WEBVTT

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Yeah, ripped off, didn't need
advice, so you don't have come.

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Run in just as fast as we
can. Shooter's gonna help come Dix is

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the Troubleshooter Show. No Tom Martino. Hey, I'm Tom Martino. Welcome

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to the show. Three oh three
seven one three. Talk is our number.

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You know what I say. We
solve problems, answer questions, and

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take complaints. And I believe that
this is the only show. Well I

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know it's the only show that does
that, but I believe that people wait

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too long sometimes to call, and
we can probably stave off, or prevent

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or solve problems much easier if you
call earlier. So if there's anything going

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on, give us a call.
Please. This hour brought If you buy

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waterpros dot net the best water systems
at the lowest prices. There's news on

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the waterfront. By the way,
the EP is cracking down on water municipal

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water systems. Hey, get your
kitchen sink Water Supply Triple Filter Reverse OSMOSI

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is the best drinking water fourteen hundred
bucks fully installed. It's pennies compared to

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what you're going to pay to contractors
to do it. Plumbing contractors and while

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they are plumbers. They specialize in
this kind of stuffwaterpros dot net three h

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three eight six two five five five
four. J Bretz is with me from

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Excel Roofing. He started this AI
thing on his website. Everybody's talking about

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AI, and it really is AI. I mean, you put your address

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in, it captures satellite imagery,
maps out your roof, and then gives

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you a price based on what you
want, whether it's the same roof you

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have, or you can upgrade or
I guess even downgrade whatever. I mean,

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you can pick whatever materials you want. Jay, you say that you're

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finding it's within five percent basically,
yeah, within five percent. It's very

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accurate, and you plug your prices
in there, right So they're talking about

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you. They are. It's it's
based on insurance pricing, but it's very

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close to exactly what an insurance settlement
will be. But in this time that

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we're in right now, everybody wants
information. They want to know exactly how

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much it's going to cost. They
want to know what kind of roofs are

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out there and available. So it's
that information that you that you want to

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know up front, and then you
choose a contractor we're going to talk about

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coming up supplementing supplements. So many
people are confused with supplements now, they

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confuse supplements with cheating. Now sometimes
I guess it could be. But we'll

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talk about that coming up. I
want to take some calls right now from

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you three oh three seven one three
talk seven one three eight two five five,

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And first I'm going to take Adam. Then Deputy Doc has some follow

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ups and is sues around or Mark, because I got some really cool stuff

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to tell. I'm the only one
in a studio, Tom. Okay,

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but I did Mark sign on?
Channon? Do you know of Mark's coming

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on Kachina or sus I texted him. I haven't heard back yet. Okay,

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all right. Sometimes they have problems
connecting from the from the Death Star

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in Franktown. This is the this
is the mothership here and uh I have

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I had trouble too, but Shannon, uh somehow worked it out. He

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didn't tell me what he did.
The first thing that happens with technology.

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Let me tell you the trick with
technology. If you ever ever have a

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technological problem ever, okay, ever, and you call support, what's the

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very first thing they say, come
on, what's the very first, now

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here's what's jasport anywhere? We've never
heard that before. I hate that answer.

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No, but they make you feel
like you're the only one that ever

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experienced it unless you go to the
internet you find out everyone's having the problem.

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But then the next thing, which
is Shannon's trick, and that is

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did you change anything? And I
said, no, I did not.

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I mean, I come into my
studio and I turn, I flip a

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switch. What do I change?
I don't change squat but Shannon saying he

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swears I changed something, and then
Kelly and Mark chime in in the chorus.

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But anyway, let's go to Adam. Hi, Adam, I got

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some email from you, bro,
I got some email from you. Let

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me let me just bring that up
here the Geico Right, go ahead,

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I got it here. Tell your
story. Actually, this is very detailed,

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so we don't have we don't have
to be this detailed on on on

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the phone, but but tell your
story. It's very interesting. Yeah,

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we got an email from Geico that
somebody who's going to be added to our

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policy and we didn't know the individuals, so we called and said, did

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you change anything? Here? Yeah, we're just kidding. Go ahead.

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So so Geico, when you got
to notice just out of the blue saying

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we are adding someone. Yeah,
so just that fact alone like just boggles

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my mind. That the ca But
maybe it was just a mistake. I

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mean, so you know, Okay, so then what So I call them

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and I say, I don't know
this individual, Please don't add this person

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to the policy. And I said, why would you add this person in

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the policy? Oh, well,
they're living in a house that matches an

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address that we have for you.
Okay, yeah, that's force coverage.

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You know why they do that?
At them and they make mistakes at it,

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but you know why they do it. A lot of people do not

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ensure their kids or their dependents.
And if you have licensed drivers living with

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you, and by the way,
people should know this, not just kids.

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In fact, I'm gonna have Compass
talk about this. But keep going

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at him. Then what happened?
Yeah, I get the intent, but

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I said, well, we live
in Utah. This person lives in Missouri,

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so yep, not associated. Well
they added the person anyway, and

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we found out wait a minute,
wait a minute, this is in a

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different state. Yeah, that doesn't
even make sense to me. We yeah,

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just to clarify. So we own
the home in Missouri where this person

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lives, and so they saw the
association. So there course you're a landlord,

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right Are you a landlord or are
they your kid? Yep, yeah,

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I'm a landlord in the family.
But I just need to know something

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at him. Are they your kid? No? No, this is the

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tenant who has a child who apparently
just got licensed or something. Gotcha?

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Okay, Hey, I want you
to hold on, Adam. I'm not

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going to put you off. I
mean I'm not gonna hang up on you.

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I want to get compass on because
let's talk about some real stuff here.

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You hang on because I think everyone
will be interested in this. And

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I'll tell you why, Adam,
Why I like your call. There are

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so many parents who do not understand
their rates will automatically go up when their

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kids turn a certain age, and
you can't always exclude them. Now,

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this is the first time I ever
heard of a landlord having his rates go

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up because a tenant got his license. This is going to be very interesting.

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Hang on, okay, please,
a deputy doc. What is going

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on with you? Well, remember
Chuck called up yesterday about a problem with

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Midas at his breaks. Chuck.
Yes, he said, he has a

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two thousand and three Midas. Now, by the way, they charge him

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two grand for some stuff and he
chose to do the breaks only for four

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hundred bucks. Now he said,
they turned the drums and they broke,

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and he's pissed. Okay, I
spoke to the people. I mind is

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they were very forthcoming. They said
that what they offered him to do a

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break job, he couldn't afford it. So what they did was they just

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ground down some of the excrescences on
the surface of the brake and put in

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a chain. I feel what that
was for a snapchain or something, and

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that costs four hundred and thirty eight
dollars. He went back to them because

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his brakes had failed because they were
heat distorted them, and Aaron said that,

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okay, we told you this is
going to happen. If you want

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us to do to do a replace
the breakes and do a break job,

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it's going to cost another seven hundred
dollars. Now. One thing I want

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to mention, I got a text
from from our friend Eye Ted who's and

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he works on He works on cars, and he said that Midas should have

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never offered to turn those drums on
an old car. Because now did they

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actually turn those drums? Did you
do? You know? Because he said

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that was a waste. Well,
and he said, you can buy brand

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new drums for about forty bucks.
So what are they going to do for

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seven hundred? Do you know?
Doc? Yeah, they're gonna do a

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complete break job and replace the rear
brakes, hardware, new shoes, and

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a bunch of other Stuff's gonna cost
about seven hundred bucks. But you don't

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They don't feel they did anything wrong. He feels like he paid for nothing.

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They gave him a temporary fix for
basically four hundred bucks that they told

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him exactly what they were doing.
But what would it have cost if he

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did the four hundred in the beginning, if he wanted the whole job in

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the beginning? Well, I don't
know, because he said he couldn't afford

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it. Yeah, but what I
don't Okay? All right, So because

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the numbers aren't adding up. In
the beginning, they told him two grand,

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now they're telling him he spent four
hundred and an additional seven hundred will

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get him whole, will get him
on the road, And that's a total

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of eleven Okay, that's okay,
that's not your job. It's just didn't

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make sense to me completely. But
what did he say about this? Well,

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he he said that they should have
told him that, and and he

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and you know, he said one
thing, Midas says another. But the

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guy from Midas, Aaron, was
very specific about what was done. He

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was very forthcoming. And I think
there was some misunderstanding on Chuck's part that

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he thought they were doing a total
fix, and Aaron told him it was

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just it was just temporary and that
it was going to fail unless he got

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a full break job. And I
believe Aaron. Okay, okay, you

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know that's fine, that's what,
that's what, that's why we have you

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do it. So thank you.
Anything else going on, Doc? After

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a while, you know, we
kind of get a feeling for who's who's

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joking us around? No, No, I understand, I don't know.

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I don't think the guy was jerking
us around, the consumer. I just

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think he didn't understand. No,
I'm a Daron, the minus guy.

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Oh yeah, no, no,
he's not jerking us around. Thank you

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very much, Doc. We got
more coming up on Tom Martino three O

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three seven one three Talks seven one
three eight two five five Frank durand the

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real estate Man. You know what
he does. He'll give you complete valuations

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of your home to see what it
will sell for on the market. That

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is such useful information because if you're
thinking about moving, you may you may

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want to know what well this house
selfware. And it's free evaluation, full

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detailed with all market conditions, and
it's honest. He's not asking you to

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to ever list with him. There's
no obligation. Frank durand the real Estate

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Man dot com three oh three nineteen
zero stew two. Go with a sure

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thing Denver's best roofer Excel Roofing dot
com. You don't pay a cent until

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you're content. Wave time for an
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In comparison, call Compass Insurance paying
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companies find out now three oh three
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00:12:16.840 --> 00:12:20.559
com to list your home with Remax
Alliance three oh three nine two zero sixteen

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twenty two. Hi Tom Martino here
three o three seven one three talk three

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oh three seven one three eight two
five five. I want to go back

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to, uh, the insurance thing
right now? Do we have him on

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still? Yeah? Do we?
Yeah? Adam, so Adam. I

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want to bring you back up.
Jeremy. Now, Jeremy, I want

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to ask you a couple questions because
this is a really good topic, and

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that is, when you have kids
living in your house and they get a

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license, how does your insurance company
know your auto insurance company. And this

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is Jeremy with Compass Insurance Group.
Our insurance experts go ahead, they know

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because you have a lot to tell
them. Yeah, but I'm talking about

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when you don't tell them, how
do they do? How do they find

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out if they do? I don't
know if they do like they do?

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Yeah, it feels like every day
there's a new report or something. You

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know, they're they're pulling all this
information to get this info because they want

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to make sure that all the household
members are on there. So there's different

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reports that they'll pull on that and
I don't know the details of you know,

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specifically where those are coming from.
But we get notifications all the time,

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Hey, possible household member, whether
it's a newly licensed kid, and

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what do they want you to do? Do they let me ask you this.

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If I have a son living with
me or a daughter and they have

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a license, am I required to
carry insurance? And on my household cars?

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You have to add them onto your
policy if you want them to be

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covered from your cars. So there's
a big okay. But if you don't

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want them, I heard they make
you do it anyway because they're part of

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the household. Well, what they're
doing now is they're making you exclude them,

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so you okay, So that was
difficult to do before. So can

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you exclude your children? Then you
absolutely can. But they're even charging for

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that. So even to add let's
say you're paying a thousand a month and

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you want to exclude your kid,
they're going to charge for that exclusion.

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It's usually going to be a lot
less than what it would cost to add.

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How much for the ablusion roughly it
can vary by company. It could

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be one hundred bucks. Just okay, So I want to know this,

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so you can exclude them, you
can add them. What if they have

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their own car and their own insurance, will that suffice where you won't have

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to exclude them and you won't have
have to cover them. Most companies know

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it won't anymore. I have two
companies out of all of our companies that

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would still allow that scenario the right. So, if my kid is living

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with me and has his own car
and his own insurance, they still want

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me to cover them. You'd have
to include him or exclude them. Yeah,

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wow, I do now companies,
but most of them are going to

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require that. Now, what if
you never told them about your kid and

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they never found out what happens if
your child gets into an accident? Would

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they be covered in your car?
You're gonna have problems, you know,

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And a lot of this comes down
to what's the accident. You know,

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they back into a poll, They're
probably not gonna sweat that it gets a

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little bit more severe. They're absolutely
going to fight back because all right,

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now, let's now let's go to
another scenario. And that's what the caller

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is calling about. Adam has This
is weird. Adam lives in one state

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and has a rental in another state, and they're okay, now, they're

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not close to each other. So
in his rental, one of the kids

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living in his rental with their parents
turned old enough to get his license?

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Is? Do I have that right? Adam? That's right? And so

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00:16:33.919 --> 00:16:40.600
Geico sent him notice that you're now
going to be charged for that kid on

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00:16:40.679 --> 00:16:44.799
his auto policy. Yeah, on
his autopolicy, and that he lives.

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00:16:45.320 --> 00:16:49.840
That problem is that they're pulling from
all these random sources. And you can

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00:16:49.879 --> 00:16:55.840
see how clearly inaccurate that is in
that case. So a lot of times

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that are wrong. Now, have
you tried calling Geico to Yeah, did

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you call him and just say this
is a mistake and did they believe you?

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What? Tell me what happened there? Yeah? I called them earlier

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last week and I said, why
are my premium so high? And I

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said, well because of this teenage
driver. And I said, I called

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00:17:15.279 --> 00:17:21.799
you on January third and told you
to not add him. And I wait

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00:17:21.839 --> 00:17:23.119
a minute, Wait a minute,
what do you mean you called him and

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told their account so that it was
super clear there's no association, Adam,

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00:17:27.400 --> 00:17:30.960
Adam, did you call them after
getting a notice he was going to be

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00:17:32.039 --> 00:17:34.920
added? Yeah, we called on
January third, the day we got the

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notice. I got it and you
said, this kid is not mine,

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he doesn't live with me, it's
a rental. Blah blah blah, exactly

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00:17:44.519 --> 00:17:48.759
and they added them anyway. Yep. And I didn't find out until last

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00:17:48.799 --> 00:17:51.920
week when I looked. I trusted
that they would change it because they changed

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00:17:51.920 --> 00:17:55.160
the address they have a record.
Oh that's just poor customer service. That's

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00:17:55.200 --> 00:17:59.400
just poor customer service. Yeah,
I mean that. Yeah, it was

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very frustrat Let me ask you something, Adam. By the way, Compass,

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guys, are you licensed in Utah
or not? We are licensed in

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Utah. We can't as many Adam
and uses Colorado, but we are there.

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Adam, I want to ask you
something. You have Geico for your

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00:18:17.599 --> 00:18:22.440
car insurance? Who do you have
your home? We have out owners?

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Okay, good company. It depends. But I'm going to just make this

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00:18:26.640 --> 00:18:32.240
suggestion. I'm not trying to hit
you up. I truly want to challenge

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00:18:32.640 --> 00:18:37.680
you to call Compass when you get
a chance and ask them, for the

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00:18:37.720 --> 00:18:41.880
hell of it, to just review
your policies and see what you have and

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what you're being charged. I just
want you to know that eighty five percent

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of the time they've been able to
not only help people with their coverage get

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00:18:52.240 --> 00:18:56.839
better coverage, but usually lower their
costs by significantly. And again, you

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should, in my opinion, if
you have cars in a home, Jeremy,

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isn't it always more cost effective to
bundle them under one company or not?

249
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What do you think most times it
is? I mean there are times

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where we will split them up.
They're pretty rare at this point. A

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lot of companies at this point won't
even ensure your home if they don't have

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the auto. So when we're running
a quote, you know it's going to

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be a couple companies left that will
just do your home versus all the companies

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if we also have the auto.
So that's really hard to combat when you're

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00:19:33.759 --> 00:19:37.240
talking about that kind of eligibility.
And then I want to ask you about

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Geico in general. Have you found
when people call in for an insurance checkup,

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can you usually find better than Geico
as far as pricing or not?

258
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A lot of times we do Geico's
We sometimes I don't even come close and

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00:19:51.960 --> 00:19:55.319
it's like I have no idea how
they're getting that rate. And other times,

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00:19:55.920 --> 00:19:57.160
you know, most of my companies
are going to beat them. So

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00:19:57.279 --> 00:20:03.400
it really is hit or missed.
It's certainly worth checking because in this market

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right now, you know, there's
just no rhyme or reason to anything.

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And what about Auto Owners a good
company, right, I love Auto Owners.

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Yeah. I mean they're a company
my parents with Auto Owners have for

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years. They're really good company.
And can I tell you why I have

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Auto Owners? Well? Auto Owners
is good, by the way, Adam,

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Yeah, why do you have them
other than they're a good company.

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We had Liberty Mutual, but we
had a return line, water leak,

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a toilet seal breaking our house in
October and Liberty Home Guard or Liberty Mutual

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00:20:38.480 --> 00:20:44.039
said we're no longer going to cover
you. So I needed to find another

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00:20:44.039 --> 00:20:48.359
insurance company. So I thought that
was egregious, so I found Auto Owners

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to cover us. Wow, yeah, it's not egregious to keep canceled.

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00:20:56.359 --> 00:20:59.200
Well it is for one claim?
Was it only one claim you had?

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No, we had a hell claim
before, And they said two claims in

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five years is put to that risk? And I said, it's really clear

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that it's a return line, not
a supply line. Water leak. Supply

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line I can understand because the house
is a certain age. If you have

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one supply line, what do you
mean by a return line? I don't

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00:21:18.039 --> 00:21:21.920
know what you mean. Supply line
is under pressure, so you're pushing water

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into that? Do you mean a
drain. When you say a return line,

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are you talking about drains? Yeah, yeah, it's just a water

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seal, like a wax seal.
And so I offered to change all the

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wax seals in the home. I
even offered to change the supply line.

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Let me ask you something, was
that wax seal? Did that drain over?

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Did that cost a lot of money
to fix that? You put in

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a claim for that? Usually you
can buy it a home depot. It's

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00:21:48.839 --> 00:21:52.279
no, no, I'm asking you. When you had a claim for that?

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00:21:52.480 --> 00:21:53.720
Was it a big claim? Is
that why you put a claim in

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00:21:53.880 --> 00:21:59.759
for toilet leaks? It was,
yeah, because it's upstairs that leaked into

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the below. I got it.
I got it. Hey, just for

291
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the hell of it, Adam,
because you have rentals, you have cars,

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you have a home. You ought
to. I mean, it's not

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00:22:10.680 --> 00:22:12.720
going to cost you anything to do
an insurance review with them. I'm serious.

294
00:22:12.759 --> 00:22:15.519
I'm like I said, I don't
get a dime for saying I mean,

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00:22:15.680 --> 00:22:18.559
I, oh, they're a sponsor. I don't want to make I

296
00:22:18.680 --> 00:22:22.160
want to make that clear, but
I don't get any extra money for signing

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00:22:22.200 --> 00:22:25.440
people up. I just thought thought
you should do a review just and for

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00:22:25.480 --> 00:22:26.680
the hell of it, see if
they can beat it. And if they

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can, I'd love to talk about
it. Or if they can't, I

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mean, but but you know,
that's deaths on you. If they're at

301
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three h three nine nine six nine
thousand, you ought to try it.

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00:22:34.480 --> 00:22:40.400
But meanwhile, meanwhile, you did
you get them removed from your policy in

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00:22:40.480 --> 00:22:44.920
Missouri? They are now? Yes, they are now. You just wanted

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00:22:44.960 --> 00:22:47.640
to call and give us the heads
up because this was a pain in the

305
00:22:47.680 --> 00:22:52.880
ass, Yeah, it was.
It was. It was frustrating to have

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00:22:52.000 --> 00:22:56.039
communicated we don't know this person,
don't add him, and they added him

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00:22:56.079 --> 00:23:00.519
anyway. So just awareness that that
happened, and it's you know what,

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00:23:00.640 --> 00:23:06.160
it's a good it's a good awareness
and a good thing to remind people of.

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00:23:06.519 --> 00:23:10.599
And I appreciate you calling three oh
three seven one three talks seven one

310
00:23:10.599 --> 00:23:18.920
three A two five five Go with
a sure thing Denver's Best roofer Excel roofing

311
00:23:19.039 --> 00:23:26.519
dot com. You don't pay a
cent until you're content. Time for an

312
00:23:26.519 --> 00:23:30.319
insurance checkup free, no obligation.
In comparison, call Compass Insurance paying too

313
00:23:30.400 --> 00:23:34.240
much your coverage at dozens of insurance
companies find out now three oh three,

314
00:23:34.440 --> 00:23:37.759
seven to seven to one. Help. You'll think you're his only customer when

315
00:23:37.799 --> 00:23:41.519
you choose Frank durand the real estate
man dot com to list your home with

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00:23:41.640 --> 00:23:49.680
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martino,

317
00:23:49.880 --> 00:23:56.000
you're troubleshooter. You know, the
most important guest here today hasn't really

318
00:23:56.039 --> 00:24:00.519
said anything yet. And it's not
Jaybrett, said excel roofing. It's it's

319
00:24:00.559 --> 00:24:07.599
really Charlie Bretts. Do you know
who? Charlie Bretts is? Mark's dog.

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00:24:08.200 --> 00:24:11.720
We're gonna put him on camera.
Let's I'm gonna put the camera right

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00:24:11.799 --> 00:24:15.079
on him. It's a little corny, not the white shot. I'm putting

322
00:24:15.079 --> 00:24:18.359
that camera over there there, So
go sit down there. There he is.

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00:24:18.759 --> 00:24:22.160
Now, if you want to see
the cutest dog alive, then you

324
00:24:22.200 --> 00:24:26.079
can tune into my YouTube or Facebook
and see him. That's Charlie. Charlie.

325
00:24:26.119 --> 00:24:30.400
Say something, say something. He
doesn't. He doesn't speak on command.

326
00:24:30.440 --> 00:24:33.279
That's not Charlie. That's sham.
There are some words that will get

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00:24:33.279 --> 00:24:38.519
his attention. Oh oh yeah,
I see. Now here's the deal.

328
00:24:38.880 --> 00:24:42.960
We tried giving Charlie a treat and
he's a treat snob. He didn't want

329
00:24:44.480 --> 00:24:49.200
anything biscuit. He wants popperoni or
meaty. He likes beef jerky. Everybody,

330
00:24:49.519 --> 00:24:55.599
look, I got his attention to
everybody needs to go to YouTube or

331
00:24:55.880 --> 00:24:59.519
yeah, and you'll see the cutest
that Charlie is the cutest, you know.

332
00:24:59.559 --> 00:25:03.039
I think he's got popular after that
series The Crown, I really do.

333
00:25:03.119 --> 00:25:06.680
And they found out about the Queen
Love and the Corkis because I see

334
00:25:06.680 --> 00:25:10.559
them all over now. They're smart
dogs too, Yeah they are. I've

335
00:25:10.599 --> 00:25:14.599
never had a smaller dog. And
he's more convenient for sure. Yeah,

336
00:25:14.640 --> 00:25:17.440
he's smart. And they're cattle dogs. They go all day long, So

337
00:25:17.559 --> 00:25:21.519
don't buy a Corgi unless you've got
time to go exercise that guy. But

338
00:25:21.559 --> 00:25:23.880
they have good bladders. He's telling
me to my god, he's got the

339
00:25:23.880 --> 00:25:26.960
world's biggest bladder. He doesn't pee, I mean, I mean he doesn't

340
00:25:26.960 --> 00:25:30.559
pee in the house. He can
pee for a minute straight. Hey a

341
00:25:30.680 --> 00:25:36.279
less what's going on with you?
Less, Yes, sir, thank you

342
00:25:36.319 --> 00:25:41.240
for taking my calls here. What's
happening, less oile. I've been arguing

343
00:25:41.279 --> 00:25:47.680
with a Department of Revenue Sales Tax
Division. Okay, oh wow, what's

344
00:25:47.720 --> 00:25:52.880
going on with sales tax? Weill
they try and charge you for stuff.

345
00:25:52.000 --> 00:25:56.000
Well, well, let's put it
this way. I do all a little

346
00:25:56.039 --> 00:25:59.519
bit. But are you First of
all, let me ask you this.

347
00:25:59.559 --> 00:26:03.880
Are you in business? Is that
what it is? What's that? Do

348
00:26:03.920 --> 00:26:07.680
you own a business? Yes?
Sir? Okay? And are they saying

349
00:26:07.759 --> 00:26:12.200
that you did not collect enough?
You know, they're saying, I,

350
00:26:14.279 --> 00:26:18.000
well that I owe taxes that I
don't. Oh, and I don't know

351
00:26:18.079 --> 00:26:22.000
really why because the only thing they'll
do is try and put tell you that's

352
00:26:22.039 --> 00:26:25.519
under your sales tax deal and you
can't get to it unless you put your

353
00:26:25.519 --> 00:26:29.279
banking information on the web. Yeah, but let's hold on a second information

354
00:26:29.400 --> 00:26:33.759
Mark Mark and SEUs. Mark and
SEUs have dealt with this, you know,

355
00:26:33.839 --> 00:26:38.119
owning businesses before. And while we
don't deal with sales tax, we've

356
00:26:38.119 --> 00:26:42.079
handled a lot of these cases and
have a lot of experts. But you're

357
00:26:42.079 --> 00:26:45.640
not giving me enough. You're just
saying, you know, they say,

358
00:26:45.759 --> 00:26:48.799
oh you don't. I mean,
what exactly are they saying happened? What

359
00:26:48.039 --> 00:26:52.319
are they saying you did not?
Generally they come in and audit. Did

360
00:26:52.319 --> 00:26:57.319
you get audited? No, you
didn't get audited. So what did you

361
00:26:57.440 --> 00:27:00.880
not do? You didn't put the
forming when it was due? Are you

362
00:27:00.960 --> 00:27:03.880
doing monthly? Quarterly? Yeah?
That's what we need to know. How

363
00:27:03.880 --> 00:27:10.799
did this start? How did this
start? Okay, I started my business

364
00:27:10.839 --> 00:27:14.319
back up again, and while I
don't know twenty nineteen, I guess it

365
00:27:14.440 --> 00:27:22.559
was started filing sales tax, you
know. And I didn't understand that they

366
00:27:22.599 --> 00:27:29.000
have all of these deals that you
had to do. I do business in

367
00:27:29.039 --> 00:27:33.319
different counties. I do nothing in
park Or where I live, and my

368
00:27:33.400 --> 00:27:38.079
sales tax deal is out of what
they call triple O one or something.

369
00:27:38.119 --> 00:27:41.160
And I didn't let me ask.
You said that, Mark, with sales

370
00:27:41.200 --> 00:27:45.319
tax? Do you file quarterly or
monthly? How do you do that?

371
00:27:45.480 --> 00:27:48.000
It depends most people are going to
be doing it monthly, unless if you're

372
00:27:48.079 --> 00:27:53.759
not making Jack and Mark. When
you file a return monthly, you put

373
00:27:53.799 --> 00:27:57.400
down your transactions and stuff, and
then what you collected you send to the

374
00:27:57.440 --> 00:28:00.559
state. Is that how it works? The state, the county, the

375
00:28:00.640 --> 00:28:04.119
municipality. I mean, Jay,
he probably doesn't do his own books,

376
00:28:04.119 --> 00:28:08.720
but he can attest that if he
does a roof in Douglas County, he's

377
00:28:08.880 --> 00:28:11.880
or in Castle Rock, for example, he's going to pay sales tax to

378
00:28:11.960 --> 00:28:15.319
Castle Rock or collect it. He's
going to pay sales tax to Doug.

379
00:28:15.359 --> 00:28:19.400
So that's really complicated. You have
to like pay sales tax all over the

380
00:28:19.440 --> 00:28:22.000
place, right, Jay. So
what we do is when we buy the

381
00:28:22.000 --> 00:28:26.559
material whoever we buy the materials from
pays the sales tax on that. However,

382
00:28:26.640 --> 00:28:30.039
we have to get a permit.
That permit is half and half half

383
00:28:30.079 --> 00:28:33.519
of it is for the permit inspection. The other part of it's a use

384
00:28:33.680 --> 00:28:37.200
tax. And that use tax is
non refundable. And then I'll tell you

385
00:28:37.279 --> 00:28:42.119
that we have we have no HVAC
companies do it like you don't have to

386
00:28:42.160 --> 00:28:48.960
few individual sales taxes then because your
supplier pays them. If the supplier did

387
00:28:48.000 --> 00:28:51.480
not take those out, we would
have to and we have had to do

388
00:28:51.559 --> 00:28:55.720
some in the past. Yeah,
but they take them out on that job.

389
00:28:56.039 --> 00:29:00.400
Yes, then, which is Schumer
does consumer pay that? Then ultimately

390
00:29:00.480 --> 00:29:03.119
they have to pay because it's all
wrapped up in the job. But wherever

391
00:29:03.160 --> 00:29:07.160
the point of sale is, so
the get is where the sales tax is

392
00:29:07.240 --> 00:29:11.480
charged. So it is, I
think, but it's charged by the supplier,

393
00:29:11.599 --> 00:29:14.519
not by you. The supplier charges
me for it, yes, and

394
00:29:14.559 --> 00:29:18.200
then you charge, but the but
the it's the supplier that does the tax

395
00:29:18.240 --> 00:29:22.240
return they do. Okay, that's
okay, Mark, what were you going

396
00:29:22.319 --> 00:29:26.880
to say, Well, I realize
he does it that way like HVAC companies,

397
00:29:26.920 --> 00:29:30.559
But I'm just going to tell him
the time is going to come to

398
00:29:30.599 --> 00:29:34.200
an end. And here's why he's
buying material at a wholesale value even though

399
00:29:34.200 --> 00:29:38.640
he's paying sales tax on it when
he sells it to the consumer. It'd

400
00:29:38.640 --> 00:29:44.559
be like me buying tires from Goodyear
for fifty dollars and paying sales tax on

401
00:29:44.640 --> 00:29:48.160
fifty, but then I sell the
tire for one hundred dollars and don't collect

402
00:29:48.160 --> 00:29:52.960
the additional sales tax. Those days
will come to an end. And they

403
00:29:52.960 --> 00:29:56.880
have another states what saying you mark
up those roofing supplies right after paying sales

404
00:29:56.920 --> 00:30:02.000
tax on a lower amount that would
be considered the profit and the job,

405
00:30:02.079 --> 00:30:07.200
and then the profit is taxed by
the state, so the municipality doesn't necessarily

406
00:30:07.240 --> 00:30:10.640
share. And but they're at a
specific part, but they're probably But but

407
00:30:10.880 --> 00:30:15.519
Mark is saying that if that roof
that you bought for one hundred dollars is

408
00:30:15.559 --> 00:30:18.799
sold to the consumer at one hundred
and ten dollars. Then that everyone's going

409
00:30:18.839 --> 00:30:22.839
to want a piece of that extra
ten bucks. Yeah, and the unfortunate

410
00:30:22.920 --> 00:30:26.960
part of this story for me is
there's not a huge difference between a wholesale

411
00:30:26.000 --> 00:30:29.880
and a retail price. People can
go down there, I understand, But

412
00:30:29.920 --> 00:30:32.599
they're the people at March sid Is. They're going to be greedy. I'm

413
00:30:32.599 --> 00:30:34.279
not saying they're going to come after
you, but because a lot of pill

414
00:30:34.359 --> 00:30:40.039
that What Mark's point is is that
we're getting the material to much discounted wholesale

415
00:30:40.200 --> 00:30:45.160
rate and they're not necessarily Well,
there's roofers I'm talking about. I'm talking

416
00:30:45.160 --> 00:30:51.640
about people that buy a furnace from
the wholesalers for fifteen hundred and they sell

417
00:30:51.640 --> 00:30:55.720
it for eight thousand dollars. That
Mark, they're getting away. They're they're

418
00:30:55.759 --> 00:30:57.240
getting away with it. I mean, every one of them is doing it

419
00:30:57.240 --> 00:31:00.720
that way. Yeah, they're got
My point is they're going to clamp down.

420
00:31:00.880 --> 00:31:03.200
Other states have put it in.
But here's what I want to know.

421
00:31:03.440 --> 00:31:06.599
Here's what I really want to know, Mark, And I don't want

422
00:31:06.599 --> 00:31:10.400
to stir a or open up a
whole can of worms here, but here's

423
00:31:10.440 --> 00:31:15.960
your deal. Okay, let's say
a company buys a furnace for a couple

424
00:31:15.039 --> 00:31:19.240
grand and sells it for eight Now
they make six grand. They're not paying

425
00:31:19.240 --> 00:31:23.039
sales tax on, right, Yeah, isn't that right? Right? Yeah?

426
00:31:23.200 --> 00:31:26.880
Six grand? Six grand at that
sale. The sales tax is not

427
00:31:26.960 --> 00:31:30.599
being paid on. It's being paid
to the the for the two thousand to

428
00:31:30.640 --> 00:31:34.359
the supplier. But here's what I
want to know. Do they charge the

429
00:31:34.400 --> 00:31:40.599
consumer on the whole eight thousand sales
tax? Because if they did, then

430
00:31:40.640 --> 00:31:45.559
that's real they're profiting by that.
Yeah, down to that, I well

431
00:31:45.640 --> 00:31:49.160
know. No, okay, So
when they when they charge the sales tax

432
00:31:49.200 --> 00:31:52.839
to the consumer, are they charging
them the sales tax that they paid the

433
00:31:52.920 --> 00:31:57.880
supplier or are they paying charging them
sales tax on the retail They're they're passing

434
00:31:57.920 --> 00:32:02.440
along their sales tax to the consumer. My point is that they should be

435
00:32:02.559 --> 00:32:07.079
charging more. No, I see
what you're saying. They don't do a

436
00:32:07.079 --> 00:32:08.720
separate line item for tax, like
you don't do that well, and if

437
00:32:08.759 --> 00:32:13.240
you look at a lot of line
item for material, so they well right

438
00:32:13.279 --> 00:32:17.079
barely do that. Jay. They
give one price of eight thousand dollars and

439
00:32:17.200 --> 00:32:22.799
most HVAC companies don't break down labor
at all. No, they don't.

440
00:32:22.839 --> 00:32:28.119
It's a it's an eight thousand dollars
price for the entire job and the labor

441
00:32:28.799 --> 00:32:32.680
the material is labor sales tax as
well. Then not the end. No,

442
00:32:34.480 --> 00:32:38.440
okay, so right now though in
normal business only, materials are sales

443
00:32:38.480 --> 00:32:45.079
taxed in Colorado as of this second. So Mark, I get back.

444
00:32:45.440 --> 00:32:49.720
I didn't forget about you less.
But what Mark is saying is valid.

445
00:32:49.759 --> 00:32:52.519
If you if you had a line
item on your contract saying, Okay,

446
00:32:52.559 --> 00:32:57.839
the furnace, we bought it for
ten and we're going to charge the customer

447
00:32:57.920 --> 00:33:00.880
four thousand finals from you do a
lump some I get what you're saying.

448
00:33:00.920 --> 00:33:06.319
They would have to prove that that
some of that markup was on the material.

449
00:33:06.359 --> 00:33:07.400
You could say, no, it's
not, it's just what we charge.

450
00:33:07.400 --> 00:33:10.160
They would have his profit. That's
what you're saying. I get what.

451
00:33:10.400 --> 00:33:13.519
I get what he's saying. We
listen, I'm gonna come back to

452
00:33:13.559 --> 00:33:19.759
you less. Hold on, we
got to take this break. Go with

453
00:33:19.839 --> 00:33:23.039
a sure thing Denver's Best roofer Excel
roofing dot com. You don't pay a

454
00:33:23.119 --> 00:33:31.039
cent until you're contenth time for an
insurance checkup free, no obligation in comparison

455
00:33:31.160 --> 00:33:37.279
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

456
00:33:37.279 --> 00:33:39.839
now three oh three seven seven to
one help. You'll think you're his only

457
00:33:39.920 --> 00:33:44.759
customer when you choose Frank durand the
real estate man dot com to list your

458
00:33:44.759 --> 00:33:52.519
home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi,

459
00:33:52.720 --> 00:33:58.519
Tom Martino, your troubleshooter three O
three seven one three talks seven one

460
00:33:58.559 --> 00:34:04.640
three eight two five five less has
an issue with collections, and he says

461
00:34:04.759 --> 00:34:07.840
what happens is he's he went back
in business in twenty nineteen, has been

462
00:34:07.840 --> 00:34:13.320
filing sales tax returns. Now the
state says he owes more than he says

463
00:34:13.400 --> 00:34:16.719
that he's paid in. Is that
basically it less? Ah? Yes,

464
00:34:16.800 --> 00:34:22.119
sir? Okay? Do you have
an accountant? Do you have an account

465
00:34:22.119 --> 00:34:24.400
sir? No? Did they do
an audit of your sales tax report?

466
00:34:25.639 --> 00:34:30.880
No, that's what you need to
do. Did the state do an audit?

467
00:34:31.280 --> 00:34:36.360
No? What are they basing it? Audit? Well, what the

468
00:34:36.400 --> 00:34:38.119
problem is, I think, Tom? Let's say I do ten thousand dollars

469
00:34:38.199 --> 00:34:45.000
a month in sales. Eight thousand
of that is two state institutions the stuff

470
00:34:45.039 --> 00:34:51.559
that's tax free, then the other
stuff. I filed taxes on a sure

471
00:34:51.639 --> 00:34:59.000
three different counties under different counties.
Well, but I wasn't filing under my

472
00:34:59.159 --> 00:35:05.119
Douglas aunt Adre, which I do
not tell anything from. All Right,

473
00:35:05.159 --> 00:35:07.719
hold on, we'll come right back. Hold on, I'm Tom Martino.

474
00:35:09.880 --> 00:35:15.159
Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't

475
00:35:15.159 --> 00:35:22.000
pay a cent until you're content.
Time for an insurance check up free,

476
00:35:22.079 --> 00:35:27.239
no obligation comparison call Compass Insurance.
Pay too much your coverage at dozens of

477
00:35:27.239 --> 00:35:30.239
insurance companies find out now three oh
three seven seven to one help. You'll

478
00:35:30.239 --> 00:35:35.079
think you're his only customer when you
choose Frank durand the real estate Man dot

479
00:35:35.119 --> 00:35:38.840
com to list your home with Remax
Alliance three oh three nine two zero sixteen

480
00:35:38.880 --> 00:35:54.239
twenty two rip. You need advice
so you don't have come run anxious ass

481
00:35:54.400 --> 00:36:02.000
as we can shoot us gonna help
come. This is the Troubleshooter Show.

482
00:36:02.639 --> 00:36:10.239
No Tom Martino, Hi Tom Martino
here, Welcome to the show. Solving

483
00:36:10.400 --> 00:36:16.599
problems, answering questions, taking complaints, and making life just a little easier.

484
00:36:16.880 --> 00:36:21.840
What is happening in your life and
how can we help you? So

485
00:36:22.039 --> 00:36:23.960
what I need you to do is
give me a call. For some reason,

486
00:36:23.960 --> 00:36:29.079
I got signed out here, but
I have to sign back in to

487
00:36:29.159 --> 00:36:34.159
get my email, I mean my
call screener. So tell me who's next.

488
00:36:34.199 --> 00:36:37.119
I'll just take the call. Do
we have anybody waiting? We still

489
00:36:37.119 --> 00:36:40.639
have Less? Okay, yeah,
so less, Mark, you have to

490
00:36:40.679 --> 00:36:45.360
help me on this since I don't
understand fully why this is. I still

491
00:36:45.400 --> 00:36:49.599
don't know what. It sounds like
he's simply not reporting sales taxes that correct.

492
00:36:49.679 --> 00:36:53.880
Less, No, I'm reporting what
I've collected. But what I say

493
00:36:54.000 --> 00:37:00.239
like, I didn't understand. I
had to file a return until middle of

494
00:37:00.239 --> 00:37:06.159
twenty twenty two for the what they
call the triple oh one Parker address,

495
00:37:06.159 --> 00:37:09.440
which I never sell anything out of. Now, why would they make you

496
00:37:09.559 --> 00:37:15.880
hold on? How are they determining? How are they determining where you have

497
00:37:15.039 --> 00:37:20.440
to file it from? I don't
get that part. I don't know they

498
00:37:20.480 --> 00:37:25.119
come up with. There's I've got
to file nine different eight different locations,

499
00:37:25.159 --> 00:37:30.039
depending on where my customer is,
whether it's Phillips County, whether it's alf

500
00:37:30.079 --> 00:37:34.639
Passo County, whether it's so Mark, is that right do you have to

501
00:37:34.679 --> 00:37:37.360
file in each state that you do
business? I mean, excuse me,

502
00:37:37.400 --> 00:37:46.440
in each subdivision you do business?
Is that? Is that right or wrong?

503
00:37:46.519 --> 00:37:50.679
I mean I don't I don't have
any idea how Yes, every Yes,

504
00:37:50.800 --> 00:37:52.679
I'm sorry, I thought I was
talking but didn't have my mute off.

505
00:37:52.760 --> 00:37:59.400
So yes, every municipality that you
sell a part in, and any

506
00:38:00.360 --> 00:38:02.960
county, and then of course the
state. Quite frankly, a lot of

507
00:38:04.000 --> 00:38:07.800
people don't get this, and no
one does it that I know of.

508
00:38:07.960 --> 00:38:12.159
But if you have a garage sale, you are supposed to collect sales tax.

509
00:38:12.639 --> 00:38:15.639
No I know, I know now
less, let me ask you something.

510
00:38:15.800 --> 00:38:22.719
Is it only one location they're questioning
right now? Well, I file

511
00:38:22.320 --> 00:38:27.480
when I found out that I had
to file this one for what they called

512
00:38:27.880 --> 00:38:31.480
triple O one. I file all
of them because they're all zeros. But

513
00:38:31.559 --> 00:38:37.400
nobody's handled it. And the state
does whatever they want on your account.

514
00:38:37.760 --> 00:38:39.440
If they'll cash your check, they
may give you credit for it, they

515
00:38:39.440 --> 00:38:44.840
may not they made less. What
I'm asking is what I'm asking is they're

516
00:38:44.920 --> 00:38:49.719
saying you didn't file for one of
your locations. Is that what it's boiling

517
00:38:49.840 --> 00:38:53.679
down to? I guess that's what
it is. And how much do they

518
00:38:53.719 --> 00:39:00.239
say you owe for that? Well, a couple thousand dollars. But you

519
00:39:00.400 --> 00:39:06.760
said you did not make any sales
in that county or in that city,

520
00:39:07.119 --> 00:39:13.480
right, But why does the state
care, Mark about the local counties?

521
00:39:13.519 --> 00:39:19.039
Do they collect that too? No, you send that to the local counties.

522
00:39:19.079 --> 00:39:22.239
I don't know if the state helps
out there end up to the state.

523
00:39:22.679 --> 00:39:25.800
You send it to the state.
Okay, I only had five retails.

524
00:39:25.920 --> 00:39:29.079
Okay, go ahead, Less,
keep telling me how it is.

525
00:39:29.440 --> 00:39:31.519
So wait, Mark, you mean
to tell me you have to send in

526
00:39:31.559 --> 00:39:37.920
a return to the state and to
every single county. Yes, that's what

527
00:39:37.960 --> 00:39:39.719
we would do. Man, if
if it was in Denver, we would

528
00:39:39.760 --> 00:39:44.880
send it. Why don't you hire
get audited by Denver. Why don't you

529
00:39:44.920 --> 00:39:46.800
have a professional. Why don't you
have a bookkeeper or a tax guy or

530
00:39:46.800 --> 00:39:50.239
something you can do this with.
I mean, when you're in business,

531
00:39:50.280 --> 00:39:59.159
why don't it's gonna save you money
in the long run. I've just always

532
00:39:59.159 --> 00:40:02.360
done it myself. Okay, Well, according to Mark, you're doing it

533
00:40:02.400 --> 00:40:06.679
wrong. Less, I don't not
really, I don't know if he's doing

534
00:40:06.760 --> 00:40:09.840
it wrong or not. All I'm
telling you is something's not right. If

535
00:40:09.840 --> 00:40:14.159
they're coming after them. Now.
You mentioned something at the beginning, Less

536
00:40:14.440 --> 00:40:16.840
that you can't even log in,
log on and see stuff because you don't

537
00:40:16.840 --> 00:40:21.519
want to attach your bank account info. I don't know what to tell you

538
00:40:21.599 --> 00:40:24.400
with that aspect of it, because
if that's how it's set up now with

539
00:40:24.519 --> 00:40:28.639
Colorado, in order for you to
log on, they got to have your

540
00:40:28.679 --> 00:40:31.480
information that I'm not going to change
that. Time's not going to change it.

541
00:40:32.599 --> 00:40:37.320
I mean, you can pretty much
trust them for that. I've never

542
00:40:37.360 --> 00:40:40.320
heard of the state hacking into your
bank account. You don't have any choice.

543
00:40:40.480 --> 00:40:45.159
You have to give them that information. Less. I just think that,

544
00:40:46.039 --> 00:40:52.800
yeah, you might. You might
be living an anachronistic life, let's

545
00:40:52.800 --> 00:40:59.280
put it that way, and and
that's out of your time possibly, I

546
00:40:59.320 --> 00:41:04.920
think. Isn't that what an anachronism
is? I believe it is. But

547
00:41:04.920 --> 00:41:07.000
but I don't know what else to
tell you, Bro, I really don't.

548
00:41:08.400 --> 00:41:15.079
Now. Sharon has a follow up
from two weeks ago on medical billing,

549
00:41:15.159 --> 00:41:17.519
and again I want to try to
find her call here and let her

550
00:41:17.559 --> 00:41:22.840
talk about it. So, Sharon, why did you start talking? I'll

551
00:41:22.880 --> 00:41:28.679
find your call. Does this have
to do when did you call? When

552
00:41:28.719 --> 00:41:30.760
did you call last. I think
there's about two or two and a half,

553
00:41:30.840 --> 00:41:36.840
first three weeks ago. But anyway, I just wanted to tell you

554
00:41:37.000 --> 00:41:42.840
thank you. And John from Integra
was very Oh, yes, he's wonderful.

555
00:41:43.000 --> 00:41:46.679
He really is integral for what he
had done and reached out to me,

556
00:41:46.920 --> 00:41:52.119
and so I sent a check.
Is this from a mass ectomy?

557
00:41:52.559 --> 00:41:54.440
Yes? Yes, yes it is. Yeah, you had an out of

558
00:41:54.559 --> 00:42:00.639
network a medical This was what's weird. The procedure was. But there was

559
00:42:00.679 --> 00:42:07.480
an out of network medical assistant.
And You're ETNA policy said they're only going

560
00:42:07.559 --> 00:42:10.760
to pay twenty percent of that,
right correct? No, no, excuse

561
00:42:10.800 --> 00:42:15.519
me that you have to pay twenty
percent of that, right right? So

562
00:42:15.559 --> 00:42:21.039
how did that turn out? After
John Jones over at Integra Insurance? Of

563
00:42:21.079 --> 00:42:24.320
course they didn't. They didn't handle
They handled this for us as a favor.

564
00:42:24.360 --> 00:42:28.880
They didn't sell you the insurance.
But how did this happen? I

565
00:42:28.880 --> 00:42:31.159
mean, what did they do?
As far as I know, he and

566
00:42:31.199 --> 00:42:37.039
I conferred and he conferred with other
people, and I sent the twenty percent

567
00:42:37.239 --> 00:42:42.079
check to her, and he stated
that I should put on there. I

568
00:42:42.119 --> 00:42:46.559
am considering this as a payment in
full, and so I did that and

569
00:42:46.719 --> 00:42:52.000
the check has been cashed, so
as according to him, it's a done

570
00:42:52.039 --> 00:42:54.800
deal, so she can't come back
at me. Well, why were they

571
00:42:54.840 --> 00:42:59.719
trying to get more? Yeah,
three thousand dollars, But why were they

572
00:42:59.719 --> 00:43:02.039
trying you get this, I noted
here this twenty nine. Why were they

573
00:43:02.039 --> 00:43:06.800
trying to get more than twenty percent? I don't know. That's what I

574
00:43:06.880 --> 00:43:14.119
don't understand. I put in PaperWorks
and bills from a that I'm not paying

575
00:43:14.119 --> 00:43:17.000
the facility fee. I mean,
I just did everything I could think of

576
00:43:17.039 --> 00:43:22.880
the research that I don't know where
she came up with this figure, and

577
00:43:22.960 --> 00:43:28.800
no one knows where she came up
with a ten thousand dollars bill for charge.

578
00:43:30.079 --> 00:43:37.039
So because my primary surgeon was forty
three hundred dollars, so twenty percent

579
00:43:37.039 --> 00:43:42.320
of that was eight hundred and sixty
nine bucks. Okay, what ten thousand?

580
00:43:42.719 --> 00:43:45.679
I get what you're saying. So
she was overcharging, is what you're

581
00:43:45.719 --> 00:43:49.039
saying. Very very are you know? I like to know how people are

582
00:43:49.079 --> 00:43:52.840
supposed to know what's in network and
what's at a network and what they're going

583
00:43:52.880 --> 00:43:54.639
to pay with. I mean,
shouldn't they give you a complete breakdown?

584
00:43:54.679 --> 00:43:59.559
This was not an emergency. Did
they give you a complete cost breakdown at

585
00:43:59.559 --> 00:44:04.280
all. No, No, that
was another surprise to me. I went

586
00:44:04.360 --> 00:44:08.280
through that Federal Surprise Act because that
should have never been I mean, twenty

587
00:44:08.320 --> 00:44:14.599
percent of the surgeons ys I can
agree with that, but not twenty nine

588
00:44:14.679 --> 00:44:19.840
hundred seventy one dollars. So that
was that was, like I said,

589
00:44:19.960 --> 00:44:22.400
the Federal Acts Surprise Act. I
mean, you name it everything that we

590
00:44:22.519 --> 00:44:29.360
could come up with, because this
was totally bizarre from everyone that I had

591
00:44:29.880 --> 00:44:31.800
talked to. Okay, and I
agree, by the way, for this

592
00:44:31.920 --> 00:44:37.719
medical assistant was ten grand or something. It's crazy, okay, yes,

593
00:44:37.960 --> 00:44:45.280
Oh, usually when you when I've
used medical assistance, you you just tell

594
00:44:45.320 --> 00:44:49.960
them will you accept what insurance pays? And if they don't do it,

595
00:44:50.000 --> 00:44:52.119
then you just don't use somebody else. But most of the people I know

596
00:44:52.159 --> 00:44:57.039
that in medical assistants are very eager
to work, and they would rather work

597
00:44:57.079 --> 00:45:00.400
for insurance than to turn down a
surgeon who may not never use them again.

598
00:45:01.920 --> 00:45:07.280
So I never even realized that they're
separate billing entities. Well, you

599
00:45:07.320 --> 00:45:10.840
always it's very there are very few
surgeries where you only have a surgeon.

600
00:45:12.280 --> 00:45:15.719
Almost all surgeris you need at least
one assistant. But I always thought the

601
00:45:15.760 --> 00:45:21.480
doctor took his own assistant. Well, I had a friend. We did

602
00:45:21.559 --> 00:45:24.920
ninety percent of our surgeries together,
his surgeries and mine. Occasionally, if

603
00:45:24.960 --> 00:45:30.719
somebody's not available, you'll just get
a surgical assistant to work with you.

604
00:45:30.559 --> 00:45:36.760
And the ones that I knew who
wanted my business would accept what insurance paid.

605
00:45:37.000 --> 00:45:42.679
Well, the insurance denied every penny
of it. So is my responsibility.

606
00:45:43.000 --> 00:45:46.920
And that's when this wait. They
denied every penny of the medical assistant.

607
00:45:47.280 --> 00:45:52.000
Of the medical assistant when she turned
in that ten thousand and some odd

608
00:45:52.079 --> 00:45:57.199
dollars. Their statement was a nurse
could have assisted the medical doctor, and

609
00:45:57.239 --> 00:46:00.599
that was what And I even sent
an appeal to the doctor, I mean

610
00:46:00.679 --> 00:46:05.559
to the insurance company, but they
were not going to budge ten grand.

611
00:46:06.119 --> 00:46:08.400
You know that was out of the
question. And who is your insurance?

612
00:46:08.440 --> 00:46:15.280
Did you say what? Where?
It was? Ata? Right? Okay,

613
00:46:15.000 --> 00:46:21.239
but listen, thank you for the
follow up. That's you know.

614
00:46:21.719 --> 00:46:24.920
I know of a case. Listen
to this mark where the guy went in

615
00:46:24.960 --> 00:46:32.000
to urgent care and the procedure was
covered, but they would not cover the

616
00:46:32.079 --> 00:46:37.639
numbing medicine he had to have stitches
in his hand. Now have you ever

617
00:46:37.679 --> 00:46:40.800
heard such a crazy and they but
and here's what they charged for the shots.

618
00:46:42.400 --> 00:46:50.480
They charged like I believe it was
twenty three or twenty four hundred dollars

619
00:46:51.000 --> 00:46:55.440
to numb his hand. God,
that's just outrageous. Twenty three dollars for

620
00:46:55.480 --> 00:46:59.639
some where twenty four or something like
that could have been twenty eight. It

621
00:46:59.639 --> 00:47:02.719
was around three grand or a little
lesson you know, if they if they

622
00:47:02.760 --> 00:47:07.599
denied the local and aesthetic tom,
I would bet nine times out of ten

623
00:47:07.840 --> 00:47:12.360
it was a coding era. Could
be maybe it was, I mean,

624
00:47:12.400 --> 00:47:15.440
but there's so many codes you missed
by one digit, and it could be

625
00:47:15.519 --> 00:47:20.400
any amount because that that. But
I mean, it's like they walk up

626
00:47:20.400 --> 00:47:22.119
and say hey. It's not like
they walked up and say, hey,

627
00:47:22.159 --> 00:47:24.159
do you want to numb your hand? It'll be an extra three grand.

628
00:47:24.199 --> 00:47:28.519
Your insurance is not fay no,
No, they put in their own code.

629
00:47:28.800 --> 00:47:31.320
That's the only way that could happen. Yeah, because how could you

630
00:47:31.400 --> 00:47:37.280
in an emergency turn down numbing.
Well, we'll pay for the stitching,

631
00:47:37.320 --> 00:47:40.239
sir, but we're not numbing that
up there. Right, it's a coding

632
00:47:40.239 --> 00:47:45.320
era. Here, here's a potato
to bite on. I mean, oh

633
00:47:45.400 --> 00:47:52.559
man, you know, speaking of
numbing and anesthesia and anesthetics and well whatever

634
00:47:52.599 --> 00:47:58.840
you call them, and that's local
and the physiologists. Could you imagine,

635
00:47:58.960 --> 00:48:04.480
no no thing. Think about that
alone when it comes to advancements, and

636
00:48:04.559 --> 00:48:09.559
to me, anesthetics were the number
Anesthesia is the number one advancement in medicine

637
00:48:09.599 --> 00:48:13.719
of all time. In my opinion, that's one of them. I mean,

638
00:48:13.719 --> 00:48:15.480
wouldn't you say, well, I
mean, come on, how the

639
00:48:15.559 --> 00:48:20.320
hell did they do surgery? I
think sterilization would have to be first,

640
00:48:20.360 --> 00:48:23.760
well, and then yeah, and
then but how did they do surgery?

641
00:48:24.079 --> 00:48:30.800
Very quickly? During the Civil War
when they had innumerable amputations? Doctors were

642
00:48:30.840 --> 00:48:35.400
based, you know, on how
fast they could amputate a limb. They

643
00:48:35.440 --> 00:48:37.719
did it so quickly. They gave
the guy a couple of shots of booze

644
00:48:37.960 --> 00:48:42.400
and then they took the limb off. But they were really no, no,

645
00:48:42.400 --> 00:48:45.679
no, my god in heaven,
I can't even does your body no,

646
00:48:45.760 --> 00:48:47.360
I'm serious, Doc, you're a
doctor. You probably study this.

647
00:48:47.760 --> 00:48:52.480
Does your body shut down? Sometimes
you go with the shock? But does

648
00:48:52.519 --> 00:48:55.639
that when you go into shock?
Does it shut down where you don't feel

649
00:48:55.679 --> 00:49:00.400
it as much? If you're took
a total shock? Now ken it can

650
00:49:00.440 --> 00:49:04.239
shock like that kill you. You
know, I don't know, Tom,

651
00:49:04.719 --> 00:49:07.000
Okay, all right, it's just
Tom. I think you just do what

652
00:49:07.039 --> 00:49:10.199
you gotta do. Like that guy
that got stuck in the canyon in Utah

653
00:49:10.239 --> 00:49:15.519
and had to cut his arm off
with the with the leatherman knife. I

654
00:49:15.599 --> 00:49:20.519
know a guy that got his hand
his arm stuck in one of these farm

655
00:49:20.559 --> 00:49:25.159
equipments where there it's the combine.
Yes, and I'll listen. I think

656
00:49:25.159 --> 00:49:30.639
that's what they call it. His
arm was ripped off. Now for no,

657
00:49:30.639 --> 00:49:32.400
no, it wasn't really it was
almost ripped off, but he is.

658
00:49:32.480 --> 00:49:37.320
So he had to hold it up
there on purpose to make they see.

659
00:49:37.440 --> 00:49:40.639
He couldn't get out of there,
so he had to finish the job,

660
00:49:40.800 --> 00:49:45.119
do you know what I'm saying?
Because it was caught partially partially cut

661
00:49:45.119 --> 00:49:49.639
off, so he had to lean
into it, lean into it to take

662
00:49:49.679 --> 00:49:55.119
it all off. Then he had
the presence of mind after that it was

663
00:49:55.280 --> 00:50:01.239
gushing blood. To hold it up
against the was a belt spinning still,

664
00:50:01.519 --> 00:50:05.119
I think is that a combine of
a belt. Whatever this was had a

665
00:50:05.159 --> 00:50:10.960
belt in order to cauterize it.
He held it onto the belt because it

666
00:50:12.000 --> 00:50:17.079
was going so fast it kind of
it burned his flesh together. Then he

667
00:50:17.440 --> 00:50:21.960
listened to this man. It's true. He gets in a car and drives

668
00:50:22.320 --> 00:50:27.519
himself to the hospital. Incredible,
But there was nothing to take to the

669
00:50:27.559 --> 00:50:31.199
hospital to have sowd on. It
was Hamburger. So basically, I mean,

670
00:50:31.280 --> 00:50:34.760
I know I should be telling people
to tune out, I guess,

671
00:50:34.840 --> 00:50:38.320
or to at least cover your ears
if you're queasy. But that's a true

672
00:50:38.360 --> 00:50:43.679
story. The man's now deceased.
But oh my god, what a story.

673
00:50:44.000 --> 00:50:52.639
We got more coming up. Go
with a sure thing Denver's Best roofer

674
00:50:52.760 --> 00:51:00.119
Excel Roofing dot com. You don't
pay a cent until you're content. Were

675
00:51:00.159 --> 00:51:04.400
an insurance check up free, no
obligation. In comparison, call Compass Insurance

676
00:51:04.559 --> 00:51:07.719
paying too much your coverage at dozens
of insurance companies find out now three oh

677
00:51:07.760 --> 00:51:12.519
three seven seven to one help.
You'll think you're his only customer when you

678
00:51:12.599 --> 00:51:15.719
choose Frank durand the Real estate Man
dot com to list your home with Remax

679
00:51:15.800 --> 00:51:28.079
Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino,

680
00:51:28.159 --> 00:51:31.119
you're a troubleshooter. Three oh three
seven to one three Talk three oh three

681
00:51:31.159 --> 00:51:35.719
seven one three eight two five five. By the way, my my new

682
00:51:35.760 --> 00:51:43.920
best friend is co Pilot, which
is Microsoft's AI. I'm dropping chat GPT.

683
00:51:44.440 --> 00:51:49.320
It doesn't even come close to copilot, and co Pilot talks to chat

684
00:51:49.400 --> 00:51:53.280
dozen so I can say copilot blah
blah blah and it will do it.

685
00:51:53.599 --> 00:51:58.000
Oh, I want to do an
experiment here, honesty, gosh, I'm

686
00:51:58.000 --> 00:52:00.320
gonna do an experiment. Yes,
copilot? Who the best roof? Hold

687
00:52:00.360 --> 00:52:06.960
on? Hold on? Hold on? What can you tell me about Mark

688
00:52:07.400 --> 00:52:14.840
Major? Who lives in Denver,
Colorado area? Oh, don't make me

689
00:52:14.880 --> 00:52:22.480
put your name in I already did, Lord knows hold on, hold on,

690
00:52:22.519 --> 00:52:29.519
Mark, hold on listen. Oh
they see they don't have your spelling.

691
00:52:29.599 --> 00:52:34.079
A few individuals named Mark Major associated
with It's the wrong one. It's

692
00:52:34.079 --> 00:52:37.760
the wrong spelling. Never mind,
Well, how do I make very handsome,

693
00:52:38.440 --> 00:52:42.800
well educated? Keep going? Hold
on? Hold what do you hold

694
00:52:42.760 --> 00:52:46.480
about Mark? Holder on the Troubleshow
what can you tell me about Mark Major?

695
00:52:46.800 --> 00:52:52.800
Spelled? He doesn't even list me
on the show. I don't know

696
00:52:52.800 --> 00:52:59.320
what you're talking are I am pretty
absolutely serious? That sounds like you've been

697
00:52:59.320 --> 00:53:02.760
hold on, hold on ghost it
no, see, never mind totally this

698
00:53:02.800 --> 00:53:08.079
one does chat brought them up anyway? Three oh three seven one three talk

699
00:53:08.159 --> 00:53:13.719
seven one three eight two five five? John, what's happening man? What's

700
00:53:13.760 --> 00:53:19.480
going on? John? I'm doing
well? How are you good? Man?

701
00:53:19.559 --> 00:53:27.559
What's happening? Hey? So I
thought about coming owner operating three years

702
00:53:27.559 --> 00:53:32.079
ago? Wait? You became an
owner operator three years ago? Yes?

703
00:53:34.000 --> 00:53:39.920
Okay? And I bought of semi
chops and uh, it's patrick could be

704
00:53:39.920 --> 00:53:45.079
giving your problems since day one?
Now? Did you buy a used semi?

705
00:53:46.280 --> 00:53:52.519
Yes? I did, and it's
gonna this is gonna be like any

706
00:53:52.639 --> 00:53:57.599
used car or used vehicle purchase.
What I'd like to know is what did

707
00:53:57.639 --> 00:54:08.880
you buy? Two even sleeper?
Wait? Wait a two thousand eleven?

708
00:54:09.599 --> 00:54:15.239
Oh? I got it? Twenty
eleven? What kind? Uh? Freightliner?

709
00:54:15.960 --> 00:54:21.119
Okay? And did you go to
a major? Did you buy the

710
00:54:21.159 --> 00:54:25.280
trailer too or just the cab?
Just a cab? It's a sleeper for

711
00:54:25.440 --> 00:54:35.239
one okay? Now what is going
on with it? So? From day

712
00:54:35.280 --> 00:54:42.440
one? How did we get to
Uh? I went to the shop to

713
00:54:42.480 --> 00:54:45.320
look at it because that's where they
had it before they Was this a dealer?

714
00:54:45.639 --> 00:54:54.360
Was this a dealer? Yes?
Who's the dealer? Uh? Whether

715
00:54:54.360 --> 00:54:59.239
didn't I say? Right? Now, okay, go ahead. Then what

716
00:54:59.400 --> 00:55:07.400
happened? Yeah, they're a border
off in Commer City and want to go

717
00:55:07.480 --> 00:55:12.079
look at it at their shop.
They had to read to their selling yard

718
00:55:12.159 --> 00:55:19.159
yet, and I just figured that
that would be the one, and so

719
00:55:19.679 --> 00:55:29.119
get back to their dealer yard and
start on paperwork and they let me take

720
00:55:29.159 --> 00:55:31.719
it. About a week later,
they let me take it, you know,

721
00:55:31.960 --> 00:55:36.039
just to kind of like get a
feel of it the driving. And

722
00:55:37.039 --> 00:55:45.039
I had already start having problems,
certain problems at the time that they let

723
00:55:45.079 --> 00:55:50.360
me keep it. The test routed
and but you still went through with the

724
00:55:50.440 --> 00:55:55.920
sale, right, yes, and
so but why why did you do that

725
00:55:55.960 --> 00:56:02.599
if you were having questions? Mm
hmm, Because I knew that there were

726
00:56:02.800 --> 00:56:08.760
I was going to be facing repairs
getting into the as an owner operator,

727
00:56:09.440 --> 00:56:15.880
and I didn't mind taking the repairs
on it. But eventually it was repair

728
00:56:15.000 --> 00:56:21.440
after repair every how. Wait wait, wait, did this come as is

729
00:56:21.599 --> 00:56:27.800
or did you get a warranty?
So there were it was both. It

730
00:56:27.880 --> 00:56:30.760
was as is and there was a
war. Well there, it's not both.

731
00:56:30.960 --> 00:56:35.679
So what do you mean by that? Well, when I first thought

732
00:56:35.719 --> 00:56:40.400
it, there was as is,
and I didn't want to sign it,

733
00:56:40.440 --> 00:56:51.119
but I told the seller that I
can't sign this because it's as is and

734
00:56:51.119 --> 00:56:53.400
it's going to avoid my warranty.
And he was like, no, it's

735
00:56:53.440 --> 00:56:59.199
not, so I signed it.
But John John, hold on a second,

736
00:57:00.440 --> 00:57:06.239
A twenty eleven freight liner doesn't have
a warranty. I don't know of

737
00:57:06.320 --> 00:57:13.639
any warranties that go fourteen years?
Do you no? Then? What did

738
00:57:13.679 --> 00:57:15.159
you mean it was gonna? Oh, I'm sorry you bought it three years

739
00:57:15.159 --> 00:57:20.360
ago. I'm sorry, But was
it under warranty factory warranty at the time

740
00:57:20.400 --> 00:57:23.960
you bought it? I doubt it
was it factory warranty though there was a

741
00:57:24.079 --> 00:57:30.719
Misserve dealership warranty. Well, there
is no dealership warranty unless they include a

742
00:57:30.760 --> 00:57:35.280
warranty. So you either buy it
as is or you buy it with a

743
00:57:35.320 --> 00:57:38.719
warranty. So I'm confused. It's
not that we don't want to help you,

744
00:57:38.760 --> 00:57:43.239
but I need to have accurate information
or I can't help you. Did

745
00:57:43.280 --> 00:57:46.599
you buy it as is? The
answer is yes, right, yes.

746
00:57:47.480 --> 00:57:52.599
How many miles were on it at
the time about four hundred and seventy or

747
00:57:52.599 --> 00:57:59.559
seven thousand, that's pretty hefty even
what did it have a Cummins or Detroit?

748
00:57:59.599 --> 00:58:07.599
What did it have de choite and
it's a series sixty uh D thirteen.

749
00:58:08.800 --> 00:58:17.280
What's that dB thirteen de choite?
Okay, so that's an oil bucket.

750
00:58:17.320 --> 00:58:22.719
Basically, all right, hold on
a second, let's let's figure this

751
00:58:22.800 --> 00:58:30.400
out. Three oh three seven one
three a two five five Go with a

752
00:58:30.440 --> 00:58:34.800
sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent

753
00:58:35.000 --> 00:58:43.440
until you're contenta time for an insurance
check up free no obligation comparison call Compass

754
00:58:43.480 --> 00:58:47.159
Insurance paying too much your coverage at
dozens of insurance companies find out now three

755
00:58:47.199 --> 00:58:52.039
oh three seven seven to one Help. You'll think you're his only customer when

756
00:58:52.079 --> 00:58:54.800
you choose Frank durand the real estate
Man dot com to list your home with

757
00:58:54.920 --> 00:59:04.400
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martino,

758
00:59:05.360 --> 00:59:09.159
your troubleshooter three oh three seven to
one three talks seven one three eight

759
00:59:09.159 --> 00:59:15.000
two five five. So John on
these on these trucks. You know,

760
00:59:15.559 --> 00:59:22.119
I know people think those mileage is
outrageous, but you know a lot of

761
00:59:22.159 --> 00:59:24.639
times, you know half a million
miles. People will buy a used truck

762
00:59:24.639 --> 00:59:28.239
with a half a million miles and
get another three hundred out of it before

763
00:59:28.280 --> 00:59:31.920
major repairs. If everything was done
perfectly to that truck. But even though

764
00:59:32.079 --> 00:59:37.760
the engine might go that far,
you still have problems with mounts and transmissions

765
00:59:37.800 --> 00:59:45.519
and ball joints and front ends and
but they're all pretty party and able to

766
00:59:45.599 --> 00:59:50.280
go right out of the factory.
Probably they can all go five hundred thou

767
00:59:50.920 --> 00:59:55.039
but that's when you start having to
replace things. Now, did you get

768
00:59:55.079 --> 01:00:04.400
an independent checkout of this truck BEF
before you bought it? Independent checkout?

769
01:00:05.599 --> 01:00:12.519
Like did you take it somewhere to
be checked like Stuart and Stevenson or Interstate

770
01:00:12.639 --> 01:00:19.719
or somewhere where you know where they
could check it out? Yeah, yes

771
01:00:19.800 --> 01:00:23.239
I did, And I'm not talking
about where you bought it. I'm talking

772
01:00:23.239 --> 01:00:30.639
about an independent shop before you bought
it. You took it there right right?

773
01:00:30.440 --> 01:00:36.320
Where did you take it to be
checked out? Oh, there's a

774
01:00:37.119 --> 01:00:45.960
place called uh your own west or
to choke through the self freightliner parts And

775
01:00:45.159 --> 01:00:49.159
they have a garage and they took
it in and went through it for you.

776
01:00:50.360 --> 01:00:55.119
Yes, yeah, they're at viewership. Well that's cool. That's not

777
01:00:55.239 --> 01:00:59.320
where you bought it, right,
No, that's not where I bought it.

778
01:00:59.360 --> 01:01:01.840
But okay, what did they charge
you for that pre buy inspection?

779
01:01:04.519 --> 01:01:08.119
Uh? Five hundred bucks? Wow? So did they find any problem?

780
01:01:08.199 --> 01:01:13.519
I'm glad you did that, John. Did they find any problems? Yes?

781
01:01:13.599 --> 01:01:19.880
They did. They mentioned to me
that there was a problem with the

782
01:01:19.920 --> 01:01:28.079
fuel system, and they mentioned that
there was like metal metal shaving in the

783
01:01:28.119 --> 01:01:31.880
fuel system, and so I called
it the the cardier back. We're messing

784
01:01:32.000 --> 01:01:36.639
to them that we got a problem
here, and they pretty much told me

785
01:01:36.719 --> 01:01:38.599
you already bought it, you already
signed for it. Wait, no,

786
01:01:39.119 --> 01:01:45.199
John, you just told me you
had it checked out before you bought it.

787
01:01:47.320 --> 01:01:53.480
Uh. Yes, actually after I
bomb well that that won't count.

788
01:01:53.519 --> 01:01:58.559
Never mind, that won't count.
So you bought it kind of as is.

789
01:01:58.599 --> 01:02:01.480
That still doesn't mean I want to
make this clear, John, let's

790
01:02:01.480 --> 01:02:07.360
get right to it. Okay.
Yeah, even though you buy something as

791
01:02:07.599 --> 01:02:12.719
is, that doesn't mean someone can
lie to you or cheat you. Okay,

792
01:02:13.519 --> 01:02:16.800
because they can't. But here's the
problem. I don't know where we're

793
01:02:16.840 --> 01:02:21.639
going with this. But if you
think you were defrauded or cheated, is

794
01:02:21.679 --> 01:02:24.760
that the case or do you feel
you just don't like the truck? After

795
01:02:24.880 --> 01:02:30.239
three years? How many miles did
you put on it. So I now

796
01:02:30.239 --> 01:02:34.360
it has like seven hundred and eighty
miles? Did you you put two hundred

797
01:02:34.440 --> 01:02:37.800
thous on it? Yeah, and
then the motor finally went out let too

798
01:02:37.840 --> 01:02:42.559
much of it? Well, hold
on a second. So you had four

799
01:02:42.639 --> 01:02:49.360
hundred and ninety five and you put
three hundred thousand on it about from your

800
01:02:49.480 --> 01:02:54.280
math, and you went nearly a
million miles? And so what what is

801
01:02:54.320 --> 01:03:02.760
the about today? So off and
on. I've been putting adding parts to

802
01:03:02.880 --> 01:03:07.159
it and had it and shot quite
a bit a few times until like two

803
01:03:07.159 --> 01:03:10.280
months ago the mother went out.
So yeah, but what is wrong with

804
01:03:10.400 --> 01:03:14.599
that? I mean? And I
don't I'm not being a smart ass here,

805
01:03:14.639 --> 01:03:17.320
John, I'm really trying to discuss
this. If you buy a truck

806
01:03:17.360 --> 01:03:22.840
with that almost a half a million
miles and you put over two hundred nearly

807
01:03:22.840 --> 01:03:28.280
three hundred thousand miles on it,
you're gonna have maintenance issues and eventually have

808
01:03:28.400 --> 01:03:32.559
to replace the engine, right,
right, right, So the truck was

809
01:03:34.000 --> 01:03:38.599
forty thousand. That took already over
forty thousand into it. Wait, you

810
01:03:38.760 --> 01:03:45.079
bought that for forty grand, yes, and you put forty into it?

811
01:03:45.119 --> 01:03:52.199
Is that including the new engine?
No, the engine has just happened a

812
01:03:52.239 --> 01:03:59.119
couple of months ago. So what's
that gonna cost you? Probably about another

813
01:03:59.159 --> 01:04:04.480
two thousand? Okay, So the
forty that you put into it, was

814
01:04:04.519 --> 01:04:18.000
it anything that the dealer lied to
you about? No? So it was

815
01:04:18.119 --> 01:04:26.800
normal wear and tear. Yeah,
I thinking around that park. But let

816
01:04:26.800 --> 01:04:30.000
me ask you some to John,
If you've talked to other truckers I'm sure

817
01:04:30.320 --> 01:04:35.519
and other people do you, isn't
this normal? What happened to you?

818
01:04:35.840 --> 01:04:41.760
Isn't it normal? In other words, I'm not blaming you, I'm not

819
01:04:41.840 --> 01:04:45.239
blaming the dealer, but it's just
normal. I mean, you put miles

820
01:04:45.280 --> 01:04:49.559
on things, and you have maintenance
on things. Or is there something else

821
01:04:49.719 --> 01:04:54.920
you're not telling me? See,
I know you're upset about it, but

822
01:04:55.239 --> 01:05:01.000
why because I've ended up putting more
than what I've paid for it in repairs?

823
01:05:02.079 --> 01:05:08.480
Okay, but that's what I'm getting
at though. Those repairs were they

824
01:05:08.599 --> 01:05:15.679
abnormal for another truck that would have
five hundred thousand miles on it? Probably

825
01:05:15.760 --> 01:05:23.719
soon? In other words, yeah, did the dealer? Did the dealer

826
01:05:23.760 --> 01:05:39.639
do you wrong? You know?
Yeah? Yeah? How by telling me

827
01:05:39.719 --> 01:05:45.880
something that wasn't going it? Oh? Wor's forty thousand? Well? Who

828
01:05:45.920 --> 01:05:53.840
says it wasn't worth forty thousand.
By all, there were seats that I

829
01:05:53.920 --> 01:05:58.000
have to show the repairs of.
No. See, we're in a circle.

830
01:05:58.079 --> 01:06:00.440
Now, we're in a circle.
Hold on, John, What you

831
01:06:00.519 --> 01:06:06.199
put into something isn't indicative of what
it's worth. What you put into something

832
01:06:06.320 --> 01:06:12.559
is indicative of how it was worn
out, what it was worth at the

833
01:06:12.679 --> 01:06:17.119
time. Why did you pay forty
thousand for it if it wasn't worth forty

834
01:06:17.199 --> 01:06:23.639
thousand. Well, it was the
first truck that I have bought, so

835
01:06:24.320 --> 01:06:28.079
okay, So you didn't do a
lot of research on it before you bought

836
01:06:28.119 --> 01:06:32.760
it. Yeah, I did a
little research what kind of brand it is

837
01:06:32.800 --> 01:06:36.159
and how far it is going to
get me. But I mean you already

838
01:06:36.199 --> 01:06:41.079
don't know what you get until you
know you test. You know. Let

839
01:06:41.079 --> 01:06:45.039
me ask you this. When you
talk to other truckers, do they say,

840
01:06:45.320 --> 01:06:48.199
hey, man, you should really
be upset and that they did you

841
01:06:48.320 --> 01:06:51.800
wrong. I mean, what do
they tell you? No? Actually,

842
01:06:51.840 --> 01:06:58.280
I know how the drivers you all
though, because and bent through plums like

843
01:06:58.360 --> 01:07:04.360
this. But like I said,
since day one, I've been experiencing just

844
01:07:04.760 --> 01:07:09.519
throw money out to make this repair. No, I get it. Listen,

845
01:07:09.639 --> 01:07:13.280
I don't doubt it. I just
don't think there's anything you can I'm

846
01:07:13.320 --> 01:07:15.039
gonna be honest with you here,
John, So you're not wasting time.

847
01:07:15.559 --> 01:07:19.039
I don't. I don't see anything
you can do about it. That's the

848
01:07:19.119 --> 01:07:24.159
luck of the draw. Whoever had
this truck maybe did not maintain it as

849
01:07:24.159 --> 01:07:28.199
well as they should have. But
but I mean, it's not unusual.

850
01:07:29.519 --> 01:07:33.880
It's not unusual. That's all I
can say. And if it's any consolation

851
01:07:34.039 --> 01:07:39.480
to you, I look these up. Okay, if you put an engine

852
01:07:39.480 --> 01:07:42.079
in that right now, can you
upgrade that, by the way, or

853
01:07:42.079 --> 01:07:48.039
are you talking about just a straight
rebuild, straight rebuild? Okay, if

854
01:07:48.039 --> 01:07:53.599
you put if you rebuild that engine, you're gonna be good to go for

855
01:07:53.639 --> 01:07:57.039
a long time. What kind of
trun do you have an Alison transmission?

856
01:07:59.000 --> 01:08:05.280
Manuel? Yes? Yes? Is
it Alison? Yes? That transmission?

857
01:08:05.920 --> 01:08:13.840
Is it giving you any trouble?
No? You know, it might be

858
01:08:13.920 --> 01:08:17.199
worth putting the money into that truck
rather than trying to sell it and get

859
01:08:17.239 --> 01:08:20.960
another one. It might be worth
it, especially if it's making you money.

860
01:08:21.039 --> 01:08:29.319
I got to take this break hold
on go with a sure thing Denver's

861
01:08:29.359 --> 01:08:32.680
best roofer Excel roofing dot Com.
You don't pay a cent until you're content.

862
01:08:34.279 --> 01:08:41.800
Plea time for an insurance checkup free, no obligation comparison call Compass Insurance

863
01:08:41.960 --> 01:08:45.000
paying too much your coverage at dozens
of insurance companies find out now three O

864
01:08:45.119 --> 01:08:48.760
three seven to seven to one help. You'll think you're his only customer when

865
01:08:48.840 --> 01:08:53.560
you choose Frank durand the real estate
man dot com to list your home with

866
01:08:53.680 --> 01:09:14.800
Remax Alliance three three nine two zero
sixteen twenty two. Hi, Tom Martinez,

867
01:09:14.840 --> 01:09:18.000
your troubleshooter. Three oh three seven
one three talk seven one three eight

868
01:09:18.000 --> 01:09:20.920
two five five. Let's go back
to the phone. Let's go back to

869
01:09:20.960 --> 01:09:23.359
the phone. So here, we
don't have a lot of time, but

870
01:09:23.399 --> 01:09:27.159
I want to start. I don't
think there's anything we can do for John

871
01:09:27.199 --> 01:09:30.720
on his truck. I really don't. I wish there was something we could

872
01:09:30.760 --> 01:09:34.079
do. I don't think there is. Max. What is your question on

873
01:09:34.199 --> 01:09:39.800
movers? Yeah, I listen to
you all the time, and you've warned

874
01:09:39.880 --> 01:09:45.520
repeatedly about hiring movers that might self
contract to somebody else, and I want

875
01:09:45.520 --> 01:09:48.520
to know how to avoid that.
I'm okay, you know what. I

876
01:09:49.199 --> 01:09:53.319
really applaud you for calling me bro, because I want to help you,

877
01:09:53.920 --> 01:09:58.560
and let's talk about that. If
you hang on and you're gonna save yourself

878
01:09:58.600 --> 01:10:02.239
a ton of trouble just because you
did this. Because most people, not

879
01:10:02.439 --> 01:10:10.039
some, Most people get ripped off
by movers. I'm Tom Martine. Go

880
01:10:10.159 --> 01:10:14.399
with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay

881
01:10:14.439 --> 01:10:20.800
a cent until you're contenth time for
an insurance check up free, no obligation.

882
01:10:20.840 --> 01:10:26.199
In comparison, call Compass Insurance.
Pay too much your coverage at dozens

883
01:10:26.239 --> 01:10:29.920
of insurance companies find out now three
oh three seven seven to one help.

884
01:10:30.079 --> 01:10:32.880
You'll think you're his only customer when
you choose Frank durand the real estate Man

885
01:10:32.920 --> 01:10:38.439
dot com to list your home with
Remax Alliance three oh three nine two zero

886
01:10:38.520 --> 01:10:57.079
sixteen twenty two ripped delet advice.
You don't have come run anxiousness can Shoot's

887
01:10:57.199 --> 01:11:04.960
gonna help come? This is the
Troubleshooter Show. No Tom Martino, Hi

888
01:11:05.800 --> 01:11:11.000
Tom Martino here. Three oh three
seven one three talk three oh three seven

889
01:11:11.079 --> 01:11:17.159
one three eight two five five.
Let's talk and solve problems, answer questions,

890
01:11:17.640 --> 01:11:20.239
take complaints, and make your life
just a little a little easier.

891
01:11:20.279 --> 01:11:23.920
This how I brought to you by
eight eight eight heating dot com. If

892
01:11:23.960 --> 01:11:27.520
you want to get a twenty eight
dollars service of your water heater, it's

893
01:11:27.640 --> 01:11:30.680
twenty eight bucks and they will and
if it's flushable, they'll flush it and

894
01:11:30.840 --> 01:11:33.439
take care of a water heater for
twenty eight bucks. If it needs any

895
01:11:33.479 --> 01:11:36.880
repairs, they credit you twenty eight
They do that with anything. If you

896
01:11:36.920 --> 01:11:40.479
want to get your toilet service,
twenty eight bucks, any one item,

897
01:11:40.560 --> 01:11:45.000
twenty eight bucks. They find the
problem, they service the item, and

898
01:11:45.119 --> 01:11:48.760
they credit you the twenty eight bucks. That's eight eight eight heating dot Com.

899
01:11:48.920 --> 01:11:54.600
Let's talk to you now about your
problems. Max. You have a

900
01:11:54.720 --> 01:11:57.319
question on movers, and I'm so
happy you're calling before the move, not

901
01:11:57.479 --> 01:12:01.000
after the move. But it depends
there's moving is a problem. The main

902
01:12:01.119 --> 01:12:05.159
problem, however, is when you're
moving interstate, not in trust state,

903
01:12:05.239 --> 01:12:10.439
although interra state local moves are still
a problem, but the main problem comes

904
01:12:10.479 --> 01:12:13.920
with national moves. What are you
going to be moving where? I mean

905
01:12:14.000 --> 01:12:18.039
I'm gonna be I'm going to be
moving to California, Sokay? All right,

906
01:12:18.960 --> 01:12:23.399
Now I'm going to give you a
recommendation and then it's going to take

907
01:12:23.399 --> 01:12:26.199
away most of your problems. But
I'm going to give you general rules for

908
01:12:26.279 --> 01:12:30.359
those listening. First rule Tommy's you
should get a psychiatrist if he's moving to

909
01:12:30.439 --> 01:12:38.680
California. Okay, Max, listen, listen, man, here's the here's

910
01:12:38.680 --> 01:12:43.520
the bottom line. All right.
First, analyze, and I mean this,

911
01:12:44.479 --> 01:12:48.239
analyze what you're moving. If you're
moving old couches and chairs and a

912
01:12:48.279 --> 01:12:54.720
bunch of old crap, it's almost
never worth moving. It's better to get

913
01:12:54.880 --> 01:12:57.720
rid of it and buy I'm serious
when I tell you this, By the

914
01:12:57.720 --> 01:13:01.640
way, it's better not to and
just to your keepsakes, your memorabilia and

915
01:13:01.760 --> 01:13:05.920
the stuff you really love, and
pack that up and either ship it or

916
01:13:06.079 --> 01:13:10.159
just take it with you in a
motor vehicle of some kind or rent one.

917
01:13:10.680 --> 01:13:14.600
Now again, if your hell bent
on moving, which is fine,

918
01:13:15.399 --> 01:13:18.279
but I'm telling you this. If
I was going cross country, I wouldn't

919
01:13:18.279 --> 01:13:23.079
take anything. I would sell it
all. But in any case, let's

920
01:13:23.159 --> 01:13:30.079
talk about moving first and foremost.
I'm just gonna say this, never ever,

921
01:13:30.840 --> 01:13:35.680
ever use any movers out of Florida. Okay, check that off.

922
01:13:38.039 --> 01:13:44.399
Number one. Number two. Number
two, Never go to the internet and

923
01:13:44.600 --> 01:13:48.880
just pick someone because ninety eight percent
of the time, they're not movers.

924
01:13:49.239 --> 01:13:51.319
In fact, if you go to
my YouTube, I have a brand new

925
01:13:51.439 --> 01:13:59.000
video up there outlining this whole thing. The first because here's the scam and

926
01:13:59.199 --> 01:14:01.199
variations of it, I'm going to
give it to you really quickly. The

927
01:14:01.279 --> 01:14:04.720
first person you call, no matter
what price, they're going to give you

928
01:14:04.800 --> 01:14:09.680
a good price. They're going to
talk to you into giving them a deposit

929
01:14:10.239 --> 01:14:14.840
and you'll never see or hear from
that person. Again. That's that's broker

930
01:14:15.000 --> 01:14:17.600
number one, who's no. One, but that's the one that most people

931
01:14:17.760 --> 01:14:21.760
get when they go to the internet. That person now sells the contract to

932
01:14:21.880 --> 01:14:27.840
someone else. That's someone else's job
is they paid a few hundred bucks for

933
01:14:27.920 --> 01:14:32.239
that contracts plus that mover talked you
into a deposit, so now they're out

934
01:14:32.279 --> 01:14:36.600
of your life. The second person
now enters and they come to your house

935
01:14:38.079 --> 01:14:41.800
to pick up your stuff. When
you're desperate to leave and you're thinking,

936
01:14:41.840 --> 01:14:43.960
okay, they're going to be here, going to be here, they show

937
01:14:44.079 --> 01:14:46.359
up and say, oh, we
can't do it for that price, and

938
01:14:46.439 --> 01:14:49.600
they increase it and if you don't
pay it, they don't pick your stuff

939
01:14:49.680 --> 01:14:54.640
up. So you're desperate and you
pay it. Happens every time. That

940
01:14:54.920 --> 01:14:59.159
person ninety percent of the time will
not be the one to deliver your stuff.

941
01:15:00.159 --> 01:15:03.560
They're going to sell you the move
to someone else who's going to move

942
01:15:03.680 --> 01:15:09.600
it and deliver it. And when
they get there, they're going to tell

943
01:15:09.640 --> 01:15:12.960
you they waited and it was way
more than they were told and you're going

944
01:15:13.039 --> 01:15:15.760
to have to pay again for them
to unload it. And if you don't,

945
01:15:15.800 --> 01:15:18.800
they're going to hold your stuff hostage, and then the nightmare begins.

946
01:15:19.880 --> 01:15:27.800
So what you really want is a
true mover who owns trucks. Okay,

947
01:15:28.119 --> 01:15:32.039
if they don't own and operate trucks, you do not want them. I

948
01:15:32.079 --> 01:15:34.720
don't care who they are. Now, they can lease those trucks, but

949
01:15:34.800 --> 01:15:39.319
it has to be their trucks,
and they have to have a brick and

950
01:15:39.399 --> 01:15:45.079
mortar location. If they do not, that's just don't use them. And

951
01:15:45.199 --> 01:15:50.119
then you only want to deal with
established national movers. Now, I don't

952
01:15:50.239 --> 01:15:59.880
mean names that say we're established national
mover. I mean established national movers okay,

953
01:16:00.760 --> 01:16:05.680
USA movers. Okay, I mean
like just established, And what do

954
01:16:05.800 --> 01:16:09.800
I mean by that. We've heard
of Beacons, we heard of Lafayette,

955
01:16:09.840 --> 01:16:14.800
we heard a North American we've heard
of Grabel. These are established, Okay,

956
01:16:15.399 --> 01:16:17.640
they're not just coming up. Now. You're gonna get a lot of

957
01:16:17.720 --> 01:16:24.760
them with similar names. Okay,
but you do not want that. You

958
01:16:24.960 --> 01:16:30.119
want not someone who said that they
are, Like like they come up with

959
01:16:30.199 --> 01:16:35.720
a name like Lafayette Storage and Moving, it's not Lafayette or Beacon. There

960
01:16:35.840 --> 01:16:41.279
was one that played off the name
Beacon or Mayflower. You want to make

961
01:16:41.359 --> 01:16:45.239
sure they are actually one of these
major movers. And then you want to

962
01:16:45.319 --> 01:16:50.600
use one of their reliable agents,
someone who's been an agent with them for

963
01:16:50.880 --> 01:16:58.199
years, and someone who owns trucks. That's it. Okay, that's it.

964
01:16:59.000 --> 01:17:00.720
And then you want I want to
get from that mover. I don't

965
01:17:00.760 --> 01:17:03.960
care if they say, well,
that's going to be more expensive no matter

966
01:17:04.079 --> 01:17:12.239
what they tell you. You want
what is called a guaranteed not to exceed

967
01:17:13.159 --> 01:17:19.479
contract. Okay, if you do
these things, you'll be fine. Now,

968
01:17:19.640 --> 01:17:24.479
if you're here in Colorado, you
should just use American Moving. Yeah.

969
01:17:24.520 --> 01:17:26.880
I was just gonna say, if
you're here, go to referral liss

970
01:17:26.920 --> 01:17:33.520
dot com and use American Moving.
And they're an agent for who mark beacons

971
01:17:34.119 --> 01:17:40.520
beacons. So there you go.
We already did your homework, I got,

972
01:17:40.600 --> 01:17:45.199
I got a question for you.
Go ahead. My situation is that

973
01:17:45.399 --> 01:17:48.479
I am leaving my home. I'm
doing what you shaid. I'm getting rid

974
01:17:48.520 --> 01:17:53.520
of most, if not all,
of my furniture and most of my goods

975
01:17:54.039 --> 01:17:58.279
are in boxes, and it's going
to be a lot of boxes because I'm

976
01:17:58.279 --> 01:18:00.680
a professional and I have to take
a lot of records with me. So

977
01:18:01.680 --> 01:18:06.880
the situation is sound like, Biden, how many how many boxes? And

978
01:18:08.079 --> 01:18:11.840
how much will those boxes fill up
a whole semi or is it just can

979
01:18:11.920 --> 01:18:15.560
you rent a van or tell me
how big? Well, how much volume

980
01:18:15.800 --> 01:18:23.159
about? I would say about at
most thirty boxes. No, that's you

981
01:18:23.239 --> 01:18:27.359
know, And I don't have anybody
to drive a rental truck across country,

982
01:18:27.560 --> 01:18:30.680
And that's too bad. That's too
bad because that would be one of your

983
01:18:30.720 --> 01:18:32.479
best options in the world is to
get a U haul or some or a

984
01:18:32.600 --> 01:18:36.640
rider truck and either do it yourself
or get someone else. That's really your

985
01:18:36.680 --> 01:18:41.199
best option for what you want,
that's your best option. I would never

986
01:18:41.439 --> 01:18:46.199
trust just boxes with records with a
regular mover. Okay, well, well

987
01:18:46.399 --> 01:18:50.159
it's not just records. I mean
it's some personal goods too. No,

988
01:18:50.319 --> 01:18:54.319
I get it. Maybe then then
call American. Just call them. But

989
01:18:55.800 --> 01:19:00.479
you want to guaranteed not to exceed
contract? Question will will now can or

990
01:19:00.479 --> 01:19:04.680
a company like that take on a
small amount like that? That's that you'd

991
01:19:04.760 --> 01:19:08.560
have to ask them. They have
to what they have to do when you're

992
01:19:08.640 --> 01:19:13.600
not filling up trucks. They have
to do what's called coordinated moves. That

993
01:19:13.840 --> 01:19:19.680
involves coordinating you with other people going
in the same general directions. So and

994
01:19:19.800 --> 01:19:25.840
then they put you on the truck
accordingly. But yeah, they can do

995
01:19:26.000 --> 01:19:29.359
they they can do it. The
bigger the mover, the more chance of

996
01:19:29.399 --> 01:19:34.399
them doing it. When you say
a guaranteed contract not to exceed? Are

997
01:19:34.479 --> 01:19:42.199
you talking money or pounds? Money? Okay? Understood? Yep, and

998
01:19:42.600 --> 01:19:45.800
you should be okay if you have
that many boxes, what furniture are you

999
01:19:45.960 --> 01:19:51.920
taking? If any? None that
I can really think of right now,

1000
01:19:51.960 --> 01:19:57.600
I'm going to go to state sale. Well then it does boil down to

1001
01:19:57.720 --> 01:20:00.720
boxes, right, yes, sir? And are you going to pack all

1002
01:20:00.760 --> 01:20:05.680
those I have? We put them
in boxes, but I could have the

1003
01:20:05.760 --> 01:20:10.560
movers pack them. I'd rather do
that. It's safer, I think,

1004
01:20:11.560 --> 01:20:16.399
to have movers do it. Yes. Sometimes. And by the way,

1005
01:20:17.000 --> 01:20:23.760
if you don't buy insurance. The
most you're going to be covered for is

1006
01:20:23.880 --> 01:20:31.680
sixty cents a pound. Okay.
And if your records are really really important,

1007
01:20:32.600 --> 01:20:39.960
like legal or medical or financial,
yes, then then I wouldn't do

1008
01:20:40.000 --> 01:20:46.079
it with a regular mover without a
bonded carrier, especially with legal and financial

1009
01:20:47.720 --> 01:20:53.119
and I mean financial, like like
if you're if you're a registered investment advisor,

1010
01:20:53.159 --> 01:20:59.439
and you're required to keep those records
for five years, don't don't use

1011
01:20:59.479 --> 01:21:02.039
it with a regular mover. You
said you're a professional. What kind of

1012
01:21:02.119 --> 01:21:09.680
professional records are we talking about?
Medical? Hey? Doc? What would

1013
01:21:09.720 --> 01:21:12.760
you do if you had to move
medical records? Can't? Are you?

1014
01:21:13.039 --> 01:21:15.920
Are you? Why are you taking
them with you? Why don't you leave

1015
01:21:15.960 --> 01:21:20.079
them with a depository? I'm curious
because some of the work that I did

1016
01:21:20.279 --> 01:21:27.760
is sensitive or was for the government, and I may be called to testify

1017
01:21:27.880 --> 01:21:30.880
and things like that. Okay,
I have to have them close at hand.

1018
01:21:34.079 --> 01:21:41.119
Interesting, Hey doc, Yeah,
a medical record. When you closed

1019
01:21:41.159 --> 01:21:44.359
your office, did you sell your
practice or close it? I closed it?

1020
01:21:45.000 --> 01:21:46.880
What did you do with medical records? I was in an unusual position.

1021
01:21:47.399 --> 01:21:50.880
You have to keep medical records for
seven years, except if you're an

1022
01:21:50.920 --> 01:21:56.840
obstetrician. You have to keep birth
records for twenty for eighteen years, So

1023
01:21:57.079 --> 01:22:00.840
technically somebody who was born and had
a problem could sue me up until they're

1024
01:22:00.840 --> 01:22:05.079
eighteen years of age. So how
did you do it? I? Well,

1025
01:22:05.159 --> 01:22:11.439
I was I never moved. I
always kept them in my home.

1026
01:22:12.880 --> 01:22:18.920
Really Yeah, in the basement or
in the garage next to your corvette.

1027
01:22:19.039 --> 01:22:26.479
Yeah, right next to my super
route. Wow, Okay, can he

1028
01:22:26.600 --> 01:22:29.760
scan them? Can he? Can
he just scan all these documents and have

1029
01:22:29.880 --> 01:22:32.479
them digitally? Are you allowed to
scan those records? Yeah? But you

1030
01:22:32.560 --> 01:22:38.720
know what it's like to scan a
couple of hundred up records every single page.

1031
01:22:39.800 --> 01:22:42.159
Well, I'm sure there are services
out there that would do that.

1032
01:22:42.439 --> 01:22:45.039
I don't know, it would be, it would be Why would it be

1033
01:22:45.119 --> 01:22:49.319
worth it if you're never gonna need
them because you don't know? Well you

1034
01:22:49.439 --> 01:22:54.119
might, but I mean you're talking
about thousands and thousands of dollars when you

1035
01:22:54.239 --> 01:22:59.079
can storre them for next to nothing. I would rather scan them when I

1036
01:22:59.159 --> 01:23:01.600
need them. Yeah, I'm with
you. I would get a storage storage

1037
01:23:01.600 --> 01:23:11.199
facility in storm. What did you
do research? Max? No? Would

1038
01:23:11.239 --> 01:23:15.319
you have to kill us if you
told us what you did probably okay,

1039
01:23:16.760 --> 01:23:23.439
well, probably part of the Philadelphia
project, it would It was a lot

1040
01:23:23.479 --> 01:23:29.319
of his court testimony. Ori AENTI
okay, court Testmary. Yeah, like

1041
01:23:29.439 --> 01:23:31.359
I said, you know, you
be your own judge on that. I

1042
01:23:31.439 --> 01:23:34.880
mean, most movers, if they're
reputable, are going to take care of

1043
01:23:34.880 --> 01:23:40.039
stuff. They're not just going to
lose it. But if you're personally responsible

1044
01:23:40.119 --> 01:23:44.840
for stuff and it has to do
with liability, I would never ever just

1045
01:23:44.960 --> 01:23:47.279
do it like that. Ever,
if I had to hire someone personally,

1046
01:23:48.279 --> 01:23:51.840
and I'm sure you can find somebody
to drive a truck, I would rent

1047
01:23:51.880 --> 01:23:57.800
a truck and hire someone. That's
what I would do. But in any

1048
01:23:57.880 --> 01:24:03.239
case, I have a question.
Is American Movers that you recommended a bonded

1049
01:24:03.479 --> 01:24:10.560
company? Yes, okay, well
hold on, they're insured. Bonding is

1050
01:24:10.600 --> 01:24:14.439
a different story. I don't know. I can't say for sure, but

1051
01:24:14.640 --> 01:24:20.560
they're licensed and insured. But remember
that insurance is for negligence, and that

1052
01:24:20.800 --> 01:24:28.920
insurance is for the minimal insurance for
an interstate carrier. It's not for you,

1053
01:24:30.600 --> 01:24:35.439
okay. It's only if they do
something crazy and something or accidents and

1054
01:24:35.560 --> 01:24:42.479
stuff like that. Okay, But
the maximum coverage, the maximum coverage to

1055
01:24:42.720 --> 01:24:48.680
you still remains sixty cents a pound, right unless I buy extra? Right,

1056
01:24:49.760 --> 01:24:55.479
that's right. But I'm going to
warn you of something. You can't

1057
01:24:55.800 --> 01:25:01.479
establish the value of a record.
It's going to be the cost of paper.

1058
01:25:02.239 --> 01:25:09.680
If you have to go beyond that
for artwork and for documents and there's

1059
01:25:09.760 --> 01:25:15.399
some kind of derivative value or intrinsic
value, you're going to have to do

1060
01:25:15.560 --> 01:25:21.840
bonded carriers. So if anybody besides
American movers that you reckon, I mean

1061
01:25:21.960 --> 01:25:26.600
bonded carriers, I don't know of
any. No, but they exist,

1062
01:25:26.720 --> 01:25:29.359
but you're going to pay for it. Hey, mag do do the records

1063
01:25:29.439 --> 01:25:31.439
have to be with you in California? You no Federal Express? I'll bet

1064
01:25:31.520 --> 01:25:36.399
you Federal Express and Perk? What
is the other one? Yeah? They

1065
01:25:36.560 --> 01:25:41.720
they have. Well, I believe
that you can get them to do bonded

1066
01:25:41.800 --> 01:25:46.600
car carriage. It's the minimal amount
of furniture that I want to take.

1067
01:25:47.039 --> 01:25:51.319
It is truly minimal. Do you
have anybody besides American movers to take that?

1068
01:25:53.720 --> 01:25:57.680
Well, I don't actually mark who. We used to have others on

1069
01:25:57.760 --> 01:26:00.720
the referral list. I'm not not
that it went out of state. Oh

1070
01:26:00.760 --> 01:26:04.479
okay, yeah, you're right,
you're right, No, we don't,

1071
01:26:04.840 --> 01:26:08.520
but that doesn't mean they don't exist. I mean there are a lot of

1072
01:26:08.600 --> 01:26:12.760
good people out there if you wanted
Johnson and Johnson where the little Teddy Bear

1073
01:26:12.960 --> 01:26:15.199
is? Yeah, Johnson and Johnson
have been around for one hundred and twenty

1074
01:26:15.239 --> 01:26:19.239
five years. But they're not going
to be any different. And I mean

1075
01:26:19.319 --> 01:26:23.119
that they're not going to be different
than American, you know. I mean,

1076
01:26:23.600 --> 01:26:28.079
they're just they're just other dependable movers. But I I'm not sure are

1077
01:26:28.119 --> 01:26:34.079
you asking for others as in for
sensitive materials? No, I'm just just

1078
01:26:34.279 --> 01:26:38.159
general if okay, if you want
to get another bid, you can go

1079
01:26:38.199 --> 01:26:41.319
to American on referral list dot com
and then go to Johnson and Johnson.

1080
01:26:41.399 --> 01:26:44.079
You will never go wrong there.
They used to be on the referral list

1081
01:26:44.199 --> 01:26:46.760
years ago. But I know,
Mark Johnson, they've been around for many,

1082
01:26:46.800 --> 01:26:51.960
many years. Okay, yep,
very much for the hell. Sure,

1083
01:26:53.039 --> 01:26:55.239
let us know how it goes.
Thank you. Are you a doctor

1084
01:26:55.319 --> 01:27:00.359
by the way, Yes? Yes? Okay, cool? Thank you for

1085
01:27:00.439 --> 01:27:08.840
calling three O three seven one three
A two five five go with a sure

1086
01:27:08.960 --> 01:27:13.439
thing Denver's best roofer Excel roofing dot
com. You don't pay a cent until

1087
01:27:13.479 --> 01:27:20.600
you're contenth time for an insurance check
up free, no obligation comparison call Compass

1088
01:27:20.680 --> 01:27:26.319
Insurance paying too much your coverage at
dozens of insurance companies find out now three

1089
01:27:26.399 --> 01:27:30.199
oh three seven seven to one help. You'll think you're his only customer when

1090
01:27:30.239 --> 01:27:32.960
you choose Frank durand the real estate
man dot com to list your home with

1091
01:27:33.079 --> 01:27:49.039
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martino,

1092
01:27:49.239 --> 01:27:55.680
your troubleshooter three O three seven one
three talk seven one three eight two

1093
01:27:55.960 --> 01:28:00.600
five five. Let's keep going here. Bruce, what's going on with you?

1094
01:28:00.800 --> 01:28:08.680
Bruce? All right? Tim me, what's happening. I'm on Social

1095
01:28:08.680 --> 01:28:14.840
Security using Medicare. I went to
a dentist to talk him about getting ventures

1096
01:28:15.560 --> 01:28:21.279
and you're on Medicare. Yeah,
Medicare advantage. Yeah, I'm sorry,

1097
01:28:21.319 --> 01:28:27.279
Medicare avanges. Okay, does that
cover dentures because regular Medicare will not.

1098
01:28:30.000 --> 01:28:31.960
I think the limit was with fifteen
dollars for them, if I'm not mistaken,

1099
01:28:32.039 --> 01:28:35.079
And that's pretty much what it covers. I mean the whole price.

1100
01:28:36.600 --> 01:28:44.840
You can get dentures for fifteen hundred
dollars. Yeah. Now wait a minute,

1101
01:28:44.840 --> 01:28:46.560
Wait a minute, Bruce, have
you ever had dentures before? Me?

1102
01:28:47.800 --> 01:28:53.239
Bruce? Have you had dentures before
a long time ago, but just

1103
01:28:53.319 --> 01:28:56.319
partials? And that was when I
was a teenager. I'm seven. Okay,

1104
01:28:56.439 --> 01:29:00.520
now I guess what I here's what
I'm getting at. In order to

1105
01:29:00.640 --> 01:29:04.159
do dentures, you have to attach
them to things. Do you have anchors

1106
01:29:04.279 --> 01:29:13.159
in your mouth? I had those
partemporaries. They were metal, but now

1107
01:29:13.479 --> 01:29:19.439
the lowers are plastic or whatever material
that is. But there you have permanent

1108
01:29:19.960 --> 01:29:25.039
implants in your jaws right now?
No? No, no, no,

1109
01:29:25.199 --> 01:29:30.560
no, not implants. I'm not
no, listen, I'm not talking about

1110
01:29:30.720 --> 01:29:36.520
implants as in teeth. I'm asking
if you have anchors implanted in your bones

1111
01:29:38.159 --> 01:29:45.720
to hold dentures? No, okay, kind of anchor? Okay. So

1112
01:29:45.000 --> 01:29:49.560
in order to do dentures, in
order to do dentures, are they proposing

1113
01:29:50.239 --> 01:29:55.960
extracting your teeth and then doing the
old fix it and kind of dentures that

1114
01:29:56.159 --> 01:30:00.720
suck up onto your gums uppers.
Yes, they're all gone, All the

1115
01:30:00.760 --> 01:30:04.800
teeth is gone. But I have
ventures. Yeah, but do those ventures?

1116
01:30:04.880 --> 01:30:08.119
You just put it like a grip
on there and put them in.

1117
01:30:08.319 --> 01:30:12.399
Is that how they work. I
don't use a grip. They get up

1118
01:30:12.439 --> 01:30:15.319
in there and they hold on good, good, But they hold on without

1119
01:30:15.439 --> 01:30:21.319
anchors, right yeah, Okay,
so the upper ones you don't have to

1120
01:30:21.359 --> 01:30:30.000
have replaced. No, the uppers
had been replaced. But yeah, you

1121
01:30:30.199 --> 01:30:35.199
just need to do lowers. Well, I already had all the uppers pulled,

1122
01:30:35.239 --> 01:30:40.720
and I had the ventures temporary for
six months, and then I had

1123
01:30:40.960 --> 01:30:45.600
permanent put in. Then I had
the lowers. I had a couple of

1124
01:30:45.640 --> 01:30:48.239
teeth pulled, and so I got
a few teeth left. But get the

1125
01:30:48.319 --> 01:30:54.880
lowers that are supposed to pick up
to those teeth. And you got an

1126
01:30:55.079 --> 01:30:59.840
estimate already, you got an actual
estimate looking at your mouth, and they

1127
01:31:00.079 --> 01:31:03.920
that it will be fifteen hundred dollars. No, it's already paid for by

1128
01:31:04.000 --> 01:31:12.640
medicare. Okay, So in other
words, they're willing to accept that for

1129
01:31:12.800 --> 01:31:20.000
full payment. Uh. Well,
the concern isn't the cost, right now,

1130
01:31:20.560 --> 01:31:24.760
Okay, tell us tell me what. I was just curious, because

1131
01:31:24.920 --> 01:31:27.840
here's why. Let me just cut
to the chase while I'm saying this,

1132
01:31:28.560 --> 01:31:31.880
Because a lot of people think they're
getting something for a certain price, and

1133
01:31:32.039 --> 01:31:36.079
they don't. Okay, But but
but but go ahead, then tell me

1134
01:31:36.159 --> 01:31:45.359
what your problem is. The problem
is I've been bothered about some procedure going

1135
01:31:45.600 --> 01:31:50.920
forward the last year or so.
Okay, has this been on Medicare again,

1136
01:31:51.000 --> 01:32:00.560
You've been going to see a dentist
with your Medicare plan. I don't

1137
01:32:00.600 --> 01:32:02.800
have a problem with the Manicare plan
right now. You're they came the final

1138
01:32:03.039 --> 01:32:11.520
problem at this point. Go ahead. It's I was in their last last

1139
01:32:11.720 --> 01:32:16.760
uh well, that's how long ago, and they pulled another tooth, and

1140
01:32:17.079 --> 01:32:28.199
having done that, they had to
alter the permanent denter for the lower and

1141
01:32:28.399 --> 01:32:31.840
when they did that, they had
to fill in a tooth that make a

1142
01:32:31.880 --> 01:32:35.880
tooth on the denture, and they
did that, they put it on the

1143
01:32:35.920 --> 01:32:42.479
wrong side of the denture and so
it doesn't even go into my mouth now,

1144
01:32:44.119 --> 01:32:49.119
and it's just I don't I don't
understand how they could possibly have made

1145
01:32:49.159 --> 01:32:56.720
that mistake. They took impression and
they replaced. So now let me ask

1146
01:32:56.760 --> 01:33:00.199
you something, Bruce. Are they
willing, Bruce? Are they willing to

1147
01:33:00.359 --> 01:33:05.319
fix it? I haven't talked to
them because I said that turn they have

1148
01:33:05.520 --> 01:33:11.680
been so the people in the office
are fine, but the way they handle

1149
01:33:11.800 --> 01:33:15.840
is it just drives me crazy.
It's just one like, give me an

1150
01:33:15.880 --> 01:33:18.960
idea here. Look, I understand
they made a mistake. And the reason,

1151
01:33:19.119 --> 01:33:21.479
by the way, there was a
reason, just so you know.

1152
01:33:23.479 --> 01:33:30.520
I was asking about the Medicare benefit
because and the reason was, if this

1153
01:33:30.000 --> 01:33:36.000
is truly not being done correctly,
they can withhold, they can withdraw.

1154
01:33:36.920 --> 01:33:42.680
They can also clawback payment and repay
someone else to do it. But I

1155
01:33:42.760 --> 01:33:45.960
won't get into that right now.
What I want to get into is this.

1156
01:33:45.640 --> 01:33:49.079
You've been going to this dentist for
a year. You don't like the

1157
01:33:49.159 --> 01:33:57.560
way they do business. Why are
you continuing? Because it's Medicare and I

1158
01:33:57.720 --> 01:34:01.359
don't know what's being done. Okay, so you see, we go back

1159
01:34:01.359 --> 01:34:05.439
to Medicare again. You said I
have no problem with Medicare, and really

1160
01:34:05.600 --> 01:34:11.079
this could be a Medicare thing?
Did is this the for some reason you

1161
01:34:11.239 --> 01:34:15.760
got the impression this is the only
place you can go to for your Medicare

1162
01:34:16.359 --> 01:34:19.279
because I thought it was going to
be cheap and fifteen hundred dollars would cover

1163
01:34:19.399 --> 01:34:25.920
it and we'd be done with happy
cheese. But no, okay, and

1164
01:34:26.039 --> 01:34:30.119
that's where okay again, this is
why I asked about the price. See

1165
01:34:30.359 --> 01:34:32.680
everything I asked for up to this
point was for a reason. The pricing

1166
01:34:33.000 --> 01:34:38.119
because I know you won't get it
done for fifteen hundred anywhere. And number

1167
01:34:38.199 --> 01:34:42.880
two, the the benefit because if
it's not being done right, they will

1168
01:34:42.920 --> 01:34:46.159
withhold or withdraw payment and go somewhere
else. But you're gonna have to pay

1169
01:34:46.199 --> 01:34:51.039
the difference sometimes. Now what I
want to know is have you looked for

1170
01:34:51.159 --> 01:34:59.800
another provider? H No, I
haven't. Okay, So you're calling because

1171
01:34:59.800 --> 01:35:03.439
you're pissed at this provider. So
were you hoping we would get on their

1172
01:35:03.600 --> 01:35:08.399
case or that you would find another
provider? What is your what is your

1173
01:35:08.479 --> 01:35:13.840
desire? I went I went to
your analysis of the situation because it's just

1174
01:35:14.039 --> 01:35:16.119
crazy how how many different problems you
have been along the way and get this,

1175
01:35:16.439 --> 01:35:20.359
Well it tells me then you shouldn't
go to them. My analysis is,

1176
01:35:20.560 --> 01:35:26.319
if you have nothing but trouble with
a dental place, why keep going

1177
01:35:26.399 --> 01:35:30.239
there? I got to take this
break hold on, Bruce. I'm not

1178
01:35:30.399 --> 01:35:33.359
trying to give you a hard time, bro, but you're you're calling and

1179
01:35:33.479 --> 01:35:38.760
you don't like this place yet I'm
asking you why you keep going and you

1180
01:35:38.880 --> 01:35:42.560
say because they're cheap? Okay,
Well, see I don't know what to

1181
01:35:42.640 --> 01:35:50.279
do with that. Hold on,
we'll come right back. Go with a

1182
01:35:50.359 --> 01:35:55.680
sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent

1183
01:35:55.880 --> 01:36:01.760
until you're content. Time for an
insurance checkup free, no obligation. In

1184
01:36:01.840 --> 01:36:08.119
comparison, call Compass Insurance paying too
much your coverage at dozens of insurance companies

1185
01:36:08.199 --> 01:36:11.640
find out now three all three seven
seven to one help. You'll think you're

1186
01:36:11.680 --> 01:36:15.560
his only customer when you choose Frank
durand the real estate Man dot com to

1187
01:36:15.680 --> 01:36:19.359
list your home with Remax Alliance three
all three nine two zero sixteen twenty two.

1188
01:36:30.000 --> 01:36:33.640
I don't know what you're testing.
One two here we are cod you

1189
01:36:33.720 --> 01:36:38.600
know here? Sorry? Three oh
three seven one three talk three oh three

1190
01:36:38.680 --> 01:36:43.640
seven one three eight two five five
back to the phone's okay now, Bruce,

1191
01:36:44.720 --> 01:36:47.600
I looked up. Okay, here's
the deal, Bruce, and I

1192
01:36:47.680 --> 01:36:51.079
know what you're trying to do.
You're trying to go cheap so you don't

1193
01:36:51.119 --> 01:36:54.800
have any out of pocket. I
get it, I really do get it.

1194
01:36:55.760 --> 01:37:02.560
And and unfortunately those dentures should cost
just for what you're having done about

1195
01:37:03.880 --> 01:37:10.319
about cheapest twenty eight hundred dollars so
you're trying to get them done for fifteen

1196
01:37:10.439 --> 01:37:15.319
hundred, and I understand you're frustrated. What do you want us to do?

1197
01:37:15.520 --> 01:37:19.399
Because I would like to help you, but I was I was wrong

1198
01:37:19.600 --> 01:37:25.520
in trying to recommend you find someone
else. No one, No one will

1199
01:37:25.560 --> 01:37:30.640
do it for fifteen hundred dollars,
so you might have to tough it out

1200
01:37:30.359 --> 01:37:35.359
at this place to get them done. Tom. I'm want to say,

1201
01:37:35.399 --> 01:37:40.520
first of all, I've ristened to
you, but I with the too much

1202
01:37:40.560 --> 01:37:45.279
evident time that listens in the eighties, So thank you, pretty familiar with

1203
01:37:45.319 --> 01:37:48.600
it, and I got a lot
of respect for you. It's not that

1204
01:37:48.680 --> 01:37:53.960
I'm calling you to get this cheaper. I was told this is how much

1205
01:37:54.000 --> 01:37:56.760
it is going to cost me,
and I made sure it was four uppers

1206
01:37:56.800 --> 01:38:00.279
and lowers, and I was shocked
it was a price. I was going

1207
01:38:00.359 --> 01:38:02.640
to argue with it. Wait wait, wait, you're telling me the fifteen

1208
01:38:02.800 --> 01:38:10.000
hundred was for both uppers and lowers. Yes, sure, well, Bruce,

1209
01:38:10.319 --> 01:38:13.399
I'm gonna tell you that's a that's
an absolute lie. Okay, I'm

1210
01:38:13.479 --> 01:38:16.560
sorry. No one can do dentures
upper and lower for fifteen hundred dollars,

1211
01:38:17.039 --> 01:38:24.000
not unless you're getting George Washington wooden
teeth and they're carving right there because I

1212
01:38:24.199 --> 01:38:30.000
haven't. But see, well,
here's what's crazy, Bruce. But here's

1213
01:38:30.039 --> 01:38:33.720
what's crazy. And I really do
appreciate your a longtime listener, but let's

1214
01:38:33.840 --> 01:38:39.119
just get some truth here right between
the eyes. For you to expect better

1215
01:38:40.119 --> 01:38:46.520
for fifteen hundred is almost as funny
as the ridiculousness they're putting you through to

1216
01:38:46.680 --> 01:38:50.159
even expect them. But here,
I know what Bruce is saying. Tom,

1217
01:38:50.239 --> 01:38:54.439
that's not my fault. If they
told me they couldn't have done it,

1218
01:38:54.680 --> 01:38:59.439
okay, but they told me they
could do it. So I want

1219
01:38:59.600 --> 01:39:03.199
Deputy Doc to call. Now they're
not going to give us information on you

1220
01:39:03.359 --> 01:39:08.520
because of HIPPA, but you can
sign a Hippo release if they if we

1221
01:39:08.640 --> 01:39:13.720
need you to. But the bottom
line here is this. You can tell

1222
01:39:13.800 --> 01:39:17.119
them they can talk to us,
but I want Doc to just talk to

1223
01:39:17.239 --> 01:39:25.560
them in general and say, we
heard that you're offering full upper and lower

1224
01:39:25.680 --> 01:39:31.079
dentures for fifteen hundred dollars. How
is that possible? Just to verify that,

1225
01:39:32.199 --> 01:39:39.279
because I do not know how anyone
that would be seven hundred and fifty

1226
01:39:39.399 --> 01:39:43.279
dollars for uppers and seven hundred and
fifty dollars. Am I doing the math?

1227
01:39:43.399 --> 01:39:45.760
Right? Am I right? You
don't know? Well whatever seven of

1228
01:39:45.800 --> 01:39:48.520
them? Well, what's that?
I don't know how much Medicare is reimbursing

1229
01:39:48.560 --> 01:39:54.720
them? He said he has Medicare
that's covering. No, that is all

1230
01:39:54.920 --> 01:40:00.000
of it, doc concluding Medicare.
That's all there is is no copay.

1231
01:40:00.560 --> 01:40:09.720
Wow, they're telling him for his
fifteen hundred dollars Medicare allowance they will provide

1232
01:40:09.800 --> 01:40:15.600
him uppers and lowers. And I
am saying that is patently impossible. I

1233
01:40:15.720 --> 01:40:18.239
agree, Tom. I thought I
thought, you know, just the extractions

1234
01:40:18.399 --> 01:40:26.239
alone will be that. Bruce,
I don't know how the hell you do

1235
01:40:26.359 --> 01:40:32.039
you have a contract that says this
that we can see. I have to

1236
01:40:32.079 --> 01:40:34.159
dig it up. But I don't
think I have a contract. I think

1237
01:40:34.199 --> 01:40:42.239
it was done mostly through Medicare,
and Medicare agreed to the situation. So

1238
01:40:43.079 --> 01:40:45.319
no, no, Bruce, nothing
is done. No, Bruce, Bruce,

1239
01:40:45.439 --> 01:40:50.039
it doesn't work that way. Here's
the way it works. Okay,

1240
01:40:51.000 --> 01:41:00.640
Bruce, did Medicare give you this
dental place? No? I can't remember

1241
01:41:00.720 --> 01:41:09.159
how I heard him. Oh,
oh, goad, I say, rufferbing

1242
01:41:09.239 --> 01:41:14.239
Jim. You know they're a nationwide
organization. Okay, listen, all I'm

1243
01:41:14.279 --> 01:41:17.319
saying is this, I'm gonna have
Deputy Doc call. I don't know where

1244
01:41:17.359 --> 01:41:21.920
you heard. And Medicare doesn't do
your contract. Okay, so if you

1245
01:41:23.560 --> 01:41:26.680
you have to have a proposal somewhere
that says they were going to do it

1246
01:41:26.760 --> 01:41:29.920
for fifteen hundred, otherwise they can
just tell us no, we don't do

1247
01:41:30.000 --> 01:41:31.720
it for fifteen hundred at all?
Do you take? I want to know

1248
01:41:31.880 --> 01:41:36.039
do they take? Do they take
Medicare's full and final payment the fifteen hundred

1249
01:41:36.079 --> 01:41:41.720
for both upper and lower Look at
Bruce, I think there's a there's something

1250
01:41:41.960 --> 01:41:45.720
we are not hearing. Doc.
Would you talk to him off the air

1251
01:41:45.920 --> 01:41:49.119
or talk to asmen and it's asspendental. I don't care. They're not doing

1252
01:41:49.159 --> 01:41:53.600
anything wrong. I don't think.
I mean, I mean, all I'm

1253
01:41:53.640 --> 01:41:58.479
saying is this, I don't see
how they can are they advertised? Did

1254
01:41:58.560 --> 01:42:03.039
you see it advertised somewhere? Bruce? Okay, good, Kelly's talking to

1255
01:42:03.119 --> 01:42:12.279
him. We got more coming up. Go with a sure thing Denver's best

1256
01:42:12.399 --> 01:42:15.399
roofer excel roofing dot com. You
don't pay a cent until you're content.

1257
01:42:18.800 --> 01:42:23.880
Time for an insurance check up free
no obligation. In comparison, call Compass

1258
01:42:23.960 --> 01:42:28.600
Insurance paying too much your coverage at
dozens of insurance companies find out now three

1259
01:42:28.680 --> 01:42:31.319
all three seven to seven to one
help. You'll think you're his only customer

1260
01:42:31.359 --> 01:42:34.960
when you choose Frank durand the real
estate man dot com to list your home

1261
01:42:35.199 --> 01:42:44.439
with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom

1262
01:42:44.479 --> 01:42:50.000
Martina here three three seven one three
talks. Stan has a question about air

1263
01:42:50.079 --> 01:42:55.119
duck cleaning, something I knowver a
lot about because of the good companies we've

1264
01:42:55.159 --> 01:42:57.119
had to do it over the years. Go ahead, what's going on?

1265
01:42:57.319 --> 01:43:03.319
Stan? Heym? Do you think
it's worth really having your ear ducts cleaned?

1266
01:43:05.039 --> 01:43:09.920
I think it absolutely is. When
you say worth it, now,

1267
01:43:10.079 --> 01:43:16.319
let me explain something it It does
help the efficiency of your system a little,

1268
01:43:17.479 --> 01:43:23.680
but it also improves the quality of
your air a lot. And what

1269
01:43:23.880 --> 01:43:29.960
I once, Once it's cleaned,
it has a tendency not to accumulate like

1270
01:43:30.119 --> 01:43:33.000
it does from a new house,
a new build or an old house that's

1271
01:43:33.039 --> 01:43:36.159
been around a while. So I
would say, if you've never had it

1272
01:43:36.279 --> 01:43:40.479
done, you should have it done. And then you probably don't have to

1273
01:43:40.560 --> 01:43:45.279
have it done, but every five
years or so. Okay, that sounds

1274
01:43:45.399 --> 01:43:49.000
sounds okay to me. I got
your website up here, looking at ear

1275
01:43:49.399 --> 01:43:56.279
hair, duck cleaning companies right and
right, many to choose from. That's

1276
01:43:56.359 --> 01:44:00.840
right? And you know zero Res
started doing that too. Zero Res which

1277
01:44:00.840 --> 01:44:04.279
are they do? Great? You
might want to try them or call the

1278
01:44:04.399 --> 01:44:08.720
rest. I mean they're all good
people. We've never had complaints about the

1279
01:44:08.800 --> 01:44:14.279
duck cleaning part. Now. Jpretz
is still with us from Excel Roofing excel

1280
01:44:14.399 --> 01:44:16.640
roofing dot com, where you can
do your own pricing right online and find

1281
01:44:16.680 --> 01:44:20.159
out what your roof will cost.
Go with a sure Thing Denver's Best Roofer

1282
01:44:20.359 --> 01:44:28.479
excel Roofing dot com. You don't
pay a cent until you're content. Time

1283
01:44:28.560 --> 01:44:31.359
for an insurance check up free,
no obligation. In comparison, call Compass

1284
01:44:31.439 --> 01:44:36.119
Insurance paying too much your coverage at
dozens of insurance companies find out now three

1285
01:44:36.159 --> 01:44:41.000
all three seven seven to one help. You'll think you're his only customer when

1286
01:44:41.039 --> 01:44:44.720
you choose Frank durand the real estate
Man dot com to list your home with

1287
01:44:44.880 --> 01:44:58.479
Remax Alliance three all three nine two
zero sixteen twenty two, ripped. So

1288
01:44:58.680 --> 01:45:05.159
you don't have come running. Just
as as as we can. Shooter's gonna

1289
01:45:05.239 --> 01:45:13.760
help come Man Dix is the Troubleshooter
Show. Now, Tom Martino, Hey,

1290
01:45:13.920 --> 01:45:17.920
Tom Martino here, welcome to the
show. Three oh three seven one

1291
01:45:18.039 --> 01:45:23.680
three talk three oh three three eight
two five five. Here to help you

1292
01:45:23.840 --> 01:45:28.479
solve problems, answer question, make
your life a little easier. That's what

1293
01:45:28.600 --> 01:45:30.479
I do every day. We've been
doing nearly fifty years, forty five in

1294
01:45:30.560 --> 01:45:35.520
Denver. Let's talk what's happening almost
forty five years in Denver? Right on

1295
01:45:35.640 --> 01:45:40.079
the cusp here. Hey, let's
talk to Michael. Uh, and then

1296
01:45:40.119 --> 01:45:44.680
we have Deputy Bow on board.
Deputy Bow I think worked on this so

1297
01:45:45.439 --> 01:45:49.560
uh, the original problem. I'm
trying to remember this, Michael. So

1298
01:45:49.640 --> 01:45:55.399
I'm gonna find it here and tell
me what's going on? Now, what's

1299
01:45:55.479 --> 01:45:57.920
happening? Or Bo, do you
want to chime in? Tell us what's

1300
01:45:58.000 --> 01:46:04.800
going on? Yes, the club
that Michael was going to, it's called

1301
01:46:04.960 --> 01:46:10.479
Prestige Fitness. He was going to. He lives in Arvada. He was

1302
01:46:10.560 --> 01:46:15.680
going to get the Arvada store and
they closed that particular club. So okay,

1303
01:46:16.159 --> 01:46:21.880
and so Michael wanted to get a
refund of the of the amount,

1304
01:46:23.720 --> 01:46:28.319
So what did they tell him?
Whatn't that to me? That sounds reasonable?

1305
01:46:28.439 --> 01:46:30.880
Right? How much had he paid
for this? He was owed one

1306
01:46:31.000 --> 01:46:36.359
hundred and seventy three dollars and some
odd cents. So it happened. So

1307
01:46:36.680 --> 01:46:43.960
they offered, I believe, at
first, to give him a partial membership

1308
01:46:44.000 --> 01:46:47.920
at a YMCA. But if I
remember, oh I remember, I remember

1309
01:46:48.039 --> 01:46:54.760
that. Yeah, And the bottom
line is that did not work out.

1310
01:46:55.239 --> 01:47:00.760
So this Prestige Fitness offered to give
Michael a to extend the membership there,

1311
01:47:01.079 --> 01:47:05.720
or the balance of the membership to
the to their Aurora store. But the

1312
01:47:05.800 --> 01:47:11.399
Aurora store is just way too far. So Michael just wanted to get a

1313
01:47:11.560 --> 01:47:19.079
refund of what he paid for the
membership. So I called the manager at

1314
01:47:19.159 --> 01:47:27.199
the South store and basically said they
they may be able to give him a

1315
01:47:27.319 --> 01:47:31.119
guest pass, but they would not
give him a refund. So well,

1316
01:47:31.680 --> 01:47:34.399
I don't know. They said,
of course, it's not in our preview

1317
01:47:34.520 --> 01:47:39.880
to do that. And then during
this time, Tom, the Prestige Fitness

1318
01:47:40.199 --> 01:47:45.960
changed their name. They've just rebranded
themselves to Zone Athletic Club. And you're

1319
01:47:46.039 --> 01:47:50.800
sure they weren't sold or anything.
I double checked it. I called their

1320
01:47:50.880 --> 01:47:56.600
billing system and they were not sold. It's still so where does it stand

1321
01:47:56.720 --> 01:48:00.399
now, Michael, how do you
feel about all of this? Well,

1322
01:48:01.039 --> 01:48:04.520
first, I just wanted to clarify
something. Originally, they never offered me

1323
01:48:04.600 --> 01:48:08.880
any membership or anything. What happened
was when they closed the Arvada store.

1324
01:48:09.760 --> 01:48:14.000
They are Vada Gym. They let
us train over at the YMCA for three

1325
01:48:14.079 --> 01:48:16.159
months with the understanding that they were
going to be opening up a new club.

1326
01:48:16.760 --> 01:48:23.239
And after our memberships at the y
you know, went away through Prestige.

1327
01:48:23.560 --> 01:48:25.920
At the end of February, they
didn't have a new club for us

1328
01:48:26.000 --> 01:48:29.279
to go to. So I just
wanted my money back, and then,

1329
01:48:29.960 --> 01:48:32.439
you know, I called numerous people. They told me originally at the gym

1330
01:48:32.520 --> 01:48:38.039
to call their billing company Peak,
which I did, and most ladies were

1331
01:48:38.079 --> 01:48:41.119
extremely helpful trying to give me my
money back, and they agreed that they

1332
01:48:41.159 --> 01:48:45.119
owed me one hundred and seventy six
thirty three. The lady there that I

1333
01:48:45.239 --> 01:48:46.920
was talking to was going on vacation
told me to call back in a week,

1334
01:48:47.000 --> 01:48:49.680
so I did, and she said
that in the meantime, Prestige had

1335
01:48:49.760 --> 01:48:54.600
contacted them and closed out all the
accounts and told them not to issue any

1336
01:48:54.640 --> 01:48:57.399
more refunds, that we'd have to
go through the club. So then I

1337
01:48:57.520 --> 01:49:00.840
called the clubs, talked to managers
and base. We got the run around

1338
01:49:00.880 --> 01:49:02.600
from all of them where they wouldn't
return my phone calls, told me to

1339
01:49:02.640 --> 01:49:06.319
send emails, which I did,
and they agreed that they had it in

1340
01:49:06.359 --> 01:49:10.680
their system originally for the refund too, and one of the guys said he

1341
01:49:10.760 --> 01:49:13.239
was going to get me a check. I called back a week later that

1342
01:49:13.319 --> 01:49:16.239
guy no longer worked at that club
and had me taught to him. God

1343
01:49:16.479 --> 01:49:21.199
wouldn't help me. It's just been
a mess, and Deputy Bo's gone through

1344
01:49:21.239 --> 01:49:27.119
the same thing. I have contacting
people, sending emails and they say they're

1345
01:49:27.119 --> 01:49:30.399
going to return your phone calls or
emails, and they never do. You

1346
01:49:30.520 --> 01:49:34.520
know what, I think? I
truly believe that you would win in small

1347
01:49:34.600 --> 01:49:44.000
claims court because unless unless the club
they have other prestige or now zones close

1348
01:49:44.079 --> 01:49:48.319
to you or that not too far
away, do they No? The one

1349
01:49:48.359 --> 01:49:50.800
I was talking to was in our
bad They have one way out in Aurora,

1350
01:49:50.920 --> 01:49:55.439
one down by Centennial, another one
in Colrad Springs and another one out

1351
01:49:55.520 --> 01:49:59.800
in Fort Collins. And I've been
told, and I don't know for sure

1352
01:50:00.760 --> 01:50:03.720
that you know they're in breach of
contract anyway, because their their own contract

1353
01:50:03.760 --> 01:50:09.720
says basically that if there's not a
club available within twenty five miles, that

1354
01:50:10.000 --> 01:50:13.479
you know they're That's what I'm asking. Are you telling me all of your

1355
01:50:13.600 --> 01:50:16.760
options are more than twenty five miles
away? Yes, yes, sir.

1356
01:50:17.000 --> 01:50:21.199
And and the other thing is too
k bo. Hold on, Deputy Bow,

1357
01:50:21.279 --> 01:50:25.239
did you bring that out to them, that his options are twenty five

1358
01:50:25.319 --> 01:50:30.359
miles away? Absolutely? Tom.
And then the manager at this house store

1359
01:50:30.479 --> 01:50:34.600
gave me the name of the operations
manager of the whole organization, and they

1360
01:50:34.680 --> 01:50:39.399
stuck to their guns. They said
that he should go twenty five miles away.

1361
01:50:40.159 --> 01:50:44.199
Yes, And I tried to contact
a person by the name of Brad

1362
01:50:44.439 --> 01:50:48.640
Baker. He's the operations manager that
the individual club managers. I even called

1363
01:50:48.720 --> 01:50:55.359
the club in Fort Collins if they
refused to give me the operations manager's phone

1364
01:50:55.439 --> 01:50:59.159
number, and I said, well, if he's the they suck. Okay,

1365
01:50:59.560 --> 01:51:02.319
that did this sucks. This is
not a good organization. Otherwise they

1366
01:51:02.359 --> 01:51:05.680
would have taken care of it.
Listen, man, I think you need.

1367
01:51:06.319 --> 01:51:10.039
I really mean this. You need
to go to small claims court and

1368
01:51:10.119 --> 01:51:14.319
sue their asses and then we'll we'll
follow you ever every step of the way

1369
01:51:14.399 --> 01:51:20.840
here. Stay in contact with Michael
and Jerry is the one. The reason

1370
01:51:20.840 --> 01:51:24.439
I couldn't find your call at first. Jerry is the one that called in

1371
01:51:24.600 --> 01:51:27.800
for you, right, yes,
yes, my wife had called in originally.

1372
01:51:28.880 --> 01:51:31.359
The other thing I wanted to say
to the side note was that on

1373
01:51:31.560 --> 01:51:35.600
social media and also on like the
if you were to do on Reddit,

1374
01:51:36.039 --> 01:51:42.439
on the you know reviews, the
prestige. This is a habit and a

1375
01:51:42.520 --> 01:51:45.760
pattern that they've been. There's several
people that have come out of and wouldwork

1376
01:51:45.800 --> 01:51:49.000
to talk to me, former employees, trainers. Oh, I don't doubt

1377
01:51:49.039 --> 01:51:53.520
it. I don't doubt it.
Listen, I don't doubt it at all.

1378
01:51:54.399 --> 01:52:00.600
And and I think what you need
to do is truly take in the

1379
01:52:00.640 --> 01:52:02.840
small claims court if you need help, you know Mark and weigh in on

1380
01:52:02.960 --> 01:52:08.439
that. Uh, you find the
registered agent and you go from there and

1381
01:52:09.640 --> 01:52:14.159
again Bo can probably help you as
well. Three oh three seven one three

1382
01:52:14.279 --> 01:52:17.079
talks seven one three eight two five
five people beware of this place. I

1383
01:52:17.159 --> 01:52:24.199
guess it's now called zone, but
that sucks. Earlier in the show.

1384
01:52:24.680 --> 01:52:27.359
And by the way, we have
lines open out for the first time today

1385
01:52:28.079 --> 01:52:31.479
three oh three seven to one three
talk seven one three eight, two five

1386
01:52:31.560 --> 01:52:34.479
five, or you can call three
oh three Martino three oh three six two

1387
01:52:34.640 --> 01:52:39.880
seven eight four six six. We're
going to talk about supplements. We talked

1388
01:52:39.920 --> 01:52:42.319
about that earlier in the show.
We'll come back talk about supplements. I

1389
01:52:42.359 --> 01:52:46.479
want to talk about what kind of
power you have or not. I would

1390
01:52:46.520 --> 01:52:49.479
think you have to have some control
and how contracts deal with that in the

1391
01:52:49.600 --> 01:52:54.760
roofing business, and we have Excel
Roofing to help us with that and to

1392
01:52:54.880 --> 01:52:59.640
talk about it. And it's just
one of the many things that can come

1393
01:52:59.720 --> 01:53:04.439
up when you have your UH roofing
done. By the way, water pros

1394
01:53:04.520 --> 01:53:10.680
whole house water conditioning systems I talked
about the at sinkwater fountains for just a

1395
01:53:10.800 --> 01:53:13.800
fourteen hundred bucks fully installed. You
can get a whole house system starting at

1396
01:53:13.800 --> 01:53:17.279
around thirty four hundred bucks. Get
rid of those forever chemicals. Waterpros dot

1397
01:53:17.439 --> 01:53:28.359
net go with a sure thing Denver's
best roofer Excel roofing dot com. You

1398
01:53:28.439 --> 01:53:34.439
don't pay a cent until you're content
than time for an insurance check up free

1399
01:53:34.560 --> 01:53:41.159
no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance

1400
01:53:41.199 --> 01:53:44.279
companies find out now three O three
seven to seven to one. Help.

1401
01:53:44.479 --> 01:53:47.239
You'll think you're his only customer when
you choose Frank durand the real estate man

1402
01:53:47.319 --> 01:53:53.319
dot com to list your home with
Remax Alliance three three nine two zero sixteen

1403
01:53:53.359 --> 01:54:03.239
twenty two. Hi Tom Martino,
you are a troubleshooter three oh three seven

1404
01:54:03.319 --> 01:54:09.119
one three talk seven one three eight
two five five Lourie, what's going on

1405
01:54:09.279 --> 01:54:15.279
with Infinity? Yeah, so we
ran a beef test on our internet.

1406
01:54:15.680 --> 01:54:19.439
Supposedly we're paying for download speeds of
one thousand megabets per second, and the

1407
01:54:19.520 --> 01:54:25.119
speed episode that our download speed at
fifteen and our upload is thirty three.

1408
01:54:26.279 --> 01:54:34.279
Wait a minute, you only have
fifteen fifteen megabytes download one five fifteen.

1409
01:54:35.239 --> 01:54:41.880
How do you even surf with that? Well? I don't know. I

1410
01:54:42.039 --> 01:54:45.720
just know we went on speed test
dot net. I just ran it like

1411
01:54:45.840 --> 01:54:49.960
ten seconds ago and showing download at
fifteen upload at thirty three. We're paying

1412
01:54:50.079 --> 01:54:56.239
for one thousand, at least a
thousand legs at least and I think They

1413
01:54:56.279 --> 01:54:59.680
actually bumped us to the twelve hundred
plan because our bill went up twenty five

1414
01:54:59.720 --> 01:55:01.159
bucks, and I've been trying to
call them to find out what's going on.

1415
01:55:01.399 --> 01:55:05.000
Hey, Mark, Mark, you've
dealt with these guys before. I

1416
01:55:05.159 --> 01:55:10.560
think on who do you have Exfinity? Right? Mark? Have you didn't

1417
01:55:10.560 --> 01:55:14.840
we deal with them on similar issues. You should check what your Exfinity speed

1418
01:55:14.960 --> 01:55:18.920
test is instead of speed test dot
Com. Don't although say you're you get

1419
01:55:19.079 --> 01:55:24.680
up to said amount of speed,
so it doesn't guarantee you that speed guarantees

1420
01:55:24.720 --> 01:55:27.520
you up. You should be able
to get it. You should be able

1421
01:55:27.560 --> 01:55:32.239
to get it sometime. I don't
think we've ever gotten anything close to that.

1422
01:55:32.880 --> 01:55:38.279
I mean we ran the Exfinity test. My husband didn't believe it because

1423
01:55:38.279 --> 01:55:45.079
it was under twenty Have you plugged
directly into their modem? Yeah? But

1424
01:55:45.159 --> 01:55:46.159
what good is that? Mark?
I mean, if you have to do

1425
01:55:46.319 --> 01:55:49.680
that to get a well, that's
the only way to tell. I don't

1426
01:55:49.720 --> 01:55:54.439
know what kind of Routerine she might
have had a router built in the thirties.

1427
01:55:54.560 --> 01:55:58.680
Yes, oh yeah, it could
now I never thought of that.

1428
01:55:58.840 --> 01:56:02.319
Good point, Mark, So LORII
it could be thwarted by things outside of

1429
01:56:02.439 --> 01:56:09.159
that, Well, we didn't test
it. It so the modem blocks to

1430
01:56:09.319 --> 01:56:13.640
them. We were equipment from them
and we just installed a brand new high

1431
01:56:13.720 --> 01:56:19.399
speed Wi Fi. Yeah, but
what were you testing? Hold on,

1432
01:56:19.960 --> 01:56:28.239
Laurie. Were you testing your WiFi? Your wireless internet? Yeah? And

1433
01:56:28.880 --> 01:56:34.399
okay, so help me here did
it go from? Did it go from

1434
01:56:35.119 --> 01:56:42.000
the modem from Comcast or Infinity?
And then do you plug into that with

1435
01:56:42.119 --> 01:56:48.479
your WiFi? No, here's what
I'm asking You said you bought a new

1436
01:56:48.560 --> 01:56:55.439
Wi Fi something. Do you have
your own Wi Fi distributor? Yeah?

1437
01:56:58.000 --> 01:57:04.399
Okay, that Wi Fi distributor that
you have, Uh huh? What brand

1438
01:57:04.560 --> 01:57:13.840
is it it is? And does
it plug into your modem? Or is

1439
01:57:13.920 --> 01:57:21.680
it also wireless like a like a
relay? It's called Ubiquity. But does

1440
01:57:21.720 --> 01:57:27.720
it plug into your Infinity modem?
Or does it? Does it make a

1441
01:57:27.880 --> 01:57:32.119
leapfrog? Okay, it plugs in? No, it plugs in. Why

1442
01:57:32.279 --> 01:57:35.239
did you do it that way?
Why did you plug in? Did you

1443
01:57:35.399 --> 01:57:42.760
do your speed test directly at that
modem? No? I did it on

1444
01:57:42.880 --> 01:57:47.199
my laptop. Okay, No,
here's what I mean. If you plug

1445
01:57:47.279 --> 01:57:53.920
your laptop directly into one of the
net ports at the modem, did you

1446
01:57:54.000 --> 01:57:58.359
do a speed test. No,
I couldn't plug it in because I have

1447
01:57:58.359 --> 01:58:01.279
an Apple. Yeah, well,
there's an adapter, and I don't want

1448
01:58:01.279 --> 01:58:06.039
to hear any jokes from Mark.
There's an adapter Bill Gates making it No.

1449
01:58:06.119 --> 01:58:10.119
No, what kind of no?
Seriously, what kind of Mac?

1450
01:58:10.159 --> 01:58:15.479
Do you have a MacBook Pro?
Okay? I have a MacBook Pro.

1451
01:58:15.640 --> 01:58:19.680
So do you have the USB C
only on there the USBC sports Yeah,

1452
01:58:19.760 --> 01:58:28.279
okay, there's an adapter that goes
from USCP from USB C to a regular

1453
01:58:28.800 --> 01:58:31.359
CAT five. Okay, then you
can do your Cat five into your modem.

1454
01:58:32.359 --> 01:58:36.000
The reason I'm telling you this,
here's the reason I'm telling you this.

1455
01:58:36.159 --> 01:58:42.079
You can call us back there.
That's the only speed test that will

1456
01:58:42.159 --> 01:58:47.439
count. If you're testing your wireless. As Mark brought up before, it

1457
01:58:47.640 --> 01:58:54.600
is dependent on many other factors.
That is not what and Exfinity can't be

1458
01:58:54.680 --> 01:59:00.159
responsible for him, like incompatibility between
your Wi Fi and the modem, or

1459
01:59:00.439 --> 01:59:05.800
interference in your Wi Fi or any
number of things, even your Wi Fi

1460
01:59:06.039 --> 01:59:13.760
router in your laptop and how it
interacts with that other wireless. Because I

1461
01:59:13.960 --> 01:59:16.960
had to do I had to figure
that out the hard way during COVID when

1462
01:59:17.000 --> 01:59:21.000
we were depending on all of the
own on home stuff. I had a

1463
01:59:21.079 --> 01:59:27.159
lot of stuff that was not perfectly
compatible, and I started experimenting, and

1464
01:59:27.279 --> 01:59:31.960
I found the optimum equipment to use
in order to get the best speeds.

1465
01:59:32.600 --> 01:59:39.760
And then if you're going to do
your own WiFi router and it plugs into

1466
01:59:39.880 --> 01:59:45.399
Exfinity, what you really need to
do and it gets too complicated to explain

1467
01:59:45.479 --> 01:59:49.760
on the show, but it's called
a pass through mode on that Exfinity one

1468
01:59:49.920 --> 01:59:57.000
because what that does is that does
not send out signal to both its own

1469
01:59:57.079 --> 02:00:01.319
WiFi and your WiFi. Really,
it gets very technical, I'm telling you.

1470
02:00:01.479 --> 02:00:04.640
I mean people set up their own
networks and I think half of the

1471
02:00:04.760 --> 02:00:12.319
time they are the reason they're not
getting top speed. But I just just

1472
02:00:12.439 --> 02:00:15.279
do that speed. Get the adapter, it's not that much. Get at

1473
02:00:15.359 --> 02:00:19.760
best buyer anywhere and plug a CAT
five into right in to where your WiFi

1474
02:00:19.920 --> 02:00:24.279
is, plug it into your computer, and do your test right there and

1475
02:00:24.479 --> 02:00:27.479
let us know. I'll mark this
down. I'll remember the call. I

1476
02:00:27.680 --> 02:00:35.000
really want to know what you're getting, So mark the Ubiquity is in the

1477
02:00:35.079 --> 02:00:40.600
bridge mode. Now not pastors in
bridge, Well, no, that's in

1478
02:00:40.680 --> 02:00:45.000
the bridge mode. But I'm talking
about I'm not talking about Infinity is in

1479
02:00:45.119 --> 02:00:51.760
the bridge mode? Is that what
you mean? See, it's we had

1480
02:00:51.800 --> 02:00:57.479
a friend configure this. The cable
modem is in bridge mode, so it

1481
02:00:57.640 --> 02:01:00.279
goes good. It's good. That's
okay. That's the way it should be,

1482
02:01:00.399 --> 02:01:04.760
man, that's the way it should
be. Yeah. So your Exfinity

1483
02:01:05.399 --> 02:01:13.319
is going your Exfinity's Wi Fi is
turned off right correct, and it's only

1484
02:01:13.520 --> 02:01:19.319
serving its Ubiquity got it switch.
Let me ask you something. Why did

1485
02:01:19.439 --> 02:01:26.640
you go from your WiFi excuse me, from your Comcast modem directly into that?

1486
02:01:26.840 --> 02:01:30.680
Why did you not use the Wi
Fi that was built into that modem?

1487
02:01:31.560 --> 02:01:35.399
Because it doesn't The coverage in the
house was so bad. We needed

1488
02:01:35.439 --> 02:01:39.840
something to boost the Wi Fi signals. I got you. So you guys,

1489
02:01:40.159 --> 02:01:43.199
you guys do know what you're talking
about. It sounds like it.

1490
02:01:43.520 --> 02:01:48.600
So then do me a favor and
do that test. And we had a

1491
02:01:48.640 --> 02:01:53.000
consultant, helper Tom and LORI has
a business here, so we have some

1492
02:01:53.479 --> 02:02:00.680
power over Ethernet security cameras that that
that Ubiquity wireless switch runs all No,

1493
02:02:00.840 --> 02:02:03.079
I get it. I get it. See, I have the I use

1494
02:02:03.159 --> 02:02:08.960
the Google Ness product for my house, and it's fast as hell. I

1495
02:02:09.079 --> 02:02:13.319
mean, I want the but just
do the test at the modem right at

1496
02:02:13.359 --> 02:02:16.960
the right at the Exanity modem plugged
into your laptop, and just for the

1497
02:02:17.079 --> 02:02:20.399
hell of it, see what you
get. I mean, calls back tomorrow.

1498
02:02:20.520 --> 02:02:24.840
I would like to analyze it,
and we do have some experts we

1499
02:02:24.920 --> 02:02:28.239
can call as well. Three all
three seven one, three eight two five

1500
02:02:28.399 --> 02:02:31.720
five Ideal Home Loans still doing home
loans and here's the deal. They have

1501
02:02:32.880 --> 02:02:36.479
the only interest rate guarantees, so
when rates go down, they refinance you

1502
02:02:36.760 --> 02:02:43.279
free of charge. That's right.
Three three eight six seven seven thousand.

1503
02:02:48.319 --> 02:02:53.600
Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't

1504
02:02:53.600 --> 02:03:00.560
pay a cent until you're content.
Time for an insurance check free, no

1505
02:03:00.680 --> 02:03:04.560
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

1506
02:03:04.600 --> 02:03:09.239
of insurance companies find out now three
all three seven seven to one help.

1507
02:03:09.439 --> 02:03:13.199
You'll think you're his only customer when
you choose Frank durand the real estate Man

1508
02:03:13.319 --> 02:03:16.760
dot com to list your home with
Remax Alliance three all three nine two zero

1509
02:03:16.880 --> 02:03:29.000
sixteen twenty two. Hi, Tom
Martine here three all three seven one three

1510
02:03:29.079 --> 02:03:31.960
talks seven one three eight two five
five Uh supplements okay? Jay. So

1511
02:03:32.039 --> 02:03:34.960
we had a woman call and said, hey, our bid was eighteen thousand

1512
02:03:34.960 --> 02:03:38.920
dollars for the roof jays with Excel
roofing dot com. By the way,

1513
02:03:39.039 --> 02:03:44.840
Excel Excel roofing dot com. So
he's she said, uh, but they're

1514
02:03:44.960 --> 02:03:49.079
charging my insurance now forty three mm
hm. That's incredible. She said it

1515
02:03:49.159 --> 02:03:53.720
was supplements and they're doing work she
didn't want done. And I don't even

1516
02:03:53.800 --> 02:03:57.039
know what that means. But let's
talk about supplements. How do they work?

1517
02:03:57.159 --> 02:04:00.760
Once I sign a contract, does
that mean roofers go in and get

1518
02:04:00.800 --> 02:04:04.399
anything they want? Sometimes that's what
they try to do. So for everybody

1519
02:04:04.479 --> 02:04:11.159
listening, supplements means that we are
going to supplement the insurance claim and ask

1520
02:04:11.239 --> 02:04:15.399
the insurance company for more money than
they've originally allauded for the claim. But

1521
02:04:15.640 --> 02:04:19.479
usually a supplemental claim is for not
just because you want to raise the price.

1522
02:04:19.560 --> 02:04:25.000
It's for additional stuff. You find
additional stuff. And the best example

1523
02:04:25.119 --> 02:04:28.520
I know of is we tear the
roof off. All of the wood underneath

1524
02:04:28.600 --> 02:04:32.279
is bad. The decking needs to
be replaced. And so we supplement for

1525
02:04:32.399 --> 02:04:36.920
this additional cost something that we didn't
know beforehand. Did they ever send adjusters

1526
02:04:36.960 --> 02:04:41.600
out to check supplements? They do. They do most of the time.

1527
02:04:41.680 --> 02:04:45.800
If the contractor documents everything with photographs
before and after pitchers, they're going to

1528
02:04:45.880 --> 02:04:50.520
approve it and not send the adjuster
out because the adjuster just doesn't have time

1529
02:04:50.840 --> 02:04:55.720
to visit every job site. So, but a lot of contractors think,

1530
02:04:55.760 --> 02:04:58.720
and especially you say, I want
to get into that part. You said,

1531
02:04:58.720 --> 02:05:00.760
it's a game. Sometimes it's total
game, but it's this is very

1532
02:05:00.840 --> 02:05:05.279
prevalent with restoration contractors. Also,
what they do is it's the sky is

1533
02:05:05.359 --> 02:05:11.199
the limit this lady. The example, eighteen thousand dollars was the initial quote

1534
02:05:11.439 --> 02:05:14.720
and they bumped it up to forty
three thousand dollars. And it just gets

1535
02:05:14.840 --> 02:05:17.359
unreasonable, is what it does.
And we were talking about medical stuff earlier,

1536
02:05:17.439 --> 02:05:23.159
Tom and what was it the three
thousand dollars for the anesthesia shot?

1537
02:05:23.399 --> 02:05:26.920
Oh yeah, I know. And
it's that same concept that, Okay,

1538
02:05:27.000 --> 02:05:30.239
we need additional money because additional items
need to be done, and they just

1539
02:05:30.399 --> 02:05:35.359
try to gouge the insurance companies.
I say, they we we will supplement.

1540
02:05:35.880 --> 02:05:42.359
Many times ourselfs Excel roofing, but
it's for legitimate, legitimately needed items.

1541
02:05:42.520 --> 02:05:45.359
Listen to what we found this company
doing. They had to paint one

1542
02:05:45.439 --> 02:05:53.399
side of the house, and they
were charging what Genesis said should have cost

1543
02:05:53.479 --> 02:05:57.760
about twelve hundred bucks. They were
charging fifty one hundred. Yeah, that

1544
02:05:57.840 --> 02:06:00.600
doesn't surprise me at all. Do
they do it because because they don't think

1545
02:06:00.600 --> 02:06:04.079
the insurance will come out and check, I mean really, because then it

1546
02:06:04.199 --> 02:06:08.239
becomes immoral? Do they just see
what they can get away with? Absolutely

1547
02:06:08.319 --> 02:06:13.800
they do. And you know,
there's an insurance program it's called exact Demate,

1548
02:06:14.159 --> 02:06:16.199
and you should be able to plug
in the square footage of that wall

1549
02:06:16.560 --> 02:06:20.720
and get the legitimate price. But
who knows what the contractor was trying to

1550
02:06:20.760 --> 02:06:25.800
say. Maybe they were saying it's
a special paint or something that had to

1551
02:06:25.880 --> 02:06:28.880
be done. And you know what
they do is they say, Okay,

1552
02:06:28.960 --> 02:06:30.800
this is an additional trade that needs
to come on to the job site.

1553
02:06:31.079 --> 02:06:34.920
So in addition to this work,
we're entitled to the overhead and profit as

1554
02:06:35.000 --> 02:06:39.600
well. So we're going to tack
on another twenty percent to the price.

1555
02:06:39.680 --> 02:06:43.039
And I bet you that's exactly what
happened on that painting deal. Well,

1556
02:06:43.079 --> 02:06:45.800
as long as they're doing the work, I don't have any issue with it.

1557
02:06:45.920 --> 02:06:49.520
I mean, do you jay fifty
six hundred bucks to no? No,

1558
02:06:49.640 --> 02:06:53.800
I mean you're right. Mark is
saying, would Why would he care

1559
02:06:53.840 --> 02:06:56.600
what his insurance is paying? Right
Mark? If they're doing the job.

1560
02:06:56.760 --> 02:07:00.319
No. What I'm saying is if
they build for the entire hand house to

1561
02:07:00.399 --> 02:07:03.159
be painted, they should paint the
entire house. But I don't care what

1562
02:07:03.359 --> 02:07:06.439
they bill for it. I mean, it is what it is. If

1563
02:07:06.520 --> 02:07:11.239
the insurance company is willing to pay, I mean, who cares if they

1564
02:07:11.359 --> 02:07:14.239
say it's fifty six hundred. I
see it. For that market, it

1565
02:07:14.359 --> 02:07:16.279
was one side of the house.
But what Mark is saying, I understand

1566
02:07:16.319 --> 02:07:19.319
he's saying, if the insurance company
pays, and they you know, if

1567
02:07:19.399 --> 02:07:25.000
everyone agrees, what do I care. I'm only paying my deductibles. That's

1568
02:07:25.119 --> 02:07:29.600
true. As long as this pricing
is in agreement with the exact demate pricing,

1569
02:07:29.880 --> 02:07:32.840
which is the agreed upon pricing with
the insurance companies and contractors, and

1570
02:07:33.359 --> 02:07:38.079
where they got this fifty That fifty
six hundred dollars just sounds so expressive.

1571
02:07:38.520 --> 02:07:41.600
Fifty two that's just way too much. Money for that, I know.

1572
02:07:41.800 --> 02:07:45.279
So so when you bring guys,
I'm just I'm just I'm literally just using

1573
02:07:45.399 --> 02:07:49.159
this as an example. But it's
true. The room I'm sitting in right

1574
02:07:49.239 --> 02:07:54.640
now is going to get repainted by
Genesis because we had some flood damage.

1575
02:07:54.960 --> 02:07:57.279
But you're going to say, what
does that have to do with the wall.

1576
02:07:57.359 --> 02:08:01.439
It doesn't matter. I get the
paint. This paint has drywall than

1577
02:08:01.560 --> 02:08:05.359
wax paper, then multi colored paint
in the entire room. Painting this room

1578
02:08:05.479 --> 02:08:09.239
compared to most rooms, costs ten
times. I have no idea what that

1579
02:08:09.399 --> 02:08:13.239
one wall costs that you guys are
using in his example. But if the

1580
02:08:13.359 --> 02:08:18.199
insurance company agreed to it, who
cares. I know, I know what

1581
02:08:18.279 --> 02:08:24.119
you're saying, but I just think
that in this case, going from eighteen

1582
02:08:24.239 --> 02:08:28.600
to forty, something seemed ridiculous about
the painting thing. Mark. I bet

1583
02:08:28.680 --> 02:08:33.680
that this company build to paint the
entire house and they're just going to do

1584
02:08:33.760 --> 02:08:37.399
one wall. Well, that's okay, now, Jay, Jay, that's

1585
02:08:37.439 --> 02:08:43.800
an entirely different story. If they're
giving the allowance to paint the entire house

1586
02:08:43.840 --> 02:08:46.680
because they turned it in, their
ass needs to paint the entire house,

1587
02:08:46.920 --> 02:08:50.119
and that's just a phone call to
your own insurance company, and I don't

1588
02:08:50.239 --> 02:08:54.640
see what the hell they're paying for. I don't know if that's the case,

1589
02:08:54.720 --> 02:08:56.920
but Tom, that's what they were
doing on this claim. Remember when

1590
02:08:56.039 --> 02:09:00.239
Mark Schmanski went out there, that's
right, and he said that they had

1591
02:09:00.399 --> 02:09:05.279
build to put in three additional electric
vents on top of the right and what

1592
02:09:05.439 --> 02:09:09.199
they did is they they they reused
two of them and they didn't even put

1593
02:09:09.239 --> 02:09:11.680
the third in. So these guys
are scamming. They are. Yeah,

1594
02:09:13.520 --> 02:09:16.600
and that's right, And I would
care even if I only paid my deductible,

1595
02:09:16.600 --> 02:09:20.199
I'd still care if they were doing
that, I would I would be

1596
02:09:20.279 --> 02:09:26.840
pissed. And entire house, well
yeah, and you're not getting the new

1597
02:09:26.960 --> 02:09:28.920
vents. And I want the new
vents as long as you're getting for whatever

1598
02:09:30.000 --> 02:09:33.479
they're billing for. And even if
the insurance company only paid initially for one

1599
02:09:33.560 --> 02:09:39.680
wall, somehow they got the entire
house painted fine or paid for they did

1600
02:09:39.720 --> 02:09:41.119
it, they should get the whole
house painting, right, And that's what

1601
02:09:41.199 --> 02:09:45.800
Mark was saying as well. I
think that if you get what you pay

1602
02:09:45.920 --> 02:09:48.520
for, he doesn't have a problem. I don't think i'd have a problem

1603
02:09:48.560 --> 02:09:50.600
either. But like you, said, well, well, one of the

1604
02:09:50.640 --> 02:09:54.560
three events, I want to stick
on one thing. Jay said that a

1605
02:09:54.600 --> 02:10:01.479
lot of people don't realize if you
have multiple people or multiple different companies needed.

1606
02:10:01.600 --> 02:10:05.279
For example, let's say you need
different turids. Yeah, three different

1607
02:10:05.319 --> 02:10:09.159
trades, whatever they are. You
got windows involved, a roof involved in

1608
02:10:09.359 --> 02:10:16.880
landscaping for that matter, Most insurance
coughs up another ten percent for basically being

1609
02:10:16.960 --> 02:10:22.760
the general contractor to whoever you sign
the contract with no offense to Jay.

1610
02:10:22.880 --> 02:10:26.920
But if I have multiple trades and
they have nothing to do with what he

1611
02:10:26.119 --> 02:10:31.159
does, Jay does roofing better than
anybody. That's what That's what Excel Roofing

1612
02:10:31.239 --> 02:10:35.279
does. I don't want Jay in
charge of my windows. So therefore I

1613
02:10:35.359 --> 02:10:39.880
don't know why I would give any
roofer. If there is different things they

1614
02:10:39.039 --> 02:10:45.399
find that additional ten percent. You
could be handing them fifteen twenty twenty five

1615
02:10:45.560 --> 02:10:48.279
thousand dollars and they're not going to
do anything. All they're going to do

1616
02:10:48.439 --> 02:10:52.000
is hire their friend that's a painter, And I don't think that's cool.

1617
02:10:52.680 --> 02:10:58.119
Well, you're right about that,
Mark, except and we do coordinate all

1618
02:10:58.199 --> 02:11:01.319
the time with painters. Say the
deck needs to be refinished, the house

1619
02:11:01.399 --> 02:11:05.119
needs to be painted, maybe some
windows and then also the roof. We

1620
02:11:05.199 --> 02:11:09.760
will take those kind of jobs on
sometime. And truly you're acting as the

1621
02:11:09.800 --> 02:11:13.439
general contractor, so you should be
paid some overhead and profit for that.

1622
02:11:15.199 --> 02:11:18.239
Yeah, but my point was,
I'm talking to a roofer at that point,

1623
02:11:18.520 --> 02:11:22.079
I understand you have other trades.
Well, what would you do,

1624
02:11:22.239 --> 02:11:26.760
Mark, you admired? Are you
saying you should hire directly those contractors?

1625
02:11:26.039 --> 02:11:31.039
I personally would go through a public
adjuster, just like I did. I

1626
02:11:31.199 --> 02:11:37.119
went through I ended up with my
own ten percent, and then I hired

1627
02:11:37.279 --> 02:11:41.880
Jay to come out and put on
my hellproof roof. I hired Schamansky to

1628
02:11:41.920 --> 02:11:45.600
come out and paint my house.
I hied a landscaper to come out and

1629
02:11:45.640 --> 02:11:48.199
replace. But not a lot of
homeowners, Mark, not a lot of

1630
02:11:48.279 --> 02:11:50.520
homeowners do that. I mean,
truly they But Tom, the reason they

1631
02:11:50.600 --> 02:11:54.880
don't. The reason they don't is
they don't know, right, well,

1632
02:11:54.920 --> 02:11:58.199
they don't know how to coordinate it. Like that's right, Okay, that's

1633
02:11:58.279 --> 02:12:03.039
fair, but I'm but but my
real point was they don't even know about

1634
02:12:03.079 --> 02:12:07.960
the overhead and profit. They don't
even know it exists. Well, he's

1635
02:12:09.039 --> 02:12:13.439
right about that, but Mark,
Mark are you saying without a public adjuster,

1636
02:12:13.199 --> 02:12:18.079
if I was to bring three people
onto my house to to do three

1637
02:12:18.159 --> 02:12:22.760
different things, would I be entitled
to ten percent overhead and profit. Yes,

1638
02:12:22.920 --> 02:12:26.600
you would have to talk to your
insurance company and prove to them,

1639
02:12:26.680 --> 02:12:31.439
but yes you would get it if
you were acting as your own general Okay,

1640
02:12:31.600 --> 02:12:35.960
we got more coming up. Go
with a sure thing Denver's Best roofer

1641
02:12:35.119 --> 02:12:43.239
Excel Roofing dot com. You don't
pay a cent until you're content. Time

1642
02:12:43.319 --> 02:12:48.119
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no obligation comparison call Compass Insurance. Pay

1643
02:12:48.199 --> 02:12:52.279
too much your coverage at dozens of
insurance companies find out now three oh three

1644
02:12:52.439 --> 02:12:56.199
seven seven to one help. You'll
think you're his only customer when you choose

1645
02:12:56.199 --> 02:13:00.640
Frank durand the real estate Man dot
com to list your home with Remax Alliance

1646
02:13:00.880 --> 02:13:09.920
three all three nine two zero sixteen
twenty two. Hi Tom Martinez here three

1647
02:13:09.039 --> 02:13:13.000
or three seven to three Talk Jim. What's going on with you? Jim?

1648
02:13:15.560 --> 02:13:20.359
Hey, what's happening. It's really
simple, it's not a big deal.

1649
02:13:20.439 --> 02:13:26.439
But I was sitting in a turn
lane. A guy ran a red

1650
02:13:26.560 --> 02:13:31.159
light, bounced off of FedEx Semi
hit my truck. They've agreed the liability.

1651
02:13:33.079 --> 02:13:35.760
The insurance companies agreed the liability.
They're going to give me a renal

1652
02:13:35.920 --> 02:13:41.000
car. Should I do supplemental insurance
on the car? And if I do

1653
02:13:41.199 --> 02:13:46.680
that, do they have to pay
for it? What do you mean supplemental

1654
02:13:46.720 --> 02:13:50.119
insurance? I don't know what he
buy the he's saying buy the other he's

1655
02:13:50.119 --> 02:13:54.159
saying, buy all the mop and
glow. Oh the rental car insurance.

1656
02:13:54.319 --> 02:14:01.359
Absolutely not. No, you don't
need it. Okay. So if somebody

1657
02:14:01.079 --> 02:14:07.640
hits me in that rental car and
it goes in for the same thing that

1658
02:14:07.800 --> 02:14:11.079
happened to me, I can just
turn it in broke. Your insurance will

1659
02:14:11.239 --> 02:14:20.000
cover you for whatever you have on
your own policy. Did you get injured

1660
02:14:20.039 --> 02:14:26.399
out of curiosity you mentioned a semi
truck. No, it's no ever,

1661
02:14:26.479 --> 02:14:30.399
Okay, it's fine. It was
the guy ran a red light and it

1662
02:14:30.560 --> 02:14:35.119
was like a ping bong ball.
But no, yeah, don't don't buy

1663
02:14:35.199 --> 02:14:39.520
the mop and glow. And to
answer the second question, straight up,

1664
02:14:39.880 --> 02:14:43.600
they will never pay for it,
period, end of story. Never pay

1665
02:14:43.720 --> 02:14:48.960
for what part you mean, the
extra stuff? The insurance the other driver's

1666
02:14:48.039 --> 02:14:54.319
insurance company will never pay for the
extra insurance coverage ever. Right, Hey,

1667
02:14:54.680 --> 02:14:56.640
guys, who's renting the car?
Is it? Is he renting it?

1668
02:14:56.840 --> 02:15:03.039
Or is the other person's insurance company
it That's not what I'm sure of.

1669
02:15:03.520 --> 02:15:11.439
I don't the other person's insurance is
renting it? Doc, he's going

1670
02:15:11.520 --> 02:15:13.439
to rent it. But Doc,
what does that matter? What's the diff

1671
02:15:13.920 --> 02:15:18.359
insurance? If they're the renter,
he doesn't have to worry about any damage.

1672
02:15:18.479 --> 02:15:20.000
Well, they'd never be the renter. They just pay the bill,

1673
02:15:20.119 --> 02:15:24.640
they're not renting it. That's what
I was asking Mark, Well, it

1674
02:15:24.720 --> 02:15:28.159
doesn't matter who's paying the bill.
What we're saying is they're not going to

1675
02:15:28.199 --> 02:15:33.000
pay for extra stuff. They're gonna
pay for the car. That's it.

1676
02:15:35.039 --> 02:15:41.800
What I'm asking is is if somebody
hits me in that car, then the

1677
02:15:41.920 --> 02:15:48.600
car's out of service for an extra
week or two. You're calling. What

1678
02:15:48.760 --> 02:15:54.079
you're wondering about is what's called loss
of use? Right? Yes, okay,

1679
02:15:54.199 --> 02:15:56.199
Now let me explain this. It's
really you got to pay attention to

1680
02:15:56.279 --> 02:16:05.279
this to help yourself. If you'll
policy extends to a rental car, it

1681
02:16:05.640 --> 02:16:11.640
often includes loss of use, but
not all of them do. So,

1682
02:16:13.359 --> 02:16:18.239
if your policy will pay for the
car and the damage to the car,

1683
02:16:20.359 --> 02:16:24.399
but it will not pay for loss
of use. I'm going to tell you

1684
02:16:24.000 --> 02:16:30.840
that a rental company will come after
you for loss of use, and if

1685
02:16:30.920 --> 02:16:35.920
they do, there wouldn't be anything
wrong with having that supplemental coverage for that

1686
02:16:37.200 --> 02:16:41.479
part of it. Okay, it's
a lost damage waiver for that one part

1687
02:16:41.559 --> 02:16:46.719
of it for property damage. You
don't need it for liability. But if

1688
02:16:46.879 --> 02:16:52.360
that happens, they're not going to
reimburse you for that. That's it.

1689
02:16:52.760 --> 02:16:58.000
I'm Tom martinro don't forget Excelroofing dot
com ex cl to get your instantaneous quote,

1690
02:16:58.040 --> 02:17:01.959
well, it'll take like a minute, and then of course you can

1691
02:17:01.000 --> 02:17:05.440
also call them at three oh three
seven sixty one sixty four hundred. Don't

1692
02:17:05.479 --> 02:17:07.719
forget three o three Martino and referral
list dot com.