Speaker 1: Yeah, ripped off?
Speaker 2: What need that's so you don't have come running just
Speaker 2: as nass as we can.
Speaker 1: Shooter's gonna help come Max.
Speaker 3: It's the Troubleshooter Show. No, Tom Martino, Hey.
Speaker 4: Tom Martino here, I got something to show you. This
Speaker 4: is gonna be cool. Now we can bring in cameras
Speaker 4: without problems. I got Mark here. I'm gonna bring them
Speaker 4: up full screen. There you go, Marky, take it away.
Speaker 4: You there, I am here. What's going on? Man? All right?
Speaker 4: So what I'd like to know is, uh, quickly, did
Speaker 4: you know that about ninety percent of the people that
Speaker 4: responded to me said that politics definitely makes or takes
Speaker 4: a role in their buying decisions if they know the
Speaker 4: politics of a company. Now, these are staunch politics, and
Speaker 4: people just are regular people and they don't preach a lot,
Speaker 4: but if they know someone is one way against them,
Speaker 4: and if they won't, they won't go to them. They said,
Speaker 4: they won't go to a car mechanic if he's a
Speaker 4: staunch conservative or staunch liberal and they're the opposite. They
Speaker 4: won't buy from people, They won't go to restaurants. It
Speaker 4: shocked me the amount of texts and emails I got
Speaker 4: about buying decisions, buying decisions. Does that shock you?
Speaker 5: No, Unfortunately it doesn't. But in some circles that's definitely
Speaker 5: not true. I think that's probably more correct for liberals
Speaker 5: than it is for conservatives.
Speaker 4: Oh really you think? Okay, you think conservatives don't care
Speaker 4: that much.
Speaker 5: I don't think they care as much. Okay, Well what
Speaker 5: do you think I think?
Speaker 4: Oh? I think conservatives care a lot. I think if
Speaker 4: they think there's some liberal creep, they're not gonna they're
Speaker 4: not gonna do it. Are not going to shop on Amazon.
Speaker 4: I disagree with you. Well, okay, and fifty District No, no, no, no, no,
Speaker 4: you're right. Amazon's a different animal.
Speaker 5: By Amazon's a different bezoson said Damn rag in New
Speaker 5: York where he's always just going after Republicans.
Speaker 4: And by the way, uh, Mark, I don't know if
Speaker 4: you can see the feed, but it's looking good and
Speaker 4: your camera's crisp and perfect. Oh come you can't. Oh okay,
Speaker 4: there we go, Now I see the two deals? Cool? Yeah, yeah, yeah.
Speaker 4: So anyway, let's let's welcome, by the way, today, our
Speaker 4: our guest here, John Johnny. Welcome, Johnny Jones. We call
Speaker 4: him Johnny because he's the son the junior John Jones
Speaker 4: Junior JJJ, John John Jain. Okay, does anyone ever call
Speaker 4: you JJJ?
Speaker 6: This happens.
Speaker 4: Okay, I'll try not to make that a habit. But anyway,
Speaker 4: here's what we're gonna do. We're gonna talk about health
Speaker 4: insurance today. So tell me about the dues and dawns
Speaker 4: storing open enrollment. Just tell us why, because I heard
Speaker 4: pretty d over there ask why do we have to
Speaker 4: do it this time of year?
Speaker 7: Well, if you buy your own health insurance right, So
Speaker 7: this is those under the age of sixty five who
Speaker 7: buy their own health insurance. And by the way, also
Speaker 7: annual rolling period for Medicare is now but open and
Speaker 7: roll open and rolling for individuals and families under age
Speaker 7: sixty five starts on November first. Yes, if you buy
Speaker 7: your own again, and I think we've covered this multiple
Speaker 7: times as well. But the reason why, now, why is
Speaker 7: there an open right?
Speaker 4: Why why is their open enrollment? What the hell is
Speaker 4: it all about?
Speaker 7: Well, pre existing conditions don't matter anymore, and so health
Speaker 7: insurance carriers are required to ensure anyone who buys a
Speaker 7: plan during an open or special enrollment period. Uh, and
Speaker 7: so The point of open enrollment is to drive. Try
Speaker 7: to drive all that traffic, try to drive all that
Speaker 7: money and premium dollars into one time where now the
Speaker 7: insurers have an entire year's worth of.
Speaker 4: They want to aggregate properly. The risk. It used to
Speaker 4: be people would sign up just before something happened, or yeah, yes, sir,
Speaker 4: absolut yes, or or when they get sick and they
Speaker 4: wait out the waiting period or something, even though pre
Speaker 4: existing was a thing. They can't afford to do that.
Speaker 4: They want as many people enrolled as possible, with the
Speaker 4: idea that the more enrolled, the cheaper they can keep it.
Speaker 6: It has to work somewhat financially, absolutely.
Speaker 4: And it kind of does.
Speaker 2: Yeah.
Speaker 4: Now there is no more law though, remember there used
Speaker 4: to be a penalty. You don't pay a penalty anymore, right, you.
Speaker 6: Don't pay it.
Speaker 7: So the penalty there is. The penalty exists, it's part
Speaker 7: of the law, but the penalty is zero dollars, so
Speaker 7: there's no teeth to it right now.
Speaker 4: Why did I wonder why Biden and company did not
Speaker 4: put the penalty back?
Speaker 6: Yeah, I don't.
Speaker 5: I think that was the Supreme Court decision. I don't
Speaker 5: think it had anything to do with a bid. That
Speaker 5: was the Supreme Court thing.
Speaker 8: Mark.
Speaker 4: No, I'm pretty sure it was.
Speaker 6: I understood. So there was.
Speaker 7: There's two types of subsidies that somebody can be eligible for.
Speaker 7: You have tax credits, right, and you have costier reduction subsidies.
Speaker 4: Both the difference tax credits.
Speaker 6: Atax applies to your monthly premium.
Speaker 7: The costier reduction subsidy that was added in a extra
Speaker 7: that applies to plan benefits. So if you buy a
Speaker 7: Silver plan, if your income is below two hundred and
Speaker 7: fifty percent of the federal poverty level as an individual
Speaker 7: or as a family.
Speaker 6: That is what.
Speaker 7: It was the government's responsibility originally to pay those cashier
Speaker 7: reduction subsidies. But that's what Congress got tossed as far
Speaker 7: as it's not our responsibility that got put on health
Speaker 7: insurance companies.
Speaker 4: In general in general? Is this Obamacare or the Affordable
Speaker 4: Care Act? Is it beneficial in general for people? Do
Speaker 4: you see people benefiting from it? You've been in the
Speaker 4: business before.
Speaker 7: This, Well, it is more beneficial. It seems to more
Speaker 7: beneficial now since they changed the subsidy eligibility. How someone
Speaker 7: is eligible for a subsidy, the requirements of that.
Speaker 4: But now Mark used to complain it made it more
Speaker 4: expensive for know, for some people, it's still have for
Speaker 4: the for the upper echelon of incomes.
Speaker 5: Now for almost every employer are out there as well.
Speaker 7: Well, Yeah, employer plans has gone up a lot in
Speaker 7: premium as well.
Speaker 5: So I bet since Obamacare, John, Honestly, since Obamacare, I
Speaker 5: would guess four.
Speaker 4: Times maybe maybe three times more expensive. Yeah, especially for employers.
Speaker 4: All right, now, first, sorry, go ahead. I just want
Speaker 4: to bring up Joe because he has something to say.
Speaker 4: Go ahead, Joe, Joe, you wanted to talk about Integra.
Speaker 8: Okay, can you hear me?
Speaker 4: Yes, sir, go ahead, Joe.
Speaker 8: I just want to say I listened to it for years,
Speaker 8: and he kept saying, if you need help with her,
Speaker 8: to try to call him Tagra. I just kept shoving
Speaker 8: it off and shoving it off. And then late last year,
Speaker 8: I said, I'm gonna call him just with gags, and
Speaker 8: I'll tell you what. John helped me say, Well, we're
Speaker 8: twenty five hundred dollars a year on my insurances. His
Speaker 8: wife and him are just fantastic.
Speaker 9: They're quick to call.
Speaker 8: They have a hard time hearing on the phone, and
Speaker 8: he took his time repeats, so I don't know how
Speaker 8: many times does he tell me? So I go, oh, crap,
Speaker 8: I forgot what you said.
Speaker 4: How was that John Senior or John Junior Senior Senior?
Speaker 2: Right?
Speaker 4: John and Day and then we have John Junior. And
Speaker 4: then we have of course employees there. They have a
Speaker 4: pretty good staff. You have good people.
Speaker 8: It's just fantastic, and I want to thank you. I
Speaker 8: think his wife has some sort of tour in her neck,
Speaker 8: and I'd just like to get anybody out there, none
Speaker 8: or it doesn't know, say some prayers for so come back.
Speaker 4: Okay, that's very nice of you. Thank you, Joe. Yeah, yeah,
Speaker 4: we kind of didn't want to discuss private stuff like that,
Speaker 4: but okay, Joe, I understand you had well you were
Speaker 4: well meaning. Thank you very much. We don't know exactly
Speaker 4: what it is yet, and prayers are for are all
Speaker 4: around Guermo. What's going on, Guerremo? H good man, what's
Speaker 4: going on with you?
Speaker 2: Well?
Speaker 10: I took my jee ticket an oil change at Jiffy
Speaker 10: Lube a couple of months ago, and.
Speaker 4: The Jiffy Lube I used to call him Jiffy Lube
Speaker 4: and screw. They're so terrible. I mean, but if they're
Speaker 4: not as bad. Actually, no, no, it wasn't Jeffy. I'm sorry.
Speaker 4: It was a Connolu. It was the Conno lube and screw.
Speaker 4: You're right, Jeffy. Wasn't that bad? I'm sorry, Guerma, what what? Garama?
Speaker 4: What the What's? When? Was it which Jeffy lube?
Speaker 10: It was the branch on Bellevue and right off the Santa.
Speaker 4: Fe Okay Bellevue and Santa Fe. What went wrong?
Speaker 10: So about a mile down the road, oil was everywhere.
Speaker 10: All the emergency lights were on. Took it back to
Speaker 10: the to the oil changed place right away. So I
Speaker 10: had a long conversation with them. They said, let us
Speaker 10: make it right. So I said, yeah, go ahead, and.
Speaker 4: Let's well what what did they do wrong? To begin with?
Speaker 4: Did they for to forget to put the plug in
Speaker 4: or put it in looser?
Speaker 10: What they didn't screw on?
Speaker 11: The oil?
Speaker 6: Oil?
Speaker 10: Oil filter? Pretty much at all? It blew it off
Speaker 10: as soon as the engine got pressured.
Speaker 12: Ah, so it.
Speaker 10: Pretty much blew the engine. They took me two months.
Speaker 4: Wait a minute, the engine was totally blown.
Speaker 13: It is now.
Speaker 10: I found this out yesterday because they've been giving me
Speaker 10: stories like, oh it's timing change, we just need to
Speaker 10: do a tune up on it. We're going to keep
Speaker 10: doing this, all these stories that, So what are they
Speaker 10: going to do now? So they said, we found an
Speaker 10: engine at a Junkyard that we can throw in for you.
Speaker 4: How many miles on it? Uh?
Speaker 9: They told me.
Speaker 10: Sixty thousand, which I don't mind. But they've had my
Speaker 10: car for two months. They didn't want to tell me
Speaker 10: what shop.
Speaker 4: How many miles on your jeep when you brought it
Speaker 4: in there?
Speaker 10: One hundred and forty but it's been maintained.
Speaker 4: Are they giving you a rental car in the intrum?
Speaker 10: No, that's the funny thing. I told him, you know,
Speaker 10: go ahead, and you know it's been two months. I
Speaker 10: need a car at this point. And they said, no,
Speaker 10: we're not gonna give you a rental car. We don't
Speaker 10: do rental car or loan or anything like that.
Speaker 4: Well that's tough crap, is I mean? Yeah, they they
Speaker 4: may say they don't do them, but they owe you. Now,
Speaker 4: what you could do is just play nice and get
Speaker 4: get your own rental waiting for them to fix your car.
Speaker 4: But if you could get a sixty thousand mile engine
Speaker 4: and it really was a sixty thousand mile engine or
Speaker 4: a replacement engine. What year is this jeep? It's a
Speaker 4: twenty sixteen Okay, So if they could fix you up
Speaker 4: to pre accident conditioner or pre incident conditioner better, that
Speaker 4: would be fine. So what are you calling about? Are
Speaker 4: they not doing it?
Speaker 10: Or what if they're not? The jeep is still sitting
Speaker 10: in their shops. I told them I want to get
Speaker 10: real sooner than later, because it's been going on for
Speaker 10: two months. I've been feeding me live.
Speaker 4: Well, you're not required to keep it there. You could
Speaker 4: have a toad somewhere and go after them. For the expense.
Speaker 4: I want someone to call on this. Who do we
Speaker 4: have kel Let's have Kelly call and see if they'll
Speaker 4: come on the air. Yeah, let's do that first, and
Speaker 4: then who do we have that could take this in
Speaker 4: the studio?
Speaker 14: I'm here by myself holding down the four tom.
Speaker 4: Okay, now, Doc, you have a follow up?
Speaker 2: What is it?
Speaker 15: Do you remember Andrea Madino had a problem with her
Speaker 15: moving from one apartment to another in me law.
Speaker 4: Oh that was a while ago. Yeah, she something went
Speaker 4: wrong and she was in a building and they told
Speaker 4: her that they.
Speaker 14: Were just moving to a place in more bedrooms.
Speaker 4: I'm sorry. Was this the subsidized housing?
Speaker 2: No, no, no, no.
Speaker 15: She was moving to another apartment in the same complex
Speaker 15: and they were charging her extravagant fees from the move out.
Speaker 15: Remember they were charging them more.
Speaker 4: I'm looking for it. She rents a single family home
Speaker 4: since August. Trouble with the mett. Nope, that's not the
Speaker 4: one with the black mold. Nope. We have so many
Speaker 4: andreas low income subsidized housing during the pandemic. She was
Speaker 4: asked to apply for rent. No, oh my god, I
Speaker 4: have about ten Andreas and they're all rental problems. But anyway,
Speaker 4: so what's going on with it?
Speaker 14: So anyway, she had a list of things they charged
Speaker 14: her for on the move out, and some of which
Speaker 14: were unreasonable. So I actually with her to the UH.
Speaker 15: Really, I met her at the place and went with
Speaker 15: her to the UH to the office, and we managed
Speaker 15: to get some items changed.
Speaker 14: So she saved about two hundred and fifty bucks.
Speaker 4: Well that's good. I mean, you just made sure that
Speaker 4: what she was charged for she was charged for. She
Speaker 4: you know, that's wonderful.
Speaker 14: And the things that I felt were unreasonable they change,
Speaker 14: you know, thank.
Speaker 4: You that that's really cool. Good job, Doc. Yeah, let's
Speaker 4: do this. I use my dinger today in the middle
Speaker 4: of the week. I love it. We got more coming up.
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Speaker 4: Time for an insurance checkup free, no obligation. In comparison,
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Speaker 4: nine two zero sixteen twenty two. Hi, Tom Martino, you're
Speaker 4: troubleshooter three all three seven to one three talks so
Speaker 4: I get a text that says Tom. By the way,
Speaker 4: you can text my Google number seven four seven nine
Speaker 4: nine nine fifty two eighty seven four seven nine nine
Speaker 4: nine fifty two eighty or five seven seven three nine
Speaker 4: is the iHeart short code. Either one will get to us.
Speaker 4: It says here Tom. Politics do not come into play
Speaker 4: when it comes to for vacationing for us. Our daughter
Speaker 4: went to Portland, Oregon and Seattle, Washington. And they had
Speaker 4: signs on ninety percent of the businesses that said no
Speaker 4: guns allowed and black Lives matter, all kinds of signs
Speaker 4: and stickers, littering walls, fences, businesses, front yards, homeless camps,
Speaker 4: occupied parks by thugs. Is this Denver or Aurora? No,
Speaker 4: he's talking about Portland, Oregon and Seattle. We were we
Speaker 4: were Oh wait, wait wait he just said politics. Do
Speaker 4: I'm sorry, do come into play for vacationing because when
Speaker 4: he went to these cities it was absolutely ridiculous. Oh
Speaker 4: our long, our long bus trip.
Speaker 5: We went through Portland and or close to it, and
Speaker 5: then we went through another city, both of them total
Speaker 5: total hell holes. Didn't even want to stop. Man, I
Speaker 5: mean hell holes, all right. But it's the same description
Speaker 5: as a roar no offense.
Speaker 4: But three oh three seven one three dogs seven one
Speaker 4: three eight two five five I have no idea what
Speaker 4: this text means. Uh, tom as A, I'm a black man,
Speaker 4: and he had the nerve to tell me to take
Speaker 4: my maga hat off because I'm black? Who had the nerve? Well,
Speaker 4: this guy is writing to me saying that he wears
Speaker 4: a maga hat nets and who had the nerve some
Speaker 4: guy delivering burritos. Oh well, there you go anyway, three
Speaker 4: oh three, seven to one three talk, let's go to Okay,
Speaker 4: so what are we doing with Germot? Did Germo? Did
Speaker 4: we call Jiffy?
Speaker 16: I have left two messages, one for the district manager
Speaker 16: and one for the general manager of.
Speaker 4: The kay Loop store. So now why don't we, though,
Speaker 4: in addition to that, give it to deputy doc if
Speaker 4: they don't call back, so we can we can make
Speaker 4: sure that somebody is working this. And docs have some
Speaker 4: good lucky with auto stuff. So let's uh let's try that.
Speaker 4: Uh okay, good now, Deputy dear, are you working on anything?
Speaker 4: I thought you were?
Speaker 2: Yes?
Speaker 4: Hold on, go ahead, sir.
Speaker 2: Yes.
Speaker 17: So yesterday we had a caller who complained about drive
Speaker 17: in Motion car dealership. She bought a jeep that doesn't
Speaker 17: pass emissions.
Speaker 4: Oh well, this was really screwed up. They told her
Speaker 4: it wouldn't pass, but they did not sell it as
Speaker 4: a toe away. They were there in Weld County, but
Speaker 4: they were selling into an emissions area. And I believe
Speaker 4: they're required to make sure it either passes or they
Speaker 4: sell it as a toeaway. And she has a three
Speaker 4: day voucher she never got.
Speaker 17: Well, not only that, but it sounds like they told
Speaker 17: her that the reason it won't pass emissions is because
Speaker 17: of the bad ABS module. Well, she had the ABS
Speaker 17: module replaced just yesterday.
Speaker 4: Nothing to do with the missions ABS breaking.
Speaker 17: Right, But you know, she's an unsophisticated consumer in terms
Speaker 17: of auto mechanics. So I spoke with a so Drive
Speaker 17: in Motion has three stores, Greeley, North Glenn and somewhere
Speaker 17: out of state like New Mexico, Arizona. I spoke with
Speaker 17: someone who I believe was the sales manager yesterday, mister Selene.
Speaker 17: He told me that he has no comment on this deal,
Speaker 17: but he's going to at my request, he's going to
Speaker 17: try to find someone who does, which I assume is
Speaker 17: going to be Brian Neely, who's the owner of these dealership.
Speaker 2: Well, they got it.
Speaker 4: They gotta make it pass mission.
Speaker 17: I just spoke with another gentleman at the North Glenn
Speaker 17: store because there during the phones, and I told him that, uh,
Speaker 17: you know, we'd like to get their comment, but better yet,
Speaker 17: we'd like to get a.
Speaker 6: Resolution to this issue.
Speaker 17: Yeah, before I provide an on the air update and
Speaker 17: so or before I called the State of Colorado Revenue
Speaker 17: Department says, so right on their site, they have a
Speaker 17: form a complaint form for emissions violations if the.
Speaker 6: Car you buy doesn't have so.
Speaker 17: Anyway, so I said, before I go that route, it
Speaker 17: would be great to get a resolution from you guys
Speaker 17: directly without getting the government involved. So he took down
Speaker 17: my name and phone number, and he did tell me
Speaker 17: that he's going to speak with both mister Celine and
Speaker 17: mister Neely, and I asked him to call either my
Speaker 17: cell number or better yet, call Kelly's number at the
Speaker 17: studio and just discuss this with us on the air.
Speaker 4: All right, thank you? Three oh three seven one three talk?
Speaker 18: Ray?
Speaker 4: What's going on with you? Ray?
Speaker 2: Uh? Never?
Speaker 10: My wife never got her favor free fun.
Speaker 4: From when from twenty twenty three?
Speaker 12: Yeah?
Speaker 4: Really, Yeah?
Speaker 12: I got my deposits in my in the same credit
Speaker 12: you mean I got my you know, but you never
Speaker 12: got it.
Speaker 4: Do you know where to go for help on that?
Speaker 6: Nope?
Speaker 4: Well there's the state has a site. Uh really, let
Speaker 4: me say, I'm looking it up right now. Did you file?
Speaker 4: Did you guys smile jointly?
Speaker 12: Now we filed together?
Speaker 6: Yeah?
Speaker 4: Okay, the Tabor refund help is right here. I'm looking
Speaker 4: it up right now.
Speaker 3: It is.
Speaker 4: Uh for uh yeah, it's well, how much did you get?
Speaker 12: I got eight?
Speaker 4: Other that might be for a couple. Oh oh wait
Speaker 4: wait wait if you filed jointly, you don't get two
Speaker 4: separate checks anyway.
Speaker 5: Yeah, what you're well, I'm sorry what you taxed your
Speaker 5: twenty two or twenty three?
Speaker 4: Twenty three? He said, yeah, forty three, you don't get
Speaker 4: You don't get two separate checks as a couple. So
Speaker 4: you got your check?
Speaker 12: Bro, he just so my account. But she's got an
Speaker 12: account too.
Speaker 5: Well did she file separately? No, she should get sick.
Speaker 5: It should be sixteen hundred. Are you sure find yeah,
Speaker 5: I'm staring at it for twenty three? Yes, yeah, oh.
Speaker 4: Hold on, yeah, you filed jointly, it should be sixteen hundred. Okay,
Speaker 4: but it's one check, right, got it? Okay, so he
Speaker 4: got less than he should have.
Speaker 12: Did you Okay, she filed, she filed it.
Speaker 4: No, you're right, it is it is sixteen hundred. Absolutely.
Speaker 4: I have a feeling the problem is going to lie
Speaker 4: in your state return. It's tax dot Colorado dot gov. Okay,
Speaker 4: and you know, look at they do have a link
Speaker 4: there for the tabor of questions. I mean, really I
Speaker 4: think that have you ever con have you ever gone
Speaker 4: to that website and made an inquiry?
Speaker 10: No, I haven't earn money. I got mine, So she
Speaker 10: just I just found out about it.
Speaker 12: So that's what I talk.
Speaker 4: Oh yeah, no, no, it's yeah, of course you want
Speaker 4: her to have her money for sure. Absolutely, And again
Speaker 4: it should have been in that one check.
Speaker 5: It's going to be a problem on that refund, the
Speaker 5: state refund.
Speaker 4: Now, art, I just are you said you called a
Speaker 4: couple of months ago? Is that right about? Hold on
Speaker 4: one second time? Really quick on TABOR.
Speaker 5: So next year, interestingly enough, I think all three mechanisms
Speaker 5: will be triggered a tax refund I think on property taxes,
Speaker 5: I think on sales tax and something else. But I
Speaker 5: think there's one point seven billion dollars coming back to taxpayers.
Speaker 4: The reason I bring it's less this year. I heard
Speaker 4: it's going to be less though for twenty twenty four,
Speaker 4: like less money.
Speaker 5: Well, I'm just telling you there's one point seven that's
Speaker 5: going to be for twenty twenty five TABOR refunds. But
Speaker 5: here's the deal. Watch these elections. There's a lot of
Speaker 5: tricky stuff in there. That I'm trying to retax. The
Speaker 5: main thing to look for is most of these questions
Speaker 5: will start out, do you want to increase taxes?
Speaker 4: But some of them are really tricky the way they
Speaker 4: write these.
Speaker 5: Now, remember how we all got tricked, or at least
Speaker 5: I didn't, but a lot of listeners and Democrats got tricked,
Speaker 5: and these liberals got tricked by their own people into
Speaker 5: us having the highest property taxes basically in the country.
Speaker 4: I know, I know, that's what the Gallagher Amendment, and
Speaker 4: they did away with this thing that would have that.
Speaker 5: If they want more money, you say no. I don't
Speaker 5: give a crap what the money's for. All they do
Speaker 5: is waste the money. If they want more money, say no.
Speaker 4: The height of all insults is when Governor Polus had
Speaker 4: the nerve to make it sound like he was doing
Speaker 4: this out of the goodness of his policies and heart. Okay,
Speaker 4: refund do you remember that it was crazy our taxes
Speaker 4: And by the way, only one, only one reporter in
Speaker 4: town nailed them on it. Only one TV reporter local, Well,
Speaker 4: Sean it all the time. Yeah, but Sean Boyd over
Speaker 4: at Channel four, And I'll tell you what Denian News
Speaker 4: they never. They never cover anything negative, anything negative on
Speaker 4: progressive never not once and uh and and you tell
Speaker 4: them there's a problem. Well, it's my new name for
Speaker 4: him Denian News.
Speaker 5: The worst out there that I've heard of recently was
Speaker 5: the CBS sixty Minutes where Kamala answered.
Speaker 4: The same question with Okay, they did that, and they
Speaker 4: took they took the better answer. Well, no, they got
Speaker 4: rid of the actual answer and then kind of edited
Speaker 4: stuff together to give another answer. I mean it was crazy.
Speaker 4: I know that that is wrong. I mean, come on,
Speaker 4: that's wrong. Anyway. Three oh three seven one three talk
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Speaker 4: Time for an insurance check up free, no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies to find out now three O three
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Speaker 4: three nine two zero sixteen twenty two. Hey Tom Martino,
Speaker 4: your troubleshooter three O three seven one three talks seven
Speaker 4: one three eight two five five. Art has a follow
Speaker 4: up on this dental issue.
Speaker 2: Art.
Speaker 4: When did you call, sir?
Speaker 13: Oh?
Speaker 19: I say about six months, six weeks ago?
Speaker 4: Oh, okay, so it was pretty recently. Okay, let's talk
Speaker 4: about it because I can't find your call, but go ahead, sir.
Speaker 19: Yeah, we called six weeks ago because we could not
Speaker 19: get money back from thessurance company.
Speaker 4: Did you use the name art when you called.
Speaker 13: Yes.
Speaker 4: Okay, So anyway, talk to me about it. What's going on?
Speaker 19: So we got the money back from the insurance company,
Speaker 19: seven hundred dollars.
Speaker 4: Thank you. Can you tell us what that issue was.
Speaker 4: I'm trying to remember the issue shoe.
Speaker 19: Yeah, she had a six hundred dollars procedure. Insurance they charged,
Speaker 19: the provider charged thirteen hundred, and we got the seven
Speaker 19: hundred back.
Speaker 4: Okay, excellent, excellent. Do you know who you worked with?
Speaker 4: Do you remember who you worked with?
Speaker 12: What?
Speaker 4: Deputy?
Speaker 19: No, no, deputy, we did it on our own.
Speaker 4: Oh good, excellent. How did you do it? Sir?
Speaker 19: Just kept after him, after him, and then they finally
Speaker 19: sent that check to the insurance company.
Speaker 4: Okay. You know one thing very frustrating is dealing with that.
Speaker 4: I want to talk to John Jones.
Speaker 5: Wait wait, wait, though, I just missed something. So they
Speaker 5: sent the the insurance company the money. So you didn't
Speaker 5: get the money back.
Speaker 4: You never paid it. The insurance company did, Yeah.
Speaker 19: Went back into her account.
Speaker 4: Yeah. Yeah, I don't know.
Speaker 5: Wait, I still don't know what that means. So you
Speaker 5: never saved any money? Ensure you help the insurance company
Speaker 5: save money.
Speaker 8: Correct.
Speaker 4: Okay, listen, A lot of people get upset about that.
Speaker 4: Even if I.
Speaker 5: Don't trust one insurance company out there, they're all buddy.
Speaker 4: So John Jones Junior JJJ. Let's talk what about when
Speaker 4: you know there's a like do insurance company's care when
Speaker 4: you find like this, I mean, if you think that
Speaker 4: the insurance company is overpaying sure?
Speaker 7: I mean, and they have appills processes you can walk
Speaker 7: through with the insurance care to make sure that things
Speaker 7: are being paid properly. Pay attention to your eob's explanation
Speaker 7: of benefits and all of that.
Speaker 4: Tell me does do the frequency of claims have a
Speaker 4: bearing on you getting insurance? Like you know, if you
Speaker 4: do a lot of prescription drugs, can a prescription drug
Speaker 4: plan for let's say seniors on Part D? Can they discriminate?
Speaker 4: Not discriminate? But can they rate you accordingly? Not at all? No, No, sir?
Speaker 12: Okay?
Speaker 6: What can you be rated on tobacco use? And no,
Speaker 6: not even all carriers do that.
Speaker 4: But if you're a smoker, I could see.
Speaker 6: That you can have a ten fifteen or so percent
Speaker 6: I'm going to ask.
Speaker 5: Another Yeah, but if you suck down big gulps like
Speaker 5: nobody's business.
Speaker 4: I mean they don't, which is ridiculous. They don't even know. Okay,
Speaker 4: I have another question if you're a UFC fighter, I mean, really,
Speaker 4: do they ever look at occupations? John parachuting?
Speaker 6: Not for health insurance?
Speaker 2: No, sir?
Speaker 4: What about accident?
Speaker 2: Well?
Speaker 4: Wait, how about military?
Speaker 6: Well?
Speaker 4: I guess they have their own coverage. I wanting to
Speaker 4: ask you something else. I know a young person looking
Speaker 4: at a motorcycle and I said, the biggest problem with
Speaker 4: motorcycles is not your liability so much as it is
Speaker 4: your medical payments and your health and not you know,
Speaker 4: your your your own health, okay, because you're most likely
Speaker 4: going to get hurt, end up in a hospital, and
Speaker 4: you're gonna run out really quick if you get five
Speaker 4: thousand dollars in medpay or if you get whatever. So
Speaker 4: my question is do they have accident health insurance just
Speaker 4: for accidents that you can get sure?
Speaker 7: But yes, So they're like a supplement, an accident supply.
Speaker 7: It covers accidents specific up to X amount dollars, maybe
Speaker 7: say ten thousand dollars, but not a lot.
Speaker 4: You can't get like big cover, correct, But I have
Speaker 4: it through them.
Speaker 7: Yeah, it's it exists to cover your high deductible or
Speaker 7: HIMAX out of pocket. So it's a great supplement. However,
Speaker 7: there are exclusions like clans. Yeah, yes, sir, well it
Speaker 7: could be, it could be. It's but they typically have
Speaker 7: to do with extreme No, I.
Speaker 4: Get activities, right, because otherwise that's a cheap way to
Speaker 4: get insured.
Speaker 9: Tom.
Speaker 5: I have one through them that covers fifteen thousand dollars
Speaker 5: for er bills period and it's one hundred percent reimbursable.
Speaker 5: So in other words, really, if my health insurance ends
Speaker 5: up paying for it, I still get a check for
Speaker 5: fifteen thousand dollars insurance is that Yeah, And I've actually
Speaker 5: had it. I've actually used it on my daughter years ago. Well,
Speaker 5: we got a check for fifteen grand.
Speaker 7: Accident plans are actually very very affordable four so they're
Speaker 7: an override.
Speaker 4: An accident plan doesn't ask questions.
Speaker 7: No, well, you've got to prove you were it, Okay,
Speaker 7: you have to prove as far as yeah, absolutely at
Speaker 7: the time of claim, right right, You're gonna have to
Speaker 7: have to.
Speaker 4: Be a legit claim. But what I mean is it
Speaker 4: doesn't matter, as Mark was saying, if his health insurance
Speaker 4: did paid for it.
Speaker 6: No, it doesn't.
Speaker 7: Well, some accident plans do coordinate benefits with your health
Speaker 7: insurance plans, so they'll only pay up to your deductible amount.
Speaker 7: Some don't coordinate benefits, so they pay up to the
Speaker 7: full benefit amount of the plan no matter what.
Speaker 5: Correct, Yes, sir, and Mark got that, yes sir, not
Speaker 5: only that in that same accident, so my my daughter
Speaker 5: got rear ended, ended.
Speaker 4: Up at the er.
Speaker 5: We got the full fifteen thousand plus John Fuller knew
Speaker 5: exactly how to direct the medpay so we basically got that.
Speaker 4: Money as well. I mean, it was ridiculous. They just
Speaker 4: wrote it. If you, if you did a spreadsheet of
Speaker 4: of checks, of debits and credits on Mark's life, on
Speaker 4: paying insurance and getting benefits. This man is ahead of
Speaker 4: the game, head of the insurance game. How many people
Speaker 4: get ahead of the insurance game.
Speaker 7: Well, so anybody that gets really sick, I mean and
Speaker 7: intugert we try to we build it, We look at
Speaker 7: it comprehensively.
Speaker 4: Right, how do you typically come out insurance in general? Mark,
Speaker 4: with your house and everything go go ahead?
Speaker 7: Yeah, how do you plan to you Like a lot
Speaker 7: of people are healthy and they don't plan, so they
Speaker 7: get these high deductible, high max out of pocket health
Speaker 7: insurance plans, but then they have that financial exposure. So
Speaker 7: that's the point of an accident plan. Let's add something
Speaker 7: on for a lot, you know, for an affordable premium
Speaker 7: twenty thirty bucks a month extra.
Speaker 4: And I got to take this break. And again the
Speaker 4: YouTube pole is bogus and they're just busting my shops
Speaker 4: as always three all three seven. He took a YouTube poll.
Speaker 4: Am I a closeted liberal? Come on, No one in
Speaker 4: a million years could accuse me of being liberal. Maybe
Speaker 4: on some social issues where I don't care. I don't
Speaker 4: call that liberal. I call it letting just people who cares.
Speaker 4: And then on fiscal stuff come on, and education, I
Speaker 4: guess the people are liars. Tom.
Speaker 14: It's called a libertarian, which is very which is what
Speaker 14: I think you are.
Speaker 5: No, he's so far from libertarian it's not even funny.
Speaker 5: He want free college for all.
Speaker 4: I mark, free college has nothing to do with liberal
Speaker 4: or conservative. It has to do with actually, no, it's
Speaker 4: at libertarian.
Speaker 5: Libertarian government stays out of everything, Doc, and most people
Speaker 5: don't want government out of everything.
Speaker 4: I want government. I wasn't talking about the government.
Speaker 5: Well, they're involved in healthcare, they're involved in everything in
Speaker 5: our lives quite frankly, so you're far from a libertarian.
Speaker 4: I'm Tom Martinez. We got more coming up. Go with
Speaker 4: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free, no obliging comparison call Compass
Speaker 4: Insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three all three seven to seven
Speaker 4: to one. Help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate man dot com
Speaker 4: to list your home with Remax Alliance three all three
Speaker 4: nine two zero sixteen twenty two. Hi Tom Martino, you're
Speaker 4: troubleshooter three all three seven one three talk seven one
Speaker 4: three eight two five five let's uh continue we have
Speaker 4: he wants to say something else, He said, Art, he
Speaker 4: called about his dental issue and said that he had
Speaker 4: called and got that taken care of, and it was
Speaker 4: dental insurance and he felt they overpaid.
Speaker 6: Go ahead, Art, Yes, we have a bigger poem.
Speaker 19: She had a forty five thousand dollars implants and they failed.
Speaker 4: If they failed, Okay, was there any I mean, I
Speaker 4: don't know if any warranties on that. It could be bone,
Speaker 4: it could Was it because of a malpractice kind of thing,
Speaker 4: or was it that that's what you're saying ARC. Did
Speaker 4: you have someone verify that to two.
Speaker 19: Different implant specialists wents?
Speaker 4: Oh, then you better hold on, sir, You better hold on.
Speaker 4: If you truly had two other implant people say it
Speaker 4: was malpracticed or it was done wrong, then then this
Speaker 4: is a whole separate issue. Hang on and we'll come
Speaker 4: back to you. I'm Tom Martinez. We have John Jones
Speaker 4: Integra Insurance. By the way, don't ever try to do
Speaker 4: that alone. They will save you money. Health insurance made
Speaker 4: simple and smart. That's Integra Insurance dot com. We love
Speaker 4: these guys. Three oh three four six six fifty five hundred.
Speaker 4: We have more coming up on the Troubleshooter Show. Go
Speaker 4: with a sure Thing Denver's Best Roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance Yeah, cup free, no obligation comparison call Compass
Speaker 4: insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three oh three seven seven to
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate man dot com to
Speaker 4: list your home with Remax Alliance. Three oh three nine
Speaker 4: two zero sixteen twenty two.
Speaker 1: Yeah, news needs you don't have.
Speaker 2: Come run in astas as we can.
Speaker 1: Shooter's gonna help coming man, This is.
Speaker 4: The Troubleshooter Show. Now, Tom Martino, Hey, Tom Martino here,
Speaker 4: Welcome to the show. Three oh three seven one three
Speaker 4: talks seven one three eight two five five. Okay, Mark,
Speaker 4: I'll take you full screen here by the way, those
Speaker 4: streaming marks showing us some visual aids here. He's got
Speaker 4: a he's got a life size image of Donald Trump.
Speaker 4: He's showing us there he is in the background, by
Speaker 4: the way, Welcome to the show. Everyone who's not on
Speaker 4: YouTube or streaming us, you can always go to the
Speaker 4: Troubleshooter Network page and get it. But yeah, we see
Speaker 4: that Mark's let me let me put it live here. Yeah, okay, anyway,
Speaker 4: three h three seven one three talk. Let's go to
Speaker 4: the phones and make your life a little easier. Anything
Speaker 4: you can, anything you need, you give us a call
Speaker 4: if you have a problem, question your complaint, because this
Speaker 4: one is really serious. Art has a serious issue. He said,
Speaker 4: he has a faulty Well, his wife has a faulty
Speaker 4: dental implant. Yes, and I want to take that right now.
Speaker 4: So go ahead and tell us about that faulty implant. Art,
Speaker 4: tell me what's going on.
Speaker 19: He went to two specialists and both of them said
Speaker 19: it was installed incorrectly.
Speaker 4: Now, Art, when when did she have it done? I
Speaker 4: need a timeline here.
Speaker 19: Thanks to see and surgical placement implants were on one
Speaker 19: twenty of a twenty two.
Speaker 4: Okay, name plan in one twenty of twenty two, right, okay, and.
Speaker 19: The plan was in tough pill So it's placed on
Speaker 19: those dates.
Speaker 4: On one twenty twenty two correctly. That was the last visit.
Speaker 4: I know.
Speaker 19: She had a cleaning on four to ten of this year.
Speaker 4: No, no, no, I meant on the implant people, they
Speaker 4: implanted it one twenty twenty two. But did they she
Speaker 4: get she got the implant, that's the screw into the bone.
Speaker 4: When did she get the restoration? When did she get
Speaker 4: the restoration which is the tooth part of.
Speaker 19: It, the tooth part. Let me see, I'm looking at
Speaker 19: the procedure. I don't have the dates on that right now, I'm.
Speaker 4: Looking Okay, now, all right, Now here's what I want
Speaker 4: to know. What was faulty?
Speaker 19: According to the added two specialists, it was let me see,
Speaker 19: I got it right here. When they implanted it, they
Speaker 19: put the bottom two, I mean bottom five implants too
Speaker 19: close to the nerve.
Speaker 4: So she waited. She had several implants then for a
Speaker 4: whole set of dentures.
Speaker 19: Direct yet two piece one top one boughty.
Speaker 4: Okay, so no, I get it for dentures. Okay. Now,
Speaker 4: then then you said it's faulty. Okay. But the two
Speaker 4: specialists were they implant doctors?
Speaker 19: Yes, they are both.
Speaker 4: Uh okay, now they will they put that in writing
Speaker 4: for you.
Speaker 19: I'm not too sure. One of as I said, would that?
Speaker 19: Would you consider that malpractice? And he said, I can't
Speaker 19: use that word.
Speaker 4: Okay, here's the problem. If he can't use the word,
Speaker 4: you can't use the word. If you cannot get another
Speaker 4: dentist to say it was malpractice, you will. That is
Speaker 4: one of the requirements of a malpractice lawsuit.
Speaker 5: It would cost a fortune to get that as well,
Speaker 5: just to get to court. I think all that work
Speaker 5: being done over would cost quite a bit less.
Speaker 4: Yes, okay, Now, Here's what I want to know. I
Speaker 4: want to know this. Did any of them say they
Speaker 4: would use the word malpractice?
Speaker 19: Well, when I asked the specialist, I said, would you
Speaker 19: consider that malpractice? And they're like shook his head, but
Speaker 19: he said, I can't use that word.
Speaker 4: Well, okay, well then he doesn't believe it's malpractice.
Speaker 19: Well all these we got all the X rays and everything,
Speaker 19: and it's really bad job, it's crooked.
Speaker 4: But he did not say it was malpractice. You do
Speaker 4: not have a malpractice case without finding a dentist in
Speaker 4: the same field who will call it malpractice. Okay, I mean,
Speaker 4: I'm just telling you that. Go ahead, d what do
Speaker 4: you have? Hold on? Go ahead?
Speaker 14: Tom.
Speaker 17: I think that if he contacts an attorney who specializes
Speaker 17: in malpractice suits, that attorney has a phone book full
Speaker 17: of dentists that he uses that do use the word malpractice.
Speaker 4: Oh well, sure they do, but they yeah. But if
Speaker 4: he can't find any on his own and he goes
Speaker 4: to an attorney, I doubt there are many attorneys that
Speaker 4: will even talk to him.
Speaker 12: Oh no.
Speaker 17: My point is the attorney will have dentists ready to
Speaker 17: go that he already uses in.
Speaker 4: Case cost him his fortune. Okay, you don't just go
Speaker 4: to an expert when you're when you're an attorney and
Speaker 4: you have experts, they're going to charge that attorney five
Speaker 4: grand twenty five hundred minimum. So here's what's going to happen.
Speaker 4: They don't do it on spec So here's what's going
Speaker 4: to happen. He hears from this guy that two people
Speaker 4: already said they don't think it's malpractice. Now, if it's
Speaker 4: so apparent and so terrible and the attorney thinks they
Speaker 4: have a shot, the attorney is going to go and
Speaker 4: front them. They always front the money, but eventually it
Speaker 4: has to come out of the proceeds. So here's what
Speaker 4: I'm asking, Okay, what are the damages? Because that's what
Speaker 4: it's all going to come down to. What what are
Speaker 4: the damages?
Speaker 19: Well, right now she has handy jaw pain. I caun't to.
Speaker 4: Okay, how old is she? How old is she?
Speaker 19: She's a.
Speaker 4: Seventy seventy okay? And she has all of this pain
Speaker 4: and suffering. How long has it been going on?
Speaker 13: Two years?
Speaker 4: Okay? And and what will it take to fix? Did
Speaker 4: those experts say one.
Speaker 19: Of them said a fool needs to be completely redone
Speaker 19: and they're going to try to stabilize it for now,
Speaker 19: but they said it probably just can't do it stabilized.
Speaker 19: Maybe stabilize it for three or four months.
Speaker 4: What do you mean by stabilize it? Is it infected?
Speaker 12: Uh?
Speaker 19: Yeah, they need to take out the screws in there
Speaker 19: and ty wait.
Speaker 4: Hold on, hold on, you just passed by that. When
Speaker 4: I say is it infected?
Speaker 19: They said that there's infection.
Speaker 4: Okay, that's serious. So what is she doing about the infection?
Speaker 2: Oh?
Speaker 19: While she cleans her teeth every time after she is
Speaker 19: she on medication?
Speaker 4: Not for that?
Speaker 10: Not right now?
Speaker 4: Well, then how do you say? Wait? Was she diagnosed
Speaker 4: with an infection and the doctor said, we're not going
Speaker 4: to give you antibiotics, just clean your teeth.
Speaker 19: Yes, they need Well, we're going in for the second
Speaker 19: consultation here shortly and they're.
Speaker 4: Just so you know, you gotta document each and everything
Speaker 4: you're doing and it needs treatment. You know, when people say, yeah,
Speaker 4: we have an infection, but they're not on antibiotics and
Speaker 4: the infection isn't getting worse. Is it getting better?
Speaker 19: It's still affecting her. I don't think it's getting I
Speaker 19: think it's stay the same.
Speaker 15: Can't Tom I can't imagine any healthcare professional thing you
Speaker 15: have an infection and not doing anything about it.
Speaker 4: Exactly, neither can I.
Speaker 14: It doesn't make any sense.
Speaker 4: Yeah, neither can I. I can't even imagine it. So,
Speaker 4: you know, saying she's infected, you don't understand how serious
Speaker 4: that is in her jaw. Okay, so is she infected
Speaker 4: or not? She is? She better get treatment or she's
Speaker 4: not gonna have malpractice because she's got to mitigate her damages.
Speaker 4: If she sits there for two years with an infection
Speaker 4: and it gets worse, guess who's fault it is hers?
Speaker 4: But really quick back to the malpractice. I mean, the
Speaker 4: first thing you gotta do is find in an attorney
Speaker 4: that'll take it, and if you pay, I'm sure you'll
Speaker 4: find one. And then once he files an action against
Speaker 4: that professional under Colorado law, then you have to do
Speaker 4: that review, the certificate of review within sixty days. That's
Speaker 4: where that attorney will get a professional who's also a
Speaker 4: dentist to see etnal will take it if But no, no,
Speaker 4: you're you're saying if the attorney will take it on contingency,
Speaker 4: there's no way they're going to take it on contingency.
Speaker 4: But you can come twenty grand out of pocket and
Speaker 4: you might be able to get to that part of
Speaker 4: the trial. And then let's say you come then the
Speaker 4: bills start really adding up. Yeah, but most malpractice is
Speaker 4: on contingency in the beginning. They may want you to
Speaker 4: invest the money to prove it's malpractice, or to at
Speaker 4: least get a statement of malpractice, but man, it is,
Speaker 4: you gotta have some.
Speaker 5: If there's only ten or fIF. Okay, we just said
Speaker 5: the same thing in different ways. I'm saying, if she
Speaker 5: can have everything redone, y, that's right.
Speaker 4: If she can have everything redone for less than fifth,
Speaker 4: then she ought to do it because it's going to
Speaker 4: be cheaper than malpractice.
Speaker 6: That's right.
Speaker 4: Now, maybe she can go ahead, sir.
Speaker 19: On the top, she was supposed to have six implants
Speaker 19: on the top, and there's only five. They charged her
Speaker 19: for six and they took out one. I guess the
Speaker 19: bone density wasn't strong enough, and so there's only five
Speaker 19: on top. It's supposed to be six and they never
Speaker 19: corrected it.
Speaker 4: Okay, if she doesn't have the bone density to put
Speaker 4: the implant, the wise thing to do was to remove
Speaker 4: it like they did. So that's not malpractice.
Speaker 14: Yeah.
Speaker 19: The only thing is that they were supposed to cut
Speaker 19: according to their implants. Specially they should have cut the
Speaker 19: the part of the implant that was not screwed in
Speaker 19: because right now her up right.
Speaker 4: Wait a minute, they left the sixth implant in the
Speaker 4: weak bone, the one that won't hold the tooth.
Speaker 19: No, they took the infant out, but it's still a
Speaker 19: little rocky and it's shaking once she choose.
Speaker 4: Listen, you know what our look at. This is way
Speaker 4: beyond our scope. Here's what you need to do. Union,
Speaker 4: none are Seriously, here's your barometer of whether you have
Speaker 4: a good case. Get all of your records together and
Speaker 4: go see malpractice attorneys. If you cannot get a malpractice
Speaker 4: attorney to take it, it is not a good case,
Speaker 4: I promise you. Okay, there are all kinds of malpractice
Speaker 4: attorneys and no, no, I don't you know Bendanelli, if
Speaker 4: the case is there, I know if he can see
Speaker 4: a case, Marco Bendonelli on the referral list would look
Speaker 4: at it. And Marco does pretty well, uh for malpractice,
Speaker 4: but there's no damn. Yeah. Malpractice is one of the
Speaker 4: most difficult suits to bring of any suits. Maybe premises
Speaker 4: liability is another one that's difficult.
Speaker 5: And I hate to even say this. With her age,
Speaker 5: she probably I'm almost sure of it. She doesn't work,
Speaker 5: so that there's once again different things you can't go
Speaker 5: after compared to if this happened to somebody that for
Speaker 5: the next twenty years can't perform a job, he could
Speaker 5: go after millions of dollars in compensation.
Speaker 4: But you have none of this. Now. We're not telling
Speaker 4: you not to speak to We're not telling you not
Speaker 4: to speak to an attorney, but you have to be
Speaker 4: really careful because it can be you know, it's tricky malpractice.
Speaker 4: I think what you need to do really is to
Speaker 4: start getting her evaluated to get this fixed. If she's
Speaker 4: in misery, and she really does. Maybe they want her
Speaker 4: to fully heal first and take care of it. I
Speaker 4: don't know, but you need to get a good specialist that.
Speaker 6: Yes, go ahead, we called.
Speaker 19: We called the dental Associates of Roora to see if
Speaker 19: they would help correct it. We called three times and
Speaker 19: they call back.
Speaker 4: Are they the ones that did the original?
Speaker 14: Yes?
Speaker 4: Is the doctor still there?
Speaker 19: He's still there.
Speaker 4: Why would you want them to correct it if you're
Speaker 4: claiming they did.
Speaker 19: Well, it's going to cost her more money to fix it.
Speaker 4: And if he can fix it for her, you can
Speaker 4: go to the dental you can go to the dental board.
Speaker 4: You know, if this actually if this doctor was told,
Speaker 4: if you were told it was improper, and this doctor
Speaker 4: refuses to does he refuse, does refuse to acknowledge there's
Speaker 4: a problem.
Speaker 19: Uh, he refuses to.
Speaker 9: Call it back.
Speaker 4: What's his name?
Speaker 19: His name is doctor Lee and he's at Dental Associates of.
Speaker 4: Aurora, Doctor Lee.
Speaker 5: Let's have Deputy Dot call over and see if Deputy
Speaker 5: Doc can't talk to him. Yeah, uh yeah, Now maybe
Speaker 5: maybe this guy will be willing to look at it
Speaker 5: and fix it.
Speaker 4: I have no idea. Yeah, Doc, First of all, we're
Speaker 4: gonna have to get some kind of conference call or hippa.
Speaker 4: But the fact that he won't call you back sucks.
Speaker 4: You know that that really sucks. So hang on, we're
Speaker 4: gonna give it over to deputy doctor.
Speaker 14: We start a conference call that way, but not have
Speaker 14: to go to that whole hip of stuff.
Speaker 4: Three oh three seven one three talk seven one three
Speaker 4: A two five five.
Speaker 2: Uh.
Speaker 4: You know Compass Insurance group. Uh, we have health insurance
Speaker 4: on today with Integra. Of course, Compass does the same
Speaker 4: thing with you for other insurance, casualty, loss, car insurance house.
Speaker 4: You know all of that business, and they give you
Speaker 4: free quotes, and they also do free comparisons to see
Speaker 4: if you have a great deal, and if you do,
Speaker 4: they'll be honest with you. Three oh three nine nine
Speaker 4: six nine thousand. Go with a sure thing Denver's Best
Speaker 4: roofer Excel Roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance check up, free
Speaker 4: no obligation comparison call Compass Insurance paying too much your
Speaker 4: coverage at dozens of insurance companies find out now three
Speaker 4: oh three seven seven to one help. You'll think you're
Speaker 4: his only customer when you choose Frank Durand there real
Speaker 4: estate man dot com to list your home with Remax
Speaker 4: Alliance three all three nine two zero sixteen twenty two.
Speaker 4: Hi Tom Martino, your troubleshooter three oh three seven one
Speaker 4: three talk three oh three seven one three eight two
Speaker 4: five five. All right, Mark, he's uh roaming around with
Speaker 4: his camera on YouTube. And uh people you miss at
Speaker 4: ratio if you don't have that alongside your radio anyway.
Speaker 4: Three oh three seven one three talks seven one three
Speaker 4: eight two five five. Okay, I turned you off there, Mark, Hey,
Speaker 4: reconnect with your regular camera.
Speaker 15: Yes, sir, just got a quick call from a lady
Speaker 15: about her speed Queen washer.
Speaker 4: Yes, I remember that one. Did you handle that one?
Speaker 15: I handled it, and about two weeks ago they promised
Speaker 15: her choosing to get a new one.
Speaker 14: It was delivered and hooked up yesterday.
Speaker 4: Oh man, that is a yes, I see it. She
Speaker 4: called on the seventh of October and she bought a
Speaker 4: new speed. Queen was having nothing but trouble, could not
Speaker 4: get anyone out there. And by god, I get to
Speaker 4: use my dinger once again. I just love using my dinger.
Speaker 4: You know, it's seventy one. You don't get to use
Speaker 4: it that much, so I'm really happy about that.
Speaker 14: She's a happy camper.
Speaker 4: Cool Jim, you have a question about something, Jim, go ahead,
Speaker 4: welcome to the show. What's going on?
Speaker 2: Bro?
Speaker 13: Yes, I have a quick question. I would like to
Speaker 13: know if the leaf guards on Home Ring de Gutters
Speaker 13: is worthwhile.
Speaker 4: Leaf Guard, well, okay, when you say worthwhile, First of all,
Speaker 4: leaf guard is an entire gutter system, isn't it. I
Speaker 4: don't think it's just yes, it's it's the whole gutter
Speaker 4: with the built in system. There's nothing wrong with leaf guard.
Speaker 4: It's pretty good. You know, a gutter helmet. They all
Speaker 4: work to a certain extent. I don't like the screens
Speaker 4: they put on. But you're talking about getting all brand
Speaker 4: new gutters, Is that right?
Speaker 13: No, I just want the leaf guard to go on
Speaker 13: top of the gutters.
Speaker 4: I've never Okay, I know what you're talking you're not
Speaker 4: talking about leaf guard does not go on top of
Speaker 4: the gutter. But I know what you're talking about. You're
Speaker 4: talking about buying some leaf protection of some kind.
Speaker 5: I totally disagree on this one. I don't think you
Speaker 5: should get it man. And I'll tell you why I
Speaker 5: get what mark any kind of leaf protection, any kind
Speaker 5: of leaf protection I want, wouldn't I get it?
Speaker 4: Well, I'll tell you why.
Speaker 5: It's gonna run anywhere between what three thousand in up
Speaker 5: Excel roofing will come out. If you have a one
Speaker 5: story house it's one hundred and ninety nine, a two
Speaker 5: story two ninety nine. I have them come out twice
Speaker 5: a year and clean my gutters, and it worked better
Speaker 5: than anything I've had on any other house before. Including
Speaker 5: those systems, and you're not. You're gonna end up paying less.
Speaker 5: They're gonna be perfectly cleaned twice a year, and you'll
Speaker 5: never pay what you had to for that gutter system.
Speaker 4: So yeah, you're right if you can actually spend four
Speaker 4: hundred a year getting them cleaned twice a year, and
Speaker 4: that's that's ten.
Speaker 5: They's and they're spotless when they're done, the down spouts
Speaker 5: are done, everything's done.
Speaker 4: They're spotless. Okay, Jim, you might want to call Excel
Speaker 4: Roofing and just have them clean your gutters.
Speaker 13: That sounds like the way to go.
Speaker 4: Yeah, I mean, it'll save you thousands of dollars mark.
Speaker 4: That's a good suggestion. Yeah, I just I just never
Speaker 4: thought of about that. I I I just never thought
Speaker 4: about that, you know, just having someone clean him twice
Speaker 4: a year. That well, I guess I have thought about
Speaker 4: it because that's what I do, but I never compared
Speaker 4: it with actually putting the protection on. So that's pretty cool.
Speaker 4: Three oh three seven one three talks seven one three
Speaker 4: eight two five five. Okay, let's uh, let's continue here
Speaker 4: on your let's continue on our quest here, Okay, John
Speaker 4: Jones Junior, I want to bring him back and we
Speaker 4: have him. Hey, now okay, let me ask on right
Speaker 4: real quick. I want to get to this text on
Speaker 4: the health insurance. When should a child be taken off
Speaker 4: their health insurance or when do they have to be
Speaker 4: taken off? What depends well when they should and when
Speaker 4: they have to be the okay, so I want to
Speaker 4: I want to discuss both absolutely.
Speaker 7: So age twenty six is technically at age twenty six
Speaker 7: they would come off uh manatory mandatory.
Speaker 4: Apparently before twenty six do they have to be enrolled
Speaker 4: in school or anything from twenty one to twelve.
Speaker 7: So then we get into and this is part of
Speaker 7: the conversation we have with all of our clients, is
Speaker 7: you know, do you qualify for a tax credit? Because
Speaker 7: if you qualify for a tax credit, it's based on
Speaker 7: tax household. So if you have an older child but
Speaker 7: you don't claim that child as a dependent anymore, then
Speaker 7: they would not be included into your plan getting a
Speaker 7: tax credit. We would want to look at what their
Speaker 7: option would be on their own.
Speaker 4: Well, what I mean it is more news if you
Speaker 4: took them off of your insurance, would that make you
Speaker 4: less qualified for a credit.
Speaker 7: Or more ca Well, it could because then your tax
Speaker 7: household is smaller. Right, so you set up a tax
Speaker 7: household of three qualifying for a tax credit, or a
Speaker 7: tax household of four or five.
Speaker 6: Now maybe it's just you and your spouse household of two.
Speaker 4: Then you then your child might be able to get
Speaker 4: their own correct, your child may be able to get
Speaker 4: their own Also, if you do have an older dependent
Speaker 4: that you are claiming, there, if they earn income, that
Speaker 4: income would.
Speaker 7: Count towards your tax household income and so that could
Speaker 7: give you less tax credit that direction as well.
Speaker 4: Put it this way, what if you had an older
Speaker 4: one who is on your insurance and.
Speaker 2: You have.
Speaker 4: You know, so they're on your insurance, but they don't
Speaker 4: make a lot of money and they could actually do medicaid?
Speaker 4: Yes or no if you don't.
Speaker 6: If you don't, well it depends if they're a dependent.
Speaker 7: So if you claim them as a dependent, then your
Speaker 7: income would count toward their eligibility.
Speaker 4: They do their own thing and they're not claimed.
Speaker 7: Correct, then yes, absolutely, they could potentially qualify for medicaid.
Speaker 7: And that's part of the conversations we have with all
Speaker 7: of our clients.
Speaker 5: Mark, what were you going to ask him, Well, what's
Speaker 5: the biggest mistake when people are shopping for medicare, example
Speaker 5: might be like, I know, Tom, you've got kind of
Speaker 5: the mac daddy. Supplement plans or supplemental plans do a
Speaker 5: lot of people like go with advantage, for example, and
Speaker 5: then find that they don't have the coverage they expected,
Speaker 5: they can't go to certain doctors. But just in general,
Speaker 5: the biggest the biggest regrets that you've seen from people
Speaker 5: on mistakes they've made choosing a plan.
Speaker 7: I think what I would certainly caution anyone is not
Speaker 7: just calling thee the telephone number on your television screen
Speaker 7: when you see the commercials.
Speaker 6: I think the biggest mistake, in my opinion, is.
Speaker 7: Probably not being given all the information, all the options
Speaker 7: available to them, so that they have a good understanding
Speaker 7: of Medicare, how Medicare works, what a supplement is, what
Speaker 7: an advantage plan is, the pros and cons of both,
Speaker 7: and having in you know that information they need to
Speaker 7: make an informed.
Speaker 6: Decision about what's best for them.
Speaker 11: Uhuh.
Speaker 7: And so I would just say avoid the call center,
Speaker 7: talk to an expert, somebody who does both, not somebody
Speaker 7: who just does Medicare advantage, not somebody who only does
Speaker 7: Medicare supplements. But somebody who can sit down and explain
Speaker 7: the entire the entire thing for you.
Speaker 5: I saw a commercial today, like you're talking about an
Speaker 5: eight hundred number, and I tell us what this plan is.
Speaker 5: They were talking about a plan where they get a
Speaker 5: preloaded uh some kind of like preloaded credit card each month,
Speaker 5: or money's put on the card each month, and they
Speaker 5: can actually go out and buy some groceries. I mean,
Speaker 5: I've never heard of that. How does that work?
Speaker 7: So, and there are advantage plans, and I can't get
Speaker 7: into specifics for any specific company things like that, but
Speaker 7: there are advantage plans.
Speaker 6: That and it is based on income. It's if you qualify.
Speaker 7: And so that's the thing they're trying to hook somebody,
Speaker 7: have them call in without explaining first, Hey, it is
Speaker 7: based on income that you might or might not qualify
Speaker 7: for these types of benefits that could be in there.
Speaker 6: So that's it. Just take what you see on TV
Speaker 6: with a grain of salt.
Speaker 7: Talk to an expert, talk to and talk to you know,
Speaker 7: give us a call and we'll happily walk you through
Speaker 7: all of those options.
Speaker 4: All right, we got to take a break. Three all
Speaker 4: three seven one three talk seven one three eight two
Speaker 4: five five. Frank rand the real estate Man. By the way,
Speaker 4: He's available to give you complete market analysis of your
Speaker 4: home and what it will sell for, even what you
Speaker 4: will clear after expenses, and what you can qualify for
Speaker 4: if you want to buy either here or somewhere else.
Speaker 4: That's Frank durand the real Estate Man dot com. A
Speaker 4: total complimentary service with no obligations whatsoever. Three oh three
Speaker 4: nine two zero sixteen twenty two. Go with a sure
Speaker 4: thing Denver's best roofer Excel Roofing dot com. You don't
Speaker 4: pay a cent until you're content. Time for an insurance
Speaker 4: check up, free no obligation comparison call Compass Insurance Paying
Speaker 4: too much your coverage at dozens of insurance companies find
Speaker 4: out now three oh three seven seven to one help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real Estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Three
Speaker 4: O three seven one three talks seven one three eight
Speaker 4: two five five. Okay, welcome to the show. We're here
Speaker 4: to help you and uh I got mark full screen
Speaker 4: for those streamings so you can see us Trump of
Speaker 4: whatever it is, life size cutout. But how things scared
Speaker 4: the hell out of me coming out of the hot tub.
Speaker 5: I go back inside and the lights are not and
Speaker 5: I think there's some dude in my basement.
Speaker 4: Three three seven one three. Tok. Let's go back to
Speaker 4: our texts, our phones and everything else. Let me get
Speaker 4: my screener up. Okay, So Steve, what's going on with you? Steve,
Speaker 4: Welcome to the show. What's happening?
Speaker 13: Thank you.
Speaker 9: We had bought a Hondis Tucson and a recall letter
Speaker 9: came through the mountain about a knock sensor that it
Speaker 9: was on the recall about a couple of months later
Speaker 9: at the most the sensor went off fine, so I
Speaker 9: figured I would take it in and get it repaired.
Speaker 9: Took it to the wrap a hole. Can I use names, yes,
Speaker 9: of course, like okay, great, went to rap had my
Speaker 9: mechanic prior to the hard the code on it to
Speaker 9: make sure I was right. He said it was a
Speaker 9: knock sensor.
Speaker 13: I took it in there.
Speaker 9: They told me, you know, we do our own assessments.
Speaker 4: Fine, yeah they do, because if they did the knock
Speaker 4: sensor and it didn't work, then you're going to be upset.
Speaker 4: So they usually do their own diagnosis, right.
Speaker 9: And I'm down with that. That's cool. If they kept
Speaker 9: it for about three days, had a rent car because
Speaker 9: they don't provide a loaner on these kind of services.
Speaker 6: Right.
Speaker 4: What kind of Hondai is it?
Speaker 9: By the way, it's a Tucson.
Speaker 4: All right, got it?
Speaker 6: So went ahead?
Speaker 13: Did that?
Speaker 9: What they had done the first go round though, is
Speaker 9: they basically did a hard reset on the computer system
Speaker 9: and knocked the sensor out and everything went back to normal.
Speaker 9: So I thought, well, maybe I'm an idiot, and they
Speaker 9: fixed it. About thirty days later, the sensor went off again.
Speaker 9: And the knock sensor, I'm not sure if you're aware,
Speaker 9: but it shuts your engine down where you can't go
Speaker 9: over two thousand RPMs. So it doesn't ruin your engine, right, okay,
Speaker 9: but you can't get out of an issue because you
Speaker 9: can only go rev up to two thousand.
Speaker 4: Let me ask you this, the knock sensor when it
Speaker 4: first went out, Yes, sir, and your mechanics said, it's
Speaker 4: your noock sensor. Why didn't you have him fix it?
Speaker 4: Was it still under warranty.
Speaker 9: No, there was a recall on it was a Oh.
Speaker 5: Okay, there was a recall, got it? Are you sure
Speaker 5: it was You're sure it was a recall.
Speaker 9: Though, I'm They told me when I got there they
Speaker 9: would cover it under the recall. I'm like, old, that's
Speaker 9: what the PaperWorks.
Speaker 4: I see a.
Speaker 5: Product improvement campaign to update the NOC sensor detection system
Speaker 5: software on your vehicle if it's a Tucson.
Speaker 14: But I don't.
Speaker 4: I don't see where they're replacing knock sensors.
Speaker 9: Well again, when I went in there and spoke to
Speaker 9: this girl named Alex, that's what they told me. They would,
Speaker 9: you know, they would cover replacing a nock sensor. They
Speaker 9: ended up upgrading the software. I believe on the second
Speaker 9: time this all went down, right, because this is how
Speaker 9: up three times?
Speaker 13: Now?
Speaker 4: Okay, well, where does it stand right now?
Speaker 9: Steve stand sitting in a repair shop for the last week?
Speaker 4: What's your repair shop? Is it back at Hyundai?
Speaker 14: Yes?
Speaker 20: Sirtainly?
Speaker 4: And why is this it? Did it go bad again?
Speaker 9: Yes?
Speaker 13: Yes it did.
Speaker 9: It's gone bad three times.
Speaker 4: That's weird how it's gone bad three times? Where you're
Speaker 4: stranded in limp mode.
Speaker 9: Not me, my wife and that's a problem, right, Yeah, anyway,
Speaker 9: that's not the point. The point is though, the second
Speaker 9: time I was in there, I met their shop manager
Speaker 9: at the time, who's no longer there, and he told
Speaker 9: me it's either a knock sensor or your bearings are
Speaker 9: going to be problematic in your engine, and they replace
Speaker 9: the engine, and that's how you can get a loaner car.
Speaker 9: If they finally have to replace your engines. I'm like,
Speaker 9: whatever it takes. Right, second time, they reset the censor again.
Speaker 9: About thirty days later it went off again, and then
Speaker 9: back into the shop again. On the third time, though
Speaker 9: we've been without a vehicle for up well this last
Speaker 9: the third time was ten plus days. Now, we were
Speaker 9: working on about eight days and they're still telling me
Speaker 9: they have no idea a loaners. Out of the question.
Speaker 9: I only really want out of it is a car
Speaker 9: for my wife to get around until they configure it.
Speaker 9: They can keep that car in there until they fix it.
Speaker 9: I don't want to bring it back and have it
Speaker 9: die within thirty days because they just want to get
Speaker 9: me out of their hair. It's frustrating to the n degree, right,
Speaker 9: And the last response I got was yeah, we can't
Speaker 9: get you a loaner. And this is all from young
Speaker 9: You know, people at the desk, they have no authority,
Speaker 9: And I want to talk to managers, can't talk to managers.
Speaker 9: My wife actually called once please stop me if I
Speaker 9: go too long, and she was told that they don't
Speaker 9: let people call it managers. Well that's the dumbest thing
Speaker 9: I ever heard. But yeah, I can't get a hold
Speaker 9: of a manager to save my life.
Speaker 4: Do me a favor.
Speaker 5: Give your VIN number to Kelly and I will email
Speaker 5: or text somebody for you and see what's going on
Speaker 5: with it. As far as the Reynolds, that's pretty standard
Speaker 5: these days.
Speaker 4: Man again, Mark when I when I listened.
Speaker 15: To my Hyundai, Yeah, the people at a rap Hole
Speaker 15: were very very rude and obnoxious, and the people at
Speaker 15: Chomp Hyundai were so much nicer. And I actually I
Speaker 15: went there yesterday. They did some stuff for free. It
Speaker 15: was like night and day between them and a rap
Speaker 15: ho Yeah.
Speaker 4: A rapp Hose used to charge for coffee.
Speaker 9: We add one more thing. In the third go round,
Speaker 9: they finally acknowledge they're going to censors, so they sent
Speaker 9: me a text and said approve of these repairs. So
Speaker 9: I open this text, there are six things on one
Speaker 9: with the knock sensor for six hundred dollars.
Speaker 4: Wait, they don't wait wait wait wait, they're not charging
Speaker 4: you each time it goes wrong, right, No, I have to.
Speaker 9: Tell them there's no charge. So the first few times
Speaker 9: agreed no charge. Third time should have been no charge.
Speaker 9: And then they tried to charge me for it. And
Speaker 9: they told me that who they submit their claims to
Speaker 9: on these n has kicked them all back, saying, yeah,
Speaker 9: you can't do that anymore.
Speaker 4: Well, hold on, hold on, Steve. They're probably pissed that
Speaker 4: they did four of them. For God's sakes, I mean,
Speaker 4: but that's not your problem. How many times let me
Speaker 4: tell you how much time in between the knock sensors?
Speaker 9: About thirty days?
Speaker 11: Almost done?
Speaker 6: Almost, dude, this.
Speaker 4: Should be done, no charge to you. It doesn't matter
Speaker 4: if they kick it back. Where does the stand right now?
Speaker 4: Hold on, We got to take a break, but I
Speaker 4: need to get to a point of what do you
Speaker 4: want us to do? Three O three seven one three
Speaker 4: talks seven one three A two five five Go with
Speaker 4: a sure thing Denver's best roofer Excel roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free no obligation comparison call Compass
Speaker 4: Insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three all three seven seven to
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three oh three nine
Speaker 4: two zero sixteen twenty two. Hey Tom Martina here, welcome
Speaker 4: to the whole gang. Here Major Mark Major, We got
Speaker 4: everybody here. Let's go to the phones and see what
Speaker 4: we can do to help you. And uh three O
Speaker 4: three seven one three talks seven one three eight two
Speaker 4: five five. Uh So Steve was giving us his his
Speaker 4: long story about how they are changing out these censers
Speaker 4: over and over and over under recall and it's a
Speaker 4: pain in the ass. It is, it's inconvenient, it's terrible.
Speaker 4: Have you ever thought about switching to another dealer? That
Speaker 4: my exact thoughts. I'd get it over to McDonald honday.
Speaker 18: Brother.
Speaker 4: I like McDonald honday.
Speaker 5: They got a brand new service center office C four seventy.
Speaker 5: That is, it is the mac Daddy mac Daddy.
Speaker 13: So what we are.
Speaker 9: We're considering that one hundred percent. The problem is is
Speaker 9: I started with these guys. I didn't want to reinvent
Speaker 9: the wheel going to a different service center. But when
Speaker 9: this thing is finally under my skin, under my seat,
Speaker 9: if you will, I'm gonna dump this car. I won't
Speaker 9: buy a Hyundai again. I swear to God this experience.
Speaker 5: Well, I don't think you can blame the whole problem
Speaker 5: on a bad dealership.
Speaker 4: I mean, these guys suck it, fix some stuff.
Speaker 9: Well that's the other part is you know I started there.
Speaker 9: I wanted to finish it there. And if it comes
Speaker 9: down to it where yeah, I can't dump it and
Speaker 9: get into something better. Maybe Yeah, I'll think it over
Speaker 9: to mc donald the hope that God it doesn't break again.
Speaker 4: Yeah but wait, wait a minute. Though, in general, Hyundai's
Speaker 4: a pretty dependable brand, are they.
Speaker 9: I don't have that experience. I couldn't tell you that.
Speaker 4: Well, he definitely has it fair enough, huh.
Speaker 5: The best advice we can give you is what we
Speaker 5: just told you, though, Get it the hell out of
Speaker 5: a rapa ho HONDI. I told you they used to
Speaker 5: charge fifty cents for coffee when you were buying a car.
Speaker 4: Oh god, we got more. We got more coming up
Speaker 4: on The Troubleshooter Show. Three all three seven one three
Speaker 4: talks seven one three eight two five five stick around,
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Three time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three oh
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two ye.
Speaker 2: Ripped of.
Speaker 1: New need advice?
Speaker 2: Who you don't have? Come running as fast as we can.
Speaker 1: Shooter's gonna help, come man.
Speaker 3: Six is the Troubleshooter Show. No Tom Martino, Hello.
Speaker 4: Tom Martino here? Three O three seven one three talk
Speaker 4: seven one three A two five five What who's doing
Speaker 4: the thumbs down on my screen? How the hell did
Speaker 4: that happen? How did you see that? There's a gesture
Speaker 4: going on like it keeps throwing down down. Is that
Speaker 4: coming from YouTube or where? No, you must be doing that.
Speaker 4: Don't worry, I'm not doing it anyway. Welcome to the show, folks.
Speaker 4: For those not on the screen, welcome. Hey, Dave's got
Speaker 4: a question. But this is a consumer show. We talk
Speaker 4: about basically everything. Okay, anything that you want to talk about,
Speaker 4: you call us. If you need help, you call us.
Speaker 4: We have Integer Insurance with us today, and they do
Speaker 4: health insurance made simple and smart.
Speaker 6: It really is.
Speaker 4: I mean, I can't even imagine, I, honest to God,
Speaker 4: cannot imagine trying to shop for health insurance on my own.
Speaker 4: I just can't imagine it. It is so varied and
Speaker 4: the same thing when it came to the supplements, so
Speaker 4: I just depended on them ever since the exchange came
Speaker 4: out or actually, no, we were dealing with you before Obamacare.
Speaker 4: I've known you for years. That's right. For Obamacare, was
Speaker 4: it easier to find insurance or harder?
Speaker 6: Depends dependent on your health, right, You're.
Speaker 4: Right, because there were pre existing conditions and all of that.
Speaker 7: But but certainly, yeah, processes are always complicated to a degree. So,
Speaker 7: but everything's online now, all the all the applications, everything, Okay.
Speaker 4: And uh, Dave, you have a question on selling a business, Dave,
Speaker 4: go ahead, Sir, Mark has sold a business or two.
Speaker 4: What's going on?
Speaker 14: Yeah, I've got a.
Speaker 11: Business I'm thinking about selling, and I was wondering if
Speaker 11: you could recommend a good business broker that.
Speaker 13: I could speak with.
Speaker 4: You may or may not need a broker. I just
Speaker 4: want to talk about the common football pitfalls of selling
Speaker 4: a business though in general. What is your what is
Speaker 4: your business? What kind?
Speaker 2: Uh?
Speaker 11: It's a crane business? A service, crane service?
Speaker 4: Oh okay? And is it a crane service for delivering
Speaker 4: stuff like hot tubs to houses? Or is a crane
Speaker 4: service for construction sites?
Speaker 13: Yeah?
Speaker 11: Construction?
Speaker 13: And how the yeah?
Speaker 4: Both just anything, just a crane service. And so again,
Speaker 4: these are these are just enlightening questions. I like to ask.
Speaker 4: Do you when you sell, will you be selling the
Speaker 4: mostly equipment or is their real estate involved?
Speaker 11: No real estate, There'll there'll be equipment.
Speaker 4: And the business book, okay, and the business book is
Speaker 4: it recurring?
Speaker 2: It is?
Speaker 11: Yes, sir, I've been in.
Speaker 4: How much of it is recurring? Because that's all they
Speaker 4: care about. How much of it is recurring?
Speaker 11: Oh like ninety plus percent?
Speaker 4: Oh, you got regular clients? That need crane service. That's good.
Speaker 4: What are your gross revenues?
Speaker 11: Oh, it'll be probably. I think we're at six hundred
Speaker 11: thousand this year.
Speaker 4: And what are your expenses?
Speaker 11: I don't have all that in front of me, Tom,
Speaker 11: I mean, are they are?
Speaker 4: I mean what I mean is, let's talk about equipment.
Speaker 4: How old is your equipment?
Speaker 11: I have some two two thousand and six machines and
Speaker 11: a twenty and fourteen machine.
Speaker 4: How long do they last?
Speaker 11: Oh? Forever? I have a ninety nine machine that I
Speaker 11: can I don't use.
Speaker 4: But what do they cost? Those machines?
Speaker 2: Oh?
Speaker 11: Like the twenty fourteen machine would be around a little
Speaker 11: over half a million.
Speaker 4: Now, okay, So your equipment altogether, if you added it
Speaker 4: up right now on a really fair price, what would
Speaker 4: your equipment be worth right now?
Speaker 11: Six hundred thousand?
Speaker 4: And your your your book of business is five to
Speaker 4: six hundred a year, Sir? Would you say your expenses are?
Speaker 4: Are are run on a thir.
Speaker 3: Yeah?
Speaker 11: I would say twenty five at the most.
Speaker 4: Mark, What do you think I was asking all these questions?
Speaker 4: What do you think, Mark? Now that you've heard all that,
Speaker 4: I don't know what he's looking for in the price.
Speaker 4: So let's just throw what I'm thinking though, I mean,
Speaker 4: is I'm just curious. Two million is what I was
Speaker 4: thinking with the equipment. But Mallory, my CPA of many, many,
Speaker 4: many many years, has lots of connections and has helped
Speaker 4: put together deals on lots of businesses, including some of
Speaker 4: the financing side of it, the valuation of the business,
Speaker 4: and then of course actually finding or knowing people that
Speaker 4: might want to actually buy the business.
Speaker 5: So I would give him as a suggestion. And then
Speaker 5: the other ones that can help you on a referral
Speaker 5: list is uh, the Retirement Center Tom. They they specialize
Speaker 5: in selling businesses as well.
Speaker 4: Yeah, rpcenter dot com OURP center.
Speaker 2: Thank you.
Speaker 4: Now, as far as you're business goes, though, were you
Speaker 4: thinking two million? I'm thinking a little more because the
Speaker 4: equipment is a half okay, and then but then excuse me,
Speaker 4: the equipment is about yeah, five or six hundred right now,
Speaker 4: you have you have about five or six hundred in
Speaker 4: a year and maybe twenty five percent expense. So if
Speaker 4: it's spinning off.
Speaker 5: Let's say you're doing I did basically three times in
Speaker 5: three years, he's gonna pull down about a half a million.
Speaker 4: That's what I assume and then the equipment.
Speaker 5: And that's where I got two million, three times earnings
Speaker 5: and then plus equipment.
Speaker 4: Okay, three times so time. But did you take into
Speaker 4: consideration the twenty five percent expense?
Speaker 2: Uh?
Speaker 5: No, I didn't, but I still think maybe around two million.
Speaker 5: What I I just don't know anything about that business.
Speaker 4: I just have no idea. But if he has a
Speaker 4: recurring book, how long has that recurring book been going on.
Speaker 11: I've been in business well over twenty years.
Speaker 4: Man, you got something good to sell? Man, I'm telling you,
Speaker 4: don't you have? Like, do you have any offspring that
Speaker 4: are interested?
Speaker 11: I was just gonna mention that I have a twenty
Speaker 11: seven year old son, but he does operate a machine
Speaker 11: forst does a fantastic job, really really good at it,
Speaker 11: know the customers, but has no interest in running the business.
Speaker 11: So and okay, wow, pushing pushing seventy So that's.
Speaker 4: Too bad, man, What a nice little cash flow situation.
Speaker 4: And that's a really nice business, Dave, You've built a
Speaker 4: really nice business, you know what you know? As far
Speaker 4: as brokers, yeah, that is probably something that's going to
Speaker 4: need a broker. Don't brokers charge about fifteen percent?
Speaker 2: Though?
Speaker 11: I think ten ten plus, Yeah, maybe maybe more. I'm
Speaker 11: not I'm not certain.
Speaker 4: Yeah, call up Mallory over at Smith and Levine. Okay, Yeah,
Speaker 4: here's a lady or a Mallory is an accountant? Is
Speaker 4: a man?
Speaker 12: Yeah, a man?
Speaker 11: I'm sorry, Okay, I'll give you well for sure, for sure.
Speaker 4: If you're approaching seventy, man, you better get out of business.
Speaker 4: You're just I don't even know how you can make
Speaker 4: it into the office every night.
Speaker 6: I get shot.
Speaker 4: I hear those kind of numbers.
Speaker 11: I'm I'm kind of like Tom. I'm get me on
Speaker 11: the proco ball court.
Speaker 6: Let's go.
Speaker 4: Yeah, let's have fun anyway, Okay, Dave, I hope that helps.
Speaker 4: But Mallory's a good source to start. And then Rpcenter
Speaker 4: dot com Retirement Planning Center of the Rockies is not bad.
Speaker 4: Three all three seven one three tong seven one three
Speaker 4: eight two five five. And we do have our guests
Speaker 4: with us from Integra Insurance about health insurance. And someone
Speaker 4: wants to know about group plans. Do you guys do
Speaker 4: group plans for businesses?
Speaker 6: We do small group.
Speaker 4: So what is a small group?
Speaker 6: Typically under fifty employees?
Speaker 4: Under fifty Oh, that's pretty large. Okay, So larger than
Speaker 4: that are different kinds of brokers.
Speaker 6: Yes, sir. Okay, now who focus on those larger groups, Yes, sir?
Speaker 4: On these smaller plans, what's the big hang up? In
Speaker 4: other words, is it cheaper to get a group plan
Speaker 4: or to allow or do you have to do you
Speaker 4: have to You don't have to provide insurance, right.
Speaker 6: Not for if you have less than fifty employees, you don't, not.
Speaker 4: Less, but you can as an approach as a way
Speaker 4: to attract and keep employees, right sure, okay, with group plans,
Speaker 4: This is my question, not to Texters, they wanted to
Speaker 4: know if you did it. I want to know this.
Speaker 4: Are employers always obligated to kick in a portion?
Speaker 7: It's certainly recommended, but again under a under fifty No,
Speaker 7: But if you're offering it, you should.
Speaker 6: There's no point in you offering it if you're not contributing.
Speaker 4: You don't get discounts because of a group No.
Speaker 7: Actually, in Colorado, and it does vary by state, but
Speaker 7: in Colorado, group premiums in pretty much every rating area
Speaker 7: are higher than the individual and family market.
Speaker 6: So there are other options as well.
Speaker 4: Yeah, you could do something for your employees, like an
Speaker 4: allowance for it well, so there is something called an EKRA.
Speaker 7: It's called an individual coverage Health Reimbursement arrangement.
Speaker 4: Oh, that's cool.
Speaker 6: That allows you to contribute pre tax just like a group.
Speaker 4: I can contribute pre tax to an employee.
Speaker 7: Well, yes, for them to go shop the individual market.
Speaker 7: But there's still a lot of there's there's a lot
Speaker 7: to that and documentation and all of those things regulation
Speaker 7: as well.
Speaker 4: But the business gets to give pre tax money to
Speaker 4: their employee to reimburse them. Yes, sir, that's a pretty
Speaker 4: cool plan. I mean, especially if group plans are more expensive,
Speaker 4: why would you ever do a group plan? I don't
Speaker 4: get that.
Speaker 7: Well, so the group market allows you PPO options, so
Speaker 7: a network of doctors and hospitals that is nationwide, where
Speaker 7: you don't have that option on the individual market. And
Speaker 7: so for for a lot of groups, that's an important
Speaker 7: benefit is to be able to have that PPO nationwide network. Okay,
Speaker 7: so that's really I mean, that's that's one of the
Speaker 7: big difference.
Speaker 4: The group plans are the ones that truly take advantage
Speaker 4: of the PPOs.
Speaker 6: Yes, sir, there are no PPO options on the individual Hey, Mark.
Speaker 4: Let me bring you up here.
Speaker 5: Are you still on Kaiser yeah, I've had Kaiser actually
Speaker 5: through Integra for god Man, I don't know how many years.
Speaker 5: And then prior to that, when I owned the Good Years,
Speaker 5: we had around fifty employees and I had Kaiser for
Speaker 5: my employees, and then prior to that, I had Kaiser
Speaker 5: through my computer stores. I've had Kaiser for probably twenty years.
Speaker 4: Okay, Anyway, I think you had a love hate relationship
Speaker 4: for a while. Sometimes you love them, sometimes you don't.
Speaker 5: The worst part I ever ran into with Kaiser, the
Speaker 5: worst thing. I mean, I've had some I don't want
Speaker 5: to say I've had some issues, but I dig not
Speaker 5: everything goes great. But the biggest issue I had was
Speaker 5: during COVID, how they wanted to cram those shots into
Speaker 5: you more than any doctors I ever. I mean, you
Speaker 5: couldn't even wake up without getting a text from them
Speaker 5: to get in and get your shot before you die.
Speaker 4: They were so heavy duty on that stuff. It was
Speaker 4: just so overboard. It was crazy. By the way, Mark
Speaker 4: being on Medicare right, so you would not believe the
Speaker 4: emails Medicare sends out to seniors on on on this vaccine.
Speaker 4: My god, are they just like it's like every day
Speaker 4: you're getting hounded.
Speaker 5: There's everybody people, everybody I know, and I think not
Speaker 5: this year, but last year you fell into this. That's
Speaker 5: got that double vaccine you have advertised where you get
Speaker 5: the flu in the COVID at once.
Speaker 4: Including deputy doc. It knocks there in the dirt. I mean,
Speaker 4: it just didn't. I've never had that double thing.
Speaker 2: I know.
Speaker 4: No, no, no, I thought you did. Last know. The
Speaker 4: thing that knocked the hell out of me was I
Speaker 4: had the the shingrits, the pneumonia and the other. There
Speaker 4: were three things. They were just as you get older.
Speaker 4: I guess no moment you knocked them all out. Oh yes,
Speaker 4: well no, no, what's that one? Oh yeah, that's right,
Speaker 4: the respiratory thing. You're right. I had those three and
Speaker 4: couldn't get out of bed the next Oh man, uh yeah,
Speaker 4: that was something. Okay, we got to take this quick
Speaker 4: break three O three seven on three A two five
Speaker 4: five go with a sure thing Denver's Best roofer Excel
Speaker 4: roofing dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call compass insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out Now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two Time three seven
Speaker 4: one three Talk three oh three seven to one, three
Speaker 4: eight two five five eight eight eight Heating dot Com.
Speaker 4: Remember for the UH forty five dollars Deep Clean eight
Speaker 4: eight eight heating dot Com. I want to remind you
Speaker 4: of them. They're good people and this is the time
Speaker 4: of year to get things fixed. So we have Integra
Speaker 4: Insurance with us and we're taking your problems, questions and complaints.
Speaker 4: And uh Kachina, let's talk about uh Jeffy Lube. I
Speaker 4: want to go back to that. In the beginning of
Speaker 4: the show here it was UH soil.
Speaker 16: Change Gear Oil change Gearmo Diaz called in and he
Speaker 16: had an issue with Jeffy Lube, and he gave me
Speaker 16: two numbers, one to the local manager of the Jiffylube
Speaker 16: that he was at and then one to the district
Speaker 16: regional manager. So I talked to both of them, and unfortunately,
Speaker 16: because of corporate responsible and things like that, they were
Speaker 16: not able to come on the show, but they do
Speaker 16: say that there is a motor. They want to change
Speaker 16: out the motor because they realize that they did do
Speaker 16: damage and they're willing to do that. But unfortunately Geirmo
Speaker 16: has not answered them back.
Speaker 4: He said he hasn't heard from that.
Speaker 5: Well that's kind of funny because he's saying the same thing.
Speaker 5: I mean, that's ridiculous.
Speaker 4: So so saying he hasn't heard from.
Speaker 16: Them, right, So I left a message for Girmo back
Speaker 16: and I have not heard anything back yet.
Speaker 6: But that's the update on that.
Speaker 14: Hmm.
Speaker 4: Interesting. Okay, sod did we call him back? Did you
Speaker 4: say you were trying to call him back to tell.
Speaker 16: Him I loved him a message.
Speaker 4: I'm trying me just all right, that's good. Look at
Speaker 4: he ought to call and say, look, I was told
Speaker 4: you're going to take care of this, so take care
Speaker 4: of it please. Okay, and let me go back to
Speaker 4: let me go back to my texts. Okay, this guy
Speaker 4: said what do you do about this? To my fellow neighbors.
Speaker 4: This is a posting that he copied on our text.
Speaker 4: I wanted to make you aware of three oh three
Speaker 4: Roofing and Construction Now, did we have a problem with them?
Speaker 4: Three oh three? I believe we did. Let's go into
Speaker 4: our memory base anyway, three oh three Roofing and Construction
Speaker 4: and Josh Sandoval absolutely I remember this, okay. He requested
Speaker 4: ten thousand dollars upfront to begin work on my roof Now,
Speaker 4: of course I negotiated a five thousand dollars down payment.
Speaker 4: So this person thought they were protecting themselves. It's been
Speaker 4: three months and not heard a word. That is just
Speaker 4: goes to show you people don't put a penny down
Speaker 4: with roofers, do you hear me? Not a penny with roofers.
Speaker 4: Josh Sandoval is a scumbag with three to zero three roofing.
Speaker 4: So that is coming in through my text, and you know,
Speaker 4: here's what pisses me off. These are clear violations of
Speaker 4: the Contractor's Trust Act, which is meant to be civil
Speaker 4: but then criminal. We have this justin what's his name,
Speaker 4: that Jerk Gustin justin Garcia, and who's been now I
Speaker 4: know Bo's been doing. Were you the one in touch
Speaker 4: with the El Paso No, it was Bo with a
Speaker 4: Passo District attorney.
Speaker 6: That was Bo.
Speaker 17: I was in touch with the Colorado Attorney General's office
Speaker 17: and the police department.
Speaker 4: Now the El Paso County won't do anything a Passo
Speaker 4: County because they say that it's a civil matter, and
Speaker 4: they're full of crap. It can be a civil matter
Speaker 4: if it was a simple contract matter. But this is
Speaker 4: where the guy stole from her completely, sixty two thousand dollars.
Speaker 4: He's a liar and he's a thief. He's a liar
Speaker 4: and a thief Justin Garcia. He's a liar and a thief,
Speaker 4: and I want to give out his information. I'm trying
Speaker 4: to find it here on our call screener. But man,
Speaker 4: I'm telling you, this guy is just such a scumbag. Okay,
Speaker 4: here he is. In June of twenty twenty three, she
Speaker 4: contracted for a custom built for a custom build on
Speaker 4: a cabin. Okay, she wanted to have this cabin put
Speaker 4: on her property. She contacted the company and bought the cabin,
Speaker 4: but then went to Justin Garcia and paid him sixty
Speaker 4: two thousand dollars down two years ago. He's never done
Speaker 4: a liquor work, period, not one liquor work. Sixty two
Speaker 4: thousand dollars and this stupid moronic El Paso County District
Speaker 4: Attorney is just sluffing it off, saying, oh, that's a
Speaker 4: civil matter. You know what it means when they say
Speaker 4: it's a civil matter. Well, sometimes it is a civil matter,
Speaker 4: but most of the time it means I'm on the
Speaker 4: public dole, I'm sitting on my ass and I don't
Speaker 4: want to do anything that really helps people. That's what
Speaker 4: it means for al Paso County District Attorney. Now, has
Speaker 4: anyone questioned the al Paso County District Attorney and said,
Speaker 4: could you give us your reasoning on the air? Can
Speaker 4: we do that?
Speaker 11: Bo?
Speaker 4: I know bo is probably listening today. Let's do that,
Speaker 4: because that really sucks that they This is a clear
Speaker 4: violation that money was not put into trust. Now, when
Speaker 4: you have violations of the Contrastors Trust Act, yes, it's
Speaker 4: civil when it is person to person, but when they
Speaker 4: do something so blatant, it can become criminal and prosecutable.
Speaker 4: Unless you're in al Paso County. I don't underst stand
Speaker 4: them at all. It was al Paso County though, right,
Speaker 4: that was the one she was dealing with.
Speaker 6: That's the email that I saw from BO.
Speaker 4: I'm just really pissed off. I saw the email to
Speaker 4: they won't help. Is the state Attorney General going to help?
Speaker 17: Well, apparently they had a meeting with Phil Weisner himself
Speaker 17: a few days ago in this matter, and they haven't
Speaker 17: told me what, if anything, they're going to do. They
Speaker 17: just asked me to kind of stand by, and the
Speaker 17: AG's office said that they'll get back to me.
Speaker 4: This is a sixty two thousand dollars theft from an
Speaker 4: elderly woman, sixty two grand. This is why we need them.
Speaker 5: This is why we need more people like George Brockler
Speaker 5: that are actually hard on real crime. I don't care
Speaker 5: if it's economical, because here's the bottom line. Sixty three
Speaker 5: thousand dollars could be that person's entire life, entirely it is.
Speaker 17: It is ray the last of her money. She's old, broke, lonely,
Speaker 17: and scared.
Speaker 5: These liberal das should get their head out of their
Speaker 5: asses and prosecute these contractors like this guy.
Speaker 4: Yeah, it's it's really terrible, It really is.
Speaker 5: You know, when Florida they take these guys down, they would, Man,
Speaker 5: they don't mess around and with contractors.
Speaker 4: In Florida, No Mark, not only that, listen to this
Speaker 4: in Florida when it's a felony over a certain amount
Speaker 4: of money, I think a thousand or two whatever. If
Speaker 4: you have three of them, there are actually contractors sentenced
Speaker 4: to life life. You know they had. It wasn't long ago.
Speaker 4: I think it was a week ago. After the hurricane.
Speaker 5: They came out and the one sheriff maybe it was
Speaker 5: a governor or himself said, you know, you loot, we shoot,
Speaker 5: And they're not kidding.
Speaker 6: God.
Speaker 4: You know again, it's an election year, people are going
Speaker 4: to vote. Just remember where crime is rampant and where
Speaker 4: crime is not. How about that one just going by
Speaker 4: crime itself, you know, just think about that three oh
Speaker 4: three seven one three talk.
Speaker 5: It's it's a sad place we're at when it comes
Speaker 5: to crime. It's hard to believe that we have such
Speaker 5: political differences at one side, like thinks crime is fine.
Speaker 5: If you can shoplift anything you want under a thousand bucks,
Speaker 5: no problem.
Speaker 4: Will cut you out.
Speaker 5: You can beat up cops cops in New York City,
Speaker 5: kick them in the face, do all this stuff, and
Speaker 5: they let you out on bail.
Speaker 4: I mean, how about with zero mo Colorado you can
Speaker 4: steal cars?
Speaker 5: Oh my god, we were the worst, the worst with
Speaker 5: car staffs because our governor, everybody out there listening, less
Speaker 5: than three weeks to go for just please, please, for
Speaker 5: God's sake, just think of the crime. I've lived here
Speaker 5: thirty years. It used to be a pretty nice damn place.
Speaker 4: Well.
Speaker 15: You know what's really scary, guys, if you ever watch
Speaker 15: some of the hearings on YouTube of the Republicans questioning
Speaker 15: the Democratic nominees for circuit and federal court judges, you
Speaker 15: will be sixty a stomach about some of the judges
Speaker 15: that are being put on the bench.
Speaker 14: It is absolutely disgusting.
Speaker 5: That goes on both sides. For sure, we got some.
Speaker 5: There's some crazy white wing, right wing judges.
Speaker 4: They're not like these.
Speaker 14: They won't. They actually gave a list of all.
Speaker 5: Times doctor crime. Stuff's incredibly bad. I don't even know
Speaker 5: how they do it. Yeah, but somehow, how do you
Speaker 5: look at how do you look at cop or or
Speaker 5: anybody that got the crap beat out of them by
Speaker 5: some gang member that they arrested. How do you look
Speaker 5: them in the eyes when you don't even charge them
Speaker 5: for bail and cut them loose and then they do
Speaker 5: it again. How do you look at the next victim?
Speaker 5: It's remarkable, I know, and then hold on now, no wait,
Speaker 5: I want to say one more thing. When it comes
Speaker 5: to Colorado, you know, they want to make it sound
Speaker 5: like this Aurora complex.
Speaker 4: Oh, Trump's just making it up. I saw the video.
Speaker 5: Does anybody doubt there weren't people with high capacity weapons
Speaker 5: that when I related to a gang walking around.
Speaker 4: Mark Mark Mark, I just watched next on Denying News
Speaker 4: and Denying News says it didn't happen. It's crazy. It's
Speaker 4: like the lady actually made up the video.
Speaker 5: By the way, the lady that got that video was
Speaker 5: at the rally last week and she came.
Speaker 4: Up and talked with Trump. Did you see and then
Speaker 4: and then then the mayor did you wait to say
Speaker 4: a discussion with Vance on on the one show where
Speaker 4: where the woman was hollowed, they changed the answer no, no, no, no,
Speaker 4: talk about where Vance and and this blonde woman, I
Speaker 4: forget who she was. She was saying, you know, we
Speaker 4: looked into that Aurora, Colorado apartment house thing, and it
Speaker 4: was sadly exaggerated. Here's what she said, only a handful
Speaker 4: of apartment. How As we're taken over and the cent
Speaker 4: Aurora police dealt with it, and he says, excuse me
Speaker 4: in the United States of America. You're saying that's not
Speaker 4: a problem, that only a handful of apartment houses were
Speaker 4: taken over, and Donald Trump is the problem.
Speaker 2: You know it was.
Speaker 4: It was such an amazing exchange, and uh, of course
Speaker 4: that's nothing you're going to see on denying News. Anyway.
Speaker 4: We got more coming up on the Troubleshooter Show. Go
Speaker 4: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 4: Insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three all three seven seven to
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three three nine two
Speaker 4: zero sixteen twenty two. Hi Tom Martino, you're Troubleshooter three
Speaker 4: O three seven one three talk three oh three seven
Speaker 4: one three eight two five five. Welcome to the show. Okay,
Speaker 4: so let me grab some texts here and we're going
Speaker 4: to first go to Grandmo Garamo, who had the problem
Speaker 4: with the contractor. Let's go here. Okay, so do we
Speaker 4: have an update on oh oh, on the uh on
Speaker 4: the jeep? Grandma, what's going on?
Speaker 18: Hey, good afternoon, Tell Latin, how are you good?
Speaker 4: What's happening? Oh? This is a new this is a
Speaker 4: new one. I'm sorry. I thought this was a follow up.
Speaker 4: I'm sorry. This is about a roofer correct, Okay, what's
Speaker 4: going on?
Speaker 2: Well?
Speaker 18: I guess basically, uh, you know, three months down the road.
Speaker 18: I gave him a check on July second week, we
Speaker 18: went under contract. On June twentieth. We signed a contract.
Speaker 18: We have all the documentations. I gave him a check
Speaker 18: of five thousand dollars.
Speaker 4: Now is this the and which one is this? Is
Speaker 4: this the one I was reading about?
Speaker 18: Yes, I just called him a little bit ago. His name,
Speaker 18: his name is Josh dand the ball.
Speaker 4: Yeah, we've had three oh three and he's using someone
Speaker 4: else's contract. Now, as as I remember, what, didn't three
Speaker 4: to oh three tell us that this Josh Sandoval had
Speaker 4: nothing to do with them? I thought that's what they
Speaker 4: told us. Yeah, hold on, here's the one I have.
Speaker 4: Here's the one I have.
Speaker 2: Uh?
Speaker 4: Kayla called us about three oh three roofing and Construction
Speaker 4: LLC and Josh Sandoval and Josh Sandoval is at seven
Speaker 4: to zero three two zero eighty three eighty seven Unit
Speaker 4: one on Yukon Street in Denver. She paid six grand
Speaker 4: up front. He never came back. The company three zero
Speaker 4: three Construction Roofing into Constructions say they don't even know
Speaker 4: the guy and have nothing to do with him. Apparently, yeah,
Speaker 4: he is using someone else's contract.
Speaker 18: From my understanding. From that, there's a guy by his
Speaker 18: website's like legit and stuff. His name is the three
Speaker 18: or three Construction, But this guy has a I don't
Speaker 18: know if if it's a stake contract or documentation that
Speaker 18: he's using by he's going by the name of three
Speaker 18: O three Roofing and Construction. I did call Brian Moore,
Speaker 18: which is the owner of that three yo three construction company,
Speaker 18: and he gave me some information that this person Josh
Speaker 18: a found the wall is using his contract contract illegally inofense.
Speaker 18: I'm not sure if he's submitted paperwork or called the
Speaker 18: deputies or any.
Speaker 4: How long ago did you pay him? How long ago?
Speaker 18: Dave him a check July second, a check of five
Speaker 18: thousand dollars and he said with him that sign from
Speaker 18: you know, because of the catastrophic event that happened in
Speaker 18: the Thornin area that we would be looking at between
Speaker 18: two to three weeks for installation, which was fine, you
Speaker 18: know at the end of that, and you never.
Speaker 4: Heard from a mcganbal and you never heard from him again.
Speaker 18: I have, but he's like he stocked contacting me the
Speaker 18: communication at all. I've called the deputies. They can't really
Speaker 18: do anything. They all they just guess is bring a
Speaker 18: small claims court. But I just think it's wrong, disper
Speaker 18: Why is it?
Speaker 4: Why is it that law enforcement will not get involved
Speaker 4: with people who outright steal money like this? Why is it?
Speaker 4: I mean, really we have to start. We really need
Speaker 4: to contact some people with the local district attorney's offices
Speaker 4: and talk to them. This is getting to be epidemic.
Speaker 18: And I would just feel horrible if this comes to
Speaker 18: tap into an olderly you know people, or anybody over
Speaker 18: on general. It's nonsense that this person is doing this.
Speaker 18: He's you know, not communicating that with me at all.
Speaker 18: And you know the thing is that his ex wife
Speaker 18: referred to him to me. That's that's how I kind
Speaker 18: of like trusted him a lot. More is because his
Speaker 18: ex wife is a friend of mine, but these stopped
Speaker 18: communicating with her at all. She tried to help out,
Speaker 18: Like he's just being picking it very personal off this point,
Speaker 18: he's you know, just rude overall. Doesn't have to take
Speaker 18: accountability at first. He's giving me excuses after excuse of
Speaker 18: like contractors of contractors doesn't take accountability.
Speaker 4: It's a scam ability, it's a scam. It's just let's
Speaker 4: just call it what it is. It's a scam factor.
Speaker 18: Yeah, and unfortunately, you know, three months, you know, now
Speaker 18: it's already like four months that have been in contract
Speaker 18: with him, and no mindy with just those five hundred
Speaker 18: dollars se number turn he sent him a threat check
Speaker 18: cashier's check. But now it's going to be more of
Speaker 18: a hassle for him to pay me those additional nine
Speaker 18: payments because he posted on the in the memo that
Speaker 18: this is the first payment of ten payments, which is,
Speaker 18: we didn't agree to this to return my money this way,
Speaker 18: and it's just he's a camera.
Speaker 4: Wait, has he given away did you say he gave
Speaker 4: you some money back?
Speaker 18: He'd spent a check of five thousand dollars to my
Speaker 18: home address. I'm sorry, five hundred dollars.
Speaker 4: Sorry, that's my fault, and said he would pay you
Speaker 4: in five So wait, was it a good check?
Speaker 18: I did was able to pass it. But the thing
Speaker 18: is that me and him did not come in agreement
Speaker 18: to this.
Speaker 4: No, no, I understand this, but I just want to know.
Speaker 4: I want to give credit where credits due. He did return.
Speaker 4: I'm not saying that's the greatest thing in the world,
Speaker 4: but he returned five hundred.
Speaker 14: Bucks corrupt five dred dollars yet, and.
Speaker 4: He promises to return more. I want to call him.
Speaker 4: Who's we had bow handling? This bow isn't here today?
Speaker 4: Is he? Because we had both?
Speaker 2: Tom? Huh.
Speaker 14: I'll give him a call.
Speaker 4: Yeah, we had that number. Did you get his number?
Speaker 4: I have his number? You probably Germot has his number two.
Speaker 4: Talk to him off the air. Three oh three seven
Speaker 4: one three eight two five five. Go with a sure
Speaker 4: thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 4: pay a cent until you're content. Time for an insurance
Speaker 4: check up, free no obligation comparison call Compass Insurance paying
Speaker 4: too much your coverage at dozens of insurance companies find
Speaker 4: out now three oh three seven seven to one. Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino here three O three
Speaker 4: seven one three talk seven one three eight two five five. Okay,
Speaker 4: so Berta, what's going on with American Airlines?
Speaker 21: Well, my husband, my grandson, and I purchased tickets for
Speaker 21: a trip on American Airlines, but we had to cancel
Speaker 21: because my grandson got COVID and they said, okay, we
Speaker 21: can't return your money, but we'll give you trip credits
Speaker 21: and we said okay, and it was good for a year,
Speaker 21: which expired May twenty twenty four. In May twenty seventh. Actually,
Speaker 21: during that time, we were trying to figure out when
Speaker 21: we could go on this trip with my grandson being
Speaker 21: in college and whatnot. That he ended up having job surgery,
Speaker 21: had to delay it. My husband had back surgery.
Speaker 4: Yeah, but what happened to the what happened to the deadline?
Speaker 21: Well, then when the deadline was coming up, I was
Speaker 21: making plans with the reservation person and I thought it
Speaker 21: was expired. Me thirty first and it was May twenty seventh,
Speaker 21: and when I called on.
Speaker 4: Major, I mean you, I mean three days.
Speaker 21: Well I did because of all this surgery recovery time.
Speaker 4: That we mart hold on, let me take you up
Speaker 4: and see what's gonna go on. She was talking to
Speaker 4: him at the time. Went right over the day. We'll
Speaker 4: see what happened. So stick around. I'll come to you,
Speaker 4: and Frank I'll get you as well. We also have
Speaker 4: Integrainsurance dot com. I'm Tom Martino three oh three seven
Speaker 4: to one three talk or three oh three Martino three
Speaker 4: oh three six two seven eight four sixty six. Go
Speaker 4: with a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content of time
Speaker 4: for an insurance check up, free no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate Man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two.
Speaker 2: Ripped up needed by So you don't have come running
Speaker 2: just as fast as we can.
Speaker 1: Shooter's gonna help come.
Speaker 3: Man Dix is the Troubleshooter Show now, don Martine.
Speaker 4: Hey, welcome to the show. Three oh three seven one
Speaker 4: three talk seven one three eight two five five. Let's
Speaker 4: talk to you about life, liberty and the pursuit of happiness.
Speaker 4: And we have Mark standing by as you'll see him
Speaker 4: right there, and we are here to solve problems. You'll
Speaker 4: see in my studio here. I got Integrat Insurance for
Speaker 4: talking about buying insurance because it is open enrollment and
Speaker 4: I want you to join us for that and you
Speaker 4: can ask any questions you want about buying health insurance.
Speaker 4: It's very important. And also this how are brought to
Speaker 4: you by Wave eight Wealth Management. As I announced yesterday,
Speaker 4: I had started that finance company financial advisement company for
Speaker 4: a reason. I was sick and tired of the industry,
Speaker 4: and I did it selfishly six years ago for myself,
Speaker 4: and then became officially registered with the Securities Division the
Speaker 4: other day. Officially. We've been working on this for six
Speaker 4: years and we have a private fund and other things.
Speaker 4: One hundred percent of my investable money is here with
Speaker 4: my own company and I would never do anything that
Speaker 4: I don't do personally. And we are opening it up
Speaker 4: for a limited number of clients three all three seven
Speaker 4: seven one help seven seven one four three five seven.
Speaker 4: That's seven seven one help, three oh three seven seven
Speaker 4: one help. The website is w eight WM dot com
Speaker 4: or you can spell it out Waveightwealthmanagement dot com. By
Speaker 4: the way, just as an aside note here in general,
Speaker 4: I just want you to know that probably ninety eight
Speaker 4: percent of every single so called financial advisor you will
Speaker 4: come up against. And I'm not saying they're doing a
Speaker 4: bad job even I'm just saying ninety eight percent of
Speaker 4: them are middleman and do not invest your money. They
Speaker 4: actually just put you with a broker dealer and make
Speaker 4: a spread.
Speaker 13: That's right.
Speaker 4: So if you want that, that's fine. If you're doing well,
Speaker 4: I'm never going to tell you, you know, one thing
Speaker 4: is better than another. There's the only proof is in
Speaker 4: the pudd in. So welcome, and we have Major Mark
Speaker 4: Major on camera with us. If you're joining us by YouTube.
Speaker 4: We also have John and we have some questions about
Speaker 4: health insurance and they want to know something about Medicaid.
Speaker 4: Do you help people if they call you, if they're
Speaker 4: eligible for Medicaid? What do you do for those people?
Speaker 4: In other words, if they're not sure they're eligible and
Speaker 4: you find out they are, what do you do.
Speaker 6: We'll direct them to people who can help them best.
Speaker 7: And so we'll provide the information that they need to
Speaker 7: connect with people who can help them best on the
Speaker 7: medicaid side of things.
Speaker 4: And are they government people okay? Do they do a
Speaker 4: pretty good job, sir? Okay? And Medicaid I just want
Speaker 4: to get this out is predicated not on what you own,
Speaker 4: but what you make.
Speaker 6: Well depends, well, tell me what you're talking.
Speaker 7: There's different And again I'm not a medicaid expert. In
Speaker 7: some well, medicaid expert. But for medical for health care,
Speaker 7: it is based on your modified adjusted gross income, okay.
Speaker 7: But for other things, whether it's cash assistance, food assistants,
Speaker 7: things like that, they do take into account assets. But
Speaker 7: for health care, if you're applying for health first Colorado
Speaker 7: for health care, then it is based simply on your
Speaker 7: modified adjusted gross income.
Speaker 4: Okay, So you're modified adjusted income. Do you know what
Speaker 4: that is? By any chance?
Speaker 7: Well, so I do recommend you talk to a CPA.
Speaker 7: I recommend all my clients if you have a good
Speaker 7: CPA because there are you and get into some weeds
Speaker 7: with that. And I'm not certified to advise someone of
Speaker 7: their taxable income, but uh, it's your adjusted gross.
Speaker 6: But then you add back in other times like non taxable.
Speaker 4: Social Security amount. Do you know the amount, oh.
Speaker 7: For someone to be eligible for Medicaid? Well, it depends
Speaker 7: on your household. If you're if you're a single individual,
Speaker 7: then it's it's a it's around twenty one thousand, it's
Speaker 7: and Health First Colorado has this listed on their website
Speaker 7: as well. What's you you know what those incomes are and.
Speaker 4: It's called health First Colorado.
Speaker 6: Yes, sir, that was rebranded our medicaid was rebranded to that.
Speaker 4: All right? Three oh three seven one three talk seven
Speaker 4: one three A two five five. So what follow ups
Speaker 4: do we have as far as far as uh, Mark,
Speaker 4: you mentioned something that I was curious about. What's that is?
Speaker 4: Is Brockler running for office again? George, I'm pretty sure
Speaker 4: he is. Did you say to me three?
Speaker 6: He was?
Speaker 17: Yeah, we had I think it was Brad O. Bryan
Speaker 17: a few weeks ago who mentioned that there's a newly
Speaker 17: created district and Broccolar is running for office over there
Speaker 17: because he's not term limited out in that new district.
Speaker 4: Yeah, because he was term limited in his last one.
Speaker 4: Mm hm. And so what district is that it's?
Speaker 5: I know it incorporates like Aurora, I think Aurora or
Speaker 5: a Rapo and whatever Elizabeth's in.
Speaker 4: I don't know what Elizabeth it's. I don't think it's Elpaso,
Speaker 4: is it? Maybe? I don't know. The one thing that
Speaker 4: really bothers me is is the downplay that consumer and
Speaker 4: white collar crime gets. It's just outrageous to me how
Speaker 4: many contractors are not prosecuted. I mean, I mean truly,
Speaker 4: I'm talking about people just steal money. I mean, I mean,
Speaker 4: on what planet is that okay to steal money? You
Speaker 4: can't do it. It's just wrong. And I'm gonna I'm
Speaker 4: gonna bring this up and bring it up and bring
Speaker 4: it up. We have so many of them, so many
Speaker 4: of them. The number one it just this justin Garcia
Speaker 4: just takes the cake for sixty two thousand dollars outright theft,
Speaker 4: outright theft. Now have we tried calling him recently, by
Speaker 4: the way, because I think people this guy, he is
Speaker 4: such a thief and he openly is stealing and you know.
Speaker 4: Here's the thing. Here, here's his number. Let me give
Speaker 4: us number out Do we have it?
Speaker 6: Yeah?
Speaker 4: Here's wait a minute, where is oh hey real seven
Speaker 4: one hold on seven to one nine five seven one
Speaker 4: zero four three seven justin Garcia seven to one nine
Speaker 4: five seven one zero four to three seven. He also
Speaker 4: has a company now called U What is that one
Speaker 4: that that architect plays in? Eight innate?
Speaker 17: So I'm on their website now. They removed him from
Speaker 17: their website. He wasted as owner without a photograph and
Speaker 17: the copy.
Speaker 6: Was in Greek, so he was the only one there Greek.
Speaker 17: Yeah, you know it's web designers use Greek copy as
Speaker 17: a placeholder for Yeah. So everybody Innate has their photograph
Speaker 17: and the few paragraphs about themselves, but he had a
Speaker 17: blank photograph. He had Greek and next to the Greek
Speaker 17: had said owner. And now I'm on their website right
Speaker 17: now he's gone from that website where he had himself removed.
Speaker 4: So Mark, what were you going to say?
Speaker 5: Brockler is actually going to be Douglas Elbert in Lincoln
Speaker 5: County and it's called the twenty fifth Judicial District.
Speaker 4: They broke up. They used to be Tri County, right
Speaker 4: or no, No, was it called Tri County.
Speaker 6: No, it's the health department that broke up.
Speaker 4: Yeah, that's right to tell me. They were in the
Speaker 4: eighteenth and now they created a new one. And because
Speaker 4: the rap hole was excuse me, da Albert was thrown
Speaker 4: in with a rap hole one time, right, Douglas A.
Speaker 4: Rappo and Albert?
Speaker 18: Was it or not?
Speaker 13: No?
Speaker 10: No?
Speaker 2: No?
Speaker 4: What?
Speaker 13: Well?
Speaker 4: I don't know, but now it's going to be Douglas
Speaker 4: Albert and Lincoln. Douglas Albert and Lincoln. Okay, Now we
Speaker 4: all had questions and we thought we answered it on there,
Speaker 4: but we didn't. We were talking about it off the air.
Speaker 4: Somebody asked about the penalty on health insurance. There is
Speaker 4: no penalty anymore. But that's a long and sordid detail.
Speaker 4: So technically there is a penalty, but it's zero because
Speaker 4: the penalty was challenged by law, but the Supreme Court
Speaker 4: did not hear the case. Is that right, correct?
Speaker 6: Yeah? Supreme Court just tossed it out.
Speaker 4: And so with why they said no standing.
Speaker 6: Standing brought it? I don't remember.
Speaker 7: Okay, I think somebody in California maybe, I'm not sure.
Speaker 7: So so during the prior administration, the Trump tax cut,
Speaker 7: they just reduce the penalty to zero dollars, and so
Speaker 7: that's at least here through twenty twenty five.
Speaker 4: Okay, zero dollars. So instead of because it wasn't challenged,
Speaker 4: what they did was they reduced it to zero. When
Speaker 4: that expires in twenty twenty five, what expires the tax
Speaker 4: cuts do well?
Speaker 6: The Trump tax cuts are twenty five, correct, so it's.
Speaker 4: Part of that will happen. What will happen then to
Speaker 4: the penalty will go back to them?
Speaker 6: I can't tell. I mean, I guess we'll see what
Speaker 6: Congress does this next year.
Speaker 4: All right, three oh three seven one three talks seven
Speaker 4: one three eight two five five. So there is a
Speaker 4: penalty of zero. It could go back when tax cuts expire.
Speaker 4: Of course, a lot has to do with what happens
Speaker 4: in the presidential election, and so god, that's anyone's guess
Speaker 4: at this point. Three oh three seven one three talk
Speaker 4: seven one three eight two five five. Okay, now listen
Speaker 4: to this. We were thrilled. I was just telling my
Speaker 4: hobby about the Tom Martino list and cannot begin to
Speaker 4: explain how delighted I was to find you streaming on YouTube.
Speaker 4: My mom would have been so excited, lol, Okay, by
Speaker 4: the way, so it says here Albert County, Douglas County. No, no,
Speaker 4: it's not Elbert and Douglas the twenty fifth it that's
Speaker 4: very easy to look up. But anyway, let me go
Speaker 4: back to the phone squake, Berta, what's going on with
Speaker 4: American Airlines? Go ahead, Berta.
Speaker 21: I talked to you. I had trip credits that they expired,
Speaker 21: and I wanted to know if you were your customers
Speaker 21: or your clients. They said, then he had luck with
Speaker 21: getting them reissued.
Speaker 4: You know what if okay, there is a deadline on those, but.
Speaker 2: We have not.
Speaker 4: I think we had one case where it was a
Speaker 4: voucher that expired. Was this a voucher or just a
Speaker 4: trip credit? How would did you get this.
Speaker 21: Credit because we had to cancel a flight?
Speaker 4: No? No, I mean how was it conveyed to you
Speaker 4: the credit?
Speaker 21: I'm thinking it might have been a voucher. I will
Speaker 21: have you see, I didn't know there was a difference
Speaker 21: with vouchers and trip credits.
Speaker 4: Well, some people put if you have an online account,
Speaker 4: you have trip credits, and sometimes they can be given
Speaker 4: to your account. Other times people get an actual voucher.
Speaker 4: It's email to them.
Speaker 21: Well, this is there was a number of a voucher
Speaker 21: emailed to us, not the physical one, and that voucher,
Speaker 21: that number won't work anymore.
Speaker 11: It's expired.
Speaker 4: So that's what Okay, that is a voucher. That is
Speaker 4: a voucher. So here's what I want to ask you.
Speaker 4: Did you call them and explain to them, like when
Speaker 4: it was the twenty seventh or when you were on
Speaker 4: the phone with them and it was about to expire?
Speaker 4: What did you say to them?
Speaker 21: I told him I had vouchers, that we were getting
Speaker 21: ready to plan the trip and we were going through that.
Speaker 4: And what did they say.
Speaker 11: That At that time?
Speaker 21: It was fine. They didn't say, hey, you got to
Speaker 21: make the reservation today, But did.
Speaker 4: You know that it expired in two or three days?
Speaker 4: When you were on the phone with them, I thought.
Speaker 21: It expired on the thirty first of May, and there
Speaker 21: was a glitch in the reservation. I was going to
Speaker 21: check with my husband and call back. When I did
Speaker 21: call back, they said, oh no, it expired on the
Speaker 21: twenty seventh, not the thirty first.
Speaker 4: What does your voucher itself say as far as expiration.
Speaker 9: It does say the twenty seventh.
Speaker 4: Oh crap? How much credit was it?
Speaker 21: It came to about one thousand dollars for holy crap.
Speaker 4: Yeah, and they won't reconsider or you don't know.
Speaker 21: Well, I can went online to their customer service, which
Speaker 21: I was told that's the only way you can talk
Speaker 21: to them is go online, and I just got an
Speaker 21: answer right away. It sounded like the standard answer. No,
Speaker 21: I'm sorry for your inconvenience that we cannot.
Speaker 8: Re issue them.
Speaker 21: That's what I'm telling you to see if if there
Speaker 21: is another way.
Speaker 4: Well, well, okay, the only other way there might be
Speaker 4: is if I give it to someone. And I'm thinking
Speaker 4: maybe I'll give it to Deputy Dollar to call and
Speaker 4: just see if they'll do it. We've had it done
Speaker 4: before in special circumstances. KITCHENA, let's see if Dollar can
Speaker 4: can make a call on this. Let's just see if
Speaker 4: we can do it. Hold on, Bertha, She'll give that
Speaker 4: information to Deputy Dollar. Phil, what a your comment? Go ahead,
Speaker 4: film Phil? Are you there? Yeah? What's your comment?
Speaker 2: Yes?
Speaker 20: You know Jerry Polis and Mike Johnson and Bat Kaufman.
Speaker 20: I heard about a month ago or so where Jerry
Speaker 20: Polis said that Demmer is not a sanctionary city and
Speaker 20: Kaufin says that it's not a sanctionary city.
Speaker 6: Well, first of all, is Aurora.
Speaker 13: He's not dead, huh.
Speaker 4: Kaufman is mayor of Aurora. He would have nothing to say.
Speaker 20: About I understand that he said that it's not a
Speaker 20: sanctionary city neither. But the reason why they have all
Speaker 20: these gangs there and all these migrants are coming in
Speaker 20: is because Jerry Polis, Mike Johnson.
Speaker 4: And co.
Speaker 13: Of Aurora. They're afraid. They're scared.
Speaker 4: Okay, Phil, I doubt that. I doubt her.
Speaker 8: I believe that's the truth.
Speaker 4: Okay, Thank you, Phil, No, I do appreciate you calling
Speaker 4: in three oh three seven one three A two five five.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Leave time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven one help. You'll think you're his only customer when
Speaker 4: you choose Frank Durand the real estate Man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two. Hello Tom Arnt you
Speaker 4: know here, let's talk to Frank. An issue with Mountain
Speaker 4: High dis Have you ever heard of them at mount
Speaker 4: Mountain High Disposal?
Speaker 6: No, but I just looked them up.
Speaker 4: Okay, anyway, because D's in the recycling business. Anyway, Frank,
Speaker 4: what's going on? Oh?
Speaker 22: Can you hear me?
Speaker 2: Yes?
Speaker 4: I Ken, Frank, what's going on?
Speaker 2: Man?
Speaker 22: Mountain High dropped off trash and recycle cans. I came home.
Speaker 22: I think it was Friday, a couple. It's been about
Speaker 22: three weeks.
Speaker 4: I know your trash company helped me out here. Frank.
Speaker 4: Are they your trash company?
Speaker 12: No?
Speaker 22: I already have a good relationship with another trash company. First.
Speaker 4: Oh so they just maybe they dropped them off by mistake.
Speaker 10: Oh, I thought so.
Speaker 22: I called him. Uh it was on a Friday. I
Speaker 22: called him the next week and they said they would
Speaker 22: make an appointment to come get the cans, but they
Speaker 22: didn't say when. That Thursday the trash truck stopped and
Speaker 22: they checked the cans, open them up and leave them
Speaker 22: there and take off.
Speaker 4: You mean you mean Mountain High left him there?
Speaker 18: So?
Speaker 4: So what are they just out on the curb yep.
Speaker 22: I don't know.
Speaker 4: Maybe they bought that company you used to use.
Speaker 22: No, sir, that company is still picking up my trash.
Speaker 4: That's weird.
Speaker 2: Can.
Speaker 22: Yeah, and I don't know what it could I figured
Speaker 22: it could be a mistake. I called him again the
Speaker 22: next week. They wanted to know my name as well
Speaker 22: as my location. I didn't want to tell them my name. Well,
Speaker 22: why they don't know my name? But they provided service
Speaker 22: for me?
Speaker 4: But they can't they Are you afraid they're gonna try
Speaker 4: to slam you into service?
Speaker 22: I don't know, but I don't know if they even can.
Speaker 22: But I've seen some really looked at their website. They
Speaker 22: got bad reviews.
Speaker 4: This is called Mountain on High Disposal, right.
Speaker 22: And they're out of Evans. Their office, I guess, is
Speaker 22: in Evans.
Speaker 5: Why don't you tell your other trash companies to throw
Speaker 5: their cans in the trash?
Speaker 4: Yeah? Why do you? Why do you care? Are they
Speaker 4: really attractive new big cans or are they? What do
Speaker 4: they look like?
Speaker 22: Well, they're brand new. Their one's got a green top,
Speaker 22: one's got a black top, one's the recycle and trash, right, Yeah,
Speaker 22: but I'm looking at I never requested this. I don't
Speaker 22: want them to. I don't know how they could. If
Speaker 22: they if they assume me or something, I could provide
Speaker 22: whatever evidence I have, but it's all hearsays. On my part,
Speaker 22: I don't have any proof that I did not call them.
Speaker 4: Well, I don't think you'd need that.
Speaker 5: If it really came down to that, I'd charge him
Speaker 5: for storage to offset whatever they want.
Speaker 4: Well, first of all, they can't charge you for dropping
Speaker 4: something off and never using it.
Speaker 5: No, no, no, he's saying, charge him if he has
Speaker 5: his other's trash company, throw him out.
Speaker 22: Yeah, I don't. I don't want any trouble. But you
Speaker 22: know I have told him twice now that their cans
Speaker 22: are here, I didn't request them.
Speaker 4: And the response, yeah, what did they say, keep them
Speaker 4: or what?
Speaker 22: Well, first they wanted to know my name.
Speaker 4: I get that. I get that part. And for some
Speaker 4: reason you didn't think you should give your name. I
Speaker 4: get it. Yeah, so I would have given my name
Speaker 4: and said here's where I live, Come get your cans
Speaker 4: or I'm throwing them out.
Speaker 22: Well, their response was something like, we'll see what we
Speaker 22: can do. And that's all I got.
Speaker 4: And you know what, I'd forget about it. I'd forget
Speaker 4: about it. Do they have logos on them on those cans.
Speaker 22: I got their phone number from their logo on the side.
Speaker 4: I just I don't know what to tell you. I
Speaker 4: wouldn't let it bother me. I get rid of them.
Speaker 4: I would too.
Speaker 22: I don't know how I might have to pay for
Speaker 22: somebody to just.
Speaker 4: Have your trash company. Now, throw them in the back.
Speaker 4: They're plastic, they'll crush right up.
Speaker 22: Okay, maybe I'll call.
Speaker 4: And see you know, you have no obligation. You have
Speaker 4: no obligation to take care of them. I'm I might
Speaker 4: even consider late at night just wheeling them down the
Speaker 4: street and then the.
Speaker 22: I don't want to make it someone else's problem.
Speaker 4: I did no, No, I don't mean in front of
Speaker 4: someone's house. I just mean down the street. But anyway,
Speaker 4: you gotta do what you gotta do. Man, I don't
Speaker 4: know what to tell you. If if they don't give
Speaker 4: a damn, then I wouldn't give a damn.
Speaker 17: Okay, send them a certified letter if you want to
Speaker 17: protect yourself, telling him that they delivered the cans to
Speaker 17: your address. You didn't ask them for me, you didn't
Speaker 17: contract for the service, and then you're done.
Speaker 4: Yeah, and just say the hell with you, I might
Speaker 4: do that.
Speaker 22: I think I think a neighbor is bothered by them
Speaker 22: because somebody put them up on the sidewalk the other
Speaker 22: night and the.
Speaker 4: Wait, wait a minute, are they delivering more than just
Speaker 4: your house? No, he's saying the neighbor moved his because
Speaker 4: they're an eyesore.
Speaker 22: Right, And they go down the street and come back.
Speaker 22: So I don't know if there's any other customers.
Speaker 4: Okay, I got it. Listen, man, I would just not
Speaker 4: worry too much about it at this point. I'm serious.
Speaker 4: I don't know what else to tell you. I'm gonna
Speaker 4: talk to Pamela on the way back, and then we're
Speaker 4: going to talk to Rob about cam Solar. Cam Solar
Speaker 4: they're pretty good company. At one time we did business
Speaker 4: with them where they were on a referless years ago.
Speaker 4: We'll see what's going on with that. I'm Tom Martinez
Speaker 4: three O three seven one three talk three oh three
Speaker 4: seven one three eight two five five. By the way,
Speaker 4: if you are looking for financial advisors who put their
Speaker 4: money where their mouth is and actually invest your money
Speaker 4: along with their own, that's only one wave eight Weealthmanagement
Speaker 4: dot Com three oh three seven seven to one help
Speaker 4: and here's a disclaimer. I am the owner, so I
Speaker 4: need to tell you that, and I am I stand
Speaker 4: to profit from this company, but of course we hope
Speaker 4: everyone will. That's a wave eight Wealthmanagement dot Com. Go
Speaker 4: with a sure thing Denver's best roofer Excel Roofing dot Com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free no obligation comparison call Compass
Speaker 4: Insurance paying too much your coverage at of insurance companies
Speaker 4: find out now three all three seven seven one help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. I'm Tom Martino. I want to talk
Speaker 4: to Justin who called in? He says he's Justin with
Speaker 4: Patriot Construction. Okay, is this Justin Garcia? Hello?
Speaker 18: Hello?
Speaker 4: Is this Justin Garcia?
Speaker 23: My name is Justin. I'm gonna are you talking with
Speaker 23: you guys? Briefly?
Speaker 4: Yeah, this is me. Are you the one that dealt
Speaker 4: with Carol? The thing we've been talking about?
Speaker 23: You guys are slandering me right? Starting my personal information
Speaker 23: out there so people can call.
Speaker 4: Is your name Justin Garcia? I don't know who you are.
Speaker 4: I need to know who you are? Is it Justin Garcia?
Speaker 23: You know I am?
Speaker 6: Dude?
Speaker 23: You know who I am.
Speaker 4: You're a scumbag liar and a thief. That's who you are.
Speaker 4: A scum bag, liar and a thief.
Speaker 23: Good.
Speaker 4: Yeah, guess what, Justin? I am calling you a scumbag
Speaker 4: liar and a cheat. That's right. My name's Tom Martino
Speaker 4: and I'm calling you out for being a scumbag and
Speaker 4: a liar and a cheat. And that's my opinion, and
Speaker 4: I'm free to have it. And I'll tell you why
Speaker 4: you took sixty two thousand dollars and did nothing.
Speaker 13: Can I talk now?
Speaker 4: Yep?
Speaker 23: Number one. The proper introduction is it's nice to meet
Speaker 23: you over the radio.
Speaker 4: I've never Beenah, shut up, man, it's not nice to
Speaker 4: meet you, Justin because you're a scumbag.
Speaker 23: That's how you get your But I mean, do you
Speaker 23: get like Erry Springer?
Speaker 4: Just where's the money, dude?
Speaker 2: That's it?
Speaker 4: Where's the money?
Speaker 6: Justin?
Speaker 17: Can you give the lady her sixty two thousand dollars back?
Speaker 2: Please?
Speaker 23: Wait a minute?
Speaker 4: Wow, Wait a minute hold on, hold on, No, he
Speaker 4: does have a point. Wait a minute, he does have
Speaker 4: a point, Justin, You're absolutely right. No, No, I'm serious,
Speaker 4: you do have a point. I'm gonna let you talk, Mark,
Speaker 4: Let's let him talk. Go ahead, Justin, you do have
Speaker 4: a point. Go ahead.
Speaker 23: Simple, that's all I want to say. I have a
Speaker 23: signed contract with set customer. The said customer is very
Speaker 23: welcome to take me to the litigation so we can
Speaker 23: go before judge or whatever have you, magistrates, and we
Speaker 23: can tell our sides of the swords.
Speaker 6: What is your side of the story?
Speaker 4: Though, Hey, Justin, may I ask you a question? I'm
Speaker 4: under the Contractor's Trust Act. All money for a job
Speaker 4: is supposed to be put in trust for that job.
Speaker 23: I'll let my lawyer deal with any of those questions.
Speaker 4: May I May I talk? Okay? Good, I agree your
Speaker 4: lawyer should May I talk to your attorney?
Speaker 23: Why would I allow a radio host to talk to
Speaker 23: you my You.
Speaker 4: Know he doesn't have one because you don't have an
Speaker 4: attorney or a lion thief. That's why if you had
Speaker 4: an attorney, you would love for me to talk to
Speaker 4: your attorney so your attorney could set me straight. Because
Speaker 4: if your attorney gives me a legal reason to believe
Speaker 4: that you should keep that sixty two thousand dollars. I
Speaker 4: will sing your praises.
Speaker 13: Well.
Speaker 23: First of all, I'm an adult, so I get decide
Speaker 23: what I do with my attorney, what.
Speaker 4: I don't do, and justin let me explain something to you.
Speaker 4: You're not the last person who said why should I
Speaker 4: talk to a talk show host. I'm going to tell
Speaker 4: you why because you're I'm never going away for you, bro,
Speaker 4: You're going and if I do Markle takeover, you will
Speaker 4: be destroyed for this because you are a liar and
Speaker 4: a thief. You are a liar and a thief.
Speaker 23: Oh dude, dude, is this what you do? You have
Speaker 23: people badger me call my phone to get on your show.
Speaker 23: I get on your show, and then as soon as
Speaker 23: I get on your show, you're talking.
Speaker 6: Okay, you talk.
Speaker 4: I let you say, call the attorney. Then you don't
Speaker 4: give any information on the attorney. I let you talk.
Speaker 4: And you said, according to a contract, you're happy to
Speaker 4: let her take you to court and let a judge
Speaker 4: decide now. And then I said, are you familiar with
Speaker 4: the Contractor's Trust Act? And you said, let my attorney
Speaker 4: answer that, And I said, can I talk to your attorney?
Speaker 4: And you said, why should I care to have a
Speaker 4: talk show host talked to my attorney? So Justin, don't
Speaker 4: say that you're not getting to talk. You're just talking
Speaker 4: diarrhea out of your mouth.
Speaker 23: No exactly, I said, why why wouldn't my attorney address
Speaker 23: you if we have to go to court? Of course
Speaker 23: my attorney will address it at that.
Speaker 4: You know, this woman doesn't have money to take this money.
Speaker 4: This woman doesn't have money to take you to court.
Speaker 4: So you know what I want you to do. I
Speaker 4: want you to take me to court, Justin, so I
Speaker 4: can tear you up and spit you out. Guess what, Justin,
Speaker 4: I have the money to fight you. So come after me,
Speaker 4: you dirty, rotten piece of crap. Come after me because
Speaker 4: I will show through discovery what a thief.
Speaker 23: I'm after you. Why would I come after you.
Speaker 4: Well, you're going to because I'm calling you a liar
Speaker 4: and a thief, and I plan to prove it. How
Speaker 4: about that?
Speaker 23: Okay, you can prove it once I produce the contract.
Speaker 23: Everything for you is to put bro You're just trying.
Speaker 18: To get ratings.
Speaker 4: Oh, I don't have to worry about ratings. I'm seventy
Speaker 4: one years old. I've been on the air nearly fifty years.
Speaker 4: Do you really think I care about you and ratings?
Speaker 4: Come on, sir, Justin, Listen, listen, Justin. You know what, Justin,
Speaker 4: you're in the little leagues. You're in the little leagues,
Speaker 4: and you're dealing with the big leagues right now. Give
Speaker 4: me your attorney's name and I'll chew him up and
Speaker 4: spit him out. Give me your attorney's name. You don't
Speaker 4: have an attorney, a liar, you don't have one. Here,
Speaker 4: let me explain something. Everything that I'm telling you, everything
Speaker 4: that I'm telling.
Speaker 23: You, it's all psychological what you're doing.
Speaker 4: So, really, you're such a you know what. Hold on?
Speaker 4: He is such a genius, he said, everything I'm doing
Speaker 4: is psychology. No, you're such a wise man. You took
Speaker 4: sixty two grand from a senior citizen and you've done nothing.
Speaker 23: Have you talked to Miss Holcom? Have you talked to miss.
Speaker 4: Numerous numerous times? Numerous times? So they want to talk
Speaker 4: to her right now. We'll get her on the air
Speaker 4: with you.
Speaker 8: Please, please listen, Let's get her on killing No, hold on, hold.
Speaker 4: On, god, Wait, wait, wait, wait, no, go ahead, go ahead, Justin.
Speaker 4: I'll listen.
Speaker 23: Go ahead, dude, dude, dude, this is the last thing
Speaker 23: I want to say.
Speaker 10: Okay, I am more.
Speaker 23: Than willing to go to any litigation with my contract
Speaker 23: signed by miss Holcombe that proved she had some due
Speaker 23: diligence she needed to perform prior to the bills. It's
Speaker 23: very very clear in the contract.
Speaker 5: So so you're saying you've done absolutely nothing, which we know,
Speaker 5: and you think it's valid to keep sixty two thousand dollars.
Speaker 4: Maybe you are owed a few bucks.
Speaker 5: If you actually did anything, But how do you justify
Speaker 5: keeping sixty two thousand dollars?
Speaker 4: Here's the thing. Justin the Contractor's Trust.
Speaker 23: Act, it's simple. It Can I say something?
Speaker 10: Can I say something?
Speaker 23: It's simple when you ask someone that, it's simple. A
Speaker 23: business is a business, correct. So if you were to
Speaker 23: buy a home and you made really horrible decisions, it
Speaker 23: does not mean it don't owe on the home.
Speaker 4: So you admit doing business with you was a horrible decision. Mark, Wait, justin,
Speaker 4: you brought up a good point. Yeah, someone Justin said
Speaker 4: if someone justin, if someone bought a home and they
Speaker 4: made a bad decision, you're absolutely right, they would be
Speaker 4: stuck with the home. You're absolutely right. She didn't buy
Speaker 4: anything from you, tracted with you, and under the law,
Speaker 4: the money she put down was supposed to be put
Speaker 4: in trust before we even go into assessing her for
Speaker 4: what you believe she owes. You can't prove that that
Speaker 4: money is held in trust.
Speaker 23: Again, I know you're fishing for some answers here. You're
Speaker 23: not going to get legal answers from me during this conversation.
Speaker 4: We're not getting any answers from you, let alone legal answers.
Speaker 4: By the way, are you yet twenty one? Because you
Speaker 4: sound like a you sound like a fool. You're just
Speaker 4: on the air sounding like a little fool. You're messing.
Speaker 4: You're messing with someone who knows how to outdo you.
Speaker 10: I've been the war twice.
Speaker 23: I served my country honorably.
Speaker 4: Well, I'm not talking about I'm not talking about your
Speaker 4: service record. Your service record has nothing to do with this.
Speaker 23: I've never been I've never been arrested. So please listen, respectful,
Speaker 23: people that you know nothing about man justin.
Speaker 4: I do know one thing about you. You took sixty
Speaker 4: two thousand.
Speaker 23: Dollars for my story about me. You know a story
Speaker 23: about me. You don't have no story it's true or not.
Speaker 23: You just know a story about me.
Speaker 4: You've acknowledged the story. That story is true. You took
Speaker 4: sixty two thousand.
Speaker 23: Dollars just speaking on facts. Do you have a number one?
Speaker 10: Number one?
Speaker 23: Let's be adult sho you run a radio show? Did
Speaker 23: you verify if she did or did not have a
Speaker 23: contract with me?
Speaker 6: Yes, we have a copy of it, and we have
Speaker 6: a copy of the cashier's chair.
Speaker 4: Yes, sir, Yes we did, Yes, we did. If you
Speaker 4: have a contract, we gotta take, we gotta Justin. I'm sorry,
Speaker 4: but as you said, I am a talk show host.
Speaker 4: I do have to take a break. You're welcome to
Speaker 4: stay on. But let me just explain something to you.
Speaker 4: And I promise you this, I mean this. Why don't
Speaker 4: you prepare a written statement so every single word of
Speaker 4: what you want to say will be included whenever I
Speaker 4: talk about you. I promise you that, Justin, and you
Speaker 4: can email it to us and uh kitchina give him
Speaker 4: our email address. I got more coming right up? Go
Speaker 4: with a sure thing Denver's best roofer Excel roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance checkup free, no obligation comparison call Compass Insurance
Speaker 4: Paying too much your coverage at dozens of insurance companies
Speaker 4: find out Now three oh three seven seven to one help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand thereal estate man dot com to list your home
Speaker 4: with Remax Alliance three oh three nine two zero sixteen
Speaker 4: twenty two