Speaker 1: Ripped off you don't have.
Speaker 2: As fast as we can, Shooter's gonna help.
Speaker 3: Come man, this is.
Speaker 4: The Troubleshooter Show. No Tom Martinez.
Speaker 1: Welcome my friends to the only show of its.
Speaker 5: Kind of here to solve problems, answer questions. We got
Speaker 5: some updates coming up that are unbelievable and we need
Speaker 5: your help today. By the way, in studio with me
Speaker 5: John Jones Junior, we're gonna dive into health insurance and
Speaker 5: I'll tell you why. Open enrollments almost over and it's
Speaker 5: very important. If you have not checked what's going on
Speaker 5: with your health insurance, you do it and I'll tell
Speaker 5: you why with John in a little bit.
Speaker 1: But here's the bottom line. We're here to help.
Speaker 5: You've been ripped off taking advantage of maybe a contractor,
Speaker 5: maybe a bad landlord, maybe a bad dentist. Speaking to dentist,
Speaker 5: I sat in a dentist's chair last night for two
Speaker 5: hours getting a deep clean on my teeth. My god,
Speaker 5: when they say it's like pulling teeth, it's like pulling teeth.
Speaker 1: Now, they did a great job. I really do like
Speaker 1: the dentist.
Speaker 6: I don't want it all the mark.
Speaker 5: Yeah, they were really good. But my goodness. There is
Speaker 5: nothing like having your mouth open for two hours and
Speaker 5: shot up with novacane, and you know, once that novacane's gone,
Speaker 5: it all just sits in.
Speaker 1: It hurts like hell. I'll put it like it is
Speaker 1: anybody anybody that likes to call.
Speaker 6: The ambulance right now?
Speaker 5: Shush it. It's my wife Suzanne making fun of me
Speaker 5: like usual. Now I'll say this. There's one person I
Speaker 5: know that likes a dentist least than May.
Speaker 1: That's Kelly. My god. Don't they totally sedate you when
Speaker 1: you go in? For real?
Speaker 7: I am a very big dentophobiac, and yes I do
Speaker 7: sedation dentistry dentophobiac.
Speaker 5: Can you imagine that you go under to get your
Speaker 5: teeth cleaned or to get a cavity?
Speaker 7: No, it's not under. They give you a series of
Speaker 7: different pills. Yeah, and you started in the morning, and
Speaker 7: then you get there they give you a couple more pills.
Speaker 1: That's horrible.
Speaker 6: So she gets high to get her teeth. No, I
Speaker 6: get they're down.
Speaker 5: To drink a bottle of wine after the pills. She
Speaker 5: put a little kicker on it.
Speaker 7: No, because I'm usually have a bunch of novacane ins.
Speaker 6: Oh my God, it's you know.
Speaker 1: Oh that's the other thing trying to eat with novacane.
Speaker 6: Oh yeah, that sucks.
Speaker 5: Or it's not novaca Yeah it is. No, it's light
Speaker 5: a Kane. Nowadays, novacane's the old stuff.
Speaker 1: Anyhow.
Speaker 5: Three o three seven one three eight two five five
Speaker 5: we have one line open. Three oh three Martino. I
Speaker 5: want to talk real quick about Robin Hood Roofing from yesterday.
Speaker 5: And Dave was a sales guy. I don't know if
Speaker 5: he's the owner, who he is. We tried to reach
Speaker 5: out to these guys. Here's what happened. We had a
Speaker 5: guy call in yesterday. I think it was Clayton. It
Speaker 5: was unbelievable. This this roofing company installed the roof when
Speaker 5: it was done. It was done in July. The guy
Speaker 5: comes out and looks at it and goes, why does.
Speaker 1: It look old?
Speaker 5: Some of the some of the shingles, according to the caller,
Speaker 5: were all curled up and the thing looked old.
Speaker 1: That's the best way he could describe it.
Speaker 5: And by the way, we have an expert going out
Speaker 5: there from Petrolley Roofing that's gonna have feet on the
Speaker 5: ground and tell us exactly what's going on with this
Speaker 5: and he's setting that appointment up today. He's gonna go
Speaker 5: out check it out. But we called up to ask.
Speaker 5: They hung up on us multiple times. I'll let you
Speaker 5: hear from Kelly, who they hung up and in a second.
Speaker 1: But listen to this.
Speaker 5: The guy says, Dave apparently told Clayton it's supposed to
Speaker 5: look old. Those are ass volt shingles designed to look old.
Speaker 5: Is that not what he said, Dimitri, My god.
Speaker 8: That's exactly what he said.
Speaker 9: And so I had a really great business idea of
Speaker 9: producing mattresses, brand new mattresses, concentric yellow stains on.
Speaker 1: That would be great. No, we design those to look.
Speaker 8: Like mattress, just like Clayton's roof.
Speaker 1: So I can't wait till we have boots on the
Speaker 1: ground out there and figure out what the heck is
Speaker 1: going on with Robin roofing. But you tried to call him,
Speaker 1: and we don't call him on Eric, We don't do that.
Speaker 5: Kelly calls offline, We say, hey, what's going on here?
Speaker 5: Would you like to come on and give your side?
Speaker 5: But apparently you're not doing anything about it. You told
Speaker 5: the guy it looks like this. But what happens when
Speaker 5: you called up Kelly.
Speaker 7: I did, so I called up the first time and
Speaker 7: the gentleman Dave did answer, and I said, Hi, I'm
Speaker 7: Kelly calling from the Tom Martino Troubleshooter Show.
Speaker 6: Immediate hang up.
Speaker 7: So then I call him back, thinking maybe somehow someway.
Speaker 6: We got disconnected.
Speaker 7: He answered, because I definitely heard the click of you know,
Speaker 7: somebody answering the phone, and then he immediately hung up again.
Speaker 7: Then he called the station, I guess, to verify that
Speaker 7: we were actually the Tom Martino Trebleshooter Show. So when
Speaker 7: I answered that phone, he hung up again. So then
Speaker 7: I called him back a fourth time, and then he
Speaker 7: ever ever answered, and his mailbox was not or wist full.
Speaker 1: I believe unbelievable.
Speaker 5: The guy won't even say anything soon as they said,
Speaker 5: who we're calling from.
Speaker 1: It's not like we call up on the air.
Speaker 5: He knows that, and I hope he's listening now, and
Speaker 5: I know he was listening after he hung up on
Speaker 5: you four times yesterday, Dave, why don't you be a
Speaker 5: man and come on today and explain what shingle this is?
Speaker 1: That looks old.
Speaker 5: On purpose, because I damn well have never heard of
Speaker 5: anything like that in my life, and quite Honestly, I'm
Speaker 5: going to go out onto a limb right now here,
Speaker 5: I am walking out small limb. I'm going to say,
Speaker 5: you're a liar. That's what I'm gonna say. Now, that's
Speaker 5: my opinion. And we're gonna find out when our expert
Speaker 5: goes out to your client's house.
Speaker 1: And looks at it. But hanging up and not talking
Speaker 1: to your own client is ridiculous. That's David Robin hood roofing.
Speaker 5: And we'll have that report back from our expert with pictures.
Speaker 5: We're gonna post them up and we're gonna tell everybody
Speaker 5: where you can buy shingles that may your house look old.
Speaker 10: Hey, maybe he robs the rich to.
Speaker 8: Give to the poor.
Speaker 1: Yeah, the other way around, he robs the poor to
Speaker 1: get to the rich. Or he robs or possibly doc
Speaker 1: he robs people that sell shingles that have been sitting
Speaker 1: out forever or something.
Speaker 5: I don't know what this guy does, but let's get
Speaker 5: you know what, Let's give him the opportunity to call in.
Speaker 5: There's one line open right now. Dave, please call in,
Speaker 5: or have your boss call in if you have one,
Speaker 5: or your wife, I mean, whoever, just something or you
Speaker 5: know what, don't even come on air. Just call up
Speaker 5: Kelly and tell her what's going on your side of
Speaker 5: the story. You're making this look extremely bad.
Speaker 1: Brother.
Speaker 5: You won't talk to the customer, You won't give anything
Speaker 5: except you.
Speaker 1: Literally told him they're meant to look old. I've never
Speaker 1: heard of anything like that. God bless.
Speaker 5: If you want to ask Dave, if you're interested in
Speaker 5: shingles that look old, so your house looks old and
Speaker 5: they curl up, you're ready, you can call Dave at
Speaker 5: seven to zero seven oh four nine three four five.
Speaker 5: You know what, there probably is somebody out there that
Speaker 5: wants that, right, I mean, who the heck knows?
Speaker 1: Man?
Speaker 5: Now, Monica, this one's crazy. This happened yesterday. Monica called
Speaker 5: in and she has a neighbor above. The neighbor above
Speaker 5: they're in a condo, and basically was remodeling her condo
Speaker 5: above her. She somehow started water coming through the ceiling
Speaker 5: into Monica's unit. We don't know exactly what she did.
Speaker 5: I don't know if she like switched out a sake
Speaker 5: or a toilet. Who knows what she did, It doesn't matter.
Speaker 5: It caused damage to the unit underneath, which is Monica's.
Speaker 5: Then it happened again. So Monica had two claims on
Speaker 5: her insurance. She went up to talk to the neighbor
Speaker 5: and here's what the neighbor said, Well, I'm not going
Speaker 5: to give you any of my insurance information. That's what
Speaker 5: the neighbor told her. So Monica ended up putting it
Speaker 5: through her insurance company, and.
Speaker 1: She had two claims.
Speaker 5: Remember, she didn't cause this damage, the other neighbor did.
Speaker 5: So after that happens, her insurance company reaches out at
Speaker 5: the renewal because she had two claims and said, because
Speaker 5: you put these two claims in, we're gonna go ahead
Speaker 5: and cut you loose. We're not going to insure you anymore.
Speaker 5: And then to add injury to insult her insurance company,
Speaker 5: I believe it was SAFECode goes after the other the
Speaker 5: Ladies insurance company to subrogate the claim, and apparently in
Speaker 5: the HOA documents, this is the part that's mind blowing
Speaker 5: to me. In the HOA documents, it says you can't subrogate.
Speaker 5: So if someone causes you damage that's above you or
Speaker 5: besides you in a condo, or at least in these condos,
Speaker 5: according to the HOA documents, if they don't have insurance,
Speaker 5: or if they do, let's say they do have insurance
Speaker 5: like in this case, and you end up having to
Speaker 5: turn it into yours because the bitch above you won't give.
Speaker 1: You the information. Here's what happens.
Speaker 5: The other company tries to subrogate, she gets a denial
Speaker 5: letter back that says, in your HOA documents, you're not
Speaker 5: allowed to do it. I sent John Fuller, attorney at law.
Speaker 5: He also he also fills in for us right here
Speaker 5: on the show when Tom and I can't be here.
Speaker 5: But I sent him the denial letter and the part
Speaker 5: I believe it was a part of the HOA documents.
Speaker 5: And we talked a little about this yesterday, but we
Speaker 5: ran out of time. John Fuller, Fuller Law, I sent
Speaker 5: you that information. What do you make of this, man, Mark?
Speaker 11: Here's the basic deal. So, in Colorado we have a law.
Speaker 11: It's called the oh, what in the heck is it called?
Speaker 12: Here?
Speaker 11: Fancy name? It's called the Colorado Common Ownership Act. And
Speaker 11: basically the gist of that or that particular section that
Speaker 11: comes into play here is that associations have to maintain
Speaker 11: property and liability insurance, but the insurance company must waigh
Speaker 11: by law, it's right to subrogate again the unit owner
Speaker 11: or any other member of their household. So what does
Speaker 11: that mean. That means if the association files a claim,
Speaker 11: they can't the insurance company can't turn around and then
Speaker 11: individually go after an owner that caused the loss. The
Speaker 11: only acception of that is that the HOA can go
Speaker 11: after the owner for the amount of their deductible, but
Speaker 11: nothing else, not the overall claim. So that leads logically
Speaker 11: to the language that applies to issues between owners, and
Speaker 11: this particular young Ladys HOA has what's called a waiver
Speaker 11: of subrogation. Now it doesn't actually use the words waiver
Speaker 11: of subrogation, so you have to read into the declarations
Speaker 11: and the bylaws of the units. But what you'll find
Speaker 11: out is that it says if there's damage to the unit,
Speaker 11: no matter the cause, if it's caused by the person
Speaker 11: above you, below you, beside you, it doesn't matter. You
Speaker 11: have a duty to repair your unit and use your
Speaker 11: own insurance or your own friends to do that. And
Speaker 11: so the insurance company is one hundred percent correct in
Speaker 11: saying that the language in the declaration prohibits her from
Speaker 11: going after her neighbor or upstairs neighbor or whatever you
Speaker 11: want to call it for.
Speaker 5: This damage except for the deductible that she ended up paying.
Speaker 11: Not No, it doesn't allow an owner to own her
Speaker 11: claim for the deductible. That's only if the association files
Speaker 11: a claim for a homeowner's negligence, they can go after
Speaker 11: the negligent, Oh my god, for the deductible. But it
Speaker 11: doesn't afford that same opportunity to a homeowner that's filing
Speaker 11: a claim and incurring a deductible. John, I think Monica
Speaker 11: is in is up the creek, so to speak.
Speaker 5: But let's not forget this because of this woman's negligence.
Speaker 5: No matter what it is, she's getting canceled and is
Speaker 5: going to have to spend more money on insurance now
Speaker 5: because she ended up putting two claims in. Do you
Speaker 5: see any liability there from the woman above?
Speaker 11: I don't. I personally don't. If the owner can't be
Speaker 11: held liable for the damage, I don't see how they're
Speaker 11: going to be held liable for someone.
Speaker 1: What AM's it for?
Speaker 8: Caller?
Speaker 5: What happens if she didn't have any insurance? Let's pretend
Speaker 5: Monica had no insurance and the woman does it and
Speaker 5: she has no one to turn it into what happens then, John.
Speaker 11: Well, it says that she has to use her own funds.
Speaker 1: Oh my god.
Speaker 5: So if I'm in a condo, if I'm in this condo,
Speaker 5: I can jackhammer my ceiling and screw up the people
Speaker 5: below me.
Speaker 1: And this is insane.
Speaker 13: John.
Speaker 1: I know you're just given the facts.
Speaker 11: To an intentional act. I mean, I think that might
Speaker 11: be just a little bit different, But what it says,
Speaker 11: it doesn't really make that distinction. I'll tell you what
Speaker 11: it says if due to I'll just summarize this. If
Speaker 11: an individual unit shall be damaged, then the owner shall,
Speaker 11: within a reasonable time not to exceed one hundred and
Speaker 11: twenty days, shall diligently pursue repair and reconstruction using any
Speaker 11: available personal insurance proceeds and personal funds of such owner,
Speaker 11: unless the common elements are not repaired and reconstructed as provided.
Speaker 11: So it's as clear as it can be. And this
Speaker 11: is why you want to really use a good real
Speaker 11: estate attorney when you buy a condo or town home
Speaker 11: or something with common shared walls where you actually have
Speaker 11: an association that may dictate your rights. Because this is
Speaker 11: part and parcel of the law in Colorado, and the
Speaker 11: logic behind it is we don't want you know, individual
Speaker 11: units suing each other over and over. I mean, I
Speaker 11: used an example yesterday. What if somebody on the ninth
Speaker 11: floor had a leak and all eight units below them
Speaker 11: got flooded. We don't want eight different lawsuits going on
Speaker 11: in the midst of an annociation. And so, you know,
Speaker 11: it does result in bad outcomes, and certainly it is
Speaker 11: for your call.
Speaker 5: It's unbelievable. She got canceled over this, lady.
Speaker 11: I understand, and she's going to have to find other insurance. Now.
Speaker 11: I don't know that you could make the exact same analogy,
Speaker 11: but there is law on the books in Colorado as
Speaker 11: it pertains to auto accidents that says the insurance company
Speaker 11: can't penalize you for filing a claim for accidents that
Speaker 11: are not your fault. And if I were involved in this,
Speaker 11: which I am not, you know, I would go that's.
Speaker 1: A good question. That's a good question for Compass, you know, yeah, yeah.
Speaker 11: It really, it really is a good question for them,
Speaker 11: because you know, the law seems to really encourage people
Speaker 11: to have insurance, but also monitors and polices the insurance
Speaker 11: companies to say Look, you can't penalize people and cancel
Speaker 11: them for claims that were not their fault.
Speaker 1: I get it, John, John, I appreciate it. I got it.
Speaker 5: I have to get to a break here. That's John
Speaker 5: Fuller Fuller Law. He's my attorney, he's Susanna and I's
Speaker 5: personal attorney. Anything to do with personal injury, and he's
Speaker 5: just the best out there. John Fuller Fuller Law, three
Speaker 5: oh three, five nine seven forty five hundred, Monica, I
Speaker 5: want to have finishing thoughts with you about it. John's
Speaker 5: got an issue with a pull behind motor. I have
Speaker 5: no idea what that means. We've got a problem with
Speaker 5: homeowner's insurance and a problem with a bodykit. We will
Speaker 5: have one line open shortly three zero three, Martino.
Speaker 3: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation. In comparison,
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies. Find out now three oh three, seven
Speaker 3: to seven to one help. You'll think you're his only
Speaker 3: customer when you choose Frank Durand the real estate Man
Speaker 3: dot com to list your home with Remax Alliance three
Speaker 3: oh three nine two zero sixteen twenty two.
Speaker 5: All right, three three seven one three eight two five five.
Speaker 5: I'm a little worked up today if you can't tell.
Speaker 5: But here's the bottom line. There's a lot of bad
Speaker 5: guys out there. I want to finish up.
Speaker 1: By the way.
Speaker 5: This hour brought to you by Frank Duran, the real
Speaker 5: estate Man, a great friend of the show, great friend
Speaker 5: of Suzanne and I.
Speaker 1: In fact, I consider him a brother.
Speaker 5: And if you want the best realatu're out there, I'm
Speaker 5: gonna give you one stat that's amazing. You can look
Speaker 5: it up on MLS. He sells more homes for more
Speaker 5: money in one year or i'm sorry, in one month
Speaker 5: than most realators in Colorado selling a year. I'd argue
Speaker 5: it's about most realtors sell that many in a year
Speaker 5: and a half that he sells in one month. He's
Speaker 5: the best out there. His negotiation skills are the best,
Speaker 5: simple as that. Check him out at Frank durand Holmes
Speaker 5: dot com. If your house has been on the market
Speaker 5: too long and it's not moving, it's getting stale, call Frank.
Speaker 5: Frank duran homes dot Com. Now, I do want to
Speaker 5: finish up real quick. I did not like what John
Speaker 5: Fuller had to say, but Monica, he's the attorney. It
Speaker 5: looks like nothing's gonna happen here. I find it egregious.
Speaker 5: But that's the law in Colorado. So and that's what
Speaker 5: you agree to with the HOA document. So I at
Speaker 5: least we got answers on it, right, even though it feels,
Speaker 5: even though it hurts.
Speaker 14: Yeah, I hear you. I just I just hope I
Speaker 14: can find a company.
Speaker 15: That will ensure me.
Speaker 1: Well, have you called Compass?
Speaker 6: No?
Speaker 14: I haven't.
Speaker 2: I love to get number.
Speaker 1: Listen.
Speaker 5: I want you to, well, Suzanne, what is Compass's phone number?
Speaker 6: Three oh three nine nine six nine thousand.
Speaker 5: Three oh three nine nine six nine thousand. Call up there,
Speaker 5: say you just heard you just you just had Mark
Speaker 5: tell you to call up there. They're gonna search, Listen,
Speaker 5: They're gonna search like twenty different companies and get you
Speaker 5: the best deal out there. Here's what I hope. I
Speaker 5: hope they actually get you better insurance for less money.
Speaker 5: The other thing I did want to ask you, did
Speaker 5: you have any other claims besides the two that this
Speaker 5: woman caused.
Speaker 14: Only one that was the cause from the hoa external
Speaker 14: rock wall that they rebuilt, but that caused damage into
Speaker 14: my house as well.
Speaker 1: My god, but that wasn't your fault either, correct.
Speaker 5: I do want to ask Brian some I'm going to
Speaker 5: put you back on hold, Hey, Kelly, get me Brian
Speaker 5: Burns Compass Insurance, because John was saying, if it's like
Speaker 5: auto insurance auto insurance, if you're in a hit and run,
Speaker 5: someone hits you, runs and you have to turn it
Speaker 5: into your own insurance because you have no idea who
Speaker 5: they are. You're not supposed to get penalized for that.
Speaker 5: They're not supposed to up your rates, they're not supposed
Speaker 5: to cancel you. I want to find out if homeowners
Speaker 5: is the same way, and Brian Burns are expert. Compass
Speaker 5: Insurance is going to find that out for us. It's
Speaker 5: just it's crazy.
Speaker 10: I want to see.
Speaker 16: I have had no claims ever on my home ever
Speaker 16: though of claims on my automobile, and my rates go
Speaker 16: on twenty six percent.
Speaker 1: Yeah, it's well because of all the other claims.
Speaker 16: Yeah, but I've never had a claim and it's stilling
Speaker 16: up twenty six percent.
Speaker 1: Yeah, I know, it's Compass.
Speaker 5: But technically, what I'm saying, Doc, is that would happen
Speaker 5: anyhow because you didn't have any claims. But if you
Speaker 5: did have a claim that wasn't due to your negligence,
Speaker 5: and then your rates went up, if they went up
Speaker 5: over that twenty six percent, they'd be screwing you, right,
Speaker 5: But it's impossible to tell.
Speaker 1: How would you ever know what they're doing.
Speaker 10: It's crazy.
Speaker 5: There's sneaky, there's sneaky as hell. That's the bottom line.
Speaker 5: Oh there he is real quick. Brian Burns. Hey, automotive insurance,
Speaker 5: Brian Burns Compass insurance. Bottom line is automotive insurance. If
Speaker 5: you if a deer runs into your car and you
Speaker 5: have to put it through your own insurance, you're not
Speaker 5: supposed to get penalized by rate increases for that or
Speaker 5: getting canceled.
Speaker 1: Is that correct?
Speaker 13: They're not allowed to charge for coveration, thank you.
Speaker 1: How about homeowners.
Speaker 10: Effect?
Speaker 1: Okay, well then this is crazy.
Speaker 5: Then this I've got to figure out Monica, who is
Speaker 5: your carrier?
Speaker 17: By the way, American family.
Speaker 1: So she's got American family, Brian.
Speaker 5: She had two claims because the woman upstairs caused some
Speaker 5: kind of leak, So two different claims from there, and
Speaker 5: then she had another claim when they were building a
Speaker 5: retaining wall. It's a condo at the at the main property,
Speaker 5: you know, the common grounds. Something happened and that caused
Speaker 5: damage to hers. So she had three claims American families
Speaker 5: canceling her, and none of them were her fault.
Speaker 1: Not none of them. She didn't cause any of the issues.
Speaker 15: Yeah, but what I was saying, maybe I didn't explain
Speaker 15: that correctly or you didn't hear that.
Speaker 5: Right.
Speaker 13: For home claims, they do affect you. It doesn't matter
Speaker 13: if you're not at fault.
Speaker 1: I got you. It's just auto that comprehensive auto claims,
Speaker 1: I gotcha.
Speaker 17: But any kind of claim on the home or condo
Speaker 17: in this.
Speaker 1: Case, yep, I got you.
Speaker 5: Hey, Monica, I tried, man, I thought one more angle.
Speaker 5: I do want you to call Brian up though. Brian,
Speaker 5: here's the bottom line. I think I would love for
Speaker 5: you if you could call us back today during the
Speaker 5: show or reach out to Kelly. I want you to
Speaker 5: talk to Monica. She'll send you the deck page whatever
Speaker 5: you need. We'll give her the information if you could
Speaker 5: run the numbers. I know they canceled her. I don't
Speaker 5: know what her clue report's going to look like. But
Speaker 5: can you see if you can help her out? Seriously?
Speaker 14: Man, Yeah, there's three claims.
Speaker 11: It's gonna take more than today to do.
Speaker 13: I would have to send it out to Okay, that's margin.
Speaker 5: But yeah, okay, hold on, so Monica, that's gonna be
Speaker 5: the bottom line. I'm gonna put you both on hold.
Speaker 5: I got to take another break. But Monica, I want
Speaker 5: you to call Compass.
Speaker 1: Three oh three nine nine six nine thousand or Compass
Speaker 1: Insurance dot com three oh three nine nine six nine thousand.
Speaker 1: Ask for Brian. Just ask for Brian.
Speaker 5: I want you to deal directly with the owner, and
Speaker 5: then as soon as you get something back, I want
Speaker 5: you to call us.
Speaker 1: All right, Monica, Okay, I appreciate it.
Speaker 18: Thank you.
Speaker 5: Hey, I appreciate it too. I wish I had better
Speaker 5: news for you. I just can't believe the law is
Speaker 5: like that, that someone can cause damage and you get negatively,
Speaker 5: negatively affected. Your insurance company can't subrogate, you can't go
Speaker 5: after him.
Speaker 1: It just seems like a bunch of.
Speaker 3: Go with a sure thing. Denver's Best Roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance checkup free, no obligation. In comparison,
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies. Find out now three oh three seven
Speaker 3: to seven to one help. You'll think you're his only
Speaker 3: customer when you choose Frank durand the real estate Man
Speaker 3: dot com to list your home with Remax Alliance three
Speaker 3: oh three nine two zero sixteen twenty two.
Speaker 1: All right three O three seven one three A two
Speaker 1: five five.
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Speaker 5: have one line open three three seven one three eight
Speaker 5: two five five. Holy moly, let's go to Lawrence. He's
Speaker 5: got an issue with a bodykit three oh three Martino. Hey, Lawrence,
Speaker 5: what is a bodykit?
Speaker 19: Well, it's a aftermarket tool for the car, and it
Speaker 19: goes around like skirts and bumper and the hood and
Speaker 19: everything like.
Speaker 1: So it makes it look fancy.
Speaker 11: Rest has aggressive look all right?
Speaker 8: Cool?
Speaker 1: So what happened? Where'd you purchase it?
Speaker 4: So?
Speaker 19: I purchased it online on car id and it came in.
Speaker 19: I was actually at a shop and the person that
Speaker 19: was going to do it was actually in a car accident.
Speaker 19: So it's therefore, Yeah, several months we were hoping that
Speaker 19: he would come back to work, but I guess he
Speaker 19: never did. So I had to go to a few
Speaker 19: other places, and hey, what kind.
Speaker 1: Of car is this, Lawrence?
Speaker 11: It is my dream car.
Speaker 19: It is the uh, the night Rider eighty three Firebird.
Speaker 1: Oh my goodness, are you trying to make it look
Speaker 1: like night Writer?
Speaker 19: No, No, that's that's theirs. I'm trying to do my
Speaker 19: own thing, all right.
Speaker 5: So basically, this eighty three Fireboard, when did you drop
Speaker 5: it off?
Speaker 10: Ah Man?
Speaker 19: If I got the kid like three years ago.
Speaker 1: Holy Holy, I'm okay, I'm not even going to ask
Speaker 1: anymore question. So go ahead. Where are we at now?
Speaker 19: So right now it's at a buddy of mine's house
Speaker 19: and he's been trying to get it on, and I
Speaker 19: went to other places. Like I said, it doesn't drive
Speaker 19: right now because I'm doing some other things to it.
Speaker 19: And so I've been taking pictures and stuff to other
Speaker 19: places and say, hey, this is the body kid, this
Speaker 19: is where I got it from.
Speaker 17: Yeah, and things like that.
Speaker 19: But everyone says they need to see the actual car
Speaker 19: and the body kid.
Speaker 1: Well, fair enough, But what's the problem right now?
Speaker 11: Man?
Speaker 19: Is just getting it on and finding someone that can actually.
Speaker 1: Oh, you're looking for someone that can get it going
Speaker 1: for you?
Speaker 11: Right?
Speaker 1: Oh that's interesting.
Speaker 5: You know what, Let's ask Shared and Auto Tech and
Speaker 5: any listeners out there.
Speaker 1: If you guys know anybody they can do it.
Speaker 5: I almost wonder if our friends at Michael's Autobody would
Speaker 5: be a good fit for this.
Speaker 6: I could text Michael said and ask him.
Speaker 5: Would you ask him if that's something they would do?
Speaker 5: Because they're the best man. They have worked on so
Speaker 5: many of our cars. You can't even tell that were
Speaker 5: worked on. I mean, it's that incredible. So hold on
Speaker 5: a second, Let's ask Kevin Caukin and Suzanne. We don't
Speaker 5: even got to call Kevin. Let's just reach out. Suzanne
Speaker 5: can do that, reach out to Jeff, Kevin, and then
Speaker 5: of course Michael and get their ideas. Hold on a second,
Speaker 5: Lawrence all right, three ZHO three seven one three A
Speaker 5: two five five, John Jones and Tiger Insurance man open enrollment.
Speaker 1: Let's talk about that real quick. When does it end?
Speaker 12: Officially January fifteenth? If if you've started the process through
Speaker 12: Connect for Health Colorado, you'll have until January seventeenth to
Speaker 12: complete that. But officially, technically it's January fifteenth.
Speaker 1: So who should be calling you guys? Right now?
Speaker 5: Let's get right down to the nitty gritty. Anybody on
Speaker 5: the exchange should be any I mean really, any employer
Speaker 5: should be I mean, give me an idea.
Speaker 1: Who should really call you before fifteenth?
Speaker 12: Well, certainly if you're an individual or family that has
Speaker 12: has not made a decision yet to buy to purchase
Speaker 12: health insurance for twenty ten twenty five, definitely please reach out.
Speaker 5: Wait you're talking? Is there a lot of people out
Speaker 5: there that simply have no coverage.
Speaker 12: Yeh, probably not. I mean most people, most people have
Speaker 12: it done and in place by the end of the
Speaker 12: first phase of open enrollment, so December fifteenth, for that
Speaker 12: January first effective date. But it is it's important just
Speaker 12: double check, double check to make sure that your.
Speaker 1: Old plan didn't get modify or cancel.
Speaker 12: That it was renewed if there are any changes to it.
Speaker 12: You do have until the fifteenth to ensure that you
Speaker 12: have coverage for the remainder of twenty twenty five effective
Speaker 12: February first. Now at this point, well.
Speaker 5: Well I'd say it's even more important because if we
Speaker 5: go back a year or two, what was.
Speaker 1: The one that went out of business?
Speaker 12: Well, so we had Bright Healthcare and Friday Health flans
Speaker 12: pretty much in the same like eight month period.
Speaker 5: Yeah, and they both went out and we had people
Speaker 5: call in that moved so they weren't receiving any mail
Speaker 5: or notifications and their coverage went away.
Speaker 12: Well, thankfully, I mean thankfully, we have a very stable
Speaker 12: market right now. All the carriers who are offering plans
Speaker 12: in our state right now have been around for a
Speaker 12: long time, and so it's.
Speaker 5: Not here's what's amazing to mean something like that. There's
Speaker 5: a lot of people out there that probably don't realize.
Speaker 5: So let's say it's a couple and they've got a
Speaker 5: kid or two kids or whatever, and they're only making
Speaker 5: forty thousand or whatever. They're just you know, they're getting by.
Speaker 5: They have an apartment somewhere. They might not even realize
Speaker 5: what those tax credits mean. They might get coverage for
Speaker 5: almost nothing, and you can punch those numbers.
Speaker 4: Yeah, it's true.
Speaker 12: It's true because those numbers move a little bit every
Speaker 12: single year based on how it's calculated. And so you know,
Speaker 12: I talked to multiple clients where they didn't get a
Speaker 12: tax credit in twenty twenty four, they are getting one
Speaker 12: in twenty twenty five. So we've made some changes there,
Speaker 12: and that.
Speaker 5: One of them, if it is a couple, and possibly
Speaker 5: one of them is not employed now, so it doesn't
Speaker 5: matter if they were only a portion of the bread winning.
Speaker 5: That could drastically change where you get the tax credits.
Speaker 12: Absolutely, And that's to another good point is make sure
Speaker 12: a lot of times for people who by the playing
Speaker 12: through connect for ealth Colorado, it's kind of out of sight,
Speaker 12: out of mind. Oh, it's just out of our news but
Speaker 12: if there's changes to your household, if you have a
Speaker 12: child who's no longer part you know, a tax dependent,
Speaker 12: but they're still on your plan and you're getting a
Speaker 12: tax credit for them, that needs to be changed. If
Speaker 12: there's been any certainly like you said, changes to income,
Speaker 12: things like that. So it is important every single year
Speaker 12: to go back in and make sure that the information
Speaker 12: on the application is correct. These guys, everything is.
Speaker 5: What we call them every year. We usually end up
Speaker 5: staying with the same people Suzanna and I. But you
Speaker 5: guys shop everything for us. I mean, and it's crazy
Speaker 5: not to call it really is you guys.
Speaker 1: Just let's put it this way. There's no money out
Speaker 1: of pocket. Period.
Speaker 5: The insurance companies are the ones that pay you. It's
Speaker 5: not like people come out to pay for your advice.
Speaker 5: And what I love about you guys and why we
Speaker 5: personally use you for so many years. You're not like
Speaker 5: these eight hundred numbers. They have a reason to sell
Speaker 5: some plans. It's the bottom line. They make more in
Speaker 5: some plans than they do others. That's just the way
Speaker 5: the insurance biz goes. The people over at Integer Insurance,
Speaker 5: they haven't integrity. My god, that's the bottom line, they're
Speaker 5: gonna say what's best for your family, and they'll do
Speaker 5: it every year. Three oh three four six six fifty
Speaker 5: five hundred. And any questions you have on health insurance,
Speaker 5: he's in studio with us today, give us a call.
Speaker 5: But Integra Insurance three oh three four sixty six fifty
Speaker 5: five hundred or Integrainsurance.
Speaker 1: Dot com call now. If you haven't.
Speaker 3: Checked, go with a sure thing Denver's best roofer Excel
Speaker 3: Roofing dot com. You don't pay a cent until you're
Speaker 3: contenth time for an insurance check up free no obligation
Speaker 3: comparison call Compass Insurance. Paying too much your coverage at
Speaker 3: dozens of insurance companies find out now three oh three
Speaker 3: seven to seven to one help. You'll think you're his
Speaker 3: only customer when you choose Frank durand the real estate
Speaker 3: Man dot com to list your home with Remax Alliance
Speaker 3: three oh three nine two zero sixteen twenty.
Speaker 1: Two Kwindows dot com.
Speaker 5: You're looking for beautiful oupen windows. By the way, those
Speaker 5: windows are made right here in Colorado for Colorado's And
Speaker 5: here's why, man, The energy efficiency is pretty close to
Speaker 5: the drywall. With insulation and everything. These windows are great
Speaker 5: for mountain houses. They're absolutely beautiful, great warranties in Khwindows
Speaker 5: dot Com is a probably one of their biggest installers.
Speaker 5: I mean, they're just great. Go to khwindows dot com
Speaker 5: when you're looking for windows and reach out to them
Speaker 5: Khwindows dot com. Now, did we hear anything back, Suzanne
Speaker 5: from any of our automotive people for Lawrence.
Speaker 20: I have heard back from Michael Sato with Michael's autobody.
Speaker 20: He said they don't do it, but wild Child Customs
Speaker 20: down there in Castle Rock might be a good option.
Speaker 20: Still waiting to hear back from our own car guys,
Speaker 20: Jeffyk and Kevin Call.
Speaker 1: So, Lawrence, one we want you to check is wild
Speaker 1: What is called?
Speaker 20: It is called wild Child Customs in Castle Rocks.
Speaker 1: Wild Child Customs. Got that I do?
Speaker 8: All right?
Speaker 1: Hold on, We're hopefully we get two more texts.
Speaker 5: I can even let you go, man, if you're gonna
Speaker 5: be listening, we'll say it over the air what they are, okay, okay?
Speaker 5: And then I want feedback from your brother. I mean,
Speaker 5: we're we're asking people that we know and trust, so
Speaker 5: they're gonna be good. But I want to know when
Speaker 5: it's all done, how good you follow absolutely, all right,
Speaker 5: thanks Lawrence three O three seven one three eight two
Speaker 5: five five. We're gonna have two lines open three zero
Speaker 5: three Martino.
Speaker 1: Susan, what is going on with you? Susan?
Speaker 14: Hello?
Speaker 1: Yes, how are you? Susan?
Speaker 14: Hello?
Speaker 17: Yes, Hello, I am doing well.
Speaker 14: Hello.
Speaker 8: Hello.
Speaker 6: My I have.
Speaker 21: A couple of.
Speaker 14: Friends eighty eight and seventy seven, and they have a
Speaker 14: homeowner's policy that I was shocked to find out sixteen
Speaker 14: thousand dollars.
Speaker 1: Okay, hold on, let's why hold on, Let's start over
Speaker 1: here because we had a very rocky start.
Speaker 5: I think we each said hello seventy five times. So
Speaker 5: let me ask you this, Susan. The people live in
Speaker 5: the same house or two different homes.
Speaker 14: They live in the same house.
Speaker 1: And their homeowners each year is how much.
Speaker 14: They're built for This year is going to be over
Speaker 14: twenty two thousand. They're built from last.
Speaker 5: Oh wait, wait, I thought you said. I thought you
Speaker 5: said sixteen hundred. Wait a second, I mean, who are
Speaker 5: these the Rockefellers.
Speaker 1: What kind of house is this?
Speaker 14: It is a plane Jane little house in Boulder County.
Speaker 14: I had State Farm give me a quote, and I
Speaker 14: went down line by line and I got him a
Speaker 14: quote with a million dollar umbrella policy for five thousand dollars?
Speaker 1: Well, why are they why didn't they switch to that?
Speaker 5: I don't like State Farm, but why would they renew
Speaker 5: that twenty two thousand dollars? And what insurance company is
Speaker 5: charging that amount?
Speaker 17: Right?
Speaker 14: So it's a farmer's insurance and it is written the
Speaker 14: group is Crest Insurance and Longmont.
Speaker 1: Twenty two thousand for the year, and then you quoted
Speaker 1: it for five thousand, five.
Speaker 14: Thousand from State Farm.
Speaker 1: Now why Okay, let's just go to the real basics.
Speaker 1: So you are already did a lot of the legwork here.
Speaker 1: So what is your question for me?
Speaker 14: I was wondering if there was any way I mean,
Speaker 14: is there any way to get any of their money back?
Speaker 14: I mean, were they just ripped off all these years
Speaker 14: because they're older and taken.
Speaker 1: Advantage of Well to me, it sure sounds like it
Speaker 1: what I would like. Can you get do you happen
Speaker 1: to have? Listen?
Speaker 5: I don't think we're going to get the money back, period,
Speaker 5: but I do want to check into this for another reason.
Speaker 5: I want to see if these brokers did something wrong.
Speaker 5: I really do. So when I say there's no way
Speaker 5: to get money back. That might not be true. I
Speaker 5: need to know what's going on, though, I need a
Speaker 5: copy of the policy they have. Let me put you
Speaker 5: on hold. Listen, Susan, I really want to dig into
Speaker 5: this one. The difference between five and twenty two thousand
Speaker 5: is insane. I got to make sure the coverage is
Speaker 5: very similar.
Speaker 11: Though.
Speaker 5: I don't know what's going on here, but this could
Speaker 5: be something really bad.
Speaker 1: We just got to look at it. Susan.
Speaker 5: Please get me those docks and hold on the phone.
Speaker 5: Two lines open, three oh three Martino.
Speaker 3: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 3: dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation comparison
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three, seven
Speaker 3: to seven to one help. You'll think you're his only
Speaker 3: customer when you choose Frank Durand the real estate Man
Speaker 3: dot com to list your home with Remax Alliance three
Speaker 3: oh three nine two zero sixteen twenty two.
Speaker 4: Rio News.
Speaker 1: So you don't have un anxious ass as you can.
Speaker 8: So that's gonna help coming.
Speaker 22: Man.
Speaker 4: This is the Troubleshooter Show. No Tol Martinez.
Speaker 1: Welcome my friends to the only show it's kind.
Speaker 5: We're here to solve problems and answer questions, take complaints. Hey, listen,
Speaker 5: if you've been ripped off or taking advantage of you know,
Speaker 5: we really do dig in. We really want to help you.
Speaker 5: I want to recoup money for you more than anything,
Speaker 5: but we also want to protect you. So if something's
Speaker 5: going on in your life right now and you're not
Speaker 5: so sure, maybe maybe a few hairs on the back
Speaker 5: of your neck are standing up. You're like, yeah, I
Speaker 5: don't know if I can trust this contractor. I mean,
Speaker 5: give us a call. It's good to get help prior
Speaker 5: to getting ripped off as well.
Speaker 11: Man.
Speaker 5: We have dealt with a lot of cases. We've going
Speaker 5: to do some updates in studio with me. By the way,
Speaker 5: John Jones Integra Insurance and there are healthcare experts, man,
Speaker 5: they really are our health insurance experts. I do want
Speaker 5: to tell everybody out there though, that this hour, my friends,
Speaker 5: This hour is brought to you by Frank Duran, the
Speaker 5: real estate man.
Speaker 1: I love Frank. He has saved us so much money
Speaker 1: and he has made us so much money. He's one
Speaker 1: of the best realtors out there. And if you want
Speaker 1: to sell your house, I want you to call Frank
Speaker 1: check him out at Frank Duran Holmes dot com. Now,
Speaker 1: John Jones Junior, and John, I'm going to go to
Speaker 1: you with this poll behind motor in just second, I promise,
Speaker 1: and we do have lines open three oh three seven, one,
Speaker 1: three eight, two five five. You've got any questions, you
Speaker 1: got any problems. We love going after the bad guys.
Speaker 1: Three oh three Martino, three oh three Martino. By the way,
Speaker 1: you can join us on YouTube and you can hear
Speaker 1: us talk to her in the brakes.
Speaker 5: You go to YouTube dot com. You type in troubleshoot
Speaker 5: her network. You'll find our live stream. It's every day
Speaker 5: mountains own time ten am to two pm. You can
Speaker 5: join the chat. You can ask questions there. And thinking
Speaker 5: about that, we had a good question from someone, uh
Speaker 5: someone on Todd on YouTube is getting ready to turn
Speaker 5: sixty three? Okay, when does he are wondering what kind
Speaker 5: of coverage he should get with medicare?
Speaker 1: In other words, should I get advantage?
Speaker 5: In fact, tell us really quick medicare advantage versus medicare
Speaker 5: with supplements.
Speaker 1: What's the difference.
Speaker 8: Try to be quick about that.
Speaker 12: A supplement simply does what it sounds is supplements Medicare.
Speaker 12: So Medicare A and B remains your primary health insurance coverage,
Speaker 12: and then you have supplements that you could select from
Speaker 12: a supplement from multiple that would supplement and fill in.
Speaker 12: It's also called medic gaps. So you've heard different terminology Medicare, supplement,
Speaker 12: metic gap, they're synonymous. They fill in the gaps or
Speaker 12: supplement original Medicare.
Speaker 5: For example, if I have original Medicare, sure and I
Speaker 5: go into the doctors for anything with the exception of
Speaker 5: a physical each year, Okay, if I go in.
Speaker 1: Do I have a copay? Generally, well I have to
Speaker 1: pay whatever twenty.
Speaker 12: Well, so that would be Medicare Part B. That's your
Speaker 12: outpatient care. That's no.
Speaker 1: But you're saying that that's a supplement.
Speaker 12: Well, well, so you you would have a you get
Speaker 12: Medicare Part A and then you apply for me or
Speaker 12: you get you pay for Medicare Part B. You a
Speaker 12: monthly premium for Medicare Part B. You have to buy
Speaker 12: a gearty for free if you want to supplement or
Speaker 12: an advantage plan. I mean and is certainly recommended because
Speaker 12: Medicare Part A is hospitalization. Medicare Part B is your
Speaker 12: outpatient care. That would be like your LAS. That's what
Speaker 12: I want to services, X rays, things like that, durble
Speaker 12: medical equipment under Medicare Part B and so yes, under
Speaker 12: Medicare Part B, you have a Part B deductible. It's
Speaker 12: two hundred and fifty seven dollars. Next year, then you
Speaker 12: have twenty percent co insurance. Or next year it's this year.
Speaker 12: Now that we're in twenty twenty five, so then you
Speaker 12: have twenty percent co insurance. The supplements, depending on what
Speaker 12: supplement you have, might take some of that up.
Speaker 1: Hold on, I want to dig into it a little
Speaker 1: more so I truly understand it because I'm not close
Speaker 1: to that age yet. So if i have Medicare Part A.
Speaker 5: And B only, sure, and I go into a hospital
Speaker 5: and i end up I'm fighting something horrible and I've
Speaker 5: got a two hundred thousand dollars bill, right, are you
Speaker 5: telling me I'm paying twenty percent?
Speaker 3: No?
Speaker 12: No, no, no, that's Part A. So PARTA is hospitalization,
Speaker 12: it covers everything. Well, no, parday, you have a deductible
Speaker 12: as well, and that's days one through sixty in the hospital,
Speaker 12: day sixty one through ninety you pay a co insurance idea,
Speaker 12: how much that is it's a little more than it's
Speaker 12: like sixteen thirty I'm trying for twenty twenty five, sixteen
Speaker 12: thirty thirty seven right around there. I can look it
Speaker 12: up specifically for twenty twenty five years number to increase
Speaker 12: a little bit, but it's one thousand, six hundred thirty
Speaker 12: is that's your maximum, that's your deductible, and that's that's
Speaker 12: separated by sixty days, and so it's not an annual
Speaker 12: deductible twenty percent there not on that one. Now on
Speaker 12: b that's for days one through sixty. Then once you
Speaker 12: hit day sixty one in the hospital becomes a per
Speaker 12: day co insurance, and then day six ninety, how.
Speaker 1: Much roughly is the cod day the per day it's.
Speaker 12: Four hundred and thirty in twenty twenty four to fourth
Speaker 12: off the top, but it's we're four to thirty right
Speaker 12: around there. I can again, I can give you the
Speaker 12: exactly wait a minute per day day sixty one through ninety,
Speaker 12: and then days ninety one through one hundred and fifty
Speaker 12: that doubles per day, and then day one hundred and
Speaker 12: fifty one and on.
Speaker 1: And these are life most people would be bankrupt.
Speaker 12: Medicare pays nothing after day one hundred and fifty one
Speaker 12: in the day one hundred and fifty in the hospital. Oh,
Speaker 12: that's why a supplement exists. So a supplement.
Speaker 5: Hold on, I want to go to b real quick.
Speaker 5: So you have to go in for a cat scan
Speaker 5: or something like that. You end up paying twenty percent
Speaker 5: with a maximum of what.
Speaker 12: For the year, There is no maximum and again and
Speaker 12: that's after you're deductive, okay.
Speaker 1: And that's why people by the supplet.
Speaker 12: Exactly to fill in those gaps to give you that.
Speaker 1: Now how much?
Speaker 5: And I know it's all based on income and social
Speaker 5: security and everything else, but generally speaking, I don't know
Speaker 5: if you know a media number, but what do people
Speaker 5: spend on just Part A in Part B out of
Speaker 5: their social security?
Speaker 12: So for most people, Part A is free. You've been
Speaker 12: paying into that work hours all you've been most people
Speaker 12: are already paid for it. Part B the base premium
Speaker 12: is one hundred and eighty five this year, and so
Speaker 12: you're going to pay that. And if you're taking social Security,
Speaker 12: that comes automatically out of your social security. If you're
Speaker 12: not taking Social Security, you pay that.
Speaker 5: Core is that one hundred and eighty five a year? No, No,
Speaker 5: that's monthly monthly, So you're paying roughly twenty four hundred.
Speaker 12: Correct, And that's the base premium for Part B. It
Speaker 12: is correct that if you've had higher income in there
Speaker 12: are it's called ERMA and the adjustment amount it could
Speaker 12: be higher, and there's different levels of IRMA IR.
Speaker 5: So right there, you're getting twenty four hundred out of
Speaker 5: your Social Security per year roughly average Joe. Right, Okay,
Speaker 5: Now let's talk supplements. If I wanted to supplement that
Speaker 5: covers all the gaps, is there such thing?
Speaker 12: The most comprehensive now is the Plan G would be
Speaker 12: your most comprehensive Medicare supplement. It's going to cover everything,
Speaker 12: all your Part E so inpatient hospital expenses and your
Speaker 12: Part B twenty percent. The only thing the Plan G
Speaker 12: does not cover is that part be deductible.
Speaker 5: Well, okay, hold on, so but this part GE this
Speaker 5: sounds incredible because we already know if you're day sixty
Speaker 5: one in the hospital, your four hundred plus out of
Speaker 5: pocket every single day, right, So if you have this,
Speaker 5: you're not correct.
Speaker 1: And then if you. And then is.
Speaker 5: There a cap still I think you said one hundred
Speaker 5: and fifty days in the host.
Speaker 12: The Plan G is going to take care of all
Speaker 12: your part eg.
Speaker 1: Oh my god. And let's say let's go back to
Speaker 1: average Joe. How much is that part?
Speaker 12: It depends. It depends where you live. It depends on
Speaker 12: your rating area for most people Colorado right here, Well,
Speaker 12: I understand, but different areas. There are different rating areas
Speaker 12: within the state of Colorado. And so, but for most people,
Speaker 12: we find the Plan G. For a mal if you're
Speaker 12: turning sixty five, you're in that one thirty to one
Speaker 12: sixty a month range. For a female anywhere between one fifteen.
Speaker 8: Change.
Speaker 12: Well dependent, I mean for some people and for a
Speaker 12: lot of people.
Speaker 1: If you ever need that coverage, you had shape sir,
Speaker 1: my god, one day in the hospital, day sixty one
Speaker 1: pays for three months.
Speaker 17: It is.
Speaker 12: It is the most popular plan when it comes to
Speaker 12: a medica.
Speaker 5: And then how about how about does that cover any
Speaker 5: kind of medication whatsoever?
Speaker 12: No, So if you have a supplement that would be
Speaker 12: Medicare Part D, you do need to get a separate prescription.
Speaker 5: How does that work? Could how much is that? And
Speaker 5: basically does that cover everything?
Speaker 12: No? No, it certainly depends. And so that's what we
Speaker 12: do when we are, you know, fact finding and we're
Speaker 12: doing the needs analysis with our clients. We're getting that
Speaker 12: information out of your prescriptions and we can put that
Speaker 12: through Medicare dot go and see which plan is going
Speaker 12: to be best for you, because those are those Medicare
Speaker 12: part deprescription drug plans are offered by private health insurance
Speaker 12: companies and depending on what your prescription drug needs are,
Speaker 12: it could be different. What is best for you?
Speaker 5: Now, listen, I got to take this break and then
Speaker 5: when we come back, I'm going to jump right over
Speaker 5: to the phones. But the other thing, I heard a
Speaker 5: nightmare story from Suzanne's mother. They're on advantage, and I
Speaker 5: want to run this by you. I just heard it
Speaker 5: about a week ago when we were out visiting them.
Speaker 5: But it's crazy. I'm starting to think, and there's a
Speaker 5: lot of people out there listening. I don't know if
Speaker 5: you agree with me or not, because I haven't had either.
Speaker 5: But I heard advantage can be an absolute nightmare depending
Speaker 5: on where you live, what coverage. But we'll dig into
Speaker 5: that in a second. I think there's some benefits to it,
Speaker 5: especially if you're very low income but.
Speaker 3: Holdline, go with a sure thing Denver's Best roofer Excel
Speaker 3: Roofing dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance checkup free, no obligation. In comparison,
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three O three seven
Speaker 3: to seven to one help. You'll think you're his only
Speaker 3: customer when you choose Frank durand the real estate Man
Speaker 3: dot com to list your home with Remax Alliance three
Speaker 3: oh three nine two zero sixteen twenty two.
Speaker 5: Hey, don't forget about Compass Insurance in factor behind the
Speaker 5: scenes right now, trying to help that lady out take
Speaker 5: act canceled because of her neighbor basically destroying your ceiling
Speaker 5: and some other stuff.
Speaker 1: But you send over your deck page.
Speaker 5: They're going to shop thirty companies, but more importantly, they're
Speaker 5: going to make sure you're not under insured. You realize
Speaker 5: all the people in Boulder for the Boulder fires, ninety
Speaker 5: five percent of them were under insured. A lot of
Speaker 5: them lost their house and didn't have enough money to rebuild.
Speaker 5: I mean, it was really a sad deal. We've appreciated
Speaker 5: in value in homes in Colorado so much. You better
Speaker 5: make sure but call Compass up, go to Compass Insurance
Speaker 5: dot com and please check them out. It's really important stuff.
Speaker 5: I'm looking at these fires in California. My goodness, man,
Speaker 5: I remember the boulderfires. Suzannah and I were flying out
Speaker 5: to go. I think we were going to Las.
Speaker 1: Vegas or something New years yeah, like two years ago
Speaker 1: or whatever.
Speaker 5: Oh my god. The plane it was literally the day
Speaker 5: of the fires. The plane was jumping up and down.
Speaker 5: I couldn't figure out how the wings were staying on.
Speaker 5: It was kind of funny, you know. It was a
Speaker 5: frontier flight, so it's like a city bus basically, and
Speaker 5: everybody's talking and just having kind of a good time.
Speaker 5: We're going to Vegas and man, and that thing started bouncing.
Speaker 5: You could have heard a pin drop in that bad boy.
Speaker 1: Uh man, I'm glad those planes have engineers behind them.
Speaker 5: Okay, we're gonna go back. I still want to understand
Speaker 5: the advantage. We're gonna go back to that. But John's
Speaker 5: got a problem with a pull behind motor. We do
Speaker 5: have lines open three oh three seven, one, three eight,
Speaker 5: two five five or the easiest number is three oh
Speaker 5: three Martino. Tell your neighbors, tell your friends, tell whomever
Speaker 5: you need, but we can help you out. Three oh
Speaker 5: three Martino twenty four seven three zero three Martino were helping.
Speaker 1: Troubleshooter dot com. Hey John, what's going on?
Speaker 23: So I bought a pull behind mower, which is quite large.
Speaker 23: It's about the size of a small car. I would say, sure.
Speaker 23: And what happened was is, you know, they delivered it.
Speaker 23: This came from dr Power Company, who is owned by
Speaker 23: jen Rack, and they they just dumped it off at
Speaker 23: the end of my driveway because they said they couldn't
Speaker 23: bring it down. So when they did, they kind of
Speaker 23: damaged the container that it came in. Well, the first
Speaker 23: time I used the mower, it broke, so I, you know,
Speaker 23: called their service department. They sent out another part. Well
Speaker 23: and behold, it broke again. So anyway, I told them
Speaker 23: we're done with this. I'm not you know this is
Speaker 23: this cost me forty five hundred dollars with the warranty
Speaker 23: and whatnot.
Speaker 1: How BIG's the deck on it?
Speaker 11: Fifty two inches?
Speaker 1: Okay, I'm looking on their website. Is why I see
Speaker 1: their forty two inch When I don't see the fifty two.
Speaker 1: And I'm curious, just from what you're saying, though, is
Speaker 1: there any kind of money back guarantee on these? I
Speaker 1: don't see anything like that. I realize you've had a
Speaker 1: couple problems that.
Speaker 11: This is what I'm getting to.
Speaker 23: So I called the Better Business Bureau and they, you know,
Speaker 23: gave me their spiel, and I called Visa.
Speaker 17: So I got my money back.
Speaker 23: Oh so in the meantime, you know, they said that
Speaker 23: they were going to come pick this up. So you know,
Speaker 23: I made arrangement. I got it back on their pallette,
Speaker 23: which was a nightmare. And I thought to myself, well this,
Speaker 23: you know, I'll put it on a utility trailer to
Speaker 23: make it easy for the guy to pick it up. Well,
Speaker 23: they sent a shipper out. Well, the first day I
Speaker 23: waited all day. The shipper never showed up, so that
Speaker 23: pissed me off. So the second day, the shipper showed
Speaker 23: up and he last at me. He goes, well, how
Speaker 23: do you expect me to get that on my truck?
Speaker 1: Well, John, let me ask you this.
Speaker 5: When they dropped it off the first time, it was
Speaker 5: on a pallette just at the top of your driveway, right, correct.
Speaker 23: But I didn't see him drop it off because I
Speaker 23: was at work.
Speaker 5: That's fine. So now you have it. I'm trying to
Speaker 5: picture this. You have it on a trailer, that's like,
Speaker 5: what like a car trailer? You have the palette on yeah, like.
Speaker 23: It's a utility trailer.
Speaker 11: Yeah.
Speaker 5: Yeah, And then how would this guy normally do it?
Speaker 5: What kind of pallet jack.
Speaker 1: Did he have?
Speaker 11: He didn't have anything?
Speaker 5: Well, okay, let's say it was on the ground. How
Speaker 5: was he going to get it into the truck?
Speaker 23: That's what I want to know. He just laughed at
Speaker 23: me and went about his business.
Speaker 5: Yeah, but there's got to be a little more to this, John,
Speaker 5: I mean, really, if would he have laughed at you?
Speaker 5: Would he have laughed if you if it was on
Speaker 5: the ground, you know.
Speaker 13: I don't know.
Speaker 23: I don't But I gave him specific instruction to bring
Speaker 23: a forklift so they could put it in their vehicle.
Speaker 10: I told them that.
Speaker 5: Yeah, I get it, But I mean still, there's two
Speaker 5: things here. First of all, I want to know this.
Speaker 5: If it was on the ground, do you think I know,
Speaker 5: neither of us will ever know. Do you think he
Speaker 5: would have got it into the trailer?
Speaker 23: No, if he didn't have the means to get it
Speaker 23: off my ba.
Speaker 5: Okay, fair enough if you if he can't, if he
Speaker 5: couldn't get it off the ground, then I assume he
Speaker 5: couldn't get it off the trailer. He's not going to
Speaker 5: get it into the truck. So I assume the next
Speaker 5: thing you do is you call up who.
Speaker 23: So I called dr back, yeah, and I said, listen,
Speaker 23: you guys are wasting my time with this thing. And
Speaker 23: they said, well, we'll find you a shipper. Well, you
Speaker 23: know they they're really good at dragging their feet.
Speaker 5: Now, wait a second. When you said they'll find you
Speaker 5: a shipper. Who found that shipper we just talked about?
Speaker 4: They did?
Speaker 12: Right?
Speaker 23: They did?
Speaker 1: Okay, keep going, I'm sorry, keep going.
Speaker 23: Yeah, that's all they're doing, uh with the shipper.
Speaker 5: Okay, So they said they're going to find a shipper.
Speaker 5: So now where are we at?
Speaker 23: So they called, and you know, they couldn't give me
Speaker 23: a time or anything else.
Speaker 11: And I told him, I.
Speaker 23: Said, listen, it's ready for pickup. I don't know what
Speaker 23: you want.
Speaker 17: I'm going to do. Well.
Speaker 23: A couple of months went by in this thing sitting
Speaker 23: on the back of my utility trail.
Speaker 1: We're wait a second, my God, I think I know
Speaker 1: where this is going, but keep going. So is it
Speaker 1: still at the top of your driveway?
Speaker 11: No?
Speaker 23: Okay, So I yanked it off my trailer, and you
Speaker 23: know the container was that I had it and you know,
Speaker 23: pretty much destroyed because it was really cheap anyway, So
Speaker 23: they have a lot of stipulations on how they want
Speaker 23: this thing returned.
Speaker 24: I did.
Speaker 15: I had it.
Speaker 23: Ready to go, but now you know it's not.
Speaker 15: Well.
Speaker 23: Back in October, they hired an attorney and said, well,
Speaker 23: they want their money back, and I'm like, I'm not
Speaker 23: giving you money back for a broken mower.
Speaker 13: You know, we've we've.
Speaker 23: Gone down this road. Well they said, well, you know,
Speaker 23: we'll get back to you and let you know. Well
Speaker 23: last week they finally got back to me and they said, well,
Speaker 23: you know, we want the mower back or you can
Speaker 23: pay the summ And I said, well, listen, I'm not
Speaker 23: putting it back on the palette. It took me almost
Speaker 23: three hours to put it on the palette. I mean,
Speaker 23: I'm a one man bend and nothing enormous, you know,
Speaker 23: And I think the palette broke apart because the way
Speaker 23: they put it at the end of my driveway. He
Speaker 23: couldn't He claimed that he couldn't come down my driveway
Speaker 23: because there's you know, it's just a gravel road.
Speaker 5: All right, hold on, let me let me take this break.
Speaker 5: I'll come back to you first, I promise. Three oh
Speaker 5: three seven one three a two five five. I'm interested
Speaker 5: if they actually summoned them to court, if they're threatening it,
Speaker 5: did they turn it over to collections? I mean, I'm
Speaker 5: dying to hear the rest of the story. Three oh
Speaker 5: three seven one to three, Martino.
Speaker 3: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content,
Speaker 3: wait time for an insurance check up free, no obligation.
Speaker 3: In comparison, call Compass Insurance. Paying too much your coverage
Speaker 3: at dozens of insurance companies find out now three all
Speaker 3: three seven seven to one help. You'll think you're his
Speaker 3: only customer when you choose Frank durand the real estate
Speaker 3: Man dot com to list your home with Remax Alliance
Speaker 3: three all three nine two zero sixteen twenty two.
Speaker 5: All right, three oh three seven one three a two
Speaker 5: five five Three oh three Martino, you've been ripped off
Speaker 5: and taking advantage of we got some lines open three
Speaker 5: zero three seven one three A two five five. So
Speaker 5: just to recap real quick, John called up. He bought
Speaker 5: a d R. Horton mower deck. I've seen these guys
Speaker 5: advertise on TV quite a bit, but anyhow, Uh, it's
Speaker 5: a pretty big mower deck, fifty two inch. You drag
Speaker 5: it behind your tractor and basically a cussalon for you.
Speaker 5: So it got there, it broke twice. He figured out
Speaker 5: how to get a refund from him. They actually issue
Speaker 5: to MA refund, so he has the money at this point,
Speaker 5: and they sent out a truck to pick it up.
Speaker 5: When they sent the truck out, the guy didn't have
Speaker 5: a pallet jack and there was no way to get
Speaker 5: it into his truck, according to the caller. So he
Speaker 5: called back to company d R. Hort and they said, okay,
Speaker 5: we're going to arrange another truck. But then at that
Speaker 5: point months went by, right.
Speaker 23: John, Yeah, so we are in January.
Speaker 1: Yeah, so months go by and it's still there.
Speaker 5: So finally, I assume you pulled it back down the driveway,
Speaker 5: you unloaded it, because you probably had to use that
Speaker 5: utility trailer for something else, right, Yeah.
Speaker 23: That's why I had to unload it, and I actually
Speaker 23: put it in my garage to keep it out of
Speaker 23: the elements. I mean, you know, I'm not gonna be
Speaker 23: a jerk, and uh yeah.
Speaker 8: I got you ruined.
Speaker 1: So but now they hired an attorney.
Speaker 23: And they're threatening me that they want their money back
Speaker 23: or put it back on the palette and get it all,
Speaker 23: you know, dressed up again for pickup.
Speaker 1: And I told them, well, okay, so they are offering
Speaker 1: that though. They're saying if you get it back on
Speaker 1: the palette and get it into whatever container, whatever they're
Speaker 1: saying needs to be done, that it'll be said and done.
Speaker 15: Yeah.
Speaker 23: But the thing is I don't have that container anymore
Speaker 23: because it fell apart taking it off.
Speaker 5: Well, can they ship you one? Can you call them
Speaker 5: up and say that container is no good? In fact,
Speaker 5: when you guys dropped it off originally you damaged it.
Speaker 5: And now that we've moved it so many times, can
Speaker 5: you send me another container?
Speaker 23: Well? I should do that because but the way that
Speaker 23: this attorney's wording things, you know, if you're not able
Speaker 23: to follow through on the instruction, smart client, they will
Speaker 23: not send another carrier to pick it up. And you
Speaker 23: owe this much money.
Speaker 5: John I would simply reach out to them for a
Speaker 5: container for it, or tell the attorney, hey, listen, I'm
Speaker 5: willing to do this, but I need a container for it.
Speaker 5: That container is in shambles, it's unusable. I mean, here's
Speaker 5: your other option, John, I mean, honestly, your other option is.
Speaker 10: They send a container when the truck comes.
Speaker 5: Yeah, or maybe I don't know how that would work,
Speaker 5: but possibly it's not like they're their trucks. If they
Speaker 5: got to ship the container to the ship, or they
Speaker 5: might as well ship it to John.
Speaker 1: But maybe, Doc, maybe that's not a bad idea. But
Speaker 1: I would try to go that route.
Speaker 5: Because what's going to happen is they are going to
Speaker 5: come after you, and I think at this point they
Speaker 5: would have a chance in court of winning. I mean,
Speaker 5: it's I think it's worth them shipping you the container
Speaker 5: in doing it and having that real conversation because the
Speaker 5: other part is if they come after you, it's going
Speaker 5: to come down to what a judge thinks of it.
Speaker 5: The judge is going to look at the money transactions.
Speaker 5: It's gonna say, hey, this guy John's got all the money,
Speaker 5: but he still has his lawnmower, and that's just not right,
Speaker 5: and you're gonna say, well, I had it all loaded
Speaker 5: up and a truck came, but the guy didn't even
Speaker 5: have a pallet jack and it's been a nightmare, and
Speaker 5: now they want me to reload it and blah blah blah.
Speaker 1: But that could go either way in courts my point.
Speaker 8: John, Yeah, I'm reading their return policy.
Speaker 23: The thing is is, I'm willing to give it back
Speaker 23: to them. There's never been a doubt.
Speaker 5: Yeah, but they're not going to send someone out to
Speaker 5: load it up from your garage into a container onto
Speaker 5: the pallette and then bring it to the top of
Speaker 5: your driveway. I truly believe you're asking too much out
Speaker 5: of them. I think it would be great if they
Speaker 5: were doing it. Mitri read me what D. R. Horton
Speaker 5: says about returns.
Speaker 8: Yeah, it's pretty clear. It's right there on their websites.
Speaker 9: So they do acknowledge the fact that the shipper may
Speaker 9: no longer have the original packaging, so they say that
Speaker 9: it needs to be repacked in equivalent packaging, and it
Speaker 9: also needs to be on a pallette and it cannot
Speaker 9: exceed the footprint of the palette. So if John gets
Speaker 9: an equivalent package and I'm not saying that's going to
Speaker 9: be convenient, but maybe build one out of a plywood yeah,
Speaker 9: or a couple of refrigerator boxes, or.
Speaker 1: Ask them to ship one.
Speaker 8: Well, I doubt that they're going to do that.
Speaker 9: That's gonna be super expensive to send an LTL truck
Speaker 9: over there with an empty box. And John needs to
Speaker 9: go to one of the industrial locations down there in
Speaker 9: Boulder and pick up a palette of appropriate size. You
Speaker 9: can get that for free. So John, I'm not saying
Speaker 9: it's I mean, I do recognize that it's gonna be
Speaker 9: a huge inconvenience.
Speaker 1: And when you agree to it when you bought that.
Speaker 1: When you bought that, you agreed to that. When you
Speaker 1: got that refund, you agreed to get it back to
Speaker 1: him in the condition of what they want it back. Listen, Man,
Speaker 1: I can tell you just think you got screwed on
Speaker 1: this whole deal, but I'm telling you I don't think
Speaker 1: you did.
Speaker 10: Man.
Speaker 1: I mean, you can.
Speaker 5: Dig those heels in deeper, and you know, roll the
Speaker 5: dice when you go to court. But honestly, my gut
Speaker 5: feeling is you just get it packed up and done
Speaker 5: before you're looking at attorney's fees and you're looking at
Speaker 5: paying these people for it because you can't get it back.
Speaker 5: I just think you're asking for more trouble John.
Speaker 9: Oh, it possibly triple damage is because this sounds like
Speaker 9: conversion if they really wanted to.
Speaker 5: I don't know if they get that, but maybe. I
Speaker 5: mean the whole point is it's a wall of the dice.
Speaker 8: Yeah, they could ask for it. That would be up
Speaker 8: to him to prove it.
Speaker 13: They could come.
Speaker 15: They could just come get them, John, They're not gonna
Speaker 15: do that.
Speaker 5: Listen, man, I can tell because I'm a fellow hardhead.
Speaker 5: You're hard headed, and I'm trying to really tell you. Seriously, Man,
Speaker 5: I'm not kidding, and I've dug in before and it's
Speaker 5: cost me. I'm telling you, looking at this from the
Speaker 5: outside on both sides, it's remarkable. You even got a
Speaker 5: refund on it. You did great doing that. I think
Speaker 5: you really need to get it packaged up. Maybe find
Speaker 5: a handyman or someone that can come package it up
Speaker 5: and get it ready for you for a couple hundred
Speaker 5: bucks or something. I mean, think of something outside the
Speaker 5: box to get it done, or do it yourself.
Speaker 1: I mean that's that.
Speaker 5: I've already give you the risk assessment on it, and
Speaker 5: it could be a lot worse than just having to
Speaker 5: pay for that mower deck.
Speaker 1: Okay, all right, John, I do a pre she ate
Speaker 1: to call. What did you think about that, Deputy Doc?
Speaker 1: What do you think? Honestly?
Speaker 10: I think you're right. I think according to what Dmitri said,
Speaker 10: he's got it. He's obligated to do it.
Speaker 5: Yeah, I mean if someone wants it back, you know,
Speaker 5: not everybody's Amazon. What I mean by that? I find
Speaker 5: it remarkable. I see Suzanne return stuff to what is it,
Speaker 5: Whole Foods?
Speaker 6: Yeah, for Amazon stuff.
Speaker 1: They'll box it up right there. Yeah, it could be
Speaker 1: a toaster.
Speaker 5: You bring the toaster to Whole Foods, they box it
Speaker 5: up and send it back to Amazon.
Speaker 1: It costs you zero. I mean that's great. I love
Speaker 1: that Amazon.
Speaker 6: I don't think they take pull behind mowers.
Speaker 1: No, they're not going to take a pull behind mower.
Speaker 10: But just as it aside, it's not Dr Horton. Dal
Speaker 10: Horton is a home builder.
Speaker 1: Oh who is a Dr? Dr More's no, it's Dr
Speaker 1: pardon me, no, it's Dr hold on man, now, it's
Speaker 1: gonna drive me nuts.
Speaker 5: DR Power equipment, right, it's Dr Power. Yeah, I see
Speaker 5: him advertised all the time. They're the ones that have
Speaker 5: the big uh the brushwhacker. Man, it's like a weed whacker.
Speaker 5: They can take down a small tree.
Speaker 10: I think I'm four inches in diameter.
Speaker 1: Man, stuff, it is good stuff.
Speaker 5: These fires are raging in California, folks. It's really a
Speaker 5: it's a bad deal. I was just reading they actually
Speaker 5: ran out of water in the hydrants.
Speaker 1: That is absolutely unbelievable.
Speaker 6: The sad mark.
Speaker 1: Oh my god. Thousands of people have already lost their homes.
Speaker 1: I think they said a thousand buildings.
Speaker 6: A couple of people have died. If you haven't seen
Speaker 6: that yet.
Speaker 1: I did not see that.
Speaker 10: Leave California and come here.
Speaker 9: Oh man, there's a There is a stunning video of
Speaker 9: the fire department using a D nine bulldozer yesterday, cars moving,
Speaker 9: shoving abandoned cars off the road.
Speaker 5: People pulling suitcases down the road because they're stuck.
Speaker 9: Yeah, and unfortunately they took their keys with them, so
Speaker 9: nobody's able to so the fireman can't move the cars.
Speaker 8: So they're using a bulldozer to push them out of
Speaker 8: the way.
Speaker 1: So ye, literally, fire trucks can get up. I don't
Speaker 1: even know what a fire truck.
Speaker 5: I realize you can put water in a fire truck,
Speaker 5: but when the hydrants are empty.
Speaker 1: I mean, man, it's crazy.
Speaker 9: It's just a few hundred gallons in the fire truck
Speaker 9: and that's designed to provide an initial fire suppression service
Speaker 9: while they're hooking it up to a hydrant.
Speaker 1: And they can't fly airplanes one hundred mile an hour winds.
Speaker 8: Oh, it's done, It's a done deal.
Speaker 7: O are aware that the wonderful, very intelligent state of
Speaker 7: California and the mayor cut the budget on fire.
Speaker 1: Wow, that's crazy.
Speaker 9: Million dollar cut last year it was how many seventeen
Speaker 9: million dollars cut from the LA Fire Department. That was
Speaker 9: the second biggest budget cut last year in Los Angeles.
Speaker 1: I can't believe it.
Speaker 10: These had to pay for the migrants somehow.
Speaker 1: Well, that's true.
Speaker 5: And you know what, I've got a couple people on YouTube,
Speaker 5: not a lot, but like, oh what is what do
Speaker 5: liberals have to do with that?
Speaker 1: And I'm going to give a story when we come back.
Speaker 5: I'm going to tell a story about UCLA Reagan Hospital.
Speaker 5: UCLA one of the best, the best hospitals in the world.
Speaker 1: John, you're in the business, would you agree with that?
Speaker 12: It's known to be a very good hospital.
Speaker 5: Most prestigious hospital around UCLA. And this is a first
Speaker 5: hand account of someone's experience there for four or five days.
Speaker 5: And it's gonna blow you away when you hear it,
Speaker 5: it's gonna blow you away.
Speaker 3: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 3: dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 3: Time for an insurance checkup free, no obligation comparison call
Speaker 3: Compass Insurance paying too much your coverage at dozens of
Speaker 3: insurance companies find out now three oh three seven seven
Speaker 3: to one.
Speaker 12: Help.
Speaker 3: You'll think you're his only customer when you choose Frank
Speaker 3: durand the real estate Man dot com to list your
Speaker 3: home with Relliance three three nine two zero sixteen twenty two.
Speaker 5: All right, three three seven one three eight two five five.
Speaker 5: We've got open lines. First time in the show. You
Speaker 5: got a problem question? Anything we want to hear from you?
Speaker 5: Three zero three Martino. I love sinking my teeth into
Speaker 5: people that do bad things. I don't care if their contractors. Honestly,
Speaker 5: if you listen to the show, I don't care. There's
Speaker 5: a lot of landlords getting a little nutty. These days
Speaker 5: to be quite honest. Now I want to talk about
Speaker 5: this hospital real quick. Doc, I want you to chime
Speaker 5: in on this, and I'm talking about a first hand
Speaker 5: somebody that lived through this last week. Was it last week,
Speaker 5: about a month ago, within the last month, Ronald Reagan
Speaker 5: UCLA Medical Center, Los Angeles Hospital. It's renowned. I mean
Speaker 5: people go from all over the country to go there.
Speaker 5: I mean it's really like.
Speaker 8: A big deal.
Speaker 5: So these people flew there. In fact, they had They're
Speaker 5: on Medicare, and they had the best plan you can get.
Speaker 5: I mean they probably had g right. So they go
Speaker 5: out there. They want to see an expert for what
Speaker 5: they're seeking help for. They get out there, and I'm
Speaker 5: going to bring John Junior into this because I've talked
Speaker 5: to him about this case. He knows about it. He
Speaker 5: knows the people as well. So they show up and
Speaker 5: they can't even get a room. Is that correct, John?
Speaker 5: I mean literally can't get a room.
Speaker 12: Correct. Everyone was full and overflowing. I mean they were
Speaker 12: overflowing for.
Speaker 10: You have an employment with the specific yes.
Speaker 5: Yes, yes, So they're twenty five percent or thirty percent
Speaker 5: over capacity when they show up. And I want people
Speaker 5: to understand this has nothing to do with the fires.
Speaker 5: This has to do with homelessness and immigration more than
Speaker 5: anything period. The hospital is one hundred and thirty percent capacity.
Speaker 5: So they're there, they fly out there, they have an
Speaker 5: appointment everything doc.
Speaker 1: They end up in a.
Speaker 5: Hallway John originally, so they're in a hallway in the
Speaker 5: hospital with was there even partitions set up?
Speaker 12: I'm not certain of that.
Speaker 5: So I mean basically they're in a hallway, the patient
Speaker 5: or the woman is actually I assume in a gurny
Speaker 5: or a bed or a portable bed or something, and
Speaker 5: then the husband is given basically a lawn chair or
Speaker 5: an office chair to sit in. So as it goes on,
Speaker 5: that lasted how many.
Speaker 1: Days, four or five days, four or five days there,
Speaker 1: four or five days there.
Speaker 6: She did get a partition for a smedge of privacy.
Speaker 5: So right towards the last day they were there, I
Speaker 5: believe he said, they put him in an er room
Speaker 5: that had four other people in there with some curtains
Speaker 5: you can pull around.
Speaker 1: So they ended up in this.
Speaker 5: Remember this is one of the most renowned hospitals, but
Speaker 5: don't forget it's in Los Angeles and we know what's
Speaker 5: happened there and once again nothing to do with these
Speaker 5: fires going on. So it's their last night there. They
Speaker 5: haven't been able to take a shower, either of them
Speaker 5: the whole time, because you simply have no shower. There
Speaker 5: is no place to take a shower, correct, John, I believe.
Speaker 12: That was the case, y'all. Yeah, you're not doing that
Speaker 12: period of time, not doing that period of time.
Speaker 8: No, he could.
Speaker 5: They couldn't take a shower. On the very last day
Speaker 5: when they're in the er. They have a community shower.
Speaker 5: So after four days with an appointment being their note room,
Speaker 5: living in the hallway at this quote prestigious hospital, basically
Speaker 5: they're finally able to use the shower, a community shower
Speaker 5: with like, you know, ten other people or however that looks.
Speaker 1: I don't know. It's not definitely by far a private shower.
Speaker 10: See the doctor that had an employment with.
Speaker 5: Oh, certainly, certainly, okay, the doctor. I don't think they
Speaker 5: have any complaints about the doctor. Now here's the part
Speaker 5: that blows me away.
Speaker 1: Listen to this.
Speaker 5: So the husband gets up to the last morning, the
Speaker 5: last morning, gets up to use the restroom in you know,
Speaker 5: in the early morning whatever, or he walks into the restroom.
Speaker 5: There's a homeless guy or who he assumes is homeless.
Speaker 5: Buck naked, absolutely, buck naked, standing there when you first
Speaker 5: walk in the restroom, not not in a stall, Buck naked,
Speaker 5: taking a on the floor.
Speaker 6: Dumping all over the floor.
Speaker 1: It's beyond all over the floor.
Speaker 6: Market's beyond the beyond.
Speaker 5: It's I could not believe this story and this couple.
Speaker 5: I believe one hundred and fifty percent one of our
Speaker 5: most prestigious hospitals in the country due to immigration, illegal immigration,
Speaker 5: and due to liberal views in California. With the homelessness,
Speaker 5: I mean, this has come to a new a new
Speaker 5: realm to me.
Speaker 10: Well, why do you think Trump won?
Speaker 1: Well, of course that's why he won.
Speaker 5: But still, as a doctor, have you ever seen in
Speaker 5: a hospital something like that going on for four days?
Speaker 1: No, it's unheard of. You're the loss for words.
Speaker 16: Yeah, I mean, there's nothing to say except it's our
Speaker 16: insane immigration policy.
Speaker 1: Well, in the homelessness, and both of them compounded, and.
Speaker 20: They said the other hospitals had the same.
Speaker 1: Problem and they are to be moved to another one.
Speaker 5: And they said, well, that's gonna You're nothing's gonna happen.
Speaker 5: You're still gonna be stuck three oh three seven one
Speaker 5: three A two five five.
Speaker 1: I'd loved to hear from you. We'll be back right
Speaker 1: after this.
Speaker 3: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 3: dot com.
Speaker 1: You don't pay a cent until you're contenth.
Speaker 3: Time for an insurance check up free, no obligation comparison
Speaker 3: call Compass Insurance. Pay too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three seven
Speaker 3: seven to one help. You'll think you're his only customer
Speaker 3: when you choose Frank durand the real estate Man dot
Speaker 3: com to list your home with Remax Alliance three oh
Speaker 3: three nine two zero sixteen twenty two.
Speaker 1: Ripped off News so you don't have to lose.
Speaker 12: Run in just the same, keep your day job Mark
Speaker 12: show Shooter's gonna help.
Speaker 4: Come man, This is the Troubleshooter Show. No Tom Martinez.
Speaker 1: Welcome my friends to the only show of its kind.
Speaker 5: We're here to solve problems, answer questions, take complaints. Maybe,
Speaker 5: my friends, you've been ripped off by a contractor, or
Speaker 5: maybe anybody, a landlord, a dentist, a moving company, pretty
Speaker 5: much you name it. We've heard the problem. We've handled
Speaker 5: the problem. We've recovered over three hundred I'd say more
Speaker 5: like four hundred million dollars in cash, merchandise exchanges refunds
Speaker 5: over a forty five almost forty five year period. In fact,
Speaker 5: Martino is the only host. No, yeah, he's the only
Speaker 5: host forty five years on the air in the country.
Speaker 5: I don't know about other countries, but that's a long time,
Speaker 5: same show, same host, forty five years.
Speaker 1: There's nobody else.
Speaker 5: I think the closest would be Howard Stern, but it's
Speaker 5: not the same amount of time.
Speaker 1: It's pretty crazy. So that's it. You need help.
Speaker 5: We got one line open three O three seven one
Speaker 5: three eight two five five. Of course, anytime, you know,
Speaker 5: it's so funny when people say, Mark, you're getting political.
Speaker 1: I'll get these emails.
Speaker 5: Well, yeah, I guess, so, I guess everything's political now though.
Speaker 5: I mean, you talk about a homeless problem to the
Speaker 5: point where when people go to a hospital in Los Angeles,
Speaker 5: one of the best hospitals in the country, they make
Speaker 5: an arrangement to fly there and see a particular doctor
Speaker 5: who specializes in their ailment, and you get there and
Speaker 5: it's thirty percent over capacity. You live in a hallway
Speaker 5: in the hospital for three days. On top of that,
Speaker 5: there's a homeless guy defecating in the bathroom, buck naked,
Speaker 5: basically running through the halls and just it's insane to
Speaker 5: think that's where Los Angeles has gone. And I'm afraid
Speaker 5: Denver's right around the corner. I was asking John Jones Junior,
Speaker 5: who's in studio with me, here's our health insurance expert.
Speaker 5: These guys at Integer Insurance know their business better than
Speaker 5: anybody else I've met, Suzanne and I and Martino, all
Speaker 5: of us have dealt with these guys for so many years,
Speaker 5: and you need to check.
Speaker 1: The bottom line.
Speaker 5: Is if you have not checked your your policy from
Speaker 5: last year, it might have changed. You want to make
Speaker 5: sure it's renewed. And more importantly, what would you say
Speaker 5: the most important reason to call John is? I would
Speaker 5: say to make sure it's the best coverage. I mean
Speaker 5: you might even be able to save money depending on
Speaker 5: because didn't you say the tax credits have changed?
Speaker 12: Well, so it's the tax am I okay, tax credit.
Speaker 8: Yeah.
Speaker 12: Tax credit eligibility is currently based on the affordability of
Speaker 12: the second lowest cost silver plan available to you. So
Speaker 12: you have Bronze planned Silver plans and Gold plans. Yeah,
Speaker 12: and so the second lowest cost Silver plan. If that
Speaker 12: that's less than approbably nine and a half percent of
Speaker 12: your income, then it's considered affordable. If it's more than that,
Speaker 12: then you're eligible for a tax credit. And that the
Speaker 12: premium of that second lowest cost Silver plan changes every year,
Speaker 12: so not my fixed And so so if rates are
Speaker 12: increasing and your income staying the same, then there is
Speaker 12: a potential you might be eligible for a time.
Speaker 5: I'll tell you another reason. I'll tell you another reason.
Speaker 5: I don't care if you have coverage now or not.
Speaker 5: I'll tell you why it's important to call right now.
Speaker 5: Let's say you had a Silver plan last year, and
Speaker 5: let's say something happened last year and you're getting ready
Speaker 5: to have a surgery done and you're planning it out.
Speaker 1: It's not like an emergency thing. Maybe it's a eye
Speaker 1: surgery and nose surgery, some form of surgery done that
Speaker 1: gets planned out.
Speaker 5: It's not an emergency, and there's lots of them. You
Speaker 5: might be better off getting a better plan right now.
Speaker 5: Just to talk about the out of pocket coming I mean, really,
Speaker 5: depending on your needs coming up in this year, wouldn't
Speaker 5: you say it's smart to shop big time.
Speaker 12: Well since sure needs change, right, and so that's part
Speaker 12: of the process of our conversation with our clients. My
Speaker 12: conversation with my clients is what are those needs, and
Speaker 12: let's start there, and then let's what are your wants? Right,
Speaker 12: We can we can expand from that what gives you
Speaker 12: peace of mind, But certainly with needs, absolutely, because plans
Speaker 12: do change a little bit every year as well, So
Speaker 12: it's always worth that that needs analysis, speaking with somebody
Speaker 12: who can help walk you through that and through the math.
Speaker 12: And I get health is not linear, right, you can,
Speaker 12: you can. We can do our best to say, hey,
Speaker 12: this this based on what we understand, this is the
Speaker 12: best plan for you, and then it doesn't work out
Speaker 12: that way. That does happen sometimes because health isn't a
Speaker 12: fixed linear thing.
Speaker 8: But but if.
Speaker 12: You're overall the way I look, if you're four or
Speaker 12: five years or four out of five years or eight
Speaker 12: out of ten years, you're right about the way you
Speaker 12: bought that health insurance plan, then most most likely you're
Speaker 12: gonna save money.
Speaker 5: Yeah, you got to just make the call and don't
Speaker 5: call these places on TV. You're gonna be talking to
Speaker 5: someone I don't even know where they're at. It could
Speaker 5: be someone in China for that matter. I have no
Speaker 5: idea who you're talking to when you call Dmitri.
Speaker 8: Hey, Mark, I have a question for John.
Speaker 9: Let's say hypothetically a guy doesn't have health insurance at
Speaker 9: all right now, not through an employer, not personally, nothing,
Speaker 9: and the guy misses this open enrollment period that ends
Speaker 9: next week, if I understand correctly, and then if he
Speaker 9: decides to get health insurance next month.
Speaker 8: What does he do.
Speaker 12: He would have to have a qualifying life event.
Speaker 8: So without a qualifying without a.
Speaker 12: Qualifying life event, then you just have to wait until
Speaker 12: that next time or have a qualifying life event at
Speaker 12: some point.
Speaker 5: So the scary part about that, though, Dmitri is imagine
Speaker 5: something happens to it.
Speaker 10: That's why I was a buy private insurance. It's just
Speaker 10: all about Medicare. But you can always buy private insurance.
Speaker 12: Well, that's what I was asking, not an affordable care
Speaker 12: qualified plan. There are other options that exist out there.
Speaker 12: There are very few and far between in our state,
Speaker 12: and they're not comprehensive coverage and existing conditions.
Speaker 9: So it's pretty low quality insurance. So somebody could buy it.
Speaker 9: But if the tree, if the trigger for shopping is
Speaker 9: a medical event, then you're not going to get screwed.
Speaker 8: So what do you do?
Speaker 12: You would you would have to wait until that next
Speaker 12: open enrollment period.
Speaker 8: Or qualifying life.
Speaker 5: Now, well, you go to the hospital for emergency treatment,
Speaker 5: they're forced to treat you. And I don't mean that
Speaker 5: in a bad way, but they got to treat you.
Speaker 8: There, and then you're going to be stuck with a beer.
Speaker 5: And be stuck with a fifty thousand dollars bill if
Speaker 5: not two hundred thouars.
Speaker 10: There are It's called personal responsibility.
Speaker 8: I'm not arguing that it's not and I'm not saying
Speaker 8: that's really wise.
Speaker 16: Too bad if you if you want to take a
Speaker 16: chance and not enroll, Oh it's crazy not to have coverage.
Speaker 16: It's your responsibility to get healthcare.
Speaker 5: Yeah, but his real question was can you sign up
Speaker 5: in the middle of the year and it doesn't matter
Speaker 5: if an event happens or not.
Speaker 12: No, there are a lot of qualifying life events, and
Speaker 12: our state even has one called tax time enrollment qualifying
Speaker 12: life event. If you don't have health insurance and you
Speaker 12: discover that you would be eligible for a tax credit
Speaker 12: and you check a box on your taxes saying I
Speaker 12: don't have Healton urance and I found out I don't
Speaker 12: have or that I get tax credits, then that could
Speaker 12: open up a window for you to be able to
Speaker 12: buy hosts.
Speaker 5: So people that maybe even misopen enrollment, it's still worth.
Speaker 12: To call to you, guys, we will explore all of that. Yes, yes, but.
Speaker 1: In general, you're crazy to wait after open enrollment.
Speaker 12: I certainly recommend taking care of it now.
Speaker 8: Tax return loophole. Do you have to wait until April fifteenth?
Speaker 8: Or could you just do your taxes.
Speaker 12: Or whatever you have to have to submit your taxes
Speaker 12: by the deadline and have that box checked.
Speaker 1: Wow, that's crazy. April sixteenth.
Speaker 9: Even if you can check the box, you're still stuck
Speaker 9: without insurance.
Speaker 8: Correct.
Speaker 5: All right, Pete's got an issue, and I can't believe
Speaker 5: it's Suzanne. You already know what's going to happen here.
Speaker 5: I'm already taking deep breaths. I'm going into my yoga
Speaker 5: breathing because I am, in my opinion, these people have
Speaker 5: lied to me personally indirectly multiple times now, So I
Speaker 5: think what I'm going to do now, and I'm going
Speaker 5: to let Pete talk. But I think I'm going to
Speaker 5: give out some of the contact information that we have
Speaker 5: for Pantasy Life. But Pete, what is your issue with Panacea?
Speaker 13: It's not really an issue. I just can't seem to
Speaker 13: get a phone number so that I can call them.
Speaker 13: We made an order for some product of the CBD
Speaker 13: product over a month ago, and if you pay for
Speaker 13: it shows that it's yeah, yeah, you.
Speaker 1: Paid for it. And the tracking so if you look,
Speaker 1: they gave you a tracking number.
Speaker 5: Is that correct, yes, sir, And the tracking number says
Speaker 5: it hasn't moved.
Speaker 13: Yeah, it's there.
Speaker 1: Let me tell you you're.
Speaker 5: You're one of so many now, and all I hear
Speaker 5: from the owner, Leslie is it's the post office problem.
Speaker 5: So now this all started over a month ago with
Speaker 5: numerous calls. You're not the only one, Pete. Honest to god,
Speaker 5: I wouldn't use these people anymore. And it really hurts
Speaker 5: me to say that, because I used to love these
Speaker 5: guys when Jamie did, when Jamie worked for him, and
Speaker 5: Jamie parted ways with him last year, and I'm telling
Speaker 5: you when to hell if he went.
Speaker 8: He was a lynch pin.
Speaker 5: He made sure he held the whole company together. He
Speaker 5: was the doctor he was everything.
Speaker 20: At this point, shouldn't they just be disputing their credit
Speaker 20: card just I don't find a different company, Tom.
Speaker 5: In my opinion, their thieves, and Suzanne just said the
Speaker 5: exact thing.
Speaker 1: Say it again.
Speaker 20: I think you should dispute your credit card charge and
Speaker 20: go with a different company.
Speaker 6: Maybe we can get some referrals for you. On the show.
Speaker 5: Thanking Panacea, I think she's lying to me. How many
Speaker 5: times can the post office screw up and not ship
Speaker 5: multiple orders? And here's what they do? Do you guys
Speaker 5: realize what I could do right now with the shipping label.
Speaker 5: I can go to FedEx. I can get a shipping label,
Speaker 5: and I can assign it and give it to Doc.
Speaker 5: He goes on there and yes, there it is. It's
Speaker 5: Doc in his address, but it says it hasn't been
Speaker 5: picked up yet. And just because I give you a
Speaker 5: tracking number doesn't mean I shipped the damn thing. A
Speaker 5: tracking number means anything. In fact, I think con artists
Speaker 5: use tracking numbers to fool people. And I'm not saying
Speaker 5: these guys are kind.
Speaker 1: Of artists, but Leslie, God, I hope you go back
Speaker 1: and listen to this.
Speaker 5: We talked good about you, guys, forever because you did good.
Speaker 5: Now I can't believe. I can't believe how many complaints
Speaker 5: we're getting.
Speaker 20: We're getting them almost weekly now mon they're more.
Speaker 1: Than weekly, some multiple weeks. I would not use Panacea.
Speaker 6: I would not see Life Sciences is what they're called.
Speaker 1: I wouldn't use their products.
Speaker 5: And it's unfortunate because the people that use their products
Speaker 5: for numerous years.
Speaker 1: We haven't endorsed them for years, I mean years.
Speaker 5: But back when we did it, I still up till
Speaker 5: six months ago or whenever Jamie was there, we would
Speaker 5: have people call up saying this is the best CBD
Speaker 5: product we ever had. But you know what, if they
Speaker 5: can take your money and not fulfill the order to
Speaker 5: me to me, in my opinion, that's what I call
Speaker 5: a thief at some point. And Leslie, I want to
Speaker 5: see your text again. You know the last one was
Speaker 5: I'm going to take a break. I'm a little late.
Speaker 5: I'm going to read Leslie's text, her last one to
Speaker 5: me about a different client.
Speaker 3: After this, go with a sure thing Denver's best roofer
Speaker 3: excel roofing dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 17: Of it.
Speaker 3: Time for an insurance checkup, free no obligation comparison call
Speaker 3: Compass Insurance paying too much your coverage at dozens of
Speaker 3: insurance companies find out now three oh three seven seven
Speaker 3: one help. You'll think you're his only customer when you
Speaker 3: choose Frank durand the real estate man dot com to
Speaker 3: list your home with Remax Alliance three oh three nine
Speaker 3: two zero sixteen twenty two.
Speaker 5: All right, three O three seven one three A two
Speaker 5: five five. Kelly, did you reach out to Leslie and
Speaker 5: what did she say?
Speaker 7: She reiterated the fact that all of the orders, to
Speaker 7: her knowledge, have been have been delivered.
Speaker 6: However, I told her that we had a caller.
Speaker 7: Today and if she would come on and answer some questions,
Speaker 7: and she said not right now, but I'm going to
Speaker 7: call her back at twelve forty five.
Speaker 5: Great, So we're going to talk to her on Era
Speaker 5: twelve forty five because we just had another one. We
Speaker 5: just had another one and I'm just like blown away
Speaker 5: by it, and up on, Neil, I have no idea
Speaker 5: what Dad is, Kelly? I think you just need to
Speaker 5: fill that in. Who's been holding the longest tier twelve two? Cynthia, Cynthia,
Speaker 5: you have a question for me? What does Mike go ahead?
Speaker 1: Cinthia, Hi Mark.
Speaker 25: First of all, let me tell you I've been a
Speaker 25: listener for at least forty five years, because my daughter
Speaker 25: is forty eight.
Speaker 1: He's been around time, has been here forty five years.
Speaker 25: Yeah, I have used all of Tom's recommendations. And I
Speaker 25: remember when you and him used to argue like kats
Speaker 25: and dogs. Oh yeah, and now you sound just like him,
Speaker 25: which is a compliment because I love it.
Speaker 1: I'm going, wait a minute, where's this going? But okay, listen,
Speaker 1: I'll take that.
Speaker 25: Yes, it's been bugging me, and I just don't want
Speaker 25: you to yell at me.
Speaker 1: Uh oh, I promise I won't yell.
Speaker 25: Okay. I want to know why you voted for Trump
Speaker 25: when character matters, I mean, that's an integrity. And I
Speaker 25: use all of your services. I have been using pixel
Speaker 25: twenty four to seven for years.
Speaker 1: I got it sense here you don't.
Speaker 5: You can just ask the question without trying to make yourself,
Speaker 5: you know self special.
Speaker 25: I want to know why how do you square that?
Speaker 1: I square pretty easily. Okay.
Speaker 5: First of all, I don't want to ask you a
Speaker 5: question as an answer to a question, but I'm going
Speaker 5: to start with that. When you have somebody like Biden
Speaker 5: that is taking money from Ukraine or his son his
Speaker 5: and lied about it, and now we're seeing pictures of
Speaker 5: him at the meetings we have never seen of course
Speaker 5: during it when we when you vote for somebody like
Speaker 5: Biden that, along with Hillary Clinton and the Obamas, tried
Speaker 5: to go after Trump for bogus Russia, Russia Russia where
Speaker 5: nothing ever happened. When you have states like New York
Speaker 5: that actually change laws in retrospreck just to go after
Speaker 5: one person, and I guarantee every one of those felonies
Speaker 5: will be thrown out.
Speaker 1: I don't see where any of the character.
Speaker 23: Is in that.
Speaker 5: And then I'll give you the biggest one, who my parents,
Speaker 5: who are probably way more liberal than you.
Speaker 1: Quite frankly, Cynthia.
Speaker 5: My parents can't stand the fact he looked them straight
Speaker 5: in the eye through the television and told everybody in
Speaker 5: this country he would never pardon that coke doing horror
Speaker 5: screwing son of his. So that is not character whatsoever.
Speaker 5: And Biden raised his son, and his son is now
Speaker 5: I believe married to his dead brother's wife.
Speaker 1: Is that correct. There's just another thing.
Speaker 5: So when we talk about character, I would say this
Speaker 5: to you, Trump has more character in his life little Pinky,
Speaker 5: in my opinion, than Biden has or Harris has, who
Speaker 5: couldn't answer any question when she's running for president in
Speaker 5: their entire body.
Speaker 1: That's how I would answer that.
Speaker 25: Well, can I just say, course, we have to guyfect
Speaker 25: character and get in where we sit in accordingly. I
Speaker 25: guess that's just the name of the game, right, Yeah, Yeah,
Speaker 25: So that's all. That's all I wanted to know.
Speaker 5: I just I think it's more of it. I'll tell
Speaker 5: you something else for people.
Speaker 8: I like it.
Speaker 1: Okay, I'm gonna be honest.
Speaker 5: A lot of people go, oh, I like his policies,
Speaker 5: but I don't like the man. I mean, I hear
Speaker 5: that more than anything about Trump, and a lot of
Speaker 5: people do. We can all agree on that.
Speaker 1: Let me finish.
Speaker 5: I'll let you say all kinds of stuff, Doc, but
Speaker 5: but here's what. Here's what I truly think and believe
Speaker 5: and listen, Me and Ross Kaminsky have arguments about this
Speaker 5: all the time, me and Martino, me and a lot
Speaker 5: of people.
Speaker 1: But here's the bottom line. I like it. I like
Speaker 1: how arrogant he is.
Speaker 5: I like he wants to rename the golf of Mexico
Speaker 5: the golf of America, and I like that he puts
Speaker 5: that out there in the news and pushes all these
Speaker 5: people's buttons. I like that he says, we're going to
Speaker 5: take this straight back. I like that he says I'm
Speaker 5: going to go in and take Greenland. I love this stuff.
Speaker 5: I think America first. I want my kids to be
Speaker 5: more successful. In your children and their children to be
Speaker 5: more successful than anybody else in the world.
Speaker 1: I don't want to.
Speaker 5: Have to go to a hospital that's thirty percent over
Speaker 5: capacity like we were talking about, because of illegal immigration
Speaker 5: and a homeless problem that the liberals do.
Speaker 1: So I like his ideas.
Speaker 5: I like his policy, and quite frankly, I love his
Speaker 5: approach to him.
Speaker 10: Doc immigration, inflation, unemployment, Cynthia.
Speaker 5: I really do appreciate you calling. I mean, you call
Speaker 5: up in you and you say stuff. But now that
Speaker 5: I'm done ranting is I know some people are going
Speaker 5: to say, I'm very curious, what are your thoughts on
Speaker 5: what I said? What is your retort?
Speaker 25: Well, I respect you guys so much, and that's why
Speaker 25: it was so hard for me to ask that question
Speaker 25: because I don't like to, you know, have people in
Speaker 25: politics because it's such a heated deal.
Speaker 1: Poor you got that right, I think?
Speaker 16: Do you really do you think that Harris had the intelligence,
Speaker 16: the integrity and the Hutzbah to really represent our country
Speaker 16: without laughing like a hyena at public media.
Speaker 1: Well, let's not even get into that kind of personal attack.
Speaker 25: I don't think that's necessary. The point is is that
Speaker 25: I just wanted for some people that I respect so much.
Speaker 25: Tom and Mark I love you as well. You guys
Speaker 25: are like brothers, and I was so glad when you
Speaker 25: guys came on together. And I've been a listener for
Speaker 25: so long. I could tell you how Tom firsty initially
Speaker 25: helped me back in the day.
Speaker 1: Awesome. You know what I want to know real quick?
Speaker 1: What did he do to hear that?
Speaker 25: Well, my daughter is but back in the day, her
Speaker 25: dad used to pay me child support through Social Services. Well,
Speaker 25: social services never gave me my money from him until
Speaker 25: the fifteenth of the month, which made me late on
Speaker 25: all my payments. Tom got involved and it changed that experience.
Speaker 1: That's so cool.
Speaker 25: Yeah, And when Rosan Novak was here, I don't know
Speaker 25: if you remember that car dealership, Tom helped me with that.
Speaker 25: A rental car hit my car and knocked it clear
Speaker 25: down the street and I had to tase it back
Speaker 25: to Rosanovac, which used to be in the area of
Speaker 25: National Jewish Hospital back in the day. And so he's
Speaker 25: been a life saver.
Speaker 1: I love it, and I meant to ask you, hold on, Cynthia,
Speaker 1: you know something. I want to take credit for something here.
Speaker 1: I think when it comes to politics, I think I've
Speaker 1: kind of brought Tom around a little bit.
Speaker 21: I think you have to.
Speaker 5: He would probably argue that as he's gotten older, or as.
Speaker 1: People get older, you get more liberal.
Speaker 5: I don't know how that works, because I haven't reached that.
Speaker 5: I would almost argue the opposite. But I think Tom
Speaker 5: has gotten more conservative.
Speaker 25: Yeah, it's the opposite. I've gotten more conservative. But I
Speaker 25: think you've you've mellowed Tom out.
Speaker 17: Trump.
Speaker 1: Hey, give me a go Trump. I'm sorry, Oh, grar
Speaker 1: me a go Trump.
Speaker 25: Oh for me to go Trump. I don't think so.
Speaker 1: I tried.
Speaker 5: I tried to bring her around. It didn't work. Three
Speaker 5: oh three, Hey, Cynthia, thank you. Three oh three seven,
Speaker 5: one three eight two five five.
Speaker 3: Go with a sure thing Denver's best roofer Excel roofing
Speaker 3: dot com.
Speaker 1: You don't pay a cent until you're content. Time for
Speaker 1: an insurance check up.
Speaker 3: Free obligation comparison call Compass Insurance, pay too much your
Speaker 3: coverage at dozens of insurance companies find out Now three
Speaker 3: oh three seven seven to one help. You'll think you're
Speaker 3: his only customer when you choose Frank durand the real
Speaker 3: estate Man dot com to list your home with Remax
Speaker 3: Alliance three oh three nine two zero sixteen twenty two.
Speaker 1: Three oh three seven one three eight two five five.
Speaker 1: You know what I mean. I I I'm gonna jump
Speaker 1: back to the phones, but I just need to make
Speaker 1: a comment. So if you go to YouTube dot com
Speaker 1: and you type in Troubleshooter Network, there's basically a show
Speaker 1: within a show.
Speaker 5: Something I've learned over the years is we end up
Speaker 5: doing more. I don't even like calling them politics. I
Speaker 5: call it real world. But whatever you can refer to
Speaker 5: them however you want. Then we used to do and
Speaker 5: really where that all turned was COVID. I mean, COVID
Speaker 5: is real where everything kind of did get political. When
Speaker 5: you're forced to get shots and people getting fired and
Speaker 5: businesses shut down. You can call it political. But I
Speaker 5: know a lot of the lefties out there they had
Speaker 5: to get their shot, they had to get all that,
Speaker 5: and I got a flu shot too, or I'm sorry,
Speaker 5: a COVID shot or whatever they call it. I remember
Speaker 5: the COVID shot was a vaccine, and then it found
Speaker 5: out that if you get it, you can still give
Speaker 5: it to people and you can still get it. So
Speaker 5: they redefined a vaccine, which is the most insane thing
Speaker 5: in the world. But so anyhow, I just got a
Speaker 5: comment on YouTube from first of all, the guy's name
Speaker 5: is Sob as.
Speaker 11: Par.
Speaker 1: Nobody in their right mind would ever buy.
Speaker 5: A Sob so And what was the comments wu'sand so
Speaker 5: she had to fire me up during the break.
Speaker 1: That's what this comes down to.
Speaker 20: Mark again, you are on the wrong side of politics
Speaker 20: and your facts are colored by your bro mance for Trump.
Speaker 20: Trump is very low energy person.
Speaker 1: Trump low energy? Can you imagine that Trump is low energy? Wow?
Speaker 5: We just lost power, lost power dragon, and I assume
Speaker 5: we're still on the air.
Speaker 12: Yeah, the board and everything is on a special power supply,
Speaker 12: so now we're back.
Speaker 1: Good cool.
Speaker 5: So anyway, So, yeah, I just don't know what to
Speaker 5: say to him. One is, his name is Sob sob guy.
Speaker 5: I'm sorry, there's about eight people around me? Is anybody
Speaker 5: here a SOB guy? Does anybody like soba?
Speaker 6: I've been seeing a sob in forever, not since the nineties.
Speaker 1: To me, tree, do you love him?
Speaker 21: Uh?
Speaker 8: No, I don't.
Speaker 9: But one of my neighbors still drives a white SOB
Speaker 9: and he's got biting hair stickers all over the back.
Speaker 6: Guy three oh three, right there, that's probably.
Speaker 1: Geez And then.
Speaker 10: I got rid of it in eighty six.
Speaker 1: My god, man, it's SOB guy.
Speaker 5: Go to a different forum, then, bro, I mean, what
Speaker 5: do you want me to tell you?
Speaker 20: So?
Speaker 1: I put up a pole. I put up a pole
Speaker 1: on Facebook, or I'm sorry on YouTube once again. Go
Speaker 1: to YouTube dot com and type in troubleshooter network. I
Speaker 1: put up a poll asking other people a question about sob.
Speaker 1: So if you want to see that, I suggest you
Speaker 1: go there, and I suggest you actually look at his
Speaker 1: comment and then uh join in the poll. That's what
Speaker 1: I ask Now, George, you've been holding a while? First
Speaker 1: of all, what is going on?
Speaker 8: George?
Speaker 5: I know this is a follow up, but what tell
Speaker 5: me the original?
Speaker 1: Call?
Speaker 17: Good afternoon?
Speaker 1: How are you I'm doing good? George?
Speaker 5: I mean my wife gets me fired up. I love
Speaker 5: having her on my side during the show. But boy,
Speaker 5: she knows how to get me riled up. But go ahead.
Speaker 17: Well, the original call was that there's a swap builders.
Speaker 17: They're actually located out in Colorado.
Speaker 1: Oh and what happened with Schwab builders.
Speaker 17: They basically they would take people with money, they would
Speaker 17: make believe they would you know, they would fix their
Speaker 17: homes and take you know, take that money takes.
Speaker 1: How much did they take for me?
Speaker 5: This is I'm looking at the Mitri he's foramiliar with
Speaker 5: the case, but for everybody listening, how much did they
Speaker 5: end up taking from you?
Speaker 17: Three hundred fifty thousand dollars?
Speaker 1: Oh my god, three hundred, three hundred and fifty thousand.
Speaker 1: What were they going to do for that?
Speaker 17: Well, we purchased, we purchased a house from Abbi Schwab
Speaker 17: and we gave just abby two hundred and fifty thousand dollars.
Speaker 17: Then he allowed us to move into the house and
Speaker 17: fix the house before we could move in. Long story shorts,
Speaker 17: he's just a fraud. And we also find out yesterday
Speaker 17: that A. V. Schwab and his son Sean Schwab, who
Speaker 17: are Schwab remodelers, and Schwab builders, the just the Attorney
Speaker 17: General office. They had a they were indicted yesterday.
Speaker 1: Oh my god, thank god.
Speaker 8: It's more than that. More than that, they got thrown
Speaker 8: in the slammer.
Speaker 5: Give us a little give us a little background on
Speaker 5: what these guys were doing, Dimitri.
Speaker 9: Oh well, Sean Schwab is a proud member of our
Speaker 9: anonymous Sleeze Brigade. And there's a picture of him there,
Speaker 9: and so he and his dad operated this this scam.
Speaker 9: They have dozens of victims. They finally got indicted for many,
Speaker 9: many counts of theft as well as multiple violations of
Speaker 9: the COCA And that's a really, really really big deal.
Speaker 9: That's the Colorado Organized Crime Control Act. So they got
Speaker 9: thrown the slammer. They're in Denver right now, and there's
Speaker 9: another hearing on Monday, and I might actually stop by
Speaker 9: the courthouse to see what's going on over there.
Speaker 10: Man.
Speaker 1: But you said they got thrown in the slammer.
Speaker 8: One point one million dollar bail each. Wow.
Speaker 9: And they had to give up Apparently they had multiple passports,
Speaker 9: so the judge made them turn in.
Speaker 1: These guys were ready to split town.
Speaker 8: Oh yeah, and shot.
Speaker 1: How much money do you think they how much money?
Speaker 1: Is the DA saying they snagged you know.
Speaker 9: They said that there are dozens of victims, ranging from
Speaker 9: five thousand to quarter of a million.
Speaker 8: And it's hard to say.
Speaker 9: But Sean is he you know, he's got tons of
Speaker 9: photos on social media. It's like he was pretending to
Speaker 9: be some kind of an influencer. That's greaz Yeah. So
Speaker 9: he's in Miami, he's got fancy watches, he's got Lamborghini.
Speaker 1: And it's all fake. Oh, it's all fake. It's all
Speaker 1: stolen money. Well yeah, or fake in both. Oh yeah,
Speaker 1: you're right, meaning he's trying to look richer than even
Speaker 1: from the money he stole.
Speaker 8: I'm sure these were rental Lamborghinis.
Speaker 1: So George Man, I love the follow up you gave.
Speaker 5: I feel horrible for you getting taken for three hundred
Speaker 5: and fifty grand from these thieves, I mean, these apparent thieves.
Speaker 17: Well, we weren't able to get a judgment. We have,
Speaker 17: we got a judgment of over three hundred and fifty
Speaker 17: thousand dollars, which we also have.
Speaker 1: Uh yeah, but do they have any assets? Do they
Speaker 1: have assets?
Speaker 17: They do have assets.
Speaker 1: Yeah, so they see some assets.
Speaker 17: Well, it's going to be a laundry list. Of people
Speaker 17: that are going to try and get retribution because of
Speaker 17: all the you know, everything been defrauded. Yeah, they were
Speaker 17: in Denver seven news seven news last night that a
Speaker 17: news article on them was similar to what the other
Speaker 17: gentleman was mentioning. Yeah, well, I just want to share
Speaker 17: that sometimes karma does come back and bite you in
Speaker 17: the button.
Speaker 5: Boy, you're not kidding, man. I'm really glad it did.
Speaker 5: I hope they got I hope they go to prison
Speaker 5: for a long time. You know, economic crimes, people go, oh,
Speaker 5: we can you know, we've got to handle these other
Speaker 5: things first.
Speaker 1: And I'm not saying there's not crimes.
Speaker 5: It should be handled quicker, especially when it comes to
Speaker 5: dispatching police or something.
Speaker 1: But let me tell you.
Speaker 5: Somebody like Don Eiley that took over ten million dollars
Speaker 5: from different clients. He created suicides, he created divorces, he
Speaker 5: ruined families. So economic crime goes a lot more than
Speaker 5: oh I got taken for three hundred and fifty thousand.
Speaker 5: If that's all you have in your life and you're
Speaker 5: in your sixties, that's the difference between retiring at a
Speaker 5: normal pace in a comfortable way, retiring on basically some
Speaker 5: form of disability or something. I mean, it's it's crazy.
Speaker 5: I hope they throw the book at the guy. George
Speaker 5: and I appreciate the update three h three seven one
Speaker 5: three eight two five five. Another issue with waste connection
Speaker 5: coming up. And then Mike's got a comment on the hospital.
Speaker 5: We were talking about Reagan UCLA Hospital in Los Angeles
Speaker 5: one hundred and thirty percent capacity. This is before the fire,
Speaker 5: and we had some people go out there that we
Speaker 5: know very well. They ended up staying in the hallway
Speaker 5: the whole time. They couldn't leave the hospital. I don't
Speaker 5: want to get into why, but basically.
Speaker 1: They did a procedure there and the procedure created an infection,
Speaker 1: so they couldn't even go back to the hotel. So
Speaker 1: they were literally stuck in the hospital in a hallway.
Speaker 1: And then eventually one night they go to use the restroom.
Speaker 1: There's a homeless guy in the restroom defecating in the
Speaker 1: middle of it. But once again, one.
Speaker 5: Hundred and thirty's one of the best hospitals in the country.
Speaker 3: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 3: dot com.
Speaker 1: You don't pay a cent until you're content than.
Speaker 3: Time for an insurance check up free, no obligation comparison
Speaker 3: call Compass insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three seven
Speaker 3: to seven to one help. You'll think you're his only
Speaker 3: customer when you choose Frank durand the real estate Man
Speaker 3: dot com to list your home with Remax Alliance three
Speaker 3: oh three nine two zero sixteen twenty two.
Speaker 5: All right, three oh three seven one three eight two
Speaker 5: five five. We only have John Jones Junior for a
Speaker 5: little a little more time. Neil's got a problem with
Speaker 5: waste connections, which is crazy. Neil, You're gonna be first
Speaker 5: up right after the break, and then Mike I'll follow
Speaker 5: by you. I'm simply going in times and then in
Speaker 5: issue with a catalytic converter.
Speaker 1: We're going to be talking about.
Speaker 5: I'm not sure what that is, but John Jones Junior,
Speaker 5: I know I'll have you for a few minutes. But really,
Speaker 5: when we talk open enrollment, the most important part is
Speaker 5: the windows closing. If someone hasn't shopped their health insurance,
Speaker 5: it is time to do it now. Most cases they
Speaker 5: have till the fifteenth.
Speaker 12: Yes, sir so for individual and family under age sixty five.
Speaker 12: If you buy your own health insurance through Connect for
Speaker 12: Health Colorado or direct with an Affordable carret qualified health
Speaker 12: insurance compan or a company that offers affordable caret qualified
Speaker 12: health insurance plans, the deadline is January fifteenth, and that's
Speaker 12: to get a February first effective date. Like I said,
Speaker 12: if you've started the process through Connect for Health they do,
Speaker 12: you'll have a couple more days to get that enrollment in.
Speaker 12: But yeah, I mean keep in mind there's for most
Speaker 12: people out there, there's over eighty plans to try to
Speaker 12: sort through.
Speaker 5: Oh my, and so you might say money might have
Speaker 5: more tax credits. I mean, you might be able to
Speaker 5: find a better plan if you have surgeries coming up
Speaker 5: this year.
Speaker 12: Yes, sir, So that's what we're going to have all
Speaker 12: those conversations to really help narrow that down real quick
Speaker 12: and try to pay point. What's going to help you
Speaker 12: out the best, folks.
Speaker 5: These guys dig in to you and your family and needs.
Speaker 5: They're not like these eight hundred numbers they run on
Speaker 5: CNN late at night or whatever. These are people that
Speaker 5: live in our community. John and his dad and his mom.
Speaker 1: They live this stuff. Their team lives this stuff.
Speaker 5: They know all the best plans, but the most important
Speaker 5: part is they know the plan for you. There's a
Speaker 5: big difference between the twenty four year old shopping and
Speaker 5: a forty year old shopping. They know all the tax credits,
Speaker 5: they know everything. They're going to listen to your needs
Speaker 5: and make the recommendations. It cost you nothing, seriously nothing.
Speaker 1: Call these people. Three oh three four sixty six fifty
Speaker 1: five hundred. Three oh three four sixty six fifty five hundred,
Speaker 1: John real quick.
Speaker 12: I did want to there is another open if you're
Speaker 12: on a Medicare advantage plan, certainly open enrollment for that
Speaker 12: annual enrollment period ended on December seventh. But if you're
Speaker 12: on a plan, you got sold a plan, or you're
Speaker 12: in a plan that you're not happy with, do you
Speaker 12: have January advantage for a Medicare advantage, you're going to
Speaker 12: talk about first in March thirty first to do that.
Speaker 5: We're going to talk about that after the break. That's
Speaker 5: very important. Three oh three four sixty six fifty five hundred.
Speaker 5: One line open three oh three four six six fifty
Speaker 5: five hundred. That's Integra Insurance. I'll see you in about
Speaker 5: six minutes.
Speaker 3: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 3: dot com. You don't pay a cent until you're content.
Speaker 3: Time for an insurance check up free, no obligation. Comparison
Speaker 3: call Compass Insurance paying too much your coverage at dozens
Speaker 3: of insurance companies find out now three oh three seven
Speaker 3: to seven to one help. You'll think you're his only
Speaker 3: customer when you choose Frank durand the real estate Man
Speaker 3: dot com to list your home with Remax Alliance three
Speaker 3: oh three nine two zero sixteen twenty two.
Speaker 6: News. So you don't have.
Speaker 8: Good gonna help?
Speaker 21: Come?
Speaker 4: This is the Troubleshooter Show. No Tom Martino.
Speaker 1: Hey, welcome to the show, the only show if it's kind.
Speaker 5: We're here to solve problems, answer questions, take complaints. Man,
Speaker 5: We've got a lot going on behind the scenes too,
Speaker 5: So please join us on anytime. You can watch it
Speaker 5: later on when you get home from worker from back
Speaker 5: in your car whatever.
Speaker 8: I don't.
Speaker 1: I don't suggest watching us on YouTube while you're driving,
Speaker 1: by anything.
Speaker 6: They could listen about your victomy on YouTube.
Speaker 1: Oh let's not go into what we were talking about.
Speaker 1: But you go to YouTube dot com and then you
Speaker 1: type in Troubleshooter Network. It's so nice having your wife
Speaker 1: in with you in studio with you to point out certainly.
Speaker 6: You're keeping it real on YouTube.
Speaker 5: Three oh three Bartino by the way, seriously, that number
Speaker 5: works on and off the air.
Speaker 1: And we've got a full house today. Deputy Docs next
Speaker 1: to me on my right, Deputy Dmitri Kelly, of course,
Speaker 1: Dragon and then Suzanne, and then we have our guests
Speaker 1: today and I'm gonna ask him a question real quick.
Speaker 5: Then we're gonna hop we got full lines. Neil, Bob, Milton, Greg,
Speaker 5: I promise I'm coming to you. But here's here's the deal.
Speaker 1: I want to ask John Jones, Junior Integrainsurance dot Com.
Speaker 5: These guys are the health insurance experts. But I didn't
Speaker 5: realize that if you had an advantage plan, the open enrollment,
Speaker 5: because open enrollment for most stuff, medicare normal, medicare Part
Speaker 5: A and B, and then for anything on the exchange
Speaker 5: all ends.
Speaker 1: On the fifteenth.
Speaker 5: So those people better call quick and I'll give the
Speaker 5: number out. But they better call quick to make sure
Speaker 5: they're in the right plan. They can't save more money, etc.
Speaker 5: But if you're on an advantage plan, what so Medicare
Speaker 5: Advantage has a couple enrollment periods. You have your annual
Speaker 5: enrollment period, which is October fifteenth to December seventh.
Speaker 12: That's where you can change your Medicare advantage plan for
Speaker 12: the next year effect of January first. Then you have
Speaker 12: an open enrollment period, which is January first to March
Speaker 12: thirty first. That's if you got in the wrong plan
Speaker 12: or you missed the advantage long advantage plan. So this
Speaker 12: is only Medicare advantage, not prescription drug plans, not Medicare supplements,
Speaker 12: don't deal with really any of that.
Speaker 5: If you're an advantage plan right now and don't like it,
Speaker 5: you can switch to another advantage, but you can't switch
Speaker 5: to regular Medicare now.
Speaker 12: It's also the advantage disenrollment period, so you can disenroll
Speaker 12: from Medicare advantage. However, to get a Medicare supplement, if
Speaker 12: you've been on that advantage plan longer than twelve months
Speaker 12: and it's your first time on that plan, then you
Speaker 12: have to medically qualify for the supplement. So you want
Speaker 12: to make sure that you don't just disenroll and see
Speaker 12: because then you could just be stuck with original Medicare
Speaker 12: and nothing else. Here's one to make sure you qualify
Speaker 12: for a supplement if you wanted to do that.
Speaker 5: Here's the people I want, Well, I want everybody to
Speaker 5: call you with any health insurance questions, but here's the
Speaker 5: people based on what you just said, I really want
Speaker 5: you to call. And I'm going to give an example
Speaker 5: with Suzanne's mom. Your mom has Medicare advantage. She called
Speaker 5: about two weeks ago. We were driving home from the
Speaker 5: show and she goes, she goes, hey, guys, what do
Speaker 5: you think of this? I got to wait three months
Speaker 5: to go in and have my knee X ray. Her
Speaker 5: knee's been bothering her forever. She needs a new knee.
Speaker 5: But you know, people don't want to do it. But
Speaker 5: regardless of the point, in order to actually get to
Speaker 5: the right doctor, she's got to have the imaging done
Speaker 5: and it was a three month wait because she'sn't an
Speaker 5: advantage plan.
Speaker 1: I'd argue that all day.
Speaker 5: Long because her coverage is only inside that plan right,
Speaker 5: almost like an HMO.
Speaker 12: And it could be an HMO. A lot of advantage
Speaker 12: plans are were you having network, a specific network of
Speaker 12: doctors and us access to Yes, sir, so wait.
Speaker 1: Let me finish it.
Speaker 5: So they have a three month wait, and she's in Atlanta, Georgia,
Speaker 5: and listen to this three month wait just to get
Speaker 5: in there. I told her, I said, well, if you
Speaker 5: add normal Medicare A and B, you can go to
Speaker 5: most doctors out there. You wouldn't have to stay in
Speaker 5: the plan. Hell, she could come to Colorado and get
Speaker 5: it done right.
Speaker 12: Correct, So doctor a hospital that accepts original Medicare.
Speaker 1: Which is almost everybody.
Speaker 12: It's about I think approximately ninety three or so percent.
Speaker 5: So think about that ninety three percent coverage. If you're
Speaker 5: in an advantage plan, there's not many advantages that I
Speaker 5: know of.
Speaker 15: Now.
Speaker 5: Listen, these guys are the expert. Some people they simply
Speaker 5: don't want to pay anymore.
Speaker 1: And that's a lot of people with the advantage plan.
Speaker 5: But what they're not thinking about is time they might
Speaker 5: have to wait for any form of a network service.
Speaker 1: And then the other thing is how much.
Speaker 5: How do you put this just the care in general,
Speaker 5: you want to go to the best cancer doctor in
Speaker 5: the world, or the best doctor for this or that.
Speaker 5: That's not going to be in your network and you
Speaker 5: can't leave your network. But if you're in Medicare A
Speaker 5: and B, that opens up the whole damn country to you,
Speaker 5: a most sure and everybody.
Speaker 12: Then that's where we're gonna We're gonna ask questions, We're
Speaker 12: going to fact find, we're going to do a needs analysis.
Speaker 12: We're gonna have those conversations. And number one, it's education.
Speaker 12: We want you to be educated and understand what medicare does,
Speaker 12: how it works, what a supplement is, what an advantage
Speaker 12: plan is. We do both will help you. We can
Speaker 12: help individuals either way. So so yeah, we can. We
Speaker 12: can help walk you through that. If you are on
Speaker 12: advantage playing though currently and you're not happy with it,
Speaker 12: or you do have the ability to change, you have
Speaker 12: that or open enrollment period which is January first to Marchtown.
Speaker 5: Yeah, I'm telling you call these guys you're going to see.
Speaker 5: You know, all these commercials with a Fonsie and everybody else.
Speaker 5: You know, a guy that was on heart to heart
Speaker 5: back in the eighties is trying to sell these people
Speaker 5: out there. You want to go with someone local, you
Speaker 5: call Integra. It's simple as that. I can go to
Speaker 5: integrainsurance dot com.
Speaker 1: We've known John and John and Day and all the
Speaker 1: ownership and all the employees.
Speaker 5: They're great people. They'll never steer you wrong. They're going
Speaker 5: to put you in what is right for you and yours.
Speaker 1: Three oh three four six six fifty five hundred and please,
Speaker 1: you know, I know this sounds like a commercial, but
Speaker 1: the bottom line is it helps. I don't know what
Speaker 1: else to say. These guys help you.
Speaker 5: If you haven't made the call and check different options,
Speaker 5: you're crazy. Things change every year and open enrollment stops
Speaker 5: on the fifteenth for a lot of stuff, and then
Speaker 5: that advantage you'll rethink that the advantage plan. And I've
Speaker 5: learned firsthand from Suzanne's mom, like three months to get
Speaker 5: imaging done because of where they're at and they can't
Speaker 5: go out a network or they end up paying cash.
Speaker 1: It's insane. Three zero three four.
Speaker 5: Sixty six fifty five hundred. Hey, John Junior, I appreciate it, man.
Speaker 5: It was a great show. It was great having you
Speaker 5: in and I love the information you give to our listeners.
Speaker 12: Thank you, Mark, and thanks for having me in. All right,
Speaker 12: thank you to everyone.
Speaker 5: Now before I jump to the phones, I'm going to
Speaker 5: do this. We've got Leslie. She's the owner of Panacea
Speaker 5: Life on I have contacted. I'm just gonna pull her up, Doc,
Speaker 5: I've got to be able to talk here. So Leslie,
Speaker 5: first of all, I appreciate you coming on, but honestly, Leslie,
Speaker 5: I'm getting a little frustrated.
Speaker 1: We had another call today.
Speaker 5: They're telling me the shipping label for the product shows
Speaker 5: as it's never shipped, it hasn't moved, it's not going
Speaker 5: towards them. But their credit card's already been charged. And
Speaker 5: we're going on almost forty five days. Leslie, I mean,
Speaker 5: how do we appease these people? How do we get
Speaker 5: them their product? How do we get this back to normal?
Speaker 11: Yeah?
Speaker 2: Thanks Mark, it's Leslie.
Speaker 3: Well.
Speaker 2: I wanted to explain a couple things first, please. One,
Speaker 2: we had our fulfillment long term fulfillment person unexpectedly left
Speaker 2: in late November, and so this did cause us some issues.
Speaker 2: And now we've you know, we hired somebody, they've been
Speaker 2: trained and so we're back up and running. But that
Speaker 2: did cause us a weak blip the first of December. Also,
Speaker 2: we discovered a December third coquipment. All of the shipments
Speaker 2: on December third were lost by the post office. So
Speaker 2: we're now just sending those trying to figure that out,
Speaker 2: send those back out, and then the you know, the
Speaker 2: post office didn't help us at all in with the
Speaker 2: Christmas and things like that. We I You've sent me
Speaker 2: several customers. Most of their packages were sent out just
Speaker 2: sitting in a post office somewhere. So we've gone ahead
Speaker 2: and reshipped those customers their product. And you know, I
Speaker 2: heard from one of the customers yesterday they both received
Speaker 2: they received two products almost on the same day.
Speaker 1: So well, I just I'm sick of getting the calls.
Speaker 8: Leslie.
Speaker 1: I just can't sugarcoat it anymore.
Speaker 5: I hope you guys get back up to snuff, because
Speaker 5: I'm going to tell you here's what I hear. You know,
Speaker 5: my credit card was charged and I haven't got my products.
Speaker 5: But and here's the butt You're gonna like, believe it
Speaker 5: or not. But I love the product, but I don't
Speaker 5: know what to do anymore because I can't get in
Speaker 5: touch with anybody and.
Speaker 1: I'm not getting my product.
Speaker 5: So they love the product, they don't want to switch
Speaker 5: to another company. So your brand loyalty is great, the
Speaker 5: product is great, but man, we've got to get.
Speaker 1: It to these people.
Speaker 5: I mean, really, I understand the different things that happened,
Speaker 5: but here's what the consumer hears, oh they lost an employee.
Speaker 1: I didn't get it. Oh the post office laws, you can't.
Speaker 6: Get it through to find out a status.
Speaker 1: Yeah, or the other thing is they can't get through
Speaker 1: to you. Look, I don't think you.
Speaker 5: Guys are devious or anything like that, but just please
Speaker 5: stay on the ball with this. Hopefully the new person
Speaker 5: works out. And I do appreciate you coming on the air.
Speaker 5: That shows me that you really do care and you
Speaker 5: guys aren't walking away or something. We love talking about
Speaker 5: your product. Back in the day, we never got one
Speaker 5: complaint for years and years, then all of a sudden
Speaker 5: when we get all these the first thing that goes
Speaker 5: into my mind is, oh, my god, are they going
Speaker 5: out of business?
Speaker 1: What's going on?
Speaker 5: Did Leslie sell and someone else owns it?
Speaker 1: It's just kind of like that. You follow me.
Speaker 2: Yeah, I understand and appreciate your interest. But if anybody
Speaker 2: needs anything, we'll get back to them right away. They
Speaker 2: should just email sales at Panacealife dot com.
Speaker 5: And I got your word on that you guys will
Speaker 5: reply to them. So I'm not getting ones going I
Speaker 5: can't get a reply.
Speaker 2: No, we do it the same day for sure.
Speaker 1: So say it again.
Speaker 11: Please, sales s A.
Speaker 2: L Ees at Tannesselife dot com.
Speaker 5: I love it, Thank you, Leslie. I really do appreciate
Speaker 5: you coming on. That shows me a lot of integrity
Speaker 5: right there.
Speaker 1: And for the people waiting once again, the guy that
Speaker 1: called today what was his name, Pete.
Speaker 20: Pete, And then there was someone on YouTube who's very
Speaker 20: concerned about his order and he was going to listen
Speaker 20: in Yeah.
Speaker 5: So the person on YouTube that's listening right now in Pete,
Speaker 5: I assume you're still listening, email her today and if
Speaker 5: you don't hear back from them, let me know tomorrow.
Speaker 5: But I believe her. I do believe Leslie. She's an
Speaker 5: honest woman. She's a very successful woman. She created a
Speaker 5: great company. And now that I can talk to her
Speaker 5: and kind of understand a little more. But you know,
Speaker 5: the other part to that is and no offense to her.
Speaker 5: But you can only take so many excuses. I don't
Speaker 5: care what the excuses are, valid, invalid? I mean a
Speaker 5: month and a half, two months goes by, you've been
Speaker 5: charged for something and don't get it.
Speaker 1: You're going to be frustrated.
Speaker 20: And if you lose your fulfillment person for orders, why
Speaker 20: even take orders?
Speaker 6: That's why I charge on credit card, charge the card.
Speaker 5: Yeah, but anyhow, let's hope this is done and over with,
Speaker 5: and remember if you do have an issue. Sales at
Speaker 5: Panacea Life dot com. Sales at Panacea Life dot com.
Speaker 5: Where did I leave off here? I got to take
Speaker 5: a break. Then we'll come back. Who's been waiting the longest,
Speaker 5: Neil with waste connections. Neil's got a problem with waste connection, Neil.
Speaker 5: I promise you're up next right after this. And then
Speaker 5: Milton has a issue with a motor home dealer that's interesting,
Speaker 5: and then a Cataltic converter. And then Craig has an
Speaker 5: update on this Kia thing. I met him at Kia
Speaker 5: if that's the right Craig, And I'm dying to see
Speaker 5: what that update is.
Speaker 1: We got a lot of stuff coming up.
Speaker 3: Go with a sure thing Denver's Best roofer Excel roofing
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Speaker 1: You don't pay a cent until you're content.
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Speaker 3: call Compass Insurance paying too much your coverage at dozens
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Speaker 3: three nine two zero sixteen twenty two.
Speaker 5: All right, three oh three seven one three eight two
Speaker 5: five five. Hey Neil, what's going on with waste Connections?
Speaker 8: Hello?
Speaker 5: Yes, sir, let me guess you canceled service and they're
Speaker 5: charging you or they're simply not picking up your trash?
Speaker 1: Which one is it?
Speaker 21: Well?
Speaker 11: All of us?
Speaker 1: All the above? Damn the trifecta. Really, what's going on?
Speaker 4: No?
Speaker 22: I canceled my Well, they missed my my pickap first
Speaker 22: and I called them back and then they said, well,
Speaker 22: somebody probably filled it up that overnight. I go, well,
Speaker 22: my driveway's seven hundred.
Speaker 21: Feet long and nobody comes down my.
Speaker 22: Driveway but for doing the office thing, calling them a
Speaker 22: couple of times, talking to the rap he called me
Speaker 22: and he goes, man, you've been a customer for twenty years.
Speaker 21: Over twenty years, what can we do to fix this problem?
Speaker 11: I thought to myself, I.
Speaker 5: Got you, got it? Okay, you got a hold on.
Speaker 5: Let me put you on hold for a brother. Listen.
Speaker 5: Although when we're just on YouTube, I might occasionally.
Speaker 8: Slip af bomber two.
Speaker 1: Well, I wouldn't even go that far, but who knows.
Speaker 1: I mean, you can call me out on it. But
Speaker 1: we've got to wait for that to lay to build
Speaker 1: a little because now I'm a little wary. But I
Speaker 1: can't wait to hear the rest of the story in
Speaker 1: the meantime, and I'll come to you right after this.
Speaker 1: But an issue with a catalytic converter? What is going
Speaker 1: on with that manly catalytic?
Speaker 15: If you remember, yeah, this is Bob, Bob, Bob here.
Speaker 15: I talked to you last week about the situation.
Speaker 6: To talk to John Fuller.
Speaker 1: I don't know who you talked to. If it was
Speaker 1: last week, I doubt it was me, But give you
Speaker 1: if clue me in what's going on? What happened?
Speaker 11: Yeah, yeah, yeah, I was you.
Speaker 15: You talked to the Fellah. What happened was that purchased
Speaker 15: a vehicle, a truck, and the truck had bad Cadillac inverters. Okay,
Speaker 15: and and uh we we went on. We had a
Speaker 15: conversation with the dealership.
Speaker 13: They came out and talked to you guys.
Speaker 15: Uh, they indicated that they would pitch in five hundred bucks.
Speaker 1: Oh I remember that they were I do.
Speaker 24: That wasn't me.
Speaker 1: And that was that was like three weeks ago.
Speaker 13: Okay, all right, my man off all my time.
Speaker 1: In fact, the owner, that's fine.
Speaker 5: The owner actually came on and I struck a deal
Speaker 5: with them that you were going to go do whatever,
Speaker 5: but they were going to send you five hundred bucks.
Speaker 15: Yes, okay and uh and they hopped all over that
Speaker 15: and so died because I, you know, I just figured
Speaker 15: it would be better than nothing. But I've done some
Speaker 15: research and I wanted to educate you. Uh cat contact
Speaker 15: an attorney. Uh, there's there's there's avarials there there there
Speaker 15: would affect me if I if I were to register
Speaker 15: the vehicle, knowing that the tags I mean, the Cadillac
Speaker 15: and version out there against a law to do so, well,
Speaker 15: no kidding.
Speaker 5: First all, you'd have to have the emission test to
Speaker 5: do that. I mean, everybody knows that you can't. If
Speaker 5: you cut the cats off, that's illegal.
Speaker 13: Right right.
Speaker 15: So knowing that because the vehicle is new enough to
Speaker 15: where I don't have to go through emissions doesn't justify
Speaker 15: them not having to take care of the equipment problem.
Speaker 5: Oh, I I'd agree with that, but I never would
Speaker 5: have said anything different.
Speaker 1: I mean, what's it. Why are you assuming I didn't
Speaker 1: know that?
Speaker 11: Well?
Speaker 15: Because you, when you were you, you offered them to
Speaker 15: be part.
Speaker 17: Of your your your your your.
Speaker 13: Club of.
Speaker 15: Yeah, I told them, But honestly, they were deceiving you
Speaker 15: because they can't. I can't imagine that they didn't realize
Speaker 15: you can't tell a vehicle to somebody without without CADAC
Speaker 15: converts and then knowing that they sold it to me
Speaker 15: and telling me to go down and register it is
Speaker 15: also something that's.
Speaker 5: Supposed to put Bob, just a couple of assumptions here.
Speaker 5: First of all, are you saying the cats were totally
Speaker 5: removed from it?
Speaker 8: That was the original call failed.
Speaker 5: That's what I'm saying. None of this came up in
Speaker 5: the original call. You said it failed emissions.
Speaker 15: No, no, no, I said that will not pass emissions.
Speaker 15: But they told me that since I didn't have to
Speaker 15: go through emissions, it would be acceptable to just go
Speaker 15: down there and just just get the tags and not
Speaker 15: worry about it. But in two years I'll have a
Speaker 15: five thousand dollars bill in not only that.
Speaker 21: Yep.
Speaker 5: But wait, wait, Bob, You're missing a big part here.
Speaker 5: This is the part I got to understand when you
Speaker 5: finally if you did go down and wouldn't pass emissions,
Speaker 5: is it because it needed cats because those cats weren't
Speaker 5: doing the.
Speaker 1: Job or were they literally cut off?
Speaker 15: They were not functioning there?
Speaker 5: Okay, see listen, the semantics is starting to piss me off.
Speaker 5: Here's what I'm asking. Are the cats physically there? I
Speaker 5: understand they weren't working. Are they physically there? There's a
Speaker 5: big difference because if that company sold a vehicle knowing
Speaker 5: there was no cats at all, that's insane.
Speaker 15: The cats were there, and they and we were aware
Speaker 15: of the caspin no good because I went to the
Speaker 15: dealership to find out because the checking was like was on.
Speaker 1: Yes, That's that's where the call came in.
Speaker 5: So there's a couple assumptions you're making about this company.
Speaker 1: One assumption is.
Speaker 5: That every vehicle they get in that is still under
Speaker 5: the exemption for emissions, they go out and run through.
Speaker 1: You're assuming this.
Speaker 5: Company would actually, my god, I'm thinking of like John
Speaker 5: Elway or I'm thinking of AutoNation.
Speaker 3: A Matt go with a sure thing, Denver's Best roofer,
Speaker 3: Excel roofing dot com. You don't pay a cent until
Speaker 3: you're content time for an insurance checkup free no obligation.
Speaker 3: In comparison, call Compass Insurance paying too much your coverage
Speaker 3: at dozens of insurance companies find out now three oh
Speaker 3: three seven to seven to one help. You'll think you're
Speaker 3: his only customer when you choose Frank durand the real
Speaker 3: estate man dot com to list your home with Remax
Speaker 3: Alliance three oh three nine two zero sixteen twenty.
Speaker 1: Two A three O three seven one three eighteen.
Speaker 5: I love when I help somebody get them five hundred
Speaker 5: bucks and they call me up to school me.
Speaker 1: I mean, come on, man, the cats were there.
Speaker 5: I'm not going to go down that rabbit hole again
Speaker 5: though it's just insanity. Now I'm going to go back
Speaker 5: to potty mouth Neil. You know, Neil, there's certain words
Speaker 5: we can't say. I assume Dragon had a little conversation.
Speaker 1: Dragon. Did you pick up and tell Neil what he
Speaker 1: did wrong?
Speaker 5: Just out of here? So Kelly got him. I hope
Speaker 5: we didn't have to go over every word.
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Speaker 1: Neil pottymouth, you're not gonna say anything else.
Speaker 24: Right, I'm not gonna say anything, Okay.
Speaker 5: So waste Connections, Waste Connections. You couldn't get them to
Speaker 5: pick up a full dumpster. And basically they called you
Speaker 5: up because you've been a customer for twenty years and
Speaker 5: they're like, what can we do for you? So instead
Speaker 5: of just sending a truck out and actually taking care
Speaker 5: of the problem, you know. So where did it go
Speaker 5: from there?
Speaker 21: Well, I canceled my account, right at least they sent
Speaker 21: me a payoff nine hundred and five dollars and nineteen cent.
Speaker 18: So it's a commercial deal, commercial two yard dumpster yep, okay,
Speaker 18: And so I paid it within the timeframe.
Speaker 1: You paid the nine hundred. Okay, all right, Okay.
Speaker 21: The nine hundred wanted them out of my life.
Speaker 8: Yep.
Speaker 24: You know I've never seen a company I get it,
Speaker 24: you know. So anyway, I get a bill in November
Speaker 24: for what for forty four dollars? They never picked up
Speaker 24: the dumpster. They came.
Speaker 21: Better after I canceled than ever they had the twenty years.
Speaker 21: They just came and they did.
Speaker 5: So this is crazy. You bought your way out of
Speaker 5: the contract. You did everything the agreement said, right.
Speaker 21: Everything it said that I said ninety days, send them
Speaker 21: a certified letter. I sent him a certified letter with
Speaker 21: the check at the time I canceled it.
Speaker 1: Got it.
Speaker 5: So so but what are they saying now? What are
Speaker 5: they What is the forty four for? And just out
Speaker 5: of curiosity, is a dumpster still sitting there?
Speaker 21: Full?
Speaker 1: Or the new company emptied it?
Speaker 21: No, they came and they dumped it a week later.
Speaker 1: Oh, but didn't take it. They didn't take that's a
Speaker 1: different truck though.
Speaker 21: I got another dumpster right next to them. Yeah, from
Speaker 21: another company, Yeah, the same month. Yeah, they came every
Speaker 21: two weeks and picked up that dumpster is totally empty.
Speaker 5: Yeah, okay, so now they want forty four bucks. But
Speaker 5: even so, when are they gonna When are they gonna
Speaker 5: come get that dumpster?
Speaker 21: I had to move the dumpster in October because I
Speaker 21: got I built it.
Speaker 1: Okay, well don't I don't even care. Why where'd you
Speaker 1: move it to?
Speaker 21: I just moved it around the backside of my shop.
Speaker 1: Okay.
Speaker 5: So if they come to get it, are they gonna
Speaker 5: claim that they came to get it but it wasn't there?
Speaker 21: Well here I called them on the twenty.
Speaker 1: Let me see, Hey, Neil, let's just skip to this.
Speaker 1: How can we help you right now? It's not over?
Speaker 1: Is it over the forty four bucks? Or is it over?
Speaker 1: Then picking up the dumpster?
Speaker 24: Then?
Speaker 21: I Then I got a bill in December for a
Speaker 21: hundred and.
Speaker 5: Eight do no, go ahead, Dmitri go And the reason
Speaker 5: I'm going to Dmitri honestly, he's in the biz, all.
Speaker 8: Right, Neil.
Speaker 9: So you canceled your service and sent them a check
Speaker 9: for the cancelation fee?
Speaker 8: What month?
Speaker 21: Yep?
Speaker 24: What month that was in.
Speaker 9: Okay, and then the next time you heard from them
Speaker 9: was you got a forty dollars bill in October.
Speaker 1: In October, and the damn dumpster's still there?
Speaker 8: And what was that bill for?
Speaker 21: Doesn't know what you call?
Speaker 9: Well, I mean, does it say there's a line items
Speaker 9: that say for dumpster rental or late fee or what?
Speaker 21: Let me see here.
Speaker 1: Let's let's do this. I gotta take this break. I
Speaker 1: want to put you on this.
Speaker 8: I can talk to him. I'll talk to him off
Speaker 8: the air, talk to him.
Speaker 5: So listen, let Neil, let's do this. I want you
Speaker 5: to give all the information to Kelly. She's gonna email
Speaker 5: it over to Dmitri and he's going to get on it.
Speaker 5: He's going to help you and work through this. But
Speaker 5: he's going to need to know the answer to that
Speaker 5: forty four dollars.
Speaker 8: Question and six dollars question.
Speaker 5: Yeah, And if we can't get through do them or
Speaker 5: change anything. I've got other means of doing it. But
Speaker 5: let's go through possibly the proper channels first and hope
Speaker 5: this fell through the cracks. J Milton Craig, you're next,
Speaker 5: all right, Look at here, Bobby Ross. This is going
Speaker 5: straight over to the cops. He's a guy I was
Speaker 5: just talking about with the vehicle that I couldn't get
Speaker 5: through his head. They sold it with the cat, and
Speaker 5: he was trying to say there was no cat. It
Speaker 5: doesn't matter. Look, man, you can say whatever you want,
Speaker 5: but the threats go directly over to the DA. You
Speaker 5: just already blew it there. Bro, I don't know what
Speaker 5: else to say. You're crazy. You're going to end up
Speaker 5: in big trouble over this. So I'm sorry I hurt
Speaker 5: your little feelings, and I'm sorry you're crying in your
Speaker 5: soup or your beer or whatever you're drinking.
Speaker 1: At one fifty five.
Speaker 5: But the bottom line, my friend, is I got you
Speaker 5: five hundred dollars from that dealer you would never gotten.
Speaker 5: And I also told you you can go to Wyoming
Speaker 5: and get those cats for half the price. So if
Speaker 5: you want to threaten me, not only on Facebook, by email,
Speaker 5: the cops are going to end up with it, you
Speaker 5: big jerk. That's the way it goes. You know what,
Speaker 5: you want to be an ass? Be an ass. You're
Speaker 5: going to end up paying the price for it, you jerk.
Speaker 5: But he's never going to listen again, so I'm sure
Speaker 5: he doesn't hear me right now, boy, I'd love to
Speaker 5: bet on that one. How many people say they never
Speaker 5: listen and tune in like I am gospel? How many
Speaker 5: the more they have, the more they listen. Any contractor
Speaker 5: out there, I've gone after they're glued.
Speaker 1: You're glued. You've gotta be careful, bro. You don't put
Speaker 1: threats in writing. You dummy, You dummy, and we know
Speaker 1: exactly who you are now three zero three Martino. Remember
Speaker 1: that number works on and off the air, three zero
Speaker 1: three Martino. On top of that, you can always email
Speaker 1: help It troubleshooter dot com. We get directly involved. If
Speaker 1: you've been listening to the show, you understand that one Now,
Speaker 1: Milton had an issue with a motor home. Hey, why
Speaker 1: do you have Milton on hold for me? I'll do this.
Speaker 1: I'll go to the update with Craig.
Speaker 5: Craig, the last update I heard, you texted me or
Speaker 5: emailed me in the last I don't know a couple
Speaker 5: of days that the transmission was coming in.
Speaker 1: Yes, did it come in?
Speaker 18: Yes?
Speaker 15: The thing is is that's the first thing they diagnosed, Craig.
Speaker 5: I understand, trust me, I don't have time to recap it.
Speaker 5: But the thing you wanted done at the very beginning,
Speaker 5: was the transmission that was under warranty. They sold you
Speaker 5: everything else in the world that didn't fix it. Did
Speaker 5: the transmission fix it?
Speaker 21: No?
Speaker 17: Now they're putting in another rebuilt transmission.
Speaker 5: Oh my god, I'd get it out of there. I mean,
Speaker 5: how many I can't believe how bad this dealership is.
Speaker 5: Hold on, man, just make sure he calls back tomorrow.
Speaker 5: We're gonna lead the show off with a Rapa Ho Kiah.
Speaker 5: You know what, a Rapa Hokia. I gave you the
Speaker 5: benefit of the doubt, but that guy's car has been
Speaker 5: down there two or three months. Just everybody tune in tomorrow.
Speaker 5: It's gonna be the Rapa Ho Kia Show.