The Troubleshooter 9-11-24

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped up new neat advice, so.

Speaker 2 (00:09):
You don't have.

Speaker 3 (00:12):
Come running.

Speaker 2 (00:13):
It's just as fast as you can.

Speaker 1 (00:15):
Shooter's gonna help come man Dix.

Speaker 4 (00:20):
Is the Troubleshooter Show.

Speaker 2 (00:22):
Now, Tom Martino, Hey, Tom Martino here, Welcome to the show.
Three oh three seven one three talk three O three
seven one three eight two five five. I'm still waiting
for uh Mark to connect. I finally figured out how
I can get this guy on the.

Speaker 4 (00:40):
Year not even a bro. How are you gonna bring
me up?

Speaker 5 (00:43):
I'm on YouTube? Okay you are now. A minute ago
it was just a splash screen, that's all.

Speaker 2 (00:49):
You're scaring the hell out of me there, Mark, No, no,
I I think I was there. Okay, yeah, it was
stay tuned for the Troubleshooter. Now I'm trying my automated
scene switcher. It worked because Dragon. No, wait, who's doing
the show right now? It is a Shannine. Then Shannon
did actually hit it at the proper time, And if

(01:12):
the show goes according to the proper time.

Speaker 4 (01:15):
I can't imagine why it would never according to the proplem.

Speaker 2 (01:19):
Hold on, guys, hold on, uh I'm just full from
my I had a cat and a dog this morning,
and god was it was Delicia. I had my my
immigration my immigrant friends over and they fixed me a
wonderful breakfast.

Speaker 4 (01:32):
You know, that's the hoddest thing I think held a dog.

Speaker 2 (01:34):
And a side of potatoes.

Speaker 5 (01:36):
What I thought you literally were saying you ate a
cat and a dog?

Speaker 4 (01:41):
Is that not? Am I the only one they'd heard that?

Speaker 2 (01:44):
Yeah? Yeah, yeah, it's it's for breakfast. And my Venezuelan
friends are basically going around the neighborhood gathering stray dogs
and cats, and uh, we're having a wonderful feast. And uh,
in addition to that, we're listening to Taylor Swift music
and all kinds of stuff. We're having a wonderful time.

Speaker 4 (02:06):
And uh, you're not going to bait me today. Brother.

Speaker 2 (02:11):
Hey, I actually never got more fun email about you.
Loving it?

Speaker 4 (02:17):
Oh so I think I should bait you. I should.

Speaker 5 (02:20):
I got one about you. Okay, of course you're going
to get I was no, no, no, this one was
kind of shocking. I'm going to pull it up and
I'll read it at some point. But uh man, this guy,
this guy, let's just leave it like that.

Speaker 4 (02:36):
Was really upset with you, big Why you know.

Speaker 2 (02:39):
Because I bring out what everyone thinks. I mean, you
know I'm not And I made this very clear. I'm
not talking about my preference. I'm talking about what I think.

Speaker 5 (02:49):
You and I think said yesterday. Hold on, I'm just
gonna have to pull it up on What did.

Speaker 2 (02:53):
I What did I say? Well, I want you to
get on zoom too, because I want to show people
how how smart I am to do this.

Speaker 5 (02:58):
So you too, how you feel figured it out? Huh,
it'll be very interesting. Hold on, I'll have this up
in a second. So keep your mouth running, keep going
while I get it up. All right, That sounded really bad.
No matter how I look, I get it up. Okay,
Mark three oh three, seven to one three. Talk really seriously.
It's not a political show. And no, I want to

(03:19):
make this clear. Bar I ready, hold on, do you
make comments? I just want to make this clear. Have
you heard me?

Speaker 2 (03:24):
Yesterday? I wasn't saying anything un reasonable. I was saying
how this.

Speaker 5 (03:28):
Person thinks you said the most unreasonable thing in the world.

Speaker 4 (03:31):
What did I say?

Speaker 2 (03:32):
Really?

Speaker 5 (03:32):
Disappointed longtime listener of your show. Every day you're fighting
to get scumbags out of business.

Speaker 4 (03:39):
That's right.

Speaker 5 (03:40):
Today you said you would vote for Trump you have
no problem to put the biggest scumbag of all time
in the White House. Rapist, fraud, insurrectionist, convicted felon.

Speaker 2 (03:53):
Somewhat said, let me explain this.

Speaker 5 (03:55):
I did disappointment. What a disappointment you are, Tom Martine. Okay,
let me explain this. Trump in no way, and I
mean this now, I really.

Speaker 2 (04:05):
Want to get serious. He doesn't reflect my morals or
my moral compass. But I don't. I think a lot
of the charges mark a lot of the civil cases
were stupid.

Speaker 4 (04:15):
But I'm not even going that far.

Speaker 2 (04:18):
I'm just saying that no one has ever been prosecuted
for exaggerating on a financials. By the way, financial statements,
I really need to make this clear. They're not audited instruments.
Everyone makes out their own financial statement for banks.

Speaker 4 (04:32):
Banks look at them and.

Speaker 2 (04:33):
Then ask for clarification, or they make the loans. These
banks wanted to make the loans, they knew they were
good loans. They didn't want to sue. They never got
they never got dinged dime. Okay. Now, having said that,
so those were bogus. Now what about the other ones? Well,
I don't know that much about the.

Speaker 5 (04:52):
Other The section has already weighed in on the immunity,
so most of those charges are gone.

Speaker 2 (04:57):
But the sexual harassment they're talking about in all know
what they.

Speaker 5 (05:00):
Talk about that New York literally changed the laws on
the books in order to go after him, and then
the law reverted back after they went after Trump.

Speaker 4 (05:11):
For those literally the law reverted back to where they
couldn't do the same thing again.

Speaker 2 (05:16):
It's true what Mark is talking about. Honest to god,
they specifically extended the statute of limitations for sexual harassment
and rape, specifically for civil damages for a six month period.
After the lawsuit was filed. The law went away, and
they've hurted it.

Speaker 5 (05:35):
I mean, but there are still people going after Mark Martin.

Speaker 4 (05:40):
I'm not denying that.

Speaker 2 (05:41):
I'm trying to explain to this guy why would vote
for but what here's what people say about that even
though they changed the law, had he never done it,
it wouldn't have been an issue.

Speaker 4 (05:51):
So I'm not going to go there.

Speaker 2 (05:52):
All I'm going to say is this, I don't personally
I know Mark loves him, I don't personally like him.
I don't like him like he's upset with He's a child.
If you heard him in that debate last night. I
have the biggest crowds ever. I have the biggest this,
I have the biggest that, I got this many of most.
Nobody's ever done this, Nobody's ever done that. Okay, look,

(06:14):
I don't like all that bravado. Here's all I'm saying.
By having him in office, you do get to stop
a lot of other nonsense. It has nothing to do
with him. Why why for one believe not one person
in that office is going to change the course of history.
But what I do think is they will allow others
to have voices because right now, no matter how you

(06:36):
look at it, we have a lopsided government and our
country is swinging way way, way, way too far left.
I don't want it to swing way, way, way, way
too far right. I tend to be very and nobody
cares what I tend to be. But I want this
guy to know why I said Trump It wasn't for
Trump the person, because I don't really care about that

(06:59):
and all this crap about the person. You know what,
Biden's not a great person either. He's been in business,
he's been in the government business for forty some odd years,
and takes bribes like all of them. They all suck.
So what you have to do is pick the lesser
of evils. That's really what you have to do. And
they all suck. They really all suck, except for Jimmy Carter,
and he sucked as a president. You know, I think

(07:22):
Clinton was okay, I wasn't that terrible about Obama. I
love Reagan. I mean, look, here's the bottom line. I
don't no one cares how I'm good of votes, So sir,
you should even care, you know, go in and pull
the lever for whoever you want. But but I don't believe, Okay,
I don't believe we need more of the same.

Speaker 4 (07:38):
That's all. That's all.

Speaker 2 (07:40):
Now, having said that, I'm digesting my dog and kat
I'm listening to Taylor Swift during the breaks. I'm having
a good time here, you know.

Speaker 5 (07:47):
And I do want to say something about that debate
real quick. She definitely won, but the fix was in
for him. She'd never seen moderators like fact check. I
think they fact checked them forth on the run. They
didn't do anything nothing to Kamala. And she puts some
big whoppers out there. Here's the one, here's the one

(08:08):
they always save the one.

Speaker 2 (08:10):
Here's the one he always says that they always say
they always say this, he's going to adopt Project twenty
twenty five. How many times can he say he's not?
Then he then he's going to have a national abortion ban.
He said leave it to the states. But that's not
that's not what they want him to say. So they
put words up. Why didn't they fact Why didn't they
fact check that? Well?

Speaker 4 (08:30):
I don't know, because it was it was three.

Speaker 6 (08:32):
Ones the democratic partisan side.

Speaker 2 (08:35):
Okay, you know they have I don't want to be
a mark. I want you to get on so I
can show people how smart he break.

Speaker 4 (08:41):
I'll try it.

Speaker 7 (08:42):
Hey, Tom, One thing you know that you said, I
really believe that if if the Democrats retained power, it
will change history because the unfettered immigration crisis will contart.

Speaker 2 (08:54):
But doc, I didn't say it wouldn't. I said, one
person can't do that in thetive office.

Speaker 8 (09:00):
No.

Speaker 7 (09:01):
I think if Kamala gets elected, then we will have
an unfettered immigration crisis and it will change the country.

Speaker 4 (09:08):
It's not because of one person.

Speaker 5 (09:10):
No, it is not because it's because you can close
that border.

Speaker 4 (09:14):
Man.

Speaker 2 (09:15):
If congret listen, if you add a Democratic president and
Republican lawmakers, that would be different. And then you have
conservative court or liberal court, and and you have Democrat
Congress and a Republican president. All I'm saying is our
system is set up or one person can't do that
much doubt.

Speaker 5 (09:31):
When it comes to the border, though I have to
disagree with you.

Speaker 4 (09:35):
They can cat down the border with this way.

Speaker 2 (09:37):
Yeah, pay, you're right, executive orders and all of that.
And by the way, I for one think executive orders
are overdone. They're totally overdone, and I think there should
be more oversight for that.

Speaker 4 (09:48):
By the way, I just I want to say.

Speaker 2 (09:50):
One, no one really as I said, no one really
cares about my political views. But when you.

Speaker 5 (09:59):
Write critic you've been around this town. I want to
tell you exactly the sentiment. And I'm speaking for a
lot of people, not myself, but it's this. You're the troubleshooter.
You're the guy that puts the scumbags away. You're the
one that spreads that spotlight on the news stations for
forty years, on the radio, in print.

Speaker 4 (10:18):
You're that guy.

Speaker 5 (10:19):
So when you talk about politics, they get really pissy,
some of them, usually the lefties.

Speaker 2 (10:26):
I tend to be conservative when it comes to economic issues,
and I crime, and yeah.

Speaker 4 (10:33):
When it comes to when it comes to.

Speaker 2 (10:37):
Social issues, I don't think we should ever be involved
in that. I mean, everyone just is so busy trying
to tell people how to live their lives. Who cares?
I think where it gets, where it gets messy is
where that starts infringing on others people lives, and that
gets into all of that sports thing with transgenders.

Speaker 4 (10:57):
And I don't even get involved in that.

Speaker 2 (10:59):
I think that's up to those who participate to make
the rules. I don't participate in that. If it affected me,
maybe I would. I have to code to Carl now
real quick to start this. Carl, go ahead, what's going on?

Speaker 9 (11:11):
Man?

Speaker 2 (11:13):
Hey?

Speaker 10 (11:13):
Tom? Are you doing that? Thanks for taking my god?

Speaker 2 (11:15):
What's happening?

Speaker 11 (11:16):
Question about credit credit cards? Not knowing?

Speaker 10 (11:20):
Just wondering if if have being too many credit cards?
And is there any laws that which I guess the
person would be violating? And before you, before I say that,
can me give you a kind of a background. I
was talking to a family member yesterday and he basically
and I and you know, I got the average credit card,
a couple of credit cards, and my family member said,

(11:41):
I have eighteen credit cards sold in a quarter million
dollars and I said, I think that's something not right
with that. And the reason why I thought it because
I said, well, how does one you know? But if
he's not capable of paying you know, that quarter million
dollars back, I mean, what could the credit company take

(12:01):
some kind of legal action, not just sue him and
get it judgment. I'm saying, is there any fraud or
anything like that?

Speaker 2 (12:08):
You mean fraud because you know what I want to
talk about that there actually have been lawsuits like that
and there's a very good chance, well not a good chance,
but a chance that could happen. I'm gonna consult with
my expert, Taylor Swift on this and then I'll be
back to you, and more so, hang on seriously, we'll
come back with an answer. I'm Tom Martine Moore. Right

(12:29):
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(12:52):
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three oh three nine two zero sixteen twenty two. Hi
Tom Martino, your troubleshooter three oh three seven one three

(13:17):
talks seven one three eight two five y five. Waterpros
dot net. They have that special, the unbelievable special, and
that's the one where you can get the whole house
softening and get rid of all the chemicals, plus triple
filter reverse osmosis for drinking for thirty one ninety five.
I'm going to tell you some Mark, what would that cost?
With a plumber? What would it cost? Fifteen sixteen grand

(13:38):
for those two systems are more probably twelve yeah, eight
six two five five y five four. That is three
oh three eight six two five five five four. Paul
the Waterman, it's waterpros dot net. Now Carl wants to
talk about something is very interesting. Now, Carl, there is
something I want to talk about, and that is when
you have credit cards. And uh, actually, Mark and I

(14:00):
discussed this years ago, and it was it was so right,
it was so right the way the way we did it,
and that was this. What happened was it was kind
of like the way he explained it is that we.

Speaker 4 (14:16):
Had to.

Speaker 2 (14:19):
How do you but we had to have enough credit
cards that our usage every month did not go over
a certain percentage.

Speaker 4 (14:28):
But at the same time, it.

Speaker 2 (14:31):
Couldn't be too much too many credit cards. So what
you want to do, For example, let me just give
you an example.

Speaker 4 (14:38):
If you have a.

Speaker 2 (14:41):
Credit card, one credit card, and you use that credit card,
your credit will go up and down during the month
tremendously based on percentage.

Speaker 5 (14:51):
Mind flexes by any given time based.

Speaker 2 (14:56):
On percentage of credit used. So when you have to
credit card cards, the chances of that happening are less
because if you have now instead of one thousand dollars
in credit, you have two thousand in credit, and you
use one card, you still have another whole thousand left.

Speaker 4 (15:11):
So percentage of credit used is less.

Speaker 2 (15:13):
The more credit cards you have is good when it
comes to percentage of credit used.

Speaker 5 (15:21):
Yeah, it's more credit no matter you look at it.
People have extended you more credit, but they want you
to have the credit extended but not to use it.
It's weird.

Speaker 2 (15:32):
They want you to use a certain percentage of the
credit and I believe to get really high marks. You
never want to go over thirty percent of credit granted. Well,
as Mark was alluding to, and what happens with us
with business, we use the credit cards to get points
and everything. We put everything on those everything, everything. So
at the end of the month we're looking like bums,

(15:53):
right because we're using eighty seventy percent of our credit.
Eighty percent of our credit. But here's the point, it's
best to use thirty percent or less. It's called good
credit utilization. That's one algorithm. But then there's another one,
which is strange. If you have too much credit granted
to you in regards to income, then you can have

(16:16):
a serious problem, you see. And that's where that's where
it gets to be weird, is where you.

Speaker 5 (16:26):
But but to circle back, Carl, it is not illegal
unless if you're trying to perpetrate some kind of fraud
like now bankruptcy or something that's not Tell them.

Speaker 2 (16:39):
What happens, Tell them what happens. If you declare a
bankruptcy and you had all of those what would.

Speaker 5 (16:45):
Happen, well, ninety nine percent of the time, it wouldn't
be fraudulent. It's un there's nothing the credit card companies
can do. There's no security like if it is on
a house. So basically the debt gets wiped out. It's gone.
Let's say you were Trump, Well then they'd come after you.

Speaker 2 (17:02):
No, I'm serious or somebody like that. They will come
after you and say you use too much credit.

Speaker 4 (17:08):
Yeah, but generally speaking, in a bankruptcy, all your credit
card debt's gonna go away, unless once again, you were
perpetrating some kind of fraud. And that's the whole point.

Speaker 5 (17:19):
But most people who that have eighteen credit cards, the
problem isn't fraud. The problem is they start using one
credit card to pay for another credit card, to pay
for the card, to pay for the mortgage, to pay
for the rent, the phone bill, everything else, and pretty
soon all eighteen are maxed out. They can't get any
more credit. Then they got to pull that trigger.

Speaker 2 (17:38):
Now, if I'm gonna put you on, if I'm gonna
put you on, here people, what you have to do
is look right now, you look at the camera. Look
at Marky is on. There you go. Now. YouTube has
a little lag in it, but Mark is on. So
I can put him on when he's talking, or I
can put him over my shoulder. I can manipulate him
anyway I want.

Speaker 4 (17:59):
Wow. Yeah, sounds great, Yes, I can. Good time to
do this.

Speaker 2 (18:04):
What's that?

Speaker 4 (18:05):
This is a good time to work on it?

Speaker 2 (18:08):
What's wrong with working on it?

Speaker 6 (18:09):
Now?

Speaker 2 (18:09):
I'm gonna put him over my shoulder. I'm gonna put
him on Okay, so there he is. Now, Now watch
this one.

Speaker 4 (18:15):
Hold on, I got to figure out. Look at this one.
Now he's over my shoulder.

Speaker 2 (18:18):
Hold On, don't.

Speaker 4 (18:19):
See well it has a little lag in it.

Speaker 2 (18:23):
Doc is there? No, I don't see it. Do Doc
normally doesn't see his face.

Speaker 4 (18:27):
That's probably looking at you know, Yahoo dot com.

Speaker 7 (18:30):
Hey, Tom, if you want to hear something interesting instead
of all this, I just said something that showed the
price of insulin in forty countries.

Speaker 4 (18:39):
The price of insulin in forty countries.

Speaker 6 (18:42):
States was about one hundred dollars.

Speaker 4 (18:44):
The next thirty five, Doc, I don't think your MIC's on.

Speaker 7 (18:51):
Oh Tom, I'll say he's poice of insulin in the
United States is about one hundred dollars for dose. In
the other thirty five countries, it went from three dollars
to twenty dollars.

Speaker 6 (19:03):
Max. Is that ridiculous? Yeah, it is like to make
a call.

Speaker 2 (19:08):
Yeah, So anyway, Doc, it's not only insulin. There's a
whole bunch of stuff. This is happening with a whole.

Speaker 7 (19:14):
I know that's one of the most hused drugs in
our country.

Speaker 4 (19:19):
Yeah it is.

Speaker 2 (19:20):
Three oh three seven one three talks. So from now on,
Mark can't complain because when he is, uh, always see him. Yeah, exactly,
He's going to be on and you're gonna and it's
gonna be doing whatever.

Speaker 4 (19:34):
I'm pretty sure I'm frozen there, bro, I.

Speaker 2 (19:37):
Don't think you're frozen now, I see it moving. I
think that YouTube might be screwed up sometimes, you know
the YouTube, But he's there if anybody wants to see
what we're doing here, I'm just trying to update this anyway.
Three oh three seven one three talks seven one three
eight two five five. Now, somebody said we should bet

(19:58):
on the outcome of the election.

Speaker 4 (20:01):
I'm done betting with you, sir.

Speaker 2 (20:04):
You don't think I pay it, but you're not that
you just one reason I don't like betting is because
I don't want to bet against what I want to happen.

Speaker 4 (20:12):
Oh, here comes to hate mail now, No, I just.

Speaker 2 (20:15):
I don't want to bet against what I want to happen.
I want to see more balance in the government. I
want to get rid of the Democrat in the White House,
and I want to see balance in both houses. Here's
the text, Tom. Have you noticed there was no previous
former Republican president vice president that endorsed Trump and was
at his convention, including Trump's previous VP.

Speaker 4 (20:37):
Yeah.

Speaker 2 (20:38):
No one who works with worked with him before, will
ever use him again. In fact, they they endorse Harris.
All the people who worked with Harris loves her. Anyone
who served under Trump denounces him. Of course, what does
that say about him?

Speaker 4 (20:57):
He's a tough boss.

Speaker 2 (20:59):
The people who were unsaved and did things on his
behalf are serving time in jail or indicted. There were
more people indicted in the Trump administration.

Speaker 5 (21:10):
Well, that's because the Democrats own the Department of Justice and.

Speaker 2 (21:14):
For the super MAGA. It is just that if they
tell you a lie long enough, you're going to believe it.

Speaker 5 (21:21):
Now, where did that come out of? What playbook? Did
that come out of that laptop?

Speaker 4 (21:25):
My friend? There's nothing to see here.

Speaker 5 (21:27):
How many people was at eighteen DOJ and FBI before
the election came out in twenty twenty, saying that it
was Russian propaganda, and we were told that until what
until everybody said, oh, whoops, we were wrong.

Speaker 4 (21:41):
That was under his laptop.

Speaker 2 (21:44):
Now somebody said this, as a YouTube watcher of your program,
I have been overhearing that soon if the program is
going to be broadcast from iHeart, it won't be on YouTube.
I've never heard anything.

Speaker 5 (22:01):
Well, now, we were kind of discussing that on air,
or at least off air on YouTube. Oh did did did?
I I'm not We're probably not going to have Wi
fi here. Oh is that what you were talking about?

Speaker 2 (22:13):
I know he was saying, a policy of iHeart will
be their shows camp be on YouTube. Why would why
would they ever do that?

Speaker 4 (22:19):
No, why would they do that? That would be crazy.

Speaker 2 (22:24):
I don't know. I mean that would be crazy too.
I mean, you want as much distribution of your product
as possible.

Speaker 4 (22:29):
Not already that.

Speaker 5 (22:29):
But I mean, you know, there are Flagship, and there
are friends, and they're great people, but they don't know
the show.

Speaker 2 (22:35):
Yeah yeah, but but they of course could say, hey,
you know, we're not doing it and do whatever they want.
It's their studio, agree and anybody can. Anybody can. So
the point is this, you know, the real. The real
point is you have to kind of.

Speaker 6 (22:51):
You.

Speaker 2 (22:53):
It's just the kind of thing that you have to
play ball with. I mean, there are so many points
of distribution right now. What most broadcast are upset about
is not that the on air product is being rebroadcast.

Speaker 4 (23:05):
It's when it doesn't.

Speaker 2 (23:06):
Carry commercials or they don't make money off the commercials.
This is something all broadcasters and all media people don't like.
They don't want you using their stuff and making money. Now,
when you post on YouTube, you agree to that. You
say I'm going to allow you to do this. So
to a certain extent, you give up that right. And

(23:27):
maybe there's talk with big broadcast chains if where our
shows are going to be on we need a piece
of the revenue. Who knows anyway, I'm Tom Martino three
three seven to one three talk, get your calls in,
and honest to god, I'd really like to know without
getting into the Hey, I would like to know what
you thought about performances, Just performances, not what they were saying,

(23:53):
because do you know most people look at performance and
not what people say. Did you know that she was
very composed and very tegether like a prosecutor would be
it's hard, but listen, another thing. She never denied raising
bail money for the riots and all that other stuff
and defunding police. I mean, but I am not telling

(24:16):
you that one side one or the other. I want
to know what you thought she won.

Speaker 4 (24:21):
But once again, that goes back to dirty tricks.

Speaker 5 (24:24):
And I'll just say this, and people hate this, but
when Trump talks about, you know, the election being fixed,
I don't think he's necessarily talking about like they somehow
planted or came up with votes. I think it was
stuff like the Biden laptop, the stuff like people on Twitter,
they couldn't even hear from him anymore. Facebook blocked him.
I mean, it was all of those which were basically

(24:46):
dirty tricks, but the biggest one, that Hunter laptop, I
think would have swung the election the other way, and
that's just wrong. They can't do it. So with the debate,
there's no way Trump won. I mean, she dominated the
whole thing, with the exception of maybe the first minute
or two. In the last two minutes, I thought he
did a lot better. But other than that, she sandwiched

(25:06):
him in between and killed him. But here's the deal,
it doesn't even matter. It was three on one. It
was a dirty trick.

Speaker 2 (25:14):
Anyway, we got more coming up. You saw Marky there.
I was a little late on the trigger, but I'm
getting better at it doing this YouTube directing. Some of
it's automatic. So anyway, give us a call if you
have a problem, question or complaint. We'll be right back
with more. And I want to tell you about Frankrand
therealestate man dot com. People right now are wondering should
I sell, should I not sell?

Speaker 4 (25:33):
What can I get for the house? What will I net?
What can I buy?

Speaker 2 (25:35):
And now with the new commission structure, meaning that there
are no set commissions, you can build commissions in. You
can have the buyer pay all of them, the seller
pay all them. You can do whatever you want. It's
all negotiable, they said to the realtory, as you can't
have a set price. Frank, we'll go over all of
that with you. And yes, he negotiates everything, especially if

(25:56):
you use them both for the buying and the selling.
He's a great person and I'll do this free evaluation
three oh three nine two zero sixteen twenty two Frank
durand homes dot com go with a sure thing Denver's
Best Roofer Excel roofing dot Com. You don't pay a
cent until you're content than time for an insurance check

(26:21):
up free no obligation. Comparison call Compass Insurance paying too
much your coverage at dozens of insurance companies find out
now three oh three seven seven to one. Help You'll
think you're his only customer when you choose Frank durand
the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen
twenty two. Hi Tom Martino, here your troubleshooter. Eight eight

(26:46):
eight Heating dot Com for honesty and integrity, and I
talked about solar systems. They put in these high efficiency
electric heat pumps or hybrid furnaces. They specialize in that
they do a great job. Eight eight eight Heating dot Com.
Garrett and the Boys You'll love three h three seven
seven zero two seven seven six. All right, Deputy Bow
has a follow up? I believe. Let me get this

(27:08):
feed people. Uh we got deputy is Deputy Bow on camera?
There is he there or not?

Speaker 6 (27:14):
I'm here, Tom, Okay.

Speaker 4 (27:15):
Get you get have Mark turn that camera? Oh yeah,
I'm gonna walk around with his camera.

Speaker 6 (27:19):
I don't need pictures.

Speaker 2 (27:21):
Oh is that him in the background there?

Speaker 4 (27:23):
Wait here, wait, wave at me, bro wave at me.

Speaker 2 (27:25):
Okay, that's you. Okay, go ahead now I'm going to
keep you up while you're talking.

Speaker 6 (27:29):
Go ahead, okay. A small follow up.

Speaker 12 (27:32):
This is on Eric that called on August fourteenth in
eleven o'clock hour.

Speaker 2 (27:39):
What was his name? Eric?

Speaker 6 (27:41):
Eric?

Speaker 12 (27:41):
Yeah, he was getting.

Speaker 6 (27:44):
Problems at King Supers.

Speaker 2 (27:46):
He was oh no, no, no, no, no, no. You're
talking about the guy that was called a racist, right, anyone,
that's a big story. That guy said that. This white
clerk said, I ain't wait oh wait no, no, he
wasn't a racist. She was right, he said. He went
and asked her to picked some cigarettes out of the
She was up at the god booth there and he said,

(28:07):
can I have some cigarettes? She goes, no, ask so
and so who's a black man? Because I'm racist? And
he claimed that she treats them like crap, and they
all treat them like crap because they're racist.

Speaker 12 (28:18):
Go ahead, right, And he was selling burritos outside these and.

Speaker 4 (28:23):
They told him he can't do that. He was just
very upset. Look at I'm not going to belittle what
he's saying.

Speaker 2 (28:28):
He said, that they are treating him bad because he's black.

Speaker 12 (28:34):
Right down the bottom line.

Speaker 6 (28:35):
I think it was just a rude comment.

Speaker 2 (28:38):
But he was I thought it was. People said it
was sarcastic comment, meaning that I thought meaning he apparently
called her racist before or thinks she's racist. So when
he asked her to get cigarettes, I think what happened
was she was kind of pissed at him anyway and said, no,

(28:59):
ask so and so, who is another clerk? Let Glennard
help you. I'm racist, And then that's what's it. Then
he also said he had four stage cancer in his
prostate colon, lung and brain, which right.

Speaker 12 (29:14):
The only thing I was concerned about him is that
he said on the air that they banned him from
the store. And I was concerned about the guy with
this answer that he couldn't go into the pharmacy.

Speaker 2 (29:24):
What about it?

Speaker 12 (29:25):
So I called the manager down onto the administrative offices
just see if they had comment on it. And wouldn't
do it. So I drove out to that Stapleton store. Yeah,
and I just talked to one of the officers. I
think it was a Denver police officer.

Speaker 6 (29:40):
They knew him.

Speaker 12 (29:41):
All I wanted to find out is old grumpy Eric
allowed to go into the store and get his drugs
for his chemotherapy, and he is, he is allowed to
go into the store. So if he's listening, I know
he knows that he's allowed, but he's sat on the
air that he was totally banned from the store.

Speaker 6 (29:59):
And that's not true.

Speaker 2 (30:01):
Okay, that's all I have, and I think we well,
that's good. No, No, that's good because that was the
one thing we were concerned about bo that you know
he was he kept claiming he couldn't go there to
get his meds. Of course, I said, go anywhere else?
Who cares, right, I.

Speaker 6 (30:14):
Mean he couldn't.

Speaker 2 (30:15):
He can't drive.

Speaker 12 (30:16):
And I get apparently that Stapleton store is only a
few blocks from where he lives, so he can go
into the store and get his droughts.

Speaker 2 (30:24):
Mark, how do we answer this one? Since you handle
all this stuff? It says we love listening to podcasts
and we're one of the many thousands that downloaded. And
I get this a lot, Mark, I get this from
all over the country. I mean, we're one of the
top downloaded shows. But here's what I hear. Who the
hell inserts the commercials in the podcast. They're haphazard. Sometimes

(30:51):
they come in the middle of a sentence. Now, so
there's different ones. We insert a few commercials.

Speaker 5 (30:56):
The ones we do were Compass, Frank Duran and somebody
ouse I forget offhand, but those are really quick. They're
like ten second spots and they run together and they're
inserted willy nilly.

Speaker 4 (31:08):
But who cares.

Speaker 5 (31:10):
The problem is anybody that uploads it to different places
they insert their own commercials, So by the time someone
actually listens to the show, there could be one hundred
commercials put in there by numerous different people. That's generally
how it works. Okay, okay, so we insert some, then

(31:31):
iHeart inserts some and then give me one. Spotify then
insert some Apple Music, then inserts some Wherever you're listening
to it, they insert their own commercials. iHeart inserts their
own commercials. We insert our own commercials. So depending on
how you listen to it, you might get ten commercials

(31:51):
or you might get fifty.

Speaker 2 (31:53):
God man, but there's nothing we can do about the placement?

Speaker 9 (31:56):
Is nothing?

Speaker 4 (31:56):
Of course enough? All right?

Speaker 2 (31:59):
That was Mark? And isn't it nice to see to
both people? I can go back and forth here I am.

Speaker 5 (32:03):
I gotta figure out where to put that camera in here? Though,
I think I'm gonna put it where the old one
used to be. But here's the problem. This is gonna
work out wrong.

Speaker 2 (32:10):
Yeah yeah, hello, yeah, I said put it where the
sun don't shine?

Speaker 4 (32:16):
Oh yeah, well that's funny. Okay, here's what I think.
Where is that?

Speaker 5 (32:20):
Where is where does the suddenly I don't know that's
the same. How do you know the sun doesn't shine
on my ass? Well, first of all, no one said
it was your ass. Oh hold on, we got a little,
we got the survey up. Does the feed look better
since Tom took it over? Okay, let's see.

Speaker 2 (32:35):
Yeah, well it's not overwhelming, but it's it's I got
a majority.

Speaker 5 (32:39):
Come on, how can you say no? Then they're gonna
love it when all of a sudden it doesn't work.

Speaker 2 (32:45):
Well, that could happen to anyone, right, Okay, Yes, more
coming up on the Troubleshooter Show. Stay tuned and we
have a lot of excitement. We're gonna give my best
dog and cat recipe right after this. Go with a
sure thing Denver's Best roofer Excel Roofing dot com. You

(33:08):
don't pay a cent until you're contenth time for an
insurance check up free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your

(33:29):
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino here three oh three
seven one three talk three O three seven one three
eight two five five. Uh, you got Mark over there
in the studio. Bo I trust you got all the

(33:49):
the uh updates. Here's some texts, Now, I have texts.
Here's where I get texts five seven seven three nine
is the iHeart app? And then I have the calls,
the uh, the uh uh Google thing seven four seven
nine nine. And here's one that says Tom, if I

(34:12):
was hiring a nanny to watch my kids, it wouldn't
be Trump. But he's the best for running the country
and cleaning out the swamp. Anyway. There's a lot of
other stuff too. I'm putting a few together. I'll read
coming back. Plus, we're solving your problems, answering questions and

(34:34):
taking complaints on The Troubleshooter Show. Go with a sure
thing Denver's Best roofer Excel Roofing dot com. You don't
pay a cent until you're contenth time for an insurance
checkup free no obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurance companies find out

(34:56):
now three all three seven to seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Yeah, ripped.

Speaker 1 (35:15):
New need advice?

Speaker 3 (35:18):
Who you don't have?

Speaker 1 (35:21):
Come running just as fast as we can. Shooter's gonna help.

Speaker 4 (35:26):
Come man, This is the Troubleshooter Show.

Speaker 2 (35:31):
Now Tom Martino, Hi, Tom Martino, Your Troubleshooter three O
three seven one three talk three all three seven one
three eight two five five. Let me get rid of
that zoom one and make a better one. So we're trying.
We're trying, folks. Our feed is UH is h new

(35:52):
new software and UH if you're tuning into the YouTube stream,
it's just a little, a little some growing pains. By
the way, Welcome to the show. No kidding around. We
are solving problems, answering questions, and taking complaints. And Compass
Insurance reports that yesterday they had a tremendous, tremendous amount
of response to the insurance Help Center. You can always

(36:17):
get free quotes and if you're if you have a
great deal.

Speaker 4 (36:21):
Wouldn't even want to know that.

Speaker 2 (36:23):
The Insurance help Center dot Com through a three nine
nine six nine thousand. So we were discussing a number
of things and this stat came out that I think
you won't find surprising. College kids are the number one
victims of scams during the back to school season. College students,

(36:50):
not high school college students. As they return to campuses,
they are being hit up for all kinds of credit cards, words,
business scams, influencer schemes online especially TikTok, and those with
the ads a lot of them are ripping them off

(37:14):
getting information.

Speaker 4 (37:15):
They're also being targeted. I'm just going to say it.

Speaker 2 (37:19):
This article and a few articles I read don't say it.

Speaker 4 (37:24):
It's because they're stupid.

Speaker 2 (37:26):
When it comes to everyday life. We do not have
an educational system that prepares people for life.

Speaker 4 (37:34):
It prepares them for academics and.

Speaker 2 (37:37):
Not for life. Not for life, you know. I imagine as
you get into your specialty, if you went to graduate school,
post secondary postgraduate like being a doctor, I don't know,
deputy doc. If you remember back then, did medical school

(37:58):
actually teach you the finer art of dealing with patients?
Did you take psychology courses?

Speaker 9 (38:03):
No?

Speaker 6 (38:04):
Seriously, no they did.

Speaker 2 (38:05):
No, No, I didn't know that, so they really did. They
talked about when you deal with a patient?

Speaker 4 (38:09):
What course?

Speaker 6 (38:10):
I mean, No, I didn't know that.

Speaker 7 (38:11):
You learn how to deal with patients, how to interview them,
how to take a history.

Speaker 2 (38:16):
Obviously you need to know that they try to impart
some empathy to you or oh your house, okay.

Speaker 7 (38:22):
And how take a history from a patient? And you know,
of course, and that's been getting more and more as
time passes.

Speaker 6 (38:31):
You know, we may have been ten percent.

Speaker 7 (38:34):
It's probably up to fifty percent now because medical schools
will becoming more and more aware that you need that skill.

Speaker 2 (38:43):
Very good now, by the way, you can call three
h three Martino three oh three six two seven eight
four sixty six. Here's the point when when college students
hit the road for college, they look for ways to
make money. A lot of them are looking for passive
income or income that doesn't take a lot of work.

(39:06):
Does that sound familiar. I don't know if it's lazy,
but they feel they can make big money, and they're
being signed up to do secret shopping or to take
surveys and supposedly it pays. Many of them are downloading
apps that tell you can win money playing games. Solitaire,

(39:26):
all kinds of games. That's just one of them, but
a lot of them are skill games and they say
you're going to make money, and a lot of the
they're just getting their faces ripped off they're signing up,
and it's amazing to me. It's totally amazing to me
how they're being ripped and how they're being taken advantage of.

(39:48):
There's almost there's almost none of them that are true. Hey,
surveys and secret shoppings. I just want to warn me
how many don't exist. Or they take your money and
say they're going to sign you up, go ahead, whoever
you go.

Speaker 7 (40:03):
I looked up one of those games where you can
win money, and just out of kicks, I won fourteen cents.

Speaker 6 (40:11):
By playing with Delitaire.

Speaker 2 (40:13):
By the way, did you see those ads they talk
about hundreds of dollars a day.

Speaker 4 (40:19):
Oh yeah, and then you have to pay.

Speaker 2 (40:22):
What I didn't understand is you have to put money
on deposit and pay for each game.

Speaker 7 (40:26):
Well unless you do the free ones where you can
win fourteen cents.

Speaker 4 (40:31):
And here's the deal. I mean, no one makes money.

Speaker 2 (40:36):
I don't care what they say they interview these people supposedly,
you know on these ads that you have to watch
in between. I hate these games where it's so hard
to get to the game. You got to watch ad
after ad after I'd rather just pay for the damn game.
But even when you pay for it, you still have
to watch ads. There's nothing free, and a lot of

(40:57):
them now, even when you pay for no ad ads.
There are so many in app purchases. Have you noticed
the latest thing with apps is you have to put
in a credit card. You get a three day trial
or a six day trial or a five day trial,
and then they start charging you and you have to
pay monthly. There are hardly any true free apps anymore

(41:19):
that are truly free.

Speaker 4 (41:21):
So when it comes to things.

Speaker 2 (41:24):
Like that like AI photo retouching and all of that,
you have to pay like four bucks a week or
so much a month. You can buy a yearly subscription
and you don't get any ads, but you have to
pay the other one if you get there. There are
none of those that offer ads for no payment. Now
that's where I would accept an AD during games. I

(41:46):
don't like that. But if you're getting a functional like
they have a fitness app for your phone, it's really incredible.

Speaker 4 (41:53):
It really does work well where the.

Speaker 2 (41:55):
Sensors will sense your pulse and they say it read
blood sugar. I don't know how that's even possible even
without a U unless you have one of the USB readers.
They have some of those glucose readers that you plug
into the bottom of your phone here and it will
give you a certain amount of blood measurement. But doc,

(42:18):
I don't know if you've seen those apps. They're incredible apps,
but they cost a lot of money. I mean, you
have to. You have to pay monthly for those suckers,
or you're not going to get anywhere. So in any case,
let me go to this one text. It says Kamala
was wearing audio earrings and getting coached. Now, come on,

(42:42):
where did you read that audio earrings? Somebody else says,
have you noticed that Trump was not as yellow and
his hair was not as bleached. Anybody know that. Anybody
see that. All of the articles are saying that Trump
lost and that she really proved herself. I'm not sure

(43:07):
I'm going to go that far. But she didn't do
what people thought. Deputy Doc said, just let her talk
and it'll be word salad. But it wasn't. So somebody
Mark said, for your camera to get rid of the sidebars.
Do you go landscape or are you on?

Speaker 4 (43:27):
Are you on landscape or are you on uh wide?

Speaker 2 (43:30):
Okay, see, I don't know. That's just the Samsung phone.
I guess they can't do what the Apple does? You
know that there's no discussion.

Speaker 5 (43:40):
I'm sure that Apple's got a much better camera than
my S twenty four ultrap.

Speaker 2 (43:46):
Here's a text Tom. As a member of the Klan,
I have to report that Kamal has been working with
us the whole time, and we're proud of the job
she's doing. Oh no, no, they're not Kamela. I'm sorry
she talked about the he's talking about the King supers oppressors. Anyway, Tom,
if I was voting, oh I watched this, I said

(44:07):
this and Nanny watched my children wouldn't be Trump. But
if I'm voting for the most powerful and for important position,
clearly Trump is best. Democrats think and spew that minorities
cannot survive without them. They panner to our differences. One
other text says, do you think that's the case? And

(44:28):
I know, okay, here's another one. I noticed that some
of my friends noticed during the debate that Camela's facial
expressions could have suggested she had an earpiece and was
taking directions. Does anyone think that you know the technology
is there? I mean, you could very very well have

(44:50):
an in earpiece that no one could detect. Do you
think that anybody would ever do that and cheat? And
how would they know? I mean, I don't know, how
would you know. Have you ever seen those little tiny
things that go in the air the hearing aids, Well,
they have bluetooth capability. Someone could talk to you all
day long. I often wonder if people ever do that.

Speaker 13 (45:11):
I have only one statement about the debate last night.
If I could ring in as we happen go ahead,
it was a little bit.

Speaker 2 (45:20):
Too rehearsed from on whose side?

Speaker 13 (45:23):
On Kamala's side, she basically was very scripted, and it
just I'm not saying I'm not giving any sort of
nonsense into the Twitter universe that says maybe she had
a bug in her ear. But she sounded very rehearsed,

(45:45):
like every question was perfect. So I'm going to present
a different opinion. She had the questions.

Speaker 2 (45:53):
Listen to this. No one picked up on this. No
one picked up on it, including the astute Mark Major,
Mark Major, Mark Major. And it told me the same
thing that Kelly just alluded to, that she knew what
was coming in. I'm going to tell you, why do
you know what phrase or clause or do you know

(46:14):
what I'm referring to? She said something to everyone. She
said something in the very beginning of the debate. I
swear to god, she gave it away that she had
been briefed. Think about what I want to know of
any of you, really, she said, In fact, I can't
believe I haven't brought it up yet, and I can

(46:37):
pull I can't pull the clip while I'm on the air,
but I will tell you she said something in the
very beginning. I don't know, like in the first minute
or so, but it was in the beginning, And I
thought to myself, what. I swear to you. When I
heard it, I said, no one picked up on this.
She was briefed. Do you know what I'm talking about?

Speaker 6 (46:59):
Mark?

Speaker 4 (47:00):
I don't know, but okay, Doc, did.

Speaker 2 (47:04):
You hear anything that made that would have made you
think that YouTube morons? Did you hear anything?

Speaker 6 (47:08):
I did not watch the bake Tom? What Tom?

Speaker 12 (47:12):
She may have when she said brief she may have
been talking about she was coached well before the debate
was known.

Speaker 2 (47:20):
She didn't say that. Here's what she said. Here's what
she said, Please try to find it. I wish I
would have cut it out and and made a sound bite,
and maybe we can do that, but but maybe somebody
listening or on the YouTube can do that.

Speaker 4 (47:36):
Here here's what she said.

Speaker 2 (47:38):
She goes, you're gonna hear this, and okay, I'm paraphrasing,
but I swear to god it was something like this.

Speaker 4 (47:44):
You're gonna hear a lot of things tonight.

Speaker 2 (47:45):
In fact, he's going to bring up immigration all night long,
or something about open board or something. And that's not
even part of our topic. Even though there or she said,
even though there will be no questions about it, he'll
bring it up anyway. I swear to you. She it
was something like that about immigration. Please look at it.

(48:08):
She said something about Trump is going to talk about
immigration even though it's not part of something or even
if he's not asked about it. Something that just made
me think right away, what, how does she know what
we will be talking about?

Speaker 4 (48:27):
She didn't say what. She didn't say, He's going.

Speaker 2 (48:30):
To bring it up no matter what you ask She
says he's going to bring it up even though it's
not part of tonight's discussion, something like that, something like that.
Did anyone hear that? I did?

Speaker 6 (48:41):
And that's why I say.

Speaker 9 (48:44):
It.

Speaker 2 (48:44):
Did anyone hear that?

Speaker 5 (48:46):
I know what you're talking about now that you described it,
but I kind of disagree with the context of it.

Speaker 2 (48:52):
Let's maybe I'm I really think though I heard that,
like something about even though it's not going to be
part of the questions or even if he's not asked
about it or something.

Speaker 4 (49:05):
And that's what's really strange when she.

Speaker 2 (49:08):
Said that, and damn it during your break, I'm going
to try to find it, because I swear to you
that I think she had she has some kind of information.
Do you think campaigns, well, we know Nixon had spies.
Do you think campaigns have spies though, and I don't
mean evil spies that break.

Speaker 4 (49:26):
Into hotels ABC.

Speaker 2 (49:27):
Man, do you really believe now again, I'm going to
sound like nay people are going to say, oh, Tom,
you're drinking a kool aid. I'm not saying I don't
or I do. I'm asking do you truly believe that
the media talks to these political that the Democratic Party
and tries to strategize.

Speaker 13 (49:49):
You really still gave the CNN dist right Hillary Clinton
head of time.

Speaker 2 (49:55):
Do you think there's any deep throating like that?

Speaker 4 (49:58):
Yes, of course. Do you think on the Republican sign?

Speaker 2 (50:04):
I think that is clear when they talk about have
you ever heard them, even in the fact checking, when
they found Biden saying something or Kamela is saying something,
they never couch it like this. This is one thing
I've heard all the time that listen to this. Trump

(50:26):
intentionally repeated a lie. They never say that when Kamala says, well,
they're going to adopt twenty twenty five, or they're going
to do a national abortion band or something, or even
when they're talking about the past. Okay, she keeps repeating
the lie that when they took over it was the

(50:48):
highest unemployment rate since the Great Depression. It wasn't fourteen
percent unemployment during COVID. Then by the time Trump after COVID,
before By took over, it was down to six percent.
So he did a good job getting the country back
and probably would have gone more. So they took it
over at six percent. The country was recovering on its

(51:10):
own after COVID. But she said point blank, they inherited
the highest unemployment rate since the Great Depression. Now, and
they've said that over and over, and they've been fact
checked over and over. So why doesn't anyone say, like,
I don't even want to mention his name. He makes
me so sick. He's on Channel nine and I swear

(51:33):
to God, the guy is just I don't know how
he keeps this straight face.

Speaker 4 (51:37):
He should be running for office. But he said, he says.

Speaker 2 (51:42):
But when people say things like and I'm not saying
you gotta love Trump or love Camela, but don't don't
be so obvious even if you hate Trump, but to say,
they never say Kamala Harris continually or intentionally repeated the
lie about unemployment. Never, they never couch things in those

(52:02):
derogatory terms. Ever, not anyone in the media when they
talk about a Democrat, but always when they talk about Trump.
But then Trump should lose the idea about the twenty
twenty election too, as far as I had all these
votes and then I didn't have them, and then I
have the biggest crowds, it sounds like it sounds like
Penis jokes. You know, disc jockeys talk about the guy

(52:26):
is just obsessed with his You know this this bragging stuff.
People hate it. I think people hate it. Anyway, I
got to take a break. Three oh three, seven to
one to three, talk problems, questions or complaints are issues?
Now on credit, Yes, you should have multiple credit cards,
you should rate, rotate usage, and you should keep total

(52:47):
amount of credit under thirty percent.

Speaker 4 (52:49):
Now you're going to hear wonderful.

Speaker 2 (52:52):
People talk about good good people talk about like Ramsey
talks about no credit. Ever, no credit, everything's cash. I
don't believe that. I believe credit is a tool, just
like painkillers can be a tool. I mean that doesn't
mean you abuse them. And I think credit is a tool.

(53:14):
And I think the notion that you can get through
your entire life without it is not realistic. And if
you learn to use credit as a tool and manipulate
the use of credit. It can be a very valuable tool.
And then there's also something called leverage, where you use
credit to leverage your positions. I'm not talking to the

(53:36):
stock market necessarily, that's dangerous, but I'm talking about when
you buy things like a house, for God's sakes, or
when you buy certain vehicles. Now, you can't over leverage
end up upside down. But I'm talking about a certain
amount of debt and credit can be used as tools.
I'm Tom Martinez. We have more coming up. Go with

(53:58):
a sure thing best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an
insurance check up free, no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank

(54:21):
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino, your troubleshooter three all
three seven one three Talk three all three seven one
three eight two five five. Back to the phones here
and UH phone calls are liked today, but I'm getting

(54:43):
a lot of text for some reason. Somebody wanted to
know on insurance, the non owner UH policy that Brian
was talking about, what does it?

Speaker 4 (54:55):
What does it mean?

Speaker 2 (54:56):
If you drive cars that are at work or from
other people, and you drive a lot of non owner cars,
you can get a policy, but it will never listen
to this. This is what's weird about it. You can
get a policy so you'll get medpay. You can get
a policy for liability. You can get a policy for
a number of things, but it will never pay if

(55:19):
you're driving a car that you own. It's exactly opposite
of what you think, so it will never do that.

Speaker 4 (55:31):
You must have.

Speaker 2 (55:35):
Policies for your cars, if you get a policy for
yourself non owner.

Speaker 4 (55:40):
I used to do that, and I remember now I
looked it up when.

Speaker 2 (55:43):
I had cars through purifoic Chevrolet for years and years,
when I had the advertising deal and I endorsed them.
They had their own insurance, but they didn't necessarily cover
the type of things that I needed because they were
owned by the dealership. So what I had to do

(56:04):
was get the right kind of insurance for me like
medpay and stuff like that and excess liability or things
like that. And that's what I did. So it does work,
but only for cars you do not own. So that
was a text on that one. And I have another
text and this. I'm gonna let Mark talk about this
because this is at my Google number seven four seven,

(56:29):
and someone wants to know, truly because they heard me joking.
I need to check on Taylor Swift and see what
she thinks about this issue when it came to a
consumer problem. Does do you believe and I'm serious now
when I'm asking this, that her endorsement can make a difference.

Speaker 5 (56:48):
You mean for the election or for her ticket sales?
What are you talking about? No, for the election, I
doubt anybody is swayed by Swift. I doubt anybody gets
swayed by kid Rock as well. So I'm not saying anybody.
I guess there are people that might, but no, I'll

(57:09):
bet you a thing.

Speaker 2 (57:11):
I'll bet you that kids from eighteen to twenty five
will do what she says.

Speaker 4 (57:19):
I think.

Speaker 5 (57:19):
I think she'll see sales go down or demand. I mean,
she sells out and probably will continue to sell out
because Honestly, she's a great artist.

Speaker 4 (57:29):
I wish she didn't come out and do it.

Speaker 5 (57:31):
I'm really shocked, and people are going to go, well,
she's thirty or whatever, but I'm really shocked her dad
and manager.

Speaker 4 (57:38):
I bet they really didn't want.

Speaker 5 (57:40):
Her to do that because a lot of people that
pay for the tickets for the kids to go to
the show are conservatives and they might not want to
spend that dough anymore. But I also think, you know what,
everybody can have an opinion, so who gives a crap?

Speaker 2 (57:55):
So bottom line, you feel like, I don't think it'll
move the election either way, Okay, I mean it's not
going to be a big deal, is what you're saying.

Speaker 4 (58:04):
No, I don't think so.

Speaker 2 (58:05):
Man.

Speaker 5 (58:05):
There's very few people that have that kind of influence
over most people. I mean, she probably is one that
does have some influence, But those people are going to
vote Biden already.

Speaker 4 (58:16):
I mean, I don't think that really matters.

Speaker 7 (58:18):
Hey, I think the ones that are gonna be swayed
are the teeny boppers of fourteen fifteen, sixteen can vote?

Speaker 5 (58:25):
My god, what was that from nineteen fifty five? The
teeny boppers or what do you call them, teenagers, millennials, millennials. Hey, Tom,
I want to ask something though, Yeah, you ready for
uh uh truth and honesty. Yeah, what's the biggest We're
talking credit cards and people having too many and financial issues.

(58:46):
What's the biggest financial mistake that you've made? Oh my god,
I got to ask you, man, I mean, in your life,
what is the biggest the biggest one?

Speaker 4 (58:56):
Seriously?

Speaker 2 (58:58):
Okay, it was both, Okay, part of it was a mistake,
part of it was a wealth builder. And I'll tell
you what it was. Real estate. But specifically, I don't
know how to this is weird, but specifically the way

(59:19):
I did.

Speaker 4 (59:19):
It, I don't know what you mean.

Speaker 2 (59:22):
Okay. I had real estate that on paper and everyone
it wasn't like exaggerated either that I was into for
thirty dollars a foot. Let's say commercial real estate that
on a bad day, on a bad day, it was
sixty dollars of foot on a bad day, and on

(59:46):
at and most of the time it was selling for
seventy five to eighty five dollars of foot.

Speaker 4 (59:51):
Okay, most of the time.

Speaker 2 (59:53):
Now, I mean it doesn't matter.

Speaker 4 (59:56):
This is many years ago.

Speaker 2 (59:57):
But then it went up right after the recession, it
went up to uh one hundred and eighty dollars of foot.
But what here, here's what I'm getting at, is when
you have equity on paper like that. So I was
into it for thirty dollars a foot and.

Speaker 4 (01:00:16):
What was it like? What is that equal? In total?

Speaker 5 (01:00:18):
It's the highest amount. Well, okay, what that means is
one hundred million?

Speaker 2 (01:00:23):
Well no, no, no, okay, in aggregate, in total. Since
we're all being honest and I want people to learn,
I had about thirty million in loans and about sixty
million in value.

Speaker 4 (01:00:40):
Okay, so I was deal. I was fifty.

Speaker 2 (01:00:44):
Percent, and then I had money and other things.

Speaker 4 (01:00:48):
But what happened was, and I've said.

Speaker 2 (01:00:50):
This before, in the economy, the FDIC doesn't have enough
money to ensure everyone.

Speaker 4 (01:00:58):
Okay, they don't. And when people.

Speaker 2 (01:01:01):
Start getting nervous about the economy, they draw money out
of their banks, or they they don't invest as much
in banks. So now the FDIC has even less. So
here's the point I'm making. The government made a terrible
mistake by telling banks that they could know that they

(01:01:21):
were afraid banks would fail, and told them that they
needed to get out of real estate.

Speaker 4 (01:01:29):
And so banks were not renewing loans. And this is
all what nine eight I mean.

Speaker 2 (01:01:34):
This is the banks were not renewing loans. So now
if a bank doesn't renew a loan, the commercial operator.
No one buys a twenty million dollar property with ten
million dollars down thinking they have to come up with
the other ten million. That's not just like when you
buy your house, you put down payments. So when you're
sitting on real estate with loans and then those loans

(01:01:59):
are not renewed, it's not like a thirty you don't
get thirty yr business loan. So loans have to be
renewed and they can review them. There's a regulation z
they can review them based on value. So when they
were not renewing loans and you had downtown, I was
one of the owners down there. When you have one
hundred owners downtown or fifty owners that can't get loans renewed,

(01:02:21):
what do they do with their property? They can't pay
them off, they don't have the money, so they put
them up for sale. So when you have fifty or
one hundred properties going up for sale all at once,
what happens to the values? Right? So the land that
was astronomically valuable, was now being valued by the FDIC
at twenty and thirty dollars a foot compared to seventy

(01:02:44):
five and eighty. And it almost happened overnight, and the
FDIC was thinking, we're helping banks by shedding real estate.

Speaker 4 (01:02:52):
What they did was created a frenzy.

Speaker 2 (01:02:55):
To sell crash prices, and then the loans were called
because they were bad. They were no longer were not
renewing it. Now those loans are bad. So you're faced
as an investor, what do I do? I have to
come up with millions to pay off the loan. No one,
no one can do that. That's you don't buy stuff
like that. So you have to either come up with

(01:03:17):
millions to pay off those loans, or you have to
find investors. And if you find investors, they say, well,
the property's not worth what it used to do will
help you. So you go to the bank and say,
I'll tell you what we'll settle for eighty or ninety
cents on the dollar because that's where my investors will
help me.

Speaker 4 (01:03:37):
And the bank said no.

Speaker 2 (01:03:39):
And I said, to the banks, just like every other owner,
but what's going to happen if you don't settle with me.
And they said, we're going to sell it on the
open market, and I said, what would happen? Then I
talked to the FDIC and they told me we'll probably
get twenty cents on the dollar. So what they were
willing to do is to put it up for auction
and have it sold at twenty to thirty cents, rather

(01:04:02):
than taking eighty or ninety percent from the lenders from
the borrowers.

Speaker 4 (01:04:07):
And I said, why would you do that.

Speaker 2 (01:04:09):
Here's what they said, because if we make a deal
with borrowers, we are forgiving debt and we look bad.
But if we put it on the open market and
investors buy it for twenty or thirty cents, people will
just conclude that's what it was worth. But I said,
you're literally losing money on purpose and creating even more crisis.

(01:04:32):
And they said, that's the way the system works. But
no one knows that, No one understands that. They all
think like they all think like, well, if you take
out a loan, you should be able to pay it off,
and virtually no one in business, so it's being called
over leveraged. That's the mistake, the biggest mistake in the
world being over leveraged. I'm Tom Martine. We have more
coming right up. Go with a sure thing Denver's Best

(01:04:59):
roof Excel Roofing dot com. You don't pay a cent
until you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass Insurance. Paying too much
your coverage at dozens of insurance companies find out now
three oh three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the

(01:05:20):
real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two.
Hi Tom Artine, your troubleshooter. Three oh three seven one
three talk seven one three eight two five five Welcome
to the show. Three oh three seven one three talk.
We are here to help you solve your problems, answer questions,

(01:05:41):
take complaints, and make your life a little easier. Now
I'm going back to Uh, I'm trying to find my
my tech. Oh there it is in my text. Okay.
So Taylor Swift is thirty four years old, and when
she send Hound her endorsement, thirty five thousand more people
registered to vote immediately. Then someone else said she's going

(01:06:05):
to have a tremendous effect on people voting. Younger people,
and you can almost bet younger people, whether she endorsed
or not, would go for Kamala. I just think it's
a fact of life that we're going to have her
as president. And I just don't think there's anything you
can do about it. It's just not gonna it's it's

(01:06:28):
there's nothing you can do about it. And all the
coaching in the world won't help Trump because he just
thinks he knows and he has a great base. I'm
not saying he doesn't, but God Almighty, I think the
guy could convert a lot of the keep his base.
He could keep him Mark wouldn't abandon him if all
of a sudden he had a little more decorum and
didn't brag about his crowd size all the time, and

(01:06:51):
and and yet not only would he keep his p one,
his primary one, his primaries, he would go and get
new people there. People that just I swear to God,
I have never seen more hate in my life for
any one candidate. When people hate him, you either like
him or you absolutely there's no balance. You hate hate,

(01:07:15):
hey hey hey hey, hey, heye it's it's incredible to
me anyway. Three oh three seven one three talk seven
one three eight two five five. Really, can you honestly say, Mark,
can you say you've ever ever seen such hatred for

(01:07:36):
a candidate?

Speaker 9 (01:07:36):
Ever?

Speaker 4 (01:07:37):
And I ask why why Mark is not here right now?

Speaker 6 (01:07:40):
Tom?

Speaker 2 (01:07:41):
Okay, why why do you think we have such hatred?
I'm really serious? Why why?

Speaker 7 (01:07:45):
Because of who he is is, his personality and also
his his policies are so contradict contradictory to the woke
generation that the combination of those two fat does make
him so hated.

Speaker 4 (01:08:02):
Now here's the deal. It's just the way.

Speaker 2 (01:08:08):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation in
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three O three
seven to seven to one help. You'll think you're his

(01:08:29):
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two. Hi, Tom, Martino,
you're a troubleshooter three O three seven one three talk
seven one three eight two five five.

Speaker 4 (01:08:47):
Welcome to the show.

Speaker 2 (01:08:48):
We're here to solve your problems, answer your questions, take complaints.
And we only have a few minutes left in this hour.
We'll come back with a lot more. And it's really
important though that people know about the wise use of credit.
I mentioned that, and I do have some other tips
on that and what people are doing. But even if

(01:09:11):
you have multiple cards, remember this, you have to rotate them.
It's really literally a management of credit, not just having
the credit. By the way, somebody just texted me again,
I'm getting these texts. I'm not making them up. Trump
is very polarizing, much like Hillary Clinton was. There's really

(01:09:31):
not a whole lot of lukewarm feelings toward him. There
passionately love him or passionately hate him. Well, we have
more coming up on the Treiber Shooter Show. Get your
calls in or text. You can text me at five
seven seven nine or my Google number as well, which
is seven four seven nine nine nine fifty two point eighty.

(01:10:02):
Go with a sure thing. Denver's Best roofer excel roofing
dot com you don't pay a cent until you're content.
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer

(01:10:24):
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two ripped up.

Speaker 7 (01:10:39):
News.

Speaker 4 (01:10:41):
So you don't have.

Speaker 1 (01:10:44):
Come run anxious as fast as we can. Shooter's gonna help.

Speaker 4 (01:10:50):
Come Dix is the Troubleshooter show.

Speaker 2 (01:10:54):
No Tom Martino, Hi Tom Martino, your Troubleshooter three oh
three seven one three talk is our number seven one
three eight two five five. It's also important that you
know you can. You can call three oh three Martino
three oh three six two seven eight four six six

(01:11:15):
and then do your thing. Give us a call or
tell us what the problem is. If we're there, we answer.
If not, you leave a message and we will get
back to you and we will talk to you about it.
So you don't have to wait or anything. So you
can also text us at five seven seven three nine.

(01:11:38):
You can also go to nextdoor or Instagram or TikTok
or anything and any social media where that I'm also
whatever in Instagram, LinkedIn, and you can leave messages for
me and we'll be happy to talk to you. I
get a lot of inquiries that way. The problem is

(01:11:59):
some of the inqurease are so freaking weird. I'm going
to give you an example. I mean, I'm serious, I
got a lot. Okay, Okay, this one's pretty normal. Is
there a way to avoid paying for scratches or dense
when returning your leased car?

Speaker 4 (01:12:18):
Well, the answer is no, not if you're the one.

Speaker 2 (01:12:21):
That did them. So it's important to do a video
walk around of your car. Even if they do one,
do it yourself so you can't be charged twice. Here's
another one. Is it possible? And the reason I said
it's weird, they're all car questions for some reason, some
of these texting, some of these social media platforms. Just

(01:12:44):
ask me. Okay, this one. Is it possible to terminate
a lease early if the value of the car has
significantly decreased, Well, that would be terrible, and it's not
even or beyond normal preciation. It doesn't matter if the
car increased or decreased. Terminating early is never a good idea, ever, ever, ever, ever, ever, ever.

(01:13:13):
There is one exception. Okay, I shouldn't say this. You're
not really terminating the lease. You're paying it off. And
here's how you do it. Not in the case where
the car went down in value, but where the car
has gone up in value. You can find someone who
wants to buy that car. Then you can buy that

(01:13:36):
car out early and then resell it to that person.
So there is kind of a way to get out
of it, but it's not necessarily getting You know, you're
not undoing the lease, you're kind of paying it off.
And that's the thing about a lease. I've said it before.

(01:13:57):
If you're not going to live by the terms of
the leaf, if you're not going to truly be there
for the whole time and drive it accordingly, if you're
not going to live up to the terms, you have
really screwed yourself. Now, can anyone help me? Listen to
this one? Get rid of Bluetooth speaker? Can any help

(01:14:24):
me get rid of Bluetooth speaker on bus or non
Bluetooth ones? I want to connect to it. Hold on,
turn off, I'm going to read it exactly here. Let
me just read it. Can anyone help me to get
rid of bluetooth speaker on bus or non Bluetooth ones?
I want to connect to it and turn off or freeze.

(01:14:48):
Help me with hacking tool or codes. I am irritated
by music they play while traveling.

Speaker 4 (01:14:55):
So he's a nut. What the hell do I don't
even know what this means?

Speaker 14 (01:14:59):
You to turn off somebody else's Bluetooth speaker. They must
be playing it somewhere.

Speaker 4 (01:15:03):
Oh, a hack or something.

Speaker 2 (01:15:05):
Okay, you know it takes a nut to know a nut.

Speaker 4 (01:15:10):
Okay, I'm still trying to reboot. I still hold on dragon.
Explain that to me again.

Speaker 14 (01:15:14):
So he's sitting on a bus and say somebody another
passenger has a Bluetooth speaker playing music that he does
not like. Oh, he wants to turn off that bluetooth speaker.

Speaker 5 (01:15:25):
I mean that's eating Walk over there and turn it off.
I don't know how else he would do that. What
else would do.

Speaker 2 (01:15:32):
Is Chopper is chop? Chopper's not there is he He's
just online? Chopper. Listen to this question. I got what's
the difference between a Huey helicopter pilot and a regular
helicopter pilot. I thought it was like a joke and
I was going to have a punchline. But it's not.

Speaker 4 (01:15:47):
There is no difference.

Speaker 2 (01:15:49):
I mean pilots, helicopter pods or helicopter pods. You can
almost fly anyone you put you sit in.

Speaker 4 (01:15:54):
Except for one, I would, except for one.

Speaker 2 (01:15:56):
What what? What? What were you going to say, Mark?

Speaker 4 (01:15:59):
I was going to say the and they fly around
the president.

Speaker 2 (01:16:01):
And that one with the two Oh my god, isn't
there two pilots? Here's like one you know, I don't
actually know Chopper. It was he in the military. I
don't know those things. They're like two separate helicopters, the
front and the back. I can't even imagine one pilot
flying that Obama.

Speaker 4 (01:16:20):
Well, it's.

Speaker 6 (01:16:24):
It's called a k it's a dual rotor blader.

Speaker 2 (01:16:26):
Yeah, but but no, it's more than dual rotor.

Speaker 6 (01:16:29):
Bro A rotor blade is a blade in front in
the back.

Speaker 15 (01:16:34):
Yeah.

Speaker 2 (01:16:34):
But there's there's two complete motors engines or maybe four,
two in each. No, seriously, it's like crazy. I want
to know. Okay, I'll just.

Speaker 5 (01:16:46):
Ask my Actually, Marine one, hold on, Marine one is
not a chinook. It's a Squadron one h m X
one Nighthawk.

Speaker 2 (01:17:00):
I'm just asking, does it take two pilots to fly
a Chinook helicopter? I should know that he.

Speaker 4 (01:17:06):
Looks like old school compared to this.

Speaker 2 (01:17:08):
No, I'm not talking about I'm not talking about copilot,
you know, for safety. I'm talking It says it requires
two pilots. The crew for a chinook generally consists of
two pilots and two crew members the effective management of
these complex systems. The tandem rotor is a separate Gosh, oh, Mike,

(01:17:30):
you're flying to.

Speaker 4 (01:17:31):
Hell that Marine one is not a chinook or not
a dual.

Speaker 6 (01:17:35):
Uh oh, it looks like a ball.

Speaker 5 (01:17:38):
You know what.

Speaker 4 (01:17:38):
Here's what's weird.

Speaker 5 (01:17:39):
I'm totally screwing this up because Marine one is whatever
they hell the President said, it doesn't matter what kind
of helicopter it is. So Actually, they do have some
Marine ones that are dual that are chinooks.

Speaker 2 (01:17:53):
Yeah.

Speaker 5 (01:17:53):
If he's in a chinook, the president, if Biden is
that's Marine one.

Speaker 2 (01:17:59):
Yeah, they call it that when he gets in it
on his normal motor transportation.

Speaker 4 (01:18:02):
It is from the White House to the airport.

Speaker 7 (01:18:05):
What.

Speaker 6 (01:18:07):
No, I've never seen the president walk out of a Chanook.

Speaker 5 (01:18:11):
I saw him fly over Obama, going from somewhere around
DA or whatever the Air Force base is over to
Boulder years ago.

Speaker 4 (01:18:19):
And it was the most awesome thing I've seen. Man, Okay, they.

Speaker 7 (01:18:24):
Hold like eighty passes choo looks like it has Pirrone's disease.

Speaker 2 (01:18:30):
Man. There, it's so I'm asking how like like I
wish i'd taught. I'm sure people listening the Chinook used
this complex mechanical mixing units, so one could theoretically Jesus,
I mean it coordinates front and back and one could
theoretically do it.

Speaker 4 (01:18:48):
I couldn't even imagine.

Speaker 2 (01:18:50):
I can't even imagine the complexity of that one thing. Obviously,
Well I don't know. I shouldn't say obviously. Anyway, Tim,
what is your question on car insurance? Go ahead, sir Tim?

Speaker 4 (01:19:02):
Oh?

Speaker 11 (01:19:03):
Yes, hey Tim. And the reason I'm calling we got
some insurance coverage costs for automotive residential and we waited
for a little bit before we decided to go ahead
and have them do the coverage.

Speaker 2 (01:19:22):
Now, this was a combined policy, right, and not a
not one policy, but I mean a group policy, right,
with everything on with one company.

Speaker 11 (01:19:31):
Yes, it was all the same but they are all
separate policies.

Speaker 2 (01:19:35):
Right, they're separate policies but the same underwriter. Yes, and
it's home. And how many cars?

Speaker 11 (01:19:44):
There were four automobiles, one resident and one rental.

Speaker 2 (01:19:48):
Oh okay, so tell what about it?

Speaker 11 (01:19:53):
Well, they decided they wouldn't give us the coverage and
it wasn't from anything that on any record.

Speaker 2 (01:20:01):
Wait a minute, they they they said, we changed our mind.
Did they ever bind you, did they send you anything
or did you just talk to them about it? No?

Speaker 11 (01:20:11):
We talked to them and then we got the gout
in writing the costs and the coverages and all.

Speaker 4 (01:20:16):
How much is the cost?

Speaker 11 (01:20:20):
Well, the one for the uh for the residential?

Speaker 4 (01:20:24):
No, I mean, ohkay?

Speaker 2 (01:20:25):
Did you did you get one cost or did you
get four three different costs? Oh?

Speaker 11 (01:20:30):
I got some some other covers.

Speaker 2 (01:20:33):
No? No, what I mean is this? You got home, auto,
and rental. Did they break it down as three estimates
or did they break it down or did they just
give you one estimate? Or did you get one for
each car, one for the home and one for the rental.

Speaker 11 (01:20:46):
We got one for each car, one one each for
each word, So.

Speaker 2 (01:20:50):
You in essence have six estimates. Yes, okay, okay, So
tell me what did they add up to.

Speaker 11 (01:21:02):
Cost wise?

Speaker 2 (01:21:03):
Yeah, I'm just curious what they all added up to.

Speaker 11 (01:21:06):
For each for each one, okay, well we had two
thirty four dollars on Well, I'm not.

Speaker 2 (01:21:13):
Going to add him up on the air if you
haven't added him up, that's okay. I don't want to
go through each one right now. So, uh, the reason
there's a reason I'm asking, by the way, and I
also want to know who's the carriers.

Speaker 11 (01:21:25):
The foremost insurance group, And.

Speaker 2 (01:21:29):
That's okay, foremost is the is the broker?

Speaker 11 (01:21:34):
No that the broker would No, that's not the broker.

Speaker 2 (01:21:37):
That is your carrier.

Speaker 11 (01:21:40):
That would be the carrier.

Speaker 2 (01:21:41):
Yeah, and okay, and then they said we changed our mind.

Speaker 11 (01:21:46):
Right, they've told the broker that the cost of insurance
is going up so high. Right, there's coverage that the
coverage on the on the house was seven hundred thousand,
and and they said that they're not going to do
anything more than five hundred thousand.

Speaker 2 (01:22:05):
Well you could never do that, of course, of course not.

Speaker 11 (01:22:08):
Yeah that's what I thought too.

Speaker 4 (01:22:10):
So what are you did you have?

Speaker 2 (01:22:12):
You heard us talk about compass insurance and the insurance
check up no, I have no Let me explain it
to you because I want to get him on and
I want to do a live example. No obligation to you,
no cost to you whatsoever. I want them to run
numbers during the show. And actually, Tim.

Speaker 4 (01:22:33):
I do have a question though, So.

Speaker 5 (01:22:34):
They they they binded you, and then they came back
and said, what no homeowners right, or they wouldn't cover.

Speaker 2 (01:22:41):
It up to the seven hundred. I don't think he
ever had a binder. I think he had an estimate.
But go ahead, and well.

Speaker 4 (01:22:46):
That's what I'm asking. Did they bind you?

Speaker 11 (01:22:50):
They they'll know.

Speaker 4 (01:22:51):
So what is your What was your main question?

Speaker 9 (01:22:53):
Though?

Speaker 4 (01:22:54):
Are they allowed to do that?

Speaker 11 (01:22:58):
I don't know? That's why?

Speaker 2 (01:22:59):
No, No, that are you asking? Why did you call us?
Is what Mark's asking? Are you calling because you think
they did you wrong by canceling?

Speaker 11 (01:23:09):
Well, I expected to be able to purchase the insurance
company for the amount that was on the policy, but.

Speaker 2 (01:23:17):
You did, but you don't have It depends you didn't.
I don't think you had a contract. But even with
a contract, insurance is still cancelable by the company. With us,
they'd have to bind you for at least I think
thirty days or something.

Speaker 5 (01:23:32):
It's say thirty or sixty. That's what I was going
to say. So the bottom line is, I don't care
if it's State Farmer. The people at Compass. What happens
is they go ahead, they get the you know, the
original okay from the insurance company. Even if it is
the insurance company like State Farm, and they bind you immediately.
You should never cancel your coverage with the other company

(01:23:52):
at that point because what can happen is they can
come back and do exactly what they did to you, Tim,
and there's nothing illegal.

Speaker 4 (01:24:00):
I don't even know if there's anything wrong. Let's find out.
Let's call.

Speaker 2 (01:24:04):
Let's get Compass on the line. And Paula has an
insurance question too, so hang on, both of you. Let's
get Compass Insurance on three oh three seven one three
talks seven one three eight two five five. We may
also want to get Joe Kanna on for the life
insurance question, because he does know a lot about life insurance.
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(01:25:10):
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation comparison call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three all three seven to seven
to one help. You'll think you're his only customer when
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(01:25:30):
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi Tom Martino, your
troubleshooter three O three seven one three talk seven one
three eight two five.

Speaker 4 (01:25:48):
So I want to talk to uh.

Speaker 2 (01:25:51):
We want to get what wants to who is this
po oh, Jeremy, I didn't know what. But so Paul
wants to talk about spark smart bunny. I've heard those commercials, Jeremy. First, Jeremy,
Compass Insurance Group. Listen to this one. Okay, So Tim
was going out looking for insurance. He's now, Tim, was
this your regular carrier or was it a new company

(01:26:13):
that was giving you a quote?

Speaker 11 (01:26:16):
That was a new carrier?

Speaker 6 (01:26:17):
All right?

Speaker 2 (01:26:18):
He went to a new carrier called Foremost Insurance Group
and they gave him an estimate for his home, four
cars and a rental. Okay, he liked it, so he said,
let's do it. Then he heard from them and they said, no,
we're not going to do it. That was after he
had gotten prices. Had you paid anything? Tim, Tim?

Speaker 11 (01:26:44):
No, I had not paid anything at all?

Speaker 2 (01:26:46):
All right?

Speaker 4 (01:26:46):
So what I imagine they're allowed to do that?

Speaker 9 (01:26:49):
Right?

Speaker 2 (01:26:49):
Change their mind, Jeremy, What do you think?

Speaker 9 (01:26:52):
I think what probably happened was whoever gave him the
quote didn't complete the quote, and when he said I
want to go with it, they completed it, ran all
the reports, it became ineligible for one reason or another,
and they're just not explaining what happened, because that can happen.

(01:27:12):
I don't think it would.

Speaker 2 (01:27:13):
I mean, when you quote something, you can change your
mind if you didn't give them a policy yet, right.

Speaker 9 (01:27:20):
Yeah, I mean an insurance company at any point if
the policies not bound, can change their underwriting guidelines and
it might not be eligible anymore. That can happen. But
it's much more likely the quote.

Speaker 11 (01:27:33):
He received just wasn't a.

Speaker 9 (01:27:34):
Completed quote and it turned out he was ineligible for
whatever reason.

Speaker 2 (01:27:39):
That. Yeah, the agent. The agent was trying to make
a deal and when it went to the higher ups,
they said, we can't do it.

Speaker 5 (01:27:47):
Hey, how long do you have to bind somebody in
Colorado for like all the carriers you guys deal with
in case in case the carrier rejects it after a while.

Speaker 9 (01:28:00):
If it's bound, there's a thirty day underwriting period. Okay,
So the underwriter can they can send out an inspector
and they could say, hey, no, this roof is falling off. Yep,
we need to have it replaced.

Speaker 2 (01:28:11):
They got it, okay, But but.

Speaker 5 (01:28:13):
If you canceled your other insurance, I thought they had
to give you a certain amount of time to find
a new one.

Speaker 9 (01:28:19):
Do Yeah, so they have to give you they have
to do that inspection within thirty days. Then from whatever
date they give you notice, they have to give you
another thirty days to find new insurance.

Speaker 2 (01:28:30):
Okay, here's what I want to know. Then, I mean,
that all makes sense to me. So it's it's a
binding process. But he didn't even get bound. I don't
think he got bound. I think they just quoted him.
So what I want to know, though, I want to
do a live comparison right now, and I want him
to talk to you off the air and before the
end of the show. I would like to know what

(01:28:52):
you guys, the best thing you guys can find since
insurance a compass insurance does these checkups, they tell you
if they can do a job or not. They just
tell you straight up, we can beat what you have
or we can And he has nothing right now. But
I just want to know for the hell of it.
This sounds like he can probably give you enough information
that you can give him an estimate.

Speaker 11 (01:29:13):
Right sure, yeah, absolutely, yeah.

Speaker 2 (01:29:16):
We're talking about a home, four cars, and a rental.
And by the way, he said his house was valued
at about seven hundred and foremost will only go to
five hundred. Now, did they say they would only go
to five hundred because of your home, tim or be
because that's their limit.

Speaker 11 (01:29:35):
Because that was their limits. But there's some said that
in Colorado they're not going to ensure anything more than
five hundred thousand.

Speaker 5 (01:29:42):
Yeah, State Farm in some areas will only do a million.

Speaker 2 (01:29:47):
Okay, So Tim, hang on, Kachina. I want you to
get Tim's number for Jeremy, but I want him to
stay on right now because we have a question from
PAULA about life insurance. And maybe you don't oh wait, wait,
this is about a death certificate. But let's go to
Paul with a you want to talk Paul about smart

(01:30:09):
Bunny real quick, go ahead, and then I'll go to Paul.
So Paul, right now, go ahead, Paul, Paul.

Speaker 16 (01:30:15):
I've heard of these commercials recently, quite a few on
radio about smart Bunny insurance. I asked Jeremy, what is
this a full service company or is it just for
supplemental insurance, travel insurance or disaster.

Speaker 6 (01:30:29):
And supplemental and that kind of thing.

Speaker 16 (01:30:33):
That's a quick answer.

Speaker 11 (01:30:34):
Supplemental.

Speaker 5 (01:30:34):
Well, it's life insurance, phone insurance, final expenses for death,
renters insurance, travel insurance is that what it is?

Speaker 2 (01:30:43):
Mark, Yeah, so it's not regular insurance.

Speaker 9 (01:30:47):
No, okay, okay, yeah, I got you.

Speaker 2 (01:30:50):
Yeah, Jeremy, have you heard of smart Bunny?

Speaker 9 (01:30:54):
I haven't, to be honest with you, we don't do
anything with supplement policies and be something we would have,
but just personally, I have not actually heard about.

Speaker 2 (01:31:04):
It's it started out with phone insurance, by the way,
phone insurance, yeah.

Speaker 4 (01:31:11):
All State does one.

Speaker 5 (01:31:12):
I forget what they call it, but all State has
something very similar.

Speaker 9 (01:31:16):
Yeah.

Speaker 2 (01:31:17):
Well that's how they started, you know, to use it
to you know, say that again.

Speaker 9 (01:31:22):
Called covers it too. The visa card.

Speaker 4 (01:31:27):
Oh cool, wait your phone?

Speaker 16 (01:31:31):
Yeah, I mean not for losing it, but for damage
to the phone. If I pay with my Wells Fargo card. Yeah,
every month, it covers uh, the replacement of the repair.

Speaker 9 (01:31:42):
Of the phone if it is damaged.

Speaker 5 (01:31:44):
And my venture X does the same thing town, but
I think mine includes theft too.

Speaker 2 (01:31:50):
You know, phone insurance is not a bad idea, and
I came to that. I came to that conclusion with
my two kids. I mean, oh my god, no.

Speaker 4 (01:32:01):
Really, it's not a bad idea.

Speaker 2 (01:32:03):
Now we have a deductible though, I mean I had
to pay for his phone. But it's it was ony
twelve dollars phone for the Promax and all that. And listen,
I only, I say only I paid two thirty to
get it replaced. I don't know, but because he left
it on his car hood and took off. So anyway,

(01:32:25):
that is that is that is what that is, smart bunny.
They started with phones and they moved into other auxiliary places.

Speaker 4 (01:32:34):
Okay, so thank you Jeremy.

Speaker 2 (01:32:36):
By the way, Compass Insurance Group, the Insurance Health Center
dot com three h three nine ninety six nine thousand,
let's have you back, try to be before the end
of the show to give us an idea of what
that would cost. And Tim, I'd like to get your
impression on the process of doing that because we always
talk about the insurance help Center and the free insurance checkup. Paula,
I'm going to come right back to you. Promise you

(01:32:58):
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(01:33:20):
your coverage at dozens of insurance companies find out now
three all three seven seven to one. Help. You'll think
you're his only customer when you choose Frank durand the
real estate man dot Com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two.

(01:33:42):
Hi Tom Martino, you're a troubleshooter three oh three seven
one three talk three oh three seven one three eight
two five five Paula, Hi, Paula, what's going on with you? Hello?

Speaker 17 (01:33:54):
Paula, ye, are can you hear me out on me?

Speaker 2 (01:33:58):
I can hear you? Just find what's going on on?

Speaker 17 (01:34:01):
Okay? So, my brother in law just passed away through
about three weeks ago, and my sister's trying to see
if her insurance will pay for the life insurance policy
that she thought she had. They're saying it was just
covering accidental death.

Speaker 2 (01:34:18):
It was life insurance only for accidental death. Is that
what they told you?

Speaker 17 (01:34:23):
Yes? Hmm, okay, So unless the coroner rules that it
was an accident, they will not pay it. So we're
trying to figure out what we need to do because well, hold.

Speaker 2 (01:34:38):
On, how exactly did it happen?

Speaker 18 (01:34:41):
By the way, he.

Speaker 17 (01:34:43):
Was eating a hamburger and she choked.

Speaker 2 (01:34:48):
And did they say what did they say it was? Well,
what are they claiming it's anything? Or are they just
asking you?

Speaker 17 (01:35:00):
No, they're claiming the coroner said that he doesn't believe
it was an accident because he had difficulties swallowing.

Speaker 2 (01:35:07):
But wouldn't that be an accident? Or are they saying
it's a health issue.

Speaker 17 (01:35:13):
They just said that they consider that natural causes.

Speaker 4 (01:35:19):
Natural causes?

Speaker 2 (01:35:22):
Okay?

Speaker 19 (01:35:23):
Why?

Speaker 9 (01:35:24):
Yeah?

Speaker 17 (01:35:24):
And I looked on the CDC Corners Handbook thing and
it says natural is due solely, ordinarily totally to disease
and or aging process accident. It says there's little or
no evidence that the injury or processing or poisoning occurred

(01:35:50):
with intent to harm or cause death.

Speaker 2 (01:35:53):
Yeah, what do you think, guys?

Speaker 4 (01:35:56):
Doc? Deputy doc, he's coming, he's coming. What was the question, Tom?

Speaker 2 (01:36:03):
Well, he choked and she has accidental death insurance? Is
that accidental death? They're saying it could be a health issue?
Because what are they saying like he had a problem?
Get me, I don't understand why there's go ahead.

Speaker 17 (01:36:20):
Yeah, my sister tasted me this morning and she said
that the coroner does not believe it was an accident
because he had difficulties swallowing.

Speaker 5 (01:36:28):
You know who would know about this because I buy
a policy through him, Tom is John Joneses.

Speaker 4 (01:36:34):
Okay, let's talk to you, Kelly. Let's get in Tagron.

Speaker 2 (01:36:39):
That's a good one. That's a good one.

Speaker 5 (01:36:42):
Because it's coming down to what the coroner says. I mean,
it is curious if you had don't some people, as
they get older, maybe dementia, stuff like that, literally swallow
their tongues and die. Well, no, you can't swallow your
tongue really, now, Okay, I always thought that I really did.

Speaker 2 (01:36:57):
Yeah, yeah, I used to hear that too. That's a myth.

Speaker 6 (01:36:59):
R Smith, try it. You can't.

Speaker 7 (01:37:01):
There's no way to get your tongue well all the
way back.

Speaker 17 (01:37:04):
It would work.

Speaker 4 (01:37:05):
No, in my luck, it would work.

Speaker 7 (01:37:07):
But if she had it, if she did have a
pre existing disease, like some sort of esophageal or swallowing issue,
it would That's the only way they could not call
it accidental.

Speaker 6 (01:37:18):
But those those diseases are very.

Speaker 4 (01:37:20):
Rare, I wonder.

Speaker 2 (01:37:22):
And then here's the other question, Tom, So it's most
likely accidental as well, I think so.

Speaker 5 (01:37:27):
Yeah, But does it come down does it purely come
down when it comes to cause of death and the
insurance company and payouts. Is it purely whatever the morgue
says or not the morgue what's yeah the coroner puts
down on the desert.

Speaker 7 (01:37:42):
Yeah, because you know, you can always get a separate
you can always have another autopsy done by an outside agent.

Speaker 5 (01:37:49):
I would think the big ones are like when they
have a suicide clause and they're saying, no, it wasn't suicide.

Speaker 4 (01:37:55):
Someone murdered him. So it really does come down to
whatever they say though.

Speaker 7 (01:37:59):
But you know, there are one two guys that are
always on television that were corners in New York or California,
and you can high you.

Speaker 4 (01:38:06):
Can always get I know one of them you're talking about.

Speaker 2 (01:38:08):
You.

Speaker 7 (01:38:09):
You can always get a second opinion on the cause
of death.

Speaker 5 (01:38:12):
Well, let's let's take a break on time tom and
then we'll come back and talk to the people.

Speaker 4 (01:38:18):
All right, thanks, we got more, I got something or other.

Speaker 2 (01:38:25):
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Time for an insurance check up, free no obligation comparison
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of insurance companies.

Speaker 4 (01:38:43):
Find out now three O three seven to seven to
one help.

Speaker 2 (01:38:46):
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino, your troubleshooter three O
three seven to one to three talk seven one three

(01:39:07):
eight two five five. We're trying to get Integra on Paula.
But this is you know, according to Deputy Doc, most
choking deaths are accidental and there's very few and rare
conditions where it would cause your husband or no, wait
was this your husband? No, your brother in law to choke? Now?

(01:39:27):
How much is the insurance policy?

Speaker 17 (01:39:29):
By the way, two hundred fifty thousand.

Speaker 2 (01:39:33):
That's a major deal. Did they show medical What did
the coroner say? From all?

Speaker 17 (01:39:42):
From what I understood is that he just said it
was natural causes because he had difficulties following.

Speaker 2 (01:39:48):
Well, what does that mean? Natural causes for difficulty? I mean, well, okay,
all choking, I mean, couldn't all choking be that? What
would be an accidental choking? Then see that's a I
don't know what what does it mean? Difficulty? And it
was natural. But but if I'm eating chicken or you know,
like when somebody's at the restaurant, there's no one around

(01:40:08):
to do the heimlech.

Speaker 4 (01:40:09):
They die.

Speaker 2 (01:40:11):
Yeah, that's accidental, right, Doc?

Speaker 7 (01:40:14):
Yeah, absolutely so unless he had if he was uh
incompetent or had some kind of disease.

Speaker 2 (01:40:22):
Uh yeah, did he Did he have a disease or
any kind.

Speaker 7 (01:40:24):
Of a disability where he was drooling and not able
to control his muscles.

Speaker 4 (01:40:30):
Or or what do they call that?

Speaker 9 (01:40:32):
Doc?

Speaker 2 (01:40:32):
With that?

Speaker 4 (01:40:33):
Is it the i hatel or something you can but
what is the condition?

Speaker 2 (01:40:39):
Maybe that's not it where food regurgitates Sometimes you'd be
eat too fast and it's it's esophageal stricture. Did he
ever have esophageal problems or any kind of problems with swallowing?

Speaker 17 (01:40:55):
He's choked a few times before, but.

Speaker 2 (01:40:58):
It's okay, he diagnosed with any condition that would cause.

Speaker 17 (01:41:03):
That, not that they know of.

Speaker 6 (01:41:08):
How do you think this acid.

Speaker 4 (01:41:09):
Reflux isn't that kind of a form.

Speaker 6 (01:41:11):
Of massive reflux? Is something different?

Speaker 7 (01:41:14):
Okay, that's where acid from his stomach gets a little
bit up into your esophagus and gives you heartburn. So
it's not a related issue. But I would think that
dumb even if even if it was. I mean, does
that say someone who has a heart attack because he
had coronary auto disease isn't covered by life insurance because
he held.

Speaker 2 (01:41:34):
It's not life insurance, doc. He wouldn't be covered though,
by accidental life insurance. See, the heart attack was not
an a right, right, So it's not whether or not
he died, it's whether or not it's covered by accidental death.

Speaker 7 (01:41:48):
Oh so this guy did not have a regular life
insurance policy.

Speaker 17 (01:41:52):
Right, No, it was just accidental.

Speaker 2 (01:41:57):
You know, we had it. We got to get someone
on about this, Paula, This.

Speaker 12 (01:42:02):
Is bo Why don't you try to contact another corner
and get a different opinion on the cause.

Speaker 2 (01:42:11):
Because I don't think you're allowed to.

Speaker 6 (01:42:13):
Yeah, I'm sure you can always get a second or top.

Speaker 4 (01:42:16):
Well, unless they cremated.

Speaker 6 (01:42:18):
Yeah, I mean how long ago did this happen, Paula?

Speaker 17 (01:42:21):
Yes, I think he's already been cremated.

Speaker 2 (01:42:26):
But here's what I need to know, Paula. Did they
delve into his medical records or just came up with
this out of their ass.

Speaker 17 (01:42:35):
No, I'm sure they dealt with his medical records before
because he had suffered some symptoms from leg surgery. He
had knee surgery and he had all kinds of problems
with that and he ended up having a stroke. But
he was recovering from that. I mean, he was fine.

Speaker 2 (01:42:57):
But did the choke incidents happened? Hold on, did the
choking incidents happen after the stroke?

Speaker 17 (01:43:07):
I think once before and once after.

Speaker 2 (01:43:10):
Well, I think I think they're going to try to
make it sound like a condition of some kind and
it wasn't accidental.

Speaker 17 (01:43:18):
And I think the main thing is because he had
dentures that he did not wear. He didn't like. He
didn't like him because they hurt. He would never eat
with just ds in.

Speaker 2 (01:43:28):
Well, that could be accidental, and I mean that doesn't matter,
that's not it's not suicide. I mean, he didn't say
I'm gonna I'm gonna gut in this chicken to die.
I mean, but here's the here's the problem is once
it's contested like that, you have to appeal it.

Speaker 4 (01:43:45):
And And now, by the way, just so you know.

Speaker 2 (01:43:49):
It's they have hell to pay if they withhold payment
unjustly I'm wondering if we could just maybe put some
pressure on him, call them and say we're looking into it,
if they would get like a little.

Speaker 4 (01:44:04):
You know what I'm saying.

Speaker 2 (01:44:05):
Sometimes that's all it takes is an inquiry from the media.
But I don't know.

Speaker 4 (01:44:11):
If he were, if it was accidental or not.

Speaker 2 (01:44:13):
Why are you guys saying it's accidental other than you
want the money and I'm serious about that. What other
than that? Why are you saying it's accidental.

Speaker 17 (01:44:21):
Well, he was in his bedroom meeting a Hamburger by himself,
and he actually did pull out the device that they
have or choking. It's like a thunder team. He pulled
that out and he was trying to get it out himself.

Speaker 2 (01:44:37):
Wait a minute, That bothers me that you said he
had a device for choking. Why hold on then, I'm
this is sounding chronic to me. Hold on, we'll come back.
Go with a sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent until you're content

(01:44:59):
time for a naturant check up free no obligation. In comparison,
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Speaker 1 (01:45:20):
Yeah, rip new need advise you don't have come run
in siousestas as we can. Shooter's gonna help come.

Speaker 4 (01:45:39):
Max is the Troubleshooter Show Now Tom Martino, Hi.

Speaker 2 (01:45:45):
Tom Martino, Your Troubleshooter three O three seven one three
talk three oh three seven one three eight two five five.
Welcome to the only show of it's kind anywhere where
we are doing everything we can to solve your problems.
And let's see, we're talking about some very interesting things.

Speaker 4 (01:46:05):
How do you determine if a death was an accident?

Speaker 2 (01:46:08):
If it's choking, they have accidental death insurance, not regular insurance.

Speaker 4 (01:46:13):
But Paula said something that bothered me.

Speaker 2 (01:46:15):
She said he had been he was eating a because
the insurance company is saying this was a medical problem,
not an accident. When is a medical problem an accident?

Speaker 4 (01:46:25):
Never?

Speaker 2 (01:46:26):
Now, if you have a weak leg due to a
stroke and you fall down the stairs, that would be
an accident even though you had a stroke, right, but
what happens if you choke? So they indicated that he
had a problem swallowing in the past, the fact that

(01:46:47):
he was in his bedroom eating alone. And then she
said something that keyed me, and that was she grabbed
for something. He grabbed for something that assists you in what.
Tell me what he grabs? Some instrument he had?

Speaker 6 (01:47:09):
What was it? Tell him?

Speaker 7 (01:47:10):
It's a device that you put over your mouth. It's
like a reverse pump and it creates a suction. And
again it's recommended for seniors who are living alone, so
that there's nobody who can help them if they're choking.

Speaker 6 (01:47:26):
There are multiple devices on the market.

Speaker 2 (01:47:31):
Okay, Still, though, the fact that he had it doesn't
mean it's using What do you mean it doesn't mean anything? Well,
that means that he anticipated choking.

Speaker 7 (01:47:41):
Well, no, it's like having a life alert thing. That
doesn't mean you're going to use it. Okay, this means
that let me mesk them. Do they recommended for people
living alone?

Speaker 2 (01:47:52):
Do you have one? I don't why because good question,
because you've never had a problem swallowing. If people are
just tuning in, we're talking about choking.

Speaker 4 (01:48:08):
Yes, go ahead.

Speaker 17 (01:48:10):
If I mean, we've actually got one of these medical
devices too for my grandchildren, just in case. It's just
a precaution.

Speaker 4 (01:48:21):
Okay.

Speaker 2 (01:48:23):
I don't want to, you know, I don't want to
make a case against you. I don't know what to do.
This is a very strange situation. I think they're just
trying to get out of paint. It is what I think.
And I'd like to add another two hundred and fifty
thousand dollars to our coffers and we keep track of
what we do for people. I have a tendency to
want to have somebody call. Maybe we have deputy DOT

(01:48:43):
call because they can't BSM as easy.

Speaker 7 (01:48:46):
Do you have a copy of the of the of
the autopsy report?

Speaker 9 (01:48:52):
Yeah?

Speaker 2 (01:48:53):
Okay, but what do we call? Do we call the
corner or do we call the do we call the
life insurance?

Speaker 5 (01:49:00):
Not going to get the corner to change it? He
could care, wouldn't you say? In most cases the corner
is just gonna put down what happened.

Speaker 6 (01:49:06):
He's not gonna he's not going to change what he
put down the report.

Speaker 4 (01:49:09):
But if you or does he care if they get
insurged whey or not?

Speaker 17 (01:49:13):
If the doctor changed it. Wait that again, the corner
would change it if the doctor. It was up to
the doctor. He said it.

Speaker 2 (01:49:21):
Well, what doctor we talked about?

Speaker 4 (01:49:23):
Hold on, this changes things again?

Speaker 2 (01:49:25):
What doctor he was under a doctor's care or a
doctor came to the house, or what.

Speaker 19 (01:49:32):
Doctor in the emergency room?

Speaker 2 (01:49:34):
So hold on, hold on the doctor in the emergency room.
So he didn't die in his bedroom exactally?

Speaker 19 (01:49:47):
Yes and no, because they brought him back.

Speaker 2 (01:49:50):
Okay, here's what I need to I don't want to
know the technic that that brought him back. Here's what
I want to know. Did he die in his bedroom
or did did? Did an ambulance come and take make
him to the r and was he awake?

Speaker 19 (01:50:04):
The ambulance took him to the R he was unconscious.

Speaker 2 (01:50:07):
Okay, but alive I doubt they transport a corpse to
the er.

Speaker 6 (01:50:13):
Okay.

Speaker 4 (01:50:14):
So they took him to the er.

Speaker 2 (01:50:16):
And when he got to the er, did he ever
regain consciousness?

Speaker 19 (01:50:21):
No?

Speaker 2 (01:50:22):
Okay, what do you mean they brought him back? You're
saying they went to the bedroom, got a pulse going
and then took him to er. Okay, So now he's
at the er and the doctor's working on him.

Speaker 4 (01:50:37):
And what did that doctor write in his report.

Speaker 19 (01:50:43):
I don't know. We haven't seen it.

Speaker 2 (01:50:45):
Because the coroner seems to be basing what he is
saying on that, because if he said history of an
older gentleman with you know, bar farcas of the esophag
gial hole, I don't know, whatever the name is given
for whatever condition he might have. I'm not saying he
had it, by the way, I'm saying if the er

(01:51:06):
doc writes in a report something to that nature, looking
at his past history, then the corners looking at it
is could that be right, doc? Or am I?

Speaker 9 (01:51:16):
Yeah?

Speaker 7 (01:51:17):
Also, I'd like to know why they didn't do an
emergency he had to be dead, because if he was
so kind at a pulse, they would have done an
emergency trache out of me, just put a whole Like
you said, they.

Speaker 2 (01:51:29):
Did a trade hold on they did a trache out
of me.

Speaker 6 (01:51:33):
No what I'm saying they would have, don't.

Speaker 2 (01:51:35):
She just said they did?

Speaker 17 (01:51:36):
Did they did?

Speaker 9 (01:51:38):
Right?

Speaker 19 (01:51:38):
Sure they did?

Speaker 2 (01:51:41):
Did they do that? Okay? So when they did that,
did they hook up a breathing apparatus?

Speaker 10 (01:51:49):
Yes?

Speaker 2 (01:51:50):
Yes, So what happened? Why didn't they get past the
the blockage? Then? If they did that, they.

Speaker 19 (01:51:58):
Couldn't find a scooke small not to fit to push
the food through the trake.

Speaker 2 (01:52:02):
Ya wait a minute, but with the tracheotomy, he's breathing, right,
that would give them time to do surgery. Right.

Speaker 7 (01:52:13):
Well, yeah, I mean, if he had any function left,
the tracheotomy would allow air to go back and forth.

Speaker 4 (01:52:20):
And so that's what I'm asking was the was the lodge.

Speaker 2 (01:52:24):
Was the food lodged below where the trake was set
or above it?

Speaker 19 (01:52:30):
Above it?

Speaker 4 (01:52:31):
Well, then why wouldn't.

Speaker 2 (01:52:32):
The trake allow air passage and life while they got
the food out?

Speaker 6 (01:52:36):
Because it's already dead.

Speaker 2 (01:52:40):
That's what it's That's what it sounded like to me.
When they lost the pulse, they did the trait correct,
that was just the last ditch effort to keep him alive.
But as Doc wondered, why didn't they do that in
the beginning?

Speaker 6 (01:52:54):
But no, they they probably did as soon as he
got there.

Speaker 2 (01:52:57):
They said no, they said they did it after he
lost his pulse again or whatever.

Speaker 6 (01:53:03):
I don't I think we know. I think we need
to get a copy of.

Speaker 2 (01:53:06):
Here's what I want to know. Who's entitled? Is there
a hippo when you're dead?

Speaker 7 (01:53:10):
No, right, right, Doc, I don't know, get a copy
of the the report and send it to us and
we'll find out exactly what.

Speaker 6 (01:53:21):
The timeline is exactly.

Speaker 2 (01:53:23):
Our doctor said, why don't we Why don't we leave
it at that? That that sounds good? I mean if
we get I don't think hippa though, and I don't
you won't have a problem with hippie.

Speaker 4 (01:53:34):
You're the next to kin.

Speaker 2 (01:53:35):
You do you have your sister? There is that who's
on the phone with you?

Speaker 11 (01:53:39):
Yes, that's why?

Speaker 4 (01:53:41):
Okay, yeah, you know.

Speaker 2 (01:53:43):
By the way, when when did you say? This happened?

Speaker 17 (01:53:49):
About two to three weeks ago?

Speaker 2 (01:53:51):
Right, Sherry, I'm really sorry you lost your husband. This
is terrible. I mean, this is totally on a expected too.
How old was he? Oh my goodness, that's so young
by today's standards. By the way, it says, medical records

(01:54:15):
as relate to health, medical care, and death is protected
under hippop for fifty years after death. What do you
come on? Are you kidding me? Executors, administrators, or other
individuals authorized by law may get medical records of the
deceased person. I wonder if that was both family members

(01:54:36):
will go ahead?

Speaker 6 (01:54:37):
I say, I wonder if that was put in after
JFK got shot.

Speaker 2 (01:54:42):
It's a fifty year Well that's probably.

Speaker 6 (01:54:44):
Why, because of the JFK assassination.

Speaker 2 (01:54:46):
I'm not sure of that, because hippo really was short
up during the AIDS epidemic, wasn't it, Doc, Or was
it way before that?

Speaker 6 (01:54:55):
Was before that?

Speaker 7 (01:54:56):
I mean, like I said, I would I think it
would be interesting to see if that particular line of
code was put in after John F.

Speaker 6 (01:55:05):
Kennedy. But any in any way, we're getting off the topic.

Speaker 7 (01:55:08):
We need a copy of the EO report and then
we can see who we need to call and whether
or not there's any case to be made.

Speaker 2 (01:55:17):
Yeah, the first things first, I'm gonna put Deputy doc
on this hip. It was passed in nineteen ninety six
according to my girlfriend, and then they upped it during
the AIDS epidemic, and they the privacy rule got stricter
because people were being discriminated against for HIV, and it

(01:55:42):
got even stronger in O nine and even stronger in
twenty thirteen. So it's been an evolving law. So you're
the one that can get it, Sherry for your des husband,
And as I said, I'm very sorry this happened to you.

(01:56:05):
The last thing you need on your mind is getting
the money. Let's see what we can do for you. So, uh,
make sure Kachina we get all the information for Deputy Doc,
all right, and.

Speaker 4 (01:56:19):
Uh and we'll do what we can.

Speaker 2 (01:56:22):
And uh we can either call you a Paula or Sherry,
whatever you guys want, but let's get the copy of
that as soon as possible. Okay. Three oh three seven
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(01:57:06):
best roofer Excel Roofing dot Com. You don't pay a
cent until you're content. Three time for an insurance check up,
free no obligation comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies. Find out now
three oh three, seven to seven to one help. You'll
think you're his only customer when you choose Frank durand

(01:57:27):
the real estate man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen
twenty two. I'm Tom Martino, your trouble shooter. Three oh
three seven one three talk three oh three seven one
three eight two five five. Well that this is this

(01:57:53):
is another kind of medical problem. Maybe no, no, we
don't know, Roger High, what's happening, Roger, Yeah.

Speaker 18 (01:58:02):
So yeah, so I got a little bit of a
situation here where my stepson and his girlfriend, you know,
they had relations and they could possibly be having a child.

Speaker 2 (01:58:19):
Okay, now you say possibly, you don't know if she's
pregnant yet.

Speaker 18 (01:58:24):
We don't know yet. There's uh, there's been speculation on
whether or not that she is. We're waiting for results
on that. And because of this, there's been taught going
around that because they're both minors, he's seventeen and she's sixteen,
that the grandparents of the child on the father's side

(01:58:46):
are going to be the ones that are fully financially
responsible for the grandchild, and on the mother's end, nobody's
financially responsible. I don't personally don't think.

Speaker 2 (01:58:56):
Hold on, hold on, Roger, Roger, let's let's let's dissect this.
So let's say she's pregnant and you're saying, as a result,
who said they're responsible? Or are you hearing legally? Because
legally the people responsible, the only people responsible are the
son and the daughter the girl. If they are miners,

(01:59:18):
their parents have to step in.

Speaker 18 (01:59:22):
Yes, and that's the that's where we're having the issue
is because they are miners. Yes, her parents are saying
that they're not financially responsible for the grandchild, that we
have to cover full cost of everything.

Speaker 2 (01:59:38):
Well wait, wait, they're saying, because the girl is a minor,
that the seventeen year old boys parents have to take
cover the bill.

Speaker 18 (01:59:48):
That's what they're saying. And I don't buy it. But no,
I don't know the law.

Speaker 2 (01:59:51):
Well, of course not. I mean it. First of all,
I'm not sure what the precedent is on law, but
in general, in general, if your kids do damage, now
this is not damage, but if they did damage, you're
responsible for the damage your children did. Okay, to a
certain extent, you're you're you're responsible for it.

Speaker 5 (02:00:14):
Well, it's pretty basic. It says if the parents are
under eighteen and not emancipated, and in Colorado, you can't
be when the child is conceived. Both sets of grandparents
and parents are responsible for the child's support until the
parents become of eighteen.

Speaker 2 (02:00:36):
And that that's what I just said, that both parents said.
It wouldn't be just one or the other. The only
thing that I was puzzled about, Mark, when you read
that was you can't be emancipated. I didn't know that
in Colorado. Yeah.

Speaker 5 (02:00:49):
I don't think he can in Colorado, but in certain states,
like New Jersey, you can be emancipated, which means you
are eighteen.

Speaker 4 (02:00:55):
I mean, as far as the law looks at it.

Speaker 2 (02:00:57):
So listen, Roger, what about this? Why did they say
that because they don't have money.

Speaker 18 (02:01:05):
Yeah, they're not a very well off family. They've their
whole family has had a lot of struggles throughout generations,
and it just seems to follow generation after generation. Yeah, yeah, yeah, Okay,
you know they're they're they're a welfare family.

Speaker 2 (02:01:21):
Okay, Well, obviously you let them off the hook.

Speaker 5 (02:01:24):
I mean, they know they can get on that social
stuff that's off.

Speaker 2 (02:01:27):
I think here's what I think. Here's what would happen though.
The girl would be eligible with the parents for medicaid. Okay,
and probably and but but Medicaid may go after the
dad for subrogation. Maybe I'm not sure about that, but
I think she would be eligible.

Speaker 4 (02:01:45):
Are they on Medicaid right now?

Speaker 18 (02:01:48):
I don't see. I have no idea.

Speaker 11 (02:01:50):
I know very little about that.

Speaker 2 (02:01:51):
Well, you guys have to you have to start doing
some homework, Roger, just wait a minute, Doc, you have
to do some homework.

Speaker 4 (02:01:57):
But the bottom line is this.

Speaker 2 (02:01:58):
The bottom line is this that just because they say
it doesn't make it so. Just because they don't have
money doesn't get them off the hook. So the both
of you, you and your wife, and their parents are
and her parents are responsible.

Speaker 5 (02:02:14):
Now whatever public service they get right now, when they
have another kid, it will extend to that kid. If
they are her health insurance, it could be all of that. Yeah,
but I don't know what happens if. I don't know
what happens if the girl is eligible for Medicaid and
has a child, if they look to the biological father.

Speaker 2 (02:02:33):
We got to figure that one out. What were you
gonna say, doctor, Well, I.

Speaker 7 (02:02:37):
Don't understand why you're waiting to find out if she's pregnant.
It takes about thirty seconds with the pregnancy test to
find out if she is.

Speaker 2 (02:02:44):
A Yeah, what is that all about? I think what's happening?
Who said she might be pregnant?

Speaker 18 (02:02:52):
It's the signs that she's showing that go along with
the pregnancy. We're waiting for her to take a pregnancy
test to find out for sure.

Speaker 2 (02:02:59):
Well what do you mean? Way, give me? Give me
what you mean by waiting? What does this mean? Waiting?

Speaker 18 (02:03:04):
Were we told her she needs a pregnancy test and
she said she'll get it to us on her time,
So we're wait? Okay, I happened now force her to
go down to the doctor and I can't force her
to do it legally?

Speaker 4 (02:03:15):
Well, oh you got to do. All she's got to
do is go to the dollar store.

Speaker 5 (02:03:18):
Quite frankly, it's one dollar?

Speaker 2 (02:03:20):
Yeah? Has she with Here's what I want to know
it does? Okay, Now, regardless of what happens, they can
probably come after your son for child support.

Speaker 4 (02:03:32):
You know that right. She might not even want the baby,
She might not even be pregnant.

Speaker 2 (02:03:37):
So have they discussed have they discussed abortion?

Speaker 18 (02:03:42):
Uh? No, No, this has all come up pretty recently,
so nothing's really been discussed.

Speaker 4 (02:03:48):
Call to get from yourself.

Speaker 18 (02:03:50):
Yeah, I'm just trying to cover my basis here, and
I agree with you guys. It's gonna be the or
the responsibility of all.

Speaker 4 (02:03:58):
Parties involved until the kids of age.

Speaker 18 (02:04:01):
Exactly, and that's going to be the That's kind of
the premise that i'm.

Speaker 5 (02:04:06):
And funny enough, I did. I think I did mess
up on that emancipation. So either they joined the military,
Tom there's certain places where a miner can marry with
parental or illegal guardian consent if they're at least sixteen,
but they can also leave home and be fully self supporting,

(02:04:28):
and that means in every which way under the age
of nineteen and be emancipated. But more importantly, what I
just realized is those kids and the grandparents are actually
going to be responsible, not when the kid turns eighteen.

Speaker 2 (02:04:40):
It's going to be nineteen, right, I see, because parents
are legally responsible through the eighteenth Yeah, go ahead.

Speaker 18 (02:04:49):
What's this whole thing that I remember hearing about how
parents are legally responsible for providing health insurance until the
age of twenty seven.

Speaker 2 (02:04:57):
No, that's not true. Okay, here's what it is. No,
you're not required. First of all, health insurance is required, well,
I mean it's never required okay, right now, no longer required.
But parents are the only ones that can provide health
insurance to their kids, and you can terminate that when

(02:05:19):
they turn eighteen if they can get their own. If
they can't get their own, you can still termin it.
I mean, nobody can make you carry insurance for them.
But usually if somebody is living on their own, they're eighteen,
they don't make a lot of money. One of the
good things and people will debate whether it's good or
aut of Obamacare was it opened up medicaid to a

(02:05:39):
lot of people, or heavily subsidized insurance where almost every
young person can afford it, So it's not entirely bad.
But no, And the twenty seventh thing, or through the
twenty sixth birthday, is this, if they are full time students,
you're allowed to provide it for them. You're not forced,

(02:06:01):
but they have to be a dependent. They have to
be a dependent taken on your taxes as well.

Speaker 5 (02:06:09):
And the other thing though, is I mean CHIP is
probably gonna cover that kid or Medicaid.

Speaker 4 (02:06:14):
I mean, the kid's gonna have health insurance, right, that's right.

Speaker 18 (02:06:17):
Yeah, And I'm not worried about the whole health insurance thing.
It's just trying to get us to cover full cost
of raising this shell.

Speaker 2 (02:06:24):
I thought it's not gonna happen. It's not gonna happen. Meanwhile,
I have to ask this question. Have you had us
a conversation with the son about condoms? Oh?

Speaker 18 (02:06:38):
Yeah, I bought him a box And.

Speaker 2 (02:06:40):
What did he say about that?

Speaker 1 (02:06:41):
Oh?

Speaker 2 (02:06:41):
I forgot to put it on.

Speaker 18 (02:06:44):
She was so apparently, I guess, according to him, and
he used them all up, and she was providing the
condoms after that.

Speaker 2 (02:06:52):
What I mean, use them all up? You buy new ones? Right, Okay, Look,
I don't want to get too technical about this, but
my god, I mean everyone's got to have this talk
with their kids. I mean, oh.

Speaker 18 (02:07:06):
Yeah, well, and that's not for a lack of trying.

Speaker 5 (02:07:08):
Luck in the birth control they have now too, is unbelievable.
I mean, these these girls can get a little yeah,
I don't know. It looks like a little toothpick in
the side of their arm, and it lasts for years.

Speaker 6 (02:07:20):
It's an implant that lasted three years.

Speaker 4 (02:07:22):
Yeah, three years. I don't know why anybody would be
they can get all right.

Speaker 2 (02:07:25):
Listen real quick. I got to take a break, Debbie.
I just want to get before my break this comment
on choking.

Speaker 4 (02:07:31):
Go ahead, what is it? What's the comment on choking?

Speaker 3 (02:07:34):
I have a sister that passed away four years ago,
and she was by herself, and she a few days
after Christmas. She just went to the refrigerator, got a
piece of ham and walked back to her bedroom and
choked on it and died. It happens very often, I guess.
And she was sixty three.

Speaker 2 (02:07:51):
So that is an accident, right exactly. I get you
and thank you for that perspective. We have more coming
up on the Troubleshooter Show. Go with a sure thing
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(02:08:12):
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Speaker 4 (02:08:21):
Help.

Speaker 2 (02:08:21):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here three O three

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So we have a question now in dash cams. Go ahead, Barbara,
what's happening?

Speaker 8 (02:09:27):
Oh?

Speaker 3 (02:09:27):
Is where do I get one? How much do they cost?
How do I know if it's a good one? And
who installs them?

Speaker 2 (02:09:34):
Oh, my goodness. Car toys for one car toys, Yeah,
you can get them.

Speaker 5 (02:09:41):
I think you can buy them anywhere, and you can
install some of the newer ones if you don't mind
just running a you know, a cigarette lighter adapter. That's
a very easy way. The other thing, if you have
a mirror that has like rodge door any controls on it,
Car toys like Tom said, or any place like that
can app right into there. Then it comes on with

(02:10:02):
the car.

Speaker 2 (02:10:02):
But also Kevin Caulkin. Kevin Caulkin can do it.

Speaker 4 (02:10:06):
Oh all day long.

Speaker 2 (02:10:08):
You buy it, and they can do any kind of
insulation you want. That Sheridan Auto tech dot Com.

Speaker 3 (02:10:13):
Share that's great, they're putting a new engine in my uh.

Speaker 2 (02:10:17):
Oh, just just buy the cam. Now you're saying, you're saying,
are there any good or bad ones? Most? I hate
to say this as a blanket statement, but most of
these small electronic they're all good, just like webcams. I mean,
you get Really it's the features you want to look for.
Most it's it's almost brainless to make a good high
deed dash cam. So what I would do is just

(02:10:38):
google them and look at the view. John Fuller, I
just bought one.

Speaker 4 (02:10:43):
John Fuller likes go the row the thy recalls.

Speaker 7 (02:10:46):
I bought a think Ware which is at a lot
of features and was only cost about one hundred and
fifty bucks for front and back camera.

Speaker 4 (02:10:54):
Yep, you want front and back. I agree with that.

Speaker 6 (02:10:55):
Think web that, I think the h A W A R.

Speaker 5 (02:11:01):
E think as and I'm thinking where think where w
A R E. And then the other one is rove
r O ve.

Speaker 2 (02:11:09):
Very good information. Thank you guys, really appreciate that. Doc.
I didn't know you got twin cams.

Speaker 6 (02:11:15):
Yeah I did.

Speaker 7 (02:11:16):
I thought you only cost one hundred and fifty bucks.
I think, I said a couple of weeks ago.

Speaker 2 (02:11:21):
I was thinking about getting dash cams, except I don't
want anyone to use it against me, John.

Speaker 7 (02:11:28):
Fuller, And he said, and you know there, if you
go on YouTube, you can sometimes see these downloads of
people having accidents where the dash cam saved them thousands
of dollars because they can prove that the other car
went the red light, or that the car merged into
your lane or somebody backed into you.

Speaker 2 (02:11:49):
Can they prove I was speeding and swerving and slamming
on my brakes. I'm just kidding. I don't drive like that.
I'm just kidding. As I got older, I got so
much team too.

Speaker 7 (02:11:58):
But they are they are really an invaluable asset, especially
if someone bats into you and says, oh you you
you rear ended them showing.

Speaker 2 (02:12:08):
Them Oh no, I get it and I see it. Yeah. Hey, Randy,
what is your comment on insurance? Randy, what's happening?

Speaker 15 (02:12:13):
Well, Mike, so my question is on this accidental death
and dismemberment. I was listening to your show coming home
from work, so I had CREO happen to me, which
is central retina artery occlusion May twenty through three of
twenty three.

Speaker 2 (02:12:27):
What was that? What is that?

Speaker 15 (02:12:29):
It's the main artery that supplies the blood to the
back of the eye. Mind collapsed and I was mind
in my left eye.

Speaker 2 (02:12:36):
Oh my goodness.

Speaker 15 (02:12:37):
And so through my company and everything, I have accidental
death and dismemberment. And they said I should go ahead
and put in for a claim because it does say
loss of an eye in there. It pays half of
the yeah that I cover. I committed everything to the
deal to the Hartford who's the insurance holder, and they

(02:12:57):
rejected it. Being in my my report with all the
emergency rooms and everything, it says I woke up with
this condition and was blind and it has to fall
under an accident, and they said I have the right
to appeal it. So I wrote a letter appealing and
why I felt like it should be covered, you know,
and all this stuff, but they rejected it again. So

(02:13:20):
I just kind of dropped it because I figured I
was never going to get anywhere. But I want your opinion,
if you think I should still talk to a lawyer
and have them review it to see if this would
still fall under it or not, because it wasn't intentional.

Speaker 5 (02:13:36):
Most of those what's that policy max out at though,
like fifteen grand Mine.

Speaker 15 (02:13:42):
Was five hundred thousand, and then for a loss of
an eye is half that amount?

Speaker 4 (02:13:47):
Wow?

Speaker 2 (02:13:47):
But why are they saying you they're not disputing you
lost an eye, right.

Speaker 15 (02:13:52):
Nope, they're not disputing it. But being in my doctor's
reports when I went into all the emergency rooms, they
said what happened? I said, I woke up, up, I
went to the bathroom and realized I have no left
eye vision.

Speaker 2 (02:14:03):
Okay. And they're saying and and and it only would
cover it if it was an accident. Again, is that
what we're talking about? According I don't think doc, I
don't think you call that an accident to you. I mean,
that's a medical condition.

Speaker 6 (02:14:16):
That's what it sounds like to me.

Speaker 2 (02:14:18):
It sounds like, I mean, if you hit your head
and that happened you, you fell down.

Speaker 11 (02:14:25):
Right.

Speaker 15 (02:14:25):
See if the way I look at it, if I
would have wrote, you know, I tripped over the dog
and hit my head and.

Speaker 4 (02:14:30):
Right, that's right, I'd call up Benelli.

Speaker 5 (02:14:34):
I'd call up and have a conversation with Marco Bendonelli
or someone at his office about that.

Speaker 4 (02:14:39):
Honestly.

Speaker 5 (02:14:40):
The interesting part too, if it truly is an insurance company,
and it sounds like it is like the General or
something like that, and I don't mean the General car insurance,
but you could even go after treble damages.

Speaker 4 (02:14:53):
All right, here's the deal.

Speaker 2 (02:14:54):
Here's the deal. You may have lost if you if
you weigh a year, well, I think did you file
the claim. If you filed the claim, then it's not dead.
I think you have three years after that. But if
you didn't file the claim, you had a year from incident.
Here's the deal. Randy, call Marco Bendinelli find him at
referralst dot com. But I'm going to tell you, just

(02:15:16):
from what you're telling me, it doesn't sound like an accident.
I don't even know why you're saying it's an accident.

Speaker 15 (02:15:21):
I mean, no, it's because it's under accidental death and
dismemberment for the loss of an eye, And.

Speaker 2 (02:15:29):
I get it, but but what but you didn't lose
your eye from an accident.

Speaker 15 (02:15:35):
That's what I wanted to confirm, because.

Speaker 2 (02:15:37):
Well, don't confirm it with me, call an attorney. But
but what is the accident? What was the accident?

Speaker 15 (02:15:44):
No, I'm interpreting it as I you know, I woke
up and I accidentally I don't have vision. I didn't
do it.

Speaker 4 (02:15:49):
Well, you accident.

Speaker 5 (02:15:50):
Come on, now, I have I have one of those
accident policies. Man, it has to be an accident, like
where we cashed in on an event a car hit
us and the car created the accident.

Speaker 2 (02:16:01):
Yeah, it can't when you wake up and you say, well,
I didn't intend not to have vision, Well, you don't
intend to have kidney stones. I mean, you know it's
they're not accidents. An accident is not when something that
has been deteriorating manifests itself. That's not an accident. It's
when something induces it. It's a It's a casualty event.

(02:16:23):
Sudden and accidental is how insurance says it. Well, and
it's got to be sudden and accidental, not just accidental.
So I don't think you have a prayer. But call
Marco Bendinelli. We have more coming right up. Go with
a sure thing Denver's Best roofer Excel roofing dot com.
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(02:16:47):
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zero sixteen twenty two. Hi Tom marshait out here three

(02:17:12):
O three seven one three talk seven one three eight
two five five. Go ahead, let's talk Garrison. What's going on?

Speaker 6 (02:17:18):
Man?

Speaker 2 (02:17:20):
Yeah?

Speaker 8 (02:17:20):
So I had bought in a car in June, and uh,
the dealer said that the air conditioning was now working.
Did it fix it for free? I could either leave
it there?

Speaker 2 (02:17:29):
And is it called okay? Did you actually get Garrison?
Did you get a Wheo statement it's called no okay?
Did you get anything to say that they would fix it?

Speaker 8 (02:17:42):
I don't know whether they did fix it, but so
the scene was on the way, on the way from
them delivering it to me. After they fixed the air conditioner,
the car reheated, so they took it back to the
dealership and a Crock, you will work on it. Here's
a loner in the meantime, so and it being ahead gasket,
they fixed it.

Speaker 2 (02:17:56):
To hold on, hold on, yeah, and what happened then,
so so mind you.

Speaker 8 (02:18:00):
It took a month to picked it and then they
gave me the car back. I had it for six
days and then it overheated on me again.

Speaker 2 (02:18:06):
All right, why don't you hold on. Let's get him
back on tomorrow for sure. Let's figure this thing out.
I'm Tom Martino. We'll we'll help you out, Garrison. Let's
let's I mean, we'll try. Okay, all right, folks, we're
out of time. Don't forget three ozo three Martino, get
lined up for the next show three oh three, six,
two seven, eight four sixty six, and save all your
problems for me