WEBVTT 1 00:00:05.599 --> 00:00:10.880 Ripped off you don't have. 2 00:00:14.320 --> 00:00:18.079 As fast as we can, Shooter's gonna help. 3 00:00:18.399 --> 00:00:21.239 Come man, this is. 4 00:00:21.160 --> 00:00:24.600 The Troubleshooter Show. No Tom Martinez. 5 00:00:24.760 --> 00:00:27.160 Welcome my friends to the only show of its. 6 00:00:27.079 --> 00:00:29.600 Kind of here to solve problems, answer questions. We got 7 00:00:29.640 --> 00:00:32.640 some updates coming up that are unbelievable and we need 8 00:00:32.719 --> 00:00:35.640 your help today. By the way, in studio with me 9 00:00:36.159 --> 00:00:39.679 John Jones Junior, we're gonna dive into health insurance and 10 00:00:39.719 --> 00:00:42.759 I'll tell you why. Open enrollments almost over and it's 11 00:00:42.920 --> 00:00:46.679 very important. If you have not checked what's going on 12 00:00:46.759 --> 00:00:49.000 with your health insurance, you do it and I'll tell 13 00:00:49.000 --> 00:00:50.479 you why with John in a little bit. 14 00:00:50.479 --> 00:00:52.439 But here's the bottom line. We're here to help. 15 00:00:52.479 --> 00:00:55.960 You've been ripped off taking advantage of maybe a contractor, 16 00:00:56.159 --> 00:00:59.960 maybe a bad landlord, maybe a bad dentist. Speaking to dentist, 17 00:01:00.079 --> 00:01:02.759 I sat in a dentist's chair last night for two 18 00:01:03.000 --> 00:01:06.359 hours getting a deep clean on my teeth. My god, 19 00:01:06.760 --> 00:01:09.719 when they say it's like pulling teeth, it's like pulling teeth. 20 00:01:09.840 --> 00:01:12.319 Now, they did a great job. I really do like 21 00:01:12.400 --> 00:01:12.879 the dentist. 22 00:01:12.959 --> 00:01:14.319 I don't want it all the mark. 23 00:01:14.439 --> 00:01:17.840 Yeah, they were really good. But my goodness. There is 24 00:01:17.879 --> 00:01:20.719 nothing like having your mouth open for two hours and 25 00:01:20.879 --> 00:01:24.760 shot up with novacane, and you know, once that novacane's gone, 26 00:01:25.200 --> 00:01:26.439 it all just sits in. 27 00:01:26.680 --> 00:01:29.000 It hurts like hell. I'll put it like it is 28 00:01:29.040 --> 00:01:31.560 anybody anybody that likes to call. 29 00:01:31.480 --> 00:01:32.599 The ambulance right now? 30 00:01:32.959 --> 00:01:35.959 Shush it. It's my wife Suzanne making fun of me 31 00:01:36.079 --> 00:01:38.400 like usual. Now I'll say this. There's one person I 32 00:01:38.439 --> 00:01:40.959 know that likes a dentist least than May. 33 00:01:42.239 --> 00:01:45.640 That's Kelly. My god. Don't they totally sedate you when 34 00:01:45.680 --> 00:01:46.599 you go in? For real? 35 00:01:46.799 --> 00:01:50.879 I am a very big dentophobiac, and yes I do 36 00:01:51.120 --> 00:01:53.480 sedation dentistry dentophobiac. 37 00:01:53.560 --> 00:01:56.159 Can you imagine that you go under to get your 38 00:01:56.200 --> 00:01:57.799 teeth cleaned or to get a cavity? 39 00:01:57.879 --> 00:02:00.640 No, it's not under. They give you a series of 40 00:02:00.640 --> 00:02:05.519 different pills. Yeah, and you started in the morning, and 41 00:02:05.560 --> 00:02:07.920 then you get there they give you a couple more pills. 42 00:02:08.159 --> 00:02:08.719 That's horrible. 43 00:02:08.759 --> 00:02:11.280 So she gets high to get her teeth. No, I 44 00:02:11.319 --> 00:02:12.960 get they're down. 45 00:02:12.840 --> 00:02:15.319 To drink a bottle of wine after the pills. She 46 00:02:15.439 --> 00:02:16.479 put a little kicker on it. 47 00:02:16.599 --> 00:02:19.639 No, because I'm usually have a bunch of novacane ins. 48 00:02:19.639 --> 00:02:21.199 Oh my God, it's you know. 49 00:02:21.319 --> 00:02:23.919 Oh that's the other thing trying to eat with novacane. 50 00:02:24.000 --> 00:02:24.879 Oh yeah, that sucks. 51 00:02:25.000 --> 00:02:27.080 Or it's not novaca Yeah it is. No, it's light 52 00:02:27.120 --> 00:02:29.280 a Kane. Nowadays, novacane's the old stuff. 53 00:02:29.319 --> 00:02:29.719 Anyhow. 54 00:02:29.759 --> 00:02:31.960 Three o three seven one three eight two five five 55 00:02:32.120 --> 00:02:34.439 we have one line open. Three oh three Martino. I 56 00:02:34.479 --> 00:02:38.159 want to talk real quick about Robin Hood Roofing from yesterday. 57 00:02:38.479 --> 00:02:40.560 And Dave was a sales guy. I don't know if 58 00:02:40.599 --> 00:02:42.639 he's the owner, who he is. We tried to reach 59 00:02:42.680 --> 00:02:45.000 out to these guys. Here's what happened. We had a 60 00:02:45.000 --> 00:02:47.719 guy call in yesterday. I think it was Clayton. It 61 00:02:47.759 --> 00:02:51.759 was unbelievable. This this roofing company installed the roof when 62 00:02:51.759 --> 00:02:54.039 it was done. It was done in July. The guy 63 00:02:54.080 --> 00:02:55.719 comes out and looks at it and goes, why does. 64 00:02:55.639 --> 00:02:56.240 It look old? 65 00:02:56.520 --> 00:02:59.680 Some of the some of the shingles, according to the caller, 66 00:02:59.719 --> 00:03:02.159 were all curled up and the thing looked old. 67 00:03:02.479 --> 00:03:04.319 That's the best way he could describe it. 68 00:03:04.360 --> 00:03:07.159 And by the way, we have an expert going out 69 00:03:07.159 --> 00:03:10.120 there from Petrolley Roofing that's gonna have feet on the 70 00:03:10.159 --> 00:03:12.960 ground and tell us exactly what's going on with this 71 00:03:13.120 --> 00:03:15.800 and he's setting that appointment up today. He's gonna go 72 00:03:15.840 --> 00:03:18.400 out check it out. But we called up to ask. 73 00:03:19.319 --> 00:03:21.840 They hung up on us multiple times. I'll let you 74 00:03:21.919 --> 00:03:24.520 hear from Kelly, who they hung up and in a second. 75 00:03:24.520 --> 00:03:25.280 But listen to this. 76 00:03:25.719 --> 00:03:29.919 The guy says, Dave apparently told Clayton it's supposed to 77 00:03:29.960 --> 00:03:33.680 look old. Those are ass volt shingles designed to look old. 78 00:03:34.199 --> 00:03:36.680 Is that not what he said, Dimitri, My god. 79 00:03:36.719 --> 00:03:38.199 That's exactly what he said. 80 00:03:38.560 --> 00:03:40.800 And so I had a really great business idea of 81 00:03:40.879 --> 00:03:46.639 producing mattresses, brand new mattresses, concentric yellow stains on. 82 00:03:46.840 --> 00:03:49.879 That would be great. No, we design those to look. 83 00:03:49.719 --> 00:03:52.960 Like mattress, just like Clayton's roof. 84 00:03:53.080 --> 00:03:55.599 So I can't wait till we have boots on the 85 00:03:55.639 --> 00:03:58.879 ground out there and figure out what the heck is 86 00:03:58.919 --> 00:04:01.879 going on with Robin roofing. But you tried to call him, 87 00:04:02.479 --> 00:04:04.360 and we don't call him on Eric, We don't do that. 88 00:04:04.680 --> 00:04:08.080 Kelly calls offline, We say, hey, what's going on here? 89 00:04:08.120 --> 00:04:10.199 Would you like to come on and give your side? 90 00:04:10.439 --> 00:04:13.120 But apparently you're not doing anything about it. You told 91 00:04:13.120 --> 00:04:15.280 the guy it looks like this. But what happens when 92 00:04:15.319 --> 00:04:16.600 you called up Kelly. 93 00:04:17.680 --> 00:04:20.879 I did, so I called up the first time and 94 00:04:22.199 --> 00:04:25.920 the gentleman Dave did answer, and I said, Hi, I'm 95 00:04:26.000 --> 00:04:29.240 Kelly calling from the Tom Martino Troubleshooter Show. 96 00:04:29.360 --> 00:04:30.399 Immediate hang up. 97 00:04:31.079 --> 00:04:35.160 So then I call him back, thinking maybe somehow someway. 98 00:04:34.839 --> 00:04:35.959 We got disconnected. 99 00:04:36.879 --> 00:04:40.639 He answered, because I definitely heard the click of you know, 100 00:04:40.959 --> 00:04:45.319 somebody answering the phone, and then he immediately hung up again. 101 00:04:45.920 --> 00:04:49.600 Then he called the station, I guess, to verify that 102 00:04:49.639 --> 00:04:52.959 we were actually the Tom Martino Trebleshooter Show. So when 103 00:04:52.959 --> 00:04:56.680 I answered that phone, he hung up again. So then 104 00:04:56.720 --> 00:05:00.040 I called him back a fourth time, and then he 105 00:05:00.079 --> 00:05:03.800 ever ever answered, and his mailbox was not or wist full. 106 00:05:03.920 --> 00:05:06.319 I believe unbelievable. 107 00:05:06.319 --> 00:05:08.399 The guy won't even say anything soon as they said, 108 00:05:08.399 --> 00:05:09.439 who we're calling from. 109 00:05:09.639 --> 00:05:11.279 It's not like we call up on the air. 110 00:05:11.319 --> 00:05:13.439 He knows that, and I hope he's listening now, and 111 00:05:13.519 --> 00:05:15.639 I know he was listening after he hung up on 112 00:05:15.720 --> 00:05:18.839 you four times yesterday, Dave, why don't you be a 113 00:05:18.879 --> 00:05:22.279 man and come on today and explain what shingle this is? 114 00:05:22.639 --> 00:05:24.000 That looks old. 115 00:05:23.720 --> 00:05:26.439 On purpose, because I damn well have never heard of 116 00:05:26.519 --> 00:05:29.079 anything like that in my life, and quite Honestly, I'm 117 00:05:29.079 --> 00:05:31.120 going to go out onto a limb right now here, 118 00:05:31.160 --> 00:05:33.800 I am walking out small limb. I'm going to say, 119 00:05:33.800 --> 00:05:36.920 you're a liar. That's what I'm gonna say. Now, that's 120 00:05:37.000 --> 00:05:39.839 my opinion. And we're gonna find out when our expert 121 00:05:39.879 --> 00:05:41.680 goes out to your client's house. 122 00:05:41.680 --> 00:05:44.879 And looks at it. But hanging up and not talking 123 00:05:44.879 --> 00:05:50.319 to your own client is ridiculous. That's David Robin hood roofing. 124 00:05:51.680 --> 00:05:54.959 And we'll have that report back from our expert with pictures. 125 00:05:55.160 --> 00:05:57.879 We're gonna post them up and we're gonna tell everybody 126 00:05:57.959 --> 00:06:01.240 where you can buy shingles that may your house look old. 127 00:06:01.480 --> 00:06:03.279 Hey, maybe he robs the rich to. 128 00:06:03.240 --> 00:06:04.040 Give to the poor. 129 00:06:04.439 --> 00:06:06.120 Yeah, the other way around, he robs the poor to 130 00:06:06.120 --> 00:06:09.040 get to the rich. Or he robs or possibly doc 131 00:06:09.120 --> 00:06:13.079 he robs people that sell shingles that have been sitting 132 00:06:13.079 --> 00:06:14.480 out forever or something. 133 00:06:14.879 --> 00:06:17.360 I don't know what this guy does, but let's get 134 00:06:17.439 --> 00:06:20.360 you know what, Let's give him the opportunity to call in. 135 00:06:20.680 --> 00:06:23.279 There's one line open right now. Dave, please call in, 136 00:06:23.480 --> 00:06:25.439 or have your boss call in if you have one, 137 00:06:25.519 --> 00:06:28.800 or your wife, I mean, whoever, just something or you 138 00:06:28.839 --> 00:06:30.800 know what, don't even come on air. Just call up 139 00:06:30.879 --> 00:06:33.360 Kelly and tell her what's going on your side of 140 00:06:33.360 --> 00:06:36.560 the story. You're making this look extremely bad. 141 00:06:36.639 --> 00:06:36.959 Brother. 142 00:06:37.319 --> 00:06:40.079 You won't talk to the customer, You won't give anything 143 00:06:40.240 --> 00:06:41.040 except you. 144 00:06:41.120 --> 00:06:44.480 Literally told him they're meant to look old. I've never 145 00:06:44.519 --> 00:06:48.360 heard of anything like that. God bless. 146 00:06:48.399 --> 00:06:51.600 If you want to ask Dave, if you're interested in 147 00:06:51.800 --> 00:06:56.120 shingles that look old, so your house looks old and 148 00:06:56.160 --> 00:06:59.519 they curl up, you're ready, you can call Dave at 149 00:06:59.560 --> 00:07:03.560 seven to zero seven oh four nine three four five. 150 00:07:03.759 --> 00:07:05.839 You know what, there probably is somebody out there that 151 00:07:05.920 --> 00:07:08.399 wants that, right, I mean, who the heck knows? 152 00:07:08.439 --> 00:07:08.759 Man? 153 00:07:09.000 --> 00:07:13.319 Now, Monica, this one's crazy. This happened yesterday. Monica called 154 00:07:13.360 --> 00:07:17.600 in and she has a neighbor above. The neighbor above 155 00:07:17.639 --> 00:07:22.399 they're in a condo, and basically was remodeling her condo 156 00:07:22.519 --> 00:07:27.800 above her. She somehow started water coming through the ceiling 157 00:07:27.839 --> 00:07:31.199 into Monica's unit. We don't know exactly what she did. 158 00:07:31.639 --> 00:07:33.959 I don't know if she like switched out a sake 159 00:07:34.079 --> 00:07:36.759 or a toilet. Who knows what she did, It doesn't matter. 160 00:07:36.759 --> 00:07:39.800 It caused damage to the unit underneath, which is Monica's. 161 00:07:40.319 --> 00:07:43.959 Then it happened again. So Monica had two claims on 162 00:07:44.040 --> 00:07:46.839 her insurance. She went up to talk to the neighbor 163 00:07:47.199 --> 00:07:49.279 and here's what the neighbor said, Well, I'm not going 164 00:07:49.360 --> 00:07:51.959 to give you any of my insurance information. That's what 165 00:07:52.000 --> 00:07:54.720 the neighbor told her. So Monica ended up putting it 166 00:07:54.839 --> 00:07:57.600 through her insurance company, and. 167 00:07:57.480 --> 00:07:58.680 She had two claims. 168 00:07:58.759 --> 00:08:01.879 Remember, she didn't cause this damage, the other neighbor did. 169 00:08:02.079 --> 00:08:06.319 So after that happens, her insurance company reaches out at 170 00:08:06.800 --> 00:08:09.800 the renewal because she had two claims and said, because 171 00:08:09.839 --> 00:08:12.399 you put these two claims in, we're gonna go ahead 172 00:08:12.399 --> 00:08:14.639 and cut you loose. We're not going to insure you anymore. 173 00:08:15.000 --> 00:08:19.160 And then to add injury to insult her insurance company, 174 00:08:19.160 --> 00:08:22.480 I believe it was SAFECode goes after the other the 175 00:08:22.839 --> 00:08:26.920 Ladies insurance company to subrogate the claim, and apparently in 176 00:08:27.000 --> 00:08:30.839 the HOA documents, this is the part that's mind blowing 177 00:08:30.839 --> 00:08:35.200 to me. In the HOA documents, it says you can't subrogate. 178 00:08:35.480 --> 00:08:39.519 So if someone causes you damage that's above you or 179 00:08:39.559 --> 00:08:42.840 besides you in a condo, or at least in these condos, 180 00:08:43.159 --> 00:08:47.120 according to the HOA documents, if they don't have insurance, 181 00:08:47.240 --> 00:08:49.399 or if they do, let's say they do have insurance 182 00:08:49.720 --> 00:08:52.159 like in this case, and you end up having to 183 00:08:52.200 --> 00:08:55.840 turn it into yours because the bitch above you won't give. 184 00:08:55.679 --> 00:08:57.879 You the information. Here's what happens. 185 00:08:58.919 --> 00:09:02.279 The other company tries to subrogate, she gets a denial 186 00:09:02.360 --> 00:09:05.559 letter back that says, in your HOA documents, you're not 187 00:09:05.679 --> 00:09:08.519 allowed to do it. I sent John Fuller, attorney at law. 188 00:09:08.559 --> 00:09:11.480 He also he also fills in for us right here 189 00:09:11.480 --> 00:09:13.399 on the show when Tom and I can't be here. 190 00:09:13.440 --> 00:09:16.519 But I sent him the denial letter and the part 191 00:09:16.639 --> 00:09:19.080 I believe it was a part of the HOA documents. 192 00:09:19.279 --> 00:09:22.000 And we talked a little about this yesterday, but we 193 00:09:22.120 --> 00:09:25.320 ran out of time. John Fuller, Fuller Law, I sent 194 00:09:25.360 --> 00:09:31.440 you that information. What do you make of this, man, Mark? 195 00:09:32.679 --> 00:09:35.600 Here's the basic deal. So, in Colorado we have a law. 196 00:09:36.320 --> 00:09:39.480 It's called the oh, what in the heck is it called? 197 00:09:39.519 --> 00:09:39.639 Here? 198 00:09:39.960 --> 00:09:44.240 Fancy name? It's called the Colorado Common Ownership Act. And 199 00:09:44.360 --> 00:09:47.440 basically the gist of that or that particular section that 200 00:09:47.519 --> 00:09:52.200 comes into play here is that associations have to maintain 201 00:09:52.279 --> 00:09:57.200 property and liability insurance, but the insurance company must waigh 202 00:09:57.360 --> 00:10:01.000 by law, it's right to subrogate again the unit owner 203 00:10:01.200 --> 00:10:03.840 or any other member of their household. So what does 204 00:10:03.879 --> 00:10:08.279 that mean. That means if the association files a claim, 205 00:10:08.919 --> 00:10:11.600 they can't the insurance company can't turn around and then 206 00:10:11.679 --> 00:10:16.440 individually go after an owner that caused the loss. The 207 00:10:16.480 --> 00:10:20.159 only acception of that is that the HOA can go 208 00:10:20.240 --> 00:10:23.840 after the owner for the amount of their deductible, but 209 00:10:24.080 --> 00:10:28.759 nothing else, not the overall claim. So that leads logically 210 00:10:28.879 --> 00:10:34.679 to the language that applies to issues between owners, and 211 00:10:35.120 --> 00:10:40.639 this particular young Ladys HOA has what's called a waiver 212 00:10:40.799 --> 00:10:44.399 of subrogation. Now it doesn't actually use the words waiver 213 00:10:44.519 --> 00:10:48.279 of subrogation, so you have to read into the declarations 214 00:10:48.279 --> 00:10:50.919 and the bylaws of the units. But what you'll find 215 00:10:50.919 --> 00:10:53.679 out is that it says if there's damage to the unit, 216 00:10:54.559 --> 00:10:56.960 no matter the cause, if it's caused by the person 217 00:10:57.000 --> 00:11:00.320 above you, below you, beside you, it doesn't matter. You 218 00:11:00.519 --> 00:11:03.240 have a duty to repair your unit and use your 219 00:11:03.360 --> 00:11:07.600 own insurance or your own friends to do that. And 220 00:11:07.639 --> 00:11:11.480 so the insurance company is one hundred percent correct in 221 00:11:11.600 --> 00:11:16.120 saying that the language in the declaration prohibits her from 222 00:11:16.159 --> 00:11:20.159 going after her neighbor or upstairs neighbor or whatever you 223 00:11:20.240 --> 00:11:21.799 want to call it for. 224 00:11:21.639 --> 00:11:25.320 This damage except for the deductible that she ended up paying. 225 00:11:25.639 --> 00:11:29.200 Not No, it doesn't allow an owner to own her 226 00:11:29.279 --> 00:11:33.240 claim for the deductible. That's only if the association files 227 00:11:33.279 --> 00:11:37.720 a claim for a homeowner's negligence, they can go after 228 00:11:37.720 --> 00:11:40.799 the negligent, Oh my god, for the deductible. But it 229 00:11:40.879 --> 00:11:45.000 doesn't afford that same opportunity to a homeowner that's filing 230 00:11:45.000 --> 00:11:49.240 a claim and incurring a deductible. John, I think Monica 231 00:11:49.399 --> 00:11:52.000 is in is up the creek, so to speak. 232 00:11:52.600 --> 00:11:56.440 But let's not forget this because of this woman's negligence. 233 00:11:56.759 --> 00:11:59.600 No matter what it is, she's getting canceled and is 234 00:11:59.639 --> 00:12:02.519 going to have to spend more money on insurance now 235 00:12:02.600 --> 00:12:05.440 because she ended up putting two claims in. Do you 236 00:12:05.480 --> 00:12:08.159 see any liability there from the woman above? 237 00:12:09.120 --> 00:12:12.399 I don't. I personally don't. If the owner can't be 238 00:12:12.480 --> 00:12:15.159 held liable for the damage, I don't see how they're 239 00:12:15.200 --> 00:12:16.759 going to be held liable for someone. 240 00:12:17.519 --> 00:12:18.159 What AM's it for? 241 00:12:18.320 --> 00:12:18.679 Caller? 242 00:12:19.200 --> 00:12:22.639 What happens if she didn't have any insurance? Let's pretend 243 00:12:22.639 --> 00:12:25.360 Monica had no insurance and the woman does it and 244 00:12:25.399 --> 00:12:28.600 she has no one to turn it into what happens then, John. 245 00:12:29.240 --> 00:12:32.120 Well, it says that she has to use her own funds. 246 00:12:32.399 --> 00:12:33.240 Oh my god. 247 00:12:33.480 --> 00:12:35.840 So if I'm in a condo, if I'm in this condo, 248 00:12:36.159 --> 00:12:39.440 I can jackhammer my ceiling and screw up the people 249 00:12:39.480 --> 00:12:39.960 below me. 250 00:12:40.279 --> 00:12:41.919 And this is insane. 251 00:12:41.960 --> 00:12:42.240 John. 252 00:12:42.320 --> 00:12:44.240 I know you're just given the facts. 253 00:12:44.240 --> 00:12:48.000 To an intentional act. I mean, I think that might 254 00:12:48.039 --> 00:12:50.559 be just a little bit different, But what it says, 255 00:12:50.679 --> 00:12:52.879 it doesn't really make that distinction. I'll tell you what 256 00:12:52.919 --> 00:12:57.639 it says if due to I'll just summarize this. If 257 00:12:57.679 --> 00:13:01.720 an individual unit shall be damaged, then the owner shall, 258 00:13:01.799 --> 00:13:04.960 within a reasonable time not to exceed one hundred and 259 00:13:05.000 --> 00:13:10.399 twenty days, shall diligently pursue repair and reconstruction using any 260 00:13:10.440 --> 00:13:16.080 available personal insurance proceeds and personal funds of such owner, 261 00:13:16.799 --> 00:13:20.919 unless the common elements are not repaired and reconstructed as provided. 262 00:13:20.960 --> 00:13:23.519 So it's as clear as it can be. And this 263 00:13:23.720 --> 00:13:26.440 is why you want to really use a good real 264 00:13:26.559 --> 00:13:30.519 estate attorney when you buy a condo or town home 265 00:13:30.639 --> 00:13:33.200 or something with common shared walls where you actually have 266 00:13:33.759 --> 00:13:37.600 an association that may dictate your rights. Because this is 267 00:13:38.080 --> 00:13:40.840 part and parcel of the law in Colorado, and the 268 00:13:41.000 --> 00:13:44.679 logic behind it is we don't want you know, individual 269 00:13:44.840 --> 00:13:47.200 units suing each other over and over. I mean, I 270 00:13:47.279 --> 00:13:49.960 used an example yesterday. What if somebody on the ninth 271 00:13:50.000 --> 00:13:53.559 floor had a leak and all eight units below them 272 00:13:54.080 --> 00:13:58.279 got flooded. We don't want eight different lawsuits going on 273 00:13:58.399 --> 00:14:02.000 in the midst of an annociation. And so, you know, 274 00:14:02.159 --> 00:14:05.519 it does result in bad outcomes, and certainly it is 275 00:14:05.559 --> 00:14:06.039 for your call. 276 00:14:06.519 --> 00:14:09.799 It's unbelievable. She got canceled over this, lady. 277 00:14:09.759 --> 00:14:13.000 I understand, and she's going to have to find other insurance. Now. 278 00:14:13.399 --> 00:14:16.759 I don't know that you could make the exact same analogy, 279 00:14:16.879 --> 00:14:20.519 but there is law on the books in Colorado as 280 00:14:20.559 --> 00:14:25.000 it pertains to auto accidents that says the insurance company 281 00:14:25.039 --> 00:14:29.120 can't penalize you for filing a claim for accidents that 282 00:14:29.159 --> 00:14:32.200 are not your fault. And if I were involved in this, 283 00:14:32.320 --> 00:14:36.840 which I am not, you know, I would go that's. 284 00:14:36.720 --> 00:14:40.759 A good question. That's a good question for Compass, you know, yeah, yeah. 285 00:14:40.639 --> 00:14:43.200 It really, it really is a good question for them, 286 00:14:43.279 --> 00:14:47.159 because you know, the law seems to really encourage people 287 00:14:47.159 --> 00:14:51.559 to have insurance, but also monitors and polices the insurance 288 00:14:51.600 --> 00:14:55.519 companies to say Look, you can't penalize people and cancel 289 00:14:55.600 --> 00:14:58.480 them for claims that were not their fault. 290 00:14:58.759 --> 00:15:02.039 I get it, John, John, I appreciate it. I got it. 291 00:15:02.240 --> 00:15:04.279 I have to get to a break here. That's John 292 00:15:04.320 --> 00:15:07.320 Fuller Fuller Law. He's my attorney, he's Susanna and I's 293 00:15:07.360 --> 00:15:11.200 personal attorney. Anything to do with personal injury, and he's 294 00:15:11.320 --> 00:15:13.600 just the best out there. John Fuller Fuller Law, three 295 00:15:13.679 --> 00:15:16.919 oh three, five nine seven forty five hundred, Monica, I 296 00:15:16.960 --> 00:15:19.639 want to have finishing thoughts with you about it. John's 297 00:15:19.639 --> 00:15:22.159 got an issue with a pull behind motor. I have 298 00:15:22.279 --> 00:15:24.879 no idea what that means. We've got a problem with 299 00:15:24.960 --> 00:15:28.519 homeowner's insurance and a problem with a bodykit. We will 300 00:15:28.559 --> 00:15:33.519 have one line open shortly three zero three, Martino. 301 00:15:37.799 --> 00:15:41.039 Go with a sure thing Denver's Best roofer Excel Roofing 302 00:15:41.159 --> 00:15:43.799 dot com. You don't pay a cent until you're content. 303 00:15:47.159 --> 00:15:50.360 Time for an insurance check up free, no obligation. In comparison, 304 00:15:50.480 --> 00:15:54.000 call Compass Insurance paying too much your coverage at dozens 305 00:15:54.039 --> 00:15:56.799 of insurance companies. Find out now three oh three, seven 306 00:15:56.799 --> 00:15:59.159 to seven to one help. You'll think you're his only 307 00:15:59.240 --> 00:16:01.720 customer when you choose Frank Durand the real estate Man 308 00:16:01.759 --> 00:16:05.200 dot com to list your home with Remax Alliance three 309 00:16:05.200 --> 00:16:07.279 oh three nine two zero sixteen twenty two. 310 00:16:11.360 --> 00:16:14.000 All right, three three seven one three eight two five five. 311 00:16:14.000 --> 00:16:15.799 I'm a little worked up today if you can't tell. 312 00:16:15.840 --> 00:16:18.480 But here's the bottom line. There's a lot of bad 313 00:16:18.519 --> 00:16:20.080 guys out there. I want to finish up. 314 00:16:20.399 --> 00:16:20.799 By the way. 315 00:16:20.840 --> 00:16:22.639 This hour brought to you by Frank Duran, the real 316 00:16:22.759 --> 00:16:25.519 estate Man, a great friend of the show, great friend 317 00:16:25.559 --> 00:16:26.399 of Suzanne and I. 318 00:16:26.440 --> 00:16:27.919 In fact, I consider him a brother. 319 00:16:28.279 --> 00:16:30.360 And if you want the best realatu're out there, I'm 320 00:16:30.360 --> 00:16:32.759 gonna give you one stat that's amazing. You can look 321 00:16:32.799 --> 00:16:35.720 it up on MLS. He sells more homes for more 322 00:16:35.799 --> 00:16:39.080 money in one year or i'm sorry, in one month 323 00:16:39.320 --> 00:16:42.559 than most realators in Colorado selling a year. I'd argue 324 00:16:42.600 --> 00:16:45.559 it's about most realtors sell that many in a year 325 00:16:45.600 --> 00:16:47.600 and a half that he sells in one month. He's 326 00:16:47.679 --> 00:16:51.200 the best out there. His negotiation skills are the best, 327 00:16:51.399 --> 00:16:54.519 simple as that. Check him out at Frank durand Holmes 328 00:16:54.559 --> 00:16:56.720 dot com. If your house has been on the market 329 00:16:56.799 --> 00:16:59.799 too long and it's not moving, it's getting stale, call Frank. 330 00:17:00.320 --> 00:17:03.399 Frank duran homes dot Com. Now, I do want to 331 00:17:03.440 --> 00:17:06.240 finish up real quick. I did not like what John 332 00:17:06.279 --> 00:17:09.319 Fuller had to say, but Monica, he's the attorney. It 333 00:17:09.400 --> 00:17:13.200 looks like nothing's gonna happen here. I find it egregious. 334 00:17:13.279 --> 00:17:16.559 But that's the law in Colorado. So and that's what 335 00:17:16.640 --> 00:17:20.039 you agree to with the HOA document. So I at 336 00:17:20.119 --> 00:17:23.119 least we got answers on it, right, even though it feels, 337 00:17:23.200 --> 00:17:24.440 even though it hurts. 338 00:17:25.839 --> 00:17:28.480 Yeah, I hear you. I just I just hope I 339 00:17:28.480 --> 00:17:29.599 can find a company. 340 00:17:29.319 --> 00:17:30.079 That will ensure me. 341 00:17:30.240 --> 00:17:31.880 Well, have you called Compass? 342 00:17:32.599 --> 00:17:32.680 No? 343 00:17:32.839 --> 00:17:33.279 I haven't. 344 00:17:33.319 --> 00:17:34.799 I love to get number. 345 00:17:35.079 --> 00:17:35.400 Listen. 346 00:17:35.519 --> 00:17:38.200 I want you to, well, Suzanne, what is Compass's phone number? 347 00:17:38.240 --> 00:17:41.559 Three oh three nine nine six nine thousand. 348 00:17:41.759 --> 00:17:44.480 Three oh three nine nine six nine thousand. Call up there, 349 00:17:44.799 --> 00:17:47.559 say you just heard you just you just had Mark 350 00:17:47.599 --> 00:17:50.400 tell you to call up there. They're gonna search, Listen, 351 00:17:50.440 --> 00:17:53.559 They're gonna search like twenty different companies and get you 352 00:17:53.599 --> 00:17:55.680 the best deal out there. Here's what I hope. I 353 00:17:55.720 --> 00:17:58.559 hope they actually get you better insurance for less money. 354 00:17:59.240 --> 00:18:01.960 The other thing I did want to ask you, did 355 00:18:02.000 --> 00:18:05.640 you have any other claims besides the two that this 356 00:18:05.720 --> 00:18:06.960 woman caused. 357 00:18:08.039 --> 00:18:10.960 Only one that was the cause from the hoa external 358 00:18:11.079 --> 00:18:15.640 rock wall that they rebuilt, but that caused damage into 359 00:18:15.640 --> 00:18:16.559 my house as well. 360 00:18:17.240 --> 00:18:20.440 My god, but that wasn't your fault either, correct. 361 00:18:20.559 --> 00:18:22.079 I do want to ask Brian some I'm going to 362 00:18:22.119 --> 00:18:24.319 put you back on hold, Hey, Kelly, get me Brian 363 00:18:24.359 --> 00:18:27.680 Burns Compass Insurance, because John was saying, if it's like 364 00:18:27.759 --> 00:18:31.119 auto insurance auto insurance, if you're in a hit and run, 365 00:18:31.279 --> 00:18:33.759 someone hits you, runs and you have to turn it 366 00:18:33.799 --> 00:18:36.039 into your own insurance because you have no idea who 367 00:18:36.039 --> 00:18:38.759 they are. You're not supposed to get penalized for that. 368 00:18:39.079 --> 00:18:41.559 They're not supposed to up your rates, they're not supposed 369 00:18:41.599 --> 00:18:44.319 to cancel you. I want to find out if homeowners 370 00:18:44.559 --> 00:18:48.720 is the same way, and Brian Burns are expert. Compass 371 00:18:48.759 --> 00:18:52.400 Insurance is going to find that out for us. It's 372 00:18:52.519 --> 00:18:54.200 just it's crazy. 373 00:18:54.279 --> 00:18:55.039 I want to see. 374 00:18:55.119 --> 00:18:57.839 I have had no claims ever on my home ever 375 00:18:58.519 --> 00:19:02.200 though of claims on my automobile, and my rates go 376 00:19:02.319 --> 00:19:03.759 on twenty six percent. 377 00:19:03.839 --> 00:19:06.319 Yeah, it's well because of all the other claims. 378 00:19:06.359 --> 00:19:08.599 Yeah, but I've never had a claim and it's stilling 379 00:19:08.720 --> 00:19:09.720 up twenty six percent. 380 00:19:09.799 --> 00:19:11.519 Yeah, I know, it's Compass. 381 00:19:11.680 --> 00:19:15.559 But technically, what I'm saying, Doc, is that would happen 382 00:19:15.599 --> 00:19:18.279 anyhow because you didn't have any claims. But if you 383 00:19:18.559 --> 00:19:22.559 did have a claim that wasn't due to your negligence, 384 00:19:23.200 --> 00:19:26.640 and then your rates went up, if they went up 385 00:19:26.680 --> 00:19:30.000 over that twenty six percent, they'd be screwing you, right, 386 00:19:30.039 --> 00:19:31.640 But it's impossible to tell. 387 00:19:31.839 --> 00:19:33.599 How would you ever know what they're doing. 388 00:19:33.720 --> 00:19:34.319 It's crazy. 389 00:19:34.359 --> 00:19:38.400 There's sneaky, there's sneaky as hell. That's the bottom line. 390 00:19:38.440 --> 00:19:41.759 Oh there he is real quick. Brian Burns. Hey, automotive insurance, 391 00:19:41.799 --> 00:19:46.759 Brian Burns Compass insurance. Bottom line is automotive insurance. If 392 00:19:46.799 --> 00:19:49.759 you if a deer runs into your car and you 393 00:19:49.880 --> 00:19:51.960 have to put it through your own insurance, you're not 394 00:19:51.960 --> 00:19:56.400 supposed to get penalized by rate increases for that or 395 00:19:56.759 --> 00:19:57.599 getting canceled. 396 00:19:57.680 --> 00:19:58.359 Is that correct? 397 00:20:00.279 --> 00:20:02.759 They're not allowed to charge for coveration, thank you. 398 00:20:02.799 --> 00:20:04.720 How about homeowners. 399 00:20:06.359 --> 00:20:06.680 Effect? 400 00:20:06.839 --> 00:20:08.559 Okay, well then this is crazy. 401 00:20:08.759 --> 00:20:11.680 Then this I've got to figure out Monica, who is 402 00:20:11.720 --> 00:20:12.359 your carrier? 403 00:20:12.400 --> 00:20:14.920 By the way, American family. 404 00:20:15.119 --> 00:20:17.079 So she's got American family, Brian. 405 00:20:17.359 --> 00:20:20.920 She had two claims because the woman upstairs caused some 406 00:20:21.039 --> 00:20:24.119 kind of leak, So two different claims from there, and 407 00:20:24.160 --> 00:20:26.319 then she had another claim when they were building a 408 00:20:26.359 --> 00:20:30.160 retaining wall. It's a condo at the at the main property, 409 00:20:30.240 --> 00:20:33.839 you know, the common grounds. Something happened and that caused 410 00:20:33.920 --> 00:20:37.680 damage to hers. So she had three claims American families 411 00:20:37.880 --> 00:20:41.359 canceling her, and none of them were her fault. 412 00:20:41.440 --> 00:20:43.640 Not none of them. She didn't cause any of the issues. 413 00:20:44.440 --> 00:20:47.359 Yeah, but what I was saying, maybe I didn't explain 414 00:20:47.400 --> 00:20:49.039 that correctly or you didn't hear that. 415 00:20:49.119 --> 00:20:49.240 Right. 416 00:20:49.640 --> 00:20:52.400 For home claims, they do affect you. It doesn't matter 417 00:20:52.440 --> 00:20:53.319 if you're not at fault. 418 00:20:53.480 --> 00:20:58.759 I got you. It's just auto that comprehensive auto claims, 419 00:20:58.839 --> 00:20:59.400 I gotcha. 420 00:21:00.079 --> 00:21:02.240 But any kind of claim on the home or condo 421 00:21:02.319 --> 00:21:02.559 in this. 422 00:21:02.599 --> 00:21:04.759 Case, yep, I got you. 423 00:21:04.880 --> 00:21:07.960 Hey, Monica, I tried, man, I thought one more angle. 424 00:21:08.240 --> 00:21:10.599 I do want you to call Brian up though. Brian, 425 00:21:10.640 --> 00:21:13.319 here's the bottom line. I think I would love for 426 00:21:13.359 --> 00:21:15.759 you if you could call us back today during the 427 00:21:15.880 --> 00:21:18.680 show or reach out to Kelly. I want you to 428 00:21:18.720 --> 00:21:21.359 talk to Monica. She'll send you the deck page whatever 429 00:21:21.400 --> 00:21:24.480 you need. We'll give her the information if you could 430 00:21:24.559 --> 00:21:27.440 run the numbers. I know they canceled her. I don't 431 00:21:27.440 --> 00:21:29.720 know what her clue report's going to look like. But 432 00:21:29.799 --> 00:21:32.279 can you see if you can help her out? Seriously? 433 00:21:32.400 --> 00:21:35.039 Man, Yeah, there's three claims. 434 00:21:35.200 --> 00:21:36.880 It's gonna take more than today to do. 435 00:21:37.160 --> 00:21:39.839 I would have to send it out to Okay, that's margin. 436 00:21:40.079 --> 00:21:43.000 But yeah, okay, hold on, so Monica, that's gonna be 437 00:21:43.039 --> 00:21:45.359 the bottom line. I'm gonna put you both on hold. 438 00:21:45.359 --> 00:21:47.759 I got to take another break. But Monica, I want 439 00:21:47.759 --> 00:21:49.079 you to call Compass. 440 00:21:48.720 --> 00:21:52.279 Three oh three nine nine six nine thousand or Compass 441 00:21:52.319 --> 00:21:55.799 Insurance dot com three oh three nine nine six nine thousand. 442 00:21:56.119 --> 00:21:57.839 Ask for Brian. Just ask for Brian. 443 00:21:57.880 --> 00:21:59.839 I want you to deal directly with the owner, and 444 00:22:00.079 --> 00:22:02.440 then as soon as you get something back, I want 445 00:22:02.480 --> 00:22:03.079 you to call us. 446 00:22:03.079 --> 00:22:05.920 All right, Monica, Okay, I appreciate it. 447 00:22:05.920 --> 00:22:06.240 Thank you. 448 00:22:06.240 --> 00:22:08.359 Hey, I appreciate it too. I wish I had better 449 00:22:08.400 --> 00:22:11.000 news for you. I just can't believe the law is 450 00:22:11.160 --> 00:22:14.359 like that, that someone can cause damage and you get negatively, 451 00:22:14.759 --> 00:22:18.880 negatively affected. Your insurance company can't subrogate, you can't go 452 00:22:18.960 --> 00:22:19.480 after him. 453 00:22:19.640 --> 00:22:21.359 It just seems like a bunch of. 454 00:22:26.000 --> 00:22:29.240 Go with a sure thing. Denver's Best Roofer Excel Roofing 455 00:22:29.359 --> 00:22:32.000 dot com. You don't pay a cent until you're content. 456 00:22:35.359 --> 00:22:38.559 Time for an insurance checkup free, no obligation. In comparison, 457 00:22:38.680 --> 00:22:42.200 call Compass Insurance paying too much your coverage at dozens 458 00:22:42.240 --> 00:22:45.000 of insurance companies. Find out now three oh three seven 459 00:22:45.000 --> 00:22:47.359 to seven to one help. You'll think you're his only 460 00:22:47.440 --> 00:22:49.920 customer when you choose Frank durand the real estate Man 461 00:22:49.960 --> 00:22:53.400 dot com to list your home with Remax Alliance three 462 00:22:53.400 --> 00:22:56.720 oh three nine two zero sixteen twenty two. 463 00:22:57.839 --> 00:22:59.759 All right three O three seven one three A two 464 00:22:59.799 --> 00:23:00.400 five five. 465 00:23:00.480 --> 00:23:03.160 By the way, this hour brought to you by waterpros 466 00:23:03.240 --> 00:23:07.400 dot net. They have a new complete system that removes chlorine, 467 00:23:07.440 --> 00:23:11.440 It removes forever chemicals, It softens your water, it removes 468 00:23:11.440 --> 00:23:12.079 the hard water. 469 00:23:12.400 --> 00:23:14.680 On sale right now. This is a whole house unit. 470 00:23:14.960 --> 00:23:17.319 I dare you to look around on the internet right 471 00:23:17.359 --> 00:23:20.279 now and find a unit that does this softening in 472 00:23:20.319 --> 00:23:24.559 the forever chemical removal, in the chlorine removal for thirty 473 00:23:24.680 --> 00:23:28.559 six ninety five. That is an incredible price. That is 474 00:23:28.640 --> 00:23:32.359 Paul the waterman at waterpros dot net. We have one 475 00:23:32.400 --> 00:23:36.000 of their systems in our house and we absolutely love it. 476 00:23:36.279 --> 00:23:38.519 Waterpros dot net. He can come out and test your 477 00:23:38.559 --> 00:23:42.039 water for free as well. Waterpros dot net. Now we 478 00:23:42.119 --> 00:23:45.160 have one line open three three seven one three eight 479 00:23:45.240 --> 00:23:49.519 two five five. Holy moly, let's go to Lawrence. He's 480 00:23:49.559 --> 00:23:53.559 got an issue with a bodykit three oh three Martino. Hey, Lawrence, 481 00:23:53.759 --> 00:23:55.039 what is a bodykit? 482 00:23:56.799 --> 00:24:01.240 Well, it's a aftermarket tool for the car, and it 483 00:24:01.279 --> 00:24:06.599 goes around like skirts and bumper and the hood and 484 00:24:06.640 --> 00:24:07.160 everything like. 485 00:24:07.440 --> 00:24:09.319 So it makes it look fancy. 486 00:24:10.720 --> 00:24:13.079 Rest has aggressive look all right? 487 00:24:13.160 --> 00:24:13.400 Cool? 488 00:24:13.440 --> 00:24:15.119 So what happened? Where'd you purchase it? 489 00:24:16.279 --> 00:24:16.359 So? 490 00:24:16.480 --> 00:24:21.599 I purchased it online on car id and it came in. 491 00:24:22.200 --> 00:24:24.480 I was actually at a shop and the person that 492 00:24:24.799 --> 00:24:26.759 was going to do it was actually in a car accident. 493 00:24:26.799 --> 00:24:30.680 So it's therefore, Yeah, several months we were hoping that 494 00:24:30.720 --> 00:24:32.359 he would come back to work, but I guess he 495 00:24:32.400 --> 00:24:34.640 never did. So I had to go to a few 496 00:24:34.680 --> 00:24:36.640 other places, and hey, what kind. 497 00:24:36.440 --> 00:24:37.559 Of car is this, Lawrence? 498 00:24:38.680 --> 00:24:39.559 It is my dream car. 499 00:24:39.839 --> 00:24:43.000 It is the uh, the night Rider eighty three Firebird. 500 00:24:43.079 --> 00:24:45.359 Oh my goodness, are you trying to make it look 501 00:24:45.400 --> 00:24:45.960 like night Writer? 502 00:24:47.200 --> 00:24:49.119 No, No, that's that's theirs. I'm trying to do my 503 00:24:49.160 --> 00:24:49.920 own thing, all right. 504 00:24:50.000 --> 00:24:52.799 So basically, this eighty three Fireboard, when did you drop 505 00:24:52.839 --> 00:24:53.200 it off? 506 00:24:54.759 --> 00:24:55.200 Ah Man? 507 00:24:55.559 --> 00:24:57.000 If I got the kid like three years ago. 508 00:24:57.240 --> 00:24:59.519 Holy Holy, I'm okay, I'm not even going to ask 509 00:24:59.559 --> 00:25:01.920 anymore question. So go ahead. Where are we at now? 510 00:25:03.039 --> 00:25:04.920 So right now it's at a buddy of mine's house 511 00:25:05.079 --> 00:25:07.160 and he's been trying to get it on, and I 512 00:25:07.640 --> 00:25:10.039 went to other places. Like I said, it doesn't drive 513 00:25:10.599 --> 00:25:13.039 right now because I'm doing some other things to it. 514 00:25:13.279 --> 00:25:15.400 And so I've been taking pictures and stuff to other 515 00:25:15.440 --> 00:25:17.480 places and say, hey, this is the body kid, this 516 00:25:17.519 --> 00:25:18.359 is where I got it from. 517 00:25:18.440 --> 00:25:19.440 Yeah, and things like that. 518 00:25:19.480 --> 00:25:21.920 But everyone says they need to see the actual car 519 00:25:22.119 --> 00:25:22.960 and the body kid. 520 00:25:23.160 --> 00:25:25.559 Well, fair enough, But what's the problem right now? 521 00:25:25.599 --> 00:25:25.799 Man? 522 00:25:27.000 --> 00:25:29.200 Is just getting it on and finding someone that can actually. 523 00:25:29.000 --> 00:25:31.319 Oh, you're looking for someone that can get it going 524 00:25:31.440 --> 00:25:31.759 for you? 525 00:25:32.839 --> 00:25:33.079 Right? 526 00:25:33.440 --> 00:25:34.519 Oh that's interesting. 527 00:25:34.599 --> 00:25:37.839 You know what, Let's ask Shared and Auto Tech and 528 00:25:37.920 --> 00:25:39.480 any listeners out there. 529 00:25:40.039 --> 00:25:42.680 If you guys know anybody they can do it. 530 00:25:42.759 --> 00:25:47.079 I almost wonder if our friends at Michael's Autobody would 531 00:25:47.079 --> 00:25:49.400 be a good fit for this. 532 00:25:49.799 --> 00:25:52.039 I could text Michael said and ask him. 533 00:25:51.960 --> 00:25:54.480 Would you ask him if that's something they would do? 534 00:25:55.400 --> 00:25:57.799 Because they're the best man. They have worked on so 535 00:25:57.880 --> 00:26:00.319 many of our cars. You can't even tell that were 536 00:26:00.319 --> 00:26:02.960 worked on. I mean, it's that incredible. So hold on 537 00:26:03.000 --> 00:26:07.359 a second, Let's ask Kevin Caukin and Suzanne. We don't 538 00:26:07.400 --> 00:26:10.240 even got to call Kevin. Let's just reach out. Suzanne 539 00:26:10.279 --> 00:26:13.079 can do that, reach out to Jeff, Kevin, and then 540 00:26:13.119 --> 00:26:16.000 of course Michael and get their ideas. Hold on a second, 541 00:26:16.079 --> 00:26:18.759 Lawrence all right, three ZHO three seven one three A 542 00:26:18.880 --> 00:26:24.799 two five five, John Jones and Tiger Insurance man open enrollment. 543 00:26:24.880 --> 00:26:27.599 Let's talk about that real quick. When does it end? 544 00:26:28.000 --> 00:26:32.160 Officially January fifteenth? If if you've started the process through 545 00:26:32.160 --> 00:26:35.519 Connect for Health Colorado, you'll have until January seventeenth to 546 00:26:35.559 --> 00:26:39.279 complete that. But officially, technically it's January fifteenth. 547 00:26:39.079 --> 00:26:42.160 So who should be calling you guys? Right now? 548 00:26:42.240 --> 00:26:45.319 Let's get right down to the nitty gritty. Anybody on 549 00:26:45.359 --> 00:26:48.279 the exchange should be any I mean really, any employer 550 00:26:48.359 --> 00:26:50.400 should be I mean, give me an idea. 551 00:26:50.599 --> 00:26:53.279 Who should really call you before fifteenth? 552 00:26:53.319 --> 00:26:56.039 Well, certainly if you're an individual or family that has 553 00:26:56.200 --> 00:26:58.440 has not made a decision yet to buy to purchase 554 00:26:58.440 --> 00:27:02.799 health insurance for twenty ten twenty five, definitely please reach out. 555 00:27:03.039 --> 00:27:05.200 Wait you're talking? Is there a lot of people out 556 00:27:05.240 --> 00:27:06.599 there that simply have no coverage. 557 00:27:06.640 --> 00:27:09.039 Yeh, probably not. I mean most people, most people have 558 00:27:09.119 --> 00:27:12.039 it done and in place by the end of the 559 00:27:12.079 --> 00:27:14.319 first phase of open enrollment, so December fifteenth, for that 560 00:27:14.400 --> 00:27:17.680 January first effective date. But it is it's important just 561 00:27:17.720 --> 00:27:20.160 double check, double check to make sure that your. 562 00:27:21.000 --> 00:27:23.599 Old plan didn't get modify or cancel. 563 00:27:24.000 --> 00:27:26.000 That it was renewed if there are any changes to it. 564 00:27:26.079 --> 00:27:28.480 You do have until the fifteenth to ensure that you 565 00:27:28.519 --> 00:27:31.680 have coverage for the remainder of twenty twenty five effective 566 00:27:31.680 --> 00:27:33.480 February first. Now at this point, well. 567 00:27:33.319 --> 00:27:35.480 Well I'd say it's even more important because if we 568 00:27:35.480 --> 00:27:36.880 go back a year or two, what was. 569 00:27:36.839 --> 00:27:38.160 The one that went out of business? 570 00:27:38.440 --> 00:27:40.880 Well, so we had Bright Healthcare and Friday Health flans 571 00:27:40.880 --> 00:27:43.039 pretty much in the same like eight month period. 572 00:27:43.160 --> 00:27:45.119 Yeah, and they both went out and we had people 573 00:27:45.160 --> 00:27:48.240 call in that moved so they weren't receiving any mail 574 00:27:48.319 --> 00:27:50.920 or notifications and their coverage went away. 575 00:27:51.039 --> 00:27:53.960 Well, thankfully, I mean thankfully, we have a very stable 576 00:27:54.000 --> 00:27:57.359 market right now. All the carriers who are offering plans 577 00:27:57.720 --> 00:27:59.400 in our state right now have been around for a 578 00:27:59.440 --> 00:28:02.000 long time, and so it's. 579 00:28:01.680 --> 00:28:04.880 Not here's what's amazing to mean something like that. There's 580 00:28:04.920 --> 00:28:07.640 a lot of people out there that probably don't realize. 581 00:28:07.640 --> 00:28:09.960 So let's say it's a couple and they've got a 582 00:28:10.039 --> 00:28:12.359 kid or two kids or whatever, and they're only making 583 00:28:12.400 --> 00:28:15.640 forty thousand or whatever. They're just you know, they're getting by. 584 00:28:15.680 --> 00:28:18.839 They have an apartment somewhere. They might not even realize 585 00:28:18.960 --> 00:28:21.799 what those tax credits mean. They might get coverage for 586 00:28:21.839 --> 00:28:24.160 almost nothing, and you can punch those numbers. 587 00:28:24.359 --> 00:28:25.240 Yeah, it's true. 588 00:28:25.279 --> 00:28:27.640 It's true because those numbers move a little bit every 589 00:28:27.640 --> 00:28:31.799 single year based on how it's calculated. And so you know, 590 00:28:31.839 --> 00:28:34.119 I talked to multiple clients where they didn't get a 591 00:28:34.160 --> 00:28:35.880 tax credit in twenty twenty four, they are getting one 592 00:28:35.880 --> 00:28:38.640 in twenty twenty five. So we've made some changes there, 593 00:28:38.680 --> 00:28:38.880 and that. 594 00:28:39.640 --> 00:28:42.000 One of them, if it is a couple, and possibly 595 00:28:42.039 --> 00:28:45.319 one of them is not employed now, so it doesn't 596 00:28:45.359 --> 00:28:48.160 matter if they were only a portion of the bread winning. 597 00:28:48.640 --> 00:28:51.400 That could drastically change where you get the tax credits. 598 00:28:51.440 --> 00:28:54.640 Absolutely, And that's to another good point is make sure 599 00:28:55.000 --> 00:28:56.680 a lot of times for people who by the playing 600 00:28:56.680 --> 00:28:59.400 through connect for ealth Colorado, it's kind of out of sight, 601 00:28:59.440 --> 00:29:01.079 out of mind. Oh, it's just out of our news but 602 00:29:01.119 --> 00:29:03.119 if there's changes to your household, if you have a 603 00:29:03.200 --> 00:29:05.920 child who's no longer part you know, a tax dependent, 604 00:29:06.039 --> 00:29:09.119 but they're still on your plan and you're getting a 605 00:29:09.160 --> 00:29:11.119 tax credit for them, that needs to be changed. If 606 00:29:11.119 --> 00:29:14.279 there's been any certainly like you said, changes to income, 607 00:29:14.319 --> 00:29:17.160 things like that. So it is important every single year 608 00:29:17.160 --> 00:29:19.200 to go back in and make sure that the information 609 00:29:19.240 --> 00:29:21.839 on the application is correct. These guys, everything is. 610 00:29:21.960 --> 00:29:24.319 What we call them every year. We usually end up 611 00:29:24.319 --> 00:29:27.279 staying with the same people Suzanna and I. But you 612 00:29:27.279 --> 00:29:30.720 guys shop everything for us. I mean, and it's crazy 613 00:29:31.319 --> 00:29:33.960 not to call it really is you guys. 614 00:29:33.759 --> 00:29:36.200 Just let's put it this way. There's no money out 615 00:29:36.279 --> 00:29:37.079 of pocket. Period. 616 00:29:37.119 --> 00:29:39.799 The insurance companies are the ones that pay you. It's 617 00:29:39.839 --> 00:29:42.640 not like people come out to pay for your advice. 618 00:29:42.799 --> 00:29:44.839 And what I love about you guys and why we 619 00:29:44.920 --> 00:29:47.440 personally use you for so many years. You're not like 620 00:29:47.480 --> 00:29:50.799 these eight hundred numbers. They have a reason to sell 621 00:29:50.839 --> 00:29:53.359 some plans. It's the bottom line. They make more in 622 00:29:53.480 --> 00:29:55.920 some plans than they do others. That's just the way 623 00:29:55.960 --> 00:29:59.440 the insurance biz goes. The people over at Integer Insurance, 624 00:29:59.559 --> 00:30:02.759 they haven't integrity. My god, that's the bottom line, they're 625 00:30:02.799 --> 00:30:05.680 gonna say what's best for your family, and they'll do 626 00:30:05.720 --> 00:30:08.759 it every year. Three oh three four six six fifty 627 00:30:08.799 --> 00:30:11.559 five hundred. And any questions you have on health insurance, 628 00:30:11.759 --> 00:30:14.240 he's in studio with us today, give us a call. 629 00:30:14.519 --> 00:30:18.319 But Integra Insurance three oh three four sixty six fifty 630 00:30:18.359 --> 00:30:21.599 five hundred or Integrainsurance. 631 00:30:20.480 --> 00:30:22.319 Dot com call now. If you haven't. 632 00:30:22.160 --> 00:30:29.960 Checked, go with a sure thing Denver's best roofer Excel 633 00:30:30.039 --> 00:30:32.680 Roofing dot com. You don't pay a cent until you're 634 00:30:32.720 --> 00:30:38.960 contenth time for an insurance check up free no obligation 635 00:30:39.079 --> 00:30:42.960 comparison call Compass Insurance. Paying too much your coverage at 636 00:30:43.000 --> 00:30:45.759 dozens of insurance companies find out now three oh three 637 00:30:45.920 --> 00:30:48.039 seven to seven to one help. You'll think you're his 638 00:30:48.200 --> 00:30:50.799 only customer when you choose Frank durand the real estate 639 00:30:50.880 --> 00:30:54.119 Man dot com to list your home with Remax Alliance 640 00:30:54.359 --> 00:30:56.759 three oh three nine two zero sixteen twenty. 641 00:30:56.480 --> 00:31:03.799 Two Kwindows dot com. 642 00:31:03.839 --> 00:31:07.079 You're looking for beautiful oupen windows. By the way, those 643 00:31:07.119 --> 00:31:11.160 windows are made right here in Colorado for Colorado's And 644 00:31:11.480 --> 00:31:14.960 here's why, man, The energy efficiency is pretty close to 645 00:31:15.000 --> 00:31:18.680 the drywall. With insulation and everything. These windows are great 646 00:31:18.680 --> 00:31:23.160 for mountain houses. They're absolutely beautiful, great warranties in Khwindows 647 00:31:23.160 --> 00:31:28.519 dot Com is a probably one of their biggest installers. 648 00:31:28.599 --> 00:31:31.240 I mean, they're just great. Go to khwindows dot com 649 00:31:31.240 --> 00:31:33.640 when you're looking for windows and reach out to them 650 00:31:33.759 --> 00:31:39.440 Khwindows dot com. Now, did we hear anything back, Suzanne 651 00:31:39.440 --> 00:31:42.799 from any of our automotive people for Lawrence. 652 00:31:43.599 --> 00:31:47.240 I have heard back from Michael Sato with Michael's autobody. 653 00:31:47.319 --> 00:31:50.480 He said they don't do it, but wild Child Customs 654 00:31:50.519 --> 00:31:52.799 down there in Castle Rock might be a good option. 655 00:31:53.440 --> 00:31:56.119 Still waiting to hear back from our own car guys, 656 00:31:56.240 --> 00:31:57.920 Jeffyk and Kevin Call. 657 00:31:58.359 --> 00:32:01.279 So, Lawrence, one we want you to check is wild 658 00:32:01.359 --> 00:32:02.960 What is called? 659 00:32:03.559 --> 00:32:07.519 It is called wild Child Customs in Castle Rocks. 660 00:32:07.519 --> 00:32:10.680 Wild Child Customs. Got that I do? 661 00:32:10.720 --> 00:32:11.039 All right? 662 00:32:11.079 --> 00:32:13.079 Hold on, We're hopefully we get two more texts. 663 00:32:13.079 --> 00:32:15.000 I can even let you go, man, if you're gonna 664 00:32:15.000 --> 00:32:19.079 be listening, we'll say it over the air what they are, okay, okay? 665 00:32:19.559 --> 00:32:21.839 And then I want feedback from your brother. I mean, 666 00:32:22.319 --> 00:32:25.119 we're we're asking people that we know and trust, so 667 00:32:25.160 --> 00:32:27.519 they're gonna be good. But I want to know when 668 00:32:27.559 --> 00:32:31.400 it's all done, how good you follow absolutely, all right, 669 00:32:31.440 --> 00:32:34.400 thanks Lawrence three O three seven one three eight two 670 00:32:34.480 --> 00:32:37.680 five five. We're gonna have two lines open three zero 671 00:32:37.920 --> 00:32:39.119 three Martino. 672 00:32:39.839 --> 00:32:47.519 Susan, what is going on with you? Susan? 673 00:32:47.880 --> 00:32:48.200 Hello? 674 00:32:48.480 --> 00:32:49.720 Yes, how are you? Susan? 675 00:32:50.119 --> 00:32:50.440 Hello? 676 00:32:50.880 --> 00:32:53.200 Yes, Hello, I am doing well. 677 00:32:53.759 --> 00:32:54.200 Hello. 678 00:32:55.599 --> 00:32:56.039 Hello. 679 00:32:57.720 --> 00:33:00.480 My I have. 680 00:33:02.240 --> 00:33:02.920 A couple of. 681 00:33:02.799 --> 00:33:09.519 Friends eighty eight and seventy seven, and they have a 682 00:33:09.519 --> 00:33:17.119 homeowner's policy that I was shocked to find out sixteen 683 00:33:17.200 --> 00:33:18.400 thousand dollars. 684 00:33:18.720 --> 00:33:21.240 Okay, hold on, let's why hold on, Let's start over 685 00:33:21.279 --> 00:33:24.160 here because we had a very rocky start. 686 00:33:24.200 --> 00:33:26.920 I think we each said hello seventy five times. So 687 00:33:27.039 --> 00:33:30.839 let me ask you this, Susan. The people live in 688 00:33:30.880 --> 00:33:32.920 the same house or two different homes. 689 00:33:35.359 --> 00:33:36.920 They live in the same house. 690 00:33:36.720 --> 00:33:39.559 And their homeowners each year is how much. 691 00:33:42.880 --> 00:33:45.559 They're built for This year is going to be over 692 00:33:45.640 --> 00:33:48.880 twenty two thousand. They're built from last. 693 00:33:48.799 --> 00:33:51.200 Oh wait, wait, I thought you said. I thought you 694 00:33:51.240 --> 00:33:54.759 said sixteen hundred. Wait a second, I mean, who are 695 00:33:54.799 --> 00:33:56.119 these the Rockefellers. 696 00:33:56.240 --> 00:33:57.480 What kind of house is this? 697 00:34:00.200 --> 00:34:04.480 It is a plane Jane little house in Boulder County. 698 00:34:05.599 --> 00:34:09.239 I had State Farm give me a quote, and I 699 00:34:09.320 --> 00:34:15.000 went down line by line and I got him a 700 00:34:15.039 --> 00:34:19.719 quote with a million dollar umbrella policy for five thousand dollars? 701 00:34:20.039 --> 00:34:22.480 Well, why are they why didn't they switch to that? 702 00:34:22.599 --> 00:34:25.719 I don't like State Farm, but why would they renew 703 00:34:25.760 --> 00:34:29.480 that twenty two thousand dollars? And what insurance company is 704 00:34:29.599 --> 00:34:30.599 charging that amount? 705 00:34:33.000 --> 00:34:33.239 Right? 706 00:34:33.599 --> 00:34:41.239 So it's a farmer's insurance and it is written the 707 00:34:42.000 --> 00:34:45.519 group is Crest Insurance and Longmont. 708 00:34:46.800 --> 00:34:50.280 Twenty two thousand for the year, and then you quoted 709 00:34:50.320 --> 00:34:54.400 it for five thousand, five. 710 00:34:54.280 --> 00:34:55.559 Thousand from State Farm. 711 00:34:55.679 --> 00:34:58.519 Now why Okay, let's just go to the real basics. 712 00:34:58.719 --> 00:35:01.960 So you are already did a lot of the legwork here. 713 00:35:02.159 --> 00:35:04.480 So what is your question for me? 714 00:35:07.039 --> 00:35:09.920 I was wondering if there was any way I mean, 715 00:35:10.679 --> 00:35:12.960 is there any way to get any of their money back? 716 00:35:13.039 --> 00:35:15.119 I mean, were they just ripped off all these years 717 00:35:15.159 --> 00:35:18.840 because they're older and taken. 718 00:35:18.639 --> 00:35:21.000 Advantage of Well to me, it sure sounds like it 719 00:35:21.760 --> 00:35:25.000 what I would like. Can you get do you happen 720 00:35:25.079 --> 00:35:25.800 to have? Listen? 721 00:35:26.519 --> 00:35:28.639 I don't think we're going to get the money back, period, 722 00:35:28.719 --> 00:35:31.440 but I do want to check into this for another reason. 723 00:35:31.800 --> 00:35:34.639 I want to see if these brokers did something wrong. 724 00:35:34.960 --> 00:35:37.119 I really do. So when I say there's no way 725 00:35:37.159 --> 00:35:40.039 to get money back. That might not be true. I 726 00:35:40.639 --> 00:35:43.000 need to know what's going on, though, I need a 727 00:35:43.079 --> 00:35:45.800 copy of the policy they have. Let me put you 728 00:35:45.920 --> 00:35:49.280 on hold. Listen, Susan, I really want to dig into 729 00:35:49.320 --> 00:35:53.639 this one. The difference between five and twenty two thousand 730 00:35:53.880 --> 00:35:56.440 is insane. I got to make sure the coverage is 731 00:35:56.639 --> 00:35:57.360 very similar. 732 00:35:57.400 --> 00:35:57.679 Though. 733 00:35:58.079 --> 00:36:00.400 I don't know what's going on here, but this could 734 00:36:00.679 --> 00:36:02.280 be something really bad. 735 00:36:03.000 --> 00:36:04.599 We just got to look at it. Susan. 736 00:36:04.719 --> 00:36:07.280 Please get me those docks and hold on the phone. 737 00:36:07.320 --> 00:36:09.760 Two lines open, three oh three Martino. 738 00:36:09.920 --> 00:36:13.199 Go with a sure thing Denver's best roofer Excel Roofing 739 00:36:13.320 --> 00:36:13.880 dot com. 740 00:36:13.920 --> 00:36:15.960 You don't pay a cent until you're content. 741 00:36:19.320 --> 00:36:22.519 Time for an insurance check up free, no obligation comparison 742 00:36:22.639 --> 00:36:26.199 call Compass Insurance paying too much your coverage at dozens 743 00:36:26.199 --> 00:36:28.920 of insurance companies find out now three oh three, seven 744 00:36:28.960 --> 00:36:31.320 to seven to one help. You'll think you're his only 745 00:36:31.400 --> 00:36:33.880 customer when you choose Frank Durand the real estate Man 746 00:36:33.920 --> 00:36:37.360 dot com to list your home with Remax Alliance three 747 00:36:37.360 --> 00:36:39.679 oh three nine two zero sixteen twenty two. 748 00:36:45.639 --> 00:36:48.239 Rio News. 749 00:36:50.159 --> 00:36:55.639 So you don't have un anxious ass as you can. 750 00:36:56.920 --> 00:36:59.039 So that's gonna help coming. 751 00:36:59.400 --> 00:36:59.960 Man. 752 00:37:00.400 --> 00:37:04.679 This is the Troubleshooter Show. No Tol Martinez. 753 00:37:05.960 --> 00:37:07.840 Welcome my friends to the only show it's kind. 754 00:37:07.840 --> 00:37:12.119 We're here to solve problems and answer questions, take complaints. Hey, listen, 755 00:37:12.199 --> 00:37:14.800 if you've been ripped off or taking advantage of you know, 756 00:37:14.840 --> 00:37:17.679 we really do dig in. We really want to help you. 757 00:37:18.119 --> 00:37:20.639 I want to recoup money for you more than anything, 758 00:37:20.679 --> 00:37:23.360 but we also want to protect you. So if something's 759 00:37:23.400 --> 00:37:25.159 going on in your life right now and you're not 760 00:37:25.239 --> 00:37:28.079 so sure, maybe maybe a few hairs on the back 761 00:37:28.079 --> 00:37:29.960 of your neck are standing up. You're like, yeah, I 762 00:37:29.960 --> 00:37:32.599 don't know if I can trust this contractor. I mean, 763 00:37:32.599 --> 00:37:35.039 give us a call. It's good to get help prior 764 00:37:35.119 --> 00:37:36.639 to getting ripped off as well. 765 00:37:37.360 --> 00:37:37.599 Man. 766 00:37:37.639 --> 00:37:39.760 We have dealt with a lot of cases. We've going 767 00:37:39.840 --> 00:37:43.679 to do some updates in studio with me. By the way, 768 00:37:44.440 --> 00:37:49.639 John Jones Integra Insurance and there are healthcare experts, man, 769 00:37:49.719 --> 00:37:52.400 they really are our health insurance experts. I do want 770 00:37:52.440 --> 00:37:55.800 to tell everybody out there though, that this hour, my friends, 771 00:37:55.920 --> 00:37:59.119 This hour is brought to you by Frank Duran, the 772 00:37:59.159 --> 00:38:00.000 real estate man. 773 00:38:00.679 --> 00:38:03.880 I love Frank. He has saved us so much money 774 00:38:04.239 --> 00:38:06.519 and he has made us so much money. He's one 775 00:38:06.519 --> 00:38:09.079 of the best realtors out there. And if you want 776 00:38:09.079 --> 00:38:11.039 to sell your house, I want you to call Frank 777 00:38:11.400 --> 00:38:15.960 check him out at Frank Duran Holmes dot com. Now, 778 00:38:17.360 --> 00:38:19.760 John Jones Junior, and John, I'm going to go to 779 00:38:19.760 --> 00:38:22.159 you with this poll behind motor in just second, I promise, 780 00:38:22.400 --> 00:38:25.400 and we do have lines open three oh three seven, one, 781 00:38:25.480 --> 00:38:28.440 three eight, two five five. You've got any questions, you 782 00:38:28.519 --> 00:38:31.960 got any problems. We love going after the bad guys. 783 00:38:32.119 --> 00:38:35.199 Three oh three Martino, three oh three Martino. By the way, 784 00:38:35.199 --> 00:38:37.639 you can join us on YouTube and you can hear 785 00:38:37.719 --> 00:38:38.679 us talk to her in the brakes. 786 00:38:38.679 --> 00:38:41.599 You go to YouTube dot com. You type in troubleshoot 787 00:38:41.599 --> 00:38:44.599 her network. You'll find our live stream. It's every day 788 00:38:44.679 --> 00:38:48.000 mountains own time ten am to two pm. You can 789 00:38:48.079 --> 00:38:50.760 join the chat. You can ask questions there. And thinking 790 00:38:50.760 --> 00:38:54.239 about that, we had a good question from someone, uh 791 00:38:54.280 --> 00:38:57.280 someone on Todd on YouTube is getting ready to turn 792 00:38:57.320 --> 00:39:02.840 sixty three? Okay, when does he are wondering what kind 793 00:39:02.880 --> 00:39:04.719 of coverage he should get with medicare? 794 00:39:04.760 --> 00:39:07.039 In other words, should I get advantage? 795 00:39:07.360 --> 00:39:11.800 In fact, tell us really quick medicare advantage versus medicare 796 00:39:11.880 --> 00:39:12.639 with supplements. 797 00:39:12.639 --> 00:39:13.519 What's the difference. 798 00:39:14.639 --> 00:39:15.639 Try to be quick about that. 799 00:39:15.840 --> 00:39:18.360 A supplement simply does what it sounds is supplements Medicare. 800 00:39:18.400 --> 00:39:21.039 So Medicare A and B remains your primary health insurance coverage, 801 00:39:21.039 --> 00:39:23.039 and then you have supplements that you could select from 802 00:39:23.159 --> 00:39:26.760 a supplement from multiple that would supplement and fill in. 803 00:39:26.840 --> 00:39:31.039 It's also called medic gaps. So you've heard different terminology Medicare, supplement, 804 00:39:31.079 --> 00:39:34.159 metic gap, they're synonymous. They fill in the gaps or 805 00:39:34.199 --> 00:39:35.760 supplement original Medicare. 806 00:39:36.079 --> 00:39:39.639 For example, if I have original Medicare, sure and I 807 00:39:39.840 --> 00:39:44.559 go into the doctors for anything with the exception of 808 00:39:44.599 --> 00:39:48.280 a physical each year, Okay, if I go in. 809 00:39:48.440 --> 00:39:50.519 Do I have a copay? Generally, well I have to 810 00:39:50.559 --> 00:39:52.280 pay whatever twenty. 811 00:39:53.440 --> 00:39:55.440 Well, so that would be Medicare Part B. That's your 812 00:39:55.480 --> 00:39:56.840 outpatient care. That's no. 813 00:39:56.920 --> 00:39:58.639 But you're saying that that's a supplement. 814 00:39:58.840 --> 00:40:01.239 Well, well, so you you would have a you get 815 00:40:01.280 --> 00:40:04.079 Medicare Part A and then you apply for me or 816 00:40:04.119 --> 00:40:06.719 you get you pay for Medicare Part B. You a 817 00:40:06.719 --> 00:40:08.960 monthly premium for Medicare Part B. You have to buy 818 00:40:08.960 --> 00:40:11.679 a gearty for free if you want to supplement or 819 00:40:11.719 --> 00:40:13.920 an advantage plan. I mean and is certainly recommended because 820 00:40:13.960 --> 00:40:17.239 Medicare Part A is hospitalization. Medicare Part B is your 821 00:40:17.239 --> 00:40:19.000 outpatient care. That would be like your LAS. That's what 822 00:40:19.039 --> 00:40:21.119 I want to services, X rays, things like that, durble 823 00:40:21.159 --> 00:40:24.280 medical equipment under Medicare Part B and so yes, under 824 00:40:24.280 --> 00:40:26.760 Medicare Part B, you have a Part B deductible. It's 825 00:40:26.760 --> 00:40:29.280 two hundred and fifty seven dollars. Next year, then you 826 00:40:29.320 --> 00:40:32.000 have twenty percent co insurance. Or next year it's this year. 827 00:40:32.039 --> 00:40:34.000 Now that we're in twenty twenty five, so then you 828 00:40:34.000 --> 00:40:37.199 have twenty percent co insurance. The supplements, depending on what 829 00:40:37.199 --> 00:40:39.320 supplement you have, might take some of that up. 830 00:40:39.360 --> 00:40:40.840 Hold on, I want to dig into it a little 831 00:40:40.840 --> 00:40:43.320 more so I truly understand it because I'm not close 832 00:40:43.360 --> 00:40:47.719 to that age yet. So if i have Medicare Part A. 833 00:40:47.719 --> 00:40:50.559 And B only, sure, and I go into a hospital 834 00:40:50.679 --> 00:40:54.119 and i end up I'm fighting something horrible and I've 835 00:40:54.159 --> 00:40:56.719 got a two hundred thousand dollars bill, right, are you 836 00:40:56.760 --> 00:40:58.360 telling me I'm paying twenty percent? 837 00:40:58.480 --> 00:40:58.519 No? 838 00:40:58.639 --> 00:41:01.360 No, no, no, that's Part A. So PARTA is hospitalization, 839 00:41:01.480 --> 00:41:04.519 it covers everything. Well, no, parday, you have a deductible 840 00:41:04.559 --> 00:41:07.159 as well, and that's days one through sixty in the hospital, 841 00:41:07.239 --> 00:41:10.119 day sixty one through ninety you pay a co insurance idea, 842 00:41:10.360 --> 00:41:12.119 how much that is it's a little more than it's 843 00:41:12.159 --> 00:41:15.840 like sixteen thirty I'm trying for twenty twenty five, sixteen 844 00:41:15.880 --> 00:41:18.119 thirty thirty seven right around there. I can look it 845 00:41:18.159 --> 00:41:20.519 up specifically for twenty twenty five years number to increase 846 00:41:20.519 --> 00:41:23.199 a little bit, but it's one thousand, six hundred thirty 847 00:41:23.960 --> 00:41:26.719 is that's your maximum, that's your deductible, and that's that's 848 00:41:26.760 --> 00:41:29.519 separated by sixty days, and so it's not an annual 849 00:41:29.639 --> 00:41:33.599 deductible twenty percent there not on that one. Now on 850 00:41:33.760 --> 00:41:35.920 b that's for days one through sixty. Then once you 851 00:41:36.000 --> 00:41:38.440 hit day sixty one in the hospital becomes a per 852 00:41:38.519 --> 00:41:41.519 day co insurance, and then day six ninety, how. 853 00:41:41.039 --> 00:41:43.920 Much roughly is the cod day the per day it's. 854 00:41:43.800 --> 00:41:46.880 Four hundred and thirty in twenty twenty four to fourth 855 00:41:47.719 --> 00:41:49.199 off the top, but it's we're four to thirty right 856 00:41:49.239 --> 00:41:50.519 around there. I can again, I can give you the 857 00:41:50.559 --> 00:41:53.880 exactly wait a minute per day day sixty one through ninety, 858 00:41:53.920 --> 00:41:55.719 and then days ninety one through one hundred and fifty 859 00:41:55.719 --> 00:41:57.840 that doubles per day, and then day one hundred and 860 00:41:57.880 --> 00:41:58.719 fifty one and on. 861 00:41:58.800 --> 00:42:01.079 And these are life most people would be bankrupt. 862 00:42:01.159 --> 00:42:03.199 Medicare pays nothing after day one hundred and fifty one 863 00:42:03.239 --> 00:42:05.079 in the day one hundred and fifty in the hospital. Oh, 864 00:42:06.199 --> 00:42:09.280 that's why a supplement exists. So a supplement. 865 00:42:09.480 --> 00:42:11.239 Hold on, I want to go to b real quick. 866 00:42:11.760 --> 00:42:13.960 So you have to go in for a cat scan 867 00:42:14.280 --> 00:42:17.119 or something like that. You end up paying twenty percent 868 00:42:17.159 --> 00:42:18.400 with a maximum of what. 869 00:42:18.639 --> 00:42:22.480 For the year, There is no maximum and again and 870 00:42:22.519 --> 00:42:24.159 that's after you're deductive, okay. 871 00:42:24.280 --> 00:42:26.480 And that's why people by the supplet. 872 00:42:26.119 --> 00:42:28.719 Exactly to fill in those gaps to give you that. 873 00:42:29.119 --> 00:42:31.840 Now how much? 874 00:42:31.880 --> 00:42:33.840 And I know it's all based on income and social 875 00:42:33.880 --> 00:42:37.559 security and everything else, but generally speaking, I don't know 876 00:42:37.599 --> 00:42:40.039 if you know a media number, but what do people 877 00:42:40.159 --> 00:42:42.920 spend on just Part A in Part B out of 878 00:42:42.960 --> 00:42:43.960 their social security? 879 00:42:45.079 --> 00:42:47.519 So for most people, Part A is free. You've been 880 00:42:47.559 --> 00:42:50.639 paying into that work hours all you've been most people 881 00:42:50.679 --> 00:42:53.480 are already paid for it. Part B the base premium 882 00:42:53.519 --> 00:42:55.480 is one hundred and eighty five this year, and so 883 00:42:55.519 --> 00:42:58.320 you're going to pay that. And if you're taking social Security, 884 00:42:58.320 --> 00:43:01.239 that comes automatically out of your social security. If you're 885 00:43:01.280 --> 00:43:03.280 not taking Social Security, you pay that. 886 00:43:03.280 --> 00:43:06.920 Core is that one hundred and eighty five a year? No, No, 887 00:43:06.960 --> 00:43:10.320 that's monthly monthly, So you're paying roughly twenty four hundred. 888 00:43:10.239 --> 00:43:12.360 Correct, And that's the base premium for Part B. It 889 00:43:12.440 --> 00:43:14.400 is correct that if you've had higher income in there 890 00:43:14.400 --> 00:43:17.760 are it's called ERMA and the adjustment amount it could 891 00:43:17.760 --> 00:43:19.880 be higher, and there's different levels of IRMA IR. 892 00:43:20.079 --> 00:43:22.280 So right there, you're getting twenty four hundred out of 893 00:43:22.280 --> 00:43:26.280 your Social Security per year roughly average Joe. Right, Okay, 894 00:43:26.320 --> 00:43:29.960 Now let's talk supplements. If I wanted to supplement that 895 00:43:30.000 --> 00:43:32.079 covers all the gaps, is there such thing? 896 00:43:32.679 --> 00:43:36.719 The most comprehensive now is the Plan G would be 897 00:43:36.760 --> 00:43:39.559 your most comprehensive Medicare supplement. It's going to cover everything, 898 00:43:39.840 --> 00:43:43.320 all your Part E so inpatient hospital expenses and your 899 00:43:43.360 --> 00:43:45.960 Part B twenty percent. The only thing the Plan G 900 00:43:46.079 --> 00:43:48.079 does not cover is that part be deductible. 901 00:43:48.360 --> 00:43:50.800 Well, okay, hold on, so but this part GE this 902 00:43:50.880 --> 00:43:54.559 sounds incredible because we already know if you're day sixty 903 00:43:54.599 --> 00:43:57.559 one in the hospital, your four hundred plus out of 904 00:43:57.599 --> 00:44:01.840 pocket every single day, right, So if you have this, 905 00:44:02.000 --> 00:44:02.880 you're not correct. 906 00:44:03.119 --> 00:44:05.039 And then if you. And then is. 907 00:44:05.000 --> 00:44:07.079 There a cap still I think you said one hundred 908 00:44:07.079 --> 00:44:08.079 and fifty days in the host. 909 00:44:08.800 --> 00:44:10.639 The Plan G is going to take care of all 910 00:44:10.719 --> 00:44:11.239 your part eg. 911 00:44:11.480 --> 00:44:14.119 Oh my god. And let's say let's go back to 912 00:44:14.119 --> 00:44:15.719 average Joe. How much is that part? 913 00:44:15.960 --> 00:44:17.840 It depends. It depends where you live. It depends on 914 00:44:17.880 --> 00:44:20.719 your rating area for most people Colorado right here, Well, 915 00:44:20.719 --> 00:44:23.159 I understand, but different areas. There are different rating areas 916 00:44:23.239 --> 00:44:26.800 within the state of Colorado. And so, but for most people, 917 00:44:26.880 --> 00:44:29.159 we find the Plan G. For a mal if you're 918 00:44:29.199 --> 00:44:31.679 turning sixty five, you're in that one thirty to one 919 00:44:31.800 --> 00:44:35.880 sixty a month range. For a female anywhere between one fifteen. 920 00:44:37.679 --> 00:44:37.960 Change. 921 00:44:38.239 --> 00:44:40.559 Well dependent, I mean for some people and for a 922 00:44:40.559 --> 00:44:41.079 lot of people. 923 00:44:41.360 --> 00:44:44.880 If you ever need that coverage, you had shape sir, 924 00:44:45.199 --> 00:44:48.000 my god, one day in the hospital, day sixty one 925 00:44:48.320 --> 00:44:49.559 pays for three months. 926 00:44:49.639 --> 00:44:49.960 It is. 927 00:44:50.079 --> 00:44:52.199 It is the most popular plan when it comes to 928 00:44:52.239 --> 00:44:52.880 a medica. 929 00:44:52.639 --> 00:44:55.159 And then how about how about does that cover any 930 00:44:55.280 --> 00:44:56.719 kind of medication whatsoever? 931 00:44:56.880 --> 00:44:58.679 No, So if you have a supplement that would be 932 00:44:58.840 --> 00:45:01.599 Medicare Part D, you do need to get a separate prescription. 933 00:45:01.880 --> 00:45:04.400 How does that work? Could how much is that? And 934 00:45:04.440 --> 00:45:06.119 basically does that cover everything? 935 00:45:06.199 --> 00:45:08.559 No? No, it certainly depends. And so that's what we 936 00:45:08.639 --> 00:45:11.679 do when we are, you know, fact finding and we're 937 00:45:11.719 --> 00:45:14.280 doing the needs analysis with our clients. We're getting that 938 00:45:14.360 --> 00:45:16.559 information out of your prescriptions and we can put that 939 00:45:16.599 --> 00:45:19.320 through Medicare dot go and see which plan is going 940 00:45:19.320 --> 00:45:21.280 to be best for you, because those are those Medicare 941 00:45:21.320 --> 00:45:24.000 part deprescription drug plans are offered by private health insurance 942 00:45:24.000 --> 00:45:27.119 companies and depending on what your prescription drug needs are, 943 00:45:27.239 --> 00:45:29.159 it could be different. What is best for you? 944 00:45:29.360 --> 00:45:31.639 Now, listen, I got to take this break and then 945 00:45:31.639 --> 00:45:33.599 when we come back, I'm going to jump right over 946 00:45:34.119 --> 00:45:37.079 to the phones. But the other thing, I heard a 947 00:45:37.159 --> 00:45:42.719 nightmare story from Suzanne's mother. They're on advantage, and I 948 00:45:42.800 --> 00:45:44.599 want to run this by you. I just heard it 949 00:45:44.639 --> 00:45:46.760 about a week ago when we were out visiting them. 950 00:45:47.119 --> 00:45:49.920 But it's crazy. I'm starting to think, and there's a 951 00:45:49.920 --> 00:45:52.519 lot of people out there listening. I don't know if 952 00:45:52.559 --> 00:45:54.960 you agree with me or not, because I haven't had either. 953 00:45:55.280 --> 00:46:00.519 But I heard advantage can be an absolute nightmare depending 954 00:46:00.519 --> 00:46:04.360 on where you live, what coverage. But we'll dig into 955 00:46:04.360 --> 00:46:06.800 that in a second. I think there's some benefits to it, 956 00:46:06.880 --> 00:46:09.079 especially if you're very low income but. 957 00:46:09.039 --> 00:46:16.519 Holdline, go with a sure thing Denver's Best roofer Excel 958 00:46:16.639 --> 00:46:19.719 Roofing dot com. You don't pay a cent until you're content. 959 00:46:23.079 --> 00:46:26.280 Time for an insurance checkup free, no obligation. In comparison, 960 00:46:26.400 --> 00:46:29.960 call Compass Insurance paying too much your coverage at dozens 961 00:46:30.000 --> 00:46:32.719 of insurance companies find out now three O three seven 962 00:46:32.719 --> 00:46:35.079 to seven to one help. You'll think you're his only 963 00:46:35.159 --> 00:46:37.639 customer when you choose Frank durand the real estate Man 964 00:46:37.679 --> 00:46:41.079 dot com to list your home with Remax Alliance three 965 00:46:41.159 --> 00:46:43.199 oh three nine two zero sixteen twenty two. 966 00:46:46.719 --> 00:46:50.159 Hey, don't forget about Compass Insurance in factor behind the 967 00:46:50.199 --> 00:46:52.400 scenes right now, trying to help that lady out take 968 00:46:52.440 --> 00:46:57.559 act canceled because of her neighbor basically destroying your ceiling 969 00:46:57.599 --> 00:46:58.400 and some other stuff. 970 00:46:58.440 --> 00:47:00.280 But you send over your deck page. 971 00:47:00.280 --> 00:47:02.920 They're going to shop thirty companies, but more importantly, they're 972 00:47:02.920 --> 00:47:05.639 going to make sure you're not under insured. You realize 973 00:47:05.639 --> 00:47:08.760 all the people in Boulder for the Boulder fires, ninety 974 00:47:08.880 --> 00:47:11.480 five percent of them were under insured. A lot of 975 00:47:11.519 --> 00:47:14.840 them lost their house and didn't have enough money to rebuild. 976 00:47:14.880 --> 00:47:18.280 I mean, it was really a sad deal. We've appreciated 977 00:47:18.320 --> 00:47:21.039 in value in homes in Colorado so much. You better 978 00:47:21.079 --> 00:47:23.800 make sure but call Compass up, go to Compass Insurance 979 00:47:23.840 --> 00:47:27.480 dot com and please check them out. It's really important stuff. 980 00:47:27.679 --> 00:47:31.760 I'm looking at these fires in California. My goodness, man, 981 00:47:31.800 --> 00:47:35.199 I remember the boulderfires. Suzannah and I were flying out 982 00:47:36.039 --> 00:47:37.920 to go. I think we were going to Las. 983 00:47:37.840 --> 00:47:40.760 Vegas or something New years yeah, like two years ago 984 00:47:40.920 --> 00:47:41.239 or whatever. 985 00:47:41.559 --> 00:47:44.519 Oh my god. The plane it was literally the day 986 00:47:44.559 --> 00:47:46.840 of the fires. The plane was jumping up and down. 987 00:47:46.880 --> 00:47:49.039 I couldn't figure out how the wings were staying on. 988 00:47:50.000 --> 00:47:52.119 It was kind of funny, you know. It was a 989 00:47:52.159 --> 00:47:55.440 frontier flight, so it's like a city bus basically, and 990 00:47:55.599 --> 00:47:58.199 everybody's talking and just having kind of a good time. 991 00:47:58.239 --> 00:48:01.360 We're going to Vegas and man, and that thing started bouncing. 992 00:48:01.719 --> 00:48:04.119 You could have heard a pin drop in that bad boy. 993 00:48:04.639 --> 00:48:09.039 Uh man, I'm glad those planes have engineers behind them. 994 00:48:09.159 --> 00:48:11.719 Okay, we're gonna go back. I still want to understand 995 00:48:11.760 --> 00:48:14.239 the advantage. We're gonna go back to that. But John's 996 00:48:14.239 --> 00:48:16.280 got a problem with a pull behind motor. We do 997 00:48:16.360 --> 00:48:19.400 have lines open three oh three seven, one, three eight, 998 00:48:19.480 --> 00:48:22.079 two five five or the easiest number is three oh 999 00:48:22.400 --> 00:48:26.199 three Martino. Tell your neighbors, tell your friends, tell whomever 1000 00:48:26.239 --> 00:48:28.639 you need, but we can help you out. Three oh 1001 00:48:28.719 --> 00:48:34.320 three Martino twenty four seven three zero three Martino were helping. 1002 00:48:34.119 --> 00:48:36.599 Troubleshooter dot com. Hey John, what's going on? 1003 00:48:40.920 --> 00:48:45.719 So I bought a pull behind mower, which is quite large. 1004 00:48:45.760 --> 00:48:48.800 It's about the size of a small car. I would say, sure. 1005 00:48:49.679 --> 00:48:53.280 And what happened was is, you know, they delivered it. 1006 00:48:53.320 --> 00:48:56.400 This came from dr Power Company, who is owned by 1007 00:48:56.480 --> 00:49:01.199 jen Rack, and they they just dumped it off at 1008 00:49:01.199 --> 00:49:03.079 the end of my driveway because they said they couldn't 1009 00:49:03.079 --> 00:49:05.360 bring it down. So when they did, they kind of 1010 00:49:05.440 --> 00:49:10.079 damaged the container that it came in. Well, the first 1011 00:49:10.159 --> 00:49:14.039 time I used the mower, it broke, so I, you know, 1012 00:49:14.199 --> 00:49:18.039 called their service department. They sent out another part. Well 1013 00:49:18.239 --> 00:49:23.320 and behold, it broke again. So anyway, I told them 1014 00:49:23.920 --> 00:49:26.519 we're done with this. I'm not you know this is 1015 00:49:26.639 --> 00:49:29.760 this cost me forty five hundred dollars with the warranty 1016 00:49:29.800 --> 00:49:30.400 and whatnot. 1017 00:49:31.280 --> 00:49:32.639 How BIG's the deck on it? 1018 00:49:34.599 --> 00:49:35.519 Fifty two inches? 1019 00:49:35.760 --> 00:49:38.000 Okay, I'm looking on their website. Is why I see 1020 00:49:38.000 --> 00:49:40.239 their forty two inch When I don't see the fifty two. 1021 00:49:41.079 --> 00:49:44.480 And I'm curious, just from what you're saying, though, is 1022 00:49:44.519 --> 00:49:47.039 there any kind of money back guarantee on these? I 1023 00:49:47.039 --> 00:49:49.679 don't see anything like that. I realize you've had a 1024 00:49:49.719 --> 00:49:51.039 couple problems that. 1025 00:49:52.239 --> 00:49:53.239 This is what I'm getting to. 1026 00:49:53.920 --> 00:49:57.760 So I called the Better Business Bureau and they, you know, 1027 00:49:58.239 --> 00:50:01.760 gave me their spiel, and I called Visa. 1028 00:50:01.639 --> 00:50:02.920 So I got my money back. 1029 00:50:03.639 --> 00:50:09.559 Oh so in the meantime, you know, they said that 1030 00:50:09.639 --> 00:50:11.679 they were going to come pick this up. So you know, 1031 00:50:11.719 --> 00:50:15.360 I made arrangement. I got it back on their pallette, 1032 00:50:15.480 --> 00:50:17.920 which was a nightmare. And I thought to myself, well this, 1033 00:50:19.079 --> 00:50:21.360 you know, I'll put it on a utility trailer to 1034 00:50:21.360 --> 00:50:24.559 make it easy for the guy to pick it up. Well, 1035 00:50:24.559 --> 00:50:29.320 they sent a shipper out. Well, the first day I 1036 00:50:29.360 --> 00:50:31.519 waited all day. The shipper never showed up, so that 1037 00:50:31.599 --> 00:50:35.280 pissed me off. So the second day, the shipper showed 1038 00:50:35.360 --> 00:50:37.320 up and he last at me. He goes, well, how 1039 00:50:37.360 --> 00:50:39.360 do you expect me to get that on my truck? 1040 00:50:39.559 --> 00:50:41.039 Well, John, let me ask you this. 1041 00:50:41.159 --> 00:50:43.159 When they dropped it off the first time, it was 1042 00:50:43.199 --> 00:50:47.280 on a pallette just at the top of your driveway, right, correct. 1043 00:50:47.320 --> 00:50:49.079 But I didn't see him drop it off because I 1044 00:50:49.119 --> 00:50:49.559 was at work. 1045 00:50:50.000 --> 00:50:51.880 That's fine. So now you have it. I'm trying to 1046 00:50:51.880 --> 00:50:56.639 picture this. You have it on a trailer, that's like, 1047 00:50:56.719 --> 00:51:01.039 what like a car trailer? You have the palette on yeah, like. 1048 00:51:01.239 --> 00:51:02.559 It's a utility trailer. 1049 00:51:02.840 --> 00:51:03.360 Yeah. 1050 00:51:04.559 --> 00:51:07.320 Yeah, And then how would this guy normally do it? 1051 00:51:07.360 --> 00:51:08.599 What kind of pallet jack. 1052 00:51:08.519 --> 00:51:09.000 Did he have? 1053 00:51:10.400 --> 00:51:11.440 He didn't have anything? 1054 00:51:11.840 --> 00:51:14.119 Well, okay, let's say it was on the ground. How 1055 00:51:14.199 --> 00:51:15.639 was he going to get it into the truck? 1056 00:51:17.000 --> 00:51:19.840 That's what I want to know. He just laughed at 1057 00:51:19.840 --> 00:51:21.800 me and went about his business. 1058 00:51:21.840 --> 00:51:24.280 Yeah, but there's got to be a little more to this, John, 1059 00:51:24.320 --> 00:51:27.639 I mean, really, if would he have laughed at you? 1060 00:51:27.679 --> 00:51:29.960 Would he have laughed if you if it was on 1061 00:51:30.000 --> 00:51:33.320 the ground, you know. 1062 00:51:33.360 --> 00:51:33.960 I don't know. 1063 00:51:34.039 --> 00:51:40.000 I don't But I gave him specific instruction to bring 1064 00:51:40.039 --> 00:51:42.599 a forklift so they could put it in their vehicle. 1065 00:51:42.639 --> 00:51:43.679 I told them that. 1066 00:51:44.000 --> 00:51:46.960 Yeah, I get it, But I mean still, there's two 1067 00:51:47.039 --> 00:51:49.639 things here. First of all, I want to know this. 1068 00:51:50.039 --> 00:51:52.400 If it was on the ground, do you think I know, 1069 00:51:52.559 --> 00:51:55.079 neither of us will ever know. Do you think he 1070 00:51:55.079 --> 00:51:56.719 would have got it into the trailer? 1071 00:51:58.320 --> 00:52:03.000 No, if he didn't have the means to get it 1072 00:52:03.039 --> 00:52:03.480 off my ba. 1073 00:52:03.440 --> 00:52:05.719 Okay, fair enough if you if he can't, if he 1074 00:52:05.760 --> 00:52:08.119 couldn't get it off the ground, then I assume he 1075 00:52:08.119 --> 00:52:10.000 couldn't get it off the trailer. He's not going to 1076 00:52:10.039 --> 00:52:12.960 get it into the truck. So I assume the next 1077 00:52:13.039 --> 00:52:14.719 thing you do is you call up who. 1078 00:52:16.800 --> 00:52:20.360 So I called dr back, yeah, and I said, listen, 1079 00:52:21.199 --> 00:52:24.880 you guys are wasting my time with this thing. And 1080 00:52:25.360 --> 00:52:28.880 they said, well, we'll find you a shipper. Well, you 1081 00:52:28.920 --> 00:52:31.800 know they they're really good at dragging their feet. 1082 00:52:31.880 --> 00:52:33.840 Now, wait a second. When you said they'll find you 1083 00:52:33.880 --> 00:52:36.400 a shipper. Who found that shipper we just talked about? 1084 00:52:36.440 --> 00:52:36.800 They did? 1085 00:52:36.920 --> 00:52:37.079 Right? 1086 00:52:37.800 --> 00:52:38.719 They did? 1087 00:52:38.840 --> 00:52:40.519 Okay, keep going, I'm sorry, keep going. 1088 00:52:41.679 --> 00:52:44.519 Yeah, that's all they're doing, uh with the shipper. 1089 00:52:44.639 --> 00:52:46.639 Okay, So they said they're going to find a shipper. 1090 00:52:46.679 --> 00:52:47.679 So now where are we at? 1091 00:52:49.360 --> 00:52:53.800 So they called, and you know, they couldn't give me 1092 00:52:53.840 --> 00:52:55.480 a time or anything else. 1093 00:52:55.679 --> 00:52:56.440 And I told him, I. 1094 00:52:56.360 --> 00:52:59.679 Said, listen, it's ready for pickup. I don't know what 1095 00:52:59.719 --> 00:52:59.960 you want. 1096 00:53:00.000 --> 00:53:01.320 I'm going to do. Well. 1097 00:53:01.440 --> 00:53:04.159 A couple of months went by in this thing sitting 1098 00:53:04.400 --> 00:53:06.119 on the back of my utility trail. 1099 00:53:06.320 --> 00:53:09.199 We're wait a second, my God, I think I know 1100 00:53:09.239 --> 00:53:11.880 where this is going, but keep going. So is it 1101 00:53:11.920 --> 00:53:14.760 still at the top of your driveway? 1102 00:53:15.000 --> 00:53:15.679 No? 1103 00:53:15.719 --> 00:53:21.400 Okay, So I yanked it off my trailer, and you 1104 00:53:21.400 --> 00:53:26.039 know the container was that I had it and you know, 1105 00:53:26.320 --> 00:53:30.679 pretty much destroyed because it was really cheap anyway, So 1106 00:53:31.199 --> 00:53:34.079 they have a lot of stipulations on how they want 1107 00:53:34.079 --> 00:53:35.079 this thing returned. 1108 00:53:35.719 --> 00:53:36.119 I did. 1109 00:53:36.320 --> 00:53:37.079 I had it. 1110 00:53:37.119 --> 00:53:39.559 Ready to go, but now you know it's not. 1111 00:53:40.519 --> 00:53:40.800 Well. 1112 00:53:41.119 --> 00:53:45.360 Back in October, they hired an attorney and said, well, 1113 00:53:45.440 --> 00:53:48.199 they want their money back, and I'm like, I'm not 1114 00:53:48.239 --> 00:53:50.239 giving you money back for a broken mower. 1115 00:53:52.039 --> 00:53:53.119 You know, we've we've. 1116 00:53:52.920 --> 00:53:56.480 Gone down this road. Well they said, well, you know, 1117 00:53:57.840 --> 00:54:01.480 we'll get back to you and let you know. Well 1118 00:54:02.320 --> 00:54:04.840 last week they finally got back to me and they said, well, 1119 00:54:06.400 --> 00:54:09.320 you know, we want the mower back or you can 1120 00:54:09.360 --> 00:54:12.119 pay the summ And I said, well, listen, I'm not 1121 00:54:12.159 --> 00:54:14.159 putting it back on the palette. It took me almost 1122 00:54:14.159 --> 00:54:15.800 three hours to put it on the palette. I mean, 1123 00:54:15.800 --> 00:54:20.320 I'm a one man bend and nothing enormous, you know, 1124 00:54:20.360 --> 00:54:23.360 And I think the palette broke apart because the way 1125 00:54:23.360 --> 00:54:25.079 they put it at the end of my driveway. He 1126 00:54:25.079 --> 00:54:28.159 couldn't He claimed that he couldn't come down my driveway 1127 00:54:28.400 --> 00:54:30.960 because there's you know, it's just a gravel road. 1128 00:54:31.000 --> 00:54:32.960 All right, hold on, let me let me take this break. 1129 00:54:33.000 --> 00:54:34.920 I'll come back to you first, I promise. Three oh 1130 00:54:34.960 --> 00:54:38.079 three seven one three a two five five. I'm interested 1131 00:54:38.519 --> 00:54:41.880 if they actually summoned them to court, if they're threatening it, 1132 00:54:42.119 --> 00:54:44.320 did they turn it over to collections? I mean, I'm 1133 00:54:44.400 --> 00:54:46.800 dying to hear the rest of the story. Three oh 1134 00:54:46.840 --> 00:54:48.760 three seven one to three, Martino. 1135 00:54:52.000 --> 00:54:55.280 Go with a sure thing Denver's best roofer Excel Roofing 1136 00:54:55.360 --> 00:54:58.000 dot com. You don't pay a cent until you're content, 1137 00:54:59.559 --> 00:55:03.840 wait time for an insurance check up free, no obligation. 1138 00:55:03.840 --> 00:55:07.679 In comparison, call Compass Insurance. Paying too much your coverage 1139 00:55:07.719 --> 00:55:10.360 at dozens of insurance companies find out now three all 1140 00:55:10.440 --> 00:55:12.880 three seven seven to one help. You'll think you're his 1141 00:55:13.039 --> 00:55:15.679 only customer when you choose Frank durand the real estate 1142 00:55:15.719 --> 00:55:18.920 Man dot com to list your home with Remax Alliance 1143 00:55:19.199 --> 00:55:22.280 three all three nine two zero sixteen twenty two. 1144 00:55:22.679 --> 00:55:25.000 All right, three oh three seven one three a two 1145 00:55:25.119 --> 00:55:27.400 five five Three oh three Martino, you've been ripped off 1146 00:55:27.400 --> 00:55:30.119 and taking advantage of we got some lines open three 1147 00:55:30.280 --> 00:55:34.480 zero three seven one three A two five five. So 1148 00:55:34.840 --> 00:55:37.480 just to recap real quick, John called up. He bought 1149 00:55:37.519 --> 00:55:42.800 a d R. Horton mower deck. I've seen these guys 1150 00:55:42.880 --> 00:55:45.559 advertise on TV quite a bit, but anyhow, Uh, it's 1151 00:55:45.559 --> 00:55:48.400 a pretty big mower deck, fifty two inch. You drag 1152 00:55:48.440 --> 00:55:51.880 it behind your tractor and basically a cussalon for you. 1153 00:55:52.119 --> 00:55:57.559 So it got there, it broke twice. He figured out 1154 00:55:57.559 --> 00:56:00.000 how to get a refund from him. They actually issue 1155 00:56:00.119 --> 00:56:02.760 to MA refund, so he has the money at this point, 1156 00:56:03.400 --> 00:56:06.440 and they sent out a truck to pick it up. 1157 00:56:06.960 --> 00:56:08.880 When they sent the truck out, the guy didn't have 1158 00:56:08.920 --> 00:56:11.920 a pallet jack and there was no way to get 1159 00:56:11.920 --> 00:56:15.840 it into his truck, according to the caller. So he 1160 00:56:15.960 --> 00:56:18.400 called back to company d R. Hort and they said, okay, 1161 00:56:18.400 --> 00:56:21.440 we're going to arrange another truck. But then at that 1162 00:56:21.599 --> 00:56:23.239 point months went by, right. 1163 00:56:23.159 --> 00:56:27.599 John, Yeah, so we are in January. 1164 00:56:28.280 --> 00:56:30.280 Yeah, so months go by and it's still there. 1165 00:56:30.320 --> 00:56:33.800 So finally, I assume you pulled it back down the driveway, 1166 00:56:34.239 --> 00:56:36.840 you unloaded it, because you probably had to use that 1167 00:56:37.000 --> 00:56:40.840 utility trailer for something else, right, Yeah. 1168 00:56:40.639 --> 00:56:43.039 That's why I had to unload it, and I actually 1169 00:56:43.320 --> 00:56:45.920 put it in my garage to keep it out of 1170 00:56:45.960 --> 00:56:48.639 the elements. I mean, you know, I'm not gonna be 1171 00:56:48.760 --> 00:56:50.239 a jerk, and uh yeah. 1172 00:56:50.079 --> 00:56:50.960 I got you ruined. 1173 00:56:51.119 --> 00:56:54.519 So but now they hired an attorney. 1174 00:56:55.280 --> 00:56:58.519 And they're threatening me that they want their money back 1175 00:56:59.440 --> 00:57:01.760 or put it back on the palette and get it all, 1176 00:57:02.159 --> 00:57:06.119 you know, dressed up again for pickup. 1177 00:57:06.159 --> 00:57:09.639 And I told them, well, okay, so they are offering 1178 00:57:09.719 --> 00:57:12.239 that though. They're saying if you get it back on 1179 00:57:12.280 --> 00:57:15.599 the palette and get it into whatever container, whatever they're 1180 00:57:15.639 --> 00:57:18.639 saying needs to be done, that it'll be said and done. 1181 00:57:20.159 --> 00:57:20.360 Yeah. 1182 00:57:20.400 --> 00:57:22.960 But the thing is I don't have that container anymore 1183 00:57:23.000 --> 00:57:24.920 because it fell apart taking it off. 1184 00:57:25.159 --> 00:57:27.280 Well, can they ship you one? Can you call them 1185 00:57:27.320 --> 00:57:29.639 up and say that container is no good? In fact, 1186 00:57:29.679 --> 00:57:32.679 when you guys dropped it off originally you damaged it. 1187 00:57:32.719 --> 00:57:35.000 And now that we've moved it so many times, can 1188 00:57:35.039 --> 00:57:36.400 you send me another container? 1189 00:57:38.199 --> 00:57:42.800 Well? I should do that because but the way that 1190 00:57:44.119 --> 00:57:47.559 this attorney's wording things, you know, if you're not able 1191 00:57:47.599 --> 00:57:50.840 to follow through on the instruction, smart client, they will 1192 00:57:50.920 --> 00:57:53.280 not send another carrier to pick it up. And you 1193 00:57:53.440 --> 00:57:54.679 owe this much money. 1194 00:57:54.920 --> 00:57:57.280 John I would simply reach out to them for a 1195 00:57:57.320 --> 00:58:00.360 container for it, or tell the attorney, hey, listen, I'm 1196 00:58:00.400 --> 00:58:03.000 willing to do this, but I need a container for it. 1197 00:58:03.039 --> 00:58:07.519 That container is in shambles, it's unusable. I mean, here's 1198 00:58:07.519 --> 00:58:10.559 your other option, John, I mean, honestly, your other option is. 1199 00:58:10.519 --> 00:58:12.760 They send a container when the truck comes. 1200 00:58:13.199 --> 00:58:15.719 Yeah, or maybe I don't know how that would work, 1201 00:58:15.760 --> 00:58:18.760 but possibly it's not like they're their trucks. If they 1202 00:58:18.800 --> 00:58:20.840 got to ship the container to the ship, or they 1203 00:58:20.880 --> 00:58:22.559 might as well ship it to John. 1204 00:58:23.199 --> 00:58:26.400 But maybe, Doc, maybe that's not a bad idea. But 1205 00:58:26.599 --> 00:58:28.599 I would try to go that route. 1206 00:58:28.360 --> 00:58:30.679 Because what's going to happen is they are going to 1207 00:58:30.760 --> 00:58:33.599 come after you, and I think at this point they 1208 00:58:33.639 --> 00:58:37.320 would have a chance in court of winning. I mean, 1209 00:58:37.840 --> 00:58:41.039 it's I think it's worth them shipping you the container 1210 00:58:41.440 --> 00:58:44.559 in doing it and having that real conversation because the 1211 00:58:44.599 --> 00:58:47.000 other part is if they come after you, it's going 1212 00:58:47.079 --> 00:58:48.880 to come down to what a judge thinks of it. 1213 00:58:49.079 --> 00:58:51.639 The judge is going to look at the money transactions. 1214 00:58:51.840 --> 00:58:54.599 It's gonna say, hey, this guy John's got all the money, 1215 00:58:54.840 --> 00:58:58.480 but he still has his lawnmower, and that's just not right, 1216 00:58:58.599 --> 00:59:01.360 and you're gonna say, well, I had it all loaded 1217 00:59:01.480 --> 00:59:03.360 up and a truck came, but the guy didn't even 1218 00:59:03.400 --> 00:59:06.039 have a pallet jack and it's been a nightmare, and 1219 00:59:06.079 --> 00:59:09.000 now they want me to reload it and blah blah blah. 1220 00:59:09.039 --> 00:59:12.400 But that could go either way in courts my point. 1221 00:59:12.199 --> 00:59:14.960 John, Yeah, I'm reading their return policy. 1222 00:59:15.239 --> 00:59:18.360 The thing is is, I'm willing to give it back 1223 00:59:18.400 --> 00:59:20.679 to them. There's never been a doubt. 1224 00:59:21.360 --> 00:59:23.480 Yeah, but they're not going to send someone out to 1225 00:59:23.599 --> 00:59:26.760 load it up from your garage into a container onto 1226 00:59:26.800 --> 00:59:28.880 the pallette and then bring it to the top of 1227 00:59:28.920 --> 00:59:32.400 your driveway. I truly believe you're asking too much out 1228 00:59:32.400 --> 00:59:34.320 of them. I think it would be great if they 1229 00:59:34.320 --> 00:59:37.239 were doing it. Mitri read me what D. R. Horton 1230 00:59:37.280 --> 00:59:38.360 says about returns. 1231 00:59:38.599 --> 00:59:40.760 Yeah, it's pretty clear. It's right there on their websites. 1232 00:59:40.880 --> 00:59:43.880 So they do acknowledge the fact that the shipper may 1233 00:59:43.880 --> 00:59:46.440 no longer have the original packaging, so they say that 1234 00:59:46.880 --> 00:59:50.559 it needs to be repacked in equivalent packaging, and it 1235 00:59:50.599 --> 00:59:53.400 also needs to be on a pallette and it cannot 1236 00:59:53.400 --> 00:59:57.599 exceed the footprint of the palette. So if John gets 1237 00:59:57.639 --> 00:59:59.960 an equivalent package and I'm not saying that's going to 1238 01:00:00.079 --> 01:00:05.000 be convenient, but maybe build one out of a plywood yeah, 1239 01:00:05.119 --> 01:00:06.960 or a couple of refrigerator boxes, or. 1240 01:00:06.960 --> 01:00:08.159 Ask them to ship one. 1241 01:00:08.239 --> 01:00:09.880 Well, I doubt that they're going to do that. 1242 01:00:09.880 --> 01:00:12.280 That's gonna be super expensive to send an LTL truck 1243 01:00:12.280 --> 01:00:15.000 over there with an empty box. And John needs to 1244 01:00:15.039 --> 01:00:17.280 go to one of the industrial locations down there in 1245 01:00:17.320 --> 01:00:20.280 Boulder and pick up a palette of appropriate size. You 1246 01:00:20.360 --> 01:00:22.719 can get that for free. So John, I'm not saying 1247 01:00:22.719 --> 01:00:25.039 it's I mean, I do recognize that it's gonna be 1248 01:00:25.079 --> 01:00:26.039 a huge inconvenience. 1249 01:00:26.079 --> 01:00:28.800 And when you agree to it when you bought that. 1250 01:00:29.079 --> 01:00:31.159 When you bought that, you agreed to that. When you 1251 01:00:31.239 --> 01:00:33.840 got that refund, you agreed to get it back to 1252 01:00:33.920 --> 01:00:36.800 him in the condition of what they want it back. Listen, Man, 1253 01:00:36.880 --> 01:00:39.559 I can tell you just think you got screwed on 1254 01:00:39.599 --> 01:00:41.679 this whole deal, but I'm telling you I don't think 1255 01:00:41.719 --> 01:00:42.119 you did. 1256 01:00:42.159 --> 01:00:42.400 Man. 1257 01:00:42.599 --> 01:00:43.400 I mean, you can. 1258 01:00:43.280 --> 01:00:46.400 Dig those heels in deeper, and you know, roll the 1259 01:00:46.440 --> 01:00:49.440 dice when you go to court. But honestly, my gut 1260 01:00:49.480 --> 01:00:51.719 feeling is you just get it packed up and done 1261 01:00:52.119 --> 01:00:55.400 before you're looking at attorney's fees and you're looking at 1262 01:00:55.599 --> 01:00:58.440 paying these people for it because you can't get it back. 1263 01:00:58.639 --> 01:01:00.760 I just think you're asking for more trouble John. 1264 01:01:00.840 --> 01:01:03.800 Oh, it possibly triple damage is because this sounds like 1265 01:01:03.840 --> 01:01:05.719 conversion if they really wanted to. 1266 01:01:06.000 --> 01:01:07.599 I don't know if they get that, but maybe. I 1267 01:01:07.599 --> 01:01:09.400 mean the whole point is it's a wall of the dice. 1268 01:01:09.480 --> 01:01:11.320 Yeah, they could ask for it. That would be up 1269 01:01:11.320 --> 01:01:12.159 to him to prove it. 1270 01:01:12.719 --> 01:01:13.480 They could come. 1271 01:01:14.000 --> 01:01:16.000 They could just come get them, John, They're not gonna 1272 01:01:16.039 --> 01:01:16.280 do that. 1273 01:01:16.320 --> 01:01:19.239 Listen, man, I can tell because I'm a fellow hardhead. 1274 01:01:19.559 --> 01:01:23.920 You're hard headed, and I'm trying to really tell you. Seriously, Man, 1275 01:01:23.960 --> 01:01:26.639 I'm not kidding, and I've dug in before and it's 1276 01:01:26.679 --> 01:01:29.039 cost me. I'm telling you, looking at this from the 1277 01:01:29.079 --> 01:01:32.639 outside on both sides, it's remarkable. You even got a 1278 01:01:32.639 --> 01:01:35.480 refund on it. You did great doing that. I think 1279 01:01:35.519 --> 01:01:38.519 you really need to get it packaged up. Maybe find 1280 01:01:38.559 --> 01:01:41.199 a handyman or someone that can come package it up 1281 01:01:41.400 --> 01:01:43.480 and get it ready for you for a couple hundred 1282 01:01:43.480 --> 01:01:46.480 bucks or something. I mean, think of something outside the 1283 01:01:46.519 --> 01:01:48.719 box to get it done, or do it yourself. 1284 01:01:48.800 --> 01:01:49.639 I mean that's that. 1285 01:01:49.880 --> 01:01:52.639 I've already give you the risk assessment on it, and 1286 01:01:52.840 --> 01:01:54.920 it could be a lot worse than just having to 1287 01:01:54.960 --> 01:01:56.480 pay for that mower deck. 1288 01:01:58.119 --> 01:02:00.360 Okay, all right, John, I do a pre she ate 1289 01:02:00.400 --> 01:02:02.679 to call. What did you think about that, Deputy Doc? 1290 01:02:02.719 --> 01:02:03.719 What do you think? Honestly? 1291 01:02:04.719 --> 01:02:09.239 I think you're right. I think according to what Dmitri said, 1292 01:02:09.239 --> 01:02:10.920 he's got it. He's obligated to do it. 1293 01:02:11.079 --> 01:02:12.960 Yeah, I mean if someone wants it back, you know, 1294 01:02:13.119 --> 01:02:15.800 not everybody's Amazon. What I mean by that? I find 1295 01:02:15.840 --> 01:02:19.239 it remarkable. I see Suzanne return stuff to what is it, 1296 01:02:19.320 --> 01:02:19.960 Whole Foods? 1297 01:02:20.239 --> 01:02:23.400 Yeah, for Amazon stuff. 1298 01:02:22.400 --> 01:02:24.920 They'll box it up right there. Yeah, it could be 1299 01:02:24.960 --> 01:02:25.519 a toaster. 1300 01:02:25.880 --> 01:02:28.360 You bring the toaster to Whole Foods, they box it 1301 01:02:28.480 --> 01:02:30.199 up and send it back to Amazon. 1302 01:02:30.239 --> 01:02:33.079 It costs you zero. I mean that's great. I love 1303 01:02:33.119 --> 01:02:33.800 that Amazon. 1304 01:02:34.039 --> 01:02:36.159 I don't think they take pull behind mowers. 1305 01:02:36.639 --> 01:02:38.800 No, they're not going to take a pull behind mower. 1306 01:02:39.079 --> 01:02:41.840 But just as it aside, it's not Dr Horton. Dal 1307 01:02:41.920 --> 01:02:42.880 Horton is a home builder. 1308 01:02:42.960 --> 01:02:46.199 Oh who is a Dr? Dr More's no, it's Dr 1309 01:02:46.599 --> 01:02:49.239 pardon me, no, it's Dr hold on man, now, it's 1310 01:02:49.280 --> 01:02:50.280 gonna drive me nuts. 1311 01:02:50.559 --> 01:02:54.559 DR Power equipment, right, it's Dr Power. Yeah, I see 1312 01:02:54.639 --> 01:02:56.559 him advertised all the time. They're the ones that have 1313 01:02:56.639 --> 01:03:00.559 the big uh the brushwhacker. Man, it's like a weed whacker. 1314 01:03:00.599 --> 01:03:02.320 They can take down a small tree. 1315 01:03:02.639 --> 01:03:04.400 I think I'm four inches in diameter. 1316 01:03:05.119 --> 01:03:07.079 Man, stuff, it is good stuff. 1317 01:03:07.079 --> 01:03:10.320 These fires are raging in California, folks. It's really a 1318 01:03:10.800 --> 01:03:14.039 it's a bad deal. I was just reading they actually 1319 01:03:14.199 --> 01:03:16.800 ran out of water in the hydrants. 1320 01:03:16.840 --> 01:03:20.000 That is absolutely unbelievable. 1321 01:03:20.119 --> 01:03:21.000 The sad mark. 1322 01:03:21.239 --> 01:03:25.360 Oh my god. Thousands of people have already lost their homes. 1323 01:03:25.440 --> 01:03:27.360 I think they said a thousand buildings. 1324 01:03:27.440 --> 01:03:29.199 A couple of people have died. If you haven't seen 1325 01:03:29.239 --> 01:03:29.840 that yet. 1326 01:03:29.679 --> 01:03:30.599 I did not see that. 1327 01:03:31.119 --> 01:03:32.519 Leave California and come here. 1328 01:03:32.920 --> 01:03:35.840 Oh man, there's a There is a stunning video of 1329 01:03:35.880 --> 01:03:40.880 the fire department using a D nine bulldozer yesterday, cars moving, 1330 01:03:41.119 --> 01:03:42.960 shoving abandoned cars off the road. 1331 01:03:43.039 --> 01:03:45.960 People pulling suitcases down the road because they're stuck. 1332 01:03:46.039 --> 01:03:49.039 Yeah, and unfortunately they took their keys with them, so 1333 01:03:49.239 --> 01:03:52.000 nobody's able to so the fireman can't move the cars. 1334 01:03:52.039 --> 01:03:54.119 So they're using a bulldozer to push them out of 1335 01:03:54.159 --> 01:03:54.400 the way. 1336 01:03:54.440 --> 01:03:56.960 So ye, literally, fire trucks can get up. I don't 1337 01:03:56.960 --> 01:03:58.079 even know what a fire truck. 1338 01:03:58.119 --> 01:04:00.320 I realize you can put water in a fire truck, 1339 01:04:00.360 --> 01:04:01.840 but when the hydrants are empty. 1340 01:04:02.239 --> 01:04:04.119 I mean, man, it's crazy. 1341 01:04:04.280 --> 01:04:06.880 It's just a few hundred gallons in the fire truck 1342 01:04:06.880 --> 01:04:10.719 and that's designed to provide an initial fire suppression service 1343 01:04:11.079 --> 01:04:13.920 while they're hooking it up to a hydrant. 1344 01:04:13.480 --> 01:04:15.960 And they can't fly airplanes one hundred mile an hour winds. 1345 01:04:16.039 --> 01:04:17.639 Oh, it's done, It's a done deal. 1346 01:04:17.719 --> 01:04:22.559 O are aware that the wonderful, very intelligent state of 1347 01:04:22.599 --> 01:04:27.119 California and the mayor cut the budget on fire. 1348 01:04:27.519 --> 01:04:28.400 Wow, that's crazy. 1349 01:04:28.440 --> 01:04:31.239 Million dollar cut last year it was how many seventeen 1350 01:04:31.320 --> 01:04:34.360 million dollars cut from the LA Fire Department. That was 1351 01:04:34.400 --> 01:04:37.719 the second biggest budget cut last year in Los Angeles. 1352 01:04:37.840 --> 01:04:38.639 I can't believe it. 1353 01:04:38.920 --> 01:04:41.559 These had to pay for the migrants somehow. 1354 01:04:41.679 --> 01:04:42.519 Well, that's true. 1355 01:04:42.559 --> 01:04:45.760 And you know what, I've got a couple people on YouTube, 1356 01:04:45.800 --> 01:04:48.280 not a lot, but like, oh what is what do 1357 01:04:48.440 --> 01:04:49.719 liberals have to do with that? 1358 01:04:50.239 --> 01:04:53.519 And I'm going to give a story when we come back. 1359 01:04:53.559 --> 01:04:57.800 I'm going to tell a story about UCLA Reagan Hospital. 1360 01:04:57.880 --> 01:05:05.440 UCLA one of the best, the best hospitals in the world. 1361 01:05:05.800 --> 01:05:07.840 John, you're in the business, would you agree with that? 1362 01:05:09.840 --> 01:05:12.639 It's known to be a very good hospital. 1363 01:05:12.360 --> 01:05:18.440 Most prestigious hospital around UCLA. And this is a first 1364 01:05:18.480 --> 01:05:23.440 hand account of someone's experience there for four or five days. 1365 01:05:23.880 --> 01:05:26.320 And it's gonna blow you away when you hear it, 1366 01:05:26.320 --> 01:05:27.639 it's gonna blow you away. 1367 01:05:33.760 --> 01:05:37.039 Go with a sure thing Denver's best roofer Excel Roofing 1368 01:05:37.119 --> 01:05:37.719 dot com. 1369 01:05:37.760 --> 01:05:39.800 You don't pay a cent until you're content. 1370 01:05:43.159 --> 01:05:46.719 Time for an insurance checkup free, no obligation comparison call 1371 01:05:46.800 --> 01:05:50.119 Compass Insurance paying too much your coverage at dozens of 1372 01:05:50.159 --> 01:05:53.079 insurance companies find out now three oh three seven seven 1373 01:05:53.119 --> 01:05:53.360 to one. 1374 01:05:53.480 --> 01:05:53.719 Help. 1375 01:05:53.880 --> 01:05:56.519 You'll think you're his only customer when you choose Frank 1376 01:05:56.599 --> 01:05:59.039 durand the real estate Man dot com to list your 1377 01:05:59.079 --> 01:06:05.400 home with Relliance three three nine two zero sixteen twenty two. 1378 01:06:06.159 --> 01:06:08.719 All right, three three seven one three eight two five five. 1379 01:06:08.760 --> 01:06:10.880 We've got open lines. First time in the show. You 1380 01:06:10.960 --> 01:06:13.559 got a problem question? Anything we want to hear from you? 1381 01:06:13.880 --> 01:06:17.480 Three zero three Martino. I love sinking my teeth into 1382 01:06:17.559 --> 01:06:21.280 people that do bad things. I don't care if their contractors. Honestly, 1383 01:06:21.320 --> 01:06:23.360 if you listen to the show, I don't care. There's 1384 01:06:23.400 --> 01:06:26.679 a lot of landlords getting a little nutty. These days 1385 01:06:26.719 --> 01:06:28.679 to be quite honest. Now I want to talk about 1386 01:06:28.679 --> 01:06:31.320 this hospital real quick. Doc, I want you to chime 1387 01:06:31.400 --> 01:06:34.119 in on this, and I'm talking about a first hand 1388 01:06:35.079 --> 01:06:39.400 somebody that lived through this last week. Was it last week, 1389 01:06:40.039 --> 01:06:43.480 about a month ago, within the last month, Ronald Reagan 1390 01:06:43.639 --> 01:06:48.760 UCLA Medical Center, Los Angeles Hospital. It's renowned. I mean 1391 01:06:48.880 --> 01:06:51.880 people go from all over the country to go there. 1392 01:06:52.280 --> 01:06:53.559 I mean it's really like. 1393 01:06:53.559 --> 01:06:54.199 A big deal. 1394 01:06:54.679 --> 01:06:58.920 So these people flew there. In fact, they had They're 1395 01:06:58.960 --> 01:07:03.119 on Medicare, and they had the best plan you can get. 1396 01:07:03.199 --> 01:07:07.159 I mean they probably had g right. So they go 1397 01:07:07.239 --> 01:07:09.199 out there. They want to see an expert for what 1398 01:07:09.239 --> 01:07:12.119 they're seeking help for. They get out there, and I'm 1399 01:07:12.119 --> 01:07:14.719 going to bring John Junior into this because I've talked 1400 01:07:14.760 --> 01:07:16.559 to him about this case. He knows about it. He 1401 01:07:16.679 --> 01:07:20.360 knows the people as well. So they show up and 1402 01:07:20.440 --> 01:07:22.679 they can't even get a room. Is that correct, John? 1403 01:07:22.760 --> 01:07:24.320 I mean literally can't get a room. 1404 01:07:24.519 --> 01:07:27.480 Correct. Everyone was full and overflowing. I mean they were 1405 01:07:27.519 --> 01:07:28.159 overflowing for. 1406 01:07:28.159 --> 01:07:30.400 You have an employment with the specific yes. 1407 01:07:30.559 --> 01:07:34.559 Yes, yes, So they're twenty five percent or thirty percent 1408 01:07:34.639 --> 01:07:37.320 over capacity when they show up. And I want people 1409 01:07:37.360 --> 01:07:39.639 to understand this has nothing to do with the fires. 1410 01:07:39.880 --> 01:07:43.239 This has to do with homelessness and immigration more than 1411 01:07:43.280 --> 01:07:47.159 anything period. The hospital is one hundred and thirty percent capacity. 1412 01:07:47.400 --> 01:07:49.559 So they're there, they fly out there, they have an 1413 01:07:49.559 --> 01:07:50.800 appointment everything doc. 1414 01:07:51.039 --> 01:07:51.960 They end up in a. 1415 01:07:51.920 --> 01:07:56.599 Hallway John originally, so they're in a hallway in the 1416 01:07:56.639 --> 01:07:59.360 hospital with was there even partitions set up? 1417 01:08:00.280 --> 01:08:01.800 I'm not certain of that. 1418 01:08:02.119 --> 01:08:05.280 So I mean basically they're in a hallway, the patient 1419 01:08:05.519 --> 01:08:08.559 or the woman is actually I assume in a gurny 1420 01:08:08.639 --> 01:08:10.920 or a bed or a portable bed or something, and 1421 01:08:10.960 --> 01:08:13.920 then the husband is given basically a lawn chair or 1422 01:08:13.960 --> 01:08:17.359 an office chair to sit in. So as it goes on, 1423 01:08:17.920 --> 01:08:19.159 that lasted how many. 1424 01:08:19.119 --> 01:08:21.800 Days, four or five days, four or five days there, 1425 01:08:22.239 --> 01:08:23.840 four or five days there. 1426 01:08:23.960 --> 01:08:27.079 She did get a partition for a smedge of privacy. 1427 01:08:27.439 --> 01:08:30.439 So right towards the last day they were there, I 1428 01:08:30.560 --> 01:08:33.000 believe he said, they put him in an er room 1429 01:08:33.399 --> 01:08:37.199 that had four other people in there with some curtains 1430 01:08:37.199 --> 01:08:38.119 you can pull around. 1431 01:08:38.399 --> 01:08:39.560 So they ended up in this. 1432 01:08:39.880 --> 01:08:42.359 Remember this is one of the most renowned hospitals, but 1433 01:08:42.680 --> 01:08:45.600 don't forget it's in Los Angeles and we know what's 1434 01:08:45.640 --> 01:08:47.800 happened there and once again nothing to do with these 1435 01:08:47.840 --> 01:08:52.520 fires going on. So it's their last night there. They 1436 01:08:52.560 --> 01:08:55.000 haven't been able to take a shower, either of them 1437 01:08:55.000 --> 01:08:57.720 the whole time, because you simply have no shower. There 1438 01:08:57.800 --> 01:09:02.039 is no place to take a shower, correct, John, I believe. 1439 01:09:01.720 --> 01:09:03.720 That was the case, y'all. Yeah, you're not doing that 1440 01:09:03.760 --> 01:09:05.239 period of time, not doing that period of time. 1441 01:09:05.319 --> 01:09:05.720 No, he could. 1442 01:09:05.840 --> 01:09:08.319 They couldn't take a shower. On the very last day 1443 01:09:08.359 --> 01:09:10.760 when they're in the er. They have a community shower. 1444 01:09:10.800 --> 01:09:14.079 So after four days with an appointment being their note room, 1445 01:09:14.479 --> 01:09:19.399 living in the hallway at this quote prestigious hospital, basically 1446 01:09:19.439 --> 01:09:22.760 they're finally able to use the shower, a community shower 1447 01:09:23.039 --> 01:09:25.960 with like, you know, ten other people or however that looks. 1448 01:09:26.039 --> 01:09:29.079 I don't know. It's not definitely by far a private shower. 1449 01:09:30.720 --> 01:09:32.399 See the doctor that had an employment with. 1450 01:09:32.760 --> 01:09:36.119 Oh, certainly, certainly, okay, the doctor. I don't think they 1451 01:09:36.119 --> 01:09:38.720 have any complaints about the doctor. Now here's the part 1452 01:09:38.760 --> 01:09:39.720 that blows me away. 1453 01:09:39.880 --> 01:09:40.479 Listen to this. 1454 01:09:41.560 --> 01:09:45.680 So the husband gets up to the last morning, the 1455 01:09:45.760 --> 01:09:49.560 last morning, gets up to use the restroom in you know, 1456 01:09:49.680 --> 01:09:56.199 in the early morning whatever, or he walks into the restroom. 1457 01:09:56.479 --> 01:09:59.640 There's a homeless guy or who he assumes is homeless. 1458 01:10:00.720 --> 01:10:05.600 Buck naked, absolutely, buck naked, standing there when you first 1459 01:10:05.640 --> 01:10:09.520 walk in the restroom, not not in a stall, Buck naked, 1460 01:10:10.079 --> 01:10:12.399 taking a on the floor. 1461 01:10:12.159 --> 01:10:13.439 Dumping all over the floor. 1462 01:10:13.520 --> 01:10:14.920 It's beyond all over the floor. 1463 01:10:15.039 --> 01:10:16.319 Market's beyond the beyond. 1464 01:10:16.680 --> 01:10:19.920 It's I could not believe this story and this couple. 1465 01:10:20.000 --> 01:10:23.159 I believe one hundred and fifty percent one of our 1466 01:10:23.239 --> 01:10:28.840 most prestigious hospitals in the country due to immigration, illegal immigration, 1467 01:10:29.239 --> 01:10:33.680 and due to liberal views in California. With the homelessness, 1468 01:10:33.960 --> 01:10:37.000 I mean, this has come to a new a new 1469 01:10:37.079 --> 01:10:37.600 realm to me. 1470 01:10:37.920 --> 01:10:39.319 Well, why do you think Trump won? 1471 01:10:40.079 --> 01:10:41.359 Well, of course that's why he won. 1472 01:10:41.439 --> 01:10:45.000 But still, as a doctor, have you ever seen in 1473 01:10:45.079 --> 01:10:49.039 a hospital something like that going on for four days? 1474 01:10:49.199 --> 01:10:55.159 No, it's unheard of. You're the loss for words. 1475 01:10:55.239 --> 01:10:57.960 Yeah, I mean, there's nothing to say except it's our 1476 01:10:58.239 --> 01:10:59.920 insane immigration policy. 1477 01:11:00.399 --> 01:11:04.439 Well, in the homelessness, and both of them compounded, and. 1478 01:11:04.359 --> 01:11:06.600 They said the other hospitals had the same. 1479 01:11:06.399 --> 01:11:08.720 Problem and they are to be moved to another one. 1480 01:11:08.880 --> 01:11:11.600 And they said, well, that's gonna You're nothing's gonna happen. 1481 01:11:11.600 --> 01:11:14.399 You're still gonna be stuck three oh three seven one 1482 01:11:14.439 --> 01:11:15.520 three A two five five. 1483 01:11:15.560 --> 01:11:17.640 I'd loved to hear from you. We'll be back right 1484 01:11:17.680 --> 01:11:18.119 after this. 1485 01:11:28.359 --> 01:11:31.600 Go with a sure thing Denver's best roofer Excel Roofing 1486 01:11:31.720 --> 01:11:32.319 dot com. 1487 01:11:32.359 --> 01:11:37.800 You don't pay a cent until you're contenth. 1488 01:11:37.720 --> 01:11:40.920 Time for an insurance check up free, no obligation comparison 1489 01:11:41.039 --> 01:11:44.600 call Compass Insurance. Pay too much your coverage at dozens 1490 01:11:44.640 --> 01:11:47.359 of insurance companies find out now three oh three seven 1491 01:11:47.479 --> 01:11:50.279 seven to one help. You'll think you're his only customer 1492 01:11:50.319 --> 01:11:52.560 when you choose Frank durand the real estate Man dot 1493 01:11:52.600 --> 01:11:55.880 com to list your home with Remax Alliance three oh 1494 01:11:55.960 --> 01:11:58.760 three nine two zero sixteen twenty two. 1495 01:12:03.680 --> 01:12:10.000 Ripped off News so you don't have to lose. 1496 01:12:11.640 --> 01:12:14.039 Run in just the same, keep your day job Mark 1497 01:12:14.479 --> 01:12:16.199 show Shooter's gonna help. 1498 01:12:16.520 --> 01:12:22.640 Come man, This is the Troubleshooter Show. No Tom Martinez. 1499 01:12:22.720 --> 01:12:25.199 Welcome my friends to the only show of its kind. 1500 01:12:25.239 --> 01:12:29.159 We're here to solve problems, answer questions, take complaints. Maybe, 1501 01:12:29.199 --> 01:12:32.520 my friends, you've been ripped off by a contractor, or 1502 01:12:32.560 --> 01:12:36.840 maybe anybody, a landlord, a dentist, a moving company, pretty 1503 01:12:36.880 --> 01:12:38.880 much you name it. We've heard the problem. We've handled 1504 01:12:38.880 --> 01:12:42.159 the problem. We've recovered over three hundred I'd say more 1505 01:12:42.239 --> 01:12:46.000 like four hundred million dollars in cash, merchandise exchanges refunds 1506 01:12:46.000 --> 01:12:50.159 over a forty five almost forty five year period. In fact, 1507 01:12:50.199 --> 01:12:55.560 Martino is the only host. No, yeah, he's the only 1508 01:12:55.600 --> 01:12:57.600 host forty five years on the air in the country. 1509 01:12:57.920 --> 01:13:00.680 I don't know about other countries, but that's a long time, 1510 01:13:01.479 --> 01:13:04.039 same show, same host, forty five years. 1511 01:13:04.079 --> 01:13:04.960 There's nobody else. 1512 01:13:05.079 --> 01:13:09.880 I think the closest would be Howard Stern, but it's 1513 01:13:09.920 --> 01:13:10.880 not the same amount of time. 1514 01:13:10.920 --> 01:13:14.439 It's pretty crazy. So that's it. You need help. 1515 01:13:14.479 --> 01:13:16.439 We got one line open three O three seven one 1516 01:13:16.479 --> 01:13:20.840 three eight two five five. Of course, anytime, you know, 1517 01:13:21.439 --> 01:13:24.640 it's so funny when people say, Mark, you're getting political. 1518 01:13:24.680 --> 01:13:25.600 I'll get these emails. 1519 01:13:25.680 --> 01:13:28.399 Well, yeah, I guess, so, I guess everything's political now though. 1520 01:13:28.640 --> 01:13:30.880 I mean, you talk about a homeless problem to the 1521 01:13:30.920 --> 01:13:33.840 point where when people go to a hospital in Los Angeles, 1522 01:13:34.720 --> 01:13:37.760 one of the best hospitals in the country, they make 1523 01:13:37.760 --> 01:13:41.840 an arrangement to fly there and see a particular doctor 1524 01:13:41.880 --> 01:13:45.520 who specializes in their ailment, and you get there and 1525 01:13:45.560 --> 01:13:48.760 it's thirty percent over capacity. You live in a hallway 1526 01:13:48.800 --> 01:13:51.760 in the hospital for three days. On top of that, 1527 01:13:51.800 --> 01:13:56.239 there's a homeless guy defecating in the bathroom, buck naked, 1528 01:13:56.279 --> 01:13:59.640 basically running through the halls and just it's insane to 1529 01:13:59.680 --> 01:14:03.399 think that's where Los Angeles has gone. And I'm afraid 1530 01:14:03.439 --> 01:14:07.039 Denver's right around the corner. I was asking John Jones Junior, 1531 01:14:07.079 --> 01:14:10.239 who's in studio with me, here's our health insurance expert. 1532 01:14:10.439 --> 01:14:14.119 These guys at Integer Insurance know their business better than 1533 01:14:14.159 --> 01:14:18.159 anybody else I've met, Suzanne and I and Martino, all 1534 01:14:18.199 --> 01:14:21.279 of us have dealt with these guys for so many years, 1535 01:14:21.520 --> 01:14:22.680 and you need to check. 1536 01:14:22.920 --> 01:14:24.079 The bottom line. 1537 01:14:23.800 --> 01:14:27.880 Is if you have not checked your your policy from 1538 01:14:27.960 --> 01:14:30.399 last year, it might have changed. You want to make 1539 01:14:30.439 --> 01:14:33.159 sure it's renewed. And more importantly, what would you say 1540 01:14:33.199 --> 01:14:36.199 the most important reason to call John is? I would 1541 01:14:36.239 --> 01:14:38.479 say to make sure it's the best coverage. I mean 1542 01:14:38.520 --> 01:14:41.159 you might even be able to save money depending on 1543 01:14:41.279 --> 01:14:43.680 because didn't you say the tax credits have changed? 1544 01:14:43.920 --> 01:14:47.399 Well, so it's the tax am I okay, tax credit. 1545 01:14:47.479 --> 01:14:47.680 Yeah. 1546 01:14:47.680 --> 01:14:51.880 Tax credit eligibility is currently based on the affordability of 1547 01:14:51.920 --> 01:14:54.680 the second lowest cost silver plan available to you. So 1548 01:14:54.720 --> 01:14:56.960 you have Bronze planned Silver plans and Gold plans. Yeah, 1549 01:14:57.159 --> 01:15:00.039 and so the second lowest cost Silver plan. If that 1550 01:15:00.039 --> 01:15:03.600 that's less than approbably nine and a half percent of 1551 01:15:03.640 --> 01:15:07.119 your income, then it's considered affordable. If it's more than that, 1552 01:15:07.159 --> 01:15:09.359 then you're eligible for a tax credit. And that the 1553 01:15:09.399 --> 01:15:12.079 premium of that second lowest cost Silver plan changes every year, 1554 01:15:12.319 --> 01:15:15.720 so not my fixed And so so if rates are 1555 01:15:16.079 --> 01:15:19.119 increasing and your income staying the same, then there is 1556 01:15:19.159 --> 01:15:20.800 a potential you might be eligible for a time. 1557 01:15:20.800 --> 01:15:23.159 I'll tell you another reason. I'll tell you another reason. 1558 01:15:23.159 --> 01:15:25.079 I don't care if you have coverage now or not. 1559 01:15:25.239 --> 01:15:27.279 I'll tell you why it's important to call right now. 1560 01:15:27.600 --> 01:15:30.279 Let's say you had a Silver plan last year, and 1561 01:15:30.399 --> 01:15:33.760 let's say something happened last year and you're getting ready 1562 01:15:33.760 --> 01:15:36.479 to have a surgery done and you're planning it out. 1563 01:15:36.520 --> 01:15:39.840 It's not like an emergency thing. Maybe it's a eye 1564 01:15:39.920 --> 01:15:43.399 surgery and nose surgery, some form of surgery done that 1565 01:15:43.479 --> 01:15:44.279 gets planned out. 1566 01:15:44.359 --> 01:15:47.399 It's not an emergency, and there's lots of them. You 1567 01:15:47.520 --> 01:15:50.239 might be better off getting a better plan right now. 1568 01:15:50.720 --> 01:15:54.000 Just to talk about the out of pocket coming I mean, really, 1569 01:15:54.279 --> 01:15:57.479 depending on your needs coming up in this year, wouldn't 1570 01:15:57.520 --> 01:15:59.720 you say it's smart to shop big time. 1571 01:15:59.600 --> 01:16:02.840 Well since sure needs change, right, and so that's part 1572 01:16:02.840 --> 01:16:05.680 of the process of our conversation with our clients. My 1573 01:16:05.800 --> 01:16:08.279 conversation with my clients is what are those needs, and 1574 01:16:08.359 --> 01:16:11.000 let's start there, and then let's what are your wants? Right, 1575 01:16:11.000 --> 01:16:12.960 We can we can expand from that what gives you 1576 01:16:12.960 --> 01:16:16.439 peace of mind, But certainly with needs, absolutely, because plans 1577 01:16:16.439 --> 01:16:18.039 do change a little bit every year as well, So 1578 01:16:18.680 --> 01:16:21.359 it's always worth that that needs analysis, speaking with somebody 1579 01:16:21.359 --> 01:16:25.000 who can help walk you through that and through the math. 1580 01:16:25.319 --> 01:16:28.239 And I get health is not linear, right, you can, 1581 01:16:28.520 --> 01:16:30.159 you can. We can do our best to say, hey, 1582 01:16:30.199 --> 01:16:32.560 this this based on what we understand, this is the 1583 01:16:32.600 --> 01:16:34.039 best plan for you, and then it doesn't work out 1584 01:16:34.079 --> 01:16:36.680 that way. That does happen sometimes because health isn't a 1585 01:16:36.720 --> 01:16:37.560 fixed linear thing. 1586 01:16:37.640 --> 01:16:40.079 But but if. 1587 01:16:39.760 --> 01:16:42.199 You're overall the way I look, if you're four or 1588 01:16:42.199 --> 01:16:45.000 five years or four out of five years or eight 1589 01:16:45.000 --> 01:16:46.960 out of ten years, you're right about the way you 1590 01:16:47.000 --> 01:16:49.640 bought that health insurance plan, then most most likely you're 1591 01:16:49.640 --> 01:16:50.359 gonna save money. 1592 01:16:50.640 --> 01:16:52.760 Yeah, you got to just make the call and don't 1593 01:16:52.760 --> 01:16:55.359 call these places on TV. You're gonna be talking to 1594 01:16:55.439 --> 01:16:57.920 someone I don't even know where they're at. It could 1595 01:16:57.920 --> 01:17:00.319 be someone in China for that matter. I have no 1596 01:17:00.399 --> 01:17:02.680 idea who you're talking to when you call Dmitri. 1597 01:17:02.800 --> 01:17:04.760 Hey, Mark, I have a question for John. 1598 01:17:04.960 --> 01:17:07.720 Let's say hypothetically a guy doesn't have health insurance at 1599 01:17:07.720 --> 01:17:10.600 all right now, not through an employer, not personally, nothing, 1600 01:17:11.079 --> 01:17:14.560 and the guy misses this open enrollment period that ends 1601 01:17:14.640 --> 01:17:18.079 next week, if I understand correctly, and then if he 1602 01:17:18.159 --> 01:17:20.359 decides to get health insurance next month. 1603 01:17:20.319 --> 01:17:21.000 What does he do. 1604 01:17:21.319 --> 01:17:22.960 He would have to have a qualifying life event. 1605 01:17:23.640 --> 01:17:25.319 So without a qualifying without a. 1606 01:17:25.359 --> 01:17:27.439 Qualifying life event, then you just have to wait until 1607 01:17:27.439 --> 01:17:30.399 that next time or have a qualifying life event at 1608 01:17:30.439 --> 01:17:30.760 some point. 1609 01:17:31.159 --> 01:17:34.039 So the scary part about that, though, Dmitri is imagine 1610 01:17:34.039 --> 01:17:34.880 something happens to it. 1611 01:17:35.000 --> 01:17:37.760 That's why I was a buy private insurance. It's just 1612 01:17:37.800 --> 01:17:40.800 all about Medicare. But you can always buy private insurance. 1613 01:17:40.840 --> 01:17:44.960 Well, that's what I was asking, not an affordable care 1614 01:17:45.079 --> 01:17:47.760 qualified plan. There are other options that exist out there. 1615 01:17:47.760 --> 01:17:50.119 There are very few and far between in our state, 1616 01:17:50.159 --> 01:17:54.680 and they're not comprehensive coverage and existing conditions. 1617 01:17:55.079 --> 01:17:58.399 So it's pretty low quality insurance. So somebody could buy it. 1618 01:17:58.680 --> 01:18:03.039 But if the tree, if the trigger for shopping is 1619 01:18:03.119 --> 01:18:05.359 a medical event, then you're not going to get screwed. 1620 01:18:05.640 --> 01:18:06.319 So what do you do? 1621 01:18:06.840 --> 01:18:08.520 You would you would have to wait until that next 1622 01:18:08.520 --> 01:18:09.600 open enrollment period. 1623 01:18:10.239 --> 01:18:11.600 Or qualifying life. 1624 01:18:11.800 --> 01:18:15.319 Now, well, you go to the hospital for emergency treatment, 1625 01:18:15.359 --> 01:18:17.560 they're forced to treat you. And I don't mean that 1626 01:18:17.560 --> 01:18:19.319 in a bad way, but they got to treat you. 1627 01:18:19.279 --> 01:18:22.000 There, and then you're going to be stuck with a beer. 1628 01:18:21.760 --> 01:18:24.199 And be stuck with a fifty thousand dollars bill if 1629 01:18:24.239 --> 01:18:25.279 not two hundred thouars. 1630 01:18:25.640 --> 01:18:28.279 There are It's called personal responsibility. 1631 01:18:28.479 --> 01:18:30.840 I'm not arguing that it's not and I'm not saying 1632 01:18:30.880 --> 01:18:31.760 that's really wise. 1633 01:18:32.199 --> 01:18:33.760 Too bad if you if you want to take a 1634 01:18:33.840 --> 01:18:37.119 chance and not enroll, Oh it's crazy not to have coverage. 1635 01:18:37.159 --> 01:18:40.399 It's your responsibility to get healthcare. 1636 01:18:40.520 --> 01:18:42.960 Yeah, but his real question was can you sign up 1637 01:18:43.560 --> 01:18:45.039 in the middle of the year and it doesn't matter 1638 01:18:45.039 --> 01:18:46.279 if an event happens or not. 1639 01:18:46.439 --> 01:18:49.119 No, there are a lot of qualifying life events, and 1640 01:18:49.159 --> 01:18:51.920 our state even has one called tax time enrollment qualifying 1641 01:18:51.920 --> 01:18:54.800 life event. If you don't have health insurance and you 1642 01:18:54.880 --> 01:18:57.279 discover that you would be eligible for a tax credit 1643 01:18:57.319 --> 01:18:59.199 and you check a box on your taxes saying I 1644 01:18:59.239 --> 01:19:01.960 don't have Healton urance and I found out I don't 1645 01:19:01.960 --> 01:19:04.880 have or that I get tax credits, then that could 1646 01:19:04.920 --> 01:19:06.159 open up a window for you to be able to 1647 01:19:06.159 --> 01:19:06.720 buy hosts. 1648 01:19:06.800 --> 01:19:10.199 So people that maybe even misopen enrollment, it's still worth. 1649 01:19:10.119 --> 01:19:13.279 To call to you, guys, we will explore all of that. Yes, yes, but. 1650 01:19:13.399 --> 01:19:16.600 In general, you're crazy to wait after open enrollment. 1651 01:19:16.800 --> 01:19:18.880 I certainly recommend taking care of it now. 1652 01:19:18.920 --> 01:19:22.079 Tax return loophole. Do you have to wait until April fifteenth? 1653 01:19:22.159 --> 01:19:23.800 Or could you just do your taxes. 1654 01:19:23.560 --> 01:19:25.600 Or whatever you have to have to submit your taxes 1655 01:19:25.640 --> 01:19:27.520 by the deadline and have that box checked. 1656 01:19:28.000 --> 01:19:30.239 Wow, that's crazy. April sixteenth. 1657 01:19:30.359 --> 01:19:32.479 Even if you can check the box, you're still stuck 1658 01:19:32.479 --> 01:19:33.279 without insurance. 1659 01:19:33.600 --> 01:19:34.000 Correct. 1660 01:19:34.199 --> 01:19:36.039 All right, Pete's got an issue, and I can't believe 1661 01:19:36.079 --> 01:19:38.199 it's Suzanne. You already know what's going to happen here. 1662 01:19:38.880 --> 01:19:41.560 I'm already taking deep breaths. I'm going into my yoga 1663 01:19:41.600 --> 01:19:46.880 breathing because I am, in my opinion, these people have 1664 01:19:47.039 --> 01:19:51.479 lied to me personally indirectly multiple times now, So I 1665 01:19:51.520 --> 01:19:53.439 think what I'm going to do now, and I'm going 1666 01:19:53.479 --> 01:19:55.680 to let Pete talk. But I think I'm going to 1667 01:19:55.720 --> 01:19:58.399 give out some of the contact information that we have 1668 01:19:59.159 --> 01:20:05.079 for Pantasy Life. But Pete, what is your issue with Panacea? 1669 01:20:05.399 --> 01:20:08.119 It's not really an issue. I just can't seem to 1670 01:20:08.279 --> 01:20:11.159 get a phone number so that I can call them. 1671 01:20:11.279 --> 01:20:14.560 We made an order for some product of the CBD 1672 01:20:14.720 --> 01:20:18.399 product over a month ago, and if you pay for 1673 01:20:18.439 --> 01:20:21.600 it shows that it's yeah, yeah, you. 1674 01:20:21.560 --> 01:20:24.199 Paid for it. And the tracking so if you look, 1675 01:20:24.239 --> 01:20:25.600 they gave you a tracking number. 1676 01:20:25.680 --> 01:20:29.800 Is that correct, yes, sir, And the tracking number says 1677 01:20:29.840 --> 01:20:31.000 it hasn't moved. 1678 01:20:32.800 --> 01:20:33.760 Yeah, it's there. 1679 01:20:34.079 --> 01:20:35.079 Let me tell you you're. 1680 01:20:34.920 --> 01:20:37.520 You're one of so many now, and all I hear 1681 01:20:37.560 --> 01:20:40.399 from the owner, Leslie is it's the post office problem. 1682 01:20:40.600 --> 01:20:43.439 So now this all started over a month ago with 1683 01:20:43.600 --> 01:20:46.800 numerous calls. You're not the only one, Pete. Honest to god, 1684 01:20:46.880 --> 01:20:50.079 I wouldn't use these people anymore. And it really hurts 1685 01:20:50.119 --> 01:20:52.479 me to say that, because I used to love these 1686 01:20:52.520 --> 01:20:56.199 guys when Jamie did, when Jamie worked for him, and 1687 01:20:56.319 --> 01:20:59.600 Jamie parted ways with him last year, and I'm telling 1688 01:20:59.600 --> 01:21:00.960 you when to hell if he went. 1689 01:21:01.520 --> 01:21:02.359 He was a lynch pin. 1690 01:21:03.159 --> 01:21:05.880 He made sure he held the whole company together. He 1691 01:21:06.000 --> 01:21:07.560 was the doctor he was everything. 1692 01:21:07.800 --> 01:21:10.079 At this point, shouldn't they just be disputing their credit 1693 01:21:10.119 --> 01:21:13.199 card just I don't find a different company, Tom. 1694 01:21:13.800 --> 01:21:16.279 In my opinion, their thieves, and Suzanne just said the 1695 01:21:16.319 --> 01:21:16.840 exact thing. 1696 01:21:16.920 --> 01:21:17.479 Say it again. 1697 01:21:17.720 --> 01:21:20.279 I think you should dispute your credit card charge and 1698 01:21:20.319 --> 01:21:21.680 go with a different company. 1699 01:21:21.840 --> 01:21:24.520 Maybe we can get some referrals for you. On the show. 1700 01:21:25.279 --> 01:21:28.960 Thanking Panacea, I think she's lying to me. How many 1701 01:21:29.000 --> 01:21:31.600 times can the post office screw up and not ship 1702 01:21:31.680 --> 01:21:34.279 multiple orders? And here's what they do? Do you guys 1703 01:21:34.319 --> 01:21:36.760 realize what I could do right now with the shipping label. 1704 01:21:36.960 --> 01:21:39.520 I can go to FedEx. I can get a shipping label, 1705 01:21:39.800 --> 01:21:42.039 and I can assign it and give it to Doc. 1706 01:21:42.279 --> 01:21:44.760 He goes on there and yes, there it is. It's 1707 01:21:44.840 --> 01:21:47.479 Doc in his address, but it says it hasn't been 1708 01:21:47.520 --> 01:21:50.079 picked up yet. And just because I give you a 1709 01:21:50.119 --> 01:21:53.000 tracking number doesn't mean I shipped the damn thing. A 1710 01:21:53.119 --> 01:21:56.600 tracking number means anything. In fact, I think con artists 1711 01:21:56.960 --> 01:22:00.000 use tracking numbers to fool people. And I'm not saying 1712 01:22:00.159 --> 01:22:01.159 these guys are kind. 1713 01:22:00.960 --> 01:22:03.800 Of artists, but Leslie, God, I hope you go back 1714 01:22:03.840 --> 01:22:04.560 and listen to this. 1715 01:22:04.880 --> 01:22:08.439 We talked good about you, guys, forever because you did good. 1716 01:22:08.800 --> 01:22:13.479 Now I can't believe. I can't believe how many complaints 1717 01:22:13.520 --> 01:22:13.960 we're getting. 1718 01:22:14.000 --> 01:22:16.800 We're getting them almost weekly now mon they're more. 1719 01:22:16.680 --> 01:22:20.319 Than weekly, some multiple weeks. I would not use Panacea. 1720 01:22:20.720 --> 01:22:23.800 I would not see Life Sciences is what they're called. 1721 01:22:24.359 --> 01:22:25.520 I wouldn't use their products. 1722 01:22:25.560 --> 01:22:28.880 And it's unfortunate because the people that use their products 1723 01:22:28.880 --> 01:22:29.840 for numerous years. 1724 01:22:30.039 --> 01:22:33.239 We haven't endorsed them for years, I mean years. 1725 01:22:33.439 --> 01:22:36.399 But back when we did it, I still up till 1726 01:22:36.479 --> 01:22:39.399 six months ago or whenever Jamie was there, we would 1727 01:22:39.439 --> 01:22:42.039 have people call up saying this is the best CBD 1728 01:22:42.199 --> 01:22:44.520 product we ever had. But you know what, if they 1729 01:22:44.520 --> 01:22:46.800 can take your money and not fulfill the order to 1730 01:22:46.920 --> 01:22:49.239 me to me, in my opinion, that's what I call 1731 01:22:49.319 --> 01:22:52.800 a thief at some point. And Leslie, I want to 1732 01:22:52.800 --> 01:22:55.560 see your text again. You know the last one was 1733 01:22:55.720 --> 01:22:57.439 I'm going to take a break. I'm a little late. 1734 01:22:57.600 --> 01:23:00.439 I'm going to read Leslie's text, her last one to 1735 01:23:00.520 --> 01:23:02.279 me about a different client. 1736 01:23:02.399 --> 01:23:10.479 After this, go with a sure thing Denver's best roofer 1737 01:23:10.600 --> 01:23:12.079 excel roofing dot com. 1738 01:23:12.119 --> 01:23:14.479 You don't pay a cent until you're content. 1739 01:23:17.000 --> 01:23:17.439 Of it. 1740 01:23:17.520 --> 01:23:21.079 Time for an insurance checkup, free no obligation comparison call 1741 01:23:21.159 --> 01:23:24.479 Compass Insurance paying too much your coverage at dozens of 1742 01:23:24.520 --> 01:23:27.479 insurance companies find out now three oh three seven seven 1743 01:23:27.560 --> 01:23:30.319 one help. You'll think you're his only customer when you 1744 01:23:30.399 --> 01:23:32.880 choose Frank durand the real estate man dot com to 1745 01:23:32.960 --> 01:23:36.119 list your home with Remax Alliance three oh three nine 1746 01:23:36.159 --> 01:23:49.439 two zero sixteen twenty two. 1747 01:23:50.399 --> 01:23:53.560 All right, three O three seven one three A two 1748 01:23:53.560 --> 01:23:57.159 five five. Kelly, did you reach out to Leslie and 1749 01:23:57.199 --> 01:23:57.960 what did she say? 1750 01:23:58.119 --> 01:24:01.439 She reiterated the fact that all of the orders, to 1751 01:24:01.520 --> 01:24:04.199 her knowledge, have been have been delivered. 1752 01:24:04.279 --> 01:24:06.479 However, I told her that we had a caller. 1753 01:24:06.399 --> 01:24:09.239 Today and if she would come on and answer some questions, 1754 01:24:09.279 --> 01:24:11.439 and she said not right now, but I'm going to 1755 01:24:11.520 --> 01:24:12.720 call her back at twelve forty five. 1756 01:24:13.039 --> 01:24:14.840 Great, So we're going to talk to her on Era 1757 01:24:14.960 --> 01:24:17.840 twelve forty five because we just had another one. We 1758 01:24:18.159 --> 01:24:21.520 just had another one and I'm just like blown away 1759 01:24:21.520 --> 01:24:24.079 by it, and up on, Neil, I have no idea 1760 01:24:24.079 --> 01:24:25.880 what Dad is, Kelly? I think you just need to 1761 01:24:25.920 --> 01:24:32.199 fill that in. Who's been holding the longest tier twelve two? Cynthia, Cynthia, 1762 01:24:32.319 --> 01:24:35.720 you have a question for me? What does Mike go ahead? 1763 01:24:35.760 --> 01:24:37.399 Cinthia, Hi Mark. 1764 01:24:37.520 --> 01:24:39.439 First of all, let me tell you I've been a 1765 01:24:39.520 --> 01:24:43.119 listener for at least forty five years, because my daughter 1766 01:24:43.279 --> 01:24:44.560 is forty eight. 1767 01:24:44.840 --> 01:24:48.079 He's been around time, has been here forty five years. 1768 01:24:48.439 --> 01:24:51.880 Yeah, I have used all of Tom's recommendations. And I 1769 01:24:51.920 --> 01:24:54.439 remember when you and him used to argue like kats 1770 01:24:54.479 --> 01:24:58.720 and dogs. Oh yeah, and now you sound just like him, 1771 01:24:58.760 --> 01:25:00.439 which is a compliment because I love it. 1772 01:25:01.560 --> 01:25:04.560 I'm going, wait a minute, where's this going? But okay, listen, 1773 01:25:04.600 --> 01:25:05.119 I'll take that. 1774 01:25:05.279 --> 01:25:08.000 Yes, it's been bugging me, and I just don't want 1775 01:25:08.000 --> 01:25:08.720 you to yell at me. 1776 01:25:09.079 --> 01:25:11.000 Uh oh, I promise I won't yell. 1777 01:25:11.560 --> 01:25:16.479 Okay. I want to know why you voted for Trump 1778 01:25:17.439 --> 01:25:22.199 when character matters, I mean, that's an integrity. And I 1779 01:25:22.359 --> 01:25:25.039 use all of your services. I have been using pixel 1780 01:25:25.079 --> 01:25:26.920 twenty four to seven for years. 1781 01:25:27.039 --> 01:25:28.199 I got it sense here you don't. 1782 01:25:28.800 --> 01:25:32.199 You can just ask the question without trying to make yourself, 1783 01:25:32.720 --> 01:25:33.680 you know self special. 1784 01:25:33.760 --> 01:25:35.880 I want to know why how do you square that? 1785 01:25:36.119 --> 01:25:38.359 I square pretty easily. Okay. 1786 01:25:38.399 --> 01:25:40.560 First of all, I don't want to ask you a 1787 01:25:40.680 --> 01:25:43.399 question as an answer to a question, but I'm going 1788 01:25:43.479 --> 01:25:46.680 to start with that. When you have somebody like Biden 1789 01:25:47.239 --> 01:25:49.720 that is taking money from Ukraine or his son his 1790 01:25:49.920 --> 01:25:52.239 and lied about it, and now we're seeing pictures of 1791 01:25:52.439 --> 01:25:55.520 him at the meetings we have never seen of course 1792 01:25:55.600 --> 01:25:58.680 during it when we when you vote for somebody like 1793 01:25:58.760 --> 01:26:02.600 Biden that, along with Hillary Clinton and the Obamas, tried 1794 01:26:02.640 --> 01:26:06.199 to go after Trump for bogus Russia, Russia Russia where 1795 01:26:06.239 --> 01:26:09.479 nothing ever happened. When you have states like New York 1796 01:26:09.800 --> 01:26:14.520 that actually change laws in retrospreck just to go after 1797 01:26:14.760 --> 01:26:18.199 one person, and I guarantee every one of those felonies 1798 01:26:18.399 --> 01:26:19.399 will be thrown out. 1799 01:26:19.640 --> 01:26:21.800 I don't see where any of the character. 1800 01:26:21.560 --> 01:26:21.920 Is in that. 1801 01:26:22.119 --> 01:26:25.119 And then I'll give you the biggest one, who my parents, 1802 01:26:25.479 --> 01:26:27.800 who are probably way more liberal than you. 1803 01:26:27.960 --> 01:26:29.119 Quite frankly, Cynthia. 1804 01:26:29.680 --> 01:26:33.199 My parents can't stand the fact he looked them straight 1805 01:26:33.239 --> 01:26:36.159 in the eye through the television and told everybody in 1806 01:26:36.199 --> 01:26:39.880 this country he would never pardon that coke doing horror 1807 01:26:39.920 --> 01:26:44.960 screwing son of his. So that is not character whatsoever. 1808 01:26:45.239 --> 01:26:48.680 And Biden raised his son, and his son is now 1809 01:26:48.720 --> 01:26:51.920 I believe married to his dead brother's wife. 1810 01:26:52.119 --> 01:26:54.039 Is that correct. There's just another thing. 1811 01:26:54.359 --> 01:26:57.039 So when we talk about character, I would say this 1812 01:26:57.119 --> 01:27:00.920 to you, Trump has more character in his life little Pinky, 1813 01:27:01.359 --> 01:27:05.359 in my opinion, than Biden has or Harris has, who 1814 01:27:05.359 --> 01:27:09.319 couldn't answer any question when she's running for president in 1815 01:27:09.399 --> 01:27:10.760 their entire body. 1816 01:27:11.000 --> 01:27:12.279 That's how I would answer that. 1817 01:27:13.000 --> 01:27:17.119 Well, can I just say, course, we have to guyfect 1818 01:27:17.319 --> 01:27:20.800 character and get in where we sit in accordingly. I 1819 01:27:20.800 --> 01:27:25.560 guess that's just the name of the game, right, Yeah, Yeah, 1820 01:27:25.600 --> 01:27:27.840 So that's all. That's all I wanted to know. 1821 01:27:28.000 --> 01:27:29.960 I just I think it's more of it. I'll tell 1822 01:27:30.000 --> 01:27:31.399 you something else for people. 1823 01:27:31.840 --> 01:27:32.479 I like it. 1824 01:27:32.720 --> 01:27:34.159 Okay, I'm gonna be honest. 1825 01:27:34.199 --> 01:27:36.520 A lot of people go, oh, I like his policies, 1826 01:27:37.119 --> 01:27:39.079 but I don't like the man. I mean, I hear 1827 01:27:39.159 --> 01:27:41.119 that more than anything about Trump, and a lot of 1828 01:27:41.119 --> 01:27:42.600 people do. We can all agree on that. 1829 01:27:44.239 --> 01:27:44.760 Let me finish. 1830 01:27:44.800 --> 01:27:47.000 I'll let you say all kinds of stuff, Doc, but 1831 01:27:47.000 --> 01:27:50.479 but here's what. Here's what I truly think and believe 1832 01:27:50.520 --> 01:27:54.119 and listen, Me and Ross Kaminsky have arguments about this 1833 01:27:54.199 --> 01:27:56.720 all the time, me and Martino, me and a lot 1834 01:27:56.760 --> 01:27:57.159 of people. 1835 01:27:57.319 --> 01:28:00.239 But here's the bottom line. I like it. I like 1836 01:28:00.319 --> 01:28:01.479 how arrogant he is. 1837 01:28:01.720 --> 01:28:04.840 I like he wants to rename the golf of Mexico 1838 01:28:04.920 --> 01:28:07.079 the golf of America, and I like that he puts 1839 01:28:07.159 --> 01:28:09.039 that out there in the news and pushes all these 1840 01:28:09.039 --> 01:28:11.399 people's buttons. I like that he says, we're going to 1841 01:28:11.439 --> 01:28:13.560 take this straight back. I like that he says I'm 1842 01:28:13.560 --> 01:28:16.600 going to go in and take Greenland. I love this stuff. 1843 01:28:16.880 --> 01:28:20.159 I think America first. I want my kids to be 1844 01:28:20.319 --> 01:28:24.279 more successful. In your children and their children to be 1845 01:28:24.399 --> 01:28:27.079 more successful than anybody else in the world. 1846 01:28:27.319 --> 01:28:28.000 I don't want to. 1847 01:28:27.960 --> 01:28:30.760 Have to go to a hospital that's thirty percent over 1848 01:28:30.800 --> 01:28:35.119 capacity like we were talking about, because of illegal immigration 1849 01:28:35.279 --> 01:28:37.560 and a homeless problem that the liberals do. 1850 01:28:37.920 --> 01:28:39.359 So I like his ideas. 1851 01:28:39.399 --> 01:28:42.640 I like his policy, and quite frankly, I love his 1852 01:28:42.920 --> 01:28:43.920 approach to him. 1853 01:28:43.760 --> 01:28:48.800 Doc immigration, inflation, unemployment, Cynthia. 1854 01:28:48.920 --> 01:28:52.000 I really do appreciate you calling. I mean, you call 1855 01:28:52.079 --> 01:28:54.279 up in you and you say stuff. But now that 1856 01:28:54.319 --> 01:28:57.319 I'm done ranting is I know some people are going 1857 01:28:57.399 --> 01:29:01.000 to say, I'm very curious, what are your thoughts on 1858 01:29:01.039 --> 01:29:03.760 what I said? What is your retort? 1859 01:29:04.039 --> 01:29:07.319 Well, I respect you guys so much, and that's why 1860 01:29:07.399 --> 01:29:09.600 it was so hard for me to ask that question 1861 01:29:10.119 --> 01:29:14.119 because I don't like to, you know, have people in 1862 01:29:14.199 --> 01:29:16.439 politics because it's such a heated deal. 1863 01:29:16.600 --> 01:29:18.479 Poor you got that right, I think? 1864 01:29:18.800 --> 01:29:23.520 Do you really do you think that Harris had the intelligence, 1865 01:29:23.840 --> 01:29:28.199 the integrity and the Hutzbah to really represent our country 1866 01:29:28.399 --> 01:29:31.520 without laughing like a hyena at public media. 1867 01:29:31.560 --> 01:29:34.399 Well, let's not even get into that kind of personal attack. 1868 01:29:34.720 --> 01:29:37.800 I don't think that's necessary. The point is is that 1869 01:29:37.920 --> 01:29:41.760 I just wanted for some people that I respect so much. 1870 01:29:42.800 --> 01:29:46.239 Tom and Mark I love you as well. You guys 1871 01:29:46.279 --> 01:29:48.680 are like brothers, and I was so glad when you 1872 01:29:48.720 --> 01:29:51.920 guys came on together. And I've been a listener for 1873 01:29:52.000 --> 01:29:55.079 so long. I could tell you how Tom firsty initially 1874 01:29:55.119 --> 01:29:56.359 helped me back in the day. 1875 01:29:56.479 --> 01:29:58.920 Awesome. You know what I want to know real quick? 1876 01:29:58.960 --> 01:30:00.439 What did he do to hear that? 1877 01:30:00.920 --> 01:30:05.880 Well, my daughter is but back in the day, her 1878 01:30:06.000 --> 01:30:10.520 dad used to pay me child support through Social Services. Well, 1879 01:30:10.600 --> 01:30:15.560 social services never gave me my money from him until 1880 01:30:15.560 --> 01:30:18.000 the fifteenth of the month, which made me late on 1881 01:30:18.079 --> 01:30:23.159 all my payments. Tom got involved and it changed that experience. 1882 01:30:23.319 --> 01:30:24.039 That's so cool. 1883 01:30:24.560 --> 01:30:28.880 Yeah, And when Rosan Novak was here, I don't know 1884 01:30:28.920 --> 01:30:32.920 if you remember that car dealership, Tom helped me with that. 1885 01:30:33.119 --> 01:30:36.000 A rental car hit my car and knocked it clear 1886 01:30:36.039 --> 01:30:38.000 down the street and I had to tase it back 1887 01:30:38.039 --> 01:30:42.079 to Rosanovac, which used to be in the area of 1888 01:30:42.199 --> 01:30:45.960 National Jewish Hospital back in the day. And so he's 1889 01:30:46.039 --> 01:30:47.439 been a life saver. 1890 01:30:47.920 --> 01:30:52.199 I love it, and I meant to ask you, hold on, Cynthia, 1891 01:30:52.520 --> 01:30:55.159 you know something. I want to take credit for something here. 1892 01:30:55.920 --> 01:30:59.920 I think when it comes to politics, I think I've 1893 01:31:00.119 --> 01:31:02.640 kind of brought Tom around a little bit. 1894 01:31:03.199 --> 01:31:04.279 I think you have to. 1895 01:31:04.560 --> 01:31:09.680 He would probably argue that as he's gotten older, or as. 1896 01:31:09.600 --> 01:31:12.279 People get older, you get more liberal. 1897 01:31:12.479 --> 01:31:15.840 I don't know how that works, because I haven't reached that. 1898 01:31:16.279 --> 01:31:19.199 I would almost argue the opposite. But I think Tom 1899 01:31:19.279 --> 01:31:20.640 has gotten more conservative. 1900 01:31:21.119 --> 01:31:24.560 Yeah, it's the opposite. I've gotten more conservative. But I 1901 01:31:24.600 --> 01:31:26.239 think you've you've mellowed Tom out. 1902 01:31:26.279 --> 01:31:26.600 Trump. 1903 01:31:26.600 --> 01:31:30.279 Hey, give me a go Trump. I'm sorry, Oh, grar 1904 01:31:30.359 --> 01:31:31.279 me a go Trump. 1905 01:31:32.159 --> 01:31:35.079 Oh for me to go Trump. I don't think so. 1906 01:31:35.960 --> 01:31:36.520 I tried. 1907 01:31:36.760 --> 01:31:38.840 I tried to bring her around. It didn't work. Three 1908 01:31:38.920 --> 01:31:41.359 oh three, Hey, Cynthia, thank you. Three oh three seven, 1909 01:31:41.439 --> 01:31:43.439 one three eight two five five. 1910 01:31:48.720 --> 01:31:51.960 Go with a sure thing Denver's best roofer Excel roofing 1911 01:31:52.079 --> 01:31:52.680 dot com. 1912 01:31:52.720 --> 01:31:58.439 You don't pay a cent until you're content. Time for 1913 01:31:58.479 --> 01:31:59.479 an insurance check up. 1914 01:31:59.560 --> 01:32:03.960 Free obligation comparison call Compass Insurance, pay too much your 1915 01:32:04.000 --> 01:32:06.920 coverage at dozens of insurance companies find out Now three 1916 01:32:07.000 --> 01:32:09.520 oh three seven seven to one help. You'll think you're 1917 01:32:09.560 --> 01:32:12.079 his only customer when you choose Frank durand the real 1918 01:32:12.159 --> 01:32:15.159 estate Man dot com to list your home with Remax 1919 01:32:15.199 --> 01:32:25.039 Alliance three oh three nine two zero sixteen twenty two. 1920 01:32:24.159 --> 01:32:28.279 Three oh three seven one three eight two five five. 1921 01:32:29.079 --> 01:32:33.840 You know what I mean. I I I'm gonna jump 1922 01:32:34.319 --> 01:32:36.680 back to the phones, but I just need to make 1923 01:32:36.680 --> 01:32:39.520 a comment. So if you go to YouTube dot com 1924 01:32:39.840 --> 01:32:42.479 and you type in Troubleshooter Network, there's basically a show 1925 01:32:42.520 --> 01:32:43.159 within a show. 1926 01:32:43.399 --> 01:32:47.479 Something I've learned over the years is we end up 1927 01:32:47.520 --> 01:32:50.319 doing more. I don't even like calling them politics. I 1928 01:32:50.359 --> 01:32:52.600 call it real world. But whatever you can refer to 1929 01:32:52.640 --> 01:32:56.239 them however you want. Then we used to do and 1930 01:32:56.399 --> 01:32:59.680 really where that all turned was COVID. I mean, COVID 1931 01:32:59.720 --> 01:33:03.159 is real where everything kind of did get political. When 1932 01:33:03.199 --> 01:33:05.560 you're forced to get shots and people getting fired and 1933 01:33:05.600 --> 01:33:08.600 businesses shut down. You can call it political. But I 1934 01:33:08.640 --> 01:33:11.199 know a lot of the lefties out there they had 1935 01:33:11.239 --> 01:33:13.680 to get their shot, they had to get all that, 1936 01:33:13.720 --> 01:33:15.760 and I got a flu shot too, or I'm sorry, 1937 01:33:15.800 --> 01:33:18.439 a COVID shot or whatever they call it. I remember 1938 01:33:18.479 --> 01:33:22.159 the COVID shot was a vaccine, and then it found 1939 01:33:22.159 --> 01:33:23.960 out that if you get it, you can still give 1940 01:33:24.000 --> 01:33:26.399 it to people and you can still get it. So 1941 01:33:26.479 --> 01:33:30.319 they redefined a vaccine, which is the most insane thing 1942 01:33:30.319 --> 01:33:33.680 in the world. But so anyhow, I just got a 1943 01:33:33.680 --> 01:33:36.520 comment on YouTube from first of all, the guy's name 1944 01:33:36.840 --> 01:33:38.079 is Sob as. 1945 01:33:39.680 --> 01:33:39.800 Par. 1946 01:33:39.960 --> 01:33:42.079 Nobody in their right mind would ever buy. 1947 01:33:42.079 --> 01:33:45.039 A Sob so And what was the comments wu'sand so 1948 01:33:45.239 --> 01:33:46.960 she had to fire me up during the break. 1949 01:33:47.000 --> 01:33:48.159 That's what this comes down to. 1950 01:33:48.399 --> 01:33:51.159 Mark again, you are on the wrong side of politics 1951 01:33:51.199 --> 01:33:54.159 and your facts are colored by your bro mance for Trump. 1952 01:33:54.199 --> 01:33:56.520 Trump is very low energy person. 1953 01:33:57.319 --> 01:34:02.319 Trump low energy? Can you imagine that Trump is low energy? Wow? 1954 01:34:02.359 --> 01:34:05.359 We just lost power, lost power dragon, and I assume 1955 01:34:05.359 --> 01:34:06.239 we're still on the air. 1956 01:34:06.399 --> 01:34:09.239 Yeah, the board and everything is on a special power supply, 1957 01:34:09.319 --> 01:34:10.319 so now we're back. 1958 01:34:10.359 --> 01:34:10.920 Good cool. 1959 01:34:10.920 --> 01:34:13.520 So anyway, So, yeah, I just don't know what to 1960 01:34:13.560 --> 01:34:16.960 say to him. One is, his name is Sob sob guy. 1961 01:34:17.840 --> 01:34:20.840 I'm sorry, there's about eight people around me? Is anybody 1962 01:34:20.920 --> 01:34:23.079 here a SOB guy? Does anybody like soba? 1963 01:34:23.119 --> 01:34:26.800 I've been seeing a sob in forever, not since the nineties. 1964 01:34:27.279 --> 01:34:28.399 To me, tree, do you love him? 1965 01:34:28.600 --> 01:34:28.680 Uh? 1966 01:34:28.800 --> 01:34:29.359 No, I don't. 1967 01:34:29.359 --> 01:34:31.640 But one of my neighbors still drives a white SOB 1968 01:34:31.680 --> 01:34:34.159 and he's got biting hair stickers all over the back. 1969 01:34:34.600 --> 01:34:36.600 Guy three oh three, right there, that's probably. 1970 01:34:39.560 --> 01:34:40.880 Geez And then. 1971 01:34:40.800 --> 01:34:42.199 I got rid of it in eighty six. 1972 01:34:42.840 --> 01:34:45.000 My god, man, it's SOB guy. 1973 01:34:45.119 --> 01:34:47.640 Go to a different forum, then, bro, I mean, what 1974 01:34:47.680 --> 01:34:49.039 do you want me to tell you? 1975 01:34:49.800 --> 01:34:49.880 So? 1976 01:34:50.000 --> 01:34:52.760 I put up a pole. I put up a pole 1977 01:34:52.840 --> 01:34:56.119 on Facebook, or I'm sorry on YouTube once again. Go 1978 01:34:56.159 --> 01:34:59.479 to YouTube dot com and type in troubleshooter network. I 1979 01:34:59.560 --> 01:35:04.680 put up a poll asking other people a question about sob. 1980 01:35:05.039 --> 01:35:06.800 So if you want to see that, I suggest you 1981 01:35:06.800 --> 01:35:09.920 go there, and I suggest you actually look at his 1982 01:35:10.039 --> 01:35:13.479 comment and then uh join in the poll. That's what 1983 01:35:13.520 --> 01:35:16.840 I ask Now, George, you've been holding a while? First 1984 01:35:16.880 --> 01:35:17.880 of all, what is going on? 1985 01:35:17.960 --> 01:35:18.359 George? 1986 01:35:18.439 --> 01:35:21.399 I know this is a follow up, but what tell 1987 01:35:21.399 --> 01:35:22.359 me the original? 1988 01:35:22.439 --> 01:35:22.760 Call? 1989 01:35:24.960 --> 01:35:25.760 Good afternoon? 1990 01:35:25.800 --> 01:35:27.239 How are you I'm doing good? George? 1991 01:35:27.279 --> 01:35:29.640 I mean my wife gets me fired up. I love 1992 01:35:29.720 --> 01:35:32.119 having her on my side during the show. But boy, 1993 01:35:32.199 --> 01:35:34.439 she knows how to get me riled up. But go ahead. 1994 01:35:35.560 --> 01:35:40.840 Well, the original call was that there's a swap builders. 1995 01:35:40.960 --> 01:35:42.800 They're actually located out in Colorado. 1996 01:35:45.520 --> 01:35:48.279 Oh and what happened with Schwab builders. 1997 01:35:48.680 --> 01:35:51.279 They basically they would take people with money, they would 1998 01:35:51.279 --> 01:35:52.920 make believe they would you know, they would fix their 1999 01:35:52.920 --> 01:35:56.359 homes and take you know, take that money takes. 2000 01:35:56.399 --> 01:35:57.600 How much did they take for me? 2001 01:35:57.800 --> 01:36:00.479 This is I'm looking at the Mitri he's foramiliar with 2002 01:36:00.520 --> 01:36:03.079 the case, but for everybody listening, how much did they 2003 01:36:03.159 --> 01:36:04.319 end up taking from you? 2004 01:36:06.359 --> 01:36:07.680 Three hundred fifty thousand dollars? 2005 01:36:07.720 --> 01:36:12.039 Oh my god, three hundred, three hundred and fifty thousand. 2006 01:36:12.119 --> 01:36:13.399 What were they going to do for that? 2007 01:36:14.720 --> 01:36:18.279 Well, we purchased, we purchased a house from Abbi Schwab 2008 01:36:18.439 --> 01:36:23.199 and we gave just abby two hundred and fifty thousand dollars. 2009 01:36:23.760 --> 01:36:26.079 Then he allowed us to move into the house and 2010 01:36:26.479 --> 01:36:30.239 fix the house before we could move in. Long story shorts, 2011 01:36:30.239 --> 01:36:33.920 he's just a fraud. And we also find out yesterday 2012 01:36:33.960 --> 01:36:37.600 that A. V. Schwab and his son Sean Schwab, who 2013 01:36:37.600 --> 01:36:42.800 are Schwab remodelers, and Schwab builders, the just the Attorney 2014 01:36:42.880 --> 01:36:46.840 General office. They had a they were indicted yesterday. 2015 01:36:46.920 --> 01:36:48.079 Oh my god, thank god. 2016 01:36:48.119 --> 01:36:50.680 It's more than that. More than that, they got thrown 2017 01:36:50.680 --> 01:36:51.600 in the slammer. 2018 01:36:51.720 --> 01:36:53.880 Give us a little give us a little background on 2019 01:36:53.960 --> 01:36:55.479 what these guys were doing, Dimitri. 2020 01:36:55.640 --> 01:36:59.840 Oh well, Sean Schwab is a proud member of our 2021 01:37:00.039 --> 01:37:03.840 anonymous Sleeze Brigade. And there's a picture of him there, 2022 01:37:04.439 --> 01:37:08.199 and so he and his dad operated this this scam. 2023 01:37:08.239 --> 01:37:12.039 They have dozens of victims. They finally got indicted for many, 2024 01:37:12.119 --> 01:37:17.000 many counts of theft as well as multiple violations of 2025 01:37:17.039 --> 01:37:21.399 the COCA And that's a really, really really big deal. 2026 01:37:21.439 --> 01:37:26.479 That's the Colorado Organized Crime Control Act. So they got 2027 01:37:26.479 --> 01:37:29.439 thrown the slammer. They're in Denver right now, and there's 2028 01:37:29.479 --> 01:37:32.520 another hearing on Monday, and I might actually stop by 2029 01:37:32.560 --> 01:37:34.439 the courthouse to see what's going on over there. 2030 01:37:35.439 --> 01:37:35.720 Man. 2031 01:37:35.800 --> 01:37:37.640 But you said they got thrown in the slammer. 2032 01:37:37.800 --> 01:37:40.840 One point one million dollar bail each. Wow. 2033 01:37:40.960 --> 01:37:44.159 And they had to give up Apparently they had multiple passports, 2034 01:37:44.359 --> 01:37:45.960 so the judge made them turn in. 2035 01:37:46.239 --> 01:37:47.920 These guys were ready to split town. 2036 01:37:48.199 --> 01:37:49.760 Oh yeah, and shot. 2037 01:37:49.880 --> 01:37:52.159 How much money do you think they how much money? 2038 01:37:52.239 --> 01:37:54.439 Is the DA saying they snagged you know. 2039 01:37:54.439 --> 01:37:56.800 They said that there are dozens of victims, ranging from 2040 01:37:56.840 --> 01:37:58.640 five thousand to quarter of a million. 2041 01:37:59.359 --> 01:38:01.039 And it's hard to say. 2042 01:38:01.079 --> 01:38:04.640 But Sean is he you know, he's got tons of 2043 01:38:04.640 --> 01:38:07.560 photos on social media. It's like he was pretending to 2044 01:38:07.600 --> 01:38:10.039 be some kind of an influencer. That's greaz Yeah. So 2045 01:38:10.079 --> 01:38:14.479 he's in Miami, he's got fancy watches, he's got Lamborghini. 2046 01:38:13.840 --> 01:38:16.159 And it's all fake. Oh, it's all fake. It's all 2047 01:38:16.199 --> 01:38:19.319 stolen money. Well yeah, or fake in both. Oh yeah, 2048 01:38:19.439 --> 01:38:21.960 you're right, meaning he's trying to look richer than even 2049 01:38:22.000 --> 01:38:22.880 from the money he stole. 2050 01:38:22.960 --> 01:38:24.720 I'm sure these were rental Lamborghinis. 2051 01:38:25.000 --> 01:38:28.159 So George Man, I love the follow up you gave. 2052 01:38:28.239 --> 01:38:30.800 I feel horrible for you getting taken for three hundred 2053 01:38:30.800 --> 01:38:34.760 and fifty grand from these thieves, I mean, these apparent thieves. 2054 01:38:35.840 --> 01:38:37.479 Well, we weren't able to get a judgment. We have, 2055 01:38:37.960 --> 01:38:42.079 we got a judgment of over three hundred and fifty 2056 01:38:42.119 --> 01:38:43.680 thousand dollars, which we also have. 2057 01:38:44.760 --> 01:38:47.840 Uh yeah, but do they have any assets? Do they 2058 01:38:47.840 --> 01:38:48.520 have assets? 2059 01:38:49.760 --> 01:38:50.920 They do have assets. 2060 01:38:51.000 --> 01:38:53.960 Yeah, so they see some assets. 2061 01:38:54.079 --> 01:38:56.279 Well, it's going to be a laundry list. Of people 2062 01:38:56.319 --> 01:38:58.840 that are going to try and get retribution because of 2063 01:38:58.960 --> 01:39:01.520 all the you know, everything been defrauded. Yeah, they were 2064 01:39:01.520 --> 01:39:05.479 in Denver seven news seven news last night that a 2065 01:39:05.520 --> 01:39:07.840 news article on them was similar to what the other 2066 01:39:07.880 --> 01:39:12.199 gentleman was mentioning. Yeah, well, I just want to share 2067 01:39:12.359 --> 01:39:15.680 that sometimes karma does come back and bite you in 2068 01:39:15.720 --> 01:39:16.079 the button. 2069 01:39:16.079 --> 01:39:18.239 Boy, you're not kidding, man. I'm really glad it did. 2070 01:39:18.319 --> 01:39:21.000 I hope they got I hope they go to prison 2071 01:39:21.079 --> 01:39:24.000 for a long time. You know, economic crimes, people go, oh, 2072 01:39:24.000 --> 01:39:26.119 we can you know, we've got to handle these other 2073 01:39:26.199 --> 01:39:26.920 things first. 2074 01:39:27.199 --> 01:39:29.600 And I'm not saying there's not crimes. 2075 01:39:29.640 --> 01:39:32.720 It should be handled quicker, especially when it comes to 2076 01:39:32.800 --> 01:39:34.359 dispatching police or something. 2077 01:39:34.640 --> 01:39:35.880 But let me tell you. 2078 01:39:36.239 --> 01:39:39.640 Somebody like Don Eiley that took over ten million dollars 2079 01:39:39.960 --> 01:39:44.359 from different clients. He created suicides, he created divorces, he 2080 01:39:44.720 --> 01:39:48.640 ruined families. So economic crime goes a lot more than 2081 01:39:48.680 --> 01:39:51.319 oh I got taken for three hundred and fifty thousand. 2082 01:39:51.319 --> 01:39:53.640 If that's all you have in your life and you're 2083 01:39:53.680 --> 01:39:57.520 in your sixties, that's the difference between retiring at a 2084 01:39:57.680 --> 01:40:02.640 normal pace in a comfortable way, retiring on basically some 2085 01:40:02.720 --> 01:40:06.159 form of disability or something. I mean, it's it's crazy. 2086 01:40:06.600 --> 01:40:08.680 I hope they throw the book at the guy. George 2087 01:40:08.720 --> 01:40:11.800 and I appreciate the update three h three seven one 2088 01:40:11.880 --> 01:40:15.439 three eight two five five. Another issue with waste connection 2089 01:40:15.640 --> 01:40:19.399 coming up. And then Mike's got a comment on the hospital. 2090 01:40:19.439 --> 01:40:24.439 We were talking about Reagan UCLA Hospital in Los Angeles 2091 01:40:24.479 --> 01:40:28.399 one hundred and thirty percent capacity. This is before the fire, 2092 01:40:28.760 --> 01:40:30.680 and we had some people go out there that we 2093 01:40:30.760 --> 01:40:33.600 know very well. They ended up staying in the hallway 2094 01:40:33.640 --> 01:40:36.000 the whole time. They couldn't leave the hospital. I don't 2095 01:40:36.000 --> 01:40:38.279 want to get into why, but basically. 2096 01:40:37.880 --> 01:40:43.840 They did a procedure there and the procedure created an infection, 2097 01:40:44.279 --> 01:40:46.319 so they couldn't even go back to the hotel. So 2098 01:40:46.359 --> 01:40:49.960 they were literally stuck in the hospital in a hallway. 2099 01:40:50.479 --> 01:40:54.159 And then eventually one night they go to use the restroom. 2100 01:40:54.159 --> 01:40:57.520 There's a homeless guy in the restroom defecating in the 2101 01:40:57.560 --> 01:40:59.199 middle of it. But once again, one. 2102 01:40:59.159 --> 01:41:02.359 Hundred and thirty's one of the best hospitals in the country. 2103 01:41:07.640 --> 01:41:10.880 Go with a sure thing Denver's Best roofer Excel roofing 2104 01:41:11.000 --> 01:41:11.600 dot com. 2105 01:41:11.640 --> 01:41:14.880 You don't pay a cent until you're content than. 2106 01:41:17.000 --> 01:41:20.199 Time for an insurance check up free, no obligation comparison 2107 01:41:20.319 --> 01:41:23.880 call Compass insurance paying too much your coverage at dozens 2108 01:41:23.920 --> 01:41:26.640 of insurance companies find out now three oh three seven 2109 01:41:26.640 --> 01:41:29.000 to seven to one help. You'll think you're his only 2110 01:41:29.079 --> 01:41:31.560 customer when you choose Frank durand the real estate Man 2111 01:41:31.600 --> 01:41:35.000 dot com to list your home with Remax Alliance three 2112 01:41:35.079 --> 01:41:40.720 oh three nine two zero sixteen twenty two. 2113 01:41:41.479 --> 01:41:43.880 All right, three oh three seven one three eight two 2114 01:41:43.920 --> 01:41:46.680 five five. We only have John Jones Junior for a 2115 01:41:46.800 --> 01:41:50.159 little a little more time. Neil's got a problem with 2116 01:41:50.199 --> 01:41:53.239 waste connections, which is crazy. Neil, You're gonna be first 2117 01:41:53.319 --> 01:41:57.079 up right after the break, and then Mike I'll follow 2118 01:41:57.119 --> 01:41:59.760 by you. I'm simply going in times and then in 2119 01:42:00.079 --> 01:42:01.800 issue with a catalytic converter. 2120 01:42:02.279 --> 01:42:03.640 We're going to be talking about. 2121 01:42:03.680 --> 01:42:06.000 I'm not sure what that is, but John Jones Junior, 2122 01:42:06.239 --> 01:42:08.680 I know I'll have you for a few minutes. But really, 2123 01:42:08.720 --> 01:42:11.520 when we talk open enrollment, the most important part is 2124 01:42:11.760 --> 01:42:15.199 the windows closing. If someone hasn't shopped their health insurance, 2125 01:42:15.399 --> 01:42:18.119 it is time to do it now. Most cases they 2126 01:42:18.159 --> 01:42:19.760 have till the fifteenth. 2127 01:42:19.560 --> 01:42:22.159 Yes, sir so for individual and family under age sixty five. 2128 01:42:22.199 --> 01:42:24.800 If you buy your own health insurance through Connect for 2129 01:42:24.840 --> 01:42:28.800 Health Colorado or direct with an Affordable carret qualified health 2130 01:42:28.800 --> 01:42:31.640 insurance compan or a company that offers affordable caret qualified 2131 01:42:31.680 --> 01:42:35.600 health insurance plans, the deadline is January fifteenth, and that's 2132 01:42:35.600 --> 01:42:37.800 to get a February first effective date. Like I said, 2133 01:42:37.800 --> 01:42:40.600 if you've started the process through Connect for Health they do, 2134 01:42:40.760 --> 01:42:43.000 you'll have a couple more days to get that enrollment in. 2135 01:42:43.920 --> 01:42:46.279 But yeah, I mean keep in mind there's for most 2136 01:42:46.279 --> 01:42:48.359 people out there, there's over eighty plans to try to 2137 01:42:48.399 --> 01:42:48.840 sort through. 2138 01:42:48.920 --> 01:42:52.079 Oh my, and so you might say money might have 2139 01:42:52.159 --> 01:42:54.039 more tax credits. I mean, you might be able to 2140 01:42:54.039 --> 01:42:56.199 find a better plan if you have surgeries coming up 2141 01:42:56.239 --> 01:42:56.600 this year. 2142 01:42:56.680 --> 01:42:58.279 Yes, sir, So that's what we're going to have all 2143 01:42:58.279 --> 01:43:00.760 those conversations to really help narrow that down real quick 2144 01:43:00.920 --> 01:43:02.279 and try to pay point. What's going to help you 2145 01:43:02.279 --> 01:43:02.960 out the best, folks. 2146 01:43:03.000 --> 01:43:05.800 These guys dig in to you and your family and needs. 2147 01:43:06.000 --> 01:43:08.279 They're not like these eight hundred numbers they run on 2148 01:43:08.399 --> 01:43:11.640 CNN late at night or whatever. These are people that 2149 01:43:11.800 --> 01:43:16.199 live in our community. John and his dad and his mom. 2150 01:43:16.239 --> 01:43:18.680 They live this stuff. Their team lives this stuff. 2151 01:43:18.840 --> 01:43:21.560 They know all the best plans, but the most important 2152 01:43:21.560 --> 01:43:23.760 part is they know the plan for you. There's a 2153 01:43:23.800 --> 01:43:26.439 big difference between the twenty four year old shopping and 2154 01:43:26.520 --> 01:43:29.119 a forty year old shopping. They know all the tax credits, 2155 01:43:29.319 --> 01:43:31.720 they know everything. They're going to listen to your needs 2156 01:43:31.800 --> 01:43:36.920 and make the recommendations. It cost you nothing, seriously nothing. 2157 01:43:37.399 --> 01:43:40.760 Call these people. Three oh three four sixty six fifty 2158 01:43:40.840 --> 01:43:44.159 five hundred. Three oh three four sixty six fifty five hundred, 2159 01:43:44.199 --> 01:43:44.920 John real quick. 2160 01:43:44.920 --> 01:43:47.000 I did want to there is another open if you're 2161 01:43:47.000 --> 01:43:49.880 on a Medicare advantage plan, certainly open enrollment for that 2162 01:43:50.359 --> 01:43:53.359 annual enrollment period ended on December seventh. But if you're 2163 01:43:53.359 --> 01:43:55.039 on a plan, you got sold a plan, or you're 2164 01:43:55.079 --> 01:43:56.840 in a plan that you're not happy with, do you 2165 01:43:56.880 --> 01:43:59.520 have January advantage for a Medicare advantage, you're going to 2166 01:43:59.560 --> 01:44:01.760 talk about first in March thirty first to do that. 2167 01:44:01.800 --> 01:44:03.800 We're going to talk about that after the break. That's 2168 01:44:04.000 --> 01:44:07.760 very important. Three oh three four sixty six fifty five hundred. 2169 01:44:07.840 --> 01:44:11.119 One line open three oh three four six six fifty 2170 01:44:11.119 --> 01:44:14.760 five hundred. That's Integra Insurance. I'll see you in about 2171 01:44:14.800 --> 01:44:15.560 six minutes. 2172 01:44:16.119 --> 01:44:19.399 Go with a sure thing Denver's best roofer Excel Roofing 2173 01:44:19.479 --> 01:44:22.119 dot com. You don't pay a cent until you're content. 2174 01:44:25.520 --> 01:44:28.680 Time for an insurance check up free, no obligation. Comparison 2175 01:44:28.840 --> 01:44:32.399 call Compass Insurance paying too much your coverage at dozens 2176 01:44:32.399 --> 01:44:35.119 of insurance companies find out now three oh three seven 2177 01:44:35.119 --> 01:44:37.479 to seven to one help. You'll think you're his only 2178 01:44:37.600 --> 01:44:40.039 customer when you choose Frank durand the real estate Man 2179 01:44:40.079 --> 01:44:43.560 dot com to list your home with Remax Alliance three 2180 01:44:43.560 --> 01:44:52.439 oh three nine two zero sixteen twenty two. 2181 01:44:53.479 --> 01:44:56.439 News. So you don't have. 2182 01:45:00.880 --> 01:45:03.720 Good gonna help? 2183 01:45:04.000 --> 01:45:04.359 Come? 2184 01:45:05.920 --> 01:45:10.079 This is the Troubleshooter Show. No Tom Martino. 2185 01:45:10.439 --> 01:45:12.399 Hey, welcome to the show, the only show if it's kind. 2186 01:45:12.439 --> 01:45:16.239 We're here to solve problems, answer questions, take complaints. Man, 2187 01:45:16.279 --> 01:45:18.359 We've got a lot going on behind the scenes too, 2188 01:45:18.439 --> 01:45:21.199 So please join us on anytime. You can watch it 2189 01:45:21.279 --> 01:45:23.760 later on when you get home from worker from back 2190 01:45:23.800 --> 01:45:24.760 in your car whatever. 2191 01:45:24.960 --> 01:45:25.279 I don't. 2192 01:45:25.439 --> 01:45:28.000 I don't suggest watching us on YouTube while you're driving, 2193 01:45:28.000 --> 01:45:28.760 by anything. 2194 01:45:28.520 --> 01:45:30.479 They could listen about your victomy on YouTube. 2195 01:45:30.560 --> 01:45:32.520 Oh let's not go into what we were talking about. 2196 01:45:32.520 --> 01:45:36.000 But you go to YouTube dot com and then you 2197 01:45:36.279 --> 01:45:39.119 type in Troubleshooter Network. It's so nice having your wife 2198 01:45:39.199 --> 01:45:44.720 in with you in studio with you to point out certainly. 2199 01:45:44.439 --> 01:45:46.720 You're keeping it real on YouTube. 2200 01:45:47.760 --> 01:45:51.199 Three oh three Bartino by the way, seriously, that number 2201 01:45:51.199 --> 01:45:52.319 works on and off the air. 2202 01:45:52.760 --> 01:45:55.359 And we've got a full house today. Deputy Docs next 2203 01:45:55.359 --> 01:45:57.800 to me on my right, Deputy Dmitri Kelly, of course, 2204 01:45:57.920 --> 01:46:01.920 Dragon and then Suzanne, and then we have our guests 2205 01:46:01.920 --> 01:46:03.840 today and I'm gonna ask him a question real quick. 2206 01:46:03.840 --> 01:46:06.399 Then we're gonna hop we got full lines. Neil, Bob, Milton, Greg, 2207 01:46:06.640 --> 01:46:10.560 I promise I'm coming to you. But here's here's the deal. 2208 01:46:10.600 --> 01:46:14.960 I want to ask John Jones, Junior Integrainsurance dot Com. 2209 01:46:15.000 --> 01:46:18.039 These guys are the health insurance experts. But I didn't 2210 01:46:18.079 --> 01:46:21.279 realize that if you had an advantage plan, the open enrollment, 2211 01:46:21.520 --> 01:46:26.279 because open enrollment for most stuff, medicare normal, medicare Part 2212 01:46:26.319 --> 01:46:29.279 A and B, and then for anything on the exchange 2213 01:46:29.680 --> 01:46:30.560 all ends. 2214 01:46:30.319 --> 01:46:31.159 On the fifteenth. 2215 01:46:31.199 --> 01:46:33.760 So those people better call quick and I'll give the 2216 01:46:33.840 --> 01:46:36.199 number out. But they better call quick to make sure 2217 01:46:36.279 --> 01:46:39.079 they're in the right plan. They can't save more money, etc. 2218 01:46:39.479 --> 01:46:43.000 But if you're on an advantage plan, what so Medicare 2219 01:46:43.000 --> 01:46:45.399 Advantage has a couple enrollment periods. You have your annual 2220 01:46:45.479 --> 01:46:48.079 enrollment period, which is October fifteenth to December seventh. 2221 01:46:48.159 --> 01:46:50.319 That's where you can change your Medicare advantage plan for 2222 01:46:50.359 --> 01:46:54.079 the next year effect of January first. Then you have 2223 01:46:54.159 --> 01:46:57.800 an open enrollment period, which is January first to March 2224 01:46:57.840 --> 01:46:59.880 thirty first. That's if you got in the wrong plan 2225 01:47:00.079 --> 01:47:02.880 or you missed the advantage long advantage plan. So this 2226 01:47:02.920 --> 01:47:07.199 is only Medicare advantage, not prescription drug plans, not Medicare supplements, 2227 01:47:07.239 --> 01:47:08.439 don't deal with really any of that. 2228 01:47:08.680 --> 01:47:11.359 If you're an advantage plan right now and don't like it, 2229 01:47:11.399 --> 01:47:14.520 you can switch to another advantage, but you can't switch 2230 01:47:14.560 --> 01:47:15.760 to regular Medicare now. 2231 01:47:15.920 --> 01:47:19.000 It's also the advantage disenrollment period, so you can disenroll 2232 01:47:19.000 --> 01:47:21.960 from Medicare advantage. However, to get a Medicare supplement, if 2233 01:47:21.960 --> 01:47:24.159 you've been on that advantage plan longer than twelve months 2234 01:47:24.159 --> 01:47:27.640 and it's your first time on that plan, then you 2235 01:47:27.720 --> 01:47:30.000 have to medically qualify for the supplement. So you want 2236 01:47:30.039 --> 01:47:32.840 to make sure that you don't just disenroll and see 2237 01:47:32.880 --> 01:47:35.039 because then you could just be stuck with original Medicare 2238 01:47:35.239 --> 01:47:37.479 and nothing else. Here's one to make sure you qualify 2239 01:47:37.520 --> 01:47:39.039 for a supplement if you wanted to do that. 2240 01:47:39.119 --> 01:47:41.119 Here's the people I want, Well, I want everybody to 2241 01:47:41.119 --> 01:47:43.800 call you with any health insurance questions, but here's the 2242 01:47:43.880 --> 01:47:46.560 people based on what you just said, I really want 2243 01:47:46.560 --> 01:47:48.359 you to call. And I'm going to give an example 2244 01:47:48.399 --> 01:47:52.199 with Suzanne's mom. Your mom has Medicare advantage. She called 2245 01:47:52.199 --> 01:47:54.800 about two weeks ago. We were driving home from the 2246 01:47:54.840 --> 01:47:56.960 show and she goes, she goes, hey, guys, what do 2247 01:47:57.039 --> 01:47:59.479 you think of this? I got to wait three months 2248 01:47:59.479 --> 01:48:01.560 to go in and have my knee X ray. Her 2249 01:48:01.600 --> 01:48:03.920 knee's been bothering her forever. She needs a new knee. 2250 01:48:03.960 --> 01:48:05.840 But you know, people don't want to do it. But 2251 01:48:05.960 --> 01:48:09.920 regardless of the point, in order to actually get to 2252 01:48:10.039 --> 01:48:12.920 the right doctor, she's got to have the imaging done 2253 01:48:13.239 --> 01:48:17.039 and it was a three month wait because she'sn't an 2254 01:48:17.079 --> 01:48:17.880 advantage plan. 2255 01:48:18.239 --> 01:48:19.680 I'd argue that all day. 2256 01:48:19.520 --> 01:48:23.399 Long because her coverage is only inside that plan right, 2257 01:48:23.600 --> 01:48:25.119 almost like an HMO. 2258 01:48:25.239 --> 01:48:27.079 And it could be an HMO. A lot of advantage 2259 01:48:27.119 --> 01:48:30.000 plans are were you having network, a specific network of 2260 01:48:30.039 --> 01:48:34.399 doctors and us access to Yes, sir, so wait. 2261 01:48:34.640 --> 01:48:35.239 Let me finish it. 2262 01:48:35.439 --> 01:48:39.039 So they have a three month wait, and she's in Atlanta, Georgia, 2263 01:48:39.319 --> 01:48:41.920 and listen to this three month wait just to get 2264 01:48:41.960 --> 01:48:44.920 in there. I told her, I said, well, if you 2265 01:48:44.960 --> 01:48:47.760 add normal Medicare A and B, you can go to 2266 01:48:47.800 --> 01:48:50.319 most doctors out there. You wouldn't have to stay in 2267 01:48:50.359 --> 01:48:52.960 the plan. Hell, she could come to Colorado and get 2268 01:48:52.960 --> 01:48:54.000 it done right. 2269 01:48:53.800 --> 01:48:57.119 Correct, So doctor a hospital that accepts original Medicare. 2270 01:48:56.800 --> 01:48:57.880 Which is almost everybody. 2271 01:48:58.000 --> 01:49:00.560 It's about I think approximately ninety three or so percent. 2272 01:49:00.640 --> 01:49:03.560 So think about that ninety three percent coverage. If you're 2273 01:49:03.560 --> 01:49:07.079 in an advantage plan, there's not many advantages that I 2274 01:49:07.159 --> 01:49:07.439 know of. 2275 01:49:07.520 --> 01:49:07.680 Now. 2276 01:49:07.720 --> 01:49:11.399 Listen, these guys are the expert. Some people they simply 2277 01:49:11.439 --> 01:49:12.880 don't want to pay anymore. 2278 01:49:13.159 --> 01:49:15.239 And that's a lot of people with the advantage plan. 2279 01:49:15.479 --> 01:49:17.800 But what they're not thinking about is time they might 2280 01:49:17.880 --> 01:49:20.680 have to wait for any form of a network service. 2281 01:49:20.880 --> 01:49:22.640 And then the other thing is how much. 2282 01:49:24.399 --> 01:49:26.600 How do you put this just the care in general, 2283 01:49:26.800 --> 01:49:28.840 you want to go to the best cancer doctor in 2284 01:49:28.880 --> 01:49:32.399 the world, or the best doctor for this or that. 2285 01:49:32.399 --> 01:49:34.119 That's not going to be in your network and you 2286 01:49:34.159 --> 01:49:36.840 can't leave your network. But if you're in Medicare A 2287 01:49:36.960 --> 01:49:39.640 and B, that opens up the whole damn country to you, 2288 01:49:39.680 --> 01:49:42.279 a most sure and everybody. 2289 01:49:42.399 --> 01:49:44.840 Then that's where we're gonna We're gonna ask questions, We're 2290 01:49:44.840 --> 01:49:47.279 going to fact find, we're going to do a needs analysis. 2291 01:49:47.279 --> 01:49:49.920 We're gonna have those conversations. And number one, it's education. 2292 01:49:50.000 --> 01:49:52.760 We want you to be educated and understand what medicare does, 2293 01:49:53.079 --> 01:49:55.279 how it works, what a supplement is, what an advantage 2294 01:49:55.279 --> 01:49:57.840 plan is. We do both will help you. We can 2295 01:49:57.840 --> 01:50:01.800 help individuals either way. So so yeah, we can. We 2296 01:50:01.840 --> 01:50:03.199 can help walk you through that. If you are on 2297 01:50:03.239 --> 01:50:06.359 advantage playing though currently and you're not happy with it, 2298 01:50:06.479 --> 01:50:08.720 or you do have the ability to change, you have 2299 01:50:08.760 --> 01:50:11.640 that or open enrollment period which is January first to Marchtown. 2300 01:50:11.680 --> 01:50:13.680 Yeah, I'm telling you call these guys you're going to see. 2301 01:50:13.760 --> 01:50:17.560 You know, all these commercials with a Fonsie and everybody else. 2302 01:50:17.600 --> 01:50:19.319 You know, a guy that was on heart to heart 2303 01:50:19.399 --> 01:50:22.399 back in the eighties is trying to sell these people 2304 01:50:22.439 --> 01:50:24.479 out there. You want to go with someone local, you 2305 01:50:24.520 --> 01:50:26.640 call Integra. It's simple as that. I can go to 2306 01:50:26.680 --> 01:50:28.199 integrainsurance dot com. 2307 01:50:28.359 --> 01:50:31.399 We've known John and John and Day and all the 2308 01:50:31.439 --> 01:50:33.039 ownership and all the employees. 2309 01:50:33.239 --> 01:50:35.640 They're great people. They'll never steer you wrong. They're going 2310 01:50:35.720 --> 01:50:39.039 to put you in what is right for you and yours. 2311 01:50:39.520 --> 01:50:42.600 Three oh three four six six fifty five hundred and please, 2312 01:50:42.920 --> 01:50:44.960 you know, I know this sounds like a commercial, but 2313 01:50:45.000 --> 01:50:47.359 the bottom line is it helps. I don't know what 2314 01:50:47.399 --> 01:50:49.000 else to say. These guys help you. 2315 01:50:49.239 --> 01:50:52.119 If you haven't made the call and check different options, 2316 01:50:52.119 --> 01:50:56.439 you're crazy. Things change every year and open enrollment stops 2317 01:50:56.439 --> 01:50:58.760 on the fifteenth for a lot of stuff, and then 2318 01:50:58.880 --> 01:51:02.600 that advantage you'll rethink that the advantage plan. And I've 2319 01:51:02.680 --> 01:51:06.039 learned firsthand from Suzanne's mom, like three months to get 2320 01:51:06.079 --> 01:51:08.720 imaging done because of where they're at and they can't 2321 01:51:08.720 --> 01:51:11.039 go out a network or they end up paying cash. 2322 01:51:11.319 --> 01:51:14.239 It's insane. Three zero three four. 2323 01:51:14.199 --> 01:51:19.840 Sixty six fifty five hundred. Hey, John Junior, I appreciate it, man. 2324 01:51:20.039 --> 01:51:21.600 It was a great show. It was great having you 2325 01:51:21.640 --> 01:51:24.039 in and I love the information you give to our listeners. 2326 01:51:24.079 --> 01:51:25.920 Thank you, Mark, and thanks for having me in. All right, 2327 01:51:25.960 --> 01:51:27.079 thank you to everyone. 2328 01:51:27.359 --> 01:51:29.840 Now before I jump to the phones, I'm going to 2329 01:51:29.920 --> 01:51:33.399 do this. We've got Leslie. She's the owner of Panacea 2330 01:51:33.479 --> 01:51:36.760 Life on I have contacted. I'm just gonna pull her up, Doc, 2331 01:51:36.800 --> 01:51:39.279 I've got to be able to talk here. So Leslie, 2332 01:51:39.359 --> 01:51:42.600 first of all, I appreciate you coming on, but honestly, Leslie, 2333 01:51:42.680 --> 01:51:44.079 I'm getting a little frustrated. 2334 01:51:44.119 --> 01:51:45.600 We had another call today. 2335 01:51:45.840 --> 01:51:49.119 They're telling me the shipping label for the product shows 2336 01:51:49.159 --> 01:51:51.960 as it's never shipped, it hasn't moved, it's not going 2337 01:51:52.000 --> 01:51:55.199 towards them. But their credit card's already been charged. And 2338 01:51:55.439 --> 01:51:58.920 we're going on almost forty five days. Leslie, I mean, 2339 01:51:58.960 --> 01:52:01.199 how do we appease these people? How do we get 2340 01:52:01.239 --> 01:52:03.800 them their product? How do we get this back to normal? 2341 01:52:05.880 --> 01:52:06.079 Yeah? 2342 01:52:06.119 --> 01:52:08.079 Thanks Mark, it's Leslie. 2343 01:52:08.479 --> 01:52:08.640 Well. 2344 01:52:08.680 --> 01:52:12.359 I wanted to explain a couple things first, please. One, 2345 01:52:12.479 --> 01:52:18.520 we had our fulfillment long term fulfillment person unexpectedly left 2346 01:52:18.960 --> 01:52:23.000 in late November, and so this did cause us some issues. 2347 01:52:23.399 --> 01:52:26.279 And now we've you know, we hired somebody, they've been 2348 01:52:26.359 --> 01:52:28.920 trained and so we're back up and running. But that 2349 01:52:29.000 --> 01:52:33.760 did cause us a weak blip the first of December. Also, 2350 01:52:33.840 --> 01:52:38.800 we discovered a December third coquipment. All of the shipments 2351 01:52:38.840 --> 01:52:42.520 on December third were lost by the post office. So 2352 01:52:42.600 --> 01:52:45.560 we're now just sending those trying to figure that out, 2353 01:52:45.640 --> 01:52:48.520 send those back out, and then the you know, the 2354 01:52:48.560 --> 01:52:51.720 post office didn't help us at all in with the 2355 01:52:52.000 --> 01:52:55.359 Christmas and things like that. We I You've sent me 2356 01:52:55.880 --> 01:52:59.880 several customers. Most of their packages were sent out just 2357 01:53:00.079 --> 01:53:03.279 sitting in a post office somewhere. So we've gone ahead 2358 01:53:03.319 --> 01:53:08.039 and reshipped those customers their product. And you know, I 2359 01:53:08.079 --> 01:53:12.159 heard from one of the customers yesterday they both received 2360 01:53:12.439 --> 01:53:15.239 they received two products almost on the same day. 2361 01:53:15.479 --> 01:53:18.399 So well, I just I'm sick of getting the calls. 2362 01:53:18.479 --> 01:53:18.800 Leslie. 2363 01:53:18.880 --> 01:53:20.520 I just can't sugarcoat it anymore. 2364 01:53:20.560 --> 01:53:23.079 I hope you guys get back up to snuff, because 2365 01:53:23.079 --> 01:53:25.079 I'm going to tell you here's what I hear. You know, 2366 01:53:25.199 --> 01:53:27.640 my credit card was charged and I haven't got my products. 2367 01:53:27.680 --> 01:53:29.920 But and here's the butt You're gonna like, believe it 2368 01:53:30.000 --> 01:53:33.520 or not. But I love the product, but I don't 2369 01:53:33.560 --> 01:53:35.600 know what to do anymore because I can't get in 2370 01:53:35.640 --> 01:53:37.079 touch with anybody and. 2371 01:53:37.039 --> 01:53:38.439 I'm not getting my product. 2372 01:53:38.680 --> 01:53:41.000 So they love the product, they don't want to switch 2373 01:53:41.039 --> 01:53:44.199 to another company. So your brand loyalty is great, the 2374 01:53:44.279 --> 01:53:47.439 product is great, but man, we've got to get. 2375 01:53:47.239 --> 01:53:48.119 It to these people. 2376 01:53:48.399 --> 01:53:52.000 I mean, really, I understand the different things that happened, 2377 01:53:52.119 --> 01:53:55.920 but here's what the consumer hears, oh they lost an employee. 2378 01:53:55.920 --> 01:53:59.239 I didn't get it. Oh the post office laws, you can't. 2379 01:53:59.039 --> 01:54:01.239 Get it through to find out a status. 2380 01:54:01.319 --> 01:54:03.319 Yeah, or the other thing is they can't get through 2381 01:54:03.319 --> 01:54:05.239 to you. Look, I don't think you. 2382 01:54:05.199 --> 01:54:08.920 Guys are devious or anything like that, but just please 2383 01:54:08.960 --> 01:54:11.359 stay on the ball with this. Hopefully the new person 2384 01:54:11.439 --> 01:54:14.159 works out. And I do appreciate you coming on the air. 2385 01:54:14.319 --> 01:54:16.439 That shows me that you really do care and you 2386 01:54:16.479 --> 01:54:20.159 guys aren't walking away or something. We love talking about 2387 01:54:20.159 --> 01:54:22.560 your product. Back in the day, we never got one 2388 01:54:22.640 --> 01:54:25.640 complaint for years and years, then all of a sudden 2389 01:54:25.680 --> 01:54:27.920 when we get all these the first thing that goes 2390 01:54:27.920 --> 01:54:30.039 into my mind is, oh, my god, are they going 2391 01:54:30.079 --> 01:54:30.760 out of business? 2392 01:54:30.800 --> 01:54:31.439 What's going on? 2393 01:54:31.680 --> 01:54:34.720 Did Leslie sell and someone else owns it? 2394 01:54:34.720 --> 01:54:36.600 It's just kind of like that. You follow me. 2395 01:54:37.520 --> 01:54:41.239 Yeah, I understand and appreciate your interest. But if anybody 2396 01:54:41.319 --> 01:54:43.960 needs anything, we'll get back to them right away. They 2397 01:54:43.960 --> 01:54:48.479 should just email sales at Panacealife dot com. 2398 01:54:48.520 --> 01:54:50.359 And I got your word on that you guys will 2399 01:54:50.399 --> 01:54:52.439 reply to them. So I'm not getting ones going I 2400 01:54:52.479 --> 01:54:53.319 can't get a reply. 2401 01:54:54.319 --> 01:54:56.560 No, we do it the same day for sure. 2402 01:54:56.399 --> 01:54:57.159 So say it again. 2403 01:54:57.199 --> 01:55:00.199 Please, sales s A. 2404 01:55:00.680 --> 01:55:05.560 L Ees at Tannesselife dot com. 2405 01:55:05.600 --> 01:55:07.960 I love it, Thank you, Leslie. I really do appreciate 2406 01:55:08.000 --> 01:55:10.479 you coming on. That shows me a lot of integrity 2407 01:55:10.560 --> 01:55:10.960 right there. 2408 01:55:11.199 --> 01:55:13.960 And for the people waiting once again, the guy that 2409 01:55:14.079 --> 01:55:16.039 called today what was his name, Pete. 2410 01:55:15.760 --> 01:55:17.760 Pete, And then there was someone on YouTube who's very 2411 01:55:17.760 --> 01:55:19.880 concerned about his order and he was going to listen 2412 01:55:19.920 --> 01:55:20.359 in Yeah. 2413 01:55:20.399 --> 01:55:23.479 So the person on YouTube that's listening right now in Pete, 2414 01:55:23.520 --> 01:55:26.600 I assume you're still listening, email her today and if 2415 01:55:26.600 --> 01:55:29.079 you don't hear back from them, let me know tomorrow. 2416 01:55:29.079 --> 01:55:31.319 But I believe her. I do believe Leslie. She's an 2417 01:55:31.359 --> 01:55:34.640 honest woman. She's a very successful woman. She created a 2418 01:55:34.680 --> 01:55:37.560 great company. And now that I can talk to her 2419 01:55:37.560 --> 01:55:39.840 and kind of understand a little more. But you know, 2420 01:55:40.000 --> 01:55:42.560 the other part to that is and no offense to her. 2421 01:55:42.600 --> 01:55:45.079 But you can only take so many excuses. I don't 2422 01:55:45.079 --> 01:55:48.560 care what the excuses are, valid, invalid? I mean a 2423 01:55:48.600 --> 01:55:50.600 month and a half, two months goes by, you've been 2424 01:55:50.680 --> 01:55:52.279 charged for something and don't get it. 2425 01:55:52.399 --> 01:55:53.560 You're going to be frustrated. 2426 01:55:53.600 --> 01:55:56.239 And if you lose your fulfillment person for orders, why 2427 01:55:56.279 --> 01:55:57.199 even take orders? 2428 01:55:57.279 --> 01:55:59.600 That's why I charge on credit card, charge the card. 2429 01:56:00.159 --> 01:56:04.079 Yeah, but anyhow, let's hope this is done and over with, 2430 01:56:04.199 --> 01:56:06.600 and remember if you do have an issue. Sales at 2431 01:56:06.640 --> 01:56:11.880 Panacea Life dot com. Sales at Panacea Life dot com. 2432 01:56:11.920 --> 01:56:13.560 Where did I leave off here? I got to take 2433 01:56:13.560 --> 01:56:16.520 a break. Then we'll come back. Who's been waiting the longest, 2434 01:56:16.920 --> 01:56:19.880 Neil with waste connections. Neil's got a problem with waste connection, Neil. 2435 01:56:19.920 --> 01:56:22.479 I promise you're up next right after this. And then 2436 01:56:22.560 --> 01:56:27.520 Milton has a issue with a motor home dealer that's interesting, 2437 01:56:27.560 --> 01:56:30.840 and then a Cataltic converter. And then Craig has an 2438 01:56:30.880 --> 01:56:33.560 update on this Kia thing. I met him at Kia 2439 01:56:33.600 --> 01:56:36.199 if that's the right Craig, And I'm dying to see 2440 01:56:36.199 --> 01:56:37.119 what that update is. 2441 01:56:37.159 --> 01:56:38.720 We got a lot of stuff coming up. 2442 01:56:43.199 --> 01:56:46.479 Go with a sure thing Denver's Best roofer Excel roofing 2443 01:56:46.600 --> 01:56:47.159 dot com. 2444 01:56:47.199 --> 01:56:49.239 You don't pay a cent until you're content. 2445 01:56:52.600 --> 01:56:55.800 Time for an insurance check up, free, no obligation comparison 2446 01:56:55.920 --> 01:56:59.479 call Compass Insurance paying too much your coverage at dozens 2447 01:56:59.479 --> 01:57:02.239 of insurance companies. Find out now three O three seven 2448 01:57:02.319 --> 01:57:05.119 seven to one help. You'll think you're his only customer 2449 01:57:05.159 --> 01:57:07.399 when you choose Frank durand the real estate man dot 2450 01:57:07.439 --> 01:57:10.800 com to list your home with Remax Alliance three oh 2451 01:57:10.800 --> 01:57:12.760 three nine two zero sixteen twenty two. 2452 01:57:14.279 --> 01:57:16.880 All right, three oh three seven one three eight two 2453 01:57:16.960 --> 01:57:19.680 five five. Hey Neil, what's going on with waste Connections? 2454 01:57:21.920 --> 01:57:22.199 Hello? 2455 01:57:22.560 --> 01:57:25.880 Yes, sir, let me guess you canceled service and they're 2456 01:57:25.960 --> 01:57:29.199 charging you or they're simply not picking up your trash? 2457 01:57:29.399 --> 01:57:30.119 Which one is it? 2458 01:57:30.159 --> 01:57:31.439 Well? 2459 01:57:31.199 --> 01:57:32.079 All of us? 2460 01:57:32.319 --> 01:57:36.800 All the above? Damn the trifecta. Really, what's going on? 2461 01:57:37.520 --> 01:57:37.600 No? 2462 01:57:37.720 --> 01:57:42.239 I canceled my Well, they missed my my pickap first 2463 01:57:42.359 --> 01:57:44.479 and I called them back and then they said, well, 2464 01:57:44.600 --> 01:57:47.960 somebody probably filled it up that overnight. I go, well, 2465 01:57:48.199 --> 01:57:50.000 my driveway's seven hundred. 2466 01:57:49.720 --> 01:57:51.439 Feet long and nobody comes down my. 2467 01:57:51.520 --> 01:57:55.279 Driveway but for doing the office thing, calling them a 2468 01:57:55.319 --> 01:57:59.439 couple of times, talking to the rap he called me 2469 01:57:59.479 --> 01:58:02.439 and he goes, man, you've been a customer for twenty years. 2470 01:58:02.479 --> 01:58:05.199 Over twenty years, what can we do to fix this problem? 2471 01:58:05.319 --> 01:58:07.079 I thought to myself, I. 2472 01:58:06.960 --> 01:58:09.479 Got you, got it? Okay, you got a hold on. 2473 01:58:09.560 --> 01:58:11.720 Let me put you on hold for a brother. Listen. 2474 01:58:12.720 --> 01:58:17.000 Although when we're just on YouTube, I might occasionally. 2475 01:58:16.279 --> 01:58:18.479 Slip af bomber two. 2476 01:58:18.800 --> 01:58:20.960 Well, I wouldn't even go that far, but who knows. 2477 01:58:21.039 --> 01:58:22.680 I mean, you can call me out on it. But 2478 01:58:22.800 --> 01:58:24.640 we've got to wait for that to lay to build 2479 01:58:24.640 --> 01:58:27.359 a little because now I'm a little wary. But I 2480 01:58:27.399 --> 01:58:29.920 can't wait to hear the rest of the story in 2481 01:58:29.960 --> 01:58:32.880 the meantime, and I'll come to you right after this. 2482 01:58:34.079 --> 01:58:37.760 But an issue with a catalytic converter? What is going 2483 01:58:37.800 --> 01:58:41.039 on with that manly catalytic? 2484 01:58:41.239 --> 01:58:44.159 If you remember, yeah, this is Bob, Bob, Bob here. 2485 01:58:44.199 --> 01:58:46.520 I talked to you last week about the situation. 2486 01:58:47.680 --> 01:58:48.960 To talk to John Fuller. 2487 01:58:49.399 --> 01:58:51.000 I don't know who you talked to. If it was 2488 01:58:51.119 --> 01:58:53.079 last week, I doubt it was me, But give you 2489 01:58:53.079 --> 01:58:55.359 if clue me in what's going on? What happened? 2490 01:58:55.600 --> 01:58:56.880 Yeah, yeah, yeah, I was you. 2491 01:58:57.039 --> 01:59:00.359 You talked to the Fellah. What happened was that purchased 2492 01:59:00.359 --> 01:59:05.520 a vehicle, a truck, and the truck had bad Cadillac inverters. Okay, 2493 01:59:05.680 --> 01:59:09.600 and and uh we we went on. We had a 2494 01:59:09.600 --> 01:59:10.920 conversation with the dealership. 2495 01:59:11.079 --> 01:59:12.359 They came out and talked to you guys. 2496 01:59:12.720 --> 01:59:15.479 Uh, they indicated that they would pitch in five hundred bucks. 2497 01:59:15.520 --> 01:59:17.000 Oh I remember that they were I do. 2498 01:59:17.159 --> 01:59:17.720 That wasn't me. 2499 01:59:17.760 --> 01:59:19.760 And that was that was like three weeks ago. 2500 01:59:22.079 --> 01:59:23.720 Okay, all right, my man off all my time. 2501 01:59:24.279 --> 01:59:25.720 In fact, the owner, that's fine. 2502 01:59:25.760 --> 01:59:28.960 The owner actually came on and I struck a deal 2503 01:59:29.000 --> 01:59:31.439 with them that you were going to go do whatever, 2504 01:59:31.520 --> 01:59:33.640 but they were going to send you five hundred bucks. 2505 01:59:34.479 --> 01:59:37.640 Yes, okay and uh and they hopped all over that 2506 01:59:37.720 --> 01:59:39.760 and so died because I, you know, I just figured 2507 01:59:39.800 --> 01:59:41.760 it would be better than nothing. But I've done some 2508 01:59:41.760 --> 01:59:45.520 research and I wanted to educate you. Uh cat contact 2509 01:59:45.560 --> 01:59:49.399 an attorney. Uh, there's there's there's avarials there there there 2510 01:59:49.399 --> 01:59:52.000 would affect me if I if I were to register 2511 01:59:52.039 --> 01:59:55.279 the vehicle, knowing that the tags I mean, the Cadillac 2512 01:59:55.319 --> 01:59:57.560 and version out there against a law to do so, well, 2513 01:59:57.600 --> 01:59:58.119 no kidding. 2514 01:59:58.680 --> 02:00:02.520 First all, you'd have to have the emission test to 2515 02:00:02.560 --> 02:00:05.520 do that. I mean, everybody knows that you can't. If 2516 02:00:05.560 --> 02:00:08.000 you cut the cats off, that's illegal. 2517 02:00:09.000 --> 02:00:09.479 Right right. 2518 02:00:09.520 --> 02:00:11.680 So knowing that because the vehicle is new enough to 2519 02:00:11.680 --> 02:00:14.439 where I don't have to go through emissions doesn't justify 2520 02:00:14.520 --> 02:00:16.560 them not having to take care of the equipment problem. 2521 02:00:16.720 --> 02:00:18.880 Oh, I I'd agree with that, but I never would 2522 02:00:18.920 --> 02:00:20.159 have said anything different. 2523 02:00:20.239 --> 02:00:22.760 I mean, what's it. Why are you assuming I didn't 2524 02:00:22.800 --> 02:00:23.159 know that? 2525 02:00:24.680 --> 02:00:24.920 Well? 2526 02:00:24.960 --> 02:00:27.960 Because you, when you were you, you offered them to 2527 02:00:27.960 --> 02:00:28.479 be part. 2528 02:00:28.279 --> 02:00:30.800 Of your your your your your. 2529 02:00:31.119 --> 02:00:32.479 Club of. 2530 02:00:33.680 --> 02:00:37.119 Yeah, I told them, But honestly, they were deceiving you 2531 02:00:37.159 --> 02:00:40.039 because they can't. I can't imagine that they didn't realize 2532 02:00:40.039 --> 02:00:44.000 you can't tell a vehicle to somebody without without CADAC 2533 02:00:44.000 --> 02:00:45.880 converts and then knowing that they sold it to me 2534 02:00:45.920 --> 02:00:48.760 and telling me to go down and register it is 2535 02:00:48.800 --> 02:00:50.039 also something that's. 2536 02:00:49.880 --> 02:00:52.920 Supposed to put Bob, just a couple of assumptions here. 2537 02:00:53.000 --> 02:00:55.720 First of all, are you saying the cats were totally 2538 02:00:55.800 --> 02:00:56.680 removed from it? 2539 02:00:57.520 --> 02:01:00.600 That was the original call failed. 2540 02:01:00.960 --> 02:01:02.840 That's what I'm saying. None of this came up in 2541 02:01:02.880 --> 02:01:05.720 the original call. You said it failed emissions. 2542 02:01:07.039 --> 02:01:11.039 No, no, no, I said that will not pass emissions. 2543 02:01:11.279 --> 02:01:12.920 But they told me that since I didn't have to 2544 02:01:12.960 --> 02:01:15.199 go through emissions, it would be acceptable to just go 2545 02:01:15.279 --> 02:01:17.960 down there and just just get the tags and not 2546 02:01:18.039 --> 02:01:19.399 worry about it. But in two years I'll have a 2547 02:01:19.399 --> 02:01:20.800 five thousand dollars bill in not only that. 2548 02:01:20.920 --> 02:01:21.079 Yep. 2549 02:01:21.119 --> 02:01:23.760 But wait, wait, Bob, You're missing a big part here. 2550 02:01:23.800 --> 02:01:26.159 This is the part I got to understand when you 2551 02:01:26.279 --> 02:01:29.159 finally if you did go down and wouldn't pass emissions, 2552 02:01:29.439 --> 02:01:33.640 is it because it needed cats because those cats weren't 2553 02:01:33.640 --> 02:01:34.079 doing the. 2554 02:01:34.119 --> 02:01:36.399 Job or were they literally cut off? 2555 02:01:37.840 --> 02:01:39.279 They were not functioning there? 2556 02:01:39.319 --> 02:01:43.000 Okay, see listen, the semantics is starting to piss me off. 2557 02:01:43.159 --> 02:01:46.520 Here's what I'm asking. Are the cats physically there? I 2558 02:01:46.640 --> 02:01:50.279 understand they weren't working. Are they physically there? There's a 2559 02:01:50.279 --> 02:01:53.840 big difference because if that company sold a vehicle knowing 2560 02:01:53.880 --> 02:01:56.560 there was no cats at all, that's insane. 2561 02:01:57.840 --> 02:02:01.479 The cats were there, and they and we were aware 2562 02:02:01.520 --> 02:02:02.960 of the caspin no good because I went to the 2563 02:02:02.960 --> 02:02:05.520 dealership to find out because the checking was like was on. 2564 02:02:05.920 --> 02:02:08.039 Yes, That's that's where the call came in. 2565 02:02:08.399 --> 02:02:11.760 So there's a couple assumptions you're making about this company. 2566 02:02:12.079 --> 02:02:13.199 One assumption is. 2567 02:02:13.319 --> 02:02:16.960 That every vehicle they get in that is still under 2568 02:02:17.199 --> 02:02:19.960 the exemption for emissions, they go out and run through. 2569 02:02:20.439 --> 02:02:21.520 You're assuming this. 2570 02:02:21.399 --> 02:02:24.720 Company would actually, my god, I'm thinking of like John 2571 02:02:24.760 --> 02:02:27.039 Elway or I'm thinking of AutoNation. 2572 02:02:26.800 --> 02:02:29.800 A Matt go with a sure thing, Denver's Best roofer, 2573 02:02:29.920 --> 02:02:32.840 Excel roofing dot com. You don't pay a cent until 2574 02:02:32.880 --> 02:02:39.319 you're content time for an insurance checkup free no obligation. 2575 02:02:39.359 --> 02:02:43.199 In comparison, call Compass Insurance paying too much your coverage 2576 02:02:43.199 --> 02:02:45.880 at dozens of insurance companies find out now three oh 2577 02:02:45.920 --> 02:02:48.279 three seven to seven to one help. You'll think you're 2578 02:02:48.319 --> 02:02:50.840 his only customer when you choose Frank durand the real 2579 02:02:50.920 --> 02:02:53.920 estate man dot com to list your home with Remax 2580 02:02:53.960 --> 02:02:57.119 Alliance three oh three nine two zero sixteen twenty. 2581 02:02:56.840 --> 02:02:59.960 Two A three O three seven one three eighteen. 2582 02:03:00.640 --> 02:03:02.560 I love when I help somebody get them five hundred 2583 02:03:02.600 --> 02:03:04.199 bucks and they call me up to school me. 2584 02:03:04.560 --> 02:03:06.920 I mean, come on, man, the cats were there. 2585 02:03:06.960 --> 02:03:08.880 I'm not going to go down that rabbit hole again 2586 02:03:08.920 --> 02:03:12.279 though it's just insanity. Now I'm going to go back 2587 02:03:12.319 --> 02:03:16.079 to potty mouth Neil. You know, Neil, there's certain words 2588 02:03:16.119 --> 02:03:19.760 we can't say. I assume Dragon had a little conversation. 2589 02:03:19.880 --> 02:03:22.359 Dragon. Did you pick up and tell Neil what he 2590 02:03:22.359 --> 02:03:22.760 did wrong? 2591 02:03:22.840 --> 02:03:26.079 Just out of here? So Kelly got him. I hope 2592 02:03:26.079 --> 02:03:28.640 we didn't have to go over every word. 2593 02:03:28.439 --> 02:03:31.600 You can't say. I would assume people know that. But first, 2594 02:03:31.640 --> 02:03:35.479 renew home innovations. Listen, these guys are great if they 2595 02:03:35.479 --> 02:03:38.640 have the most beautiful porcelain sheets for a brand new 2596 02:03:38.680 --> 02:03:42.479 shower wall and the stuff is no maintenance, not low maintenance, 2597 02:03:42.520 --> 02:03:45.199 but no maintenance. They have a huge inventory. They can 2598 02:03:45.239 --> 02:03:48.880 come in and redo that shower in one day. In 2599 02:03:49.039 --> 02:03:52.720 one day. They have rapid installation. Most of the material 2600 02:03:52.880 --> 02:03:55.479 is in stock, but the stuff that isn't. Of course, 2601 02:03:55.520 --> 02:03:57.439 it's going to take longer. You get a free shower 2602 02:03:57.520 --> 02:04:01.000 door right now, but they're worth giving a call absolutely 2603 02:04:01.079 --> 02:04:03.960 for sure to get a bit on that shower three 2604 02:04:04.079 --> 02:04:06.840 oh three, nine oh four to two thousand, or renew 2605 02:04:06.960 --> 02:04:09.359 home Innovations dot com. You can always find them on 2606 02:04:09.439 --> 02:04:12.000 a referral list at referral list dot com. All right, 2607 02:04:12.119 --> 02:04:15.000 Neil pottymouth, you're not gonna say anything else. 2608 02:04:14.880 --> 02:04:17.920 Right, I'm not gonna say anything, Okay. 2609 02:04:18.319 --> 02:04:21.479 So waste Connections, Waste Connections. You couldn't get them to 2610 02:04:21.520 --> 02:04:25.279 pick up a full dumpster. And basically they called you 2611 02:04:25.399 --> 02:04:28.279 up because you've been a customer for twenty years and 2612 02:04:28.319 --> 02:04:30.640 they're like, what can we do for you? So instead 2613 02:04:30.680 --> 02:04:33.600 of just sending a truck out and actually taking care 2614 02:04:33.600 --> 02:04:36.319 of the problem, you know. So where did it go 2615 02:04:36.399 --> 02:04:36.880 from there? 2616 02:04:37.560 --> 02:04:42.319 Well, I canceled my account, right at least they sent 2617 02:04:42.399 --> 02:04:47.560 me a payoff nine hundred and five dollars and nineteen cent. 2618 02:04:47.520 --> 02:04:52.000 So it's a commercial deal, commercial two yard dumpster yep, okay, 2619 02:04:52.439 --> 02:04:58.119 And so I paid it within the timeframe. 2620 02:04:57.720 --> 02:05:01.119 You paid the nine hundred. Okay, all right, Okay. 2621 02:05:00.880 --> 02:05:03.159 The nine hundred wanted them out of my life. 2622 02:05:03.319 --> 02:05:03.560 Yep. 2623 02:05:03.680 --> 02:05:06.159 You know I've never seen a company I get it, 2624 02:05:06.880 --> 02:05:11.439 you know. So anyway, I get a bill in November 2625 02:05:11.960 --> 02:05:16.359 for what for forty four dollars? They never picked up 2626 02:05:16.399 --> 02:05:19.199 the dumpster. They came. 2627 02:05:21.199 --> 02:05:26.960 Better after I canceled than ever they had the twenty years. 2628 02:05:27.640 --> 02:05:28.920 They just came and they did. 2629 02:05:30.159 --> 02:05:32.560 So this is crazy. You bought your way out of 2630 02:05:32.560 --> 02:05:35.640 the contract. You did everything the agreement said, right. 2631 02:05:36.560 --> 02:05:41.039 Everything it said that I said ninety days, send them 2632 02:05:41.039 --> 02:05:43.520 a certified letter. I sent him a certified letter with 2633 02:05:43.640 --> 02:05:46.079 the check at the time I canceled it. 2634 02:05:46.159 --> 02:05:46.520 Got it. 2635 02:05:46.600 --> 02:05:48.720 So so but what are they saying now? What are 2636 02:05:48.760 --> 02:05:51.720 they What is the forty four for? And just out 2637 02:05:51.760 --> 02:05:54.199 of curiosity, is a dumpster still sitting there? 2638 02:05:54.560 --> 02:05:54.880 Full? 2639 02:05:55.239 --> 02:05:56.680 Or the new company emptied it? 2640 02:05:56.960 --> 02:05:59.960 No, they came and they dumped it a week later. 2641 02:06:00.439 --> 02:06:03.439 Oh, but didn't take it. They didn't take that's a 2642 02:06:03.439 --> 02:06:04.319 different truck though. 2643 02:06:05.199 --> 02:06:08.920 I got another dumpster right next to them. Yeah, from 2644 02:06:08.960 --> 02:06:13.840 another company, Yeah, the same month. Yeah, they came every 2645 02:06:13.920 --> 02:06:16.800 two weeks and picked up that dumpster is totally empty. 2646 02:06:17.760 --> 02:06:20.439 Yeah, okay, so now they want forty four bucks. But 2647 02:06:20.560 --> 02:06:22.960 even so, when are they gonna When are they gonna 2648 02:06:22.960 --> 02:06:24.000 come get that dumpster? 2649 02:06:24.840 --> 02:06:29.039 I had to move the dumpster in October because I 2650 02:06:29.079 --> 02:06:31.079 got I built it. 2651 02:06:31.159 --> 02:06:33.239 Okay, well don't I don't even care. Why where'd you 2652 02:06:33.319 --> 02:06:33.720 move it to? 2653 02:06:34.560 --> 02:06:36.880 I just moved it around the backside of my shop. 2654 02:06:37.000 --> 02:06:37.399 Okay. 2655 02:06:37.439 --> 02:06:39.319 So if they come to get it, are they gonna 2656 02:06:39.319 --> 02:06:41.560 claim that they came to get it but it wasn't there? 2657 02:06:42.439 --> 02:06:45.199 Well here I called them on the twenty. 2658 02:06:46.840 --> 02:06:49.600 Let me see, Hey, Neil, let's just skip to this. 2659 02:06:49.680 --> 02:06:52.119 How can we help you right now? It's not over? 2660 02:06:52.239 --> 02:06:54.600 Is it over the forty four bucks? Or is it over? 2661 02:06:54.640 --> 02:06:55.840 Then picking up the dumpster? 2662 02:06:56.600 --> 02:06:56.800 Then? 2663 02:06:56.840 --> 02:07:00.239 I Then I got a bill in December for a 2664 02:07:00.399 --> 02:07:01.239 hundred and. 2665 02:07:03.520 --> 02:07:07.680 Eight do no, go ahead, Dmitri go And the reason 2666 02:07:07.720 --> 02:07:10.640 I'm going to Dmitri honestly, he's in the biz, all. 2667 02:07:10.680 --> 02:07:11.119 Right, Neil. 2668 02:07:11.159 --> 02:07:13.520 So you canceled your service and sent them a check 2669 02:07:13.560 --> 02:07:14.760 for the cancelation fee? 2670 02:07:15.079 --> 02:07:15.600 What month? 2671 02:07:16.560 --> 02:07:16.800 Yep? 2672 02:07:16.880 --> 02:07:21.920 What month that was in. 2673 02:07:21.520 --> 02:07:24.319 Okay, and then the next time you heard from them 2674 02:07:24.399 --> 02:07:26.920 was you got a forty dollars bill in October. 2675 02:07:28.560 --> 02:07:31.319 In October, and the damn dumpster's still there? 2676 02:07:31.600 --> 02:07:33.079 And what was that bill for? 2677 02:07:35.960 --> 02:07:37.079 Doesn't know what you call? 2678 02:07:37.560 --> 02:07:39.520 Well, I mean, does it say there's a line items 2679 02:07:39.520 --> 02:07:42.000 that say for dumpster rental or late fee or what? 2680 02:07:44.760 --> 02:07:45.720 Let me see here. 2681 02:07:46.720 --> 02:07:48.800 Let's let's do this. I gotta take this break. I 2682 02:07:48.800 --> 02:07:49.640 want to put you on this. 2683 02:07:49.760 --> 02:07:51.359 I can talk to him. I'll talk to him off 2684 02:07:51.359 --> 02:07:52.119 the air, talk to him. 2685 02:07:52.119 --> 02:07:54.640 So listen, let Neil, let's do this. I want you 2686 02:07:54.720 --> 02:07:58.319 to give all the information to Kelly. She's gonna email 2687 02:07:58.359 --> 02:08:01.279 it over to Dmitri and he's going to get on it. 2688 02:08:01.319 --> 02:08:03.319 He's going to help you and work through this. But 2689 02:08:03.399 --> 02:08:05.119 he's going to need to know the answer to that 2690 02:08:05.159 --> 02:08:06.279 forty four dollars. 2691 02:08:06.079 --> 02:08:07.920 Question and six dollars question. 2692 02:08:08.079 --> 02:08:10.199 Yeah, And if we can't get through do them or 2693 02:08:10.279 --> 02:08:13.159 change anything. I've got other means of doing it. But 2694 02:08:13.279 --> 02:08:17.279 let's go through possibly the proper channels first and hope 2695 02:08:17.439 --> 02:08:20.720 this fell through the cracks. J Milton Craig, you're next, 2696 02:08:22.439 --> 02:08:25.079 all right, Look at here, Bobby Ross. This is going 2697 02:08:25.119 --> 02:08:27.039 straight over to the cops. He's a guy I was 2698 02:08:27.119 --> 02:08:31.199 just talking about with the vehicle that I couldn't get 2699 02:08:31.239 --> 02:08:33.760 through his head. They sold it with the cat, and 2700 02:08:33.920 --> 02:08:35.720 he was trying to say there was no cat. It 2701 02:08:35.720 --> 02:08:38.720 doesn't matter. Look, man, you can say whatever you want, 2702 02:08:38.760 --> 02:08:41.319 but the threats go directly over to the DA. You 2703 02:08:41.479 --> 02:08:44.359 just already blew it there. Bro, I don't know what 2704 02:08:44.439 --> 02:08:46.479 else to say. You're crazy. You're going to end up 2705 02:08:46.479 --> 02:08:49.439 in big trouble over this. So I'm sorry I hurt 2706 02:08:49.479 --> 02:08:52.159 your little feelings, and I'm sorry you're crying in your 2707 02:08:52.199 --> 02:08:54.640 soup or your beer or whatever you're drinking. 2708 02:08:54.479 --> 02:08:55.600 At one fifty five. 2709 02:08:55.640 --> 02:08:58.039 But the bottom line, my friend, is I got you 2710 02:08:58.159 --> 02:09:00.960 five hundred dollars from that dealer you would never gotten. 2711 02:09:01.119 --> 02:09:03.199 And I also told you you can go to Wyoming 2712 02:09:03.279 --> 02:09:05.840 and get those cats for half the price. So if 2713 02:09:05.840 --> 02:09:08.720 you want to threaten me, not only on Facebook, by email, 2714 02:09:08.920 --> 02:09:10.640 the cops are going to end up with it, you 2715 02:09:10.800 --> 02:09:13.600 big jerk. That's the way it goes. You know what, 2716 02:09:13.840 --> 02:09:16.159 you want to be an ass? Be an ass. You're 2717 02:09:16.159 --> 02:09:18.880 going to end up paying the price for it, you jerk. 2718 02:09:18.920 --> 02:09:21.760 But he's never going to listen again, so I'm sure 2719 02:09:21.760 --> 02:09:23.680 he doesn't hear me right now, boy, I'd love to 2720 02:09:23.680 --> 02:09:26.199 bet on that one. How many people say they never 2721 02:09:26.279 --> 02:09:30.840 listen and tune in like I am gospel? How many 2722 02:09:31.720 --> 02:09:35.279 the more they have, the more they listen. Any contractor 2723 02:09:35.359 --> 02:09:37.439 out there, I've gone after they're glued. 2724 02:09:38.079 --> 02:09:43.640 You're glued. You've gotta be careful, bro. You don't put 2725 02:09:43.840 --> 02:09:47.119 threats in writing. You dummy, You dummy, and we know 2726 02:09:47.199 --> 02:09:52.039 exactly who you are now three zero three Martino. Remember 2727 02:09:52.079 --> 02:09:55.600 that number works on and off the air, three zero 2728 02:09:55.680 --> 02:09:58.520 three Martino. On top of that, you can always email 2729 02:09:58.560 --> 02:10:01.720 help It troubleshooter dot com. We get directly involved. If 2730 02:10:01.720 --> 02:10:05.359 you've been listening to the show, you understand that one Now, 2731 02:10:05.399 --> 02:10:08.760 Milton had an issue with a motor home. Hey, why 2732 02:10:08.760 --> 02:10:11.159 do you have Milton on hold for me? I'll do this. 2733 02:10:11.239 --> 02:10:12.600 I'll go to the update with Craig. 2734 02:10:12.880 --> 02:10:15.960 Craig, the last update I heard, you texted me or 2735 02:10:16.079 --> 02:10:18.520 emailed me in the last I don't know a couple 2736 02:10:18.560 --> 02:10:21.159 of days that the transmission was coming in. 2737 02:10:23.479 --> 02:10:24.800 Yes, did it come in? 2738 02:10:26.760 --> 02:10:27.039 Yes? 2739 02:10:28.239 --> 02:10:32.720 The thing is is that's the first thing they diagnosed, Craig. 2740 02:10:32.840 --> 02:10:36.359 I understand, trust me, I don't have time to recap it. 2741 02:10:36.439 --> 02:10:39.279 But the thing you wanted done at the very beginning, 2742 02:10:39.960 --> 02:10:43.159 was the transmission that was under warranty. They sold you 2743 02:10:43.239 --> 02:10:46.399 everything else in the world that didn't fix it. Did 2744 02:10:46.479 --> 02:10:48.039 the transmission fix it? 2745 02:10:50.000 --> 02:10:50.439 No? 2746 02:10:50.439 --> 02:10:53.319 Now they're putting in another rebuilt transmission. 2747 02:10:53.359 --> 02:10:55.319 Oh my god, I'd get it out of there. I mean, 2748 02:10:55.359 --> 02:10:58.399 how many I can't believe how bad this dealership is. 2749 02:10:59.560 --> 02:11:02.520 Hold on, man, just make sure he calls back tomorrow. 2750 02:11:02.680 --> 02:11:05.279 We're gonna lead the show off with a Rapa Ho Kiah. 2751 02:11:05.520 --> 02:11:07.720 You know what, a Rapa Hokia. I gave you the 2752 02:11:07.760 --> 02:11:10.159 benefit of the doubt, but that guy's car has been 2753 02:11:10.199 --> 02:11:13.520 down there two or three months. Just everybody tune in tomorrow. 2754 02:11:13.640 --> 02:11:16.720 It's gonna be the Rapa Ho Kia Show.