The Troubleshooter 9-10-25

Episode Transcript

Speaker 1 (00:00):
Yea ripped up. You need that so you don't have.

Speaker 2 (00:12):
Come running.

Speaker 3 (00:13):
Just as fast as we can.

Speaker 4 (00:16):
Shooter's gonna help me.

Speaker 5 (00:17):
Come, Ma Dix is the Troubleshooter Show. No Tom Martino.

Speaker 6 (00:24):
Hey, I'm Tom Martino and for forty five years, forty
six years now in Denver, telling you that I'm here
to help you, and I really am. A lot of
people call in though where I can't help them, but
I try, or we tell them what to do or
where to go. Uh huh tell you where to go anyway.

(00:46):
So welcome, and it's such a privilege to be here,
especially after my life battling battle with cancer and God,
I'm so thankful and filled with gratitude, and I still
get well wishes from my listeners, and I just want
to tell you that I really really appreciate it. That's it.

(01:08):
I just want to tell you that I really appreciate it,
and I love doing this show and I'll do it
as long as I possibly can. In any case, I
was declared cancer free and uh that's you know, that's
old news now, right. I want you to be able
to reach out to me at any time, So I
give a number that forwards to my cell phone. It
really does. I mean, I'm not kidding. So you can

(01:31):
text it and it'll come right to me. And that's
what I call my text line. Seven four seven nine
nine nine fifty two eighty seven four seven nine nine
nine fifty two eighty. Right now, Terry is on the line. Terry,
thank you for uh for calling us. We called you

(01:52):
back as promised. We do that to everyone who calls
three oh three Martino three oh three six two seven
eight four sixty six. What's going on? Hi, Terry, Hey,
good morning Tom. What's happening?

Speaker 7 (02:06):
My wife and I are interested in getting long term
care insurance? Yes, and just wanted to see Pitsler's any
pitfalls of that? Good good, good things, bad things? You
know what look out for?

Speaker 6 (02:20):
Long term care insurance has a lot of exceptions and exclusions.
When I tell you to look at exclusions, those are
the most important parts of an insurance policy. Let me
give you an example, Terry. To get long term care,
it has to be classified as long term care. Some

(02:41):
of them have waiting periods of six months, and that
can somebody can go broke during that time. Others have
shorter waiting periods. Also, what is considered long term care.
Some policies exclude emergencies, so if you if you slip
and fall and break a hip and need long term care,

(03:02):
it may not cover you. Others will cover it. So
the exceptions are the most important part. But I'm going
to do you a favor, Terry. One thing I love
about this show, and again, I encourage everyone who listens
to this show to shop around. But I also encourage
you to go to the referral list, and I'm going
to do that right now. Kachina, I want you to

(03:23):
call either John Junior or John Jones over at Integra.
I want to go over this. These are very important
questions and they are experts at health insurance, and I
believe they may not they may not deal with long
term care, but I believe they might have a contact.

(03:43):
But one thing I do want to tell you, and
again I'm not casting any disrespect on sponsors, but you
will hear people say that an annuity guarantees income and
no loss, which is true, but it has long term

(04:04):
care coverage. It does not. It has long term a
long term care rider. Let me explain this. If you
have an annuity, certain insurance companies will double the annuity
payment and they call it long term care coverage. It
is not. It does not cover long term care. It

(04:26):
simply triggers with long term care. So if you're getting
a payment of twelve hundred a month on your annuity,
it goes to twenty four hundred a month right now.
Long term care can run anywhere from six thousand to
fifteen thousand a month, just to give your perspective. So
I'm glad you have this question. I'd like you to

(04:49):
hang on and Kachina, did you hear me about John either, John,
let's get them on to start. I'm working on it,
and then anyone else you're welcome to. Uh, You're welcome
to chime in on long term care, especially those who
have used it, because it is a very important thing
these days. A lot of people are thinking about it now.

(05:12):
Long term care is not necessarily assisted living either. Sometimes
it is, but most of the time it has to
be a higher level like a nursing home that would
be considered long term care on some policies, but assisted
living would not. So you see, there are a lot

(05:33):
of caveats or warnings that you should be aware of.
So I'm going to get someone on to talk about it. Meanwhile,
I want to bring up Paul the waterman, who's with
us today, and there is something going on. First of all,
you know how I feel about health. Well, I think
you do. And again I'm not one to brag. I

(05:56):
was exercise, I exercise, walk, what I ate, did, supplementation,
did everything I could, still got cancer. Okay. So but
what I am saying is this is part of the
reason I fared so well, according to my doctors, is
that I was a healthy organism going into it. Now,
what's wrong with this picture? We eat right, we exercise,

(06:17):
we take supplements. Yet our water, and I'm going to
say this, and I mean this sincerely. Our water is
not safe to drink. Now. Does it mean it's going
to kill you immediately?

Speaker 8 (06:30):
No?

Speaker 6 (06:31):
But years ago water was much better, much cleaner. So
why is water from our municipal water systems getting worse? Why?
Why is that happening? Paul, give me a rundown, real quick.
I want a quick explanation. Why do water supplies not
keep up with normal health standards? Now again, I'm not

(06:55):
saying it's poison. Right, tap water is considered purified water.
Is it purified or not?

Speaker 9 (07:01):
No?

Speaker 10 (07:02):
They can't simply because of the volume of water they
have to provide.

Speaker 6 (07:05):
So what does that mean?

Speaker 10 (07:07):
So that means that you have an expectation of flow
rate to your home when you look right. Okay, so
the volume of water and the flow rate that they
that has to be provided. They do not have the
technology to filter it on demand.

Speaker 6 (07:21):
Couldn't they filter it and put it in holding tanks
and then give it on demand?

Speaker 10 (07:25):
But you're talking about millions and trillions of dollars of
long water updated.

Speaker 6 (07:29):
Our water systems are not set up right now correct
to give the level of purification we need. Why did
the level of purification rise? Why did the need for
this purification rise? It used to be a water plant
was a simple supply. They didn't have all of this purification.

Speaker 11 (07:48):
Have to be very candid with you. The EPA.

Speaker 10 (07:50):
He has a laundry list of unregulated containments. So that
means there's pharmaceuticals in the water that we know of,
but the EPA doesn't make the municipality test for them
them and then report them every year.

Speaker 6 (08:02):
But are there are there? Truly? This is where I
want to o'paul, And again, you're one of the few
in this business. I truly trust, and I'm not accusing
you of exaggerating, but I want to know this. Are
you saying if I take a glass of water not
the one that you supplied me, of course I have
reverse osmosis. But if I go to a normal tap

(08:22):
water in Denver or somewhere in the municipal area in
the metro area, and I take a glass of water,
will it have microscopic nanoparticles of of of prescription drug?
Come on?

Speaker 11 (08:37):
Correct? No, I'm serious, Tom.

Speaker 10 (08:39):
There's people in this industry right now that are building
one reservoirs that test the water that says that every
over the counter medication tests positive. In Nantucket they had
they tested for cocaine in the water supply. There's a
there's a carcinogen this in the water called one four
to accent. It's been in the water supply since the

(08:59):
eighteen nineties when water distribution started. And they still it's
an unregulated contaminant. They're not being truthful.

Speaker 6 (09:06):
So if it's unregulated, the EPA doesn't even show it.
That's right, And so what enough doesn't mean it's healthy
for you? Correct? Give me one of the biggest contaminants
that is not regulated that we may find in our
water cocaine.

Speaker 11 (09:21):
Come on the news story.

Speaker 10 (09:23):
Look at in Nantucket again at the out East. They
over the holiday weekend they tested for cocaine and the
water supplies.

Speaker 11 (09:30):
It was huge.

Speaker 10 (09:31):
That's a pharmaceutical. You have estrogen, you have hormones in
the water.

Speaker 6 (09:35):
Okay, okay, hold on because I want to ask you.
This is a big topic for me, because I believe
in clean water, like I believe as I said, supplements, eating,
healthy exercising. How the hell can we do all that
and disregard water. I want to ask you straight up,
and we're going to get this answer on long term
care coverage, but I want to ask you straight up

(09:57):
what does happen in a water plan at the municipal level,
and we're going to talk about that, I want to
know exactly what does happen. Is it simply diluted? Are
there actually big giant filters? What does chlorine do all
of this? I really want to ask because I don't know.
And again I have such a keen interest in my

(10:20):
health after this battle with cancer and what seems to
be a successful battle, that I'm really interested in knowing. Anyway,
Paul the water Man is with us We're also going
to find about find out about long term care. And
while we're on the topic of insurance, how about just
regular insurance. If you want an insurance checkup and compare

(10:42):
what you have with what's out there with an honest review,
it's Compass Insurance Group. The Free Insurance Checkup three h
three nine nine six nine thousand go with a sure
thing Denver's Best Roof for Excel Roofing dot com. You
don't pay a cent until you're content. Time for an

(11:07):
insurance checkup free no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies
find out Now three O three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey, I'm Tom Martino, your troubleshooter. Khome

(11:34):
Solutions Now has painting pros. You can depend on this
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We'll get you there. Cage Windows dot com. John Jones
Juniors with Integra Insurance one of our experts on health
and coverage, and John, I'm not sure and I forgot
if Integra Insurance covers long term care. Do you guys

(11:56):
offer long term care insurance?

Speaker 12 (11:58):
We do not direct.

Speaker 13 (12:00):
My dad's known another agent for decades that he's worked
with that that's what she does.

Speaker 12 (12:06):
She specialized in long term care. So we when we
get those.

Speaker 13 (12:10):
Requests or questions from our clients, we typically we will refer.

Speaker 12 (12:15):
Them to her.

Speaker 6 (12:17):
Now I recall having her on the show, and she's
very good. Maybe we should call her. But I want
to ask you some general questions. I said, the most
important part of long term care policy is the exclu
Are the exclusions the biggest parts the exclusions for example,

(12:37):
there some of them have waiting periods, don't they? Yes?

Speaker 12 (12:42):
My understanding is that's that's right, just sir.

Speaker 13 (12:44):
And so he's the details, right, it's a it's the
policy details that you really want to pay attention to.

Speaker 6 (12:51):
And some of them, for example, I know one time
we had one where a person fell and broke something
and it was considered an emergency, and it was included
that the long term care had to be more of
a natural onset.

Speaker 13 (13:06):
Sure, that's I mean that's understandable as well, because that's
typically for.

Speaker 12 (13:09):
Long term care. That's if you're not able to take.

Speaker 13 (13:15):
Care of yourself, right for chronic illness and disabilities, things.

Speaker 6 (13:18):
Like that, and sometimes emergencies can be excluded.

Speaker 13 (13:23):
I think, yeah, it would seem that to be the case.
And it's a disability though that it could be for
a longer term, right, you have a you have an
emergency circumstance that puts you that that knocks you out,
that causes a disability that then okay, through that eventually
you could be able to get the benefits of the policy.

(13:43):
But again, uh, yeah, that's a general answer because yeah, no, no,
I know.

Speaker 6 (13:49):
What you're saying. Hey, Terry, I want to tell Terry
Kachina to hang on, and what we'll do is get
John's expert h if he has or contact information, we'll
get her on. But John, while you're on, I actually
pulled up some texts that I have gotten. I squirrel
away texts and emails sometimes for when I have people,
and I'm glad I have you on because I wanted
to ask you something you know with Mike, and I

(14:12):
just want to thank you guys at Integra. Do you
know John that other than my deductible whatever the hell
it is, it's nothing. It's a few hundred bucks. I
have not paid a dime for my extensive cancer coverage.
I mean not a dime. I mean, you guys set
me up with the best. But whenever I talk about this,

(14:34):
I'm going to pull up some of these tests. Tom.
You always brag about your gold supplement. You say it's
the best. I want to get it. Okay, I want
to ask you something. What when it comes to supplements,
are my supplements still available? Because I remember you said
that some of them are going away? Can you explain

(14:57):
why I have such excellent coverage and how other people
who are looking for a Medicare supplement can enjoy the
same benefit.

Speaker 12 (15:06):
Sure, Well, first let's start.

Speaker 13 (15:07):
A Medicare supplement is standardized by the government, so you
have different supplements, and one thing they supplement original Medicare
Medicare A and B remains your primary coverage. And then
you have a supplement that supplements.

Speaker 8 (15:19):
Or fills in the gap.

Speaker 12 (15:20):
So listeners may.

Speaker 13 (15:22):
Hear that term medic gap insurance. That's the same thing
as a Medicare supplement plan and so it fills in
those gaps under original Medicare. So everything goes through Medicare
A and B. First, you have a Plan G, a Medicare.

Speaker 12 (15:36):
Supplement Plan G.

Speaker 13 (15:37):
There's a lot of companies out there that offer a
Medicare supplement Plan G, but the plane itself is the
exact same.

Speaker 6 (15:44):
Oh okay, so they're standardized. So if I have a G,
is there an A and A B and a C and.

Speaker 12 (15:52):
A D N HDG.

Speaker 13 (15:54):
Yeah, there's other Medicare supplements out there that exist that
fill in the gaps differently, that are designed differently. Currently,
the G is considered the Cadillac Plan. There is a
plan that still technically exists called the Plan F, but
you had to turn ade sixty five prior to January
first of twenty twenty to be able to buy a

(16:14):
Plan F. So it's gone away for anyone who has
turned sixty five after January first of twenty twenty.

Speaker 6 (16:22):
Okay, so let's talk about let's talk about supplements. Do
you think supplements have become mandatory? I don't mean mandatory
like you have to have it, but I mean important.
They're necessary. Let's put it down. Don't you think they're necessary?
What would I pay if I didn't have a supplement, roughly,

(16:45):
and I'm having I'm stacking up a million dollars in
medical bills. Seriously, if I didn't have a supplement, I
would be out of pocket hundreds of thousands of dollars.

Speaker 13 (16:56):
Technically, not necessarily, I mean, so everything go through Medicare
Parts A in Part B, you certainly would have a
lot more costs out of pocket. Right, Medicare PARTA and
Part B each have their own benefit structure, Like Medicare
Part A for hospitalization for your first sixty days in
the hospital lifetime. These are inpatient so you've been admitted
into the hospital, you have a one thousand, six hundred and.

Speaker 6 (17:17):
Seventy six and that's Part A, and there's no premium
for that, right.

Speaker 13 (17:21):
No premium for most people. There's no premium for PARTA.
For Part B, that's your out patient care, so lads,
physician services, durable medical equipment, those things.

Speaker 14 (17:32):
That is where you have that two hundred and fifty.

Speaker 12 (17:34):
Seven dollars deductible.

Speaker 13 (17:36):
And then if you only had Medicare A and B,
after your two hundred and fifty seven dollars deductible, Medicare
pays eighty percent you pay twenty percent. Okay, there's no
mac out of pocket on that twenty percent.

Speaker 6 (17:46):
Now I have a note here, and I don't mind
talking personal stuff. I have a note here that I
am paying for my Medicare B coverage. I'm paying I
didn't realize I was paying this much. Five hundred and
sixty bucks.

Speaker 13 (18:01):
Let's earn an income related MEDICA or monthly adjustment amount.
So that's based on income and they look back.

Speaker 6 (18:06):
So people will pay anywhere from a couple from one
hundred bucks to what six to seven hundred a month?
Or does it not go that hu?

Speaker 13 (18:14):
The base premium this year is one hundred and eighty
five dollars. And if you just I mean, you can
see an IRMA chart online.

Speaker 6 (18:21):
So okay, got it. So it's based on income. So
I'm paying five hundred and sixty a month. Then I
have listed here my super duper pooper Scooper, my super
super super well it be Medicare supplement. I'm paying one
hundred and eighty bucks a month. Now what I'm saying

(18:42):
is I so if you think about this, that supplement
has covered so much I can't believe it. Explain what
a supplement covers. And this is a Plan G. So
do all plan gs cost one hundred and eighty or
are they different for you?

Speaker 13 (19:01):
No, it depends on the carrier. So every carrier can
there's different premiums you have arrange typically for someone turning
age if you find it also depends on rating area
that you're in when you're buying the plan.

Speaker 12 (19:11):
And so that's why.

Speaker 6 (19:12):
Now, why would there be a rating area when it
comes to a supplement. Why I don't understand that it could.

Speaker 13 (19:18):
It's just some carriers their rating area will be it's
the entire state, but there are some carriers who they
have different rating areas. So the west, if you're on
the western slope, the plan could cost more that It.

Speaker 6 (19:30):
Just depends on Really that's weird, okay, okay.

Speaker 13 (19:33):
Utilization in those rating areas, it's okay, station and so.

Speaker 12 (19:38):
It's it's all about.

Speaker 6 (19:40):
Cost, all right, So you get what you pay for
with supplements? Would you say sure?

Speaker 13 (19:48):
I mean, and there's it doesn't mean that G is
necessarily the best, the right plan for everyone. But it's
like you said, it's a gold standard or a Cadillac plan.
It's the most apprehensively filled in the gaps of medicare.

Speaker 6 (20:02):
Now I mentioned what I'm paying for Part B, but
I don't really pay it. It comes out of my benefit.
But and that's with most people. Now, can you actually
decline Part B?

Speaker 13 (20:18):
I mean you could.

Speaker 12 (20:19):
Yeah.

Speaker 6 (20:20):
Now, I recall someone who called. I recall someone who
called the show one time, and I want you to
I want you to explain this. They decline Part B
because they wanted to get more in their monthly check.
And it went on like that for ten years. Then
all of a sudden, they got a catastrophic illness and
they wanted to go back on Part B and pay

(20:42):
for it, but they were told they could not do
that or it would be cost prohibitive.

Speaker 13 (20:48):
Explain, well, no, that's so, yeah, that's it. So there
is an enrollment window to re enroll in Medicare Part
B and then you're penalized though for all the months
you have Part B, and there's a calculator for that
that you can look at online to see, Okay, these
are all the months that I haven't had Medicare Part
B and this is what it would cost me.

Speaker 6 (21:05):
And so literally it can become cost prohibitive where if
you don't take it when you're eligible for it, then
it could be like, you know, not realistic. Is that
a good way to put it?

Speaker 13 (21:17):
Yes, sir, No, it's highly recommended that you do Medicare
Part AN Part B when you have the opportunity to
do so, whether you're in your initial enrollment period, whether
you're turning sixty five or I mean, I guess if
you're disabled Priority sixty five, you get automatically enrolled in AMB.

Speaker 6 (21:32):
So, now someone just texted me, does the supplement cover drugs?
And I don't think any supplements cover drugs, do they?
That's a separate plan.

Speaker 12 (21:43):
Think of it this way.

Speaker 13 (21:44):
Think of it as a supplement supplements Medicare, So it's
not covering anything extra additional than what Medicare A and B.
Medicare Part D is separate. That's prescription drug covered. So
if you need, now, if the drug is administered in
the hospital, then yet it's covering your Medicare or I
see it's your by your physician Part B. But if

(22:05):
if you know you're picking up prescriptions from from you know,
the pharmacy, then no, you need a Part D prescription
joy plan separate from.

Speaker 6 (22:12):
That, okay, And and that I believe I'm paying thirty
dollars a month. Does that sound right?

Speaker 12 (22:18):
It's possible. I'd have to look at yeah.

Speaker 6 (22:21):
Policy, So when I add up everything, and again it
part of it comes out of my benefit, so I
don't really feel it when I add up my premiums Now,
people might say this is outrageous, but it's not. It's
around seven hundred bucks for everything. But what would a
what would a comparable individual plan if someone is not

(22:42):
on Medicare would.

Speaker 13 (22:45):
There's not a comparable individual plan to a plan G
I mean, you're you're you're deductible. Is your part B
deductible for the year, which this year is two hundred
and fifty seven dollars? I mean that's your healthcare cops
for for hostitalization and outpatient care. Because recent's taking care
of one hundred percent with that.

Speaker 6 (23:01):
Wow, So tell me about this then, under private plans
for people who are you know, thirties, forties, fifties, I mean,
what we've heard a lot about these insurances going up,
up up. What would you say is the average premium
for let's say, a husband and wife with two kids,
a family of four.

Speaker 13 (23:22):
I mean just roughly, yeah, I mean, so it depends
on the agent certainly, But you're I mean twelve one
hundred dollars a month. Maybe, Oh wow, that's for a
bronze plan. That's if you don't qualify for tax credits,
if you don't qualify for subsidies, And there is going
to be I mean, certainly there's been a lot in

(23:42):
the news, and our state's been trying to do a
lot because of what original rate filings looked like. Right,
you're gonna have some significant rate increases for twenty twenty six.
We are well a factory. A tax credit is going
to really impact you. But it's looking potentially more in
the It was going to be twenty eight percent in
the Denver metro market to over you know, thirty percent

(24:03):
on the western slope.

Speaker 12 (24:03):
And now we're looking at closer.

Speaker 13 (24:05):
To because of what our state is doing to try
to implore these costs is pulling money from other places
and eniggling things. But you're looking at maybe eighteen to
twenty percent.

Speaker 6 (24:17):
Oh my gosh, my gosh, John John Jones Junior, I
appreciate I took way more than I told you I would,
but I wanted to get these texts out of the
way that I got. If anyone has any questions, so
we can always contact these guys. Integra I NTE g
r A Integra Insurance three oh three four six six
fifty five hundred. When does open enrollments start? By the way,

(24:39):
we may have already put them on hold. That's okay,
I'll get the dates for open enrollment on another time.
We've got more coming up on the troubleshooter show. Go
with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for

(25:01):
an insurance checkup free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three O three seven to seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hey Tom Martino here,

(25:25):
Paul the Waterman will get to but I want to
go to Scott, who has an issue with some windows.
Scott talked to me. What's going on?

Speaker 14 (25:34):
Oh?

Speaker 6 (25:34):
He fell off? Okay, anyway, here's the thing. When it
comes to big boxes, I'm going to make a note
of this. Anyway, Scott was calling about windows, and Scott,
if you want to call back, will take you. I'm
trying to get people on as soon as I can.
And when it comes to windows, you have the price,
the product, and the service. The product sometimes is excellent

(25:59):
but the serve is bad, or the service is great
and the product's bad. But remember those three elements with
almost everything. Price, product, service, and people sometimes don't want
to do business with the manufacturer if they just had
something installed. They say, wait a minute, don't tell me
to call the manufacturer. You just got finished installing these.
So here's what I recommend when it comes to appliances, windows,

(26:25):
anything at all, price, product, and service. I insist on
having the retailer who sold it to me. I insist
on having them take care of me if something happens
in the near future, rather than being slefed off to
the manufacturer. For example, if I buy a TV and
I'm having problems in the first month of ownership, I

(26:47):
expect the retailer to step up and not have me
go and deal with Samsung or RCA or something like that. Anyway,
that's just a side note. I want to go to Evan,
now who has an issue within a part And I've
been reading some emails here and Evan, I've never seen
a better written letter in my life. So I need

(27:07):
to ask you something. I want you to fess up.
Did you use AI artificial intelligence to write that letter?
I did? Uh huh, man, It's good, It really is good.
So you were doing a step by step a process
that I outlined on getting your apartment fixed based on

(27:30):
the warranty of habitability. So explain the situation from the beginning.
I don't need each in every detail, but at least
start and I'll ask you questions. Go ahead, Okay.

Speaker 14 (27:42):
So I moved in the first week of April April fourth,
and that first week I was there for the first
six days I didn't have a water heater, which is
kind of outlined in one of those emails.

Speaker 6 (27:55):
Now, remember, remember, though things that were fixed, you don't
get to pile on. You only get to talk about
what hasn't been fixed.

Speaker 14 (28:05):
Okay, understand.

Speaker 6 (28:08):
In other words, you're all I'm saying is you're wasting
your time if in your letter you outline what used
to be wrong. Okay, So what is what is the
warranty of habitability issue that is ongoing.

Speaker 14 (28:26):
So as of right now, I have a roof leak,
I have an exposed ceiling without insulation, and an exposed
sub floor.

Speaker 6 (28:36):
Now why do you have it? Why is all this exposed?
Because they exposed it to fix it and never got
around to it correct.

Speaker 14 (28:45):
So on May fifteenth, I had a fire suppression system
the sprinkler head start leaking, and it took them fifteen
days to get somebody out there to actually fix the issue.

Speaker 6 (28:57):
Okay, Evan, I want to remind you I think that
that's terrible, but it's not going to help you what
happened in the past. Right now, we need to deal
with the issues. And Evan, you're not alone by the
way people feel. Wait a minute, I got screwed here.

(29:18):
Look at this experience I've had from the beginning, and
I understand that part and I'm sympathetic to it. But
for the warranty of habitability, even if it took six
months to fix it, if it's fixed, they don't want
to hear about it. What I want to do is
I want a pinpoint right now exactly what's wrong. I

(29:39):
don't want to hear and I don't mean this personally
but for the warranty of habitability thing, let's talk about
getting these people to fix it. Okay, just hang on
and we'll do that. And I want to talk about
what still lingers because people listening right now might have
the same kind of issue and they want to know
what to do. They want to know exactly what to do.

(29:59):
So hang on and we'll talk to you. And then
we have a follow up with a yesterday call where
somebody was complaining about a general contractor. We contacted the
general contractor who says, wait a minute, these guys didn't
pay and now they're trying to get out of paying me,
and that's why they're bad mouthing me. So we'll talk

(30:19):
about that and more coming up on the Troubleshooter Show.
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,

(30:41):
call Compass Insurance paying too much your coverage at dozens
of insurance companies. Find out now three O three, seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom Martinez,

(31:02):
you're a troubleshooter. Three O three seven on three talks
seven on three eight two five five. So yesterday we
got a call from somebody who was complaining about a
major renovation. They said they paid three hundred and eighty
six thousand dollars to Jason Pardike's ben S Construction, and
he eventually said he couldn't finish the project. Only eighty

(31:25):
five percent of the job was completed and none of
the work had permits. And so then we called him
and he said, wait, there's way more to the story.
But meanwhile we have a call from a different person
now Peter, and Peter heard about this and has something

(31:46):
to say. Go ahead, Peter, morning, Tom, How are you good?
What's going on?

Speaker 12 (31:54):
Well?

Speaker 15 (31:55):
I represent a group of homeowners in the Todd Creek
Farms Homeowners Association who brought a lawsuit against their HOA
and a number of the board members.

Speaker 6 (32:07):
We read about that. We read about that yesterday, and
the reason I didn't bring it up is because I
didn't want to just start piling stuff on him, and
a lawsuit isn't necessarily proof of guilt, but it was
some pretty serious allegations, and since it is public record,
you're free to talk about it as long as it's
in the lawsuit. Are you suspecting that Jason Pardikes took money?

Speaker 15 (32:33):
Well, we believe that there was an undisclosed connection between
Jason Pardike's and Method Landscaping Company, which is a landscaping
company that the homeowners Association contracted with for services.

Speaker 12 (32:47):
We believe that he.

Speaker 15 (32:49):
Improperly benefited from that contract as well as BNS Construction.

Speaker 6 (32:54):
Okay, so how do you think he got kickbacks? Let's
just say it like it is from the land from
the landscaping company.

Speaker 15 (33:04):
Essentially, we think he is the landscaping company tom.

Speaker 6 (33:08):
Okay, but what would be wrong with that? I mean,
if you paid let's just say he did have an
undisclosed ownership, what's wrong with it? If the work is
being done and money's being paid for the work, that's
the part I don't understand what's wrong with it.

Speaker 8 (33:23):
So there's a few things.

Speaker 15 (33:24):
Well, first off, if you're on the board of a
corporation in this instance, it's a nonprofit corporation as all Hoys.

Speaker 1 (33:30):
And Colorado are.

Speaker 15 (33:32):
You cannot benefit from a contract that your company has
with another company.

Speaker 6 (33:38):
Okay, hold on, hold on, hold on, just hold on.
We'll come back to this. You actually can benefit. There's
no law against that, but I want to talk to
you about it. 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 checkups free, no obligation.

(34:01):
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three oh
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two.

Speaker 1 (34:24):
D News need advice so you don't have come run
in susas as we can.

Speaker 4 (34:35):
Shooter's gonna help Come Man.

Speaker 5 (34:39):
Six is the Troubleshooter Show.

Speaker 8 (34:41):
Now Tom Martino.

Speaker 6 (34:44):
I am Tom Martino, You're Troubleshooter. Welcome to the show.
We're here to help you, and you can call any time.
Twenty four to seven three oh three Martino three oh three, six,
two seven, eight, four sixty six past three oh three Martino.
If you leave your name will get to you can
be part of the show. We cover any and all
consumer problems. We try to get things fixed. We have

(35:06):
people who help us, retired executives, doctors, lawyers, accountants, professionals
to help. And one of the cases we take. We
take a lot of cases when it comes to renting
and people upset. And Evan had a lot of problems. Okay,
I'm not going to doubt that he had a lot

(35:26):
of problems, and the problems he had took a long
time to get fixed. But he believes he has a
violation of the Habitability Act. And let me explain how
that works. I'm going to really nutshell it though. In essence,
there are minimum standards of habitability set forth by municipalities

(35:50):
or the state, and if the landlord does not provide
these minimum standards, then you can warn the land about
it in a certain way. And if they don't correct
it still and it's a legit problem, not just nitpicking,
but a legit habitability standard problem covered by the law.

(36:14):
If they don't handle it, you're allowed to divert rent
money to fix it. You're not allowed to withhold rent
money just to withhold it or to penalize the landlord.
The money must go directly toward alleviating the problems. So
Evan said, he emailed me and said I have this issue,

(36:37):
and he wrote a really good letter and all of that,
and we're talking to him now. When I was talking
to him, though, he kept bringing up the past, all
the main problems. And I understand why he's trying to
show me that he had a big problem with this
landlord and this is not the first time. And I
understand that, but it doesn't really help when it comes

(37:00):
to the habitability standards. And Evan, I want to reference
this letter you wrote. And you wrote a letter to
the property management company and you said violation of habitability laws,
notice of uninhabitable conditions, okay, And you said, I'm writing
to notify you about conditions on apartment so and so

(37:26):
that's this address, okay, basically, And you said my unit
has been without a ceiling, has had exposed subflooring, and
has suffered an ongoing roof leak. All of those things
are happening right now. That's excellent, and so but the
part where a portion of the ceiling collapsed narrowly missing

(37:50):
my mother, creating a serious safety hazard. Again, I understand
what you're doing. You're saying, look, this is dangerous. It
could happen again, probably, so that's okay. But again these
issues have persisted without adequate resolution. All right. Then you
went on to talk about other things lack of waterproofing
and weather protection, and if that's true, that could be good.

(38:14):
And the roof leak is definitely something. And you talked
about other things like things that interfere with life, health
and safety, blah blah blah. So this letter is pretty good.
What kind of response did you get to this letter?

Speaker 16 (38:33):
So essentially, I was told they're basically looking for clarification
on some of my demands.

Speaker 6 (38:41):
And I don't blame them. And that's what I was
going to say to you. While this is a good
AI produced letter, it really doesn't get to the point.
And I think that although you do have some demands,
you contact me to discuss that's your plan. That's great.

(39:02):
You commenced repairs without delay and complete them, that's good.
Provide temporary relocation if necessary along with reimbursement, and then
wave in a bait rent for the period during which
the unit has been on the habitab. They don't have
to do that, and that's not going to happen. That's
not part of the law. But in any case, what

(39:23):
did they want clarification on?

Speaker 16 (39:28):
So in the point three of the demand where it
says provide temporary relocation if necessary, they're asking so are you.

Speaker 14 (39:38):
They're asking if I'm requesting this to take place now
or only if another water leak occurs when it rains.
In addition, requesting for expenses if you are displaced or
is this a separate request?

Speaker 16 (39:54):
And my thought process behind that is, you know, if
I have.

Speaker 14 (39:58):
To vacate the premises, then any and all expenses and
cured due to the vacation of the premises, whether that's
food or well.

Speaker 6 (40:07):
That's not true at all. That's not true at all.
If you'd have to eat anyway, they don't have to.
They don't have to pay for extra food. I mean,
people make the mistake of thinking that life is a
candy store, and it's not. If you are displaced, they
don't have to buy your food, no more than they
would have to buy your food where you're living. The

(40:29):
only expenses you would be entitled to if you were displaced.
Are extra expenses not normal expenses. They don't have to
buy your clothes, they don't have to feed you, they
don't have to do anything. What they do have to
do is provide suitable relocation premises for you to live in.
But you'd have to buy food anyway. So there. Listen,

(40:50):
look at man, if you want these things fixed, if
you want to know my honest to god opinion, what
I think, Evan is you actually went into too much
detail and they don't understand what you want. And I
understand why they're asking for clarification. So I would just
make it very simple. I want this, this, and this fixed.

(41:12):
It's untenable, it's uninhabitable with those things, and I want
you to provide a place for me to stay while
you're doing it. It's that simple. At least they responded
to you, which is pretty damn good. I mean, I
think I think you're going to get somewhere with this.

(41:32):
I do, I really do. And I think what's going
to happen is is they're going to respond. And they
know that you know the law because you cited it,
so their attorney would tell them listen, this guy can
use the rent money to do this if you don't,
so why don't you just cooperate with them and make

(41:55):
your demands much more simple. You're on the right track,
by the way. Way, I think you did a really
good job. I mean, I just think that it might
be a little overkilled. They don't understand what you're saying.
And I know that the AI did some of this,
but I would make it very simple for them to understand.
And right now, the way I understand it, you have

(42:18):
an exposed floor and ceiling and you have a right
to have it fixed, plus the ongoing roof leak you
want fixed. Totally agree, but I would make it more simple.
I would even talk to them, but just document everything
you talk about and send it to them after the conversation.

(42:40):
You don't get the impression that they're just stonewalling you,
do you or just I don't think they're delaying. I
think asking for clarification is a good thing. How long
have you lived there?

Speaker 14 (42:51):
I have been.

Speaker 16 (42:52):
I've lived there since April. So when they went in
where I was going before, when they went in to
fix the fire sprinkler, that's when the feeling came out
and the floor got exposed.

Speaker 6 (43:02):
Yeah, and then I.

Speaker 14 (43:04):
Notified them of the roof leak on June twenty fifth.

Speaker 16 (43:09):
And wow, danger to safety. I have on that, considering
it nearly missed my number or my mother, and I
excited that as well.

Speaker 6 (43:18):
Yeah, yeah, and citing stuff that like that. It is
relevant because what you're telling them and this is where
it's going to do. I hope you never use it,
but by saying it posed a danger, they can't plead ignorance.
If someone does get hurt and they know that, let's

(43:39):
say your mother does get hurt or you get hurt
after telling them this, it's gonna be hard for them
to say, well, we didn't know it was that dangerous.
So I think you're on the right track. I would
just simplify it and please stay in touch with us.
By the way, Deputy D has come in, and Deputy D,
we have Peter on the line and we're going to
go to him right after the break. He's with an

(44:00):
HOA who is suing, not with an HA with a
community and they're suing Jason Pardike's.

Speaker 8 (44:08):
Peter Peter Taki.

Speaker 6 (44:10):
Yeah, Peter, Peter, Peter, Peter, there's your Tawski.

Speaker 8 (44:13):
The attorney who's representing Peter.

Speaker 6 (44:15):
Are you an attorney, Yes, i am.

Speaker 15 (44:17):
I'm a partner at Robinson and Henry PC.

Speaker 6 (44:20):
Okay, if you're an attorney, why did you tell me that?
Did you say? Try to tell me there's some kind
of law that says he's not allowed to profit from
his relationship.

Speaker 15 (44:31):
CRS seven one eighth five oh one?

Speaker 6 (44:34):
What does it say transaction? Help me, help me understand?
What does that say that law?

Speaker 15 (44:40):
So section one of that law, I'm going to skip
ahead to the relations conflicting interest. Transaction means dot that
dot between the nonprofit corporation and an entity in which
a director of the nonprofit corporation is a director or
officer or has a financial interest.

Speaker 6 (44:59):
Okay, you're saying that any nonprofit organization that exists, they
cannot do business with anyone with a connection.

Speaker 15 (45:10):
What I'm saying is, if you're on the board of
that nonprofit, court right, and you make a contract with
another company that you have a financial interest in without
at least disclosing it.

Speaker 6 (45:21):
Oh, absolute, positively, I agree with you one hundred percent.
Are you telling me that he never disclosed any association.

Speaker 15 (45:29):
He openly and publicly denied having any wows and with
messive Landscape and Company repeatedly.

Speaker 6 (45:34):
Now listen, are you part of the by the way,
are you part of the community to do live there?
Or did they hire you? They hired me. That is
excellent because so many times we find it difficult to
find attorneys that will take cases like this. If you
would be so kind as to wait, I need to

(45:57):
take this break because this Jason Guide, he's accusing some
other people who complain about him of not paying And
what we can find in public record is this is
not Jason's first rodeo. It seems like he's involved in
a lot of lawsuits. So we'll talk about that coming up.
And I appreciate Peter you educating me on the situation.

(46:20):
You're saying he never disclosed a connection and you believe
he is the landscaping company. To me, that sounds like
a good case. We'll talk about that and more coming
up on the Troubleshooter Show. Go with a Sure Thing
Denver's Best rufer Excel roofing dot com. You don't pay

(46:41):
a cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass insurance paying too much
your coverage at dozens of insurance companies. Find out now
three O three seven to seven to one. Help. You'll
think you're his only customer when you choose Frank around
the real estate man dot com to list your home

(47:02):
with Remax Alliance three oh three nine two zero sixteen
twenty two. Tom Artino here, Welcome to the show. Peter
is an attorney and he is suing Jason Pardikes and
BNS Construction, and he's suing them because he believes that

(47:24):
Jason might have taken advantage of his association with the
HOA board. Jason is on the board and did not
disclose his connection with the landscaping company. Peter, can you
explain more of that, short.

Speaker 15 (47:41):
Tom, just to clarify. So we filed a motion to
amend the complaint to add Jason Pardike's, his wife Angela Pardikes,
BNS Construction LLC, and a number of others with some
additional claims that are beyond what was additionally alleged in
the lawsuits. So that amendment is pending because since then,

(48:05):
the HA actually filed for bankruptcy. Long story short, the
HA contracted with this landscaping company that had just been
created in March of twenty nineteen, and the homeowners were
concerned that the contract originally called for a payment of
some twenty six thousand dollars, and ultimately, over the course

(48:27):
of a year or more, Method Landscaping Company was paid
over two hundred thousand dollars by the homeowners association. This
obviously raised some eyebrows and some red flags, and people
started looking into whether there was a connection.

Speaker 6 (48:42):
There, Right, Peter, was any work done for that two
hundred thousand, like snow removal or anything, or was it
just payments made for nothing?

Speaker 15 (48:52):
Landscaping was done and there was trail restoration done. However,
we believed that over one hundred and fifty thousand dollars
went to Jason Pardyke and his wife, as well as
some number of thousands of dollars went to B and
S Construction as well directly from Method Landscaping Companies bank
account against.

Speaker 6 (49:10):
Now, are you aware of other legal hassles that Jason
is having, like, for example, the homeowner that called us,
they said they're out three hundred and eighty thousand dollars
and only part of the work was done. Are you
aware of other problems?

Speaker 15 (49:24):
I heard your segment yesterday, so I'm aware of that,
and I have seen that Jason has been involved in
other lawsuits, but I'm not aware of the details particularly.

Speaker 6 (49:33):
Okay, I want to ask Dmitri. Dmitri, what did you
find out about him?

Speaker 8 (49:37):
Peter?

Speaker 17 (49:38):
Yesterday I encountered a lawsuit that mister and missus Pardyke's
filed just in May against certain HOA members at Todd
Creek accusing them of, you know, besmirching their reputation and drive.

Speaker 6 (49:52):
Them other nine he has any connection to the landscape.

Speaker 17 (49:55):
Well, that's a separate lawsuit. It sounds like mister Pardykes,
I know, but he's.

Speaker 6 (49:59):
Suing them because he made the accusation he's associated.

Speaker 8 (50:03):
That's what it was to me.

Speaker 15 (50:06):
He suited six plaintiffs in the derivative lawsuit that I
represent them in for defamation, and actually they were all dismissed.
That defamation lawsuit was dismissed quite summarily because it was
absolutely baseless.

Speaker 6 (50:20):
Congratulations. It sound that that to me. It sounded like
he was he was angry and fought the lawsuits. So
where does the case go? Now? Where is the case
right now?

Speaker 15 (50:32):
So the derivative suit in the state court case has
actually stayed at the moment, because in July, as we
were getting very close, we were about to have a
hearing on a determination for whether or not the plaintiffs
could have access to method landscaping companies bank records. The
HOA actually filed for bankruptcy, so the case is in
the federal bankruptcy court right.

Speaker 6 (50:52):
Now, Okay, And then you talked to Jason. You talked
to Jason, right well, I.

Speaker 8 (51:00):
Didn't talk to him on the phone. He sent me
an email this morning.

Speaker 17 (51:04):
This is strictly regarding yesterday's call from the consumer who
alleges that he took three hundred and eighty thousand dollars
and walked off the job before it was finished. He
didn't address a couple of allegations, like didn't pull a
single permit, provided really low quality work, didn't finish the job.
He just said, Hey, this homeowner owes me money, so

(51:24):
that's why we walked off the job. I sent him
another email this morning asking for further comment on the
rest of the allegations, and so far I haven't received
a response from Jason Pardeggs Peter.

Speaker 6 (51:34):
I would ask this if any caller and I understand
the proprieties of the law, and he was supposed to
disclose stuff. But was work done for that amount? Or
are you alleging that it was puffed up or bloated
and these prices were out of touch with reality? In
other words, could they have hired another company to do

(51:57):
the same work for much less or are you just
saying he didn't disclose it? I mean, in other words,
how far does it go the money that was paid?

Speaker 15 (52:06):
I think the facts kind of speak for themselves. If
if Method Landscaping Company was paid over two hundred thousand dollars,
over two hundred and twenty thousand dollars, and then Jason
Pardyke's personally benefited because one hundred and fifty thousand dollars
plus was transferred to him, Yeah, then I would I
would say that the implication is clear that it should

(52:29):
have been done for less or at the very least.
You know, he profited where he shouldn't have.

Speaker 6 (52:35):
Okay, I understand. And now on the bankruptcy, was it
just this case or this landscaping contract or are there
other Does the HUA just have a bunch of problems financially?

Speaker 8 (52:51):
You know?

Speaker 15 (52:51):
It's it's interesting because I don't think the HA does
have other problems financially. They actually came out publicly and
said this is not a matter of financial mismanagement. This
is a tactic to end the state court litigation.

Speaker 8 (53:08):
Okay, Peter, I think so.

Speaker 17 (53:09):
I encountered several articles, one in the Denver Post and
another one one of the local TV stations that interviewed
mister Pardei's Pardikes, and he said that he, as the
president of the association, said that this litigation has cost
the association almost a million dollars so far, and he
blames this cost of litigation on the associations or for

(53:32):
the association's bankruptcy.

Speaker 8 (53:34):
Does that sound I.

Speaker 6 (53:35):
Believe they spent a million dollars.

Speaker 8 (53:36):
According to this.

Speaker 17 (53:37):
Article, mister Pardeis said it costs nine hundred and sixty
or nine hundred eighty thousand dollars at the time the
article was written for what.

Speaker 15 (53:44):
Laws often was it filed in twenty twenty three? This
is the derivative lawsuit. And I believe that that's true.
I mean, this has been going on for over two
years now, and they ultimately what this comes down to
is bank records, right if they and we were about
to have a hearing on whether or not the plaintiffs

(54:04):
were entitled to these bank records. They the HOA and
mister Paradike's representatives have done everything in their power to
avoid that possibility. And yes, I believe they probably have
spent close to that amount of money all to avoid
turning over bank records that would either vindicate or inculpate

(54:24):
Miss Pardykes.

Speaker 6 (54:25):
And so I guess I'm not clear. So Peter, who
do you represent? You don't represent the HOA.

Speaker 17 (54:31):
No, he represents the HWA members that are suing mister
and missus Pardyke and the association.

Speaker 8 (54:37):
Okay, And it sounds.

Speaker 17 (54:38):
Like what Peter said is the hi Way bankruptcy under
mister Pardykes's leadership.

Speaker 8 (54:46):
Prevent Peter and.

Speaker 17 (54:47):
The plaintiffs from accessing the bank records.

Speaker 6 (54:50):
So Jason and company are trying to keep discovery and
the lawsuit from progressing by filing for bankruptcy. And Peter
is representing individual and that's.

Speaker 17 (55:00):
An infuriating right, that's an infuriating tactic.

Speaker 15 (55:04):
That's correct.

Speaker 6 (55:05):
So I represent the poltics who were.

Speaker 15 (55:06):
Suing derivatively on behalf of the way, which means they
represent the interests of the HA, which a judge actually
ruled on that issue. Earlier in the litigation, the HA said, well,
most of the members of the HA don't believe in
this lawsuit, blah blah blah. And we had a hearing
and the emotions filed and the judge said, no, these
homeowners absolutely do represent the interests of.

Speaker 6 (55:28):
The hoa Oka, whether the others not.

Speaker 11 (55:30):
You realize it or not.

Speaker 6 (55:32):
Okay, So are you trying to get the the bankruptcy
discharged or dismissed? I mean dismissed is the proper word.
Discharge would mean it goes through. Are you trying to
show that the bankruptcy is not legit or what?

Speaker 5 (55:51):
So?

Speaker 15 (55:51):
We actually have another attorney that we're working with who
is representing the homeowners in the bankruptcy, and there has
been a motion to dismiss filed. But there's a lot
of procedural things that are happening at the moment.

Speaker 6 (56:02):
All right, well, thank you for all the information. Is
there anything else you want to add? I want to
make sure I get it out there.

Speaker 15 (56:09):
No, I think that's it, Tom.

Speaker 6 (56:10):
Thank you, all right, Thank you very much. Peter. He's
representing homeowners and the homeowners of Todd Creek Farms are
actually suing their own HOA and Jason Pardykes and his
wife for mismanagement of funds. That's it in a nutshell.

Speaker 17 (56:25):
Well, I would say, more accurately, not mismanagement. But what
they alley well is that the Pardike's have funneled, according
to Peter, between one hundred and one hundred and fifty
thousand dollars from this landscaping contract into their own pockets.

Speaker 6 (56:38):
And he's saying that Jason is trying to dismiss or
excuse me, trying to delay or get rid of the
litigation through this bankruptcy.

Speaker 17 (56:47):
Yeah, if I understood Peter correctly, the bankruptcy was simply
a strategic move to prevent Peter and his clients from
accessing the association's bank records. And tom My question for
mister for part ideas, Hey, if you're innocent and these
bank records will vindicate, you show the plaintiffs the bank records.

Speaker 8 (57:08):
So why diould he stand in the way.

Speaker 6 (57:09):
And then on the case of the construction, he claims
that he was perfectly willing to finish the job under
contract but was not paid.

Speaker 17 (57:20):
He Yeah, if I could summarize his email, it would
be Hey, the only thing that went wrong with the
job is the consumer who called you yesterday wasn't paying
my bills. So we warned him a bunch of times
we had to walk off the job, but he didn't
address the really the other primary concerns that our caller had,
which is, not only did our callers say that the

(57:41):
job was shoddily done, but even more troubling, we're not
a single permit right.

Speaker 6 (57:46):
So again we're trying to get a hold of Jason
Pardike's to find out more. But right now it doesn't
look good. I mean, you know, there are a lot
of allegations going on against this guy. We got more
coming up on the Troubleshooter Show. Go with a Sure

(58:06):
Thing Denver's Best Roofer Excel Roofing dot com. You don't
pay a cent until you're content. Time for an insurance
check up, free no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three oh three seven to seven to one help.
You'll think you're his only customer when you choose Frank

(58:28):
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two time, I'm Tom Archino, you're troubleshooter three
oh three seven one three talks seven one three, eight
two five five. By the way, a question comes up
a lot with warranty on habitability on rental credit. In

(58:53):
the past. You know the courts have looked at this,
and I'm not giving you legal advice, but normally, if
the condition of the apartment are such that they're a
pain in the ass, and they know it's security or something,
but you're still living there, and you're still getting the
benefit of a shelter, and you're not having to go
elsewhere to live, Normally, you don't get a rental credit

(59:16):
just because. Now, if a substantial part of the apartment
could not be used, or you had to go somewhere
to take showers, or you couldn't prepare food, you would
possibly be entitled to some kinds to some kind of credit.
And that's up to the law, excuse me, the common

(59:38):
law determined by the judge in that case. There are
no statutes that I know of, and certainly the habitability
statute does not directly address a rental credit. It only
addresses what to do if you have a problem. The
landlord is not addressing the problems first of all, has
to be a legit problem. Then it's a problem the

(01:00:01):
landlords are not addressing, and then you can apply rent
to the repairs. So many people just withhold rent and
they end up getting evicted, and rightly so, the law
does not allow you to just take matter into your
own hands and to hold the rent all right. So

(01:00:25):
another important thing, by the way, is we had a
call the other day on a dog being off leash
and another dog being off leash and they got into
a fight. Probably had a dog park, I'm not sure,
and one of the owners was pissed off and filed

(01:00:46):
a complaint on the owner and the owner now has
to face and she's going there to be just Dogan
said they had something similar happen and the other person,
a man in this case, filed a complaint against her
for a vicious dog, and then she filed the complaint

(01:01:09):
against that guy and therefore they were kind of like
canceled out, basically, is what she's saying. And she said
that this woman should not just go and defend herself,
but should also complain about the other dog. In a
situation where two dogs are off leash and they get

(01:01:29):
into fights. It's almost impossible for animal control to call
one the fault, you know, say it's the fault of
one dog, unless that dog has a history of problems.
And again that would be up to does the dog
have a criminal record or not, is what we're asking.

(01:01:51):
Three h three seven one three eight two five five.
I have Paul the waterman with me, and he used
my restroom and then he said, look what came out
of your sink. He said, if you go and look
at the aer rator on most sinks and taps, what
will you find, Paul, what will you find on those?

Speaker 10 (01:02:09):
You'll find particles. It's calcium carbonate to oxidized. If you
unscrew the air rator, yeah, you'll see whole bunch of
chunks and thick particles.

Speaker 6 (01:02:17):
Is not only when people have hard water, you see
that absolutely so, what is that? That's the that's the
hardness of the water. That those are the minerals.

Speaker 10 (01:02:24):
That's right, that's that's calcium and you're drinking that and
so water.

Speaker 11 (01:02:28):
Absolutely so. That can also add to the taste, into
the smell of the water.

Speaker 6 (01:02:32):
But is it unhealthy though?

Speaker 10 (01:02:35):
So here's the thing you're gonna have particles that can
attach to those. So I think personally water's unhealthy anyway
with based all the contamination plus the chlorination, but.

Speaker 6 (01:02:47):
The hardness itself, it.

Speaker 10 (01:02:51):
Can can create kidney stones, gallstones, and glaucoma. We do
not absorb minerals in water. Water is inorganic. The minerals
and water is in organic, so there's no in a
fit beneficial minerals and water.

Speaker 6 (01:03:02):
Now. I was also told that that that unhealthy water,
of course, can can build up over time. But how
so to really have the best water, you have to
do more than filtration. I recommend water filtration doesn't get
rid of the hardness.

Speaker 11 (01:03:19):
Correct and hard it's builds up on the filter.

Speaker 10 (01:03:21):
Does anybody out there have a frigerator been to somebody's
home where you see the frigerator in the water to
spencer and all the.

Speaker 6 (01:03:27):
Build up, Yes, yes, yeah, I have it.

Speaker 10 (01:03:29):
Okay, So that that's hard road water, and so that
filter isn't doing its job. The calcium has encompassed that filter,
and so now your filter isn't filtering.

Speaker 6 (01:03:37):
By the way I have, I had a hot water
valve on the tub and the water came out as
a trickle and the cold water came out fine, and
I thought, well, it can't be restricted because you know,
I get hot water all over the house. And the
plumber explained to me from fix at twenty four to seven.
He said, those there are cartridges in every in every

(01:04:00):
valve that you have on and off, there's a cartridge
and hot water. Hot water accumulates minerals faster than cold water.

Speaker 10 (01:04:09):
Why is that, Well, because it's oxidizing process, and it's
the hot water is a forty or fifty gali in
tank that's going to be allowed to build up.

Speaker 11 (01:04:19):
That's why total.

Speaker 6 (01:04:20):
Choens that the cartridge, the local cartridge can build up
with minerals. And so when you have a sink and
one of them is slow, it could be from that
cartridge being gunked up with minerals. And he said warm water,
warm water happening.

Speaker 11 (01:04:34):
Yeah.

Speaker 10 (01:04:34):
Warm water basically helps the oxidizing of the hardness. So
hardness is a liquid and as it oxidizes, it converts
to the scale.

Speaker 6 (01:04:43):
And then that's what guns up your pipes and stuff.

Speaker 11 (01:04:45):
Correct?

Speaker 6 (01:04:46):
Can it also cause somebody wants to know on a
text they have a pin they keep getting pinhole leaks
in their pipes. Now that can't be caused by the water.

Speaker 10 (01:04:55):
And that's electrolysis. So they have but so you know,
we'd being more and handpy come out to a water
test form.

Speaker 6 (01:05:00):
But that's what does that mean?

Speaker 10 (01:05:02):
That means that here in Colorado you can have acidic
water and the electrolysis basically eats to the pipes from
the inside out.

Speaker 6 (01:05:11):
Really, Yeah, if you go to the rice the sonder.

Speaker 10 (01:05:15):
Right, absolutely correct. Due an inspection on those copper pipes.
If you see discoloration, you see green or or sometimes black,
greasy bumps, that's exactly what's happening.

Speaker 6 (01:05:27):
And can that be prevented.

Speaker 11 (01:05:28):
It can absolutely be prevented.

Speaker 6 (01:05:30):
Yes, okay, So in any case, So that's the case
with that particular one. If you see any discoloration, I've
seen houses before where you see the still discoloration and
that's literally from from the water or water. Right.

Speaker 10 (01:05:45):
So in some cases like Monument in Black Forest area,
the water is naturally aggressive and corrosive. In other cases
you can have an older homework. Remember we used to
have phone lines. Yeah, okay, and those phone lines are
pretty much all gone. So normally what they were doing
and solid Jack is that they would go to the
clearest copper pipe and attack you know.

Speaker 6 (01:06:04):
The ground the ground room. Okay, that's how they ground
the wire.

Speaker 10 (01:06:07):
So you could have in theory an electric current. If
that outside phone lane is no longer maintained properly, it
could send an electric current to that pipe that is
creating the electrolysis.

Speaker 6 (01:06:20):
Now I understand you know, you know, like a water
tank for example, hot water tank can actually set up
a current from the water to the tank. Yes, and
that current so it becomes like a battery. There's many
voltage being generated and it eats a way at the tank.
That's it.

Speaker 11 (01:06:37):
And so you could have that same scenario.

Speaker 6 (01:06:38):
And that's from the minerals in the water well.

Speaker 10 (01:06:40):
And then what can happen too is aggressive water can
be really common and we fix it by adding a neutralizer.
But that's why Colorado water quality is a mixed bagging up.

Speaker 6 (01:06:50):
All right, I gotta go, I gotta take a break up. Sorry,
we got more coming right up. You 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 comparison call Compass insurance paying

(01:07:14):
too much your coverage at dozens of insurance companies find
out Now three O three seven to seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino, you know I have

(01:07:36):
been looking at the iPhone seventeen and wondering what is different.
They seem to come out with different iPhones and some
of them have bigger advances than others. But while looking
into it, I was also looking at carriers. I have
AT and T, and I have spotty coverage in certain areas,

(01:07:59):
and I started looking into carriers. You're not gonna believe
what I found. This is unbelievable to me. AT and
T has the worst coverage and the worst consistency in
an independent survey. And wait till I tell you who
has the best. I didn't even know they had their

(01:08:20):
own network. But I'm going to talk about the speed score,
the coverage, the five G availability coming up. Plus we're
talking water. If you have any questions on water systems.
Three oh three seven one three eight two five five
Go with a sure thing Denver's best roofer Excel Roofing

(01:08:41):
dot com. You don't pay a cent until you're content.
Wait time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot

(01:09:02):
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 1 (01:09:13):
Ripped up News. Need advice who you don't.

Speaker 18 (01:09:18):
Have to.

Speaker 1 (01:09:20):
Come run into just as fast.

Speaker 4 (01:09:22):
As we can show Shooter's gonna help coming Man.

Speaker 5 (01:09:27):
Dix is the Troubleshooter Show.

Speaker 6 (01:09:30):
Now Tom Martinez, Hello, I'm Tom Martino. Welcome to the show,
the only show that talks about everyday aches and pains,
the things that make you tick, the things that tick
you off. By the way, Safeways closing ten stores in
Colorado form the Denver metro area. A lot of people
think Safeways in trouble and will be gone. That's not

(01:09:53):
great news. Of course, they weren't allowed to merge with
Albertson's for some reason, and Kroger is definitely le the
big boy on the block. But anyway, Safeway is closing
ten stores and other consumer news. Did you ever wonder
who has the best coverage? Well, as far as coverage,
it's really weird with coverage. Verizon has the best coverage,

(01:10:18):
followed by AT and T with the actual network, followed
by T Mobile, But in every other matrix, T Mobile
kicks ass. And I don't know why, but it does.
T Mobile, for example, for speed, is way faster than Verizon,
and AT and T way faster when it comes to

(01:10:40):
five G availability, even though the others have bigger networks
as far as five G again, T Mobile, you know,
I never really consider T Mobile, but it's really making
good marks and independent testing. In coverage, it falls behind,

(01:11:02):
but the other ones. The only reason the other ones
have better coverage is they don't do just five G.
They do other coverage as well, whereas T Mobile basically
put everything they have into five G. That's why I
have the fastest network and they have the best five
G availability. So somebody said that they beg to differ

(01:11:25):
with me and that it is the iPhone seventeen has
a lot of improvements. Again, I probably get a new
phone about every three upgrades because I think they make
such small upgrades to get you to buy now. We
had questions on long term care insurance. Okay, long term

(01:11:48):
care insurance has some people said, you forgot to mention
what is the definition of needing long term care to
where the coverage kicks in. Most policies say that you
have to be deficient in certain acts. For example, you

(01:12:14):
can't perform two of the six long term care requirements
for example bathing, dressing, eating, toileting, transferring, and continence. If
you fail in two of those areas, like you can't
bathe or dress yourself, that would be considered that that

(01:12:37):
would be considered enough to qualify for long term care.
Or if you are not eating by yourself and you're incontinent.
So any two of the six ADLs, and that's what
they call it ADL. And so here's what it is
the adult. The activities of daily living ADLs are how

(01:12:59):
they judge you for long term care. So bathing, dressing, eating,
going to the toilet. I don't know what transferring means.
I think it means from the couch to a chair
to the car to the house whatever, and then continence
is another one. So if you have cognitive impairment like

(01:13:22):
Alzheimer's or dementia, dementia that is also qualifying for long
term care. Long term care should cover the nursing home,
rumin board or skilled care. Some of them cover assisted living,
others only cover part of assisted living like maybe meals

(01:13:47):
and medication reminders and certain personal help in home care
can be provided by long term care in some cases
for personal aids, visiting nurses, and occupational things therapists. Adult
daycare is sometimes covered by long term care, hospice care
is sometimes covered, and then home modifications can actually be

(01:14:12):
covered by long term care. So what you really need
to do is really get someone who's an expert at this. Kelly,
we were going to get someone on about this because
I've had a few calls on it. Yes, is she
not available?

Speaker 19 (01:14:27):
We talked to John Jones Junior and he gave me
her name is Rona unsaul Unsell. Sorry, I left a
message for her and she hasn't contacting me back yet.

Speaker 6 (01:14:43):
Okay, Now, most long term policies, long term care policies
exclude care that is provided by family members. So if
you think you're going to hire your son or daughter
to take care of you and pay them out of
long ter care, that's not going to work. They have
to be licensed caregivers care outside of approved facilities, So

(01:15:08):
there's only a list. There's only approved facilities that will pay,
and it must be on their list, and some long
term care policies might have a bigger list than others,
so keep that in mind. It must be an approved
facility and home care must be by licensed caregivers. Also,
they don't cover experimental treatments or non medical care or

(01:15:32):
supplements or things like that. And nothing is covered for
drug and alcohol abuse or self inflicted injuries, so keep
that in mind for long term care. Three oh three
seven one three talk seven one three eight two five five.
I have Jim who has a question for water pros. Jim,

(01:15:54):
go ahead, Welcome to the show. I'm Tom Martinez. What's
going on? Jim?

Speaker 10 (01:15:58):
Thank you.

Speaker 18 (01:16:00):
I'm getting ready to drill a water well in northern Wisconsin,
and I know both of my neighbors have had problems
with iron.

Speaker 12 (01:16:10):
One of them had a problem with.

Speaker 18 (01:16:11):
Sulfur and filthy sand in the well, and I'm wondering
what Paul would recommend as far as filtration.

Speaker 6 (01:16:20):
I wanted to ask in general it used to be,
and then I'll ask specifically for you, Paul. It used
to be that well water was considered good water, right,
I mean, because it doesn't come from the city, it's
not contaminated. But that's not necessarily So it depends on
where you get your well, where the well draws from, right, correct,

(01:16:42):
And you know.

Speaker 10 (01:16:42):
He's back in the Midwest where there's you know, limestone
is is huge, and so it's faires iron.

Speaker 6 (01:16:50):
Iron is very so, so what would you do to
condition or treat water coming from a well well? You
need it.

Speaker 10 (01:16:57):
In his situation, you need a dual tank water softener
because my dual tank well, the tanks alternate, but it
takes clean water from one tank to backwash the other tank.

Speaker 11 (01:17:07):
Okay, a single tank system.

Speaker 10 (01:17:09):
Wouldn't work if you got iron and you're using a
single tank water softener. That irons can to oxidize during
the backwashing process, and so Resin removes the iron before
it oxidizes. It's called ferris iron. So resin loves it.
And then you need to have a source of clean water,
you know, to rense and get rid of the iron.

Speaker 6 (01:17:27):
So basically, I want to put this in real easy terms.
If you have iron in your water, it's not like
particles of iron, it's just iron.

Speaker 11 (01:17:36):
It's iron.

Speaker 10 (01:17:37):
It's clear water iron that once air comes in contacts
with it turns color and gets orange.

Speaker 11 (01:17:42):
So I did a YouTube video on it.

Speaker 10 (01:17:45):
There's an old technology out there, over fifty years old
where it's a non electric unit and it can't you know,
it just it doesn't handle bad water today. Iron Once
iron oxidizes, it falls exposure to air exactly.

Speaker 6 (01:18:00):
That's it. So once he takes it out of the well,
it's oxidized.

Speaker 10 (01:18:04):
Right, So anytime you take a glass of water and
let it sit, that iron's going to precipitate out of
the water and set on the bottom of the glass normally.

Speaker 6 (01:18:13):
So if you drink it, is it harmful?

Speaker 10 (01:18:14):
If it's not harmful, though, it depends on how hi
the iron content. My great grandmother went to her house
as a kid. The water tasted like a rusty eels.
It's clear, but it tastes.

Speaker 6 (01:18:25):
Like, well, have you tasted the water where you're going
to be putting a well?

Speaker 18 (01:18:31):
Jim My neighbors drink it all the time.

Speaker 6 (01:18:35):
And do they condition it or do they just drink it?
In addition to iron, what else is it?

Speaker 18 (01:18:40):
Filter?

Speaker 6 (01:18:40):
It's all is sulfur harmful in the water.

Speaker 10 (01:18:44):
Sulfur, high high sulfates can be harmful, absolutely correct.

Speaker 11 (01:18:47):
So you want to you know, first thing you want
to do is do the water test.

Speaker 10 (01:18:50):
And high iron content can confuse and smell like sulfur
that's rotten eggs. Sulfur usually can be H two s
gas sulfur gas sulfur by health is black and you
know those particles that we pulled out of your aer rator.
Sulfur builds up inside an aerator and creates a smell.
But I think most what he's dealing with, I'm gonna
you know, because I lived in Illinois, is high iron content.

(01:19:13):
High iron content builds up in the pipe, and we'll
give you that sulfur smell.

Speaker 6 (01:19:17):
And to get rid of high iron content, you would
have a dual tank system.

Speaker 11 (01:19:21):
I would recommend a dual tank system.

Speaker 6 (01:19:23):
Actually, so it flushes you.

Speaker 10 (01:19:25):
You clean the water with water, exactly, you clean you
clean the media with clean water.

Speaker 6 (01:19:31):
Okay, So in other words, the water goes through the media,
the filter media. Then you backwash the filter media with
clean water. Okay, got it? So so you go ahead.

Speaker 18 (01:19:43):
What if the dual tank water softener is not a
preferred option, is there another type of filter that would.

Speaker 11 (01:19:53):
Unfortunately a great question.

Speaker 6 (01:19:55):
You just changed the filter media instead of backwashing it
was too expensive.

Speaker 11 (01:19:59):
No, no great questions. One, you got to be careful.

Speaker 10 (01:20:01):
Remember well pumps aren't designed to pump against resistance number one.
Number two, any kind of inline filter will slow the
water flow right down and iron oxidize build up inside
that filter housing. So if you you know, there's there's
media out there, but the problem is is that most
of that media is really heavy and it doesn't lift
during backwashing. You and what's the water production going to be?

(01:20:24):
How many games permitted?

Speaker 6 (01:20:26):
Your flow rate could be very very low when you
try to push it through a filter.

Speaker 10 (01:20:31):
Exactly, or it's your flow rate from the wells two
role that it won't support. There's iron filter media out there, sir,
but you need to have a minimum of nine gallons
per minute.

Speaker 6 (01:20:41):
To backwash that. Most care filters will not let nine
gallons per minute go.

Speaker 11 (01:20:47):
Well that and also most wells out there.

Speaker 10 (01:20:49):
It all depends, you know, in your pump size you
know won't produce nine galls per minuted either.

Speaker 6 (01:20:54):
I often wondered why more wells don't do holding tanks
where you can draw from well.

Speaker 10 (01:20:59):
You could, but then again, all that iron oxidize inside
that holding tank and it's going to be a messy.
You know the situation to try to filter it? You
better to get the iron out of solution first?

Speaker 6 (01:21:09):
What are these caused? These dual tank systems to take
to basically soften well water?

Speaker 11 (01:21:14):
But forty five hundred bucks, Jim, are.

Speaker 6 (01:21:17):
You do you have any professionals out there that have
given you opinions on your water?

Speaker 10 (01:21:23):
Well?

Speaker 18 (01:21:24):
There is the neighbor did install a filter system, and
there's there's a company up here that does that kind
of thing.

Speaker 6 (01:21:33):
Does Is it a filter system where you change? Is
it a filter system where you change the filter or
where the filters backwashed and reused.

Speaker 18 (01:21:42):
You changed the filter?

Speaker 6 (01:21:44):
How often do they have to change?

Speaker 12 (01:21:48):
I honestly don't know.

Speaker 18 (01:21:50):
The problem I have with the dual tank water softener
is this is a part time home and in the winter.

Speaker 10 (01:21:58):
Okay, so there's no eat, no no, so so so
here's your situation. Then the best thing you could do
is it is try a carbon filter.

Speaker 11 (01:22:12):
But carbon will absorb iron.

Speaker 10 (01:22:14):
Bet that carbon can you know, expire quickly. So, but
if he doesn't live there, if he doesn't live there,
so then what you're going to want to do then
is that, you know, get a water test, see what
the iron measures in part per million, and then you
could put a carbon filter in. But just realize that
you're going to have to change change it quite often.

Speaker 6 (01:22:34):
And that's what do you mean by quite often?

Speaker 10 (01:22:36):
Well so iron, So carbon basically is a sponge quite often.

Speaker 6 (01:22:40):
Can be every science but every three months, okay wherever
you live there, or.

Speaker 10 (01:22:45):
Every month based upon how highlight yeah, how high iron content.

Speaker 6 (01:22:49):
Is, okay, how much of those filters?

Speaker 11 (01:22:50):
Well, you can put a filter.

Speaker 10 (01:22:52):
Housing in, you know, for one hundred and fifty two
hundred bucks. But that on the side. Note that's what
I was saying, Tom. Once those filters plug up, you know,
then your well pump is pumping against resistance and you.

Speaker 6 (01:23:02):
Could you could burn out your pump. You We have
more coming up. I'm troubleshooter, Tom Martino three O three
seven one three eight two five five Go with a
sure thing Denvers best roofer, Excel roofing dot com. You
don't pay a cent until you're content, Please time for

(01:23:23):
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martine here,

(01:23:50):
Welcome to the show. Three O three seven to one
three talks seven to one three A two five five.
So I'll bet you you think grimitten fasting is good
for you.

Speaker 17 (01:24:02):
You think so, Deputy d Absolutely, After about fourteen hours,
you enter utophogy, which is one of the healthiest states experience.

Speaker 6 (01:24:09):
The first large scale study of its kind raises serious
red flags about intermitt and fasting. It was a study
done with nineteen thousand adults. It found that those who
confine their eating to less than eight hours a day
faced a one hundred and thirty five percent higher risk

(01:24:32):
of dying from cardiovascular disease. Here's what they say, confine
your eating to twelve hours, not to eight hours. Eight hours.
They say for some reason has an elevated cardiovascular risk,
which means, based on a person's health, lifestyle, and medical data,

(01:24:53):
they have more of a chance of developing heart related problems.
Or now again, I didn't do the study. They say
there is a benefit to intermittent fasting the right way.
What I don't understand is how can it make that
much difference if you can fine you're eating to eight hours,

(01:25:14):
or you can fine you're eating to twelve hours. That
part I don't understand. Why is it that when they
the people who confine they're eating to a lesser time
of day, and you're saying that should have more benefits, right.

Speaker 17 (01:25:27):
Oh, absolutely, The benefits really don't start until you don't
eat for fourteen hours, and then they just get greater
and greater.

Speaker 6 (01:25:34):
And that's okay.

Speaker 8 (01:25:36):
So if you can find you're eating to twelve hours, where.

Speaker 6 (01:25:39):
Are you're getting the data this research was done? Let
me see who is intermittent fasting has become a trend
in here? It was.

Speaker 8 (01:25:47):
Anyway, I'm sponsored by General Foods.

Speaker 6 (01:25:49):
No, No, not really, because it's not touting a food,
it's saying research suggests extending the overnight fast man improved metabolism.
A cell your repair and prolonged life. However, that if
you wait too long, the magic bullet goes away and
it actually for example, intermittent fasting compresses eating into a

(01:26:12):
short window. If the window's too short, they say that
it will have cardiovascular risks, don't I don't know.

Speaker 8 (01:26:20):
First time I heard that, I mean, I would love
to take ahead.

Speaker 6 (01:26:22):
It was conducted. I'm trying to find that it was okay,
it was an epidemiology study at a university in China,
at at a university school. Well, what do you mean,
O like like you automatically discount it because it's in China.

Speaker 17 (01:26:38):
Well, I'm certainly, yeah, I'm not likely to put a
lot of weight on a Chinese study.

Speaker 6 (01:26:43):
The unexpected. Why I know, I'm serious. Why would you
say that, I'm well.

Speaker 17 (01:26:47):
I'm not accustomed to you know, I'm not accustomed to
this huge wave of scientific and medical advances coming out
of China.

Speaker 11 (01:26:54):
Could it be the volume?

Speaker 10 (01:26:55):
Could it be the volume of food that you're eating
in eight hours and so your heart, you know, your
heart works hard during digestive process, and so maybe that
could be it. You know, it's also I heard the
intermittent fasting is is better.

Speaker 11 (01:27:11):
So when you're sleeping.

Speaker 10 (01:27:12):
You know, there's no your heart can rest instead of
you know, digesting food in your sleeping.

Speaker 6 (01:27:17):
Now listen to this one, okay. The Journal of American Medicine,
the Internal Medicine JAMMA that stands for Journal American Medicalists,
the Journal of American Medical Association. Again, I don't put
a lot of weight on AMA, because you know, they
found that participants had negative effects with intermittent fasting as well. Again,

(01:27:44):
another study indicated that intermittent fasting may produce side effects
like dehydration headaches. They're saying there's a right way to
do it and the wrong way to do it. In
this new study, they say that that basically you spread
your eating out to twelve hours instead of eight, and
that you hydrate properly and do not let your electrolytes

(01:28:09):
get lower. So they're not saying that intermint and fasting
is bad. They're just saying to extend it to twelve hours,
hydrate and electrolytes.

Speaker 8 (01:28:19):
I mean, well, that part I totally agree with.

Speaker 17 (01:28:21):
I mean, it's it's good to do things properly in
hydration and an electrolyte replacement is critically important.

Speaker 6 (01:28:27):
I always heard that once a day, so once a
day eating would be really confining.

Speaker 17 (01:28:31):
Your Yeah, it's called a mad one meal a day,
and that's tremendously popular.

Speaker 6 (01:28:36):
It's supposed to be very healthy according to that.

Speaker 17 (01:28:39):
I've done three day fasts where I literally didn't eat
a drop of food for three days, and Tom, I've
never felt like I had more energy. No, I need
more in the in day three I can do. I
can do square root computations in my head. It's incredible
what happens.

Speaker 6 (01:28:57):
Now talking about I just want to let's talk to Julia. Julia,
go ahead. I'm sorry, I didn't know you were on
the line. Go ahead, Julia.

Speaker 3 (01:29:05):
Oh that's okay. Hello, Hi, I'm not quite sure what
to say.

Speaker 6 (01:29:14):
I didn't know that I mean, oh, I'm sorry, okay, Julia,
we're just well, we're discussing all kinds of stuff, and
you wanted to know about plumbing. What did you want
to know about?

Speaker 14 (01:29:25):
Oh?

Speaker 1 (01:29:26):
Yes, so I have a friend of mine.

Speaker 2 (01:29:30):
You have helped her be born.

Speaker 3 (01:29:31):
And she gave me your information.

Speaker 8 (01:29:34):
Because, yeah, my boyfriend has been looking for an apprenticeship
and plumbing.

Speaker 2 (01:29:40):
So I thought that i'd reach out to see if
it's okay.

Speaker 6 (01:29:44):
You know, Julian, I will tell you this. I will
tell you this seriously. That is probably one of the
most lucrative professions somebody can go into. Right now. There's
a shortage of plumbers, electricians, hvac text and they love
apprentices apprenticeships because the people get paid, but they don't

(01:30:06):
get paid as much as someone experience, but they learn
on the job. Julia, does your boyfriend have any experience whatsoever?

Speaker 7 (01:30:15):
He does have, So he's he's done landscaping and he
has so much construction.

Speaker 6 (01:30:22):
But why is he Why is he looking into plumbing?

Speaker 13 (01:30:26):
Well, he has done some plumbing stuff.

Speaker 14 (01:30:31):
I'm not sure exactly what.

Speaker 16 (01:30:32):
He was okay to mean, but okay, because.

Speaker 6 (01:30:35):
Like you said, it is lucrative, it's a good he
wants to make.

Speaker 7 (01:30:38):
It his career.

Speaker 6 (01:30:40):
Okay. Now, Paul the waterman, they happen to be master
plumbers over at waterpros dot net. Now, Paul, first and foremost,
what does that mean? Can anyone start out as an
apprentice in plumbing? In other words, does it mean a
license to learn? Is there a license? What is involved?

Speaker 9 (01:30:58):
So?

Speaker 10 (01:30:58):
First of all, then they they register at Dora and
then the company that hires them.

Speaker 6 (01:31:04):
That by the way, Dora, you register with the Department
of Regulatory even as an apprentice.

Speaker 10 (01:31:09):
Absolutely correct, because then then once you start and you're
working with a qualified plumber, master plumber, then your hours
can your hours start accumulating.

Speaker 6 (01:31:20):
But so so he would have to Julia, he would
have to register first so his hours count, and then
he would get a job as an assistant.

Speaker 10 (01:31:29):
So then what he does is he goes to Dora,
spends I think it's fifteen bucks, He registers, he gets
a number, a French number, and then he finds, you know,
a company that he wants to work with.

Speaker 11 (01:31:41):
He feels like, yeah, this is where I best learn
and grow.

Speaker 10 (01:31:44):
And then he gets attached to their license, their plumbing
contractors and the count toward his total experience Exactly does
he have to take a test eventually?

Speaker 11 (01:31:54):
Eventually?

Speaker 6 (01:31:55):
How many levels are there? Is it just from apprentice
to a master or an apprentice.

Speaker 11 (01:32:00):
Journeyman, journeyman?

Speaker 10 (01:32:01):
You had a plumber, you know, residential plumber, journeyman and
then master plumber.

Speaker 6 (01:32:06):
So but he doesn't have to You don't have to
be a master plumber to work as a plumber, right, No,
you don't have to, but you always have to work
under a master plumber. Correct, unless you are a master.

Speaker 11 (01:32:16):
Correct.

Speaker 6 (01:32:17):
Now how many plumbers actually are master plumbers?

Speaker 10 (01:32:21):
I don't know, Tom, You know, every you all the
pens if you do residential work, like for example.

Speaker 6 (01:32:26):
You don't need to be a master to do residential work.

Speaker 11 (01:32:29):
Well, technically you have to be supervised.

Speaker 10 (01:32:32):
By you work for a company that has a master plumber, right,
and then that master plumber then you know, works as
supervises those plumbers. So you know, for example, bigger companies
you know, could have two or three master plumbers based
upon the total number of technicians right going on.

Speaker 11 (01:32:48):
The job site. So now you know, the laws are
continually to change. So now you can be you.

Speaker 10 (01:32:54):
Know, a plumber's apprentice who's been trained and you can
go do it on your own.

Speaker 11 (01:32:58):
On your own, you can do a resident on to job.

Speaker 6 (01:33:00):
As technically they're overseen and and by the way, oversight
doesn't mean they're on the job with you, correct, It
just means that they're there for advice.

Speaker 10 (01:33:10):
So normally in her situation, that this young man would
basically be trained and go with the regular plumber until.

Speaker 11 (01:33:17):
You know, they felt that he's qualified enough to you know,
to be on his own. So he's not. You know,
you're not gonna throw anybody out.

Speaker 6 (01:33:23):
There, right, So, so apprentices can actually do jobs on
their own.

Speaker 10 (01:33:27):
Yes, and in my field they can, but they have
to be properly trained. And before it never used to
be that way, but now they're allowing them to do
basic water you know, water softening cells or verse osmosis.

Speaker 11 (01:33:39):
That something that can be done.

Speaker 6 (01:33:40):
Now, do you hire apprentices? Yes, okay, so, Julia, he
has to go and register with Dora Department of Regulatory
Agencies and then give paula give Paul a call over
at water Pros and if he wants to do more
heavy duty plumbing because water Prosy they do a certain
amount of plumbing, but they don't do service plumbing, so

(01:34:02):
I don't. Yeah.

Speaker 10 (01:34:03):
So what we do is basically anything in the field
that's related to residential you know, water treatment, water filtration.

Speaker 6 (01:34:08):
Absolutely correct, Okay, but he can now so so Paul
the waterman three oh three eight six two five five
five four, or you can call plumb Line Services or
fix It or any one of these service companies. I'll
bet you they would jump at the chance to have
someone who's an apprentice. So if he has any specific questions.

(01:34:30):
Have him call me. We got more coming up. Terry's
next on the Troubleshooter Show, Go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check

(01:34:50):
up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three oh three seven seven to one. Help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Okay, Hi, I'm Tom Martino. You're a troubleshooter. Listen.

(01:35:17):
You know a leading indicator of financial problems is often
home sales. And wait to you hear what we found
out about home sales. I'm going to talk to Terry first, though, Terry,
go ahead. What's a leading indicator, by the way, means
things to come, as opposed to a lagging indicator, which
is after things have come. Terry, what is your comment

(01:35:41):
on diets? Go ahead? Terry?

Speaker 2 (01:35:44):
Yes, Hey, Terry from Alaska. You're pell that calls in
every once in a while. A heah, yes on that study.
I'm a real living proof with a lot of others
here in alab I'm in healthcare and I end up
having seventy conclusion in one of my artery is the
window maker, and I get checked yearly and it was
after the vaccine that the next year that I had that.

(01:36:06):
So what I did instead of take going on staaten,
I did the Omad diet and carnivore carborkeito for a year.
In less than a year, I reversed it because of
the scale of holy crap.

Speaker 6 (01:36:18):
So, Terry, you actually had a blockage that you could
track over a year that went away.

Speaker 2 (01:36:27):
Not just it went from high. It went from high
in one year's time. I have all the proof with
no statin, using natal kine, vitamin D, just regular nutrition
and exercise and reversed it down to low to low
in eight months.

Speaker 6 (01:36:44):
Yep, Tom, Terry didn't just seven block Did you guys know?
When I talked about intermittent fascinating, I'm quoting a study.
I'm not advocating it. It's clear it's ze basically that
the smaller amount of time in your fast the worse
it is, and the optimum seems to be twelve hours
for your fasting. But go ahead, what were you going

(01:37:06):
to say?

Speaker 17 (01:37:07):
The key part of what Terry said it wasn't just blockage,
it was the widow maker blockage and he resolved it,
which is like one hundred percent fatal. And Terry resolved
it through one meal a day and keto and ketogenetic guieting.

Speaker 6 (01:37:22):
On one meal a day. What did you have on
that one meal?

Speaker 2 (01:37:26):
Typically I would have everything was organic. It was grabsped beef, butter,
and I just really clean, you know, and just water
cut out everything notes, sugar, anything like that. Right, And
then I started to introduce organic fruit.

Speaker 16 (01:37:40):
No paths aside.

Speaker 2 (01:37:41):
I'm telling that's a big difference. And then I entered
into some vegetables. But and I say that way, that's
just my life. I feel great fifty years old, and Tom,
I'm telling you it works. It's no pharmaceutical drugs whatsoever.

Speaker 6 (01:37:55):
Well, you know, prior to this, the cancer I had. Now,
during cancer, I had to eat like weirdness because of
my surgery and all that. But I was on one
meal a day for years and years and years, I mean,
and I was very healthy. My blood chemistry was wonderful.
And I was a big believer in one meal a day.
And my one meal was about four o'clock and it

(01:38:17):
wasn't too late, and I loved it. I never got hungry,
and I would have protein and very little low carb
and I had high good fat. But again, and by
the way, I didn't mention that because I think it
caused health problems. It didn't. They said that I was very,
very healthy, and cancer is just one of those things.

(01:38:40):
But again, my diet had to change a little with
chemo and all that crap. But I'm going back to
the way I lived before. I mean, it served me
well for many, many many years.

Speaker 8 (01:38:52):
It may have saved your life.

Speaker 6 (01:38:53):
One meal a day is all I is all I remember.
I mean again, I loved beef. Now wasn't so selective
on where I got my beef, like grass fed or organic.
I think meat gets a bad name.

Speaker 8 (01:39:08):
I really do, undeservedly.

Speaker 17 (01:39:10):
So I mean, beef and beef fat are the two
healthiest things you can possibly consume.

Speaker 6 (01:39:15):
Wow, So, Terry, I'm really happy you reverse that. How
are you doing now? You didn't need stints or anything.
Stints or anything.

Speaker 2 (01:39:25):
It didn't need stand that I get my laps done regularly.
Just to end with this is I feel great. My
lost thirty pounds and check this outcome my test off
from natural levels being on this meat and this omad,
I have a seven hundred score naturally.

Speaker 6 (01:39:41):
Wow.

Speaker 2 (01:39:41):
And I had it yeah because it was much. It
was like three hundred when I was going through all
the problems. Holy crap, blood pressure. My blood pressure went
from one seventy over ninety. I'm now at one twenty
two over seventy seven.

Speaker 17 (01:39:53):
I'm telling you congratulations, great congratulation, and say hello.

Speaker 6 (01:39:59):
To all my asking buddies. I have quite a contingency
in Alaska. By the way, more right after this, go
with a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for

(01:40:19):
an insurance check up free no obligation comparison call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three O three, seven to seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three three nine
two zero sixteen twenty two. Hello Tom Martino here, Welcome

(01:40:46):
to the show. Robert's got a question on dieting. Go ahead, Robert,
what is your question? Are you there, Robert, let's say
you about it? Yes, go ahead?

Speaker 11 (01:40:56):
Are you there?

Speaker 6 (01:40:57):
Yes, sir?

Speaker 9 (01:40:58):
Yeah, So I recently, uh got diagnosed with COPD and
upon that's all. I'm doing a lot better, stop smoking
and all that stuff for about two months now. But
during the time in the hospital they gave me some
uh uh steroids and that like shot my sugar way up.
And so I yes, the steroids anymore, but my sugar
is still kind of uncontrollable to just say, and uh

(01:41:21):
and uh, I just can't seem to get it under control.
And I used to do fasting before, maybe not on
a medical term or what well, what are you?

Speaker 6 (01:41:28):
What are you eating on a regular basis? You say
your sugars are out of control? And how often? What's that?

Speaker 9 (01:41:35):
I eat four times? I eat four times a day,
but small meals.

Speaker 6 (01:41:39):
But what are but what food are you consuming?

Speaker 9 (01:41:42):
Well, like you know, like sandwiches and stuff. I mean,
I work, I'm at the construction work, so it's kind
of hard to eat.

Speaker 14 (01:41:49):
You know, a lot of different varieties, but I.

Speaker 9 (01:41:53):
Just and that was all I wondered. I've been wondering
about fast I mean it's because one doctor will tell
you fast it is good, and some most I will
tell you no.

Speaker 6 (01:42:01):
Well, I don't know if most of them say no,
you know fasting. I'm telling you more the most Okay,
most people agree that I read that fasting is good
for you. Okay, it's good for you. It triggers your
repair and maintenance mode in your body, and it keeps

(01:42:22):
you in what's called a famine set. People who trick
their metabolism into repair and maintenance fare better with disease
and with problems. And I think you know, if your
blood sugars are out of control, okay, there's a reason
for it. I mean, it's not magic. It's not like

(01:42:43):
sugar is secretly It's not like sugar is secretly entering
your body. The only way your sugars are going to
be out of control is what you're eating. And so
some people are hold on to sugar more and and
they have less of a pancreas some have moreends on
your endocratic, your your endo. What do I want to say,

(01:43:05):
the endosystem, the hormones and stuff. So all I'm saying
is this, you ought to look into a very low carb,
low sugar diet and increase your fats and protein. Again,
I'm not a doctor, but I'm saying, Robert, your sugars
are coming. This is the message. Your sugars are coming

(01:43:28):
from somewhere, and I meant to say endercinologists. By the way,
we got more coming up on the Troubleshooter Show. Go
with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
an insurance checkup free no obligation comparison call Compass Insurance

(01:43:50):
paying too much your coverage at dozens of insurance companies
find out now three O three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 1 (01:44:06):
Yeah, rit.

Speaker 6 (01:44:13):
Mad News.

Speaker 1 (01:44:14):
You need advice so you don't have.

Speaker 4 (01:44:18):
Come run in Just as fast as we can show
Shooter's gonna help coming.

Speaker 5 (01:44:25):
Man Dix is the Troubleshooter Show Now, Tom Martino.

Speaker 6 (01:44:32):
Hey, I'm Tom Martino. Welcome to the show. Three O
three seven one three talk seven one three eight two
five five. So what is happening in your life? There
is a violence going on in the news. Charlie Kirk
was shot. He's a conservative. Would you call him an activist?

(01:44:53):
What would you call him? Anyway, he was shot and uh,
it's uh, we don't know his condition. And he was
at a college rally in Utah, and all we know
is he was shot. If you read CNN, all it

(01:45:14):
says is a Trump supporter was shot. And if you
read Fox, it has a bunch of details. So I
guess CNN is hoping that it's downplayed, especially if it
turns out to be a liberal person who shot him.
It's amazing to me how politics are in everything. I

(01:45:36):
swear to God, it's unbelievable to me, unbelievable. I want
to talk about long term care insurance. We've been talking
about that on the show a bit, and I want
to get to that. What is long term care insurance?
And I think again a lot of people misunderstand long

(01:45:57):
term care. For example, you will hear people say that
annuities have long term care coverage and they don't bother
buying coverage because they think their annuity will cover them.
And I'm here to tell you straight up, it is
not long term care at all. Okay, So here's the

(01:46:19):
deal with an annuity. What happens is what they're calling
long term care is not long term care. What it
is is the monthly benefit or the monthly income is doubled.
That's what they're calling long term care. Now, many annuities

(01:46:41):
only pay twelve fifteen hundred two thousand dollars a month.
By doubling that payment, you're not covering your long term care.
It has a long term care rider which doubles the payment.
It is not long term care coverage, not by a
long shot. I want to bring up an expert, rona Unsell,

(01:47:06):
and she is a long term care specialist and sells
long term care insurance. Have you heard people who sell
annuities say that it has long term care coverage? Have
you heard that?

Speaker 3 (01:47:22):
Well, there are new products now. Now this is not
the annuities that you buy for income, or the ones
you buy for income that have like you said, where
they'll double if you need long term care. There are
special annuities for long term care. Where they'll triple your money.
They can only be used for long term care within

(01:47:46):
one hundred thousand. They could have three hundred thousand for
long term care and put maybe an inflation protection writer
on it. So it is it has to be triggered
by the same you know two of six as not
be able to perform two of the six activities of
daily living or have a severe cognitive impairment. That's the

(01:48:08):
only way you can trigger that money. Unless you pass away,
you get your money back. But that is a long
term care annuity specifically, it's not fun.

Speaker 6 (01:48:18):
Now what do you like? Do you like what? What's better?
A long term care annuity or long term care insurance.

Speaker 3 (01:48:25):
There are three types of long term care insurance in
the market now, the traditional which has been around since
the late seventies, that's we call it, Use it or
lose it. And there are the life hybrid plans. You
have to have better health to have the life hybrid plans.
You're basically getting too.

Speaker 10 (01:48:44):
What is that designed for.

Speaker 3 (01:48:45):
Long term care? So it has a life insurance and
a long term care component. If you pass away and
never use it, it pays out the life insurance part.
But again it's designed for long term care. So it's
going to leverage your premiums for long term care. And
then there are these newer annuities. These annuities really are

(01:49:09):
better for people once they hit age seventy, they're more
lenient in health underwriting. And by that point in someone's life,
they typically maybe they have some additional money that's sitting
around and they have one hundred thousand in an account
that they think, well, I'll use that for long term care. Well,
that won't get you very far. But if they put

(01:49:30):
it in the annuity day one, they'd have three hundred thousand.

Speaker 6 (01:49:34):
Does that make it okay? Here's what I Yeah, Now,
I know what you're saying. With a traditional long term
care policy, what does it pay out? What does it
pay out?

Speaker 3 (01:49:45):
It's going to pay out whatever you choose. All long
term care plans are totally customized. That's what I've been
in this business for twenty four years. So I help
people customize a plan that's right for them, one that
they can afford, that meets their needs as far as
care goes.

Speaker 6 (01:50:03):
And with traditional long term care, With traditional the one
that you buy an insurance policy, is that a use
it or lose it?

Speaker 14 (01:50:12):
Yes, it is.

Speaker 3 (01:50:13):
Yes, you can purchase anywhere from fifteen hundred to fifteen
thousand monthly benefit amount, and then you can put some
inflation retection on it. It's very cost defective. But you
pay premiums your entire life, except when you're receiving benefits,
all premiums stop.

Speaker 6 (01:50:34):
And I imagine, as with any plan, the older you get,
the more expensive it is because everyone would just buy
it at age sixty nine or seventy, right, I mean,
is there a limit to the age, So how old
do you have to be to.

Speaker 3 (01:50:49):
Buy on traditional seventy nine? I can sell people annuities
up to eighty nine.

Speaker 6 (01:51:00):
They're okay, so old, okay, So a traditional long term
care policy you can sell. But I imagine it would be
very expensive if somebody buys it at seventy five years old.

Speaker 3 (01:51:13):
For goodness sakes, yes, and females are going to be
more expensive than males. About ten years ago they realized,
the agencies realized that women use so much more long
term care than men because we live longer. So they
you know, they just we did have unisex pricing. Now
it is gender based, okay.

Speaker 6 (01:51:35):
And it's based on actuarials. So with a traditional long
term care policy, the insurance company is betting you're never
going to use it. You're either going to die or
you're not going to be you're not going to need
long term care. Obviously, that's how they keep the premiums
at a certain price. So what's the optimum age to
buy long term care? If you buy it too or early,

(01:51:56):
you pay too long. If you buy it too late,
you pay too much.

Speaker 3 (01:52:00):
Well, and again that's where these different types of plans.
A younger person could buy a life insurance hybrid plan
and it becomes an investment. It's growing, and it's also
has the life insurance component. Ideally, I mean the time
reached fifty fifty is a good place to start looking
at it, early fifties unless you have a lot of

(01:52:22):
disposable income. I have people who've bought policies in their
late forties, but they you know, they made a lot
of money. So its on your own financial situation. But
health wise, okay, people by the time I've heard advisors say,
who really didn't know much about long term care? Way
till you're sixty five to purchase it. By the time

(01:52:44):
people reach age sixty five, thirty eight percent of them
are uninsurable. Sure, I mean there is christ what.

Speaker 6 (01:52:52):
Makes someone uninsurable for long term care?

Speaker 3 (01:52:56):
If they've had a if they have a cognitive impairment,
if they've been dietnosed with Parkinson's MS, if they've been
diabetic more than twenty years. I have to you know,
I have to go to a specialty type coverage there
what other things would be? If they've had more than
three joints replaced. So it's you know, on the chronic

(01:53:20):
conditions on.

Speaker 6 (01:53:21):
The open market, on the open market. As far as
actuarial tables go, do most people not use long term
care if they buy it? In other words, is it
is it? Is it usually that they don't get to
use it.

Speaker 3 (01:53:37):
No, by the time you reach age sixty five, there's
a seventy five percent chance you will need long term
care in your lifetime lifetime.

Speaker 6 (01:53:45):
Now, can long term care be specified? For example, can
long term care cover you at home?

Speaker 3 (01:53:53):
Yes? The new policies, all the policies I've mentioned, cover
you in any setting. So that's home care, assisted living,
at daycare, hostice, memory care, skill facility, anywhere you need care.
What long term care does is it extends Medicare and
it extends your health insurance to cover a situation that's

(01:54:16):
going to last, a recovery or maybe a permanent situation
that's going to last more than ninety days, because it's okay.
Oftentimes gets into what's called custodial care, where you need
to help with your activities of daily living, or maybe
you're having to just rest and heal and see if
you do, you know, recover, No health insurance and Medicare

(01:54:40):
will not cover.

Speaker 6 (01:54:40):
That, okay, So Medicare stops. Then when does Medicare coverage stop?
When it comes to long term care ninety days.

Speaker 3 (01:54:49):
Care, the way Medicare is currently written, if you have
three nights in the hospital first, and you're in a
recovery situation, you know you're you're needing to recuperate, they
will cover the first twenty days one hundred percent. Day
twenty one through one hundred. They're going to check you

(01:55:10):
regularly to see if you plateau, you know, if you
fall into that custodial care category, and that's when they
stop paying. Potentially they could only cover one hundred.

Speaker 6 (01:55:19):
Days, okay, and then after that you're out of luck.
If you don't have long term care, you absolutely are.

Speaker 3 (01:55:27):
It's expensive. I saw my mother nine years in a
skilled facility, go through waver a million dollars every penny
she had.

Speaker 6 (01:55:35):
Oh my god, dementia.

Speaker 3 (01:55:37):
Yeah, so it's it can be devastating. I mean long
term care is it's the greatest uninsured threat to people's
retirement savings and their lifestyle and they don't even know it.
I used to do long term care.

Speaker 6 (01:55:52):
So you think everyone, you think everyone should have some
kind of long term care.

Speaker 3 (01:55:57):
Yeah, but I mean it needs to be customized to them,
you know, something that they can afford, something that covers
care in their situation. And someone says, I just want
to cover home healthcare, you know, you write a policy
that for that amount, it's a lesser amount that if
you're trying to cover some skills, you know, some skilled coverage.

Speaker 6 (01:56:18):
Also, I would think it would be more if someone
wants to stay at home. If so, you're saying it's
easier to get coverage to stay at home.

Speaker 3 (01:56:27):
I'm saying coverage that I'm saying the cost of home
care is less than skill facility.

Speaker 6 (01:56:34):
Right, But wouldn't there be cases where they say you
should be in a facility, We're not going to cover
you at home.

Speaker 3 (01:56:44):
No, No, they don't make that choice. When it comes
time for Okay, the person's doctor says Mary needs long
term care, the.

Speaker 14 (01:56:53):
Doctor will okay.

Speaker 6 (01:56:55):
So but if the doctor says, if the doctor says,
if the doctor says, you can stay at home and
get care, can the company say, wait a minute, this
would be way better if she was in a facility.
In other words, what I'm trying to figure out is this,
what would prevent everyone from everyone would want to be
at home. Why wouldn't they, and so what's to perform?

Speaker 3 (01:57:19):
That's exactly right. Okay, we all want to stay at
home and it's our choice.

Speaker 6 (01:57:23):
No, but I would think I would think that a company,
if a company did not have to cover you in
a facility, but they did have to cover you at home.
Knowing insurance companies, they would try to do everything they
can to disqualify you from staying at home.

Speaker 3 (01:57:40):
No, they can't do that. Once you have that policy, okay,
it is your right to use it any way that
you want to. Okay, your doctor perfect just qualifies you
that you can't perform to the six activities of daily living,
or you have a severe cognitive impairment.

Speaker 6 (01:57:56):
Right, hang on, we.

Speaker 3 (01:57:57):
Got some usure setting.

Speaker 6 (01:58:00):
I have questions coming in already on my text If
somebody wants to text me, it's seven four seven nine
nine nine fifty two eighty. We have more coming right up.
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