WEBVTT 1 00:00:05.280 --> 00:00:10.640 Ripped news needed. That's when you don't have. 2 00:00:12.800 --> 00:00:15.199 Come running just as fast as we can. 3 00:00:16.480 --> 00:00:18.399 Shooter's gonna help come. 4 00:00:19.039 --> 00:00:25.399 Man Dix is the Troubleshooter Show. No Tom Martino, Hi 5 00:00:25.640 --> 00:00:26.440 Tom Martino. 6 00:00:26.600 --> 00:00:31.399 Here, let's do it again, solving problems, answering questions, taking complaints, 7 00:00:31.519 --> 00:00:35.719 just basically telling you what's right and wrong in the world. Well, actually, 8 00:00:35.759 --> 00:00:38.079 we all tell each other what's right and wrong, don't we. 9 00:00:38.240 --> 00:00:40.640 That's what we do here on the show, and been 10 00:00:40.640 --> 00:00:42.759 doing it for forty five years in Denver, and we 11 00:00:42.799 --> 00:00:44.560 are so happy to be here. 12 00:00:44.840 --> 00:00:45.240 Welcome. 13 00:00:45.320 --> 00:00:49.920 If you're joining us and you're streaming on YouTube, that's wonderful. 14 00:00:50.479 --> 00:00:54.679 If you're downloading our podcast from iHeart or Spotify or 15 00:00:54.719 --> 00:00:57.960 anywhere else, or if you simply are listening on the radio, 16 00:00:58.039 --> 00:01:00.000 we love that too. We want you to call through 17 00:01:00.320 --> 00:01:04.000 three Martino twenty four seven, three oh three six two 18 00:01:04.200 --> 00:01:08.719 seven eight four sixty six. And also if you have 19 00:01:08.959 --> 00:01:14.439 any concerns whatsoever, you can call us there with any time, 20 00:01:14.640 --> 00:01:16.840 and then we'll get you on the next show, so 21 00:01:17.159 --> 00:01:18.920 you never have to wait on hold. Of course, when 22 00:01:18.959 --> 00:01:21.480 we're on here live, you can call three oh three 23 00:01:21.760 --> 00:01:25.280 seven one three talk. That's the iHeart number here in 24 00:01:25.280 --> 00:01:27.480 Denver to seven one, three, eight two five five and 25 00:01:27.519 --> 00:01:29.920 you'll get right through as well. We also are talking 26 00:01:29.959 --> 00:01:33.719 about UH. We also have other ways to communicate. I 27 00:01:33.719 --> 00:01:37.079 have a personal Google number that actually goes to my 28 00:01:37.200 --> 00:01:39.840 cell phone that you can text at any time for 29 00:01:39.959 --> 00:01:44.760 any kind of information, including financial advisement that we're doing 30 00:01:45.120 --> 00:01:49.280 with Wave eight Wealth Management, and that you can text 31 00:01:49.280 --> 00:01:51.680 me if you have questions, or you can question anything 32 00:01:51.760 --> 00:01:54.879 on the show or offer me information. One guy, for example, 33 00:01:55.079 --> 00:01:57.719 it's seven four seven nine nine nine fifty two eighty 34 00:01:57.959 --> 00:01:58.319 one guy. 35 00:01:58.359 --> 00:01:58.719 Yesday. 36 00:01:58.719 --> 00:02:01.079 I think I might've been talking this, I don't know, 37 00:02:01.439 --> 00:02:03.959 but he happened to text me because I had a 38 00:02:04.000 --> 00:02:08.199 scuff on my bumper, like a scratch and almost looks 39 00:02:08.240 --> 00:02:10.360 like paint came off from the other car. And it 40 00:02:10.439 --> 00:02:12.800 was there when I got out of the gym. I 41 00:02:12.800 --> 00:02:15.000 thought it was the gym. They checked the security footage 42 00:02:15.039 --> 00:02:17.960 wasn't there. It was at Park Meadows right before I 43 00:02:18.000 --> 00:02:22.120 went there. And man, that's rude, isn't it When you 44 00:02:22.199 --> 00:02:24.280 hit somebody's car and you don't even stop, or you 45 00:02:24.280 --> 00:02:27.840 don't put a note and you just leave anyway. Yeah, 46 00:02:28.039 --> 00:02:33.719 I swear to God, the people are getting worse and 47 00:02:33.719 --> 00:02:35.599 worse and worse and worse and worse. They really are. 48 00:02:36.000 --> 00:02:38.520 I mean, there's a lot of nice people, but as 49 00:02:38.520 --> 00:02:42.159 far as the it seems like the bad are getting worse, 50 00:02:43.039 --> 00:02:45.280 and we just seemed to think we can get away 51 00:02:45.319 --> 00:02:48.840 with everything right anyway. So he for this is an example. 52 00:02:48.879 --> 00:02:52.479 He texted me saying, Hey, I got a guy. He's mobile, 53 00:02:52.560 --> 00:02:55.879 he works with several dealers, and he fixed my car. 54 00:02:55.919 --> 00:02:58.560 It was wonderful, he says. I'm very picky. I had 55 00:02:58.560 --> 00:03:04.199 deep scratches in it. He's standard blended painted. So that's 56 00:03:04.240 --> 00:03:06.719 something to consider because when you go to a body shop, 57 00:03:06.759 --> 00:03:09.960 you better you better well think three weeks, no matter what, 58 00:03:10.080 --> 00:03:15.280 three weeks minimum and probably two grand. I don't think 59 00:03:15.439 --> 00:03:18.759 any body shop anywhere you can get under two grand 60 00:03:19.120 --> 00:03:20.360 and under three weeks. 61 00:03:20.719 --> 00:03:22.599 That's just a fact of life. 62 00:03:22.919 --> 00:03:25.039 So anyway, you can text me there at the Google 63 00:03:25.120 --> 00:03:29.960 voice number seven four seven eighty or the short code 64 00:03:30.000 --> 00:03:30.800 for iHeart. 65 00:03:31.039 --> 00:03:31.960 We have a number. 66 00:03:32.240 --> 00:03:34.439 You put Tom in there, and and well not in 67 00:03:34.520 --> 00:03:36.280 the code, but you just put Tom in the message, 68 00:03:36.319 --> 00:03:39.360 it'll come to me. It's five seven seven three nine 69 00:03:39.439 --> 00:03:45.439 five seven seven three nine. And then of course if 70 00:03:45.439 --> 00:03:48.120 you go to YouTube look for the Troubleshooter network and 71 00:03:48.159 --> 00:03:53.159 then what you can do is hit the chat and 72 00:03:53.199 --> 00:03:56.000 talk to us or send me a message. Uh, let's 73 00:03:56.000 --> 00:03:58.360 go to uh, Deputy D. 74 00:03:58.560 --> 00:04:02.439 Deputy D. I think I saw you talking to someone 75 00:04:02.560 --> 00:04:03.919 about the robot dog. 76 00:04:04.039 --> 00:04:07.199 Yesterday a guy called kind of lonely. I mean it 77 00:04:07.240 --> 00:04:09.319 was really sad if you think about it. I mean, 78 00:04:09.360 --> 00:04:12.719 he really was upset. His name is Chris, and he 79 00:04:12.759 --> 00:04:16.759 has disabilities. He couldn't take care of his emotional support dog. 80 00:04:16.800 --> 00:04:19.120 He really, literally he said, could not take care of 81 00:04:19.120 --> 00:04:22.600 his dog. His friend took his emotional support dog, and 82 00:04:22.920 --> 00:04:28.160 he bought a mechanical dog, a Sony a bo aibo. 83 00:04:28.920 --> 00:04:31.920 It's a play on a Japanese word and also on 84 00:04:32.199 --> 00:04:38.639 AI artificial intelligence Sony a ball abo robotic dog. And 85 00:04:38.680 --> 00:04:41.360 it malfunctioned and he says he can't get them to 86 00:04:41.399 --> 00:04:42.720 do anything about it. 87 00:04:42.839 --> 00:04:45.000 He spent like three grand on this thing. I think. 88 00:04:45.360 --> 00:04:47.160 Yeah, with options, it came to about three and a 89 00:04:47.240 --> 00:04:48.839 half thousand dollars and. 90 00:04:49.560 --> 00:04:52.360 It's supposed to be a dog that learns, and I 91 00:04:52.360 --> 00:04:54.439 mean he really was looking forward to it. He gave 92 00:04:54.480 --> 00:04:56.680 it a name and everything. It was a sad in 93 00:04:56.720 --> 00:04:58.120 my opinion, a sad story. 94 00:04:57.920 --> 00:05:01.000 But anyway, a heartbreaking case. It back to Sony. 95 00:05:01.040 --> 00:05:04.040 Sony says, you know, there's nothing wrong with it that 96 00:05:04.079 --> 00:05:06.399 we can see, and this guy said, there's all kinds 97 00:05:06.439 --> 00:05:08.160 of things wrong with it, and he paid extra so 98 00:05:08.199 --> 00:05:11.720 the eye colors would change, and it's it's quite impressive 99 00:05:11.759 --> 00:05:14.720 online when you look at it. There's something on there 100 00:05:14.759 --> 00:05:18.639 that says it's sold as a final purchase and no refunds, 101 00:05:19.120 --> 00:05:22.120 which is weird for a Sony product, right. I think 102 00:05:22.160 --> 00:05:26.839 they're partnering with this Abo robot Dog. And in any case, 103 00:05:26.879 --> 00:05:30.319 even if there are no refunds, and even if purchases 104 00:05:30.399 --> 00:05:33.720 are final, for goodness sakes, you would think that they'd 105 00:05:33.720 --> 00:05:35.360 have some kind of warranty for it working. 106 00:05:35.639 --> 00:05:37.199 Were you able to get through to Sony. 107 00:05:37.600 --> 00:05:40.160 I spoke with not the primary contact, but someone who 108 00:05:40.240 --> 00:05:45.199 works with her and I you mean in the repair department, right, Yeah, 109 00:05:45.560 --> 00:05:46.920 you know I was. First of all, let me just 110 00:05:46.959 --> 00:05:48.560 give you a little bit of a background. The timeline 111 00:05:48.639 --> 00:05:51.199 is a lot more compressed than I thought. The Sony 112 00:05:51.399 --> 00:05:54.560 Dog shipped only on the seventeenth, and so he only 113 00:05:54.560 --> 00:05:55.639 got it about a month ago. 114 00:05:56.279 --> 00:05:58.399 So he got the whole thing a month ago. Yeah, 115 00:05:58.439 --> 00:05:59.360 and it didn't. 116 00:05:59.439 --> 00:06:03.600 He didn't seventeenth of October, September, September, okay, and then 117 00:06:03.639 --> 00:06:04.279 it went. 118 00:06:04.240 --> 00:06:08.319 Back to Sony on October fourth. So they've only had 119 00:06:08.360 --> 00:06:11.480 it twenty days. That's yeah, that's what it looks like. 120 00:06:11.560 --> 00:06:15.399 However, there is you know, twenty days doesn't sound unreasonable, 121 00:06:15.439 --> 00:06:18.920 but there is a big asterisk there. According to Chris, 122 00:06:19.399 --> 00:06:22.720 Natalie at the repair center told him that the entire 123 00:06:22.839 --> 00:06:25.279 body of the dog needs to be replaced. 124 00:06:25.480 --> 00:06:27.800 That has to come from Japan, and the whole body 125 00:06:27.839 --> 00:06:31.240 of the dog. Yeah, why not just replace the damn thing? 126 00:06:31.360 --> 00:06:34.360 Well, it's a really good question, Tom, This is why 127 00:06:34.439 --> 00:06:37.839 I called Sony. So she said it will take months 128 00:06:37.879 --> 00:06:44.759 to do that, and then she also, yeah, So Chris 129 00:06:44.839 --> 00:06:47.439 and I discussed what the two acceptable options would be. 130 00:06:47.600 --> 00:06:50.319 Of course, he's very very reasonable. He said, if they 131 00:06:50.319 --> 00:06:52.920 can't repair it or replace it, he would like to 132 00:06:52.920 --> 00:06:56.839 get a refund. Bush is a reasonable request, and if 133 00:06:56.879 --> 00:06:59.560 they can If they don't want to give him a refund, 134 00:07:00.240 --> 00:07:04.600 be okay with either a completely repaired dog, but you know, 135 00:07:04.800 --> 00:07:07.319 sooner rather, you know, than the months and months that 136 00:07:07.399 --> 00:07:10.519 Natalie thinks it will take, or just the complete replacement 137 00:07:10.959 --> 00:07:15.680 provided the dogs Well, the lady that I spoke with 138 00:07:15.879 --> 00:07:18.560 is going to pass my name and phone number to Natalie, 139 00:07:18.600 --> 00:07:21.000 who was busy she couldn't take my call just now. 140 00:07:21.399 --> 00:07:23.959 But you know, it was very easy to get to 141 00:07:24.000 --> 00:07:26.959 the Sony Electronics repair center, and it was very easy 142 00:07:27.000 --> 00:07:29.199 to get through to somebody who works with Natalie. So 143 00:07:29.560 --> 00:07:31.519 I'm optimistic that I'll be able to speak with her 144 00:07:31.720 --> 00:07:33.120 very you know during today's show. 145 00:07:33.560 --> 00:07:37.560 Good good, all right, three oh three seven one three 146 00:07:37.600 --> 00:07:40.399 talk seven one three eight two five five. I want 147 00:07:40.439 --> 00:07:43.759 to go to the phones and talk to Kirsten. Kirsten, 148 00:07:43.800 --> 00:07:47.319 what's going on? Hi, Kirsten, thank you so much for. 149 00:07:47.279 --> 00:07:48.000 Taking my call. 150 00:07:48.319 --> 00:07:48.959 What's happening? 151 00:07:49.959 --> 00:07:56.480 I have a new system in fall my repair that 152 00:07:56.720 --> 00:07:59.079 was sent to me through American home Shield. I'm an 153 00:07:59.079 --> 00:08:01.639 American home Shield clientt okay, So you. 154 00:08:01.720 --> 00:08:05.079 Got a brand new HVAC system that was and was 155 00:08:05.120 --> 00:08:08.279 it done as part of that warranty? 156 00:08:09.360 --> 00:08:12.519 Yes, I have a client of Americans. They had a 157 00:08:12.560 --> 00:08:16.240 special going where seventy five hundred dollars you could have 158 00:08:16.240 --> 00:08:19.319 a new HVAC system installed. So I had this done 159 00:08:19.360 --> 00:08:25.319 on March fourteenth of twenty twenty three, and then June. 160 00:08:25.120 --> 00:08:31.000 Third, we're having a little hold on Kirsten, you're kind 161 00:08:31.000 --> 00:08:34.000 of fading in and out a lot on your phone. 162 00:08:34.159 --> 00:08:36.759 I understand you had a new HVAC through American Home 163 00:08:36.759 --> 00:08:39.320 Shield March of twenty twenty three. 164 00:08:39.679 --> 00:08:42.720 But yeah, okay, that's a little better. So what's going 165 00:08:42.759 --> 00:08:43.200 on now? 166 00:08:44.600 --> 00:08:45.279 Okay, So. 167 00:08:47.279 --> 00:08:50.759 From my bathroom in my home, I had noticed that 168 00:08:50.879 --> 00:08:52.679 I was, you know, cleaning a lot, trying to get 169 00:08:52.679 --> 00:08:55.559 it cleaned up, but there was still a smell. And 170 00:08:55.600 --> 00:08:59.080 then on June seventh, right after I started running the 171 00:08:59.120 --> 00:09:02.120 air conditioner for the first time, the ceiling began leaking 172 00:09:02.240 --> 00:09:06.720 water from the ceiling. And then shortly after that we 173 00:09:06.840 --> 00:09:11.360 discovered there had been a water week because they did 174 00:09:11.440 --> 00:09:15.120 not fit the couplings together correctly when they installed the unit. 175 00:09:15.720 --> 00:09:18.559 But where's the water coming from? Air conditioning doesn't have 176 00:09:18.639 --> 00:09:19.919 water in it. 177 00:09:19.919 --> 00:09:23.240 It was coming from so the furnace and the coil 178 00:09:23.360 --> 00:09:26.240 are up in the attic of mycing so it goes 179 00:09:26.320 --> 00:09:29.320 up through the attic, and so the water was coming 180 00:09:29.360 --> 00:09:33.919 through the registers in the bathroom. So they we called 181 00:09:33.960 --> 00:09:37.320 CNR Repair out. They came out and they discovered they 182 00:09:37.360 --> 00:09:40.480 did not fit the couplings together correctly when they installed 183 00:09:40.480 --> 00:09:45.399 the unit. So they admitted fault. They admitted that they smelled, 184 00:09:45.559 --> 00:09:49.360 you know, something in the bathroom, and they filed a 185 00:09:49.600 --> 00:09:52.159 claim with their insurance, Acuity insurance. 186 00:09:53.679 --> 00:09:56.200 That's their insurance, not yours, right, Yes. 187 00:09:56.039 --> 00:09:59.159 Their insurance, because they accepted fault for this. 188 00:10:00.080 --> 00:10:02.200 So and then by. 189 00:10:04.000 --> 00:10:12.679 Let's see here. Then shortly after that, the AC units 190 00:10:12.759 --> 00:10:16.960 stopped working all together on June twenty first, and then 191 00:10:17.039 --> 00:10:19.679 there was a smell that began to just fill the 192 00:10:19.840 --> 00:10:23.279 entire home, this chemical smell, kind of a perfume smell. 193 00:10:24.279 --> 00:10:28.480 So I had them come out again, had city inspectors 194 00:10:28.519 --> 00:10:30.399 come out and stuff. They found there had been a 195 00:10:30.480 --> 00:10:34.480 refrigerant leak also in the unit, so we had them 196 00:10:34.559 --> 00:10:40.240 come out seeing our repair and they supposedly fixed the 197 00:10:40.320 --> 00:10:42.960 unit again, they did not pressure test it. They flooded it. 198 00:10:43.440 --> 00:10:45.879 They filled it with refrigerant a second time. So they 199 00:10:45.919 --> 00:10:50.960 flooded my home with refrigerants twice. I was out of 200 00:10:51.000 --> 00:10:52.600 my home for two months. 201 00:10:52.679 --> 00:10:54.879 They had two wait wait wait, you were out of 202 00:10:54.919 --> 00:10:57.559 your home because of this for two months? 203 00:10:57.600 --> 00:11:00.320 I was yes, well why two months? 204 00:11:01.120 --> 00:11:03.600 Because of the smell in the home. I had letters 205 00:11:03.600 --> 00:11:06.480 from my physician and then from my veterinarian. Because I 206 00:11:06.559 --> 00:11:08.879 have a golden retrieverse dating it was unsafe for us 207 00:11:08.879 --> 00:11:11.320 to be in the home because of these chemicals that were. 208 00:11:11.159 --> 00:11:11.600 In the home. 209 00:11:13.799 --> 00:11:17.240 Where does it stand right now? This was twenty twenty. 210 00:11:16.919 --> 00:11:20.480 Three, Yes, it is. It was twenty twenty three. So 211 00:11:20.559 --> 00:11:23.200 I was out of my home from the end of 212 00:11:24.519 --> 00:11:26.720 June until the beginning of September. 213 00:11:27.440 --> 00:11:29.120 While now, who paid for that? 214 00:11:30.879 --> 00:11:33.960 The insurance company does not want to reimburse me for 215 00:11:34.120 --> 00:11:37.440 my time out of my home because I stayed with 216 00:11:37.519 --> 00:11:38.080 my father. 217 00:11:38.320 --> 00:11:41.200 Who is you got to have a real that's why 218 00:11:41.240 --> 00:11:42.159 you got a haymark. 219 00:11:42.240 --> 00:11:43.360 I didn't know you were signed on. 220 00:11:43.559 --> 00:11:46.279 Yeah, but they're not going to reimburse you for something 221 00:11:46.279 --> 00:11:49.440 that was free. That's not how insurance works. If someone 222 00:11:49.519 --> 00:11:52.759 came over and fixed your kitchen, for example, for free, 223 00:11:52.840 --> 00:11:54.320 they're not going to reimburse you. 224 00:11:55.039 --> 00:11:55.440 Sure. 225 00:11:55.679 --> 00:11:58.759 Sure, So now now hold on, though, if you had 226 00:11:59.080 --> 00:12:01.879 extraordinary is because you were out of your home, there 227 00:12:01.960 --> 00:12:04.080 might be some reimbursement for some expense. 228 00:12:04.120 --> 00:12:06.759 I know generally there is, tom but she's saying she 229 00:12:06.879 --> 00:12:07.559 had zero. 230 00:12:09.360 --> 00:12:09.679 Hmmm. 231 00:12:10.720 --> 00:12:13.080 Is that what you're saying, Kirsen, You had no out 232 00:12:13.080 --> 00:12:13.600 of pocket? 233 00:12:14.399 --> 00:12:17.080 That is correct because my father was very kind and 234 00:12:17.159 --> 00:12:19.480 allowed me and my golden retriever to live with him 235 00:12:19.559 --> 00:12:22.799 during these two months. But I'm still trying to get 236 00:12:22.960 --> 00:12:27.360 continued mitigation on the home because they're still it's about 237 00:12:27.440 --> 00:12:30.279 ninety percent gone now, but every once in a while 238 00:12:30.320 --> 00:12:32.960 I will still catch it with of something. And my 239 00:12:33.080 --> 00:12:33.799 concern is. 240 00:12:33.720 --> 00:12:37.480 Been but is the HBAC system completely working now? 241 00:12:38.200 --> 00:12:38.320 Ye? 242 00:12:38.360 --> 00:12:38.720 It is. 243 00:12:38.759 --> 00:12:41.759 They came out and they he and our repair agreed 244 00:12:41.799 --> 00:12:45.200 to replace the air conditioners. So they replaced the air 245 00:12:45.240 --> 00:12:49.039 conditioner and the coil a second time because they had 246 00:12:49.480 --> 00:12:52.720 it had been running without refrigerant and that's like running 247 00:12:52.720 --> 00:12:55.159 a car without engine and the oil, you know, without 248 00:12:55.279 --> 00:12:58.480 oil and the engine. So they we got them to 249 00:12:58.600 --> 00:13:01.279 replace the air conditioner coil which is up in the 250 00:13:01.279 --> 00:13:05.480 attic a second time. So the unit is working. 251 00:13:05.879 --> 00:13:08.519 Okay, So the un is working. Our only issue right 252 00:13:08.559 --> 00:13:09.519 now is environmental? 253 00:13:09.600 --> 00:13:10.080 Is that right? 254 00:13:10.639 --> 00:13:10.919 It is? 255 00:13:11.000 --> 00:13:11.200 Yes. 256 00:13:11.240 --> 00:13:13.559 I'm trying to get the smell removed from my home 257 00:13:13.639 --> 00:13:15.919 so that I can sell the home for full market value. 258 00:13:15.960 --> 00:13:19.279 That's my concern. And the insurance company is it. 259 00:13:19.200 --> 00:13:22.240 Just smell or is it residual chemical? 260 00:13:23.039 --> 00:13:23.919 I don't know that. 261 00:13:24.000 --> 00:13:27.080 I don't know. I did have the mitigation company did 262 00:13:27.159 --> 00:13:30.600 do an initial round of chemical testing, and they said 263 00:13:30.639 --> 00:13:33.799 that there were low levels of volatile organic compounds in 264 00:13:33.840 --> 00:13:36.559 the home. But you know, low level is. 265 00:13:36.519 --> 00:13:37.279 Not no level. 266 00:13:37.519 --> 00:13:39.840 So okay. 267 00:13:40.559 --> 00:13:44.759 There is a company that I used to deal with 268 00:13:44.799 --> 00:13:50.440 many years ago that specialized in odors and in mitigation 269 00:13:50.799 --> 00:13:54.919 of chemicals and stuff like this called. 270 00:13:54.720 --> 00:14:00.159 Stink Ink stink Ink. Okay, I know it's crazy. Stink 271 00:14:00.200 --> 00:14:03.480 I n C stinkink dot com. Mark We ought to 272 00:14:03.480 --> 00:14:04.759 reach out to them again. They used to be on 273 00:14:04.759 --> 00:14:05.759 their refurless years ago. 274 00:14:07.039 --> 00:14:10.159 I think it's it looks like it's the same principles 275 00:14:10.279 --> 00:14:13.440 of this company they've extended go ahead. 276 00:14:14.039 --> 00:14:16.240 I was going to say. The situation right now is 277 00:14:16.320 --> 00:14:19.639 my mitigation company wants to bring in a second odor 278 00:14:19.679 --> 00:14:25.639 reloval company called Biosweep that they they will fully remove 279 00:14:25.679 --> 00:14:28.519 the odor. It's going to be about, you know, thirty 280 00:14:28.559 --> 00:14:31.120 five hundred dollars or so to have that done. The 281 00:14:31.159 --> 00:14:33.840 insurance company only wants to pay fifty percent of the 282 00:14:33.919 --> 00:14:35.639 mitigation on Now, why is that? 283 00:14:35.799 --> 00:14:38.840 Why Why do they feel they should only pay fifty percent. 284 00:14:39.000 --> 00:14:41.639 Because they feel like they've tried it one time before. 285 00:14:41.759 --> 00:14:46.639 They feel they well, that's tough, that's tough, exactly exactly exactly. 286 00:14:46.480 --> 00:14:48.600 Well, then you need to get a public adjuster or 287 00:14:48.679 --> 00:14:50.919 someone involved to fight your insurance company. 288 00:14:51.159 --> 00:14:54.159 Well it's not her insurance company she's fighting, it's their 289 00:14:54.240 --> 00:14:55.240 insurance company. 290 00:14:55.480 --> 00:14:58.639 Well, then she needs to sue them for the amount I. 291 00:14:58.639 --> 00:15:00.919 Need to sue the insurance company for the amount of that. 292 00:15:01.080 --> 00:15:02.279 Yeah, but you don't want to You don't want to 293 00:15:02.320 --> 00:15:04.759 sue anybody at this point. I understand. But that's what 294 00:15:05.000 --> 00:15:08.159 technically they're going to be responsible to you. I mean, 295 00:15:08.200 --> 00:15:11.200 that's a small claims court issue to that thirty five hundred. 296 00:15:11.240 --> 00:15:14.159 That's the good news is that is small claims. But first, 297 00:15:14.399 --> 00:15:17.120 let us have somebody take a stab at it. What 298 00:15:17.240 --> 00:15:18.279 do we have on today? 299 00:15:18.320 --> 00:15:19.840 What we've got? 300 00:15:19.879 --> 00:15:22.159 Deputy bow here a deputy. 301 00:15:21.759 --> 00:15:25.720 Dog Okay, Deputy bow especially Deputy bow In. 302 00:15:25.679 --> 00:15:27.200 This question for Kirsten. 303 00:15:27.879 --> 00:15:29.679 You know, before you do all of this, you might 304 00:15:29.720 --> 00:15:32.159 go and, uh, do you have the CA Do you 305 00:15:32.159 --> 00:15:35.960 have the ability to change the filter in the HVAC system. 306 00:15:36.440 --> 00:15:39.200 Yes, we've done that. We've done that several times. 307 00:15:39.240 --> 00:15:43.200 You might want to purchase a carbon filter, a carbon 308 00:15:43.399 --> 00:15:45.960 activated filter, carbon filters. 309 00:15:46.000 --> 00:15:48.120 Do you know what that that it could be in 310 00:15:48.159 --> 00:15:50.879 the filter of that system. They should probably have that 311 00:15:51.039 --> 00:15:52.559 HVAC system cleaned. 312 00:15:53.399 --> 00:15:56.399 Yes, like the oil in the refrigerant could be lingering 313 00:15:56.440 --> 00:15:59.919 in the ductwork, but I would vest in the reason 314 00:16:00.120 --> 00:16:03.639 both buy a carbon activated filter and then change it 315 00:16:03.759 --> 00:16:04.320 every week. 316 00:16:04.759 --> 00:16:05.879 And that may have it. 317 00:16:06.000 --> 00:16:08.159 But still I want you to call Bow to see 318 00:16:08.519 --> 00:16:10.320 if they can pay for some more mitigation. 319 00:16:10.399 --> 00:16:14.240 Okay, hang on check and Chris Kirson, We'll. 320 00:16:14.159 --> 00:16:15.919 Let you talk to Ball off their three all three 321 00:16:16.360 --> 00:16:19.399 seven one three talk seven one three a two five five. 322 00:16:25.000 --> 00:16:28.240 Go with a sure thing Denver's best roofer Excel Roofing 323 00:16:28.360 --> 00:16:31.000 dot com. You don't pay a cent until you're content. 324 00:16:34.399 --> 00:16:37.559 Time for an insurance check up free, no obligation. In comparison, 325 00:16:37.679 --> 00:16:41.279 call Compass Insurance paying too much your coverage at dozens 326 00:16:41.279 --> 00:16:44.000 of insurance companies find out now three oh three seven 327 00:16:44.000 --> 00:16:46.360 to seven to one help. You'll think you're his only 328 00:16:46.440 --> 00:16:48.919 customer when you choose Frank durand the real estate Man 329 00:16:48.960 --> 00:16:52.440 dot com to list your home with Remax Alliance three 330 00:16:52.440 --> 00:16:57.600 oh three nine two zero sixteen twenty two. Hi Tom 331 00:16:57.639 --> 00:17:00.360 Martino here three oh three seven one three talks. 332 00:17:00.120 --> 00:17:03.039 It on three A two five to five. All right. 333 00:17:04.799 --> 00:17:09.119 We are solving problems, answering questions, taking complaints, making the 334 00:17:09.200 --> 00:17:12.119 life a little easier now on the text message who 335 00:17:12.240 --> 00:17:15.920 also somebody on seven four seven nine nine I fifty 336 00:17:15.960 --> 00:17:21.799 two any recommended public adjuster. Public adjusters don't fight for now. Now, 337 00:17:21.920 --> 00:17:24.200 there's nothing wrong with getting a public adjuster to find 338 00:17:24.240 --> 00:17:27.039 out what is wrong and what is involved, because a 339 00:17:27.119 --> 00:17:30.920 regular adjuster for the other party for their insurance probably 340 00:17:31.319 --> 00:17:34.359 won't be as inclusive as somebody you hire for yourself. 341 00:17:34.640 --> 00:17:38.839 But they don't fight the other insurance company for you 342 00:17:38.880 --> 00:17:42.160 because you don't have a contractual relationship. I guess they 343 00:17:42.200 --> 00:17:46.079 could negotiate for you technically, but there is no threat 344 00:17:46.079 --> 00:17:48.400 of trouble damages, there is no bad faith, there is 345 00:17:48.440 --> 00:17:51.160 nothing to go after them. That's it's just a regular 346 00:17:51.400 --> 00:17:54.200 lawsuit for loss, and you don't take it. You don't 347 00:17:54.440 --> 00:17:56.920 sue the other insurance company. You sue the other the 348 00:17:56.960 --> 00:17:59.880 party that did it, the installer. So in this case, 349 00:18:00.079 --> 00:18:03.640 while a public adjuster can offer a lot of useful information, 350 00:18:04.160 --> 00:18:07.200 a public adjuster probably is not the way to go 351 00:18:07.319 --> 00:18:10.519 for fighting that other company. You'd want to get an 352 00:18:10.559 --> 00:18:13.119 attorney and just suit for damages, and you would sue 353 00:18:13.160 --> 00:18:17.680 not the insurance company, but the person who caused the damages. 354 00:18:18.759 --> 00:18:23.000 Our number is regular number, the iHeart number three oh 355 00:18:23.079 --> 00:18:27.880 three seven one three talk three oh three seven one 356 00:18:28.000 --> 00:18:30.839 three eight two five five, and then of course you 357 00:18:30.880 --> 00:18:33.839 can always call three oh three Martino twenty four seven, 358 00:18:33.880 --> 00:18:35.759 three oh three six two seven. 359 00:18:35.880 --> 00:18:37.160 Eight four sixty six. 360 00:18:37.680 --> 00:18:39.920 So a deputy doc during the break, I think it 361 00:18:39.960 --> 00:18:42.079 was during the break, was asking the literacy rate for 362 00:18:42.880 --> 00:18:47.039 the number one state for literacy and you were surprised, Doc, 363 00:18:47.200 --> 00:18:52.519 it was North Dakota. Why that There's not many people there, 364 00:18:52.559 --> 00:18:58.240 so probably literacy per capita is pretty high. Right, what 365 00:18:58.400 --> 00:19:02.319 did do they have a list of their states and literacy? 366 00:19:02.440 --> 00:19:04.799 Where does Colorado go on that list? Do you have 367 00:19:04.839 --> 00:19:05.240 a list? 368 00:19:06.039 --> 00:19:07.039 I'm getting it. Hold on. 369 00:19:07.400 --> 00:19:07.759 Yeah. 370 00:19:07.880 --> 00:19:12.119 And then as far as states and cities, did you 371 00:19:12.240 --> 00:19:19.440 know I didn't know this that Colorado is ninety. 372 00:19:17.839 --> 00:19:18.880 Oh, that's pretty cool. 373 00:19:19.000 --> 00:19:24.480 Ninety President is ninety one, Utah's ninety one, Wyoming's ninety two. 374 00:19:25.319 --> 00:19:28.319 So is that so we're among the highest two then 375 00:19:28.440 --> 00:19:30.039 in the nation's for yeah, for sure? 376 00:19:30.599 --> 00:19:36.440 Okay, and that is ninety three. Also, Now as far 377 00:19:36.680 --> 00:19:41.359 as what's the worst state, let me look go to 378 00:19:41.400 --> 00:19:42.480 the bottom of the list there. 379 00:19:42.519 --> 00:19:44.000 California is seventy nine. 380 00:19:45.519 --> 00:19:50.200 Okay, it is not surprising, it's seventy nine. The lolo. 381 00:19:51.000 --> 00:19:54.039 Yes, it's got to be like, oh that is yep, 382 00:19:54.359 --> 00:19:57.880 that's lower than say, Kentucky. 383 00:19:58.640 --> 00:20:02.200 Kentucky is see, Mississippi is. 384 00:20:03.920 --> 00:20:08.319 Yeah, Mississippi, Louisiana, and Alabama all in the eighties. 385 00:20:09.000 --> 00:20:14.000 Wow, Okay, now the number what would you think the 386 00:20:14.039 --> 00:20:17.200 most expensive city is in the country? 387 00:20:17.319 --> 00:20:19.279 Uh, San Francisco or New York. 388 00:20:21.160 --> 00:20:24.839 It's Minneapolis. Really yeah. 389 00:20:25.359 --> 00:20:29.000 As far as they take the population, they take the 390 00:20:29.160 --> 00:20:34.240 average salary, the average home price, average monthly rent, average expenses, 391 00:20:34.680 --> 00:20:38.079 come up with a formula and this and and what's 392 00:20:38.119 --> 00:20:43.160 amazing is they come up with the number one, and 393 00:20:43.240 --> 00:20:48.119 that is Minneapolis. And I'm shocked at these, by the way. 394 00:20:48.440 --> 00:20:51.839 Number two, oh no, no, it's I'm sorry, Minneapolis is 395 00:20:51.839 --> 00:20:54.279 not the most expensive, but it's in the top twenty. 396 00:20:54.319 --> 00:20:57.559 I've started at twenty. Let me start at one though. One. 397 00:20:57.920 --> 00:21:00.720 You're right if you said New York, right, New York, 398 00:21:00.920 --> 00:21:01.960 it's the most expensive. 399 00:21:01.960 --> 00:21:04.200 I'm sorry. San Francisco would be next. I don't think 400 00:21:04.200 --> 00:21:05.400 anyone's surprised by that. 401 00:21:06.200 --> 00:21:11.480 Then Honolulu, Hawaii, so all of those I understand completely. 402 00:21:11.960 --> 00:21:17.839 Boston for sure, that's number four. And now that's yeah, okay, 403 00:21:18.160 --> 00:21:23.759 And number five most expensive is Washington, d C. Now 404 00:21:23.880 --> 00:21:26.200 what do these have in common? Can we say they 405 00:21:26.279 --> 00:21:33.680 are red or blue? New York City is one two, 406 00:21:33.799 --> 00:21:34.640 He's a blue. 407 00:21:35.640 --> 00:21:39.920 You'll be hot pressed to find it's not blue. 408 00:21:40.400 --> 00:21:42.839 Boston's blue. So the top So you're saying just the 409 00:21:42.880 --> 00:21:44.839 city five at Washington, d C? 410 00:21:45.039 --> 00:21:45.440 Is blue. 411 00:21:45.559 --> 00:21:48.119 So so far the top five most expensive cities. But 412 00:21:48.200 --> 00:21:49.839 is that a do you really believe? 413 00:21:49.920 --> 00:21:52.400 Yeah? I guess you're right that most cities are blue. 414 00:21:52.400 --> 00:21:56.680 San Diego, California is number six, Seven is Los Angeles 415 00:21:57.279 --> 00:22:00.799 the most expensive, Seattle, Washington is number eight eight. You 416 00:22:00.799 --> 00:22:05.880 know Sacramento, Sacramento is the ninth most expensive, the tenth 417 00:22:05.880 --> 00:22:10.160 of Chicago so far every single Now the eleventh is Miami. 418 00:22:10.200 --> 00:22:12.440 Would you call Miami blue or red? 419 00:22:12.920 --> 00:22:17.319 Well, I would say blue. What I did say that 420 00:22:17.359 --> 00:22:19.680 it'd be blue without knowing the details. 421 00:22:20.839 --> 00:22:21.279 Okay. 422 00:22:21.599 --> 00:22:25.400 And then Raleigh, North Carolina is the twelfth, and Denver 423 00:22:25.519 --> 00:22:29.279 comes in at thirteenth in the top twenty. Then we 424 00:22:29.400 --> 00:22:34.799 have Portland after US in number fourteen. Tampa is number fifteen, 425 00:22:35.640 --> 00:22:41.200 Philadelphia sixteen, Atlanta seventeen, and this is where eighteen is 426 00:22:41.279 --> 00:22:44.799 New Orleans. And then where Charlotte, North Carolina is nineteen 427 00:22:44.880 --> 00:22:47.240 and then twenty is Minneapolis. So when I said that 428 00:22:47.400 --> 00:22:50.599 was one, it's in the top twenty and it's twentieth. 429 00:22:50.799 --> 00:22:53.759 But that's amazing to me that. 430 00:22:55.759 --> 00:22:59.599 It is, uh that there's so many if they're so 431 00:23:00.400 --> 00:23:03.160 in other words, different parts of the country in the 432 00:23:03.200 --> 00:23:05.920 top twenty. And I'd like to know, and I don't 433 00:23:05.920 --> 00:23:08.920 have the stat here, what is the most economic place 434 00:23:09.000 --> 00:23:09.319 to live? 435 00:23:09.640 --> 00:23:12.160 Now? What Barry Miller was doing in. 436 00:23:12.119 --> 00:23:15.680 Vestera, by the way, is he was looking He looks 437 00:23:15.720 --> 00:23:18.480 at markets for rentals, because you know, he helps you 438 00:23:18.559 --> 00:23:20.720 get into that business. That's a long story, and he's 439 00:23:20.759 --> 00:23:23.680 a sponsor. But in any case, he looks at, you know, 440 00:23:23.759 --> 00:23:28.960 where is the best place and the best markets for 441 00:23:29.160 --> 00:23:33.039 appreciation of rentals where you also get the best home 442 00:23:33.079 --> 00:23:37.680 prices to buy and then you also get good rent prices. 443 00:23:37.960 --> 00:23:40.920 And he puts together that research in order to know 444 00:23:40.960 --> 00:23:44.359 where to buy rentals. So there are so many matrix 445 00:23:44.400 --> 00:23:49.000 now that you can use, so many different characteristics you 446 00:23:49.039 --> 00:23:53.079 can use for all kinds of investing or where to live, 447 00:23:53.160 --> 00:23:58.839 where to move, what to do, And it really is useful. 448 00:23:58.880 --> 00:24:01.519 I mean, the information we have at our fingertips, right 449 00:24:01.559 --> 00:24:03.279 now is amazing to me. 450 00:24:03.720 --> 00:24:04.720 And how you can make. 451 00:24:04.599 --> 00:24:08.079 Such wise decisions if you put the information to work. 452 00:24:08.559 --> 00:24:10.680 So many people do kneed your crap. 453 00:24:10.920 --> 00:24:13.799 My brother the other day was talking about buying rentals 454 00:24:13.839 --> 00:24:17.000 in He picked the Moine, Iowa. And I said, well, 455 00:24:17.000 --> 00:24:18.240 why did you pick the moy And he said why 456 00:24:18.240 --> 00:24:21.039 I was going on across country and it looked like 457 00:24:21.079 --> 00:24:24.839 a nice city and it looks like, you know, hard 458 00:24:24.839 --> 00:24:27.319 working people, and he thought that would be a good 459 00:24:27.319 --> 00:24:29.759 place for rentals. Again, a lot of people do things 460 00:24:29.759 --> 00:24:32.759 on a motion or gut. Other people use an actual 461 00:24:32.839 --> 00:24:37.240 matrix of elements three three seven. 462 00:24:37.599 --> 00:24:38.200 Well, go ahead. 463 00:24:38.640 --> 00:24:41.279 One thing you can never go wrong is buying a 464 00:24:41.319 --> 00:24:43.839 place in a college town. You know, if you look 465 00:24:43.839 --> 00:24:46.839 at Boulder or an aubor or any place where there's 466 00:24:47.319 --> 00:24:48.400 a major college. 467 00:24:48.839 --> 00:24:52.000 The rentals are of course yeah, printing money. 468 00:24:52.279 --> 00:24:55.240 But even though the rentals might be good, doc one 469 00:24:55.319 --> 00:24:56.880 of the things you got to keep in mind, and 470 00:24:56.920 --> 00:24:59.279 this is what Barry Miller taught me fs Terra Turnkey. 471 00:25:00.119 --> 00:25:03.720 Even though the rents might be high, the appreciation might 472 00:25:03.799 --> 00:25:06.680 be low, or the price you pay going in is. 473 00:25:06.640 --> 00:25:07.960 So high you're not going to make a lot of 474 00:25:08.000 --> 00:25:11.680 money on the rentals. Or stuff, or you know, or 475 00:25:11.440 --> 00:25:15.079 the mortgages. I mean, there's so many more dynamics. 476 00:25:15.119 --> 00:25:15.720 But you're right. 477 00:25:16.200 --> 00:25:18.920 The college towns will keep things rented, but you don't 478 00:25:18.960 --> 00:25:22.119 necessarily make a big return on your money. Now, speaking 479 00:25:22.160 --> 00:25:24.559 of real estate, Frank durand the real Estateman dot com 480 00:25:24.599 --> 00:25:26.319 will let you know what your. 481 00:25:26.160 --> 00:25:26.920 House will sell for. 482 00:25:26.960 --> 00:25:28.720 If you're looking to get out of the state, out 483 00:25:28.720 --> 00:25:30.519 of the city, or you just want to make a 484 00:25:30.599 --> 00:25:32.720 lateral move, they'll let you know what your house will 485 00:25:32.720 --> 00:25:36.680 sell for. And it's a free analysis because and there's 486 00:25:36.680 --> 00:25:39.599 no obligation to list, but so many people want information. 487 00:25:39.720 --> 00:25:43.079 First three oh three, nine two zero, sixteen twenty two, 488 00:25:43.119 --> 00:25:50.759 Frank durand the real estate Man dot com. Go with 489 00:25:50.839 --> 00:25:54.400 a sure thing, Denver's best roofer Excel Roofing dot com. 490 00:25:54.440 --> 00:25:59.240 You don't pay a cent until your content on top 491 00:25:59.319 --> 00:25:59.680 of it. 492 00:26:00.160 --> 00:26:03.960 For an insurance checkup, free no obligation comparison call Compass 493 00:26:04.000 --> 00:26:07.279 Insurance paying too much your coverage at dozens of insurance 494 00:26:07.279 --> 00:26:10.400 companies find out now three oh three seven seven one help. 495 00:26:10.559 --> 00:26:13.200 You'll think you're his only customer when you choose Frank 496 00:26:13.279 --> 00:26:15.720 durand the real estate Man dot com to list your 497 00:26:15.759 --> 00:26:18.880 home with Remax Alliance three oh three nine two zero 498 00:26:19.039 --> 00:26:23.680 sixteen twenty two. Hi Tom Martino here, Welcome to the show. 499 00:26:24.359 --> 00:26:27.359 Three O three seven one three talk three oh three 500 00:26:27.519 --> 00:26:29.160 seven one three eight two five five. 501 00:26:29.720 --> 00:26:31.240 Gary's on the phone. 502 00:26:31.279 --> 00:26:34.519 Hello Gary, what can we do for you? What's happening? 503 00:26:34.599 --> 00:26:34.839 Sir? 504 00:26:35.640 --> 00:26:36.279 Hey Tom? 505 00:26:36.400 --> 00:26:41.799 Last November I had to find a new urologist. I 506 00:26:41.839 --> 00:26:46.279 picked Pike Speak your Logical Associates from Colorado Springs. At 507 00:26:46.279 --> 00:26:48.279 the time, I was cash pay. I called them and 508 00:26:48.319 --> 00:26:50.799 asked them what the see was. They said two hundred 509 00:26:50.799 --> 00:26:54.559 and thirty five dollars plus anything extra they had to do, 510 00:26:54.720 --> 00:26:57.519 like ultrasound to see if your bladder's MTN out. 511 00:26:58.079 --> 00:27:00.880 Now now hold on, now, Now you are originally needed 512 00:27:00.880 --> 00:27:05.480 to pick a urologist or urology practice. For what reason? 513 00:27:05.799 --> 00:27:09.440 Do you have ongoing problems? Gary, and your previous one's gone? 514 00:27:09.559 --> 00:27:10.759 Or explain that to me? 515 00:27:10.920 --> 00:27:16.559 Yeah, yeah, the previous urological doctor he moved out of state, 516 00:27:16.759 --> 00:27:21.960 practice closed. I get treated for an enlarged prostate. 517 00:27:22.559 --> 00:27:24.359 So yeah, yeah, okay. 518 00:27:24.440 --> 00:27:29.160 Now, now obviously, obviously it must be a little complicated 519 00:27:29.160 --> 00:27:33.039 because normally that's not a real that's you don't necessarily 520 00:27:33.079 --> 00:27:36.599 need to go to a specialist for that for BPH. 521 00:27:36.880 --> 00:27:40.759 If that's what you have, if it's benign prostate. 522 00:27:40.400 --> 00:27:42.039 It depends on what his PSA is. 523 00:27:42.119 --> 00:27:45.119 Tom Yeah, what what? But Gary? What was your I'm 524 00:27:45.200 --> 00:27:46.400 just now there's reasons. 525 00:27:46.400 --> 00:27:47.960 I'm asking this, by the way, because I think this 526 00:27:48.039 --> 00:27:49.079 is going into insurance. 527 00:27:49.079 --> 00:27:50.640 But what is your PSA? 528 00:27:52.599 --> 00:27:53.319 It was eight? 529 00:27:54.720 --> 00:27:55.400 It was what. 530 00:27:56.960 --> 00:27:57.200 Eight? 531 00:27:58.799 --> 00:28:01.640 Wait a minute, it's a like in one, two, three, four, 532 00:28:01.720 --> 00:28:02.119 five six? 533 00:28:03.559 --> 00:28:08.119 Jeesus outs eight oh and I take two prescriptions. 534 00:28:08.799 --> 00:28:11.400 By the way, Gary, you know, I want to ask 535 00:28:11.400 --> 00:28:17.079 the obvious. You were tested for prostate cancer, right, correct? 536 00:28:17.279 --> 00:28:17.920 I have BOPS. 537 00:28:17.960 --> 00:28:19.880 He's done on the prostate nearraw negative. 538 00:28:20.799 --> 00:28:24.319 Really, hey, Doc, have you ever heard of that hive 539 00:28:24.400 --> 00:28:26.000 a PSA without cancer? 540 00:28:30.160 --> 00:28:30.240 Is? 541 00:28:30.279 --> 00:28:30.480 Doc? 542 00:28:31.039 --> 00:28:33.880 He just dropped didn't have prostates? 543 00:28:35.000 --> 00:28:35.200 Yeah? 544 00:28:35.240 --> 00:28:37.319 I know, but you know, I know, I'm just kidding. 545 00:28:37.400 --> 00:28:40.039 Doc. You know about it? I mean, have you ever No? 546 00:28:40.079 --> 00:28:40.519 I have not. 547 00:28:41.759 --> 00:28:44.000 Okay, Now, Gary, like I said, okay, so you picked 548 00:28:44.000 --> 00:28:46.799 this place Pike's Peak, and and what went wrong? 549 00:28:46.920 --> 00:28:47.960 I mean, what's the problem. 550 00:28:48.640 --> 00:28:52.200 Well, they told me the the office visit was two 551 00:28:52.279 --> 00:28:54.599 thirty five plus any of the little extra. 552 00:28:54.720 --> 00:28:58.839 It's like, now, why are you self pay well at. 553 00:28:58.720 --> 00:29:04.480 The time, I didn't have any healthings, okay age, But 554 00:29:05.559 --> 00:29:09.000 so then I get a bill for three hundred and 555 00:29:09.039 --> 00:29:14.200 sixty five dollars plus the little extra charges, and I 556 00:29:14.359 --> 00:29:16.640 call and tell them that they built me wrong because 557 00:29:16.680 --> 00:29:19.279 I paid the cash when I had the. 558 00:29:19.240 --> 00:29:23.039 Office visit, and they're supposed to let you know all 559 00:29:23.160 --> 00:29:24.279 charges when you asked. 560 00:29:25.319 --> 00:29:27.400 You know, Mark has a real problem with this with 561 00:29:27.480 --> 00:29:29.759 this law because, like you said. 562 00:29:30.119 --> 00:29:33.160 Mark, explained your issue with this because we always talk 563 00:29:33.200 --> 00:29:34.079 about this law. 564 00:29:34.119 --> 00:29:37.799 Well, I'm talking more or less about hospitals and emergency rooms. 565 00:29:37.799 --> 00:29:41.839 Though they passed a rule or a law that says 566 00:29:41.839 --> 00:29:45.079 they have to post prices. The problem is if they don't, 567 00:29:45.400 --> 00:29:50.839 there's nothing that happens. There's absolutely no ramifications to breaking 568 00:29:50.920 --> 00:29:51.359 the law. 569 00:29:51.799 --> 00:29:56.039 Now, Mark, I also believe that law is incumbent upon 570 00:29:56.279 --> 00:30:00.519 private clinics as well just regular health care facility. And 571 00:30:00.599 --> 00:30:03.680 I'm not sure they have to just post it conspicuously 572 00:30:04.039 --> 00:30:07.160 or is it something people ask about. 573 00:30:07.440 --> 00:30:09.759 We should get someone to explain that once and for all. 574 00:30:09.799 --> 00:30:13.119 But in any case, so Gary, they said two fifty 575 00:30:13.160 --> 00:30:17.279 five and your bill was over four hundred now two 576 00:30:17.759 --> 00:30:19.000 five two thirty five? 577 00:30:19.039 --> 00:30:21.960 Sorry, Well may I paid that at the time. I 578 00:30:21.960 --> 00:30:23.920 had the office visit, and then the next month I 579 00:30:23.920 --> 00:30:27.960 get a bill for three sixty five plus the extras, 580 00:30:28.519 --> 00:30:30.880 and I paid the extras, but I didn't pay this. 581 00:30:31.079 --> 00:30:32.519 How much were the extras? 582 00:30:33.799 --> 00:30:35.880 It was like forty five dollars something long? 583 00:30:35.920 --> 00:30:38.680 Okay, So why did they go from two thirty five 584 00:30:38.720 --> 00:30:40.039 to three sixty five? 585 00:30:41.440 --> 00:30:44.119 They just tell me that's the charge? And I talked 586 00:30:44.119 --> 00:30:47.480 to billing every month for about eight months. They said 587 00:30:47.480 --> 00:30:48.440 they would correct it. 588 00:30:48.519 --> 00:30:51.359 They don't now, no, no way, do you have proof? 589 00:30:51.400 --> 00:30:52.240 Hold on? Hold on? 590 00:30:52.640 --> 00:30:55.640 Why did someone tell you to thirty five? If it 591 00:30:55.759 --> 00:30:58.039 was three sixty five? If they said that's the price, 592 00:30:58.359 --> 00:30:59.680 then who misquoted you? 593 00:31:01.079 --> 00:31:01.559 There would have. 594 00:31:01.599 --> 00:31:03.519 Been the people in the medical office. 595 00:31:04.799 --> 00:31:09.160 Do any of them admit that they they did that? Well? 596 00:31:09.160 --> 00:31:10.960 When I call the office to talk. 597 00:31:10.799 --> 00:31:11.799 Hold on, I got hold on. 598 00:31:12.119 --> 00:31:13.400 Let me give you a little more time and let 599 00:31:13.400 --> 00:31:14.880 me take this break. I got more coming up. I 600 00:31:14.920 --> 00:31:17.319 want to find out about this. Everyone should be concerned 601 00:31:17.319 --> 00:31:25.480 about clinics because it happens all the time. Go with 602 00:31:25.519 --> 00:31:29.119 a sure thing Denver's Best roofer excel roofing dot com. 603 00:31:29.160 --> 00:31:29.799 You don't pay a. 604 00:31:29.799 --> 00:31:35.920 Cent until you're content. Please time for an insurance check up? 605 00:31:36.039 --> 00:31:40.079 Free no obligation comparison call Compass Insurance paying too much 606 00:31:40.240 --> 00:31:43.160 your coverage at dozens of insurance companies find out now 607 00:31:43.240 --> 00:31:45.759 three oh three seven seven to one help. You'll think 608 00:31:45.759 --> 00:31:48.319 you're his only customer when you choose Frank durand the 609 00:31:48.400 --> 00:31:51.039 real estate Man dot com to list your home with 610 00:31:51.160 --> 00:31:56.759 Remax Alliance three oh three nine two zero sixteen twenty two. 611 00:31:57.799 --> 00:32:00.920 Hi Tom Artino here three three even won three talks 612 00:32:00.920 --> 00:32:03.720 seven one three eighty five five. Okay, so Gary, you 613 00:32:03.720 --> 00:32:06.480 know it seems like a simple matter. You were quoted 614 00:32:06.519 --> 00:32:08.960 two thirty five. They charged you three sixty five for 615 00:32:09.000 --> 00:32:12.839 an office visit. But will they admit that they gave 616 00:32:12.880 --> 00:32:14.680 you the wrong price or do you have it in 617 00:32:14.720 --> 00:32:17.799 an email or somewhere you can show them, because if 618 00:32:17.839 --> 00:32:19.960 we call them, they'll simply say. 619 00:32:20.119 --> 00:32:21.839 Three sixty five is our price. 620 00:32:23.200 --> 00:32:25.960 Oh I've called several times. They tell me, yeah, you're 621 00:32:26.039 --> 00:32:29.200 right two thirty five. We'll update your billing. And then 622 00:32:29.279 --> 00:32:31.720 the next month I get a bill with the three 623 00:32:31.799 --> 00:32:32.599 sixty five. 624 00:32:32.720 --> 00:32:35.200 I call billings, Well, why would you get the three 625 00:32:35.279 --> 00:32:38.880 sixty five if you've already paid the two thirty five. 626 00:32:40.359 --> 00:32:43.240 Well, it shows three sixty five and a credit to 627 00:32:43.319 --> 00:32:44.160 two thirty five. 628 00:32:44.319 --> 00:32:47.119 So it's a ballots due. Okay, got it? Got it? 629 00:32:47.319 --> 00:32:50.240 So okay when you call, when you call, they keep 630 00:32:50.440 --> 00:32:51.960 just billing you the same amount. 631 00:32:53.200 --> 00:32:55.960 Yeah, they said, oh yeah, you're right, we'll correct it, 632 00:32:56.039 --> 00:32:57.480 and then it doesn't get correct. 633 00:32:57.519 --> 00:32:59.480 But I want to ask you something straight up. If 634 00:32:59.519 --> 00:33:02.240 I went in there today for a for a and 635 00:33:02.279 --> 00:33:06.480 I went in there for something visit, would it be 636 00:33:07.799 --> 00:33:08.920 three sixty five? 637 00:33:10.440 --> 00:33:10.880 I don't know. 638 00:33:11.119 --> 00:33:13.720 I haven't I haven't called anonymous plea or anything and 639 00:33:13.839 --> 00:33:17.519 ass but you know this was last November. It we're 640 00:33:17.559 --> 00:33:18.759 almost a year later. 641 00:33:18.920 --> 00:33:28.039 And and doctor Billy, Yeah, okay, did they say. 642 00:33:28.000 --> 00:33:32.160 Yeah, we'll correct it now, Well we can call for you. 643 00:33:32.200 --> 00:33:35.720 The problem is going to be the same old crap 644 00:33:35.799 --> 00:33:39.000 with the medical stuff. It's well, I know, but he 645 00:33:39.079 --> 00:33:42.240 can sign something saying they can talk to us. But 646 00:33:43.480 --> 00:33:45.720 let's see if we can come up with some suggestions 647 00:33:45.720 --> 00:33:48.160 for him. Meanwhile, people give us a call three all 648 00:33:48.200 --> 00:33:50.440 three seven one three talk seven one three eight two 649 00:33:50.519 --> 00:33:54.200 five five go with a sure thing Denver's Best roofer 650 00:33:54.359 --> 00:33:55.839 excel roofing dot com. 651 00:33:55.880 --> 00:33:57.920 You don't pay a cent until you're content. 652 00:34:01.279 --> 00:34:04.480 Time for an insurance check up free no obligation in comparison, 653 00:34:04.599 --> 00:34:08.159 call Compass insurance paying too much your coverage at dozens 654 00:34:08.159 --> 00:34:10.920 of insurance companies. Find out now three all three seven 655 00:34:11.000 --> 00:34:13.840 seven to one help. You'll think you're his only customer 656 00:34:13.840 --> 00:34:16.119 when you choose Frank durand the real estate man dot 657 00:34:16.159 --> 00:34:19.440 com to list your home with Remax Alliance three all 658 00:34:19.480 --> 00:34:24.719 three nine two zero sixteen twenty two. 659 00:34:22.239 --> 00:34:32.320 Yeah, ripped up. You need that so you don't have. 660 00:34:34.920 --> 00:34:38.000 Run anxious stas as you can show. 661 00:34:38.199 --> 00:34:39.480 Shooter's gonna help. 662 00:34:39.760 --> 00:34:46.679 Come man, this is the Troubleshooter Show. No Tom Martino, Hey. 663 00:34:46.559 --> 00:34:48.920 Tom Martino here, Welcome to the show. Three all three 664 00:34:49.039 --> 00:34:53.000 seven one three talk seven one three eight two five five. 665 00:34:53.519 --> 00:34:57.159 We're here helping you to solve your problems. Answers your questions, 666 00:34:57.159 --> 00:35:00.920 take your complaints. And one thing that came up about 667 00:35:01.280 --> 00:35:03.679 medical clinics, they're supposed to show pricing. 668 00:35:05.199 --> 00:35:08.119 I don't know any of that are I don't know 669 00:35:08.159 --> 00:35:09.800 any of that are They're. 670 00:35:09.639 --> 00:35:16.400 Supposed to show pricing, and if they don't, nothing happens. 671 00:35:18.079 --> 00:35:20.400 This guy was told an office visit was going to 672 00:35:20.440 --> 00:35:21.400 be two sixty five. 673 00:35:21.679 --> 00:35:23.000 He was built three sixty five. 674 00:35:23.079 --> 00:35:29.400 Well, Tom, you know there's probably a legal distinction between 675 00:35:29.480 --> 00:35:31.559 a clinic and a private practice. 676 00:35:32.239 --> 00:35:34.880 So you know, when you're talking about how do you 677 00:35:34.880 --> 00:35:35.360 figure that? 678 00:35:36.000 --> 00:35:39.400 Well, because when I was what is the law called? 679 00:35:39.480 --> 00:35:40.800 By the way, I want to look it up. What 680 00:35:40.880 --> 00:35:41.880 is this law called? 681 00:35:42.800 --> 00:35:45.199 I don't know of hand, but there's a big difference 682 00:35:45.199 --> 00:35:47.239 between it's a private practice. 683 00:35:47.239 --> 00:35:47.960 The name of that laws. 684 00:35:48.159 --> 00:35:51.480 What's that for, doc, There's a difference between a clinic 685 00:35:51.800 --> 00:35:53.079 and a private practice. 686 00:35:54.320 --> 00:35:55.639 So I'm not sure what to take. 687 00:35:55.800 --> 00:35:59.239 I mean, the law would be why would they get away? Okay, 688 00:35:59.360 --> 00:36:01.119 I I don't know if I agree with that. 689 00:36:01.199 --> 00:36:04.679 I mean, obviously, you know, there might be a difference 690 00:36:04.719 --> 00:36:06.079 in business structure and stuff. 691 00:36:06.079 --> 00:36:09.159 But if they're I'm already sure it's just hospitals what 692 00:36:09.199 --> 00:36:11.199 you're referring to really market. 693 00:36:11.000 --> 00:36:15.760 That much as I hate to admit it, Well, I 694 00:36:15.760 --> 00:36:16.119 don't know. 695 00:36:16.239 --> 00:36:18.320 I mean, I don't know anything about the law really. 696 00:36:18.400 --> 00:36:21.199 I haven't really made myself aware of it, and I 697 00:36:21.239 --> 00:36:21.639 don't know. 698 00:36:22.119 --> 00:36:26.320 Okay, it's called Colorado's Hospital Price Transparency. 699 00:36:26.360 --> 00:36:27.760 It's only hospital price. 700 00:36:27.760 --> 00:36:31.760 It's called Yeah, I'm gonna download the entire body of 701 00:36:31.840 --> 00:36:32.880 law and okay. 702 00:36:32.719 --> 00:36:34.519 Then that that explains it. 703 00:36:34.559 --> 00:36:37.880 So Mark, Yeah, it seems to be just medical You know, 704 00:36:38.039 --> 00:36:44.639 like hospitals. Gary, Well, we'll research it again. Doc had 705 00:36:44.679 --> 00:36:49.639 some advice for you, though, DOC says, ignore it. What 706 00:36:49.679 --> 00:36:51.920 are they going to do, Gary, They don't sue anymore, 707 00:36:51.960 --> 00:36:53.280 They can't ding your credit for it. 708 00:36:53.320 --> 00:36:57.000 What are they gonna do? You know? 709 00:36:57.079 --> 00:36:58.960 I just wondered if it was going to go on 710 00:36:59.000 --> 00:36:59.800 the credit report. 711 00:37:01.480 --> 00:37:04.039 They don't do it anymore. Well, they don't do it anymore. 712 00:37:04.199 --> 00:37:06.960 Well, I'm not so sure about that, but they can 713 00:37:07.039 --> 00:37:10.119 turn it over to collections. Of course. I don't know 714 00:37:10.159 --> 00:37:13.000 how the reporting works right now, but I think after 715 00:37:13.039 --> 00:37:15.079 a year they can go ahead and report it on 716 00:37:15.119 --> 00:37:17.320 your credit. But they would still have to take you 717 00:37:17.400 --> 00:37:19.159 to court and actually get the judgment. 718 00:37:21.639 --> 00:37:21.840 Yeah. 719 00:37:22.199 --> 00:37:23.679 I would be prepared to go to court. 720 00:37:23.880 --> 00:37:25.840 Yeah, I don't think they Yeah, how are you going 721 00:37:25.920 --> 00:37:26.440 to prove it? 722 00:37:28.679 --> 00:37:30.800 Well, it's one hundred and twenty eight bucks. I don't 723 00:37:30.800 --> 00:37:34.079 think anybody's gonna waste their time bringing them to court 724 00:37:34.159 --> 00:37:36.119 for one hundred and twenty eight bucks. 725 00:37:35.920 --> 00:37:36.559 That's what I mean. 726 00:37:37.360 --> 00:37:40.760 Yeah, that's why I think you're ignoring it and just 727 00:37:40.760 --> 00:37:42.360 going on with your life yet about it? 728 00:37:43.480 --> 00:37:48.480 Okay, And as of jet, there's a law here that 729 00:37:48.679 --> 00:37:51.320 went into effect in twenty twenty three, that the credit 730 00:37:51.360 --> 00:37:56.679 bureaus have a one year grace period for unpaid bills 731 00:37:56.719 --> 00:38:00.000 before they hit on your credit report, so they can 732 00:38:00.000 --> 00:38:02.480 and still report it, but they have to wait one 733 00:38:02.559 --> 00:38:09.480 full year, and then small medical debts are excluded. 734 00:38:09.920 --> 00:38:12.320 As of March twenty twenty. 735 00:38:11.880 --> 00:38:18.480 Three, the credit bureaus will not report debts under five 736 00:38:18.599 --> 00:38:24.719 hundred dollars. Huh, huh, okay, okay, and then basically oh 737 00:38:24.880 --> 00:38:28.719 also when a medical debt can still appear on your 738 00:38:28.719 --> 00:38:34.960 report after one year and more than five hundred dollars, however, 739 00:38:35.960 --> 00:38:40.760 they do not give weight to them on your credit report. 740 00:38:41.840 --> 00:38:50.159 So they've really taken the sting out of medical bills. Okay, 741 00:38:50.440 --> 00:38:53.559 and if you pay it, and if you do pay it, 742 00:38:53.559 --> 00:38:56.320 it doesn't ever show up, not as a pass do 743 00:38:56.480 --> 00:39:03.320 that's satisfied nothing, So they can appear they have to 744 00:39:03.320 --> 00:39:04.760 be under they they they're not. 745 00:39:04.960 --> 00:39:07.039 They have to be over five hundred. They have to 746 00:39:07.079 --> 00:39:09.639 wait a year and then. 747 00:39:09.559 --> 00:39:14.920 Paid collections, every bit of it's removed and then there's 748 00:39:15.039 --> 00:39:17.719 no debt. There's no weight given to them for your 749 00:39:17.719 --> 00:39:20.559 credit score. So I don't see a consequence here, bro, 750 00:39:21.000 --> 00:39:24.159 I don't let us know what happens. I mean, truly 751 00:39:24.320 --> 00:39:27.360 there's not much you can do. Three oh three seven 752 00:39:27.480 --> 00:39:31.119 one three talk seven one three eight two five five. Carolyn, 753 00:39:31.400 --> 00:39:34.639 Welcome to the show. I'm Tom Martine. What's going on, Carolyn? 754 00:39:35.719 --> 00:39:41.840 Well, we finally are finished with the b dishwasher issue. 755 00:39:42.159 --> 00:39:44.159 How long ago did you call, Carolyn? 756 00:39:44.880 --> 00:39:47.920 It was July nineteenth, Tom at one July. 757 00:39:48.519 --> 00:39:49.360 Did you handle it? 758 00:39:49.440 --> 00:39:49.599 Bo? 759 00:39:50.039 --> 00:39:53.480 Yes, Mark was the host. It was a long time ago. 760 00:39:53.920 --> 00:39:56.880 But go ahead, Carolyn with the story. It came out 761 00:39:56.920 --> 00:39:58.159 to be a success. 762 00:40:00.000 --> 00:40:03.119 The whole thing started on April twenty seconds when we 763 00:40:03.239 --> 00:40:07.280 purchased a Bosh dishwasher through Lows and we had it 764 00:40:07.360 --> 00:40:11.119 installed and it didn't work. The soap dish would not open. 765 00:40:11.679 --> 00:40:15.000 So we called Loads. They said, you have to deal 766 00:40:15.039 --> 00:40:17.920 with Bosh. We called Bosh, they said, okay, we'll send 767 00:40:17.920 --> 00:40:21.000 out three d who are their repair people here in 768 00:40:21.079 --> 00:40:25.079 Colorado Springs. I have a summary of what happened after that. 769 00:40:26.880 --> 00:40:31.559 Between the very first week in May when I called Bosh, 770 00:40:31.960 --> 00:40:38.559 I have had fifteen phone calls with D three, eighteen emails, 771 00:40:38.599 --> 00:40:42.440 and twenty four texts. They also visited the house on 772 00:40:42.519 --> 00:40:48.400 eight different occasions and replaced eight different parts on two 773 00:40:48.440 --> 00:40:54.400 different occasions, one in July and one in September, their 774 00:40:54.559 --> 00:40:59.840 technicians called the repairman from D three. This has to 775 00:40:59.880 --> 00:41:05.679 be returned. It cannot be fixed. And finally, oh, in 776 00:41:05.719 --> 00:41:09.119 addition to all of that with Bosh themselves, I had 777 00:41:09.239 --> 00:41:13.719 eighteen phone calls and twenty four email interactions with them, 778 00:41:14.000 --> 00:41:16.480 and I documented every one of those as to what 779 00:41:16.639 --> 00:41:20.519 happened during that call. You certainly don't want to hear 780 00:41:20.559 --> 00:41:21.400 all the details. 781 00:41:21.519 --> 00:41:22.760 No, So where did it end up? 782 00:41:22.800 --> 00:41:22.960 Then? 783 00:41:22.960 --> 00:41:24.119 What do you have right now? 784 00:41:25.000 --> 00:41:30.719 Well, finally there was no surprise when the refund came 785 00:41:30.800 --> 00:41:34.559 through to Low's and all kinds of paperwork problems gave up. 786 00:41:34.840 --> 00:41:36.000 Where's the dishwasher? 787 00:41:37.320 --> 00:41:41.599 It left my house last week and it went back 788 00:41:41.639 --> 00:41:45.639 to Low's. And Low's has given me credit on my 789 00:41:45.840 --> 00:41:49.320 credit card so that I can buy anything I want 790 00:41:49.639 --> 00:41:54.280 from anyone I want, and I credit BO with the 791 00:41:54.320 --> 00:41:57.559 calls that he made to the media department. He and 792 00:41:57.599 --> 00:42:00.320 I both stayed on top of this throughout the fire 793 00:42:00.440 --> 00:42:04.440 summer and commiserated with each other about our lack of progress. 794 00:42:04.519 --> 00:42:08.800 But we finally did it. Bo, It finally happened. Good 795 00:42:10.159 --> 00:42:12.679 wearing me down. I think they just wanted to wear 796 00:42:12.719 --> 00:42:13.360 me down. 797 00:42:13.519 --> 00:42:17.920 But they wanted to wear me down, Carolina, We've got success. 798 00:42:18.079 --> 00:42:19.960 I'm very happy. It took a long yeah. 799 00:42:20.039 --> 00:42:23.599 Yeah, And you know, thanks Bo for giving your direction 800 00:42:23.719 --> 00:42:27.039 on that. And I like it because I need to 801 00:42:27.159 --> 00:42:30.800 use my dinger every once in a while. 802 00:42:31.000 --> 00:42:31.960 If you don't, you. 803 00:42:31.920 --> 00:42:34.480 Can lose it. Hey, Carolyn, thank you very much for 804 00:42:34.599 --> 00:42:36.559 letting us know. Seriously, a lot of people don't let 805 00:42:36.639 --> 00:42:39.519 us know when things work out, and we love hearing it. 806 00:42:40.559 --> 00:42:44.199 Well, I'd like to tell you something. One statement I 807 00:42:44.239 --> 00:42:47.079 just want to make. I really do believe that Bosh 808 00:42:47.199 --> 00:42:52.039 makes good products, but everybody in manufacturing makes a bad 809 00:42:52.079 --> 00:42:55.960 one once in a while. Yes, that is excusable. The 810 00:42:55.960 --> 00:43:01.599 fact that their customer's service was incredible and very difficult 811 00:43:01.639 --> 00:43:06.239 to deal with is not excusable. And I continue to 812 00:43:06.360 --> 00:43:10.519 get emails from them, what guy, what got one last 813 00:43:10.519 --> 00:43:14.039 week where the customer services We're so sorry you're to 814 00:43:14.079 --> 00:43:16.800 have these problems with the dishwasher. Have you tried to 815 00:43:16.840 --> 00:43:21.000 clean the soap dish? Maybe some food particles are caught 816 00:43:21.039 --> 00:43:23.760 in it, or maybe the whole thing was installed wrong 817 00:43:23.880 --> 00:43:27.039 and that's why the dryer isn't working. Dryer was never 818 00:43:27.239 --> 00:43:30.199 an issue and that never ran, so there are no 819 00:43:30.239 --> 00:43:34.280 food particles in the thing. Their customer service department has 820 00:43:34.400 --> 00:43:39.039 no internal communication obviously, and this morning they sent me 821 00:43:39.079 --> 00:43:43.360 a thing offering me some more guaranteed extended warranty on 822 00:43:43.519 --> 00:43:46.239 the product that left the house a week ago. 823 00:43:47.079 --> 00:43:49.320 Yeah, that's all automated crap. 824 00:43:49.960 --> 00:43:54.320 Yeah, it's all and none of it is coordinated and 825 00:43:54.360 --> 00:43:57.559 none of it is designed to make the customer happy 826 00:43:58.119 --> 00:43:58.480 at all. 827 00:43:59.320 --> 00:44:01.639 Well that's the that's the way of the world right now. 828 00:44:01.679 --> 00:44:04.239 It is very difficult to get satisfaction. You know who 829 00:44:04.320 --> 00:44:06.559 I feel has some of the best customer service in 830 00:44:06.599 --> 00:44:09.920 the world in the world is Amazon. It's amazing to me. 831 00:44:10.280 --> 00:44:12.559 You can go through the drill down for the help 832 00:44:12.679 --> 00:44:16.360 menu and then they'll call you. They'll call you, and 833 00:44:16.400 --> 00:44:19.199 you'll get a call within minutes, and they listen and 834 00:44:19.239 --> 00:44:21.880 they take care of it. I mean, it's amazing to 835 00:44:21.920 --> 00:44:23.599 me how good they are, even when you don't have 836 00:44:23.639 --> 00:44:27.760 a prime or approved a seller. If they're on Amazon, 837 00:44:27.840 --> 00:44:31.239 they really help. And then I think Google also has 838 00:44:31.320 --> 00:44:34.079 great customer service. And these are companies you would expect 839 00:44:34.760 --> 00:44:37.039 they do not have good service. The worst service in 840 00:44:37.039 --> 00:44:40.440 my opinion, as far as big conglomerates and online would 841 00:44:40.440 --> 00:44:45.360 be eBay terrible. And however, a lot of people have 842 00:44:46.119 --> 00:44:48.159 talked about Frontier not having good service. 843 00:44:48.199 --> 00:44:49.679 They did away with their phone support. 844 00:44:50.079 --> 00:44:52.440 But I'm going to tell you something, man, I actually 845 00:44:52.519 --> 00:44:56.159 went through the headache of the texting and then I 846 00:44:56.199 --> 00:44:59.199 actually got an agent on the text and they actually helped, 847 00:45:00.079 --> 00:45:03.400 really did so it worked. I think many times we 848 00:45:03.480 --> 00:45:06.559 get frustrated because some of us are want the old 849 00:45:06.559 --> 00:45:08.679 fashioned way. We just wanted to call and talk to 850 00:45:08.719 --> 00:45:11.840 someone who we can understand and that can understand us. 851 00:45:12.280 --> 00:45:14.960 I mean, I swear to God. Sometimes I don't mind 852 00:45:15.039 --> 00:45:17.559 foreign accents. I don't mind people in other countries doing it, 853 00:45:17.599 --> 00:45:20.960 but when you can't even understand them and you have 854 00:45:21.000 --> 00:45:22.639 to case saying huh huh. 855 00:45:23.360 --> 00:45:23.559 You know. 856 00:45:24.480 --> 00:45:27.119 I'll give a shout out to a local company, tom 857 00:45:27.400 --> 00:45:28.920 Sure Discount Tire. 858 00:45:29.280 --> 00:45:32.360 I've been using them for like thirty years. So I 859 00:45:32.400 --> 00:45:32.719 had a. 860 00:45:34.280 --> 00:45:37.519 Blowout on one of my tires. I brought it in 861 00:45:37.920 --> 00:45:39.960 I had to buy a new tire. Then the other 862 00:45:40.039 --> 00:45:42.320 day I ran over a key. Believe it or not, 863 00:45:42.719 --> 00:45:45.760 a key caused a flat tire. So I brought over 864 00:45:45.800 --> 00:45:49.760 to Discount again and I said, and they said, do 865 00:45:49.760 --> 00:45:52.159 you want to buy the same tire, same coundtry you 866 00:45:52.159 --> 00:45:55.320 did last time? And I said, yeah, and I thought 867 00:45:55.599 --> 00:45:59.599 I had blown out my front tire. Apparently the key 868 00:45:59.719 --> 00:46:03.239 was in the same tire that had a blowout, and 869 00:46:03.559 --> 00:46:06.239 they told me, you know what, you don't have to 870 00:46:06.239 --> 00:46:09.400 pay for the tire you had. Insurance will take care 871 00:46:09.440 --> 00:46:13.199 of it and all. And I didn't know they could 872 00:46:13.199 --> 00:46:15.920 have charged me for the new tire, and I never 873 00:46:15.960 --> 00:46:17.039 would have known the difference. 874 00:46:18.199 --> 00:46:20.199 That's pretty nice. That's cool. 875 00:46:20.280 --> 00:46:22.840 Three oh three seven one three eight two five five 876 00:46:22.840 --> 00:46:30.320 more coman write up. Go with a sure thing Denver's 877 00:46:30.360 --> 00:46:33.239 Best Roofer Excel Roofing dot com. You don't pay a 878 00:46:33.320 --> 00:46:39.440 cent until you're contenth time for an insurance check up 879 00:46:39.519 --> 00:46:43.599 free no obligation comparison call Compass Insurance paying too much 880 00:46:43.719 --> 00:46:46.679 your coverage at dozens of insurance companies find out now 881 00:46:46.760 --> 00:46:49.039 three oh three seven to seven to one help. You'll 882 00:46:49.039 --> 00:46:51.800 think you're his only customer when you choose Frank Durand 883 00:46:51.800 --> 00:46:54.280 the real estate Man dot com to list your home 884 00:46:54.480 --> 00:46:57.639 with Remax Alliance three oh three nine two zero sixteen 885 00:46:57.679 --> 00:47:04.400 twenty two. Now, Hey Tom Martino here, Welcome to the show. 886 00:47:05.440 --> 00:47:08.599 Ross has a comment on discount tire. Ross go ahead, 887 00:47:08.639 --> 00:47:10.760 what is your comment on discount tire. 888 00:47:11.840 --> 00:47:14.599 Well, I know Doc had a good experience, but I 889 00:47:14.599 --> 00:47:18.039 don't think all discount tires are created equal. I was 890 00:47:18.039 --> 00:47:20.199 there a couple of weeks ago for an inspection on 891 00:47:20.239 --> 00:47:23.760 my tires. I had appointment, I got there, I had 892 00:47:23.800 --> 00:47:25.800 to wait an hour before they looked at the tires. 893 00:47:26.719 --> 00:47:28.599 And when they looked at the tires, they thought they 894 00:47:28.599 --> 00:47:33.199 were probably the original tires based on the age of 895 00:47:34.239 --> 00:47:38.079 that was printed on the tire. And so when I 896 00:47:38.079 --> 00:47:39.960 got home, I looked at the tires and looked at 897 00:47:39.960 --> 00:47:43.599 the date code, and they thought it was two thousand 898 00:47:43.639 --> 00:47:46.360 and nine, same year as a car. I actually we're 899 00:47:46.719 --> 00:47:50.039 twenty fourteen. They were big O tires, and I don't 900 00:47:50.079 --> 00:47:52.840 think Hanna puts big O tires on their car when 901 00:47:52.840 --> 00:47:53.320 they're new. 902 00:47:54.039 --> 00:47:56.199 How did you read the dot number? How did you 903 00:47:56.280 --> 00:47:56.920 read the date? 904 00:47:58.360 --> 00:48:02.639 Well, it's the sixteenth, sixteenth week of the year, so 905 00:48:02.840 --> 00:48:04.480 it was sixteen fourteen. 906 00:48:05.000 --> 00:48:10.000 Okay, So what does that mean to what does that mean? 907 00:48:10.039 --> 00:48:13.039 As far as Mark you were asking about that, do 908 00:48:13.119 --> 00:48:14.199 people often really I. 909 00:48:14.119 --> 00:48:15.880 Didn't know if he was reading it properly. 910 00:48:15.960 --> 00:48:19.440 That's it? Okay. So what's the issue right now that 911 00:48:19.719 --> 00:48:21.639 I mean, is there anything we can help with us? 912 00:48:21.679 --> 00:48:23.360 It's just you just want to give feedback. 913 00:48:24.039 --> 00:48:27.119 It's just feedback. It's just I'd be concerned that they 914 00:48:27.119 --> 00:48:29.280 think they're the original tires on the car when they're 915 00:48:29.320 --> 00:48:32.559 big OD tires. And second of all, they're off on 916 00:48:32.599 --> 00:48:34.559 the date by five years. 917 00:48:35.039 --> 00:48:37.280 Yeah, which is kind of strange. I mean, if you 918 00:48:37.320 --> 00:48:39.119 work at a tire story, you should be able to wain. 919 00:48:39.280 --> 00:48:43.519 I will amend my my shout out to the one 920 00:48:43.559 --> 00:48:45.559 on Isleif and Havana. 921 00:48:45.920 --> 00:48:47.800 Well, I think in general they're pretty I. 922 00:48:47.800 --> 00:48:50.480 Think, yeah, we just got a one of our YouTube 923 00:48:50.480 --> 00:48:52.639 people saying the same thing that they're great. 924 00:48:54.239 --> 00:48:57.519 Well, I've always had I've always had a good experience. 925 00:48:58.920 --> 00:49:02.199 One thing I did know, and I don't normally do this, 926 00:49:02.360 --> 00:49:04.800 but that I never used to buy that extra road 927 00:49:04.800 --> 00:49:07.920 hazard thing. But man, do they not even question it, 928 00:49:08.000 --> 00:49:10.400 not for a second. When you when you buy that 929 00:49:10.480 --> 00:49:13.679 road hazard and anything happens to that tire that can't 930 00:49:13.679 --> 00:49:19.039 be repaired, they they come right up absolutely. I mean, 931 00:49:19.119 --> 00:49:21.679 so yeah, I think they're pretty cool, Thank you very much. 932 00:49:21.719 --> 00:49:25.159 Three oh three seven one three talk seven one three 933 00:49:25.719 --> 00:49:32.599 eight two five five. So somebody wants to know on text, 934 00:49:32.800 --> 00:49:38.199 how does Barry Miller at Vestera pick the hot Marcus. Well, 935 00:49:38.320 --> 00:49:41.400 I mean that's part of his that's part of his shtick, man, 936 00:49:41.480 --> 00:49:44.119 that's how he you know, was part of the magic sauce, 937 00:49:44.159 --> 00:49:44.519 I guess. 938 00:49:44.639 --> 00:49:46.280 I mean, it's just basic research. 939 00:49:46.719 --> 00:49:49.360 I don't know all of the factors that go into it, 940 00:49:49.400 --> 00:49:52.440 but that's one of the things he prides himself in, 941 00:49:52.920 --> 00:50:00.000 is identifying properties that appreciate quickly and turn positive cash flow. 942 00:50:01.000 --> 00:50:04.559 I would imagine it's just good old basic economic research. 943 00:50:04.960 --> 00:50:07.159 And I was shocked to know that there still are 944 00:50:07.639 --> 00:50:10.880 markets like that where you can get beautiful homes. 945 00:50:10.519 --> 00:50:13.159 For you know, two eighty five to three point fifty. 946 00:50:13.840 --> 00:50:17.079 Yeah, beautiful homes, and that's where he targets them. 947 00:50:17.559 --> 00:50:19.719 And there are a lot of people who take. 948 00:50:19.559 --> 00:50:23.039 Place in this program that absolutely love it, you know, 949 00:50:23.280 --> 00:50:27.039 and and they it because it's like the benefit without 950 00:50:27.039 --> 00:50:30.599 the hassle. So in answer to your question, I don't 951 00:50:30.639 --> 00:50:35.679 really know how in fact he does his research, but 952 00:50:35.760 --> 00:50:37.960 I trust him enough that when he says he highly 953 00:50:38.000 --> 00:50:41.239 researches him and he has a bunch of satisfied customers 954 00:50:41.320 --> 00:50:46.760 we've talked to that, Yeah, he does that. Now, speaking 955 00:50:46.760 --> 00:50:48.679 of that, somebody else had asked the other day how 956 00:50:48.719 --> 00:50:52.599 he makes his money and it's a model that I 957 00:50:52.800 --> 00:50:58.079 fully don't understand, meaning I don't think he makes enough money. 958 00:50:58.239 --> 00:50:59.079 And I mean that. 959 00:50:59.440 --> 00:51:04.400 They mark the way Vestera Turnkey makes their money is 960 00:51:04.440 --> 00:51:06.920 they get you as a customer and they help you 961 00:51:06.920 --> 00:51:09.760 buy that house. They make that commission there, and then 962 00:51:09.760 --> 00:51:11.880 they help you sell it and they make a commission there. 963 00:51:12.000 --> 00:51:16.039 In between the one and a half to maybe two 964 00:51:16.039 --> 00:51:19.400 and a half years. You keep it that in between time, 965 00:51:19.719 --> 00:51:22.920 they're not taking any money from you. The management fee 966 00:51:22.960 --> 00:51:25.519 is a complete pass through. They don't mark that up 967 00:51:25.559 --> 00:51:28.840 at all, and there are no hourly fees or no 968 00:51:28.960 --> 00:51:29.519 other fees. 969 00:51:29.559 --> 00:51:30.039 That's it. 970 00:51:30.480 --> 00:51:33.440 So you pay your management company what you normally would do, 971 00:51:34.039 --> 00:51:37.079 and they negotiated that down I believe, to eight percent 972 00:51:37.679 --> 00:51:40.079 and half of the first month's r in. And then 973 00:51:40.400 --> 00:51:44.000 as far as Vestera Turnkey, they're simply doing it for 974 00:51:44.679 --> 00:51:48.880 the commission they earn. And man, I mean, the model's 975 00:51:48.920 --> 00:51:52.159 been working for them, and except for a small time 976 00:51:52.280 --> 00:51:55.320 during COVID, they've been going strong, I think. 977 00:51:55.159 --> 00:51:56.440 You said for about eight years. 978 00:51:56.800 --> 00:51:58.760 So if anyone else has any question, you give me 979 00:51:58.760 --> 00:52:00.920 a call. You can always call him too. Three h 980 00:52:01.000 --> 00:52:06.719 three seven to one three eight two five five And okay, 981 00:52:06.800 --> 00:52:08.880 I just answered that, do you happen to know what? 982 00:52:09.000 --> 00:52:11.599 Barry Miller charged that? That came just when I was 983 00:52:12.199 --> 00:52:15.239 so orge. I hope you heard what I just talked about. 984 00:52:16.880 --> 00:52:22.199 And uh, anyway, so somebody said something. There was something 985 00:52:22.199 --> 00:52:24.679 else we were discussing. Someone wanted to chime in on 986 00:52:25.800 --> 00:52:29.920 American home Shield. They did not realize that American home 987 00:52:29.960 --> 00:52:36.360 Shield emails people for deals. See. I didn't realize it either, 988 00:52:36.400 --> 00:52:39.239 and then I looked it up after that call. Kirsten 989 00:52:39.280 --> 00:52:41.880 had called and said she bought a new HVAC system 990 00:52:41.880 --> 00:52:44.599 through American home Shield. Well she really didn't buy it 991 00:52:44.639 --> 00:52:48.039 through them, although she kind of did. American home Shield 992 00:52:48.320 --> 00:52:51.760 does this warranty which I don't recommend, and they sell 993 00:52:51.800 --> 00:52:54.679 this warranty a lot through real estate people and through 994 00:52:55.039 --> 00:52:57.320 and a new home buyer network. 995 00:52:57.599 --> 00:52:58.239 I guess they. 996 00:52:58.119 --> 00:53:01.880 Get the recorded docs and they know when you buy 997 00:53:01.880 --> 00:53:04.760 a house and they offer you this warranty. I don't 998 00:53:04.760 --> 00:53:06.519 want to get into home warranties right now. I just 999 00:53:06.559 --> 00:53:09.480 don't believe in them. And there's a slow reasons why. 1000 00:53:09.519 --> 00:53:13.440 But once they have this database of homeowners, they're figuring, 1001 00:53:13.480 --> 00:53:14.920 what the hell you know? 1002 00:53:14.960 --> 00:53:16.760 We know how old their systems are. 1003 00:53:16.800 --> 00:53:19.719 We know how what systems they have in their homes, 1004 00:53:19.760 --> 00:53:22.800 and why don't we email people and offer upgrades. 1005 00:53:22.880 --> 00:53:25.519 So she was offered some. 1006 00:53:25.440 --> 00:53:27.519 Kind of what she thought was a special deal on 1007 00:53:27.559 --> 00:53:30.719 the HVAC and had it replaced. Now she had problems 1008 00:53:30.719 --> 00:53:33.320 after that, and American Shield wasn't even part of it. 1009 00:53:33.320 --> 00:53:34.639 It was the vendor they sent. 1010 00:53:34.880 --> 00:53:37.599 But I imagine American home Shield probably keeps a list 1011 00:53:37.599 --> 00:53:42.440 of approved vendors and advertises specials for them to their 1012 00:53:42.480 --> 00:53:45.519 client base and makes a spread on that. I think 1013 00:53:45.559 --> 00:53:51.480 it's clever marketing, but again, there's no guarantee when you 1014 00:53:51.639 --> 00:53:55.440 do that. I mean, obviously American home Shield isn't selling 1015 00:53:55.480 --> 00:53:58.280 that to you, just like when home Depot recommends people 1016 00:53:58.320 --> 00:54:00.920 to you. And I'm not saying they should, by the way, 1017 00:54:01.440 --> 00:54:05.800 but home depots sometimes, in my opinion, gives the illusion 1018 00:54:06.760 --> 00:54:09.480 that you're hiring home Depot and you're not. And I 1019 00:54:09.519 --> 00:54:13.840 don't like it. That's the part I don't like. So 1020 00:54:13.960 --> 00:54:17.119 three zho three seven one three eight two five five 1021 00:54:18.400 --> 00:54:21.840 eight eight eight. Heating dot Com has a deep clean 1022 00:54:21.920 --> 00:54:25.599 special now for forty five bucks and they do a 1023 00:54:25.639 --> 00:54:27.639 great job. They've been on a referral list more than 1024 00:54:27.679 --> 00:54:31.039 twenty years now, eight eight eight heating dot com also 1025 00:54:31.280 --> 00:54:37.119 specializes in high efficiency and dual hybrid fuel furnaces. A 1026 00:54:37.159 --> 00:54:39.920 lot of people now are going with both gas slash 1027 00:54:39.960 --> 00:54:43.440 electric in case they get solar, or if they have solar, 1028 00:54:43.719 --> 00:54:45.239 which is a great companion. 1029 00:54:45.440 --> 00:54:48.320 And of course just these new high efficiency units will 1030 00:54:48.320 --> 00:54:57.599 save you money anyway eight eight eight heating dot com. 1031 00:54:58.000 --> 00:55:01.960 Go with a sure thing Denver's Best Excel Roofing dot com. 1032 00:55:02.000 --> 00:55:07.719 You don't pay a cent until you're content. Time for 1033 00:55:07.760 --> 00:55:10.960 an insurance check up free, no obligation. In comparison, call 1034 00:55:11.039 --> 00:55:14.360 Compass Insurance paying too much your coverage at dozens of 1035 00:55:14.360 --> 00:55:17.320 insurance companies find out now three oh three seven seven 1036 00:55:17.320 --> 00:55:20.079 to one help. You'll think you're his only customer when 1037 00:55:20.119 --> 00:55:22.639 you choose Frank durand the real estate Man dot com 1038 00:55:22.639 --> 00:55:25.719 to list your home with Remax Alliance three oh three 1039 00:55:25.840 --> 00:55:36.320 nine two zero sixteen twenty two. Hi Tom Martino, your 1040 00:55:36.519 --> 00:55:40.239 troubleshooter three O three seven one three talk seven one 1041 00:55:40.239 --> 00:55:44.960 three eight two five five. All right, we have a 1042 00:55:45.000 --> 00:55:47.559 texting going on that you can text me five seven 1043 00:55:47.639 --> 00:55:50.119 seven three nine. You can also text me my private 1044 00:55:50.159 --> 00:55:54.159 Google number seven four seven nine nine nine fifty two 1045 00:55:54.239 --> 00:55:56.760 eighty and uh, we'd love to help you. 1046 00:55:56.800 --> 00:55:58.119 We have one here, say Tom. 1047 00:55:58.559 --> 00:56:01.039 When I went to the doctor just recently, I signed 1048 00:56:01.039 --> 00:56:02.880 something called no surprise billing. 1049 00:56:02.920 --> 00:56:04.519 Is that what you're talking about? No, it's not. 1050 00:56:04.880 --> 00:56:07.679 That's different, but it's kind of in the same genre 1051 00:56:08.639 --> 00:56:12.559 the surprise billing. I love because we used to get 1052 00:56:12.599 --> 00:56:15.639 this problem a lot. Think about this scenario. You go 1053 00:56:15.719 --> 00:56:18.440 to urgent care or an emergency room. Mostly it happened 1054 00:56:18.480 --> 00:56:22.960 with emergency rooms, or even sometimes when you had surgery. 1055 00:56:23.239 --> 00:56:26.440 Right now, all of a sudden, you get a bill 1056 00:56:26.719 --> 00:56:28.440 from outside. 1057 00:56:27.840 --> 00:56:31.440 Your network and you ow way more than you thought. 1058 00:56:32.039 --> 00:56:37.199 You had a small copey with your network. The anesthesiologist says, 1059 00:56:37.360 --> 00:56:39.760 we weren't in that network. We don't have to take that. 1060 00:56:40.840 --> 00:56:45.159 Or you're at the emergency room and a radiologist reads 1061 00:56:45.159 --> 00:56:49.159 your X ray. The radiology associates were not part of 1062 00:56:49.199 --> 00:56:51.559 your network, but the hospital was blah blah blah. 1063 00:56:51.599 --> 00:56:53.000 It happened all the time. 1064 00:56:53.679 --> 00:56:56.639 And what would happen is consumers who had small copays 1065 00:56:56.639 --> 00:56:58.880 would end up paying a lot or being billed for 1066 00:56:58.960 --> 00:57:02.159 a lot of money. So this and this is a 1067 00:57:02.199 --> 00:57:06.840 really good thing, this no surprise billing. It's an actual 1068 00:57:07.800 --> 00:57:14.519 federal law, and it says it protects patients from unexpected 1069 00:57:14.639 --> 00:57:17.519 or surprised medical bills, hence the name. 1070 00:57:17.760 --> 00:57:19.079 Now here's how it works. 1071 00:57:20.599 --> 00:57:24.800 If you receive care from out of network providers, but 1072 00:57:24.840 --> 00:57:27.840 you're at an you start out with a provider that 1073 00:57:28.039 --> 00:57:30.920 is in your network, they can't charge you they're out 1074 00:57:30.920 --> 00:57:32.159 of network rates anymore. 1075 00:57:32.880 --> 00:57:36.920 They have to take whatever your plan offers. So now 1076 00:57:36.960 --> 00:57:39.119 the surprise is on them. You see, it's up to then. 1077 00:57:39.480 --> 00:57:41.639 I mean, after all, come on, you're in an emergency 1078 00:57:41.719 --> 00:57:44.480 room and you need X rays. How many people are 1079 00:57:44.519 --> 00:57:46.880 going to say, wait a minute, doc, who's going to 1080 00:57:46.920 --> 00:57:47.760 read those X rays? 1081 00:57:47.800 --> 00:57:50.079 Are they in my Are they in my plan? You know? 1082 00:57:50.519 --> 00:57:54.480 So a surprise medical bill used to occur when you 1083 00:57:54.519 --> 00:57:57.599 receive this out of network care and then you're build 1084 00:57:57.599 --> 00:58:01.840 at two different rates. It'll it happened with surgeries and 1085 00:58:01.880 --> 00:58:03.920 emergency rooms, sometimes at urgent care. 1086 00:58:04.480 --> 00:58:08.360 Now here's what has changed. Oh, by the. 1087 00:58:08.360 --> 00:58:12.039 Way it used to happen. 1088 00:58:12.679 --> 00:58:15.719 It happened with air ambulances a lot. Oh my goodness. 1089 00:58:16.159 --> 00:58:21.800 Anyway, So what medical providers have you signed is something 1090 00:58:21.840 --> 00:58:26.760 called no Surprises a disclosure, And what it does is 1091 00:58:26.760 --> 00:58:30.159 it lets you know what your protections are that you 1092 00:58:30.199 --> 00:58:35.639 shouldn't be charged any more than your normal in network 1093 00:58:36.199 --> 00:58:41.920 rate for all of the services. Now, if you knowingly 1094 00:58:42.000 --> 00:58:45.400 want to receive care from an out of network provider knowingly, 1095 00:58:45.480 --> 00:58:50.639 that's different. Let's say you're in emergency room for a 1096 00:58:50.639 --> 00:58:56.519 dog bite and you want a specific plastic surgeon to 1097 00:58:56.599 --> 00:58:58.360 look at that or to consult with. 1098 00:59:00.079 --> 00:59:02.719 Different you're requesting that. 1099 00:59:04.320 --> 00:59:09.679 So anyway, balance billing limits in network, cost sharing, that's it, 1100 00:59:09.760 --> 00:59:14.679 in network, deductible or copay, that's all the same, no 1101 00:59:14.800 --> 00:59:15.840 more surprises. 1102 00:59:16.199 --> 00:59:19.800 I like that. I really do like that. 1103 00:59:19.800 --> 00:59:24.480 That is something I believe helps consumers tremendously because we 1104 00:59:24.599 --> 00:59:26.639 used to get that call all the time. 1105 00:59:28.079 --> 00:59:29.760 So thank you for bringing. 1106 00:59:29.400 --> 00:59:34.599 That up, Texter and ballance bill. Tom, that's another thing. 1107 00:59:34.639 --> 00:59:36.840 You're right, a balance bill. Explain what that is, Doc. 1108 00:59:36.920 --> 00:59:39.519 Well, let's say I did a delivery on a patient 1109 00:59:39.559 --> 00:59:43.639 and I got let's say one thousand dollars and the 1110 00:59:43.679 --> 00:59:47.400 insurance company paid me eight hundred. I could not if 1111 00:59:47.400 --> 00:59:49.800 I was in that plan, I could not build a 1112 00:59:49.840 --> 00:59:51.360 patient for the extra two. 1113 00:59:51.320 --> 00:59:55.480 Hundred, right, that's right. Once you're in a. 1114 00:59:55.440 --> 00:59:57.920 Plan, you have to accept what that company is going 1115 00:59:58.000 --> 00:59:58.360 to give you. 1116 00:59:59.199 --> 01:00:01.559 That's right. With the no surprise billing. 1117 01:00:02.079 --> 01:00:06.079 If you treat someone who entered into a network facility 1118 01:00:06.400 --> 01:00:09.039 and you're outside the network, the same thing, So you 1119 01:00:09.079 --> 01:00:11.920 can't balance bill for the difference. You have to take 1120 01:00:11.960 --> 01:00:17.119 that approved amount that they pay. And that's a whole 1121 01:00:17.239 --> 01:00:20.360 different topic when you talked about when you talk about 1122 01:00:20.400 --> 01:00:24.800 approved amounts insure. As I've said this before, Okay, I 1123 01:00:24.880 --> 01:00:28.280 truly believe the health insurance industry is evil. 1124 01:00:28.360 --> 01:00:30.440 Okay, that's just my own personal thought. 1125 01:00:31.280 --> 01:00:33.840 I think there's a need for some kind of care, 1126 01:00:33.960 --> 01:00:38.199 but I don't like the current model. And although it's 1127 01:00:38.199 --> 01:00:40.199 getting better with the no surprise billing and that kind 1128 01:00:40.199 --> 01:00:42.239 of stuff. When I say I think they're evil, they 1129 01:00:42.760 --> 01:00:44.480 actually changed medicine forever. 1130 01:00:45.519 --> 01:00:48.599 Originally it was normal insurance. 1131 01:00:49.159 --> 01:00:52.480 They aggregated the cost over a large network of people, 1132 01:00:53.599 --> 01:00:55.639 and some are high risks, some are low risk. But 1133 01:00:55.760 --> 01:00:59.000 because of the aggregated amount, they were able to cover 1134 01:00:59.079 --> 01:01:02.559 bills here and there and still make money. But then 1135 01:01:03.000 --> 01:01:05.079 they said, wait a minute, we're not making enough money. 1136 01:01:05.079 --> 01:01:07.280 This is a true story, true how it happens. So 1137 01:01:07.320 --> 01:01:09.800 they said, we're not making enough money. So what we 1138 01:01:09.880 --> 01:01:11.800 have to do is then we're not only going to 1139 01:01:11.880 --> 01:01:15.480 charge premiums and invest those premiums and pay the bills. 1140 01:01:15.639 --> 01:01:18.719 But now we're going to tell the doctors how to 1141 01:01:18.760 --> 01:01:25.079 do it. And that's called managed care, meaning you can't 1142 01:01:25.159 --> 01:01:28.360 do this unless you get our permission. We want to 1143 01:01:28.400 --> 01:01:31.480 make sure it's medically necessary and it's not experimental. 1144 01:01:32.360 --> 01:01:35.639 The next thing they said is and not only. 1145 01:01:35.320 --> 01:01:40.079 That, but now we're also going to tell you how 1146 01:01:40.159 --> 01:01:44.480 much it should cost. So they come into a doc's office, 1147 01:01:44.559 --> 01:01:49.519 like doc, deputy doc who was doing you know, his 1148 01:01:49.639 --> 01:01:51.960 thing for years and years and years, delivering babies, taking 1149 01:01:51.960 --> 01:01:54.400 care of women, taking care of babies, and all of 1150 01:01:54.440 --> 01:01:57.400 a sudden they say, well, deputy doc, if you want 1151 01:01:58.079 --> 01:02:00.599 us to pay for your patient, and if they come 1152 01:02:00.639 --> 01:02:03.320 in with our insurance, we're not going to pay you 1153 01:02:03.360 --> 01:02:06.239 this much money to deliver a baby anymore. We're going 1154 01:02:06.280 --> 01:02:08.880 to pay you this much. Like it or leave it. 1155 01:02:09.960 --> 01:02:12.880 And then they would they would have all kinds of 1156 01:02:12.920 --> 01:02:17.000 parameters to where he had to hire someone full time 1157 01:02:18.320 --> 01:02:19.719 just to process claims. 1158 01:02:20.400 --> 01:02:21.320 So think about this. 1159 01:02:22.239 --> 01:02:24.960 It used to be they trusted docs to pick the 1160 01:02:25.039 --> 01:02:28.599 right care, they trusted docs to charge the right amount. 1161 01:02:29.280 --> 01:02:31.480 Then insurance came in and said, wait a minute, we 1162 01:02:31.519 --> 01:02:34.239 don't like what you're charging, and we don't like what 1163 01:02:34.280 --> 01:02:36.400 you're doing, so we're going to tell you what can 1164 01:02:36.440 --> 01:02:39.599 be done, what can't be done, and what you charge. 1165 01:02:40.639 --> 01:02:42.360 And then we decided we're going to pay that. 1166 01:02:43.239 --> 01:02:46.039 And then they the docks, on the other hand, now 1167 01:02:46.480 --> 01:02:51.039 have to hire people to do the processing. And in 1168 01:02:51.079 --> 01:02:55.360 addition to that, because the insurance companies inserted themselves in 1169 01:02:55.440 --> 01:02:59.880 the process, many of the clinics raised the prices just 1170 01:03:00.039 --> 01:03:04.079 so they could keep up right. So it was a 1171 01:03:04.239 --> 01:03:09.239 really because if enough docs raised their prices, then the 1172 01:03:09.599 --> 01:03:13.079 approved amounts would go up, and it became a game. 1173 01:03:14.400 --> 01:03:17.920 And so in the beginning, insurance company said, we're saving 1174 01:03:17.960 --> 01:03:20.599 you from these evil docs and these evil clinics and 1175 01:03:20.639 --> 01:03:26.280 these evil hospitals by managing your care. They even did 1176 01:03:26.320 --> 01:03:28.400 something else doc. I don't know if they still do it, 1177 01:03:28.440 --> 01:03:30.199 called capitation, And. 1178 01:03:30.239 --> 01:03:30.960 No they didn't come O. 1179 01:03:32.280 --> 01:03:33.800 Model did not last very long. 1180 01:03:34.519 --> 01:03:36.440 So that model's not even there anymore, is. 1181 01:03:36.440 --> 01:03:38.039 It not, as far as I know. 1182 01:03:38.440 --> 01:03:42.119 No, And that was where they would say to you, 1183 01:03:42.960 --> 01:03:45.880 if you have patients of ours, we will pay so 1184 01:03:46.039 --> 01:03:49.480 much ahead per year period, no matter what you do, no. 1185 01:03:49.400 --> 01:03:51.719 Matter what you do. So if you had a thousand 1186 01:03:51.800 --> 01:03:55.559 of our patients, and whether if you didn't see them. 1187 01:03:55.599 --> 01:03:57.400 We still pay you. If you saw them every day, 1188 01:03:57.440 --> 01:03:59.280 we pay you, but we pay you the same amount. 1189 01:03:59.440 --> 01:04:01.880 So have you had a thousand patients and they gave 1190 01:04:01.920 --> 01:04:04.039 you five hundred a year for each one, that'd be 1191 01:04:04.079 --> 01:04:07.360 five hundred thousand. So doctors had to decide is that 1192 01:04:07.440 --> 01:04:08.360 going to be a good deal? 1193 01:04:08.559 --> 01:04:09.960 And do I like these patients. 1194 01:04:10.239 --> 01:04:13.039 All of a sudden, you had doctors being actuarials deciding 1195 01:04:13.039 --> 01:04:15.119 if they're going to take a patient or not because 1196 01:04:15.159 --> 01:04:16.599 they don't want a patient that's going to. 1197 01:04:18.480 --> 01:04:21.280 Exhaust their funds. So, I mean it was weird. 1198 01:04:21.559 --> 01:04:23.480 So then let's say you had a doctor and this 1199 01:04:23.559 --> 01:04:26.920 doctor really felt someone needed an MRI or surgery, but 1200 01:04:27.039 --> 01:04:29.559 they knew that that person, that one person's going to 1201 01:04:29.639 --> 01:04:32.079 take up of the five hundred grand, they're going to 1202 01:04:32.079 --> 01:04:34.079 take up two hundred of it. I mean, it was 1203 01:04:34.199 --> 01:04:37.239 really the worst model of medicine you could ever have. Now, 1204 01:04:37.280 --> 01:04:40.920 mattage care is not necessarily that much better because you 1205 01:04:41.000 --> 01:04:43.800 have non medical people many times, or doctors who are 1206 01:04:43.840 --> 01:04:47.800 whores working for the insurance companies and telling doctors and 1207 01:04:47.840 --> 01:04:50.800 clinics what they're going to approve and why, and then 1208 01:04:50.840 --> 01:04:53.400 making you get pre authorization for everything. And here's the 1209 01:04:53.440 --> 01:04:57.840 worst sin that health insurance companies do. They call things 1210 01:04:58.000 --> 01:05:00.320 experimental that have been going on for you years and 1211 01:05:00.360 --> 01:05:01.239 years and years and years. 1212 01:05:01.360 --> 01:05:03.000 When do they not become experimental? 1213 01:05:03.239 --> 01:05:04.719 Hey, Tom, I will say one thing. 1214 01:05:05.239 --> 01:05:08.159 Any time that I had a problem with that, if 1215 01:05:08.199 --> 01:05:11.960 I call the medical director and explained it one hundred 1216 01:05:11.960 --> 01:05:14.440 percent got approved, Well that's. 1217 01:05:14.280 --> 01:05:17.360 Good that that doesn't always happen, though, doc, And I'll 1218 01:05:17.400 --> 01:05:18.320 give you a case in point. 1219 01:05:18.360 --> 01:05:18.880 The FDA. 1220 01:05:19.400 --> 01:05:22.400 The FDA approved what I had done in my back, 1221 01:05:22.440 --> 01:05:27.639 this spinal implant. They approved it. My Medicare and Supplements 1222 01:05:27.639 --> 01:05:27.960 paid one. 1223 01:05:29.880 --> 01:05:30.760 But they're not. 1224 01:05:31.079 --> 01:05:34.119 The insurance is not covering it for everyone. They're saying 1225 01:05:34.159 --> 01:05:38.039 it's experimental and it's FDA approved. And when my dog 1226 01:05:38.079 --> 01:05:41.239 tried calling them and saying, hey, you know, what's what's 1227 01:05:41.280 --> 01:05:43.599 up with this one? It's medically necessary, blah blah blah, 1228 01:05:43.599 --> 01:05:46.840 it's a FDA approved, they say, no, we consider it experimental. 1229 01:05:47.159 --> 01:05:50.639 So they're just arbitrarily turning it down. We have more 1230 01:05:50.679 --> 01:05:59.280 coming right up. Go with a sure thing Denver's Best 1231 01:05:59.360 --> 01:06:02.239 roofer sell roofing dot com. You don't pay a cent 1232 01:06:02.440 --> 01:06:08.119 until you're content, wait time for an insurance check. Up 1233 01:06:08.239 --> 01:06:12.039 free no obligation. In comparison, call Compass Insurance paying too 1234 01:06:12.119 --> 01:06:15.159 much your coverage at dozens of insurance companies find out 1235 01:06:15.199 --> 01:06:17.960 now three all three seven seven one help. You'll think 1236 01:06:18.000 --> 01:06:20.559 you're his only customer when you choose Frank durand the 1237 01:06:20.599 --> 01:06:23.239 real estate man dot com to list your home with 1238 01:06:23.360 --> 01:06:34.159 Remax Alliance three all three nine two zero sixteen twenty two. 1239 01:06:32.679 --> 01:06:33.000 Ripped. 1240 01:06:35.000 --> 01:06:37.239 You need advice so. 1241 01:06:37.400 --> 01:06:42.599 You don't have come running as fast as we can. 1242 01:06:43.920 --> 01:06:45.440 Shooter's gonna help. 1243 01:06:45.480 --> 01:06:52.440 Come Dick is the Troubleshooter Show. No Tom Martino, Hey. 1244 01:06:52.440 --> 01:06:55.159 Tom Martino here, Welcome to the show. We are here 1245 01:06:55.400 --> 01:06:58.239 solving problems, answer questions, taking complaints. Make your life just 1246 01:06:58.880 --> 01:07:01.199 a little easier than I've appreciate you being here. 1247 01:07:01.440 --> 01:07:02.519 What can we do for you? 1248 01:07:02.840 --> 01:07:05.639 We will get to the phones at three oh three 1249 01:07:05.840 --> 01:07:08.280 seven one three talk three oh three seven one three eight, 1250 01:07:08.360 --> 01:07:11.800 two five five that's our numbers, or three oh three Martino, 1251 01:07:12.239 --> 01:07:14.440 that's zero, three six, two seven eight four sixty six. 1252 01:07:14.519 --> 01:07:17.880 So now Joyce has an issue with Social Security. By 1253 01:07:17.880 --> 01:07:20.079 the way, Mark is back at the studio. We don't 1254 01:07:20.119 --> 01:07:21.840 have a camera set up there because I took it. 1255 01:07:22.119 --> 01:07:25.880 I was configuring it so we can never mind. So anyway, 1256 01:07:26.039 --> 01:07:28.400 So and Bo, Deputy Bo's there, and then I have 1257 01:07:28.480 --> 01:07:31.400 Deputy D here and we're all working on problems for you. 1258 01:07:32.079 --> 01:07:36.639 So feel free to uh to uh give us a 1259 01:07:36.679 --> 01:07:39.480 call or text us. You can text us at five 1260 01:07:39.599 --> 01:07:42.400 seven seven three nine, which is a short code instead 1261 01:07:42.400 --> 01:07:44.400 of a phone number. You put that in, put Tom 1262 01:07:44.400 --> 01:07:46.800 in there, and then of course I'll get that message 1263 01:07:46.840 --> 01:07:50.400 right here live. You can also google excuse me, text 1264 01:07:50.440 --> 01:07:53.159 my Google number. That's my personal Google number, comes right 1265 01:07:53.159 --> 01:07:55.320 to my cell phone and I can read it on 1266 01:07:55.360 --> 01:07:57.639 the air. So you can Google me at seven four 1267 01:07:57.679 --> 01:07:59.559 seven nine. 1268 01:07:58.840 --> 01:07:59.679 Fifty two eighty. 1269 01:08:00.119 --> 01:08:03.199 So, Joyce, what's going on with social security? Hello Joyce? 1270 01:08:04.960 --> 01:08:12.320 Hi Tom. Basically starting a nutshell. I applied for SIST 1271 01:08:12.360 --> 01:08:17.479 and Security on September twenty fourth. I'm sixty five, and 1272 01:08:17.560 --> 01:08:22.479 I found out that they had, without my consent, signed 1273 01:08:22.479 --> 01:08:27.439 me up for medicure A and B May first, twenty 1274 01:08:27.520 --> 01:08:31.039 four and they're telling me that I owe six months 1275 01:08:31.119 --> 01:08:32.520 apart they premiums. 1276 01:08:32.880 --> 01:08:36.640 Wait a minute, why wait, hold on, hold on? When 1277 01:08:36.680 --> 01:08:38.039 did they sign you up? 1278 01:08:38.159 --> 01:08:38.520 Joyce? 1279 01:08:40.680 --> 01:08:42.960 I have a May first effective date, sir. 1280 01:08:43.159 --> 01:08:45.720 Now it was May first of this year. Did were 1281 01:08:45.760 --> 01:08:47.319 you sixty five at the time. 1282 01:08:49.039 --> 01:08:54.359 I turned sixty five on May seventeenth. 1283 01:08:52.800 --> 01:08:57.880 Okay, fourth, So they signed you up. They signed you up, 1284 01:08:57.880 --> 01:09:02.520 that's right on the first for A and B. And 1285 01:09:03.880 --> 01:09:08.319 let me explain all that to you. Okay. Usually I 1286 01:09:08.439 --> 01:09:12.000 believe you have to opt in for B. A is free. 1287 01:09:12.079 --> 01:09:15.399 It doesn't. You don't pay for it. B you pay 1288 01:09:15.560 --> 01:09:18.640 for But I want to ask you something out of curiosity, 1289 01:09:18.640 --> 01:09:20.359 and then I'm going to tell Kachina I'd like to 1290 01:09:20.359 --> 01:09:23.880 get Integra Insurance on about this. They know a lot 1291 01:09:23.920 --> 01:09:27.840 about about Medicare Part A and B. So here's what 1292 01:09:27.880 --> 01:09:30.239 I want to ask you. Had they not signed you 1293 01:09:30.359 --> 01:09:34.640 up for Medicare Part B, for which there's a premium, 1294 01:09:35.319 --> 01:09:36.920 were you not going to sign. 1295 01:09:36.720 --> 01:09:37.159 Up for it? 1296 01:09:39.640 --> 01:09:42.119 I was going to sign up for it when my 1297 01:09:42.279 --> 01:09:47.319 husband retired and we signed up. He signed up September 1298 01:09:47.359 --> 01:09:51.119 twenty third, or Social Security. I signed up September twenty 1299 01:09:51.159 --> 01:09:55.279 fourth because he retired October eighteenth. 1300 01:09:55.079 --> 01:09:58.199 So what you're saying is hold on. 1301 01:09:58.720 --> 01:10:02.439 What you're saying is you want wanted to delay signing 1302 01:10:02.520 --> 01:10:03.399 up for Part B. 1303 01:10:06.079 --> 01:10:08.560 Yes, sure, and you were going to sign up for 1304 01:10:08.680 --> 01:10:09.880 your own Part. 1305 01:10:09.720 --> 01:10:12.600 B, but not in May. You were going to do 1306 01:10:12.680 --> 01:10:24.880 it in September. Yes, sure, Okay, I'm not sure again, Okay, okay. 1307 01:10:25.039 --> 01:10:28.399 If you were on all that, now that's I'm glad 1308 01:10:28.479 --> 01:10:30.920 I heard that, because that makes all the difference in 1309 01:10:30.960 --> 01:10:31.399 the world. 1310 01:10:32.239 --> 01:10:34.680 Here's the rule. If you're on. 1311 01:10:34.760 --> 01:10:40.000 A plan, an approved plan, you're not penalized for not 1312 01:10:40.439 --> 01:10:46.640 signing up for Part B. You are not penalized. If 1313 01:10:46.680 --> 01:10:49.359 you were not on one and you put off signing 1314 01:10:49.439 --> 01:10:53.640 up for B. For every month you do not sign up, 1315 01:10:54.079 --> 01:10:57.359 you're penalized in the future to a point where some 1316 01:10:57.479 --> 01:10:59.760 of these people, for example, that want to take their 1317 01:10:59.800 --> 01:11:05.199 Social Security payments at age seventy, they may they think 1318 01:11:05.560 --> 01:11:06.560 they can put off. 1319 01:11:06.439 --> 01:11:09.039 Part B till age seventy, so. 1320 01:11:08.920 --> 01:11:11.800 They think, oh, I'll get away with not paying premiums 1321 01:11:12.319 --> 01:11:15.199 for five or six years and then sign up for it. 1322 01:11:16.079 --> 01:11:16.800 But you can't. 1323 01:11:17.119 --> 01:11:20.720 It becomes so cost prohibitive that it's not worth something. 1324 01:11:20.760 --> 01:11:23.319 You got to pay a giant a penalty every month. 1325 01:11:23.920 --> 01:11:27.800 So in your case, though, that would not apply when 1326 01:11:27.880 --> 01:11:32.800 you turned sixty five, you didn't want to sign up 1327 01:11:32.880 --> 01:11:36.920 for B because you had coverage and you would not. 1328 01:11:37.319 --> 01:11:38.960 Have been penalized. 1329 01:11:39.399 --> 01:11:43.119 So when you tell them that, well, first of all, 1330 01:11:43.600 --> 01:11:46.640 I've never heard of people automatically being signed up for 1331 01:11:47.319 --> 01:11:47.840 Part B. 1332 01:11:48.840 --> 01:11:49.880 How did that happen? 1333 01:11:52.399 --> 01:11:56.319 What happens is when I did my Social Security application, 1334 01:11:58.359 --> 01:12:02.800 they needed it that roof of group helps coverage, right, 1335 01:12:03.199 --> 01:12:06.399 So my husband and I did online application, but we 1336 01:12:06.520 --> 01:12:08.640 took that form into. 1337 01:12:08.439 --> 01:12:11.359 The local Lewisville, Colorado's SOID. 1338 01:12:11.199 --> 01:12:15.359 Security office and that's when they told me that I'm 1339 01:12:15.399 --> 01:12:18.960 responsible for one thousand and forty eight dollars and twenty 1340 01:12:19.000 --> 01:12:21.760 cents and my affected date is May first. 1341 01:12:22.279 --> 01:12:26.960 But when you told them I had coverage back then, 1342 01:12:27.520 --> 01:12:30.479 I did not want B until now. 1343 01:12:30.920 --> 01:12:31.960 What did they say? 1344 01:12:34.119 --> 01:12:38.399 They they were dumbfounded and they just told me I 1345 01:12:38.439 --> 01:12:39.680 was responsible for it. 1346 01:12:40.159 --> 01:12:42.720 Well you're not. But I don't know why they're saying this. 1347 01:12:42.880 --> 01:12:45.920 It might it sounds like I'm not getting the full story. 1348 01:12:46.119 --> 01:12:50.640 And I don't mean you're holding withholding information intentionally, but 1349 01:12:51.439 --> 01:12:54.960 it's not making sense to me. No one has to 1350 01:12:55.000 --> 01:12:58.279 sign up for B. You're never forced to sign up 1351 01:12:58.279 --> 01:13:00.199 for it. Who signed you up up? 1352 01:13:00.640 --> 01:13:03.000 Okay, you're saying they didn't sign you up back then? 1353 01:13:03.119 --> 01:13:05.479 They just went retroactive with you. 1354 01:13:07.239 --> 01:13:10.479 Yes, what they said to me. I called in in 1355 01:13:10.560 --> 01:13:13.720 March to ask a question. Yes and one of the 1356 01:13:13.800 --> 01:13:16.840 ladies said to me, this is what happens when you 1357 01:13:16.880 --> 01:13:20.239 called the National Social Security They always screw it up. 1358 01:13:20.640 --> 01:13:24.079 But I guess you wouldn't know that. So because I 1359 01:13:24.199 --> 01:13:29.800 called in, somehow I got on the radar and I 1360 01:13:30.000 --> 01:13:31.560 wasn't aware. I didn't get into that. 1361 01:13:31.840 --> 01:13:34.880 You were eligible for payments back then too. Right, you 1362 01:13:34.880 --> 01:13:37.479 were elegiment for payments back then too, but you wanted 1363 01:13:37.520 --> 01:13:39.039 to wait till September, right. 1364 01:13:40.439 --> 01:13:42.840 Yes, sir, because I had good health care coverage with 1365 01:13:43.000 --> 01:13:43.399 my hosband. 1366 01:13:43.439 --> 01:13:46.319 No, I'm talking about your regular Social Security benefit. 1367 01:13:46.760 --> 01:13:48.399 You were eligible back then. 1368 01:13:50.399 --> 01:13:53.000 Right, but I was trying to wait, and I know 1369 01:13:53.279 --> 01:13:56.800 I get exactly what you're saying, Joyce, this is wrong. 1370 01:13:57.000 --> 01:13:59.920 I want to get Integra insurance on just to weigh 1371 01:14:00.039 --> 01:14:02.039 in on this, So hold on a second. 1372 01:14:02.079 --> 01:14:04.640 Okay, We'll thank you very much. 1373 01:14:04.680 --> 01:14:07.720 Three oh three, seven to one three talks seven to one, three, eight, 1374 01:14:07.800 --> 01:14:11.760 two five five. So here's the deal, folks. Here's the 1375 01:14:11.800 --> 01:14:16.439 way it works. Part A is free, Part B has 1376 01:14:16.439 --> 01:14:21.359 a premium associated with it depending on how much you make, 1377 01:14:22.560 --> 01:14:26.439 so that B is usually taken out of your benefit. 1378 01:14:27.319 --> 01:14:28.239 So you get both. 1379 01:14:28.720 --> 01:14:32.199 It's presumed you're going to start taking Social Security payments 1380 01:14:32.840 --> 01:14:38.039 along with Part B, so that they subtract the premium 1381 01:14:38.159 --> 01:14:41.800 from your Part B, excuse me, from your benefit and 1382 01:14:42.000 --> 01:14:45.800 your net is what you get plus B. 1383 01:14:46.760 --> 01:14:49.479 Now, some people are still. 1384 01:14:49.239 --> 01:14:52.159 Working when they get their Social Security and they don't 1385 01:14:52.199 --> 01:14:57.199 want Part B because they have an employer plan. So 1386 01:14:57.479 --> 01:15:00.319 if they can show they have an employer plan, they 1387 01:15:00.359 --> 01:15:04.000 can still get their Social Security benefit along with their paychecks, 1388 01:15:04.479 --> 01:15:08.479 but they don't have to have Part B. Other people 1389 01:15:08.560 --> 01:15:13.399 make the mistake of not signing up for B. I 1390 01:15:13.439 --> 01:15:16.319 had a brother who thought, I'm going to be smart. 1391 01:15:16.359 --> 01:15:18.760 I want to make more money, so I'm going to 1392 01:15:18.840 --> 01:15:20.119 keep that three hundred a month. 1393 01:15:20.439 --> 01:15:21.159 I don't want B. 1394 01:15:22.079 --> 01:15:25.199 Then he turned seventy or seventy five or seventy eight 1395 01:15:25.279 --> 01:15:29.520 years later, he desperately needed it, but it was so 1396 01:15:29.760 --> 01:15:32.960 expensive with the penalty, he could never afford it. 1397 01:15:33.880 --> 01:15:37.000 That's the problem with putting it off. You're penalized. 1398 01:15:37.680 --> 01:15:40.479 But in this case, she never signed up for it 1399 01:15:40.520 --> 01:15:43.720 because she had group plan, and when she started getting 1400 01:15:43.760 --> 01:15:47.640 her benefit, they're saying, now you owe us back premiums 1401 01:15:47.920 --> 01:15:51.119 for Part B. That makes no sense to me. None 1402 01:15:51.279 --> 01:15:54.760 she had another insurance. There's got to be a way 1403 01:15:54.800 --> 01:15:57.720 to take care of this. I'm going to consult our 1404 01:15:57.760 --> 01:16:02.079 experts coming up seven to one three talks seven one 1405 01:16:02.079 --> 01:16:05.359 three eight two five five. By the way, you know, 1406 01:16:05.760 --> 01:16:13.000 Denverregen dot com Denver region does weight loss supplements that 1407 01:16:13.039 --> 01:16:16.119 are compounded at pennies on the dollar plus. They do 1408 01:16:16.479 --> 01:16:19.840 stem cell therapy to get rid of your pain and 1409 01:16:19.960 --> 01:16:21.199 inflammation in your. 1410 01:16:21.119 --> 01:16:25.279 Joints and regrow tendons. They also get rid of our thrits. 1411 01:16:25.319 --> 01:16:29.279 They also do hair regeneration and I have that done 1412 01:16:29.319 --> 01:16:38.560 and it's actually working. Denverregen dot com. Go with a 1413 01:16:38.640 --> 01:16:42.159 sure thing Denver's best roofer Excel Roofing dot com. You 1414 01:16:42.199 --> 01:16:47.960 don't pay a cent until you're content. Time for an 1415 01:16:48.000 --> 01:16:51.640 insurance check up free, no obligation. In comparison, call Compass 1416 01:16:51.680 --> 01:16:54.960 Insurance pain too much your coverage at dozens of insurance 1417 01:16:54.960 --> 01:16:57.479 companies find out now three oh three seven seven to 1418 01:16:57.520 --> 01:17:00.319 one help. You'll think you're his only customer when you 1419 01:17:00.399 --> 01:17:02.840 choose Frank durand the real estate Man dot com to 1420 01:17:02.920 --> 01:17:06.159 list your home with Remax Alliance three all three nine 1421 01:17:06.159 --> 01:17:11.199 two zero sixteen twenty two. Hi Tom Martino here three 1422 01:17:11.199 --> 01:17:13.359 all three seven one three talks seven one three eight 1423 01:17:13.399 --> 01:17:17.520 two five five so we're waiting on Integer Insurance to 1424 01:17:17.560 --> 01:17:18.119 get back to us. 1425 01:17:18.159 --> 01:17:21.039 Joyce, hang in there. We're going to figure out try 1426 01:17:21.079 --> 01:17:24.199 to figure out what's going on with that AB And 1427 01:17:24.840 --> 01:17:26.039 it just seems to me. 1428 01:17:26.039 --> 01:17:27.760 That if you didn't sign up for it, they can't 1429 01:17:27.840 --> 01:17:30.960 charge you for it, and you can prove you had coverage, 1430 01:17:31.000 --> 01:17:33.560 so they can't penalize you anyway. 1431 01:17:33.960 --> 01:17:35.079 Drew's calling back now. 1432 01:17:35.159 --> 01:17:39.279 I want to just recap this in general, over the years, 1433 01:17:39.359 --> 01:17:42.560 Drew has called me on and off, and he recently 1434 01:17:42.680 --> 01:17:46.960 had an issue with a couple personal injury accidents and. 1435 01:17:46.840 --> 01:17:50.399 He said it paired his make money. 1436 01:17:50.600 --> 01:17:53.319 Plus he is getting up there in age I believe 1437 01:17:53.359 --> 01:17:55.399 he said seventy eight years old or whatever. 1438 01:17:55.439 --> 01:17:57.560 So he has a problem. 1439 01:17:57.760 --> 01:18:01.600 He's running out of savings and he's going to be homeless, 1440 01:18:01.640 --> 01:18:02.800 and I do feel bad for him. 1441 01:18:02.840 --> 01:18:05.640 He's in New Jersey. And he also said that. 1442 01:18:07.119 --> 01:18:09.680 He started to go fund me, and I told him 1443 01:18:09.880 --> 01:18:14.520 I did look at gofund me, and I went and 1444 01:18:14.800 --> 01:18:16.439 looked at his page, and I thought. 1445 01:18:16.239 --> 01:18:19.319 You know, Drew, what you need to do is update. 1446 01:18:19.399 --> 01:18:22.880 You need to do a little better on the description, 1447 01:18:23.079 --> 01:18:29.079 because I feel it's not going to endear people to you, 1448 01:18:29.159 --> 01:18:34.640 nor will it help you raise money and in general. 1449 01:18:34.760 --> 01:18:38.000 I also told him that I don't think this is 1450 01:18:38.039 --> 01:18:40.239 going to do it for him. I don't think he's 1451 01:18:40.279 --> 01:18:43.359 going to raise enough money to meet his crisis which 1452 01:18:43.399 --> 01:18:46.760 is coming up, and frankly, I don't know what to 1453 01:18:46.800 --> 01:18:52.239 do for him. So I noticed though, that the description 1454 01:18:52.399 --> 01:18:54.960 that I emailed him is still not up on GoFundMe. 1455 01:18:55.560 --> 01:18:58.279 He does not have a computer, he said, so he 1456 01:18:58.319 --> 01:19:00.000 can't update it. He has to go to the law 1457 01:19:00.079 --> 01:19:04.239 library and let the librarian upgrade it for him. And 1458 01:19:04.279 --> 01:19:07.720 I told him, we'll take that description I wrote and 1459 01:19:07.960 --> 01:19:08.560 upload it. 1460 01:19:09.399 --> 01:19:11.359 At least that'll give you a fighting chance. 1461 01:19:12.319 --> 01:19:16.319 The description up there now is too political, I believe, 1462 01:19:16.399 --> 01:19:21.039 and I don't believe it truly tells his story of 1463 01:19:21.079 --> 01:19:25.600 his personal injury accidents and how he needs money to 1464 01:19:25.720 --> 01:19:30.479 stay off the streets. I don't know why you're calling back, Drew. 1465 01:19:30.720 --> 01:19:33.560 The last time I left you, you were going to 1466 01:19:33.600 --> 01:19:35.840 get that description updated. 1467 01:19:36.279 --> 01:19:39.079 So is there anything new in your case? Drew? 1468 01:19:40.960 --> 01:19:46.520 So there's nothing new. You just describe things perfectly, And 1469 01:19:47.039 --> 01:19:52.840 I just called to say that I appreciate your lovely efforts, 1470 01:19:53.159 --> 01:19:57.039 and yes, we've been together many or secades, So I 1471 01:19:57.119 --> 01:20:00.600 just wanted to thank you and just mentioned I think 1472 01:20:00.640 --> 01:20:04.119 you said it though. There were two car accidents, not 1473 01:20:04.319 --> 01:20:08.760 just the U the Yukon. I was also rear ended. 1474 01:20:09.720 --> 01:20:13.880 I have four herniated this and my right arm is 1475 01:20:13.920 --> 01:20:15.079 pretty useless. 1476 01:20:15.399 --> 01:20:17.920 But what happened to your car? What happened to your 1477 01:20:17.920 --> 01:20:19.039 car in that accident? 1478 01:20:21.800 --> 01:20:25.520 Well, this is an unusual story. It got rear ended. 1479 01:20:26.119 --> 01:20:29.319 The traffic was stopped on two eighty seven North. I 1480 01:20:29.479 --> 01:20:34.079 was rear ended, and the company really did a great 1481 01:20:34.159 --> 01:20:37.760 job preparing the car. They put on new parts. 1482 01:20:38.079 --> 01:20:41.359 How we paid for it? Did the offending party pay 1483 01:20:41.399 --> 01:20:42.760 for it? The afall party? 1484 01:20:43.680 --> 01:20:43.880 Yes? 1485 01:20:44.000 --> 01:20:47.520 And I was fortunate because I had no collision because 1486 01:20:47.560 --> 01:20:50.920 I couldn't afford it. Insurant car insurance rates are way 1487 01:20:51.000 --> 01:20:56.560 up too. And the only negative thing is the driver 1488 01:20:56.720 --> 01:21:01.119 from the Department of Transportation when he drove my car 1489 01:21:01.560 --> 01:21:05.239 off the road, he hit it into the guardrail, and 1490 01:21:06.039 --> 01:21:08.079 he's saying that the government's not liable. 1491 01:21:10.760 --> 01:21:13.920 So the rear end damage was fixed, but not that 1492 01:21:14.199 --> 01:21:15.199 damage that he. 1493 01:21:15.079 --> 01:21:17.239 Did right correct. 1494 01:21:18.159 --> 01:21:19.880 Is your car drivable right now? 1495 01:21:20.680 --> 01:21:21.079 Yes? 1496 01:21:21.800 --> 01:21:26.119 Okay, So you just wanted to call today. I'm just 1497 01:21:26.199 --> 01:21:29.039 wondering what the reason for the call today, Sir. 1498 01:21:30.000 --> 01:21:33.640 Well, because I do believe in Jesus and heavenly Father, 1499 01:21:34.119 --> 01:21:36.880 and it's the right thing to do to thank you 1500 01:21:36.920 --> 01:21:40.319 and appreciate you for the lovely effort that you're doing. 1501 01:21:40.399 --> 01:21:43.640 Thank you, well, I just hope it does something for you. 1502 01:21:43.760 --> 01:21:43.960 Drew. 1503 01:21:44.720 --> 01:21:47.960 I still have some really bad, big concerns. When are 1504 01:21:48.000 --> 01:21:51.600 you going to get this description updated? 1505 01:21:53.279 --> 01:21:59.319 I'll probably go to the library tomorrow or Saturday, and 1506 01:21:59.479 --> 01:22:04.800 hopefully it depends which librarian is there. It's one of 1507 01:22:04.800 --> 01:22:09.119 the good librarians that'll help me out. 1508 01:22:09.920 --> 01:22:12.439 Let me explain why I didn't do it for him. 1509 01:22:12.720 --> 01:22:16.199 He gave me his log in information, but he does 1510 01:22:16.239 --> 01:22:20.439 the two step verification and there's a message that goes 1511 01:22:20.479 --> 01:22:23.560 to his phone. Well, actually it doesn't go to your phone. 1512 01:22:23.800 --> 01:22:26.119 Where does it go if somebody tries to log on? 1513 01:22:26.239 --> 01:22:27.800 Whose phone number is in there? 1514 01:22:30.399 --> 01:22:32.840 I think it's my phone number line? 1515 01:22:32.880 --> 01:22:34.840 But you don't have Wait a minute, you don't have 1516 01:22:34.880 --> 01:22:36.720 a cell phone? Is that correct? 1517 01:22:37.159 --> 01:22:40.279 Correct? I just have a home phone. I never had 1518 01:22:40.319 --> 01:22:43.520 a computer or a texting or anything like that. 1519 01:22:43.880 --> 01:22:46.560 So then how do you even log into GoFundMe when 1520 01:22:46.640 --> 01:22:50.880 they can't text you a code? 1521 01:22:51.680 --> 01:22:57.319 When the librarian logs in, yes, when in my phone number. Yes, 1522 01:22:57.479 --> 01:23:03.199 and then you hit the bot. In ten minutes they 1523 01:23:03.239 --> 01:23:04.119 send you the code. 1524 01:23:04.800 --> 01:23:06.560 Yeah, But how do they send a code to your 1525 01:23:06.560 --> 01:23:08.079 home phone. 1526 01:23:09.479 --> 01:23:12.880 I bring my phone to the library and plug it 1527 01:23:12.920 --> 01:23:15.399 in at the library, and it actually works. 1528 01:23:15.960 --> 01:23:18.560 Wait a minute, you have a home phone though it's 1529 01:23:18.560 --> 01:23:22.880 not a cellphone jack. Pardon like a magic Is it 1530 01:23:22.920 --> 01:23:23.800 a magic jack? 1531 01:23:25.199 --> 01:23:27.039 I don't know what a magic jack is. All I 1532 01:23:27.119 --> 01:23:29.800 know is we're trying it. I have to take the 1533 01:23:29.880 --> 01:23:33.399 phone and. 1534 01:23:31.880 --> 01:23:36.399 And and wait. So you get text on that phone, Drew. No, 1535 01:23:37.920 --> 01:23:42.920 then I don't understand you with a code? Audibly tell yeah. 1536 01:23:43.039 --> 01:23:44.600 Do they call you with a code? 1537 01:23:45.359 --> 01:23:45.560 Yes? 1538 01:23:46.640 --> 01:23:48.359 Okay, I got you. 1539 01:23:48.880 --> 01:23:52.479 I got you, so right now, if I was to 1540 01:23:52.560 --> 01:23:56.039 sign in to change that description for. 1541 01:23:56.000 --> 01:23:59.920 You, it would it would call you with a code. 1542 01:24:00.479 --> 01:24:03.479 You could give me that code, and I could do 1543 01:24:03.600 --> 01:24:05.960 it for you without putting my phone number in there. 1544 01:24:06.039 --> 01:24:09.000 Right, That's fine by me. 1545 01:24:09.920 --> 01:24:13.279 Let's do that. I never that's a good solution. 1546 01:24:13.720 --> 01:24:16.119 If you stay on the phone, I'm gonna have to 1547 01:24:16.159 --> 01:24:17.439 work it in through breaks. 1548 01:24:17.760 --> 01:24:20.720 Here's what I'll do. I'll go sign on with the information. 1549 01:24:20.840 --> 01:24:23.479 I think I still have the sign in information you 1550 01:24:23.560 --> 01:24:24.760 gave me, dog Gonet. 1551 01:24:25.279 --> 01:24:27.720 I think I still have it. How did you text 1552 01:24:27.720 --> 01:24:31.640 that to me? Oh? No, you emailed me that, didn't you. Yeah, 1553 01:24:32.600 --> 01:24:36.520 how did you email me? Did you do that from 1554 01:24:36.560 --> 01:24:43.319 the library? It doesn't matter. You emailed me your log in. 1555 01:24:43.880 --> 01:24:45.920 So if I log in right now and they call 1556 01:24:46.000 --> 01:24:47.840 you with a code, you give me that code, I'll 1557 01:24:47.840 --> 01:24:50.159 be able to go in and change that description for you. 1558 01:24:51.199 --> 01:24:53.760 That's fine with me. The only thing I would suggest 1559 01:24:53.960 --> 01:24:58.439 is best phone at home. It only lasts about an 1560 01:24:58.439 --> 01:25:04.479 hour and a half. He shuts off, It shuts off. 1561 01:25:05.239 --> 01:25:09.000 Oh, it has to be recharged. I see, all right, 1562 01:25:09.399 --> 01:25:12.319 hold on there, all right, just hang in there. I'm 1563 01:25:12.319 --> 01:25:14.960 gonna try to get back to you before too long. 1564 01:25:15.479 --> 01:25:15.760 Again. 1565 01:25:15.840 --> 01:25:18.119 I have to work through these calls, So hang on. 1566 01:25:18.640 --> 01:25:21.239 I'm Tom Martinez. We're gonna we're gonna take this quick break. 1567 01:25:21.279 --> 01:25:23.840 Then here's what we're gonna do. We're gonna try to 1568 01:25:23.880 --> 01:25:26.279 sign on for Drew if I can find that email 1569 01:25:26.319 --> 01:25:30.760 from him, and then uh also uh, I also want 1570 01:25:30.760 --> 01:25:32.920 to mention, speaking of listeners that have been with me 1571 01:25:32.960 --> 01:25:39.000 a long time, My goodness, I just found out that 1572 01:25:39.039 --> 01:25:41.119 one of our listeners passed away that used to call 1573 01:25:41.159 --> 01:25:47.600 in all the time. And ah, it's sad. Because he 1574 01:25:47.600 --> 01:25:52.199 he really did call in a lot. Mark. He called 1575 01:25:52.239 --> 01:25:53.800 in about all kinds of stuff, didn't he? 1576 01:25:55.239 --> 01:25:56.319 And he sure did? 1577 01:25:57.159 --> 01:26:00.279 And what a nice guy. Didn't you didn't when you 1578 01:26:00.319 --> 01:26:01.920 go out to eat with him? Didn't you take him 1579 01:26:01.920 --> 01:26:02.760 out to eat one time? 1580 01:26:02.800 --> 01:26:03.199 You and Sue? 1581 01:26:03.319 --> 01:26:06.079 We definitely Susanne and I met him and his wife. 1582 01:26:06.279 --> 01:26:07.680 Uh, yep, we had a good time. 1583 01:26:08.680 --> 01:26:12.279 His name was Bennett, so those who listened probably heard him. 1584 01:26:12.960 --> 01:26:16.920 He had cancered it and Mark, he did. Yeah, what 1585 01:26:17.039 --> 01:26:19.680 a what a nice man, and he was always looking 1586 01:26:20.039 --> 01:26:22.720 to help others. And then he was calling us. 1587 01:26:23.000 --> 01:26:26.199 We kept him, he said, We kept him company. And 1588 01:26:26.239 --> 01:26:29.279 then it was so nice of Mark and Suzanne to 1589 01:26:29.359 --> 01:26:32.600 meet them for dinner and gave them that that very 1590 01:26:32.640 --> 01:26:37.399 personal connection. So anyway, I wonder how his wife is doing. 1591 01:26:37.439 --> 01:26:42.159 Do you know Mark did Sue's call? I'm just curious 1592 01:26:42.199 --> 01:26:45.000 about that. Anyway, we have more coming up on The 1593 01:26:45.039 --> 01:26:47.239 Troubleshooter Show three h three. 1594 01:26:47.279 --> 01:26:48.239 Seven three. 1595 01:26:52.159 --> 01:26:55.439 Go with a Sure Thing Denver's Best Rufer excel roofing 1596 01:26:55.520 --> 01:26:56.119 dot com. 1597 01:26:56.159 --> 01:26:58.199 You don't pay a cent until you're content. 1598 01:27:01.560 --> 01:27:05.119 Time for an insurance checkup, free, no obligation comparison call 1599 01:27:05.199 --> 01:27:08.520 Compass Insurance paying too much your coverage at dozens of 1600 01:27:08.560 --> 01:27:11.199 insurance companies. Find out now three oh three seven to 1601 01:27:11.279 --> 01:27:14.279 seven one help. You'll think you're his only customer when 1602 01:27:14.319 --> 01:27:16.800 you choose Frank durand the real estate man dot com 1603 01:27:16.840 --> 01:27:19.960 to list your home with Remax Alliance three oh three 1604 01:27:20.039 --> 01:27:28.119 nine two zero sixteen twenty two. Hi Tom Martino, your 1605 01:27:28.359 --> 01:27:32.720 troubleshooter three oh three seven one three talks seven one 1606 01:27:32.720 --> 01:27:35.239 three eight two five five. I can still take that 1607 01:27:35.319 --> 01:27:36.960 code off there if she texts it to me, and 1608 01:27:37.000 --> 01:27:40.720 I'll put it in anyway, I'm gonna go to Daphne, 1609 01:27:40.760 --> 01:27:44.159 who says she has a comment for Joyce. Joyce has 1610 01:27:44.199 --> 01:27:48.880 an issue with Social Security and she was automatically or 1611 01:27:48.920 --> 01:27:51.520 not automatically, but just signed up for Part B when 1612 01:27:51.560 --> 01:27:54.279 she never intended to. Now they're trying to charge her 1613 01:27:54.319 --> 01:27:59.640 for back premiums. Daphney, go ahead, Hi Tom, can you 1614 01:27:59.680 --> 01:28:02.600 hear me? I Ken, Daphne, thank you so much for 1615 01:28:02.720 --> 01:28:05.119 calling in sure sure. 1616 01:28:05.119 --> 01:28:07.319 I know that you're waiting for Integra to colon. They 1617 01:28:07.319 --> 01:28:10.680 are wonderful people. I know them very well. But I 1618 01:28:10.720 --> 01:28:12.920 wanted to give you a call to let you know that, yes, 1619 01:28:13.000 --> 01:28:15.920 you are right as long as that person had credible 1620 01:28:15.960 --> 01:28:20.119 coverage that they should not have to pay any penalties 1621 01:28:20.479 --> 01:28:21.199 in getting. 1622 01:28:20.960 --> 01:28:22.199 Their part these services. 1623 01:28:22.239 --> 01:28:25.039 And what I would recommend is they contact their employer 1624 01:28:25.119 --> 01:28:28.079 whoever they got the coverage through, and ask for a 1625 01:28:28.159 --> 01:28:31.159 letter of credible coverage to then pass on and that 1626 01:28:31.199 --> 01:28:32.039 should be enough. 1627 01:28:31.840 --> 01:28:32.800 To clear it up for them. 1628 01:28:33.159 --> 01:28:35.960 Okay, I want to ask something, Joyce. Did you ever 1629 01:28:36.119 --> 01:28:39.399 ask for a letter of credible coverage covering the period 1630 01:28:39.439 --> 01:28:40.840 from May to September? 1631 01:28:44.000 --> 01:28:44.159 No? 1632 01:28:44.520 --> 01:28:44.960 I do not. 1633 01:28:46.079 --> 01:28:47.479 That's a good idea, Daphne. 1634 01:28:48.000 --> 01:28:52.319 So your husband's former employer needs to give you a 1635 01:28:52.399 --> 01:28:54.079 letter saying that you were covered. 1636 01:28:53.880 --> 01:28:54.640 During that time. 1637 01:28:57.520 --> 01:29:01.960 Okay, and what I may No, I would. 1638 01:29:01.720 --> 01:29:05.039 Never mail it. I would make an appointment, Daphne. 1639 01:29:05.079 --> 01:29:08.880 Wouldn't you make an appointment with the local office. 1640 01:29:09.199 --> 01:29:10.239 Yeah, I sure would. 1641 01:29:10.279 --> 01:29:11.840 I would do that, and I would also get a 1642 01:29:11.880 --> 01:29:14.840 receipt from them showing that you had submitted that. 1643 01:29:15.640 --> 01:29:19.199 Now, Daphne, why did they sign her up for it 1644 01:29:19.319 --> 01:29:23.640 retroactively anyway? Because she's trying to get it now, so 1645 01:29:23.800 --> 01:29:26.600 they they just probably said, look, if you don't want 1646 01:29:26.680 --> 01:29:29.199 to be penalized, you're going to have to pay the 1647 01:29:29.239 --> 01:29:30.119 back premiums. 1648 01:29:30.199 --> 01:29:34.000 Right, Yeah, it doesn't make sense to me that they 1649 01:29:34.000 --> 01:29:39.399 would automatically sign her up if she already had credible coverage. 1650 01:29:39.840 --> 01:29:44.079 I think what happened back when she took h Yeah, 1651 01:29:44.079 --> 01:29:47.279 you're right, when they put in a I think they 1652 01:29:47.600 --> 01:29:49.920 they did not sign her up back in May. They 1653 01:29:49.960 --> 01:29:54.079 signed her up in September and retroactively charged her. And 1654 01:29:54.119 --> 01:29:56.319 I think what they were trying to do is tell 1655 01:29:56.359 --> 01:30:00.279 her that if she pays the retroactive premiums, as if 1656 01:30:00.319 --> 01:30:03.319 she signed up when she turned sixty five, then she 1657 01:30:03.399 --> 01:30:06.600 would not be penalized. That's what I think they're saying 1658 01:30:06.600 --> 01:30:09.159 to her, and she's saying, well, I wouldn't have been 1659 01:30:09.600 --> 01:30:12.239 and she's saying, I don't want to pay those back premiums. 1660 01:30:12.640 --> 01:30:15.439 I would not have been penalized anyway. 1661 01:30:16.159 --> 01:30:20.479 So I think there's just a crisscross and miscommunication. 1662 01:30:21.920 --> 01:30:25.000 So yeah, definitely, real quick. 1663 01:30:25.600 --> 01:30:29.479 Yes, they have not taken it out yet. I get 1664 01:30:29.520 --> 01:30:33.760 my first Social Security check in December. They told me 1665 01:30:33.760 --> 01:30:36.039 they're going to take all of that and half of 1666 01:30:36.119 --> 01:30:37.680 my next check. 1667 01:30:38.159 --> 01:30:40.760 Well, of course they are. That's to pay for the premium. 1668 01:30:40.840 --> 01:30:45.920 It's the same topic we're gonna they're mistakingly charging you. Yes, 1669 01:30:46.359 --> 01:30:51.079 they're mistakingly charging you, and they shouldn't. I totally agree 1670 01:30:51.399 --> 01:30:52.760 that they've made a mistake. 1671 01:30:54.119 --> 01:30:55.199 So that's it. 1672 01:30:55.359 --> 01:30:58.840 I mean, you get a letter of credible coverage covering 1673 01:30:58.880 --> 01:31:03.760 the period before you signed up for it in September. Hey, Daphne, 1674 01:31:03.800 --> 01:31:07.159 as a licensed medicare agent, what do you do? 1675 01:31:10.319 --> 01:31:13.840 I have my own business called Primetime Advisors. I have 1676 01:31:13.920 --> 01:31:17.039 a master's degree in gerontology. I live in the Denver area, 1677 01:31:17.439 --> 01:31:18.840 so I've been doing this for a long time. I 1678 01:31:18.840 --> 01:31:21.159 have more than thirty years experience. 1679 01:31:21.239 --> 01:31:22.680 Working in senior healthcare. 1680 01:31:23.840 --> 01:31:25.199 I'm so blessed to be able. 1681 01:31:25.039 --> 01:31:25.680 To do what I do. 1682 01:31:26.119 --> 01:31:27.199 And now do you do? 1683 01:31:27.239 --> 01:31:30.319 You do just a healthcare So do you help people 1684 01:31:30.359 --> 01:31:31.800 with advantage and supplements? 1685 01:31:31.880 --> 01:31:32.640 Is that what you do? 1686 01:31:33.960 --> 01:31:35.840 That is what I do, and that's all I do. 1687 01:31:35.920 --> 01:31:37.720 I don't do any other kinds of insurance. 1688 01:31:38.279 --> 01:31:40.640 Okay, really working with older adults? 1689 01:31:41.000 --> 01:31:42.199 Okay, Well that's good to know. 1690 01:31:42.359 --> 01:31:44.319 Thank you, and always feel free to call in with 1691 01:31:45.039 --> 01:31:48.119 your expert opinion on that. I don't think we need 1692 01:31:48.119 --> 01:31:51.359 integer right now for this question. I appreciate it. So 1693 01:31:51.800 --> 01:31:54.119 tell them they can get back to their their hard 1694 01:31:54.119 --> 01:31:57.640 work and open enrollment because Joyce has her marching orders. 1695 01:31:58.000 --> 01:32:02.880 And again, Daphne, thank you. For shedding light on that. Now, 1696 01:32:03.439 --> 01:32:07.680 Bill says he has a suggestion for Drew and Katchina. 1697 01:32:07.840 --> 01:32:10.600 Make sure is Drew going to call us back with 1698 01:32:10.680 --> 01:32:15.199 that code yescause because it's expiring in a few minutes. 1699 01:32:15.399 --> 01:32:21.720 We usually he will, I don't he will call, but again, 1700 01:32:21.840 --> 01:32:24.560 his phone is weird, so I don't know if something's 1701 01:32:24.600 --> 01:32:25.000 going on. 1702 01:32:25.119 --> 01:32:27.399 Well, if I miss out on this week, hold on, 1703 01:32:27.600 --> 01:32:28.000 hold on? 1704 01:32:28.800 --> 01:32:31.359 Okay, good, so you can give me the code right 1705 01:32:31.560 --> 01:32:33.600 right over the air. I don't care because I could. 1706 01:32:33.680 --> 01:32:35.760 No one's going to do anything with that code anyway. 1707 01:32:36.079 --> 01:32:38.319 They don't have his log and they'll never guess his 1708 01:32:38.439 --> 01:32:40.760 log in name and password to begin with. 1709 01:32:41.399 --> 01:32:46.880 So what is that code? Did he give it to you? Okay? 1710 01:32:46.920 --> 01:32:49.760 We're waiting three h three? What is your I've got? Okay, 1711 01:32:49.760 --> 01:32:50.760 what what's the code? 1712 01:32:50.920 --> 01:32:53.479 Zero seven six. 1713 01:32:53.279 --> 01:33:00.920 Zero seven seven two six. That's not enough digits. It's 1714 01:33:00.960 --> 01:33:04.079 got zero seven seven two six does not cut it. 1715 01:33:04.159 --> 01:33:07.359 I need one more digit either, be whatever. It's not 1716 01:33:07.479 --> 01:33:14.760 the right code. It's a six digit number. Oh god, 1717 01:33:14.840 --> 01:33:18.000 this is like I remember. There's a throwback to the 1718 01:33:18.079 --> 01:33:20.880 days when my mom used to call with a technical problem. 1719 01:33:21.520 --> 01:33:24.920 Mom, do you have it turned on? 1720 01:33:27.640 --> 01:33:32.720 I'll remember one time my mother took her cordless phone. See, 1721 01:33:33.439 --> 01:33:37.520 she saw all us with our cell phones, and then 1722 01:33:37.560 --> 01:33:40.600 she took her cordless phone to the supermarket. 1723 01:33:41.880 --> 01:33:43.560 Thinking it was going to work like a. 1724 01:33:43.520 --> 01:33:47.520 Cell phone, while she had was a regular cordless phone. 1725 01:33:47.640 --> 01:33:51.279 That's a long story, but she thought that was going 1726 01:33:51.359 --> 01:33:53.279 to be her means of communication. 1727 01:33:53.319 --> 01:33:56.720 I said, Mom, that's not a cell phone. We didn't 1728 01:33:56.720 --> 01:33:57.600 call them sell at the time. 1729 01:33:57.640 --> 01:34:01.760 I said, that's not a mobile phone, that's a cordless phone. 1730 01:34:02.159 --> 01:34:04.119 And she said, well, it looks just like yours, and 1731 01:34:04.159 --> 01:34:06.520 it doesn't have a chord on it, and it has 1732 01:34:06.520 --> 01:34:10.279 an antenna, so she thought it was a mobile phone. 1733 01:34:11.000 --> 01:34:12.319 Did we get that code or not. 1734 01:34:14.000 --> 01:34:18.199 So unfortunately, Drew missed the call because he didn't recognize 1735 01:34:18.239 --> 01:34:19.640 the number and it went to miss mail. 1736 01:34:19.720 --> 01:34:23.479 Got almighty, this is such a joke. This is such 1737 01:34:23.520 --> 01:34:25.800 a joke. So he needs you to log back in. 1738 01:34:26.279 --> 01:34:28.760 Yeah, okay, I'll do it when I have time. I 1739 01:34:28.800 --> 01:34:30.880 am doing a little bit of a radio show here. 1740 01:34:31.239 --> 01:34:33.880 All right, Bill, what is your suggestion for Drew? 1741 01:34:35.520 --> 01:34:37.479 I can think of I can think of some, but 1742 01:34:37.920 --> 01:34:39.520 I'm not sure you can bend over that far. 1743 01:34:39.560 --> 01:34:43.560 Go ahead, since his phone is dying on him when 1744 01:34:43.560 --> 01:34:46.760 he's on hold. Just plug it into the charger while 1745 01:34:46.800 --> 01:34:47.399 he's on hold. 1746 01:34:47.399 --> 01:34:49.640 That's what I do when I when you put me 1747 01:34:49.720 --> 01:34:50.199 on hold. 1748 01:34:50.600 --> 01:34:54.359 I think he might have he may have one of 1749 01:34:54.359 --> 01:34:56.079 those chargers that's a cradle. 1750 01:34:57.960 --> 01:34:59.600 Well, that could be a product. 1751 01:35:00.000 --> 01:35:02.920 I think that's what it is. I mean, I'm surprised 1752 01:35:02.920 --> 01:35:05.279 he even has a cordless phone. Bill, By the way, 1753 01:35:05.359 --> 01:35:09.560 thanks for calling. And Bill's another old timers been calling 1754 01:35:09.600 --> 01:35:11.920 for years and years and years and years. And Bill, 1755 01:35:11.960 --> 01:35:17.439 you heard about our good friend Bennett, right, and he 1756 01:35:17.600 --> 01:35:18.279 passed away. 1757 01:35:18.920 --> 01:35:21.159 I'm not trying to make a comparison here to you. Bill. 1758 01:35:21.239 --> 01:35:22.680 You sound very healthy. 1759 01:35:22.399 --> 01:35:25.920 But well I'm on my last streams too. 1760 01:35:26.560 --> 01:35:27.479 What's going on with you? 1761 01:35:27.600 --> 01:35:27.880 Bill? 1762 01:35:28.319 --> 01:35:30.680 No, just getting old. I'm as old as you are. 1763 01:35:31.399 --> 01:35:32.399 How old is that? Bill? 1764 01:35:33.319 --> 01:35:36.479 Well, i'll be let's say I'm seventy seventy two. 1765 01:35:36.560 --> 01:35:40.600 Now, wait a minute, you're only seventy two and you're 1766 01:35:40.640 --> 01:35:42.119 saying you're on your last legs. 1767 01:35:42.199 --> 01:35:44.560 Yes, son of them on the downhill side. 1768 01:35:45.319 --> 01:35:47.359 Why do you go to the gym? 1769 01:35:48.079 --> 01:35:49.319 No, I go to the doctor. 1770 01:35:51.199 --> 01:35:52.000 God. 1771 01:35:52.119 --> 01:35:54.159 Hey, well you know I got another question. Since we're 1772 01:35:54.199 --> 01:35:55.560 talking about old age. 1773 01:35:56.159 --> 01:35:59.239 Well, I wasn't talking about old age you were? Anyway, 1774 01:35:59.279 --> 01:35:59.720 go ahead? 1775 01:35:59.760 --> 01:36:03.600 When do I have to start taking mandatory with Charles 1776 01:36:03.640 --> 01:36:04.000 from my. 1777 01:36:04.039 --> 01:36:06.000 Four oh one seventy three years old? 1778 01:36:06.600 --> 01:36:08.399 Is that the end of the year or is it 1779 01:36:08.600 --> 01:36:09.199 any time? 1780 01:36:10.640 --> 01:36:12.960 I don't actually know that. I can find that out 1781 01:36:13.000 --> 01:36:14.520 because I'll just ask my. 1782 01:36:16.079 --> 01:36:19.600 Like I'm with Vanguard and I call there and nobody 1783 01:36:19.640 --> 01:36:20.319 knows anything. 1784 01:36:21.159 --> 01:36:24.119 Hey, let me ask you some bill. You've accumulated money. 1785 01:36:24.119 --> 01:36:26.560 Have you ever thought of an annuity though? Because of that? 1786 01:36:26.800 --> 01:36:29.239 So you have that steady guaranteed And I'm not trying 1787 01:36:29.239 --> 01:36:31.439 to sell you on. I'm just curious. Or are you 1788 01:36:31.640 --> 01:36:34.359 just going to start drawing down your account? 1789 01:36:34.720 --> 01:36:40.199 I don't even need it because I got a good pension, okay. 1790 01:36:40.239 --> 01:36:41.760 So are you just going to leave that as a 1791 01:36:41.800 --> 01:36:43.239 cushion to leave to your wife? 1792 01:36:43.920 --> 01:36:45.920 I'm going to try to spend it. But you know, 1793 01:36:47.119 --> 01:36:48.520 you know me, and you want. 1794 01:36:48.319 --> 01:36:50.520 To go on a vacation with a friend who's. 1795 01:36:50.279 --> 01:36:53.600 Your age, Sure we'll go to New York. 1796 01:36:54.119 --> 01:36:56.840 Hey, Bill, come on, man, you got to get to 1797 01:36:56.880 --> 01:36:57.359 the gym. 1798 01:36:57.760 --> 01:36:59.000 You got to get to New York. 1799 01:36:59.000 --> 01:37:02.399 Are you from I went to high school right across 1800 01:37:02.439 --> 01:37:04.079 the street from Belmont racetrack. 1801 01:37:04.880 --> 01:37:06.920 Well, hold on, you're from Queens right. 1802 01:37:07.279 --> 01:37:10.039 No, No, that's Long Island right, No, it's Queens Long Island. 1803 01:37:10.039 --> 01:37:11.119 I went to Floral Park. 1804 01:37:11.239 --> 01:37:14.640 Belmont is Long right. Wait wait, I'm thinking of aqueduct. 1805 01:37:14.920 --> 01:37:18.640 Belmont is Long Island right near Uniondale, right, Bill, I. 1806 01:37:18.640 --> 01:37:22.199 Was thinking of act by Floral Park. It's right by Queens. 1807 01:37:22.239 --> 01:37:25.840 It's right in Uniondale, right near Uniondale and the whole area. 1808 01:37:25.800 --> 01:37:26.000 You know. 1809 01:37:27.079 --> 01:37:28.600 Yeah, yeah, yeah, bayside Bill. 1810 01:37:29.600 --> 01:37:31.319 You know do you know the uh it was? It 1811 01:37:31.359 --> 01:37:32.640 called Hempstead Turnpike. 1812 01:37:32.840 --> 01:37:35.840 Yeah, Okay, my dad had a barber shop there. 1813 01:37:37.720 --> 01:37:41.119 Yeah. But they did mostly gamester meetings and a little 1814 01:37:41.119 --> 01:37:44.920 hare on the side in the back room. 1815 01:37:44.960 --> 01:37:46.880 They did the meetings in the front room. 1816 01:37:46.920 --> 01:37:51.079 They had a barbershop, otherwise known as launder laundering money anyway. 1817 01:37:51.119 --> 01:37:53.399 Three oh three seven one three talks seven one three 1818 01:37:53.520 --> 01:38:01.920 eight two five five Go with a sure thing Denver's 1819 01:38:01.960 --> 01:38:04.239 Best roofer Excel Roofing dot com. 1820 01:38:04.279 --> 01:38:06.319 You don't pay a cent until you're content. 1821 01:38:07.840 --> 01:38:12.119 Wait time for an insurance check up free no obligation 1822 01:38:12.279 --> 01:38:16.119 comparison call Compass insurance paying too much your coverage at 1823 01:38:16.159 --> 01:38:17.560 dozens of insurance companies. 1824 01:38:17.640 --> 01:38:20.239 Find out now three all three seven to seven to one. Help. 1825 01:38:20.399 --> 01:38:23.039 You'll think you're his only customer when you choose Frank 1826 01:38:23.119 --> 01:38:25.560 durand the real estate man dot com to list your 1827 01:38:25.600 --> 01:38:28.760 home with Remax Alliance three oh three nine two zero 1828 01:38:28.840 --> 01:38:36.039 sixteen twenty two. Hi Tom Martino, your troubleshooter three O 1829 01:38:36.159 --> 01:38:39.720 three seven one three talk three A three seven on 1830 01:38:39.800 --> 01:38:43.199 three eight two five five. Ron has a furnace question. 1831 01:38:43.279 --> 01:38:44.520 Hello Ron, what's going on? 1832 01:38:45.560 --> 01:38:48.960 Tom? Thanks for taking the call. Yes, sir, you're talking 1833 01:38:48.960 --> 01:38:52.760 about the ladies had smoke or something and I didn't 1834 01:38:52.800 --> 01:38:55.920 catch all of the was that eight her furnace? 1835 01:38:57.600 --> 01:38:58.600 Wait? Which one was? 1836 01:38:58.880 --> 01:39:02.600 Oh wait, wait one that smelled that? That odor in 1837 01:39:02.640 --> 01:39:06.479 her heating? That was something happened with the refrigerant. 1838 01:39:06.560 --> 01:39:08.199 It was leaked. 1839 01:39:07.920 --> 01:39:10.960 And uh and then it was a mistake they made 1840 01:39:11.000 --> 01:39:11.760 in the installation. 1841 01:39:11.840 --> 01:39:14.279 They didn't take no fittings and after. 1842 01:39:14.039 --> 01:39:17.279 The refrigerant got out, then she said she's smelling a 1843 01:39:17.319 --> 01:39:18.640 funny odor as well. 1844 01:39:19.079 --> 01:39:25.600 Okay, I'm looking at the furnaces and that's not a 1845 01:39:25.680 --> 01:39:28.119 problem with Oh hell no. 1846 01:39:28.199 --> 01:39:33.319 You're looking at ninety percent furnaces with like a variable speed, 1847 01:39:33.399 --> 01:39:38.399 right and multi stage. Those are great. Those are great. Now, 1848 01:39:38.399 --> 01:39:40.159 who's who are you looking at for this. 1849 01:39:42.119 --> 01:39:43.239 Total comfort? 1850 01:39:43.960 --> 01:39:44.840 And how do you know them? 1851 01:39:45.439 --> 01:39:46.680 They've been around a long time. 1852 01:39:47.000 --> 01:39:48.560 How do you know them? Do you have they done 1853 01:39:48.600 --> 01:39:49.960 work for you neighbor. 1854 01:39:51.399 --> 01:39:52.239 For thirty years? 1855 01:39:53.039 --> 01:39:56.439 Okay, Well, like I said, do your homework. I hope 1856 01:39:56.479 --> 01:39:58.800 you know and trust them. We have wonderful people as well. 1857 01:39:59.399 --> 01:40:01.760 Three or three seven one three talks seven one three 1858 01:40:01.800 --> 01:40:03.720 eight two five five. We have more coming up on 1859 01:40:03.720 --> 01:40:07.359 the Troubleshooter Show. And I'm gonna try to get Drew's 1860 01:40:07.640 --> 01:40:09.680 go fundme rewritten. 1861 01:40:10.359 --> 01:40:11.199 So stick around. 1862 01:40:18.720 --> 01:40:21.960 Go with a sure thing Denver's Best roofer Excel Roofing 1863 01:40:22.079 --> 01:40:22.640 dot com. 1864 01:40:22.680 --> 01:40:24.680 You don't pay a cent until you're content. 1865 01:40:28.079 --> 01:40:31.279 Time for an insurance check up free no obligation comparison 1866 01:40:31.399 --> 01:40:34.920 call Compass Insurance paying too much your coverage at dozens 1867 01:40:34.960 --> 01:40:37.720 of insurance companies find out now three all three seven 1868 01:40:37.800 --> 01:40:40.600 seven to one help. You'll think you're his only customer 1869 01:40:40.640 --> 01:40:42.920 when you choose Frank durand the real estate Man dot 1870 01:40:42.920 --> 01:40:46.239 com to list your home with Remax Alliance three all 1871 01:40:46.279 --> 01:40:49.640 three nine two zero sixteen twenty two. 1872 01:40:53.800 --> 01:40:59.159 Ript news So you don't have. 1873 01:41:01.359 --> 01:41:03.760 Come running, just as as we can. 1874 01:41:05.039 --> 01:41:06.560 Shooter's gonna help. 1875 01:41:06.600 --> 01:41:10.680 Come six is the Troubleshooter Show. 1876 01:41:11.279 --> 01:41:15.640 No Tom Martine, Hi Tom Martino. Here, let's go and 1877 01:41:15.800 --> 01:41:20.439 see what we can do for you. Three oh three 1878 01:41:20.479 --> 01:41:23.279 seven one three talk three oh three seven to one, 1879 01:41:23.359 --> 01:41:25.680 three eight two five five. 1880 01:41:26.560 --> 01:41:27.319 This hour brought to. 1881 01:41:27.279 --> 01:41:32.319 You by Gravina's Windows nine p fifty West Evans. Fifty 1882 01:41:32.439 --> 01:41:38.479 lines of windows, doors, siding, everything you need. Gravinas is 1883 01:41:38.640 --> 01:41:42.039 on nine fifty West Evans, in business since eighty eight. 1884 01:41:42.560 --> 01:41:44.239 Nick Gravina now running it. 1885 01:41:44.279 --> 01:41:49.079 He's a genius with windows, doors, and uh siding. You're 1886 01:41:49.159 --> 01:41:51.680 gonna want them on your side. They've been on my 1887 01:41:51.800 --> 01:41:55.880 referral list for twenty years and the number is three 1888 01:41:55.880 --> 01:42:03.520 oh three four seven two eighty four sixty two. All right, now, Anthony, 1889 01:42:04.199 --> 01:42:08.880 you had called a couple days ago about your sewer line. 1890 01:42:09.039 --> 01:42:11.960 What's going on? Anthony? 1891 01:42:13.079 --> 01:42:15.680 Hey, Tom So, Yeah, when I called you just talking 1892 01:42:15.680 --> 01:42:18.079 about that liner that they put inside of it. 1893 01:42:18.239 --> 01:42:21.000 Yeah, you were wondering what options could you have, and 1894 01:42:21.079 --> 01:42:21.760 I said, hey. 1895 01:42:21.640 --> 01:42:24.079 Could you let me know what you're going to go with? 1896 01:42:24.720 --> 01:42:28.239 Because you had a sewer line that went from your 1897 01:42:28.319 --> 01:42:31.880 house through a neighbor's yard and then out to the street. 1898 01:42:32.399 --> 01:42:35.039 And I thought, well, there's a pipe bursting. There's also 1899 01:42:35.079 --> 01:42:38.720 a lining. There are different options, but I wasn't sure 1900 01:42:39.159 --> 01:42:41.199 what they could do in your particular case. 1901 01:42:45.800 --> 01:42:49.600 Did he go? Is he gone? I guess he is. 1902 01:42:50.720 --> 01:42:55.039 Well, sorry, Anthony, we got disconnected three h three seven 1903 01:42:55.119 --> 01:42:57.960 one three talks seven one three eight two five five. 1904 01:42:58.399 --> 01:43:04.119 Funny how that happens. Oh he's back. Okay, So what 1905 01:43:04.199 --> 01:43:05.520 did you end up doing, Anthony? 1906 01:43:06.720 --> 01:43:08.800 So I talked to plumb Line. They came out and 1907 01:43:08.800 --> 01:43:12.119 scope the line. It actually ends up being two neighbors 1908 01:43:12.119 --> 01:43:15.760 on one side of me, including myself one more neighbor. 1909 01:43:16.039 --> 01:43:18.359 Then it gets to the street and it's going through 1910 01:43:18.359 --> 01:43:19.319 our backyards. 1911 01:43:19.720 --> 01:43:21.119 Oh my gosh. 1912 01:43:22.960 --> 01:43:24.359 Yeah, so they see. 1913 01:43:24.399 --> 01:43:28.199 He suggested talking to the city because if that's the 1914 01:43:28.239 --> 01:43:31.800 main line, the city should be responsible for the main line. 1915 01:43:32.199 --> 01:43:34.439 Why would it be a main line because it goes 1916 01:43:34.479 --> 01:43:35.560 through so many yards. 1917 01:43:36.920 --> 01:43:39.479 Yeah, because all of us neighbors connect to that. 1918 01:43:40.279 --> 01:43:43.800 Oh I see, okay, and what happened. 1919 01:43:44.960 --> 01:43:47.920 So he said, we couldn't do the liner version just 1920 01:43:48.000 --> 01:43:51.039 because the bellies where the water is freestanding, the liner 1921 01:43:51.079 --> 01:43:52.399 wouldn't take correctly. 1922 01:43:52.880 --> 01:43:54.920 Okay, So that's that. 1923 01:43:56.520 --> 01:43:58.760 So once I talked to the city, the city basically 1924 01:43:58.760 --> 01:44:00.600 just says, oh, Yeah, that's something I haven't done in 1925 01:44:00.640 --> 01:44:04.239 a long time. That's one step short of being illegal 1926 01:44:04.279 --> 01:44:07.880 in any new construction. And the city basically washed their 1927 01:44:07.920 --> 01:44:10.680 hands of it and says it is entirely the owned 1928 01:44:10.920 --> 01:44:15.520 sewage line of the property owners, basically meeting me and 1929 01:44:15.560 --> 01:44:17.840 all my neighbors technically own that, so if we want 1930 01:44:17.840 --> 01:44:20.800 to repair it, we're on our own. And according to plumbline, 1931 01:44:20.800 --> 01:44:24.279 that's roughly figet the whole thing fixed in all four yards. 1932 01:44:24.319 --> 01:44:26.479 We're looking forty to fifty thousand dollars. 1933 01:44:26.479 --> 01:44:28.399 Oh for sure, for sure it is. 1934 01:44:29.640 --> 01:44:31.960 Yeah, and that's on the low end, not counting any 1935 01:44:32.359 --> 01:44:34.760 issues we have. Where it goes under mine, well. 1936 01:44:34.600 --> 01:44:38.560 Are your neighbors having issues? Are your neighbors having issues. 1937 01:44:39.199 --> 01:44:40.840 Now that they've mentioned to me, but on sad and 1938 01:44:40.880 --> 01:44:44.239 ask them, we're kind of at the point where we 1939 01:44:44.279 --> 01:44:46.279 think we may just have to snake the line every 1940 01:44:46.359 --> 01:44:49.039 year just to clean out anything that might have come through. 1941 01:44:49.560 --> 01:44:52.439 Well, how many neighbors total, Let's say it's fifty grand. 1942 01:44:52.600 --> 01:44:57.199 How many neighbors or okay, so you know it's going 1943 01:44:57.239 --> 01:45:01.000 to be over ten grand each, right, do you think 1944 01:45:01.039 --> 01:45:02.880 your neighbors would be up for that or not? 1945 01:45:05.279 --> 01:45:08.119 It could be perfectly honest. No. A few months ago 1946 01:45:08.279 --> 01:45:12.319 the streets flooded after a rainstorm. The city drains clogged up, 1947 01:45:12.399 --> 01:45:15.359 and two of the four had their basements flooded out. 1948 01:45:15.399 --> 01:45:16.600 They had to replace. 1949 01:45:16.239 --> 01:45:19.640 All of that stuff, had to replace what. 1950 01:45:21.760 --> 01:45:23.359 Furnace, water heaters. 1951 01:45:23.760 --> 01:45:26.359 So did they know it can happen again? I mean 1952 01:45:26.520 --> 01:45:27.960 the sewer line could happen. 1953 01:45:29.039 --> 01:45:31.199 Oh yeah, the city knows about it and they staid 1954 01:45:31.199 --> 01:45:36.560 they're working on it. So who knows fun situations? The 1955 01:45:36.640 --> 01:45:38.079 joy of old houses. 1956 01:45:38.760 --> 01:45:40.760 Anyway, it's amazing to me. 1957 01:45:41.279 --> 01:45:44.520 Three oh three seven one three talks seven one three 1958 01:45:44.600 --> 01:45:45.560 eight two five five. 1959 01:45:45.600 --> 01:45:46.439 I'm sorry about that. 1960 01:45:46.479 --> 01:45:49.359 Man, You're gonna have an issue, especially when you go 1961 01:45:49.399 --> 01:45:52.439 to sell it. Man, people, you got to know what 1962 01:45:52.520 --> 01:45:55.800 your property entails and the complications. 1963 01:45:57.119 --> 01:46:00.159 Yvonne, what's going on with you? Yvonne? 1964 01:46:01.439 --> 01:46:01.960 Yes, I. 1965 01:46:03.600 --> 01:46:06.000 Know that you work with Compass Insurance and I just 1966 01:46:06.560 --> 01:46:09.520 wanted to know if you had any thoughts on I 1967 01:46:09.560 --> 01:46:15.159 received a I'm switching insurance. I have All State currently 1968 01:46:15.239 --> 01:46:18.239 and they deny two claims store of claims and so 1969 01:46:18.640 --> 01:46:22.720 we've decided to let We went through target on Services 1970 01:46:22.760 --> 01:46:23.399 with Matthew. 1971 01:46:24.000 --> 01:46:25.960 How's it working work on that for us? 1972 01:46:26.880 --> 01:46:27.239 Well? 1973 01:46:27.279 --> 01:46:30.039 We're just waiting at this time. It's just the waiting game. 1974 01:46:30.119 --> 01:46:32.920 So we haven't we haven't heard anything back yet as 1975 01:46:32.920 --> 01:46:39.920 far as you know, Resolve. But I'm I'm in the 1976 01:46:40.000 --> 01:46:43.960 process of looking for a new insurance and know that 1977 01:46:44.000 --> 01:46:45.279 you work with Compass Insurance. 1978 01:46:45.479 --> 01:46:47.640 Yeah, now I work with Compass. But let me explain 1979 01:46:47.640 --> 01:46:49.000 what I love about Compass. 1980 01:46:49.279 --> 01:46:51.640 They do the insurance check up, but they sometimes will 1981 01:46:51.680 --> 01:46:53.119 recommend that you stay where you are. 1982 01:46:53.159 --> 01:46:55.800 In other words, they're really honest about it. 1983 01:46:55.880 --> 01:46:58.800 So when I say I work with Compass, yes, but 1984 01:46:58.920 --> 01:47:02.079 Compass would even tell me like or they told Mark 1985 01:47:02.119 --> 01:47:04.319 one time, Mark, stay where you are, you don't have 1986 01:47:04.399 --> 01:47:06.880 to move over, that who you have is doing a 1987 01:47:06.920 --> 01:47:07.439 great job. 1988 01:47:08.119 --> 01:47:10.279 And and but then it wasn't a year or two 1989 01:47:10.439 --> 01:47:10.880 after that. 1990 01:47:11.000 --> 01:47:13.760 So they'll keep and they'll do an insurance check up 1991 01:47:13.800 --> 01:47:16.319 first to make sure they can give you better coverage 1992 01:47:16.720 --> 01:47:20.680 at better prices before you know, before having you change anything. 1993 01:47:20.720 --> 01:47:24.119 But in your case, if you're having these claims turned down, 1994 01:47:24.439 --> 01:47:27.960 here's here's what's weird about your case that you probably know. 1995 01:47:28.119 --> 01:47:30.520 I hope you know this, But the fact that you 1996 01:47:30.680 --> 01:47:33.680 tried to get claims covered and they did not cover them, 1997 01:47:34.159 --> 01:47:39.479 do you know they still go against you. Yeah, yeah, 1998 01:47:39.560 --> 01:47:42.520 isn't that weird? So they still now consider you high 1999 01:47:42.600 --> 01:47:45.079 risk for the for trying to get two claims covered 2000 01:47:45.399 --> 01:47:48.680 even if they didn't cover them, right. 2001 01:47:49.399 --> 01:47:52.119 So anyway, so go on with your question. Yes, I 2002 01:47:52.159 --> 01:47:52.600 worked with. 2003 01:47:52.560 --> 01:47:57.159 Compass, so I at the time when I checked with Compass, 2004 01:47:57.279 --> 01:48:00.560 they said stay with all stayed at the time, so 2005 01:48:00.920 --> 01:48:01.439 but oh. 2006 01:48:01.880 --> 01:48:03.560 They were honest about it. I love it. 2007 01:48:03.680 --> 01:48:06.720 Yeah, yeah, that was that was That was actually a 2008 01:48:06.720 --> 01:48:09.279 few years ago. But like I said, since then, we've 2009 01:48:09.279 --> 01:48:11.920 had a problem with off State. However, I did get 2010 01:48:12.079 --> 01:48:15.600 a I have an E M. T UH credit Union 2011 01:48:15.680 --> 01:48:19.920 account and they sent me uh reply in the mail 2012 01:48:19.960 --> 01:48:24.159 as far as uh a quote for or available credit 2013 01:48:24.279 --> 01:48:27.359 union member price for auto insurance and homeowners So I 2014 01:48:27.399 --> 01:48:29.720 wanted to see if you had any opinions on that. 2015 01:48:30.159 --> 01:48:33.840 It's basically through true stage. 2016 01:48:34.399 --> 01:48:35.319 But what is it? 2017 01:48:35.159 --> 01:48:38.239 This is provided by Liberty Mutual Insurance. 2018 01:48:38.640 --> 01:48:44.319 Okay, Liberty Mutual not terrible, but yeah, there's nothing wrong 2019 01:48:44.359 --> 01:48:44.920 with Liberty. 2020 01:48:45.880 --> 01:48:49.279 What why did Compass? Did you call Compass. 2021 01:48:48.920 --> 01:48:51.520 Since you decided to cancel All State even though they 2022 01:48:51.560 --> 01:48:53.439 said maybe you should stay. 2023 01:48:53.159 --> 01:48:57.920 With them, Not yet, Like I said, when I contacted Compass. 2024 01:48:58.000 --> 01:49:02.840 This was years prior, so now I'm re looking for 2025 01:49:03.000 --> 01:49:08.039 new insurance because of this problem with All State, So 2026 01:49:08.439 --> 01:49:10.880 we're not going to stay with All States anymore. 2027 01:49:11.000 --> 01:49:11.199 I know. 2028 01:49:11.279 --> 01:49:13.760 But does Compass know that that no matter what, you 2029 01:49:13.840 --> 01:49:14.600 don't want to. 2030 01:49:16.000 --> 01:49:17.960 Yeah, I haven't called them yet. I just wanted to 2031 01:49:17.960 --> 01:49:22.079 get your recommendation on this. You know this credit union 2032 01:49:22.119 --> 01:49:26.720 membership price with True Stage, but they're affiliated, I guess 2033 01:49:26.720 --> 01:49:28.279 with Liberty Mutual Insurance. 2034 01:49:29.239 --> 01:49:33.279 Okay, all right, I think that if they give you 2035 01:49:33.319 --> 01:49:37.800 a good price and good coverage, it's an all right company. 2036 01:49:38.520 --> 01:49:40.960 Okay, what's the price on the coverage. 2037 01:49:42.600 --> 01:49:45.159 I haven't explored it yet. I wasn't even going to 2038 01:49:45.239 --> 01:49:46.840 bother if you said, no, they're terrible. 2039 01:49:46.880 --> 01:49:47.800 No, no they're not. 2040 01:49:48.000 --> 01:49:50.680 They're not like they're not like a Fred Loyer or 2041 01:49:50.720 --> 01:49:53.319 those kinds of people, or All State or farmers or 2042 01:49:53.319 --> 01:49:54.239 American Family. 2043 01:49:54.520 --> 01:49:56.239 No, they're not in that class at all. 2044 01:49:56.600 --> 01:50:01.359 But they're also not in the class of Chubb Travelers, 2045 01:50:02.039 --> 01:50:05.359 auto owners those But they're not terrible at all. So 2046 01:50:05.880 --> 01:50:08.479 and in fact, Compass, if you tell Compass about this, 2047 01:50:08.560 --> 01:50:11.560 they'll they'll compare that too, or or you get a 2048 01:50:11.560 --> 01:50:14.359 price from them, Compass will say to you, you know what, 2049 01:50:14.479 --> 01:50:16.479 that's a good deal or not, they'll see. That's what 2050 01:50:16.520 --> 01:50:19.720 I love about the insurance comparison. You can go out 2051 01:50:19.760 --> 01:50:21.680 and shop on your own, then go to them and 2052 01:50:22.159 --> 01:50:25.159 because no one see it's foolish to say, well, we 2053 01:50:25.199 --> 01:50:27.479 can do better than that if they can, because then 2054 01:50:27.520 --> 01:50:29.840 you'll know when you pay the premium that they're not 2055 01:50:29.920 --> 01:50:32.600 doing better. So I think you're on the right track. 2056 01:50:32.960 --> 01:50:36.399 So Liberty Mutual not a bad company. They're subsidiary, not 2057 01:50:36.479 --> 01:50:39.239 a bad company. Compass Insurance Group. 2058 01:50:39.000 --> 01:50:41.479 If you as I said, for and for those listening 2059 01:50:41.479 --> 01:50:44.800 three h threes on nine ninety six nine thousand for 2060 01:50:44.840 --> 01:50:49.600 your comparison, or the Insurance Health Center dot. 2061 01:50:49.319 --> 01:50:58.199 Com, go with a sure thing Denver's best roofer Excel 2062 01:50:58.319 --> 01:50:59.319 Roofing dot com. 2063 01:50:59.359 --> 01:51:04.840 You don't pay us until you're contenth. 2064 01:51:04.760 --> 01:51:07.960 Time for an insurance check up free no obligation comparison 2065 01:51:08.079 --> 01:51:11.640 call Compass Insurance paying too much your coverage at dozens 2066 01:51:11.680 --> 01:51:14.399 of insurance companies find out now three oh three seven 2067 01:51:14.479 --> 01:51:15.359 seven to one help. 2068 01:51:15.520 --> 01:51:17.319 You'll think you're his only customer. 2069 01:51:17.359 --> 01:51:19.600 When you choose Frank durand the real estate Man dot 2070 01:51:19.640 --> 01:51:22.920 com to list your home with Remax Alliance three oh 2071 01:51:23.000 --> 01:51:37.399 three nine two zero sixteen twenty two. Hi Tom Martino 2072 01:51:37.520 --> 01:51:40.760 here three O three seven one three talk three oh 2073 01:51:40.800 --> 01:51:43.600 three seven one three eight two five five. 2074 01:51:44.119 --> 01:51:46.600 My goodness. Finally, not finally, it's. 2075 01:51:46.479 --> 01:51:49.640 Not like I love by the way your calls, but 2076 01:51:49.680 --> 01:51:52.359 I mean, finally, we've had one call after another after another. 2077 01:51:52.840 --> 01:51:54.560 So now it's open, so you can call in again 2078 01:51:54.640 --> 01:51:57.760 three oh three seven one three talk seven one three 2079 01:51:57.800 --> 01:52:00.000 eight two five five, or remember three oh three March two, 2080 01:52:00.079 --> 01:52:01.319 you know, and you can call that at any time 2081 01:52:01.359 --> 01:52:04.279 three h three six two seven eight four sixty six. 2082 01:52:05.640 --> 01:52:08.920 Back to some of the texting, texting my cell phone 2083 01:52:09.000 --> 01:52:12.199 number and it is my Google cell and then forwards 2084 01:52:12.199 --> 01:52:14.159 to mysell seven four seven nine nine nine. 2085 01:52:14.159 --> 01:52:14.840 Fifty two eighty. 2086 01:52:15.680 --> 01:52:18.239 By the way, buddy, you can't have anybody do a 2087 01:52:18.279 --> 01:52:21.239 liner in a sewer where there is a belly. If 2088 01:52:21.279 --> 01:52:23.760 they do, they will still have a belly. That's absolutely true. 2089 01:52:23.880 --> 01:52:26.119 You don't do a liner. The liner simply lines what's 2090 01:52:26.119 --> 01:52:26.720 already there. 2091 01:52:26.720 --> 01:52:27.520 And I agree. 2092 01:52:27.920 --> 01:52:29.680 So if there's a belly or a low spot, you'll 2093 01:52:29.720 --> 01:52:31.359 always have a belly. A low spot, you can do 2094 01:52:31.399 --> 01:52:34.439 what's called pipe bursting. That's where they get on one 2095 01:52:34.479 --> 01:52:38.920 side and pull through like a bullet head with uh 2096 01:52:39.000 --> 01:52:42.279 that's slightly bigger than the existing pipe, along with another 2097 01:52:42.479 --> 01:52:45.840 pipe behind it, and they literally pull a flexible a 2098 01:52:45.880 --> 01:52:49.319 line through and it bursts or crumbles the one in 2099 01:52:49.359 --> 01:52:52.520 front of it, which is the existing one, and lays. 2100 01:52:52.199 --> 01:52:52.760 The new one. 2101 01:52:53.119 --> 01:52:56.600 And you can do that and the rigidity of the 2102 01:52:56.600 --> 01:52:58.039 new one will get rid of a belly. 2103 01:52:58.279 --> 01:53:00.199 However, if it's a really bad cat. 2104 01:53:02.000 --> 01:53:06.760 A settling of earth, then that would eventually cause possibly 2105 01:53:06.760 --> 01:53:07.640 a belly there. 2106 01:53:07.479 --> 01:53:09.720 Too, so you have limited options. 2107 01:53:09.760 --> 01:53:12.279 Now, one thing you could do is pipe burst in 2108 01:53:12.319 --> 01:53:14.560 an area, then go to the area of the belly 2109 01:53:14.720 --> 01:53:18.520 and just bed that area. If through the years that 2110 01:53:18.640 --> 01:53:21.399 was the only belly that's you could bed just that area, 2111 01:53:21.439 --> 01:53:26.119 so you're limiting your excavation. There are many, many, many 2112 01:53:26.119 --> 01:53:31.199 ways to handle creatively this expensive kind of a job. 2113 01:53:32.119 --> 01:53:36.279 The problem you have, and I really urge people when 2114 01:53:36.319 --> 01:53:38.960 you buy a home, that is one. 2115 01:53:38.760 --> 01:53:42.279 Of the things you really need to look at. I 2116 01:53:42.399 --> 01:53:43.159 look at. 2117 01:53:42.960 --> 01:53:45.000 Buying a home, and I want you to do this 2118 01:53:45.039 --> 01:53:47.439 because it's going to save you money. I call it 2119 01:53:47.479 --> 01:53:52.319 the target. So consider the home the bullseye. That's where 2120 01:53:52.319 --> 01:53:55.039 your home is now. This is a visualization to help 2121 01:53:55.079 --> 01:53:58.479 you do the checking that you need. So if you 2122 01:53:58.600 --> 01:54:01.399 visualize the rings of a tart, you start with where 2123 01:54:01.479 --> 01:54:04.960 your home is and then work outward. Okay, what's around it, 2124 01:54:05.640 --> 01:54:07.920 like like that's where you look at the sewer lines 2125 01:54:07.960 --> 01:54:10.000 and all of that. Then you go to the outer 2126 01:54:10.159 --> 01:54:13.840 ring and then access. How do you get to and 2127 01:54:13.840 --> 01:54:16.800 from your home? Are you depending on an easement? Is 2128 01:54:16.800 --> 01:54:19.359 it a private road? Is there a joint maintenance agreement? 2129 01:54:19.439 --> 01:54:22.039 How solid is it? Then you go back out further. 2130 01:54:22.399 --> 01:54:27.119 What about utilities pipes? You know some people have to 2131 01:54:27.119 --> 01:54:30.159 pay massive fees just to get utilities in if they're 2132 01:54:30.159 --> 01:54:33.439 building or improving or what happens if there is a 2133 01:54:33.479 --> 01:54:36.359 problem with utilities. Who owns the line and if it 2134 01:54:36.479 --> 01:54:39.680 stems other people's property? Is there an agreement for that? 2135 01:54:40.479 --> 01:54:42.600 There's all kinds of things to think about. Then you 2136 01:54:42.640 --> 01:54:45.319 go to the most outermost ring and that goes for 2137 01:54:45.399 --> 01:54:50.239 sewer districts, recreation districts, park district, school districts. What assessments 2138 01:54:50.279 --> 01:54:52.119 will there be in the future, What votes are there, 2139 01:54:52.319 --> 01:54:53.920 Who controls the purse strings? 2140 01:54:54.199 --> 01:54:56.520 How many times will you have to pay and who 2141 01:54:56.560 --> 01:54:59.520 will you have to pay? What's the mill levee and 2142 01:54:59.640 --> 01:55:02.319 what does that mill levy go for not just schools. 2143 01:55:02.359 --> 01:55:06.439 There's all kinds of subdistricts, even a fire protection district 2144 01:55:06.640 --> 01:55:07.319 depending on. 2145 01:55:07.279 --> 01:55:07.920 Where you are. 2146 01:55:08.279 --> 01:55:11.279 So you look at everything so you don't run into 2147 01:55:11.279 --> 01:55:15.239 this problem having a problem where one big sewer line 2148 01:55:15.279 --> 01:55:18.840 goes across private property and it's not the municipality's problem, 2149 01:55:18.880 --> 01:55:22.399 but it's yours and your neighbors. Getting neighbors together to 2150 01:55:22.439 --> 01:55:25.319 spend money can be a nightmare, you know, even though 2151 01:55:25.319 --> 01:55:25.880 they need it. 2152 01:55:26.079 --> 01:55:28.039 They figure out if I stay. 2153 01:55:27.800 --> 01:55:30.399 Put, eventually their neighbors around me are going to replace 2154 01:55:30.399 --> 01:55:32.640 it and I'll benefit from it. That's how a lot 2155 01:55:32.680 --> 01:55:35.600 of these losers think. So you really have to be 2156 01:55:35.720 --> 01:55:38.399 careful when you are buying property. 2157 01:55:38.600 --> 01:55:40.520 Okay, that's very very important. 2158 01:55:40.560 --> 01:55:42.880 So thanks for that text, because it got me to 2159 01:55:42.960 --> 01:55:45.680 talk about something very serious, and that's when you buy. 2160 01:55:45.760 --> 01:55:48.039 Most people, if they're buying newer homes, they don't worry 2161 01:55:48.039 --> 01:55:50.239 about that kind of stuff, although you still have to 2162 01:55:50.239 --> 01:55:55.239 worry about the taxing districts. You might have a newer 2163 01:55:55.279 --> 01:55:58.239 home in an older neighborhood. And let's say that older 2164 01:55:58.279 --> 01:56:02.640 neighborhood has a sewer district. It's not like Denver or it's. 2165 01:56:02.600 --> 01:56:06.640 Not the city but it's a it's a district, and 2166 01:56:06.840 --> 01:56:08.319 the infrastructure is. 2167 01:56:08.359 --> 01:56:10.039 Old, really old. 2168 01:56:10.439 --> 01:56:13.319 They might have to put in a lift station, a substation, 2169 01:56:13.479 --> 01:56:17.439 a new pump station, a whole new treating facility for 2170 01:56:17.520 --> 01:56:23.000 water or whatever, or a sewer district, and that would 2171 01:56:23.079 --> 01:56:25.560 be assessed to the members. So even though you have 2172 01:56:25.560 --> 01:56:28.079 a new home, you're thinking, I'm in a new home, 2173 01:56:28.119 --> 01:56:28.840 I'm never gonna. 2174 01:56:28.680 --> 01:56:29.359 Have to worry about that. 2175 01:56:29.560 --> 01:56:32.119 But you may be in an old district where the 2176 01:56:32.279 --> 01:56:37.479 district has infrastructure that may someday need to be upgraded, and. 2177 01:56:37.359 --> 01:56:39.359 You're on the hook for it as a property owner. 2178 01:56:39.640 --> 01:56:42.560 There are so many things like that where people get 2179 01:56:42.600 --> 01:56:48.640 into trouble. All right, now, could you but here's another text. 2180 01:56:48.680 --> 01:56:52.279 Could you please find out from Denver Region if there 2181 01:56:52.319 --> 01:56:55.640 is any type of maintenance program after you have reached 2182 01:56:55.680 --> 01:56:58.840 your weight goal on semaglue tide and by the way, 2183 01:56:58.840 --> 01:57:00.640 they do turns up tie too. 2184 01:57:01.159 --> 01:57:01.560 Thanks. 2185 01:57:01.720 --> 01:57:05.000 Okay, since you just texted, I'm assuming you're listening. Yes, 2186 01:57:05.079 --> 01:57:06.439 there is a maintenance program. 2187 01:57:06.800 --> 01:57:08.840 Okay. Usually they start you out on a. 2188 01:57:08.840 --> 01:57:12.880 Dosage that basically slows down the absorption of your food 2189 01:57:12.920 --> 01:57:15.920 so you stay full longer, you get full faster. You 2190 01:57:16.119 --> 01:57:18.399 just eat less, it's it's failsafe. 2191 01:57:18.399 --> 01:57:21.880 I mean, it works all the time semagluetide and urzepetide. 2192 01:57:22.079 --> 01:57:23.720 It also has other health benefits. 2193 01:57:23.800 --> 01:57:28.319 Okay, now it's not technically meant to be a lifetime thing, 2194 01:57:28.399 --> 01:57:31.000 but in some cases it might be. Some people have 2195 01:57:31.079 --> 01:57:36.760 insulin sent they have glucose or sugar sensitivities, carb sensitivities, 2196 01:57:37.039 --> 01:57:40.560 they spike insulin a lot, and to slow down that 2197 01:57:40.600 --> 01:57:44.159 absorption is a good thing. And it was originally meant 2198 01:57:44.199 --> 01:57:47.279 as a diabetic drug anyway, so there's nothing wrong with 2199 01:57:47.800 --> 01:57:52.239 doing that on a maintenance basis. But the whole idea 2200 01:57:52.720 --> 01:57:57.199 of taking urzepetide or semaglutide by Denverregen dot com or 2201 01:57:57.279 --> 01:58:00.680 any number of clinics you know in regular names from 2202 01:58:00.680 --> 01:58:04.279 your primary care doc, the number one benefit is to see, 2203 01:58:04.399 --> 01:58:08.840 wait a minute, I can eat this much and sustain myself. 2204 01:58:09.079 --> 01:58:11.680 I'm going to the gym, I'm working out, I'm walking, 2205 01:58:11.760 --> 01:58:14.640 I feel great. I don't need everything I was eating. 2206 01:58:15.119 --> 01:58:18.159 And many times it helps you break that addiction to 2207 01:58:18.279 --> 01:58:23.239 the eating so much and the carb addiction and all 2208 01:58:23.279 --> 01:58:25.000 of that. Not that you want to erase carbs forever. 2209 01:58:25.000 --> 01:58:27.800 You don't have to erase them all. But the point 2210 01:58:27.960 --> 01:58:32.960 is is that it gives you a visualization and assaciation 2211 01:58:33.680 --> 01:58:38.119 with proper eating and then you hopefully as you wean 2212 01:58:38.319 --> 01:58:43.039 off of ter zeppetide or semiglutide, you will maintain those 2213 01:58:43.039 --> 01:58:47.000 good eating habits of portion, time of day, et cetera. 2214 01:58:47.600 --> 01:58:52.000 But in some cases people still have trouble and there 2215 01:58:52.039 --> 01:58:53.600 are maintenance doses. 2216 01:58:54.119 --> 01:58:54.720 They're low. 2217 01:58:55.079 --> 01:58:57.399 They could be one to two milligrams as opposed to 2218 01:58:57.600 --> 01:59:01.439 ten milligrams, right, and it's not going to have any 2219 01:59:01.640 --> 01:59:05.520 real bad health consequences, and it'll help regulate blood sugar. 2220 01:59:05.640 --> 01:59:09.840 In some cases, it's got good health benefits. So there 2221 01:59:09.880 --> 01:59:12.239 would be a maintenance dose and your doctor would have 2222 01:59:12.279 --> 01:59:15.520 to assess that with you or your primary care provider 2223 01:59:15.680 --> 01:59:19.720 on your weight, your goals and all of that, so 2224 01:59:19.760 --> 01:59:22.319 you don't keep losing and you maintain. Yes, you can 2225 01:59:22.399 --> 01:59:26.039 do that. A lot of people have found. And I 2226 01:59:26.079 --> 01:59:27.880 don't want to get into this because I'm not a doctor. 2227 01:59:27.920 --> 01:59:30.960 I'm not prescribing anything, but I will tell you some 2228 01:59:31.079 --> 01:59:34.880 of the trends I've read about. There's been a school 2229 01:59:34.880 --> 01:59:38.359 of thought that whenever you can regulate your A one 2230 01:59:38.479 --> 01:59:41.920 C your sugar levels in the blood your glucose levels 2231 01:59:41.960 --> 01:59:47.760 in the blood, your absorption, your excretion of insulin and leptin, 2232 01:59:48.319 --> 01:59:52.279 and all of that that you can live longer. 2233 01:59:52.880 --> 01:59:55.000 One doctor once told me that. 2234 01:59:56.399 --> 02:00:01.399 If you took an imaginary shelf and all your insulin 2235 02:00:01.439 --> 02:00:05.600 and leptin, all your stuff was up there, but especially insulin, 2236 02:00:06.439 --> 02:00:09.359 and then you looked at longevity, the people who left 2237 02:00:09.479 --> 02:00:13.039 most of the insulin on the shelf would live longer 2238 02:00:13.079 --> 02:00:14.960 than those who take it and use it so much 2239 02:00:15.239 --> 02:00:18.119 so the more, he said, a good measure of health 2240 02:00:18.119 --> 02:00:21.159 and longevity is the amount of insulin over a lifetime 2241 02:00:21.199 --> 02:00:25.399 you use. Insulin does convert things into energy, but it 2242 02:00:25.399 --> 02:00:29.159 also has some negative effects. Now, obviously you need insulin right, 2243 02:00:29.479 --> 02:00:31.520 but what you don't need are insulin. 2244 02:00:31.159 --> 02:00:32.840 Spikes all day. 2245 02:00:32.920 --> 02:00:37.119 So people say, well, I'm not diabetic, or I'm pre diabetic, 2246 02:00:37.239 --> 02:00:42.359 or i am diabetic. What diabetes means is your level 2247 02:00:42.560 --> 02:00:48.840 of blood glucose after insulin or be right before insulin. 2248 02:00:48.479 --> 02:00:51.119 Meaning what do you normally have as a blood level. 2249 02:00:51.279 --> 02:00:54.239 And many people get an insulin resistance, so even though 2250 02:00:54.279 --> 02:00:59.520 they shoot insulin, it still is higher than it should 2251 02:00:59.560 --> 02:01:03.000 be your your glucose levels. So what they do is 2252 02:01:03.560 --> 02:01:07.199 they call themselves diabetic. And they are, especially if they're 2253 02:01:07.199 --> 02:01:11.279 pancreas ghost could put an autoimmune disease, you truly have 2254 02:01:11.359 --> 02:01:14.399 type one. But with type two diabetes, a lot of 2255 02:01:14.399 --> 02:01:18.560 people walk around seventy percent of the day as a 2256 02:01:18.600 --> 02:01:21.720 type two diabetic and thirty percent of the day they're not. 2257 02:01:22.920 --> 02:01:27.840 And they could literally do a glucose fasting test and 2258 02:01:28.000 --> 02:01:30.239 show that they're normal, but they're not normal. 2259 02:01:30.359 --> 02:01:32.880 They're just normal for the blood test. But if you 2260 02:01:32.960 --> 02:01:34.039 take a day of. 2261 02:01:33.960 --> 02:01:37.279 Twenty four hours and you're not fasting and you're just 2262 02:01:37.319 --> 02:01:41.000 doing normal eating and your blood levels, your glucose levels 2263 02:01:41.000 --> 02:01:43.600 are always high, well you're diabetic. 2264 02:01:43.680 --> 02:01:45.319 I mean you're not type one. 2265 02:01:45.199 --> 02:01:48.279 Diabetic, but you're diabetic, or your diabetic half of the 2266 02:01:48.359 --> 02:01:50.760 day or your diabetic three quarters of the day. All 2267 02:01:50.840 --> 02:01:54.960 that is is a measure of your blood glucose levels. 2268 02:01:55.199 --> 02:01:57.920 And again we most of the day. Most people do 2269 02:01:58.000 --> 02:02:01.960 this all day all day. You know that the idea 2270 02:02:02.159 --> 02:02:06.800 is to do this during the day, or this with 2271 02:02:06.960 --> 02:02:09.600 better absorption, longer absorption cycles. 2272 02:02:09.960 --> 02:02:10.920 That's the best. 2273 02:02:11.079 --> 02:02:15.039 And sometimes these diabetic drugs are what do they do 2274 02:02:15.119 --> 02:02:18.439 that for you artificially? You know, because you're not doing 2275 02:02:18.439 --> 02:02:23.520 it yourself. So some people have surmised that diabetic drugs, 2276 02:02:23.560 --> 02:02:26.640 even if you don't have diabetes, can help lengthen your life, 2277 02:02:26.960 --> 02:02:29.399 and studies have shown that to be true. Now, I'm 2278 02:02:29.439 --> 02:02:31.520 not prescribing or telling you to do this. I'm not 2279 02:02:31.520 --> 02:02:34.199 telling you because you know I'm not a doctor. But 2280 02:02:34.199 --> 02:02:38.159 but when i'm reading of some doctors are prescribing, for example, 2281 02:02:38.239 --> 02:02:42.399 met Foreman on a daily basis as an longevity drug, 2282 02:02:42.760 --> 02:02:45.880 not because they think you have diabetes or they're treating 2283 02:02:45.920 --> 02:02:50.279 you for diabetes, but they're just doing it as benefits 2284 02:02:50.319 --> 02:02:54.199 for your whole life and longevity. And some people are 2285 02:02:54.199 --> 02:02:57.840 doing that with your zeppetite and semaglutide as well. Anyway, 2286 02:02:58.079 --> 02:03:00.840 that's a lot of information, isn't it. Thanks for the text. 2287 02:03:00.840 --> 02:03:03.920 Three oh three seven one, three eight two five five 2288 02:03:09.199 --> 02:03:12.479 Go with a sure thing Denver's best roofer Excel roofing 2289 02:03:12.600 --> 02:03:13.159 dot com. 2290 02:03:13.199 --> 02:03:15.239 You don't pay a cent until you're content. 2291 02:03:18.600 --> 02:03:21.800 Time for an insurance check up, free no obligation comparison 2292 02:03:21.920 --> 02:03:25.479 call Compass insurance paying too much your coverage at dozens 2293 02:03:25.479 --> 02:03:28.239 of insurance companies find out now three all three seven 2294 02:03:28.319 --> 02:03:31.319 seven one help. You'll think you're his only customer when 2295 02:03:31.359 --> 02:03:33.960 you choose Frank durand Thereal estate man dot com to 2296 02:03:34.039 --> 02:03:37.199 list your home with Remax Alliance three all three nine 2297 02:03:37.239 --> 02:03:40.880 two zero sixteen twenty two. 2298 02:03:42.960 --> 02:03:44.880 Hi Tom Martino here three all. 2299 02:03:44.840 --> 02:03:49.359 Three seven one three talk three oh three seven one 2300 02:03:49.359 --> 02:03:53.319 three eight two five five renew Home Innovations can get 2301 02:03:53.319 --> 02:03:56.640 your shower conversion done in as little as two or 2302 02:03:56.640 --> 02:03:58.960 three days and you have seventy two months to pay 2303 02:03:58.960 --> 02:03:59.520 with no interest. 2304 02:03:59.520 --> 02:04:00.000 And that's beauty. 2305 02:04:00.279 --> 02:04:04.640 Stone resin walls with no maintenance, glass panels, no doors needed. 2306 02:04:04.680 --> 02:04:07.000 They they make those doors. Now see a curve around. 2307 02:04:07.000 --> 02:04:11.439 You don't have sloppy doors or curtains, and no thresholds 2308 02:04:11.439 --> 02:04:14.199 to walk or stumble over. And you can even do 2309 02:04:14.239 --> 02:04:16.800 perimeter trains, grab bars, benches. You make them to your 2310 02:04:16.800 --> 02:04:20.199 custom movement three O three nine zero four two thousand, 2311 02:04:20.239 --> 02:04:24.119 three oh three nine zero four two thousand. We have 2312 02:04:24.159 --> 02:04:28.439 a follow up on the mini that Deputy uh Deputy 2313 02:04:28.520 --> 02:04:31.079 D was working on. Now, this woman had a mini 2314 02:04:31.199 --> 02:04:33.560 and she said the original problem. 2315 02:04:34.840 --> 02:04:38.199 What did she say about the mini in the beginning. 2316 02:04:38.640 --> 02:04:43.640 Well, her her original complaint was how long it's been 2317 02:04:43.720 --> 02:04:47.800 taking many of Loveland to complete a recall repair? 2318 02:04:48.159 --> 02:04:48.359 Right? 2319 02:04:48.439 --> 02:04:51.399 And that was and we said, okay, that's reasonable that 2320 02:04:51.479 --> 02:04:52.359 should be done. 2321 02:04:52.800 --> 02:04:57.239 Uh, it was her name Crystal. No, her name is Lilah, Lilah. 2322 02:04:57.239 --> 02:04:59.960 Okay, So we've had a number of these not yet 2323 02:05:00.680 --> 02:05:04.479 Mini recalls, so Lyla keep going and so she said 2324 02:05:04.600 --> 02:05:06.880 it's taking too long and. 2325 02:05:07.640 --> 02:05:08.439 Taking too long. 2326 02:05:08.520 --> 02:05:12.479 And in my initial conversation with Lilah, she mentioned something 2327 02:05:12.479 --> 02:05:15.800 else which became significant later on as I kept researching 2328 02:05:15.840 --> 02:05:16.239 this case. 2329 02:05:16.319 --> 02:05:18.880 Yeah, it was a faulty module in danger of a 2330 02:05:18.920 --> 02:05:19.680 thermal event. 2331 02:05:19.760 --> 02:05:20.760 That was the recall. 2332 02:05:20.840 --> 02:05:22.439 Yeah, I think the car was in danger of And 2333 02:05:22.479 --> 02:05:23.880 she's had her car. 2334 02:05:24.439 --> 02:05:26.800 She hasn't driven her car, she said, since June of 2335 02:05:26.880 --> 02:05:31.239 twenty twenty three, because the dealer says they finally got 2336 02:05:31.279 --> 02:05:35.199 a fix and it was towed there, and she says 2337 02:05:35.239 --> 02:05:36.880 it's been there for two months. 2338 02:05:37.159 --> 02:05:41.520 So yeah, that's the third, very important component of the 2339 02:05:42.279 --> 02:05:44.560 situation is that the car had been parked for over 2340 02:05:44.600 --> 02:05:47.159 a year before it got towed in. Now, it wasn't 2341 02:05:47.199 --> 02:05:49.760 her fault, it's just that Mini didn't have a repair 2342 02:05:49.800 --> 02:05:53.000 available for this recall, so she parked the car. It 2343 02:05:53.039 --> 02:05:56.640 was towed in in August. I spoke with Many a 2344 02:05:56.680 --> 02:05:59.439 couple of weeks ago, and I found them very easy 2345 02:05:59.520 --> 02:06:01.159 to deal with. There's a gentleman over there in their 2346 02:06:01.199 --> 02:06:05.399 service department named Nick, and he answered the phone every 2347 02:06:05.399 --> 02:06:07.800 time I called. He was very generous with his time 2348 02:06:07.840 --> 02:06:11.000 and forthcoming with the information. So he told me that 2349 02:06:11.039 --> 02:06:14.840 the mini is that they're just about to receive the 2350 02:06:14.880 --> 02:06:18.640 parts from Germany, and he estimated that at the time 2351 02:06:18.680 --> 02:06:21.039 of our call, the car will be completed next week. 2352 02:06:21.359 --> 02:06:24.159 Well last next week was last week, and the and 2353 02:06:24.199 --> 02:06:25.840 the recall repair was completed. 2354 02:06:25.920 --> 02:06:26.560 Okay, so. 2355 02:06:27.920 --> 02:06:34.000 Yeah, However, that doesn't solve Lila's problem, which turns out 2356 02:06:34.319 --> 02:06:37.079 that there were actually two halves to the issue, not 2357 02:06:37.239 --> 02:06:40.800 just the recall, but the car had been damaged by rodents. 2358 02:06:41.520 --> 02:06:43.920 I assumed during the year that it's been. 2359 02:06:43.840 --> 02:06:46.479 Parked, and they're saying that's not a warranty. 2360 02:06:46.119 --> 02:06:50.359 Issue, and so she thinks they should fix it, right. 2361 02:06:50.399 --> 02:06:51.800 Yeah, that's that's the idea. 2362 02:06:52.039 --> 02:06:54.439 Why that's not a warranty issue or is she denying 2363 02:06:54.439 --> 02:06:55.159 its rodents? 2364 02:06:56.159 --> 02:06:59.079 She you know, I looked at a photograph that the 2365 02:06:59.119 --> 02:07:02.279 dealer of the wiring damage. The dealer sent it to her. 2366 02:07:02.359 --> 02:07:04.960 She sent it to my phone. I can see rodent 2367 02:07:05.039 --> 02:07:08.439 damage in some of that wiring, and god knows what 2368 02:07:08.479 --> 02:07:11.319 else is going on. Is you did to dig deeper 2369 02:07:11.319 --> 02:07:15.439 and deeper into it. Now say, well, now, Nick at 2370 02:07:15.479 --> 02:07:21.079 the dealership did warn me that having complete having the 2371 02:07:21.119 --> 02:07:25.720 recall repair completed does not solve the driveability problems of 2372 02:07:25.760 --> 02:07:30.920 this car. The n covered a whole laundry list of visions. 2373 02:07:32.840 --> 02:07:33.079 Nine. 2374 02:07:33.279 --> 02:07:36.399 I'm surprised it's still standing. Well, it's how many years? 2375 02:07:36.399 --> 02:07:38.439 Four to fifteen years? Yeah, Plus it's a Mini. 2376 02:07:38.479 --> 02:07:42.359 They're not known for durability the liability, but Nick said 2377 02:07:42.399 --> 02:07:46.600 the two primary problems in the context of driveability are 2378 02:07:47.039 --> 02:07:50.960 the wiring damage from the rodent infestation, but also the 2379 02:07:51.000 --> 02:07:54.760 battery is not just dead, but may not even be 2380 02:07:54.960 --> 02:07:58.600 rechargeable anymore. You probably know that when you leave even 2381 02:07:58.600 --> 02:08:01.439 a new battery discharge for a long time and undergoes 2382 02:08:01.439 --> 02:08:05.640 a chemical reaction called sulfation, and that completely ruins the battery. 2383 02:08:05.720 --> 02:08:08.319 It just is no longer able to hold a charge. 2384 02:08:08.359 --> 02:08:10.680 So Nick, so it needs a lot of work that 2385 02:08:10.680 --> 02:08:13.199 has nothing to do with this recall, and she wants 2386 02:08:13.239 --> 02:08:15.600 everything done under the recalls at the bottom. 2387 02:08:15.359 --> 02:08:18.399 Lne, Well, those aren't my words, and it's not I 2388 02:08:18.399 --> 02:08:21.319 can see she's supposed to call into the show to 2389 02:08:21.359 --> 02:08:24.840 explain her position. Based on the text messages, and the 2390 02:08:24.880 --> 02:08:28.640 conversations that I've had with her, she is dissatisfied with 2391 02:08:28.720 --> 02:08:31.359 many of Loveland because the car is still not drivable. 2392 02:08:31.840 --> 02:08:35.079 Though I think the bottom line is it's not drivable, 2393 02:08:35.720 --> 02:08:39.760 not and it's not through any fault of many or 2394 02:08:39.880 --> 02:08:43.079 many of Loveland. So I did invite her to call in. 2395 02:08:43.199 --> 02:08:45.399 She said she'll try to call in when she has time, 2396 02:08:45.560 --> 02:08:48.199 and hopefully we'll get her side of the story and 2397 02:08:48.239 --> 02:08:50.520 I'll be happy to continue to work with her as 2398 02:08:50.520 --> 02:08:53.800 long as we get, you know, a really good explanation 2399 02:08:53.840 --> 02:08:55.960 of what she wants to happen. But I have a 2400 02:08:55.960 --> 02:08:58.680 feeling she wants them to pay for all of these repairs, 2401 02:08:58.760 --> 02:09:02.079 which are estimated between four thousand and five thousand dollars 2402 02:09:02.079 --> 02:09:06.119 front i've seen. So that's that's the mini update. 2403 02:09:06.520 --> 02:09:10.560 Okay, But in your opinion, she's asking for too much. 2404 02:09:10.880 --> 02:09:13.439 I think she's asking for things that are not Minie's fault. 2405 02:09:13.840 --> 02:09:18.000 I think that the mouse infestation and the sulfated battery, 2406 02:09:18.479 --> 02:09:21.039 we can't pin that on the dealership. That's that's not 2407 02:09:21.159 --> 02:09:24.479 their fault. They did the they did the recall repair, 2408 02:09:24.560 --> 02:09:27.520 it's done, it's complete. That's the extent of their responsibility. 2409 02:09:29.239 --> 02:09:32.319 And you know, One of the major things that needs 2410 02:09:32.359 --> 02:09:35.920 to be replaced is the what they call the FSB module, 2411 02:09:35.960 --> 02:09:38.439 which is I looked it up. It's basically a very 2412 02:09:38.479 --> 02:09:39.600 fancy fuse box. 2413 02:09:40.399 --> 02:09:45.039 All right, thank you, So we got that. Now we 2414 02:09:45.159 --> 02:09:49.159 have more coming up. Listen, that's gonna happen. Okay, it's 2415 02:09:49.239 --> 02:09:52.439 it's just gonna happen. Where when you know you have 2416 02:09:52.520 --> 02:09:54.399 more than one problem with a car and it's not 2417 02:09:54.560 --> 02:09:57.960 all related to one issue. This happens a lot when 2418 02:09:58.000 --> 02:10:01.159 people have a car under one warranty or even out 2419 02:10:01.159 --> 02:10:04.079 of warranty with a recall, or let's say somebody does 2420 02:10:04.119 --> 02:10:04.960 a repair. 2421 02:10:04.600 --> 02:10:06.279 On one thing and something else goes out. 2422 02:10:06.760 --> 02:10:10.600 There's been an age old problem with people connecting the dots. 2423 02:10:10.600 --> 02:10:13.680 They shouldn't be connected. So there's not much we can 2424 02:10:13.720 --> 02:10:15.479 do about that if we look into it and say 2425 02:10:15.479 --> 02:10:19.399 you shouldn't connect the dots. All right now tonight, I 2426 02:10:19.520 --> 02:10:22.560 just run remind you that, uh Joe Kanno and his 2427 02:10:22.680 --> 02:10:27.039 team will be at the twenty Mile Park a twenty 2428 02:10:27.079 --> 02:10:30.920 Mile Road AMC Theater for a movie event. You can 2429 02:10:30.960 --> 02:10:33.920 still get tickets three oh three seven seven nine sixty 2430 02:10:33.920 --> 02:10:37.600 six hundred. That's seven seven nine sixty six hundred. My 2431 02:10:37.760 --> 02:10:42.239 moneymway dot com. And that's about retirement. It's a movie. 2432 02:10:42.279 --> 02:10:45.359 It's educational, not a sales event. Three oh three seven 2433 02:10:45.479 --> 02:10:53.439 seven nine sixty six hundred. Oh all right, three oh 2434 02:10:53.439 --> 02:10:55.960 three seven one three talk seven one three eight two 2435 02:10:56.000 --> 02:11:00.760 five five. By the way, this goes without saying, I 2436 02:11:00.960 --> 02:11:04.560 have to thank people who have responded to me on 2437 02:11:04.840 --> 02:11:09.640 Wave eight Wealth Management, that's my financial advisory firm. 2438 02:11:10.479 --> 02:11:12.039 And many people. 2439 02:11:12.000 --> 02:11:16.159 Have asked the question, what should I do if I 2440 02:11:16.159 --> 02:11:18.760 have this much or this much or this much. It's 2441 02:11:18.800 --> 02:11:21.439 really not the amount of money you're investing, although I 2442 02:11:21.520 --> 02:11:25.560 personally believe truly if you have under twenty five thousand, 2443 02:11:25.560 --> 02:11:28.279 you shouldn't think about investing, because that's about you're going 2444 02:11:28.359 --> 02:11:31.119 to need urgency funds and you're going to need you know, 2445 02:11:31.359 --> 02:11:34.680 like backup just regular liquid funds. But as far as 2446 02:11:34.720 --> 02:11:37.479 investing goes, I wanted to explain this because a lot 2447 02:11:37.479 --> 02:11:41.279 of people are having this difficult concept of middlemen. No 2448 02:11:41.319 --> 02:11:43.159 one's going to come out and say we are middlemen 2449 02:11:43.520 --> 02:11:46.800 when you invest with us, we're going to uh, we're 2450 02:11:46.840 --> 02:11:49.680 going to shuttle it up the line. But if they're 2451 02:11:49.760 --> 02:11:54.159 using another advisor to do the portfolios and investing or 2452 02:11:54.199 --> 02:11:59.039 a broker dealer. They're middlemen. They are literally middlemen. They 2453 02:11:59.079 --> 02:12:03.960 are making a spread. They're not making your investment decisions. Now, 2454 02:12:04.119 --> 02:12:06.640 as I said before, there are some advisors that shake 2455 02:12:06.680 --> 02:12:09.039 your hand, take your money, and they're good people and 2456 02:12:09.079 --> 02:12:13.039 they babysit it, but it's with someone else. So you 2457 02:12:13.079 --> 02:12:16.119 can't get direct answers until they get answers and your 2458 02:12:16.159 --> 02:12:18.359 money is pooled with a bunch of other people. That's 2459 02:12:18.399 --> 02:12:21.159 the industry. Ninety eight percent of people work that way. 2460 02:12:21.680 --> 02:12:24.439 So so it you hear all these shows and they 2461 02:12:24.479 --> 02:12:26.920 what they want you to do is is deposit money 2462 02:12:27.000 --> 02:12:28.399 with that well not with them, but you know, with 2463 02:12:28.479 --> 02:12:31.880 a with their firm. And then what they do is 2464 02:12:31.960 --> 02:12:35.079 then find people to invest that and they pay the 2465 02:12:35.079 --> 02:12:36.920 fee to part of the feed to them and make 2466 02:12:36.960 --> 02:12:40.279 part of the feed for themselves for being a relationship manager. 2467 02:12:40.760 --> 02:12:43.479 So if you like that, that's okay, But that's not 2468 02:12:43.680 --> 02:12:49.479 taking your specific goals and your specific objectives and running 2469 02:12:49.479 --> 02:12:49.800 with them. 2470 02:12:49.920 --> 02:12:50.800 Okay. 2471 02:12:50.880 --> 02:12:54.720 And as I said before, the number to calls three 2472 02:12:54.720 --> 02:12:56.399 oh three, seven seven to one. 2473 02:12:56.520 --> 02:13:00.960 Help for that or go to invest with Mark dot com. 2474 02:13:01.039 --> 02:13:04.079 Now, as far as the radio show, it's three oh 2475 02:13:04.199 --> 02:13:08.600 three Martino and we will help you with any problem anywhere. 2476 02:13:08.800 --> 02:13:11.439 Just call that number twenty four to seven three oh 2477 02:13:11.520 --> 02:13:15.600 three Martino and save all your problems for me.