WEBVTT 1 00:00:00.520 --> 00:00:07.839 Yeah, ripped bad news. 2 00:00:08.720 --> 00:00:10.519 Didn't need advice when you don't have. 3 00:00:10.679 --> 00:00:16.960 To come running just as fast as the can Shooter's 4 00:00:17.039 --> 00:00:19.480 gonna help her come h Man. 5 00:00:19.920 --> 00:02:30.120 Dix's the Troubleshooter Show. Now, Tom Martine. 6 00:01:36.879 --> 00:02:05.879 Almost Hi, Tom Martino here. Three oh three seven one 7 00:02:06.000 --> 00:02:08.599 three talk three oh three seven one three eight two 8 00:02:08.719 --> 00:02:11.360 five five. Welcome to the Only Show if it's kind 9 00:02:11.360 --> 00:02:13.840 anywhere in the universe. Let's try to get the show 10 00:02:13.879 --> 00:02:16.280 on the road. I got just a little problem with 11 00:02:16.319 --> 00:02:18.599 my earpiece, but I'll get right to it. So what's 12 00:02:18.639 --> 00:02:20.319 going on and how can we help you? That's what 13 00:02:20.360 --> 00:02:37.479 I ask each and every day. So happening here for example, Well, basically, I, uh, hey, hey, hey, hey, technically, 14 00:02:38.560 --> 00:02:40.039 thank you Mark, I'm going to reboot. 15 00:02:40.080 --> 00:02:41.960 Thank you you guys, I got to reboot all right. 16 00:02:42.000 --> 00:02:45.199 Three oh three seven one three a two five five. Hey, everybody, 17 00:02:45.560 --> 00:02:47.080 just forget any of that ever happened. 18 00:02:47.159 --> 00:02:49.400 Let's keep it at that. It's very simple. 19 00:02:49.400 --> 00:02:51.319 It's the only show if it's kind'er here to solve problems, 20 00:02:51.360 --> 00:02:53.520 answer questions, take complaints. 21 00:02:53.520 --> 00:02:55.759 Say it with me. We want to make your life 22 00:02:55.879 --> 00:02:56.719 just a little bit better. 23 00:02:56.759 --> 00:03:00.000 Three zero three seven one three eight two five five 24 00:03:00.159 --> 00:03:02.960 that's a telephone number three oh three, Martino, you've been 25 00:03:03.039 --> 00:03:06.479 ripped off taking advantage of check this out over three 26 00:03:06.599 --> 00:03:11.400 hundred million dollars in cash, merchandise exchanges refunds directly due 27 00:03:11.439 --> 00:03:13.759 to this show in studio with me today. 28 00:03:14.199 --> 00:03:14.879 You ready for. 29 00:03:14.840 --> 00:03:20.840 This guy's Compass Insurance Brian Burns. Brian, it's great seeing 30 00:03:20.840 --> 00:03:24.360 you man. I haven't I guess, I guess we've seen 31 00:03:24.400 --> 00:03:27.599 each other in the past four weeks. So actually, is 32 00:03:27.599 --> 00:03:30.199 that about right somewhere around there? Yeah, that's about right. 33 00:03:30.240 --> 00:03:30.759 And who's this? 34 00:03:31.080 --> 00:03:31.199 Uh? 35 00:03:31.599 --> 00:03:33.680 Who is this person next to you, sir? 36 00:03:34.120 --> 00:03:37.479 This next to me is my son, Riley Burns. 37 00:03:37.599 --> 00:03:39.840 I love it. And he's been with the company Compass 38 00:03:39.840 --> 00:03:40.599 for a couple of years. 39 00:03:40.560 --> 00:03:42.479 A couple of years. He's been working on the renewal team, 40 00:03:42.639 --> 00:03:45.560 so he deals with all the people that are coming 41 00:03:45.639 --> 00:03:47.479 up renewal has to reach out to them and look 42 00:03:47.520 --> 00:03:50.240 at other options. So, uh, he's been doing that and 43 00:03:50.280 --> 00:03:52.479 now is kind of stepping out and becoming a producer. 44 00:03:52.639 --> 00:03:55.680 So that's part of when we think of an insurance 45 00:03:55.719 --> 00:03:57.199 agency like yourself. 46 00:03:58.800 --> 00:04:00.159 Unlike companies at whole. 47 00:04:00.120 --> 00:04:03.439 People hostage like State Farm all State, they only sell 48 00:04:03.479 --> 00:04:06.919 their own product. You guys actually sell you know, thirty 49 00:04:07.000 --> 00:04:10.879 different lines depending on if it's commercial or homeowners or whatever, 50 00:04:11.560 --> 00:04:14.520 and you go out. So when you say the renewal division, 51 00:04:14.560 --> 00:04:19.279 what Riley's been doing is every year you guys reach 52 00:04:19.319 --> 00:04:21.639 out to me and say, hey, Mark, what you have 53 00:04:21.839 --> 00:04:25.279 right now for car insurance is still probably the best, 54 00:04:25.279 --> 00:04:27.920 but homeowners, we found you a little better deal, and 55 00:04:27.959 --> 00:04:29.040 we might switch around. 56 00:04:29.240 --> 00:04:31.519 Yeah, and I and right would probably speak to this 57 00:04:31.560 --> 00:04:34.879 even better than me. But usually you try to keep 58 00:04:34.879 --> 00:04:37.199 the auto and home together in most cases, if that 59 00:04:37.279 --> 00:04:39.439 makes sense, yeah, just because they give you such a 60 00:04:39.519 --> 00:04:42.040 discount for having together. But that's not always the case. 61 00:04:42.079 --> 00:04:45.759 There are definitely times, especially in this market, where companies 62 00:04:46.040 --> 00:04:48.000 don't really want the home insurance, so you just have 63 00:04:48.040 --> 00:04:49.959 to kind of piece mail it and figure out what 64 00:04:50.120 --> 00:04:51.680 the best overall option is. 65 00:04:51.920 --> 00:04:54.839 How many times I'm thinking, I've done business with you 66 00:04:54.879 --> 00:04:58.439 guys for at least fifteen years, yep, so, and I'm 67 00:04:58.480 --> 00:05:00.759 thinking of how many times we switch some of the 68 00:05:00.800 --> 00:05:03.439 big things, and people think about this out there. One 69 00:05:03.439 --> 00:05:08.240 of the biggest ones is when our teenagers turned sixteen, 70 00:05:09.199 --> 00:05:13.480 you immediately switched us from I don't remember who we 71 00:05:13.480 --> 00:05:16.800 were with, but we ended up going with I think progressive. 72 00:05:17.120 --> 00:05:19.160 Yeah, yep, I think you're right. I think we went 73 00:05:19.160 --> 00:05:22.519 to progressive. And I'm trying to remember who it was 74 00:05:22.560 --> 00:05:24.639 we were with before that too, But you're right. I 75 00:05:24.680 --> 00:05:28.759 would say there's a few different areas where it's like 76 00:05:29.639 --> 00:05:32.560 the optimal time to shop if you're out there, and 77 00:05:32.639 --> 00:05:35.319 it is, having young drivers come on is probably number one, 78 00:05:35.360 --> 00:05:38.399 just because the cost. We'll have companies where we put 79 00:05:38.399 --> 00:05:42.680 the same information in and it could be a range 80 00:05:42.839 --> 00:05:46.480 of one hundred percent higher in one company than another. Wow, 81 00:05:46.519 --> 00:05:50.160 it can be double double the rate. And so when 82 00:05:50.199 --> 00:05:52.639 people you know, are with the carrier and they add 83 00:05:52.680 --> 00:05:55.639 their young drivers on, that's the time they should, I 84 00:05:55.680 --> 00:05:58.600 mean chop around. If you're with us State farmer farmers 85 00:05:58.600 --> 00:06:00.000 are one of those that they're not gonna be able 86 00:06:00.120 --> 00:06:03.439 shop you. So that's the perfect time to you know, 87 00:06:03.480 --> 00:06:05.079 give us a call drivers. 88 00:06:05.519 --> 00:06:09.720 How about this sounds now? Speaking speaking of uh, speaking. 89 00:06:09.360 --> 00:06:12.120 Of insurance, let's go to the mic. First on the 90 00:06:12.120 --> 00:06:14.199 car wreck, we have John Fuller standing by for him 91 00:06:14.680 --> 00:06:17.279 and then sorry for the technical. 92 00:06:17.160 --> 00:06:19.319 We don't have any of those people uptown. 93 00:06:21.240 --> 00:06:25.120 Oh I'm sorry, I thought, Oh that's that's uh yeah, okay, 94 00:06:25.439 --> 00:06:26.160 it said we did. 95 00:06:26.279 --> 00:06:29.360 Yeah, I'm sorry, working on it to get it back up. 96 00:06:29.879 --> 00:06:36.560 Who was online one? Kelly? What's the name. Well, let's 97 00:06:36.600 --> 00:06:37.399 just go to line one. 98 00:06:37.680 --> 00:06:40.319 No hold on, Hold on, hold on. I need to 99 00:06:40.319 --> 00:06:45.920 get another attorney on. We have this scheduled. I apologize. 100 00:06:45.959 --> 00:06:48.399 I had to kind of reboot the computer. 101 00:06:48.759 --> 00:06:50.639 That's fine, I'll get it. We'll get him on hold. 102 00:06:50.680 --> 00:06:53.319 He was just just give us, anybody, just just give 103 00:06:53.399 --> 00:06:54.160 us whoever's there. 104 00:06:54.519 --> 00:06:59.199 Well, that's it, it's us, buddy. Okay. Well, anyway, so, Brian, 105 00:06:59.279 --> 00:06:59.959 this is a good one. 106 00:07:00.079 --> 00:07:03.959 Somebody wants to know about business interruption insurance. Yes, and 107 00:07:04.279 --> 00:07:10.120 they want to know when does that kick in? Somebody 108 00:07:10.199 --> 00:07:12.240 was having a problem collecting it. They didn't say what 109 00:07:12.279 --> 00:07:15.079 it was from, so I don't know if it's from whatever. 110 00:07:15.480 --> 00:07:19.480 But when does business interruption? We should explain that Compass 111 00:07:19.519 --> 00:07:25.240 Insurance Group does residential home, you know, auto and that 112 00:07:25.319 --> 00:07:28.680 kind of stuff, but you also do business insurance. And 113 00:07:28.800 --> 00:07:31.800 there are different kinds of lines for business like liability 114 00:07:32.120 --> 00:07:34.920 if you have a business you hurt somebody, or do 115 00:07:34.959 --> 00:07:39.759 you have errors and emissions as well? Yep, yep, okay, 116 00:07:39.920 --> 00:07:42.720 So what's business interruption insurance? 117 00:07:42.959 --> 00:07:46.519 So, and with your first question was like how long 118 00:07:46.560 --> 00:07:49.120 does it take to it, you know, kicks in. So 119 00:07:49.160 --> 00:07:51.879 what that is if your business there's a fire in 120 00:07:51.920 --> 00:07:55.360 your in your restaurants and you no longer can have 121 00:07:55.439 --> 00:07:58.519 customers coming in, that would be your business interruption insurance 122 00:07:58.519 --> 00:08:00.560 that would step in and cover you with that point, 123 00:08:00.920 --> 00:08:04.000 And as far as the deductibles if you want to 124 00:08:04.079 --> 00:08:06.439 use that word, would be a period of time, So 125 00:08:07.000 --> 00:08:09.759 you purchase what period of time you want. It could 126 00:08:09.839 --> 00:08:12.720 be a month, thirty days, it could be sixty days. 127 00:08:12.759 --> 00:08:14.959 So yeah, but what's the events? 128 00:08:16.120 --> 00:08:20.879 What are the events that are allowed to kick it in? 129 00:08:20.879 --> 00:08:23.720 In other words, you know, it can't be a bad rainstorm, 130 00:08:23.759 --> 00:08:24.560 I mean, what is it? 131 00:08:24.759 --> 00:08:24.959 Right? 132 00:08:25.040 --> 00:08:27.360 Yeah? No, I mean, like I said, fire would be 133 00:08:27.399 --> 00:08:31.199 one water damage. If you think about casualty losses when 134 00:08:31.360 --> 00:08:34.159 when those things occur, those are the ones that would 135 00:08:34.159 --> 00:08:37.679 come to mind most frequently. And again it depends on 136 00:08:37.720 --> 00:08:40.399 the kind of business. What would be a more common loss. 137 00:08:40.440 --> 00:08:43.559 But for a restaurant, fire is a very common loss 138 00:08:43.639 --> 00:08:46.919 because there's kitchen fires and then they're knocked out of it. 139 00:08:46.960 --> 00:08:50.000 But and then they actually have to you know, kick 140 00:08:50.000 --> 00:08:53.720 in their business interruption insurance to be able to cover 141 00:08:53.799 --> 00:08:54.679 them during that time. 142 00:08:56.240 --> 00:08:59.720 So even after the loss occurs, not the loss, the interruption. 143 00:09:00.000 --> 00:09:01.279 There's a certain waiting period. 144 00:09:01.639 --> 00:09:04.679 Yes, yeah, it's whatever you chose to purchase whenever you 145 00:09:04.720 --> 00:09:07.279 get the policy. Obviously, the longer period of time, the 146 00:09:07.679 --> 00:09:11.399 less expensive the insurance. So it's the equivalent of a deductible, 147 00:09:11.559 --> 00:09:14.360 just like people have a higher deductible for their homes. 148 00:09:14.519 --> 00:09:17.279 It's a matter of tolerance as far as what they choose. 149 00:09:18.840 --> 00:09:21.039 Now, I remember during COVID a lot of people were 150 00:09:21.120 --> 00:09:26.639 upset that their business interruption insurance excluded pandemics. 151 00:09:26.120 --> 00:09:27.720 Yeah, yep. 152 00:09:28.399 --> 00:09:30.200 One and terrorist attacks. 153 00:09:30.279 --> 00:09:33.320 Yeah, and terrorist attacks, and you'll see that. You know, 154 00:09:33.440 --> 00:09:37.840 there are companies where you can buy you know, writers 155 00:09:37.840 --> 00:09:40.799 for that type of coverage, but it's pretty expensive to 156 00:09:41.200 --> 00:09:41.879 go that route. 157 00:09:41.879 --> 00:09:45.519 But when these guys like in where was it, New Orleans? 158 00:09:45.559 --> 00:09:48.759 That guy rolled over and killed all those people on 159 00:09:48.799 --> 00:09:51.879 Bourbon Street with this vehicle. They said that was a 160 00:09:52.000 --> 00:09:55.840 terrorist attack. Does that mean the insurance wouldn't pay out, like, 161 00:09:55.919 --> 00:09:59.279 for example, life insurance policy if you were killed by. 162 00:09:59.159 --> 00:10:02.600 That management point yeah. No, Life insurance doesn't point mark. 163 00:10:02.639 --> 00:10:04.000 They can call anything anything. 164 00:10:04.559 --> 00:10:07.720 Yeah. Life insurance doesn't have those same kind of exclusions. 165 00:10:07.720 --> 00:10:11.679 It's a much more broad coverage, but things like business 166 00:10:11.679 --> 00:10:13.879 interruption in that sense. Let's say they shut down Bourbon 167 00:10:13.919 --> 00:10:17.679 Street and you didn't have any customers coming in again, 168 00:10:17.720 --> 00:10:20.039 it was for a short period of time, but that 169 00:10:20.240 --> 00:10:24.840 terrorist attack would. If your policy doesn't cover the peril 170 00:10:24.879 --> 00:10:27.200 of terrorism, then they could they could exclude that. 171 00:10:28.600 --> 00:10:32.519 Got it? Okay? All right? Three oh three seven one 172 00:10:32.559 --> 00:10:34.279 three talk three oh three, seven to three, eight two, 173 00:10:34.320 --> 00:10:37.960 five to five. Dustin your turn? What's going on with you? Dustin? 174 00:10:39.759 --> 00:10:43.240 So I've been going through a terrible custody and disillusion 175 00:10:43.240 --> 00:10:45.799 of marriage battle for two years a little actually longer 176 00:10:45.840 --> 00:10:46.120 than that. 177 00:10:46.759 --> 00:10:47.960 When it all first started. 178 00:10:48.159 --> 00:10:50.759 Uh, I just found out a whole plethora of lies 179 00:10:50.799 --> 00:10:54.080 that I was told. I didn't know what she was making. 180 00:10:54.120 --> 00:10:56.159 Now, Dustin, when did this? Here's what I have to 181 00:10:56.200 --> 00:10:58.559 ask you, though, sir. When did it all start? When 182 00:10:58.559 --> 00:10:59.799 did you file for divorce? 183 00:11:00.759 --> 00:11:01.519 Twenty two? 184 00:11:03.200 --> 00:11:03.559 Okay? 185 00:11:03.600 --> 00:11:08.720 And what what was it ever adjudicated? Did you get 186 00:11:08.720 --> 00:11:09.720 a final decree? 187 00:11:11.120 --> 00:11:11.480 Yes? 188 00:11:11.879 --> 00:11:14.559 So I was getting my son five days a week 189 00:11:14.600 --> 00:11:16.600 with my ex wife to have him on the weekends. 190 00:11:17.120 --> 00:11:19.200 That was supposed to be in September first of twenty 191 00:11:19.200 --> 00:11:19.679 twenty two. 192 00:11:20.919 --> 00:11:24.559 My ex wife never followed the court order and instead 193 00:11:24.639 --> 00:11:27.919 the day after the hearings, he filed a bunch of 194 00:11:27.960 --> 00:11:32.759 false allegations in different counties on me, allegations of sexual assault. 195 00:11:33.320 --> 00:11:34.039 I mean, you name it. 196 00:11:34.120 --> 00:11:35.240 Whatever do you want to make us? 197 00:11:35.519 --> 00:11:36.240 Was this okay? 198 00:11:36.279 --> 00:11:39.600 So wait wait wait, So after the final decree and 199 00:11:39.799 --> 00:11:45.159 after the child care plan for certain visitation, your wife 200 00:11:45.200 --> 00:11:46.759 then tried to take that away. 201 00:11:48.279 --> 00:11:50.240 Yeah, she just kept him. He never turned him over. 202 00:11:50.399 --> 00:11:52.559 She was actually supposed to pay five hundred I get it. 203 00:11:52.960 --> 00:11:53.519 How long? 204 00:11:53.799 --> 00:11:57.279 Okay, So the divorce was final on a certain date, 205 00:11:57.679 --> 00:12:04.519 and she never ever ever complied with visitation. Correct, even 206 00:12:04.559 --> 00:12:07.879 though you're telling me that the final decree and the 207 00:12:08.000 --> 00:12:11.879 parenting plan called for certain visitation. 208 00:12:13.279 --> 00:12:13.600 Correct. 209 00:12:13.639 --> 00:12:15.720 And I'll think it one step further. We finally got 210 00:12:15.720 --> 00:12:20.080 before a judge about six about five months ago, and 211 00:12:20.320 --> 00:12:23.080 addressed the court with her non compliance with the court order, 212 00:12:23.200 --> 00:12:26.080 and the judge asked her to bring my son to 213 00:12:26.120 --> 00:12:28.279 the court, whereas the next day I was given him 214 00:12:28.279 --> 00:12:30.279 in full custody. She was only allowed two hours of 215 00:12:30.320 --> 00:12:33.600 supervision time per week. After the third visit, she tried 216 00:12:33.600 --> 00:12:37.159 to false report that I had broken a protection order. 217 00:12:37.200 --> 00:12:38.879 She's got other false allegations against him. 218 00:12:38.879 --> 00:12:39.480 So wait a minute. 219 00:12:39.480 --> 00:12:42.440 So way you should have led with that, Dustin. You 220 00:12:42.480 --> 00:12:45.759 were given full custody. She was the one given, she 221 00:12:45.960 --> 00:12:49.559 was the one given visitation, and now she's trying to do. 222 00:12:49.600 --> 00:12:52.399 What is she trying to take away your custody? Or 223 00:12:52.399 --> 00:12:54.240 does she want to go back to joint or what 224 00:12:54.320 --> 00:12:55.240 is she trying to do? 225 00:12:56.240 --> 00:12:58.960 She's trying to destroy my life. Ultimately, that's all she's 226 00:12:58.960 --> 00:12:59.519 trying to do. 227 00:12:59.600 --> 00:13:01.919 I don't okay, but I need to know this. What 228 00:13:02.080 --> 00:13:04.320 is her end goal? Hold on, I get it, I 229 00:13:04.440 --> 00:13:07.399 get it, Dustin. That's everyone's goal in the divorce to 230 00:13:07.480 --> 00:13:11.440 destroy each other and let the kids suffer and be victims. 231 00:13:11.440 --> 00:13:15.000 That's everyone's goal. It shouldn't be, but unfortunately it is. 232 00:13:15.320 --> 00:13:17.399 So what I want to know is this, now that 233 00:13:17.480 --> 00:13:23.279 your wife is your ex is going after you, where 234 00:13:23.399 --> 00:13:24.039 is the child? 235 00:13:24.120 --> 00:13:25.879 Do you still have full custody? 236 00:13:26.960 --> 00:13:27.240 Yeah? 237 00:13:27.240 --> 00:13:30.080 He's been with me since November thirteenth. I have him 238 00:13:30.080 --> 00:13:30.759 every single. 239 00:13:30.600 --> 00:13:31.399 Day, all day long. 240 00:13:31.639 --> 00:13:31.840 Yep. 241 00:13:32.399 --> 00:13:32.799 Okay. 242 00:13:32.840 --> 00:13:36.639 Now what kind of proof or evidence is she presenting 243 00:13:36.720 --> 00:13:39.360 for her accusations? 244 00:13:39.399 --> 00:13:43.000 Nothing? Literally nothing, it's all hearsay evidence. It's all verbal 245 00:13:43.799 --> 00:13:46.080 she's provided, like, okay, and what are the. 246 00:13:46.039 --> 00:13:52.279 How did she actually did she actually file these in court. 247 00:13:53.600 --> 00:13:54.279 Yes, I've been. 248 00:13:54.360 --> 00:13:57.919 There's been fifteen cases brought against me in court on allegations. 249 00:13:57.960 --> 00:14:00.279 That's been eleven days in jail for faith, fake out gas. 250 00:14:00.440 --> 00:14:05.960 To only have fifteen cases dismissed, it's great, it's crazy. 251 00:14:06.080 --> 00:14:11.679 Yes, give me an example of an accusation that landed 252 00:14:11.720 --> 00:14:12.480 you in jail. 253 00:14:12.360 --> 00:14:15.320 County, Yes, sir. At Denver County, she claimed that I 254 00:14:15.360 --> 00:14:18.000 had sexually molested my son, who was three years old 255 00:14:18.000 --> 00:14:20.200 at the time that I had that my son was 256 00:14:20.200 --> 00:14:23.000 a product of rapes, even though we were married, and 257 00:14:23.039 --> 00:14:27.399 that never happened during the time we were married as well, 258 00:14:27.440 --> 00:14:30.120 and my son was conceived. I was actually on probation, 259 00:14:30.720 --> 00:14:34.320 and man, there's a lot of details of the story, but. 260 00:14:34.440 --> 00:14:36.360 Yeah, like a let me ask you this. 261 00:14:37.039 --> 00:14:42.559 Were you on Were you on probation for sexual of 262 00:14:42.600 --> 00:14:43.120 any kind? 263 00:14:43.159 --> 00:14:44.600 Sexual charges of any kind? 264 00:14:45.879 --> 00:14:46.080 Yes? 265 00:14:46.159 --> 00:14:48.799 An online Internet of sense that she was fully aware of. 266 00:14:49.960 --> 00:14:52.960 Hold on the online? Was it with the youngsters? 267 00:14:54.519 --> 00:14:54.840 It was? 268 00:14:55.000 --> 00:14:55.919 Hold on, We'll. 269 00:14:55.720 --> 00:14:59.000 Come twenty twelve and I'm coming. 270 00:14:59.200 --> 00:15:02.840 Hold on, hold on, bro hold on, We'll come right 271 00:15:02.879 --> 00:15:04.840 back to you. I'm Tom Martino three oh three seven 272 00:15:04.919 --> 00:15:06.279 one three eight two five five. 273 00:15:10.320 --> 00:15:13.559 Go with a sure thing Denver's best roofer Excel Roofing 274 00:15:13.679 --> 00:15:16.320 dot com. You don't pay a cent until you're content. 275 00:15:19.679 --> 00:15:22.879 Time for an insurance check up free, no obligation. In comparison, 276 00:15:23.000 --> 00:15:26.600 call Compass Insurance. Paying too much your coverage at dozens 277 00:15:26.600 --> 00:15:29.320 of insurance companies find out now three oh three seven 278 00:15:29.440 --> 00:15:32.240 seven to one help. You'll think you're his only customer 279 00:15:32.279 --> 00:15:34.519 when you choose Frank durand the real estate Man dot 280 00:15:34.559 --> 00:15:35.799 com to list your. 281 00:15:35.639 --> 00:15:37.320 Home with Remax Alliance. 282 00:15:37.559 --> 00:15:41.639 Three oh three nine two zero sixteen twenty two. 283 00:15:44.039 --> 00:15:46.679 Hey, I'm Tom Martino. Three oh three seven one three 284 00:15:46.759 --> 00:15:50.960 talk seven one three eight two five five. Waterpros dot net. 285 00:15:51.000 --> 00:15:53.440 The best water systems at the lowest prices, and I 286 00:15:53.600 --> 00:15:59.039 mean the lowest prices anywhere you will get the best 287 00:15:59.440 --> 00:16:02.120 at the lower and right now you got to call 288 00:16:02.279 --> 00:16:03.240 for special pricing. 289 00:16:03.639 --> 00:16:04.440 Now I think. 290 00:16:04.279 --> 00:16:07.600 He's extending the Valentine's Day special thirty one ninety five 291 00:16:08.480 --> 00:16:14.600 for all house that's drinking water and softener and forever chemicals. 292 00:16:14.639 --> 00:16:17.840 It's the best deal of the century. Three oh three 293 00:16:18.039 --> 00:16:21.840 seven one three eight two five five. Okay, let's go 294 00:16:21.919 --> 00:16:24.960 back to the phones. We were trying to get an 295 00:16:24.960 --> 00:16:29.480 attorney to answer this Dustin. But I will say this, Okay, 296 00:16:29.519 --> 00:16:30.039 I did. 297 00:16:30.159 --> 00:16:32.440 I need to ask some basic questions. 298 00:16:33.120 --> 00:16:38.240 Basically, what you're saying is she keeps making accusations. The 299 00:16:38.360 --> 00:16:41.159 courts are used to this, Okay, they're used to this. 300 00:16:41.320 --> 00:16:49.240 Now you say all fifteen charges. She brought up fifteen 301 00:16:49.320 --> 00:16:51.000 charges and all were dismissed. 302 00:16:51.039 --> 00:16:51.600 Is that right? 303 00:16:52.720 --> 00:16:53.159 Yes, sir? 304 00:16:55.559 --> 00:16:59.759 Okay, So don't the courts go ahead? What did you say? 305 00:17:00.240 --> 00:17:03.279 There was a CPS report found that my son was 306 00:17:03.320 --> 00:17:04.359 being coached. 307 00:17:04.559 --> 00:17:05.880 To say things, and. 308 00:17:06.559 --> 00:17:07.119 I get it. 309 00:17:07.400 --> 00:17:10.519 So now now isn't it solved? Then you had hold on, 310 00:17:10.960 --> 00:17:15.640 isn't it solved? You had all fifteen discharged or dismissed, And. 311 00:17:17.720 --> 00:17:21.000 I mean, isn't it done currently? 312 00:17:22.160 --> 00:17:25.720 So currently, sir, I am facing one more false allegation 313 00:17:25.960 --> 00:17:29.200 of harassments, which is all calls that I had left 314 00:17:29.240 --> 00:17:31.799 as a record to just stay involved and connected to 315 00:17:31.839 --> 00:17:34.079 my son. And he also goes through the Talking Parents app. 316 00:17:34.880 --> 00:17:40.279 But her and her husband run a nonprofit legal service 317 00:17:40.759 --> 00:17:43.759 and they're they're they're just they're just on this like 318 00:17:43.880 --> 00:17:47.160 judicial attack. They're weaponizing the justices that it's been sett 319 00:17:47.200 --> 00:17:47.519 in court. 320 00:17:48.519 --> 00:17:51.119 So here's what I want to know, justin so right now, 321 00:17:51.279 --> 00:17:53.920 all the stuff you told us is behind you and 322 00:17:54.000 --> 00:17:55.799 the only thing going on now, And I don't mean 323 00:17:55.839 --> 00:17:57.559 it's I don't mean to sound like it's a walk 324 00:17:57.599 --> 00:17:59.720 in the park, but the only thing going on now 325 00:17:59.880 --> 00:18:03.759 is basically now they're going after you for harassment. 326 00:18:04.799 --> 00:18:06.880 And they're also suing me in the federal court for 327 00:18:06.920 --> 00:18:09.599 ten million dollars and also two other. 328 00:18:09.680 --> 00:18:14.480 Wait wait, why are they suing you for ten million dollars? 329 00:18:15.240 --> 00:18:18.759 They claim libel and slander because in court, under testimony 330 00:18:19.039 --> 00:18:22.240 or under oath, I said that I was I knew 331 00:18:22.240 --> 00:18:24.480 of her husband to have a violent history, which the 332 00:18:24.559 --> 00:18:27.759 judge agreed with me. That is literally it. That is 333 00:18:27.759 --> 00:18:28.200 literally it. 334 00:18:29.160 --> 00:18:33.000 Well then that would be thrown out, man, I would imagine. 335 00:18:33.000 --> 00:18:34.440 But I mean, I've been going to court for two 336 00:18:34.559 --> 00:18:36.240 years plus on this and I don't know where the 337 00:18:36.359 --> 00:18:38.039 justice is going to come and where the accountability. 338 00:18:38.039 --> 00:18:40.240 So what are you calling about? What are you calling 339 00:18:40.279 --> 00:18:42.880 about today? Dustin? It's pretty obvious we're not going to 340 00:18:42.880 --> 00:18:44.680 solve your problem. What are you calling about? 341 00:18:46.599 --> 00:18:48.799 Ultimately, I'm just looking for help. I mean, I'm looking 342 00:18:48.799 --> 00:18:51.400 for a solution, a wait, to prevent this harassment on 343 00:18:51.599 --> 00:18:52.400 me and my son. 344 00:18:53.000 --> 00:18:53.440 That's it. 345 00:18:53.759 --> 00:18:58.119 There's no way. There's no way. There's no way. All right. 346 00:18:58.480 --> 00:19:00.920 They're saying you're the one harassing. You're gonna have to 347 00:19:01.000 --> 00:19:02.880 let it play through the courts. Man, I wish I 348 00:19:02.880 --> 00:19:05.880 had better better answer for you, But truly, I don't 349 00:19:06.240 --> 00:19:09.720 anyone anybody can use the court systems now. If it's 350 00:19:09.799 --> 00:19:13.200 turns out she's abuse and abusive service and all or abusive. 351 00:19:13.319 --> 00:19:15.039 Uh, I don't know what they. 352 00:19:14.920 --> 00:19:19.079 Call it, but whatever it is, that'll be up to 353 00:19:19.119 --> 00:19:23.759 the judge. Dustin, this is terrible. Can you afford an attorney? 354 00:19:25.119 --> 00:19:25.599 Not really? 355 00:19:25.640 --> 00:19:26.440 But I have been. 356 00:19:28.160 --> 00:19:31.160 Now this ten million dollar lawsuit? Does it have any legs? 357 00:19:31.200 --> 00:19:34.519 I mean seriously, not legitimately. 358 00:19:34.559 --> 00:19:38.680 No, I'm not asking if you agree I it does. 359 00:19:38.799 --> 00:19:42.759 I'm asking you if she has any kind Did you 360 00:19:42.880 --> 00:19:44.400 make certain statements? 361 00:19:44.480 --> 00:19:48.279 Did it cause them damage? I have watched the straight 362 00:19:48.400 --> 00:19:51.599 Have you hired Have you hired an attorney yet? 363 00:19:52.960 --> 00:19:53.160 Yeah? 364 00:19:53.200 --> 00:19:55.720 I've had one throughout the majority of this process and 365 00:19:55.759 --> 00:19:57.240 some of the stuff he's done for me pro. 366 00:19:57.200 --> 00:19:59.480 Bono, but it's been hard to keep up with payments. 367 00:20:01.240 --> 00:20:03.400 Well, well, it sounds like he's doing pretty good. 368 00:20:03.480 --> 00:20:07.039 If the fifteen different things he came after you so far, 369 00:20:07.079 --> 00:20:09.480 there's only one hanging out there and the rest went away. 370 00:20:10.759 --> 00:20:11.720 Yeah, yeah, he is. 371 00:20:12.039 --> 00:20:14.200 I'm just I don't know, man. I reached out because 372 00:20:14.279 --> 00:20:17.240 it's desperation time, you know, like he's suing my son's principles. 373 00:20:17.240 --> 00:20:19.720 She's doing obviously said you can use the justice of anybody. 374 00:20:19.759 --> 00:20:21.680 They're nuts. They sound like they're nuts. 375 00:20:22.559 --> 00:20:23.000 They are. 376 00:20:23.519 --> 00:20:26.519 What is he what is he suing? What is he 377 00:20:26.640 --> 00:20:31.160 suing the Sun's principle for? What is he saying? A 378 00:20:31.519 --> 00:20:35.039 careful what you say over the air too, brother? Yeah? 379 00:20:35.440 --> 00:20:38.000 What is he suing for the principle? 380 00:20:40.000 --> 00:20:46.039 For their upholding the court order of custody? 381 00:20:45.720 --> 00:20:47.720 Okay, because they were not letting him go. 382 00:20:48.960 --> 00:20:51.079 Yeah, he's not supposed to. You know, she only gets 383 00:20:51.079 --> 00:20:52.319 two hours supervised contact. 384 00:20:52.359 --> 00:20:57.240 So all right, listen, I feel for you, man, Dustin, 385 00:20:57.880 --> 00:20:59.920 I feel for you. I don't know what else to say. 386 00:21:00.480 --> 00:21:04.440 I mean, so you just gotta battle this out. Divorces 387 00:21:04.519 --> 00:21:10.279 are destructive. They're destructive. Most people, like I said, do 388 00:21:10.440 --> 00:21:14.480 false accusations. They don't care about their kids. Their number 389 00:21:14.480 --> 00:21:18.799 one goal is to destroy the other. And it's a sad, 390 00:21:18.920 --> 00:21:20.079 sad state of events. 391 00:21:20.640 --> 00:21:23.000 Three oh three seven one three talk seven one three 392 00:21:23.039 --> 00:21:26.079 E two five five Frank Durand the real estate Man. 393 00:21:26.440 --> 00:21:28.279 He gives information free of charge. 394 00:21:28.559 --> 00:21:31.200 Call him, ask him what your house will sell for, 395 00:21:31.880 --> 00:21:36.119 what it looks like compared to the marketplace, what you 396 00:21:36.160 --> 00:21:36.759 will net. 397 00:21:37.039 --> 00:21:40.200 He'll go through every detail. It's almost it's actually better 398 00:21:40.200 --> 00:21:43.599 than their appraisal because he uses actual sales figures and 399 00:21:43.640 --> 00:21:48.200 it's complimentary. Frank Duran the real Estate Man dot Com. 400 00:21:48.200 --> 00:21:51.240 No obligation three oh three nine two zero sixteen twenty two. 401 00:21:55.799 --> 00:21:59.079 Go with a sure thing Denver's best roofer Excel Roofing 402 00:21:59.160 --> 00:22:05.400 dot Com. Pay a cent until you're content. Wait time 403 00:22:05.440 --> 00:22:08.720 for an insurance checkup free, no obligation. In comparison, call 404 00:22:08.839 --> 00:22:12.119 Compass Insurance. Paying too much your coverage at dozens of 405 00:22:12.160 --> 00:22:15.119 insurance companies find out now three oh three seven seven 406 00:22:15.119 --> 00:22:17.880 to one help. You'll think you're his only customer when 407 00:22:17.920 --> 00:22:20.400 you choose Frank Durand the real Estate Man dot com 408 00:22:20.440 --> 00:22:23.559 to list your home with Remax Alliance three oh three 409 00:22:23.640 --> 00:22:36.440 nine two zero sixteen twenty two. Hi Tom Archino, your 410 00:22:36.880 --> 00:22:41.160 troubleshooter three oh three seven to one three talk three 411 00:22:41.160 --> 00:22:44.039 oh three seven one three eight two five five. All right, 412 00:22:44.200 --> 00:22:49.880 so let's continue here on the show with uh Mary Ann, 413 00:22:49.960 --> 00:22:50.680 who has an. 414 00:22:50.519 --> 00:22:54.599 Issue with trash pickup. And speaking of trash, we got 415 00:22:54.680 --> 00:22:57.279 Dmitry in the house. Now that didn't sound right. Oh no, 416 00:22:57.960 --> 00:22:59.960 that did not sound right. Thanks Tom, But I want 417 00:23:00.400 --> 00:23:07.480 what Deputy d his other life. In his other life, 418 00:23:08.160 --> 00:23:10.680 Deputy DS, I'm in garbage. I'll be the first to 419 00:23:10.680 --> 00:23:14.119 admit recycling. You're in garbage? Yeah, is it? 420 00:23:14.200 --> 00:23:14.359 Well? 421 00:23:14.400 --> 00:23:18.039 Wait, just like remember in the graduates, Remember in the graduates, 422 00:23:18.079 --> 00:23:19.880 I got one word for you plastics. 423 00:23:20.160 --> 00:23:21.960 Yeah. 424 00:23:22.000 --> 00:23:25.440 Anyway, So now mid Dmitri at a wedding reception with 425 00:23:25.519 --> 00:23:28.240 Sego one word for you garbage, garbage. 426 00:23:28.279 --> 00:23:31.640 I'll tell you anyway, Marianne, what's going on? 427 00:23:32.319 --> 00:23:35.079 Dmitri is familiar with the recycling and trash business. 428 00:23:35.160 --> 00:23:36.240 So what's going on, Marianne. 429 00:23:36.920 --> 00:23:42.200 Well, we received I live in a condominium complex. We 430 00:23:42.319 --> 00:23:46.559 received notification at the beginning of February that we were 431 00:23:46.680 --> 00:23:51.359 changing trash vendors and the new vendor was going to 432 00:23:51.480 --> 00:23:57.039 be waste Connections. Well, they it came on the property 433 00:23:57.319 --> 00:24:03.559 around February sixth. They delivered some containers, some garbage bins, 434 00:24:03.680 --> 00:24:07.839 not all of them, and we have not seen them since. 435 00:24:08.960 --> 00:24:12.160 So we've had no garbage pickup since. 436 00:24:12.559 --> 00:24:15.880 Wait, so and so the other one was discontinuing and 437 00:24:15.960 --> 00:24:17.319 the new one was taking over. 438 00:24:18.000 --> 00:24:21.640 Correct And is this a subdivision on. 439 00:24:21.680 --> 00:24:27.119 The property since they delivered some garbage bins, we have 440 00:24:27.279 --> 00:24:28.440 four parking lots. 441 00:24:30.119 --> 00:24:34.920 Is this an apartment complex, a condo complex, a housing housing. 442 00:24:34.720 --> 00:24:38.279 Some condo complex, and. 443 00:24:38.240 --> 00:24:40.160 So they have dumpsters that you all use. 444 00:24:41.240 --> 00:24:47.359 They Well, the new garbage company, Waste Connections, brought some 445 00:24:48.200 --> 00:24:53.559 new garbage bins on the property, right, but they have 446 00:24:53.759 --> 00:24:57.759 not emptied any of the garbage since the beginning of February. 447 00:24:58.640 --> 00:25:01.680 Well, what is the HOA or the management company say. 448 00:25:01.759 --> 00:25:04.519 They have been. They have been in touch with Waste 449 00:25:04.599 --> 00:25:10.319 Connections too, and when not getting any response, I called 450 00:25:10.440 --> 00:25:16.319 JES today Waste Connections and all customer service was telling me, Oh, 451 00:25:16.440 --> 00:25:19.440 they've been on the property. They've been on the property. 452 00:25:20.160 --> 00:25:23.400 No one has been on the property. We've got trash 453 00:25:23.559 --> 00:25:24.640 all over the place. 454 00:25:25.759 --> 00:25:26.880 Now, how does it work? 455 00:25:26.920 --> 00:25:28.839 Do you put out your own bins or are they 456 00:25:28.960 --> 00:25:30.640 centralized bins? 457 00:25:30.799 --> 00:25:33.920 No, they belong to the waste connection. 458 00:25:33.640 --> 00:25:36.920 So it's a big dumpster. I know they belong to them. 459 00:25:36.920 --> 00:25:39.839 But does each condo have its own bins or how 460 00:25:39.880 --> 00:25:41.920 does it work? Or do you have a central bin 461 00:25:42.319 --> 00:25:44.000 or several central big bins. 462 00:25:44.119 --> 00:25:49.480 We have several central bins, got it on the property, 463 00:25:49.960 --> 00:25:53.839 and everybody dumps their garbage in these bins and this 464 00:25:54.079 --> 00:25:56.599 folks got it empty three times a week. 465 00:25:58.920 --> 00:26:00.640 Well, I mean, this isn't surgery. 466 00:26:00.680 --> 00:26:02.359 You got to call up and figure out why they're 467 00:26:02.359 --> 00:26:04.000 not picking it up, right, I mean, it is a 468 00:26:04.039 --> 00:26:04.839 bill being paid. 469 00:26:06.640 --> 00:26:10.519 Well if we just signed the contract, so we haven't 470 00:26:10.599 --> 00:26:12.359 really had a bill yet. 471 00:26:13.480 --> 00:26:18.160 Okay, let's have Deputy d call over there right now. Yeah, Tom, 472 00:26:18.160 --> 00:26:18.839 I'll be happy to. 473 00:26:18.920 --> 00:26:21.680 I know a guy over there, so uh, I'll talk 474 00:26:21.720 --> 00:26:24.519 to Mary Anne get hurt. 475 00:26:23.960 --> 00:26:27.039 The trash biz. You know a guy in the trash 476 00:26:27.119 --> 00:26:28.440 Mikey the Shoe. 477 00:26:28.559 --> 00:26:31.119 So uh, let me get him a call and uh 478 00:26:31.160 --> 00:26:33.640 find out what's going on. It sounds like Marianne's complex, 479 00:26:33.720 --> 00:26:35.960 not the dumpsters, but they haven't started. 480 00:26:36.000 --> 00:26:38.920 See if you're talking to trash business, it's not Mikey 481 00:26:38.960 --> 00:26:44.640 the Shoe, it's Dino the disposer. Come on, that's the 482 00:26:44.799 --> 00:26:48.759 laws a disposer anyway. Three h three seven one three 483 00:26:48.880 --> 00:26:54.000 talk seven one three eight two five five. Now Shannon 484 00:26:54.160 --> 00:26:55.960 as a special president. I want to see if this 485 00:26:56.000 --> 00:26:58.920 is going to work, because it's never worked. It hasn't 486 00:26:58.960 --> 00:27:00.599 worked since my new setup. I'm gonna try it. 487 00:27:00.599 --> 00:27:03.640 Hold on, see if you can hear something here like 488 00:27:03.759 --> 00:27:09.319 my dad? Wait, my dinger? No, don't you do yours? 489 00:27:09.359 --> 00:27:10.839 Do mine? I just heard it? 490 00:27:11.279 --> 00:27:16.440 Listen, did you hear Did you hear my dinger? Just 491 00:27:16.519 --> 00:27:17.480 let me know yes or no? 492 00:27:18.160 --> 00:27:21.359 Yes? Guys? Did you? Okay? I could barely hear it, 493 00:27:21.720 --> 00:27:25.480 barely see it, but yes. I don't know why it's 494 00:27:25.480 --> 00:27:27.960 so low, but okay, well, thank you. 495 00:27:28.119 --> 00:27:31.720 At least I have an idea that my dinger is working, 496 00:27:32.119 --> 00:27:34.640 because there was some doubt about that. Three oh three 497 00:27:34.720 --> 00:27:37.640 seven one three eight two five five eight eight eight 498 00:27:37.680 --> 00:27:42.160 Heating dot com. What they do is high efficiency replacements. 499 00:27:42.200 --> 00:27:46.480 But they also have that forty five dollars deep clean 500 00:27:46.759 --> 00:27:49.119 and they're great people and we know them, we love 501 00:27:49.160 --> 00:27:52.440 them eight eight eight Heating dot Com The number three 502 00:27:52.480 --> 00:27:59.759 oh three seven seven zero two seven seven six Go 503 00:27:59.799 --> 00:28:03.599 with a sure thing Denver's best roofer Excel roofing dot Com. 504 00:28:03.640 --> 00:28:05.640 You don't pay a cent until you're content. 505 00:28:09.039 --> 00:28:12.599 Time for an insurance checkup free no obligation comparison call 506 00:28:12.680 --> 00:28:16.000 compass insurance paying too much your coverage at dozens of 507 00:28:16.039 --> 00:28:19.000 insurance companies find out now three oh three seven seven 508 00:28:19.000 --> 00:28:21.759 to one help. You'll think you're his only customer when 509 00:28:21.799 --> 00:28:24.279 you choose Frank durand the real estate man dot com 510 00:28:24.279 --> 00:28:27.400 to list your home with Remax Alliance three oh three 511 00:28:27.480 --> 00:28:38.559 nine two zero sixteen twenty two. Hi Tom Martino here 512 00:28:39.440 --> 00:28:42.680 three O three seven one three talk seven one three 513 00:28:42.880 --> 00:28:46.240 A two five five. Hey, how can we help you? 514 00:28:46.880 --> 00:28:49.160 We want to do that each and every day. That's 515 00:28:49.200 --> 00:28:51.200 what we do here, and so we're gonna go to 516 00:28:51.200 --> 00:28:54.119 the phones. Brian Burns is with us from Compass Insurance Group. 517 00:28:54.160 --> 00:28:56.359 And when they are here, by the way, we do 518 00:28:56.480 --> 00:29:01.039 these uh live insurance checkoffs, meaning you called, they're not live, 519 00:29:01.079 --> 00:29:02.000 they're live updates. 520 00:29:02.680 --> 00:29:04.920 They do them every day. But if you want to call. 521 00:29:04.759 --> 00:29:06.880 Three or three nine nine six nine thousand right now 522 00:29:07.440 --> 00:29:09.559 and ask for an insurance check up, what they do 523 00:29:09.599 --> 00:29:11.839 is go over your coverages, what you have and let 524 00:29:11.880 --> 00:29:14.759 you know if you're covered adequately or maybe you're paying 525 00:29:14.759 --> 00:29:17.839 for too much coverage or not enough, and how much 526 00:29:17.839 --> 00:29:19.480 you're paying, is it too much or is it a 527 00:29:19.480 --> 00:29:23.079 great deal. It's a total, one honest assessment of what 528 00:29:23.160 --> 00:29:25.880 you have. Three h three nine niney sixty nine thousand. 529 00:29:25.960 --> 00:29:27.759 Then what we're gonna do is We're gonna check back 530 00:29:27.799 --> 00:29:30.920 with Brian from time to time on those Mary Anne 531 00:29:30.920 --> 00:29:35.400 with this trash pickup, I have a very easy I'm sorry. 532 00:29:35.480 --> 00:29:37.279 We're gonna give it to Deputy D to call over there. 533 00:29:37.279 --> 00:29:38.599 I don't want to go back to her right now. 534 00:29:38.759 --> 00:29:39.599 I'm gonna wait for d. 535 00:29:40.359 --> 00:29:42.079 Jake. What's going on with you, Jake? 536 00:29:45.920 --> 00:29:49.519 I'm calling in here suggesting by my father. Apparently you're 537 00:29:49.519 --> 00:29:53.160 pretty good with the next steps and ideas on stuff 538 00:29:53.200 --> 00:29:53.599 on your No. 539 00:29:53.759 --> 00:29:56.319 Okay, what's going on with what's going on with your dad? 540 00:29:56.400 --> 00:29:56.640 Jake? 541 00:29:56.759 --> 00:29:57.400 What's going on? 542 00:29:59.519 --> 00:30:00.720 He was that suggested? 543 00:30:00.759 --> 00:30:00.880 It? 544 00:30:01.240 --> 00:30:03.319 Problems actually with my mom? Yeah, Mom got sold a 545 00:30:03.359 --> 00:30:07.680 car by the Mercedes Benz of Denver Folks, and I think, man, 546 00:30:07.720 --> 00:30:10.200 it's hard to know what to do next. 547 00:30:11.200 --> 00:30:13.599 All right, let's let's talk about this. Is this about 548 00:30:13.640 --> 00:30:15.279 purchase or service. 549 00:30:17.240 --> 00:30:17.680 Purchase? 550 00:30:18.720 --> 00:30:22.839 And so she was sold a car in November. This 551 00:30:23.000 --> 00:30:27.039 was a twenty twelve Sedan and. 552 00:30:26.359 --> 00:30:29.240 She's okay, was it was it a Was it a Mercedes? 553 00:30:30.839 --> 00:30:32.720 Nope, it was just a used vehicle. It was a 554 00:30:32.880 --> 00:30:34.200 It was a Nissan. 555 00:30:34.119 --> 00:30:36.960 Versa, Okay. 556 00:30:37.000 --> 00:30:43.599 So she bought a Nissan Versa, a twenty twelve in November, 557 00:30:43.680 --> 00:30:47.640 you said yep and okay. 558 00:30:47.559 --> 00:30:50.000 And what happened on the highway. She didn't get it 559 00:30:50.000 --> 00:30:52.359 evaluated by any third party. I think that these were 560 00:30:52.359 --> 00:30:54.119 both mistakes. She drove it off the lot and a 561 00:30:54.160 --> 00:30:56.160 couple of days later she was in the highway, rattled 562 00:30:56.200 --> 00:30:58.920 so bad it scared her half to death. She took 563 00:30:58.920 --> 00:31:00.880 it in to get it looked at. Andy. It was 564 00:31:00.920 --> 00:31:03.480 like three to four thousand dollars worth of safety repairs 565 00:31:03.519 --> 00:31:05.640 on top of this five thousand dollars she spent on. 566 00:31:05.599 --> 00:31:10.559 It, So she only spent five grand on it. How 567 00:31:10.559 --> 00:31:11.599 many miles were on it? 568 00:31:13.000 --> 00:31:15.039 Take one hundred and fifty or so. I think I'm 569 00:31:15.039 --> 00:31:17.680 pretty sure it was pretty similar for both vehicles to 570 00:31:17.759 --> 00:31:18.119 the level. 571 00:31:18.240 --> 00:31:20.200 Why didn't she Why don't you think? 572 00:31:20.319 --> 00:31:22.799 Why don't you think she got it checked out? With 573 00:31:22.880 --> 00:31:25.000 one hundred and fifty thousand miles on it? 574 00:31:25.480 --> 00:31:28.839 She trusted them and they said that their mechanics had 575 00:31:28.920 --> 00:31:30.599 checked it out and they said it was okay and 576 00:31:30.680 --> 00:31:31.319 was safe to drive. 577 00:31:32.519 --> 00:31:35.279 And did they put that on the invoice, that it 578 00:31:35.400 --> 00:31:37.720 was okay and safe. 579 00:31:38.559 --> 00:31:40.640 I'll have to check with her on that, but from 580 00:31:40.799 --> 00:31:43.720 from my understanding of her walking away from that, they 581 00:31:43.759 --> 00:31:45.640 had assured her updown left right in the center. But 582 00:31:45.680 --> 00:31:46.920 I say it was no good. 583 00:31:47.240 --> 00:31:49.960 They assured her of nothing. Jake, Here's what the contract 584 00:31:50.039 --> 00:31:53.920 said as is. Okay, I'm just going to tell you 585 00:31:53.920 --> 00:31:56.720 because I do this, I do this thousands of times 586 00:31:56.759 --> 00:31:59.039 a year. First, I give you the good the bad news. 587 00:31:59.079 --> 00:32:00.640 Then we try to find some good news in this 588 00:32:00.759 --> 00:32:03.799 to help you. But the bad news is it's the 589 00:32:03.920 --> 00:32:07.720 used car. And unless now listen carefully to what I say, 590 00:32:08.039 --> 00:32:11.839 to which most consumers say yes they did. Unless they 591 00:32:11.920 --> 00:32:16.200 lied to you, cheated you, or frauded you, there's nothing 592 00:32:16.200 --> 00:32:19.119 you can do about it. But with an as is purchase, 593 00:32:19.640 --> 00:32:24.079 they can't lie or cheat, or cover up or be fraudulent. Okay, 594 00:32:24.519 --> 00:32:29.680 Now that doesn't mean listen carefully. They don't have to 595 00:32:29.759 --> 00:32:32.680 tell you everything wrong with the car. Go with a 596 00:32:32.720 --> 00:32:36.279 sure thing Denver's Best roofer Excel roofing dot com. You 597 00:32:36.279 --> 00:32:42.039 don't pay a cent until you're content. Time for an 598 00:32:42.079 --> 00:32:46.319 insurance checkup free, no obligation. In comparison, call Compass insurance 599 00:32:46.480 --> 00:32:49.480 paying too much your coverage at dozens of insurance companies 600 00:32:49.559 --> 00:32:51.599 find out now three all three seven to seven to 601 00:32:51.640 --> 00:32:54.400 one help You'll think you're his only customer when you 602 00:32:54.480 --> 00:32:56.960 choose Frank durand the real estate man dot Com to 603 00:32:57.039 --> 00:33:00.640 list your home with Remax Alliance three nine two zero 604 00:33:00.799 --> 00:33:02.559 sixteen twenty two. 605 00:33:02.720 --> 00:33:08.240 Yeah, ripped up. 606 00:33:09.720 --> 00:33:11.519 News needed. 607 00:33:11.640 --> 00:33:12.680 That's who you don't have. 608 00:33:14.960 --> 00:33:17.319 Come running just as fast as we can. 609 00:33:18.240 --> 00:33:18.440 Show. 610 00:33:18.640 --> 00:33:24.240 Shooter's gonna help coming Man Dix. He is the Troubleshooter Show. 611 00:33:24.920 --> 00:33:30.400 Now Tom Martine. Hey, I'm Tom Martino. You're Troubleshooter. Welcome 612 00:33:30.480 --> 00:33:31.079 to the show. 613 00:33:31.799 --> 00:33:34.759 Three all three seven one three talk three all three 614 00:33:34.960 --> 00:33:38.160 seven one three eight two five five. Here to help you. 615 00:33:38.599 --> 00:33:40.359 We try to help you each and every day. The 616 00:33:40.440 --> 00:33:42.480 things that tick you off, the things that make you tick. 617 00:33:42.720 --> 00:33:45.160 This hour brought to you by Dan McKenzie. Dan McKenzie 618 00:33:45.599 --> 00:33:49.519 is an estate planning attorney and I know him, We've 619 00:33:49.599 --> 00:33:51.680 used him, I referred him. He's a very he's a 620 00:33:51.720 --> 00:33:53.720 good expert that we have on the show. For trusts 621 00:33:53.759 --> 00:33:57.000 or probate. If you're facing probate, avoiding probate, you wanna 622 00:33:57.039 --> 00:34:00.960 will you want an LLC to hold stuf that survives 623 00:34:01.000 --> 00:34:03.599 your death. It's a I call it a poor man's trust. 624 00:34:03.720 --> 00:34:06.160 Is actually more useful than a trust in many ways 625 00:34:06.200 --> 00:34:08.840 for businesses. He can clue you in on all these 626 00:34:09.000 --> 00:34:14.320 cool uh strategies, and he's there to answer your questions. 627 00:34:14.599 --> 00:34:19.599 Eight three three co plans eight three three c plans. 628 00:34:19.639 --> 00:34:22.000 He is live and local. It sounds like a national number, 629 00:34:22.039 --> 00:34:24.360 but he's live and local here in Denver A three 630 00:34:24.480 --> 00:34:30.679 three co plans. Now that's Dan mackenzie. Welcome to the show, everyone, 631 00:34:31.360 --> 00:34:32.920 and let's talk about your life. 632 00:34:33.960 --> 00:34:34.079 Now. 633 00:34:34.159 --> 00:34:35.960 We left off with the guy, and I don't blame 634 00:34:36.039 --> 00:34:38.400 him for being upset. Listen, everyone is upset when they 635 00:34:38.400 --> 00:34:40.480 buy a car and that falls apart. And this is 636 00:34:40.480 --> 00:34:42.239 what happened with Jake. I want, I want, I just 637 00:34:42.280 --> 00:34:43.400 want to say this in a. 638 00:34:45.000 --> 00:34:45.239 Set. 639 00:34:45.679 --> 00:34:50.079 He's setting this up to where they are either liars 640 00:34:50.159 --> 00:34:52.519 or cheaters or dodgers or something, because here's what he said. 641 00:34:52.559 --> 00:34:56.280 They are shorter of this if if them started had 642 00:34:56.360 --> 00:34:59.559 serious safety issues and then he spoke to the other, 643 00:34:59.639 --> 00:35:03.119 but before where he could speak to him, they dodged him. Okay, 644 00:35:03.599 --> 00:35:06.119 now listen, all of that might be true. So far, 645 00:35:06.199 --> 00:35:09.119 they've done nothing wrong so far. This dealer sold her 646 00:35:09.159 --> 00:35:11.480 a used car as is with one hundred and fifty 647 00:35:11.519 --> 00:35:15.159 thousand miles on it, and she bought it and had trouble. Now, 648 00:35:15.280 --> 00:35:18.000 what they can't do is liar cheat. I don't think 649 00:35:18.079 --> 00:35:20.119 they did. I want to cut right to the chase. 650 00:35:20.840 --> 00:35:23.360 One of the only strategies, Jake, that I see that 651 00:35:23.400 --> 00:35:24.639 you have that will work. 652 00:35:25.280 --> 00:35:27.920 Is even under the law. Mark helped me out on 653 00:35:28.000 --> 00:35:30.039 this because I know, just to catch. 654 00:35:29.800 --> 00:35:31.920 Everybody up, though, how long did your mom have it 655 00:35:32.079 --> 00:35:35.679 before finding out this five thousand dollars vehicle needed seven 656 00:35:35.760 --> 00:35:36.599 grand worth of work? 657 00:35:36.920 --> 00:35:37.719 Was it like a day? 658 00:35:37.800 --> 00:35:38.159 A month? 659 00:35:38.239 --> 00:35:38.960 How long was it. 660 00:35:40.519 --> 00:35:43.480 He was three to four thousand dollars for repairs? And 661 00:35:44.079 --> 00:35:45.840 she only she only drove it like a day or 662 00:35:45.880 --> 00:35:48.280 two off the off the lot for she realized it rattled, 663 00:35:48.360 --> 00:35:50.679 and she took it in like that week afterwards. 664 00:35:50.760 --> 00:35:54.079 I think I think it's you understand. 665 00:35:54.360 --> 00:35:58.119 You understand she could have testro that before she did 666 00:35:58.199 --> 00:35:59.880 all of this and then taken it to him. 667 00:36:00.880 --> 00:36:03.199 So we got to start out on the right foot. 668 00:36:03.320 --> 00:36:05.400 And that is this, Jake. 669 00:36:05.679 --> 00:36:07.960 You don't have any special rights here that I know of, 670 00:36:08.239 --> 00:36:12.320 except Mark. This issue that we used to debate all 671 00:36:12.400 --> 00:36:16.239 the time in Colorado. Even when you buy a car 672 00:36:16.519 --> 00:36:17.199 as is. 673 00:36:18.719 --> 00:36:23.599 There must be certain working safety issues. 674 00:36:26.000 --> 00:36:30.039 Okay, so our safety equipment I'd like to know. When 675 00:36:30.119 --> 00:36:34.519 he said safety. What are you calling safety issues. 676 00:36:38.119 --> 00:36:39.960 I've got a couple of pictures of something. I can 677 00:36:40.000 --> 00:36:40.599 pull those up. 678 00:36:41.440 --> 00:36:43.559 I don't need Yeah, I just need to tell because 679 00:36:43.639 --> 00:36:48.039 here's what safety is considered. Here's what safety is considered 680 00:36:48.079 --> 00:36:48.599 by law. 681 00:36:49.280 --> 00:36:56.840 The vehicle must have functioning breakes, turn signals, break lights, tires, 682 00:36:56.920 --> 00:37:02.360 a windshield, a wind shield. It must have tires, but 683 00:37:03.159 --> 00:37:06.079 they can be very bad tires. It must have a horn, 684 00:37:06.440 --> 00:37:08.639 it must have seat belts, and it must have a mirror. 685 00:37:09.280 --> 00:37:13.920 Unless your safety concerns fall into those categories, you're not 686 00:37:14.079 --> 00:37:15.000 going to get a system. 687 00:37:15.239 --> 00:37:15.400 Now. 688 00:37:15.719 --> 00:37:22.000 There is another thing. It has to pass emissions. So 689 00:37:22.519 --> 00:37:26.519 tell me the safety issues. Tell me the safety issues. 690 00:37:28.440 --> 00:37:31.800 The struts were so messed up that you know, it 691 00:37:31.920 --> 00:37:32.960 really impairs. 692 00:37:32.639 --> 00:37:35.360 That's not a safety that's not a safety issue. 693 00:37:36.719 --> 00:37:40.679 Okay, what else? What else? I'm trying to. 694 00:37:40.679 --> 00:37:42.840 Give you ammunition. I'm not trying to trick you. I 695 00:37:42.920 --> 00:37:45.320 want you to know that, Jack, I'm not Jake. I'm 696 00:37:45.400 --> 00:37:48.000 not trying to trick you. I'm trying to give you ammunition. 697 00:37:48.199 --> 00:37:52.199 Where's your ammunition. Let's let's talk about it, yep. 698 00:37:52.360 --> 00:37:55.800 I think the ones that come to mind are shock observers. 699 00:37:55.880 --> 00:37:59.840 The struts the mass airflow sensor is completely broken, and 700 00:38:00.159 --> 00:38:02.760 the two induction system is messed up. 701 00:38:03.239 --> 00:38:05.679 Plus not one of those things, Not one of those 702 00:38:05.760 --> 00:38:08.960 things is considered a vital safety issue. 703 00:38:09.119 --> 00:38:11.239 Not one of them. Now you can go try to 704 00:38:11.360 --> 00:38:18.159 change the law, but you're not going to that's not considered. 705 00:38:18.440 --> 00:38:20.920 That's not considered. I would love to do a test 706 00:38:21.000 --> 00:38:23.199 case on one of these and actually sue them. 707 00:38:23.239 --> 00:38:25.840 And I love the idea that this one's only five 708 00:38:25.960 --> 00:38:29.119 thousand bucks for this vehicle because it's under small claims. 709 00:38:29.519 --> 00:38:32.400 I think he, I really think you should have your 710 00:38:32.480 --> 00:38:34.800 mother sue him in small claims court. 711 00:38:34.800 --> 00:38:37.199 It's only going to cost under what under what under breach? 712 00:38:37.360 --> 00:38:39.400 Wait wait, wait, under breach of contractor what? 713 00:38:39.760 --> 00:38:42.760 I would actually draw out that those shocks in the 714 00:38:42.880 --> 00:38:47.000 struts in the housings are a true safety component with 715 00:38:47.159 --> 00:38:50.320 the steering. I would make those arguments. I don't know 716 00:38:50.360 --> 00:38:52.360 where it's going to go, so don't get me wrong, 717 00:38:52.719 --> 00:38:55.920 but I would love to actually test the theory because 718 00:38:56.119 --> 00:38:59.079 those laws have been around forever. But I can't think 719 00:38:59.119 --> 00:39:02.440 of anybody that's actually held a dealer's. 720 00:39:02.000 --> 00:39:02.840 Feet to the fire. 721 00:39:02.960 --> 00:39:09.280 He Jake Mark has a point, and that is because 722 00:39:09.360 --> 00:39:11.199 of the price of that car. You are in a 723 00:39:11.320 --> 00:39:15.920 unique position to sue them for breach of safety. Now 724 00:39:16.119 --> 00:39:19.519 it's an implied contract by law that it has to 725 00:39:19.599 --> 00:39:20.119 be safe. 726 00:39:20.440 --> 00:39:22.880 Now, in my opinion, you're going to lose. 727 00:39:23.599 --> 00:39:26.519 However, I think what will happen is this if you 728 00:39:26.679 --> 00:39:29.159 try to make the argument that the struts in the 729 00:39:29.239 --> 00:39:33.360 shocks are part of safety, and whatever you do, he 730 00:39:33.440 --> 00:39:35.840 doesn't even have to be legal ease. You just try 731 00:39:35.880 --> 00:39:37.639 to make the and your mom has to do this. 732 00:39:37.800 --> 00:39:39.719 Of course you can help her, but you can't be 733 00:39:39.840 --> 00:39:43.840 our counsel when you do this. What's probably going to 734 00:39:43.960 --> 00:39:46.760 happen is they're going to want to settle with you. 735 00:39:47.599 --> 00:39:50.039 That's what Mark is getting at. I believe what you get. 736 00:39:50.440 --> 00:39:51.159 Is that what you're getting. 737 00:39:51.400 --> 00:39:53.760 Yeah, but I think he might Okay, I'm going off 738 00:39:53.840 --> 00:39:56.400 of what he's saying. But if his mom brought this 739 00:39:56.599 --> 00:39:59.840 over to say Kevin Caulkin, and Kevin goes, yeah, these 740 00:40:00.039 --> 00:40:02.880 these strut towers, you know, these things could break. This 741 00:40:03.039 --> 00:40:06.679 thing's a danger. That is gonna be great. Plus I'm 742 00:40:06.719 --> 00:40:10.800 sure Kevin would show up as a witness and be 743 00:40:10.920 --> 00:40:12.400 an actual witness, So I. 744 00:40:12.480 --> 00:40:13.519 Think that would be great. 745 00:40:13.599 --> 00:40:16.320 But if they get over there and Honestly, we're talking 746 00:40:16.360 --> 00:40:20.559 about shocks that really just are old and it's gonna 747 00:40:20.599 --> 00:40:23.119 wear tires and stuff, but it's not dangerous. That's a 748 00:40:23.159 --> 00:40:26.079 little bit different. I think we need someone outside of 749 00:40:26.159 --> 00:40:28.760 him and his mother to say this thing's dangerous. 750 00:40:30.639 --> 00:40:33.800 Well, at least it's something to try, Jake, So I 751 00:40:33.920 --> 00:40:36.199 want you to do that. Call share It in Auto Tech. 752 00:40:36.840 --> 00:40:38.840 He'll do a courtisy check of this and give you 753 00:40:38.920 --> 00:40:41.559 an opinion. He'll give you an opinion on whether it's 754 00:40:41.679 --> 00:40:42.320 unsafe or not. 755 00:40:42.559 --> 00:40:44.760 Yeah, you bring it over to Kevin, have them look 756 00:40:44.840 --> 00:40:47.800 at it, then have them call me and him and 757 00:40:47.880 --> 00:40:50.599 I will talk and then let's let's all get together 758 00:40:50.719 --> 00:40:52.639 in pow Wow and figure. 759 00:40:52.400 --> 00:40:54.320 Out how to go forward. But it's only going to 760 00:40:54.400 --> 00:40:55.440 cost her fifty bucks. 761 00:40:55.639 --> 00:40:58.079 And I think it's a great test because I'll tell 762 00:40:58.119 --> 00:41:01.000 you what if Mercedes bens of day, if there is 763 00:41:01.079 --> 00:41:03.239 a safety issue and they don't want to make it right, 764 00:41:03.480 --> 00:41:06.480 I'll sit here every damn day and make sure people 765 00:41:06.639 --> 00:41:09.880 know that they lost in court when they actually were 766 00:41:09.960 --> 00:41:12.280 trying to fight a bad car they sold. 767 00:41:13.639 --> 00:41:17.360 So, uh, Jake, you know what to do right. 768 00:41:17.559 --> 00:41:22.280 Number One, get a courtesy inspection from shared An Auto Tech. 769 00:41:22.320 --> 00:41:24.760 Three oh three, four five five, seventy two, forty two. 770 00:41:25.840 --> 00:41:27.960 And then I want you to have him talk to 771 00:41:28.079 --> 00:41:30.199 Mark and tell him we're trying to make a case 772 00:41:30.559 --> 00:41:36.199 that the car is unsafety drive. Okay, then stay in 773 00:41:36.280 --> 00:41:39.280 touch with us, yeah, okay. Three oh three seven one 774 00:41:39.400 --> 00:41:41.840 three talk seven one three eight two five five Kelly, 775 00:41:41.920 --> 00:41:45.280 make sure I get home the info. By the way, 776 00:41:45.360 --> 00:41:48.360 renew Home Innovations the most beautiful shower conversions I have 777 00:41:48.440 --> 00:41:53.760 ever seen. Really now, porcelain, Mark, I think you have 778 00:41:53.920 --> 00:41:55.960 porcelain in your shower, right, isn't that what I was 779 00:41:56.039 --> 00:41:58.199 oohing aweing about the other day when you showed me 780 00:41:58.320 --> 00:41:59.039 that shower that. 781 00:41:59.440 --> 00:42:03.719 Arsteve, I do believe. I don't think, man, I honest 782 00:42:03.760 --> 00:42:05.199 to God, one of them you Mark. 783 00:42:05.280 --> 00:42:07.639 I think Sue said it was porcelain. But here's the deal. 784 00:42:08.000 --> 00:42:11.559 Porcelain is the most beautiful. And they make sheet porcelain 785 00:42:11.599 --> 00:42:14.679 at renew home innovations dot Com. They use sheet porcelain 786 00:42:14.719 --> 00:42:17.400 with no you don't need any groud or any grout 787 00:42:17.440 --> 00:42:21.000 lines or anything. It's all one continuous sheet. It's beautiful 788 00:42:21.519 --> 00:42:24.039 and no maintenance. They do it in two or three days. 789 00:42:24.079 --> 00:42:27.840 Seventy two months to pay beautiful stuff and great prices. 790 00:42:27.920 --> 00:42:31.760 They custom make the shower for your movements there they're beautiful. 791 00:42:32.079 --> 00:42:34.639 Renew Home Innovations dot com three oh three nine or 792 00:42:34.639 --> 00:42:44.599 A four two thousand Go with a sure thing Denver's 793 00:42:44.639 --> 00:42:47.480 best roofer Excel Roofing dot com. You don't pay a 794 00:42:47.599 --> 00:42:54.039 cent until you're content. Time for an insurance check up free, 795 00:42:54.199 --> 00:42:57.880 no obligation. In comparison, call Compass Insurance paying too much 796 00:42:58.039 --> 00:43:00.920 your coverage at dozens of insurance comps find out now 797 00:43:01.079 --> 00:43:02.519 three all three seven seven to one. 798 00:43:02.679 --> 00:43:02.920 Help. 799 00:43:03.079 --> 00:43:05.719 You'll think you're his only customer when you choose Frank 800 00:43:05.800 --> 00:43:08.199 durand the real estate Man dot com to list your 801 00:43:08.280 --> 00:43:11.400 home with Remax Alliance three all three nine two zero 802 00:43:11.559 --> 00:43:19.719 sixteen twenty two. Hi Tom Martino, you're a troubleshooter. I 803 00:43:19.800 --> 00:43:21.920 got to figure out how to rotate my video source 804 00:43:21.920 --> 00:43:23.719 storing the break. I was playing a video for my 805 00:43:23.800 --> 00:43:27.079 YouTube morons. Hey three all three seven on three talks 806 00:43:27.119 --> 00:43:30.400 seven on three eight two five five with Brian Burns 807 00:43:30.440 --> 00:43:31.960 with us from Compass Insurance Group. 808 00:43:32.719 --> 00:43:35.159 Wait a minute, why is that on? I didn't do that? 809 00:43:38.159 --> 00:43:38.519 Is that you? 810 00:43:39.519 --> 00:43:41.519 Are you screwing with me? Shannon? 811 00:43:42.039 --> 00:43:46.119 It's not making us pretty soon Okay, pretty soon, I'm 812 00:43:46.119 --> 00:43:49.360 gonna be like lodging formal complaints. Now here to for 813 00:43:49.559 --> 00:43:53.039 it's been Oh I've been talking about it, but I'm 814 00:43:53.119 --> 00:43:56.920 gonna be talking formal complaints. And it's gonna be uh 815 00:43:57.280 --> 00:44:00.559 making fun or whatever you're doing in danger during. 816 00:44:00.599 --> 00:44:01.320 Some a person. 817 00:44:01.519 --> 00:44:04.159 I'm gonna call myself a person at risk because I'm 818 00:44:04.280 --> 00:44:08.519 over sixty five. I'm a person at I'm a person 819 00:44:08.559 --> 00:44:13.760 at risk. Uh, Don you wanted to say something, go ahead, don. 820 00:44:15.079 --> 00:44:17.440 Sorry? Yeah, Hi, Tommy. 821 00:44:17.480 --> 00:44:19.800 I wanted to give a quick shout out to. 822 00:44:21.400 --> 00:44:22.199 Euro Plumbing. 823 00:44:23.039 --> 00:44:26.440 They came in yesterday to one man for me. 824 00:44:27.480 --> 00:44:31.960 Yeah, yeah, Mark, euro Plumbing still around, right, don't we 825 00:44:32.000 --> 00:44:34.760 have him on a referral lest he'll probably be back. 826 00:44:34.880 --> 00:44:37.199 We'll be doing probably spots for him in another couple 827 00:44:37.199 --> 00:44:39.760 of months. Hey, don, how would he charge you? 828 00:44:41.400 --> 00:44:44.400 They turned you twenty one hundred. But I got a 829 00:44:44.679 --> 00:44:46.599 I'm got a real old building, so they had to 830 00:44:46.679 --> 00:44:47.039 do some. 831 00:44:47.679 --> 00:44:51.039 Oh nice commercially. Wait wait, that's a that that's that's 832 00:44:51.159 --> 00:44:53.679 not a lot of money at all. Man. Yeah, for 833 00:44:53.760 --> 00:44:55.079 a commercial, that's a great deal. 834 00:44:55.679 --> 00:44:58.000 No, it's it's not a commercial, it's a residential. 835 00:44:58.079 --> 00:44:59.679 But he had to do some extra stuff. 836 00:45:00.000 --> 00:45:03.960 Okay, they did, so I have two fifty gallons in 837 00:45:04.079 --> 00:45:06.039 my house time. So when they came out to mind 838 00:45:06.119 --> 00:45:08.280 last year, here's what I did. I did one of 839 00:45:08.320 --> 00:45:10.840 the fifty gallons. I replaced both. I did it a 840 00:45:11.079 --> 00:45:15.519 very high recovery system, so that one costs more than 841 00:45:15.559 --> 00:45:18.800 the average. Then the secondary that I only fire up 842 00:45:19.239 --> 00:45:21.559 if like we've got a bunch of people over and 843 00:45:21.639 --> 00:45:24.559 staying with us, like for Thanksgiving. I mean, that's about 844 00:45:24.599 --> 00:45:26.599 the only time I fired it up. But because the 845 00:45:26.679 --> 00:45:29.000 house had to, I went ahead and did too. But 846 00:45:29.119 --> 00:45:31.320 I got both of them, the high recovery and the 847 00:45:31.440 --> 00:45:36.039 other one, all installed for less than four grand. Oh 848 00:45:36.119 --> 00:45:38.199 my god, that's unbelievable. 849 00:45:38.239 --> 00:45:41.039 It is unbelievable. WHOA all right now? 850 00:45:41.199 --> 00:45:44.360 Uh, well, thank you, don We really do appreciate that 851 00:45:45.599 --> 00:45:49.039 you're a plumbing Colorado dot net. They're a great sponsor. Hey, Mark, 852 00:45:49.559 --> 00:45:51.079 you have a comment on annuities. 853 00:45:51.119 --> 00:45:54.360 Go ahead, Mark, Yeah, I just. 854 00:45:54.360 --> 00:45:57.280 Said a couple of comments. Tom the guy was saying 855 00:45:57.400 --> 00:46:01.199 that the well person could not lose any of his 856 00:46:01.400 --> 00:46:05.199 money that he put into this product was guaranteed for life. 857 00:46:06.480 --> 00:46:10.880 His income was guaranteed for life. He should also add 858 00:46:11.000 --> 00:46:14.280 or perhaps you should also add the guarantee is only 859 00:46:14.360 --> 00:46:18.400 as good as the insurance company or whatever company is 860 00:46:18.519 --> 00:46:23.320 selling the product. For example, several insurance companies have gone 861 00:46:23.400 --> 00:46:27.519 out of business as a mark for fires and mark. 862 00:46:28.199 --> 00:46:30.000 But to be fair, you're right, you're right. 863 00:46:30.480 --> 00:46:35.119 But to be fair, I looked up I think it 864 00:46:35.239 --> 00:46:36.960 was a couple of weeks ago when this came up. 865 00:46:37.000 --> 00:46:38.840 This came up before, and. 866 00:46:39.320 --> 00:46:47.599 The number of failures on actual annuities we're next to 867 00:46:47.800 --> 00:46:51.400 nothing like two or three in the last one hundred years. 868 00:46:54.199 --> 00:46:58.400 Oh boy, oh boy. I've seen quite different research. 869 00:46:58.880 --> 00:47:01.679 But in any event, Okay, I'm going to actually show 870 00:47:01.679 --> 00:47:02.239 you the research. 871 00:47:02.320 --> 00:47:05.280 I'm going to show you. I'm going to show you. 872 00:47:06.320 --> 00:47:08.719 I'm going to look it up. I have it, and 873 00:47:09.360 --> 00:47:13.519 I think listen, I'm not telling you you're you're wrong. 874 00:47:14.119 --> 00:47:18.000 You're right when you say the guarantee is based on 875 00:47:19.280 --> 00:47:19.880 the company. 876 00:47:20.039 --> 00:47:20.800 Oh my gosh, the. 877 00:47:20.840 --> 00:47:26.599 American dollars based on our army. So everything's based on something. 878 00:47:26.840 --> 00:47:29.440 To me, that's just a redimi mark. You can say 879 00:47:29.480 --> 00:47:33.480 that about any damn thing in the world. Mark, if 880 00:47:33.519 --> 00:47:36.360 I can finish. I was saying corporate bonds that are 881 00:47:36.440 --> 00:47:41.519 called guaranteed corporate bonds and municipal bonds are also contingent 882 00:47:41.920 --> 00:47:47.679 on the underlighting underwriting underwriter. There are no you know, 883 00:47:47.920 --> 00:47:51.719 insurance or fdi C or anything like that. So he's 884 00:47:52.000 --> 00:47:55.920 right in that respect. And and maybe people. 885 00:47:55.760 --> 00:48:00.559 Don't like when you say one guaranteed because technic it's not. 886 00:48:01.239 --> 00:48:05.320 I mean it's there is a possibility an insurance company 887 00:48:05.440 --> 00:48:09.880 can falter. And now remember all of these that he 888 00:48:10.079 --> 00:48:12.320 is dealing with, I know are one hundred years or older. 889 00:48:12.800 --> 00:48:18.320 And I'm not arguing with you that technically you're incorrect. 890 00:48:18.360 --> 00:48:20.840 You're not, but I don't think you have the number 891 00:48:20.880 --> 00:48:24.360 of failures properly. How many do you feel how many 892 00:48:24.440 --> 00:48:26.960 people or how many do you feel that actually had 893 00:48:27.000 --> 00:48:29.199 annuities that lost all of their money? 894 00:48:31.559 --> 00:48:34.119 Let's see, Tom, I'm not in my office right now, 895 00:48:34.239 --> 00:48:36.880 so I can't give you the results of that research. 896 00:48:37.000 --> 00:48:39.079 But let me just tell you that if I was 897 00:48:39.159 --> 00:48:42.199 an older hope and I put all my money into 898 00:48:42.280 --> 00:48:47.400 this product being guaranteed that it would be never lose 899 00:48:47.800 --> 00:48:51.719 a penny and be income for me for life, it 900 00:48:51.880 --> 00:48:57.039 only takes one failure to hurt my retirement. 901 00:48:57.519 --> 00:49:02.239 So I'm just called to first of all, Tom, you 902 00:49:02.360 --> 00:49:04.280 know more about this than I know First of all, 903 00:49:04.320 --> 00:49:06.719 I know listen, Mark, let me just say something here. 904 00:49:06.719 --> 00:49:09.480 I think I recognize Mark. I know Mark very well. Mark. 905 00:49:10.039 --> 00:49:10.679 Mark gave me. 906 00:49:11.760 --> 00:49:14.519 Mark is a very wealthy man, and he has given 907 00:49:14.639 --> 00:49:20.480 me advice over the years that I cannot deny, absolutely 908 00:49:20.800 --> 00:49:24.679 positively cannot deny. In fact, when I talked to him 909 00:49:24.679 --> 00:49:29.800 about my fund many years ago, he said, Tom, what 910 00:49:30.000 --> 00:49:31.639 you need is a company around it. 911 00:49:32.159 --> 00:49:32.280 Now. 912 00:49:32.559 --> 00:49:34.960 Funds are okay, but you really need a company when 913 00:49:35.039 --> 00:49:38.800 and that's when I started formalizing Waveight Wealth Management. 914 00:49:39.199 --> 00:49:41.440 It was him. It was him, And he knows this 915 00:49:41.559 --> 00:49:42.920 because I wrote to him and thanked him. 916 00:49:43.480 --> 00:49:47.400 And he says, you need an officer of a compliance officer, 917 00:49:47.480 --> 00:49:49.719 you need a president, you need a real organization. 918 00:49:50.320 --> 00:49:53.400 What you have is good, but what people want is 919 00:49:54.239 --> 00:49:55.400 a company they can deal with. 920 00:49:55.880 --> 00:49:59.079 And they want to know who's you know, the custodians 921 00:49:59.119 --> 00:50:01.400 of the money, and they want to know the strategies 922 00:50:01.480 --> 00:50:04.159 and a real company. So I can call and say, hey, 923 00:50:04.239 --> 00:50:06.800 can I speak to your CEO? Or can I speak 924 00:50:06.800 --> 00:50:11.639 to your investment officer? And but Mark, knowing, I just 925 00:50:11.719 --> 00:50:15.599 recognize your voice. Mark, I don't really think though a 926 00:50:15.639 --> 00:50:15.920 lot of. 927 00:50:15.960 --> 00:50:19.239 Them have failed on the fixed indextinuity side. 928 00:50:19.320 --> 00:50:23.360 I'm pretty sure the state at least Colorado also backs 929 00:50:23.400 --> 00:50:27.719 those accounts for you know, somewhere around five hundred thousand, 930 00:50:28.440 --> 00:50:29.679 similar to FDIC. 931 00:50:29.920 --> 00:50:31.119 But it's not nice. 932 00:50:31.360 --> 00:50:35.920 No, no, no, they're there's a state guaranteur of insurance companies. 933 00:50:36.199 --> 00:50:39.760 Go out, May I speak them on? Please? 934 00:50:40.559 --> 00:50:41.440 Yes, go ahead, sir? 935 00:50:42.599 --> 00:50:42.880 Okay. 936 00:50:43.079 --> 00:50:46.559 Number one, all I wanted to do was to have 937 00:50:46.880 --> 00:50:51.039 you or the person selling the products say that it 938 00:50:51.199 --> 00:50:56.039 is not and could never be one hundred percent guaranteed. 939 00:50:56.800 --> 00:50:59.679 And you've done that and you've confirmed that, and that's. 940 00:50:59.559 --> 00:50:59.960 All I want. 941 00:51:00.039 --> 00:51:04.400 On a number two, the state does not guarantee the annuities. 942 00:51:06.039 --> 00:51:10.199 Okay, now, mark one thing, one thing real quick, thank you. 943 00:51:11.119 --> 00:51:14.639 Hold on, they're not federally insured. There is something called 944 00:51:14.800 --> 00:51:22.360 listen carefully. The state guarantee association. Each state ensures these 945 00:51:22.519 --> 00:51:30.599 funds to cover policy holders. However, coverage limits range from 946 00:51:30.719 --> 00:51:37.000 two hundred and fifty thousand to five hundred max historical failures. 947 00:51:37.599 --> 00:51:44.400 While some insurance companies offering annuities have failed, most policy 948 00:51:44.480 --> 00:51:49.480 holders were not left completely empty handed. The state guarantee 949 00:51:49.480 --> 00:51:55.360 associations have typically ensured that annuity contract holders continue to 950 00:51:55.519 --> 00:52:00.480 receive benefits up to the coverage limits. Now, not the 951 00:52:00.559 --> 00:52:03.039 coverage they bought, but the coverage limits of the state. 952 00:52:03.719 --> 00:52:10.280 In some cases, larger insurance companies actually acquired failing companies 953 00:52:10.519 --> 00:52:15.280 policies and minimized any disruption whatsoever. 954 00:52:16.079 --> 00:52:17.280 Well, how's that possible? 955 00:52:17.440 --> 00:52:17.679 Mark? 956 00:52:18.000 --> 00:52:21.039 Mark just told us all in his infinite wisdom that 957 00:52:21.280 --> 00:52:25.239 they don't do that. So I'm confused, Tom, Mark Mark. 958 00:52:25.559 --> 00:52:26.760 What he said was, what. 959 00:52:28.400 --> 00:52:31.679 Is the infinite wisdom comment? That's a little distress. 960 00:52:31.840 --> 00:52:33.760 I don't understand Mark, Mark. 961 00:52:34.280 --> 00:52:34.519 Mark. 962 00:52:34.599 --> 00:52:37.559 I will tell you. He just came out. I will 963 00:52:37.599 --> 00:52:39.480 tell you this. Listen, just and hang on a bit. 964 00:52:39.840 --> 00:52:45.000 Just okay, Mark, you have no idea who you're talking to. 965 00:52:45.079 --> 00:52:48.360 You just came out and said the States Mark not 966 00:52:48.679 --> 00:52:51.639 guarant anything. That's exactly what he said. 967 00:52:51.719 --> 00:52:51.960 Mark. 968 00:52:52.280 --> 00:52:55.679 He doesn't have infinite wisdom, but he can buy and 969 00:52:55.840 --> 00:52:57.000 sell you six thousand. 970 00:52:57.440 --> 00:53:00.320 He can have money. Wrong on that, Tom, He was 971 00:53:00.400 --> 00:53:04.679 wrong on Mark, and he said it. Mark, If you 972 00:53:04.840 --> 00:53:07.039 shut up for a second, I can explain to you 973 00:53:07.159 --> 00:53:09.079 where he was not really wrong. 974 00:53:09.320 --> 00:53:13.840 Okay, he said, it's not Are you telling me that 975 00:53:14.079 --> 00:53:16.280 that they're one hundred percent guaranteed, because they're not. 976 00:53:16.760 --> 00:53:19.800 I said somewhere between one hundred thousand and maybe five 977 00:53:19.880 --> 00:53:24.920 hundred thousand is the exact numbers I gave. Okay, depending 978 00:53:25.079 --> 00:53:29.039 on the state, and depending on the number of participants, 979 00:53:29.559 --> 00:53:32.320 they can get one hundred to five hundred depending on 980 00:53:32.400 --> 00:53:36.000 the state. Now here's the other thing, though, there are 981 00:53:36.320 --> 00:53:41.000 better examples where other companies come in and buy policies 982 00:53:41.800 --> 00:53:45.119 of the failing companies and make them good and they're 983 00:53:45.320 --> 00:53:50.519 But the state guarantee associations are a piss poor excuse 984 00:53:50.639 --> 00:53:54.840 for guarantees because they're they're you know, just like FDICE is. 985 00:53:55.119 --> 00:53:56.400 Unless you have very. 986 00:53:56.320 --> 00:53:58.960 Small annuities, then you would be fine. You would be 987 00:53:59.000 --> 00:54:03.239 absolutely fine. Now, Executive Life Insurance Company in nineteen ninety 988 00:54:03.280 --> 00:54:06.960 one failed and it was one of the biggest failures 989 00:54:07.119 --> 00:54:11.199 of annuity holders, and through the state guarantee associations and 990 00:54:11.360 --> 00:54:18.960 restructuring efforts, some some not all, received funds, others were 991 00:54:19.039 --> 00:54:24.079 left high and dry. Nineteen ninety one, Confederation Life nineteen 992 00:54:24.199 --> 00:54:29.880 ninety four US policy holders received protection from state guarantee 993 00:54:29.960 --> 00:54:35.679 funds enough to cover everyone. Pen Treaty Network America twenty 994 00:54:35.920 --> 00:54:40.280 seventeen focused on long term care insurance along with some annuities, 995 00:54:40.679 --> 00:54:43.199 and it said it's an example of how the state 996 00:54:43.320 --> 00:54:45.599 regulator stepped in to protect these. 997 00:54:45.559 --> 00:54:49.159 Policy holders for the long term care part of it. 998 00:54:49.960 --> 00:54:54.199 The bottom line is, according to this research, no major 999 00:54:54.480 --> 00:55:00.719 instances exist where fixed indexed annuity holders lost everything. Okay, 1000 00:55:01.239 --> 00:55:05.199 State guarantee associations provide a bit of a safety net 1001 00:55:05.679 --> 00:55:11.039 for smaller annuities due diligence. Before purchasing any annuity, check 1002 00:55:11.119 --> 00:55:15.400 the financial strength of the insurance company through am Best 1003 00:55:15.760 --> 00:55:19.159 Moodies or Standard and Poors. So that's basically it. But 1004 00:55:19.280 --> 00:55:22.440 I think what he was trying to stress is it's 1005 00:55:22.519 --> 00:55:25.159 not one hundred percent guaranteed. And I hear that used 1006 00:55:25.199 --> 00:55:29.480 all the time. It's just not Now. Granted, the instances 1007 00:55:29.599 --> 00:55:32.119 of loss are pretty small. 1008 00:55:32.280 --> 00:55:33.159 They're pretty small. 1009 00:55:33.840 --> 00:55:36.280 Three oh three seven one three talks seven one three 1010 00:55:36.280 --> 00:55:43.880 eight two five five Go with a sure thing Denver's 1011 00:55:43.960 --> 00:55:46.800 best roofer Excel roofing dot com. You don't pay a 1012 00:55:46.920 --> 00:55:53.360 cent until you're content. Time for an insurance checkup free, 1013 00:55:53.519 --> 00:55:57.199 no obligation. In comparison, call compass insurance paying too much 1014 00:55:57.360 --> 00:56:00.280 your coverage at dozens of insurance companies find out now 1015 00:56:00.400 --> 00:56:02.840 three oh three seven seven to one help. You'll think 1016 00:56:02.920 --> 00:56:05.440 you're his only customer when you choose Frank durand the 1017 00:56:05.519 --> 00:56:08.119 real estate man dot com to list your home with 1018 00:56:08.280 --> 00:56:11.800 Remax Alliance three oh three nine two zero sixteen twenty two. 1019 00:56:16.440 --> 00:56:20.719 Hi Tom Martino here three oh three seven one three talk. 1020 00:56:21.519 --> 00:56:24.480 Oh my goodness, three oh three seven on three eight 1021 00:56:24.519 --> 00:56:27.239 two five five. Sometimes I think I should quit the 1022 00:56:27.320 --> 00:56:30.840 technology business. Here trying to never mind us. You don't anyway. 1023 00:56:31.079 --> 00:56:33.920 So by the way, Brian Burns is with us with 1024 00:56:34.000 --> 00:56:36.639 his son Riley. And by the way, Riley must look 1025 00:56:36.840 --> 00:56:38.159 like mom. That's all I have to say. 1026 00:56:38.559 --> 00:56:41.239 Compass Insurance Group three oh three nine ninety six nine thousand, 1027 00:56:41.320 --> 00:56:42.480 get your insurance check up. 1028 00:56:43.000 --> 00:56:48.199 And what we're gonna do is compare some of the prices. 1029 00:56:48.440 --> 00:56:50.519 People call in and say, here's my dext page, Here's 1030 00:56:50.559 --> 00:56:52.559 what I'm paying, this is what I'm insured for. 1031 00:56:53.079 --> 00:56:53.559 You know what? 1032 00:56:53.800 --> 00:56:55.440 What's the market looking like? Anyway? 1033 00:56:55.519 --> 00:56:55.760 Paul? 1034 00:56:56.360 --> 00:56:58.159 Uh, your turn? What's going on? Paul? 1035 00:57:01.000 --> 00:57:01.519 Yeah? Tom? 1036 00:57:03.480 --> 00:57:06.840 What's happening the way? 1037 00:57:07.400 --> 00:57:07.599 Yeah? 1038 00:57:07.800 --> 00:57:12.400 Tom, Paul. 1039 00:57:12.440 --> 00:57:15.000 If you're listening to the radio, you're gonna take about 1040 00:57:15.039 --> 00:57:16.519 ten seconds to hear yourself. 1041 00:57:16.719 --> 00:57:20.199 I'd rather you just talk to me ahead, Yeah, yeah, 1042 00:57:20.199 --> 00:57:20.480 all right. 1043 00:57:21.239 --> 00:57:24.559 A friend of mine, a brother, sixty year old brother 1044 00:57:25.320 --> 00:57:26.360 died unexpectedly. 1045 00:57:27.639 --> 00:57:28.440 He lived alone. 1046 00:57:28.480 --> 00:57:31.719 I don't think he's ever married. She's trying to put 1047 00:57:31.760 --> 00:57:36.159 the state together, and of course part of that is 1048 00:57:36.920 --> 00:57:39.960 looking at the laptop and his soll phone, but it 1049 00:57:40.039 --> 00:57:43.519 sho doesn't have passwords. I suggest that you go to 1050 00:57:43.599 --> 00:57:46.599 the Apple store, show them the death of It, explain 1051 00:57:46.679 --> 00:57:50.920 the situation. But there tole Vision Dum, it couldn't help her. 1052 00:57:51.519 --> 00:57:55.239 So I'm looking for others, right, I don't know, Actually 1053 00:57:55.400 --> 00:57:58.519 I actually don't know. I'm wondering if our geek knows 1054 00:57:58.639 --> 00:58:01.599 ey Ted who listens now? And then I I don't 1055 00:58:01.679 --> 00:58:04.840 know what you do because even even the FBI could. 1056 00:58:04.679 --> 00:58:07.760 Not or was it Homeland Security mark, they couldn't get well. 1057 00:58:07.800 --> 00:58:10.920 I think you can get a court order now. And 1058 00:58:11.039 --> 00:58:13.119 I don't know if that's something Bradley O'Brien or not. 1059 00:58:13.239 --> 00:58:17.440 Bradley O'Brien, Oh jeez, who's our I can't even think 1060 00:58:17.480 --> 00:58:20.960 of his name now are a state attorney? But anyhow, 1061 00:58:20.960 --> 00:58:27.320 I bet it's something got it. I cannot be. I 1062 00:58:27.440 --> 00:58:30.159 bet Dan's dealt with it. But I'm pretty sure you 1063 00:58:30.360 --> 00:58:33.360 can get a court order now if the person's passed away, 1064 00:58:33.400 --> 00:58:35.760 and you can prove the property and then I guess 1065 00:58:35.880 --> 00:58:36.960 Apple might open it. 1066 00:58:37.039 --> 00:58:40.000 I'm not sure. Is it Let me ask you this, Paul. 1067 00:58:40.239 --> 00:58:41.920 Is it an Apple? Is it a cell phone? 1068 00:58:43.800 --> 00:58:43.960 Yeah? 1069 00:58:43.960 --> 00:58:44.760 It's an iPhone? 1070 00:58:44.800 --> 00:58:48.360 And as far as I'm okay, I just know that 1071 00:58:48.519 --> 00:58:49.920 both Apple products. 1072 00:58:50.679 --> 00:58:55.079 Right, man, Okay, I think you can. 1073 00:58:55.360 --> 00:58:58.960 Let's ask that there might be a legacy contact too. 1074 00:58:59.119 --> 00:59:01.679 I think with an eye account, Well, you got an iPhone, 1075 00:59:02.039 --> 00:59:04.760 can't you set up a legacy person like your wife 1076 00:59:04.880 --> 00:59:08.920 or kids to where they'll get access or. 1077 00:59:09.440 --> 00:59:11.679 Easier than that, just have a drop dead list. 1078 00:59:12.159 --> 00:59:15.320 Yeah, but I think actually, when you get an iPhone, 1079 00:59:15.400 --> 00:59:17.480 I thought there is like a legacy account. 1080 00:59:18.599 --> 00:59:20.719 Actually I didn't know that, Mark, I mean, I have 1081 00:59:20.800 --> 00:59:21.119 to look. 1082 00:59:21.280 --> 00:59:26.519 But now, no, I'm saying, you guys don't know. Maybe 1083 00:59:26.599 --> 00:59:28.840 he did do one. I don't know the answer. 1084 00:59:31.880 --> 00:59:35.679 You guys want me to call Dan McKenzie and ask him. Yeah, 1085 00:59:35.760 --> 00:59:38.000 let's do that. Kick on all right? 1086 00:59:38.400 --> 00:59:42.880 Maybe come on, okay, I'll say, I'll ask Kelly to 1087 00:59:43.000 --> 00:59:43.559 give him a call. 1088 00:59:44.639 --> 00:59:47.440 Has he this sounds a little strange, but has he 1089 00:59:47.559 --> 00:59:48.159 been buried? 1090 00:59:50.480 --> 00:59:50.519 No? 1091 00:59:51.280 --> 00:59:55.599 I wonder face recognition and I'm not kidding. Yeah, fingerprint, 1092 00:59:55.719 --> 00:59:58.239 fingerprint or fingerprint? I mean, I don't know how that 1093 00:59:58.400 --> 01:00:01.199 works after someone passes. 1094 01:00:02.440 --> 01:00:04.760 Well, I know in the spy movies when they kill 1095 01:00:04.840 --> 01:00:07.119 someone they take their finger and open their phone and 1096 01:00:07.199 --> 01:00:10.760 they just carry the finger around I know, or the eyeball. 1097 01:00:10.960 --> 01:00:18.840 That's even better. Now here's the deal. I think that 1098 01:00:19.760 --> 01:00:22.119 we might get Dan McKenzie to weigh in on this. 1099 01:00:22.239 --> 01:00:25.920 Then if I Ted is listening, uh, give us a call. 1100 01:00:26.599 --> 01:00:28.880 Three O three seven to one three talk seven one 1101 01:00:28.920 --> 01:00:33.800 three two five five Paul Dmitri, No, no, why don't 1102 01:00:33.920 --> 01:00:38.400 just well, let's do this kitchena If Dan McKenzie's around 1103 01:00:38.480 --> 01:00:39.559 right now, we'll keep Paul on. 1104 01:00:39.719 --> 01:00:40.800 If not, we'll call him back. 1105 01:00:41.360 --> 01:00:41.760 I got it. 1106 01:00:41.920 --> 01:00:44.280 Three O three seven one three two five five. Christy, 1107 01:00:44.719 --> 01:00:47.199 you want to know about breaking a lease? Go ahead, Christy. 1108 01:00:48.400 --> 01:00:51.639 Yes, my son is closing on a first house at 1109 01:00:51.639 --> 01:00:54.719 the beginning of March and his he wants to move 1110 01:00:54.760 --> 01:00:57.039 out at the end of March, but his. 1111 01:00:57.599 --> 01:00:58.920 Lease goes through July. 1112 01:01:00.079 --> 01:01:03.800 The least break see is two months rent, so at 1113 01:01:03.840 --> 01:01:07.719 a minimum, he's liable for that, But the company is 1114 01:01:07.760 --> 01:01:10.559 saying if they don't re rent the place, he's also 1115 01:01:10.679 --> 01:01:12.920 liable for April, May, June, and July. 1116 01:01:14.079 --> 01:01:17.360 So my question is, well, listen, let me just tell 1117 01:01:17.400 --> 01:01:21.360 you in a nutshell, he's obligated for whatever he can 1118 01:01:21.440 --> 01:01:26.039 tractually signed up to do, and then they have to 1119 01:01:26.199 --> 01:01:31.800 make a good faith effort to what's called mitigate losses. 1120 01:01:32.320 --> 01:01:35.079 Then the difference is what he would hold on And 1121 01:01:35.159 --> 01:01:37.159 I'll discuss more of it right after this hold on, 1122 01:01:44.039 --> 01:01:47.280 go with a sure thing Denver's Best roofer Excel Roofing 1123 01:01:47.400 --> 01:01:47.840 dot com. 1124 01:01:48.000 --> 01:01:50.000 You don't pay a cent until you're content. 1125 01:01:53.400 --> 01:01:56.559 Time for an insurance check up free no obligation comparison 1126 01:01:56.719 --> 01:02:00.840 call Compass Insurance paying too much your coverage of insurance 1127 01:02:00.880 --> 01:02:03.559 companies find out now three all three seven seven to one. 1128 01:02:03.719 --> 01:02:03.960 Help. 1129 01:02:04.159 --> 01:02:06.760 You'll think you're his only customer when you choose Frank 1130 01:02:06.840 --> 01:02:09.239 durand the real estate Man dot com to list your 1131 01:02:09.320 --> 01:02:12.440 home with Remax Alliance three all three nine two zero 1132 01:02:12.559 --> 01:02:19.920 sixteen twenty two. Hi Tom Martino, your troubleshooter three O 1133 01:02:20.039 --> 01:02:23.239 three seven one three talk three oh three seven one 1134 01:02:23.320 --> 01:02:25.480 three eight two five five. 1135 01:02:26.079 --> 01:02:32.320 Let's go to the phones and we have this. 1136 01:02:32.719 --> 01:02:36.760 Uh, let's see Christy whose son needs to break a lease? 1137 01:02:37.079 --> 01:02:37.239 Now? 1138 01:02:38.480 --> 01:02:41.039 Oh, good, Dan McKenzie, Well, oh we have Dan McKenzie 1139 01:02:41.079 --> 01:02:42.920 for the other thing. Let me go to Dan Real quick, Dan, 1140 01:02:43.039 --> 01:02:46.440 Thank you, Dan McKenzie. Uh So, if you ever had 1141 01:02:46.519 --> 01:02:50.800 someone come to you that was the representative of an 1142 01:02:50.960 --> 01:02:56.519 estate and they couldn't get into their their either father, mother, brother, 1143 01:02:56.599 --> 01:03:00.239 whoever they're the estate representative for, they couldn't get into 1144 01:03:00.280 --> 01:03:02.840 their iPhone or their iPad. 1145 01:03:03.360 --> 01:03:07.159 Do you have a way of getting the courts to 1146 01:03:07.280 --> 01:03:09.519 allow that to happen or how do you handle that? 1147 01:03:10.679 --> 01:03:12.800 I mean, it certainly can try into the poenat There 1148 01:03:12.960 --> 01:03:17.920 is now a law that a uniform on I forget 1149 01:03:18.000 --> 01:03:21.920 whether it's probably California would have to adopt it regarding 1150 01:03:21.960 --> 01:03:28.199 whether people can use passwords to access virtual assets, which 1151 01:03:28.239 --> 01:03:31.239 an Apple account is. It really is a pretty, uh 1152 01:03:32.039 --> 01:03:34.360 an increasingly problematic issue because people have a lot of 1153 01:03:34.360 --> 01:03:37.679 stuff that is valuable information on the phone. Obviously, so 1154 01:03:39.000 --> 01:03:41.360 there are every company that's kind of got its own 1155 01:03:41.360 --> 01:03:43.920 policies and procedures. I don't know if yours. Has your 1156 01:03:44.000 --> 01:03:47.320 caller tried anything yet as far as dealing with Apple directly. 1157 01:03:48.079 --> 01:03:52.320 He went to the Apple store with a death certificate 1158 01:03:52.559 --> 01:03:54.280 and the phone and that's it. 1159 01:03:54.440 --> 01:03:57.000 They never petitioned the court or anything like that. 1160 01:03:57.199 --> 01:04:01.920 Dam it probably would be. It would probably involve sending 1161 01:04:02.519 --> 01:04:04.400 I guess we don't. Also don't know do we know 1162 01:04:05.280 --> 01:04:07.079 whether this person actually opened to probate? 1163 01:04:09.159 --> 01:04:14.920 Okay, so Paul, did did the person involve here? Did 1164 01:04:15.079 --> 01:04:19.320 your friend's brother's sister your I've choose you. Yeah, your 1165 01:04:19.360 --> 01:04:27.000 friend's sister did. Did she open probate? Yes, okay she did, 1166 01:04:27.880 --> 01:04:31.320 and she was appointed personal representative and she has a 1167 01:04:31.400 --> 01:04:32.199 death certificate? 1168 01:04:32.280 --> 01:04:34.119 Did she bring all that to the store. 1169 01:04:35.880 --> 01:04:42.000 To growth this certificate? Because you're born for Els, I. 1170 01:04:42.119 --> 01:04:44.679 Am skeptical that the store is going to really be 1171 01:04:44.800 --> 01:04:47.280 the place. I mean, it's probably involves, you know, sending 1172 01:04:47.320 --> 01:04:51.480 the paperwork actually to Apple in Coopertino, California, because a 1173 01:04:51.559 --> 01:04:52.960 lawyer is going to have to look at it and 1174 01:04:53.119 --> 01:04:56.000 verify that it's all correct and up to date. I 1175 01:04:56.039 --> 01:04:57.960 don't think these people at the store are going to 1176 01:04:58.039 --> 01:04:58.639 have that training. 1177 01:05:02.320 --> 01:05:04.199 But the bottom line thing you're going to happen. The 1178 01:05:04.280 --> 01:05:06.920 bottom line Dan, is there is a way to do this. Now, 1179 01:05:07.599 --> 01:05:09.760 for the most part, there is, yes. 1180 01:05:09.920 --> 01:05:11.599 I mean every kind of like every company has its 1181 01:05:11.599 --> 01:05:14.039 own policies and procedures, and they can be a little 1182 01:05:14.079 --> 01:05:16.400 bit difficult at times. That there is, Like I said, 1183 01:05:16.400 --> 01:05:19.159 there is now a law. It's called a uniform law 1184 01:05:19.159 --> 01:05:21.199 where it's like this has been put out. It's kind 1185 01:05:21.239 --> 01:05:24.239 of a law that every state can adopt, and various 1186 01:05:24.280 --> 01:05:27.199 states have adopted it. Just then, Yeah, here's a method 1187 01:05:27.320 --> 01:05:32.039 for getting access to an account like this, and it 1188 01:05:32.159 --> 01:05:34.920 usually would provide it would require providing the letters from 1189 01:05:34.960 --> 01:05:38.599 the court and the death certificate. But you know, we 1190 01:05:38.719 --> 01:05:41.639 got to look up Apple's procedures and do that, and 1191 01:05:41.840 --> 01:05:44.800 so I said, it probably would be requiring sending something 1192 01:05:44.840 --> 01:05:46.079 in the mail to Kupertino. 1193 01:05:47.840 --> 01:05:48.000 Yeah. 1194 01:05:48.039 --> 01:05:50.280 By the way, Paul, what is the estate worth and all? 1195 01:05:50.360 --> 01:05:50.639 Do you know? 1196 01:05:53.440 --> 01:05:57.800 I know there is a payoff house, probably six hundred thousand. 1197 01:05:59.199 --> 01:06:01.599 It might be worth hiring an attorney to get into that. 1198 01:06:02.199 --> 01:06:04.960 It might be worth getting if he had investments and stuff, 1199 01:06:05.199 --> 01:06:07.679 it might be worth having an attorney help get that 1200 01:06:07.840 --> 01:06:10.599 password unlocked through the proper channels. 1201 01:06:10.960 --> 01:06:12.880 Three O three seven one three talks seven to three 1202 01:06:13.159 --> 01:06:13.519 five five. 1203 01:06:14.760 --> 01:06:19.400 Yeah, Christy, Now your son wants to leave early to 1204 01:06:19.480 --> 01:06:22.679 go into the house he's closing on. I understand that completely, 1205 01:06:23.119 --> 01:06:25.400 and people do that all the time, but they are 1206 01:06:25.480 --> 01:06:29.199 responsible for the lease. What the landlord must do is 1207 01:06:29.280 --> 01:06:32.320 make a good faith effort to release it out and 1208 01:06:32.480 --> 01:06:35.280 not just sit on it so your son keeps paying. 1209 01:06:35.639 --> 01:06:38.039 So which part is in conflict? Right now? 1210 01:06:39.320 --> 01:06:41.719 I have two questions. One would be how do we 1211 01:06:41.840 --> 01:06:45.559 know if the landlord's doing that? And the other question 1212 01:06:45.760 --> 01:06:48.159 is if they want to charge them a two month 1213 01:06:48.320 --> 01:06:52.320 lease break feet and he ends up being responsible for April, May, June, 1214 01:06:52.360 --> 01:06:56.079 and July, can we just pay them four months or 1215 01:06:56.119 --> 01:06:57.920 do we actually owe them six months? 1216 01:06:59.360 --> 01:07:01.320 Okay? You never owe more. 1217 01:07:01.960 --> 01:07:08.719 You never owe more than the lease, Okay, never, So 1218 01:07:09.000 --> 01:07:10.559 I don't even know what they're talking about. 1219 01:07:10.840 --> 01:07:13.119 If you pay each month, that's what you owe. 1220 01:07:13.719 --> 01:07:16.599 You wouldn't have to pay because you're not really breaking 1221 01:07:16.719 --> 01:07:20.480 the lease, you're just keeping it vacant. So that kind 1222 01:07:20.559 --> 01:07:22.800 of answers itself. If you were going to do it 1223 01:07:22.880 --> 01:07:25.320 that way, you would pay four months rent and then. 1224 01:07:25.280 --> 01:07:27.440 Be done with it. I got more coming up. 1225 01:07:30.119 --> 01:07:33.400 Go with a sure thing Denver's Best Roofer Excel roofing 1226 01:07:33.480 --> 01:07:36.119 dot com. You don't pay a cent until you're content. 1227 01:07:39.519 --> 01:07:43.039 Time for an insurance checkup free no obligation comparison call 1228 01:07:43.159 --> 01:07:46.440 Compass Insurance paying too much your coverage at dozens of 1229 01:07:46.519 --> 01:07:49.159 insurance companies find out now three O three seven to 1230 01:07:49.239 --> 01:07:49.800 seven to one. 1231 01:07:49.840 --> 01:07:52.039 Help You'll think you're his only customer. 1232 01:07:52.079 --> 01:07:54.239 When you choose Frank durand the real estate man dot 1233 01:07:54.360 --> 01:07:57.679 Com to list your home with Remax Alliance three oh 1234 01:07:57.719 --> 01:07:59.800 three nine two zero sixteen twenty two. 1235 01:08:05.320 --> 01:08:14.519 Rips, you don't have come, Run in just as fast 1236 01:08:14.559 --> 01:08:15.320 as you can. 1237 01:08:16.159 --> 01:08:18.680 Show Shooter's gonna help coming. 1238 01:08:19.079 --> 01:08:31.760 Man, this is the Troubleshooter Show. No, Tom Martino, Welcome, 1239 01:08:31.920 --> 01:08:32.520 Welcome to. 1240 01:08:32.600 --> 01:08:34.680 The only show of its kind. We are here to 1241 01:08:34.800 --> 01:08:38.239 solve problems, answer questions, take complains. You guys, get the idea. 1242 01:08:38.520 --> 01:08:40.880 We're here to educate you make your life's just a 1243 01:08:40.920 --> 01:08:44.880 little bit better. Three zero three Martino, that's a phone number. 1244 01:08:45.199 --> 01:08:48.199 By the way, over three hundred million dollars cash merchant 1245 01:08:48.239 --> 01:08:50.920 ice exchanges refunds. 1246 01:08:50.520 --> 01:08:53.439 Directly due to this show. 1247 01:08:54.119 --> 01:08:57.520 Speaking of issues, Joe's got a problem with a bathroom remodel. 1248 01:08:57.800 --> 01:08:59.399 Hey Joe, what's going on? Man? 1249 01:09:01.600 --> 01:09:02.920 Hey not Tom. 1250 01:09:04.840 --> 01:09:10.239 So we did a master bathroom model and part of 1251 01:09:10.279 --> 01:09:16.119 the remodel was to install a very large shower completely enclosed, 1252 01:09:17.439 --> 01:09:19.399 so that we would have a steamy shower. 1253 01:09:19.680 --> 01:09:22.199 Nice, but not a steam shower. 1254 01:09:22.319 --> 01:09:26.279 Okay. So it's got on all services. It's got either 1255 01:09:26.359 --> 01:09:33.000 glass or tile, including the ceiling. Okay, went into this. 1256 01:09:33.760 --> 01:09:36.319 The work that they did, the contractor did, I think 1257 01:09:36.479 --> 01:09:38.960 is very good. I have no complaints about it. They 1258 01:09:39.159 --> 01:09:41.600 hired a glass company, a subcontractor. 1259 01:09:41.680 --> 01:09:42.039 Who was. 1260 01:09:44.680 --> 01:09:45.159 Who was what? 1261 01:09:45.479 --> 01:09:46.640 Who was the glass company? 1262 01:09:48.680 --> 01:09:52.279 I think their name is Elite Glass. 1263 01:09:52.439 --> 01:09:53.279 Okay, keep going. 1264 01:09:54.039 --> 01:09:56.600 There's not many people. There's not many people in the 1265 01:09:56.720 --> 01:09:59.439 state that do shower glass like that. In fact, the 1266 01:09:59.520 --> 01:10:01.680 most of get it out of state and bring it in. 1267 01:10:01.800 --> 01:10:05.039 One of the big ones I take is Columbine Class. 1268 01:10:05.359 --> 01:10:06.039 But keep going. 1269 01:10:06.560 --> 01:10:07.439 Keep yeah. 1270 01:10:07.800 --> 01:10:12.159 I mean it was six weeks to rebuild the bathroom 1271 01:10:12.279 --> 01:10:14.359 and then another six weeks for the glass. 1272 01:10:14.439 --> 01:10:16.159 Yeah, they come out. They got to measure it, you 1273 01:10:16.239 --> 01:10:18.199 got to have everything else build I understand. 1274 01:10:19.079 --> 01:10:22.840 Yeah, yeah, yeah. So we got the glass installed yesterday. 1275 01:10:23.640 --> 01:10:26.760 During the installation of the glass, at the end of it, 1276 01:10:27.079 --> 01:10:31.319 the installer says to me, now, you know, you can't 1277 01:10:32.159 --> 01:10:36.359 take too steaming of a shower because you don't have 1278 01:10:36.600 --> 01:10:38.239 an escape for the steam. 1279 01:10:39.640 --> 01:10:42.199 And I said what, and he said yeah. In a 1280 01:10:42.239 --> 01:10:46.640 steam shower, they normally have an escape valve or relief 1281 01:10:46.720 --> 01:10:50.359 valve or something to allow the steam to escape. Now 1282 01:10:50.600 --> 01:10:52.600 I don't have a steam shower. I just have an 1283 01:10:52.800 --> 01:10:54.079 enclosed shower. 1284 01:10:55.159 --> 01:10:57.640 I have no idea at all. I have no idea 1285 01:10:57.680 --> 01:10:59.239 what that person's talking about. 1286 01:11:00.199 --> 01:11:03.399 That's not true at all. The steam goes down the drain, exactly, 1287 01:11:03.399 --> 01:11:04.560 steam goes down the drain. 1288 01:11:06.439 --> 01:11:08.840 Our steam shower's got an auto flush on it. 1289 01:11:09.119 --> 01:11:11.319 You don't even have a steam shower, as you said, 1290 01:11:11.319 --> 01:11:13.960 you got a steamy shower that water falls to the 1291 01:11:14.039 --> 01:11:15.479 ground and goes right out the drain. 1292 01:11:15.840 --> 01:11:18.560 Plus you do have some breathing room. 1293 01:11:18.680 --> 01:11:20.760 If you look at that glass where you open the 1294 01:11:20.920 --> 01:11:23.399 door up, I would assume you've got a little bit 1295 01:11:23.439 --> 01:11:24.520 of daylight, right. 1296 01:11:25.640 --> 01:11:30.199 Yes, yes, I do, of course. Yeah, So your your 1297 01:11:30.319 --> 01:11:33.119 shower will drain like a normal shower. What did they 1298 01:11:33.199 --> 01:11:37.159 mean by an escape? What are they talking about event No, 1299 01:11:37.319 --> 01:11:37.880 well they are. 1300 01:11:37.920 --> 01:11:40.840 Talking about if you when you have an actual steam shower, 1301 01:11:41.239 --> 01:11:43.720 you have an inlet for the steam and an exit 1302 01:11:43.840 --> 01:11:44.520 for the steam. 1303 01:11:44.600 --> 01:11:46.399 I guess that's what you No, you don't know, you 1304 01:11:46.479 --> 01:11:49.920 don't I've had six I've had six steam showers active 1305 01:11:50.199 --> 01:11:52.319 and there's not one of them that had a vent ever. 1306 01:11:52.479 --> 01:11:54.920 And I just I literally just got one put in 1307 01:11:55.039 --> 01:11:56.079 less than two months ago. 1308 01:11:58.520 --> 01:12:01.319 Okay, Well that's I'm I mean, I didn't know, I mean, 1309 01:12:01.319 --> 01:12:04.760 I'm like, what, that's why I had this? That's I mean, look, 1310 01:12:04.800 --> 01:12:09.199 I paid fifty grand for the damn shower and you can't. 1311 01:12:09.359 --> 01:12:12.439 How the hell do you pay fifty grand for azer? 1312 01:12:12.600 --> 01:12:19.720 It's easy, Tom Mark fifty five zero. No, that was 1313 01:12:20.039 --> 01:12:21.640 probably with his other bathroom. 1314 01:12:21.760 --> 01:12:28.319 So hello, hello, that's for a little bathroom model, fours cabinets, 1315 01:12:28.960 --> 01:12:29.800 knew everything. 1316 01:12:30.159 --> 01:12:30.319 Yeah. 1317 01:12:30.520 --> 01:12:34.279 Also, okay, look I have I have ten foot ceilings 1318 01:12:34.800 --> 01:12:37.479 and I got the biggest shower that they could build. 1319 01:12:37.560 --> 01:12:40.960 So there's a lot of pile in there plus the 1320 01:12:41.000 --> 01:12:41.640 ceiling places. 1321 01:12:41.680 --> 01:12:44.399 Hey, Joe, why didn't you add a curiosity? You built 1322 01:12:44.439 --> 01:12:47.159 it up like that? Why not spend another, i don't know, 1323 01:12:47.319 --> 01:12:49.439 fifteen grand and put in a mister steam. 1324 01:12:49.479 --> 01:12:50.680 I'm just curious. 1325 01:12:53.680 --> 01:12:56.239 Because if I want to go there, I'm going to 1326 01:12:56.319 --> 01:12:58.880 do that in another bathroom. It just wasn't necessary. 1327 01:12:59.159 --> 01:13:00.640 Cool, you wouldn't use it there, I did. 1328 01:13:02.279 --> 01:13:03.279 What's that I said? 1329 01:13:03.319 --> 01:13:05.560 You probably just wouldn't use it there? I get it. 1330 01:13:06.960 --> 01:13:11.439 Yeah, exactly. So look it's a beautiful shower. They did 1331 01:13:11.479 --> 01:13:14.199 beautiful work. I just was freaked out when the guy says, oh, 1332 01:13:14.359 --> 01:13:16.000 don't don't put too much steam. 1333 01:13:15.760 --> 01:13:17.640 In here your walls. 1334 01:13:20.560 --> 01:13:22.880 Well, Joe, I'm gonna. 1335 01:13:23.760 --> 01:13:26.560 I'm going to go with you guys. I don't know 1336 01:13:26.680 --> 01:13:27.399 how it could. 1337 01:13:27.279 --> 01:13:29.600 Do that, So I'm fine, he's going with Tom and 1338 01:13:29.680 --> 01:13:35.960 not Tom. Yeah, that's right, Tom and not Tom. Thank you, Joe, 1339 01:13:37.039 --> 01:13:37.399 all right? 1340 01:13:37.479 --> 01:13:40.000 And you know what they would call in your case 1341 01:13:40.039 --> 01:13:44.359 would be not Joe anyway, not trail three shoe Joe, Yeah, 1342 01:13:45.560 --> 01:13:48.560 trail three seven on three eight two five five, okay 1343 01:13:49.720 --> 01:13:52.720 in any case. Brian Burns, Compass Insurance Group. Somebody wants 1344 01:13:52.720 --> 01:13:56.079 to know about an insurance checkup, and they want to know, 1345 01:13:57.560 --> 01:14:00.439 is there any percentage at which you decide to switch 1346 01:14:00.479 --> 01:14:01.039 over or not? 1347 01:14:02.800 --> 01:14:05.920 Well, right now, it seems like almost every rate is 1348 01:14:06.000 --> 01:14:09.520 going up enough to be past, you know, a minimum, 1349 01:14:09.920 --> 01:14:11.760 Like we used to do a minimum if it was 1350 01:14:11.920 --> 01:14:14.720 if it wasn't going up more than ten percent, then 1351 01:14:14.800 --> 01:14:18.119 we wouldn't automatically shop. We would just we'd call and 1352 01:14:18.239 --> 01:14:20.520 still have a conversation and if they want us to shop, 1353 01:14:20.720 --> 01:14:23.880 we would do it, but it just wouldn't be automatic. 1354 01:14:24.039 --> 01:14:27.399 But that's so it's so hard to find that now 1355 01:14:27.520 --> 01:14:29.880 that we shop almost every single person that's coming up 1356 01:14:29.880 --> 01:14:32.439 for renewal. That doesn't mean we recommend that everybody move. 1357 01:14:33.720 --> 01:14:37.600 We look to see and if what they've got is better, 1358 01:14:37.760 --> 01:14:40.439 we'll tell them that. Or a lot of times now 1359 01:14:41.039 --> 01:14:44.600 when someone's renewals coming up, we start shopping. But the 1360 01:14:44.760 --> 01:14:46.840 new carriers, you know, if you're trying to write a 1361 01:14:46.880 --> 01:14:50.880 new policy, they're requiring higher deductibles. Some carriers will go 1362 01:14:50.960 --> 01:14:54.359 as high as like a two percent minimum win in hail. 1363 01:14:54.439 --> 01:14:58.279 And so if they are grandfathered into the current carrier, 1364 01:14:58.399 --> 01:15:01.359 let's say they're with a carrier now that's letting them 1365 01:15:01.399 --> 01:15:04.159 have it with a twenty five hundred dollars wind tail deductible, 1366 01:15:04.600 --> 01:15:06.800 and the new carrier is going to be the equivalent 1367 01:15:06.880 --> 01:15:09.920 of a ten thousand deductible. Even if they're saving money, 1368 01:15:10.000 --> 01:15:12.199 we try to explain that and then let them make 1369 01:15:12.279 --> 01:15:14.640 that call. Hey, you know, I mean, yes, you're saving 1370 01:15:15.119 --> 01:15:17.319 you know, eight nine hundred bucks a year, but you're 1371 01:15:17.359 --> 01:15:20.159 also taking on an additional seventy five hundred dollars of 1372 01:15:20.560 --> 01:15:23.439 risks exactly exactly, So we just try to have the 1373 01:15:23.479 --> 01:15:24.439 conversation with them. 1374 01:15:25.520 --> 01:15:27.920 Brian, We we talk about this a lot. 1375 01:15:28.239 --> 01:15:33.680 But somebody texted me, when does it is it cheaper 1376 01:15:34.439 --> 01:15:37.399 to add your kid? And here's what their reasoning is. 1377 01:15:38.319 --> 01:15:40.640 If I add my kid to my insurance, I have 1378 01:15:40.760 --> 01:15:45.199 a high deductible excuse me, a high umbrella, high limits, 1379 01:15:45.279 --> 01:15:49.199 blah blah blah. What if my kid just gets a car, 1380 01:15:49.479 --> 01:15:52.159 a used car, and ensures it under his own name 1381 01:15:52.239 --> 01:15:55.520 for himself, Is that cheaper than keeping him under the 1382 01:15:55.600 --> 01:15:56.399 household No? 1383 01:15:56.760 --> 01:15:59.800 I mean I never see it being cheaper to do that, 1384 01:16:00.119 --> 01:16:02.880 because you're putting it only in the kid's name, So 1385 01:16:02.960 --> 01:16:06.000 then you have a policy just for the kid, and 1386 01:16:06.199 --> 01:16:09.279 so automatically the rate's going to be substantially higher than 1387 01:16:09.319 --> 01:16:12.960 if I was using you know, an adult's information, their 1388 01:16:13.039 --> 01:16:17.359 insurance score, their prior history, you know. So it's going 1389 01:16:17.439 --> 01:16:20.159 to be more expensive to do that. Secondly, you would 1390 01:16:20.199 --> 01:16:23.000 have to exclude him on all the other cars, So 1391 01:16:23.760 --> 01:16:25.399 then all of a sudden he wouldn't be able to 1392 01:16:25.479 --> 01:16:27.319 drive any other car in the household. He or she 1393 01:16:27.359 --> 01:16:30.079 wouldn't be able to drive any other cars in the household. 1394 01:16:30.600 --> 01:16:33.640 And on the flip side, you would be excluding the 1395 01:16:33.800 --> 01:16:36.520 parents and any other drivers on his policy. It just 1396 01:16:36.680 --> 01:16:38.399 it doesn't make sense to do it that way. 1397 01:16:41.760 --> 01:16:45.439 Okay, So in other words, if you have a household 1398 01:16:45.520 --> 01:16:50.439 policy and you have other cars, the safest, best, and 1399 01:16:50.560 --> 01:16:54.680 it's not going to be expensive, is to just raid 1400 01:16:54.800 --> 01:16:57.479 him in the home policy or her in the home policy. 1401 01:16:57.800 --> 01:16:59.640 Yeah, and I don't know if it's not expensive. I 1402 01:16:59.720 --> 01:17:02.760 get it's expensive to add young drivers, but it's it's 1403 01:17:02.920 --> 01:17:05.800 the best way to do it from both the coverage 1404 01:17:05.840 --> 01:17:09.520 standpoint and the cost standpoint. Now, at some point the 1405 01:17:09.640 --> 01:17:11.600 kid moves out of the house, it's twenty he or 1406 01:17:11.640 --> 01:17:13.600 she is twenty one, they own their car. I totally 1407 01:17:13.680 --> 01:17:16.600 understand splitting them off and then, uh, you know, that's 1408 01:17:16.640 --> 01:17:18.800 when you want to do that. But while they're members 1409 01:17:18.840 --> 01:17:21.880 of the household, Uh, you want to go ahead and 1410 01:17:21.960 --> 01:17:24.640 just keep them on your policy. I you know, sometimes 1411 01:17:24.720 --> 01:17:27.800 it happens where a young driver has multiple tickets or 1412 01:17:27.880 --> 01:17:31.039 accidents and you don't have any choice other than to 1413 01:17:31.199 --> 01:17:33.119 exclude them from your policy and have to get a 1414 01:17:33.199 --> 01:17:36.079 separate policy for them. But that's just so expensive to do. 1415 01:17:36.239 --> 01:17:37.039 It's not ideal. 1416 01:17:38.640 --> 01:17:41.680 Okay, we had more coming up three oh three, seven 1417 01:17:41.680 --> 01:17:43.720 to one to three talks seven one, three, eight, two 1418 01:17:43.800 --> 01:17:47.880 five five One Clear Choice garage doors. Talking about cars, 1419 01:17:47.960 --> 01:17:51.159 let's talk about garages. One Clear Choice garage Doors. I've 1420 01:17:51.159 --> 01:17:54.800 been representing these guys for years and years. They are 1421 01:17:54.880 --> 01:17:58.760 simply one of the most efficient best garage door companies around, 1422 01:17:58.800 --> 01:18:02.239 whether it's the opener or any part of the door. 1423 01:18:03.439 --> 01:18:06.760 One clear choice doors dot com, with all of their 1424 01:18:06.840 --> 01:18:11.479 prices clearly marked on that website. One clear Choice Doors 1425 01:18:11.560 --> 01:18:14.760 dot Com seven to zero three seven zero thirty nine 1426 01:18:14.840 --> 01:18:23.199 eighty seven. Go with a sure thing Denver's best roofer 1427 01:18:23.359 --> 01:18:24.680 Excel Roofing dot com. 1428 01:18:24.880 --> 01:18:26.920 You don't pay a cent until you're content. 1429 01:18:30.279 --> 01:18:33.439 Time for an insurance check up free no obligation comparison 1430 01:18:33.600 --> 01:18:37.159 call Compass Insurance paying too much your coverage at dozens 1431 01:18:37.159 --> 01:18:39.920 of insurance companies find out now three oh three seven 1432 01:18:39.920 --> 01:18:42.239 to seven to one help. You'll think you're his only 1433 01:18:42.359 --> 01:18:44.800 customer when you choose Frank durand the real estate Man 1434 01:18:44.880 --> 01:18:48.279 dot com to list your home with Remax Alliance three 1435 01:18:48.359 --> 01:18:56.960 oh three nine two zero sixteen twenty two. I Tom Martino, 1436 01:18:58.159 --> 01:19:01.359 your troubleshooter three three seven one three talks seven one 1437 01:19:01.399 --> 01:19:06.279 three eight two five five. We're talking about steam showers 1438 01:19:06.359 --> 01:19:09.159 and porcelain showers and big showers. Wait till I show 1439 01:19:09.199 --> 01:19:12.880 you this one. Somebody just sent me renew Home Innovations 1440 01:19:12.960 --> 01:19:13.920 something they just did. 1441 01:19:14.800 --> 01:19:15.640 Oh my god. 1442 01:19:16.359 --> 01:19:18.720 Anyway, he tells me that you can go up to 1443 01:19:18.760 --> 01:19:21.039 one hundred grand in a shower if you make it 1444 01:19:21.119 --> 01:19:22.319 big enough and bad enough. 1445 01:19:24.640 --> 01:19:25.479 I mean, think about that. 1446 01:19:25.800 --> 01:19:25.880 Now. 1447 01:19:25.880 --> 01:19:27.960 I'm not saying that's run of the mill, but it 1448 01:19:28.119 --> 01:19:31.520 can be that. Brian got another text for you. By 1449 01:19:31.520 --> 01:19:33.560 the way, we're taking calls on any and all topics, 1450 01:19:33.640 --> 01:19:36.039 but if you have any insurance checkups you want to do, 1451 01:19:37.359 --> 01:19:40.319 you can call a Compass insurance directly three oh three 1452 01:19:40.479 --> 01:19:43.159 nine nine six nine thousand, nine nine six nine thousand, 1453 01:19:43.880 --> 01:19:46.800 and we'll get you a comparison. 1454 01:19:47.800 --> 01:19:47.880 Uh. 1455 01:19:48.000 --> 01:19:50.079 Somebody wants to know, if a kid doesn't live with me, 1456 01:19:50.199 --> 01:19:52.479 can they still be on my household policy? 1457 01:19:54.159 --> 01:19:54.359 Yeah? 1458 01:19:55.079 --> 01:19:59.079 So usually it depends on the age. Uh, but if 1459 01:19:59.079 --> 01:20:01.239 a kid doesn't live with you, especially if they're in college, 1460 01:20:01.279 --> 01:20:04.840 then it's no problem at all. Policies will usually let 1461 01:20:04.920 --> 01:20:07.159 you keep them on your policy until the age of 1462 01:20:07.239 --> 01:20:10.159 twenty five, where they start running in problems. If they 1463 01:20:10.279 --> 01:20:12.800 truly have moved to another state, they have their own 1464 01:20:12.880 --> 01:20:15.239 license there and that kind of stuff, they really need 1465 01:20:15.319 --> 01:20:17.760 to get insurance in that state, register the car that 1466 01:20:17.840 --> 01:20:21.840 they have there. But so I guess the best answer 1467 01:20:21.920 --> 01:20:24.399 is it depends on the exact situation, But yes, you 1468 01:20:24.560 --> 01:20:28.640 can in certain circumstances still ensure your kids on your 1469 01:20:28.680 --> 01:20:30.319 policy even if they're not in the household. 1470 01:20:31.640 --> 01:20:35.640 Okay, and does still does that work out? I mean 1471 01:20:35.640 --> 01:20:37.680 it's the same, right, They don't rate them differently, do 1472 01:20:37.800 --> 01:20:38.359 they know? 1473 01:20:38.600 --> 01:20:40.600 And so you know, when we were just talking a 1474 01:20:40.640 --> 01:20:43.800 minute ago, the good thing to do is to find 1475 01:20:43.920 --> 01:20:48.760 a company that will allow you to assign operators to 1476 01:20:48.920 --> 01:20:51.720 specific vehicles. And not all companies do that. A lot 1477 01:20:51.760 --> 01:20:55.159 of them just say that they're all listed. You know, 1478 01:20:55.239 --> 01:20:58.159 there's not really any kind of assignment to a specific vehicle. 1479 01:20:58.239 --> 01:21:01.279 They're just all on the policy. Whereas there's other carriers 1480 01:21:01.439 --> 01:21:05.279 that will allow you to assign a driver to a 1481 01:21:05.359 --> 01:21:07.840 specific vehicle. It does not mean they can't drive the 1482 01:21:07.880 --> 01:21:10.960 other vehicles. They're not excluded from the other vehicles. But 1483 01:21:11.119 --> 01:21:14.199 the rate is derived from the fact that this is 1484 01:21:14.239 --> 01:21:17.520 the car they're assigned to. That and usually with young drivers, 1485 01:21:17.560 --> 01:21:20.439 that's a you know, those companies seem to be more 1486 01:21:20.479 --> 01:21:22.840 competitively priced because they do it that way. 1487 01:21:24.680 --> 01:21:26.319 Oh, I get it, I get it. 1488 01:21:27.079 --> 01:21:30.319 Okay, three oh three seven one three talks seven one 1489 01:21:30.399 --> 01:21:31.800 three eight two five five. 1490 01:21:32.359 --> 01:21:37.600 So if you are looking for comparisons, do we have 1491 01:21:37.760 --> 01:21:39.119 any we can compare right now? 1492 01:21:39.199 --> 01:21:41.840 Brian, I was just looking here I do have one 1493 01:21:41.920 --> 01:21:44.079 that just showed up here from one of the guys 1494 01:21:44.479 --> 01:21:47.640 that is working on quotes right now. It looks like 1495 01:21:48.960 --> 01:21:53.960 a customer called up there with All State and it 1496 01:21:54.119 --> 01:21:56.960 looks like we were able to move them or quote 1497 01:21:56.960 --> 01:22:01.359 them to a company called Travelers, and yeah, the UH 1498 01:22:01.960 --> 01:22:05.640 saved them fourteen hundred dollars a year and increase the 1499 01:22:05.760 --> 01:22:08.279 liability they were. Oh man, they only had twenty five 1500 01:22:08.279 --> 01:22:11.399 to fifty liability. So if if they were to get 1501 01:22:11.439 --> 01:22:13.359 into an accident and it hurts someone the most, their 1502 01:22:13.439 --> 01:22:15.760 policy was going to pay us twenty five thousand dollars. 1503 01:22:16.680 --> 01:22:18.960 And it looks like we moved them up to two 1504 01:22:19.079 --> 01:22:22.119 hundred and fifty thousand dollars, so you know, ten times 1505 01:22:22.159 --> 01:22:24.560 the amount of coverage and saved them fourteen hundred dollars 1506 01:22:24.560 --> 01:22:24.840 a year. 1507 01:22:26.840 --> 01:22:29.399 Holy crap, that's pretty good, don't you think. 1508 01:22:29.640 --> 01:22:32.279 Yeah, no, that's great. And it looks like they also 1509 01:22:32.439 --> 01:22:34.800 we quoted an umbrella, a one million dollar umbrella. So 1510 01:22:34.880 --> 01:22:37.680 these people own a home. It's just amazing to me 1511 01:22:38.319 --> 01:22:42.039 when people call and they have these low liability limits 1512 01:22:42.039 --> 01:22:44.840 and they have no idea that you know, what it 1513 01:22:45.000 --> 01:22:46.840 is they have there that if they if they get 1514 01:22:46.840 --> 01:22:49.159 into an accident. They're you know, they could stand to 1515 01:22:49.279 --> 01:22:52.520 lose everything because someone it takes nothing to get over 1516 01:22:52.600 --> 01:22:55.880 twenty five thousand dollars and then they'll come after them individually. 1517 01:22:56.039 --> 01:22:59.000 So it's just it's incredible whenever I see that, because 1518 01:22:59.000 --> 01:23:01.319 people have been with the company maybe for you know, 1519 01:23:01.479 --> 01:23:04.399 for a long long time, never have you know, don't 1520 01:23:04.439 --> 01:23:07.720 have any kind of reviews with their policy. And so 1521 01:23:07.800 --> 01:23:10.399 they were carrying the same liability limit they carried when 1522 01:23:10.439 --> 01:23:12.880 they were in college and their net worth was not 1523 01:23:13.039 --> 01:23:15.720 even close exactly, and now they have a much higher 1524 01:23:15.800 --> 01:23:19.439 net worth, but they haven't ever increased their liability limit 1525 01:23:19.560 --> 01:23:20.640 to kind of go along with it. 1526 01:23:21.840 --> 01:23:26.319 All right, thank you now, Jeff, by the way, for 1527 01:23:26.479 --> 01:23:30.159 the insurance check up or for compass at any time. 1528 01:23:30.239 --> 01:23:33.800 Three h three nine nine six nine thousand, nine nine 1529 01:23:33.880 --> 01:23:36.760 six nine thousand, Jeff, what's going on with you? 1530 01:23:36.880 --> 01:23:37.039 Man? 1531 01:23:40.479 --> 01:23:45.479 He all, sir, Yes, sir, yes, what's going on? 1532 01:23:46.479 --> 01:23:48.800 I just have a complaint with icon I Care. 1533 01:23:49.960 --> 01:23:53.159 Okay, And by the way, full disclosure, they did a 1534 01:23:53.239 --> 01:23:56.199 procedure for me, two procedures years ago, and they were 1535 01:23:56.239 --> 01:23:58.840 a sponsor here they're no longer a sponsor. I mean, 1536 01:23:58.880 --> 01:24:00.960 I have no reason why they're not. I mean, what 1537 01:24:01.039 --> 01:24:04.520 I mean is that they did clear lens exchanges for me. 1538 01:24:05.520 --> 01:24:06.479 What's going on with them? 1539 01:24:06.720 --> 01:24:09.520 That's exactly why I went to them, just because of 1540 01:24:09.600 --> 01:24:12.199 your experience that you had. You know, yeah, I heard 1541 01:24:12.239 --> 01:24:14.520 your story about that. I had the same procedure done 1542 01:24:15.359 --> 01:24:17.000 the new change. 1543 01:24:17.880 --> 01:24:21.159 You wanted to go without glasses, right right. 1544 01:24:21.239 --> 01:24:25.479 Right right. So I went in on the twenty first 1545 01:24:25.560 --> 01:24:30.359 and had the surgery done twenty first of what I'm sorry, 1546 01:24:30.720 --> 01:24:34.479 November twenty first of twenty four. I went in and 1547 01:24:34.560 --> 01:24:37.880 had the procedure done on both eyes, had them both 1548 01:24:37.960 --> 01:24:42.239 done at the same time, and I paid out of 1549 01:24:42.279 --> 01:24:45.760 pocket because my insurance wouldn't cover it. So I went in, 1550 01:24:46.199 --> 01:24:49.000 went back, Everything went great, went through all the follow ups. 1551 01:24:50.199 --> 01:24:52.159 I had one little issue. I had a high pressure 1552 01:24:52.199 --> 01:24:54.960 in my right eye, so they put me on some 1553 01:24:55.159 --> 01:25:00.720 drops and we're monitoring the pressure. I went back for 1554 01:25:00.880 --> 01:25:05.560 my final you know, for the lock in treatment on Disney. 1555 01:25:05.600 --> 01:25:05.920 What is that? 1556 01:25:06.359 --> 01:25:07.680 What kind of treatment? Wait? 1557 01:25:07.760 --> 01:25:09.560 What kind of treatment they where they. 1558 01:25:09.560 --> 01:25:11.680 Locked the vision in? You know, how they monitor your 1559 01:25:11.760 --> 01:25:14.520 vision for the first couple of weeks after you get 1560 01:25:14.560 --> 01:25:15.319 the lenses put in. 1561 01:25:15.960 --> 01:25:17.840 And what does that mean? Lock it in? No? I 1562 01:25:17.960 --> 01:25:19.960 never had that done. What does that mean lock it in? 1563 01:25:20.800 --> 01:25:23.359 Well, it means once you're happy with where your your 1564 01:25:24.000 --> 01:25:28.319 vision is, they do it. They can laser procedure to 1565 01:25:28.479 --> 01:25:30.119 lock it in where it is. 1566 01:25:30.640 --> 01:25:31.920 Oh, I didn't know. I didn't know that. 1567 01:25:32.239 --> 01:25:35.199 All I did was I did one eye and it 1568 01:25:35.319 --> 01:25:38.239 healed and then I waited where I can see close 1569 01:25:38.359 --> 01:25:41.880 and far. It took three months and then it was perfect. 1570 01:25:42.399 --> 01:25:44.560 Then I went and had the other eye done and 1571 01:25:44.800 --> 01:25:47.079 it only took a month to come in. But I 1572 01:25:47.279 --> 01:25:49.319 never went back. I never had any lazy But anyway, 1573 01:25:49.359 --> 01:25:50.439 go ahead. What happened then? 1574 01:25:51.159 --> 01:25:54.920 Okay? So I had that all done, and after I 1575 01:25:55.039 --> 01:26:00.520 went back for my final lock in treatment, they wanted 1576 01:26:00.520 --> 01:26:04.119 to follow up and check my pressure in my right 1577 01:26:04.199 --> 01:26:09.840 eye and between I had an appointment scheduled on January 1578 01:26:09.920 --> 01:26:13.520 seventh to twenty twenty five, and the Sunday before that, 1579 01:26:13.680 --> 01:26:16.960 I kind of developed some floaters and blurry vision in 1580 01:26:17.039 --> 01:26:17.680 my right eye. 1581 01:26:19.000 --> 01:26:21.119 So how old are you? 1582 01:26:22.279 --> 01:26:23.600 I am sixty three. 1583 01:26:25.000 --> 01:26:26.920 That's pretty calmon the floaters, Yeah, go. 1584 01:26:26.920 --> 01:26:33.279 Ahead, okay, So I had an appointment. If this started 1585 01:26:33.319 --> 01:26:35.239 on a Sunday, and I had an appointment on Tuesday, 1586 01:26:35.279 --> 01:26:36.680 so I just thought i'd just bring it up to 1587 01:26:36.800 --> 01:26:39.960 him on Tuesday when I go in for the appointment. 1588 01:26:40.720 --> 01:26:43.279 So I went in and I seen an entotometrist and 1589 01:26:45.079 --> 01:26:47.319 he looked at it and says, yeah, sometimes you have 1590 01:26:47.399 --> 01:26:49.720 a gel sack in the back of your eye, that 1591 01:26:49.880 --> 01:26:52.479 kind of that's right. As we get older, that's right. 1592 01:26:52.760 --> 01:26:55.680 And in fact, it happens a lot. It happened to 1593 01:26:55.760 --> 01:26:59.159 me on both eyes, not after the clear legs exchange, 1594 01:26:59.199 --> 01:27:02.039 but about ten years later, I had what. 1595 01:27:02.239 --> 01:27:03.800 Was called vitriach to me. 1596 01:27:03.920 --> 01:27:08.039 They take it out, that gel, and that fluid breaks up, 1597 01:27:08.439 --> 01:27:11.760 it starts floating, and god does it get scary because 1598 01:27:11.800 --> 01:27:14.079 when it floats across your field of vision, you're saying, 1599 01:27:14.119 --> 01:27:15.960 wait a minute, I just went blind in that eye. 1600 01:27:16.399 --> 01:27:19.399 And then it floats away, and then it can be 1601 01:27:19.560 --> 01:27:22.239 little chunks, big chunks, it can be all kinds of stuff. 1602 01:27:22.520 --> 01:27:25.520 And then they take all that fluid out and that's 1603 01:27:25.560 --> 01:27:30.359 a different place that does that. And then I had 1604 01:27:30.479 --> 01:27:33.800 doctor June Depth do it, and he took out first 1605 01:27:33.840 --> 01:27:35.479 it was the left eye, then it was the right eye, 1606 01:27:35.560 --> 01:27:38.920 or or vice versa whatever, and I have perfect you know, 1607 01:27:39.079 --> 01:27:41.880 and that even made my eyes even better because it 1608 01:27:41.960 --> 01:27:42.520 gets rid of. 1609 01:27:42.520 --> 01:27:45.079 All that old murky fluid anyway, is that what you 1610 01:27:45.159 --> 01:27:45.600 had done? 1611 01:27:46.520 --> 01:27:49.520 Well, no, no, she's that's what they told me it was. 1612 01:27:49.640 --> 01:27:52.119 And she just, you know, it'll probably just go away 1613 01:27:52.680 --> 01:27:53.319 to come back. 1614 01:27:53.199 --> 01:27:56.000 And all, No, it doesn't, No, it doesn't. 1615 01:27:56.600 --> 01:28:00.960 No, So that's that's why. So I got worse during 1616 01:28:01.079 --> 01:28:03.079 that week. So I called in and I went in. 1617 01:28:03.920 --> 01:28:05.840 Let's see, that was on a Tuesday that I went 1618 01:28:05.920 --> 01:28:08.479 in and they said that that sack may be breaking apart. 1619 01:28:09.199 --> 01:28:12.720 And I went in and I seen another optometrist and 1620 01:28:13.000 --> 01:28:16.199 he looked at my eye and he says it was 1621 01:28:16.279 --> 01:28:20.000 an I had a you know, it was inflamed. And 1622 01:28:20.760 --> 01:28:23.680 he told me that I needed to see a retinal specialist. 1623 01:28:24.600 --> 01:28:28.800 That's exactly right, that's right. But this I don't know why. 1624 01:28:29.239 --> 01:28:30.920 It has nothing to do with icon. 1625 01:28:35.319 --> 01:28:36.199 Oh yeah, yeah it does. 1626 01:28:37.920 --> 01:28:40.239 Well, okay, okay, actually it doesn't. 1627 01:28:41.000 --> 01:28:41.720 I need to finish. 1628 01:28:41.760 --> 01:28:43.279 They finished finish. 1629 01:28:43.800 --> 01:28:48.199 So he told me, he said that I had detachment, 1630 01:28:48.560 --> 01:28:51.359 you know, hemorrhaging and a detachment because what I was 1631 01:28:51.439 --> 01:28:54.800 seeing was blood. It wasn't the floaters were blood being 1632 01:28:55.159 --> 01:28:56.159 out inside my eye. 1633 01:28:56.439 --> 01:28:59.399 So wait a minute, they did not discover they did 1634 01:28:59.479 --> 01:29:01.760 not cover a detached retina. 1635 01:29:02.960 --> 01:29:07.520 No, no, he said that they couldn't see because of 1636 01:29:07.600 --> 01:29:10.600 the because it was so swollen and there was so 1637 01:29:10.720 --> 01:29:12.520 much blood in there that they couldn't see. 1638 01:29:13.199 --> 01:29:15.319 So he said, I need But why didn't they refer you? 1639 01:29:15.560 --> 01:29:19.079 Why did they not refer you to a specialist? 1640 01:29:19.840 --> 01:29:21.960 Well, that's where I'm getting to. He said that I 1641 01:29:22.079 --> 01:29:24.279 need to see it. He says, I can't refer you 1642 01:29:24.439 --> 01:29:27.279 to a retina specialist, but here's what you tell him, 1643 01:29:27.279 --> 01:29:30.760 and he gave me this little paragraph. So I've got 1644 01:29:30.840 --> 01:29:35.159 Kaiser insurance. So I called Kay and I told him that, yeah, 1645 01:29:35.479 --> 01:29:37.640 I need to see a retinal specialist. And he says, well, 1646 01:29:37.680 --> 01:29:42.319 you need a referral for a retinal specialist, and well, 1647 01:29:42.399 --> 01:29:45.520 I said, well, here's what the atomis told me. He says, 1648 01:29:45.520 --> 01:29:47.039 I don't care what he told you. I still need 1649 01:29:47.119 --> 01:29:52.239 a referral from him. So so I called back Icon 1650 01:29:52.399 --> 01:29:54.560 and told him, you know, talk. This was on a 1651 01:29:54.640 --> 01:29:55.439 Friday night. 1652 01:29:56.119 --> 01:29:58.920 Jeff, Jeff, hold on, hold on, Jeff, I need to 1653 01:29:59.119 --> 01:30:02.199 interject here. When I said, by the way, just let 1654 01:30:02.279 --> 01:30:04.560 me clarify this. When I said it has nothing to 1655 01:30:04.600 --> 01:30:07.319 do with Icon, Here's what I meant. If you're having 1656 01:30:07.880 --> 01:30:12.720 if you had this detachment, because they did something. 1657 01:30:12.520 --> 01:30:16.119 Wrong when they did their lens. That would be one thing. 1658 01:30:16.399 --> 01:30:20.199 Normally the lens is not connected to the detachment. 1659 01:30:20.279 --> 01:30:24.520 But if it did happen, are you saying now they 1660 01:30:24.600 --> 01:30:29.359 are I think responsible for not referring you and not 1661 01:30:29.680 --> 01:30:31.079 recognizing the problem. 1662 01:30:31.520 --> 01:30:34.840 But I don't know if they caused the problem or not. 1663 01:30:35.199 --> 01:30:38.760 Let's let's discuss both of Let's discuss both of those things. 1664 01:30:38.800 --> 01:30:41.199 I want to get to what happened and what we 1665 01:30:41.319 --> 01:30:48.720 can do for you. Coming right up, go. 1666 01:30:48.840 --> 01:30:52.399 With a sure thing Denver's Best roofer Excel Roofing dot com. 1667 01:30:52.600 --> 01:30:54.600 You don't pay a cent until you're content. 1668 01:30:58.000 --> 01:31:01.520 Time for an insurance check up, Free obligation comparison call 1669 01:31:01.680 --> 01:31:04.920 Compass Insurance paying too much your coverage at dozens of 1670 01:31:05.000 --> 01:31:07.960 insurance companies find out now three all three seven seven 1671 01:31:07.960 --> 01:31:10.720 to one help. You'll think you're his only customer when 1672 01:31:10.760 --> 01:31:13.039 you choose Frank durand the real estate Man dot com 1673 01:31:13.279 --> 01:31:16.359 to list your home with Remax Alliance three all three 1674 01:31:16.479 --> 01:31:18.119 nine two zero sixteen twenty two. 1675 01:31:22.520 --> 01:31:25.159 Hey, I'm Tom Artina, You're troubleshooter three all three seven 1676 01:31:25.239 --> 01:31:27.600 one three talk seven one three eight two five to five. Listen. 1677 01:31:29.560 --> 01:31:33.800 So Jeff went to Icon to have a clear lens exchange. 1678 01:31:33.840 --> 01:31:37.039 I had that done years ago. He said he developed 1679 01:31:37.079 --> 01:31:40.439 some floaters and blurry vision in his right eye. He 1680 01:31:40.520 --> 01:31:41.560 went in for a checkup. 1681 01:31:43.600 --> 01:31:46.079 They told him to see a retinal specialist. 1682 01:31:48.199 --> 01:31:53.079 And he could not get a referral. So I don't 1683 01:31:53.199 --> 01:31:57.359 understand why they wouldn't give you a referral. But also 1684 01:31:58.119 --> 01:32:03.319 I also don't understand why Kaiser requires a referral. I 1685 01:32:03.520 --> 01:32:07.319 went to a retinal specialist directly. This had nothing to 1686 01:32:07.359 --> 01:32:10.359 do with Icon it was. It was years later, but 1687 01:32:10.520 --> 01:32:16.079 I went for this gel. It was bothering me, and 1688 01:32:16.239 --> 01:32:19.960 I simply called whatever I think it was, Colorado or 1689 01:32:19.960 --> 01:32:24.760 wherever doctor June Depth is and got an appointment and 1690 01:32:25.000 --> 01:32:29.479 he saw me and scheduled surgery. So, Jeff, I don't 1691 01:32:29.479 --> 01:32:34.880 know how Kaiser works, but certainly they would have had 1692 01:32:34.920 --> 01:32:38.279 a regular eye doctor that would have made you a 1693 01:32:38.399 --> 01:32:42.359 referral to their in house retinal specialists at Kaiser. 1694 01:32:43.239 --> 01:32:45.600 Well, the doctor on Friday was telling me that I 1695 01:32:45.720 --> 01:32:49.520 needed to see one before Tuesday, no later than tuesday. 1696 01:32:49.560 --> 01:32:52.199 He told me, yeah, because if you have a retinal detachment, 1697 01:32:52.279 --> 01:32:53.199 you can go blind. 1698 01:32:53.600 --> 01:32:57.960 Oh I know, I know. So anyway, they never did. 1699 01:32:58.279 --> 01:33:01.079 They wouldn't do a referral. I called back Monday, yep, and. 1700 01:33:01.840 --> 01:33:05.520 At Jeff, I'm asking a very simple question, Jeff, I'm 1701 01:33:05.520 --> 01:33:08.680 trying to I'm asking a very simple question. Why didn't 1702 01:33:08.720 --> 01:33:12.720 you say to Kaiser you're having problems and just get 1703 01:33:12.760 --> 01:33:14.159 in to see an eye doctor. 1704 01:33:14.359 --> 01:33:14.720 Period? 1705 01:33:15.720 --> 01:33:17.800 Well that's what I finally did on Monday. 1706 01:33:18.159 --> 01:33:20.760 Okay, okay, I think. 1707 01:33:20.640 --> 01:33:24.720 That Kaiser optometrists on Monday. They were very good at Kaiser, 1708 01:33:25.199 --> 01:33:28.319 but I mean, just to neglect from Icon, they even 1709 01:33:28.840 --> 01:33:29.720 kaw tell. 1710 01:33:29.600 --> 01:33:32.359 Me, hold on, hold on, you used the good word, Jeff, 1711 01:33:32.439 --> 01:33:32.880 you use. 1712 01:33:32.840 --> 01:33:36.479 The word neglect. Tell me how they neglected you. I 1713 01:33:36.600 --> 01:33:37.439 need to know that part. 1714 01:33:38.239 --> 01:33:41.319 Well, because they because I had to go through. And 1715 01:33:41.920 --> 01:33:44.399 the reason that he gave me this little paragraph to 1716 01:33:44.479 --> 01:33:46.920 tell them at at Kaiser is so I wouldn't have 1717 01:33:47.039 --> 01:33:50.720 to go through seeing an autometrist, having the autometrists look 1718 01:33:50.760 --> 01:33:52.600 at me. He's just trying to save me some time. 1719 01:33:53.079 --> 01:33:56.119 He says, I can't do a referral, which I find out. 1720 01:33:56.199 --> 01:33:59.960 But why why can't they do a referral? I don't understand. 1721 01:34:00.840 --> 01:34:02.920 Why don you'd have to ask Icon that? 1722 01:34:03.199 --> 01:34:06.119 Well wait, wait, wait, wait, If you're with Kaiser, generally 1723 01:34:06.239 --> 01:34:07.920 that's going to be all in house, Mate. 1724 01:34:08.119 --> 01:34:09.640 I don't know if like they can. 1725 01:34:09.680 --> 01:34:13.760 Refer you to a doctor outside of the network, knowing 1726 01:34:13.800 --> 01:34:14.560 you have Kaiser. 1727 01:34:14.640 --> 01:34:18.039 You know what I'm saying, Mark, that wasn't the case. 1728 01:34:18.119 --> 01:34:19.399 Here's what the case was. 1729 01:34:19.720 --> 01:34:23.760 Jeff was at Jeff was at Icon and he wanted 1730 01:34:23.840 --> 01:34:29.640 a referral to an optimobelage or retina specialist. 1731 01:34:29.720 --> 01:34:32.119 And it could have been I mean if he got 1732 01:34:32.159 --> 01:34:32.720 a referral to. 1733 01:34:32.720 --> 01:34:36.560 A retinal specialist within Kaiser. Can an outside doctor make 1734 01:34:36.600 --> 01:34:39.960 a recommendation to an inside Kaiser specialist if you're part 1735 01:34:40.039 --> 01:34:41.199 of Kaiser, Mark. 1736 01:34:41.920 --> 01:34:46.000 I wouldn't go to anywhere other than what Kaiser tells 1737 01:34:46.039 --> 01:34:47.800 me to go to because I don't think there would 1738 01:34:47.800 --> 01:34:48.640 be any coverage. 1739 01:34:49.640 --> 01:34:52.319 No, But what I meant is this, Mark, that was 1740 01:34:52.359 --> 01:34:53.000 the whole point. 1741 01:34:53.399 --> 01:34:56.319 He had the clear lens exchange done at Icon because 1742 01:34:56.439 --> 01:34:57.600 Kaiser doesn't. 1743 01:34:57.359 --> 01:34:59.880 Offer it, correct he paid for it out of pocket. 1744 01:35:00.000 --> 01:35:03.399 I understand what we're asking is this, if you ever 1745 01:35:03.560 --> 01:35:06.119 did that where you were with an outside doctor, can 1746 01:35:06.159 --> 01:35:08.600 they refer you and say, Mark, you have to go 1747 01:35:08.760 --> 01:35:12.199 see this specialist. And since you're with Kaiser, would Kaiser 1748 01:35:12.359 --> 01:35:15.600 take a recommendation from an outside doctor, do you know? 1749 01:35:15.880 --> 01:35:18.760 No, I don't know, and I don't I don't think so, 1750 01:35:18.960 --> 01:35:20.880 because they're going to want you a network. 1751 01:35:22.039 --> 01:35:22.840 That's what I thought. 1752 01:35:23.479 --> 01:35:27.279 So I think, Jeff, I think that you would have 1753 01:35:27.319 --> 01:35:29.880 had to go to a Kaiser regular eye doctor. 1754 01:35:30.079 --> 01:35:33.560 Anyway, I'm thinking. But I know the point you're making. 1755 01:35:34.119 --> 01:35:38.239 Yeah, okay, but anyway you're. 1756 01:35:37.840 --> 01:35:43.199 Saying, I went and seen a Kaiser optometrist on Monday 1757 01:35:43.239 --> 01:35:46.079 morning and they were able to get me in with 1758 01:35:46.199 --> 01:35:50.119 the Kaiser retinal specialist that afternoon. So I went in 1759 01:35:50.239 --> 01:35:52.439 and seen the retinal specialist. 1760 01:35:53.840 --> 01:35:55.720 Hey would they say, by the way, did they were 1761 01:35:55.760 --> 01:35:58.000 they able to reattach it or what's the game plan? 1762 01:35:58.479 --> 01:35:58.640 Well? 1763 01:35:58.720 --> 01:36:01.119 No, no, I've never it was a retinal issue. It 1764 01:36:01.319 --> 01:36:04.439 was inflammation. It was an infection in my eye. 1765 01:36:05.000 --> 01:36:07.119 Oh wow from oh hold on, hold on, hold on 1766 01:36:07.279 --> 01:36:11.279 now now wait a minute. So this infection, this could 1767 01:36:11.439 --> 01:36:13.079 be part of that surgery. 1768 01:36:13.199 --> 01:36:14.119 Is that what they said? 1769 01:36:15.399 --> 01:36:17.800 Yeah, they don't more or less say that, but he 1770 01:36:17.880 --> 01:36:19.800 says that's more unlikely what happened. 1771 01:36:20.399 --> 01:36:21.199 Did they think? 1772 01:36:21.880 --> 01:36:24.520 Are they the ones that told you at icon to 1773 01:36:24.640 --> 01:36:28.720 see a retinal specialist because you could be having a detachment. 1774 01:36:29.720 --> 01:36:32.760 Yes, that's what I was told at icon, Oh. 1775 01:36:32.560 --> 01:36:36.399 Okay, but as it turns out, you have no retinal detachment. 1776 01:36:36.479 --> 01:36:36.960 Is that right? 1777 01:36:37.800 --> 01:36:38.199 Correct? 1778 01:36:39.640 --> 01:36:40.640 That is good news. 1779 01:36:41.000 --> 01:36:45.079 But does the do the Kaiser people say, hey, Jeff, 1780 01:36:45.800 --> 01:36:51.119 you have an infection as a result of what they did, not. 1781 01:36:51.199 --> 01:36:52.840 As a result. He said, that's the only way it 1782 01:36:52.880 --> 01:36:53.600 could have happened. 1783 01:36:54.319 --> 01:36:56.680 Well, sure, what else happened? Nothing else. It's not a 1784 01:36:56.760 --> 01:36:59.399 coincidence that. It's not a coincidence that all of a 1785 01:36:59.439 --> 01:37:03.279 sudden you got an infection. I mean, the only thing 1786 01:37:03.359 --> 01:37:04.960 you had done was what they did. 1787 01:37:06.199 --> 01:37:08.880 So he tells me you got an infection, and he says, 1788 01:37:09.359 --> 01:37:11.239 we got to do surgery. And I says, well, what 1789 01:37:11.319 --> 01:37:13.319 do you want to do this surgery? And he says, 1790 01:37:13.359 --> 01:37:16.800 we have to do it tomorrow afternoon. Yeah, so I 1791 01:37:16.840 --> 01:37:20.520 went So I went in and had surgery tuesday afternoon 1792 01:37:21.119 --> 01:37:23.119 to go in and suck my eye out. 1793 01:37:23.960 --> 01:37:26.479 You know, Wait a minute, wait a minute, wait, whoa, whoa, 1794 01:37:26.800 --> 01:37:31.399 Now now you're confusing me. They they did a vichery 1795 01:37:31.439 --> 01:37:34.079 out of me. They they took out the vitreous fluid 1796 01:37:34.600 --> 01:37:38.439 within your eye. But you just told me, oh, nevermind, 1797 01:37:38.720 --> 01:37:42.359 but that's not an infection. Usually usually that's just I 1798 01:37:42.560 --> 01:37:44.760 don't get why they did that treatment, but I'm not 1799 01:37:44.880 --> 01:37:47.439 a doctor, obviously, What did they say they were doing 1800 01:37:47.479 --> 01:37:49.319 the vitriactomy. 1801 01:37:48.680 --> 01:37:53.359 For could get the infection out? Had they had to 1802 01:37:53.399 --> 01:37:53.960 clean my mouse? 1803 01:37:54.119 --> 01:37:56.720 So the fluid? Was it the fluid that wasn't see? 1804 01:37:56.760 --> 01:37:58.800 I don't know anything. I'm asking Was it. 1805 01:37:58.880 --> 01:37:59.760 The fluid that was it? 1806 01:38:00.800 --> 01:38:00.960 Yeah? 1807 01:38:01.039 --> 01:38:03.399 They had to go in and cut my eye open 1808 01:38:03.439 --> 01:38:05.840 again and go back in there. He took like this 1809 01:38:06.000 --> 01:38:07.840 little you know, I was away through the whole thing, 1810 01:38:08.920 --> 01:38:10.359 and so. 1811 01:38:10.520 --> 01:38:13.479 They had to clean out. Basically, basically they had to 1812 01:38:13.560 --> 01:38:14.279 clean out. 1813 01:38:14.479 --> 01:38:18.680 The vitreous gel and fluid on the inside of your 1814 01:38:18.840 --> 01:38:22.359 eyeball to get rid of the infection. 1815 01:38:23.399 --> 01:38:23.800 Correct. 1816 01:38:24.760 --> 01:38:27.359 Wow, but here's what I need to know. If it 1817 01:38:27.479 --> 01:38:31.079 was on the inside of the eyeball, did they say 1818 01:38:31.199 --> 01:38:33.199 what exactly was infected? 1819 01:38:35.920 --> 01:38:35.960 No? 1820 01:38:38.439 --> 01:38:40.359 May I ask who your surgeon was? 1821 01:38:41.960 --> 01:38:43.000 Where at Kaiser? 1822 01:38:44.239 --> 01:38:44.479 Yeah? 1823 01:38:44.600 --> 01:38:44.640 No? 1824 01:38:47.039 --> 01:38:47.239 Yeah? 1825 01:38:48.560 --> 01:38:50.199 Uh doctor Lee? 1826 01:38:52.960 --> 01:38:56.279 Okay, I want to talk to you more. Hang on, 1827 01:38:56.479 --> 01:38:58.960 did you know there's something going on? We got to 1828 01:38:58.960 --> 01:39:07.039 figure it out. I'm Tom Martine. Go with a sure 1829 01:39:07.159 --> 01:39:10.079 thing Denver's Best roofer Excel roofing dot com. 1830 01:39:10.279 --> 01:39:12.279 You don't pay a cent until you're content. 1831 01:39:15.680 --> 01:39:18.840 Time for an insurance check up free, no obligation comparison 1832 01:39:19.000 --> 01:39:22.520 call Compass Insurance paying too much your coverage at dozens 1833 01:39:22.560 --> 01:39:25.279 of insurance companies find out now three oh three seven 1834 01:39:25.399 --> 01:39:28.199 seven to one help. You'll think you're his only customer 1835 01:39:28.239 --> 01:39:30.439 when you choose Frank durand the real estate man dot 1836 01:39:30.520 --> 01:39:33.840 com to list your home with Remax Alliance three oh 1837 01:39:33.880 --> 01:39:35.800 three nine two zero sixteen twenty two. 1838 01:39:36.720 --> 01:39:42.039 Yeah, ripped. 1839 01:39:43.720 --> 01:39:49.520 News. You needed that so you don't have to run 1840 01:39:49.680 --> 01:39:54.159 incousta as a cam shooter's gonna help. 1841 01:39:54.199 --> 01:40:02.800 Come SX is the Troubleshooter show. No Tom Mark, Hey, I'm. 1842 01:40:02.720 --> 01:40:07.159 Tom Martino, your troubleshooter three zero three seven to one 1843 01:40:07.279 --> 01:40:09.600 three talk seven one three eight two five five. Okay. 1844 01:40:09.640 --> 01:40:12.159 Bottom line, let's get right to this and get through it. 1845 01:40:12.680 --> 01:40:14.720 It's a good topic. It's a topic that comes up 1846 01:40:14.720 --> 01:40:21.840 a lot. You have to have substantial damages for it 1847 01:40:22.039 --> 01:40:26.960 to matter. For malpractice, it really is. Malpractice is not 1848 01:40:28.600 --> 01:40:32.880 for anybody that has minor damages. Really, I mean it, 1849 01:40:32.920 --> 01:40:35.600 it's gone to a point where you can suffer a 1850 01:40:35.640 --> 01:40:39.640 lot and not get malpractice. Now that doesn't mean it's 1851 01:40:39.720 --> 01:40:42.920 not important. You might want to report things sometimes, but 1852 01:40:43.439 --> 01:40:44.239 I will tell you this. 1853 01:40:44.479 --> 01:40:45.319 I looked it up. 1854 01:40:46.840 --> 01:40:51.840 And on a disclaimer for almost every surgery, including Clear 1855 01:40:51.960 --> 01:40:57.319 Lens Exchange, there is an exception or a disclaimer for 1856 01:40:57.479 --> 01:41:01.319 infections as a risk. And I will tell you this, Jeff. 1857 01:41:01.920 --> 01:41:04.960 They give very specific instructions. I remember when I had 1858 01:41:05.000 --> 01:41:07.960 my Clear Lens Exchange on how to care for your 1859 01:41:08.039 --> 01:41:13.479 eyes after surgery and the washes and stuff and the 1860 01:41:13.640 --> 01:41:15.359 drops and the antibiotic drops. 1861 01:41:16.000 --> 01:41:18.319 And it is very very. 1862 01:41:18.840 --> 01:41:22.359 Likely to get an infection if you don't take impeccable. 1863 01:41:21.880 --> 01:41:24.079 Care of your eyes. I'm not blaming you. 1864 01:41:24.800 --> 01:41:28.279 I am just saying it's going to be probably next 1865 01:41:28.319 --> 01:41:32.600 two impossible to blame them for the infection. Was it 1866 01:41:32.840 --> 01:41:37.039 as a result of surgery? Absolutely? Probably, I mean I'll 1867 01:41:37.119 --> 01:41:40.199 just say yes. I mean, there's no coincidence, but it 1868 01:41:40.279 --> 01:41:44.000 could be the way your aftercare, because the aftercare is 1869 01:41:44.119 --> 01:41:44.720 entrusted to you. 1870 01:41:45.800 --> 01:41:48.000 But I want to know this. Here's a couple of 1871 01:41:48.039 --> 01:41:51.359 things I want to know, Jeff. What do you want? 1872 01:41:51.680 --> 01:41:53.880 Basically you called what do you want? 1873 01:41:54.399 --> 01:41:56.840 I'm more or less one of to buyer. Beware of 1874 01:41:57.239 --> 01:41:57.960 icon lays it. 1875 01:42:00.239 --> 01:42:01.359 Do you think that's fair? 1876 01:42:02.560 --> 01:42:02.760 Yes? 1877 01:42:02.840 --> 01:42:03.039 I do. 1878 01:42:04.560 --> 01:42:04.600 No. 1879 01:42:04.720 --> 01:42:07.560 No, hold on, hold on because you because you. 1880 01:42:07.680 --> 01:42:12.000 Got an infection in your eye following surgery that could 1881 01:42:12.079 --> 01:42:14.079 have been due to a lack of care. 1882 01:42:15.600 --> 01:42:19.159 Why do you feel I'm no buyer. Beware should be 1883 01:42:19.239 --> 01:42:21.000 for everyone, by the way, so I don't mind that. 1884 01:42:21.720 --> 01:42:23.720 Tell me what you think they did wrong. 1885 01:42:25.960 --> 01:42:28.960 By not responding to me when I had a problem. 1886 01:42:29.920 --> 01:42:31.800 Well, okay, that would be bad. What do you mean 1887 01:42:31.880 --> 01:42:34.680 by not responding? What do you mean by not responding? 1888 01:42:34.800 --> 01:42:36.680 I asked for the doctor to call me back when 1889 01:42:36.720 --> 01:42:38.399 I had an issue with my eye. I never did 1890 01:42:38.439 --> 01:42:40.039 get a call back from icon Ikere. 1891 01:42:41.560 --> 01:42:44.159 Now that, that to me is unacceptable. 1892 01:42:44.239 --> 01:42:47.279 If you have surgery done at a place, those people 1893 01:42:47.359 --> 01:42:49.000 should be very attentive. 1894 01:42:49.079 --> 01:42:52.560 Dollars have your eyes done, you at least, you know, 1895 01:42:52.880 --> 01:42:54.159 get a callback from them. 1896 01:42:55.199 --> 01:42:57.920 It's such they didn't contact you like that. But I 1897 01:42:58.039 --> 01:42:58.880 doubt you have a case. 1898 01:42:59.000 --> 01:43:02.239 Man, I didn't call for that. 1899 01:43:02.760 --> 01:43:04.920 Well, you do have a case for letting people know. 1900 01:43:05.520 --> 01:43:08.119 I hope you posted appropriate reviews online. 1901 01:43:09.359 --> 01:43:12.399 Well, what happened is I did get a callback from 1902 01:43:12.439 --> 01:43:15.920 a doctor Severson at age fifteen on a Wednesday evening 1903 01:43:16.600 --> 01:43:19.079 and told him what had happened to me. And you 1904 01:43:19.159 --> 01:43:21.359 know what he said. He says, you could go blind 1905 01:43:21.880 --> 01:43:25.800 you'll probably never see twenty twenty vision again. That was 1906 01:43:25.880 --> 01:43:27.760 his comment when I first talked to him on a 1907 01:43:27.800 --> 01:43:28.560 Wednesday evening. 1908 01:43:28.760 --> 01:43:31.960 You know, if that's true, you would have major damages. 1909 01:43:32.079 --> 01:43:34.720 I mean, really if you if you could never see 1910 01:43:34.840 --> 01:43:38.439 properly again, you could have a case, Jeff. 1911 01:43:38.600 --> 01:43:39.520 But that was a comment. 1912 01:43:39.520 --> 01:43:39.720 Mark. 1913 01:43:40.800 --> 01:43:43.720 Guys, will you wait a second, Please let me bring 1914 01:43:43.800 --> 01:43:47.640 the main point up. Mark, and infection is an automatic 1915 01:43:47.800 --> 01:43:48.800 side effect. 1916 01:43:50.239 --> 01:43:53.880 It, So tell me. Unless they caused the infection, Mark, 1917 01:43:54.119 --> 01:43:57.319 why would they be responsible for his aftercare. I would 1918 01:43:57.399 --> 01:44:02.319 have no idea. I would have no idea. Now I 1919 01:44:02.520 --> 01:44:03.159 do agree. 1920 01:44:04.199 --> 01:44:06.960 I do agree that he went in there and it 1921 01:44:07.079 --> 01:44:09.439 was pretty obviously infected, and. 1922 01:44:09.520 --> 01:44:12.239 They didn't I mean, did they tell you, Jeff, make 1923 01:44:12.279 --> 01:44:12.600 sure you. 1924 01:44:12.680 --> 01:44:16.560 Take your antibiotic drops it looks infected or anything. 1925 01:44:17.079 --> 01:44:19.720 I no, No, I went to the follow up. There 1926 01:44:19.760 --> 01:44:21.720 was no question about that. The only question that they 1927 01:44:21.800 --> 01:44:24.199 had when I went back for my follow up was 1928 01:44:24.239 --> 01:44:25.600 my pressure in my right eye. 1929 01:44:26.039 --> 01:44:28.560 I'd ask for little I bet, I bet liddle Off 1930 01:44:28.640 --> 01:44:30.800 still there. He's a good guy. You know what I 1931 01:44:30.960 --> 01:44:33.880 remember about him. He's got l packs man. He is 1932 01:44:34.000 --> 01:44:35.039 a great guy. 1933 01:44:36.359 --> 01:44:38.720 Hey, Jeff, I want to ask you something just really 1934 01:44:38.840 --> 01:44:41.640 quick answers. When you went back for your follow up, 1935 01:44:41.680 --> 01:44:46.000 you weren't having an issue at the time, right, No, Now, 1936 01:44:46.560 --> 01:44:48.039 how was the pressure in your eye? 1937 01:44:49.800 --> 01:44:51.720 The pressure the pressure is good? 1938 01:44:51.840 --> 01:44:54.840 Now, No, how was it when you went for your 1939 01:44:54.880 --> 01:44:55.319 follow up? 1940 01:44:56.079 --> 01:45:00.119 It was it was like twenty three or something for 1941 01:45:00.520 --> 01:45:01.520 I don't know what that means. 1942 01:45:01.640 --> 01:45:02.479 I don't know what that means. 1943 01:45:03.439 --> 01:45:04.680 The pressure was high, okay? 1944 01:45:05.479 --> 01:45:08.319 What did they recommend when they did your pressure and 1945 01:45:08.399 --> 01:45:10.680 it was high to do drops? 1946 01:45:11.960 --> 01:45:15.079 Okay? Then then when was your very next problem? 1947 01:45:17.119 --> 01:45:21.319 The very next problem was the day I was supposed 1948 01:45:21.319 --> 01:45:23.680 to go back and get it checked to make sure 1949 01:45:23.720 --> 01:45:27.279 the pressure going down after the drop I developed, And. 1950 01:45:27.359 --> 01:45:27.800 What was that? 1951 01:45:29.560 --> 01:45:31.960 Okay? And then what did they say about the blurry 1952 01:45:32.039 --> 01:45:32.479 and all of that. 1953 01:45:33.600 --> 01:45:37.640 Well, they said that you probably got some jel okay. 1954 01:45:38.159 --> 01:45:41.439 Then then why then, when when do you think the 1955 01:45:41.560 --> 01:45:42.600 infection started? 1956 01:45:44.840 --> 01:45:48.079 Well, the only way the infection could start was was 1957 01:45:48.359 --> 01:45:50.079 the only way I could have got the infection was 1958 01:45:50.119 --> 01:45:53.039 from the surgery, is what the retino specialist is telling me. 1959 01:45:53.640 --> 01:45:56.359 Jeff, Jeff, you're not listening to me. 1960 01:45:56.439 --> 01:45:56.600 Man. 1961 01:45:57.439 --> 01:46:03.039 Every single every single surgery, every single surgery can cause 1962 01:46:03.039 --> 01:46:06.960 an infection. But it's not the fault of the surgery. 1963 01:46:07.680 --> 01:46:13.720 It's the aftercare, the actual I'm just telling you truly infection. 1964 01:46:14.279 --> 01:46:16.920 When you say it was caused by the surgery, of 1965 01:46:17.239 --> 01:46:21.800 course it was. But that doesn't mean that everyone who 1966 01:46:22.000 --> 01:46:27.279 has a surgery gets an infection. So why did you 1967 01:46:27.479 --> 01:46:32.760 get an infection? The answer most of the time is 1968 01:46:33.359 --> 01:46:39.279 post surgery. That's why whenever you have surgery, they watch 1969 01:46:39.359 --> 01:46:41.399 you like a dog and tell you make sure you 1970 01:46:41.520 --> 01:46:43.079 keep it clean, make sure you don't do this, make 1971 01:46:43.119 --> 01:46:45.239 sure you don't do that, make sure you do your. 1972 01:46:45.199 --> 01:46:47.079 Drops, or make sure you do your sab or make 1973 01:46:47.119 --> 01:46:49.560 sure you take your pills. Whatever. I don't know what 1974 01:46:49.680 --> 01:46:54.600 your situation was. Do you understand? Cause is not malpractice. 1975 01:46:55.319 --> 01:47:04.520 What's malpractice is unusual results and after care neglect, literally neglect. 1976 01:47:04.960 --> 01:47:07.680 So so I don't think, as Mark said, you have 1977 01:47:07.760 --> 01:47:10.079 a case. I don't think you have anything. What you 1978 01:47:10.319 --> 01:47:14.359 are and you should be. You're pissed off because these 1979 01:47:14.479 --> 01:47:17.640 people were not attentive to you, and I agree with 1980 01:47:17.800 --> 01:47:21.279 you wholeheartedly. They if everything you're telling me is true, 1981 01:47:21.760 --> 01:47:25.159 they were not attentive and they should have been more attentive. 1982 01:47:25.000 --> 01:47:29.199 Because even if infection was as a result of a 1983 01:47:29.319 --> 01:47:32.439 lack of your own aftercare. They should have been all 1984 01:47:32.600 --> 01:47:33.000 over it. 1985 01:47:33.720 --> 01:47:37.079 Okay, I'm just saying beware then, because the doctors are 1986 01:47:37.119 --> 01:47:39.880 all contracted. This place is owned by a company back 1987 01:47:39.920 --> 01:47:42.720 in Ohio, and they contracted doctors for this. 1988 01:47:42.840 --> 01:47:43.000 Yeah. 1989 01:47:43.079 --> 01:47:45.800 It's so funny how you're trying to make contracted doctors 1990 01:47:45.880 --> 01:47:49.279 sound bad, because ninety eight percent of all clinics have 1991 01:47:49.399 --> 01:47:50.399 contracted doctors. 1992 01:47:50.439 --> 01:47:54.399 But go ahead, because the clinic personnel is part of 1993 01:47:54.520 --> 01:47:57.680 the is part of the eye doctor company, and the 1994 01:47:57.760 --> 01:48:00.800 doctors are contracted. That's what the doctor told me. He says, 1995 01:48:00.840 --> 01:48:01.520 we don't get there. 1996 01:48:01.680 --> 01:48:06.079 What difference does that make? I don't know what did 1997 01:48:06.159 --> 01:48:09.960 the business structure? No, no, Jeff, listen. What you're doing 1998 01:48:10.119 --> 01:48:11.239 is what I call listen. 1999 01:48:11.399 --> 01:48:19.800 It's very common, accumulating injustices or accumulating just detractors. 2000 01:48:20.199 --> 01:48:22.880 But they don't mean anything. And I'll bet you he 2001 01:48:22.960 --> 01:48:26.720 had dirty shoes. I mean who they drive chevies. I 2002 01:48:26.800 --> 01:48:28.920 don't know. You could find a lot of things, but 2003 01:48:29.079 --> 01:48:31.800 the fact that their contractors have nothing to do with it. 2004 01:48:32.159 --> 01:48:34.960 If you're going to give a review about Icon, it's 2005 01:48:35.159 --> 01:48:38.199 very simple. Watch out for Icon. I care. 2006 01:48:38.359 --> 01:48:41.239 I had surgery there, and I don't think the surgeons 2007 01:48:41.319 --> 01:48:46.079 could have cared less when I contacted them about possible complications. 2008 01:48:46.560 --> 01:48:50.520 I was feeling I discomfort, I developed an infection, and 2009 01:48:50.640 --> 01:48:52.960 they should have caught it sooner and sent me to 2010 01:48:53.079 --> 01:48:53.760 a specialist. 2011 01:48:54.720 --> 01:48:55.640 What do I care? 2012 01:48:55.760 --> 01:49:01.520 That the doctors are contracted humers, sometimes getting their own 2013 01:49:01.600 --> 01:49:04.800 frickin' way when they want to make some kind of 2014 01:49:04.840 --> 01:49:08.359 a complaint and they start sounding like nuts because they 2015 01:49:08.640 --> 01:49:13.680 don't confine themselves to the issues. Okay, so you start out, 2016 01:49:14.319 --> 01:49:17.680 I'm extracting from you some pretty strong issues. I think 2017 01:49:17.760 --> 01:49:19.920 there was a lack of follow up, and I think 2018 01:49:20.399 --> 01:49:24.000 that probably so many of them go so smoothly they're 2019 01:49:24.039 --> 01:49:25.600 probably resting on their laurels. 2020 01:49:25.800 --> 01:49:31.560 I believe that. I believe that, you know, Jeff. Do 2021 01:49:31.600 --> 01:49:32.479 you know why I know that. 2022 01:49:36.680 --> 01:49:42.359 Because I know someone else that had complications worse than yours, 2023 01:49:46.920 --> 01:49:50.279 and I don't feel they were as attentive as they 2024 01:49:50.319 --> 01:49:50.960 should have been. 2025 01:49:54.359 --> 01:49:59.680 So and by the way, in my opinion, that person 2026 01:50:00.119 --> 01:50:07.760 had a clear cut malpractice case that they did not pursue. 2027 01:50:10.520 --> 01:50:15.800 Okay, so that's why I believe you probably have an issue. 2028 01:50:16.000 --> 01:50:17.840 But I don't think you can do I don't think 2029 01:50:17.840 --> 01:50:21.399 you have any money coming or anything like that. However, 2030 01:50:21.880 --> 01:50:26.960 I was shocked at the price you told me. Did 2031 01:50:27.079 --> 01:50:30.119 each I cost you six grand or seven thousand dollars 2032 01:50:30.199 --> 01:50:31.439 four dollars? 2033 01:50:31.640 --> 01:50:31.840 Yeah? 2034 01:50:33.159 --> 01:50:35.680 I know. I mean and by the. 2035 01:50:35.680 --> 01:50:37.600 Way, people say, hey, you didn't pay for your tom 2036 01:50:38.039 --> 01:50:42.119 Well I did pay, and I might have gotten a discount, 2037 01:50:42.479 --> 01:50:46.000 but even full retail, I don't remember being that much money. 2038 01:50:46.399 --> 01:50:48.359 So right now, if someone comes in off the street, 2039 01:50:48.760 --> 01:50:51.239 are you telling me for a clear lens exchange? It's 2040 01:50:51.359 --> 01:50:52.880 seven thousand. 2041 01:50:52.520 --> 01:50:55.199 Dollars, seven thousand dollars a nine. 2042 01:50:57.119 --> 01:50:59.119 Geez wow? 2043 01:51:00.479 --> 01:51:03.600 Yeah, and what do they call it? 2044 01:51:03.720 --> 01:51:05.840 Do they still call it a clear lens exchange? 2045 01:51:06.359 --> 01:51:07.479 Clear lens exchange? 2046 01:51:08.840 --> 01:51:08.880 No? 2047 01:51:09.000 --> 01:51:11.600 I remember you were very happy with what you had done. 2048 01:51:11.680 --> 01:51:15.199 So that's why I want to see. Yeah, absolutely, absolutely 2049 01:51:15.279 --> 01:51:16.600 to the point that they were at. 2050 01:51:16.760 --> 01:51:19.760 So but but let me ask you the this part. 2051 01:51:20.000 --> 01:51:20.479 Can you see? 2052 01:51:20.560 --> 01:51:24.479 Well, yeah, but my right eye is still I still 2053 01:51:24.520 --> 01:51:27.439 have floaters and still have a blurry vision. 2054 01:51:27.520 --> 01:51:28.920 What are they going to do about that one? 2055 01:51:28.960 --> 01:51:29.079 Bro? 2056 01:51:29.239 --> 01:51:30.239 What are they going to do about it? 2057 01:51:30.319 --> 01:51:32.880 I'm still They're still being monitored by Kaiser. 2058 01:51:33.079 --> 01:51:36.399 So well you wait, wait, if you had a bitch 2059 01:51:36.439 --> 01:51:38.640 react to me? Done and they sucked out all the fluid, 2060 01:51:38.680 --> 01:51:39.840 you shouldn't have any floaters. 2061 01:51:40.920 --> 01:51:42.279 Yeah, but they can't get it all out. 2062 01:51:43.720 --> 01:51:47.760 Of course they can. But of course they can. Well, 2063 01:51:49.520 --> 01:51:51.600 why can't they get it all out? They take the 2064 01:51:51.720 --> 01:51:52.279 fluid out. 2065 01:51:52.439 --> 01:51:54.800 When it's out, it's out, They take the fluid out. 2066 01:51:54.840 --> 01:51:57.520 But I mean all the little floaters that. 2067 01:51:57.520 --> 01:52:00.520 Are in there are in the fluid. 2068 01:52:02.319 --> 01:52:06.640 Yeah, you know they can't. Okay, well they can't. What 2069 01:52:07.000 --> 01:52:09.399 I really trust this guy so well? 2070 01:52:09.640 --> 01:52:10.199 I do too. 2071 01:52:10.439 --> 01:52:12.920 I mean, they obviously know more than me, and maybe 2072 01:52:12.960 --> 01:52:19.439 I had just a lucky circumstance where but man, did 2073 01:52:19.520 --> 01:52:21.840 they tell you that, they actually tell you we'll never 2074 01:52:21.920 --> 01:52:23.000 get all the floaters out. 2075 01:52:25.119 --> 01:52:27.119 I don't know that. They don't know that. 2076 01:52:27.560 --> 01:52:30.479 Why don't you ask them? Tell them you're still having 2077 01:52:30.560 --> 01:52:33.720 freaking floaters in an eye? They didn't bit directed me on. 2078 01:52:34.600 --> 01:52:37.000 They're still monitoring it. They don't know what they have 2079 01:52:37.119 --> 01:52:42.239 to do yet as far as uh to cure it, 2080 01:52:42.479 --> 01:52:45.720 or it may even be in the lens might be 2081 01:52:45.840 --> 01:52:47.680 the issue. There's all kinds of different things. 2082 01:52:48.399 --> 01:52:50.640 Well, if you have a floater in the lens that 2083 01:52:50.720 --> 01:52:56.079 doesn't move, does your floater move? 2084 01:52:56.319 --> 01:52:59.159 But he's saying there may be some I don't know. 2085 01:52:59.239 --> 01:53:02.119 He's the so of course. 2086 01:53:02.960 --> 01:53:06.560 Okay, did you ask him? Did you ask him if 2087 01:53:06.600 --> 01:53:09.199 that I will ever clear up and give you good vision? 2088 01:53:10.560 --> 01:53:15.079 It could? Yeah, he said it very well. Okay, Yeah, I. 2089 01:53:15.159 --> 01:53:16.359 Might post my eye out. 2090 01:53:17.199 --> 01:53:21.520 Ye bye, I'm gonna. I want you to call us 2091 01:53:21.600 --> 01:53:26.119 back in a month. I'm serious, Jeff. Okay, will you 2092 01:53:26.239 --> 01:53:27.720 call us back and let us know how it goes. 2093 01:53:27.840 --> 01:53:30.359 I'm really interested. Three h three seven one three eight 2094 01:53:30.439 --> 01:53:32.680 or five? I listened, Mark, You know what, people have 2095 01:53:32.800 --> 01:53:36.039 issues like this. It's pretty serious. Go poke your freaking eyes. 2096 01:53:36.039 --> 01:53:41.039 It's he has been on for an hour. Oh stop, 2097 01:53:41.199 --> 01:53:43.720 I mean on and off one hour. Mark. 2098 01:53:44.520 --> 01:53:47.319 First of all, Mark, we we can address criticism of 2099 01:53:47.359 --> 01:53:49.119 the show, maybe in a better forum. 2100 01:53:49.359 --> 01:53:51.920 But but I agree with you. It was I agree 2101 01:53:51.920 --> 01:53:52.079 with you. 2102 01:53:53.279 --> 01:53:53.600 I did. 2103 01:53:53.880 --> 01:53:56.720 It was overdone a little. But I'll tell you why 2104 01:53:56.880 --> 01:54:01.479 it's a little. I know that there are many issues. Okay. 2105 01:54:01.920 --> 01:54:04.720 One of the issues is the actual eye care. 2106 01:54:04.880 --> 01:54:08.119 The other issue is malpractice in general, and then and 2107 01:54:08.199 --> 01:54:09.960 then personal responsibility and all that. 2108 01:54:10.159 --> 01:54:12.439 I get what you're saying, No, I really do. But 2109 01:54:12.720 --> 01:54:14.760 I think that when consumer. 2110 01:54:14.399 --> 01:54:17.079 Issues are complicated and have a lot of different issues 2111 01:54:17.159 --> 01:54:21.359 that they affect, it goes beyond the actual that one case. 2112 01:54:21.720 --> 01:54:23.960 We have more coming up, and then we're gonna spend 2113 01:54:24.319 --> 01:54:34.960 another hour on drywall. Right after this, go with a 2114 01:54:35.079 --> 01:54:38.359 sure thing Denver's best roofer Excel Roofing dot com. 2115 01:54:38.520 --> 01:54:40.560 You don't pay a cent until you're content. 2116 01:54:43.920 --> 01:54:47.479 Time for an insurance checkup free, no obligation comparison call 2117 01:54:47.600 --> 01:54:50.880 Compass Insurance. Pay too much your coverage at dozens of 2118 01:54:50.920 --> 01:54:53.600 insurance companies find out now three oh three, seven to 2119 01:54:53.640 --> 01:54:54.119 seven to one. 2120 01:54:54.239 --> 01:54:54.479 Help. 2121 01:54:54.680 --> 01:54:57.319 You'll think you're his only customer when you choose Frank 2122 01:54:57.399 --> 01:54:59.720 durand the real estate Man dot com to list your 2123 01:54:59.800 --> 01:55:02.960 home with Remax Alliance three oh three nine two zero 2124 01:55:03.119 --> 01:55:04.039 sixteen twenty two. 2125 01:55:05.279 --> 01:55:08.399 Hey Tom Martino here, Welcome to the show. 2126 01:55:08.520 --> 01:55:10.640 Three O three seven one three talk seven one three 2127 01:55:10.640 --> 01:55:13.960 eight two five five. All right, now for the remainder 2128 01:55:14.000 --> 01:55:16.399 of the show, we'll talk about drywall. Just kidding, but 2129 01:55:16.560 --> 01:55:21.000 Cindy does have a question on drywall, and Cindy, what's. 2130 01:55:20.880 --> 01:55:21.520 Going on with you? 2131 01:55:24.760 --> 01:55:25.000 Thank you. 2132 01:55:25.119 --> 01:55:30.000 I've got a master bathroom that has been linking into 2133 01:55:30.520 --> 01:55:32.960 ceiling into the family room below for years, and it 2134 01:55:32.960 --> 01:55:36.359 would go be off and on, so I'd be concerned 2135 01:55:36.359 --> 01:55:38.000 about it, and then it would dry up. So now 2136 01:55:38.720 --> 01:55:42.800 we removed the toilet and we found out whoever put 2137 01:55:42.840 --> 01:55:45.079 that toilet it in didn't put a wax bring in 2138 01:55:45.920 --> 01:55:48.960 or no, oh my goodness, no, I'm sorry, had a 2139 01:55:49.000 --> 01:55:50.560 wax ring that could be devastating. 2140 01:55:51.359 --> 01:55:55.560 No flange, no flange, what does that mean? 2141 01:55:56.560 --> 01:55:57.000 That's fair. 2142 01:55:57.079 --> 01:55:59.600 That means that flange that goes into the floor wasn't 2143 01:55:59.640 --> 01:56:04.640 there that that receives it. So listen, Cindy, it leaked 2144 01:56:04.680 --> 01:56:06.119 into your lower family room. 2145 01:56:07.439 --> 01:56:10.720 Well, I just have a line, a straight line. So 2146 01:56:10.840 --> 01:56:13.079 we cut like six by six square out to look 2147 01:56:13.159 --> 01:56:13.399 up there. 2148 01:56:13.720 --> 01:56:16.600 Yeah, but what did it? I need to know the damages. 2149 01:56:17.000 --> 01:56:19.760 You had damages in the bathroom or underneath on the 2150 01:56:19.800 --> 01:56:20.640 first floor. 2151 01:56:21.279 --> 01:56:25.520 The bathroom, it was wet behind the toilet a lot. 2152 01:56:26.039 --> 01:56:28.479 So I was renting the house out and I didn't 2153 01:56:28.520 --> 01:56:31.079 know what was going on, but it was where was 2154 01:56:31.119 --> 01:56:32.079 the main damage? 2155 01:56:32.479 --> 01:56:33.720 Where was the main damage? 2156 01:56:35.880 --> 01:56:38.920 Really, it's just the ceiling in the family room below 2157 01:56:39.640 --> 01:56:40.399 that was damaged. 2158 01:56:40.399 --> 01:56:42.159 Okay, so keep going. 2159 01:56:43.079 --> 01:56:45.640 It's not even an insurance thing. I'm just going to 2160 01:56:45.720 --> 01:56:48.880 put a flangeine there. I had somebody look at it 2161 01:56:49.560 --> 01:56:51.880 and he cut the ceiling out. We're looking up there 2162 01:56:51.960 --> 01:56:53.960 for mold and I don't know if I should go 2163 01:56:54.079 --> 01:56:56.359 to Low's and get up home people get a mold 2164 01:56:57.119 --> 01:57:00.880 cast or spray with vinegar and then just cut. 2165 01:57:00.960 --> 01:57:05.319 Do you know Genesis Genesis Total Exteriors. The reason I 2166 01:57:05.479 --> 01:57:08.600 ask I talk about Genesis they can do a mold 2167 01:57:08.680 --> 01:57:13.439 test for you and they have the expertise without ripping 2168 01:57:13.520 --> 01:57:17.000 you off or exaggerating on getting rid of it or 2169 01:57:17.119 --> 01:57:20.199 replacing that ceiling if you need the whole ceiling replaced, 2170 01:57:20.399 --> 01:57:24.039 because they do baths as well, and they do kitchens 2171 01:57:24.079 --> 01:57:27.239 and they do exteriors on the house. Now, that's what 2172 01:57:27.239 --> 01:57:29.760 I'm saying, if you really want it done well, I 2173 01:57:29.800 --> 01:57:32.920 don't mean getting the work necessarily done, but at least 2174 01:57:32.960 --> 01:57:38.640 getting honesty about the mold, because so many people rip 2175 01:57:38.800 --> 01:57:41.840 off people when it comes to mold. So if you're interested, 2176 01:57:41.920 --> 01:57:44.920 I just want to tell you Genesis Total Exteriors will 2177 01:57:45.119 --> 01:57:47.640 will help you with the mold part and then rebuilding 2178 01:57:47.680 --> 01:57:49.680 if you need at three zho three six seven nine 2179 01:57:50.560 --> 01:57:53.039 eight five zero nine Genesis now listen. 2180 01:57:53.479 --> 01:57:55.119 In addition to that, though, I want to know what 2181 01:57:55.199 --> 01:57:56.359 are you mainly calling about? 2182 01:57:56.399 --> 01:57:56.560 Now? 2183 01:57:58.399 --> 01:58:00.279 What am I calling about? Now? I don't know if 2184 01:58:00.279 --> 01:58:02.359 I need to rip more than six by six inches 2185 01:58:02.399 --> 01:58:06.760 out of that ceiling and look farther into the ceiling. 2186 01:58:06.560 --> 01:58:09.880 Than just Okay, that's what Genesis, Mark Schamansky and his 2187 01:58:10.079 --> 01:58:12.039 team see, Cindy. 2188 01:58:12.239 --> 01:58:16.159 I would be so hesitant to have you call a 2189 01:58:16.319 --> 01:58:18.479 so called restoration. 2190 01:58:18.119 --> 01:58:23.079 Company or someone who says water damages or just a contractor, 2191 01:58:23.479 --> 01:58:27.600 because so many times when they see water and they 2192 01:58:27.680 --> 01:58:31.520 hear a homeowner who has concerns about mold, they see 2193 01:58:31.640 --> 01:58:35.199 dollar signs because they can scare the hell out of 2194 01:58:35.239 --> 01:58:37.600 you and say, oh, Cindy, you're gonna have to tear 2195 01:58:37.680 --> 01:58:38.279 all this out. 2196 01:58:38.319 --> 01:58:40.199 You're gonna have to take the floor out, You're gonna 2197 01:58:40.199 --> 01:58:40.560 have to do this. 2198 01:58:41.079 --> 01:58:41.279 See. 2199 01:58:41.600 --> 01:58:43.479 That's where Mark will not do that to you. 2200 01:58:44.199 --> 01:58:48.840 That's why I'm confident about Genesis in this particular case. 2201 01:58:50.399 --> 01:58:53.239 Okay, sounds good, because I think a drafted to tear 2202 01:58:53.359 --> 01:58:56.239 that the tile floor out in the master bathroom and 2203 01:58:56.279 --> 01:58:57.880 look at all of the braces on there. 2204 01:58:59.199 --> 01:59:02.600 Say he has ways of looking in there and doing tests, 2205 01:59:03.199 --> 01:59:06.640 and I doubt you'll have to do that now if 2206 01:59:06.680 --> 01:59:09.319 you do, though, and he tells you that he's a 2207 01:59:09.439 --> 01:59:12.279 pretty honest not pretty he's an honest man. I mean, 2208 01:59:12.319 --> 01:59:14.680 I've known the man for thirty years and one thing, 2209 01:59:15.199 --> 01:59:18.199 I'm just so afraid because you're in an exact position 2210 01:59:19.000 --> 01:59:22.279 to get ripped off. These are the kinds of homeowners 2211 01:59:22.319 --> 01:59:23.800 people love when they don't know. 2212 01:59:23.960 --> 01:59:25.199 It's the great unknown. 2213 01:59:25.680 --> 01:59:28.399 Because Cindy, if somebody came in there and they had 2214 01:59:28.439 --> 01:59:31.760 a good pitch, they could say, well, Cindy, we're gonna 2215 01:59:31.760 --> 01:59:34.119 have to pull up this whole floor and we're gonna 2216 01:59:34.159 --> 01:59:39.159 have to do the whole ceiling downstairs, you'd probably think, well, okay, right, 2217 01:59:40.319 --> 01:59:43.359 So first I wouldn't bother what's that? 2218 01:59:44.359 --> 01:59:46.239 That was my first thought, I'm gonna have to rip 2219 01:59:46.279 --> 01:59:48.000 everything apart and see what's going on. 2220 01:59:48.600 --> 01:59:50.079 You're right, and you may not have to. 2221 01:59:50.199 --> 01:59:54.960 And in fact, Genesis also has ways of making strategic 2222 01:59:55.279 --> 01:59:59.640 openings for drying it out. You see the truth about 2223 01:59:59.760 --> 02:00:03.159 mo First and foremost mold is not good, but not 2224 02:00:03.319 --> 02:00:06.640 all of it is toxic. Now it's not all great, 2225 02:00:06.760 --> 02:00:09.239 but it's not all really seriously toxic. 2226 02:00:09.920 --> 02:00:11.119 But you still don't want it. 2227 02:00:11.600 --> 02:00:14.520 But the truth about mold is this, once you dry 2228 02:00:14.640 --> 02:00:19.079 up the food source, you are fine to go. 2229 02:00:19.840 --> 02:00:24.359 And the food source would be water or some organic material. 2230 02:00:24.680 --> 02:00:26.880 Once you clean that up, then all you have to 2231 02:00:26.960 --> 02:00:31.479 do is encapsulate or remove whatever is there. 2232 02:00:32.399 --> 02:00:33.640 It doesn't recire. 2233 02:00:33.680 --> 02:00:36.359 A lot of people treat it like asbestos, and it 2234 02:00:36.479 --> 02:00:40.760 doesn't have to be unless you had extreme toxic mold, 2235 02:00:41.359 --> 02:00:45.399 and for that you got to remove it. But it's 2236 02:00:45.680 --> 02:00:47.640 you know, ever since Ed McMahon, I don't know if 2237 02:00:47.640 --> 02:00:51.399 you realize this. Ed McMahon was the first major mold 2238 02:00:51.520 --> 02:00:55.000 case in the United States. He was the sidekick for 2239 02:00:55.119 --> 02:00:59.279 Johnny Carson. Who did you know before Jimmy Fallon did. 2240 02:00:59.159 --> 02:00:59.760 The Tonight show? 2241 02:01:00.000 --> 02:01:06.560 Okay, that guy sued his insurance company and was one 2242 02:01:06.800 --> 02:01:10.439 millions and millions of dollars because of a mold case. 2243 02:01:10.760 --> 02:01:12.800 If you really go back and look at his case, 2244 02:01:13.079 --> 02:01:14.439 it wasn't even that strong. 2245 02:01:14.920 --> 02:01:19.119 But ever since then, people used that court precedent to 2246 02:01:19.239 --> 02:01:21.159 get insurance companies to pay for mold. 2247 02:01:21.239 --> 02:01:21.960 Mold, mold, mold. 2248 02:01:22.399 --> 02:01:26.000 Hey, Brian, aren't insurance companies scared to death about mold? 2249 02:01:26.720 --> 02:01:28.920 They are? And I was just it was resonating with 2250 02:01:29.039 --> 02:01:30.800 me as you were talking there, because we deal with 2251 02:01:30.880 --> 02:01:34.880 this so frequently. Where these remediation companies, you gotta be 2252 02:01:35.039 --> 02:01:38.319 so careful because they come in there and if they do, 2253 02:01:38.520 --> 02:01:41.119 they use scare tactics and they won't even they want to, 2254 02:01:42.279 --> 02:01:44.159 and they won't give you a price. That's the weird thing. 2255 02:01:44.199 --> 02:01:45.680 They'll say, you know what, we don't have time to 2256 02:01:45.720 --> 02:01:47.800 get bids. We need to get going on this right now. 2257 02:01:47.960 --> 02:01:50.359 You just sign here. Let's get going. You know, we'll 2258 02:01:50.359 --> 02:01:53.239 build the insurance company and before you know it. I mean, 2259 02:01:53.319 --> 02:01:55.920 you just have these claims that are out of control, 2260 02:01:56.239 --> 02:01:58.119 or if you end up not making the claim, you 2261 02:01:58.199 --> 02:01:59.960 have a bill that is out of control. 2262 02:02:00.079 --> 02:02:00.399 But they do. 2263 02:02:00.520 --> 02:02:03.119 They try to rip everything out and they want to 2264 02:02:03.159 --> 02:02:05.920 cut the drywall up. And I understand if it's a 2265 02:02:05.960 --> 02:02:08.279 big water claim they have to do certain things, but 2266 02:02:08.880 --> 02:02:12.479 it seems like they do that on relatively minoring By 2267 02:02:12.520 --> 02:02:14.680 the way, By the way. 2268 02:02:14.640 --> 02:02:16.560 I gotta take a break. But she mentioned and I 2269 02:02:16.680 --> 02:02:18.960 want to address it. She didn't want to put in 2270 02:02:19.000 --> 02:02:21.359 a homeowners claimer, wasn't going to and I'm not sure. 2271 02:02:21.199 --> 02:02:23.079 If it's apropos or not. We'll talk about that and 2272 02:02:23.199 --> 02:02:23.840 more coming up. 2273 02:02:29.279 --> 02:02:32.560 Go with a sure thing Denver's Best Roofer Excel roofing 2274 02:02:32.640 --> 02:02:35.279 dot com. You don't pay a cent until you're content. 2275 02:02:38.680 --> 02:02:41.840 Time for an insurance checkup free, no obligation. In comparison, 2276 02:02:42.000 --> 02:02:45.520 call Compass Insurance paying too much. Your coverage at dozens 2277 02:02:45.560 --> 02:02:48.279 of insurance companies find out now three O three seven 2278 02:02:48.279 --> 02:02:50.600 to seven to one help. You'll think you're his only 2279 02:02:50.760 --> 02:02:53.159 customer when you choose Frank durand the real estate man 2280 02:02:53.279 --> 02:02:56.640 dot com to list your home with Remax Alliance three 2281 02:02:56.720 --> 02:02:58.800 oh three nine two zero sixteen twenty two. 2282 02:03:04.640 --> 02:03:08.680 Hi Tom Martine, your troubleshooter three oh three seven one 2283 02:03:08.760 --> 02:03:10.720 three talk three h three seven one three. 2284 02:03:11.159 --> 02:03:17.119 Eight two five five. So we basically I think covered 2285 02:03:17.119 --> 02:03:21.239 everything there. Brian on insurance, why. 2286 02:03:22.760 --> 02:03:24.840 Would she not put in an insurance glam Would that 2287 02:03:24.960 --> 02:03:28.399 be considered a casualty loss? If she discovered this and 2288 02:03:28.560 --> 02:03:32.600 somebody had not years ago put in a flange? Cindy, 2289 02:03:32.760 --> 02:03:34.920 how long ago was that toilet installed? 2290 02:03:36.960 --> 02:03:37.479 Ten years? 2291 02:03:39.079 --> 02:03:42.119 So? Did you have it installed? No? 2292 02:03:42.359 --> 02:03:44.880 It was a handyman from nextdoor dot com. 2293 02:03:46.279 --> 02:03:48.399 No, what I mean is were you Did you own 2294 02:03:48.399 --> 02:03:49.199 the house at the time? 2295 02:03:49.720 --> 02:03:49.840 Oh? 2296 02:03:49.960 --> 02:03:50.600 Yes, yes? 2297 02:03:51.840 --> 02:03:53.840 Okay, So, Brian, if. 2298 02:03:53.720 --> 02:03:58.199 You discovered that somebody did something wrong, and I don't 2299 02:03:58.199 --> 02:04:01.720 know if the timeline's important or not, would it ever 2300 02:04:01.840 --> 02:04:03.000 be covered by homeowners? 2301 02:04:03.239 --> 02:04:03.439 Yeah? 2302 02:04:03.520 --> 02:04:05.640 It could be, But see if it happened over that 2303 02:04:05.880 --> 02:04:08.479 long period of time, it would have to fall underneath 2304 02:04:08.520 --> 02:04:12.119 the coverage of seepage, which is, you know, something that 2305 02:04:12.279 --> 02:04:14.840 not all policies cover, so you would have to have 2306 02:04:14.920 --> 02:04:18.560 an extra writer if the company provided it. But even 2307 02:04:18.600 --> 02:04:22.760 with that said, Tom, depending on the total amount of damage, 2308 02:04:23.319 --> 02:04:26.880 I'm very hesitant to give people a recommendation to make 2309 02:04:26.920 --> 02:04:29.920 a water claim. In general, it would have to be 2310 02:04:30.000 --> 02:04:32.239 a pretty big claim for me to give the advice 2311 02:04:32.359 --> 02:04:34.920 to make the claim in the first place, because. 2312 02:04:34.760 --> 02:04:39.800 Water claims considered considered dirty and do they give you cooties? 2313 02:04:40.239 --> 02:04:42.560 As a they do give you cooties. They are they 2314 02:04:42.600 --> 02:04:46.720 are one of the worst losses that you can have 2315 02:04:47.239 --> 02:04:50.159 for insurance, and specifically for the reason of mold. 2316 02:04:50.359 --> 02:04:52.479 I mean that is I know, but why do they 2317 02:04:52.880 --> 02:04:55.479 Why do they look at people askance when they've had 2318 02:04:56.319 --> 02:04:59.359 some water claims. Do they think that they're looking for 2319 02:04:59.600 --> 02:05:00.680 trouble or no? 2320 02:05:00.840 --> 02:05:03.399 No, I really do think it's more along the lines 2321 02:05:03.439 --> 02:05:07.000 of what is the remaining damage that's there? Did it truly? 2322 02:05:07.119 --> 02:05:09.399 And that's some of the conversations you have with on writers. 2323 02:05:09.439 --> 02:05:15.720 The last was it professionally remediated? You know what exactly happened? 2324 02:05:15.720 --> 02:05:18.439 They want to know that it was something that was 2325 02:05:18.520 --> 02:05:21.239 completely cleaned up. They don't want something that's going to 2326 02:05:21.319 --> 02:05:25.359 come rise up later as far as with mold, whether 2327 02:05:25.399 --> 02:05:28.520 it be liability with mold, you know that someone's breathing 2328 02:05:28.600 --> 02:05:32.279 in or you know just the damage that's caused from it. 2329 02:05:32.520 --> 02:05:35.119 So water is just one of those claims that you 2330 02:05:35.199 --> 02:05:37.520 don't want to make unless it's a pretty substantial claim. 2331 02:05:38.880 --> 02:05:42.640 Okay, So she's pretty accurate in what she's doing at 2332 02:05:42.640 --> 02:05:45.000 this point. Yeah. Did you have a question, Cindy for him, 2333 02:05:45.079 --> 02:05:47.000 he's in the homeowner's insurance business. 2334 02:05:48.159 --> 02:05:50.960 Yeah, well, no, thank you. I did put a homeowner's 2335 02:05:51.000 --> 02:05:54.119 claim in several months ago for a roof because somebody 2336 02:05:54.159 --> 02:05:55.640 said I can get a whole new roof. It was 2337 02:05:55.720 --> 02:05:58.520 so bad and I got denied. They said no it's 2338 02:05:58.560 --> 02:06:01.319 not or well you don't need next couple. 2339 02:06:01.600 --> 02:06:06.399 Wait a minute, Cindy, Now that that you should have 2340 02:06:06.720 --> 02:06:11.119 called a really reputable roof for first, and because once 2341 02:06:11.159 --> 02:06:14.079 you called the insurance company, whether they replaced it or not, 2342 02:06:15.560 --> 02:06:17.279 it counts against you. Did you know that. 2343 02:06:18.039 --> 02:06:21.039 I know that, and I should have called the guy goes. 2344 02:06:21.199 --> 02:06:22.840 You don't even need to call your agent, you can 2345 02:06:22.960 --> 02:06:24.560 just call the company. 2346 02:06:24.880 --> 02:06:27.840 Did you have certain any neighbors getting new roofs? 2347 02:06:29.760 --> 02:06:33.039 No, it was from you know, the hail from a 2348 02:06:33.199 --> 02:06:33.640 year ago. 2349 02:06:34.479 --> 02:06:37.039 No, I understand that. But but you did put in 2350 02:06:37.079 --> 02:06:39.560 a claim, right, you opened an actual claim? Right? 2351 02:06:40.359 --> 02:06:42.560 I did, And so they fixed a little bit of 2352 02:06:42.760 --> 02:06:44.199 my patioto how much? 2353 02:06:45.079 --> 02:06:45.479 How much? 2354 02:06:45.960 --> 02:06:48.600 They gave me three thousand dollars and it costs about 2355 02:06:48.640 --> 02:06:50.680 three thousand, so it was an even But now I've 2356 02:06:50.680 --> 02:06:53.399 got a claim in so yeah. 2357 02:06:53.439 --> 02:06:55.000 But here's what I want you to do. Now that 2358 02:06:55.079 --> 02:06:59.119 you got the black guy have a claim, I want 2359 02:06:59.159 --> 02:07:01.880 you to do something. I want you to re examine 2360 02:07:01.920 --> 02:07:04.199 that claim because you have three years to reopen it. 2361 02:07:05.239 --> 02:07:08.439 What I mean by that is you want somebody you 2362 02:07:08.560 --> 02:07:11.399 can trust to at least give it the once over. 2363 02:07:11.880 --> 02:07:14.880 I would call Excel Roofing and I would just say, 2364 02:07:15.479 --> 02:07:18.640 you know, do I need a roof that here's what 2365 02:07:18.800 --> 02:07:21.159 happened a few years ago, and they only gave me 2366 02:07:21.239 --> 02:07:23.920 three grand I would like to know the condition of 2367 02:07:24.000 --> 02:07:26.520 my roof. I really would, Now, Cindy, why would you 2368 02:07:26.600 --> 02:07:29.880 do that? Because if it turns out that you do 2369 02:07:30.039 --> 02:07:32.000 need a roof, I'm not talking about from old age, 2370 02:07:32.039 --> 02:07:34.840 but you need a roof as a result of that hailstorm. 2371 02:07:35.760 --> 02:07:38.239 Now that you put in a claim, you've actually extended 2372 02:07:38.279 --> 02:07:40.520 the deadline. You know, you only have a year from 2373 02:07:40.560 --> 02:07:42.600 the date of loss. But since you did a claim 2374 02:07:42.720 --> 02:07:44.720 and you got three grand, now you got three years 2375 02:07:44.760 --> 02:07:47.840 to reopen it. If they didn't treat you right, if 2376 02:07:48.119 --> 02:07:51.000 Excel roofing things, you know you probably do need a 2377 02:07:51.119 --> 02:07:54.159 roof and it probably was hurt in that hailstorm more 2378 02:07:54.239 --> 02:07:57.399 than your insurance company said, then I would get an 2379 02:07:57.439 --> 02:08:06.079 insurance adjuster involved. Namely, I would say Paragon Services, Matt Sanford, 2380 02:08:06.279 --> 02:08:10.279 and I would have him open a claim and you 2381 02:08:10.479 --> 02:08:11.680 might be able to get a new roof. 2382 02:08:11.760 --> 02:08:14.720 Now, I'm not saying they weren't honest with you. It 2383 02:08:14.840 --> 02:08:17.960 could be that you only had a few damages, but 2384 02:08:18.079 --> 02:08:22.319 it's very unlikely, very unlikely that three thousand dollars would 2385 02:08:22.319 --> 02:08:26.000 have fixed anything. It almost sounds like they just wanted 2386 02:08:26.039 --> 02:08:28.760 to appease you and get you off their back. Cindy, 2387 02:08:28.880 --> 02:08:30.000 don't take that lightly. 2388 02:08:30.079 --> 02:08:30.239 Now. 2389 02:08:30.399 --> 02:08:32.039 I know you're worried about this toilet. 2390 02:08:32.680 --> 02:08:35.880 Worry about that, do that on your own dime, but 2391 02:08:36.119 --> 02:08:40.479 please do me a favor, and you call Genesis when 2392 02:08:40.560 --> 02:08:44.640 it comes to that. And you can also call Genesis 2393 02:08:44.680 --> 02:08:48.239 about your roof, but you can also call Excel roofing, 2394 02:08:48.319 --> 02:08:51.720 but call a good roofer to give you an opinion 2395 02:08:51.760 --> 02:08:54.720 about your roof and that specific damage. 2396 02:08:55.279 --> 02:08:57.880 They said you had to make sure it's not more extensive. 2397 02:08:58.199 --> 02:09:01.520 Please do that and then let us know, let us 2398 02:09:01.600 --> 02:09:05.000 know what happens. Yes, because I think I have a 2399 02:09:05.359 --> 02:09:08.880 I have a sneaky feeling that you probably have a 2400 02:09:09.000 --> 02:09:11.159 roof coming. How old is that roof, by the way, 2401 02:09:12.800 --> 02:09:13.760 I have no idea. 2402 02:09:14.279 --> 02:09:17.319 Seriously, maybe fifteen eighteen. I don't even know. 2403 02:09:17.880 --> 02:09:21.119 From that one year old storm, from that storm that 2404 02:09:21.239 --> 02:09:24.960 happened a year before that. Were other neighbors getting their 2405 02:09:25.039 --> 02:09:31.760 roofs replaced from that storm? Yes, I okay, Cindy, Then 2406 02:09:32.000 --> 02:09:37.000 please do not wait. I want you to call and 2407 02:09:37.159 --> 02:09:40.640 get this started. Call Genesis. While he's there, he can 2408 02:09:40.720 --> 02:09:42.479 take a look at your roof. I mean, you can 2409 02:09:42.560 --> 02:09:44.720 have it all done with one person looking at it 2410 02:09:44.800 --> 02:09:48.560 if you want. Three O three seven one three talks 2411 02:09:48.640 --> 02:09:51.119 seven to one three eight two five five. 2412 02:09:51.199 --> 02:09:52.439 We got more coming right up. 2413 02:09:53.399 --> 02:09:57.199 Go with a sure thing Denver's Best roofer Excelroofing dot com. 2414 02:09:57.399 --> 02:10:03.079 You don't pay a cent until you're content. Time for 2415 02:10:03.159 --> 02:10:07.479 an insurance checkup, free no obligation comparison call Compass insurance 2416 02:10:07.680 --> 02:10:10.640 paying too much your coverage at dozens of insurance companies. 2417 02:10:10.760 --> 02:10:12.800 Find out now three oh three seven to seven to 2418 02:10:12.840 --> 02:10:13.319 one help. 2419 02:10:13.520 --> 02:10:16.159 You'll think you're his only customer when you choose Frank 2420 02:10:16.239 --> 02:10:18.640 durand the real estate Man dot com to list your 2421 02:10:18.720 --> 02:10:21.840 home with Remax Alliance three oh three nine two zero 2422 02:10:21.960 --> 02:10:28.600 sixteen twenty two. Hey, I'm Tom Martino, your troubleshooter three 2423 02:10:28.640 --> 02:10:31.439 oh three seven one three talk seven one three eight 2424 02:10:31.439 --> 02:10:32.119 two five five. 2425 02:10:32.159 --> 02:10:36.960 Okay, I want to show you this real quick. I 2426 02:10:37.039 --> 02:10:39.960 think it's pretty cool. This is a one hundred thousand 2427 02:10:40.000 --> 02:10:43.720 dollars shower. It's like a whole room back there. I 2428 02:10:43.760 --> 02:10:45.359 don't know if you can see it, but I put 2429 02:10:45.399 --> 02:10:47.640 it up on our feed. If you go to referless 2430 02:10:47.720 --> 02:10:50.760 dot com or Troubleshooter Network, not referraless dot com, Troubleshooter 2431 02:10:50.840 --> 02:10:53.319 Network or referless on YouTube, we have a channel. 2432 02:10:54.840 --> 02:10:58.760 Don't look for me, look for Troubleshooter Network. Now, if 2433 02:10:58.800 --> 02:11:00.880 you look at these closely, that is like a whole 2434 02:11:00.960 --> 02:11:04.000 room back there. I think it's a double shower that 2435 02:11:04.199 --> 02:11:08.039 rounded glass, and then I believe it's porcelain walls or 2436 02:11:08.079 --> 02:11:12.840 whatever it is. It's beautiful, but it's pretty darn cool. 2437 02:11:13.359 --> 02:11:15.960 I mean, so what you see is that front part right, 2438 02:11:16.000 --> 02:11:19.119 but it actually goes back and around in a bench. 2439 02:11:19.239 --> 02:11:24.199 It's like a community shower almost. I mean, you know, damn. 2440 02:11:25.199 --> 02:11:29.479 So what's in your mind today where we probably can't 2441 02:11:29.520 --> 02:11:32.359 take a new call? I guess we could, but we're 2442 02:11:32.439 --> 02:11:35.840 not going to. I want to ask Compass Insurance. 2443 02:11:35.479 --> 02:11:38.640 Group if they could come back and recap some of 2444 02:11:38.800 --> 02:11:41.880 the if you did you have any really good insurance 2445 02:11:42.000 --> 02:11:44.239 checkups where you could save people substantial money? 2446 02:11:44.359 --> 02:11:46.960 Well, I actually so, Riley, my son's been here and 2447 02:11:47.079 --> 02:11:49.199 he was actually working on one. So as I know 2448 02:11:49.319 --> 02:11:51.239 that he has an example of one that he got 2449 02:11:51.359 --> 02:11:51.640 that he. 2450 02:11:51.680 --> 02:11:52.720 Go ahead, let's do it, y. 2451 02:11:52.880 --> 02:11:53.319 Can you hear me? 2452 02:11:54.439 --> 02:11:54.840 Yes, sir? 2453 02:11:55.279 --> 02:11:58.800 I had a someone call in your current all state 2454 02:11:58.840 --> 02:12:02.119 customer been there for twenty years, very similar to the 2455 02:12:02.239 --> 02:12:05.399 last situation where they had statementum limits twenty five thousand 2456 02:12:05.439 --> 02:12:08.239 to person, and I noticed while shopping it they had 2457 02:12:08.279 --> 02:12:10.920 no mortgage on the home. So immediately I knew they 2458 02:12:11.000 --> 02:12:13.680 had assets and yet had no protection. So I shopped 2459 02:12:13.760 --> 02:12:17.079 him with one of our companies, came back, saved one thousand, 2460 02:12:17.159 --> 02:12:19.960 seven hundred dollars, and I brought their liability from twenty 2461 02:12:20.039 --> 02:12:22.399 five thousand to person up to one point five million 2462 02:12:22.479 --> 02:12:23.800 and saved him seventeen hundred. 2463 02:12:24.920 --> 02:12:28.159 Oh my god, they had they had only twenty five. 2464 02:12:28.079 --> 02:12:31.359 Thousand, twenty five thousand to person and it paid off 2465 02:12:31.399 --> 02:12:32.760 house worth over seven hundred k. 2466 02:12:34.000 --> 02:12:37.640 They were in serious danger. Plus he saved him money. 2467 02:12:38.079 --> 02:12:38.800 Holy crap. 2468 02:12:38.920 --> 02:12:43.239 That's a great one. And that is uh Riley with compass. 2469 02:12:43.319 --> 02:12:46.199 He's uh his son and he gets my dinger at 2470 02:12:46.199 --> 02:12:46.880 the end of the show. 2471 02:12:48.600 --> 02:12:50.840 That's good. I never got any. They were out of time, 2472 02:12:51.880 --> 02:12:55.359 Thank god. Don't forget referral. Don't forget referral list dot 2473 02:12:55.439 --> 02:12:58.520 com for help, information and referrals. Call three H three 2474 02:12:58.600 --> 02:13:00.880 Martino twenty four to seven that three O three six 2475 02:13:01.000 --> 02:13:03.920 two seven eight four sixty six. Save all your problems 2476 02:13:04.359 --> 02:13:04.680 for us. 2477 02:13:07.640 --> 02:13:07.680 H