Speaker 1: Yea RiPP.
Speaker 2: Need ad by, so you don't have.
Speaker 3: Come running.
Speaker 4: Just as fast as we can, Shooter's gonna help come
Speaker 4: man Dix.
Speaker 5: He is the Troubleshooter Show. No Tom Martino, hell.
Speaker 6: On Tom Martino. And as you'll see in that little tiny.
Speaker 7: Corner at the side of your screen is Marky Mark
Speaker 7: Mark Mark and Uh he's at home in his remote studio.
Speaker 7: I'm in my studio and we're having a great time.
Speaker 7: If you're streaming, that's the Troubleshooter Show. If you're just
Speaker 7: listening on radio or podcast or wherever downloads, have a
Speaker 7: great time because we're gonna talk about things near and
Speaker 7: dear to your heart and pocketbook.
Speaker 6: What's that T shirt? Say? Mark?
Speaker 7: I can't see it. What does that say? What's your
Speaker 7: T shirt? It's something there anyway? Does he hear me? He
Speaker 7: doesn't even hear me his T shirts?
Speaker 3: Oh?
Speaker 7: Rolling Stones? Okay, that's pretty cool. You're like, hey, heyton
Speaker 7: T shirt, Rolling Stones. I just wondered what your T
Speaker 7: shirt said, Rolling Soon collect No Moss, I got you
Speaker 7: know what I got with me right now? I got
Speaker 7: Deputy Doc with me. Deputy Doc came over to the uh,
Speaker 7: to the remote suit. We got Deputy d I believe
Speaker 7: at the mothership. I think he's going there.
Speaker 2: Hi, Tom, it's Deputy Bow's here with me at the stadio,
Speaker 2: Dan Bow, Dan Bow.
Speaker 7: Okay, any follow ups before we get going, Not for
Speaker 7: me yet, just working on right.
Speaker 6: Now, go on, hold on, Doc's got something.
Speaker 8: Okay.
Speaker 9: Caroline called Caroline about a propane problem.
Speaker 6: She was how long ago is this this? Oh?
Speaker 8: Maybe just last week?
Speaker 6: Okay, Caroline? Okay.
Speaker 9: And apparently they said she owed them five hundred dollars
Speaker 9: for a propane refill.
Speaker 7: Oh and it was a new company that had been
Speaker 7: taken over. So here's the deal, and she didn't understand
Speaker 7: it at all. Right, they overfilled her tank.
Speaker 9: She was supposed to get only five hundred gallons units
Speaker 9: whatever it is, and there was an extra three hundred
Speaker 9: and twenty five dollar charge because the guy misread the
Speaker 9: sheet and gave her more gas than she had asked for,
Speaker 9: and she had no money.
Speaker 8: She was waiting for the Leap program to help pay.
Speaker 6: Okay, so all ry that makes sense. So really she
Speaker 6: did get the gas, it was just.
Speaker 9: More than she had ordered, right, and she had no
Speaker 9: money to pay for it. So we got in touch
Speaker 9: with Leap and Leip sent them a check for five
Speaker 9: hundred dollars, so that that was curt stuff that would
Speaker 9: cover the three twenty five and.
Speaker 8: She would only get one hundred and twenty.
Speaker 9: Five one hundred and seventy five unit scowns ever it
Speaker 9: is to make up the five hundred, so after she.
Speaker 7: Only had to pay for part of it. So you're saying,
Speaker 7: though they paid for it leap, all right, Well, Leap gave.
Speaker 9: Her the five hundred right which covered the three twenty
Speaker 9: five she owed, plus another one hundred and seventy five
Speaker 9: which would.
Speaker 8: Cover our next fillip.
Speaker 9: That's instead of getting five hundred at the next fillip,
Speaker 9: she'll get one seventy five and that she'll be back
Speaker 9: on track.
Speaker 8: All right.
Speaker 7: So basically though they overfilled her by mistake, correct, all right.
Speaker 7: See a lot of people that have big pro pain tanks,
Speaker 7: even though they have a big tank, don't always get
Speaker 7: it topped off. They can only afford a certain amount
Speaker 7: each month, so they literally go from you know, to
Speaker 7: service to service with what they can afford. In her case,
Speaker 7: they saw an empty tank and filled it. So Doc,
Speaker 7: that was really good. Cool, Let me get my dinger out. Okay,
Speaker 7: did you hear my dinger. By the way, on the air,
Speaker 7: I gues.
Speaker 8: It's a little pathetic today, Tom.
Speaker 6: But is it going over the air there, Shannon? It
Speaker 6: is okay, but she's.
Speaker 2: Don't hear it on the air.
Speaker 6: I don't hear it on the air.
Speaker 7: Anyway, Go ahead, So anyway, she's all cool, everything is copasetic.
Speaker 8: She's made whole and she's back on track.
Speaker 7: All right, So anyway, folks, three all three seven one
Speaker 7: three talk is our number three O three seven one
Speaker 7: three eight two five five. Now you're gonna hear my dinger.
Speaker 7: I just made an adjustment here. Watch listen to this one.
Speaker 7: Now there, did you hear that, Shannon?
Speaker 2: You definitely sounded more distracted.
Speaker 7: No, I'm asking okay, man, I'm telling you, I don't
Speaker 7: know why this guy is being so nasty.
Speaker 6: I'm gonna try it again, my dinger.
Speaker 8: There we go.
Speaker 6: Thank you.
Speaker 7: See, Deputy doc, we're technically a dinger doctor in a
Speaker 7: in a way of matter of speaking, three O three
Speaker 7: seven one three eight two five.
Speaker 6: So Eva has a question about open enrollment.
Speaker 7: By the way, open enrollment I believe is over right, Mark,
Speaker 7: I mean open enrollments towards the end of the year
Speaker 7: and it's a chance for you to change way over.
Speaker 9: Yeah, it's usually from around December seventh to January fifteenth.
Speaker 8: That's that's approximately when it's opening.
Speaker 6: Around open enrollment.
Speaker 7: The reason there's open enrollment is because because of Obamacare,
Speaker 7: and they wanted to be able to predict actuarily who's
Speaker 7: going to participate in what the rates will be. They
Speaker 7: made everyone sign up at a certain time of year
Speaker 7: or make changes during a certain time of year, except
Speaker 7: for very minor exceptions. Exceptions are if you lose a job,
Speaker 7: if you move, or something like that. But in ninety
Speaker 7: eight percent of the cases, if you want to change
Speaker 7: coverage at all, you have to do it during open enrollment,
Speaker 7: and that's the only time you get to change unless
Speaker 7: there's a life changing event. So people say, make sure
Speaker 7: you like your coverage or you know you're stuck with it,
Speaker 7: and in essence, that's kind of true.
Speaker 2: So Eva, what's going on with you?
Speaker 6: Are you there?
Speaker 2: Eva? Eva? We might have lost her.
Speaker 7: Let's see if we can resurrect Eva. She wanted to
Speaker 7: know about open enrollment and open enrollment though I believe
Speaker 7: it is over.
Speaker 2: Now.
Speaker 6: You can text me as well as call me.
Speaker 7: You can text the iHeart short code that's for all shows,
Speaker 7: and it comes to iHeart and you put my name
Speaker 7: on it and comes to me. Just put Tom in there,
Speaker 7: or Mike if you're doing Mike Brown or Dan Kaplas
Speaker 7: if you're doing Dan, just sip with Dan.
Speaker 6: Okay, So it's five seven, seven three nine.
Speaker 7: Then I have my own exclusive number and my number
Speaker 7: that comes to my cell phone. It's my Google Voice number,
Speaker 7: so I have it to my cell phone for all
Speaker 7: kinds of things, and that's seven four seven nine nine
Speaker 7: nine fifty eighty Tom.
Speaker 9: Just to my people, when they sign up for Medicare
Speaker 9: the first time for Medicare, yet, if they don't choose
Speaker 9: supplement the next year and every following enrollment period, they
Speaker 9: will have their medical records examined. When you sign up
Speaker 9: the first time, you can get supplement without having to
Speaker 9: give a medical history. Once you've passed that initial time,
Speaker 9: the next year and the year after that, they will
Speaker 9: evaluate your history.
Speaker 7: Not just if you're signing up for a supplement, but
Speaker 7: if you're changing its.
Speaker 9: Changing to supplement, like I was denied because of my
Speaker 9: medical history, so but if I had signed up initially
Speaker 9: with supplement.
Speaker 7: So initially supplements cannot turn you down, correct, But after that,
Speaker 7: if you want to change the new companies can ask
Speaker 7: for medicals.
Speaker 2: Absolutely, yeah, And I have a supplement.
Speaker 7: I have a supplement I've had from the beginning, and
Speaker 7: I think it's called a g right. It's one of
Speaker 7: the best you can buy, and I've not when I
Speaker 7: had my back surgery, I pay twenty dollars. Now a
Speaker 7: lot depends on the time of year, because don't you
Speaker 7: have a deductible. We all have deductibles no matter what
Speaker 7: kind of supplement we have.
Speaker 9: All pointing out is that if you don't take supplement
Speaker 9: the first time, you have to be aware of the
Speaker 9: fact that so they can.
Speaker 7: Deny if you're taking Medicare Part A and B with
Speaker 7: a supplement or Medicare advantage is different. Now, I personally
Speaker 7: don't like Medicare advantage anywhere near A and B with
Speaker 7: a supplement. I believe Part A and Part B with
Speaker 7: a supplement is far superior, and then a separate drug plan.
Speaker 6: The thing about.
Speaker 7: Advantage is you don't pay for it. Technically, they just
Speaker 7: take the money that you have for that's a lottit
Speaker 7: to for Part A and Part B that you would
Speaker 7: pay anyway, and then they allot that and give you
Speaker 7: a supplement on top of it, and they control everything.
Speaker 7: But you're way more limited on healthcare providers and everything else.
Speaker 7: I have just never when I have looked into supplements
Speaker 7: versus advantage, I've always thought advantage was better.
Speaker 2: Is Eva there?
Speaker 1: Now?
Speaker 3: I'm here?
Speaker 6: Hi Eva? What's happening? Eva?
Speaker 1: Well?
Speaker 10: Thank you for taking my talking about this issue. I
Speaker 10: mistakenly answered a scam call trying to sign people up
Speaker 10: for their company H for I already had SIGNA and
Speaker 10: I was happy with it, but I listened.
Speaker 2: To it and now you had SIGNA for what?
Speaker 6: Though?
Speaker 2: Eva?
Speaker 6: What what did you have SIGNA for?
Speaker 10: My healthcare?
Speaker 2: Which?
Speaker 7: What kind of healthcare? I don't understand. Was it a supplement?
Speaker 7: Was it a drug plan? Was it a what? What
Speaker 7: was SIGNA for? When you said you had SIGNA?
Speaker 10: I had SIGNATU with A and B. It's an advantage.
Speaker 7: Okay, you had Medicare advantage through SIGNA?
Speaker 10: Correct?
Speaker 2: Got it?
Speaker 6: So what happened?
Speaker 10: Okay?
Speaker 6: So?
Speaker 10: Uh? I let this person talk to me? And and
Speaker 10: what did they do?
Speaker 7: Did they try to get you to switch from SIGNA
Speaker 7: to somewhere else?
Speaker 5: Correct?
Speaker 10: And actually I did it?
Speaker 8: Uh?
Speaker 10: And I am sorry that I did that. And the
Speaker 10: thing is.
Speaker 2: Now, what do you mean?
Speaker 6: Okay?
Speaker 7: So what were they telling you on the phone? Did
Speaker 7: they call you or did you call them?
Speaker 10: It was one of those scam calls that I missed.
Speaker 6: I answered, I don't say they said that, well, not necessarily.
Speaker 7: They're just trying to get you to switch. So did
Speaker 7: they say we have a better.
Speaker 6: Plan for you?
Speaker 10: That's what they were trying to say. I don't know
Speaker 10: if it's true. But what I let the do was
Speaker 10: sign me up for.
Speaker 11: Starting March first. I did it over the phone.
Speaker 1: With a void.
Speaker 2: What did you sign up for.
Speaker 10: A different company? United Health? I think it was?
Speaker 2: But and what is it?
Speaker 6: Is it advantage or is it still a supplement?
Speaker 12: No?
Speaker 10: I had advantage with SIGNA and I don't know for
Speaker 10: sure if it still is or not.
Speaker 11: But I thought and I mentioned.
Speaker 10: It to the salesperson. I said, I thought that open
Speaker 10: enrollment was only you know that that period was over?
Speaker 10: And why would do you have been able.
Speaker 6: To sign When did this call happen? Eva?
Speaker 2: Eva? When did this call happen?
Speaker 1: Saturday?
Speaker 10: Saturday?
Speaker 7: All right, hold on a second, let's get let's get
Speaker 7: Integra Insurance on to find out what the hell's going on.
Speaker 7: She's right, open enrollment was over. I don't know what
Speaker 7: game they're playing. We'll try to figure it out. Tom
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Speaker 7: nine two zero sixteen twenty two. Hey Tom Martino here
Speaker 7: three O three seven one three talks seven one three
Speaker 7: eight two five five. So we're trying to get uh
Speaker 7: integer Insurance on to talk about Eva's problems. So we
Speaker 7: won't bring her up until we can get them. But
Speaker 7: someday's weird.
Speaker 2: That they called.
Speaker 7: But they she did switch voluntarily. I think it's gonna
Speaker 7: be a problem. But I'm wondering if she's gonna switch
Speaker 7: back and we're gonna find that out. There might be
Speaker 7: some special circumstances where you can do that.
Speaker 2: I have some texts here.
Speaker 7: Okay, I'm sixty five in two years, I have not
Speaker 7: had health insurance since two thousand and five. Will supplemental
Speaker 7: insurance deny me? I don't think so. I don't think
Speaker 7: it has anything to do with your previous insurance. It's
Speaker 7: not like car insurance.
Speaker 6: If you are not previously ensured they consider you a
Speaker 6: high risk. That's not the case.
Speaker 7: In fact, if you go to one, no, they won't
Speaker 7: have a clue history on you, but they can get
Speaker 7: your medical records, so you'll be able to get part
Speaker 7: A and Part.
Speaker 6: B in a supplement quite easily.
Speaker 7: But if you haven't been to a doctor literally in
Speaker 7: that long, you may want an advantage plan because advantages oh,
Speaker 7: he says, I haven't been to a doctor since two
Speaker 7: thousand and one. By the way, you know, a lot
Speaker 7: of people think that's a sign of health and wisdom
Speaker 7: and all that.
Speaker 6: I don't think that's a wise idea.
Speaker 7: I think, you know, there's a school of thought that
Speaker 7: says you're just looking for trouble, you know, and why
Speaker 7: are you always looking for trouble? And then that's the
Speaker 7: old school. And then some say I haven't been to
Speaker 7: a doctor, or they think they're healthy. They may or
Speaker 7: may not be. I really don't think it has anything
Speaker 7: to do with it if you've been to a doctor
Speaker 7: or not. I think it's wise to get checked up
Speaker 7: every now and then. It's not a guarantee for sure,
Speaker 7: but I think you won't have any problem. I would
Speaker 7: call integer insurance though, for absolutely sure, I would not
Speaker 7: take any chances. There's no reason why anyone should try
Speaker 7: to do it themselves. It's just ridiculous.
Speaker 6: All right.
Speaker 7: Let me see, Tom, I'm a truck driver, longtime listener,
Speaker 7: and my instance, I'm reading this cold. In my estimation,
Speaker 7: you're a stand up guy, and I'm interested in an
Speaker 7: annuity and have around two hundred and fifteen thousand dollars
Speaker 7: in a savings count to work.
Speaker 6: Can you advise? Well, it depends on your goals.
Speaker 7: If you want to take that two fifteen and put
Speaker 7: it away and never worry about it, you'll get a
Speaker 7: modest return.
Speaker 6: You'll get absolutely well, actually you'll get.
Speaker 7: Either the better return or the modest return, whichever is better.
Speaker 7: You'll have a guaranteed income. I don't know what that
Speaker 7: two point fifteen will get you an income, but it
Speaker 7: won't be bad. It'll supplement your social security, but you
Speaker 7: know that it's safe.
Speaker 2: Now.
Speaker 7: The one thing you're gonna do if you put that
Speaker 7: two fifteen in an annuity, you are going to lose liquidity.
Speaker 7: Now people say, well I don't need liquidity, Well that's wonderful.
Speaker 7: And when people say you can draw out up to
Speaker 7: ten percent a year, without penalty, you can, but then
Speaker 7: that goes against the annuity and then you have less
Speaker 7: income later on and less earnings as well. So I'm
Speaker 7: just saying, look at your whole entire picture. You don't
Speaker 7: mention how old you are.
Speaker 2: Either.
Speaker 7: Again, if you have a few years, you can make
Speaker 7: more money with that, or put some of it in
Speaker 7: an inuity and keep some of it growing. It all depends.
Speaker 7: But the answer is not as easy as yes or no.
Speaker 7: Do it or don't do it.
Speaker 2: Tom.
Speaker 7: The reason Trump is purging government is not to help people.
Speaker 6: It's to help big business.
Speaker 7: Oh guess who this is, Mark, It's to help big
Speaker 7: business in corporate America. I hope Americans will wake up,
Speaker 7: you know, Monty. They did wake up, and that's why
Speaker 7: you and your ilk were tossed the hell out.
Speaker 2: They did wake up.
Speaker 6: Monty.
Speaker 2: I'm sick and.
Speaker 6: Tired of your texts.
Speaker 7: I don't know why you think everything going on is
Speaker 7: terrible and you know, the most terrible insult in the world,
Speaker 7: and I can't believe it.
Speaker 6: What I can't believe.
Speaker 7: Is that people are complaining how cruel, how terrible, how
Speaker 7: terrible that somebody would ask you what you did at
Speaker 7: work last week? That is supposed to be the biggest
Speaker 7: shock in insult to workers right now, because Elon Musk
Speaker 7: is asking people what they have done at work? Yeah,
Speaker 7: isn't that a terrible insult?
Speaker 2: What have you at work last week? What have you done?
Speaker 2: That's what they're doing.
Speaker 7: So I just think that it is the kind of
Speaker 7: thing that we have gotten so used to lying and
Speaker 7: cheating and accating. I'll bet you a lot of those
Speaker 7: federal workers don't want to tell them what he did
Speaker 7: last week. Don't want to tell him what they did
Speaker 7: because they didn't do anything. Mark, did you hear about
Speaker 7: the uproar? Because all he asked was to a list
Speaker 7: of what they did last week?
Speaker 13: Yeah, Well, I don't believe the uproar is what you
Speaker 13: think it is. I mean, I just I don't think
Speaker 13: like three people with very loud lungs that's it.
Speaker 6: Oh oh oh, you're saying there isn't an uproar.
Speaker 13: I get they're trying to they're trying to create one.
Speaker 6: So you think most people don't mind answering those questions.
Speaker 2: Well, I don't know if they mind.
Speaker 13: If I didn't do anything and my answer was nothing,
Speaker 13: I'd probably mind answering it.
Speaker 7: Now, if you had to answer that question, Uh, Shannon,
Speaker 7: what would you answer?
Speaker 6: What did you do last week?
Speaker 7: Well? You did five shows, ten shows for sports or whatever.
Speaker 6: It's easy.
Speaker 7: You just delineate what you did right now. We're not
Speaker 7: saying whether you did it well or not, but you
Speaker 7: did it right. And as far as any job you have,
Speaker 7: I'm thinking, what did I do last week? I'll bet
Speaker 7: your deputy d and Bo are thinking that right now.
Speaker 7: Now Deputy Doc might be a little problem here. He's
Speaker 7: retired and we're not sure what he did. I know
Speaker 7: he played cards, probably and helped us with some troubleshooter problems.
Speaker 8: I made a lot of money last week.
Speaker 2: Wait, wait, what did you do?
Speaker 8: I said, I made a lot of money playing cards
Speaker 8: last week?
Speaker 6: Oh yeah, yeah, yeah, you know what.
Speaker 7: I used to love playing cards. We used to do
Speaker 7: it every Saturday, all walks of life. We would get together.
Speaker 7: So many years ago, I was working for a newspaper. Anyway,
Speaker 7: I would like to know if anyone has had experience
Speaker 7: switching supplements. Now I switched supplements, but this was.
Speaker 2: What was weird. And Tiger said, Tom.
Speaker 7: The company that you have actually has a better supplement
Speaker 7: than you have. And I said, why, Yeah, it's better
Speaker 7: and it's lower money, but you'd have to requalify for
Speaker 7: the supplement.
Speaker 6: You have excuse me that you want to get. So
Speaker 6: here's how they did it for me.
Speaker 7: And are we trying to get them on by the way,
Speaker 7: because I really do want to talk to them.
Speaker 2: They said, we're not going to it.
Speaker 6: I'm working on it. Thank you, Thank you, Kachina.
Speaker 7: We're not going to terminate the one you have until
Speaker 7: you get the new one. So there's a it's not
Speaker 7: like you're at risk. You don't drop the one you
Speaker 7: have to get the new one. You simply explore the
Speaker 7: new one and if you get it, you take it,
Speaker 7: and if you don't, you keep the old one.
Speaker 6: So you're not without coverage.
Speaker 7: And by the way, integrit does more than Medicare supplements
Speaker 7: and all that. Of course, they do regular health insurance.
Speaker 7: And I think health insurance is important. What's going to
Speaker 7: happen with the whole health insurance industry anyway? What's going
Speaker 7: to happen? I think there are so many more efficient
Speaker 7: ways to do what we're doing with health care in general,
Speaker 7: and especially insurance. Insurance has become its own entity.
Speaker 2: Which actually adds cost to healthcare.
Speaker 7: It's not efficient, it doesn't keep costs down like they
Speaker 7: originally said they did.
Speaker 6: The system is absolutely broken. It is. The health insurance
Speaker 6: system is broken. Our healthcare isn't terrible.
Speaker 7: You know, our healthcare gets a black eye, but it's
Speaker 7: not our care itself, our healthcare professionals, those dedicated people.
Speaker 6: It's not. Doctors aren't getting wealthy and rich.
Speaker 7: I'll bet your deputy doc, your reimbursement rate for cesarean,
Speaker 7: for example, was not substantially more when you started your
Speaker 7: practice than when you ended it. And but yet insurance companies,
Speaker 7: but the price is kept going up.
Speaker 2: I mean, seriously, isn't that true.
Speaker 7: I talked to doctors who said that they're actually reimbursement rate,
Speaker 7: the money they actually get paid is not substantially more.
Speaker 8: No, it wasn't.
Speaker 2: It's that the insurance added costs to it.
Speaker 8: Yeah.
Speaker 9: Absolutely, plus like you, like we've always said, I had
Speaker 9: one full time, one full time employed that did nothing
Speaker 9: but verify insurance and file claims.
Speaker 6: And here's another thing, and I don't know how it
Speaker 6: is nowadays.
Speaker 7: But if insurance didn't pay it, patients felt they didn't
Speaker 7: know it.
Speaker 13: Isn't that the same thing though, that homeowners insurance does.
Speaker 2: What's the difference.
Speaker 8: You can't balance them.
Speaker 9: You can't balance those No, no, no, I know you can't, right,
Speaker 9: So that's where it came out.
Speaker 2: But that's what I mean.
Speaker 6: Insurance companies are setting a price.
Speaker 9: Absolute right, and if you don't take it, you lose
Speaker 9: a large portion of your patient population.
Speaker 6: Mark, What were you saying?
Speaker 13: I'm saying, isn't that what all insurance companies do? Automotive
Speaker 13: homeowners they insert themselves in between.
Speaker 7: Yeah, but they don't insert themselves like the mafia. They
Speaker 7: don't insert I'll I'll explain the difference I mean, and
Speaker 7: I know you'll see it.
Speaker 2: Yeah, got all.
Speaker 13: They all use the same labor guides for roofing, for
Speaker 13: car repair.
Speaker 2: They basically wrote the book. Literally, No, I.
Speaker 7: Understand what you mean. You're talking about exact to me.
Speaker 7: But it's not the same quite as healthcare. I think
Speaker 7: healthcare is where it gets literally when I call it,
Speaker 7: I think it's immoral. But we'll talk about that in
Speaker 7: more coming up. Get your calls in with anything you
Speaker 7: have three oh three seven one three talk three oh
Speaker 7: three seven to one three.
Speaker 2: Eight two five five. I'm Tom Martino.
Speaker 7: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 7: dot com. You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free, no obligation. Comparison
Speaker 7: call Compass Insurance paying too much your coverage at dozens
Speaker 7: of insurance companies find out now three all three, seven
Speaker 7: to seven to one help. You'll think you're his only
Speaker 7: customer when you choose Frank durand the real estate Man
Speaker 7: dot com to list your home with Remax Alliance three
Speaker 7: oh three nine two zero sixteen twenty two. Hey Tom
Speaker 7: Martino here, welcome to the show along with Mark Major.
Speaker 7: We got Shannon and to controls Kachina colorI on the phones,
Speaker 7: and Sue somewhere in the background working deputy bodeputy d deputy.
Speaker 6: Doc over here. So we're busy. Give us something to do.
Speaker 7: You got problems, question complaints three oh three seven one
Speaker 7: three talks seven one three eight two.
Speaker 6: Five five even hang in there.
Speaker 7: We are going to try to get somebody to help
Speaker 7: switch you out or get you situated if we can.
Speaker 7: As far as health insurance, Mark and I were talking
Speaker 7: about it, and Mark said, and aptly so, that insurance
Speaker 7: companies have long been inserting themselves in transactions. And for example,
Speaker 7: you know, when it comes to cars, they rate you
Speaker 7: according to the car. They take control over that. They
Speaker 7: decide what's a safe car and what's not, how old
Speaker 7: you are when you're safe, when to surcharge you when
Speaker 7: you're not, you know, if you're a male or female.
Speaker 13: And unlike health insurance, they actually at least come to
Speaker 13: those with actual aerials, where with health insurance they don't.
Speaker 7: And that's exactly one of the things I wanted to
Speaker 7: tell you. So here's what I don't like about health insurance.
Speaker 7: And again, I am an entrepreneur, a capitalist. I love profit,
Speaker 7: I love all of that, but there are just some
Speaker 7: areas where it does not make sense to have a
Speaker 7: profit model. Now I'm not talking about people not getting paid.
Speaker 7: People should get paid for what they do.
Speaker 6: But I'm trying to in this overall picture.
Speaker 7: When we have health insurance, we take premiums and then
Speaker 7: we aggregate those premiums to losses.
Speaker 2: The idea is, if you take the.
Speaker 7: Premiums invest them wisely, you have enough to pay for
Speaker 7: the care.
Speaker 2: And that worked.
Speaker 7: In fact, there were all kinds of insurance funds in
Speaker 7: the early eighteen hundreds nineteen hundreds there were met They
Speaker 7: were sick funds, insurance funds, they call them wellness funds.
Speaker 7: And then Kaiser of course started the shipbuilders, started having
Speaker 7: his own model for his own people, where he'd have
Speaker 7: doctors working for them and their only goal was to
Speaker 7: make his people healthy, and they had hospitals and stuff.
Speaker 6: It was a great model.
Speaker 7: Now, the reason it worked is because money came in
Speaker 7: and then it paid for health care to healthcare workers
Speaker 7: did not come up with an artificial price for a procedure.
Speaker 6: Knowing that they'd get less. They didn't play a game.
Speaker 7: They didn't have to have administrators that specifically only dealt
Speaker 7: with getting paid from insurance companies.
Speaker 6: They were funds. They were nonprofit funds.
Speaker 7: Nobody cared if they made a profit or not, because
Speaker 7: there was no profit to be made.
Speaker 6: Everything was for the care of the people.
Speaker 7: The people that got got paid, of course, doctors got paid,
Speaker 7: nurses got paid, the administrators got paid to keep the
Speaker 7: system going. But what happened was then we had big
Speaker 7: health insurance, big regular insurance companies getting involved like state
Speaker 7: farming these others, and most state farms are bad example.
Speaker 7: But you had United Healthcare and others that had stock holders.
Speaker 6: So now you had different things.
Speaker 7: You had the premium, and that premium was brought into
Speaker 7: the company, and you wanted to pay it out to
Speaker 7: doctors for patients, but you wanted to have enough leftover
Speaker 7: for stockholders and profits. And that's when it became, in
Speaker 7: my opinion, disingenuous, because you can't serve two masters like that.
Speaker 7: You know, it's different when you're building a car for
Speaker 7: a profit and you want to make the best damn
Speaker 7: car there is. You don't sacrifice the quality of a
Speaker 7: car for your stockholders.
Speaker 6: In fact, it benefits them.
Speaker 7: The better the quality, the more people pay for the car,
Speaker 7: and the better the profits are all the way around,
Speaker 7: including people who buy Tesla stock or people who buy
Speaker 7: FOD that pay the dividend.
Speaker 6: We're talking about the real model.
Speaker 7: But when it comes to healthcare, it's not a product
Speaker 7: that gets better.
Speaker 6: It's not something that's shinier. It's not something that.
Speaker 7: People say, oh, I want to buy that one. Of
Speaker 7: course they don't. They don't even want insurance to begin with.
Speaker 7: So when they do buy insurance and it does help them,
Speaker 7: there's no one that says, oh, that's worth more money. Now,
Speaker 7: I think that's a great insurance company. I'm going to
Speaker 7: go with them. You don't really have that kind of model.
Speaker 7: But stockholders want a profit, and they want a dividend
Speaker 7: on helping people, and they can't get it on helping people.
Speaker 7: The way they get it is by denying people. That's
Speaker 7: the only way. If you think about the model of
Speaker 7: health insurance, you can't make it better and make more money.
Speaker 2: You can make a.
Speaker 7: Car better and make more money, But with insurance, the
Speaker 7: only way to make it better is to pay less
Speaker 7: in claims. You don't get rewarded for paying out great
Speaker 7: claims and for making people's house beautiful after it burned down.
Speaker 7: So insurance, by its very nature, by its very nature,
Speaker 7: must glean profits from turning down people and from denying claims.
Speaker 7: They don't make better profit by helping people.
Speaker 6: It's the only model of its kind.
Speaker 7: That is what I call counterproductive. Everything else, you make
Speaker 7: a better product, you make more money, and more people
Speaker 7: flock to you.
Speaker 8: How about they what happens if they just raise rates? Well,
Speaker 8: how does that affect?
Speaker 2: Then people go to an.
Speaker 6: Vision, Then people go to another insurance company.
Speaker 7: That insurance company keeps the race sound because they deny
Speaker 7: more people. That's what I'm getting at when you have
Speaker 7: a profit motive or incentive within a health insurance field,
Speaker 7: you're not You're not your Your target is not making
Speaker 7: people better and getting the best healthcare. It's telling doctors
Speaker 7: what they can and cannot do to keep prices down.
Speaker 7: You know that doc, you were in it, and you
Speaker 7: would have things called capitation.
Speaker 2: Now imagine this. Let's just say if you never worked.
Speaker 7: At a doctor has a thousand patients and they'll let's
Speaker 7: say they give a doctor. I'm going to use stupid
Speaker 7: numbers that don't really mean anything, but it's easy to
Speaker 7: conceptualize it. Let's say you have a thousand patient pract
Speaker 7: health insurance company says we're going to pay you one
Speaker 7: thousand dollars a year.
Speaker 6: So that's one dollar per patient a year.
Speaker 7: Now, obviously the numbers are different, right, So what they
Speaker 7: say is so if you spend a lot of money
Speaker 7: on five patients, you have less to spend on ninety
Speaker 7: five patients. If you spend hardly anything on these patients,
Speaker 7: you get to keep more.
Speaker 6: At the end, the entire idea of insurance.
Speaker 7: And health insurance is not helping people to make more money.
Speaker 6: That's how you make more money is by not helping people.
Speaker 7: It's the most ludicrous business model.
Speaker 6: Now I know that a pure capitalist says, whoa that, Well,
Speaker 6: it's not.
Speaker 2: It's not.
Speaker 7: You can't have a profit model in insurance. It's counterintuitive.
Speaker 7: You just can't do it. Insurance would be better off.
Speaker 6: Insurance is supposed to be a mutual and originally they
Speaker 6: were called mutual companies.
Speaker 7: Do you want to know why mutual men? They all
Speaker 7: owned a piece of it and no one made a profit.
Speaker 7: They pull their money to help others. That's why it worked.
Speaker 7: You cannot have an insurance company that serves the master
Speaker 7: of the person who needs help and the master of
Speaker 7: the stockholder who simply wants to make a profit. You
Speaker 7: can't do it, and it'll never change because in America,
Speaker 7: when you start talking about nonprofits, they equate it with
Speaker 7: communism and socialism and all that.
Speaker 6: And I'm not talking about that at all.
Speaker 7: I'm just talking about having Kaiser is the best example
Speaker 7: in the world. It's nonprofit. Kaiser is the best example
Speaker 7: in the world. Now can they be Unfortunately they have
Speaker 7: to deal with health insurance and compare to other clinics sometimes,
Speaker 7: so they're forced not to be the Kaiser that the
Speaker 7: Shipbuilder invented, but that is one of the best models
Speaker 7: there would be. So I think the solution is having
Speaker 7: big healthcare companies that actually help customers. That they can
Speaker 7: show their longevity rates, they can show their cure rates
Speaker 7: for cancer, they can show their acute medicine rates, they
Speaker 7: can show what they do well. More people go to them,
Speaker 7: and you help more people. There's no profit, it's just
Speaker 7: the more money they get in, the more.
Speaker 6: I know, I gotta take a break.
Speaker 2: I'm tomr who does all this, who doesn't.
Speaker 7: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 7: dot com. You don't pay a cent until you're content
Speaker 7: than time for an insurance checkup free, no obligation. In comparison,
Speaker 7: call Compass Insurance paying too much your coverage at dozens
Speaker 7: of insurance companies find out now three o three seven
Speaker 7: seven to one help. You'll think you're his only customer
Speaker 7: when you choose Frank durand the real estate Man dot
Speaker 7: com to list your home with Remax Alliance three three
Speaker 7: nine two zero sixteen twenty two. Hi, Tom Martino, You're
Speaker 7: a troubleshooter three oh three seven one three.
Speaker 6: Talks seven one three eight two five five.
Speaker 7: So again Mark asked, was asking a question when we
Speaker 7: were talking about health insurance, and I suggested they are
Speaker 7: nonprofit organizations.
Speaker 6: What were you asking, Mark? Or you brought something up?
Speaker 2: Well, who would do all this for free?
Speaker 6: No? See?
Speaker 7: And that's the point. Nonprofit is not free. And that's
Speaker 7: a good point. It's not the CEOs get paid. The
Speaker 7: doctor of course, all the healthcare workers get paid, all
Speaker 7: the administered, everybody gets paid. Go with a sure thing
Speaker 7: Denver's Best roofer Excel Roofing dot com. You don't pay
Speaker 7: a cent until you're content. Time for an insurance check
Speaker 7: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 7: too much your coverage at dozens of insurance companies find
Speaker 7: out now three all three seven seven to one help.
Speaker 7: You'll think you're his only customer when you choose Frank
Speaker 7: durand the real estate Man dot com to list your
Speaker 7: home with Remax Alliance three all three nine two zero
Speaker 7: sixteen twenty two.
Speaker 4: Yeah, rid News need advice.
Speaker 2: So you don't have.
Speaker 11: Come running.
Speaker 14: Just as fast as we can.
Speaker 4: Shooter's gonna help, come man, This is.
Speaker 5: The Troubleshooter Show. No Tom Martino, Hey.
Speaker 6: Tom, Martino here, Welcome to the show. Three oh three
Speaker 6: seven one three talk three oh three seven one three
Speaker 6: eight two five five. So we got uh let be,
Speaker 6: we got a lot happening here in the studio today.
Speaker 6: We got a guess that just showed up.
Speaker 7: Now we have uh Now, Paul the Waterman was gonna
Speaker 7: was scheduled to be here today but he couldn't make it.
Speaker 7: And then I had also booked Nick, my buddy at
Speaker 7: renew home Innovations dot com.
Speaker 2: Now, Nick, I've.
Speaker 7: Known for years and he's been on the show. I
Speaker 7: mean he's been he's been advertised for years, but he
Speaker 7: doesn't get to come into the show that much. And
Speaker 7: the reason I wanted to come in is because when
Speaker 7: when I saw this stuff, I was blown away. These
Speaker 7: porcelain showers look like a million dollar literally a million dollars.
Speaker 7: There was a time when porcelain you could even think
Speaker 7: about porcelain without a ton of money. So we're gonna
Speaker 7: be talking to Nick about some of his shower conversions
Speaker 7: and other things on his agenda.
Speaker 6: So if you ever have any questions about bathrooms.
Speaker 7: Nick is the man renew home Innovations dot com. Hey, Nick,
Speaker 7: I want to ask you something real quick before I
Speaker 7: go to the calls because I want to I do
Speaker 7: want to talk to you more, but I want to
Speaker 7: ask you this real quick.
Speaker 6: And I got you on camera here.
Speaker 2: Okay, so quick question.
Speaker 7: Are you gonna do anything more than baths? Are you
Speaker 7: ever going to get into anything more than baths? Or
Speaker 7: you're gonna keep baths or what? In other words, when
Speaker 7: you're all set up to do baths, aren't you automatically
Speaker 7: set up to do kitchens?
Speaker 2: Or is that just a fallacy? You got to talk
Speaker 2: right too?
Speaker 6: Yeah, yeah, and thanks your truth truth be told me.
Speaker 6: We do focus on on.
Speaker 15: Bathos car expertise, but we do quite a few kitchens
Speaker 15: actually when.
Speaker 2: You're there doing a bath.
Speaker 15: Absolutely we do a lot of kitchens just in general.
Speaker 15: I mean we probably got seven or eight kitchen projects
Speaker 15: going on.
Speaker 2: Oh I didn't know that.
Speaker 7: I didn't know that. When I asked that, I had
Speaker 7: no idea. So I want to ask something silly because
Speaker 7: I saw this porcelain stuff and I said to my wife,
Speaker 7: you know what, this stuff is so beautiful? Can it
Speaker 7: be used elsewhere than just a shower conversion?
Speaker 14: Like?
Speaker 7: Can you do a bathroom in it? I'm serious about that?
Speaker 7: Or I mean, is that or is that crazy?
Speaker 15: Well, I mean it can actually be any anywhere you
Speaker 15: choose where you want to put it. I mean, we
Speaker 15: focus a lot of a lot of our projects on
Speaker 15: the bath space, especially like in steam showers, but we
Speaker 15: put it in. Seventy five percent of our bath projects
Speaker 15: today are porcelain. We do a lot of kitchen countertops
Speaker 15: in porcelain, as well as fireplace features and things of
Speaker 15: that nature.
Speaker 7: So why haven't they done porcelain to this extent? Is
Speaker 7: the sheet porchan relatively new?
Speaker 3: It is? It?
Speaker 15: It's a relatively new product, and the reason why it
Speaker 15: hasn't been used as much is because application. It's not
Speaker 15: the easiest product to install. You've got to have proper
Speaker 15: tools to be able to do it, and so you
Speaker 15: have to have proper it's.
Speaker 7: Real porcelain too. On how do they make a sheet
Speaker 7: out of that stuff? What do they back it with?
Speaker 15: It's quarried, It's quarried in different thicknesses.
Speaker 7: It's literally quarried stone and shine. Now, can you get
Speaker 7: different finishes like you can with a grand Can you
Speaker 7: get a more leathered finish or different kinds of finishes
Speaker 7: or one finish?
Speaker 2: Yeah, you definitely can have.
Speaker 15: You can have a gloss, you can have a matte
Speaker 15: finish home finish if you will. And there's all kinds
Speaker 15: of different patterns. I mean, there's hundreds of different patterns.
Speaker 15: They all look amazing, you know. And the nice thing is,
Speaker 15: you know, you can make it the way you want
Speaker 15: to look. So that's the beauty of it all.
Speaker 6: Anyway, thank you for being here. Gonna talk to you
Speaker 6: some more. I just wanted to talk in general about that.
Speaker 7: And now we're going to go to the phones, and
Speaker 7: Mark is with us here. If you're streaming, you'll see
Speaker 7: him there now.
Speaker 6: I brought him up.
Speaker 7: And then we also have anything on your mind you
Speaker 7: want to talk about. Jeremy wants to talk about IRS,
Speaker 7: the possible IRS scam man. There are so many scams.
Speaker 2: I just can't believe how many.
Speaker 7: I can't literally believe how many scams are right now,
Speaker 7: probably more than ever in history, and not just with
Speaker 7: the IRS.
Speaker 6: What's going on with you?
Speaker 2: Jeremy?
Speaker 16: All right? Yeah, you know I got a letter, you know,
Speaker 16: from IRS. But it wasn't in my name, but it
Speaker 16: was my address. There are some companies.
Speaker 2: Wait wait, wait, wait, it was your address, but who
Speaker 2: was it?
Speaker 8: If it?
Speaker 6: Let me ask you that man, it was your address,
Speaker 6: but not your name.
Speaker 16: Yeah, so you know, I put it back in the
Speaker 16: mail and I said, you know, it wasn't mine. And
Speaker 16: then I gotta know catter with the same company name.
Speaker 16: So I've been a little research and it's the company's
Speaker 16: name is like air Grammatic Press and LLC. I don't know,
Speaker 16: it's yeah, and I G M A T I C
Speaker 16: Cress And so they the Secretary of State's office and
Speaker 16: it has my address too on the secretary the secretary.
Speaker 7: Wait, wait minute, so someone filed someone filed the corporation
Speaker 7: using your address.
Speaker 2: Yes, but they didn't actually use your name.
Speaker 16: Is that right, that's right? Yeah, Okay.
Speaker 7: The only reason I can think of, and I've seen
Speaker 7: this happen before, is they don't have a legitimate address
Speaker 7: of their own, and they can't make one up because
Speaker 7: they can tell on those forms, they can tell if
Speaker 7: it's a real address or not. So they used your address.
Speaker 17: Heyun simple, Tom, I got some insights into this you
Speaker 17: might be interested in.
Speaker 7: Wait, wait, wait, what did the letter say though? Yeah,
Speaker 7: that's a good point, doc. And then and then d
Speaker 7: you wanted to say, First of all, Jeremy, what did
Speaker 7: the letter say.
Speaker 16: I haven't opened any of the letters. I set the
Speaker 16: I R S letter back, But oh you never opened
Speaker 16: any of them.
Speaker 2: No, okay, where were you gonna say? D? Were you
Speaker 2: the one saying something D?
Speaker 8: Yeah?
Speaker 17: Hey, Tom, We had a call identical to this one
Speaker 17: about three months ago. This dude from Denver called because
Speaker 17: he said somebody filed the same paperwork with sex state office.
Speaker 17: And I looked it up and in that guy's case,
Speaker 17: it was somebody in China filing this paperwork. So while
Speaker 17: you were on the phone with this gentleman, I looked
Speaker 17: up this Crescent and to CRESCENTELLC that's supposedly located in Trinidad,
Speaker 17: and this somebody named j Lee from xing xiang Han Su,
Speaker 17: China filed this paperwork with a Secretary of State's office.
Speaker 17: So it's the same scam. They're setting up fake corporations
Speaker 17: here in Colorado. Now, the caller that I saw, why,
Speaker 17: well we never figured that out.
Speaker 2: But the caller I spoke with about.
Speaker 17: Three months ago said that he actually spoke with the
Speaker 17: second car to Secretary of State's office and they told
Speaker 17: and they recognized that is some kind of a scam.
Speaker 17: They didn't explain to him what the scam was. But
Speaker 17: they told him that they're going to remove that registration
Speaker 17: from their system. He said it will take several months
Speaker 17: to do it, but they're going to remove it now the.
Speaker 7: Previous Yeah, and I was going to ask another thing. Yeah,
Speaker 7: I was going to ask another thing, Jeremy, what difference
Speaker 7: does it make? I can't tell you how many I
Speaker 7: get so many letters here to the house that aren't mine,
Speaker 7: and I just ignore them one time, you know, Yeah,
Speaker 7: I know I wouldn't let it.
Speaker 18: You know it's not yours.
Speaker 17: No, But I think Jeremy needs to make a record
Speaker 17: with both the I R S and the Secretary of
Speaker 17: State office that he has no idea who these people are.
Speaker 17: It's a false registration because who knows what the scam is.
Speaker 17: Maybe they're going to try to get a title to
Speaker 17: his house. Maybe they're applying for some kind of refunds
Speaker 17: from the I R S. And those guys are going
Speaker 17: to start showing up looking for their money. So as
Speaker 17: long as you have a record who knows you, I
Speaker 17: think he'll be safe. Hey, Jeremy, I want to ask
Speaker 17: you something.
Speaker 7: You never open them up, but you know it's to
Speaker 7: this one business, right that's the business name being used
Speaker 7: with your address, you know, Deputy d that happened to me,
Speaker 7: honest to God, just what he's saying.
Speaker 2: And I ignore them.
Speaker 7: And there was a business name on there, and in.
Speaker 6: Fact it was from the IRS.
Speaker 7: It had the business name and my address on there,
Speaker 7: but it wasn't my business or any of my businesses,
Speaker 7: and it was uh and and I ignored it. And
Speaker 7: I must have gotten over the past few months. I'll
Speaker 7: bet you I've gotten three different ones.
Speaker 2: Yeah, look it up. Look it up.
Speaker 17: Maybe it's somebody from China doing this, and start opening
Speaker 17: those letters. I'd be interested in seeing what the scam
Speaker 17: really is. And by the way, it's not a good
Speaker 17: idea to have your mailing address flagged as for fraudulent
Speaker 17: purposes at the IRS.
Speaker 16: All right, okay, Well I went on to a Secretary
Speaker 16: of State's office and there's a farm you could fill
Speaker 16: out if somebody's using you know, your name or your address.
Speaker 16: What's that? Filled it out, and they said they poured
Speaker 16: it to the Turnity General Office so that they were
Speaker 16: going to do an investigation. I was just worried, like
Speaker 16: you were saying, if they were going to try to
Speaker 16: come up my house or something or an autumn.
Speaker 2: No, they can't do anything to you.
Speaker 7: Personally, I wouldn't worry about it, but I would probably
Speaker 7: definitely send them back, or as d said, make a
Speaker 7: record of a somewhere that you're complaining about it. Hold
Speaker 7: on a second and we'll come back for a lot more.
Speaker 7: I'm Tom Martino three three seven to one to three talk.
Speaker 7: Let me just say this, Frank durand the real estate man.
Speaker 7: We'll do market valuations of your home. If you're curious
Speaker 7: what it will sell for in this market, what the
Speaker 7: comps are looking like, what the competition is, how long
Speaker 7: it'll take to sell, and what you'll get. Frank Duran
Speaker 7: will do that analysis free of charge, with no obligation.
Speaker 7: Three oh three nine two zero sixteen twenty two. Go
Speaker 7: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 7: You don't pay a cent until you're content. Time for
Speaker 7: an insurance check up, free, no obligation. In comparison, call
Speaker 7: Compass Insurance paying too much your coverage at dozens of
Speaker 7: insurance companies. Find out now three oh three seven seven
Speaker 7: to one help. You'll think you're his only customer when
Speaker 7: you choose Frank durand the real estate Man dot Com
Speaker 7: to list your home with Remax Alliance three all three
Speaker 7: nine two zero sixteen twenty two. Hi, Hi Tom Martino,
Speaker 7: your troubleshooter three O three seven one three talk seven
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Speaker 2: All right, now.
Speaker 6: Let's talk and let's see what we can do for you.
Speaker 2: All right, we have Drew.
Speaker 7: Now, Mark, I'm gonna ask you to be on your
Speaker 7: best behavior.
Speaker 2: Are you there?
Speaker 1: Mark?
Speaker 8: Yeah?
Speaker 2: What do you mean?
Speaker 1: Uh?
Speaker 7: You'll know what I mean. I need you to be
Speaker 7: on your best behavior. Can you do that? Because I
Speaker 7: think this could be serious.
Speaker 2: Is this the guy that you banned from the show?
Speaker 7: No, listen, I didn't ban him from the show, okay,
Speaker 7: argue with that. I stopped taking his calls when he
Speaker 7: was cursing us and praying for our demise. He was
Speaker 7: very upset with us because I didn't think he had
Speaker 7: a case and I didn't think he was going about
Speaker 7: his the right way. But I will never deny people
Speaker 7: help if they have another issue. And again I couldn't
Speaker 7: help him with his personal injury thing or his uh,
Speaker 7: you know, raising money and stuff, but this one seemed
Speaker 7: a little weird, and I thought we need to explore this.
Speaker 7: He said that this pharmacist was giving him really bad advice.
Speaker 7: And as I remember, Drew, you said, it was not
Speaker 7: a prescribed It was not a prescription med right, It
Speaker 7: was just a race over the counterman.
Speaker 6: Is that right?
Speaker 19: That's correct?
Speaker 6: Counter man?
Speaker 2: Pardon what's that sir?
Speaker 19: I never cursed you guys out?
Speaker 7: No, no, no, I never said you cursed this out.
Speaker 7: I said you were praying a curse against us, Drew, Okay,
Speaker 7: I don't want to get into it right now.
Speaker 6: Let's talk about this particular.
Speaker 7: Call, because what was the what was the drug that
Speaker 7: he told you to misuse?
Speaker 8: Uh?
Speaker 19: There were two different drugs and he gave uh four
Speaker 19: different wrong malpracticing and structs. And the main thing is
Speaker 19: his supervisors said it was malpractice when he did. Because
Speaker 19: he never told me he was doing it, I couldn't
Speaker 19: read the fine print, so I trusted him, and he
Speaker 19: was overdosing me on stimulants. Because it last Sunday, eight
Speaker 19: days ago, I was straining for nine hours for the
Speaker 19: poison control center told me if.
Speaker 7: You take now, wait, what do you mean you were straining?
Speaker 7: What were you straining? You mean like to go poop?
Speaker 2: Yes, okay, you were straining.
Speaker 7: Yes, And what I need to know is what you're
Speaker 7: talking about, though, what how did he have anything to
Speaker 7: do with that because he gave you the wrong laxative.
Speaker 19: No, he gave me the correct laxative. But on the
Speaker 19: bottles there are instructions. For example, one of them says
Speaker 19: take only once a day. He told me take it
Speaker 19: twice a day. I didn't know it was wrong. Then
Speaker 19: the bottle says take it only seven days maximum, then
Speaker 19: you go see a doctor. He told me take it
Speaker 19: forever and don't go see the doctor. So I did
Speaker 19: not know. And then last Sunday, after taking the laxative,
Speaker 19: two hours later, he told me to take the stimulant,
Speaker 19: and a point of control center explained to me that's
Speaker 19: poisoned because the second stimulant, he's pushing the extretion forward
Speaker 19: up to twenty four hours, so you're constantly may.
Speaker 7: I ask Drew what you're talking about when you say stimulant, what.
Speaker 2: Do you mean?
Speaker 19: Well, I'm not an extract, but from when I know
Speaker 19: it makes you go number two. So I had two
Speaker 19: things pushing forward excreation out of my system constantly. So
Speaker 19: when I strained to get the first one out, the
Speaker 19: second one came forward. When I got the second one out,
Speaker 19: the third one came forward, and the fourth.
Speaker 7: Okay, but it solved your problem of constipation, right.
Speaker 19: Not really, because every ten minutes I was getting constipated again.
Speaker 19: It kept push.
Speaker 2: Okay, Then, what the heck? I need to know this?
Speaker 7: What was the end result? Right now we're talking to you.
Speaker 7: Thank goodness, you didn't kill you. What was the end
Speaker 7: result you finally stopped taking it? What was the end result?
Speaker 19: The end result is I might die. I cannot go
Speaker 19: number two anymore. I have to go to the emergency
Speaker 19: room every other day. I can get a wait Warner
Speaker 19: based laxative, so and it might kill me. That's the end.
Speaker 7: Wait a minute, you're saying all of this is the result.
Speaker 7: How long were you on those those laxatives?
Speaker 19: Probably about ten weeks?
Speaker 7: Oh so you were going to this pharmacist over ten weeks.
Speaker 19: Yes, and he kept giving.
Speaker 2: Me taking his advice.
Speaker 19: Yes, And he was violent.
Speaker 7: And you never read you never read the directions for yourself.
Speaker 19: I couldn't read them, and I tend to trust people,
Speaker 19: so I trusted him that he was telling me the
Speaker 19: right thing. So I never I never read them, and
Speaker 19: I couldn't read it. It's too fine print.
Speaker 14: So when I.
Speaker 19: Collapsed last Sunday, eight days ago, that's when we all
Speaker 19: figured it out. The doctor is the poison control center.
Speaker 19: It took us a few days, but he may have,
Speaker 19: Actually he may have. That's why Day's life warning labels
Speaker 19: are warning, do not take more than seven days, warning,
Speaker 19: do not take.
Speaker 1: More than once.
Speaker 7: Yeah, but normally drew normally to do lifelong harm like that,
Speaker 7: it takes way.
Speaker 6: That's not going to happen in just ten weeks.
Speaker 7: I mean, is are you saying that that, as a
Speaker 7: result of taking these laxatives twice a day and differently
Speaker 7: than the instructions say, by listening to this pharmacist, you
Speaker 7: did permanent harm to.
Speaker 6: Your digestive, to your gi tract.
Speaker 2: Permanent harm.
Speaker 19: That's what they're saying. I can't go number two anymore.
Speaker 7: They're saying in what does that mean you can't What
Speaker 7: does that mean you can't go number two anymore? What
Speaker 7: is exactly does that mean, like, if you eat and
Speaker 7: live a normal life, what will happen?
Speaker 19: Okay, when it comes down to go out, I can't
Speaker 19: get it out. I have to go to the hospital
Speaker 19: every other day and you can't a water based cnema.
Speaker 19: They're giving me water base because there's too much.
Speaker 7: Wait, you have to go every other day because you
Speaker 7: can't just have a normal bowel movement.
Speaker 19: A can a normal doow movement? Can I make a
Speaker 19: suggestion if you're staff, Yeah, call Danny Wegman, who owns
Speaker 19: Wegmans Pharmacy. He's a very nice gentleman. I believe he
Speaker 19: would solve the problem.
Speaker 7: Well, is he going to admit that his pharmacist committed malpractice?
Speaker 19: I don't know, but I'll say that the district manager
Speaker 19: has ordered everybody into silence over there, but it's too late.
Speaker 19: The supervisor already told me that the pharmacists committed malpractice.
Speaker 7: Are you going to try to sue them? Are you
Speaker 7: going to try to sue them?
Speaker 14: No?
Speaker 19: What I'm going to do?
Speaker 6: What is the What do you need from us? What
Speaker 6: were you what was the reason for the call?
Speaker 19: My suggestion is the call Danny Wigman. I met him,
Speaker 19: I prayed with him, he's a good man. I think
Speaker 19: he would set me up with the insurance company to
Speaker 19: at least compensate me fairly, not looking for anything extra.
Speaker 19: I'm not suing anybody. I've even told him that. Well,
Speaker 19: I'm I want to do is being minimally compensated for
Speaker 19: I'm nearly seventy eight years old. This is terrible living
Speaker 19: like this. I can't go number two anymore.
Speaker 7: Well, okay, but I'm not sure that that pharmacist can
Speaker 7: be solely responsible for that. Did a doctor tell you
Speaker 7: why you're having problems with normal bowel movements?
Speaker 19: They think they're starting to examine it enough. They think
Speaker 19: it might be a kidney issue, but that's causing constipation.
Speaker 19: The pharmacist has no right, says right on the bottle,
Speaker 19: any problems, see a physician doesn't say see the pharmacist.
Speaker 19: The pharmacist was giving me wrong information four or five
Speaker 19: different ways. That's wrong, and they never warned me. And
Speaker 19: then I finally collapsed last Sunday after straining for nine hours.
Speaker 19: But that's just my suggestion. I've met Wegman. You're praying together,
Speaker 19: all right, Listen.
Speaker 7: Here's what I have another quick question here now, so
Speaker 7: right now, the way you live right now.
Speaker 6: Every two days you have to go to the er
Speaker 6: to be evacuated.
Speaker 19: Basically, get to clear it out.
Speaker 7: Are you using Is it possible to just listen? This
Speaker 7: is a this is not exactly the best topic for
Speaker 7: talk radio. But have you ever tried just plain old
Speaker 7: stool softeners?
Speaker 19: Yes, the stooler worked a little minimally, minimally, so we've
Speaker 19: tried everything. I've tried.
Speaker 2: We RelA.
Speaker 8: You can give yourself an animate at home, and don't.
Speaker 1: You have the er.
Speaker 19: I'm doing Animuse.
Speaker 7: Listen, man, I don't know what to tell you, Drew.
Speaker 7: I I mean, are you suggesting for the rest of
Speaker 7: your life you're.
Speaker 6: Going to have to go to the emergency room?
Speaker 2: I doubted.
Speaker 19: I don't know, Tom is this is already sad to me?
Speaker 2: What does your primary care doctor say to you.
Speaker 19: He's saying, I've got to get my Chisney's checked out,
Speaker 19: and that's what I'm doing tomorrow.
Speaker 7: Well, like I said, Drew, it might just be a
Speaker 7: series of unfortunate events with your health, and perhaps I listen, Drew,
Speaker 7: You've been calling me for.
Speaker 2: Many, many, many, many, many.
Speaker 7: Many years, and all I'm saying is this, I don't
Speaker 7: know if you're going to have a target here that's
Speaker 7: going to pay, Okay, I'm just gonna put it like that.
Speaker 7: I don't think you're going to find it that easy
Speaker 7: to extract reimbursement from these people. And I don't think
Speaker 7: you're going to find an attorney to take a malpractice
Speaker 7: case based on recommendations a pharmacist made you over the counter.
Speaker 8: Hey, Tom guy something, Yeah, Drew.
Speaker 19: Drew him, Drew.
Speaker 7: You guys, you want to listen to me, Drew Drew,
Speaker 7: just hold on, ONTs that go ahead?
Speaker 9: Why don't all you need to do is go see
Speaker 9: a gas Stow entrologist.
Speaker 8: They will be able to diagnose.
Speaker 19: And already did. He said that.
Speaker 11: My you went to see her.
Speaker 8: You wait, you went to see a gasto entrologist.
Speaker 19: Yes, he said, my blood tests are perfect. He's not
Speaker 19: going to do any other testing. I'm seeing a kidney doctor.
Speaker 19: The kidneys are off a little bit, so the kidneys
Speaker 19: might be malfunctioning. So I'm seeing a kidney doctor tomorrow.
Speaker 19: When I'm asking you, gentlemen, if you could please ask
Speaker 19: Danny Wegman to get involved. He's a good man. I
Speaker 19: meant him my prayer, And what.
Speaker 6: Do you think, why don't you ask him to get involved.
Speaker 19: I don't know his phone number. Corporate doesn't give you
Speaker 19: his phone number. I mess it in the Star and
Speaker 19: we're praying to go.
Speaker 7: So you feel, you feel that if we get a
Speaker 7: hold of Danny Wagman from Wagman's Pharmacy, that he will
Speaker 7: put you in touch with his insurance company to make
Speaker 7: payments to you.
Speaker 19: Yes, minimal. I'm not looking for anything extra. I'm looking
Speaker 19: for a minor compensation for the damon the pharmacist.
Speaker 2: So his insurance company would never pay that, Drew.
Speaker 7: Well, I don't think they're going to voluntarily pay you, Drew.
Speaker 7: They're not going to voluntarily pay you anything. They never
Speaker 7: do ever.
Speaker 19: Well, no, Tom, you said the other case would never
Speaker 19: pay anything. Turn now offering fifty thousand dollars the case
Speaker 19: that you said they were.
Speaker 7: Did you you better take it, Drew, ticket you're talking
Speaker 7: about the one where tailgate.
Speaker 19: No, the second one where I got rear ended. That's minimum, dammit?
Speaker 19: So okay with more? You said it was Nichols and Pennies.
Speaker 19: You're guy there, whatever his name is, hey lying to
Speaker 19: you by My attorney told me they're offering fifty thousand dollars.
Speaker 7: Well, if they're offering fifty, you're gonna get at least
Speaker 7: two thirds of that.
Speaker 6: Why don't you go and do it?
Speaker 19: Yeah, we are doing that. But in the meantime, good
Speaker 19: point is sometimes the insurance companies are reasonable. And if
Speaker 19: you could contact Danny Wagman, you can even give him
Speaker 19: my phone number. Danny and I talked. Well, he said,
Speaker 19: there's any problems, call him. I don't have his phone number,
Speaker 19: so I'm just asking yourself.
Speaker 6: Well, how am I going to get it?
Speaker 14: All?
Speaker 2: Right?
Speaker 6: Hold on?
Speaker 7: Where are they headquartered? Wagman's I got to take a break.
Speaker 7: Hold on three oh three seven one three talk seven
Speaker 7: one three two five. There's a common theme in these calls,
Speaker 7: a common theme, a common theme. We all know what
Speaker 7: it is. We'll talk about it coming back.
Speaker 19: Yeah, I can't go number two anymore.
Speaker 7: Go with a sure thing Denver's Best Roofer, Excel roofing
Speaker 7: dot com. You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free, no obligation. In comparison,
Speaker 7: call Compass insurance paying too much your coverage at dozens
Speaker 7: of insurance companies find out now three oh three, seven
Speaker 7: to seven to one help you'll think you're his only
Speaker 7: customer when you choose Frank durand the real estate Man
Speaker 7: dot com to list your home with Remax Alliance three
Speaker 7: oh three nine two zero sixteen twenty two. I Tom
Speaker 7: Martino here three O three seven one three talk seven
Speaker 7: one three eight two five five. Welcome to the show.
Speaker 7: And CMG Financial does reverse loans. Somebody was asking me
Speaker 7: what is that lender?
Speaker 2: I've been hearing the.
Speaker 6: Advertise about reverse They are doing reverse loans. By the way,
Speaker 6: it's CMG.
Speaker 7: And you can talk to John over there at three
Speaker 7: three eight eight two sixty six seventy nine, partner in
Speaker 7: lending dot com. So King's got a comment onrew Go ahead, King?
Speaker 6: What is your comment? Hello, Yes, sir, go ahead.
Speaker 12: Oh the guys should start getting used to take the
Speaker 12: enemy a warm water with a little bit of minim oil.
Speaker 12: My helping you know?
Speaker 2: Now do you do it?
Speaker 1: Do you?
Speaker 2: Is that what you do?
Speaker 6: King? I never knew this show would resort would go ahead.
Speaker 6: So we're talking enemas. Do you do your own?
Speaker 12: Yeah? Right, I was trained in the army years.
Speaker 2: Ago, trained in the army.
Speaker 6: Do you give yourself an enema?
Speaker 1: Ye?
Speaker 6: Are you crapping off?
Speaker 12: I was trained as a medic.
Speaker 6: And oh, I get it, but you do it to yourself.
Speaker 12: Sure, I'm eighty four years old.
Speaker 16: You know you know.
Speaker 7: That is a problem. I guess if you have a problem.
Speaker 7: But I just look at I. I just have to
Speaker 7: say this and thank you for calling King Drew. I really,
Speaker 7: I know you've been so disappointed with me over the
Speaker 7: years because I tell it like it is. And the
Speaker 7: bottom line is you're always looking for someone to pay
Speaker 7: something to you for doing you wrong. It happens too
Speaker 7: much for any one person to have this. Many people
Speaker 7: do them wrong.
Speaker 2: I mean every time you turn around, there's someone doing
Speaker 2: you wrong.
Speaker 19: I mean, there's New Jersey. This is not Colorado. New Jersey.
Speaker 19: There is massive crime, massive fraud going on. Many people
Speaker 19: are in court every year in New Jersey. It's not Colorado.
Speaker 19: All I'm asking you to do is please please make
Speaker 19: a phone call to Danny Wagman. He'll probably try to
Speaker 19: solve a problem. And as far as doing the animus,
Speaker 19: I thank King for his comments. First, the first color
Speaker 19: accent that I was involved with crippled both of my hands.
Speaker 19: My hands and arms are crippled. I cannot give myself
Speaker 19: an enema I am crippled by federal corner order?
Speaker 3: Are you?
Speaker 6: Drew hold On?
Speaker 7: And you're asking me, well, Danny Wagman a CEO of
Speaker 7: a giant drug company, and say Drew has given bad
Speaker 7: advice to use these stimulants and accidents over a ten
Speaker 7: week period. Now, Drew didn't read the directions himself. He
Speaker 7: relied totally on the pharmacist. And now he believes you
Speaker 7: owe him compensation because he can't go number two without
Speaker 7: going to the emergency room. What do you think Wagman
Speaker 7: is going to say? Oh, sure, how much does he want?
Speaker 20: Come on?
Speaker 6: Going to happen?
Speaker 19: I asked him to be ridiculous, but all that thing
Speaker 19: is to try.
Speaker 6: How much you want?
Speaker 2: Okay, he's going to ask.
Speaker 6: He's going to ask what does he want?
Speaker 19: I have no idea. This just happened. Whatever Danny says,
Speaker 19: I will go along with. He's a good man. I
Speaker 19: met him in the store, we prayed together. You're can
Speaker 19: tell him this. Whatever Danny says, I accept.
Speaker 2: God Mark, I just talked. I just talked to Danny.
Speaker 2: No you didn't, yep. Would you make that? Would you
Speaker 2: make that call?
Speaker 1: Though?
Speaker 16: Uh? No?
Speaker 2: No, he said he will give Drew one Nickel.
Speaker 19: Every time this guy, whatever his name is, he I
Speaker 19: have spent my life protecting people, children and others.
Speaker 13: Drew, every time you called, you walked into a tailgate,
Speaker 13: and you blame the tailgate, and.
Speaker 19: Then we have an engineer report that the only thing
Speaker 19: happened the tailgate was left open up and down on
Speaker 19: the sidewalk. I was nighttime. I was just simply walking.
Speaker 19: The tailgate struck me in ahead. My two arms are tripled.
Speaker 19: There's some medical reports written by neurologis engineer reports with
Speaker 19: this stepany I could tell him when he wanted suit,
Speaker 19: he would say a line. He always says a line.
Speaker 7: Okay, Drew, I don't feel comfortable asking Danny Wagman for
Speaker 7: compensation for this.
Speaker 6: I don't.
Speaker 2: Maybe I can get one of the deputies to call him,
Speaker 2: I think.
Speaker 21: Tom, Deputy Boue, Why don't true, Why don't you send
Speaker 21: a letter registered mail return receipt requested to Danny explain
Speaker 21: what your situation is and that.
Speaker 9: Way he'll have all the information in front of him
Speaker 9: and see if you get a response.
Speaker 6: That might be the way to do it. We got
Speaker 6: to take a break, and I'm Tom Martine Moore coming up.
Speaker 7: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 7: dot com. You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free, no obligation. In comparison,
Speaker 7: call Compass Insurance paying too much your coverage at dozens
Speaker 7: of insurance companies find out now three O three seven
Speaker 7: to seven to one help. You'll think you're his only
Speaker 7: customer when you choose Frank durand the real estate Man
Speaker 7: dot com to list your home with Remax Alliance three
Speaker 7: oh three nine two zero sixteen twenty two. Hi Tom Martine,
Speaker 7: you're troubleshooter Integrat John Jones. I'm so sorry, Johnny that
Speaker 7: it took so long to get to you here, but
Speaker 7: I wanted to ask you real quick. This woman got
Speaker 7: a phone call EVA and they talked her into switching
Speaker 7: her supplement, and she's sorry she did it EVA.
Speaker 6: When did that phone call come in? Roughly?
Speaker 2: Eva? Roughly? When did the phone?
Speaker 10: Okay?
Speaker 2: Was that open enrollment? John?
Speaker 6: Are they allowed to switch her on Saturday?
Speaker 14: So Medicare supplements? Was she on a supplement or an
Speaker 14: advantage plan?
Speaker 2: Advantage?
Speaker 16: John?
Speaker 2: It was sub Oh, it was an advantage.
Speaker 6: I'm sorry, Mark, it's an advantage.
Speaker 14: So there is an advantage open enrollment window which is
Speaker 14: January first to March thirty first. It's a one time
Speaker 14: oh switch to your your Medicare evan. So if if
Speaker 14: you get a Medicare advantage plan during the annual Roman
Speaker 14: period which is October fifteenth December seventh, you still you
Speaker 14: have between January first and March thirty first to change
Speaker 14: it one time if you want to.
Speaker 6: So now wait a minute. So if he slammed her
Speaker 6: into it on a Saturday, last Saturday, can she get
Speaker 6: out of it?
Speaker 14: I would contact the carrier directly and I file a
Speaker 14: formal complaint.
Speaker 7: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 7: dot com. You don't pay a cent until you're content.
Speaker 7: Wait time for an insurance check up free, no obligation.
Speaker 7: In comparison call all Compass Insurance paying too much your
Speaker 7: coverage at dozens of insurance companies find out now three
Speaker 7: all three seven seven one help. You'll think you're his
Speaker 7: only customer when you choose Frank durand the real estate
Speaker 7: Man dot com to list your home with Remax Alliance
Speaker 7: three all three nine two zero sixteen twenty two.
Speaker 1: Yeah, rip.
Speaker 6: Need advice who you don't have.
Speaker 4: Come running just as fast as we can. Shooter's gonna
Speaker 4: help coming man.
Speaker 2: This is the Troubleshooter Show.
Speaker 6: No Tom Martine, Hey Tom Martino, your Troubleshooter three all
Speaker 6: three seven one three talks seven one three A two
Speaker 6: five five. We're here to help you solve problems, answer questions,
Speaker 6: take complaints, and make your life a little easier.
Speaker 2: Thank you for being here.
Speaker 7: We got the whole Crewe Deputy Doc here with me,
Speaker 7: We Nick Fox with renew Home Innovations dot Com, Mark
Speaker 7: Major at his mothership, and then we have of course
Speaker 7: Deputy d and Deputy BO at the station. So we've
Speaker 7: got a lot to talk about today. And let's talk
Speaker 7: to John Jones really quickly.
Speaker 1: Is he still on?
Speaker 6: And he's with Integer Insurance Group.
Speaker 7: They're health insurance brokers and they do on and off
Speaker 7: the exchange, and they do it the wise way. They
Speaker 7: customize these plans for people, or they look for plans
Speaker 7: for people, and they don't put people into plans.
Speaker 6: They put plans for people.
Speaker 7: And so that what they mean is that they really
Speaker 7: really have a great service for helping you find health insurance.
Speaker 6: But what happens when you know you get solicited on
Speaker 6: the phone. This happens a lot.
Speaker 2: John, We're hearing more and more of these.
Speaker 7: Big, high pressure calls trying to get you to switch
Speaker 7: from ab in a supplement over to advantage or to
Speaker 7: try to switch your supplements. I didn't know phone rooms
Speaker 7: were a really big thing, but they are when it
Speaker 7: comes to health insurance.
Speaker 1: Now have you noticed that, Yes, sir, Yeah.
Speaker 14: And I mean there's a certain certainly some advice is
Speaker 14: don't just enter your information into something online. Like a
Speaker 14: lot of people will search online. They think that they're
Speaker 14: checking out connect for Health Colorado, for example, but there's
Speaker 14: a lot of sites that are similar and you and
Speaker 14: you enter that information online and all of a sudden,
Speaker 14: you get a lot of phone calls from a lot
Speaker 14: of these agents who aren't even in the state, who
Speaker 14: aren't selling affordable care, call off and health, and whose
Speaker 14: sales practices are the step to that and dishonest at work.
Speaker 14: In some cases. It is open enrollment for the the
Speaker 14: for Medicare advantage, right, and this is where people can
Speaker 14: change their plan once. So if you got sold a
Speaker 14: Medicare advantage plan in the fall during the annual role
Speaker 14: period and it didn't work for you, or your doctors
Speaker 14: aren't in it, or you've got the wrong plan. You're
Speaker 14: all out to change this one time, but it's just once,
Speaker 14: and so you want to be really careful that you're
Speaker 14: making the right decisions if that's something that you're doing
Speaker 14: during this time. But yeah, certainly there's a lot of
Speaker 14: there's agents out there who are trying to give you
Speaker 14: to change. They're trying to rewrite the business, trying to
Speaker 14: get that that commission.
Speaker 7: Have you ever had people call you and say, John,
Speaker 7: we we mistakingly signed up for someone we don't want them.
Speaker 14: It happens, it does that, but that's during the the
Speaker 14: the annual Roman period right December seventh, and then so yeah,
Speaker 14: we do. We get called during open enrollments saying, hey, hey, Eva,
Speaker 14: how can you help us?
Speaker 2: Eva?
Speaker 7: There's one thing we didn't ask And Deputy Doc brought
Speaker 7: this up during a break.
Speaker 2: What how do you know what you got into is
Speaker 2: not good?
Speaker 7: And now I'm not saying you should keep it, but
Speaker 7: but why do you feel it's automatically bad?
Speaker 10: Well, Tom, the reason is that I got pressured into signing.
Speaker 11: Over the phone and I had asked I first want.
Speaker 10: To receive your information and compare it with what I
Speaker 10: got from company, And somehow I got pressured into signing
Speaker 10: over the phone to even get it, and I was
Speaker 10: looking later that I should have.
Speaker 11: Told them I've called them back after I.
Speaker 10: See what I have so that I could compare it
Speaker 10: with what they are saying that they could give me.
Speaker 10: But I guess I stupidly got pressured into it.
Speaker 2: Well did you ever compare them?
Speaker 10: Well, I can't compare them because she said I won't
Speaker 10: get that written information until after the first and it's
Speaker 10: going to change on the first.
Speaker 2: I bet John knows town John, what's what did you
Speaker 2: have and what do you have now?
Speaker 14: Because the plan's not effectuated yet, I really recommend, because
Speaker 14: the plan is not effectuated, effectuates on the first, so
Speaker 14: the end of this week, I really recommend that you
Speaker 14: do contact Hilton company that you switched to, that the
Speaker 14: other whoever sold you this moved you over to, that
Speaker 14: you contact them you explain, Uh, it was not adequately
Speaker 14: presented to me. I didn't wasn't given the opportunity to
Speaker 14: compare the two plans, the one that I was on
Speaker 14: in this one and file will contact your other health
Speaker 14: in term company that you had and see if they'll
Speaker 14: I can be reinstated because this plan hasn't been effectuated yet.
Speaker 14: That's right, Okay.
Speaker 6: What I'd like to know is this though, what what
Speaker 6: is the new what's the name of the new plan?
Speaker 10: It's United Healthcare.
Speaker 6: The new plan, and what was the old plan?
Speaker 2: John?
Speaker 6: Just out of curiosity, do you know kind of any
Speaker 6: kind of uh?
Speaker 14: And I can't go into benefit over the air.
Speaker 6: You have United.
Speaker 8: He I'm very happy with it.
Speaker 6: You know, we can't assume what she has is bad
Speaker 6: because the guy slammed her on the phone.
Speaker 2: But anyway, Eva, thank you.
Speaker 7: Three oh three seven one three talks seven one three
Speaker 7: eight two five five he he says, if you call
Speaker 7: the underwriter and say, look, we've done this, you know
Speaker 7: I was pressured.
Speaker 6: I don't feel right. I don't want it right, John, Okay.
Speaker 7: Integra Insurance Group and Integrainsurance dot com three oh three
Speaker 7: four sixty six fifty five hundred. We're gonna move on.
Speaker 7: I got a lot happening here today. We also have
Speaker 7: Nick Fox with us with remember Meet the Falkers. This
Speaker 7: is Meet the Fox anyway, Nick Fox. So you can
Speaker 7: see his bathrooms at renew Home Innovations dot Com. But
Speaker 7: their their shower conversions. They're doing some sheet porcelain. Somebody
Speaker 7: wanted to ask, can that sheet porcelain be used as
Speaker 7: backs ashes in the kitchen? Somebody wanted to do something
Speaker 7: really creative with it.
Speaker 15: Absolutely, you can do the entire countertop with.
Speaker 7: Out of the wait wait wait, countertop of course with porcelain. Absolutely,
Speaker 7: so wait a minute, that would look rich man. So
Speaker 7: you put that over like a base, like you would
Speaker 7: even anything, like you know, any kind of wow, thick
Speaker 7: is it?
Speaker 15: Well, it comes in different slab sizes. It can be
Speaker 15: in six am, twelve cm and three cms, so it's
Speaker 15: multiple different sizes of centimeters centimeters.
Speaker 6: Yeah, so would that be like a quarter inch would
Speaker 6: be the thickest?
Speaker 8: No, about a half inch?
Speaker 6: Oh?
Speaker 15: Really, you can even get almost it can almost be
Speaker 15: about the size of an inch.
Speaker 1: Thing.
Speaker 7: And what colors are we talking about? Is I always
Speaker 7: think of porcelain as being white.
Speaker 15: Well, no, there's there's hundreds of different color.
Speaker 7: Are they naturally colored at the quarry or are we
Speaker 7: talking about quarried.
Speaker 2: Colors or made colors?
Speaker 15: They're made, they're made patterns and they're baked into the products,
Speaker 15: so they'll never come out.
Speaker 6: You never have to carry about them. So what kind
Speaker 6: of colors?
Speaker 2: A lot of natural stone, look, okay, a lot of
Speaker 2: natural the.
Speaker 7: Grays and the whites and the beigees and that. Do
Speaker 7: people do any pastels at all?
Speaker 15: There's a lot of pastel that are being created today.
Speaker 15: There's actually some really beautiful blue patterns that are just
Speaker 15: incredible that people are really intrigued with.
Speaker 7: But can you explain to me how porcelain, let's say,
Speaker 7: differs in hardness to like a granite or.
Speaker 6: Something like that.
Speaker 15: So a couple of things about porcelain in general, it's
Speaker 15: a raw material. It can be versatile for all different
Speaker 15: types of projects in the home. It's not absorbent to anything,
Speaker 15: so you don't have to worry about, you know, anything
Speaker 15: being porous. It's resistant to liquids, to acids, thermal shock.
Speaker 6: In fact, you can even get any.
Speaker 7: Not even water spotting. I mean, it's amazing to me.
Speaker 7: It's amazing. Now are toilets when they say porcelain, are
Speaker 7: they really porcelain toilets? Are there? I mean the toilets
Speaker 7: we buy nowadays, if they're not plastic, that that hard
Speaker 7: like white glass, is that a porcelain?
Speaker 6: It is a porcelain.
Speaker 15: It's a porcelainto okay, correct, Yeah, but there's there's so
Speaker 15: many advantages to this product. I mean, it's a very
Speaker 15: hygienic surface. They're using it in hospital because it doesn't
Speaker 15: cling on to germs exactly.
Speaker 6: That's a huge fat. Viruses don't live on it. Yeah,
Speaker 6: you don't need to.
Speaker 15: You don't need to embed it with a microbial an
Speaker 15: antimicrobial product like some of the other products that require it.
Speaker 8: So I have a question, Nick.
Speaker 9: I always thought that porcelain was like a glaze that
Speaker 9: you put over something and then bake it.
Speaker 2: So you say, yeah, that's what I thought too.
Speaker 8: Actually, mine porcelain.
Speaker 2: It's a stone slab. It's a it's a stone.
Speaker 6: That's a slab, and then and they put a coating
Speaker 6: over it. It's baked into the coating. I never knew that. Yeah,
Speaker 6: what does rough porcelain look like?
Speaker 2: I don't I don't have an answer.
Speaker 7: Oh all right, I just wondered what you know like,
Speaker 7: because granted, looks pretty damn ugly before you do anything
Speaker 7: to it. Anyway, So porcelain, as far as it's resiliency,
Speaker 7: you're saying it's one of the most resilient.
Speaker 15: Absolutely, it doesn't. The color doesn't alter, it can handle
Speaker 15: heavy loads, it's.
Speaker 2: Very easy to clean.
Speaker 7: But it costs wise, Is it really expensive compared to
Speaker 7: like if you were to do a shower and put
Speaker 7: granite in there, or put porcelain in there or put
Speaker 7: Do people use quartzite for showers or not?
Speaker 2: Not really?
Speaker 6: I know there's a in today's market. There's acrylic showers.
Speaker 15: Yeah, there's tile showers, which most people aren't utilizing anymore.
Speaker 15: And then there's a lot of blended material products that
Speaker 15: might have a crushed stone with sometimes.
Speaker 7: Okay, all right, yeah, but where's expense goes? Where does
Speaker 7: porcelain sit.
Speaker 6: Mid to top tier?
Speaker 2: Okay?
Speaker 15: But the nice thing about it is because we buy
Speaker 15: it in such a large volume, we're able to get
Speaker 15: really competitive.
Speaker 6: With our prices.
Speaker 15: So don't let the uh, the product fear you from
Speaker 15: even being concerned about the cost, because we're actually really
Speaker 15: competitive with the product.
Speaker 6: I mean, if you're gonna get it, you're saying you
Speaker 6: can make you can make it, right, Yeah, we we can.
Speaker 15: We can be very competitive.
Speaker 7: And also a shower something you're gonna do once, right,
Speaker 7: It's not like you want to cheap out on it.
Speaker 7: You're gonna do it once one hundred percent.
Speaker 15: And you know, I'll tell you what's really If you
Speaker 15: have an interest in a steam shower and this is
Speaker 15: the ideal product for it, Pristeam. Yeah, absolutely, it does not.
Speaker 15: It does not change its effectiveness at all. I mean
Speaker 15: a lot of the products you can't you can't do.
Speaker 14: It with it.
Speaker 7: Mark, I think I I've asked you this before. What's
Speaker 7: that beautiful shower that you have? Is that is that porcelain?
Speaker 2: What is the what are the walls on that?
Speaker 1: Yeah?
Speaker 7: God, it's beautiful. It's oh my god, it's stunning. And
Speaker 7: I when I went in there, I couldn't believe it.
Speaker 2: I mean it's like wow, it really is a wow factor.
Speaker 15: It's the nicest product I've seen on the market.
Speaker 7: Three O three seven one three A two five five.
Speaker 7: We have more coming right up on the Troubleshooter Show.
Speaker 7: And UH want to remind you that uh KH Home Solutions.
Speaker 2: Uh they have.
Speaker 7: All kinds of exterior solutions for your home. They've been
Speaker 7: with me for years. Khwindows dot com. Go with a
Speaker 7: sure thing Denver's Best roofer Excel Roofing dot Com. You
Speaker 7: don't pay a cent until you're content. Time for an
Speaker 7: insurance check up free, no obligation. In comparison, call Compass
Speaker 7: Insurance paying too much your coverage at dozens of insurance
Speaker 7: companies find out now three o three seven to seven
Speaker 7: to one help. You'll think you're his only customer when
Speaker 7: you choose Frank durand the real estate Man dot com
Speaker 7: to list your home with Remax Alliance three oh three
Speaker 7: nine two zero sixteen twenty two.
Speaker 2: Tom Martine here.
Speaker 7: At three oh three seven on three talks seven on
Speaker 7: three eight two five five Montoya wants to talk about Vimeo.
Speaker 2: Is it the video service Vimeo or is it Venmo?
Speaker 2: I think it's Vimeo, right, Yes, that's correct, Tom.
Speaker 3: Vimeo similar to YouTube, a different company altogether.
Speaker 7: Yeah, And Vimeo is seems to give be geared more
Speaker 7: toward companies and stuff in my opinion.
Speaker 6: But anyway, what's going on with Vimeo?
Speaker 16: Well, Vimeo.
Speaker 3: Similar to YouTube. They allow users the upload videos of anything.
Speaker 3: And I was just googling online and I found a
Speaker 3: video of someone that I knew who made an off
Speaker 3: color remark about my mother, and my mother's been dissed.
Speaker 3: What studying eighteen?
Speaker 7: Now, wait a minute, Montoya, hold on his se hold
Speaker 7: on his sec This is weird. So you happen to
Speaker 7: be on Vimeo and you were browsing Vimeo.
Speaker 3: No, I was browsing Google, just typing in people's names,
Speaker 3: just to see what's out there, because these people have
Speaker 3: been doing things.
Speaker 2: Okay, got it?
Speaker 7: And when you okay, So when you are Vimeo, excuse me,
Speaker 7: when you are googling names, you put your mom's name
Speaker 7: in there.
Speaker 3: No, I put my aunt's name, and I found out
Speaker 3: that she died.
Speaker 6: And what happened when you put happened when you put
Speaker 6: your aunt's name in there?
Speaker 3: I found a whole lot of returns of a legacy
Speaker 3: page saying that she died. And then three or four
Speaker 3: lines down, I find this online funeral of her service
Speaker 3: that was live stream but recorded and kept up on
Speaker 3: the Vimeo site.
Speaker 7: Now, let me ask you this, Montoya. So your anne
Speaker 7: did die when you all right, she had died.
Speaker 3: She had died several weeks in the past, but there was, okay,
Speaker 3: this recorded one hour service which they called But why.
Speaker 7: Why did you I'm just curious. Why did you google
Speaker 7: your deceased aunt's name. I'm just curious.
Speaker 3: I I had had legal problems with this aunt and
Speaker 3: I didn't know that she died yet. I just want
Speaker 3: to see where they were at if they were going
Speaker 3: to try something else. So this is my way, whether
Speaker 3: checking out social media page.
Speaker 2: But that's how you found out she died. That's how
Speaker 2: you found out she died.
Speaker 7: It was online, yes, because none of the family communicates
Speaker 7: to me anymore. Okay, so you found she had recently
Speaker 7: passed away, and then there was some kind of video
Speaker 7: on Vimeo of her service.
Speaker 3: Yes, there's a company that all they do is upload
Speaker 3: funeral services onto sites like Vimeo, and their profile on Vimeo.
Speaker 2: There really are they hired? Are they hired to do it?
Speaker 3: Yes, they are hired to do it based off their
Speaker 3: website when I.
Speaker 7: Did the okay, so someone must have hired this company
Speaker 7: to film your aunt's memorial and it was uploaded to Vimeo.
Speaker 3: That's correct.
Speaker 6: And what happened then, well.
Speaker 3: I looked at the service and forty five minutes and
Speaker 3: there's this niece of my mother's getting up on stage
Speaker 3: saying that on behalf of all the nieces and nephews,
Speaker 3: I've been tasked to speak on behalf of this deceased game.
Speaker 3: Now that's the frauduct problem. I wasn't consulted, so for
Speaker 3: her to say that she spoke to everyone and got
Speaker 3: conceers was a false statement.
Speaker 6: Second, well I understand that, but no one I understand.
Speaker 7: It's just like when people are at a town hall
Speaker 7: and they say, well, I speak from my neighborhood.
Speaker 2: And but anyway, so what happened This woman or this.
Speaker 6: Cousin of yours is up there speaking at your aunt's
Speaker 6: memorial and it's on vimeo.
Speaker 2: Then what.
Speaker 3: Then she gets to going through a list of all
Speaker 3: the ants that passed them, who has passed away, and
Speaker 3: all the ants that's still living. So she's kind of
Speaker 3: given a summary of what these ants are like.
Speaker 7: And the first now is this niece? Was this the
Speaker 7: daughter of the deceased ant? Or was this just some cousin?
Speaker 3: This was just some cousin.
Speaker 7: So a random cousin is up there speaking about the family.
Speaker 2: Yes, yeah, and she mentioned your mom.
Speaker 3: Yes she made a crack, which once I tell you
Speaker 3: what you what she said, it will sound like opinion.
Speaker 3: But when you hear the back history of it, you
Speaker 3: will understand, or I should say, I hope you and
Speaker 3: your audience will understand. It was more sinister than that.
Speaker 2: But if she's not alive. What does it matter?
Speaker 3: Once you hear the back history, I would hope you understood.
Speaker 7: Okay, Yeah, that's what I want to hear. But Montoya,
Speaker 7: hold on a second. I'll come right back to you.
Speaker 7: This is a very strange call, but very interesting as well,
Speaker 7: because there are certain laws and there are certain.
Speaker 6: Laws regarding the dead, the deceased, and there are certain.
Speaker 7: Laws about those they left behind as well as to
Speaker 7: whether they have actions on anything like this. We'll talk
Speaker 7: about that and more coming up on The Troubleshooter Show.
Speaker 7: Three oh three seven one, three eight two five five.
Speaker 7: Don't forget Compass Insurance Group for insan insurance checkups to
Speaker 7: make sure you're not under insured or you're not paying
Speaker 7: too much for insurance. They'll do a complete honest check.
Speaker 7: Three oh three nine nine to six nine thousand. Go
Speaker 7: with a sure thing Denver's Best Roofer Excel roofing dot com.
Speaker 7: You don't pay a cent until you're content. Time for
Speaker 7: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 7: Insurance paying too much your coverage at dozens of insurance
Speaker 7: companies find out now three oh three seven seven to
Speaker 7: one help you'll think you're his only customer when you
Speaker 7: choose Frank durand the real estate man dot Com to
Speaker 7: list your home with Remax Alliance three oh three nine
Speaker 7: two zero sixteen twenty two. Hi Tom Martino here three
Speaker 7: O three seven one three talks seven one three eight
Speaker 7: two five five.
Speaker 2: So we're here helping you.
Speaker 7: Uh. If you have a problem, questioner, complain, give us
Speaker 7: a call. We have Montoya Montoya said he was watching
Speaker 7: he basically was doing some searching on Google and found
Speaker 7: a vimeo a video basically, and the vimeo video was
Speaker 7: a funeral service of his aunt, and some cousin was
Speaker 7: up there talking about the family, and apparently, I think
Speaker 7: he's going to get to this. The cousin made some
Speaker 7: disparaging remarks about your mom.
Speaker 1: Is that right?
Speaker 3: She made some remarks, Montoya, can you hear me?
Speaker 16: Yes?
Speaker 2: I can.
Speaker 6: What did you say about your mom?
Speaker 3: Well, she started off staying, we're blessed to have our
Speaker 3: no nonsense aunt aunt Selma, which is my mother, which
Speaker 3: immediately people started laughing in the background. Then she went
Speaker 3: on to other aunts, saying ump and circumstance aunt, the
Speaker 3: other aunt, if someone is a safe place that she's
Speaker 3: always a safe place to go to. Every aunt had
Speaker 3: something positive except my mother by the same person who
Speaker 3: wrote my mother a letter while she was dying and
Speaker 3: blasted her for not speaking to her, blasted her over
Speaker 3: the phone. Same person at that funeral told her the
Speaker 3: next time I want your opinion, I'll tell you about it.
Speaker 3: Exclamation points.
Speaker 7: Okay, now here's what I need to know, Montoya. Hold on, Montoya,
Speaker 7: I need to know this. What remarks were made about
Speaker 7: your mother about the.
Speaker 3: No nonsense act?
Speaker 2: Well, what does that?
Speaker 6: Why is that an insult?
Speaker 3: That's an insult based on those prior actions that happened
Speaker 3: while my mother was dying. That the same niece told
Speaker 3: her about you can't.
Speaker 7: Have ita makes no That makes no sense to me.
Speaker 7: And I'm listening to every word you're saying. She to
Speaker 7: the sum total of the remarks that people would have
Speaker 7: gotten in the audience, the sum total of all the remarks,
Speaker 7: not knowing the previous emails or previous conversations or whatever,
Speaker 7: was that your mom was a no nonsense aunt.
Speaker 6: Is that right?
Speaker 16: Not entirely.
Speaker 3: I communicated to the family of.
Speaker 2: No no Montoya.
Speaker 7: I'm gonna Montoya, I'm gonna have to keep you focused
Speaker 7: and here's why, Because you're looking at this from background
Speaker 7: information that you have. I'm looking at this as someone
Speaker 7: who is in the audience what they would walk away
Speaker 7: with about your mom, because that's all that counts. It
Speaker 7: doesn't matter what the behind the story is. It doesn't
Speaker 7: matter how you personally took it. It doesn't matter how
Speaker 7: your mom would have taken it. What matters is what
Speaker 7: was said publicly about your mother, and all I hear
Speaker 7: so far is that she was the.
Speaker 2: No nonsense aunt.
Speaker 16: That's correct.
Speaker 6: Well, there's nothing actionable there.
Speaker 3: Well, based off of VIMEOS terms and conditions, there's a
Speaker 3: clause about which I'm I'm looking at on my screen
Speaker 3: about what defamation is. I know you mentioned before about
Speaker 3: dead people. That's not in there in their terms and conditions.
Speaker 3: I'm reading it right now on my screen.
Speaker 7: Well okay, but but Montoya, Montoya man, you sound intelligent.
Speaker 2: Let let me let me just talk to you.
Speaker 1: Really.
Speaker 6: I know you're upset about your mother, but let me
Speaker 6: explain something to you.
Speaker 2: You're telling me.
Speaker 7: That because a cousin at a funeral service said that
Speaker 7: your mom was a no nonsense aunt, that she defamed
Speaker 7: your mother.
Speaker 6: Is that what you're saying.
Speaker 3: Well, if I, if I, if I speak about the past,
Speaker 3: you're going to suggest I need to be focused.
Speaker 7: So no, I know what I'm saying, Montoya is it
Speaker 7: doesn't matter about the past. If I knew, for example,
Speaker 7: someone had a questionable past, and if I accuse them
Speaker 7: one time as being a child molestor Okay, let's just
Speaker 7: say I had an uncle and I put an email
Speaker 7: to my uncle, You're a dirty child molester.
Speaker 6: Okay. Then at the uncle's funeral, I get up and say,
Speaker 6: you know what, my uncle.
Speaker 2: I never liked the guy.
Speaker 7: I never trusted him, or he was a no nonsense uncle,
Speaker 7: or you know that uncle, I would never trust him
Speaker 7: alone with anybody. If I said any of those things
Speaker 7: that the people did not have were not privy to
Speaker 7: the previous comments or emails, there would be no connective tissue.
Speaker 7: There would be nothing defamatory. I'm just telling you that
Speaker 7: you're connecting dots that the public would not connect. You
Speaker 7: are personally you are personally insulted, even with the people. Lontoa,
Speaker 7: that's right. If she went up and said, you know, Anthelma,
Speaker 7: I never liked her. She was a no nonsense anne.
Speaker 6: She was unfriendly and I never got along with her,
Speaker 6: and everyone laughed and said, yeah, yeah, that's not defamation.
Speaker 7: That's opinion. I don't even know what Montoya. You have
Speaker 7: the weakest case you were defamation. You have the weakest
Speaker 7: case for defamation I have ever heard in my entire life.
Speaker 7: And the fact that they violated Vimeo terms, let's say
Speaker 7: they did. Let's say, for argument's sake, they have violated
Speaker 7: Vimeo terms one hundred percent. That doesn't give you an action,
Speaker 7: that gives Vimeo an action, or it gives you maybe
Speaker 7: the action to request.
Speaker 6: That they remove it.
Speaker 7: I think you're overthinking this thing, man. I'm not trying
Speaker 7: to disrespect.
Speaker 2: You or your mother. You're overthinking it.
Speaker 6: I don't think anyone will ever even stumble on the
Speaker 6: damn thing, And if they do, they're going to go
Speaker 6: through the comments. You think they're actually gonna listen to
Speaker 6: somebody giving a eulogy at a funeral and then.
Speaker 2: Pick out the part about your mom.
Speaker 6: Think of it, really, Montoya, from a common sense standpoint,
Speaker 6: do you really believe that you have anything actionable?
Speaker 2: Really?
Speaker 6: I'm not asking if you're not pissed off.
Speaker 7: You see, you can be pissed off, you can be insulted,
Speaker 7: but that's not the same as defamation.
Speaker 3: I only came up with that reasoning based on what
Speaker 3: is in Vimeo's definition.
Speaker 6: Read what it says in Vimeo.
Speaker 2: What does this say?
Speaker 3: We do not allow content that makes provable false statements
Speaker 3: of fact about a person, regardless of their private or
Speaker 3: public status, that would harm their reputation.
Speaker 2: Now tell me what is cruel?
Speaker 20: Tell me what is cruel or untrue about someone saying
Speaker 20: that Thelma was a no nonsense aunt.
Speaker 2: What's cruel about that?
Speaker 3: Well, the document doesn't say cruel, It just said provable
Speaker 3: false statements.
Speaker 2: Oh oh, I'm saying provable.
Speaker 6: I'm sorry.
Speaker 7: So you're saying that your mother was not no nonsense,
Speaker 7: your mother was all about nonsense?
Speaker 2: What are you actually saying?
Speaker 3: What I'm actually saying is this niece got up there
Speaker 3: made a comment opinion about my mother without giving full
Speaker 3: disclosure of what she said to my mother.
Speaker 7: She doesn't have to Montoya. You called me for advice,
Speaker 7: she doesn't have to get full disclosure. There is nothing
Speaker 7: actionable there. Okay, I'm sorry. You are really wasting a
Speaker 7: lot of time, and what you ought to do is
Speaker 7: get over the grief of losing your mother, because that's
Speaker 7: what this is That's what this is.
Speaker 2: This is unspent love.
Speaker 6: This is grief.
Speaker 2: That's what it is.
Speaker 6: And you don't know where to direct it right now.
Speaker 6: And I feel very bad for you, I really do,
Speaker 6: because I can tell you love your mother. I loved
Speaker 6: my mother. I can tell.
Speaker 7: And you don't want anything said bad. You don't want
Speaker 7: anything that would reflect on her in a negative way.
Speaker 7: But you're barking up the wrong tree. You're really picking
Speaker 7: a fight that doesn't need to be picked. It's something
Speaker 7: that is a nothing burger, literally, and I'm telling.
Speaker 2: You that out of love.
Speaker 6: To move on.
Speaker 2: We have more coming up.
Speaker 7: Go with a sure thing Denver's Best roof Excel roofing
Speaker 7: dot com. You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free, no obligation. In comparison,
Speaker 7: call Compass Insurance paying too much your coverage at dozens
Speaker 7: of insurance companies find out now three oh three seven
Speaker 7: seven to one help. You'll think you're his only customer
Speaker 7: when you choose Frank durand the real estate Man dot
Speaker 7: com to list your home with Remax Alliance three oh
Speaker 7: three nine two zero sixteen twenty two. Hi Tom Martine
Speaker 7: here three O three seven one three talk seven one
Speaker 7: three A two five five, Uh, real quick, here a
Speaker 7: renew home Innovations dot com.
Speaker 6: They want to know somebody wants to know to get
Speaker 6: a bid?
Speaker 2: Do you how do you do it that?
Speaker 7: That was basically their question, how do they get a
Speaker 7: bid on the on the shower with the porcelain?
Speaker 15: Pretty straightforward. They could just call the office and do
Speaker 15: you have to go out there to do it? You
Speaker 15: definitely need to call yeah and do it. But we
Speaker 15: do have a pretty good promotion going on right now
Speaker 15: with if you purchase a shower, we give you a
Speaker 15: free matching vanity countertop really of the porcelain, of the porcelain,
Speaker 15: absolutely really yeah, it's gone over really well.
Speaker 6: So you get the shower and they get the vanity.
Speaker 7: Yep, okay, and that's all included, all included three oh
Speaker 7: three nine zero four two thousand three oh three nine
Speaker 7: zero four two zero zero zero and it's renew home
Speaker 7: Innovations dot com.
Speaker 6: Do you still have that? Do you still have that
Speaker 6: incredible deal? With these seventy two months, we.
Speaker 2: Haven't been running it for a while, but we do
Speaker 2: have twelve months no payments. Oh that's good.
Speaker 7: Twelve months, no payments, yes, no interest, no interest? Okay, Sean,
Speaker 7: what's going on with you? Sean, what's happening?
Speaker 18: Tom wins stigma call?
Speaker 2: What's happening?
Speaker 18: I'm centurllily is driving me nuts. I've I've I've switched
Speaker 18: my service to Comcasts for my business, internet and phone,
Speaker 18: and they keep I've called them multiple times while I
Speaker 18: ever gets the chat because you sit on hold for
Speaker 18: hours and uh, I know it's terrible.
Speaker 2: So what's the issue.
Speaker 18: Well, they keep they keep saying, yeah, you're closed, it's
Speaker 18: you're you're you know, you don't have any anything with us.
Speaker 18: And then every month I'm getting a bill announce up
Speaker 18: to five hundred and eighty bucks.
Speaker 7: Again five hundred Wait wait wait wait, when when did
Speaker 7: the bill did it? Did this bill come years ago
Speaker 7: or weeks ago or suddenly show up or how did
Speaker 7: it happen?
Speaker 18: I canceled service like in November, and okay, from November
Speaker 18: to now?
Speaker 14: Is the billing on it?
Speaker 7: So when you canceled in November? Yeah, when you canceled,
Speaker 7: did you owe anything?
Speaker 1: No?
Speaker 18: I paid, well, I did ow and I paid the fine.
Speaker 18: What I thought was the final bill?
Speaker 2: And then and it was was it for cell service.
Speaker 2: Was it for sale?
Speaker 18: It's the it's business internet and the phone.
Speaker 2: A broadband. Yeah, okay, did you return the modem?
Speaker 3: They said?
Speaker 18: The guy came out here. It's a long stort, but no,
Speaker 18: I didn't return the modem. But what they're charging me for,
Speaker 18: mark is is for the service. They keep saying that
Speaker 18: I'm still hooked up in. They're providing me the internet
Speaker 18: service and phone service even though the numbers are transferred
Speaker 18: to comcasts since last year.
Speaker 7: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 7: dot com. You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free, no obligation. In comparison,
Speaker 7: call Compass Insurance paying too much your coverage at dozens
Speaker 7: of insurance companies. Find out now three O three seven
Speaker 7: seven to one help. You'll think you're his only customer
Speaker 7: when you choose Frank durand the real estate Man dot
Speaker 7: com to list your home with Remax Alliance three oh
Speaker 7: three nine two zero sixteen twenty two.
Speaker 1: Yeah, ripped of.
Speaker 2: New need advice, so you don't have.
Speaker 3: Come running.
Speaker 11: Just as fast as we can.
Speaker 4: Shooter's gonna help.
Speaker 18: Come man.
Speaker 5: This is the troubleshooter show.
Speaker 6: No Tom Martino, Hi, Tom Martino here? Three oh three
Speaker 6: seven one three talk seven one.
Speaker 2: Three eight two five five. How can we help you?
Speaker 2: Whatever we can do, we will do for you.
Speaker 7: So we have one guy in the line wondering what
Speaker 7: to do about his century link issue. We've been talking
Speaker 7: to other people today about all kinds of issues in
Speaker 7: their life, and whatever you have going on in your life,
Speaker 7: you can call us and ask for help, information, give
Speaker 7: us a complaint, just unload. There's a lot happening consumer wise.
Speaker 7: A lot of people are upset in the federal government
Speaker 7: that they.
Speaker 6: Have to justify their jobs, they have to actually go
Speaker 6: to the office and work.
Speaker 2: Can you imagine.
Speaker 7: That there is a government so cruel as to require
Speaker 7: people to show up at the office and actually work.
Speaker 2: I have never seen such a cruelty in my life.
Speaker 6: God bring back Biden.
Speaker 7: Whoever heard of working an honest week and actually showing
Speaker 7: what we've done?
Speaker 6: Okay, here's some texts by the way. Three oh three
Speaker 6: seven one three talks seven one three two five five. Okay, Tom,
Speaker 6: your dude Drew doesn't.
Speaker 2: Seem to be wrapped too tight.
Speaker 7: But I will say this, and I don't want to
Speaker 7: be indelicate here, but I personally know a woman who
Speaker 7: gives themselves a colonic in preparation of that.
Speaker 16: Area.
Speaker 7: Never mind, Okay, thank you for that information. So for
Speaker 7: those listening, we have a caller. Drew calls in from
Speaker 7: time to time. But he's always calling in wanting to
Speaker 7: sue somebody or get money from somebody. Isn't that really it?
Speaker 7: I don't dislike this guy, Drew. I mean he's actually
Speaker 7: become a fixture over the years. I remember when he
Speaker 7: wanted to sue the Jersey or some sports venue he
Speaker 7: wanted to He's been suing people his entire life, suing people,
Speaker 7: That's what he does. I could have sworn it that
Speaker 7: Drew crackpos said he will never call again, or I
Speaker 7: could have sworn and you told him never to call again.
Speaker 2: I'm pretty sure he said he was going to sue
Speaker 2: you for the go fund me. Yes, no he did.
Speaker 7: And then also I remember him saying that he was
Speaker 7: going to curse. Don't you remember he was praying that
Speaker 7: that some curses on us. He really did, I mean
Speaker 7: I had I I deleted the email. Has Drew tried
Speaker 7: possibly becoming a Republican?
Speaker 6: Oh? And he wouldn't be so full of he is
Speaker 6: a Republican never mind.
Speaker 14: M hm.
Speaker 7: Anyway, here's the bottom line. I don't know how this
Speaker 7: man existed in life because he's always has people against
Speaker 7: him in his mind or doing him wrong. He's always
Speaker 7: blaming people for something. It would be very interesting to
Speaker 7: know his life story, man, anyway, three zero three seven
Speaker 7: to one three talk seven one three eight two five five, Tom,
Speaker 7: I look at what's going on with Doge as a positive.
Speaker 7: I work for a very large corporation, and I want
Speaker 7: this company to be successful. When the owner is pulling
Speaker 7: in a big in big bucks, the paychecks that buy
Speaker 7: what I need aren't bouncing. Oh that's good, so he's saying, so,
Speaker 7: why do you think, though, that this new thing with
Speaker 7: I mean, it's amazing the outrage people have over this
Speaker 7: Department of Government efficiency. There was a definition if no
Speaker 7: there is if there was ever if there was there's
Speaker 7: an outrage among let's put it this way, mark among Democrats,
Speaker 7: there's an out There's.
Speaker 13: Very few of them that are that nuts, So give
Speaker 13: them some credit, man, all right. Anyway they make it,
Speaker 13: they make it sound like half the country's in an uproar.
Speaker 13: It's simply not true.
Speaker 7: Oh, speaking of that, you're right, because here's what they
Speaker 7: said in a in a poll. I've seen some polls
Speaker 7: saying that most of Americas does not trust the media
Speaker 7: to report on what's going on accurately, that media is
Speaker 7: no longer trusted. Boy, I can't believe how many texts
Speaker 7: I'm getting from people saying, please no more calls from Drew.
Speaker 2: That last one was really rough.
Speaker 6: About number two. He has to go to the emergency
Speaker 6: room every two days.
Speaker 2: It was unlike any other call I remember.
Speaker 7: Yeah, So, in any case, the bottom line is when
Speaker 7: it comes per people that I call per pec perpetual victims,
Speaker 7: and I truly mean that they are literally perpetual victims.
Speaker 7: They are always looking for someone to blame something on. So,
Speaker 7: by the way, do you know I found a site.
Speaker 7: I love this site where you can put in.
Speaker 2: A gender, you can put in an age, you can
Speaker 2: put in a RaSE, and you.
Speaker 7: Can put in an ethnicity, and it will tell you
Speaker 7: what crimes are committed against you.
Speaker 6: I statistically what for example, let's just okay, let's say
Speaker 6: so it's called sec security dot org.
Speaker 7: And then you gotta go. You gotta drill down resources,
Speaker 7: crime safety index. But like, let's say take a female here,
Speaker 7: I'll send you.
Speaker 2: The link mark.
Speaker 7: I'll send youthn so I'm looking at female. Then let
Speaker 7: me put female there and then.
Speaker 2: Put a age.
Speaker 7: So females, let's say thirty six to fifty five, and
Speaker 7: let's say white, and here are the offenses that most
Speaker 7: affect them. Assaults thirty three percent, larceny and theft twenty
Speaker 7: six percent, destruction or damage of their property thirteen percent,
Speaker 7: fraud offenses twelve percent.
Speaker 6: Is this incredible mark, I'm definitely going to send you.
Speaker 6: I'm definitely sending you the link here.
Speaker 2: I'm going to text it to you. People.
Speaker 6: I should put this up. Wait, I can put it
Speaker 6: up on YouTube right that link?
Speaker 7: Are you?
Speaker 6: Are we allowed to put links up there?
Speaker 2: Because it's a pretty incredible site.
Speaker 7: You put in according to crime statistics, if you put
Speaker 7: in the age and all of that, the gender, it'll
Speaker 7: tell you.
Speaker 6: Here, I'm sending you the link right there there.
Speaker 3: It is.
Speaker 6: It's called twenty twenty three Crime and Safety Index.
Speaker 7: So if you put it in like, for example, let's
Speaker 7: say males and let's say older males seventy six and
Speaker 7: above that are white. Let's just say there, what do
Speaker 7: they have. Okay, Larceny and theft is number one. Thirty
Speaker 7: five percent of older men are robbed, Fraud is seventeen percent,
Speaker 7: destruction of their property fifteen percent, burglary, breaking and entering
Speaker 7: fourteen percent, motor vehicle theft seven percent.
Speaker 2: So what would you think? So I'm trying to find
Speaker 2: the ones.
Speaker 7: Where cyber Let's take people men thirty six to fifty five.
Speaker 7: And I wish you could put in more than just
Speaker 7: white or Native American or black or I.
Speaker 6: Wish you Oh yeah, let's put any that's any So
Speaker 6: here you go.
Speaker 7: Okay, So in this event in males, larceny and theft
Speaker 7: thirty one percent, man assault defenses twenty four Assault and
Speaker 7: larceny seem to be up there, but fraud Mark, are
Speaker 7: you seeing this site? Because I think it's incredible. So
Speaker 7: let's take people eighteen to thirty five males. Again, Number
Speaker 7: one is assault defenses against them or larceny and theft
Speaker 7: against them, destruction of their personal property, motor vehicle thefts
Speaker 7: seven percent. So if you wanted to see what affects you,
Speaker 7: what crime affects you, you can.
Speaker 6: Go to this stupid site. It's wonderful.
Speaker 7: Security dot org Now, as far as crime goes, though,
Speaker 7: how many packages do you think online purchases generate in
Speaker 7: the United States? What would you say? How many packages?
Speaker 7: Have you ever thought about? How many packages a year?
Speaker 1: Ready?
Speaker 6: Twenty two.
Speaker 2: Billion?
Speaker 7: Twenty two billion go to our porches. Hence these findings,
Speaker 7: twelve billion dollars were stolen off of porches last year.
Speaker 7: Do you understand twelve billion dollars in merchandise was stolen
Speaker 7: off of porches.
Speaker 2: In one year.
Speaker 6: That's a billion dollars a month, a billion dollars a month.
Speaker 2: What do you think the highest.
Speaker 6: Porch pirate states are? What do you think the highest mark?
Speaker 6: Give me a guest.
Speaker 7: The highest porch pirate state California. No, Kentucky, Now this
Speaker 7: is I don't I don't even get these.
Speaker 6: Number two North Dakota, number three, Nebraska, number four Iowa.
Speaker 6: I know you were thinking New York, California, me too, No,
Speaker 6: And number five one, two, three, four Alaska.
Speaker 2: Those are the top five Kentucky.
Speaker 7: North Dakota, Nebraska, Iowa, and Alaska.
Speaker 2: One in four.
Speaker 7: People are victimized by porch fires. They're saying it's the
Speaker 7: number one up and coming crime. Nine and ten Americans
Speaker 7: are worried about it, and then who receives more package
Speaker 7: thefts apartment dwellers or single family homes.
Speaker 2: Well, come on, that's easy.
Speaker 7: Apartment dwellers have double the rate of piracy, double the
Speaker 7: rate fourteen percent of MERI of Americans take no precautions to.
Speaker 6: Cut down on porch pirating. What can you do to
Speaker 6: cut down on porch piraty?
Speaker 2: Really?
Speaker 6: What can you do? I mean, there's got to be
Speaker 6: a system soon because it's getting to be.
Speaker 1: Well.
Speaker 7: No, that that doesn't stop it. That just gives you
Speaker 7: a nice recording of it. I mean, that's all you
Speaker 7: see on ring some kind of a lock box that
Speaker 7: works where the package goes in but nothing comes out.
Speaker 7: So is it the kind of lock box where the
Speaker 7: delivery person just drops it in or do they have
Speaker 7: a key.
Speaker 8: Mark.
Speaker 6: We've had people bring new products to us where they
Speaker 6: propose these boxes on the porch that are Yeah.
Speaker 22: That what was dumb though, because you could pick up
Speaker 22: the whole box. Well yeah, but then he was saying
Speaker 22: we were going to bolt it down. Well, I guess
Speaker 22: what's amazing people do that.
Speaker 14: Now.
Speaker 7: Colorado, by the way, is a medium okay, the the
Speaker 7: medium value of stuff stolen in Colorado's eighty seven dollars.
Speaker 2: Yeah, but what are you talking? Just ports pirate?
Speaker 6: Then right, that's it. Everything we're talking about is just
Speaker 6: porch piracy right now.
Speaker 1: Yep.
Speaker 7: And it's just like I said, it's something that do
Speaker 7: people ride around just looking for this?
Speaker 2: What do you think the states are with the least
Speaker 2: that this is amazing to me?
Speaker 7: The least amount of porch pirates Connecticut, Michigan, Utah, Georgia,
Speaker 7: and New Jersey. The least amount. New Jersey is one
Speaker 7: of the lowest in the in the lowest five. We
Speaker 7: got more coming up on The Troubleshooter Show three O
Speaker 7: three seven one three talk seven one three eight two
Speaker 7: five five Lee on your next go with a sure
Speaker 7: thing Denver's best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 7: Time for an insurance check up free no obligation comparison
Speaker 7: call Compass Insurance paying too much your coverage at dozens
Speaker 7: of insurance companies find out now three oh three, seven
Speaker 7: seven to one help. You'll think you're his only customer
Speaker 7: When you choose Frank durand the Real estate Man dot
Speaker 7: com to list your home with Remax Alliance three oh
Speaker 7: three nine two zero sixteen twenty two.
Speaker 6: Hey Tom Mars you know here in three oh three
Speaker 6: seven one three talk terminal three eight two five five Leon,
Speaker 6: what's happening?
Speaker 2: Hello? Leon?
Speaker 1: Bhie? Hello?
Speaker 3: Can you hear me?
Speaker 16: Hey man?
Speaker 6: What's going on?
Speaker 3: Hey?
Speaker 1: All right? I've I've had a little bit of a
Speaker 1: problem with a company called Gemini. They have an apps
Speaker 1: that you can trade in crypto, and I decided in December,
Speaker 1: I wanted, just before Christmas, I'm going to put some
Speaker 1: money into cryptocurrency, specifically, point Leon, How did they?
Speaker 6: How did you get a hold of Gemini?
Speaker 16: All right?
Speaker 1: I went to the Internet and google what's the best
Speaker 1: app to download to get into crypto? And they okay,
Speaker 1: number one advertised on Internet. They had a bunch of
Speaker 1: crypto apps that you can look at, but these guys
Speaker 1: were according to the Google search, they were the best guys. So, okay, understood.
Speaker 1: I had to give them all my info. There's a
Speaker 1: lot of things going into it, and then once you registered,
Speaker 1: you have to put in money into your wallet so
Speaker 1: that you can start trading. And that took a couple
Speaker 1: of days for it to show up in my wallet,
Speaker 1: which it did, and then they froze my account, and.
Speaker 6: It's like, watch why okay, Leon, Leon, yep, how much
Speaker 6: did you put in your.
Speaker 1: Account two thousand dollars.
Speaker 6: And how much crypto were you supposed to get?
Speaker 1: Oh, you open to trade in different kinds of cryptos,
Speaker 1: so you can put in five hundred bucks into bitcoin
Speaker 1: and then do dough. Okay, you can. You can play
Speaker 1: with it, and then once you want to withdraw your money,
Speaker 1: you just click a button and you say out And
Speaker 1: how how.
Speaker 7: How soon did they How soon did they freeze your
Speaker 7: account after you opened it?
Speaker 1: I need it. I haven't been able to buy any crypto,
Speaker 1: so my money is sitting in my Gemini account, in
Speaker 1: that wallet, and it stuck. I can't get it out.
Speaker 1: I can't get into that. But the main thing is
Speaker 1: these guys doesn't respond. There is no way to get
Speaker 1: a hold of these people. I send email, Is it okay?
Speaker 2: So you have no idea, You have no idea why
Speaker 2: this is happening?
Speaker 1: They say, I needed okay. This is what the email
Speaker 1: said that I had to try and get. I had
Speaker 1: to identify myself by taking a picture with my driver's
Speaker 1: license in my hand, with the date of the day
Speaker 1: that I took the picture in my other hand and
Speaker 1: they wanted to see my face clearly, so that I've
Speaker 1: done that twice because I received the email twice and
Speaker 1: I thought, okay, this problem will be solved, and then
Speaker 1: nothing happens. Now this is before Christmas, It's started, and
Speaker 1: every now and then I would go to the customer
Speaker 1: complaint area, send another email and say, hey, guys, my
Speaker 1: accounts stool prosen. Then somebody else will email me back
Speaker 1: after a couple of days and tell me all right,
Speaker 1: we need details of your bank account. And I was
Speaker 1: like why, and I send it, but I blacked out
Speaker 1: everything that could be used by all the stuff that
Speaker 1: they shouldn't have. And then the latest one that I
Speaker 1: got yesterday was they want to see where my wealth
Speaker 1: is coming. I have to approve of the wealth that
Speaker 1: I'm using to buy the crypto, which I still.
Speaker 7: Can wait wait wait, wait, but hold on, hold on.
Speaker 7: What do you mean prove the wealth? It's only two grand?
Speaker 2: What do you have to prove?
Speaker 1: I know, I know they want either bank statements that
Speaker 1: for the last sixty days or they want a slip
Speaker 1: based up anything that can prove where I got the
Speaker 1: money from. How did you fund it, well, I funded
Speaker 1: it through my business that I drew money out to
Speaker 1: pay myself and then paid for that but my salary out.
Speaker 2: No, I mean it was it like an ach Was
Speaker 2: it a wire? How did you fund it?
Speaker 3: Oh?
Speaker 1: Yeah, it was a wire. Yeah, we had to wire
Speaker 1: the money over to them.
Speaker 17: This sounds like an ID theft in progress, like a
Speaker 17: really deep sophisticated ID theft operation.
Speaker 13: I think they think he's laundering money. Gemini's legit long
Speaker 13: as he was really dealing with him.
Speaker 16: Yep.
Speaker 1: Now I haven't even started using that. I went to
Speaker 1: the Better Business Bureau, put a complaint in with them.
Speaker 1: I did everything they wanted, and then I found a
Speaker 1: page on Facebook. Came and I page and everybody is
Speaker 1: complaining like crazy. They are reacting to my to my story,
Speaker 1: and they're putting up their own stories that they have
Speaker 1: the same problem. So the customer service sucks on this company.
Speaker 1: They have no customer service. You can't there's a number
Speaker 1: that you can call, but you will never get an
Speaker 1: answer there. So there's no way to speak to a
Speaker 1: person and try to figure out what else do they need,
Speaker 1: or just get the thing unfrozen. That's as as it is.
Speaker 2: Are I just want to or why don't what have
Speaker 2: you said? Let's just what have you just said? I
Speaker 2: want my money back? Forget it?
Speaker 1: I did. My wife's said a very very well written
Speaker 1: email and she said, hey, guys, we give up. We
Speaker 1: don't want to trade any more crypto, we don't want
Speaker 1: to deal with you.
Speaker 16: Guys.
Speaker 1: Can we just have our money back? But now the
Speaker 1: problem is you have to it into your Gemini account
Speaker 1: to be able to transfer the money back to your
Speaker 1: your bank account, and there's no way. Once I put
Speaker 1: in my log in credentials, the first screen that pops
Speaker 1: up is I can see the two thousands, and then
Speaker 1: immediately it says your account has been frozen.
Speaker 13: God, there apparently is a lot of people with the
Speaker 13: same issue that I'm seeing.
Speaker 2: Really wow, I read it.
Speaker 6: Okay, and I'm okay. So what I mean is it
Speaker 6: a scam or what? Are they just stealing money?
Speaker 1: I think they just don't have the people to listen
Speaker 1: to complaints and react accordingly and fixing stuff, because according
Speaker 1: to the Internet, these guys are legit. They are the
Speaker 1: best guys. They very high on security. So yeah, and
Speaker 1: that's what I was looking for. I didn't want to
Speaker 1: a scamer so I went with the guys that was
Speaker 1: the most most legit that I could find, And how
Speaker 1: else would you be able to trade in crypto? That
Speaker 1: was my thing. I didn't know anything about it, and
Speaker 1: now I'm stuck. I've got two thousand dollars that's stuck
Speaker 1: somewhere and nobody's reacting.
Speaker 6: But but they do give you a path, even though
Speaker 6: it's it's round and about right of what you need
Speaker 6: to do. Didn't you just didn't you follow each step.
Speaker 2: They gave you?
Speaker 1: I did, I did, I did yesterday again, But every
Speaker 1: time they passed up something new, and I would think
Speaker 1: when you register, they got all my info from from
Speaker 1: that registration on the Gemini ad before I even put
Speaker 1: money in, And now they're coming back with all these
Speaker 1: little things and instead of just unfreezing my account. I
Speaker 1: don't know how the operation works. If somebody else has
Speaker 1: to do it and this guy needs to do that
Speaker 1: and the next guy needs to do that.
Speaker 6: Does sound like an elaborate scam?
Speaker 2: Mark?
Speaker 7: Do you think it's an elaborate scamm? Or is it
Speaker 7: too is it too legit to be or too big
Speaker 7: to be not? I mean, I don't know.
Speaker 2: I mean a lot of people seem to use this.
Speaker 2: I don't know it's possible.
Speaker 13: Maybe it's a failing model, but I mean, everything that
Speaker 13: I see about that company, I mean they're legit. I mean,
Speaker 13: but there's a lot of complaints exactly like this. I
Speaker 13: don't understand why they don't use like id ME when
Speaker 13: you've got to like hold up your license next to
Speaker 13: you and something. In the other hand, that's kind of weird.
Speaker 13: I don't know why they don't use something like id ME.
Speaker 1: That's right, there's there's better technology and these guys should
Speaker 1: know about that. I'm pretty sure they iike guys and
Speaker 1: they high tech stuff. So it's just weird, really really weird.
Speaker 2: I'm not sure what we can do though. We're not
Speaker 2: going to be able to we have no contacts there.
Speaker 1: Yeah, you won't be able to get even close to anybody,
Speaker 1: to speak to anybody. It's just impossible. But I just
Speaker 1: wanted to your listeners to just make sure be careful,
Speaker 1: be careful of these guys. I'm still struggling and I'm still.
Speaker 2: For Yeah, but there's got to be away.
Speaker 6: There has got to be a way to get that
Speaker 6: money back.
Speaker 17: Hey, I got a suggestion on how to get their attention,
Speaker 17: so we'll never get through to anybody. But if you
Speaker 17: just sue them in small claims court for your two
Speaker 17: thousand bucks, you're gonna get somebody's attention right away, and
Speaker 17: they're gonna get this.
Speaker 2: Mark, can you.
Speaker 6: But if they don't Mark, don't they have to have
Speaker 6: a registered agent here to.
Speaker 13: Do that, or you'd have to find someone to sue here.
Speaker 13: I'm not sure who. I don't even know if that
Speaker 13: company is based in the US.
Speaker 1: I don't know. They are based in New York, so
Speaker 1: the office is in New York. Definitely US company, all.
Speaker 2: Right, I'll check the Secretary of State's office right now. Yeah,
Speaker 2: or then check.
Speaker 7: Let's check with New York because it would be worth
Speaker 7: it to sue them in New York on a zoom zoom.
Speaker 7: They're still doing zoom in New York anyway. We got
Speaker 7: more coming up on the Troubleshooter Show. Go with a
Speaker 7: sure Thing Denver's Best Roofer Excel Roofing dot com. You
Speaker 7: don't pay a cent until you're content. Time for an
Speaker 7: insurance check up free no obligation comparison call Compass insurance
Speaker 7: paying too much your coverage at dozens of insurance companies
Speaker 7: find out now three oh three seven seven to one.
Speaker 1: Help.
Speaker 7: You'll think you're his only customer when you choose Frank
Speaker 7: durand the real estate man dot com to list your
Speaker 7: home with Remax Alliance three oh three nine two zero
Speaker 7: sixteen twenty two. Hey Tom Martino here three O three
Speaker 7: seven one three talk seven one three eight two five five.
Speaker 2: Welcome to the show.
Speaker 6: Let's talk to you about your problems, questions and complaints.
Speaker 16: Now, this.
Speaker 7: Issue with crypto a lot of people are having, but
Speaker 7: they're also having it with bank accounts, online bank accounts.
Speaker 7: There's been a massive I guess crackdown on fraud, they say,
Speaker 7: and they're flagging accounts where they think there might be
Speaker 7: anything amiss, making people do all kinds of things to
Speaker 7: verify their accounts.
Speaker 2: And Deputy d said you might be able to sue them.
Speaker 6: In small claims court to get their attention.
Speaker 7: See what I love about small claims is that even
Speaker 7: though it's small, they can't ignore it because it becomes
Speaker 7: a real claim. And you put two thousand in there,
Speaker 7: and that's right in within the limits of small claims court.
Speaker 7: Do they actually have a Colorado Regie agent?
Speaker 17: YEAHD Yeah, I just looked them up. So it's that
Speaker 17: typical CT Corporation Services Company or CT Corporation System and
Speaker 17: they're the registered agent in Colorado for Gemini Trust Company,
Speaker 17: and so you can serve them over there on a
Speaker 17: Rapaho Road and Centennial.
Speaker 7: So, Mark, have you ever in all of your small claims,
Speaker 7: have you ever had to serve that corporate I mean
Speaker 7: that registered agent who is a professional registrate agent?
Speaker 14: Yeah?
Speaker 2: Of course.
Speaker 6: And so what do they do do They make sure
Speaker 6: they take service and get it to the right people.
Speaker 2: Yeah, generally you just drop it in their basket. I mean,
Speaker 2: it's straightforward. Oh really, they don't require personal service.
Speaker 13: There's no one there that is a personal service. They
Speaker 13: hire that company to take the service. You walk in,
Speaker 13: you drop it in a basket usually, and then sign
Speaker 13: in and out.
Speaker 7: Oh okay, okay, that's pretty cool. So they must have
Speaker 7: hundreds of companies they represent as a registered agent DEPI
Speaker 7: d How did you find that at the Secretary of State?
Speaker 2: Yeah, I looked up Gemini. Uh what is it called.
Speaker 17: It's called just Gemini Trust Company, LLC. And apparently it's
Speaker 17: owned by those weird Vinkel Voss Twins that's Suede Mark, What.
Speaker 6: Is that all about?
Speaker 2: I heard about that.
Speaker 17: What is so they went into this huge legal battle
Speaker 17: with Mark Zuckerberg a few years ago because they claim,
Speaker 17: according to that lawsuit, they actually invented Facebook, and they
Speaker 17: alleged that Zuckerberg stole.
Speaker 2: The idea and took off with it. There's a whole
Speaker 2: movie about it. Oh, you're right, you're right Mark about
Speaker 2: those twins. Though really I didn't know that's what it
Speaker 2: was about.
Speaker 17: Is that social I don't know what the movie is called, Mark,
Speaker 17: was that movie called?
Speaker 2: I don't it's years ago?
Speaker 1: A social network?
Speaker 2: Oh so so that so nothing all went to where
Speaker 2: they go to school, Harvard. They all went to the
Speaker 2: same school where it started.
Speaker 7: Man, can you imagine? Why did that take I often
Speaker 7: wonder why do some take off and others don't? For example,
Speaker 7: YouTube and Vimeo. I mean, you know, Vimeo never really
Speaker 7: went anywhere. It's pretty big, but not nowhere close to
Speaker 7: YouTube or if you look at other kinds of services,
Speaker 7: I mean there were all kinds of Uh remember what
Speaker 7: was the one vines?
Speaker 2: Well for talk?
Speaker 3: Was it?
Speaker 2: They were short video?
Speaker 1: Yes, just went vines?
Speaker 7: Why did that go by the wayside? And is my
Speaker 7: Space even around anymore?
Speaker 2: Does not exist anymore?
Speaker 14: I think Facebook took it over.
Speaker 6: I mean it literally went away.
Speaker 7: I wonder why things want certain things to make it
Speaker 7: and certain things don't. Now if you talk to young people,
Speaker 7: they think Facebook is antiquated and like, you know, like gone.
Speaker 16: Now.
Speaker 2: I went to MySpace dot com and it's still around.
Speaker 6: It's Facebook.
Speaker 2: I mean it's it's like a music thing now. It's
Speaker 2: nothing to do with what MySpace once was.
Speaker 1: Yeah, it is.
Speaker 6: In fact, it's all music. It seems to be. There
Speaker 6: are some videos and stuff.
Speaker 7: But man, it's amazing to me how many places there
Speaker 7: are though online and competing for you know, audiences, and
Speaker 7: then you have something that just explodes like a TikTok,
Speaker 7: or you have something that it just takes off, and
Speaker 7: that goes the same with apps and with technology like
Speaker 7: Uber and Lyft.
Speaker 6: There were several ride share companies.
Speaker 3: You know.
Speaker 7: Another one that's really doing well is that is it Toro?
Speaker 7: The renting peer to peer car renting that's really taking
Speaker 7: off now where you can rent a car from a
Speaker 7: private owner in a city somewhere and everything is done
Speaker 7: peer to peer.
Speaker 6: It's amazing and it's cheap. Now.
Speaker 7: I did that one time. I rented a car for
Speaker 7: my daughter when hers was being repaired, and it was
Speaker 7: door to door service directly.
Speaker 6: From the owner.
Speaker 2: You pay by credit card and it's really cool. So
Speaker 2: is Leon still on? Leon? You're still there?
Speaker 16: I'm listening.
Speaker 2: Did you hear where to go to serve on the
Speaker 2: small claims Court?
Speaker 3: Yeah? Where do I go?
Speaker 1: Off? Time? I get that done?
Speaker 2: Leon?
Speaker 17: You need to go visit the Colorado Secretary of State
Speaker 17: website and click on business search and put in that
Speaker 17: company name, Gemini Capital, and you'll see a whole bunch
Speaker 17: of filings for that company. Just click on the latest
Speaker 17: one and it tells you who their current registered.
Speaker 7: Registrate agent, and you just go down to Centennial there
Speaker 7: and you serve them.
Speaker 6: And the way you do the small claim.
Speaker 17: Is he can't do it because he's a party to
Speaker 17: the lawsuits, so he's to have somebody else who's eighteen
Speaker 17: or older to go serve.
Speaker 6: Go on, go online, though, you got to go online
Speaker 6: and fill out the application for the or the summons
Speaker 6: for Small Claims Court, and then you have someone else
Speaker 6: serve it down in Centennial and again they have to
Speaker 6: do something.
Speaker 2: If you sue them.
Speaker 7: That's what I would do. I would love for you
Speaker 7: to tell us what happens when you sue them for
Speaker 7: the two grand and just say that they refuse to
Speaker 7: release your money and they have not.
Speaker 6: Helped you with crypto.
Speaker 7: I'd love to see what happens in this case, because
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