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<v Speaker 1>Yeah, ripped up new neat advice, so.

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<v Speaker 2>You don't have.

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<v Speaker 3>Come running.

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<v Speaker 2>It's just as fast as you can.

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<v Speaker 1>Shooter's gonna help come man Dix.

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<v Speaker 4>Is the Troubleshooter Show.

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<v Speaker 2>Now, Tom Martino, Hey, Tom Martino here, Welcome to the show.

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<v Speaker 2>Three oh three seven one three talk three O three

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<v Speaker 2>seven one three eight two five five. I'm still waiting

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<v Speaker 2>for uh Mark to connect. I finally figured out how

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<v Speaker 2>I can get this guy on the.

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<v Speaker 4>Year not even a bro. How are you gonna bring

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<v Speaker 4>me up?

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<v Speaker 5>I'm on YouTube? Okay you are now. A minute ago

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<v Speaker 5>it was just a splash screen, that's all.

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<v Speaker 2>You're scaring the hell out of me there, Mark, No, no,

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<v Speaker 2>I I think I was there. Okay, yeah, it was

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<v Speaker 2>stay tuned for the Troubleshooter. Now I'm trying my automated

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<v Speaker 2>scene switcher. It worked because Dragon. No, wait, who's doing

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<v Speaker 2>the show right now? It is a Shannine. Then Shannon

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<v Speaker 2>did actually hit it at the proper time, And if

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<v Speaker 2>the show goes according to the proper time.

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<v Speaker 4>I can't imagine why it would never according to the proplem.

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<v Speaker 2>Hold on, guys, hold on, uh I'm just full from

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<v Speaker 2>my I had a cat and a dog this morning,

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<v Speaker 2>and god was it was Delicia. I had my my

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<v Speaker 2>immigration my immigrant friends over and they fixed me a

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<v Speaker 2>wonderful breakfast.

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<v Speaker 4>You know, that's the hoddest thing I think held a dog.

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<v Speaker 2>And a side of potatoes.

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<v Speaker 5>What I thought you literally were saying you ate a

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<v Speaker 5>cat and a dog?

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<v Speaker 4>Is that not? Am I the only one they'd heard that?

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<v Speaker 2>Yeah? Yeah, yeah, it's it's for breakfast. And my Venezuelan

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<v Speaker 2>friends are basically going around the neighborhood gathering stray dogs

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<v Speaker 2>and cats, and uh, we're having a wonderful feast. And uh,

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<v Speaker 2>in addition to that, we're listening to Taylor Swift music

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<v Speaker 2>and all kinds of stuff. We're having a wonderful time.

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<v Speaker 4>And uh, you're not going to bait me today. Brother.

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<v Speaker 2>Hey, I actually never got more fun email about you.

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<v Speaker 2>Loving it?

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<v Speaker 4>Oh so I think I should bait you. I should.

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<v Speaker 5>I got one about you. Okay, of course you're going

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<v Speaker 5>to get I was no, no, no, this one was

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<v Speaker 5>kind of shocking. I'm going to pull it up and

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<v Speaker 5>I'll read it at some point. But uh man, this guy,

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<v Speaker 5>this guy, let's just leave it like that.

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<v Speaker 4>Was really upset with you, big Why you know.

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<v Speaker 2>Because I bring out what everyone thinks. I mean, you

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<v Speaker 2>know I'm not And I made this very clear. I'm

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<v Speaker 2>not talking about my preference. I'm talking about what I think.

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<v Speaker 5>You and I think said yesterday. Hold on, I'm just

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<v Speaker 5>gonna have to pull it up on What did.

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<v Speaker 2>I What did I say? Well, I want you to

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<v Speaker 2>get on zoom too, because I want to show people

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<v Speaker 2>how how smart I am to do this.

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<v Speaker 5>So you too, how you feel figured it out? Huh,

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<v Speaker 5>it'll be very interesting. Hold on, I'll have this up

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<v Speaker 5>in a second. So keep your mouth running, keep going

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<v Speaker 5>while I get it up. All right, That sounded really bad.

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<v Speaker 5>No matter how I look, I get it up. Okay,

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<v Speaker 5>Mark three oh three, seven to one three. Talk really seriously.

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<v Speaker 5>It's not a political show. And no, I want to

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<v Speaker 5>make this clear. Bar I ready, hold on, do you

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<v Speaker 5>make comments? I just want to make this clear. Have

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<v Speaker 5>you heard me?

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<v Speaker 2>Yesterday? I wasn't saying anything un reasonable. I was saying

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<v Speaker 2>how this.

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<v Speaker 5>Person thinks you said the most unreasonable thing in the world.

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<v Speaker 4>What did I say?

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<v Speaker 2>Really?

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<v Speaker 5>Disappointed longtime listener of your show. Every day you're fighting

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<v Speaker 5>to get scumbags out of business.

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<v Speaker 4>That's right.

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<v Speaker 5>Today you said you would vote for Trump you have

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<v Speaker 5>no problem to put the biggest scumbag of all time

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<v Speaker 5>in the White House. Rapist, fraud, insurrectionist, convicted felon.

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<v Speaker 2>Somewhat said, let me explain this.

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<v Speaker 5>I did disappointment. What a disappointment you are, Tom Martine. Okay,

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<v Speaker 5>let me explain this. Trump in no way, and I

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<v Speaker 5>mean this now, I really.

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<v Speaker 2>Want to get serious. He doesn't reflect my morals or

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<v Speaker 2>my moral compass. But I don't. I think a lot

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<v Speaker 2>of the charges mark a lot of the civil cases

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<v Speaker 2>were stupid.

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<v Speaker 4>But I'm not even going that far.

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<v Speaker 2>I'm just saying that no one has ever been prosecuted

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<v Speaker 2>for exaggerating on a financials. By the way, financial statements,

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<v Speaker 2>I really need to make this clear. They're not audited instruments.

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<v Speaker 2>Everyone makes out their own financial statement for banks.

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<v Speaker 4>Banks look at them and.

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<v Speaker 2>Then ask for clarification, or they make the loans. These

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<v Speaker 2>banks wanted to make the loans, they knew they were

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<v Speaker 2>good loans. They didn't want to sue. They never got

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<v Speaker 2>they never got dinged dime. Okay. Now, having said that,

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<v Speaker 2>so those were bogus. Now what about the other ones? Well,

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<v Speaker 2>I don't know that much about the.

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<v Speaker 5>Other The section has already weighed in on the immunity,

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<v Speaker 5>so most of those charges are gone.

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<v Speaker 2>But the sexual harassment they're talking about in all know

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<v Speaker 2>what they.

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<v Speaker 5>Talk about that New York literally changed the laws on

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<v Speaker 5>the books in order to go after him, and then

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<v Speaker 5>the law reverted back after they went after Trump.

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<v Speaker 4>For those literally the law reverted back to where they

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<v Speaker 4>couldn't do the same thing again.

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<v Speaker 2>It's true what Mark is talking about. Honest to god,

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<v Speaker 2>they specifically extended the statute of limitations for sexual harassment

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<v Speaker 2>and rape, specifically for civil damages for a six month period.

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<v Speaker 2>After the lawsuit was filed. The law went away, and

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<v Speaker 2>they've hurted it.

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<v Speaker 5>I mean, but there are still people going after Mark Martin.

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<v Speaker 4>I'm not denying that.

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<v Speaker 2>I'm trying to explain to this guy why would vote

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<v Speaker 2>for but what here's what people say about that even

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<v Speaker 2>though they changed the law, had he never done it,

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<v Speaker 2>it wouldn't have been an issue.

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<v Speaker 4>So I'm not going to go there.

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<v Speaker 2>All I'm going to say is this, I don't personally

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<v Speaker 2>I know Mark loves him, I don't personally like him.

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<v Speaker 2>I don't like him like he's upset with He's a child.

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<v Speaker 2>If you heard him in that debate last night. I

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<v Speaker 2>have the biggest crowds ever. I have the biggest this,

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<v Speaker 2>I have the biggest that, I got this many of most.

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<v Speaker 2>Nobody's ever done this, Nobody's ever done that. Okay, look,

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<v Speaker 2>I don't like all that bravado. Here's all I'm saying.

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<v Speaker 2>By having him in office, you do get to stop

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<v Speaker 2>a lot of other nonsense. It has nothing to do

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<v Speaker 2>with him. Why why for one believe not one person

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<v Speaker 2>in that office is going to change the course of history.

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<v Speaker 2>But what I do think is they will allow others

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<v Speaker 2>to have voices because right now, no matter how you

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<v Speaker 2>look at it, we have a lopsided government and our

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<v Speaker 2>country is swinging way way, way, way too far left.

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<v Speaker 2>I don't want it to swing way, way, way, way

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<v Speaker 2>too far right. I tend to be very and nobody

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<v Speaker 2>cares what I tend to be. But I want this

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<v Speaker 2>guy to know why I said Trump It wasn't for

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<v Speaker 2>Trump the person, because I don't really care about that

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<v Speaker 2>and all this crap about the person. You know what,

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<v Speaker 2>Biden's not a great person either. He's been in business,

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<v Speaker 2>he's been in the government business for forty some odd years,

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<v Speaker 2>and takes bribes like all of them. They all suck.

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<v Speaker 2>So what you have to do is pick the lesser

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<v Speaker 2>of evils. That's really what you have to do. And

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<v Speaker 2>they all suck. They really all suck, except for Jimmy Carter,

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<v Speaker 2>and he sucked as a president. You know, I think

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<v Speaker 2>Clinton was okay, I wasn't that terrible about Obama. I

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<v Speaker 2>love Reagan. I mean, look, here's the bottom line. I

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<v Speaker 2>don't no one cares how I'm good of votes, So sir,

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<v Speaker 2>you should even care, you know, go in and pull

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<v Speaker 2>the lever for whoever you want. But but I don't believe, Okay,

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<v Speaker 2>I don't believe we need more of the same.

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<v Speaker 4>That's all. That's all.

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<v Speaker 2>Now, having said that, I'm digesting my dog and kat

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<v Speaker 2>I'm listening to Taylor Swift during the breaks. I'm having

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<v Speaker 2>a good time here, you know.

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<v Speaker 5>And I do want to say something about that debate

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<v Speaker 5>real quick. She definitely won, but the fix was in

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<v Speaker 5>for him. She'd never seen moderators like fact check. I

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<v Speaker 5>think they fact checked them forth on the run. They

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<v Speaker 5>didn't do anything nothing to Kamala. And she puts some

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<v Speaker 5>big whoppers out there. Here's the one, here's the one

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<v Speaker 5>they always save the one.

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<v Speaker 2>Here's the one he always says that they always say

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<v Speaker 2>they always say this, he's going to adopt Project twenty

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<v Speaker 2>twenty five. How many times can he say he's not?

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<v Speaker 2>Then he then he's going to have a national abortion ban.

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<v Speaker 2>He said leave it to the states. But that's not

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<v Speaker 2>that's not what they want him to say. So they

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<v Speaker 2>put words up. Why didn't they fact Why didn't they

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<v Speaker 2>fact check that? Well?

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<v Speaker 4>I don't know, because it was it was three.

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<v Speaker 6>Ones the democratic partisan side.

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<v Speaker 2>Okay, you know they have I don't want to be

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<v Speaker 2>a mark. I want you to get on so I

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<v Speaker 2>can show people how smart he break.

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<v Speaker 4>I'll try it.

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<v Speaker 7>Hey, Tom, One thing you know that you said, I

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<v Speaker 7>really believe that if if the Democrats retained power, it

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<v Speaker 7>will change history because the unfettered immigration crisis will contart.

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<v Speaker 2>But doc, I didn't say it wouldn't. I said, one

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<v Speaker 2>person can't do that in thetive office.

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<v Speaker 8>No.

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<v Speaker 7>I think if Kamala gets elected, then we will have

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<v Speaker 7>an unfettered immigration crisis and it will change the country.

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<v Speaker 4>It's not because of one person.

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<v Speaker 5>No, it is not because it's because you can close

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<v Speaker 5>that border.

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<v Speaker 4>Man.

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<v Speaker 2>If congret listen, if you add a Democratic president and

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<v Speaker 2>Republican lawmakers, that would be different. And then you have

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<v Speaker 2>conservative court or liberal court, and and you have Democrat

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<v Speaker 2>Congress and a Republican president. All I'm saying is our

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<v Speaker 2>system is set up or one person can't do that

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<v Speaker 2>much doubt.

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<v Speaker 5>When it comes to the border, though I have to

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<v Speaker 5>disagree with you.

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<v Speaker 4>They can cat down the border with this way.

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<v Speaker 2>Yeah, pay, you're right, executive orders and all of that.

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<v Speaker 2>And by the way, I for one think executive orders

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<v Speaker 2>are overdone. They're totally overdone, and I think there should

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<v Speaker 2>be more oversight for that.

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<v Speaker 4>By the way, I just I want to say.

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<v Speaker 2>One, no one really as I said, no one really

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<v Speaker 2>cares about my political views. But when you.

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<v Speaker 5>Write critic you've been around this town. I want to

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<v Speaker 5>tell you exactly the sentiment. And I'm speaking for a

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<v Speaker 5>lot of people, not myself, but it's this. You're the troubleshooter.

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<v Speaker 5>You're the guy that puts the scumbags away. You're the

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<v Speaker 5>one that spreads that spotlight on the news stations for

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<v Speaker 5>forty years, on the radio, in print.

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<v Speaker 4>You're that guy.

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<v Speaker 5>So when you talk about politics, they get really pissy,

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<v Speaker 5>some of them, usually the lefties.

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<v Speaker 2>I tend to be conservative when it comes to economic issues,

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<v Speaker 2>and I crime, and yeah.

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<v Speaker 4>When it comes to when it comes to.

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<v Speaker 2>Social issues, I don't think we should ever be involved

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<v Speaker 2>in that. I mean, everyone just is so busy trying

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<v Speaker 2>to tell people how to live their lives. Who cares?

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<v Speaker 2>I think where it gets, where it gets messy is

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<v Speaker 2>where that starts infringing on others people lives, and that

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<v Speaker 2>gets into all of that sports thing with transgenders.

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<v Speaker 4>And I don't even get involved in that.

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<v Speaker 2>I think that's up to those who participate to make

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<v Speaker 2>the rules. I don't participate in that. If it affected me,

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<v Speaker 2>maybe I would. I have to code to Carl now

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<v Speaker 2>real quick to start this. Carl, go ahead, what's going on?

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<v Speaker 9>Man?

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<v Speaker 2>Hey?

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<v Speaker 10>Tom? Are you doing that? Thanks for taking my god?

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<v Speaker 2>What's happening?

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<v Speaker 11>Question about credit credit cards? Not knowing?

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<v Speaker 10>Just wondering if if have being too many credit cards?

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<v Speaker 10>And is there any laws that which I guess the

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<v Speaker 10>person would be violating? And before you, before I say that,

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<v Speaker 10>can me give you a kind of a background. I

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<v Speaker 10>was talking to a family member yesterday and he basically

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<v Speaker 10>and I and you know, I got the average credit card,

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<v Speaker 10>a couple of credit cards, and my family member said,

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<v Speaker 10>I have eighteen credit cards sold in a quarter million

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<v Speaker 10>dollars and I said, I think that's something not right

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<v Speaker 10>with that. And the reason why I thought it because

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<v Speaker 10>I said, well, how does one you know? But if

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<v Speaker 10>he's not capable of paying you know, that quarter million

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<v Speaker 10>dollars back, I mean, what could the credit company take

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<v Speaker 10>some kind of legal action, not just sue him and

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<v Speaker 10>get it judgment. I'm saying, is there any fraud or

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<v Speaker 10>anything like that?

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<v Speaker 2>You mean fraud because you know what I want to

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<v Speaker 2>talk about that there actually have been lawsuits like that

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<v Speaker 2>and there's a very good chance, well not a good chance,

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<v Speaker 2>but a chance that could happen. I'm gonna consult with

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<v Speaker 2>my expert, Taylor Swift on this and then I'll be

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<v Speaker 2>back to you, and more so, hang on seriously, we'll

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<v Speaker 2>come back with an answer. I'm Tom Martine Moore. Right

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<v Speaker 2>after this, go with a sure thing Denver's Best roofer

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<v Speaker 2>Excel roofing dot com. You don't pay a cent until

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00:12:42.159 --> 00:12:48.639
<v Speaker 2>you're content. Time for an insurance check up free, no obligation.

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00:12:48.679 --> 00:12:52.480
<v Speaker 2>In comparison, call Compass insurance paying too much your coverage

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00:12:52.519 --> 00:12:55.159
<v Speaker 2>at dozens of insurance companies find out now three all

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00:12:55.240 --> 00:12:57.559
<v Speaker 2>three seven to seven to one help you'll think you're

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<v Speaker 2>his only customer when you choose Frank durand real estate

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00:13:00.519 --> 00:13:03.759
<v Speaker 2>man dot com to list your home with Remax Alliance

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<v Speaker 2>three oh three nine two zero sixteen twenty two. Hi

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<v Speaker 2>Tom Martino, your troubleshooter three oh three seven one three

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<v Speaker 2>talks seven one three eight two five y five. Waterpros

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<v Speaker 2>dot net. They have that special, the unbelievable special, and

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<v Speaker 2>that's the one where you can get the whole house

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<v Speaker 2>softening and get rid of all the chemicals, plus triple

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<v Speaker 2>filter reverse osmosis for drinking for thirty one ninety five.

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<v Speaker 2>I'm going to tell you some Mark, what would that cost?

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<v Speaker 2>With a plumber? What would it cost? Fifteen sixteen grand

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<v Speaker 2>for those two systems are more probably twelve yeah, eight

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<v Speaker 2>six two five five y five four. That is three

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<v Speaker 2>oh three eight six two five five five four. Paul

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<v Speaker 2>the Waterman, it's waterpros dot net. Now Carl wants to

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<v Speaker 2>talk about something is very interesting. Now, Carl, there is

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<v Speaker 2>something I want to talk about, and that is when

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<v Speaker 2>you have credit cards. And uh, actually, Mark and I

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<v Speaker 2>discussed this years ago, and it was it was so right,

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<v Speaker 2>it was so right the way the way we did it,

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<v Speaker 2>and that was this. What happened was it was kind

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<v Speaker 2>of like the way he explained it is that we.

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<v Speaker 4>Had to.

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<v Speaker 2>How do you but we had to have enough credit

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<v Speaker 2>cards that our usage every month did not go over

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<v Speaker 2>a certain percentage.

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<v Speaker 4>But at the same time, it.

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<v Speaker 2>Couldn't be too much too many credit cards. So what

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<v Speaker 2>you want to do, For example, let me just give

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<v Speaker 2>you an example.

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<v Speaker 4>If you have a.

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<v Speaker 2>Credit card, one credit card, and you use that credit card,

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<v Speaker 2>your credit will go up and down during the month

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<v Speaker 2>tremendously based on percentage.

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<v Speaker 5>Mind flexes by any given time based.

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<v Speaker 2>On percentage of credit used. So when you have to

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<v Speaker 2>credit card cards, the chances of that happening are less

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<v Speaker 2>because if you have now instead of one thousand dollars

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<v Speaker 2>in credit, you have two thousand in credit, and you

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<v Speaker 2>use one card, you still have another whole thousand left.

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<v Speaker 4>So percentage of credit used is less.

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<v Speaker 2>The more credit cards you have is good when it

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<v Speaker 2>comes to percentage of credit used.

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<v Speaker 5>Yeah, it's more credit no matter you look at it.

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<v Speaker 5>People have extended you more credit, but they want you

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<v Speaker 5>to have the credit extended but not to use it.

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<v Speaker 5>It's weird.

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<v Speaker 2>They want you to use a certain percentage of the

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<v Speaker 2>credit and I believe to get really high marks. You

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<v Speaker 2>never want to go over thirty percent of credit granted. Well,

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<v Speaker 2>as Mark was alluding to, and what happens with us

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<v Speaker 2>with business, we use the credit cards to get points

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<v Speaker 2>and everything. We put everything on those everything, everything. So

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<v Speaker 2>at the end of the month we're looking like bums,

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<v Speaker 2>right because we're using eighty seventy percent of our credit.

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<v Speaker 2>Eighty percent of our credit. But here's the point, it's

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<v Speaker 2>best to use thirty percent or less. It's called good

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<v Speaker 2>credit utilization. That's one algorithm. But then there's another one,

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<v Speaker 2>which is strange. If you have too much credit granted

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<v Speaker 2>to you in regards to income, then you can have

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<v Speaker 2>a serious problem, you see. And that's where that's where

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<v Speaker 2>it gets to be weird, is where you.

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<v Speaker 5>But but to circle back, Carl, it is not illegal

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<v Speaker 5>unless if you're trying to perpetrate some kind of fraud

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<v Speaker 5>like now bankruptcy or something that's not Tell them.

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<v Speaker 2>What happens, Tell them what happens. If you declare a

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<v Speaker 2>bankruptcy and you had all of those what would.

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<v Speaker 5>Happen, well, ninety nine percent of the time, it wouldn't

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<v Speaker 5>be fraudulent. It's un there's nothing the credit card companies

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<v Speaker 5>can do. There's no security like if it is on

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<v Speaker 5>a house. So basically the debt gets wiped out. It's gone.

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<v Speaker 5>Let's say you were Trump, Well then they'd come after you.

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<v Speaker 2>No, I'm serious or somebody like that. They will come

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<v Speaker 2>after you and say you use too much credit.

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<v Speaker 4>Yeah, but generally speaking, in a bankruptcy, all your credit

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<v Speaker 4>card debt's gonna go away, unless once again, you were

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<v Speaker 4>perpetrating some kind of fraud. And that's the whole point.

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<v Speaker 5>But most people who that have eighteen credit cards, the

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<v Speaker 5>problem isn't fraud. The problem is they start using one

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<v Speaker 5>credit card to pay for another credit card, to pay

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<v Speaker 5>for the card, to pay for the mortgage, to pay

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<v Speaker 5>for the rent, the phone bill, everything else, and pretty

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<v Speaker 5>soon all eighteen are maxed out. They can't get any

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<v Speaker 5>more credit. Then they got to pull that trigger.

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<v Speaker 2>Now, if I'm gonna put you on, if I'm gonna

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<v Speaker 2>put you on, here people, what you have to do

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<v Speaker 2>is look right now, you look at the camera. Look

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<v Speaker 2>at Marky is on. There you go. Now. YouTube has

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<v Speaker 2>a little lag in it, but Mark is on. So

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<v Speaker 2>I can put him on when he's talking, or I

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<v Speaker 2>can put him over my shoulder. I can manipulate him

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<v Speaker 2>anyway I want.

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<v Speaker 4>Wow. Yeah, sounds great, Yes, I can. Good time to

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<v Speaker 4>do this.

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<v Speaker 2>What's that?

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<v Speaker 4>This is a good time to work on it?

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<v Speaker 2>What's wrong with working on it?

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<v Speaker 6>Now?

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<v Speaker 2>I'm gonna put him over my shoulder. I'm gonna put

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<v Speaker 2>him on Okay, so there he is. Now, Now watch

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<v Speaker 2>this one.

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<v Speaker 4>Hold on, I got to figure out. Look at this one.

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<v Speaker 4>Now he's over my shoulder.

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<v Speaker 2>Hold On, don't.

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<v Speaker 4>See well it has a little lag in it.

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<v Speaker 2>Doc is there? No, I don't see it. Do Doc

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<v Speaker 2>normally doesn't see his face.

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<v Speaker 4>That's probably looking at you know, Yahoo dot com.

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<v Speaker 7>Hey, Tom, if you want to hear something interesting instead

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<v Speaker 7>of all this, I just said something that showed the

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<v Speaker 7>price of insulin in forty countries.

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<v Speaker 4>The price of insulin in forty countries.

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<v Speaker 6>States was about one hundred dollars.

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<v Speaker 4>The next thirty five, Doc, I don't think your MIC's on.

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<v Speaker 7>Oh Tom, I'll say he's poice of insulin in the

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<v Speaker 7>United States is about one hundred dollars for dose. In

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<v Speaker 7>the other thirty five countries, it went from three dollars

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<v Speaker 7>to twenty dollars.

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<v Speaker 6>Max. Is that ridiculous? Yeah, it is like to make

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<v Speaker 6>a call.

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<v Speaker 2>Yeah, So anyway, Doc, it's not only insulin. There's a

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<v Speaker 2>whole bunch of stuff. This is happening with a whole.

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<v Speaker 7>I know that's one of the most hused drugs in

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<v Speaker 7>our country.

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00:19:19.519 --> 00:19:20.400
<v Speaker 4>Yeah it is.

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<v Speaker 2>Three oh three seven one three talks. So from now on,

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00:19:24.200 --> 00:19:30.039
<v Speaker 2>Mark can't complain because when he is, uh, always see him. Yeah, exactly,

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00:19:30.240 --> 00:19:32.839
<v Speaker 2>He's going to be on and you're gonna and it's

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<v Speaker 2>gonna be doing whatever.

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<v Speaker 4>I'm pretty sure I'm frozen there, bro, I.

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00:19:37.000 --> 00:19:39.759
<v Speaker 2>Don't think you're frozen now, I see it moving. I

395
00:19:39.799 --> 00:19:43.319
<v Speaker 2>think that YouTube might be screwed up sometimes, you know

396
00:19:43.400 --> 00:19:47.079
<v Speaker 2>the YouTube, But he's there if anybody wants to see

397
00:19:47.079 --> 00:19:50.720
<v Speaker 2>what we're doing here, I'm just trying to update this anyway.

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<v Speaker 2>Three oh three seven one three talks seven one three

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<v Speaker 2>eight two five five. Now, somebody said we should bet

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00:19:58.440 --> 00:19:59.759
<v Speaker 2>on the outcome of the election.

401
00:20:01.519 --> 00:20:02.880
<v Speaker 4>I'm done betting with you, sir.

402
00:20:04.039 --> 00:20:06.640
<v Speaker 2>You don't think I pay it, but you're not that

403
00:20:06.720 --> 00:20:09.119
<v Speaker 2>you just one reason I don't like betting is because

404
00:20:09.119 --> 00:20:10.960
<v Speaker 2>I don't want to bet against what I want to happen.

405
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<v Speaker 4>Oh, here comes to hate mail now, No, I just.

406
00:20:15.839 --> 00:20:18.000
<v Speaker 2>I don't want to bet against what I want to happen.

407
00:20:19.039 --> 00:20:21.000
<v Speaker 2>I want to see more balance in the government. I

408
00:20:21.079 --> 00:20:23.039
<v Speaker 2>want to get rid of the Democrat in the White House,

409
00:20:23.440 --> 00:20:27.440
<v Speaker 2>and I want to see balance in both houses. Here's

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00:20:27.480 --> 00:20:29.960
<v Speaker 2>the text, Tom. Have you noticed there was no previous

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<v Speaker 2>former Republican president vice president that endorsed Trump and was

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<v Speaker 2>at his convention, including Trump's previous VP.

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<v Speaker 4>Yeah.

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00:20:38.920 --> 00:20:41.359
<v Speaker 2>No one who works with worked with him before, will

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00:20:41.400 --> 00:20:45.759
<v Speaker 2>ever use him again. In fact, they they endorse Harris.

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00:20:47.200 --> 00:20:50.920
<v Speaker 2>All the people who worked with Harris loves her. Anyone

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00:20:50.960 --> 00:20:54.880
<v Speaker 2>who served under Trump denounces him. Of course, what does

418
00:20:54.880 --> 00:20:57.640
<v Speaker 2>that say about him?

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<v Speaker 4>He's a tough boss.

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00:20:59.279 --> 00:21:02.279
<v Speaker 2>The people who were unsaved and did things on his

421
00:21:02.440 --> 00:21:07.200
<v Speaker 2>behalf are serving time in jail or indicted. There were

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00:21:07.200 --> 00:21:09.960
<v Speaker 2>more people indicted in the Trump administration.

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<v Speaker 5>Well, that's because the Democrats own the Department of Justice and.

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00:21:14.759 --> 00:21:17.359
<v Speaker 2>For the super MAGA. It is just that if they

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00:21:17.440 --> 00:21:19.720
<v Speaker 2>tell you a lie long enough, you're going to believe it.

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<v Speaker 5>Now, where did that come out of? What playbook? Did

427
00:21:23.279 --> 00:21:25.240
<v Speaker 5>that come out of that laptop?

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00:21:25.319 --> 00:21:27.559
<v Speaker 4>My friend? There's nothing to see here.

429
00:21:27.839 --> 00:21:31.799
<v Speaker 5>How many people was at eighteen DOJ and FBI before

430
00:21:31.880 --> 00:21:35.160
<v Speaker 5>the election came out in twenty twenty, saying that it

431
00:21:35.279 --> 00:21:39.119
<v Speaker 5>was Russian propaganda, and we were told that until what

432
00:21:39.599 --> 00:21:41.680
<v Speaker 5>until everybody said, oh, whoops, we were wrong.

433
00:21:41.759 --> 00:21:42.839
<v Speaker 4>That was under his laptop.

434
00:21:44.799 --> 00:21:49.000
<v Speaker 2>Now somebody said this, as a YouTube watcher of your program,

435
00:21:49.759 --> 00:21:54.720
<v Speaker 2>I have been overhearing that soon if the program is

436
00:21:54.759 --> 00:21:58.559
<v Speaker 2>going to be broadcast from iHeart, it won't be on YouTube.

437
00:22:00.039 --> 00:22:01.000
<v Speaker 2>I've never heard anything.

438
00:22:01.039 --> 00:22:03.240
<v Speaker 5>Well, now, we were kind of discussing that on air,

439
00:22:03.359 --> 00:22:07.279
<v Speaker 5>or at least off air on YouTube. Oh did did did?

440
00:22:07.319 --> 00:22:10.200
<v Speaker 5>I I'm not We're probably not going to have Wi

441
00:22:10.200 --> 00:22:13.240
<v Speaker 5>fi here. Oh is that what you were talking about?

442
00:22:13.279 --> 00:22:15.960
<v Speaker 2>I know he was saying, a policy of iHeart will

443
00:22:15.960 --> 00:22:18.240
<v Speaker 2>be their shows camp be on YouTube. Why would why

444
00:22:18.240 --> 00:22:19.160
<v Speaker 2>would they ever do that?

445
00:22:19.440 --> 00:22:22.079
<v Speaker 4>No, why would they do that? That would be crazy.

446
00:22:24.160 --> 00:22:26.160
<v Speaker 2>I don't know. I mean that would be crazy too.

447
00:22:26.240 --> 00:22:28.559
<v Speaker 2>I mean, you want as much distribution of your product

448
00:22:28.599 --> 00:22:29.240
<v Speaker 2>as possible.

449
00:22:29.279 --> 00:22:29.839
<v Speaker 4>Not already that.

450
00:22:29.960 --> 00:22:32.200
<v Speaker 5>But I mean, you know, there are Flagship, and there

451
00:22:32.200 --> 00:22:34.240
<v Speaker 5>are friends, and they're great people, but they don't know

452
00:22:34.359 --> 00:22:34.759
<v Speaker 5>the show.

453
00:22:35.480 --> 00:22:37.880
<v Speaker 2>Yeah yeah, but but they of course could say, hey,

454
00:22:38.079 --> 00:22:40.400
<v Speaker 2>you know, we're not doing it and do whatever they want.

455
00:22:40.440 --> 00:22:43.359
<v Speaker 2>It's their studio, agree and anybody can. Anybody can. So

456
00:22:43.799 --> 00:22:46.000
<v Speaker 2>the point is this, you know, the real. The real

457
00:22:46.039 --> 00:22:49.720
<v Speaker 2>point is you have to kind of.

458
00:22:51.759 --> 00:22:52.079
<v Speaker 6>You.

459
00:22:53.000 --> 00:22:55.039
<v Speaker 2>It's just the kind of thing that you have to

460
00:22:55.319 --> 00:22:57.599
<v Speaker 2>play ball with. I mean, there are so many points

461
00:22:57.599 --> 00:23:01.359
<v Speaker 2>of distribution right now. What most broadcast are upset about

462
00:23:01.559 --> 00:23:04.960
<v Speaker 2>is not that the on air product is being rebroadcast.

463
00:23:05.480 --> 00:23:06.799
<v Speaker 4>It's when it doesn't.

464
00:23:06.519 --> 00:23:09.680
<v Speaker 2>Carry commercials or they don't make money off the commercials.

465
00:23:10.319 --> 00:23:14.759
<v Speaker 2>This is something all broadcasters and all media people don't like.

466
00:23:14.839 --> 00:23:17.279
<v Speaker 2>They don't want you using their stuff and making money. Now,

467
00:23:17.279 --> 00:23:20.839
<v Speaker 2>when you post on YouTube, you agree to that. You

468
00:23:21.039 --> 00:23:23.920
<v Speaker 2>say I'm going to allow you to do this. So

469
00:23:24.640 --> 00:23:27.240
<v Speaker 2>to a certain extent, you give up that right. And

470
00:23:27.599 --> 00:23:30.960
<v Speaker 2>maybe there's talk with big broadcast chains if where our

471
00:23:31.000 --> 00:23:33.680
<v Speaker 2>shows are going to be on we need a piece

472
00:23:33.680 --> 00:23:36.680
<v Speaker 2>of the revenue. Who knows anyway, I'm Tom Martino three

473
00:23:36.880 --> 00:23:39.000
<v Speaker 2>three seven to one three talk, get your calls in,

474
00:23:39.279 --> 00:23:42.880
<v Speaker 2>and honest to god, I'd really like to know without

475
00:23:43.279 --> 00:23:47.160
<v Speaker 2>getting into the Hey, I would like to know what

476
00:23:47.240 --> 00:23:52.359
<v Speaker 2>you thought about performances, Just performances, not what they were saying,

477
00:23:53.000 --> 00:23:56.160
<v Speaker 2>because do you know most people look at performance and

478
00:23:56.200 --> 00:23:58.400
<v Speaker 2>not what people say. Did you know that she was

479
00:23:58.559 --> 00:24:02.160
<v Speaker 2>very composed and very tegether like a prosecutor would be

480
00:24:02.480 --> 00:24:08.119
<v Speaker 2>it's hard, but listen, another thing. She never denied raising

481
00:24:08.160 --> 00:24:11.480
<v Speaker 2>bail money for the riots and all that other stuff

482
00:24:11.480 --> 00:24:16.599
<v Speaker 2>and defunding police. I mean, but I am not telling

483
00:24:16.640 --> 00:24:19.279
<v Speaker 2>you that one side one or the other. I want

484
00:24:19.279 --> 00:24:21.200
<v Speaker 2>to know what you thought she won.

485
00:24:21.319 --> 00:24:24.039
<v Speaker 4>But once again, that goes back to dirty tricks.

486
00:24:24.039 --> 00:24:26.079
<v Speaker 5>And I'll just say this, and people hate this, but

487
00:24:26.440 --> 00:24:30.880
<v Speaker 5>when Trump talks about, you know, the election being fixed,

488
00:24:30.920 --> 00:24:34.240
<v Speaker 5>I don't think he's necessarily talking about like they somehow

489
00:24:34.279 --> 00:24:36.599
<v Speaker 5>planted or came up with votes. I think it was

490
00:24:36.640 --> 00:24:40.200
<v Speaker 5>stuff like the Biden laptop, the stuff like people on Twitter,

491
00:24:40.799 --> 00:24:43.839
<v Speaker 5>they couldn't even hear from him anymore. Facebook blocked him.

492
00:24:44.039 --> 00:24:46.599
<v Speaker 5>I mean, it was all of those which were basically

493
00:24:46.640 --> 00:24:49.640
<v Speaker 5>dirty tricks, but the biggest one, that Hunter laptop, I

494
00:24:49.640 --> 00:24:52.759
<v Speaker 5>think would have swung the election the other way, and

495
00:24:52.839 --> 00:24:55.640
<v Speaker 5>that's just wrong. They can't do it. So with the debate,

496
00:24:55.720 --> 00:24:58.559
<v Speaker 5>there's no way Trump won. I mean, she dominated the

497
00:24:58.599 --> 00:25:01.400
<v Speaker 5>whole thing, with the exception of maybe the first minute

498
00:25:01.480 --> 00:25:03.839
<v Speaker 5>or two. In the last two minutes, I thought he

499
00:25:03.880 --> 00:25:06.759
<v Speaker 5>did a lot better. But other than that, she sandwiched

500
00:25:06.839 --> 00:25:09.119
<v Speaker 5>him in between and killed him. But here's the deal,

501
00:25:09.319 --> 00:25:12.000
<v Speaker 5>it doesn't even matter. It was three on one. It

502
00:25:12.039 --> 00:25:13.000
<v Speaker 5>was a dirty trick.

503
00:25:14.440 --> 00:25:17.000
<v Speaker 2>Anyway, we got more coming up. You saw Marky there.

504
00:25:17.000 --> 00:25:18.680
<v Speaker 2>I was a little late on the trigger, but I'm

505
00:25:18.720 --> 00:25:22.079
<v Speaker 2>getting better at it doing this YouTube directing. Some of

506
00:25:22.119 --> 00:25:25.319
<v Speaker 2>it's automatic. So anyway, give us a call if you

507
00:25:25.319 --> 00:25:27.200
<v Speaker 2>have a problem, question or complaint. We'll be right back

508
00:25:27.200 --> 00:25:28.640
<v Speaker 2>with more. And I want to tell you about Frankrand

509
00:25:28.680 --> 00:25:32.039
<v Speaker 2>therealestate man dot com. People right now are wondering should

510
00:25:32.039 --> 00:25:33.119
<v Speaker 2>I sell, should I not sell?

511
00:25:33.119 --> 00:25:34.799
<v Speaker 4>What can I get for the house? What will I net?

512
00:25:34.799 --> 00:25:35.519
<v Speaker 4>What can I buy?

513
00:25:35.920 --> 00:25:39.079
<v Speaker 2>And now with the new commission structure, meaning that there

514
00:25:39.079 --> 00:25:42.240
<v Speaker 2>are no set commissions, you can build commissions in. You

515
00:25:42.319 --> 00:25:44.799
<v Speaker 2>can have the buyer pay all of them, the seller

516
00:25:44.839 --> 00:25:46.359
<v Speaker 2>pay all them. You can do whatever you want. It's

517
00:25:46.400 --> 00:25:49.240
<v Speaker 2>all negotiable, they said to the realtory, as you can't

518
00:25:49.400 --> 00:25:51.759
<v Speaker 2>have a set price. Frank, we'll go over all of

519
00:25:51.799 --> 00:25:56.559
<v Speaker 2>that with you. And yes, he negotiates everything, especially if

520
00:25:56.559 --> 00:25:58.240
<v Speaker 2>you use them both for the buying and the selling.

521
00:25:58.279 --> 00:26:01.480
<v Speaker 2>He's a great person and I'll do this free evaluation

522
00:26:01.559 --> 00:26:04.599
<v Speaker 2>three oh three nine two zero sixteen twenty two Frank

523
00:26:04.680 --> 00:26:12.480
<v Speaker 2>durand homes dot com go with a sure thing Denver's

524
00:26:12.519 --> 00:26:15.440
<v Speaker 2>Best Roofer Excel roofing dot Com. You don't pay a

525
00:26:15.519 --> 00:26:21.440
<v Speaker 2>cent until you're content than time for an insurance check

526
00:26:21.519 --> 00:26:25.519
<v Speaker 2>up free no obligation. Comparison call Compass Insurance paying too

527
00:26:25.599 --> 00:26:28.680
<v Speaker 2>much your coverage at dozens of insurance companies find out

528
00:26:28.680 --> 00:26:31.240
<v Speaker 2>now three oh three seven seven to one. Help You'll

529
00:26:31.240 --> 00:26:33.960
<v Speaker 2>think you're his only customer when you choose Frank durand

530
00:26:34.000 --> 00:26:36.440
<v Speaker 2>the real estate Man dot com to list your home

531
00:26:36.640 --> 00:26:39.799
<v Speaker 2>with Remax Alliance three oh three nine two zero sixteen

532
00:26:39.880 --> 00:26:46.319
<v Speaker 2>twenty two. Hi Tom Martino, here your troubleshooter. Eight eight

533
00:26:46.359 --> 00:26:49.400
<v Speaker 2>eight Heating dot Com for honesty and integrity, and I

534
00:26:49.440 --> 00:26:52.079
<v Speaker 2>talked about solar systems. They put in these high efficiency

535
00:26:52.119 --> 00:26:56.160
<v Speaker 2>electric heat pumps or hybrid furnaces. They specialize in that

536
00:26:56.200 --> 00:27:00.000
<v Speaker 2>they do a great job. Eight eight eight Heating dot Com.

537
00:27:00.039 --> 00:27:02.079
<v Speaker 2>Garrett and the Boys You'll love three h three seven

538
00:27:02.160 --> 00:27:05.359
<v Speaker 2>seven zero two seven seven six. All right, Deputy Bow

539
00:27:05.519 --> 00:27:08.880
<v Speaker 2>has a follow up? I believe. Let me get this

540
00:27:08.960 --> 00:27:12.480
<v Speaker 2>feed people. Uh we got deputy is Deputy Bow on camera?

541
00:27:12.519 --> 00:27:13.720
<v Speaker 2>There is he there or not?

542
00:27:14.279 --> 00:27:16.079
<v Speaker 6>I'm here, Tom, Okay.

543
00:27:15.799 --> 00:27:18.079
<v Speaker 4>Get you get have Mark turn that camera? Oh yeah,

544
00:27:18.160 --> 00:27:19.720
<v Speaker 4>I'm gonna walk around with his camera.

545
00:27:19.960 --> 00:27:20.920
<v Speaker 6>I don't need pictures.

546
00:27:21.160 --> 00:27:23.000
<v Speaker 2>Oh is that him in the background there?

547
00:27:23.240 --> 00:27:25.839
<v Speaker 4>Wait here, wait, wave at me, bro wave at me.

548
00:27:25.920 --> 00:27:27.839
<v Speaker 2>Okay, that's you. Okay, go ahead now I'm going to

549
00:27:27.960 --> 00:27:29.000
<v Speaker 2>keep you up while you're talking.

550
00:27:29.039 --> 00:27:31.880
<v Speaker 6>Go ahead, okay. A small follow up.

551
00:27:32.079 --> 00:27:37.359
<v Speaker 12>This is on Eric that called on August fourteenth in

552
00:27:37.519 --> 00:27:38.839
<v Speaker 12>eleven o'clock hour.

553
00:27:39.599 --> 00:27:40.839
<v Speaker 2>What was his name? Eric?

554
00:27:41.200 --> 00:27:41.400
<v Speaker 6>Eric?

555
00:27:41.559 --> 00:27:42.720
<v Speaker 12>Yeah, he was getting.

556
00:27:44.359 --> 00:27:46.000
<v Speaker 6>Problems at King Supers.

557
00:27:46.039 --> 00:27:50.559
<v Speaker 2>He was oh no, no, no, no, no, no. You're

558
00:27:50.599 --> 00:27:53.960
<v Speaker 2>talking about the guy that was called a racist, right, anyone,

559
00:27:54.119 --> 00:27:57.440
<v Speaker 2>that's a big story. That guy said that. This white

560
00:27:57.480 --> 00:28:00.119
<v Speaker 2>clerk said, I ain't wait oh wait no, no, he

561
00:28:00.200 --> 00:28:02.279
<v Speaker 2>wasn't a racist. She was right, he said. He went

562
00:28:02.319 --> 00:28:04.119
<v Speaker 2>and asked her to picked some cigarettes out of the

563
00:28:04.319 --> 00:28:07.359
<v Speaker 2>She was up at the god booth there and he said,

564
00:28:07.359 --> 00:28:09.799
<v Speaker 2>can I have some cigarettes? She goes, no, ask so

565
00:28:09.839 --> 00:28:13.079
<v Speaker 2>and so who's a black man? Because I'm racist? And

566
00:28:13.119 --> 00:28:16.039
<v Speaker 2>he claimed that she treats them like crap, and they

567
00:28:16.079 --> 00:28:18.720
<v Speaker 2>all treat them like crap because they're racist.

568
00:28:18.799 --> 00:28:23.799
<v Speaker 12>Go ahead, right, And he was selling burritos outside these and.

569
00:28:23.759 --> 00:28:25.480
<v Speaker 4>They told him he can't do that. He was just

570
00:28:25.720 --> 00:28:28.000
<v Speaker 4>very upset. Look at I'm not going to belittle what

571
00:28:28.039 --> 00:28:28.480
<v Speaker 4>he's saying.

572
00:28:28.559 --> 00:28:33.480
<v Speaker 2>He said, that they are treating him bad because he's black.

573
00:28:34.039 --> 00:28:35.359
<v Speaker 12>Right down the bottom line.

574
00:28:35.400 --> 00:28:38.519
<v Speaker 6>I think it was just a rude comment.

575
00:28:38.720 --> 00:28:41.400
<v Speaker 2>But he was I thought it was. People said it

576
00:28:41.440 --> 00:28:49.720
<v Speaker 2>was sarcastic comment, meaning that I thought meaning he apparently

577
00:28:50.279 --> 00:28:53.359
<v Speaker 2>called her racist before or thinks she's racist. So when

578
00:28:53.400 --> 00:28:56.799
<v Speaker 2>he asked her to get cigarettes, I think what happened

579
00:28:56.920 --> 00:28:59.079
<v Speaker 2>was she was kind of pissed at him anyway and said, no,

580
00:28:59.240 --> 00:29:03.720
<v Speaker 2>ask so and so, who is another clerk? Let Glennard

581
00:29:03.759 --> 00:29:08.759
<v Speaker 2>help you. I'm racist, And then that's what's it. Then

582
00:29:08.799 --> 00:29:12.000
<v Speaker 2>he also said he had four stage cancer in his

583
00:29:12.119 --> 00:29:14.799
<v Speaker 2>prostate colon, lung and brain, which right.

584
00:29:14.720 --> 00:29:17.160
<v Speaker 12>The only thing I was concerned about him is that

585
00:29:17.440 --> 00:29:19.440
<v Speaker 12>he said on the air that they banned him from

586
00:29:19.440 --> 00:29:22.119
<v Speaker 12>the store. And I was concerned about the guy with

587
00:29:22.200 --> 00:29:24.519
<v Speaker 12>this answer that he couldn't go into the pharmacy.

588
00:29:24.839 --> 00:29:25.480
<v Speaker 2>What about it?

589
00:29:25.680 --> 00:29:30.240
<v Speaker 12>So I called the manager down onto the administrative offices

590
00:29:30.400 --> 00:29:33.039
<v Speaker 12>just see if they had comment on it. And wouldn't

591
00:29:33.079 --> 00:29:36.960
<v Speaker 12>do it. So I drove out to that Stapleton store. Yeah,

592
00:29:36.960 --> 00:29:38.839
<v Speaker 12>and I just talked to one of the officers. I

593
00:29:38.839 --> 00:29:40.440
<v Speaker 12>think it was a Denver police officer.

594
00:29:40.880 --> 00:29:41.440
<v Speaker 6>They knew him.

595
00:29:41.480 --> 00:29:45.319
<v Speaker 12>All I wanted to find out is old grumpy Eric

596
00:29:45.559 --> 00:29:48.960
<v Speaker 12>allowed to go into the store and get his drugs

597
00:29:49.000 --> 00:29:52.000
<v Speaker 12>for his chemotherapy, and he is, he is allowed to

598
00:29:52.039 --> 00:29:54.880
<v Speaker 12>go into the store. So if he's listening, I know

599
00:29:54.960 --> 00:29:57.440
<v Speaker 12>he knows that he's allowed, but he's sat on the

600
00:29:57.440 --> 00:29:59.400
<v Speaker 12>air that he was totally banned from the store.

601
00:29:59.480 --> 00:30:00.920
<v Speaker 6>And that's not true.

602
00:30:01.200 --> 00:30:03.440
<v Speaker 2>Okay, that's all I have, and I think we well,

603
00:30:03.440 --> 00:30:06.119
<v Speaker 2>that's good. No, No, that's good because that was the

604
00:30:06.119 --> 00:30:10.319
<v Speaker 2>one thing we were concerned about bo that you know

605
00:30:10.359 --> 00:30:12.359
<v Speaker 2>he was he kept claiming he couldn't go there to

606
00:30:12.359 --> 00:30:14.240
<v Speaker 2>get his meds. Of course, I said, go anywhere else?

607
00:30:14.240 --> 00:30:14.920
<v Speaker 2>Who cares, right, I.

608
00:30:14.920 --> 00:30:15.480
<v Speaker 6>Mean he couldn't.

609
00:30:15.519 --> 00:30:16.319
<v Speaker 2>He can't drive.

610
00:30:16.359 --> 00:30:18.920
<v Speaker 12>And I get apparently that Stapleton store is only a

611
00:30:18.960 --> 00:30:22.079
<v Speaker 12>few blocks from where he lives, so he can go

612
00:30:22.160 --> 00:30:24.359
<v Speaker 12>into the store and get his droughts.

613
00:30:24.680 --> 00:30:27.160
<v Speaker 2>Mark, how do we answer this one? Since you handle

614
00:30:27.160 --> 00:30:32.319
<v Speaker 2>all this stuff? It says we love listening to podcasts

615
00:30:32.359 --> 00:30:36.640
<v Speaker 2>and we're one of the many thousands that downloaded. And

616
00:30:36.759 --> 00:30:38.680
<v Speaker 2>I get this a lot, Mark, I get this from

617
00:30:38.680 --> 00:30:40.359
<v Speaker 2>all over the country. I mean, we're one of the

618
00:30:40.359 --> 00:30:44.440
<v Speaker 2>top downloaded shows. But here's what I hear. Who the

619
00:30:44.559 --> 00:30:51.000
<v Speaker 2>hell inserts the commercials in the podcast. They're haphazard. Sometimes

620
00:30:51.000 --> 00:30:53.359
<v Speaker 2>they come in the middle of a sentence. Now, so

621
00:30:53.480 --> 00:30:56.160
<v Speaker 2>there's different ones. We insert a few commercials.

622
00:30:56.440 --> 00:31:01.200
<v Speaker 5>The ones we do were Compass, Frank Duran and somebody

623
00:31:01.200 --> 00:31:04.240
<v Speaker 5>ouse I forget offhand, but those are really quick. They're

624
00:31:04.279 --> 00:31:07.279
<v Speaker 5>like ten second spots and they run together and they're

625
00:31:07.359 --> 00:31:08.599
<v Speaker 5>inserted willy nilly.

626
00:31:08.799 --> 00:31:09.480
<v Speaker 4>But who cares.

627
00:31:10.000 --> 00:31:15.160
<v Speaker 5>The problem is anybody that uploads it to different places

628
00:31:15.519 --> 00:31:18.880
<v Speaker 5>they insert their own commercials, So by the time someone

629
00:31:19.039 --> 00:31:22.400
<v Speaker 5>actually listens to the show, there could be one hundred

630
00:31:22.400 --> 00:31:26.119
<v Speaker 5>commercials put in there by numerous different people. That's generally

631
00:31:26.160 --> 00:31:31.240
<v Speaker 5>how it works. Okay, okay, so we insert some, then

632
00:31:31.279 --> 00:31:35.839
<v Speaker 5>iHeart inserts some and then give me one. Spotify then

633
00:31:35.880 --> 00:31:39.960
<v Speaker 5>insert some Apple Music, then inserts some Wherever you're listening

634
00:31:40.000 --> 00:31:43.799
<v Speaker 5>to it, they insert their own commercials. iHeart inserts their

635
00:31:43.839 --> 00:31:47.799
<v Speaker 5>own commercials. We insert our own commercials. So depending on

636
00:31:47.839 --> 00:31:51.240
<v Speaker 5>how you listen to it, you might get ten commercials

637
00:31:51.359 --> 00:31:52.519
<v Speaker 5>or you might get fifty.

638
00:31:53.039 --> 00:31:56.160
<v Speaker 2>God man, but there's nothing we can do about the placement?

639
00:31:56.200 --> 00:31:56.799
<v Speaker 9>Is nothing?

640
00:31:56.839 --> 00:31:58.960
<v Speaker 4>Of course enough? All right?

641
00:31:59.000 --> 00:32:01.160
<v Speaker 2>That was Mark? And isn't it nice to see to

642
00:32:01.359 --> 00:32:03.319
<v Speaker 2>both people? I can go back and forth here I am.

643
00:32:03.480 --> 00:32:05.799
<v Speaker 5>I gotta figure out where to put that camera in here? Though,

644
00:32:05.920 --> 00:32:07.559
<v Speaker 5>I think I'm gonna put it where the old one

645
00:32:07.640 --> 00:32:10.039
<v Speaker 5>used to be. But here's the problem. This is gonna

646
00:32:10.079 --> 00:32:10.680
<v Speaker 5>work out wrong.

647
00:32:10.759 --> 00:32:15.559
<v Speaker 2>Yeah yeah, hello, yeah, I said put it where the

648
00:32:15.599 --> 00:32:16.240
<v Speaker 2>sun don't shine?

649
00:32:16.279 --> 00:32:19.519
<v Speaker 4>Oh yeah, well that's funny. Okay, here's what I think.

650
00:32:19.599 --> 00:32:20.079
<v Speaker 4>Where is that?

651
00:32:20.160 --> 00:32:22.240
<v Speaker 5>Where is where does the suddenly I don't know that's

652
00:32:22.240 --> 00:32:24.400
<v Speaker 5>the same. How do you know the sun doesn't shine

653
00:32:24.400 --> 00:32:27.240
<v Speaker 5>on my ass? Well, first of all, no one said

654
00:32:27.240 --> 00:32:30.160
<v Speaker 5>it was your ass. Oh hold on, we got a little,

655
00:32:30.519 --> 00:32:32.799
<v Speaker 5>we got the survey up. Does the feed look better

656
00:32:32.839 --> 00:32:35.480
<v Speaker 5>since Tom took it over? Okay, let's see.

657
00:32:35.720 --> 00:32:38.839
<v Speaker 2>Yeah, well it's not overwhelming, but it's it's I got

658
00:32:38.880 --> 00:32:39.440
<v Speaker 2>a majority.

659
00:32:39.640 --> 00:32:42.519
<v Speaker 5>Come on, how can you say no? Then they're gonna

660
00:32:42.519 --> 00:32:44.279
<v Speaker 5>love it when all of a sudden it doesn't work.

661
00:32:45.000 --> 00:32:48.559
<v Speaker 2>Well, that could happen to anyone, right, Okay, Yes, more

662
00:32:48.559 --> 00:32:51.359
<v Speaker 2>coming up on the Troubleshooter Show. Stay tuned and we

663
00:32:51.480 --> 00:32:55.319
<v Speaker 2>have a lot of excitement. We're gonna give my best

664
00:32:55.359 --> 00:33:04.400
<v Speaker 2>dog and cat recipe right after this. Go with a

665
00:33:04.440 --> 00:33:08.000
<v Speaker 2>sure thing Denver's Best roofer Excel Roofing dot com. You

666
00:33:08.039 --> 00:33:13.799
<v Speaker 2>don't pay a cent until you're contenth time for an

667
00:33:13.799 --> 00:33:18.039
<v Speaker 2>insurance check up free no obligation comparison call Compass Insurance

668
00:33:18.200 --> 00:33:21.240
<v Speaker 2>paying too much your coverage at dozens of insurance companies

669
00:33:21.319 --> 00:33:23.920
<v Speaker 2>find out now three all three seven seven to one help.

670
00:33:24.079 --> 00:33:26.720
<v Speaker 2>You'll think you're his only customer when you choose Frank

671
00:33:26.759 --> 00:33:29.200
<v Speaker 2>durand the real estate man dot com to list your

672
00:33:29.240 --> 00:33:32.359
<v Speaker 2>home with Remax Alliance three all three nine two zero

673
00:33:32.519 --> 00:33:39.119
<v Speaker 2>sixteen twenty two. Hi Tom Martino here three oh three

674
00:33:39.960 --> 00:33:43.359
<v Speaker 2>seven one three talk three O three seven one three

675
00:33:43.440 --> 00:33:46.640
<v Speaker 2>eight two five five. Uh, you got Mark over there

676
00:33:46.640 --> 00:33:49.319
<v Speaker 2>in the studio. Bo I trust you got all the

677
00:33:49.319 --> 00:33:54.599
<v Speaker 2>the uh updates. Here's some texts, Now, I have texts.

678
00:33:54.680 --> 00:33:56.880
<v Speaker 2>Here's where I get texts five seven seven three nine

679
00:33:56.920 --> 00:34:01.119
<v Speaker 2>is the iHeart app? And then I have the calls,

680
00:34:01.480 --> 00:34:05.920
<v Speaker 2>the uh, the uh uh Google thing seven four seven

681
00:34:06.000 --> 00:34:12.440
<v Speaker 2>nine nine. And here's one that says Tom, if I

682
00:34:12.559 --> 00:34:15.599
<v Speaker 2>was hiring a nanny to watch my kids, it wouldn't

683
00:34:15.599 --> 00:34:22.280
<v Speaker 2>be Trump. But he's the best for running the country

684
00:34:22.800 --> 00:34:27.559
<v Speaker 2>and cleaning out the swamp. Anyway. There's a lot of

685
00:34:27.559 --> 00:34:30.639
<v Speaker 2>other stuff too. I'm putting a few together. I'll read

686
00:34:30.760 --> 00:34:34.280
<v Speaker 2>coming back. Plus, we're solving your problems, answering questions and

687
00:34:34.360 --> 00:34:39.360
<v Speaker 2>taking complaints on The Troubleshooter Show. Go with a sure

688
00:34:39.440 --> 00:34:42.880
<v Speaker 2>thing Denver's Best roofer Excel Roofing dot com. You don't

689
00:34:42.880 --> 00:34:48.880
<v Speaker 2>pay a cent until you're contenth time for an insurance

690
00:34:49.000 --> 00:34:53.280
<v Speaker 2>checkup free no obligation comparison call Compass Insurance paying too

691
00:34:53.360 --> 00:34:56.400
<v Speaker 2>much your coverage at dozens of insurance companies find out

692
00:34:56.440 --> 00:34:58.599
<v Speaker 2>now three all three seven to seven to one help.

693
00:34:58.719 --> 00:35:01.360
<v Speaker 2>You'll think you're his only customer when you choose Frank

694
00:35:01.440 --> 00:35:03.880
<v Speaker 2>durand the real estate Man dot com to list your

695
00:35:03.920 --> 00:35:07.039
<v Speaker 2>home with Remax Alliance three all three nine two zero

696
00:35:07.199 --> 00:35:14.360
<v Speaker 2>sixteen twenty two. Yeah, ripped.

697
00:35:15.960 --> 00:35:18.119
<v Speaker 1>New need advice?

698
00:35:18.159 --> 00:35:18.960
<v Speaker 3>Who you don't have?

699
00:35:21.199 --> 00:35:26.199
<v Speaker 1>Come running just as fast as we can. Shooter's gonna help.

700
00:35:26.480 --> 00:35:31.079
<v Speaker 4>Come man, This is the Troubleshooter Show.

701
00:35:31.159 --> 00:35:37.280
<v Speaker 2>Now Tom Martino, Hi, Tom Martino, Your Troubleshooter three O

702
00:35:37.400 --> 00:35:40.199
<v Speaker 2>three seven one three talk three all three seven one

703
00:35:40.239 --> 00:35:43.199
<v Speaker 2>three eight two five five. Let me get rid of

704
00:35:43.199 --> 00:35:47.119
<v Speaker 2>that zoom one and make a better one. So we're trying.

705
00:35:47.400 --> 00:35:52.400
<v Speaker 2>We're trying, folks. Our feed is UH is h new

706
00:35:52.920 --> 00:35:56.400
<v Speaker 2>new software and UH if you're tuning into the YouTube stream,

707
00:35:56.480 --> 00:35:59.599
<v Speaker 2>it's just a little, a little some growing pains. By

708
00:35:59.639 --> 00:36:01.599
<v Speaker 2>the way, Welcome to the show. No kidding around. We

709
00:36:01.920 --> 00:36:07.519
<v Speaker 2>are solving problems, answering questions, and taking complaints. And Compass

710
00:36:07.519 --> 00:36:12.159
<v Speaker 2>Insurance reports that yesterday they had a tremendous, tremendous amount

711
00:36:12.400 --> 00:36:17.159
<v Speaker 2>of response to the insurance Help Center. You can always

712
00:36:17.159 --> 00:36:20.480
<v Speaker 2>get free quotes and if you're if you have a

713
00:36:20.519 --> 00:36:20.960
<v Speaker 2>great deal.

714
00:36:21.000 --> 00:36:22.159
<v Speaker 4>Wouldn't even want to know that.

715
00:36:23.039 --> 00:36:26.079
<v Speaker 2>The Insurance help Center dot Com through a three nine

716
00:36:26.159 --> 00:36:29.960
<v Speaker 2>nine six nine thousand. So we were discussing a number

717
00:36:30.000 --> 00:36:36.519
<v Speaker 2>of things and this stat came out that I think

718
00:36:37.559 --> 00:36:42.599
<v Speaker 2>you won't find surprising. College kids are the number one

719
00:36:42.840 --> 00:36:50.800
<v Speaker 2>victims of scams during the back to school season. College students,

720
00:36:50.840 --> 00:36:54.920
<v Speaker 2>not high school college students. As they return to campuses,

721
00:36:57.079 --> 00:37:00.360
<v Speaker 2>they are being hit up for all kinds of credit cards, words,

722
00:37:01.000 --> 00:37:10.119
<v Speaker 2>business scams, influencer schemes online especially TikTok, and those with

723
00:37:10.239 --> 00:37:13.400
<v Speaker 2>the ads a lot of them are ripping them off

724
00:37:14.199 --> 00:37:15.079
<v Speaker 2>getting information.

725
00:37:15.159 --> 00:37:19.880
<v Speaker 4>They're also being targeted. I'm just going to say it.

726
00:37:19.960 --> 00:37:24.039
<v Speaker 2>This article and a few articles I read don't say it.

727
00:37:24.039 --> 00:37:25.719
<v Speaker 4>It's because they're stupid.

728
00:37:26.360 --> 00:37:30.480
<v Speaker 2>When it comes to everyday life. We do not have

729
00:37:31.239 --> 00:37:34.159
<v Speaker 2>an educational system that prepares people for life.

730
00:37:34.800 --> 00:37:37.840
<v Speaker 4>It prepares them for academics and.

731
00:37:37.800 --> 00:37:44.760
<v Speaker 2>Not for life. Not for life, you know. I imagine as

732
00:37:44.800 --> 00:37:48.880
<v Speaker 2>you get into your specialty, if you went to graduate school,

733
00:37:48.920 --> 00:37:52.559
<v Speaker 2>post secondary postgraduate like being a doctor, I don't know,

734
00:37:53.960 --> 00:37:58.400
<v Speaker 2>deputy doc. If you remember back then, did medical school

735
00:37:58.559 --> 00:38:02.280
<v Speaker 2>actually teach you the finer art of dealing with patients?

736
00:38:02.280 --> 00:38:03.920
<v Speaker 2>Did you take psychology courses?

737
00:38:03.960 --> 00:38:04.000
<v Speaker 9>No?

738
00:38:04.159 --> 00:38:05.280
<v Speaker 6>Seriously, no they did.

739
00:38:05.440 --> 00:38:07.280
<v Speaker 2>No, No, I didn't know that, so they really did. They

740
00:38:07.400 --> 00:38:09.159
<v Speaker 2>talked about when you deal with a patient?

741
00:38:09.159 --> 00:38:09.639
<v Speaker 4>What course?

742
00:38:10.000 --> 00:38:11.440
<v Speaker 6>I mean, No, I didn't know that.

743
00:38:11.559 --> 00:38:14.239
<v Speaker 7>You learn how to deal with patients, how to interview them,

744
00:38:14.360 --> 00:38:15.679
<v Speaker 7>how to take a history.

745
00:38:16.159 --> 00:38:18.840
<v Speaker 2>Obviously you need to know that they try to impart

746
00:38:18.960 --> 00:38:23.039
<v Speaker 2>some empathy to you or oh your house, okay.

747
00:38:22.800 --> 00:38:26.559
<v Speaker 7>And how take a history from a patient? And you know,

748
00:38:27.000 --> 00:38:30.239
<v Speaker 7>of course, and that's been getting more and more as

749
00:38:30.360 --> 00:38:31.199
<v Speaker 7>time passes.

750
00:38:31.960 --> 00:38:33.800
<v Speaker 6>You know, we may have been ten percent.

751
00:38:34.079 --> 00:38:37.920
<v Speaker 7>It's probably up to fifty percent now because medical schools

752
00:38:37.920 --> 00:38:40.960
<v Speaker 7>will becoming more and more aware that you need that skill.

753
00:38:43.119 --> 00:38:46.159
<v Speaker 2>Very good now, by the way, you can call three

754
00:38:46.199 --> 00:38:49.519
<v Speaker 2>h three Martino three oh three six two seven eight

755
00:38:49.559 --> 00:38:54.639
<v Speaker 2>four sixty six. Here's the point when when college students

756
00:38:55.400 --> 00:38:59.760
<v Speaker 2>hit the road for college, they look for ways to

757
00:38:59.800 --> 00:39:02.599
<v Speaker 2>make money. A lot of them are looking for passive

758
00:39:02.639 --> 00:39:05.920
<v Speaker 2>income or income that doesn't take a lot of work.

759
00:39:06.119 --> 00:39:08.480
<v Speaker 2>Does that sound familiar. I don't know if it's lazy,

760
00:39:08.559 --> 00:39:11.079
<v Speaker 2>but they feel they can make big money, and they're

761
00:39:11.400 --> 00:39:15.920
<v Speaker 2>being signed up to do secret shopping or to take

762
00:39:16.039 --> 00:39:20.159
<v Speaker 2>surveys and supposedly it pays. Many of them are downloading

763
00:39:20.360 --> 00:39:25.480
<v Speaker 2>apps that tell you can win money playing games. Solitaire,

764
00:39:26.400 --> 00:39:28.360
<v Speaker 2>all kinds of games. That's just one of them, but

765
00:39:28.639 --> 00:39:30.960
<v Speaker 2>a lot of them are skill games and they say

766
00:39:30.960 --> 00:39:34.159
<v Speaker 2>you're going to make money, and a lot of the

767
00:39:34.320 --> 00:39:38.280
<v Speaker 2>they're just getting their faces ripped off they're signing up,

768
00:39:38.440 --> 00:39:43.840
<v Speaker 2>and it's amazing to me. It's totally amazing to me

769
00:39:44.400 --> 00:39:48.159
<v Speaker 2>how they're being ripped and how they're being taken advantage of.

770
00:39:48.920 --> 00:39:55.440
<v Speaker 2>There's almost there's almost none of them that are true. Hey,

771
00:39:56.079 --> 00:39:58.920
<v Speaker 2>surveys and secret shoppings. I just want to warn me

772
00:40:00.000 --> 00:40:01.920
<v Speaker 2>how many don't exist. Or they take your money and

773
00:40:01.960 --> 00:40:03.519
<v Speaker 2>say they're going to sign you up, go ahead, whoever

774
00:40:03.559 --> 00:40:03.679
<v Speaker 2>you go.

775
00:40:03.960 --> 00:40:05.519
<v Speaker 7>I looked up one of those games where you can

776
00:40:05.559 --> 00:40:10.280
<v Speaker 7>win money, and just out of kicks, I won fourteen cents.

777
00:40:11.679 --> 00:40:12.840
<v Speaker 6>By playing with Delitaire.

778
00:40:13.719 --> 00:40:17.480
<v Speaker 2>By the way, did you see those ads they talk

779
00:40:17.559 --> 00:40:19.760
<v Speaker 2>about hundreds of dollars a day.

780
00:40:19.880 --> 00:40:22.000
<v Speaker 4>Oh yeah, and then you have to pay.

781
00:40:22.000 --> 00:40:24.119
<v Speaker 2>What I didn't understand is you have to put money

782
00:40:24.119 --> 00:40:25.960
<v Speaker 2>on deposit and pay for each game.

783
00:40:26.159 --> 00:40:28.679
<v Speaker 7>Well unless you do the free ones where you can

784
00:40:28.719 --> 00:40:29.960
<v Speaker 7>win fourteen cents.

785
00:40:31.519 --> 00:40:36.159
<v Speaker 4>And here's the deal. I mean, no one makes money.

786
00:40:36.320 --> 00:40:39.360
<v Speaker 2>I don't care what they say they interview these people supposedly,

787
00:40:39.880 --> 00:40:42.000
<v Speaker 2>you know on these ads that you have to watch

788
00:40:42.079 --> 00:40:45.400
<v Speaker 2>in between. I hate these games where it's so hard

789
00:40:45.400 --> 00:40:47.119
<v Speaker 2>to get to the game. You got to watch ad

790
00:40:47.119 --> 00:40:50.239
<v Speaker 2>after ad after I'd rather just pay for the damn game.

791
00:40:50.440 --> 00:40:53.840
<v Speaker 2>But even when you pay for it, you still have

792
00:40:53.920 --> 00:40:57.440
<v Speaker 2>to watch ads. There's nothing free, and a lot of

793
00:40:57.480 --> 00:41:00.320
<v Speaker 2>them now, even when you pay for no ad ads.

794
00:41:00.639 --> 00:41:03.840
<v Speaker 2>There are so many in app purchases. Have you noticed

795
00:41:03.880 --> 00:41:07.559
<v Speaker 2>the latest thing with apps is you have to put

796
00:41:07.599 --> 00:41:10.119
<v Speaker 2>in a credit card. You get a three day trial

797
00:41:10.239 --> 00:41:12.280
<v Speaker 2>or a six day trial or a five day trial,

798
00:41:12.559 --> 00:41:15.480
<v Speaker 2>and then they start charging you and you have to

799
00:41:15.559 --> 00:41:19.599
<v Speaker 2>pay monthly. There are hardly any true free apps anymore

800
00:41:19.880 --> 00:41:21.079
<v Speaker 2>that are truly free.

801
00:41:21.480 --> 00:41:24.960
<v Speaker 4>So when it comes to things.

802
00:41:24.760 --> 00:41:28.119
<v Speaker 2>Like that like AI photo retouching and all of that,

803
00:41:28.440 --> 00:41:30.559
<v Speaker 2>you have to pay like four bucks a week or

804
00:41:30.760 --> 00:41:33.519
<v Speaker 2>so much a month. You can buy a yearly subscription

805
00:41:34.360 --> 00:41:37.719
<v Speaker 2>and you don't get any ads, but you have to

806
00:41:37.760 --> 00:41:40.800
<v Speaker 2>pay the other one if you get there. There are

807
00:41:40.920 --> 00:41:43.760
<v Speaker 2>none of those that offer ads for no payment. Now

808
00:41:43.760 --> 00:41:46.480
<v Speaker 2>that's where I would accept an AD during games. I

809
00:41:46.480 --> 00:41:49.800
<v Speaker 2>don't like that. But if you're getting a functional like

810
00:41:49.840 --> 00:41:53.239
<v Speaker 2>they have a fitness app for your phone, it's really incredible.

811
00:41:53.280 --> 00:41:55.360
<v Speaker 4>It really does work well where the.

812
00:41:55.360 --> 00:42:00.239
<v Speaker 2>Sensors will sense your pulse and they say it read

813
00:42:00.239 --> 00:42:03.199
<v Speaker 2>blood sugar. I don't know how that's even possible even

814
00:42:03.239 --> 00:42:06.239
<v Speaker 2>without a U unless you have one of the USB readers.

815
00:42:06.440 --> 00:42:08.880
<v Speaker 2>They have some of those glucose readers that you plug

816
00:42:08.920 --> 00:42:11.880
<v Speaker 2>into the bottom of your phone here and it will

817
00:42:12.000 --> 00:42:18.320
<v Speaker 2>give you a certain amount of blood measurement. But doc,

818
00:42:18.360 --> 00:42:21.280
<v Speaker 2>I don't know if you've seen those apps. They're incredible apps,

819
00:42:21.440 --> 00:42:23.480
<v Speaker 2>but they cost a lot of money. I mean, you

820
00:42:23.559 --> 00:42:26.480
<v Speaker 2>have to. You have to pay monthly for those suckers,

821
00:42:26.840 --> 00:42:31.599
<v Speaker 2>or you're not going to get anywhere. So in any case,

822
00:42:31.800 --> 00:42:36.639
<v Speaker 2>let me go to this one text. It says Kamala

823
00:42:36.679 --> 00:42:41.760
<v Speaker 2>was wearing audio earrings and getting coached. Now, come on,

824
00:42:42.519 --> 00:42:47.440
<v Speaker 2>where did you read that audio earrings? Somebody else says,

825
00:42:47.719 --> 00:42:54.199
<v Speaker 2>have you noticed that Trump was not as yellow and

826
00:42:54.239 --> 00:42:58.719
<v Speaker 2>his hair was not as bleached. Anybody know that. Anybody

827
00:42:58.760 --> 00:43:01.800
<v Speaker 2>see that. All of the articles are saying that Trump

828
00:43:01.880 --> 00:43:07.559
<v Speaker 2>lost and that she really proved herself. I'm not sure

829
00:43:07.599 --> 00:43:10.639
<v Speaker 2>I'm going to go that far. But she didn't do

830
00:43:10.719 --> 00:43:13.920
<v Speaker 2>what people thought. Deputy Doc said, just let her talk

831
00:43:13.960 --> 00:43:20.280
<v Speaker 2>and it'll be word salad. But it wasn't. So somebody

832
00:43:20.440 --> 00:43:23.519
<v Speaker 2>Mark said, for your camera to get rid of the sidebars.

833
00:43:23.599 --> 00:43:25.440
<v Speaker 2>Do you go landscape or are you on?

834
00:43:27.000 --> 00:43:30.079
<v Speaker 4>Are you on landscape or are you on uh wide?

835
00:43:30.800 --> 00:43:34.599
<v Speaker 2>Okay, see, I don't know. That's just the Samsung phone.

836
00:43:34.639 --> 00:43:38.280
<v Speaker 2>I guess they can't do what the Apple does? You

837
00:43:38.280 --> 00:43:40.119
<v Speaker 2>know that there's no discussion.

838
00:43:40.119 --> 00:43:42.679
<v Speaker 5>I'm sure that Apple's got a much better camera than

839
00:43:42.719 --> 00:43:44.320
<v Speaker 5>my S twenty four ultrap.

840
00:43:46.599 --> 00:43:49.039
<v Speaker 2>Here's a text Tom. As a member of the Klan,

841
00:43:49.639 --> 00:43:52.320
<v Speaker 2>I have to report that Kamal has been working with

842
00:43:52.400 --> 00:43:55.679
<v Speaker 2>us the whole time, and we're proud of the job

843
00:43:55.760 --> 00:43:59.599
<v Speaker 2>she's doing. Oh no, no, they're not Kamela. I'm sorry

844
00:43:59.679 --> 00:44:05.000
<v Speaker 2>she talked about the he's talking about the King supers oppressors. Anyway, Tom,

845
00:44:05.079 --> 00:44:07.519
<v Speaker 2>if I was voting, oh I watched this, I said

846
00:44:07.519 --> 00:44:09.719
<v Speaker 2>this and Nanny watched my children wouldn't be Trump. But

847
00:44:09.760 --> 00:44:13.000
<v Speaker 2>if I'm voting for the most powerful and for important position,

848
00:44:13.119 --> 00:44:17.960
<v Speaker 2>clearly Trump is best. Democrats think and spew that minorities

849
00:44:18.000 --> 00:44:23.039
<v Speaker 2>cannot survive without them. They panner to our differences. One

850
00:44:23.079 --> 00:44:27.199
<v Speaker 2>other text says, do you think that's the case? And

851
00:44:28.039 --> 00:44:32.400
<v Speaker 2>I know, okay, here's another one. I noticed that some

852
00:44:32.480 --> 00:44:37.559
<v Speaker 2>of my friends noticed during the debate that Camela's facial

853
00:44:37.639 --> 00:44:42.719
<v Speaker 2>expressions could have suggested she had an earpiece and was

854
00:44:42.760 --> 00:44:46.960
<v Speaker 2>taking directions. Does anyone think that you know the technology

855
00:44:47.039 --> 00:44:49.960
<v Speaker 2>is there? I mean, you could very very well have

856
00:44:50.000 --> 00:44:54.599
<v Speaker 2>an in earpiece that no one could detect. Do you

857
00:44:54.679 --> 00:44:57.559
<v Speaker 2>think that anybody would ever do that and cheat? And

858
00:44:57.599 --> 00:44:59.679
<v Speaker 2>how would they know? I mean, I don't know, how

859
00:44:59.719 --> 00:45:02.280
<v Speaker 2>would you know. Have you ever seen those little tiny

860
00:45:02.320 --> 00:45:04.079
<v Speaker 2>things that go in the air the hearing aids, Well,

861
00:45:04.079 --> 00:45:06.840
<v Speaker 2>they have bluetooth capability. Someone could talk to you all

862
00:45:06.920 --> 00:45:11.280
<v Speaker 2>day long. I often wonder if people ever do that.

863
00:45:11.679 --> 00:45:14.679
<v Speaker 13>I have only one statement about the debate last night.

864
00:45:15.000 --> 00:45:18.119
<v Speaker 13>If I could ring in as we happen go ahead,

865
00:45:19.679 --> 00:45:20.880
<v Speaker 13>it was a little bit.

866
00:45:20.719 --> 00:45:23.480
<v Speaker 2>Too rehearsed from on whose side?

867
00:45:23.639 --> 00:45:29.960
<v Speaker 13>On Kamala's side, she basically was very scripted, and it

868
00:45:30.280 --> 00:45:34.360
<v Speaker 13>just I'm not saying I'm not giving any sort of

869
00:45:35.719 --> 00:45:41.000
<v Speaker 13>nonsense into the Twitter universe that says maybe she had

870
00:45:41.000 --> 00:45:45.360
<v Speaker 13>a bug in her ear. But she sounded very rehearsed,

871
00:45:45.440 --> 00:45:48.840
<v Speaker 13>like every question was perfect. So I'm going to present

872
00:45:48.880 --> 00:45:51.360
<v Speaker 13>a different opinion. She had the questions.

873
00:45:53.320 --> 00:45:57.119
<v Speaker 2>Listen to this. No one picked up on this. No

874
00:45:57.159 --> 00:46:00.880
<v Speaker 2>one picked up on it, including the astute Mark Major,

875
00:46:00.960 --> 00:46:06.320
<v Speaker 2>Mark Major, Mark Major. And it told me the same

876
00:46:06.400 --> 00:46:10.000
<v Speaker 2>thing that Kelly just alluded to, that she knew what

877
00:46:10.079 --> 00:46:11.800
<v Speaker 2>was coming in. I'm going to tell you, why do

878
00:46:11.880 --> 00:46:14.559
<v Speaker 2>you know what phrase or clause or do you know

879
00:46:14.599 --> 00:46:19.280
<v Speaker 2>what I'm referring to? She said something to everyone. She

880
00:46:19.400 --> 00:46:22.159
<v Speaker 2>said something in the very beginning of the debate. I

881
00:46:22.239 --> 00:46:26.880
<v Speaker 2>swear to god, she gave it away that she had

882
00:46:26.920 --> 00:46:30.480
<v Speaker 2>been briefed. Think about what I want to know of

883
00:46:30.519 --> 00:46:34.559
<v Speaker 2>any of you, really, she said, In fact, I can't

884
00:46:34.559 --> 00:46:36.840
<v Speaker 2>believe I haven't brought it up yet, and I can

885
00:46:37.039 --> 00:46:39.440
<v Speaker 2>pull I can't pull the clip while I'm on the air,

886
00:46:39.440 --> 00:46:42.719
<v Speaker 2>but I will tell you she said something in the

887
00:46:42.840 --> 00:46:45.599
<v Speaker 2>very beginning. I don't know, like in the first minute

888
00:46:45.719 --> 00:46:47.800
<v Speaker 2>or so, but it was in the beginning, And I

889
00:46:47.840 --> 00:46:53.760
<v Speaker 2>thought to myself, what. I swear to you. When I

890
00:46:53.840 --> 00:46:56.519
<v Speaker 2>heard it, I said, no one picked up on this.

891
00:46:57.039 --> 00:46:59.679
<v Speaker 2>She was briefed. Do you know what I'm talking about?

892
00:46:59.679 --> 00:46:59.920
<v Speaker 6>Mark?

893
00:47:00.719 --> 00:47:04.400
<v Speaker 4>I don't know, but okay, Doc, did.

894
00:47:04.239 --> 00:47:06.360
<v Speaker 2>You hear anything that made that would have made you

895
00:47:06.400 --> 00:47:08.639
<v Speaker 2>think that YouTube morons? Did you hear anything?

896
00:47:08.719 --> 00:47:12.119
<v Speaker 6>I did not watch the bake Tom? What Tom?

897
00:47:12.239 --> 00:47:14.880
<v Speaker 12>She may have when she said brief she may have

898
00:47:14.920 --> 00:47:19.320
<v Speaker 12>been talking about she was coached well before the debate

899
00:47:19.760 --> 00:47:20.039
<v Speaker 12>was known.

900
00:47:20.159 --> 00:47:23.880
<v Speaker 2>She didn't say that. Here's what she said. Here's what

901
00:47:23.920 --> 00:47:27.000
<v Speaker 2>she said, Please try to find it. I wish I

902
00:47:27.039 --> 00:47:30.000
<v Speaker 2>would have cut it out and and made a sound bite,

903
00:47:30.239 --> 00:47:34.760
<v Speaker 2>and maybe we can do that, but but maybe somebody

904
00:47:34.800 --> 00:47:36.679
<v Speaker 2>listening or on the YouTube can do that.

905
00:47:36.920 --> 00:47:38.159
<v Speaker 4>Here here's what she said.

906
00:47:38.960 --> 00:47:41.960
<v Speaker 2>She goes, you're gonna hear this, and okay, I'm paraphrasing,

907
00:47:42.280 --> 00:47:44.039
<v Speaker 2>but I swear to god it was something like this.

908
00:47:44.119 --> 00:47:45.840
<v Speaker 4>You're gonna hear a lot of things tonight.

909
00:47:45.880 --> 00:47:49.199
<v Speaker 2>In fact, he's going to bring up immigration all night long,

910
00:47:49.320 --> 00:47:52.480
<v Speaker 2>or something about open board or something. And that's not

911
00:47:52.599 --> 00:47:56.920
<v Speaker 2>even part of our topic. Even though there or she said,

912
00:47:56.960 --> 00:47:59.559
<v Speaker 2>even though there will be no questions about it, he'll

913
00:47:59.559 --> 00:48:03.440
<v Speaker 2>bring it up anyway. I swear to you. She it

914
00:48:03.519 --> 00:48:08.480
<v Speaker 2>was something like that about immigration. Please look at it.

915
00:48:08.599 --> 00:48:11.519
<v Speaker 2>She said something about Trump is going to talk about

916
00:48:11.920 --> 00:48:16.840
<v Speaker 2>immigration even though it's not part of something or even

917
00:48:16.920 --> 00:48:20.599
<v Speaker 2>if he's not asked about it. Something that just made

918
00:48:20.679 --> 00:48:25.079
<v Speaker 2>me think right away, what, how does she know what

919
00:48:25.199 --> 00:48:26.719
<v Speaker 2>we will be talking about?

920
00:48:27.679 --> 00:48:30.199
<v Speaker 4>She didn't say what. She didn't say, He's going.

921
00:48:30.159 --> 00:48:32.679
<v Speaker 2>To bring it up no matter what you ask She

922
00:48:32.920 --> 00:48:34.679
<v Speaker 2>says he's going to bring it up even though it's

923
00:48:34.719 --> 00:48:39.079
<v Speaker 2>not part of tonight's discussion, something like that, something like that.

924
00:48:39.119 --> 00:48:41.079
<v Speaker 2>Did anyone hear that? I did?

925
00:48:41.760 --> 00:48:43.039
<v Speaker 6>And that's why I say.

926
00:48:44.400 --> 00:48:44.440
<v Speaker 9>It.

927
00:48:44.920 --> 00:48:45.760
<v Speaker 2>Did anyone hear that?

928
00:48:46.400 --> 00:48:48.800
<v Speaker 5>I know what you're talking about now that you described it,

929
00:48:48.840 --> 00:48:51.760
<v Speaker 5>but I kind of disagree with the context of it.

930
00:48:52.320 --> 00:48:58.320
<v Speaker 2>Let's maybe I'm I really think though I heard that,

931
00:48:58.480 --> 00:49:00.800
<v Speaker 2>like something about even though it's not going to be

932
00:49:00.880 --> 00:49:03.559
<v Speaker 2>part of the questions or even if he's not asked

933
00:49:03.599 --> 00:49:04.519
<v Speaker 2>about it or something.

934
00:49:05.320 --> 00:49:08.199
<v Speaker 4>And that's what's really strange when she.

935
00:49:08.280 --> 00:49:10.280
<v Speaker 2>Said that, and damn it during your break, I'm going

936
00:49:10.360 --> 00:49:12.280
<v Speaker 2>to try to find it, because I swear to you

937
00:49:12.639 --> 00:49:17.440
<v Speaker 2>that I think she had she has some kind of information.

938
00:49:17.920 --> 00:49:21.000
<v Speaker 2>Do you think campaigns, well, we know Nixon had spies.

939
00:49:21.320 --> 00:49:24.559
<v Speaker 2>Do you think campaigns have spies though, and I don't

940
00:49:24.559 --> 00:49:26.360
<v Speaker 2>mean evil spies that break.

941
00:49:26.239 --> 00:49:27.599
<v Speaker 4>Into hotels ABC.

942
00:49:27.840 --> 00:49:32.360
<v Speaker 2>Man, do you really believe now again, I'm going to

943
00:49:32.440 --> 00:49:34.239
<v Speaker 2>sound like nay people are going to say, oh, Tom,

944
00:49:34.239 --> 00:49:36.800
<v Speaker 2>you're drinking a kool aid. I'm not saying I don't

945
00:49:36.960 --> 00:49:41.679
<v Speaker 2>or I do. I'm asking do you truly believe that

946
00:49:41.840 --> 00:49:47.280
<v Speaker 2>the media talks to these political that the Democratic Party

947
00:49:47.800 --> 00:49:49.119
<v Speaker 2>and tries to strategize.

948
00:49:49.519 --> 00:49:54.039
<v Speaker 13>You really still gave the CNN dist right Hillary Clinton

949
00:49:54.679 --> 00:49:55.320
<v Speaker 13>head of time.

950
00:49:55.840 --> 00:49:57.920
<v Speaker 2>Do you think there's any deep throating like that?

951
00:49:58.320 --> 00:50:03.239
<v Speaker 4>Yes, of course. Do you think on the Republican sign?

952
00:50:04.079 --> 00:50:10.159
<v Speaker 2>I think that is clear when they talk about have

953
00:50:10.280 --> 00:50:14.519
<v Speaker 2>you ever heard them, even in the fact checking, when

954
00:50:14.679 --> 00:50:18.159
<v Speaker 2>they found Biden saying something or Kamela is saying something,

955
00:50:19.159 --> 00:50:21.320
<v Speaker 2>they never couch it like this. This is one thing

956
00:50:21.320 --> 00:50:26.119
<v Speaker 2>I've heard all the time that listen to this. Trump

957
00:50:26.400 --> 00:50:33.960
<v Speaker 2>intentionally repeated a lie. They never say that when Kamala says, well,

958
00:50:34.239 --> 00:50:36.559
<v Speaker 2>they're going to adopt twenty twenty five, or they're going

959
00:50:36.599 --> 00:50:41.840
<v Speaker 2>to do a national abortion band or something, or even

960
00:50:41.840 --> 00:50:46.159
<v Speaker 2>when they're talking about the past. Okay, she keeps repeating

961
00:50:46.199 --> 00:50:48.000
<v Speaker 2>the lie that when they took over it was the

962
00:50:48.079 --> 00:50:52.679
<v Speaker 2>highest unemployment rate since the Great Depression. It wasn't fourteen

963
00:50:52.760 --> 00:50:58.400
<v Speaker 2>percent unemployment during COVID. Then by the time Trump after COVID,

964
00:50:58.480 --> 00:51:01.800
<v Speaker 2>before By took over, it was down to six percent.

965
00:51:02.400 --> 00:51:04.639
<v Speaker 2>So he did a good job getting the country back

966
00:51:04.679 --> 00:51:07.079
<v Speaker 2>and probably would have gone more. So they took it

967
00:51:07.119 --> 00:51:10.920
<v Speaker 2>over at six percent. The country was recovering on its

968
00:51:10.920 --> 00:51:15.159
<v Speaker 2>own after COVID. But she said point blank, they inherited

969
00:51:15.159 --> 00:51:20.840
<v Speaker 2>the highest unemployment rate since the Great Depression. Now, and

970
00:51:20.880 --> 00:51:23.800
<v Speaker 2>they've said that over and over, and they've been fact

971
00:51:23.920 --> 00:51:28.280
<v Speaker 2>checked over and over. So why doesn't anyone say, like,

972
00:51:29.280 --> 00:51:30.920
<v Speaker 2>I don't even want to mention his name. He makes

973
00:51:30.920 --> 00:51:33.559
<v Speaker 2>me so sick. He's on Channel nine and I swear

974
00:51:33.599 --> 00:51:36.239
<v Speaker 2>to God, the guy is just I don't know how

975
00:51:36.239 --> 00:51:37.519
<v Speaker 2>he keeps this straight face.

976
00:51:37.920 --> 00:51:41.800
<v Speaker 4>He should be running for office. But he said, he says.

977
00:51:42.000 --> 00:51:45.199
<v Speaker 2>But when people say things like and I'm not saying

978
00:51:45.239 --> 00:51:47.320
<v Speaker 2>you gotta love Trump or love Camela, but don't don't

979
00:51:47.320 --> 00:51:51.920
<v Speaker 2>be so obvious even if you hate Trump, but to say,

980
00:51:52.760 --> 00:51:58.199
<v Speaker 2>they never say Kamala Harris continually or intentionally repeated the

981
00:51:58.320 --> 00:52:02.760
<v Speaker 2>lie about unemployment. Never, they never couch things in those

982
00:52:02.880 --> 00:52:07.400
<v Speaker 2>derogatory terms. Ever, not anyone in the media when they

983
00:52:07.400 --> 00:52:11.199
<v Speaker 2>talk about a Democrat, but always when they talk about Trump.

984
00:52:11.360 --> 00:52:14.039
<v Speaker 2>But then Trump should lose the idea about the twenty

985
00:52:14.079 --> 00:52:16.079
<v Speaker 2>twenty election too, as far as I had all these

986
00:52:16.159 --> 00:52:18.079
<v Speaker 2>votes and then I didn't have them, and then I

987
00:52:18.119 --> 00:52:21.440
<v Speaker 2>have the biggest crowds, it sounds like it sounds like

988
00:52:22.000 --> 00:52:26.440
<v Speaker 2>Penis jokes. You know, disc jockeys talk about the guy

989
00:52:26.599 --> 00:52:30.599
<v Speaker 2>is just obsessed with his You know this this bragging stuff.

990
00:52:30.639 --> 00:52:33.119
<v Speaker 2>People hate it. I think people hate it. Anyway, I

991
00:52:33.159 --> 00:52:34.679
<v Speaker 2>got to take a break. Three oh three, seven to

992
00:52:34.679 --> 00:52:38.639
<v Speaker 2>one to three, talk problems, questions or complaints are issues?

993
00:52:38.719 --> 00:52:42.679
<v Speaker 2>Now on credit, Yes, you should have multiple credit cards,

994
00:52:42.880 --> 00:52:47.039
<v Speaker 2>you should rate, rotate usage, and you should keep total

995
00:52:47.559 --> 00:52:49.599
<v Speaker 2>amount of credit under thirty percent.

996
00:52:49.920 --> 00:52:52.639
<v Speaker 4>Now you're going to hear wonderful.

997
00:52:52.159 --> 00:52:59.360
<v Speaker 2>People talk about good good people talk about like Ramsey

998
00:52:59.400 --> 00:53:03.880
<v Speaker 2>talks about no credit. Ever, no credit, everything's cash. I

999
00:53:03.880 --> 00:53:06.559
<v Speaker 2>don't believe that. I believe credit is a tool, just

1000
00:53:06.599 --> 00:53:10.280
<v Speaker 2>like painkillers can be a tool. I mean that doesn't

1001
00:53:10.320 --> 00:53:14.320
<v Speaker 2>mean you abuse them. And I think credit is a tool.

1002
00:53:14.440 --> 00:53:17.199
<v Speaker 2>And I think the notion that you can get through

1003
00:53:17.239 --> 00:53:21.079
<v Speaker 2>your entire life without it is not realistic. And if

1004
00:53:21.119 --> 00:53:25.000
<v Speaker 2>you learn to use credit as a tool and manipulate

1005
00:53:25.079 --> 00:53:28.480
<v Speaker 2>the use of credit. It can be a very valuable tool.

1006
00:53:28.800 --> 00:53:33.320
<v Speaker 2>And then there's also something called leverage, where you use

1007
00:53:33.440 --> 00:53:36.559
<v Speaker 2>credit to leverage your positions. I'm not talking to the

1008
00:53:36.559 --> 00:53:39.280
<v Speaker 2>stock market necessarily, that's dangerous, but I'm talking about when

1009
00:53:39.320 --> 00:53:42.199
<v Speaker 2>you buy things like a house, for God's sakes, or

1010
00:53:42.280 --> 00:53:45.800
<v Speaker 2>when you buy certain vehicles. Now, you can't over leverage

1011
00:53:45.960 --> 00:53:48.760
<v Speaker 2>end up upside down. But I'm talking about a certain

1012
00:53:48.760 --> 00:53:51.199
<v Speaker 2>amount of debt and credit can be used as tools.

1013
00:53:52.000 --> 00:53:58.760
<v Speaker 2>I'm Tom Martinez. We have more coming up. Go with

1014
00:53:58.840 --> 00:54:02.519
<v Speaker 2>a sure thing best roofer Excel Roofing dot com. You

1015
00:54:02.559 --> 00:54:08.320
<v Speaker 2>don't pay a cent until you're content. Time for an

1016
00:54:08.320 --> 00:54:12.559
<v Speaker 2>insurance check up free, no obligation comparison call Compass Insurance

1017
00:54:12.719 --> 00:54:15.760
<v Speaker 2>paying too much your coverage at dozens of insurance companies

1018
00:54:15.840 --> 00:54:18.440
<v Speaker 2>find out now three all three seven seven to one help.

1019
00:54:18.599 --> 00:54:21.239
<v Speaker 2>You'll think you're his only customer when you choose Frank

1020
00:54:21.280 --> 00:54:23.719
<v Speaker 2>durand the real estate Man dot com to list your

1021
00:54:23.760 --> 00:54:26.880
<v Speaker 2>home with Remax Alliance three all three nine two zero

1022
00:54:27.039 --> 00:54:33.000
<v Speaker 2>sixteen twenty two. Hi Tom Martino, your troubleshooter three all

1023
00:54:33.119 --> 00:54:36.559
<v Speaker 2>three seven one three Talk three all three seven one

1024
00:54:36.599 --> 00:54:40.320
<v Speaker 2>three eight two five five. Back to the phones here

1025
00:54:41.199 --> 00:54:43.760
<v Speaker 2>and UH phone calls are liked today, but I'm getting

1026
00:54:43.760 --> 00:54:46.840
<v Speaker 2>a lot of text for some reason. Somebody wanted to

1027
00:54:46.880 --> 00:54:53.920
<v Speaker 2>know on insurance, the non owner UH policy that Brian

1028
00:54:54.000 --> 00:54:55.159
<v Speaker 2>was talking about, what does it?

1029
00:54:55.199 --> 00:54:55.840
<v Speaker 4>What does it mean?

1030
00:54:56.559 --> 00:55:00.239
<v Speaker 2>If you drive cars that are at work or from

1031
00:55:00.280 --> 00:55:02.840
<v Speaker 2>other people, and you drive a lot of non owner cars,

1032
00:55:02.880 --> 00:55:05.679
<v Speaker 2>you can get a policy, but it will never listen

1033
00:55:05.679 --> 00:55:08.519
<v Speaker 2>to this. This is what's weird about it. You can

1034
00:55:08.519 --> 00:55:11.400
<v Speaker 2>get a policy so you'll get medpay. You can get

1035
00:55:11.400 --> 00:55:13.960
<v Speaker 2>a policy for liability. You can get a policy for

1036
00:55:14.000 --> 00:55:19.679
<v Speaker 2>a number of things, but it will never pay if

1037
00:55:19.679 --> 00:55:25.000
<v Speaker 2>you're driving a car that you own. It's exactly opposite

1038
00:55:26.280 --> 00:55:29.440
<v Speaker 2>of what you think, so it will never do that.

1039
00:55:31.559 --> 00:55:33.039
<v Speaker 4>You must have.

1040
00:55:35.159 --> 00:55:39.199
<v Speaker 2>Policies for your cars, if you get a policy for

1041
00:55:39.239 --> 00:55:40.199
<v Speaker 2>yourself non owner.

1042
00:55:40.239 --> 00:55:42.239
<v Speaker 4>I used to do that, and I remember now I

1043
00:55:42.280 --> 00:55:43.920
<v Speaker 4>looked it up when.

1044
00:55:43.800 --> 00:55:47.320
<v Speaker 2>I had cars through purifoic Chevrolet for years and years,

1045
00:55:47.920 --> 00:55:51.000
<v Speaker 2>when I had the advertising deal and I endorsed them.

1046
00:55:52.400 --> 00:55:56.400
<v Speaker 2>They had their own insurance, but they didn't necessarily cover

1047
00:55:56.840 --> 00:55:59.440
<v Speaker 2>the type of things that I needed because they were

1048
00:55:59.440 --> 00:56:04.000
<v Speaker 2>owned by the dealership. So what I had to do

1049
00:56:04.079 --> 00:56:06.480
<v Speaker 2>was get the right kind of insurance for me like

1050
00:56:06.559 --> 00:56:10.360
<v Speaker 2>medpay and stuff like that and excess liability or things

1051
00:56:10.440 --> 00:56:13.480
<v Speaker 2>like that. And that's what I did. So it does work,

1052
00:56:13.800 --> 00:56:17.119
<v Speaker 2>but only for cars you do not own. So that

1053
00:56:17.280 --> 00:56:19.920
<v Speaker 2>was a text on that one. And I have another

1054
00:56:20.000 --> 00:56:23.679
<v Speaker 2>text and this. I'm gonna let Mark talk about this

1055
00:56:23.719 --> 00:56:27.280
<v Speaker 2>because this is at my Google number seven four seven,

1056
00:56:29.199 --> 00:56:32.159
<v Speaker 2>and someone wants to know, truly because they heard me joking.

1057
00:56:32.599 --> 00:56:36.599
<v Speaker 2>I need to check on Taylor Swift and see what

1058
00:56:36.639 --> 00:56:38.880
<v Speaker 2>she thinks about this issue when it came to a

1059
00:56:38.880 --> 00:56:43.599
<v Speaker 2>consumer problem. Does do you believe and I'm serious now

1060
00:56:43.599 --> 00:56:47.880
<v Speaker 2>when I'm asking this, that her endorsement can make a difference.

1061
00:56:48.880 --> 00:56:51.400
<v Speaker 5>You mean for the election or for her ticket sales?

1062
00:56:51.400 --> 00:56:55.960
<v Speaker 5>What are you talking about? No, for the election, I

1063
00:56:56.199 --> 00:57:02.159
<v Speaker 5>doubt anybody is swayed by Swift. I doubt anybody gets

1064
00:57:02.159 --> 00:57:06.920
<v Speaker 5>swayed by kid Rock as well. So I'm not saying anybody.

1065
00:57:06.960 --> 00:57:09.719
<v Speaker 5>I guess there are people that might, but no, I'll

1066
00:57:09.719 --> 00:57:10.960
<v Speaker 5>bet you a thing.

1067
00:57:11.440 --> 00:57:17.360
<v Speaker 2>I'll bet you that kids from eighteen to twenty five

1068
00:57:18.440 --> 00:57:19.400
<v Speaker 2>will do what she says.

1069
00:57:19.519 --> 00:57:19.840
<v Speaker 4>I think.

1070
00:57:19.880 --> 00:57:24.599
<v Speaker 5>I think she'll see sales go down or demand. I mean,

1071
00:57:24.719 --> 00:57:27.360
<v Speaker 5>she sells out and probably will continue to sell out

1072
00:57:27.519 --> 00:57:29.360
<v Speaker 5>because Honestly, she's a great artist.

1073
00:57:29.639 --> 00:57:31.360
<v Speaker 4>I wish she didn't come out and do it.

1074
00:57:31.760 --> 00:57:34.679
<v Speaker 5>I'm really shocked, and people are going to go, well,

1075
00:57:34.719 --> 00:57:37.719
<v Speaker 5>she's thirty or whatever, but I'm really shocked her dad

1076
00:57:37.760 --> 00:57:38.480
<v Speaker 5>and manager.

1077
00:57:38.840 --> 00:57:40.599
<v Speaker 4>I bet they really didn't want.

1078
00:57:40.440 --> 00:57:42.599
<v Speaker 5>Her to do that because a lot of people that

1079
00:57:42.719 --> 00:57:44.639
<v Speaker 5>pay for the tickets for the kids to go to

1080
00:57:44.679 --> 00:57:47.920
<v Speaker 5>the show are conservatives and they might not want to

1081
00:57:47.960 --> 00:57:51.119
<v Speaker 5>spend that dough anymore. But I also think, you know what,

1082
00:57:51.400 --> 00:57:54.239
<v Speaker 5>everybody can have an opinion, so who gives a crap?

1083
00:57:55.639 --> 00:57:59.639
<v Speaker 2>So bottom line, you feel like, I don't think it'll

1084
00:57:59.639 --> 00:58:02.360
<v Speaker 2>move the election either way, Okay, I mean it's not

1085
00:58:02.400 --> 00:58:03.920
<v Speaker 2>going to be a big deal, is what you're saying.

1086
00:58:04.000 --> 00:58:04.800
<v Speaker 4>No, I don't think so.

1087
00:58:05.000 --> 00:58:05.159
<v Speaker 2>Man.

1088
00:58:05.199 --> 00:58:09.320
<v Speaker 5>There's very few people that have that kind of influence

1089
00:58:09.400 --> 00:58:12.320
<v Speaker 5>over most people. I mean, she probably is one that

1090
00:58:12.360 --> 00:58:14.960
<v Speaker 5>does have some influence, But those people are going to

1091
00:58:15.039 --> 00:58:16.000
<v Speaker 5>vote Biden already.

1092
00:58:16.000 --> 00:58:18.000
<v Speaker 4>I mean, I don't think that really matters.

1093
00:58:18.360 --> 00:58:20.639
<v Speaker 7>Hey, I think the ones that are gonna be swayed

1094
00:58:21.000 --> 00:58:25.320
<v Speaker 7>are the teeny boppers of fourteen fifteen, sixteen can vote?

1095
00:58:25.559 --> 00:58:28.079
<v Speaker 5>My god, what was that from nineteen fifty five? The

1096
00:58:28.119 --> 00:58:33.880
<v Speaker 5>teeny boppers or what do you call them, teenagers, millennials, millennials. Hey, Tom,

1097
00:58:33.960 --> 00:58:36.719
<v Speaker 5>I want to ask something though, Yeah, you ready for

1098
00:58:36.960 --> 00:58:42.840
<v Speaker 5>uh uh truth and honesty. Yeah, what's the biggest We're

1099
00:58:42.840 --> 00:58:45.960
<v Speaker 5>talking credit cards and people having too many and financial issues.

1100
00:58:46.280 --> 00:58:51.199
<v Speaker 5>What's the biggest financial mistake that you've made? Oh my god,

1101
00:58:51.679 --> 00:58:53.920
<v Speaker 5>I got to ask you, man, I mean, in your life,

1102
00:58:53.960 --> 00:58:56.320
<v Speaker 5>what is the biggest the biggest one?

1103
00:58:56.840 --> 00:58:57.400
<v Speaker 4>Seriously?

1104
00:58:58.920 --> 00:59:04.480
<v Speaker 2>Okay, it was both, Okay, part of it was a mistake,

1105
00:59:04.599 --> 00:59:08.639
<v Speaker 2>part of it was a wealth builder. And I'll tell

1106
00:59:08.639 --> 00:59:14.039
<v Speaker 2>you what it was. Real estate. But specifically, I don't

1107
00:59:14.039 --> 00:59:18.960
<v Speaker 2>know how to this is weird, but specifically the way

1108
00:59:19.000 --> 00:59:19.559
<v Speaker 2>I did.

1109
00:59:19.400 --> 00:59:22.400
<v Speaker 4>It, I don't know what you mean.

1110
00:59:22.880 --> 00:59:30.920
<v Speaker 2>Okay. I had real estate that on paper and everyone

1111
00:59:31.159 --> 00:59:35.559
<v Speaker 2>it wasn't like exaggerated either that I was into for

1112
00:59:35.599 --> 00:59:38.719
<v Speaker 2>thirty dollars a foot. Let's say commercial real estate that

1113
00:59:39.039 --> 00:59:41.800
<v Speaker 2>on a bad day, on a bad day, it was

1114
00:59:41.840 --> 00:59:46.280
<v Speaker 2>sixty dollars of foot on a bad day, and on

1115
00:59:46.320 --> 00:59:48.639
<v Speaker 2>at and most of the time it was selling for

1116
00:59:49.280 --> 00:59:51.480
<v Speaker 2>seventy five to eighty five dollars of foot.

1117
00:59:51.719 --> 00:59:52.960
<v Speaker 4>Okay, most of the time.

1118
00:59:53.360 --> 00:59:56.039
<v Speaker 2>Now, I mean it doesn't matter.

1119
00:59:56.239 --> 00:59:57.039
<v Speaker 4>This is many years ago.

1120
00:59:57.039 --> 00:59:59.639
<v Speaker 2>But then it went up right after the recession, it

1121
00:59:59.679 --> 01:00:02.679
<v Speaker 2>went up to uh one hundred and eighty dollars of foot.

1122
01:00:03.440 --> 01:00:06.800
<v Speaker 2>But what here, here's what I'm getting at, is when

1123
01:00:06.920 --> 01:00:12.880
<v Speaker 2>you have equity on paper like that. So I was

1124
01:00:12.920 --> 01:00:16.280
<v Speaker 2>into it for thirty dollars a foot and.

1125
01:00:16.400 --> 01:00:18.840
<v Speaker 4>What was it like? What is that equal? In total?

1126
01:00:18.880 --> 01:00:22.480
<v Speaker 5>It's the highest amount. Well, okay, what that means is

1127
01:00:22.599 --> 01:00:23.400
<v Speaker 5>one hundred million?

1128
01:00:23.840 --> 01:00:28.360
<v Speaker 2>Well no, no, no, okay, in aggregate, in total. Since

1129
01:00:28.400 --> 01:00:30.639
<v Speaker 2>we're all being honest and I want people to learn,

1130
01:00:31.360 --> 01:00:37.800
<v Speaker 2>I had about thirty million in loans and about sixty

1131
01:00:37.880 --> 01:00:40.360
<v Speaker 2>million in value.

1132
01:00:40.639 --> 01:00:44.480
<v Speaker 4>Okay, so I was deal. I was fifty.

1133
01:00:44.079 --> 01:00:48.559
<v Speaker 2>Percent, and then I had money and other things.

1134
01:00:48.800 --> 01:00:51.079
<v Speaker 4>But what happened was, and I've said.

1135
01:00:50.880 --> 01:00:56.320
<v Speaker 2>This before, in the economy, the FDIC doesn't have enough

1136
01:00:56.320 --> 01:00:57.559
<v Speaker 2>money to ensure everyone.

1137
01:00:58.079 --> 01:01:01.320
<v Speaker 4>Okay, they don't. And when people.

1138
01:01:01.079 --> 01:01:04.559
<v Speaker 2>Start getting nervous about the economy, they draw money out

1139
01:01:04.599 --> 01:01:08.360
<v Speaker 2>of their banks, or they they don't invest as much

1140
01:01:08.400 --> 01:01:11.320
<v Speaker 2>in banks. So now the FDIC has even less. So

1141
01:01:11.480 --> 01:01:15.719
<v Speaker 2>here's the point I'm making. The government made a terrible

1142
01:01:15.800 --> 01:01:21.280
<v Speaker 2>mistake by telling banks that they could know that they

1143
01:01:21.280 --> 01:01:25.960
<v Speaker 2>were afraid banks would fail, and told them that they

1144
01:01:26.119 --> 01:01:27.880
<v Speaker 2>needed to get out of real estate.

1145
01:01:29.039 --> 01:01:32.639
<v Speaker 4>And so banks were not renewing loans. And this is

1146
01:01:32.679 --> 01:01:34.920
<v Speaker 4>all what nine eight I mean.

1147
01:01:34.920 --> 01:01:37.280
<v Speaker 2>This is the banks were not renewing loans. So now

1148
01:01:37.280 --> 01:01:41.119
<v Speaker 2>if a bank doesn't renew a loan, the commercial operator.

1149
01:01:41.599 --> 01:01:46.280
<v Speaker 2>No one buys a twenty million dollar property with ten

1150
01:01:46.360 --> 01:01:49.559
<v Speaker 2>million dollars down thinking they have to come up with

1151
01:01:49.599 --> 01:01:51.800
<v Speaker 2>the other ten million. That's not just like when you

1152
01:01:51.800 --> 01:01:54.599
<v Speaker 2>buy your house, you put down payments. So when you're

1153
01:01:54.599 --> 01:01:58.880
<v Speaker 2>sitting on real estate with loans and then those loans

1154
01:01:59.039 --> 01:02:01.079
<v Speaker 2>are not renewed, it's not like a thirty you don't

1155
01:02:01.079 --> 01:02:03.599
<v Speaker 2>get thirty yr business loan. So loans have to be

1156
01:02:03.679 --> 01:02:06.559
<v Speaker 2>renewed and they can review them. There's a regulation z

1157
01:02:06.760 --> 01:02:10.679
<v Speaker 2>they can review them based on value. So when they

1158
01:02:10.679 --> 01:02:13.920
<v Speaker 2>were not renewing loans and you had downtown, I was

1159
01:02:13.960 --> 01:02:17.280
<v Speaker 2>one of the owners down there. When you have one

1160
01:02:17.400 --> 01:02:21.840
<v Speaker 2>hundred owners downtown or fifty owners that can't get loans renewed,

1161
01:02:21.840 --> 01:02:23.679
<v Speaker 2>what do they do with their property? They can't pay

1162
01:02:23.719 --> 01:02:25.639
<v Speaker 2>them off, they don't have the money, so they put

1163
01:02:25.639 --> 01:02:27.880
<v Speaker 2>them up for sale. So when you have fifty or

1164
01:02:27.880 --> 01:02:30.440
<v Speaker 2>one hundred properties going up for sale all at once,

1165
01:02:30.480 --> 01:02:35.320
<v Speaker 2>what happens to the values? Right? So the land that

1166
01:02:35.760 --> 01:02:40.840
<v Speaker 2>was astronomically valuable, was now being valued by the FDIC

1167
01:02:41.159 --> 01:02:44.800
<v Speaker 2>at twenty and thirty dollars a foot compared to seventy

1168
01:02:44.840 --> 01:02:48.079
<v Speaker 2>five and eighty. And it almost happened overnight, and the

1169
01:02:48.159 --> 01:02:52.840
<v Speaker 2>FDIC was thinking, we're helping banks by shedding real estate.

1170
01:02:52.880 --> 01:02:56.400
<v Speaker 4>What they did was created a frenzy.

1171
01:02:55.920 --> 01:02:59.960
<v Speaker 2>To sell crash prices, and then the loans were called

1172
01:03:00.079 --> 01:03:02.679
<v Speaker 2>because they were bad. They were no longer were not

1173
01:03:02.840 --> 01:03:06.360
<v Speaker 2>renewing it. Now those loans are bad. So you're faced

1174
01:03:06.400 --> 01:03:09.199
<v Speaker 2>as an investor, what do I do? I have to

1175
01:03:09.519 --> 01:03:12.239
<v Speaker 2>come up with millions to pay off the loan. No one,

1176
01:03:12.400 --> 01:03:14.360
<v Speaker 2>no one can do that. That's you don't buy stuff

1177
01:03:14.400 --> 01:03:17.480
<v Speaker 2>like that. So you have to either come up with

1178
01:03:17.519 --> 01:03:20.119
<v Speaker 2>millions to pay off those loans, or you have to

1179
01:03:20.159 --> 01:03:24.760
<v Speaker 2>find investors. And if you find investors, they say, well,

1180
01:03:25.039 --> 01:03:27.360
<v Speaker 2>the property's not worth what it used to do will

1181
01:03:27.400 --> 01:03:29.480
<v Speaker 2>help you. So you go to the bank and say,

1182
01:03:29.519 --> 01:03:33.920
<v Speaker 2>I'll tell you what we'll settle for eighty or ninety

1183
01:03:33.960 --> 01:03:36.400
<v Speaker 2>cents on the dollar because that's where my investors will

1184
01:03:36.440 --> 01:03:36.760
<v Speaker 2>help me.

1185
01:03:37.280 --> 01:03:38.519
<v Speaker 4>And the bank said no.

1186
01:03:39.800 --> 01:03:42.360
<v Speaker 2>And I said, to the banks, just like every other owner,

1187
01:03:42.880 --> 01:03:45.079
<v Speaker 2>but what's going to happen if you don't settle with me.

1188
01:03:45.400 --> 01:03:47.960
<v Speaker 2>And they said, we're going to sell it on the

1189
01:03:48.000 --> 01:03:50.679
<v Speaker 2>open market, and I said, what would happen? Then I

1190
01:03:50.760 --> 01:03:53.480
<v Speaker 2>talked to the FDIC and they told me we'll probably

1191
01:03:53.519 --> 01:03:56.199
<v Speaker 2>get twenty cents on the dollar. So what they were

1192
01:03:56.239 --> 01:03:58.960
<v Speaker 2>willing to do is to put it up for auction

1193
01:03:59.440 --> 01:04:02.760
<v Speaker 2>and have it sold at twenty to thirty cents, rather

1194
01:04:02.840 --> 01:04:06.719
<v Speaker 2>than taking eighty or ninety percent from the lenders from

1195
01:04:06.719 --> 01:04:07.400
<v Speaker 2>the borrowers.

1196
01:04:07.599 --> 01:04:08.960
<v Speaker 4>And I said, why would you do that.

1197
01:04:09.079 --> 01:04:11.519
<v Speaker 2>Here's what they said, because if we make a deal

1198
01:04:11.559 --> 01:04:15.280
<v Speaker 2>with borrowers, we are forgiving debt and we look bad.

1199
01:04:15.800 --> 01:04:18.199
<v Speaker 2>But if we put it on the open market and

1200
01:04:18.280 --> 01:04:21.920
<v Speaker 2>investors buy it for twenty or thirty cents, people will

1201
01:04:22.000 --> 01:04:25.280
<v Speaker 2>just conclude that's what it was worth. But I said,

1202
01:04:25.280 --> 01:04:32.320
<v Speaker 2>you're literally losing money on purpose and creating even more crisis.

1203
01:04:32.639 --> 01:04:34.880
<v Speaker 2>And they said, that's the way the system works. But

1204
01:04:34.920 --> 01:04:36.920
<v Speaker 2>no one knows that, No one understands that. They all

1205
01:04:36.960 --> 01:04:40.079
<v Speaker 2>think like they all think like, well, if you take

1206
01:04:40.079 --> 01:04:41.599
<v Speaker 2>out a loan, you should be able to pay it off,

1207
01:04:41.880 --> 01:04:44.760
<v Speaker 2>and virtually no one in business, so it's being called

1208
01:04:44.840 --> 01:04:48.840
<v Speaker 2>over leveraged. That's the mistake, the biggest mistake in the

1209
01:04:48.840 --> 01:04:52.239
<v Speaker 2>world being over leveraged. I'm Tom Martine. We have more

1210
01:04:52.280 --> 01:04:59.519
<v Speaker 2>coming right up. Go with a sure thing Denver's Best

1211
01:04:59.599 --> 01:05:02.519
<v Speaker 2>roof Excel Roofing dot com. You don't pay a cent

1212
01:05:02.719 --> 01:05:08.760
<v Speaker 2>until you're content. Time for an insurance check up free,

1213
01:05:08.840 --> 01:05:12.599
<v Speaker 2>no obligation. In comparison, call Compass Insurance. Paying too much

1214
01:05:12.719 --> 01:05:15.639
<v Speaker 2>your coverage at dozens of insurance companies find out now

1215
01:05:15.719 --> 01:05:18.239
<v Speaker 2>three oh three seven seven to one help. You'll think

1216
01:05:18.239 --> 01:05:20.800
<v Speaker 2>you're his only customer when you choose Frank durand the

1217
01:05:20.880 --> 01:05:23.519
<v Speaker 2>real estate Man dot com to list your home with

1218
01:05:23.639 --> 01:05:27.960
<v Speaker 2>Remax Alliance three oh three nine two zero sixteen twenty two.

1219
01:05:28.800 --> 01:05:31.440
<v Speaker 2>Hi Tom Artine, your troubleshooter. Three oh three seven one

1220
01:05:31.519 --> 01:05:35.440
<v Speaker 2>three talk seven one three eight two five five Welcome

1221
01:05:35.480 --> 01:05:38.280
<v Speaker 2>to the show. Three oh three seven one three talk.

1222
01:05:38.280 --> 01:05:41.480
<v Speaker 2>We are here to help you solve your problems, answer questions,

1223
01:05:41.480 --> 01:05:43.920
<v Speaker 2>take complaints, and make your life a little easier. Now

1224
01:05:45.159 --> 01:05:49.039
<v Speaker 2>I'm going back to Uh, I'm trying to find my

1225
01:05:49.039 --> 01:05:50.760
<v Speaker 2>my tech. Oh there it is in my text. Okay.

1226
01:05:50.840 --> 01:05:54.960
<v Speaker 2>So Taylor Swift is thirty four years old, and when

1227
01:05:55.119 --> 01:06:00.440
<v Speaker 2>she send Hound her endorsement, thirty five thousand more people

1228
01:06:00.480 --> 01:06:05.280
<v Speaker 2>registered to vote immediately. Then someone else said she's going

1229
01:06:05.360 --> 01:06:09.519
<v Speaker 2>to have a tremendous effect on people voting. Younger people,

1230
01:06:10.039 --> 01:06:13.639
<v Speaker 2>and you can almost bet younger people, whether she endorsed

1231
01:06:13.719 --> 01:06:19.679
<v Speaker 2>or not, would go for Kamala. I just think it's

1232
01:06:19.679 --> 01:06:21.480
<v Speaker 2>a fact of life that we're going to have her

1233
01:06:21.519 --> 01:06:25.280
<v Speaker 2>as president. And I just don't think there's anything you

1234
01:06:25.280 --> 01:06:28.679
<v Speaker 2>can do about it. It's just not gonna it's it's

1235
01:06:28.719 --> 01:06:31.360
<v Speaker 2>there's nothing you can do about it. And all the

1236
01:06:31.440 --> 01:06:33.840
<v Speaker 2>coaching in the world won't help Trump because he just

1237
01:06:33.920 --> 01:06:36.320
<v Speaker 2>thinks he knows and he has a great base. I'm

1238
01:06:36.360 --> 01:06:39.079
<v Speaker 2>not saying he doesn't, but God Almighty, I think the

1239
01:06:39.119 --> 01:06:41.440
<v Speaker 2>guy could convert a lot of the keep his base.

1240
01:06:42.159 --> 01:06:45.079
<v Speaker 2>He could keep him Mark wouldn't abandon him if all

1241
01:06:45.079 --> 01:06:47.119
<v Speaker 2>of a sudden he had a little more decorum and

1242
01:06:47.159 --> 01:06:51.719
<v Speaker 2>didn't brag about his crowd size all the time, and

1243
01:06:51.719 --> 01:06:54.519
<v Speaker 2>and and yet not only would he keep his p one,

1244
01:06:54.639 --> 01:06:57.920
<v Speaker 2>his primary one, his primaries, he would go and get

1245
01:06:58.000 --> 01:07:01.880
<v Speaker 2>new people there. People that just I swear to God,

1246
01:07:02.280 --> 01:07:06.280
<v Speaker 2>I have never seen more hate in my life for

1247
01:07:06.440 --> 01:07:09.960
<v Speaker 2>any one candidate. When people hate him, you either like

1248
01:07:10.039 --> 01:07:15.760
<v Speaker 2>him or you absolutely there's no balance. You hate hate,

1249
01:07:15.800 --> 01:07:20.440
<v Speaker 2>hey hey hey hey, hey, heye it's it's incredible to

1250
01:07:20.480 --> 01:07:26.760
<v Speaker 2>me anyway. Three oh three seven one three talk seven

1251
01:07:26.800 --> 01:07:31.960
<v Speaker 2>one three eight two five five. Really, can you honestly say, Mark,

1252
01:07:32.280 --> 01:07:36.039
<v Speaker 2>can you say you've ever ever seen such hatred for

1253
01:07:36.119 --> 01:07:36.719
<v Speaker 2>a candidate?

1254
01:07:36.760 --> 01:07:36.960
<v Speaker 9>Ever?

1255
01:07:37.199 --> 01:07:40.880
<v Speaker 4>And I ask why why Mark is not here right now?

1256
01:07:40.920 --> 01:07:41.239
<v Speaker 6>Tom?

1257
01:07:41.320 --> 01:07:43.599
<v Speaker 2>Okay, why why do you think we have such hatred?

1258
01:07:44.039 --> 01:07:45.679
<v Speaker 2>I'm really serious? Why why?

1259
01:07:45.679 --> 01:07:50.280
<v Speaker 7>Because of who he is is, his personality and also

1260
01:07:50.440 --> 01:07:57.239
<v Speaker 7>his his policies are so contradict contradictory to the woke

1261
01:07:57.360 --> 01:08:00.960
<v Speaker 7>generation that the combination of those two fat does make

1262
01:08:01.039 --> 01:08:01.800
<v Speaker 7>him so hated.

1263
01:08:02.880 --> 01:08:06.840
<v Speaker 4>Now here's the deal. It's just the way.

1264
01:08:08.480 --> 01:08:11.760
<v Speaker 2>Go with a sure thing Denver's best roofer Excel Roofing

1265
01:08:11.840 --> 01:08:14.519
<v Speaker 2>dot com. You don't pay a cent until you're content.

1266
01:08:17.880 --> 01:08:20.399
<v Speaker 2>Time for an insurance check up free, no obligation in

1267
01:08:20.479 --> 01:08:24.319
<v Speaker 2>comparison call Compass Insurance paying too much your coverage at

1268
01:08:24.359 --> 01:08:27.079
<v Speaker 2>dozens of insurance companies find out now three O three

1269
01:08:27.279 --> 01:08:29.399
<v Speaker 2>seven to seven to one help. You'll think you're his

1270
01:08:29.560 --> 01:08:32.199
<v Speaker 2>only customer when you choose Frank durand the real estate

1271
01:08:32.239 --> 01:08:35.479
<v Speaker 2>Man dot com to list your home with Remax Alliance

1272
01:08:35.720 --> 01:08:40.560
<v Speaker 2>three oh three nine two zero sixteen twenty two. Hi, Tom, Martino,

1273
01:08:40.640 --> 01:08:43.439
<v Speaker 2>you're a troubleshooter three O three seven one three talk

1274
01:08:44.239 --> 01:08:46.680
<v Speaker 2>seven one three eight two five five.

1275
01:08:47.600 --> 01:08:48.680
<v Speaker 4>Welcome to the show.

1276
01:08:48.720 --> 01:08:52.520
<v Speaker 2>We're here to solve your problems, answer your questions, take complaints.

1277
01:08:52.920 --> 01:08:55.199
<v Speaker 2>And we only have a few minutes left in this hour.

1278
01:08:55.239 --> 01:08:57.640
<v Speaker 2>We'll come back with a lot more. And it's really

1279
01:08:57.640 --> 01:09:03.439
<v Speaker 2>important though that people know about the wise use of credit.

1280
01:09:03.479 --> 01:09:08.600
<v Speaker 2>I mentioned that, and I do have some other tips

1281
01:09:08.640 --> 01:09:11.800
<v Speaker 2>on that and what people are doing. But even if

1282
01:09:11.800 --> 01:09:16.039
<v Speaker 2>you have multiple cards, remember this, you have to rotate them.

1283
01:09:16.439 --> 01:09:21.920
<v Speaker 2>It's really literally a management of credit, not just having

1284
01:09:21.960 --> 01:09:25.199
<v Speaker 2>the credit. By the way, somebody just texted me again,

1285
01:09:25.279 --> 01:09:27.640
<v Speaker 2>I'm getting these texts. I'm not making them up. Trump

1286
01:09:27.680 --> 01:09:31.920
<v Speaker 2>is very polarizing, much like Hillary Clinton was. There's really

1287
01:09:31.920 --> 01:09:36.039
<v Speaker 2>not a whole lot of lukewarm feelings toward him. There

1288
01:09:36.399 --> 01:09:41.760
<v Speaker 2>passionately love him or passionately hate him. Well, we have

1289
01:09:41.840 --> 01:09:44.479
<v Speaker 2>more coming up on the Treiber Shooter Show. Get your

1290
01:09:44.479 --> 01:09:46.760
<v Speaker 2>calls in or text. You can text me at five

1291
01:09:46.840 --> 01:09:51.000
<v Speaker 2>seven seven nine or my Google number as well, which

1292
01:09:51.039 --> 01:10:00.119
<v Speaker 2>is seven four seven nine nine nine fifty two point eighty.

1293
01:10:02.039 --> 01:10:05.319
<v Speaker 2>Go with a sure thing. Denver's Best roofer excel roofing

1294
01:10:05.399 --> 01:10:08.039
<v Speaker 2>dot com you don't pay a cent until you're content.

1295
01:10:11.439 --> 01:10:14.600
<v Speaker 2>Time for an insurance check up free, no obligation comparison

1296
01:10:14.760 --> 01:10:18.319
<v Speaker 2>call Compass Insurance paying too much your coverage at dozens

1297
01:10:18.319 --> 01:10:21.039
<v Speaker 2>of insurance companies find out now three oh three seven

1298
01:10:21.159 --> 01:10:23.960
<v Speaker 2>seven to one help. You'll think you're his only customer

1299
01:10:24.000 --> 01:10:26.239
<v Speaker 2>when you choose Frank durand the real estate Man dot

1300
01:10:26.279 --> 01:10:29.600
<v Speaker 2>com to list your home with Remax Alliance three oh

1301
01:10:29.640 --> 01:10:38.039
<v Speaker 2>three nine two zero sixteen twenty two ripped up.

1302
01:10:39.520 --> 01:10:39.800
<v Speaker 7>News.

1303
01:10:41.720 --> 01:10:42.600
<v Speaker 4>So you don't have.

1304
01:10:44.760 --> 01:10:50.000
<v Speaker 1>Come run anxious as fast as we can. Shooter's gonna help.

1305
01:10:50.039 --> 01:10:54.119
<v Speaker 4>Come Dix is the Troubleshooter show.

1306
01:10:54.720 --> 01:11:00.680
<v Speaker 2>No Tom Martino, Hi Tom Martino, your Troubleshooter three oh

1307
01:11:00.720 --> 01:11:03.119
<v Speaker 2>three seven one three talk is our number seven one

1308
01:11:03.119 --> 01:11:05.479
<v Speaker 2>three eight two five five. It's also important that you

1309
01:11:05.479 --> 01:11:08.800
<v Speaker 2>know you can. You can call three oh three Martino

1310
01:11:09.880 --> 01:11:14.159
<v Speaker 2>three oh three six two seven eight four six six

1311
01:11:15.760 --> 01:11:21.279
<v Speaker 2>and then do your thing. Give us a call or

1312
01:11:21.319 --> 01:11:23.439
<v Speaker 2>tell us what the problem is. If we're there, we answer.

1313
01:11:23.479 --> 01:11:25.600
<v Speaker 2>If not, you leave a message and we will get

1314
01:11:25.600 --> 01:11:28.920
<v Speaker 2>back to you and we will talk to you about it.

1315
01:11:30.119 --> 01:11:33.960
<v Speaker 2>So you don't have to wait or anything. So you

1316
01:11:34.039 --> 01:11:36.840
<v Speaker 2>can also text us at five seven seven three nine.

1317
01:11:38.079 --> 01:11:43.439
<v Speaker 2>You can also go to nextdoor or Instagram or TikTok

1318
01:11:43.640 --> 01:11:47.760
<v Speaker 2>or anything and any social media where that I'm also

1319
01:11:48.239 --> 01:11:52.880
<v Speaker 2>whatever in Instagram, LinkedIn, and you can leave messages for

1320
01:11:53.000 --> 01:11:55.920
<v Speaker 2>me and we'll be happy to talk to you. I

1321
01:11:55.960 --> 01:11:59.039
<v Speaker 2>get a lot of inquiries that way. The problem is

1322
01:11:59.680 --> 01:12:02.920
<v Speaker 2>some of the inqurease are so freaking weird. I'm going

1323
01:12:03.000 --> 01:12:06.000
<v Speaker 2>to give you an example. I mean, I'm serious, I

1324
01:12:06.039 --> 01:12:12.000
<v Speaker 2>got a lot. Okay, Okay, this one's pretty normal. Is

1325
01:12:12.039 --> 01:12:16.000
<v Speaker 2>there a way to avoid paying for scratches or dense

1326
01:12:16.039 --> 01:12:17.399
<v Speaker 2>when returning your leased car?

1327
01:12:18.199 --> 01:12:22.000
<v Speaker 4>Well, the answer is no, not if you're the one.

1328
01:12:21.880 --> 01:12:25.800
<v Speaker 2>That did them. So it's important to do a video

1329
01:12:25.880 --> 01:12:28.159
<v Speaker 2>walk around of your car. Even if they do one,

1330
01:12:28.239 --> 01:12:34.319
<v Speaker 2>do it yourself so you can't be charged twice. Here's

1331
01:12:34.359 --> 01:12:38.359
<v Speaker 2>another one. Is it possible? And the reason I said

1332
01:12:38.359 --> 01:12:41.279
<v Speaker 2>it's weird, they're all car questions for some reason, some

1333
01:12:41.359 --> 01:12:44.279
<v Speaker 2>of these texting, some of these social media platforms. Just

1334
01:12:44.319 --> 01:12:48.520
<v Speaker 2>ask me. Okay, this one. Is it possible to terminate

1335
01:12:48.840 --> 01:12:52.199
<v Speaker 2>a lease early if the value of the car has

1336
01:12:52.239 --> 01:12:57.560
<v Speaker 2>significantly decreased, Well, that would be terrible, and it's not

1337
01:12:58.039 --> 01:13:02.720
<v Speaker 2>even or beyond normal preciation. It doesn't matter if the

1338
01:13:02.760 --> 01:13:13.199
<v Speaker 2>car increased or decreased. Terminating early is never a good idea, ever, ever, ever, ever, ever, ever.

1339
01:13:13.840 --> 01:13:17.359
<v Speaker 2>There is one exception. Okay, I shouldn't say this. You're

1340
01:13:17.399 --> 01:13:21.399
<v Speaker 2>not really terminating the lease. You're paying it off. And

1341
01:13:21.439 --> 01:13:24.520
<v Speaker 2>here's how you do it. Not in the case where

1342
01:13:24.560 --> 01:13:27.800
<v Speaker 2>the car went down in value, but where the car

1343
01:13:28.159 --> 01:13:32.920
<v Speaker 2>has gone up in value. You can find someone who

1344
01:13:32.920 --> 01:13:36.720
<v Speaker 2>wants to buy that car. Then you can buy that

1345
01:13:36.800 --> 01:13:42.039
<v Speaker 2>car out early and then resell it to that person.

1346
01:13:42.600 --> 01:13:44.439
<v Speaker 2>So there is kind of a way to get out

1347
01:13:44.439 --> 01:13:48.840
<v Speaker 2>of it, but it's not necessarily getting You know, you're

1348
01:13:48.880 --> 01:13:53.960
<v Speaker 2>not undoing the lease, you're kind of paying it off.

1349
01:13:55.039 --> 01:13:57.199
<v Speaker 2>And that's the thing about a lease. I've said it before.

1350
01:13:57.720 --> 01:13:59.600
<v Speaker 2>If you're not going to live by the terms of

1351
01:13:59.640 --> 01:14:03.520
<v Speaker 2>the leaf, if you're not going to truly be there

1352
01:14:05.079 --> 01:14:07.479
<v Speaker 2>for the whole time and drive it accordingly, if you're

1353
01:14:07.479 --> 01:14:09.680
<v Speaker 2>not going to live up to the terms, you have

1354
01:14:09.840 --> 01:14:16.800
<v Speaker 2>really screwed yourself. Now, can anyone help me? Listen to

1355
01:14:16.840 --> 01:14:24.880
<v Speaker 2>this one? Get rid of Bluetooth speaker? Can any help

1356
01:14:24.920 --> 01:14:29.119
<v Speaker 2>me get rid of Bluetooth speaker on bus or non

1357
01:14:29.199 --> 01:14:34.680
<v Speaker 2>Bluetooth ones? I want to connect to it. Hold on,

1358
01:14:35.039 --> 01:14:37.439
<v Speaker 2>turn off, I'm going to read it exactly here. Let

1359
01:14:37.520 --> 01:14:40.279
<v Speaker 2>me just read it. Can anyone help me to get

1360
01:14:40.359 --> 01:14:44.439
<v Speaker 2>rid of bluetooth speaker on bus or non Bluetooth ones?

1361
01:14:44.880 --> 01:14:48.800
<v Speaker 2>I want to connect to it and turn off or freeze.

1362
01:14:48.840 --> 01:14:52.640
<v Speaker 2>Help me with hacking tool or codes. I am irritated

1363
01:14:52.960 --> 01:14:54.880
<v Speaker 2>by music they play while traveling.

1364
01:14:55.079 --> 01:14:57.720
<v Speaker 4>So he's a nut. What the hell do I don't

1365
01:14:57.720 --> 01:14:58.880
<v Speaker 4>even know what this means?

1366
01:14:59.039 --> 01:15:01.800
<v Speaker 14>You to turn off somebody else's Bluetooth speaker. They must

1367
01:15:01.840 --> 01:15:02.920
<v Speaker 14>be playing it somewhere.

1368
01:15:03.479 --> 01:15:04.920
<v Speaker 4>Oh, a hack or something.

1369
01:15:05.119 --> 01:15:09.199
<v Speaker 2>Okay, you know it takes a nut to know a nut.

1370
01:15:10.159 --> 01:15:13.479
<v Speaker 4>Okay, I'm still trying to reboot. I still hold on dragon.

1371
01:15:13.560 --> 01:15:14.600
<v Speaker 4>Explain that to me again.

1372
01:15:14.800 --> 01:15:17.159
<v Speaker 14>So he's sitting on a bus and say somebody another

1373
01:15:17.159 --> 01:15:20.479
<v Speaker 14>passenger has a Bluetooth speaker playing music that he does

1374
01:15:20.520 --> 01:15:24.119
<v Speaker 14>not like. Oh, he wants to turn off that bluetooth speaker.

1375
01:15:25.239 --> 01:15:27.319
<v Speaker 5>I mean that's eating Walk over there and turn it off.

1376
01:15:29.319 --> 01:15:31.000
<v Speaker 5>I don't know how else he would do that. What

1377
01:15:31.000 --> 01:15:31.800
<v Speaker 5>else would do.

1378
01:15:32.239 --> 01:15:34.840
<v Speaker 2>Is Chopper is chop? Chopper's not there is he He's

1379
01:15:34.880 --> 01:15:39.439
<v Speaker 2>just online? Chopper. Listen to this question. I got what's

1380
01:15:39.479 --> 01:15:43.479
<v Speaker 2>the difference between a Huey helicopter pilot and a regular

1381
01:15:43.479 --> 01:15:45.520
<v Speaker 2>helicopter pilot. I thought it was like a joke and

1382
01:15:45.560 --> 01:15:47.000
<v Speaker 2>I was going to have a punchline. But it's not.

1383
01:15:47.880 --> 01:15:48.920
<v Speaker 4>There is no difference.

1384
01:15:49.359 --> 01:15:52.479
<v Speaker 2>I mean pilots, helicopter pods or helicopter pods. You can

1385
01:15:52.479 --> 01:15:54.239
<v Speaker 2>almost fly anyone you put you sit in.

1386
01:15:54.239 --> 01:15:56.279
<v Speaker 4>Except for one, I would, except for one.

1387
01:15:56.439 --> 01:15:58.960
<v Speaker 2>What what? What? What were you going to say, Mark?

1388
01:15:59.079 --> 01:16:00.800
<v Speaker 4>I was going to say the and they fly around

1389
01:16:00.840 --> 01:16:01.920
<v Speaker 4>the president.

1390
01:16:01.479 --> 01:16:04.159
<v Speaker 2>And that one with the two Oh my god, isn't

1391
01:16:04.159 --> 01:16:06.479
<v Speaker 2>there two pilots? Here's like one you know, I don't

1392
01:16:06.520 --> 01:16:09.239
<v Speaker 2>actually know Chopper. It was he in the military. I

1393
01:16:09.239 --> 01:16:14.159
<v Speaker 2>don't know those things. They're like two separate helicopters, the

1394
01:16:14.199 --> 01:16:17.560
<v Speaker 2>front and the back. I can't even imagine one pilot

1395
01:16:17.600 --> 01:16:23.880
<v Speaker 2>flying that Obama.

1396
01:16:20.680 --> 01:16:21.199
<v Speaker 4>Well, it's.

1397
01:16:24.159 --> 01:16:26.760
<v Speaker 6>It's called a k it's a dual rotor blader.

1398
01:16:26.960 --> 01:16:29.520
<v Speaker 2>Yeah, but but no, it's more than dual rotor.

1399
01:16:29.239 --> 01:16:32.640
<v Speaker 6>Bro A rotor blade is a blade in front in

1400
01:16:32.680 --> 01:16:33.039
<v Speaker 6>the back.

1401
01:16:34.600 --> 01:16:34.800
<v Speaker 15>Yeah.

1402
01:16:34.840 --> 01:16:39.159
<v Speaker 2>But there's there's two complete motors engines or maybe four,

1403
01:16:39.239 --> 01:16:43.279
<v Speaker 2>two in each. No, seriously, it's like crazy. I want

1404
01:16:43.319 --> 01:16:45.960
<v Speaker 2>to know. Okay, I'll just.

1405
01:16:46.039 --> 01:16:49.359
<v Speaker 5>Ask my Actually, Marine one, hold on, Marine one is

1406
01:16:49.399 --> 01:16:56.760
<v Speaker 5>not a chinook. It's a Squadron one h m X

1407
01:16:57.039 --> 01:16:58.319
<v Speaker 5>one Nighthawk.

1408
01:17:00.199 --> 01:17:02.640
<v Speaker 2>I'm just asking, does it take two pilots to fly

1409
01:17:02.800 --> 01:17:06.239
<v Speaker 2>a Chinook helicopter? I should know that he.

1410
01:17:06.760 --> 01:17:08.279
<v Speaker 4>Looks like old school compared to this.

1411
01:17:08.479 --> 01:17:11.359
<v Speaker 2>No, I'm not talking about I'm not talking about copilot,

1412
01:17:11.439 --> 01:17:14.319
<v Speaker 2>you know, for safety. I'm talking It says it requires

1413
01:17:14.359 --> 01:17:18.720
<v Speaker 2>two pilots. The crew for a chinook generally consists of

1414
01:17:18.720 --> 01:17:23.520
<v Speaker 2>two pilots and two crew members the effective management of

1415
01:17:23.600 --> 01:17:30.359
<v Speaker 2>these complex systems. The tandem rotor is a separate Gosh, oh, Mike,

1416
01:17:30.520 --> 01:17:31.119
<v Speaker 2>you're flying to.

1417
01:17:31.239 --> 01:17:34.199
<v Speaker 4>Hell that Marine one is not a chinook or not

1418
01:17:34.319 --> 01:17:34.840
<v Speaker 4>a dual.

1419
01:17:35.000 --> 01:17:37.800
<v Speaker 6>Uh oh, it looks like a ball.

1420
01:17:38.039 --> 01:17:38.359
<v Speaker 5>You know what.

1421
01:17:38.520 --> 01:17:39.560
<v Speaker 4>Here's what's weird.

1422
01:17:39.640 --> 01:17:43.239
<v Speaker 5>I'm totally screwing this up because Marine one is whatever

1423
01:17:43.279 --> 01:17:45.840
<v Speaker 5>they hell the President said, it doesn't matter what kind

1424
01:17:45.880 --> 01:17:49.359
<v Speaker 5>of helicopter it is. So Actually, they do have some

1425
01:17:49.560 --> 01:17:51.800
<v Speaker 5>Marine ones that are dual that are chinooks.

1426
01:17:53.279 --> 01:17:53.840
<v Speaker 2>Yeah.

1427
01:17:53.920 --> 01:17:56.760
<v Speaker 5>If he's in a chinook, the president, if Biden is

1428
01:17:56.920 --> 01:17:57.840
<v Speaker 5>that's Marine one.

1429
01:17:59.079 --> 01:18:00.640
<v Speaker 2>Yeah, they call it that when he gets in it

1430
01:18:00.760 --> 01:18:02.359
<v Speaker 2>on his normal motor transportation.

1431
01:18:02.800 --> 01:18:04.680
<v Speaker 4>It is from the White House to the airport.

1432
01:18:05.319 --> 01:18:05.399
<v Speaker 7>What.

1433
01:18:07.119 --> 01:18:11.159
<v Speaker 6>No, I've never seen the president walk out of a Chanook.

1434
01:18:11.359 --> 01:18:14.840
<v Speaker 5>I saw him fly over Obama, going from somewhere around

1435
01:18:14.920 --> 01:18:18.119
<v Speaker 5>DA or whatever the Air Force base is over to

1436
01:18:18.239 --> 01:18:19.560
<v Speaker 5>Boulder years ago.

1437
01:18:19.720 --> 01:18:24.840
<v Speaker 4>And it was the most awesome thing I've seen. Man, Okay, they.

1438
01:18:24.720 --> 01:18:28.079
<v Speaker 7>Hold like eighty passes choo looks like it has Pirrone's disease.

1439
01:18:30.079 --> 01:18:33.640
<v Speaker 2>Man. There, it's so I'm asking how like like I

1440
01:18:33.680 --> 01:18:37.000
<v Speaker 2>wish i'd taught. I'm sure people listening the Chinook used

1441
01:18:37.039 --> 01:18:43.600
<v Speaker 2>this complex mechanical mixing units, so one could theoretically Jesus,

1442
01:18:43.720 --> 01:18:47.319
<v Speaker 2>I mean it coordinates front and back and one could

1443
01:18:47.359 --> 01:18:48.359
<v Speaker 2>theoretically do it.

1444
01:18:48.439 --> 01:18:49.960
<v Speaker 4>I couldn't even imagine.

1445
01:18:50.119 --> 01:18:54.920
<v Speaker 2>I can't even imagine the complexity of that one thing. Obviously,

1446
01:18:55.039 --> 01:18:57.600
<v Speaker 2>Well I don't know. I shouldn't say obviously. Anyway, Tim,

1447
01:18:57.600 --> 01:19:02.359
<v Speaker 2>what is your question on car insurance? Go ahead, sir Tim?

1448
01:19:02.760 --> 01:19:03.279
<v Speaker 4>Oh?

1449
01:19:03.359 --> 01:19:07.479
<v Speaker 11>Yes, hey Tim. And the reason I'm calling we got

1450
01:19:07.520 --> 01:19:16.600
<v Speaker 11>some insurance coverage costs for automotive residential and we waited

1451
01:19:16.640 --> 01:19:19.880
<v Speaker 11>for a little bit before we decided to go ahead

1452
01:19:19.920 --> 01:19:21.760
<v Speaker 11>and have them do the coverage.

1453
01:19:22.159 --> 01:19:24.760
<v Speaker 2>Now, this was a combined policy, right, and not a

1454
01:19:25.119 --> 01:19:27.640
<v Speaker 2>not one policy, but I mean a group policy, right,

1455
01:19:27.680 --> 01:19:30.720
<v Speaker 2>with everything on with one company.

1456
01:19:31.439 --> 01:19:33.720
<v Speaker 11>Yes, it was all the same but they are all

1457
01:19:33.760 --> 01:19:35.319
<v Speaker 11>separate policies.

1458
01:19:35.119 --> 01:19:40.039
<v Speaker 2>Right, they're separate policies but the same underwriter. Yes, and

1459
01:19:40.119 --> 01:19:42.399
<v Speaker 2>it's home. And how many cars?

1460
01:19:44.199 --> 01:19:48.039
<v Speaker 11>There were four automobiles, one resident and one rental.

1461
01:19:48.840 --> 01:19:51.560
<v Speaker 2>Oh okay, so tell what about it?

1462
01:19:53.119 --> 01:19:58.000
<v Speaker 11>Well, they decided they wouldn't give us the coverage and

1463
01:19:58.079 --> 01:20:01.039
<v Speaker 11>it wasn't from anything that on any record.

1464
01:20:01.159 --> 01:20:04.279
<v Speaker 2>Wait a minute, they they they said, we changed our mind.

1465
01:20:05.000 --> 01:20:07.760
<v Speaker 2>Did they ever bind you, did they send you anything

1466
01:20:08.159 --> 01:20:11.399
<v Speaker 2>or did you just talk to them about it? No?

1467
01:20:11.479 --> 01:20:14.079
<v Speaker 11>We talked to them and then we got the gout

1468
01:20:14.159 --> 01:20:16.760
<v Speaker 11>in writing the costs and the coverages and all.

1469
01:20:16.800 --> 01:20:18.840
<v Speaker 4>How much is the cost?

1470
01:20:20.119 --> 01:20:23.319
<v Speaker 11>Well, the one for the uh for the residential?

1471
01:20:24.159 --> 01:20:24.960
<v Speaker 4>No, I mean, ohkay?

1472
01:20:25.079 --> 01:20:27.279
<v Speaker 2>Did you did you get one cost or did you

1473
01:20:27.279 --> 01:20:30.520
<v Speaker 2>get four three different costs? Oh?

1474
01:20:30.560 --> 01:20:32.600
<v Speaker 11>I got some some other covers.

1475
01:20:33.039 --> 01:20:35.720
<v Speaker 2>No? No, what I mean is this? You got home, auto,

1476
01:20:36.039 --> 01:20:39.039
<v Speaker 2>and rental. Did they break it down as three estimates

1477
01:20:39.159 --> 01:20:40.840
<v Speaker 2>or did they break it down or did they just

1478
01:20:40.880 --> 01:20:42.920
<v Speaker 2>give you one estimate? Or did you get one for

1479
01:20:43.000 --> 01:20:45.399
<v Speaker 2>each car, one for the home and one for the rental.

1480
01:20:46.880 --> 01:20:49.640
<v Speaker 11>We got one for each car, one one each for

1481
01:20:49.680 --> 01:20:50.239
<v Speaker 11>each word, So.

1482
01:20:50.279 --> 01:20:57.279
<v Speaker 2>You in essence have six estimates. Yes, okay, okay, So

1483
01:20:57.359 --> 01:20:59.359
<v Speaker 2>tell me what did they add up to.

1484
01:21:02.399 --> 01:21:02.960
<v Speaker 11>Cost wise?

1485
01:21:03.640 --> 01:21:05.760
<v Speaker 2>Yeah, I'm just curious what they all added up to.

1486
01:21:06.399 --> 01:21:09.640
<v Speaker 11>For each for each one, okay, well we had two

1487
01:21:09.720 --> 01:21:13.920
<v Speaker 11>thirty four dollars on Well, I'm not.

1488
01:21:13.880 --> 01:21:15.119
<v Speaker 2>Going to add him up on the air if you

1489
01:21:15.159 --> 01:21:17.119
<v Speaker 2>haven't added him up, that's okay. I don't want to

1490
01:21:17.119 --> 01:21:19.640
<v Speaker 2>go through each one right now. So, uh, the reason

1491
01:21:19.720 --> 01:21:22.039
<v Speaker 2>there's a reason I'm asking, by the way, and I

1492
01:21:22.079 --> 01:21:28.680
<v Speaker 2>also want to know who's the carriers.

1493
01:21:25.960 --> 01:21:29.439
<v Speaker 11>The foremost insurance group, And.

1494
01:21:29.359 --> 01:21:32.199
<v Speaker 2>That's okay, foremost is the is the broker?

1495
01:21:34.079 --> 01:21:37.680
<v Speaker 11>No that the broker would No, that's not the broker.

1496
01:21:37.840 --> 01:21:38.920
<v Speaker 2>That is your carrier.

1497
01:21:40.560 --> 01:21:41.560
<v Speaker 11>That would be the carrier.

1498
01:21:41.800 --> 01:21:45.800
<v Speaker 2>Yeah, and okay, and then they said we changed our mind.

1499
01:21:46.840 --> 01:21:50.760
<v Speaker 11>Right, they've told the broker that the cost of insurance

1500
01:21:50.840 --> 01:21:55.680
<v Speaker 11>is going up so high. Right, there's coverage that the

1501
01:21:55.800 --> 01:21:59.000
<v Speaker 11>coverage on the on the house was seven hundred thousand,

1502
01:21:59.760 --> 01:22:02.439
<v Speaker 11>and and they said that they're not going to do

1503
01:22:02.479 --> 01:22:04.600
<v Speaker 11>anything more than five hundred thousand.

1504
01:22:05.000 --> 01:22:07.319
<v Speaker 2>Well you could never do that, of course, of course not.

1505
01:22:08.600 --> 01:22:09.760
<v Speaker 11>Yeah that's what I thought too.

1506
01:22:10.039 --> 01:22:12.039
<v Speaker 4>So what are you did you have?

1507
01:22:12.159 --> 01:22:15.159
<v Speaker 2>You heard us talk about compass insurance and the insurance

1508
01:22:15.239 --> 01:22:20.439
<v Speaker 2>check up no, I have no Let me explain it

1509
01:22:20.439 --> 01:22:22.159
<v Speaker 2>to you because I want to get him on and

1510
01:22:22.199 --> 01:22:25.079
<v Speaker 2>I want to do a live example. No obligation to you,

1511
01:22:25.439 --> 01:22:29.239
<v Speaker 2>no cost to you whatsoever. I want them to run

1512
01:22:29.319 --> 01:22:33.199
<v Speaker 2>numbers during the show. And actually, Tim.

1513
01:22:33.039 --> 01:22:34.520
<v Speaker 4>I do have a question though, So.

1514
01:22:34.439 --> 01:22:38.399
<v Speaker 5>They they they binded you, and then they came back

1515
01:22:38.439 --> 01:22:41.680
<v Speaker 5>and said, what no homeowners right, or they wouldn't cover.

1516
01:22:41.520 --> 01:22:43.560
<v Speaker 2>It up to the seven hundred. I don't think he

1517
01:22:43.600 --> 01:22:45.560
<v Speaker 2>ever had a binder. I think he had an estimate.

1518
01:22:45.600 --> 01:22:47.119
<v Speaker 2>But go ahead, and well.

1519
01:22:46.800 --> 01:22:50.000
<v Speaker 4>That's what I'm asking. Did they bind you?

1520
01:22:50.640 --> 01:22:51.199
<v Speaker 11>They they'll know.

1521
01:22:51.479 --> 01:22:53.840
<v Speaker 4>So what is your What was your main question?

1522
01:22:53.960 --> 01:22:54.119
<v Speaker 9>Though?

1523
01:22:54.159 --> 01:22:55.399
<v Speaker 4>Are they allowed to do that?

1524
01:22:58.359 --> 01:22:59.399
<v Speaker 11>I don't know? That's why?

1525
01:22:59.560 --> 01:23:02.199
<v Speaker 2>No, No, that are you asking? Why did you call us?

1526
01:23:02.279 --> 01:23:05.399
<v Speaker 2>Is what Mark's asking? Are you calling because you think

1527
01:23:05.439 --> 01:23:07.279
<v Speaker 2>they did you wrong by canceling?

1528
01:23:09.439 --> 01:23:14.000
<v Speaker 11>Well, I expected to be able to purchase the insurance

1529
01:23:14.039 --> 01:23:17.319
<v Speaker 11>company for the amount that was on the policy, but.

1530
01:23:17.319 --> 01:23:20.359
<v Speaker 2>You did, but you don't have It depends you didn't.

1531
01:23:20.399 --> 01:23:23.560
<v Speaker 2>I don't think you had a contract. But even with

1532
01:23:23.640 --> 01:23:28.800
<v Speaker 2>a contract, insurance is still cancelable by the company. With us,

1533
01:23:28.960 --> 01:23:31.119
<v Speaker 2>they'd have to bind you for at least I think

1534
01:23:31.159 --> 01:23:32.119
<v Speaker 2>thirty days or something.

1535
01:23:32.159 --> 01:23:34.039
<v Speaker 5>It's say thirty or sixty. That's what I was going

1536
01:23:34.119 --> 01:23:35.800
<v Speaker 5>to say. So the bottom line is, I don't care

1537
01:23:35.800 --> 01:23:39.279
<v Speaker 5>if it's State Farmer. The people at Compass. What happens

1538
01:23:39.399 --> 01:23:41.880
<v Speaker 5>is they go ahead, they get the you know, the

1539
01:23:41.960 --> 01:23:45.119
<v Speaker 5>original okay from the insurance company. Even if it is

1540
01:23:45.159 --> 01:23:49.319
<v Speaker 5>the insurance company like State Farm, and they bind you immediately.

1541
01:23:49.399 --> 01:23:52.560
<v Speaker 5>You should never cancel your coverage with the other company

1542
01:23:52.600 --> 01:23:55.720
<v Speaker 5>at that point because what can happen is they can

1543
01:23:55.800 --> 01:23:58.600
<v Speaker 5>come back and do exactly what they did to you, Tim,

1544
01:23:58.760 --> 01:23:59.960
<v Speaker 5>and there's nothing illegal.

1545
01:24:00.560 --> 01:24:03.560
<v Speaker 4>I don't even know if there's anything wrong. Let's find out.

1546
01:24:03.600 --> 01:24:04.119
<v Speaker 4>Let's call.

1547
01:24:04.279 --> 01:24:08.159
<v Speaker 2>Let's get Compass on the line. And Paula has an

1548
01:24:08.199 --> 01:24:11.079
<v Speaker 2>insurance question too, so hang on, both of you. Let's

1549
01:24:11.079 --> 01:24:14.239
<v Speaker 2>get Compass Insurance on three oh three seven one three

1550
01:24:14.319 --> 01:24:17.039
<v Speaker 2>talks seven one three eight two five five. We may

1551
01:24:17.079 --> 01:24:19.199
<v Speaker 2>also want to get Joe Kanna on for the life

1552
01:24:19.239 --> 01:24:22.319
<v Speaker 2>insurance question, because he does know a lot about life insurance.

1553
01:24:22.319 --> 01:24:25.640
<v Speaker 2>Renew home Innovations dot Com for your beautiful shower conversions.

1554
01:24:25.960 --> 01:24:29.159
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1555
01:24:29.199 --> 01:24:33.720
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1556
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1557
01:24:35.479 --> 01:24:38.960
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1558
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1559
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1560
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1561
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<v Speaker 2>Oh man, I'm having a brain fart, but I'm gonna

1562
01:24:53.479 --> 01:24:54.800
<v Speaker 2>give it to you right now. Hold on and no,

1563
01:24:55.359 --> 01:25:06.119
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1564
01:25:06.239 --> 01:25:09.960
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1565
01:25:10.039 --> 01:25:15.760
<v Speaker 2>You don't pay a cent until you're content. Time for

1566
01:25:15.800 --> 01:25:19.560
<v Speaker 2>an insurance check up free, no obligation comparison call Compass

1567
01:25:19.600 --> 01:25:22.880
<v Speaker 2>Insurance paying too much your coverage at dozens of insurance

1568
01:25:22.880 --> 01:25:25.359
<v Speaker 2>companies find out now three all three seven to seven

1569
01:25:25.399 --> 01:25:28.119
<v Speaker 2>to one help. You'll think you're his only customer when

1570
01:25:28.159 --> 01:25:30.680
<v Speaker 2>you choose Frank durand the real estate Man dot com

1571
01:25:30.680 --> 01:25:33.760
<v Speaker 2>to list your home with Remax Alliance three all three

1572
01:25:33.880 --> 01:25:42.439
<v Speaker 2>nine two zero sixteen twenty two. Hi Tom Martino, your

1573
01:25:42.520 --> 01:25:46.760
<v Speaker 2>troubleshooter three O three seven one three talk seven one

1574
01:25:46.800 --> 01:25:48.000
<v Speaker 2>three eight two five.

1575
01:25:48.319 --> 01:25:50.560
<v Speaker 4>So I want to talk to uh.

1576
01:25:51.600 --> 01:25:55.439
<v Speaker 2>We want to get what wants to who is this

1577
01:25:55.560 --> 01:25:58.800
<v Speaker 2>po oh, Jeremy, I didn't know what. But so Paul

1578
01:25:58.840 --> 01:26:03.760
<v Speaker 2>wants to talk about spark smart bunny. I've heard those commercials, Jeremy. First, Jeremy,

1579
01:26:03.760 --> 01:26:07.039
<v Speaker 2>Compass Insurance Group. Listen to this one. Okay, So Tim

1580
01:26:07.159 --> 01:26:10.760
<v Speaker 2>was going out looking for insurance. He's now, Tim, was

1581
01:26:10.840 --> 01:26:13.479
<v Speaker 2>this your regular carrier or was it a new company

1582
01:26:13.479 --> 01:26:15.640
<v Speaker 2>that was giving you a quote?

1583
01:26:16.119 --> 01:26:17.199
<v Speaker 11>That was a new carrier?

1584
01:26:17.680 --> 01:26:18.039
<v Speaker 6>All right?

1585
01:26:18.319 --> 01:26:21.880
<v Speaker 2>He went to a new carrier called Foremost Insurance Group

1586
01:26:22.760 --> 01:26:25.319
<v Speaker 2>and they gave him an estimate for his home, four

1587
01:26:25.359 --> 01:26:29.920
<v Speaker 2>cars and a rental. Okay, he liked it, so he said,

1588
01:26:29.960 --> 01:26:33.319
<v Speaker 2>let's do it. Then he heard from them and they said, no,

1589
01:26:33.359 --> 01:26:35.199
<v Speaker 2>we're not going to do it. That was after he

1590
01:26:35.239 --> 01:26:43.439
<v Speaker 2>had gotten prices. Had you paid anything? Tim, Tim?

1591
01:26:44.039 --> 01:26:45.920
<v Speaker 11>No, I had not paid anything at all?

1592
01:26:46.000 --> 01:26:46.479
<v Speaker 2>All right?

1593
01:26:46.560 --> 01:26:49.199
<v Speaker 4>So what I imagine they're allowed to do that?

1594
01:26:49.319 --> 01:26:49.479
<v Speaker 9>Right?

1595
01:26:49.600 --> 01:26:51.199
<v Speaker 2>Change their mind, Jeremy, What do you think?

1596
01:26:52.359 --> 01:26:55.880
<v Speaker 9>I think what probably happened was whoever gave him the

1597
01:26:56.000 --> 01:27:00.399
<v Speaker 9>quote didn't complete the quote, and when he said I

1598
01:27:00.399 --> 01:27:04.000
<v Speaker 9>want to go with it, they completed it, ran all

1599
01:27:04.000 --> 01:27:07.560
<v Speaker 9>the reports, it became ineligible for one reason or another,

1600
01:27:08.359 --> 01:27:12.520
<v Speaker 9>and they're just not explaining what happened, because that can happen.

1601
01:27:12.720 --> 01:27:13.680
<v Speaker 9>I don't think it would.

1602
01:27:13.760 --> 01:27:16.159
<v Speaker 2>I mean, when you quote something, you can change your

1603
01:27:16.199 --> 01:27:19.000
<v Speaker 2>mind if you didn't give them a policy yet, right.

1604
01:27:20.479 --> 01:27:23.079
<v Speaker 9>Yeah, I mean an insurance company at any point if

1605
01:27:23.119 --> 01:27:27.039
<v Speaker 9>the policies not bound, can change their underwriting guidelines and

1606
01:27:27.119 --> 01:27:30.920
<v Speaker 9>it might not be eligible anymore. That can happen. But

1607
01:27:30.960 --> 01:27:33.399
<v Speaker 9>it's much more likely the quote.

1608
01:27:33.039 --> 01:27:34.720
<v Speaker 11>He received just wasn't a.

1609
01:27:34.720 --> 01:27:38.399
<v Speaker 9>Completed quote and it turned out he was ineligible for

1610
01:27:38.479 --> 01:27:39.239
<v Speaker 9>whatever reason.

1611
01:27:39.760 --> 01:27:44.079
<v Speaker 2>That. Yeah, the agent. The agent was trying to make

1612
01:27:44.119 --> 01:27:45.880
<v Speaker 2>a deal and when it went to the higher ups,

1613
01:27:45.920 --> 01:27:46.920
<v Speaker 2>they said, we can't do it.

1614
01:27:47.439 --> 01:27:50.399
<v Speaker 5>Hey, how long do you have to bind somebody in

1615
01:27:50.520 --> 01:27:53.840
<v Speaker 5>Colorado for like all the carriers you guys deal with

1616
01:27:53.880 --> 01:27:57.359
<v Speaker 5>in case in case the carrier rejects it after a while.

1617
01:28:00.039 --> 01:28:03.479
<v Speaker 9>If it's bound, there's a thirty day underwriting period. Okay,

1618
01:28:03.680 --> 01:28:06.520
<v Speaker 9>So the underwriter can they can send out an inspector

1619
01:28:06.560 --> 01:28:09.479
<v Speaker 9>and they could say, hey, no, this roof is falling off. Yep,

1620
01:28:09.640 --> 01:28:11.560
<v Speaker 9>we need to have it replaced.

1621
01:28:11.600 --> 01:28:12.960
<v Speaker 2>They got it, okay, But but.

1622
01:28:13.359 --> 01:28:16.399
<v Speaker 5>If you canceled your other insurance, I thought they had

1623
01:28:16.439 --> 01:28:18.199
<v Speaker 5>to give you a certain amount of time to find

1624
01:28:18.239 --> 01:28:19.680
<v Speaker 5>a new one.

1625
01:28:19.920 --> 01:28:22.079
<v Speaker 9>Do Yeah, so they have to give you they have

1626
01:28:22.119 --> 01:28:25.439
<v Speaker 9>to do that inspection within thirty days. Then from whatever

1627
01:28:25.560 --> 01:28:27.359
<v Speaker 9>date they give you notice, they have to give you

1628
01:28:27.399 --> 01:28:30.399
<v Speaker 9>another thirty days to find new insurance.

1629
01:28:30.800 --> 01:28:32.680
<v Speaker 2>Okay, here's what I want to know. Then, I mean,

1630
01:28:32.720 --> 01:28:36.159
<v Speaker 2>that all makes sense to me. So it's it's a

1631
01:28:36.159 --> 01:28:39.000
<v Speaker 2>binding process. But he didn't even get bound. I don't

1632
01:28:39.000 --> 01:28:41.720
<v Speaker 2>think he got bound. I think they just quoted him.

1633
01:28:42.119 --> 01:28:44.520
<v Speaker 2>So what I want to know, though, I want to

1634
01:28:44.520 --> 01:28:48.000
<v Speaker 2>do a live comparison right now, and I want him

1635
01:28:48.000 --> 01:28:49.880
<v Speaker 2>to talk to you off the air and before the

1636
01:28:49.960 --> 01:28:52.399
<v Speaker 2>end of the show. I would like to know what

1637
01:28:52.600 --> 01:28:54.960
<v Speaker 2>you guys, the best thing you guys can find since

1638
01:28:55.000 --> 01:28:59.159
<v Speaker 2>insurance a compass insurance does these checkups, they tell you

1639
01:28:59.199 --> 01:29:01.079
<v Speaker 2>if they can do a job or not. They just

1640
01:29:01.119 --> 01:29:02.960
<v Speaker 2>tell you straight up, we can beat what you have

1641
01:29:03.119 --> 01:29:05.960
<v Speaker 2>or we can And he has nothing right now. But

1642
01:29:06.000 --> 01:29:07.680
<v Speaker 2>I just want to know for the hell of it.

1643
01:29:08.079 --> 01:29:11.640
<v Speaker 2>This sounds like he can probably give you enough information

1644
01:29:11.720 --> 01:29:13.319
<v Speaker 2>that you can give him an estimate.

1645
01:29:13.079 --> 01:29:16.359
<v Speaker 11>Right sure, yeah, absolutely, yeah.

1646
01:29:16.439 --> 01:29:19.960
<v Speaker 2>We're talking about a home, four cars, and a rental.

1647
01:29:21.279 --> 01:29:24.239
<v Speaker 2>And by the way, he said his house was valued

1648
01:29:24.279 --> 01:29:27.199
<v Speaker 2>at about seven hundred and foremost will only go to

1649
01:29:27.279 --> 01:29:29.800
<v Speaker 2>five hundred. Now, did they say they would only go

1650
01:29:29.840 --> 01:29:32.640
<v Speaker 2>to five hundred because of your home, tim or be

1651
01:29:32.640 --> 01:29:34.279
<v Speaker 2>because that's their limit.

1652
01:29:35.680 --> 01:29:38.199
<v Speaker 11>Because that was their limits. But there's some said that

1653
01:29:38.279 --> 01:29:41.159
<v Speaker 11>in Colorado they're not going to ensure anything more than

1654
01:29:41.560 --> 01:29:42.479
<v Speaker 11>five hundred thousand.

1655
01:29:42.640 --> 01:29:46.479
<v Speaker 5>Yeah, State Farm in some areas will only do a million.

1656
01:29:47.279 --> 01:29:51.640
<v Speaker 2>Okay, So Tim, hang on, Kachina. I want you to

1657
01:29:52.600 --> 01:29:55.439
<v Speaker 2>get Tim's number for Jeremy, but I want him to

1658
01:29:55.479 --> 01:29:58.479
<v Speaker 2>stay on right now because we have a question from

1659
01:29:58.520 --> 01:30:01.920
<v Speaker 2>PAULA about life insurance. And maybe you don't oh wait, wait,

1660
01:30:02.159 --> 01:30:06.319
<v Speaker 2>this is about a death certificate. But let's go to

1661
01:30:06.359 --> 01:30:09.720
<v Speaker 2>Paul with a you want to talk Paul about smart

1662
01:30:09.720 --> 01:30:11.920
<v Speaker 2>Bunny real quick, go ahead, and then I'll go to Paul.

1663
01:30:12.359 --> 01:30:14.960
<v Speaker 2>So Paul, right now, go ahead, Paul, Paul.

1664
01:30:15.479 --> 01:30:18.760
<v Speaker 16>I've heard of these commercials recently, quite a few on

1665
01:30:19.159 --> 01:30:23.520
<v Speaker 16>radio about smart Bunny insurance. I asked Jeremy, what is

1666
01:30:23.560 --> 01:30:25.920
<v Speaker 16>this a full service company or is it just for

1667
01:30:26.439 --> 01:30:30.199
<v Speaker 16>supplemental insurance, travel insurance or disaster.

1668
01:30:29.800 --> 01:30:31.800
<v Speaker 6>And supplemental and that kind of thing.

1669
01:30:33.439 --> 01:30:34.279
<v Speaker 16>That's a quick answer.

1670
01:30:34.319 --> 01:30:34.880
<v Speaker 11>Supplemental.

1671
01:30:34.920 --> 01:30:39.399
<v Speaker 5>Well, it's life insurance, phone insurance, final expenses for death,

1672
01:30:39.600 --> 01:30:43.119
<v Speaker 5>renters insurance, travel insurance is that what it is?

1673
01:30:43.159 --> 01:30:46.920
<v Speaker 2>Mark, Yeah, so it's not regular insurance.

1674
01:30:47.279 --> 01:30:50.199
<v Speaker 9>No, okay, okay, yeah, I got you.

1675
01:30:50.319 --> 01:30:52.760
<v Speaker 2>Yeah, Jeremy, have you heard of smart Bunny?

1676
01:30:54.359 --> 01:30:57.039
<v Speaker 9>I haven't, to be honest with you, we don't do

1677
01:30:57.119 --> 01:31:01.520
<v Speaker 9>anything with supplement policies and be something we would have,

1678
01:31:01.760 --> 01:31:04.680
<v Speaker 9>but just personally, I have not actually heard about.

1679
01:31:04.479 --> 01:31:09.279
<v Speaker 2>It's it started out with phone insurance, by the way,

1680
01:31:09.800 --> 01:31:11.319
<v Speaker 2>phone insurance, yeah.

1681
01:31:11.159 --> 01:31:12.119
<v Speaker 4>All State does one.

1682
01:31:12.159 --> 01:31:14.239
<v Speaker 5>I forget what they call it, but all State has

1683
01:31:14.680 --> 01:31:15.840
<v Speaker 5>something very similar.

1684
01:31:16.720 --> 01:31:16.920
<v Speaker 9>Yeah.

1685
01:31:17.159 --> 01:31:20.680
<v Speaker 2>Well that's how they started, you know, to use it

1686
01:31:20.720 --> 01:31:22.159
<v Speaker 2>to you know, say that again.

1687
01:31:22.239 --> 01:31:26.800
<v Speaker 9>Called covers it too. The visa card.

1688
01:31:27.640 --> 01:31:31.000
<v Speaker 4>Oh cool, wait your phone?

1689
01:31:31.359 --> 01:31:34.039
<v Speaker 16>Yeah, I mean not for losing it, but for damage

1690
01:31:34.039 --> 01:31:37.039
<v Speaker 16>to the phone. If I pay with my Wells Fargo card. Yeah,

1691
01:31:37.119 --> 01:31:42.319
<v Speaker 16>every month, it covers uh, the replacement of the repair.

1692
01:31:42.000 --> 01:31:44.119
<v Speaker 9>Of the phone if it is damaged.

1693
01:31:44.199 --> 01:31:47.279
<v Speaker 5>And my venture X does the same thing town, but

1694
01:31:47.319 --> 01:31:48.920
<v Speaker 5>I think mine includes theft too.

1695
01:31:50.479 --> 01:31:54.119
<v Speaker 2>You know, phone insurance is not a bad idea, and

1696
01:31:54.159 --> 01:31:57.800
<v Speaker 2>I came to that. I came to that conclusion with

1697
01:31:57.840 --> 01:32:01.479
<v Speaker 2>my two kids. I mean, oh my god, no.

1698
01:32:01.840 --> 01:32:03.039
<v Speaker 4>Really, it's not a bad idea.

1699
01:32:03.079 --> 01:32:05.479
<v Speaker 2>Now we have a deductible though, I mean I had

1700
01:32:05.520 --> 01:32:07.960
<v Speaker 2>to pay for his phone. But it's it was ony

1701
01:32:08.119 --> 01:32:12.359
<v Speaker 2>twelve dollars phone for the Promax and all that. And listen,

1702
01:32:12.840 --> 01:32:15.920
<v Speaker 2>I only, I say only I paid two thirty to

1703
01:32:16.000 --> 01:32:21.479
<v Speaker 2>get it replaced. I don't know, but because he left

1704
01:32:21.520 --> 01:32:24.000
<v Speaker 2>it on his car hood and took off. So anyway,

1705
01:32:25.199 --> 01:32:29.760
<v Speaker 2>that is that is that is what that is, smart bunny.

1706
01:32:29.800 --> 01:32:33.600
<v Speaker 2>They started with phones and they moved into other auxiliary places.

1707
01:32:34.520 --> 01:32:36.119
<v Speaker 4>Okay, so thank you Jeremy.

1708
01:32:36.159 --> 01:32:39.640
<v Speaker 2>By the way, Compass Insurance Group, the Insurance Health Center

1709
01:32:40.159 --> 01:32:42.279
<v Speaker 2>dot com three h three nine ninety six nine thousand,

1710
01:32:42.600 --> 01:32:44.760
<v Speaker 2>let's have you back, try to be before the end

1711
01:32:44.800 --> 01:32:46.239
<v Speaker 2>of the show to give us an idea of what

1712
01:32:46.279 --> 01:32:48.479
<v Speaker 2>that would cost. And Tim, I'd like to get your

1713
01:32:48.520 --> 01:32:51.760
<v Speaker 2>impression on the process of doing that because we always

1714
01:32:51.800 --> 01:32:56.079
<v Speaker 2>talk about the insurance help Center and the free insurance checkup. Paula,

1715
01:32:56.119 --> 01:32:58.600
<v Speaker 2>I'm going to come right back to you. Promise you

1716
01:32:58.720 --> 01:33:06.840
<v Speaker 2>right after this go with a sure thing Denver's Best

1717
01:33:06.920 --> 01:33:09.800
<v Speaker 2>roofer Excel Roofing dot com. You don't pay a cent

1718
01:33:10.000 --> 01:33:16.079
<v Speaker 2>until you're content time for an insurance check up free,

1719
01:33:16.159 --> 01:33:19.880
<v Speaker 2>no obligation. In comparison, call Compass Insurance paying too much

1720
01:33:20.000 --> 01:33:22.960
<v Speaker 2>your coverage at dozens of insurance companies find out now

1721
01:33:23.000 --> 01:33:25.520
<v Speaker 2>three all three seven seven to one. Help. You'll think

1722
01:33:25.560 --> 01:33:28.119
<v Speaker 2>you're his only customer when you choose Frank durand the

1723
01:33:28.159 --> 01:33:30.800
<v Speaker 2>real estate man dot Com to list your home with

1724
01:33:30.920 --> 01:33:34.439
<v Speaker 2>Remax Alliance three oh three nine two zero sixteen twenty two.

1725
01:33:42.600 --> 01:33:47.079
<v Speaker 2>Hi Tom Martino, you're a troubleshooter three oh three seven

1726
01:33:47.119 --> 01:33:49.479
<v Speaker 2>one three talk three oh three seven one three eight

1727
01:33:49.520 --> 01:33:54.239
<v Speaker 2>two five five Paula, Hi, Paula, what's going on with you? Hello?

1728
01:33:54.359 --> 01:33:58.119
<v Speaker 17>Paula, ye, are can you hear me out on me?

1729
01:33:58.239 --> 01:34:00.319
<v Speaker 2>I can hear you? Just find what's going on on?

1730
01:34:01.720 --> 01:34:04.439
<v Speaker 17>Okay? So, my brother in law just passed away through

1731
01:34:04.600 --> 01:34:08.800
<v Speaker 17>about three weeks ago, and my sister's trying to see

1732
01:34:08.840 --> 01:34:12.520
<v Speaker 17>if her insurance will pay for the life insurance policy

1733
01:34:12.560 --> 01:34:15.239
<v Speaker 17>that she thought she had. They're saying it was just

1734
01:34:15.560 --> 01:34:17.279
<v Speaker 17>covering accidental death.

1735
01:34:18.560 --> 01:34:21.319
<v Speaker 2>It was life insurance only for accidental death. Is that

1736
01:34:21.359 --> 01:34:22.079
<v Speaker 2>what they told you?

1737
01:34:23.479 --> 01:34:31.079
<v Speaker 17>Yes? Hmm, okay, So unless the coroner rules that it

1738
01:34:31.119 --> 01:34:34.800
<v Speaker 17>was an accident, they will not pay it. So we're

1739
01:34:34.880 --> 01:34:38.920
<v Speaker 17>trying to figure out what we need to do because well, hold.

1740
01:34:38.720 --> 01:34:41.119
<v Speaker 2>On, how exactly did it happen?

1741
01:34:41.199 --> 01:34:43.800
<v Speaker 18>By the way, he.

1742
01:34:43.640 --> 01:34:47.199
<v Speaker 17>Was eating a hamburger and she choked.

1743
01:34:48.800 --> 01:34:55.439
<v Speaker 2>And did they say what did they say it was? Well,

1744
01:34:55.520 --> 01:34:57.840
<v Speaker 2>what are they claiming it's anything? Or are they just

1745
01:34:58.000 --> 01:35:00.319
<v Speaker 2>asking you?

1746
01:35:00.319 --> 01:35:03.680
<v Speaker 17>No, they're claiming the coroner said that he doesn't believe

1747
01:35:03.720 --> 01:35:06.600
<v Speaker 17>it was an accident because he had difficulties swallowing.

1748
01:35:07.399 --> 01:35:09.720
<v Speaker 2>But wouldn't that be an accident? Or are they saying

1749
01:35:09.720 --> 01:35:12.119
<v Speaker 2>it's a health issue.

1750
01:35:13.199 --> 01:35:16.640
<v Speaker 17>They just said that they consider that natural causes.

1751
01:35:19.920 --> 01:35:21.079
<v Speaker 4>Natural causes?

1752
01:35:22.399 --> 01:35:22.760
<v Speaker 2>Okay?

1753
01:35:23.600 --> 01:35:23.800
<v Speaker 19>Why?

1754
01:35:24.319 --> 01:35:24.600
<v Speaker 9>Yeah?

1755
01:35:24.640 --> 01:35:31.279
<v Speaker 17>And I looked on the CDC Corners Handbook thing and

1756
01:35:31.319 --> 01:35:36.479
<v Speaker 17>it says natural is due solely, ordinarily totally to disease

1757
01:35:37.039 --> 01:35:44.119
<v Speaker 17>and or aging process accident. It says there's little or

1758
01:35:44.159 --> 01:35:49.920
<v Speaker 17>no evidence that the injury or processing or poisoning occurred

1759
01:35:50.560 --> 01:35:52.800
<v Speaker 17>with intent to harm or cause death.

1760
01:35:53.880 --> 01:35:56.479
<v Speaker 2>Yeah, what do you think, guys?

1761
01:35:56.840 --> 01:36:03.239
<v Speaker 4>Doc? Deputy doc, he's coming, he's coming. What was the question, Tom?

1762
01:36:03.720 --> 01:36:07.720
<v Speaker 2>Well, he choked and she has accidental death insurance? Is

1763
01:36:07.760 --> 01:36:11.760
<v Speaker 2>that accidental death? They're saying it could be a health issue?

1764
01:36:11.800 --> 01:36:15.479
<v Speaker 2>Because what are they saying like he had a problem?

1765
01:36:16.239 --> 01:36:18.840
<v Speaker 2>Get me, I don't understand why there's go ahead.

1766
01:36:20.039 --> 01:36:22.399
<v Speaker 17>Yeah, my sister tasted me this morning and she said

1767
01:36:22.399 --> 01:36:24.840
<v Speaker 17>that the coroner does not believe it was an accident

1768
01:36:24.920 --> 01:36:26.800
<v Speaker 17>because he had difficulties swallowing.

1769
01:36:28.840 --> 01:36:30.800
<v Speaker 5>You know who would know about this because I buy

1770
01:36:30.800 --> 01:36:34.119
<v Speaker 5>a policy through him, Tom is John Joneses.

1771
01:36:34.760 --> 01:36:37.920
<v Speaker 4>Okay, let's talk to you, Kelly. Let's get in Tagron.

1772
01:36:39.319 --> 01:36:41.479
<v Speaker 2>That's a good one. That's a good one.

1773
01:36:42.039 --> 01:36:45.239
<v Speaker 5>Because it's coming down to what the coroner says. I mean,

1774
01:36:45.279 --> 01:36:48.239
<v Speaker 5>it is curious if you had don't some people, as

1775
01:36:48.279 --> 01:36:51.560
<v Speaker 5>they get older, maybe dementia, stuff like that, literally swallow

1776
01:36:51.600 --> 01:36:54.039
<v Speaker 5>their tongues and die. Well, no, you can't swallow your

1777
01:36:54.079 --> 01:36:56.920
<v Speaker 5>tongue really, now, Okay, I always thought that I really did.

1778
01:36:57.239 --> 01:36:59.359
<v Speaker 2>Yeah, yeah, I used to hear that too. That's a myth.

1779
01:36:59.760 --> 01:37:01.399
<v Speaker 6>R Smith, try it. You can't.

1780
01:37:01.479 --> 01:37:03.359
<v Speaker 7>There's no way to get your tongue well all the

1781
01:37:03.359 --> 01:37:04.600
<v Speaker 7>way back.

1782
01:37:04.640 --> 01:37:05.199
<v Speaker 17>It would work.

1783
01:37:05.600 --> 01:37:06.920
<v Speaker 4>No, in my luck, it would work.

1784
01:37:07.039 --> 01:37:08.880
<v Speaker 7>But if she had it, if she did have a

1785
01:37:08.920 --> 01:37:13.720
<v Speaker 7>pre existing disease, like some sort of esophageal or swallowing issue,

1786
01:37:14.640 --> 01:37:16.960
<v Speaker 7>it would That's the only way they could not call

1787
01:37:17.000 --> 01:37:18.079
<v Speaker 7>it accidental.

1788
01:37:18.399 --> 01:37:20.960
<v Speaker 6>But those those diseases are very.

1789
01:37:20.840 --> 01:37:22.159
<v Speaker 4>Rare, I wonder.

1790
01:37:22.239 --> 01:37:24.760
<v Speaker 2>And then here's the other question, Tom, So it's most

1791
01:37:24.920 --> 01:37:27.000
<v Speaker 2>likely accidental as well, I think so.

1792
01:37:27.119 --> 01:37:30.479
<v Speaker 5>Yeah, But does it come down does it purely come

1793
01:37:30.520 --> 01:37:32.920
<v Speaker 5>down when it comes to cause of death and the

1794
01:37:33.000 --> 01:37:37.079
<v Speaker 5>insurance company and payouts. Is it purely whatever the morgue

1795
01:37:37.079 --> 01:37:40.720
<v Speaker 5>says or not the morgue what's yeah the coroner puts

1796
01:37:40.760 --> 01:37:41.800
<v Speaker 5>down on the desert.

1797
01:37:42.119 --> 01:37:45.039
<v Speaker 7>Yeah, because you know, you can always get a separate

1798
01:37:45.319 --> 01:37:49.479
<v Speaker 7>you can always have another autopsy done by an outside agent.

1799
01:37:49.680 --> 01:37:51.680
<v Speaker 5>I would think the big ones are like when they

1800
01:37:51.680 --> 01:37:55.199
<v Speaker 5>have a suicide clause and they're saying, no, it wasn't suicide.

1801
01:37:55.319 --> 01:37:58.199
<v Speaker 4>Someone murdered him. So it really does come down to

1802
01:37:58.239 --> 01:37:59.199
<v Speaker 4>whatever they say though.

1803
01:37:59.199 --> 01:38:00.800
<v Speaker 7>But you know, there are one two guys that are

1804
01:38:00.800 --> 01:38:04.520
<v Speaker 7>always on television that were corners in New York or California,

1805
01:38:05.039 --> 01:38:06.520
<v Speaker 7>and you can high you.

1806
01:38:06.479 --> 01:38:08.880
<v Speaker 4>Can always get I know one of them you're talking about.

1807
01:38:08.880 --> 01:38:09.199
<v Speaker 2>You.

1808
01:38:09.199 --> 01:38:11.880
<v Speaker 7>You can always get a second opinion on the cause

1809
01:38:11.920 --> 01:38:12.319
<v Speaker 7>of death.

1810
01:38:12.640 --> 01:38:15.079
<v Speaker 5>Well, let's let's take a break on time tom and

1811
01:38:15.119 --> 01:38:16.840
<v Speaker 5>then we'll come back and talk to the people.

1812
01:38:18.239 --> 01:38:20.800
<v Speaker 4>All right, thanks, we got more, I got something or other.

1813
01:38:25.920 --> 01:38:29.199
<v Speaker 2>Go with a sure thing Denver's Best Roofer Excel Roofing

1814
01:38:29.279 --> 01:38:31.920
<v Speaker 2>dot com. You don't pay a cent until you're content.

1815
01:38:35.319 --> 01:38:38.479
<v Speaker 2>Time for an insurance check up, free no obligation comparison

1816
01:38:38.640 --> 01:38:42.199
<v Speaker 2>call Compass insurance paying too much your coverage at dozens

1817
01:38:42.199 --> 01:38:43.199
<v Speaker 2>of insurance companies.

1818
01:38:43.279 --> 01:38:45.319
<v Speaker 4>Find out now three O three seven to seven to

1819
01:38:45.359 --> 01:38:45.880
<v Speaker 4>one help.

1820
01:38:46.039 --> 01:38:48.680
<v Speaker 2>You'll think you're his only customer when you choose Frank

1821
01:38:48.760 --> 01:38:51.199
<v Speaker 2>durand the real estate man dot com to list your

1822
01:38:51.239 --> 01:38:54.399
<v Speaker 2>home with Remax Alliance three oh three nine two zero

1823
01:38:54.479 --> 01:39:04.000
<v Speaker 2>sixteen twenty two. Hi Tom Martino, your troubleshooter three O

1824
01:39:04.159 --> 01:39:07.239
<v Speaker 2>three seven to one to three talk seven one three

1825
01:39:07.319 --> 01:39:12.640
<v Speaker 2>eight two five five. We're trying to get Integra on Paula.

1826
01:39:12.760 --> 01:39:16.399
<v Speaker 2>But this is you know, according to Deputy Doc, most

1827
01:39:16.479 --> 01:39:21.119
<v Speaker 2>choking deaths are accidental and there's very few and rare

1828
01:39:21.159 --> 01:39:24.039
<v Speaker 2>conditions where it would cause your husband or no, wait

1829
01:39:24.199 --> 01:39:27.359
<v Speaker 2>was this your husband? No, your brother in law to choke? Now?

1830
01:39:27.680 --> 01:39:29.199
<v Speaker 2>How much is the insurance policy?

1831
01:39:29.199 --> 01:39:32.479
<v Speaker 17>By the way, two hundred fifty thousand.

1832
01:39:33.199 --> 01:39:37.079
<v Speaker 2>That's a major deal. Did they show medical What did

1833
01:39:37.119 --> 01:39:42.039
<v Speaker 2>the coroner say? From all?

1834
01:39:42.239 --> 01:39:44.399
<v Speaker 17>From what I understood is that he just said it

1835
01:39:44.439 --> 01:39:47.520
<v Speaker 17>was natural causes because he had difficulties following.

1836
01:39:48.119 --> 01:39:52.640
<v Speaker 2>Well, what does that mean? Natural causes for difficulty? I mean, well, okay,

1837
01:39:52.960 --> 01:39:56.960
<v Speaker 2>all choking, I mean, couldn't all choking be that? What

1838
01:39:57.000 --> 01:40:00.239
<v Speaker 2>would be an accidental choking? Then see that's a I

1839
01:40:00.279 --> 01:40:03.439
<v Speaker 2>don't know what what does it mean? Difficulty? And it

1840
01:40:03.479 --> 01:40:06.359
<v Speaker 2>was natural. But but if I'm eating chicken or you know,

1841
01:40:06.439 --> 01:40:08.560
<v Speaker 2>like when somebody's at the restaurant, there's no one around

1842
01:40:08.640 --> 01:40:09.840
<v Speaker 2>to do the heimlech.

1843
01:40:09.760 --> 01:40:10.319
<v Speaker 4>They die.

1844
01:40:11.000 --> 01:40:13.600
<v Speaker 2>Yeah, that's accidental, right, Doc?

1845
01:40:14.279 --> 01:40:18.720
<v Speaker 7>Yeah, absolutely so unless he had if he was uh

1846
01:40:19.039 --> 01:40:21.760
<v Speaker 7>incompetent or had some kind of disease.

1847
01:40:22.039 --> 01:40:24.359
<v Speaker 2>Uh yeah, did he Did he have a disease or

1848
01:40:24.399 --> 01:40:25.039
<v Speaker 2>any kind.

1849
01:40:24.880 --> 01:40:28.960
<v Speaker 7>Of a disability where he was drooling and not able

1850
01:40:29.000 --> 01:40:30.600
<v Speaker 7>to control his muscles.

1851
01:40:30.279 --> 01:40:31.880
<v Speaker 4>Or or what do they call that?

1852
01:40:32.000 --> 01:40:32.239
<v Speaker 9>Doc?

1853
01:40:32.359 --> 01:40:32.680
<v Speaker 2>With that?

1854
01:40:33.319 --> 01:40:38.159
<v Speaker 4>Is it the i hatel or something you can but

1855
01:40:38.279 --> 01:40:39.079
<v Speaker 4>what is the condition?

1856
01:40:39.159 --> 01:40:41.880
<v Speaker 2>Maybe that's not it where food regurgitates Sometimes you'd be

1857
01:40:41.920 --> 01:40:49.239
<v Speaker 2>eat too fast and it's it's esophageal stricture. Did he

1858
01:40:49.319 --> 01:40:52.960
<v Speaker 2>ever have esophageal problems or any kind of problems with swallowing?

1859
01:40:55.880 --> 01:40:57.800
<v Speaker 17>He's choked a few times before, but.

1860
01:40:58.039 --> 01:41:03.279
<v Speaker 2>It's okay, he diagnosed with any condition that would cause.

1861
01:41:03.039 --> 01:41:05.399
<v Speaker 17>That, not that they know of.

1862
01:41:08.439 --> 01:41:10.000
<v Speaker 6>How do you think this acid.

1863
01:41:09.720 --> 01:41:11.640
<v Speaker 4>Reflux isn't that kind of a form.

1864
01:41:11.479 --> 01:41:13.760
<v Speaker 6>Of massive reflux? Is something different?

1865
01:41:14.319 --> 01:41:17.239
<v Speaker 7>Okay, that's where acid from his stomach gets a little

1866
01:41:17.239 --> 01:41:20.199
<v Speaker 7>bit up into your esophagus and gives you heartburn. So

1867
01:41:20.279 --> 01:41:23.399
<v Speaker 7>it's not a related issue. But I would think that

1868
01:41:23.600 --> 01:41:27.079
<v Speaker 7>dumb even if even if it was. I mean, does

1869
01:41:27.079 --> 01:41:29.680
<v Speaker 7>that say someone who has a heart attack because he

1870
01:41:29.720 --> 01:41:34.039
<v Speaker 7>had coronary auto disease isn't covered by life insurance because

1871
01:41:34.079 --> 01:41:34.760
<v Speaker 7>he held.

1872
01:41:34.640 --> 01:41:37.359
<v Speaker 2>It's not life insurance, doc. He wouldn't be covered though,

1873
01:41:37.439 --> 01:41:40.880
<v Speaker 2>by accidental life insurance. See, the heart attack was not

1874
01:41:40.960 --> 01:41:43.720
<v Speaker 2>an a right, right, So it's not whether or not

1875
01:41:43.760 --> 01:41:48.079
<v Speaker 2>he died, it's whether or not it's covered by accidental death.

1876
01:41:48.439 --> 01:41:51.119
<v Speaker 7>Oh so this guy did not have a regular life

1877
01:41:51.119 --> 01:41:52.479
<v Speaker 7>insurance policy.

1878
01:41:52.920 --> 01:41:55.159
<v Speaker 17>Right, No, it was just accidental.

1879
01:41:57.840 --> 01:42:00.680
<v Speaker 2>You know, we had it. We got to get someone

1880
01:42:00.720 --> 01:42:02.680
<v Speaker 2>on about this, Paula, This.

1881
01:42:02.399 --> 01:42:07.000
<v Speaker 12>Is bo Why don't you try to contact another corner

1882
01:42:07.319 --> 01:42:10.479
<v Speaker 12>and get a different opinion on the cause.

1883
01:42:11.600 --> 01:42:12.920
<v Speaker 2>Because I don't think you're allowed to.

1884
01:42:13.119 --> 01:42:15.960
<v Speaker 6>Yeah, I'm sure you can always get a second or top.

1885
01:42:16.039 --> 01:42:18.159
<v Speaker 4>Well, unless they cremated.

1886
01:42:18.399 --> 01:42:21.319
<v Speaker 6>Yeah, I mean how long ago did this happen, Paula?

1887
01:42:21.520 --> 01:42:26.079
<v Speaker 17>Yes, I think he's already been cremated.

1888
01:42:26.800 --> 01:42:28.960
<v Speaker 2>But here's what I need to know, Paula. Did they

1889
01:42:29.119 --> 01:42:32.640
<v Speaker 2>delve into his medical records or just came up with

1890
01:42:32.680 --> 01:42:33.880
<v Speaker 2>this out of their ass.

1891
01:42:35.439 --> 01:42:38.960
<v Speaker 17>No, I'm sure they dealt with his medical records before

1892
01:42:39.159 --> 01:42:46.239
<v Speaker 17>because he had suffered some symptoms from leg surgery. He

1893
01:42:46.239 --> 01:42:50.000
<v Speaker 17>had knee surgery and he had all kinds of problems

1894
01:42:50.000 --> 01:42:53.359
<v Speaker 17>with that and he ended up having a stroke. But

1895
01:42:53.439 --> 01:42:56.479
<v Speaker 17>he was recovering from that. I mean, he was fine.

1896
01:42:57.279 --> 01:43:00.760
<v Speaker 2>But did the choke incidents happened? Hold on, did the

1897
01:43:00.880 --> 01:43:04.079
<v Speaker 2>choking incidents happen after the stroke?

1898
01:43:07.199 --> 01:43:09.239
<v Speaker 17>I think once before and once after.

1899
01:43:10.920 --> 01:43:13.199
<v Speaker 2>Well, I think I think they're going to try to

1900
01:43:13.239 --> 01:43:15.520
<v Speaker 2>make it sound like a condition of some kind and

1901
01:43:15.560 --> 01:43:17.119
<v Speaker 2>it wasn't accidental.

1902
01:43:18.680 --> 01:43:21.279
<v Speaker 17>And I think the main thing is because he had

1903
01:43:21.399 --> 01:43:24.079
<v Speaker 17>dentures that he did not wear. He didn't like. He

1904
01:43:24.119 --> 01:43:26.680
<v Speaker 17>didn't like him because they hurt. He would never eat

1905
01:43:26.800 --> 01:43:27.840
<v Speaker 17>with just ds in.

1906
01:43:28.079 --> 01:43:30.880
<v Speaker 2>Well, that could be accidental, and I mean that doesn't matter,

1907
01:43:30.960 --> 01:43:33.439
<v Speaker 2>that's not it's not suicide. I mean, he didn't say

1908
01:43:33.479 --> 01:43:36.399
<v Speaker 2>I'm gonna I'm gonna gut in this chicken to die.

1909
01:43:36.800 --> 01:43:42.239
<v Speaker 2>I mean, but here's the here's the problem is once

1910
01:43:42.359 --> 01:43:45.439
<v Speaker 2>it's contested like that, you have to appeal it.

1911
01:43:45.840 --> 01:43:48.439
<v Speaker 4>And And now, by the way, just so you know.

1912
01:43:49.199 --> 01:43:53.439
<v Speaker 2>It's they have hell to pay if they withhold payment

1913
01:43:53.840 --> 01:43:58.399
<v Speaker 2>unjustly I'm wondering if we could just maybe put some

1914
01:43:58.439 --> 01:44:01.319
<v Speaker 2>pressure on him, call them and say we're looking into it,

1915
01:44:02.119 --> 01:44:04.880
<v Speaker 2>if they would get like a little.

1916
01:44:04.439 --> 01:44:05.159
<v Speaker 4>You know what I'm saying.

1917
01:44:05.199 --> 01:44:09.159
<v Speaker 2>Sometimes that's all it takes is an inquiry from the media.

1918
01:44:10.079 --> 01:44:11.640
<v Speaker 2>But I don't know.

1919
01:44:11.520 --> 01:44:13.319
<v Speaker 4>If he were, if it was accidental or not.

1920
01:44:13.880 --> 01:44:16.359
<v Speaker 2>Why are you guys saying it's accidental other than you

1921
01:44:16.399 --> 01:44:18.880
<v Speaker 2>want the money and I'm serious about that. What other

1922
01:44:18.960 --> 01:44:20.720
<v Speaker 2>than that? Why are you saying it's accidental.

1923
01:44:21.840 --> 01:44:24.680
<v Speaker 17>Well, he was in his bedroom meeting a Hamburger by himself,

1924
01:44:25.079 --> 01:44:30.199
<v Speaker 17>and he actually did pull out the device that they

1925
01:44:30.239 --> 01:44:34.119
<v Speaker 17>have or choking. It's like a thunder team. He pulled

1926
01:44:34.159 --> 01:44:37.399
<v Speaker 17>that out and he was trying to get it out himself.

1927
01:44:37.439 --> 01:44:40.359
<v Speaker 2>Wait a minute, That bothers me that you said he

1928
01:44:40.479 --> 01:44:47.199
<v Speaker 2>had a device for choking. Why hold on then, I'm

1929
01:44:47.239 --> 01:44:49.600
<v Speaker 2>this is sounding chronic to me. Hold on, we'll come back.

1930
01:44:49.840 --> 01:44:53.119
<v Speaker 2>Go with a sure thing Denver's Best roofer Excel roofing

1931
01:44:53.199 --> 01:44:55.800
<v Speaker 2>dot com. You don't pay a cent until you're content

1932
01:44:59.199 --> 01:45:02.399
<v Speaker 2>time for a naturant check up free no obligation. In comparison,

1933
01:45:02.520 --> 01:45:06.079
<v Speaker 2>call Compass insurance paying too much your coverage at dozens

1934
01:45:06.079 --> 01:45:08.840
<v Speaker 2>of insurance companies find out now three oh three seven

1935
01:45:08.920 --> 01:45:11.760
<v Speaker 2>seven to one help. You'll think you're his only customer

1936
01:45:11.800 --> 01:45:14.039
<v Speaker 2>when you choose Frank durand the real estate man dot

1937
01:45:14.079 --> 01:45:17.359
<v Speaker 2>com to list your home with Remax Alliance three all

1938
01:45:17.439 --> 01:45:19.319
<v Speaker 2>three nine two zero sixteen twenty two.

1939
01:45:20.600 --> 01:45:33.439
<v Speaker 1>Yeah, rip new need advise you don't have come run

1940
01:45:33.560 --> 01:45:38.479
<v Speaker 1>in siousestas as we can. Shooter's gonna help come.

1941
01:45:39.039 --> 01:45:45.760
<v Speaker 4>Max is the Troubleshooter Show Now Tom Martino, Hi.

1942
01:45:45.960 --> 01:45:50.520
<v Speaker 2>Tom Martino, Your Troubleshooter three O three seven one three

1943
01:45:50.640 --> 01:45:53.960
<v Speaker 2>talk three oh three seven one three eight two five five.

1944
01:45:54.039 --> 01:45:56.039
<v Speaker 2>Welcome to the only show of it's kind anywhere where

1945
01:45:56.039 --> 01:45:59.479
<v Speaker 2>we are doing everything we can to solve your problems.

1946
01:45:59.600 --> 01:46:05.199
<v Speaker 2>And let's see, we're talking about some very interesting things.

1947
01:46:05.199 --> 01:46:08.399
<v Speaker 4>How do you determine if a death was an accident?

1948
01:46:08.439 --> 01:46:13.199
<v Speaker 2>If it's choking, they have accidental death insurance, not regular insurance.

1949
01:46:13.840 --> 01:46:15.399
<v Speaker 4>But Paula said something that bothered me.

1950
01:46:15.479 --> 01:46:18.600
<v Speaker 2>She said he had been he was eating a because

1951
01:46:18.600 --> 01:46:21.000
<v Speaker 2>the insurance company is saying this was a medical problem,

1952
01:46:21.039 --> 01:46:24.600
<v Speaker 2>not an accident. When is a medical problem an accident?

1953
01:46:25.159 --> 01:46:25.439
<v Speaker 4>Never?

1954
01:46:26.640 --> 01:46:30.000
<v Speaker 2>Now, if you have a weak leg due to a

1955
01:46:30.039 --> 01:46:32.359
<v Speaker 2>stroke and you fall down the stairs, that would be

1956
01:46:32.359 --> 01:46:35.359
<v Speaker 2>an accident even though you had a stroke, right, but

1957
01:46:35.600 --> 01:46:43.039
<v Speaker 2>what happens if you choke? So they indicated that he

1958
01:46:43.159 --> 01:46:47.399
<v Speaker 2>had a problem swallowing in the past, the fact that

1959
01:46:47.439 --> 01:46:50.920
<v Speaker 2>he was in his bedroom eating alone. And then she

1960
01:46:51.079 --> 01:46:55.600
<v Speaker 2>said something that keyed me, and that was she grabbed

1961
01:46:55.800 --> 01:47:06.039
<v Speaker 2>for something. He grabbed for something that assists you in what.

1962
01:47:06.680 --> 01:47:09.079
<v Speaker 2>Tell me what he grabs? Some instrument he had?

1963
01:47:09.119 --> 01:47:10.319
<v Speaker 6>What was it? Tell him?

1964
01:47:10.319 --> 01:47:13.199
<v Speaker 7>It's a device that you put over your mouth. It's

1965
01:47:13.239 --> 01:47:16.680
<v Speaker 7>like a reverse pump and it creates a suction. And

1966
01:47:16.800 --> 01:47:21.359
<v Speaker 7>again it's recommended for seniors who are living alone, so

1967
01:47:21.439 --> 01:47:24.680
<v Speaker 7>that there's nobody who can help them if they're choking.

1968
01:47:26.199 --> 01:47:30.720
<v Speaker 6>There are multiple devices on the market.

1969
01:47:31.640 --> 01:47:35.560
<v Speaker 2>Okay, Still, though, the fact that he had it doesn't

1970
01:47:35.600 --> 01:47:38.520
<v Speaker 2>mean it's using What do you mean it doesn't mean anything? Well,

1971
01:47:38.760 --> 01:47:40.720
<v Speaker 2>that means that he anticipated choking.

1972
01:47:41.840 --> 01:47:46.079
<v Speaker 7>Well, no, it's like having a life alert thing. That

1973
01:47:46.119 --> 01:47:48.520
<v Speaker 7>doesn't mean you're going to use it. Okay, this means

1974
01:47:48.520 --> 01:47:51.600
<v Speaker 7>that let me mesk them. Do they recommended for people

1975
01:47:51.640 --> 01:47:52.239
<v Speaker 7>living alone?

1976
01:47:52.560 --> 01:47:59.439
<v Speaker 2>Do you have one? I don't why because good question,

1977
01:48:00.079 --> 01:48:06.760
<v Speaker 2>because you've never had a problem swallowing. If people are

1978
01:48:06.800 --> 01:48:08.520
<v Speaker 2>just tuning in, we're talking about choking.

1979
01:48:08.640 --> 01:48:09.319
<v Speaker 4>Yes, go ahead.

1980
01:48:10.600 --> 01:48:14.640
<v Speaker 17>If I mean, we've actually got one of these medical

1981
01:48:14.680 --> 01:48:19.000
<v Speaker 17>devices too for my grandchildren, just in case. It's just

1982
01:48:19.039 --> 01:48:19.720
<v Speaker 17>a precaution.

1983
01:48:21.000 --> 01:48:22.039
<v Speaker 4>Okay.

1984
01:48:23.279 --> 01:48:24.640
<v Speaker 2>I don't want to, you know, I don't want to

1985
01:48:24.640 --> 01:48:27.199
<v Speaker 2>make a case against you. I don't know what to do.

1986
01:48:27.439 --> 01:48:30.800
<v Speaker 2>This is a very strange situation. I think they're just

1987
01:48:30.800 --> 01:48:32.560
<v Speaker 2>trying to get out of paint. It is what I think.

1988
01:48:32.800 --> 01:48:35.000
<v Speaker 2>And I'd like to add another two hundred and fifty

1989
01:48:35.039 --> 01:48:38.239
<v Speaker 2>thousand dollars to our coffers and we keep track of

1990
01:48:38.239 --> 01:48:40.600
<v Speaker 2>what we do for people. I have a tendency to

1991
01:48:40.720 --> 01:48:43.560
<v Speaker 2>want to have somebody call. Maybe we have deputy DOT

1992
01:48:43.600 --> 01:48:46.119
<v Speaker 2>call because they can't BSM as easy.

1993
01:48:46.600 --> 01:48:48.520
<v Speaker 7>Do you have a copy of the of the of

1994
01:48:48.600 --> 01:48:50.640
<v Speaker 7>the autopsy report?

1995
01:48:52.479 --> 01:48:52.680
<v Speaker 9>Yeah?

1996
01:48:53.079 --> 01:48:55.640
<v Speaker 2>Okay, but what do we call? Do we call the

1997
01:48:55.840 --> 01:48:59.119
<v Speaker 2>corner or do we call the do we call the

1998
01:48:59.359 --> 01:49:00.000
<v Speaker 2>life insurance?

1999
01:49:00.119 --> 01:49:01.880
<v Speaker 5>Not going to get the corner to change it? He

2000
01:49:01.920 --> 01:49:04.640
<v Speaker 5>could care, wouldn't you say? In most cases the corner

2001
01:49:04.680 --> 01:49:06.760
<v Speaker 5>is just gonna put down what happened.

2002
01:49:06.760 --> 01:49:08.720
<v Speaker 6>He's not gonna he's not going to change what he

2003
01:49:08.760 --> 01:49:09.560
<v Speaker 6>put down the report.

2004
01:49:09.680 --> 01:49:11.880
<v Speaker 4>But if you or does he care if they get

2005
01:49:11.920 --> 01:49:12.840
<v Speaker 4>insurged whey or not?

2006
01:49:13.000 --> 01:49:18.239
<v Speaker 17>If the doctor changed it. Wait that again, the corner

2007
01:49:18.279 --> 01:49:20.359
<v Speaker 17>would change it if the doctor. It was up to

2008
01:49:20.399 --> 01:49:21.600
<v Speaker 17>the doctor. He said it.

2009
01:49:21.760 --> 01:49:23.359
<v Speaker 2>Well, what doctor we talked about?

2010
01:49:23.439 --> 01:49:25.119
<v Speaker 4>Hold on, this changes things again?

2011
01:49:25.560 --> 01:49:28.000
<v Speaker 2>What doctor he was under a doctor's care or a

2012
01:49:28.079 --> 01:49:29.520
<v Speaker 2>doctor came to the house, or what.

2013
01:49:32.119 --> 01:49:33.840
<v Speaker 19>Doctor in the emergency room?

2014
01:49:34.439 --> 01:49:40.720
<v Speaker 2>So hold on, hold on the doctor in the emergency room.

2015
01:49:40.800 --> 01:49:47.600
<v Speaker 2>So he didn't die in his bedroom exactally?

2016
01:49:47.680 --> 01:49:49.960
<v Speaker 19>Yes and no, because they brought him back.

2017
01:49:50.520 --> 01:49:52.439
<v Speaker 2>Okay, here's what I need to I don't want to

2018
01:49:52.439 --> 01:49:54.520
<v Speaker 2>know the technic that that brought him back. Here's what

2019
01:49:54.520 --> 01:49:57.000
<v Speaker 2>I want to know. Did he die in his bedroom

2020
01:49:57.600 --> 01:50:00.119
<v Speaker 2>or did did? Did an ambulance come and take make

2021
01:50:00.159 --> 01:50:01.680
<v Speaker 2>him to the r and was he awake?

2022
01:50:04.159 --> 01:50:08.079
<v Speaker 19>The ambulance took him to the R he was unconscious.

2023
01:50:07.399 --> 01:50:13.119
<v Speaker 2>Okay, but alive I doubt they transport a corpse to

2024
01:50:13.199 --> 01:50:13.720
<v Speaker 2>the er.

2025
01:50:13.840 --> 01:50:14.159
<v Speaker 6>Okay.

2026
01:50:14.199 --> 01:50:16.079
<v Speaker 4>So they took him to the er.

2027
01:50:16.520 --> 01:50:18.680
<v Speaker 2>And when he got to the er, did he ever

2028
01:50:18.720 --> 01:50:19.960
<v Speaker 2>regain consciousness?

2029
01:50:21.359 --> 01:50:21.720
<v Speaker 19>No?

2030
01:50:22.159 --> 01:50:25.640
<v Speaker 2>Okay, what do you mean they brought him back? You're

2031
01:50:25.640 --> 01:50:28.600
<v Speaker 2>saying they went to the bedroom, got a pulse going

2032
01:50:28.720 --> 01:50:34.000
<v Speaker 2>and then took him to er. Okay, So now he's

2033
01:50:34.039 --> 01:50:36.840
<v Speaker 2>at the er and the doctor's working on him.

2034
01:50:37.119 --> 01:50:39.920
<v Speaker 4>And what did that doctor write in his report.

2035
01:50:43.439 --> 01:50:44.920
<v Speaker 19>I don't know. We haven't seen it.

2036
01:50:45.439 --> 01:50:48.199
<v Speaker 2>Because the coroner seems to be basing what he is

2037
01:50:48.239 --> 01:50:53.520
<v Speaker 2>saying on that, because if he said history of an

2038
01:50:53.520 --> 01:50:57.920
<v Speaker 2>older gentleman with you know, bar farcas of the esophag

2039
01:50:58.000 --> 01:51:00.840
<v Speaker 2>gial hole, I don't know, whatever the name is given

2040
01:51:00.880 --> 01:51:03.640
<v Speaker 2>for whatever condition he might have. I'm not saying he

2041
01:51:03.680 --> 01:51:05.960
<v Speaker 2>had it, by the way, I'm saying if the er

2042
01:51:06.199 --> 01:51:10.279
<v Speaker 2>doc writes in a report something to that nature, looking

2043
01:51:10.319 --> 01:51:14.520
<v Speaker 2>at his past history, then the corners looking at it

2044
01:51:14.560 --> 01:51:16.279
<v Speaker 2>is could that be right, doc? Or am I?

2045
01:51:16.720 --> 01:51:16.920
<v Speaker 9>Yeah?

2046
01:51:17.079 --> 01:51:19.560
<v Speaker 7>Also, I'd like to know why they didn't do an

2047
01:51:19.560 --> 01:51:22.640
<v Speaker 7>emergency he had to be dead, because if he was

2048
01:51:22.960 --> 01:51:25.680
<v Speaker 7>so kind at a pulse, they would have done an

2049
01:51:25.680 --> 01:51:29.159
<v Speaker 7>emergency trache out of me, just put a whole Like

2050
01:51:29.199 --> 01:51:29.680
<v Speaker 7>you said, they.

2051
01:51:29.560 --> 01:51:31.560
<v Speaker 2>Did a trade hold on they did a trache out

2052
01:51:31.560 --> 01:51:31.720
<v Speaker 2>of me.

2053
01:51:33.000 --> 01:51:34.800
<v Speaker 6>No what I'm saying they would have, don't.

2054
01:51:35.159 --> 01:51:36.439
<v Speaker 2>She just said they did?

2055
01:51:36.560 --> 01:51:38.520
<v Speaker 17>Did they did?

2056
01:51:38.640 --> 01:51:38.760
<v Speaker 9>Right?

2057
01:51:38.840 --> 01:51:40.279
<v Speaker 19>Sure they did?

2058
01:51:41.279 --> 01:51:44.319
<v Speaker 2>Did they do that? Okay? So when they did that,

2059
01:51:44.479 --> 01:51:47.000
<v Speaker 2>did they hook up a breathing apparatus?

2060
01:51:49.640 --> 01:51:49.880
<v Speaker 10>Yes?

2061
01:51:50.840 --> 01:51:55.039
<v Speaker 2>Yes, So what happened? Why didn't they get past the

2062
01:51:55.039 --> 01:51:58.800
<v Speaker 2>the blockage? Then? If they did that, they.

2063
01:51:58.760 --> 01:52:01.479
<v Speaker 19>Couldn't find a scooke small not to fit to push

2064
01:52:01.520 --> 01:52:02.840
<v Speaker 19>the food through the trake.

2065
01:52:02.920 --> 01:52:07.920
<v Speaker 2>Ya wait a minute, but with the tracheotomy, he's breathing, right,

2066
01:52:08.359 --> 01:52:10.479
<v Speaker 2>that would give them time to do surgery. Right.

2067
01:52:13.479 --> 01:52:16.960
<v Speaker 7>Well, yeah, I mean, if he had any function left,

2068
01:52:17.319 --> 01:52:19.880
<v Speaker 7>the tracheotomy would allow air to go back and forth.

2069
01:52:20.039 --> 01:52:23.800
<v Speaker 4>And so that's what I'm asking was the was the lodge.

2070
01:52:24.159 --> 01:52:27.560
<v Speaker 2>Was the food lodged below where the trake was set

2071
01:52:27.760 --> 01:52:28.520
<v Speaker 2>or above it?

2072
01:52:30.159 --> 01:52:30.640
<v Speaker 19>Above it?

2073
01:52:31.399 --> 01:52:32.760
<v Speaker 4>Well, then why wouldn't.

2074
01:52:32.359 --> 01:52:35.800
<v Speaker 2>The trake allow air passage and life while they got

2075
01:52:35.840 --> 01:52:36.479
<v Speaker 2>the food out?

2076
01:52:36.720 --> 01:52:38.640
<v Speaker 6>Because it's already dead.

2077
01:52:40.239 --> 01:52:42.479
<v Speaker 2>That's what it's That's what it sounded like to me.

2078
01:52:43.199 --> 01:52:47.600
<v Speaker 2>When they lost the pulse, they did the trait correct,

2079
01:52:47.880 --> 01:52:50.600
<v Speaker 2>that was just the last ditch effort to keep him alive.

2080
01:52:51.000 --> 01:52:53.439
<v Speaker 2>But as Doc wondered, why didn't they do that in

2081
01:52:53.479 --> 01:52:54.039
<v Speaker 2>the beginning?

2082
01:52:54.239 --> 01:52:56.640
<v Speaker 6>But no, they they probably did as soon as he

2083
01:52:56.680 --> 01:52:57.119
<v Speaker 6>got there.

2084
01:52:57.880 --> 01:53:00.439
<v Speaker 2>They said no, they said they did it after he

2085
01:53:00.520 --> 01:53:03.680
<v Speaker 2>lost his pulse again or whatever.

2086
01:53:03.800 --> 01:53:05.600
<v Speaker 6>I don't I think we know. I think we need

2087
01:53:05.640 --> 01:53:06.920
<v Speaker 6>to get a copy of.

2088
01:53:06.920 --> 01:53:09.199
<v Speaker 2>Here's what I want to know. Who's entitled? Is there

2089
01:53:09.239 --> 01:53:10.279
<v Speaker 2>a hippo when you're dead?

2090
01:53:10.520 --> 01:53:16.720
<v Speaker 7>No, right, right, Doc, I don't know, get a copy

2091
01:53:16.760 --> 01:53:20.560
<v Speaker 7>of the the report and send it to us and

2092
01:53:20.600 --> 01:53:21.880
<v Speaker 7>we'll find out exactly what.

2093
01:53:21.880 --> 01:53:23.600
<v Speaker 6>The timeline is exactly.

2094
01:53:23.800 --> 01:53:26.239
<v Speaker 2>Our doctor said, why don't we Why don't we leave

2095
01:53:26.239 --> 01:53:28.279
<v Speaker 2>it at that? That that sounds good? I mean if

2096
01:53:28.319 --> 01:53:33.000
<v Speaker 2>we get I don't think hippa though, and I don't

2097
01:53:33.079 --> 01:53:34.279
<v Speaker 2>you won't have a problem with hippie.

2098
01:53:34.279 --> 01:53:35.079
<v Speaker 4>You're the next to kin.

2099
01:53:35.239 --> 01:53:37.319
<v Speaker 2>You do you have your sister? There is that who's

2100
01:53:37.399 --> 01:53:38.279
<v Speaker 2>on the phone with you?

2101
01:53:39.359 --> 01:53:40.239
<v Speaker 11>Yes, that's why?

2102
01:53:41.359 --> 01:53:42.399
<v Speaker 4>Okay, yeah, you know.

2103
01:53:43.199 --> 01:53:45.560
<v Speaker 2>By the way, when when did you say? This happened?

2104
01:53:49.439 --> 01:53:51.079
<v Speaker 17>About two to three weeks ago?

2105
01:53:51.159 --> 01:53:56.960
<v Speaker 2>Right, Sherry, I'm really sorry you lost your husband. This

2106
01:53:57.079 --> 01:54:00.680
<v Speaker 2>is terrible. I mean, this is totally on a expected too.

2107
01:54:01.000 --> 01:54:07.279
<v Speaker 2>How old was he? Oh my goodness, that's so young

2108
01:54:08.119 --> 01:54:15.439
<v Speaker 2>by today's standards. By the way, it says, medical records

2109
01:54:15.479 --> 01:54:18.880
<v Speaker 2>as relate to health, medical care, and death is protected

2110
01:54:18.960 --> 01:54:21.760
<v Speaker 2>under hippop for fifty years after death. What do you

2111
01:54:21.880 --> 01:54:28.359
<v Speaker 2>come on? Are you kidding me? Executors, administrators, or other

2112
01:54:28.479 --> 01:54:32.439
<v Speaker 2>individuals authorized by law may get medical records of the

2113
01:54:32.479 --> 01:54:36.640
<v Speaker 2>deceased person. I wonder if that was both family members

2114
01:54:36.880 --> 01:54:37.479
<v Speaker 2>will go ahead?

2115
01:54:37.720 --> 01:54:39.720
<v Speaker 6>I say, I wonder if that was put in after

2116
01:54:39.840 --> 01:54:41.319
<v Speaker 6>JFK got shot.

2117
01:54:42.479 --> 01:54:44.560
<v Speaker 2>It's a fifty year Well that's probably.

2118
01:54:44.319 --> 01:54:46.239
<v Speaker 6>Why, because of the JFK assassination.

2119
01:54:46.800 --> 01:54:49.319
<v Speaker 2>I'm not sure of that, because hippo really was short

2120
01:54:49.439 --> 01:54:54.000
<v Speaker 2>up during the AIDS epidemic, wasn't it, Doc, Or was

2121
01:54:54.000 --> 01:54:54.920
<v Speaker 2>it way before that?

2122
01:54:55.039 --> 01:54:55.640
<v Speaker 6>Was before that?

2123
01:54:56.000 --> 01:54:59.039
<v Speaker 7>I mean, like I said, I would I think it

2124
01:54:59.039 --> 01:55:03.279
<v Speaker 7>would be interesting to see if that particular line of

2125
01:55:03.319 --> 01:55:05.159
<v Speaker 7>code was put in after John F.

2126
01:55:05.239 --> 01:55:08.680
<v Speaker 6>Kennedy. But any in any way, we're getting off the topic.

2127
01:55:08.880 --> 01:55:11.239
<v Speaker 7>We need a copy of the EO report and then

2128
01:55:11.279 --> 01:55:14.319
<v Speaker 7>we can see who we need to call and whether

2129
01:55:14.399 --> 01:55:16.000
<v Speaker 7>or not there's any case to be made.

2130
01:55:17.159 --> 01:55:19.760
<v Speaker 2>Yeah, the first things first, I'm gonna put Deputy doc

2131
01:55:19.800 --> 01:55:23.760
<v Speaker 2>on this hip. It was passed in nineteen ninety six

2132
01:55:23.800 --> 01:55:30.039
<v Speaker 2>according to my girlfriend, and then they upped it during

2133
01:55:30.079 --> 01:55:35.319
<v Speaker 2>the AIDS epidemic, and they the privacy rule got stricter

2134
01:55:35.600 --> 01:55:42.439
<v Speaker 2>because people were being discriminated against for HIV, and it

2135
01:55:42.520 --> 01:55:47.800
<v Speaker 2>got even stronger in O nine and even stronger in

2136
01:55:47.800 --> 01:55:56.279
<v Speaker 2>twenty thirteen. So it's been an evolving law. So you're

2137
01:55:56.319 --> 01:56:00.760
<v Speaker 2>the one that can get it, Sherry for your des husband,

2138
01:56:01.800 --> 01:56:04.880
<v Speaker 2>And as I said, I'm very sorry this happened to you.

2139
01:56:05.359 --> 01:56:08.520
<v Speaker 2>The last thing you need on your mind is getting

2140
01:56:08.520 --> 01:56:13.720
<v Speaker 2>the money. Let's see what we can do for you. So, uh,

2141
01:56:14.239 --> 01:56:17.520
<v Speaker 2>make sure Kachina we get all the information for Deputy Doc,

2142
01:56:19.000 --> 01:56:19.640
<v Speaker 2>all right, and.

2143
01:56:19.880 --> 01:56:21.279
<v Speaker 4>Uh and we'll do what we can.

2144
01:56:22.079 --> 01:56:25.520
<v Speaker 2>And uh we can either call you a Paula or Sherry,

2145
01:56:25.560 --> 01:56:28.479
<v Speaker 2>whatever you guys want, but let's get the copy of

2146
01:56:28.520 --> 01:56:32.279
<v Speaker 2>that as soon as possible. Okay. Three oh three seven

2147
01:56:32.359 --> 01:56:36.640
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2148
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2149
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2150
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2151
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2152
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2157
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2158
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<v Speaker 2>the real estate man dot com to list your home

2159
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<v Speaker 2>with Remax Alliance three oh three nine two zero sixteen

2160
01:57:33.399 --> 01:57:43.239
<v Speaker 2>twenty two. I'm Tom Martino, your trouble shooter. Three oh

2161
01:57:43.359 --> 01:57:46.239
<v Speaker 2>three seven one three talk three oh three seven one

2162
01:57:46.279 --> 01:57:53.199
<v Speaker 2>three eight two five five. Well that this is this

2163
01:57:53.279 --> 01:57:57.359
<v Speaker 2>is another kind of medical problem. Maybe no, no, we

2164
01:57:57.439 --> 01:58:02.720
<v Speaker 2>don't know, Roger High, what's happening, Roger, Yeah.

2165
01:58:02.399 --> 01:58:06.800
<v Speaker 18>So yeah, so I got a little bit of a

2166
01:58:06.840 --> 01:58:14.840
<v Speaker 18>situation here where my stepson and his girlfriend, you know,

2167
01:58:14.880 --> 01:58:19.399
<v Speaker 18>they had relations and they could possibly be having a child.

2168
01:58:19.840 --> 01:58:22.800
<v Speaker 2>Okay, now you say possibly, you don't know if she's

2169
01:58:22.880 --> 01:58:23.600
<v Speaker 2>pregnant yet.

2170
01:58:24.319 --> 01:58:27.359
<v Speaker 18>We don't know yet. There's uh, there's been speculation on

2171
01:58:27.399 --> 01:58:30.399
<v Speaker 18>whether or not that she is. We're waiting for results

2172
01:58:30.439 --> 01:58:34.399
<v Speaker 18>on that. And because of this, there's been taught going

2173
01:58:34.439 --> 01:58:39.880
<v Speaker 18>around that because they're both minors, he's seventeen and she's sixteen,

2174
01:58:40.680 --> 01:58:45.560
<v Speaker 18>that the grandparents of the child on the father's side

2175
01:58:46.199 --> 01:58:48.399
<v Speaker 18>are going to be the ones that are fully financially

2176
01:58:48.479 --> 01:58:53.680
<v Speaker 18>responsible for the grandchild, and on the mother's end, nobody's

2177
01:58:53.800 --> 01:58:56.520
<v Speaker 18>financially responsible. I don't personally don't think.

2178
01:58:56.600 --> 01:58:59.720
<v Speaker 2>Hold on, hold on, Roger, Roger, let's let's let's dissect this.

2179
01:59:00.399 --> 01:59:04.359
<v Speaker 2>So let's say she's pregnant and you're saying, as a result,

2180
01:59:05.000 --> 01:59:08.920
<v Speaker 2>who said they're responsible? Or are you hearing legally? Because

2181
01:59:09.000 --> 01:59:14.880
<v Speaker 2>legally the people responsible, the only people responsible are the

2182
01:59:15.000 --> 01:59:18.439
<v Speaker 2>son and the daughter the girl. If they are miners,

2183
01:59:18.760 --> 01:59:20.279
<v Speaker 2>their parents have to step in.

2184
01:59:22.279 --> 01:59:26.920
<v Speaker 18>Yes, and that's the that's where we're having the issue

2185
01:59:27.039 --> 01:59:31.279
<v Speaker 18>is because they are miners. Yes, her parents are saying

2186
01:59:31.319 --> 01:59:34.239
<v Speaker 18>that they're not financially responsible for the grandchild, that we

2187
01:59:34.359 --> 01:59:37.359
<v Speaker 18>have to cover full cost of everything.

2188
01:59:38.159 --> 01:59:42.000
<v Speaker 2>Well wait, wait, they're saying, because the girl is a minor,

2189
01:59:42.840 --> 01:59:46.119
<v Speaker 2>that the seventeen year old boys parents have to take

2190
01:59:46.600 --> 01:59:47.319
<v Speaker 2>cover the bill.

2191
01:59:48.439 --> 01:59:50.840
<v Speaker 18>That's what they're saying. And I don't buy it. But no,

2192
01:59:50.920 --> 01:59:51.600
<v Speaker 18>I don't know the law.

2193
01:59:51.640 --> 01:59:53.960
<v Speaker 2>Well, of course not. I mean it. First of all,

2194
01:59:54.159 --> 01:59:57.399
<v Speaker 2>I'm not sure what the precedent is on law, but

2195
01:59:57.680 --> 02:00:03.359
<v Speaker 2>in general, in general, if your kids do damage, now

2196
02:00:03.439 --> 02:00:05.760
<v Speaker 2>this is not damage, but if they did damage, you're

2197
02:00:05.840 --> 02:00:10.119
<v Speaker 2>responsible for the damage your children did. Okay, to a

2198
02:00:10.279 --> 02:00:14.000
<v Speaker 2>certain extent, you're you're you're responsible for it.

2199
02:00:14.359 --> 02:00:18.079
<v Speaker 5>Well, it's pretty basic. It says if the parents are

2200
02:00:18.159 --> 02:00:22.199
<v Speaker 5>under eighteen and not emancipated, and in Colorado, you can't

2201
02:00:22.199 --> 02:00:27.359
<v Speaker 5>be when the child is conceived. Both sets of grandparents

2202
02:00:27.439 --> 02:00:32.439
<v Speaker 5>and parents are responsible for the child's support until the

2203
02:00:32.640 --> 02:00:34.199
<v Speaker 5>parents become of eighteen.

2204
02:00:36.399 --> 02:00:39.640
<v Speaker 2>And that that's what I just said, that both parents said.

2205
02:00:39.720 --> 02:00:42.039
<v Speaker 2>It wouldn't be just one or the other. The only

2206
02:00:42.079 --> 02:00:45.039
<v Speaker 2>thing that I was puzzled about, Mark, when you read

2207
02:00:45.079 --> 02:00:48.960
<v Speaker 2>that was you can't be emancipated. I didn't know that

2208
02:00:49.039 --> 02:00:49.800
<v Speaker 2>in Colorado. Yeah.

2209
02:00:49.800 --> 02:00:52.119
<v Speaker 5>I don't think he can in Colorado, but in certain states,

2210
02:00:52.199 --> 02:00:55.159
<v Speaker 5>like New Jersey, you can be emancipated, which means you

2211
02:00:55.239 --> 02:00:55.840
<v Speaker 5>are eighteen.

2212
02:00:55.920 --> 02:00:57.439
<v Speaker 4>I mean, as far as the law looks at it.

2213
02:00:57.640 --> 02:01:01.520
<v Speaker 2>So listen, Roger, what about this? Why did they say

2214
02:01:01.560 --> 02:01:03.199
<v Speaker 2>that because they don't have money.

2215
02:01:05.000 --> 02:01:09.359
<v Speaker 18>Yeah, they're not a very well off family. They've their

2216
02:01:09.399 --> 02:01:13.880
<v Speaker 18>whole family has had a lot of struggles throughout generations,

2217
02:01:14.119 --> 02:01:18.199
<v Speaker 18>and it just seems to follow generation after generation. Yeah, yeah, yeah, Okay,

2218
02:01:18.199 --> 02:01:20.159
<v Speaker 18>you know they're they're they're a welfare family.

2219
02:01:21.119 --> 02:01:24.000
<v Speaker 2>Okay, Well, obviously you let them off the hook.

2220
02:01:24.039 --> 02:01:26.640
<v Speaker 5>I mean, they know they can get on that social

2221
02:01:26.720 --> 02:01:27.600
<v Speaker 5>stuff that's off.

2222
02:01:27.760 --> 02:01:30.600
<v Speaker 2>I think here's what I think. Here's what would happen though.

2223
02:01:31.319 --> 02:01:34.640
<v Speaker 2>The girl would be eligible with the parents for medicaid. Okay,

2224
02:01:35.680 --> 02:01:38.800
<v Speaker 2>and probably and but but Medicaid may go after the

2225
02:01:38.920 --> 02:01:43.680
<v Speaker 2>dad for subrogation. Maybe I'm not sure about that, but

2226
02:01:43.880 --> 02:01:45.439
<v Speaker 2>I think she would be eligible.

2227
02:01:45.479 --> 02:01:47.000
<v Speaker 4>Are they on Medicaid right now?

2228
02:01:48.399 --> 02:01:50.039
<v Speaker 18>I don't see. I have no idea.

2229
02:01:50.119 --> 02:01:51.439
<v Speaker 11>I know very little about that.

2230
02:01:51.520 --> 02:01:53.560
<v Speaker 2>Well, you guys have to you have to start doing

2231
02:01:53.560 --> 02:01:56.159
<v Speaker 2>some homework, Roger, just wait a minute, Doc, you have

2232
02:01:56.239 --> 02:01:57.119
<v Speaker 2>to do some homework.

2233
02:01:57.119 --> 02:01:58.359
<v Speaker 4>But the bottom line is this.

2234
02:01:58.720 --> 02:02:01.960
<v Speaker 2>The bottom line is this that just because they say

2235
02:02:02.000 --> 02:02:04.520
<v Speaker 2>it doesn't make it so. Just because they don't have

2236
02:02:04.600 --> 02:02:07.600
<v Speaker 2>money doesn't get them off the hook. So the both

2237
02:02:07.640 --> 02:02:11.720
<v Speaker 2>of you, you and your wife, and their parents are

2238
02:02:12.159 --> 02:02:14.159
<v Speaker 2>and her parents are responsible.

2239
02:02:14.560 --> 02:02:17.359
<v Speaker 5>Now whatever public service they get right now, when they

2240
02:02:17.359 --> 02:02:20.079
<v Speaker 5>have another kid, it will extend to that kid. If

2241
02:02:20.079 --> 02:02:23.079
<v Speaker 5>they are her health insurance, it could be all of that. Yeah,

2242
02:02:23.079 --> 02:02:25.880
<v Speaker 5>but I don't know what happens if. I don't know

2243
02:02:25.920 --> 02:02:29.520
<v Speaker 5>what happens if the girl is eligible for Medicaid and

2244
02:02:29.600 --> 02:02:33.680
<v Speaker 5>has a child, if they look to the biological father.

2245
02:02:33.479 --> 02:02:35.279
<v Speaker 2>We got to figure that one out. What were you

2246
02:02:35.319 --> 02:02:37.319
<v Speaker 2>gonna say, doctor, Well, I.

2247
02:02:37.239 --> 02:02:39.800
<v Speaker 7>Don't understand why you're waiting to find out if she's pregnant.

2248
02:02:40.000 --> 02:02:43.239
<v Speaker 7>It takes about thirty seconds with the pregnancy test to

2249
02:02:43.319 --> 02:02:44.319
<v Speaker 7>find out if she is.

2250
02:02:44.239 --> 02:02:47.600
<v Speaker 2>A Yeah, what is that all about? I think what's happening?

2251
02:02:48.000 --> 02:02:52.000
<v Speaker 2>Who said she might be pregnant?

2252
02:02:52.119 --> 02:02:54.800
<v Speaker 18>It's the signs that she's showing that go along with

2253
02:02:54.840 --> 02:02:57.560
<v Speaker 18>the pregnancy. We're waiting for her to take a pregnancy

2254
02:02:57.600 --> 02:02:58.920
<v Speaker 18>test to find out for sure.

2255
02:02:59.159 --> 02:03:01.159
<v Speaker 2>Well what do you mean? Way, give me? Give me

2256
02:03:01.199 --> 02:03:03.319
<v Speaker 2>what you mean by waiting? What does this mean? Waiting?

2257
02:03:04.239 --> 02:03:06.720
<v Speaker 18>Were we told her she needs a pregnancy test and

2258
02:03:07.000 --> 02:03:09.640
<v Speaker 18>she said she'll get it to us on her time,

2259
02:03:10.039 --> 02:03:12.760
<v Speaker 18>So we're wait? Okay, I happened now force her to

2260
02:03:12.800 --> 02:03:14.600
<v Speaker 18>go down to the doctor and I can't force her

2261
02:03:14.600 --> 02:03:15.239
<v Speaker 18>to do it legally?

2262
02:03:15.319 --> 02:03:17.079
<v Speaker 4>Well, oh you got to do. All she's got to

2263
02:03:17.079 --> 02:03:18.399
<v Speaker 4>do is go to the dollar store.

2264
02:03:18.479 --> 02:03:19.880
<v Speaker 5>Quite frankly, it's one dollar?

2265
02:03:20.800 --> 02:03:24.399
<v Speaker 2>Yeah? Has she with Here's what I want to know

2266
02:03:24.439 --> 02:03:29.960
<v Speaker 2>it does? Okay, Now, regardless of what happens, they can

2267
02:03:30.000 --> 02:03:32.239
<v Speaker 2>probably come after your son for child support.

2268
02:03:32.279 --> 02:03:34.520
<v Speaker 4>You know that right. She might not even want the baby,

2269
02:03:34.720 --> 02:03:36.159
<v Speaker 4>She might not even be pregnant.

2270
02:03:37.159 --> 02:03:40.920
<v Speaker 2>So have they discussed have they discussed abortion?

2271
02:03:42.720 --> 02:03:45.880
<v Speaker 18>Uh? No, No, this has all come up pretty recently,

2272
02:03:46.000 --> 02:03:47.800
<v Speaker 18>so nothing's really been discussed.

2273
02:03:48.880 --> 02:03:49.960
<v Speaker 4>Call to get from yourself.

2274
02:03:50.880 --> 02:03:53.039
<v Speaker 18>Yeah, I'm just trying to cover my basis here, and

2275
02:03:53.319 --> 02:03:56.640
<v Speaker 18>I agree with you guys. It's gonna be the or

2276
02:03:56.680 --> 02:03:58.239
<v Speaker 18>the responsibility of all.

2277
02:03:58.039 --> 02:04:00.960
<v Speaker 4>Parties involved until the kids of age.

2278
02:04:01.680 --> 02:04:05.439
<v Speaker 18>Exactly, and that's going to be the That's kind of

2279
02:04:05.479 --> 02:04:06.640
<v Speaker 18>the premise that i'm.

2280
02:04:06.800 --> 02:04:09.720
<v Speaker 5>And funny enough, I did. I think I did mess

2281
02:04:09.840 --> 02:04:13.079
<v Speaker 5>up on that emancipation. So either they joined the military,

2282
02:04:13.159 --> 02:04:18.800
<v Speaker 5>Tom there's certain places where a miner can marry with

2283
02:04:18.920 --> 02:04:22.439
<v Speaker 5>parental or illegal guardian consent if they're at least sixteen,

2284
02:04:23.079 --> 02:04:28.159
<v Speaker 5>but they can also leave home and be fully self supporting,

2285
02:04:28.199 --> 02:04:30.680
<v Speaker 5>and that means in every which way under the age

2286
02:04:30.720 --> 02:04:33.840
<v Speaker 5>of nineteen and be emancipated. But more importantly, what I

2287
02:04:33.960 --> 02:04:37.359
<v Speaker 5>just realized is those kids and the grandparents are actually

2288
02:04:37.399 --> 02:04:40.279
<v Speaker 5>going to be responsible, not when the kid turns eighteen.

2289
02:04:40.880 --> 02:04:46.680
<v Speaker 2>It's going to be nineteen, right, I see, because parents

2290
02:04:46.720 --> 02:04:49.600
<v Speaker 2>are legally responsible through the eighteenth Yeah, go ahead.

2291
02:04:49.640 --> 02:04:52.039
<v Speaker 18>What's this whole thing that I remember hearing about how

2292
02:04:52.119 --> 02:04:56.199
<v Speaker 18>parents are legally responsible for providing health insurance until the

2293
02:04:56.199 --> 02:04:57.199
<v Speaker 18>age of twenty seven.

2294
02:04:57.800 --> 02:05:00.880
<v Speaker 2>No, that's not true. Okay, here's what it is. No,

2295
02:05:01.159 --> 02:05:08.039
<v Speaker 2>you're not required. First of all, health insurance is required, well,

2296
02:05:08.119 --> 02:05:12.159
<v Speaker 2>I mean it's never required okay, right now, no longer required.

2297
02:05:12.199 --> 02:05:14.840
<v Speaker 2>But parents are the only ones that can provide health

2298
02:05:14.840 --> 02:05:18.960
<v Speaker 2>insurance to their kids, and you can terminate that when

2299
02:05:19.000 --> 02:05:23.760
<v Speaker 2>they turn eighteen if they can get their own. If

2300
02:05:23.800 --> 02:05:25.399
<v Speaker 2>they can't get their own, you can still termin it.

2301
02:05:25.399 --> 02:05:27.840
<v Speaker 2>I mean, nobody can make you carry insurance for them.

2302
02:05:28.359 --> 02:05:32.680
<v Speaker 2>But usually if somebody is living on their own, they're eighteen,

2303
02:05:32.720 --> 02:05:34.600
<v Speaker 2>they don't make a lot of money. One of the

2304
02:05:34.640 --> 02:05:36.800
<v Speaker 2>good things and people will debate whether it's good or

2305
02:05:36.840 --> 02:05:39.520
<v Speaker 2>aut of Obamacare was it opened up medicaid to a

2306
02:05:39.520 --> 02:05:44.319
<v Speaker 2>lot of people, or heavily subsidized insurance where almost every

2307
02:05:44.319 --> 02:05:48.000
<v Speaker 2>young person can afford it, So it's not entirely bad.

2308
02:05:48.359 --> 02:05:51.680
<v Speaker 2>But no, And the twenty seventh thing, or through the

2309
02:05:51.720 --> 02:05:55.520
<v Speaker 2>twenty sixth birthday, is this, if they are full time students,

2310
02:05:55.960 --> 02:05:59.880
<v Speaker 2>you're allowed to provide it for them. You're not forced,

2311
02:06:01.840 --> 02:06:05.279
<v Speaker 2>but they have to be a dependent. They have to

2312
02:06:05.319 --> 02:06:07.800
<v Speaker 2>be a dependent taken on your taxes as well.

2313
02:06:09.279 --> 02:06:12.000
<v Speaker 5>And the other thing though, is I mean CHIP is

2314
02:06:12.000 --> 02:06:14.119
<v Speaker 5>probably gonna cover that kid or Medicaid.

2315
02:06:14.159 --> 02:06:16.720
<v Speaker 4>I mean, the kid's gonna have health insurance, right, that's right.

2316
02:06:17.159 --> 02:06:19.920
<v Speaker 18>Yeah, And I'm not worried about the whole health insurance thing.

2317
02:06:20.000 --> 02:06:22.600
<v Speaker 18>It's just trying to get us to cover full cost

2318
02:06:22.680 --> 02:06:23.600
<v Speaker 18>of raising this shell.

2319
02:06:24.039 --> 02:06:28.279
<v Speaker 2>I thought it's not gonna happen. It's not gonna happen. Meanwhile,

2320
02:06:28.399 --> 02:06:32.399
<v Speaker 2>I have to ask this question. Have you had us

2321
02:06:33.319 --> 02:06:38.119
<v Speaker 2>a conversation with the son about condoms? Oh?

2322
02:06:38.199 --> 02:06:40.199
<v Speaker 18>Yeah, I bought him a box And.

2323
02:06:40.119 --> 02:06:41.319
<v Speaker 2>What did he say about that?

2324
02:06:41.520 --> 02:06:41.640
<v Speaker 1>Oh?

2325
02:06:41.680 --> 02:06:42.760
<v Speaker 2>I forgot to put it on.

2326
02:06:44.920 --> 02:06:47.920
<v Speaker 18>She was so apparently, I guess, according to him, and

2327
02:06:48.000 --> 02:06:49.920
<v Speaker 18>he used them all up, and she was providing the

2328
02:06:49.920 --> 02:06:50.760
<v Speaker 18>condoms after that.

2329
02:06:52.199 --> 02:06:56.640
<v Speaker 2>What I mean, use them all up? You buy new ones? Right, Okay, Look,

2330
02:06:56.840 --> 02:06:58.720
<v Speaker 2>I don't want to get too technical about this, but

2331
02:06:58.880 --> 02:07:01.720
<v Speaker 2>my god, I mean everyone's got to have this talk

2332
02:07:01.760 --> 02:07:04.119
<v Speaker 2>with their kids. I mean, oh.

2333
02:07:06.520 --> 02:07:08.600
<v Speaker 18>Yeah, well, and that's not for a lack of trying.

2334
02:07:08.680 --> 02:07:12.920
<v Speaker 5>Luck in the birth control they have now too, is unbelievable.

2335
02:07:12.960 --> 02:07:15.840
<v Speaker 5>I mean, these these girls can get a little yeah,

2336
02:07:15.840 --> 02:07:17.479
<v Speaker 5>I don't know. It looks like a little toothpick in

2337
02:07:17.560 --> 02:07:19.880
<v Speaker 5>the side of their arm, and it lasts for years.

2338
02:07:20.399 --> 02:07:22.159
<v Speaker 6>It's an implant that lasted three years.

2339
02:07:22.239 --> 02:07:24.479
<v Speaker 4>Yeah, three years. I don't know why anybody would be

2340
02:07:24.479 --> 02:07:25.600
<v Speaker 4>they can get all right.

2341
02:07:25.600 --> 02:07:28.239
<v Speaker 2>Listen real quick. I got to take a break, Debbie.

2342
02:07:28.239 --> 02:07:30.960
<v Speaker 2>I just want to get before my break this comment

2343
02:07:31.000 --> 02:07:31.560
<v Speaker 2>on choking.

2344
02:07:31.600 --> 02:07:33.720
<v Speaker 4>Go ahead, what is it? What's the comment on choking?

2345
02:07:34.680 --> 02:07:37.199
<v Speaker 3>I have a sister that passed away four years ago,

2346
02:07:37.399 --> 02:07:40.119
<v Speaker 3>and she was by herself, and she a few days

2347
02:07:40.119 --> 02:07:42.640
<v Speaker 3>after Christmas. She just went to the refrigerator, got a

2348
02:07:42.640 --> 02:07:45.199
<v Speaker 3>piece of ham and walked back to her bedroom and

2349
02:07:45.560 --> 02:07:49.079
<v Speaker 3>choked on it and died. It happens very often, I guess.

2350
02:07:49.479 --> 02:07:51.560
<v Speaker 3>And she was sixty three.

2351
02:07:51.720 --> 02:07:57.199
<v Speaker 2>So that is an accident, right exactly. I get you

2352
02:07:57.239 --> 02:07:59.920
<v Speaker 2>and thank you for that perspective. We have more coming

2353
02:08:00.119 --> 02:08:02.680
<v Speaker 2>up on the Troubleshooter Show. Go with a sure thing

2354
02:08:02.760 --> 02:08:06.119
<v Speaker 2>Denver's Best Roofer Excel Roofing dot com. You don't pay

2355
02:08:06.119 --> 02:08:12.199
<v Speaker 2>a cent until you're content. Time for an insurance check

2356
02:08:12.279 --> 02:08:16.319
<v Speaker 2>up free no obligation comparison call Compass Insurance paying too

2357
02:08:16.359 --> 02:08:19.439
<v Speaker 2>much your coverage at dozens of insurance companies find out

2358
02:08:19.479 --> 02:08:21.239
<v Speaker 2>now three oh three seven to seven to one.

2359
02:08:21.359 --> 02:08:21.600
<v Speaker 4>Help.

2360
02:08:21.760 --> 02:08:24.399
<v Speaker 2>You'll think you're his only customer when you choose Frank

2361
02:08:24.479 --> 02:08:26.920
<v Speaker 2>durand the real estate Man dot com to list your

2362
02:08:26.960 --> 02:08:30.119
<v Speaker 2>home with Remax Alliance three oh three nine two zero

2363
02:08:30.199 --> 02:08:43.119
<v Speaker 2>sixteen twenty two. Hi Tom Martino here three O three

2364
02:08:43.279 --> 02:08:47.239
<v Speaker 2>seven one three talk seven one three eight two five

2365
02:08:47.439 --> 02:08:51.520
<v Speaker 2>five Excel roofing. The people that I have for my roof,

2366
02:08:52.079 --> 02:08:54.720
<v Speaker 2>for my attic, for attic ventilation, for anything to do

2367
02:08:54.760 --> 02:08:57.479
<v Speaker 2>with the roof, the roof system, and they just have

2368
02:08:57.560 --> 02:09:01.920
<v Speaker 2>it all. Never any money upfront. You never have to

2369
02:09:01.960 --> 02:09:07.600
<v Speaker 2>sign anything until you get a complete detailed insurance excuse me,

2370
02:09:08.159 --> 02:09:12.319
<v Speaker 2>estimate and contract, and you can if your insurance turns

2371
02:09:12.319 --> 02:09:14.359
<v Speaker 2>you down for any reason, any problems, you can cancel

2372
02:09:14.399 --> 02:09:19.159
<v Speaker 2>the contract at any time. Excel excel excelroofing dot com.

2373
02:09:19.199 --> 02:09:24.800
<v Speaker 2>So we have a question now in dash cams. Go ahead, Barbara,

2374
02:09:24.880 --> 02:09:25.520
<v Speaker 2>what's happening?

2375
02:09:27.439 --> 02:09:27.640
<v Speaker 8>Oh?

2376
02:09:27.880 --> 02:09:30.680
<v Speaker 3>Is where do I get one? How much do they cost?

2377
02:09:30.760 --> 02:09:32.600
<v Speaker 3>How do I know if it's a good one? And

2378
02:09:32.640 --> 02:09:33.640
<v Speaker 3>who installs them?

2379
02:09:34.399 --> 02:09:40.119
<v Speaker 2>Oh, my goodness. Car toys for one car toys, Yeah,

2380
02:09:40.279 --> 02:09:40.960
<v Speaker 2>you can get them.

2381
02:09:41.039 --> 02:09:45.199
<v Speaker 5>I think you can buy them anywhere, and you can

2382
02:09:45.199 --> 02:09:47.319
<v Speaker 5>install some of the newer ones if you don't mind

2383
02:09:47.439 --> 02:09:51.199
<v Speaker 5>just running a you know, a cigarette lighter adapter. That's

2384
02:09:51.359 --> 02:09:53.479
<v Speaker 5>a very easy way. The other thing, if you have

2385
02:09:53.520 --> 02:09:56.439
<v Speaker 5>a mirror that has like rodge door any controls on it,

2386
02:09:56.920 --> 02:09:59.399
<v Speaker 5>Car toys like Tom said, or any place like that

2387
02:09:59.680 --> 02:10:02.000
<v Speaker 5>can app right into there. Then it comes on with

2388
02:10:02.079 --> 02:10:02.439
<v Speaker 5>the car.

2389
02:10:02.680 --> 02:10:06.560
<v Speaker 2>But also Kevin Caulkin. Kevin Caulkin can do it.

2390
02:10:06.760 --> 02:10:07.680
<v Speaker 4>Oh all day long.

2391
02:10:08.199 --> 02:10:10.520
<v Speaker 2>You buy it, and they can do any kind of

2392
02:10:10.520 --> 02:10:13.600
<v Speaker 2>insulation you want. That Sheridan Auto tech dot Com.

2393
02:10:13.319 --> 02:10:17.239
<v Speaker 3>Share that's great, they're putting a new engine in my uh.

2394
02:10:17.199 --> 02:10:21.279
<v Speaker 2>Oh, just just buy the cam. Now you're saying, you're saying,

2395
02:10:21.319 --> 02:10:24.159
<v Speaker 2>are there any good or bad ones? Most? I hate

2396
02:10:24.199 --> 02:10:26.520
<v Speaker 2>to say this as a blanket statement, but most of

2397
02:10:26.560 --> 02:10:29.079
<v Speaker 2>these small electronic they're all good, just like webcams. I mean,

2398
02:10:29.119 --> 02:10:31.960
<v Speaker 2>you get Really it's the features you want to look for.

2399
02:10:32.279 --> 02:10:35.520
<v Speaker 2>Most it's it's almost brainless to make a good high

2400
02:10:35.600 --> 02:10:38.560
<v Speaker 2>deed dash cam. So what I would do is just

2401
02:10:38.680 --> 02:10:42.000
<v Speaker 2>google them and look at the view. John Fuller, I

2402
02:10:42.199 --> 02:10:42.880
<v Speaker 2>just bought one.

2403
02:10:43.319 --> 02:10:46.199
<v Speaker 4>John Fuller likes go the row the thy recalls.

2404
02:10:46.479 --> 02:10:48.920
<v Speaker 7>I bought a think Ware which is at a lot

2405
02:10:48.960 --> 02:10:51.680
<v Speaker 7>of features and was only cost about one hundred and

2406
02:10:51.680 --> 02:10:53.920
<v Speaker 7>fifty bucks for front and back camera.

2407
02:10:54.000 --> 02:10:55.800
<v Speaker 4>Yep, you want front and back. I agree with that.

2408
02:10:55.880 --> 02:11:01.439
<v Speaker 6>Think web that, I think the h A W A R.

2409
02:11:01.479 --> 02:11:05.119
<v Speaker 5>E think as and I'm thinking where think where w

2410
02:11:05.279 --> 02:11:07.319
<v Speaker 5>A R E. And then the other one is rove

2411
02:11:07.640 --> 02:11:08.159
<v Speaker 5>r O ve.

2412
02:11:09.479 --> 02:11:12.880
<v Speaker 2>Very good information. Thank you guys, really appreciate that. Doc.

2413
02:11:12.920 --> 02:11:14.840
<v Speaker 2>I didn't know you got twin cams.

2414
02:11:15.479 --> 02:11:16.039
<v Speaker 6>Yeah I did.

2415
02:11:16.199 --> 02:11:18.119
<v Speaker 7>I thought you only cost one hundred and fifty bucks.

2416
02:11:18.279 --> 02:11:21.039
<v Speaker 7>I think, I said a couple of weeks ago.

2417
02:11:21.520 --> 02:11:23.920
<v Speaker 2>I was thinking about getting dash cams, except I don't

2418
02:11:23.920 --> 02:11:28.319
<v Speaker 2>want anyone to use it against me, John.

2419
02:11:28.239 --> 02:11:30.720
<v Speaker 7>Fuller, And he said, and you know there, if you

2420
02:11:30.760 --> 02:11:35.520
<v Speaker 7>go on YouTube, you can sometimes see these downloads of

2421
02:11:35.600 --> 02:11:40.199
<v Speaker 7>people having accidents where the dash cam saved them thousands

2422
02:11:40.239 --> 02:11:44.359
<v Speaker 7>of dollars because they can prove that the other car

2423
02:11:44.439 --> 02:11:46.880
<v Speaker 7>went the red light, or that the car merged into

2424
02:11:46.920 --> 02:11:49.359
<v Speaker 7>your lane or somebody backed into you.

2425
02:11:49.439 --> 02:11:52.159
<v Speaker 2>Can they prove I was speeding and swerving and slamming

2426
02:11:52.199 --> 02:11:55.920
<v Speaker 2>on my brakes. I'm just kidding. I don't drive like that.

2427
02:11:56.000 --> 02:11:57.760
<v Speaker 2>I'm just kidding. As I got older, I got so

2428
02:11:57.880 --> 02:11:58.680
<v Speaker 2>much team too.

2429
02:11:58.880 --> 02:12:03.119
<v Speaker 7>But they are they are really an invaluable asset, especially

2430
02:12:03.119 --> 02:12:06.279
<v Speaker 7>if someone bats into you and says, oh you you

2431
02:12:06.279 --> 02:12:08.439
<v Speaker 7>you rear ended them showing.

2432
02:12:08.199 --> 02:12:10.760
<v Speaker 2>Them Oh no, I get it and I see it. Yeah. Hey, Randy,

2433
02:12:10.800 --> 02:12:13.680
<v Speaker 2>what is your comment on insurance? Randy, what's happening?

2434
02:12:13.800 --> 02:12:17.039
<v Speaker 15>Well, Mike, so my question is on this accidental death

2435
02:12:17.039 --> 02:12:19.520
<v Speaker 15>and dismemberment. I was listening to your show coming home

2436
02:12:19.560 --> 02:12:22.520
<v Speaker 15>from work, so I had CREO happen to me, which

2437
02:12:22.560 --> 02:12:26.319
<v Speaker 15>is central retina artery occlusion May twenty through three of

2438
02:12:26.359 --> 02:12:26.960
<v Speaker 15>twenty three.

2439
02:12:27.239 --> 02:12:28.680
<v Speaker 2>What was that? What is that?

2440
02:12:29.840 --> 02:12:32.600
<v Speaker 15>It's the main artery that supplies the blood to the

2441
02:12:32.600 --> 02:12:35.000
<v Speaker 15>back of the eye. Mind collapsed and I was mind

2442
02:12:35.039 --> 02:12:35.880
<v Speaker 15>in my left eye.

2443
02:12:36.039 --> 02:12:37.039
<v Speaker 2>Oh my goodness.

2444
02:12:37.079 --> 02:12:41.640
<v Speaker 15>And so through my company and everything, I have accidental

2445
02:12:41.680 --> 02:12:44.000
<v Speaker 15>death and dismemberment. And they said I should go ahead

2446
02:12:44.039 --> 02:12:46.239
<v Speaker 15>and put in for a claim because it does say

2447
02:12:46.399 --> 02:12:48.359
<v Speaker 15>loss of an eye in there. It pays half of

2448
02:12:48.399 --> 02:12:53.119
<v Speaker 15>the yeah that I cover. I committed everything to the

2449
02:12:53.199 --> 02:12:57.319
<v Speaker 15>deal to the Hartford who's the insurance holder, and they

2450
02:12:57.359 --> 02:13:01.840
<v Speaker 15>rejected it. Being in my my report with all the

2451
02:13:01.880 --> 02:13:05.079
<v Speaker 15>emergency rooms and everything, it says I woke up with

2452
02:13:05.239 --> 02:13:08.680
<v Speaker 15>this condition and was blind and it has to fall

2453
02:13:08.800 --> 02:13:12.479
<v Speaker 15>under an accident, and they said I have the right

2454
02:13:12.520 --> 02:13:14.680
<v Speaker 15>to appeal it. So I wrote a letter appealing and

2455
02:13:14.720 --> 02:13:17.199
<v Speaker 15>why I felt like it should be covered, you know,

2456
02:13:17.199 --> 02:13:20.319
<v Speaker 15>and all this stuff, but they rejected it again. So

2457
02:13:20.399 --> 02:13:22.880
<v Speaker 15>I just kind of dropped it because I figured I

2458
02:13:22.920 --> 02:13:26.319
<v Speaker 15>was never going to get anywhere. But I want your opinion,

2459
02:13:26.439 --> 02:13:29.000
<v Speaker 15>if you think I should still talk to a lawyer

2460
02:13:29.600 --> 02:13:33.039
<v Speaker 15>and have them review it to see if this would

2461
02:13:33.079 --> 02:13:36.600
<v Speaker 15>still fall under it or not, because it wasn't intentional.

2462
02:13:36.920 --> 02:13:39.479
<v Speaker 5>Most of those what's that policy max out at though,

2463
02:13:39.520 --> 02:13:42.439
<v Speaker 5>like fifteen grand Mine.

2464
02:13:42.279 --> 02:13:45.079
<v Speaker 15>Was five hundred thousand, and then for a loss of

2465
02:13:45.119 --> 02:13:47.159
<v Speaker 15>an eye is half that amount?

2466
02:13:47.279 --> 02:13:47.600
<v Speaker 4>Wow?

2467
02:13:47.640 --> 02:13:50.159
<v Speaker 2>But why are they saying you they're not disputing you

2468
02:13:50.239 --> 02:13:51.479
<v Speaker 2>lost an eye, right.

2469
02:13:52.399 --> 02:13:55.560
<v Speaker 15>Nope, they're not disputing it. But being in my doctor's

2470
02:13:55.640 --> 02:13:58.439
<v Speaker 15>reports when I went into all the emergency rooms, they

2471
02:13:58.479 --> 02:14:00.600
<v Speaker 15>said what happened? I said, I woke up, up, I

2472
02:14:00.640 --> 02:14:02.960
<v Speaker 15>went to the bathroom and realized I have no left

2473
02:14:02.960 --> 02:14:03.520
<v Speaker 15>eye vision.

2474
02:14:03.680 --> 02:14:07.520
<v Speaker 2>Okay. And they're saying and and and it only would

2475
02:14:07.600 --> 02:14:09.600
<v Speaker 2>cover it if it was an accident. Again, is that

2476
02:14:09.640 --> 02:14:12.720
<v Speaker 2>what we're talking about? According I don't think doc, I

2477
02:14:12.760 --> 02:14:15.279
<v Speaker 2>don't think you call that an accident to you. I mean,

2478
02:14:15.319 --> 02:14:16.560
<v Speaker 2>that's a medical condition.

2479
02:14:16.800 --> 02:14:18.279
<v Speaker 6>That's what it sounds like to me.

2480
02:14:18.840 --> 02:14:20.840
<v Speaker 2>It sounds like, I mean, if you hit your head

2481
02:14:21.000 --> 02:14:23.520
<v Speaker 2>and that happened you, you fell down.

2482
02:14:25.560 --> 02:14:25.720
<v Speaker 11>Right.

2483
02:14:25.800 --> 02:14:27.720
<v Speaker 15>See if the way I look at it, if I

2484
02:14:27.720 --> 02:14:29.560
<v Speaker 15>would have wrote, you know, I tripped over the dog

2485
02:14:29.640 --> 02:14:30.680
<v Speaker 15>and hit my head and.

2486
02:14:30.760 --> 02:14:33.880
<v Speaker 4>Right, that's right, I'd call up Benelli.

2487
02:14:34.000 --> 02:14:37.000
<v Speaker 5>I'd call up and have a conversation with Marco Bendonelli

2488
02:14:37.119 --> 02:14:39.720
<v Speaker 5>or someone at his office about that.

2489
02:14:39.880 --> 02:14:40.359
<v Speaker 4>Honestly.

2490
02:14:40.439 --> 02:14:43.399
<v Speaker 5>The interesting part too, if it truly is an insurance company,

2491
02:14:43.399 --> 02:14:45.560
<v Speaker 5>and it sounds like it is like the General or

2492
02:14:45.560 --> 02:14:48.880
<v Speaker 5>something like that, and I don't mean the General car insurance,

2493
02:14:48.960 --> 02:14:52.359
<v Speaker 5>but you could even go after treble damages.

2494
02:14:53.439 --> 02:14:54.720
<v Speaker 4>All right, here's the deal.

2495
02:14:54.960 --> 02:14:59.640
<v Speaker 2>Here's the deal. You may have lost if you if

2496
02:14:59.680 --> 02:15:03.439
<v Speaker 2>you weigh a year, well, I think did you file

2497
02:15:03.520 --> 02:15:05.960
<v Speaker 2>the claim. If you filed the claim, then it's not dead.

2498
02:15:06.000 --> 02:15:08.039
<v Speaker 2>I think you have three years after that. But if

2499
02:15:08.039 --> 02:15:10.199
<v Speaker 2>you didn't file the claim, you had a year from incident.

2500
02:15:10.720 --> 02:15:13.640
<v Speaker 2>Here's the deal. Randy, call Marco Bendinelli find him at

2501
02:15:13.680 --> 02:15:16.000
<v Speaker 2>referralst dot com. But I'm going to tell you, just

2502
02:15:16.079 --> 02:15:19.119
<v Speaker 2>from what you're telling me, it doesn't sound like an accident.

2503
02:15:19.159 --> 02:15:21.199
<v Speaker 2>I don't even know why you're saying it's an accident.

2504
02:15:21.680 --> 02:15:26.520
<v Speaker 15>I mean, no, it's because it's under accidental death and

2505
02:15:26.600 --> 02:15:29.479
<v Speaker 15>dismemberment for the loss of an eye, And.

2506
02:15:29.399 --> 02:15:32.279
<v Speaker 2>I get it, but but what but you didn't lose

2507
02:15:32.319 --> 02:15:33.960
<v Speaker 2>your eye from an accident.

2508
02:15:35.359 --> 02:15:37.880
<v Speaker 15>That's what I wanted to confirm, because.

2509
02:15:37.640 --> 02:15:40.399
<v Speaker 2>Well, don't confirm it with me, call an attorney. But

2510
02:15:40.399 --> 02:15:43.159
<v Speaker 2>but what is the accident? What was the accident?

2511
02:15:44.439 --> 02:15:46.920
<v Speaker 15>No, I'm interpreting it as I you know, I woke

2512
02:15:47.039 --> 02:15:49.359
<v Speaker 15>up and I accidentally I don't have vision. I didn't

2513
02:15:49.359 --> 02:15:49.560
<v Speaker 15>do it.

2514
02:15:49.760 --> 02:15:50.560
<v Speaker 4>Well, you accident.

2515
02:15:50.760 --> 02:15:52.640
<v Speaker 5>Come on, now, I have I have one of those

2516
02:15:52.680 --> 02:15:55.680
<v Speaker 5>accident policies. Man, it has to be an accident, like

2517
02:15:55.760 --> 02:15:58.399
<v Speaker 5>where we cashed in on an event a car hit

2518
02:15:58.520 --> 02:16:00.680
<v Speaker 5>us and the car created the accident.

2519
02:16:01.600 --> 02:16:04.479
<v Speaker 2>Yeah, it can't when you wake up and you say, well,

2520
02:16:04.520 --> 02:16:07.159
<v Speaker 2>I didn't intend not to have vision, Well, you don't

2521
02:16:07.199 --> 02:16:10.800
<v Speaker 2>intend to have kidney stones. I mean, you know it's

2522
02:16:11.000 --> 02:16:14.920
<v Speaker 2>they're not accidents. An accident is not when something that

2523
02:16:15.000 --> 02:16:19.319
<v Speaker 2>has been deteriorating manifests itself. That's not an accident. It's

2524
02:16:19.359 --> 02:16:22.800
<v Speaker 2>when something induces it. It's a It's a casualty event.

2525
02:16:23.600 --> 02:16:27.760
<v Speaker 2>Sudden and accidental is how insurance says it. Well, and

2526
02:16:27.840 --> 02:16:32.440
<v Speaker 2>it's got to be sudden and accidental, not just accidental.

2527
02:16:32.840 --> 02:16:35.000
<v Speaker 2>So I don't think you have a prayer. But call

2528
02:16:35.079 --> 02:16:37.639
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2529
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<v Speaker 2>Find out now three O three seven seven to one help.

2534
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<v Speaker 2>You'll think you're his only customer when you choose for

2535
02:17:00.000 --> 02:17:02.399
<v Speaker 2>a drund the real estate man dot com to list

2536
02:17:02.440 --> 02:17:05.479
<v Speaker 2>your home with Remax Alliance three oh three nine two

2537
02:17:05.559 --> 02:17:12.159
<v Speaker 2>zero sixteen twenty two. Hi Tom marshait out here three

2538
02:17:12.159 --> 02:17:14.559
<v Speaker 2>O three seven one three talk seven one three eight

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02:17:14.600 --> 02:17:18.440
<v Speaker 2>two five five. Go ahead, let's talk Garrison. What's going on?

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02:17:18.520 --> 02:17:18.719
<v Speaker 6>Man?

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02:17:20.040 --> 02:17:20.280
<v Speaker 2>Yeah?

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02:17:20.360 --> 02:17:23.680
<v Speaker 8>So I had bought in a car in June, and uh,

2543
02:17:24.120 --> 02:17:26.920
<v Speaker 8>the dealer said that the air conditioning was now working.

2544
02:17:27.040 --> 02:17:29.159
<v Speaker 8>Did it fix it for free? I could either leave

2545
02:17:29.200 --> 02:17:29.520
<v Speaker 8>it there?

2546
02:17:29.600 --> 02:17:32.719
<v Speaker 2>And is it called okay? Did you actually get Garrison?

2547
02:17:32.799 --> 02:17:38.719
<v Speaker 2>Did you get a Wheo statement it's called no okay?

2548
02:17:38.760 --> 02:17:41.079
<v Speaker 2>Did you get anything to say that they would fix it?

2549
02:17:42.079 --> 02:17:43.760
<v Speaker 8>I don't know whether they did fix it, but so

2550
02:17:43.840 --> 02:17:45.479
<v Speaker 8>the scene was on the way, on the way from

2551
02:17:45.479 --> 02:17:47.840
<v Speaker 8>them delivering it to me. After they fixed the air conditioner,

2552
02:17:47.959 --> 02:17:50.479
<v Speaker 8>the car reheated, so they took it back to the

2553
02:17:50.520 --> 02:17:52.200
<v Speaker 8>dealership and a Crock, you will work on it. Here's

2554
02:17:52.200 --> 02:17:55.479
<v Speaker 8>a loner in the meantime, so and it being ahead gasket,

2555
02:17:55.520 --> 02:17:57.479
<v Speaker 8>they fixed it.

2556
02:17:56.760 --> 02:17:59.520
<v Speaker 2>To hold on, hold on, yeah, and what happened then,

2557
02:18:00.040 --> 02:18:00.600
<v Speaker 2>so so mind you.

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02:18:00.600 --> 02:18:02.680
<v Speaker 8>It took a month to picked it and then they

2559
02:18:02.680 --> 02:18:03.959
<v Speaker 8>gave me the car back. I had it for six

2560
02:18:04.040 --> 02:18:06.159
<v Speaker 8>days and then it overheated on me again.

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02:18:06.479 --> 02:18:08.399
<v Speaker 2>All right, why don't you hold on. Let's get him

2562
02:18:08.399 --> 02:18:10.680
<v Speaker 2>back on tomorrow for sure. Let's figure this thing out.

2563
02:18:10.719 --> 02:18:13.520
<v Speaker 2>I'm Tom Martino. We'll we'll help you out, Garrison. Let's

2564
02:18:13.639 --> 02:18:17.079
<v Speaker 2>let's I mean, we'll try. Okay, all right, folks, we're

2565
02:18:17.079 --> 02:18:19.479
<v Speaker 2>out of time. Don't forget three ozo three Martino, get

2566
02:18:19.479 --> 02:18:21.120
<v Speaker 2>lined up for the next show three oh three, six,

2567
02:18:21.200 --> 02:18:23.200
<v Speaker 2>two seven, eight four sixty six, and save all your

2568
02:18:23.239 --> 02:18:24.000
<v Speaker 2>problems for me