] 18:48:20

Yeah, because

[Kimberly Byrd] 18:48:22

He's not gonna wait, I'm gonna tell you, because he moving right along, you know what I'm saying? So that's why it's important we stress into you to get just that little stuff done.

[Jonathan Colwell] 18:48:32

Okay, no problem, we will.

[Kimberly Byrd] 18:48:34

Yeah, it's easy to call and get the EIN, you know what I'm saying? It's not hard.

[Chris Nero] 18:48:37

You can get it online, yeah.

[Jonathan Colwell] 18:48:38

Yeah.

[Kimberly Byrd] 18:48:39

Yeah, I mean, get it online, that's not even hard at all. And the estate is easy to get that one, too. The one that's funky is that the one that's out of the country, you know what I'm saying?

[Chris Nero] 18:48:47

Foreign.

[Jonathan Colwell] 18:48:50

Yeah, we have to, like, do a different accident or something.

[Chris Nero] 18:48:52

Mm-hmm.

[Kimberly Byrd] 18:48:52

Yeah, so get… do both the EIN. I think you can only do one a day, but I would do one Monday, and then go back and do the estate the next day.

[Chris Nero] 18:48:55

Yeah.

[Jonathan Colwell] 18:49:01

Okay, I'm gonna do my Christopher Walken accent whenever I call for the trust.

[Kimberly Byrd] 18:49:06

I'll tape it, because, man, you have to hear Chris. He got on that lady's nerves, man. She was like, I'll give you anything just to get off my phone. You know?

[Jonathan Colwell] 18:49:14

Really?

[Chris Nero] 18:49:14

For the irrevocable trust, John, you can do it online. You don't need to go. Only for the foreign granted trust, uh, EIN, you need to call.

[Jonathan Colwell] 18:49:22

Yeah.

[Jonathan Colwell] 18:49:23

And then if I do an accent, they'll probably be likely to not question it as much.

[Kimberly Byrd] 18:49:24

Yeah.

[Kimberly Byrd] 18:49:29

No, not at all.

[Jonathan Colwell] 18:49:30

So I do Christopher Walken impression. You want to hear

[Chris Nero] 18:49:33

Go ahead.

[Kimberly Byrd] 18:49:34

Yeah.

[Jonathan Colwell] 18:49:35

Okay.

[Jonathan Colwell] 18:49:37

So you're telling me these Fridays are French, but they're not from France

[Jonathan Colwell] 18:49:41

How can there be french fries? Christopher Walken.

[Chris Nero] 18:49:46

There you go.

[Jonathan Colwell] 18:49:47

So I'm calling to get up my trust here

[Chris Nero] 18:49:50

There you go. You got it.

[Jonathan Colwell] 18:49:52

So yeah, I'll just do a weird accent, and I'm gonna be like, wow, Chris. Yeah.

[Kimberly Byrd] 18:49:54

Yeah. If it was me and I was one of the people who work for IRS, I'd be like, listen to this. All right, you got it.

[Jonathan Colwell] 18:50:07

Listen, let me tell you a story about two little mice

[Jonathan Colwell] 18:50:11

Fell into a bucket of cream. The first mouth gave up and he drowned

[Jonathan Colwell] 18:50:17

Second mouth! He struggled so hard. He churned that cream into butter

[Kimberly Byrd] 18:50:23

Yeah, you get it.

[Jonathan Colwell] 18:50:24

Now, gentlemen, I stand before you today. I will get that trust.

[Kimberly Byrd] 18:50:32

Yeah, go for it. You gonna get it

[Chris Nero] 18:50:33

You just go for it. Prioritize, though. Get the trust, the irrevocable trust EIN first.

[Kimberly Byrd] 18:50:40

Yes

[Jonathan Colwell] 18:50:40

Okay.

[Chris Nero] 18:50:40

While you keep practicing on your assin'.

[Jonathan Colwell] 18:50:45

Oh, you're saying I need practice, okay.

[Kimberly Byrd] 18:50:49

Now you got the trust document, right? So you can go open it up when you go to the bank, right?

[Chris Nero] 18:50:54

I will send you the… I will send you the trust document. You just have to change information. Yeah, just change the information.

[Jonathan Colwell] 18:50:55

The trust document.

[Kimberly Byrd] 18:50:58

Okay.

[Jonathan Colwell] 18:50:58

Yeah, I don't think I have it.

[Kimberly Byrd] 18:51:01

Yeah, put your name in there and your address and stuff, but you got to take that with you along with the EIN from the IRS and print it, save it, print it

[Jonathan Colwell] 18:51:01

Yeah, probably.

[Chris Nero] 18:51:02

Mm-hmm.

[Kimberly Byrd] 18:51:11

Make it easy on yourself.

[Jonathan Colwell] 18:51:12

I mean, I already have an EIN with a trust

[Kimberly Byrd] 18:51:15

Okay, you get this

[Chris Nero] 18:51:15

Is that a revocable trust?

[Jonathan Colwell] 18:51:16

But I want to get a new one

[Jonathan Colwell] 18:51:18

Huh?

[Chris Nero] 18:51:20

It's an irrevocable trust?

[Jonathan Colwell] 18:51:23

Yes, it is.

[Chris Nero] 18:51:23

Okay, if you have one, you don't need another one, then.

[Kimberly Byrd] 18:51:26

He just needs to trust documents because you have to have those

[Chris Nero] 18:51:28

Yeah, you just need a trust document.

[Jonathan Colwell] 18:51:30

I have trust documents too

[Chris Nero] 18:51:32

Oh, so you're good! So just go get yourself an account, and no very interest account.

[Kimberly Byrd] 18:51:32

Oh, you girl

[Jonathan Colwell] 18:51:37

I wanna see y'all's… I wanna see what y'all's trust looks like different than my trust.

[Jonathan Colwell] 18:51:42

So I want to do

[Kimberly Byrd] 18:51:43

He doesn't have purses, so he might wanna

[Jonathan Colwell] 18:51:46

Yeah, I have a different trust. So it was set up by

[Jonathan Colwell] 18:51:52

todd Dual. You never heard of him

[Chris Nero] 18:51:53

Which actually, uh, John…

[Chris Nero] 18:51:56

You bring your trust document just in case.

[Jonathan Colwell] 18:51:57

Yeah.

[Chris Nero] 18:52:00

But they… the bank doesn't even ask you for the trust documents. They create their own…

[Chris Nero] 18:52:06

trust using your EIN.

[Kimberly Byrd] 18:52:07

Mines, they asked for it. Yeah, but mine's asked me for mine. You know, the first page and the back page. Yeah. So, just take it, just in case. I would just take the one you have. And I can send you hers, but I take the one you have, because you just want to open it

[Chris Nero] 18:52:10

Oh, they did? Okay. My day.

[Chris Nero] 18:52:14

Mm-hmm.

[Chris Nero] 18:52:21

Yeah, the certificate, you will just need a certificate. You don't need to handle nothing else.

[Kimberly Byrd] 18:52:24

Yes.

[Kimberly Byrd] 18:52:27

Yeah, that's in the back of it, yes.

[Chris Nero] 18:52:28

Mm-hmm.

[Jonathan Colwell] 18:52:29

Okay, what's bank is usually best to go to?

[Chris Nero] 18:52:31

Wells Fargo.

[luke ] 18:52:33

Wells Fargo

[Chris Nero] 18:52:35

That's the easiest!

[Kimberly Byrd] 18:52:35

Yeah

[luke ] 18:52:37

John, I made a personal banker appointment two days later. It took a half hour. They asked for the first and last page and it was done.

[Jonathan Colwell] 18:52:38

Well, he is.

[Kimberly Byrd] 18:52:45

-H

[Kimberly Byrd] 18:52:46

See?

[luke ] 18:52:48

It's none of their business. It's a private trust. They're just going to want to see a signature page like Kim said.

[Kimberly Byrd] 18:52:52

Yeah

[Jonathan Colwell] 18:52:54

Okay.

[Kimberly Byrd] 18:52:54

Thank you

[luke ] 18:52:54

They probably have a million of them in the US, so it's standard. It's not like, you know, oh, what's this voodoo? It's basically

[Kimberly Byrd] 18:53:02

Right.

[Jonathan Colwell] 18:53:03

Yeah.

[Jonathan Colwell] 18:53:03

Okay.

[Kimberly Byrd] 18:53:04

It's really…

[luke ] 18:53:05

It's your debit card, yeah. Take 45 minutes. You're in and out.

[Kimberly Byrd] 18:53:07

Yeah.

[Kimberly Byrd] 18:53:10

Yep.

[Kimberly Byrd] 18:53:10

Yeah, all right, and make sure you watch how they type your name, because sometimes they jack that up, too.

[Jonathan Colwell] 18:53:10

Cool.

[luke ] 18:53:16

Yes.

[Jonathan Colwell] 18:53:17

Okay.

[Kimberly Byrd] 18:53:17

Make sure the name is the name that's on the IRS report.

[Chris Nero] 18:53:18

And it can be a car?

[Chris Nero] 18:53:20

When you request your car, make sure the word…

[Chris Nero] 18:53:24

Trustee, or T-T-E-E, is in your car.

[Chris Nero] 18:53:27

your bank card.

[Jonathan Colwell] 18:53:30

Okay.

[Chris Nero] 18:53:31

Right?

[Chris Nero] 18:53:33

Any other questions?

[luke ] 18:53:35

Raina, you and you and your husband had to do separate PO Box, right? When my wife and I do separate

[Chris Nero] 18:53:40

Yes, we have to do separate.

[Kimberly Byrd] 18:53:41

Yeah.

[luke ] 18:53:41

Yes.

[luke ] 18:53:42

Got it. Yep, I'll get those done tomorrow.

[Chris Nero] 18:53:44

Yep, you got it.

[Kimberly Byrd] 18:53:45

Yeah.

[luke ] 18:53:46

Perfect.

[Kimberly Byrd] 18:53:47

All right, everyone, and I guess this is it and we will talk to everyone next Sunday.

[Nicole Pacheco] 18:53:49

Okay

[Chris Nero] 18:53:53

Yep, I already sent the link for, um, you guys to search your utilities.

[Nicole Pacheco] 18:53:59

The URL? Okay.

[Chris Nero] 18:54:00

Yep, it's on the group.

[luke ] 18:54:04

Thank you for your time tonight.

[Nicole Pacheco] 18:54:05

Okay, thank you.

[Chris Nero] 18:54:05

No problem. Have a good one, guys.

[Kimberly Byrd] 18:54:06

You're very welcome. We're walking together. Alrighty, thank you

[Nicole Pacheco] 18:54:08

Okay, you too. Bye-bye.

[Jonathan Colwell] 18:54:10

Yeah.