Speaker 1: Ripped news needed. That's when you don't have.
Speaker 2: Come running just as fast as we can.
Speaker 3: Shooter's gonna help come.
Speaker 4: Man Dix is the Troubleshooter Show. No Tom Martino, Hi
Speaker 4: Tom Martino.
Speaker 5: Here, let's do it again, solving problems, answering questions, taking complaints,
Speaker 5: just basically telling you what's right and wrong in the world. Well, actually,
Speaker 5: we all tell each other what's right and wrong, don't we.
Speaker 5: That's what we do here on the show, and been
Speaker 5: doing it for forty five years in Denver, and we
Speaker 5: are so happy to be here.
Speaker 4: Welcome.
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Speaker 5: any concerns whatsoever, you can call us there with any time,
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Speaker 5: you never have to wait on hold. Of course, when
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Speaker 5: have a personal Google number that actually goes to my
Speaker 5: cell phone that you can text at any time for
Speaker 5: any kind of information, including financial advisement that we're doing
Speaker 5: with Wave eight Wealth Management, and that you can text
Speaker 5: me if you have questions, or you can question anything
Speaker 5: on the show or offer me information. One guy, for example,
Speaker 5: it's seven four seven nine nine nine fifty two eighty
Speaker 5: one guy.
Speaker 4: Yesday.
Speaker 5: I think I might've been talking this, I don't know,
Speaker 5: but he happened to text me because I had a
Speaker 5: scuff on my bumper, like a scratch and almost looks
Speaker 5: like paint came off from the other car. And it
Speaker 5: was there when I got out of the gym. I
Speaker 5: thought it was the gym. They checked the security footage
Speaker 5: wasn't there. It was at Park Meadows right before I
Speaker 5: went there. And man, that's rude, isn't it When you
Speaker 5: hit somebody's car and you don't even stop, or you
Speaker 5: don't put a note and you just leave anyway. Yeah,
Speaker 5: I swear to God, the people are getting worse and
Speaker 5: worse and worse and worse and worse. They really are.
Speaker 5: I mean, there's a lot of nice people, but as
Speaker 5: far as the it seems like the bad are getting worse,
Speaker 5: and we just seemed to think we can get away
Speaker 5: with everything right anyway. So he for this is an example.
Speaker 5: He texted me saying, Hey, I got a guy. He's mobile,
Speaker 5: he works with several dealers, and he fixed my car.
Speaker 5: It was wonderful, he says. I'm very picky. I had
Speaker 5: deep scratches in it. He's standard blended painted. So that's
Speaker 5: something to consider because when you go to a body shop,
Speaker 5: you better you better well think three weeks, no matter what,
Speaker 5: three weeks minimum and probably two grand. I don't think
Speaker 5: any body shop anywhere you can get under two grand
Speaker 5: and under three weeks.
Speaker 4: That's just a fact of life.
Speaker 5: So anyway, you can text me there at the Google
Speaker 5: voice number seven four seven eighty or the short code
Speaker 5: for iHeart.
Speaker 4: We have a number.
Speaker 5: You put Tom in there, and and well not in
Speaker 5: the code, but you just put Tom in the message,
Speaker 5: it'll come to me. It's five seven seven three nine
Speaker 5: five seven seven three nine. And then of course if
Speaker 5: you go to YouTube look for the Troubleshooter network and
Speaker 5: then what you can do is hit the chat and
Speaker 5: talk to us or send me a message. Uh, let's
Speaker 5: go to uh, Deputy D.
Speaker 4: Deputy D. I think I saw you talking to someone
Speaker 4: about the robot dog.
Speaker 5: Yesterday a guy called kind of lonely. I mean it
Speaker 5: was really sad if you think about it. I mean,
Speaker 5: he really was upset. His name is Chris, and he
Speaker 5: has disabilities. He couldn't take care of his emotional support dog.
Speaker 5: He really, literally he said, could not take care of
Speaker 5: his dog. His friend took his emotional support dog, and
Speaker 5: he bought a mechanical dog, a Sony a bo aibo.
Speaker 5: It's a play on a Japanese word and also on
Speaker 5: AI artificial intelligence Sony a ball abo robotic dog. And
Speaker 5: it malfunctioned and he says he can't get them to
Speaker 5: do anything about it.
Speaker 4: He spent like three grand on this thing. I think.
Speaker 6: Yeah, with options, it came to about three and a
Speaker 6: half thousand dollars and.
Speaker 5: It's supposed to be a dog that learns, and I
Speaker 5: mean he really was looking forward to it. He gave
Speaker 5: it a name and everything. It was a sad in
Speaker 5: my opinion, a sad story.
Speaker 4: But anyway, a heartbreaking case. It back to Sony.
Speaker 5: Sony says, you know, there's nothing wrong with it that
Speaker 5: we can see, and this guy said, there's all kinds
Speaker 5: of things wrong with it, and he paid extra so
Speaker 5: the eye colors would change, and it's it's quite impressive
Speaker 5: online when you look at it. There's something on there
Speaker 5: that says it's sold as a final purchase and no refunds,
Speaker 5: which is weird for a Sony product, right. I think
Speaker 5: they're partnering with this Abo robot Dog. And in any case,
Speaker 5: even if there are no refunds, and even if purchases
Speaker 5: are final, for goodness sakes, you would think that they'd
Speaker 5: have some kind of warranty for it working.
Speaker 4: Were you able to get through to Sony.
Speaker 6: I spoke with not the primary contact, but someone who
Speaker 6: works with her and I you mean in the repair department, right, Yeah,
Speaker 6: you know I was. First of all, let me just
Speaker 6: give you a little bit of a background. The timeline
Speaker 6: is a lot more compressed than I thought. The Sony
Speaker 6: Dog shipped only on the seventeenth, and so he only
Speaker 6: got it about a month ago.
Speaker 4: So he got the whole thing a month ago. Yeah,
Speaker 4: and it didn't.
Speaker 5: He didn't seventeenth of October, September, September, okay, and then
Speaker 5: it went.
Speaker 4: Back to Sony on October fourth. So they've only had
Speaker 4: it twenty days. That's yeah, that's what it looks like.
Speaker 6: However, there is you know, twenty days doesn't sound unreasonable,
Speaker 6: but there is a big asterisk there. According to Chris,
Speaker 6: Natalie at the repair center told him that the entire
Speaker 6: body of the dog needs to be replaced.
Speaker 4: That has to come from Japan, and the whole body
Speaker 4: of the dog. Yeah, why not just replace the damn thing?
Speaker 6: Well, it's a really good question, Tom, This is why
Speaker 6: I called Sony. So she said it will take months
Speaker 6: to do that, and then she also, yeah, So Chris
Speaker 6: and I discussed what the two acceptable options would be.
Speaker 6: Of course, he's very very reasonable. He said, if they
Speaker 6: can't repair it or replace it, he would like to
Speaker 6: get a refund. Bush is a reasonable request, and if
Speaker 6: they can If they don't want to give him a refund,
Speaker 6: be okay with either a completely repaired dog, but you know,
Speaker 6: sooner rather, you know, than the months and months that
Speaker 6: Natalie thinks it will take, or just the complete replacement
Speaker 6: provided the dogs Well, the lady that I spoke with
Speaker 6: is going to pass my name and phone number to Natalie,
Speaker 6: who was busy she couldn't take my call just now.
Speaker 6: But you know, it was very easy to get to
Speaker 6: the Sony Electronics repair center, and it was very easy
Speaker 6: to get through to somebody who works with Natalie. So
Speaker 6: I'm optimistic that I'll be able to speak with her
Speaker 6: very you know during today's show.
Speaker 5: Good good, all right, three oh three seven one three
Speaker 5: talk seven one three eight two five five. I want
Speaker 5: to go to the phones and talk to Kirsten. Kirsten,
Speaker 5: what's going on? Hi, Kirsten, thank you so much for.
Speaker 7: Taking my call.
Speaker 4: What's happening?
Speaker 7: I have a new system in fall my repair that
Speaker 7: was sent to me through American home Shield. I'm an
Speaker 7: American home Shield clientt okay, So you.
Speaker 5: Got a brand new HVAC system that was and was
Speaker 5: it done as part of that warranty?
Speaker 7: Yes, I have a client of Americans. They had a
Speaker 7: special going where seventy five hundred dollars you could have
Speaker 7: a new HVAC system installed. So I had this done
Speaker 7: on March fourteenth of twenty twenty three, and then June.
Speaker 5: Third, we're having a little hold on Kirsten, you're kind
Speaker 5: of fading in and out a lot on your phone.
Speaker 5: I understand you had a new HVAC through American Home
Speaker 5: Shield March of twenty twenty three.
Speaker 4: But yeah, okay, that's a little better. So what's going
Speaker 4: on now?
Speaker 8: Okay, So.
Speaker 7: From my bathroom in my home, I had noticed that
Speaker 7: I was, you know, cleaning a lot, trying to get
Speaker 7: it cleaned up, but there was still a smell. And
Speaker 7: then on June seventh, right after I started running the
Speaker 7: air conditioner for the first time, the ceiling began leaking
Speaker 7: water from the ceiling. And then shortly after that we
Speaker 7: discovered there had been a water week because they did
Speaker 7: not fit the couplings together correctly when they installed the unit.
Speaker 5: But where's the water coming from? Air conditioning doesn't have
Speaker 5: water in it.
Speaker 7: It was coming from so the furnace and the coil
Speaker 7: are up in the attic of mycing so it goes
Speaker 7: up through the attic, and so the water was coming
Speaker 7: through the registers in the bathroom. So they we called
Speaker 7: CNR Repair out. They came out and they discovered they
Speaker 7: did not fit the couplings together correctly when they installed
Speaker 7: the unit. So they admitted fault. They admitted that they smelled,
Speaker 7: you know, something in the bathroom, and they filed a
Speaker 7: claim with their insurance, Acuity insurance.
Speaker 4: That's their insurance, not yours, right, Yes.
Speaker 7: Their insurance, because they accepted fault for this.
Speaker 2: So and then by.
Speaker 7: Let's see here. Then shortly after that, the AC units
Speaker 7: stopped working all together on June twenty first, and then
Speaker 7: there was a smell that began to just fill the
Speaker 7: entire home, this chemical smell, kind of a perfume smell.
Speaker 7: So I had them come out again, had city inspectors
Speaker 7: come out and stuff. They found there had been a
Speaker 7: refrigerant leak also in the unit, so we had them
Speaker 7: come out seeing our repair and they supposedly fixed the
Speaker 7: unit again, they did not pressure test it. They flooded it.
Speaker 7: They filled it with refrigerant a second time. So they
Speaker 7: flooded my home with refrigerants twice. I was out of
Speaker 7: my home for two months.
Speaker 5: They had two wait wait wait, you were out of
Speaker 5: your home because of this for two months?
Speaker 4: I was yes, well why two months?
Speaker 7: Because of the smell in the home. I had letters
Speaker 7: from my physician and then from my veterinarian. Because I
Speaker 7: have a golden retrieverse dating it was unsafe for us
Speaker 7: to be in the home because of these chemicals that were.
Speaker 2: In the home.
Speaker 5: Where does it stand right now? This was twenty twenty.
Speaker 7: Three, Yes, it is. It was twenty twenty three. So
Speaker 7: I was out of my home from the end of
Speaker 7: June until the beginning of September.
Speaker 4: While now, who paid for that?
Speaker 7: The insurance company does not want to reimburse me for
Speaker 7: my time out of my home because I stayed with
Speaker 7: my father.
Speaker 8: Who is you got to have a real that's why
Speaker 8: you got a haymark.
Speaker 4: I didn't know you were signed on.
Speaker 8: Yeah, but they're not going to reimburse you for something
Speaker 8: that was free. That's not how insurance works. If someone
Speaker 8: came over and fixed your kitchen, for example, for free,
Speaker 8: they're not going to reimburse you.
Speaker 9: Sure.
Speaker 5: Sure, So now now hold on, though, if you had
Speaker 5: extraordinary is because you were out of your home, there
Speaker 5: might be some reimbursement for some expense.
Speaker 8: I know generally there is, tom but she's saying she
Speaker 8: had zero.
Speaker 4: Hmmm.
Speaker 5: Is that what you're saying, Kirsen, You had no out
Speaker 5: of pocket?
Speaker 7: That is correct because my father was very kind and
Speaker 7: allowed me and my golden retriever to live with him
Speaker 7: during these two months. But I'm still trying to get
Speaker 7: continued mitigation on the home because they're still it's about
Speaker 7: ninety percent gone now, but every once in a while
Speaker 7: I will still catch it with of something. And my
Speaker 7: concern is.
Speaker 5: Been but is the HBAC system completely working now?
Speaker 4: Ye?
Speaker 10: It is.
Speaker 7: They came out and they he and our repair agreed
Speaker 7: to replace the air conditioners. So they replaced the air
Speaker 7: conditioner and the coil a second time because they had
Speaker 7: it had been running without refrigerant and that's like running
Speaker 7: a car without engine and the oil, you know, without
Speaker 7: oil and the engine. So they we got them to
Speaker 7: replace the air conditioner coil which is up in the
Speaker 7: attic a second time. So the unit is working.
Speaker 5: Okay, So the un is working. Our only issue right
Speaker 5: now is environmental?
Speaker 4: Is that right?
Speaker 5: It is?
Speaker 9: Yes.
Speaker 7: I'm trying to get the smell removed from my home
Speaker 7: so that I can sell the home for full market value.
Speaker 7: That's my concern. And the insurance company is it.
Speaker 4: Just smell or is it residual chemical?
Speaker 11: I don't know that.
Speaker 7: I don't know. I did have the mitigation company did
Speaker 7: do an initial round of chemical testing, and they said
Speaker 7: that there were low levels of volatile organic compounds in
Speaker 7: the home. But you know, low level is.
Speaker 9: Not no level.
Speaker 4: So okay.
Speaker 5: There is a company that I used to deal with
Speaker 5: many years ago that specialized in odors and in mitigation
Speaker 5: of chemicals and stuff like this called.
Speaker 12: Stink Ink stink Ink. Okay, I know it's crazy. Stink
Speaker 12: I n C stinkink dot com. Mark We ought to
Speaker 12: reach out to them again. They used to be on
Speaker 12: their refurless years ago.
Speaker 5: I think it's it looks like it's the same principles
Speaker 5: of this company they've extended go ahead.
Speaker 7: I was going to say. The situation right now is
Speaker 7: my mitigation company wants to bring in a second odor
Speaker 7: reloval company called Biosweep that they they will fully remove
Speaker 7: the odor. It's going to be about, you know, thirty
Speaker 7: five hundred dollars or so to have that done. The
Speaker 7: insurance company only wants to pay fifty percent of the
Speaker 7: mitigation on Now, why is that?
Speaker 5: Why Why do they feel they should only pay fifty percent.
Speaker 7: Because they feel like they've tried it one time before.
Speaker 7: They feel they well, that's tough, that's tough, exactly exactly exactly.
Speaker 8: Well, then you need to get a public adjuster or
Speaker 8: someone involved to fight your insurance company.
Speaker 5: Well it's not her insurance company she's fighting, it's their
Speaker 5: insurance company.
Speaker 8: Well, then she needs to sue them for the amount I.
Speaker 7: Need to sue the insurance company for the amount of that.
Speaker 5: Yeah, but you don't want to You don't want to
Speaker 5: sue anybody at this point. I understand. But that's what
Speaker 5: technically they're going to be responsible to you. I mean,
Speaker 5: that's a small claims court issue to that thirty five hundred.
Speaker 5: That's the good news is that is small claims. But first,
Speaker 5: let us have somebody take a stab at it. What
Speaker 5: do we have on today?
Speaker 4: What we've got?
Speaker 13: Deputy bow here a deputy.
Speaker 5: Dog Okay, Deputy bow especially Deputy bow In.
Speaker 10: This question for Kirsten.
Speaker 14: You know, before you do all of this, you might
Speaker 14: go and, uh, do you have the CA Do you
Speaker 14: have the ability to change the filter in the HVAC system.
Speaker 7: Yes, we've done that. We've done that several times.
Speaker 14: You might want to purchase a carbon filter, a carbon
Speaker 14: activated filter, carbon filters.
Speaker 5: Do you know what that that it could be in
Speaker 5: the filter of that system. They should probably have that
Speaker 5: HVAC system cleaned.
Speaker 14: Yes, like the oil in the refrigerant could be lingering
Speaker 14: in the ductwork, but I would vest in the reason
Speaker 14: both buy a carbon activated filter and then change it
Speaker 14: every week.
Speaker 8: And that may have it.
Speaker 5: But still I want you to call Bow to see
Speaker 5: if they can pay for some more mitigation.
Speaker 4: Okay, hang on check and Chris Kirson, We'll.
Speaker 5: Let you talk to Ball off their three all three
Speaker 5: seven one three talk seven one three a two five five.
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Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
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Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two. Hi Tom
Speaker 5: Martino here three oh three seven one three talks.
Speaker 4: It on three A two five to five. All right.
Speaker 5: We are solving problems, answering questions, taking complaints, making the
Speaker 5: life a little easier now on the text message who
Speaker 5: also somebody on seven four seven nine nine I fifty
Speaker 5: two any recommended public adjuster. Public adjusters don't fight for now. Now,
Speaker 5: there's nothing wrong with getting a public adjuster to find
Speaker 5: out what is wrong and what is involved, because a
Speaker 5: regular adjuster for the other party for their insurance probably
Speaker 5: won't be as inclusive as somebody you hire for yourself.
Speaker 5: But they don't fight the other insurance company for you
Speaker 5: because you don't have a contractual relationship. I guess they
Speaker 5: could negotiate for you technically, but there is no threat
Speaker 5: of trouble damages, there is no bad faith, there is
Speaker 5: nothing to go after them. That's it's just a regular
Speaker 5: lawsuit for loss, and you don't take it. You don't
Speaker 5: sue the other insurance company. You sue the other the
Speaker 5: party that did it, the installer. So in this case,
Speaker 5: while a public adjuster can offer a lot of useful information,
Speaker 5: a public adjuster probably is not the way to go
Speaker 5: for fighting that other company. You'd want to get an
Speaker 5: attorney and just suit for damages, and you would sue
Speaker 5: not the insurance company, but the person who caused the damages.
Speaker 5: Our number is regular number, the iHeart number three oh
Speaker 5: three seven one three talk three oh three seven one
Speaker 5: three eight two five five, and then of course you
Speaker 5: can always call three oh three Martino twenty four seven,
Speaker 5: three oh three six two seven.
Speaker 4: Eight four sixty six.
Speaker 5: So a deputy doc during the break, I think it
Speaker 5: was during the break, was asking the literacy rate for
Speaker 5: the number one state for literacy and you were surprised, Doc,
Speaker 5: it was North Dakota. Why that There's not many people there,
Speaker 5: so probably literacy per capita is pretty high. Right, what
Speaker 5: did do they have a list of their states and literacy?
Speaker 4: Where does Colorado go on that list? Do you have
Speaker 4: a list?
Speaker 10: I'm getting it. Hold on.
Speaker 4: Yeah.
Speaker 5: And then as far as states and cities, did you
Speaker 5: know I didn't know this that Colorado is ninety.
Speaker 4: Oh, that's pretty cool.
Speaker 15: Ninety President is ninety one, Utah's ninety one, Wyoming's ninety two.
Speaker 5: So is that so we're among the highest two then
Speaker 5: in the nation's for yeah, for sure?
Speaker 4: Okay, and that is ninety three. Also, Now as far
Speaker 4: as what's the worst state, let me look go to
Speaker 4: the bottom of the list there.
Speaker 10: California is seventy nine.
Speaker 4: Okay, it is not surprising, it's seventy nine. The lolo.
Speaker 8: Yes, it's got to be like, oh that is yep,
Speaker 8: that's lower than say, Kentucky.
Speaker 10: Kentucky is see, Mississippi is.
Speaker 15: Yeah, Mississippi, Louisiana, and Alabama all in the eighties.
Speaker 5: Wow, Okay, now the number what would you think the
Speaker 5: most expensive city is in the country?
Speaker 10: Uh, San Francisco or New York.
Speaker 4: It's Minneapolis. Really yeah.
Speaker 5: As far as they take the population, they take the
Speaker 5: average salary, the average home price, average monthly rent, average expenses,
Speaker 5: come up with a formula and this and and what's
Speaker 5: amazing is they come up with the number one, and
Speaker 5: that is Minneapolis. And I'm shocked at these, by the way.
Speaker 5: Number two, oh no, no, it's I'm sorry, Minneapolis is
Speaker 5: not the most expensive, but it's in the top twenty.
Speaker 4: I've started at twenty. Let me start at one though. One.
Speaker 5: You're right if you said New York, right, New York,
Speaker 5: it's the most expensive.
Speaker 4: I'm sorry. San Francisco would be next. I don't think
Speaker 4: anyone's surprised by that.
Speaker 5: Then Honolulu, Hawaii, so all of those I understand completely.
Speaker 5: Boston for sure, that's number four. And now that's yeah, okay,
Speaker 5: And number five most expensive is Washington, d C. Now
Speaker 5: what do these have in common? Can we say they
Speaker 5: are red or blue? New York City is one two,
Speaker 5: He's a blue.
Speaker 10: You'll be hot pressed to find it's not blue.
Speaker 5: Boston's blue. So the top So you're saying just the
Speaker 5: city five at Washington, d C?
Speaker 4: Is blue.
Speaker 5: So so far the top five most expensive cities. But
Speaker 5: is that a do you really believe?
Speaker 4: Yeah? I guess you're right that most cities are blue.
Speaker 5: San Diego, California is number six, Seven is Los Angeles
Speaker 5: the most expensive, Seattle, Washington is number eight eight. You
Speaker 5: know Sacramento, Sacramento is the ninth most expensive, the tenth
Speaker 5: of Chicago so far every single Now the eleventh is Miami.
Speaker 5: Would you call Miami blue or red?
Speaker 10: Well, I would say blue. What I did say that
Speaker 10: it'd be blue without knowing the details.
Speaker 4: Okay.
Speaker 5: And then Raleigh, North Carolina is the twelfth, and Denver
Speaker 5: comes in at thirteenth in the top twenty. Then we
Speaker 5: have Portland after US in number fourteen. Tampa is number fifteen,
Speaker 5: Philadelphia sixteen, Atlanta seventeen, and this is where eighteen is
Speaker 5: New Orleans. And then where Charlotte, North Carolina is nineteen
Speaker 5: and then twenty is Minneapolis. So when I said that
Speaker 5: was one, it's in the top twenty and it's twentieth.
Speaker 4: But that's amazing to me that.
Speaker 5: It is, uh that there's so many if they're so
Speaker 5: in other words, different parts of the country in the
Speaker 5: top twenty. And I'd like to know, and I don't
Speaker 5: have the stat here, what is the most economic place
Speaker 5: to live?
Speaker 4: Now? What Barry Miller was doing in.
Speaker 5: Vestera, by the way, is he was looking He looks
Speaker 5: at markets for rentals, because you know, he helps you
Speaker 5: get into that business. That's a long story, and he's
Speaker 5: a sponsor. But in any case, he looks at, you know,
Speaker 5: where is the best place and the best markets for
Speaker 5: appreciation of rentals where you also get the best home
Speaker 5: prices to buy and then you also get good rent prices.
Speaker 5: And he puts together that research in order to know
Speaker 5: where to buy rentals. So there are so many matrix
Speaker 5: now that you can use, so many different characteristics you
Speaker 5: can use for all kinds of investing or where to live,
Speaker 5: where to move, what to do, And it really is useful.
Speaker 5: I mean, the information we have at our fingertips, right
Speaker 5: now is amazing to me.
Speaker 4: And how you can make.
Speaker 5: Such wise decisions if you put the information to work.
Speaker 4: So many people do kneed your crap.
Speaker 5: My brother the other day was talking about buying rentals
Speaker 5: in He picked the Moine, Iowa. And I said, well,
Speaker 5: why did you pick the moy And he said why
Speaker 5: I was going on across country and it looked like
Speaker 5: a nice city and it looks like, you know, hard
Speaker 5: working people, and he thought that would be a good
Speaker 5: place for rentals. Again, a lot of people do things
Speaker 5: on a motion or gut. Other people use an actual
Speaker 5: matrix of elements three three seven.
Speaker 4: Well, go ahead.
Speaker 15: One thing you can never go wrong is buying a
Speaker 15: place in a college town. You know, if you look
Speaker 15: at Boulder or an aubor or any place where there's
Speaker 15: a major college.
Speaker 10: The rentals are of course yeah, printing money.
Speaker 5: But even though the rentals might be good, doc one
Speaker 5: of the things you got to keep in mind, and
Speaker 5: this is what Barry Miller taught me fs Terra Turnkey.
Speaker 4: Even though the rents might be high, the appreciation might
Speaker 4: be low, or the price you pay going in is.
Speaker 5: So high you're not going to make a lot of
Speaker 5: money on the rentals. Or stuff, or you know, or
Speaker 5: the mortgages. I mean, there's so many more dynamics.
Speaker 4: But you're right.
Speaker 5: The college towns will keep things rented, but you don't
Speaker 5: necessarily make a big return on your money. Now, speaking
Speaker 5: of real estate, Frank durand the real Estateman dot com
Speaker 5: will let you know what your.
Speaker 4: House will sell for.
Speaker 5: If you're looking to get out of the state, out
Speaker 5: of the city, or you just want to make a
Speaker 5: lateral move, they'll let you know what your house will
Speaker 5: sell for. And it's a free analysis because and there's
Speaker 5: no obligation to list, but so many people want information.
Speaker 5: First three oh three, nine two zero, sixteen twenty two,
Speaker 5: Frank durand the real estate Man dot com. Go with
Speaker 5: a sure thing, Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until your content on top
Speaker 4: of it.
Speaker 5: For an insurance checkup, free no obligation comparison call Compass
Speaker 5: Insurance paying too much your coverage at dozens of insurance
Speaker 5: companies find out now three oh three seven seven one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martino here, Welcome to the show.
Speaker 5: Three O three seven one three talk three oh three
Speaker 5: seven one three eight two five five.
Speaker 4: Gary's on the phone.
Speaker 5: Hello Gary, what can we do for you? What's happening?
Speaker 2: Sir?
Speaker 10: Hey Tom?
Speaker 16: Last November I had to find a new urologist. I
Speaker 16: picked Pike Speak your Logical Associates from Colorado Springs. At
Speaker 16: the time, I was cash pay. I called them and
Speaker 16: asked them what the see was. They said two hundred
Speaker 16: and thirty five dollars plus anything extra they had to do,
Speaker 16: like ultrasound to see if your bladder's MTN out.
Speaker 5: Now now hold on, now, Now you are originally needed
Speaker 5: to pick a urologist or urology practice. For what reason?
Speaker 5: Do you have ongoing problems? Gary, and your previous one's gone?
Speaker 5: Or explain that to me?
Speaker 16: Yeah, yeah, the previous urological doctor he moved out of state,
Speaker 16: practice closed. I get treated for an enlarged prostate.
Speaker 4: So yeah, yeah, okay.
Speaker 5: Now, now obviously, obviously it must be a little complicated
Speaker 5: because normally that's not a real that's you don't necessarily
Speaker 5: need to go to a specialist for that for BPH.
Speaker 4: If that's what you have, if it's benign prostate.
Speaker 10: It depends on what his PSA is.
Speaker 4: Tom Yeah, what what? But Gary? What was your I'm
Speaker 4: just now there's reasons.
Speaker 5: I'm asking this, by the way, because I think this
Speaker 5: is going into insurance.
Speaker 4: But what is your PSA?
Speaker 10: It was eight?
Speaker 4: It was what.
Speaker 2: Eight?
Speaker 5: Wait a minute, it's a like in one, two, three, four,
Speaker 5: five six?
Speaker 16: Jeesus outs eight oh and I take two prescriptions.
Speaker 5: By the way, Gary, you know, I want to ask
Speaker 5: the obvious. You were tested for prostate cancer, right, correct?
Speaker 10: I have BOPS.
Speaker 16: He's done on the prostate nearraw negative.
Speaker 5: Really, hey, Doc, have you ever heard of that hive
Speaker 5: a PSA without cancer?
Speaker 2: Is?
Speaker 4: Doc?
Speaker 10: He just dropped didn't have prostates?
Speaker 9: Yeah?
Speaker 10: I know, but you know, I know, I'm just kidding.
Speaker 4: Doc. You know about it? I mean, have you ever No?
Speaker 2: I have not.
Speaker 5: Okay, Now, Gary, like I said, okay, so you picked
Speaker 5: this place Pike's Peak, and and what went wrong?
Speaker 4: I mean, what's the problem.
Speaker 16: Well, they told me the the office visit was two
Speaker 16: thirty five plus any of the little extra.
Speaker 4: It's like, now, why are you self pay well at.
Speaker 16: The time, I didn't have any healthings, okay age, But
Speaker 16: so then I get a bill for three hundred and
Speaker 16: sixty five dollars plus the little extra charges, and I
Speaker 16: call and tell them that they built me wrong because
Speaker 16: I paid the cash when I had the.
Speaker 5: Office visit, and they're supposed to let you know all
Speaker 5: charges when you asked.
Speaker 4: You know, Mark has a real problem with this with
Speaker 4: this law because, like you said.
Speaker 5: Mark, explained your issue with this because we always talk
Speaker 5: about this law.
Speaker 8: Well, I'm talking more or less about hospitals and emergency rooms.
Speaker 8: Though they passed a rule or a law that says
Speaker 8: they have to post prices. The problem is if they don't,
Speaker 8: there's nothing that happens. There's absolutely no ramifications to breaking
Speaker 8: the law.
Speaker 5: Now, Mark, I also believe that law is incumbent upon
Speaker 5: private clinics as well just regular health care facility. And
Speaker 5: I'm not sure they have to just post it conspicuously
Speaker 5: or is it something people ask about.
Speaker 4: We should get someone to explain that once and for all.
Speaker 5: But in any case, so Gary, they said two fifty
Speaker 5: five and your bill was over four hundred now two
Speaker 5: five two thirty five?
Speaker 16: Sorry, Well may I paid that at the time. I
Speaker 16: had the office visit, and then the next month I
Speaker 16: get a bill for three sixty five plus the extras,
Speaker 16: and I paid the extras, but I didn't pay this.
Speaker 4: How much were the extras?
Speaker 16: It was like forty five dollars something long?
Speaker 5: Okay, So why did they go from two thirty five
Speaker 5: to three sixty five?
Speaker 16: They just tell me that's the charge? And I talked
Speaker 16: to billing every month for about eight months. They said
Speaker 16: they would correct it.
Speaker 4: They don't now, no, no way, do you have proof?
Speaker 4: Hold on? Hold on?
Speaker 5: Why did someone tell you to thirty five? If it
Speaker 5: was three sixty five? If they said that's the price,
Speaker 5: then who misquoted you?
Speaker 15: There would have.
Speaker 16: Been the people in the medical office.
Speaker 4: Do any of them admit that they they did that? Well?
Speaker 16: When I call the office to talk.
Speaker 4: Hold on, I got hold on.
Speaker 5: Let me give you a little more time and let
Speaker 5: me take this break. I got more coming up. I
Speaker 5: want to find out about this. Everyone should be concerned
Speaker 5: about clinics because it happens all the time. Go with
Speaker 5: a sure thing Denver's Best roofer excel roofing dot com.
Speaker 4: You don't pay a.
Speaker 5: Cent until you're content. Please time for an insurance check up?
Speaker 5: Free no obligation comparison call Compass Insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three oh three seven seven to one help. You'll think
Speaker 5: you're his only customer when you choose Frank durand the
Speaker 5: real estate Man dot com to list your home with
Speaker 5: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 5: Hi Tom Artino here three three even won three talks
Speaker 5: seven one three eighty five five. Okay, so Gary, you
Speaker 5: know it seems like a simple matter. You were quoted
Speaker 5: two thirty five. They charged you three sixty five for
Speaker 5: an office visit. But will they admit that they gave
Speaker 5: you the wrong price or do you have it in
Speaker 5: an email or somewhere you can show them, because if
Speaker 5: we call them, they'll simply say.
Speaker 4: Three sixty five is our price.
Speaker 16: Oh I've called several times. They tell me, yeah, you're
Speaker 16: right two thirty five. We'll update your billing. And then
Speaker 16: the next month I get a bill with the three
Speaker 16: sixty five.
Speaker 5: I call billings, Well, why would you get the three
Speaker 5: sixty five if you've already paid the two thirty five.
Speaker 16: Well, it shows three sixty five and a credit to
Speaker 16: two thirty five.
Speaker 4: So it's a ballots due. Okay, got it? Got it?
Speaker 5: So okay when you call, when you call, they keep
Speaker 5: just billing you the same amount.
Speaker 16: Yeah, they said, oh yeah, you're right, we'll correct it,
Speaker 16: and then it doesn't get correct.
Speaker 5: But I want to ask you something straight up. If
Speaker 5: I went in there today for a for a and
Speaker 5: I went in there for something visit, would it be
Speaker 5: three sixty five?
Speaker 2: I don't know.
Speaker 16: I haven't I haven't called anonymous plea or anything and
Speaker 16: ass but you know this was last November. It we're
Speaker 16: almost a year later.
Speaker 5: And and doctor Billy, Yeah, okay, did they say.
Speaker 4: Yeah, we'll correct it now, Well we can call for you.
Speaker 5: The problem is going to be the same old crap
Speaker 5: with the medical stuff. It's well, I know, but he
Speaker 5: can sign something saying they can talk to us. But
Speaker 5: let's see if we can come up with some suggestions
Speaker 5: for him. Meanwhile, people give us a call three all
Speaker 5: three seven one three talk seven one three eight two
Speaker 5: five five go with a sure thing Denver's Best roofer
Speaker 5: excel roofing dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation in comparison,
Speaker 5: call Compass insurance paying too much your coverage at dozens
Speaker 5: of insurance companies. Find out now three all three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate man dot
Speaker 5: com to list your home with Remax Alliance three all
Speaker 5: three nine two zero sixteen twenty two.
Speaker 1: Yeah, ripped up. You need that so you don't have.
Speaker 2: Run anxious stas as you can show.
Speaker 3: Shooter's gonna help.
Speaker 17: Come man, this is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 5: Tom Martino here, Welcome to the show. Three all three
Speaker 5: seven one three talk seven one three eight two five five.
Speaker 5: We're here helping you to solve your problems. Answers your questions,
Speaker 5: take your complaints. And one thing that came up about
Speaker 5: medical clinics, they're supposed to show pricing.
Speaker 4: I don't know any of that are I don't know
Speaker 4: any of that are They're.
Speaker 5: Supposed to show pricing, and if they don't, nothing happens.
Speaker 5: This guy was told an office visit was going to
Speaker 5: be two sixty five.
Speaker 4: He was built three sixty five.
Speaker 15: Well, Tom, you know there's probably a legal distinction between
Speaker 15: a clinic and a private practice.
Speaker 4: So you know, when you're talking about how do you
Speaker 4: figure that?
Speaker 10: Well, because when I was what is the law called?
Speaker 4: By the way, I want to look it up. What
Speaker 4: is this law called?
Speaker 10: I don't know of hand, but there's a big difference
Speaker 10: between it's a private practice.
Speaker 4: The name of that laws.
Speaker 15: What's that for, doc, There's a difference between a clinic
Speaker 15: and a private practice.
Speaker 10: So I'm not sure what to take.
Speaker 4: I mean, the law would be why would they get away? Okay,
Speaker 4: I I don't know if I agree with that.
Speaker 5: I mean, obviously, you know, there might be a difference
Speaker 5: in business structure and stuff.
Speaker 8: But if they're I'm already sure it's just hospitals what
Speaker 8: you're referring to really market.
Speaker 10: That much as I hate to admit it, Well, I
Speaker 10: don't know.
Speaker 5: I mean, I don't know anything about the law really.
Speaker 5: I haven't really made myself aware of it, and I
Speaker 5: don't know.
Speaker 6: Okay, it's called Colorado's Hospital Price Transparency.
Speaker 4: It's only hospital price.
Speaker 6: It's called Yeah, I'm gonna download the entire body of
Speaker 6: law and okay.
Speaker 4: Then that that explains it.
Speaker 5: So Mark, Yeah, it seems to be just medical You know,
Speaker 5: like hospitals. Gary, Well, we'll research it again. Doc had
Speaker 5: some advice for you, though, DOC says, ignore it. What
Speaker 5: are they going to do, Gary, They don't sue anymore,
Speaker 5: They can't ding your credit for it.
Speaker 4: What are they gonna do? You know?
Speaker 16: I just wondered if it was going to go on
Speaker 16: the credit report.
Speaker 4: They don't do it anymore. Well, they don't do it anymore.
Speaker 8: Well, I'm not so sure about that, but they can
Speaker 8: turn it over to collections. Of course. I don't know
Speaker 8: how the reporting works right now, but I think after
Speaker 8: a year they can go ahead and report it on
Speaker 8: your credit. But they would still have to take you
Speaker 8: to court and actually get the judgment.
Speaker 5: Yeah.
Speaker 16: I would be prepared to go to court.
Speaker 4: Yeah, I don't think they Yeah, how are you going
Speaker 4: to prove it?
Speaker 8: Well, it's one hundred and twenty eight bucks. I don't
Speaker 8: think anybody's gonna waste their time bringing them to court
Speaker 8: for one hundred and twenty eight bucks.
Speaker 4: That's what I mean.
Speaker 15: Yeah, that's why I think you're ignoring it and just
Speaker 15: going on with your life yet about it?
Speaker 5: Okay, And as of jet, there's a law here that
Speaker 5: went into effect in twenty twenty three, that the credit
Speaker 5: bureaus have a one year grace period for unpaid bills
Speaker 5: before they hit on your credit report, so they can
Speaker 5: and still report it, but they have to wait one
Speaker 5: full year, and then small medical debts are excluded.
Speaker 4: As of March twenty twenty.
Speaker 5: Three, the credit bureaus will not report debts under five
Speaker 5: hundred dollars. Huh, huh, okay, okay, and then basically oh
Speaker 5: also when a medical debt can still appear on your
Speaker 5: report after one year and more than five hundred dollars, however,
Speaker 5: they do not give weight to them on your credit report.
Speaker 5: So they've really taken the sting out of medical bills. Okay,
Speaker 5: and if you pay it, and if you do pay it,
Speaker 5: it doesn't ever show up, not as a pass do
Speaker 5: that's satisfied nothing, So they can appear they have to
Speaker 5: be under they they they're not.
Speaker 4: They have to be over five hundred. They have to
Speaker 4: wait a year and then.
Speaker 5: Paid collections, every bit of it's removed and then there's
Speaker 5: no debt. There's no weight given to them for your
Speaker 5: credit score. So I don't see a consequence here, bro,
Speaker 5: I don't let us know what happens. I mean, truly
Speaker 5: there's not much you can do. Three oh three seven
Speaker 5: one three talk seven one three eight two five five. Carolyn,
Speaker 5: Welcome to the show. I'm Tom Martine. What's going on, Carolyn?
Speaker 9: Well, we finally are finished with the b dishwasher issue.
Speaker 4: How long ago did you call, Carolyn?
Speaker 14: It was July nineteenth, Tom at one July.
Speaker 4: Did you handle it?
Speaker 18: Bo?
Speaker 14: Yes, Mark was the host. It was a long time ago.
Speaker 14: But go ahead, Carolyn with the story. It came out
Speaker 14: to be a success.
Speaker 9: The whole thing started on April twenty seconds when we
Speaker 9: purchased a Bosh dishwasher through Lows and we had it
Speaker 9: installed and it didn't work. The soap dish would not open.
Speaker 9: So we called Loads. They said, you have to deal
Speaker 9: with Bosh. We called Bosh, they said, okay, we'll send
Speaker 9: out three d who are their repair people here in
Speaker 9: Colorado Springs. I have a summary of what happened after that.
Speaker 9: Between the very first week in May when I called Bosh,
Speaker 9: I have had fifteen phone calls with D three, eighteen emails,
Speaker 9: and twenty four texts. They also visited the house on
Speaker 9: eight different occasions and replaced eight different parts on two
Speaker 9: different occasions, one in July and one in September, their
Speaker 9: technicians called the repairman from D three. This has to
Speaker 9: be returned. It cannot be fixed. And finally, oh, in
Speaker 9: addition to all of that with Bosh themselves, I had
Speaker 9: eighteen phone calls and twenty four email interactions with them,
Speaker 9: and I documented every one of those as to what
Speaker 9: happened during that call. You certainly don't want to hear
Speaker 9: all the details.
Speaker 4: No, So where did it end up?
Speaker 2: Then?
Speaker 4: What do you have right now?
Speaker 9: Well, finally there was no surprise when the refund came
Speaker 9: through to Low's and all kinds of paperwork problems gave up.
Speaker 4: Where's the dishwasher?
Speaker 9: It left my house last week and it went back
Speaker 9: to Low's. And Low's has given me credit on my
Speaker 9: credit card so that I can buy anything I want
Speaker 9: from anyone I want, and I credit BO with the
Speaker 9: calls that he made to the media department. He and
Speaker 9: I both stayed on top of this throughout the fire
Speaker 9: summer and commiserated with each other about our lack of progress.
Speaker 9: But we finally did it. Bo, It finally happened. Good
Speaker 9: wearing me down. I think they just wanted to wear
Speaker 9: me down.
Speaker 14: But they wanted to wear me down, Carolina, We've got success.
Speaker 10: I'm very happy. It took a long yeah.
Speaker 5: Yeah, And you know, thanks Bo for giving your direction
Speaker 5: on that. And I like it because I need to
Speaker 5: use my dinger every once in a while.
Speaker 4: If you don't, you.
Speaker 5: Can lose it. Hey, Carolyn, thank you very much for
Speaker 5: letting us know. Seriously, a lot of people don't let
Speaker 5: us know when things work out, and we love hearing it.
Speaker 9: Well, I'd like to tell you something. One statement I
Speaker 9: just want to make. I really do believe that Bosh
Speaker 9: makes good products, but everybody in manufacturing makes a bad
Speaker 9: one once in a while. Yes, that is excusable. The
Speaker 9: fact that their customer's service was incredible and very difficult
Speaker 9: to deal with is not excusable. And I continue to
Speaker 9: get emails from them, what guy, what got one last
Speaker 9: week where the customer services We're so sorry you're to
Speaker 9: have these problems with the dishwasher. Have you tried to
Speaker 9: clean the soap dish? Maybe some food particles are caught
Speaker 9: in it, or maybe the whole thing was installed wrong
Speaker 9: and that's why the dryer isn't working. Dryer was never
Speaker 9: an issue and that never ran, so there are no
Speaker 9: food particles in the thing. Their customer service department has
Speaker 9: no internal communication obviously, and this morning they sent me
Speaker 9: a thing offering me some more guaranteed extended warranty on
Speaker 9: the product that left the house a week ago.
Speaker 4: Yeah, that's all automated crap.
Speaker 9: Yeah, it's all and none of it is coordinated and
Speaker 9: none of it is designed to make the customer happy
Speaker 9: at all.
Speaker 4: Well that's the that's the way of the world right now.
Speaker 5: It is very difficult to get satisfaction. You know who
Speaker 5: I feel has some of the best customer service in
Speaker 5: the world in the world is Amazon. It's amazing to me.
Speaker 5: You can go through the drill down for the help
Speaker 5: menu and then they'll call you. They'll call you, and
Speaker 5: you'll get a call within minutes, and they listen and
Speaker 5: they take care of it. I mean, it's amazing to
Speaker 5: me how good they are, even when you don't have
Speaker 5: a prime or approved a seller. If they're on Amazon,
Speaker 5: they really help. And then I think Google also has
Speaker 5: great customer service. And these are companies you would expect
Speaker 5: they do not have good service. The worst service in
Speaker 5: my opinion, as far as big conglomerates and online would
Speaker 5: be eBay terrible. And however, a lot of people have
Speaker 5: talked about Frontier not having good service.
Speaker 4: They did away with their phone support.
Speaker 5: But I'm going to tell you something, man, I actually
Speaker 5: went through the headache of the texting and then I
Speaker 5: actually got an agent on the text and they actually helped,
Speaker 5: really did so it worked. I think many times we
Speaker 5: get frustrated because some of us are want the old
Speaker 5: fashioned way. We just wanted to call and talk to
Speaker 5: someone who we can understand and that can understand us.
Speaker 5: I mean, I swear to God. Sometimes I don't mind
Speaker 5: foreign accents. I don't mind people in other countries doing it,
Speaker 5: but when you can't even understand them and you have
Speaker 5: to case saying huh huh.
Speaker 4: You know.
Speaker 15: I'll give a shout out to a local company, tom
Speaker 15: Sure Discount Tire.
Speaker 10: I've been using them for like thirty years. So I
Speaker 10: had a.
Speaker 15: Blowout on one of my tires. I brought it in
Speaker 15: I had to buy a new tire. Then the other
Speaker 15: day I ran over a key. Believe it or not,
Speaker 15: a key caused a flat tire. So I brought over
Speaker 15: to Discount again and I said, and they said, do
Speaker 15: you want to buy the same tire, same coundtry you
Speaker 15: did last time? And I said, yeah, and I thought
Speaker 15: I had blown out my front tire. Apparently the key
Speaker 15: was in the same tire that had a blowout, and
Speaker 15: they told me, you know what, you don't have to
Speaker 15: pay for the tire you had. Insurance will take care
Speaker 15: of it and all. And I didn't know they could
Speaker 15: have charged me for the new tire, and I never
Speaker 15: would have known the difference.
Speaker 4: That's pretty nice. That's cool.
Speaker 5: Three oh three seven one three eight two five five
Speaker 5: more coman write up. Go with a sure thing Denver's
Speaker 5: Best Roofer Excel Roofing dot com. You don't pay a
Speaker 5: cent until you're contenth time for an insurance check up
Speaker 5: free no obligation comparison call Compass Insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three oh three seven to seven to one help. You'll
Speaker 5: think you're his only customer when you choose Frank Durand
Speaker 5: the real estate Man dot com to list your home
Speaker 5: with Remax Alliance three oh three nine two zero sixteen
Speaker 5: twenty two. Now, Hey Tom Martino here, Welcome to the show.
Speaker 5: Ross has a comment on discount tire. Ross go ahead,
Speaker 5: what is your comment on discount tire.
Speaker 19: Well, I know Doc had a good experience, but I
Speaker 19: don't think all discount tires are created equal. I was
Speaker 19: there a couple of weeks ago for an inspection on
Speaker 19: my tires. I had appointment, I got there, I had
Speaker 19: to wait an hour before they looked at the tires.
Speaker 19: And when they looked at the tires, they thought they
Speaker 19: were probably the original tires based on the age of
Speaker 19: that was printed on the tire. And so when I
Speaker 19: got home, I looked at the tires and looked at
Speaker 19: the date code, and they thought it was two thousand
Speaker 19: and nine, same year as a car. I actually we're
Speaker 19: twenty fourteen. They were big O tires, and I don't
Speaker 19: think Hanna puts big O tires on their car when
Speaker 19: they're new.
Speaker 8: How did you read the dot number? How did you
Speaker 8: read the date?
Speaker 19: Well, it's the sixteenth, sixteenth week of the year, so
Speaker 19: it was sixteen fourteen.
Speaker 4: Okay, So what does that mean to what does that mean?
Speaker 5: As far as Mark you were asking about that, do
Speaker 5: people often really I.
Speaker 8: Didn't know if he was reading it properly.
Speaker 4: That's it? Okay. So what's the issue right now that
Speaker 4: I mean, is there anything we can help with us?
Speaker 4: It's just you just want to give feedback.
Speaker 19: It's just feedback. It's just I'd be concerned that they
Speaker 19: think they're the original tires on the car when they're
Speaker 19: big OD tires. And second of all, they're off on
Speaker 19: the date by five years.
Speaker 8: Yeah, which is kind of strange. I mean, if you
Speaker 8: work at a tire story, you should be able to wain.
Speaker 15: I will amend my my shout out to the one
Speaker 15: on Isleif and Havana.
Speaker 8: Well, I think in general they're pretty I.
Speaker 15: Think, yeah, we just got a one of our YouTube
Speaker 15: people saying the same thing that they're great.
Speaker 5: Well, I've always had I've always had a good experience.
Speaker 5: One thing I did know, and I don't normally do this,
Speaker 5: but that I never used to buy that extra road
Speaker 5: hazard thing. But man, do they not even question it,
Speaker 5: not for a second. When you when you buy that
Speaker 5: road hazard and anything happens to that tire that can't
Speaker 5: be repaired, they they come right up absolutely. I mean,
Speaker 5: so yeah, I think they're pretty cool, Thank you very much.
Speaker 5: Three oh three seven one three talk seven one three
Speaker 5: eight two five five. So somebody wants to know on text,
Speaker 5: how does Barry Miller at Vestera pick the hot Marcus. Well,
Speaker 5: I mean that's part of his that's part of his shtick, man,
Speaker 5: that's how he you know, was part of the magic sauce,
Speaker 5: I guess.
Speaker 4: I mean, it's just basic research.
Speaker 5: I don't know all of the factors that go into it,
Speaker 5: but that's one of the things he prides himself in,
Speaker 5: is identifying properties that appreciate quickly and turn positive cash flow.
Speaker 5: I would imagine it's just good old basic economic research.
Speaker 5: And I was shocked to know that there still are
Speaker 5: markets like that where you can get beautiful homes.
Speaker 4: For you know, two eighty five to three point fifty.
Speaker 5: Yeah, beautiful homes, and that's where he targets them.
Speaker 4: And there are a lot of people who take.
Speaker 5: Place in this program that absolutely love it, you know,
Speaker 5: and and they it because it's like the benefit without
Speaker 5: the hassle. So in answer to your question, I don't
Speaker 5: really know how in fact he does his research, but
Speaker 5: I trust him enough that when he says he highly
Speaker 5: researches him and he has a bunch of satisfied customers
Speaker 5: we've talked to that, Yeah, he does that. Now, speaking
Speaker 5: of that, somebody else had asked the other day how
Speaker 5: he makes his money and it's a model that I
Speaker 5: fully don't understand, meaning I don't think he makes enough money.
Speaker 4: And I mean that.
Speaker 5: They mark the way Vestera Turnkey makes their money is
Speaker 5: they get you as a customer and they help you
Speaker 5: buy that house. They make that commission there, and then
Speaker 5: they help you sell it and they make a commission there.
Speaker 5: In between the one and a half to maybe two
Speaker 5: and a half years. You keep it that in between time,
Speaker 5: they're not taking any money from you. The management fee
Speaker 5: is a complete pass through. They don't mark that up
Speaker 5: at all, and there are no hourly fees or no
Speaker 5: other fees.
Speaker 4: That's it.
Speaker 5: So you pay your management company what you normally would do,
Speaker 5: and they negotiated that down I believe, to eight percent
Speaker 5: and half of the first month's r in. And then
Speaker 5: as far as Vestera Turnkey, they're simply doing it for
Speaker 5: the commission they earn. And man, I mean, the model's
Speaker 5: been working for them, and except for a small time
Speaker 5: during COVID, they've been going strong, I think.
Speaker 4: You said for about eight years.
Speaker 5: So if anyone else has any question, you give me
Speaker 5: a call. You can always call him too. Three h
Speaker 5: three seven to one three eight two five five And okay,
Speaker 5: I just answered that, do you happen to know what?
Speaker 5: Barry Miller charged that? That came just when I was
Speaker 5: so orge. I hope you heard what I just talked about.
Speaker 5: And uh, anyway, so somebody said something. There was something
Speaker 5: else we were discussing. Someone wanted to chime in on
Speaker 5: American home Shield. They did not realize that American home
Speaker 5: Shield emails people for deals. See. I didn't realize it either,
Speaker 5: and then I looked it up after that call. Kirsten
Speaker 5: had called and said she bought a new HVAC system
Speaker 5: through American home Shield. Well she really didn't buy it
Speaker 5: through them, although she kind of did. American home Shield
Speaker 5: does this warranty which I don't recommend, and they sell
Speaker 5: this warranty a lot through real estate people and through
Speaker 5: and a new home buyer network.
Speaker 4: I guess they.
Speaker 5: Get the recorded docs and they know when you buy
Speaker 5: a house and they offer you this warranty. I don't
Speaker 5: want to get into home warranties right now. I just
Speaker 5: don't believe in them. And there's a slow reasons why.
Speaker 5: But once they have this database of homeowners, they're figuring,
Speaker 5: what the hell you know?
Speaker 4: We know how old their systems are.
Speaker 5: We know how what systems they have in their homes,
Speaker 5: and why don't we email people and offer upgrades.
Speaker 4: So she was offered some.
Speaker 5: Kind of what she thought was a special deal on
Speaker 5: the HVAC and had it replaced. Now she had problems
Speaker 5: after that, and American Shield wasn't even part of it.
Speaker 4: It was the vendor they sent.
Speaker 5: But I imagine American home Shield probably keeps a list
Speaker 5: of approved vendors and advertises specials for them to their
Speaker 5: client base and makes a spread on that. I think
Speaker 5: it's clever marketing, but again, there's no guarantee when you
Speaker 5: do that. I mean, obviously American home Shield isn't selling
Speaker 5: that to you, just like when home Depot recommends people
Speaker 5: to you. And I'm not saying they should, by the way,
Speaker 5: but home depots sometimes, in my opinion, gives the illusion
Speaker 5: that you're hiring home Depot and you're not. And I
Speaker 5: don't like it. That's the part I don't like. So
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Speaker 5: You don't pay a cent until you're content. Time for
Speaker 5: an insurance check up free, no obligation. In comparison, call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three oh three seven seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 5: troubleshooter three O three seven one three talk seven one
Speaker 5: three eight two five five. All right, we have a
Speaker 5: texting going on that you can text me five seven
Speaker 5: seven three nine. You can also text me my private
Speaker 5: Google number seven four seven nine nine nine fifty two
Speaker 5: eighty and uh, we'd love to help you.
Speaker 4: We have one here, say Tom.
Speaker 5: When I went to the doctor just recently, I signed
Speaker 5: something called no surprise billing.
Speaker 4: Is that what you're talking about? No, it's not.
Speaker 5: That's different, but it's kind of in the same genre
Speaker 5: the surprise billing. I love because we used to get
Speaker 5: this problem a lot. Think about this scenario. You go
Speaker 5: to urgent care or an emergency room. Mostly it happened
Speaker 5: with emergency rooms, or even sometimes when you had surgery.
Speaker 5: Right now, all of a sudden, you get a bill
Speaker 5: from outside.
Speaker 4: Your network and you ow way more than you thought.
Speaker 5: You had a small copey with your network. The anesthesiologist says,
Speaker 5: we weren't in that network. We don't have to take that.
Speaker 5: Or you're at the emergency room and a radiologist reads
Speaker 5: your X ray. The radiology associates were not part of
Speaker 5: your network, but the hospital was blah blah blah.
Speaker 4: It happened all the time.
Speaker 5: And what would happen is consumers who had small copays
Speaker 5: would end up paying a lot or being billed for
Speaker 5: a lot of money. So this and this is a
Speaker 5: really good thing, this no surprise billing. It's an actual
Speaker 5: federal law, and it says it protects patients from unexpected
Speaker 5: or surprised medical bills, hence the name.
Speaker 4: Now here's how it works.
Speaker 5: If you receive care from out of network providers, but
Speaker 5: you're at an you start out with a provider that
Speaker 5: is in your network, they can't charge you they're out
Speaker 5: of network rates anymore.
Speaker 4: They have to take whatever your plan offers. So now
Speaker 4: the surprise is on them. You see, it's up to then.
Speaker 5: I mean, after all, come on, you're in an emergency
Speaker 5: room and you need X rays. How many people are
Speaker 5: going to say, wait a minute, doc, who's going to
Speaker 5: read those X rays?
Speaker 4: Are they in my Are they in my plan? You know?
Speaker 5: So a surprise medical bill used to occur when you
Speaker 5: receive this out of network care and then you're build
Speaker 5: at two different rates. It'll it happened with surgeries and
Speaker 5: emergency rooms, sometimes at urgent care.
Speaker 4: Now here's what has changed. Oh, by the.
Speaker 5: Way it used to happen.
Speaker 4: It happened with air ambulances a lot. Oh my goodness.
Speaker 5: Anyway, So what medical providers have you signed is something
Speaker 5: called no Surprises a disclosure, And what it does is
Speaker 5: it lets you know what your protections are that you
Speaker 5: shouldn't be charged any more than your normal in network
Speaker 5: rate for all of the services. Now, if you knowingly
Speaker 5: want to receive care from an out of network provider knowingly,
Speaker 5: that's different. Let's say you're in emergency room for a
Speaker 5: dog bite and you want a specific plastic surgeon to
Speaker 5: look at that or to consult with.
Speaker 4: Different you're requesting that.
Speaker 5: So anyway, balance billing limits in network, cost sharing, that's it,
Speaker 5: in network, deductible or copay, that's all the same, no
Speaker 5: more surprises.
Speaker 4: I like that. I really do like that.
Speaker 5: That is something I believe helps consumers tremendously because we
Speaker 5: used to get that call all the time.
Speaker 4: So thank you for bringing.
Speaker 5: That up, Texter and ballance bill. Tom, that's another thing.
Speaker 5: You're right, a balance bill. Explain what that is, Doc.
Speaker 15: Well, let's say I did a delivery on a patient
Speaker 15: and I got let's say one thousand dollars and the
Speaker 15: insurance company paid me eight hundred. I could not if
Speaker 15: I was in that plan, I could not build a
Speaker 15: patient for the extra two.
Speaker 4: Hundred, right, that's right. Once you're in a.
Speaker 10: Plan, you have to accept what that company is going
Speaker 10: to give you.
Speaker 4: That's right. With the no surprise billing.
Speaker 5: If you treat someone who entered into a network facility
Speaker 5: and you're outside the network, the same thing, So you
Speaker 5: can't balance bill for the difference. You have to take
Speaker 5: that approved amount that they pay. And that's a whole
Speaker 5: different topic when you talked about when you talk about
Speaker 5: approved amounts insure. As I've said this before, Okay, I
Speaker 5: truly believe the health insurance industry is evil.
Speaker 4: Okay, that's just my own personal thought.
Speaker 5: I think there's a need for some kind of care,
Speaker 5: but I don't like the current model. And although it's
Speaker 5: getting better with the no surprise billing and that kind
Speaker 5: of stuff. When I say I think they're evil, they
Speaker 5: actually changed medicine forever.
Speaker 4: Originally it was normal insurance.
Speaker 5: They aggregated the cost over a large network of people,
Speaker 5: and some are high risks, some are low risk. But
Speaker 5: because of the aggregated amount, they were able to cover
Speaker 5: bills here and there and still make money. But then
Speaker 5: they said, wait a minute, we're not making enough money.
Speaker 5: This is a true story, true how it happens. So
Speaker 5: they said, we're not making enough money. So what we
Speaker 5: have to do is then we're not only going to
Speaker 5: charge premiums and invest those premiums and pay the bills.
Speaker 5: But now we're going to tell the doctors how to
Speaker 5: do it. And that's called managed care, meaning you can't
Speaker 5: do this unless you get our permission. We want to
Speaker 5: make sure it's medically necessary and it's not experimental.
Speaker 4: The next thing they said is and not only.
Speaker 5: That, but now we're also going to tell you how
Speaker 5: much it should cost. So they come into a doc's office,
Speaker 5: like doc, deputy doc who was doing you know, his
Speaker 5: thing for years and years and years, delivering babies, taking
Speaker 5: care of women, taking care of babies, and all of
Speaker 5: a sudden they say, well, deputy doc, if you want
Speaker 5: us to pay for your patient, and if they come
Speaker 5: in with our insurance, we're not going to pay you
Speaker 5: this much money to deliver a baby anymore. We're going
Speaker 5: to pay you this much. Like it or leave it.
Speaker 5: And then they would they would have all kinds of
Speaker 5: parameters to where he had to hire someone full time
Speaker 5: just to process claims.
Speaker 4: So think about this.
Speaker 5: It used to be they trusted docs to pick the
Speaker 5: right care, they trusted docs to charge the right amount.
Speaker 5: Then insurance came in and said, wait a minute, we
Speaker 5: don't like what you're charging, and we don't like what
Speaker 5: you're doing, so we're going to tell you what can
Speaker 5: be done, what can't be done, and what you charge.
Speaker 4: And then we decided we're going to pay that.
Speaker 5: And then they the docks, on the other hand, now
Speaker 5: have to hire people to do the processing. And in
Speaker 5: addition to that, because the insurance companies inserted themselves in
Speaker 5: the process, many of the clinics raised the prices just
Speaker 5: so they could keep up right. So it was a
Speaker 5: really because if enough docs raised their prices, then the
Speaker 5: approved amounts would go up, and it became a game.
Speaker 5: And so in the beginning, insurance company said, we're saving
Speaker 5: you from these evil docs and these evil clinics and
Speaker 5: these evil hospitals by managing your care. They even did
Speaker 5: something else doc. I don't know if they still do it,
Speaker 5: called capitation, And.
Speaker 4: No they didn't come O.
Speaker 10: Model did not last very long.
Speaker 4: So that model's not even there anymore, is.
Speaker 10: It not, as far as I know.
Speaker 5: No, And that was where they would say to you,
Speaker 5: if you have patients of ours, we will pay so
Speaker 5: much ahead per year period, no matter what you do, no.
Speaker 4: Matter what you do. So if you had a thousand
Speaker 4: of our patients, and whether if you didn't see them.
Speaker 4: We still pay you. If you saw them every day,
Speaker 4: we pay you, but we pay you the same amount.
Speaker 5: So have you had a thousand patients and they gave
Speaker 5: you five hundred a year for each one, that'd be
Speaker 5: five hundred thousand. So doctors had to decide is that
Speaker 5: going to be a good deal?
Speaker 4: And do I like these patients.
Speaker 5: All of a sudden, you had doctors being actuarials deciding
Speaker 5: if they're going to take a patient or not because
Speaker 5: they don't want a patient that's going to.
Speaker 4: Exhaust their funds. So, I mean it was weird.
Speaker 5: So then let's say you had a doctor and this
Speaker 5: doctor really felt someone needed an MRI or surgery, but
Speaker 5: they knew that that person, that one person's going to
Speaker 5: take up of the five hundred grand, they're going to
Speaker 5: take up two hundred of it. I mean, it was
Speaker 5: really the worst model of medicine you could ever have. Now,
Speaker 5: mattage care is not necessarily that much better because you
Speaker 5: have non medical people many times, or doctors who are
Speaker 5: whores working for the insurance companies and telling doctors and
Speaker 5: clinics what they're going to approve and why, and then
Speaker 5: making you get pre authorization for everything. And here's the
Speaker 5: worst sin that health insurance companies do. They call things
Speaker 5: experimental that have been going on for you years and
Speaker 5: years and years and years.
Speaker 4: When do they not become experimental?
Speaker 10: Hey, Tom, I will say one thing.
Speaker 15: Any time that I had a problem with that, if
Speaker 15: I call the medical director and explained it one hundred
Speaker 15: percent got approved, Well that's.
Speaker 5: Good that that doesn't always happen, though, doc, And I'll
Speaker 5: give you a case in point.
Speaker 4: The FDA.
Speaker 5: The FDA approved what I had done in my back,
Speaker 5: this spinal implant. They approved it. My Medicare and Supplements
Speaker 5: paid one.
Speaker 4: But they're not.
Speaker 5: The insurance is not covering it for everyone. They're saying
Speaker 5: it's experimental and it's FDA approved. And when my dog
Speaker 5: tried calling them and saying, hey, you know, what's what's
Speaker 5: up with this one? It's medically necessary, blah blah blah,
Speaker 5: it's a FDA approved, they say, no, we consider it experimental.
Speaker 5: So they're just arbitrarily turning it down. We have more
Speaker 5: coming right up. Go with a sure thing Denver's Best
Speaker 5: roofer sell roofing dot com. You don't pay a cent
Speaker 5: until you're content, wait time for an insurance check. Up
Speaker 5: free no obligation. In comparison, call Compass Insurance paying too
Speaker 5: much your coverage at dozens of insurance companies find out
Speaker 5: now three all three seven seven one help. You'll think
Speaker 5: you're his only customer when you choose Frank durand the
Speaker 5: real estate man dot com to list your home with
Speaker 5: Remax Alliance three all three nine two zero sixteen twenty two.
Speaker 2: Ripped.
Speaker 1: You need advice so.
Speaker 2: You don't have come running as fast as we can.
Speaker 3: Shooter's gonna help.
Speaker 17: Come Dick is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 5: Tom Martino here, Welcome to the show. We are here
Speaker 5: solving problems, answer questions, taking complaints. Make your life just
Speaker 5: a little easier than I've appreciate you being here.
Speaker 4: What can we do for you?
Speaker 5: We will get to the phones at three oh three
Speaker 5: seven one three talk three oh three seven one three eight,
Speaker 5: two five five that's our numbers, or three oh three Martino,
Speaker 5: that's zero, three six, two seven eight four sixty six.
Speaker 5: So now Joyce has an issue with Social Security. By
Speaker 5: the way, Mark is back at the studio. We don't
Speaker 5: have a camera set up there because I took it.
Speaker 5: I was configuring it so we can never mind. So anyway,
Speaker 5: So and Bo, Deputy Bo's there, and then I have
Speaker 5: Deputy D here and we're all working on problems for you.
Speaker 5: So feel free to uh to uh give us a
Speaker 5: call or text us. You can text us at five
Speaker 5: seven seven three nine, which is a short code instead
Speaker 5: of a phone number. You put that in, put Tom
Speaker 5: in there, and then of course I'll get that message
Speaker 5: right here live. You can also google excuse me, text
Speaker 5: my Google number. That's my personal Google number, comes right
Speaker 5: to my cell phone and I can read it on
Speaker 5: the air. So you can Google me at seven four
Speaker 5: seven nine.
Speaker 4: Fifty two eighty.
Speaker 5: So, Joyce, what's going on with social security? Hello Joyce?
Speaker 20: Hi Tom. Basically starting a nutshell. I applied for SIST
Speaker 20: and Security on September twenty fourth. I'm sixty five, and
Speaker 20: I found out that they had, without my consent, signed
Speaker 20: me up for medicure A and B May first, twenty
Speaker 20: four and they're telling me that I owe six months
Speaker 20: apart they premiums.
Speaker 5: Wait a minute, why wait, hold on, hold on? When
Speaker 5: did they sign you up?
Speaker 4: Joyce?
Speaker 20: I have a May first effective date, sir.
Speaker 5: Now it was May first of this year. Did were
Speaker 5: you sixty five at the time.
Speaker 20: I turned sixty five on May seventeenth.
Speaker 5: Okay, fourth, So they signed you up. They signed you up,
Speaker 5: that's right on the first for A and B. And
Speaker 5: let me explain all that to you. Okay. Usually I
Speaker 5: believe you have to opt in for B. A is free.
Speaker 5: It doesn't. You don't pay for it. B you pay
Speaker 5: for But I want to ask you something out of curiosity,
Speaker 5: and then I'm going to tell Kachina I'd like to
Speaker 5: get Integra Insurance on about this. They know a lot
Speaker 5: about about Medicare Part A and B. So here's what
Speaker 5: I want to ask you. Had they not signed you
Speaker 5: up for Medicare Part B, for which there's a premium,
Speaker 5: were you not going to sign.
Speaker 2: Up for it?
Speaker 20: I was going to sign up for it when my
Speaker 20: husband retired and we signed up. He signed up September
Speaker 20: twenty third, or Social Security. I signed up September twenty
Speaker 20: fourth because he retired October eighteenth.
Speaker 4: So what you're saying is hold on.
Speaker 5: What you're saying is you want wanted to delay signing
Speaker 5: up for Part B.
Speaker 4: Yes, sure, and you were going to sign up for
Speaker 4: your own Part.
Speaker 5: B, but not in May. You were going to do
Speaker 5: it in September. Yes, sure, Okay, I'm not sure again, Okay, okay.
Speaker 5: If you were on all that, now that's I'm glad
Speaker 5: I heard that, because that makes all the difference in
Speaker 5: the world.
Speaker 4: Here's the rule. If you're on.
Speaker 5: A plan, an approved plan, you're not penalized for not
Speaker 5: signing up for Part B. You are not penalized. If
Speaker 5: you were not on one and you put off signing
Speaker 5: up for B. For every month you do not sign up,
Speaker 5: you're penalized in the future to a point where some
Speaker 5: of these people, for example, that want to take their
Speaker 5: Social Security payments at age seventy, they may they think
Speaker 5: they can put off.
Speaker 4: Part B till age seventy, so.
Speaker 5: They think, oh, I'll get away with not paying premiums
Speaker 5: for five or six years and then sign up for it.
Speaker 4: But you can't.
Speaker 5: It becomes so cost prohibitive that it's not worth something.
Speaker 4: You got to pay a giant a penalty every month.
Speaker 5: So in your case, though, that would not apply when
Speaker 5: you turned sixty five, you didn't want to sign up
Speaker 5: for B because you had coverage and you would not.
Speaker 4: Have been penalized.
Speaker 5: So when you tell them that, well, first of all,
Speaker 5: I've never heard of people automatically being signed up for
Speaker 5: Part B.
Speaker 4: How did that happen?
Speaker 20: What happens is when I did my Social Security application,
Speaker 20: they needed it that roof of group helps coverage, right,
Speaker 20: So my husband and I did online application, but we
Speaker 20: took that form into.
Speaker 9: The local Lewisville, Colorado's SOID.
Speaker 20: Security office and that's when they told me that I'm
Speaker 20: responsible for one thousand and forty eight dollars and twenty
Speaker 20: cents and my affected date is May first.
Speaker 5: But when you told them I had coverage back then,
Speaker 5: I did not want B until now.
Speaker 4: What did they say?
Speaker 20: They they were dumbfounded and they just told me I
Speaker 20: was responsible for it.
Speaker 4: Well you're not. But I don't know why they're saying this.
Speaker 4: It might it sounds like I'm not getting the full story.
Speaker 4: And I don't mean you're holding withholding information intentionally, but
Speaker 4: it's not making sense to me. No one has to
Speaker 4: sign up for B. You're never forced to sign up
Speaker 4: for it. Who signed you up up?
Speaker 5: Okay, you're saying they didn't sign you up back then?
Speaker 5: They just went retroactive with you.
Speaker 20: Yes, what they said to me. I called in in
Speaker 20: March to ask a question. Yes and one of the
Speaker 20: ladies said to me, this is what happens when you
Speaker 20: called the National Social Security They always screw it up.
Speaker 20: But I guess you wouldn't know that. So because I
Speaker 20: called in, somehow I got on the radar and I
Speaker 20: wasn't aware. I didn't get into that.
Speaker 5: You were eligible for payments back then too. Right, you
Speaker 5: were elegiment for payments back then too, but you wanted
Speaker 5: to wait till September, right.
Speaker 20: Yes, sir, because I had good health care coverage with
Speaker 20: my hosband.
Speaker 5: No, I'm talking about your regular Social Security benefit.
Speaker 4: You were eligible back then.
Speaker 5: Right, but I was trying to wait, and I know
Speaker 5: I get exactly what you're saying, Joyce, this is wrong.
Speaker 5: I want to get Integra insurance on just to weigh
Speaker 5: in on this, So hold on a second.
Speaker 4: Okay, We'll thank you very much.
Speaker 5: Three oh three, seven to one three talks seven to one, three, eight,
Speaker 5: two five five. So here's the deal, folks. Here's the
Speaker 5: way it works. Part A is free, Part B has
Speaker 5: a premium associated with it depending on how much you make,
Speaker 5: so that B is usually taken out of your benefit.
Speaker 4: So you get both.
Speaker 5: It's presumed you're going to start taking Social Security payments
Speaker 5: along with Part B, so that they subtract the premium
Speaker 5: from your Part B, excuse me, from your benefit and
Speaker 5: your net is what you get plus B.
Speaker 4: Now, some people are still.
Speaker 5: Working when they get their Social Security and they don't
Speaker 5: want Part B because they have an employer plan. So
Speaker 5: if they can show they have an employer plan, they
Speaker 5: can still get their Social Security benefit along with their paychecks,
Speaker 5: but they don't have to have Part B. Other people
Speaker 5: make the mistake of not signing up for B. I
Speaker 5: had a brother who thought, I'm going to be smart.
Speaker 5: I want to make more money, so I'm going to
Speaker 5: keep that three hundred a month.
Speaker 4: I don't want B.
Speaker 5: Then he turned seventy or seventy five or seventy eight
Speaker 5: years later, he desperately needed it, but it was so
Speaker 5: expensive with the penalty, he could never afford it.
Speaker 4: That's the problem with putting it off. You're penalized.
Speaker 5: But in this case, she never signed up for it
Speaker 5: because she had group plan, and when she started getting
Speaker 5: her benefit, they're saying, now you owe us back premiums
Speaker 5: for Part B. That makes no sense to me. None
Speaker 5: she had another insurance. There's got to be a way
Speaker 5: to take care of this. I'm going to consult our
Speaker 5: experts coming up seven to one three talks seven one
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Speaker 5: don't pay a cent until you're content. Time for an
Speaker 5: insurance check up free, no obligation. In comparison, call Compass
Speaker 5: Insurance pain too much your coverage at dozens of insurance
Speaker 5: companies find out now three oh three seven seven to
Speaker 5: one help. You'll think you're his only customer when you
Speaker 5: choose Frank durand the real estate Man dot com to
Speaker 5: list your home with Remax Alliance three all three nine
Speaker 5: two zero sixteen twenty two. Hi Tom Martino here three
Speaker 5: all three seven one three talks seven one three eight
Speaker 5: two five five so we're waiting on Integer Insurance to
Speaker 5: get back to us.
Speaker 4: Joyce, hang in there. We're going to figure out try
Speaker 4: to figure out what's going on with that AB And
Speaker 4: it just seems to me.
Speaker 5: That if you didn't sign up for it, they can't
Speaker 5: charge you for it, and you can prove you had coverage,
Speaker 5: so they can't penalize you anyway.
Speaker 4: Drew's calling back now.
Speaker 5: I want to just recap this in general, over the years,
Speaker 5: Drew has called me on and off, and he recently
Speaker 5: had an issue with a couple personal injury accidents and.
Speaker 4: He said it paired his make money.
Speaker 5: Plus he is getting up there in age I believe
Speaker 5: he said seventy eight years old or whatever.
Speaker 4: So he has a problem.
Speaker 5: He's running out of savings and he's going to be homeless,
Speaker 5: and I do feel bad for him.
Speaker 4: He's in New Jersey. And he also said that.
Speaker 5: He started to go fund me, and I told him
Speaker 5: I did look at gofund me, and I went and
Speaker 5: looked at his page, and I thought.
Speaker 4: You know, Drew, what you need to do is update.
Speaker 5: You need to do a little better on the description,
Speaker 5: because I feel it's not going to endear people to you,
Speaker 5: nor will it help you raise money and in general.
Speaker 5: I also told him that I don't think this is
Speaker 5: going to do it for him. I don't think he's
Speaker 5: going to raise enough money to meet his crisis which
Speaker 5: is coming up, and frankly, I don't know what to
Speaker 5: do for him. So I noticed though, that the description
Speaker 5: that I emailed him is still not up on GoFundMe.
Speaker 5: He does not have a computer, he said, so he
Speaker 5: can't update it. He has to go to the law
Speaker 5: library and let the librarian upgrade it for him. And
Speaker 5: I told him, we'll take that description I wrote and
Speaker 5: upload it.
Speaker 4: At least that'll give you a fighting chance.
Speaker 5: The description up there now is too political, I believe,
Speaker 5: and I don't believe it truly tells his story of
Speaker 5: his personal injury accidents and how he needs money to
Speaker 5: stay off the streets. I don't know why you're calling back, Drew.
Speaker 5: The last time I left you, you were going to
Speaker 5: get that description updated.
Speaker 4: So is there anything new in your case? Drew?
Speaker 21: So there's nothing new. You just describe things perfectly, And
Speaker 21: I just called to say that I appreciate your lovely efforts,
Speaker 21: and yes, we've been together many or secades, So I
Speaker 21: just wanted to thank you and just mentioned I think
Speaker 21: you said it though. There were two car accidents, not
Speaker 21: just the U the Yukon. I was also rear ended.
Speaker 21: I have four herniated this and my right arm is
Speaker 21: pretty useless.
Speaker 5: But what happened to your car? What happened to your
Speaker 5: car in that accident?
Speaker 21: Well, this is an unusual story. It got rear ended.
Speaker 21: The traffic was stopped on two eighty seven North. I
Speaker 21: was rear ended, and the company really did a great
Speaker 21: job preparing the car. They put on new parts.
Speaker 5: How we paid for it? Did the offending party pay
Speaker 5: for it? The afall party?
Speaker 4: Yes?
Speaker 21: And I was fortunate because I had no collision because
Speaker 21: I couldn't afford it. Insurant car insurance rates are way
Speaker 21: up too. And the only negative thing is the driver
Speaker 21: from the Department of Transportation when he drove my car
Speaker 21: off the road, he hit it into the guardrail, and
Speaker 21: he's saying that the government's not liable.
Speaker 5: So the rear end damage was fixed, but not that
Speaker 5: damage that he.
Speaker 21: Did right correct.
Speaker 4: Is your car drivable right now?
Speaker 21: Yes?
Speaker 5: Okay, So you just wanted to call today. I'm just
Speaker 5: wondering what the reason for the call today, Sir.
Speaker 21: Well, because I do believe in Jesus and heavenly Father,
Speaker 21: and it's the right thing to do to thank you
Speaker 21: and appreciate you for the lovely effort that you're doing.
Speaker 4: Thank you, well, I just hope it does something for you.
Speaker 2: Drew.
Speaker 5: I still have some really bad, big concerns. When are
Speaker 5: you going to get this description updated?
Speaker 21: I'll probably go to the library tomorrow or Saturday, and
Speaker 21: hopefully it depends which librarian is there. It's one of
Speaker 21: the good librarians that'll help me out.
Speaker 4: Let me explain why I didn't do it for him.
Speaker 5: He gave me his log in information, but he does
Speaker 5: the two step verification and there's a message that goes
Speaker 5: to his phone. Well, actually it doesn't go to your phone.
Speaker 5: Where does it go if somebody tries to log on?
Speaker 5: Whose phone number is in there?
Speaker 21: I think it's my phone number line?
Speaker 4: But you don't have Wait a minute, you don't have
Speaker 4: a cell phone? Is that correct?
Speaker 21: Correct? I just have a home phone. I never had
Speaker 21: a computer or a texting or anything like that.
Speaker 5: So then how do you even log into GoFundMe when
Speaker 5: they can't text you a code?
Speaker 21: When the librarian logs in, yes, when in my phone number. Yes,
Speaker 21: and then you hit the bot. In ten minutes they
Speaker 21: send you the code.
Speaker 4: Yeah, But how do they send a code to your
Speaker 4: home phone.
Speaker 21: I bring my phone to the library and plug it
Speaker 21: in at the library, and it actually works.
Speaker 4: Wait a minute, you have a home phone though it's
Speaker 4: not a cellphone jack. Pardon like a magic Is it
Speaker 4: a magic jack?
Speaker 21: I don't know what a magic jack is. All I
Speaker 21: know is we're trying it. I have to take the
Speaker 21: phone and.
Speaker 4: And and wait. So you get text on that phone, Drew. No,
Speaker 4: then I don't understand you with a code? Audibly tell yeah.
Speaker 4: Do they call you with a code?
Speaker 21: Yes?
Speaker 4: Okay, I got you.
Speaker 5: I got you, so right now, if I was to
Speaker 5: sign in to change that description for.
Speaker 4: You, it would it would call you with a code.
Speaker 5: You could give me that code, and I could do
Speaker 5: it for you without putting my phone number in there.
Speaker 21: Right, That's fine by me.
Speaker 4: Let's do that. I never that's a good solution.
Speaker 5: If you stay on the phone, I'm gonna have to
Speaker 5: work it in through breaks.
Speaker 4: Here's what I'll do. I'll go sign on with the information.
Speaker 5: I think I still have the sign in information you
Speaker 5: gave me, dog Gonet.
Speaker 4: I think I still have it. How did you text
Speaker 4: that to me? Oh? No, you emailed me that, didn't you. Yeah,
Speaker 4: how did you email me? Did you do that from
Speaker 4: the library? It doesn't matter. You emailed me your log in.
Speaker 4: So if I log in right now and they call
Speaker 4: you with a code, you give me that code, I'll
Speaker 4: be able to go in and change that description for you.
Speaker 21: That's fine with me. The only thing I would suggest
Speaker 21: is best phone at home. It only lasts about an
Speaker 21: hour and a half. He shuts off, It shuts off.
Speaker 5: Oh, it has to be recharged. I see, all right,
Speaker 5: hold on there, all right, just hang in there. I'm
Speaker 5: gonna try to get back to you before too long.
Speaker 4: Again.
Speaker 5: I have to work through these calls, So hang on.
Speaker 5: I'm Tom Martinez. We're gonna we're gonna take this quick break.
Speaker 5: Then here's what we're gonna do. We're gonna try to
Speaker 5: sign on for Drew if I can find that email
Speaker 5: from him, and then uh also uh, I also want
Speaker 5: to mention, speaking of listeners that have been with me
Speaker 5: a long time, My goodness, I just found out that
Speaker 5: one of our listeners passed away that used to call
Speaker 5: in all the time. And ah, it's sad. Because he
Speaker 5: he really did call in a lot. Mark. He called
Speaker 5: in about all kinds of stuff, didn't he?
Speaker 8: And he sure did?
Speaker 5: And what a nice guy. Didn't you didn't when you
Speaker 5: go out to eat with him? Didn't you take him
Speaker 5: out to eat one time?
Speaker 4: You and Sue?
Speaker 8: We definitely Susanne and I met him and his wife.
Speaker 4: Uh, yep, we had a good time.
Speaker 5: His name was Bennett, so those who listened probably heard him.
Speaker 4: He had cancered it and Mark, he did. Yeah, what
Speaker 4: a what a nice man, and he was always looking
Speaker 4: to help others. And then he was calling us.
Speaker 5: We kept him, he said, We kept him company. And
Speaker 5: then it was so nice of Mark and Suzanne to
Speaker 5: meet them for dinner and gave them that that very
Speaker 5: personal connection. So anyway, I wonder how his wife is doing.
Speaker 5: Do you know Mark did Sue's call? I'm just curious
Speaker 5: about that. Anyway, we have more coming up on The
Speaker 5: Troubleshooter Show three h three.
Speaker 2: Seven three.
Speaker 5: Go with a Sure Thing Denver's Best Rufer excel roofing
Speaker 5: dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup, free, no obligation comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies. Find out now three oh three seven to
Speaker 5: seven one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 5: troubleshooter three oh three seven one three talks seven one
Speaker 5: three eight two five five. I can still take that
Speaker 5: code off there if she texts it to me, and
Speaker 5: I'll put it in anyway, I'm gonna go to Daphne,
Speaker 5: who says she has a comment for Joyce. Joyce has
Speaker 5: an issue with Social Security and she was automatically or
Speaker 5: not automatically, but just signed up for Part B when
Speaker 5: she never intended to. Now they're trying to charge her
Speaker 5: for back premiums. Daphney, go ahead, Hi Tom, can you
Speaker 5: hear me? I Ken, Daphne, thank you so much for
Speaker 5: calling in sure sure.
Speaker 11: I know that you're waiting for Integra to colon. They
Speaker 11: are wonderful people. I know them very well. But I
Speaker 11: wanted to give you a call to let you know that, yes,
Speaker 11: you are right as long as that person had credible
Speaker 11: coverage that they should not have to pay any penalties
Speaker 11: in getting.
Speaker 20: Their part these services.
Speaker 11: And what I would recommend is they contact their employer
Speaker 11: whoever they got the coverage through, and ask for a
Speaker 11: letter of credible coverage to then pass on and that
Speaker 11: should be enough.
Speaker 20: To clear it up for them.
Speaker 4: Okay, I want to ask something, Joyce. Did you ever
Speaker 4: ask for a letter of credible coverage covering the period
Speaker 4: from May to September?
Speaker 5: No?
Speaker 19: I do not.
Speaker 4: That's a good idea, Daphne.
Speaker 5: So your husband's former employer needs to give you a
Speaker 5: letter saying that you were covered.
Speaker 4: During that time.
Speaker 9: Okay, and what I may No, I would.
Speaker 4: Never mail it. I would make an appointment, Daphne.
Speaker 5: Wouldn't you make an appointment with the local office.
Speaker 20: Yeah, I sure would.
Speaker 11: I would do that, and I would also get a
Speaker 11: receipt from them showing that you had submitted that.
Speaker 5: Now, Daphne, why did they sign her up for it
Speaker 5: retroactively anyway? Because she's trying to get it now, so
Speaker 5: they they just probably said, look, if you don't want
Speaker 5: to be penalized, you're going to have to pay the
Speaker 5: back premiums.
Speaker 11: Right, Yeah, it doesn't make sense to me that they
Speaker 11: would automatically sign her up if she already had credible coverage.
Speaker 5: I think what happened back when she took h Yeah,
Speaker 5: you're right, when they put in a I think they
Speaker 5: they did not sign her up back in May. They
Speaker 5: signed her up in September and retroactively charged her. And
Speaker 5: I think what they were trying to do is tell
Speaker 5: her that if she pays the retroactive premiums, as if
Speaker 5: she signed up when she turned sixty five, then she
Speaker 5: would not be penalized. That's what I think they're saying
Speaker 5: to her, and she's saying, well, I wouldn't have been
Speaker 5: and she's saying, I don't want to pay those back premiums.
Speaker 4: I would not have been penalized anyway.
Speaker 5: So I think there's just a crisscross and miscommunication.
Speaker 9: So yeah, definitely, real quick.
Speaker 20: Yes, they have not taken it out yet. I get
Speaker 20: my first Social Security check in December. They told me
Speaker 20: they're going to take all of that and half of
Speaker 20: my next check.
Speaker 4: Well, of course they are. That's to pay for the premium.
Speaker 5: It's the same topic we're gonna they're mistakingly charging you. Yes,
Speaker 5: they're mistakingly charging you, and they shouldn't. I totally agree
Speaker 5: that they've made a mistake.
Speaker 4: So that's it.
Speaker 5: I mean, you get a letter of credible coverage covering
Speaker 5: the period before you signed up for it in September. Hey, Daphne,
Speaker 5: as a licensed medicare agent, what do you do?
Speaker 11: I have my own business called Primetime Advisors. I have
Speaker 11: a master's degree in gerontology. I live in the Denver area,
Speaker 11: so I've been doing this for a long time. I
Speaker 11: have more than thirty years experience.
Speaker 9: Working in senior healthcare.
Speaker 20: I'm so blessed to be able.
Speaker 9: To do what I do.
Speaker 4: And now do you do?
Speaker 5: You do just a healthcare So do you help people
Speaker 5: with advantage and supplements?
Speaker 4: Is that what you do?
Speaker 11: That is what I do, and that's all I do.
Speaker 20: I don't do any other kinds of insurance.
Speaker 11: Okay, really working with older adults?
Speaker 4: Okay, Well that's good to know.
Speaker 5: Thank you, and always feel free to call in with
Speaker 5: your expert opinion on that. I don't think we need
Speaker 5: integer right now for this question. I appreciate it. So
Speaker 5: tell them they can get back to their their hard
Speaker 5: work and open enrollment because Joyce has her marching orders.
Speaker 5: And again, Daphne, thank you. For shedding light on that. Now,
Speaker 5: Bill says he has a suggestion for Drew and Katchina.
Speaker 5: Make sure is Drew going to call us back with
Speaker 5: that code yescause because it's expiring in a few minutes.
Speaker 13: We usually he will, I don't he will call, but again,
Speaker 13: his phone is weird, so I don't know if something's
Speaker 13: going on.
Speaker 4: Well, if I miss out on this week, hold on,
Speaker 4: hold on?
Speaker 5: Okay, good, so you can give me the code right
Speaker 5: right over the air. I don't care because I could.
Speaker 5: No one's going to do anything with that code anyway.
Speaker 5: They don't have his log and they'll never guess his
Speaker 5: log in name and password to begin with.
Speaker 4: So what is that code? Did he give it to you? Okay?
Speaker 4: We're waiting three h three? What is your I've got? Okay,
Speaker 4: what what's the code?
Speaker 13: Zero seven six.
Speaker 5: Zero seven seven two six. That's not enough digits. It's
Speaker 5: got zero seven seven two six does not cut it.
Speaker 5: I need one more digit either, be whatever. It's not
Speaker 5: the right code. It's a six digit number. Oh god,
Speaker 5: this is like I remember. There's a throwback to the
Speaker 5: days when my mom used to call with a technical problem.
Speaker 4: Mom, do you have it turned on?
Speaker 5: I'll remember one time my mother took her cordless phone. See,
Speaker 5: she saw all us with our cell phones, and then
Speaker 5: she took her cordless phone to the supermarket.
Speaker 4: Thinking it was going to work like a.
Speaker 5: Cell phone, while she had was a regular cordless phone.
Speaker 5: That's a long story, but she thought that was going
Speaker 5: to be her means of communication.
Speaker 4: I said, Mom, that's not a cell phone. We didn't
Speaker 4: call them sell at the time.
Speaker 5: I said, that's not a mobile phone, that's a cordless phone.
Speaker 5: And she said, well, it looks just like yours, and
Speaker 5: it doesn't have a chord on it, and it has
Speaker 5: an antenna, so she thought it was a mobile phone.
Speaker 4: Did we get that code or not.
Speaker 13: So unfortunately, Drew missed the call because he didn't recognize
Speaker 13: the number and it went to miss mail.
Speaker 4: Got almighty, this is such a joke. This is such
Speaker 4: a joke. So he needs you to log back in.
Speaker 5: Yeah, okay, I'll do it when I have time. I
Speaker 5: am doing a little bit of a radio show here.
Speaker 4: All right, Bill, what is your suggestion for Drew?
Speaker 5: I can think of I can think of some, but
Speaker 5: I'm not sure you can bend over that far.
Speaker 22: Go ahead, since his phone is dying on him when
Speaker 22: he's on hold. Just plug it into the charger while
Speaker 22: he's on hold.
Speaker 23: That's what I do when I when you put me
Speaker 23: on hold.
Speaker 5: I think he might have he may have one of
Speaker 5: those chargers that's a cradle.
Speaker 23: Well, that could be a product.
Speaker 5: I think that's what it is. I mean, I'm surprised
Speaker 5: he even has a cordless phone. Bill, By the way,
Speaker 5: thanks for calling. And Bill's another old timers been calling
Speaker 5: for years and years and years and years. And Bill,
Speaker 5: you heard about our good friend Bennett, right, and he
Speaker 5: passed away.
Speaker 4: I'm not trying to make a comparison here to you. Bill.
Speaker 4: You sound very healthy.
Speaker 23: But well I'm on my last streams too.
Speaker 4: What's going on with you?
Speaker 2: Bill?
Speaker 23: No, just getting old. I'm as old as you are.
Speaker 4: How old is that? Bill?
Speaker 23: Well, i'll be let's say I'm seventy seventy two.
Speaker 5: Now, wait a minute, you're only seventy two and you're
Speaker 5: saying you're on your last legs.
Speaker 23: Yes, son of them on the downhill side.
Speaker 4: Why do you go to the gym?
Speaker 23: No, I go to the doctor.
Speaker 4: God.
Speaker 23: Hey, well you know I got another question. Since we're
Speaker 23: talking about old age.
Speaker 4: Well, I wasn't talking about old age you were? Anyway,
Speaker 4: go ahead?
Speaker 22: When do I have to start taking mandatory with Charles
Speaker 22: from my.
Speaker 4: Four oh one seventy three years old?
Speaker 23: Is that the end of the year or is it
Speaker 23: any time?
Speaker 4: I don't actually know that. I can find that out
Speaker 4: because I'll just ask my.
Speaker 22: Like I'm with Vanguard and I call there and nobody
Speaker 22: knows anything.
Speaker 5: Hey, let me ask you some bill. You've accumulated money.
Speaker 5: Have you ever thought of an annuity though? Because of that?
Speaker 5: So you have that steady guaranteed And I'm not trying
Speaker 5: to sell you on. I'm just curious. Or are you
Speaker 5: just going to start drawing down your account?
Speaker 22: I don't even need it because I got a good pension, okay.
Speaker 4: So are you just going to leave that as a
Speaker 4: cushion to leave to your wife?
Speaker 23: I'm going to try to spend it. But you know,
Speaker 23: you know me, and you want.
Speaker 4: To go on a vacation with a friend who's.
Speaker 23: Your age, Sure we'll go to New York.
Speaker 5: Hey, Bill, come on, man, you got to get to
Speaker 5: the gym.
Speaker 4: You got to get to New York.
Speaker 22: Are you from I went to high school right across
Speaker 22: the street from Belmont racetrack.
Speaker 10: Well, hold on, you're from Queens right.
Speaker 4: No, No, that's Long Island right, No, it's Queens Long Island.
Speaker 23: I went to Floral Park.
Speaker 4: Belmont is Long right. Wait wait, I'm thinking of aqueduct.
Speaker 4: Belmont is Long Island right near Uniondale, right, Bill, I.
Speaker 23: Was thinking of act by Floral Park. It's right by Queens.
Speaker 5: It's right in Uniondale, right near Uniondale and the whole area.
Speaker 2: You know.
Speaker 10: Yeah, yeah, yeah, bayside Bill.
Speaker 5: You know do you know the uh it was? It
Speaker 5: called Hempstead Turnpike.
Speaker 4: Yeah, Okay, my dad had a barber shop there.
Speaker 5: Yeah. But they did mostly gamester meetings and a little
Speaker 5: hare on the side in the back room.
Speaker 4: They did the meetings in the front room.
Speaker 5: They had a barbershop, otherwise known as launder laundering money anyway.
Speaker 5: Three oh three seven one three talks seven one three
Speaker 5: eight two five five Go with a sure thing Denver's
Speaker 5: Best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Wait time for an insurance check up free no obligation
Speaker 5: comparison call Compass insurance paying too much your coverage at
Speaker 5: dozens of insurance companies.
Speaker 4: Find out now three all three seven to seven to one. Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martino, your troubleshooter three O
Speaker 5: three seven one three talk three A three seven on
Speaker 5: three eight two five five. Ron has a furnace question.
Speaker 5: Hello Ron, what's going on?
Speaker 21: Tom? Thanks for taking the call. Yes, sir, you're talking
Speaker 21: about the ladies had smoke or something and I didn't
Speaker 21: catch all of the was that eight her furnace?
Speaker 4: Wait? Which one was?
Speaker 5: Oh wait, wait one that smelled that? That odor in
Speaker 5: her heating? That was something happened with the refrigerant.
Speaker 4: It was leaked.
Speaker 5: And uh and then it was a mistake they made
Speaker 5: in the installation.
Speaker 4: They didn't take no fittings and after.
Speaker 5: The refrigerant got out, then she said she's smelling a
Speaker 5: funny odor as well.
Speaker 21: Okay, I'm looking at the furnaces and that's not a
Speaker 21: problem with Oh hell no.
Speaker 5: You're looking at ninety percent furnaces with like a variable speed,
Speaker 5: right and multi stage. Those are great. Those are great. Now,
Speaker 5: who's who are you looking at for this.
Speaker 21: Total comfort?
Speaker 4: And how do you know them?
Speaker 23: They've been around a long time.
Speaker 4: How do you know them? Do you have they done
Speaker 4: work for you neighbor.
Speaker 21: For thirty years?
Speaker 5: Okay, Well, like I said, do your homework. I hope
Speaker 5: you know and trust them. We have wonderful people as well.
Speaker 5: Three or three seven one three talks seven one three
Speaker 5: eight two five five. We have more coming up on
Speaker 5: the Troubleshooter Show. And I'm gonna try to get Drew's
Speaker 5: go fundme rewritten.
Speaker 4: So stick around.
Speaker 5: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 5: dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three all
Speaker 5: three nine two zero sixteen twenty two.
Speaker 1: Ript news So you don't have.
Speaker 2: Come running, just as as we can.
Speaker 3: Shooter's gonna help.
Speaker 8: Come six is the Troubleshooter Show.
Speaker 5: No Tom Martine, Hi Tom Martino. Here, let's go and
Speaker 5: see what we can do for you. Three oh three
Speaker 5: seven one three talk three oh three seven to one,
Speaker 5: three eight two five five.
Speaker 4: This hour brought to.
Speaker 5: You by Gravina's Windows nine p fifty West Evans. Fifty
Speaker 5: lines of windows, doors, siding, everything you need. Gravinas is
Speaker 5: on nine fifty West Evans, in business since eighty eight.
Speaker 4: Nick Gravina now running it.
Speaker 5: He's a genius with windows, doors, and uh siding. You're
Speaker 5: gonna want them on your side. They've been on my
Speaker 5: referral list for twenty years and the number is three
Speaker 5: oh three four seven two eighty four sixty two. All right, now, Anthony,
Speaker 5: you had called a couple days ago about your sewer line.
Speaker 4: What's going on? Anthony?
Speaker 18: Hey, Tom So, Yeah, when I called you just talking
Speaker 18: about that liner that they put inside of it.
Speaker 5: Yeah, you were wondering what options could you have, and
Speaker 5: I said, hey.
Speaker 4: Could you let me know what you're going to go with?
Speaker 5: Because you had a sewer line that went from your
Speaker 5: house through a neighbor's yard and then out to the street.
Speaker 5: And I thought, well, there's a pipe bursting. There's also
Speaker 5: a lining. There are different options, but I wasn't sure
Speaker 5: what they could do in your particular case.
Speaker 4: Did he go? Is he gone? I guess he is.
Speaker 5: Well, sorry, Anthony, we got disconnected three h three seven
Speaker 5: one three talks seven one three eight two five five.
Speaker 5: Funny how that happens. Oh he's back. Okay, So what
Speaker 5: did you end up doing, Anthony?
Speaker 18: So I talked to plumb Line. They came out and
Speaker 18: scope the line. It actually ends up being two neighbors
Speaker 18: on one side of me, including myself one more neighbor.
Speaker 18: Then it gets to the street and it's going through
Speaker 18: our backyards.
Speaker 4: Oh my gosh.
Speaker 10: Yeah, so they see.
Speaker 18: He suggested talking to the city because if that's the
Speaker 18: main line, the city should be responsible for the main line.
Speaker 5: Why would it be a main line because it goes
Speaker 5: through so many yards.
Speaker 18: Yeah, because all of us neighbors connect to that.
Speaker 5: Oh I see, okay, and what happened.
Speaker 18: So he said, we couldn't do the liner version just
Speaker 18: because the bellies where the water is freestanding, the liner
Speaker 18: wouldn't take correctly.
Speaker 4: Okay, So that's that.
Speaker 18: So once I talked to the city, the city basically
Speaker 18: just says, oh, Yeah, that's something I haven't done in
Speaker 18: a long time. That's one step short of being illegal
Speaker 18: in any new construction. And the city basically washed their
Speaker 18: hands of it and says it is entirely the owned
Speaker 18: sewage line of the property owners, basically meeting me and
Speaker 18: all my neighbors technically own that, so if we want
Speaker 18: to repair it, we're on our own. And according to plumbline,
Speaker 18: that's roughly figet the whole thing fixed in all four yards.
Speaker 18: We're looking forty to fifty thousand dollars.
Speaker 4: Oh for sure, for sure it is.
Speaker 18: Yeah, and that's on the low end, not counting any
Speaker 18: issues we have. Where it goes under mine, well.
Speaker 4: Are your neighbors having issues? Are your neighbors having issues.
Speaker 18: Now that they've mentioned to me, but on sad and
Speaker 18: ask them, we're kind of at the point where we
Speaker 18: think we may just have to snake the line every
Speaker 18: year just to clean out anything that might have come through.
Speaker 5: Well, how many neighbors total, Let's say it's fifty grand.
Speaker 5: How many neighbors or okay, so you know it's going
Speaker 5: to be over ten grand each, right, do you think
Speaker 5: your neighbors would be up for that or not?
Speaker 18: It could be perfectly honest. No. A few months ago
Speaker 18: the streets flooded after a rainstorm. The city drains clogged up,
Speaker 18: and two of the four had their basements flooded out.
Speaker 18: They had to replace.
Speaker 4: All of that stuff, had to replace what.
Speaker 18: Furnace, water heaters.
Speaker 5: So did they know it can happen again? I mean
Speaker 5: the sewer line could happen.
Speaker 18: Oh yeah, the city knows about it and they staid
Speaker 18: they're working on it. So who knows fun situations? The
Speaker 18: joy of old houses.
Speaker 4: Anyway, it's amazing to me.
Speaker 5: Three oh three seven one three talks seven one three
Speaker 5: eight two five five.
Speaker 4: I'm sorry about that.
Speaker 5: Man, You're gonna have an issue, especially when you go
Speaker 5: to sell it. Man, people, you got to know what
Speaker 5: your property entails and the complications.
Speaker 4: Yvonne, what's going on with you? Yvonne?
Speaker 18: Yes, I.
Speaker 24: Know that you work with Compass Insurance and I just
Speaker 24: wanted to know if you had any thoughts on I
Speaker 24: received a I'm switching insurance. I have All State currently
Speaker 24: and they deny two claims store of claims and so
Speaker 24: we've decided to let We went through target on Services
Speaker 24: with Matthew.
Speaker 4: How's it working work on that for us?
Speaker 11: Well?
Speaker 24: We're just waiting at this time. It's just the waiting game.
Speaker 24: So we haven't we haven't heard anything back yet as
Speaker 24: far as you know, Resolve. But I'm I'm in the
Speaker 24: process of looking for a new insurance and know that
Speaker 24: you work with Compass Insurance.
Speaker 4: Yeah, now I work with Compass. But let me explain
Speaker 4: what I love about Compass.
Speaker 5: They do the insurance check up, but they sometimes will
Speaker 5: recommend that you stay where you are.
Speaker 4: In other words, they're really honest about it.
Speaker 5: So when I say I work with Compass, yes, but
Speaker 5: Compass would even tell me like or they told Mark
Speaker 5: one time, Mark, stay where you are, you don't have
Speaker 5: to move over, that who you have is doing a
Speaker 5: great job.
Speaker 4: And and but then it wasn't a year or two
Speaker 4: after that.
Speaker 5: So they'll keep and they'll do an insurance check up
Speaker 5: first to make sure they can give you better coverage
Speaker 5: at better prices before you know, before having you change anything.
Speaker 5: But in your case, if you're having these claims turned down,
Speaker 5: here's here's what's weird about your case that you probably know.
Speaker 5: I hope you know this, But the fact that you
Speaker 5: tried to get claims covered and they did not cover them,
Speaker 5: do you know they still go against you. Yeah, yeah,
Speaker 5: isn't that weird? So they still now consider you high
Speaker 5: risk for the for trying to get two claims covered
Speaker 5: even if they didn't cover them, right.
Speaker 4: So anyway, so go on with your question. Yes, I
Speaker 4: worked with.
Speaker 24: Compass, so I at the time when I checked with Compass,
Speaker 24: they said stay with all stayed at the time, so
Speaker 24: but oh.
Speaker 4: They were honest about it. I love it.
Speaker 24: Yeah, yeah, that was that was That was actually a
Speaker 24: few years ago. But like I said, since then, we've
Speaker 24: had a problem with off State. However, I did get
Speaker 24: a I have an E M. T UH credit Union
Speaker 24: account and they sent me uh reply in the mail
Speaker 24: as far as uh a quote for or available credit
Speaker 24: union member price for auto insurance and homeowners So I
Speaker 24: wanted to see if you had any opinions on that.
Speaker 24: It's basically through true stage.
Speaker 9: But what is it?
Speaker 24: This is provided by Liberty Mutual Insurance.
Speaker 5: Okay, Liberty Mutual not terrible, but yeah, there's nothing wrong
Speaker 5: with Liberty.
Speaker 4: What why did Compass? Did you call Compass.
Speaker 5: Since you decided to cancel All State even though they
Speaker 5: said maybe you should stay.
Speaker 24: With them, Not yet, Like I said, when I contacted Compass.
Speaker 24: This was years prior, so now I'm re looking for
Speaker 24: new insurance because of this problem with All State, So
Speaker 24: we're not going to stay with All States anymore.
Speaker 2: I know.
Speaker 5: But does Compass know that that no matter what, you
Speaker 5: don't want to.
Speaker 24: Yeah, I haven't called them yet. I just wanted to
Speaker 24: get your recommendation on this. You know this credit union
Speaker 24: membership price with True Stage, but they're affiliated, I guess
Speaker 24: with Liberty Mutual Insurance.
Speaker 5: Okay, all right, I think that if they give you
Speaker 5: a good price and good coverage, it's an all right company.
Speaker 4: Okay, what's the price on the coverage.
Speaker 24: I haven't explored it yet. I wasn't even going to
Speaker 24: bother if you said, no, they're terrible.
Speaker 4: No, no they're not.
Speaker 5: They're not like they're not like a Fred Loyer or
Speaker 5: those kinds of people, or All State or farmers or
Speaker 5: American Family.
Speaker 4: No, they're not in that class at all.
Speaker 5: But they're also not in the class of Chubb Travelers,
Speaker 5: auto owners those But they're not terrible at all. So
Speaker 5: and in fact, Compass, if you tell Compass about this,
Speaker 5: they'll they'll compare that too, or or you get a
Speaker 5: price from them, Compass will say to you, you know what,
Speaker 5: that's a good deal or not, they'll see. That's what
Speaker 5: I love about the insurance comparison. You can go out
Speaker 5: and shop on your own, then go to them and
Speaker 5: because no one see it's foolish to say, well, we
Speaker 5: can do better than that if they can, because then
Speaker 5: you'll know when you pay the premium that they're not
Speaker 5: doing better. So I think you're on the right track.
Speaker 5: So Liberty Mutual not a bad company. They're subsidiary, not
Speaker 5: a bad company. Compass Insurance Group.
Speaker 4: If you as I said, for and for those listening
Speaker 4: three h threes on nine ninety six nine thousand for
Speaker 4: your comparison, or the Insurance Health Center dot.
Speaker 5: Com, go with a sure thing Denver's best roofer Excel
Speaker 5: Roofing dot com.
Speaker 4: You don't pay us until you're contenth.
Speaker 5: Time for an insurance check up free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help.
Speaker 4: You'll think you're his only customer.
Speaker 5: When you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martino
Speaker 5: here three O three seven one three talk three oh
Speaker 5: three seven one three eight two five five.
Speaker 4: My goodness. Finally, not finally, it's.
Speaker 5: Not like I love by the way your calls, but
Speaker 5: I mean, finally, we've had one call after another after another.
Speaker 5: So now it's open, so you can call in again
Speaker 5: three oh three seven one three talk seven one three
Speaker 5: eight two five five, or remember three oh three March two,
Speaker 5: you know, and you can call that at any time
Speaker 5: three h three six two seven eight four sixty six.
Speaker 5: Back to some of the texting, texting my cell phone
Speaker 5: number and it is my Google cell and then forwards
Speaker 5: to mysell seven four seven nine nine nine.
Speaker 4: Fifty two eighty.
Speaker 5: By the way, buddy, you can't have anybody do a
Speaker 5: liner in a sewer where there is a belly. If
Speaker 5: they do, they will still have a belly. That's absolutely true.
Speaker 5: You don't do a liner. The liner simply lines what's
Speaker 5: already there.
Speaker 4: And I agree.
Speaker 5: So if there's a belly or a low spot, you'll
Speaker 5: always have a belly. A low spot, you can do
Speaker 5: what's called pipe bursting. That's where they get on one
Speaker 5: side and pull through like a bullet head with uh
Speaker 5: that's slightly bigger than the existing pipe, along with another
Speaker 5: pipe behind it, and they literally pull a flexible a
Speaker 5: line through and it bursts or crumbles the one in
Speaker 5: front of it, which is the existing one, and lays.
Speaker 4: The new one.
Speaker 5: And you can do that and the rigidity of the
Speaker 5: new one will get rid of a belly.
Speaker 4: However, if it's a really bad cat.
Speaker 5: A settling of earth, then that would eventually cause possibly
Speaker 5: a belly there.
Speaker 4: Too, so you have limited options.
Speaker 5: Now, one thing you could do is pipe burst in
Speaker 5: an area, then go to the area of the belly
Speaker 5: and just bed that area. If through the years that
Speaker 5: was the only belly that's you could bed just that area,
Speaker 5: so you're limiting your excavation. There are many, many, many
Speaker 5: ways to handle creatively this expensive kind of a job.
Speaker 5: The problem you have, and I really urge people when
Speaker 5: you buy a home, that is one.
Speaker 4: Of the things you really need to look at. I
Speaker 4: look at.
Speaker 5: Buying a home, and I want you to do this
Speaker 5: because it's going to save you money. I call it
Speaker 5: the target. So consider the home the bullseye. That's where
Speaker 5: your home is now. This is a visualization to help
Speaker 5: you do the checking that you need. So if you
Speaker 5: visualize the rings of a tart, you start with where
Speaker 5: your home is and then work outward. Okay, what's around it,
Speaker 5: like like that's where you look at the sewer lines
Speaker 5: and all of that. Then you go to the outer
Speaker 5: ring and then access. How do you get to and
Speaker 5: from your home? Are you depending on an easement? Is
Speaker 5: it a private road? Is there a joint maintenance agreement?
Speaker 5: How solid is it? Then you go back out further.
Speaker 5: What about utilities pipes? You know some people have to
Speaker 5: pay massive fees just to get utilities in if they're
Speaker 5: building or improving or what happens if there is a
Speaker 5: problem with utilities. Who owns the line and if it
Speaker 5: stems other people's property? Is there an agreement for that?
Speaker 5: There's all kinds of things to think about. Then you
Speaker 5: go to the most outermost ring and that goes for
Speaker 5: sewer districts, recreation districts, park district, school districts. What assessments
Speaker 5: will there be in the future, What votes are there,
Speaker 5: Who controls the purse strings?
Speaker 4: How many times will you have to pay and who
Speaker 4: will you have to pay? What's the mill levee and
Speaker 4: what does that mill levy go for not just schools.
Speaker 5: There's all kinds of subdistricts, even a fire protection district
Speaker 5: depending on.
Speaker 4: Where you are.
Speaker 5: So you look at everything so you don't run into
Speaker 5: this problem having a problem where one big sewer line
Speaker 5: goes across private property and it's not the municipality's problem,
Speaker 5: but it's yours and your neighbors. Getting neighbors together to
Speaker 5: spend money can be a nightmare, you know, even though
Speaker 5: they need it.
Speaker 4: They figure out if I stay.
Speaker 5: Put, eventually their neighbors around me are going to replace
Speaker 5: it and I'll benefit from it. That's how a lot
Speaker 5: of these losers think. So you really have to be
Speaker 5: careful when you are buying property.
Speaker 4: Okay, that's very very important.
Speaker 5: So thanks for that text, because it got me to
Speaker 5: talk about something very serious, and that's when you buy.
Speaker 5: Most people, if they're buying newer homes, they don't worry
Speaker 5: about that kind of stuff, although you still have to
Speaker 5: worry about the taxing districts. You might have a newer
Speaker 5: home in an older neighborhood. And let's say that older
Speaker 5: neighborhood has a sewer district. It's not like Denver or it's.
Speaker 4: Not the city but it's a it's a district, and
Speaker 4: the infrastructure is.
Speaker 8: Old, really old.
Speaker 5: They might have to put in a lift station, a substation,
Speaker 5: a new pump station, a whole new treating facility for
Speaker 5: water or whatever, or a sewer district, and that would
Speaker 5: be assessed to the members. So even though you have
Speaker 5: a new home, you're thinking, I'm in a new home,
Speaker 5: I'm never gonna.
Speaker 4: Have to worry about that.
Speaker 5: But you may be in an old district where the
Speaker 5: district has infrastructure that may someday need to be upgraded, and.
Speaker 4: You're on the hook for it as a property owner.
Speaker 5: There are so many things like that where people get
Speaker 5: into trouble. All right, now, could you but here's another text.
Speaker 5: Could you please find out from Denver Region if there
Speaker 5: is any type of maintenance program after you have reached
Speaker 5: your weight goal on semaglue tide and by the way,
Speaker 5: they do turns up tie too.
Speaker 4: Thanks.
Speaker 5: Okay, since you just texted, I'm assuming you're listening. Yes,
Speaker 5: there is a maintenance program.
Speaker 4: Okay. Usually they start you out on a.
Speaker 5: Dosage that basically slows down the absorption of your food
Speaker 5: so you stay full longer, you get full faster. You
Speaker 5: just eat less, it's it's failsafe.
Speaker 4: I mean, it works all the time semagluetide and urzepetide.
Speaker 4: It also has other health benefits.
Speaker 5: Okay, now it's not technically meant to be a lifetime thing,
Speaker 5: but in some cases it might be. Some people have
Speaker 5: insulin sent they have glucose or sugar sensitivities, carb sensitivities,
Speaker 5: they spike insulin a lot, and to slow down that
Speaker 5: absorption is a good thing. And it was originally meant
Speaker 5: as a diabetic drug anyway, so there's nothing wrong with
Speaker 5: doing that on a maintenance basis. But the whole idea
Speaker 5: of taking urzepetide or semaglutide by Denverregen dot com or
Speaker 5: any number of clinics you know in regular names from
Speaker 5: your primary care doc, the number one benefit is to see,
Speaker 5: wait a minute, I can eat this much and sustain myself.
Speaker 5: I'm going to the gym, I'm working out, I'm walking,
Speaker 5: I feel great. I don't need everything I was eating.
Speaker 5: And many times it helps you break that addiction to
Speaker 5: the eating so much and the carb addiction and all
Speaker 5: of that. Not that you want to erase carbs forever.
Speaker 5: You don't have to erase them all. But the point
Speaker 5: is is that it gives you a visualization and assaciation
Speaker 5: with proper eating and then you hopefully as you wean
Speaker 5: off of ter zeppetide or semiglutide, you will maintain those
Speaker 5: good eating habits of portion, time of day, et cetera.
Speaker 5: But in some cases people still have trouble and there
Speaker 5: are maintenance doses.
Speaker 4: They're low.
Speaker 5: They could be one to two milligrams as opposed to
Speaker 5: ten milligrams, right, and it's not going to have any
Speaker 5: real bad health consequences, and it'll help regulate blood sugar.
Speaker 5: In some cases, it's got good health benefits. So there
Speaker 5: would be a maintenance dose and your doctor would have
Speaker 5: to assess that with you or your primary care provider
Speaker 5: on your weight, your goals and all of that, so
Speaker 5: you don't keep losing and you maintain. Yes, you can
Speaker 5: do that. A lot of people have found. And I
Speaker 5: don't want to get into this because I'm not a doctor.
Speaker 5: I'm not prescribing anything, but I will tell you some
Speaker 5: of the trends I've read about. There's been a school
Speaker 5: of thought that whenever you can regulate your A one
Speaker 5: C your sugar levels in the blood your glucose levels
Speaker 5: in the blood, your absorption, your excretion of insulin and leptin,
Speaker 5: and all of that that you can live longer.
Speaker 4: One doctor once told me that.
Speaker 5: If you took an imaginary shelf and all your insulin
Speaker 5: and leptin, all your stuff was up there, but especially insulin,
Speaker 5: and then you looked at longevity, the people who left
Speaker 5: most of the insulin on the shelf would live longer
Speaker 5: than those who take it and use it so much
Speaker 5: so the more, he said, a good measure of health
Speaker 5: and longevity is the amount of insulin over a lifetime
Speaker 5: you use. Insulin does convert things into energy, but it
Speaker 5: also has some negative effects. Now, obviously you need insulin right,
Speaker 5: but what you don't need are insulin.
Speaker 4: Spikes all day.
Speaker 5: So people say, well, I'm not diabetic, or I'm pre diabetic,
Speaker 5: or i am diabetic. What diabetes means is your level
Speaker 5: of blood glucose after insulin or be right before insulin.
Speaker 4: Meaning what do you normally have as a blood level.
Speaker 5: And many people get an insulin resistance, so even though
Speaker 5: they shoot insulin, it still is higher than it should
Speaker 5: be your your glucose levels. So what they do is
Speaker 5: they call themselves diabetic. And they are, especially if they're
Speaker 5: pancreas ghost could put an autoimmune disease, you truly have
Speaker 5: type one. But with type two diabetes, a lot of
Speaker 5: people walk around seventy percent of the day as a
Speaker 5: type two diabetic and thirty percent of the day they're not.
Speaker 5: And they could literally do a glucose fasting test and
Speaker 5: show that they're normal, but they're not normal.
Speaker 4: They're just normal for the blood test. But if you
Speaker 4: take a day of.
Speaker 5: Twenty four hours and you're not fasting and you're just
Speaker 5: doing normal eating and your blood levels, your glucose levels
Speaker 5: are always high, well you're diabetic.
Speaker 4: I mean you're not type one.
Speaker 5: Diabetic, but you're diabetic, or your diabetic half of the
Speaker 5: day or your diabetic three quarters of the day. All
Speaker 5: that is is a measure of your blood glucose levels.
Speaker 5: And again we most of the day. Most people do
Speaker 5: this all day all day. You know that the idea
Speaker 5: is to do this during the day, or this with
Speaker 5: better absorption, longer absorption cycles.
Speaker 4: That's the best.
Speaker 5: And sometimes these diabetic drugs are what do they do
Speaker 5: that for you artificially? You know, because you're not doing
Speaker 5: it yourself. So some people have surmised that diabetic drugs,
Speaker 5: even if you don't have diabetes, can help lengthen your life,
Speaker 5: and studies have shown that to be true. Now, I'm
Speaker 5: not prescribing or telling you to do this. I'm not
Speaker 5: telling you because you know I'm not a doctor. But
Speaker 5: but when i'm reading of some doctors are prescribing, for example,
Speaker 5: met Foreman on a daily basis as an longevity drug,
Speaker 5: not because they think you have diabetes or they're treating
Speaker 5: you for diabetes, but they're just doing it as benefits
Speaker 5: for your whole life and longevity. And some people are
Speaker 5: doing that with your zeppetite and semaglutide as well. Anyway,
Speaker 5: that's a lot of information, isn't it. Thanks for the text.
Speaker 5: Three oh three seven one, three eight two five five
Speaker 5: Go with a sure thing Denver's best roofer Excel roofing
Speaker 5: dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up, free no obligation comparison
Speaker 5: call Compass insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: seven one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand Thereal estate man dot com to
Speaker 5: list your home with Remax Alliance three all three nine
Speaker 5: two zero sixteen twenty two.
Speaker 4: Hi Tom Martino here three all.
Speaker 5: Three seven one three talk three oh three seven one
Speaker 5: three eight two five five renew Home Innovations can get
Speaker 5: your shower conversion done in as little as two or
Speaker 5: three days and you have seventy two months to pay
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Speaker 4: And that's beauty.
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Speaker 5: perimeter trains, grab bars, benches. You make them to your
Speaker 5: custom movement three O three nine zero four two thousand,
Speaker 5: three oh three nine zero four two thousand. We have
Speaker 5: a follow up on the mini that Deputy uh Deputy
Speaker 5: D was working on. Now, this woman had a mini
Speaker 5: and she said the original problem.
Speaker 4: What did she say about the mini in the beginning.
Speaker 6: Well, her her original complaint was how long it's been
Speaker 6: taking many of Loveland to complete a recall repair?
Speaker 2: Right?
Speaker 5: And that was and we said, okay, that's reasonable that
Speaker 5: should be done.
Speaker 4: Uh, it was her name Crystal. No, her name is Lilah, Lilah.
Speaker 5: Okay, So we've had a number of these not yet
Speaker 5: Mini recalls, so Lyla keep going and so she said
Speaker 5: it's taking too long and.
Speaker 4: Taking too long.
Speaker 6: And in my initial conversation with Lilah, she mentioned something
Speaker 6: else which became significant later on as I kept researching
Speaker 6: this case.
Speaker 5: Yeah, it was a faulty module in danger of a
Speaker 5: thermal event.
Speaker 4: That was the recall.
Speaker 6: Yeah, I think the car was in danger of And
Speaker 6: she's had her car.
Speaker 5: She hasn't driven her car, she said, since June of
Speaker 5: twenty twenty three, because the dealer says they finally got
Speaker 5: a fix and it was towed there, and she says
Speaker 5: it's been there for two months.
Speaker 6: So yeah, that's the third, very important component of the
Speaker 6: situation is that the car had been parked for over
Speaker 6: a year before it got towed in. Now, it wasn't
Speaker 6: her fault, it's just that Mini didn't have a repair
Speaker 6: available for this recall, so she parked the car. It
Speaker 6: was towed in in August. I spoke with Many a
Speaker 6: couple of weeks ago, and I found them very easy
Speaker 6: to deal with. There's a gentleman over there in their
Speaker 6: service department named Nick, and he answered the phone every
Speaker 6: time I called. He was very generous with his time
Speaker 6: and forthcoming with the information. So he told me that
Speaker 6: the mini is that they're just about to receive the
Speaker 6: parts from Germany, and he estimated that at the time
Speaker 6: of our call, the car will be completed next week.
Speaker 6: Well last next week was last week, and the and
Speaker 6: the recall repair was completed.
Speaker 4: Okay, so.
Speaker 6: Yeah, However, that doesn't solve Lila's problem, which turns out
Speaker 6: that there were actually two halves to the issue, not
Speaker 6: just the recall, but the car had been damaged by rodents.
Speaker 6: I assumed during the year that it's been.
Speaker 4: Parked, and they're saying that's not a warranty.
Speaker 5: Issue, and so she thinks they should fix it, right.
Speaker 4: Yeah, that's that's the idea.
Speaker 5: Why that's not a warranty issue or is she denying
Speaker 5: its rodents?
Speaker 6: She you know, I looked at a photograph that the
Speaker 6: dealer of the wiring damage. The dealer sent it to her.
Speaker 6: She sent it to my phone. I can see rodent
Speaker 6: damage in some of that wiring, and god knows what
Speaker 6: else is going on. Is you did to dig deeper
Speaker 6: and deeper into it. Now say, well, now, Nick at
Speaker 6: the dealership did warn me that having complete having the
Speaker 6: recall repair completed does not solve the driveability problems of
Speaker 6: this car. The n covered a whole laundry list of visions.
Speaker 2: Nine.
Speaker 4: I'm surprised it's still standing. Well, it's how many years?
Speaker 4: Four to fifteen years? Yeah, Plus it's a Mini.
Speaker 6: They're not known for durability the liability, but Nick said
Speaker 6: the two primary problems in the context of driveability are
Speaker 6: the wiring damage from the rodent infestation, but also the
Speaker 6: battery is not just dead, but may not even be
Speaker 6: rechargeable anymore. You probably know that when you leave even
Speaker 6: a new battery discharge for a long time and undergoes
Speaker 6: a chemical reaction called sulfation, and that completely ruins the battery.
Speaker 6: It just is no longer able to hold a charge.
Speaker 5: So Nick, so it needs a lot of work that
Speaker 5: has nothing to do with this recall, and she wants
Speaker 5: everything done under the recalls at the bottom.
Speaker 6: Lne, Well, those aren't my words, and it's not I
Speaker 6: can see she's supposed to call into the show to
Speaker 6: explain her position. Based on the text messages, and the
Speaker 6: conversations that I've had with her, she is dissatisfied with
Speaker 6: many of Loveland because the car is still not drivable.
Speaker 6: Though I think the bottom line is it's not drivable,
Speaker 6: not and it's not through any fault of many or
Speaker 6: many of Loveland. So I did invite her to call in.
Speaker 6: She said she'll try to call in when she has time,
Speaker 6: and hopefully we'll get her side of the story and
Speaker 6: I'll be happy to continue to work with her as
Speaker 6: long as we get, you know, a really good explanation
Speaker 6: of what she wants to happen. But I have a
Speaker 6: feeling she wants them to pay for all of these repairs,
Speaker 6: which are estimated between four thousand and five thousand dollars
Speaker 6: front i've seen. So that's that's the mini update.
Speaker 4: Okay, But in your opinion, she's asking for too much.
Speaker 6: I think she's asking for things that are not Minie's fault.
Speaker 6: I think that the mouse infestation and the sulfated battery,
Speaker 6: we can't pin that on the dealership. That's that's not
Speaker 6: their fault. They did the they did the recall repair,
Speaker 6: it's done, it's complete. That's the extent of their responsibility.
Speaker 6: And you know, One of the major things that needs
Speaker 6: to be replaced is the what they call the FSB module,
Speaker 6: which is I looked it up. It's basically a very
Speaker 6: fancy fuse box.
Speaker 5: All right, thank you, So we got that. Now we
Speaker 5: have more coming up. Listen, that's gonna happen. Okay, it's
Speaker 5: it's just gonna happen. Where when you know you have
Speaker 5: more than one problem with a car and it's not
Speaker 5: all related to one issue. This happens a lot when
Speaker 5: people have a car under one warranty or even out
Speaker 5: of warranty with a recall, or let's say somebody does
Speaker 5: a repair.
Speaker 4: On one thing and something else goes out.
Speaker 5: There's been an age old problem with people connecting the dots.
Speaker 5: They shouldn't be connected. So there's not much we can
Speaker 5: do about that if we look into it and say
Speaker 5: you shouldn't connect the dots. All right now tonight, I
Speaker 5: just run remind you that, uh Joe Kanno and his
Speaker 5: team will be at the twenty Mile Park a twenty
Speaker 5: Mile Road AMC Theater for a movie event. You can
Speaker 5: still get tickets three oh three seven seven nine sixty
Speaker 5: six hundred. That's seven seven nine sixty six hundred. My
Speaker 5: moneymway dot com. And that's about retirement. It's a movie.
Speaker 5: It's educational, not a sales event. Three oh three seven
Speaker 5: seven nine sixty six hundred. Oh all right, three oh
Speaker 5: three seven one three talk seven one three eight two
Speaker 5: five five. By the way, this goes without saying, I
Speaker 5: have to thank people who have responded to me on
Speaker 5: Wave eight Wealth Management, that's my financial advisory firm.
Speaker 4: And many people.
Speaker 5: Have asked the question, what should I do if I
Speaker 5: have this much or this much or this much. It's
Speaker 5: really not the amount of money you're investing, although I
Speaker 5: personally believe truly if you have under twenty five thousand,
Speaker 5: you shouldn't think about investing, because that's about you're going
Speaker 5: to need urgency funds and you're going to need you know,
Speaker 5: like backup just regular liquid funds. But as far as
Speaker 5: investing goes, I wanted to explain this because a lot
Speaker 5: of people are having this difficult concept of middlemen. No
Speaker 5: one's going to come out and say we are middlemen
Speaker 5: when you invest with us, we're going to uh, we're
Speaker 5: going to shuttle it up the line. But if they're
Speaker 5: using another advisor to do the portfolios and investing or
Speaker 5: a broker dealer. They're middlemen. They are literally middlemen. They
Speaker 5: are making a spread. They're not making your investment decisions. Now,
Speaker 5: as I said before, there are some advisors that shake
Speaker 5: your hand, take your money, and they're good people and
Speaker 5: they babysit it, but it's with someone else. So you
Speaker 5: can't get direct answers until they get answers and your
Speaker 5: money is pooled with a bunch of other people. That's
Speaker 5: the industry. Ninety eight percent of people work that way.
Speaker 5: So so it you hear all these shows and they
Speaker 5: what they want you to do is is deposit money
Speaker 5: with that well not with them, but you know, with
Speaker 5: a with their firm. And then what they do is
Speaker 5: then find people to invest that and they pay the
Speaker 5: fee to part of the feed to them and make
Speaker 5: part of the feed for themselves for being a relationship manager.
Speaker 5: So if you like that, that's okay, But that's not
Speaker 5: taking your specific goals and your specific objectives and running
Speaker 5: with them.
Speaker 4: Okay.
Speaker 5: And as I said before, the number to calls three
Speaker 5: oh three, seven seven to one.
Speaker 4: Help for that or go to invest with Mark dot com.
Speaker 5: Now, as far as the radio show, it's three oh
Speaker 5: three Martino and we will help you with any problem anywhere.
Speaker 5: Just call that number twenty four to seven three oh
Speaker 5: three Martino and save all your problems for me.