WEBVTT 1 00:00:00.960 --> 00:00:06.599 Yeah, ripped off? 2 00:00:07.400 --> 00:00:14.279 What need that's so you don't have come running just 3 00:00:14.400 --> 00:00:15.640 as nass as we can. 4 00:00:16.920 --> 00:00:20.640 Shooter's gonna help come Max. 5 00:00:21.000 --> 00:00:25.440 It's the Troubleshooter Show. No, Tom Martino, Hey. 6 00:00:25.600 --> 00:00:29.039 Tom Martino here, I got something to show you. This 7 00:00:29.120 --> 00:00:32.079 is gonna be cool. Now we can bring in cameras 8 00:00:32.119 --> 00:00:34.479 without problems. I got Mark here. I'm gonna bring them 9 00:00:34.520 --> 00:00:37.280 up full screen. There you go, Marky, take it away. 10 00:00:37.479 --> 00:00:40.560 You there, I am here. What's going on? Man? All right? 11 00:00:40.719 --> 00:00:45.920 So what I'd like to know is, uh, quickly, did 12 00:00:45.960 --> 00:00:49.240 you know that about ninety percent of the people that 13 00:00:49.359 --> 00:00:55.960 responded to me said that politics definitely makes or takes 14 00:00:56.000 --> 00:00:58.799 a role in their buying decisions if they know the 15 00:00:58.840 --> 00:01:01.799 politics of a company. Now, these are staunch politics, and 16 00:01:01.840 --> 00:01:04.480 people just are regular people and they don't preach a lot, 17 00:01:04.519 --> 00:01:10.159 but if they know someone is one way against them, 18 00:01:10.319 --> 00:01:13.640 and if they won't, they won't go to them. They said, 19 00:01:13.640 --> 00:01:15.760 they won't go to a car mechanic if he's a 20 00:01:16.000 --> 00:01:19.200 staunch conservative or staunch liberal and they're the opposite. They 21 00:01:19.239 --> 00:01:21.599 won't buy from people, They won't go to restaurants. It 22 00:01:21.799 --> 00:01:25.480 shocked me the amount of texts and emails I got 23 00:01:25.519 --> 00:01:31.000 about buying decisions, buying decisions. Does that shock you? 24 00:01:31.040 --> 00:01:35.959 No, Unfortunately it doesn't. But in some circles that's definitely 25 00:01:36.000 --> 00:01:38.840 not true. I think that's probably more correct for liberals 26 00:01:39.040 --> 00:01:40.680 than it is for conservatives. 27 00:01:41.439 --> 00:01:45.319 Oh really you think? Okay, you think conservatives don't care 28 00:01:45.359 --> 00:01:45.840 that much. 29 00:01:46.400 --> 00:01:50.879 I don't think they care as much. Okay, Well what 30 00:01:50.920 --> 00:01:52.719 do you think I think? 31 00:01:53.439 --> 00:01:55.560 Oh? I think conservatives care a lot. I think if 32 00:01:55.599 --> 00:01:58.719 they think there's some liberal creep, they're not gonna they're 33 00:01:58.719 --> 00:02:01.480 not gonna do it. Are not going to shop on Amazon. 34 00:02:01.879 --> 00:02:06.159 I disagree with you. Well, okay, and fifty District No, no, no, no, no, 35 00:02:06.319 --> 00:02:07.879 you're right. Amazon's a different animal. 36 00:02:08.000 --> 00:02:11.360 By Amazon's a different bezoson said Damn rag in New 37 00:02:11.479 --> 00:02:14.680 York where he's always just going after Republicans. 38 00:02:14.879 --> 00:02:17.479 And by the way, uh, Mark, I don't know if 39 00:02:17.479 --> 00:02:19.199 you can see the feed, but it's looking good and 40 00:02:19.240 --> 00:02:22.560 your camera's crisp and perfect. Oh come you can't. Oh okay, 41 00:02:22.560 --> 00:02:25.960 there we go, Now I see the two deals? Cool? Yeah, yeah, yeah. 42 00:02:26.000 --> 00:02:30.439 So anyway, let's let's welcome, by the way, today, our 43 00:02:30.599 --> 00:02:35.639 our guest here, John Johnny. Welcome, Johnny Jones. We call 44 00:02:35.719 --> 00:02:38.280 him Johnny because he's the son the junior John Jones 45 00:02:38.360 --> 00:02:42.039 Junior JJJ, John John Jain. Okay, does anyone ever call 46 00:02:42.120 --> 00:02:42.840 you JJJ? 47 00:02:43.000 --> 00:02:43.639 This happens. 48 00:02:43.719 --> 00:02:48.400 Okay, I'll try not to make that a habit. But anyway, 49 00:02:48.560 --> 00:02:51.360 here's what we're gonna do. We're gonna talk about health 50 00:02:51.360 --> 00:02:56.400 insurance today. So tell me about the dues and dawns 51 00:02:56.400 --> 00:02:59.599 storing open enrollment. Just tell us why, because I heard 52 00:03:00.039 --> 00:03:02.639 pretty d over there ask why do we have to 53 00:03:03.879 --> 00:03:05.039 do it this time of year? 54 00:03:05.680 --> 00:03:07.680 Well, if you buy your own health insurance right, So 55 00:03:07.719 --> 00:03:09.599 this is those under the age of sixty five who 56 00:03:09.599 --> 00:03:11.240 buy their own health insurance. And by the way, also 57 00:03:11.240 --> 00:03:13.719 annual rolling period for Medicare is now but open and 58 00:03:13.800 --> 00:03:16.240 roll open and rolling for individuals and families under age 59 00:03:16.240 --> 00:03:19.199 sixty five starts on November first. Yes, if you buy 60 00:03:19.199 --> 00:03:23.199 your own again, and I think we've covered this multiple 61 00:03:23.280 --> 00:03:26.599 times as well. But the reason why, now, why is 62 00:03:26.639 --> 00:03:27.400 there an open right? 63 00:03:27.479 --> 00:03:29.800 Why why is their open enrollment? What the hell is 64 00:03:29.800 --> 00:03:30.280 it all about? 65 00:03:30.400 --> 00:03:32.639 Well, pre existing conditions don't matter anymore, and so health 66 00:03:32.680 --> 00:03:36.120 insurance carriers are required to ensure anyone who buys a 67 00:03:36.120 --> 00:03:39.599 plan during an open or special enrollment period. Uh, and 68 00:03:39.680 --> 00:03:42.759 so The point of open enrollment is to drive. Try 69 00:03:42.759 --> 00:03:44.680 to drive all that traffic, try to drive all that 70 00:03:45.000 --> 00:03:49.919 money and premium dollars into one time where now the 71 00:03:50.000 --> 00:03:52.360 insurers have an entire year's worth of. 72 00:03:52.520 --> 00:03:55.879 They want to aggregate properly. The risk. It used to 73 00:03:55.879 --> 00:03:59.599 be people would sign up just before something happened, or yeah, yes, sir, 74 00:03:59.639 --> 00:04:02.039 absolut yes, or or when they get sick and they 75 00:04:02.039 --> 00:04:04.159 wait out the waiting period or something, even though pre 76 00:04:04.199 --> 00:04:07.039 existing was a thing. They can't afford to do that. 77 00:04:07.039 --> 00:04:09.520 They want as many people enrolled as possible, with the 78 00:04:09.560 --> 00:04:13.360 idea that the more enrolled, the cheaper they can keep it. 79 00:04:13.360 --> 00:04:15.680 It has to work somewhat financially, absolutely. 80 00:04:15.240 --> 00:04:15.960 And it kind of does. 81 00:04:16.040 --> 00:04:16.279 Yeah. 82 00:04:16.800 --> 00:04:19.279 Now there is no more law though, remember there used 83 00:04:19.279 --> 00:04:21.639 to be a penalty. You don't pay a penalty anymore, right, you. 84 00:04:21.639 --> 00:04:22.000 Don't pay it. 85 00:04:22.040 --> 00:04:24.319 So the penalty there is. The penalty exists, it's part 86 00:04:24.360 --> 00:04:26.519 of the law, but the penalty is zero dollars, so 87 00:04:26.639 --> 00:04:27.920 there's no teeth to it right now. 88 00:04:28.120 --> 00:04:30.720 Why did I wonder why Biden and company did not 89 00:04:31.079 --> 00:04:32.120 put the penalty back? 90 00:04:32.759 --> 00:04:33.319 Yeah, I don't. 91 00:04:33.560 --> 00:04:35.959 I think that was the Supreme Court decision. I don't 92 00:04:36.000 --> 00:04:39.199 think it had anything to do with a bid. That 93 00:04:39.319 --> 00:04:40.399 was the Supreme Court thing. 94 00:04:40.439 --> 00:04:40.680 Mark. 95 00:04:41.519 --> 00:04:43.519 No, I'm pretty sure it was. 96 00:04:45.000 --> 00:04:46.040 I understood. So there was. 97 00:04:46.120 --> 00:04:48.360 There's two types of subsidies that somebody can be eligible for. 98 00:04:48.439 --> 00:04:50.920 You have tax credits, right, and you have costier reduction subsidies. 99 00:04:52.000 --> 00:04:54.439 Both the difference tax credits. 100 00:04:54.120 --> 00:04:56.040 Atax applies to your monthly premium. 101 00:04:56.120 --> 00:05:01.240 The costier reduction subsidy that was added in a extra 102 00:05:01.759 --> 00:05:04.040 that applies to plan benefits. So if you buy a 103 00:05:04.040 --> 00:05:06.160 Silver plan, if your income is below two hundred and 104 00:05:06.199 --> 00:05:08.480 fifty percent of the federal poverty level as an individual 105 00:05:08.560 --> 00:05:09.199 or as a family. 106 00:05:10.000 --> 00:05:10.920 That is what. 107 00:05:12.839 --> 00:05:17.560 It was the government's responsibility originally to pay those cashier 108 00:05:17.600 --> 00:05:20.680 reduction subsidies. But that's what Congress got tossed as far 109 00:05:20.720 --> 00:05:22.959 as it's not our responsibility that got put on health 110 00:05:22.959 --> 00:05:24.279 insurance companies. 111 00:05:25.160 --> 00:05:30.160 In general in general? Is this Obamacare or the Affordable 112 00:05:30.160 --> 00:05:33.680 Care Act? Is it beneficial in general for people? Do 113 00:05:33.720 --> 00:05:36.680 you see people benefiting from it? You've been in the 114 00:05:36.680 --> 00:05:37.720 business before. 115 00:05:37.480 --> 00:05:42.480 This, Well, it is more beneficial. It seems to more 116 00:05:42.519 --> 00:05:48.160 beneficial now since they changed the subsidy eligibility. How someone 117 00:05:48.199 --> 00:05:50.680 is eligible for a subsidy, the requirements of that. 118 00:05:50.560 --> 00:05:52.759 But now Mark used to complain it made it more 119 00:05:52.800 --> 00:05:55.439 expensive for know, for some people, it's still have for 120 00:05:55.800 --> 00:05:58.199 the for the upper echelon of incomes. 121 00:05:58.360 --> 00:06:01.040 Now for almost every employer are out there as well. 122 00:06:01.160 --> 00:06:03.839 Well, Yeah, employer plans has gone up a lot in 123 00:06:04.199 --> 00:06:05.000 premium as well. 124 00:06:05.079 --> 00:06:09.519 So I bet since Obamacare, John, Honestly, since Obamacare, I 125 00:06:09.560 --> 00:06:11.240 would guess four. 126 00:06:11.040 --> 00:06:17.199 Times maybe maybe three times more expensive. Yeah, especially for employers. 127 00:06:17.480 --> 00:06:20.800 All right, now, first, sorry, go ahead. I just want 128 00:06:20.839 --> 00:06:22.519 to bring up Joe because he has something to say. 129 00:06:22.560 --> 00:06:29.040 Go ahead, Joe, Joe, you wanted to talk about Integra. 130 00:06:31.160 --> 00:06:32.279 Okay, can you hear me? 131 00:06:32.639 --> 00:06:34.040 Yes, sir, go ahead, Joe. 132 00:06:34.199 --> 00:06:36.600 I just want to say I listened to it for years, 133 00:06:36.600 --> 00:06:38.079 and he kept saying, if you need help with her, 134 00:06:38.120 --> 00:06:40.360 to try to call him Tagra. I just kept shoving 135 00:06:40.360 --> 00:06:42.839 it off and shoving it off. And then late last year, 136 00:06:43.279 --> 00:06:45.920 I said, I'm gonna call him just with gags, and 137 00:06:45.959 --> 00:06:48.639 I'll tell you what. John helped me say, Well, we're 138 00:06:48.680 --> 00:06:52.240 twenty five hundred dollars a year on my insurances. His 139 00:06:52.439 --> 00:06:54.480 wife and him are just fantastic. 140 00:06:54.759 --> 00:06:55.839 They're quick to call. 141 00:06:56.000 --> 00:06:59.480 They have a hard time hearing on the phone, and 142 00:06:59.560 --> 00:07:02.360 he took his time repeats, so I don't know how 143 00:07:02.360 --> 00:07:04.480 many times does he tell me? So I go, oh, crap, 144 00:07:04.519 --> 00:07:05.399 I forgot what you said. 145 00:07:05.399 --> 00:07:09.160 How was that John Senior or John Junior Senior Senior? 146 00:07:09.240 --> 00:07:09.399 Right? 147 00:07:09.519 --> 00:07:11.839 John and Day and then we have John Junior. And 148 00:07:11.879 --> 00:07:13.959 then we have of course employees there. They have a 149 00:07:13.959 --> 00:07:15.800 pretty good staff. You have good people. 150 00:07:16.000 --> 00:07:18.240 It's just fantastic, and I want to thank you. I 151 00:07:18.279 --> 00:07:20.759 think his wife has some sort of tour in her neck, 152 00:07:21.079 --> 00:07:23.600 and I'd just like to get anybody out there, none 153 00:07:23.839 --> 00:07:27.439 or it doesn't know, say some prayers for so come back. 154 00:07:27.519 --> 00:07:30.800 Okay, that's very nice of you. Thank you, Joe. Yeah, yeah, 155 00:07:30.839 --> 00:07:33.279 we kind of didn't want to discuss private stuff like that, 156 00:07:33.319 --> 00:07:36.000 but okay, Joe, I understand you had well you were 157 00:07:36.120 --> 00:07:38.639 well meaning. Thank you very much. We don't know exactly 158 00:07:38.720 --> 00:07:41.480 what it is yet, and prayers are for are all 159 00:07:41.519 --> 00:07:47.600 around Guermo. What's going on, Guerremo? H good man, what's 160 00:07:47.639 --> 00:07:48.360 going on with you? 161 00:07:49.439 --> 00:07:49.680 Well? 162 00:07:50.040 --> 00:07:52.920 I took my jee ticket an oil change at Jiffy 163 00:07:53.000 --> 00:07:54.839 Lube a couple of months ago, and. 164 00:07:56.439 --> 00:07:59.959 The Jiffy Lube I used to call him Jiffy Lube 165 00:08:00.079 --> 00:08:03.639 and screw. They're so terrible. I mean, but if they're 166 00:08:03.680 --> 00:08:06.639 not as bad. Actually, no, no, it wasn't Jeffy. I'm sorry. 167 00:08:06.800 --> 00:08:10.040 It was a Connolu. It was the Conno lube and screw. 168 00:08:10.120 --> 00:08:14.959 You're right, Jeffy. Wasn't that bad? I'm sorry, Guerma, what what? Garama? 169 00:08:15.079 --> 00:08:18.560 What the What's? When? Was it which Jeffy lube? 170 00:08:19.560 --> 00:08:23.160 It was the branch on Bellevue and right off the Santa. 171 00:08:22.920 --> 00:08:25.680 Fe Okay Bellevue and Santa Fe. What went wrong? 172 00:08:27.519 --> 00:08:30.360 So about a mile down the road, oil was everywhere. 173 00:08:30.600 --> 00:08:33.480 All the emergency lights were on. Took it back to 174 00:08:33.559 --> 00:08:36.960 the to the oil changed place right away. So I 175 00:08:37.039 --> 00:08:38.759 had a long conversation with them. They said, let us 176 00:08:38.759 --> 00:08:40.840 make it right. So I said, yeah, go ahead, and. 177 00:08:40.840 --> 00:08:43.159 Let's well what what did they do wrong? To begin with? 178 00:08:43.240 --> 00:08:45.080 Did they for to forget to put the plug in 179 00:08:45.200 --> 00:08:46.279 or put it in looser? 180 00:08:46.360 --> 00:08:48.120 What they didn't screw on? 181 00:08:48.240 --> 00:08:48.919 The oil? 182 00:08:49.399 --> 00:08:49.600 Oil? 183 00:08:49.679 --> 00:08:51.480 Oil filter? Pretty much at all? It blew it off 184 00:08:51.480 --> 00:08:52.759 as soon as the engine got pressured. 185 00:08:53.440 --> 00:08:55.360 Ah, so it. 186 00:08:55.399 --> 00:08:57.399 Pretty much blew the engine. They took me two months. 187 00:08:57.440 --> 00:09:00.399 Wait a minute, the engine was totally blown. 188 00:09:01.639 --> 00:09:02.120 It is now. 189 00:09:02.159 --> 00:09:04.960 I found this out yesterday because they've been giving me 190 00:09:05.039 --> 00:09:07.559 stories like, oh it's timing change, we just need to 191 00:09:07.600 --> 00:09:09.080 do a tune up on it. We're going to keep 192 00:09:09.080 --> 00:09:12.320 doing this, all these stories that, So what are they 193 00:09:12.399 --> 00:09:16.320 going to do now? So they said, we found an 194 00:09:16.360 --> 00:09:18.279 engine at a Junkyard that we can throw in for you. 195 00:09:18.919 --> 00:09:21.519 How many miles on it? Uh? 196 00:09:22.000 --> 00:09:22.480 They told me. 197 00:09:22.519 --> 00:09:26.000 Sixty thousand, which I don't mind. But they've had my 198 00:09:26.080 --> 00:09:28.120 car for two months. They didn't want to tell me 199 00:09:28.159 --> 00:09:28.480 what shop. 200 00:09:28.799 --> 00:09:30.720 How many miles on your jeep when you brought it 201 00:09:30.799 --> 00:09:31.120 in there? 202 00:09:32.039 --> 00:09:34.360 One hundred and forty but it's been maintained. 203 00:09:34.440 --> 00:09:36.440 Are they giving you a rental car in the intrum? 204 00:09:37.720 --> 00:09:39.360 No, that's the funny thing. I told him, you know, 205 00:09:39.440 --> 00:09:41.480 go ahead, and you know it's been two months. I 206 00:09:41.600 --> 00:09:45.200 need a car at this point. And they said, no, 207 00:09:45.240 --> 00:09:46.480 we're not gonna give you a rental car. We don't 208 00:09:46.519 --> 00:09:48.159 do rental car or loan or anything like that. 209 00:09:48.519 --> 00:09:52.840 Well that's tough crap, is I mean? Yeah, they they 210 00:09:52.919 --> 00:09:55.120 may say they don't do them, but they owe you. Now, 211 00:09:55.200 --> 00:09:57.279 what you could do is just play nice and get 212 00:09:57.600 --> 00:10:01.080 get your own rental waiting for them to fix your car. 213 00:10:01.759 --> 00:10:05.039 But if you could get a sixty thousand mile engine 214 00:10:05.039 --> 00:10:07.679 and it really was a sixty thousand mile engine or 215 00:10:07.840 --> 00:10:10.759 a replacement engine. What year is this jeep? It's a 216 00:10:10.960 --> 00:10:14.720 twenty sixteen Okay, So if they could fix you up 217 00:10:14.799 --> 00:10:19.200 to pre accident conditioner or pre incident conditioner better, that 218 00:10:19.279 --> 00:10:21.320 would be fine. So what are you calling about? Are 219 00:10:21.360 --> 00:10:22.120 they not doing it? 220 00:10:22.240 --> 00:10:25.720 Or what if they're not? The jeep is still sitting 221 00:10:25.759 --> 00:10:28.080 in their shops. I told them I want to get 222 00:10:28.120 --> 00:10:31.960 real sooner than later, because it's been going on for 223 00:10:32.039 --> 00:10:33.320 two months. I've been feeding me live. 224 00:10:34.120 --> 00:10:36.440 Well, you're not required to keep it there. You could 225 00:10:36.480 --> 00:10:39.080 have a toad somewhere and go after them. For the expense. 226 00:10:39.360 --> 00:10:41.720 I want someone to call on this. Who do we 227 00:10:41.799 --> 00:10:44.120 have kel Let's have Kelly call and see if they'll 228 00:10:44.120 --> 00:10:46.080 come on the air. Yeah, let's do that first, and 229 00:10:46.159 --> 00:10:48.080 then who do we have that could take this in 230 00:10:48.159 --> 00:10:48.679 the studio? 231 00:10:49.679 --> 00:10:52.000 I'm here by myself holding down the four tom. 232 00:10:52.120 --> 00:10:54.960 Okay, now, Doc, you have a follow up? 233 00:10:55.000 --> 00:10:55.360 What is it? 234 00:10:56.919 --> 00:11:00.279 Do you remember Andrea Madino had a problem with her 235 00:11:01.360 --> 00:11:04.440 moving from one apartment to another in me law. 236 00:11:04.480 --> 00:11:07.480 Oh that was a while ago. Yeah, she something went 237 00:11:07.559 --> 00:11:09.679 wrong and she was in a building and they told 238 00:11:09.720 --> 00:11:11.080 her that they. 239 00:11:11.000 --> 00:11:14.559 Were just moving to a place in more bedrooms. 240 00:11:15.000 --> 00:11:18.279 I'm sorry. Was this the subsidized housing? 241 00:11:18.960 --> 00:11:19.559 No, no, no, no. 242 00:11:20.440 --> 00:11:24.039 She was moving to another apartment in the same complex 243 00:11:24.440 --> 00:11:28.240 and they were charging her extravagant fees from the move out. 244 00:11:29.159 --> 00:11:30.440 Remember they were charging them more. 245 00:11:30.559 --> 00:11:33.399 I'm looking for it. She rents a single family home 246 00:11:33.519 --> 00:11:36.480 since August. Trouble with the mett. Nope, that's not the 247 00:11:36.519 --> 00:11:38.480 one with the black mold. Nope. We have so many 248 00:11:38.600 --> 00:11:42.679 andreas low income subsidized housing during the pandemic. She was 249 00:11:42.759 --> 00:11:46.120 asked to apply for rent. No, oh my god, I 250 00:11:46.759 --> 00:11:50.519 have about ten Andreas and they're all rental problems. But anyway, 251 00:11:50.600 --> 00:11:51.600 so what's going on with it? 252 00:11:51.720 --> 00:11:55.120 So anyway, she had a list of things they charged 253 00:11:55.159 --> 00:11:57.759 her for on the move out, and some of which 254 00:11:57.799 --> 00:12:01.759 were unreasonable. So I actually with her to the UH. 255 00:12:02.000 --> 00:12:03.879 Really, I met her at the place and went with 256 00:12:03.960 --> 00:12:07.240 her to the UH to the office, and we managed 257 00:12:07.279 --> 00:12:08.919 to get some items changed. 258 00:12:10.399 --> 00:12:12.360 So she saved about two hundred and fifty bucks. 259 00:12:12.639 --> 00:12:14.600 Well that's good. I mean, you just made sure that 260 00:12:14.720 --> 00:12:17.279 what she was charged for she was charged for. She 261 00:12:17.679 --> 00:12:18.759 you know, that's wonderful. 262 00:12:19.080 --> 00:12:22.679 And the things that I felt were unreasonable they change, 263 00:12:23.200 --> 00:12:24.120 you know, thank. 264 00:12:24.000 --> 00:12:27.519 You that that's really cool. Good job, Doc. Yeah, let's 265 00:12:27.559 --> 00:12:32.399 do this. I use my dinger today in the middle 266 00:12:32.399 --> 00:12:34.440 of the week. I love it. We got more coming up. 267 00:12:40.159 --> 00:12:43.440 Go with a sure thing Denver's best roofer Excel Roofing 268 00:12:43.519 --> 00:12:46.159 dot com. You don't pay a cent until you're content. 269 00:12:49.559 --> 00:12:52.679 Time for an insurance checkup free, no obligation. In comparison, 270 00:12:52.879 --> 00:12:56.399 call Compass Insurance paying too much your coverage at dozens 271 00:12:56.440 --> 00:12:59.159 of insurance companies find out now three O three seven 272 00:12:59.279 --> 00:13:02.279 seven one. Hell, you'll think you're his only customer when 273 00:13:02.279 --> 00:13:04.559 you choose Frank durand the real estate Man dot com 274 00:13:04.840 --> 00:13:07.919 to list your home with Remax Alliance three all three 275 00:13:08.000 --> 00:13:14.519 nine two zero sixteen twenty two. Hi, Tom Martino, you're 276 00:13:14.720 --> 00:13:17.879 troubleshooter three all three seven to one three talks so 277 00:13:17.919 --> 00:13:19.960 I get a text that says Tom. By the way, 278 00:13:20.000 --> 00:13:22.080 you can text my Google number seven four seven nine 279 00:13:22.159 --> 00:13:24.759 nine nine fifty two eighty seven four seven nine nine 280 00:13:24.799 --> 00:13:27.240 nine fifty two eighty or five seven seven three nine 281 00:13:27.360 --> 00:13:29.639 is the iHeart short code. Either one will get to us. 282 00:13:30.320 --> 00:13:32.519 It says here Tom. Politics do not come into play 283 00:13:32.559 --> 00:13:35.200 when it comes to for vacationing for us. Our daughter 284 00:13:35.279 --> 00:13:39.320 went to Portland, Oregon and Seattle, Washington. And they had 285 00:13:39.480 --> 00:13:42.080 signs on ninety percent of the businesses that said no 286 00:13:42.240 --> 00:13:45.759 guns allowed and black Lives matter, all kinds of signs 287 00:13:45.799 --> 00:13:50.240 and stickers, littering walls, fences, businesses, front yards, homeless camps, 288 00:13:50.320 --> 00:13:54.919 occupied parks by thugs. Is this Denver or Aurora? No, 289 00:13:55.120 --> 00:13:58.240 he's talking about Portland, Oregon and Seattle. We were we 290 00:13:58.399 --> 00:14:01.320 were Oh wait, wait wait he just said politics. Do 291 00:14:01.759 --> 00:14:05.679 I'm sorry, do come into play for vacationing because when 292 00:14:05.720 --> 00:14:08.440 he went to these cities it was absolutely ridiculous. Oh 293 00:14:08.559 --> 00:14:10.279 our long, our long bus trip. 294 00:14:10.399 --> 00:14:15.200 We went through Portland and or close to it, and 295 00:14:15.279 --> 00:14:17.440 then we went through another city, both of them total 296 00:14:17.720 --> 00:14:20.279 total hell holes. Didn't even want to stop. Man, I 297 00:14:20.360 --> 00:14:24.720 mean hell holes, all right. But it's the same description 298 00:14:24.840 --> 00:14:26.080 as a roar no offense. 299 00:14:26.200 --> 00:14:29.759 But three oh three seven one three dogs seven one 300 00:14:29.799 --> 00:14:32.759 three eight two five five I have no idea what 301 00:14:32.879 --> 00:14:37.519 this text means. Uh, tom as A, I'm a black man, 302 00:14:37.799 --> 00:14:41.039 and he had the nerve to tell me to take 303 00:14:41.159 --> 00:14:46.279 my maga hat off because I'm black? Who had the nerve? Well, 304 00:14:46.320 --> 00:14:49.080 this guy is writing to me saying that he wears 305 00:14:49.120 --> 00:14:52.000 a maga hat nets and who had the nerve some 306 00:14:52.279 --> 00:14:57.200 guy delivering burritos. Oh well, there you go anyway, three 307 00:14:57.279 --> 00:15:01.519 oh three, seven to one three talk, let's go to Okay, 308 00:15:01.639 --> 00:15:04.639 so what are we doing with Germot? Did Germo? Did 309 00:15:04.679 --> 00:15:06.879 we call Jiffy? 310 00:15:07.200 --> 00:15:10.519 I have left two messages, one for the district manager 311 00:15:10.679 --> 00:15:13.240 and one for the general manager of. 312 00:15:14.080 --> 00:15:17.480 The kay Loop store. So now why don't we, though, 313 00:15:18.000 --> 00:15:21.200 in addition to that, give it to deputy doc if 314 00:15:21.240 --> 00:15:23.759 they don't call back, so we can we can make 315 00:15:23.879 --> 00:15:28.360 sure that somebody is working this. And docs have some 316 00:15:28.480 --> 00:15:31.600 good lucky with auto stuff. So let's uh let's try that. 317 00:15:32.279 --> 00:15:36.200 Uh okay, good now, Deputy dear, are you working on anything? 318 00:15:36.240 --> 00:15:36.840 I thought you were? 319 00:15:37.399 --> 00:15:37.559 Yes? 320 00:15:37.840 --> 00:15:38.720 Hold on, go ahead, sir. 321 00:15:38.879 --> 00:15:39.039 Yes. 322 00:15:39.320 --> 00:15:42.600 So yesterday we had a caller who complained about drive 323 00:15:42.799 --> 00:15:47.200 in Motion car dealership. She bought a jeep that doesn't 324 00:15:47.240 --> 00:15:48.080 pass emissions. 325 00:15:48.279 --> 00:15:51.000 Oh well, this was really screwed up. They told her 326 00:15:51.039 --> 00:15:53.720 it wouldn't pass, but they did not sell it as 327 00:15:53.799 --> 00:15:56.399 a toe away. They were there in Weld County, but 328 00:15:56.480 --> 00:15:59.799 they were selling into an emissions area. And I believe 329 00:16:00.039 --> 00:16:03.799 they're required to make sure it either passes or they 330 00:16:04.279 --> 00:16:06.559 sell it as a toeaway. And she has a three 331 00:16:06.639 --> 00:16:08.120 day voucher she never got. 332 00:16:08.240 --> 00:16:11.120 Well, not only that, but it sounds like they told 333 00:16:11.159 --> 00:16:13.360 her that the reason it won't pass emissions is because 334 00:16:13.360 --> 00:16:16.519 of the bad ABS module. Well, she had the ABS 335 00:16:16.639 --> 00:16:18.240 module replaced just yesterday. 336 00:16:18.840 --> 00:16:21.279 Nothing to do with the missions ABS breaking. 337 00:16:21.120 --> 00:16:24.440 Right, But you know, she's an unsophisticated consumer in terms 338 00:16:24.440 --> 00:16:28.360 of auto mechanics. So I spoke with a so Drive 339 00:16:28.480 --> 00:16:32.679 in Motion has three stores, Greeley, North Glenn and somewhere 340 00:16:32.679 --> 00:16:36.080 out of state like New Mexico, Arizona. I spoke with 341 00:16:37.159 --> 00:16:40.519 someone who I believe was the sales manager yesterday, mister Selene. 342 00:16:41.080 --> 00:16:43.799 He told me that he has no comment on this deal, 343 00:16:44.240 --> 00:16:47.840 but he's going to at my request, he's going to 344 00:16:47.919 --> 00:16:50.480 try to find someone who does, which I assume is 345 00:16:50.559 --> 00:16:53.080 going to be Brian Neely, who's the owner of these dealership. 346 00:16:53.200 --> 00:16:53.759 Well, they got it. 347 00:16:53.799 --> 00:16:55.519 They gotta make it pass mission. 348 00:16:55.679 --> 00:16:58.879 I just spoke with another gentleman at the North Glenn 349 00:16:58.960 --> 00:17:03.200 store because there during the phones, and I told him that, uh, 350 00:17:03.480 --> 00:17:05.519 you know, we'd like to get their comment, but better yet, 351 00:17:05.559 --> 00:17:06.240 we'd like to get a. 352 00:17:06.279 --> 00:17:07.559 Resolution to this issue. 353 00:17:07.720 --> 00:17:10.359 Yeah, before I provide an on the air update and 354 00:17:10.519 --> 00:17:13.920 so or before I called the State of Colorado Revenue 355 00:17:13.960 --> 00:17:16.599 Department says, so right on their site, they have a 356 00:17:16.759 --> 00:17:20.440 form a complaint form for emissions violations if the. 357 00:17:20.519 --> 00:17:22.079 Car you buy doesn't have so. 358 00:17:22.519 --> 00:17:24.680 Anyway, so I said, before I go that route, it 359 00:17:24.680 --> 00:17:26.720 would be great to get a resolution from you guys 360 00:17:26.799 --> 00:17:31.039 directly without getting the government involved. So he took down 361 00:17:31.119 --> 00:17:33.720 my name and phone number, and he did tell me 362 00:17:33.799 --> 00:17:35.720 that he's going to speak with both mister Celine and 363 00:17:35.839 --> 00:17:39.079 mister Neely, and I asked him to call either my 364 00:17:39.240 --> 00:17:42.039 cell number or better yet, call Kelly's number at the 365 00:17:42.119 --> 00:17:45.000 studio and just discuss this with us on the air. 366 00:17:45.119 --> 00:17:49.119 All right, thank you? Three oh three seven one three talk? 367 00:17:49.359 --> 00:17:49.559 Ray? 368 00:17:50.839 --> 00:17:52.160 What's going on with you? Ray? 369 00:17:53.000 --> 00:17:53.839 Uh? Never? 370 00:17:54.079 --> 00:17:57.480 My wife never got her favor free fun. 371 00:17:57.759 --> 00:17:59.839 From when from twenty twenty three? 372 00:18:00.839 --> 00:18:01.039 Yeah? 373 00:18:02.240 --> 00:18:03.559 Really, Yeah? 374 00:18:03.599 --> 00:18:07.839 I got my deposits in my in the same credit 375 00:18:07.920 --> 00:18:09.559 you mean I got my you know, but you never 376 00:18:09.640 --> 00:18:09.880 got it. 377 00:18:10.640 --> 00:18:12.279 Do you know where to go for help on that? 378 00:18:13.039 --> 00:18:13.319 Nope? 379 00:18:14.319 --> 00:18:21.319 Well there's the state has a site. Uh really, let 380 00:18:21.359 --> 00:18:26.480 me say, I'm looking it up right now. Did you file? 381 00:18:26.599 --> 00:18:28.000 Did you guys smile jointly? 382 00:18:29.519 --> 00:18:30.440 Now we filed together? 383 00:18:30.920 --> 00:18:31.119 Yeah? 384 00:18:31.160 --> 00:18:35.200 Okay, the Tabor refund help is right here. I'm looking 385 00:18:35.240 --> 00:18:35.880 it up right now. 386 00:18:36.599 --> 00:18:37.160 It is. 387 00:18:38.799 --> 00:18:43.680 Uh for uh yeah, it's well, how much did you get? 388 00:18:44.519 --> 00:18:45.039 I got eight? 389 00:18:45.119 --> 00:18:50.720 Other that might be for a couple. Oh oh wait 390 00:18:50.759 --> 00:18:53.440 wait wait if you filed jointly, you don't get two 391 00:18:53.519 --> 00:18:54.559 separate checks anyway. 392 00:18:56.519 --> 00:18:59.119 Yeah, what you're well, I'm sorry what you taxed your 393 00:18:59.319 --> 00:19:00.519 twenty two or twenty three? 394 00:19:00.720 --> 00:19:04.160 Twenty three? He said, yeah, forty three, you don't get 395 00:19:04.400 --> 00:19:08.160 You don't get two separate checks as a couple. So 396 00:19:08.599 --> 00:19:09.440 you got your check? 397 00:19:09.519 --> 00:19:13.799 Bro, he just so my account. But she's got an 398 00:19:13.799 --> 00:19:14.359 account too. 399 00:19:15.359 --> 00:19:18.599 Well did she file separately? No, she should get sick. 400 00:19:18.720 --> 00:19:22.039 It should be sixteen hundred. Are you sure find yeah, 401 00:19:22.039 --> 00:19:25.200 I'm staring at it for twenty three? Yes, yeah, oh. 402 00:19:27.000 --> 00:19:32.680 Hold on, yeah, you filed jointly, it should be sixteen hundred. Okay, 403 00:19:32.799 --> 00:19:34.920 but it's one check, right, got it? Okay, so he 404 00:19:35.039 --> 00:19:36.359 got less than he should have. 405 00:19:37.680 --> 00:19:41.039 Did you Okay, she filed, she filed it. 406 00:19:41.200 --> 00:19:44.359 No, you're right, it is it is sixteen hundred. Absolutely. 407 00:19:44.599 --> 00:19:46.960 I have a feeling the problem is going to lie 408 00:19:47.039 --> 00:19:52.400 in your state return. It's tax dot Colorado dot gov. Okay, 409 00:19:53.240 --> 00:19:55.920 and you know, look at they do have a link 410 00:19:55.960 --> 00:19:59.599 there for the tabor of questions. I mean, really I 411 00:19:59.720 --> 00:20:02.200 think that have you ever con have you ever gone 412 00:20:02.240 --> 00:20:04.640 to that website and made an inquiry? 413 00:20:05.480 --> 00:20:08.920 No, I haven't earn money. I got mine, So she 414 00:20:09.119 --> 00:20:10.319 just I just found out about it. 415 00:20:10.440 --> 00:20:11.319 So that's what I talk. 416 00:20:11.400 --> 00:20:13.480 Oh yeah, no, no, it's yeah, of course you want 417 00:20:13.559 --> 00:20:16.119 her to have her money for sure. Absolutely, And again 418 00:20:16.480 --> 00:20:17.839 it should have been in that one check. 419 00:20:18.319 --> 00:20:21.039 It's going to be a problem on that refund, the 420 00:20:21.160 --> 00:20:21.960 state refund. 421 00:20:22.519 --> 00:20:25.519 Now, art, I just are you said you called a 422 00:20:25.559 --> 00:20:28.640 couple of months ago? Is that right about? Hold on 423 00:20:28.799 --> 00:20:31.039 one second time? Really quick on TABOR. 424 00:20:31.200 --> 00:20:36.000 So next year, interestingly enough, I think all three mechanisms 425 00:20:36.039 --> 00:20:40.000 will be triggered a tax refund I think on property taxes, 426 00:20:40.200 --> 00:20:43.440 I think on sales tax and something else. But I 427 00:20:43.480 --> 00:20:48.039 think there's one point seven billion dollars coming back to taxpayers. 428 00:20:48.240 --> 00:20:50.640 The reason I bring it's less this year. I heard 429 00:20:50.680 --> 00:20:52.640 it's going to be less though for twenty twenty four, 430 00:20:53.279 --> 00:20:54.960 like less money. 431 00:20:55.400 --> 00:20:58.359 Well, I'm just telling you there's one point seven that's 432 00:20:58.440 --> 00:21:01.240 going to be for twenty twenty five TABOR refunds. But 433 00:21:01.599 --> 00:21:04.920 here's the deal. Watch these elections. There's a lot of 434 00:21:05.039 --> 00:21:08.720 tricky stuff in there. That I'm trying to retax. The 435 00:21:08.880 --> 00:21:11.599 main thing to look for is most of these questions 436 00:21:11.680 --> 00:21:14.559 will start out, do you want to increase taxes? 437 00:21:14.799 --> 00:21:17.359 But some of them are really tricky the way they 438 00:21:17.440 --> 00:21:17.920 write these. 439 00:21:18.039 --> 00:21:20.319 Now, remember how we all got tricked, or at least 440 00:21:20.359 --> 00:21:23.799 I didn't, but a lot of listeners and Democrats got tricked, 441 00:21:24.039 --> 00:21:26.839 and these liberals got tricked by their own people into 442 00:21:27.000 --> 00:21:30.440 us having the highest property taxes basically in the country. 443 00:21:30.880 --> 00:21:33.119 I know, I know, that's what the Gallagher Amendment, and 444 00:21:33.559 --> 00:21:36.559 they did away with this thing that would have that. 445 00:21:36.640 --> 00:21:39.000 If they want more money, you say no. I don't 446 00:21:39.039 --> 00:21:41.640 give a crap what the money's for. All they do 447 00:21:41.839 --> 00:21:45.799 is waste the money. If they want more money, say no. 448 00:21:46.400 --> 00:21:50.400 The height of all insults is when Governor Polus had 449 00:21:50.480 --> 00:21:52.599 the nerve to make it sound like he was doing 450 00:21:52.680 --> 00:21:56.839 this out of the goodness of his policies and heart. Okay, 451 00:21:57.039 --> 00:21:59.960 refund do you remember that it was crazy our taxes 452 00:22:00.279 --> 00:22:02.680 And by the way, only one, only one reporter in 453 00:22:02.799 --> 00:22:06.720 town nailed them on it. Only one TV reporter local, Well, 454 00:22:07.039 --> 00:22:09.599 Sean it all the time. Yeah, but Sean Boyd over 455 00:22:09.640 --> 00:22:12.240 at Channel four, And I'll tell you what Denian News 456 00:22:12.720 --> 00:22:18.599 they never. They never cover anything negative, anything negative on 457 00:22:18.720 --> 00:22:22.559 progressive never not once and uh and and you tell 458 00:22:22.599 --> 00:22:24.599 them there's a problem. Well, it's my new name for 459 00:22:24.680 --> 00:22:25.720 him Denian News. 460 00:22:26.160 --> 00:22:28.519 The worst out there that I've heard of recently was 461 00:22:28.599 --> 00:22:32.559 the CBS sixty Minutes where Kamala answered. 462 00:22:32.599 --> 00:22:36.559 The same question with Okay, they did that, and they 463 00:22:36.680 --> 00:22:39.440 took they took the better answer. Well, no, they got 464 00:22:39.599 --> 00:22:43.119 rid of the actual answer and then kind of edited 465 00:22:43.200 --> 00:22:46.640 stuff together to give another answer. I mean it was crazy. 466 00:22:47.279 --> 00:22:49.319 I know that that is wrong. I mean, come on, 467 00:22:49.519 --> 00:22:52.359 that's wrong. Anyway. Three oh three seven one three talk 468 00:22:52.440 --> 00:22:56.440 seven one three eight two five five aren't your dental issue. 469 00:22:57.039 --> 00:23:00.240 We'll take right after this. I'm looking I'm looking at up. 470 00:23:00.359 --> 00:23:03.119 If you use that name, give me some other keywords 471 00:23:03.160 --> 00:23:05.720 so I can search this. Waterpros dot net will get 472 00:23:05.759 --> 00:23:08.240 you the best water systems at the lowest prices. They 473 00:23:08.359 --> 00:23:12.319 have this new special that is just off the charts. 474 00:23:12.400 --> 00:23:15.640 I'm telling you you get a whole house water softener 475 00:23:16.599 --> 00:23:21.880 and reverse osmosis drinking water, triple filter reverse osmosis all 476 00:23:22.680 --> 00:23:26.000 for thirty one ninety five. A plumber, I swear to 477 00:23:26.039 --> 00:23:28.759 you would start at twelve thirteen grand for this and 478 00:23:29.359 --> 00:23:32.119 even water Pros would have been more than that. That's 479 00:23:32.200 --> 00:23:36.240 Waterpros dot net and it's three oh three eight six 480 00:23:36.359 --> 00:23:39.720 two five five five four. It's only for this season. 481 00:23:43.160 --> 00:23:46.400 Go with a sure thing Denver's best roofer Excel Roofing 482 00:23:46.519 --> 00:23:49.160 dot com. You don't pay a cent until you're content. 483 00:23:52.559 --> 00:23:55.680 Time for an insurance check up free, no obligation comparison 484 00:23:55.880 --> 00:23:59.400 call Compass Insurance paying too much your coverage at dozens 485 00:23:59.440 --> 00:24:01.759 of insurance companies to find out now three O three 486 00:24:01.920 --> 00:24:04.480 seven seven to one help. You'll think you're his only 487 00:24:04.599 --> 00:24:07.039 customer when you choose Frank durand the real estate Man 488 00:24:07.119 --> 00:24:10.519 dot com to list your home with Remax Alliance three 489 00:24:10.759 --> 00:24:16.839 three nine two zero sixteen twenty two. Hey Tom Martino, 490 00:24:17.079 --> 00:24:20.119 your troubleshooter three O three seven one three talks seven 491 00:24:20.160 --> 00:24:22.160 one three eight two five five. Art has a follow 492 00:24:22.240 --> 00:24:24.440 up on this dental issue. 493 00:24:24.599 --> 00:24:24.759 Art. 494 00:24:25.759 --> 00:24:26.839 When did you call, sir? 495 00:24:28.400 --> 00:24:28.519 Oh? 496 00:24:28.559 --> 00:24:31.000 I say about six months, six weeks ago? 497 00:24:31.640 --> 00:24:34.640 Oh, okay, so it was pretty recently. Okay, let's talk 498 00:24:34.680 --> 00:24:36.880 about it because I can't find your call, but go ahead, sir. 499 00:24:38.240 --> 00:24:41.519 Yeah, we called six weeks ago because we could not 500 00:24:41.640 --> 00:24:43.680 get money back from thessurance company. 501 00:24:44.079 --> 00:24:46.400 Did you use the name art when you called. 502 00:24:47.640 --> 00:24:47.799 Yes. 503 00:24:48.200 --> 00:24:51.160 Okay, So anyway, talk to me about it. What's going on? 504 00:24:52.400 --> 00:24:54.759 So we got the money back from the insurance company, 505 00:24:54.839 --> 00:24:55.680 seven hundred dollars. 506 00:24:55.799 --> 00:24:58.440 Thank you. Can you tell us what that issue was. 507 00:24:58.519 --> 00:25:00.319 I'm trying to remember the issue shoe. 508 00:25:01.559 --> 00:25:06.680 Yeah, she had a six hundred dollars procedure. Insurance they charged, 509 00:25:06.720 --> 00:25:10.880 the provider charged thirteen hundred, and we got the seven 510 00:25:10.960 --> 00:25:11.480 hundred back. 511 00:25:12.079 --> 00:25:16.759 Okay, excellent, excellent. Do you know who you worked with? 512 00:25:20.440 --> 00:25:21.599 Do you remember who you worked with? 513 00:25:22.039 --> 00:25:22.079 What? 514 00:25:22.240 --> 00:25:22.680 Deputy? 515 00:25:24.400 --> 00:25:26.880 No, no, deputy, we did it on our own. 516 00:25:27.160 --> 00:25:29.519 Oh good, excellent. How did you do it? Sir? 517 00:25:31.480 --> 00:25:33.519 Just kept after him, after him, and then they finally 518 00:25:33.599 --> 00:25:35.400 sent that check to the insurance company. 519 00:25:36.240 --> 00:25:42.160 Okay. You know one thing very frustrating is dealing with that. 520 00:25:42.440 --> 00:25:44.079 I want to talk to John Jones. 521 00:25:44.160 --> 00:25:47.039 Wait wait, wait, though, I just missed something. So they 522 00:25:47.200 --> 00:25:51.079 sent the the insurance company the money. So you didn't 523 00:25:51.079 --> 00:25:51.920 get the money back. 524 00:25:52.000 --> 00:25:55.759 You never paid it. The insurance company did, Yeah. 525 00:25:55.720 --> 00:25:57.440 Went back into her account. 526 00:25:58.319 --> 00:26:00.680 Yeah. Yeah, I don't know. 527 00:26:00.759 --> 00:26:04.440 Wait, I still don't know what that means. So you 528 00:26:04.640 --> 00:26:08.519 never saved any money? Ensure you help the insurance company 529 00:26:08.640 --> 00:26:09.400 save money. 530 00:26:10.680 --> 00:26:11.079 Correct. 531 00:26:11.359 --> 00:26:15.000 Okay, listen, A lot of people get upset about that. 532 00:26:15.759 --> 00:26:16.359 Even if I. 533 00:26:16.400 --> 00:26:19.119 Don't trust one insurance company out there, they're all buddy. 534 00:26:19.160 --> 00:26:25.440 So John Jones Junior JJJ. Let's talk what about when 535 00:26:25.519 --> 00:26:29.599 you know there's a like do insurance company's care when 536 00:26:29.599 --> 00:26:31.640 you find like this, I mean, if you think that 537 00:26:31.799 --> 00:26:34.880 the insurance company is overpaying sure? 538 00:26:35.079 --> 00:26:37.599 I mean, and they have appills processes you can walk 539 00:26:37.680 --> 00:26:39.519 through with the insurance care to make sure that things 540 00:26:39.519 --> 00:26:42.680 are being paid properly. Pay attention to your eob's explanation 541 00:26:42.720 --> 00:26:43.599 of benefits and all of that. 542 00:26:43.960 --> 00:26:48.680 Tell me does do the frequency of claims have a 543 00:26:48.799 --> 00:26:52.759 bearing on you getting insurance? Like you know, if you 544 00:26:52.880 --> 00:26:57.559 do a lot of prescription drugs, can a prescription drug 545 00:26:57.640 --> 00:27:01.599 plan for let's say seniors on Part D? Can they discriminate? 546 00:27:01.759 --> 00:27:05.920 Not discriminate? But can they rate you accordingly? Not at all? No, No, sir? 547 00:27:06.160 --> 00:27:06.440 Okay? 548 00:27:06.799 --> 00:27:09.799 What can you be rated on tobacco use? And no, 549 00:27:10.160 --> 00:27:11.400 not even all carriers do that. 550 00:27:11.880 --> 00:27:13.519 But if you're a smoker, I could see. 551 00:27:13.400 --> 00:27:16.680 That you can have a ten fifteen or so percent 552 00:27:17.559 --> 00:27:18.160 I'm going to ask. 553 00:27:18.119 --> 00:27:20.880 Another Yeah, but if you suck down big gulps like 554 00:27:21.039 --> 00:27:22.079 nobody's business. 555 00:27:22.240 --> 00:27:25.880 I mean they don't, which is ridiculous. They don't even know. Okay, 556 00:27:26.000 --> 00:27:29.880 I have another question if you're a UFC fighter, I mean, really, 557 00:27:30.039 --> 00:27:33.200 do they ever look at occupations? John parachuting? 558 00:27:33.559 --> 00:27:34.480 Not for health insurance? 559 00:27:34.559 --> 00:27:35.160 No, sir? 560 00:27:35.799 --> 00:27:36.640 What about accident? 561 00:27:36.880 --> 00:27:37.000 Well? 562 00:27:37.039 --> 00:27:38.279 Wait, how about military? 563 00:27:38.759 --> 00:27:38.920 Well? 564 00:27:38.960 --> 00:27:41.319 I guess they have their own coverage. I wanting to 565 00:27:41.359 --> 00:27:43.880 ask you something else. I know a young person looking 566 00:27:43.880 --> 00:27:47.599 at a motorcycle and I said, the biggest problem with 567 00:27:47.759 --> 00:27:51.039 motorcycles is not your liability so much as it is 568 00:27:51.119 --> 00:27:53.799 your medical payments and your health and not you know, 569 00:27:53.920 --> 00:27:57.240 your your your own health, okay, because you're most likely 570 00:27:57.319 --> 00:27:59.039 going to get hurt, end up in a hospital, and 571 00:27:59.119 --> 00:28:01.119 you're gonna run out really quick if you get five 572 00:28:01.200 --> 00:28:04.559 thousand dollars in medpay or if you get whatever. So 573 00:28:05.599 --> 00:28:10.240 my question is do they have accident health insurance just 574 00:28:10.359 --> 00:28:12.880 for accidents that you can get sure? 575 00:28:13.000 --> 00:28:16.039 But yes, So they're like a supplement, an accident supply. 576 00:28:16.240 --> 00:28:19.119 It covers accidents specific up to X amount dollars, maybe 577 00:28:19.200 --> 00:28:21.039 say ten thousand dollars, but not a lot. 578 00:28:21.160 --> 00:28:23.599 You can't get like big cover, correct, But I have 579 00:28:24.119 --> 00:28:24.759 it through them. 580 00:28:24.960 --> 00:28:27.559 Yeah, it's it exists to cover your high deductible or 581 00:28:27.640 --> 00:28:30.079 HIMAX out of pocket. So it's a great supplement. However, 582 00:28:30.119 --> 00:28:34.359 there are exclusions like clans. Yeah, yes, sir, well it 583 00:28:34.400 --> 00:28:36.839 could be, it could be. It's but they typically have 584 00:28:36.920 --> 00:28:38.359 to do with extreme No, I. 585 00:28:38.400 --> 00:28:41.319 Get activities, right, because otherwise that's a cheap way to 586 00:28:41.359 --> 00:28:41.960 get insured. 587 00:28:42.200 --> 00:28:42.400 Tom. 588 00:28:42.559 --> 00:28:46.039 I have one through them that covers fifteen thousand dollars 589 00:28:46.160 --> 00:28:50.960 for er bills period and it's one hundred percent reimbursable. 590 00:28:51.039 --> 00:28:54.160 So in other words, really, if my health insurance ends 591 00:28:54.279 --> 00:28:56.359 up paying for it, I still get a check for 592 00:28:56.480 --> 00:28:59.519 fifteen thousand dollars insurance is that Yeah, And I've actually 593 00:28:59.680 --> 00:29:03.799 had it. I've actually used it on my daughter years ago. Well, 594 00:29:03.880 --> 00:29:05.519 we got a check for fifteen grand. 595 00:29:05.720 --> 00:29:09.480 Accident plans are actually very very affordable four so they're 596 00:29:09.519 --> 00:29:10.400 an override. 597 00:29:10.720 --> 00:29:12.720 An accident plan doesn't ask questions. 598 00:29:13.960 --> 00:29:16.319 No, well, you've got to prove you were it, Okay, 599 00:29:16.440 --> 00:29:18.759 you have to prove as far as yeah, absolutely at 600 00:29:18.839 --> 00:29:21.440 the time of claim, right right, You're gonna have to 601 00:29:21.440 --> 00:29:22.000 have to. 602 00:29:21.960 --> 00:29:25.000 Be a legit claim. But what I mean is it 603 00:29:25.119 --> 00:29:27.599 doesn't matter, as Mark was saying, if his health insurance 604 00:29:28.000 --> 00:29:28.880 did paid for it. 605 00:29:29.359 --> 00:29:29.880 No, it doesn't. 606 00:29:29.920 --> 00:29:32.559 Well, some accident plans do coordinate benefits with your health 607 00:29:32.559 --> 00:29:35.000 insurance plans, so they'll only pay up to your deductible amount. 608 00:29:35.119 --> 00:29:37.119 Some don't coordinate benefits, so they pay up to the 609 00:29:37.160 --> 00:29:39.039 full benefit amount of the plan no matter what. 610 00:29:39.279 --> 00:29:41.839 Correct, Yes, sir, and Mark got that, yes sir, not 611 00:29:42.000 --> 00:29:44.640 only that in that same accident, so my my daughter 612 00:29:44.759 --> 00:29:46.200 got rear ended, ended. 613 00:29:46.119 --> 00:29:47.599 Up at the er. 614 00:29:47.759 --> 00:29:51.559 We got the full fifteen thousand plus John Fuller knew 615 00:29:51.640 --> 00:29:55.200 exactly how to direct the medpay so we basically got that. 616 00:29:55.359 --> 00:29:57.720 Money as well. I mean, it was ridiculous. They just 617 00:29:57.799 --> 00:29:59.880 wrote it. If you, if you did a spreadsheet of 618 00:30:00.160 --> 00:30:04.720 of checks, of debits and credits on Mark's life, on 619 00:30:04.880 --> 00:30:09.599 paying insurance and getting benefits. This man is ahead of 620 00:30:09.720 --> 00:30:12.480 the game, head of the insurance game. How many people 621 00:30:12.559 --> 00:30:13.839 get ahead of the insurance game. 622 00:30:14.319 --> 00:30:17.319 Well, so anybody that gets really sick, I mean and 623 00:30:17.400 --> 00:30:19.200 intugert we try to we build it, We look at 624 00:30:19.240 --> 00:30:19.960 it comprehensively. 625 00:30:20.079 --> 00:30:22.720 Right, how do you typically come out insurance in general? Mark, 626 00:30:22.759 --> 00:30:24.200 with your house and everything go go ahead? 627 00:30:24.240 --> 00:30:25.799 Yeah, how do you plan to you Like a lot 628 00:30:25.880 --> 00:30:27.839 of people are healthy and they don't plan, so they 629 00:30:28.000 --> 00:30:30.440 get these high deductible, high max out of pocket health 630 00:30:30.440 --> 00:30:32.799 insurance plans, but then they have that financial exposure. So 631 00:30:32.880 --> 00:30:34.759 that's the point of an accident plan. Let's add something 632 00:30:34.799 --> 00:30:37.599 on for a lot, you know, for an affordable premium 633 00:30:37.680 --> 00:30:39.319 twenty thirty bucks a month extra. 634 00:30:39.440 --> 00:30:42.119 And I got to take this break. And again the 635 00:30:42.240 --> 00:30:46.000 YouTube pole is bogus and they're just busting my shops 636 00:30:46.119 --> 00:30:50.519 as always three all three seven. He took a YouTube poll. 637 00:30:50.799 --> 00:30:53.519 Am I a closeted liberal? Come on, No one in 638 00:30:54.160 --> 00:30:56.839 a million years could accuse me of being liberal. Maybe 639 00:30:56.920 --> 00:30:59.279 on some social issues where I don't care. I don't 640 00:30:59.279 --> 00:31:02.359 call that liberal. I call it letting just people who cares. 641 00:31:02.960 --> 00:31:06.920 And then on fiscal stuff come on, and education, I 642 00:31:07.000 --> 00:31:08.880 guess the people are liars. Tom. 643 00:31:08.960 --> 00:31:12.759 It's called a libertarian, which is very which is what 644 00:31:12.880 --> 00:31:13.519 I think you are. 645 00:31:13.680 --> 00:31:16.599 No, he's so far from libertarian it's not even funny. 646 00:31:16.599 --> 00:31:18.039 He want free college for all. 647 00:31:18.640 --> 00:31:22.119 I mark, free college has nothing to do with liberal 648 00:31:22.240 --> 00:31:24.519 or conservative. It has to do with actually, no, it's 649 00:31:24.599 --> 00:31:25.519 at libertarian. 650 00:31:25.759 --> 00:31:30.319 Libertarian government stays out of everything, Doc, and most people 651 00:31:30.440 --> 00:31:32.079 don't want government out of everything. 652 00:31:32.839 --> 00:31:34.839 I want government. I wasn't talking about the government. 653 00:31:34.920 --> 00:31:37.680 Well, they're involved in healthcare, they're involved in everything in 654 00:31:37.759 --> 00:31:40.680 our lives quite frankly, so you're far from a libertarian. 655 00:31:41.640 --> 00:31:48.640 I'm Tom Martinez. We got more coming up. Go with 656 00:31:48.759 --> 00:31:52.160 a sure thing Denver's best roofer Excel Roofing dot com. 657 00:31:52.359 --> 00:31:58.039 You don't pay a cent until you're content. Time for 658 00:31:58.079 --> 00:32:01.839 an insurance check up free, no obliging comparison call Compass 659 00:32:01.920 --> 00:32:05.160 Insurance paying too much your coverage at dozens of insurance 660 00:32:05.200 --> 00:32:07.680 companies find out now three all three seven to seven 661 00:32:07.720 --> 00:32:10.480 to one. Help. You'll think you're his only customer when 662 00:32:10.480 --> 00:32:12.759 you choose Frank durand the real estate man dot com 663 00:32:13.000 --> 00:32:16.119 to list your home with Remax Alliance three all three 664 00:32:16.200 --> 00:32:21.920 nine two zero sixteen twenty two. Hi Tom Martino, you're 665 00:32:22.000 --> 00:32:25.680 troubleshooter three all three seven one three talk seven one 666 00:32:25.799 --> 00:32:31.480 three eight two five five let's uh continue we have 667 00:32:31.880 --> 00:32:33.880 he wants to say something else, He said, Art, he 668 00:32:34.000 --> 00:32:36.559 called about his dental issue and said that he had 669 00:32:36.640 --> 00:32:39.400 called and got that taken care of, and it was 670 00:32:39.480 --> 00:32:41.799 dental insurance and he felt they overpaid. 671 00:32:41.839 --> 00:32:44.960 Go ahead, Art, Yes, we have a bigger poem. 672 00:32:45.079 --> 00:32:48.519 She had a forty five thousand dollars implants and they failed. 673 00:32:50.799 --> 00:32:54.279 If they failed, Okay, was there any I mean, I 674 00:32:54.359 --> 00:32:57.000 don't know if any warranties on that. It could be bone, 675 00:32:57.079 --> 00:32:59.960 it could Was it because of a malpractice kind of thing, 676 00:33:00.680 --> 00:33:05.200 or was it that that's what you're saying ARC. Did 677 00:33:05.279 --> 00:33:08.720 you have someone verify that to two. 678 00:33:08.640 --> 00:33:11.119 Different implant specialists wents? 679 00:33:11.200 --> 00:33:14.400 Oh, then you better hold on, sir, You better hold on. 680 00:33:14.559 --> 00:33:18.960 If you truly had two other implant people say it 681 00:33:19.160 --> 00:33:22.400 was malpracticed or it was done wrong, then then this 682 00:33:22.640 --> 00:33:25.240 is a whole separate issue. Hang on and we'll come 683 00:33:25.319 --> 00:33:28.079 back to you. I'm Tom Martinez. We have John Jones 684 00:33:28.160 --> 00:33:30.599 Integra Insurance. By the way, don't ever try to do 685 00:33:30.759 --> 00:33:34.400 that alone. They will save you money. Health insurance made 686 00:33:34.480 --> 00:33:40.839 simple and smart. That's Integra Insurance dot com. We love 687 00:33:40.920 --> 00:33:43.960 these guys. Three oh three four six six fifty five hundred. 688 00:33:44.039 --> 00:33:49.640 We have more coming up on the Troubleshooter Show. Go 689 00:33:49.799 --> 00:33:53.359 with a sure Thing Denver's Best Roofer Excel Roofing dot com. 690 00:33:53.559 --> 00:33:59.279 You don't pay a cent until you're content. Time for 691 00:33:59.319 --> 00:34:03.039 an insurance Yeah, cup free, no obligation comparison call Compass 692 00:34:03.119 --> 00:34:06.400 insurance paying too much your coverage at dozens of insurance 693 00:34:06.440 --> 00:34:08.960 companies find out now three oh three seven seven to 694 00:34:09.000 --> 00:34:11.760 one help. You'll think you're his only customer when you 695 00:34:11.880 --> 00:34:14.280 choose Frank durand the real estate man dot com to 696 00:34:14.400 --> 00:34:17.559 list your home with Remax Alliance. Three oh three nine 697 00:34:17.599 --> 00:34:19.079 two zero sixteen twenty two. 698 00:34:20.239 --> 00:34:30.239 Yeah, news needs you don't have. 699 00:34:32.440 --> 00:34:34.920 Come run in astas as we can. 700 00:34:36.159 --> 00:34:40.440 Shooter's gonna help coming man, This is. 701 00:34:40.480 --> 00:34:46.000 The Troubleshooter Show. Now, Tom Martino, Hey, Tom Martino here, 702 00:34:46.079 --> 00:34:48.719 Welcome to the show. Three oh three seven one three 703 00:34:48.840 --> 00:34:51.360 talks seven one three eight two five five. Okay, Mark, 704 00:34:52.199 --> 00:34:54.280 I'll take you full screen here by the way, those 705 00:34:54.559 --> 00:34:57.400 streaming marks showing us some visual aids here. He's got 706 00:34:57.480 --> 00:35:02.639 a he's got a life size image of Donald Trump. 707 00:35:02.719 --> 00:35:05.599 He's showing us there he is in the background, by 708 00:35:05.639 --> 00:35:07.800 the way, Welcome to the show. Everyone who's not on 709 00:35:07.880 --> 00:35:10.280 YouTube or streaming us, you can always go to the 710 00:35:10.880 --> 00:35:13.920 Troubleshooter Network page and get it. But yeah, we see 711 00:35:14.000 --> 00:35:17.199 that Mark's let me let me put it live here. Yeah, okay, anyway, 712 00:35:17.239 --> 00:35:18.960 three h three seven one three talk. Let's go to 713 00:35:19.039 --> 00:35:21.559 the phones and make your life a little easier. Anything 714 00:35:21.639 --> 00:35:23.840 you can, anything you need, you give us a call 715 00:35:24.079 --> 00:35:26.239 if you have a problem, question your complaint, because this 716 00:35:26.360 --> 00:35:33.519 one is really serious. Art has a serious issue. He said, 717 00:35:33.960 --> 00:35:36.079 he has a faulty Well, his wife has a faulty 718 00:35:36.239 --> 00:35:40.920 dental implant. Yes, and I want to take that right now. 719 00:35:41.079 --> 00:35:45.800 So go ahead and tell us about that faulty implant. Art, 720 00:35:46.280 --> 00:35:47.239 tell me what's going on. 721 00:35:48.519 --> 00:35:50.960 He went to two specialists and both of them said 722 00:35:51.039 --> 00:35:53.079 it was installed incorrectly. 723 00:35:53.280 --> 00:35:56.679 Now, Art, when when did she have it done? I 724 00:35:56.800 --> 00:35:58.039 need a timeline here. 725 00:35:59.039 --> 00:36:04.400 Thanks to see and surgical placement implants were on one 726 00:36:04.679 --> 00:36:07.079 twenty of a twenty two. 727 00:36:08.039 --> 00:36:14.079 Okay, name plan in one twenty of twenty two, right, okay, and. 728 00:36:14.159 --> 00:36:19.920 The plan was in tough pill So it's placed on 729 00:36:20.039 --> 00:36:20.920 those dates. 730 00:36:21.960 --> 00:36:26.360 On one twenty twenty two correctly. That was the last visit. 731 00:36:27.960 --> 00:36:28.159 I know. 732 00:36:28.360 --> 00:36:31.360 She had a cleaning on four to ten of this year. 733 00:36:32.000 --> 00:36:35.400 No, no, no, I meant on the implant people, they 734 00:36:35.480 --> 00:36:39.119 implanted it one twenty twenty two. But did they she 735 00:36:39.280 --> 00:36:42.960 get she got the implant, that's the screw into the bone. 736 00:36:43.360 --> 00:36:46.280 When did she get the restoration? When did she get 737 00:36:46.320 --> 00:36:48.559 the restoration which is the tooth part of. 738 00:36:48.559 --> 00:36:51.840 It, the tooth part. Let me see, I'm looking at 739 00:36:51.880 --> 00:36:56.960 the procedure. I don't have the dates on that right now, I'm. 740 00:36:56.840 --> 00:36:59.559 Looking Okay, now, all right, Now here's what I want 741 00:36:59.599 --> 00:37:02.360 to know. What was faulty? 742 00:37:04.679 --> 00:37:09.760 According to the added two specialists, it was let me see, 743 00:37:09.800 --> 00:37:14.320 I got it right here. When they implanted it, they 744 00:37:14.400 --> 00:37:19.400 put the bottom two, I mean bottom five implants too 745 00:37:19.519 --> 00:37:20.440 close to the nerve. 746 00:37:21.000 --> 00:37:23.639 So she waited. She had several implants then for a 747 00:37:23.679 --> 00:37:25.239 whole set of dentures. 748 00:37:25.880 --> 00:37:29.480 Direct yet two piece one top one boughty. 749 00:37:29.639 --> 00:37:34.320 Okay, so no, I get it for dentures. Okay. Now, 750 00:37:35.960 --> 00:37:43.519 then then you said it's faulty. Okay. But the two 751 00:37:43.599 --> 00:37:46.280 specialists were they implant doctors? 752 00:37:47.159 --> 00:37:48.000 Yes, they are both. 753 00:37:49.840 --> 00:37:56.519 Uh okay, now they will they put that in writing 754 00:37:56.639 --> 00:37:56.920 for you. 755 00:37:58.760 --> 00:38:01.480 I'm not too sure. One of as I said, would that? 756 00:38:01.639 --> 00:38:04.360 Would you consider that malpractice? And he said, I can't 757 00:38:04.440 --> 00:38:04.960 use that word. 758 00:38:05.440 --> 00:38:08.679 Okay, here's the problem. If he can't use the word, 759 00:38:08.760 --> 00:38:12.599 you can't use the word. If you cannot get another 760 00:38:12.840 --> 00:38:17.559 dentist to say it was malpractice, you will. That is 761 00:38:17.719 --> 00:38:21.199 one of the requirements of a malpractice lawsuit. 762 00:38:21.960 --> 00:38:24.559 It would cost a fortune to get that as well, 763 00:38:24.960 --> 00:38:27.000 just to get to court. I think all that work 764 00:38:27.079 --> 00:38:29.760 being done over would cost quite a bit less. 765 00:38:30.239 --> 00:38:33.280 Yes, okay, Now, Here's what I want to know. I 766 00:38:33.360 --> 00:38:36.000 want to know this. Did any of them say they 767 00:38:36.039 --> 00:38:37.639 would use the word malpractice? 768 00:38:39.440 --> 00:38:43.000 Well, when I asked the specialist, I said, would you 769 00:38:43.079 --> 00:38:45.360 consider that malpractice? And they're like shook his head, but 770 00:38:45.440 --> 00:38:47.280 he said, I can't use that word. 771 00:38:48.239 --> 00:38:51.199 Well, okay, well then he doesn't believe it's malpractice. 772 00:38:54.519 --> 00:38:58.039 Well all these we got all the X rays and everything, 773 00:38:58.039 --> 00:39:00.719 and it's really bad job, it's crooked. 774 00:39:01.119 --> 00:39:04.960 But he did not say it was malpractice. You do 775 00:39:05.159 --> 00:39:09.000 not have a malpractice case without finding a dentist in 776 00:39:09.119 --> 00:39:14.840 the same field who will call it malpractice. Okay, I mean, 777 00:39:14.880 --> 00:39:17.400 I'm just telling you that. Go ahead, d what do 778 00:39:17.440 --> 00:39:18.599 you have? Hold on? Go ahead? 779 00:39:18.679 --> 00:39:18.840 Tom. 780 00:39:19.000 --> 00:39:22.480 I think that if he contacts an attorney who specializes 781 00:39:22.559 --> 00:39:25.599 in malpractice suits, that attorney has a phone book full 782 00:39:25.639 --> 00:39:29.280 of dentists that he uses that do use the word malpractice. 783 00:39:29.440 --> 00:39:32.039 Oh well, sure they do, but they yeah. But if 784 00:39:32.079 --> 00:39:34.320 he can't find any on his own and he goes 785 00:39:34.360 --> 00:39:37.119 to an attorney, I doubt there are many attorneys that 786 00:39:37.159 --> 00:39:38.199 will even talk to him. 787 00:39:38.239 --> 00:39:38.440 Oh no. 788 00:39:38.519 --> 00:39:41.679 My point is the attorney will have dentists ready to 789 00:39:41.719 --> 00:39:42.880 go that he already uses in. 790 00:39:42.920 --> 00:39:47.760 Case cost him his fortune. Okay, you don't just go 791 00:39:48.039 --> 00:39:50.280 to an expert when you're when you're an attorney and 792 00:39:50.360 --> 00:39:54.199 you have experts, they're going to charge that attorney five 793 00:39:54.280 --> 00:39:58.000 grand twenty five hundred minimum. So here's what's going to happen. 794 00:39:58.280 --> 00:40:00.360 They don't do it on spec So here's what's going 795 00:40:00.400 --> 00:40:04.880 to happen. He hears from this guy that two people 796 00:40:04.960 --> 00:40:08.679 already said they don't think it's malpractice. Now, if it's 797 00:40:08.800 --> 00:40:12.159 so apparent and so terrible and the attorney thinks they 798 00:40:12.239 --> 00:40:14.920 have a shot, the attorney is going to go and 799 00:40:15.119 --> 00:40:18.239 front them. They always front the money, but eventually it 800 00:40:18.360 --> 00:40:21.039 has to come out of the proceeds. So here's what 801 00:40:21.159 --> 00:40:24.159 I'm asking, Okay, what are the damages? Because that's what 802 00:40:24.239 --> 00:40:27.000 it's all going to come down to. What what are 803 00:40:27.119 --> 00:40:27.760 the damages? 804 00:40:28.960 --> 00:40:34.559 Well, right now she has handy jaw pain. I caun't to. 805 00:40:35.679 --> 00:40:37.280 Okay, how old is she? How old is she? 806 00:40:38.760 --> 00:40:39.199 She's a. 807 00:40:41.039 --> 00:40:44.760 Seventy seventy okay? And she has all of this pain 808 00:40:44.840 --> 00:40:46.280 and suffering. How long has it been going on? 809 00:40:50.079 --> 00:40:50.559 Two years? 810 00:40:51.000 --> 00:40:53.960 Okay? And and what will it take to fix? Did 811 00:40:54.039 --> 00:40:56.679 those experts say one. 812 00:40:56.599 --> 00:41:00.960 Of them said a fool needs to be completely redone 813 00:41:01.719 --> 00:41:04.000 and they're going to try to stabilize it for now, 814 00:41:04.320 --> 00:41:08.920 but they said it probably just can't do it stabilized. 815 00:41:09.119 --> 00:41:11.199 Maybe stabilize it for three or four months. 816 00:41:11.519 --> 00:41:13.800 What do you mean by stabilize it? Is it infected? 817 00:41:15.159 --> 00:41:15.280 Uh? 818 00:41:15.480 --> 00:41:17.800 Yeah, they need to take out the screws in there 819 00:41:18.320 --> 00:41:19.159 and ty wait. 820 00:41:19.079 --> 00:41:21.320 Hold on, hold on, you just passed by that. When 821 00:41:21.360 --> 00:41:23.519 I say is it infected? 822 00:41:25.559 --> 00:41:27.039 They said that there's infection. 823 00:41:29.119 --> 00:41:35.360 Okay, that's serious. So what is she doing about the infection? 824 00:41:36.599 --> 00:41:36.760 Oh? 825 00:41:36.920 --> 00:41:39.880 While she cleans her teeth every time after she is 826 00:41:39.920 --> 00:41:40.760 she on medication? 827 00:41:42.480 --> 00:41:42.920 Not for that? 828 00:41:43.159 --> 00:41:43.760 Not right now? 829 00:41:44.199 --> 00:41:47.480 Well, then how do you say? Wait? Was she diagnosed 830 00:41:47.639 --> 00:41:51.320 with an infection and the doctor said, we're not going 831 00:41:51.440 --> 00:41:53.960 to give you antibiotics, just clean your teeth. 832 00:41:55.280 --> 00:41:57.239 Yes, they need Well, we're going in for the second 833 00:41:57.320 --> 00:42:00.119 consultation here shortly and they're. 834 00:42:00.119 --> 00:42:03.280 Just so you know, you gotta document each and everything 835 00:42:03.360 --> 00:42:06.840 you're doing and it needs treatment. You know, when people say, yeah, 836 00:42:06.880 --> 00:42:09.199 we have an infection, but they're not on antibiotics and 837 00:42:09.239 --> 00:42:11.639 the infection isn't getting worse. Is it getting better? 838 00:42:13.400 --> 00:42:15.719 It's still affecting her. I don't think it's getting I 839 00:42:15.800 --> 00:42:17.079 think it's stay the same. 840 00:42:17.400 --> 00:42:22.239 Can't Tom I can't imagine any healthcare professional thing you 841 00:42:22.400 --> 00:42:25.280 have an infection and not doing anything about it. 842 00:42:25.480 --> 00:42:26.519 Exactly, neither can I. 843 00:42:26.639 --> 00:42:27.719 It doesn't make any sense. 844 00:42:27.960 --> 00:42:31.000 Yeah, neither can I. I can't even imagine it. So, 845 00:42:31.400 --> 00:42:34.840 you know, saying she's infected, you don't understand how serious 846 00:42:34.920 --> 00:42:38.599 that is in her jaw. Okay, so is she infected 847 00:42:38.719 --> 00:42:41.320 or not? She is? She better get treatment or she's 848 00:42:41.400 --> 00:42:45.039 not gonna have malpractice because she's got to mitigate her damages. 849 00:42:45.320 --> 00:42:47.360 If she sits there for two years with an infection 850 00:42:47.679 --> 00:42:50.119 and it gets worse, guess who's fault it is hers? 851 00:42:50.800 --> 00:42:53.920 But really quick back to the malpractice. I mean, the 852 00:42:53.960 --> 00:42:56.079 first thing you gotta do is find in an attorney 853 00:42:56.159 --> 00:42:58.719 that'll take it, and if you pay, I'm sure you'll 854 00:42:58.760 --> 00:43:02.480 find one. And then once he files an action against 855 00:43:02.559 --> 00:43:06.719 that professional under Colorado law, then you have to do 856 00:43:06.960 --> 00:43:11.599 that review, the certificate of review within sixty days. That's 857 00:43:11.639 --> 00:43:14.559 where that attorney will get a professional who's also a 858 00:43:14.679 --> 00:43:17.199 dentist to see etnal will take it if But no, no, 859 00:43:17.400 --> 00:43:20.519 you're you're saying if the attorney will take it on contingency, 860 00:43:20.800 --> 00:43:23.199 there's no way they're going to take it on contingency. 861 00:43:23.519 --> 00:43:26.239 But you can come twenty grand out of pocket and 862 00:43:26.440 --> 00:43:28.679 you might be able to get to that part of 863 00:43:28.760 --> 00:43:32.119 the trial. And then let's say you come then the 864 00:43:32.199 --> 00:43:36.280 bills start really adding up. Yeah, but most malpractice is 865 00:43:36.400 --> 00:43:39.400 on contingency in the beginning. They may want you to 866 00:43:39.480 --> 00:43:42.199 invest the money to prove it's malpractice, or to at 867 00:43:42.280 --> 00:43:45.679 least get a statement of malpractice, but man, it is, 868 00:43:47.159 --> 00:43:47.920 you gotta have some. 869 00:43:49.400 --> 00:43:51.920 If there's only ten or fIF. Okay, we just said 870 00:43:51.960 --> 00:43:54.239 the same thing in different ways. I'm saying, if she 871 00:43:54.400 --> 00:43:57.519 can have everything redone, y, that's right. 872 00:43:57.800 --> 00:43:59.920 If she can have everything redone for less than fifth, 873 00:44:00.599 --> 00:44:02.400 then she ought to do it because it's going to 874 00:44:02.400 --> 00:44:03.639 be cheaper than malpractice. 875 00:44:03.760 --> 00:44:04.159 That's right. 876 00:44:05.000 --> 00:44:07.079 Now, maybe she can go ahead, sir. 877 00:44:08.039 --> 00:44:11.280 On the top, she was supposed to have six implants 878 00:44:11.320 --> 00:44:14.159 on the top, and there's only five. They charged her 879 00:44:14.239 --> 00:44:17.119 for six and they took out one. I guess the 880 00:44:17.199 --> 00:44:22.039 bone density wasn't strong enough, and so there's only five 881 00:44:22.159 --> 00:44:24.320 on top. It's supposed to be six and they never 882 00:44:24.480 --> 00:44:24.960 corrected it. 883 00:44:25.880 --> 00:44:29.320 Okay, if she doesn't have the bone density to put 884 00:44:29.360 --> 00:44:32.920 the implant, the wise thing to do was to remove 885 00:44:32.960 --> 00:44:36.440 it like they did. So that's not malpractice. 886 00:44:37.639 --> 00:44:37.840 Yeah. 887 00:44:37.960 --> 00:44:40.199 The only thing is that they were supposed to cut 888 00:44:40.480 --> 00:44:43.280 according to their implants. Specially they should have cut the 889 00:44:44.440 --> 00:44:48.800 the part of the implant that was not screwed in 890 00:44:49.800 --> 00:44:51.360 because right now her up right. 891 00:44:52.199 --> 00:44:57.320 Wait a minute, they left the sixth implant in the 892 00:44:57.440 --> 00:44:59.920 weak bone, the one that won't hold the tooth. 893 00:45:02.199 --> 00:45:05.639 No, they took the infant out, but it's still a 894 00:45:05.639 --> 00:45:08.360 little rocky and it's shaking once she choose. 895 00:45:11.000 --> 00:45:13.880 Listen, you know what our look at. This is way 896 00:45:13.920 --> 00:45:17.199 beyond our scope. Here's what you need to do. Union, 897 00:45:17.320 --> 00:45:21.119 none are Seriously, here's your barometer of whether you have 898 00:45:21.239 --> 00:45:25.119 a good case. Get all of your records together and 899 00:45:25.320 --> 00:45:29.880 go see malpractice attorneys. If you cannot get a malpractice 900 00:45:29.880 --> 00:45:32.519 attorney to take it, it is not a good case, 901 00:45:32.920 --> 00:45:40.840 I promise you. Okay, there are all kinds of malpractice 902 00:45:40.840 --> 00:45:46.760 attorneys and no, no, I don't you know Bendanelli, if 903 00:45:46.840 --> 00:45:50.079 the case is there, I know if he can see 904 00:45:50.079 --> 00:45:53.599 a case, Marco Bendonelli on the referral list would look 905 00:45:53.639 --> 00:45:58.679 at it. And Marco does pretty well, uh for malpractice, 906 00:45:58.719 --> 00:46:03.760 but there's no damn. Yeah. Malpractice is one of the 907 00:46:03.960 --> 00:46:09.239 most difficult suits to bring of any suits. Maybe premises 908 00:46:09.320 --> 00:46:11.119 liability is another one that's difficult. 909 00:46:11.159 --> 00:46:13.079 And I hate to even say this. With her age, 910 00:46:13.119 --> 00:46:16.000 she probably I'm almost sure of it. She doesn't work, 911 00:46:16.360 --> 00:46:19.079 so that there's once again different things you can't go 912 00:46:19.280 --> 00:46:22.320 after compared to if this happened to somebody that for 913 00:46:22.440 --> 00:46:25.440 the next twenty years can't perform a job, he could 914 00:46:25.480 --> 00:46:27.760 go after millions of dollars in compensation. 915 00:46:28.159 --> 00:46:31.239 But you have none of this. Now. We're not telling 916 00:46:31.280 --> 00:46:33.320 you not to speak to We're not telling you not 917 00:46:33.480 --> 00:46:35.880 to speak to an attorney, but you have to be 918 00:46:36.039 --> 00:46:41.440 really careful because it can be you know, it's tricky malpractice. 919 00:46:41.840 --> 00:46:43.920 I think what you need to do really is to 920 00:46:44.000 --> 00:46:47.239 start getting her evaluated to get this fixed. If she's 921 00:46:47.280 --> 00:46:52.360 in misery, and she really does. Maybe they want her 922 00:46:52.440 --> 00:46:56.280 to fully heal first and take care of it. I 923 00:46:56.360 --> 00:46:59.199 don't know, but you need to get a good specialist that. 924 00:47:00.880 --> 00:47:03.079 Yes, go ahead, we called. 925 00:47:03.519 --> 00:47:05.679 We called the dental Associates of Roora to see if 926 00:47:05.719 --> 00:47:09.199 they would help correct it. We called three times and 927 00:47:09.280 --> 00:47:10.079 they call back. 928 00:47:11.079 --> 00:47:13.639 Are they the ones that did the original? 929 00:47:14.960 --> 00:47:15.119 Yes? 930 00:47:16.039 --> 00:47:17.239 Is the doctor still there? 931 00:47:18.480 --> 00:47:19.119 He's still there. 932 00:47:21.000 --> 00:47:23.360 Why would you want them to correct it if you're 933 00:47:23.400 --> 00:47:24.239 claiming they did. 934 00:47:25.320 --> 00:47:27.719 Well, it's going to cost her more money to fix it. 935 00:47:27.840 --> 00:47:32.000 And if he can fix it for her, you can 936 00:47:32.079 --> 00:47:34.440 go to the dental you can go to the dental board. 937 00:47:34.760 --> 00:47:38.239 You know, if this actually if this doctor was told, 938 00:47:39.519 --> 00:47:41.880 if you were told it was improper, and this doctor 939 00:47:42.000 --> 00:47:45.880 refuses to does he refuse, does refuse to acknowledge there's 940 00:47:45.920 --> 00:47:46.400 a problem. 941 00:47:47.559 --> 00:47:48.639 Uh, he refuses to. 942 00:47:48.679 --> 00:47:49.280 Call it back. 943 00:47:50.280 --> 00:47:51.000 What's his name? 944 00:47:52.280 --> 00:47:56.039 His name is doctor Lee and he's at Dental Associates of. 945 00:47:56.079 --> 00:47:57.760 Aurora, Doctor Lee. 946 00:47:58.639 --> 00:48:01.079 Let's have Deputy Dot call over and see if Deputy 947 00:48:01.199 --> 00:48:05.920 Doc can't talk to him. Yeah, uh yeah, Now maybe 948 00:48:06.079 --> 00:48:08.079 maybe this guy will be willing to look at it 949 00:48:08.199 --> 00:48:08.719 and fix it. 950 00:48:08.800 --> 00:48:12.039 I have no idea. Yeah, Doc, First of all, we're 951 00:48:12.079 --> 00:48:14.639 gonna have to get some kind of conference call or hippa. 952 00:48:15.039 --> 00:48:17.480 But the fact that he won't call you back sucks. 953 00:48:18.880 --> 00:48:21.840 You know that that really sucks. So hang on, we're 954 00:48:21.880 --> 00:48:23.679 gonna give it over to deputy doctor. 955 00:48:23.840 --> 00:48:25.760 We start a conference call that way, but not have 956 00:48:25.800 --> 00:48:27.480 to go to that whole hip of stuff. 957 00:48:28.320 --> 00:48:31.039 Three oh three seven one three talk seven one three 958 00:48:31.079 --> 00:48:31.960 A two five five. 959 00:48:32.599 --> 00:48:32.719 Uh. 960 00:48:33.320 --> 00:48:37.119 You know Compass Insurance group. Uh, we have health insurance 961 00:48:37.159 --> 00:48:41.280 on today with Integra. Of course, Compass does the same 962 00:48:41.360 --> 00:48:47.039 thing with you for other insurance, casualty, loss, car insurance house. 963 00:48:47.159 --> 00:48:49.840 You know all of that business, and they give you 964 00:48:49.920 --> 00:48:52.880 free quotes, and they also do free comparisons to see 965 00:48:52.920 --> 00:48:54.239 if you have a great deal, and if you do, 966 00:48:54.360 --> 00:48:57.119 they'll be honest with you. Three oh three nine nine 967 00:48:57.239 --> 00:49:06.719 six nine thousand. Go with a sure thing Denver's Best 968 00:49:06.800 --> 00:49:09.639 roofer Excel Roofing dot com. You don't pay a cent 969 00:49:09.880 --> 00:49:15.880 until you're content. Time for an insurance check up, free 970 00:49:16.039 --> 00:49:20.039 no obligation comparison call Compass Insurance paying too much your 971 00:49:20.119 --> 00:49:23.039 coverage at dozens of insurance companies find out now three 972 00:49:23.119 --> 00:49:25.599 oh three seven seven to one help. You'll think you're 973 00:49:25.679 --> 00:49:28.199 his only customer when you choose Frank Durand there real 974 00:49:28.280 --> 00:49:31.280 estate man dot com to list your home with Remax 975 00:49:31.320 --> 00:49:34.320 Alliance three all three nine two zero sixteen twenty two. 976 00:49:36.679 --> 00:49:41.119 Hi Tom Martino, your troubleshooter three oh three seven one 977 00:49:41.239 --> 00:49:43.519 three talk three oh three seven one three eight two 978 00:49:43.679 --> 00:49:47.559 five five. All right, Mark, he's uh roaming around with 979 00:49:47.679 --> 00:49:51.199 his camera on YouTube. And uh people you miss at 980 00:49:51.280 --> 00:49:53.880 ratio if you don't have that alongside your radio anyway. 981 00:49:53.920 --> 00:49:56.239 Three oh three seven one three talks seven one three 982 00:49:56.360 --> 00:49:59.039 eight two five five. Okay, I turned you off there, Mark, Hey, 983 00:49:59.239 --> 00:50:00.559 reconnect with your regular camera. 984 00:50:00.679 --> 00:50:02.760 Yes, sir, just got a quick call from a lady 985 00:50:02.800 --> 00:50:04.760 about her speed Queen washer. 986 00:50:05.480 --> 00:50:07.599 Yes, I remember that one. Did you handle that one? 987 00:50:07.679 --> 00:50:10.360 I handled it, and about two weeks ago they promised 988 00:50:10.400 --> 00:50:12.079 her choosing to get a new one. 989 00:50:12.440 --> 00:50:14.599 It was delivered and hooked up yesterday. 990 00:50:15.079 --> 00:50:18.320 Oh man, that is a yes, I see it. She 991 00:50:18.559 --> 00:50:21.719 called on the seventh of October and she bought a 992 00:50:21.800 --> 00:50:24.239 new speed. Queen was having nothing but trouble, could not 993 00:50:24.360 --> 00:50:27.159 get anyone out there. And by god, I get to 994 00:50:27.239 --> 00:50:32.519 use my dinger once again. I just love using my dinger. 995 00:50:32.599 --> 00:50:34.079 You know, it's seventy one. You don't get to use 996 00:50:34.119 --> 00:50:36.079 it that much, so I'm really happy about that. 997 00:50:36.440 --> 00:50:38.000 She's a happy camper. 998 00:50:38.679 --> 00:50:42.719 Cool Jim, you have a question about something, Jim, go ahead, 999 00:50:42.800 --> 00:50:44.679 welcome to the show. What's going on? 1000 00:50:44.920 --> 00:50:45.000 Bro? 1001 00:50:45.880 --> 00:50:49.679 Yes, I have a quick question. I would like to 1002 00:50:49.800 --> 00:50:54.159 know if the leaf guards on Home Ring de Gutters 1003 00:50:54.440 --> 00:50:55.079 is worthwhile. 1004 00:50:57.119 --> 00:51:02.039 Leaf Guard, well, okay, when you say worthwhile, First of all, 1005 00:51:02.159 --> 00:51:05.079 leaf guard is an entire gutter system, isn't it. I 1006 00:51:05.159 --> 00:51:08.639 don't think it's just yes, it's it's the whole gutter 1007 00:51:09.079 --> 00:51:12.559 with the built in system. There's nothing wrong with leaf guard. 1008 00:51:12.840 --> 00:51:17.559 It's pretty good. You know, a gutter helmet. They all 1009 00:51:17.760 --> 00:51:20.760 work to a certain extent. I don't like the screens 1010 00:51:20.840 --> 00:51:23.960 they put on. But you're talking about getting all brand 1011 00:51:24.000 --> 00:51:25.239 new gutters, Is that right? 1012 00:51:25.960 --> 00:51:29.480 No, I just want the leaf guard to go on 1013 00:51:29.599 --> 00:51:30.480 top of the gutters. 1014 00:51:32.440 --> 00:51:35.920 I've never Okay, I know what you're talking you're not 1015 00:51:36.000 --> 00:51:38.239 talking about leaf guard does not go on top of 1016 00:51:38.239 --> 00:51:40.039 the gutter. But I know what you're talking about. You're 1017 00:51:40.079 --> 00:51:43.280 talking about buying some leaf protection of some kind. 1018 00:51:43.719 --> 00:51:47.760 I totally disagree on this one. I don't think you 1019 00:51:47.800 --> 00:51:49.440 should get it man. And I'll tell you why I 1020 00:51:49.559 --> 00:51:52.760 get what mark any kind of leaf protection, any kind 1021 00:51:52.760 --> 00:51:55.079 of leaf protection I want, wouldn't I get it? 1022 00:51:55.119 --> 00:51:55.880 Well, I'll tell you why. 1023 00:51:56.199 --> 00:51:59.599 It's gonna run anywhere between what three thousand in up 1024 00:52:00.199 --> 00:52:03.159 Excel roofing will come out. If you have a one 1025 00:52:03.280 --> 00:52:06.079 story house it's one hundred and ninety nine, a two 1026 00:52:06.199 --> 00:52:09.559 story two ninety nine. I have them come out twice 1027 00:52:09.599 --> 00:52:12.760 a year and clean my gutters, and it worked better 1028 00:52:12.840 --> 00:52:16.559 than anything I've had on any other house before. Including 1029 00:52:16.639 --> 00:52:20.239 those systems, and you're not. You're gonna end up paying less. 1030 00:52:20.280 --> 00:52:23.320 They're gonna be perfectly cleaned twice a year, and you'll 1031 00:52:23.519 --> 00:52:26.320 never pay what you had to for that gutter system. 1032 00:52:27.039 --> 00:52:31.239 So yeah, you're right if you can actually spend four 1033 00:52:31.400 --> 00:52:35.239 hundred a year getting them cleaned twice a year, and 1034 00:52:35.599 --> 00:52:36.719 that's that's ten. 1035 00:52:36.599 --> 00:52:40.880 They's and they're spotless when they're done, the down spouts 1036 00:52:40.880 --> 00:52:42.239 are done, everything's done. 1037 00:52:42.280 --> 00:52:47.519 They're spotless. Okay, Jim, you might want to call Excel 1038 00:52:47.599 --> 00:52:49.360 Roofing and just have them clean your gutters. 1039 00:52:50.559 --> 00:52:51.840 That sounds like the way to go. 1040 00:52:52.760 --> 00:52:55.159 Yeah, I mean, it'll save you thousands of dollars mark. 1041 00:52:55.360 --> 00:52:58.920 That's a good suggestion. Yeah, I just I just never 1042 00:52:59.639 --> 00:53:02.039 thought of about that. I I I just never thought 1043 00:53:02.039 --> 00:53:04.360 about that, you know, just having someone clean him twice 1044 00:53:04.360 --> 00:53:06.679 a year. That well, I guess I have thought about 1045 00:53:06.679 --> 00:53:09.480 it because that's what I do, but I never compared 1046 00:53:09.519 --> 00:53:13.639 it with actually putting the protection on. So that's pretty cool. 1047 00:53:14.000 --> 00:53:16.679 Three oh three seven one three talks seven one three 1048 00:53:16.840 --> 00:53:22.920 eight two five five. Okay, let's uh, let's continue here 1049 00:53:23.719 --> 00:53:30.119 on your let's continue on our quest here, Okay, John 1050 00:53:30.239 --> 00:53:32.960 Jones Junior, I want to bring him back and we 1051 00:53:33.199 --> 00:53:37.920 have him. Hey, now okay, let me ask on right 1052 00:53:37.960 --> 00:53:39.639 real quick. I want to get to this text on 1053 00:53:39.760 --> 00:53:43.880 the health insurance. When should a child be taken off 1054 00:53:43.920 --> 00:53:45.639 their health insurance or when do they have to be 1055 00:53:45.760 --> 00:53:49.199 taken off? What depends well when they should and when 1056 00:53:49.199 --> 00:53:50.719 they have to be the okay, so I want to 1057 00:53:50.800 --> 00:53:52.519 I want to discuss both absolutely. 1058 00:53:54.440 --> 00:53:57.960 So age twenty six is technically at age twenty six 1059 00:53:58.000 --> 00:54:00.960 they would come off uh manatory mandatory. 1060 00:54:00.679 --> 00:54:03.239 Apparently before twenty six do they have to be enrolled 1061 00:54:03.280 --> 00:54:05.639 in school or anything from twenty one to twelve. 1062 00:54:05.760 --> 00:54:07.280 So then we get into and this is part of 1063 00:54:07.280 --> 00:54:09.039 the conversation we have with all of our clients, is 1064 00:54:09.400 --> 00:54:11.199 you know, do you qualify for a tax credit? Because 1065 00:54:11.199 --> 00:54:13.239 if you qualify for a tax credit, it's based on 1066 00:54:13.400 --> 00:54:15.960 tax household. So if you have an older child but 1067 00:54:16.000 --> 00:54:18.800 you don't claim that child as a dependent anymore, then 1068 00:54:19.840 --> 00:54:22.760 they would not be included into your plan getting a 1069 00:54:22.880 --> 00:54:24.840 tax credit. We would want to look at what their 1070 00:54:24.880 --> 00:54:25.960 option would be on their own. 1071 00:54:26.360 --> 00:54:28.679 Well, what I mean it is more news if you 1072 00:54:28.880 --> 00:54:31.559 took them off of your insurance, would that make you 1073 00:54:31.760 --> 00:54:33.440 less qualified for a credit. 1074 00:54:33.320 --> 00:54:36.119 Or more ca Well, it could because then your tax 1075 00:54:36.159 --> 00:54:38.000 household is smaller. Right, so you set up a tax 1076 00:54:38.039 --> 00:54:40.760 household of three qualifying for a tax credit, or a 1077 00:54:40.840 --> 00:54:41.920 tax household of four or five. 1078 00:54:42.280 --> 00:54:45.360 Now maybe it's just you and your spouse household of two. 1079 00:54:45.519 --> 00:54:47.480 Then you then your child might be able to get 1080 00:54:47.519 --> 00:54:49.639 their own correct, your child may be able to get 1081 00:54:49.639 --> 00:54:51.679 their own Also, if you do have an older dependent 1082 00:54:51.760 --> 00:54:54.199 that you are claiming, there, if they earn income, that 1083 00:54:54.360 --> 00:54:55.159 income would. 1084 00:54:55.039 --> 00:54:57.840 Count towards your tax household income and so that could 1085 00:54:57.880 --> 00:54:59.679 give you less tax credit that direction as well. 1086 00:55:00.159 --> 00:55:01.639 Put it this way, what if you had an older 1087 00:55:01.679 --> 00:55:05.400 one who is on your insurance and. 1088 00:55:06.920 --> 00:55:07.440 You have. 1089 00:55:09.920 --> 00:55:12.400 You know, so they're on your insurance, but they don't 1090 00:55:12.440 --> 00:55:14.519 make a lot of money and they could actually do medicaid? 1091 00:55:15.199 --> 00:55:16.760 Yes or no if you don't. 1092 00:55:16.800 --> 00:55:18.800 If you don't, well it depends if they're a dependent. 1093 00:55:19.000 --> 00:55:21.039 So if you claim them as a dependent, then your 1094 00:55:21.159 --> 00:55:23.480 income would count toward their eligibility. 1095 00:55:23.719 --> 00:55:26.159 They do their own thing and they're not claimed. 1096 00:55:26.239 --> 00:55:29.280 Correct, then yes, absolutely, they could potentially qualify for medicaid. 1097 00:55:29.480 --> 00:55:31.320 And that's part of the conversations we have with all 1098 00:55:31.360 --> 00:55:31.920 of our clients. 1099 00:55:33.760 --> 00:55:36.519 Mark, what were you going to ask him, Well, what's 1100 00:55:36.599 --> 00:55:40.320 the biggest mistake when people are shopping for medicare, example 1101 00:55:40.440 --> 00:55:42.840 might be like, I know, Tom, you've got kind of 1102 00:55:42.880 --> 00:55:46.719 the mac daddy. Supplement plans or supplemental plans do a 1103 00:55:46.800 --> 00:55:50.519 lot of people like go with advantage, for example, and 1104 00:55:50.639 --> 00:55:54.000 then find that they don't have the coverage they expected, 1105 00:55:54.320 --> 00:55:57.199 they can't go to certain doctors. But just in general, 1106 00:55:57.320 --> 00:56:01.159 the biggest the biggest regrets that you've seen from people 1107 00:56:01.239 --> 00:56:03.599 on mistakes they've made choosing a plan. 1108 00:56:04.480 --> 00:56:07.800 I think what I would certainly caution anyone is not 1109 00:56:07.960 --> 00:56:10.360 just calling thee the telephone number on your television screen 1110 00:56:10.400 --> 00:56:11.280 when you see the commercials. 1111 00:56:11.840 --> 00:56:14.039 I think the biggest mistake, in my opinion, is. 1112 00:56:14.039 --> 00:56:19.400 Probably not being given all the information, all the options 1113 00:56:19.440 --> 00:56:21.880 available to them, so that they have a good understanding 1114 00:56:21.920 --> 00:56:24.440 of Medicare, how Medicare works, what a supplement is, what 1115 00:56:24.519 --> 00:56:26.559 an advantage plan is, the pros and cons of both, 1116 00:56:26.960 --> 00:56:29.840 and having in you know that information they need to 1117 00:56:29.880 --> 00:56:30.840 make an informed. 1118 00:56:30.559 --> 00:56:32.199 Decision about what's best for them. 1119 00:56:32.320 --> 00:56:32.559 Uhuh. 1120 00:56:32.639 --> 00:56:36.159 And so I would just say avoid the call center, 1121 00:56:36.320 --> 00:56:38.960 talk to an expert, somebody who does both, not somebody 1122 00:56:39.000 --> 00:56:41.679 who just does Medicare advantage, not somebody who only does 1123 00:56:41.760 --> 00:56:44.840 Medicare supplements. But somebody who can sit down and explain 1124 00:56:45.000 --> 00:56:48.119 the entire the entire thing for you. 1125 00:56:48.599 --> 00:56:51.079 I saw a commercial today, like you're talking about an 1126 00:56:51.079 --> 00:56:53.599 eight hundred number, and I tell us what this plan is. 1127 00:56:54.000 --> 00:56:56.199 They were talking about a plan where they get a 1128 00:56:56.320 --> 00:57:00.960 preloaded uh some kind of like preloaded credit card each month, 1129 00:57:01.119 --> 00:57:03.320 or money's put on the card each month, and they 1130 00:57:03.400 --> 00:57:06.440 can actually go out and buy some groceries. I mean, 1131 00:57:06.519 --> 00:57:08.519 I've never heard of that. How does that work? 1132 00:57:09.360 --> 00:57:12.480 So, and there are advantage plans, and I can't get 1133 00:57:12.480 --> 00:57:15.320 into specifics for any specific company things like that, but 1134 00:57:15.400 --> 00:57:16.760 there are advantage plans. 1135 00:57:16.599 --> 00:57:19.119 That and it is based on income. It's if you qualify. 1136 00:57:19.199 --> 00:57:20.840 And so that's the thing they're trying to hook somebody, 1137 00:57:20.920 --> 00:57:24.480 have them call in without explaining first, Hey, it is 1138 00:57:24.519 --> 00:57:26.760 based on income that you might or might not qualify 1139 00:57:26.920 --> 00:57:30.320 for these types of benefits that could be in there. 1140 00:57:30.400 --> 00:57:34.239 So that's it. Just take what you see on TV 1141 00:57:34.320 --> 00:57:34.960 with a grain of salt. 1142 00:57:35.000 --> 00:57:37.159 Talk to an expert, talk to and talk to you know, 1143 00:57:37.239 --> 00:57:39.599 give us a call and we'll happily walk you through 1144 00:57:39.679 --> 00:57:40.440 all of those options. 1145 00:57:40.519 --> 00:57:41.960 All right, we got to take a break. Three all 1146 00:57:42.000 --> 00:57:44.639 three seven one three talk seven one three eight two 1147 00:57:44.760 --> 00:57:46.840 five five. Frank rand the real estate Man. By the way, 1148 00:57:47.280 --> 00:57:50.679 He's available to give you complete market analysis of your 1149 00:57:50.719 --> 00:57:52.920 home and what it will sell for, even what you 1150 00:57:53.000 --> 00:57:55.719 will clear after expenses, and what you can qualify for 1151 00:57:55.800 --> 00:57:58.599 if you want to buy either here or somewhere else. 1152 00:57:58.639 --> 00:58:00.800 That's Frank durand the real Estate Man dot com. A 1153 00:58:00.840 --> 00:58:05.039 total complimentary service with no obligations whatsoever. Three oh three 1154 00:58:05.199 --> 00:58:12.679 nine two zero sixteen twenty two. Go with a sure 1155 00:58:12.800 --> 00:58:16.239 thing Denver's best roofer Excel Roofing dot com. You don't 1156 00:58:16.239 --> 00:58:22.239 pay a cent until you're content. Time for an insurance 1157 00:58:22.360 --> 00:58:26.480 check up, free no obligation comparison call Compass Insurance Paying 1158 00:58:26.519 --> 00:58:29.559 too much your coverage at dozens of insurance companies find 1159 00:58:29.559 --> 00:58:31.880 out now three oh three seven seven to one help. 1160 00:58:32.079 --> 00:58:34.719 You'll think you're his only customer when you choose Frank 1161 00:58:34.800 --> 00:58:37.199 durand the real Estate Man dot com to list your 1162 00:58:37.280 --> 00:58:40.400 home with Remax Alliance three oh three nine two zero 1163 00:58:40.519 --> 00:58:45.760 sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Three 1164 00:58:45.840 --> 00:58:49.840 O three seven one three talks seven one three eight 1165 00:58:49.960 --> 00:58:53.880 two five five. Okay, welcome to the show. We're here 1166 00:58:53.960 --> 00:58:56.480 to help you and uh I got mark full screen 1167 00:58:56.559 --> 00:58:59.000 for those streamings so you can see us Trump of 1168 00:58:59.079 --> 00:59:03.159 whatever it is, life size cutout. But how things scared 1169 00:59:03.199 --> 00:59:05.000 the hell out of me coming out of the hot tub. 1170 00:59:05.159 --> 00:59:08.039 I go back inside and the lights are not and 1171 00:59:08.119 --> 00:59:10.000 I think there's some dude in my basement. 1172 00:59:11.360 --> 00:59:13.440 Three three seven one three. Tok. Let's go back to 1173 00:59:14.280 --> 00:59:17.559 our texts, our phones and everything else. Let me get 1174 00:59:17.599 --> 00:59:23.719 my screener up. Okay, So Steve, what's going on with you? Steve, 1175 00:59:23.800 --> 00:59:25.320 Welcome to the show. What's happening? 1176 00:59:26.480 --> 00:59:26.800 Thank you. 1177 00:59:28.159 --> 00:59:35.000 We had bought a Hondis Tucson and a recall letter 1178 00:59:35.079 --> 00:59:38.519 came through the mountain about a knock sensor that it 1179 00:59:38.639 --> 00:59:42.719 was on the recall about a couple of months later 1180 00:59:42.840 --> 00:59:46.679 at the most the sensor went off fine, so I 1181 00:59:46.760 --> 00:59:48.480 figured I would take it in and get it repaired. 1182 00:59:48.519 --> 00:59:52.639 Took it to the wrap a hole. Can I use names, yes, 1183 00:59:52.760 --> 00:59:57.960 of course, like okay, great, went to rap had my 1184 00:59:58.079 --> 01:00:00.760 mechanic prior to the hard the code on it to 1185 01:00:00.800 --> 01:00:02.559 make sure I was right. He said it was a 1186 01:00:02.599 --> 01:00:03.159 knock sensor. 1187 01:00:03.199 --> 01:00:03.880 I took it in there. 1188 01:00:03.920 --> 01:00:06.440 They told me, you know, we do our own assessments. 1189 01:00:06.519 --> 01:00:09.760 Fine, yeah they do, because if they did the knock 1190 01:00:09.840 --> 01:00:12.039 sensor and it didn't work, then you're going to be upset. 1191 01:00:12.119 --> 01:00:14.679 So they usually do their own diagnosis, right. 1192 01:00:15.239 --> 01:00:16.920 And I'm down with that. That's cool. If they kept 1193 01:00:17.000 --> 01:00:20.159 it for about three days, had a rent car because 1194 01:00:20.159 --> 01:00:24.000 they don't provide a loaner on these kind of services. 1195 01:00:24.559 --> 01:00:24.719 Right. 1196 01:00:25.400 --> 01:00:26.440 What kind of Hondai is it? 1197 01:00:26.559 --> 01:00:29.239 By the way, it's a Tucson. 1198 01:00:29.199 --> 01:00:30.079 All right, got it? 1199 01:00:31.519 --> 01:00:32.239 So went ahead? 1200 01:00:32.280 --> 01:00:32.480 Did that? 1201 01:00:34.679 --> 01:00:37.039 What they had done the first go round though, is 1202 01:00:37.119 --> 01:00:39.440 they basically did a hard reset on the computer system 1203 01:00:39.639 --> 01:00:42.599 and knocked the sensor out and everything went back to normal. 1204 01:00:42.679 --> 01:00:44.320 So I thought, well, maybe I'm an idiot, and they 1205 01:00:44.360 --> 01:00:48.400 fixed it. About thirty days later, the sensor went off again. 1206 01:00:49.079 --> 01:00:51.239 And the knock sensor, I'm not sure if you're aware, 1207 01:00:51.320 --> 01:00:53.960 but it shuts your engine down where you can't go 1208 01:00:54.000 --> 01:00:58.199 over two thousand RPMs. So it doesn't ruin your engine, right, okay, 1209 01:00:58.519 --> 01:01:02.079 but you can't get out of an issue because you 1210 01:01:02.119 --> 01:01:03.639 can only go rev up to two thousand. 1211 01:01:04.000 --> 01:01:06.320 Let me ask you this, the knock sensor when it 1212 01:01:06.440 --> 01:01:10.800 first went out, Yes, sir, and your mechanics said, it's 1213 01:01:10.840 --> 01:01:13.800 your noock sensor. Why didn't you have him fix it? 1214 01:01:13.960 --> 01:01:15.199 Was it still under warranty. 1215 01:01:16.440 --> 01:01:18.599 No, there was a recall on it was a Oh. 1216 01:01:18.679 --> 01:01:21.639 Okay, there was a recall, got it? Are you sure 1217 01:01:21.679 --> 01:01:24.039 it was You're sure it was a recall. 1218 01:01:23.679 --> 01:01:27.480 Though, I'm They told me when I got there they 1219 01:01:27.519 --> 01:01:29.920 would cover it under the recall. I'm like, old, that's 1220 01:01:29.960 --> 01:01:30.719 what the PaperWorks. 1221 01:01:30.960 --> 01:01:31.480 I see a. 1222 01:01:31.599 --> 01:01:37.079 Product improvement campaign to update the NOC sensor detection system 1223 01:01:37.320 --> 01:01:40.039 software on your vehicle if it's a Tucson. 1224 01:01:40.119 --> 01:01:40.639 But I don't. 1225 01:01:40.960 --> 01:01:43.480 I don't see where they're replacing knock sensors. 1226 01:01:45.000 --> 01:01:47.199 Well again, when I went in there and spoke to 1227 01:01:47.280 --> 01:01:50.480 this girl named Alex, that's what they told me. They would, 1228 01:01:50.559 --> 01:01:52.960 you know, they would cover replacing a nock sensor. They 1229 01:01:53.159 --> 01:01:56.679 ended up upgrading the software. I believe on the second 1230 01:01:56.760 --> 01:01:59.960 time this all went down, right, because this is how 1231 01:02:00.079 --> 01:02:00.960 up three times? 1232 01:02:01.039 --> 01:02:01.159 Now? 1233 01:02:02.719 --> 01:02:06.519 Okay, well, where does it stand right now? 1234 01:02:06.639 --> 01:02:11.320 Steve stand sitting in a repair shop for the last week? 1235 01:02:12.199 --> 01:02:14.320 What's your repair shop? Is it back at Hyundai? 1236 01:02:15.440 --> 01:02:15.639 Yes? 1237 01:02:15.679 --> 01:02:16.079 Sirtainly? 1238 01:02:16.960 --> 01:02:19.079 And why is this it? Did it go bad again? 1239 01:02:20.320 --> 01:02:20.519 Yes? 1240 01:02:21.920 --> 01:02:22.480 Yes it did. 1241 01:02:22.840 --> 01:02:24.239 It's gone bad three times. 1242 01:02:24.679 --> 01:02:29.039 That's weird how it's gone bad three times? Where you're 1243 01:02:29.159 --> 01:02:30.960 stranded in limp mode. 1244 01:02:32.800 --> 01:02:37.320 Not me, my wife and that's a problem, right, Yeah, anyway, 1245 01:02:37.800 --> 01:02:42.400 that's not the point. The point is though, the second 1246 01:02:42.440 --> 01:02:44.719 time I was in there, I met their shop manager 1247 01:02:44.800 --> 01:02:47.880 at the time, who's no longer there, and he told 1248 01:02:47.920 --> 01:02:50.880 me it's either a knock sensor or your bearings are 1249 01:02:50.920 --> 01:02:54.159 going to be problematic in your engine, and they replace 1250 01:02:54.440 --> 01:02:57.039 the engine, and that's how you can get a loaner car. 1251 01:02:57.519 --> 01:02:59.639 If they finally have to replace your engines. I'm like, 1252 01:03:00.079 --> 01:03:04.280 whatever it takes. Right, second time, they reset the censor again. 1253 01:03:05.159 --> 01:03:08.559 About thirty days later it went off again, and then 1254 01:03:09.440 --> 01:03:12.360 back into the shop again. On the third time, though 1255 01:03:13.360 --> 01:03:16.000 we've been without a vehicle for up well this last 1256 01:03:16.079 --> 01:03:18.880 the third time was ten plus days. Now, we were 1257 01:03:19.039 --> 01:03:22.239 working on about eight days and they're still telling me 1258 01:03:22.519 --> 01:03:25.840 they have no idea a loaners. Out of the question. 1259 01:03:26.559 --> 01:03:28.719 I only really want out of it is a car 1260 01:03:28.840 --> 01:03:31.920 for my wife to get around until they configure it. 1261 01:03:31.960 --> 01:03:33.800 They can keep that car in there until they fix it. 1262 01:03:34.280 --> 01:03:36.320 I don't want to bring it back and have it 1263 01:03:36.440 --> 01:03:38.480 die within thirty days because they just want to get 1264 01:03:38.519 --> 01:03:44.400 me out of their hair. It's frustrating to the n degree, right, 1265 01:03:45.239 --> 01:03:48.559 And the last response I got was yeah, we can't 1266 01:03:48.599 --> 01:03:51.719 get you a loaner. And this is all from young 1267 01:03:51.880 --> 01:03:54.480 You know, people at the desk, they have no authority, 1268 01:03:54.760 --> 01:03:57.280 And I want to talk to managers, can't talk to managers. 1269 01:03:57.480 --> 01:03:59.920 My wife actually called once please stop me if I 1270 01:04:00.079 --> 01:04:02.360 go too long, and she was told that they don't 1271 01:04:02.639 --> 01:04:06.760 let people call it managers. Well that's the dumbest thing 1272 01:04:06.800 --> 01:04:09.000 I ever heard. But yeah, I can't get a hold 1273 01:04:09.000 --> 01:04:10.320 of a manager to save my life. 1274 01:04:11.280 --> 01:04:12.119 Do me a favor. 1275 01:04:12.239 --> 01:04:17.400 Give your VIN number to Kelly and I will email 1276 01:04:17.760 --> 01:04:20.719 or text somebody for you and see what's going on 1277 01:04:20.920 --> 01:04:24.039 with it. As far as the Reynolds, that's pretty standard 1278 01:04:24.079 --> 01:04:24.639 these days. 1279 01:04:24.719 --> 01:04:29.320 Man again, Mark when I when I listened. 1280 01:04:29.039 --> 01:04:32.519 To my Hyundai, Yeah, the people at a rap Hole 1281 01:04:32.639 --> 01:04:36.159 were very very rude and obnoxious, and the people at 1282 01:04:36.320 --> 01:04:40.880 Chomp Hyundai were so much nicer. And I actually I 1283 01:04:40.920 --> 01:04:44.039 went there yesterday. They did some stuff for free. It 1284 01:04:44.159 --> 01:04:45.920 was like night and day between them and a rap 1285 01:04:46.000 --> 01:04:47.440 ho Yeah. 1286 01:04:47.880 --> 01:04:49.840 A rapp Hose used to charge for coffee. 1287 01:04:51.719 --> 01:04:54.320 We add one more thing. In the third go round, 1288 01:04:55.480 --> 01:04:58.480 they finally acknowledge they're going to censors, so they sent 1289 01:04:58.559 --> 01:05:01.400 me a text and said approve of these repairs. So 1290 01:05:01.480 --> 01:05:05.760 I open this text, there are six things on one 1291 01:05:05.920 --> 01:05:07.960 with the knock sensor for six hundred dollars. 1292 01:05:09.320 --> 01:05:12.480 Wait, they don't wait wait wait wait, they're not charging 1293 01:05:12.559 --> 01:05:16.400 you each time it goes wrong, right, No, I have to. 1294 01:05:16.840 --> 01:05:19.239 Tell them there's no charge. So the first few times 1295 01:05:19.519 --> 01:05:22.360 agreed no charge. Third time should have been no charge. 1296 01:05:22.400 --> 01:05:24.559 And then they tried to charge me for it. And 1297 01:05:24.639 --> 01:05:27.960 they told me that who they submit their claims to 1298 01:05:28.079 --> 01:05:31.159 on these n has kicked them all back, saying, yeah, 1299 01:05:31.199 --> 01:05:32.159 you can't do that anymore. 1300 01:05:32.599 --> 01:05:35.519 Well, hold on, hold on, Steve. They're probably pissed that 1301 01:05:35.639 --> 01:05:38.559 they did four of them. For God's sakes, I mean, 1302 01:05:38.679 --> 01:05:43.719 but that's not your problem. How many times let me 1303 01:05:43.800 --> 01:05:46.599 tell you how much time in between the knock sensors? 1304 01:05:48.000 --> 01:05:48.920 About thirty days? 1305 01:05:49.119 --> 01:05:49.679 Almost done? 1306 01:05:49.960 --> 01:05:50.800 Almost, dude, this. 1307 01:05:50.840 --> 01:05:53.079 Should be done, no charge to you. It doesn't matter 1308 01:05:53.119 --> 01:05:55.519 if they kick it back. Where does the stand right now? 1309 01:05:55.840 --> 01:05:57.519 Hold on, We got to take a break, but I 1310 01:05:57.639 --> 01:05:59.280 need to get to a point of what do you 1311 01:05:59.360 --> 01:06:01.840 want us to do? Three O three seven one three 1312 01:06:01.920 --> 01:06:09.119 talks seven one three A two five five Go with 1313 01:06:09.239 --> 01:06:12.679 a sure thing Denver's best roofer Excel roofing dot com. 1314 01:06:12.880 --> 01:06:18.559 You don't pay a cent until you're content. Time for 1315 01:06:18.639 --> 01:06:22.320 an insurance check up free no obligation comparison call Compass 1316 01:06:22.440 --> 01:06:25.679 Insurance paying too much your coverage at dozens of insurance 1317 01:06:25.719 --> 01:06:28.280 companies find out now three all three seven seven to 1318 01:06:28.280 --> 01:06:31.039 one help. You'll think you're his only customer when you 1319 01:06:31.159 --> 01:06:33.559 choose Frank durand the real estate Man dot com to 1320 01:06:33.679 --> 01:06:36.880 list your home with Remax Alliance three oh three nine 1321 01:06:36.920 --> 01:06:43.239 two zero sixteen twenty two. Hey Tom Martina here, welcome 1322 01:06:44.599 --> 01:06:47.480 to the whole gang. Here Major Mark Major, We got 1323 01:06:47.519 --> 01:06:51.360 everybody here. Let's go to the phones and see what 1324 01:06:51.440 --> 01:06:54.039 we can do to help you. And uh three O 1325 01:06:54.199 --> 01:06:57.440 three seven one three talks seven one three eight two 1326 01:06:57.719 --> 01:07:04.239 five five. Uh So Steve was giving us his his 1327 01:07:05.199 --> 01:07:08.400 long story about how they are changing out these censers 1328 01:07:08.480 --> 01:07:11.039 over and over and over under recall and it's a 1329 01:07:11.079 --> 01:07:13.679 pain in the ass. It is, it's inconvenient, it's terrible. 1330 01:07:13.880 --> 01:07:16.760 Have you ever thought about switching to another dealer? That 1331 01:07:17.039 --> 01:07:19.760 my exact thoughts. I'd get it over to McDonald honday. 1332 01:07:19.800 --> 01:07:20.039 Brother. 1333 01:07:20.599 --> 01:07:21.880 I like McDonald honday. 1334 01:07:21.920 --> 01:07:24.920 They got a brand new service center office C four seventy. 1335 01:07:25.039 --> 01:07:28.000 That is, it is the mac Daddy mac Daddy. 1336 01:07:29.199 --> 01:07:30.480 So what we are. 1337 01:07:30.599 --> 01:07:34.159 We're considering that one hundred percent. The problem is is 1338 01:07:34.480 --> 01:07:36.599 I started with these guys. I didn't want to reinvent 1339 01:07:36.679 --> 01:07:39.119 the wheel going to a different service center. But when 1340 01:07:39.199 --> 01:07:42.960 this thing is finally under my skin, under my seat, 1341 01:07:43.000 --> 01:07:45.880 if you will, I'm gonna dump this car. I won't 1342 01:07:45.880 --> 01:07:49.559 buy a Hyundai again. I swear to God this experience. 1343 01:07:49.599 --> 01:07:51.719 Well, I don't think you can blame the whole problem 1344 01:07:51.840 --> 01:07:53.159 on a bad dealership. 1345 01:07:53.400 --> 01:07:55.519 I mean, these guys suck it, fix some stuff. 1346 01:07:56.679 --> 01:07:59.440 Well that's the other part is you know I started there. 1347 01:07:59.519 --> 01:08:02.039 I wanted to finish it there. And if it comes 1348 01:08:02.079 --> 01:08:03.960 down to it where yeah, I can't dump it and 1349 01:08:04.039 --> 01:08:06.239 get into something better. Maybe Yeah, I'll think it over 1350 01:08:06.320 --> 01:08:09.400 to mc donald the hope that God it doesn't break again. 1351 01:08:09.639 --> 01:08:13.119 Yeah but wait, wait a minute. Though, in general, Hyundai's 1352 01:08:13.119 --> 01:08:16.239 a pretty dependable brand, are they. 1353 01:08:16.840 --> 01:08:19.039 I don't have that experience. I couldn't tell you that. 1354 01:08:20.199 --> 01:08:22.439 Well, he definitely has it fair enough, huh. 1355 01:08:26.720 --> 01:08:29.279 The best advice we can give you is what we 1356 01:08:29.479 --> 01:08:31.520 just told you, though, Get it the hell out of 1357 01:08:31.560 --> 01:08:34.199 a rapa ho HONDI. I told you they used to 1358 01:08:34.359 --> 01:08:38.039 charge fifty cents for coffee when you were buying a car. 1359 01:08:39.119 --> 01:08:43.079 Oh god, we got more. We got more coming up 1360 01:08:43.119 --> 01:08:45.960 on The Troubleshooter Show. Three all three seven one three 1361 01:08:46.079 --> 01:08:49.239 talks seven one three eight two five five stick around, 1362 01:08:53.560 --> 01:08:56.800 Go with a sure thing Denver's Best roofer Excel Roofing 1363 01:08:56.920 --> 01:08:59.520 dot com. You don't pay a cent until you're content. 1364 01:09:00.479 --> 01:09:05.359 Three time for an insurance check up free, no obligation. 1365 01:09:05.439 --> 01:09:09.239 In comparison, call Compass Insurance paying too much your coverage 1366 01:09:09.279 --> 01:09:11.920 at dozens of insurance companies find out now three oh 1367 01:09:12.000 --> 01:09:14.439 three seven seven to one help. You'll think you're his 1368 01:09:14.640 --> 01:09:17.199 only customer when you choose Frank durand the real estate 1369 01:09:17.279 --> 01:09:20.520 Man dot com to list your home with Remax Alliance 1370 01:09:20.800 --> 01:09:23.840 three oh three nine two zero sixteen twenty two ye. 1371 01:09:28.359 --> 01:09:28.880 Ripped of. 1372 01:09:30.640 --> 01:09:32.800 New need advice? 1373 01:09:32.840 --> 01:09:38.279 Who you don't have? Come running as fast as we can. 1374 01:09:39.600 --> 01:09:42.239 Shooter's gonna help, come man. 1375 01:09:43.039 --> 01:09:48.560 Six is the Troubleshooter Show. No Tom Martino, Hello. 1376 01:09:48.880 --> 01:09:52.560 Tom Martino here? Three O three seven one three talk 1377 01:09:52.720 --> 01:09:58.000 seven one three A two five five What who's doing 1378 01:09:58.079 --> 01:10:00.479 the thumbs down on my screen? How the hell did 1379 01:10:00.560 --> 01:10:04.279 that happen? How did you see that? There's a gesture 1380 01:10:04.359 --> 01:10:07.479 going on like it keeps throwing down down. Is that 1381 01:10:07.560 --> 01:10:11.520 coming from YouTube or where? No, you must be doing that. 1382 01:10:11.800 --> 01:10:15.359 Don't worry, I'm not doing it anyway. Welcome to the show, folks. 1383 01:10:15.439 --> 01:10:18.920 For those not on the screen, welcome. Hey, Dave's got 1384 01:10:18.960 --> 01:10:21.079 a question. But this is a consumer show. We talk 1385 01:10:21.079 --> 01:10:24.560 about basically everything. Okay, anything that you want to talk about, 1386 01:10:24.560 --> 01:10:26.239 you call us. If you need help, you call us. 1387 01:10:26.279 --> 01:10:29.720 We have Integer Insurance with us today, and they do 1388 01:10:29.920 --> 01:10:32.079 health insurance made simple and smart. 1389 01:10:32.119 --> 01:10:32.600 It really is. 1390 01:10:32.680 --> 01:10:36.720 I mean, I can't even imagine, I, honest to God, 1391 01:10:36.840 --> 01:10:40.800 cannot imagine trying to shop for health insurance on my own. 1392 01:10:41.279 --> 01:10:45.479 I just can't imagine it. It is so varied and 1393 01:10:46.239 --> 01:10:49.479 the same thing when it came to the supplements, so 1394 01:10:49.640 --> 01:10:53.399 I just depended on them ever since the exchange came 1395 01:10:53.439 --> 01:10:57.199 out or actually, no, we were dealing with you before Obamacare. 1396 01:10:57.359 --> 01:11:01.079 I've known you for years. That's right. For Obamacare, was 1397 01:11:01.119 --> 01:11:03.760 it easier to find insurance or harder? 1398 01:11:04.800 --> 01:11:07.600 Depends dependent on your health, right, You're. 1399 01:11:07.520 --> 01:11:09.920 Right, because there were pre existing conditions and all of that. 1400 01:11:10.479 --> 01:11:15.279 But but certainly, yeah, processes are always complicated to a degree. So, 1401 01:11:16.199 --> 01:11:21.640 but everything's online now, all the all the applications, everything, Okay. 1402 01:11:21.720 --> 01:11:26.079 And uh, Dave, you have a question on selling a business, Dave, 1403 01:11:26.279 --> 01:11:29.119 go ahead, Sir, Mark has sold a business or two. 1404 01:11:29.319 --> 01:11:29.880 What's going on? 1405 01:11:30.479 --> 01:11:33.119 Yeah, I've got a. 1406 01:11:33.159 --> 01:11:37.399 Business I'm thinking about selling, and I was wondering if 1407 01:11:37.439 --> 01:11:39.479 you could recommend a good business broker that. 1408 01:11:39.560 --> 01:11:40.279 I could speak with. 1409 01:11:40.479 --> 01:11:42.439 You may or may not need a broker. I just 1410 01:11:42.520 --> 01:11:45.119 want to talk about the common football pitfalls of selling 1411 01:11:45.159 --> 01:11:49.039 a business though in general. What is your what is 1412 01:11:49.159 --> 01:11:51.279 your business? What kind? 1413 01:11:52.800 --> 01:11:52.920 Uh? 1414 01:11:53.479 --> 01:11:57.359 It's a crane business? A service, crane service? 1415 01:11:57.439 --> 01:12:00.560 Oh okay? And is it a crane service for delivering 1416 01:12:00.640 --> 01:12:03.239 stuff like hot tubs to houses? Or is a crane 1417 01:12:03.279 --> 01:12:04.800 service for construction sites? 1418 01:12:05.479 --> 01:12:05.680 Yeah? 1419 01:12:05.800 --> 01:12:06.319 Construction? 1420 01:12:06.560 --> 01:12:07.680 And how the yeah? 1421 01:12:07.920 --> 01:12:12.960 Both just anything, just a crane service. And so again, 1422 01:12:13.079 --> 01:12:16.000 these are these are just enlightening questions. I like to ask. 1423 01:12:16.520 --> 01:12:19.880 Do you when you sell, will you be selling the 1424 01:12:20.399 --> 01:12:23.439 mostly equipment or is their real estate involved? 1425 01:12:24.520 --> 01:12:26.680 No real estate, There'll there'll be equipment. 1426 01:12:27.319 --> 01:12:32.760 And the business book, okay, and the business book is 1427 01:12:32.840 --> 01:12:33.680 it recurring? 1428 01:12:35.239 --> 01:12:35.560 It is? 1429 01:12:36.079 --> 01:12:37.039 Yes, sir, I've been in. 1430 01:12:37.239 --> 01:12:39.760 How much of it is recurring? Because that's all they 1431 01:12:39.840 --> 01:12:41.439 care about. How much of it is recurring? 1432 01:12:42.239 --> 01:12:44.920 Oh like ninety plus percent? 1433 01:12:45.640 --> 01:12:49.840 Oh, you got regular clients? That need crane service. That's good. 1434 01:12:50.479 --> 01:12:51.880 What are your gross revenues? 1435 01:12:53.840 --> 01:13:00.479 Oh, it'll be probably. I think we're at six hundred 1436 01:13:00.520 --> 01:13:01.279 thousand this year. 1437 01:13:01.880 --> 01:13:03.159 And what are your expenses? 1438 01:13:05.239 --> 01:13:07.079 I don't have all that in front of me, Tom, 1439 01:13:07.920 --> 01:13:08.720 I mean, are they are? 1440 01:13:08.800 --> 01:13:11.279 I mean what I mean is, let's talk about equipment. 1441 01:13:11.319 --> 01:13:12.359 How old is your equipment? 1442 01:13:16.640 --> 01:13:20.960 I have some two two thousand and six machines and 1443 01:13:21.039 --> 01:13:22.760 a twenty and fourteen machine. 1444 01:13:23.159 --> 01:13:24.119 How long do they last? 1445 01:13:25.479 --> 01:13:28.279 Oh? Forever? I have a ninety nine machine that I 1446 01:13:28.359 --> 01:13:30.039 can I don't use. 1447 01:13:30.159 --> 01:13:32.239 But what do they cost? Those machines? 1448 01:13:33.199 --> 01:13:33.359 Oh? 1449 01:13:33.640 --> 01:13:39.720 Like the twenty fourteen machine would be around a little 1450 01:13:39.760 --> 01:13:40.520 over half a million. 1451 01:13:40.640 --> 01:13:45.039 Now, okay, So your equipment altogether, if you added it 1452 01:13:45.119 --> 01:13:47.920 up right now on a really fair price, what would 1453 01:13:47.920 --> 01:13:49.159 your equipment be worth right now? 1454 01:13:50.039 --> 01:13:50.960 Six hundred thousand? 1455 01:13:51.520 --> 01:13:54.000 And your your your book of business is five to 1456 01:13:54.079 --> 01:13:57.640 six hundred a year, Sir? Would you say your expenses are? 1457 01:13:58.600 --> 01:14:00.720 Are are run on a thir. 1458 01:14:03.439 --> 01:14:03.640 Yeah? 1459 01:14:04.159 --> 01:14:06.239 I would say twenty five at the most. 1460 01:14:06.560 --> 01:14:09.439 Mark, What do you think I was asking all these questions? 1461 01:14:09.479 --> 01:14:11.159 What do you think, Mark? Now that you've heard all that, 1462 01:14:12.640 --> 01:14:14.640 I don't know what he's looking for in the price. 1463 01:14:14.800 --> 01:14:16.960 So let's just throw what I'm thinking though, I mean, 1464 01:14:17.119 --> 01:14:19.479 is I'm just curious. Two million is what I was 1465 01:14:19.560 --> 01:14:24.800 thinking with the equipment. But Mallory, my CPA of many, many, 1466 01:14:24.880 --> 01:14:29.399 many many years, has lots of connections and has helped 1467 01:14:29.479 --> 01:14:33.159 put together deals on lots of businesses, including some of 1468 01:14:33.199 --> 01:14:36.640 the financing side of it, the valuation of the business, 1469 01:14:36.920 --> 01:14:39.920 and then of course actually finding or knowing people that 1470 01:14:40.079 --> 01:14:41.640 might want to actually buy the business. 1471 01:14:41.920 --> 01:14:44.600 So I would give him as a suggestion. And then 1472 01:14:44.640 --> 01:14:46.680 the other ones that can help you on a referral 1473 01:14:46.720 --> 01:14:52.640 list is uh, the Retirement Center Tom. They they specialize 1474 01:14:52.680 --> 01:14:54.239 in selling businesses as well. 1475 01:14:55.159 --> 01:14:57.399 Yeah, rpcenter dot com OURP center. 1476 01:14:57.479 --> 01:14:57.760 Thank you. 1477 01:14:58.399 --> 01:15:01.840 Now, as far as you're business goes, though, were you 1478 01:15:02.000 --> 01:15:05.600 thinking two million? I'm thinking a little more because the 1479 01:15:05.680 --> 01:15:08.800 equipment is a half okay, and then but then excuse me, 1480 01:15:08.920 --> 01:15:11.439 the equipment is about yeah, five or six hundred right now, 1481 01:15:12.079 --> 01:15:15.439 you have you have about five or six hundred in 1482 01:15:15.520 --> 01:15:20.279 a year and maybe twenty five percent expense. So if 1483 01:15:20.319 --> 01:15:21.479 it's spinning off. 1484 01:15:21.479 --> 01:15:24.479 Let's say you're doing I did basically three times in 1485 01:15:24.600 --> 01:15:28.279 three years, he's gonna pull down about a half a million. 1486 01:15:28.399 --> 01:15:30.760 That's what I assume and then the equipment. 1487 01:15:31.279 --> 01:15:34.000 And that's where I got two million, three times earnings 1488 01:15:34.039 --> 01:15:35.159 and then plus equipment. 1489 01:15:35.840 --> 01:15:39.039 Okay, three times so time. But did you take into 1490 01:15:39.119 --> 01:15:41.239 consideration the twenty five percent expense? 1491 01:15:42.680 --> 01:15:42.800 Uh? 1492 01:15:43.000 --> 01:15:45.439 No, I didn't, but I still think maybe around two million. 1493 01:15:45.479 --> 01:15:47.960 What I I just don't know anything about that business. 1494 01:15:48.039 --> 01:15:50.199 I just have no idea. But if he has a 1495 01:15:50.279 --> 01:15:52.640 recurring book, how long has that recurring book been going on. 1496 01:15:54.279 --> 01:15:56.880 I've been in business well over twenty years. 1497 01:15:57.439 --> 01:16:00.279 Man, you got something good to sell? Man, I'm telling you, 1498 01:16:00.800 --> 01:16:03.039 don't you have? Like, do you have any offspring that 1499 01:16:03.119 --> 01:16:03.800 are interested? 1500 01:16:05.760 --> 01:16:07.479 I was just gonna mention that I have a twenty 1501 01:16:07.560 --> 01:16:11.039 seven year old son, but he does operate a machine 1502 01:16:11.119 --> 01:16:15.720 forst does a fantastic job, really really good at it, 1503 01:16:15.880 --> 01:16:19.720 know the customers, but has no interest in running the business. 1504 01:16:19.960 --> 01:16:25.520 So and okay, wow, pushing pushing seventy So that's. 1505 01:16:25.359 --> 01:16:28.239 Too bad, man, What a nice little cash flow situation. 1506 01:16:28.520 --> 01:16:31.399 And that's a really nice business, Dave, You've built a 1507 01:16:31.479 --> 01:16:35.119 really nice business, you know what you know? As far 1508 01:16:35.199 --> 01:16:37.920 as brokers, yeah, that is probably something that's going to 1509 01:16:38.000 --> 01:16:41.199 need a broker. Don't brokers charge about fifteen percent? 1510 01:16:41.319 --> 01:16:41.479 Though? 1511 01:16:42.960 --> 01:16:48.000 I think ten ten plus, Yeah, maybe maybe more. I'm 1512 01:16:48.039 --> 01:16:49.079 not I'm not certain. 1513 01:16:51.680 --> 01:16:57.800 Yeah, call up Mallory over at Smith and Levine. Okay, Yeah, 1514 01:16:57.920 --> 01:17:02.800 here's a lady or a Mallory is an accountant? Is 1515 01:17:02.840 --> 01:17:03.119 a man? 1516 01:17:03.720 --> 01:17:04.399 Yeah, a man? 1517 01:17:04.479 --> 01:17:07.359 I'm sorry, Okay, I'll give you well for sure, for sure. 1518 01:17:07.399 --> 01:17:10.399 If you're approaching seventy, man, you better get out of business. 1519 01:17:10.479 --> 01:17:12.319 You're just I don't even know how you can make 1520 01:17:12.359 --> 01:17:13.640 it into the office every night. 1521 01:17:13.880 --> 01:17:14.640 I get shot. 1522 01:17:14.840 --> 01:17:15.960 I hear those kind of numbers. 1523 01:17:15.960 --> 01:17:19.319 I'm I'm kind of like Tom. I'm get me on 1524 01:17:19.399 --> 01:17:20.319 the proco ball court. 1525 01:17:20.479 --> 01:17:20.800 Let's go. 1526 01:17:21.640 --> 01:17:27.119 Yeah, let's have fun anyway, Okay, Dave, I hope that helps. 1527 01:17:27.279 --> 01:17:30.199 But Mallory's a good source to start. And then Rpcenter 1528 01:17:30.239 --> 01:17:32.760 dot com Retirement Planning Center of the Rockies is not bad. 1529 01:17:33.079 --> 01:17:35.800 Three all three seven one three tong seven one three 1530 01:17:35.840 --> 01:17:38.840 eight two five five. And we do have our guests 1531 01:17:38.880 --> 01:17:42.640 with us from Integra Insurance about health insurance. And someone 1532 01:17:42.720 --> 01:17:45.680 wants to know about group plans. Do you guys do 1533 01:17:45.760 --> 01:17:47.039 group plans for businesses? 1534 01:17:47.560 --> 01:17:48.359 We do small group. 1535 01:17:48.560 --> 01:17:50.319 So what is a small group? 1536 01:17:51.000 --> 01:17:52.319 Typically under fifty employees? 1537 01:17:52.600 --> 01:17:56.199 Under fifty Oh, that's pretty large. Okay, So larger than 1538 01:17:56.239 --> 01:17:58.520 that are different kinds of brokers. 1539 01:17:58.439 --> 01:18:01.800 Yes, sir. Okay, now who focus on those larger groups, Yes, sir? 1540 01:18:02.600 --> 01:18:07.319 On these smaller plans, what's the big hang up? In 1541 01:18:07.479 --> 01:18:09.600 other words, is it cheaper to get a group plan 1542 01:18:10.079 --> 01:18:12.479 or to allow or do you have to do you 1543 01:18:12.600 --> 01:18:15.039 have to You don't have to provide insurance, right. 1544 01:18:15.119 --> 01:18:17.560 Not for if you have less than fifty employees, you don't, not. 1545 01:18:17.760 --> 01:18:20.840 Less, but you can as an approach as a way 1546 01:18:20.880 --> 01:18:25.399 to attract and keep employees, right sure, okay, with group plans, 1547 01:18:25.479 --> 01:18:27.520 This is my question, not to Texters, they wanted to 1548 01:18:27.560 --> 01:18:28.880 know if you did it. I want to know this. 1549 01:18:29.720 --> 01:18:34.000 Are employers always obligated to kick in a portion? 1550 01:18:35.680 --> 01:18:39.640 It's certainly recommended, but again under a under fifty No, 1551 01:18:40.000 --> 01:18:41.840 But if you're offering it, you should. 1552 01:18:41.880 --> 01:18:44.279 There's no point in you offering it if you're not contributing. 1553 01:18:44.640 --> 01:18:47.119 You don't get discounts because of a group No. 1554 01:18:47.239 --> 01:18:50.479 Actually, in Colorado, and it does vary by state, but 1555 01:18:50.600 --> 01:18:55.159 in Colorado, group premiums in pretty much every rating area 1556 01:18:55.279 --> 01:18:56.960 are higher than the individual and family market. 1557 01:18:57.000 --> 01:18:58.159 So there are other options as well. 1558 01:18:58.279 --> 01:19:01.039 Yeah, you could do something for your employees, like an 1559 01:19:01.079 --> 01:19:04.079 allowance for it well, so there is something called an EKRA. 1560 01:19:04.199 --> 01:19:07.399 It's called an individual coverage Health Reimbursement arrangement. 1561 01:19:07.520 --> 01:19:08.199 Oh, that's cool. 1562 01:19:08.239 --> 01:19:11.960 That allows you to contribute pre tax just like a group. 1563 01:19:12.039 --> 01:19:14.399 I can contribute pre tax to an employee. 1564 01:19:14.880 --> 01:19:17.880 Well, yes, for them to go shop the individual market. 1565 01:19:18.119 --> 01:19:20.800 But there's still a lot of there's there's a lot 1566 01:19:21.000 --> 01:19:24.520 to that and documentation and all of those things regulation 1567 01:19:24.640 --> 01:19:24.920 as well. 1568 01:19:25.079 --> 01:19:28.079 But the business gets to give pre tax money to 1569 01:19:28.159 --> 01:19:31.399 their employee to reimburse them. Yes, sir, that's a pretty 1570 01:19:31.479 --> 01:19:35.840 cool plan. I mean, especially if group plans are more expensive, 1571 01:19:35.920 --> 01:19:37.840 why would you ever do a group plan? I don't 1572 01:19:37.880 --> 01:19:38.079 get that. 1573 01:19:38.239 --> 01:19:41.880 Well, so the group market allows you PPO options, so 1574 01:19:42.079 --> 01:19:45.079 a network of doctors and hospitals that is nationwide, where 1575 01:19:45.119 --> 01:19:47.319 you don't have that option on the individual market. And 1576 01:19:47.399 --> 01:19:49.279 so for for a lot of groups, that's an important 1577 01:19:50.159 --> 01:19:53.640 benefit is to be able to have that PPO nationwide network. Okay, 1578 01:19:54.239 --> 01:19:56.079 so that's really I mean, that's that's one of the 1579 01:19:56.079 --> 01:19:56.600 big difference. 1580 01:19:56.640 --> 01:20:01.039 The group plans are the ones that truly take advantage 1581 01:20:01.079 --> 01:20:02.039 of the PPOs. 1582 01:20:02.319 --> 01:20:04.960 Yes, sir, there are no PPO options on the individual Hey, Mark. 1583 01:20:05.000 --> 01:20:05.760 Let me bring you up here. 1584 01:20:05.800 --> 01:20:10.800 Are you still on Kaiser yeah, I've had Kaiser actually 1585 01:20:10.920 --> 01:20:14.359 through Integra for god Man, I don't know how many years. 1586 01:20:14.560 --> 01:20:16.960 And then prior to that, when I owned the Good Years, 1587 01:20:17.439 --> 01:20:21.640 we had around fifty employees and I had Kaiser for 1588 01:20:21.800 --> 01:20:24.920 my employees, and then prior to that, I had Kaiser 1589 01:20:25.079 --> 01:20:28.600 through my computer stores. I've had Kaiser for probably twenty years. 1590 01:20:31.520 --> 01:20:36.159 Okay, Anyway, I think you had a love hate relationship 1591 01:20:36.239 --> 01:20:38.359 for a while. Sometimes you love them, sometimes you don't. 1592 01:20:38.760 --> 01:20:41.720 The worst part I ever ran into with Kaiser, the 1593 01:20:41.920 --> 01:20:47.399 worst thing. I mean, I've had some I don't want 1594 01:20:47.439 --> 01:20:50.880 to say I've had some issues, but I dig not 1595 01:20:51.039 --> 01:20:54.640 everything goes great. But the biggest issue I had was 1596 01:20:54.720 --> 01:20:58.119 during COVID, how they wanted to cram those shots into 1597 01:20:58.199 --> 01:21:01.239 you more than any doctors I ever. I mean, you 1598 01:21:01.359 --> 01:21:04.000 couldn't even wake up without getting a text from them 1599 01:21:04.079 --> 01:21:06.640 to get in and get your shot before you die. 1600 01:21:07.039 --> 01:21:09.880 They were so heavy duty on that stuff. It was 1601 01:21:10.159 --> 01:21:13.439 just so overboard. It was crazy. By the way, Mark 1602 01:21:14.439 --> 01:21:19.399 being on Medicare right, so you would not believe the 1603 01:21:19.520 --> 01:21:25.520 emails Medicare sends out to seniors on on on this vaccine. 1604 01:21:25.720 --> 01:21:29.119 My god, are they just like it's like every day 1605 01:21:29.279 --> 01:21:30.279 you're getting hounded. 1606 01:21:30.800 --> 01:21:34.560 There's everybody people, everybody I know, and I think not 1607 01:21:34.760 --> 01:21:37.439 this year, but last year you fell into this. That's 1608 01:21:37.520 --> 01:21:40.680 got that double vaccine you have advertised where you get 1609 01:21:40.720 --> 01:21:42.319 the flu in the COVID at once. 1610 01:21:42.479 --> 01:21:46.520 Including deputy doc. It knocks there in the dirt. I mean, 1611 01:21:46.600 --> 01:21:49.359 it just didn't. I've never had that double thing. 1612 01:21:49.479 --> 01:21:49.600 I know. 1613 01:21:49.720 --> 01:21:51.399 No, no, no, I thought you did. Last know. The 1614 01:21:51.479 --> 01:21:53.439 thing that knocked the hell out of me was I 1615 01:21:53.560 --> 01:21:57.680 had the the shingrits, the pneumonia and the other. There 1616 01:21:57.720 --> 01:22:00.520 were three things. They were just as you get older. 1617 01:22:00.560 --> 01:22:04.439 I guess no moment you knocked them all out. Oh yes, 1618 01:22:04.760 --> 01:22:07.520 well no, no, what's that one? Oh yeah, that's right, 1619 01:22:07.640 --> 01:22:10.560 the respiratory thing. You're right. I had those three and 1620 01:22:10.600 --> 01:22:15.039 couldn't get out of bed the next Oh man, uh yeah, 1621 01:22:15.079 --> 01:22:17.119 that was something. Okay, we got to take this quick 1622 01:22:17.119 --> 01:22:19.239 break three O three seven on three A two five 1623 01:22:19.359 --> 01:22:28.039 five go with a sure thing Denver's Best roofer Excel 1624 01:22:28.159 --> 01:22:31.239 roofing dot com. You don't pay a cent until you're content. 1625 01:22:34.600 --> 01:22:37.760 Time for an insurance check up free no obligation comparison 1626 01:22:37.920 --> 01:22:41.479 call compass insurance paying too much your coverage at dozens 1627 01:22:41.479 --> 01:22:44.239 of insurance companies find out Now three oh three seven 1628 01:22:44.359 --> 01:22:47.119 seven to one help. You'll think you're his only customer 1629 01:22:47.159 --> 01:22:49.359 when you choose Frank durand the real estate man dot 1630 01:22:49.479 --> 01:22:52.760 com to list your home with Remax Alliance three oh 1631 01:22:52.840 --> 01:23:00.640 three nine two zero sixteen twenty two Time three seven 1632 01:23:01.119 --> 01:23:04.359 one three Talk three oh three seven to one, three 1633 01:23:04.960 --> 01:23:08.840 eight two five five eight eight eight Heating dot Com. 1634 01:23:08.960 --> 01:23:12.600 Remember for the UH forty five dollars Deep Clean eight 1635 01:23:12.680 --> 01:23:15.000 eight eight heating dot Com. I want to remind you 1636 01:23:15.039 --> 01:23:17.079 of them. They're good people and this is the time 1637 01:23:17.079 --> 01:23:19.079 of year to get things fixed. So we have Integra 1638 01:23:19.119 --> 01:23:22.640 Insurance with us and we're taking your problems, questions and complaints. 1639 01:23:23.039 --> 01:23:27.439 And uh Kachina, let's talk about uh Jeffy Lube. I 1640 01:23:27.479 --> 01:23:29.359 want to go back to that. In the beginning of 1641 01:23:29.399 --> 01:23:34.279 the show here it was UH soil. 1642 01:23:33.520 --> 01:23:38.520 Change Gear Oil change Gearmo Diaz called in and he 1643 01:23:38.720 --> 01:23:42.239 had an issue with Jeffy Lube, and he gave me 1644 01:23:42.600 --> 01:23:49.239 two numbers, one to the local manager of the Jiffylube 1645 01:23:49.279 --> 01:23:51.640 that he was at and then one to the district 1646 01:23:52.439 --> 01:23:56.840 regional manager. So I talked to both of them, and unfortunately, 1647 01:23:57.039 --> 01:24:01.640 because of corporate responsible and things like that, they were 1648 01:24:01.760 --> 01:24:05.000 not able to come on the show, but they do 1649 01:24:05.199 --> 01:24:10.239 say that there is a motor. They want to change 1650 01:24:10.319 --> 01:24:13.640 out the motor because they realize that they did do 1651 01:24:13.880 --> 01:24:19.000 damage and they're willing to do that. But unfortunately Geirmo 1652 01:24:19.239 --> 01:24:20.960 has not answered them back. 1653 01:24:22.039 --> 01:24:23.359 He said he hasn't heard from that. 1654 01:24:23.479 --> 01:24:26.680 Well that's kind of funny because he's saying the same thing. 1655 01:24:26.800 --> 01:24:28.039 I mean, that's ridiculous. 1656 01:24:28.319 --> 01:24:30.960 So so saying he hasn't heard from. 1657 01:24:30.840 --> 01:24:34.199 Them, right, So I left a message for Girmo back 1658 01:24:35.159 --> 01:24:37.359 and I have not heard anything back yet. 1659 01:24:37.399 --> 01:24:38.720 But that's the update on that. 1660 01:24:40.319 --> 01:24:40.560 Hmm. 1661 01:24:41.359 --> 01:24:46.279 Interesting. Okay, sod did we call him back? Did you 1662 01:24:46.319 --> 01:24:47.920 say you were trying to call him back to tell. 1663 01:24:47.880 --> 01:24:49.239 Him I loved him a message. 1664 01:24:49.720 --> 01:24:52.760 I'm trying me just all right, that's good. Look at 1665 01:24:52.880 --> 01:24:54.680 he ought to call and say, look, I was told 1666 01:24:54.760 --> 01:24:56.840 you're going to take care of this, so take care 1667 01:24:56.880 --> 01:25:01.359 of it please. Okay, and let me go back to 1668 01:25:01.520 --> 01:25:04.279 let me go back to my texts. Okay, this guy 1669 01:25:04.399 --> 01:25:08.279 said what do you do about this? To my fellow neighbors. 1670 01:25:08.479 --> 01:25:12.199 This is a posting that he copied on our text. 1671 01:25:13.359 --> 01:25:16.720 I wanted to make you aware of three oh three 1672 01:25:16.840 --> 01:25:20.439 Roofing and Construction Now, did we have a problem with them? 1673 01:25:20.520 --> 01:25:23.159 Three oh three? I believe we did. Let's go into 1674 01:25:23.199 --> 01:25:26.640 our memory base anyway, three oh three Roofing and Construction 1675 01:25:26.920 --> 01:25:31.359 and Josh Sandoval absolutely I remember this, okay. He requested 1676 01:25:31.479 --> 01:25:37.079 ten thousand dollars upfront to begin work on my roof Now, 1677 01:25:37.159 --> 01:25:41.640 of course I negotiated a five thousand dollars down payment. 1678 01:25:41.880 --> 01:25:44.760 So this person thought they were protecting themselves. It's been 1679 01:25:44.800 --> 01:25:48.119 three months and not heard a word. That is just 1680 01:25:48.680 --> 01:25:51.960 goes to show you people don't put a penny down 1681 01:25:52.079 --> 01:25:56.960 with roofers, do you hear me? Not a penny with roofers. 1682 01:25:57.640 --> 01:26:02.079 Josh Sandoval is a scumbag with three to zero three roofing. 1683 01:26:03.159 --> 01:26:07.239 So that is coming in through my text, and you know, 1684 01:26:08.319 --> 01:26:12.600 here's what pisses me off. These are clear violations of 1685 01:26:12.640 --> 01:26:15.920 the Contractor's Trust Act, which is meant to be civil 1686 01:26:16.000 --> 01:26:20.039 but then criminal. We have this justin what's his name, 1687 01:26:20.119 --> 01:26:25.279 that Jerk Gustin justin Garcia, and who's been now I 1688 01:26:25.399 --> 01:26:27.359 know Bo's been doing. Were you the one in touch 1689 01:26:27.399 --> 01:26:30.119 with the El Paso No, it was Bo with a 1690 01:26:30.239 --> 01:26:31.520 Passo District attorney. 1691 01:26:31.680 --> 01:26:32.239 That was Bo. 1692 01:26:32.520 --> 01:26:35.720 I was in touch with the Colorado Attorney General's office 1693 01:26:36.039 --> 01:26:37.039 and the police department. 1694 01:26:37.520 --> 01:26:42.039 Now the El Paso County won't do anything a Passo 1695 01:26:42.159 --> 01:26:48.640 County because they say that it's a civil matter, and 1696 01:26:48.760 --> 01:26:51.840 they're full of crap. It can be a civil matter 1697 01:26:52.000 --> 01:26:55.000 if it was a simple contract matter. But this is 1698 01:26:55.079 --> 01:26:58.800 where the guy stole from her completely, sixty two thousand dollars. 1699 01:26:59.159 --> 01:27:02.960 He's a liar and he's a thief. He's a liar 1700 01:27:03.239 --> 01:27:08.560 and a thief Justin Garcia. He's a liar and a thief, 1701 01:27:09.079 --> 01:27:10.960 and I want to give out his information. I'm trying 1702 01:27:11.000 --> 01:27:14.800 to find it here on our call screener. But man, 1703 01:27:14.960 --> 01:27:20.479 I'm telling you, this guy is just such a scumbag. Okay, 1704 01:27:20.600 --> 01:27:25.199 here he is. In June of twenty twenty three, she 1705 01:27:25.439 --> 01:27:31.039 contracted for a custom built for a custom build on 1706 01:27:31.159 --> 01:27:35.800 a cabin. Okay, she wanted to have this cabin put 1707 01:27:35.840 --> 01:27:41.159 on her property. She contacted the company and bought the cabin, 1708 01:27:41.279 --> 01:27:45.720 but then went to Justin Garcia and paid him sixty 1709 01:27:45.760 --> 01:27:48.000 two thousand dollars down two years ago. He's never done 1710 01:27:48.000 --> 01:27:51.800 a liquor work, period, not one liquor work. Sixty two 1711 01:27:51.960 --> 01:27:59.239 thousand dollars and this stupid moronic El Paso County District 1712 01:27:59.319 --> 01:28:02.520 Attorney is just sluffing it off, saying, oh, that's a 1713 01:28:02.560 --> 01:28:04.560 civil matter. You know what it means when they say 1714 01:28:04.640 --> 01:28:07.439 it's a civil matter. Well, sometimes it is a civil matter, 1715 01:28:07.680 --> 01:28:10.000 but most of the time it means I'm on the 1716 01:28:10.079 --> 01:28:13.880 public dole, I'm sitting on my ass and I don't 1717 01:28:13.920 --> 01:28:17.039 want to do anything that really helps people. That's what 1718 01:28:17.199 --> 01:28:22.920 it means for al Paso County District Attorney. Now, has 1719 01:28:23.000 --> 01:28:27.079 anyone questioned the al Paso County District Attorney and said, 1720 01:28:27.359 --> 01:28:30.039 could you give us your reasoning on the air? Can 1721 01:28:30.119 --> 01:28:30.560 we do that? 1722 01:28:30.760 --> 01:28:30.840 Bo? 1723 01:28:31.279 --> 01:28:34.880 I know bo is probably listening today. Let's do that, 1724 01:28:35.279 --> 01:28:39.279 because that really sucks that they This is a clear 1725 01:28:39.479 --> 01:28:43.560 violation that money was not put into trust. Now, when 1726 01:28:44.319 --> 01:28:48.760 you have violations of the Contrastors Trust Act, yes, it's 1727 01:28:48.880 --> 01:28:51.800 civil when it is person to person, but when they 1728 01:28:51.920 --> 01:28:55.960 do something so blatant, it can become criminal and prosecutable. 1729 01:28:56.359 --> 01:29:00.279 Unless you're in al Paso County. I don't underst stand 1730 01:29:00.319 --> 01:29:02.399 them at all. It was al Paso County though, right, 1731 01:29:02.520 --> 01:29:03.960 that was the one she was dealing with. 1732 01:29:04.439 --> 01:29:06.039 That's the email that I saw from BO. 1733 01:29:07.600 --> 01:29:10.159 I'm just really pissed off. I saw the email to 1734 01:29:10.680 --> 01:29:13.960 they won't help. Is the state Attorney General going to help? 1735 01:29:14.520 --> 01:29:17.720 Well, apparently they had a meeting with Phil Weisner himself 1736 01:29:17.800 --> 01:29:21.600 a few days ago in this matter, and they haven't 1737 01:29:21.640 --> 01:29:24.039 told me what, if anything, they're going to do. They 1738 01:29:24.359 --> 01:29:26.279 just asked me to kind of stand by, and the 1739 01:29:26.359 --> 01:29:28.199 AG's office said that they'll get back to me. 1740 01:29:29.239 --> 01:29:32.840 This is a sixty two thousand dollars theft from an 1741 01:29:32.840 --> 01:29:37.319 elderly woman, sixty two grand. This is why we need them. 1742 01:29:37.760 --> 01:29:40.359 This is why we need more people like George Brockler 1743 01:29:40.439 --> 01:29:43.199 that are actually hard on real crime. I don't care 1744 01:29:43.239 --> 01:29:46.720 if it's economical, because here's the bottom line. Sixty three 1745 01:29:46.880 --> 01:29:51.760 thousand dollars could be that person's entire life, entirely it is. 1746 01:29:52.239 --> 01:29:56.640 It is ray the last of her money. She's old, broke, lonely, 1747 01:29:56.840 --> 01:29:57.479 and scared. 1748 01:29:58.079 --> 01:30:00.880 These liberal das should get their head out of their 1749 01:30:01.039 --> 01:30:04.600 asses and prosecute these contractors like this guy. 1750 01:30:06.159 --> 01:30:08.439 Yeah, it's it's really terrible, It really is. 1751 01:30:08.880 --> 01:30:12.159 You know, when Florida they take these guys down, they would, Man, 1752 01:30:12.239 --> 01:30:15.359 they don't mess around and with contractors. 1753 01:30:14.680 --> 01:30:19.119 In Florida, No Mark, not only that, listen to this 1754 01:30:19.840 --> 01:30:22.960 in Florida when it's a felony over a certain amount 1755 01:30:22.960 --> 01:30:25.199 of money, I think a thousand or two whatever. If 1756 01:30:25.239 --> 01:30:29.960 you have three of them, there are actually contractors sentenced 1757 01:30:30.479 --> 01:30:35.600 to life life. You know they had. It wasn't long ago. 1758 01:30:35.640 --> 01:30:37.760 I think it was a week ago. After the hurricane. 1759 01:30:38.319 --> 01:30:40.479 They came out and the one sheriff maybe it was 1760 01:30:40.560 --> 01:30:43.920 a governor or himself said, you know, you loot, we shoot, 1761 01:30:44.159 --> 01:30:45.079 And they're not kidding. 1762 01:30:46.239 --> 01:30:46.520 God. 1763 01:30:47.600 --> 01:30:51.239 You know again, it's an election year, people are going 1764 01:30:51.279 --> 01:30:55.600 to vote. Just remember where crime is rampant and where 1765 01:30:55.680 --> 01:30:59.119 crime is not. How about that one just going by 1766 01:30:59.199 --> 01:31:05.880 crime itself, you know, just think about that three oh 1767 01:31:05.960 --> 01:31:07.239 three seven one three talk. 1768 01:31:08.039 --> 01:31:10.800 It's it's a sad place we're at when it comes 1769 01:31:10.880 --> 01:31:13.560 to crime. It's hard to believe that we have such 1770 01:31:13.680 --> 01:31:17.359 political differences at one side, like thinks crime is fine. 1771 01:31:17.800 --> 01:31:20.880 If you can shoplift anything you want under a thousand bucks, 1772 01:31:21.479 --> 01:31:22.560 no problem. 1773 01:31:22.359 --> 01:31:23.159 Will cut you out. 1774 01:31:23.800 --> 01:31:27.520 You can beat up cops cops in New York City, 1775 01:31:27.640 --> 01:31:29.640 kick them in the face, do all this stuff, and 1776 01:31:29.760 --> 01:31:30.960 they let you out on bail. 1777 01:31:31.039 --> 01:31:33.560 I mean, how about with zero mo Colorado you can 1778 01:31:33.640 --> 01:31:34.359 steal cars? 1779 01:31:35.039 --> 01:31:38.199 Oh my god, we were the worst, the worst with 1780 01:31:38.399 --> 01:31:42.279 car staffs because our governor, everybody out there listening, less 1781 01:31:42.319 --> 01:31:45.920 than three weeks to go for just please, please, for 1782 01:31:46.119 --> 01:31:49.119 God's sake, just think of the crime. I've lived here 1783 01:31:49.239 --> 01:31:51.920 thirty years. It used to be a pretty nice damn place. 1784 01:31:53.039 --> 01:31:53.199 Well. 1785 01:31:53.239 --> 01:31:55.960 You know what's really scary, guys, if you ever watch 1786 01:31:56.079 --> 01:32:02.279 some of the hearings on YouTube of the Republicans questioning 1787 01:32:02.359 --> 01:32:06.560 the Democratic nominees for circuit and federal court judges, you 1788 01:32:06.640 --> 01:32:09.960 will be sixty a stomach about some of the judges 1789 01:32:10.279 --> 01:32:11.560 that are being put on the bench. 1790 01:32:12.039 --> 01:32:13.600 It is absolutely disgusting. 1791 01:32:14.279 --> 01:32:16.439 That goes on both sides. For sure, we got some. 1792 01:32:16.800 --> 01:32:20.039 There's some crazy white wing, right wing judges. 1793 01:32:20.319 --> 01:32:21.039 They're not like these. 1794 01:32:21.439 --> 01:32:24.600 They won't. They actually gave a list of all. 1795 01:32:24.920 --> 01:32:28.760 Times doctor crime. Stuff's incredibly bad. I don't even know 1796 01:32:28.840 --> 01:32:33.000 how they do it. Yeah, but somehow, how do you 1797 01:32:33.119 --> 01:32:35.399 look at how do you look at cop or or 1798 01:32:35.560 --> 01:32:38.640 anybody that got the crap beat out of them by 1799 01:32:38.760 --> 01:32:41.560 some gang member that they arrested. How do you look 1800 01:32:41.600 --> 01:32:43.760 them in the eyes when you don't even charge them 1801 01:32:43.880 --> 01:32:46.079 for bail and cut them loose and then they do 1802 01:32:46.199 --> 01:32:48.199 it again. How do you look at the next victim? 1803 01:32:48.680 --> 01:32:53.279 It's remarkable, I know, and then hold on now, no wait, 1804 01:32:53.359 --> 01:32:55.000 I want to say one more thing. When it comes 1805 01:32:55.039 --> 01:32:57.359 to Colorado, you know, they want to make it sound 1806 01:32:57.479 --> 01:32:58.840 like this Aurora complex. 1807 01:32:58.960 --> 01:33:02.119 Oh, Trump's just making it up. I saw the video. 1808 01:33:02.399 --> 01:33:06.439 Does anybody doubt there weren't people with high capacity weapons 1809 01:33:06.760 --> 01:33:09.520 that when I related to a gang walking around. 1810 01:33:09.760 --> 01:33:15.159 Mark Mark Mark, I just watched next on Denying News 1811 01:33:15.439 --> 01:33:20.199 and Denying News says it didn't happen. It's crazy. It's 1812 01:33:20.279 --> 01:33:22.359 like the lady actually made up the video. 1813 01:33:22.479 --> 01:33:25.079 By the way, the lady that got that video was 1814 01:33:25.119 --> 01:33:27.479 at the rally last week and she came. 1815 01:33:27.439 --> 01:33:31.680 Up and talked with Trump. Did you see and then 1816 01:33:31.800 --> 01:33:35.079 and then then the mayor did you wait to say 1817 01:33:35.079 --> 01:33:39.359 a discussion with Vance on on the one show where 1818 01:33:39.520 --> 01:33:43.520 where the woman was hollowed, they changed the answer no, no, no, no, 1819 01:33:43.880 --> 01:33:48.359 talk about where Vance and and this blonde woman, I 1820 01:33:48.439 --> 01:33:51.079 forget who she was. She was saying, you know, we 1821 01:33:51.319 --> 01:33:54.920 looked into that Aurora, Colorado apartment house thing, and it 1822 01:33:55.039 --> 01:33:59.079 was sadly exaggerated. Here's what she said, only a handful 1823 01:33:59.119 --> 01:34:02.560 of apartment. How As we're taken over and the cent 1824 01:34:02.640 --> 01:34:06.319 Aurora police dealt with it, and he says, excuse me 1825 01:34:06.840 --> 01:34:10.079 in the United States of America. You're saying that's not 1826 01:34:10.199 --> 01:34:13.239 a problem, that only a handful of apartment houses were 1827 01:34:13.279 --> 01:34:15.840 taken over, and Donald Trump is the problem. 1828 01:34:16.159 --> 01:34:17.079 You know it was. 1829 01:34:17.199 --> 01:34:20.880 It was such an amazing exchange, and uh, of course 1830 01:34:20.920 --> 01:34:24.199 that's nothing you're going to see on denying News. Anyway. 1831 01:34:24.279 --> 01:34:31.840 We got more coming up on the Troubleshooter Show. Go 1832 01:34:32.000 --> 01:34:35.560 with a sure thing Denver's Best roofer Excel Roofing dot com. 1833 01:34:35.760 --> 01:34:41.479 You don't pay a cent until you're content. Time for 1834 01:34:41.520 --> 01:34:45.239 an insurance checkup free, no obligation. In comparison, call Compass 1835 01:34:45.319 --> 01:34:48.600 Insurance paying too much your coverage at dozens of insurance 1836 01:34:48.640 --> 01:34:51.159 companies find out now three all three seven seven to 1837 01:34:51.199 --> 01:34:53.960 one help. You'll think you're his only customer when you 1838 01:34:54.079 --> 01:34:56.479 choose Frank durand the real estate Man dot com to 1839 01:34:56.600 --> 01:34:59.920 list your home with Remax Alliance three three nine two 1840 01:35:00.039 --> 01:35:10.800 zero sixteen twenty two. Hi Tom Martino, you're Troubleshooter three 1841 01:35:10.920 --> 01:35:14.119 O three seven one three talk three oh three seven 1842 01:35:14.159 --> 01:35:18.520 one three eight two five five. Welcome to the show. Okay, 1843 01:35:19.239 --> 01:35:23.960 so let me grab some texts here and we're going 1844 01:35:24.039 --> 01:35:28.680 to first go to Grandmo Garamo, who had the problem 1845 01:35:28.800 --> 01:35:33.600 with the contractor. Let's go here. Okay, so do we 1846 01:35:33.680 --> 01:35:36.000 have an update on oh oh, on the uh on 1847 01:35:36.119 --> 01:35:37.680 the jeep? Grandma, what's going on? 1848 01:35:39.319 --> 01:35:41.760 Hey, good afternoon, Tell Latin, how are you good? 1849 01:35:41.840 --> 01:35:44.319 What's happening? Oh? This is a new this is a 1850 01:35:44.399 --> 01:35:46.640 new one. I'm sorry. I thought this was a follow up. 1851 01:35:46.680 --> 01:35:51.279 I'm sorry. This is about a roofer correct, Okay, what's 1852 01:35:51.319 --> 01:35:51.560 going on? 1853 01:35:53.520 --> 01:35:53.720 Well? 1854 01:35:53.760 --> 01:35:56.760 I guess basically, uh, you know, three months down the road. 1855 01:35:56.840 --> 01:35:59.039 I gave him a check on July second week, we 1856 01:35:59.159 --> 01:36:02.159 went under contract. On June twentieth. We signed a contract. 1857 01:36:02.239 --> 01:36:04.920 We have all the documentations. I gave him a check 1858 01:36:05.039 --> 01:36:06.800 of five thousand dollars. 1859 01:36:07.600 --> 01:36:10.520 Now is this the and which one is this? Is 1860 01:36:10.600 --> 01:36:11.840 this the one I was reading about? 1861 01:36:13.239 --> 01:36:16.079 Yes, I just called him a little bit ago. His name, 1862 01:36:16.439 --> 01:36:18.119 his name is Josh dand the ball. 1863 01:36:18.399 --> 01:36:21.359 Yeah, we've had three oh three and he's using someone 1864 01:36:21.399 --> 01:36:27.399 else's contract. Now, as as I remember, what, didn't three 1865 01:36:27.439 --> 01:36:31.199 to oh three tell us that this Josh Sandoval had 1866 01:36:31.319 --> 01:36:35.479 nothing to do with them? I thought that's what they 1867 01:36:35.640 --> 01:36:39.560 told us. Yeah, hold on, here's the one I have. 1868 01:36:40.199 --> 01:36:40.840 Here's the one I have. 1869 01:36:41.520 --> 01:36:41.640 Uh? 1870 01:36:41.880 --> 01:36:46.079 Kayla called us about three oh three roofing and Construction 1871 01:36:47.079 --> 01:36:51.000 LLC and Josh Sandoval and Josh Sandoval is at seven 1872 01:36:51.039 --> 01:36:54.840 to zero three two zero eighty three eighty seven Unit 1873 01:36:54.920 --> 01:36:58.359 one on Yukon Street in Denver. She paid six grand 1874 01:36:58.479 --> 01:37:02.880 up front. He never came back. The company three zero 1875 01:37:02.880 --> 01:37:06.520 three Construction Roofing into Constructions say they don't even know 1876 01:37:06.640 --> 01:37:10.039 the guy and have nothing to do with him. Apparently, yeah, 1877 01:37:10.640 --> 01:37:13.279 he is using someone else's contract. 1878 01:37:14.239 --> 01:37:18.479 From my understanding. From that, there's a guy by his 1879 01:37:18.640 --> 01:37:21.039 website's like legit and stuff. His name is the three 1880 01:37:21.159 --> 01:37:25.560 or three Construction, But this guy has a I don't 1881 01:37:25.560 --> 01:37:28.840 know if if it's a stake contract or documentation that 1882 01:37:28.920 --> 01:37:30.960 he's using by he's going by the name of three 1883 01:37:31.039 --> 01:37:35.520 O three Roofing and Construction. I did call Brian Moore, 1884 01:37:35.640 --> 01:37:38.479 which is the owner of that three yo three construction company, 1885 01:37:38.640 --> 01:37:41.920 and he gave me some information that this person Josh 1886 01:37:42.159 --> 01:37:46.359 a found the wall is using his contract contract illegally inofense. 1887 01:37:46.880 --> 01:37:49.399 I'm not sure if he's submitted paperwork or called the 1888 01:37:49.520 --> 01:37:50.520 deputies or any. 1889 01:37:50.479 --> 01:37:53.800 How long ago did you pay him? How long ago? 1890 01:37:53.960 --> 01:37:57.359 Dave him a check July second, a check of five 1891 01:37:57.399 --> 01:37:59.760 thousand dollars and he said with him that sign from 1892 01:37:59.840 --> 01:38:02.800 you know, because of the catastrophic event that happened in 1893 01:38:02.880 --> 01:38:05.439 the Thornin area that we would be looking at between 1894 01:38:05.479 --> 01:38:08.720 two to three weeks for installation, which was fine, you 1895 01:38:08.760 --> 01:38:11.800 know at the end of that, and you never. 1896 01:38:11.720 --> 01:38:15.000 Heard from a mcganbal and you never heard from him again. 1897 01:38:16.399 --> 01:38:19.880 I have, but he's like he stocked contacting me the 1898 01:38:19.920 --> 01:38:22.960 communication at all. I've called the deputies. They can't really 1899 01:38:23.039 --> 01:38:26.319 do anything. They all they just guess is bring a 1900 01:38:26.399 --> 01:38:29.079 small claims court. But I just think it's wrong, disper 1901 01:38:29.720 --> 01:38:30.279 Why is it? 1902 01:38:30.560 --> 01:38:33.960 Why is it that law enforcement will not get involved 1903 01:38:34.279 --> 01:38:37.439 with people who outright steal money like this? Why is it? 1904 01:38:38.159 --> 01:38:40.960 I mean, really we have to start. We really need 1905 01:38:41.479 --> 01:38:45.920 to contact some people with the local district attorney's offices 1906 01:38:46.119 --> 01:38:50.199 and talk to them. This is getting to be epidemic. 1907 01:38:52.039 --> 01:38:54.399 And I would just feel horrible if this comes to 1908 01:38:54.479 --> 01:38:57.279 tap into an olderly you know people, or anybody over 1909 01:38:57.359 --> 01:38:59.840 on general. It's nonsense that this person is doing this. 1910 01:39:00.920 --> 01:39:03.119 He's you know, not communicating that with me at all. 1911 01:39:03.279 --> 01:39:05.520 And you know the thing is that his ex wife 1912 01:39:05.720 --> 01:39:07.479 referred to him to me. That's that's how I kind 1913 01:39:07.520 --> 01:39:10.079 of like trusted him a lot. More is because his 1914 01:39:10.239 --> 01:39:13.359 ex wife is a friend of mine, but these stopped 1915 01:39:13.359 --> 01:39:15.600 communicating with her at all. She tried to help out, 1916 01:39:15.760 --> 01:39:19.039 Like he's just being picking it very personal off this point, 1917 01:39:19.920 --> 01:39:23.319 he's you know, just rude overall. Doesn't have to take 1918 01:39:23.359 --> 01:39:26.920 accountability at first. He's giving me excuses after excuse of 1919 01:39:27.000 --> 01:39:30.520 like contractors of contractors doesn't take accountability. 1920 01:39:30.760 --> 01:39:33.760 It's a scam ability, it's a scam. It's just let's 1921 01:39:33.920 --> 01:39:36.600 just call it what it is. It's a scam factor. 1922 01:39:38.279 --> 01:39:41.399 Yeah, and unfortunately, you know, three months, you know, now 1923 01:39:41.479 --> 01:39:43.640 it's already like four months that have been in contract 1924 01:39:44.279 --> 01:39:47.239 with him, and no mindy with just those five hundred 1925 01:39:47.239 --> 01:39:49.319 dollars se number turn he sent him a threat check 1926 01:39:49.760 --> 01:39:52.359 cashier's check. But now it's going to be more of 1927 01:39:52.359 --> 01:39:55.680 a hassle for him to pay me those additional nine 1928 01:39:55.800 --> 01:39:58.720 payments because he posted on the in the memo that 1929 01:39:58.840 --> 01:40:01.600 this is the first payment of ten payments, which is, 1930 01:40:02.159 --> 01:40:04.479 we didn't agree to this to return my money this way, 1931 01:40:05.119 --> 01:40:06.439 and it's just he's a camera. 1932 01:40:06.479 --> 01:40:09.520 Wait, has he given away did you say he gave 1933 01:40:09.600 --> 01:40:10.479 you some money back? 1934 01:40:11.920 --> 01:40:15.279 He'd spent a check of five thousand dollars to my 1935 01:40:15.439 --> 01:40:18.319 home address. I'm sorry, five hundred dollars. 1936 01:40:18.359 --> 01:40:20.640 Sorry, that's my fault, and said he would pay you 1937 01:40:20.760 --> 01:40:22.760 in five So wait, was it a good check? 1938 01:40:24.720 --> 01:40:26.720 I did was able to pass it. But the thing 1939 01:40:26.880 --> 01:40:29.079 is that me and him did not come in agreement 1940 01:40:29.199 --> 01:40:29.399 to this. 1941 01:40:29.840 --> 01:40:32.239 No, no, I understand this, but I just want to know. 1942 01:40:32.399 --> 01:40:34.720 I want to give credit where credits due. He did return. 1943 01:40:35.000 --> 01:40:36.960 I'm not saying that's the greatest thing in the world, 1944 01:40:37.000 --> 01:40:38.560 but he returned five hundred. 1945 01:40:38.279 --> 01:40:41.560 Bucks corrupt five dred dollars yet, and. 1946 01:40:41.640 --> 01:40:44.880 He promises to return more. I want to call him. 1947 01:40:45.159 --> 01:40:49.039 Who's we had bow handling? This bow isn't here today? 1948 01:40:49.159 --> 01:40:53.920 Is he? Because we had both? 1949 01:40:54.039 --> 01:40:54.960 Tom? Huh. 1950 01:40:55.119 --> 01:40:56.000 I'll give him a call. 1951 01:40:56.560 --> 01:40:59.680 Yeah, we had that number. Did you get his number? 1952 01:40:59.760 --> 01:41:03.199 I have his number? You probably Germot has his number two. 1953 01:41:03.239 --> 01:41:05.640 Talk to him off the air. Three oh three seven 1954 01:41:05.720 --> 01:41:13.960 one three eight two five five. Go with a sure 1955 01:41:14.079 --> 01:41:17.479 thing Denver's Best roofer Excel Roofing dot com. You don't 1956 01:41:17.520 --> 01:41:23.520 pay a cent until you're content. Time for an insurance 1957 01:41:23.640 --> 01:41:27.720 check up, free no obligation comparison call Compass Insurance paying 1958 01:41:27.760 --> 01:41:30.800 too much your coverage at dozens of insurance companies find 1959 01:41:30.840 --> 01:41:33.159 out now three oh three seven seven to one. Help. 1960 01:41:33.359 --> 01:41:36.000 You'll think you're his only customer when you choose Frank 1961 01:41:36.039 --> 01:41:38.479 durand the real estate man dot com to list your 1962 01:41:38.560 --> 01:41:41.640 home with Remax Alliance three oh three nine two zero 1963 01:41:41.800 --> 01:41:49.520 sixteen twenty two. Hi Tom Martino here three O three 1964 01:41:49.840 --> 01:41:55.159 seven one three talk seven one three eight two five five. Okay, 1965 01:41:55.359 --> 01:41:59.920 so Berta, what's going on with American Airlines? 1966 01:42:01.640 --> 01:42:06.520 Well, my husband, my grandson, and I purchased tickets for 1967 01:42:06.600 --> 01:42:10.399 a trip on American Airlines, but we had to cancel 1968 01:42:10.560 --> 01:42:13.960 because my grandson got COVID and they said, okay, we 1969 01:42:14.039 --> 01:42:17.079 can't return your money, but we'll give you trip credits 1970 01:42:17.920 --> 01:42:20.720 and we said okay, and it was good for a year, 1971 01:42:21.239 --> 01:42:28.039 which expired May twenty twenty four. In May twenty seventh. Actually, 1972 01:42:29.199 --> 01:42:31.520 during that time, we were trying to figure out when 1973 01:42:31.600 --> 01:42:34.520 we could go on this trip with my grandson being 1974 01:42:34.600 --> 01:42:38.720 in college and whatnot. That he ended up having job surgery, 1975 01:42:38.920 --> 01:42:40.920 had to delay it. My husband had back surgery. 1976 01:42:41.159 --> 01:42:44.439 Yeah, but what happened to the what happened to the deadline? 1977 01:42:45.880 --> 01:42:48.319 Well, then when the deadline was coming up, I was 1978 01:42:48.399 --> 01:42:52.720 making plans with the reservation person and I thought it 1979 01:42:52.920 --> 01:42:57.079 was expired. Me thirty first and it was May twenty seventh, 1980 01:42:57.159 --> 01:42:58.319 and when I called on. 1981 01:42:58.359 --> 01:43:01.439 Major, I mean you, I mean three days. 1982 01:43:02.880 --> 01:43:07.279 Well I did because of all this surgery recovery time. 1983 01:43:07.119 --> 01:43:09.239 That we mart hold on, let me take you up 1984 01:43:09.279 --> 01:43:12.199 and see what's gonna go on. She was talking to 1985 01:43:12.279 --> 01:43:14.840 him at the time. Went right over the day. We'll 1986 01:43:14.840 --> 01:43:17.359 see what happened. So stick around. I'll come to you, 1987 01:43:17.439 --> 01:43:19.079 and Frank I'll get you as well. We also have 1988 01:43:19.199 --> 01:43:23.119 Integrainsurance dot com. I'm Tom Martino three oh three seven 1989 01:43:23.159 --> 01:43:25.520 to one three talk or three oh three Martino three 1990 01:43:25.560 --> 01:43:30.399 oh three six two seven eight four sixty six. Go 1991 01:43:30.560 --> 01:43:34.159 with a sure thing Denver's best roofer Excel Roofing dot com. 1992 01:43:34.319 --> 01:43:39.920 You don't pay a cent until you're content of time 1993 01:43:40.000 --> 01:43:43.239 for an insurance check up, free no obligation comparison call 1994 01:43:43.399 --> 01:43:46.680 Compass Insurance paying too much your coverage at dozens of 1995 01:43:46.720 --> 01:43:49.680 insurance companies find out now three oh three seven seven 1996 01:43:49.680 --> 01:43:52.439 to one help. You'll think you're his only customer when 1997 01:43:52.479 --> 01:43:54.760 you choose Frank durand the real estate Man dot com 1998 01:43:55.000 --> 01:43:58.079 to list your home with Remax Alliance three oh three 1999 01:43:58.199 --> 01:44:00.000 nine two zero sixteen twenty two. 2000 01:44:05.479 --> 01:44:13.800 Ripped up needed by So you don't have come running 2001 01:44:14.039 --> 01:44:15.399 just as fast as we can. 2002 01:44:16.720 --> 01:44:18.600 Shooter's gonna help come. 2003 01:44:19.239 --> 01:44:24.840 Man Dix is the Troubleshooter Show now, don Martine. 2004 01:44:25.000 --> 01:44:27.279 Hey, welcome to the show. Three oh three seven one 2005 01:44:27.359 --> 01:44:30.880 three talk seven one three eight two five five. Let's 2006 01:44:31.119 --> 01:44:34.279 talk to you about life, liberty and the pursuit of happiness. 2007 01:44:34.439 --> 01:44:36.399 And we have Mark standing by as you'll see him 2008 01:44:36.439 --> 01:44:40.199 right there, and we are here to solve problems. You'll 2009 01:44:40.199 --> 01:44:43.119 see in my studio here. I got Integrat Insurance for 2010 01:44:43.239 --> 01:44:47.880 talking about buying insurance because it is open enrollment and 2011 01:44:48.000 --> 01:44:51.439 I want you to join us for that and you 2012 01:44:51.600 --> 01:44:55.880 can ask any questions you want about buying health insurance. 2013 01:44:56.319 --> 01:45:00.560 It's very important. And also this how are brought to 2014 01:45:00.560 --> 01:45:03.920 you by Wave eight Wealth Management. As I announced yesterday, 2015 01:45:04.199 --> 01:45:07.840 I had started that finance company financial advisement company for 2016 01:45:07.920 --> 01:45:10.399 a reason. I was sick and tired of the industry, 2017 01:45:10.800 --> 01:45:13.479 and I did it selfishly six years ago for myself, 2018 01:45:14.039 --> 01:45:18.680 and then became officially registered with the Securities Division the 2019 01:45:18.840 --> 01:45:21.239 other day. Officially. We've been working on this for six 2020 01:45:21.359 --> 01:45:25.039 years and we have a private fund and other things. 2021 01:45:25.479 --> 01:45:29.359 One hundred percent of my investable money is here with 2022 01:45:29.600 --> 01:45:32.039 my own company and I would never do anything that 2023 01:45:32.159 --> 01:45:34.720 I don't do personally. And we are opening it up 2024 01:45:34.800 --> 01:45:38.680 for a limited number of clients three all three seven 2025 01:45:39.039 --> 01:45:43.439 seven one help seven seven one four three five seven. 2026 01:45:44.239 --> 01:45:46.800 That's seven seven one help, three oh three seven seven 2027 01:45:46.840 --> 01:45:52.359 one help. The website is w eight WM dot com 2028 01:45:52.479 --> 01:45:56.600 or you can spell it out Waveightwealthmanagement dot com. By 2029 01:45:56.640 --> 01:45:59.760 the way, just as an aside note here in general, 2030 01:46:00.359 --> 01:46:04.000 I just want you to know that probably ninety eight 2031 01:46:04.039 --> 01:46:08.079 percent of every single so called financial advisor you will 2032 01:46:08.119 --> 01:46:10.520 come up against. And I'm not saying they're doing a 2033 01:46:10.560 --> 01:46:12.680 bad job even I'm just saying ninety eight percent of 2034 01:46:12.720 --> 01:46:16.000 them are middleman and do not invest your money. They 2035 01:46:16.199 --> 01:46:18.479 actually just put you with a broker dealer and make 2036 01:46:18.520 --> 01:46:19.039 a spread. 2037 01:46:20.479 --> 01:46:20.840 That's right. 2038 01:46:21.039 --> 01:46:23.880 So if you want that, that's fine. If you're doing well, 2039 01:46:23.920 --> 01:46:26.439 I'm never going to tell you, you know, one thing 2040 01:46:26.600 --> 01:46:29.039 is better than another. There's the only proof is in 2041 01:46:29.119 --> 01:46:32.960 the pudd in. So welcome, and we have Major Mark 2042 01:46:33.039 --> 01:46:36.239 Major on camera with us. If you're joining us by YouTube. 2043 01:46:36.279 --> 01:46:40.239 We also have John and we have some questions about 2044 01:46:40.960 --> 01:46:45.479 health insurance and they want to know something about Medicaid. 2045 01:46:46.000 --> 01:46:48.520 Do you help people if they call you, if they're 2046 01:46:48.560 --> 01:46:51.079 eligible for Medicaid? What do you do for those people? 2047 01:46:51.199 --> 01:46:54.000 In other words, if they're not sure they're eligible and 2048 01:46:54.079 --> 01:46:55.600 you find out they are, what do you do. 2049 01:46:56.319 --> 01:46:58.520 We'll direct them to people who can help them best. 2050 01:46:59.239 --> 01:47:01.920 And so we'll provide the information that they need to 2051 01:47:02.000 --> 01:47:04.119 connect with people who can help them best on the 2052 01:47:04.199 --> 01:47:05.119 medicaid side of things. 2053 01:47:05.199 --> 01:47:08.199 And are they government people okay? Do they do a 2054 01:47:08.239 --> 01:47:11.880 pretty good job, sir? Okay? And Medicaid I just want 2055 01:47:11.920 --> 01:47:15.000 to get this out is predicated not on what you own, 2056 01:47:15.119 --> 01:47:15.880 but what you make. 2057 01:47:16.199 --> 01:47:18.159 Well depends, well, tell me what you're talking. 2058 01:47:18.239 --> 01:47:22.039 There's different And again I'm not a medicaid expert. In 2059 01:47:22.159 --> 01:47:28.079 some well, medicaid expert. But for medical for health care, 2060 01:47:28.399 --> 01:47:31.119 it is based on your modified adjusted gross income, okay. 2061 01:47:32.279 --> 01:47:35.479 But for other things, whether it's cash assistance, food assistants, 2062 01:47:35.520 --> 01:47:38.880 things like that, they do take into account assets. But 2063 01:47:39.039 --> 01:47:41.399 for health care, if you're applying for health first Colorado 2064 01:47:41.520 --> 01:47:44.840 for health care, then it is based simply on your 2065 01:47:44.880 --> 01:47:46.479 modified adjusted gross income. 2066 01:47:47.720 --> 01:47:51.960 Okay, So you're modified adjusted income. Do you know what 2067 01:47:52.039 --> 01:47:53.079 that is? By any chance? 2068 01:47:53.279 --> 01:47:56.079 Well, so I do recommend you talk to a CPA. 2069 01:47:56.079 --> 01:47:57.600 I recommend all my clients if you have a good 2070 01:47:57.640 --> 01:48:00.880 CPA because there are you and get into some weeds 2071 01:48:00.920 --> 01:48:03.399 with that. And I'm not certified to advise someone of 2072 01:48:03.399 --> 01:48:06.720 their taxable income, but uh, it's your adjusted gross. 2073 01:48:06.760 --> 01:48:09.359 But then you add back in other times like non taxable. 2074 01:48:09.039 --> 01:48:12.199 Social Security amount. Do you know the amount, oh. 2075 01:48:12.119 --> 01:48:14.319 For someone to be eligible for Medicaid? Well, it depends 2076 01:48:14.359 --> 01:48:18.119 on your household. If you're if you're a single individual, 2077 01:48:18.239 --> 01:48:20.520 then it's it's a it's around twenty one thousand, it's 2078 01:48:20.880 --> 01:48:23.159 and Health First Colorado has this listed on their website 2079 01:48:23.159 --> 01:48:26.159 as well. What's you you know what those incomes are and. 2080 01:48:26.199 --> 01:48:27.800 It's called health First Colorado. 2081 01:48:27.960 --> 01:48:30.720 Yes, sir, that was rebranded our medicaid was rebranded to that. 2082 01:48:31.560 --> 01:48:35.359 All right? Three oh three seven one three talk seven 2083 01:48:35.399 --> 01:48:38.520 one three A two five five. So what follow ups 2084 01:48:38.600 --> 01:48:43.399 do we have as far as far as uh, Mark, 2085 01:48:43.520 --> 01:48:47.760 you mentioned something that I was curious about. What's that is? 2086 01:48:47.960 --> 01:48:51.119 Is Brockler running for office again? George, I'm pretty sure 2087 01:48:51.199 --> 01:48:54.079 he is. Did you say to me three? 2088 01:48:54.119 --> 01:48:54.479 He was? 2089 01:48:54.840 --> 01:48:56.840 Yeah, we had I think it was Brad O. Bryan 2090 01:48:56.960 --> 01:48:58.840 a few weeks ago who mentioned that there's a newly 2091 01:48:58.920 --> 01:49:02.399 created district and Broccolar is running for office over there 2092 01:49:02.479 --> 01:49:05.920 because he's not term limited out in that new district. 2093 01:49:06.439 --> 01:49:08.920 Yeah, because he was term limited in his last one. 2094 01:49:09.399 --> 01:49:12.399 Mm hm. And so what district is that it's? 2095 01:49:12.479 --> 01:49:16.279 I know it incorporates like Aurora, I think Aurora or 2096 01:49:16.279 --> 01:49:19.319 a Rapo and whatever Elizabeth's in. 2097 01:49:19.600 --> 01:49:22.720 I don't know what Elizabeth it's. I don't think it's Elpaso, 2098 01:49:22.880 --> 01:49:25.000 is it? Maybe? I don't know. The one thing that 2099 01:49:25.199 --> 01:49:30.720 really bothers me is is the downplay that consumer and 2100 01:49:30.840 --> 01:49:35.600 white collar crime gets. It's just outrageous to me how 2101 01:49:35.680 --> 01:49:40.479 many contractors are not prosecuted. I mean, I mean truly, 2102 01:49:40.720 --> 01:49:44.840 I'm talking about people just steal money. I mean, I mean, 2103 01:49:45.239 --> 01:49:49.840 on what planet is that okay to steal money? You 2104 01:49:50.039 --> 01:49:53.479 can't do it. It's just wrong. And I'm gonna I'm 2105 01:49:53.520 --> 01:49:55.479 gonna bring this up and bring it up and bring 2106 01:49:55.560 --> 01:49:58.800 it up. We have so many of them, so many 2107 01:49:58.880 --> 01:50:03.239 of them. The number one it just this justin Garcia 2108 01:50:03.479 --> 01:50:08.239 just takes the cake for sixty two thousand dollars outright theft, 2109 01:50:08.640 --> 01:50:13.319 outright theft. Now have we tried calling him recently, by 2110 01:50:13.319 --> 01:50:19.279 the way, because I think people this guy, he is 2111 01:50:19.399 --> 01:50:24.279 such a thief and he openly is stealing and you know. 2112 01:50:24.760 --> 01:50:27.079 Here's the thing. Here, here's his number. Let me give 2113 01:50:27.159 --> 01:50:28.760 us number out Do we have it? 2114 01:50:28.880 --> 01:50:29.079 Yeah? 2115 01:50:29.880 --> 01:50:33.960 Here's wait a minute, where is oh hey real seven 2116 01:50:34.000 --> 01:50:37.239 one hold on seven to one nine five seven one 2117 01:50:38.039 --> 01:50:42.399 zero four three seven justin Garcia seven to one nine 2118 01:50:43.439 --> 01:50:48.479 five seven one zero four to three seven. He also 2119 01:50:48.560 --> 01:50:52.640 has a company now called U What is that one 2120 01:50:52.720 --> 01:50:55.439 that that architect plays in? Eight innate? 2121 01:50:55.680 --> 01:50:58.720 So I'm on their website now. They removed him from 2122 01:50:58.800 --> 01:51:03.359 their website. He wasted as owner without a photograph and 2123 01:51:03.600 --> 01:51:04.479 the copy. 2124 01:51:04.319 --> 01:51:08.479 Was in Greek, so he was the only one there Greek. 2125 01:51:08.880 --> 01:51:12.000 Yeah, you know it's web designers use Greek copy as 2126 01:51:12.039 --> 01:51:17.239 a placeholder for Yeah. So everybody Innate has their photograph 2127 01:51:17.399 --> 01:51:22.039 and the few paragraphs about themselves, but he had a 2128 01:51:22.159 --> 01:51:25.159 blank photograph. He had Greek and next to the Greek 2129 01:51:25.199 --> 01:51:29.000 had said owner. And now I'm on their website right 2130 01:51:29.079 --> 01:51:32.319 now he's gone from that website where he had himself removed. 2131 01:51:32.479 --> 01:51:33.680 So Mark, what were you going to say? 2132 01:51:34.560 --> 01:51:38.479 Brockler is actually going to be Douglas Elbert in Lincoln 2133 01:51:39.039 --> 01:51:42.800 County and it's called the twenty fifth Judicial District. 2134 01:51:42.920 --> 01:51:45.920 They broke up. They used to be Tri County, right 2135 01:51:46.079 --> 01:51:47.800 or no, No, was it called Tri County. 2136 01:51:47.880 --> 01:51:49.560 No, it's the health department that broke up. 2137 01:51:49.640 --> 01:51:51.439 Yeah, that's right to tell me. They were in the 2138 01:51:51.520 --> 01:51:55.359 eighteenth and now they created a new one. And because 2139 01:51:55.399 --> 01:51:59.239 the rap hole was excuse me, da Albert was thrown 2140 01:51:59.279 --> 01:52:01.159 in with a rap hole one time, right, Douglas A. 2141 01:52:01.239 --> 01:52:02.039 Rappo and Albert? 2142 01:52:02.199 --> 01:52:02.680 Was it or not? 2143 01:52:02.840 --> 01:52:02.880 No? 2144 01:52:03.000 --> 01:52:03.039 No? 2145 01:52:03.159 --> 01:52:03.199 No? 2146 01:52:03.600 --> 01:52:03.640 What? 2147 01:52:04.279 --> 01:52:04.479 Well? 2148 01:52:04.520 --> 01:52:06.720 I don't know, but now it's going to be Douglas 2149 01:52:06.800 --> 01:52:14.359 Albert and Lincoln. Douglas Albert and Lincoln. Okay, Now we 2150 01:52:14.560 --> 01:52:17.000 all had questions and we thought we answered it on there, 2151 01:52:17.039 --> 01:52:18.840 but we didn't. We were talking about it off the air. 2152 01:52:20.279 --> 01:52:23.840 Somebody asked about the penalty on health insurance. There is 2153 01:52:23.920 --> 01:52:28.199 no penalty anymore. But that's a long and sordid detail. 2154 01:52:28.399 --> 01:52:32.760 So technically there is a penalty, but it's zero because 2155 01:52:32.800 --> 01:52:38.520 the penalty was challenged by law, but the Supreme Court 2156 01:52:39.239 --> 01:52:41.760 did not hear the case. Is that right, correct? 2157 01:52:41.840 --> 01:52:43.600 Yeah? Supreme Court just tossed it out. 2158 01:52:44.279 --> 01:52:46.800 And so with why they said no standing. 2159 01:52:48.039 --> 01:52:51.079 Standing brought it? I don't remember. 2160 01:52:51.199 --> 01:52:53.359 Okay, I think somebody in California maybe, I'm not sure. 2161 01:52:55.239 --> 01:52:59.880 So so during the prior administration, the Trump tax cut, 2162 01:53:00.079 --> 01:53:02.840 they just reduce the penalty to zero dollars, and so 2163 01:53:02.960 --> 01:53:05.000 that's at least here through twenty twenty five. 2164 01:53:06.279 --> 01:53:11.680 Okay, zero dollars. So instead of because it wasn't challenged, 2165 01:53:12.239 --> 01:53:16.720 what they did was they reduced it to zero. When 2166 01:53:16.760 --> 01:53:20.880 that expires in twenty twenty five, what expires the tax 2167 01:53:21.000 --> 01:53:22.119 cuts do well? 2168 01:53:22.159 --> 01:53:26.239 The Trump tax cuts are twenty five, correct, so it's. 2169 01:53:26.079 --> 01:53:29.239 Part of that will happen. What will happen then to 2170 01:53:29.520 --> 01:53:32.680 the penalty will go back to them? 2171 01:53:32.960 --> 01:53:34.680 I can't tell. I mean, I guess we'll see what 2172 01:53:34.920 --> 01:53:36.199 Congress does this next year. 2173 01:53:37.600 --> 01:53:40.199 All right, three oh three seven one three talks seven 2174 01:53:40.279 --> 01:53:43.039 one three eight two five five. So there is a 2175 01:53:43.399 --> 01:53:47.640 penalty of zero. It could go back when tax cuts expire. 2176 01:53:47.680 --> 01:53:49.600 Of course, a lot has to do with what happens 2177 01:53:49.960 --> 01:53:55.199 in the presidential election, and so god, that's anyone's guess 2178 01:53:55.239 --> 01:53:59.159 at this point. Three oh three seven one three talk 2179 01:53:59.279 --> 01:54:03.720 seven one three eight two five five. Okay, now listen 2180 01:54:03.800 --> 01:54:09.119 to this. We were thrilled. I was just telling my 2181 01:54:09.279 --> 01:54:13.399 hobby about the Tom Martino list and cannot begin to 2182 01:54:13.520 --> 01:54:18.039 explain how delighted I was to find you streaming on YouTube. 2183 01:54:18.439 --> 01:54:22.720 My mom would have been so excited, lol, Okay, by 2184 01:54:22.760 --> 01:54:34.680 the way, so it says here Albert County, Douglas County. No, no, 2185 01:54:34.880 --> 01:54:37.920 it's not Elbert and Douglas the twenty fifth it that's 2186 01:54:38.039 --> 01:54:39.840 very easy to look up. But anyway, let me go 2187 01:54:39.920 --> 01:54:42.279 back to the phone squake, Berta, what's going on with 2188 01:54:42.399 --> 01:54:44.319 American Airlines? Go ahead, Berta. 2189 01:54:46.159 --> 01:54:50.520 I talked to you. I had trip credits that they expired, 2190 01:54:50.640 --> 01:54:53.439 and I wanted to know if you were your customers 2191 01:54:53.680 --> 01:54:57.279 or your clients. They said, then he had luck with 2192 01:54:57.439 --> 01:54:58.640 getting them reissued. 2193 01:55:00.079 --> 01:55:06.159 You know what if okay, there is a deadline on those, but. 2194 01:55:07.159 --> 01:55:07.680 We have not. 2195 01:55:08.439 --> 01:55:11.560 I think we had one case where it was a 2196 01:55:11.800 --> 01:55:15.960 voucher that expired. Was this a voucher or just a 2197 01:55:16.079 --> 01:55:17.840 trip credit? How would did you get this. 2198 01:55:18.039 --> 01:55:23.000 Credit because we had to cancel a flight? 2199 01:55:23.279 --> 01:55:26.119 No? No, I mean how was it conveyed to you 2200 01:55:26.600 --> 01:55:27.079 the credit? 2201 01:55:27.760 --> 01:55:30.880 I'm thinking it might have been a voucher. I will 2202 01:55:30.960 --> 01:55:33.840 have you see, I didn't know there was a difference 2203 01:55:33.920 --> 01:55:35.520 with vouchers and trip credits. 2204 01:55:35.840 --> 01:55:38.439 Well, some people put if you have an online account, 2205 01:55:39.079 --> 01:55:43.039 you have trip credits, and sometimes they can be given 2206 01:55:43.119 --> 01:55:46.880 to your account. Other times people get an actual voucher. 2207 01:55:47.159 --> 01:55:48.159 It's email to them. 2208 01:55:49.439 --> 01:55:52.319 Well, this is there was a number of a voucher 2209 01:55:52.479 --> 01:55:56.399 emailed to us, not the physical one, and that voucher, 2210 01:55:56.520 --> 01:55:58.159 that number won't work anymore. 2211 01:55:58.199 --> 01:55:58.920 It's expired. 2212 01:55:59.039 --> 01:56:01.680 So that's what Okay, that is a voucher. That is 2213 01:56:01.760 --> 01:56:04.560 a voucher. So here's what I want to ask you. 2214 01:56:06.159 --> 01:56:10.079 Did you call them and explain to them, like when 2215 01:56:10.119 --> 01:56:12.640 it was the twenty seventh or when you were on 2216 01:56:12.720 --> 01:56:15.359 the phone with them and it was about to expire? 2217 01:56:15.880 --> 01:56:17.000 What did you say to them? 2218 01:56:18.600 --> 01:56:20.920 I told him I had vouchers, that we were getting 2219 01:56:20.960 --> 01:56:23.199 ready to plan the trip and we were going through that. 2220 01:56:23.439 --> 01:56:24.880 And what did they say. 2221 01:56:26.239 --> 01:56:27.079 That At that time? 2222 01:56:27.199 --> 01:56:29.720 It was fine. They didn't say, hey, you got to 2223 01:56:29.760 --> 01:56:31.760 make the reservation today, But did. 2224 01:56:31.680 --> 01:56:34.600 You know that it expired in two or three days? 2225 01:56:34.640 --> 01:56:38.039 When you were on the phone with them, I thought. 2226 01:56:37.880 --> 01:56:40.880 It expired on the thirty first of May, and there 2227 01:56:40.960 --> 01:56:42.840 was a glitch in the reservation. I was going to 2228 01:56:42.920 --> 01:56:45.119 check with my husband and call back. When I did 2229 01:56:45.239 --> 01:56:47.560 call back, they said, oh no, it expired on the 2230 01:56:47.640 --> 01:56:49.479 twenty seventh, not the thirty first. 2231 01:56:50.000 --> 01:56:53.840 What does your voucher itself say as far as expiration. 2232 01:56:54.479 --> 01:56:55.920 It does say the twenty seventh. 2233 01:56:56.760 --> 01:57:00.159 Oh crap? How much credit was it? 2234 01:57:02.359 --> 01:57:05.279 It came to about one thousand dollars for holy crap. 2235 01:57:06.600 --> 01:57:11.039 Yeah, and they won't reconsider or you don't know. 2236 01:57:12.439 --> 01:57:15.720 Well, I can went online to their customer service, which 2237 01:57:16.039 --> 01:57:17.920 I was told that's the only way you can talk 2238 01:57:18.000 --> 01:57:20.760 to them is go online, and I just got an 2239 01:57:20.760 --> 01:57:24.199 answer right away. It sounded like the standard answer. No, 2240 01:57:24.279 --> 01:57:27.039 I'm sorry for your inconvenience that we cannot. 2241 01:57:26.800 --> 01:57:27.800 Re issue them. 2242 01:57:29.159 --> 01:57:31.359 That's what I'm telling you to see if if there 2243 01:57:31.840 --> 01:57:32.880 is another way. 2244 01:57:33.359 --> 01:57:36.640 Well, well, okay, the only other way there might be 2245 01:57:37.000 --> 01:57:39.760 is if I give it to someone. And I'm thinking 2246 01:57:39.880 --> 01:57:43.359 maybe I'll give it to Deputy Dollar to call and 2247 01:57:43.640 --> 01:57:46.399 just see if they'll do it. We've had it done 2248 01:57:46.479 --> 01:57:51.960 before in special circumstances. KITCHENA, let's see if Dollar can 2249 01:57:52.359 --> 01:57:54.600 can make a call on this. Let's just see if 2250 01:57:54.640 --> 01:57:56.800 we can do it. Hold on, Bertha, She'll give that 2251 01:57:56.920 --> 01:58:01.079 information to Deputy Dollar. Phil, what a your comment? Go ahead, 2252 01:58:01.119 --> 01:58:08.600 film Phil? Are you there? Yeah? What's your comment? 2253 01:58:09.159 --> 01:58:09.319 Yes? 2254 01:58:10.079 --> 01:58:13.800 You know Jerry Polis and Mike Johnson and Bat Kaufman. 2255 01:58:14.880 --> 01:58:18.000 I heard about a month ago or so where Jerry 2256 01:58:18.079 --> 01:58:23.199 Polis said that Demmer is not a sanctionary city and 2257 01:58:23.399 --> 01:58:27.359 Kaufin says that it's not a sanctionary city. 2258 01:58:27.640 --> 01:58:29.279 Well, first of all, is Aurora. 2259 01:58:29.439 --> 01:58:31.840 He's not dead, huh. 2260 01:58:32.800 --> 01:58:35.680 Kaufman is mayor of Aurora. He would have nothing to say. 2261 01:58:35.520 --> 01:58:38.199 About I understand that he said that it's not a 2262 01:58:38.319 --> 01:58:43.840 sanctionary city neither. But the reason why they have all 2263 01:58:43.920 --> 01:58:47.800 these gangs there and all these migrants are coming in 2264 01:58:48.520 --> 01:58:51.560 is because Jerry Polis, Mike Johnson. 2265 01:58:53.479 --> 01:58:55.760 And co. 2266 01:58:56.279 --> 01:58:59.960 Of Aurora. They're afraid. They're scared. 2267 01:59:01.560 --> 01:59:04.479 Okay, Phil, I doubt that. I doubt her. 2268 01:59:04.600 --> 01:59:06.399 I believe that's the truth. 2269 01:59:07.319 --> 01:59:09.720 Okay, Thank you, Phil, No, I do appreciate you calling 2270 01:59:09.760 --> 01:59:11.880 in three oh three seven one three A two five five. 2271 01:59:20.479 --> 01:59:23.760 Go with a sure thing Denver's best roofer Excel Roofing 2272 01:59:23.840 --> 01:59:26.479 dot com. You don't pay a cent until you're content. 2273 01:59:28.119 --> 01:59:33.039 Leave time for an insurance checkup free, no obligation. In comparison, 2274 01:59:33.199 --> 01:59:36.720 call Compass Insurance paying too much your coverage at dozens 2275 01:59:36.760 --> 01:59:39.479 of insurance companies find out now three oh three seven 2276 01:59:39.600 --> 01:59:42.600 seven one help. You'll think you're his only customer when 2277 01:59:42.640 --> 01:59:44.880 you choose Frank Durand the real estate Man dot com 2278 01:59:45.119 --> 01:59:48.239 to list your home with Remax Alliance three oh three 2279 01:59:48.319 --> 01:59:54.800 nine two zero sixteen twenty two. Hello Tom Arnt you 2280 01:59:54.840 --> 01:59:59.119 know here, let's talk to Frank. An issue with Mountain 2281 01:59:59.239 --> 02:00:02.159 High dis Have you ever heard of them at mount 2282 02:00:02.239 --> 02:00:03.159 Mountain High Disposal? 2283 02:00:03.399 --> 02:00:04.640 No, but I just looked them up. 2284 02:00:04.920 --> 02:00:08.279 Okay, anyway, because D's in the recycling business. Anyway, Frank, 2285 02:00:08.319 --> 02:00:11.000 what's going on? Oh? 2286 02:00:11.880 --> 02:00:12.359 Can you hear me? 2287 02:00:12.840 --> 02:00:13.000 Yes? 2288 02:00:13.119 --> 02:00:14.399 I Ken, Frank, what's going on? 2289 02:00:14.560 --> 02:00:14.720 Man? 2290 02:00:16.319 --> 02:00:20.560 Mountain High dropped off trash and recycle cans. I came home. 2291 02:00:20.640 --> 02:00:23.319 I think it was Friday, a couple. It's been about 2292 02:00:23.359 --> 02:00:23.840 three weeks. 2293 02:00:25.399 --> 02:00:28.960 I know your trash company helped me out here. Frank. 2294 02:00:29.000 --> 02:00:30.239 Are they your trash company? 2295 02:00:31.479 --> 02:00:31.520 No? 2296 02:00:31.760 --> 02:00:35.159 I already have a good relationship with another trash company. First. 2297 02:00:35.239 --> 02:00:38.920 Oh so they just maybe they dropped them off by mistake. 2298 02:00:40.199 --> 02:00:40.880 Oh, I thought so. 2299 02:00:41.199 --> 02:00:43.720 I called him. Uh it was on a Friday. I 2300 02:00:43.760 --> 02:00:45.399 called him the next week and they said they would 2301 02:00:45.439 --> 02:00:47.720 make an appointment to come get the cans, but they 2302 02:00:47.760 --> 02:00:52.159 didn't say when. That Thursday the trash truck stopped and 2303 02:00:52.239 --> 02:00:54.560 they checked the cans, open them up and leave them 2304 02:00:54.600 --> 02:00:55.439 there and take off. 2305 02:00:56.640 --> 02:00:58.880 You mean you mean Mountain High left him there? 2306 02:00:59.520 --> 02:00:59.560 So? 2307 02:01:00.119 --> 02:01:03.359 So what are they just out on the curb yep. 2308 02:01:03.520 --> 02:01:03.840 I don't know. 2309 02:01:04.239 --> 02:01:06.920 Maybe they bought that company you used to use. 2310 02:01:08.119 --> 02:01:11.199 No, sir, that company is still picking up my trash. 2311 02:01:11.920 --> 02:01:12.319 That's weird. 2312 02:01:12.800 --> 02:01:12.960 Can. 2313 02:01:14.119 --> 02:01:17.039 Yeah, and I don't know what it could I figured 2314 02:01:17.079 --> 02:01:19.039 it could be a mistake. I called him again the 2315 02:01:19.119 --> 02:01:21.720 next week. They wanted to know my name as well 2316 02:01:21.760 --> 02:01:24.840 as my location. I didn't want to tell them my name. Well, 2317 02:01:24.880 --> 02:01:27.239 why they don't know my name? But they provided service 2318 02:01:27.319 --> 02:01:27.560 for me? 2319 02:01:28.560 --> 02:01:31.640 But they can't they Are you afraid they're gonna try 2320 02:01:31.720 --> 02:01:33.279 to slam you into service? 2321 02:01:34.439 --> 02:01:36.479 I don't know, but I don't know if they even can. 2322 02:01:36.600 --> 02:01:39.640 But I've seen some really looked at their website. They 2323 02:01:39.720 --> 02:01:40.880 got bad reviews. 2324 02:01:41.640 --> 02:01:45.199 This is called Mountain on High Disposal, right. 2325 02:01:46.520 --> 02:01:48.840 And they're out of Evans. Their office, I guess, is 2326 02:01:48.880 --> 02:01:49.479 in Evans. 2327 02:01:50.000 --> 02:01:52.439 Why don't you tell your other trash companies to throw 2328 02:01:52.560 --> 02:01:53.840 their cans in the trash? 2329 02:01:55.319 --> 02:01:57.439 Yeah? Why do you? Why do you care? Are they 2330 02:01:57.520 --> 02:02:00.640 really attractive new big cans or are they? What do 2331 02:02:00.760 --> 02:02:01.319 they look like? 2332 02:02:02.800 --> 02:02:05.920 Well, they're brand new. Their one's got a green top, 2333 02:02:06.000 --> 02:02:11.039 one's got a black top, one's the recycle and trash, right, Yeah, 2334 02:02:11.199 --> 02:02:15.079 but I'm looking at I never requested this. I don't 2335 02:02:15.119 --> 02:02:18.039 want them to. I don't know how they could. If 2336 02:02:18.079 --> 02:02:20.960 they if they assume me or something, I could provide 2337 02:02:21.039 --> 02:02:24.520 whatever evidence I have, but it's all hearsays. On my part, 2338 02:02:24.840 --> 02:02:27.319 I don't have any proof that I did not call them. 2339 02:02:27.840 --> 02:02:29.119 Well, I don't think you'd need that. 2340 02:02:29.359 --> 02:02:31.640 If it really came down to that, I'd charge him 2341 02:02:31.680 --> 02:02:34.600 for storage to offset whatever they want. 2342 02:02:35.439 --> 02:02:37.920 Well, first of all, they can't charge you for dropping 2343 02:02:38.039 --> 02:02:39.560 something off and never using it. 2344 02:02:39.760 --> 02:02:41.840 No, no, no, he's saying, charge him if he has 2345 02:02:41.920 --> 02:02:44.000 his other's trash company, throw him out. 2346 02:02:46.039 --> 02:02:48.279 Yeah, I don't. I don't want any trouble. But you 2347 02:02:48.359 --> 02:02:51.279 know I have told him twice now that their cans 2348 02:02:51.319 --> 02:02:52.560 are here, I didn't request them. 2349 02:02:52.760 --> 02:02:57.439 And the response, yeah, what did they say, keep them 2350 02:02:57.560 --> 02:02:57.680 or what? 2351 02:02:58.960 --> 02:03:00.600 Well, first they wanted to know my name. 2352 02:03:01.680 --> 02:03:03.720 I get that. I get that part. And for some 2353 02:03:03.880 --> 02:03:05.960 reason you didn't think you should give your name. I 2354 02:03:06.039 --> 02:03:08.760 get it. Yeah, so I would have given my name 2355 02:03:08.840 --> 02:03:10.920 and said here's where I live, Come get your cans 2356 02:03:11.000 --> 02:03:11.880 or I'm throwing them out. 2357 02:03:13.239 --> 02:03:16.439 Well, their response was something like, we'll see what we 2358 02:03:16.520 --> 02:03:18.000 can do. And that's all I got. 2359 02:03:18.199 --> 02:03:20.520 And you know what, I'd forget about it. I'd forget 2360 02:03:20.560 --> 02:03:23.560 about it. Do they have logos on them on those cans. 2361 02:03:24.680 --> 02:03:26.960 I got their phone number from their logo on the side. 2362 02:03:29.479 --> 02:03:30.680 I just I don't know what to tell you. I 2363 02:03:30.680 --> 02:03:33.119 wouldn't let it bother me. I get rid of them. 2364 02:03:34.279 --> 02:03:34.800 I would too. 2365 02:03:35.000 --> 02:03:37.319 I don't know how I might have to pay for 2366 02:03:37.399 --> 02:03:38.199 somebody to just. 2367 02:03:38.600 --> 02:03:41.159 Have your trash company. Now, throw them in the back. 2368 02:03:41.199 --> 02:03:43.119 They're plastic, they'll crush right up. 2369 02:03:44.680 --> 02:03:45.880 Okay, maybe I'll call. 2370 02:03:45.840 --> 02:03:48.760 And see you know, you have no obligation. You have 2371 02:03:48.880 --> 02:03:51.720 no obligation to take care of them. I'm I might 2372 02:03:51.800 --> 02:03:54.239 even consider late at night just wheeling them down the 2373 02:03:54.319 --> 02:03:55.560 street and then the. 2374 02:03:57.399 --> 02:03:59.439 I don't want to make it someone else's problem. 2375 02:03:59.560 --> 02:04:01.000 I did no, No, I don't mean in front of 2376 02:04:01.079 --> 02:04:06.600 someone's house. I just mean down the street. But anyway, 2377 02:04:06.600 --> 02:04:08.680 you gotta do what you gotta do. Man, I don't 2378 02:04:08.720 --> 02:04:10.359 know what to tell you. If if they don't give 2379 02:04:10.399 --> 02:04:12.399 a damn, then I wouldn't give a damn. 2380 02:04:13.560 --> 02:04:16.119 Okay, send them a certified letter if you want to 2381 02:04:16.159 --> 02:04:19.800 protect yourself, telling him that they delivered the cans to 2382 02:04:19.840 --> 02:04:21.479 your address. You didn't ask them for me, you didn't 2383 02:04:21.479 --> 02:04:23.199 contract for the service, and then you're done. 2384 02:04:23.319 --> 02:04:25.199 Yeah, and just say the hell with you, I might 2385 02:04:25.279 --> 02:04:25.520 do that. 2386 02:04:26.039 --> 02:04:28.640 I think I think a neighbor is bothered by them 2387 02:04:28.640 --> 02:04:31.000 because somebody put them up on the sidewalk the other 2388 02:04:31.159 --> 02:04:31.680 night and the. 2389 02:04:32.119 --> 02:04:34.199 Wait, wait a minute, are they delivering more than just 2390 02:04:34.279 --> 02:04:38.399 your house? No, he's saying the neighbor moved his because 2391 02:04:38.399 --> 02:04:39.640 they're an eyesore. 2392 02:04:40.479 --> 02:04:43.159 Right, And they go down the street and come back. 2393 02:04:43.319 --> 02:04:45.399 So I don't know if there's any other customers. 2394 02:04:45.439 --> 02:04:49.399 Okay, I got it. Listen, man, I would just not 2395 02:04:49.560 --> 02:04:51.840 worry too much about it at this point. I'm serious. 2396 02:04:51.880 --> 02:04:54.039 I don't know what else to tell you. I'm gonna 2397 02:04:54.119 --> 02:04:56.000 talk to Pamela on the way back, and then we're 2398 02:04:56.039 --> 02:04:59.119 going to talk to Rob about cam Solar. Cam Solar 2399 02:04:59.479 --> 02:05:02.720 they're pretty good company. At one time we did business 2400 02:05:02.760 --> 02:05:04.840 with them where they were on a referless years ago. 2401 02:05:05.800 --> 02:05:08.159 We'll see what's going on with that. I'm Tom Martinez 2402 02:05:08.199 --> 02:05:10.720 three O three seven one three talk three oh three 2403 02:05:10.800 --> 02:05:13.880 seven one three eight two five five. By the way, 2404 02:05:14.119 --> 02:05:18.000 if you are looking for financial advisors who put their 2405 02:05:18.039 --> 02:05:21.920 money where their mouth is and actually invest your money 2406 02:05:21.960 --> 02:05:26.239 along with their own, that's only one wave eight Weealthmanagement 2407 02:05:26.520 --> 02:05:29.520 dot Com three oh three seven seven to one help 2408 02:05:29.640 --> 02:05:31.960 and here's a disclaimer. I am the owner, so I 2409 02:05:32.079 --> 02:05:34.199 need to tell you that, and I am I stand 2410 02:05:34.279 --> 02:05:37.600 to profit from this company, but of course we hope 2411 02:05:37.640 --> 02:05:44.039 everyone will. That's a wave eight Wealthmanagement dot Com. Go 2412 02:05:44.239 --> 02:05:47.800 with a sure thing Denver's best roofer Excel Roofing dot Com. 2413 02:05:48.000 --> 02:05:53.720 You don't pay a cent until you're content. Time for 2414 02:05:53.760 --> 02:05:57.479 an insurance check up free no obligation comparison call Compass 2415 02:05:57.560 --> 02:06:01.279 Insurance paying too much your coverage at of insurance companies 2416 02:06:01.359 --> 02:06:03.920 find out now three all three seven seven one help. 2417 02:06:04.119 --> 02:06:06.760 You'll think you're his only customer when you choose Frank 2418 02:06:06.840 --> 02:06:09.239 durand the real estate Man dot com to list your 2419 02:06:09.319 --> 02:06:12.439 home with Remax Alliance three all three nine two zero 2420 02:06:12.560 --> 02:06:16.920 sixteen twenty two. I'm Tom Martino. I want to talk 2421 02:06:17.000 --> 02:06:20.680 to Justin who called in? He says he's Justin with 2422 02:06:20.840 --> 02:06:28.640 Patriot Construction. Okay, is this Justin Garcia? Hello? 2423 02:06:28.920 --> 02:06:29.119 Hello? 2424 02:06:29.960 --> 02:06:31.399 Is this Justin Garcia? 2425 02:06:35.119 --> 02:06:39.039 My name is Justin. I'm gonna are you talking with 2426 02:06:39.079 --> 02:06:39.880 you guys? Briefly? 2427 02:06:40.439 --> 02:06:43.079 Yeah, this is me. Are you the one that dealt 2428 02:06:43.079 --> 02:06:45.560 with Carol? The thing we've been talking about? 2429 02:06:48.279 --> 02:06:52.159 You guys are slandering me right? Starting my personal information 2430 02:06:52.279 --> 02:06:53.640 out there so people can call. 2431 02:06:54.079 --> 02:06:56.720 Is your name Justin Garcia? I don't know who you are. 2432 02:06:56.920 --> 02:06:59.880 I need to know who you are? Is it Justin Garcia? 2433 02:07:00.479 --> 02:07:01.079 You know I am? 2434 02:07:01.760 --> 02:07:01.960 Dude? 2435 02:07:02.000 --> 02:07:02.520 You know who I am. 2436 02:07:02.560 --> 02:07:06.279 You're a scumbag liar and a thief. That's who you are. 2437 02:07:06.479 --> 02:07:08.560 A scum bag, liar and a thief. 2438 02:07:08.800 --> 02:07:09.000 Good. 2439 02:07:09.560 --> 02:07:13.640 Yeah, guess what, Justin? I am calling you a scumbag 2440 02:07:13.880 --> 02:07:18.279 liar and a cheat. That's right. My name's Tom Martino 2441 02:07:18.520 --> 02:07:22.039 and I'm calling you out for being a scumbag and 2442 02:07:22.199 --> 02:07:25.399 a liar and a cheat. And that's my opinion, and 2443 02:07:25.479 --> 02:07:27.640 I'm free to have it. And I'll tell you why 2444 02:07:28.000 --> 02:07:31.199 you took sixty two thousand dollars and did nothing. 2445 02:07:34.479 --> 02:07:35.199 Can I talk now? 2446 02:07:35.720 --> 02:07:35.960 Yep? 2447 02:07:38.880 --> 02:07:43.439 Number one. The proper introduction is it's nice to meet 2448 02:07:43.479 --> 02:07:44.079 you over the radio. 2449 02:07:44.079 --> 02:07:46.560 I've never Beenah, shut up, man, it's not nice to 2450 02:07:46.640 --> 02:07:48.600 meet you, Justin because you're a scumbag. 2451 02:07:49.039 --> 02:07:51.079 That's how you get your But I mean, do you 2452 02:07:51.159 --> 02:07:52.359 get like Erry Springer? 2453 02:07:52.640 --> 02:07:54.000 Just where's the money, dude? 2454 02:07:54.079 --> 02:07:54.399 That's it? 2455 02:07:54.560 --> 02:07:55.399 Where's the money? 2456 02:07:55.880 --> 02:07:56.079 Justin? 2457 02:07:56.119 --> 02:07:58.760 Can you give the lady her sixty two thousand dollars back? 2458 02:07:58.840 --> 02:07:59.119 Please? 2459 02:08:01.439 --> 02:08:01.960 Wait a minute? 2460 02:08:02.000 --> 02:08:04.000 Wow, Wait a minute hold on, hold on, No, he 2461 02:08:04.159 --> 02:08:06.119 does have a point. Wait a minute, he does have 2462 02:08:06.239 --> 02:08:09.479 a point, Justin, You're absolutely right. No, No, I'm serious, 2463 02:08:09.720 --> 02:08:11.680 you do have a point. I'm gonna let you talk, Mark, 2464 02:08:11.720 --> 02:08:13.800 Let's let him talk. Go ahead, Justin, you do have 2465 02:08:13.880 --> 02:08:14.680 a point. Go ahead. 2466 02:08:17.039 --> 02:08:18.720 Simple, that's all I want to say. I have a 2467 02:08:18.800 --> 02:08:23.039 signed contract with set customer. The said customer is very 2468 02:08:23.159 --> 02:08:26.319 welcome to take me to the litigation so we can 2469 02:08:26.359 --> 02:08:29.640 go before judge or whatever have you, magistrates, and we 2470 02:08:29.720 --> 02:08:31.560 can tell our sides of the swords. 2471 02:08:32.600 --> 02:08:33.760 What is your side of the story? 2472 02:08:33.760 --> 02:08:36.680 Though, Hey, Justin, may I ask you a question? I'm 2473 02:08:36.840 --> 02:08:40.119 under the Contractor's Trust Act. All money for a job 2474 02:08:40.239 --> 02:08:42.920 is supposed to be put in trust for that job. 2475 02:08:46.880 --> 02:08:49.279 I'll let my lawyer deal with any of those questions. 2476 02:08:49.359 --> 02:08:52.199 May I May I talk? Okay? Good, I agree your 2477 02:08:52.279 --> 02:08:54.159 lawyer should May I talk to your attorney? 2478 02:08:56.520 --> 02:08:58.319 Why would I allow a radio host to talk to 2479 02:08:58.359 --> 02:08:58.880 you my You. 2480 02:08:58.960 --> 02:09:01.319 Know he doesn't have one because you don't have an 2481 02:09:01.319 --> 02:09:06.119 attorney or a lion thief. That's why if you had 2482 02:09:06.159 --> 02:09:07.920 an attorney, you would love for me to talk to 2483 02:09:07.960 --> 02:09:11.000 your attorney so your attorney could set me straight. Because 2484 02:09:11.079 --> 02:09:14.439 if your attorney gives me a legal reason to believe 2485 02:09:14.520 --> 02:09:17.199 that you should keep that sixty two thousand dollars. I 2486 02:09:17.279 --> 02:09:18.520 will sing your praises. 2487 02:09:21.399 --> 02:09:21.600 Well. 2488 02:09:21.760 --> 02:09:25.399 First of all, I'm an adult, so I get decide 2489 02:09:25.840 --> 02:09:27.279 what I do with my attorney, what. 2490 02:09:27.279 --> 02:09:29.840 I don't do, and justin let me explain something to you. 2491 02:09:30.199 --> 02:09:32.680 You're not the last person who said why should I 2492 02:09:32.800 --> 02:09:34.760 talk to a talk show host. I'm going to tell 2493 02:09:34.760 --> 02:09:37.760 you why because you're I'm never going away for you, bro, 2494 02:09:38.239 --> 02:09:41.359 You're going and if I do Markle takeover, you will 2495 02:09:41.479 --> 02:09:44.119 be destroyed for this because you are a liar and 2496 02:09:44.199 --> 02:09:47.119 a thief. You are a liar and a thief. 2497 02:09:47.800 --> 02:09:51.319 Oh dude, dude, is this what you do? You have 2498 02:09:51.520 --> 02:09:54.000 people badger me call my phone to get on your show. 2499 02:09:54.079 --> 02:09:56.800 I get on your show, and then as soon as 2500 02:09:56.840 --> 02:09:59.039 I get on your show, you're talking. 2501 02:09:59.640 --> 02:10:01.159 Okay, you talk. 2502 02:10:01.359 --> 02:10:04.359 I let you say, call the attorney. Then you don't 2503 02:10:04.399 --> 02:10:07.399 give any information on the attorney. I let you talk. 2504 02:10:07.520 --> 02:10:10.119 And you said, according to a contract, you're happy to 2505 02:10:10.239 --> 02:10:12.560 let her take you to court and let a judge 2506 02:10:12.600 --> 02:10:16.079 decide now. And then I said, are you familiar with 2507 02:10:16.159 --> 02:10:19.520 the Contractor's Trust Act? And you said, let my attorney 2508 02:10:19.560 --> 02:10:22.199 answer that, And I said, can I talk to your attorney? 2509 02:10:22.399 --> 02:10:25.279 And you said, why should I care to have a 2510 02:10:25.359 --> 02:10:28.199 talk show host talked to my attorney? So Justin, don't 2511 02:10:28.319 --> 02:10:31.119 say that you're not getting to talk. You're just talking 2512 02:10:31.279 --> 02:10:32.800 diarrhea out of your mouth. 2513 02:10:35.399 --> 02:10:39.439 No exactly, I said, why why wouldn't my attorney address 2514 02:10:39.479 --> 02:10:41.119 you if we have to go to court? Of course 2515 02:10:41.239 --> 02:10:42.560 my attorney will address it at that. 2516 02:10:42.800 --> 02:10:45.680 You know, this woman doesn't have money to take this money. 2517 02:10:45.920 --> 02:10:48.600 This woman doesn't have money to take you to court. 2518 02:10:48.960 --> 02:10:50.760 So you know what I want you to do. I 2519 02:10:50.880 --> 02:10:53.039 want you to take me to court, Justin, so I 2520 02:10:53.159 --> 02:10:58.560 can tear you up and spit you out. Guess what, Justin, 2521 02:10:59.159 --> 02:11:02.720 I have the money to fight you. So come after me, 2522 02:11:02.840 --> 02:11:08.279 you dirty, rotten piece of crap. Come after me because 2523 02:11:08.479 --> 02:11:11.439 I will show through discovery what a thief. 2524 02:11:11.159 --> 02:11:14.239 I'm after you. Why would I come after you. 2525 02:11:14.640 --> 02:11:18.319 Well, you're going to because I'm calling you a liar 2526 02:11:18.479 --> 02:11:21.840 and a thief, and I plan to prove it. How 2527 02:11:21.840 --> 02:11:22.239 about that? 2528 02:11:23.159 --> 02:11:26.520 Okay, you can prove it once I produce the contract. 2529 02:11:27.000 --> 02:11:29.119 Everything for you is to put bro You're just trying. 2530 02:11:28.960 --> 02:11:29.520 To get ratings. 2531 02:11:30.520 --> 02:11:32.840 Oh, I don't have to worry about ratings. I'm seventy 2532 02:11:32.880 --> 02:11:35.359 one years old. I've been on the air nearly fifty years. 2533 02:11:35.600 --> 02:11:38.199 Do you really think I care about you and ratings? 2534 02:11:38.439 --> 02:11:43.479 Come on, sir, Justin, Listen, listen, Justin. You know what, Justin, 2535 02:11:43.760 --> 02:11:46.439 you're in the little leagues. You're in the little leagues, 2536 02:11:46.479 --> 02:11:48.600 and you're dealing with the big leagues right now. Give 2537 02:11:48.640 --> 02:11:51.239 me your attorney's name and I'll chew him up and 2538 02:11:51.399 --> 02:11:54.279 spit him out. Give me your attorney's name. You don't 2539 02:11:54.359 --> 02:11:58.760 have an attorney, a liar, you don't have one. Here, 2540 02:11:59.079 --> 02:12:02.720 let me explain something. Everything that I'm telling you, everything 2541 02:12:02.840 --> 02:12:03.800 that I'm telling. 2542 02:12:03.600 --> 02:12:07.119 You, it's all psychological what you're doing. 2543 02:12:07.399 --> 02:12:10.520 So, really, you're such a you know what. Hold on? 2544 02:12:11.399 --> 02:12:14.640 He is such a genius, he said, everything I'm doing 2545 02:12:14.800 --> 02:12:21.119 is psychology. No, you're such a wise man. You took 2546 02:12:21.279 --> 02:12:25.640 sixty two grand from a senior citizen and you've done nothing. 2547 02:12:25.960 --> 02:12:28.319 Have you talked to Miss Holcom? Have you talked to miss. 2548 02:12:28.479 --> 02:12:34.960 Numerous numerous times? Numerous times? So they want to talk 2549 02:12:35.000 --> 02:12:36.760 to her right now. We'll get her on the air 2550 02:12:36.840 --> 02:12:37.079 with you. 2551 02:12:39.439 --> 02:12:42.800 Please, please listen, Let's get her on killing No, hold on, hold. 2552 02:12:42.600 --> 02:12:45.880 On, god, Wait, wait, wait, wait, no, go ahead, go ahead, Justin. 2553 02:12:45.960 --> 02:12:46.399 I'll listen. 2554 02:12:46.479 --> 02:12:49.439 Go ahead, dude, dude, dude, this is the last thing 2555 02:12:49.439 --> 02:12:49.920 I want to say. 2556 02:12:50.039 --> 02:12:52.039 Okay, I am more. 2557 02:12:52.279 --> 02:12:56.560 Than willing to go to any litigation with my contract 2558 02:12:56.760 --> 02:13:00.399 signed by miss Holcombe that proved she had some due 2559 02:13:00.439 --> 02:13:03.680 diligence she needed to perform prior to the bills. It's 2560 02:13:03.920 --> 02:13:06.079 very very clear in the contract. 2561 02:13:06.479 --> 02:13:11.640 So so you're saying you've done absolutely nothing, which we know, 2562 02:13:12.079 --> 02:13:16.079 and you think it's valid to keep sixty two thousand dollars. 2563 02:13:16.359 --> 02:13:18.239 Maybe you are owed a few bucks. 2564 02:13:18.039 --> 02:13:21.039 If you actually did anything, But how do you justify 2565 02:13:21.560 --> 02:13:24.039 keeping sixty two thousand dollars? 2566 02:13:25.079 --> 02:13:27.760 Here's the thing. Justin the Contractor's Trust. 2567 02:13:27.560 --> 02:13:29.680 Act, it's simple. It Can I say something? 2568 02:13:29.800 --> 02:13:30.479 Can I say something? 2569 02:13:30.520 --> 02:13:33.119 It's simple when you ask someone that, it's simple. A 2570 02:13:33.199 --> 02:13:35.359 business is a business, correct. So if you were to 2571 02:13:35.399 --> 02:13:38.720 buy a home and you made really horrible decisions, it 2572 02:13:38.800 --> 02:13:40.560 does not mean it don't owe on the home. 2573 02:13:40.800 --> 02:13:45.600 So you admit doing business with you was a horrible decision. Mark, Wait, justin, 2574 02:13:45.920 --> 02:13:49.000 you brought up a good point. Yeah, someone Justin said 2575 02:13:49.279 --> 02:13:52.439 if someone justin, if someone bought a home and they 2576 02:13:52.520 --> 02:13:55.279 made a bad decision, you're absolutely right, they would be 2577 02:13:55.319 --> 02:13:58.560 stuck with the home. You're absolutely right. She didn't buy 2578 02:13:58.680 --> 02:14:02.319 anything from you, tracted with you, and under the law, 2579 02:14:02.520 --> 02:14:04.920 the money she put down was supposed to be put 2580 02:14:05.039 --> 02:14:08.600 in trust before we even go into assessing her for 2581 02:14:08.760 --> 02:14:12.000 what you believe she owes. You can't prove that that 2582 02:14:12.239 --> 02:14:13.880 money is held in trust. 2583 02:14:17.680 --> 02:14:21.079 Again, I know you're fishing for some answers here. You're 2584 02:14:21.159 --> 02:14:24.760 not going to get legal answers from me during this conversation. 2585 02:14:25.199 --> 02:14:28.199 We're not getting any answers from you, let alone legal answers. 2586 02:14:29.760 --> 02:14:31.920 By the way, are you yet twenty one? Because you 2587 02:14:32.079 --> 02:14:34.760 sound like a you sound like a fool. You're just 2588 02:14:34.920 --> 02:14:37.840 on the air sounding like a little fool. You're messing. 2589 02:14:38.159 --> 02:14:41.560 You're messing with someone who knows how to outdo you. 2590 02:14:43.359 --> 02:14:44.479 I've been the war twice. 2591 02:14:44.800 --> 02:14:46.439 I served my country honorably. 2592 02:14:46.800 --> 02:14:49.039 Well, I'm not talking about I'm not talking about your 2593 02:14:49.119 --> 02:14:52.800 service record. Your service record has nothing to do with this. 2594 02:14:52.920 --> 02:14:59.960 I've never been I've never been arrested. So please listen, respectful, 2595 02:15:00.000 --> 02:15:02.199 people that you know nothing about man justin. 2596 02:15:02.600 --> 02:15:05.000 I do know one thing about you. You took sixty 2597 02:15:05.079 --> 02:15:06.199 two thousand. 2598 02:15:05.840 --> 02:15:09.840 Dollars for my story about me. You know a story 2599 02:15:09.920 --> 02:15:12.439 about me. You don't have no story it's true or not. 2600 02:15:12.680 --> 02:15:14.159 You just know a story about me. 2601 02:15:14.560 --> 02:15:18.960 You've acknowledged the story. That story is true. You took 2602 02:15:19.079 --> 02:15:20.520 sixty two thousand. 2603 02:15:20.159 --> 02:15:24.880 Dollars just speaking on facts. Do you have a number one? 2604 02:15:25.119 --> 02:15:25.520 Number one? 2605 02:15:25.600 --> 02:15:28.039 Let's be adult sho you run a radio show? Did 2606 02:15:28.359 --> 02:15:30.840 you verify if she did or did not have a 2607 02:15:30.920 --> 02:15:31.760 contract with me? 2608 02:15:32.199 --> 02:15:33.840 Yes, we have a copy of it, and we have 2609 02:15:33.920 --> 02:15:35.319 a copy of the cashier's chair. 2610 02:15:35.359 --> 02:15:38.079 Yes, sir, Yes we did, Yes, we did. If you 2611 02:15:38.119 --> 02:15:41.000 have a contract, we gotta take, we gotta Justin. I'm sorry, 2612 02:15:41.039 --> 02:15:42.680 but as you said, I am a talk show host. 2613 02:15:42.760 --> 02:15:44.760 I do have to take a break. You're welcome to 2614 02:15:44.840 --> 02:15:47.079 stay on. But let me just explain something to you. 2615 02:15:47.319 --> 02:15:49.600 And I promise you this, I mean this. Why don't 2616 02:15:49.680 --> 02:15:53.119 you prepare a written statement so every single word of 2617 02:15:53.199 --> 02:15:55.359 what you want to say will be included whenever I 2618 02:15:55.479 --> 02:15:58.520 talk about you. I promise you that, Justin, and you 2619 02:15:58.680 --> 02:16:01.479 can email it to us and uh kitchina give him 2620 02:16:01.479 --> 02:16:04.840 our email address. I got more coming right up? Go 2621 02:16:05.039 --> 02:16:08.600 with a sure thing Denver's best roofer Excel roofing dot com. 2622 02:16:08.800 --> 02:16:14.479 You don't pay a cent until you're content. Time for 2623 02:16:14.560 --> 02:16:18.880 an insurance checkup free, no obligation comparison call Compass Insurance 2624 02:16:19.079 --> 02:16:22.039 Paying too much your coverage at dozens of insurance companies 2625 02:16:22.159 --> 02:16:24.720 find out Now three oh three seven seven to one help. 2626 02:16:24.920 --> 02:16:27.560 You'll think you're his only customer when you choose Frank 2627 02:16:27.640 --> 02:16:30.359 durand thereal estate man dot com to list your home 2628 02:16:30.600 --> 02:16:33.760 with Remax Alliance three oh three nine two zero sixteen 2629 02:16:33.799 --> 02:16:34.319 twenty two