WEBVTT

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Yeah, ripped up news need advice, so you don't have come running.

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Just as stas as we can.
Shooter's gonna help coming. Man, this

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is the Troubleshooter Show. Now tell
Martine, oh Man, Mark are you

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there? We're here, okay,
folks, I'm here. Man all right.

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Mark was on there just in case. Uh I was sold at the

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last minute. We're having technical difficulties
and uh so, people, you gotta

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bear with us. Have some major
work going on with comcasts. Our broadband

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is down. We're not going to
be able to do YouTube. Mark.

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This is terrible. I don't know
what else we can do about it unless

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I can get it on my computer
here and send it out. But uh

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so, we have a lot of
technical difficulties. I think the phones are

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working as usual, I'm being told, soh that's good. So what you

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can do is give us a call
at three oh three seven one three talk

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three O three seven one three eight
two five five, and we'll take your

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phone calls as usual and answer questions
and take complaints and make your life a

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little easier. We also have texting. You can text. I'm going to

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see if I can bring up my
Google Voice number. You can text that

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you can also text. So at
seven four seven nine nine nine fifty two

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eighty you can also text our regular
iHeart line for texting and that is uh

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five seven seven three nine. And
well, what's going on with you?

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Mark? Where are you now out
and about in this country? We're in

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a Kennewick, Washington's beautiful country here. You warmer than it was in Wyoming.

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You moved from Wyoming Montana, Montana. Whoops, you moved from there?

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So so, uh, how long
did it take you to get there?

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This was a good one, man. This was six hours. This

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is the longest driving segment of the
trip. Then we had tomorrow, Thank

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goodness. Man, we head up
to the Oregon coast where it's sixty seventy

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degrees. It's going to be gorgeous, all right, So hey, real

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quick, congrats to George Brockler.
He won the election last night. Well

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he'll be moving on and hopefully he's
going to be a prosecutor that of the

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twenty third district. I'm really hoping. I like George. He's one of

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the few guys out there that's actually
put some white criminal collar criminals away and

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just does good for the community.
Wow. Cool, so he won the

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primary, so he still has to
run up. Last night he won,

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and so did Bobart. I know
a lot of people bober don't like her

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because she toasted around the guns and
stuff. These are just the primaries,

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right, so they have to that's
correct, still have to win the election.

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And did you see polus I believe
actually I heard Brown talking about it

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actually endorse somebody other than the incumbent, which is kind of crazy. Wow,

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three oh three seven to one three
talk is our number, folks,

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three oh three seven to one three
eight two five five. So one of

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the things that we're gonna talk about
too, especially with this weather the way

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it is, is we're getting a
lot of ripoffs right now with landscaping.

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You know, people want landscaping.
And here's the problem in the landscape business

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in general. Okay, here's the
problem in general in general that everyone wants

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everything at the beginning of the season. No one wants to wait to have

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a lawn done toward the end of
the season. Yet the season goes on

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anywhere from really May to let's say
October November. But no one wants stuff

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in October November. I mean they
have to wait. Sometimes they don't have

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a choice, but they rather get
it done so they can enjoy it during

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the good weather. So they want
their sold or they want their bushes,

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they're landscaping, whatever they want it
done early in the season. Well,

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everyone wants it done early in the
season. And the problem that you have

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when that goes on is that you
can't do that. I mean, it's

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impossible to have everything done in the
beginning. So what people do then is

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they start looking for people that can
get out to their houses. And then

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they start thinking about, oh,
I can get this person out of the

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house, and they put more emphasis
on getting someone to the house than they

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do getting someone good. And what
happens is you're screwed. You're done,

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because when you get someone who's available, well that in itselfs that it tells

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you something. And I'm not saying
they're automatically bad, but it is certainly

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not necessarily good. Not only can
they get out there, but now they

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want you to have money upfront.
So people have been falling prey right now

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to landscaping scams, a lot of
them. I'm getting a lot of information

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about this that people are saying,
well, you know, we can get

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out there, but we want this
money down and people are willing to do

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it because they are so desperate.
So if you're in, if you want

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to pick a landscaper, I must
tell you this, do not, absolutely

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do not hire a landscaper based only
on availability. Make sure they're well established,

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they've been around, and that you
know who they are, they can

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identify themselves, their license there ensured. All of the normal stuff now we

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have on our referral list, like
lam Landscape is one example, we have

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people. I urge you to wait
for someone legit. Again, it's difficult

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to do to get out there to
do everyone. If it makes it real

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simple, don't give money up front. I mean, how many times do

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we got to pound that through someone's
head right exactly? Now. What's really

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interesting is we have had a lot
of discussion about the economy, and you

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know, whether it's good or bad
or and different or whatever it is.

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And one of the things that people
use as a measurement of an economy is

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if people are saving or not.
Are they saving money? Are they able

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to squirrel away money? And a
lot has to do with not just the

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economy around the country, but in
each individual state. And there was a

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survey done on where you can save
money the best. In other words,

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what states do you have a debt
to income ration where you may have money

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left over to save? And are
there are there states that are difficult to

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save in? Well, we have
this extremely difficult rating of one hundred,

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meaning the high rating means very very
difficult. Okay, So in other words,

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the worst place to save money would
be where do you think I know

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you're going to guess it right off
the bat, A city, city or

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state, a state You're going to
say it right off California or New York.

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California? Absolutely positively California. And
see, but I was going to

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ask you about that if we're talking
about New York, are we talking Albany

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or are we talking Manhattan? Okay, they average the state, So that's

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why calib they they look so Colorado's
got to be in the top ten.

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Hold on, you are so right, you are Now the worst place to

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save money is California. People hardly
have anything left in second place with the

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debt to income ratio than second highest. Where we just say, I think

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this is pretty logical. To Hawaii, that's logical. No matter what we

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can understand, this one surprises me. Nevada the third hardest place to save

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money. Nevada. All those casinos, Brother, they're gambling it away.

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Man. Oh no, I know
what it is too. Vegas in Vegas.

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There's a lot of money in Vegas. So okay, So I think

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what they're doing is they're looking at
the cost of living maybe And Oregon,

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Mark Oregon is the fourth hardest place
to save money. The fifth hardest place

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to save money Maryland, and then
Florida and then New York. Do you

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know it's easier to save money in
New York. And when we say save

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money, we mean put money away
after expenses. It's easier in New York

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than in Florida. And then South
Carolina. Colorado comes right after South Carolina,

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but it's in the top ten worse. And then Louisiana rounds out the

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top ten. You know what's funny
the top five. I think you said

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Florida was the sick that the top
five are all Democratic states, But then

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you throw Florida in there. That
kind of wrinkles my thought process. Well,

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let's see. But of the top
ten we have, I'll tell you

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how many Democrats. California's Democrat,
Hawaii's Democrat, Nevada is what I don't

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know, Oregon's Democrat, Maryland's Democrat, Florida's republican, New York, New

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York is Democrat. South Carolina is
Republican, Colorado's Democrat, Louisiana's Republicans.

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So you have mostly democratic states.
Let's talk about the easiest places. The

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easiest places. Where is it Wyoming
number one? No, let's see,

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is it Market's in the top ten, though you got that one, Okay.

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The easiest place to save money North
Dakota. They have a ton of

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money left over South Dakota after that. So I don't know anybody actually who

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lives in North and South Dakota.
Maybe that's why it's easy to save money.

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Nobody's there. Uh, let's see, Kansas is next. See all

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of those that little cluster right there. Missouri easy to save money, Iowa,

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Missouri, Iowa, Wisconsin, then
Nebraska, West Virginia, Wyoming,

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and Ohio. So that's the way
it stacks up as far as saving money.

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But you know, I talk to
young people in Colorado. I don't

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know any who can save money.
It's very, very difficult unless you know

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the popular thing in Colorado and in
most States Now, roommates people are rooming.

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I mean it doesn't just mean shacking
up, but I mean roommates in

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general. They're living together to save
money. Three oh three seven one three

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eight two five five. I'm Tom
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three oh three nine two zero sixteen
twenty two. Hi Tom Artina, here,

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do you realize that in some parts
of Denver Metro property property taxes have

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gone up over one hundred percent,
property taxes, and we got such a

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snowjob when it came to the TABOR
and when it came to property taxes,

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and and I think it was reg
g I mean, I I guess is

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policy. He's in his he's term
limited, right, I mean, you

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get two as a governor. That's
it. So there's no way. I

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mean, could this guy ever get
re elected with all the deceit and trying

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to make it sound like he invented
TABOR for us the refund and don't remember

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that? What a clown? Do
people? I mean, do people keep

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track of their government? Do they? Hey, did Denver vote on that

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sales tax increase? Yet? Did
that happen? No? No, not

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yet? Not yet? That's it? When does that go down next Tuesday?

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Or when just election? Oh?
I thought it was something else.

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I thought it was coming up.
I get it. And is it just

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for Denver? Yeah? But I
mean my whole point is these morons do

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it to themselves. There was plenty
of people out there, Michael Brown being

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one, Ross being another, saying
hey, if you vote on this for

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property taxes, they're going to go
up like freaking crazy. But people are

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morons. No, I know,
I know they did. Kelly, what's

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going on with you? Hello?
Kelly, what's happening? Hello? Tom?

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Hey, what's going on? And
I agree with you is a moron.

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But anyway, well, I mean, I don't think he's doing a

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great job. I think think he
kind of misleads us a bit. I

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mean, he doesn't seem like a
bad person, but he just doesn't seem

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like he's with it. He doesn't. I can't trust him. He doesn't

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care, basically, That's what I
think. But could be. So I'm

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calling about. Not to get too
graphic, but I have to have a

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diagnostic colon ask could be every two
years. Every two years, so you

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have colon cancer in the family,
I always have pre cancer's call up.

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Yeah, so that's what I've had
to do, and so I am.

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You know, I've had private insurance
since I was seventeen, so I always

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call and check probably five times before
I have a procedure to make sure it's

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covered well. And normally normally they
are covered aright, preventatives are, but

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when it's diagnostic, it's you know, there if you don't have the coding

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correctly. I'm learning, so how
often. How often can you get inventive

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colonoscopies? I couldn't tell you that. I mean, you probably could go

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yearly if you wanted to, as
long as they don't remove anything. Maybe

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that's a preventative, but it's you
know, the extra time maybe goes into

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a surgical. Well that's kind of
crazy because it takes the same amount of

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time if they snap apolla for cares. You need it every two years?

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Did you say every two years?
I'm spoke to get them. Okay,

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So well, I'm dead serious.
It doesn't. It does. It's not

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like another guy comes in. It's
all the same thing. I agree.

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Yeah, I'm a sleep though,
you know. So, so how is

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this affecting you? So you need
a diagnostic colonoscopies every two years? Correct?

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So what happened was the last time
I had one and I had different

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insurance and I called four to five
times, which I typically do. Are

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you sure it's covered? Yes?
Yes? Are you? And how long

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ago was that? That was three
years ago? I'm due you know this

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year? So anyway, Centaura,
So my insurance only wound up. It

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was a twelve thousand dollars bill.
My insurance only covered five so I was

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left with seven thousand. Wait,
so how much? How much was it?

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Callin Oscobee twelve thousand? Holy crap, I'm mean, no pun intended,

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but okay, go ahead, So
twelve and you're stuck with seven grand

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thousand. So and I'm you know, I'm an advocate for myself, So

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I wrote letters to Centaur saying this
is the hardship. Can you work with

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me? You know? And I'm
a smart ass also, so I said,

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I'm sure you're sitting around the table, you know, because you're all

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corporate and have corporate insurance and you
don't understand what it's like to pay out

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a pocket. But they had no
feeling. So I got stuck with seven

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thousands. Did you just find out
about this? It was three years ago?

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No? No, no, I've
been paying and then I you know,

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I worked at a payment program with
them, and so they wouldn't come

206
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down at all because they, I
assure you, they don't charge insurance company

207
00:17:15.480 --> 00:17:19.480
twelve grand. Oh I know,
I know, But like I said,

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my insurance company who told me it
was covered, only paid five. So

209
00:17:23.799 --> 00:17:29.200
I'm left with a seven thousand dollars
bill when you said they said it was

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00:17:29.240 --> 00:17:34.960
covered did you get a pre authorization? No, I gave them a CPP

211
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code. Did and they said it's
covered. Did they say it's covered one

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00:17:41.039 --> 00:17:45.640
hundred percent or it's covered under your
plan? It's covered under my plan?

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And I well, covered under your
plan doesn't mean covered one. What it

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means is it's covered, doesn't it's
you understand what I'm saying. It's covered

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00:17:55.880 --> 00:17:59.799
meaning they did cover it. They
covered five thousand of it. It doesn't

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00:17:59.839 --> 00:18:04.000
mean it's covered for anything. But
I don't. But but they should have

217
00:18:04.079 --> 00:18:10.240
explained that to you, like we
cover up too. But I'm specific on

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00:18:10.599 --> 00:18:15.960
the type of colonoscopy I have to
get. You know, if this was

219
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diagnostic or excuse me, if this
was just a regular screening colonoscopy, would

220
00:18:22.160 --> 00:18:26.880
it have been covered on? Yes? I believe so. I mean I

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00:18:26.880 --> 00:18:30.960
don't have that insurance company anymore,
but yes, I believe. So.

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00:18:30.880 --> 00:18:37.240
Wait, so when did you When
did you drop that insurance? Yeah?

223
00:18:37.720 --> 00:18:40.359
When don't have them because I have
to play the game. When did you

224
00:18:40.440 --> 00:18:45.480
drop them because of kreams? Uh? After that? That was what?

225
00:18:45.559 --> 00:18:49.720
Twenty two? I had that done, So twenty three and twenty four I've

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had a different insurance company and then
I'm you know, start medicare. What

227
00:18:55.680 --> 00:18:57.200
can we do to help you?
What do you need? Well, I'm

228
00:18:57.240 --> 00:19:00.640
just wondering if there's any possibility.
I mean, I've been paying them and

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I still have a thirty seven hundred
dollars balance. If you have any negotiating

230
00:19:06.200 --> 00:19:11.640
power, let's I want to call
Integra Insurance. I want to see what

231
00:19:11.680 --> 00:19:17.680
they recommend we do. By the
way, we have been successful in the

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past of reasoning with insurance companies saying
this, Hey, you know, damn

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00:19:22.640 --> 00:19:26.720
well, you're not charging that much
to insurance companies. At least give her

234
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the insurance rate. I mean,
I don't know. Are they making any

235
00:19:30.160 --> 00:19:37.039
aggressive moves to get the money?
Cur Yeah? No, I'm on a

236
00:19:37.079 --> 00:19:40.279
payment, a monthly payment. You're
still doing it? How much a month?

237
00:19:40.880 --> 00:19:44.680
There's one hundred and eighteen dollars because
I'm like I said, I'm an

238
00:19:44.680 --> 00:19:47.680
advocate for myself, and at first
they wanted four or five hundred, and

239
00:19:47.759 --> 00:19:51.599
I said, not a chance.
So I pay one hundred and eighteen dollars

240
00:19:51.640 --> 00:19:56.640
a month. My balance is around
thirty seven hundred left. Wow. Yeah,

241
00:19:56.680 --> 00:20:00.799
Wow, You've been making a lot
of payments. You made making more

242
00:20:00.839 --> 00:20:04.839
payments than most people would well exactly, I know that. That's that's who

243
00:20:04.920 --> 00:20:11.240
I am. So and my point
being is when I wrote them letters,

244
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I was just asking to negotiate a
lesser amount. But they wouldn't even do

245
00:20:15.599 --> 00:20:18.960
that. I wasn't asking for complete
forgetting. You know what. That's odd

246
00:20:19.000 --> 00:20:26.119
that they would not do that.
No, they sure didn't. We need

247
00:20:26.240 --> 00:20:30.960
Okay, first of all, if
we do call Centura about this, we

248
00:20:32.039 --> 00:20:36.599
need some kind of hip, a
thing agreed to, because it's so whenever

249
00:20:36.640 --> 00:20:40.240
we deal with anything medical like this, it's such a pain in the ass.

250
00:20:40.480 --> 00:20:42.599
But I want to call Integra in
general to find out. Now,

251
00:20:44.319 --> 00:20:48.079
your insurance you said, was what
at the time, Well, I had

252
00:20:48.160 --> 00:20:56.000
meta share oh the time, Medicare
share share. Oh hold on, oh

253
00:20:56.079 --> 00:21:00.000
god, yes, was that one
of those Christian plans? Yep, yeah,

254
00:21:00.440 --> 00:21:04.039
listen, there's your answer. Well, and by the way, this

255
00:21:04.079 --> 00:21:07.519
is nothing against Christianity, trust me
when I tell you that. Qu But

256
00:21:07.559 --> 00:21:11.559
when it comes to those meta share
programs, I swear to god, I

257
00:21:11.599 --> 00:21:15.920
went on it one time, really
quickly got off it. I there was

258
00:21:15.240 --> 00:21:21.440
never anything never. It's like being
uninsured. I mean, are they still

259
00:21:21.480 --> 00:21:23.799
around these programs? Oh yeah,
you're on the radio all the time,

260
00:21:25.440 --> 00:21:26.839
I think, what are you supposed
to do it? Like, like,

261
00:21:29.079 --> 00:21:32.920
don't you send in your premium?
Do they? Some of them went so

262
00:21:32.960 --> 00:21:36.000
far as to tell you where to
send your premium. Didn't you actually send

263
00:21:36.039 --> 00:21:40.000
it to people who had claims?
Or there were some crazy ones that were

264
00:21:40.119 --> 00:21:42.400
jacked up. You had to like
say three hail Mary's and then send a

265
00:21:42.480 --> 00:21:47.359
check to somebody who just got something
done. I mean it was weird and

266
00:21:47.400 --> 00:21:51.720
then and then, but there were
different kinds. Then some you sent your

267
00:21:51.720 --> 00:21:55.599
money to a central clearinghouse and they
doled it out. But I just never

268
00:21:55.720 --> 00:22:00.960
trusted them ever. They're just terrible. Are good things And like I said,

269
00:22:02.039 --> 00:22:06.240
I'm a private contractor so and I
don't I'm not a six with person.

270
00:22:06.680 --> 00:22:11.200
So it's like me certain things and
I make sure even before I bought

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00:22:11.200 --> 00:22:14.720
them, I'm like, hey,
here's the deal. This is the biggest

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00:22:14.759 --> 00:22:18.160
thing that I need covered. Let's
get some answer. Let's get some answers

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00:22:18.160 --> 00:22:19.960
for you. Hold on, just
don't hang on, hey, Kelly,

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00:22:21.039 --> 00:22:23.599
Let's try to get some of our
friends at Integra. I'm Tom Martine three

275
00:22:23.680 --> 00:22:26.599
oh three seven one three talk heyd
eight eight heating dot Com. I know

276
00:22:27.039 --> 00:22:30.640
you're desperate if your air is out. They're good people. They'll get to

277
00:22:30.640 --> 00:22:33.519
you as soon as possible. Now
listen, they're running better than most when

278
00:22:33.519 --> 00:22:37.519
it comes to appointments UH for your
air conditioning, and they're honest. Three

279
00:22:37.599 --> 00:22:48.440
oh three seven seven zero two seven
seven six eight eight eight Heating dot com.

280
00:22:48.759 --> 00:22:52.839
Go with a sure thing Denver's best
roofer Excel Roofing dot com. You

281
00:22:52.839 --> 00:22:59.960
don't pay a cent until you're content. Time for an insurance check up free,

282
00:23:00.000 --> 00:23:03.480
no obligation. In comparison, call
Compass Insurance paying too much your coverage

283
00:23:03.519 --> 00:23:07.359
at dozens of insurance companies find out
now three all three seven seven to one

284
00:23:07.480 --> 00:23:11.119
help. You'll think you're his only
customer when you choose Frank durand the real

285
00:23:11.200 --> 00:23:15.799
estate Man dot com to list your
home with Remax Alliance three all three nine

286
00:23:15.799 --> 00:23:23.440
two zero sixteen twenty two. I'm
Tom Martino, your troubleshooter three O three

287
00:23:23.559 --> 00:23:27.799
seven one three talks seven one three
eight two five five. You know we

288
00:23:27.880 --> 00:23:33.720
get this a lot. I'm asking
John Jones Junior with Integra Insurance, their

289
00:23:33.759 --> 00:23:37.880
health insurance brokers. They do a
great job, truly. The ones I

290
00:23:37.920 --> 00:23:41.759
would go with you don't pay any
money. Going with them this he's on

291
00:23:41.839 --> 00:23:45.000
as an expert right now, and
I just thought i'd throw that in about

292
00:23:45.039 --> 00:23:52.119
them because they just do a good
job. Integra Insurance dot com and John,

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00:23:52.480 --> 00:23:55.119
I want to ask you a question. We hear this all the time.

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00:23:55.160 --> 00:24:00.720
Okay, somebody gets they call for
authorization or they ask us something covered,

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00:24:00.279 --> 00:24:03.839
and the company says, yeah,
it is covered. And here here's

296
00:24:03.920 --> 00:24:07.119
what covered means. It can mean
a number of things. Number one,

297
00:24:07.200 --> 00:24:11.519
it's covered, it goes towards your
deductible. Number two, it's meaning it's

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00:24:11.640 --> 00:24:17.200
recognized. Number two, it's covered
and they pay it all. Or number

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00:24:17.200 --> 00:24:21.279
three, it's covered and they pay
the approved amount. Wouldn't you agree that

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00:24:21.400 --> 00:24:27.599
covered doesn't necessarily mean paid. Yes, sir, How it's covered is the

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00:24:27.680 --> 00:24:32.319
question? Right? You're exactly right. How it's covered? Is that kisses

302
00:24:32.359 --> 00:24:36.480
me off? Because it can?
So. Kelly calls and says, is

303
00:24:36.559 --> 00:24:42.599
my colonoscopeek covered? And she had
who was the insurance company? Kelly,

304
00:24:48.240 --> 00:24:51.960
Kelly? Are you there? Yes, I'm here? Who was the insurance

305
00:24:51.960 --> 00:24:57.519
company? Meta Share? Meta Share? Okay, so meda Share the health

306
00:24:57.559 --> 00:25:00.759
share program, it's not an insur
ssurance company. Well we well know that

307
00:25:00.880 --> 00:25:06.200
now that's one of these share programs, right, yes sir, yes sir.

308
00:25:06.279 --> 00:25:08.640
But when they say it's covered,
what do they mean. Well,

309
00:25:08.680 --> 00:25:15.160
with meda Share, they put it
in a preventive care. Preventive care is

310
00:25:15.200 --> 00:25:19.880
not preventive care is not paid for
prior to your annual household portion. So

311
00:25:19.880 --> 00:25:25.039
your annual household portion, that's like
you're it's like a maxed out of pocket.

312
00:25:25.079 --> 00:25:29.400
Basically, once you've satisfied the annual
household portion, then all of your

313
00:25:29.480 --> 00:25:33.680
bills become eligible for sharing. That's
how the health share program works. Nothing

314
00:25:33.720 --> 00:25:37.160
is technically quote unquote covered. You
have to use different terminology with the health

315
00:25:37.160 --> 00:25:44.119
share program. So so you're responsible
for all your medical bills. You're still

316
00:25:44.119 --> 00:25:48.400
getting the discounted rate through the network
for your medical bills, your medical care,

317
00:25:48.119 --> 00:25:52.359
but you're responsible for all of it
up to your annual household portion with

318
00:25:52.359 --> 00:25:55.400
with Meta share. Then once you
satisfy that annual household portion, then your

319
00:25:55.400 --> 00:25:59.680
bills become eligible for sharing. And
when they're eligible for sharing, does that

320
00:25:59.720 --> 00:26:03.640
mean one paid or partially? That
means it should be. I mean so

321
00:26:03.920 --> 00:26:07.200
you again, it's a healthcare program, so there's no guarantees. But Medicare,

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00:26:07.279 --> 00:26:11.440
for example, who's been around since
nineteen ninety three does say that all

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00:26:11.440 --> 00:26:15.319
of their eligible all one hundred percent
of eligible medical expenses have been paid among

324
00:26:15.400 --> 00:26:19.920
their members. Okay, but what
your program, it's always in the small

325
00:26:19.920 --> 00:26:23.519
print, there's no guarantee. Kelly, what's your deductive by about health insurance?

326
00:26:25.799 --> 00:26:29.039
Well, I mean that was so
long ago i'd have I don't even

327
00:26:29.039 --> 00:26:32.279
know if I've record of it.
And the issue really isn't meta share right

328
00:26:32.319 --> 00:26:36.079
now? It's my balance with Centuri
hold on. I wanted to ask John

329
00:26:36.119 --> 00:26:41.079
about that. John, Healthcare Providers. So this colonoscopy is billed at twelve

330
00:26:41.119 --> 00:26:47.799
grand, her insurance paid five grand, she's stuck with seven grand. I

331
00:26:47.839 --> 00:26:53.279
wanted to ask you something. Usually
the amount they charge insurance companies and will

332
00:26:53.279 --> 00:27:02.119
accept as payment in full. Isn't
that usually? Uh? Aren't they satisfied

333
00:27:02.160 --> 00:27:06.799
with that? Why do they have
to charge her full retail? Yeah?

334
00:27:06.839 --> 00:27:10.240
The games are fun, right,
Yeah? When it comes to providers and

335
00:27:10.279 --> 00:27:15.039
health insurance companies, what's build and
what's actually negotiated and approved and paid?

336
00:27:15.079 --> 00:27:18.640
And I mean you look at a
line item of your billing and it can

337
00:27:18.680 --> 00:27:25.160
be it can certainly cause headaches.
Now that forsop, it depends. I

338
00:27:25.160 --> 00:27:29.039
mean I don't know as far as
detail, ma'am about the We don't need

339
00:27:29.079 --> 00:27:32.279
to go into too many details of
the khilosophy, but it was it was

340
00:27:32.359 --> 00:27:36.680
diagnostic and polyps and all of that. Yeah, exactly that if they found

341
00:27:36.720 --> 00:27:40.440
pull ups, it became surgical.
Then yet certainly could become a lot more

342
00:27:40.480 --> 00:27:44.640
expensive. And then you if your
annual household portion was seven thousand or more,

343
00:27:45.480 --> 00:27:48.079
then you certainly could be responsible for
you you know what your deductie she

344
00:27:48.160 --> 00:27:52.640
doesn't remember what it was, but
but it's still that still seems exorbable.

345
00:27:52.640 --> 00:27:56.039
I mean, I all have clients
even with health insurance, and kolenoscopies are

346
00:27:56.039 --> 00:28:00.960
the tricky one or one of the
tricky ones. You'll go in and thinking

347
00:28:00.000 --> 00:28:04.079
this is a free preventive care.
If you have health insurance and they find

348
00:28:04.119 --> 00:28:06.960
the pull up, well, they're
not going to leave it in there,

349
00:28:07.000 --> 00:28:12.359
so it changes from preventive care to
surgical. And then you get a bill

350
00:28:12.440 --> 00:28:17.319
for twenty five hundred dollars because of
that, when you were expecting it to

351
00:28:17.359 --> 00:28:22.480
be free or no cost to you
under your health insurance plans. So colenoskopies

352
00:28:22.519 --> 00:28:26.160
can be tricky now and I'm very
aware of this because I've done this for

353
00:28:26.200 --> 00:28:30.599
a while, so when I whenever
I call or ask, I am diagnostic.

354
00:28:30.720 --> 00:28:37.200
I'm not a preventative. And also
the thing that the Centaurro would not

355
00:28:37.359 --> 00:28:41.599
allow me to do. Once I
found out that Meta Share was only going

356
00:28:41.680 --> 00:28:45.839
to pay five thousand dollars, I
asked them about a cash price because I

357
00:28:45.880 --> 00:28:49.480
know all about that, so your
cash price is less, ma'am. Well,

358
00:28:49.680 --> 00:28:53.599
they wouldn't let me do it because
it was already submitted to medicine.

359
00:28:55.680 --> 00:28:57.519
Well, yeah, that's a lot
of ball. Here's what I think,

360
00:28:57.599 --> 00:29:04.400
though, I want to make an
observation. They recently removed medical bills as

361
00:29:04.480 --> 00:29:08.599
part of credit reports. Isn't that
right, John? I think that you

362
00:29:08.599 --> 00:29:12.440
you can't very recently, I believe. Yeah. So what I'm saying is

363
00:29:14.160 --> 00:29:18.880
if you don't pay that, it's
unlikely it's going to affect your credit.

364
00:29:21.079 --> 00:29:26.000
Well, but that's not who I
am. I understand that Kelly with Meta

365
00:29:26.000 --> 00:29:30.839
Share, also with you know,
they have extra blessings right where you can

366
00:29:30.480 --> 00:29:37.000
put those additional costs out there for
the community, right, the community of

367
00:29:37.039 --> 00:29:41.599
individuals and families who share to potentially
help pay down the cost or pay all

368
00:29:41.599 --> 00:29:45.640
of that. But she hasn't she
hasn't had it. No, I don't

369
00:29:45.640 --> 00:29:55.000
have that three years ago. Okay, So Kelly, you said you had

370
00:29:55.000 --> 00:30:00.960
a problem with Centuri, So what
is it. It's just trying to negotiate

371
00:30:00.359 --> 00:30:03.160
a lesser amount. I was stuck. In fact, I found the full

372
00:30:03.279 --> 00:30:07.960
bill. My remaining was seven thousand. You know what I would say,

373
00:30:08.000 --> 00:30:12.119
I think I paid enough. You
wouldn't have gotten paid this much from other

374
00:30:12.160 --> 00:30:18.640
insurance plans. Call it good.
This is where I would say to him,

375
00:30:18.839 --> 00:30:21.440
and if you need discs my call. I mean they're going to go

376
00:30:21.480 --> 00:30:22.759
sorry, ma'am, well we're going
to put you in collection. Yeah,

377
00:30:22.759 --> 00:30:26.880
but they're not okay. And when
they put you in collections, I doubt

378
00:30:26.920 --> 00:30:30.400
they will do anything to you,
is what I'm saying. Medical bills.

379
00:30:32.480 --> 00:30:40.000
Medical bills have lost favor when it
comes to collection. Yeah. Well yeah,

380
00:30:40.079 --> 00:30:42.200
I just I don't know. That
makes me nervous. I need your

381
00:30:42.240 --> 00:30:47.640
support. Maybe you should call them. Let's do a conference call. Okay,

382
00:30:48.559 --> 00:30:52.039
when we call, we do have
to do a conference call because it

383
00:30:52.160 --> 00:30:56.519
is a hip a thing. Yeah, Deputy Bojes walked in. Maybe he

384
00:30:56.559 --> 00:30:59.599
can do that during the show.
Hold on, let's let's try it.

385
00:31:00.559 --> 00:31:04.960
I want to ask John while you're
on John, John about balance billing and

386
00:31:06.000 --> 00:31:08.079
all of that and collections. I
got to take this break dot I oh,

387
00:31:08.079 --> 00:31:11.079
shoot, shoot, shoot, can
you hang on, John? I

388
00:31:11.400 --> 00:31:18.680
need to ask you that question.
Hold on, Go with a sure thing

389
00:31:18.799 --> 00:31:23.200
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're

390
00:31:23.279 --> 00:31:30.240
content. Time for an insurance check
up free, no obligation. In comparison,

391
00:31:30.359 --> 00:31:36.240
call Compass Insurance paying too much your
coverage at dozens of insurance companies find

392
00:31:36.279 --> 00:31:38.559
out now three O three seven seven
to one help. You'll think you're his

393
00:31:38.720 --> 00:31:42.720
only customer when you choose Frank durand
the real estate man dot com to list

394
00:31:42.759 --> 00:31:48.200
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

395
00:31:49.839 --> 00:31:52.960
I'm Tom Martine. I don't have
a lot of time, and I want

396
00:31:52.000 --> 00:31:56.480
to talk to John Jones with Integer
Insurance. And John, what I want

397
00:31:56.480 --> 00:32:01.880
to ask is this, when when
consumers go and they're facing something like this,

398
00:32:04.079 --> 00:32:10.279
do health providers have a cash price
or a discounted price for people like

399
00:32:10.359 --> 00:32:15.240
this? Well, sure, but
not really. People like the issue is

400
00:32:15.240 --> 00:32:17.519
that it's already like they told her, it's already been run. It's already

401
00:32:17.519 --> 00:32:22.519
been processed, it's already been put
through the system with meta Share, and

402
00:32:22.599 --> 00:32:25.920
so typically, yeah, if you
run your health insurance, even if you

403
00:32:25.960 --> 00:32:30.359
put something through your health insurance,
it's almost impossible at that point to go

404
00:32:30.400 --> 00:32:35.160
back and try to negotiate a cash
price that needs to happen upfront. Okay,

405
00:32:35.160 --> 00:32:38.000
but what I'm saying is this,
Let's just say meta Share paid five

406
00:32:38.079 --> 00:32:45.160
grand, Okay, a colonoscopy.
Let's say another insurance company would have paid

407
00:32:45.400 --> 00:32:49.039
eight grand, just whatever, Let's
say eight out of the twelve. You

408
00:32:49.079 --> 00:32:51.400
know they're not going to pay the
twelve. They would have paid the eight

409
00:32:51.559 --> 00:32:54.200
or something. They would have had
an approved amount. So theoretically, if

410
00:32:54.240 --> 00:33:00.119
she makes a case to them that
hey, meda Share paid five, I

411
00:33:00.720 --> 00:33:04.799
paid another three in net dollars,
you're getting about the same as you would

412
00:33:04.880 --> 00:33:08.680
under any normal insurance claim. I
don't see why they would pursue her.

413
00:33:08.880 --> 00:33:14.880
But do they pursue medical collections with
vigor? Still? I mean, you

414
00:33:14.920 --> 00:33:17.720
can, I think rufoul good thing
you can try, But I don't think

415
00:33:17.839 --> 00:33:22.359
providers care. I mean, they
have their own negotiated rate with every health

416
00:33:22.400 --> 00:33:29.279
insurance company are all different. We're
out of time that's Integrainsurance dot com.

417
00:33:29.759 --> 00:33:34.039
Go with a sure thing Denver's Best
Rufer Excel roofing dot com. You don't

418
00:33:34.079 --> 00:33:40.039
pay a cent until you're content.
Time for an insurance checkup free, no

419
00:33:40.119 --> 00:33:45.039
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

420
00:33:45.039 --> 00:33:49.759
of insurance companies find out now three
all three seven to seven to one help.

421
00:33:49.920 --> 00:33:52.480
You'll think you're his only customer when
you choose Frank durand the real estate

422
00:33:52.519 --> 00:33:57.960
Man dot com to list your home
with Remax Alliance three all three nine two

423
00:33:58.039 --> 00:34:08.679
zero sixteen twenty two. Yeah,
ripped up. You need advice when you

424
00:34:08.800 --> 00:34:16.400
don't have come a run anxious as
fast as we can. Shooter's gonna help

425
00:34:16.679 --> 00:34:24.840
coming. Man Dix is the Troubleshooter
Show. No Tom Martino, Hi Tom

426
00:34:24.880 --> 00:34:30.280
Martino here three oh three seven one
three talk seven one three eight two five

427
00:34:30.440 --> 00:34:32.800
five. You can call us right
now. You can also call three oh

428
00:34:32.840 --> 00:34:37.679
three Martino three oh three six two
seven eight four sixty six. You leave

429
00:34:37.719 --> 00:34:42.599
a message and we will definitely get
back to you if you ever have a

430
00:34:42.639 --> 00:34:45.800
problem, question or complaint you need
help with. You don't have to wait

431
00:34:45.880 --> 00:34:52.400
anywhere, and I have, by
the way, UH a text message here

432
00:34:52.440 --> 00:34:57.440
about UH personal injury. We talk
about that from time to time, and

433
00:34:57.480 --> 00:35:00.400
I like to check in with my
expert, John Fuller, who's a personal

434
00:35:00.440 --> 00:35:07.280
injury attorney. And I guess I
don't often explain it, but I mentioned

435
00:35:07.360 --> 00:35:09.880
and I say, you know,
call right away. There's no downside to

436
00:35:09.960 --> 00:35:15.760
calling. Give them a call and
see what your rights are and all of

437
00:35:15.800 --> 00:35:19.760
that. Somebody wanted to know.
Is there any harm in waiting, like

438
00:35:19.920 --> 00:35:25.360
just to see what they offer or
what is the reason for calling, let's

439
00:35:25.360 --> 00:35:30.239
say, right after an accident.
John, Hey, Tom, good morning.

440
00:35:30.519 --> 00:35:32.159
So here's the deal, Tom.
You can have great insurance, but

441
00:35:32.239 --> 00:35:38.079
if you don't use the great insurance
the right order and you know, with

442
00:35:38.159 --> 00:35:44.000
the appropriate vendors and stuff, you
lose all the benefit of having that great

443
00:35:44.039 --> 00:35:47.000
insurance. As an example, we
had a recent case where a young lady

444
00:35:47.039 --> 00:35:52.480
had an UR bill of one hundred
and three thousand dollars that by the time

445
00:35:52.519 --> 00:35:59.280
they got reprocessed and repriced through the
health insurance appropriately, it was knocked down

446
00:35:59.679 --> 00:36:04.079
to only twenty three thousand dollars almost
you know, eighty percent of it all.

447
00:36:04.360 --> 00:36:07.639
Wow. Well, if we didn't
get involved early enough, you would

448
00:36:07.679 --> 00:36:12.519
have seen every single bit of her
medical payments, coverage, and likely a

449
00:36:12.559 --> 00:36:15.760
good chunk of the available settlement dollars
go to pay in the full amount of

450
00:36:15.760 --> 00:36:21.320
that hospital bill. So it definitely
matters when we get in touch or when

451
00:36:21.320 --> 00:36:25.159
we get involved in the case early, because our main goal is to do

452
00:36:25.280 --> 00:36:29.599
well at the end of the case. By doing well at the beginning of

453
00:36:29.639 --> 00:36:34.000
the case and getting everything set up
perfectly so that you get the benefits that

454
00:36:34.039 --> 00:36:37.320
you deserve and that you paid for. I actually never looked at it that

455
00:36:37.360 --> 00:36:44.639
way. So you can actually help
them net more money by getting these bills

456
00:36:45.000 --> 00:36:49.000
negotiated. Yeah, I've always said
that I felt like we could put at

457
00:36:49.079 --> 00:36:52.840
least thirty percent more money in your
pocket if we got involved right away as

458
00:36:52.880 --> 00:36:59.559
opposed to waiting, And that thirty
percent assumes the exact same settlement dollars.

459
00:36:59.800 --> 00:37:04.639
It's just the better application of the
benefits in the right order and the way

460
00:37:04.719 --> 00:37:07.320
that they were supposed to be used. So it definitely matters. If your

461
00:37:07.440 --> 00:37:13.360
goal is to get the best outcome
from your personal injury case, you're going

462
00:37:13.440 --> 00:37:15.559
to be better off by've given me
a call right away and get us involved

463
00:37:15.559 --> 00:37:22.480
early on. Okay, And that's
John Fuller, my accident lawyer dot CO.

464
00:37:22.800 --> 00:37:28.239
I have another quick question for a
three zero three five five hundred five

465
00:37:28.360 --> 00:37:34.000
nine seven four five zero zero John. In the world of personal injury,

466
00:37:34.199 --> 00:37:38.320
what would you say the percentage of
cases that actually go to trial? It's

467
00:37:38.440 --> 00:37:43.199
very low. It's very low,
and down in probably the single digits.

468
00:37:43.440 --> 00:37:46.679
That's not to say that cases don't
wind up in litigation, but the reality

469
00:37:46.800 --> 00:37:51.920
is our court systems can't you take
every single case to trial. Yeah,

470
00:37:52.039 --> 00:37:57.000
so the ones that have you know, legitimate disputes about liability or damages or

471
00:37:57.039 --> 00:38:00.360
any of a million other things may
well go into mitigation, but more than

472
00:38:00.519 --> 00:38:05.639
likely those cases are going to get
worked out before the actual trial day comes

473
00:38:05.679 --> 00:38:08.440
to pass. Thank you very much, John, appreciate it, my accident

474
00:38:08.559 --> 00:38:14.840
lawyer dot CO. Three h three
five ninety seven forty five hundred. You

475
00:38:14.880 --> 00:38:19.880
know, here's the thing. Almost
the way the system is set up right

476
00:38:19.920 --> 00:38:23.800
now in general lawsuits in general.
Now, personal injury is a little different

477
00:38:24.400 --> 00:38:30.039
because that's done on what they call
a contingency fee, and a lot of

478
00:38:30.079 --> 00:38:37.320
people mistakingly believe that a lot of
cases are taken on contingency And I would

479
00:38:37.360 --> 00:38:45.039
say the vast majority of cases are
not taken on contingency. In fact,

480
00:38:45.639 --> 00:38:50.760
the people always say can you recommend
an attorney? Or the famous expression is

481
00:38:51.360 --> 00:38:57.440
I can't find an attorney. When
someone says I can't find an attorney,

482
00:38:57.840 --> 00:39:01.960
what they really are saying is I
can't find an attorney free, or an

483
00:39:01.960 --> 00:39:07.360
attorney that will pay, that will
work for me for a portion of what

484
00:39:07.480 --> 00:39:12.800
they collect. And there's a reason
for that. In most cases, damages

485
00:39:13.039 --> 00:39:21.760
never ever outweigh the cost in most
cases. That's why most civil litigation isn't

486
00:39:21.760 --> 00:39:25.559
worth pursuing. I've always thought there
should be And now I know you say,

487
00:39:25.559 --> 00:39:30.599
we have small claims court. Yeah, an it that that's something,

488
00:39:30.079 --> 00:39:34.800
but there still has to be something
above that. There's got to be a

489
00:39:34.840 --> 00:39:44.280
way that people can arbitrate their differences
and go after someone without spending one hundred

490
00:39:44.280 --> 00:39:47.800
grand I mean, or a lawsuit
minimum twenty grand just to get to the

491
00:39:47.800 --> 00:39:53.880
courthouse, or without having a two
or three day trial. You would think

492
00:39:53.960 --> 00:39:58.760
that by now we would have come
up with a way, maybe a system

493
00:39:58.800 --> 00:40:06.719
of arbitration or something where people can
be heard and people don't have to spend

494
00:40:07.079 --> 00:40:12.760
a lot doing it. Because most
problems do not lend itself to a lawsuit.

495
00:40:13.719 --> 00:40:19.119
Even a fifty thousand dollars problem could
be too small to go after with

496
00:40:19.280 --> 00:40:25.559
court. It's gotten so cost prohibitive. It's really gotten to a point where

497
00:40:25.559 --> 00:40:31.320
it's ridiculous. Now. I wish
that technology could help there, maybe some

498
00:40:31.559 --> 00:40:37.840
call in platform similar to a zoom
or maybe some other kind of platform where

499
00:40:37.360 --> 00:40:43.519
litigance can be verified, people can
be sworn in. And I know they

500
00:40:43.559 --> 00:40:47.199
do have some of those, but
I'm talking about real cases where you can

501
00:40:47.280 --> 00:40:55.079
go in, keep the cost down
and not gamble your entire life savings over

502
00:40:55.159 --> 00:41:01.719
a lawsuit. But right now,
lawsuit are impractical. They are, and

503
00:41:01.800 --> 00:41:07.039
in fact there are some cases,
like for example, with medical malpractice not

504
00:41:07.159 --> 00:41:12.960
only impractical, but almost never pays. You have to have such a catastrophic

505
00:41:13.119 --> 00:41:20.440
inner injury to pay for malpractice.
It's ridiculous, and very seldom do people's

506
00:41:20.480 --> 00:41:25.559
injuries add up to that. By
the way, I often have to remind

507
00:41:25.559 --> 00:41:30.000
myself, So, gen Z,
do you know how gen Z people are?

508
00:41:30.400 --> 00:41:34.920
You know, you don't know?
Do you drag gen Z? You

509
00:41:34.960 --> 00:41:39.360
know, at the earliest age of
a gen Z is eleven? What eleven?

510
00:41:39.679 --> 00:41:44.519
Huh? Twenty six? Is twenty
six or twenty seven is the oldest.

511
00:41:44.800 --> 00:41:50.800
That's a gen z, right,
yeah, so a gen zer they

512
00:41:50.960 --> 00:41:57.360
right now listen to this. A
stat says that a majority, okay,

513
00:41:57.880 --> 00:42:02.960
one in seven have credit cards,
not one credit card, but credit cards

514
00:42:04.480 --> 00:42:10.039
that are maxed out. One in
seven gen Zers. That's only getting to

515
00:42:10.159 --> 00:42:15.960
take twenty six years old. Can
you imagine having one or more credit cards

516
00:42:15.000 --> 00:42:22.679
already maxed out and they're only committed
to paying minimum payments. That means these

517
00:42:22.719 --> 00:42:28.159
people are going to be in debt. Well it's like thirty years. I

518
00:42:28.159 --> 00:42:32.599
mean, if you see how long
it's amortized, it's ridiculous. So one

519
00:42:32.639 --> 00:42:38.960
is seven. That equates to about
fifteen percent. They're maxed out on credit

520
00:42:38.960 --> 00:42:46.079
cards and are making minimum payments.
This has increased the course over the years.

521
00:42:47.440 --> 00:42:53.559
Now, baby boomers, how many
of those do you think are maxed

522
00:42:53.599 --> 00:42:59.840
out? Just think about this,
this is crazy. Only four point nine

523
00:43:00.000 --> 00:43:05.039
percent of the old farts, the
baby boomers four point eight percent. That

524
00:43:05.159 --> 00:43:12.920
means that they don't use credit as
unwisely as the zeers. And then the

525
00:43:12.960 --> 00:43:19.519
ones in between we often call them
millennials and stuff. Are they just as

526
00:43:19.679 --> 00:43:23.000
irresponsible? About ten percent of them? That's not bad. Ten percent of

527
00:43:23.039 --> 00:43:28.480
them overmaxed maxed out. We have
more coming up on the Troubleshooter Show.

528
00:43:29.000 --> 00:43:32.119
Three all three seven one three talk
seven one three eight two five five.

529
00:43:32.679 --> 00:43:42.880
Genesistotalexteriors dot com they also now do
mold detection and mitigation the honest ways.

530
00:43:42.960 --> 00:43:45.679
You don't have to panic, and
they'll tell you what needs to be done

531
00:43:45.719 --> 00:43:51.480
to get rid of the mold without
the fear everyone puts into you and you

532
00:43:51.480 --> 00:44:02.239
know exaggeration. Genesistotalexteriors dot Com.
Go with a sure thing Denver's best roofer

533
00:44:02.360 --> 00:44:09.519
Excel Roofing dot com. You don't
pay a cent until you're content. Time

534
00:44:09.559 --> 00:44:15.559
for an insurance check up free,
no obligation comparison call Compass Insurance paying too

535
00:44:15.639 --> 00:44:19.920
much your coverage at dozens of insurance
companies find out now three oh three seven

536
00:44:20.039 --> 00:44:22.679
seven to one help. You'll think
you're his only customer when you choose Frank

537
00:44:22.760 --> 00:44:28.280
durand the real estate Man dot com
to list your home with Remax Alliance three

538
00:44:28.360 --> 00:44:32.760
oh three nine two zero sixteen twenty
two. I'm Tom Martino, you're a

539
00:44:32.800 --> 00:44:38.440
troubleshooter. Hey, you can text
me. I haven't signed into it yet,

540
00:44:38.480 --> 00:44:42.960
but I will and I'll read them
on my Google Voice number as well,

541
00:44:43.000 --> 00:44:45.719
which is seven fourth, seven four, seven nine nine nine fifty two

542
00:44:45.800 --> 00:44:50.480
eighty. I'll get to that in
a second here. And you can also

543
00:44:50.519 --> 00:44:58.000
text me the iHeart texting app which
is five seven seven three nine. And

544
00:44:58.039 --> 00:45:01.920
I have to tell you, man, it is amazing to me that Colorado

545
00:45:02.079 --> 00:45:07.639
makes the top ten lists in all
kinds of bad news stuff. When it

546
00:45:07.639 --> 00:45:10.559
comes to crime, when it comes
to car theF when it comes to drug

547
00:45:10.599 --> 00:45:15.360
overdoses, when it comes to credit
card debt, when it comes to household

548
00:45:15.440 --> 00:45:21.159
incomes, when it comes to difficulty
to save, I mean, you name

549
00:45:21.199 --> 00:45:28.079
it, and we make the top
ten. And yet another one phishing schemes.

550
00:45:28.719 --> 00:45:32.639
I'm not talking about fishing out of
streams for trout, I'm talking about

551
00:45:32.679 --> 00:45:42.639
pH ish. And there are phishing
scams where people get information from residents.

552
00:45:43.159 --> 00:45:50.400
Do you know some of the most
prolific states that fall prey to this again,

553
00:45:51.239 --> 00:45:52.760
you know what's funny. I don't
see any rhyme or reason, but

554
00:45:53.559 --> 00:45:59.400
out of the top ten, Colorado's
number five, that's right, you know.

555
00:46:00.039 --> 00:46:05.360
And I looked at the correlation between
the states that have the top phishing

556
00:46:05.480 --> 00:46:10.840
schemes and scams perpetrated, and the
ones with the highest credit card debt and

557
00:46:10.880 --> 00:46:15.360
the ones where it's most difficult to
save, and all of these things are

558
00:46:15.360 --> 00:46:21.719
hand in hand. If it's difficult
to save money, people fall prey to

559
00:46:21.760 --> 00:46:24.559
scams. The people who fall prey
to scams have terrible credit card debt.

560
00:46:24.760 --> 00:46:31.599
I mean, it's almost like there's
a characteristic a demographic. Now, now,

561
00:46:34.000 --> 00:46:38.400
please don't be offended when I say
this a demographic of a loser.

562
00:46:39.679 --> 00:46:46.199
Now before you go, you know, trying to cancel what I'm saying here.

563
00:46:46.599 --> 00:46:54.400
I'm not talking about income. I'm
not talking about ethnicity, I'm not

564
00:46:54.480 --> 00:47:00.440
talking about religion. I'm not talking
about sex or for that matter, sexual

565
00:47:00.480 --> 00:47:10.559
preference, none of that. What
I'm saying is is that there are losers

566
00:47:10.599 --> 00:47:15.840
in life. Have you ever noticed
that? Really? Have you? Seriously?

567
00:47:15.880 --> 00:47:20.920
Now, I'm not kidding. Have
you ever run into people and they're

568
00:47:20.920 --> 00:47:23.880
always fighting with someone, or they
always are getting ripped off, or they

569
00:47:24.079 --> 00:47:29.360
always have a problem. It could
be with employer, it could be with

570
00:47:29.400 --> 00:47:32.719
something they bought, It could be
with something they sold, it could be,

571
00:47:32.760 --> 00:47:37.079
could be, could be and you're
tired of almost hearing about it,

572
00:47:37.400 --> 00:47:44.440
but they don't put the connection together. That they're the only common denominator between

573
00:47:44.559 --> 00:47:47.800
them and trouble. You don't have
as much trouble as they do. But

574
00:47:47.960 --> 00:47:52.760
seriously, have you known someone like
that? Oh my god, It's like,

575
00:47:52.360 --> 00:47:58.119
what is their trouble? Now?
What's going on? Now? You're

576
00:47:58.119 --> 00:48:00.920
gonna hear it? What's going on
now? And then they tell you,

577
00:48:00.960 --> 00:48:05.760
well, this person here. You
know, I had my LOANDNRA, or

578
00:48:05.800 --> 00:48:07.960
I had I had a guide do
this, or I called about this,

579
00:48:08.159 --> 00:48:13.679
or I went took my car in, or my boss or my manager.

580
00:48:14.239 --> 00:48:17.000
They don't like me, you know. I love that when they think they're

581
00:48:17.039 --> 00:48:24.719
being singled out losers? So what
makes a loser? What makes a loser?

582
00:48:24.920 --> 00:48:30.440
If you had to pick characteristics of
a loser? Come on, my

583
00:48:30.519 --> 00:48:32.239
show is a lot of winners.
So I want to know who are the

584
00:48:32.320 --> 00:48:37.400
losers? Are they listening to this
show? I doubt it. I doubt

585
00:48:37.440 --> 00:48:40.880
a lot of losers listen. Some
do. Most people call for help,

586
00:48:40.920 --> 00:48:45.639
call on a recommendation of one of
my winners. But if we had to

587
00:48:45.719 --> 00:48:50.719
make if By the way, are
we on YouTube now? I don't know.

588
00:48:50.760 --> 00:48:52.960
Did we ever get up on YouTube? We never did, did we?

589
00:48:52.119 --> 00:48:55.280
Because of our broadband? I'm so
Sorry, guys, I know I'm

590
00:48:55.320 --> 00:49:04.119
getting messaged here. But if you
had to make the characteristics of a loser,

591
00:49:05.519 --> 00:49:12.400
okay, I'm gonna give you one
that's generally honest and you got to

592
00:49:12.440 --> 00:49:16.360
look deep. It doesn't necessarily mean
at first blush what you think it means.

593
00:49:17.519 --> 00:49:22.679
Okay, there's I'm gonna give you
a few. What do you think

594
00:49:22.760 --> 00:49:27.760
the first characteristic of a loser is? Go on, dragon? What is

595
00:49:27.800 --> 00:49:35.360
it? The deputy bow? What
is it? And is self esteem?

596
00:49:36.320 --> 00:49:39.840
And they love to be miserable.
They thrive on being missing most self esteem.

597
00:49:40.280 --> 00:49:44.800
I didn't have that on my list. That's a wonderful observation. Dragon.

598
00:49:44.880 --> 00:49:47.599
What do you think somebody who always
thinks everybody else is out to get

599
00:49:47.639 --> 00:49:52.000
them? That's that's right, that's
part of that kind of that you know

600
00:49:52.079 --> 00:49:54.800
that that is now now that victim
mentality? Is that what you meant?

601
00:49:54.800 --> 00:49:59.880
Because that's okay, that's what I
have down. So you're right. And

602
00:50:00.079 --> 00:50:01.639
by the way, that would go
along with those helpless seem I know what

603
00:50:01.679 --> 00:50:07.199
you're saying, bo victim mentality.
You know what else? This is the

604
00:50:07.239 --> 00:50:12.639
first one. Lazy. Now you
may say, oh, no, no,

605
00:50:12.639 --> 00:50:15.760
no, I know people that they're
not necessarily lazy. No, but

606
00:50:15.800 --> 00:50:19.559
they are lazy. You have to
hear what I'm saying. When I say

607
00:50:19.679 --> 00:50:24.920
lazy, I'm saying that they're looking
for an easy way out, or somebody

608
00:50:24.920 --> 00:50:30.079
asks them to do something they don't
want to do. I'm talking that kind

609
00:50:30.119 --> 00:50:37.280
of lazy or lazy in research or
lazy in life. There's more laziness than

610
00:50:37.360 --> 00:50:43.559
just laying around, okay, smoking
dope. You can be a lazy person

611
00:50:43.639 --> 00:50:46.320
and have a job. You do
as the little as possible. You never

612
00:50:46.400 --> 00:50:51.199
look to do more than you need
to, or if you do more,

613
00:50:51.320 --> 00:50:55.840
it's for very specific reasons. And
that goes with the next characteristic of a

614
00:50:55.880 --> 00:51:01.199
loser. We have a victim mentality, we have laziness, and the next

615
00:51:01.199 --> 00:51:08.599
one should be so self apparent,
so so rolling off the tongue, selfish,

616
00:51:09.079 --> 00:51:14.559
selfish. Those are losers. Now
when you think about it, When

617
00:51:14.559 --> 00:51:16.840
you have a friend who comes up
to you at the gym or at work,

618
00:51:17.280 --> 00:51:22.679
the water cooler, or on the
street, or they call you or

619
00:51:22.679 --> 00:51:27.360
they text you and they're always having
problems, they're lazy, they have a

620
00:51:27.440 --> 00:51:32.079
victim mentality, and they're selfish.
Think about it. But there are other

621
00:51:32.199 --> 00:51:36.280
characterists. That's to go deeper than
this. In fact, I'm going to

622
00:51:36.360 --> 00:51:39.800
tell you people, if you're in
business, how to pick a loser and

623
00:51:39.840 --> 00:51:45.039
how to avoid them, because there
are losers, Deputy Bow brought out.

624
00:51:45.440 --> 00:51:49.880
They almost want to be victimized,
or they almost look at themselves as such

625
00:51:49.880 --> 00:51:54.760
a victim that they they're they're they're
almost justified when something goes wrong. It

626
00:51:54.840 --> 00:51:59.000
almost they almost revel in it.
They say, see, I knew,

627
00:51:59.239 --> 00:52:02.760
I knew I was going to get
ripped off, and I'm going to tell

628
00:52:02.760 --> 00:52:06.199
you how to spot them. If
you're in business. Do you know some

629
00:52:06.239 --> 00:52:09.199
of the seminars I do for business
is how to turn down business? Did

630
00:52:09.239 --> 00:52:13.239
you know that? Why would I
ever do that? Well? I generate

631
00:52:13.320 --> 00:52:15.679
leads. That's what I do.
That's what a radio show does. That's

632
00:52:15.719 --> 00:52:17.880
what I do as an endorsement.
What does the lead mean? I tell

633
00:52:17.880 --> 00:52:21.000
you where to go and who to
call, and I do it out of

634
00:52:21.039 --> 00:52:28.320
the honest of god genuine feeling I
have. I mean, I would never

635
00:52:28.480 --> 00:52:32.400
recommend someone I don't truly believe in
or use Okay, that's the truth.

636
00:52:34.280 --> 00:52:37.559
And I don't mean use because I
get it free or I get special deals.

637
00:52:37.599 --> 00:52:42.719
I mean, I would never recommend
anyone that I did not fully believe

638
00:52:42.800 --> 00:52:49.159
in or did myself. But I
generate leads. Now all kinds of people

639
00:52:49.239 --> 00:52:57.920
listen to me and call my advertisers. Now advertisers businesses. They want business,

640
00:52:58.599 --> 00:53:02.719
so they take the calls and try
to do the jobs. Very seldom

641
00:53:05.119 --> 00:53:12.039
do people turned down business. But
there are times you should. There are

642
00:53:12.079 --> 00:53:16.039
times you should. I'll bet you
that if you look at negative reviews,

643
00:53:17.239 --> 00:53:22.320
about half of them are genuine and
should be bad and the company suck.

644
00:53:22.800 --> 00:53:27.639
I think reviews are a great tool
for picking out bad companies, but they're

645
00:53:27.719 --> 00:53:32.719
also a great tool for picking out
bad consumers because the other half of the

646
00:53:32.760 --> 00:53:39.000
bad reviews are just pissed off consumers, and if you get one of them,

647
00:53:39.239 --> 00:53:43.079
no matter what you do to please
them, it's not going to work.

648
00:53:43.280 --> 00:53:46.519
In fact, some of them use
the review process as a blackmail tool.

649
00:53:47.760 --> 00:53:52.599
Give me you know, if you
don't give me a discount, or

650
00:53:52.639 --> 00:53:57.360
if you don't do this, I'm
giving you a bad review. So you

651
00:53:57.440 --> 00:54:00.679
never know if a review is genuine
or not. There are to tell.

652
00:54:00.679 --> 00:54:06.760
But I'm going to go through how
to avoid a problem customer. Okay,

653
00:54:07.079 --> 00:54:13.559
there are different kinds of problem customers, and one thing I can tell you

654
00:54:13.599 --> 00:54:17.199
that no one else can that calls
that people that call themselves consultants. Is

655
00:54:17.199 --> 00:54:22.800
that I'm not talking out of my
ass. What I mean by that is

656
00:54:23.440 --> 00:54:35.360
I have fifty years of listening to
people every single day. There's not one

657
00:54:35.440 --> 00:54:42.599
researcher in the world who has taken
as many consumer complaints and listen to as

658
00:54:42.679 --> 00:54:50.400
many concerns and issues directly as I
have. Just think about it. I

659
00:54:50.440 --> 00:54:52.440
mean, there are good experts out
there, and they have a good they

660
00:54:52.480 --> 00:54:58.559
do some research here and there.
But being on the phone with people or

661
00:54:58.599 --> 00:55:04.159
on email or tech hoists all of
these years tells me something, and I

662
00:55:04.199 --> 00:55:14.119
can spot losers that you should avoid
coming up. Go with a sure thing

663
00:55:14.239 --> 00:55:17.639
Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're

664
00:55:17.679 --> 00:55:24.679
content. Time for an insurance check
up free, no obligation. In comparison,

665
00:55:24.800 --> 00:55:30.679
call Compass Insurance paying too much your
coverage at dozens of insurance companies find

666
00:55:30.679 --> 00:55:32.679
out Now three oh three, seven
to seven to one help. You'll think

667
00:55:32.679 --> 00:55:37.719
you're his only customer When you choose
Frank durand the real estate Man dot com

668
00:55:37.719 --> 00:55:42.400
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

669
00:55:42.440 --> 00:55:50.360
two. Hi Tom Martine, your
troubleshooter three oh three seven one three talks

670
00:55:50.360 --> 00:55:53.480
seven one three eight two five five
how to avoid a problem customer coming up?

671
00:55:53.519 --> 00:55:57.599
But I do want to take callers
as they come in so they don't

672
00:55:57.599 --> 00:56:00.039
have to wait. And then we
also have a guest for Grossman Wellness.

673
00:56:00.119 --> 00:56:04.239
I love these guys, and of
course I'm a patient there, and we'll

674
00:56:04.280 --> 00:56:10.360
talk to doctor John Kelly, and
he's one of the doctors there, and

675
00:56:10.400 --> 00:56:15.880
we're going to talk about wellness as
opposed to chasing sickness. Although they can

676
00:56:15.960 --> 00:56:21.360
chase sickness pretty well, it's better
to do the prevention. And actually,

677
00:56:21.360 --> 00:56:23.559
I don't even like the word prevention. It sounds like we're falling apart at

678
00:56:23.559 --> 00:56:29.119
the seams. It's more of maintenance, maintenance of wellness, right, John,

679
00:56:29.199 --> 00:56:30.840
I mean, doctor, I'm sorry, I don't want to be disrespectful

680
00:56:30.880 --> 00:56:37.159
Doctor Kelly, go ahead, sir, I mean really and truly. You

681
00:56:37.199 --> 00:56:42.719
know, when people say preventive medicine, it does make you feel like you're

682
00:56:42.760 --> 00:56:45.239
on the brink. I don't know. To me, it does. I'd

683
00:56:45.320 --> 00:56:49.679
rather say it's just proactive health.
But sure, sure, yeah, I

684
00:56:49.719 --> 00:56:54.360
mean, I think what we're all
about. Yes, there's absolutely an aspect

685
00:56:54.360 --> 00:56:59.159
of prevention, but you know,
at the end of the day, we

686
00:56:59.199 --> 00:57:02.239
want to make people feel optimally well. Yeah, that's what it gets you

687
00:57:02.280 --> 00:57:08.519
feeling your absolute best. And that's
that's the goal of you know, of

688
00:57:08.639 --> 00:57:13.719
wellness and of being a longevity medicine
clinic is you know, how do we

689
00:57:13.840 --> 00:57:17.360
increase your longevity? But how do
you feel good? Yeah? Exactly right,

690
00:57:17.639 --> 00:57:21.440
and we'll be talking about that anyway. Jeff, what is your question

691
00:57:21.519 --> 00:57:25.679
on car insurance? Jeff? I
guess sure, Okay, right now,

692
00:57:25.679 --> 00:57:30.079
I'm with Progressive paying a ton of
money, so I decided to look around.

693
00:57:30.239 --> 00:57:34.679
Everyone's paying a lot right nowadays.
But go ahead, Well, I'm

694
00:57:34.719 --> 00:57:37.920
paying one hundred and twenty two dollars
a month a month. That's not a

695
00:57:37.920 --> 00:57:40.159
lot, man. What kind of
car, by the way, it's a

696
00:57:40.239 --> 00:57:44.880
two thousand and seven Santa Fe HYNDI. And do you have collision coverage on

697
00:57:44.920 --> 00:57:47.800
that? What kind of coverage you
have? Just standard? What does that

698
00:57:47.840 --> 00:57:52.880
mean? Like like state minimum?
Yeah, state minimum? Like like for

699
00:57:53.000 --> 00:57:59.480
liability you have twenty five fifty yeah, I guess yes. And you have

700
00:57:59.559 --> 00:58:05.119
comprehens for hailstorms and all that.
I don't know if that's in there to

701
00:58:05.199 --> 00:58:09.960
have underinsured or uninsured motorists. You
know, uh, what does that mean?

702
00:58:12.400 --> 00:58:15.119
You know? I mean that's okay, never mind, Okay, I'm

703
00:58:15.199 --> 00:58:16.960
just trying to here. I'm just
trying to get get an idea. But

704
00:58:17.000 --> 00:58:20.440
okay, so go ahead, let's
help you. What's happening. Well,

705
00:58:20.480 --> 00:58:22.840
I went to State Farm. I
had a talk with a guy. Worst

706
00:58:22.880 --> 00:58:28.559
company, worst company in the world. Is it really one of them?

707
00:58:28.760 --> 00:58:31.760
Well? He gave you a quote
for seventy seven dollars? Okay, Well,

708
00:58:31.880 --> 00:58:36.559
is it the same coverage? Jam, Listen, it's all in the

709
00:58:36.599 --> 00:58:39.360
math. Is it the same coverage? It's a state minimum, which I

710
00:58:39.480 --> 00:58:44.039
figured is the same as well.
I understand, But there are other components.

711
00:58:44.320 --> 00:58:47.519
First of all, the amount of
deductibles. There are so many components

712
00:58:47.960 --> 00:58:52.800
to here. Here's how you can
tell, Jeff, I can tell you're

713
00:58:52.960 --> 00:58:54.559
you're not too hip to insurance.
So let me just tell you this,

714
00:58:54.760 --> 00:58:58.639
And I don't mean to insult you. No, No, there's nothing.

715
00:58:59.800 --> 00:59:07.920
There is something on your progressive policy
called a declarations page. Okay, it's

716
00:59:07.960 --> 00:59:13.199
usually the first page or second.
It's called a dex page or declarations page.

717
00:59:13.719 --> 00:59:20.000
It's a summary of coverage, and
it'll have the coverage you have and

718
00:59:20.039 --> 00:59:23.559
the amounts of coverage. It'll stay
comprehensive. This much, medpay this much,

719
00:59:24.760 --> 00:59:30.639
uh, liability this much, and
the liability is expressed in two numbers.

720
00:59:30.559 --> 00:59:36.000
One is per I believe, per
person. The next one is per

721
00:59:36.079 --> 00:59:40.559
accident. So it's like a slash. But anyway, you take that declarations

722
00:59:40.639 --> 00:59:46.360
page and you compare apples with apples. Now, you can upgrade your coverage

723
00:59:46.400 --> 00:59:51.400
if you want, but you have
to know what you're getting if someone offers

724
00:59:51.440 --> 00:59:57.239
you if you're paying one twenty two
now with Progressive and someone offers you eighty

725
00:59:57.360 --> 01:00:00.199
dollars or seventy seven dollars, it
could be a great deal. Well,

726
01:00:00.639 --> 01:00:02.639
if you're getting a sad One of
that is I'm a low vileage customer.

727
01:00:02.679 --> 01:00:09.000
I'm disabled and I rarely drive,
So he was factoring that into it also,

728
01:00:09.800 --> 01:00:14.719
And why doesn't Progressive factor that in? Yeah, I'm just gonna she's

729
01:00:14.719 --> 01:00:16.920
supposed to be calling me back because
I called them. Well, you're doing

730
01:00:16.960 --> 01:00:21.519
the right thing. You're doing the
right thing, except you're not comparing coverage.

731
01:00:21.559 --> 01:00:25.719
Is stay minimum Z? What's that
what Sha'll do? Because yeah,

732
01:00:25.840 --> 01:00:29.719
uh, I should have been.
Just do that and do me another favor.

733
01:00:30.119 --> 01:00:31.599
Do me another favor. I want
you to call another place to get

734
01:00:31.599 --> 01:00:37.920
a quote. Now, I will
tell you it is likely they won't be

735
01:00:37.960 --> 01:00:42.880
able to help you because you know
you may not be a candidate for them.

736
01:00:43.320 --> 01:00:47.239
But but it's Compass Insurance Group.
Now the reason and well, here's

737
01:00:47.239 --> 01:00:52.719
what I love about Compass when and
about what you're doing. Even without Compass,

738
01:00:52.119 --> 01:00:58.000
you're comparing. So if they say
they can do it cheaper, they

739
01:00:58.079 --> 01:01:00.239
got to be able to do it
cheaper. And if they can't, then

740
01:01:00.239 --> 01:01:06.159
they're liars. I mean even you
know the difference between seventy seven dollars a

741
01:01:06.159 --> 01:01:07.599
month and one hundred and twenty two
dollars a month. So it's easy.

742
01:01:07.920 --> 01:01:12.360
That's what I like. If you
have the same coverage, you compare price.

743
01:01:12.760 --> 01:01:15.039
Then once you get the price you
want, if you want to add

744
01:01:15.039 --> 01:01:19.920
coverage, go ahead because you know
the company's already value. So so here's

745
01:01:19.960 --> 01:01:27.760
Compass three ZHO three nine nine thousand, Okay. So what you say to

746
01:01:27.800 --> 01:01:31.880
them is you want to get an
it's called an insurance checkup, okay,

747
01:01:32.679 --> 01:01:37.360
okay, And then they'll give you
an honest assessment and it could be,

748
01:01:37.519 --> 01:01:43.000
by the way, there are times
that all State or Farmers or State Farm,

749
01:01:43.039 --> 01:01:46.719
all the sucky ones our American family. It could be there are times

750
01:01:47.119 --> 01:01:52.920
that these companies have pretty good prices. Okay, now here's one of the

751
01:01:52.960 --> 01:01:58.119
main reasons I called Yes. Now, when I called Progressive, They're like,

752
01:01:58.199 --> 01:02:01.679
well, you're on a six month
contract. If you cancel, you

753
01:02:01.719 --> 01:02:06.440
could owe the remaining months on your
six month contract. Well, what are

754
01:02:06.440 --> 01:02:08.960
you talking. They're not gonna You're
not gonna owe it without getting the coverage

755
01:02:08.960 --> 01:02:15.800
for it. I don't know of
any I don't know of any non cancelable

756
01:02:15.880 --> 01:02:20.239
insurance. But you know what I
think Compass deals with Progressive. I'm gonna

757
01:02:20.239 --> 01:02:23.719
ask him. Hold on, don't
hang up, Kelly. Let's uh,

758
01:02:23.880 --> 01:02:30.000
let's get Compass on to talk about
that. Okay, Amy has an issue

759
01:02:30.960 --> 01:02:36.199
getting reimbursed for home schooling supplies.
We'll talk about that and more coming up.

760
01:02:42.440 --> 01:02:45.480
Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You

761
01:02:45.519 --> 01:02:52.559
don't pay a cent until you're content. Time for an insurance check up free,

762
01:02:52.639 --> 01:02:58.159
no obligation. In comparison, call
Compass insurance paying too much your coverage

763
01:02:58.159 --> 01:03:00.760
at dozens of insurance companies find out
now three oh three, seven to seven

764
01:03:00.800 --> 01:03:05.559
to one. Help You'll think you're
his only customer when you choose Frank durand

765
01:03:05.559 --> 01:03:08.960
the real estate man dot com to
list your home with Remax Alliance three oh

766
01:03:09.039 --> 01:03:21.039
three nine two zero sixteen twenty two. Hi Tom Martine here three three seven

767
01:03:21.079 --> 01:03:25.199
on three talks seven one three eight
two five five. So let's see.

768
01:03:25.199 --> 01:03:30.480
I think I I I hope I
answered all his questions on, Jeff,

769
01:03:30.480 --> 01:03:32.280
do you have any other insurance questions? I think I answered them all.

770
01:03:32.280 --> 01:03:35.760
Oh, no, we're gonna get
Brian on one other question. You're right,

771
01:03:36.119 --> 01:03:39.440
hey, Brian Burns, Now I
know why he's hung on with Compass

772
01:03:39.480 --> 01:03:45.360
Insurance Group. A really quick question
here. Yeah, this guy has Progressive

773
01:03:45.360 --> 01:03:49.280
insurance and he was told of he
cancels, he has to pay the balance

774
01:03:49.280 --> 01:03:52.800
of his contract because it's a six
month deal. Is that right? No,

775
01:03:53.079 --> 01:03:57.840
they're pro rated. So and this
is a personal line policy, not

776
01:03:57.880 --> 01:04:00.880
a commercial line. Correct, not
commercial it's car He's yeah, he's listening

777
01:04:00.960 --> 01:04:05.119
right now, Jeff. Yeah,
there could be some kind of penalty if

778
01:04:05.119 --> 01:04:09.079
he got a painfull rate, that
they might give him some kind of penalty.

779
01:04:09.079 --> 01:04:12.760
But absolutely not It's not like he
has agreed to pay six months and

780
01:04:12.800 --> 01:04:16.039
that's all he can do is stay
through six months. The insurance commissioner has

781
01:04:16.079 --> 01:04:23.519
made sure that that customers in this
state do get pro rated portions back.

782
01:04:24.440 --> 01:04:28.000
So really, Jeff, they're not
telling you the truth there, Progressive,

783
01:04:28.199 --> 01:04:31.559
who are you dealing with? That? Progressive a progressive person or a broker

784
01:04:32.440 --> 01:04:41.000
a broker insurance they're called what affordable
insurance? Yeah, well, Aurora,

785
01:04:41.079 --> 01:04:45.719
Colorado. Yeah, well, listen, you're you're you got bad information there.

786
01:04:45.760 --> 01:04:49.519
There, there's no you're you're not
required to keep your personal line insurance

787
01:04:49.559 --> 01:04:53.760
for the period of time that you
have signed up for. That's not true,

788
01:04:54.559 --> 01:04:59.960
Okay, but they might charge me
fifty bucks ors lething for if they're

789
01:05:00.440 --> 01:05:03.639
you know, Progressive is just one
of those strange companies that can give you

790
01:05:03.679 --> 01:05:06.760
a little bit of a short rate
on it if by chance, it's been

791
01:05:06.800 --> 01:05:11.239
paid in full and they're trying to
give you back a pro rated portion.

792
01:05:11.519 --> 01:05:14.960
He's paying by the month, he's
paid by the month. Anyway. Yeah,

793
01:05:15.039 --> 01:05:16.519
I don't think. I don't think
you're going to have anything other than

794
01:05:16.519 --> 01:05:21.039
what you have owed. You're going
to owe the portion of the insurance that

795
01:05:21.079 --> 01:05:28.119
you have used. Okay, yeah, and listen what he's talking about short

796
01:05:28.199 --> 01:05:32.360
rating. Let's say they give you
let's say they give you a rate for

797
01:05:32.400 --> 01:05:36.280
an annual insurance premium. I'm just
going to take a number that doesn't matter,

798
01:05:36.320 --> 01:05:42.119
but like five hundred, and that's
a discounted rate because you signed a

799
01:05:42.199 --> 01:05:46.199
year's contract and then you cancel after
three months. So now they might just

800
01:05:46.440 --> 01:05:51.519
charge you for three months, which
might be higher than if you divide the

801
01:05:51.559 --> 01:05:56.800
five hundred by twelve months and then
multiply that by three. Right, Brian,

802
01:05:56.840 --> 01:06:00.280
So you've got it said, exactly
right, exactly right. If you're

803
01:06:00.280 --> 01:06:01.960
buying it by the month, it'll
be a little higher. And that's the

804
01:06:02.039 --> 01:06:04.960
rate they're going to charge you.
If he's already paying by the month.

805
01:06:05.679 --> 01:06:10.000
I doubt there's going to be much
of a difference when you can be negated,

806
01:06:10.039 --> 01:06:13.119
that's right. That's not really that
discount that's in there. Commercially,

807
01:06:13.159 --> 01:06:17.039
it's a different world. You can
get charged for greater portions. There's a

808
01:06:17.039 --> 01:06:21.599
greater short rate twenty five percent minimum
earned premium. That's just not the world

809
01:06:21.639 --> 01:06:25.719
you live in with admitted carriers in
the personal line. All right, thank

810
01:06:25.760 --> 01:06:30.519
you, that's compass Insurance Group three
oh three nine nine six nine thousand.

811
01:06:30.559 --> 01:06:35.199
Three oh three nine nine six nine
thousand for your free insurance checkup. Doctor

812
01:06:35.440 --> 01:06:40.559
h. Kelly's with us from Grossman
Wellness. He's gonna be our guests coming

813
01:06:40.639 --> 01:06:43.480
up in the next hour and the
rest of the show as well. If

814
01:06:43.480 --> 01:06:47.000
you have any questions, give him
a call, doctor Kelly. I always

815
01:06:47.000 --> 01:06:49.480
say this because I do. You
know, as part of the program,

816
01:06:49.599 --> 01:06:54.840
you do blood work every three months, and I say that's cool because not

817
01:06:55.239 --> 01:06:59.880
much unmanageable can happen in three months. Is that about true or me?

818
01:07:00.360 --> 01:07:03.920
Can't you catch almost anything if you
keep doing stuff every three months? Yeah?

819
01:07:04.000 --> 01:07:10.559
I think getting consistent blood work is
really important, especially if you're doing

820
01:07:10.760 --> 01:07:14.239
because you can see a trend immediately, right Oh yeah, yeah, yeah,

821
01:07:14.679 --> 01:07:18.239
you know if you find something on
a prostate marker for example, Yeah,

822
01:07:18.280 --> 01:07:21.440
you know, you can catch it
and that's you know that again back

823
01:07:21.480 --> 01:07:26.639
to your dreaded word prevention. No, it's not dread but part of that.

824
01:07:26.800 --> 01:07:29.119
It is part of prevention, yes, it is, for sure.

825
01:07:29.159 --> 01:07:33.719
And so what you're doing is you're
getting a snapshot every three months and you

826
01:07:33.800 --> 01:07:39.239
see trends, whereas if you go
once a year, you could. I've

827
01:07:39.280 --> 01:07:44.599
had friends who had a normal PSA, which is the prostate marker, yeah,

828
01:07:44.639 --> 01:07:48.480
on their physical and the following year
it was sky high. Yeah,

829
01:07:48.480 --> 01:07:53.199
and they had cancer. Yeah.
I mean I'm not you know, we're

830
01:07:53.239 --> 01:07:56.679
not saying yearly things are not good. Of course they're better than not.

831
01:07:58.039 --> 01:08:01.239
But but every three months, and
you know, that's just a way of

832
01:08:02.320 --> 01:08:06.079
looking at your body. And then
the most important thing, it helps you

833
01:08:06.199 --> 01:08:12.880
monitor the supplements because some people blindly, I often wonder they take supplements.

834
01:08:12.920 --> 01:08:15.119
They don't know what they do for
sure, they don't know if the supplements

835
01:08:15.119 --> 01:08:18.319
are if they even need them for
sure. I mean, that's one of

836
01:08:18.359 --> 01:08:21.680
the craziest things. Anyway, we
have more coming up. I'm Tom Martinez

837
01:08:21.920 --> 01:08:26.239
and then Amy. I'll take you
right after the break. Go with a

838
01:08:26.279 --> 01:08:30.640
sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent

839
01:08:30.840 --> 01:08:36.720
until you're contenth time for an insurance
check up free, no obligation. In

840
01:08:36.760 --> 01:08:43.079
comparison, call Compass insurance paying too
much your coverage at dozens of insurance companies.

841
01:08:43.159 --> 01:08:45.359
Find out now three all three seven
seven to one help. You'll think

842
01:08:45.399 --> 01:08:49.399
you're his only customer when you choose
Frank durand the real estate man dot Com

843
01:08:49.439 --> 01:08:55.119
to list your home with Remax Alliance
three all three nine two zero sixteen twenty

844
01:08:55.119 --> 01:09:13.359
two ripped so you don't have run
into sas again. Shooter's gonna help.

845
01:09:13.680 --> 01:09:21.239
Come Dix is the Troubleshooter Show.
No, Tom Martino, Hi, I'm

846
01:09:21.279 --> 01:09:26.279
Tom Martino. Welcome to the show. Three O three seven one three talk

847
01:09:26.920 --> 01:09:30.439
three oh three seven one three eight
two five five is my number. We

848
01:09:30.520 --> 01:09:33.640
have a medical guest today. If
you have any questions, that will be

849
01:09:33.680 --> 01:09:38.520
cool. And then I'm gonna go
to Amy who's been waiting, and then

850
01:09:38.600 --> 01:09:45.159
we go back and talk to Grossman
Wellness dot Com and Amy. What's happening?

851
01:09:46.720 --> 01:09:50.920
Ah? Yes, we've joined My
Tech Hi at the beginning of the

852
01:09:51.039 --> 01:09:56.800
school year last year, and one
of the reasons we joined was because they

853
01:09:56.880 --> 01:10:00.800
reimburse some of your school supplies.
There was a problem. And what's the

854
01:10:00.880 --> 01:10:06.279
name of the program, My Tech
High, My Tech High Okay, yes,

855
01:10:06.560 --> 01:10:12.479
and that's your kids homeschooling for high
school, well, middle school,

856
01:10:12.479 --> 01:10:16.479
in high school okay, in eighth
grade okay. So you enrolled your son

857
01:10:17.000 --> 01:10:26.279
in My Tech High correct, Okay, and keep going. And we were

858
01:10:26.319 --> 01:10:31.119
told that the reimbursement period closed on
the second. So somewhere around April twenty

859
01:10:31.119 --> 01:10:35.960
sixth or twenty seventh, I sent
in all the receipts to be reimbursed.

860
01:10:36.079 --> 01:10:44.039
And who was actually doing the reimbursing
my tech High Oh okay, and why

861
01:10:44.079 --> 01:10:48.279
do they do that? I don't
know, I guess just like an incentive,

862
01:10:48.439 --> 01:10:55.800
an incentive, And what exactly are
they reimbursing. They're reimbursing books.

863
01:10:56.279 --> 01:10:59.439
They have a whole list of stuff. Okay, So it's kind of an

864
01:10:59.439 --> 01:11:02.720
incentive to get you to sign up. Yeah, and you have you required

865
01:11:02.720 --> 01:11:06.199
to take so many courses through them. With us it's four courses. You

866
01:11:06.319 --> 01:11:10.560
have to check in once a week
to make sure that the kids are doing

867
01:11:10.600 --> 01:11:15.439
their work. Okay. So so
now talk about those deadlines and what happened

868
01:11:15.479 --> 01:11:19.159
to you. Okay. So May
second was the deadline. I sent in

869
01:11:19.199 --> 01:11:26.159
all the receipts on April twenty ninth. I have now you send in receipts

870
01:11:26.159 --> 01:11:30.159
through their website, through the my
tech high site. So I have no

871
01:11:30.239 --> 01:11:33.840
way of proving that I sent them
in. Are they denying that you sent

872
01:11:33.960 --> 01:11:38.520
them in? They're denying I sent
them in, And I have an email

873
01:11:38.560 --> 01:11:42.640
on the twenty ninth, saying I
sent them in were there any problems,

874
01:11:42.880 --> 01:11:45.119
If so, let me know so
I can fix it. I never heard

875
01:11:45.199 --> 01:11:48.479
back. So on the second I
sent another one and they said, well,

876
01:11:48.479 --> 01:11:53.640
here's our reimbursement process. If there's
a problem, we will contact you.

877
01:11:54.119 --> 01:11:56.560
Okay, then what happened? I
get it? I get it.

878
01:11:56.880 --> 01:12:00.640
So then what happens nothing? I
never heard back. And when I contacted

879
01:12:00.680 --> 01:12:02.800
them again last week, they said, oh, we're sorry, we never

880
01:12:02.840 --> 01:12:05.720
got it. The reimbursement period is
closed. There's nothing you can do.

881
01:12:09.399 --> 01:12:15.800
And how much were you expecting about
eight hundred dollars that's no small amount.

882
01:12:15.760 --> 01:12:21.199
Yeah, and it was not just
books though, right, No, it

883
01:12:21.239 --> 01:12:25.720
wasn't just books. But we stuck
to their list that you know, they

884
01:12:25.760 --> 01:12:32.399
give you a gym membership to qualify
for gym class. Now they said they

885
01:12:32.520 --> 01:12:36.840
never got it. That's that's just
their explanation. And it was supposed to

886
01:12:36.840 --> 01:12:41.199
be done by the deadline. It's
that simple. I mean, I wonder,

887
01:12:41.319 --> 01:12:44.840
here's what I wonder, are they
actually doing this to a lot of

888
01:12:44.880 --> 01:12:47.600
people? Did you go online to
see if you could find other victims.

889
01:12:48.640 --> 01:12:54.760
I went on to their Facebook website
and I put something out there asking if

890
01:12:54.800 --> 01:12:58.279
anybody else had because that's the only
strength we're going to have. I mean,

891
01:12:58.359 --> 01:13:00.760
obviously, if they did it to
you, they would do it to

892
01:13:00.840 --> 01:13:03.600
others. They're not just going to
do it to you over eight hundred bucks.

893
01:13:04.199 --> 01:13:09.520
But right I'm wondering what the alternative
is the fact that you emailed them

894
01:13:09.520 --> 01:13:14.479
that day saying I just sent the
packet. How did you send the packet?

895
01:13:15.479 --> 01:13:17.479
You have to send it. You
have to upload it to their website.

896
01:13:17.520 --> 01:13:21.760
You go into the parent link and
upload a PDF file, which I

897
01:13:21.800 --> 01:13:27.560
did, okay, And did you
verify it was there? Yeah? I

898
01:13:27.600 --> 01:13:30.840
looked on their parent link and it
showed that they had gotten it and that

899
01:13:30.920 --> 01:13:34.640
it was pinny. Can you log
onto that parent link? I can,

900
01:13:34.720 --> 01:13:40.359
but it's not there anymore. It
disappeared off their site. Your documents,

901
01:13:40.680 --> 01:13:45.720
yes, how many documents? It
was just one? And it okay?

902
01:13:45.960 --> 01:13:50.399
So the day you loaded you uploaded
it. Could you look at it online?

903
01:13:50.880 --> 01:13:57.079
It was on there? It was
on their site. Yes, godly,

904
01:13:57.399 --> 01:13:59.880
I wish i'd had a screenshot of
that if I had thought ahead,

905
01:14:00.159 --> 01:14:06.439
yeah, or something right? Something
and that I mean, did you try

906
01:14:06.479 --> 01:14:10.079
talking to someone above that? Per
I mean, they're just going to flat

907
01:14:10.119 --> 01:14:14.520
out deny it. Yeah. I
finally got a phone number from them,

908
01:14:14.760 --> 01:14:16.840
because you can only talk to their
email. I called them every day for

909
01:14:16.920 --> 01:14:20.439
a week before they returned a call, and they finally returned to call and

910
01:14:20.479 --> 01:14:25.199
basically tell me the same thing.
How much did you? How much is

911
01:14:25.239 --> 01:14:30.640
the uh? How much is it
to join them? It's free the school?

912
01:14:30.560 --> 01:14:34.760
Yes? How can the school be
free? I guess it's state supported,

913
01:14:35.720 --> 01:14:40.640
State of Colorado, State of Colorado. They're in three states. You

914
01:14:40.720 --> 01:14:45.600
talk Colorado and I think Oregon.
And is this spelled tech te c h

915
01:14:45.600 --> 01:14:50.880
yes, my tech And what's the
website mytech hi dot com or what correct?

916
01:14:51.439 --> 01:14:56.039
I'm going to look at it.
I've never heard of such a thing.

917
01:14:56.520 --> 01:15:00.159
So I wonder if they got paid. They got paid by you guys,

918
01:15:00.199 --> 01:15:03.479
and they see they do the math. Here's what they're thinking. If

919
01:15:03.520 --> 01:15:06.520
they get paid per head by this, you know, like a school does.

920
01:15:08.079 --> 01:15:10.640
I don't know they do. But
let's say they get paid for that

921
01:15:10.720 --> 01:15:15.199
by the head, and then they
figure they rebate some expenses, they'll still

922
01:15:15.239 --> 01:15:23.840
make money because the school reimbursement rate's
not bad. And is this considered then

923
01:15:24.399 --> 01:15:30.479
a legit school? Well, it
meets the homeschooling requirements as an umbrella school,

924
01:15:30.479 --> 01:15:33.840
so we don't have to send in
a notice of intent to our local

925
01:15:34.199 --> 01:15:39.880
school board. You just go.
You just sign up through them because you

926
01:15:39.920 --> 01:15:44.000
have a homeroom and a homeroom teacher. You check in every week. In

927
01:15:44.039 --> 01:15:49.439
October it's the school head count day, so they make you do extra jumps

928
01:15:49.880 --> 01:15:55.039
through extra hoops in October so that
they make sure that your kid is counted

929
01:15:55.159 --> 01:16:00.079
in October with every other student.
I wonder if there's a way, I

930
01:16:00.079 --> 01:16:04.880
mean, there's a record on their
server of an upload, I would think,

931
01:16:05.479 --> 01:16:10.359
but not if they deleted it.
But see, we would just have

932
01:16:10.439 --> 01:16:15.439
to find other people this happened to. It's gonna hold no weight one complaint.

933
01:16:15.920 --> 01:16:18.680
I mean it might we can.
They're simply going to say you never

934
01:16:19.039 --> 01:16:23.560
did. They refuse to believe you. Did they did they listen to your

935
01:16:23.600 --> 01:16:27.960
story at all? They did well, they at least they responded to all

936
01:16:27.960 --> 01:16:30.239
the emails. And what did they
say? They said, I'm sorry,

937
01:16:30.279 --> 01:16:34.600
we can't find it. Pretty much, that's just they said, we don't

938
01:16:34.600 --> 01:16:39.479
have any record of it. And
I asked them, why would I call

939
01:16:39.560 --> 01:16:42.920
you on the twenty or why would
I send an email on the twenty ninth,

940
01:16:43.119 --> 01:16:45.199
asking if you received it? Did
they get that email? Send it

941
01:16:45.239 --> 01:16:49.640
in? Did they get did they
acknowledge that? Does they do they acknowledge

942
01:16:49.680 --> 01:16:54.439
the email you sent on the twenty
ninth? No, well, yeah,

943
01:16:54.439 --> 01:17:00.279
I got a standard auto response.
So on the second they sent me an

944
01:17:00.319 --> 01:17:05.359
actual letter telling me that it takes
fourteen business days to process and that they

945
01:17:05.399 --> 01:17:09.119
had a lot of people and so
they would take them in the order in

946
01:17:09.159 --> 01:17:15.439
which they were received. So that's
was that like an acknowledgment that you sent

947
01:17:15.560 --> 01:17:19.039
it? Did they say, I
mean that sounds weird you would get a

948
01:17:19.079 --> 01:17:24.800
letter like that. Yeah, you
know. I was asking if they received

949
01:17:24.800 --> 01:17:28.039
it and if there was anything else
that they needed. I said, I'm

950
01:17:28.079 --> 01:17:30.039
new to my Tech High. This
is our first year. I said,

951
01:17:30.159 --> 01:17:33.680
what you know? Did you get
it? And is there anything else?

952
01:17:33.920 --> 01:17:38.079
And this was just a response for
that. BOK, go ahead, you

953
01:17:38.079 --> 01:17:42.119
got a comment. So, caller, did you actually talk to a human

954
01:17:42.199 --> 01:17:45.800
being at this school or is that
all done? You did? Yes,

955
01:17:45.880 --> 01:17:49.600
it took me a week to have
calling. I'm looking at my Tech High.

956
01:17:49.720 --> 01:17:54.239
They don't have good ratings, that's
Pauler. You might want to just

957
01:17:54.279 --> 01:17:56.920
go to the school, take a
drive. Oh well, no, No,

958
01:17:57.039 --> 01:17:59.640
this is not a regular school.
This is not a brick and mortar

959
01:17:59.680 --> 01:18:02.600
school. Correct. I can't just
go there. I would love to.

960
01:18:03.000 --> 01:18:08.560
Now I see the Utah, Oregon. I don't see the Colorado here.

961
01:18:10.279 --> 01:18:15.960
They might have removed Colorado this year
because Colorado has now decided they don't want

962
01:18:15.960 --> 01:18:20.600
to support homeschooling at all. So
there was a big thing at the capitol

963
01:18:20.760 --> 01:18:26.960
in January February saying Colorado is going
to pull all state funding for any homeschoolers

964
01:18:27.000 --> 01:18:30.039
whatsoever. So if you want a
homeschool your kids, you got to do

965
01:18:30.079 --> 01:18:32.079
it one hundred percent out of pocket. So I don't know if you're going

966
01:18:32.119 --> 01:18:35.600
to be allowed to sign up for
their school this coming year. Yeah,

967
01:18:35.680 --> 01:18:40.479
I don't see where you can,
Tom, I can't make a call over

968
01:18:40.560 --> 01:18:45.000
to the school. Maybe coming from
where is it located physically? I mean

969
01:18:45.039 --> 01:18:46.960
I know that they're an online school, but do you know where they're located?

970
01:18:47.920 --> 01:18:51.760
No? Not really. The number
that came in was from California.

971
01:18:53.560 --> 01:18:57.520
I don't know if that's where they're
located, though it could be. Yeah,

972
01:18:58.039 --> 01:19:00.119
did you go to my tech high
dot Com? No? I haven't.

973
01:19:00.399 --> 01:19:03.680
If you go there, it tells
you how it works. Let's just

974
01:19:03.720 --> 01:19:09.600
see hold on. I can peruse
on there and send a couple of years.

975
01:19:09.640 --> 01:19:12.920
But I like calling people. I'd
like to just call on your behalf.

976
01:19:13.680 --> 01:19:15.800
Yeah, let's just try it.
Hold on a sec. We'll see

977
01:19:15.840 --> 01:19:18.479
what if we can shake them up
a bit. I mean, I agree

978
01:19:18.520 --> 01:19:21.840
with you. Why would you write
to them asking them if there's anything else

979
01:19:21.880 --> 01:19:26.520
you need to do? To me, that just sounds jacked that they would

980
01:19:26.560 --> 01:19:30.840
put you through this, especially because
you bothered to call. You have proof

981
01:19:30.880 --> 01:19:34.520
your kid went there? You have, you know, I mean, why

982
01:19:34.560 --> 01:19:40.640
would you lie about that? And
I'm wondering if we go online, how

983
01:19:40.680 --> 01:19:45.199
many other people complain about it?
I wonder if other people are involved.

984
01:19:50.000 --> 01:19:55.279
Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't

985
01:19:55.279 --> 01:20:01.119
pay a cent until you're content.
Time for an insurance check up free,

986
01:20:01.199 --> 01:20:05.880
no obligation. In comparison, call
Compass Insurance paying too much your coverage at

987
01:20:05.880 --> 01:20:10.600
dozens of insurance companies find out now
three all three, seven seven to one

988
01:20:10.720 --> 01:20:14.359
help. You'll think you're his only
customer When you choose Frank durand the real

989
01:20:14.439 --> 01:20:18.039
estate Man dot com to list your
home with Remax alliance three oh three nine

990
01:20:18.039 --> 01:20:26.680
two zero sixteen twenty two. Hi, Tom Martino, you're a troubleshooter three

991
01:20:26.760 --> 01:20:30.920
O three seven one three talks seven
one three eight two five five. So

992
01:20:30.199 --> 01:20:33.159
we're gonna, uh, well,
we're gonna give this call a school,

993
01:20:33.479 --> 01:20:39.840
this this call, this school a
call and try to help out. Now,

994
01:20:40.399 --> 01:20:45.159
I mentioned the signs of a loser, lazy, victim, mentality,

995
01:20:45.960 --> 01:20:54.199
selfish, and I said I was
gonna tell businesses avoid a problem customer.

996
01:20:55.720 --> 01:21:00.279
Now you have to understand something.
There are good customers who add ask a

997
01:21:00.319 --> 01:21:03.920
lot of questions, right there are
wonderful, wonderful and they want to be

998
01:21:03.960 --> 01:21:12.800
informed. And partially the more questions
they ask means the poor poor job you're

999
01:21:12.800 --> 01:21:17.000
doing explaining things. But invite questions, you want those. But the type

1000
01:21:17.000 --> 01:21:23.920
of questions they ask is where you
know you have a problem customer. There's

1001
01:21:23.960 --> 01:21:28.840
nothing wrong with people wanting to know
the cost of something for sure, right

1002
01:21:29.399 --> 01:21:33.279
and what they get for the money, and that should be readily available anyway

1003
01:21:33.359 --> 01:21:39.279
up front. But when they want
to know what you're making on something,

1004
01:21:39.319 --> 01:21:44.399
that is a red flag. Frankly, it's another business what you're making.

1005
01:21:45.680 --> 01:21:49.760
But that is truly one of the
things that comes up with a poison customer,

1006
01:21:50.279 --> 01:21:56.039
Hey, what are you making on
this? Or what's the spread?

1007
01:21:56.119 --> 01:21:58.840
Or I can or they say things
like this, well, I can buy

1008
01:21:58.880 --> 01:22:03.920
that for you know, one hundred
dollars at home depot. See, but

1009
01:22:04.000 --> 01:22:08.600
they don't have the insurance and the
overhead and all the other stuff that goes

1010
01:22:08.600 --> 01:22:11.640
along with the business. We won't
get into that. So when they start

1011
01:22:11.680 --> 01:22:15.199
talking about that what they can do
on their own, or how much you're

1012
01:22:15.239 --> 01:22:18.520
making, or they know someone else
who had it done for this or this

1013
01:22:18.640 --> 01:22:25.279
or this, it is absolutely a
no win situation, a no win situation,

1014
01:22:26.840 --> 01:22:30.840
or when a customer who doesn't know
what they're talking about. There are

1015
01:22:30.880 --> 01:22:34.039
some that do know what they're talking
about, okay, But most of the

1016
01:22:34.119 --> 01:22:41.600
time, when you have a customer
who's trying to tell you how to do

1017
01:22:41.720 --> 01:22:46.439
it when you know it's wrong,
rather than argue with them and try to

1018
01:22:46.479 --> 01:22:50.319
win the argument, because if you
do, that'll come back to haunt you.

1019
01:22:50.800 --> 01:22:56.039
So here's what happens. If they
think they know better, don't do

1020
01:22:56.119 --> 01:23:00.840
the job and don't do it their
way if you don't think it's the right

1021
01:23:00.880 --> 01:23:05.560
way, even if they want it
that way, because you will be blamed.

1022
01:23:06.880 --> 01:23:12.319
So if they think they know more
than you or know exactly how they

1023
01:23:12.479 --> 01:23:17.640
want it done, and you know
it's not the proper way, don't fall

1024
01:23:17.720 --> 01:23:26.520
for that trap. It'll never you
will never win. Here's another surefire sign,

1025
01:23:26.960 --> 01:23:30.840
and this one should be pretty obvious. They tell you about all the

1026
01:23:30.960 --> 01:23:36.840
nightmares they had with people in their
home. Why had one guy tried to

1027
01:23:36.840 --> 01:23:40.479
do this? And then I was
ripped off one time a few years ago

1028
01:23:40.520 --> 01:23:43.319
by this fence builder. And then
I had a guy pour my driveway and

1029
01:23:43.359 --> 01:23:47.079
he sucked. Okay, come on, you know what I'm talking about.

1030
01:23:48.119 --> 01:23:51.680
As soon as they start talking about
other people and how bad they did,

1031
01:23:53.680 --> 01:23:57.720
that is a red flag. You
need to know red flags. People.

1032
01:23:58.680 --> 01:24:04.119
These red flags will keep from getting
into trouble. It's better to not take

1033
01:24:04.159 --> 01:24:10.319
a customer that's the problem than to
try to please them. Now, remember

1034
01:24:11.000 --> 01:24:15.760
there are consumers who will have suggestions
on how they want things done or questions.

1035
01:24:15.199 --> 01:24:18.560
That's not what I'm talking about.
And I think you know the difference.

1036
01:24:18.680 --> 01:24:25.680
What I think you've in fact encountered
people like I'm explaining, and you

1037
01:24:25.760 --> 01:24:31.399
know exactly what I'm talking about.
All right, let me check my my

1038
01:24:31.640 --> 01:24:40.520
texts and we have one for the
doc. All right, so what with

1039
01:24:40.640 --> 01:24:46.159
a blood test? They want to
know how important is an actual physical And

1040
01:24:46.880 --> 01:24:55.680
I've often wondered because I've had doctors
tell me that hands on physicals only if

1041
01:24:55.680 --> 01:25:00.760
you have that. They're only really
really really necessary if you have symptoms or

1042
01:25:00.880 --> 01:25:02.680
lumps or something like that. I
don't know, but I don't know.

1043
01:25:02.720 --> 01:25:06.199
I'm not trying to put words in
your mouth. When is a physical examined?

1044
01:25:06.279 --> 01:25:10.039
Port? Yeah, I kind of
feel the same way. I mean,

1045
01:25:10.399 --> 01:25:15.880
when you do it as a routine, you almost never find anything.

1046
01:25:15.239 --> 01:25:18.720
Yeah, I mean, you know
it is. It is a little bit

1047
01:25:18.720 --> 01:25:24.079
gratuitous sometimes, but certainly it's really
to make the patient feel good. Yeah.

1048
01:25:24.439 --> 01:25:29.039
So and when you do that little
tap tap on my legs and make

1049
01:25:29.119 --> 01:25:31.000
them jump, why are you doing
that? Check what it does? It

1050
01:25:31.079 --> 01:25:36.159
does it really tell you something?
It certainly can absolutely absolutely. You know,

1051
01:25:36.199 --> 01:25:43.399
if your reflexes are absent or if
they're hyper reflexive too, you can

1052
01:25:43.399 --> 01:25:47.279
tell Okay, but really you know
you're you're doing that when someone has some

1053
01:25:47.359 --> 01:25:51.680
kind of a neurological complaint. Yeah, And it's the same with other physical

1054
01:25:51.760 --> 01:25:57.319
exam findings. You're usually going to
find something if someone's you know, has

1055
01:25:57.359 --> 01:26:01.399
a complaint when they just come in
they're healthy. Ninety nine percent of the

1056
01:26:01.399 --> 01:26:08.159
time, you don't find anything but
significance. Right, And so as far

1057
01:26:08.279 --> 01:26:15.079
as the consultations every three months,
let's talk about a normal program. What

1058
01:26:15.119 --> 01:26:18.720
are you consulting about? Yeah,
you know, the the big things that

1059
01:26:18.760 --> 01:26:25.600
we're focused on is how do we
prevent people from having cancer? Deaths from

1060
01:26:25.600 --> 01:26:30.319
cancer and from cardiovascular disease. So
are the two big killers. I had

1061
01:26:30.359 --> 01:26:34.880
two big killers, and you know, we do a really poor job in

1062
01:26:35.000 --> 01:26:43.840
mainstream medicine of addressing those two problems. You can really find a lot through

1063
01:26:44.720 --> 01:26:49.800
blood work sometimes but mostly through some
imaging. Uh. For instance, we

1064
01:26:49.920 --> 01:26:57.159
use something called the Karateid IMT to
take a look at your kartid arteries and

1065
01:26:57.279 --> 01:27:00.680
see, you know, based on
that test, we can tell if you've

1066
01:27:00.680 --> 01:27:03.680
got plaque in the artery. Now, if it's in the karateid doesn't mean

1067
01:27:03.720 --> 01:27:09.840
it's around the around the body.
It does it means that is that a

1068
01:27:09.840 --> 01:27:13.319
good image? Is that a good
visual of the rest of the body.

1069
01:27:13.560 --> 01:27:17.439
It is. So there's about a
ninety five percent concordance between the amount of

1070
01:27:17.439 --> 01:27:21.680
plaque that you have in your carotid
artery to what you have in your coronary

1071
01:27:21.800 --> 01:27:28.600
arteries in the heart. So that's
why it's a great proxy. It's cheap,

1072
01:27:29.079 --> 01:27:32.640
it's quick, and there's no radiation
because it's an ultrasound, So you

1073
01:27:32.640 --> 01:27:36.520
get all those benefits. And you
know, if someone has a lot of

1074
01:27:36.560 --> 01:27:41.119
plaque there, maybe we want to
do more advanced studies. But we can

1075
01:27:41.119 --> 01:27:45.600
also optimize you on you know,
different medicines that can really help slash your

1076
01:27:45.640 --> 01:27:50.279
risk stay of having a heart attack
or stroke or shrinks it right. In

1077
01:27:50.319 --> 01:27:55.479
some cases we can't. I mean, there are currently medications and therapies where

1078
01:27:55.520 --> 01:28:00.279
you can see uh plaque in the
carotids or in the coronaries in your heart.

1079
01:28:00.520 --> 01:28:03.840
You can see those plaques get smaller. Yeah, let's talk to John

1080
01:28:03.880 --> 01:28:13.840
about a water heater. Why John, what's happening John? Hello? Jeez?

1081
01:28:14.960 --> 01:28:18.439
Are we having more of those phone
problems? Hey, Kelly, see

1082
01:28:18.479 --> 01:28:28.039
if John's there and I'll take him
right after this, go with a sure

1083
01:28:28.119 --> 01:28:31.680
thing Denver's Best roofer Excel roofing dot
com. You don't pay a cent until

1084
01:28:31.680 --> 01:28:39.239
you're content. Time for an insurance
check up free, no obligation. In

1085
01:28:39.279 --> 01:28:44.600
comparison, call Compass insurance paying too
much your coverage at dozens of insurance companies.

1086
01:28:44.680 --> 01:28:46.880
Find out now three all three seven
to seven to one help You'll think

1087
01:28:46.920 --> 01:28:50.920
you're his only customer when you choose
Frank durand the real estate man dot com

1088
01:28:50.960 --> 01:28:56.640
to list your home with Remax Alliance
three all three nine two zero sixteen twenty

1089
01:28:56.640 --> 01:29:11.800
two three seven on three two five
five. One guy texted and said,

1090
01:29:11.840 --> 01:29:15.800
you know, Tom, in reality, you really can't add much to your

1091
01:29:15.800 --> 01:29:18.079
life. You are what the cards
you're dealt. I want to know how

1092
01:29:18.079 --> 01:29:21.640
you feel about that, because there
is there is a there is a school

1093
01:29:21.640 --> 01:29:28.079
of thought that you have heredity,
you have genes, you have what you're

1094
01:29:28.079 --> 01:29:31.680
born with. You like, how
much can you really do for yourself?

1095
01:29:31.840 --> 01:29:34.399
I think you can do a lot. My god, I've seen people.

1096
01:29:35.560 --> 01:29:38.800
I mean, I think you can. But what do you think? I

1097
01:29:38.800 --> 01:29:43.199
mean, you've been in longevity and
in preventive and in wellness. What do

1098
01:29:43.239 --> 01:29:50.560
you think question as far as are
you the cards you're dealt? And can

1099
01:29:50.600 --> 01:29:54.720
you really do anything to add to
your life? Oh? Yeah, yeah,

1100
01:29:54.760 --> 01:29:59.800
yeah, No. I think you
know, there's a big misconception that

1101
01:30:00.199 --> 01:30:05.000
you know, genetics are going to
dictate what your health outcomes are going to

1102
01:30:05.039 --> 01:30:08.640
be and that they have a good
part in it, don't they as far

1103
01:30:08.680 --> 01:30:11.359
as they're camping you, well,
they can, you know, I mean,

1104
01:30:11.439 --> 01:30:15.880
I think a good example is,
you know they're recently you know,

1105
01:30:15.960 --> 01:30:19.479
we we do a lot of testing
on a gene for Alzheimer's. Okay,

1106
01:30:19.760 --> 01:30:24.920
right, you know if you have
a certain copy of this gene, yes,

1107
01:30:25.000 --> 01:30:28.920
it can increase your risk of getting
Alzheimer's. And that's that's a fact.

1108
01:30:29.039 --> 01:30:30.520
Right, people are testing for that
now, oh for sure. But

1109
01:30:30.640 --> 01:30:35.239
is there anything you can do about
it? Like what? So when we

1110
01:30:35.319 --> 01:30:42.159
look at all the preponderance of data
on what contributes to people having something like

1111
01:30:42.199 --> 01:30:47.600
Alzheimer's, one of the most important
things that you can do is all of

1112
01:30:47.640 --> 01:30:55.880
the different lifestyle things. Yeah,
good sleep, good exercise, good diet.

1113
01:30:56.479 --> 01:31:00.800
But really, you know, when
you handle those things, well,

1114
01:31:00.439 --> 01:31:04.840
what are you going to do?
You're going to help decrease your risk of

1115
01:31:05.560 --> 01:31:12.319
pre diabetes and diabetes and diabetes is
one of the biggest contributors to well,

1116
01:31:12.640 --> 01:31:15.159
every kind of crime is now.
Of course, it contributes to cart,

1117
01:31:15.439 --> 01:31:19.279
it contributes to Alzheimer's. But if
you you know, if you manage your

1118
01:31:19.319 --> 01:31:26.960
lifestyle well and optimize your your health
and wellness. Even if you have one

1119
01:31:26.960 --> 01:31:30.600
of these you know, genes,
then you can significantly reduce your risk of

1120
01:31:30.600 --> 01:31:36.720
getting Alzheimer's. Okay, and there
are people that are more predisposed. Does

1121
01:31:36.720 --> 01:31:42.720
that mean if you don't have the
gene, you won't get Alzheimer's. I

1122
01:31:42.760 --> 01:31:45.960
mean, have they gone that far? Does everyone who get Alzheimer's have that

1123
01:31:45.039 --> 01:31:50.720
gene? No? No, good
point. So you you can absolutely get

1124
01:31:50.760 --> 01:31:59.600
Alzheimer's irrespective of your your genotype.
You know, if you do things horribly

1125
01:31:59.640 --> 01:32:03.039
in terms of your lifestyle, you're
gonna increase your risk of Alzheimer's. All

1126
01:32:03.159 --> 01:32:05.560
right, right, I see what
you're saying, whether you have the gene

1127
01:32:05.640 --> 01:32:12.920
or not. Correct. Isn't there
a confusion between dementia and Alzheimer's Aren't they

1128
01:32:12.920 --> 01:32:15.960
two different things? Are they the
same? No? So, dementia is

1129
01:32:15.039 --> 01:32:24.159
just a kind of blanket term for
people who develop some kind of cognitive problem

1130
01:32:24.600 --> 01:32:27.079
at some point in their life.
Okay, right, usually later in their

1131
01:32:27.119 --> 01:32:31.960
life. Yeah, Alzheimer's dementia is
it's just a kind of dementia. But

1132
01:32:32.000 --> 01:32:38.600
you could have Louis body dementia,
which has elements of Parkinson's deemant yeah.

1133
01:32:38.640 --> 01:32:42.520
So there's different types of dementia,
and Alzheimer's is one of those, the

1134
01:32:42.560 --> 01:32:45.800
most common ones. Okay, I
see what you're saying. John, what's

1135
01:32:45.880 --> 01:32:49.199
going on with you? John?
Welcome? Oh? Thank you? Tom?

1136
01:32:49.560 --> 01:32:53.960
Yeah, Tom, I had a
situation here with a water heater.

1137
01:32:54.560 --> 01:32:59.680
What is it, sir? I
bought a brand new water heater and I'm

1138
01:32:59.720 --> 01:33:02.680
real happy with the work and the
company that did it. There's no problem

1139
01:33:02.720 --> 01:33:09.960
there. But my question to you
is I paid thirty five hundred dollars and

1140
01:33:10.239 --> 01:33:14.199
it's a fifty gallon rim water heater
at how much did you pay? How

1141
01:33:14.279 --> 01:33:17.920
much did you pay? Thirty five
hundred? Okay, Well you're wondering if

1142
01:33:17.920 --> 01:33:24.680
you overpaid, right, correct,
Well you didn't overpay, because there is

1143
01:33:24.720 --> 01:33:29.479
no overpay unless. What I mean
is it's right in there with what people

1144
01:33:29.600 --> 01:33:34.319
charge. However, you heard me
talk about euro plumbing. They would do

1145
01:33:34.680 --> 01:33:42.560
a fifty five gallon tank at around
fifteen hundred bucks. Okay, okay,

1146
01:33:42.600 --> 01:33:46.000
fully installed with the old one taken
out and hauled away. Okay, Yeah,

1147
01:33:46.039 --> 01:33:49.199
that's what I had done here.
But I'm not saying but listen,

1148
01:33:49.359 --> 01:33:54.600
you you did I know this sounds
weird. I don't know how euro Plumbing

1149
01:33:54.600 --> 01:33:56.600
does it. In fact, I've
had plumbers call me. You get mad

1150
01:33:56.640 --> 01:34:00.199
at me, saying why can you
how can you advertise that? But we

1151
01:34:00.439 --> 01:34:02.960
never had a complaint and they've done
a great job. They do the forty

1152
01:34:02.960 --> 01:34:08.560
gallon tank for fourteen ninety for thirteen
ninety nine. Now listen, that doesn't

1153
01:34:08.600 --> 01:34:14.800
mean thirty five hundred is bad.
Was that a high efficiency? Yes?

1154
01:34:15.039 --> 01:34:20.520
Oh? The water heater, well
yeah, but rem makes both. Is

1155
01:34:20.560 --> 01:34:26.760
it a truly high efficiency water heater? A quick recovery? When I say

1156
01:34:26.800 --> 01:34:30.000
that, don't you say yes unless
you know it, because that would be

1157
01:34:30.239 --> 01:34:34.920
well worth it. Uh, I
don't know. I'll have to Why don't

1158
01:34:34.920 --> 01:34:39.680
you get why don't you get the
model number? The exact model number?

1159
01:34:39.760 --> 01:34:43.439
We'll see. But as I said, no matter what, for any water

1160
01:34:43.520 --> 01:34:48.279
heater installation, you're gonna find that's
right in the ballpark. Okay, Okay,

1161
01:34:48.439 --> 01:34:53.359
who did you have? Who did
you have? Do it? I

1162
01:34:53.399 --> 01:34:58.039
had a It used to being puter
Valley. Uh huh air up here in

1163
01:34:58.039 --> 01:35:01.640
the poor Collins. Okay. I
yeah, they sold, they split up

1164
01:35:01.680 --> 01:35:06.239
their all they deal is commercial now
and I went and it's called Lions Home

1165
01:35:06.279 --> 01:35:12.720
Appliance. Okay. They do the
residential, and I'm real happy with everything.

1166
01:35:13.000 --> 01:35:16.159
I've had them do some work and
the just recently to some other stuff

1167
01:35:16.199 --> 01:35:19.840
with my furnace, and I'm real
happy with their work. So that's no.

1168
01:35:20.119 --> 01:35:25.399
I just sometimes I wonder, especially
this, when he said thirty five

1169
01:35:25.479 --> 01:35:29.279
hundred, I go, WHOA.
You know, I kind of questioned that,

1170
01:35:29.560 --> 01:35:32.359
but I went ahead and you know, had the work done anyway,

1171
01:35:32.560 --> 01:35:38.680
So okay, that's cool. And
I said I wouldn't look, I wouldn't

1172
01:35:38.680 --> 01:35:43.000
be too sad about that. I
mean, yeah, it's it's higher than

1173
01:35:43.039 --> 01:35:45.399
he could do it, but so
what I mean not everyone can hit that

1174
01:35:45.560 --> 01:35:50.680
price, and they're up in your
area, so that price was not extraordinary.

1175
01:35:56.720 --> 01:36:00.159
Go with a sure thing Denver's Best
Roofer Excel Roofing. You don't pay

1176
01:36:00.159 --> 01:36:06.960
a cent until you're content. Time
for an insurance check up free, no

1177
01:36:08.039 --> 01:36:12.960
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

1178
01:36:12.960 --> 01:36:15.279
of insurance companies find out Now three
all three, seven to seven to one

1179
01:36:15.399 --> 01:36:19.399
help You'll think you're his only customer
when you choose Frank durand the real estate

1180
01:36:19.439 --> 01:36:24.840
Man dot com to list your home
with Remax Alliance three all three nine two

1181
01:36:24.920 --> 01:36:38.760
zero sixteen twenty two. Hi Tom
Martino here three oh three seven on three

1182
01:36:38.800 --> 01:36:41.479
Talk three oh three seven on three
eight two five five. We're going into

1183
01:36:41.479 --> 01:36:44.279
our final hour of the show.
You can call us. We'll get you

1184
01:36:44.399 --> 01:36:46.199
right on. If you have a
problem, question, complaint in any area.

1185
01:36:47.039 --> 01:36:51.319
Again, we apologize for any technical
difficulties. It's been difficult for phones

1186
01:36:51.399 --> 01:36:57.960
and for broadband and for internet and
for YouTube. So if you're wondering where

1187
01:36:58.000 --> 01:37:01.840
we are, that's what's going on, and we apologize for that. Now

1188
01:37:02.239 --> 01:37:08.800
we have doctor Kelly with us from
Grossman Wellness. We're talking about screenings,

1189
01:37:08.920 --> 01:37:14.560
blood tests, a gene for Alzheimer's, and what you can do to help

1190
01:37:14.560 --> 01:37:17.159
prevent it if it does show up. I want to know about the Grail

1191
01:37:17.279 --> 01:37:20.319
test. They call it the Holy
Grail. What is the technical name for

1192
01:37:20.399 --> 01:37:25.359
that test? Doctor Kelly? Yeah, So the Grill test is what you

1193
01:37:25.399 --> 01:37:30.000
call liquid biopsy and what is what
does it do? Exactly? So basically

1194
01:37:30.680 --> 01:37:36.520
you get a blood sample and within
that blood sample what you're looking for is

1195
01:37:36.520 --> 01:37:41.159
called free cell DNA or sell free
DNA. Now, this is supposed to

1196
01:37:41.239 --> 01:37:45.239
detect every kind of cancer, right, not every No, there's limitations,

1197
01:37:45.279 --> 01:37:48.279
all right, when we can get
to that. But basically, when a

1198
01:37:48.439 --> 01:37:53.920
tumor cell in your body dies,
it shed some DNA. That DNA will

1199
01:37:53.920 --> 01:37:58.800
have certain markers on it, which
we call epigenetic markers. It's just you

1200
01:37:58.840 --> 01:38:00.800
know, yeah, how does how
does it no matter how small the tumor

1201
01:38:00.920 --> 01:38:05.079
or what but a pin head?
Oh my god? Yeah. Yeah.

1202
01:38:05.560 --> 01:38:13.119
So this, this particular test can
detect fifty five different cancers fifty five.

1203
01:38:13.199 --> 01:38:17.279
So when you say a tumor as
small as a pinhead, when you have

1204
01:38:18.000 --> 01:38:26.680
that, sell that it shed that
is shedded or what does it tell you?

1205
01:38:26.800 --> 01:38:30.640
Does it tell you where the tumor
is? You don't know where it

1206
01:38:30.680 --> 01:38:33.399
is? Oh? Wait, so
each one has its own like signature,

1207
01:38:33.720 --> 01:38:39.359
Each kind of tumor cell has its
own signature. That's what we call epigenetics

1208
01:38:39.760 --> 01:38:46.439
epigenetics. So I mean it.
This will very likely be an FDA approved

1209
01:38:47.359 --> 01:38:53.640
test in the next couple of years
just because sailing the data is So would

1210
01:38:53.680 --> 01:38:57.399
it be like, for example,
this tom it looks like you could have

1211
01:38:57.439 --> 01:39:01.000
a tiny tumor in your kidney.
It could come back like you could tell

1212
01:39:01.039 --> 01:39:04.039
me that after looking at it.
Yeah. So the way that they run

1213
01:39:04.079 --> 01:39:09.960
the tests, you know, they
have done extensive testing, thousands and thousands

1214
01:39:10.000 --> 01:39:15.359
of patients looking at you know,
you do the blood test, you see

1215
01:39:15.359 --> 01:39:17.279
what the results of the blood tests
are, and then they go and look

1216
01:39:17.520 --> 01:39:21.920
and find if you know, on
imaging, if there's a little tumor there,

1217
01:39:23.520 --> 01:39:26.359
then then they know, you know. That's how they start to gather

1218
01:39:26.439 --> 01:39:29.000
all this data and say that this
is how long it's a valid test.

1219
01:39:29.319 --> 01:39:31.640
It's been out about I think about
four years or something. Is it really

1220
01:39:31.680 --> 01:39:35.359
gathering a lot of accurate data?
Oh? Yeah, yeah. So so

1221
01:39:35.399 --> 01:39:38.880
the good thing about it is,
you know, if you've got a negative

1222
01:39:38.920 --> 01:39:45.239
test, you can be really confident
that you that you don't have a problem.

1223
01:39:45.359 --> 01:39:50.560
Okay, so let's say I do
have the size of a pinhead or

1224
01:39:50.600 --> 01:39:54.359
a little tiny, big or somewhere. What do I do about it?

1225
01:39:54.720 --> 01:39:57.640
You can't even see it, can
you? Yeah, so we would refer

1226
01:39:57.720 --> 01:40:01.399
you to an oncologist. Yeah,
and the cancer doctor will perform some other

1227
01:40:01.479 --> 01:40:08.800
tests, maybe a PET scan which
can also help detect tumors, maybe some

1228
01:40:08.880 --> 01:40:13.800
imaging. It just kind of depends
on what the cancer type is, where

1229
01:40:13.800 --> 01:40:16.319
it is, how they would go
looking for it next. Okay, so

1230
01:40:16.399 --> 01:40:19.520
then do they take it out?
Do they conneticate, Oh for sure,

1231
01:40:19.880 --> 01:40:25.399
radiated. So the goal is you
find a cancer as opposed to stage four.

1232
01:40:25.760 --> 01:40:29.359
Yeah, of course, the odds
of you surviving that are not good.

1233
01:40:29.720 --> 01:40:32.880
If you catch it in stage one. You've got even almost before stage

1234
01:40:32.880 --> 01:40:36.239
one. I mean it is technically
stage one. People kind of call it

1235
01:40:36.279 --> 01:40:42.520
like stage zero. But yeah,
so but you know if you if you

1236
01:40:42.600 --> 01:40:45.880
detect it in stage one, your
odds of surviving that cancer are fantastic.

1237
01:40:46.359 --> 01:40:50.640
Wow, really good. So you
know, traditionally we've only been able to

1238
01:40:50.680 --> 01:40:57.079
screen for about five different cancers.
So now fifty five different forms? What

1239
01:40:57.199 --> 01:41:01.439
cancer would it not uncover? Brain? Oh? Really, brain is one.

1240
01:41:01.840 --> 01:41:06.079
It won't really won't. Why is
that because the brain is a very

1241
01:41:06.520 --> 01:41:13.760
encapsulated organ. It's the same with
bladder cancers too, So those cancers will

1242
01:41:13.760 --> 01:41:19.560
contain those shdded cells, so correct. Yeah, yeah, So so the

1243
01:41:20.039 --> 01:41:27.880
likelihood of a of a cancer cell
in the brain or in the bladder urologic

1244
01:41:27.960 --> 01:41:33.279
cancers making it into the bloodstream is
less. So it's it's it's you just

1245
01:41:33.319 --> 01:41:39.159
don't use that for detection of those. So how are they working on detections

1246
01:41:39.159 --> 01:41:44.920
for that? Well, there there
is a similar uh quote unquote liquid biopsy

1247
01:41:45.279 --> 01:41:49.720
urine sample that you can use to
detect prostate cancers. So they're they're working

1248
01:41:49.760 --> 01:41:55.800
on other modes for the eurologic cancers. And with brain you know, we

1249
01:41:55.800 --> 01:42:00.119
we will do you know, total
body in our eyes on people and look,

1250
01:42:00.399 --> 01:42:03.560
look and see if they've got any
kind of structural problems to their brain

1251
01:42:03.640 --> 01:42:06.760
or tumors in their brains. All
right, we have more coming up on

1252
01:42:06.800 --> 01:42:14.000
The Troubleshooter Show three oh three seven
one three top go with a sure thing

1253
01:42:14.119 --> 01:42:17.560
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're

1254
01:42:17.560 --> 01:42:27.079
content. Time for an insurance check
up free no obligation comparison call Compass Insurance

1255
01:42:27.239 --> 01:42:30.399
paying too much your coverage at dozens
of insurance companies find out now three oh

1256
01:42:30.399 --> 01:42:34.079
three seven to seven to one help. You'll think you're his only customer when

1257
01:42:34.119 --> 01:42:38.840
you choose Frank durand the real estate
Man dot com to list your home with

1258
01:42:38.960 --> 01:42:51.359
Remax Alliance three oh three nine two
zero sixteen twenty two d News Need advice

1259
01:42:51.479 --> 01:43:01.000
so you don't have Russ came No
shoot is good The help coming man.

1260
01:43:01.680 --> 01:43:09.880
This is the Troubleshooter Show. No
Tom Martino Hi Tom Martino here, Welcome

1261
01:43:09.920 --> 01:43:13.079
to the show. Three oh three
seven one three talks seven one three,

1262
01:43:13.680 --> 01:43:15.800
eight two five five. What's going
on in your life? How can we

1263
01:43:15.920 --> 01:43:19.079
help you? All you have to
do is call us if you have a

1264
01:43:19.119 --> 01:43:25.119
problem, question or complaint. And
as I do every day, I talk

1265
01:43:25.199 --> 01:43:29.119
about consumer issues that are near and
dear to your heart and pocketbook. And

1266
01:43:29.199 --> 01:43:33.840
I have a guest today, and
my guest is doctor John Kelly from Grossmanwellness

1267
01:43:34.760 --> 01:43:42.840
dot com and Grossmanwellness is h I
like to call concierge service, meaning it's

1268
01:43:42.880 --> 01:43:47.239
at your disposal basically, and it's
a wellness clinic. It concentrates on wellness

1269
01:43:47.239 --> 01:43:53.359
and prevention and what I call being
proactive with health. And part of that

1270
01:43:53.479 --> 01:43:59.640
pro proaction is monitoring blood work.
And we're going to talk about that part

1271
01:43:59.720 --> 01:44:04.039
because so many people say, Tom, have you heard about Kinga Baloba?

1272
01:44:04.239 --> 01:44:08.079
Or have you heard about gabba?
Or have you heard about vitamin D?

1273
01:44:08.319 --> 01:44:13.239
Have you heard about vitamin C?
Have you heard about whatever it is?

1274
01:44:13.800 --> 01:44:15.880
You know? Now, some people
might need that, some people may not.

1275
01:44:16.520 --> 01:44:20.880
But it's amazing to me how many
people read an article and then start

1276
01:44:20.920 --> 01:44:28.399
taking supplements when it's not based on
any particular test or any particular monitoring.

1277
01:44:28.760 --> 01:44:32.439
How do you know what you need? Even people sometimes on testosterone or on

1278
01:44:32.880 --> 01:44:36.960
any kind of a hormone replacement,
do they know how that shows up in

1279
01:44:38.000 --> 01:44:43.600
their body or if they even need
it? And these are things that I

1280
01:44:43.640 --> 01:44:48.399
think blood work does that nothing else
does. And I was always fascinated by

1281
01:44:48.439 --> 01:44:53.960
the lack of blood work in the
medical world. Really, I mean,

1282
01:44:54.520 --> 01:44:59.960
they're quick to prescribe a drug to
you, and it's I'm talking about convention

1283
01:45:00.039 --> 01:45:06.720
acute medicine, not not the more
advanced docs nowadays. So let's talk about

1284
01:45:06.720 --> 01:45:14.560
that. Blood work tells you the
the vitamin stuff, not just the sickness

1285
01:45:14.560 --> 01:45:21.119
part or the abnormal stuff or the
high cholesterol, or it tells you a

1286
01:45:21.159 --> 01:45:28.079
lot of meaningful stuff. Vitamins.
They're essential to be monitored, don't you

1287
01:45:28.199 --> 01:45:32.399
think. I do think so.
I think you know. One of the

1288
01:45:32.399 --> 01:45:35.920
the main ones that we look at
as vitamin D. Now, vitamin Why

1289
01:45:35.960 --> 01:45:42.560
is vitamin D so important? There're
like probably ten thousand differences that it maybe

1290
01:45:42.600 --> 01:45:46.399
more around vitamin D honestly for a
reason. And the reason is vitamin D

1291
01:45:47.239 --> 01:45:51.960
plays a huge role primarily in your
immune system, but also in hormone function

1292
01:45:53.239 --> 01:46:00.479
and bone health cancer. So it
and it is one of these ones where

1293
01:46:00.720 --> 01:46:03.920
you can overdo it as well.
Yeah, and what would overdoing it be

1294
01:46:04.000 --> 01:46:06.199
too much? And what would it
give you? What would it do?

1295
01:46:06.279 --> 01:46:11.960
Well? You can you can get
what's called vitamin detoxicity. It's hard to

1296
01:46:12.000 --> 01:46:15.960
get, I mean I've never seen
in my career, but in the literature

1297
01:46:15.960 --> 01:46:18.880
it's there. But more importantly is
you know, if you're too low,

1298
01:46:19.880 --> 01:46:25.600
it can impact virtually every system in
your body. So we keep a close

1299
01:46:25.640 --> 01:46:29.600
eye on that. That's the primary
one that we look at. Not depending

1300
01:46:29.640 --> 01:46:34.800
on a person's symptoms or diseases,
whatever their problems are, it may be

1301
01:46:34.920 --> 01:46:40.359
worth looking at a much deeper dive
into a variety of different vitamins. Okay,

1302
01:46:40.399 --> 01:46:44.399
so what else? What else can
you tell? B vitamins, d

1303
01:46:44.640 --> 01:46:47.399
h EA and all kinds of other
things. You can tell basically what people

1304
01:46:47.439 --> 01:46:56.000
need to take to supplement for sure, if it's warranted, we will look

1305
01:46:56.039 --> 01:47:00.760
at a variety of different B vitamins. DHA, as you mentioned, is

1306
01:47:00.800 --> 01:47:05.199
actually a pre hormone. But you
know, we check that as part of

1307
01:47:05.239 --> 01:47:12.000
our hormone replacement programs because it's an
important building block to you know, your

1308
01:47:12.239 --> 01:47:15.920
your actual hormones that do all the
work. But also you know, you

1309
01:47:15.960 --> 01:47:20.760
can find interesting things you know with
DHA that relate it to better longevity too.

1310
01:47:20.920 --> 01:47:27.399
So it's you know, that's just
one piece of what we look at

1311
01:47:27.439 --> 01:47:33.479
in terms of hormone function. So
so blood work is for supplements, blood

1312
01:47:33.479 --> 01:47:40.279
work is for hormone function. Blood
work is for blood chemistry itself, and

1313
01:47:41.199 --> 01:47:47.399
can almost anything be dealt with through
the blood work that you see, I

1314
01:47:47.439 --> 01:47:50.800
mean other than you know, where
you need surgery and things like that asmost

1315
01:47:50.920 --> 01:47:56.079
Yeah, for sure, I think
the the way that I approach it is

1316
01:47:57.199 --> 01:48:01.159
a lot of the blood work can
be You can very definitively act on a

1317
01:48:01.199 --> 01:48:05.800
lot of different markers, like if
your testosterone is super low and you have

1318
01:48:05.840 --> 01:48:11.720
no energy. You know, that's
that's an easy one to fix. Some

1319
01:48:11.800 --> 01:48:15.760
other things like cholesterol levels, they
never tell the whole picture. So that's

1320
01:48:15.760 --> 01:48:23.239
why you know, we use a
combination of imaging techniques in addition to the

1321
01:48:23.239 --> 01:48:26.680
blood work to get a full picture
of where you are in terms of your

1322
01:48:26.680 --> 01:48:30.920
cardiovascular health. For example, blood
sugar is a great one. That's an

1323
01:48:31.000 --> 01:48:34.039
easy one to act on. You
know, if you have blood sugar that

1324
01:48:34.159 --> 01:48:40.079
is out of control, we can
absolutely help you, and you do that

1325
01:48:40.119 --> 01:48:45.840
with a fasting blood test. You
do not have to fast for every single

1326
01:48:45.880 --> 01:48:51.560
test, but there are some that
you should fast for cholesterol, blood sugar.

1327
01:48:51.640 --> 01:48:54.920
I think those are good ones to
fast forward. Can you explain to

1328
01:48:54.960 --> 01:48:58.119
people what an A one see test
shows? Yeah, and that's part of

1329
01:48:58.119 --> 01:49:01.479
your blood by the way, people, because we've had that question before whenever

1330
01:49:01.520 --> 01:49:04.840
we've had a doctrin. A one
c is not just a blood sugar.

1331
01:49:05.319 --> 01:49:11.720
Correct. Hemoglobin a one c is
a way of looking at a three to

1332
01:49:11.840 --> 01:49:15.600
four month average of your blood sugar. See, that's amazing. So that's

1333
01:49:15.920 --> 01:49:19.039
no matter what you're doing, it'll
show up on an A one c more

1334
01:49:19.079 --> 01:49:24.800
so than a fasting glucose test for
example. Correct correct, Yeah, fasting

1335
01:49:24.800 --> 01:49:29.159
blood sugar is useful, So is
a blood sugar after you eat a meal.

1336
01:49:29.520 --> 01:49:33.359
Yeah, But a hemoglobin a one
c gives us a really good picture

1337
01:49:33.399 --> 01:49:39.119
of your overall state of are you
pre diabetic? Do you have diabetes?

1338
01:49:39.439 --> 01:49:45.039
Is it way out of control diabetes? And it gives us a good marker

1339
01:49:45.119 --> 01:49:47.520
to act on. Can you control
that marker when you are close? You

1340
01:49:47.560 --> 01:49:53.079
can? And how do you do
that? Absolutely? There are medications that

1341
01:49:53.119 --> 01:49:57.039
can help, But I think the
most important thing for changing your blood sugar

1342
01:49:57.199 --> 01:50:01.960
is actually lifestyle and how you eat. You know, if you exercise consistently,

1343
01:50:02.479 --> 01:50:04.920
if you get your steps in,
if you do your cardio, if

1344
01:50:04.960 --> 01:50:10.840
you lift weights, those are going
to be hugely, hugely helpful. And

1345
01:50:11.039 --> 01:50:14.800
what you eat right and what you
eat absolutely if you if you consume too

1346
01:50:14.880 --> 01:50:19.159
much sugar, you I mean,
this is a common misconception. People think

1347
01:50:19.199 --> 01:50:23.920
that if you have diabetes, you
got it for life. It's not true.

1348
01:50:24.119 --> 01:50:27.600
You can reverse diabetes type two,
you can Type two. Yeah,

1349
01:50:27.800 --> 01:50:31.760
type two diabetes you can reverse.
Now, some people, you know,

1350
01:50:32.039 --> 01:50:38.920
maybe at a state of type two
diabetes where they are going to have to

1351
01:50:38.920 --> 01:50:42.600
be on some medications for a while
maybe or maybe forever. But some people,

1352
01:50:42.600 --> 01:50:45.239
if you you know, if you
catch it early enough and you're you

1353
01:50:45.279 --> 01:50:48.119
know, haven't had diabetes for you
know, three decades, you can absolutely

1354
01:50:48.159 --> 01:50:51.960
reverse it. Michael, go ahead, Mike, Hi, I'm Tom Martinez.

1355
01:50:51.960 --> 01:50:58.720
What's happening. Yeah. Kind of
heard doctor oz back during the COVID

1356
01:50:58.880 --> 01:51:03.720
crisis on rate. Do you say
that if you could getting natural sunlight,

1357
01:51:04.800 --> 01:51:12.279
D three might have D three exposure
was better than take a supplement because there's

1358
01:51:12.560 --> 01:51:17.520
like more than fifty compounds and they're
not all in a D vitamin supplement.

1359
01:51:18.039 --> 01:51:21.039
Is that true? Yeah, it
doesn't matter where you get your D.

1360
01:51:21.359 --> 01:51:24.920
I mean a lot of us don't
get sunlight anymore, or if we do,

1361
01:51:25.000 --> 01:51:28.960
we're were we use sunblock. I
mean, so what about that?

1362
01:51:29.680 --> 01:51:33.760
Yeah, I think and you know, are the way that we work in

1363
01:51:33.800 --> 01:51:41.479
the modern world, nobody's getting enough
sunlight. I think that what doctor Oz

1364
01:51:41.479 --> 01:51:45.960
said is important. I think part
of what I would add to that is

1365
01:51:46.399 --> 01:51:51.000
the quality of the supplements that you
get should be should be very high,

1366
01:51:51.840 --> 01:51:57.319
not just any vitamin D off of
you know, okay, right, like

1367
01:51:58.119 --> 01:52:00.600
there are a lot of crap supplements
out there. There really are there really

1368
01:52:00.680 --> 01:52:04.760
are, So getting a very high
quality supplement, any kind of supplement,

1369
01:52:05.079 --> 01:52:09.239
I would want it to be third
party tested. Now, but back to

1370
01:52:09.279 --> 01:52:16.199
your previous point, you know,
I think that getting proper sunlight is really

1371
01:52:16.239 --> 01:52:21.560
important for humans for a number of
reasons, not just how it stimulates vitamin

1372
01:52:21.640 --> 01:52:28.119
D synthesis, but also how it
sets our circadian rhythms. So you know,

1373
01:52:28.199 --> 01:52:31.880
you see people having a lot of
problems with sleep. Part of it

1374
01:52:31.920 --> 01:52:38.760
is how we experience light. These
days, we're constantly bombarded with you know,

1375
01:52:39.359 --> 01:52:44.119
fluorescent lights from the cubicles that we
work in. We're not getting outside.

1376
01:52:45.239 --> 01:52:49.199
I think this is something that in
the more recent research and data,

1377
01:52:49.760 --> 01:52:55.680
we're finding that people can really help
their sleep just by getting proper sun exposure.

1378
01:52:55.880 --> 01:53:00.680
So some sun in the morning as
the sun's coming up, some sun

1379
01:53:00.800 --> 01:53:03.800
during you know, midday, full
sun on you as long as you're not

1380
01:53:03.960 --> 01:53:08.560
burning. I think that's perfectly fine. And then some sun in the evening

1381
01:53:08.600 --> 01:53:13.479
and that helps set our internal clock
to tell us when to be awake and

1382
01:53:13.479 --> 01:53:15.439
when to go to sleep. But
a lot of people are working all day,

1383
01:53:15.520 --> 01:53:19.039
right, so it's really hard.
I mean, you have to make

1384
01:53:19.079 --> 01:53:24.960
an effort nowadays to get out and
to as you say, get your steps

1385
01:53:24.960 --> 01:53:30.880
in or get sunlight for sure.
And that's really kind of where you know,

1386
01:53:30.079 --> 01:53:33.319
some of the reality of the kind
of world that we live in.

1387
01:53:35.159 --> 01:53:39.760
You know, we have to be
proactive about helping you know, something like

1388
01:53:39.800 --> 01:53:43.000
a vitamin D level, because some
people just can't get out in the sun

1389
01:53:43.119 --> 01:53:45.640
enough, right, right, But
if you could, it would be better

1390
01:53:45.680 --> 01:53:50.840
to get it from sunlight. It
might be, yeah, it might be,

1391
01:53:51.119 --> 01:53:55.640
but that's why we test. Right, you might be doing everything right

1392
01:53:55.680 --> 01:53:59.159
in terms of your sun exposure,
but you might still be vitamin D deficient.

1393
01:53:59.239 --> 01:54:01.359
Right now, Mike, if you
have a followup, Hey, Frank,

1394
01:54:01.399 --> 01:54:03.279
I have to take a break,
but I want to get started on

1395
01:54:03.319 --> 01:54:08.479
your question. What is it?
Two part question? You hear this relief

1396
01:54:08.520 --> 01:54:14.600
factor advertising, yeah all the time, turmeric er, troll, fishal and

1397
01:54:15.319 --> 01:54:20.159
horny goat wait and I careen.
And the question is do you believe in

1398
01:54:20.199 --> 01:54:24.680
that? You know that's it's a
great question, not enough? And then

1399
01:54:25.199 --> 01:54:30.720
facial do you worry about the mercury
level? I've heard there's a website from

1400
01:54:30.800 --> 01:54:33.600
Canada that screens facial and checks on
the mercury level. Hold on, we'll

1401
01:54:33.600 --> 01:54:40.279
come right back to those very good
questions. Very good. Go with a

1402
01:54:40.319 --> 01:54:44.680
sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent

1403
01:54:44.880 --> 01:54:51.760
until you're content. Time for an
insurance check up free no obligation comparison call

1404
01:54:51.880 --> 01:54:57.800
compass insurance paying too much your coverage
at dozens of insurance companies find out now

1405
01:54:57.880 --> 01:55:00.760
three all three, seven to seven
to one help. You'll think you're his

1406
01:55:00.880 --> 01:55:03.880
only customer when you choose Frank durand
the Real Estate Man dot com to list

1407
01:55:03.920 --> 01:55:15.880
your home with Remax Alliance three all
three nine two zero sixteen twenty two.

1408
01:55:16.439 --> 01:55:20.319
Hi Tom Martine, you're a troubleshooter
at three three seven one three talk.

1409
01:55:20.439 --> 01:55:28.800
So Mike wanted to know about different
things. Let's talk about relief factor first.

1410
01:55:28.840 --> 01:55:31.079
Okay, because this is more of
a non medical opinion, Mike,

1411
01:55:31.279 --> 01:55:38.479
Okay, I know that when people
are in pain they turn to almost anything.

1412
01:55:38.520 --> 01:55:42.560
I swear to God they do.
They turn to almost anything because pain

1413
01:55:42.680 --> 01:55:46.239
is a terrible thing. And I
know because I lived a good part of

1414
01:55:46.239 --> 01:55:51.520
my life in it. Relief factor
or any topical ointment of any kind,

1415
01:55:53.119 --> 01:56:00.680
will never ever ever do anything to
touch arthri it is or problems. It

1416
01:56:00.720 --> 01:56:08.239
gives temporary relief. That's all it
is. There's no cure for anything you

1417
01:56:08.359 --> 01:56:12.479
have. That's the problem I have
with the relief factor in other things where

1418
01:56:12.520 --> 01:56:16.000
they make it sound like a cure. It does give relief. Ben Gay

1419
01:56:16.119 --> 01:56:21.279
gives relief anything that goes into the
skin and causes a warmth and an increase

1420
01:56:21.319 --> 01:56:30.159
in circulation. It does help feel
better, but it doesn't really do anything

1421
01:56:30.199 --> 01:56:35.960
at all, permanent nothing. It
doesn't change any structure. It has some

1422
01:56:36.079 --> 01:56:44.960
anti inflammatory properties, but mainly it
is a distraction if you understand what I

1423
01:56:45.039 --> 01:56:48.920
mean by that. The menthols and
the things, and I'm not saying like

1424
01:56:48.960 --> 01:56:55.039
the turmeric or anything they put in
it won't do anti inflammatory stuff. It

1425
01:56:55.439 --> 01:57:00.720
will to a certain extent, but
it's all temporary. And when people say

1426
01:57:00.800 --> 01:57:03.560
I've used it and now my life
has changed one, I mean, that's

1427
01:57:03.720 --> 01:57:09.880
God bless them. But they don't
have truly bad pain in arthritis, if

1428
01:57:09.920 --> 01:57:13.319
that's what they're telling you, I
mean, they just don't. Now.

1429
01:57:13.439 --> 01:57:15.960
It does work, though, it
does give you some relief, and there's

1430
01:57:16.039 --> 01:57:19.720
plenty of over the counter stuff that
does that too. That's as far as

1431
01:57:19.840 --> 01:57:23.560
I don't know, Doc, how
you feel about the medical part of it,

1432
01:57:23.640 --> 01:57:29.079
but that's my experience with it.
Yeah, I think that pain management

1433
01:57:29.199 --> 01:57:32.760
in general can be really complicated,
and you you know, if you can

1434
01:57:33.239 --> 01:57:38.760
find out some root causes for the
pain, if it's not purely a structural

1435
01:57:38.800 --> 01:57:45.039
problem like you know you torrir acl
year or nerve pinching and pain, right,

1436
01:57:45.159 --> 01:57:48.840
yeah, exactly. You know,
figuring out if there's any root causes

1437
01:57:48.880 --> 01:57:55.720
I think is important. The compounds
that you mentioned inside of relief factor,

1438
01:57:57.159 --> 01:58:02.479
we certainly use those, and they
have anti inflammatory components. To them and

1439
01:58:02.600 --> 01:58:06.840
can be a tool. Yeah,
I don't have any problem with that.

1440
01:58:06.880 --> 01:58:11.640
I can't vouch for a leief factor. I don't really know much about that

1441
01:58:11.720 --> 01:58:15.079
particular brand and how well tested it
is, you know, if it's third

1442
01:58:15.079 --> 01:58:19.319
party tested. I think that's an
important thing always to consider in any supplement

1443
01:58:19.399 --> 01:58:25.960
that you get. And these can
be complicated questions, and talking with someone

1444
01:58:25.960 --> 01:58:32.560
who has a really good understanding of
supplements I think is important as well.

1445
01:58:32.640 --> 01:58:40.680
Now, now have you tried relief
factor? Mike? Oh, you weren't

1446
01:58:40.680 --> 01:58:43.680
the one that called about relief factor? I thought, okay, there was

1447
01:58:43.720 --> 01:58:47.000
another guy. You must have hung
up and he's listening. What what was

1448
01:58:47.000 --> 01:58:51.399
your You're you're the one about vitamin
D? Right? Yeah, And I

1449
01:58:51.560 --> 01:58:56.680
kind of wanted shift gears. I
want to what your gifts thinks of.

1450
01:58:57.199 --> 01:59:05.159
Maybe a big cause of diseases are
from inflammation and from parasites. I E.

1451
01:59:05.520 --> 01:59:12.199
I don't know virus is bacteria?
Well, I mean inflammation is the

1452
01:59:12.279 --> 01:59:17.600
number one. I mean inflammation is
a systemic But go ahead, Doug.

1453
01:59:17.800 --> 01:59:23.079
Yeah, you know, at the
root of every chronic disease is an inflammatory

1454
01:59:23.159 --> 01:59:30.680
process. The question is what's driving
the chronic diseases? And I think primarily

1455
01:59:30.159 --> 01:59:38.600
it is a lifestyle and a food
system that is so radically different from what

1456
01:59:38.640 --> 01:59:42.159
we had one hundred years ago that
that's why we're seeing a lot of these

1457
01:59:42.199 --> 01:59:45.600
crime diseases. You know, anything
from the food supply to how we work

1458
01:59:45.640 --> 01:59:51.079
our sedentary lifestyles, you know,
even potentially the technology that we're exposed to

1459
01:59:51.359 --> 01:59:57.000
your day all the time. Germs
and bacteria, you know, viruses and

1460
01:59:57.039 --> 02:00:00.760
all that they've been with us forever, and they're going to continue to be

1461
02:00:00.840 --> 02:00:04.479
with us. And it's without an
immune system we would be dead. And

1462
02:00:04.800 --> 02:00:09.319
so many people. I mean,
I remember Facebook, I swear to God

1463
02:00:09.399 --> 02:00:14.800
during COVID, I didn't say anything
against anyone. Every All I said was

1464
02:00:15.079 --> 02:00:17.439
you will have a much better chance
of not getting it if you have a

1465
02:00:17.479 --> 02:00:23.279
strong immune system. And I was
censored by Facebook for that. We're saying

1466
02:00:23.800 --> 02:00:28.000
that for telling people they should boost
their immune system. I swear to God.

1467
02:00:28.479 --> 02:00:30.920
False information, now, you know, I mean, we can joke

1468
02:00:30.960 --> 02:00:36.600
about it, but it's so ridiculous, you know. Immunity, I mean,

1469
02:00:36.640 --> 02:00:42.279
an immune system is a good thing. And I did everything that doctor

1470
02:00:42.319 --> 02:00:45.319
Grossman told me, and I had
corset and I had my regimen with vitamin

1471
02:00:45.359 --> 02:00:49.560
D vitamin see just as I have
now. And I was literally people were

1472
02:00:49.840 --> 02:00:55.000
Deputy Doc one day, were sneezing
on me at my house, sneezing on

1473
02:00:55.039 --> 02:00:58.960
me. I could feel a moisture. And he calls home that night and

1474
02:00:59.079 --> 02:01:00.640
calls it's, Oh, oh my
god, Tom, I'm sorry, I

1475
02:01:00.680 --> 02:01:04.000
have COVID. And I'm thinking,
oh, okay, I'm going to get

1476
02:01:04.039 --> 02:01:08.439
it. Never got it, never
ever got it. And I've been I

1477
02:01:08.560 --> 02:01:12.000
was. I was flying my helicopter. Another guy had COVID. He calls

1478
02:01:12.039 --> 02:01:14.159
me, Tom, I have COVID. I said, okay, I'm going

1479
02:01:14.199 --> 02:01:15.720
to probably get it. This time. I didn't get it. I'm not

1480
02:01:15.760 --> 02:01:20.800
saying I'm superman, but I just
did everything I could to enhance my immune

1481
02:01:20.840 --> 02:01:25.000
system, and I think it helped. I'm not saying it secure all,

1482
02:01:25.039 --> 02:01:30.359
but it helped. Mike, do
you do stuff for yourself? Well,

1483
02:01:30.439 --> 02:01:32.560
let me let me ask your gift. I mean. There was a nineteen

1484
02:01:32.680 --> 02:01:43.239
ninety nine Grama Gramma Cura of American
Medical Association study of like guid to Maria

1485
02:01:43.359 --> 02:01:53.279
ten thousand or thirty thousand participants that
said I showed a significant drop in cancers

1486
02:01:53.600 --> 02:02:00.680
and other diseases of the people that
were taking selenium. You I don't know

1487
02:02:00.720 --> 02:02:08.399
about that study, but you know, yeah, selenium is certainly that was

1488
02:02:08.439 --> 02:02:12.039
one of the ones doctor Grossman recommended
as well. For sure, for sure.

1489
02:02:12.319 --> 02:02:15.880
You know, there was a more
recent study during the COVID days of

1490
02:02:16.920 --> 02:02:20.520
you know, people who had higher
amounts of selenium in their soil, you

1491
02:02:20.520 --> 02:02:24.520
know, in a certain region of
the world, and they had fewer you

1492
02:02:24.560 --> 02:02:29.199
know, incidences of COVID right and
coursitan. And the same for vitamin D.

1493
02:02:29.319 --> 02:02:32.279
I mean, they're ninety percent of
people who were hospitalized with COVID and

1494
02:02:32.319 --> 02:02:38.720
died had a vitamin D deficiency I
know of them when you talked about Yet,

1495
02:02:38.880 --> 02:02:43.439
if you talked about taking vitamin D
to help boost yourself, you were

1496
02:02:43.520 --> 02:02:47.159
censored. I've never gone through a
time like that in my life where talking,

1497
02:02:47.600 --> 02:02:51.800
you know, I wasn't. I
wasn't trying to harm uh Pfizer,

1498
02:02:53.239 --> 02:02:57.000
their their their glove child. I
wasn't trying to harm. Go with a

1499
02:02:57.039 --> 02:03:01.079
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02:03:01.119 --> 02:03:09.079
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02:03:09.199 --> 02:03:13.800
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02:03:16.359 --> 02:03:20.239
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02:03:20.319 --> 02:03:30.319
list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

1505
02:03:34.960 --> 02:03:39.279
Hi Tom Martine here, let's go
to uh, Scott, Scott?

1506
02:03:39.319 --> 02:03:42.720
What is your issue? Scott?
Welcome to the show. Yeah, yeah,

1507
02:03:42.760 --> 02:03:46.159
Tom, just's Scott again. I
dropped right before though, Yeah,

1508
02:03:46.199 --> 02:03:50.359
what did you what did you need? Anything specific? I wanted to ask

1509
02:03:50.399 --> 02:03:55.720
that doctor, Yes, doctor Kell, do think what does he think of

1510
02:03:55.880 --> 02:04:02.920
a holistic going down to Mexico and
doing three weeks of treatment? I don't

1511
02:04:02.920 --> 02:04:09.159
even know what what is the treatment
though, Scott. They do some kind

1512
02:04:09.159 --> 02:04:13.079
of pills and you spend three weeks
down there, and they take you up

1513
02:04:13.199 --> 02:04:16.439
all of the sugars and you name
it. Well, Scott, I don't

1514
02:04:17.479 --> 02:04:21.000
think he can comment on a specific
treatment, doc. I mean, but

1515
02:04:21.000 --> 02:04:25.600
but no matter what, getting off
of your sugars is not going to be

1516
02:04:25.640 --> 02:04:30.239
a bad thing. Yeah. Yeah, and another thing I'm doing ex standy

1517
02:04:30.520 --> 02:04:35.560
and I'm just wondering what he thinks
about that. Yeah, I don't know

1518
02:04:35.800 --> 02:04:42.720
about that particular medication I can.
I can certainly tell you that there are

1519
02:04:43.039 --> 02:04:46.720
a lot of studies, you know, showing that when you cut out sugar

1520
02:04:47.279 --> 02:04:55.560
you can help with cancer processes.
I'm not saying sure or anything like that,

1521
02:04:55.680 --> 02:05:01.800
but you know ketogenic diets, cutting
sugar very drastically can help decrease the

1522
02:05:01.840 --> 02:05:08.359
growth of some chancers. Just be
careful, Scott when it comes to searching

1523
02:05:08.399 --> 02:05:13.000
for treatment right now, because you're
vulnerable, because you're looking for something,

1524
02:05:13.039 --> 02:05:15.840
and I just don't want to see
you ripped off. In Mexico. I'm

1525
02:05:15.840 --> 02:05:19.720
not saying they will rip you off, but they don't have the controls that

1526
02:05:19.760 --> 02:05:24.199
we have here as far now.
Sometimes we have too many controls. But

1527
02:05:25.000 --> 02:05:29.279
just be careful. Look, you
can do all of that healthy stuff for

1528
02:05:29.319 --> 02:05:31.479
yourself. And I'm not sure what
kind of pills they have or anything.

1529
02:05:32.279 --> 02:05:38.399
And unless you have solid references of
people that you actually know, I would

1530
02:05:38.479 --> 02:05:45.920
kind of be very cautious. John, John, it's all about blood flow

1531
02:05:45.960 --> 02:05:50.760
and lower lakes. What's going on
the way the arteries that's got claque built

1532
02:05:50.840 --> 02:05:58.119
up or what they call pad,
the blood flow of the lower lakes going

1533
02:05:58.159 --> 02:06:01.800
some decaps down. Yeah, Yeah, it can happen. Doc. Yeah,

1534
02:06:01.880 --> 02:06:05.439
that's that's a difficult situation. And
usually, you know, when people

1535
02:06:05.479 --> 02:06:12.119
have peripheral arterial disease, they've also
got it everywhere else. I mean,

1536
02:06:12.119 --> 02:06:15.720
that's just true. You know,
if you've got plaque in your heart,

1537
02:06:15.840 --> 02:06:17.119
you've got some of it in your
legs. But if it's in your legs,

1538
02:06:17.159 --> 02:06:25.199
it's usually pretty progressed. There are
certainly medications that can help improve blood

1539
02:06:25.239 --> 02:06:30.199
flow to the legs, and also
medications that can help with cardiovascular disease.

1540
02:06:30.680 --> 02:06:35.680
You know, I would certainly be
thinking about if you don't have one,

1541
02:06:36.279 --> 02:06:43.760
see a vascular specialist, a cardiologist. You know, we certainly help people

1542
02:06:43.800 --> 02:06:47.439
with cardiovascular disease in our practice.
But it sounds like you've got a you

1543
02:06:47.479 --> 02:06:49.880
know, a fairly significant case.
Yeah. I have a quick question.

1544
02:06:50.159 --> 02:06:57.439
Did anyone actually do an exam with
any kind of imaging to see the plaque

1545
02:06:57.479 --> 02:07:00.279
in your legs or are you just
surmising you have that or concluding you have

1546
02:07:00.640 --> 02:07:14.000
They did, Okay, okay,
okay, and at side. Yeah,

1547
02:07:14.039 --> 02:07:16.920
that's you know, I was just
curious they did They tell you, John

1548
02:07:16.960 --> 02:07:23.239
though, that it's most likely showing
up elsewhere as well. No, well,

1549
02:07:24.119 --> 02:07:28.079
it's not going to be usually just
in your extremity, Sir, you

1550
02:07:28.199 --> 02:07:30.960
might you might want to see a
good listen, a good holistic clinic,

1551
02:07:31.399 --> 02:07:35.039
along with a cardiologist who knows what
they're doing. There are some pretty advanced

1552
02:07:35.079 --> 02:07:41.560
cardiologists. We have some good ones
right here in Colorado that can help you.

1553
02:07:41.600 --> 02:07:45.520
But but don't just treat the legs
man. Yeah, I would be

1554
02:07:45.359 --> 02:07:48.640
if it were me, I would
certainly want to know, you know,

1555
02:07:48.760 --> 02:07:55.640
do I have coronary artery disease as
well? Right? So you know,

1556
02:07:55.680 --> 02:07:59.600
if if there hadn't been any kind
of examination of your heart health, I

1557
02:07:59.640 --> 02:08:01.960
would I would encourage that at least
at least, you know, do some

1558
02:08:03.039 --> 02:08:07.239
things to rule it out. Yeah, all right, that's doctor Grossman.

1559
02:08:07.319 --> 02:08:11.800
I mean doctor Kelly with doctor Grossman, doctor and that's Grossmanwellness dot com three

1560
02:08:11.800 --> 02:08:16.079
oh three two three three forty two
forty seven. Hey Marshall, I saw

1561
02:08:16.119 --> 02:08:20.960
you there with your car issue.
Hold on, please go with a sure

1562
02:08:20.039 --> 02:08:24.560
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1563
02:08:24.600 --> 02:08:33.720
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1566
02:08:41.680 --> 02:08:45.479
customer when you choose Frank durand the
real estate man dot com to list your

1567
02:08:45.520 --> 02:08:54.800
home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hey

1568
02:08:54.840 --> 02:08:58.079
Tom Martine here, let's I want
to talk to Donna real quick. She

1569
02:08:58.119 --> 02:09:03.319
has a question. Don go ahead, what is your question? Hi Tom,

1570
02:09:03.359 --> 02:09:07.159
Thanks for being there. When my
son was a preteen, he fell

1571
02:09:07.279 --> 02:09:11.319
and broke his leg and of course
had it set and they didn't think there

1572
02:09:11.359 --> 02:09:20.760
was any damage. Fast forward to
adulthood and he starts developing vericose veins.

1573
02:09:22.880 --> 02:09:28.479
When he was forty, he had
he had Kaiser insurance and he had a

1574
02:09:28.479 --> 02:09:31.960
blood clot. They stripped the vein, and they were supposed to take out

1575
02:09:33.000 --> 02:09:35.920
some big vein. I forget what
it's called. There is so much advancement

1576
02:09:35.960 --> 02:09:45.399
now in vain treatment for legs.
Yeah, so, and anyway, Kaiser

1577
02:09:45.439 --> 02:09:48.159
didn't do it. So ten years
later he has the same problem, the

1578
02:09:48.199 --> 02:09:52.479
same leg. So they take out
the vein that they were supposed to take

1579
02:09:52.520 --> 02:09:56.920
out and strip the vein. What
does that do to the rest of the

1580
02:09:58.000 --> 02:10:03.039
veins in his body. Yeah,
pretty much. I mean basically, when

1581
02:10:03.039 --> 02:10:09.760
you you know, when you take
out a vein, you have so much

1582
02:10:09.960 --> 02:10:13.199
collateral circulation depending I mean, yeah, you can't take out the most major

1583
02:10:13.319 --> 02:10:18.239
vein and expect nothing to happen.
But you know, when you take out

1584
02:10:18.279 --> 02:10:22.399
these varicose veins, you have a
lot of collateral circulation. And you know,

1585
02:10:22.439 --> 02:10:28.760
your your body's really good at creating
new blood vessels, you know,

1586
02:10:28.800 --> 02:10:35.479
over time. So I would hear
that and think really nothing of it.

1587
02:10:35.239 --> 02:10:37.479
Yeah, you want to get rid
of those, You want to get rid

1588
02:10:37.520 --> 02:10:43.560
of those veins because they will cause
problems. Yeah. Yeah, Well,

1589
02:10:43.600 --> 02:10:46.079
and they got rid of this.
I want to call it uanymous, but

1590
02:10:46.119 --> 02:10:50.239
that's not what the name of the
of this big vein was that they finally

1591
02:10:50.279 --> 02:10:54.359
did get rid of. And I
imagine there's one in the other leg two.

1592
02:10:56.560 --> 02:11:01.640
They said that it was probably either
that probably this particular vein was knit

1593
02:11:03.039 --> 02:11:09.840
by the broken bone and that's origination
of the injury. Yeah, yeah,

1594
02:11:09.920 --> 02:11:13.960
yeah, that sounds right. Well, I think though, you were doing

1595
02:11:13.000 --> 02:11:16.560
the right thing. And as he
said, I mean people, people are

1596
02:11:16.600 --> 02:11:20.439
doing it all day long. They
do it just for cosmetic reasons, for

1597
02:11:20.439 --> 02:11:22.920
goodness sakes for sure. Hey,
Mike, what is your Do you have

1598
02:11:22.960 --> 02:11:26.279
a quick question? Mike, Yeah, I'm just one of your guest's opinion.

1599
02:11:28.079 --> 02:11:31.399
The number one death being cancer and
the number two being obesity, and

1600
02:11:31.920 --> 02:11:37.880
the number one cause of cancer being
obesity. I wonder what your guest thinks

1601
02:11:39.079 --> 02:11:43.960
of the potential future of the jail. Right. I'm sorry, we're out

1602
02:11:43.960 --> 02:11:46.159
of time, and I don't know
if we're buying the premise that the number

1603
02:11:46.159 --> 02:11:50.760
one cause of cancer is obesity.
I'm not sure that, but anyway,

1604
02:11:50.199 --> 02:11:54.079
doctor Kelly, it can't be good
for you, right, that's for sure.

1605
02:11:54.199 --> 02:11:56.520
Thank you for being here. I
appreciate it. Sorry, guys,

1606
02:11:56.359 --> 02:12:01.399
we got we're out of time.
Remember save all your problems for me.