The Troubleshooter 6-26-24

Yeah, ripped up news need advice, so you don't have come running. Just as stas as we can. Shooter's gonna help coming. Man, this is the Troubleshooter Show. Now tell Martine, oh Man, Mark are you there? We're here, okay, folks, I'm here. Man all right. Mark was on there just in case. Uh I was sold at the last minute. We're having technical difficulties and uh so, people, you gotta bear with us. Have some major work going on with comcasts. Our broadband

is down. We're not going to be able to do YouTube. Mark. This is terrible. I don't know what else we can do about it unless I can get it on my computer here and send it out. But uh so, we have a lot of technical difficulties. I think the phones are

working as usual, I'm being told, soh that's good. So what you can do is give us a call at three oh three seven one three talk three O three seven one three eight two five five, and we'll take your phone calls as usual and answer questions and take complaints and make your life a little easier. We also have texting. You can text. I'm going to see if I can bring up my Google Voice number. You can text that

you can also text. So at seven four seven nine nine nine fifty two eighty you can also text our regular iHeart line for texting and that is uh five seven seven three nine. And well, what's going on with you? Mark? Where are you now out and about in this country? We're in a Kennewick, Washington's beautiful country here. You warmer than it was in Wyoming. You moved from Wyoming Montana, Montana. Whoops, you moved from there? So so, uh, how long did it take you to get there?

This was a good one, man. This was six hours. This is the longest driving segment of the trip. Then we had tomorrow, Thank goodness. Man, we head up to the Oregon coast where it's sixty seventy degrees. It's going to be gorgeous, all right, So hey, real quick, congrats to George Brockler. He won the election last night. Well he'll be moving on and hopefully he's going to be a prosecutor that of the

twenty third district. I'm really hoping. I like George. He's one of the few guys out there that's actually put some white criminal collar criminals away and just does good for the community. Wow. Cool, so he won the primary, so he still has to run up. Last night he won, and so did Bobart. I know a lot of people bober don't like her because she toasted around the guns and stuff. These are just the primaries, right, so they have to that's correct, still have to win the election.

And did you see polus I believe actually I heard Brown talking about it actually endorse somebody other than the incumbent, which is kind of crazy. Wow, three oh three seven to one three talk is our number, folks, three oh three seven to one three eight two five five. So one of the things that we're gonna talk about too, especially with this weather the way it is, is we're getting a lot of ripoffs right now with landscaping.

You know, people want landscaping. And here's the problem in the landscape business in general. Okay, here's the problem in general in general that everyone wants everything at the beginning of the season. No one wants to wait to have a lawn done toward the end of the season. Yet the season goes on anywhere from really May to let's say October November. But no one wants stuff

in October November. I mean they have to wait. Sometimes they don't have a choice, but they rather get it done so they can enjoy it during the good weather. So they want their sold or they want their bushes, they're landscaping, whatever they want it done early in the season. Well, everyone wants it done early in the season. And the problem that you have when that goes on is that you can't do that. I mean, it's impossible to have everything done in the beginning. So what people do then is

they start looking for people that can get out to their houses. And then they start thinking about, oh, I can get this person out of the house, and they put more emphasis on getting someone to the house than they do getting someone good. And what happens is you're screwed. You're done, because when you get someone who's available, well that in itselfs that it tells you something. And I'm not saying they're automatically bad, but it is certainly

not necessarily good. Not only can they get out there, but now they want you to have money upfront. So people have been falling prey right now to landscaping scams, a lot of them. I'm getting a lot of information about this that people are saying, well, you know, we can get out there, but we want this money down and people are willing to do it because they are so desperate. So if you're in, if you want to pick a landscaper, I must tell you this, do not, absolutely

do not hire a landscaper based only on availability. Make sure they're well established, they've been around, and that you know who they are, they can identify themselves, their license there ensured. All of the normal stuff now we have on our referral list, like lam Landscape is one example, we have people. I urge you to wait for someone legit. Again, it's difficult to do to get out there to do everyone. If it makes it real simple, don't give money up front. I mean, how many times do

we got to pound that through someone's head right exactly? Now. What's really interesting is we have had a lot of discussion about the economy, and you know, whether it's good or bad or and different or whatever it is. And one of the things that people use as a measurement of an economy is if people are saving or not. Are they saving money? Are they able to squirrel away money? And a lot has to do with not just the economy around the country, but in each individual state. And there was a

survey done on where you can save money the best. In other words, what states do you have a debt to income ration where you may have money left over to save? And are there are there states that are difficult to save in? Well, we have this extremely difficult rating of one hundred,

meaning the high rating means very very difficult. Okay, So in other words, the worst place to save money would be where do you think I know you're going to guess it right off the bat, A city, city or state, a state You're going to say it right off California or New York. California? Absolutely positively California. And see, but I was going to ask you about that if we're talking about New York, are we talking Albany

or are we talking Manhattan? Okay, they average the state, So that's why calib they they look so Colorado's got to be in the top ten. Hold on, you are so right, you are Now the worst place to save money is California. People hardly have anything left in second place with the debt to income ratio than second highest. Where we just say, I think this is pretty logical. To Hawaii, that's logical. No matter what we can understand, this one surprises me. Nevada the third hardest place to save

money. Nevada. All those casinos, Brother, they're gambling it away. Man. Oh no, I know what it is too. Vegas in Vegas. There's a lot of money in Vegas. So okay, So I think what they're doing is they're looking at the cost of living maybe And Oregon, Mark Oregon is the fourth hardest place to save money. The fifth hardest place to save money Maryland, and then Florida and then New York. Do you know it's easier to save money in New York. And when we say save

money, we mean put money away after expenses. It's easier in New York than in Florida. And then South Carolina. Colorado comes right after South Carolina, but it's in the top ten worse. And then Louisiana rounds out the top ten. You know what's funny the top five. I think you said Florida was the sick that the top five are all Democratic states, But then you throw Florida in there. That kind of wrinkles my thought process. Well, let's see. But of the top ten we have, I'll tell you

how many Democrats. California's Democrat, Hawaii's Democrat, Nevada is what I don't know, Oregon's Democrat, Maryland's Democrat, Florida's republican, New York, New York is Democrat. South Carolina is Republican, Colorado's Democrat, Louisiana's Republicans. So you have mostly democratic states. Let's talk about the easiest places. The easiest places. Where is it Wyoming number one? No, let's see, is it Market's in the top ten, though you got that one, Okay.

The easiest place to save money North Dakota. They have a ton of money left over South Dakota after that. So I don't know anybody actually who lives in North and South Dakota. Maybe that's why it's easy to save money. Nobody's there. Uh, let's see, Kansas is next. See all of those that little cluster right there. Missouri easy to save money, Iowa, Missouri, Iowa, Wisconsin, then Nebraska, West Virginia, Wyoming, and Ohio. So that's the way it stacks up as far as saving money.

But you know, I talk to young people in Colorado. I don't know any who can save money. It's very, very difficult unless you know the popular thing in Colorado and in most States Now, roommates people are rooming. I mean it doesn't just mean shacking up, but I mean roommates in general. They're living together to save money. Three oh three seven one three eight two five five. I'm Tom Martino Waterpros dot net for your wonderful water

systems. The best water systems at the lowest prices bar none. That's Waterpros dot Net three oh three eight six two five, five five four. All the fresh drinking water you want without poison in it at three oh three eight six two five five five four. 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 too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance

three oh three nine two zero sixteen twenty two. Hi Tom Artina, here, do you realize that in some parts of Denver Metro property property taxes have gone up over one hundred percent, property taxes, and we got such a snowjob when it came to the TABOR and when it came to property taxes, and and I think it was reg g I mean, I I guess is policy. He's in his he's term limited, right, I mean, you

get two as a governor. That's it. So there's no way. I mean, could this guy ever get re elected with all the deceit and trying to make it sound like he invented TABOR for us the refund and don't remember that? What a clown? Do people? I mean, do people keep track of their government? Do they? Hey, did Denver vote on that sales tax increase? Yet? Did that happen? No? No, not yet? Not yet? That's it? When does that go down next Tuesday? Or when just election? Oh? I thought it was something else.

I thought it was coming up. I get it. And is it just for Denver? Yeah? But I mean my whole point is these morons do it to themselves. There was plenty of people out there, Michael Brown being one, Ross being another, saying hey, if you vote on this for property taxes, they're going to go up like freaking crazy. But people are morons. No, I know, I know they did. Kelly, what's going on with you? Hello? Kelly, what's happening? Hello? Tom? Hey, what's going on? And I agree with you is a moron.

But anyway, well, I mean, I don't think he's doing a great job. I think think he kind of misleads us a bit. I mean, he doesn't seem like a bad person, but he just doesn't seem like he's with it. He doesn't. I can't trust him. He doesn't care, basically, That's what I think. But could be. So I'm calling about. Not to get too graphic, but I have to have a diagnostic colon ask could be every two years. Every two years, so you have colon cancer in the family, I always have pre cancer's call up.

Yeah, so that's what I've had to do, and so I am. You know, I've had private insurance since I was seventeen, so I always call and check probably five times before I have a procedure to make sure it's covered well. And normally normally they are covered aright, preventatives are, but when it's diagnostic, it's you know, there if you don't have the coding correctly. I'm learning, so how often. How often can you get inventive colonoscopies? I couldn't tell you that. I mean, you probably could go

yearly if you wanted to, as long as they don't remove anything. Maybe that's a preventative, but it's you know, the extra time maybe goes into a surgical. Well that's kind of crazy because it takes the same amount of time if they snap apolla for cares. You need it every two years? Did you say every two years? I'm spoke to get them. Okay, So well, I'm dead serious. It doesn't. It does. It's not like another guy comes in. It's all the same thing. I agree.

Yeah, I'm a sleep though, you know. So, so how is this affecting you? So you need a diagnostic colonoscopies every two years? Correct? So what happened was the last time I had one and I had different insurance and I called four to five times, which I typically do. Are you sure it's covered? Yes? Yes? Are you? And how long ago was that? That was three years ago? I'm due you know this year? So anyway, Centaura, So my insurance only wound up. It

was a twelve thousand dollars bill. My insurance only covered five so I was left with seven thousand. Wait, so how much? How much was it? Callin Oscobee twelve thousand? Holy crap, I'm mean, no pun intended, but okay, go ahead, So twelve and you're stuck with seven grand thousand. So and I'm you know, I'm an advocate for myself, So I wrote letters to Centaur saying this is the hardship. Can you work with

me? You know? And I'm a smart ass also, so I said, I'm sure you're sitting around the table, you know, because you're all corporate and have corporate insurance and you don't understand what it's like to pay out a pocket. But they had no feeling. So I got stuck with seven thousands. Did you just find out about this? It was three years ago?

No? No, no, I've been paying and then I you know, I worked at a payment program with them, and so they wouldn't come down at all because they, I assure you, they don't charge insurance company twelve grand. Oh I know, I know, But like I said, my insurance company who told me it was covered, only paid five. So I'm left with a seven thousand dollars bill when you said they said it was covered did you get a pre authorization? No, I gave them a CPP

code. Did and they said it's covered. Did they say it's covered one hundred percent or it's covered under your plan? It's covered under my plan? And I well, covered under your plan doesn't mean covered one. What it means is it's covered, doesn't it's you understand what I'm saying. It's covered meaning they did cover it. They covered five thousand of it. It doesn't mean it's covered for anything. But I don't. But but they should have

explained that to you, like we cover up too. But I'm specific on the type of colonoscopy I have to get. You know, if this was diagnostic or excuse me, if this was just a regular screening colonoscopy, would it have been covered on? Yes? I believe so. I mean I don't have that insurance company anymore, but yes, I believe. So. Wait, so when did you When did you drop that insurance? Yeah? When don't have them because I have to play the game. When did you

drop them because of kreams? Uh? After that? That was what? Twenty two? I had that done, So twenty three and twenty four I've had a different insurance company and then I'm you know, start medicare. What can we do to help you? What do you need? Well, I'm just wondering if there's any possibility. I mean, I've been paying them and I still have a thirty seven hundred dollars balance. If you have any negotiating power, let's I want to call Integra Insurance. I want to see what

they recommend we do. By the way, we have been successful in the past of reasoning with insurance companies saying this, Hey, you know, damn well, you're not charging that much to insurance companies. At least give her the insurance rate. I mean, I don't know. Are they making any aggressive moves to get the money? Cur Yeah? No, I'm on a payment, a monthly payment. You're still doing it? How much a month?

There's one hundred and eighteen dollars because I'm like I said, I'm an advocate for myself, and at first they wanted four or five hundred, and I said, not a chance. So I pay one hundred and eighteen dollars a month. My balance is around thirty seven hundred left. Wow. Yeah, Wow, You've been making a lot of payments. You made making more payments than most people would well exactly, I know that. That's that's who I am. So and my point being is when I wrote them letters,

I was just asking to negotiate a lesser amount. But they wouldn't even do that. I wasn't asking for complete forgetting. You know what. That's odd that they would not do that. No, they sure didn't. We need Okay, first of all, if we do call Centura about this, we need some kind of hip, a thing agreed to, because it's so whenever we deal with anything medical like this, it's such a pain in the ass.

But I want to call Integra in general to find out. Now, your insurance you said, was what at the time, Well, I had meta share oh the time, Medicare share share. Oh hold on, oh god, yes, was that one of those Christian plans? Yep, yeah, listen, there's your answer. Well, and by the way, this is nothing against Christianity, trust me when I tell you that. Qu But when it comes to those meta share programs, I swear to god, I went on it one time, really quickly got off it. I there was

never anything never. It's like being uninsured. I mean, are they still around these programs? Oh yeah, you're on the radio all the time, I think, what are you supposed to do it? Like, like, don't you send in your premium? Do they? Some of them went so far as to tell you where to send your premium. Didn't you actually send it to people who had claims? Or there were some crazy ones that were jacked up. You had to like say three hail Mary's and then send a

check to somebody who just got something done. I mean it was weird and then and then, but there were different kinds. Then some you sent your money to a central clearinghouse and they doled it out. But I just never trusted them ever. They're just terrible. Are good things And like I said, I'm a private contractor so and I don't I'm not a six with person. So it's like me certain things and I make sure even before I bought them, I'm like, hey, here's the deal. This is the biggest

thing that I need covered. Let's get some answer. Let's get some answers for you. Hold on, just don't hang on, hey, Kelly, Let's try to get some of our friends at Integra. I'm Tom Martine three oh three seven one three talk heyd eight eight heating dot Com. I know you're desperate if your air is out. They're good people. They'll get to you as soon as possible. Now listen, they're running better than most when

it comes to appointments UH for your air conditioning, and they're honest. Three oh three seven seven zero two seven seven six eight eight eight Heating dot com. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one

help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. I'm Tom Martino, your troubleshooter three O three seven one three talks seven one three eight two five five. You know we get this a lot. I'm asking John Jones Junior with Integra Insurance, their health insurance brokers. They do a great job, truly. The ones I

would go with you don't pay any money. Going with them this he's on as an expert right now, and I just thought i'd throw that in about them because they just do a good job. Integra Insurance dot com and John, I want to ask you a question. We hear this all the time. Okay, somebody gets they call for authorization or they ask us something covered, and the company says, yeah, it is covered. And here here's what covered means. It can mean a number of things. Number one,

it's covered, it goes towards your deductible. Number two, it's meaning it's recognized. Number two, it's covered and they pay it all. Or number three, it's covered and they pay the approved amount. Wouldn't you agree that covered doesn't necessarily mean paid. Yes, sir, How it's covered is the question? Right? You're exactly right. How it's covered? Is that kisses me off? Because it can? So. Kelly calls and says, is my colonoscopeek covered? And she had who was the insurance company? Kelly,

Kelly? Are you there? Yes, I'm here? Who was the insurance company? Meta Share? Meta Share? Okay, so meda Share the health share program, it's not an insur ssurance company. Well we well know that now that's one of these share programs, right, yes sir, yes sir. But when they say it's covered, what do they mean. Well, with meda Share, they put it in a preventive care. Preventive care is

not preventive care is not paid for prior to your annual household portion. So your annual household portion, that's like you're it's like a maxed out of pocket. Basically, once you've satisfied the annual household portion, then all of your bills become eligible for sharing. That's how the health share program works. Nothing is technically quote unquote covered. You have to use different terminology with the health

share program. So so you're responsible for all your medical bills. You're still getting the discounted rate through the network for your medical bills, your medical care, but you're responsible for all of it up to your annual household portion with with Meta share. Then once you satisfy that annual household portion, then your bills become eligible for sharing. And when they're eligible for sharing, does that mean one paid or partially? That means it should be. I mean so

you again, it's a healthcare program, so there's no guarantees. But Medicare, for example, who's been around since nineteen ninety three does say that all of their eligible all one hundred percent of eligible medical expenses have been paid among their members. Okay, but what your program, it's always in the small print, there's no guarantee. Kelly, what's your deductive by about health insurance?

Well, I mean that was so long ago i'd have I don't even know if I've record of it. And the issue really isn't meta share right now? It's my balance with Centuri hold on. I wanted to ask John about that. John, Healthcare Providers. So this colonoscopy is billed at twelve grand, her insurance paid five grand, she's stuck with seven grand. I wanted to ask you something. Usually the amount they charge insurance companies and will

accept as payment in full. Isn't that usually? Uh? Aren't they satisfied with that? Why do they have to charge her full retail? Yeah? The games are fun, right, Yeah? When it comes to providers and health insurance companies, what's build and what's actually negotiated and approved and paid? And I mean you look at a line item of your billing and it can

be it can certainly cause headaches. Now that forsop, it depends. I mean I don't know as far as detail, ma'am about the We don't need to go into too many details of the khilosophy, but it was it was diagnostic and polyps and all of that. Yeah, exactly that if they found pull ups, it became surgical. Then yet certainly could become a lot more

expensive. And then you if your annual household portion was seven thousand or more, then you certainly could be responsible for you you know what your deductie she doesn't remember what it was, but but it's still that still seems exorbable. I mean, I all have clients even with health insurance, and kolenoscopies are the tricky one or one of the tricky ones. You'll go in and thinking

this is a free preventive care. If you have health insurance and they find the pull up, well, they're not going to leave it in there, so it changes from preventive care to surgical. And then you get a bill for twenty five hundred dollars because of that, when you were expecting it to be free or no cost to you under your health insurance plans. So colenoskopies can be tricky now and I'm very aware of this because I've done this for a while, so when I whenever I call or ask, I am diagnostic.

I'm not a preventative. And also the thing that the Centaurro would not allow me to do. Once I found out that Meta Share was only going to pay five thousand dollars, I asked them about a cash price because I know all about that, so your cash price is less, ma'am. Well, they wouldn't let me do it because it was already submitted to medicine. Well, yeah, that's a lot of ball. Here's what I think, though, I want to make an observation. They recently removed medical bills as

part of credit reports. Isn't that right, John? I think that you you can't very recently, I believe. Yeah. So what I'm saying is if you don't pay that, it's unlikely it's going to affect your credit.

Well, but that's not who I am. I understand that Kelly with Meta Share, also with you know, they have extra blessings right where you can put those additional costs out there for the community, right, the community of individuals and families who share to potentially help pay down the cost or pay all of that. But she hasn't she hasn't had it. No, I don't have that three years ago. Okay, So Kelly, you said you had a problem with Centuri, So what is it. It's just trying to negotiate

a lesser amount. I was stuck. In fact, I found the full bill. My remaining was seven thousand. You know what I would say, I think I paid enough. You wouldn't have gotten paid this much from other insurance plans. Call it good. This is where I would say to him, and if you need discs my call. I mean they're going to go sorry, ma'am, well we're going to put you in collection. Yeah, but they're not okay. And when they put you in collections, I doubt

they will do anything to you, is what I'm saying. Medical bills. Medical bills have lost favor when it comes to collection. Yeah. Well yeah, I just I don't know. That makes me nervous. I need your support. Maybe you should call them. Let's do a conference call. Okay, when we call, we do have to do a conference call because it is a hip a thing. Yeah, Deputy Bojes walked in. Maybe he can do that during the show. Hold on, let's let's try it.

I want to ask John while you're on John, John about balance billing and all of that and collections. I got to take this break dot I oh, shoot, shoot, shoot, can you hang on, John? I need to ask you that question. Hold on, Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find

out now three O three seven 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. I'm Tom Martine. I don't have a lot of time, and I want

to talk to John Jones with Integer Insurance. And John, what I want to ask is this, when when consumers go and they're facing something like this, do health providers have a cash price or a discounted price for people like this? Well, sure, but not really. People like the issue is

that it's already like they told her, it's already been run. It's already been processed, it's already been put through the system with meta Share, and so typically, yeah, if you run your health insurance, even if you put something through your health insurance, it's almost impossible at that point to go back and try to negotiate a cash price that needs to happen upfront. Okay, but what I'm saying is this, Let's just say meta Share paid five

grand, Okay, a colonoscopy. Let's say another insurance company would have paid eight grand, just whatever, Let's say eight out of the twelve. You know they're not going to pay the twelve. They would have paid the eight or something. They would have had an approved amount. So theoretically, if she makes a case to them that hey, meda Share paid five, I paid another three in net dollars, you're getting about the same as you would

under any normal insurance claim. I don't see why they would pursue her. But do they pursue medical collections with vigor? Still? I mean, you can, I think rufoul good thing you can try, But I don't think providers care. I mean, they have their own negotiated rate with every health insurance company are all different. We're out of time that's Integrainsurance dot com. Go with a sure thing Denver's Best Rufer Excel roofing dot com. You don't

pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Yeah, ripped up. You need advice when you

don't have come a run anxious as fast as we can. Shooter's gonna help coming. Man Dix is the Troubleshooter Show. No Tom Martino, Hi Tom Martino here three oh three seven one three talk seven one three eight two five five. You can call us right now. You can also call three oh three Martino three oh three six two seven eight four sixty six. You leave a message and we will definitely get back to you if you ever have a

problem, question or complaint you need help with. You don't have to wait anywhere, and I have, by the way, UH a text message here about UH personal injury. We talk about that from time to time, and I like to check in with my expert, John Fuller, who's a personal injury attorney. And I guess I don't often explain it, but I mentioned and I say, you know, call right away. There's no downside to calling. Give them a call and see what your rights are and all of

that. Somebody wanted to know. Is there any harm in waiting, like just to see what they offer or what is the reason for calling, let's say, right after an accident. John, Hey, Tom, good morning. So here's the deal, Tom. You can have great insurance, but if you don't use the great insurance the right order and you know, with the appropriate vendors and stuff, you lose all the benefit of having that great

insurance. As an example, we had a recent case where a young lady had an UR bill of one hundred and three thousand dollars that by the time they got reprocessed and repriced through the health insurance appropriately, it was knocked down to only twenty three thousand dollars almost you know, eighty percent of it all.

Wow. Well, if we didn't get involved early enough, you would have seen every single bit of her medical payments, coverage, and likely a good chunk of the available settlement dollars go to pay in the full amount of that hospital bill. So it definitely matters when we get in touch or when we get involved in the case early, because our main goal is to do well at the end of the case. By doing well at the beginning of the case and getting everything set up perfectly so that you get the benefits that

you deserve and that you paid for. I actually never looked at it that way. So you can actually help them net more money by getting these bills negotiated. Yeah, I've always said that I felt like we could put at least thirty percent more money in your pocket if we got involved right away as opposed to waiting, And that thirty percent assumes the exact same settlement dollars. It's just the better application of the benefits in the right order and the way

that they were supposed to be used. So it definitely matters. If your goal is to get the best outcome from your personal injury case, you're going to be better off by've given me a call right away and get us involved early on. Okay, And that's John Fuller, my accident lawyer dot CO. I have another quick question for a three zero three five five hundred five nine seven four five zero zero John. In the world of personal injury,

what would you say the percentage of cases that actually go to trial? It's very low. It's very low, and down in probably the single digits. That's not to say that cases don't wind up in litigation, but the reality

is our court systems can't you take every single case to trial. Yeah, so the ones that have you know, legitimate disputes about liability or damages or any of a million other things may well go into mitigation, but more than likely those cases are going to get worked out before the actual trial day comes to pass. Thank you very much, John, appreciate it, my accident lawyer dot CO. Three h three five ninety seven forty five hundred. You

know, here's the thing. Almost the way the system is set up right now in general lawsuits in general. Now, personal injury is a little different because that's done on what they call a contingency fee, and a lot of people mistakingly believe that a lot of cases are taken on contingency And I would say the vast majority of cases are not taken on contingency. In fact, the people always say can you recommend an attorney? Or the famous expression is

I can't find an attorney. When someone says I can't find an attorney, what they really are saying is I can't find an attorney free, or an attorney that will pay, that will work for me for a portion of what they collect. And there's a reason for that. In most cases, damages never ever outweigh the cost in most cases. That's why most civil litigation isn't worth pursuing. I've always thought there should be And now I know you say, we have small claims court. Yeah, an it that that's something,

but there still has to be something above that. There's got to be a way that people can arbitrate their differences and go after someone without spending one hundred grand I mean, or a lawsuit minimum twenty grand just to get to the courthouse, or without having a two or three day trial. You would think that by now we would have come up with a way, maybe a system of arbitration or something where people can be heard and people don't have to spend

a lot doing it. Because most problems do not lend itself to a lawsuit. Even a fifty thousand dollars problem could be too small to go after with court. It's gotten so cost prohibitive. It's really gotten to a point where it's ridiculous. Now. I wish that technology could help there, maybe some call in platform similar to a zoom or maybe some other kind of platform where

litigance can be verified, people can be sworn in. And I know they do have some of those, but I'm talking about real cases where you can go in, keep the cost down and not gamble your entire life savings over a lawsuit. But right now, lawsuit are impractical. They are, and in fact there are some cases, like for example, with medical malpractice not only impractical, but almost never pays. You have to have such a catastrophic

inner injury to pay for malpractice. It's ridiculous, and very seldom do people's injuries add up to that. By the way, I often have to remind myself, So, gen Z, do you know how gen Z people are? You know, you don't know? Do you drag gen Z? You know, at the earliest age of a gen Z is eleven? What eleven? Huh? Twenty six? Is twenty six or twenty seven is the oldest. That's a gen z, right, yeah, so a gen zer they

right now listen to this. A stat says that a majority, okay, one in seven have credit cards, not one credit card, but credit cards that are maxed out. One in seven gen Zers. That's only getting to take twenty six years old. Can you imagine having one or more credit cards already maxed out and they're only committed to paying minimum payments. That means these people are going to be in debt. Well it's like thirty years. I mean, if you see how long it's amortized, it's ridiculous. So one

is seven. That equates to about fifteen percent. They're maxed out on credit cards and are making minimum payments. This has increased the course over the years. Now, baby boomers, how many of those do you think are maxed out? Just think about this, this is crazy. Only four point nine percent of the old farts, the baby boomers four point eight percent. That means that they don't use credit as unwisely as the zeers. And then the

ones in between we often call them millennials and stuff. Are they just as irresponsible? About ten percent of them? That's not bad. Ten percent of them overmaxed maxed out. We have more coming up on the Troubleshooter Show. Three all three seven one three talk seven one three eight two five five. Genesistotalexteriors dot com they also now do mold detection and mitigation the honest ways.

You don't have to panic, and they'll tell you what needs to be done to get rid of the mold without the fear everyone puts into you and you know exaggeration. Genesistotalexteriors dot Com. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven

seven to one help. You'll think you're his only customer 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. I'm Tom Martino, you're a troubleshooter. Hey, you can text me. I haven't signed into it yet, but I will and I'll read them on my Google Voice number as well, which is seven fourth, seven four, seven nine nine nine fifty two eighty. I'll get to that in a second here. And you can also

text me the iHeart texting app which is five seven seven three nine. And I have to tell you, man, it is amazing to me that Colorado makes the top ten lists in all kinds of bad news stuff. When it comes to crime, when it comes to car theF when it comes to drug overdoses, when it comes to credit card debt, when it comes to household incomes, when it comes to difficulty to save, I mean, you name it, and we make the top ten. And yet another one phishing schemes.

I'm not talking about fishing out of streams for trout, I'm talking about pH ish. And there are phishing scams where people get information from residents. Do you know some of the most prolific states that fall prey to this again, you know what's funny. I don't see any rhyme or reason, but out of the top ten, Colorado's number five, that's right, you know.

And I looked at the correlation between the states that have the top phishing schemes and scams perpetrated, and the ones with the highest credit card debt and the ones where it's most difficult to save, and all of these things are hand in hand. If it's difficult to save money, people fall prey to scams. The people who fall prey to scams have terrible credit card debt.

I mean, it's almost like there's a characteristic a demographic. Now, now, please don't be offended when I say this a demographic of a loser. Now before you go, you know, trying to cancel what I'm saying here. I'm not talking about income. I'm not talking about ethnicity, I'm not talking about religion. I'm not talking about sex or for that matter, sexual preference, none of that. What I'm saying is is that there are losers in life. Have you ever noticed that? Really? Have you? Seriously?

Now, I'm not kidding. Have you ever run into people and they're always fighting with someone, or they always are getting ripped off, or they always have a problem. It could be with employer, it could be with something they bought, It could be with something they sold, it could be, could be, could be and you're tired of almost hearing about it, but they don't put the connection together. That they're the only common denominator between

them and trouble. You don't have as much trouble as they do. But seriously, have you known someone like that? Oh my god, It's like, what is their trouble? Now? What's going on? Now? You're gonna hear it? What's going on now? And then they tell you, well, this person here. You know, I had my LOANDNRA, or I had I had a guide do this, or I called about this, or I went took my car in, or my boss or my manager. They don't like me, you know. I love that when they think they're

being singled out losers? So what makes a loser? What makes a loser? If you had to pick characteristics of a loser? Come on, my show is a lot of winners. So I want to know who are the losers? Are they listening to this show? I doubt it. I doubt a lot of losers listen. Some do. Most people call for help, call on a recommendation of one of my winners. But if we had to make if By the way, are we on YouTube now? I don't know. Did we ever get up on YouTube? We never did, did we?

Because of our broadband? I'm so Sorry, guys, I know I'm getting messaged here. But if you had to make the characteristics of a loser, okay, I'm gonna give you one that's generally honest and you got to look deep. It doesn't necessarily mean at first blush what you think it means. Okay, there's I'm gonna give you a few. What do you think the first characteristic of a loser is? Go on, dragon? What is it? The deputy bow? What is it? And is self esteem?

And they love to be miserable. They thrive on being missing most self esteem. I didn't have that on my list. That's a wonderful observation. Dragon. What do you think somebody who always thinks everybody else is out to get them? That's that's right, that's part of that kind of that you know that that is now now that victim mentality? Is that what you meant? Because that's okay, that's what I have down. So you're right. And by the way, that would go along with those helpless seem I know what

you're saying, bo victim mentality. You know what else? This is the first one. Lazy. Now you may say, oh, no, no, no, I know people that they're not necessarily lazy. No, but they are lazy. You have to hear what I'm saying. When I say lazy, I'm saying that they're looking for an easy way out, or somebody asks them to do something they don't want to do. I'm talking that kind of lazy or lazy in research or lazy in life. There's more laziness than

just laying around, okay, smoking dope. You can be a lazy person and have a job. You do as the little as possible. You never look to do more than you need to, or if you do more, it's for very specific reasons. And that goes with the next characteristic of a loser. We have a victim mentality, we have laziness, and the next one should be so self apparent, so so rolling off the tongue, selfish,

selfish. Those are losers. Now when you think about it, When you have a friend who comes up to you at the gym or at work, the water cooler, or on the street, or they call you or they text you and they're always having problems, they're lazy, they have a victim mentality, and they're selfish. Think about it. But there are other

characterists. That's to go deeper than this. In fact, I'm going to tell you people, if you're in business, how to pick a loser and how to avoid them, because there are losers, Deputy Bow brought out. They almost want to be victimized, or they almost look at themselves as such a victim that they they're they're they're almost justified when something goes wrong. It almost they almost revel in it. They say, see, I knew, I knew I was going to get ripped off, and I'm going to tell

you how to spot them. If you're in business. Do you know some of the seminars I do for business is how to turn down business? Did you know that? Why would I ever do that? Well? I generate leads. That's what I do. That's what a radio show does. That's what I do as an endorsement. What does the lead mean? I tell you where to go and who to call, and I do it out of

the honest of god genuine feeling I have. I mean, I would never recommend someone I don't truly believe in or use Okay, that's the truth. And I don't mean use because I get it free or I get special deals. I mean, I would never recommend anyone that I did not fully believe in or did myself. But I generate leads. Now all kinds of people listen to me and call my advertisers. Now advertisers businesses. They want business, so they take the calls and try to do the jobs. Very seldom

do people turned down business. But there are times you should. There are times you should. I'll bet you that if you look at negative reviews, about half of them are genuine and should be bad and the company suck. I think reviews are a great tool for picking out bad companies, but they're also a great tool for picking out bad consumers because the other half of the bad reviews are just pissed off consumers, and if you get one of them, no matter what you do to please them, it's not going to work.

In fact, some of them use the review process as a blackmail tool. Give me you know, if you don't give me a discount, or if you don't do this, I'm giving you a bad review. So you never know if a review is genuine or not. There are to tell. But I'm going to go through how to avoid a problem customer. Okay, there are different kinds of problem customers, and one thing I can tell you that no one else can that calls that people that call themselves consultants. Is

that I'm not talking out of my ass. What I mean by that is I have fifty years of listening to people every single day. There's not one researcher in the world who has taken as many consumer complaints and listen to as many concerns and issues directly as I have. Just think about it. I mean, there are good experts out there, and they have a good they do some research here and there. But being on the phone with people or on email or tech hoists all of these years tells me something, and I

can spot losers that you should avoid coming up. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find

out Now three oh three, seven to seven to one help. You'll think you're his only customer When you choose Frank durand 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, your troubleshooter three oh three seven one three talks seven one three eight two five five how to avoid a problem customer coming up? But I do want to take callers as they come in so they don't

have to wait. And then we also have a guest for Grossman Wellness. I love these guys, and of course I'm a patient there, and we'll talk to doctor John Kelly, and he's one of the doctors there, and we're going to talk about wellness as opposed to chasing sickness. Although they can chase sickness pretty well, it's better to do the prevention. And actually, I don't even like the word prevention. It sounds like we're falling apart at

the seams. It's more of maintenance, maintenance of wellness, right, John, I mean, doctor, I'm sorry, I don't want to be disrespectful Doctor Kelly, go ahead, sir, I mean really and truly. You know, when people say preventive medicine, it does make you feel like you're on the brink. I don't know. To me, it does. I'd rather say it's just proactive health. But sure, sure, yeah, I

mean, I think what we're all about. Yes, there's absolutely an aspect of prevention, but you know, at the end of the day, we want to make people feel optimally well. Yeah, that's what it gets you feeling your absolute best. And that's that's the goal of you know, of wellness and of being a longevity medicine clinic is you know, how do we increase your longevity? But how do you feel good? Yeah? Exactly right, and we'll be talking about that anyway. Jeff, what is your question

on car insurance? Jeff? I guess sure, Okay, right now, I'm with Progressive paying a ton of money, so I decided to look around. Everyone's paying a lot right nowadays. But go ahead, Well, I'm paying one hundred and twenty two dollars a month a month. That's not a lot, man. What kind of car, by the way, it's a two thousand and seven Santa Fe HYNDI. And do you have collision coverage on that? What kind of coverage you have? Just standard? What does that

mean? Like like state minimum? Yeah, state minimum? Like like for liability you have twenty five fifty yeah, I guess yes. And you have comprehens for hailstorms and all that. I don't know if that's in there to have underinsured or uninsured motorists. You know, uh, what does that mean? You know? I mean that's okay, never mind, Okay, I'm just trying to here. I'm just trying to get get an idea. But okay, so go ahead, let's help you. What's happening. Well,

I went to State Farm. I had a talk with a guy. Worst company, worst company in the world. Is it really one of them? Well? He gave you a quote for seventy seven dollars? Okay, Well, is it the same coverage? Jam, Listen, it's all in the math. Is it the same coverage? It's a state minimum, which I figured is the same as well. I understand, But there are other components. First of all, the amount of deductibles. There are so many components to here. Here's how you can tell, Jeff, I can tell you're

you're not too hip to insurance. So let me just tell you this, And I don't mean to insult you. No, No, there's nothing. There is something on your progressive policy called a declarations page. Okay, it's usually the first page or second. It's called a dex page or declarations page. It's a summary of coverage, and it'll have the coverage you have and

the amounts of coverage. It'll stay comprehensive. This much, medpay this much, uh, liability this much, and the liability is expressed in two numbers. One is per I believe, per person. The next one is per accident. So it's like a slash. But anyway, you take that declarations

page and you compare apples with apples. Now, you can upgrade your coverage if you want, but you have to know what you're getting if someone offers you if you're paying one twenty two now with Progressive and someone offers you eighty dollars or seventy seven dollars, it could be a great deal. Well, if you're getting a sad One of that is I'm a low vileage customer. I'm disabled and I rarely drive, So he was factoring that into it also,

And why doesn't Progressive factor that in? Yeah, I'm just gonna she's supposed to be calling me back because I called them. Well, you're doing the right thing. You're doing the right thing, except you're not comparing coverage. Is stay minimum Z? What's that what Sha'll do? Because yeah, uh, I should have been. Just do that and do me another favor. Do me another favor. I want you to call another place to get

a quote. Now, I will tell you it is likely they won't be able to help you because you know you may not be a candidate for them. But but it's Compass Insurance Group. Now the reason and well, here's what I love about Compass when and about what you're doing. Even without Compass, you're comparing. So if they say they can do it cheaper, they got to be able to do it cheaper. And if they can't, then they're liars. I mean even you know the difference between seventy seven dollars a

month and one hundred and twenty two dollars a month. So it's easy. That's what I like. If you have the same coverage, you compare price. Then once you get the price you want, if you want to add coverage, go ahead because you know the company's already value. So so here's

Compass three ZHO three nine nine thousand, Okay. So what you say to them is you want to get an it's called an insurance checkup, okay, okay, And then they'll give you an honest assessment and it could be, by the way, there are times that all State or Farmers or State Farm, all the sucky ones our American family. It could be there are times that these companies have pretty good prices. Okay, now here's one of the main reasons I called Yes. Now, when I called Progressive, They're like,

well, you're on a six month contract. If you cancel, you could owe the remaining months on your six month contract. Well, what are you talking. They're not gonna You're not gonna owe it without getting the coverage for it. I don't know of any I don't know of any non cancelable insurance. But you know what I think Compass deals with Progressive. I'm gonna ask him. Hold on, don't hang up, Kelly. Let's uh, let's get Compass on to talk about that. Okay, Amy has an issue

getting reimbursed for home schooling supplies. We'll talk about that and more coming up. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies find out now three oh three, seven to seven

to one. Help You'll think you're his only customer when you choose Frank durand 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 three three seven on three talks seven one three eight two five five. So let's see. I think I I I hope I answered all his questions on, Jeff, do you have any other insurance questions? I think I answered them all.

Oh, no, we're gonna get Brian on one other question. You're right, hey, Brian Burns, Now I know why he's hung on with Compass Insurance Group. A really quick question here. Yeah, this guy has Progressive insurance and he was told of he cancels, he has to pay the balance of his contract because it's a six month deal. Is that right? No, they're pro rated. So and this is a personal line policy, not a commercial line. Correct, not commercial it's car He's yeah, he's listening

right now, Jeff. Yeah, there could be some kind of penalty if he got a painfull rate, that they might give him some kind of penalty. But absolutely not It's not like he has agreed to pay six months and that's all he can do is stay through six months. The insurance commissioner has made sure that that customers in this state do get pro rated portions back. So really, Jeff, they're not telling you the truth there, Progressive,

who are you dealing with? That? Progressive a progressive person or a broker a broker insurance they're called what affordable insurance? Yeah, well, Aurora, Colorado. Yeah, well, listen, you're you're you got bad information there. There, there's no you're you're not required to keep your personal line insurance

for the period of time that you have signed up for. That's not true, Okay, but they might charge me fifty bucks ors lething for if they're you know, Progressive is just one of those strange companies that can give you a little bit of a short rate on it if by chance, it's been paid in full and they're trying to give you back a pro rated portion. He's paying by the month, he's paid by the month. Anyway. Yeah, I don't think. I don't think you're going to have anything other than

what you have owed. You're going to owe the portion of the insurance that you have used. Okay, yeah, and listen what he's talking about short rating. Let's say they give you let's say they give you a rate for an annual insurance premium. I'm just going to take a number that doesn't matter, but like five hundred, and that's a discounted rate because you signed a

year's contract and then you cancel after three months. So now they might just charge you for three months, which might be higher than if you divide the five hundred by twelve months and then multiply that by three. Right, Brian, So you've got it said, exactly right, exactly right. If you're buying it by the month, it'll be a little higher. And that's the rate they're going to charge you. If he's already paying by the month.

I doubt there's going to be much of a difference when you can be negated, that's right. That's not really that discount that's in there. Commercially, it's a different world. You can get charged for greater portions. There's a greater short rate twenty five percent minimum earned premium. That's just not the world you live in with admitted carriers in the personal line. All right, thank you, that's compass Insurance Group three oh three nine nine six nine thousand.

Three oh three nine nine six nine thousand for your free insurance checkup. Doctor h. Kelly's with us from Grossman Wellness. He's gonna be our guests coming up in the next hour and the rest of the show as well. If you have any questions, give him a call, doctor Kelly. I always say this because I do. You know, as part of the program, you do blood work every three months, and I say that's cool because not much unmanageable can happen in three months. Is that about true or me?

Can't you catch almost anything if you keep doing stuff every three months? Yeah? I think getting consistent blood work is really important, especially if you're doing because you can see a trend immediately, right Oh yeah, yeah, yeah, you know if you find something on a prostate marker for example, Yeah, you know, you can catch it and that's you know that again back to your dreaded word prevention. No, it's not dread but part of that. It is part of prevention, yes, it is, for sure.

And so what you're doing is you're getting a snapshot every three months and you see trends, whereas if you go once a year, you could. I've had friends who had a normal PSA, which is the prostate marker, yeah, on their physical and the following year it was sky high. Yeah, and they had cancer. Yeah. I mean I'm not you know, we're not saying yearly things are not good. Of course they're better than not. But but every three months, and you know, that's just a way of

looking at your body. And then the most important thing, it helps you monitor the supplements because some people blindly, I often wonder they take supplements. They don't know what they do for sure, they don't know if the supplements are if they even need them for sure. I mean, that's one of the craziest things. Anyway, we have more coming up. I'm Tom Martinez and then Amy. I'll take you right after the break. Go with a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a cent

until you're contenth time for an insurance check up free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies. Find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot Com to list your home with Remax Alliance three all three nine two zero sixteen twenty two ripped so you don't have run into sas again. Shooter's gonna help.

Come Dix is the Troubleshooter Show. No, Tom Martino, Hi, I'm Tom Martino. Welcome to the show. Three O three seven one three talk three oh three seven one three eight two five five is my number. We have a medical guest today. If you have any questions, that will be cool. And then I'm gonna go to Amy who's been waiting, and then we go back and talk to Grossman Wellness dot Com and Amy. What's happening?

Ah? Yes, we've joined My Tech Hi at the beginning of the school year last year, and one of the reasons we joined was because they reimburse some of your school supplies. There was a problem. And what's the name of the program, My Tech High, My Tech High Okay, yes, and that's your kids homeschooling for high school, well, middle school, in high school okay, in eighth grade okay. So you enrolled your son in My Tech High correct, Okay, and keep going. And we were

told that the reimbursement period closed on the second. So somewhere around April twenty sixth or twenty seventh, I sent in all the receipts to be reimbursed. And who was actually doing the reimbursing my tech High Oh okay, and why do they do that? I don't know, I guess just like an incentive, an incentive, And what exactly are they reimbursing. They're reimbursing books. They have a whole list of stuff. Okay, So it's kind of an incentive to get you to sign up. Yeah, and you have you required

to take so many courses through them. With us it's four courses. You have to check in once a week to make sure that the kids are doing their work. Okay. So so now talk about those deadlines and what happened to you. Okay. So May second was the deadline. I sent in all the receipts on April twenty ninth. I have now you send in receipts through their website, through the my tech high site. So I have no way of proving that I sent them in. Are they denying that you sent

them in? They're denying I sent them in, And I have an email on the twenty ninth, saying I sent them in were there any problems, If so, let me know so I can fix it. I never heard back. So on the second I sent another one and they said, well, here's our reimbursement process. If there's a problem, we will contact you. Okay, then what happened? I get it? I get it. So then what happens nothing? I never heard back. And when I contacted them again last week, they said, oh, we're sorry, we never

got it. The reimbursement period is closed. There's nothing you can do. And how much were you expecting about eight hundred dollars that's no small amount. Yeah, and it was not just books though, right, No, it wasn't just books. But we stuck to their list that you know, they give you a gym membership to qualify for gym class. Now they said they never got it. That's that's just their explanation. And it was supposed to

be done by the deadline. It's that simple. I mean, I wonder, here's what I wonder, are they actually doing this to a lot of people? Did you go online to see if you could find other victims. I went on to their Facebook website and I put something out there asking if anybody else had because that's the only strength we're going to have. I mean, obviously, if they did it to you, they would do it to others. They're not just going to do it to you over eight hundred bucks.

But right I'm wondering what the alternative is the fact that you emailed them that day saying I just sent the packet. How did you send the packet? You have to send it. You have to upload it to their website. You go into the parent link and upload a PDF file, which I did, okay, And did you verify it was there? Yeah? I looked on their parent link and it showed that they had gotten it and that it was pinny. Can you log onto that parent link? I can,

but it's not there anymore. It disappeared off their site. Your documents, yes, how many documents? It was just one? And it okay? So the day you loaded you uploaded it. Could you look at it online? It was on there? It was on their site. Yes, godly, I wish i'd had a screenshot of that if I had thought ahead, yeah, or something right? Something and that I mean, did you try talking to someone above that? Per I mean, they're just going to flat

out deny it. Yeah. I finally got a phone number from them, because you can only talk to their email. I called them every day for a week before they returned a call, and they finally returned to call and basically tell me the same thing. How much did you? How much is the uh? How much is it to join them? It's free the school? Yes? How can the school be free? I guess it's state supported,

State of Colorado, State of Colorado. They're in three states. You talk Colorado and I think Oregon. And is this spelled tech te c h yes, my tech And what's the website mytech hi dot com or what correct? I'm going to look at it. I've never heard of such a thing. So I wonder if they got paid. They got paid by you guys, and they see they do the math. Here's what they're thinking. If they get paid per head by this, you know, like a school does.

I don't know they do. But let's say they get paid for that by the head, and then they figure they rebate some expenses, they'll still make money because the school reimbursement rate's not bad. And is this considered then a legit school? Well, it meets the homeschooling requirements as an umbrella school, so we don't have to send in a notice of intent to our local school board. You just go. You just sign up through them because you

have a homeroom and a homeroom teacher. You check in every week. In October it's the school head count day, so they make you do extra jumps through extra hoops in October so that they make sure that your kid is counted in October with every other student. I wonder if there's a way, I mean, there's a record on their server of an upload, I would think, but not if they deleted it. But see, we would just have to find other people this happened to. It's gonna hold no weight one complaint.

I mean it might we can. They're simply going to say you never did. They refuse to believe you. Did they did they listen to your story at all? They did well, they at least they responded to all the emails. And what did they say? They said, I'm sorry, we can't find it. Pretty much, that's just they said, we don't have any record of it. And I asked them, why would I call you on the twenty or why would I send an email on the twenty ninth, asking if you received it? Did they get that email? Send it

in? Did they get did they acknowledge that? Does they do they acknowledge the email you sent on the twenty ninth? No, well, yeah, I got a standard auto response. So on the second they sent me an actual letter telling me that it takes fourteen business days to process and that they had a lot of people and so they would take them in the order in which they were received. So that's was that like an acknowledgment that you sent it? Did they say, I mean that sounds weird you would get a

letter like that. Yeah, you know. I was asking if they received it and if there was anything else that they needed. I said, I'm new to my Tech High. This is our first year. I said, what you know? Did you get it? And is there anything else? And this was just a response for that. BOK, go ahead, you got a comment. So, caller, did you actually talk to a human being at this school or is that all done? You did? Yes, it took me a week to have calling. I'm looking at my Tech High.

They don't have good ratings, that's Pauler. You might want to just go to the school, take a drive. Oh well, no, No, this is not a regular school. This is not a brick and mortar school. Correct. I can't just go there. I would love to. Now I see the Utah, Oregon. I don't see the Colorado here. They might have removed Colorado this year because Colorado has now decided they don't want

to support homeschooling at all. So there was a big thing at the capitol in January February saying Colorado is going to pull all state funding for any homeschoolers whatsoever. So if you want a homeschool your kids, you got to do it one hundred percent out of pocket. So I don't know if you're going to be allowed to sign up for their school this coming year. Yeah, I don't see where you can, Tom, I can't make a call over

to the school. Maybe coming from where is it located physically? I mean I know that they're an online school, but do you know where they're located? No? Not really. The number that came in was from California. I don't know if that's where they're located, though it could be. Yeah, did you go to my tech high dot Com? No? I haven't. If you go there, it tells you how it works. Let's just see hold on. I can peruse on there and send a couple of years.

But I like calling people. I'd like to just call on your behalf. Yeah, let's just try it. Hold on a sec. We'll see what if we can shake them up a bit. I mean, I agree with you. Why would you write to them asking them if there's anything else you need to do? To me, that just sounds jacked that they would put you through this, especially because you bothered to call. You have proof your kid went there? You have, you know, I mean, why would you lie about that? And I'm wondering if we go online, how

many other people complain about it? I wonder if other people are involved. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three, seven seven to one

help. You'll think you're his only customer When you choose Frank durand the real estate Man dot com to list your home with Remax alliance three oh three nine two zero sixteen twenty two. Hi, Tom Martino, you're a troubleshooter three O three seven one three talks seven one three eight two five five. So we're gonna, uh, well, we're gonna give this call a school,

this this call, this school a call and try to help out. Now, I mentioned the signs of a loser, lazy, victim, mentality, selfish, and I said I was gonna tell businesses avoid a problem customer. Now you have to understand something. There are good customers who add ask a lot of questions, right there are wonderful, wonderful and they want to be informed. And partially the more questions they ask means the poor poor job you're

doing explaining things. But invite questions, you want those. But the type of questions they ask is where you know you have a problem customer. There's nothing wrong with people wanting to know the cost of something for sure, right and what they get for the money, and that should be readily available anyway up front. But when they want to know what you're making on something, that is a red flag. Frankly, it's another business what you're making.

But that is truly one of the things that comes up with a poison customer, Hey, what are you making on this? Or what's the spread? Or I can or they say things like this, well, I can buy that for you know, one hundred dollars at home depot. See, but they don't have the insurance and the overhead and all the other stuff that goes

along with the business. We won't get into that. So when they start talking about that what they can do on their own, or how much you're making, or they know someone else who had it done for this or this or this, it is absolutely a no win situation, a no win situation,

or when a customer who doesn't know what they're talking about. There are some that do know what they're talking about, okay, But most of the time, when you have a customer who's trying to tell you how to do it when you know it's wrong, rather than argue with them and try to win the argument, because if you do, that'll come back to haunt you.

So here's what happens. If they think they know better, don't do the job and don't do it their way if you don't think it's the right way, even if they want it that way, because you will be blamed. So if they think they know more than you or know exactly how they want it done, and you know it's not the proper way, don't fall for that trap. It'll never you will never win. Here's another surefire sign, and this one should be pretty obvious. They tell you about all the

nightmares they had with people in their home. Why had one guy tried to do this? And then I was ripped off one time a few years ago by this fence builder. And then I had a guy pour my driveway and he sucked. Okay, come on, you know what I'm talking about. As soon as they start talking about other people and how bad they did, that is a red flag. You need to know red flags. People. These red flags will keep from getting into trouble. It's better to not take

a customer that's the problem than to try to please them. Now, remember there are consumers who will have suggestions on how they want things done or questions. That's not what I'm talking about. And I think you know the difference. What I think you've in fact encountered people like I'm explaining, and you know exactly what I'm talking about. All right, let me check my my texts and we have one for the doc. All right, so what with

a blood test? They want to know how important is an actual physical And I've often wondered because I've had doctors tell me that hands on physicals only if you have that. They're only really really really necessary if you have symptoms or lumps or something like that. I don't know, but I don't know. I'm not trying to put words in your mouth. When is a physical examined? Port? Yeah, I kind of feel the same way. I mean, when you do it as a routine, you almost never find anything.

Yeah, I mean, you know it is. It is a little bit gratuitous sometimes, but certainly it's really to make the patient feel good. Yeah. So and when you do that little tap tap on my legs and make them jump, why are you doing that? Check what it does? It does it really tell you something? It certainly can absolutely absolutely. You know, if your reflexes are absent or if they're hyper reflexive too, you can tell Okay, but really you know you're you're doing that when someone has some

kind of a neurological complaint. Yeah, And it's the same with other physical exam findings. You're usually going to find something if someone's you know, has a complaint when they just come in they're healthy. Ninety nine percent of the time, you don't find anything but significance. Right, And so as far as the consultations every three months, let's talk about a normal program. What are you consulting about? Yeah, you know, the the big things that

we're focused on is how do we prevent people from having cancer? Deaths from cancer and from cardiovascular disease. So are the two big killers. I had two big killers, and you know, we do a really poor job in mainstream medicine of addressing those two problems. You can really find a lot through

blood work sometimes but mostly through some imaging. Uh. For instance, we use something called the Karateid IMT to take a look at your kartid arteries and see, you know, based on that test, we can tell if you've got plaque in the artery. Now, if it's in the karateid doesn't mean it's around the around the body. It does it means that is that a good image? Is that a good visual of the rest of the body.

It is. So there's about a ninety five percent concordance between the amount of plaque that you have in your carotid artery to what you have in your coronary arteries in the heart. So that's why it's a great proxy. It's cheap, it's quick, and there's no radiation because it's an ultrasound, So you get all those benefits. And you know, if someone has a lot of

plaque there, maybe we want to do more advanced studies. But we can also optimize you on you know, different medicines that can really help slash your risk stay of having a heart attack or stroke or shrinks it right. In some cases we can't. I mean, there are currently medications and therapies where you can see uh plaque in the carotids or in the coronaries in your heart. You can see those plaques get smaller. Yeah, let's talk to John

about a water heater. Why John, what's happening John? Hello? Jeez? Are we having more of those phone problems? Hey, Kelly, see if John's there and I'll take him 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 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 all three seven to seven to one help You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two three seven on three two five five. One guy texted and said, you know, Tom, in reality, you really can't add much to your

life. You are what the cards you're dealt. I want to know how you feel about that, because there is there is a there is a school of thought that you have heredity, you have genes, you have what you're born with. You like, how much can you really do for yourself? I think you can do a lot. My god, I've seen people. I mean, I think you can. But what do you think? I mean, you've been in longevity and in preventive and in wellness. What do

you think question as far as are you the cards you're dealt? And can you really do anything to add to your life? Oh? Yeah, yeah, yeah, No. I think you know, there's a big misconception that you know, genetics are going to dictate what your health outcomes are going to be and that they have a good part in it, don't they as far as they're camping you, well, they can, you know, I mean, I think a good example is, you know they're recently you know,

we we do a lot of testing on a gene for Alzheimer's. Okay, right, you know if you have a certain copy of this gene, yes, it can increase your risk of getting Alzheimer's. And that's that's a fact. Right, people are testing for that now, oh for sure. But is there anything you can do about it? Like what? So when we look at all the preponderance of data on what contributes to people having something like Alzheimer's, one of the most important things that you can do is all of

the different lifestyle things. Yeah, good sleep, good exercise, good diet. But really, you know, when you handle those things, well, what are you going to do? You're going to help decrease your risk of pre diabetes and diabetes and diabetes is one of the biggest contributors to well, every kind of crime is now. Of course, it contributes to cart, it contributes to Alzheimer's. But if you you know, if you manage your

lifestyle well and optimize your your health and wellness. Even if you have one of these you know, genes, then you can significantly reduce your risk of getting Alzheimer's. Okay, and there are people that are more predisposed. Does that mean if you don't have the gene, you won't get Alzheimer's. I mean, have they gone that far? Does everyone who get Alzheimer's have that gene? No? No, good point. So you you can absolutely get

Alzheimer's irrespective of your your genotype. You know, if you do things horribly in terms of your lifestyle, you're gonna increase your risk of Alzheimer's. All right, right, I see what you're saying, whether you have the gene or not. Correct. Isn't there a confusion between dementia and Alzheimer's Aren't they two different things? Are they the same? No? So, dementia is just a kind of blanket term for people who develop some kind of cognitive problem

at some point in their life. Okay, right, usually later in their life. Yeah, Alzheimer's dementia is it's just a kind of dementia. But you could have Louis body dementia, which has elements of Parkinson's deemant yeah. So there's different types of dementia, and Alzheimer's is one of those, the most common ones. Okay, I see what you're saying. John, what's going on with you? John? Welcome? Oh? Thank you? Tom? Yeah, Tom, I had a situation here with a water heater.

What is it, sir? I bought a brand new water heater and I'm real happy with the work and the company that did it. There's no problem there. But my question to you is I paid thirty five hundred dollars and it's a fifty gallon rim water heater at how much did you pay? How much did you pay? Thirty five hundred? Okay, Well you're wondering if you overpaid, right, correct, Well you didn't overpay, because there is no overpay unless. What I mean is it's right in there with what people

charge. However, you heard me talk about euro plumbing. They would do a fifty five gallon tank at around fifteen hundred bucks. Okay, okay, fully installed with the old one taken out and hauled away. Okay, Yeah, that's what I had done here. But I'm not saying but listen, you you did I know this sounds weird. I don't know how euro Plumbing does it. In fact, I've had plumbers call me. You get mad at me, saying why can you how can you advertise that? But we

never had a complaint and they've done a great job. They do the forty gallon tank for fourteen ninety for thirteen ninety nine. Now listen, that doesn't mean thirty five hundred is bad. Was that a high efficiency? Yes? Oh? The water heater, well yeah, but rem makes both. Is it a truly high efficiency water heater? A quick recovery? When I say that, don't you say yes unless you know it, because that would be well worth it. Uh, I don't know. I'll have to Why don't

you get why don't you get the model number? The exact model number? We'll see. But as I said, no matter what, for any water heater installation, you're gonna find that's right in the ballpark. Okay, Okay, who did you have? Who did you have? Do it? I had a It used to being puter Valley. Uh huh air up here in the poor Collins. Okay. I yeah, they sold, they split up their all they deal is commercial now and I went and it's called Lions Home

Appliance. Okay. They do the residential, and I'm real happy with everything. I've had them do some work and the just recently to some other stuff with my furnace, and I'm real happy with their work. So that's no. I just sometimes I wonder, especially this, when he said thirty five hundred, I go, WHOA. You know, I kind of questioned that, but I went ahead and you know, had the work done anyway, So okay, that's cool. And I said I wouldn't look, I wouldn't

be too sad about that. I mean, yeah, it's it's higher than he could do it, but so what I mean not everyone can hit that price, and they're up in your area, so that price was not extraordinary. Go with a sure thing Denver's Best Roofer Excel Roofing. You don't pay a cent until you're content. Time for an insurance check up free, no

obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out Now three all three, seven to seven to one help You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino here three oh three seven on three Talk three oh three seven on three eight two five five. We're going into

our final hour of the show. You can call us. We'll get you right on. If you have a problem, question, complaint in any area. Again, we apologize for any technical difficulties. It's been difficult for phones and for broadband and for internet and for YouTube. So if you're wondering where we are, that's what's going on, and we apologize for that. Now

we have doctor Kelly with us from Grossman Wellness. We're talking about screenings, blood tests, a gene for Alzheimer's, and what you can do to help prevent it if it does show up. I want to know about the Grail test. They call it the Holy Grail. What is the technical name for that test? Doctor Kelly? Yeah, So the Grill test is what you call liquid biopsy and what is what does it do? Exactly? So basically you get a blood sample and within that blood sample what you're looking for is

called free cell DNA or sell free DNA. Now, this is supposed to detect every kind of cancer, right, not every No, there's limitations, all right, when we can get to that. But basically, when a tumor cell in your body dies, it shed some DNA. That DNA will have certain markers on it, which we call epigenetic markers. It's just you know, yeah, how does how does it no matter how small the tumor or what but a pin head? Oh my god? Yeah. Yeah.

So this, this particular test can detect fifty five different cancers fifty five. So when you say a tumor as small as a pinhead, when you have that, sell that it shed that is shedded or what does it tell you? Does it tell you where the tumor is? You don't know where it is? Oh? Wait, so each one has its own like signature, Each kind of tumor cell has its own signature. That's what we call epigenetics

epigenetics. So I mean it. This will very likely be an FDA approved test in the next couple of years just because sailing the data is So would it be like, for example, this tom it looks like you could have a tiny tumor in your kidney. It could come back like you could tell

me that after looking at it. Yeah. So the way that they run the tests, you know, they have done extensive testing, thousands and thousands of patients looking at you know, you do the blood test, you see what the results of the blood tests are, and then they go and look and find if you know, on imaging, if there's a little tumor there, then then they know, you know. That's how they start to gather all this data and say that this is how long it's a valid test.

It's been out about I think about four years or something. Is it really gathering a lot of accurate data? Oh? Yeah, yeah. So so the good thing about it is, you know, if you've got a negative test, you can be really confident that you that you don't have a problem. Okay, so let's say I do have the size of a pinhead or a little tiny, big or somewhere. What do I do about it? You can't even see it, can you? Yeah, so we would refer

you to an oncologist. Yeah, and the cancer doctor will perform some other tests, maybe a PET scan which can also help detect tumors, maybe some imaging. It just kind of depends on what the cancer type is, where it is, how they would go looking for it next. Okay, so then do they take it out? Do they conneticate, Oh for sure, radiated. So the goal is you find a cancer as opposed to stage four. Yeah, of course, the odds of you surviving that are not good.

If you catch it in stage one. You've got even almost before stage one. I mean it is technically stage one. People kind of call it like stage zero. But yeah, so but you know if you if you detect it in stage one, your odds of surviving that cancer are fantastic. Wow, really good. So you know, traditionally we've only been able to screen for about five different cancers. So now fifty five different forms? What cancer would it not uncover? Brain? Oh? Really, brain is one.

It won't really won't. Why is that because the brain is a very encapsulated organ. It's the same with bladder cancers too, So those cancers will contain those shdded cells, so correct. Yeah, yeah, So so the likelihood of a of a cancer cell in the brain or in the bladder urologic cancers making it into the bloodstream is less. So it's it's it's you just don't use that for detection of those. So how are they working on detections

for that? Well, there there is a similar uh quote unquote liquid biopsy urine sample that you can use to detect prostate cancers. So they're they're working on other modes for the eurologic cancers. And with brain you know, we we will do you know, total body in our eyes on people and look, look and see if they've got any kind of structural problems to their brain

or tumors in their brains. All right, we have more coming up on The Troubleshooter Show three oh three seven one three top go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh

three seven 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 d News Need advice so you don't have Russ came No shoot is good The help coming man. This is the Troubleshooter Show. No Tom Martino Hi Tom Martino here, Welcome to the show. Three oh three seven one three talks seven one three,

eight two five five. What's going on in your life? How can we help you? All you have to do is call us if you have a problem, question or complaint. And as I do every day, I talk about consumer issues that are near and dear to your heart and pocketbook. And I have a guest today, and my guest is doctor John Kelly from Grossmanwellness dot com and Grossmanwellness is h I like to call concierge service, meaning it's at your disposal basically, and it's a wellness clinic. It concentrates on wellness

and prevention and what I call being proactive with health. And part of that pro proaction is monitoring blood work. And we're going to talk about that part because so many people say, Tom, have you heard about Kinga Baloba? Or have you heard about gabba? Or have you heard about vitamin D? Have you heard about vitamin C? Have you heard about whatever it is? You know? Now, some people might need that, some people may not.

But it's amazing to me how many people read an article and then start taking supplements when it's not based on any particular test or any particular monitoring. How do you know what you need? Even people sometimes on testosterone or on any kind of a hormone replacement, do they know how that shows up in their body or if they even need it? And these are things that I think blood work does that nothing else does. And I was always fascinated by

the lack of blood work in the medical world. Really, I mean, they're quick to prescribe a drug to you, and it's I'm talking about convention acute medicine, not not the more advanced docs nowadays. So let's talk about that. Blood work tells you the the vitamin stuff, not just the sickness part or the abnormal stuff or the high cholesterol, or it tells you a lot of meaningful stuff. Vitamins. They're essential to be monitored, don't you

think. I do think so. I think you know. One of the the main ones that we look at as vitamin D. Now, vitamin Why is vitamin D so important? There're like probably ten thousand differences that it maybe more around vitamin D honestly for a reason. And the reason is vitamin D plays a huge role primarily in your immune system, but also in hormone function and bone health cancer. So it and it is one of these ones where you can overdo it as well. Yeah, and what would overdoing it be

too much? And what would it give you? What would it do? Well? You can you can get what's called vitamin detoxicity. It's hard to get, I mean I've never seen in my career, but in the literature it's there. But more importantly is you know, if you're too low, it can impact virtually every system in your body. So we keep a close eye on that. That's the primary one that we look at. Not depending on a person's symptoms or diseases, whatever their problems are, it may be

worth looking at a much deeper dive into a variety of different vitamins. Okay, so what else? What else can you tell? B vitamins, d h EA and all kinds of other things. You can tell basically what people need to take to supplement for sure, if it's warranted, we will look at a variety of different B vitamins. DHA, as you mentioned, is actually a pre hormone. But you know, we check that as part of our hormone replacement programs because it's an important building block to you know, your

your actual hormones that do all the work. But also you know, you can find interesting things you know with DHA that relate it to better longevity too. So it's you know, that's just one piece of what we look at in terms of hormone function. So so blood work is for supplements, blood

work is for hormone function. Blood work is for blood chemistry itself, and can almost anything be dealt with through the blood work that you see, I mean other than you know, where you need surgery and things like that asmost Yeah, for sure, I think the the way that I approach it is a lot of the blood work can be You can very definitively act on a lot of different markers, like if your testosterone is super low and you have no energy. You know, that's that's an easy one to fix. Some

other things like cholesterol levels, they never tell the whole picture. So that's why you know, we use a combination of imaging techniques in addition to the blood work to get a full picture of where you are in terms of your cardiovascular health. For example, blood sugar is a great one. That's an easy one to act on. You know, if you have blood sugar that is out of control, we can absolutely help you, and you do that

with a fasting blood test. You do not have to fast for every single test, but there are some that you should fast for cholesterol, blood sugar. I think those are good ones to fast forward. Can you explain to people what an A one see test shows? Yeah, and that's part of your blood by the way, people, because we've had that question before whenever we've had a doctrin. A one c is not just a blood sugar. Correct. Hemoglobin a one c is a way of looking at a three to

four month average of your blood sugar. See, that's amazing. So that's no matter what you're doing, it'll show up on an A one c more so than a fasting glucose test for example. Correct correct, Yeah, fasting blood sugar is useful, So is a blood sugar after you eat a meal. Yeah, But a hemoglobin a one c gives us a really good picture of your overall state of are you pre diabetic? Do you have diabetes? Is it way out of control diabetes? And it gives us a good marker

to act on. Can you control that marker when you are close? You can? And how do you do that? Absolutely? There are medications that can help, But I think the most important thing for changing your blood sugar is actually lifestyle and how you eat. You know, if you exercise consistently, if you get your steps in, if you do your cardio, if you lift weights, those are going to be hugely, hugely helpful. And what you eat right and what you eat absolutely if you if you consume too

much sugar, you I mean, this is a common misconception. People think that if you have diabetes, you got it for life. It's not true. You can reverse diabetes type two, you can Type two. Yeah, type two diabetes you can reverse. Now, some people, you know, maybe at a state of type two diabetes where they are going to have to

be on some medications for a while maybe or maybe forever. But some people, if you you know, if you catch it early enough and you're you know, haven't had diabetes for you know, three decades, you can absolutely reverse it. Michael, go ahead, Mike, Hi, I'm Tom Martinez. What's happening. Yeah. Kind of heard doctor oz back during the COVID

crisis on rate. Do you say that if you could getting natural sunlight, D three might have D three exposure was better than take a supplement because there's like more than fifty compounds and they're not all in a D vitamin supplement. Is that true? Yeah, it doesn't matter where you get your D. I mean a lot of us don't get sunlight anymore, or if we do, we're were we use sunblock. I mean, so what about that? Yeah, I think and you know, are the way that we work in

the modern world, nobody's getting enough sunlight. I think that what doctor Oz said is important. I think part of what I would add to that is the quality of the supplements that you get should be should be very high, not just any vitamin D off of you know, okay, right, like there are a lot of crap supplements out there. There really are there really are, So getting a very high quality supplement, any kind of supplement,

I would want it to be third party tested. Now, but back to your previous point, you know, I think that getting proper sunlight is really important for humans for a number of reasons, not just how it stimulates vitamin D synthesis, but also how it sets our circadian rhythms. So you know, you see people having a lot of problems with sleep. Part of it is how we experience light. These days, we're constantly bombarded with you know,

fluorescent lights from the cubicles that we work in. We're not getting outside. I think this is something that in the more recent research and data, we're finding that people can really help their sleep just by getting proper sun exposure. So some sun in the morning as the sun's coming up, some sun during you know, midday, full sun on you as long as you're not

burning. I think that's perfectly fine. And then some sun in the evening and that helps set our internal clock to tell us when to be awake and when to go to sleep. But a lot of people are working all day, right, so it's really hard. I mean, you have to make an effort nowadays to get out and to as you say, get your steps in or get sunlight for sure. And that's really kind of where you know, some of the reality of the kind of world that we live in.

You know, we have to be proactive about helping you know, something like a vitamin D level, because some people just can't get out in the sun enough, right, right, But if you could, it would be better to get it from sunlight. It might be, yeah, it might be, but that's why we test. Right, you might be doing everything right in terms of your sun exposure, but you might still be vitamin D deficient.

Right now, Mike, if you have a followup, Hey, Frank, I have to take a break, but I want to get started on your question. What is it? Two part question? You hear this relief factor advertising, yeah all the time, turmeric er, troll, fishal and horny goat wait and I careen. And the question is do you believe in that? You know that's it's a great question, not enough? And then facial do you worry about the mercury level? I've heard there's a website from

Canada that screens facial and checks on the mercury level. Hold on, we'll come right back to those very good questions. Very good. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free no obligation comparison call compass insurance paying too much your coverage at dozens of insurance companies find out now

three all three, seven to seven to one help. You'll think you're his only customer when you choose Frank durand the Real Estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martine, you're a troubleshooter at three three seven one three talk. So Mike wanted to know about different things. Let's talk about relief factor first.

Okay, because this is more of a non medical opinion, Mike, Okay, I know that when people are in pain they turn to almost anything. I swear to God they do. They turn to almost anything because pain is a terrible thing. And I know because I lived a good part of my life in it. Relief factor or any topical ointment of any kind, will never ever ever do anything to touch arthri it is or problems. It gives temporary relief. That's all it is. There's no cure for anything you

have. That's the problem I have with the relief factor in other things where they make it sound like a cure. It does give relief. Ben Gay gives relief anything that goes into the skin and causes a warmth and an increase in circulation. It does help feel better, but it doesn't really do anything at all, permanent nothing. It doesn't change any structure. It has some anti inflammatory properties, but mainly it is a distraction if you understand what I

mean by that. The menthols and the things, and I'm not saying like the turmeric or anything they put in it won't do anti inflammatory stuff. It will to a certain extent, but it's all temporary. And when people say I've used it and now my life has changed one, I mean, that's God bless them. But they don't have truly bad pain in arthritis, if that's what they're telling you, I mean, they just don't. Now. It does work, though, it does give you some relief, and there's

plenty of over the counter stuff that does that too. That's as far as I don't know, Doc, how you feel about the medical part of it, but that's my experience with it. Yeah, I think that pain management in general can be really complicated, and you you know, if you can find out some root causes for the pain, if it's not purely a structural problem like you know you torrir acl year or nerve pinching and pain, right, yeah, exactly. You know, figuring out if there's any root causes

I think is important. The compounds that you mentioned inside of relief factor, we certainly use those, and they have anti inflammatory components. To them and can be a tool. Yeah, I don't have any problem with that. I can't vouch for a leief factor. I don't really know much about that particular brand and how well tested it is, you know, if it's third party tested. I think that's an important thing always to consider in any supplement

that you get. And these can be complicated questions, and talking with someone who has a really good understanding of supplements I think is important as well. Now, now have you tried relief factor? Mike? Oh, you weren't the one that called about relief factor? I thought, okay, there was another guy. You must have hung up and he's listening. What what was your You're you're the one about vitamin D? Right? Yeah, And I kind of wanted shift gears. I want to what your gifts thinks of.

Maybe a big cause of diseases are from inflammation and from parasites. I E. I don't know virus is bacteria? Well, I mean inflammation is the number one. I mean inflammation is a systemic But go ahead, Doug. Yeah, you know, at the root of every chronic disease is an inflammatory

process. The question is what's driving the chronic diseases? And I think primarily it is a lifestyle and a food system that is so radically different from what we had one hundred years ago that that's why we're seeing a lot of these crime diseases. You know, anything from the food supply to how we work our sedentary lifestyles, you know, even potentially the technology that we're exposed to

your day all the time. Germs and bacteria, you know, viruses and all that they've been with us forever, and they're going to continue to be with us. And it's without an immune system we would be dead. And so many people. I mean, I remember Facebook, I swear to God during COVID, I didn't say anything against anyone. Every All I said was you will have a much better chance of not getting it if you have a strong immune system. And I was censored by Facebook for that. We're saying

that for telling people they should boost their immune system. I swear to God. False information, now, you know, I mean, we can joke about it, but it's so ridiculous, you know. Immunity, I mean, an immune system is a good thing. And I did everything that doctor Grossman told me, and I had corset and I had my regimen with vitamin D vitamin see just as I have now. And I was literally people were Deputy Doc one day, were sneezing on me at my house, sneezing on

me. I could feel a moisture. And he calls home that night and calls it's, Oh, oh my god, Tom, I'm sorry, I have COVID. And I'm thinking, oh, okay, I'm going to get it. Never got it, never ever got it. And I've been I was. I was flying my helicopter. Another guy had COVID. He calls me, Tom, I have COVID. I said, okay, I'm going to probably get it. This time. I didn't get it. I'm not saying I'm superman, but I just did everything I could to enhance my immune

system, and I think it helped. I'm not saying it secure all, but it helped. Mike, do you do stuff for yourself? Well, let me let me ask your gift. I mean. There was a nineteen ninety nine Grama Gramma Cura of American Medical Association study of like guid to Maria ten thousand or thirty thousand participants that said I showed a significant drop in cancers

and other diseases of the people that were taking selenium. You I don't know about that study, but you know, yeah, selenium is certainly that was one of the ones doctor Grossman recommended as well. For sure, for sure. You know, there was a more recent study during the COVID days of you know, people who had higher amounts of selenium in their soil, you know, in a certain region of the world, and they had fewer you

know, incidences of COVID right and coursitan. And the same for vitamin D. I mean, they're ninety percent of people who were hospitalized with COVID and died had a vitamin D deficiency I know of them when you talked about Yet, if you talked about taking vitamin D to help boost yourself, you were censored. I've never gone through a time like that in my life where talking, you know, I wasn't. I wasn't trying to harm uh Pfizer, their their their glove child. I wasn't trying to harm. Go with a

sure thing Denver's best roofer Excel roofing. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies. Find out now three O three seven 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, let's go to uh, Scott, Scott? What is your issue? Scott? Welcome to the show. Yeah, yeah, Tom, just's Scott again. I dropped right before though, Yeah, what did you what did you need? Anything specific? I wanted to ask that doctor, Yes, doctor Kell, do think what does he think of a holistic going down to Mexico and doing three weeks of treatment? I don't

even know what what is the treatment though, Scott. They do some kind of pills and you spend three weeks down there, and they take you up all of the sugars and you name it. Well, Scott, I don't think he can comment on a specific treatment, doc. I mean, but but no matter what, getting off of your sugars is not going to be a bad thing. Yeah. Yeah, and another thing I'm doing ex standy and I'm just wondering what he thinks about that. Yeah, I don't know

about that particular medication I can. I can certainly tell you that there are a lot of studies, you know, showing that when you cut out sugar you can help with cancer processes. I'm not saying sure or anything like that, but you know ketogenic diets, cutting sugar very drastically can help decrease the growth of some chancers. Just be careful, Scott when it comes to searching for treatment right now, because you're vulnerable, because you're looking for something,

and I just don't want to see you ripped off. In Mexico. I'm not saying they will rip you off, but they don't have the controls that we have here as far now. Sometimes we have too many controls. But just be careful. Look, you can do all of that healthy stuff for yourself. And I'm not sure what kind of pills they have or anything. And unless you have solid references of people that you actually know, I would kind of be very cautious. John, John, it's all about blood flow

and lower lakes. What's going on the way the arteries that's got claque built up or what they call pad, the blood flow of the lower lakes going some decaps down. Yeah, Yeah, it can happen. Doc. Yeah, that's that's a difficult situation. And usually, you know, when people have peripheral arterial disease, they've also got it everywhere else. I mean, that's just true. You know, if you've got plaque in your heart, you've got some of it in your legs. But if it's in your legs,

it's usually pretty progressed. There are certainly medications that can help improve blood flow to the legs, and also medications that can help with cardiovascular disease. You know, I would certainly be thinking about if you don't have one, see a vascular specialist, a cardiologist. You know, we certainly help people with cardiovascular disease in our practice. But it sounds like you've got a you know, a fairly significant case. Yeah. I have a quick question.

Did anyone actually do an exam with any kind of imaging to see the plaque in your legs or are you just surmising you have that or concluding you have They did, Okay, okay, okay, and at side. Yeah, that's you know, I was just curious they did They tell you, John though, that it's most likely showing up elsewhere as well. No, well, it's not going to be usually just in your extremity, Sir, you might you might want to see a good listen, a good holistic clinic,

along with a cardiologist who knows what they're doing. There are some pretty advanced cardiologists. We have some good ones right here in Colorado that can help you. But but don't just treat the legs man. Yeah, I would be if it were me, I would certainly want to know, you know, do I have coronary artery disease as well? Right? So you know, if if there hadn't been any kind of examination of your heart health, I would I would encourage that at least at least, you know, do some

things to rule it out. Yeah, all right, that's doctor Grossman. I mean doctor Kelly with doctor Grossman, doctor and that's Grossmanwellness dot com three oh three two three three forty two forty seven. Hey Marshall, I saw you there with your car issue. Hold on, please go with a sure thing Denver's best roofer Excel roofing 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 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 Martine here, let's I want to talk to Donna real quick. She has a question. Don go ahead, what is your question? Hi Tom,

Thanks for being there. When my son was a preteen, he fell and broke his leg and of course had it set and they didn't think there was any damage. Fast forward to adulthood and he starts developing vericose veins. When he was forty, he had he had Kaiser insurance and he had a blood clot. They stripped the vein, and they were supposed to take out some big vein. I forget what it's called. There is so much advancement now in vain treatment for legs. Yeah, so, and anyway, Kaiser

didn't do it. So ten years later he has the same problem, the same leg. So they take out the vein that they were supposed to take out and strip the vein. What does that do to the rest of the veins in his body. Yeah, pretty much. I mean basically, when you you know, when you take out a vein, you have so much collateral circulation depending I mean, yeah, you can't take out the most major vein and expect nothing to happen. But you know, when you take out

these varicose veins, you have a lot of collateral circulation. And you know, your your body's really good at creating new blood vessels, you know, over time. So I would hear that and think really nothing of it. Yeah, you want to get rid of those, You want to get rid of those veins because they will cause problems. Yeah. Yeah, Well, and they got rid of this. I want to call it uanymous, but that's not what the name of the of this big vein was that they finally

did get rid of. And I imagine there's one in the other leg two. They said that it was probably either that probably this particular vein was knit by the broken bone and that's origination of the injury. Yeah, yeah, yeah, that sounds right. Well, I think though, you were doing the right thing. And as he said, I mean people, people are doing it all day long. They do it just for cosmetic reasons, for goodness sakes for sure. Hey, Mike, what is your Do you have

a quick question? Mike, Yeah, I'm just one of your guest's opinion. The number one death being cancer and the number two being obesity, and the number one cause of cancer being obesity. I wonder what your guest thinks of the potential future of the jail. Right. I'm sorry, we're out of time, and I don't know if we're buying the premise that the number one cause of cancer is obesity. I'm not sure that, but anyway, doctor Kelly, it can't be good for you, right, that's for sure.

Thank you for being here. I appreciate it. Sorry, guys, we got we're out of time. Remember save all your problems for me.