Episode Transcript
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Speaker 1 (00:00):
This is handle on the law, marginal legal advice. Today's
show is a little bit different. I am getting a
lot of questions, both the legal issues and just opinions
which I never give and I generally don't hear or
want to hear the kind of questions that we're getting.
And it has to do with the recent fires that
are going on in southern California and just so many issues,
(00:25):
legal issues that are going to come out of this,
and I'll stick a little bit to the legal part
of it. What actually happened is so devastating. I know
several people who lost their homes. And there was a
senior management person I was talking to a few days
ago about the fires here in southern California. He was
in New York when nine to eleven hit. Nine to eleven,
(00:46):
of course, was one of the big stories of the
last one hundred years. You can only compare it to
the assassination of JFK. Pearl Harbor a few in terms
of news going back to the Nation of Abraham Lincoln.
It was on that level. Now, it was an international story.
It became a very national story, and it was a
(01:07):
local story. Nine to eleven was a local story for
people in New York. It hit home on a very
personal level. That didn't hear. I mean, we watched it.
We were horrified, we were devastated. How many people knew
people that were there in the towers? I didn't and
(01:30):
most people didn't in New York. Keep in mind, three
thousand people were killed. A lot of New Yorkers knew
those people. So my friend, now senior management, Chris, had said,
this is LA's nine to eleven, and that hit home,
and it really is. So I am taking phone calls
(01:51):
dealing with the aftermath of the fire, legal issues and
also what's going on. We've had some interesting, one little
offbeat ones I normally wouldn't answer, saying, oh, come on,
that's not relevant. Well, it seems like everything is relevant now.
The legal issues are involving the insurance companies paying for
(02:12):
the rebuilding or the repairing of homes. Keep in mind,
there were what ten eleven thousand homes. I mean, can
you imagine they're saying it's fifty billion dollars worth of damage?
Hotter insurance companies deal with that? Is there enough money?
And without federal aid and state aid, is there going
to be enough money? Also? Liability to the City of
(02:33):
Los Angeles do something wrong. There wasn't enough water pressure
in many of the hydrants, and so the city is
getting nailed and saying people are saying it's the fault
of the city. There are a lot of issues that
have yet to be determined, and we haven't even started
yet to deal with all of them. So we're going
(02:56):
to keep ongoing a little bit on. It'll be a
week or two that we talk about this and then
hopefully life comes somewhat back to normal. Unless your home
has been destroyed, then you've got a long time to
deal with this. Entire communities were gone. Do you rebuild
entire communities? How many people are going to just say
(03:16):
I'm done, I'm out of here? Are we still going
to remember Paradise? The town of Paradise up in northern
California that was just boom wiped out by the campfire.
It was called the Campfire up there, and the half
of it has not been real built rebuilt. The Watts Riots,
what is that nineteen sixty four? There are whole sections
(03:39):
of the suburb of Watts in South Los Angeles still
see empty lots and it was a thriving area at
one point. It's coming back. But how many years has
happened since then? All right, let's go ahead and take
some phone calls. Oh, Mike kind of been staying Hello, Mike,
(04:00):
welcome to handle on the law.
Speaker 2 (04:04):
Yes, Sarah, thank you. I appreciate it.
Speaker 1 (04:06):
Yes you do, of course I do.
Speaker 3 (04:10):
Hi.
Speaker 2 (04:10):
Speeding tickets, high speed, basically cut someone off, tried to
be apologetic, wave my hand didn't matter. They tried to
run me out the road, got out in front of
him and on the tim Freeway going eastbound, they shot
a couple of shots up.
Speaker 1 (04:26):
Whoa the gunshots?
Speaker 2 (04:30):
Yeah, so I've seen the muzzle flash and I just
sped it up. So after about I don't know, six
seven miles, I'm panicking. I'm panicking now just thinking about it. Anyway,
headlights behind me coming up, and I said, okay, I'll
slow down a little bit and see where I'm at.
And the lights come on highway patrol. So get some
(04:52):
the speaker. Pull over, Nope, keep going, pull over here,
vehicle off, hands on top of the car windows, The
key is blah blah blah. So I tell him what happens.
He goes to the car, checks me out, comes back,
gives me the ticket. I said, officer, look, what should
I have done? What would you have done? He said, oh,
what would I have done? He says, here, you're asking me?
(05:13):
I said, yes, sir. So he said I would have
got on the cell phone and called nine to one one.
It's handed to him, and we would have said, okay,
we'll try and get somebody out there for you.
Speaker 1 (05:24):
And yeah, that was the first question I would ask.
How did you answer that?
Speaker 2 (05:29):
And he just said that I should have got on
my cell phone and called them and let them know
that I'm in a high speed shape.
Speaker 1 (05:34):
So fair enough. So what's what's your question? You got
a ticket for high speed and you're looking at a
ticket and the cops said this is what you should
have done, and you didn't do it, So what's your question?
Speaker 2 (05:45):
So would a lawyer?
Speaker 1 (05:47):
No, you don't need a lawyer. No, no, no, no, nope. Uh,
you don't need a lawyer unless you were charged with
reckless And even then, I don't know. Was the ticket
simply for speed?
Speaker 2 (06:04):
According to him, he didn't say much. I know, they
could have been counted my vehicle on and on.
Speaker 1 (06:08):
Yeah, you know, I mean the ticket was it for speeding?
I mean, it'll say they're right there on the ticket.
Speaker 2 (06:14):
Yeah, it was for speeding in excess of.
Speaker 1 (06:15):
One hundred Okay, so that is a that's a serious speed.
So here's what I would do. And I don't know
if you need a lawyer at this point, I really
don't you. You know, talk to a lawyer is going
to cost you a bucket of money. So each yet
you show up on that day and you're gonna have
to plead, you plead not guilty. And you show up
(06:38):
and you say, I don't have a lawyer, and I'd
like to get a lawyer. In the court absolutely automatically
gives you time to come back, and then maybe you
get a lawyer. And then you talk to the city
attorney the day of your appearance, and it'll tell you
the day of your appearance, they'll tell you and you
simply tell your story to the judge and if the lawyer,
(06:59):
if the judge the same question, why didn't you call
nine to one to one, your honor, I was panicked.
A shot had just been taken at me. I just
wanted to get the hell out of there as quickly
as possible. I didn't have the presence of mine to
make a phone call. If the judge believes you, you're
home free. And the problem is that the judge heard
(07:21):
that story before a few times. What do you do
with that? So your cocks sort of between, yeah, it's
a tough story, and you point out I've never gotten
a speeding ticket in my life. I don't speed. I mean,
there are a bunch of defenses that you put up there,
and hopefully the judge believes you. Hopefully because all the
(07:41):
cop did to see you speed over one hundred miles
an hour.
Speaker 4 (07:45):
Exactly.
Speaker 1 (07:46):
Yeah, And the cops said, you know, whether I believe
you or not, that's not my call. All I saw
you was goal one hundred miles an hour. So that's
what I would do. Do you need a lawyer? I
don't know. I mean, look at a we eat. An
excess of one hundred miles an hour is no joke.
That's not just a ticket. Yeah yeah, yeah, you talk
(08:09):
to the city attorney, make maybe you make an appointment
to see him, assuming it's not the DA that's charging.
Don't know. Hey, let me suggest something. If you live
in chronic pain or know someone who does, you know
pain all the time, I'm gonna suggest you listen to
the pain game. Podcasts, and it's all about guests who
have dealt with tweated, those folks living in pain. The host,
(08:31):
Lindsay Soprano, lives with chronic pain twenty four to seven,
so she knows. And every episode ends with a message
of hope. It ends in where you can actually do
something about it. You'll understand that the show is about
getting pain a purpose. Is counterintuitive as that sounds. So
if you're in chronic pain, know someone who's in pain trauma,
(08:51):
listen to the Pain Game podcast wherever podcasts are, listen
to the Pain Game podcasts Jim, for example, Hello Jim,
welcome to Handle on the Law.
Speaker 5 (09:02):
Thank you for letting me join you today. Bill sure play.
My question is is that in rebuilding the new home,
you know, after the fire, which zoning laws are going
to apply today's zoning laws or the zoning laws when
the house was built.
Speaker 1 (09:21):
Yeah, that's a very good question. My guess is, well,
the zoning doesn't change. I mean, what you're talking about
is building standards, complying the code, which code, So I'm
guessing now, I'm guessing that it's going to have to
meet modern code. It's that simple. Now, it could be
(09:44):
that homes are too close to each other because they
were built eighty years ago. I don't know what the
code is. Is there going to be some kind of
a waiver. My guess is that there will be because
this is so unprecedented. And I notice you asked about
the California Coastal Commission, which has jurisdiction up to five
miles inland. And the California Coastal Commission is nuts, by
(10:06):
the way, for those of you that have ever dealt
with it, they are completely crazy because they have the
ability to say Nope, nope, you're not going to do this,
and they do that probably ninety five percent of the time,
and so meeting their standards is impossible anyway. So I'm
thinking they are going to be waivers up and down
(10:27):
the coast on this one. Jim, it's a good question,
and I'm guessing that code will have to be met
with some leniency given great question. Actually, Ron, Hello, Ron, Welcome.
Speaker 2 (10:43):
Good morning, Bill.
Speaker 6 (10:44):
Yeah, so I have a question about HOA. So we
have a small complex. There's only ten units total with us,
and nobody wants to be on.
Speaker 1 (10:54):
The board, as in nobody, not a person, not a.
Speaker 6 (11:00):
I'm currently the quote unquote board president. I have a
secretary and a vice president, and they're like, gone, they
don't they don't show up to meetings, they don't show anywhere.
Speaker 2 (11:10):
They don't want any part of it anymore.
Speaker 1 (11:12):
Well, they have the official have they officially resigned?
Speaker 2 (11:15):
Yes?
Speaker 1 (11:16):
Okay, so you're the only one left. God, that's a
good question. I remember had that question. Uh, you've got
the c cnrs which control and there may be language
in there in the event that there is no board.
This is what happens. Uh. Then there is Uh, there's
California law which controls homeowner associations and I, you know what,
(11:39):
I don't know the answer to that. I really don't.
Does the management company kick in?
Speaker 7 (11:46):
Uh?
Speaker 1 (11:46):
Does it revert to it's no longer in HOA and
everybody individually owns their property. I don't know the answer.
So i'd look at the c cnrs. Yeah, And then
there are lawyers that you can call and just asked
that question. You know, it's a it's a simple question
to ask what happens if, as a matter of fact,
can say you were listening to Handle on the law
(12:07):
bill Handle suggested that you call and they start laughing,
of course, and you simply say I have one quick question,
do you mind answering it? And most lawyers hoa lawyers
and there there it is a subspecialty onto itself that
should answer the question. Ben, Hello, Ben, welcome.
Speaker 8 (12:31):
Oh hi Bill. I to listen to you a lot
until they moved, but I found you on Pandora. Anyway,
my aunt died a while back and left multiple bank
accounts and annuities, and my uncle was the trustee.
Speaker 1 (12:48):
Okay, everything was left in a trust, right, the trust
owns the annuities, the bank accounts everything, correct, Yes, okay,
all right.
Speaker 8 (12:57):
Anyway, my uncle was a trust See, it took them
three years to distribute to get a lawyer, and my
real question is how do I know that he distributed everything?
Speaker 1 (13:09):
Well, yeah, no, that's a good question. You make a
demand that's for starters, and then you may consider where
the rest of the beneficiaries based on the fact that
it took him three years to distribute. There really is
no way of knowing other than I believe simply filing
a claim to have him give you a full accounting,
(13:32):
which I'm assuming he did. Correct. He gave you a
full accounting of all the money distributed and all the
money that's in the trust?
Speaker 8 (13:40):
Do I have that right suppulsively? Suppulsedly?
Speaker 1 (13:42):
Okay, but he gave it to you. Whether it was
appropriate or not, or whether there was that money in
the account, I don't know. I would call a trust
in a state lawyer and simply asked that question because
there are mechanisms, and I'm not a trust in a
state lawyer. There are mechanisms when this happens, because the
trustee has complete power and pretty well has the trust.
(14:05):
Now are the beneficiary allowed to see the trust?
Speaker 2 (14:08):
Yeah?
Speaker 1 (14:08):
I think so under whatever circumstances. So it's a trust
and a state lawyer you call, I mean, there's no
way out of that. That's certainly what I would do.
All right, Before we break, I want to tell you
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(14:30):
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(15:14):
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NetSuite dot com slash handle. Hi, Leslie, Welcome, Welcome, What
can I do for you?
Speaker 7 (15:35):
Yes? My son is on a month to month lease
for a single family home in Huntboldt County and he
let his girlfriend move in.
Speaker 5 (15:43):
They broke up.
Speaker 7 (15:44):
He wants to give notice and relocate to Arizona, but
she's saying she doesn't want to get out. So do
we give her, you know, like an eviction notice or
does the landlord does?
Speaker 1 (15:55):
No, the landlord does a month to month Lise, you
can bail out of giving appropriate notice and just say
I'm gone. Who signed the least, by the way, not
that it matters who signed the lease.
Speaker 7 (16:08):
My son.
Speaker 1 (16:09):
Okay, if he gives notice, Okay, by the way, if
he gives notice, he's out of there. She's not on
the least, not that it matters. But the landlord then
deals with her and evicts her. So he's fine, and
there is no lease. She is not responsible. Once he
gives notice, he says, I'm out of here. She's almost
incidental of the process. She basically is squatting, and she'll
(16:32):
be evicted. The only thing is they can't just throw
her out. She's a tenant, even if she doesn't pay rent.
But yeah, he'll be fine, he'll be fine. Are I'm
assuming they no longer I'm assuming they no longer get along?
Speaker 7 (16:45):
Right, Yeah, we don't want the We don't want the
landlord to have to deal with it.
Speaker 1 (16:52):
Well, you have no choice because once he gives notice
and moves out, what can he do you He's not
a tenant, he's not leasing, he's not renting. Where's his
legal position to get rid of her? She wants to stay.
Speaker 7 (17:10):
Yeah, she's kind of holding him hostage, saying that he
needs to continue to pay the rent.
Speaker 1 (17:14):
And how about well, here's the legal answer. How about no,
that works for me. I hope it works for him. Yes,
he's fine, he's fine. Okay, Yeah, and you know what,
here's what he says. All right, I'm gonna tell you exactly,
and you should write this down. Number one. I talked
(17:36):
to a lawyer and he said I'm not and I
was told I'm not responsible. Number two, I got a
second opinion and the other lawyer said, he also agrees
with me that you're ugly. That's always good. That works. Jesse, Hi, Jesse, welcome.
Speaker 9 (17:58):
Hi Bill love you listen to you every day. So
a few months ago, I used to work for the
Post Office. I was working for them. So obviously before
you get hired with them, you know, fingerprints, background check.
I've been a good kid in my whole life, so
you know, nothing to worry about knowing drug use or
anything like that. So basically, four months into my appointment
with them, basically when they they escorted me out and
(18:20):
say that my background check getting clear. I know, no
union because you know they have the union and all
that stuff. I'm not an I wasn't a contract employee,
but I still have union representation on them.
Speaker 1 (18:31):
Okay, yeah, you're okay, you are a you're represented by union,
and you're working for the federal government.
Speaker 9 (18:37):
Correct, Yeah, yeah, I was technically a Postal Service support employee,
so you know, they can basically do whatever they want
with me for the next two years until they gave
me a contract. It says that was their permanence.
Speaker 1 (18:47):
Okay, So how did you not pass the background check?
What happened there? Jesse?
Speaker 9 (18:52):
Uh, it's just basically the letters said that that the
information that that I that they sent came back and accurate.
It didn't.
Speaker 1 (18:59):
I've never They didn't tell you specifically what it was. Okay,
you appeal it. You appeal it. Okay, there's a process
to appeal. You go to the postal office, the post office,
I mean, you're not going to walk in the door.
You get to look at this online and you go
through the appeal process. And if what you say is
true and they had no business firing you based on
(19:23):
a background check of which they did wrong, then they're
going to reinstate you in about two seconds and you'll
get back paid.
Speaker 9 (19:32):
I did. I talked to a union rep. So I
since got another job right away. That goes to show
you again, I have nothing in my background to worry
about I work. You got another job where I worked
for Triple A.
Speaker 1 (19:44):
All right, well you're working, so you know there's the problem.
Now you can try to be reinstated the postal office,
because I'm willing to bet that that's a better gig
in terms of benefits, although Triple A is a pretty
good place to work for you know, I would think
it's kind of every time I've gone to a Triple
A office, you know, people there seems to be it
(20:06):
seemed to be fairly happy. So then it's your choice.
If you stay you want to stay working at Triple A,
then no harm, no foul. Okay, you're done. If you
want to be reinstated, and by the way, you're not
going to get back paid because you got paid already
by Triple A, then it's your choice. Are you making
more money as a postal worker or working at Triple A.
Speaker 9 (20:29):
I'm actually working making more money at Triple A.
Speaker 1 (20:31):
Actually, then why are you arguing?
Speaker 9 (20:34):
You know, I have family members in the postal office,
and you know they've been there for a while and
it's just one of those things where long term, no.
Speaker 1 (20:42):
I understand, but what are you gonna what do you
want what do you want? Do you want to be reinstated?
Speaker 3 (20:47):
No?
Speaker 9 (20:47):
I was actually more looking towards more compensation.
Speaker 1 (20:50):
No, you're not going to get it.
Speaker 5 (20:51):
Ain't gonna happen.
Speaker 1 (20:52):
No, no, no, nope. Yeah, we'd love to, but it
does not happen, all right, Steve. Hey, Steve, welcome to handle.
Speaker 3 (21:01):
On the law.
Speaker 2 (21:03):
Thank you. I always use the terms interchangeably, but I
recently heard that lawyer is someone who graduated from law school,
and the attorney is a person that's passed the bar's expect.
Speaker 1 (21:14):
Yuh yeah, pretty much. An attorney at law is someone
who is licensed to practice law. A lawyer, and you're right,
a lawyer technically is someone who's graduated law school. But
it's interchangeable. It's completely interchangeable. No one bothers with the
difference there. Matter of fact, Steve, you're the only person
I've ever met that borrow that dealt with it. It's
(21:36):
kind of a fun question, but you're absolutely right, you
got it. There's a difference, very technical difference. But yeah,
uh oh you okay? Uh Hello Jesse another Jesse welcome? Hello, Yeah,
what can I do for you? Jesse?
Speaker 10 (21:53):
Oh yeah, yeah, look at my house? I'm being not
betteran My house burned down on Betterness Day two years ago.
They know that everything's great. But now my contractor wants
to get some more money from the Cheers company. And
he says, Jesse, I'm gonna put your house. I'm gonna
put your house on a lean whatever. But I don't
want you to worry about it. It won't you won't
be too bad. Just I just want to get my
(22:14):
money back and I will hurt you or nothing. So
what do you think I should do about that?
Speaker 1 (22:18):
Well, illegally, you can do a couple of things, because
the contract actually is between you and the contractor. Uh,
it's not with the insurance company. Insurance company is simply
paying for it.
Speaker 2 (22:31):
Uh.
Speaker 1 (22:31):
So what he is doing is protecting himself. And by
the way he is protecting himself by going against you,
he's filing the lean against you, not against the insurance company, Jesse.
So in the end, he has the ability to collect
from you on your house. It's that simple. So now
(22:55):
it could be that he's not going to go anywhere,
but he says, but I want protection just in case.
I'm probably gonna get paid by the insurance company. I'm
sure everything's gonna be Okay. I'll never go after you, Jesse. Okay,
why the lean? Well to sort of protect myself. If
I don't get paid, I can go after you. Now.
(23:17):
Can you do anything about it? Yes, you can bond
to the lean and have it removed. But you've got
to put up I think one and a half times
the amount of money best through a bond. It's through
an insurance company that puts up the bond. You're not
actually putting up all the money. But it's gonna cost
you some money. So how much I don't know. I
(23:37):
don't know. It depends how much money is owed. Okay,
one hundred and twenty thousand. What would a bond be?
What does it cost you? Five percent? I don't know.
Six thousand bucks. I have no idea what they charge
with the bonding company charge.
Speaker 10 (23:50):
I mean, if he does. Don't I have to sign
a paper to agree to this lean?
Speaker 1 (23:54):
Nope? Absolutely not, absolutely not. Didn't that make you feel good? Hey,
if you happen to be in chronic pain, you happen
to be in trauma like listening to this show, but
you're really in a lot of pain all the time.
Let me suggest listening to The Pain Game podcasts, and
(24:16):
it's all about people, people who they know living in
pain and trauma. The host, Lindsay Soprano suffers chronic pain
twenty four to seven. She knows what's going on clearly,
and she helps people. She has guests who have dealt
with are dealing with trauma pain, and every episode ends
(24:37):
with a message of hope. So at the end of it,
you feel pretty good. You deal with your pain in
a way that you probably aren't now. So listen to
the Pain Game podcast wherever you listen to podcasts. I'm
sure it's gonna help. The Pain Game podcast looks like
we've gone through virtually every phone call except one or two.
(24:57):
So here's what I'm going to do with I always
do at this point when I don't have enough we
don't have enough phone calls, and that is you get
to listen to my favorite song until some phone calls
come in.
Speaker 11 (25:12):
Jacob, Now we have a few moments till the end
of the show, and quickly, let me tell you what
happens at the.
Speaker 1 (25:23):
End of the show. I continue on off the air
and you get a chance to uh ask my questions.
And believe me, there are no breaks of any kind
I go through, so you're not waiting any amount of time,
and the number still stays eight hundred five two zero
one five three four. Let's listen to some more baby shop,
(25:47):
shut ground, Bash Shark, Grand bas Shark. See what happens
is a delay just in case someone calls this is
the wrong thing, FCC violation, I say the wrong thing.
So there's always a delay here. And usually you get
so tired of listening to this song you call it
(26:10):
eight hundred and five to zero one five three four.
So Jacob, is this the first time this is going
to happen? Wow? Okay, let me take a couple of
calls that are there, and then I'm going to jump
in and I'll spend a minute or two talking about
(26:34):
what this show was about today. Welcome back, Handle on
the Law. Larry Hello, Larry.
Speaker 3 (26:42):
Hello, Bill, First time caller, longtime listener, appreciate it. My
wife and I hired a contractor. Mistakenly we did not
get his tax ID number, but we did pay him
some in advance. He turned out to be a complete flake.
He did some work and then he disappeared. He does
I answer. I were telephone calls he did not respond
(27:04):
to our registered letter and meanwhile we owe the IRS
form ten ninety nine. Is there any way of getting
his tax ID number?
Speaker 1 (27:12):
No? I don't think so. But let me ask hthing.
You hire a contractor, a general contractor, and I have
never heard that. I that you file a ten ninety
nine based on hiring a contractor. Maybe, but getting his
tax ID number? I don't think so. You or you
(27:34):
can call the IRS or ask, but that's kind of
private information. So I'm confused as far as the ten
ninety nine is concerned. That's for starters, but that's a
phone call to the IRS, and they'll easily tell you
the question. And you have this number, you have his address,
and then that becomes his problem. So I don't know
if you really need a tax id number. Nancy, Hello, Nancy, welcome.
Speaker 4 (28:00):
Yes, a friend of mine have a liability. Only does
she have and she have an accident and the drive
the driveway runaway. Okay, So she doesn't have a she
doesn't know the license plate or the car.
Speaker 1 (28:21):
It doesn't matter. Does she have what's called under or
uninsured motorists coverage?
Speaker 4 (28:26):
You know, yes she does?
Speaker 1 (28:29):
Okay, then you just turn it over the insurance company.
Was she injured.
Speaker 4 (28:33):
No she's not.
Speaker 1 (28:35):
Okay, so it's just the damage to the car, right, Yeah,
just calls her insurance company. They'll take care of it
for her. She doesn't have to worry about it.
Speaker 4 (28:43):
Even you don't have full cover.
Speaker 1 (28:45):
Well, full coverage is under insured or uninsured motorist? You
see that full coverage? Is that?
Speaker 2 (28:54):
So?
Speaker 1 (28:54):
I don't know what her insurance policy is. She has
full coverage, she has uninsured, she has uninsured motorists only.
All right, you know what. We're not gonna go through it,
but thanks very much for calling. Yeah, we're back to
the old phone calls. I love the way we do this. Okay,
(29:15):
let me start with talking about New Year's resolution. By
the way, when do you stop saying Happy New Year?
I really don't know, but I'm sure you made some resolutions. One,
you're gonna do better with your family. Who'll be kidding.
They're still gonna hate you, you hate them. You're gonna
lose weight, Give me a break. Six months from now,
you're still gonna be fat. All kinds of resolutions that
(29:35):
you're never going to meet. But if bad breath is
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a little capsule that is coated with mint, and you
(29:57):
pop two or three in your mouth and then when
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it gets to work in your gut where bad breath
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even close to dealing with that. That's Zelman's Minty Mouth Mints.
So until December, until January fifteenth, which is just around
(30:22):
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Zelman's z E l M I N s Zelmans dot
(30:42):
com slash kfi. That's Zelmans dot com slash kfi. And
as I said, I will continue on with phone calls
as I lock out in just a few moments. And
you don't just stay on the phone. I'll be off
the air, but it doesn't matter. I'll answer your calls.
And there are no breaks, so I go right through them.
(31:03):
No breaks, no commercials, no weather, no traffic, and no
patients on my side. So as you can imagine, the
phone calls go pretty quickly, and that's coming up in
just a moment. Eight hundred five two zero one five
three four is the number to call for questions that
(31:23):
I will answer off the air, starting in just a
couple of minutes. Eight hundred five two zero one five
three four. This is handle on the law
This is handle on the law, marginal legal advice. Today's
show is a little bit different. I am getting a
lot of questions, both the legal issues and just opinions
which I never give and I generally don't hear or
want to hear the kind of questions that we're getting.
And it has to do with the recent fires that
are going on in southern California and just so many issues,
(00:25):
legal issues that are going to come out of this,
and I'll stick a little bit to the legal part
of it. What actually happened is so devastating. I know
several people who lost their homes. And there was a
senior management person I was talking to a few days
ago about the fires here in southern California. He was
in New York when nine to eleven hit. Nine to eleven,
(00:46):
of course, was one of the big stories of the
last one hundred years. You can only compare it to
the assassination of JFK. Pearl Harbor a few in terms
of news going back to the Nation of Abraham Lincoln.
It was on that level. Now, it was an international story.
It became a very national story, and it was a
(01:07):
local story. Nine to eleven was a local story for
people in New York. It hit home on a very
personal level. That didn't hear. I mean, we watched it.
We were horrified, we were devastated. How many people knew
people that were there in the towers? I didn't and
(01:30):
most people didn't in New York. Keep in mind, three
thousand people were killed. A lot of New Yorkers knew
those people. So my friend, now senior management, Chris, had said,
this is LA's nine to eleven, and that hit home,
and it really is. So I am taking phone calls
(01:51):
dealing with the aftermath of the fire, legal issues and
also what's going on. We've had some interesting, one little
offbeat ones I normally wouldn't answer, saying, oh, come on,
that's not relevant. Well, it seems like everything is relevant now.
The legal issues are involving the insurance companies paying for
(02:12):
the rebuilding or the repairing of homes. Keep in mind,
there were what ten eleven thousand homes. I mean, can
you imagine they're saying it's fifty billion dollars worth of damage?
Hotter insurance companies deal with that? Is there enough money?
And without federal aid and state aid, is there going
to be enough money? Also? Liability to the City of
(02:33):
Los Angeles do something wrong. There wasn't enough water pressure
in many of the hydrants, and so the city is
getting nailed and saying people are saying it's the fault
of the city. There are a lot of issues that
have yet to be determined, and we haven't even started
yet to deal with all of them. So we're going
(02:56):
to keep ongoing a little bit on. It'll be a
week or two that we talk about this and then
hopefully life comes somewhat back to normal. Unless your home
has been destroyed, then you've got a long time to
deal with this. Entire communities were gone. Do you rebuild
entire communities? How many people are going to just say
(03:16):
I'm done, I'm out of here? Are we still going
to remember Paradise? The town of Paradise up in northern
California that was just boom wiped out by the campfire.
It was called the Campfire up there, and the half
of it has not been real built rebuilt. The Watts Riots,
what is that nineteen sixty four? There are whole sections
(03:39):
of the suburb of Watts in South Los Angeles still
see empty lots and it was a thriving area at
one point. It's coming back. But how many years has
happened since then? All right, let's go ahead and take
some phone calls. Oh, Mike kind of been staying Hello, Mike,
(04:00):
welcome to handle on the law.
Speaker 2 (04:04):
Yes, Sarah, thank you. I appreciate it.
Speaker 1 (04:06):
Yes you do, of course I do.
Speaker 3 (04:10):
Hi.
Speaker 2 (04:10):
Speeding tickets, high speed, basically cut someone off, tried to
be apologetic, wave my hand didn't matter. They tried to
run me out the road, got out in front of
him and on the tim Freeway going eastbound, they shot
a couple of shots up.
Speaker 1 (04:26):
Whoa the gunshots?
Speaker 2 (04:30):
Yeah, so I've seen the muzzle flash and I just
sped it up. So after about I don't know, six
seven miles, I'm panicking. I'm panicking now just thinking about it. Anyway,
headlights behind me coming up, and I said, okay, I'll
slow down a little bit and see where I'm at.
And the lights come on highway patrol. So get some
(04:52):
the speaker. Pull over, Nope, keep going, pull over here,
vehicle off, hands on top of the car windows, The
key is blah blah blah. So I tell him what happens.
He goes to the car, checks me out, comes back,
gives me the ticket. I said, officer, look, what should
I have done? What would you have done? He said, oh,
what would I have done? He says, here, you're asking me?
(05:13):
I said, yes, sir. So he said I would have
got on the cell phone and called nine to one one.
It's handed to him, and we would have said, okay,
we'll try and get somebody out there for you.
Speaker 1 (05:24):
And yeah, that was the first question I would ask.
How did you answer that?
Speaker 2 (05:29):
And he just said that I should have got on
my cell phone and called them and let them know
that I'm in a high speed shape.
Speaker 1 (05:34):
So fair enough. So what's what's your question? You got
a ticket for high speed and you're looking at a
ticket and the cops said this is what you should
have done, and you didn't do it, So what's your question?
Speaker 2 (05:45):
So would a lawyer?
Speaker 1 (05:47):
No, you don't need a lawyer. No, no, no, no, nope. Uh,
you don't need a lawyer unless you were charged with
reckless And even then, I don't know. Was the ticket
simply for speed?
Speaker 2 (06:04):
According to him, he didn't say much. I know, they
could have been counted my vehicle on and on.
Speaker 1 (06:08):
Yeah, you know, I mean the ticket was it for speeding?
I mean, it'll say they're right there on the ticket.
Speaker 2 (06:14):
Yeah, it was for speeding in excess of.
Speaker 1 (06:15):
One hundred Okay, so that is a that's a serious speed.
So here's what I would do. And I don't know
if you need a lawyer at this point, I really
don't you. You know, talk to a lawyer is going
to cost you a bucket of money. So each yet
you show up on that day and you're gonna have
to plead, you plead not guilty. And you show up
(06:38):
and you say, I don't have a lawyer, and I'd
like to get a lawyer. In the court absolutely automatically
gives you time to come back, and then maybe you
get a lawyer. And then you talk to the city
attorney the day of your appearance, and it'll tell you
the day of your appearance, they'll tell you and you
simply tell your story to the judge and if the lawyer,
(06:59):
if the judge the same question, why didn't you call
nine to one to one, your honor, I was panicked.
A shot had just been taken at me. I just
wanted to get the hell out of there as quickly
as possible. I didn't have the presence of mine to
make a phone call. If the judge believes you, you're
home free. And the problem is that the judge heard
(07:21):
that story before a few times. What do you do
with that? So your cocks sort of between, yeah, it's
a tough story, and you point out I've never gotten
a speeding ticket in my life. I don't speed. I mean,
there are a bunch of defenses that you put up there,
and hopefully the judge believes you. Hopefully because all the
(07:41):
cop did to see you speed over one hundred miles
an hour.
Speaker 4 (07:45):
Exactly.
Speaker 1 (07:46):
Yeah, And the cops said, you know, whether I believe
you or not, that's not my call. All I saw
you was goal one hundred miles an hour. So that's
what I would do. Do you need a lawyer? I
don't know. I mean, look at a we eat. An
excess of one hundred miles an hour is no joke.
That's not just a ticket. Yeah yeah, yeah, you talk
(08:09):
to the city attorney, make maybe you make an appointment
to see him, assuming it's not the DA that's charging.
Don't know. Hey, let me suggest something. If you live
in chronic pain or know someone who does, you know
pain all the time, I'm gonna suggest you listen to
the pain game. Podcasts, and it's all about guests who
have dealt with tweated, those folks living in pain. The host,
(08:31):
Lindsay Soprano, lives with chronic pain twenty four to seven,
so she knows. And every episode ends with a message
of hope. It ends in where you can actually do
something about it. You'll understand that the show is about
getting pain a purpose. Is counterintuitive as that sounds. So
if you're in chronic pain, know someone who's in pain trauma,
(08:51):
listen to the Pain Game podcast wherever podcasts are, listen
to the Pain Game podcasts Jim, for example, Hello Jim,
welcome to Handle on the Law.
Speaker 5 (09:02):
Thank you for letting me join you today. Bill sure play.
My question is is that in rebuilding the new home,
you know, after the fire, which zoning laws are going
to apply today's zoning laws or the zoning laws when
the house was built.
Speaker 1 (09:21):
Yeah, that's a very good question. My guess is, well,
the zoning doesn't change. I mean, what you're talking about
is building standards, complying the code, which code, So I'm
guessing now, I'm guessing that it's going to have to
meet modern code. It's that simple. Now, it could be
(09:44):
that homes are too close to each other because they
were built eighty years ago. I don't know what the
code is. Is there going to be some kind of
a waiver. My guess is that there will be because
this is so unprecedented. And I notice you asked about
the California Coastal Commission, which has jurisdiction up to five
miles inland. And the California Coastal Commission is nuts, by
(10:06):
the way, for those of you that have ever dealt
with it, they are completely crazy because they have the
ability to say Nope, nope, you're not going to do this,
and they do that probably ninety five percent of the time,
and so meeting their standards is impossible anyway. So I'm
thinking they are going to be waivers up and down
(10:27):
the coast on this one. Jim, it's a good question,
and I'm guessing that code will have to be met
with some leniency given great question. Actually, Ron, Hello, Ron, Welcome.
Speaker 2 (10:43):
Good morning, Bill.
Speaker 6 (10:44):
Yeah, so I have a question about HOA. So we
have a small complex. There's only ten units total with us,
and nobody wants to be on.
Speaker 1 (10:54):
The board, as in nobody, not a person, not a.
Speaker 6 (11:00):
I'm currently the quote unquote board president. I have a
secretary and a vice president, and they're like, gone, they
don't they don't show up to meetings, they don't show anywhere.
Speaker 2 (11:10):
They don't want any part of it anymore.
Speaker 1 (11:12):
Well, they have the official have they officially resigned?
Speaker 2 (11:15):
Yes?
Speaker 1 (11:16):
Okay, so you're the only one left. God, that's a
good question. I remember had that question. Uh, you've got
the c cnrs which control and there may be language
in there in the event that there is no board.
This is what happens. Uh. Then there is Uh, there's
California law which controls homeowner associations and I, you know what,
(11:39):
I don't know the answer to that. I really don't.
Does the management company kick in?
Speaker 7 (11:46):
Uh?
Speaker 1 (11:46):
Does it revert to it's no longer in HOA and
everybody individually owns their property. I don't know the answer.
So i'd look at the c cnrs. Yeah, And then
there are lawyers that you can call and just asked
that question. You know, it's a it's a simple question
to ask what happens if, as a matter of fact,
can say you were listening to Handle on the law
(12:07):
bill Handle suggested that you call and they start laughing,
of course, and you simply say I have one quick question,
do you mind answering it? And most lawyers hoa lawyers
and there there it is a subspecialty onto itself that
should answer the question. Ben, Hello, Ben, welcome.
Speaker 8 (12:31):
Oh hi Bill. I to listen to you a lot
until they moved, but I found you on Pandora. Anyway,
my aunt died a while back and left multiple bank
accounts and annuities, and my uncle was the trustee.
Speaker 1 (12:48):
Okay, everything was left in a trust, right, the trust
owns the annuities, the bank accounts everything, correct, Yes, okay,
all right.
Speaker 8 (12:57):
Anyway, my uncle was a trust See, it took them
three years to distribute to get a lawyer, and my
real question is how do I know that he distributed everything?
Speaker 1 (13:09):
Well, yeah, no, that's a good question. You make a
demand that's for starters, and then you may consider where
the rest of the beneficiaries based on the fact that
it took him three years to distribute. There really is
no way of knowing other than I believe simply filing
a claim to have him give you a full accounting,
(13:32):
which I'm assuming he did. Correct. He gave you a
full accounting of all the money distributed and all the
money that's in the trust?
Speaker 8 (13:40):
Do I have that right suppulsively? Suppulsedly?
Speaker 1 (13:42):
Okay, but he gave it to you. Whether it was
appropriate or not, or whether there was that money in
the account, I don't know. I would call a trust
in a state lawyer and simply asked that question because
there are mechanisms, and I'm not a trust in a
state lawyer. There are mechanisms when this happens, because the
trustee has complete power and pretty well has the trust.
(14:05):
Now are the beneficiary allowed to see the trust?
Speaker 2 (14:08):
Yeah?
Speaker 1 (14:08):
I think so under whatever circumstances. So it's a trust
and a state lawyer you call, I mean, there's no
way out of that. That's certainly what I would do.
All right, Before we break, I want to tell you
about your business and the less your business spends you
probably know this delivering on your product or service, the
more margin, the more money you make and keep. And
(14:30):
everything is more expensive these days. I mean, cofts have
gone through the roof materials, employees, distribution, borrowing. So let
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It's the number one cloud financial system. It's all up
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(14:54):
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You cut the cost of maintaining multiple systems because you
have one unified business management suite that does all of it.
(15:14):
Over thirty seven thousand companies have made the move. So
let me suggest you visit NetSuite dot com slash handle.
It's a free down load, just to see if they
can help you. That's net sweet as an office suite.
NetSuite dot com slash handle. Hi, Leslie, Welcome, Welcome, What
can I do for you?
Speaker 7 (15:35):
Yes? My son is on a month to month lease
for a single family home in Huntboldt County and he
let his girlfriend move in.
Speaker 5 (15:43):
They broke up.
Speaker 7 (15:44):
He wants to give notice and relocate to Arizona, but
she's saying she doesn't want to get out. So do
we give her, you know, like an eviction notice or
does the landlord does?
Speaker 1 (15:55):
No, the landlord does a month to month Lise, you
can bail out of giving appropriate notice and just say
I'm gone. Who signed the least, by the way, not
that it matters who signed the lease.
Speaker 7 (16:08):
My son.
Speaker 1 (16:09):
Okay, if he gives notice, Okay, by the way, if
he gives notice, he's out of there. She's not on
the least, not that it matters. But the landlord then
deals with her and evicts her. So he's fine, and
there is no lease. She is not responsible. Once he
gives notice, he says, I'm out of here. She's almost
incidental of the process. She basically is squatting, and she'll
(16:32):
be evicted. The only thing is they can't just throw
her out. She's a tenant, even if she doesn't pay rent.
But yeah, he'll be fine, he'll be fine. Are I'm
assuming they no longer I'm assuming they no longer get along?
Speaker 7 (16:45):
Right, Yeah, we don't want the We don't want the
landlord to have to deal with it.
Speaker 1 (16:52):
Well, you have no choice because once he gives notice
and moves out, what can he do you He's not
a tenant, he's not leasing, he's not renting. Where's his
legal position to get rid of her? She wants to stay.
Speaker 7 (17:10):
Yeah, she's kind of holding him hostage, saying that he
needs to continue to pay the rent.
Speaker 1 (17:14):
And how about well, here's the legal answer. How about no,
that works for me. I hope it works for him. Yes,
he's fine, he's fine. Okay, Yeah, and you know what,
here's what he says. All right, I'm gonna tell you exactly,
and you should write this down. Number one. I talked
(17:36):
to a lawyer and he said I'm not and I
was told I'm not responsible. Number two, I got a
second opinion and the other lawyer said, he also agrees
with me that you're ugly. That's always good. That works. Jesse, Hi, Jesse, welcome.
Speaker 9 (17:58):
Hi Bill love you listen to you every day. So
a few months ago, I used to work for the
Post Office. I was working for them. So obviously before
you get hired with them, you know, fingerprints, background check.
I've been a good kid in my whole life, so
you know, nothing to worry about knowing drug use or
anything like that. So basically, four months into my appointment
with them, basically when they they escorted me out and
(18:20):
say that my background check getting clear. I know, no
union because you know they have the union and all
that stuff. I'm not an I wasn't a contract employee,
but I still have union representation on them.
Speaker 1 (18:31):
Okay, yeah, you're okay, you are a you're represented by union,
and you're working for the federal government.
Speaker 9 (18:37):
Correct, Yeah, yeah, I was technically a Postal Service support employee,
so you know, they can basically do whatever they want
with me for the next two years until they gave
me a contract. It says that was their permanence.
Speaker 1 (18:47):
Okay, So how did you not pass the background check?
What happened there? Jesse?
Speaker 9 (18:52):
Uh, it's just basically the letters said that that the
information that that I that they sent came back and accurate.
It didn't.
Speaker 1 (18:59):
I've never They didn't tell you specifically what it was. Okay,
you appeal it. You appeal it. Okay, there's a process
to appeal. You go to the postal office, the post office,
I mean, you're not going to walk in the door.
You get to look at this online and you go
through the appeal process. And if what you say is
true and they had no business firing you based on
(19:23):
a background check of which they did wrong, then they're
going to reinstate you in about two seconds and you'll
get back paid.
Speaker 9 (19:32):
I did. I talked to a union rep. So I
since got another job right away. That goes to show
you again, I have nothing in my background to worry
about I work. You got another job where I worked
for Triple A.
Speaker 1 (19:44):
All right, well you're working, so you know there's the problem.
Now you can try to be reinstated the postal office,
because I'm willing to bet that that's a better gig
in terms of benefits, although Triple A is a pretty
good place to work for you know, I would think
it's kind of every time I've gone to a Triple
A office, you know, people there seems to be it
(20:06):
seemed to be fairly happy. So then it's your choice.
If you stay you want to stay working at Triple A,
then no harm, no foul. Okay, you're done. If you
want to be reinstated, and by the way, you're not
going to get back paid because you got paid already
by Triple A, then it's your choice. Are you making
more money as a postal worker or working at Triple A.
Speaker 9 (20:29):
I'm actually working making more money at Triple A.
Speaker 1 (20:31):
Actually, then why are you arguing?
Speaker 9 (20:34):
You know, I have family members in the postal office,
and you know they've been there for a while and
it's just one of those things where long term, no.
Speaker 1 (20:42):
I understand, but what are you gonna what do you
want what do you want? Do you want to be reinstated?
Speaker 3 (20:47):
No?
Speaker 9 (20:47):
I was actually more looking towards more compensation.
Speaker 1 (20:50):
No, you're not going to get it.
Speaker 5 (20:51):
Ain't gonna happen.
Speaker 1 (20:52):
No, no, no, nope. Yeah, we'd love to, but it
does not happen, all right, Steve. Hey, Steve, welcome to handle.
Speaker 3 (21:01):
On the law.
Speaker 2 (21:03):
Thank you. I always use the terms interchangeably, but I
recently heard that lawyer is someone who graduated from law school,
and the attorney is a person that's passed the bar's expect.
Speaker 1 (21:14):
Yuh yeah, pretty much. An attorney at law is someone
who is licensed to practice law. A lawyer, and you're right,
a lawyer technically is someone who's graduated law school. But
it's interchangeable. It's completely interchangeable. No one bothers with the
difference there. Matter of fact, Steve, you're the only person
I've ever met that borrow that dealt with it. It's
(21:36):
kind of a fun question, but you're absolutely right, you
got it. There's a difference, very technical difference. But yeah,
uh oh you okay? Uh Hello Jesse another Jesse welcome? Hello, Yeah,
what can I do for you? Jesse?
Speaker 10 (21:53):
Oh yeah, yeah, look at my house? I'm being not
betteran My house burned down on Betterness Day two years ago.
They know that everything's great. But now my contractor wants
to get some more money from the Cheers company. And
he says, Jesse, I'm gonna put your house. I'm gonna
put your house on a lean whatever. But I don't
want you to worry about it. It won't you won't
be too bad. Just I just want to get my
(22:14):
money back and I will hurt you or nothing. So
what do you think I should do about that?
Speaker 1 (22:18):
Well, illegally, you can do a couple of things, because
the contract actually is between you and the contractor. Uh,
it's not with the insurance company. Insurance company is simply
paying for it.
Speaker 2 (22:31):
Uh.
Speaker 1 (22:31):
So what he is doing is protecting himself. And by
the way he is protecting himself by going against you,
he's filing the lean against you, not against the insurance company, Jesse.
So in the end, he has the ability to collect
from you on your house. It's that simple. So now
(22:55):
it could be that he's not going to go anywhere,
but he says, but I want protection just in case.
I'm probably gonna get paid by the insurance company. I'm
sure everything's gonna be Okay. I'll never go after you, Jesse. Okay,
why the lean? Well to sort of protect myself. If
I don't get paid, I can go after you. Now.
(23:17):
Can you do anything about it? Yes, you can bond
to the lean and have it removed. But you've got
to put up I think one and a half times
the amount of money best through a bond. It's through
an insurance company that puts up the bond. You're not
actually putting up all the money. But it's gonna cost
you some money. So how much I don't know. I
(23:37):
don't know. It depends how much money is owed. Okay,
one hundred and twenty thousand. What would a bond be?
What does it cost you? Five percent? I don't know.
Six thousand bucks. I have no idea what they charge
with the bonding company charge.
Speaker 10 (23:50):
I mean, if he does. Don't I have to sign
a paper to agree to this lean?
Speaker 1 (23:54):
Nope? Absolutely not, absolutely not. Didn't that make you feel good? Hey,
if you happen to be in chronic pain, you happen
to be in trauma like listening to this show, but
you're really in a lot of pain all the time.
Let me suggest listening to The Pain Game podcasts, and
(24:16):
it's all about people, people who they know living in
pain and trauma. The host, Lindsay Soprano suffers chronic pain
twenty four to seven. She knows what's going on clearly,
and she helps people. She has guests who have dealt
with are dealing with trauma pain, and every episode ends
(24:37):
with a message of hope. So at the end of it,
you feel pretty good. You deal with your pain in
a way that you probably aren't now. So listen to
the Pain Game podcast wherever you listen to podcasts. I'm
sure it's gonna help. The Pain Game podcast looks like
we've gone through virtually every phone call except one or two.
(24:57):
So here's what I'm going to do with I always
do at this point when I don't have enough we
don't have enough phone calls, and that is you get
to listen to my favorite song until some phone calls
come in.
Speaker 11 (25:12):
Jacob, Now we have a few moments till the end
of the show, and quickly, let me tell you what
happens at the.
Speaker 1 (25:23):
End of the show. I continue on off the air
and you get a chance to uh ask my questions.
And believe me, there are no breaks of any kind
I go through, so you're not waiting any amount of time,
and the number still stays eight hundred five two zero
one five three four. Let's listen to some more baby shop,
(25:47):
shut ground, Bash Shark, Grand bas Shark. See what happens
is a delay just in case someone calls this is
the wrong thing, FCC violation, I say the wrong thing.
So there's always a delay here. And usually you get
so tired of listening to this song you call it
(26:10):
eight hundred and five to zero one five three four.
So Jacob, is this the first time this is going
to happen? Wow? Okay, let me take a couple of
calls that are there, and then I'm going to jump
in and I'll spend a minute or two talking about
(26:34):
what this show was about today. Welcome back, Handle on
the Law. Larry Hello, Larry.
Speaker 3 (26:42):
Hello, Bill, First time caller, longtime listener, appreciate it. My
wife and I hired a contractor. Mistakenly we did not
get his tax ID number, but we did pay him
some in advance. He turned out to be a complete flake.
He did some work and then he disappeared. He does
I answer. I were telephone calls he did not respond
(27:04):
to our registered letter and meanwhile we owe the IRS
form ten ninety nine. Is there any way of getting
his tax ID number?
Speaker 1 (27:12):
No? I don't think so. But let me ask hthing.
You hire a contractor, a general contractor, and I have
never heard that. I that you file a ten ninety
nine based on hiring a contractor. Maybe, but getting his
tax ID number? I don't think so. You or you
(27:34):
can call the IRS or ask, but that's kind of
private information. So I'm confused as far as the ten
ninety nine is concerned. That's for starters, but that's a
phone call to the IRS, and they'll easily tell you
the question. And you have this number, you have his address,
and then that becomes his problem. So I don't know
if you really need a tax id number. Nancy, Hello, Nancy, welcome.
Speaker 4 (28:00):
Yes, a friend of mine have a liability. Only does
she have and she have an accident and the drive
the driveway runaway. Okay, So she doesn't have a she
doesn't know the license plate or the car.
Speaker 1 (28:21):
It doesn't matter. Does she have what's called under or
uninsured motorists coverage?
Speaker 4 (28:26):
You know, yes she does?
Speaker 1 (28:29):
Okay, then you just turn it over the insurance company.
Was she injured.
Speaker 4 (28:33):
No she's not.
Speaker 1 (28:35):
Okay, so it's just the damage to the car, right, Yeah,
just calls her insurance company. They'll take care of it
for her. She doesn't have to worry about it.
Speaker 4 (28:43):
Even you don't have full cover.
Speaker 1 (28:45):
Well, full coverage is under insured or uninsured motorist? You
see that full coverage? Is that?
Speaker 2 (28:54):
So?
Speaker 1 (28:54):
I don't know what her insurance policy is. She has
full coverage, she has uninsured, she has uninsured motorists only.
All right, you know what. We're not gonna go through it,
but thanks very much for calling. Yeah, we're back to
the old phone calls. I love the way we do this. Okay,
(29:15):
let me start with talking about New Year's resolution. By
the way, when do you stop saying Happy New Year?
I really don't know, but I'm sure you made some resolutions. One,
you're gonna do better with your family. Who'll be kidding.
They're still gonna hate you, you hate them. You're gonna
lose weight, Give me a break. Six months from now,
you're still gonna be fat. All kinds of resolutions that
(29:35):
you're never going to meet. But if bad breath is
something you want to deal with, that I can help
you with. And that's Zelman's Minty Mouth Mints. Man, does
that help? All right? You have horrible breath, or somebody
know it has horrible breath. So let me suggest Zelman's
Minty Mouth Mints. This is a mint. Well actually, it's
a little capsule that is coated with mint, and you
(29:57):
pop two or three in your mouth and then when
the mint part it is gone, and it's really nice,
strong mint. You swallow your bite into the capsule and
it gets to work in your gut where bad breath
can start and stay there and no other mint comes
even close to dealing with that. That's Zelman's Minty Mouth Mints.
So until December, until January fifteenth, which is just around
(30:22):
the corner, if you order three packs or more, you
will get a fourth pack free, four for the price
of three, and that's quite the bonus. That's Zelmans z
E l M I N s Zelmans dot com slash kfi.
Zelman's z E l M I N s Zelmans dot
(30:42):
com slash kfi. That's Zelmans dot com slash kfi. And
as I said, I will continue on with phone calls
as I lock out in just a few moments. And
you don't just stay on the phone. I'll be off
the air, but it doesn't matter. I'll answer your calls.
And there are no breaks, so I go right through them.
(31:03):
No breaks, no commercials, no weather, no traffic, and no
patients on my side. So as you can imagine, the
phone calls go pretty quickly, and that's coming up in
just a moment. Eight hundred five two zero one five
three four is the number to call for questions that
(31:23):
I will answer off the air, starting in just a
couple of minutes. Eight hundred five two zero one five
three four. This is handle on the law
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