Yeah, rip news. You need advice, so you don't help come running
just as fast as we can. Shooter's gonna help come MANX is the Troubleshooter
Show now Tom Martino, Hello, Tom Martino here, welcome to the show.
Three oh three seven one three Talk three oh three seven one three eight
two five five. So tell me this what is on your mind? And
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three oh three seven one three talk seven one three eight two five five.
You know I've been doing this particular Friday edition of the show for the forty
five years I've been on the air, and I disagree, And know what
did we start it? You did Computer Friday for probably one year and around
ninety four and all year right, I did do Computer Friday. And then
by the way car the car day. There there's not one person after all
this time that ever says it right. They call it car Friday. It's
not. It's car Day. It's on Friday. I've never called it car
Friday in my life, but everyone else does. Everyone does, including you,
Right, Ken, I thought it was car Friday, and okay,
you're no longer allowed to go. I agree with Kevin, it's car Friday.
So should we change? Hey, Doc, should it be car Friday?
Yeah, like he's the car Friday. Thank you. Okay, though,
it'll be car Friday. Stephanie always says car Friday and I say it's
car Day. Well then there's your defining answer. All right, So now
it'll be car Friday from here on out. And I'm going to also take
your calls on car Friday about anything, so it doesn't just have to be
cool. You know, one of my favorite days of the week has become
manic Monday because it seems like all the crazies crawl out Mondays. Do you
think so? Oh man, it's nuts? Our Monday's the day Monday?
The lady said, you think does full moons really have an effect on people?
Do you think? I think so? No, that's crazy. Why
why do you say that we very seldom get. Do they have an effect
on the tide. We very seldom get full out, they have an effect
on the tide. The moon is still there whether or now. Let's see
it. Mark, we got a problem here with Paul. I want to
take up. We took it yesterday. This is an age old problem.
We have tackled similar problems like this before, and you'll know it when you
hear it that we've handled the situation before. I'm not talking about this particular
person. Hey, Paul, welcome to the show now, Paul. Paul
called yesterday and said his friend had a insurance claim with Farmers Mark, so
he recommended Matt a Paragon services. Good recommendation. Matt's a great guy and
Matt will tell you if he can help you or not. Apparently Matt got
involved and they sent a settlement check. Farmers did, but they sent it
to Matt, right, Paul, Right, Yeah, yeah, always,
and that's normal when you're working with representation, which is a public adjuster.
Right. So then Matt turned around and mailed it to the consumers. Yeah,
somebody cashed it, right, somebody intercepted it and cashed it. When
you say this is the part intercepted it. Now, the question is,
and we've gotten this before more not not with Matt, never before with Matt.
We've gotten this before with business after business after business. Once that check
is sent out, whether it's a refund, reimbursed, damages, settlement,
whatever, Once the check is sent out, if someone intercepts it and the
consumer doesn't get it, who's responsible. Now the friends say Matt never got
got it to us, Mass, I answered it. That's the question.
So what I want to ask this, here's the bank screw up letting someone
cash it. I'm going to make a declaration here. That's a good point,
too, Mark, a very good point. Who is it made out
to? Do we know? Paul? You know, I don't know.
I probably Matt. We need. The only reason I believe I'm correct in
this is because I've dealt with Matt numerous times. Matt's name on it or
whoever, the public adjuster, the mortgage company, if you have one,
then the homeowner. So would Matt have endorsed it and sent it on it?
Could be that's how Matt does it. Let's get Matt on the phone.
But here's the point. Here's the point, Paul, I'm just going
to say it like it is. If Matt or his people cashed it,
he's responsible for fraud which didn't happen. No, I know you're not.
I know we're talking about We are talking about hypotheticals. If he cashed or
one of his people, and then he's responsible. If it was stolen out
of the mail, you got two people responsible, the person who stole it
and the bank for cashing it. Okay. Now, banks don't get a
free ride for cashing stuff that's wrong. They don't get a free ride.
The other thing is this, Obviously, if the homeowners did nothing, they're
not responsible for anything. You're certainly not responsible for recommending Matt. But I
will say this, if the homeowners feel that Matt is responsible no matter what,
well he's not unless he was in on it. So how do they
feel. They're just putting heat on me saying that, well, you got
this guy involved. Okay, So what did this guy do wrong? Here's
what I want to know. Did the guy do something wrong? If he
did, then he should pay up. Yeah, But did he that's the
point. Did he do wrong? No, Matt. I last I talked
to Matt was about a week and a half ago, and he said he
was going to call his attorney, and I haven't been able to get through
to Matt since then, so I don't know where we're at. Well,
there's no need to call an attorney. I don't see what Matt I mean.
I mean, I'd like to talk to Matt. I would assume the
not the caller, but the homeowner whoever maybe threatened legal action against him so
he turned it over. If Matt lied and did not mail it out,
you know what I'm saying, I'm talking in generalities here. If he did
something wrong, I'm almost I'm not almost. I am positive he didn't.
So if someone sent out a check, okay, Kevin. Let's say you
did a repair and you were and the consumer paid you, and then the
warranty company came through and sent you a check, you would send it to
the consumer. Let's say you popped it in the mail. Let's say somebody
stole it. Are you responsible? Of course you're not. No, once
it's in the mail. No, I mean, this is a messy situation.
Now, certainly, well, we got to know who the hell cash
did? How come that's just not coming up? Well, they well,
first of all, how did they cash it? That's what I want to
know. It has to be in somebody's account. There's fraud going on on
the back of that check. The information we needed somewhere, how come we
don't have they obviously they obviously put this guy. They might have put this
guy's name on it, you know, not their own name. But where
did the money go? Was it cash for cash? Was it cash for
credit? I mean without any information, Paul, we can't help. Did
it go into an account? If so, whose account? There's the guilty
person? Follow the money and I think it's State Farm, not Farmers.
I never saw any checks from them. I did get paid for part of
my work, but from the home. Here's what I want to ask.
Where did it go? Was it did? An investigation should supposedly, and
that's what they called the homeowner whom I talked to you about two and a
half weeks ago, and they said that they're not responsible for any further famous.
State Farm is not responsible. I'm not asking that, I'm asking where
the money went. I have no idea. Well, then we can't help.
How much was it? If it went into Matsive count Okay, Now
the police should want to look into this. It's a crime or the DA
Okay, so if I can talk to your homeowners. Until then I can't
do anything. Hey, I need to State FUM get the canceled check back.
Yeah, that's how they know it was cash. Well, then they
should be able to figure out who can. But no one's doing it.
And again, Paul doesn't know and they don't know if it did. First
of all, did someone actually get twenty nine thousand dollars in checks in cash
greenbacks? I doubt it? So how was the transaction done? That is
where it takes an investigation. They can even hire a private investigator. But
this is a crime. It is a crime we can't get We don't know
where Matt is. He's not around. But what do you do in a
case like this? You follow the money state Farm? Or did you say
it was State Farm? Are you? They should be willing to investigate this,
Okay, they should be willing to. If State Farm doesn't invent,
why wouldn't they investigate it to see where the money went. The banks should
also be willing to investigate it, and maybe they need to hire an attorney
to get after them to do it. But this happens all the time.
Whose fault is it. It's the person who took it. I mean,
I don't know what to say. It's the person who took it. I'll
be curious how the mortgan I'll be curious how the mortgage companies. That's what
I want to ask. I want to ask Matt. Was the check made
out to three people? Was it made out to the mortgage company? Was
it made out to Matt and to these people who signed for the mortgage company.
There was massive fraud. The district attorney should want to get involved.
It's twenty nine thousand dollars. I mean, they should want to get involved.
Now, it's probably not as serious as a crime as doing, you
know, as Trump does. It's probably not as serious of a crime of
feeding homeless people and being told by the city you're violating health codes. It's
not probably as serious as that when it comes to the city and the county
and the states in Colorado, the sewer of the country. But it is
a crime, and I think I think we are still investigating crime. I
might be wrong here, I might be wrong. Now, George needs some
advice on HVAC. We'll do that coming up up. I'm Tom Martino,
waterpros dot Net will get you the best water systems at the lowest prices,
and there's no there's just no doubt you'll never do better. Three oh three
eight six two five five five four. I went through, Uh where was
I? It was at a store and I saw this just display for a
water softener. Fifteen grand. Doesn't even soften water. Fifteen grand. That's
like three times the cost or four times the cost. Unbelievable and that and
by the way, there's financing available to three oh three eight six two five
five five four. Go with a sure thing Denver's best roofer Excel Roofing dot
com. You don't pay a cent until you're content. Time for an insurance
check up free, no obligation. In comparison, call Compass Insurance paying too
much your coverage at dozens of insurance companies find out now three oh three seven
to seven to one help. You'll think you're his only customer when you choose
Frank Ran the real estate Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two. I'm Tom Martine. You're
a troubleshooter. Today is car Day Car Friday, and if you have a
call three all three seven one three talks seven one three, eight two five
to five. Now, Paul, hold on, I want to hear about
that check for aud George, you need advice on HVAC. What's going on,
George? Good morning? Uh? Yeah, I have a Linux heater
and the blower motor just went out and it's uh I got one quote for
sixteen hundred to replace it. It's ridiculous, isn't it. I mean,
sometimes these prices listen, but everything I'm not saying ridiculous like bat or illegal.
I'm just saying prices in general have gone out the roof and there is
no bargain to fix things. But the motor was sixteen hundred bucks. Did
you get any more bids? Well, I've called I think it's elite and
they're gonna give me one. How'd you well, who's elite? I thought
I thought it was you? Okay, Elite Okay, I'm sorry, Elite
mechanical, right, Elite mechanical got it? Okay? And then did you
call any of the other guys plumb line fix it? Uh? Eight?
Aight a heating any of those? No, plumbline was my next one,
you know, when they said sixteen hundred. I remember listening to your show,
and you can get both ACN heater for just over two thousand. I
think, wait, what are you talking about a system? Yeah, that's
what I thought. I if you can find if you can find a furnace
in AC system for just over two grand I want you to tell me who
it is, and then we're going to go find where he's stealing the stuff
first, okay, and then we're gonna put him on the referral list if
he's not stealing. No, I must have I must have heard it wrong
because I thought I heard you know, listen, I would love to believe.
See, this is what we get. We get all the time,
people complaining about prices. We do, but not just from one company,
from everyone. Everyone is complaining about prices in HVAC. Everyone. Okay,
when I say they make a great value, good deals, blah blah blah,
it's not cheap. Nothing's cheap ever cheap nothing. Now, the only
person we found to beat the system, to literally beat the system, and
we don't know how he's doing it is you're all plumbing for water heaters.
You know that he's doing water heaters for thirteen ninety nine for forty gallons fully
installed fourteen ninety nine for fifty ouns. I don't know how he's doing it.
In fact, other plumbers don't know how he's doing it. And then
we have Paul the waterman. He's beating the system when it comes to water
filtration. All that. I think it's because they're small enough they can still
do it. They don't have the giant overhead. But you're not gonna find
cheap. Now, you're doing a wise thing by shopping around. And of
course there are people that would just buy the part online and have somebody else
installed. There are people that do things like that. I'm not totally opposed
to that. You know, they're not difficult and I'm not telling you to
do it. They're not difficult to do. Okay, so I'm gonna I
would wait for a euro and I'll also call it plumb longe, not Euro.
You didn't call euro. I don't think Euro does avacy, they're just
plumbing. Yeah, I'm sorry. Yeah, would you call us back,
let us know what you end up paying. Yeah, yeah, that's what
I said. Call eight eight eight heating, see what they can do.
But but again, you're not gonna find I don't think you're gonna find cheap
in today's world. It just it just doesn't happen. Okay, I'm gonna
be straight with people. Nothing's cheap, nothing, and be suspect if it's
too cheap. Now, Paul's got a comment on check fraud. Now,
Paul, is this about what we were talking about mailing a check and all
that or is it something that came up with you? H it's what you
were talking about. And okay, and you're not the one You're not the
one involved, right because it was also a Paul, Okay, go ahead,
correct, Yeah, I mean this is very straightforward. In writing the
individual impacted has to write with an email or certified mail whatever to the individuals.
And I only caught the end. Whoever sent the check, whoever wrote
the check was responsible for paying them. Okay, well, okay, State
Farm wrote the check and then and then sent it sent it to the public
adjuster. That's fine, but it's State Farm that is responsible. It's their
money responsible for proving that they oh that they paid the person. I see
what you're saying. Now, that check and both sides of the check and
it'll say the routing the bank in the account that it was cash into.
Once he gets both sides of the cast check, which they have to specifically
in writing, none of this nonsense over the phone, then he goes to
the bank. If it's not if his signature is not on it, then
he has to go to the bank that cash the check and communicate with them
again in writing. We provide that proop and say this isn't me because banks
are as you know, benchs of notorious. They don't check signatures if it's
deposited, uh, you know, with take a photograph and deposit, they
don't. They just don't bother. They just cash. Pass on the loss
of these fraudulent transactions. And if the check is meant, and that's been
going on for many decades, if the check is made out to two people,
then it has to be deposited. Every check that I get from an
insurance company, it has to get the power. It cannot be cashed,
and both people have to be present at the teller when you deposit. I
that's just wrong. That last part's wrong. Well, I've never had you
up till the no, no, no, I we agree with everything you
said, but you don't have to have people present when you deposited. Ye,
I'm telling you the US Bank requires it when they when you get an
insurance check, both people have to present IDs so they can check the signatures.
What what do you mean both people? What do you mean by I
don't understand. Maybe your banker shows up, your insurance company shows up,
if your mortgage company has to endorse it, and the insurance adjuster has to
endorse it, and you have to endorse it, all three of you have
to be at the bank. No, he's saying, like husband and wife,
if you got it, I got it, sir, I got it.
Yeah. Yeah, Hey, Paul, listen forward. I like what
you're saying about. State Farm has to literally really proved they paid, and
just showing a canceled check doesn't prove they paid because they could have given it
to their friend, but it shows who endorsed it. Just like he said,
there's your evidence. Yeah, but then they are the ones to investigate
it. They are the ones, and I agree with that, Thank you.
Paul. Three h three seven one three talks seven one three eight two
five five. This is terrible. It's just absolutely terrible. And what if
it happened to you and it's not going to be a deal where it's a
remote deposit, like through a phone. Someone went and cashed this check,
or didn't cash it. Someone went and deposited this check. Now, we
have had other things happen like this. Listen to this one. Your owed
money from a vendor. Okay, your owed money. The vendor wants to
pay you. Someone sends the vendor an email saying here's your invoice. Okay,
they think it's coming from you. Your vendor thinks it's coming from you.
They hit the paylink and make a payment. We had this happen to
someone seventy thousand dollars worth. One caveat it was coming from them. They
hacked into that guy's email. Yeah, but here's what I wasn't going to
give that away yet. I was going to say, under different scenarios,
who's responsible? But in any case, the vendor paid the bill. Now
there, your email was hacked. Is it your fault that your email was
hacked? Is it your fault? And furthermore, did the vendor do was
the vendor reckless in not checking that pay link? I mean, really,
if you get a paylink, how many times have you hit it and paid?
What if someone else is sending you that email. Who is responsible?
This has happened more than once. Who do you think, Mark, do
you think that if you or us, if we had our email hacks?
Courts have already answered this question. Well, I don't know how they yeah,
And basically what they say is whoever is most responsible? Oh? Well
yeah? But who is different in every circumstance. I mean, if the
if I simply get a pay link in my email and I pay it,
can I claim I paid my bill and the vendors and my person says,
oh, you didn't bad. One happened with the car company, a car
dealership that worked with another company for a long time and they would buy twenty
thirty vans at the time, the money was wired from that other company that
the car dealer sent the invoice for twenty vans or whatever it was, and
it was bogus. Someone broke into their computer system and sent it out.
In that particular case, they were saying the company that wired the money was
not responsible and they got to keep the vans. Basically so, but it's
different in every circumstance. God. And the reason they said that is someone
literally broke in to their computer system and sent the invoices from there. It's
not like they changed anything. They basically sent the same victims of crime,
with the exception they did change the banking information. So should the vendor know
enough before paying that bill? Should you verify paymently? I think nowadays you
have to. Oh, there was a story where a woman got it was
AI was involved that imitated her boss on the phone. You were believed that
orally she was verifying the transfer with Oh my god, yeah, it was
millions of dollars. I mean with AI, we're in for a lot of
trouble. Three oh three seven one three eight two five five. Go with
a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens of insurance companies find out
now three oh three seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero sixteen twenty two. I'm
Tom Martine, your troubleshooter three all three seven one three talk three oh three
seven one three eight two five five. Okay, the next frontier for war
will be space. Right now, the Russians are developing a satellite that will
block other satellites. Do you know who they want to block first? Because
of the freedom of information that it's allowing. Starlink exactly, starlink from our
friend Elon. Elon, the king of free speech and people. That's why
he's the enemy of liberals, because liberals do not believe in free speech.
Oh no, they do. No, I'm sorry. If you ask someone,
they will say, we believe in free speech, but only liberal free
speech. We don't believe in speech that goes against the narrative, because that
is what two words, either hateful or dangerous. So they don't believe in
hateful or dangerous speech. What is hateful or dangerous? Anything they call hateful
or dangerous. And by the way, just since I'm in a crappy mood
about this anyway, I absolutely positively don't know how anyone justifies the prices and
the exclusivity of the Super Bowl. I mean, the new word now is
inclusivity. Well, tell me where the chief seats were? Well, that's
what you're referring. You know, so you know your MIC's not on.
But that's not a bad thing for me. But it's not on, doc,
I mean, but I think they just put it there just so you
felt good. Why isn't his Mike working there? Chan? And is there
is that by design? Did Mark flip you a twenty? Go ahead,
my doc right now? Can you have me? Now? This is Mike
on Okay, go ahead, job. I'm just gonna say, it's a
private company. You might as well be against any company saying price on the
product. What do you mean? What do you mean? Well, you're
talking about the exclusivity and the prices of the Super Bowl. NFL is a
privately held company. You might as well complain to test. I'm not complaining,
by the way. I'm not complaining that it's exclusive. I don't care
if it is. They have a right to be exclusive. But what I'm
saying is so many places have been attacked for being exclusive, not being inclusive,
that's all. That's all. It's because a lot of the hollywoods and
those people go a lot of the old sports. They're all there. The
cheap seats at the oscars. Nowhere That's what I'm getting at. You'll never
do away with exclusivity, is my point. I'm not saying we should.
It's tongue in cheap. Why do I think get rid of it? Oh?
God? Anyway, So I I think that we're never going to get
here's what We're never going to get rid of. Rich people and poor people.
We're never going to get rid of exclusive and inclusive. Well, we
should get rid of No, seriously, we should get rid of, you
know, the racism and all that bull crap. And I think we're doing
a good job. I really do. I mean, I really do.
I think the only people that that keep that alive are the people that need
that for their coffers. They need that for their for their troops. They
need to rally people around something, and that seems to be a good thing
to rally people around. Tom I have a question for you. I have
never once, honest to god, never once heard a politician in the last
fifteen or twenty years, ever preach against a black person for being black or
anything black, or anything Asian or anything anything. I've never heard it.
Ever, that's how you would define that. But I've never heard anything that
I would that I would interpreted I'm a white guy, so that's weird,
but that I would interpret it right on said black. If you don't vote
for me, how would you look at that? I don't know as stupidity.
I don't know. Okay, here's what I want to know. Though,
I am willing to listen, honest to God, more than anyone else
I think on the radio. I'm willing to listen if you can show me
examples truly. Now, I want to hear examples, real examples of hate,
real examples of hate, not from the fringe left and right. We
always have crazies. I'm talking about mainstream politicians, all of them. I
want to hear a real example of hate or racism, or sexism or agism.
That's what I'd like, because I think that we just grab onto these
things to keep our cause alive. Okay, three oh three seven one three
talks seven one three eight two five five. So cars that go over two
hundred thousand miles routinely, routinely, you want to know. You want to
know the ones that make the club top of the list. Got to be
Toyota. You're absolutely ding ding ding ding dinge. He gets my dinger on
car front. It's got to be a diesel right now, it's not Toyota
Camry. It routinely will hit two hundred thousand miles or more. But the
second one is also Toyota. And I did not realize this car is known
for longevity. Corolla. No, I'll give you a hints exactly, Doc
Prius. You see him out there, they look yell, he's right.
I didn't. I wouldn't have guessed that at two hundred thousand. Anyway,
we got more of those coming up, plus your calls. Three oh three
seven one three eight two five five. By the way, Ideal Home Loans
is still doing home loans, and I want you to remember something. These
guys are the only ones with the interest rate guarantee. So if you get
one now and rates go down, they refinance your free of charge. Three
oh three eight six seven seven thousand. Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't pay a cent until you're content.
Time for an insurance check up free no obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurance companies find out now three oh three seven
to seven to one. Help. You'll think you're his only customer when you
choose Frank durand the real estate man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino,
your troubleshooter three all three seven on three Talk seven one three h five to
five. President Trump uh did address the nation. Excuse me, President,
Oh my god, what a what a Freudian slip that was President Biden.
I'm right up there with Biden. President Biden just addressed the nation on the
Navonney death, and he chided uh Putin for killing political enemies and said,
what you really should do is muck them down in legal investigation. Just try
to jail them. You need to indict them. You don't kill them.
You just indict them, or you sue them or to the Gulag, you
know. So that's the way to properly deal with political enemies is you weaponize
your justice department and get all the local sorrows, district districts, uh the
district attorneys to uh bring charges, and then you you weigh them down with
legal stuff. That's I'm so not kill them. Do not kill them I'm
just in a crap eating mood today. I don't care, and I'm on
my d I'm starting my d gas tour. I decided you're what d gassed
tour d G A S T. And now anyone who comes up with the
answer will get a prize. But that's my tour. You're d gas Tour
d G A S T. You're no longer going to pass gas in studio
hopefully. Anyway, we have an Oil League issue. Today is car Friday
as I was as I was corrected, It's not car Day's car Friday.
And Doug wants to talk about his uh twenty twenty three Dodge Ram. By
the way, Dodges in general, they've improved a lot, haven't they,
Kevin. I mean, remember they were they were a third when it came
to quality trusts. They were at the bottom, and they're still below Ford
and Chevy. You think so, Yeah, they're maintenance and all that closer,
did you see, by the way, and Doug, your next go
ahead? Doug, Okay, Well, what I've got is a new twenty
twenty three Ram. Like you said, change the oil, easiest oil change
I've ever done. Now it's leaking oil like crazy. Well, don't you
think it's something you did? Oh? Yes, yes, it's definitely something
I did. I'm not blaming on anyone else. Okay, No, what
do you think you did? I mean it could be something very simple,
right, keV? Yeah, you could have a double O ring on the
oil filter, in a wrong oil filter, or anything like that. I
don't know what do you think of it? Where where's it leaking from?
Doug? Can you tell? I can't. Tom. I've gone back and
I've gone and replaced the filter and went to NAPA. Got that it's not
a double O ring. I did have the original low ring in the wrong
position, so I moved that. Uh, I'm not overtightening it. But
man, I just went out for two mile dry, got my old oil
pressure light on. What it's it's that bad? You're not getting pressure.
The oil pressure came on and in three miles the oil pressure gauge almost went
to zero. Well, geez, cad, what that that's? I don't
know? That's that's something needs to be looking. There's something in that filter,
something go through it, something's not right in the filter. Have you
you Why don't you just try changing out the filter again? He did Oh
wait wait did you change out the filter again? Oh yeah, I went
back to NAPA. They comped me one. No, fully go with a
sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent
until you're content. Time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your coverage at dozens of insurance
companies find out now three all three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh three nine two zero sixteen
twenty two. Yeah, friend in need, ad, that's who you don't
have. Come running just as fast as we can. Shooter's gonna help.
Come man, this is the Troubleshooter Show. Now Tom Martino. Hey,
I'm Tom Martino and I am here to help you solve problems, answer questions,
take complaints. But first I want to say, what's that? Uh?
I'm just privileged to have Kevin Spacey here firm shared in auto Tech.
Kevin, thanks for being here, and Mark father John to You're right,
Yeah, yeah, that's right, and Father John and Sissy Spasic saying,
sus Susie Spasic. Anyway, we shouldn't. We really shouldn't make fun of
the elole, since I'm one getting closer to you. No, but that
brings up a very true interesting topic. I know people your age, maybe
a little older, a little younger. Let's let's take some of the ones
younger, say sixty eight, that appear and act like Joe Biden like they're
eighty. So there, and then we know people eighty who act like they're
sixty. That's exactly right, like your buddy one sometimes. And there's this
old guy there that's built pretty well, and I know he's in his eighties,
and it's like, how they help that even sharp as attack? What
defines it? Do you think? I think the way they take care of
themself? Well, I bet you ninety percent of it's what you're dealt.
I think you give up. I think it's whatever. Whenever you give in
to the age is when you become old. I think that's part of it.
I think something else. I think that heredity has so much I don't
yeah, the genes, right, I don't think I've ever seen someone who
is completely old and decrepit who had a youthful, young family around them.
You know what I mean. They're older siblings and parents, and they all
seem to be the same. If you ever look at a family, you
don't normally see someone who you Once in a while you'll see an outlier,
but normally they're either all healthy or they're all decrepit kind of that's don't you
find that or all medium her family? If you look at her family in
general, they are not in good shape or anything. But that's but Suzanne's
in perfect that's lifestyle. I don't think it's heredity with Suzanne. I don't
think it's bad jeans, but that's exactly. I think it all goes into
the same thing. Though it could be either or I think I think a
bad lifestyle, of course, but I think with Suzanne's her problem, I'll
bet her family could have been as healthy as what I'm saying. What do
you think? Yeah? Possibly, yeah, I think it's Yeah. I
think it's like I think lifestyle has a lot to do with it. Heredity
has a lot to do with it. Obviously, you know, being proactive
has a lot to do with it. I think you can counteract a lot
of the negative stuff you're dealt. But in general, I mean, if
you have a really bad family history, now you can beat the odds a
bit, right, But but if you're dealt genes that are just bad and
they just trigger lifestyle is everything. Oh, it's diet exer so of course
it is. Of course it is. But don't you think, though,
there's a lot of people that are prone to let's just say diabetes, and
that's purely from their bloodline that just doesn't well come up well, Type one
is the type two diabetics they seem to be. Yeah, but it does.
But he's right, it does seem to follow families because they grew up
with the lifestyle. I mean, it's hard to differentiate sometimes, but type
two is almost always people abusing themselves, you know, and then that's just
life. And by the way, that's a great segue into Grossman Wellness dot
Com. I'm serious, I could not say enough about him. I'm a
big believer in Consierras medicine. Now, a lot of people that say,
well, I can't afford it, Well, you can't not afford it.
I mean, I'll bet you you can find money in your budget for a
few hundred bucks a month. And I'm serious. I'm dead serious because that
includes all supplements, lab work, blood work, I mean, and most
of the prescriptions you need. Really But anyway, Grossmanwillness dot com. Now
Doug has an oil leak that's so bad. His oil pressure went to zero
and we still can't figure out. Now he hung up. But it's the
weirdest problem. He changed his oil and after that it happened. Kevin says,
I would trace it to the filter. Did it start did it stop
leaking at any point? No? I said no, yeh wow. He
said it's hemorrhaging oil. But yeah, he's just got to stop driving it
tow it's somewhere, get it up in the air seaway. The top two
cars for going two hundred thousand miles the Camri and the Prius, both Toyotas.
And this is a survey of past present, Yeah, past and present
owners. The Honda Accord. How about that Honda Accord And these cars are
not really expensive, by the way, the Honda CRV. Man, my
god, Toyota has another one on here, the Tacoma on the top ten
so far there's no and then the Toyota Tundra Toyota has the highest number of
highest mileage cars on the top ten list, and then another one, Toyota
Corolla, my god, and the Honda. The Honda and Toyota dominate this
list of two hundred thousand mile vehicles and they have for a long time.
Why do they have such long longevity? What was this I heard about Toyota
and sludge. Is that not true? No, not Tota so much.
Volkswagen has a problem with it. Okay, So Toyota and Honda, if
you want longevity, holy crap. Yeah, well that's why they hold their
value. You can sell a two hundred thousand miles Toyota for fifteen grand.
Yeah, I wouldn't buy one. I don't care. I don't care what
it is when you get up to that high mileage, not a good deal.
But in any case, the Toyota, Oh, this is just unbelievable
that Toyota has on the list for the top a dozen. Let's say they
have the Highland, Toyota Highlander, the Forerunner. They have the Corolla,
and they have the Tundra, and they have the Tacoma, and they have
the pres and they have the camera. My god, So, Kevin,
you see a lot of those which with a lot of miles yep. And
people spend the money and maintain them and they do. If we took a
I don't know. I can't even think of a car anymore for a Ford
Ford Focus. Could you make that last or not? Is it just you're
just doomed. It's it's it's hereditary. Like we're talking, you're just doomed.
You just what. They don't make the parts the same, they don't
ite not they have issues. Let's talk to Kyle. Kyle, what's going
on with home Depot? Hi, Kyle, Hey, it's not a it's
not a problem yet, but I just sent some mistrustion over to you guys.
So Home Depot was installing it over the range of microwave at our house.
Yeah, we had bought an appliance package so dishwash your fridge microad.
Anyway, they dropped it and it basically smashed our electric cooktop that's right below
it and the brand new one, the brand new one you just bought.
We didn't buy the cook top. That's the original cook top from when we
purchased the house. We bought the house in November, and it's with home
Depot's claims department now, but I was actually just reaching out. I wanted
to talk how old is the cook top and what kind is it? It's
a ge profile to five burner. It's probably the same age as the house.
The house is built in two thousand and two, two years old.
Yeah, it's a profile cooktop. Those are good cook tops, really good,
great exactly, And however it's not new. It's not new, and
they're you're going to be insulted. They're going to depreciate it. So what
do you think. I don't know. We got to fake you go on
and start researching the life the life span of a profile cooktop or call call
Jensen Appliance ask them. They're pretty damn good. And uh, okay,
there's another person you can ask. I just I ran across this person.
They're not on the referra list. I want to give you caution about God,
are they say? I have a contact a home depot if just give
us a call back. If there's a product, there's a problem. Got
it now, Tom, let me ask you a follow up question, Shred,
I'm assuming that this cooktop is a rhythmable house. I don't know that
I just bought this house in November. Well there's a serial number. You
can maybe find a serial number or something. Oh yeah, okay, I'll
look at that. Okay, all right, but I should expect that they're
going to try to appreciate this thing out. Yeah, and god, I'm
trying to find this one appliance guy that knows everything about everything and he can
tell you what he thinks it will do and all of that. So if
I find it, I'll give a shout out on the air. But here's
what you do, Kyle. Find out with a serial number, a data
plate, how old it is, and then go and research average lifespan.
It doesn't have to be year for year, like if it's a twenty year
lifespan and you went ten years, it doesn't have to be fifty percent.
But they're going to try that. They're going to try and and you did
you just move in? I did? Yeah? I did. Was it
working? Do you know if it's been working perfectly or not perfectly? No
issues? Everything worked wonderfully. But now it's have you looked online to see?
I know one thing you're going They're not going to buy you a new
one. They're just not going to. Okay, if you went online what
does that cost new got eight hundred dollars for similar ge profile replacement? Well,
then I think they should That's nothing, I mean compared to what it
could be. So I want to ask you, this is between you and
me. What would you be satisfied with if they came back and they said,
we'll give you a half four hundred go get a new one. No,
I would still expect them to replace it at full cost. I don't
think it should cost me a dime. Well it will, so that with
that, I'm just going to tell you it will. Even if you went
to court, it would see no one gets free stuff. And that's I
know. It's such a pain in the ass, this depreciation thing. People
say, well, I wasn't going to replace it, but you were someday
and nothing least forever and you no one owes you what they did not take
from you. Yes, correct, So it's a good question. I don't
know what I would be. You need to come. You need to come.
Well you don't have to settle just because of me either, but you
have to come to to something in your mind where you'll you're going to say,
okay, let's just get it done. Maybe six hundred you know,
and make sure that it's eight hundred. That sounds low to me for a
profile cooked up. Last question, if you don't mind, what's your do
you guys have an experience with home Depot and handling these funds. We've always
bought from those because of where we lived, and okay, home Depot,
home depots, say Costco or Sam's, yeah, are better, but home
Depots not terrible. They're not a terrible company. Okay, so call us
back, though. The warranty at home or I'm sorry, the warranty at
Costco is great because you automatically get an additional year from the manufacturers. It's
just wonderful. And the pricing is good too, even if you got to
buy a membership. But I would like to see what they come back with.
That would be curious. After this break, I just talked to Matt
at Paragon. We this is a good one. This is about the check
that was lost and they want him to make up for it because they saying
they never got it. Now, Tom's got a question on an engine on
a land Rover A twenty sixteen. We're gonna come back to that and more
coming up on the Troubleshoot go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content. Wait time for
an insurance checkup free, no obligation. In comparison, call Compass Insurance paying
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seven to seven to one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to list your home with Remax
Alliance. Three oh three nine two zero sixteen twenty two. Hi Tom Martino,
you're a troubleshooter three oh three seven one three talk seven one three eight
two five five Tom? What is going on? Tom? How can we
help you? Oh Man, Thanks for taking my call, Tom, I
appreciate it, Yes, sir. A little over a year ago, probably
about fifteen months now, I had my twenty sixteen land Rover Discovery Sport go
into land Rover at Platt Iron because it was making all sorts of noises and
the engine was running where it turned out the twin cams at bad bushings had
to be replaced and adjusted. They how many miles? How many miles on
this and what year was it. You said twenty sixteen. At the time
it had around eighty seven I think it was actually about ninety thousand miles.
Yeah, And so they replaced the timing change and a whole bunch of other
stuff. It cost me about six thousand dollars. So I said, okay,
good, And now I got my engine back. It feels good.
So it's a little past their warranty. The engine starts making these noises again,
not accelerating, not idling. Well, I take it in, I
get a diagnostic back. They have to replace the timing chain, a whole
bunch of stuff again, and I can give you the list again. How
many miles between? How many miles between those? Oh God, wish I
could tell you, but I'm gonna guess I put about ten thousand miles a
year on. So I'm gonna say fifteen twelve, fifteen thousand miles. Okay,
So that's you. You should need a timing chain again. I know
that's what I'm thinking. And the whole bill. I can run down the
list of what they want to do, and again, listen, I don't
know if it could be related to what they did or not. I'm gonna
have to, Tom, I'm gonna tell you some bad news. Okay,
I think one of the finest looking cars on the road right now are those
sports? Those land Rover sports are so cool? They're the worst? You
know, I was, I was joking about this. I was about ready
to tell these guys something during the break before you even called. There's a
YouTube video of a guy that went around and interviewed mechanics, and he asked
them about the worst cars, the worst for the money, and almost every
one of them names the land Rover. Almost Yeah, they said they're just
terrible, terrible cars. Now, Kevin, not everyone can say that and
not mean it. There must be something about it. What is it?
They're just so overcome, are they not? Are they not built? Well?
There are. It's a lot of proprietary stuff that you have to go
to land Rover for and they're they're just it's a perfect fifty sixty thousand mile
vehicle. Lease it, reuse it, send it back. Yeah, but
don't ever buy one. I'm at this point. How much are they proposing
in addition to the timing chain, what else are they proposing? Let me
go through the less real kick. Okay, so and again totally. What
what is it total right now? That you need fourteen thousand, fifty dollars?
Oh my god, taxes and fees. So they wanted to do for
eighty five dollars they wanted to do the replace. Well, you said it
was fourteen grand fourteen thousand? Yeah, that is ridiculous. Are you gonna
what are you gonna do? Man? What is the warranty? You just
had it done a year ago? What is their warranty? I had it
done, it was it was over in a year. The warranty ended in
a year for that work. That's nonsense. Yeah, yeah, I know.
I owe eleven thousand on the car. It's not worth seventeen, so
it's it's ridiculous. I'm trying. Is it worth? Is it work?
Can you sell it for what you? Well? It needs? All this
work? Did they have at this dealer? Where's what dealer? Is it?
It's flat Irons, land Rover, Jaguar. I think it is God.
Both people were done there, They've always done so I don't know what
to tell you, man, because even if you wanted to trade it,
you're gonna take it in the shorts. Man. I think so, because
I already owe one thousand, eleven eleven thousand on it's still so I just
wanted to see if maybe it was and you already did Holy crap, you
already did six thousand dollars of fifteen thousand miles ago and now they want another
fourteen Do they themselves kind of see the ridiculousness in this? Or what?
What do they say? You know what? I got the I got it
text to me. In terms of the proposal, in terms of the cost,
I haven't had a chance to go over there and talk to them yet,
but I mean, really, they have to see the folly in this.
They know you spent six grand, and they know you should need another
chain. I don't care if it's been a little more than a year.
They got to work with you on this, man. Yeah, and that's
why I'm going. I wanted to see if it's worth going to certainly not
going to blows, but but like, is it worth Like I'd be pissed.
I listen, if I had fifteen thousand miles ago a timing chain and
they have to do it again, are you sure as hell? Bet?
I would make them do it, And I'd say, look, you know,
I'm going to court on that. Go ahead. I'm wondering if that
I mean timing change, the timing chain went or went bad or got maladjusted?
Could it have couldn't create a lot of these other issues like right and
the cylinders of his firing the chargers given? Yeah, but did you have
any drive ability? Did you have any drive ability problems? Yeah? Oh
yeah, yeah, yeah, it would, it would. I mean when
when you you picked it up after six thousand in maintenance, So when did
you start? Everything ran great for how long? About a month ago?
So it ran good for about a year and a month, year and two
months? God, then it started. I don't know how they sell those
vehicles. How do they sell them? Well, I have such bad reputation.
Did you know about it? The reputation before you bought it? Be
honest, Tom, you know I looked. I looked it up, and
you couldn't have found good You couldn't have found a lot of good reviews on
them. You can't, not, not really. But I fell in love
with the Discovery Sport, the red one. It was it was a it
was an impulse buy. I had to get it, and you thought,
here's what you thought, because I had a fleeting thought for about three seconds.
Here's what you think. Yeah, I know maybe people have problems,
but maybe they don't take care of them like I will. And you know,
maybe I'll have a good one. That's exactly I'm gonna take good care
of it. You get the oil chain everything. So yeah, now it's
coming back, so let me know what they say. Let me know what
they say when you go back. But I would demand some help on this
then if you but no matter what, if it's fourteen grand, what are
you going to get out of there for seven or eight and then that's another
seven or eight you're buried in that car? Does he just try? Does
he try to keep it running until it's paid off? Well, I don't
know what the other eight grand was. We never got there. The other
six grand or six? Yeah, what was the other? It was a
timing chain? What else did you have done back then? Does any of
that work other than the timing chain? Does any of that previous work have
to be redone? They're not saying anything about the camp. They said the
camp timing is off, so that has to be done. But they said
that there's an exhaust leak from the turbo charger, so we need to replace
that for eighty five dollars plus taxes an evaporative leak from an evaporative detected pump
affection pump, So we would have to replace them. Who makes these engines?
Who makes them English? Yes? See English shoes. We should never
should be barred from the world market making cars. I'm gonna laugh about it
because it's the only thing I could do at this point. Oh my god,
is this? I have one lad an MG. Yeah, everybody loves
them, but their pieces a crap. Go ahead, Tom, there are
I got the loaner that they gave me another Discovery, and when I got
when I picked it up three or four days ago, it did not have
a cracked windshield. It now has a cracked windshield. Do you have any
idea if I'm going to be responsible? Well yes, if some of your
own insurance will fix that or right right, But if you don't have it,
they're going to charge you all regardless. He's responsible, right, I'll
run in through my insurance. Then yeah, yeah, some insurance does carry
They say something, How bad is the crack? It's about a foot long
coming out of them. There's no nick. It's not like it was with
a rock. It's coming right out of the bottom right corner and it goes
about I'm just saying about about twelve inches. You know what, bro the
land Rover gods hate you, they do. I'm an American. Now,
I know you don't necessarily have to go American, but man, you know,
but I also found out that a lot of high end SUVs now you
know, made by you know, even the German ones we think are so
good that like Mercedes and Beamers there they're better than land Rover by a law
shot. But they're they're going to turn into maintenance nightmares too. And uh
yeah, yeah, and we were just talking about longevity. Tom calls back
and let us know what they do for you. But Kevin, as we're
talking about longevity, then what can you buy that's luxurious? Pretty nice?
How about? Okay, I don't think the Hyundai a GV eighties would have
that problem, would they? No, no, they wouldn't. So you
see that and uh yeah, and yet people will spend way more money on
a Mercedes or a Beamer yep and end up with not as a good vehicle.
Some of those pricing though, you're a little off on some of those,
like that GV eighty that things. It's close to one hundred grand fully
dacked. Man. Yeah, okay, it's up there. But but okay,
I think dollar for dollar, the Beamer and the Mercedes is going to
be more, and and the GV eight is going to give you more.
I I know, I price everything. I think they're way more. Well,
they used to be way more. Maybe they're not anymore. I don't
know, but it just seems like it's getting harder and harder to justify the
higher prices when Japanese makers of Toyota and a Hyundai and Honda have such wonderful
vehicles. Well, Lexus is there, it's Toyota. Yeah, yeah,
same engineering and yeah. So all of those are just great cars and they're
usually less expensive. You know, it's getting the same way with a lot
of stuff. Man, I bought a TV for my home studio. It
was like eighty nine dollars. I don't know what brand it is. It's
a Walmart brand. It's so I saw I saw seventy five inch TV?
Now, did they? Yeah? That's it? Jenna just said it.
Do they get any bigger than seventy five inches? Oh? Yes, hundred
easy crap? They do. Costco advertise them all the time. Okay,
So I saw some of these TVs and that the prices were so reasonable.
I went home looking for a place to put one. I don't even need
one. I went looking for one. One day I walk in. We
bought giant monitors for our computers in our office here I heard of I walk
in one day and Mind's making funny faces and pixelady and I mean it looked
like a rainbow. It was terrible, and I said, we need to
get this fixed. Mark says, chuck it, just chuck it. They're
they're not even worth having anybody look at it. I remember when he now
we're going back twenty fifteen. He had this toolbox downstairs. Remember we used
to have that office downstairs, and he had a cool toolbox. I mean,
you know, I'm not going to say it was massive, but it's
something a technician would have. And it was organized and it was very organized,
and it was all cables. So I needed Oh my god, and
I figured, okay, I'll go over there and get one. I opened
it up. The dudes got cables that haven't been made since like two thousand.
Co't believe it. He had those remember those old printer cables with the
big clamps that would go down on the side. They were like eight thousand
pins. He had like five hundred of them. I'm like, why the
hell would you ask of these just in case? But Tom go and do
his TVs and doing stuff. That's what Tom. But I'm not anymore.
I mean, I organized, but I have gotten to a point now where
I only keep stuff that I know I'm going to reuse, Like, for
example, those three prong power cords that go to computers, They go to
printers and go to chargers they go. So I'll keep a few of those,
and I'll keep some USBs, and I'll keep some stuff like or some
HTMI. Why will you get rid of all the lightning cables that you had?
Yeah, that's the problem with with Mac. With us Apple, they
change all that crap. But in any case, I do get rid of
some of that, you know for sure. But it's impossible to keep up
with technology. It's amazing Tom. I went to look at some TVs to
qeds well like six for sixty five inch. The OLED's were one thousand dollars
more on every brand. We once did an analysis on that. If you
can control the lighting in your room and the atmosphere of the environment. You
don't really have to buy that expensive one. Now that's the guys even told
me that unless you have a home theater in a totally dark room, you
don't need an OLED. And well, the OLED also is better in bad
condition. It's smooth too. Yeah, we have more coming up. Go
with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance checkup free, no obligation.
In comparison, call Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three o three seven to seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey Tom Martino here three oh three seven one three talk
three oh three seven one three eight two five five. All right, we
have open lines. You can give us a call anything car related or anything
at all. Of course, we love anything that you want to talk about,
a problem, a question, or complaint. Okay, Tom, we
love this is a text We love our range Rover. Okay, I have
questions for you you should call, for example, how many miles on it?
How old is it? And does it give you any trouble at all?
You just love it because of the way it looks. I think no
one can say over a long period of time that they have had good luck
with a range Rover. It just doesn't happen. Threeho three seven one three
talks seven one three eight two five five. Now something else to talk about
this appliance repair. I said I would have a name and number. I
want to caution everyone, not because they're bad. They're good. They're not
on the referral list. I don't have many you have power over this.
We just happened to call them because it was one of the few companies that
dealt with a Thermidor refrigerator. And it was on a Sunday. So this
guy comes over on a Sunday and the refrigerator was at sixty degrees and the
freezer was at fifty. It's obviously not working the refrigerator. It's a thermer
door going up on twenty years old. Maybe I'm thinking compressor. And it's
a Sunday. This guy comes to the house and says, these compressors can
last forever. Just take care of him, and ma, Doc, your
phone is ringing and talking in any case, in any case, how many
years has this been that this has been going on? Mark? How many
years has it been? Anyway, So we have this guy come in and
it's a Sunday and he does stock compressors for thermer doors because they do all
the high end. And if he would have said, you need a compressor,
we would have done it without question. Twenty years old. No refrigerator,
we need it. He says, Oh, you know what, it's
just the starter, just the capacitor whatever, you know, the starting relay,
capacitor. There's all kinds of different terms for it. And what that
is is a is a capacitor builds up a charge to start that heavy motor.
Because that's that's all you need to know. And then so it starts
it and then once it starts running, it disengages. It's a starter.
So it was one hundred eighty two dollars on a Sunday on a Sunday,
one hundred eighty two dollars fixed. As I said, this is a guy
that could have put us together. I would have done anything and so,
but somebody wanted to know about the about this profile. He does ge profile,
he might be able to repair things, who knows. Anyway, it's
called now again. He doesn't have a website that I can find. So
I'm giving you this only because it was an experience I had. I am
not saying he is the best in the world. I'm saying what happened with
me, So don't call me with complaints. Well, you can call me,
but don't blame me. Apex Tech ape x Now, Mark tried googling
it and you didn't find any phone numbers or anything, right, Mark,
So now there's a software company that is the same name. Yeah, it's
not that, and it's Appliance for Repair apex Tech. I think it's funny
how you're shocked you weren't ripped off. Yes, isn't it terrible? It
is in today's day in world, it is funny how we all react to
where when something that should have happened happens and we didn't get kicked in the
nuts, and we are like, oh, good going company. But all
they did what was normal years ago. One hundred percent. We've been retrained
to really just I don't know it's a horrible it's a horrible way of life.
Right now, I'm going to give you this guy's number, ready.
It is seven to zero nine eight zero four to six zero nine, seven
to zero nine eight zero four to six zero nine. And if you tell
him Tom Martino told you to call or anything, he won't even know who
I am, because I don't even think we exchanged names. I mean I
asked him for his and I don't think he knew or cared where he was.
He was just a good guy. So unbelievable. Okay, so today
is car Friday. If you have a car problem. If not, that's
fine too. We can do any problems that you want at three zero three
seven one three talk three oh three seven to one three eight two five Go
with a sure thing Denver's best roofer Excel roofing dot com. You don't pay
a cent until you're content. Time for an insurance check up, free,
no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven seven to one help. You'll think
you're his only customer when you choose Frank Durand the real estate man dot com
to list your home with Remax Alliance three oh three nine two zero sixteen twenty
two. Hi Tom Martino, you're troubleshooter and Dave and then Bob Dave.
What's going on with you with a car? I got a twenty sixteen miles
to see X five and uh so I got eighty thousand mile tires on there.
I probably got about sixty thousand miles right now on the tires. But
to really developed a rough ride, I don't know if it's the tires or
struts or any idea what I might check out keV see if I can get
that right back. What was the last time they were balanced? Yeah,
three four months ago. Okay, so you the rough ride, you feel
a vibration on the highway or and it was all of a sudden. Well,
I mean we've kind of noticed that getting rougher over the last couple of
year, year and a half. So I don't know if it's really over
you could it just be a component and any any of the suspensing components of
the shocks, straats, things like that. They're designed, you know,
for that six to eight year window. So he's right in there. He
probably needs some strats or some attention, other sayings, Yeah, okay,
go with a sure thing Denver's best roofer Excel Roofing dot com. You don't
pay a cent until you're content. Time for an insurance checkup free, no
obligation. Could comparison call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three all three seven seven one help. You'll
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twenty two. Ripped You need advice? Who you don't have? Come?
Run anxious as fast as we can show Shooter's gonna help. Come man,
This is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino,
Your Troubleshooter three all three seven one three talk three all three seven one three
eight two five five. This is the only show of its kind, really
where we take everyday aches and pains, those things that tick you off or
make you tick. Don't forget to call three oh three Martino spread that they
can call it any time, day or night. Let's talk to Bob he
has an issue with Frontier. Bob, what's happening? All right? Tom?
Thanks for taking much sure, first time I've ever called you. What's
going on? Man? My wife and I. My wife and I are
going to Cancun in April, and we picked Frontier to be the carrier to
get us there. Said, I got a flight I arranged in December to
travel there on April sixth at one tier and then come back in April thirteenth.
I got an email from Frontier on the thirteenth of February, a couple
of days ago, saying that they changed my outbound flight. Instead of leaving
at one it's not leaving at six thirty am. And it gave me that
told me my options are to sign up for that or it says the flight
has been disrupted. You will review options. So I look at the options.
I get six thirty is option they tell me to go to. I
click on that, and then they gave me only options that were overnight options
fifteenth to thirty hour duration flight. Wait, wait, the only option?
What if you just take the earlier hour? What date? Give me that
date again? Man, I'm looking something up, but I want to ask
you something. What if you just took the earlier hour on that day,
would you be okay? That would be okay. But when I clicked the
button to accept that, it goes to another page, pops up and gives
me flights that are at least fifteen hours long. I understand that, but
that's not what I'm asking. I am asking if it's still an option to
simply take the earlier time they are ridgely proposed, not in the way that
they let me choose. Okay. So in other words, when you say
they changed the April sixth flight, they changed it from the afternoon to early
morning, you now can no longer take that early morning flight. Well,
I'm not finished with my story. What's that I can't get an answer on
that or what I think what he's saying is the early flight has a lot
of layovers to it. It is that true. The earlier flight is not
the same duration. The earlier flight is four hours, and that's fine.
I'd be happy with that. But they're not letting me select that. Why.
That's what I want to know. Why if they changed your flight and
said, if you don't want it, then you have to make other arrangements.
But I thought they just changed it to that. They did change it.
I accepted it, and I went to accept it, and then they
said, select one of these four flights. These four flights have PEO.
Okay, no, I don't it. So they really did not offer you
that earlier flight of four hours, Well, I think they did. I
just think he's doing something wrong because that flight's still available and it is the
only flight that's direct that day. Are you sure, I mean, we
can call them. Are you sure you can't get that flight that day?
No? I can. Well, then why are you telling me you can't,
Bob, I listen, I understand what you're saying. You don't think
I'm hearing you. I'm hearing you, but you keep changing your story.
I just want to know, can you do that four hour flight for earlier
in the day I had. I had to call them to get that to
uh to be available to me. I get it on my computer. Okay.
So I ended up calling a company that was called pm Travels, which
I don't know who they are, but PCM Travels got me onto six point
thirty flight in the morning, and then they charged me three hundred ninety eight
dollars more. Okay, listen, So this was bob, Bob, I
don't bob, I don't think listen, if you didn't accept, you're telling
me there was no way to accept the flight that they offered you, not
on my computer. Correct, I will guarantee you there was, But I'm
not understanding. So then you reached out to somebody else and you purchased.
Why didn't you call front Why didn't you call Frontier? You can't. Well
it doesn't have a fust rubbery anymore. What you call is a third party,
and the third party was travel No, there is no no, no,
no, no no. Hold on. Frontier doesn't use the third party.
So you bought a ticket through whoever? So where do you stand now?
He had to spend more money? How much more money? I spent
three hundred and ninety eight dollars and I had to PCM Travels to get me
on the six thirty flight. Well, hold on, it could not.
Oh wait wait wait wait what what? What? Whoa? You just said?
Two things? You spent three hundred and ninety eight dollars more, plus
you paid PCM. You know, sir, I paid PCM three hundred and
eight dollars. Okay, okay, they front Okay, get Frontier truly.
Here's the way I'm hearing it. You got an email saying, hey,
Bob, we change your flight. It's no longer leaving at one or two
and the after whatever, it's now leaving at six in the morning. And
uh, you know, and and accept it here and when you tried to
accept it you couldn't correct. Well, you can get a refund from Frontier.
I will I'd like to go to on April six No, you're missing
man. You just rebought the tickets through r PC or RCP whomever. He's
saying. You can get for your original April six ones, for your original
Frontier ticket, you can get a refund. Just get a refund and fly
on the Southwest. No, no, no, it's too late. Listen.
Don't complicate things, Bob. Here's what we're saying. If you have
a ticket now for April sixth, you now have two tickets. One you
can't use, So why not get a refund for now that Frontier one you
can't use. I don't know if I have two tickets. I'm not sure
that I think. What do you think happened to the other ticket that you
paid for? What do you think happened to it. Well, if I
go to Frontier, I see that my itinerary shows me on the six thirty
flight. So I think PCM acted as a travel agent. No, I
think not. Here's what I think happened. Okay, Bob, I don't
think you had to accept. Honest to god, here's what happened. They
told you they changed the flight and if you did not want it, you
can make other arrangements, and you click that link. I think you were
automatically put on that earlier flight, and that's the only way it would show
up on your Frontier itinerary. It would not show up through a third party.
You bought an extra ticket because you did not understand that. Bob,
I'm sorry, but that I had. It happen all the time where they
reschedule your time, they don't opt that, you don't opt in for that.
They say, we have changed your departure time. It's done. Okay,
you have the ticket and it's done. They say, if this does
not meant or if you want to make other arrangements, click here. Then
you click there, And that's why you were presented. That's why you were
presented with the other options, and you mistaking and you mistakingly thought you could
not accept what they offered that was already accepted by default, and you were
only to click that link to pick something else. You then went and called
PCM and got another ticket. Can you get a refund from PCM? I
can cancel my credit card payment. I think, well, what would you
do? Would PCM accept? Can you call PCM and cancel? I can
call PCM. I don't know if I can cancel them. Well try to.
But if you call your credit card company, they're not gonna you know,
you're gonna have to lie to cancel it because they're going to say you
made the reservation. Bob, I'm sorry about this, but Frontier is not
responsible for this. Neither is PCM. I mean, you kind of just
didn't understand what was going on. Unfortunately, listen, I have it happened
where they change our flights and were automatically booked on the flight they changed it
to, Yet they give you a link to change it to another flight.
It's funny. If you google and anybody out there can do it, CM
travel scammer dot info airline impersonators. That's the first thing that comes up about
these people. Yeah, so they had him convinced that they were part of
Frontier. Yeah, so you probably got scammed, Bob. I would cut
I would cut off payment on that credit. Here's what I do. I
would call up your credit card company, say you saw the charge on there,
and you have no idea what it is. Do not get into these
weeds. Don't even bring up front Tier. Say we are traveling. We
bought tickets directly through Frontier. I have no idea what PCM is, what
they do, nothing to do with it whatsoever. That's how you do it.
Then they're going to send you a new credit card. Then what you
need to do is get into chat with Frontier and get on the right plane.
He's already on. They already booked him on its three the PM though.
I think PCM sold him new tickets. Man, I think he's got
tickets. Yes, he does have two sets and the original set. I
believe they changed his time to six thirty. I don't know, but you
better verify it yet on that pot, obviously you want to verify it.
But Bob, he said, he mark, He said he went into Frontier
and his itinerary shows one itinerary shows those flights. If he had gone out
and made a third party ticket, it would not show up on that itinerary.
That itinerary, I'm telling you he bought. He's got four tickets.
I know he does, or maybe he didn't buy the twelfth, but he
does have more tickets than he needs. But I think he has his original
or Frontier ticket. I know he does because they're not going to refund him
unless you request it. So, Bob, it's a mass man, and
you know what airline travel ism ass. And this idea of Frontier never taking
phone calls anymore, is this the stupidest thing you've ever I don't know,
man, Facebook's done it, Google's done it. They all do it.
No, Google will still do will still schedule calls for you maybe if you're
spending money with him? No, I mean they they do. And Amazon
does? I know Amazon does. I just a Google helped me for that
drive issue, Mark, So what would you? So what would you rather
do? Call up and talk to someone that Barry barely speaks English. Nothing
happens for four or five hours, and I don't care if it's Direct TV,
Edish Network, Comcast, anything. So you go through all that,
you go through all the headaches, and you end up nowhere, or you
just simply can't contact him in the first place. I could argue that either
way, well it sucks. And again, they don't normally tell you they've
changed the time and you have to accept it. They change it period,
and now you have a ticket for the new time. They give you the
option to change that one. So you do have two tickets for the plane
leaving six point thirty in the morning. I would cancel the PCM ticket because
I think that's what happened. So how does how did you? Out of
curiosity, Bob? How did you get the number for PCM? I want
to keep people from having the same problem. How did that happen when you
clicked through Frontier and got frustrated? Tell me what how did you find PCM?
Probably googled Frontier phone number? What did you do? That's one?
So no, I have an app called just Human and I did that a
bunch of times to talk to somebody in person, and it tells me the
Frontier line has nobody to answer that number, and then it gave me another
number to book a flight, and that's the number I called. Since the
did they give you the impression that they are Frontier? Yeah? Wow?
Yeah, I've heard this is a common mistake. That's why I would have
no qualms. I would have no qualms about getting them dug cants into the
weeds with your credit card company. Don't say anything except I have no idea.
I didn't do this. It's nothing to do with its may go screw
yourself. I don't want less is more. Go with a sure thing Denver's
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three three nine two zero sixteen twenty two. Hi Tom Martino here three oh
three seven to one three talk three oh three seven one three eight two five
five. So, uh, we have some texts here on can you get
Damn McKenzie on the Toyota? Is it the TJ or PJ? Which one
is that? I? I he says the FJ. The FJ. Yeah,
I'm sorry the FJ. So the Toyota FJ are they made anymore?
That was what I don't think they are. I think we had this kind
I swear to God, I'm not on good No, we did have it.
We had this conversation a few years ago. And I looked, and
I believe it's still sold in other countries, but not in the US.
Okay, right here the first look on YouTube of the new twenty twenty five
Toyota FJ Cruiser. So they're coming back. Nice, wow, And you
know what did they take away? They took away the looks. They took
away the whole thing that made them attractive. I hate when they do that,
you know what I mean? They just it doesn't look anything like it
used to look. And the well, it kind of does. Never mind,
it kind of does. But I think those things they're going to be
like incredible. What do you think they'll sell for the twenty twenty five Toyota
FJ Cruiser If you're a fan of the FJ. By the way, it
was legendary. They said they couldn't. They can't keep him in stock,
the used ones, And I'm just wondering what they'll sell for kind of google
that while we're talking, it says here it's exactly what I thought. So
as of April twenty twenty two, it is still sold in the Philippines,
the Middle East, Chile, Southern Africa, and whatever Custom Union countries are.
So but there are they are coming back to America. That's what we're
told the twenty twenty five. So when would that be out? In September?
Is that? Does anyone know? I mean, because I'd buy one
of those because then you'd have everything, you'd have longevity and everything. I
got one of those cyber trucks coming. Well, so do I suppose guy,
we're on the list. Are you gonna pull the trigger on it?
Really? Oh? I'll buy it if it was available, Yeah, but
they didn't give a final price. Well I'm assuming it's under one hundred.
Well yeah, but I mean, I'm it's bulletproof literally literally, Well,
god knows I need that. Is it really bulletproof? It's bulletproof. I'm
not saying every bulletproof, but I bet it could take a thirty eight and
a twenty two, no problem, might leave some dents. So anyway,
I'm googling, is the f JA okay, is the FJDE Cruiser coming back?
And it says, yes, it will come back. It's coming back
to America. And they say, oh wait, then it says here,
twenty twenty three is the final one. So I don't know if that's just
internet rumors or what it says. Okay, then it says here, how
much is it? Twenty twenty four mid fifty thousand dollars range? That sounds
too cheap for that, but they sell them, like I said, they
still sell them in other countries. That's what you're looking at. All right,
Well, see if it's coming back to America, Kevin, since I'm
seeing the same thing, you are as confusing. But I think you're gonna
have to import one to get one. The South African version has an MSRP
of forty four. That's pretty cheap for that car. I mean that's in
South Africa. That same vehicle over here, because of Bidenomics, is ninety
eight thousand. See there he goes blaming poor Joe Biden for everything. You
know. Okay, I have a question, and I know that it's a
bad deal, but because people don't like talking about it, no one talks
about it, no one questions it. But the last two years, more
young people have dropped dead from sudden cardiac events than in any other time in
history. Isn't that fentanyl? No, it's not fedas vaccine. Well,
I don't know why. I'm asking why. That's why I'm asking. Oh,
you look it up, sudden cardiac events for people in their twenties and
thirties. I mean athletes and young athletes. And I say athletes because they're
always held up as the beacon of health. But why is this happening?
Why are we having such sudden death? I know you want to attribute it
to the vestine. I don't want to attribute to anything. I'm asking why,
all of a sudden are we hearing about people, young people dropping dead?
Okay, and I know you're a big flag waiver for the vaccine.
You think it's the most wonderful thing since slice bread. You know what's it's
the worst scourge on America. But go ahead. I know you've been boosted
sixteen times. In fact, as Dana Carvey said, is you got to
get boosted because once you get out to the parking lot, it wore off.
I think it's I think did you ever hear it, he goes I
got boosted. I got boosted sixteen times. In fact, I get to
the parking lot and they wear off. I think it's got the drugs tom
because of the opioid and the fentanyl. But don't you think they would say
it's fentanyl. I mean, when these athletes dropped dead, you think they're
doing fentanyl. They also they're playing a game. They also would say it's
a vaccine if that was the cause. I think, oh no, they
wouldn't. They wouldn't. No, no, never. You know why,
because first of all, they're not even investigating it. That not one adverse
vaccine effect has ever been investigated. You you can go to the adverse and
you can report an adverse effect and no one will record it nor will they
ever get back to you. Ever, for the first time in history,
it's the only vaccine where they have never investigated adverse effects. Why is that?
No, it's the only vaccine one could get and still give it and
still get it and one hunt or listen to this one hundred percent immunity.
Now, when has that ever happened? Ever? One hundred percent immunity.
So my question, if it's so safe and so effective. Why would you
have to have one hundred percent immunity? And by the way, this is
not a democratic Republican thing, because, as I remember, it was the
Republicans who got it fast tracked. So, I mean, you know this
thing, I don't care how you look at it. Something happened and and
and people are still swearing by it. I wonder how many people are still
getting it. I wonder how many people are still getting the shot. I
know quite a few. Oh well, they enlisted Taylor Swift and Kelsey to
do the commercials for it. You know, Oh, get your boost,
get your boozed. Do you think I shouldn't have gotten it? Tom?
Look, and I'm not going to tell you what to do. I know
I should know. But the point is as thick as I was. Well,
you know, you have to make that decision, because I'd hate to
see something happen after if I say, yeah, I wouldn't do it.
I mean, I just don't. I just don't think we're hearing the true,
honest to God. The problem is with our media today you will never
hear the whole truth. And here's the other thing, the same sentence.
The problem with our media today you hear sometimes the most ridiculous news about it.
Okay, on both sides, you either hear nothing from mainstream media or
the most ridiculous news from extreme fringe media like Alex Jones and the rest of
them. I mean you so so. I don't blame people for being confused,
but I don't think the answer is total silence. You know, I
don't think it's ignoring it. At the same time, you can't believe everything
in the fringe. I call it the fringe media. There's a lot of
fringe right and left media, mostly right. I mean totally fringe. I
mean, you know the ones who are accusing politicians of taking transfusions from babies,
you know, to stay young. You not heard of that? Oh
come on, God, you get your news from so much. I'm not
getting nic I'm not getting news on I said it was fringe. I don't
believe it. What it's there's people out there that don't think Sandy Hook happened,
but there's like three of them. Marie has a comment. Go ahead,
Marie, Oh, hi, Tom, Hi, what's happening? Marie?
Well, I just wanted to tell you on this topic of people dying
and why they're dying. I just recently went to four funerals, four funerals
two weeks apart of what of were they young people? Some of them were
young, some of them were a little older, and each scenario was different.
But I talked with and my mom is really old too. We're kind
of talking with the funeral home for her. But I was talking with some
of the people at the funeral home about these deaths, and they told me
that they have so many people that are dying, and the thing is that
you can't bury them the same day you have a funeral, because all the
all the funeral burials were like the next week because they cann't your backlogs,
Like, what do you think, Mary, why do you think that we're
hearing about so many sudden deaths from young people and this kind of thing to
tell you why? Because they said, and when these people the hospitals and
these just regular people are finding their loved ones, they go to bed,
they're gone the next day. But do you have I just wanted to know
if you think of anything. And again Doc says airingly, Oh, I
want to blame the vaccine. I didn't say that, but I will tell
you this. It's a hell, it's a hell of a coincidence that in
the last two to three years this has spiked, Hasn't it? Go with
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You'll think you're his only customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Okay, So
one in five heart attack patients nowadays are between twenty and thirty years old.
Think about that one in five that was never ever happening. Ever, Why
why is it happening? Sedonary lifestyle, that's what they're saying. And you
know, I'm tired of people saying it's fentanyl. They're not citing these people
as being fetanyl addicts. They would, they would, they would say it
was a fetanyl death. They're not overdosing. We're talking about athletes and young
people just dropping fricking dead. So what is it? No one wants to
No one wants to ad Now. Now some of these people didn't even have
COVID, some did, so it's not COVID. What is it? What
changed? What changed? What do you think it was? You you know
what you think it was? And again I resent people thinking that I'm trying
to say it's the vaccine. It could be. It could be I don't
know of anything else major it would be COVID. What else? Well,
some of these people have not have COVID. I don't think people now even
know when they have COVID. How's that? I don't think you know?
And you understand that COVID nineteen truly okay, the symptoms and everything in and
of themselves. There's some strange stuff that went on with that disease. People
don't understand. But are you suggesting mark that it leaves a long range mark?
Do you guys have any father? Do you have any No? I
don't, Suzanne didn't have. In fact, it's still out one hundred percent.
But tell them you know this, what what taste and smell has been
something did your taste and smell come back but came back distorted? Really?
Yes? Right now? Uh A dairy is still pretty bad for me me
twice a day. She won't eat yogurt anymore. Car exhaust doesn't smell the
same anymore, marked diesel exhaust. What about you? One of the guys
that works for me, the same thing he lost to smell completely starting to
come back, but just distorted. As there's answer that he can smell certain
things, certain things he can't smell. And there's a lot of evidence for
long COVID and let's do the vaccine. I understand, but people who have
symptoms for a long period of time with that. What's going on with you?
Mike? Welcome? Yeah, Hi Tom, Hey, I appreciate you
taking Yes, sir, So, I have a daughter and she's she's a
thriving college student. I mean, she's a four oh student. She's amazing.
But for the last few years she's been diagnosed and has been struggling with
a form of narcolepsy. Wow. And the situation is currently that she is
on a drug that actually works for it. And Mike, how old is
your daughter? She just turned twenty one? Okay, and when did she
developed a narcolepsy. She's probably had it since her mid teens. Wow,
but she was only diagnosed a few years ago, Okay. And her form
is actually idiopathic hypersomnia, So basically, you can't get enough sleep. When
you do sleep, you don't get into a normal sleep cycle, and you
actually have things like sleep hallucinations where you wake up and you're still almost in
a dream state. Got aren't there? So? Did she like it affects
her whole life? Doesn't it? It does? It does. But there's
a drug that works now for her, and she was close to getting the
approved through insurance, and then one one came along in January. First my
company switched to medical insurance provider, so now we have to go through the
approval process again. And it's just it's frustrating because you know, there's denial
after denial and more information. I just didn't know, and that's why I
reached out to you as the ex Is there a consultant and advocate? Is
there someone that helps in these situations? You know what? That's a great
question. I'd like to ask Integra Insurance about it. About Hey, Kaschina,
let's get uh, let's get somebody from Integra on hold on all right,
can I pipe in something? Yeah? Go ahead, doc, Hey,
Mike, Mike, go ahead. What you can do? What I
found if you talk to whoever it was that prescribed the medication for ask that
physician to contact the medical director of the insurance company. And I found in
my when I was practicing a lot of times when I asked to speak to
the medical director personally and explained it, it cut through all the red tape.
Now, I think if Hardrossa will do that, yeah, that's great
advice because her physician has been great and trying to get this. How expensive
is it? It's about seven grand a month. That's oh my god,
wow. So try asking him to do that. You know, all he
can do is say no, yeah, no, that's that's great advice.
I definitely Now, what does the medication do for her out of curiosity?
Basically, it suppresses her respiratory system, so you literally sit down on the
edge of the bed you take the medication. Upon taking it, she literally
goes unconscious, and then she takes a second dose with she's woke up by
an alarm at two am, takes a second dose and goes unconscious again.
Basically, so it's like a sleeping aid. It's a sleeping aid. It
is, it's a it's a heavy, heavy sleeping aig. How long does
it take her? Like? Is it an inhaler? If not, it's
a liquid that has to be mixed. And as soon as she takes it
the have you watched her does it? Does she like? Whoo done?
I guess you have kind of a drunk feeling and then you instantly basically sleep.
But it knocks her into a sleep cycle that is more normal, so
there's no sleep hallucination. She actually, you know, after taking the two
doses, when she wakes up, she's at the point where she feels rested
and she can function, whereas prior to that, the only solution is to
literally use trazodone to go to sleep and then take Riddlin upon waking up,
with another dose of riddle in midday to stay awake long. Oh my god,
All right, hold on, we're gonna try to get our expert on
go with a sure thing Denver's Best roofer excel roofing dot com. You don't
pay a cent until you're content. Time for an insurance checkup free, no
obligation in comparison call Compass insurance paying too much your coverage at dozens of insurance
companies find out now three O three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three oh three nine two zero sixteen twenty
two Kai Tom Martine here three O three seven one three talks. So Mike,
here's the deal, bro. We have Integer insurance off the air that
can help you. They have continuing education today. Can't come on, but
they said, they said they've handled stuff like this before. But they like
deputy docs idea of having your doctor talked to their medical director and just cut
through the red tape. See what can happen. Most likely we have her
do that today. What who did they? Who did you change from who
to who? We're with United Healthcare Now. I believe we were signa before
and we tried to get this drug approved. It was like in November,
so we basically just ran out of time, went through a couple denials,
and then the first of the year hit insurance changed, so we're trying again.
Have already been denied a couple times, which has been very frustrating.
When they deny you, what do they base it on. I've not read
that documentation, I think I honestly, I honestly don't know. I'd have
to it for my daughter. I don't know what they're doing. How old
is your daughter? She's twenty one and her physician's been a great appa.
Wait, we have John Jones Senior on hold on a second and stand with
the contractor. We will get to you too. Let's go to John Jones
Senior over at Integra Insurance. John Hey, Tom, Hey, good,
listen, when when the they switched plans, the approval for this drug went
away and they have to reapply? Is that uncommon or is that common?
Tom? We never got the approval under the other provider because the end of
the year hit and we switched before we could get the approval. Well,
under the other provider, how are you paying for it? We weren't paying
for it. What happened is this the drug manufacturer, Tom has her under
a program where she can get ninety days of the drug. Okay, I
got it. Okay, So you never you were never approved for this drug,
and in the middle of getting approved, you were switched carriers because of
the first of the year exactly, and now you're with who you United Healthcare?
Is it hard John to get United Healthcare to approve a drug? Can
I ask you this, Tom? Is that group? Or is an individual
coverage? Group's group insurance through my employer? Go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison, call
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three all three seven to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero sixteen twenty two news you
don't have running cam. Shooter's gonna help? Come? Is the trouble shooter
show? No, Tom Martino, Hi, Tom Martino, You're troubleshooter three
all three seven to one three Tom three all three seven one three eight two
five five. So Mike called and he said, I have a daughter with
uh NARCOLEPSI and we had a drug that works. We only have a temporary
supply ninety days. It's running out or ran out seven thousand dollars a month.
It actually works. They've been turned down the first time, then they
appealed and got turned down a second time. Is that right, Mike?
That's correct? So where are you now? We're gonna appeal again, But
in the process of doing so, I just thought I would reach out to
you guys and just see if there was something I was missing. How many
times can you appeal stuff like this is my question. I'm going to talk
to John Jones and is it possible to have drugs that simply aren't covered?
Right? It is possible. Yeah, I'm going to talk to John with
Integer Insurance. He's our health insurance expert and broker. And John first and
foremost, I imagine there are drugs that are just not approved and there's nothing
you can do about it. Right, that is correct? And what are
the reasons? Usually they are not approved, Probably the callst and they're having
like a formulary drug list which is approved in a non formulary drug list,
which is outside of what the insurance company covers. And that's just the way
it is you just it's contractual. That is correct. Okay. Now it
has nothing to do with the FDA approval. Even if they're both FDA approved,
one could be approved and one could be not approved by the insurance.
That is correct. Okay. So in this case, Mike, the sad
fact is there just may not be insurance to cover it. Yeah. I
know from her physician that she has other patients that insurance does cover this drug
for, and the drug is specifically for her form of narcolepsy, which is
idiopathic hypersomnia. What I understand is just a very difficult process to navigate in
order to get that approval because of the drug cost. Now, what I
want to know is the other ones that have this insurance coverage. Is it
your insurance or is it is it a different one. I don't know.
I would have to have her her my daughter, get that from her physician.
I just know that this is a it's a common treatment. It's just
unfortunate, it's expensive. What's the prognosis. What's the prognosis for your daughter?
It's good if she can get into a normal sleep cycle so she can
function, then it shouldn't affect her longevity or anything else, But you know,
otherwise it's a living hell for her now with this drug enough sleep?
Can her sleep be interrupted in an urgency if she needs to get up?
Just to know, you're not allowed to take this drug if you live alone.
So she's with her boyfriend of seven years, and if he's not spending
the night with her, then she can't take the drug because early on when
you take your dose or your second dose, the first or second dose,
if like a fire alarm went off, you would need someone's assistance to get
out of the building. Okay, hey, Mike, find out from your
physician if any of the patients that are approved of the drug have United Health
yet, because then it would be a slam dunk. Yeah, absolutely,
I will. I will. It's just you know, my dom. I'm
very frustrated by John go Ahead. Know what my resources might be, John
go Ahead and Tom one thing which United I'm not sure exactly how many appeals
he can make. I'm not sure that I have to look it is ever
an evidence of coverage there, I do know. You know what Doc said
which our younger when he got turned initially down for his immuno therapy. We
had to uphill it. Three times, and we got the doctors involved.
So I think what Doc said is a great way to start, and you
know, and continue is going to email me over the gentleman's name and we're
going to do some research and then if he doesn't mind, we'll be back
in touch with him on Monday to see if we can come up with some
other solutions for him. Also, Okay, that would be fantastic. Thank
you, Thank you very much. Integra which can be reached for health insurance
needs and questions three oh three four sixty six fifty five hundred stand what's happening?
Yes? And the reason I'm calling my wife and I elderly. And
we signed the contract on the thirty July twenty twenty two with a contractor.
And now when did wait, wait, wait, when did you sign?
Ain't it the original contract three July twenty twenty two to complete a basement in
March of twenty twenty two. Got it? No, in July the third
of twenty twenty two. Okay, July, okay, okay, this was
top tier remodeling. When they're representative Chris Doris and there was a building permit
issued on thirty one August of twenty twenty two. The job was supposed to
take about first. He said, I will we next Thanksgiving, next Christmas,
and dragged on. Okay, the permit expired in February of twenty two
at twenty three. Okay. As time went on, the contractor became less
responsive. We couldn't get a hold of them and they wouldn't ask the phone,
and come to find out they didn't have a license, bonder or insured,
and uh, all right, so top Tier re Modeling basically basically did
they ever finish? No, they drug out and changed contractors several times.
The work was substance, they were their work was substandard, and we paid
in advance for all these services. How much? Hold on? How much
did you pay so far? Total to Top Tier? The top Tier and
his subcontractor approximate one hundred and thirty five thousand dollars. What was the project
supposed to cost? Ninety two thousand dollars? Okay, Now, when you
say you paid top Tier and the subcontractors, what I don't understand is this,
you paid top Tier, why did you pay separately to subcontractors? Wasn't
it all one contract? Okay? We had that contract with Top Tier and
then they after we got started, they said that we had we gave it.
Here's here's other business there. I don't have a contract with Streamlined.
That was the one, the one that we paid him for a cabinets seventeen
thousand said okay, but here's what I don't understand. Why did you have
contracts with two different companies? I didn't. I had a contract with top
Tier. Then why did you pay other companies? Chris said that was top
Tier said that they had to get somebody else to do the broad work,
breaking up the concrete, put in the drains, bathrooms, and also for
a change of water heaters. So right now is the job? You've paid
one hundred and thirty two thousand dollars so far? Thirty five thousand. All
right, so hold on, So how far is the job from being complete?
Well, we still have uh put into the doors? Are not?
No? No, I don't want to. I don't want you to go
piecemeal by piecemeal. What I want to know is how much will it cost
to finish the job the right way, the way it was supposed to be
done the first time. I don't mean adding to it or making it different,
but to complete the original contract? How much will it cost? Will
it bail the contract? I say a proxy forty fifty thousand dollars? Don't.
I can't be exact because they've got to have you had an expert come
in and analyze the work. We've had two contractors come over and look it
to work and it's terrible. Okay, so does it Does a lot of
it have to be redone? Yes? How much of the work did you
actually get value? What value did you get most of the drywall the year?
In other words, when you say it might take fifty grand to finish,
is that is that to finish including redoing the bad stuff? I'd like
some I like that. Who gave you that? Who gave you those estimates?
Two different contractors? I called out here to look at it. And
what does top tiers say about that? Well? Top tier they in uh
prox Malcoberley come out here and they said, well, we got to have
another contractor we won't finish the job. Yeah. But do they acknowledge that
they're already over budget? Well, they never say anything about being over budget.
They just said it up. They had to go. We had to
cough it up to get the h's the thank for what? Water heater.
We wouldn't stand to stand. Yes, I'm asking you this. The entire
job was supposed to cost ninety something thousand. What does top tiers say about
you paying one hundred and thirty five thousand and they still want more. What
do they say about the discrepancy? Well, they don't say anything about it.
They just said that just put it go. Well, what did your
original contract? Was it a guarantee for ninety something thousand or did it say
it could change? They didn't say. They didn't say it was guaranteed.
That was a proposal. And the thing about it is we couldn't find,
Uh, they couldn't find a side proposal. We couldn't either because when we
signed, Chris Dorus, the representative, said what we get and what was
these what were they supposed to do the basement? Yes, and that's it
based with two bathrooms? Yeah, okay, and and and the price and
the cost was going to be the proposal, which you can't find, was
for ninety thousand, ninety two thousand. We have a proposal, but it's
not signed. That signed. All right, you know here's that you're not
You need to get rid of these people. Okay. The reason they walked
down almost in October. Well, it's good because they weren't doing a job
anyway. They suck. Who is the person you were dealing with at Top
Tier? Chris Torres? Chris Torres? Yeah? Is that tr Easy or
t r R E S? Yes, t r R E S Chris Torres?
All right, do you have a number for Chris Torres? Just a
moment here. Well, I don't want you on the air. I just
want to know if you have a number. Yeah, okay, I want
to know when was the last time you talked to him? December? Now,
why are you calling us? Why are you calling us today? Because
I was hoping we were trying to locate a lawyer and a contractor to finish
the job. Finding a contractor won't be that different. But I'm going to
tell you something. Stand, you're wasting your time with a lawyer. It's
only going to cost you more money. This guy doesn't probably doesn't have a
pot to piss it. What's the name of the company, Yeah, Top
to your remodeling and Chris Doris is their representative. He's a bunch of new
companies, I know. But what I'm saying Stan is you may it may
be a waste of time, money, and energy to go after him.
Okay. I mean, I'm not telling you, well, you shouldn't go
after a bad guy. You should report him. I mean, but it
sounds to me like he's a total clown. Okay. Do you understand if
you get an attorney on this, just just for the hell of it,
what do you think it would cost to sue this guy minimum? What do
you think I don't have any idea. I'm going to tell you exactly because
I've been in more lawsuits than you ever want to know. Do you know
what it will cost you? Fifty dollars? Okay? Now you can take
that same fifty thousand and hire a contractor to finish it. Okay. Let
me ask you another, lady and top tier. As far as I know,
they didn't have a license contra at the time, they didn't have a
license right insurance right on right? Okay, Now suppose that they have it.
Now let me ask you this. Well, I'm waiting for the questions.
Stan go ahead, Okay. It says in this proposal, which we
don't have a sign. They don't have a sign. We don't either,
that we got to give them thirty days nose before we terminate. But see,
we already paid them all this money and we don't we don't owe them
anything. And uh, this is do we have to go? Stan?
Oh? Yes, Stan, listen, they walked off the job and haven't
been back. Is that right? Real? If it was me, I
would write them a letter saying, because you abandoned the job and you walked
off and you went forty thousand dollars over budget, I am here by firing
you, okay, and I'm going to come after you for damages. That's
what I would say. And then I would move on to another company.
Stan, this is just messy, and the more you stir it, the
more it's gonna stink. And I wouldn't waste my time. And if you
need a good contractor go to a referralist dot com and find someone who can
look at this and finish it for you. Hi, I'm Martine, your
troubleshooter. Frank Rand, the real estate man dot com will do a free
market valuation of your home. All you have to do is call him.
He is the best. There's no one who sells more faster and for more
money. He is up there above the market average. Three oh three nine
two zero sixteen twenty two Frank Dran The real estate Man dot com. So
Stan, you know, listen, Stan, you need to find a good
contractor on the referral list to finish this job up which referral is It's called
referral list dot com and we can help you off the air. Find it
referral list dot com. That's my personal list that I started many many many
years ago before any of the others were even there. And you need to
find a contractor that would be willing to come out and look at it.
If you can't find one there, if they're too busy, then you need
to find someone maybe they know, or someone who you can trust. And
then and then you need to forget about going after this guy. The first
thing you need to do, the very first thing, is to get this
done as far as the job, get it done, and then look at
I would turn this guy in for no licensing. I would. I would.
I would put as many complaints and reviews as I could online. I
would do it with the local authorities and all of that everything free you can
do. I would complain. I would go on YELP, I would go
on a Google. I would go everywhere I could to let people know about
him. And you know that's all you can do is let people know about
him. Okay, let me ask you this after we get it done neary
thing. You don't think it's or do you think it's worthwhile to assume it
for breach of contract? Sure, go ahead, George. Sure, If
you have fifty thousand dollars, go ahead. Sure, And then you get
a judgment, and then you're gonna have to get a judgment. You don't
get attorney's fees, so you get a judgment for whatever your losses are.
Let's say your losses are thirty or forty thousand. Then then you lost another
ten grand. So I mean, it's whatever you want to do. I'm
saying Stan, being right doesn't matter in lawsuits anymore. Being right doesn't matter.
What matters is coming out ahead. I don't like telling you this.
It will cost you fifty thousand dollars minimum to sue this guy and get him
in court. Now, if it's if he goes bankrupt, you might only
have ten or fifteen thousand spent before he goes bankrupt. If he doesn't go
bankrupt, and you spend the whole fifty going after him. He'll probably go
bankrupt after you get the judgment against him. You don't understand, Stan,
it's not whether you're right or wrong. You're right. The guy had no
license, he had no bond, he had nothing. He had nothing.
He also breached to the contract. Why will you sue him to get money?
Right? Well, guess what When it costs you more money to go
after him than you'll get and all he has to do is go bankrupt and
not pay you, what good is it? Okay, for the record,
you're right, Stan. If you could get an attorney to take it on
contingency, which I do not think you will, but if you could find
one, more power to you. But there are no people that will take
a case like this on contingency because they're going to look at top tier remodeling
and say the guy is a clown and he doesn't have any way in hell
of pain. That's why you only deal with good people. Okay, So
what I need to do is notify him that be through. Well, I
I why were you? If it was me, I would say, look,
you abandoned the job, you went over budget by forty grand I am
I don't want you back here, but I don't even think you have to
do that. I don't. I mean, that's just you know, you
might want to talk to an attorney about that stand because the guy abandoned the
job. When was the last time he notified you? Twenty eighth December twenty
three And what did he say to you? He said, I'm not coming
back. Okay. Well, then he canceled the contract, didn't he?
Yeah? What is what is their phone number? Just a second, I
mean, you've been totally screwed, Stan, Yeah, I realized that it's
too bad. How did you find this clown? Well we found him on
the internet and okay, the phone number is uh seven to zero five eight
eight eight eight zero and Chris Torres and uh, let's let's tough. It's
right here, top tier home remodeling on the internet. I thought maybe they
changed their number, okay, And then now there's the guy that was doing
all the project manager, which he changed two or three times, was Chris
Torres. Now who's the owner of the company, Sean Simmons. Sean Simmons
and Tracy Phillips And Tracy Phillips, all right, Chris Torres. His number
is seven to zero five nine four zero one seven three. Well, listen,
I wish you the best, and there's not much we can do for
you. Bro go with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for an insurance check
up free, no obligation comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three O three seven to seven to one.
Help. You'll think you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martine, if you're looking for
weight loss, remember denver Regen dot com is doing compounded semiglue tide for two
hundred and fifty a month Denverregen dot com. And there's uh that includes doctors,
consultations and all of the compounded drug and supplies Denverregen dot com. It's
unheard of, it's unbelief. Welcome to the show. Three three seven to
one three talk seven one three eight two five five. It's carda. We
didn't We've had a few car questions with Kevin Coulkin from Sheridan Autotech, and
Jay Bretz is here. Now, Jay, I heard about this thing and
I've been fascinated with it. I probably four people talking about it so much.
But smog eating roof have you heard of it? Absolutely? It's a
concrete tile and what happens is some of it's asphalt. There's asphalt also.
Concrete til are the ones that have been popular for a long time. They've
been popular in California. They have some calcium carbonate something like that in the
material of the tile, and it actually absorbs when sun hits it. It
absorbs the smog out of the air, which is the carbon monoxide is it?
Or the car stuff? What's that monoxide and all that? And then
it turns it into a harmless gas of nitrogen and what when it rains,
it sheds onto your soil and it's good for your that's right. It's you
know. I've heard about it in California for the last ten years or more,
and I thought, we're never going to see this stuff in Colorado.
Now they have asphalt now and the granules do that. Yep. So now
the granules are eating smog. And not only that, but there's a certain
amount of air infiltration on your roof and are through your roof somehow into your
house, you know, through vents and stuff, and it purifies that air.
So the air in your house is improved from it to me, And
it's not apparently it's not more expensive than regular roof it. Three M is
the one that makes all of the granules for all of the different manufacturers,
and they're the ones that have come up with this technology eight three M right,
Yeah, so I'm sure that three M is charging the manufacturers more for
those specific granules. I mean, it just makes sense they can, so
they would, But I have not seen the increase in the shingle price for
those, but we're seeing increases in shingle prices every three months just for in
general. Just in spplying that, yeah, the price of roofing is I
want to know something. Is this something that people will get because it's better
for the environment, Because it doesn't do anything better for the house. It's
a roof, it doesn't. And I think that there's two things that consumers
are way more interested in, and the number one being some kind of hail
resistant or hail proof roof. Yeah. Well, in Colorado, You sure
as hell are. Yeah, that's the really important thing. The second thing
that's really been around forever, we just haven't paid a lot of attention to
it is the solar reflectivity. So that means that the roof just doesn't absorb
as much heat. The more heat that that roof absorbs than the hotter the
house gets, and you know it's going to make your AC bills higher.
But if you just put that white roof on your house, it's going to
reflect the sun away from it, and that reduces what we call the heat
island a factor of the city, and in general, color is the number
one factor for absorption of heat absolutely and so that the government has an ener
g star rating for these kind of shingles where it reflects the heat back.
But in Colorado, I think that those are way bigger issues. But white
roots are ugly, so do they do they have alternative? White roofs are
ugly, and it's really ugly when we put these big, huge black panels
up on the roof. But I think it's some kind of solar system,
some kind of status symbol if you have that giant solar So the solar systems,
the solar arrays. Of course for solar systems, then you have the
roofing which can eat smog, and you have roofing that can reflect the sun.
What else in roofing are they going for? We also have the integrated
shingles. Tesla is the one that everybody has heard of for the solar that
it's solar, the shingles, the roofing material that it's a photovoltaic that converts
that sunlight into energy. So when you install that, do you literally have
to install and plug each row into each other? You do? So there's
different manufacturers of different types. Tesla is going to be the most popular or
the most well known, but they're one of the most difficult to get and
they're also one of the most expensive. They are they out now? Are
people using them? Now? There are? There's one on Bellevue that I
see when I drive along. Would you be able to replace panels? Does
it produce as much electricity as panels? It does, So that's the efficienci
And also you actually probably better because you don't have any gaps in it with
it. With panels you have gaps. It's more uniform looking, so I
would say in that sense it's better the entire roof itself creates electricity. But
the downside is it's so expensive that roof might be ten times more expense.
My god. So if you looking but the regular person would get twould get
the tax credit, you would thirty percent. So let's say a thirty percent
credit on a two hundred thousand dollars roof, that that'd be sixty grand.
That's going to take a lot of people a long time in order to recover
sixty grand in taxis now Mark would probably recover it just very quickly. You
know what, though, if you get these panels, this is it an
asphalt type shingle. What does it look like? So there's different manufacturers that
make them. What does it look like? It looks black, just like
the solar panels themselves, and so it looks like a roofer. Does it
look like you have panels. It looks like you have a patch of black
shingles in the middle of your other shingles. So you don't use all of
them, you just do the middle. That's correct. For there's a manufacturer,
Certaint that is making the photovolta so it's not just like an ordinary roof.
When you look at your roof. You can see the parts that are
solarized. You can and this is this technology has been around for a while.
Dow Powerhouse shingles. They were popular about twelve years ago and we were
one of the only authorized go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content. Time for an
insurance checkup free, no obligation comparison call Compass and insurance. Pay too much
your coverage at dozens of insurance companies find out now three oh three seven seven
to one help. You'll think you're his only customer when you choose Frank durand
the real estate Man dot com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martinez here at three oh
three seven to one three talk seven one three eight two five five. I
have a prediction. It's not a prediction, it's happening. But I have
an observation. Homes are gonna be all homes are gonna be made with solar
someday. On the on the roof, They're gonna have solar windows, They're
gonna have solar siding. They're gonna harness every single bit of the sun.
We can you know what we've been waiting for on this time? You think
is the efficiency level? And twenty five percent has been the magic number,
and we're real close, if not there with a number. And pricing,
you see, pricing on technology is so ridiculously low for what we get and
when will that happen in other areas when the popularity is there. The reason
technology is so reasonably priced is because of the demand. Up till now,
we haven't had a lot of people clamoring by that when an iPhone's twelve hundred
bucks, well, it probably costs one hundred bucks to make, because that
iPhone, by all practical standards, would have been a twenty million dollar computer
taking up four floors of a building. And it's incredibly cheap if you look
at the technology in the in the TVs mark, I mean, god,
do you remember when we were paying three and four hundred dollars for color TVs
at monkey Wards and Sears twenty years ago? And now, I mean what
you get for the price. We all have to agree that electronics, not
electricic I mean, technology has brought the price down when it's in demand.
Right. I think things are relatively expensive, yeah, I mean a phone
is, well, look what you get for that price. What I'm saying
is is that I don't think we've had the clamoring for energy efficient goods.
We haven't had the clamoring for recycling, we haven't had the clamoring for energy
production like we do now. And I think more and more people call them
whatever you want, but that's what they're going for, and the more they
want it, the more that people will produce it cheaper. That's right.
I had this discussion with my dad one time, and I said, Dad,
why were houses in the seventies just not insulated well? And he gave
me this at shared that I wasn't expecting at all. He said, energy
was cheaper than insulation. That's right, and so whatever exactly the most economically
thing viable. And you don't have people looking to make things cheaper and better
when you don't have the audience clamoring for it, that's right. I mean,
that's or the customers and the government incentives thirty percent tax credit. That's
you know, a game change, all right. So anyway, thank you
very much. We uh we are grinding up this car Friday shared at autotech
dot com. Doo and forget three oh three four five five seventy forty two
and call three all three Martino for help. Remember three L three six two
seven eight four six six