The Troubleshooter 6-26-24

Episode Transcript

(00:00):
Yeah, ripped up news need advice, so you don't have come running.
Just as stas as we can.Shooter's gonna help coming. Man, this

(00:20):
is the Troubleshooter Show. Now tellMartine, oh Man, Mark are you
there? We're here, okay,folks, I'm here. Man all right.
Mark was on there just in case. Uh I was sold at the
last minute. We're having technical difficultiesand uh so, people, you gotta
bear with us. Have some majorwork going on with comcasts. Our broadband

(00:42):
is down. We're not going tobe able to do YouTube. Mark.
This is terrible. I don't knowwhat else we can do about it unless
I can get it on my computerhere and send it out. But uh
so, we have a lot oftechnical difficulties. I think the phones are
working as usual, I'm being told, soh that's good. So what you

(01:02):
can do is give us a callat three oh three seven one three talk
three O three seven one three eighttwo five five, and we'll take your
phone calls as usual and answer questionsand take complaints and make your life a
little easier. We also have texting. You can text. I'm going to
see if I can bring up myGoogle Voice number. You can text that

(01:23):
you can also text. So atseven four seven nine nine nine fifty two
eighty you can also text our regulariHeart line for texting and that is uh
five seven seven three nine. Andwell, what's going on with you?
Mark? Where are you now outand about in this country? We're in

(01:45):
a Kennewick, Washington's beautiful country here. You warmer than it was in Wyoming.
You moved from Wyoming Montana, Montana. Whoops, you moved from there?
So so, uh, how longdid it take you to get there?
This was a good one, man. This was six hours. This
is the longest driving segment of thetrip. Then we had tomorrow, Thank

(02:07):
goodness. Man, we head upto the Oregon coast where it's sixty seventy
degrees. It's going to be gorgeous, all right, So hey, real
quick, congrats to George Brockler.He won the election last night. Well
he'll be moving on and hopefully he'sgoing to be a prosecutor that of the

(02:29):
twenty third district. I'm really hoping. I like George. He's one of
the few guys out there that's actuallyput some white criminal collar criminals away and
just does good for the community.Wow. Cool, so he won the
primary, so he still has torun up. Last night he won,
and so did Bobart. I knowa lot of people bober don't like her
because she toasted around the guns andstuff. These are just the primaries,

(02:51):
right, so they have to that'scorrect, still have to win the election.
And did you see polus I believeactually I heard Brown talking about it
actually endorse somebody other than the incumbent, which is kind of crazy. Wow,
three oh three seven to one threetalk is our number, folks,
three oh three seven to one threeeight two five five. So one of

(03:15):
the things that we're gonna talk abouttoo, especially with this weather the way
it is, is we're getting alot of ripoffs right now with landscaping.
You know, people want landscaping.And here's the problem in the landscape business
in general. Okay, here's theproblem in general in general that everyone wants

(03:39):
everything at the beginning of the season. No one wants to wait to have
a lawn done toward the end ofthe season. Yet the season goes on
anywhere from really May to let's sayOctober November. But no one wants stuff
in October November. I mean theyhave to wait. Sometimes they don't have

(04:01):
a choice, but they rather getit done so they can enjoy it during
the good weather. So they wanttheir sold or they want their bushes,
they're landscaping, whatever they want itdone early in the season. Well,
everyone wants it done early in theseason. And the problem that you have
when that goes on is that youcan't do that. I mean, it's

(04:21):
impossible to have everything done in thebeginning. So what people do then is
they start looking for people that canget out to their houses. And then
they start thinking about, oh,I can get this person out of the
house, and they put more emphasison getting someone to the house than they

(04:42):
do getting someone good. And whathappens is you're screwed. You're done,
because when you get someone who's available, well that in itselfs that it tells
you something. And I'm not sayingthey're automatically bad, but it is certainly
not necessarily good. Not only canthey get out there, but now they

(05:04):
want you to have money upfront.So people have been falling prey right now
to landscaping scams, a lot ofthem. I'm getting a lot of information
about this that people are saying,well, you know, we can get
out there, but we want thismoney down and people are willing to do

(05:25):
it because they are so desperate.So if you're in, if you want
to pick a landscaper, I musttell you this, do not, absolutely
do not hire a landscaper based onlyon availability. Make sure they're well established,
they've been around, and that youknow who they are, they can

(05:46):
identify themselves, their license there ensured. All of the normal stuff now we
have on our referral list, likelam Landscape is one example, we have
people. I urge you to waitfor someone legit. Again, it's difficult
to do to get out there todo everyone. If it makes it real

(06:08):
simple, don't give money up front. I mean, how many times do
we got to pound that through someone'shead right exactly? Now. What's really
interesting is we have had a lotof discussion about the economy, and you
know, whether it's good or bador and different or whatever it is.
And one of the things that peopleuse as a measurement of an economy is

(06:32):
if people are saving or not.Are they saving money? Are they able
to squirrel away money? And alot has to do with not just the
economy around the country, but ineach individual state. And there was a
survey done on where you can savemoney the best. In other words,

(06:56):
what states do you have a debtto income ration where you may have money
left over to save? And arethere are there states that are difficult to
save in? Well, we havethis extremely difficult rating of one hundred,
meaning the high rating means very verydifficult. Okay, So in other words,

(07:24):
the worst place to save money wouldbe where do you think I know
you're going to guess it right offthe bat, A city, city or
state, a state You're going tosay it right off California or New York.
California? Absolutely positively California. Andsee, but I was going to
ask you about that if we're talkingabout New York, are we talking Albany

(07:45):
or are we talking Manhattan? Okay, they average the state, So that's
why calib they they look so Colorado'sgot to be in the top ten.
Hold on, you are so right, you are Now the worst place to
save money is California. People hardlyhave anything left in second place with the

(08:09):
debt to income ratio than second highest. Where we just say, I think
this is pretty logical. To Hawaii, that's logical. No matter what we
can understand, this one surprises me. Nevada the third hardest place to save
money. Nevada. All those casinos, Brother, they're gambling it away.
Man. Oh no, I knowwhat it is too. Vegas in Vegas.

(08:33):
There's a lot of money in Vegas. So okay, So I think
what they're doing is they're looking atthe cost of living maybe And Oregon,
Mark Oregon is the fourth hardest placeto save money. The fifth hardest place
to save money Maryland, and thenFlorida and then New York. Do you

(08:54):
know it's easier to save money inNew York. And when we say save
money, we mean put money awayafter expenses. It's easier in New York
than in Florida. And then SouthCarolina. Colorado comes right after South Carolina,
but it's in the top ten worse. And then Louisiana rounds out the
top ten. You know what's funnythe top five. I think you said

(09:16):
Florida was the sick that the topfive are all Democratic states, But then
you throw Florida in there. Thatkind of wrinkles my thought process. Well,
let's see. But of the topten we have, I'll tell you
how many Democrats. California's Democrat,Hawaii's Democrat, Nevada is what I don't
know, Oregon's Democrat, Maryland's Democrat, Florida's republican, New York, New

(09:39):
York is Democrat. South Carolina isRepublican, Colorado's Democrat, Louisiana's Republicans.
So you have mostly democratic states.Let's talk about the easiest places. The
easiest places. Where is it Wyomingnumber one? No, let's see,

(10:01):
is it Market's in the top ten, though you got that one, Okay.
The easiest place to save money NorthDakota. They have a ton of
money left over South Dakota after that. So I don't know anybody actually who
lives in North and South Dakota.Maybe that's why it's easy to save money.
Nobody's there. Uh, let's see, Kansas is next. See all

(10:22):
of those that little cluster right there. Missouri easy to save money, Iowa,
Missouri, Iowa, Wisconsin, thenNebraska, West Virginia, Wyoming,
and Ohio. So that's the wayit stacks up as far as saving money.

(10:46):
But you know, I talk toyoung people in Colorado. I don't
know any who can save money.It's very, very difficult unless you know
the popular thing in Colorado and inmost States Now, roommates people are rooming.
I mean it doesn't just mean shackingup, but I mean roommates in
general. They're living together to savemoney. Three oh three seven one three

(11:11):
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(11:39):
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(12:00):
Frank durand the real estate Man dotcom to list your home with Remax Alliance
three oh three nine two zero sixteentwenty two. Hi Tom Artina, here,
do you realize that in some partsof Denver Metro property property taxes have

(12:20):
gone up over one hundred percent,property taxes, and we got such a
snowjob when it came to the TABORand when it came to property taxes,
and and I think it was regg I mean, I I guess is

(12:43):
policy. He's in his he's termlimited, right, I mean, you
get two as a governor. That'sit. So there's no way. I
mean, could this guy ever getre elected with all the deceit and trying
to make it sound like he inventedTABOR for us the refund and don't remember
that? What a clown? Dopeople? I mean, do people keep

(13:05):
track of their government? Do they? Hey, did Denver vote on that
sales tax increase? Yet? Didthat happen? No? No, not
yet? Not yet? That's it? When does that go down next Tuesday?
Or when just election? Oh?I thought it was something else.
I thought it was coming up.I get it. And is it just

(13:26):
for Denver? Yeah? But Imean my whole point is these morons do
it to themselves. There was plentyof people out there, Michael Brown being
one, Ross being another, sayinghey, if you vote on this for
property taxes, they're going to goup like freaking crazy. But people are
morons. No, I know,I know they did. Kelly, what's

(13:48):
going on with you? Hello?Kelly, what's happening? Hello? Tom?
Hey, what's going on? AndI agree with you is a moron.
But anyway, well, I mean, I don't think he's doing a
great job. I think think hekind of misleads us a bit. I
mean, he doesn't seem like abad person, but he just doesn't seem
like he's with it. He doesn't. I can't trust him. He doesn't

(14:09):
care, basically, That's what Ithink. But could be. So I'm
calling about. Not to get toographic, but I have to have a
diagnostic colon ask could be every twoyears. Every two years, so you
have colon cancer in the family,I always have pre cancer's call up.

(14:30):
Yeah, so that's what I've hadto do, and so I am.
You know, I've had private insurancesince I was seventeen, so I always
call and check probably five times beforeI have a procedure to make sure it's
covered well. And normally normally theyare covered aright, preventatives are, but

(14:50):
when it's diagnostic, it's you know, there if you don't have the coding
correctly. I'm learning, so howoften. How often can you get inventive
colonoscopies? I couldn't tell you that. I mean, you probably could go
yearly if you wanted to, aslong as they don't remove anything. Maybe

(15:11):
that's a preventative, but it's youknow, the extra time maybe goes into
a surgical. Well that's kind ofcrazy because it takes the same amount of
time if they snap apolla for cares. You need it every two years?
Did you say every two years?I'm spoke to get them. Okay,
So well, I'm dead serious.It doesn't. It does. It's not

(15:31):
like another guy comes in. It'sall the same thing. I agree.
Yeah, I'm a sleep though,you know. So, so how is
this affecting you? So you needa diagnostic colonoscopies every two years? Correct?
So what happened was the last timeI had one and I had different

(15:52):
insurance and I called four to fivetimes, which I typically do. Are
you sure it's covered? Yes?Yes? Are you? And how long
ago was that? That was threeyears ago? I'm due you know this
year? So anyway, Centaura,So my insurance only wound up. It
was a twelve thousand dollars bill.My insurance only covered five so I was

(16:15):
left with seven thousand. Wait,so how much? How much was it?
Callin Oscobee twelve thousand? Holy crap, I'm mean, no pun intended,
but okay, go ahead, Sotwelve and you're stuck with seven grand
thousand. So and I'm you know, I'm an advocate for myself, So

(16:37):
I wrote letters to Centaur saying thisis the hardship. Can you work with
me? You know? And I'ma smart ass also, so I said,
I'm sure you're sitting around the table, you know, because you're all
corporate and have corporate insurance and youdon't understand what it's like to pay out
a pocket. But they had nofeeling. So I got stuck with seven
thousands. Did you just find outabout this? It was three years ago?

(17:00):
No? No, no, I'vebeen paying and then I you know,
I worked at a payment program withthem, and so they wouldn't come
down at all because they, Iassure you, they don't charge insurance company
twelve grand. Oh I know,I know, But like I said,
my insurance company who told me itwas covered, only paid five. So

(17:23):
I'm left with a seven thousand dollarsbill when you said they said it was
covered did you get a pre authorization? No, I gave them a CPP
code. Did and they said it'scovered. Did they say it's covered one
hundred percent or it's covered under yourplan? It's covered under my plan?

(17:45):
And I well, covered under yourplan doesn't mean covered one. What it
means is it's covered, doesn't it'syou understand what I'm saying. It's covered
meaning they did cover it. Theycovered five thousand of it. It doesn't
mean it's covered for anything. ButI don't. But but they should have
explained that to you, like wecover up too. But I'm specific on

(18:10):
the type of colonoscopy I have toget. You know, if this was
diagnostic or excuse me, if thiswas just a regular screening colonoscopy, would
it have been covered on? Yes? I believe so. I mean I
don't have that insurance company anymore,but yes, I believe. So.

(18:30):
Wait, so when did you Whendid you drop that insurance? Yeah?
When don't have them because I haveto play the game. When did you
drop them because of kreams? Uh? After that? That was what?
Twenty two? I had that done, So twenty three and twenty four I've
had a different insurance company and thenI'm you know, start medicare. What

(18:55):
can we do to help you?What do you need? Well, I'm
just wondering if there's any possibility.I mean, I've been paying them and
I still have a thirty seven hundreddollars balance. If you have any negotiating
power, let's I want to callIntegra Insurance. I want to see what
they recommend we do. By theway, we have been successful in the

(19:17):
past of reasoning with insurance companies sayingthis, Hey, you know, damn
well, you're not charging that muchto insurance companies. At least give her
the insurance rate. I mean,I don't know. Are they making any
aggressive moves to get the money?Cur Yeah? No, I'm on a
payment, a monthly payment. You'restill doing it? How much a month?

(19:40):
There's one hundred and eighteen dollars becauseI'm like I said, I'm an
advocate for myself, and at firstthey wanted four or five hundred, and
I said, not a chance.So I pay one hundred and eighteen dollars
a month. My balance is aroundthirty seven hundred left. Wow. Yeah,
Wow, You've been making a lotof payments. You made making more
payments than most people would well exactly, I know that. That's that's who

(20:04):
I am. So and my pointbeing is when I wrote them letters,
I was just asking to negotiate alesser amount. But they wouldn't even do
that. I wasn't asking for completeforgetting. You know what. That's odd
that they would not do that.No, they sure didn't. We need

(20:26):
Okay, first of all, ifwe do call Centura about this, we
need some kind of hip, athing agreed to, because it's so whenever
we deal with anything medical like this, it's such a pain in the ass.
But I want to call Integra ingeneral to find out. Now,
your insurance you said, was whatat the time, Well, I had

(20:48):
meta share oh the time, Medicareshare share. Oh hold on, oh
god, yes, was that oneof those Christian plans? Yep, yeah,
listen, there's your answer. Well, and by the way, this
is nothing against Christianity, trust mewhen I tell you that. Qu But
when it comes to those meta shareprograms, I swear to god, I

(21:11):
went on it one time, reallyquickly got off it. I there was
never anything never. It's like beinguninsured. I mean, are they still
around these programs? Oh yeah,you're on the radio all the time,
I think, what are you supposedto do it? Like, like,
don't you send in your premium?Do they? Some of them went so

(21:32):
far as to tell you where tosend your premium. Didn't you actually send
it to people who had claims?Or there were some crazy ones that were
jacked up. You had to likesay three hail Mary's and then send a
check to somebody who just got somethingdone. I mean it was weird and
then and then, but there weredifferent kinds. Then some you sent your
money to a central clearinghouse and theydoled it out. But I just never

(21:55):
trusted them ever. They're just terrible. Are good things And like I said,
I'm a private contractor so and Idon't I'm not a six with person.
So it's like me certain things andI make sure even before I bought
them, I'm like, hey,here's the deal. This is the biggest
thing that I need covered. Let'sget some answer. Let's get some answers

(22:18):
for you. Hold on, justdon't hang on, hey, Kelly,
Let's try to get some of ourfriends at Integra. I'm Tom Martine three
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(22:48):
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(23:11):
estate Man dot com to list yourhome with Remax Alliance three all three nine
two zero sixteen twenty two. I'mTom Martino, your troubleshooter three O three
seven one three talks seven one threeeight two five five. You know we
get this a lot. I'm askingJohn Jones Junior with Integra Insurance, their

(23:33):
health insurance brokers. They do agreat job, truly. The ones I
would go with you don't pay anymoney. Going with them this he's on
as an expert right now, andI just thought i'd throw that in about
them because they just do a goodjob. Integra Insurance dot com and John,
I want to ask you a question. We hear this all the time.

(23:55):
Okay, somebody gets they call forauthorization or they ask us something covered,
and the company says, yeah,it is covered. And here here's
what covered means. It can meana number of things. Number one,
it's covered, it goes towards yourdeductible. Number two, it's meaning it's
recognized. Number two, it's coveredand they pay it all. Or number

(24:17):
three, it's covered and they paythe approved amount. Wouldn't you agree that
covered doesn't necessarily mean paid. Yes, sir, How it's covered is the
question? Right? You're exactly right. How it's covered? Is that kisses
me off? Because it can?So. Kelly calls and says, is
my colonoscopeek covered? And she hadwho was the insurance company? Kelly,

(24:48):
Kelly? Are you there? Yes, I'm here? Who was the insurance
company? Meta Share? Meta Share? Okay, so meda Share the health
share program, it's not an insurssurance company. Well we well know that
now that's one of these share programs, right, yes sir, yes sir.
But when they say it's covered,what do they mean. Well,

(25:08):
with meda Share, they put itin a preventive care. Preventive care is
not preventive care is not paid forprior to your annual household portion. So
your annual household portion, that's likeyou're it's like a maxed out of pocket.
Basically, once you've satisfied the annualhousehold portion, then all of your

(25:29):
bills become eligible for sharing. That'show the health share program works. Nothing
is technically quote unquote covered. Youhave to use different terminology with the health
share program. So so you're responsiblefor all your medical bills. You're still
getting the discounted rate through the networkfor your medical bills, your medical care,
but you're responsible for all of itup to your annual household portion with

(25:52):
with Meta share. Then once yousatisfy that annual household portion, then your
bills become eligible for sharing. Andwhen they're eligible for sharing, does that
mean one paid or partially? Thatmeans it should be. I mean so
you again, it's a healthcare program, so there's no guarantees. But Medicare,
for example, who's been around sincenineteen ninety three does say that all
of their eligible all one hundred percentof eligible medical expenses have been paid among

(26:15):
their members. Okay, but whatyour program, it's always in the small
print, there's no guarantee. Kelly, what's your deductive by about health insurance?
Well, I mean that was solong ago i'd have I don't even
know if I've record of it.And the issue really isn't meta share right
now? It's my balance with Centurihold on. I wanted to ask John

(26:36):
about that. John, Healthcare Providers. So this colonoscopy is billed at twelve
grand, her insurance paid five grand, she's stuck with seven grand. I
wanted to ask you something. Usuallythe amount they charge insurance companies and will
accept as payment in full. Isn'tthat usually? Uh? Aren't they satisfied

(27:02):
with that? Why do they haveto charge her full retail? Yeah?
The games are fun, right,Yeah? When it comes to providers and
health insurance companies, what's build andwhat's actually negotiated and approved and paid?
And I mean you look at aline item of your billing and it can
be it can certainly cause headaches.Now that forsop, it depends. I

(27:25):
mean I don't know as far asdetail, ma'am about the We don't need
to go into too many details ofthe khilosophy, but it was it was
diagnostic and polyps and all of that. Yeah, exactly that if they found
pull ups, it became surgical.Then yet certainly could become a lot more
expensive. And then you if yourannual household portion was seven thousand or more,

(27:45):
then you certainly could be responsible foryou you know what your deductie she
doesn't remember what it was, butbut it's still that still seems exorbable.
I mean, I all have clientseven with health insurance, and kolenoscopies are
the tricky one or one of thetricky ones. You'll go in and thinking
this is a free preventive care.If you have health insurance and they find
the pull up, well, they'renot going to leave it in there,

(28:07):
so it changes from preventive care tosurgical. And then you get a bill
for twenty five hundred dollars because ofthat, when you were expecting it to
be free or no cost to youunder your health insurance plans. So colenoskopies
can be tricky now and I'm veryaware of this because I've done this for
a while, so when I wheneverI call or ask, I am diagnostic.

(28:30):
I'm not a preventative. And alsothe thing that the Centaurro would not
allow me to do. Once Ifound out that Meta Share was only going
to pay five thousand dollars, Iasked them about a cash price because I
know all about that, so yourcash price is less, ma'am. Well,
they wouldn't let me do it becauseit was already submitted to medicine.

(28:55):
Well, yeah, that's a lotof ball. Here's what I think,
though, I want to make anobservation. They recently removed medical bills as
part of credit reports. Isn't thatright, John? I think that you
you can't very recently, I believe. Yeah. So what I'm saying is
if you don't pay that, it'sunlikely it's going to affect your credit.

(29:21):
Well, but that's not who Iam. I understand that Kelly with Meta
Share, also with you know,they have extra blessings right where you can
put those additional costs out there forthe community, right, the community of
individuals and families who share to potentiallyhelp pay down the cost or pay all

(29:41):
of that. But she hasn't shehasn't had it. No, I don't
have that three years ago. Okay, So Kelly, you said you had
a problem with Centuri, So whatis it. It's just trying to negotiate
a lesser amount. I was stuck. In fact, I found the full

(30:03):
bill. My remaining was seven thousand. You know what I would say,
I think I paid enough. Youwouldn't have gotten paid this much from other
insurance plans. Call it good.This is where I would say to him,
and if you need discs my call. I mean they're going to go
sorry, ma'am, well we're goingto put you in collection. Yeah,
but they're not okay. And whenthey put you in collections, I doubt

(30:26):
they will do anything to you,is what I'm saying. Medical bills.
Medical bills have lost favor when itcomes to collection. Yeah. Well yeah,
I just I don't know. Thatmakes me nervous. I need your
support. Maybe you should call them. Let's do a conference call. Okay,

(30:48):
when we call, we do haveto do a conference call because it
is a hip a thing. Yeah, Deputy Bojes walked in. Maybe he
can do that during the show.Hold on, let's let's try it.
I want to ask John while you'reon John, John about balance billing and
all of that and collections. Igot to take this break dot I oh,
shoot, shoot, shoot, canyou hang on, John? I

(31:11):
need to ask you that question.Hold on, Go with a sure thing
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(31:36):
out now three O three seven sevento one help. You'll think you're his
only customer when you choose Frank durandthe real estate man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.
I'm Tom Martine. I don't havea lot of time, and I want
to talk to John Jones with IntegerInsurance. And John, what I want

(31:56):
to ask is this, when whenconsumers go and they're facing something like this,
do health providers have a cash priceor a discounted price for people like
this? Well, sure, butnot really. People like the issue is
that it's already like they told her, it's already been run. It's already

(32:17):
been processed, it's already been putthrough the system with meta Share, and
so typically, yeah, if yourun your health insurance, even if you
put something through your health insurance,it's almost impossible at that point to go
back and try to negotiate a cashprice that needs to happen upfront. Okay,
but what I'm saying is this,Let's just say meta Share paid five

(32:38):
grand, Okay, a colonoscopy.Let's say another insurance company would have paid
eight grand, just whatever, Let'ssay eight out of the twelve. You
know they're not going to pay thetwelve. They would have paid the eight
or something. They would have hadan approved amount. So theoretically, if
she makes a case to them thathey, meda Share paid five, I

(33:00):
paid another three in net dollars,you're getting about the same as you would
under any normal insurance claim. Idon't see why they would pursue her.
But do they pursue medical collections withvigor? Still? I mean, you
can, I think rufoul good thingyou can try, But I don't think
providers care. I mean, theyhave their own negotiated rate with every health

(33:22):
insurance company are all different. We'reout of time that's Integrainsurance dot com.
Go with a sure thing Denver's BestRufer Excel roofing dot com. You don't
pay a cent until you're content.Time for an insurance checkup free, no
obligation. In comparison, call CompassInsurance paying too much your coverage at dozens

(33:45):
of insurance companies find out now threeall three seven to seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
Man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two. Yeah,ripped up. You need advice when you

(34:08):
don't have come a run anxious asfast as we can. Shooter's gonna help
coming. Man Dix is the TroubleshooterShow. No Tom Martino, Hi Tom
Martino here three oh three seven onethree talk seven one three eight two five

(34:30):
five. You can call us rightnow. You can also call three oh
three Martino three oh three six twoseven eight four sixty six. You leave
a message and we will definitely getback to you if you ever have a
problem, question or complaint you needhelp with. You don't have to wait
anywhere, and I have, bythe way, UH a text message here

(34:52):
about UH personal injury. We talkabout that from time to time, and
I like to check in with myexpert, John Fuller, who's a personal
injury attorney. And I guess Idon't often explain it, but I mentioned
and I say, you know,call right away. There's no downside to
calling. Give them a call andsee what your rights are and all of

(35:15):
that. Somebody wanted to know.Is there any harm in waiting, like
just to see what they offer orwhat is the reason for calling, let's
say, right after an accident.John, Hey, Tom, good morning.
So here's the deal, Tom.You can have great insurance, but
if you don't use the great insurancethe right order and you know, with

(35:38):
the appropriate vendors and stuff, youlose all the benefit of having that great
insurance. As an example, wehad a recent case where a young lady
had an UR bill of one hundredand three thousand dollars that by the time
they got reprocessed and repriced through thehealth insurance appropriately, it was knocked down

(35:59):
to only twenty three thousand dollars almostyou know, eighty percent of it all.
Wow. Well, if we didn'tget involved early enough, you would
have seen every single bit of hermedical payments, coverage, and likely a
good chunk of the available settlement dollarsgo to pay in the full amount of
that hospital bill. So it definitelymatters when we get in touch or when

(36:21):
we get involved in the case early, because our main goal is to do
well at the end of the case. By doing well at the beginning of
the case and getting everything set upperfectly so that you get the benefits that
you deserve and that you paid for. I actually never looked at it that
way. So you can actually helpthem net more money by getting these bills

(36:45):
negotiated. Yeah, I've always saidthat I felt like we could put at
least thirty percent more money in yourpocket if we got involved right away as
opposed to waiting, And that thirtypercent assumes the exact same settlement dollars.
It's just the better application of thebenefits in the right order and the way
that they were supposed to be used. So it definitely matters. If your

(37:07):
goal is to get the best outcomefrom your personal injury case, you're going
to be better off by've given mea call right away and get us involved
early on. Okay, And that'sJohn Fuller, my accident lawyer dot CO.
I have another quick question for athree zero three five five hundred five

(37:28):
nine seven four five zero zero John. In the world of personal injury,
what would you say the percentage ofcases that actually go to trial? It's
very low. It's very low,and down in probably the single digits.
That's not to say that cases don'twind up in litigation, but the reality
is our court systems can't you takeevery single case to trial. Yeah,

(37:52):
so the ones that have you know, legitimate disputes about liability or damages or
any of a million other things maywell go into mitigation, but more than
likely those cases are going to getworked out before the actual trial day comes
to pass. Thank you very much, John, appreciate it, my accident
lawyer dot CO. Three h threefive ninety seven forty five hundred. You

(38:14):
know, here's the thing. Almostthe way the system is set up right
now in general lawsuits in general.Now, personal injury is a little different
because that's done on what they calla contingency fee, and a lot of
people mistakingly believe that a lot ofcases are taken on contingency And I would

(38:37):
say the vast majority of cases arenot taken on contingency. In fact,
the people always say can you recommendan attorney? Or the famous expression is
I can't find an attorney. Whensomeone says I can't find an attorney,

(38:57):
what they really are saying is Ican't find an attorney free, or an
attorney that will pay, that willwork for me for a portion of what
they collect. And there's a reasonfor that. In most cases, damages
never ever outweigh the cost in mostcases. That's why most civil litigation isn't

(39:21):
worth pursuing. I've always thought thereshould be And now I know you say,
we have small claims court. Yeah, an it that that's something,
but there still has to be somethingabove that. There's got to be a
way that people can arbitrate their differencesand go after someone without spending one hundred

(39:44):
grand I mean, or a lawsuitminimum twenty grand just to get to the
courthouse, or without having a twoor three day trial. You would think
that by now we would have comeup with a way, maybe a system
of arbitration or something where people canbe heard and people don't have to spend

(40:07):
a lot doing it. Because mostproblems do not lend itself to a lawsuit.
Even a fifty thousand dollars problem couldbe too small to go after with
court. It's gotten so cost prohibitive. It's really gotten to a point where
it's ridiculous. Now. I wishthat technology could help there, maybe some

(40:31):
call in platform similar to a zoomor maybe some other kind of platform where
litigance can be verified, people canbe sworn in. And I know they
do have some of those, butI'm talking about real cases where you can
go in, keep the cost downand not gamble your entire life savings over

(40:55):
a lawsuit. But right now,lawsuit are impractical. They are, and
in fact there are some cases,like for example, with medical malpractice not
only impractical, but almost never pays. You have to have such a catastrophic
inner injury to pay for malpractice.It's ridiculous, and very seldom do people's

(41:20):
injuries add up to that. Bythe way, I often have to remind
myself, So, gen Z,do you know how gen Z people are?
You know, you don't know?Do you drag gen Z? You
know, at the earliest age ofa gen Z is eleven? What eleven?
Huh? Twenty six? Is twentysix or twenty seven is the oldest.

(41:44):
That's a gen z, right,yeah, so a gen zer they
right now listen to this. Astat says that a majority, okay,
one in seven have credit cards,not one credit card, but credit cards
that are maxed out. One inseven gen Zers. That's only getting to

(42:10):
take twenty six years old. Canyou imagine having one or more credit cards
already maxed out and they're only committedto paying minimum payments. That means these
people are going to be in debt. Well it's like thirty years. I
mean, if you see how longit's amortized, it's ridiculous. So one

(42:32):
is seven. That equates to aboutfifteen percent. They're maxed out on credit
cards and are making minimum payments.This has increased the course over the years.
Now, baby boomers, how manyof those do you think are maxed

(42:53):
out? Just think about this,this is crazy. Only four point nine
percent of the old farts, thebaby boomers four point eight percent. That
means that they don't use credit asunwisely as the zeers. And then the
ones in between we often call themmillennials and stuff. Are they just as

(43:19):
irresponsible? About ten percent of them? That's not bad. Ten percent of
them overmaxed maxed out. We havemore coming up on the Troubleshooter Show.
Three all three seven one three talkseven one three eight two five five.
Genesistotalexteriors dot com they also now domold detection and mitigation the honest ways.

(43:42):
You don't have to panic, andthey'll tell you what needs to be done
to get rid of the mold withoutthe fear everyone puts into you and you
know exaggeration. Genesistotalexteriors dot Com.Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Time

(44:09):
for an insurance check up free,no obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurancecompanies find out now three oh three seven
seven to one help. You'll thinkyou're his only customer when you choose Frank
durand the real estate Man dot comto list your home with Remax Alliance three
oh three nine two zero sixteen twentytwo. I'm Tom Martino, you're a

(44:32):
troubleshooter. Hey, you can textme. I haven't signed into it yet,
but I will and I'll read themon my Google Voice number as well,
which is seven fourth, seven four, seven nine nine nine fifty two
eighty. I'll get to that ina second here. And you can also
text me the iHeart texting app whichis five seven seven three nine. And

(44:58):
I have to tell you, man, it is amazing to me that Colorado
makes the top ten lists in allkinds of bad news stuff. When it
comes to crime, when it comesto car theF when it comes to drug
overdoses, when it comes to creditcard debt, when it comes to household
incomes, when it comes to difficultyto save, I mean, you name

(45:21):
it, and we make the topten. And yet another one phishing schemes.
I'm not talking about fishing out ofstreams for trout, I'm talking about
pH ish. And there are phishingscams where people get information from residents.

(45:43):
Do you know some of the mostprolific states that fall prey to this again,
you know what's funny. I don'tsee any rhyme or reason, but
out of the top ten, Colorado'snumber five, that's right, you know.
And I looked at the correlation betweenthe states that have the top phishing

(46:05):
schemes and scams perpetrated, and theones with the highest credit card debt and
the ones where it's most difficult tosave, and all of these things are
hand in hand. If it's difficultto save money, people fall prey to
scams. The people who fall preyto scams have terrible credit card debt.
I mean, it's almost like there'sa characteristic a demographic. Now, now,

(46:34):
please don't be offended when I saythis a demographic of a loser.
Now before you go, you know, trying to cancel what I'm saying here.
I'm not talking about income. I'mnot talking about ethnicity, I'm not

(46:54):
talking about religion. I'm not talkingabout sex or for that matter, sexual
preference, none of that. WhatI'm saying is is that there are losers
in life. Have you ever noticedthat? Really? Have you? Seriously?

(47:15):
Now, I'm not kidding. Haveyou ever run into people and they're
always fighting with someone, or theyalways are getting ripped off, or they
always have a problem. It couldbe with employer, it could be with
something they bought, It could bewith something they sold, it could be,
could be, could be and you'retired of almost hearing about it,

(47:37):
but they don't put the connection together. That they're the only common denominator between
them and trouble. You don't haveas much trouble as they do. But
seriously, have you known someone likethat? Oh my god, It's like,
what is their trouble? Now?What's going on? Now? You're

(47:58):
gonna hear it? What's going onnow? And then they tell you,
well, this person here. Youknow, I had my LOANDNRA, or
I had I had a guide dothis, or I called about this,
or I went took my car in, or my boss or my manager.
They don't like me, you know. I love that when they think they're
being singled out losers? So whatmakes a loser? What makes a loser?

(48:24):
If you had to pick characteristics ofa loser? Come on, my
show is a lot of winners.So I want to know who are the
losers? Are they listening to thisshow? I doubt it. I doubt
a lot of losers listen. Somedo. Most people call for help,
call on a recommendation of one ofmy winners. But if we had to

(48:45):
make if By the way, arewe on YouTube now? I don't know.
Did we ever get up on YouTube? We never did, did we?
Because of our broadband? I'm soSorry, guys, I know I'm
getting messaged here. But if youhad to make the characteristics of a loser,
okay, I'm gonna give you onethat's generally honest and you got to

(49:12):
look deep. It doesn't necessarily meanat first blush what you think it means.
Okay, there's I'm gonna give youa few. What do you think
the first characteristic of a loser is? Go on, dragon? What is
it? The deputy bow? Whatis it? And is self esteem?

(49:36):
And they love to be miserable.They thrive on being missing most self esteem.
I didn't have that on my list. That's a wonderful observation. Dragon.
What do you think somebody who alwaysthinks everybody else is out to get
them? That's that's right, that'spart of that kind of that you know
that that is now now that victimmentality? Is that what you meant?
Because that's okay, that's what Ihave down. So you're right. And

(50:00):
by the way, that would goalong with those helpless seem I know what
you're saying, bo victim mentality.You know what else? This is the
first one. Lazy. Now youmay say, oh, no, no,
no, I know people that they'renot necessarily lazy. No, but
they are lazy. You have tohear what I'm saying. When I say
lazy, I'm saying that they're lookingfor an easy way out, or somebody

(50:24):
asks them to do something they don'twant to do. I'm talking that kind
of lazy or lazy in research orlazy in life. There's more laziness than
just laying around, okay, smokingdope. You can be a lazy person
and have a job. You doas the little as possible. You never

(50:46):
look to do more than you needto, or if you do more,
it's for very specific reasons. Andthat goes with the next characteristic of a
loser. We have a victim mentality, we have laziness, and the next
one should be so self apparent,so so rolling off the tongue, selfish,

(51:09):
selfish. Those are losers. Nowwhen you think about it, When
you have a friend who comes upto you at the gym or at work,
the water cooler, or on thestreet, or they call you or
they text you and they're always havingproblems, they're lazy, they have a
victim mentality, and they're selfish.Think about it. But there are other

(51:32):
characterists. That's to go deeper thanthis. In fact, I'm going to
tell you people, if you're inbusiness, how to pick a loser and
how to avoid them, because thereare losers, Deputy Bow brought out.
They almost want to be victimized,or they almost look at themselves as such
a victim that they they're they're they'realmost justified when something goes wrong. It

(51:54):
almost they almost revel in it.They say, see, I knew,
I knew I was going to getripped off, and I'm going to tell
you how to spot them. Ifyou're in business. Do you know some
of the seminars I do for businessis how to turn down business? Did
you know that? Why would Iever do that? Well? I generate
leads. That's what I do.That's what a radio show does. That's

(52:15):
what I do as an endorsement.What does the lead mean? I tell
you where to go and who tocall, and I do it out of
the honest of god genuine feeling Ihave. I mean, I would never
recommend someone I don't truly believe inor use Okay, that's the truth.
And I don't mean use because Iget it free or I get special deals.

(52:37):
I mean, I would never recommendanyone that I did not fully believe
in or did myself. But Igenerate leads. Now all kinds of people
listen to me and call my advertisers. Now advertisers businesses. They want business,

(52:58):
so they take the calls and tryto do the jobs. Very seldom
do people turned down business. Butthere are times you should. There are
times you should. I'll bet youthat if you look at negative reviews,
about half of them are genuine andshould be bad and the company suck.

(53:22):
I think reviews are a great toolfor picking out bad companies, but they're
also a great tool for picking outbad consumers because the other half of the
bad reviews are just pissed off consumers, and if you get one of them,
no matter what you do to pleasethem, it's not going to work.

(53:43):
In fact, some of them usethe review process as a blackmail tool.
Give me you know, if youdon't give me a discount, or
if you don't do this, I'mgiving you a bad review. So you
never know if a review is genuineor not. There are to tell.
But I'm going to go through howto avoid a problem customer. Okay,

(54:07):
there are different kinds of problem customers, and one thing I can tell you
that no one else can that callsthat people that call themselves consultants. Is
that I'm not talking out of myass. What I mean by that is
I have fifty years of listening topeople every single day. There's not one

(54:35):
researcher in the world who has takenas many consumer complaints and listen to as
many concerns and issues directly as Ihave. Just think about it. I
mean, there are good experts outthere, and they have a good they
do some research here and there.But being on the phone with people or

(54:58):
on email or tech hoists all ofthese years tells me something, and I
can spot losers that you should avoidcoming 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 checkup free, no obligation. In comparison,

(55:24):
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find
out Now three oh three, sevento seven to one help. You'll think
you're his only customer When you chooseFrank durand the real estate Man dot com
to list your home with Remax Alliancethree oh three nine two zero sixteen twenty
two. Hi Tom Martine, yourtroubleshooter three oh three seven one three talks

(55:50):
seven one three eight two five fivehow to avoid a problem customer coming up?
But I do want to take callersas they come in so they don't
have to wait. And then wealso have a guest for Grossman Wellness.
I love these guys, and ofcourse I'm a patient there, and we'll
talk to doctor John Kelly, andhe's one of the doctors there, and

(56:10):
we're going to talk about wellness asopposed to chasing sickness. Although they can
chase sickness pretty well, it's betterto do the prevention. And actually,
I don't even like the word prevention. It sounds like we're falling apart at
the seams. It's more of maintenance, maintenance of wellness, right, John,
I mean, doctor, I'm sorry, I don't want to be disrespectful

(56:30):
Doctor Kelly, go ahead, sir, I mean really and truly. You
know, when people say preventive medicine, it does make you feel like you're
on the brink. I don't know. To me, it does. I'd
rather say it's just proactive health.But sure, sure, yeah, I
mean, I think what we're allabout. Yes, there's absolutely an aspect

(56:54):
of prevention, but you know,at the end of the day, we
want to make people feel optimally well. Yeah, that's what it gets you
feeling your absolute best. And that'sthat's the goal of you know, of
wellness and of being a longevity medicineclinic is you know, how do we
increase your longevity? But how doyou feel good? Yeah? Exactly right,

(57:17):
and we'll be talking about that anyway. Jeff, what is your question
on car insurance? Jeff? Iguess sure, Okay, right now,
I'm with Progressive paying a ton ofmoney, so I decided to look around.
Everyone's paying a lot right nowadays.But go ahead, Well, I'm
paying one hundred and twenty two dollarsa month a month. That's not a

(57:37):
lot, man. What kind ofcar, by the way, it's a
two thousand and seven Santa Fe HYNDI. And do you have collision coverage on
that? What kind of coverage youhave? Just standard? What does that
mean? Like like state minimum?Yeah, state minimum? Like like for
liability you have twenty five fifty yeah, I guess yes. And you have

(57:59):
comprehens for hailstorms and all that.I don't know if that's in there to
have underinsured or uninsured motorists. Youknow, uh, what does that mean?
You know? I mean that's okay, never mind, Okay, I'm
just trying to here. I'm justtrying to get get an idea. But
okay, so go ahead, let'shelp you. What's happening. Well,

(58:20):
I went to State Farm. Ihad a talk with a guy. Worst
company, worst company in the world. Is it really one of them?
Well? He gave you a quotefor seventy seven dollars? Okay, Well,
is it the same coverage? Jam, Listen, it's all in the
math. Is it the same coverage? It's a state minimum, which I
figured is the same as well.I understand, But there are other components.

(58:44):
First of all, the amount ofdeductibles. There are so many components
to here. Here's how you cantell, Jeff, I can tell you're
you're not too hip to insurance.So let me just tell you this,
And I don't mean to insult you. No, No, there's nothing.
There is something on your progressive policycalled a declarations page. Okay, it's

(59:07):
usually the first page or second.It's called a dex page or declarations page.
It's a summary of coverage, andit'll have the coverage you have and
the amounts of coverage. It'll staycomprehensive. This much, medpay this much,
uh, liability this much, andthe liability is expressed in two numbers.

(59:30):
One is per I believe, perperson. The next one is per
accident. So it's like a slash. But anyway, you take that declarations
page and you compare apples with apples. Now, you can upgrade your coverage
if you want, but you haveto know what you're getting if someone offers

(59:51):
you if you're paying one twenty twonow with Progressive and someone offers you eighty
dollars or seventy seven dollars, itcould be a great deal. Well,
if you're getting a sad One ofthat is I'm a low vileage customer.
I'm disabled and I rarely drive,So he was factoring that into it also,
And why doesn't Progressive factor that in? Yeah, I'm just gonna she's

(01:00:14):
supposed to be calling me back becauseI called them. Well, you're doing
the right thing. You're doing theright thing, except you're not comparing coverage.
Is stay minimum Z? What's thatwhat Sha'll do? Because yeah,
uh, I should have been.Just do that and do me another favor.
Do me another favor. I wantyou to call another place to get
a quote. Now, I willtell you it is likely they won't be

(01:00:37):
able to help you because you knowyou may not be a candidate for them.
But but it's Compass Insurance Group.Now the reason and well, here's
what I love about Compass when andabout what you're doing. Even without Compass,
you're comparing. So if they saythey can do it cheaper, they

(01:00:58):
got to be able to do itcheaper. And if they can't, then
they're liars. I mean even youknow the difference between seventy seven dollars a
month and one hundred and twenty twodollars a month. So it's easy.
That's what I like. If youhave the same coverage, you compare price.
Then once you get the price youwant, if you want to add
coverage, go ahead because you knowthe company's already value. So so here's

(01:01:19):
Compass three ZHO three nine nine thousand, Okay. So what you say to
them is you want to get anit's called an insurance checkup, okay,
okay, And then they'll give youan honest assessment and it could be,
by the way, there are timesthat all State or Farmers or State Farm,

(01:01:43):
all the sucky ones our American family. It could be there are times
that these companies have pretty good prices. Okay, now here's one of the
main reasons I called Yes. Now, when I called Progressive, They're like,
well, you're on a six monthcontract. If you cancel, you
could owe the remaining months on yoursix month contract. Well, what are

(01:02:06):
you talking. They're not gonna You'renot gonna owe it without getting the coverage
for it. I don't know ofany I don't know of any non cancelable
insurance. But you know what Ithink Compass deals with Progressive. I'm gonna
ask him. Hold on, don'thang up, Kelly. Let's uh,
let's get Compass on to talk aboutthat. Okay, Amy has an issue

(01:02:30):
getting reimbursed for home schooling supplies.We'll talk about that and more coming up.
Go with a sure thing Denver's Bestroofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,

(01:02:52):
no obligation. In comparison, callCompass insurance paying too much your coverage
at dozens of insurance companies find outnow three oh three, seven to seven
to one. Help You'll think you'rehis only customer when you choose Frank durand
the real estate man dot com tolist your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martine here three three seven

(01:03:21):
on three talks seven one three eighttwo five five. So let's see.
I think I I I hope Ianswered all his questions on, Jeff,
do you have any other insurance questions? I think I answered them all.
Oh, no, we're gonna getBrian on one other question. You're right,
hey, Brian Burns, Now Iknow why he's hung on with Compass
Insurance Group. A really quick questionhere. Yeah, this guy has Progressive

(01:03:45):
insurance and he was told of hecancels, he has to pay the balance
of his contract because it's a sixmonth deal. Is that right? No,
they're pro rated. So and thisis a personal line policy, not
a commercial line. Correct, notcommercial it's car He's yeah, he's listening
right now, Jeff. Yeah,there could be some kind of penalty if
he got a painfull rate, thatthey might give him some kind of penalty.

(01:04:09):
But absolutely not It's not like hehas agreed to pay six months and
that's all he can do is staythrough six months. The insurance commissioner has
made sure that that customers in thisstate do get pro rated portions back.
So really, Jeff, they're nottelling you the truth there, Progressive,
who are you dealing with? That? Progressive a progressive person or a broker

(01:04:32):
a broker insurance they're called what affordableinsurance? Yeah, well, Aurora,
Colorado. Yeah, well, listen, you're you're you got bad information there.
There, there's no you're you're notrequired to keep your personal line insurance
for the period of time that youhave signed up for. That's not true,

(01:04:54):
Okay, but they might charge mefifty bucks ors lething for if they're
you know, Progressive is just oneof those strange companies that can give you
a little bit of a short rateon it if by chance, it's been
paid in full and they're trying togive you back a pro rated portion.
He's paying by the month, he'spaid by the month. Anyway. Yeah,

(01:05:15):
I don't think. I don't thinkyou're going to have anything other than
what you have owed. You're goingto owe the portion of the insurance that
you have used. Okay, yeah, and listen what he's talking about short
rating. Let's say they give youlet's say they give you a rate for
an annual insurance premium. I'm justgoing to take a number that doesn't matter,

(01:05:36):
but like five hundred, and that'sa discounted rate because you signed a
year's contract and then you cancel afterthree months. So now they might just
charge you for three months, whichmight be higher than if you divide the
five hundred by twelve months and thenmultiply that by three. Right, Brian,

(01:05:56):
So you've got it said, exactlyright, exactly right. If you're
buying it by the month, it'llbe a little higher. And that's the
rate they're going to charge you.If he's already paying by the month.
I doubt there's going to be muchof a difference when you can be negated,
that's right. That's not really thatdiscount that's in there. Commercially,
it's a different world. You canget charged for greater portions. There's a

(01:06:17):
greater short rate twenty five percent minimumearned premium. That's just not the world
you live in with admitted carriers inthe personal line. All right, thank
you, that's compass Insurance Group threeoh three nine nine six nine thousand.
Three oh three nine nine six ninethousand for your free insurance checkup. Doctor
h. Kelly's with us from GrossmanWellness. He's gonna be our guests coming

(01:06:40):
up in the next hour and therest of the show as well. If
you have any questions, give hima call, doctor Kelly. I always
say this because I do. Youknow, as part of the program,
you do blood work every three months, and I say that's cool because not
much unmanageable can happen in three months. Is that about true or me?
Can't you catch almost anything if youkeep doing stuff every three months? Yeah?

(01:07:04):
I think getting consistent blood work isreally important, especially if you're doing
because you can see a trend immediately, right Oh yeah, yeah, yeah,
you know if you find something ona prostate marker for example, Yeah,
you know, you can catch itand that's you know that again back
to your dreaded word prevention. No, it's not dread but part of that.

(01:07:26):
It is part of prevention, yes, it is, for sure.
And so what you're doing is you'regetting a snapshot every three months and you
see trends, whereas if you goonce a year, you could. I've
had friends who had a normal PSA, which is the prostate marker, yeah,
on their physical and the following yearit was sky high. Yeah,

(01:07:48):
and they had cancer. Yeah.I mean I'm not you know, we're
not saying yearly things are not good. Of course they're better than not.
But but every three months, andyou know, that's just a way of
looking at your body. And thenthe most important thing, it helps you
monitor the supplements because some people blindly, I often wonder they take supplements.

(01:08:12):
They don't know what they do forsure, they don't know if the supplements
are if they even need them forsure. I mean, that's one of
the craziest things. Anyway, wehave more coming up. I'm Tom Martinez
and then Amy. I'll take youright after the break. Go with a
sure thing Denver's Best roofer Excel roofingdot com. You don't pay a cent
until you're contenth time for an insurancecheck up free, no obligation. In

(01:08:36):
comparison, call Compass insurance paying toomuch your coverage at dozens of insurance companies.
Find out now three all three sevenseven to one help. You'll think
you're his only customer when you chooseFrank durand the real estate man dot Com
to list your home with Remax Alliancethree all three nine two zero sixteen twenty
two ripped so you don't have runinto sas again. Shooter's gonna help.

(01:09:13):
Come Dix is the Troubleshooter Show.No, Tom Martino, Hi, I'm
Tom Martino. Welcome to the show. Three O three seven one three talk
three oh three seven one three eighttwo five five is my number. We
have a medical guest today. Ifyou have any questions, that will be
cool. And then I'm gonna goto Amy who's been waiting, and then

(01:09:38):
we go back and talk to GrossmanWellness dot Com and Amy. What's happening?
Ah? Yes, we've joined MyTech Hi at the beginning of the
school year last year, and oneof the reasons we joined was because they
reimburse some of your school supplies.There was a problem. And what's the

(01:10:00):
name of the program, My TechHigh, My Tech High Okay, yes,
and that's your kids homeschooling for highschool, well, middle school,
in high school okay, in eighthgrade okay. So you enrolled your son
in My Tech High correct, Okay, and keep going. And we were

(01:10:26):
told that the reimbursement period closed onthe second. So somewhere around April twenty
sixth or twenty seventh, I sentin all the receipts to be reimbursed.
And who was actually doing the reimbursingmy tech High Oh okay, and why
do they do that? I don'tknow, I guess just like an incentive,

(01:10:48):
an incentive, And what exactly arethey reimbursing. They're reimbursing books.
They have a whole list of stuff. Okay, So it's kind of an
incentive to get you to sign up. Yeah, and you have you required
to take so many courses through them. With us it's four courses. You
have to check in once a weekto make sure that the kids are doing

(01:11:10):
their work. Okay. So sonow talk about those deadlines and what happened
to you. Okay. So Maysecond was the deadline. I sent in
all the receipts on April twenty ninth. I have now you send in receipts
through their website, through the mytech high site. So I have no
way of proving that I sent themin. Are they denying that you sent

(01:11:33):
them in? They're denying I sentthem in, And I have an email
on the twenty ninth, saying Isent them in were there any problems,
If so, let me know soI can fix it. I never heard
back. So on the second Isent another one and they said, well,
here's our reimbursement process. If there'sa problem, we will contact you.

(01:11:54):
Okay, then what happened? Iget it? I get it.
So then what happens nothing? Inever heard back. And when I contacted
them again last week, they said, oh, we're sorry, we never
got it. The reimbursement period isclosed. There's nothing you can do.
And how much were you expecting abouteight hundred dollars that's no small amount.

(01:12:15):
Yeah, and it was not justbooks though, right, No, it
wasn't just books. But we stuckto their list that you know, they
give you a gym membership to qualifyfor gym class. Now they said they
never got it. That's that's justtheir explanation. And it was supposed to

(01:12:36):
be done by the deadline. It'sthat simple. I mean, I wonder,
here's what I wonder, are theyactually doing this to a lot of
people? Did you go online tosee if you could find other victims.
I went on to their Facebook websiteand I put something out there asking if
anybody else had because that's the onlystrength we're going to have. I mean,

(01:12:58):
obviously, if they did it toyou, they would do it to
others. They're not just going todo it to you over eight hundred bucks.
But right I'm wondering what the alternativeis the fact that you emailed them
that day saying I just sent thepacket. How did you send the packet?
You have to send it. Youhave to upload it to their website.
You go into the parent link andupload a PDF file, which I

(01:13:21):
did, okay, And did youverify it was there? Yeah? I
looked on their parent link and itshowed that they had gotten it and that
it was pinny. Can you logonto that parent link? I can,
but it's not there anymore. Itdisappeared off their site. Your documents,
yes, how many documents? Itwas just one? And it okay?

(01:13:45):
So the day you loaded you uploadedit. Could you look at it online?
It was on there? It wason their site. Yes, godly,
I wish i'd had a screenshot ofthat if I had thought ahead,
yeah, or something right? Somethingand that I mean, did you try

(01:14:06):
talking to someone above that? PerI mean, they're just going to flat
out deny it. Yeah. Ifinally got a phone number from them,
because you can only talk to theiremail. I called them every day for
a week before they returned a call, and they finally returned to call and
basically tell me the same thing.How much did you? How much is
the uh? How much is itto join them? It's free the school?

(01:14:30):
Yes? How can the school befree? I guess it's state supported,
State of Colorado, State of Colorado. They're in three states. You
talk Colorado and I think Oregon.And is this spelled tech te c h
yes, my tech And what's thewebsite mytech hi dot com or what correct?

(01:14:51):
I'm going to look at it.I've never heard of such a thing.
So I wonder if they got paid. They got paid by you guys,
and they see they do the math. Here's what they're thinking. If
they get paid per head by this, you know, like a school does.
I don't know they do. Butlet's say they get paid for that
by the head, and then theyfigure they rebate some expenses, they'll still

(01:15:15):
make money because the school reimbursement rate'snot bad. And is this considered then
a legit school? Well, itmeets the homeschooling requirements as an umbrella school,
so we don't have to send ina notice of intent to our local
school board. You just go.You just sign up through them because you

(01:15:39):
have a homeroom and a homeroom teacher. You check in every week. In
October it's the school head count day, so they make you do extra jumps
through extra hoops in October so thatthey make sure that your kid is counted
in October with every other student.I wonder if there's a way, I

(01:16:00):
mean, there's a record on theirserver of an upload, I would think,
but not if they deleted it.But see, we would just have
to find other people this happened to. It's gonna hold no weight one complaint.
I mean it might we can.They're simply going to say you never
did. They refuse to believe you. Did they did they listen to your

(01:16:23):
story at all? They did well, they at least they responded to all
the emails. And what did theysay? They said, I'm sorry,
we can't find it. Pretty much, that's just they said, we don't
have any record of it. AndI asked them, why would I call
you on the twenty or why wouldI send an email on the twenty ninth,
asking if you received it? Didthey get that email? Send it

(01:16:45):
in? Did they get did theyacknowledge that? Does they do they acknowledge
the email you sent on the twentyninth? No, well, yeah,
I got a standard auto response.So on the second they sent me an
actual letter telling me that it takesfourteen business days to process and that they

(01:17:05):
had a lot of people and sothey would take them in the order in
which they were received. So that'swas that like an acknowledgment that you sent
it? Did they say, Imean that sounds weird you would get a
letter like that. Yeah, youknow. I was asking if they received
it and if there was anything elsethat they needed. I said, I'm

(01:17:28):
new to my Tech High. Thisis our first year. I said,
what you know? Did you getit? And is there anything else?
And this was just a response forthat. BOK, go ahead, you
got a comment. So, caller, did you actually talk to a human
being at this school or is thatall done? You did? Yes,
it took me a week to havecalling. I'm looking at my Tech High.

(01:17:49):
They don't have good ratings, that'sPauler. You might want to just
go to the school, take adrive. Oh well, no, No,
this is not a regular school.This is not a brick and mortar
school. Correct. I can't justgo there. I would love to.
Now I see the Utah, Oregon. I don't see the Colorado here.

(01:18:10):
They might have removed Colorado this yearbecause Colorado has now decided they don't want
to support homeschooling at all. Sothere was a big thing at the capitol
in January February saying Colorado is goingto pull all state funding for any homeschoolers
whatsoever. So if you want ahomeschool your kids, you got to do
it one hundred percent out of pocket. So I don't know if you're going

(01:18:32):
to be allowed to sign up fortheir school this coming year. Yeah,
I don't see where you can,Tom, I can't make a call over
to the school. Maybe coming fromwhere is it located physically? I mean
I know that they're an online school, but do you know where they're located?
No? Not really. The numberthat came in was from California.

(01:18:53):
I don't know if that's where they'relocated, though it could be. Yeah,
did you go to my tech highdot Com? No? I haven't.
If you go there, it tellsyou how it works. Let's just
see hold on. I can peruseon there and send a couple of years.
But I like calling people. I'dlike to just call on your behalf.

(01:19:13):
Yeah, let's just try it.Hold on a sec. We'll see
what if we can shake them upa bit. I mean, I agree
with you. Why would you writeto them asking them if there's anything else
you need to do? To me, that just sounds jacked that they would
put you through this, especially becauseyou bothered to call. You have proof
your kid went there? You have, you know, I mean, why

(01:19:34):
would you lie about that? AndI'm wondering if we go online, how
many other people complain about it?I wonder if other people are involved.
Go with a sure thing Denver's Bestroofer Excel Roofing dot com. You don't

(01:19:55):
pay a cent until you're content.Time for an insurance check up free,
no obligation. In comparison, callCompass Insurance paying too much your coverage at
dozens of insurance companies find out nowthree all three, seven seven to one
help. You'll think you're his onlycustomer When you choose Frank durand the real
estate Man dot com to list yourhome with Remax alliance three oh three nine

(01:20:18):
two zero sixteen twenty two. Hi, Tom Martino, you're a troubleshooter three
O three seven one three talks sevenone three eight two five five. So
we're gonna, uh, well,we're gonna give this call a school,
this this call, this school acall and try to help out. Now,

(01:20:40):
I mentioned the signs of a loser, lazy, victim, mentality,
selfish, and I said I wasgonna tell businesses avoid a problem customer.
Now you have to understand something.There are good customers who add ask a
lot of questions, right there arewonderful, wonderful and they want to be

(01:21:03):
informed. And partially the more questionsthey ask means the poor poor job you're
doing explaining things. But invite questions, you want those. But the type
of questions they ask is where youknow you have a problem customer. There's
nothing wrong with people wanting to knowthe cost of something for sure, right

(01:21:29):
and what they get for the money, and that should be readily available anyway
up front. But when they wantto know what you're making on something,
that is a red flag. Frankly, it's another business what you're making.
But that is truly one of thethings that comes up with a poison customer,

(01:21:50):
Hey, what are you making onthis? Or what's the spread?
Or I can or they say thingslike this, well, I can buy
that for you know, one hundreddollars at home depot. See, but
they don't have the insurance and theoverhead and all the other stuff that goes
along with the business. We won'tget into that. So when they start

(01:22:11):
talking about that what they can doon their own, or how much you're
making, or they know someone elsewho had it done for this or this
or this, it is absolutely ano win situation, a no win situation,
or when a customer who doesn't knowwhat they're talking about. There are
some that do know what they're talkingabout, okay, But most of the

(01:22:34):
time, when you have a customerwho's trying to tell you how to do
it when you know it's wrong,rather than argue with them and try to
win the argument, because if youdo, that'll come back to haunt you.
So here's what happens. If theythink they know better, don't do

(01:22:56):
the job and don't do it theirway if you don't think it's the right
way, even if they want itthat way, because you will be blamed.
So if they think they know morethan you or know exactly how they
want it done, and you knowit's not the proper way, don't fall

(01:23:17):
for that trap. It'll never youwill never win. Here's another surefire sign,
and this one should be pretty obvious. They tell you about all the
nightmares they had with people in theirhome. Why had one guy tried to
do this? And then I wasripped off one time a few years ago

(01:23:40):
by this fence builder. And thenI had a guy pour my driveway and
he sucked. Okay, come on, you know what I'm talking about.
As soon as they start talking aboutother people and how bad they did,
that is a red flag. Youneed to know red flags. People.
These red flags will keep from gettinginto trouble. It's better to not take

(01:24:04):
a customer that's the problem than totry to please them. Now, remember
there are consumers who will have suggestionson how they want things done or questions.
That's not what I'm talking about.And I think you know the difference.
What I think you've in fact encounteredpeople like I'm explaining, and you

(01:24:25):
know exactly what I'm talking about.All right, let me check my my
texts and we have one for thedoc. All right, so what with
a blood test? They want toknow how important is an actual physical And

(01:24:46):
I've often wondered because I've had doctorstell me that hands on physicals only if
you have that. They're only reallyreally really necessary if you have symptoms or
lumps or something like that. Idon't know, but I don't know.
I'm not trying to put words inyour mouth. When is a physical examined?
Port? Yeah, I kind offeel the same way. I mean,

(01:25:10):
when you do it as a routine, you almost never find anything.
Yeah, I mean, you knowit is. It is a little bit
gratuitous sometimes, but certainly it's reallyto make the patient feel good. Yeah.
So and when you do that littletap tap on my legs and make
them jump, why are you doingthat? Check what it does? It

(01:25:31):
does it really tell you something?It certainly can absolutely absolutely. You know,
if your reflexes are absent or ifthey're hyper reflexive too, you can
tell Okay, but really you knowyou're you're doing that when someone has some
kind of a neurological complaint. Yeah, And it's the same with other physical

(01:25:51):
exam findings. You're usually going tofind something if someone's you know, has
a complaint when they just come inthey're healthy. Ninety nine percent of the
time, you don't find anything butsignificance. Right, And so as far
as the consultations every three months,let's talk about a normal program. What

(01:26:15):
are you consulting about? Yeah,you know, the the big things that
we're focused on is how do weprevent people from having cancer? Deaths from
cancer and from cardiovascular disease. Soare the two big killers. I had
two big killers, and you know, we do a really poor job in
mainstream medicine of addressing those two problems. You can really find a lot through

(01:26:44):
blood work sometimes but mostly through someimaging. Uh. For instance, we
use something called the Karateid IMT totake a look at your kartid arteries and
see, you know, based onthat test, we can tell if you've
got plaque in the artery. Now, if it's in the karateid doesn't mean
it's around the around the body.It does it means that is that a

(01:27:09):
good image? Is that a goodvisual of the rest of the body.
It is. So there's about aninety five percent concordance between the amount of
plaque that you have in your carotidartery to what you have in your coronary
arteries in the heart. So that'swhy it's a great proxy. It's cheap,
it's quick, and there's no radiationbecause it's an ultrasound, So you

(01:27:32):
get all those benefits. And youknow, if someone has a lot of
plaque there, maybe we want todo more advanced studies. But we can
also optimize you on you know,different medicines that can really help slash your
risk stay of having a heart attackor stroke or shrinks it right. In
some cases we can't. I mean, there are currently medications and therapies where

(01:27:55):
you can see uh plaque in thecarotids or in the coronaries in your heart.
You can see those plaques get smaller. Yeah, let's talk to John
about a water heater. Why John, what's happening John? Hello? Jeez?
Are we having more of those phoneproblems? Hey, Kelly, see

(01:28:18):
if John's there and I'll take himright after this, go with a sure
thing Denver's Best roofer Excel roofing dotcom. You don't pay a cent until
you're content. Time for an insurancecheck up free, no obligation. In

(01:28:39):
comparison, call Compass insurance paying toomuch your coverage at dozens of insurance companies.
Find out now three all three sevento seven to one help You'll think
you're his only customer when you chooseFrank durand the real estate man dot com
to list your home with Remax Alliancethree all three nine two zero sixteen twenty
two three seven on three two fivefive. One guy texted and said,

(01:29:11):
you know, Tom, in reality, you really can't add much to your
life. You are what the cardsyou're dealt. I want to know how
you feel about that, because thereis there is a there is a school
of thought that you have heredity,you have genes, you have what you're
born with. You like, howmuch can you really do for yourself?
I think you can do a lot. My god, I've seen people.

(01:29:35):
I mean, I think you can. But what do you think? I
mean, you've been in longevity andin preventive and in wellness. What do
you think question as far as areyou the cards you're dealt? And can
you really do anything to add toyour life? Oh? Yeah, yeah,
yeah, No. I think youknow, there's a big misconception that

(01:30:00):
you know, genetics are going todictate what your health outcomes are going to
be and that they have a goodpart in it, don't they as far
as they're camping you, well,they can, you know, I mean,
I think a good example is,you know they're recently you know,
we we do a lot of testingon a gene for Alzheimer's. Okay,
right, you know if you havea certain copy of this gene, yes,

(01:30:25):
it can increase your risk of gettingAlzheimer's. And that's that's a fact.
Right, people are testing for thatnow, oh for sure. But
is there anything you can do aboutit? Like what? So when we
look at all the preponderance of dataon what contributes to people having something like
Alzheimer's, one of the most importantthings that you can do is all of

(01:30:47):
the different lifestyle things. Yeah,good sleep, good exercise, good diet.
But really, you know, whenyou handle those things, well,
what are you going to do?You're going to help decrease your risk of
pre diabetes and diabetes and diabetes isone of the biggest contributors to well,

(01:31:12):
every kind of crime is now.Of course, it contributes to cart,
it contributes to Alzheimer's. But ifyou you know, if you manage your
lifestyle well and optimize your your healthand wellness. Even if you have one
of these you know, genes,then you can significantly reduce your risk of
getting Alzheimer's. Okay, and thereare people that are more predisposed. Does

(01:31:36):
that mean if you don't have thegene, you won't get Alzheimer's. I
mean, have they gone that far? Does everyone who get Alzheimer's have that
gene? No? No, goodpoint. So you you can absolutely get
Alzheimer's irrespective of your your genotype.You know, if you do things horribly

(01:31:59):
in terms of your lifestyle, you'regonna increase your risk of Alzheimer's. All
right, right, I see whatyou're saying, whether you have the gene
or not. Correct. Isn't therea confusion between dementia and Alzheimer's Aren't they
two different things? Are they thesame? No? So, dementia is
just a kind of blanket term forpeople who develop some kind of cognitive problem

(01:32:24):
at some point in their life.Okay, right, usually later in their
life. Yeah, Alzheimer's dementia isit's just a kind of dementia. But
you could have Louis body dementia,which has elements of Parkinson's deemant yeah.
So there's different types of dementia,and Alzheimer's is one of those, the
most common ones. Okay, Isee what you're saying. John, what's

(01:32:45):
going on with you? John?Welcome? Oh? Thank you? Tom?
Yeah, Tom, I had asituation here with a water heater.
What is it, sir? Ibought a brand new water heater and I'm
real happy with the work and thecompany that did it. There's no problem
there. But my question to youis I paid thirty five hundred dollars and

(01:33:10):
it's a fifty gallon rim water heaterat how much did you pay? How
much did you pay? Thirty fivehundred? Okay, Well you're wondering if
you overpaid, right, correct,Well you didn't overpay, because there is
no overpay unless. What I meanis it's right in there with what people
charge. However, you heard metalk about euro plumbing. They would do

(01:33:34):
a fifty five gallon tank at aroundfifteen hundred bucks. Okay, okay,
fully installed with the old one takenout and hauled away. Okay, Yeah,
that's what I had done here.But I'm not saying but listen,
you you did I know this soundsweird. I don't know how euro Plumbing
does it. In fact, I'vehad plumbers call me. You get mad

(01:33:56):
at me, saying why can youhow can you advertise that? But we
never had a complaint and they've donea great job. They do the forty
gallon tank for fourteen ninety for thirteenninety nine. Now listen, that doesn't
mean thirty five hundred is bad.Was that a high efficiency? Yes?
Oh? The water heater, wellyeah, but rem makes both. Is

(01:34:20):
it a truly high efficiency water heater? A quick recovery? When I say
that, don't you say yes unlessyou know it, because that would be
well worth it. Uh, Idon't know. I'll have to Why don't
you get why don't you get themodel number? The exact model number?
We'll see. But as I said, no matter what, for any water

(01:34:43):
heater installation, you're gonna find that'sright in the ballpark. Okay, Okay,
who did you have? Who didyou have? Do it? I
had a It used to being puterValley. Uh huh air up here in
the poor Collins. Okay. Iyeah, they sold, they split up
their all they deal is commercial nowand I went and it's called Lions Home

(01:35:06):
Appliance. Okay. They do theresidential, and I'm real happy with everything.
I've had them do some work andthe just recently to some other stuff
with my furnace, and I'm realhappy with their work. So that's no.
I just sometimes I wonder, especiallythis, when he said thirty five
hundred, I go, WHOA.You know, I kind of questioned that,

(01:35:29):
but I went ahead and you know, had the work done anyway,
So okay, that's cool. AndI said I wouldn't look, I wouldn't
be too sad about that. Imean, yeah, it's it's higher than
he could do it, but sowhat I mean not everyone can hit that
price, and they're up in yourarea, so that price was not extraordinary.

(01:35:56):
Go with a sure thing Denver's BestRoofer Excel Roofing. You don't pay
a cent until you're content. Timefor an insurance check up free, no
obligation. In comparison, call CompassInsurance paying too much your coverage at dozens
of insurance companies find out Now threeall three, seven to seven to one
help You'll think you're his only customerwhen you choose Frank durand the real estate

(01:36:19):
Man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two. Hi TomMartino here three oh three seven on three
Talk three oh three seven on threeeight two five five. We're going into

(01:36:41):
our final hour of the show.You can call us. We'll get you
right on. If you have aproblem, question, complaint in any area.
Again, we apologize for any technicaldifficulties. It's been difficult for phones
and for broadband and for internet andfor YouTube. So if you're wondering where
we are, that's what's going on, and we apologize for that. Now

(01:37:02):
we have doctor Kelly with us fromGrossman Wellness. We're talking about screenings,
blood tests, a gene for Alzheimer's, and what you can do to help
prevent it if it does show up. I want to know about the Grail
test. They call it the HolyGrail. What is the technical name for
that test? Doctor Kelly? Yeah, So the Grill test is what you

(01:37:25):
call liquid biopsy and what is whatdoes it do? Exactly? So basically
you get a blood sample and withinthat blood sample what you're looking for is
called free cell DNA or sell freeDNA. Now, this is supposed to
detect every kind of cancer, right, not every No, there's limitations,
all right, when we can getto that. But basically, when a

(01:37:48):
tumor cell in your body dies,it shed some DNA. That DNA will
have certain markers on it, whichwe call epigenetic markers. It's just you
know, yeah, how does howdoes it no matter how small the tumor
or what but a pin head?Oh my god? Yeah. Yeah.
So this, this particular test candetect fifty five different cancers fifty five.

(01:38:13):
So when you say a tumor assmall as a pinhead, when you have
that, sell that it shed thatis shedded or what does it tell you?
Does it tell you where the tumoris? You don't know where it
is? Oh? Wait, soeach one has its own like signature,

(01:38:33):
Each kind of tumor cell has itsown signature. That's what we call epigenetics
epigenetics. So I mean it.This will very likely be an FDA approved
test in the next couple of yearsjust because sailing the data is So would
it be like, for example,this tom it looks like you could have

(01:38:57):
a tiny tumor in your kidney.It could come back like you could tell
me that after looking at it.Yeah. So the way that they run
the tests, you know, theyhave done extensive testing, thousands and thousands
of patients looking at you know,you do the blood test, you see
what the results of the blood testsare, and then they go and look

(01:39:17):
and find if you know, onimaging, if there's a little tumor there,
then then they know, you know. That's how they start to gather
all this data and say that thisis how long it's a valid test.
It's been out about I think aboutfour years or something. Is it really
gathering a lot of accurate data?Oh? Yeah, yeah. So so
the good thing about it is,you know, if you've got a negative

(01:39:38):
test, you can be really confidentthat you that you don't have a problem.
Okay, so let's say I dohave the size of a pinhead or
a little tiny, big or somewhere. What do I do about it?
You can't even see it, canyou? Yeah, so we would refer
you to an oncologist. Yeah,and the cancer doctor will perform some other

(01:40:01):
tests, maybe a PET scan whichcan also help detect tumors, maybe some
imaging. It just kind of dependson what the cancer type is, where
it is, how they would golooking for it next. Okay, so
then do they take it out?Do they conneticate, Oh for sure,
radiated. So the goal is youfind a cancer as opposed to stage four.

(01:40:25):
Yeah, of course, the oddsof you surviving that are not good.
If you catch it in stage one. You've got even almost before stage
one. I mean it is technicallystage one. People kind of call it
like stage zero. But yeah,so but you know if you if you
detect it in stage one, yourodds of surviving that cancer are fantastic.

(01:40:46):
Wow, really good. So youknow, traditionally we've only been able to
screen for about five different cancers.So now fifty five different forms? What
cancer would it not uncover? Brain? Oh? Really, brain is one.
It won't really won't. Why isthat because the brain is a very

(01:41:06):
encapsulated organ. It's the same withbladder cancers too, So those cancers will
contain those shdded cells, so correct. Yeah, yeah, So so the
likelihood of a of a cancer cellin the brain or in the bladder urologic

(01:41:27):
cancers making it into the bloodstream isless. So it's it's it's you just
don't use that for detection of those. So how are they working on detections
for that? Well, there thereis a similar uh quote unquote liquid biopsy
urine sample that you can use todetect prostate cancers. So they're they're working

(01:41:49):
on other modes for the eurologic cancers. And with brain you know, we
we will do you know, totalbody in our eyes on people and look,
look and see if they've got anykind of structural problems to their brain
or tumors in their brains. Allright, we have more coming up on
The Troubleshooter Show three oh three sevenone three top go with a sure thing

(01:42:14):
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkup free no obligation comparison call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three oh
three seven to seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with

(01:42:38):
Remax Alliance three oh three nine twozero sixteen twenty two d News Need advice
so you don't have Russ came Noshoot is good The help coming man.

(01:43:01):
This is the Troubleshooter Show. NoTom Martino Hi Tom Martino here, Welcome
to the show. Three oh threeseven one three talks seven one three,
eight two five five. What's goingon in your life? How can we
help you? All you have todo is call us if you have a
problem, question or complaint. Andas I do every day, I talk

(01:43:25):
about consumer issues that are near anddear to your heart and pocketbook. And
I have a guest today, andmy guest is doctor John Kelly from Grossmanwellness
dot com and Grossmanwellness is h Ilike to call concierge service, meaning it's
at your disposal basically, and it'sa wellness clinic. It concentrates on wellness

(01:43:47):
and prevention and what I call beingproactive with health. And part of that
pro proaction is monitoring blood work.And we're going to talk about that part
because so many people say, Tom, have you heard about Kinga Baloba?
Or have you heard about gabba?Or have you heard about vitamin D?

(01:44:08):
Have you heard about vitamin C?Have you heard about whatever it is?
You know? Now, some peoplemight need that, some people may not.
But it's amazing to me how manypeople read an article and then start
taking supplements when it's not based onany particular test or any particular monitoring.

(01:44:28):
How do you know what you need? Even people sometimes on testosterone or on
any kind of a hormone replacement,do they know how that shows up in
their body or if they even needit? And these are things that I
think blood work does that nothing elsedoes. And I was always fascinated by
the lack of blood work in themedical world. Really, I mean,

(01:44:54):
they're quick to prescribe a drug toyou, and it's I'm talking about convention
acute medicine, not not the moreadvanced docs nowadays. So let's talk about
that. Blood work tells you thethe vitamin stuff, not just the sickness

(01:45:14):
part or the abnormal stuff or thehigh cholesterol, or it tells you a
lot of meaningful stuff. Vitamins.They're essential to be monitored, don't you
think. I do think so.I think you know. One of the
the main ones that we look atas vitamin D. Now, vitamin Why

(01:45:35):
is vitamin D so important? There'relike probably ten thousand differences that it maybe
more around vitamin D honestly for areason. And the reason is vitamin D
plays a huge role primarily in yourimmune system, but also in hormone function
and bone health cancer. So itand it is one of these ones where

(01:46:00):
you can overdo it as well.Yeah, and what would overdoing it be
too much? And what would itgive you? What would it do?
Well? You can you can getwhat's called vitamin detoxicity. It's hard to
get, I mean I've never seenin my career, but in the literature
it's there. But more importantly isyou know, if you're too low,
it can impact virtually every system inyour body. So we keep a close

(01:46:25):
eye on that. That's the primaryone that we look at. Not depending
on a person's symptoms or diseases,whatever their problems are, it may be
worth looking at a much deeper diveinto a variety of different vitamins. Okay,
so what else? What else canyou tell? B vitamins, d
h EA and all kinds of otherthings. You can tell basically what people

(01:46:47):
need to take to supplement for sure, if it's warranted, we will look
at a variety of different B vitamins. DHA, as you mentioned, is
actually a pre hormone. But youknow, we check that as part of
our hormone replacement programs because it's animportant building block to you know, your

(01:47:12):
your actual hormones that do all thework. But also you know, you
can find interesting things you know withDHA that relate it to better longevity too.
So it's you know, that's justone piece of what we look at
in terms of hormone function. Soso blood work is for supplements, blood

(01:47:33):
work is for hormone function. Bloodwork is for blood chemistry itself, and
can almost anything be dealt with throughthe blood work that you see, I
mean other than you know, whereyou need surgery and things like that asmost
Yeah, for sure, I thinkthe the way that I approach it is

(01:47:57):
a lot of the blood work canbe You can very definitively act on a
lot of different markers, like ifyour testosterone is super low and you have
no energy. You know, that'sthat's an easy one to fix. Some
other things like cholesterol levels, theynever tell the whole picture. So that's
why you know, we use acombination of imaging techniques in addition to the

(01:48:23):
blood work to get a full pictureof where you are in terms of your
cardiovascular health. For example, bloodsugar is a great one. That's an
easy one to act on. Youknow, if you have blood sugar that
is out of control, we canabsolutely help you, and you do that
with a fasting blood test. Youdo not have to fast for every single

(01:48:45):
test, but there are some thatyou should fast for cholesterol, blood sugar.
I think those are good ones tofast forward. Can you explain to
people what an A one see testshows? Yeah, and that's part of
your blood by the way, people, because we've had that question before whenever
we've had a doctrin. A onec is not just a blood sugar.
Correct. Hemoglobin a one c isa way of looking at a three to

(01:49:11):
four month average of your blood sugar. See, that's amazing. So that's
no matter what you're doing, it'llshow up on an A one c more
so than a fasting glucose test forexample. Correct correct, Yeah, fasting
blood sugar is useful, So isa blood sugar after you eat a meal.
Yeah, But a hemoglobin a onec gives us a really good picture

(01:49:33):
of your overall state of are youpre diabetic? Do you have diabetes?
Is it way out of control diabetes? And it gives us a good marker
to act on. Can you controlthat marker when you are close? You
can? And how do you dothat? Absolutely? There are medications that
can help, But I think themost important thing for changing your blood sugar

(01:49:57):
is actually lifestyle and how you eat. You know, if you exercise consistently,
if you get your steps in,if you do your cardio, if
you lift weights, those are goingto be hugely, hugely helpful. And
what you eat right and what youeat absolutely if you if you consume too
much sugar, you I mean,this is a common misconception. People think

(01:50:19):
that if you have diabetes, yougot it for life. It's not true.
You can reverse diabetes type two,you can Type two. Yeah,
type two diabetes you can reverse.Now, some people, you know,
maybe at a state of type twodiabetes where they are going to have to
be on some medications for a whilemaybe or maybe forever. But some people,

(01:50:42):
if you you know, if youcatch it early enough and you're you
know, haven't had diabetes for youknow, three decades, you can absolutely
reverse it. Michael, go ahead, Mike, Hi, I'm Tom Martinez.
What's happening. Yeah. Kind ofheard doctor oz back during the COVID
crisis on rate. Do you saythat if you could getting natural sunlight,

(01:51:04):
D three might have D three exposurewas better than take a supplement because there's
like more than fifty compounds and they'renot all in a D vitamin supplement.
Is that true? Yeah, itdoesn't matter where you get your D.
I mean a lot of us don'tget sunlight anymore, or if we do,

(01:51:25):
we're were we use sunblock. Imean, so what about that?
Yeah, I think and you know, are the way that we work in
the modern world, nobody's getting enoughsunlight. I think that what doctor Oz
said is important. I think partof what I would add to that is

(01:51:46):
the quality of the supplements that youget should be should be very high,
not just any vitamin D off ofyou know, okay, right, like
there are a lot of crap supplementsout there. There really are there really
are, So getting a very highquality supplement, any kind of supplement,
I would want it to be thirdparty tested. Now, but back to

(01:52:09):
your previous point, you know,I think that getting proper sunlight is really
important for humans for a number ofreasons, not just how it stimulates vitamin
D synthesis, but also how itsets our circadian rhythms. So you know,
you see people having a lot ofproblems with sleep. Part of it

(01:52:31):
is how we experience light. Thesedays, we're constantly bombarded with you know,
fluorescent lights from the cubicles that wework in. We're not getting outside.
I think this is something that inthe more recent research and data,
we're finding that people can really helptheir sleep just by getting proper sun exposure.

(01:52:55):
So some sun in the morning asthe sun's coming up, some sun
during you know, midday, fullsun on you as long as you're not
burning. I think that's perfectly fine. And then some sun in the evening
and that helps set our internal clockto tell us when to be awake and
when to go to sleep. Buta lot of people are working all day,
right, so it's really hard.I mean, you have to make

(01:53:19):
an effort nowadays to get out andto as you say, get your steps
in or get sunlight for sure.And that's really kind of where you know,
some of the reality of the kindof world that we live in.
You know, we have to beproactive about helping you know, something like

(01:53:39):
a vitamin D level, because somepeople just can't get out in the sun
enough, right, right, Butif you could, it would be better
to get it from sunlight. Itmight be, yeah, it might be,
but that's why we test. Right, you might be doing everything right
in terms of your sun exposure,but you might still be vitamin D deficient.
Right now, Mike, if youhave a followup, Hey, Frank,

(01:54:01):
I have to take a break,but I want to get started on
your question. What is it?Two part question? You hear this relief
factor advertising, yeah all the time, turmeric er, troll, fishal and
horny goat wait and I careen.And the question is do you believe in
that? You know that's it's agreat question, not enough? And then

(01:54:25):
facial do you worry about the mercurylevel? I've heard there's a website from
Canada that screens facial and checks onthe mercury level. Hold on, we'll
come right back to those very goodquestions. Very good. Go with a
sure thing Denver's Best roofer Excel Roofingdot com. You don't pay a cent
until you're content. Time for aninsurance check up free no obligation comparison call

(01:54:51):
compass insurance paying too much your coverageat dozens of insurance companies find out now
three all three, seven to sevento one help. You'll think you're his
only customer when you choose Frank durandthe Real Estate Man dot com to list
your home with Remax Alliance three allthree nine two zero sixteen twenty two.

(01:55:16):
Hi Tom Martine, you're a troubleshooterat three three seven one three talk.
So Mike wanted to know about differentthings. Let's talk about relief factor first.
Okay, because this is more ofa non medical opinion, Mike,
Okay, I know that when peopleare in pain they turn to almost anything.

(01:55:38):
I swear to God they do.They turn to almost anything because pain
is a terrible thing. And Iknow because I lived a good part of
my life in it. Relief factoror any topical ointment of any kind,
will never ever ever do anything totouch arthri it is or problems. It

(01:56:00):
gives temporary relief. That's all itis. There's no cure for anything you
have. That's the problem I havewith the relief factor in other things where
they make it sound like a cure. It does give relief. Ben Gay
gives relief anything that goes into theskin and causes a warmth and an increase

(01:56:21):
in circulation. It does help feelbetter, but it doesn't really do anything
at all, permanent nothing. Itdoesn't change any structure. It has some
anti inflammatory properties, but mainly itis a distraction if you understand what I

(01:56:45):
mean by that. The menthols andthe things, and I'm not saying like
the turmeric or anything they put init won't do anti inflammatory stuff. It
will to a certain extent, butit's all temporary. And when people say
I've used it and now my lifehas changed one, I mean, that's
God bless them. But they don'thave truly bad pain in arthritis, if

(01:57:09):
that's what they're telling you, Imean, they just don't. Now.
It does work, though, itdoes give you some relief, and there's
plenty of over the counter stuff thatdoes that too. That's as far as
I don't know, Doc, howyou feel about the medical part of it,
but that's my experience with it.Yeah, I think that pain management
in general can be really complicated,and you you know, if you can

(01:57:33):
find out some root causes for thepain, if it's not purely a structural
problem like you know you torrir aclyear or nerve pinching and pain, right,
yeah, exactly. You know,figuring out if there's any root causes
I think is important. The compoundsthat you mentioned inside of relief factor,

(01:57:57):
we certainly use those, and theyhave anti inflammatory components. To them and
can be a tool. Yeah,I don't have any problem with that.
I can't vouch for a leief factor. I don't really know much about that
particular brand and how well tested itis, you know, if it's third
party tested. I think that's animportant thing always to consider in any supplement

(01:58:19):
that you get. And these canbe complicated questions, and talking with someone
who has a really good understanding ofsupplements I think is important as well.
Now, now have you tried relieffactor? Mike? Oh, you weren't

(01:58:40):
the one that called about relief factor? I thought, okay, there was
another guy. You must have hungup and he's listening. What what was
your You're you're the one about vitaminD? Right? Yeah, And I
kind of wanted shift gears. Iwant to what your gifts thinks of.
Maybe a big cause of diseases arefrom inflammation and from parasites. I E.

(01:59:05):
I don't know virus is bacteria?Well, I mean inflammation is the
number one. I mean inflammation isa systemic But go ahead, Doug.
Yeah, you know, at theroot of every chronic disease is an inflammatory
process. The question is what's drivingthe chronic diseases? And I think primarily

(01:59:30):
it is a lifestyle and a foodsystem that is so radically different from what
we had one hundred years ago thatthat's why we're seeing a lot of these
crime diseases. You know, anythingfrom the food supply to how we work
our sedentary lifestyles, you know,even potentially the technology that we're exposed to

(01:59:51):
your day all the time. Germsand bacteria, you know, viruses and
all that they've been with us forever, and they're going to continue to be
with us. And it's without animmune system we would be dead. And
so many people. I mean,I remember Facebook, I swear to God
during COVID, I didn't say anythingagainst anyone. Every All I said was

(02:00:15):
you will have a much better chanceof not getting it if you have a
strong immune system. And I wascensored by Facebook for that. We're saying
that for telling people they should boosttheir immune system. I swear to God.
False information, now, you know, I mean, we can joke
about it, but it's so ridiculous, you know. Immunity, I mean,

(02:00:36):
an immune system is a good thing. And I did everything that doctor
Grossman told me, and I hadcorset and I had my regimen with vitamin
D vitamin see just as I havenow. And I was literally people were
Deputy Doc one day, were sneezingon me at my house, sneezing on
me. I could feel a moisture. And he calls home that night and

(02:00:59):
calls it's, Oh, oh mygod, Tom, I'm sorry, I
have COVID. And I'm thinking,oh, okay, I'm going to get
it. Never got it, neverever got it. And I've been I
was. I was flying my helicopter. Another guy had COVID. He calls
me, Tom, I have COVID. I said, okay, I'm going
to probably get it. This time. I didn't get it. I'm not
saying I'm superman, but I justdid everything I could to enhance my immune

(02:01:20):
system, and I think it helped. I'm not saying it secure all,
but it helped. Mike, doyou do stuff for yourself? Well,
let me let me ask your gift. I mean. There was a nineteen
ninety nine Grama Gramma Cura of AmericanMedical Association study of like guid to Maria

(02:01:43):
ten thousand or thirty thousand participants thatsaid I showed a significant drop in cancers
and other diseases of the people thatwere taking selenium. You I don't know
about that study, but you know, yeah, selenium is certainly that was

(02:02:08):
one of the ones doctor Grossman recommendedas well. For sure, for sure.
You know, there was a morerecent study during the COVID days of
you know, people who had higheramounts of selenium in their soil, you
know, in a certain region ofthe world, and they had fewer you
know, incidences of COVID right andcoursitan. And the same for vitamin D.

(02:02:29):
I mean, they're ninety percent ofpeople who were hospitalized with COVID and
died had a vitamin D deficiency Iknow of them when you talked about Yet,
if you talked about taking vitamin Dto help boost yourself, you were
censored. I've never gone through atime like that in my life where talking,
you know, I wasn't. Iwasn't trying to harm uh Pfizer,

(02:02:53):
their their their glove child. Iwasn't trying to harm. Go with a
sure thing Denver's best roofer Excel roofing. You don't pay a cent until you're
content. Time for an insurance checkup free, no obligation. In comparison,
call Compass insurance paying too much yourcoverage at dozens of insurance companies.

(02:03:13):
Find out now three O three sevenseven to one help. You'll think you're
his only customer when you choose Frankdurand the real estate man dot com to
list your home with Remax Alliance threeoh three nine two zero sixteen twenty two.

(02:03:34):
Hi Tom Martine here, let's goto uh, Scott, Scott?
What is your issue? Scott?Welcome to the show. Yeah, yeah,
Tom, just's Scott again. Idropped right before though, Yeah,
what did you what did you need? Anything specific? I wanted to ask
that doctor, Yes, doctor Kell, do think what does he think of

(02:03:55):
a holistic going down to Mexico anddoing three weeks of treatment? I don't
even know what what is the treatmentthough, Scott. They do some kind
of pills and you spend three weeksdown there, and they take you up
all of the sugars and you nameit. Well, Scott, I don't

(02:04:17):
think he can comment on a specifictreatment, doc. I mean, but
but no matter what, getting offof your sugars is not going to be
a bad thing. Yeah. Yeah, and another thing I'm doing ex standy
and I'm just wondering what he thinksabout that. Yeah, I don't know
about that particular medication I can.I can certainly tell you that there are

(02:04:43):
a lot of studies, you know, showing that when you cut out sugar
you can help with cancer processes.I'm not saying sure or anything like that,
but you know ketogenic diets, cuttingsugar very drastically can help decrease the
growth of some chancers. Just becareful, Scott when it comes to searching

(02:05:08):
for treatment right now, because you'revulnerable, because you're looking for something,
and I just don't want to seeyou ripped off. In Mexico. I'm
not saying they will rip you off, but they don't have the controls that
we have here as far now.Sometimes we have too many controls. But
just be careful. Look, youcan do all of that healthy stuff for

(02:05:29):
yourself. And I'm not sure whatkind of pills they have or anything.
And unless you have solid references ofpeople that you actually know, I would
kind of be very cautious. John, John, it's all about blood flow
and lower lakes. What's going onthe way the arteries that's got claque built

(02:05:50):
up or what they call pad,the blood flow of the lower lakes going
some decaps down. Yeah, Yeah, it can happen. Doc. Yeah,
that's that's a difficult situation. Andusually, you know, when people
have peripheral arterial disease, they've alsogot it everywhere else. I mean,

(02:06:12):
that's just true. You know,if you've got plaque in your heart,
you've got some of it in yourlegs. But if it's in your legs,
it's usually pretty progressed. There arecertainly medications that can help improve blood
flow to the legs, and alsomedications that can help with cardiovascular disease.
You know, I would certainly bethinking about if you don't have one,

(02:06:36):
see a vascular specialist, a cardiologist. You know, we certainly help people
with cardiovascular disease in our practice.But it sounds like you've got a you
know, a fairly significant case.Yeah. I have a quick question.
Did anyone actually do an exam withany kind of imaging to see the plaque

(02:06:57):
in your legs or are you justsurmising you have that or concluding you have
They did, Okay, okay,okay, and at side. Yeah,
that's you know, I was justcurious they did They tell you, John
though, that it's most likely showingup elsewhere as well. No, well,

(02:07:24):
it's not going to be usually justin your extremity, Sir, you
might you might want to see agood listen, a good holistic clinic,
along with a cardiologist who knows whatthey're doing. There are some pretty advanced
cardiologists. We have some good onesright here in Colorado that can help you.
But but don't just treat the legsman. Yeah, I would be

(02:07:45):
if it were me, I wouldcertainly want to know, you know,
do I have coronary artery disease aswell? Right? So you know,
if if there hadn't been any kindof examination of your heart health, I
would I would encourage that at leastat least, you know, do some
things to rule it out. Yeah, all right, that's doctor Grossman.

(02:08:07):
I mean doctor Kelly with doctor Grossman, doctor and that's Grossmanwellness dot com three
oh three two three three forty twoforty seven. Hey Marshall, I saw
you there with your car issue.Hold on, please go with a sure
thing Denver's best roofer Excel roofing dotcom. You don't pay a cent until
you're content. Time for an insurancecheck up free no obligation comparison call Compass

(02:08:33):
insurance paying too much your coverage atdozens of insurance companies. Find out now
three oh three seven to seven toone help. You'll think you're his only
customer when you choose Frank durand thereal estate man dot com to list your
home with Remax Alliance three oh threenine two zero sixteen twenty two. Hey

(02:08:54):
Tom Martine here, let's I wantto talk to Donna real quick. She
has a question. Don go ahead, what is your question? Hi Tom,
Thanks for being there. When myson was a preteen, he fell
and broke his leg and of coursehad it set and they didn't think there
was any damage. Fast forward toadulthood and he starts developing vericose veins.

(02:09:22):
When he was forty, he hadhe had Kaiser insurance and he had a
blood clot. They stripped the vein, and they were supposed to take out
some big vein. I forget whatit's called. There is so much advancement
now in vain treatment for legs.Yeah, so, and anyway, Kaiser

(02:09:45):
didn't do it. So ten yearslater he has the same problem, the
same leg. So they take outthe vein that they were supposed to take
out and strip the vein. Whatdoes that do to the rest of the
veins in his body. Yeah,pretty much. I mean basically, when
you you know, when you takeout a vein, you have so much

(02:10:09):
collateral circulation depending I mean, yeah, you can't take out the most major
vein and expect nothing to happen.But you know, when you take out
these varicose veins, you have alot of collateral circulation. And you know,
your your body's really good at creatingnew blood vessels, you know,
over time. So I would hearthat and think really nothing of it.

(02:10:35):
Yeah, you want to get ridof those, You want to get rid
of those veins because they will causeproblems. Yeah. Yeah, Well,
and they got rid of this.I want to call it uanymous, but
that's not what the name of theof this big vein was that they finally
did get rid of. And Iimagine there's one in the other leg two.

(02:10:56):
They said that it was probably eitherthat probably this particular vein was knit
by the broken bone and that's originationof the injury. Yeah, yeah,
yeah, that sounds right. Well, I think though, you were doing
the right thing. And as hesaid, I mean people, people are

(02:11:16):
doing it all day long. Theydo it just for cosmetic reasons, for
goodness sakes for sure. Hey,Mike, what is your Do you have
a quick question? Mike, Yeah, I'm just one of your guest's opinion.
The number one death being cancer andthe number two being obesity, and
the number one cause of cancer beingobesity. I wonder what your guest thinks

(02:11:39):
of the potential future of the jail. Right. I'm sorry, we're out
of time, and I don't knowif we're buying the premise that the number
one cause of cancer is obesity.I'm not sure that, but anyway,
doctor Kelly, it can't be goodfor you, right, that's for sure.
Thank you for being here. Iappreciate it. Sorry, guys,
we got we're out of time.Remember save all your problems for me.