Speaker 1: Yeah, ripped up new neat advice, so.
Speaker 2: You don't have.
Speaker 3: Come running.
Speaker 2: It's just as fast as you can.
Speaker 1: Shooter's gonna help come man Dix.
Speaker 4: Is the Troubleshooter Show.
Speaker 2: Now, Tom Martino, Hey, Tom Martino here, Welcome to the show.
Speaker 2: Three oh three seven one three talk three O three
Speaker 2: seven one three eight two five five. I'm still waiting
Speaker 2: for uh Mark to connect. I finally figured out how
Speaker 2: I can get this guy on the.
Speaker 4: Year not even a bro. How are you gonna bring
Speaker 4: me up?
Speaker 5: I'm on YouTube? Okay you are now. A minute ago
Speaker 5: it was just a splash screen, that's all.
Speaker 2: You're scaring the hell out of me there, Mark, No, no,
Speaker 2: I I think I was there. Okay, yeah, it was
Speaker 2: stay tuned for the Troubleshooter. Now I'm trying my automated
Speaker 2: scene switcher. It worked because Dragon. No, wait, who's doing
Speaker 2: the show right now? It is a Shannine. Then Shannon
Speaker 2: did actually hit it at the proper time, And if
Speaker 2: the show goes according to the proper time.
Speaker 4: I can't imagine why it would never according to the proplem.
Speaker 2: Hold on, guys, hold on, uh I'm just full from
Speaker 2: my I had a cat and a dog this morning,
Speaker 2: and god was it was Delicia. I had my my
Speaker 2: immigration my immigrant friends over and they fixed me a
Speaker 2: wonderful breakfast.
Speaker 4: You know, that's the hoddest thing I think held a dog.
Speaker 2: And a side of potatoes.
Speaker 5: What I thought you literally were saying you ate a
Speaker 5: cat and a dog?
Speaker 4: Is that not? Am I the only one they'd heard that?
Speaker 2: Yeah? Yeah, yeah, it's it's for breakfast. And my Venezuelan
Speaker 2: friends are basically going around the neighborhood gathering stray dogs
Speaker 2: and cats, and uh, we're having a wonderful feast. And uh,
Speaker 2: in addition to that, we're listening to Taylor Swift music
Speaker 2: and all kinds of stuff. We're having a wonderful time.
Speaker 4: And uh, you're not going to bait me today. Brother.
Speaker 2: Hey, I actually never got more fun email about you.
Speaker 2: Loving it?
Speaker 4: Oh so I think I should bait you. I should.
Speaker 5: I got one about you. Okay, of course you're going
Speaker 5: to get I was no, no, no, this one was
Speaker 5: kind of shocking. I'm going to pull it up and
Speaker 5: I'll read it at some point. But uh man, this guy,
Speaker 5: this guy, let's just leave it like that.
Speaker 4: Was really upset with you, big Why you know.
Speaker 2: Because I bring out what everyone thinks. I mean, you
Speaker 2: know I'm not And I made this very clear. I'm
Speaker 2: not talking about my preference. I'm talking about what I think.
Speaker 5: You and I think said yesterday. Hold on, I'm just
Speaker 5: gonna have to pull it up on What did.
Speaker 2: I What did I say? Well, I want you to
Speaker 2: get on zoom too, because I want to show people
Speaker 2: how how smart I am to do this.
Speaker 5: So you too, how you feel figured it out? Huh,
Speaker 5: it'll be very interesting. Hold on, I'll have this up
Speaker 5: in a second. So keep your mouth running, keep going
Speaker 5: while I get it up. All right, That sounded really bad.
Speaker 5: No matter how I look, I get it up. Okay,
Speaker 5: Mark three oh three, seven to one three. Talk really seriously.
Speaker 5: It's not a political show. And no, I want to
Speaker 5: make this clear. Bar I ready, hold on, do you
Speaker 5: make comments? I just want to make this clear. Have
Speaker 5: you heard me?
Speaker 2: Yesterday? I wasn't saying anything un reasonable. I was saying
Speaker 2: how this.
Speaker 5: Person thinks you said the most unreasonable thing in the world.
Speaker 4: What did I say?
Speaker 2: Really?
Speaker 5: Disappointed longtime listener of your show. Every day you're fighting
Speaker 5: to get scumbags out of business.
Speaker 4: That's right.
Speaker 5: Today you said you would vote for Trump you have
Speaker 5: no problem to put the biggest scumbag of all time
Speaker 5: in the White House. Rapist, fraud, insurrectionist, convicted felon.
Speaker 2: Somewhat said, let me explain this.
Speaker 5: I did disappointment. What a disappointment you are, Tom Martine. Okay,
Speaker 5: let me explain this. Trump in no way, and I
Speaker 5: mean this now, I really.
Speaker 2: Want to get serious. He doesn't reflect my morals or
Speaker 2: my moral compass. But I don't. I think a lot
Speaker 2: of the charges mark a lot of the civil cases
Speaker 2: were stupid.
Speaker 4: But I'm not even going that far.
Speaker 2: I'm just saying that no one has ever been prosecuted
Speaker 2: for exaggerating on a financials. By the way, financial statements,
Speaker 2: I really need to make this clear. They're not audited instruments.
Speaker 2: Everyone makes out their own financial statement for banks.
Speaker 4: Banks look at them and.
Speaker 2: Then ask for clarification, or they make the loans. These
Speaker 2: banks wanted to make the loans, they knew they were
Speaker 2: good loans. They didn't want to sue. They never got
Speaker 2: they never got dinged dime. Okay. Now, having said that,
Speaker 2: so those were bogus. Now what about the other ones? Well,
Speaker 2: I don't know that much about the.
Speaker 5: Other The section has already weighed in on the immunity,
Speaker 5: so most of those charges are gone.
Speaker 2: But the sexual harassment they're talking about in all know
Speaker 2: what they.
Speaker 5: Talk about that New York literally changed the laws on
Speaker 5: the books in order to go after him, and then
Speaker 5: the law reverted back after they went after Trump.
Speaker 4: For those literally the law reverted back to where they
Speaker 4: couldn't do the same thing again.
Speaker 2: It's true what Mark is talking about. Honest to god,
Speaker 2: they specifically extended the statute of limitations for sexual harassment
Speaker 2: and rape, specifically for civil damages for a six month period.
Speaker 2: After the lawsuit was filed. The law went away, and
Speaker 2: they've hurted it.
Speaker 5: I mean, but there are still people going after Mark Martin.
Speaker 4: I'm not denying that.
Speaker 2: I'm trying to explain to this guy why would vote
Speaker 2: for but what here's what people say about that even
Speaker 2: though they changed the law, had he never done it,
Speaker 2: it wouldn't have been an issue.
Speaker 4: So I'm not going to go there.
Speaker 2: All I'm going to say is this, I don't personally
Speaker 2: I know Mark loves him, I don't personally like him.
Speaker 2: I don't like him like he's upset with He's a child.
Speaker 2: If you heard him in that debate last night. I
Speaker 2: have the biggest crowds ever. I have the biggest this,
Speaker 2: I have the biggest that, I got this many of most.
Speaker 2: Nobody's ever done this, Nobody's ever done that. Okay, look,
Speaker 2: I don't like all that bravado. Here's all I'm saying.
Speaker 2: By having him in office, you do get to stop
Speaker 2: a lot of other nonsense. It has nothing to do
Speaker 2: with him. Why why for one believe not one person
Speaker 2: in that office is going to change the course of history.
Speaker 2: But what I do think is they will allow others
Speaker 2: to have voices because right now, no matter how you
Speaker 2: look at it, we have a lopsided government and our
Speaker 2: country is swinging way way, way, way too far left.
Speaker 2: I don't want it to swing way, way, way, way
Speaker 2: too far right. I tend to be very and nobody
Speaker 2: cares what I tend to be. But I want this
Speaker 2: guy to know why I said Trump It wasn't for
Speaker 2: Trump the person, because I don't really care about that
Speaker 2: and all this crap about the person. You know what,
Speaker 2: Biden's not a great person either. He's been in business,
Speaker 2: he's been in the government business for forty some odd years,
Speaker 2: and takes bribes like all of them. They all suck.
Speaker 2: So what you have to do is pick the lesser
Speaker 2: of evils. That's really what you have to do. And
Speaker 2: they all suck. They really all suck, except for Jimmy Carter,
Speaker 2: and he sucked as a president. You know, I think
Speaker 2: Clinton was okay, I wasn't that terrible about Obama. I
Speaker 2: love Reagan. I mean, look, here's the bottom line. I
Speaker 2: don't no one cares how I'm good of votes, So sir,
Speaker 2: you should even care, you know, go in and pull
Speaker 2: the lever for whoever you want. But but I don't believe, Okay,
Speaker 2: I don't believe we need more of the same.
Speaker 4: That's all. That's all.
Speaker 2: Now, having said that, I'm digesting my dog and kat
Speaker 2: I'm listening to Taylor Swift during the breaks. I'm having
Speaker 2: a good time here, you know.
Speaker 5: And I do want to say something about that debate
Speaker 5: real quick. She definitely won, but the fix was in
Speaker 5: for him. She'd never seen moderators like fact check. I
Speaker 5: think they fact checked them forth on the run. They
Speaker 5: didn't do anything nothing to Kamala. And she puts some
Speaker 5: big whoppers out there. Here's the one, here's the one
Speaker 5: they always save the one.
Speaker 2: Here's the one he always says that they always say
Speaker 2: they always say this, he's going to adopt Project twenty
Speaker 2: twenty five. How many times can he say he's not?
Speaker 2: Then he then he's going to have a national abortion ban.
Speaker 2: He said leave it to the states. But that's not
Speaker 2: that's not what they want him to say. So they
Speaker 2: put words up. Why didn't they fact Why didn't they
Speaker 2: fact check that? Well?
Speaker 4: I don't know, because it was it was three.
Speaker 6: Ones the democratic partisan side.
Speaker 2: Okay, you know they have I don't want to be
Speaker 2: a mark. I want you to get on so I
Speaker 2: can show people how smart he break.
Speaker 4: I'll try it.
Speaker 7: Hey, Tom, One thing you know that you said, I
Speaker 7: really believe that if if the Democrats retained power, it
Speaker 7: will change history because the unfettered immigration crisis will contart.
Speaker 2: But doc, I didn't say it wouldn't. I said, one
Speaker 2: person can't do that in thetive office.
Speaker 8: No.
Speaker 7: I think if Kamala gets elected, then we will have
Speaker 7: an unfettered immigration crisis and it will change the country.
Speaker 4: It's not because of one person.
Speaker 5: No, it is not because it's because you can close
Speaker 5: that border.
Speaker 4: Man.
Speaker 2: If congret listen, if you add a Democratic president and
Speaker 2: Republican lawmakers, that would be different. And then you have
Speaker 2: conservative court or liberal court, and and you have Democrat
Speaker 2: Congress and a Republican president. All I'm saying is our
Speaker 2: system is set up or one person can't do that
Speaker 2: much doubt.
Speaker 5: When it comes to the border, though I have to
Speaker 5: disagree with you.
Speaker 4: They can cat down the border with this way.
Speaker 2: Yeah, pay, you're right, executive orders and all of that.
Speaker 2: And by the way, I for one think executive orders
Speaker 2: are overdone. They're totally overdone, and I think there should
Speaker 2: be more oversight for that.
Speaker 4: By the way, I just I want to say.
Speaker 2: One, no one really as I said, no one really
Speaker 2: cares about my political views. But when you.
Speaker 5: Write critic you've been around this town. I want to
Speaker 5: tell you exactly the sentiment. And I'm speaking for a
Speaker 5: lot of people, not myself, but it's this. You're the troubleshooter.
Speaker 5: You're the guy that puts the scumbags away. You're the
Speaker 5: one that spreads that spotlight on the news stations for
Speaker 5: forty years, on the radio, in print.
Speaker 4: You're that guy.
Speaker 5: So when you talk about politics, they get really pissy,
Speaker 5: some of them, usually the lefties.
Speaker 2: I tend to be conservative when it comes to economic issues,
Speaker 2: and I crime, and yeah.
Speaker 4: When it comes to when it comes to.
Speaker 2: Social issues, I don't think we should ever be involved
Speaker 2: in that. I mean, everyone just is so busy trying
Speaker 2: to tell people how to live their lives. Who cares?
Speaker 2: I think where it gets, where it gets messy is
Speaker 2: where that starts infringing on others people lives, and that
Speaker 2: gets into all of that sports thing with transgenders.
Speaker 4: And I don't even get involved in that.
Speaker 2: I think that's up to those who participate to make
Speaker 2: the rules. I don't participate in that. If it affected me,
Speaker 2: maybe I would. I have to code to Carl now
Speaker 2: real quick to start this. Carl, go ahead, what's going on?
Speaker 9: Man?
Speaker 2: Hey?
Speaker 10: Tom? Are you doing that? Thanks for taking my god?
Speaker 2: What's happening?
Speaker 11: Question about credit credit cards? Not knowing?
Speaker 10: Just wondering if if have being too many credit cards?
Speaker 10: And is there any laws that which I guess the
Speaker 10: person would be violating? And before you, before I say that,
Speaker 10: can me give you a kind of a background. I
Speaker 10: was talking to a family member yesterday and he basically
Speaker 10: and I and you know, I got the average credit card,
Speaker 10: a couple of credit cards, and my family member said,
Speaker 10: I have eighteen credit cards sold in a quarter million
Speaker 10: dollars and I said, I think that's something not right
Speaker 10: with that. And the reason why I thought it because
Speaker 10: I said, well, how does one you know? But if
Speaker 10: he's not capable of paying you know, that quarter million
Speaker 10: dollars back, I mean, what could the credit company take
Speaker 10: some kind of legal action, not just sue him and
Speaker 10: get it judgment. I'm saying, is there any fraud or
Speaker 10: anything like that?
Speaker 2: You mean fraud because you know what I want to
Speaker 2: talk about that there actually have been lawsuits like that
Speaker 2: and there's a very good chance, well not a good chance,
Speaker 2: but a chance that could happen. I'm gonna consult with
Speaker 2: my expert, Taylor Swift on this and then I'll be
Speaker 2: back to you, and more so, hang on seriously, we'll
Speaker 2: come back with an answer. I'm Tom Martine Moore. Right
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Speaker 2: three oh three nine two zero sixteen twenty two. Hi
Speaker 2: Tom Martino, your troubleshooter three oh three seven one three
Speaker 2: talks seven one three eight two five y five. Waterpros
Speaker 2: dot net. They have that special, the unbelievable special, and
Speaker 2: that's the one where you can get the whole house
Speaker 2: softening and get rid of all the chemicals, plus triple
Speaker 2: filter reverse osmosis for drinking for thirty one ninety five.
Speaker 2: I'm going to tell you some Mark, what would that cost?
Speaker 2: With a plumber? What would it cost? Fifteen sixteen grand
Speaker 2: for those two systems are more probably twelve yeah, eight
Speaker 2: six two five five y five four. That is three
Speaker 2: oh three eight six two five five five four. Paul
Speaker 2: the Waterman, it's waterpros dot net. Now Carl wants to
Speaker 2: talk about something is very interesting. Now, Carl, there is
Speaker 2: something I want to talk about, and that is when
Speaker 2: you have credit cards. And uh, actually, Mark and I
Speaker 2: discussed this years ago, and it was it was so right,
Speaker 2: it was so right the way the way we did it,
Speaker 2: and that was this. What happened was it was kind
Speaker 2: of like the way he explained it is that we.
Speaker 4: Had to.
Speaker 2: How do you but we had to have enough credit
Speaker 2: cards that our usage every month did not go over
Speaker 2: a certain percentage.
Speaker 4: But at the same time, it.
Speaker 2: Couldn't be too much too many credit cards. So what
Speaker 2: you want to do, For example, let me just give
Speaker 2: you an example.
Speaker 4: If you have a.
Speaker 2: Credit card, one credit card, and you use that credit card,
Speaker 2: your credit will go up and down during the month
Speaker 2: tremendously based on percentage.
Speaker 5: Mind flexes by any given time based.
Speaker 2: On percentage of credit used. So when you have to
Speaker 2: credit card cards, the chances of that happening are less
Speaker 2: because if you have now instead of one thousand dollars
Speaker 2: in credit, you have two thousand in credit, and you
Speaker 2: use one card, you still have another whole thousand left.
Speaker 4: So percentage of credit used is less.
Speaker 2: The more credit cards you have is good when it
Speaker 2: comes to percentage of credit used.
Speaker 5: Yeah, it's more credit no matter you look at it.
Speaker 5: People have extended you more credit, but they want you
Speaker 5: to have the credit extended but not to use it.
Speaker 5: It's weird.
Speaker 2: They want you to use a certain percentage of the
Speaker 2: credit and I believe to get really high marks. You
Speaker 2: never want to go over thirty percent of credit granted. Well,
Speaker 2: as Mark was alluding to, and what happens with us
Speaker 2: with business, we use the credit cards to get points
Speaker 2: and everything. We put everything on those everything, everything. So
Speaker 2: at the end of the month we're looking like bums,
Speaker 2: right because we're using eighty seventy percent of our credit.
Speaker 2: Eighty percent of our credit. But here's the point, it's
Speaker 2: best to use thirty percent or less. It's called good
Speaker 2: credit utilization. That's one algorithm. But then there's another one,
Speaker 2: which is strange. If you have too much credit granted
Speaker 2: to you in regards to income, then you can have
Speaker 2: a serious problem, you see. And that's where that's where
Speaker 2: it gets to be weird, is where you.
Speaker 5: But but to circle back, Carl, it is not illegal
Speaker 5: unless if you're trying to perpetrate some kind of fraud
Speaker 5: like now bankruptcy or something that's not Tell them.
Speaker 2: What happens, Tell them what happens. If you declare a
Speaker 2: bankruptcy and you had all of those what would.
Speaker 5: Happen, well, ninety nine percent of the time, it wouldn't
Speaker 5: be fraudulent. It's un there's nothing the credit card companies
Speaker 5: can do. There's no security like if it is on
Speaker 5: a house. So basically the debt gets wiped out. It's gone.
Speaker 5: Let's say you were Trump, Well then they'd come after you.
Speaker 2: No, I'm serious or somebody like that. They will come
Speaker 2: after you and say you use too much credit.
Speaker 4: Yeah, but generally speaking, in a bankruptcy, all your credit
Speaker 4: card debt's gonna go away, unless once again, you were
Speaker 4: perpetrating some kind of fraud. And that's the whole point.
Speaker 5: But most people who that have eighteen credit cards, the
Speaker 5: problem isn't fraud. The problem is they start using one
Speaker 5: credit card to pay for another credit card, to pay
Speaker 5: for the card, to pay for the mortgage, to pay
Speaker 5: for the rent, the phone bill, everything else, and pretty
Speaker 5: soon all eighteen are maxed out. They can't get any
Speaker 5: more credit. Then they got to pull that trigger.
Speaker 2: Now, if I'm gonna put you on, if I'm gonna
Speaker 2: put you on, here people, what you have to do
Speaker 2: is look right now, you look at the camera. Look
Speaker 2: at Marky is on. There you go. Now. YouTube has
Speaker 2: a little lag in it, but Mark is on. So
Speaker 2: I can put him on when he's talking, or I
Speaker 2: can put him over my shoulder. I can manipulate him
Speaker 2: anyway I want.
Speaker 4: Wow. Yeah, sounds great, Yes, I can. Good time to
Speaker 4: do this.
Speaker 2: What's that?
Speaker 4: This is a good time to work on it?
Speaker 2: What's wrong with working on it?
Speaker 6: Now?
Speaker 2: I'm gonna put him over my shoulder. I'm gonna put
Speaker 2: him on Okay, so there he is. Now, Now watch
Speaker 2: this one.
Speaker 4: Hold on, I got to figure out. Look at this one.
Speaker 4: Now he's over my shoulder.
Speaker 2: Hold On, don't.
Speaker 4: See well it has a little lag in it.
Speaker 2: Doc is there? No, I don't see it. Do Doc
Speaker 2: normally doesn't see his face.
Speaker 4: That's probably looking at you know, Yahoo dot com.
Speaker 7: Hey, Tom, if you want to hear something interesting instead
Speaker 7: of all this, I just said something that showed the
Speaker 7: price of insulin in forty countries.
Speaker 4: The price of insulin in forty countries.
Speaker 6: States was about one hundred dollars.
Speaker 4: The next thirty five, Doc, I don't think your MIC's on.
Speaker 7: Oh Tom, I'll say he's poice of insulin in the
Speaker 7: United States is about one hundred dollars for dose. In
Speaker 7: the other thirty five countries, it went from three dollars
Speaker 7: to twenty dollars.
Speaker 6: Max. Is that ridiculous? Yeah, it is like to make
Speaker 6: a call.
Speaker 2: Yeah, So anyway, Doc, it's not only insulin. There's a
Speaker 2: whole bunch of stuff. This is happening with a whole.
Speaker 7: I know that's one of the most hused drugs in
Speaker 7: our country.
Speaker 4: Yeah it is.
Speaker 2: Three oh three seven one three talks. So from now on,
Speaker 2: Mark can't complain because when he is, uh, always see him. Yeah, exactly,
Speaker 2: He's going to be on and you're gonna and it's
Speaker 2: gonna be doing whatever.
Speaker 4: I'm pretty sure I'm frozen there, bro, I.
Speaker 2: Don't think you're frozen now, I see it moving. I
Speaker 2: think that YouTube might be screwed up sometimes, you know
Speaker 2: the YouTube, But he's there if anybody wants to see
Speaker 2: what we're doing here, I'm just trying to update this anyway.
Speaker 2: Three oh three seven one three talks seven one three
Speaker 2: eight two five five. Now, somebody said we should bet
Speaker 2: on the outcome of the election.
Speaker 4: I'm done betting with you, sir.
Speaker 2: You don't think I pay it, but you're not that
Speaker 2: you just one reason I don't like betting is because
Speaker 2: I don't want to bet against what I want to happen.
Speaker 4: Oh, here comes to hate mail now, No, I just.
Speaker 2: I don't want to bet against what I want to happen.
Speaker 2: I want to see more balance in the government. I
Speaker 2: want to get rid of the Democrat in the White House,
Speaker 2: and I want to see balance in both houses. Here's
Speaker 2: the text, Tom. Have you noticed there was no previous
Speaker 2: former Republican president vice president that endorsed Trump and was
Speaker 2: at his convention, including Trump's previous VP.
Speaker 4: Yeah.
Speaker 2: No one who works with worked with him before, will
Speaker 2: ever use him again. In fact, they they endorse Harris.
Speaker 2: All the people who worked with Harris loves her. Anyone
Speaker 2: who served under Trump denounces him. Of course, what does
Speaker 2: that say about him?
Speaker 4: He's a tough boss.
Speaker 2: The people who were unsaved and did things on his
Speaker 2: behalf are serving time in jail or indicted. There were
Speaker 2: more people indicted in the Trump administration.
Speaker 5: Well, that's because the Democrats own the Department of Justice and.
Speaker 2: For the super MAGA. It is just that if they
Speaker 2: tell you a lie long enough, you're going to believe it.
Speaker 5: Now, where did that come out of? What playbook? Did
Speaker 5: that come out of that laptop?
Speaker 4: My friend? There's nothing to see here.
Speaker 5: How many people was at eighteen DOJ and FBI before
Speaker 5: the election came out in twenty twenty, saying that it
Speaker 5: was Russian propaganda, and we were told that until what
Speaker 5: until everybody said, oh, whoops, we were wrong.
Speaker 4: That was under his laptop.
Speaker 2: Now somebody said this, as a YouTube watcher of your program,
Speaker 2: I have been overhearing that soon if the program is
Speaker 2: going to be broadcast from iHeart, it won't be on YouTube.
Speaker 2: I've never heard anything.
Speaker 5: Well, now, we were kind of discussing that on air,
Speaker 5: or at least off air on YouTube. Oh did did did?
Speaker 5: I I'm not We're probably not going to have Wi
Speaker 5: fi here. Oh is that what you were talking about?
Speaker 2: I know he was saying, a policy of iHeart will
Speaker 2: be their shows camp be on YouTube. Why would why
Speaker 2: would they ever do that?
Speaker 4: No, why would they do that? That would be crazy.
Speaker 2: I don't know. I mean that would be crazy too.
Speaker 2: I mean, you want as much distribution of your product
Speaker 2: as possible.
Speaker 4: Not already that.
Speaker 5: But I mean, you know, there are Flagship, and there
Speaker 5: are friends, and they're great people, but they don't know
Speaker 5: the show.
Speaker 2: Yeah yeah, but but they of course could say, hey,
Speaker 2: you know, we're not doing it and do whatever they want.
Speaker 2: It's their studio, agree and anybody can. Anybody can. So
Speaker 2: the point is this, you know, the real. The real
Speaker 2: point is you have to kind of.
Speaker 6: You.
Speaker 2: It's just the kind of thing that you have to
Speaker 2: play ball with. I mean, there are so many points
Speaker 2: of distribution right now. What most broadcast are upset about
Speaker 2: is not that the on air product is being rebroadcast.
Speaker 4: It's when it doesn't.
Speaker 2: Carry commercials or they don't make money off the commercials.
Speaker 2: This is something all broadcasters and all media people don't like.
Speaker 2: They don't want you using their stuff and making money. Now,
Speaker 2: when you post on YouTube, you agree to that. You
Speaker 2: say I'm going to allow you to do this. So
Speaker 2: to a certain extent, you give up that right. And
Speaker 2: maybe there's talk with big broadcast chains if where our
Speaker 2: shows are going to be on we need a piece
Speaker 2: of the revenue. Who knows anyway, I'm Tom Martino three
Speaker 2: three seven to one three talk, get your calls in,
Speaker 2: and honest to god, I'd really like to know without
Speaker 2: getting into the Hey, I would like to know what
Speaker 2: you thought about performances, Just performances, not what they were saying,
Speaker 2: because do you know most people look at performance and
Speaker 2: not what people say. Did you know that she was
Speaker 2: very composed and very tegether like a prosecutor would be
Speaker 2: it's hard, but listen, another thing. She never denied raising
Speaker 2: bail money for the riots and all that other stuff
Speaker 2: and defunding police. I mean, but I am not telling
Speaker 2: you that one side one or the other. I want
Speaker 2: to know what you thought she won.
Speaker 4: But once again, that goes back to dirty tricks.
Speaker 5: And I'll just say this, and people hate this, but
Speaker 5: when Trump talks about, you know, the election being fixed,
Speaker 5: I don't think he's necessarily talking about like they somehow
Speaker 5: planted or came up with votes. I think it was
Speaker 5: stuff like the Biden laptop, the stuff like people on Twitter,
Speaker 5: they couldn't even hear from him anymore. Facebook blocked him.
Speaker 5: I mean, it was all of those which were basically
Speaker 5: dirty tricks, but the biggest one, that Hunter laptop, I
Speaker 5: think would have swung the election the other way, and
Speaker 5: that's just wrong. They can't do it. So with the debate,
Speaker 5: there's no way Trump won. I mean, she dominated the
Speaker 5: whole thing, with the exception of maybe the first minute
Speaker 5: or two. In the last two minutes, I thought he
Speaker 5: did a lot better. But other than that, she sandwiched
Speaker 5: him in between and killed him. But here's the deal,
Speaker 5: it doesn't even matter. It was three on one. It
Speaker 5: was a dirty trick.
Speaker 2: Anyway, we got more coming up. You saw Marky there.
Speaker 2: I was a little late on the trigger, but I'm
Speaker 2: getting better at it doing this YouTube directing. Some of
Speaker 2: it's automatic. So anyway, give us a call if you
Speaker 2: have a problem, question or complaint. We'll be right back
Speaker 2: with more. And I want to tell you about Frankrand
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Speaker 2: I sell, should I not sell?
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Speaker 2: twenty two. Hi Tom Martino, here your troubleshooter. Eight eight
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Speaker 2: Garrett and the Boys You'll love three h three seven
Speaker 2: seven zero two seven seven six. All right, Deputy Bow
Speaker 2: has a follow up? I believe. Let me get this
Speaker 2: feed people. Uh we got deputy is Deputy Bow on camera?
Speaker 2: There is he there or not?
Speaker 6: I'm here, Tom, Okay.
Speaker 4: Get you get have Mark turn that camera? Oh yeah,
Speaker 4: I'm gonna walk around with his camera.
Speaker 6: I don't need pictures.
Speaker 2: Oh is that him in the background there?
Speaker 4: Wait here, wait, wave at me, bro wave at me.
Speaker 2: Okay, that's you. Okay, go ahead now I'm going to
Speaker 2: keep you up while you're talking.
Speaker 6: Go ahead, okay. A small follow up.
Speaker 12: This is on Eric that called on August fourteenth in
Speaker 12: eleven o'clock hour.
Speaker 2: What was his name? Eric?
Speaker 6: Eric?
Speaker 12: Yeah, he was getting.
Speaker 6: Problems at King Supers.
Speaker 2: He was oh no, no, no, no, no, no. You're
Speaker 2: talking about the guy that was called a racist, right, anyone,
Speaker 2: that's a big story. That guy said that. This white
Speaker 2: clerk said, I ain't wait oh wait no, no, he
Speaker 2: wasn't a racist. She was right, he said. He went
Speaker 2: and asked her to picked some cigarettes out of the
Speaker 2: She was up at the god booth there and he said,
Speaker 2: can I have some cigarettes? She goes, no, ask so
Speaker 2: and so who's a black man? Because I'm racist? And
Speaker 2: he claimed that she treats them like crap, and they
Speaker 2: all treat them like crap because they're racist.
Speaker 12: Go ahead, right, And he was selling burritos outside these and.
Speaker 4: They told him he can't do that. He was just
Speaker 4: very upset. Look at I'm not going to belittle what
Speaker 4: he's saying.
Speaker 2: He said, that they are treating him bad because he's black.
Speaker 12: Right down the bottom line.
Speaker 6: I think it was just a rude comment.
Speaker 2: But he was I thought it was. People said it
Speaker 2: was sarcastic comment, meaning that I thought meaning he apparently
Speaker 2: called her racist before or thinks she's racist. So when
Speaker 2: he asked her to get cigarettes, I think what happened
Speaker 2: was she was kind of pissed at him anyway and said, no,
Speaker 2: ask so and so, who is another clerk? Let Glennard
Speaker 2: help you. I'm racist, And then that's what's it. Then
Speaker 2: he also said he had four stage cancer in his
Speaker 2: prostate colon, lung and brain, which right.
Speaker 12: The only thing I was concerned about him is that
Speaker 12: he said on the air that they banned him from
Speaker 12: the store. And I was concerned about the guy with
Speaker 12: this answer that he couldn't go into the pharmacy.
Speaker 2: What about it?
Speaker 12: So I called the manager down onto the administrative offices
Speaker 12: just see if they had comment on it. And wouldn't
Speaker 12: do it. So I drove out to that Stapleton store. Yeah,
Speaker 12: and I just talked to one of the officers. I
Speaker 12: think it was a Denver police officer.
Speaker 6: They knew him.
Speaker 12: All I wanted to find out is old grumpy Eric
Speaker 12: allowed to go into the store and get his drugs
Speaker 12: for his chemotherapy, and he is, he is allowed to
Speaker 12: go into the store. So if he's listening, I know
Speaker 12: he knows that he's allowed, but he's sat on the
Speaker 12: air that he was totally banned from the store.
Speaker 6: And that's not true.
Speaker 2: Okay, that's all I have, and I think we well,
Speaker 2: that's good. No, No, that's good because that was the
Speaker 2: one thing we were concerned about bo that you know
Speaker 2: he was he kept claiming he couldn't go there to
Speaker 2: get his meds. Of course, I said, go anywhere else?
Speaker 2: Who cares, right, I.
Speaker 6: Mean he couldn't.
Speaker 2: He can't drive.
Speaker 12: And I get apparently that Stapleton store is only a
Speaker 12: few blocks from where he lives, so he can go
Speaker 12: into the store and get his droughts.
Speaker 2: Mark, how do we answer this one? Since you handle
Speaker 2: all this stuff? It says we love listening to podcasts
Speaker 2: and we're one of the many thousands that downloaded. And
Speaker 2: I get this a lot, Mark, I get this from
Speaker 2: all over the country. I mean, we're one of the
Speaker 2: top downloaded shows. But here's what I hear. Who the
Speaker 2: hell inserts the commercials in the podcast. They're haphazard. Sometimes
Speaker 2: they come in the middle of a sentence. Now, so
Speaker 2: there's different ones. We insert a few commercials.
Speaker 5: The ones we do were Compass, Frank Duran and somebody
Speaker 5: ouse I forget offhand, but those are really quick. They're
Speaker 5: like ten second spots and they run together and they're
Speaker 5: inserted willy nilly.
Speaker 4: But who cares.
Speaker 5: The problem is anybody that uploads it to different places
Speaker 5: they insert their own commercials, So by the time someone
Speaker 5: actually listens to the show, there could be one hundred
Speaker 5: commercials put in there by numerous different people. That's generally
Speaker 5: how it works. Okay, okay, so we insert some, then
Speaker 5: iHeart inserts some and then give me one. Spotify then
Speaker 5: insert some Apple Music, then inserts some Wherever you're listening
Speaker 5: to it, they insert their own commercials. iHeart inserts their
Speaker 5: own commercials. We insert our own commercials. So depending on
Speaker 5: how you listen to it, you might get ten commercials
Speaker 5: or you might get fifty.
Speaker 2: God man, but there's nothing we can do about the placement?
Speaker 9: Is nothing?
Speaker 4: Of course enough? All right?
Speaker 2: That was Mark? And isn't it nice to see to
Speaker 2: both people? I can go back and forth here I am.
Speaker 5: I gotta figure out where to put that camera in here? Though,
Speaker 5: I think I'm gonna put it where the old one
Speaker 5: used to be. But here's the problem. This is gonna
Speaker 5: work out wrong.
Speaker 2: Yeah yeah, hello, yeah, I said put it where the
Speaker 2: sun don't shine?
Speaker 4: Oh yeah, well that's funny. Okay, here's what I think.
Speaker 4: Where is that?
Speaker 5: Where is where does the suddenly I don't know that's
Speaker 5: the same. How do you know the sun doesn't shine
Speaker 5: on my ass? Well, first of all, no one said
Speaker 5: it was your ass. Oh hold on, we got a little,
Speaker 5: we got the survey up. Does the feed look better
Speaker 5: since Tom took it over? Okay, let's see.
Speaker 2: Yeah, well it's not overwhelming, but it's it's I got
Speaker 2: a majority.
Speaker 5: Come on, how can you say no? Then they're gonna
Speaker 5: love it when all of a sudden it doesn't work.
Speaker 2: Well, that could happen to anyone, right, Okay, Yes, more
Speaker 2: coming up on the Troubleshooter Show. Stay tuned and we
Speaker 2: have a lot of excitement. We're gonna give my best
Speaker 2: dog and cat recipe right after this. Go with a
Speaker 2: sure thing Denver's Best roofer Excel Roofing dot com. You
Speaker 2: don't pay a cent until you're contenth time for an
Speaker 2: insurance check up free no obligation comparison call Compass Insurance
Speaker 2: paying too much your coverage at dozens of insurance companies
Speaker 2: find out now three all three seven seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate man dot com to list your
Speaker 2: home with Remax Alliance three all three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martino here three oh three
Speaker 2: seven one three talk three O three seven one three
Speaker 2: eight two five five. Uh, you got Mark over there
Speaker 2: in the studio. Bo I trust you got all the
Speaker 2: the uh updates. Here's some texts, Now, I have texts.
Speaker 2: Here's where I get texts five seven seven three nine
Speaker 2: is the iHeart app? And then I have the calls,
Speaker 2: the uh, the uh uh Google thing seven four seven
Speaker 2: nine nine. And here's one that says Tom, if I
Speaker 2: was hiring a nanny to watch my kids, it wouldn't
Speaker 2: be Trump. But he's the best for running the country
Speaker 2: and cleaning out the swamp. Anyway. There's a lot of
Speaker 2: other stuff too. I'm putting a few together. I'll read
Speaker 2: coming back. Plus, we're solving your problems, answering questions and
Speaker 2: taking complaints on The Troubleshooter Show. Go with a sure
Speaker 2: thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 2: pay a cent until you're contenth time for an insurance
Speaker 2: checkup free no obligation comparison call Compass Insurance paying too
Speaker 2: much your coverage at dozens of insurance companies find out
Speaker 2: now three all three seven to seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three all three nine two zero
Speaker 2: sixteen twenty two. Yeah, ripped.
Speaker 1: New need advice?
Speaker 3: Who you don't have?
Speaker 1: Come running just as fast as we can. Shooter's gonna help.
Speaker 4: Come man, This is the Troubleshooter Show.
Speaker 2: Now Tom Martino, Hi, Tom Martino, Your Troubleshooter three O
Speaker 2: three seven one three talk three all three seven one
Speaker 2: three eight two five five. Let me get rid of
Speaker 2: that zoom one and make a better one. So we're trying.
Speaker 2: We're trying, folks. Our feed is UH is h new
Speaker 2: new software and UH if you're tuning into the YouTube stream,
Speaker 2: it's just a little, a little some growing pains. By
Speaker 2: the way, Welcome to the show. No kidding around. We
Speaker 2: are solving problems, answering questions, and taking complaints. And Compass
Speaker 2: Insurance reports that yesterday they had a tremendous, tremendous amount
Speaker 2: of response to the insurance Help Center. You can always
Speaker 2: get free quotes and if you're if you have a
Speaker 2: great deal.
Speaker 4: Wouldn't even want to know that.
Speaker 2: The Insurance help Center dot Com through a three nine
Speaker 2: nine six nine thousand. So we were discussing a number
Speaker 2: of things and this stat came out that I think
Speaker 2: you won't find surprising. College kids are the number one
Speaker 2: victims of scams during the back to school season. College students,
Speaker 2: not high school college students. As they return to campuses,
Speaker 2: they are being hit up for all kinds of credit cards, words,
Speaker 2: business scams, influencer schemes online especially TikTok, and those with
Speaker 2: the ads a lot of them are ripping them off
Speaker 2: getting information.
Speaker 4: They're also being targeted. I'm just going to say it.
Speaker 2: This article and a few articles I read don't say it.
Speaker 4: It's because they're stupid.
Speaker 2: When it comes to everyday life. We do not have
Speaker 2: an educational system that prepares people for life.
Speaker 4: It prepares them for academics and.
Speaker 2: Not for life. Not for life, you know. I imagine as
Speaker 2: you get into your specialty, if you went to graduate school,
Speaker 2: post secondary postgraduate like being a doctor, I don't know,
Speaker 2: deputy doc. If you remember back then, did medical school
Speaker 2: actually teach you the finer art of dealing with patients?
Speaker 2: Did you take psychology courses?
Speaker 9: No?
Speaker 6: Seriously, no they did.
Speaker 2: No, No, I didn't know that, so they really did. They
Speaker 2: talked about when you deal with a patient?
Speaker 4: What course?
Speaker 6: I mean, No, I didn't know that.
Speaker 7: You learn how to deal with patients, how to interview them,
Speaker 7: how to take a history.
Speaker 2: Obviously you need to know that they try to impart
Speaker 2: some empathy to you or oh your house, okay.
Speaker 7: And how take a history from a patient? And you know,
Speaker 7: of course, and that's been getting more and more as
Speaker 7: time passes.
Speaker 6: You know, we may have been ten percent.
Speaker 7: It's probably up to fifty percent now because medical schools
Speaker 7: will becoming more and more aware that you need that skill.
Speaker 2: Very good now, by the way, you can call three
Speaker 2: h three Martino three oh three six two seven eight
Speaker 2: four sixty six. Here's the point when when college students
Speaker 2: hit the road for college, they look for ways to
Speaker 2: make money. A lot of them are looking for passive
Speaker 2: income or income that doesn't take a lot of work.
Speaker 2: Does that sound familiar. I don't know if it's lazy,
Speaker 2: but they feel they can make big money, and they're
Speaker 2: being signed up to do secret shopping or to take
Speaker 2: surveys and supposedly it pays. Many of them are downloading
Speaker 2: apps that tell you can win money playing games. Solitaire,
Speaker 2: all kinds of games. That's just one of them, but
Speaker 2: a lot of them are skill games and they say
Speaker 2: you're going to make money, and a lot of the
Speaker 2: they're just getting their faces ripped off they're signing up,
Speaker 2: and it's amazing to me. It's totally amazing to me
Speaker 2: how they're being ripped and how they're being taken advantage of.
Speaker 2: There's almost there's almost none of them that are true. Hey,
Speaker 2: surveys and secret shoppings. I just want to warn me
Speaker 2: how many don't exist. Or they take your money and
Speaker 2: say they're going to sign you up, go ahead, whoever
Speaker 2: you go.
Speaker 7: I looked up one of those games where you can
Speaker 7: win money, and just out of kicks, I won fourteen cents.
Speaker 6: By playing with Delitaire.
Speaker 2: By the way, did you see those ads they talk
Speaker 2: about hundreds of dollars a day.
Speaker 4: Oh yeah, and then you have to pay.
Speaker 2: What I didn't understand is you have to put money
Speaker 2: on deposit and pay for each game.
Speaker 7: Well unless you do the free ones where you can
Speaker 7: win fourteen cents.
Speaker 4: And here's the deal. I mean, no one makes money.
Speaker 2: I don't care what they say they interview these people supposedly,
Speaker 2: you know on these ads that you have to watch
Speaker 2: in between. I hate these games where it's so hard
Speaker 2: to get to the game. You got to watch ad
Speaker 2: after ad after I'd rather just pay for the damn game.
Speaker 2: But even when you pay for it, you still have
Speaker 2: to watch ads. There's nothing free, and a lot of
Speaker 2: them now, even when you pay for no ad ads.
Speaker 2: There are so many in app purchases. Have you noticed
Speaker 2: the latest thing with apps is you have to put
Speaker 2: in a credit card. You get a three day trial
Speaker 2: or a six day trial or a five day trial,
Speaker 2: and then they start charging you and you have to
Speaker 2: pay monthly. There are hardly any true free apps anymore
Speaker 2: that are truly free.
Speaker 4: So when it comes to things.
Speaker 2: Like that like AI photo retouching and all of that,
Speaker 2: you have to pay like four bucks a week or
Speaker 2: so much a month. You can buy a yearly subscription
Speaker 2: and you don't get any ads, but you have to
Speaker 2: pay the other one if you get there. There are
Speaker 2: none of those that offer ads for no payment. Now
Speaker 2: that's where I would accept an AD during games. I
Speaker 2: don't like that. But if you're getting a functional like
Speaker 2: they have a fitness app for your phone, it's really incredible.
Speaker 4: It really does work well where the.
Speaker 2: Sensors will sense your pulse and they say it read
Speaker 2: blood sugar. I don't know how that's even possible even
Speaker 2: without a U unless you have one of the USB readers.
Speaker 2: They have some of those glucose readers that you plug
Speaker 2: into the bottom of your phone here and it will
Speaker 2: give you a certain amount of blood measurement. But doc,
Speaker 2: I don't know if you've seen those apps. They're incredible apps,
Speaker 2: but they cost a lot of money. I mean, you
Speaker 2: have to. You have to pay monthly for those suckers,
Speaker 2: or you're not going to get anywhere. So in any case,
Speaker 2: let me go to this one text. It says Kamala
Speaker 2: was wearing audio earrings and getting coached. Now, come on,
Speaker 2: where did you read that audio earrings? Somebody else says,
Speaker 2: have you noticed that Trump was not as yellow and
Speaker 2: his hair was not as bleached. Anybody know that. Anybody
Speaker 2: see that. All of the articles are saying that Trump
Speaker 2: lost and that she really proved herself. I'm not sure
Speaker 2: I'm going to go that far. But she didn't do
Speaker 2: what people thought. Deputy Doc said, just let her talk
Speaker 2: and it'll be word salad. But it wasn't. So somebody
Speaker 2: Mark said, for your camera to get rid of the sidebars.
Speaker 2: Do you go landscape or are you on?
Speaker 4: Are you on landscape or are you on uh wide?
Speaker 2: Okay, see, I don't know. That's just the Samsung phone.
Speaker 2: I guess they can't do what the Apple does? You
Speaker 2: know that there's no discussion.
Speaker 5: I'm sure that Apple's got a much better camera than
Speaker 5: my S twenty four ultrap.
Speaker 2: Here's a text Tom. As a member of the Klan,
Speaker 2: I have to report that Kamal has been working with
Speaker 2: us the whole time, and we're proud of the job
Speaker 2: she's doing. Oh no, no, they're not Kamela. I'm sorry
Speaker 2: she talked about the he's talking about the King supers oppressors. Anyway, Tom,
Speaker 2: if I was voting, oh I watched this, I said
Speaker 2: this and Nanny watched my children wouldn't be Trump. But
Speaker 2: if I'm voting for the most powerful and for important position,
Speaker 2: clearly Trump is best. Democrats think and spew that minorities
Speaker 2: cannot survive without them. They panner to our differences. One
Speaker 2: other text says, do you think that's the case? And
Speaker 2: I know, okay, here's another one. I noticed that some
Speaker 2: of my friends noticed during the debate that Camela's facial
Speaker 2: expressions could have suggested she had an earpiece and was
Speaker 2: taking directions. Does anyone think that you know the technology
Speaker 2: is there? I mean, you could very very well have
Speaker 2: an in earpiece that no one could detect. Do you
Speaker 2: think that anybody would ever do that and cheat? And
Speaker 2: how would they know? I mean, I don't know, how
Speaker 2: would you know. Have you ever seen those little tiny
Speaker 2: things that go in the air the hearing aids, Well,
Speaker 2: they have bluetooth capability. Someone could talk to you all
Speaker 2: day long. I often wonder if people ever do that.
Speaker 13: I have only one statement about the debate last night.
Speaker 13: If I could ring in as we happen go ahead,
Speaker 13: it was a little bit.
Speaker 2: Too rehearsed from on whose side?
Speaker 13: On Kamala's side, she basically was very scripted, and it
Speaker 13: just I'm not saying I'm not giving any sort of
Speaker 13: nonsense into the Twitter universe that says maybe she had
Speaker 13: a bug in her ear. But she sounded very rehearsed,
Speaker 13: like every question was perfect. So I'm going to present
Speaker 13: a different opinion. She had the questions.
Speaker 2: Listen to this. No one picked up on this. No
Speaker 2: one picked up on it, including the astute Mark Major,
Speaker 2: Mark Major, Mark Major. And it told me the same
Speaker 2: thing that Kelly just alluded to, that she knew what
Speaker 2: was coming in. I'm going to tell you, why do
Speaker 2: you know what phrase or clause or do you know
Speaker 2: what I'm referring to? She said something to everyone. She
Speaker 2: said something in the very beginning of the debate. I
Speaker 2: swear to god, she gave it away that she had
Speaker 2: been briefed. Think about what I want to know of
Speaker 2: any of you, really, she said, In fact, I can't
Speaker 2: believe I haven't brought it up yet, and I can
Speaker 2: pull I can't pull the clip while I'm on the air,
Speaker 2: but I will tell you she said something in the
Speaker 2: very beginning. I don't know, like in the first minute
Speaker 2: or so, but it was in the beginning, And I
Speaker 2: thought to myself, what. I swear to you. When I
Speaker 2: heard it, I said, no one picked up on this.
Speaker 2: She was briefed. Do you know what I'm talking about?
Speaker 6: Mark?
Speaker 4: I don't know, but okay, Doc, did.
Speaker 2: You hear anything that made that would have made you
Speaker 2: think that YouTube morons? Did you hear anything?
Speaker 6: I did not watch the bake Tom? What Tom?
Speaker 12: She may have when she said brief she may have
Speaker 12: been talking about she was coached well before the debate
Speaker 12: was known.
Speaker 2: She didn't say that. Here's what she said. Here's what
Speaker 2: she said, Please try to find it. I wish I
Speaker 2: would have cut it out and and made a sound bite,
Speaker 2: and maybe we can do that, but but maybe somebody
Speaker 2: listening or on the YouTube can do that.
Speaker 4: Here here's what she said.
Speaker 2: She goes, you're gonna hear this, and okay, I'm paraphrasing,
Speaker 2: but I swear to god it was something like this.
Speaker 4: You're gonna hear a lot of things tonight.
Speaker 2: In fact, he's going to bring up immigration all night long,
Speaker 2: or something about open board or something. And that's not
Speaker 2: even part of our topic. Even though there or she said,
Speaker 2: even though there will be no questions about it, he'll
Speaker 2: bring it up anyway. I swear to you. She it
Speaker 2: was something like that about immigration. Please look at it.
Speaker 2: She said something about Trump is going to talk about
Speaker 2: immigration even though it's not part of something or even
Speaker 2: if he's not asked about it. Something that just made
Speaker 2: me think right away, what, how does she know what
Speaker 2: we will be talking about?
Speaker 4: She didn't say what. She didn't say, He's going.
Speaker 2: To bring it up no matter what you ask She
Speaker 2: says he's going to bring it up even though it's
Speaker 2: not part of tonight's discussion, something like that, something like that.
Speaker 2: Did anyone hear that? I did?
Speaker 6: And that's why I say.
Speaker 9: It.
Speaker 2: Did anyone hear that?
Speaker 5: I know what you're talking about now that you described it,
Speaker 5: but I kind of disagree with the context of it.
Speaker 2: Let's maybe I'm I really think though I heard that,
Speaker 2: like something about even though it's not going to be
Speaker 2: part of the questions or even if he's not asked
Speaker 2: about it or something.
Speaker 4: And that's what's really strange when she.
Speaker 2: Said that, and damn it during your break, I'm going
Speaker 2: to try to find it, because I swear to you
Speaker 2: that I think she had she has some kind of information.
Speaker 2: Do you think campaigns, well, we know Nixon had spies.
Speaker 2: Do you think campaigns have spies though, and I don't
Speaker 2: mean evil spies that break.
Speaker 4: Into hotels ABC.
Speaker 2: Man, do you really believe now again, I'm going to
Speaker 2: sound like nay people are going to say, oh, Tom,
Speaker 2: you're drinking a kool aid. I'm not saying I don't
Speaker 2: or I do. I'm asking do you truly believe that
Speaker 2: the media talks to these political that the Democratic Party
Speaker 2: and tries to strategize.
Speaker 13: You really still gave the CNN dist right Hillary Clinton
Speaker 13: head of time.
Speaker 2: Do you think there's any deep throating like that?
Speaker 4: Yes, of course. Do you think on the Republican sign?
Speaker 2: I think that is clear when they talk about have
Speaker 2: you ever heard them, even in the fact checking, when
Speaker 2: they found Biden saying something or Kamela is saying something,
Speaker 2: they never couch it like this. This is one thing
Speaker 2: I've heard all the time that listen to this. Trump
Speaker 2: intentionally repeated a lie. They never say that when Kamala says, well,
Speaker 2: they're going to adopt twenty twenty five, or they're going
Speaker 2: to do a national abortion band or something, or even
Speaker 2: when they're talking about the past. Okay, she keeps repeating
Speaker 2: the lie that when they took over it was the
Speaker 2: highest unemployment rate since the Great Depression. It wasn't fourteen
Speaker 2: percent unemployment during COVID. Then by the time Trump after COVID,
Speaker 2: before By took over, it was down to six percent.
Speaker 2: So he did a good job getting the country back
Speaker 2: and probably would have gone more. So they took it
Speaker 2: over at six percent. The country was recovering on its
Speaker 2: own after COVID. But she said point blank, they inherited
Speaker 2: the highest unemployment rate since the Great Depression. Now, and
Speaker 2: they've said that over and over, and they've been fact
Speaker 2: checked over and over. So why doesn't anyone say, like,
Speaker 2: I don't even want to mention his name. He makes
Speaker 2: me so sick. He's on Channel nine and I swear
Speaker 2: to God, the guy is just I don't know how
Speaker 2: he keeps this straight face.
Speaker 4: He should be running for office. But he said, he says.
Speaker 2: But when people say things like and I'm not saying
Speaker 2: you gotta love Trump or love Camela, but don't don't
Speaker 2: be so obvious even if you hate Trump, but to say,
Speaker 2: they never say Kamala Harris continually or intentionally repeated the
Speaker 2: lie about unemployment. Never, they never couch things in those
Speaker 2: derogatory terms. Ever, not anyone in the media when they
Speaker 2: talk about a Democrat, but always when they talk about Trump.
Speaker 2: But then Trump should lose the idea about the twenty
Speaker 2: twenty election too, as far as I had all these
Speaker 2: votes and then I didn't have them, and then I
Speaker 2: have the biggest crowds, it sounds like it sounds like
Speaker 2: Penis jokes. You know, disc jockeys talk about the guy
Speaker 2: is just obsessed with his You know this this bragging stuff.
Speaker 2: People hate it. I think people hate it. Anyway, I
Speaker 2: got to take a break. Three oh three, seven to
Speaker 2: one to three, talk problems, questions or complaints are issues?
Speaker 2: Now on credit, Yes, you should have multiple credit cards,
Speaker 2: you should rate, rotate usage, and you should keep total
Speaker 2: amount of credit under thirty percent.
Speaker 4: Now you're going to hear wonderful.
Speaker 2: People talk about good good people talk about like Ramsey
Speaker 2: talks about no credit. Ever, no credit, everything's cash. I
Speaker 2: don't believe that. I believe credit is a tool, just
Speaker 2: like painkillers can be a tool. I mean that doesn't
Speaker 2: mean you abuse them. And I think credit is a tool.
Speaker 2: And I think the notion that you can get through
Speaker 2: your entire life without it is not realistic. And if
Speaker 2: you learn to use credit as a tool and manipulate
Speaker 2: the use of credit. It can be a very valuable tool.
Speaker 2: And then there's also something called leverage, where you use
Speaker 2: credit to leverage your positions. I'm not talking to the
Speaker 2: stock market necessarily, that's dangerous, but I'm talking about when
Speaker 2: you buy things like a house, for God's sakes, or
Speaker 2: when you buy certain vehicles. Now, you can't over leverage
Speaker 2: end up upside down. But I'm talking about a certain
Speaker 2: amount of debt and credit can be used as tools.
Speaker 2: I'm Tom Martinez. We have more coming up. Go with
Speaker 2: a sure thing best roofer Excel Roofing dot com. You
Speaker 2: don't pay a cent until you're content. Time for an
Speaker 2: insurance check up free, no obligation comparison call Compass Insurance
Speaker 2: paying too much your coverage at dozens of insurance companies
Speaker 2: find out now three all three seven seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three all three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martino, your troubleshooter three all
Speaker 2: three seven one three Talk three all three seven one
Speaker 2: three eight two five five. Back to the phones here
Speaker 2: and UH phone calls are liked today, but I'm getting
Speaker 2: a lot of text for some reason. Somebody wanted to
Speaker 2: know on insurance, the non owner UH policy that Brian
Speaker 2: was talking about, what does it?
Speaker 4: What does it mean?
Speaker 2: If you drive cars that are at work or from
Speaker 2: other people, and you drive a lot of non owner cars,
Speaker 2: you can get a policy, but it will never listen
Speaker 2: to this. This is what's weird about it. You can
Speaker 2: get a policy so you'll get medpay. You can get
Speaker 2: a policy for liability. You can get a policy for
Speaker 2: a number of things, but it will never pay if
Speaker 2: you're driving a car that you own. It's exactly opposite
Speaker 2: of what you think, so it will never do that.
Speaker 4: You must have.
Speaker 2: Policies for your cars, if you get a policy for
Speaker 2: yourself non owner.
Speaker 4: I used to do that, and I remember now I
Speaker 4: looked it up when.
Speaker 2: I had cars through purifoic Chevrolet for years and years,
Speaker 2: when I had the advertising deal and I endorsed them.
Speaker 2: They had their own insurance, but they didn't necessarily cover
Speaker 2: the type of things that I needed because they were
Speaker 2: owned by the dealership. So what I had to do
Speaker 2: was get the right kind of insurance for me like
Speaker 2: medpay and stuff like that and excess liability or things
Speaker 2: like that. And that's what I did. So it does work,
Speaker 2: but only for cars you do not own. So that
Speaker 2: was a text on that one. And I have another
Speaker 2: text and this. I'm gonna let Mark talk about this
Speaker 2: because this is at my Google number seven four seven,
Speaker 2: and someone wants to know, truly because they heard me joking.
Speaker 2: I need to check on Taylor Swift and see what
Speaker 2: she thinks about this issue when it came to a
Speaker 2: consumer problem. Does do you believe and I'm serious now
Speaker 2: when I'm asking this, that her endorsement can make a difference.
Speaker 5: You mean for the election or for her ticket sales?
Speaker 5: What are you talking about? No, for the election, I
Speaker 5: doubt anybody is swayed by Swift. I doubt anybody gets
Speaker 5: swayed by kid Rock as well. So I'm not saying anybody.
Speaker 5: I guess there are people that might, but no, I'll
Speaker 5: bet you a thing.
Speaker 2: I'll bet you that kids from eighteen to twenty five
Speaker 2: will do what she says.
Speaker 4: I think.
Speaker 5: I think she'll see sales go down or demand. I mean,
Speaker 5: she sells out and probably will continue to sell out
Speaker 5: because Honestly, she's a great artist.
Speaker 4: I wish she didn't come out and do it.
Speaker 5: I'm really shocked, and people are going to go, well,
Speaker 5: she's thirty or whatever, but I'm really shocked her dad
Speaker 5: and manager.
Speaker 4: I bet they really didn't want.
Speaker 5: Her to do that because a lot of people that
Speaker 5: pay for the tickets for the kids to go to
Speaker 5: the show are conservatives and they might not want to
Speaker 5: spend that dough anymore. But I also think, you know what,
Speaker 5: everybody can have an opinion, so who gives a crap?
Speaker 2: So bottom line, you feel like, I don't think it'll
Speaker 2: move the election either way, Okay, I mean it's not
Speaker 2: going to be a big deal, is what you're saying.
Speaker 4: No, I don't think so.
Speaker 2: Man.
Speaker 5: There's very few people that have that kind of influence
Speaker 5: over most people. I mean, she probably is one that
Speaker 5: does have some influence, But those people are going to
Speaker 5: vote Biden already.
Speaker 4: I mean, I don't think that really matters.
Speaker 7: Hey, I think the ones that are gonna be swayed
Speaker 7: are the teeny boppers of fourteen fifteen, sixteen can vote?
Speaker 5: My god, what was that from nineteen fifty five? The
Speaker 5: teeny boppers or what do you call them, teenagers, millennials, millennials. Hey, Tom,
Speaker 5: I want to ask something though, Yeah, you ready for
Speaker 5: uh uh truth and honesty. Yeah, what's the biggest We're
Speaker 5: talking credit cards and people having too many and financial issues.
Speaker 5: What's the biggest financial mistake that you've made? Oh my god,
Speaker 5: I got to ask you, man, I mean, in your life,
Speaker 5: what is the biggest the biggest one?
Speaker 4: Seriously?
Speaker 2: Okay, it was both, Okay, part of it was a mistake,
Speaker 2: part of it was a wealth builder. And I'll tell
Speaker 2: you what it was. Real estate. But specifically, I don't
Speaker 2: know how to this is weird, but specifically the way
Speaker 2: I did.
Speaker 4: It, I don't know what you mean.
Speaker 2: Okay. I had real estate that on paper and everyone
Speaker 2: it wasn't like exaggerated either that I was into for
Speaker 2: thirty dollars a foot. Let's say commercial real estate that
Speaker 2: on a bad day, on a bad day, it was
Speaker 2: sixty dollars of foot on a bad day, and on
Speaker 2: at and most of the time it was selling for
Speaker 2: seventy five to eighty five dollars of foot.
Speaker 4: Okay, most of the time.
Speaker 2: Now, I mean it doesn't matter.
Speaker 4: This is many years ago.
Speaker 2: But then it went up right after the recession, it
Speaker 2: went up to uh one hundred and eighty dollars of foot.
Speaker 2: But what here, here's what I'm getting at, is when
Speaker 2: you have equity on paper like that. So I was
Speaker 2: into it for thirty dollars a foot and.
Speaker 4: What was it like? What is that equal? In total?
Speaker 5: It's the highest amount. Well, okay, what that means is
Speaker 5: one hundred million?
Speaker 2: Well no, no, no, okay, in aggregate, in total. Since
Speaker 2: we're all being honest and I want people to learn,
Speaker 2: I had about thirty million in loans and about sixty
Speaker 2: million in value.
Speaker 4: Okay, so I was deal. I was fifty.
Speaker 2: Percent, and then I had money and other things.
Speaker 4: But what happened was, and I've said.
Speaker 2: This before, in the economy, the FDIC doesn't have enough
Speaker 2: money to ensure everyone.
Speaker 4: Okay, they don't. And when people.
Speaker 2: Start getting nervous about the economy, they draw money out
Speaker 2: of their banks, or they they don't invest as much
Speaker 2: in banks. So now the FDIC has even less. So
Speaker 2: here's the point I'm making. The government made a terrible
Speaker 2: mistake by telling banks that they could know that they
Speaker 2: were afraid banks would fail, and told them that they
Speaker 2: needed to get out of real estate.
Speaker 4: And so banks were not renewing loans. And this is
Speaker 4: all what nine eight I mean.
Speaker 2: This is the banks were not renewing loans. So now
Speaker 2: if a bank doesn't renew a loan, the commercial operator.
Speaker 2: No one buys a twenty million dollar property with ten
Speaker 2: million dollars down thinking they have to come up with
Speaker 2: the other ten million. That's not just like when you
Speaker 2: buy your house, you put down payments. So when you're
Speaker 2: sitting on real estate with loans and then those loans
Speaker 2: are not renewed, it's not like a thirty you don't
Speaker 2: get thirty yr business loan. So loans have to be
Speaker 2: renewed and they can review them. There's a regulation z
Speaker 2: they can review them based on value. So when they
Speaker 2: were not renewing loans and you had downtown, I was
Speaker 2: one of the owners down there. When you have one
Speaker 2: hundred owners downtown or fifty owners that can't get loans renewed,
Speaker 2: what do they do with their property? They can't pay
Speaker 2: them off, they don't have the money, so they put
Speaker 2: them up for sale. So when you have fifty or
Speaker 2: one hundred properties going up for sale all at once,
Speaker 2: what happens to the values? Right? So the land that
Speaker 2: was astronomically valuable, was now being valued by the FDIC
Speaker 2: at twenty and thirty dollars a foot compared to seventy
Speaker 2: five and eighty. And it almost happened overnight, and the
Speaker 2: FDIC was thinking, we're helping banks by shedding real estate.
Speaker 4: What they did was created a frenzy.
Speaker 2: To sell crash prices, and then the loans were called
Speaker 2: because they were bad. They were no longer were not
Speaker 2: renewing it. Now those loans are bad. So you're faced
Speaker 2: as an investor, what do I do? I have to
Speaker 2: come up with millions to pay off the loan. No one,
Speaker 2: no one can do that. That's you don't buy stuff
Speaker 2: like that. So you have to either come up with
Speaker 2: millions to pay off those loans, or you have to
Speaker 2: find investors. And if you find investors, they say, well,
Speaker 2: the property's not worth what it used to do will
Speaker 2: help you. So you go to the bank and say,
Speaker 2: I'll tell you what we'll settle for eighty or ninety
Speaker 2: cents on the dollar because that's where my investors will
Speaker 2: help me.
Speaker 4: And the bank said no.
Speaker 2: And I said, to the banks, just like every other owner,
Speaker 2: but what's going to happen if you don't settle with me.
Speaker 2: And they said, we're going to sell it on the
Speaker 2: open market, and I said, what would happen? Then I
Speaker 2: talked to the FDIC and they told me we'll probably
Speaker 2: get twenty cents on the dollar. So what they were
Speaker 2: willing to do is to put it up for auction
Speaker 2: and have it sold at twenty to thirty cents, rather
Speaker 2: than taking eighty or ninety percent from the lenders from
Speaker 2: the borrowers.
Speaker 4: And I said, why would you do that.
Speaker 2: Here's what they said, because if we make a deal
Speaker 2: with borrowers, we are forgiving debt and we look bad.
Speaker 2: But if we put it on the open market and
Speaker 2: investors buy it for twenty or thirty cents, people will
Speaker 2: just conclude that's what it was worth. But I said,
Speaker 2: you're literally losing money on purpose and creating even more crisis.
Speaker 2: And they said, that's the way the system works. But
Speaker 2: no one knows that, No one understands that. They all
Speaker 2: think like they all think like, well, if you take
Speaker 2: out a loan, you should be able to pay it off,
Speaker 2: and virtually no one in business, so it's being called
Speaker 2: over leveraged. That's the mistake, the biggest mistake in the
Speaker 2: world being over leveraged. I'm Tom Martine. We have more
Speaker 2: coming right up. Go with a sure thing Denver's Best
Speaker 2: roof Excel Roofing dot com. You don't pay a cent
Speaker 2: until you're content. Time for an insurance check up free,
Speaker 2: no obligation. In comparison, call Compass Insurance. Paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three oh three seven seven to one help. You'll think
Speaker 2: you're his only customer when you choose Frank durand the
Speaker 2: real estate Man dot com to list your home with
Speaker 2: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 2: Hi Tom Artine, your troubleshooter. Three oh three seven one
Speaker 2: three talk seven one three eight two five five Welcome
Speaker 2: to the show. Three oh three seven one three talk.
Speaker 2: We are here to help you solve your problems, answer questions,
Speaker 2: take complaints, and make your life a little easier. Now
Speaker 2: I'm going back to Uh, I'm trying to find my
Speaker 2: my tech. Oh there it is in my text. Okay.
Speaker 2: So Taylor Swift is thirty four years old, and when
Speaker 2: she send Hound her endorsement, thirty five thousand more people
Speaker 2: registered to vote immediately. Then someone else said she's going
Speaker 2: to have a tremendous effect on people voting. Younger people,
Speaker 2: and you can almost bet younger people, whether she endorsed
Speaker 2: or not, would go for Kamala. I just think it's
Speaker 2: a fact of life that we're going to have her
Speaker 2: as president. And I just don't think there's anything you
Speaker 2: can do about it. It's just not gonna it's it's
Speaker 2: there's nothing you can do about it. And all the
Speaker 2: coaching in the world won't help Trump because he just
Speaker 2: thinks he knows and he has a great base. I'm
Speaker 2: not saying he doesn't, but God Almighty, I think the
Speaker 2: guy could convert a lot of the keep his base.
Speaker 2: He could keep him Mark wouldn't abandon him if all
Speaker 2: of a sudden he had a little more decorum and
Speaker 2: didn't brag about his crowd size all the time, and
Speaker 2: and and yet not only would he keep his p one,
Speaker 2: his primary one, his primaries, he would go and get
Speaker 2: new people there. People that just I swear to God,
Speaker 2: I have never seen more hate in my life for
Speaker 2: any one candidate. When people hate him, you either like
Speaker 2: him or you absolutely there's no balance. You hate hate,
Speaker 2: hey hey hey hey, hey, heye it's it's incredible to
Speaker 2: me anyway. Three oh three seven one three talk seven
Speaker 2: one three eight two five five. Really, can you honestly say, Mark,
Speaker 2: can you say you've ever ever seen such hatred for
Speaker 2: a candidate?
Speaker 9: Ever?
Speaker 4: And I ask why why Mark is not here right now?
Speaker 6: Tom?
Speaker 2: Okay, why why do you think we have such hatred?
Speaker 2: I'm really serious? Why why?
Speaker 7: Because of who he is is, his personality and also
Speaker 7: his his policies are so contradict contradictory to the woke
Speaker 7: generation that the combination of those two fat does make
Speaker 7: him so hated.
Speaker 4: Now here's the deal. It's just the way.
Speaker 2: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free, no obligation in
Speaker 2: comparison call Compass Insurance paying too much your coverage at
Speaker 2: dozens of insurance companies find out now three O three
Speaker 2: seven to seven to one help. You'll think you're his
Speaker 2: only customer when you choose Frank durand the real estate
Speaker 2: Man dot com to list your home with Remax Alliance
Speaker 2: three oh three nine two zero sixteen twenty two. Hi, Tom, Martino,
Speaker 2: you're a troubleshooter three O three seven one three talk
Speaker 2: seven one three eight two five five.
Speaker 4: Welcome to the show.
Speaker 2: We're here to solve your problems, answer your questions, take complaints.
Speaker 2: And we only have a few minutes left in this hour.
Speaker 2: We'll come back with a lot more. And it's really
Speaker 2: important though that people know about the wise use of credit.
Speaker 2: I mentioned that, and I do have some other tips
Speaker 2: on that and what people are doing. But even if
Speaker 2: you have multiple cards, remember this, you have to rotate them.
Speaker 2: It's really literally a management of credit, not just having
Speaker 2: the credit. By the way, somebody just texted me again,
Speaker 2: I'm getting these texts. I'm not making them up. Trump
Speaker 2: is very polarizing, much like Hillary Clinton was. There's really
Speaker 2: not a whole lot of lukewarm feelings toward him. There
Speaker 2: passionately love him or passionately hate him. Well, we have
Speaker 2: more coming up on the Treiber Shooter Show. Get your
Speaker 2: calls in or text. You can text me at five
Speaker 2: seven seven nine or my Google number as well, which
Speaker 2: is seven four seven nine nine nine fifty two point eighty.
Speaker 2: Go with a sure thing. Denver's Best roofer excel roofing
Speaker 2: dot com you don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free, no obligation comparison
Speaker 2: call Compass Insurance paying too much your coverage at dozens
Speaker 2: of insurance companies find out now three oh three seven
Speaker 2: seven to one help. You'll think you're his only customer
Speaker 2: when you choose Frank durand the real estate Man dot
Speaker 2: com to list your home with Remax Alliance three oh
Speaker 2: three nine two zero sixteen twenty two ripped up.
Speaker 7: News.
Speaker 4: So you don't have.
Speaker 1: Come run anxious as fast as we can. Shooter's gonna help.
Speaker 4: Come Dix is the Troubleshooter show.
Speaker 2: No Tom Martino, Hi Tom Martino, your Troubleshooter three oh
Speaker 2: three seven one three talk is our number seven one
Speaker 2: three eight two five five. It's also important that you
Speaker 2: know you can. You can call three oh three Martino
Speaker 2: three oh three six two seven eight four six six
Speaker 2: and then do your thing. Give us a call or
Speaker 2: tell us what the problem is. If we're there, we answer.
Speaker 2: If not, you leave a message and we will get
Speaker 2: back to you and we will talk to you about it.
Speaker 2: So you don't have to wait or anything. So you
Speaker 2: can also text us at five seven seven three nine.
Speaker 2: You can also go to nextdoor or Instagram or TikTok
Speaker 2: or anything and any social media where that I'm also
Speaker 2: whatever in Instagram, LinkedIn, and you can leave messages for
Speaker 2: me and we'll be happy to talk to you. I
Speaker 2: get a lot of inquiries that way. The problem is
Speaker 2: some of the inqurease are so freaking weird. I'm going
Speaker 2: to give you an example. I mean, I'm serious, I
Speaker 2: got a lot. Okay, Okay, this one's pretty normal. Is
Speaker 2: there a way to avoid paying for scratches or dense
Speaker 2: when returning your leased car?
Speaker 4: Well, the answer is no, not if you're the one.
Speaker 2: That did them. So it's important to do a video
Speaker 2: walk around of your car. Even if they do one,
Speaker 2: do it yourself so you can't be charged twice. Here's
Speaker 2: another one. Is it possible? And the reason I said
Speaker 2: it's weird, they're all car questions for some reason, some
Speaker 2: of these texting, some of these social media platforms. Just
Speaker 2: ask me. Okay, this one. Is it possible to terminate
Speaker 2: a lease early if the value of the car has
Speaker 2: significantly decreased, Well, that would be terrible, and it's not
Speaker 2: even or beyond normal preciation. It doesn't matter if the
Speaker 2: car increased or decreased. Terminating early is never a good idea, ever, ever, ever, ever, ever, ever.
Speaker 2: There is one exception. Okay, I shouldn't say this. You're
Speaker 2: not really terminating the lease. You're paying it off. And
Speaker 2: here's how you do it. Not in the case where
Speaker 2: the car went down in value, but where the car
Speaker 2: has gone up in value. You can find someone who
Speaker 2: wants to buy that car. Then you can buy that
Speaker 2: car out early and then resell it to that person.
Speaker 2: So there is kind of a way to get out
Speaker 2: of it, but it's not necessarily getting You know, you're
Speaker 2: not undoing the lease, you're kind of paying it off.
Speaker 2: And that's the thing about a lease. I've said it before.
Speaker 2: If you're not going to live by the terms of
Speaker 2: the leaf, if you're not going to truly be there
Speaker 2: for the whole time and drive it accordingly, if you're
Speaker 2: not going to live up to the terms, you have
Speaker 2: really screwed yourself. Now, can anyone help me? Listen to
Speaker 2: this one? Get rid of Bluetooth speaker? Can any help
Speaker 2: me get rid of Bluetooth speaker on bus or non
Speaker 2: Bluetooth ones? I want to connect to it. Hold on,
Speaker 2: turn off, I'm going to read it exactly here. Let
Speaker 2: me just read it. Can anyone help me to get
Speaker 2: rid of bluetooth speaker on bus or non Bluetooth ones?
Speaker 2: I want to connect to it and turn off or freeze.
Speaker 2: Help me with hacking tool or codes. I am irritated
Speaker 2: by music they play while traveling.
Speaker 4: So he's a nut. What the hell do I don't
Speaker 4: even know what this means?
Speaker 14: You to turn off somebody else's Bluetooth speaker. They must
Speaker 14: be playing it somewhere.
Speaker 4: Oh, a hack or something.
Speaker 2: Okay, you know it takes a nut to know a nut.
Speaker 4: Okay, I'm still trying to reboot. I still hold on dragon.
Speaker 4: Explain that to me again.
Speaker 14: So he's sitting on a bus and say somebody another
Speaker 14: passenger has a Bluetooth speaker playing music that he does
Speaker 14: not like. Oh, he wants to turn off that bluetooth speaker.
Speaker 5: I mean that's eating Walk over there and turn it off.
Speaker 5: I don't know how else he would do that. What
Speaker 5: else would do.
Speaker 2: Is Chopper is chop? Chopper's not there is he He's
Speaker 2: just online? Chopper. Listen to this question. I got what's
Speaker 2: the difference between a Huey helicopter pilot and a regular
Speaker 2: helicopter pilot. I thought it was like a joke and
Speaker 2: I was going to have a punchline. But it's not.
Speaker 4: There is no difference.
Speaker 2: I mean pilots, helicopter pods or helicopter pods. You can
Speaker 2: almost fly anyone you put you sit in.
Speaker 4: Except for one, I would, except for one.
Speaker 2: What what? What? What were you going to say, Mark?
Speaker 4: I was going to say the and they fly around
Speaker 4: the president.
Speaker 2: And that one with the two Oh my god, isn't
Speaker 2: there two pilots? Here's like one you know, I don't
Speaker 2: actually know Chopper. It was he in the military. I
Speaker 2: don't know those things. They're like two separate helicopters, the
Speaker 2: front and the back. I can't even imagine one pilot
Speaker 2: flying that Obama.
Speaker 4: Well, it's.
Speaker 6: It's called a k it's a dual rotor blader.
Speaker 2: Yeah, but but no, it's more than dual rotor.
Speaker 6: Bro A rotor blade is a blade in front in
Speaker 6: the back.
Speaker 15: Yeah.
Speaker 2: But there's there's two complete motors engines or maybe four,
Speaker 2: two in each. No, seriously, it's like crazy. I want
Speaker 2: to know. Okay, I'll just.
Speaker 5: Ask my Actually, Marine one, hold on, Marine one is
Speaker 5: not a chinook. It's a Squadron one h m X
Speaker 5: one Nighthawk.
Speaker 2: I'm just asking, does it take two pilots to fly
Speaker 2: a Chinook helicopter? I should know that he.
Speaker 4: Looks like old school compared to this.
Speaker 2: No, I'm not talking about I'm not talking about copilot,
Speaker 2: you know, for safety. I'm talking It says it requires
Speaker 2: two pilots. The crew for a chinook generally consists of
Speaker 2: two pilots and two crew members the effective management of
Speaker 2: these complex systems. The tandem rotor is a separate Gosh, oh, Mike,
Speaker 2: you're flying to.
Speaker 4: Hell that Marine one is not a chinook or not
Speaker 4: a dual.
Speaker 6: Uh oh, it looks like a ball.
Speaker 5: You know what.
Speaker 4: Here's what's weird.
Speaker 5: I'm totally screwing this up because Marine one is whatever
Speaker 5: they hell the President said, it doesn't matter what kind
Speaker 5: of helicopter it is. So Actually, they do have some
Speaker 5: Marine ones that are dual that are chinooks.
Speaker 2: Yeah.
Speaker 5: If he's in a chinook, the president, if Biden is
Speaker 5: that's Marine one.
Speaker 2: Yeah, they call it that when he gets in it
Speaker 2: on his normal motor transportation.
Speaker 4: It is from the White House to the airport.
Speaker 7: What.
Speaker 6: No, I've never seen the president walk out of a Chanook.
Speaker 5: I saw him fly over Obama, going from somewhere around
Speaker 5: DA or whatever the Air Force base is over to
Speaker 5: Boulder years ago.
Speaker 4: And it was the most awesome thing I've seen. Man, Okay, they.
Speaker 7: Hold like eighty passes choo looks like it has Pirrone's disease.
Speaker 2: Man. There, it's so I'm asking how like like I
Speaker 2: wish i'd taught. I'm sure people listening the Chinook used
Speaker 2: this complex mechanical mixing units, so one could theoretically Jesus,
Speaker 2: I mean it coordinates front and back and one could
Speaker 2: theoretically do it.
Speaker 4: I couldn't even imagine.
Speaker 2: I can't even imagine the complexity of that one thing. Obviously,
Speaker 2: Well I don't know. I shouldn't say obviously. Anyway, Tim,
Speaker 2: what is your question on car insurance? Go ahead, sir Tim?
Speaker 4: Oh?
Speaker 11: Yes, hey Tim. And the reason I'm calling we got
Speaker 11: some insurance coverage costs for automotive residential and we waited
Speaker 11: for a little bit before we decided to go ahead
Speaker 11: and have them do the coverage.
Speaker 2: Now, this was a combined policy, right, and not a
Speaker 2: not one policy, but I mean a group policy, right,
Speaker 2: with everything on with one company.
Speaker 11: Yes, it was all the same but they are all
Speaker 11: separate policies.
Speaker 2: Right, they're separate policies but the same underwriter. Yes, and
Speaker 2: it's home. And how many cars?
Speaker 11: There were four automobiles, one resident and one rental.
Speaker 2: Oh okay, so tell what about it?
Speaker 11: Well, they decided they wouldn't give us the coverage and
Speaker 11: it wasn't from anything that on any record.
Speaker 2: Wait a minute, they they they said, we changed our mind.
Speaker 2: Did they ever bind you, did they send you anything
Speaker 2: or did you just talk to them about it? No?
Speaker 11: We talked to them and then we got the gout
Speaker 11: in writing the costs and the coverages and all.
Speaker 4: How much is the cost?
Speaker 11: Well, the one for the uh for the residential?
Speaker 4: No, I mean, ohkay?
Speaker 2: Did you did you get one cost or did you
Speaker 2: get four three different costs? Oh?
Speaker 11: I got some some other covers.
Speaker 2: No? No, what I mean is this? You got home, auto,
Speaker 2: and rental. Did they break it down as three estimates
Speaker 2: or did they break it down or did they just
Speaker 2: give you one estimate? Or did you get one for
Speaker 2: each car, one for the home and one for the rental.
Speaker 11: We got one for each car, one one each for
Speaker 11: each word, So.
Speaker 2: You in essence have six estimates. Yes, okay, okay, So
Speaker 2: tell me what did they add up to.
Speaker 11: Cost wise?
Speaker 2: Yeah, I'm just curious what they all added up to.
Speaker 11: For each for each one, okay, well we had two
Speaker 11: thirty four dollars on Well, I'm not.
Speaker 2: Going to add him up on the air if you
Speaker 2: haven't added him up, that's okay. I don't want to
Speaker 2: go through each one right now. So, uh, the reason
Speaker 2: there's a reason I'm asking, by the way, and I
Speaker 2: also want to know who's the carriers.
Speaker 11: The foremost insurance group, And.
Speaker 2: That's okay, foremost is the is the broker?
Speaker 11: No that the broker would No, that's not the broker.
Speaker 2: That is your carrier.
Speaker 11: That would be the carrier.
Speaker 2: Yeah, and okay, and then they said we changed our mind.
Speaker 11: Right, they've told the broker that the cost of insurance
Speaker 11: is going up so high. Right, there's coverage that the
Speaker 11: coverage on the on the house was seven hundred thousand,
Speaker 11: and and they said that they're not going to do
Speaker 11: anything more than five hundred thousand.
Speaker 2: Well you could never do that, of course, of course not.
Speaker 11: Yeah that's what I thought too.
Speaker 4: So what are you did you have?
Speaker 2: You heard us talk about compass insurance and the insurance
Speaker 2: check up no, I have no Let me explain it
Speaker 2: to you because I want to get him on and
Speaker 2: I want to do a live example. No obligation to you,
Speaker 2: no cost to you whatsoever. I want them to run
Speaker 2: numbers during the show. And actually, Tim.
Speaker 4: I do have a question though, So.
Speaker 5: They they they binded you, and then they came back
Speaker 5: and said, what no homeowners right, or they wouldn't cover.
Speaker 2: It up to the seven hundred. I don't think he
Speaker 2: ever had a binder. I think he had an estimate.
Speaker 2: But go ahead, and well.
Speaker 4: That's what I'm asking. Did they bind you?
Speaker 11: They they'll know.
Speaker 4: So what is your What was your main question?
Speaker 9: Though?
Speaker 4: Are they allowed to do that?
Speaker 11: I don't know? That's why?
Speaker 2: No, No, that are you asking? Why did you call us?
Speaker 2: Is what Mark's asking? Are you calling because you think
Speaker 2: they did you wrong by canceling?
Speaker 11: Well, I expected to be able to purchase the insurance
Speaker 11: company for the amount that was on the policy, but.
Speaker 2: You did, but you don't have It depends you didn't.
Speaker 2: I don't think you had a contract. But even with
Speaker 2: a contract, insurance is still cancelable by the company. With us,
Speaker 2: they'd have to bind you for at least I think
Speaker 2: thirty days or something.
Speaker 5: It's say thirty or sixty. That's what I was going
Speaker 5: to say. So the bottom line is, I don't care
Speaker 5: if it's State Farmer. The people at Compass. What happens
Speaker 5: is they go ahead, they get the you know, the
Speaker 5: original okay from the insurance company. Even if it is
Speaker 5: the insurance company like State Farm, and they bind you immediately.
Speaker 5: You should never cancel your coverage with the other company
Speaker 5: at that point because what can happen is they can
Speaker 5: come back and do exactly what they did to you, Tim,
Speaker 5: and there's nothing illegal.
Speaker 4: I don't even know if there's anything wrong. Let's find out.
Speaker 4: Let's call.
Speaker 2: Let's get Compass on the line. And Paula has an
Speaker 2: insurance question too, so hang on, both of you. Let's
Speaker 2: get Compass Insurance on three oh three seven one three
Speaker 2: talks seven one three eight two five five. We may
Speaker 2: also want to get Joe Kanna on for the life
Speaker 2: insurance question, because he does know a lot about life insurance.
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Speaker 2: You don't pay a cent until you're content. Time for
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Speaker 2: to list your home with Remax Alliance three all three
Speaker 2: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 2: troubleshooter three O three seven one three talk seven one
Speaker 2: three eight two five.
Speaker 4: So I want to talk to uh.
Speaker 2: We want to get what wants to who is this
Speaker 2: po oh, Jeremy, I didn't know what. But so Paul
Speaker 2: wants to talk about spark smart bunny. I've heard those commercials, Jeremy. First, Jeremy,
Speaker 2: Compass Insurance Group. Listen to this one. Okay, So Tim
Speaker 2: was going out looking for insurance. He's now, Tim, was
Speaker 2: this your regular carrier or was it a new company
Speaker 2: that was giving you a quote?
Speaker 11: That was a new carrier?
Speaker 6: All right?
Speaker 2: He went to a new carrier called Foremost Insurance Group
Speaker 2: and they gave him an estimate for his home, four
Speaker 2: cars and a rental. Okay, he liked it, so he said,
Speaker 2: let's do it. Then he heard from them and they said, no,
Speaker 2: we're not going to do it. That was after he
Speaker 2: had gotten prices. Had you paid anything? Tim, Tim?
Speaker 11: No, I had not paid anything at all?
Speaker 2: All right?
Speaker 4: So what I imagine they're allowed to do that?
Speaker 9: Right?
Speaker 2: Change their mind, Jeremy, What do you think?
Speaker 9: I think what probably happened was whoever gave him the
Speaker 9: quote didn't complete the quote, and when he said I
Speaker 9: want to go with it, they completed it, ran all
Speaker 9: the reports, it became ineligible for one reason or another,
Speaker 9: and they're just not explaining what happened, because that can happen.
Speaker 9: I don't think it would.
Speaker 2: I mean, when you quote something, you can change your
Speaker 2: mind if you didn't give them a policy yet, right.
Speaker 9: Yeah, I mean an insurance company at any point if
Speaker 9: the policies not bound, can change their underwriting guidelines and
Speaker 9: it might not be eligible anymore. That can happen. But
Speaker 9: it's much more likely the quote.
Speaker 11: He received just wasn't a.
Speaker 9: Completed quote and it turned out he was ineligible for
Speaker 9: whatever reason.
Speaker 2: That. Yeah, the agent. The agent was trying to make
Speaker 2: a deal and when it went to the higher ups,
Speaker 2: they said, we can't do it.
Speaker 5: Hey, how long do you have to bind somebody in
Speaker 5: Colorado for like all the carriers you guys deal with
Speaker 5: in case in case the carrier rejects it after a while.
Speaker 9: If it's bound, there's a thirty day underwriting period. Okay,
Speaker 9: So the underwriter can they can send out an inspector
Speaker 9: and they could say, hey, no, this roof is falling off. Yep,
Speaker 9: we need to have it replaced.
Speaker 2: They got it, okay, But but.
Speaker 5: If you canceled your other insurance, I thought they had
Speaker 5: to give you a certain amount of time to find
Speaker 5: a new one.
Speaker 9: Do Yeah, so they have to give you they have
Speaker 9: to do that inspection within thirty days. Then from whatever
Speaker 9: date they give you notice, they have to give you
Speaker 9: another thirty days to find new insurance.
Speaker 2: Okay, here's what I want to know. Then, I mean,
Speaker 2: that all makes sense to me. So it's it's a
Speaker 2: binding process. But he didn't even get bound. I don't
Speaker 2: think he got bound. I think they just quoted him.
Speaker 2: So what I want to know, though, I want to
Speaker 2: do a live comparison right now, and I want him
Speaker 2: to talk to you off the air and before the
Speaker 2: end of the show. I would like to know what
Speaker 2: you guys, the best thing you guys can find since
Speaker 2: insurance a compass insurance does these checkups, they tell you
Speaker 2: if they can do a job or not. They just
Speaker 2: tell you straight up, we can beat what you have
Speaker 2: or we can And he has nothing right now. But
Speaker 2: I just want to know for the hell of it.
Speaker 2: This sounds like he can probably give you enough information
Speaker 2: that you can give him an estimate.
Speaker 11: Right sure, yeah, absolutely, yeah.
Speaker 2: We're talking about a home, four cars, and a rental.
Speaker 2: And by the way, he said his house was valued
Speaker 2: at about seven hundred and foremost will only go to
Speaker 2: five hundred. Now, did they say they would only go
Speaker 2: to five hundred because of your home, tim or be
Speaker 2: because that's their limit.
Speaker 11: Because that was their limits. But there's some said that
Speaker 11: in Colorado they're not going to ensure anything more than
Speaker 11: five hundred thousand.
Speaker 5: Yeah, State Farm in some areas will only do a million.
Speaker 2: Okay, So Tim, hang on, Kachina. I want you to
Speaker 2: get Tim's number for Jeremy, but I want him to
Speaker 2: stay on right now because we have a question from
Speaker 2: PAULA about life insurance. And maybe you don't oh wait, wait,
Speaker 2: this is about a death certificate. But let's go to
Speaker 2: Paul with a you want to talk Paul about smart
Speaker 2: Bunny real quick, go ahead, and then I'll go to Paul.
Speaker 2: So Paul, right now, go ahead, Paul, Paul.
Speaker 16: I've heard of these commercials recently, quite a few on
Speaker 16: radio about smart Bunny insurance. I asked Jeremy, what is
Speaker 16: this a full service company or is it just for
Speaker 16: supplemental insurance, travel insurance or disaster.
Speaker 6: And supplemental and that kind of thing.
Speaker 16: That's a quick answer.
Speaker 11: Supplemental.
Speaker 5: Well, it's life insurance, phone insurance, final expenses for death,
Speaker 5: renters insurance, travel insurance is that what it is?
Speaker 2: Mark, Yeah, so it's not regular insurance.
Speaker 9: No, okay, okay, yeah, I got you.
Speaker 2: Yeah, Jeremy, have you heard of smart Bunny?
Speaker 9: I haven't, to be honest with you, we don't do
Speaker 9: anything with supplement policies and be something we would have,
Speaker 9: but just personally, I have not actually heard about.
Speaker 2: It's it started out with phone insurance, by the way,
Speaker 2: phone insurance, yeah.
Speaker 4: All State does one.
Speaker 5: I forget what they call it, but all State has
Speaker 5: something very similar.
Speaker 9: Yeah.
Speaker 2: Well that's how they started, you know, to use it
Speaker 2: to you know, say that again.
Speaker 9: Called covers it too. The visa card.
Speaker 4: Oh cool, wait your phone?
Speaker 16: Yeah, I mean not for losing it, but for damage
Speaker 16: to the phone. If I pay with my Wells Fargo card. Yeah,
Speaker 16: every month, it covers uh, the replacement of the repair.
Speaker 9: Of the phone if it is damaged.
Speaker 5: And my venture X does the same thing town, but
Speaker 5: I think mine includes theft too.
Speaker 2: You know, phone insurance is not a bad idea, and
Speaker 2: I came to that. I came to that conclusion with
Speaker 2: my two kids. I mean, oh my god, no.
Speaker 4: Really, it's not a bad idea.
Speaker 2: Now we have a deductible though, I mean I had
Speaker 2: to pay for his phone. But it's it was ony
Speaker 2: twelve dollars phone for the Promax and all that. And listen,
Speaker 2: I only, I say only I paid two thirty to
Speaker 2: get it replaced. I don't know, but because he left
Speaker 2: it on his car hood and took off. So anyway,
Speaker 2: that is that is that is what that is, smart bunny.
Speaker 2: They started with phones and they moved into other auxiliary places.
Speaker 4: Okay, so thank you Jeremy.
Speaker 2: By the way, Compass Insurance Group, the Insurance Health Center
Speaker 2: dot com three h three nine ninety six nine thousand,
Speaker 2: let's have you back, try to be before the end
Speaker 2: of the show to give us an idea of what
Speaker 2: that would cost. And Tim, I'd like to get your
Speaker 2: impression on the process of doing that because we always
Speaker 2: talk about the insurance help Center and the free insurance checkup. Paula,
Speaker 2: I'm going to come right back to you. Promise you
Speaker 2: right after this go with a sure thing Denver's Best
Speaker 2: roofer Excel Roofing dot com. You don't pay a cent
Speaker 2: until you're content time for an insurance check up free,
Speaker 2: no obligation. In comparison, call Compass Insurance paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three all three seven seven to one. Help. You'll think
Speaker 2: you're his only customer when you choose Frank durand the
Speaker 2: real estate man dot Com to list your home with
Speaker 2: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 2: Hi Tom Martino, you're a troubleshooter three oh three seven
Speaker 2: one three talk three oh three seven one three eight
Speaker 2: two five five Paula, Hi, Paula, what's going on with you? Hello?
Speaker 17: Paula, ye, are can you hear me out on me?
Speaker 2: I can hear you? Just find what's going on on?
Speaker 17: Okay? So, my brother in law just passed away through
Speaker 17: about three weeks ago, and my sister's trying to see
Speaker 17: if her insurance will pay for the life insurance policy
Speaker 17: that she thought she had. They're saying it was just
Speaker 17: covering accidental death.
Speaker 2: It was life insurance only for accidental death. Is that
Speaker 2: what they told you?
Speaker 17: Yes? Hmm, okay, So unless the coroner rules that it
Speaker 17: was an accident, they will not pay it. So we're
Speaker 17: trying to figure out what we need to do because well, hold.
Speaker 2: On, how exactly did it happen?
Speaker 18: By the way, he.
Speaker 17: Was eating a hamburger and she choked.
Speaker 2: And did they say what did they say it was? Well,
Speaker 2: what are they claiming it's anything? Or are they just
Speaker 2: asking you?
Speaker 17: No, they're claiming the coroner said that he doesn't believe
Speaker 17: it was an accident because he had difficulties swallowing.
Speaker 2: But wouldn't that be an accident? Or are they saying
Speaker 2: it's a health issue.
Speaker 17: They just said that they consider that natural causes.
Speaker 4: Natural causes?
Speaker 2: Okay?
Speaker 19: Why?
Speaker 9: Yeah?
Speaker 17: And I looked on the CDC Corners Handbook thing and
Speaker 17: it says natural is due solely, ordinarily totally to disease
Speaker 17: and or aging process accident. It says there's little or
Speaker 17: no evidence that the injury or processing or poisoning occurred
Speaker 17: with intent to harm or cause death.
Speaker 2: Yeah, what do you think, guys?
Speaker 4: Doc? Deputy doc, he's coming, he's coming. What was the question, Tom?
Speaker 2: Well, he choked and she has accidental death insurance? Is
Speaker 2: that accidental death? They're saying it could be a health issue?
Speaker 2: Because what are they saying like he had a problem?
Speaker 2: Get me, I don't understand why there's go ahead.
Speaker 17: Yeah, my sister tasted me this morning and she said
Speaker 17: that the coroner does not believe it was an accident
Speaker 17: because he had difficulties swallowing.
Speaker 5: You know who would know about this because I buy
Speaker 5: a policy through him, Tom is John Joneses.
Speaker 4: Okay, let's talk to you, Kelly. Let's get in Tagron.
Speaker 2: That's a good one. That's a good one.
Speaker 5: Because it's coming down to what the coroner says. I mean,
Speaker 5: it is curious if you had don't some people, as
Speaker 5: they get older, maybe dementia, stuff like that, literally swallow
Speaker 5: their tongues and die. Well, no, you can't swallow your
Speaker 5: tongue really, now, Okay, I always thought that I really did.
Speaker 2: Yeah, yeah, I used to hear that too. That's a myth.
Speaker 6: R Smith, try it. You can't.
Speaker 7: There's no way to get your tongue well all the
Speaker 7: way back.
Speaker 17: It would work.
Speaker 4: No, in my luck, it would work.
Speaker 7: But if she had it, if she did have a
Speaker 7: pre existing disease, like some sort of esophageal or swallowing issue,
Speaker 7: it would That's the only way they could not call
Speaker 7: it accidental.
Speaker 6: But those those diseases are very.
Speaker 4: Rare, I wonder.
Speaker 2: And then here's the other question, Tom, So it's most
Speaker 2: likely accidental as well, I think so.
Speaker 5: Yeah, But does it come down does it purely come
Speaker 5: down when it comes to cause of death and the
Speaker 5: insurance company and payouts. Is it purely whatever the morgue
Speaker 5: says or not the morgue what's yeah the coroner puts
Speaker 5: down on the desert.
Speaker 7: Yeah, because you know, you can always get a separate
Speaker 7: you can always have another autopsy done by an outside agent.
Speaker 5: I would think the big ones are like when they
Speaker 5: have a suicide clause and they're saying, no, it wasn't suicide.
Speaker 4: Someone murdered him. So it really does come down to
Speaker 4: whatever they say though.
Speaker 7: But you know, there are one two guys that are
Speaker 7: always on television that were corners in New York or California,
Speaker 7: and you can high you.
Speaker 4: Can always get I know one of them you're talking about.
Speaker 2: You.
Speaker 7: You can always get a second opinion on the cause
Speaker 7: of death.
Speaker 5: Well, let's let's take a break on time tom and
Speaker 5: then we'll come back and talk to the people.
Speaker 4: All right, thanks, we got more, I got something or other.
Speaker 2: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up, free no obligation comparison
Speaker 2: call Compass insurance paying too much your coverage at dozens
Speaker 2: of insurance companies.
Speaker 4: Find out now three O three seven to seven to
Speaker 4: one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate man dot com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martino, your troubleshooter three O
Speaker 2: three seven to one to three talk seven one three
Speaker 2: eight two five five. We're trying to get Integra on Paula.
Speaker 2: But this is you know, according to Deputy Doc, most
Speaker 2: choking deaths are accidental and there's very few and rare
Speaker 2: conditions where it would cause your husband or no, wait
Speaker 2: was this your husband? No, your brother in law to choke? Now?
Speaker 2: How much is the insurance policy?
Speaker 17: By the way, two hundred fifty thousand.
Speaker 2: That's a major deal. Did they show medical What did
Speaker 2: the coroner say? From all?
Speaker 17: From what I understood is that he just said it
Speaker 17: was natural causes because he had difficulties following.
Speaker 2: Well, what does that mean? Natural causes for difficulty? I mean, well, okay,
Speaker 2: all choking, I mean, couldn't all choking be that? What
Speaker 2: would be an accidental choking? Then see that's a I
Speaker 2: don't know what what does it mean? Difficulty? And it
Speaker 2: was natural. But but if I'm eating chicken or you know,
Speaker 2: like when somebody's at the restaurant, there's no one around
Speaker 2: to do the heimlech.
Speaker 4: They die.
Speaker 2: Yeah, that's accidental, right, Doc?
Speaker 7: Yeah, absolutely so unless he had if he was uh
Speaker 7: incompetent or had some kind of disease.
Speaker 2: Uh yeah, did he Did he have a disease or
Speaker 2: any kind.
Speaker 7: Of a disability where he was drooling and not able
Speaker 7: to control his muscles.
Speaker 4: Or or what do they call that?
Speaker 9: Doc?
Speaker 2: With that?
Speaker 4: Is it the i hatel or something you can but
Speaker 4: what is the condition?
Speaker 2: Maybe that's not it where food regurgitates Sometimes you'd be
Speaker 2: eat too fast and it's it's esophageal stricture. Did he
Speaker 2: ever have esophageal problems or any kind of problems with swallowing?
Speaker 17: He's choked a few times before, but.
Speaker 2: It's okay, he diagnosed with any condition that would cause.
Speaker 17: That, not that they know of.
Speaker 6: How do you think this acid.
Speaker 4: Reflux isn't that kind of a form.
Speaker 6: Of massive reflux? Is something different?
Speaker 7: Okay, that's where acid from his stomach gets a little
Speaker 7: bit up into your esophagus and gives you heartburn. So
Speaker 7: it's not a related issue. But I would think that
Speaker 7: dumb even if even if it was. I mean, does
Speaker 7: that say someone who has a heart attack because he
Speaker 7: had coronary auto disease isn't covered by life insurance because
Speaker 7: he held.
Speaker 2: It's not life insurance, doc. He wouldn't be covered though,
Speaker 2: by accidental life insurance. See, the heart attack was not
Speaker 2: an a right, right, So it's not whether or not
Speaker 2: he died, it's whether or not it's covered by accidental death.
Speaker 7: Oh so this guy did not have a regular life
Speaker 7: insurance policy.
Speaker 17: Right, No, it was just accidental.
Speaker 2: You know, we had it. We got to get someone
Speaker 2: on about this, Paula, This.
Speaker 12: Is bo Why don't you try to contact another corner
Speaker 12: and get a different opinion on the cause.
Speaker 2: Because I don't think you're allowed to.
Speaker 6: Yeah, I'm sure you can always get a second or top.
Speaker 4: Well, unless they cremated.
Speaker 6: Yeah, I mean how long ago did this happen, Paula?
Speaker 17: Yes, I think he's already been cremated.
Speaker 2: But here's what I need to know, Paula. Did they
Speaker 2: delve into his medical records or just came up with
Speaker 2: this out of their ass.
Speaker 17: No, I'm sure they dealt with his medical records before
Speaker 17: because he had suffered some symptoms from leg surgery. He
Speaker 17: had knee surgery and he had all kinds of problems
Speaker 17: with that and he ended up having a stroke. But
Speaker 17: he was recovering from that. I mean, he was fine.
Speaker 2: But did the choke incidents happened? Hold on, did the
Speaker 2: choking incidents happen after the stroke?
Speaker 17: I think once before and once after.
Speaker 2: Well, I think I think they're going to try to
Speaker 2: make it sound like a condition of some kind and
Speaker 2: it wasn't accidental.
Speaker 17: And I think the main thing is because he had
Speaker 17: dentures that he did not wear. He didn't like. He
Speaker 17: didn't like him because they hurt. He would never eat
Speaker 17: with just ds in.
Speaker 2: Well, that could be accidental, and I mean that doesn't matter,
Speaker 2: that's not it's not suicide. I mean, he didn't say
Speaker 2: I'm gonna I'm gonna gut in this chicken to die.
Speaker 2: I mean, but here's the here's the problem is once
Speaker 2: it's contested like that, you have to appeal it.
Speaker 4: And And now, by the way, just so you know.
Speaker 2: It's they have hell to pay if they withhold payment
Speaker 2: unjustly I'm wondering if we could just maybe put some
Speaker 2: pressure on him, call them and say we're looking into it,
Speaker 2: if they would get like a little.
Speaker 4: You know what I'm saying.
Speaker 2: Sometimes that's all it takes is an inquiry from the media.
Speaker 2: But I don't know.
Speaker 4: If he were, if it was accidental or not.
Speaker 2: Why are you guys saying it's accidental other than you
Speaker 2: want the money and I'm serious about that. What other
Speaker 2: than that? Why are you saying it's accidental.
Speaker 17: Well, he was in his bedroom meeting a Hamburger by himself,
Speaker 17: and he actually did pull out the device that they
Speaker 17: have or choking. It's like a thunder team. He pulled
Speaker 17: that out and he was trying to get it out himself.
Speaker 2: Wait a minute, That bothers me that you said he
Speaker 2: had a device for choking. Why hold on then, I'm
Speaker 2: this is sounding chronic to me. Hold on, we'll come back.
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Speaker 1: Yeah, rip new need advise you don't have come run
Speaker 1: in siousestas as we can. Shooter's gonna help come.
Speaker 4: Max is the Troubleshooter Show Now Tom Martino, Hi.
Speaker 2: Tom Martino, Your Troubleshooter three O three seven one three
Speaker 2: talk three oh three seven one three eight two five five.
Speaker 2: Welcome to the only show of it's kind anywhere where
Speaker 2: we are doing everything we can to solve your problems.
Speaker 2: And let's see, we're talking about some very interesting things.
Speaker 4: How do you determine if a death was an accident?
Speaker 2: If it's choking, they have accidental death insurance, not regular insurance.
Speaker 4: But Paula said something that bothered me.
Speaker 2: She said he had been he was eating a because
Speaker 2: the insurance company is saying this was a medical problem,
Speaker 2: not an accident. When is a medical problem an accident?
Speaker 4: Never?
Speaker 2: Now, if you have a weak leg due to a
Speaker 2: stroke and you fall down the stairs, that would be
Speaker 2: an accident even though you had a stroke, right, but
Speaker 2: what happens if you choke? So they indicated that he
Speaker 2: had a problem swallowing in the past, the fact that
Speaker 2: he was in his bedroom eating alone. And then she
Speaker 2: said something that keyed me, and that was she grabbed
Speaker 2: for something. He grabbed for something that assists you in what.
Speaker 2: Tell me what he grabs? Some instrument he had?
Speaker 6: What was it? Tell him?
Speaker 7: It's a device that you put over your mouth. It's
Speaker 7: like a reverse pump and it creates a suction. And
Speaker 7: again it's recommended for seniors who are living alone, so
Speaker 7: that there's nobody who can help them if they're choking.
Speaker 6: There are multiple devices on the market.
Speaker 2: Okay, Still, though, the fact that he had it doesn't
Speaker 2: mean it's using What do you mean it doesn't mean anything? Well,
Speaker 2: that means that he anticipated choking.
Speaker 7: Well, no, it's like having a life alert thing. That
Speaker 7: doesn't mean you're going to use it. Okay, this means
Speaker 7: that let me mesk them. Do they recommended for people
Speaker 7: living alone?
Speaker 2: Do you have one? I don't why because good question,
Speaker 2: because you've never had a problem swallowing. If people are
Speaker 2: just tuning in, we're talking about choking.
Speaker 4: Yes, go ahead.
Speaker 17: If I mean, we've actually got one of these medical
Speaker 17: devices too for my grandchildren, just in case. It's just
Speaker 17: a precaution.
Speaker 4: Okay.
Speaker 2: I don't want to, you know, I don't want to
Speaker 2: make a case against you. I don't know what to do.
Speaker 2: This is a very strange situation. I think they're just
Speaker 2: trying to get out of paint. It is what I think.
Speaker 2: And I'd like to add another two hundred and fifty
Speaker 2: thousand dollars to our coffers and we keep track of
Speaker 2: what we do for people. I have a tendency to
Speaker 2: want to have somebody call. Maybe we have deputy DOT
Speaker 2: call because they can't BSM as easy.
Speaker 7: Do you have a copy of the of the of
Speaker 7: the autopsy report?
Speaker 9: Yeah?
Speaker 2: Okay, but what do we call? Do we call the
Speaker 2: corner or do we call the do we call the
Speaker 2: life insurance?
Speaker 5: Not going to get the corner to change it? He
Speaker 5: could care, wouldn't you say? In most cases the corner
Speaker 5: is just gonna put down what happened.
Speaker 6: He's not gonna he's not going to change what he
Speaker 6: put down the report.
Speaker 4: But if you or does he care if they get
Speaker 4: insurged whey or not?
Speaker 17: If the doctor changed it. Wait that again, the corner
Speaker 17: would change it if the doctor. It was up to
Speaker 17: the doctor. He said it.
Speaker 2: Well, what doctor we talked about?
Speaker 4: Hold on, this changes things again?
Speaker 2: What doctor he was under a doctor's care or a
Speaker 2: doctor came to the house, or what.
Speaker 19: Doctor in the emergency room?
Speaker 2: So hold on, hold on the doctor in the emergency room.
Speaker 2: So he didn't die in his bedroom exactally?
Speaker 19: Yes and no, because they brought him back.
Speaker 2: Okay, here's what I need to I don't want to
Speaker 2: know the technic that that brought him back. Here's what
Speaker 2: I want to know. Did he die in his bedroom
Speaker 2: or did did? Did an ambulance come and take make
Speaker 2: him to the r and was he awake?
Speaker 19: The ambulance took him to the R he was unconscious.
Speaker 2: Okay, but alive I doubt they transport a corpse to
Speaker 2: the er.
Speaker 6: Okay.
Speaker 4: So they took him to the er.
Speaker 2: And when he got to the er, did he ever
Speaker 2: regain consciousness?
Speaker 19: No?
Speaker 2: Okay, what do you mean they brought him back? You're
Speaker 2: saying they went to the bedroom, got a pulse going
Speaker 2: and then took him to er. Okay, So now he's
Speaker 2: at the er and the doctor's working on him.
Speaker 4: And what did that doctor write in his report.
Speaker 19: I don't know. We haven't seen it.
Speaker 2: Because the coroner seems to be basing what he is
Speaker 2: saying on that, because if he said history of an
Speaker 2: older gentleman with you know, bar farcas of the esophag
Speaker 2: gial hole, I don't know, whatever the name is given
Speaker 2: for whatever condition he might have. I'm not saying he
Speaker 2: had it, by the way, I'm saying if the er
Speaker 2: doc writes in a report something to that nature, looking
Speaker 2: at his past history, then the corners looking at it
Speaker 2: is could that be right, doc? Or am I?
Speaker 9: Yeah?
Speaker 7: Also, I'd like to know why they didn't do an
Speaker 7: emergency he had to be dead, because if he was
Speaker 7: so kind at a pulse, they would have done an
Speaker 7: emergency trache out of me, just put a whole Like
Speaker 7: you said, they.
Speaker 2: Did a trade hold on they did a trache out
Speaker 2: of me.
Speaker 6: No what I'm saying they would have, don't.
Speaker 2: She just said they did?
Speaker 17: Did they did?
Speaker 9: Right?
Speaker 19: Sure they did?
Speaker 2: Did they do that? Okay? So when they did that,
Speaker 2: did they hook up a breathing apparatus?
Speaker 10: Yes?
Speaker 2: Yes, So what happened? Why didn't they get past the
Speaker 2: the blockage? Then? If they did that, they.
Speaker 19: Couldn't find a scooke small not to fit to push
Speaker 19: the food through the trake.
Speaker 2: Ya wait a minute, but with the tracheotomy, he's breathing, right,
Speaker 2: that would give them time to do surgery. Right.
Speaker 7: Well, yeah, I mean, if he had any function left,
Speaker 7: the tracheotomy would allow air to go back and forth.
Speaker 4: And so that's what I'm asking was the was the lodge.
Speaker 2: Was the food lodged below where the trake was set
Speaker 2: or above it?
Speaker 19: Above it?
Speaker 4: Well, then why wouldn't.
Speaker 2: The trake allow air passage and life while they got
Speaker 2: the food out?
Speaker 6: Because it's already dead.
Speaker 2: That's what it's That's what it sounded like to me.
Speaker 2: When they lost the pulse, they did the trait correct,
Speaker 2: that was just the last ditch effort to keep him alive.
Speaker 2: But as Doc wondered, why didn't they do that in
Speaker 2: the beginning?
Speaker 6: But no, they they probably did as soon as he
Speaker 6: got there.
Speaker 2: They said no, they said they did it after he
Speaker 2: lost his pulse again or whatever.
Speaker 6: I don't I think we know. I think we need
Speaker 6: to get a copy of.
Speaker 2: Here's what I want to know. Who's entitled? Is there
Speaker 2: a hippo when you're dead?
Speaker 7: No, right, right, Doc, I don't know, get a copy
Speaker 7: of the the report and send it to us and
Speaker 7: we'll find out exactly what.
Speaker 6: The timeline is exactly.
Speaker 2: Our doctor said, why don't we Why don't we leave
Speaker 2: it at that? That that sounds good? I mean if
Speaker 2: we get I don't think hippa though, and I don't
Speaker 2: you won't have a problem with hippie.
Speaker 4: You're the next to kin.
Speaker 2: You do you have your sister? There is that who's
Speaker 2: on the phone with you?
Speaker 11: Yes, that's why?
Speaker 4: Okay, yeah, you know.
Speaker 2: By the way, when when did you say? This happened?
Speaker 17: About two to three weeks ago?
Speaker 2: Right, Sherry, I'm really sorry you lost your husband. This
Speaker 2: is terrible. I mean, this is totally on a expected too.
Speaker 2: How old was he? Oh my goodness, that's so young
Speaker 2: by today's standards. By the way, it says, medical records
Speaker 2: as relate to health, medical care, and death is protected
Speaker 2: under hippop for fifty years after death. What do you
Speaker 2: come on? Are you kidding me? Executors, administrators, or other
Speaker 2: individuals authorized by law may get medical records of the
Speaker 2: deceased person. I wonder if that was both family members
Speaker 2: will go ahead?
Speaker 6: I say, I wonder if that was put in after
Speaker 6: JFK got shot.
Speaker 2: It's a fifty year Well that's probably.
Speaker 6: Why, because of the JFK assassination.
Speaker 2: I'm not sure of that, because hippo really was short
Speaker 2: up during the AIDS epidemic, wasn't it, Doc, Or was
Speaker 2: it way before that?
Speaker 6: Was before that?
Speaker 7: I mean, like I said, I would I think it
Speaker 7: would be interesting to see if that particular line of
Speaker 7: code was put in after John F.
Speaker 6: Kennedy. But any in any way, we're getting off the topic.
Speaker 7: We need a copy of the EO report and then
Speaker 7: we can see who we need to call and whether
Speaker 7: or not there's any case to be made.
Speaker 2: Yeah, the first things first, I'm gonna put Deputy doc
Speaker 2: on this hip. It was passed in nineteen ninety six
Speaker 2: according to my girlfriend, and then they upped it during
Speaker 2: the AIDS epidemic, and they the privacy rule got stricter
Speaker 2: because people were being discriminated against for HIV, and it
Speaker 2: got even stronger in O nine and even stronger in
Speaker 2: twenty thirteen. So it's been an evolving law. So you're
Speaker 2: the one that can get it, Sherry for your des husband,
Speaker 2: And as I said, I'm very sorry this happened to you.
Speaker 2: The last thing you need on your mind is getting
Speaker 2: the money. Let's see what we can do for you. So, uh,
Speaker 2: make sure Kachina we get all the information for Deputy Doc,
Speaker 2: all right, and.
Speaker 4: Uh and we'll do what we can.
Speaker 2: And uh we can either call you a Paula or Sherry,
Speaker 2: whatever you guys want, but let's get the copy of
Speaker 2: that as soon as possible. Okay. Three oh three seven
Speaker 2: one three talks seven one three eight two five five Well.
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Speaker 2: with Remax Alliance three oh three nine two zero sixteen
Speaker 2: twenty two. I'm Tom Martino, your trouble shooter. Three oh
Speaker 2: three seven one three talk three oh three seven one
Speaker 2: three eight two five five. Well that this is this
Speaker 2: is another kind of medical problem. Maybe no, no, we
Speaker 2: don't know, Roger High, what's happening, Roger, Yeah.
Speaker 18: So yeah, so I got a little bit of a
Speaker 18: situation here where my stepson and his girlfriend, you know,
Speaker 18: they had relations and they could possibly be having a child.
Speaker 2: Okay, now you say possibly, you don't know if she's
Speaker 2: pregnant yet.
Speaker 18: We don't know yet. There's uh, there's been speculation on
Speaker 18: whether or not that she is. We're waiting for results
Speaker 18: on that. And because of this, there's been taught going
Speaker 18: around that because they're both minors, he's seventeen and she's sixteen,
Speaker 18: that the grandparents of the child on the father's side
Speaker 18: are going to be the ones that are fully financially
Speaker 18: responsible for the grandchild, and on the mother's end, nobody's
Speaker 18: financially responsible. I don't personally don't think.
Speaker 2: Hold on, hold on, Roger, Roger, let's let's let's dissect this.
Speaker 2: So let's say she's pregnant and you're saying, as a result,
Speaker 2: who said they're responsible? Or are you hearing legally? Because
Speaker 2: legally the people responsible, the only people responsible are the
Speaker 2: son and the daughter the girl. If they are miners,
Speaker 2: their parents have to step in.
Speaker 18: Yes, and that's the that's where we're having the issue
Speaker 18: is because they are miners. Yes, her parents are saying
Speaker 18: that they're not financially responsible for the grandchild, that we
Speaker 18: have to cover full cost of everything.
Speaker 2: Well wait, wait, they're saying, because the girl is a minor,
Speaker 2: that the seventeen year old boys parents have to take
Speaker 2: cover the bill.
Speaker 18: That's what they're saying. And I don't buy it. But no,
Speaker 18: I don't know the law.
Speaker 2: Well, of course not. I mean it. First of all,
Speaker 2: I'm not sure what the precedent is on law, but
Speaker 2: in general, in general, if your kids do damage, now
Speaker 2: this is not damage, but if they did damage, you're
Speaker 2: responsible for the damage your children did. Okay, to a
Speaker 2: certain extent, you're you're you're responsible for it.
Speaker 5: Well, it's pretty basic. It says if the parents are
Speaker 5: under eighteen and not emancipated, and in Colorado, you can't
Speaker 5: be when the child is conceived. Both sets of grandparents
Speaker 5: and parents are responsible for the child's support until the
Speaker 5: parents become of eighteen.
Speaker 2: And that that's what I just said, that both parents said.
Speaker 2: It wouldn't be just one or the other. The only
Speaker 2: thing that I was puzzled about, Mark, when you read
Speaker 2: that was you can't be emancipated. I didn't know that
Speaker 2: in Colorado. Yeah.
Speaker 5: I don't think he can in Colorado, but in certain states,
Speaker 5: like New Jersey, you can be emancipated, which means you
Speaker 5: are eighteen.
Speaker 4: I mean, as far as the law looks at it.
Speaker 2: So listen, Roger, what about this? Why did they say
Speaker 2: that because they don't have money.
Speaker 18: Yeah, they're not a very well off family. They've their
Speaker 18: whole family has had a lot of struggles throughout generations,
Speaker 18: and it just seems to follow generation after generation. Yeah, yeah, yeah, Okay,
Speaker 18: you know they're they're they're a welfare family.
Speaker 2: Okay, Well, obviously you let them off the hook.
Speaker 5: I mean, they know they can get on that social
Speaker 5: stuff that's off.
Speaker 2: I think here's what I think. Here's what would happen though.
Speaker 2: The girl would be eligible with the parents for medicaid. Okay,
Speaker 2: and probably and but but Medicaid may go after the
Speaker 2: dad for subrogation. Maybe I'm not sure about that, but
Speaker 2: I think she would be eligible.
Speaker 4: Are they on Medicaid right now?
Speaker 18: I don't see. I have no idea.
Speaker 11: I know very little about that.
Speaker 2: Well, you guys have to you have to start doing
Speaker 2: some homework, Roger, just wait a minute, Doc, you have
Speaker 2: to do some homework.
Speaker 4: But the bottom line is this.
Speaker 2: The bottom line is this that just because they say
Speaker 2: it doesn't make it so. Just because they don't have
Speaker 2: money doesn't get them off the hook. So the both
Speaker 2: of you, you and your wife, and their parents are
Speaker 2: and her parents are responsible.
Speaker 5: Now whatever public service they get right now, when they
Speaker 5: have another kid, it will extend to that kid. If
Speaker 5: they are her health insurance, it could be all of that. Yeah,
Speaker 5: but I don't know what happens if. I don't know
Speaker 5: what happens if the girl is eligible for Medicaid and
Speaker 5: has a child, if they look to the biological father.
Speaker 2: We got to figure that one out. What were you
Speaker 2: gonna say, doctor, Well, I.
Speaker 7: Don't understand why you're waiting to find out if she's pregnant.
Speaker 7: It takes about thirty seconds with the pregnancy test to
Speaker 7: find out if she is.
Speaker 2: A Yeah, what is that all about? I think what's happening?
Speaker 2: Who said she might be pregnant?
Speaker 18: It's the signs that she's showing that go along with
Speaker 18: the pregnancy. We're waiting for her to take a pregnancy
Speaker 18: test to find out for sure.
Speaker 2: Well what do you mean? Way, give me? Give me
Speaker 2: what you mean by waiting? What does this mean? Waiting?
Speaker 18: Were we told her she needs a pregnancy test and
Speaker 18: she said she'll get it to us on her time,
Speaker 18: So we're wait? Okay, I happened now force her to
Speaker 18: go down to the doctor and I can't force her
Speaker 18: to do it legally?
Speaker 4: Well, oh you got to do. All she's got to
Speaker 4: do is go to the dollar store.
Speaker 5: Quite frankly, it's one dollar?
Speaker 2: Yeah? Has she with Here's what I want to know
Speaker 2: it does? Okay, Now, regardless of what happens, they can
Speaker 2: probably come after your son for child support.
Speaker 4: You know that right. She might not even want the baby,
Speaker 4: She might not even be pregnant.
Speaker 2: So have they discussed have they discussed abortion?
Speaker 18: Uh? No, No, this has all come up pretty recently,
Speaker 18: so nothing's really been discussed.
Speaker 4: Call to get from yourself.
Speaker 18: Yeah, I'm just trying to cover my basis here, and
Speaker 18: I agree with you guys. It's gonna be the or
Speaker 18: the responsibility of all.
Speaker 4: Parties involved until the kids of age.
Speaker 18: Exactly, and that's going to be the That's kind of
Speaker 18: the premise that i'm.
Speaker 5: And funny enough, I did. I think I did mess
Speaker 5: up on that emancipation. So either they joined the military,
Speaker 5: Tom there's certain places where a miner can marry with
Speaker 5: parental or illegal guardian consent if they're at least sixteen,
Speaker 5: but they can also leave home and be fully self supporting,
Speaker 5: and that means in every which way under the age
Speaker 5: of nineteen and be emancipated. But more importantly, what I
Speaker 5: just realized is those kids and the grandparents are actually
Speaker 5: going to be responsible, not when the kid turns eighteen.
Speaker 2: It's going to be nineteen, right, I see, because parents
Speaker 2: are legally responsible through the eighteenth Yeah, go ahead.
Speaker 18: What's this whole thing that I remember hearing about how
Speaker 18: parents are legally responsible for providing health insurance until the
Speaker 18: age of twenty seven.
Speaker 2: No, that's not true. Okay, here's what it is. No,
Speaker 2: you're not required. First of all, health insurance is required, well,
Speaker 2: I mean it's never required okay, right now, no longer required.
Speaker 2: But parents are the only ones that can provide health
Speaker 2: insurance to their kids, and you can terminate that when
Speaker 2: they turn eighteen if they can get their own. If
Speaker 2: they can't get their own, you can still termin it.
Speaker 2: I mean, nobody can make you carry insurance for them.
Speaker 2: But usually if somebody is living on their own, they're eighteen,
Speaker 2: they don't make a lot of money. One of the
Speaker 2: good things and people will debate whether it's good or
Speaker 2: aut of Obamacare was it opened up medicaid to a
Speaker 2: lot of people, or heavily subsidized insurance where almost every
Speaker 2: young person can afford it, So it's not entirely bad.
Speaker 2: But no, And the twenty seventh thing, or through the
Speaker 2: twenty sixth birthday, is this, if they are full time students,
Speaker 2: you're allowed to provide it for them. You're not forced,
Speaker 2: but they have to be a dependent. They have to
Speaker 2: be a dependent taken on your taxes as well.
Speaker 5: And the other thing though, is I mean CHIP is
Speaker 5: probably gonna cover that kid or Medicaid.
Speaker 4: I mean, the kid's gonna have health insurance, right, that's right.
Speaker 18: Yeah, And I'm not worried about the whole health insurance thing.
Speaker 18: It's just trying to get us to cover full cost
Speaker 18: of raising this shell.
Speaker 2: I thought it's not gonna happen. It's not gonna happen. Meanwhile,
Speaker 2: I have to ask this question. Have you had us
Speaker 2: a conversation with the son about condoms? Oh?
Speaker 18: Yeah, I bought him a box And.
Speaker 2: What did he say about that?
Speaker 1: Oh?
Speaker 2: I forgot to put it on.
Speaker 18: She was so apparently, I guess, according to him, and
Speaker 18: he used them all up, and she was providing the
Speaker 18: condoms after that.
Speaker 2: What I mean, use them all up? You buy new ones? Right, Okay, Look,
Speaker 2: I don't want to get too technical about this, but
Speaker 2: my god, I mean everyone's got to have this talk
Speaker 2: with their kids. I mean, oh.
Speaker 18: Yeah, well, and that's not for a lack of trying.
Speaker 5: Luck in the birth control they have now too, is unbelievable.
Speaker 5: I mean, these these girls can get a little yeah,
Speaker 5: I don't know. It looks like a little toothpick in
Speaker 5: the side of their arm, and it lasts for years.
Speaker 6: It's an implant that lasted three years.
Speaker 4: Yeah, three years. I don't know why anybody would be
Speaker 4: they can get all right.
Speaker 2: Listen real quick. I got to take a break, Debbie.
Speaker 2: I just want to get before my break this comment
Speaker 2: on choking.
Speaker 4: Go ahead, what is it? What's the comment on choking?
Speaker 3: I have a sister that passed away four years ago,
Speaker 3: and she was by herself, and she a few days
Speaker 3: after Christmas. She just went to the refrigerator, got a
Speaker 3: piece of ham and walked back to her bedroom and
Speaker 3: choked on it and died. It happens very often, I guess.
Speaker 3: And she was sixty three.
Speaker 2: So that is an accident, right exactly. I get you
Speaker 2: and thank you for that perspective. We have more coming
Speaker 2: up on the Troubleshooter Show. Go with a sure thing
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Speaker 2: a cent until you're content. Time for an insurance check
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Speaker 2: So we have a question now in dash cams. Go ahead, Barbara,
Speaker 2: what's happening?
Speaker 8: Oh?
Speaker 3: Is where do I get one? How much do they cost?
Speaker 3: How do I know if it's a good one? And
Speaker 3: who installs them?
Speaker 2: Oh, my goodness. Car toys for one car toys, Yeah,
Speaker 2: you can get them.
Speaker 5: I think you can buy them anywhere, and you can
Speaker 5: install some of the newer ones if you don't mind
Speaker 5: just running a you know, a cigarette lighter adapter. That's
Speaker 5: a very easy way. The other thing, if you have
Speaker 5: a mirror that has like rodge door any controls on it,
Speaker 5: Car toys like Tom said, or any place like that
Speaker 5: can app right into there. Then it comes on with
Speaker 5: the car.
Speaker 2: But also Kevin Caulkin. Kevin Caulkin can do it.
Speaker 4: Oh all day long.
Speaker 2: You buy it, and they can do any kind of
Speaker 2: insulation you want. That Sheridan Auto tech dot Com.
Speaker 3: Share that's great, they're putting a new engine in my uh.
Speaker 2: Oh, just just buy the cam. Now you're saying, you're saying,
Speaker 2: are there any good or bad ones? Most? I hate
Speaker 2: to say this as a blanket statement, but most of
Speaker 2: these small electronic they're all good, just like webcams. I mean,
Speaker 2: you get Really it's the features you want to look for.
Speaker 2: Most it's it's almost brainless to make a good high
Speaker 2: deed dash cam. So what I would do is just
Speaker 2: google them and look at the view. John Fuller, I
Speaker 2: just bought one.
Speaker 4: John Fuller likes go the row the thy recalls.
Speaker 7: I bought a think Ware which is at a lot
Speaker 7: of features and was only cost about one hundred and
Speaker 7: fifty bucks for front and back camera.
Speaker 4: Yep, you want front and back. I agree with that.
Speaker 6: Think web that, I think the h A W A R.
Speaker 5: E think as and I'm thinking where think where w
Speaker 5: A R E. And then the other one is rove
Speaker 5: r O ve.
Speaker 2: Very good information. Thank you guys, really appreciate that. Doc.
Speaker 2: I didn't know you got twin cams.
Speaker 6: Yeah I did.
Speaker 7: I thought you only cost one hundred and fifty bucks.
Speaker 7: I think, I said a couple of weeks ago.
Speaker 2: I was thinking about getting dash cams, except I don't
Speaker 2: want anyone to use it against me, John.
Speaker 7: Fuller, And he said, and you know there, if you
Speaker 7: go on YouTube, you can sometimes see these downloads of
Speaker 7: people having accidents where the dash cam saved them thousands
Speaker 7: of dollars because they can prove that the other car
Speaker 7: went the red light, or that the car merged into
Speaker 7: your lane or somebody backed into you.
Speaker 2: Can they prove I was speeding and swerving and slamming
Speaker 2: on my brakes. I'm just kidding. I don't drive like that.
Speaker 2: I'm just kidding. As I got older, I got so
Speaker 2: much team too.
Speaker 7: But they are they are really an invaluable asset, especially
Speaker 7: if someone bats into you and says, oh you you
Speaker 7: you rear ended them showing.
Speaker 2: Them Oh no, I get it and I see it. Yeah. Hey, Randy,
Speaker 2: what is your comment on insurance? Randy, what's happening?
Speaker 15: Well, Mike, so my question is on this accidental death
Speaker 15: and dismemberment. I was listening to your show coming home
Speaker 15: from work, so I had CREO happen to me, which
Speaker 15: is central retina artery occlusion May twenty through three of
Speaker 15: twenty three.
Speaker 2: What was that? What is that?
Speaker 15: It's the main artery that supplies the blood to the
Speaker 15: back of the eye. Mind collapsed and I was mind
Speaker 15: in my left eye.
Speaker 2: Oh my goodness.
Speaker 15: And so through my company and everything, I have accidental
Speaker 15: death and dismemberment. And they said I should go ahead
Speaker 15: and put in for a claim because it does say
Speaker 15: loss of an eye in there. It pays half of
Speaker 15: the yeah that I cover. I committed everything to the
Speaker 15: deal to the Hartford who's the insurance holder, and they
Speaker 15: rejected it. Being in my my report with all the
Speaker 15: emergency rooms and everything, it says I woke up with
Speaker 15: this condition and was blind and it has to fall
Speaker 15: under an accident, and they said I have the right
Speaker 15: to appeal it. So I wrote a letter appealing and
Speaker 15: why I felt like it should be covered, you know,
Speaker 15: and all this stuff, but they rejected it again. So
Speaker 15: I just kind of dropped it because I figured I
Speaker 15: was never going to get anywhere. But I want your opinion,
Speaker 15: if you think I should still talk to a lawyer
Speaker 15: and have them review it to see if this would
Speaker 15: still fall under it or not, because it wasn't intentional.
Speaker 5: Most of those what's that policy max out at though,
Speaker 5: like fifteen grand Mine.
Speaker 15: Was five hundred thousand, and then for a loss of
Speaker 15: an eye is half that amount?
Speaker 4: Wow?
Speaker 2: But why are they saying you they're not disputing you
Speaker 2: lost an eye, right.
Speaker 15: Nope, they're not disputing it. But being in my doctor's
Speaker 15: reports when I went into all the emergency rooms, they
Speaker 15: said what happened? I said, I woke up, up, I
Speaker 15: went to the bathroom and realized I have no left
Speaker 15: eye vision.
Speaker 2: Okay. And they're saying and and and it only would
Speaker 2: cover it if it was an accident. Again, is that
Speaker 2: what we're talking about? According I don't think doc, I
Speaker 2: don't think you call that an accident to you. I mean,
Speaker 2: that's a medical condition.
Speaker 6: That's what it sounds like to me.
Speaker 2: It sounds like, I mean, if you hit your head
Speaker 2: and that happened you, you fell down.
Speaker 11: Right.
Speaker 15: See if the way I look at it, if I
Speaker 15: would have wrote, you know, I tripped over the dog
Speaker 15: and hit my head and.
Speaker 4: Right, that's right, I'd call up Benelli.
Speaker 5: I'd call up and have a conversation with Marco Bendonelli
Speaker 5: or someone at his office about that.
Speaker 4: Honestly.
Speaker 5: The interesting part too, if it truly is an insurance company,
Speaker 5: and it sounds like it is like the General or
Speaker 5: something like that, and I don't mean the General car insurance,
Speaker 5: but you could even go after treble damages.
Speaker 4: All right, here's the deal.
Speaker 2: Here's the deal. You may have lost if you if
Speaker 2: you weigh a year, well, I think did you file
Speaker 2: the claim. If you filed the claim, then it's not dead.
Speaker 2: I think you have three years after that. But if
Speaker 2: you didn't file the claim, you had a year from incident.
Speaker 2: Here's the deal. Randy, call Marco Bendinelli find him at
Speaker 2: referralst dot com. But I'm going to tell you, just
Speaker 2: from what you're telling me, it doesn't sound like an accident.
Speaker 2: I don't even know why you're saying it's an accident.
Speaker 15: I mean, no, it's because it's under accidental death and
Speaker 15: dismemberment for the loss of an eye, And.
Speaker 2: I get it, but but what but you didn't lose
Speaker 2: your eye from an accident.
Speaker 15: That's what I wanted to confirm, because.
Speaker 2: Well, don't confirm it with me, call an attorney. But
Speaker 2: but what is the accident? What was the accident?
Speaker 15: No, I'm interpreting it as I you know, I woke
Speaker 15: up and I accidentally I don't have vision. I didn't
Speaker 15: do it.
Speaker 4: Well, you accident.
Speaker 5: Come on, now, I have I have one of those
Speaker 5: accident policies. Man, it has to be an accident, like
Speaker 5: where we cashed in on an event a car hit
Speaker 5: us and the car created the accident.
Speaker 2: Yeah, it can't when you wake up and you say, well,
Speaker 2: I didn't intend not to have vision, Well, you don't
Speaker 2: intend to have kidney stones. I mean, you know it's
Speaker 2: they're not accidents. An accident is not when something that
Speaker 2: has been deteriorating manifests itself. That's not an accident. It's
Speaker 2: when something induces it. It's a It's a casualty event.
Speaker 2: Sudden and accidental is how insurance says it. Well, and
Speaker 2: it's got to be sudden and accidental, not just accidental.
Speaker 2: So I don't think you have a prayer. But call
Speaker 2: Marco Bendinelli. We have more coming right up. Go with
Speaker 2: a sure thing Denver's Best roofer Excel roofing dot com.
Speaker 2: You don't pay a cent until you're content. Time for
Speaker 2: an insurance checkup free, no obligation. In comparison, call Compass
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Speaker 2: You'll think you're his only customer when you choose for
Speaker 2: a drund the real estate man dot com to list
Speaker 2: your home with Remax Alliance three oh three nine two
Speaker 2: zero sixteen twenty two. Hi Tom marshait out here three
Speaker 2: O three seven one three talk seven one three eight
Speaker 2: two five five. Go ahead, let's talk Garrison. What's going on?
Speaker 6: Man?
Speaker 2: Yeah?
Speaker 8: So I had bought in a car in June, and uh,
Speaker 8: the dealer said that the air conditioning was now working.
Speaker 8: Did it fix it for free? I could either leave
Speaker 8: it there?
Speaker 2: And is it called okay? Did you actually get Garrison?
Speaker 2: Did you get a Wheo statement it's called no okay?
Speaker 2: Did you get anything to say that they would fix it?
Speaker 8: I don't know whether they did fix it, but so
Speaker 8: the scene was on the way, on the way from
Speaker 8: them delivering it to me. After they fixed the air conditioner,
Speaker 8: the car reheated, so they took it back to the
Speaker 8: dealership and a Crock, you will work on it. Here's
Speaker 8: a loner in the meantime, so and it being ahead gasket,
Speaker 8: they fixed it.
Speaker 2: To hold on, hold on, yeah, and what happened then,
Speaker 2: so so mind you.
Speaker 8: It took a month to picked it and then they
Speaker 8: gave me the car back. I had it for six
Speaker 8: days and then it overheated on me again.
Speaker 2: All right, why don't you hold on. Let's get him
Speaker 2: back on tomorrow for sure. Let's figure this thing out.
Speaker 2: I'm Tom Martino. We'll we'll help you out, Garrison. Let's
Speaker 2: let's I mean, we'll try. Okay, all right, folks, we're
Speaker 2: out of time. Don't forget three ozo three Martino, get
Speaker 2: lined up for the next show three oh three, six,
Speaker 2: two seven, eight four sixty six, and save all your
Speaker 2: problems for me