WEBVTT 1 00:00:00.520 --> 00:00:09.679 Yeah, ripped, bad news to need advice? 2 00:00:09.720 --> 00:00:10.839 Who you don't have the. 3 00:00:12.759 --> 00:00:15.160 Come running just as fast as we can. 4 00:00:16.039 --> 00:00:19.160 Show Shooter's gonna help coming. 5 00:00:19.000 --> 00:00:27.079 Man, This is the Troubleshooter Show. No Tom Martino, Hey. 6 00:00:27.440 --> 00:00:30.519 Tom Martino here, Welcome to the show. Three oh three 7 00:00:30.760 --> 00:00:32.920 seven to one three talk seven one three eight two 8 00:00:32.920 --> 00:00:35.719 five five. I'll get the studio up at a minute. 9 00:00:35.759 --> 00:00:37.880 Mark's on his way back right now. All you'll see 10 00:00:38.000 --> 00:00:40.640 is deputy doc and Bow. And I wouldn't do that 11 00:00:40.679 --> 00:00:43.719 to you. You could pay me to keep it off, 12 00:00:43.759 --> 00:00:46.719 and I will. And I'm talking to those streaming. We 13 00:00:46.840 --> 00:00:49.280 got a we got a popular following. We love it. 14 00:00:49.320 --> 00:00:52.399 We got mostly downloads, but but several stream During the day, 15 00:00:52.920 --> 00:00:55.520 I get emails and text from people all over the 16 00:00:55.560 --> 00:00:58.719 country that have downloaded the show. Sometimes they're a month 17 00:00:58.799 --> 00:01:06.719 behind and they somehow hear the show and then reach 18 00:01:06.760 --> 00:01:09.280 out to us. And it's an older show, and that's 19 00:01:09.280 --> 00:01:12.920 pretty funny. John Fuller is with us Fuller Law, and 20 00:01:13.159 --> 00:01:19.159 I actually saved up some stuff for John personal injury attorney, 21 00:01:19.840 --> 00:01:21.719 and I say call on the first sign of trouble 22 00:01:21.760 --> 00:01:24.480 and just get some consultations. You'd be shocked at how 23 00:01:24.519 --> 00:01:27.640 many ride share accidents, there are john people don't know 24 00:01:27.680 --> 00:01:30.519 what to do. They want to know does their own 25 00:01:30.680 --> 00:01:33.319 I mean, they're completely confused about rideshare. So let's take 26 00:01:33.319 --> 00:01:36.040 it one step out a time. Ride share as a passenger, 27 00:01:37.400 --> 00:01:40.079 is your own insurance covering you? Is there insurance covering you? 28 00:01:40.239 --> 00:01:41.079 Who's covering you? 29 00:01:41.799 --> 00:01:44.000 Okay? It really depends on who's at fault. 30 00:01:44.079 --> 00:01:44.359 Tom. 31 00:01:44.519 --> 00:01:48.799 If there's a third party at fault, then it's just 32 00:01:48.920 --> 00:01:51.640 like any other accident. In the beginning. You're going to 33 00:01:51.680 --> 00:01:54.560 file all the claims against the third party that's at fault, 34 00:01:55.159 --> 00:01:57.400 just as if you were in your own car. Okay, 35 00:01:57.760 --> 00:02:01.079 you're still going to use your medpay. There may be 36 00:02:01.120 --> 00:02:05.280 medpay available by the you know, the uber or lyft driver, 37 00:02:05.439 --> 00:02:07.920 but but primarily you're going to use your own insurance 38 00:02:07.920 --> 00:02:10.560 and you're going to use that third party. If the 39 00:02:10.879 --> 00:02:14.240 lift or uber driver is at fault, they're required to 40 00:02:14.280 --> 00:02:16.719 have insurance and quite a lot of it, and so 41 00:02:17.319 --> 00:02:20.280 you're going to file all of your claims against that driver. 42 00:02:20.719 --> 00:02:24.000 You may still have your own medpay and stuff and 43 00:02:24.080 --> 00:02:26.800 your own UM that would stack on top um meaning 44 00:02:26.879 --> 00:02:30.319 uninsured motorists. But primarily we would look to the driver 45 00:02:30.520 --> 00:02:35.159 of the lift or the you know, uber for all 46 00:02:35.199 --> 00:02:36.680 of the coverage for that accident. 47 00:02:39.039 --> 00:02:42.319 Okay, does your insurance ever cover you that would be 48 00:02:42.400 --> 00:02:45.039 underinsured and uninsured? You said sometimes, right. 49 00:02:44.960 --> 00:02:48.319 Correct, Yep. If you run out of limits, then that 50 00:02:48.479 --> 00:02:50.840 yours would kick in and stack on top of that. 51 00:02:52.000 --> 00:02:54.520 John, we used to recommend and say it's a good 52 00:02:54.520 --> 00:02:58.319 idea to have underinsured and uninsured. I think it's mandatory. 53 00:02:58.680 --> 00:03:02.199 I mean not by law, but I mean you're protecting yourself. 54 00:03:02.800 --> 00:03:04.479 I bring back this other run and I hope he's 55 00:03:04.520 --> 00:03:07.039 not listening because I rub his nose in it. He 56 00:03:07.120 --> 00:03:09.080 insured his parents and wanted to save him a ton 57 00:03:09.080 --> 00:03:15.520 of money. Basic liability, medpay no basic liability. Okay, what 58 00:03:15.599 --> 00:03:19.680 about uninsured? Underinsured, no basic liability? They were hit by 59 00:03:19.680 --> 00:03:24.039 someone who had next to nothing. Yeah, and now they 60 00:03:24.039 --> 00:03:27.719 have lifelong injuries and they have nowhere to collect nowhere. 61 00:03:28.719 --> 00:03:29.000 Yeah. 62 00:03:29.080 --> 00:03:32.039 I see that all the time, Tom, and listen. Nobody's 63 00:03:32.080 --> 00:03:36.080 immune to it. Even you know, even well intended agents 64 00:03:36.120 --> 00:03:40.199 and stuff will steer people wrong. I just yesterday was 65 00:03:41.080 --> 00:03:44.759 given a copy of my mother in law's car insurance, 66 00:03:44.800 --> 00:03:47.120 and I was shocked to find out that she had 67 00:03:47.639 --> 00:03:52.319 really good liability limits, but the state minimum of UM limits. 68 00:03:52.360 --> 00:03:55.319 And this isn't a different state. But that's just a 69 00:03:55.360 --> 00:03:59.000 classic example of some agent trying to save her money. 70 00:03:59.680 --> 00:04:02.960 But it's the worst thing to skimp on. It's the 71 00:04:03.120 --> 00:04:07.560 only coverage on that policy that actually protects you. This 72 00:04:07.759 --> 00:04:10.879 lady is eighty two years old and has no assets 73 00:04:10.879 --> 00:04:14.919 of any significance. She is not at risk of having 74 00:04:14.919 --> 00:04:19.560 a big liability judgment wreckord financially. The only reason why 75 00:04:19.560 --> 00:04:22.639 you would have those enhanced liability limits is so you 76 00:04:22.680 --> 00:04:26.160 can purchase the exact same thing in UM limits. So 77 00:04:26.639 --> 00:04:29.519 I see it all the time. It's not just it's 78 00:04:29.519 --> 00:04:32.600 not just one carrier or one agent. It's all across 79 00:04:32.680 --> 00:04:33.079 the board. 80 00:04:35.279 --> 00:04:40.360 Yeah, and you really need to advocate for yourself or 81 00:04:40.399 --> 00:04:42.439 go to an agent that knows what the hell they're doing. 82 00:04:44.040 --> 00:04:46.680 And another one Callion Times. 83 00:04:47.399 --> 00:04:50.199 If your agent tells you to do things like skimp 84 00:04:50.240 --> 00:04:53.279 on the UM or to waive your medpay, it's time 85 00:04:53.279 --> 00:04:54.399 for you to get a new agent. 86 00:04:55.519 --> 00:04:59.000 Well. See here's what happens, John. People are trying to 87 00:04:59.040 --> 00:05:02.839 save money, okay, and they think they're being wise. I 88 00:05:02.839 --> 00:05:05.120 think one of the wiser things would be to increase 89 00:05:05.199 --> 00:05:08.600 deductibles and things like that, because if you put in 90 00:05:08.639 --> 00:05:12.079 too many. If you put in too many claims anyway, 91 00:05:12.079 --> 00:05:14.360 you're going to be screwed. So you may as well 92 00:05:14.399 --> 00:05:16.360 have a higher deductible because you end up paying for 93 00:05:16.399 --> 00:05:17.920 a lot of those claims yourself anyway. 94 00:05:18.519 --> 00:05:21.920 Now, Yeah, I don't disagree with you, but the problem 95 00:05:21.959 --> 00:05:24.160 that you have, Tom, and especially you that have a 96 00:05:24.199 --> 00:05:27.279 lot of you know, a lot of older listeners and stuff. 97 00:05:27.680 --> 00:05:33.439 These people genuinely believe that their insurance agents are representatives 98 00:05:33.480 --> 00:05:36.399 of the company. You know, they work for these companies 99 00:05:36.519 --> 00:05:40.000 and in many instances, nothing could be further from the truth. 100 00:05:40.319 --> 00:05:43.399 They are selling you products and they try to remain 101 00:05:43.439 --> 00:05:46.480 as competitive as they can, and if they can shoot 102 00:05:46.519 --> 00:05:49.079 you a lower rate by shaving off a coverage or 103 00:05:49.079 --> 00:05:52.240 two here and there, then then many times the consumer 104 00:05:52.319 --> 00:05:54.240 thinks that's the guy I want to go with because 105 00:05:54.240 --> 00:05:56.759 he's looking out for me and getting me the best rate. 106 00:05:56.839 --> 00:06:00.000 But the price for that is a lack of coverage 107 00:06:00.040 --> 00:06:01.639 when you actually need it the most. 108 00:06:03.319 --> 00:06:08.800 Yeah, And I want to talk about Instagram and TikTok 109 00:06:08.879 --> 00:06:12.560 and how it plays into insurance because it does, and 110 00:06:12.600 --> 00:06:14.360 I want to get to the bottom of it. In fact, 111 00:06:14.879 --> 00:06:17.240 I wouldn't mind having Brian Burns on to weigh in 112 00:06:17.279 --> 00:06:21.160 on it, sus whenever we can. Scott, what's going on 113 00:06:21.240 --> 00:06:23.519 in your life today? Scott? Three O three seven to 114 00:06:23.519 --> 00:06:25.360 one three talk is our number three oh three seven 115 00:06:25.439 --> 00:06:27.000 one three A two five five. If you call three 116 00:06:27.079 --> 00:06:29.720 L three Martino you can get through twenty four to seven. 117 00:06:29.759 --> 00:06:31.800 Leave a number. We will get back to you. And 118 00:06:31.839 --> 00:06:34.240 of course we're available on all the social media platforms. 119 00:06:34.279 --> 00:06:37.600 Just look for us. Hey, Scott, what's going on? Hey? 120 00:06:37.680 --> 00:06:38.399 How's it going? 121 00:06:38.560 --> 00:06:38.680 So? 122 00:06:39.600 --> 00:06:40.000 Good Man? 123 00:06:40.160 --> 00:06:42.160 Tend to a new home about about a year and 124 00:06:42.199 --> 00:06:43.600 a half ago, a little under. 125 00:06:43.680 --> 00:06:48.959 Any new home renter, buy rent, buy bye, and is 126 00:06:49.000 --> 00:06:50.120 it new from the builder? 127 00:06:51.720 --> 00:06:54.879 No, it's actually an older home, which is why I 128 00:06:54.879 --> 00:06:58.800 had to have them put HBAC in when I moved in. 129 00:07:00.319 --> 00:07:01.040 When we said. 130 00:07:02.560 --> 00:07:05.319 It was November a year. 131 00:07:05.279 --> 00:07:10.040 Ago, November of twenty four, twenty three. 132 00:07:10.519 --> 00:07:13.720 Which one twenty three November twenty okay. 133 00:07:13.399 --> 00:07:20.040 And who did your HVAC comfort works? Okay? I don't 134 00:07:20.040 --> 00:07:21.160 know them. So what happened? 135 00:07:22.560 --> 00:07:24.279 Well, when they came and they did the job, I 136 00:07:24.279 --> 00:07:28.720 mean it seemed like a great job. The Winner of 137 00:07:28.879 --> 00:07:32.040 twenty three twenty four we had that one really cold 138 00:07:32.160 --> 00:07:35.680 night and the system froze up. I tried colling. I'm 139 00:07:35.759 --> 00:07:38.480 never heard back. It worked afterwards, so I didn't think 140 00:07:38.560 --> 00:07:41.600 much about it. But this year it's gone down. I 141 00:07:41.600 --> 00:07:44.639 don't know, three four, five times it's frozen up. Last 142 00:07:44.720 --> 00:07:47.519 night I had absolutely no heat. I've been trying to 143 00:07:47.680 --> 00:07:49.600 get a hold of this guy for about the last 144 00:07:49.639 --> 00:07:53.040 month and a half. Ever since that first really cold 145 00:07:53.120 --> 00:07:54.759 night we had and it froze up again. I mean, 146 00:07:54.759 --> 00:07:55.839 I've been going without heat. 147 00:07:55.879 --> 00:07:58.680 Hearing that all right, now, listen, let's talk about let's 148 00:07:58.720 --> 00:08:01.680 talk about the very first time you said it froze up. 149 00:08:01.680 --> 00:08:03.000 What exactly does that mean? 150 00:08:04.439 --> 00:08:07.759 Well, it's a mini split system, so it's got indoor. 151 00:08:07.519 --> 00:08:10.720 U Okay, now I got you. I got you. It's 152 00:08:10.720 --> 00:08:12.920 not a real furnace. Then it's it's a it's a 153 00:08:12.959 --> 00:08:13.480 heat pump. 154 00:08:14.439 --> 00:08:15.680 Yeah, it's a heat pump. 155 00:08:17.120 --> 00:08:21.360 Well, a heat pump will freeze up unless it's these 156 00:08:21.399 --> 00:08:24.920 newer heat pumps, and it's probably not these newer heat pumps. 157 00:08:24.920 --> 00:08:27.240 I don't believe they make them in mini splits. The 158 00:08:27.319 --> 00:08:30.360 newer heat pumps are good for a way below zero. 159 00:08:31.079 --> 00:08:34.879 The regular mini splits are not, and they are not 160 00:08:35.039 --> 00:08:39.759 really good below forty forty degrees thirty five degrees so 161 00:08:39.799 --> 00:08:41.159 you don't have a regular furnace. 162 00:08:42.639 --> 00:08:44.519 I have the mini splits and that's all I have. 163 00:08:44.679 --> 00:08:46.440 The they were brand how many. 164 00:08:46.360 --> 00:08:48.879 How many many? How many many? It doesn't matter if 165 00:08:48.879 --> 00:08:50.679 they're new or not, if they can't do the job. 166 00:08:50.720 --> 00:08:53.240 How many mini splits do you have? 167 00:09:00.039 --> 00:09:02.240 And they're both connected to the same outdoor unit? 168 00:09:02.879 --> 00:09:05.200 Okay? I missed that. What did he say? How many? 169 00:09:05.480 --> 00:09:08.759 Like three or four? Like? How many outside units? How 170 00:09:08.759 --> 00:09:10.000 many outside units do you have? 171 00:09:10.919 --> 00:09:14.679 H there's one outside unit and two indoor units. 172 00:09:15.399 --> 00:09:19.399 Okay, so it's a it's truly using one compressor and 173 00:09:19.440 --> 00:09:22.679 one condenser and it has two wall units in the house. 174 00:09:23.120 --> 00:09:26.080 Those are never going to heat your house. I mean 175 00:09:26.279 --> 00:09:29.919 they're probably functioning font and shepherd those well that you 176 00:09:29.960 --> 00:09:32.840 know what, then you're lucky, You're lucky. But when they 177 00:09:32.879 --> 00:09:34.200 go out, how do they go out? 178 00:09:35.279 --> 00:09:35.600 Uh? 179 00:09:35.639 --> 00:09:38.840 Well, the defrost light will come on like it'll be heating. 180 00:09:38.919 --> 00:09:41.240 Then the little event goes up. The light will come 181 00:09:41.279 --> 00:09:43.759 on for to defrosts and then just sits there for hours. 182 00:09:43.799 --> 00:09:47.919 The outside unit wi's running whatsoever, and it just gets cold, 183 00:09:48.799 --> 00:09:50.799 you know, I think, and you know, little ice or 184 00:09:50.799 --> 00:09:53.080 what nott a form on around the outside of it. 185 00:09:53.120 --> 00:09:55.480 And whatever, and it just it doesn't defrost, it doesn't 186 00:09:55.519 --> 00:09:56.000 come back on. 187 00:09:59.120 --> 00:10:03.559 Okay, listen, I'm just gonna tell you you're going to 188 00:10:03.679 --> 00:10:10.000 have this problem. And usually usually they're pretty piss poor. 189 00:10:10.720 --> 00:10:15.720 From twenty to thirty two degrees. Thirty two to forty five, 190 00:10:15.759 --> 00:10:19.720 they're wonderful. Below twenty, they're useless and they will freeze up. 191 00:10:20.240 --> 00:10:24.679 It's absolutely normal. Now they do make some hyper heat 192 00:10:25.279 --> 00:10:29.120 high performance ones for below fifteen. I don't know what 193 00:10:29.240 --> 00:10:31.320 kind you have. What's the make of yours? 194 00:10:31.720 --> 00:10:35.279 It's a Mitsubishi Electric. It's been running just fine until 195 00:10:35.279 --> 00:10:39.080 it gets down to about you know, five degrees zero degrees. 196 00:10:38.879 --> 00:10:41.480 Or did you just hear it? Okay, bro, did you 197 00:10:41.519 --> 00:10:45.600 hear what I said? I mean, that's why, because they're 198 00:10:45.639 --> 00:10:49.519 not made for that. Of course they're gonna run fine 199 00:10:49.919 --> 00:10:52.759 until they don't. But I need to know the exact 200 00:10:52.840 --> 00:10:55.200 make and model and stuff and let us let our 201 00:10:55.240 --> 00:10:57.399 experts run it down. So I'm gonna put you on 202 00:10:57.440 --> 00:11:01.679 hold and give us the make, give us the exact 203 00:11:01.759 --> 00:11:04.879 make and model. Okay, hold on three oh three seven 204 00:11:05.279 --> 00:11:07.639 one three talk seven one three eight two five five 205 00:11:07.679 --> 00:11:11.200 waterpros dot Net, you want to talk about the best 206 00:11:11.200 --> 00:11:13.600 water systems in the world. I'm just telling you this. 207 00:11:14.039 --> 00:11:16.159 You can get rid of all the poofa chemicals that's 208 00:11:16.159 --> 00:11:20.360 forever chemicals, the plastics, the chlorine con soften your water, 209 00:11:20.440 --> 00:11:22.720 good for pipes, good for you, good for your skin, 210 00:11:23.039 --> 00:11:25.399 and get drinking water at the kitchen sink. All of 211 00:11:25.440 --> 00:11:28.840 this this is never be foeheard of. And it's a 212 00:11:28.960 --> 00:11:31.279 Valentine to Day special. So I think it ends smortw 213 00:11:31.320 --> 00:11:33.480 But you can call and get in line and you'll 214 00:11:33.519 --> 00:11:38.399 still be an unord thirty one, ninety five, three and 215 00:11:38.440 --> 00:11:41.320 ninety five. Now now I'm really serious. I honest to God, 216 00:11:41.360 --> 00:11:44.960 I'm serious. Not a plumber in Denver will do it 217 00:11:45.000 --> 00:11:49.200 for less than fifteen grand, and even Paul the waterman 218 00:11:49.360 --> 00:11:51.840 charges more than this usually. So here's what I want 219 00:11:51.879 --> 00:11:53.360 you to do. Call him three oh three eighty six 220 00:11:53.480 --> 00:12:02.120 two five five five four. Hey Tom Martino here three 221 00:12:02.120 --> 00:12:05.559 oh three seven to one three talk three oh three 222 00:12:05.679 --> 00:12:09.960 seven one three eight two five five. So let's go 223 00:12:10.120 --> 00:12:12.120 back to the phone see what we can do for you. 224 00:12:12.279 --> 00:12:16.240 And John Fuller is with us, Marcus somewhere in the house. 225 00:12:17.279 --> 00:12:21.279 So Scott's got an HVAC issue. I try did we 226 00:12:21.320 --> 00:12:24.320 get the issues? If we get the exact make and model. 227 00:12:24.679 --> 00:12:27.679 I'd like to get someone from fix It or eight eight. 228 00:12:27.519 --> 00:12:31.120 Eighteen m I'm sorry, okay, okay. 229 00:12:30.639 --> 00:12:34.080 Or Plumbline. What I'd like to do is address the 230 00:12:34.919 --> 00:12:38.279 system he has, because having a mini split that goes 231 00:12:38.320 --> 00:12:42.279 out around five degrees is not unusual. I mean really, 232 00:12:42.480 --> 00:12:47.240 there's only a few a few that will actually handle 233 00:12:48.240 --> 00:12:53.519 temperatures below that. Mini splits, for those listening, are electric systems, 234 00:12:53.799 --> 00:12:56.279 and they call them splits because you don't have to 235 00:12:56.279 --> 00:12:58.080 put in a whole system. You put in a wall 236 00:12:58.240 --> 00:13:01.279 unit to an exterior wall. It looks like an air conditioner, 237 00:13:01.279 --> 00:13:03.759 but it's built into the wall. They put it usually 238 00:13:03.879 --> 00:13:07.879 up a little high, and then it's remote controlled and 239 00:13:07.960 --> 00:13:12.720 then it goes the the fluids and everything go outside 240 00:13:13.039 --> 00:13:17.639 to the guts, which is called the split mini split. 241 00:13:18.000 --> 00:13:20.720 So that's where the word, you know, that's how they 242 00:13:20.879 --> 00:13:24.600 describe them. And sometimes they're people's only option when they 243 00:13:24.639 --> 00:13:27.399 don't have duct work. They have to put these big 244 00:13:27.440 --> 00:13:31.519 splits in. But they're really not they're really really not 245 00:13:31.639 --> 00:13:32.559 made for Colorado. 246 00:13:33.360 --> 00:13:36.840 I have a tree, Scott, Tom. 247 00:13:36.519 --> 00:13:38.759 Oh and you know about this too, bo, Yes. 248 00:13:38.879 --> 00:13:42.799 Tom, Tom is Scott still on the air. I think 249 00:13:43.120 --> 00:13:47.320 go ahead, Scott, this is bo. You need to call 250 00:13:47.360 --> 00:13:51.559 your your your contractor comfort works and see if they 251 00:13:51.720 --> 00:13:57.399 installed an integrated electric element into your Mini split that'll 252 00:13:57.759 --> 00:14:01.440 supplement the heat pump. It's a strip elements, similar to 253 00:14:01.559 --> 00:14:04.320 like your toaster. I think that's yeah, some. 254 00:14:04.240 --> 00:14:06.639 Of them that That's what I was asking him for 255 00:14:06.679 --> 00:14:09.440 the model because some of them have it, like for example, 256 00:14:09.559 --> 00:14:12.279 the go ahead. 257 00:14:13.080 --> 00:14:15.200 I have a model number if you want it. But 258 00:14:15.279 --> 00:14:17.120 that's my whole problem. I've been calling this guy for 259 00:14:17.159 --> 00:14:18.519 a month and a half and he won't return a 260 00:14:18.559 --> 00:14:19.320 single phone call. 261 00:14:20.440 --> 00:14:21.840 Well, is it a Mitsubishi. 262 00:14:23.279 --> 00:14:26.720 Yeah, it's a Missabis looks like the part number is 263 00:14:27.080 --> 00:14:32.000 MS z GS two four inn a. 264 00:14:32.120 --> 00:14:36.759 Okay, you gotta phonetically do that MS like in liking 265 00:14:36.960 --> 00:14:37.759 Mike Sierra. 266 00:14:38.960 --> 00:14:42.279 Yeah, m is in Mike, as is in sausage, z 267 00:14:42.600 --> 00:14:47.360 as in Zebra, sausage, g as in green s as 268 00:14:47.399 --> 00:14:53.000 in sausage two four n as in Niagara Falls and 269 00:14:53.559 --> 00:14:54.320 in Alberta. 270 00:14:55.879 --> 00:15:00.600 Okay, I like sausage. Okay. Is it called do you 271 00:15:00.639 --> 00:15:03.720 know if it's called do you know if it's called 272 00:15:04.480 --> 00:15:05.399 the hyperhat? 273 00:15:06.879 --> 00:15:08.679 I have no idea. I just know it's a miss 274 00:15:08.759 --> 00:15:11.320 Abigi Electric. The guys were real nice when they installed it. 275 00:15:11.360 --> 00:15:13.200 I mean they were quick, they were efficient, and it 276 00:15:13.240 --> 00:15:15.200 works great up until he gets to that point. 277 00:15:15.440 --> 00:15:19.639 Okay, I would never listen. Listen carefully. Listen carefully, bro, 278 00:15:19.720 --> 00:15:24.399 I'm on their site. The Mitsubi MSZGS two A n 279 00:15:24.480 --> 00:15:34.679 A is not a cold climate heat pump. Okay, it's 280 00:15:34.679 --> 00:15:39.840 got a limited capacity, and uh, if you want the 281 00:15:39.919 --> 00:15:42.080 heating one, it's got to be a different one. Now 282 00:15:42.200 --> 00:15:46.720 here's what's going to be your argument. You're you're going 283 00:15:46.759 --> 00:15:49.360 to say it's defective, and it's not. They put in 284 00:15:49.559 --> 00:15:52.759 and you paid for what you got. Well, no it's not. 285 00:15:52.879 --> 00:15:54.679 I'm looking for a way to get it to not. 286 00:15:55.080 --> 00:15:55.720 What do you want? 287 00:15:55.759 --> 00:15:57.279 How can I keep this from happening? 288 00:15:58.200 --> 00:15:59.440 Well, you can't, I would like to. 289 00:16:00.039 --> 00:16:02.399 I guess, man, I don't know. Hold on, hold on, 290 00:16:02.440 --> 00:16:07.279 hold on. I am assuming that you're understanding me. You 291 00:16:07.519 --> 00:16:13.759 can't make something work that's not made for the intended purpose. 292 00:16:14.200 --> 00:16:18.080 You can't make it work to keep it from happening. 293 00:16:18.440 --> 00:16:23.720 When I didn't realize that this unit was not design 294 00:16:23.759 --> 00:16:25.919 for cold weather, when the students stallted, he told me, 295 00:16:25.919 --> 00:16:27.679 as you were just fine year round. 296 00:16:29.240 --> 00:16:32.679 And it okay, and in Colorado, it does most of 297 00:16:32.720 --> 00:16:35.919 the time. So your argument's going to be, should you 298 00:16:35.960 --> 00:16:38.519 have been sold it isn't inappropriate? But this is not 299 00:16:38.559 --> 00:16:43.960 an investment. I mean, the appropriateness doesn't really play into 300 00:16:44.000 --> 00:16:46.960 it if the consumer knowingly buys something and pays a 301 00:16:47.000 --> 00:16:50.080 fair price. Now, if you were misled, in other words, 302 00:16:50.080 --> 00:16:52.519 they told you it was the hyperheat model and it wasn't. 303 00:16:52.919 --> 00:16:55.519 But if you were sold that model number and pay 304 00:16:55.600 --> 00:16:58.360 the appropriate price for that model number, and you didn't 305 00:16:58.360 --> 00:17:01.200 pay for the high efficiency, then you got what you 306 00:17:01.320 --> 00:17:04.599 paid for and it's working about nine or ninety five 307 00:17:04.640 --> 00:17:07.720 percent of the time. Scott, there is no answer to this. 308 00:17:08.079 --> 00:17:10.799 There isn't. I mean, I don't know if they would, 309 00:17:10.920 --> 00:17:14.720 out of courtesy upgrade you, But what are you expecting 310 00:17:14.759 --> 00:17:18.039 them to do. They can't make it work better. It's 311 00:17:18.160 --> 00:17:19.559 designed for what it does. 312 00:17:21.039 --> 00:17:23.039 I did not realize it was not designed for cold 313 00:17:23.119 --> 00:17:27.880 weather until you just told me, to be honest. 314 00:17:26.640 --> 00:17:30.440 Not designed for extreme It's not designed for extreme cold weather. 315 00:17:30.839 --> 00:17:34.559 Now I would complain. You said, the dude this is 316 00:17:34.599 --> 00:17:37.519 a company. Is the company made up of a number 317 00:17:37.559 --> 00:17:39.599 of dudes or is it one dude that owns it? 318 00:17:41.480 --> 00:17:43.240 I think it's like I don't want to see a 319 00:17:43.240 --> 00:17:45.359 mom in poss. But I know there's a guy that 320 00:17:45.480 --> 00:17:47.480 owns it and he's got to do that helps them. 321 00:17:47.960 --> 00:17:49.960 And I don't know of anyone else. But I've only 322 00:17:49.960 --> 00:17:50.680 met those two. 323 00:17:50.839 --> 00:17:52.960 I've only spoken with him, did you ever? Okay, they 324 00:17:53.000 --> 00:17:55.680 won't return your call, right, okay? 325 00:17:55.920 --> 00:17:56.079 Bo. 326 00:17:56.400 --> 00:17:59.599 What I would like you to do is call them, 327 00:18:00.079 --> 00:18:00.839 Bo call. 328 00:18:00.640 --> 00:18:04.799 I will, and I'll give them the model, go ahead. 329 00:18:04.519 --> 00:18:09.160 Yeah, and ask them if they think it's appropriate that 330 00:18:09.240 --> 00:18:11.599 it was sold. Do they feel any obligation to help 331 00:18:11.680 --> 00:18:12.279 upgrade them? 332 00:18:13.079 --> 00:18:15.759 Tom, You're right, it's not the correct unit for this 333 00:18:15.960 --> 00:18:17.759 climate with our low cabin. 334 00:18:18.000 --> 00:18:18.279 It's not. 335 00:18:19.599 --> 00:18:22.200 It's not and it may need to just be changed out. 336 00:18:22.240 --> 00:18:25.000 I don't think you can add a supplemental strip eating 337 00:18:25.039 --> 00:18:25.799 to that model. 338 00:18:27.480 --> 00:18:29.960 No, you can't. It's not made for it. 339 00:18:30.319 --> 00:18:33.799 Scott will call the contractor for you. 340 00:18:33.839 --> 00:18:38.440 See what now, Sus? Did we get? Is Brian Burns around? 341 00:18:39.200 --> 00:18:39.759 I can check? 342 00:18:39.839 --> 00:18:43.240 Hang on a minute, Yeah. I want to try to 343 00:18:43.240 --> 00:18:45.319 get them after the break to talk with John Fullern 344 00:18:45.359 --> 00:18:49.000 me about some things I'm seeing on Instagram and TikTok. 345 00:18:49.359 --> 00:18:51.599 And I want somebody to look into it because I'm 346 00:18:51.640 --> 00:18:54.200 so tired of it. I am so tired of it, 347 00:18:54.400 --> 00:18:56.920 and I really want to look into it. Three oh 348 00:18:56.960 --> 00:18:59.319 three seven to one three talk seven one three eight 349 00:18:59.400 --> 00:19:00.160 two five. 350 00:19:06.920 --> 00:19:08.160 Necessairly in that order. 351 00:19:10.319 --> 00:19:13.960 I'm Tom Martine. You're a troubleshooter. I got Brian Burns 352 00:19:14.039 --> 00:19:16.279 up from Compass Insurance. By the way, they're the home 353 00:19:16.319 --> 00:19:19.920 of the free insurance checkups always three h three nine 354 00:19:20.000 --> 00:19:23.359 nine six nine thousand. Brian, I don't know if you've 355 00:19:23.400 --> 00:19:26.160 ever been asked this question. And John Fuller, our personal 356 00:19:26.240 --> 00:19:28.640 injury attorney, as well, I don't know if you've ever 357 00:19:28.680 --> 00:19:32.240 been asked this, but I'm getting tired of seeing it. 358 00:19:33.039 --> 00:19:35.599 I look every now and then on TikTok and most 359 00:19:35.759 --> 00:19:40.799 more so on Instagram, and what I'm seeing are these 360 00:19:40.839 --> 00:19:45.359 short VIDs on Okay. One of them is a guy 361 00:19:45.440 --> 00:19:49.160 in a sharkskin suit standing next to a McLaren and 362 00:19:49.200 --> 00:19:51.720 in the driveway's a g wagon and a woman comes 363 00:19:51.799 --> 00:19:54.839 up and says, man, that's a really wonderful, beautiful cards, 364 00:19:54.839 --> 00:19:56.640 so thank you appreciate it. What do you do for 365 00:19:56.680 --> 00:20:00.400 a living. I'm in real estate. Man. That must be 366 00:20:00.440 --> 00:20:02.839 expensive to maintain a car like this. What is the 367 00:20:02.920 --> 00:20:06.559 cost to ensure he says, let's see for this car 368 00:20:06.839 --> 00:20:09.000 and the g Wagon over there, they're forty five dollars 369 00:20:09.079 --> 00:20:12.440 each month. And she said no way. He says, yes, 370 00:20:12.839 --> 00:20:15.640 there's a little known secret in auto, in the auto industry, 371 00:20:15.640 --> 00:20:19.759 and everybody is cheated. Now, then mister Wonderful did a 372 00:20:19.799 --> 00:20:24.480 commercial on TikTok turned the insurance industry on its ear, 373 00:20:24.839 --> 00:20:27.160 saying that most people are paying ten times what they 374 00:20:27.200 --> 00:20:30.039 should for car insurance. And then I think his name 375 00:20:30.079 --> 00:20:33.200 was mister Wonderful and then from the Shark Tank, and 376 00:20:33.240 --> 00:20:36.759 then I see countless ads. Now, Brian, I don't know, 377 00:20:36.920 --> 00:20:39.359 or John, do you guys look at TikTok or Instagram 378 00:20:39.400 --> 00:20:40.759 at all any of those VIDs ever? 379 00:20:42.039 --> 00:20:42.200 Rare? 380 00:20:42.319 --> 00:20:47.279 I don't, Okay, so you don't. You have not seen 381 00:20:47.319 --> 00:20:51.119 these ads? And they say base. Basically, what they're saying 382 00:20:51.160 --> 00:20:54.240 is everyone is getting cheated everyone, And I'm going to 383 00:20:54.319 --> 00:20:56.480 try to bring one up if I can. But they 384 00:20:56.480 --> 00:21:01.160 say everyone is being cheated. But do you know what 385 00:21:01.319 --> 00:21:03.160 they're talking about? 386 00:21:03.880 --> 00:21:06.720 Well, I've never even seen it, so but I'm taking it. 387 00:21:06.759 --> 00:21:09.519 They don't offer a solution out of this. It's not well, 388 00:21:10.079 --> 00:21:11.400 you know, it's no they sure. 389 00:21:11.240 --> 00:21:15.400 Do, they sure do. No, no, hey, hey, hey, hey, 390 00:21:15.200 --> 00:21:20.000 they they do offer they say, check out, you know, 391 00:21:20.279 --> 00:21:24.279 check it out this link. Hit this link. Obviously I 392 00:21:24.359 --> 00:21:26.480 never hit it. I guess I should before I open 393 00:21:26.559 --> 00:21:30.799 my mouth. But so I don't know. I can't believe 394 00:21:31.000 --> 00:21:34.000 there must be people listening that have seen these ads 395 00:21:34.000 --> 00:21:36.720 on tick. Do you see them all the time saying 396 00:21:36.720 --> 00:21:40.519 that you're paying too much? You're paying too much And 397 00:21:41.680 --> 00:21:43.799 I'm trying to find one right now, and I might 398 00:21:43.839 --> 00:21:45.880 try to find one during the break, So you have 399 00:21:46.000 --> 00:21:49.960 not heard of them, and they obviously if this guy 400 00:21:50.039 --> 00:21:52.000 is saying he's paying forty five dollars a month on 401 00:21:52.039 --> 00:21:54.000 a McLaren, he's a liar. 402 00:21:54.519 --> 00:21:57.839 Right, It's not true. So I mean that's I mean, 403 00:21:58.000 --> 00:22:00.920 there's all sorts of clickbait like that. Also, I'm sure 404 00:22:00.920 --> 00:22:03.240 you can find where it says if you do this, 405 00:22:04.119 --> 00:22:07.319 you know, you'll lose one hundred pounds by you know, 406 00:22:08.119 --> 00:22:11.279 in the next month by simply you know, following, or you. 407 00:22:11.240 --> 00:22:14.519 Can or you can grow hair, right they you know, 408 00:22:14.599 --> 00:22:18.559 the growing hair thing. But there seems to be a 409 00:22:18.559 --> 00:22:24.799 plethora lately of these car insurance adds, specifically, not house insurance, 410 00:22:24.839 --> 00:22:30.680 but car insurance anyway, So I am curious and again, 411 00:22:30.839 --> 00:22:33.319 if I find it. Brian I'm going to run it 412 00:22:33.359 --> 00:22:39.799 by you, but right now, are what's going on with 413 00:22:39.880 --> 00:22:43.480 insurance right now? Are all rates just going up, up, up, 414 00:22:43.599 --> 00:22:49.519 up up, Like when they have problems with the housing market, 415 00:22:49.599 --> 00:22:54.319 the casualty property casualty market, do they pass along losses 416 00:22:54.359 --> 00:22:56.720 to the auto department? I mean, do all the rates 417 00:22:56.759 --> 00:22:58.680 go up or do they keep them independent? 418 00:23:00.160 --> 00:23:03.519 No, they're more independent. I mean, not that you couldn't 419 00:23:03.519 --> 00:23:06.799 see some overflow, but for the most part, it's pretty independent. 420 00:23:06.799 --> 00:23:09.480 As a matter of fact, I just met with a 421 00:23:09.559 --> 00:23:12.119 carrier that was talking about the fact they're taking a 422 00:23:12.240 --> 00:23:16.000 rate decrease on auto now certainly not on home in Colorado, 423 00:23:16.039 --> 00:23:19.599 but on auto. So that tells me it's pretty independent. 424 00:23:19.799 --> 00:23:24.319 So you know, I don't foresee a huge rate increase 425 00:23:24.359 --> 00:23:25.319 on auto this year. 426 00:23:27.440 --> 00:23:31.640 Okay, all right, John Fuller, have you seen have you 427 00:23:31.720 --> 00:23:35.759 seen any of those come ons for low priced car insurance? 428 00:23:36.759 --> 00:23:39.000 No, I've not seen those. But let me touch on 429 00:23:39.039 --> 00:23:41.920 that issue you guys just chatted about. I mean, I look, 430 00:23:41.960 --> 00:23:45.680 Brian knows firsthand about rates here in Colorado and stuff. 431 00:23:45.680 --> 00:23:48.000 But here's what I do see, and here's what I 432 00:23:48.039 --> 00:23:53.279 am concerned about. We just had massive fires in California. 433 00:23:53.440 --> 00:23:56.240 You know, we've had We've had huge fires in Colorado, 434 00:23:56.319 --> 00:23:59.680 We've had massive hail seasons. I mean, sometimes we have 435 00:23:59.839 --> 00:24:02.480 no natural you know, we have hurricanes in Florida and 436 00:24:02.559 --> 00:24:05.400 up through Georgia and North Carolina and all that. I mean, 437 00:24:05.440 --> 00:24:09.839 these insurance companies are getting just walloped this year in 438 00:24:10.559 --> 00:24:13.640 property and casualty claims. And I can tell you that 439 00:24:14.200 --> 00:24:18.440 when that kind of stuff happens, the collateral consequence is 440 00:24:18.480 --> 00:24:22.279 that these insurance companies get very very very stingy with 441 00:24:22.319 --> 00:24:26.279 the money they go in to protect their home turf mode, 442 00:24:26.680 --> 00:24:29.160 and they don't want to pay any claims out unless 443 00:24:29.160 --> 00:24:31.039 they're forced to do so. 444 00:24:31.039 --> 00:24:33.519 So it of course all of us. 445 00:24:33.680 --> 00:24:36.839 You know, I remember when you know, the State Farm 446 00:24:36.920 --> 00:24:40.200 had such a huge exposure when the big hurricanes came 447 00:24:40.240 --> 00:24:43.000 into New Orleans, you know, many years ago, and I 448 00:24:43.039 --> 00:24:45.400 mean we didn't I don't think we got a single 449 00:24:45.440 --> 00:24:47.759 case settled with State Farm for about a year or 450 00:24:47.799 --> 00:24:50.920 a year and a half that didn't require litigation, even 451 00:24:51.000 --> 00:24:55.480 though they were completely legitimate cases. The adjusters just had 452 00:24:55.519 --> 00:24:59.640 no authority to settle those cases, and so we ended 453 00:24:59.680 --> 00:25:03.359 up having and the file everything. So it definitely affects them. 454 00:25:03.720 --> 00:25:06.359 They may be local and setting their rates based on 455 00:25:06.480 --> 00:25:10.279 their exposure. But they are national companies and these big, huge, 456 00:25:10.440 --> 00:25:13.079 you know, disasters definitely hit the bottom line. 457 00:25:14.920 --> 00:25:15.960 Brian, what do you think? 458 00:25:16.680 --> 00:25:20.000 Oh, yeah, no, I and I specifically agree. I agree 459 00:25:20.039 --> 00:25:24.599 with you specifically on the property side, because there's been 460 00:25:24.680 --> 00:25:27.279 so many you know, people will often ask why haven't 461 00:25:27.279 --> 00:25:29.359 had a claim? You know, why am I Why are 462 00:25:29.400 --> 00:25:31.839 my rates going up? And you know, I say, well, 463 00:25:31.880 --> 00:25:34.279 if you get ten people in the room, you know, 464 00:25:34.839 --> 00:25:37.319 I'll promise you probably seven of them have had a claim. 465 00:25:37.359 --> 00:25:39.039 And that's the reason it spreads out. But as far 466 00:25:39.079 --> 00:25:43.400 as how they pay out, John obviously deals with that 467 00:25:43.559 --> 00:25:47.920 side of it more. I do see a difference in 468 00:25:48.079 --> 00:25:51.599 carriers on how they pay out. Certain carriers seem to 469 00:25:51.640 --> 00:25:55.400 pay out much easier than others. But no doubt that 470 00:25:55.519 --> 00:25:58.759 when a carrier has an enormous amount of losses, it 471 00:25:58.759 --> 00:26:02.440 doesn't surprise me at all. They're they become tighter on 472 00:26:02.480 --> 00:26:03.720 their ability to pay out. 473 00:26:04.039 --> 00:26:07.160 But my hope is that, uh. 474 00:26:06.880 --> 00:26:10.519 You know, we can also help if something is legitimate 475 00:26:10.680 --> 00:26:14.480 claim and it seems uh pretty much no brainer. We 476 00:26:14.640 --> 00:26:17.079 usually have pretty good success of getting involved if we 477 00:26:17.119 --> 00:26:17.400 need to. 478 00:26:19.720 --> 00:26:24.240 Okay, so we have more coming up. I I just 479 00:26:24.480 --> 00:26:28.200 want to take uh this real quick thing here. Bob 480 00:26:28.839 --> 00:26:31.839 Uh from lam Landscaping, he has a comment. Go ahead, 481 00:26:31.880 --> 00:26:34.200 Bob hey, tom so that. 482 00:26:34.240 --> 00:26:37.079 I'm serious thing you're talking about. There's like five of them, 483 00:26:37.079 --> 00:26:39.839 but every one of them says the exact same thing. 484 00:26:39.960 --> 00:26:43.160 And what they say is is your payments blah blah 485 00:26:43.160 --> 00:26:45.920 blah blah blah. And they're blaming it on the agents. 486 00:26:46.000 --> 00:26:48.079 What they're saying is and I call it, it's just 487 00:26:48.119 --> 00:26:51.920 a blissiting to your number. They're saying that the agents 488 00:26:52.000 --> 00:26:55.880 make fifty percent of all your all all your payments 489 00:26:55.880 --> 00:26:58.400 and that's why your insurance is so high. And Anon, 490 00:26:58.480 --> 00:27:00.559 one of them says the same thing. I'm for sure 491 00:27:00.720 --> 00:27:04.519 that's the same company US in five different advertisements. But 492 00:27:04.640 --> 00:27:06.480 that's how it is. And then when you call them, 493 00:27:06.880 --> 00:27:09.279 they just send you off the summer, you know, like 494 00:27:09.480 --> 00:27:12.000 a different insurance time to try to quote your insurance. 495 00:27:12.559 --> 00:27:13.519 It's a bogus thing. 496 00:27:13.960 --> 00:27:16.599 And and and they claim they claim if you go 497 00:27:17.119 --> 00:27:19.240 they claim, if you go direct, you're gonna save a 498 00:27:19.240 --> 00:27:20.160 crapload of money. 499 00:27:21.160 --> 00:27:23.039 Yeah see us. 500 00:27:23.680 --> 00:27:24.119 Do you know me? 501 00:27:24.279 --> 00:27:26.359 I watched some of these things for you, and I 502 00:27:26.839 --> 00:27:28.400 saw that the other day and I'm like, okay, I'm 503 00:27:28.440 --> 00:27:30.519 gonna call it. It's just a way for them to 504 00:27:30.519 --> 00:27:34.599 get to you another insurance covers right to the. 505 00:27:32.640 --> 00:27:36.160 Quote that's all, and it never and it never, and 506 00:27:36.200 --> 00:27:38.240 then I then I'd like to say, well, wait a minute, 507 00:27:38.400 --> 00:27:41.000 where's that forty five dollars a month come in? You know? 508 00:27:41.279 --> 00:27:43.839 I wonder if they could ever quote that. I want 509 00:27:43.839 --> 00:27:46.359 to talk to Brian about commissions and stuff, and I 510 00:27:46.400 --> 00:27:48.640 want to dispel a lot of the myths about insurance. 511 00:27:48.680 --> 00:27:51.400 Coming up, I'm Tom Martine, Thank you, Bob. We have 512 00:27:51.480 --> 00:27:53.279 more coming up. Three or three seven one three talks 513 00:27:53.279 --> 00:27:55.319 seven one three eight two five five. By the way, 514 00:27:56.319 --> 00:27:59.279 I want to remind you eight eight eight heating dot com. 515 00:27:59.559 --> 00:28:02.960 Put that to the test. They say the lowest price 516 00:28:03.000 --> 00:28:08.079 on high efficiency units, including high efficiency mini splits. That's 517 00:28:08.200 --> 00:28:11.799 eight eight eight heating dot Com. My friends Garrett and 518 00:28:11.839 --> 00:28:13.799 his team three oh three seven seven zero two seven 519 00:28:13.880 --> 00:28:26.079 seven six. Hey Tom Martino, your troubleshooter. Three oh three 520 00:28:26.119 --> 00:28:28.799 seven one three talk seven one three eight two five five. 521 00:28:30.000 --> 00:28:34.279 So some other people are texting me about those TikTok 522 00:28:34.400 --> 00:28:37.519 and Instagram as they got suckered in, and really all 523 00:28:37.559 --> 00:28:43.400 it is is their aggregating leads and giving quotes. But Brian, Yep, 524 00:28:43.480 --> 00:28:46.279 there's no way that an agent makes fifty percent of 525 00:28:46.279 --> 00:28:47.400 the premium, is there. 526 00:28:47.720 --> 00:28:47.880 No. 527 00:28:47.960 --> 00:28:49.759 I would love to know the carrier that would pay 528 00:28:49.839 --> 00:28:53.440 that on average what you'd find, I would love it, 529 00:28:53.599 --> 00:28:56.960 but it would be uh ten is what you'd normally find. 530 00:28:58.319 --> 00:29:01.000 Yeah, and you don't save going I don't know why 531 00:29:01.039 --> 00:29:01.759 people think that. 532 00:29:02.000 --> 00:29:04.960 Now there you get the same exact rate if you 533 00:29:05.000 --> 00:29:07.119 were to go direct, But there's a lot of carriers 534 00:29:07.119 --> 00:29:10.160 that won't even offer a direct rate like that. They 535 00:29:10.200 --> 00:29:13.119 require you go through an agent. So you know, it 536 00:29:13.240 --> 00:29:16.559 makes no sense to do the work yourself because it 537 00:29:16.640 --> 00:29:18.720 is work having to shop through all those make sure 538 00:29:18.720 --> 00:29:22.279 coverages are the same or there's endorsements that are missing. 539 00:29:22.319 --> 00:29:24.480 But then on the flip side, I don't know why 540 00:29:24.559 --> 00:29:26.920 people go to a captive agent because they go to 541 00:29:26.960 --> 00:29:29.920 the one company hoping that's going to be the best option, 542 00:29:30.279 --> 00:29:36.279 and you know the chance of that being is very slim. 543 00:29:36.440 --> 00:29:40.599 Okay, thank you, Brian. Compass insurance three h three nine 544 00:29:40.720 --> 00:29:45.200 nine six nine thousand, and they do insurance checkups every day, 545 00:29:45.839 --> 00:29:48.000 so I appreciate that. Brian. Now here's what I want 546 00:29:48.039 --> 00:29:52.200 to tell you. Jr. Texted me a picture. He says, 547 00:29:52.200 --> 00:29:55.200 they're showing up all over JR. Believe it or not, 548 00:29:55.240 --> 00:29:58.279 You're not the only one that told me this. There's 549 00:29:58.400 --> 00:30:05.839 signs on various facilities and they say Colorado, Uh. Something 550 00:30:06.240 --> 00:30:11.359 at the top has cut off immigrants, no mass deportations 551 00:30:12.079 --> 00:30:16.599 and it says report suspected ICE activity and it gives 552 00:30:16.599 --> 00:30:21.400 a number where you can report ICE, know your rights, 553 00:30:22.119 --> 00:30:30.599 And so it's some group for illegal immigration protection. I 554 00:30:30.680 --> 00:30:33.920 just have to say this. I know I wish Major 555 00:30:34.000 --> 00:30:37.160 Mark Mouth Major was on the on the mic right now, 556 00:30:37.200 --> 00:30:42.079 but he's not in the studio just yet. But how 557 00:30:42.119 --> 00:30:50.000 do you come down in favor of illegal immigration front? 558 00:30:50.000 --> 00:30:53.160 And because the people they're targeting right now are people 559 00:30:53.880 --> 00:30:59.000 who are in the country illegally and have committed crimes 560 00:30:59.680 --> 00:31:03.079 or have a criminal record, how does anyone in their 561 00:31:03.200 --> 00:31:08.559 right mind come down in favor of leaving them alone? 562 00:31:08.759 --> 00:31:10.480 Where do you justify this? 563 00:31:11.319 --> 00:31:11.559 Then? 564 00:31:12.079 --> 00:31:17.839 I heard AOC that congresswoman who's half crazy do a 565 00:31:18.039 --> 00:31:23.279 video talking about how the United States is taking a 566 00:31:23.319 --> 00:31:28.440 black eye because billionaire Elon Musk and President Trump are 567 00:31:28.480 --> 00:31:36.039 running amok, drying up charity and humanitarian causes all over 568 00:31:36.079 --> 00:31:40.160 the world. If you read some of the things being 569 00:31:40.279 --> 00:31:45.880 cut by Doge. If you read them, you would be shocked. 570 00:31:46.880 --> 00:31:52.079 They're not taking baby milk formula, baby formula out of nurseries. 571 00:31:52.799 --> 00:31:56.200 They're stopping the most ridiculous crap you have ever seen 572 00:31:56.319 --> 00:31:59.160 in your life. And do you know that they have 573 00:31:59.240 --> 00:32:05.160 found on the roles hundreds and hundreds of people one 574 00:32:05.200 --> 00:32:11.640 hundred and fifty years or older collecting social security? Do 575 00:32:11.680 --> 00:32:14.240 you know that? Did you ever see that TV series Shameless? 576 00:32:14.880 --> 00:32:15.039 Oh? 577 00:32:15.119 --> 00:32:19.839 Yeah, they were collecting. They were collecting classic show. Oh 578 00:32:19.880 --> 00:32:24.359 my god, they were collecting social security, unemployment every government 579 00:32:24.400 --> 00:32:26.960 doled out check. They were getting it all from US eight. No, 580 00:32:27.119 --> 00:32:29.759 they know because US eight is for foreign people or 581 00:32:29.759 --> 00:32:32.839 for foreign countries, not for here. But but it reminds 582 00:32:32.880 --> 00:32:35.799 you of Shameless. I swear to god, they are just 583 00:32:36.559 --> 00:32:41.119 unbelievable and how this is what I don't understand. And 584 00:32:41.319 --> 00:32:45.039 I wish anybody just had the nerve to call me, 585 00:32:45.359 --> 00:32:48.839 and I promise you the utmost respect. I will listen 586 00:32:48.880 --> 00:32:53.240 to you. How do you come down against what they're doing? 587 00:32:53.839 --> 00:32:54.319 So far? 588 00:32:54.880 --> 00:32:58.799 Fifty billion dollars a day being saved? What are you 589 00:32:58.920 --> 00:33:03.359 kidding me? How can anyone be against it? 590 00:33:04.559 --> 00:33:04.880 Listen? 591 00:33:04.920 --> 00:33:08.279 This is not political, it's economic. Why do you want 592 00:33:08.319 --> 00:33:12.720 to support useless bs all over the planet. I mean, 593 00:33:13.079 --> 00:33:15.720 did you know that that news organization, and I don't 594 00:33:15.720 --> 00:33:20.160 know if it's the only one, Politico was actually being subsidized. 595 00:33:20.440 --> 00:33:25.000 Their subscriptions were being subsidized because their subscriptions they lose 596 00:33:25.039 --> 00:33:30.480 on every subscription. Now where the hell? And then Politico 597 00:33:30.880 --> 00:33:33.200 would write good things about the White House when it 598 00:33:33.240 --> 00:33:38.119 was Democrat and they were being subsidized by USAID, And 599 00:33:38.160 --> 00:33:43.359 there were other private media organizations being supported in the effort. 600 00:33:43.480 --> 00:33:48.680 What they say is to equalize the voices. Who please 601 00:33:48.759 --> 00:33:52.119 call me. I promise you you will get priority. Call 602 00:33:52.200 --> 00:33:54.799 me and justify it. We have more coming up on 603 00:33:54.839 --> 00:33:55.880 the Troubleshooter Show. 604 00:34:01.440 --> 00:34:06.240 Ripped off bad news, You need advice, who. 605 00:34:06.160 --> 00:34:10.880 You don't have the come running just as fast as 606 00:34:10.920 --> 00:34:12.719 we can show. 607 00:34:12.679 --> 00:34:14.000 Shooter's gonna help. 608 00:34:14.280 --> 00:34:15.320 Come man. 609 00:34:16.159 --> 00:34:18.320 This is the Troubleshooter Show. 610 00:34:18.920 --> 00:34:24.039 No Tom Martine, Welcome, Welcome my friends to the only 611 00:34:24.119 --> 00:34:25.840 and I mean that the only show of It's guy 612 00:34:25.880 --> 00:34:29.599 and we are here to solve problems, answer questions, take complaints. 613 00:34:29.639 --> 00:34:32.840 Our goal in life is to make your life just 614 00:34:32.920 --> 00:34:35.440 a little bit better. If we can help recoup money. 615 00:34:35.679 --> 00:34:39.639 Maybe from a contractor that oki dokya, Maybe from some 616 00:34:39.920 --> 00:34:42.440 kind of dentist that didn't do the right thing. Maybe 617 00:34:42.440 --> 00:34:45.840 from a landlord, uh, trying to put the screws to 618 00:34:45.880 --> 00:34:48.920 you by not fixing your furnace on a cold night. 619 00:34:49.440 --> 00:34:52.800 That's what the show's about. The phone number is so easy. 620 00:34:52.840 --> 00:34:55.159 I love this phone number. Three oh three Martino. That 621 00:34:55.239 --> 00:34:57.480 number works on and off the year. Please tell your friends, 622 00:34:57.480 --> 00:35:00.800 your family, anybody that needs help. Hell, tap the person 623 00:35:00.840 --> 00:35:03.239 on the shoulder in the grocery store and tell them, Hey, 624 00:35:03.280 --> 00:35:05.480 if you ever need help, three to zho three Martino, 625 00:35:06.000 --> 00:35:09.239 or you can email him at help at troubleshooter dot com. 626 00:35:09.440 --> 00:35:11.719 I'm sure they'll find that a little strange, but what 627 00:35:11.760 --> 00:35:14.800 the hell? Hey joining me today? Of course John Fuller, 628 00:35:15.199 --> 00:35:19.719 Personal injury CEO dot com. Not only is John basically 629 00:35:19.760 --> 00:35:22.559 a co host and fills in for Tom and myself 630 00:35:22.920 --> 00:35:26.000 here on the show, but he's also my attorney, my 631 00:35:26.039 --> 00:35:29.159 personal injury attorney. And on top of that, we have 632 00:35:29.320 --> 00:35:32.840 to Deputy's deputy docs in studio and Deputy Bow. What 633 00:35:32.880 --> 00:35:33.719 are you guys up to? 634 00:35:35.400 --> 00:35:37.920 Just hanging out trying to stay warm? I do have 635 00:35:37.960 --> 00:35:39.719 a small update from last year. 636 00:35:39.719 --> 00:35:41.639 So I got it when I walk in the studio 637 00:35:41.719 --> 00:35:44.079 and I look over there, and that damn thing's on three. 638 00:35:44.880 --> 00:35:45.920 Who put it on three? 639 00:35:46.360 --> 00:35:48.599 It was on six when we came in. By no, 640 00:35:49.079 --> 00:35:50.039 I turned it down. 641 00:35:50.440 --> 00:35:52.599 I feel like I'm the only person in the world 642 00:35:52.679 --> 00:35:56.440 that has normal skin temperature. If anybody walked into the studio, 643 00:35:56.480 --> 00:35:59.039 it's like one hundred and five degrees. It's a sna 644 00:35:59.400 --> 00:35:59.880 in here. 645 00:36:00.079 --> 00:36:01.719 Blame Michael Brown, not us. 646 00:36:01.960 --> 00:36:03.960 John Fuller, what's going on with you, sir? 647 00:36:05.639 --> 00:36:06.400 Just living the dream? 648 00:36:06.480 --> 00:36:06.639 Then? 649 00:36:06.880 --> 00:36:09.559 Yeah, you're living the dream. I bet you're in better weather, 650 00:36:09.639 --> 00:36:12.000 aren't you don't why just a little bit? 651 00:36:12.079 --> 00:36:12.360 Yeah? 652 00:36:12.440 --> 00:36:14.519 Yeah, I know, kid. Where are you at today, Florida? 653 00:36:15.199 --> 00:36:15.960 I am in Florida? 654 00:36:16.119 --> 00:36:16.320 Yep. 655 00:36:16.559 --> 00:36:19.519 You guys, you're getting You had some hurricane damage and 656 00:36:19.559 --> 00:36:23.280 some other stuff you're still dealing with. I assume we are. 657 00:36:23.400 --> 00:36:25.159 We are. We're getting to the end of it though, 658 00:36:25.199 --> 00:36:27.119 but it just takes a lot of hands on stuff, 659 00:36:27.159 --> 00:36:30.079 and you know, we're very fortunate. A lot of people 660 00:36:30.119 --> 00:36:33.679 are still are still dealing with, you know, that storm 661 00:36:33.760 --> 00:36:36.000 damage as if it happened just yesterday. 662 00:36:36.119 --> 00:36:37.840 I was going to ask you that, you know, they 663 00:36:37.920 --> 00:36:40.079 talk a lot. What was at South Carolina and North 664 00:36:40.159 --> 00:36:42.519 Carolina one of them where you know, there was people 665 00:36:42.599 --> 00:36:45.800 living in tents. They got like, you know, seven hundred 666 00:36:45.800 --> 00:36:48.400 and fifty bucks. You know, it became a whole political 667 00:36:48.440 --> 00:36:52.000 thing as well. But generally speaking, I mean, my god, 668 00:36:52.119 --> 00:36:54.840 you know what I'm answering my own question. As you know, 669 00:36:54.960 --> 00:36:57.679 we've been looking for a place out in sly Dell, 670 00:36:58.119 --> 00:37:01.280 out around New Orleans. And when you drive from the 671 00:37:01.320 --> 00:37:04.440 airport across any of the bridges over to the Slydell 672 00:37:04.519 --> 00:37:08.920 area or across the lake patcha train. I got to 673 00:37:08.960 --> 00:37:11.679 tell you, man, there's apartment complexes that got hit by 674 00:37:11.760 --> 00:37:16.480 Katrina that are completely completely just in shambles. No one 675 00:37:16.519 --> 00:37:20.239 has lived there for twenty years. There's homes where there's 676 00:37:20.239 --> 00:37:23.320 still tarps on the roofs. It looks like the damn 677 00:37:23.400 --> 00:37:27.800 thing hit six seven months ago. But generally speaking, in 678 00:37:27.960 --> 00:37:32.000 nicer areas, I mean, when something goes through say Miami, 679 00:37:32.480 --> 00:37:34.639 like a hurricane, and there's some damage or in the 680 00:37:34.719 --> 00:37:40.199 keys somewhere like that, what generally happens is everything rebuilt 681 00:37:40.199 --> 00:37:41.440 within a couple years. 682 00:37:42.639 --> 00:37:45.519 Well, ITAs, it takes every bit of that. I mean, 683 00:37:46.039 --> 00:37:48.079 you know, like I've told you a million times, here's 684 00:37:48.079 --> 00:37:50.639 the deal, you don't know what you don't know, okay, 685 00:37:51.000 --> 00:37:53.440 And what happens when you have one of these big 686 00:37:53.480 --> 00:37:57.320 storms is the damage is so extensive that everywhere you 687 00:37:57.440 --> 00:38:00.960 turn there's just destruction. And then we have to start rebuilding. 688 00:38:01.039 --> 00:38:03.840 So the area that you that got hit in this 689 00:38:04.000 --> 00:38:07.840 last round of hurricanes Helene and Milton, what you've got it? 690 00:38:07.960 --> 00:38:11.400 I mean that happened in October. It's now middle of February, 691 00:38:12.000 --> 00:38:14.719 and these people are still waiting to try to get 692 00:38:14.760 --> 00:38:18.400 permits to even start rebuilding their home. And you might say, well, 693 00:38:18.639 --> 00:38:22.159 how could that possibly be. Well, here's the deal. They're 694 00:38:22.199 --> 00:38:25.239 not allowed to rebuild their home at all if the 695 00:38:25.320 --> 00:38:29.559 damage is over a certain threshold. And literally they haven't 696 00:38:29.599 --> 00:38:33.119 heard from the federal government yet about whether or not 697 00:38:33.239 --> 00:38:36.960 that house's damage is over that threshold. And so the 698 00:38:37.000 --> 00:38:39.280 people are just in this catch twenty two where they 699 00:38:39.320 --> 00:38:43.840 can't rebuild because they can't get permits, and yet they 700 00:38:43.880 --> 00:38:46.559 can't live in their home because it's been destroyed. And 701 00:38:46.559 --> 00:38:49.719 now we're going on months and months and it's just crazy. 702 00:38:49.800 --> 00:38:52.360 So well, the same thing, John, the same things kind 703 00:38:52.400 --> 00:38:55.199 of going on in California with the fires. 704 00:38:55.199 --> 00:38:57.719 Truly it is, Yeah, it doesn't matter where it is, 705 00:38:57.800 --> 00:39:01.280 that's the same thing you've got. You've got this intersection 706 00:39:01.440 --> 00:39:06.599 of insurance, of federal regulations, of local building departments, and 707 00:39:06.920 --> 00:39:11.360 you've got a massive shortage of contractors and materials and 708 00:39:11.440 --> 00:39:14.920 tradesmen and everything. You know, with the perfect storm. 709 00:39:15.000 --> 00:39:17.760 We've talked about it so much. Those California fires are 710 00:39:17.880 --> 00:39:20.199 way worse than what the Boulder fires were. I mean, 711 00:39:20.239 --> 00:39:22.519 if you lived through something like that, it's just bad. 712 00:39:22.559 --> 00:39:25.559 In the middle of the Boulder Urine area, I'll exactly 713 00:39:25.760 --> 00:39:26.199 the same. 714 00:39:26.360 --> 00:39:28.760 But well, that's right, but I'm saying it affected a 715 00:39:28.800 --> 00:39:33.119 lot more dollars in California. But here's what blew me away. 716 00:39:33.679 --> 00:39:37.840 Almost everybody it was like ninety eight percent. We're all 717 00:39:37.920 --> 00:39:40.079 under insured. And you just touched on one of the 718 00:39:40.079 --> 00:39:43.639 big reasons why when there's something devastating like that, the 719 00:39:43.760 --> 00:39:47.800 contractors they can start charging more. The supplies run low, 720 00:39:48.079 --> 00:39:52.320 they can start charging more. The insurance goes up, so everybody, 721 00:39:52.599 --> 00:39:55.719 everybody ends up under insured, even if you did have 722 00:39:55.840 --> 00:39:59.280 the correct amount of insurance before that happened. 723 00:40:00.800 --> 00:40:03.639 Yeah, you're right, I mean, but though the lesson of 724 00:40:03.719 --> 00:40:07.519 voter was that, you know, listen, we've all gone through 725 00:40:07.519 --> 00:40:10.360 this area or this this timeframe when when the real 726 00:40:10.440 --> 00:40:12.639 estate market was going up. We see it in this 727 00:40:12.760 --> 00:40:15.960 property tax debacle that we've got where all of a sudden, 728 00:40:16.000 --> 00:40:18.599 you know, your property values have doubled over the last yeah, 729 00:40:18.800 --> 00:40:21.159 you know, five or six years, and then the taxes 730 00:40:21.199 --> 00:40:24.159 go up accordingly, and people, you know, cry foul as 731 00:40:24.199 --> 00:40:26.760 if there's something wrong with that. But the real problem 732 00:40:26.840 --> 00:40:30.760 is when you insured your home at four hundred thousand 733 00:40:30.760 --> 00:40:33.199 dollars and then all of a sudden it's worth six 734 00:40:33.320 --> 00:40:36.320 or seven, which carries time to rebuild it, you don't 735 00:40:36.360 --> 00:40:38.039 have enough insurance. 736 00:40:37.599 --> 00:40:40.400 No in fact, so you could literally be upside down, 737 00:40:40.760 --> 00:40:43.280 not be able to rebuild, and still have a mortgage 738 00:40:43.280 --> 00:40:44.679 payment for twenty five hours. 739 00:40:44.760 --> 00:40:46.840 Venture to guess that half of the people up in 740 00:40:46.920 --> 00:40:49.639 Lewisville and Voter were in exactly that situation. 741 00:40:49.840 --> 00:40:52.480 And that's why it's important. You know, we talk about 742 00:40:52.559 --> 00:40:54.599 compass insurance a lot, and I think they were on 743 00:40:54.719 --> 00:40:57.119 last hour. But the bottom line is if you haven't 744 00:40:57.199 --> 00:40:59.480 checked to see if you have the proper coverage. And 745 00:40:59.519 --> 00:41:02.920 I mean that like just like John said, think about it. 746 00:41:03.000 --> 00:41:06.320 If you bought your house ten fifteen years ago and 747 00:41:06.440 --> 00:41:08.800 you have not looked at the value of your house 748 00:41:08.800 --> 00:41:11.639 in a while, you could be so underinsured it's crazy. 749 00:41:11.639 --> 00:41:14.480 And let me tell you the insurance companies, especially if 750 00:41:14.519 --> 00:41:16.920 you're around a fire zone, they don't care. In fact, 751 00:41:16.960 --> 00:41:19.360 they're the ones that make out in it because you 752 00:41:19.440 --> 00:41:22.000 have a maximum payout of say four or five hundred, 753 00:41:22.199 --> 00:41:24.960 and you can't rebuild that piece of property for less 754 00:41:24.960 --> 00:41:28.719 than eight nine hundred thousand. It's crazy. Hey, Tom, what 755 00:41:28.880 --> 00:41:30.400 is your comment on Doze? 756 00:41:31.119 --> 00:41:35.159 A great show as usual? The comment really is, can 757 00:41:35.199 --> 00:41:37.400 we agree that we've got a president that's been a 758 00:41:37.400 --> 00:41:39.880 little loose with the truth in the last few years? 759 00:41:40.000 --> 00:41:42.719 No, you mean you don't? You mean Trump or you 760 00:41:42.760 --> 00:41:43.360 mean Biden? 761 00:41:43.960 --> 00:41:44.719 I mean Trump? 762 00:41:44.840 --> 00:41:45.000 Well? 763 00:41:45.280 --> 00:41:48.320 Okay, Well, how has he been loose in the screws? 764 00:41:49.159 --> 00:41:50.280 Loose in the truth? 765 00:41:50.760 --> 00:41:52.639 Loose in the truth? How would that be? What has 766 00:41:52.719 --> 00:41:53.760 he said that's not true? 767 00:41:53.840 --> 00:41:54.119 Tom? 768 00:41:55.079 --> 00:41:56.639 Are you homeless? I'm just curious. 769 00:41:57.159 --> 00:41:58.119 No, I'm not homeless. 770 00:41:58.119 --> 00:41:59.519 All right, go ahead, how's he loose? 771 00:42:01.639 --> 00:42:02.920 Well, I'll get to the point. 772 00:42:03.199 --> 00:42:06.440 Yeah, no, Actually, why don't you start with exactly what 773 00:42:06.480 --> 00:42:09.280 you said? Give me an idea, what is that? I 774 00:42:09.320 --> 00:42:12.840 have not seen a president in at least four years 775 00:42:13.039 --> 00:42:17.000 that actually talks to the press every day answers questions, 776 00:42:17.280 --> 00:42:20.719 tells you exactly what he's thinking of and has done 777 00:42:20.800 --> 00:42:23.239 so many good things in a short time. I just 778 00:42:23.320 --> 00:42:25.639 have never seen it. So I want to know how 779 00:42:25.679 --> 00:42:27.400 he's loose in the screws. 780 00:42:28.880 --> 00:42:31.840 I'm sorry, it's not loose in the screws. It's loose 781 00:42:31.960 --> 00:42:32.920 with the truth. 782 00:42:33.360 --> 00:42:36.280 Okay, loose with the truth. How what is he said? 783 00:42:36.320 --> 00:42:37.079 That's not true? 784 00:42:37.920 --> 00:42:41.320 Well, we'll take the dose thing he had said first, 785 00:42:41.320 --> 00:42:43.519 That was said there was fifty million dollars used for 786 00:42:43.599 --> 00:42:47.239 condoms to Hamas. Trump repeated that and said there was 787 00:42:47.320 --> 00:42:53.360 one hundred million dollars lost by giving condoms. 788 00:42:52.360 --> 00:42:56.639 To who cares? Who cares? What the hell is the 789 00:42:56.719 --> 00:43:00.480 damn difference? What the what the hell is it difference? 790 00:43:00.760 --> 00:43:03.719 Fifty or one hundred million in condoms. 791 00:43:03.360 --> 00:43:06.559 For hony condoms would have been an appropriate number to 792 00:43:06.559 --> 00:43:07.280 send to Hamas. 793 00:43:07.400 --> 00:43:10.039 How about if it was ten I don't even care 794 00:43:10.039 --> 00:43:12.320 if it was ten dollars? Who cares? 795 00:43:13.599 --> 00:43:14.119 Pop me up? 796 00:43:14.239 --> 00:43:17.719 Is this guy defending the guy is saying Trump is 797 00:43:17.840 --> 00:43:22.079 loose with the truth, Tom, I mean, it's crazy. Instead 798 00:43:22.119 --> 00:43:24.039 of what about the people who are one hundred and 799 00:43:24.039 --> 00:43:24.760 fifty years old? 800 00:43:25.039 --> 00:43:27.199 What about the people on Social Security? Are over one 801 00:43:27.239 --> 00:43:28.760 hundred and fifty years old. You all for that? 802 00:43:29.920 --> 00:43:32.639 Well, is that anecdotal or have you seen the actual 803 00:43:32.679 --> 00:43:34.320 proof of names and numbers? 804 00:43:34.360 --> 00:43:37.000 It's just well, no, I haven't seen the actual proof. 805 00:43:37.159 --> 00:43:41.119 So Tom, Okay, Well Tom, just like, let me get 806 00:43:41.159 --> 00:43:44.159 this ice rate of an elementary school. 807 00:43:44.280 --> 00:43:47.719 No, you have not, Tom, I'm asking Tom. I'm asking 808 00:43:47.760 --> 00:43:50.079 a simple question, seriously, and I promised I would give 809 00:43:50.079 --> 00:43:52.840 you your say. So are you saying that every dime 810 00:43:52.880 --> 00:43:55.480 they're claiming to save, they're lying about it, that it 811 00:43:55.480 --> 00:44:08.519 didn't exist, and it does exist? So government waste does exist. 812 00:44:08.639 --> 00:44:11.000 Are they helping getting are they helping to get rid 813 00:44:11.000 --> 00:44:11.960 of it? That? 814 00:44:12.199 --> 00:44:14.599 I could not tell you for sure until I see 815 00:44:14.760 --> 00:44:17.000 accurate and verifiable number. 816 00:44:17.000 --> 00:44:19.280 Tom. No one's going to show you anything. It's just 817 00:44:19.400 --> 00:44:21.519 not going to happen. You're either going to have to 818 00:44:21.559 --> 00:44:21.920 trust you. 819 00:44:23.440 --> 00:44:25.960 No, No, what would be Tom? What would be an 820 00:44:26.000 --> 00:44:30.599 accurate and verifiable number on the Republican side, Because you 821 00:44:30.639 --> 00:44:33.920 seem to take everything on the Democratic side at face value? 822 00:44:33.960 --> 00:44:37.679 So tell me what what constitutes for you? And I 823 00:44:37.719 --> 00:44:40.039 know what Tom's saying. Tom's saying, Look, if they were 824 00:44:40.119 --> 00:44:43.239 really saving money, I'm all for it, But I don't believe. 825 00:44:43.360 --> 00:44:45.639 I think they're exaggerating, and I want to see proof. 826 00:44:46.079 --> 00:44:49.400 I don't agree with you, Tom, I bet, I mean Martino. 827 00:44:49.800 --> 00:44:51.920 I think what Tom is saying is stuff like this. 828 00:44:52.280 --> 00:44:55.920 I don't think we should get rid of the Education Department. Tom. 829 00:44:56.320 --> 00:44:58.400 If that would save us money, should we get rid 830 00:44:58.400 --> 00:44:59.280 of it and gut it? 831 00:45:00.360 --> 00:45:01.239 No, I don't believe. 832 00:45:01.400 --> 00:45:04.360 It doesn't matter what Tom. He's got a theory in 833 00:45:04.480 --> 00:45:07.440 his mind how this country should run, so it has 834 00:45:07.559 --> 00:45:11.320 many can do with saving money. Okay, I want to 835 00:45:11.320 --> 00:45:13.199 go back to Look, that's Tom. 836 00:45:14.039 --> 00:45:17.480 Tom. You might have disagreement on whether offices should be 837 00:45:17.519 --> 00:45:19.639 open or closure, what they should do, but what I'm asking, 838 00:45:19.719 --> 00:45:24.079 in basic common sense is what can what it constitutes 839 00:45:24.559 --> 00:45:27.679 verifiable information on the waste they're. 840 00:45:27.519 --> 00:45:32.960 Cutting an audit by a Commerce Department official. 841 00:45:34.519 --> 00:45:39.400 Okay, do you understand that the Oversight Community the office 842 00:45:39.440 --> 00:45:42.239 of a the the the there is an office of 843 00:45:42.239 --> 00:45:44.239 the federal government that's supposed to be doing what DOGE 844 00:45:44.320 --> 00:45:47.679 is doing. They're actually a target of DOGE. So they 845 00:45:47.719 --> 00:45:51.320 wouldn't actually probably be credible to audit themselves, would they? 846 00:45:52.320 --> 00:45:52.519 Oh? 847 00:45:52.639 --> 00:45:55.840 Probably not, but you know they expector generals were fired 848 00:45:55.840 --> 00:45:58.360 pretty much across the board and that was their job 849 00:45:58.440 --> 00:46:00.199 and they're gone now. 850 00:46:00.039 --> 00:46:03.599 So you don't approve, So you basically don't approve or 851 00:46:03.679 --> 00:46:06.079 don't believe we're saving all of this money. 852 00:46:06.880 --> 00:46:11.639 I just want an audit, uh, you know, the condom thing, 853 00:46:11.800 --> 00:46:18.960 the gross amounts that they say the I would like 854 00:46:19.000 --> 00:46:22.719 to see some type of verification because these people are 855 00:46:22.880 --> 00:46:26.440 justifying their jobs of cutting this and I you know, 856 00:46:26.559 --> 00:46:29.320 would like some you know, real numbers or at least 857 00:46:29.320 --> 00:46:32.480 some something to lean on other than anecdotes. 858 00:46:32.960 --> 00:46:35.039 Okay, how do you argue with that? 859 00:46:35.159 --> 00:46:38.320 So you think they're just like I know what he's saying. 860 00:46:38.639 --> 00:46:41.360 He's saying they're searching for headlines and they're not really 861 00:46:41.639 --> 00:46:43.199 doing what they say. 862 00:46:43.400 --> 00:46:45.679 Okay, well no, what do you know what he's saying 863 00:46:45.760 --> 00:46:47.840 is I don't believe the damn word Eline or Trump 864 00:46:47.920 --> 00:46:50.039 or anybody says. That's what he's saying. And there's no 865 00:46:50.119 --> 00:46:51.320 way to fix stupid. 866 00:46:52.159 --> 00:46:55.719 Now, now, I went, hold on, I want to verify it. 867 00:46:55.760 --> 00:46:57.320 Hold On, bro, I don't doubt. 868 00:46:58.360 --> 00:47:00.079 Can I tell you something. You're gonna have to do 869 00:47:00.159 --> 00:47:02.760 a little research, But I got something for you. Seriously, Tom, 870 00:47:02.960 --> 00:47:05.239 and again, Mark, I don't mind you. I don't mind 871 00:47:05.239 --> 00:47:07.000 you dogging on people when they call. I don't mind 872 00:47:07.039 --> 00:47:09.360 it at all. It's your opinion. But I did tell 873 00:47:09.400 --> 00:47:12.360 them if they called in disagreement and that they feel, 874 00:47:12.840 --> 00:47:14.360 I want to hear I want to hear them out. 875 00:47:14.440 --> 00:47:18.000 So here's what here's here's what I'm seeing. I'm seeing 876 00:47:18.119 --> 00:47:23.639 verifiable information on AI that gives you the links support 877 00:47:23.719 --> 00:47:29.840 for persecuted communities. They were giving money to Yazidi communities 878 00:47:29.840 --> 00:47:34.639 in Iraq essential for rebuilding, water, electricity, healthcare and education. 879 00:47:35.039 --> 00:47:38.559 That's been totally cut. They had healthcare in Syria and 880 00:47:38.599 --> 00:47:41.800 that was for uh They suspended all of that and 881 00:47:41.880 --> 00:47:45.880 AIDS programs. Now people might disagree with it. Agricultural research 882 00:47:46.400 --> 00:47:50.679 was halted in a network of research laboratories around the world. 883 00:47:51.280 --> 00:47:56.480 Global health programs again for AIDS, and all of these 884 00:47:56.679 --> 00:48:02.280 uh UH for for HIV mainly child health and nutrition. 885 00:48:02.760 --> 00:48:08.679 Four billion has been cut. These funds were supposedly combating 886 00:48:08.760 --> 00:48:11.880 malaria HIV to regulus. Again, this is AI which is 887 00:48:11.920 --> 00:48:15.159 going to have a bend toward them. USA cuts too. 888 00:48:15.719 --> 00:48:20.639 They had transgender studies in whatever this country is, I 889 00:48:20.639 --> 00:48:27.719 can't pronounce it, and advancing LBGYQ in the Arab countries, 890 00:48:28.000 --> 00:48:32.400 advancing the cause for and what they say is for 891 00:48:32.480 --> 00:48:35.719 humanitarian purposes. In other words, they I guess they feel 892 00:48:35.719 --> 00:48:40.119 like they're being persecuted. And so there's millions of dollars 893 00:48:40.159 --> 00:48:43.440 going there. There were hundreds and hundreds of people cut 894 00:48:43.480 --> 00:48:49.440 from social security that were dead. So you know, here's 895 00:48:49.480 --> 00:48:51.920 an easy thing to do, Tom, just call up and 896 00:48:52.000 --> 00:48:54.599 keep denying and say no, that's not true, that's not true. 897 00:48:54.599 --> 00:48:56.840 That's not true. So I don't know what. I don't 898 00:48:56.840 --> 00:48:59.039 know how to combat it, but do some research. I 899 00:48:59.039 --> 00:49:07.480 got to take a break on Tom Martino. More coming up, Hi, 900 00:49:07.679 --> 00:49:10.559 Tom Martino. You're a troubleshooter. Three three seven one three 901 00:49:10.559 --> 00:49:14.559 talk seven one three eight two five five. So, man, 902 00:49:14.760 --> 00:49:16.960 the world has changed, hasn't it. A lot of people 903 00:49:16.960 --> 00:49:19.760 aren'thappy about it. I say, it is what it is. 904 00:49:20.039 --> 00:49:23.559 The pendulum always swings, always back and forth it does. 905 00:49:23.840 --> 00:49:27.559 This country is good that way it goes. Maybe it's 906 00:49:27.559 --> 00:49:29.480 been going too far to left, too far to the right. 907 00:49:29.840 --> 00:49:34.800 Maybe we have another comment on DOJE Department of Government Efficiency. 908 00:49:35.199 --> 00:49:40.880 And really I made the comment that I don't know 909 00:49:40.920 --> 00:49:45.400 how people don't want to route out waste. And when 910 00:49:45.440 --> 00:49:48.360 I hear AOC, it's as if we are the most 911 00:49:48.400 --> 00:49:53.679 evil people in the world defending programs that seem ridiculous. Now, 912 00:49:53.880 --> 00:49:56.440 you know, you might want to argue on some of 913 00:49:56.440 --> 00:49:59.639 these child healthcare programs, thinking, come on, you know these 914 00:49:59.719 --> 00:50:03.119 kids need help. But not only did they cut the programs, 915 00:50:03.280 --> 00:50:05.679 but they could find no trails that the money was 916 00:50:05.719 --> 00:50:07.519 going where it was supposed to go. Do you know 917 00:50:07.559 --> 00:50:10.400 that in the Ukraine? I swear to God there is 918 00:50:10.440 --> 00:50:14.159 so much money missing that Zelenski even says we didn't 919 00:50:14.199 --> 00:50:17.719 get any of that money. Where did it go? I mean, 920 00:50:17.880 --> 00:50:22.079 think about that, God, I mean, they just billions just 921 00:50:22.119 --> 00:50:25.880 go disappearing. Ralph, go ahead, you can have your say 922 00:50:25.920 --> 00:50:27.480 on this. I'm not going to interfere. What do you 923 00:50:27.519 --> 00:50:28.719 have to say about doj. 924 00:50:30.239 --> 00:50:33.280 Hey, you guys really attacked Tom there. I didn't think 925 00:50:33.320 --> 00:50:35.760 that was really appropriate and he was just trying to 926 00:50:35.800 --> 00:50:36.639 give his opinion. 927 00:50:37.320 --> 00:50:38.960 But maya, did you think I did? 928 00:50:39.000 --> 00:50:41.360 You think I attacked him? Roll? Seriously, do you think 929 00:50:41.400 --> 00:50:41.760 I did? 930 00:50:42.840 --> 00:50:43.239 You did not? 931 00:50:43.639 --> 00:50:44.000 You did it? 932 00:50:44.039 --> 00:50:44.440 Mark did? 933 00:50:44.480 --> 00:50:44.639 Though? 934 00:50:44.760 --> 00:50:47.239 Okay, I thought it was It was unacceptable that he 935 00:50:47.280 --> 00:50:50.280 did that, and he spewed his hate over the airways 936 00:50:50.280 --> 00:50:52.360 and I don't like that. And I listened to you 937 00:50:52.400 --> 00:50:57.719 guys every okay, okay, But what he was trying to 938 00:50:57.760 --> 00:51:01.760 say is Trump has been lying and he's not correcting himself. 939 00:51:01.880 --> 00:51:05.119 And even even Elon said in the White House that yes, 940 00:51:05.159 --> 00:51:08.079 he's gonna he's gonna say things that aren't true and 941 00:51:08.119 --> 00:51:10.960 that's just part of the system. There's been no money 942 00:51:11.039 --> 00:51:14.880 sent to a Moss for condoms, zero zero zero, not 943 00:51:15.039 --> 00:51:17.920 fifty million, not one hundred million, and Trump has not 944 00:51:18.000 --> 00:51:20.800 corrected that. So until he corrects that, that means he's 945 00:51:20.880 --> 00:51:24.960 lying to the American people to get a headline zero money. 946 00:51:25.840 --> 00:51:27.760 And also there's been no. 947 00:51:27.480 --> 00:51:30.679 No I you know what's funny about this, I've never 948 00:51:30.760 --> 00:51:33.119 heard about the condom thing to begin with, is this 949 00:51:33.239 --> 00:51:37.239 widely publicized where they're saying that this was one. 950 00:51:37.360 --> 00:51:41.039 Okay, that's the biggest thing he said, and that's what 951 00:51:41.079 --> 00:51:43.719 he keeps on saying again and again, and even yesterday 952 00:51:43.719 --> 00:51:47.000 he said it again. One hundred million, zero dollars are 953 00:51:47.039 --> 00:51:50.320 being sent to Hamas to begin with, and especially not 954 00:51:50.480 --> 00:51:54.239 fifty million for condoms. For so him saying that is 955 00:51:54.280 --> 00:51:57.880 to get people to lie to the American people. And 956 00:51:57.920 --> 00:51:58.599 that's the fact. 957 00:51:58.840 --> 00:51:59.039 Mark. 958 00:51:59.119 --> 00:52:01.280 You might not like that, but that is not a 959 00:52:01.320 --> 00:52:05.199 true statement, and that's not just mistakes Ralph. 960 00:52:05.719 --> 00:52:11.159 According according to Reuters, there's zero verifiable evidence that money 961 00:52:11.159 --> 00:52:15.360 has been spent for condoms anywhere, not just Toomas and 962 00:52:15.440 --> 00:52:18.559 there was no there there was no such program. Recent 963 00:52:18.639 --> 00:52:24.320 claim surface regarding this, however, nothing. It's been debunked by 964 00:52:24.400 --> 00:52:28.639 several fact checking organizations and not one dollar has been 965 00:52:28.679 --> 00:52:32.760 traced to Hamas or anywhere for condoms. 966 00:52:35.079 --> 00:52:39.199 So how many of the how many of the prior 967 00:52:39.239 --> 00:52:41.960 administration came out after the fact and said, yeah, you 968 00:52:42.000 --> 00:52:45.159 know what, you're right, Joe really was completely out of 969 00:52:45.159 --> 00:52:47.800 his mind and incapable of running the country and we 970 00:52:47.880 --> 00:52:51.079 live about that and we're really sorry and we shouldn't 971 00:52:51.079 --> 00:52:53.400 have done it, and we're going to do better going forward. 972 00:52:53.440 --> 00:52:54.320 How many of them did that? 973 00:52:54.559 --> 00:52:56.599 So why doesn't Trump be bigger than that and say 974 00:52:56.760 --> 00:53:00.159 I made a hun Come on, fake American people, you come. 975 00:53:00.039 --> 00:53:03.960 Yeah, but but John, John, I think Rolf has a point. No, Seriously, 976 00:53:04.239 --> 00:53:07.559 when a president off the cuff, when a president makes 977 00:53:07.599 --> 00:53:11.280 off the cuff comments, they're serious. When when he says, hey, 978 00:53:11.519 --> 00:53:13.840 you know, we're tired of this waist. We're sending one 979 00:53:13.880 --> 00:53:16.360 hundred million or billion or whatever whatever we're sending for 980 00:53:16.440 --> 00:53:19.800 condoms in Gaza and it's not true. He should say 981 00:53:19.800 --> 00:53:21.880 he most spoke. I mean, yeah, I agree. 982 00:53:21.639 --> 00:53:24.639 How did misspeak? In other words, how do you know 983 00:53:24.719 --> 00:53:28.559 that he knew he misspoke? The guy says, whatever's on 984 00:53:28.639 --> 00:53:29.119 his mind. 985 00:53:30.199 --> 00:53:33.360 Correct the record today then, because that's still the headline 986 00:53:33.599 --> 00:53:34.400 is about condoms. 987 00:53:34.440 --> 00:53:37.480 Oh my god, it is a double standard. You're talking 988 00:53:37.519 --> 00:53:41.079 on a double standard. Man. The Biden administration lied to 989 00:53:41.159 --> 00:53:43.400 us about that sucker for so long. 990 00:53:43.440 --> 00:53:48.719 It's unbelievable about everything. They've lied to us about everything. 991 00:53:48.760 --> 00:53:51.000 I mean, I'm still convinced. And I don't know if 992 00:53:51.000 --> 00:53:53.800 you are. I don't know where you are politically. I 993 00:53:53.840 --> 00:53:54.239 don't care. 994 00:53:54.559 --> 00:53:56.000 I just want to a hard guests. 995 00:53:56.079 --> 00:54:00.039 Do you believe well no, no, do you believe that 996 00:54:00.079 --> 00:54:03.880 Biden received millions of dollars from communist China? 997 00:54:05.320 --> 00:54:06.159 I have no idea. 998 00:54:06.599 --> 00:54:07.679 Show what's the facts. 999 00:54:07.840 --> 00:54:10.440 There's no facts on that. But we're talking about this. 1000 00:54:10.760 --> 00:54:13.480 But you know something, he's not. 1001 00:54:13.400 --> 00:54:18.320 The Princip's what's weird. We have That's what's weird. Can 1002 00:54:18.360 --> 00:54:21.039 you prove White House is that a man called Can 1003 00:54:21.079 --> 00:54:25.280 you prove that a man called Robert F. Kennedy is not? 1004 00:54:25.519 --> 00:54:28.239 It is real? Can you prove it? Have you had 1005 00:54:28.280 --> 00:54:30.000 do you have verifiable evidence? 1006 00:54:31.679 --> 00:54:33.719 You're right, I guess we could go down this that 1007 00:54:33.800 --> 00:54:36.880 we're actually into simulization, but we could also just be 1008 00:54:37.079 --> 00:54:41.039 honest about this is their government waste, absolutely, So why 1009 00:54:41.079 --> 00:54:43.119 do they have to say things that are not true? 1010 00:54:43.519 --> 00:54:46.239 Like the condoms? This is their big selling point. It's 1011 00:54:46.239 --> 00:54:49.480 not about anything else, it's it's it's about the condoms 1012 00:54:49.480 --> 00:54:50.800 and about somebody who's. 1013 00:54:50.800 --> 00:54:53.920 Got They called Trump hitler. They said we would never 1014 00:54:54.000 --> 00:54:58.480 have a democracy again. They lied every five seconds. And 1015 00:54:58.559 --> 00:55:01.760 you're getting stuck on this thing. And I bet we 1016 00:55:01.920 --> 00:55:04.079 find out we did spend a lot of money on 1017 00:55:04.159 --> 00:55:05.119 condom somewhere. 1018 00:55:06.440 --> 00:55:08.719 That's the way it normally goes. 1019 00:55:08.840 --> 00:55:12.760 How we spend money on tampon for the men's bathrooms. 1020 00:55:13.639 --> 00:55:15.960 Yeah, it's kind of the way it goes. Though, is 1021 00:55:16.000 --> 00:55:18.960 that you have to you have to understand that, you know, 1022 00:55:19.480 --> 00:55:22.440 we have this this cycle over and over again, and 1023 00:55:22.440 --> 00:55:25.440 and it just gets ridiculous. We hear from Trump that 1024 00:55:25.519 --> 00:55:28.039 the trend de Aaragua issue is going on in Aurora 1025 00:55:28.079 --> 00:55:30.360 and it's terrible, And we listened to ten days straight 1026 00:55:30.719 --> 00:55:33.599 of Aurora and Denver telling them that that's completely wrong 1027 00:55:33.719 --> 00:55:37.480 and that's absolutely untrue, and it never happened, and everything else, 1028 00:55:37.480 --> 00:55:40.119 and that Trump's just a liar about all these issues. 1029 00:55:40.440 --> 00:55:42.920 And then lo and behold they just lock up fifty 1030 00:55:42.960 --> 00:55:45.599 of them, and and and it turns out yes they do, 1031 00:55:45.679 --> 00:55:47.960 and they're condemning the buildings, and every single bit of 1032 00:55:48.000 --> 00:55:50.559 that was true. So we just keep going in these 1033 00:55:50.559 --> 00:55:53.199 circles and stuff. I think you just need to lighten 1034 00:55:53.280 --> 00:55:55.199 up and not get hung up on this condom to 1035 00:55:55.239 --> 00:55:58.400 hamas thing in general, the concept is the same, and 1036 00:55:58.440 --> 00:56:02.559 we agree government and abuse is not acceptable and needs 1037 00:56:02.599 --> 00:56:04.719 to be rooted out. If it turns out that we 1038 00:56:04.760 --> 00:56:08.000 sent condoms to homage, that's wrong. If it turns out 1039 00:56:08.000 --> 00:56:10.480 that we didn't, that doesn't mean that we don't have 1040 00:56:10.519 --> 00:56:12.239 a problem. 1041 00:56:12.440 --> 00:56:16.440 So you guys are supercritical. You guys are hypocritical, and 1042 00:56:16.480 --> 00:56:19.079 you know you are. 1043 00:56:19.840 --> 00:56:22.800 It is it absolutely is, Ralph. 1044 00:56:24.079 --> 00:56:26.760 I get what you're saying. You're saying if you misstate 1045 00:56:26.880 --> 00:56:30.960 and exaggerate, you should correct it. But I I got 1046 00:56:30.960 --> 00:56:34.360 to tell you that goes for everyone in politics. Man. 1047 00:56:34.760 --> 00:56:37.239 Have you ever heard Biden come out and say, by 1048 00:56:37.320 --> 00:56:40.199 the way, and then correct something. Have you ever heard 1049 00:56:40.280 --> 00:56:42.039 him ever? Yeah? 1050 00:56:42.280 --> 00:56:45.079 And and the White House usually corrects and say he misspoke. 1051 00:56:45.519 --> 00:56:48.199 This White House doesn't say that. He doesn't say he didn't. 1052 00:56:49.159 --> 00:56:53.039 He didn't mean it. 1053 00:56:53.039 --> 00:56:55.480 It's not true. It's not true. 1054 00:56:55.960 --> 00:56:56.840 This is true. 1055 00:56:58.760 --> 00:57:01.960 Well, truth to man, everybody you know, for him, Ralph, 1056 00:57:02.960 --> 00:57:07.280 they didn't know what we can do. Hey, listen, man, Okay, 1057 00:57:07.440 --> 00:57:10.280 now now that he got the popular voted, still not 1058 00:57:10.320 --> 00:57:13.360 good enough for these Trump syndrome people. It'll never be 1059 00:57:13.440 --> 00:57:17.079 good enough. Ever, it doesn't matter. Trump could cure cancer 1060 00:57:17.119 --> 00:57:19.880 tomorrow and Ralph would complain about. 1061 00:57:19.920 --> 00:57:23.039 Well, hold on, Ralph, may I ask you, Ralph, do 1062 00:57:23.119 --> 00:57:25.320 you think the country is on the wrong track? 1063 00:57:26.519 --> 00:57:29.239 Absolutely? Absolutely? And guess what. I've been in there. Do 1064 00:57:29.360 --> 00:57:31.159 you think I've been in the state. Do you I've 1065 00:57:31.199 --> 00:57:34.440 been in the state for sixty one years? By the way, do. 1066 00:57:34.440 --> 00:57:37.519 You think that under Biden the country was in it? 1067 00:57:37.719 --> 00:57:41.039 Do you think under Biden and the Democrats the country 1068 00:57:41.119 --> 00:57:42.440 was in a better trajectory? 1069 00:57:43.400 --> 00:57:46.880 Absolutely? The economy was booming. The conomy has never been better. 1070 00:57:47.079 --> 00:57:51.079 Ever, Trump's derangement right there, How do you, honest to god, 1071 00:57:51.159 --> 00:57:52.960 how do you argue I got to take a break? 1072 00:57:53.039 --> 00:57:55.719 Hey, listen, Ralph, don't don't call me a hypocrite, and 1073 00:57:55.760 --> 00:57:58.039 don't say it, and let you have your say, okay, 1074 00:57:58.239 --> 00:58:00.280 three oh three seven one three talks seven on three 1075 00:58:00.320 --> 00:58:03.280 eight two five five. You know Denverregen dot com is 1076 00:58:03.320 --> 00:58:06.239 on my list for stem cell therapy and for hair regeneration. 1077 00:58:06.599 --> 00:58:09.000 They do a great job and I'll never forget how 1078 00:58:09.000 --> 00:58:11.679 they got me out of pain. They're really good. That's 1079 00:58:11.719 --> 00:58:18.320 one aspect that I want to keep harping on Denverregen dot com. 1080 00:58:18.480 --> 00:58:19.519 Trankly what he was doing? 1081 00:58:23.159 --> 00:58:27.519 Hi, Tom Martino, Hey Tom Shannon. Shannon found a SoundBite 1082 00:58:27.559 --> 00:58:31.039 from Trump. Listen to this man. This that Ralph, make 1083 00:58:31.079 --> 00:58:32.280 sure you're listening please. 1084 00:58:33.480 --> 00:58:34.880 It's from a Musk right. 1085 00:58:37.280 --> 00:58:39.480 This is big nus for one hundred and two undred 1086 00:58:39.480 --> 00:58:42.000 million dollars a year, serious, bunny, missus. 1087 00:58:42.039 --> 00:58:42.280 Musk. 1088 00:58:42.320 --> 00:58:45.639 You said on x that an example of the fruit 1089 00:58:46.159 --> 00:58:49.960 that you have cited was fifty million dollars of condoms 1090 00:58:50.039 --> 00:58:55.000 was sent to Gaza. But after fact check, this apparently 1091 00:58:55.159 --> 00:58:58.920 Gaza in Mozambique and the program was to protect. 1092 00:58:58.639 --> 00:58:59.599 Them against HIV. 1093 00:59:00.159 --> 00:59:02.599 So can you correct these statements. It wasn't sent to 1094 00:59:02.679 --> 00:59:05.920 hamas actually to us into Musambi, which makes sense why 1095 00:59:06.000 --> 00:59:07.159 condoms was sent there. 1096 00:59:07.480 --> 00:59:09.159 And how can we make sure that. 1097 00:59:09.039 --> 00:59:12.199 All the statements that you said were correct, so we 1098 00:59:12.280 --> 00:59:13.239 can't trust what you're saying. 1099 00:59:13.280 --> 00:59:15.320 Well of courst well, some of the things that I 1100 00:59:15.400 --> 00:59:19.320 say will be incorrect and should be corrected. So nobody's 1101 00:59:19.320 --> 00:59:21.159 going to pad one thousands, I mean any you know, 1102 00:59:21.159 --> 00:59:24.000 we will make mistakes, but will act quickly to correct 1103 00:59:24.039 --> 00:59:29.119 any mistakes. So, you know, if the I'm not sure 1104 00:59:29.119 --> 00:59:32.559 we should be sending fifty million dollars with the condoms anywhere. Frankly, 1105 00:59:32.920 --> 00:59:35.679 I'm not sure that's something Americans would be really excited about. 1106 00:59:36.440 --> 00:59:38.280 And that's really an enormous nuber of contents when you 1107 00:59:38.320 --> 00:59:42.119 think about it. But you know, if it went to 1108 00:59:42.119 --> 00:59:45.199 Mozavika Setagauza, I'm like, Okay, that's not as bad, but still, 1109 00:59:45.559 --> 00:59:47.599 you know, why are we doing that? 1110 00:59:47.760 --> 00:59:50.039 Well, how do you argue with that? They corrected it. 1111 00:59:50.320 --> 00:59:53.400 The actual reporter that went and did the leg work 1112 00:59:53.480 --> 00:59:55.920 to find out if it was real corrected them and 1113 00:59:55.920 --> 00:59:59.440 said it was fifty million to whatever country. She kept saying, 1114 00:59:59.480 --> 01:00:01.960 I've never and heard of it, But my god, I 1115 01:00:02.000 --> 01:00:05.320 don't care once again what country it is, unless if 1116 01:00:05.320 --> 01:00:07.559 it's our own country, Why the hell are we sending 1117 01:00:07.880 --> 01:00:12.119 fifty million dollars in condoms to whatever beach community is 1118 01:00:12.199 --> 01:00:15.519 talking about or whatever when we have people that fought 1119 01:00:15.559 --> 01:00:19.039 in Vietnam and other wars on our streets homeless. 1120 01:00:20.199 --> 01:00:23.920 By the way, just so you know, okay, the pricing 1121 01:00:24.000 --> 01:00:27.039 on those condoms for the government, they bought one point 1122 01:00:27.079 --> 01:00:28.679 sixty seven billion condoms. 1123 01:00:28.719 --> 01:00:32.639 Well that's impossible time because according to rolf in caller Tom, 1124 01:00:33.559 --> 01:00:36.559 they didn't even exist. It never happened. There was no condoms. 1125 01:00:37.920 --> 01:00:41.320 They went to Mozambique, Adam and there were one billion 1126 01:00:41.400 --> 01:00:42.960 up one point six. 1127 01:00:44.039 --> 01:00:46.840 I'd like Tom or Ralph please call back. And now 1128 01:00:46.880 --> 01:00:50.239 that you've heard that and you heard the reporter explain. 1129 01:00:50.480 --> 01:00:53.719 This is exactly what happens every single time. You can 1130 01:00:53.840 --> 01:00:57.320 change one little minute fact and it's like, oh okay, 1131 01:00:57.360 --> 01:00:59.400 well maybe there was some truth in it. Yeah, but 1132 01:00:59.440 --> 01:01:00.360 the original. 1133 01:01:00.039 --> 01:01:00.760 Thing was a lie. 1134 01:01:00.840 --> 01:01:02.800 It was all lies. It's just a lie. 1135 01:01:03.239 --> 01:01:08.679 But it's like, yeah, but they talk, let's. 1136 01:01:05.599 --> 01:01:10.159 Do And by the way, people really problems, questions, complaints, 1137 01:01:10.199 --> 01:01:12.280 give us a call please three oh three seven to 1138 01:01:12.280 --> 01:01:15.480 one three talk seven one three eight two five five. Hey, Paul, 1139 01:01:15.519 --> 01:01:16.360 what is your comment? 1140 01:01:17.719 --> 01:01:19.920 Yeah, I just wanted to comment on that person that 1141 01:01:20.079 --> 01:01:22.599 was on the phone this minute ago. Uh, Tom, I 1142 01:01:22.599 --> 01:01:26.639 guess it was Yeah, I only know a fairy tale 1143 01:01:26.639 --> 01:01:28.719 world this to living in. But the comedy was not 1144 01:01:28.800 --> 01:01:30.039 federal when Biden was in there. 1145 01:01:30.760 --> 01:01:31.159 Period. 1146 01:01:32.079 --> 01:01:33.360 I've been struggling every since. 1147 01:01:33.360 --> 01:01:36.000 I'm making almost thirty bucks an hour and I'm still struggling. 1148 01:01:37.360 --> 01:01:39.519 You know, it's it's it's ridiculous. You can't talk to 1149 01:01:39.559 --> 01:01:42.280 these people. They're one side. You don't see their agenda. 1150 01:01:42.440 --> 01:01:44.320 Then it's not right period. 1151 01:01:44.920 --> 01:01:48.239 They hate the fact they're gutting the government. The federal 1152 01:01:48.280 --> 01:01:51.199 government was never intended to be this big. We were 1153 01:01:51.239 --> 01:01:54.719 never intended the entire world. 1154 01:01:55.159 --> 01:01:58.280 You have to admit Trump is not doing one thing 1155 01:01:58.719 --> 01:02:01.719 that he hasn't promised. I mean, it's not like it's 1156 01:02:01.719 --> 01:02:05.719 a surprise. He campaigned on these very issues. He campaigned 1157 01:02:05.719 --> 01:02:09.519 on every single issue he's doing. I mean, apparently the 1158 01:02:09.559 --> 01:02:13.719 people wanted it. I mean, look, he's got the highest 1159 01:02:13.760 --> 01:02:20.400 approval rating of of any recent presidents after election. You know, 1160 01:02:20.639 --> 01:02:23.000 look at what was one of the first things Biden did. 1161 01:02:23.119 --> 01:02:25.199 You remember one of the first major things he did. 1162 01:02:25.280 --> 01:02:26.880 The boy got into office. 1163 01:02:26.599 --> 01:02:28.800 The first thing he did was opened it up. Then 1164 01:02:28.840 --> 01:02:30.960 they lied about it for four years. 1165 01:02:31.199 --> 01:02:35.239 There was nothing things mark mark the border was one. 1166 01:02:35.679 --> 01:02:39.760 The shutdown of the pipeline causing massive layoffs was another, 1167 01:02:40.239 --> 01:02:48.559 and then the and then the withdrawal from Afghanistan that soldiers, 1168 01:02:49.360 --> 01:02:52.280 and then and then the that is the sloppiest withdrawal, 1169 01:02:52.360 --> 01:02:57.559 since I'm curious, Yellow, that is like the worst billions 1170 01:02:57.599 --> 01:02:59.719 of dollars, billions of. 1171 01:02:59.719 --> 01:03:04.079 Dollars of equipment least spent and equipment left. 1172 01:03:04.960 --> 01:03:10.800 But people would justify it. That's the thing. People will justify. 1173 01:03:10.880 --> 01:03:13.519 Then he he left and right not long ago, saying 1174 01:03:13.599 --> 01:03:16.599 under his watch, not an American soldier died. I mean, 1175 01:03:16.639 --> 01:03:19.480 how do you say that after that whole withdrawal. But nope, 1176 01:03:19.559 --> 01:03:22.239 I didn't hear. I didn't hear wall for Tom talking 1177 01:03:22.280 --> 01:03:23.039 about that one. 1178 01:03:23.920 --> 01:03:26.599 All right, Now, hold on real quick, John Fuller. I 1179 01:03:26.639 --> 01:03:29.920 got a text here, really seriously, they say that, I 1180 01:03:30.079 --> 01:03:32.639 tell them, Well, let me do this after the break. 1181 01:03:33.000 --> 01:03:35.079 I got this for John Fuller. After the break. I'm 1182 01:03:35.119 --> 01:03:43.639 going to talk about the communication thing right after this. Hi, 1183 01:03:43.800 --> 01:03:47.719 Tom Martino, your troubleshooter. Three zero three seven one three 1184 01:03:47.840 --> 01:03:52.760 Talk seven one three eight two five five Man Lively Show. 1185 01:03:52.840 --> 01:03:54.760 Today we got John Fuller with us, and I do 1186 01:03:54.840 --> 01:03:57.880 have a question John. I do say this in the ads. 1187 01:03:57.960 --> 01:03:59.360 I say, if you call John you can talk to 1188 01:03:59.440 --> 01:04:04.760 him before you asking questions, and then afterwards you get 1189 01:04:04.760 --> 01:04:07.840 a cell phone, you can call her text anytime. Somebody said, 1190 01:04:08.360 --> 01:04:10.880 what do I mean if you don't have a cell 1191 01:04:10.920 --> 01:04:14.760 phone up front and you give out the general number, 1192 01:04:14.760 --> 01:04:16.840 how do you get to talk to John? Is he 1193 01:04:16.880 --> 01:04:20.199 always available? Does he call you back? This was just 1194 01:04:20.320 --> 01:04:23.480 a very practical question. They call that three oh three, 1195 01:04:23.559 --> 01:04:26.440 five nine seven forty five hundred, So they say, I 1196 01:04:26.480 --> 01:04:28.880 want to talk to John, I mean, because obviously you're 1197 01:04:28.920 --> 01:04:30.599 not going to answer that phone, right John. 1198 01:04:31.639 --> 01:04:34.760 Well, sometimes I do, but you know, as an example, 1199 01:04:34.840 --> 01:04:37.199 right now, I'm on the radio, so I'm not answering 1200 01:04:37.199 --> 01:04:39.679 the phone. If you call my office, you're going to 1201 01:04:39.760 --> 01:04:43.440 get my capable staff. But I am always available. And 1202 01:04:43.880 --> 01:04:46.719 if a client would you know, wants to visit with 1203 01:04:46.800 --> 01:04:48.599 me about their case, We're going to get on the 1204 01:04:48.639 --> 01:04:51.400 phone and chat. If if I need to give them 1205 01:04:51.440 --> 01:04:54.039 a call back after, you know, after the show or something, 1206 01:04:54.360 --> 01:04:56.599 I'll give them a call back. But it's not a secret. 1207 01:04:57.079 --> 01:05:00.960 My cell number is always available. I'm avail in the office. 1208 01:05:01.039 --> 01:05:04.679 But you know the point is that we are available. 1209 01:05:05.039 --> 01:05:08.000 My whole staff is available. We answer the phone, we 1210 01:05:08.039 --> 01:05:11.920 call people back, We rarely, actually rarely have to call 1211 01:05:11.960 --> 01:05:13.960 people back. We're there to answer the calls. 1212 01:05:15.800 --> 01:05:19.880 So am I understanding if someone calls you at three am? 1213 01:05:19.920 --> 01:05:20.960 This is going to be cool. 1214 01:05:21.199 --> 01:05:23.639 That's that's only you that does have marrow. 1215 01:05:23.880 --> 01:05:31.360 Sorry, I am back in the you know he did. 1216 01:05:31.440 --> 01:05:33.440 I brought the bottom line you can ask to talk 1217 01:05:33.480 --> 01:05:33.800 to you. 1218 01:05:34.199 --> 01:05:34.679 Yeah. 1219 01:05:34.920 --> 01:05:37.039 I brought that up, Tom, because we did have a 1220 01:05:37.079 --> 01:05:39.119 listener call him at three am one time. 1221 01:05:40.159 --> 01:05:45.840 Yeah, No, we didn't. We did. Yeah, Wow, was it important? 1222 01:05:45.920 --> 01:05:46.159 John? 1223 01:05:47.440 --> 01:05:52.079 I don't recall. You know, back many years ago, I 1224 01:05:52.159 --> 01:05:55.639 used to handle criminal defense cases as well. And you know, 1225 01:05:55.760 --> 01:05:57.840 my card has had my cell number on it for 1226 01:05:58.039 --> 01:06:00.639 twenty three years now, so there's a few of them 1227 01:06:00.639 --> 01:06:03.440 out there. But but those guys used to be the 1228 01:06:03.519 --> 01:06:05.119 ones that would call me at two or three in 1229 01:06:05.119 --> 01:06:07.760 the morning, and it usually they'd pick up the phone 1230 01:06:07.800 --> 01:06:09.639 they call, and then they'd set the phone down, so 1231 01:06:09.679 --> 01:06:12.400 I'd sit there and listen to the entire police interaction 1232 01:06:13.000 --> 01:06:15.079 over the phone. When I'd wake up the next morning 1233 01:06:15.079 --> 01:06:18.039 and listen to the to the message and stuff. So 1234 01:06:18.079 --> 01:06:20.880 it's quite humorous. But no, I don't get too many 1235 01:06:20.880 --> 01:06:23.679 calls after hours. Not bad after hours. 1236 01:06:24.239 --> 01:06:28.119 That's scary. That really is scary. Now is Paul a 1237 01:06:28.199 --> 01:06:30.639 new caller? I thought I took him. Paul, you were 1238 01:06:30.679 --> 01:06:33.760 done with them? Tom, Well, Paul, are you done? Go ahead, 1239 01:06:33.840 --> 01:06:35.840 make your make your final points fall. 1240 01:06:36.840 --> 01:06:38.880 Well, I just you know, I just like I said, Man, 1241 01:06:39.000 --> 01:06:40.880 we'll talk to people like you can't talk to people 1242 01:06:40.920 --> 01:06:43.159 like that. You know, one side didn't that's it. You 1243 01:06:43.199 --> 01:06:44.960 don't see then. 1244 01:06:44.320 --> 01:06:45.639 It's not right scary. 1245 01:06:45.800 --> 01:06:47.960 So I was just shocked here they were both so 1246 01:06:48.079 --> 01:06:50.679 wrong on the condoms, like they didn't exist at all. 1247 01:06:50.920 --> 01:06:53.880 And it comes to find out they one the guy 1248 01:06:53.920 --> 01:06:56.599 got the wrong country. Who cares? It wasn't right here 1249 01:06:56.599 --> 01:06:57.880 in the good old us of. 1250 01:06:57.800 --> 01:07:00.880 A exactly like you said, dude, you know we got 1251 01:07:00.920 --> 01:07:03.360 vedrooms of stuff that are homes outside and don't worry 1252 01:07:03.400 --> 01:07:06.599 about other trumps. We could need to worry about ourselves first. 1253 01:07:08.119 --> 01:07:10.719 Wish we shipped one of those to Raff's dad. 1254 01:07:13.800 --> 01:07:17.480 Okay, now three O three seven one three talks seven 1255 01:07:17.519 --> 01:07:22.119 one three A two five five, taking all your calls, problems, questions, complaints. Truly, 1256 01:07:22.400 --> 01:07:24.840 we're having fun doing it too, So stick around for 1257 01:07:24.920 --> 01:07:26.000 the Troubleshooter show. 1258 01:07:28.000 --> 01:07:33.320 Yeah, ripped. 1259 01:07:34.559 --> 01:07:37.519 Bad news didn't need advice. 1260 01:07:37.159 --> 01:07:38.199 So you don't have the. 1261 01:07:40.199 --> 01:07:42.079 Come running just as fast. 1262 01:07:41.920 --> 01:07:42.559 As we can. 1263 01:07:43.480 --> 01:07:45.199 Trouble Shooter's gonna help. 1264 01:07:45.480 --> 01:07:48.239 Come man, This is. 1265 01:07:48.199 --> 01:07:51.559 The Troubleshooter Show. No Tom Martino. 1266 01:07:53.199 --> 01:07:56.079 Hey, I'm Tom Martino, and I welcome you to the show. 1267 01:07:56.119 --> 01:07:58.599 This hour brought to you by one Clear Choice Garage Doors. 1268 01:07:59.199 --> 01:08:02.480 If you're looking for or great service new garage doors, 1269 01:08:02.559 --> 01:08:04.840 new openers, any part of the door, any part of 1270 01:08:04.880 --> 01:08:07.639 the opener, they do it all and their price on 1271 01:08:07.639 --> 01:08:10.880 one Clear Choice Garage Doors. All of their prices clearly 1272 01:08:10.920 --> 01:08:14.920 marked on the website. Chappie started this with full transparency 1273 01:08:14.960 --> 01:08:20.880 twenty four to seven service one Clear Choice Doors dot Com. 1274 01:08:20.920 --> 01:08:23.079 Somebody says you never give out that number, Tom, I'm 1275 01:08:23.079 --> 01:08:26.560 gonna give it out now. Seven to zero three seven 1276 01:08:26.680 --> 01:08:29.159 zero thirty nine eighty seven. I want to welcome John 1277 01:08:29.159 --> 01:08:32.840 Fuller with us Fuller Law, and we're talking about personal injury. 1278 01:08:32.840 --> 01:08:34.560 If you have any questions on that, we're talking about 1279 01:08:34.600 --> 01:08:38.359 any and all things you want to talk about. Really, So, John, 1280 01:08:38.920 --> 01:08:42.399 what is on your mind in general in your field 1281 01:08:42.399 --> 01:08:46.199 of expertise? Are there any changing laws? Anything you're seeing 1282 01:08:46.399 --> 01:08:49.479 abusive wise? Are you seeing any just really if you 1283 01:08:49.479 --> 01:08:52.439 you know so many times we have experts on and 1284 01:08:52.760 --> 01:08:54.840 we take calls and inquiries, but I just want to 1285 01:08:54.880 --> 01:08:58.479 ask you straight up, anything particular that you think people 1286 01:08:58.520 --> 01:09:01.840 need to know that maybe occurs all the time or whatever. 1287 01:09:02.560 --> 01:09:04.439 You know, there are certain trends that just kind of 1288 01:09:04.439 --> 01:09:07.520 repeat themselves, and we go through phases with some of 1289 01:09:07.560 --> 01:09:10.000 these different companies out there. But one of the ones 1290 01:09:10.039 --> 01:09:14.479 that I've seen recently a lot of is these insurance 1291 01:09:14.479 --> 01:09:17.399 companies rushing out and trying to give offers to people 1292 01:09:17.720 --> 01:09:20.039 before they've even had a chance to consult with an 1293 01:09:20.079 --> 01:09:24.760 attorney and to try to settle their cases super fast 1294 01:09:24.800 --> 01:09:27.840 and for not that much money. And that's that doesn't 1295 01:09:27.880 --> 01:09:31.319 really happen all the time, but right now we seem 1296 01:09:31.359 --> 01:09:33.079 to have a lot of that. And so if you're 1297 01:09:33.119 --> 01:09:36.960 in that situation, do not accept an offer that literally 1298 01:09:37.079 --> 01:09:38.960 is like ten minutes after your accident. 1299 01:09:41.520 --> 01:09:48.279 Okay, Okay, that's really good advice. Do you feel that 1300 01:09:49.079 --> 01:09:53.199 there are cases where they're simple enough that a consumer 1301 01:09:53.239 --> 01:09:55.119 can handle them and you tell them just do this 1302 01:09:55.279 --> 01:09:57.640 and see what they say. 1303 01:09:58.359 --> 01:10:00.800 Well, I mean, you know, there are cases that we 1304 01:10:00.880 --> 01:10:04.720 don't accept because they don't require our assistance on them. 1305 01:10:05.399 --> 01:10:08.560 But if you're injured and you're getting treatment, and you've 1306 01:10:08.560 --> 01:10:12.279 got you know, you've got questions about which insurance companies 1307 01:10:12.279 --> 01:10:15.039 should be paying for things and what order they should 1308 01:10:15.039 --> 01:10:17.159 be paying. I mean, you're probably gonna be a lot 1309 01:10:17.239 --> 01:10:19.880 better off by having us on your side. But if 1310 01:10:19.880 --> 01:10:23.079 you're just you know, not injured, maybe you just had 1311 01:10:23.119 --> 01:10:25.760 one little trip to the Cairo or two or something 1312 01:10:26.079 --> 01:10:28.199 and you paid out of pocket, and it's just a 1313 01:10:28.279 --> 01:10:31.000 simple case all the way around, you might be okay, 1314 01:10:31.479 --> 01:10:34.359 but much more complicated than that, and it just opens 1315 01:10:34.439 --> 01:10:37.560 the door to problems that are gonna, you know, come 1316 01:10:37.600 --> 01:10:38.880 back to haunt you down the road. 1317 01:10:40.159 --> 01:10:42.920 Okay, I got this text just now when we were talking. 1318 01:10:43.319 --> 01:10:46.479 Does John believe in no dash cams? 1319 01:10:48.720 --> 01:10:48.960 Yes? 1320 01:10:49.479 --> 01:10:51.960 John believes in dash cams. I don't think that should 1321 01:10:51.960 --> 01:10:54.439 be a secret to any of your listeners. I'm a 1322 01:10:54.439 --> 01:10:55.640 big believer in dash cams. 1323 01:10:55.640 --> 01:10:55.800 You know. 1324 01:10:55.840 --> 01:10:59.359 The one of the things that I hate more than anything, 1325 01:10:59.399 --> 01:11:02.359 And you know, and maybe it's a function of you know, 1326 01:11:02.399 --> 01:11:04.920 a lot of the police forces are spread pretty thin. 1327 01:11:05.000 --> 01:11:07.399 They don't have enough people working in them and they 1328 01:11:07.439 --> 01:11:10.000 just don't have time. But the thing that I hate 1329 01:11:10.039 --> 01:11:11.960 more than anything is when a cop comes out to 1330 01:11:12.000 --> 01:11:14.800 an accident scene, they get a he said, she said, 1331 01:11:14.840 --> 01:11:16.880 and they just throw up their hands and say, well, 1332 01:11:17.319 --> 01:11:19.199 the parties don't really agree, so I'm not going to 1333 01:11:19.239 --> 01:11:21.760 write a ticket, and we don't really know who's at fault. 1334 01:11:22.000 --> 01:11:24.960 And I can guarantee you that the cop not knowing 1335 01:11:25.000 --> 01:11:27.119 who's at fault means we're going to get a denial 1336 01:11:27.199 --> 01:11:31.760 from the insurance company. Happens every single time. So one 1337 01:11:31.800 --> 01:11:36.560 way to eliminate that confusion, absolutely one hundred percent is 1338 01:11:36.600 --> 01:11:39.119 to have that nice little dash cam up there taking 1339 01:11:39.159 --> 01:11:42.840 a full color picture of exactly what happened in your accident. 1340 01:11:42.960 --> 01:11:47.520 It can completely and it does frequently, completely eliminate disputed 1341 01:11:47.560 --> 01:11:48.560 liability cases. 1342 01:11:50.319 --> 01:11:53.680 Okay, now, obviously it can also count against you if 1343 01:11:53.680 --> 01:11:54.760 you're an idiot, right I. 1344 01:11:54.680 --> 01:11:57.760 Mean well, I mean listen, if you're at fault, you're 1345 01:11:57.800 --> 01:12:00.840 at fault. I mean, that's that's the reality. But if 1346 01:12:00.880 --> 01:12:02.920 you're not the worst thing in the world is to 1347 01:12:02.960 --> 01:12:06.000 have some guys say, man, I'm really sorry, and by 1348 01:12:06.039 --> 01:12:07.800 the time you get home, you get a call from 1349 01:12:07.840 --> 01:12:11.199 their insurance saying we want to get your information. We 1350 01:12:11.319 --> 01:12:14.119 understand that you were at fault for the accident. The 1351 01:12:14.239 --> 01:12:16.880 guy completely changed his tune by the time he spoke 1352 01:12:16.920 --> 01:12:19.680 to his own insurance company. Now from that moment on, 1353 01:12:19.880 --> 01:12:22.479 you have this battle where we have to we have 1354 01:12:22.600 --> 01:12:25.359 to fight about liability and many times there's nothing you 1355 01:12:25.399 --> 01:12:26.560 can do. On those cases. 1356 01:12:28.960 --> 01:12:33.640 You know you're absolutely right. So in any case, what 1357 01:12:34.439 --> 01:12:39.119 I tell people all the evidence you can gather. I mean, obviously, 1358 01:12:39.399 --> 01:12:41.039 if you're in the right, which you know, you're not 1359 01:12:41.039 --> 01:12:43.319 going to seek legal help. If you don't think you're 1360 01:12:43.319 --> 01:12:45.479 in the right, if you think you screwed up, I mean, 1361 01:12:45.479 --> 01:12:46.880 then you have to get other kinds of help, and 1362 01:12:46.920 --> 01:12:50.039 your insurance should help you. But in any case, all 1363 01:12:50.399 --> 01:12:53.239 I mean cell phone people don't use their phones to 1364 01:12:53.279 --> 01:12:55.520 take pictures. They think they're weird, so they don't want 1365 01:12:55.560 --> 01:12:59.479 to do it. Dash cams are great, but the license 1366 01:12:59.479 --> 01:13:01.319 plate of the other I mean, there are people that 1367 01:13:01.600 --> 01:13:05.960 totally deny the encounter. Sometimes when authorities aren't called, they 1368 01:13:06.119 --> 01:13:12.159 literally deny the entire incident. I've had those cases. I mean, 1369 01:13:12.520 --> 01:13:14.199 it's crazy, okay. 1370 01:13:14.199 --> 01:13:16.199 I mean that's why I tell people, and you know, 1371 01:13:16.279 --> 01:13:18.800 get out of the car, take a picture, you know, 1372 01:13:18.880 --> 01:13:22.159 take a picture of the other driver. Those cases do 1373 01:13:22.319 --> 01:13:25.039 happen where the other driver just flat denis that they 1374 01:13:25.039 --> 01:13:26.880 were even in the car. 1375 01:13:27.479 --> 01:13:30.760 So cut off one person here, John, we have some 1376 01:13:30.880 --> 01:13:34.079 one person here who said they were driving down and 1377 01:13:34.199 --> 01:13:37.760 the RTD bus pulled out from its stop and never 1378 01:13:37.880 --> 01:13:41.359 look and smash them into an oncoming car and they 1379 01:13:41.359 --> 01:13:46.640 have injuries. Now, is is RTD self insured? How do 1380 01:13:46.680 --> 01:13:48.239 they deal with RTD? 1381 01:13:49.640 --> 01:13:54.680 So that's a hard question because there's more than one RTD. 1382 01:13:55.399 --> 01:13:59.840 RTD itself is a government entity, and you're basically dealing 1383 01:13:59.880 --> 01:14:02.920 with you know, state dollars and governmental immunity and all 1384 01:14:02.960 --> 01:14:07.319 those issues. But we also have a private contractor that 1385 01:14:07.439 --> 01:14:11.680 does an awful lot of RTD bus operation and everything else, 1386 01:14:11.720 --> 01:14:14.960 and they have their own private insurance. So it depends 1387 01:14:15.000 --> 01:14:17.800 on who and which one of the RTD buses you 1388 01:14:17.920 --> 01:14:20.279 happen to get hit by or happen to, you know, 1389 01:14:20.319 --> 01:14:25.920 be involved with. But you know it six and one 1390 01:14:25.960 --> 01:14:28.880 half dozen, they're both. They get a lot of claims 1391 01:14:28.880 --> 01:14:31.159 tom as you can imagine. So they're not very easy 1392 01:14:31.199 --> 01:14:31.680 to deal with. 1393 01:14:33.720 --> 01:14:39.359 Okay, But but for sure you need I mean you 1394 01:14:39.399 --> 01:14:41.920 they do have some kind of coverage, is what you're saying. 1395 01:14:41.920 --> 01:14:46.359 I mean, absolutely, government there's coverage. Yeah, No, you do 1396 01:14:46.439 --> 01:14:49.560 have governmental immunity issues. If it's the UH, if it's 1397 01:14:49.640 --> 01:14:54.279 truly RTD that is a government you know, funded, owned, 1398 01:14:54.359 --> 01:14:57.439 operated program, and you do have governmental immunity. 1399 01:14:57.079 --> 01:15:01.199 Issues that generally john that just per say, the driver 1400 01:15:01.520 --> 01:15:04.880 or the employee doesn't That doesn't stop the city or 1401 01:15:04.880 --> 01:15:06.239 whomever for paying out. 1402 01:15:07.239 --> 01:15:10.720 Sure it does, Sure it does, it does. Yeah. So, 1403 01:15:10.880 --> 01:15:13.960 I mean, here's the way governmental immunity works. The basic 1404 01:15:14.119 --> 01:15:18.000 rule is we're immune unless we say that we're not immune. 1405 01:15:18.079 --> 01:15:20.720 And one of the things that they statutorily say they're 1406 01:15:20.720 --> 01:15:24.800 not immune for is car accident. But you still have 1407 01:15:24.880 --> 01:15:27.800 to go through the motions of giving the statutory notice 1408 01:15:28.159 --> 01:15:29.960 and all of the steps that you have to do 1409 01:15:30.039 --> 01:15:33.159 to preserve your case or you will lose it forever, 1410 01:15:33.279 --> 01:15:37.520 regardless of what the statutes say about them waving immunity. 1411 01:15:37.640 --> 01:15:41.239 So it just is an extra procedural hurdle that if 1412 01:15:41.279 --> 01:15:44.399 a person is not represented or they don't know, they 1413 01:15:44.399 --> 01:15:47.000 can easily miss that deadline and later find out that 1414 01:15:47.079 --> 01:15:48.159 they have no case at all. 1415 01:15:48.399 --> 01:15:50.359 I guess more or less. What I was saying, though, 1416 01:15:50.760 --> 01:15:53.319 is with the exception of a snowplow in a car 1417 01:15:53.359 --> 01:15:55.920 park to where it shouldn't be or wherever, I mean, 1418 01:15:56.039 --> 01:15:59.399 generally speaking, if you get hit by an RTD bus, 1419 01:15:59.640 --> 01:16:02.840 and it's the bus's fault. If you get an attorney 1420 01:16:02.880 --> 01:16:04.680 and go through the hoops, you're going to end up 1421 01:16:04.720 --> 01:16:07.279 most likely getting paid. Correct. 1422 01:16:08.039 --> 01:16:10.279 Yeah, but if you wanted to get in by a 1423 01:16:10.319 --> 01:16:11.199 cop or but. 1424 01:16:11.520 --> 01:16:14.399 If your attorney or a cop or anybody, but if 1425 01:16:14.439 --> 01:16:18.800 your attorney wanted to actually go after that employee as well, 1426 01:16:18.840 --> 01:16:20.279 that's a whole different hurdle. 1427 01:16:22.479 --> 01:16:26.720 Well, we do go after the employee. It's just that 1428 01:16:26.720 --> 01:16:29.840 that person is afforded coverage by being in the course 1429 01:16:29.880 --> 01:16:33.560 of scope of their employment. I guess we're always saying 1430 01:16:33.600 --> 01:16:34.920 you after the driver itself. 1431 01:16:35.119 --> 01:16:37.720 But I'll put it two different ways. Let's say a 1432 01:16:37.760 --> 01:16:41.560 city worker, let's say an RTD bus driver, and let's 1433 01:16:41.600 --> 01:16:46.000 say just a private citizen that happens to be on 1434 01:16:46.119 --> 01:16:50.000 the job for whatever, driving some parts around to deliver. 1435 01:16:50.560 --> 01:16:53.640 So in either case, and let's say they were drinking. 1436 01:16:53.920 --> 01:16:56.560 Let's say the RTD bus guy was drinking and that 1437 01:16:56.760 --> 01:16:59.720 was proven and same with the other person, could you 1438 01:16:59.840 --> 01:17:05.439 go after that RTD bus driver for that aspect of it? 1439 01:17:06.239 --> 01:17:12.159 Okay, So listen to me really carefully. In every single lawsuit, 1440 01:17:12.880 --> 01:17:18.319 we go after the actual driver, Okay, in every single lawsuit. 1441 01:17:19.079 --> 01:17:23.359 Sometimes we also go after a company under a separate 1442 01:17:23.439 --> 01:17:27.920 claim such as negligent entrustment or something like that. But 1443 01:17:28.039 --> 01:17:30.960 we always go after the driver because it's the driver 1444 01:17:31.039 --> 01:17:36.039 who was negligent got it. RTD itself didn't cause the accident. 1445 01:17:36.159 --> 01:17:39.159 I mean, they may be by policy or bad hire 1446 01:17:39.279 --> 01:17:41.920 or something, but that's a different deal. But we always 1447 01:17:41.960 --> 01:17:46.000 go after the driver, and that driver is indemnified by 1448 01:17:46.199 --> 01:17:48.920 the fact that they're operating within the course and scope 1449 01:17:48.960 --> 01:17:53.039 of their employment. So that's why we have RTD paying 1450 01:17:53.039 --> 01:17:56.079 for the damages caused by driver A, driver B, and 1451 01:17:56.159 --> 01:18:02.199 driver C. We will almost never anything directly from that driver. 1452 01:18:02.600 --> 01:18:05.319 That driver is going to be covered by their employer. 1453 01:18:06.039 --> 01:18:08.800 Yeah, but that's the way it is with most people, 1454 01:18:08.880 --> 01:18:10.359 even when they have their own insurance. 1455 01:18:10.439 --> 01:18:13.079 Well, I was thinking if Margie d was going to say, hey, 1456 01:18:13.079 --> 01:18:16.119 we're only going to pay out whatever two million dollars, 1457 01:18:16.119 --> 01:18:19.279 I'll just throw something out and you still wanted more. 1458 01:18:19.319 --> 01:18:23.319 Could you go after that driver individually because he was drinking, 1459 01:18:23.560 --> 01:18:27.159 but yet he's a uh state employee. I mean, could 1460 01:18:27.239 --> 01:18:30.319 you still go after him for his house, his assets? 1461 01:18:32.319 --> 01:18:35.560 Most likely not mark You're You're you're going to end 1462 01:18:35.640 --> 01:18:38.239 up wanting to go after where the money is and 1463 01:18:38.279 --> 01:18:41.239 that's going to be with the employer and got it, you. 1464 01:18:41.199 --> 01:18:43.479 Know, no, and that that moves that that goes right 1465 01:18:43.520 --> 01:18:46.880 into our next text. By the way, you got Mark, 1466 01:18:46.960 --> 01:18:49.920 Mark hit on it. Yeah, So I'll take this break 1467 01:18:50.279 --> 01:18:53.479 and then this text has to do with what Mark 1468 01:18:53.520 --> 01:18:56.920 asked about going after other parties. Three oh three seven 1469 01:18:56.960 --> 01:18:59.119 to one three eight two five five. 1470 01:19:06.600 --> 01:19:07.880 Tom martinall. 1471 01:19:10.199 --> 01:19:13.760 Three seven one three talk seven one three eight two 1472 01:19:13.840 --> 01:19:17.920 five five Ken, go ahead, Ken, what's going on? 1473 01:19:19.119 --> 01:19:19.560 Yeah? Tom? 1474 01:19:19.600 --> 01:19:22.319 Before Thanksgivin and you were talking about your back surgeon 1475 01:19:22.399 --> 01:19:24.439 and I was driving and couldn't write down who the 1476 01:19:24.479 --> 01:19:26.319 surgeon's name is and the practice. 1477 01:19:27.680 --> 01:19:30.800 Yeah, just so you know, he's not the only one 1478 01:19:30.800 --> 01:19:34.359 that does it. Since it's been FDA he's one of 1479 01:19:34.399 --> 01:19:38.600 the first. But since it's been FDA approved, there are 1480 01:19:38.640 --> 01:19:40.840 a lot of really good surgeons that do it. But 1481 01:19:40.920 --> 01:19:44.800 my surgeon, I love him, and he is really doing 1482 01:19:44.920 --> 01:19:49.159 many of them is Joshua Beckman B E, C K, 1483 01:19:49.359 --> 01:19:52.279 M A N. And he's a he's at Saint A's 1484 01:19:52.680 --> 01:19:56.319 but he doesn't work well. He has a his practice 1485 01:19:56.399 --> 01:20:03.520 I believe is called neurosurgery. One doctor Joshua Beckman, and 1486 01:20:03.600 --> 01:20:07.319 he does the Uh, yeah, he does that one procedure 1487 01:20:07.359 --> 01:20:10.399 that I had done that of course TOP procedure, right, 1488 01:20:10.439 --> 01:20:14.640 Tom Yeah. Tops. Now, one thing, like I said, not 1489 01:20:14.720 --> 01:20:19.319 everyone is eligible for it, unfortunately, because you know one 1490 01:20:19.359 --> 01:20:22.720 of the yeah it's neurosurgery one dot com and but 1491 01:20:23.079 --> 01:20:26.239 one of the things is that it's not. It's just 1492 01:20:26.359 --> 01:20:28.880 not for everyone because people don't have the right structure 1493 01:20:28.920 --> 01:20:32.399 for it. But it's something to look into. Now. One 1494 01:20:32.399 --> 01:20:36.399 thing they have been doing, which is really amazing is 1495 01:20:36.439 --> 01:20:40.039 since the TOPS procedure, which is really an implant that 1496 01:20:40.119 --> 01:20:44.319 takes the place of your diseased facets and joints and disk, 1497 01:20:45.439 --> 01:20:48.800 it's only a proof for one level, meaning one level 1498 01:20:49.199 --> 01:20:52.960 at a time, not two levels together. So what they've 1499 01:20:53.000 --> 01:20:56.680 been doing people that had multiple problems, and this is ingenious, 1500 01:20:57.000 --> 01:21:00.479 they've been actually doing the fusion in the middle and 1501 01:21:00.520 --> 01:21:04.079 putting a top's device on the top and on the 1502 01:21:04.119 --> 01:21:10.640 bottom of the fusion for people that have big multi levels. Now, 1503 01:21:10.680 --> 01:21:14.560 the reason for that is, as you probably know if 1504 01:21:14.600 --> 01:21:18.359 you've looked into fusion there is fusions fail more than 1505 01:21:18.399 --> 01:21:22.319 they don't, and they fail because of what's called adjacent 1506 01:21:22.439 --> 01:21:26.359 disk disease where or adjacent facet disease where there's too 1507 01:21:26.439 --> 01:21:29.640 much pressure put on the back and there's no movement. 1508 01:21:29.840 --> 01:21:34.880 So by putting movement above and below the fusion, it 1509 01:21:34.960 --> 01:21:39.399 actually relieves the adjacent disk disease part of it. It's ingesting. 1510 01:21:40.079 --> 01:21:45.279 Now obviously what's yeah, Now the fusion then would not fail. Probably. 1511 01:21:45.560 --> 01:21:48.720 Now here's what would be best if they would just 1512 01:21:49.199 --> 01:21:51.640 the FDA I think they're going for it would do 1513 01:21:51.760 --> 01:21:55.800 multi levels of the of the tops because you could 1514 01:21:55.840 --> 01:21:59.720 literally just replace all of those facets period, just replace them. 1515 01:21:59.720 --> 01:22:02.359 But you have to have really good bone density and 1516 01:22:02.399 --> 01:22:04.760 stuff to do it. So I wish you the best. Man. 1517 01:22:04.840 --> 01:22:07.720 There's nothing more terra I shouldn't say there's nothing more terrible. 1518 01:22:07.720 --> 01:22:10.600 Back pain is very terrible, very terrible. Three oh three 1519 01:22:10.720 --> 01:22:14.720 seven one three talk seven one three eight two five five. 1520 01:22:15.079 --> 01:22:18.760 All right, John Fuller, we had that question that Mark 1521 01:22:18.800 --> 01:22:20.840 brought up. Somebody wanted to know. They say, Tom, you 1522 01:22:20.920 --> 01:22:25.000 always talk about ensuring what you're worth, because if if 1523 01:22:25.199 --> 01:22:29.119 if you're insured for fifteen grand, and they look at 1524 01:22:29.119 --> 01:22:31.520 your bank account or your house, or they do an 1525 01:22:31.560 --> 01:22:35.079 asset search, they may say, screw you, we're not taking 1526 01:22:35.119 --> 01:22:38.199 your insurance. We're gonna go after you. But does that 1527 01:22:38.359 --> 01:22:41.920 really happen does. I knew a couple who wanted to 1528 01:22:41.960 --> 01:22:44.960 save money again, and they were worth I know, they 1529 01:22:44.960 --> 01:22:48.960 were worth about five million dollars and they had state minimums, 1530 01:22:50.319 --> 01:22:54.079 and they got into an accident and the woman started 1531 01:22:54.600 --> 01:22:58.159 They won but for another reason, but they were coming 1532 01:22:58.199 --> 01:23:00.399 after the full monty and they they wouldn't take any 1533 01:23:00.439 --> 01:23:03.439 insurance settlement. And I told her, I said, look, you 1534 01:23:03.640 --> 01:23:07.720 underinsured yourself, and you're a very attractive target. And then 1535 01:23:07.760 --> 01:23:13.039 another personal injury attorney said, they hardly ever sue people personally. 1536 01:23:14.000 --> 01:23:16.039 What is your thought, what is your thought on that? 1537 01:23:18.239 --> 01:23:21.079 Well, both of those things are true. I mean, so 1538 01:23:21.640 --> 01:23:25.960 here's kind of the you know, the test. We generally 1539 01:23:26.119 --> 01:23:29.159 just go after insurance money because it's the only money 1540 01:23:29.199 --> 01:23:32.439 that's there most of the time, you know, most most 1541 01:23:32.520 --> 01:23:35.720 people don't have twenty five or fifty thousand or one 1542 01:23:35.800 --> 01:23:38.279 hundred thousand or three hundred thousand or any of those 1543 01:23:38.399 --> 01:23:41.319 nice round you know dollar amounts, just sitting in the 1544 01:23:41.359 --> 01:23:43.880 bank and waiting if they you know, to see if 1545 01:23:43.880 --> 01:23:48.000 they cause an accident. But here's where it does come 1546 01:23:48.039 --> 01:23:50.800 back to bite you. So if you have you know 1547 01:23:50.880 --> 01:23:54.079 the means, and you choose to under insure by having, 1548 01:23:54.479 --> 01:23:57.800 say twenty five grand, even though you're a multi millionaire. 1549 01:23:58.720 --> 01:24:00.239 Yeah, yeah, I take. 1550 01:24:01.079 --> 01:24:03.560 When I get ready to take policy limits from a 1551 01:24:03.600 --> 01:24:06.079 company and I know that I'm fixing the go to 1552 01:24:06.359 --> 01:24:09.319 my client's uninsured motorists. The first thing we have to 1553 01:24:09.359 --> 01:24:12.079 do is get permission. And guess what they do. They 1554 01:24:12.119 --> 01:24:15.560 do an asset check on the defendant and they discover, 1555 01:24:15.760 --> 01:24:19.039 oh my goodness, they actually do have enough money to 1556 01:24:19.119 --> 01:24:23.920 satisfy a judgment, and they are voluntarily uninsured at that moment. 1557 01:24:24.000 --> 01:24:28.680 And this does happen. The uninsured motorists company will pony 1558 01:24:28.760 --> 01:24:32.039 up the amount of money that this person had an 1559 01:24:32.039 --> 01:24:35.760 insurance and they will go after them directly for the 1560 01:24:35.960 --> 01:24:38.920 entirety of the damages without paying a nickel out of 1561 01:24:38.960 --> 01:24:41.720 the un proceeds. So it does happen. 1562 01:24:41.760 --> 01:24:45.640 They know that, So, John, But you, personally, or most 1563 01:24:45.680 --> 01:24:49.800 personal injury attorneys, you're telling me, no matter how attractive 1564 01:24:49.880 --> 01:24:52.079 the defendant, you would rather not go after them. 1565 01:24:53.640 --> 01:24:58.399 Well, no, I'm going after them. But the insurance company 1566 01:24:58.439 --> 01:25:01.319 has more money than they do most of the time. 1567 01:25:04.399 --> 01:25:07.920 You mean, so if they have okay, under in short 1568 01:25:07.960 --> 01:25:10.680 on insured coverage. So here's your deal. 1569 01:25:11.880 --> 01:25:15.079 Let's say that Let's say that you incur, you know, 1570 01:25:15.119 --> 01:25:18.199 a ninety thousand dollars hospital bill, and you lost thirty 1571 01:25:18.239 --> 01:25:21.319 thousand dollars of wages and all this stuff, right, and 1572 01:25:21.920 --> 01:25:24.079 I want to go after you directly. And I look 1573 01:25:24.119 --> 01:25:26.199 at you and I go, okay, wait a second. We've 1574 01:25:26.199 --> 01:25:29.439 got one hundred thousand dollars insurance policy and maybe by 1575 01:25:29.479 --> 01:25:32.079 the time you're done, I've got two hundred thousand dollars 1576 01:25:32.079 --> 01:25:36.159 of damages. You know, what are you going to do here? 1577 01:25:36.319 --> 01:25:38.760 I can get a hundred from the insurance company and 1578 01:25:38.800 --> 01:25:42.039 that check clears the bank. Or I can go after 1579 01:25:42.119 --> 01:25:45.840 you directly and not take the hundred, because going after 1580 01:25:45.880 --> 01:25:49.000 you directly means I have to forego taking the hundred 1581 01:25:49.279 --> 01:25:51.520 because the only way the insurance company would give me 1582 01:25:51.560 --> 01:25:54.239 the hundred is if I sign a release that lets 1583 01:25:54.239 --> 01:25:58.399 your guy off the hook. So if I don't sign 1584 01:25:58.439 --> 01:26:00.680 that release and I go after you, direc I have 1585 01:26:00.840 --> 01:26:03.880 to be able to find liquid assets that I can 1586 01:26:03.920 --> 01:26:07.439 attach to that are in you know, in the vicinity 1587 01:26:07.439 --> 01:26:09.760 of that two hundred thousand dollars that we believe are 1588 01:26:09.920 --> 01:26:14.079 our damages are. Or I can take the hundred and 1589 01:26:14.159 --> 01:26:17.680 then go after the uninsured motor is you know coverage 1590 01:26:17.720 --> 01:26:21.000 that we have on our own clients policy. And perhaps 1591 01:26:21.039 --> 01:26:23.960 my client gets made whole out of both of those 1592 01:26:24.000 --> 01:26:26.479 insurance policies versus or spend. 1593 01:26:26.239 --> 01:26:30.199 A year sign to collect money, or perhaps the UM 1594 01:26:30.640 --> 01:26:34.520 goes after the uh uh goes after the other party 1595 01:26:34.600 --> 01:26:37.199 because they say, look, yeah, we paid, but now we're 1596 01:26:37.199 --> 01:26:37.960 going to subrogate. 1597 01:26:38.039 --> 01:26:42.119 Right, Well, they can't do that if you've signed a 1598 01:26:42.159 --> 01:26:45.880 complete release to get the underlying liability settlement. That's why 1599 01:26:45.920 --> 01:26:49.000 you have to get permission from the UM carrier. So 1600 01:26:49.119 --> 01:26:51.239 the UM carrier looks at it and says, Okay, we 1601 01:26:51.279 --> 01:26:53.439 think the guys appropriately insured and we're going to give 1602 01:26:53.479 --> 01:26:55.560 you permission to settle. Then they're going to be bound 1603 01:26:55.880 --> 01:26:58.439 by that same release. It's a complete release that lets 1604 01:26:58.439 --> 01:27:01.600 that guy out there okay, you know, okay God and 1605 01:27:01.680 --> 01:27:05.279 for all of the damages. So that's why there is 1606 01:27:05.319 --> 01:27:08.960 this permission component to go after you am. 1607 01:27:08.680 --> 01:27:11.279 Now, John, I know it's a gamble, but we say 1608 01:27:11.279 --> 01:27:13.399 this to people all the time. Make sure you ensure 1609 01:27:13.439 --> 01:27:16.399 what you're worth, and you're kind of telling me if 1610 01:27:16.399 --> 01:27:19.279 you have some healthy insurance, you may not have every 1611 01:27:19.920 --> 01:27:22.239 And then also there has to be the loss itself. 1612 01:27:22.720 --> 01:27:25.439 So this one couple I was talking about, while they're 1613 01:27:25.479 --> 01:27:29.079 worth five million, and they only had fifteen thousand or whatever, 1614 01:27:29.119 --> 01:27:32.800 the twenty five thousand minimum, the actual damages of the 1615 01:27:32.840 --> 01:27:35.600 other driver. Actually we're not that bad. So you don't 1616 01:27:35.600 --> 01:27:38.439 go after money just because someone has it. You actually 1617 01:27:38.479 --> 01:27:39.760 have to have the loss, right. 1618 01:27:39.800 --> 01:27:43.439 I mean, that's how saying actual damage is. You can't 1619 01:27:43.520 --> 01:27:46.159 go after somebodey for more than your damages are. 1620 01:27:47.199 --> 01:27:50.079 Yeah, just because they're rich, exactly. But I guess what 1621 01:27:50.079 --> 01:27:53.520 I'm saying is are you saying then? And I'm not 1622 01:27:53.560 --> 01:27:56.439 trying to put you on the spot, but it's highly 1623 01:27:56.640 --> 01:28:00.319 unlikely that people are sued individually if they have a 1624 01:28:00.319 --> 01:28:01.479 healthy chunk of insurance. 1625 01:28:05.239 --> 01:28:11.000 Once again, we always sue people individually. We we then 1626 01:28:11.159 --> 01:28:14.520 have to make a determination on whether it is better 1627 01:28:15.039 --> 01:28:19.039 and more strategically advantageous for our clients to take the 1628 01:28:19.159 --> 01:28:24.880 limits of their their auto insurance versus not taking that 1629 01:28:25.079 --> 01:28:28.319 money and trying to go after these people individually. 1630 01:28:28.359 --> 01:28:33.319 You can't do both, Okay, got it? And you would 1631 01:28:33.359 --> 01:28:38.840 say most of the time, the insurance is the way 1632 01:28:38.880 --> 01:28:44.000 to go most of the time. Absolutely, Okay. Three three seven, 1633 01:28:44.039 --> 01:28:47.079 one three five. That's very telling, that's very I'm glad 1634 01:28:47.119 --> 01:28:48.880 you told me that because a lot of like I said, 1635 01:28:48.920 --> 01:28:52.840 I'm not telling people to underinsure themselves voluntarily, but perhaps 1636 01:28:53.039 --> 01:28:56.439 you know they don't have to exaggerate. Again, there's always 1637 01:28:56.479 --> 01:28:58.960 this theory that go ahead, John, want. 1638 01:28:58.800 --> 01:29:03.319 Listen that that what's your what's your here's the weak 1639 01:29:03.399 --> 01:29:05.479 link in that, in that theory that oh, I can 1640 01:29:05.560 --> 01:29:08.000 just underinsurre and they're always going to take the insurance. 1641 01:29:09.039 --> 01:29:12.159 It's only true if there happens to be, you know, 1642 01:29:13.199 --> 01:29:16.279 a healthy UN policy out there, and the UN policy 1643 01:29:16.399 --> 01:29:19.920 decides that you didn't intentionally under insure. So there is 1644 01:29:20.079 --> 01:29:23.680 risk in not carrying enough insurance. I would never advocate 1645 01:29:23.680 --> 01:29:27.159 that somebody not carry a ton of insurance, but for 1646 01:29:27.159 --> 01:29:30.520 for for different reasons. My main reason is because I 1647 01:29:30.600 --> 01:29:33.439 want to be able to get as much UM coverage 1648 01:29:33.439 --> 01:29:36.439 as I can to protect me and the occupants of 1649 01:29:36.560 --> 01:29:39.800 my car in the event that somebody who's uninsured or 1650 01:29:39.840 --> 01:29:44.359 who has that crappy insurance causes the accident. But no, 1651 01:29:44.520 --> 01:29:47.520 I would never suggest that you intentionally under insured. That's 1652 01:29:47.600 --> 01:29:48.199 just crazy. 1653 01:29:48.279 --> 01:29:48.479 No. 1654 01:29:48.479 --> 01:29:52.359 No, yeah, three oh three seven, one three eight two 1655 01:29:52.359 --> 01:29:55.039 five five. By the way, Frank durand the real estate 1656 01:29:55.159 --> 01:29:58.399 Man dot Com I love Frank Man. He's a great 1657 01:29:58.439 --> 01:30:01.520 person for buying or selling. But I also think you 1658 01:30:01.560 --> 01:30:05.279 can rely on him no charge for a market analysis 1659 01:30:05.600 --> 01:30:07.920 to see what your home will sell for, without listing 1660 01:30:07.920 --> 01:30:12.079 and without obligation. Three oh three nine two zero sixteen 1661 01:30:12.199 --> 01:30:20.359 twenty two Frank three in the real Estate man dot com. 1662 01:30:20.479 --> 01:30:22.800 Hey Tom Martino here at three oh three seven one 1663 01:30:22.840 --> 01:30:27.560 three talk seven one three eight two five five. All right, 1664 01:30:27.600 --> 01:30:32.680 So I wanted to talk to John about this other 1665 01:30:33.119 --> 01:30:39.199 uh text we got as far as they're if they're 1666 01:30:39.279 --> 01:30:45.279 involved in an activity with their car, like voluntarily, like 1667 01:30:45.439 --> 01:30:48.880 motocross or something like that, or they have a hot 1668 01:30:48.960 --> 01:30:51.680 car and they're they're racing it or they're having they're 1669 01:30:51.720 --> 01:30:56.560 out of track, Are they liable for injuries they cause others? 1670 01:30:56.640 --> 01:30:59.479 Or is that a higher risk assessment where people you know, 1671 01:30:59.520 --> 01:31:02.560 should respect that or I imagine a lot has to 1672 01:31:02.600 --> 01:31:07.159 do with what the participants sign when they participate. 1673 01:31:07.279 --> 01:31:10.560 What do you think, John, I think it has a 1674 01:31:10.560 --> 01:31:13.760 lot more to do with whether the insurance company knows 1675 01:31:13.840 --> 01:31:18.000 that they're ensuring you for that risk. So many policies 1676 01:31:18.039 --> 01:31:23.479 will exclude activities like that. Certainly, if it was something 1677 01:31:23.640 --> 01:31:27.199 illegal that that that may very well not be covered 1678 01:31:27.199 --> 01:31:30.960 by any insurance policy. 1679 01:31:31.920 --> 01:31:36.720 Okay, and you're you're screwed. I mean basically. But as 1680 01:31:36.760 --> 01:31:41.399 far as if people sign agreements and I've both often 1681 01:31:41.439 --> 01:31:45.199 asked you about this, disclaimers or what do you call them? Waivers? 1682 01:31:45.399 --> 01:31:48.279 Are they did they hold up? Yeah? 1683 01:31:48.520 --> 01:31:53.279 They do, they sure do. So there's two different kinds 1684 01:31:53.319 --> 01:31:55.680 of waivers that come into play. Tom One is for 1685 01:31:56.600 --> 01:32:04.119 you know, simple negligence, which is, you know, making a mistake, Okay, 1686 01:32:04.199 --> 01:32:07.640 nothing intentional, just just a mistake, acting in a way 1687 01:32:07.640 --> 01:32:11.640 that you know that that you should have known that 1688 01:32:11.680 --> 01:32:14.720 something bad could happen, and something bad, My gosh, that's 1689 01:32:14.760 --> 01:32:17.720 simple negligence. Those are going to be enforced every day 1690 01:32:17.720 --> 01:32:20.840 of the week. Where where you run into problems is 1691 01:32:20.880 --> 01:32:24.199 sometimes waivers are worded in a way that they actually 1692 01:32:24.760 --> 01:32:28.960 include things like reckless conduct and intentional conduct and gross 1693 01:32:29.000 --> 01:32:31.520 negligents and you see it written a bunch of different ways. 1694 01:32:32.079 --> 01:32:36.199 Those courts are much less likely to enforce. It comes 1695 01:32:36.239 --> 01:32:41.439 down to the the the activity itself, how necessary it is. 1696 01:32:41.600 --> 01:32:44.680 So the famous case on it is, you know, a 1697 01:32:44.720 --> 01:32:47.960 waiver that somebody had to signed to get propane put 1698 01:32:48.000 --> 01:32:50.199 into the tank at their house, and the court ruled 1699 01:32:50.199 --> 01:32:53.920 that that's so necessary because the alternative is your house 1700 01:32:54.039 --> 01:32:57.199 freezes and you you know, you have no heat that 1701 01:32:57.199 --> 01:33:00.840 that you know, there's a different analysis in terms of 1702 01:33:01.520 --> 01:33:05.079 enforcing an agreement than for a recreational activity that you 1703 01:33:05.119 --> 01:33:08.720 certainly don't have to do. So the courts will enforce them, 1704 01:33:08.720 --> 01:33:12.560 but much less so with gross negligents and words. 1705 01:33:12.359 --> 01:33:18.159 Like that, okay, we get it. Okay. So basically though, 1706 01:33:18.199 --> 01:33:24.239 the messages on waivers in general, you have to not 1707 01:33:24.399 --> 01:33:27.319 just have them to protect you if you do something, 1708 01:33:28.000 --> 01:33:30.760 if you're conducting something that could be risky, but you 1709 01:33:30.840 --> 01:33:34.039 have to watch what you sign as a participant. But 1710 01:33:34.640 --> 01:33:38.600 I was always told that even if you sign a waiver, 1711 01:33:39.319 --> 01:33:42.800 gross negligence is never overlooked. Is that right? 1712 01:33:45.399 --> 01:33:50.159 Well, I've seen plenty of waivers where gross negligence is waived. 1713 01:33:51.039 --> 01:33:53.760 The question is whether or not the courts are going 1714 01:33:53.800 --> 01:33:57.600 to enforce that. Okay, got it. Got But they're written 1715 01:33:57.600 --> 01:34:00.279 in a way that says, we wave everything under the sun. 1716 01:34:00.920 --> 01:34:03.640 Any theory you could ever come up with. You've waived it, 1717 01:34:03.800 --> 01:34:06.479 you know, But the issue whether it's going to be enforced. 1718 01:34:07.079 --> 01:34:09.119 I'll tell you something else that people need to be 1719 01:34:09.159 --> 01:34:12.439 aware of is that you know, there are many activities 1720 01:34:12.439 --> 01:34:15.279 that you can that you can do. I'm thinking of 1721 01:34:16.000 --> 01:34:19.720 a you know, a little I don't want to say 1722 01:34:19.720 --> 01:34:21.840 the name of the company, but a little activity in 1723 01:34:21.880 --> 01:34:24.319 the mountains where you you sign up and then go 1724 01:34:24.439 --> 01:34:28.279 for a ride on a particular conveyance and and just 1725 01:34:28.319 --> 01:34:30.960 signing up, they make you click through a screen on 1726 01:34:31.039 --> 01:34:33.359 the internet to where you agree to the terms of 1727 01:34:33.399 --> 01:34:37.239 their waiver. And and let me tell you, that's enforceable. 1728 01:34:37.720 --> 01:34:41.119 So don't think that those screens that you just click yes, yes, yes, 1729 01:34:41.199 --> 01:34:44.520 yes yes, crew on the internet aren't ultimately going to 1730 01:34:44.560 --> 01:34:47.000 come back to haunt you in the event that something 1731 01:34:47.039 --> 01:34:50.439 bad happens, because I promise you they will and they'll 1732 01:34:50.439 --> 01:34:51.159 be enforced. 1733 01:34:52.880 --> 01:34:55.600 You know what. That's really good advice. Okay, we have 1734 01:34:55.640 --> 01:34:57.880 more coming up on The Troubleshooter Show three oh three, 1735 01:34:58.359 --> 01:35:00.279 seven to one to three talks seven to one, three eight, 1736 01:35:00.399 --> 01:35:01.439 two five, five. 1737 01:35:02.560 --> 01:35:09.920 Yeah, ripped off bad news. 1738 01:35:10.760 --> 01:35:12.640 The need advice, so you don't have. 1739 01:35:14.479 --> 01:35:17.199 You'll come running just as fast as we can. 1740 01:35:18.039 --> 01:35:20.439 Show Shooter's gonna help come. 1741 01:35:21.000 --> 01:35:22.840 Man, This is. 1742 01:35:22.800 --> 01:35:28.439 The Troubleshooter Show now, Tom Martinez, welcome, Welcome. 1743 01:35:28.199 --> 01:35:30.680 My friends to the only show. It's kind' here to 1744 01:35:30.680 --> 01:35:34.840 solve problems, answer questions, take complaints. I'll tell you something, 1745 01:35:35.359 --> 01:35:37.640 this show's been a little different. We kind of dived 1746 01:35:37.680 --> 01:35:40.199 into politics. I got some thoughts on that in a second. 1747 01:35:40.399 --> 01:35:42.920 But really what we do is we try to recoup 1748 01:35:42.960 --> 01:35:46.880 money for you. Over three hundred million dollars. Listen to that, 1749 01:35:46.920 --> 01:35:52.159 three hundred million dollars in cash, merchandise exchanges, refund services. 1750 01:35:52.359 --> 01:35:54.319 I think you get the idea. We help. We help 1751 01:35:54.359 --> 01:35:58.119 get money back from bad contractors. We help get problems 1752 01:35:58.119 --> 01:36:01.399 solved like bad LAMB. It can't seem to fix a 1753 01:36:01.520 --> 01:36:04.079 furnace for you. If you're living in the cold, you 1754 01:36:04.199 --> 01:36:07.680 pretty much name it. We do it. In fact, someone 1755 01:36:07.720 --> 01:36:10.760 told me, Bo, do you have an actual update? Did 1756 01:36:10.760 --> 01:36:13.920 I hear that? I actually have an update? After a week, 1757 01:36:14.119 --> 01:36:16.800 Deputy Bo's got an update. Here's how things work on 1758 01:36:16.840 --> 01:36:18.680 this show. If you're new to it, you call up 1759 01:36:19.199 --> 01:36:22.199 generally if we can't solve it right now, we get 1760 01:36:22.239 --> 01:36:25.239 either a referral list member on a referral list dot Com, 1761 01:36:25.239 --> 01:36:28.079 one of our experts, whether that's an attorney like John 1762 01:36:28.159 --> 01:36:30.880 Fuller by the way, that is joining me today for 1763 01:36:30.920 --> 01:36:33.520 this hour. And we also have Deputy Doc. But we'll 1764 01:36:33.520 --> 01:36:35.439 get an expert on and then if we have to 1765 01:36:35.479 --> 01:36:38.359 go a step further, we will assign one of our 1766 01:36:38.399 --> 01:36:41.119 deputies to help work through the problem. What was the 1767 01:36:41.159 --> 01:36:44.199 initial problem? By the way, I always forget this three 1768 01:36:44.319 --> 01:36:47.199 zero three seven one three eight two five five. We 1769 01:36:47.239 --> 01:36:49.159 do have a couple lines open right now, and I 1770 01:36:49.279 --> 01:36:51.239 promise I'm going to go back to you, Pam in 1771 01:36:51.279 --> 01:36:54.000 a second and recap that so I can get involved 1772 01:36:54.000 --> 01:36:56.960 in at three oh three seven one three eight two 1773 01:36:57.039 --> 01:36:59.119 five five. I want to hear from you now, any 1774 01:36:59.199 --> 01:37:02.000 problem you got bo What was the initial call? 1775 01:37:02.520 --> 01:37:05.600 So Scott called in I believe at the ten o'clock 1776 01:37:05.720 --> 01:37:09.399 hour this morning. He had a contractor by the name 1777 01:37:09.439 --> 01:37:15.199 of Comfort Works install a Mitsubishi heat pump back in 1778 01:37:15.319 --> 01:37:21.000 November of twenty twenty three, and last year the unit 1779 01:37:21.119 --> 01:37:24.479 froze up and he couldn't get any heat out of 1780 01:37:24.520 --> 01:37:29.319 the thing, and with this recent very very cold weather 1781 01:37:29.600 --> 01:37:30.800 it froze up again. 1782 01:37:30.920 --> 01:37:33.479 No, this heat pump is basically his furnace, of course. 1783 01:37:33.760 --> 01:37:37.399 Yeah, it's it's doing both things, heating and cooling. 1784 01:37:37.560 --> 01:37:39.239 Is it a mini split system. 1785 01:37:39.000 --> 01:37:41.920 It's a yeah, it's a heat heat pump mini split Yes, 1786 01:37:42.079 --> 01:37:43.079 it does both things. 1787 01:37:43.199 --> 01:37:45.560 Very familiar. Those are some of the best things out there. 1788 01:37:45.560 --> 01:37:47.560 In fact, they'll save you a ton of money. But 1789 01:37:47.760 --> 01:37:49.800 when it was really cold, it wasn't heating. 1790 01:37:50.239 --> 01:37:54.600 No, because I believe this particular model didn't have supplemental heat. 1791 01:37:54.800 --> 01:37:56.880 Some of these heat pumps are good, but because when 1792 01:37:56.920 --> 01:38:00.359 it gets below zero at zero, they just don't work well. 1793 01:38:00.399 --> 01:38:02.399 So the ones on r just to give people an 1794 01:38:02.439 --> 01:38:05.359 idea how heat pumps work. We have a Susanna and 1795 01:38:05.359 --> 01:38:08.199 I have an all electric coach in RV, so when 1796 01:38:08.239 --> 01:38:11.399 we plug it in, our AC units are also heat pumps. 1797 01:38:11.600 --> 01:38:14.960 But just like Bo saying, if it gets down twenty 1798 01:38:15.039 --> 01:38:18.680 five degrees or so, they don't work very well at all, 1799 01:38:18.760 --> 01:38:23.000 so we end up burning diesel in our insta heat, 1800 01:38:23.239 --> 01:38:25.760 which gives us you know, it gives us fire, it 1801 01:38:25.800 --> 01:38:28.960 gives us real heat. But if it's around forty to 1802 01:38:29.039 --> 01:38:31.880 fifty degrees, those heat pumps were great to get it 1803 01:38:32.000 --> 01:38:34.720 up to you know, sixty five seventy wherever you want 1804 01:38:34.720 --> 01:38:35.399 to set it and. 1805 01:38:35.439 --> 01:38:36.720 Mark, they're very effashiout. 1806 01:38:36.880 --> 01:38:39.800 Could you explain to us the difference between a furnace 1807 01:38:39.840 --> 01:38:40.520 and a heat pump? 1808 01:38:41.239 --> 01:38:45.159 So well, Boat did this forever? I mean, the furnace 1809 01:38:45.279 --> 01:38:48.239 is usually natural gas or it's going to be runoff propane. 1810 01:38:48.520 --> 01:38:51.239 Yeah, furnaces gas fire dusts where you get the heat, 1811 01:38:51.279 --> 01:38:54.079 whereas a heat pump. To make it simple, it's actually 1812 01:38:54.079 --> 01:38:57.199 an air conditioner working in reverse. 1813 01:38:56.800 --> 01:38:58.720 And it's electric generally yeah. 1814 01:38:58.640 --> 01:39:01.479 Generally electric in an Aggtually, the free on or the 1815 01:39:01.960 --> 01:39:08.119 refrigerant actually captures the heat outside and through this superheat 1816 01:39:08.199 --> 01:39:11.279 and cooling, it transfers that heat back into the house 1817 01:39:11.279 --> 01:39:13.079 where you're not using natural gags. 1818 01:39:13.119 --> 01:39:15.520 And what we're really crazy about it. You think, okay, 1819 01:39:15.560 --> 01:39:18.239 if it's twenty degrees out, how does it get heat. Well, 1820 01:39:18.279 --> 01:39:19.319 there's always heat in the air. 1821 01:39:19.520 --> 01:39:22.560 It's like in the ground like geothermal, you know that's freezing, 1822 01:39:22.600 --> 01:39:25.439 but there's always some sort of heat yep, that they 1823 01:39:25.439 --> 01:39:28.720 can capture. So anyway, back to Scott, he called this 1824 01:39:28.840 --> 01:39:32.399 contractor at four to five times to get up to 1825 01:39:32.520 --> 01:39:34.479 come out. They were blowing him off. 1826 01:39:34.560 --> 01:39:34.960 Who was it? 1827 01:39:35.079 --> 01:39:36.479 Who was the contract company? 1828 01:39:36.600 --> 01:39:40.800 Is called Comfort Works Got a Fouler Colorado. 1829 01:39:40.199 --> 01:39:43.119 And that's Comfort Works with an X. Got a KS 1830 01:39:43.439 --> 01:39:43.800 got it? 1831 01:39:44.039 --> 01:39:46.600 So that's right, has an X. So I called them 1832 01:39:46.640 --> 01:39:50.399 three times during the breaks. They didn't call me back. 1833 01:39:50.520 --> 01:39:51.479 When did this come in? 1834 01:39:51.600 --> 01:39:53.439 It came in at ten o'clock this morning. 1835 01:39:53.520 --> 01:39:55.680 Wow, okay, So you called him back three times. 1836 01:39:55.720 --> 01:39:59.039 I called back three times. I left a very detailed message. 1837 01:39:59.239 --> 01:40:01.079 I left them the I don't number the unit, and 1838 01:40:01.159 --> 01:40:05.800 I also called my Mitsubishie supplier in Denver asked him 1839 01:40:05.800 --> 01:40:08.600 about the unit, and there is you can't buy a 1840 01:40:08.640 --> 01:40:14.960 supplemental heat strip to make the thing, make it work nice. So, uh, 1841 01:40:15.199 --> 01:40:17.960 Scott called me about twenty minutes ago, and he was 1842 01:40:18.039 --> 01:40:24.880 very thankful. He says, Bo, this contractor called me about 1843 01:40:25.760 --> 01:40:29.680 this about an hour ago, and he says, well, we apologize. 1844 01:40:29.720 --> 01:40:32.880 We're gonna get out to his house. We're gonna we're 1845 01:40:32.920 --> 01:40:36.039 gonna find out why the unit is freezing up. And 1846 01:40:36.119 --> 01:40:40.720 if they have to, they will install this electric supplemental 1847 01:40:40.760 --> 01:40:42.640 heater into his Mitchbisi unit. 1848 01:40:42.720 --> 01:40:44.079 And they're gonna do it no costs. 1849 01:40:44.119 --> 01:40:46.000 They're gonna do it. Hopefully, they're gonna do it at 1850 01:40:46.039 --> 01:40:46.560 no costs. 1851 01:40:46.600 --> 01:40:47.039 I love it. 1852 01:40:47.079 --> 01:40:48.760 Well, even if he asked if he didn't pay for 1853 01:40:48.840 --> 01:40:50.720 it before, long as they cut him a good deal. 1854 01:40:50.760 --> 01:40:52.079 Don't charge an right way if. 1855 01:40:52.000 --> 01:40:55.359 It's something that the contractor missed an installation. If this 1856 01:40:55.560 --> 01:40:58.640 electric heater, supplemental heat strip is not in. 1857 01:40:58.760 --> 01:41:00.880 So it should have been their period. It should have 1858 01:41:00.960 --> 01:41:03.079 been there, so there shouldn't be a cost. It's great 1859 01:41:03.119 --> 01:41:07.199 they finally got in contact, though, Yeah, leaving messages left 1860 01:41:07.199 --> 01:41:08.920 and right only. 1861 01:41:08.680 --> 01:41:12.399 Because the Troubleshooter show. That's my reason why he called 1862 01:41:12.479 --> 01:41:15.119 him back. Yeah, Scott's the kind of things. 1863 01:41:15.159 --> 01:41:16.880 I don't even know how you put a dollar amount 1864 01:41:16.920 --> 01:41:19.159 on it. Maybe if he called up I don't know, 1865 01:41:19.279 --> 01:41:21.760 Joe Blow and had to add it because his contractor 1866 01:41:21.840 --> 01:41:23.680 was out of business, what do you think it would be? 1867 01:41:23.760 --> 01:41:26.039 Five hundred one thousand. I don't know how much for 1868 01:41:26.119 --> 01:41:28.039 the service, call, the labor, the heats. 1869 01:41:28.000 --> 01:41:30.479 It's it's out. In fact, it's I forget. He lives 1870 01:41:30.520 --> 01:41:33.359 in a town called Onny Springs. I don't even know 1871 01:41:33.439 --> 01:41:34.000 where that is. 1872 01:41:34.039 --> 01:41:35.319 You know what, good Jombo. 1873 01:41:36.039 --> 01:41:37.960 He's gonna get it done. He's gonna get some heat 1874 01:41:38.000 --> 01:41:40.680 and he can maybe return those supplemental strip eaters he 1875 01:41:40.760 --> 01:41:41.760 bought at Target back. 1876 01:41:41.840 --> 01:41:42.319 Yeah. 1877 01:41:42.399 --> 01:41:44.600 Hey, John Fuller Fuller Law, how are you doing? 1878 01:41:44.640 --> 01:41:44.800 Man? 1879 01:41:45.600 --> 01:41:47.439 Marvelous? Marvelous, marvelous? 1880 01:41:47.520 --> 01:41:51.199 Hey are you We were we were talking last hour 1881 01:41:51.960 --> 01:41:53.760 and Pam, I promise I'm going to get back to you. 1882 01:41:53.840 --> 01:41:55.840 Three oh three seven one three a two five five. 1883 01:41:55.880 --> 01:41:58.680 We're trying to get someone on, Pam. Pam, I'm sorry 1884 01:41:58.720 --> 01:42:03.720 about that about your social security question. So hopefully we'll 1885 01:42:03.720 --> 01:42:06.159 get this expert on in a minute. I was thinking 1886 01:42:06.199 --> 01:42:08.960 about how I went after what was that guy's name, Ralph, 1887 01:42:09.239 --> 01:42:12.560 Ralph Ruff. Yeah, so him and Tom called up. We 1888 01:42:12.560 --> 01:42:15.760 were talking about Doze and basically he started in Trump's 1889 01:42:15.760 --> 01:42:20.560 a liar. For example, there never was fifty million, fifty 1890 01:42:20.640 --> 01:42:23.560 nine million dollars or whatever it is worth of condom 1891 01:42:23.680 --> 01:42:27.439 sent to the Gaza strip or sent to Afghanistan or wherever. 1892 01:42:27.680 --> 01:42:30.920 And basically what happened is, yeah, we were right, there 1893 01:42:31.079 --> 01:42:33.760 was that amount, but Trump said it went to what 1894 01:42:33.800 --> 01:42:35.640 did Trump say? I went to Gaza? Do you guys 1895 01:42:35.720 --> 01:42:40.359 remember Hamas or something like that. But to come back 1896 01:42:40.399 --> 01:42:42.600 on it, it didn't. It went to a different country, 1897 01:42:42.840 --> 01:42:46.159 whatever country. But still the fact was fifty nine million 1898 01:42:46.239 --> 01:42:48.600 or fifty million, whatever it is. And you can hear 1899 01:42:48.680 --> 01:42:54.479 Elon actually talk about where they actually went, and he apologized, Okay, 1900 01:42:54.520 --> 01:42:56.760 I got the wrong country. I'm not going to be perfect, 1901 01:42:57.000 --> 01:43:00.399 but you know what, we're finding stuff everywhere. Not everything 1902 01:43:00.840 --> 01:43:02.960 is going to be perfect, but feel free to ask 1903 01:43:03.039 --> 01:43:05.520 me and I'll clarify when I need to clarify. I 1904 01:43:05.520 --> 01:43:08.640 mean it was very straightforward, but really the whole thing 1905 01:43:08.760 --> 01:43:12.520 was about the wasteful spending. It doesn't matter what country 1906 01:43:13.039 --> 01:43:15.279 it went to. But I started thinking I was probably 1907 01:43:16.039 --> 01:43:18.680 a little too hard on him, and I'll tell you why, 1908 01:43:18.920 --> 01:43:23.039 because the first part of the Trump administration, going back 1909 01:43:23.079 --> 01:43:28.239 pre COVID, it was tough, man. I mean, the lefties 1910 01:43:28.279 --> 01:43:33.439 were absolutely crazy. Even what i'd call somewhat moderate Democrats 1911 01:43:33.479 --> 01:43:37.359 went absolutely nuts with Trump syndrome. And now he's back. 1912 01:43:37.439 --> 01:43:40.439 Now he's got a path. He's moving so fast. I 1913 01:43:40.479 --> 01:43:44.239 think it's freaking people out. John. I think he's moving 1914 01:43:44.279 --> 01:43:47.000 it to speed a light. And I think it's actually 1915 01:43:47.039 --> 01:43:51.119 by design. He's kind of creating chaos. So you know, 1916 01:43:51.199 --> 01:43:53.560 he's not going to do one thing, wait for them 1917 01:43:53.600 --> 01:43:55.600 to bitch, wait for him to take it to court, 1918 01:43:56.079 --> 01:43:58.359 and wait for different things. So I think he is 1919 01:43:58.399 --> 01:44:01.199 trying to create a l lot of things going on 1920 01:44:01.239 --> 01:44:04.199 at one time for a true purpose. But honestly, and 1921 01:44:04.239 --> 01:44:06.279 here's what I want to ask you as an attorney. 1922 01:44:06.399 --> 01:44:09.359 Of course, you're my personal injury attorney, and you know 1923 01:44:09.680 --> 01:44:11.760 a lot of callers use you, and I'm not asking 1924 01:44:11.800 --> 01:44:16.720 in your realm of law, but in general, in general, 1925 01:44:17.760 --> 01:44:22.319 it drives me insane when people either side of the 1926 01:44:22.359 --> 01:44:27.359 aisle go to a judge that is obviously very liberal 1927 01:44:27.520 --> 01:44:31.680 or very conservative on something that I don't think a 1928 01:44:31.840 --> 01:44:35.199 judge has any business being involved. And I'll give you 1929 01:44:35.239 --> 01:44:38.880 an idea one that it just went down Trump being 1930 01:44:38.960 --> 01:44:43.119 the chief, the chief man, the man, the mac daddy. 1931 01:44:43.680 --> 01:44:48.800 He runs the federal government, and he decided he wants 1932 01:44:48.840 --> 01:44:50.800 to cut a lot of jobs. I don't care what 1933 01:44:50.960 --> 01:44:54.239 department or anything. That's up to him. If he wants 1934 01:44:54.279 --> 01:44:57.399 to ask somebody if they want eight months up front 1935 01:44:57.439 --> 01:45:00.479 if they retire now, and then he warned them, also 1936 01:45:00.600 --> 01:45:03.600 might get fired if you don't take it, because we 1937 01:45:03.720 --> 01:45:07.239 might be cutting jobs. Simple as that. So people run 1938 01:45:07.279 --> 01:45:10.039 off to a judge and say, hey, he can't do that, 1939 01:45:10.520 --> 01:45:12.680 and then, of course, you know, it had to go 1940 01:45:12.760 --> 01:45:16.039 a couple weeks. Finally it hit an appeals process and 1941 01:45:16.119 --> 01:45:18.760 the judge basically said, yeah, of course he can go 1942 01:45:18.840 --> 01:45:22.119 ahead and make an offer. These are his employees. But 1943 01:45:22.680 --> 01:45:28.439 give me some rational understanding of knowing the legal system 1944 01:45:28.520 --> 01:45:32.279 from a judge's standpoint, Why why any of that makes 1945 01:45:32.319 --> 01:45:35.840 any sense? Why why can a judge even stop something 1946 01:45:36.000 --> 01:45:36.199 like that. 1947 01:45:36.399 --> 01:45:42.359 John, Well, so that's a tough question. I mean, here, 1948 01:45:42.520 --> 01:45:46.800 here's the thing. That the agenda is to stop everything 1949 01:45:46.880 --> 01:45:51.159 at all costs. And so there are legions of attorneys 1950 01:45:51.159 --> 01:45:55.199 in all fifty states that are raring to go on 1951 01:45:55.520 --> 01:45:59.920 every little, you know, everything executive order that he could sign. 1952 01:46:00.720 --> 01:46:04.079 And and you know, the attorney general in Colorado is 1953 01:46:04.119 --> 01:46:06.680 no exception. I mean he's been I believe, on every 1954 01:46:06.720 --> 01:46:10.119 single one of these lawsuits and and they've been prepared 1955 01:46:10.159 --> 01:46:13.199 to file these lawsuits for weeks and weeks and weeks 1956 01:46:13.279 --> 01:46:17.119 since the you know, since the election happened. It's nothing 1957 01:46:17.159 --> 01:46:21.439 more than an attempt to slow the role of the 1958 01:46:21.479 --> 01:46:22.079 Trump had been. 1959 01:46:22.800 --> 01:46:26.159 And that's that's that's I agree everything you said, and 1960 01:46:26.239 --> 01:46:29.239 I wanted you and hoped that you would answer that way. 1961 01:46:29.920 --> 01:46:33.079 And then the question becomes this, and I'm going to 1962 01:46:33.159 --> 01:46:37.319 let you think about it during the break. Why did 1963 01:46:37.359 --> 01:46:42.039 he not just enforce what he said, knowing when it 1964 01:46:42.119 --> 01:46:44.560 finally gets to an appeal, even if it has to 1965 01:46:44.600 --> 01:46:48.479 be appealed all the way up? What would the ramifications 1966 01:46:48.479 --> 01:46:52.000 and I don't mean public ramifications. Maybe this is truly 1967 01:46:52.039 --> 01:46:55.520 what people would call a constitutional crisis, but what would 1968 01:46:55.560 --> 01:47:01.279 happen if Trump and everybody, everybody in his work world said, listen, 1969 01:47:01.399 --> 01:47:05.279 a judge simply can't stop this. This judge is absolutely 1970 01:47:05.439 --> 01:47:08.479 looney tunes. There's no way to do it. So he 1971 01:47:08.680 --> 01:47:11.920 just he goes ahead and fires people or says, Okay, 1972 01:47:12.000 --> 01:47:15.279 we're done. Uh, we're not gonna We're not gonna stop 1973 01:47:15.359 --> 01:47:18.520 the offer right now. I don't care what the judge says. 1974 01:47:18.520 --> 01:47:20.520 We're gonna move forward. But hold your thoughts on that 1975 01:47:20.760 --> 01:47:22.680 because I got to take this. But that's kind of 1976 01:47:22.680 --> 01:47:25.600 where I'm going with this, like who's right Who's wrong? 1977 01:47:25.880 --> 01:47:29.279 If eventually John something is going to be overturned and 1978 01:47:29.399 --> 01:47:35.520 someone doesn't follow it, what happens, all right? Three oh 1979 01:47:35.600 --> 01:47:38.000 three seven one three A two five five. By the way, 1980 01:47:38.079 --> 01:47:42.359 join us on YouTube dot com and look up Troubleshooter Network. 1981 01:47:42.399 --> 01:47:44.640 You can hear us during the break. I put polls 1982 01:47:44.720 --> 01:47:47.359 up all the time, And what I mean by that 1983 01:47:47.520 --> 01:47:49.079 is like I just put a pull up. Was I 1984 01:47:49.159 --> 01:47:53.319 too hard on rolf on one of the comments I made? 1985 01:47:53.359 --> 01:47:55.479 And I was curious what our YouTube listeners thought of it. 1986 01:47:55.520 --> 01:47:57.760 I'm gonna get it back up in a second, but 1987 01:47:57.880 --> 01:48:00.760 it auto tried to correct it because the guy's name 1988 01:48:00.840 --> 01:48:04.119 is r Alf Right people. 1989 01:48:04.039 --> 01:48:05.039 R l s. 1990 01:48:05.119 --> 01:48:09.079 I don't get that right, rol S, that's right, Mark. 1991 01:48:09.239 --> 01:48:12.359 But anyhow, it messed it up. So anyhow I'll get 1992 01:48:12.399 --> 01:48:15.199 that pullback up, but join us. I always love knowing 1993 01:48:15.319 --> 01:48:17.239 if I was too hard on the guy he said 1994 01:48:17.279 --> 01:48:21.880 the condoms basically went U. The condoms actually, John, he 1995 01:48:21.960 --> 01:48:24.119 said the condoms didn't even exist, right. 1996 01:48:25.000 --> 01:48:26.920 He did say he said, we have a you know, 1997 01:48:26.960 --> 01:48:30.479 the government hasn't bought any none have been distributed. It's 1998 01:48:30.560 --> 01:48:33.439 not five million, five hundred, it's not even five he 1999 01:48:33.479 --> 01:48:34.439 said it was none. 2000 01:48:34.600 --> 01:48:36.960 Yeah, and it turned out it was fifty million, but 2001 01:48:37.000 --> 01:48:40.399 it wasn't too hamas they went to some other country. 2002 01:48:41.319 --> 01:48:44.399 And I made the comment because I was a little snarky. 2003 01:48:44.880 --> 01:48:47.520 I made the comment, I wish we sent some condoms 2004 01:48:47.560 --> 01:48:50.000 to his dad back in the day. So I just 2005 01:48:50.039 --> 01:48:51.760 wanted to know if that if I was going a 2006 01:48:51.760 --> 01:48:55.760 little overboard there. But man, listen, I got called a racist. 2007 01:48:55.840 --> 01:49:00.000 What was that two weeks ago because they shy said, 2008 01:49:00.039 --> 01:49:04.399 and I'm glad USAID is getting shut down. And this 2009 01:49:04.439 --> 01:49:07.640 guy actually emailed the station saying, you got to take 2010 01:49:07.680 --> 01:49:10.640 that guy off the air because I'm glad they're saving 2011 01:49:10.720 --> 01:49:13.399 money when they were talking about all the money going 2012 01:49:13.439 --> 01:49:16.560 out of there, and it's like, okay, okay, So what 2013 01:49:16.760 --> 01:49:21.079 happens is I get so worked up because these these crazy, 2014 01:49:21.279 --> 01:49:26.439 crazy left liberals, crazy left liberals, so I somehow take 2015 01:49:26.479 --> 01:49:30.720 that out. I probably shouldn't have told Ralph that is, 2016 01:49:31.279 --> 01:49:33.920 I wished his dad received economy. I probably shouldn't have 2017 01:49:33.920 --> 01:49:39.439 done that. Hey, Pam, what's going on with you? Pam? 2018 01:49:40.720 --> 01:49:40.920 Yeah? 2019 01:49:41.279 --> 01:49:44.000 How are you? Pam? I'm I'm kind of taking I'm 2020 01:49:44.039 --> 01:49:46.039 taking over on this call, so I'd like to know 2021 01:49:46.079 --> 01:49:49.159 what the original question is. So everybody's on the same page. 2022 01:49:50.159 --> 01:49:55.399 Okay, I have been retired since September of twenty twenty one, 2023 01:49:56.680 --> 01:50:00.880 which means I have been paying it my medic care 2024 01:50:01.840 --> 01:50:04.800 since that day. It's automatic to pull out of my 2025 01:50:04.960 --> 01:50:06.399 check before I get my checked. 2026 01:50:06.560 --> 01:50:08.359 And how long have you been paying for it? I'm 2027 01:50:08.399 --> 01:50:09.279 sorry the medicare. 2028 01:50:11.000 --> 01:50:14.319 That's the September of twenty twenty one. 2029 01:50:14.640 --> 01:50:17.800 Okay, so you turned a certain age and boom they 2030 01:50:17.800 --> 01:50:23.000 start taking it out of your Social Security correct correct? Yeah, 2031 01:50:23.039 --> 01:50:26.199 that's that's so far. All pretty normal. So what's going on? 2032 01:50:26.840 --> 01:50:27.119 Right? 2033 01:50:27.960 --> 01:50:32.239 So then I started doctoring for a hip replacement in 2034 01:50:32.640 --> 01:50:38.439 October of twenty four, Okay, and found out that I 2035 01:50:38.520 --> 01:50:43.720 didn't have Medicare party Okay, doctors. 2036 01:50:43.319 --> 01:50:47.039 Told me so. So I understand that so far, this 2037 01:50:47.239 --> 01:50:49.920 is perfect for John Jones. No matter how we listening, 2038 01:50:49.960 --> 01:50:52.439 I'm waiting for him to call in. Yeah, John, call in. 2039 01:50:52.520 --> 01:50:55.680 He's usually listening to the show. So, but go ahead, 2040 01:50:55.880 --> 01:50:58.640 And when did all this go down? By the way, like, 2041 01:50:59.159 --> 01:51:02.119 when did you find doubt you didn't have Medicare Part B. 2042 01:51:03.680 --> 01:51:06.439 In October? 2043 01:51:07.479 --> 01:51:10.960 Hey, pam to the amount of your Social Security checks 2044 01:51:11.319 --> 01:51:13.239 change at any point? 2045 01:51:13.680 --> 01:51:13.880 No? 2046 01:51:14.680 --> 01:51:19.399 Well, then they were taking out from Medicare Part B obviously. 2047 01:51:19.479 --> 01:51:22.199 Well why would the doctor say there was no Medicare. 2048 01:51:22.199 --> 01:51:25.039 Because he probably you know, the staff could have met 2049 01:51:25.039 --> 01:51:28.159 a clericallera. The best thing to do is to go 2050 01:51:28.279 --> 01:51:30.920 down to this Social Security office in person. 2051 01:51:31.079 --> 01:51:33.119 Well, first of all, how do we know she doesn't 2052 01:51:33.119 --> 01:51:38.319 have advantage? For example? I don't, okay, So what is 2053 01:51:38.359 --> 01:51:39.439 the doctor telling you? 2054 01:51:39.520 --> 01:51:39.720 Though? 2055 01:51:40.159 --> 01:51:43.279 So, Doc, what you're saying is if they're taking money 2056 01:51:43.279 --> 01:51:45.199 out of her check, it's got to be Part B. 2057 01:51:45.600 --> 01:51:48.279 Yeah, but it's been the same since she started. 2058 01:51:50.319 --> 01:51:51.920 Do you know if you have Part B or not? 2059 01:51:52.119 --> 01:51:54.239 I mean that seems it would seem to me like 2060 01:51:54.319 --> 01:51:57.560 you would know. But do you know, Pam buy. 2061 01:51:57.439 --> 01:51:59.520 The hope for a fact that I do not have it? 2062 01:51:59.680 --> 01:52:02.159 Okay, so you do not have Part B. So let's 2063 01:52:02.239 --> 01:52:04.800 just let's just say that's written in Stone. Now what. 2064 01:52:06.840 --> 01:52:10.159 And Social Security. I just got a letter from Social 2065 01:52:10.159 --> 01:52:15.520 Security in Santuary verifying that I do have Part B, 2066 01:52:16.640 --> 01:52:19.880 but social Security will not communicate with Medicare. 2067 01:52:20.359 --> 01:52:24.560 Well, that thing we just wrote in Stone sure change 2068 01:52:24.600 --> 01:52:27.640 pretty quick. So you do have Part B, but you've 2069 01:52:27.840 --> 01:52:30.079 but the doctor's saying you don't. So now I'm going 2070 01:52:30.159 --> 01:52:33.439 to go back to exactly what Doc was saying. Doc 2071 01:52:33.520 --> 01:52:37.840 saying you need to make an appointment with Social Security. Actually, Doc, 2072 01:52:37.880 --> 01:52:40.720 at this point, Social Security is saying she does have 2073 01:52:40.840 --> 01:52:43.359 Part B. So I don't know what good she's going 2074 01:52:43.439 --> 01:52:45.640 to go going to so Security. It's got to be 2075 01:52:45.680 --> 01:52:47.319 the doctor she's got to deal with. 2076 01:52:48.399 --> 01:52:52.880 No, I've been Social Security in offices, talked to hold 2077 01:52:52.920 --> 01:52:53.399 on a second. 2078 01:52:53.479 --> 01:52:57.800 Hey, hey, John Jones, John Jones and Tiger Insurance, what 2079 01:52:58.119 --> 01:52:59.760 are you making of this right here? 2080 01:53:01.079 --> 01:53:02.319 Gonna ask quick questions? 2081 01:53:02.399 --> 01:53:05.279 Yeah, go ahead, she's on the person you're talking with. Damn, 2082 01:53:05.319 --> 01:53:06.399 her name is How much are they? 2083 01:53:07.279 --> 01:53:12.079 Yeah? How much are they withdrawing out of her Social Security. 2084 01:53:11.640 --> 01:53:12.319 Check each month? 2085 01:53:13.640 --> 01:53:16.399 Well, that's your dollars. 2086 01:53:17.039 --> 01:53:17.560 There you go. 2087 01:53:17.840 --> 01:53:19.600 She has her Medicare Part B. 2088 01:53:19.760 --> 01:53:23.119 Then okay, now the next question is her doctor? Her 2089 01:53:23.199 --> 01:53:26.720 hip doctor told you exactly what. Go ahead? 2090 01:53:28.119 --> 01:53:31.279 Now if you talk to Medicare, Medicare little thing I 2091 01:53:31.520 --> 01:53:32.760 do not have play. 2092 01:53:34.439 --> 01:53:37.760 So how would that? How is that? John? Is it 2093 01:53:37.800 --> 01:53:40.359 even possible? Because I assume the one hundred and eighty 2094 01:53:40.399 --> 01:53:44.920 five is basically for everybody or almost everybody, I should say, 2095 01:53:45.439 --> 01:53:47.920 getting pulled out of their Social Security check each month 2096 01:53:48.000 --> 01:53:51.159 for Part B. The number lines up. That's why you asked, right, 2097 01:53:52.399 --> 01:53:55.640 that's correct. So if that lines up, it's obvious she's 2098 01:53:55.680 --> 01:53:58.399 been paying for it. Have you ever seen a case 2099 01:53:58.680 --> 01:54:02.479 where Social Secure he is taking the money out, but 2100 01:54:02.680 --> 01:54:05.159 Medicare has no idea? She has Part B. 2101 01:54:07.199 --> 01:54:10.760 She could clarify that real quick without going to Social Security. 2102 01:54:10.840 --> 01:54:13.359 If I could give her a quick phone number, Mark, 2103 01:54:13.359 --> 01:54:14.239 would that be out cut? 2104 01:54:14.399 --> 01:54:16.159 I'd love for you to do it. Who is it for? 2105 01:54:16.359 --> 01:54:16.520 Though? 2106 01:54:16.600 --> 01:54:18.720 Kind of tell everybody listening what it's about. 2107 01:54:18.920 --> 01:54:22.119 It's actually it's actually the NAE wand number for Medicare. 2108 01:54:22.399 --> 01:54:27.319 Oh, go ahead, go ahead, John, give it out that 2109 01:54:27.479 --> 01:54:27.960 you can talk. 2110 01:54:29.920 --> 01:54:31.359 It's one ice, You've done it. 2111 01:54:32.399 --> 01:54:35.079 Okay, Pam. Yeah, it's a give and take here, so 2112 01:54:35.119 --> 01:54:37.640 hold on because other people are listening. I want him 2113 01:54:37.680 --> 01:54:39.720 to give the phone number out, then he can give 2114 01:54:39.760 --> 01:54:41.880 instructions and we'll kind of hear what you were going 2115 01:54:41.960 --> 01:54:42.199 to say. 2116 01:54:42.239 --> 01:54:46.600 Go ahead, Okay, it's eight hundred six three three four 2117 01:54:46.760 --> 01:54:47.600 two two seven. 2118 01:54:48.520 --> 01:54:51.279 Now, John, I think what Pam's gonna say, but I'm 2119 01:54:51.279 --> 01:54:53.520 going to let her say it. You have tried calling 2120 01:54:53.560 --> 01:54:54.520 that numerous times? 2121 01:54:54.600 --> 01:54:54.840 Or what? 2122 01:54:56.439 --> 01:55:00.720 I have been on three way call with Medicare security 2123 01:55:00.720 --> 01:55:02.760 of me many times. 2124 01:55:02.800 --> 01:55:07.560 And what happens? Who? Who acknowledges there's a problem? Does anybody? 2125 01:55:07.800 --> 01:55:08.000 Or do? 2126 01:55:08.119 --> 01:55:11.800 They both say there is no problem? 2127 01:55:12.039 --> 01:55:17.000 Medicare social Security is not talking to them, and Social 2128 01:55:17.079 --> 01:55:21.960 Security has no idea of why my Medicare party is 2129 01:55:22.039 --> 01:55:26.680 taking away from me. But they set letters to the 2130 01:55:26.800 --> 01:55:33.720 payment processing center for Social Security, but nothing's happening with it. 2131 01:55:33.920 --> 01:55:36.359 I cannot get a reinstated. 2132 01:55:37.000 --> 01:55:38.920 John, What do you? What do you make of all this? 2133 01:55:39.000 --> 01:55:39.680 At this point? 2134 01:55:42.199 --> 01:55:42.359 Now? 2135 01:55:42.359 --> 01:55:44.439 I was thinking what Doc was saying too, to go 2136 01:55:44.520 --> 01:55:47.239 down the local Social Security office. But Pam, if I 2137 01:55:47.319 --> 01:55:51.000 may ask you this too, when you go to see 2138 01:55:51.000 --> 01:55:59.479 the doctor, and that doctor obviously builds Medicare. Correct, Yes, 2139 01:55:59.560 --> 01:56:03.399 for those bill If he works on Medicare assignment, he 2140 01:56:03.600 --> 01:56:07.680 those bills can go directly into Medicare. Is the doctor 2141 01:56:07.720 --> 01:56:12.920 coming back and saying he's not being paid by Medicare, Well, I. 2142 01:56:13.000 --> 01:56:15.880 Have because I just had the surgery then last week. 2143 01:56:16.800 --> 01:56:19.479 Oh so the surgery's done and over. They're just trying 2144 01:56:19.479 --> 01:56:20.159 to get paid. 2145 01:56:22.319 --> 01:56:25.680 Well, I'm trying to get my part be back because 2146 01:56:25.680 --> 01:56:29.159 I have party was with a hospital that took care 2147 01:56:29.199 --> 01:56:33.319 of the surgery. But he has to take care of 2148 01:56:33.560 --> 01:56:34.479 all of these. 2149 01:56:34.319 --> 01:56:37.760 Yeah, the medications and the follow up visits and everything else. 2150 01:56:38.800 --> 01:56:39.039 Yeah. 2151 01:56:39.640 --> 01:56:43.159 John, So you're saying we'll circle back to what doc said. 2152 01:56:43.199 --> 01:56:45.600 Is what you're saying right now. 2153 01:56:45.760 --> 01:56:47.279 Let me let me ask her to were you in 2154 01:56:47.319 --> 01:56:51.079 the hospital for the surgery or was it outpatient surgery? 2155 01:56:51.279 --> 01:56:54.920 It was outpatient surgery, but I ended back in the 2156 01:56:54.960 --> 01:56:56.359 hospital two days later. 2157 01:56:57.560 --> 01:57:01.119 Okay, off, So the surgery and everything, then he's going 2158 01:57:01.159 --> 01:57:03.239 to be covered under your Medicare Part B if it 2159 01:57:03.279 --> 01:57:10.119 was out patient surgery, if I had, yeah, well obviously 2160 01:57:10.199 --> 01:57:10.680 you do. 2161 01:57:11.960 --> 01:57:14.319 That's the whole thing. It is obvious you've been paying 2162 01:57:14.359 --> 01:57:16.760 for it and eventually, I mean, they're going to see it. 2163 01:57:16.760 --> 01:57:20.600 But as will say something, I have never performed the surgery, 2164 01:57:20.840 --> 01:57:27.039 thousands of them without first getting authorization from the insurance company. 2165 01:57:27.199 --> 01:57:28.880 So but she had the surgery. 2166 01:57:29.359 --> 01:57:33.279 But the doctor, he would not perform the surgery without 2167 01:57:33.319 --> 01:57:35.640 getting pre authorization from Medicare. 2168 01:57:36.039 --> 01:57:38.079 So obviously he was. 2169 01:57:38.199 --> 01:57:38.560 He was. 2170 01:57:38.640 --> 01:57:41.880 It was pre authorized, which means she had to have Medicare. 2171 01:57:41.880 --> 01:57:44.760 There's there's no problem with the cost of the surgery. 2172 01:57:44.880 --> 01:57:48.079 It was paid. It's the medication afterwards and the follow 2173 01:57:48.159 --> 01:57:50.039 ups where the Part b's coming in. 2174 01:57:52.840 --> 01:57:54.720 No, you don't have to you don't have to pre 2175 01:57:54.760 --> 01:57:59.279 author If i'm if, I might make a suggestion pay them. Also, 2176 01:57:59.199 --> 01:58:02.960 would your doctors obviously probably haven't even sent the bill 2177 01:58:03.159 --> 01:58:08.680 into Medicare yet. I just tell them, or you can 2178 01:58:08.720 --> 01:58:10.520 take it down to the office, however you want to 2179 01:58:10.560 --> 01:58:12.319 do it. You can see right now I'm paying for 2180 01:58:12.399 --> 01:58:15.079 my Medicare Part B. I need you to send the 2181 01:58:15.199 --> 01:58:16.439 bills to Medicare. 2182 01:58:16.880 --> 01:58:19.800 It's crazy, she's in this loop. I find it so 2183 01:58:19.920 --> 01:58:20.680 hard to believe. 2184 01:58:22.239 --> 01:58:28.159 Well, when I hear from security in which are you 2185 01:58:28.159 --> 01:58:29.600 You're not on Medicare advantage? 2186 01:58:29.640 --> 01:58:31.119 You do have a Medicare supplement. 2187 01:58:31.239 --> 01:58:37.359 I asked her that. I asked her that, And which plan. 2188 01:58:37.199 --> 01:58:37.960 Are you on there? 2189 01:58:39.520 --> 01:58:39.760 Gee? 2190 01:58:42.079 --> 01:58:45.039 G yep, yep, yeah, Okay. 2191 01:58:45.439 --> 01:58:48.079 The only thing after all this surgery, the only thing 2192 01:58:48.079 --> 01:58:50.279 you should have to worry about being out of pocket 2193 01:58:50.319 --> 01:58:52.319 this year is two hundred and fifty four dollars. 2194 01:58:52.439 --> 01:58:55.239 Yeah, that's it. On g right, yep. 2195 01:58:55.359 --> 01:58:59.079 Yeah, your Medicare part be deductible. Everything should be covered. 2196 01:58:59.399 --> 01:59:02.600 Yeah, and you got proof you're paying for it. 2197 01:59:04.359 --> 01:59:08.359 I understand the Medicure says they won't even accept the 2198 01:59:08.439 --> 01:59:10.920 bills because they say, I don't have party. 2199 01:59:11.119 --> 01:59:13.399 Oh my god, I gotta put this on hold. Hold on, 2200 01:59:13.880 --> 01:59:16.439 I don't This is one if anybody out there has 2201 01:59:16.479 --> 01:59:19.760 found themselves in this loop. I believe what she's saying. 2202 01:59:20.079 --> 01:59:22.720 Social Security, John, hold on, I gotta take this. 2203 01:59:29.479 --> 01:59:29.680 You know. 2204 01:59:30.119 --> 01:59:32.640 I got to apologize for anybody that's driven off the 2205 01:59:32.720 --> 01:59:35.479 road or committed suicide on this last call. It's one 2206 01:59:35.479 --> 01:59:38.479 of these things that is so frustrating. I have a caller, Pam, 2207 01:59:38.479 --> 01:59:39.760 and I'm going to bring her up and here's the 2208 01:59:39.800 --> 01:59:43.720 bottom line, and I believe her. Social Security is taking 2209 01:59:43.760 --> 01:59:46.039 out the money for Part B every month one hundred 2210 01:59:46.079 --> 01:59:48.159 and eighty five Bucks and they've been taking out for 2211 01:59:48.279 --> 01:59:51.319 Part B since two thousand and one. She had hip 2212 01:59:51.359 --> 01:59:55.000 surgery done. Now she needs follow up care, medication, whatever 2213 01:59:55.039 --> 01:59:57.800 that looks like. But when she goes to the doctor, 2214 01:59:58.199 --> 02:00:00.640 they try to build Medicare and they're you don't have 2215 02:00:00.680 --> 02:00:05.399 Part B, correct, Pam. Then on top of that, she 2216 02:00:05.479 --> 02:00:09.079 has had Medicare and Social Security on the phone a 2217 02:00:09.119 --> 02:00:12.199 three way call, and they all agree there's a problem. 2218 02:00:12.359 --> 02:00:14.720 They're not talking to each other in other words, Pam, 2219 02:00:14.920 --> 02:00:18.199 and please correct me if I'm wrong. But social Security 2220 02:00:18.279 --> 02:00:20.479 is saying we are taking the money out for a 2221 02:00:20.560 --> 02:00:23.720 Part B, and Medicare is saying we don't show that 2222 02:00:23.760 --> 02:00:24.960 you don't have Part. 2223 02:00:24.800 --> 02:00:26.520 B, right, correct? 2224 02:00:26.720 --> 02:00:29.119 Okay, We're going to go back to what doc said. 2225 02:00:29.159 --> 02:00:31.840 And I talked to John Jones during the break, and 2226 02:00:31.880 --> 02:00:34.319 I'm going to pull him up one more time. But John, 2227 02:00:34.600 --> 02:00:36.359 go ahead and tell me what you told me during 2228 02:00:36.359 --> 02:00:38.399 the break. I mean, we've got all the facts straight 2229 02:00:38.680 --> 02:00:42.079 long as Pam's not crazy, you know, and as long 2230 02:00:42.079 --> 02:00:44.359 as she's not crazy or lying, which I don't think 2231 02:00:44.439 --> 02:00:46.359 is a case. Who the hell would lie about this? 2232 02:00:46.760 --> 02:00:48.760 What does she do at this point? 2233 02:00:49.880 --> 02:00:52.680 And Pam, I'm think you know what doc originally said 2234 02:00:52.880 --> 02:00:57.000 I'd recommend go down the local Social Security office set 2235 02:00:57.039 --> 02:00:57.720 an appointment. 2236 02:00:57.720 --> 02:01:01.720 I'm going and they can help me. 2237 02:01:02.039 --> 02:01:05.439 Okay, Well, I swear to God, I don't now. Now 2238 02:01:05.760 --> 02:01:07.960 I'm getting to the point, Pam, it doesn't matter. You've 2239 02:01:07.960 --> 02:01:10.000 done everything. So let me ask you this. Have you 2240 02:01:10.039 --> 02:01:15.439 called a congressman, know, called the attorney jutant? Okay? And 2241 02:01:15.479 --> 02:01:18.560 what did the Attorney general say? 2242 02:01:18.840 --> 02:01:19.479 They get me? 2243 02:01:20.119 --> 02:01:22.399 Called me to call the fraud hotline? 2244 02:01:22.600 --> 02:01:26.279 The fraud hotline? Why the fraud hotline? Mark, I don't know. 2245 02:01:26.560 --> 02:01:28.880 I'm jumping straight down. I'm jumping straight down. 2246 02:01:28.760 --> 02:01:31.640 Around right, I'll try to reach out to public relations 2247 02:01:31.640 --> 02:01:33.399 with Medicare and take a stab out here. 2248 02:01:33.439 --> 02:01:35.960 You know who else might just might And Pam, I 2249 02:01:36.000 --> 02:01:39.239 hate to keep saying this, but I'm almost wondering if 2250 02:01:39.279 --> 02:01:42.760 we're missing something like here's an example, like you haven't 2251 02:01:42.840 --> 02:01:45.079 done some of the things you've said. I think the 2252 02:01:45.159 --> 02:01:48.039 problem's truly there. But let me bring this back to 2253 02:01:48.119 --> 02:01:52.399 reality real quick, Pam, what right now besides them telling 2254 02:01:52.439 --> 02:01:54.479 you you don't have Part B, do you have a 2255 02:01:54.479 --> 02:01:57.199 collection agency coming off from you? Do you have a 2256 02:01:57.279 --> 02:02:00.760 doctor refusing to give you follow up care? Can you 2257 02:02:00.800 --> 02:02:04.079 not get a medication. Where are we right now in this. 2258 02:02:06.199 --> 02:02:09.600 The only place I am just trying to get it reinstated? 2259 02:02:10.000 --> 02:02:10.159 What? 2260 02:02:10.319 --> 02:02:12.840 But Sam, I'm going to ask you the question again. 2261 02:02:12.920 --> 02:02:16.640 Forget about it. If if, if I don't even have 2262 02:02:16.720 --> 02:02:19.119 to put this, someone help me. What is the problem 2263 02:02:19.199 --> 02:02:22.600 right now? Once again, the doctor won't help you anymore. 2264 02:02:22.840 --> 02:02:29.600 You can't get medication? What? What is the actual problem? 2265 02:02:29.640 --> 02:02:32.560 The only the only problem I have right now? Well, 2266 02:02:32.640 --> 02:02:36.439 I almost got refuse surgery, but you didn't. 2267 02:02:36.560 --> 02:02:37.800 You didn't, So keep going. 2268 02:02:39.079 --> 02:02:41.640 The only problem I have is that I cannot if 2269 02:02:41.680 --> 02:02:43.640 I'm at jere Park be you reinstated. 2270 02:02:43.720 --> 02:02:46.640 Oh my god, I I okay, So Susanne, I'm putting 2271 02:02:46.680 --> 02:02:49.319 I'm putting her on hold. I don't know if I'm 2272 02:02:49.359 --> 02:02:53.720 not clear enough. I understand that someone told you you 2273 02:02:53.880 --> 02:02:56.239 don't have I'm gonna try one more time and then 2274 02:02:56.279 --> 02:02:59.119 I'm going to hang my own self. So so Pam, listen, 2275 02:02:59.239 --> 02:03:03.079 and I promise, I promise. If everything you're saying is correct, 2276 02:03:03.119 --> 02:03:03.760 We're gonna help you. 2277 02:03:04.039 --> 02:03:08.000 Are you being denied anything right now for medications or 2278 02:03:08.039 --> 02:03:08.760 do anything? 2279 02:03:08.880 --> 02:03:12.039 Are you being denied a damn thing right now? Besides 2280 02:03:12.319 --> 02:03:15.319 just knowing in your head you don't have it. Whether 2281 02:03:15.399 --> 02:03:18.279 that's correct or not, I don't know. But is anybody 2282 02:03:18.319 --> 02:03:24.479 denying you care? You need no? Okay? Bam three oh 2283 02:03:24.560 --> 02:03:30.840 three seven one three talk wow my three o three 2284 02:03:30.920 --> 02:03:33.960 seven one three eight two five five. Don't forget. Check 2285 02:03:33.960 --> 02:03:37.399 out the show on YouTube. Just type in Troubleshooter Network. 2286 02:03:37.399 --> 02:03:39.039 We're live on there all the time. Of course, our 2287 02:03:39.079 --> 02:03:43.600 podcast fifty thousand plus downloads every single month, one of 2288 02:03:43.640 --> 02:03:46.680 the biggest in the iHeart network. Now, anyhow, let's go 2289 02:03:46.720 --> 02:03:49.680 to Frank. Frank's got a question. Frank, you need a roof? 2290 02:03:49.800 --> 02:03:50.920 Is that my understanding? 2291 02:03:52.319 --> 02:03:55.680 Well, that is correct. In fact, I had called Excel 2292 02:03:55.800 --> 02:03:57.479 rooping this this morning. 2293 02:03:57.640 --> 02:03:59.920 Yes, and both to Carl. 2294 02:04:00.319 --> 02:04:03.279 And we have a little bit of snow on the 2295 02:04:03.319 --> 02:04:06.520 roof right now. I live in Monuments, so he's going 2296 02:04:06.560 --> 02:04:08.720 to come out next week, hopefully it'll melt by then. 2297 02:04:09.119 --> 02:04:11.199 Is this a cash pay or how are you paying 2298 02:04:11.279 --> 02:04:13.439 for the roof cash? 2299 02:04:13.920 --> 02:04:14.079 Oh? 2300 02:04:14.159 --> 02:04:16.800 Okay, you don't have insurance. It's not a claim. Just 2301 02:04:16.840 --> 02:04:21.760 out of curiosity, it's not a claim. 2302 02:04:22.039 --> 02:04:27.359 I have Compass insurance, okay. And my policy is renewing 2303 02:04:27.760 --> 02:04:31.960 next month, okay. And it went from sixty three hundred 2304 02:04:32.000 --> 02:04:34.399 to ninety six hundred. 2305 02:04:34.760 --> 02:04:37.199 Yeah, but that wasn't because of a claim. It's because 2306 02:04:37.239 --> 02:04:39.279 he lived in Monument right or Colorado for. 2307 02:04:39.239 --> 02:04:43.000 That Well yeah, and plus my roof is fifteen years old. 2308 02:04:43.119 --> 02:04:45.159 Well okay, but do you have I'm just curious and 2309 02:04:45.199 --> 02:04:47.159 I'm going to bring up Jay Brett's the owner Vicksel, 2310 02:04:47.199 --> 02:04:49.800 But I'm a little curious on something else. Do you 2311 02:04:49.840 --> 02:04:52.760 have an ACV policy so you would barely get any 2312 02:04:52.800 --> 02:04:53.720 coverage anyhow? 2313 02:04:55.439 --> 02:04:57.079 No, I have a full coverage. 2314 02:04:57.079 --> 02:04:59.920 And if there was hail damage, you know, whether you 2315 02:05:00.000 --> 02:05:02.159 you see it or not. But if Excel comes out there, 2316 02:05:02.239 --> 02:05:05.399 Carlos or whatever team member comes out and they say, oh, 2317 02:05:05.439 --> 02:05:07.880 you do have hail damage. Are you saying you wouldn't 2318 02:05:08.000 --> 02:05:12.399 have the insurance company pay for it because it's going up. 2319 02:05:13.680 --> 02:05:16.479 No, I'm not saying that. I guess if there was damage. 2320 02:05:16.479 --> 02:05:19.000 I perfect, man. I just wanted to make sure on 2321 02:05:19.039 --> 02:05:21.119 that and that I wasn't missing a reason you were 2322 02:05:21.119 --> 02:05:23.920 paying cash because you were saying it went up basically 2323 02:05:23.960 --> 02:05:26.239 three thousand bucks, that you might not do it, but 2324 02:05:26.359 --> 02:05:29.600 let me lock you in. Hey, Jay, here's really the question. 2325 02:05:29.680 --> 02:05:33.319 If he's got to pay cash, let's face it, in Colorado, 2326 02:05:33.800 --> 02:05:37.439 be honest Jay Brett's owner Excel Roofing, how many people 2327 02:05:37.800 --> 02:05:40.840 out of one hundred people pay cash for a roof 2328 02:05:40.880 --> 02:05:44.279 with no insurance involved in Colorado or that deal with 2329 02:05:44.319 --> 02:05:45.760 You give me an honest number. 2330 02:05:46.800 --> 02:05:50.600 Okay, hey, Mark, So this is the honest answer, and 2331 02:05:50.680 --> 02:05:53.920 it depends upon the ear back. In twenty twenty two, 2332 02:05:54.239 --> 02:05:56.159 when there hadn't been hailed for a while, we were 2333 02:05:56.199 --> 02:05:58.039 seeing a lot more people having to pay out of 2334 02:05:58.079 --> 02:05:59.199 their pocket for a new row. 2335 02:05:59.279 --> 02:06:01.439 Yeah, but what do weak because it was like sixty 2336 02:06:01.560 --> 02:06:02.760 forty what are we talking? 2337 02:06:03.680 --> 02:06:07.920 Yes, exactly in twenty twenty two is probably sixty percent 2338 02:06:07.920 --> 02:06:10.000 of the people were having to pay out of their 2339 02:06:10.039 --> 02:06:12.359 pockets got to the new roofs last year. It's been 2340 02:06:12.399 --> 02:06:15.399 a long time because there hadn't been any hail, and 2341 02:06:15.439 --> 02:06:17.960 there was also a lot of real estate transactions. Real 2342 02:06:18.039 --> 02:06:19.880 estate transactions will drive these. 2343 02:06:19.760 --> 02:06:21.920 Quite a Heck yeah they will. Heck yeah. 2344 02:06:21.960 --> 02:06:24.199 Well, last year when there was a lot of hal, 2345 02:06:24.600 --> 02:06:27.760 probably ninety five percent of our customers had insurance claims. 2346 02:06:27.800 --> 02:06:32.880 Got it now? Two direct questions, two direct credits questions 2347 02:06:32.960 --> 02:06:37.720 Bread Jay listen Number one, did you do any roofs 2348 02:06:37.720 --> 02:06:41.880 and monument this year due to hal? Last year we. 2349 02:06:41.760 --> 02:06:44.119 Have, and what we will do for Frank is when 2350 02:06:44.119 --> 02:06:46.000 we go out there, we're going to inspect it. And 2351 02:06:46.079 --> 02:06:47.880 it looks like he's got a claim, We're going to 2352 02:06:47.880 --> 02:06:48.880 tell him to file a claim. 2353 02:06:49.159 --> 02:06:49.720 Actually not. 2354 02:06:50.600 --> 02:06:53.399 If not, See, that's the thing. So many people call 2355 02:06:53.479 --> 02:06:57.119 up a roofer the riffer guard, but if not, hell hold. 2356 02:06:57.000 --> 02:06:59.520 On, I hear the music. But here was his other question, 2357 02:07:00.039 --> 02:07:02.760 do you guys have any promotions this time of year 2358 02:07:02.800 --> 02:07:05.479 because you're not super busy. If he does have to 2359 02:07:05.520 --> 02:07:08.439 pay cash, can you cut him a deal? I guess 2360 02:07:08.600 --> 02:07:10.520 is kind of what he's asking. Are you going to 2361 02:07:10.560 --> 02:07:13.840 be better than all the competition? Real quick, Jacobs, it's 2362 02:07:13.880 --> 02:07:14.720 gonna cut you off. 2363 02:07:15.760 --> 02:07:17.520 We've got some home show deals going right now, and 2364 02:07:17.560 --> 02:07:19.479 I'm not sure Carlos tells Frank about him. 2365 02:07:19.600 --> 02:07:21.800 I love it. If they do have deals going, Frank, 2366 02:07:22.199 --> 02:07:23.479 we're gonna be back tomorrow