The Troubleshooter 10-16-24

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped off?

Speaker 2 (00:07):
What need that's so you don't have come running just
as nass as we can.

Speaker 1 (00:16):
Shooter's gonna help come Max.

Speaker 3 (00:21):
It's the Troubleshooter Show. No, Tom Martino, Hey.

Speaker 4 (00:25):
Tom Martino here, I got something to show you. This
is gonna be cool. Now we can bring in cameras
without problems. I got Mark here. I'm gonna bring them
up full screen. There you go, Marky, take it away.
You there, I am here. What's going on? Man? All right?
So what I'd like to know is, uh, quickly, did

(00:45):
you know that about ninety percent of the people that
responded to me said that politics definitely makes or takes
a role in their buying decisions if they know the
politics of a company. Now, these are staunch politics, and
people just are regular people and they don't preach a lot,
but if they know someone is one way against them,

(01:10):
and if they won't, they won't go to them. They said,
they won't go to a car mechanic if he's a
staunch conservative or staunch liberal and they're the opposite. They
won't buy from people, They won't go to restaurants. It
shocked me the amount of texts and emails I got
about buying decisions, buying decisions. Does that shock you?

Speaker 5 (01:31):
No, Unfortunately it doesn't. But in some circles that's definitely
not true. I think that's probably more correct for liberals
than it is for conservatives.

Speaker 4 (01:41):
Oh really you think? Okay, you think conservatives don't care
that much.

Speaker 5 (01:46):
I don't think they care as much. Okay, Well what
do you think I think?

Speaker 4 (01:53):
Oh? I think conservatives care a lot. I think if
they think there's some liberal creep, they're not gonna they're
not gonna do it. Are not going to shop on Amazon.
I disagree with you. Well, okay, and fifty District No, no, no, no, no,
you're right. Amazon's a different animal.

Speaker 5 (02:08):
By Amazon's a different bezoson said Damn rag in New
York where he's always just going after Republicans.

Speaker 4 (02:14):
And by the way, uh, Mark, I don't know if
you can see the feed, but it's looking good and
your camera's crisp and perfect. Oh come you can't. Oh okay,
there we go, Now I see the two deals? Cool? Yeah, yeah, yeah.
So anyway, let's let's welcome, by the way, today, our
our guest here, John Johnny. Welcome, Johnny Jones. We call

(02:35):
him Johnny because he's the son the junior John Jones
Junior JJJ, John John Jain. Okay, does anyone ever call
you JJJ?

Speaker 6 (02:43):
This happens.

Speaker 4 (02:43):
Okay, I'll try not to make that a habit. But anyway,
here's what we're gonna do. We're gonna talk about health
insurance today. So tell me about the dues and dawns
storing open enrollment. Just tell us why, because I heard
pretty d over there ask why do we have to

(03:03):
do it this time of year?

Speaker 7 (03:05):
Well, if you buy your own health insurance right, So
this is those under the age of sixty five who
buy their own health insurance. And by the way, also
annual rolling period for Medicare is now but open and
roll open and rolling for individuals and families under age
sixty five starts on November first. Yes, if you buy
your own again, and I think we've covered this multiple
times as well. But the reason why, now, why is

(03:26):
there an open right?

Speaker 4 (03:27):
Why why is their open enrollment? What the hell is
it all about?

Speaker 7 (03:30):
Well, pre existing conditions don't matter anymore, and so health
insurance carriers are required to ensure anyone who buys a
plan during an open or special enrollment period. Uh, and
so The point of open enrollment is to drive. Try
to drive all that traffic, try to drive all that
money and premium dollars into one time where now the
insurers have an entire year's worth of.

Speaker 4 (03:52):
They want to aggregate properly. The risk. It used to
be people would sign up just before something happened, or yeah, yes, sir,
absolut yes, or or when they get sick and they
wait out the waiting period or something, even though pre
existing was a thing. They can't afford to do that.
They want as many people enrolled as possible, with the
idea that the more enrolled, the cheaper they can keep it.

Speaker 6 (04:13):
It has to work somewhat financially, absolutely.

Speaker 4 (04:15):
And it kind of does.

Speaker 2 (04:16):
Yeah.

Speaker 4 (04:16):
Now there is no more law though, remember there used
to be a penalty. You don't pay a penalty anymore, right, you.

Speaker 6 (04:21):
Don't pay it.

Speaker 7 (04:22):
So the penalty there is. The penalty exists, it's part
of the law, but the penalty is zero dollars, so
there's no teeth to it right now.

Speaker 4 (04:28):
Why did I wonder why Biden and company did not
put the penalty back?

Speaker 6 (04:32):
Yeah, I don't.

Speaker 5 (04:33):
I think that was the Supreme Court decision. I don't
think it had anything to do with a bid. That
was the Supreme Court thing.

Speaker 8 (04:40):
Mark.

Speaker 4 (04:41):
No, I'm pretty sure it was.

Speaker 6 (04:45):
I understood. So there was.

Speaker 7 (04:46):
There's two types of subsidies that somebody can be eligible for.
You have tax credits, right, and you have costier reduction subsidies.

Speaker 4 (04:52):
Both the difference tax credits.

Speaker 6 (04:54):
Atax applies to your monthly premium.

Speaker 7 (04:56):
The costier reduction subsidy that was added in a extra
that applies to plan benefits. So if you buy a
Silver plan, if your income is below two hundred and
fifty percent of the federal poverty level as an individual
or as a family.

Speaker 6 (05:10):
That is what.

Speaker 7 (05:12):
It was the government's responsibility originally to pay those cashier
reduction subsidies. But that's what Congress got tossed as far
as it's not our responsibility that got put on health
insurance companies.

Speaker 4 (05:25):
In general in general? Is this Obamacare or the Affordable
Care Act? Is it beneficial in general for people? Do
you see people benefiting from it? You've been in the
business before.

Speaker 7 (05:37):
This, Well, it is more beneficial. It seems to more
beneficial now since they changed the subsidy eligibility. How someone
is eligible for a subsidy, the requirements of that.

Speaker 4 (05:50):
But now Mark used to complain it made it more
expensive for know, for some people, it's still have for
the for the upper echelon of incomes.

Speaker 5 (05:58):
Now for almost every employer are out there as well.

Speaker 7 (06:01):
Well, Yeah, employer plans has gone up a lot in
premium as well.

Speaker 5 (06:05):
So I bet since Obamacare, John, Honestly, since Obamacare, I
would guess four.

Speaker 4 (06:11):
Times maybe maybe three times more expensive. Yeah, especially for employers.
All right, now, first, sorry, go ahead. I just want
to bring up Joe because he has something to say.
Go ahead, Joe, Joe, you wanted to talk about Integra.

Speaker 8 (06:31):
Okay, can you hear me?

Speaker 4 (06:32):
Yes, sir, go ahead, Joe.

Speaker 8 (06:34):
I just want to say I listened to it for years,
and he kept saying, if you need help with her,
to try to call him Tagra. I just kept shoving
it off and shoving it off. And then late last year,
I said, I'm gonna call him just with gags, and
I'll tell you what. John helped me say, Well, we're
twenty five hundred dollars a year on my insurances. His
wife and him are just fantastic.

Speaker 9 (06:54):
They're quick to call.

Speaker 8 (06:56):
They have a hard time hearing on the phone, and
he took his time repeats, so I don't know how
many times does he tell me? So I go, oh, crap,
I forgot what you said.

Speaker 4 (07:05):
How was that John Senior or John Junior Senior Senior?

Speaker 2 (07:09):
Right?

Speaker 4 (07:09):
John and Day and then we have John Junior. And
then we have of course employees there. They have a
pretty good staff. You have good people.

Speaker 8 (07:16):
It's just fantastic, and I want to thank you. I
think his wife has some sort of tour in her neck,
and I'd just like to get anybody out there, none
or it doesn't know, say some prayers for so come back.

Speaker 4 (07:27):
Okay, that's very nice of you. Thank you, Joe. Yeah, yeah,
we kind of didn't want to discuss private stuff like that,
but okay, Joe, I understand you had well you were
well meaning. Thank you very much. We don't know exactly
what it is yet, and prayers are for are all
around Guermo. What's going on, Guerremo? H good man, what's

(07:47):
going on with you?

Speaker 2 (07:49):
Well?

Speaker 10 (07:50):
I took my jee ticket an oil change at Jiffy
Lube a couple of months ago, and.

Speaker 4 (07:56):
The Jiffy Lube I used to call him Jiffy Lube
and screw. They're so terrible. I mean, but if they're
not as bad. Actually, no, no, it wasn't Jeffy. I'm sorry.
It was a Connolu. It was the Conno lube and screw.
You're right, Jeffy. Wasn't that bad? I'm sorry, Guerma, what what? Garama?
What the What's? When? Was it which Jeffy lube?

Speaker 10 (08:19):
It was the branch on Bellevue and right off the Santa.

Speaker 4 (08:22):
Fe Okay Bellevue and Santa Fe. What went wrong?

Speaker 10 (08:27):
So about a mile down the road, oil was everywhere.
All the emergency lights were on. Took it back to
the to the oil changed place right away. So I
had a long conversation with them. They said, let us
make it right. So I said, yeah, go ahead, and.

Speaker 4 (08:40):
Let's well what what did they do wrong? To begin with?
Did they for to forget to put the plug in
or put it in looser?

Speaker 10 (08:46):
What they didn't screw on?

Speaker 11 (08:48):
The oil?

Speaker 6 (08:49):
Oil?

Speaker 10 (08:49):
Oil filter? Pretty much at all? It blew it off
as soon as the engine got pressured.

Speaker 12 (08:53):
Ah, so it.

Speaker 10 (08:55):
Pretty much blew the engine. They took me two months.

Speaker 4 (08:57):
Wait a minute, the engine was totally blown.

Speaker 13 (09:01):
It is now.

Speaker 10 (09:02):
I found this out yesterday because they've been giving me
stories like, oh it's timing change, we just need to
do a tune up on it. We're going to keep
doing this, all these stories that, So what are they
going to do now? So they said, we found an
engine at a Junkyard that we can throw in for you.

Speaker 4 (09:18):
How many miles on it? Uh?

Speaker 9 (09:22):
They told me.

Speaker 10 (09:22):
Sixty thousand, which I don't mind. But they've had my
car for two months. They didn't want to tell me
what shop.

Speaker 4 (09:28):
How many miles on your jeep when you brought it
in there?

Speaker 10 (09:32):
One hundred and forty but it's been maintained.

Speaker 4 (09:34):
Are they giving you a rental car in the intrum?

Speaker 10 (09:37):
No, that's the funny thing. I told him, you know,
go ahead, and you know it's been two months. I
need a car at this point. And they said, no,
we're not gonna give you a rental car. We don't
do rental car or loan or anything like that.

Speaker 4 (09:48):
Well that's tough crap, is I mean? Yeah, they they
may say they don't do them, but they owe you. Now,
what you could do is just play nice and get
get your own rental waiting for them to fix your car.
But if you could get a sixty thousand mile engine
and it really was a sixty thousand mile engine or
a replacement engine. What year is this jeep? It's a

(10:10):
twenty sixteen Okay, So if they could fix you up
to pre accident conditioner or pre incident conditioner better, that
would be fine. So what are you calling about? Are
they not doing it?

Speaker 10 (10:22):
Or what if they're not? The jeep is still sitting
in their shops. I told them I want to get
real sooner than later, because it's been going on for
two months. I've been feeding me live.

Speaker 4 (10:34):
Well, you're not required to keep it there. You could
have a toad somewhere and go after them. For the expense.
I want someone to call on this. Who do we
have kel Let's have Kelly call and see if they'll
come on the air. Yeah, let's do that first, and
then who do we have that could take this in
the studio?

Speaker 14 (10:49):
I'm here by myself holding down the four tom.

Speaker 4 (10:52):
Okay, now, Doc, you have a follow up?

Speaker 2 (10:55):
What is it?

Speaker 15 (10:56):
Do you remember Andrea Madino had a problem with her
moving from one apartment to another in me law.

Speaker 4 (11:04):
Oh that was a while ago. Yeah, she something went
wrong and she was in a building and they told
her that they.

Speaker 14 (11:11):
Were just moving to a place in more bedrooms.

Speaker 4 (11:15):
I'm sorry. Was this the subsidized housing?

Speaker 2 (11:18):
No, no, no, no.

Speaker 15 (11:20):
She was moving to another apartment in the same complex
and they were charging her extravagant fees from the move out.
Remember they were charging them more.

Speaker 4 (11:30):
I'm looking for it. She rents a single family home
since August. Trouble with the mett. Nope, that's not the
one with the black mold. Nope. We have so many
andreas low income subsidized housing during the pandemic. She was
asked to apply for rent. No, oh my god, I
have about ten Andreas and they're all rental problems. But anyway,

(11:50):
so what's going on with it?

Speaker 14 (11:51):
So anyway, she had a list of things they charged
her for on the move out, and some of which
were unreasonable. So I actually with her to the UH.

Speaker 15 (12:02):
Really, I met her at the place and went with
her to the UH to the office, and we managed
to get some items changed.

Speaker 14 (12:10):
So she saved about two hundred and fifty bucks.

Speaker 4 (12:12):
Well that's good. I mean, you just made sure that
what she was charged for she was charged for. She
you know, that's wonderful.

Speaker 14 (12:19):
And the things that I felt were unreasonable they change,
you know, thank.

Speaker 4 (12:24):
You that that's really cool. Good job, Doc. Yeah, let's
do this. I use my dinger today in the middle
of the week. I love it. We got more coming up.
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(12:49):
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nine two zero sixteen twenty two. Hi, Tom Martino, you're

(13:14):
troubleshooter three all three seven to one three talks so
I get a text that says Tom. By the way,
you can text my Google number seven four seven nine
nine nine fifty two eighty seven four seven nine nine
nine fifty two eighty or five seven seven three nine
is the iHeart short code. Either one will get to us.
It says here Tom. Politics do not come into play
when it comes to for vacationing for us. Our daughter

(13:35):
went to Portland, Oregon and Seattle, Washington. And they had
signs on ninety percent of the businesses that said no
guns allowed and black Lives matter, all kinds of signs
and stickers, littering walls, fences, businesses, front yards, homeless camps,
occupied parks by thugs. Is this Denver or Aurora? No,
he's talking about Portland, Oregon and Seattle. We were we

(13:58):
were Oh wait, wait wait he just said politics. Do
I'm sorry, do come into play for vacationing because when
he went to these cities it was absolutely ridiculous. Oh
our long, our long bus trip.

Speaker 5 (14:10):
We went through Portland and or close to it, and
then we went through another city, both of them total
total hell holes. Didn't even want to stop. Man, I
mean hell holes, all right. But it's the same description
as a roar no offense.

Speaker 4 (14:26):
But three oh three seven one three dogs seven one
three eight two five five I have no idea what
this text means. Uh, tom as A, I'm a black man,
and he had the nerve to tell me to take
my maga hat off because I'm black? Who had the nerve? Well,

(14:46):
this guy is writing to me saying that he wears
a maga hat nets and who had the nerve some
guy delivering burritos. Oh well, there you go anyway, three
oh three, seven to one three talk, let's go to Okay,
so what are we doing with Germot? Did Germo? Did
we call Jiffy?

Speaker 16 (15:07):
I have left two messages, one for the district manager
and one for the general manager of.

Speaker 4 (15:14):
The kay Loop store. So now why don't we, though,
in addition to that, give it to deputy doc if
they don't call back, so we can we can make
sure that somebody is working this. And docs have some
good lucky with auto stuff. So let's uh let's try that.
Uh okay, good now, Deputy dear, are you working on anything?

(15:36):
I thought you were?

Speaker 2 (15:37):
Yes?

Speaker 4 (15:37):
Hold on, go ahead, sir.

Speaker 2 (15:38):
Yes.

Speaker 17 (15:39):
So yesterday we had a caller who complained about drive
in Motion car dealership. She bought a jeep that doesn't
pass emissions.

Speaker 4 (15:48):
Oh well, this was really screwed up. They told her
it wouldn't pass, but they did not sell it as
a toe away. They were there in Weld County, but
they were selling into an emissions area. And I believe
they're required to make sure it either passes or they
sell it as a toeaway. And she has a three
day voucher she never got.

Speaker 17 (16:08):
Well, not only that, but it sounds like they told
her that the reason it won't pass emissions is because
of the bad ABS module. Well, she had the ABS
module replaced just yesterday.

Speaker 4 (16:18):
Nothing to do with the missions ABS breaking.

Speaker 17 (16:21):
Right, But you know, she's an unsophisticated consumer in terms
of auto mechanics. So I spoke with a so Drive
in Motion has three stores, Greeley, North Glenn and somewhere
out of state like New Mexico, Arizona. I spoke with
someone who I believe was the sales manager yesterday, mister Selene.
He told me that he has no comment on this deal,

(16:44):
but he's going to at my request, he's going to
try to find someone who does, which I assume is
going to be Brian Neely, who's the owner of these dealership.

Speaker 2 (16:53):
Well, they got it.

Speaker 4 (16:53):
They gotta make it pass mission.

Speaker 17 (16:55):
I just spoke with another gentleman at the North Glenn
store because there during the phones, and I told him that, uh,
you know, we'd like to get their comment, but better yet,
we'd like to get a.

Speaker 6 (17:06):
Resolution to this issue.

Speaker 17 (17:07):
Yeah, before I provide an on the air update and
so or before I called the State of Colorado Revenue
Department says, so right on their site, they have a
form a complaint form for emissions violations if the.

Speaker 6 (17:20):
Car you buy doesn't have so.

Speaker 17 (17:22):
Anyway, so I said, before I go that route, it
would be great to get a resolution from you guys
directly without getting the government involved. So he took down
my name and phone number, and he did tell me
that he's going to speak with both mister Celine and
mister Neely, and I asked him to call either my
cell number or better yet, call Kelly's number at the
studio and just discuss this with us on the air.

Speaker 4 (17:45):
All right, thank you? Three oh three seven one three talk?

Speaker 18 (17:49):
Ray?

Speaker 4 (17:50):
What's going on with you? Ray?

Speaker 2 (17:53):
Uh? Never?

Speaker 10 (17:54):
My wife never got her favor free fun.

Speaker 4 (17:57):
From when from twenty twenty three?

Speaker 12 (18:00):
Yeah?

Speaker 4 (18:02):
Really, Yeah?

Speaker 12 (18:03):
I got my deposits in my in the same credit
you mean I got my you know, but you never
got it.

Speaker 4 (18:10):
Do you know where to go for help on that?

Speaker 6 (18:13):
Nope?

Speaker 4 (18:14):
Well there's the state has a site. Uh really, let
me say, I'm looking it up right now. Did you file?
Did you guys smile jointly?

Speaker 12 (18:29):
Now we filed together?

Speaker 6 (18:30):
Yeah?

Speaker 4 (18:31):
Okay, the Tabor refund help is right here. I'm looking
it up right now.

Speaker 3 (18:36):
It is.

Speaker 4 (18:38):
Uh for uh yeah, it's well, how much did you get?

Speaker 12 (18:44):
I got eight?

Speaker 4 (18:45):
Other that might be for a couple. Oh oh wait
wait wait if you filed jointly, you don't get two
separate checks anyway.

Speaker 5 (18:56):
Yeah, what you're well, I'm sorry what you taxed your
twenty two or twenty three?

Speaker 4 (19:00):
Twenty three? He said, yeah, forty three, you don't get
You don't get two separate checks as a couple. So
you got your check?

Speaker 12 (19:09):
Bro, he just so my account. But she's got an
account too.

Speaker 5 (19:15):
Well did she file separately? No, she should get sick.
It should be sixteen hundred. Are you sure find yeah,
I'm staring at it for twenty three? Yes, yeah, oh.

Speaker 4 (19:27):
Hold on, yeah, you filed jointly, it should be sixteen hundred. Okay,
but it's one check, right, got it? Okay, so he
got less than he should have.

Speaker 12 (19:37):
Did you Okay, she filed, she filed it.

Speaker 4 (19:41):
No, you're right, it is it is sixteen hundred. Absolutely.
I have a feeling the problem is going to lie
in your state return. It's tax dot Colorado dot gov. Okay,
and you know, look at they do have a link
there for the tabor of questions. I mean, really I
think that have you ever con have you ever gone

(20:02):
to that website and made an inquiry?

Speaker 10 (20:05):
No, I haven't earn money. I got mine, So she
just I just found out about it.

Speaker 12 (20:10):
So that's what I talk.

Speaker 4 (20:11):
Oh yeah, no, no, it's yeah, of course you want
her to have her money for sure. Absolutely, And again
it should have been in that one check.

Speaker 5 (20:18):
It's going to be a problem on that refund, the
state refund.

Speaker 4 (20:22):
Now, art, I just are you said you called a
couple of months ago? Is that right about? Hold on
one second time? Really quick on TABOR.

Speaker 5 (20:31):
So next year, interestingly enough, I think all three mechanisms
will be triggered a tax refund I think on property taxes,
I think on sales tax and something else. But I
think there's one point seven billion dollars coming back to taxpayers.

Speaker 4 (20:48):
The reason I bring it's less this year. I heard
it's going to be less though for twenty twenty four,
like less money.

Speaker 5 (20:55):
Well, I'm just telling you there's one point seven that's
going to be for twenty twenty five TABOR refunds. But
here's the deal. Watch these elections. There's a lot of
tricky stuff in there. That I'm trying to retax. The
main thing to look for is most of these questions
will start out, do you want to increase taxes?

Speaker 4 (21:14):
But some of them are really tricky the way they
write these.

Speaker 5 (21:18):
Now, remember how we all got tricked, or at least
I didn't, but a lot of listeners and Democrats got tricked,
and these liberals got tricked by their own people into
us having the highest property taxes basically in the country.

Speaker 4 (21:30):
I know, I know, that's what the Gallagher Amendment, and
they did away with this thing that would have that.

Speaker 5 (21:36):
If they want more money, you say no. I don't
give a crap what the money's for. All they do
is waste the money. If they want more money, say no.

Speaker 4 (21:46):
The height of all insults is when Governor Polus had
the nerve to make it sound like he was doing
this out of the goodness of his policies and heart. Okay,
refund do you remember that it was crazy our taxes
And by the way, only one, only one reporter in
town nailed them on it. Only one TV reporter local, Well,

(22:07):
Sean it all the time. Yeah, but Sean Boyd over
at Channel four, And I'll tell you what Denian News
they never. They never cover anything negative, anything negative on
progressive never not once and uh and and you tell
them there's a problem. Well, it's my new name for
him Denian News.

Speaker 5 (22:26):
The worst out there that I've heard of recently was
the CBS sixty Minutes where Kamala answered.

Speaker 4 (22:32):
The same question with Okay, they did that, and they
took they took the better answer. Well, no, they got
rid of the actual answer and then kind of edited
stuff together to give another answer. I mean it was crazy.
I know that that is wrong. I mean, come on,
that's wrong. Anyway. Three oh three seven one three talk
seven one three eight two five five aren't your dental issue.

(22:57):
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(24:04):
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three nine two zero sixteen twenty two. Hey Tom Martino,
your troubleshooter three O three seven one three talks seven
one three eight two five five. Art has a follow
up on this dental issue.

Speaker 2 (24:24):
Art.

Speaker 4 (24:25):
When did you call, sir?

Speaker 13 (24:28):
Oh?

Speaker 19 (24:28):
I say about six months, six weeks ago?

Speaker 4 (24:31):
Oh, okay, so it was pretty recently. Okay, let's talk
about it because I can't find your call, but go ahead, sir.

Speaker 19 (24:38):
Yeah, we called six weeks ago because we could not
get money back from thessurance company.

Speaker 4 (24:44):
Did you use the name art when you called.

Speaker 13 (24:47):
Yes.

Speaker 4 (24:48):
Okay, So anyway, talk to me about it. What's going on?

Speaker 19 (24:52):
So we got the money back from the insurance company,
seven hundred dollars.

Speaker 4 (24:55):
Thank you. Can you tell us what that issue was.
I'm trying to remember the issue shoe.

Speaker 19 (25:01):
Yeah, she had a six hundred dollars procedure. Insurance they charged,
the provider charged thirteen hundred, and we got the seven
hundred back.

Speaker 4 (25:12):
Okay, excellent, excellent. Do you know who you worked with?
Do you remember who you worked with?

Speaker 12 (25:22):
What?

Speaker 4 (25:22):
Deputy?

Speaker 19 (25:24):
No, no, deputy, we did it on our own.

Speaker 4 (25:27):
Oh good, excellent. How did you do it? Sir?

Speaker 19 (25:31):
Just kept after him, after him, and then they finally
sent that check to the insurance company.

Speaker 4 (25:36):
Okay. You know one thing very frustrating is dealing with that.
I want to talk to John Jones.

Speaker 5 (25:44):
Wait wait, wait, though, I just missed something. So they
sent the the insurance company the money. So you didn't
get the money back.

Speaker 4 (25:52):
You never paid it. The insurance company did, Yeah.

Speaker 19 (25:55):
Went back into her account.

Speaker 4 (25:58):
Yeah. Yeah, I don't know.

Speaker 5 (26:00):
Wait, I still don't know what that means. So you
never saved any money? Ensure you help the insurance company
save money.

Speaker 8 (26:10):
Correct.

Speaker 4 (26:11):
Okay, listen, A lot of people get upset about that.
Even if I.

Speaker 5 (26:16):
Don't trust one insurance company out there, they're all buddy.

Speaker 4 (26:19):
So John Jones Junior JJJ. Let's talk what about when
you know there's a like do insurance company's care when
you find like this, I mean, if you think that
the insurance company is overpaying sure?

Speaker 7 (26:35):
I mean, and they have appills processes you can walk
through with the insurance care to make sure that things
are being paid properly. Pay attention to your eob's explanation
of benefits and all of that.

Speaker 4 (26:43):
Tell me does do the frequency of claims have a
bearing on you getting insurance? Like you know, if you
do a lot of prescription drugs, can a prescription drug
plan for let's say seniors on Part D? Can they discriminate?
Not discriminate? But can they rate you accordingly? Not at all? No, No, sir?

Speaker 12 (27:06):
Okay?

Speaker 6 (27:06):
What can you be rated on tobacco use? And no,
not even all carriers do that.

Speaker 4 (27:11):
But if you're a smoker, I could see.

Speaker 6 (27:13):
That you can have a ten fifteen or so percent
I'm going to ask.

Speaker 5 (27:18):
Another Yeah, but if you suck down big gulps like
nobody's business.

Speaker 4 (27:22):
I mean they don't, which is ridiculous. They don't even know. Okay,
I have another question if you're a UFC fighter, I mean, really,
do they ever look at occupations? John parachuting?

Speaker 6 (27:33):
Not for health insurance?

Speaker 2 (27:34):
No, sir?

Speaker 4 (27:35):
What about accident?

Speaker 2 (27:36):
Well?

Speaker 4 (27:37):
Wait, how about military?

Speaker 6 (27:38):
Well?

Speaker 4 (27:38):
I guess they have their own coverage. I wanting to
ask you something else. I know a young person looking
at a motorcycle and I said, the biggest problem with
motorcycles is not your liability so much as it is
your medical payments and your health and not you know,
your your your own health, okay, because you're most likely
going to get hurt, end up in a hospital, and

(27:59):
you're gonna run out really quick if you get five
thousand dollars in medpay or if you get whatever. So
my question is do they have accident health insurance just
for accidents that you can get sure?

Speaker 7 (28:13):
But yes, So they're like a supplement, an accident supply.
It covers accidents specific up to X amount dollars, maybe
say ten thousand dollars, but not a lot.

Speaker 4 (28:21):
You can't get like big cover, correct, But I have
it through them.

Speaker 7 (28:24):
Yeah, it's it exists to cover your high deductible or
HIMAX out of pocket. So it's a great supplement. However,
there are exclusions like clans. Yeah, yes, sir, well it
could be, it could be. It's but they typically have
to do with extreme No, I.

Speaker 4 (28:38):
Get activities, right, because otherwise that's a cheap way to
get insured.

Speaker 9 (28:42):
Tom.

Speaker 5 (28:42):
I have one through them that covers fifteen thousand dollars
for er bills period and it's one hundred percent reimbursable.
So in other words, really, if my health insurance ends
up paying for it, I still get a check for
fifteen thousand dollars insurance is that Yeah, And I've actually
had it. I've actually used it on my daughter years ago. Well,

(29:03):
we got a check for fifteen grand.

Speaker 7 (29:05):
Accident plans are actually very very affordable four so they're
an override.

Speaker 4 (29:10):
An accident plan doesn't ask questions.

Speaker 7 (29:13):
No, well, you've got to prove you were it, Okay,
you have to prove as far as yeah, absolutely at
the time of claim, right right, You're gonna have to
have to.

Speaker 4 (29:21):
Be a legit claim. But what I mean is it
doesn't matter, as Mark was saying, if his health insurance
did paid for it.

Speaker 6 (29:29):
No, it doesn't.

Speaker 7 (29:29):
Well, some accident plans do coordinate benefits with your health
insurance plans, so they'll only pay up to your deductible amount.
Some don't coordinate benefits, so they pay up to the
full benefit amount of the plan no matter what.

Speaker 5 (29:39):
Correct, Yes, sir, and Mark got that, yes sir, not
only that in that same accident, so my my daughter
got rear ended, ended.

Speaker 4 (29:46):
Up at the er.

Speaker 5 (29:47):
We got the full fifteen thousand plus John Fuller knew
exactly how to direct the medpay so we basically got that.

Speaker 4 (29:55):
Money as well. I mean, it was ridiculous. They just
wrote it. If you, if you did a spreadsheet of
of checks, of debits and credits on Mark's life, on
paying insurance and getting benefits. This man is ahead of
the game, head of the insurance game. How many people
get ahead of the insurance game.

Speaker 7 (30:14):
Well, so anybody that gets really sick, I mean and
intugert we try to we build it, We look at
it comprehensively.

Speaker 4 (30:20):
Right, how do you typically come out insurance in general? Mark,
with your house and everything go go ahead?

Speaker 7 (30:24):
Yeah, how do you plan to you Like a lot
of people are healthy and they don't plan, so they
get these high deductible, high max out of pocket health
insurance plans, but then they have that financial exposure. So
that's the point of an accident plan. Let's add something
on for a lot, you know, for an affordable premium
twenty thirty bucks a month extra.

Speaker 4 (30:39):
And I got to take this break. And again the
YouTube pole is bogus and they're just busting my shops
as always three all three seven. He took a YouTube poll.
Am I a closeted liberal? Come on, No one in
a million years could accuse me of being liberal. Maybe
on some social issues where I don't care. I don't
call that liberal. I call it letting just people who cares.

(31:02):
And then on fiscal stuff come on, and education, I
guess the people are liars. Tom.

Speaker 14 (31:08):
It's called a libertarian, which is very which is what
I think you are.

Speaker 5 (31:13):
No, he's so far from libertarian it's not even funny.
He want free college for all.

Speaker 4 (31:18):
I mark, free college has nothing to do with liberal
or conservative. It has to do with actually, no, it's
at libertarian.

Speaker 5 (31:25):
Libertarian government stays out of everything, Doc, and most people
don't want government out of everything.

Speaker 4 (31:32):
I want government. I wasn't talking about the government.

Speaker 5 (31:34):
Well, they're involved in healthcare, they're involved in everything in
our lives quite frankly, so you're far from a libertarian.

Speaker 4 (31:41):
I'm Tom Martinez. We got more coming up. 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 obliging comparison call Compass

(32:01):
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
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. Hi Tom Martino, you're

(32:22):
troubleshooter three all three seven one three talk seven one
three eight two five five let's uh continue we have
he wants to say something else, He said, Art, he
called about his dental issue and said that he had
called and got that taken care of, and it was
dental insurance and he felt they overpaid.

Speaker 6 (32:41):
Go ahead, Art, Yes, we have a bigger poem.

Speaker 19 (32:45):
She had a forty five thousand dollars implants and they failed.

Speaker 4 (32:50):
If they failed, Okay, was there any I mean, I
don't know if any warranties on that. It could be bone,
it could Was it because of a malpractice kind of thing,
or was it that that's what you're saying ARC. Did
you have someone verify that to two.

Speaker 19 (33:08):
Different implant specialists wents?

Speaker 4 (33:11):
Oh, then you better hold on, sir, You better hold on.
If you truly had two other implant people say it
was malpracticed or it was done wrong, then then this
is a whole separate issue. Hang on and we'll come
back to you. I'm Tom Martinez. We have John Jones
Integra Insurance. By the way, don't ever try to do
that alone. They will save you money. Health insurance made

(33:34):
simple and smart. That's Integra Insurance dot com. We love
these guys. Three oh three four six six fifty five hundred.
We have more coming up 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 content. Time for

(33:59):
an insurance Yeah, cup 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.

Speaker 1 (34:20):
Yeah, news needs you don't have.

Speaker 2 (34:32):
Come run in astas as we can.

Speaker 1 (34:36):
Shooter's gonna help coming man, This is.

Speaker 4 (34:40):
The Troubleshooter Show. Now, Tom Martino, Hey, Tom Martino here,
Welcome to the show. Three oh three seven one three
talks seven one three eight two five five. Okay, Mark,
I'll take you full screen here by the way, those
streaming marks showing us some visual aids here. He's got
a he's got a life size image of Donald Trump.

(35:02):
He's showing us there he is in the background, by
the way, Welcome to the show. Everyone who's not on
YouTube or streaming us, you can always go to the
Troubleshooter Network page and get it. But yeah, we see
that Mark's let me let me put it live here. Yeah, okay, anyway,
three h three seven one three talk. Let's go to
the phones and make your life a little easier. Anything
you can, anything you need, you give us a call

(35:24):
if you have a problem, question your complaint, because this
one is really serious. Art has a serious issue. He said,
he has a faulty Well, his wife has a faulty
dental implant. Yes, and I want to take that right now.
So go ahead and tell us about that faulty implant. Art,

(35:46):
tell me what's going on.

Speaker 19 (35:48):
He went to two specialists and both of them said
it was installed incorrectly.

Speaker 4 (35:53):
Now, Art, when when did she have it done? I
need a timeline here.

Speaker 19 (35:59):
Thanks to see and surgical placement implants were on one
twenty of a twenty two.

Speaker 4 (36:08):
Okay, name plan in one twenty of twenty two, right, okay, and.

Speaker 19 (36:14):
The plan was in tough pill So it's placed on
those dates.

Speaker 4 (36:21):
On one twenty twenty two correctly. That was the last visit.
I know.

Speaker 19 (36:28):
She had a cleaning on four to ten of this year.

Speaker 4 (36:32):
No, no, no, I meant on the implant people, they
implanted it one twenty twenty two. But did they she
get she got the implant, that's the screw into the bone.
When did she get the restoration? When did she get
the restoration which is the tooth part of.

Speaker 19 (36:48):
It, the tooth part. Let me see, I'm looking at
the procedure. I don't have the dates on that right now, I'm.

Speaker 4 (36:56):
Looking Okay, now, all right, Now here's what I want
to know. What was faulty?

Speaker 19 (37:04):
According to the added two specialists, it was let me see,
I got it right here. When they implanted it, they
put the bottom two, I mean bottom five implants too
close to the nerve.

Speaker 4 (37:21):
So she waited. She had several implants then for a
whole set of dentures.

Speaker 19 (37:25):
Direct yet two piece one top one boughty.

Speaker 4 (37:29):
Okay, so no, I get it for dentures. Okay. Now,
then then you said it's faulty. Okay. But the two
specialists were they implant doctors?

Speaker 19 (37:47):
Yes, they are both.

Speaker 4 (37:49):
Uh okay, now they will they put that in writing
for you.

Speaker 19 (37:58):
I'm not too sure. One of as I said, would that?
Would you consider that malpractice? And he said, I can't
use that word.

Speaker 4 (38:05):
Okay, here's the problem. If he can't use the word,
you can't use the word. If you cannot get another
dentist to say it was malpractice, you will. That is
one of the requirements of a malpractice lawsuit.

Speaker 5 (38:21):
It would cost a fortune to get that as well,
just to get to court. I think all that work
being done over would cost quite a bit less.

Speaker 4 (38:30):
Yes, okay, Now, Here's what I want to know. I
want to know this. Did any of them say they
would use the word malpractice?

Speaker 19 (38:39):
Well, when I asked the specialist, I said, would you
consider that malpractice? And they're like shook his head, but
he said, I can't use that word.

Speaker 4 (38:48):
Well, okay, well then he doesn't believe it's malpractice.

Speaker 19 (38:54):
Well all these we got all the X rays and everything,
and it's really bad job, it's crooked.

Speaker 4 (39:01):
But he did not say it was malpractice. You do
not have a malpractice case without finding a dentist in
the same field who will call it malpractice. Okay, I mean,
I'm just telling you that. Go ahead, d what do
you have? Hold on? Go ahead?

Speaker 14 (39:18):
Tom.

Speaker 17 (39:19):
I think that if he contacts an attorney who specializes
in malpractice suits, that attorney has a phone book full
of dentists that he uses that do use the word malpractice.

Speaker 4 (39:29):
Oh well, sure they do, but they yeah. But if
he can't find any on his own and he goes
to an attorney, I doubt there are many attorneys that
will even talk to him.

Speaker 12 (39:38):
Oh no.

Speaker 17 (39:38):
My point is the attorney will have dentists ready to
go that he already uses in.

Speaker 4 (39:42):
Case cost him his fortune. Okay, you don't just go
to an expert when you're when you're an attorney and
you have experts, they're going to charge that attorney five
grand twenty five hundred minimum. So here's what's going to happen.
They don't do it on spec So here's what's going
to happen. He hears from this guy that two people

(40:04):
already said they don't think it's malpractice. Now, if it's
so apparent and so terrible and the attorney thinks they
have a shot, the attorney is going to go and
front them. They always front the money, but eventually it
has to come out of the proceeds. So here's what
I'm asking, Okay, what are the damages? Because that's what
it's all going to come down to. What what are

(40:27):
the damages?

Speaker 19 (40:28):
Well, right now she has handy jaw pain. I caun't to.

Speaker 4 (40:35):
Okay, how old is she? How old is she?

Speaker 19 (40:38):
She's a.

Speaker 4 (40:41):
Seventy seventy okay? And she has all of this pain
and suffering. How long has it been going on?

Speaker 13 (40:50):
Two years?

Speaker 4 (40:51):
Okay? And and what will it take to fix? Did
those experts say one.

Speaker 19 (40:56):
Of them said a fool needs to be completely redone
and they're going to try to stabilize it for now,
but they said it probably just can't do it stabilized.
Maybe stabilize it for three or four months.

Speaker 4 (41:11):
What do you mean by stabilize it? Is it infected?

Speaker 12 (41:15):
Uh?

Speaker 19 (41:15):
Yeah, they need to take out the screws in there
and ty wait.

Speaker 4 (41:19):
Hold on, hold on, you just passed by that. When
I say is it infected?

Speaker 19 (41:25):
They said that there's infection.

Speaker 4 (41:29):
Okay, that's serious. So what is she doing about the infection?

Speaker 2 (41:36):
Oh?

Speaker 19 (41:36):
While she cleans her teeth every time after she is
she on medication?

Speaker 4 (41:42):
Not for that?

Speaker 10 (41:43):
Not right now?

Speaker 4 (41:44):
Well, then how do you say? Wait? Was she diagnosed
with an infection and the doctor said, we're not going
to give you antibiotics, just clean your teeth.

Speaker 19 (41:55):
Yes, they need Well, we're going in for the second
consultation here shortly and they're.

Speaker 4 (42:00):
Just so you know, you gotta document each and everything
you're doing and it needs treatment. You know, when people say, yeah,
we have an infection, but they're not on antibiotics and
the infection isn't getting worse. Is it getting better?

Speaker 19 (42:13):
It's still affecting her. I don't think it's getting I
think it's stay the same.

Speaker 15 (42:17):
Can't Tom I can't imagine any healthcare professional thing you
have an infection and not doing anything about it.

Speaker 4 (42:25):
Exactly, neither can I.

Speaker 14 (42:26):
It doesn't make any sense.

Speaker 4 (42:27):
Yeah, neither can I. I can't even imagine it. So,
you know, saying she's infected, you don't understand how serious
that is in her jaw. Okay, so is she infected
or not? She is? She better get treatment or she's
not gonna have malpractice because she's got to mitigate her damages.
If she sits there for two years with an infection
and it gets worse, guess who's fault it is hers?

(42:50):
But really quick back to the malpractice. I mean, the
first thing you gotta do is find in an attorney
that'll take it, and if you pay, I'm sure you'll
find one. And then once he files an action against
that professional under Colorado law, then you have to do
that review, the certificate of review within sixty days. That's

(43:11):
where that attorney will get a professional who's also a
dentist to see etnal will take it if But no, no,
you're you're saying if the attorney will take it on contingency,
there's no way they're going to take it on contingency.
But you can come twenty grand out of pocket and
you might be able to get to that part of
the trial. And then let's say you come then the

(43:32):
bills start really adding up. Yeah, but most malpractice is
on contingency in the beginning. They may want you to
invest the money to prove it's malpractice, or to at
least get a statement of malpractice, but man, it is,
you gotta have some.

Speaker 5 (43:49):
If there's only ten or fIF. Okay, we just said
the same thing in different ways. I'm saying, if she
can have everything redone, y, that's right.

Speaker 4 (43:57):
If she can have everything redone for less than fifth,
then she ought to do it because it's going to
be cheaper than malpractice.

Speaker 6 (44:03):
That's right.

Speaker 4 (44:05):
Now, maybe she can go ahead, sir.

Speaker 19 (44:08):
On the top, she was supposed to have six implants
on the top, and there's only five. They charged her
for six and they took out one. I guess the
bone density wasn't strong enough, and so there's only five
on top. It's supposed to be six and they never
corrected it.

Speaker 4 (44:25):
Okay, if she doesn't have the bone density to put
the implant, the wise thing to do was to remove
it like they did. So that's not malpractice.

Speaker 14 (44:37):
Yeah.

Speaker 19 (44:37):
The only thing is that they were supposed to cut
according to their implants. Specially they should have cut the
the part of the implant that was not screwed in
because right now her up right.

Speaker 4 (44:52):
Wait a minute, they left the sixth implant in the
weak bone, the one that won't hold the tooth.

Speaker 19 (45:02):
No, they took the infant out, but it's still a
little rocky and it's shaking once she choose.

Speaker 4 (45:11):
Listen, you know what our look at. This is way
beyond our scope. Here's what you need to do. Union,
none are Seriously, here's your barometer of whether you have
a good case. Get all of your records together and
go see malpractice attorneys. If you cannot get a malpractice
attorney to take it, it is not a good case,

(45:32):
I promise you. Okay, there are all kinds of malpractice
attorneys and no, no, I don't you know Bendanelli, if
the case is there, I know if he can see
a case, Marco Bendonelli on the referral list would look

(45:53):
at it. And Marco does pretty well, uh for malpractice,
but there's no damn. Yeah. Malpractice is one of the
most difficult suits to bring of any suits. Maybe premises
liability is another one that's difficult.

Speaker 5 (46:11):
And I hate to even say this. With her age,
she probably I'm almost sure of it. She doesn't work,
so that there's once again different things you can't go
after compared to if this happened to somebody that for
the next twenty years can't perform a job, he could
go after millions of dollars in compensation.

Speaker 4 (46:28):
But you have none of this. Now. We're not telling
you not to speak to We're not telling you not
to speak to an attorney, but you have to be
really careful because it can be you know, it's tricky malpractice.
I think what you need to do really is to
start getting her evaluated to get this fixed. If she's
in misery, and she really does. Maybe they want her

(46:52):
to fully heal first and take care of it. I
don't know, but you need to get a good specialist that.

Speaker 6 (47:00):
Yes, go ahead, we called.

Speaker 19 (47:03):
We called the dental Associates of Roora to see if
they would help correct it. We called three times and
they call back.

Speaker 4 (47:11):
Are they the ones that did the original?

Speaker 14 (47:14):
Yes?

Speaker 4 (47:16):
Is the doctor still there?

Speaker 19 (47:18):
He's still there.

Speaker 4 (47:21):
Why would you want them to correct it if you're
claiming they did.

Speaker 19 (47:25):
Well, it's going to cost her more money to fix it.

Speaker 4 (47:27):
And if he can fix it for her, you can
go to the dental you can go to the dental board.
You know, if this actually if this doctor was told,
if you were told it was improper, and this doctor
refuses to does he refuse, does refuse to acknowledge there's
a problem.

Speaker 19 (47:47):
Uh, he refuses to.

Speaker 9 (47:48):
Call it back.

Speaker 4 (47:50):
What's his name?

Speaker 19 (47:52):
His name is doctor Lee and he's at Dental Associates of.

Speaker 4 (47:56):
Aurora, Doctor Lee.

Speaker 5 (47:58):
Let's have Deputy Dot call over and see if Deputy
Doc can't talk to him. Yeah, uh yeah, Now maybe
maybe this guy will be willing to look at it
and fix it.

Speaker 4 (48:08):
I have no idea. Yeah, Doc, First of all, we're
gonna have to get some kind of conference call or hippa.
But the fact that he won't call you back sucks.
You know that that really sucks. So hang on, we're
gonna give it over to deputy doctor.

Speaker 14 (48:23):
We start a conference call that way, but not have
to go to that whole hip of stuff.

Speaker 4 (48:28):
Three oh three seven one three talk seven one three
A two five five.

Speaker 2 (48:32):
Uh.

Speaker 4 (48:33):
You know Compass Insurance group. Uh, we have health insurance
on today with Integra. Of course, Compass does the same
thing with you for other insurance, casualty, loss, car insurance house.
You know all of that business, and they give you
free quotes, and they also do free comparisons to see
if you have a great deal, and if you do,

(48:54):
they'll be honest with you. Three oh three nine nine
six nine thousand. 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

(49:16):
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 there real
estate man dot com to list your home with Remax
Alliance three all three nine two zero sixteen twenty two.

(49:36):
Hi Tom Martino, your troubleshooter three oh three seven one
three talk three oh three seven one three eight two
five five. All right, Mark, he's uh roaming around with
his camera on YouTube. And uh people you miss at
ratio if you don't have that alongside your radio anyway.
Three oh three seven one three talks seven one three
eight two five five. Okay, I turned you off there, Mark, Hey,

(49:59):
reconnect with your regular camera.

Speaker 15 (50:00):
Yes, sir, just got a quick call from a lady
about her speed Queen washer.

Speaker 4 (50:05):
Yes, I remember that one. Did you handle that one?

Speaker 15 (50:07):
I handled it, and about two weeks ago they promised
her choosing to get a new one.

Speaker 14 (50:12):
It was delivered and hooked up yesterday.

Speaker 4 (50:15):
Oh man, that is a yes, I see it. She
called on the seventh of October and she bought a
new speed. Queen was having nothing but trouble, could not
get anyone out there. And by god, I get to
use my dinger once again. I just love using my dinger.
You know, it's seventy one. You don't get to use
it that much, so I'm really happy about that.

Speaker 14 (50:36):
She's a happy camper.

Speaker 4 (50:38):
Cool Jim, you have a question about something, Jim, go ahead,
welcome to the show. What's going on?

Speaker 2 (50:44):
Bro?

Speaker 13 (50:45):
Yes, I have a quick question. I would like to
know if the leaf guards on Home Ring de Gutters
is worthwhile.

Speaker 4 (50:57):
Leaf Guard, well, okay, when you say worthwhile, First of all,
leaf guard is an entire gutter system, isn't it. I
don't think it's just yes, it's it's the whole gutter
with the built in system. There's nothing wrong with leaf guard.
It's pretty good. You know, a gutter helmet. They all

(51:17):
work to a certain extent. I don't like the screens
they put on. But you're talking about getting all brand
new gutters, Is that right?

Speaker 13 (51:25):
No, I just want the leaf guard to go on
top of the gutters.

Speaker 4 (51:32):
I've never Okay, I know what you're talking you're not
talking about leaf guard does not go on top of
the gutter. But I know what you're talking about. You're
talking about buying some leaf protection of some kind.

Speaker 5 (51:43):
I totally disagree on this one. I don't think you
should get it man. And I'll tell you why I
get what mark any kind of leaf protection, any kind
of leaf protection I want, wouldn't I get it?

Speaker 4 (51:55):
Well, I'll tell you why.

Speaker 5 (51:56):
It's gonna run anywhere between what three thousand in up
Excel roofing will come out. If you have a one
story house it's one hundred and ninety nine, a two
story two ninety nine. I have them come out twice
a year and clean my gutters, and it worked better
than anything I've had on any other house before. Including

(52:16):
those systems, and you're not. You're gonna end up paying less.
They're gonna be perfectly cleaned twice a year, and you'll
never pay what you had to for that gutter system.

Speaker 4 (52:27):
So yeah, you're right if you can actually spend four
hundred a year getting them cleaned twice a year, and
that's that's ten.

Speaker 5 (52:36):
They's and they're spotless when they're done, the down spouts
are done, everything's done.

Speaker 4 (52:42):
They're spotless. Okay, Jim, you might want to call Excel
Roofing and just have them clean your gutters.

Speaker 13 (52:50):
That sounds like the way to go.

Speaker 4 (52:52):
Yeah, I mean, it'll save you thousands of dollars mark.
That's a good suggestion. Yeah, I just I just never
thought of about that. I I I just never thought
about that, you know, just having someone clean him twice
a year. That well, I guess I have thought about
it because that's what I do, but I never compared
it with actually putting the protection on. So that's pretty cool.

(53:14):
Three oh three seven one three talks seven one three
eight two five five. Okay, let's uh, let's continue here
on your let's continue on our quest here, Okay, John
Jones Junior, I want to bring him back and we
have him. Hey, now okay, let me ask on right

(53:37):
real quick. I want to get to this text on
the health insurance. When should a child be taken off
their health insurance or when do they have to be
taken off? What depends well when they should and when
they have to be the okay, so I want to
I want to discuss both absolutely.

Speaker 7 (53:54):
So age twenty six is technically at age twenty six
they would come off uh manatory mandatory.

Speaker 4 (54:00):
Apparently before twenty six do they have to be enrolled
in school or anything from twenty one to twelve.

Speaker 7 (54:05):
So then we get into and this is part of
the conversation we have with all of our clients, is
you know, do you qualify for a tax credit? Because
if you qualify for a tax credit, it's based on
tax household. So if you have an older child but
you don't claim that child as a dependent anymore, then
they would not be included into your plan getting a
tax credit. We would want to look at what their
option would be on their own.

Speaker 4 (54:26):
Well, what I mean it is more news if you
took them off of your insurance, would that make you
less qualified for a credit.

Speaker 7 (54:33):
Or more ca Well, it could because then your tax
household is smaller. Right, so you set up a tax
household of three qualifying for a tax credit, or a
tax household of four or five.

Speaker 6 (54:42):
Now maybe it's just you and your spouse household of two.

Speaker 4 (54:45):
Then you then your child might be able to get
their own correct, your child may be able to get
their own Also, if you do have an older dependent
that you are claiming, there, if they earn income, that
income would.

Speaker 7 (54:55):
Count towards your tax household income and so that could
give you less tax credit that direction as well.

Speaker 4 (55:00):
Put it this way, what if you had an older
one who is on your insurance and.

Speaker 2 (55:06):
You have.

Speaker 4 (55:09):
You know, so they're on your insurance, but they don't
make a lot of money and they could actually do medicaid?
Yes or no if you don't.

Speaker 6 (55:16):
If you don't, well it depends if they're a dependent.

Speaker 7 (55:19):
So if you claim them as a dependent, then your
income would count toward their eligibility.

Speaker 4 (55:23):
They do their own thing and they're not claimed.

Speaker 7 (55:26):
Correct, then yes, absolutely, they could potentially qualify for medicaid.
And that's part of the conversations we have with all
of our clients.

Speaker 5 (55:33):
Mark, what were you going to ask him, Well, what's
the biggest mistake when people are shopping for medicare, example
might be like, I know, Tom, you've got kind of
the mac daddy. Supplement plans or supplemental plans do a
lot of people like go with advantage, for example, and
then find that they don't have the coverage they expected,

(55:54):
they can't go to certain doctors. But just in general,
the biggest the biggest regrets that you've seen from people
on mistakes they've made choosing a plan.

Speaker 7 (56:04):
I think what I would certainly caution anyone is not
just calling thee the telephone number on your television screen
when you see the commercials.

Speaker 6 (56:11):
I think the biggest mistake, in my opinion, is.

Speaker 7 (56:14):
Probably not being given all the information, all the options
available to them, so that they have a good understanding
of Medicare, how Medicare works, what a supplement is, what
an advantage plan is, the pros and cons of both,
and having in you know that information they need to
make an informed.

Speaker 6 (56:30):
Decision about what's best for them.

Speaker 11 (56:32):
Uhuh.

Speaker 7 (56:32):
And so I would just say avoid the call center,
talk to an expert, somebody who does both, not somebody
who just does Medicare advantage, not somebody who only does
Medicare supplements. But somebody who can sit down and explain
the entire the entire thing for you.

Speaker 5 (56:48):
I saw a commercial today, like you're talking about an
eight hundred number, and I tell us what this plan is.
They were talking about a plan where they get a
preloaded uh some kind of like preloaded credit card each month,
or money's put on the card each month, and they
can actually go out and buy some groceries. I mean,
I've never heard of that. How does that work?

Speaker 7 (57:09):
So, and there are advantage plans, and I can't get
into specifics for any specific company things like that, but
there are advantage plans.

Speaker 6 (57:16):
That and it is based on income. It's if you qualify.

Speaker 7 (57:19):
And so that's the thing they're trying to hook somebody,
have them call in without explaining first, Hey, it is
based on income that you might or might not qualify
for these types of benefits that could be in there.

Speaker 6 (57:30):
So that's it. Just take what you see on TV
with a grain of salt.

Speaker 7 (57:35):
Talk to an expert, talk to and talk to you know,
give us a call and we'll happily walk you through
all of those options.

Speaker 4 (57:40):
All right, we got to take a break. Three all
three seven one three talk seven one three eight two
five five. Frank rand the real estate Man. By the way,
He's available to give you complete market analysis of your
home and what it will sell for, even what you
will clear after expenses, and what you can qualify for
if you want to buy either here or somewhere else.
That's Frank durand the real Estate Man dot com. A

(58:00):
total complimentary service with no obligations whatsoever. Three oh three
nine two zero sixteen twenty two. 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

(58:22):
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 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

(58:45):
O three seven one three talks seven one three eight
two five five. Okay, welcome to the show. We're here
to help you and uh I got mark full screen
for those streamings so you can see us Trump of
whatever it is, life size cutout. But how things scared
the hell out of me coming out of the hot tub.

Speaker 5 (59:05):
I go back inside and the lights are not and
I think there's some dude in my basement.

Speaker 4 (59:11):
Three three seven one three. Tok. Let's go back to
our texts, our phones and everything else. Let me get
my screener up. Okay, So Steve, what's going on with you? Steve,
Welcome to the show. What's happening?

Speaker 13 (59:26):
Thank you.

Speaker 9 (59:28):
We had bought a Hondis Tucson and a recall letter
came through the mountain about a knock sensor that it
was on the recall about a couple of months later
at the most the sensor went off fine, so I
figured I would take it in and get it repaired.

(59:48):
Took it to the wrap a hole. Can I use names, yes,
of course, like okay, great, went to rap had my
mechanic prior to the hard the code on it to
make sure I was right. He said it was a
knock sensor.

Speaker 13 (01:00:03):
I took it in there.

Speaker 9 (01:00:03):
They told me, you know, we do our own assessments.

Speaker 4 (01:00:06):
Fine, yeah they do, because if they did the knock
sensor and it didn't work, then you're going to be upset.
So they usually do their own diagnosis, right.

Speaker 9 (01:00:15):
And I'm down with that. That's cool. If they kept
it for about three days, had a rent car because
they don't provide a loaner on these kind of services.

Speaker 6 (01:00:24):
Right.

Speaker 4 (01:00:25):
What kind of Hondai is it?

Speaker 9 (01:00:26):
By the way, it's a Tucson.

Speaker 4 (01:00:29):
All right, got it?

Speaker 6 (01:00:31):
So went ahead?

Speaker 13 (01:00:32):
Did that?

Speaker 9 (01:00:34):
What they had done the first go round though, is
they basically did a hard reset on the computer system
and knocked the sensor out and everything went back to normal.
So I thought, well, maybe I'm an idiot, and they
fixed it. About thirty days later, the sensor went off again.
And the knock sensor, I'm not sure if you're aware,
but it shuts your engine down where you can't go
over two thousand RPMs. So it doesn't ruin your engine, right, okay,

(01:00:58):
but you can't get out of an issue because you
can only go rev up to two thousand.

Speaker 4 (01:01:04):
Let me ask you this, the knock sensor when it
first went out, Yes, sir, and your mechanics said, it's
your noock sensor. Why didn't you have him fix it?
Was it still under warranty.

Speaker 9 (01:01:16):
No, there was a recall on it was a Oh.

Speaker 5 (01:01:18):
Okay, there was a recall, got it? Are you sure
it was You're sure it was a recall.

Speaker 9 (01:01:23):
Though, I'm They told me when I got there they
would cover it under the recall. I'm like, old, that's
what the PaperWorks.

Speaker 4 (01:01:30):
I see a.

Speaker 5 (01:01:31):
Product improvement campaign to update the NOC sensor detection system
software on your vehicle if it's a Tucson.

Speaker 14 (01:01:40):
But I don't.

Speaker 4 (01:01:40):
I don't see where they're replacing knock sensors.

Speaker 9 (01:01:45):
Well again, when I went in there and spoke to
this girl named Alex, that's what they told me. They would,
you know, they would cover replacing a nock sensor. They
ended up upgrading the software. I believe on the second
time this all went down, right, because this is how
up three times?

Speaker 13 (01:02:01):
Now?

Speaker 4 (01:02:02):
Okay, well, where does it stand right now?

Speaker 9 (01:02:06):
Steve stand sitting in a repair shop for the last week?

Speaker 4 (01:02:12):
What's your repair shop? Is it back at Hyundai?

Speaker 14 (01:02:15):
Yes?

Speaker 20 (01:02:15):
Sirtainly?

Speaker 4 (01:02:16):
And why is this it? Did it go bad again?

Speaker 9 (01:02:20):
Yes?

Speaker 13 (01:02:21):
Yes it did.

Speaker 9 (01:02:22):
It's gone bad three times.

Speaker 4 (01:02:24):
That's weird how it's gone bad three times? Where you're
stranded in limp mode.

Speaker 9 (01:02:32):
Not me, my wife and that's a problem, right, Yeah, anyway,
that's not the point. The point is though, the second
time I was in there, I met their shop manager
at the time, who's no longer there, and he told
me it's either a knock sensor or your bearings are
going to be problematic in your engine, and they replace

(01:02:54):
the engine, and that's how you can get a loaner car.
If they finally have to replace your engines. I'm like,
whatever it takes. Right, second time, they reset the censor again.
About thirty days later it went off again, and then
back into the shop again. On the third time, though
we've been without a vehicle for up well this last

(01:03:16):
the third time was ten plus days. Now, we were
working on about eight days and they're still telling me
they have no idea a loaners. Out of the question.
I only really want out of it is a car
for my wife to get around until they configure it.
They can keep that car in there until they fix it.
I don't want to bring it back and have it

(01:03:36):
die within thirty days because they just want to get
me out of their hair. It's frustrating to the n degree, right,
And the last response I got was yeah, we can't
get you a loaner. And this is all from young
You know, people at the desk, they have no authority,
And I want to talk to managers, can't talk to managers.

(01:03:57):
My wife actually called once please stop me if I
go too long, and she was told that they don't
let people call it managers. Well that's the dumbest thing
I ever heard. But yeah, I can't get a hold
of a manager to save my life.

Speaker 4 (01:04:11):
Do me a favor.

Speaker 5 (01:04:12):
Give your VIN number to Kelly and I will email
or text somebody for you and see what's going on
with it. As far as the Reynolds, that's pretty standard
these days.

Speaker 4 (01:04:24):
Man again, Mark when I when I listened.

Speaker 15 (01:04:29):
To my Hyundai, Yeah, the people at a rap Hole
were very very rude and obnoxious, and the people at
Chomp Hyundai were so much nicer. And I actually I
went there yesterday. They did some stuff for free. It
was like night and day between them and a rap
ho Yeah.

Speaker 4 (01:04:47):
A rapp Hose used to charge for coffee.

Speaker 9 (01:04:51):
We add one more thing. In the third go round,
they finally acknowledge they're going to censors, so they sent
me a text and said approve of these repairs. So
I open this text, there are six things on one
with the knock sensor for six hundred dollars.

Speaker 4 (01:05:09):
Wait, they don't wait wait wait wait, they're not charging
you each time it goes wrong, right, No, I have to.

Speaker 9 (01:05:16):
Tell them there's no charge. So the first few times
agreed no charge. Third time should have been no charge.
And then they tried to charge me for it. And
they told me that who they submit their claims to
on these n has kicked them all back, saying, yeah,
you can't do that anymore.

Speaker 4 (01:05:32):
Well, hold on, hold on, Steve. They're probably pissed that
they did four of them. For God's sakes, I mean,
but that's not your problem. How many times let me
tell you how much time in between the knock sensors?

Speaker 9 (01:05:48):
About thirty days?

Speaker 11 (01:05:49):
Almost done?

Speaker 6 (01:05:49):
Almost, dude, this.

Speaker 4 (01:05:50):
Should be done, no charge to you. It doesn't matter
if they kick it back. Where does the stand right now?
Hold on, We got to take a break, but I
need to get to a point of what do you
want us to do? Three O three seven one three
talks seven one three A two five five Go with
a sure thing Denver's best roofer Excel roofing dot com.

(01:06:12):
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 durand the real estate Man dot com to

(01:06:33):
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hey Tom Martina here, welcome
to the whole gang. Here Major Mark Major, We got
everybody here. Let's go to the phones and see what
we can do to help you. And uh three O

(01:06:54):
three seven one three talks seven one three eight two
five five. Uh So Steve was giving us his his
long story about how they are changing out these censers
over and over and over under recall and it's a
pain in the ass. It is, it's inconvenient, it's terrible.
Have you ever thought about switching to another dealer? That

(01:07:17):
my exact thoughts. I'd get it over to McDonald honday.

Speaker 18 (01:07:19):
Brother.

Speaker 4 (01:07:20):
I like McDonald honday.

Speaker 5 (01:07:21):
They got a brand new service center office C four seventy.
That is, it is the mac Daddy mac Daddy.

Speaker 13 (01:07:29):
So what we are.

Speaker 9 (01:07:30):
We're considering that one hundred percent. The problem is is
I started with these guys. I didn't want to reinvent
the wheel going to a different service center. But when
this thing is finally under my skin, under my seat,
if you will, I'm gonna dump this car. I won't
buy a Hyundai again. I swear to God this experience.

Speaker 5 (01:07:49):
Well, I don't think you can blame the whole problem
on a bad dealership.

Speaker 4 (01:07:53):
I mean, these guys suck it, fix some stuff.

Speaker 9 (01:07:56):
Well that's the other part is you know I started there.
I wanted to finish it there. And if it comes
down to it where yeah, I can't dump it and
get into something better. Maybe Yeah, I'll think it over
to mc donald the hope that God it doesn't break again.

Speaker 4 (01:08:09):
Yeah but wait, wait a minute. Though, in general, Hyundai's
a pretty dependable brand, are they.

Speaker 9 (01:08:16):
I don't have that experience. I couldn't tell you that.

Speaker 4 (01:08:20):
Well, he definitely has it fair enough, huh.

Speaker 5 (01:08:26):
The best advice we can give you is what we
just told you, though, Get it the hell out of
a rapa ho HONDI. I told you they used to
charge fifty cents for coffee when you were buying a car.

Speaker 4 (01:08:39):
Oh god, we got more. We got more coming up
on The Troubleshooter Show. Three all three seven one three
talks seven one three eight two five five stick around,
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.

(01:09:00):
Three 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 real estate
Man dot com to list your home with Remax Alliance

(01:09:20):
three oh three nine two zero sixteen twenty two ye.

Speaker 2 (01:09:28):
Ripped of.

Speaker 1 (01:09:30):
New need advice?

Speaker 2 (01:09:32):
Who you don't have? Come running as fast as we can.

Speaker 1 (01:09:39):
Shooter's gonna help, come man.

Speaker 3 (01:09:43):
Six is the Troubleshooter Show. No Tom Martino, Hello.

Speaker 4 (01:09:48):
Tom Martino here? Three O three seven one three talk
seven one three A two five five What who's doing
the thumbs down on my screen? How the hell did
that happen? How did you see that? There's a gesture
going on like it keeps throwing down down. Is that
coming from YouTube or where? No, you must be doing that.

(01:10:11):
Don't worry, I'm not doing it anyway. Welcome to the show, folks.
For those not on the screen, welcome. Hey, Dave's got
a question. But this is a consumer show. We talk
about basically everything. Okay, anything that you want to talk about,
you call us. If you need help, you call us.
We have Integer Insurance with us today, and they do
health insurance made simple and smart.

Speaker 6 (01:10:32):
It really is.

Speaker 4 (01:10:32):
I mean, I can't even imagine, I, honest to God,
cannot imagine trying to shop for health insurance on my own.
I just can't imagine it. It is so varied and
the same thing when it came to the supplements, so
I just depended on them ever since the exchange came

(01:10:53):
out or actually, no, we were dealing with you before Obamacare.
I've known you for years. That's right. For Obamacare, was
it easier to find insurance or harder?

Speaker 6 (01:11:04):
Depends dependent on your health, right, You're.

Speaker 4 (01:11:07):
Right, because there were pre existing conditions and all of that.

Speaker 7 (01:11:10):
But but certainly, yeah, processes are always complicated to a degree. So,
but everything's online now, all the all the applications, everything, Okay.

Speaker 4 (01:11:21):
And uh, Dave, you have a question on selling a business, Dave,
go ahead, Sir, Mark has sold a business or two.
What's going on?

Speaker 14 (01:11:30):
Yeah, I've got a.

Speaker 11 (01:11:33):
Business I'm thinking about selling, and I was wondering if
you could recommend a good business broker that.

Speaker 13 (01:11:39):
I could speak with.

Speaker 4 (01:11:40):
You may or may not need a broker. I just
want to talk about the common football pitfalls of selling
a business though in general. What is your what is
your business? What kind?

Speaker 2 (01:11:52):
Uh?

Speaker 11 (01:11:53):
It's a crane business? A service, crane service?

Speaker 4 (01:11:57):
Oh okay? And is it a crane service for delivering
stuff like hot tubs to houses? Or is a crane
service for construction sites?

Speaker 13 (01:12:05):
Yeah?

Speaker 11 (01:12:05):
Construction?

Speaker 13 (01:12:06):
And how the yeah?

Speaker 4 (01:12:07):
Both just anything, just a crane service. And so again,
these are these are just enlightening questions. I like to ask.
Do you when you sell, will you be selling the
mostly equipment or is their real estate involved?

Speaker 11 (01:12:24):
No real estate, There'll there'll be equipment.

Speaker 4 (01:12:27):
And the business book, okay, and the business book is
it recurring?

Speaker 2 (01:12:35):
It is?

Speaker 11 (01:12:36):
Yes, sir, I've been in.

Speaker 4 (01:12:37):
How much of it is recurring? Because that's all they
care about. How much of it is recurring?

Speaker 11 (01:12:42):
Oh like ninety plus percent?

Speaker 4 (01:12:45):
Oh, you got regular clients? That need crane service. That's good.
What are your gross revenues?

Speaker 11 (01:12:53):
Oh, it'll be probably. I think we're at six hundred
thousand this year.

Speaker 4 (01:13:01):
And what are your expenses?

Speaker 11 (01:13:05):
I don't have all that in front of me, Tom,
I mean, are they are?

Speaker 4 (01:13:08):
I mean what I mean is, let's talk about equipment.
How old is your equipment?

Speaker 11 (01:13:16):
I have some two two thousand and six machines and
a twenty and fourteen machine.

Speaker 4 (01:13:23):
How long do they last?

Speaker 11 (01:13:25):
Oh? Forever? I have a ninety nine machine that I
can I don't use.

Speaker 4 (01:13:30):
But what do they cost? Those machines?

Speaker 2 (01:13:33):
Oh?

Speaker 11 (01:13:33):
Like the twenty fourteen machine would be around a little
over half a million.

Speaker 4 (01:13:40):
Now, okay, So your equipment altogether, if you added it
up right now on a really fair price, what would
your equipment be worth right now?

Speaker 11 (01:13:50):
Six hundred thousand?

Speaker 4 (01:13:51):
And your your your book of business is five to
six hundred a year, Sir? Would you say your expenses are?
Are are run on a thir.

Speaker 3 (01:14:03):
Yeah?

Speaker 11 (01:14:04):
I would say twenty five at the most.

Speaker 4 (01:14:06):
Mark, What do you think I was asking all these questions?
What do you think, Mark? Now that you've heard all that,
I don't know what he's looking for in the price.
So let's just throw what I'm thinking though, I mean,
is I'm just curious. Two million is what I was
thinking with the equipment. But Mallory, my CPA of many, many,
many many years, has lots of connections and has helped

(01:14:29):
put together deals on lots of businesses, including some of
the financing side of it, the valuation of the business,
and then of course actually finding or knowing people that
might want to actually buy the business.

Speaker 5 (01:14:41):
So I would give him as a suggestion. And then
the other ones that can help you on a referral
list is uh, the Retirement Center Tom. They they specialize
in selling businesses as well.

Speaker 4 (01:14:55):
Yeah, rpcenter dot com OURP center.

Speaker 2 (01:14:57):
Thank you.

Speaker 4 (01:14:58):
Now, as far as you're business goes, though, were you
thinking two million? I'm thinking a little more because the
equipment is a half okay, and then but then excuse me,
the equipment is about yeah, five or six hundred right now,
you have you have about five or six hundred in
a year and maybe twenty five percent expense. So if

(01:15:20):
it's spinning off.

Speaker 5 (01:15:21):
Let's say you're doing I did basically three times in
three years, he's gonna pull down about a half a million.

Speaker 4 (01:15:28):
That's what I assume and then the equipment.

Speaker 5 (01:15:31):
And that's where I got two million, three times earnings
and then plus equipment.

Speaker 4 (01:15:35):
Okay, three times so time. But did you take into
consideration the twenty five percent expense?

Speaker 2 (01:15:42):
Uh?

Speaker 5 (01:15:43):
No, I didn't, but I still think maybe around two million.
What I I just don't know anything about that business.

Speaker 4 (01:15:48):
I just have no idea. But if he has a
recurring book, how long has that recurring book been going on.

Speaker 11 (01:15:54):
I've been in business well over twenty years.

Speaker 4 (01:15:57):
Man, you got something good to sell? Man, I'm telling you,
don't you have? Like, do you have any offspring that
are interested?

Speaker 11 (01:16:05):
I was just gonna mention that I have a twenty
seven year old son, but he does operate a machine
forst does a fantastic job, really really good at it,
know the customers, but has no interest in running the business.
So and okay, wow, pushing pushing seventy So that's.

Speaker 4 (01:16:25):
Too bad, man, What a nice little cash flow situation.
And that's a really nice business, Dave, You've built a
really nice business, you know what you know? As far
as brokers, yeah, that is probably something that's going to
need a broker. Don't brokers charge about fifteen percent?

Speaker 2 (01:16:41):
Though?

Speaker 11 (01:16:42):
I think ten ten plus, Yeah, maybe maybe more. I'm
not I'm not certain.

Speaker 4 (01:16:51):
Yeah, call up Mallory over at Smith and Levine. Okay, Yeah,
here's a lady or a Mallory is an accountant? Is
a man?

Speaker 12 (01:17:03):
Yeah, a man?

Speaker 11 (01:17:04):
I'm sorry, Okay, I'll give you well for sure, for sure.

Speaker 4 (01:17:07):
If you're approaching seventy, man, you better get out of business.
You're just I don't even know how you can make
it into the office every night.

Speaker 6 (01:17:13):
I get shot.

Speaker 4 (01:17:14):
I hear those kind of numbers.

Speaker 11 (01:17:15):
I'm I'm kind of like Tom. I'm get me on
the proco ball court.

Speaker 6 (01:17:20):
Let's go.

Speaker 4 (01:17:21):
Yeah, let's have fun anyway, Okay, Dave, I hope that helps.
But Mallory's a good source to start. And then Rpcenter
dot com Retirement Planning Center of the Rockies is not bad.
Three all three seven one three tong seven one three
eight two five five. And we do have our guests
with us from Integra Insurance about health insurance. And someone

(01:17:42):
wants to know about group plans. Do you guys do
group plans for businesses?

Speaker 6 (01:17:47):
We do small group.

Speaker 4 (01:17:48):
So what is a small group?

Speaker 6 (01:17:51):
Typically under fifty employees?

Speaker 4 (01:17:52):
Under fifty Oh, that's pretty large. Okay, So larger than
that are different kinds of brokers.

Speaker 6 (01:17:58):
Yes, sir. Okay, now who focus on those larger groups, Yes, sir?

Speaker 4 (01:18:02):
On these smaller plans, what's the big hang up? In
other words, is it cheaper to get a group plan
or to allow or do you have to do you
have to You don't have to provide insurance, right.

Speaker 6 (01:18:15):
Not for if you have less than fifty employees, you don't, not.

Speaker 4 (01:18:17):
Less, but you can as an approach as a way
to attract and keep employees, right sure, okay, with group plans,
This is my question, not to Texters, they wanted to
know if you did it. I want to know this.
Are employers always obligated to kick in a portion?

Speaker 7 (01:18:35):
It's certainly recommended, but again under a under fifty No,
But if you're offering it, you should.

Speaker 6 (01:18:41):
There's no point in you offering it if you're not contributing.

Speaker 4 (01:18:44):
You don't get discounts because of a group No.

Speaker 7 (01:18:47):
Actually, in Colorado, and it does vary by state, but
in Colorado, group premiums in pretty much every rating area
are higher than the individual and family market.

Speaker 6 (01:18:57):
So there are other options as well.

Speaker 4 (01:18:58):
Yeah, you could do something for your employees, like an
allowance for it well, so there is something called an EKRA.

Speaker 7 (01:19:04):
It's called an individual coverage Health Reimbursement arrangement.

Speaker 4 (01:19:07):
Oh, that's cool.

Speaker 6 (01:19:08):
That allows you to contribute pre tax just like a group.

Speaker 4 (01:19:12):
I can contribute pre tax to an employee.

Speaker 7 (01:19:14):
Well, yes, for them to go shop the individual market.
But there's still a lot of there's there's a lot
to that and documentation and all of those things regulation
as well.

Speaker 4 (01:19:25):
But the business gets to give pre tax money to
their employee to reimburse them. Yes, sir, that's a pretty
cool plan. I mean, especially if group plans are more expensive,
why would you ever do a group plan? I don't
get that.

Speaker 7 (01:19:38):
Well, so the group market allows you PPO options, so
a network of doctors and hospitals that is nationwide, where
you don't have that option on the individual market. And
so for for a lot of groups, that's an important
benefit is to be able to have that PPO nationwide network. Okay,
so that's really I mean, that's that's one of the
big difference.

Speaker 4 (01:19:56):
The group plans are the ones that truly take advantage
of the PPOs.

Speaker 6 (01:20:02):
Yes, sir, there are no PPO options on the individual Hey, Mark.

Speaker 4 (01:20:05):
Let me bring you up here.

Speaker 5 (01:20:05):
Are you still on Kaiser yeah, I've had Kaiser actually
through Integra for god Man, I don't know how many years.
And then prior to that, when I owned the Good Years,
we had around fifty employees and I had Kaiser for
my employees, and then prior to that, I had Kaiser
through my computer stores. I've had Kaiser for probably twenty years.

Speaker 4 (01:20:31):
Okay, Anyway, I think you had a love hate relationship
for a while. Sometimes you love them, sometimes you don't.

Speaker 5 (01:20:38):
The worst part I ever ran into with Kaiser, the
worst thing. I mean, I've had some I don't want
to say I've had some issues, but I dig not
everything goes great. But the biggest issue I had was
during COVID, how they wanted to cram those shots into
you more than any doctors I ever. I mean, you

(01:21:01):
couldn't even wake up without getting a text from them
to get in and get your shot before you die.

Speaker 4 (01:21:07):
They were so heavy duty on that stuff. It was
just so overboard. It was crazy. By the way, Mark
being on Medicare right, so you would not believe the
emails Medicare sends out to seniors on on on this vaccine.
My god, are they just like it's like every day

(01:21:29):
you're getting hounded.

Speaker 5 (01:21:30):
There's everybody people, everybody I know, and I think not
this year, but last year you fell into this. That's
got that double vaccine you have advertised where you get
the flu in the COVID at once.

Speaker 4 (01:21:42):
Including deputy doc. It knocks there in the dirt. I mean,
it just didn't. I've never had that double thing.

Speaker 2 (01:21:49):
I know.

Speaker 4 (01:21:49):
No, no, no, I thought you did. Last know. The
thing that knocked the hell out of me was I
had the the shingrits, the pneumonia and the other. There
were three things. They were just as you get older.
I guess no moment you knocked them all out. Oh yes,
well no, no, what's that one? Oh yeah, that's right,
the respiratory thing. You're right. I had those three and

(01:22:10):
couldn't get out of bed the next Oh man, uh yeah,
that was something. Okay, we got to take this quick
break three O three seven on three A two five
five go with a sure thing Denver's Best roofer Excel
roofing dot com. You don't pay a cent until you're content.

(01:22:34):
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
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 Time three seven

(01:23:01):
one three Talk three oh three seven to one, three
eight two five five eight eight eight Heating dot Com.
Remember for the UH forty five dollars Deep Clean eight
eight eight heating dot Com. I want to remind you
of them. They're good people and this is the time
of year to get things fixed. So we have Integra
Insurance with us and we're taking your problems, questions and complaints.

(01:23:23):
And uh Kachina, let's talk about uh Jeffy Lube. I
want to go back to that. In the beginning of
the show here it was UH soil.

Speaker 16 (01:23:33):
Change Gear Oil change Gearmo Diaz called in and he
had an issue with Jeffy Lube, and he gave me
two numbers, one to the local manager of the Jiffylube
that he was at and then one to the district
regional manager. So I talked to both of them, and unfortunately,

(01:23:57):
because of corporate responsible and things like that, they were
not able to come on the show, but they do
say that there is a motor. They want to change
out the motor because they realize that they did do
damage and they're willing to do that. But unfortunately Geirmo

(01:24:19):
has not answered them back.

Speaker 4 (01:24:22):
He said he hasn't heard from that.

Speaker 5 (01:24:23):
Well that's kind of funny because he's saying the same thing.
I mean, that's ridiculous.

Speaker 4 (01:24:28):
So so saying he hasn't heard from.

Speaker 16 (01:24:30):
Them, right, So I left a message for Girmo back
and I have not heard anything back yet.

Speaker 6 (01:24:37):
But that's the update on that.

Speaker 14 (01:24:40):
Hmm.

Speaker 4 (01:24:41):
Interesting. Okay, sod did we call him back? Did you
say you were trying to call him back to tell.

Speaker 16 (01:24:47):
Him I loved him a message.

Speaker 4 (01:24:49):
I'm trying me just all right, that's good. Look at
he ought to call and say, look, I was told
you're going to take care of this, so take care
of it please. Okay, and let me go back to
let me go back to my texts. Okay, this guy
said what do you do about this? To my fellow neighbors.
This is a posting that he copied on our text.

(01:25:13):
I wanted to make you aware of three oh three
Roofing and Construction Now, did we have a problem with them?
Three oh three? I believe we did. Let's go into
our memory base anyway, three oh three Roofing and Construction
and Josh Sandoval absolutely I remember this, okay. He requested
ten thousand dollars upfront to begin work on my roof Now,

(01:25:37):
of course I negotiated a five thousand dollars down payment.
So this person thought they were protecting themselves. It's been
three months and not heard a word. That is just
goes to show you people don't put a penny down
with roofers, do you hear me? Not a penny with roofers.

(01:25:57):
Josh Sandoval is a scumbag with three to zero three roofing.
So that is coming in through my text, and you know,
here's what pisses me off. These are clear violations of
the Contractor's Trust Act, which is meant to be civil
but then criminal. We have this justin what's his name,

(01:26:20):
that Jerk Gustin justin Garcia, and who's been now I
know Bo's been doing. Were you the one in touch
with the El Paso No, it was Bo with a
Passo District attorney.

Speaker 6 (01:26:31):
That was Bo.

Speaker 17 (01:26:32):
I was in touch with the Colorado Attorney General's office
and the police department.

Speaker 4 (01:26:37):
Now the El Paso County won't do anything a Passo
County because they say that it's a civil matter, and
they're full of crap. It can be a civil matter
if it was a simple contract matter. But this is
where the guy stole from her completely, sixty two thousand dollars.

(01:26:59):
He's a liar and he's a thief. He's a liar
and a thief Justin Garcia. He's a liar and a thief,
and I want to give out his information. I'm trying
to find it here on our call screener. But man,
I'm telling you, this guy is just such a scumbag. Okay,

(01:27:20):
here he is. In June of twenty twenty three, she
contracted for a custom built for a custom build on
a cabin. Okay, she wanted to have this cabin put
on her property. She contacted the company and bought the cabin,

(01:27:41):
but then went to Justin Garcia and paid him sixty
two thousand dollars down two years ago. He's never done
a liquor work, period, not one liquor work. Sixty two
thousand dollars and this stupid moronic El Paso County District
Attorney is just sluffing it off, saying, oh, that's a

(01:28:02):
civil matter. You know what it means when they say
it's a civil matter. Well, sometimes it is a civil matter,
but most of the time it means I'm on the
public dole, I'm sitting on my ass and I don't
want to do anything that really helps people. That's what
it means for al Paso County District Attorney. Now, has

(01:28:23):
anyone questioned the al Paso County District Attorney and said,
could you give us your reasoning on the air? Can
we do that?

Speaker 11 (01:28:30):
Bo?

Speaker 4 (01:28:31):
I know bo is probably listening today. Let's do that,
because that really sucks that they This is a clear
violation that money was not put into trust. Now, when
you have violations of the Contrastors Trust Act, yes, it's
civil when it is person to person, but when they

(01:28:51):
do something so blatant, it can become criminal and prosecutable.
Unless you're in al Paso County. I don't underst stand
them at all. It was al Paso County though, right,
that was the one she was dealing with.

Speaker 6 (01:29:04):
That's the email that I saw from BO.

Speaker 4 (01:29:07):
I'm just really pissed off. I saw the email to
they won't help. Is the state Attorney General going to help?

Speaker 17 (01:29:14):
Well, apparently they had a meeting with Phil Weisner himself
a few days ago in this matter, and they haven't
told me what, if anything, they're going to do. They
just asked me to kind of stand by, and the
AG's office said that they'll get back to me.

Speaker 4 (01:29:29):
This is a sixty two thousand dollars theft from an
elderly woman, sixty two grand. This is why we need them.

Speaker 5 (01:29:37):
This is why we need more people like George Brockler
that are actually hard on real crime. I don't care
if it's economical, because here's the bottom line. Sixty three
thousand dollars could be that person's entire life, entirely it is.

Speaker 17 (01:29:52):
It is ray the last of her money. She's old, broke, lonely,
and scared.

Speaker 5 (01:29:58):
These liberal das should get their head out of their
asses and prosecute these contractors like this guy.

Speaker 4 (01:30:06):
Yeah, it's it's really terrible, It really is.

Speaker 5 (01:30:08):
You know, when Florida they take these guys down, they would, Man,
they don't mess around and with contractors.

Speaker 4 (01:30:14):
In Florida, No Mark, not only that, listen to this
in Florida when it's a felony over a certain amount
of money, I think a thousand or two whatever. If
you have three of them, there are actually contractors sentenced
to life life. You know they had. It wasn't long ago.

(01:30:35):
I think it was a week ago. After the hurricane.

Speaker 5 (01:30:38):
They came out and the one sheriff maybe it was
a governor or himself said, you know, you loot, we shoot,
And they're not kidding.

Speaker 6 (01:30:46):
God.

Speaker 4 (01:30:47):
You know again, it's an election year, people are going
to vote. Just remember where crime is rampant and where
crime is not. How about that one just going by
crime itself, you know, just think about that three oh
three seven one three talk.

Speaker 5 (01:31:08):
It's it's a sad place we're at when it comes
to crime. It's hard to believe that we have such
political differences at one side, like thinks crime is fine.
If you can shoplift anything you want under a thousand bucks,
no problem.

Speaker 4 (01:31:22):
Will cut you out.

Speaker 5 (01:31:23):
You can beat up cops cops in New York City,
kick them in the face, do all this stuff, and
they let you out on bail.

Speaker 4 (01:31:31):
I mean, how about with zero mo Colorado you can
steal cars?

Speaker 5 (01:31:35):
Oh my god, we were the worst, the worst with
car staffs because our governor, everybody out there listening, less
than three weeks to go for just please, please, for
God's sake, just think of the crime. I've lived here
thirty years. It used to be a pretty nice damn place.

Speaker 4 (01:31:53):
Well.

Speaker 15 (01:31:53):
You know what's really scary, guys, if you ever watch
some of the hearings on YouTube of the Republicans questioning
the Democratic nominees for circuit and federal court judges, you
will be sixty a stomach about some of the judges
that are being put on the bench.

Speaker 14 (01:32:12):
It is absolutely disgusting.

Speaker 5 (01:32:14):
That goes on both sides. For sure, we got some.
There's some crazy white wing, right wing judges.

Speaker 4 (01:32:20):
They're not like these.

Speaker 14 (01:32:21):
They won't. They actually gave a list of all.

Speaker 5 (01:32:24):
Times doctor crime. Stuff's incredibly bad. I don't even know
how they do it. Yeah, but somehow, how do you
look at how do you look at cop or or
anybody that got the crap beat out of them by
some gang member that they arrested. How do you look
them in the eyes when you don't even charge them
for bail and cut them loose and then they do

(01:32:46):
it again. How do you look at the next victim?
It's remarkable, I know, and then hold on now, no wait,
I want to say one more thing. When it comes
to Colorado, you know, they want to make it sound
like this Aurora complex.

Speaker 4 (01:32:58):
Oh, Trump's just making it up. I saw the video.

Speaker 5 (01:33:02):
Does anybody doubt there weren't people with high capacity weapons
that when I related to a gang walking around.

Speaker 4 (01:33:09):
Mark Mark Mark, I just watched next on Denying News
and Denying News says it didn't happen. It's crazy. It's
like the lady actually made up the video.

Speaker 5 (01:33:22):
By the way, the lady that got that video was
at the rally last week and she came.

Speaker 4 (01:33:27):
Up and talked with Trump. Did you see and then
and then then the mayor did you wait to say
a discussion with Vance on on the one show where
where the woman was hollowed, they changed the answer no, no, no, no,
talk about where Vance and and this blonde woman, I

(01:33:48):
forget who she was. She was saying, you know, we
looked into that Aurora, Colorado apartment house thing, and it
was sadly exaggerated. Here's what she said, only a handful
of apartment. How As we're taken over and the cent
Aurora police dealt with it, and he says, excuse me
in the United States of America. You're saying that's not

(01:34:10):
a problem, that only a handful of apartment houses were
taken over, and Donald Trump is the problem.

Speaker 2 (01:34:16):
You know it was.

Speaker 4 (01:34:17):
It was such an amazing exchange, and uh, of course
that's nothing you're going to see on denying News. Anyway.
We got more coming up 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 content. Time for

(01:34:41):
an insurance checkup free, no obligation. In 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 home with Remax Alliance three three nine two
zero sixteen twenty two. Hi Tom Martino, you're Troubleshooter three

(01:35:10):
O three seven one three talk three oh three seven
one three eight two five five. Welcome to the show. Okay,
so let me grab some texts here and we're going
to first go to Grandmo Garamo, who had the problem
with the contractor. Let's go here. Okay, so do we

(01:35:33):
have an update on oh oh, on the uh on
the jeep? Grandma, what's going on?

Speaker 18 (01:35:39):
Hey, good afternoon, Tell Latin, how are you good?

Speaker 4 (01:35:41):
What's happening? Oh? This is a new this is a
new one. I'm sorry. I thought this was a follow up.
I'm sorry. This is about a roofer correct, Okay, what's
going on?

Speaker 2 (01:35:53):
Well?

Speaker 18 (01:35:53):
I guess basically, uh, you know, three months down the road.
I gave him a check on July second week, we
went under contract. On June twentieth. We signed a contract.
We have all the documentations. I gave him a check
of five thousand dollars.

Speaker 4 (01:36:07):
Now is this the and which one is this? Is
this the one I was reading about?

Speaker 18 (01:36:13):
Yes, I just called him a little bit ago. His name,
his name is Josh dand the ball.

Speaker 4 (01:36:18):
Yeah, we've had three oh three and he's using someone
else's contract. Now, as as I remember, what, didn't three
to oh three tell us that this Josh Sandoval had
nothing to do with them? I thought that's what they
told us. Yeah, hold on, here's the one I have.

(01:36:40):
Here's the one I have.

Speaker 2 (01:36:41):
Uh?

Speaker 4 (01:36:41):
Kayla called us about three oh three roofing and Construction
LLC and Josh Sandoval and Josh Sandoval is at seven
to zero three two zero eighty three eighty seven Unit
one on Yukon Street in Denver. She paid six grand
up front. He never came back. The company three zero

(01:37:02):
three Construction Roofing into Constructions say they don't even know
the guy and have nothing to do with him. Apparently, yeah,
he is using someone else's contract.

Speaker 18 (01:37:14):
From my understanding. From that, there's a guy by his
website's like legit and stuff. His name is the three
or three Construction, But this guy has a I don't
know if if it's a stake contract or documentation that
he's using by he's going by the name of three
O three Roofing and Construction. I did call Brian Moore,

(01:37:35):
which is the owner of that three yo three construction company,
and he gave me some information that this person Josh
a found the wall is using his contract contract illegally inofense.
I'm not sure if he's submitted paperwork or called the
deputies or any.

Speaker 4 (01:37:50):
How long ago did you pay him? How long ago?

Speaker 18 (01:37:53):
Dave him a check July second, a check of five
thousand dollars and he said with him that sign from
you know, because of the catastrophic event that happened in
the Thornin area that we would be looking at between
two to three weeks for installation, which was fine, you
know at the end of that, and you never.

Speaker 4 (01:38:11):
Heard from a mcganbal and you never heard from him again.

Speaker 18 (01:38:16):
I have, but he's like he stocked contacting me the
communication at all. I've called the deputies. They can't really
do anything. They all they just guess is bring a
small claims court. But I just think it's wrong, disper
Why is it?

Speaker 4 (01:38:30):
Why is it that law enforcement will not get involved
with people who outright steal money like this? Why is it?
I mean, really we have to start. We really need
to contact some people with the local district attorney's offices
and talk to them. This is getting to be epidemic.

Speaker 18 (01:38:52):
And I would just feel horrible if this comes to
tap into an olderly you know people, or anybody over
on general. It's nonsense that this person is doing this.
He's you know, not communicating that with me at all.
And you know the thing is that his ex wife
referred to him to me. That's that's how I kind
of like trusted him a lot. More is because his
ex wife is a friend of mine, but these stopped

(01:39:13):
communicating with her at all. She tried to help out,
Like he's just being picking it very personal off this point,
he's you know, just rude overall. Doesn't have to take
accountability at first. He's giving me excuses after excuse of
like contractors of contractors doesn't take accountability.

Speaker 4 (01:39:30):
It's a scam ability, it's a scam. It's just let's
just call it what it is. It's a scam factor.

Speaker 18 (01:39:38):
Yeah, and unfortunately, you know, three months, you know, now
it's already like four months that have been in contract
with him, and no mindy with just those five hundred
dollars se number turn he sent him a threat check
cashier's check. But now it's going to be more of
a hassle for him to pay me those additional nine
payments because he posted on the in the memo that

(01:39:58):
this is the first payment of ten payments, which is,
we didn't agree to this to return my money this way,
and it's just he's a camera.

Speaker 4 (01:40:06):
Wait, has he given away did you say he gave
you some money back?

Speaker 18 (01:40:11):
He'd spent a check of five thousand dollars to my
home address. I'm sorry, five hundred dollars.

Speaker 4 (01:40:18):
Sorry, that's my fault, and said he would pay you
in five So wait, was it a good check?

Speaker 18 (01:40:24):
I did was able to pass it. But the thing
is that me and him did not come in agreement
to this.

Speaker 4 (01:40:29):
No, no, I understand this, but I just want to know.
I want to give credit where credits due. He did return.
I'm not saying that's the greatest thing in the world,
but he returned five hundred.

Speaker 14 (01:40:38):
Bucks corrupt five dred dollars yet, and.

Speaker 4 (01:40:41):
He promises to return more. I want to call him.
Who's we had bow handling? This bow isn't here today?
Is he? Because we had both?

Speaker 2 (01:40:54):
Tom? Huh.

Speaker 14 (01:40:55):
I'll give him a call.

Speaker 4 (01:40:56):
Yeah, we had that number. Did you get his number?
I have his number? You probably Germot has his number two.
Talk to him off the air. Three oh three seven
one three eight two five five. Go with a sure
thing Denver's Best roofer Excel Roofing dot com. You don't

(01:41:17):
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 when you choose Frank
durand the real estate man dot com to list your

(01:41:38):
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here three O three
seven one three talk seven one three eight two five five. Okay,
so Berta, what's going on with American Airlines?

Speaker 21 (01:42:01):
Well, my husband, my grandson, and I purchased tickets for
a trip on American Airlines, but we had to cancel
because my grandson got COVID and they said, okay, we
can't return your money, but we'll give you trip credits
and we said okay, and it was good for a year,
which expired May twenty twenty four. In May twenty seventh. Actually,

(01:42:29):
during that time, we were trying to figure out when
we could go on this trip with my grandson being
in college and whatnot. That he ended up having job surgery,
had to delay it. My husband had back surgery.

Speaker 4 (01:42:41):
Yeah, but what happened to the what happened to the deadline?

Speaker 21 (01:42:45):
Well, then when the deadline was coming up, I was
making plans with the reservation person and I thought it
was expired. Me thirty first and it was May twenty seventh,
and when I called on.

Speaker 4 (01:42:58):
Major, I mean you, I mean three days.

Speaker 21 (01:43:02):
Well I did because of all this surgery recovery time.

Speaker 4 (01:43:07):
That we mart hold on, let me take you up
and see what's gonna go on. She was talking to
him at the time. Went right over the day. We'll
see what happened. So stick around. I'll come to you,
and Frank I'll get you as well. We also have
Integrainsurance dot com. I'm Tom Martino three oh three seven
to one three talk or three oh three Martino three
oh three six two seven eight four sixty six. Go

(01:43:30):
with a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you're content of 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 when

(01:43:52):
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.

Speaker 2 (01:44:05):
Ripped up needed by So you don't have come running
just as fast as we can.

Speaker 1 (01:44:16):
Shooter's gonna help come.

Speaker 3 (01:44:19):
Man Dix is the Troubleshooter Show now, don Martine.

Speaker 4 (01:44:25):
Hey, welcome to the show. Three oh three seven one
three talk seven one three eight two five five. Let's
talk to you about life, liberty and the pursuit of happiness.
And we have Mark standing by as you'll see him
right there, and we are here to solve problems. You'll
see in my studio here. I got Integrat Insurance for
talking about buying insurance because it is open enrollment and

(01:44:48):
I want you to join us for that and you
can ask any questions you want about buying health insurance.
It's very important. And also this how are brought to
you by Wave eight Wealth Management. As I announced yesterday,
I had started that finance company financial advisement company for
a reason. I was sick and tired of the industry,

(01:45:10):
and I did it selfishly six years ago for myself,
and then became officially registered with the Securities Division the
other day. Officially. We've been working on this for six
years and we have a private fund and other things.
One hundred percent of my investable money is here with
my own company and I would never do anything that

(01:45:32):
I don't do personally. And we are opening it up
for a limited number of clients three all three seven
seven one help seven seven one four three five seven.
That's seven seven one help, three oh three seven seven
one help. The website is w eight WM dot com

(01:45:52):
or you can spell it out Waveightwealthmanagement dot com. By
the way, just as an aside note here in general,
I just want you to know that probably ninety eight
percent of every single so called financial advisor you will
come up against. And I'm not saying they're doing a
bad job even I'm just saying ninety eight percent of

(01:46:12):
them are middleman and do not invest your money. They
actually just put you with a broker dealer and make
a spread.

Speaker 13 (01:46:20):
That's right.

Speaker 4 (01:46:21):
So if you want that, that's fine. If you're doing well,
I'm never going to tell you, you know, one thing
is better than another. There's the only proof is in
the pudd in. So welcome, and we have Major Mark
Major on camera with us. If you're joining us by YouTube.
We also have John and we have some questions about
health insurance and they want to know something about Medicaid.

(01:46:46):
Do you help people if they call you, if they're
eligible for Medicaid? What do you do for those people?
In other words, if they're not sure they're eligible and
you find out they are, what do you do.

Speaker 6 (01:46:56):
We'll direct them to people who can help them best.

Speaker 7 (01:46:59):
And so we'll provide the information that they need to
connect with people who can help them best on the
medicaid side of things.

Speaker 4 (01:47:05):
And are they government people okay? Do they do a
pretty good job, sir? Okay? And Medicaid I just want
to get this out is predicated not on what you own,
but what you make.

Speaker 6 (01:47:16):
Well depends, well, tell me what you're talking.

Speaker 7 (01:47:18):
There's different And again I'm not a medicaid expert. In
some well, medicaid expert. But for medical for health care,
it is based on your modified adjusted gross income, okay.
But for other things, whether it's cash assistance, food assistants,
things like that, they do take into account assets. But

(01:47:39):
for health care, if you're applying for health first Colorado
for health care, then it is based simply on your
modified adjusted gross income.

Speaker 4 (01:47:47):
Okay, So you're modified adjusted income. Do you know what
that is? By any chance?

Speaker 7 (01:47:53):
Well, so I do recommend you talk to a CPA.
I recommend all my clients if you have a good
CPA because there are you and get into some weeds
with that. And I'm not certified to advise someone of
their taxable income, but uh, it's your adjusted gross.

Speaker 6 (01:48:06):
But then you add back in other times like non taxable.

Speaker 4 (01:48:09):
Social Security amount. Do you know the amount, oh.

Speaker 7 (01:48:12):
For someone to be eligible for Medicaid? Well, it depends
on your household. If you're if you're a single individual,
then it's it's a it's around twenty one thousand, it's
and Health First Colorado has this listed on their website
as well. What's you you know what those incomes are and.

Speaker 4 (01:48:26):
It's called health First Colorado.

Speaker 6 (01:48:27):
Yes, sir, that was rebranded our medicaid was rebranded to that.

Speaker 4 (01:48:31):
All right? Three oh three seven one three talk seven
one three A two five five. So what follow ups
do we have as far as far as uh, Mark,
you mentioned something that I was curious about. What's that is?
Is Brockler running for office again? George, I'm pretty sure
he is. Did you say to me three?

Speaker 6 (01:48:54):
He was?

Speaker 17 (01:48:54):
Yeah, we had I think it was Brad O. Bryan
a few weeks ago who mentioned that there's a newly
created district and Broccolar is running for office over there
because he's not term limited out in that new district.

Speaker 4 (01:49:06):
Yeah, because he was term limited in his last one.
Mm hm. And so what district is that it's?

Speaker 5 (01:49:12):
I know it incorporates like Aurora, I think Aurora or
a Rapo and whatever Elizabeth's in.

Speaker 4 (01:49:19):
I don't know what Elizabeth it's. I don't think it's Elpaso,
is it? Maybe? I don't know. The one thing that
really bothers me is is the downplay that consumer and
white collar crime gets. It's just outrageous to me how
many contractors are not prosecuted. I mean, I mean truly,

(01:49:40):
I'm talking about people just steal money. I mean, I mean,
on what planet is that okay to steal money? You
can't do it. It's just wrong. And I'm gonna I'm
gonna bring this up and bring it up and bring
it up. We have so many of them, so many
of them. The number one it just this justin Garcia

(01:50:03):
just takes the cake for sixty two thousand dollars outright theft,
outright theft. Now have we tried calling him recently, by
the way, because I think people this guy, he is
such a thief and he openly is stealing and you know.

(01:50:24):
Here's the thing. Here, here's his number. Let me give
us number out Do we have it?

Speaker 6 (01:50:28):
Yeah?

Speaker 4 (01:50:29):
Here's wait a minute, where is oh hey real seven
one hold on seven to one nine five seven one
zero four three seven justin Garcia seven to one nine
five seven one zero four to three seven. He also
has a company now called U What is that one

(01:50:52):
that that architect plays in? Eight innate?

Speaker 17 (01:50:55):
So I'm on their website now. They removed him from
their website. He wasted as owner without a photograph and
the copy.

Speaker 6 (01:51:04):
Was in Greek, so he was the only one there Greek.

Speaker 17 (01:51:08):
Yeah, you know it's web designers use Greek copy as
a placeholder for Yeah. So everybody Innate has their photograph
and the few paragraphs about themselves, but he had a
blank photograph. He had Greek and next to the Greek
had said owner. And now I'm on their website right

(01:51:29):
now he's gone from that website where he had himself removed.

Speaker 4 (01:51:32):
So Mark, what were you going to say?

Speaker 5 (01:51:34):
Brockler is actually going to be Douglas Elbert in Lincoln
County and it's called the twenty fifth Judicial District.

Speaker 4 (01:51:42):
They broke up. They used to be Tri County, right
or no, No, was it called Tri County.

Speaker 6 (01:51:47):
No, it's the health department that broke up.

Speaker 4 (01:51:49):
Yeah, that's right to tell me. They were in the
eighteenth and now they created a new one. And because
the rap hole was excuse me, da Albert was thrown
in with a rap hole one time, right, Douglas A.
Rappo and Albert?

Speaker 18 (01:52:02):
Was it or not?

Speaker 13 (01:52:02):
No?

Speaker 10 (01:52:03):
No?

Speaker 2 (01:52:03):
No?

Speaker 4 (01:52:03):
What?

Speaker 13 (01:52:04):
Well?

Speaker 4 (01:52:04):
I don't know, but now it's going to be Douglas
Albert and Lincoln. Douglas Albert and Lincoln. Okay, Now we
all had questions and we thought we answered it on there,
but we didn't. We were talking about it off the air.
Somebody asked about the penalty on health insurance. There is
no penalty anymore. But that's a long and sordid detail.

(01:52:28):
So technically there is a penalty, but it's zero because
the penalty was challenged by law, but the Supreme Court
did not hear the case. Is that right, correct?

Speaker 6 (01:52:41):
Yeah? Supreme Court just tossed it out.

Speaker 4 (01:52:44):
And so with why they said no standing.

Speaker 6 (01:52:48):
Standing brought it? I don't remember.

Speaker 7 (01:52:51):
Okay, I think somebody in California maybe, I'm not sure.
So so during the prior administration, the Trump tax cut,
they just reduce the penalty to zero dollars, and so
that's at least here through twenty twenty five.

Speaker 4 (01:53:06):
Okay, zero dollars. So instead of because it wasn't challenged,
what they did was they reduced it to zero. When
that expires in twenty twenty five, what expires the tax
cuts do well?

Speaker 6 (01:53:22):
The Trump tax cuts are twenty five, correct, so it's.

Speaker 4 (01:53:26):
Part of that will happen. What will happen then to
the penalty will go back to them?

Speaker 6 (01:53:32):
I can't tell. I mean, I guess we'll see what
Congress does this next year.

Speaker 4 (01:53:37):
All right, three oh three seven one three talks seven
one three eight two five five. So there is a
penalty of zero. It could go back when tax cuts expire.
Of course, a lot has to do with what happens
in the presidential election, and so god, that's anyone's guess
at this point. Three oh three seven one three talk

(01:53:59):
seven one three eight two five five. Okay, now listen
to this. We were thrilled. I was just telling my
hobby about the Tom Martino list and cannot begin to
explain how delighted I was to find you streaming on YouTube.
My mom would have been so excited, lol, Okay, by

(01:54:22):
the way, so it says here Albert County, Douglas County. No, no,
it's not Elbert and Douglas the twenty fifth it that's
very easy to look up. But anyway, let me go
back to the phone squake, Berta, what's going on with
American Airlines? Go ahead, Berta.

Speaker 21 (01:54:46):
I talked to you. I had trip credits that they expired,
and I wanted to know if you were your customers
or your clients. They said, then he had luck with
getting them reissued.

Speaker 4 (01:55:00):
You know what if okay, there is a deadline on those, but.

Speaker 2 (01:55:07):
We have not.

Speaker 4 (01:55:08):
I think we had one case where it was a
voucher that expired. Was this a voucher or just a
trip credit? How would did you get this.

Speaker 21 (01:55:18):
Credit because we had to cancel a flight?

Speaker 4 (01:55:23):
No? No, I mean how was it conveyed to you
the credit?

Speaker 21 (01:55:27):
I'm thinking it might have been a voucher. I will
have you see, I didn't know there was a difference
with vouchers and trip credits.

Speaker 4 (01:55:35):
Well, some people put if you have an online account,
you have trip credits, and sometimes they can be given
to your account. Other times people get an actual voucher.
It's email to them.

Speaker 21 (01:55:49):
Well, this is there was a number of a voucher
emailed to us, not the physical one, and that voucher,
that number won't work anymore.

Speaker 11 (01:55:58):
It's expired.

Speaker 4 (01:55:59):
So that's what Okay, that is a voucher. That is
a voucher. So here's what I want to ask you.
Did you call them and explain to them, like when
it was the twenty seventh or when you were on
the phone with them and it was about to expire?
What did you say to them?

Speaker 21 (01:56:18):
I told him I had vouchers, that we were getting
ready to plan the trip and we were going through that.

Speaker 4 (01:56:23):
And what did they say.

Speaker 11 (01:56:26):
That At that time?

Speaker 21 (01:56:27):
It was fine. They didn't say, hey, you got to
make the reservation today, But did.

Speaker 4 (01:56:31):
You know that it expired in two or three days?
When you were on the phone with them, I thought.

Speaker 21 (01:56:37):
It expired on the thirty first of May, and there
was a glitch in the reservation. I was going to
check with my husband and call back. When I did
call back, they said, oh no, it expired on the
twenty seventh, not the thirty first.

Speaker 4 (01:56:50):
What does your voucher itself say as far as expiration.

Speaker 9 (01:56:54):
It does say the twenty seventh.

Speaker 4 (01:56:56):
Oh crap? How much credit was it?

Speaker 21 (01:57:02):
It came to about one thousand dollars for holy crap.

Speaker 4 (01:57:06):
Yeah, and they won't reconsider or you don't know.

Speaker 21 (01:57:12):
Well, I can went online to their customer service, which
I was told that's the only way you can talk
to them is go online, and I just got an
answer right away. It sounded like the standard answer. No,
I'm sorry for your inconvenience that we cannot.

Speaker 8 (01:57:26):
Re issue them.

Speaker 21 (01:57:29):
That's what I'm telling you to see if if there
is another way.

Speaker 4 (01:57:33):
Well, well, okay, the only other way there might be
is if I give it to someone. And I'm thinking
maybe I'll give it to Deputy Dollar to call and
just see if they'll do it. We've had it done
before in special circumstances. KITCHENA, let's see if Dollar can
can make a call on this. Let's just see if

(01:57:54):
we can do it. Hold on, Bertha, She'll give that
information to Deputy Dollar. Phil, what a your comment? Go ahead,
film Phil? Are you there? Yeah? What's your comment?

Speaker 2 (01:58:09):
Yes?

Speaker 20 (01:58:10):
You know Jerry Polis and Mike Johnson and Bat Kaufman.
I heard about a month ago or so where Jerry
Polis said that Demmer is not a sanctionary city and
Kaufin says that it's not a sanctionary city.

Speaker 6 (01:58:27):
Well, first of all, is Aurora.

Speaker 13 (01:58:29):
He's not dead, huh.

Speaker 4 (01:58:32):
Kaufman is mayor of Aurora. He would have nothing to say.

Speaker 20 (01:58:35):
About I understand that he said that it's not a
sanctionary city neither. But the reason why they have all
these gangs there and all these migrants are coming in
is because Jerry Polis, Mike Johnson.

Speaker 4 (01:58:53):
And co.

Speaker 13 (01:58:56):
Of Aurora. They're afraid. They're scared.

Speaker 4 (01:59:01):
Okay, Phil, I doubt that. I doubt her.

Speaker 8 (01:59:04):
I believe that's the truth.

Speaker 4 (01:59:07):
Okay, Thank you, Phil, No, I do appreciate you calling
in three oh three seven one three A two five five.
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.

(01:59:28):
Leave time for an insurance checkup 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 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

(01:59:48):
nine two zero sixteen twenty two. Hello Tom Arnt you
know here, let's talk to Frank. An issue with Mountain
High dis Have you ever heard of them at mount
Mountain High Disposal?

Speaker 6 (02:00:03):
No, but I just looked them up.

Speaker 4 (02:00:04):
Okay, anyway, because D's in the recycling business. Anyway, Frank,
what's going on? Oh?

Speaker 22 (02:00:11):
Can you hear me?

Speaker 2 (02:00:12):
Yes?

Speaker 4 (02:00:13):
I Ken, Frank, what's going on?

Speaker 2 (02:00:14):
Man?

Speaker 22 (02:00:16):
Mountain High dropped off trash and recycle cans. I came home.
I think it was Friday, a couple. It's been about
three weeks.

Speaker 4 (02:00:25):
I know your trash company helped me out here. Frank.
Are they your trash company?

Speaker 12 (02:00:31):
No?

Speaker 22 (02:00:31):
I already have a good relationship with another trash company. First.

Speaker 4 (02:00:35):
Oh so they just maybe they dropped them off by mistake.

Speaker 10 (02:00:40):
Oh, I thought so.

Speaker 22 (02:00:41):
I called him. Uh it was on a Friday. I
called him the next week and they said they would
make an appointment to come get the cans, but they
didn't say when. That Thursday the trash truck stopped and
they checked the cans, open them up and leave them
there and take off.

Speaker 4 (02:00:56):
You mean you mean Mountain High left him there?

Speaker 18 (02:00:59):
So?

Speaker 4 (02:01:00):
So what are they just out on the curb yep.

Speaker 22 (02:01:03):
I don't know.

Speaker 4 (02:01:04):
Maybe they bought that company you used to use.

Speaker 22 (02:01:08):
No, sir, that company is still picking up my trash.

Speaker 4 (02:01:11):
That's weird.

Speaker 2 (02:01:12):
Can.

Speaker 22 (02:01:14):
Yeah, and I don't know what it could I figured
it could be a mistake. I called him again the
next week. They wanted to know my name as well
as my location. I didn't want to tell them my name. Well,
why they don't know my name? But they provided service
for me?

Speaker 4 (02:01:28):
But they can't they Are you afraid they're gonna try
to slam you into service?

Speaker 22 (02:01:34):
I don't know, but I don't know if they even can.
But I've seen some really looked at their website. They
got bad reviews.

Speaker 4 (02:01:41):
This is called Mountain on High Disposal, right.

Speaker 22 (02:01:46):
And they're out of Evans. Their office, I guess, is
in Evans.

Speaker 5 (02:01:50):
Why don't you tell your other trash companies to throw
their cans in the trash?

Speaker 4 (02:01:55):
Yeah? Why do you? Why do you care? Are they
really attractive new big cans or are they? What do
they look like?

Speaker 22 (02:02:02):
Well, they're brand new. Their one's got a green top,
one's got a black top, one's the recycle and trash, right, Yeah,
but I'm looking at I never requested this. I don't
want them to. I don't know how they could. If
they if they assume me or something, I could provide
whatever evidence I have, but it's all hearsays. On my part,

(02:02:24):
I don't have any proof that I did not call them.

Speaker 4 (02:02:27):
Well, I don't think you'd need that.

Speaker 5 (02:02:29):
If it really came down to that, I'd charge him
for storage to offset whatever they want.

Speaker 4 (02:02:35):
Well, first of all, they can't charge you for dropping
something off and never using it.

Speaker 5 (02:02:39):
No, no, no, he's saying, charge him if he has
his other's trash company, throw him out.

Speaker 22 (02:02:46):
Yeah, I don't. I don't want any trouble. But you
know I have told him twice now that their cans
are here, I didn't request them.

Speaker 4 (02:02:52):
And the response, yeah, what did they say, keep them
or what?

Speaker 22 (02:02:58):
Well, first they wanted to know my name.

Speaker 4 (02:03:01):
I get that. I get that part. And for some
reason you didn't think you should give your name. I
get it. Yeah, so I would have given my name
and said here's where I live, Come get your cans
or I'm throwing them out.

Speaker 22 (02:03:13):
Well, their response was something like, we'll see what we
can do. And that's all I got.

Speaker 4 (02:03:18):
And you know what, I'd forget about it. I'd forget
about it. Do they have logos on them on those cans.

Speaker 22 (02:03:24):
I got their phone number from their logo on the side.

Speaker 4 (02:03:29):
I just I don't know what to tell you. I
wouldn't let it bother me. I get rid of them.
I would too.

Speaker 22 (02:03:35):
I don't know how I might have to pay for
somebody to just.

Speaker 4 (02:03:38):
Have your trash company. Now, throw them in the back.
They're plastic, they'll crush right up.

Speaker 22 (02:03:44):
Okay, maybe I'll call.

Speaker 4 (02:03:45):
And see you know, you have no obligation. You have
no obligation to take care of them. I'm I might
even consider late at night just wheeling them down the
street and then the.

Speaker 22 (02:03:57):
I don't want to make it someone else's problem.

Speaker 4 (02:03:59):
I did no, No, I don't mean in front of
someone's house. I just mean down the street. But anyway,
you gotta do what you gotta do. Man, I don't
know what to tell you. If if they don't give
a damn, then I wouldn't give a damn.

Speaker 17 (02:04:13):
Okay, send them a certified letter if you want to
protect yourself, telling him that they delivered the cans to
your address. You didn't ask them for me, you didn't
contract for the service, and then you're done.

Speaker 4 (02:04:23):
Yeah, and just say the hell with you, I might
do that.

Speaker 22 (02:04:26):
I think I think a neighbor is bothered by them
because somebody put them up on the sidewalk the other
night and the.

Speaker 4 (02:04:32):
Wait, wait a minute, are they delivering more than just
your house? No, he's saying the neighbor moved his because
they're an eyesore.

Speaker 22 (02:04:40):
Right, And they go down the street and come back.
So I don't know if there's any other customers.

Speaker 4 (02:04:45):
Okay, I got it. Listen, man, I would just not
worry too much about it at this point. I'm serious.
I don't know what else to tell you. I'm gonna
talk to Pamela on the way back, and then we're
going to talk to Rob about cam Solar. Cam Solar
they're pretty good company. At one time we did business
with them where they were on a referless years ago.

(02:05:05):
We'll see what's going on with that. I'm Tom Martinez
three O three seven one three talk three oh three
seven one three eight two five five. By the way,
if you are looking for financial advisors who put their
money where their mouth is and actually invest your money
along with their own, that's only one wave eight Weealthmanagement

(02:05:26):
dot Com three oh three seven seven to one help
and here's a disclaimer. I am the owner, so I
need to tell you that, and I am I stand
to profit from this company, but of course we hope
everyone will. That's a wave eight Wealthmanagement dot Com. Go
with a sure thing Denver's best roofer Excel Roofing dot Com.

(02:05:48):
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 of insurance companies
find out now three all three seven seven one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your

(02:06:09):
home with Remax Alliance three all three nine two zero
sixteen twenty two. I'm Tom Martino. I want to talk
to Justin who called in? He says he's Justin with
Patriot Construction. Okay, is this Justin Garcia? Hello?

Speaker 18 (02:06:28):
Hello?

Speaker 4 (02:06:29):
Is this Justin Garcia?

Speaker 23 (02:06:35):
My name is Justin. I'm gonna are you talking with
you guys? Briefly?

Speaker 4 (02:06:40):
Yeah, this is me. Are you the one that dealt
with Carol? The thing we've been talking about?

Speaker 23 (02:06:48):
You guys are slandering me right? Starting my personal information
out there so people can call.

Speaker 4 (02:06:54):
Is your name Justin Garcia? I don't know who you are.
I need to know who you are? Is it Justin Garcia?

Speaker 23 (02:07:00):
You know I am?

Speaker 6 (02:07:01):
Dude?

Speaker 23 (02:07:02):
You know who I am.

Speaker 4 (02:07:02):
You're a scumbag liar and a thief. That's who you are.
A scum bag, liar and a thief.

Speaker 23 (02:07:08):
Good.

Speaker 4 (02:07:09):
Yeah, guess what, Justin? I am calling you a scumbag
liar and a cheat. That's right. My name's Tom Martino
and I'm calling you out for being a scumbag and
a liar and a cheat. And that's my opinion, and
I'm free to have it. And I'll tell you why
you took sixty two thousand dollars and did nothing.

Speaker 13 (02:07:34):
Can I talk now?

Speaker 4 (02:07:35):
Yep?

Speaker 23 (02:07:38):
Number one. The proper introduction is it's nice to meet
you over the radio.

Speaker 4 (02:07:44):
I've never Beenah, shut up, man, it's not nice to
meet you, Justin because you're a scumbag.

Speaker 23 (02:07:49):
That's how you get your But I mean, do you
get like Erry Springer?

Speaker 4 (02:07:52):
Just where's the money, dude?

Speaker 2 (02:07:54):
That's it?

Speaker 4 (02:07:54):
Where's the money?

Speaker 6 (02:07:55):
Justin?

Speaker 17 (02:07:56):
Can you give the lady her sixty two thousand dollars back?

Speaker 2 (02:07:58):
Please?

Speaker 23 (02:08:01):
Wait a minute?

Speaker 4 (02:08:02):
Wow, Wait a minute hold on, hold on, No, he
does have a point. Wait a minute, he does have
a point, Justin, You're absolutely right. No, No, I'm serious,
you do have a point. I'm gonna let you talk, Mark,
Let's let him talk. Go ahead, Justin, you do have
a point. Go ahead.

Speaker 23 (02:08:17):
Simple, that's all I want to say. I have a
signed contract with set customer. The said customer is very
welcome to take me to the litigation so we can
go before judge or whatever have you, magistrates, and we
can tell our sides of the swords.

Speaker 6 (02:08:32):
What is your side of the story?

Speaker 4 (02:08:33):
Though, Hey, Justin, may I ask you a question? I'm
under the Contractor's Trust Act. All money for a job
is supposed to be put in trust for that job.

Speaker 23 (02:08:46):
I'll let my lawyer deal with any of those questions.

Speaker 4 (02:08:49):
May I May I talk? Okay? Good, I agree your
lawyer should May I talk to your attorney?

Speaker 23 (02:08:56):
Why would I allow a radio host to talk to
you my You.

Speaker 4 (02:08:58):
Know he doesn't have one because you don't have an
attorney or a lion thief. That's why if you had
an attorney, you would love for me to talk to
your attorney so your attorney could set me straight. Because
if your attorney gives me a legal reason to believe
that you should keep that sixty two thousand dollars. I
will sing your praises.

Speaker 13 (02:09:21):
Well.

Speaker 23 (02:09:21):
First of all, I'm an adult, so I get decide
what I do with my attorney, what.

Speaker 4 (02:09:27):
I don't do, and justin let me explain something to you.
You're not the last person who said why should I
talk to a talk show host. I'm going to tell
you why because you're I'm never going away for you, bro,
You're going and if I do Markle takeover, you will
be destroyed for this because you are a liar and
a thief. You are a liar and a thief.

Speaker 23 (02:09:47):
Oh dude, dude, is this what you do? You have
people badger me call my phone to get on your show.
I get on your show, and then as soon as
I get on your show, you're talking.

Speaker 6 (02:09:59):
Okay, you talk.

Speaker 4 (02:10:01):
I let you say, call the attorney. Then you don't
give any information on the attorney. I let you talk.
And you said, according to a contract, you're happy to
let her take you to court and let a judge
decide now. And then I said, are you familiar with
the Contractor's Trust Act? And you said, let my attorney
answer that, And I said, can I talk to your attorney?

(02:10:22):
And you said, why should I care to have a
talk show host talked to my attorney? So Justin, don't
say that you're not getting to talk. You're just talking
diarrhea out of your mouth.

Speaker 23 (02:10:35):
No exactly, I said, why why wouldn't my attorney address
you if we have to go to court? Of course
my attorney will address it at that.

Speaker 4 (02:10:42):
You know, this woman doesn't have money to take this money.
This woman doesn't have money to take you to court.
So you know what I want you to do. I
want you to take me to court, Justin, so I
can tear you up and spit you out. Guess what, Justin,
I have the money to fight you. So come after me,

(02:11:02):
you dirty, rotten piece of crap. Come after me because
I will show through discovery what a thief.

Speaker 23 (02:11:11):
I'm after you. Why would I come after you.

Speaker 4 (02:11:14):
Well, you're going to because I'm calling you a liar
and a thief, and I plan to prove it. How
about that?

Speaker 23 (02:11:23):
Okay, you can prove it once I produce the contract.
Everything for you is to put bro You're just trying.

Speaker 18 (02:11:28):
To get ratings.

Speaker 4 (02:11:30):
Oh, I don't have to worry about ratings. I'm seventy
one years old. I've been on the air nearly fifty years.
Do you really think I care about you and ratings?
Come on, sir, Justin, Listen, listen, Justin. You know what, Justin,
you're in the little leagues. You're in the little leagues,
and you're dealing with the big leagues right now. Give
me your attorney's name and I'll chew him up and

(02:11:51):
spit him out. Give me your attorney's name. You don't
have an attorney, a liar, you don't have one. Here,
let me explain something. Everything that I'm telling you, everything
that I'm telling.

Speaker 23 (02:12:03):
You, it's all psychological what you're doing.

Speaker 4 (02:12:07):
So, really, you're such a you know what. Hold on?
He is such a genius, he said, everything I'm doing
is psychology. No, you're such a wise man. You took
sixty two grand from a senior citizen and you've done nothing.

Speaker 23 (02:12:25):
Have you talked to Miss Holcom? Have you talked to miss.

Speaker 4 (02:12:28):
Numerous numerous times? Numerous times? So they want to talk
to her right now. We'll get her on the air
with you.

Speaker 8 (02:12:39):
Please, please listen, Let's get her on killing No, hold on, hold.

Speaker 4 (02:12:42):
On, god, Wait, wait, wait, wait, no, go ahead, go ahead, Justin.
I'll listen.

Speaker 23 (02:12:46):
Go ahead, dude, dude, dude, this is the last thing
I want to say.

Speaker 10 (02:12:50):
Okay, I am more.

Speaker 23 (02:12:52):
Than willing to go to any litigation with my contract
signed by miss Holcombe that proved she had some due
diligence she needed to perform prior to the bills. It's
very very clear in the contract.

Speaker 5 (02:13:06):
So so you're saying you've done absolutely nothing, which we know,
and you think it's valid to keep sixty two thousand dollars.

Speaker 4 (02:13:16):
Maybe you are owed a few bucks.

Speaker 5 (02:13:18):
If you actually did anything, But how do you justify
keeping sixty two thousand dollars?

Speaker 4 (02:13:25):
Here's the thing. Justin the Contractor's Trust.

Speaker 23 (02:13:27):
Act, it's simple. It Can I say something?

Speaker 10 (02:13:29):
Can I say something?

Speaker 23 (02:13:30):
It's simple when you ask someone that, it's simple. A
business is a business, correct. So if you were to
buy a home and you made really horrible decisions, it
does not mean it don't owe on the home.

Speaker 4 (02:13:40):
So you admit doing business with you was a horrible decision. Mark, Wait, justin,
you brought up a good point. Yeah, someone Justin said
if someone justin, if someone bought a home and they
made a bad decision, you're absolutely right, they would be
stuck with the home. You're absolutely right. She didn't buy
anything from you, tracted with you, and under the law,

(02:14:02):
the money she put down was supposed to be put
in trust before we even go into assessing her for
what you believe she owes. You can't prove that that
money is held in trust.

Speaker 23 (02:14:17):
Again, I know you're fishing for some answers here. You're
not going to get legal answers from me during this conversation.

Speaker 4 (02:14:25):
We're not getting any answers from you, let alone legal answers.
By the way, are you yet twenty one? Because you
sound like a you sound like a fool. You're just
on the air sounding like a little fool. You're messing.
You're messing with someone who knows how to outdo you.

Speaker 10 (02:14:43):
I've been the war twice.

Speaker 23 (02:14:44):
I served my country honorably.

Speaker 4 (02:14:46):
Well, I'm not talking about I'm not talking about your
service record. Your service record has nothing to do with this.

Speaker 23 (02:14:52):
I've never been I've never been arrested. So please listen, respectful,
people that you know nothing about man justin.

Speaker 4 (02:15:02):
I do know one thing about you. You took sixty
two thousand.

Speaker 23 (02:15:05):
Dollars for my story about me. You know a story
about me. You don't have no story it's true or not.
You just know a story about me.

Speaker 4 (02:15:14):
You've acknowledged the story. That story is true. You took
sixty two thousand.

Speaker 23 (02:15:20):
Dollars just speaking on facts. Do you have a number one?

Speaker 10 (02:15:25):
Number one?

Speaker 23 (02:15:25):
Let's be adult sho you run a radio show? Did
you verify if she did or did not have a
contract with me?

Speaker 6 (02:15:32):
Yes, we have a copy of it, and we have
a copy of the cashier's chair.

Speaker 4 (02:15:35):
Yes, sir, Yes we did, Yes, we did. If you
have a contract, we gotta take, we gotta Justin. I'm sorry,
but as you said, I am a talk show host.
I do have to take a break. You're welcome to
stay on. But let me just explain something to you.
And I promise you this, I mean this. Why don't
you prepare a written statement so every single word of
what you want to say will be included whenever I

(02:15:55):
talk about you. I promise you that, Justin, and you
can email it to us and uh kitchina give him
our email address. I got more coming right up? Go
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