1 00:00:03,600 --> 00:00:06,760 Speaker 1: Reality with the King is hosted by me, Carlos King. 2 00:00:07,080 --> 00:00:10,239 Speaker 2: I'm an executive producer who have produced some of your 3 00:00:10,240 --> 00:00:13,520 Speaker 2: favorite shows from the Real Housewives in Atlanta, New Jersey 4 00:00:13,920 --> 00:00:17,360 Speaker 2: and my own creation, The Love and Marriage Franchise and 5 00:00:17,520 --> 00:00:23,040 Speaker 2: Bell Collective. Every episode we recap reality television from the 6 00:00:23,079 --> 00:00:27,680 Speaker 2: Real Housewives Franchise to The Bachelor or Selling Sunset, in 7 00:00:27,720 --> 00:00:31,680 Speaker 2: addition to celebrity guests, whether in the unscripted space or 8 00:00:31,720 --> 00:00:32,960 Speaker 2: scripted as well. 9 00:00:35,640 --> 00:00:37,440 Speaker 1: All right, ray Jaws. Before we get in to this 10 00:00:37,560 --> 00:00:38,199 Speaker 1: episode with. 11 00:00:38,360 --> 00:00:43,640 Speaker 3: Vicky, Gova said breaking down exactly what insurance fraud is, 12 00:00:44,520 --> 00:00:47,280 Speaker 3: I want to warn you that Vicki is a working woman. 13 00:00:47,960 --> 00:00:52,599 Speaker 3: So if you hear Eddy Ding's bell's and whistles, it's 14 00:00:52,680 --> 00:00:55,800 Speaker 3: because the og of the OLC was in the middle 15 00:00:55,840 --> 00:00:59,320 Speaker 3: of a work day and she is busy as can be. 16 00:01:00,000 --> 00:01:04,360 Speaker 3: Exkews the beings, the bells and the modifications and get 17 00:01:04,400 --> 00:01:06,959 Speaker 3: into this amazing episode with Vicky. 18 00:01:07,720 --> 00:01:13,480 Speaker 1: Go on today's episode of Reality with the King. Listen. 19 00:01:14,520 --> 00:01:17,759 Speaker 2: It's not every day that I am in the presidence 20 00:01:18,000 --> 00:01:19,199 Speaker 2: of Royalty. 21 00:01:19,600 --> 00:01:21,720 Speaker 4: Oh God, my crown's a little crooked. 22 00:01:21,760 --> 00:01:22,240 Speaker 1: How's up? 23 00:01:22,880 --> 00:01:26,200 Speaker 5: Oh honey, I'm here to Celtic back front and Center 24 00:01:26,360 --> 00:01:29,960 Speaker 5: because I don't know if you know this, Vicky Goblesin, 25 00:01:30,080 --> 00:01:35,240 Speaker 5: but when I started my podcast in twenty twenty two, 26 00:01:35,480 --> 00:01:39,960 Speaker 5: my first episode, well my second episode was the top 27 00:01:40,000 --> 00:01:42,440 Speaker 5: ten greatest Housewives of all time. 28 00:01:42,840 --> 00:01:45,800 Speaker 2: And Vicky Gobalsant, you were on the list, honey, my 29 00:01:45,880 --> 00:01:51,320 Speaker 2: top five. You are also Vicky Goblesan on Carlos King's 30 00:01:51,360 --> 00:01:54,200 Speaker 2: Mouth rushmore of the greatest. 31 00:01:53,800 --> 00:01:59,720 Speaker 1: Housewives in the history of the franchise. You are a legend, 32 00:01:59,760 --> 00:02:04,720 Speaker 1: and you have no idea that ever since I. 33 00:02:04,760 --> 00:02:08,239 Speaker 2: Started my podcast, I've been wanting to talk to you, 34 00:02:08,400 --> 00:02:11,600 Speaker 2: and I feel like today it's a great time just 35 00:02:11,639 --> 00:02:16,560 Speaker 2: to really say I've obsessed, I love you, and I 36 00:02:16,600 --> 00:02:18,760 Speaker 2: figure the greatest thing to ever happen to the franchise. 37 00:02:18,760 --> 00:02:19,359 Speaker 1: So there we go. 38 00:02:19,840 --> 00:02:22,560 Speaker 4: That was awesome. I appreciate you, I really do, because 39 00:02:22,560 --> 00:02:25,600 Speaker 4: you know it's you're only as good as the last episode. 40 00:02:25,600 --> 00:02:27,160 Speaker 4: I used to care when I used to say that 41 00:02:27,200 --> 00:02:28,920 Speaker 4: we're only as good as the last episode of the 42 00:02:28,960 --> 00:02:32,919 Speaker 4: last season. But it was an incredible journey. I enjoyed it. 43 00:02:33,600 --> 00:02:35,880 Speaker 4: You know, it was on full time I think fourteen 44 00:02:36,200 --> 00:02:39,040 Speaker 4: or fifteen years, and then part time spriggled in this 45 00:02:39,120 --> 00:02:41,320 Speaker 4: last season. I wasn't on and all, which kind of 46 00:02:41,639 --> 00:02:45,200 Speaker 4: made me sad. But you know, I watched it with 47 00:02:45,280 --> 00:02:47,560 Speaker 4: one eye open and when I close, going what's going 48 00:02:47,600 --> 00:02:50,640 Speaker 4: on with this franchise? Why is everybody so angry with 49 00:02:50,680 --> 00:02:56,640 Speaker 4: each other? So, you know, it really really is interesting 50 00:02:56,680 --> 00:03:00,200 Speaker 4: to see how it all evolved after it, you know, 51 00:03:00,280 --> 00:03:04,720 Speaker 4: so many years being on. So anyway, we're where we 52 00:03:04,800 --> 00:03:07,200 Speaker 4: are for a reason. You know, we're heading into the 53 00:03:07,200 --> 00:03:10,680 Speaker 4: twentieth year. I'll be at Bravocan this year, which I'm 54 00:03:10,760 --> 00:03:14,800 Speaker 4: excited about, and you know, just trying to live my 55 00:03:14,840 --> 00:03:17,520 Speaker 4: life to the fullest. I told you that we bought 56 00:03:17,520 --> 00:03:20,359 Speaker 4: a house. Michael and I bought a house in Lakina 57 00:03:21,160 --> 00:03:23,720 Speaker 4: and we went out to the Nest last night, which 58 00:03:23,760 --> 00:03:26,240 Speaker 4: is this boldie but goodie. All the people that are 59 00:03:26,280 --> 00:03:30,080 Speaker 4: over sixty go there, and it was like I was 60 00:03:30,200 --> 00:03:33,799 Speaker 4: inundated with fans. I was forty when you know when 61 00:03:35,800 --> 00:03:38,400 Speaker 4: when I started watching you, and now I'm sixty, I'm like, okay, 62 00:03:38,480 --> 00:03:43,040 Speaker 4: that's me too. So it's fun. It's fun to see 63 00:03:43,040 --> 00:03:46,520 Speaker 4: the people, and you know, the loyal fans that really 64 00:03:46,640 --> 00:03:50,440 Speaker 4: just like you, like you've watched me evolve and grow, 65 00:03:50,560 --> 00:03:53,400 Speaker 4: my kids grow up, and my daughter's got four kids 66 00:03:53,440 --> 00:03:56,440 Speaker 4: now and my son lives in Spain, still selling insurance 67 00:03:56,440 --> 00:04:00,480 Speaker 4: for me remotely, and I'm in a committed relationship again, 68 00:04:00,560 --> 00:04:04,920 Speaker 4: so let's hope it doesn't go. Oh yeah, we're four 69 00:04:05,000 --> 00:04:08,920 Speaker 4: years now almost. In January, Kelly Dad introduced us. 70 00:04:09,200 --> 00:04:11,400 Speaker 1: What happend that happened? Bigby who? 71 00:04:12,080 --> 00:04:15,560 Speaker 4: Well, after Steve cheated on me. I was like, I'm done. 72 00:04:15,720 --> 00:04:18,080 Speaker 4: You know, I don't trust men, I don't trust anything. 73 00:04:18,120 --> 00:04:20,680 Speaker 4: I'm good by myself. And then I thought one night, 74 00:04:20,760 --> 00:04:25,160 Speaker 4: you know, because that's a little good therapy, right, you're sacrificing, 75 00:04:25,279 --> 00:04:29,240 Speaker 4: You're you're giving up things that are really important to you. 76 00:04:29,400 --> 00:04:31,839 Speaker 4: So she's like, write a list of what you what's 77 00:04:31,839 --> 00:04:34,680 Speaker 4: important to you. So I started my list and it 78 00:04:34,720 --> 00:04:37,440 Speaker 4: got to eighteen things, and Kelly called me and she's like, 79 00:04:37,440 --> 00:04:39,120 Speaker 4: I want you to meet somebody. I'm like, I'm not 80 00:04:39,320 --> 00:04:42,120 Speaker 4: dating again. I just I'm good with my girlfriends, I'm 81 00:04:42,120 --> 00:04:44,720 Speaker 4: good with my work, I'm good with my family. She's no, 82 00:04:44,839 --> 00:04:47,000 Speaker 4: I think you'd be good. I said, is he from California? 83 00:04:47,040 --> 00:04:50,120 Speaker 4: And she's like, no, he's from Texas. I said, okay, 84 00:04:50,160 --> 00:04:52,160 Speaker 4: I don't want to meet anybody from California because they 85 00:04:52,160 --> 00:04:55,760 Speaker 4: all just get divorced and cheat and lie. And I'm 86 00:04:55,800 --> 00:04:58,000 Speaker 4: saying that as a broad stroke. You know, most of 87 00:04:58,000 --> 00:05:00,799 Speaker 4: my friends that are single have not had good experience. 88 00:05:00,839 --> 00:05:03,760 Speaker 4: So I'm from Chicago. You're staying married for forever. You 89 00:05:04,160 --> 00:05:06,240 Speaker 4: go through the bumps in life, you don't bail out. 90 00:05:06,560 --> 00:05:09,240 Speaker 4: I bailed out once I got to California. I shouldn't have. 91 00:05:10,960 --> 00:05:13,560 Speaker 4: And so she introduced me to him. I'm like, Okay, 92 00:05:13,960 --> 00:05:15,840 Speaker 4: it's okay, you know, and I'm like, where are you from. 93 00:05:15,880 --> 00:05:18,839 Speaker 4: It's like Texas. I go, okay, that works. And then 94 00:05:18,880 --> 00:05:21,159 Speaker 4: it was here's my eighteen things of what I want 95 00:05:21,200 --> 00:05:23,119 Speaker 4: a man. Do you fit him? He goes, we're only 96 00:05:23,160 --> 00:05:25,200 Speaker 4: on our first date. It's not even really a date. 97 00:05:26,360 --> 00:05:28,919 Speaker 4: And Rick, so he had all of them but one, 98 00:05:29,520 --> 00:05:32,120 Speaker 4: and the one was he didn't have a boat. I'm like, 99 00:05:32,360 --> 00:05:37,239 Speaker 4: don't worry about it. Fun get the boat. Here we are. 100 00:05:38,160 --> 00:05:40,120 Speaker 4: I'm like, well, the closure, this is what I need 101 00:05:40,120 --> 00:05:42,159 Speaker 4: in a man. No cheating, the line. You have to 102 00:05:42,160 --> 00:05:44,280 Speaker 4: be self sufficient, you have to own your own business. 103 00:05:44,360 --> 00:05:45,840 Speaker 4: So here we are. 104 00:05:46,560 --> 00:05:47,799 Speaker 1: Well. Look. 105 00:05:48,160 --> 00:05:53,640 Speaker 2: One thing that I have read recently is mel Robbins. 106 00:05:54,160 --> 00:05:56,960 Speaker 1: You can heard of her, you know. 107 00:05:57,200 --> 00:06:00,440 Speaker 2: She said that if you are lucky in enough to 108 00:06:00,560 --> 00:06:05,160 Speaker 2: find a partner that has eighty percent of what you want. 109 00:06:05,240 --> 00:06:08,920 Speaker 2: You have hit the jackpot, so, VICKI I think you 110 00:06:09,040 --> 00:06:10,359 Speaker 2: hit the jock pass to start. 111 00:06:10,920 --> 00:06:13,960 Speaker 4: Well, I think so, you know, I'm very cautious still 112 00:06:14,000 --> 00:06:16,200 Speaker 4: after almost four years, I don't know. People get married. 113 00:06:16,240 --> 00:06:19,000 Speaker 4: So Kelly got married after a year, and Chamor got 114 00:06:19,000 --> 00:06:22,160 Speaker 4: married after a year, and then like, I don't need 115 00:06:22,200 --> 00:06:24,400 Speaker 4: to be married to be in a committed relationship, but 116 00:06:25,040 --> 00:06:27,360 Speaker 4: I'm a marriage person, Like, ah, my friends are married 117 00:06:27,360 --> 00:06:29,320 Speaker 4: and my family's all married. I just never want to 118 00:06:29,320 --> 00:06:31,360 Speaker 4: be divorced again. It sucks. 119 00:06:31,560 --> 00:06:36,120 Speaker 2: So yeah, anyway, yeah, well listen before we get to 120 00:06:36,200 --> 00:06:38,960 Speaker 2: today's topic, I do want to ask you this you 121 00:06:39,000 --> 00:06:39,719 Speaker 2: said earlier. 122 00:06:39,920 --> 00:06:43,400 Speaker 1: How season twenty of the show you. 123 00:06:43,480 --> 00:06:49,400 Speaker 2: Helped build Vicky Govison is approaching and everybody and their 124 00:06:49,440 --> 00:06:54,120 Speaker 2: mother is assuming that Vicky Govison will at least return 125 00:06:54,279 --> 00:06:55,960 Speaker 2: for the twentieth season. 126 00:06:56,120 --> 00:06:57,919 Speaker 1: Of the Real House of washing Wors County. 127 00:06:58,640 --> 00:07:03,440 Speaker 2: Is that something you have haven't been approached yet or 128 00:07:03,720 --> 00:07:04,440 Speaker 2: interested in? 129 00:07:05,920 --> 00:07:08,840 Speaker 4: Well, I've been approached by Tamra. She's like, we need 130 00:07:08,880 --> 00:07:11,240 Speaker 4: you back. I'm like, hold on, girl, you're not Bravo. 131 00:07:11,680 --> 00:07:14,840 Speaker 4: Stay in your lane. No, Bravo has not reached out 132 00:07:14,880 --> 00:07:17,520 Speaker 4: to me. And they're the mother of the ship. I 133 00:07:17,560 --> 00:07:20,080 Speaker 4: mean they drive the ship. So if they want me 134 00:07:20,200 --> 00:07:24,960 Speaker 4: back for good TV, quality TV, inspirational messages showing what 135 00:07:25,000 --> 00:07:27,680 Speaker 4: it's like to be a working business woman and building 136 00:07:28,200 --> 00:07:32,040 Speaker 4: real estate empires and being kind to one another, then 137 00:07:32,080 --> 00:07:34,640 Speaker 4: I'll come back. But if they want me throwing wine 138 00:07:34,680 --> 00:07:37,120 Speaker 4: glasses in somebody's space and calling people to see you 139 00:07:37,160 --> 00:07:40,360 Speaker 4: and see what does it see you next Tuesday? I 140 00:07:40,400 --> 00:07:45,120 Speaker 4: don't do that. So I have four grandchildren eyes around 141 00:07:45,160 --> 00:07:49,880 Speaker 4: me to be a role model. I don't need the money. 142 00:07:49,920 --> 00:07:52,320 Speaker 4: Although I would love the money, I don't need it. 143 00:07:53,600 --> 00:07:55,760 Speaker 4: I mean they're making big numbers now, you know, Tamar 144 00:07:55,800 --> 00:07:58,640 Speaker 4: and I were in the seven figures when I left, 145 00:07:59,600 --> 00:08:05,200 Speaker 4: so and that's but it's a hard life, you know. 146 00:08:05,360 --> 00:08:10,280 Speaker 4: I think relationships get challenged. My boyfriend wants nothing to 147 00:08:10,280 --> 00:08:13,480 Speaker 4: do with it. He's very he looks at it as 148 00:08:13,480 --> 00:08:15,880 Speaker 4: a very toxic He's like, you're selling your soul the devil, 149 00:08:15,920 --> 00:08:18,240 Speaker 4: and well, if you keep if you keep that in 150 00:08:18,280 --> 00:08:21,080 Speaker 4: mind it's just TV, then you're not selling your soul. 151 00:08:21,880 --> 00:08:25,640 Speaker 4: If it's real life that are infiltrating into your personal life. 152 00:08:25,680 --> 00:08:29,200 Speaker 4: Now we're selling our soul the devil. So I'm pretty 153 00:08:29,240 --> 00:08:32,240 Speaker 4: good about keeping in that lane of I'm only as 154 00:08:32,240 --> 00:08:35,560 Speaker 4: good as my last episode or how I film. I 155 00:08:35,600 --> 00:08:39,440 Speaker 4: don't entertain chaos in my personal life, my business life, 156 00:08:39,480 --> 00:08:42,000 Speaker 4: my friendships. I just I can't do it anymore. I 157 00:08:42,040 --> 00:08:45,600 Speaker 4: did it for as long as I could. But I 158 00:08:45,640 --> 00:08:49,760 Speaker 4: don't feel healthy with toxic people in my life. And 159 00:08:49,920 --> 00:08:52,160 Speaker 4: as you grow older, you've got to keep that crap out, 160 00:08:52,520 --> 00:08:53,720 Speaker 4: you know, or it eats that you. 161 00:08:55,000 --> 00:08:57,040 Speaker 1: Yeah, yeah, now look good. 162 00:08:57,040 --> 00:08:59,400 Speaker 2: But you, I will say to this because you look amazing. 163 00:08:59,760 --> 00:09:02,320 Speaker 2: It's that to love take his full and. 164 00:09:04,120 --> 00:09:04,280 Speaker 1: Dump. 165 00:09:04,440 --> 00:09:06,559 Speaker 4: I said, you're draining my love take. He's like, stop 166 00:09:06,600 --> 00:09:13,400 Speaker 4: with your love take. Michael's got he said, your two handfuls. 167 00:09:13,440 --> 00:09:14,679 Speaker 4: I'm like, no, not, I got this. 168 00:09:14,880 --> 00:09:18,880 Speaker 2: You know how Let's say you're you're you're a bass 169 00:09:19,120 --> 00:09:22,560 Speaker 2: and and like you said, you definitely got this. So 170 00:09:22,760 --> 00:09:26,120 Speaker 2: Rain Bobs, I wanted Vicky and I to tape an 171 00:09:26,200 --> 00:09:31,560 Speaker 2: episode today because, as we all know, in the Bravo Land, 172 00:09:31,880 --> 00:09:36,559 Speaker 2: doctor Wendy and her husband Eddie Osepho are being accused 173 00:09:36,600 --> 00:09:37,800 Speaker 2: of insurance fraud. 174 00:09:38,440 --> 00:09:42,120 Speaker 1: And what I want my audience to do right now is. 175 00:09:42,080 --> 00:09:44,959 Speaker 2: To listen to an expert in the field so that 176 00:09:45,080 --> 00:09:49,760 Speaker 2: we all can received a masterclass from Vicky Gombison when 177 00:09:49,800 --> 00:09:53,160 Speaker 2: it comes to the deuce and deult of insurance, because 178 00:09:53,280 --> 00:09:55,400 Speaker 2: there's a couple of things that these two are being 179 00:09:55,440 --> 00:09:58,480 Speaker 2: accused of that I wanted to talk to Vicky about. 180 00:09:58,520 --> 00:09:59,959 Speaker 1: So listen, rain Drops. 181 00:10:00,120 --> 00:10:03,600 Speaker 2: As you know, vick and Gobison is the founder of 182 00:10:03,720 --> 00:10:07,080 Speaker 2: Culture Insurance. She has been in the business for over 183 00:10:07,200 --> 00:10:15,600 Speaker 2: thirty four years and clouting with over sixteen thousand clients 184 00:10:15,960 --> 00:10:18,640 Speaker 2: in her tenure in the business, and as we all 185 00:10:18,679 --> 00:10:21,800 Speaker 2: know for Wonderful Sung Michael is a part of the 186 00:10:21,920 --> 00:10:25,360 Speaker 2: business as well, so she gets creating a family business. 187 00:10:25,800 --> 00:10:29,720 Speaker 2: And who better yet to talk to about this topic 188 00:10:30,240 --> 00:10:31,080 Speaker 2: than Vickie. 189 00:10:31,600 --> 00:10:37,920 Speaker 4: Yeah, I'm very emotionally responsible and connected to this because 190 00:10:38,040 --> 00:10:41,079 Speaker 4: you know, we all pay premiums on either our health 191 00:10:41,120 --> 00:10:46,840 Speaker 4: insurance or our jewelry insurance or our home insurance. Life 192 00:10:46,840 --> 00:10:50,840 Speaker 4: insurance is one of our specialties. And when you look 193 00:10:50,840 --> 00:10:55,240 Speaker 4: at somebody taking advantage of an insurance policy collecting on it, 194 00:10:55,559 --> 00:10:59,320 Speaker 4: when we're all absorbing the cost of our premiums rising, 195 00:10:59,520 --> 00:11:02,120 Speaker 4: you know, just like the Ala fires. You know, people 196 00:11:02,160 --> 00:11:03,839 Speaker 4: are still trying to collect on that. But when we 197 00:11:03,920 --> 00:11:06,800 Speaker 4: get down to jewelry insurance. She had to itemize all 198 00:11:06,840 --> 00:11:11,520 Speaker 4: those pieces, her rings or jewelry purses, whatever it was. 199 00:11:11,559 --> 00:11:13,880 Speaker 4: So you literally have to itemize because your home owners 200 00:11:13,920 --> 00:11:17,520 Speaker 4: insurance will collect maybe five thousand dollars let's just say 201 00:11:17,600 --> 00:11:18,760 Speaker 4: as a finder on that. 202 00:11:18,920 --> 00:11:19,560 Speaker 1: But when you. 203 00:11:19,640 --> 00:11:23,240 Speaker 4: Itemize your jewelry, you pay a premium for that. And 204 00:11:23,320 --> 00:11:27,040 Speaker 4: when you take advantage of that policy and lie supposedly 205 00:11:27,679 --> 00:11:32,120 Speaker 4: and collect a pretty large dollar amount from that itemization, 206 00:11:32,360 --> 00:11:36,000 Speaker 4: it's very clear if she did wear the ring that 207 00:11:36,080 --> 00:11:41,800 Speaker 4: she said that was, you know, stolen. That's fraud, just 208 00:11:41,840 --> 00:11:44,600 Speaker 4: like if we don't pay our taxes, it's fraud. You know, 209 00:11:44,720 --> 00:11:46,640 Speaker 4: you're going to pay for it some way. You're gonna 210 00:11:46,679 --> 00:11:49,040 Speaker 4: go to jail, you're gonna have precisions of paying back. 211 00:11:49,440 --> 00:11:53,360 Speaker 4: But you know, I played by the book I have always, 212 00:11:53,400 --> 00:11:57,480 Speaker 4: and I tell my clients, you know you're itemizing this 213 00:11:57,679 --> 00:11:59,720 Speaker 4: or you're insuring your home for X amount of dollars. 214 00:11:59,760 --> 00:12:02,000 Speaker 4: A lot of people are under insured on their homes 215 00:12:02,080 --> 00:12:04,560 Speaker 4: right now because the premiums have gone up so hard, 216 00:12:04,800 --> 00:12:07,280 Speaker 4: and then when the fire happens or a flood happens, 217 00:12:07,280 --> 00:12:09,560 Speaker 4: then they're blaming the insurance company they didn't cover it. 218 00:12:09,720 --> 00:12:14,480 Speaker 4: Like you lowered your your benefits and you increase your 219 00:12:14,520 --> 00:12:16,760 Speaker 4: deductible to save money on the premiums, and now you've 220 00:12:16,760 --> 00:12:20,360 Speaker 4: got to be again, we're innocent until proven guilty. It 221 00:12:20,360 --> 00:12:23,920 Speaker 4: doesn't look good for them. It just doesn't when you're prosecuted. 222 00:12:23,960 --> 00:12:26,880 Speaker 4: I don't know a year later on a claim that 223 00:12:26,920 --> 00:12:31,160 Speaker 4: you filed. There's been behind the scenes investigations to get 224 00:12:31,200 --> 00:12:33,920 Speaker 4: to this place. So shame on them if they did, 225 00:12:33,960 --> 00:12:36,280 Speaker 4: because we're all paying the premiums for people that are 226 00:12:36,280 --> 00:12:37,280 Speaker 4: not ethical. 227 00:12:39,600 --> 00:12:42,400 Speaker 2: This is reality with the King, and I'm Carlos King. 228 00:12:42,880 --> 00:12:44,679 Speaker 1: Let's get back into the show. 229 00:12:46,120 --> 00:12:48,760 Speaker 2: Talk to me about this. You said something that I 230 00:12:48,840 --> 00:12:52,840 Speaker 2: definitely want to get into. You mentioned how yes, in 231 00:12:52,880 --> 00:12:55,560 Speaker 2: twenty twenty four, Theoseseephos. 232 00:12:54,920 --> 00:12:56,680 Speaker 1: Said their house burglar rise. 233 00:12:57,200 --> 00:13:01,640 Speaker 2: And because of that they file three playbout claims from 234 00:13:01,720 --> 00:13:05,280 Speaker 2: three different insurance companies. So before I can do what 235 00:13:05,320 --> 00:13:07,120 Speaker 2: happened a here later, I do want to ask you 236 00:13:07,200 --> 00:13:09,480 Speaker 2: this because this was confusing thinking to a lot of 237 00:13:09,559 --> 00:13:11,160 Speaker 2: us due to. 238 00:13:11,080 --> 00:13:12,920 Speaker 1: The burglary that arose. 239 00:13:12,960 --> 00:13:19,920 Speaker 2: Allegedly, they have home site insurance, Jeweler's Mutual insurance, and 240 00:13:20,120 --> 00:13:21,720 Speaker 2: Travelers Insurance. 241 00:13:22,000 --> 00:13:26,640 Speaker 1: Before I came to the detail with a house gin burglarise. 242 00:13:27,000 --> 00:13:32,560 Speaker 2: Is it typical to go through three different insurance companies 243 00:13:33,040 --> 00:13:35,880 Speaker 2: for fifty seven items that were allegedly stolen? 244 00:13:37,280 --> 00:13:40,239 Speaker 4: Well, fifty seven items is a lot. You can't memorize 245 00:13:40,280 --> 00:13:44,160 Speaker 4: all fifty seven. So obviously she had them itemized. And 246 00:13:44,720 --> 00:13:47,680 Speaker 4: I have Jeweler's Mutual for my jewelry from my diamond rings, 247 00:13:47,679 --> 00:13:50,199 Speaker 4: for my diamond earrings and things like that. But obviously 248 00:13:50,200 --> 00:13:52,680 Speaker 4: it's not fifty seven. I got like four items. She's 249 00:13:52,679 --> 00:13:55,880 Speaker 4: play a big premium on that. Now Travelers might have 250 00:13:55,920 --> 00:13:59,040 Speaker 4: been her homeowner's insurance, so then she has a jewelry claim, 251 00:13:59,679 --> 00:14:01,840 Speaker 4: a home home owners claim, and then what was the 252 00:14:01,880 --> 00:14:06,520 Speaker 4: third one? So Travelers Jewelers Mutual, and what was the 253 00:14:06,520 --> 00:14:12,439 Speaker 4: third one? Okay, so she's got maybe laddered the coverages 254 00:14:12,880 --> 00:14:18,000 Speaker 4: for if and when a burglary happens. Most people, as 255 00:14:18,040 --> 00:14:22,600 Speaker 4: a broadstroke, have jewelry insurance itemized and then their homeowners insurance, 256 00:14:22,960 --> 00:14:26,080 Speaker 4: and homeowners insurance typically does not cover jewelry up to 257 00:14:26,240 --> 00:14:28,480 Speaker 4: maybe a cap of five thousand dollars, so she had 258 00:14:28,520 --> 00:14:31,760 Speaker 4: to itemize if she had that many items. I don't 259 00:14:31,800 --> 00:14:35,080 Speaker 4: really understand how she can collect on all three because 260 00:14:35,080 --> 00:14:39,200 Speaker 4: typically it's a policy that Oh you're claiming on that, 261 00:14:39,280 --> 00:14:42,240 Speaker 4: so we're not going to cover on this. So there's 262 00:14:42,240 --> 00:14:44,320 Speaker 4: a lot of funny stuff going on there. I'm not 263 00:14:44,440 --> 00:14:48,119 Speaker 4: in claims. I write policies, and when I write the policies, 264 00:14:48,160 --> 00:14:51,960 Speaker 4: obviously we very much disclose. If you lied, sheet steal 265 00:14:52,040 --> 00:14:54,600 Speaker 4: and make a claim that's not ethical, it is fraud 266 00:14:54,680 --> 00:14:59,280 Speaker 4: and you will be punished by jail for resending pain 267 00:14:59,400 --> 00:15:02,480 Speaker 4: back to the claim. Just like if you crash your car 268 00:15:02,520 --> 00:15:06,560 Speaker 4: into a wall and you said some miss you, it's 269 00:15:06,680 --> 00:15:10,360 Speaker 4: it's illegal. So you have to do things ethically. And 270 00:15:10,480 --> 00:15:13,440 Speaker 4: in my business, I'm part of the National Ethics Bureau, 271 00:15:13,920 --> 00:15:16,680 Speaker 4: I'm licensed by the Department of Insurance. We have an 272 00:15:16,680 --> 00:15:21,720 Speaker 4: oath of conduct as an agent as a professional business owner, 273 00:15:21,960 --> 00:15:25,360 Speaker 4: and I teach and tell my clients this is this 274 00:15:25,440 --> 00:15:28,480 Speaker 4: is a policy that's there when you need it. It's 275 00:15:28,520 --> 00:15:32,880 Speaker 4: not there to take advantage of. So, you know, she 276 00:15:33,040 --> 00:15:35,320 Speaker 4: maybe she thought she got away with it. I don't know. 277 00:15:35,400 --> 00:15:38,120 Speaker 4: Allegedly is a big word, but it doesn't look good 278 00:15:38,160 --> 00:15:40,080 Speaker 4: for them, right. 279 00:15:41,240 --> 00:15:44,080 Speaker 2: Well, that's that's what people are saying because what you 280 00:15:44,120 --> 00:15:49,720 Speaker 2: said earlier is, well, we'll talk about when someone files 281 00:15:49,800 --> 00:15:52,680 Speaker 2: an insurance claim, the fact. 282 00:15:52,520 --> 00:15:56,600 Speaker 1: That a year later, we now know that they were 283 00:15:56,760 --> 00:16:00,160 Speaker 1: prosecuted for these a less prize. 284 00:16:01,680 --> 00:16:04,960 Speaker 2: The police said that there's fighting senses on pair of 285 00:16:04,960 --> 00:16:07,920 Speaker 2: prison course went up when they assessed the home that 286 00:16:08,040 --> 00:16:11,680 Speaker 2: was allegedly burglarized and they felt like going through the 287 00:16:11,720 --> 00:16:16,760 Speaker 2: second floor of the home didn't seem realistic. 288 00:16:17,120 --> 00:16:19,800 Speaker 1: They found no debris from. 289 00:16:19,560 --> 00:16:23,120 Speaker 2: The alligure robbers in the house and because of that, 290 00:16:23,840 --> 00:16:27,560 Speaker 2: they've also said that based on insurance and I want 291 00:16:27,600 --> 00:16:31,440 Speaker 2: to make sure I get this accurate. Travelers Insurance NICKY 292 00:16:31,760 --> 00:16:35,680 Speaker 2: paid them over twenty five thousand dollars, including four thousand 293 00:16:35,720 --> 00:16:40,200 Speaker 2: and five hundred for a diamond anniversary bring, but questions 294 00:16:40,280 --> 00:16:45,680 Speaker 2: to a rose as investigators and insurers noticed red flags 295 00:16:46,080 --> 00:16:50,120 Speaker 2: the lack of force, entrigue, security systems showing no disturbances, 296 00:16:50,600 --> 00:16:55,160 Speaker 2: and returned luxury items that were later listed as stolen. 297 00:16:55,720 --> 00:16:57,440 Speaker 1: Jeweler's Neutral and Home. 298 00:16:57,280 --> 00:17:02,160 Speaker 2: Site also received claims and homes I ultimately denied theirs 299 00:17:02,600 --> 00:17:05,280 Speaker 2: after inconsistencies were recovered. 300 00:17:07,480 --> 00:17:08,879 Speaker 1: When some files for. 301 00:17:08,920 --> 00:17:14,680 Speaker 2: An insurance claim and a year later they're prosecuted, how 302 00:17:15,200 --> 00:17:19,640 Speaker 2: much work does the insurance company go into discovering if 303 00:17:19,720 --> 00:17:21,320 Speaker 2: this claim is accurate? 304 00:17:22,119 --> 00:17:25,040 Speaker 4: A lot of work? How much did they totally pay out. 305 00:17:25,080 --> 00:17:27,920 Speaker 4: I thought it was over four hundred thousand combined. 306 00:17:28,720 --> 00:17:29,560 Speaker 1: So that was the thing. 307 00:17:29,960 --> 00:17:34,720 Speaker 2: Closide insurance, the maximum policy was four hundred and I 308 00:17:34,760 --> 00:17:36,760 Speaker 2: believe twenty three thousand dollars. 309 00:17:37,119 --> 00:17:42,160 Speaker 1: They said that allegedly the husband sent an email to his. 310 00:17:42,119 --> 00:17:45,399 Speaker 2: Wife Wendy, saying, add more items so that we can 311 00:17:45,480 --> 00:17:51,640 Speaker 2: reach the maximum policy, which was allegedly awesomely paid off paid. 312 00:17:52,480 --> 00:17:55,879 Speaker 4: Yeah, that's guilt right there. Insurance company used to have 313 00:17:56,000 --> 00:17:58,520 Speaker 4: to go through just like a murder or you know, 314 00:17:58,560 --> 00:18:00,520 Speaker 4: something like that. They want to know what they're up 315 00:18:00,520 --> 00:18:05,199 Speaker 4: against to prosecute. They obviously have done their homework and 316 00:18:06,280 --> 00:18:14,000 Speaker 4: I but she wouldn't. She sends a email like what 317 00:18:14,119 --> 00:18:20,000 Speaker 4: was stolen? Is it over forty items stolen? She itemized 318 00:18:20,040 --> 00:18:23,960 Speaker 4: all those So I don't know. It just doesn't look good. 319 00:18:25,040 --> 00:18:26,040 Speaker 1: It doesn't look good. 320 00:18:26,440 --> 00:18:29,040 Speaker 4: Is it just abnormal for the housewife or is it 321 00:18:29,119 --> 00:18:31,120 Speaker 4: just the world we're in? I don't know. 322 00:18:32,200 --> 00:18:34,960 Speaker 1: Well, I want to ask you this, there's a lot 323 00:18:34,960 --> 00:18:37,879 Speaker 1: of housewives who are in big trouble. When it comes 324 00:18:37,920 --> 00:18:41,840 Speaker 1: to a lesser crimes that are being committed. You are 325 00:18:41,960 --> 00:18:43,560 Speaker 1: the og w olc. 326 00:18:43,880 --> 00:18:46,400 Speaker 2: There will be no real housewives franchise because it wasn't 327 00:18:46,440 --> 00:18:49,240 Speaker 2: for the work you did since season one, and you've 328 00:18:49,280 --> 00:18:51,800 Speaker 2: been on this show, like you said, for fifteen seasons. 329 00:18:52,200 --> 00:18:53,920 Speaker 1: I want to ask you this because there's no better 330 00:18:53,960 --> 00:18:59,280 Speaker 1: person to ask this question too. Is it difficult for 331 00:18:59,520 --> 00:19:00,520 Speaker 1: a real house. 332 00:19:00,320 --> 00:19:06,240 Speaker 2: By today, in today's time, with social media and everything else, 333 00:19:06,840 --> 00:19:10,520 Speaker 2: to sort of keep up with the Joneses and portray 334 00:19:10,640 --> 00:19:13,439 Speaker 2: a lifestyle that they can't afford. 335 00:19:13,800 --> 00:19:16,160 Speaker 4: I mean we can see it across the board every 336 00:19:16,200 --> 00:19:20,320 Speaker 4: franchise everything. You know, we've got people renting houses because 337 00:19:20,359 --> 00:19:23,960 Speaker 4: they don't manage their money. I've never rented in my life, 338 00:19:24,000 --> 00:19:26,359 Speaker 4: not that renting is bad, but you've got to have 339 00:19:26,400 --> 00:19:30,160 Speaker 4: a goal in mind to start getting equity in California, 340 00:19:30,320 --> 00:19:33,479 Speaker 4: are equity in our homes is our everything? And you know, 341 00:19:34,200 --> 00:19:37,400 Speaker 4: living beyond your means is also a huge thing. The clothing, 342 00:19:37,520 --> 00:19:42,119 Speaker 4: the jewelry, the cars, the you know, facade. It's just 343 00:19:42,640 --> 00:19:45,959 Speaker 4: to me, it's like, what are you doing? And I 344 00:19:46,000 --> 00:19:49,800 Speaker 4: think Bravo feeds into it. Love you Bravo, but it's 345 00:19:50,080 --> 00:19:52,400 Speaker 4: one franchise is doing this and then the other one has. 346 00:19:52,440 --> 00:19:53,919 Speaker 4: Oh I have to be better than her, I have 347 00:19:53,960 --> 00:19:56,760 Speaker 4: to look better than her. I mean here's a perfect example. 348 00:19:56,880 --> 00:20:02,480 Speaker 4: Miami housewives are perfectly beautifully groomed women, gorgeous clothes, but 349 00:20:02,520 --> 00:20:04,720 Speaker 4: I think they can afford it. I don't know they're 350 00:20:04,840 --> 00:20:08,080 Speaker 4: net worth, but you can tell the lifestyle they have 351 00:20:08,320 --> 00:20:11,359 Speaker 4: in the class of ladies and their friends. And then 352 00:20:11,400 --> 00:20:13,280 Speaker 4: you go to some of the other franchises, it's like, 353 00:20:13,760 --> 00:20:16,159 Speaker 4: what is she wearing and why is she saying that 354 00:20:16,200 --> 00:20:18,440 Speaker 4: when we know she's in financial problems she owns the 355 00:20:18,480 --> 00:20:23,280 Speaker 4: irs or it just I go crazy with it because 356 00:20:23,359 --> 00:20:26,880 Speaker 4: I pay fifty percent of my income is in taxes, 357 00:20:26,920 --> 00:20:30,360 Speaker 4: thirty eight percent federal and another twelve percent state, and 358 00:20:31,400 --> 00:20:33,840 Speaker 4: those taxes are paid before I do anything, because it's 359 00:20:33,840 --> 00:20:36,160 Speaker 4: not my money. And I see some of the women 360 00:20:36,440 --> 00:20:39,719 Speaker 4: on my cast have snowballed and oh, I'll pay the 361 00:20:39,760 --> 00:20:42,200 Speaker 4: taxes from last year when I get my next year's contract. 362 00:20:42,240 --> 00:20:45,040 Speaker 4: That's crazy shit. And then you got penalties and interest 363 00:20:45,119 --> 00:20:47,680 Speaker 4: in all this stuff. So I do my very best 364 00:20:47,680 --> 00:20:49,840 Speaker 4: in educating every cast member that comes on to get 365 00:20:49,880 --> 00:20:51,639 Speaker 4: my Excel spreadsheet. And by the way, when you get 366 00:20:51,680 --> 00:20:53,639 Speaker 4: paid that X amount of dollars you pay federal and 367 00:20:53,720 --> 00:20:56,880 Speaker 4: state and then you carry on with whatever's net because 368 00:20:57,000 --> 00:21:00,240 Speaker 4: you get paid as at ten to ninety nine don't 369 00:21:00,240 --> 00:21:02,639 Speaker 4: get paid as a W two, So there's no. 370 00:21:02,720 --> 00:21:05,159 Speaker 1: Chan explained that not to interrupt you, but explained to 371 00:21:05,200 --> 00:21:06,840 Speaker 1: the audience. I mean, I know that. He explained to 372 00:21:06,880 --> 00:21:09,400 Speaker 1: me how a lot of reality. 373 00:21:08,960 --> 00:21:11,760 Speaker 2: Stars of public biggures get paid ten ninety nine and 374 00:21:12,440 --> 00:21:12,920 Speaker 2: two and what. 375 00:21:12,880 --> 00:21:13,880 Speaker 1: The difference is. Right. 376 00:21:14,280 --> 00:21:16,320 Speaker 4: So let's say, for instance, I got to check for 377 00:21:16,400 --> 00:21:19,720 Speaker 4: fifty thousand dollars for Bravo. I will immediately pay twenty 378 00:21:19,760 --> 00:21:23,560 Speaker 4: five thousand. Now I put it towards the federal in 379 00:21:23,640 --> 00:21:26,399 Speaker 4: state and then I met twenty five. But in a 380 00:21:26,440 --> 00:21:30,040 Speaker 4: paycheck scenario, they would already take out the federal in state. 381 00:21:30,359 --> 00:21:32,919 Speaker 4: You have to be responsible enough to do that yourself. 382 00:21:33,400 --> 00:21:35,880 Speaker 4: So I don't wait for quarterly payments. I don't wait 383 00:21:35,920 --> 00:21:37,240 Speaker 4: till the end of the year. I do it the 384 00:21:37,280 --> 00:21:39,639 Speaker 4: day I get paid, because it's not my money. And 385 00:21:39,720 --> 00:21:42,919 Speaker 4: so teaching some of the other cast members, it's like, okay, 386 00:21:43,040 --> 00:21:46,520 Speaker 4: stop with yourself. You are not suspend the paycheck. It's 387 00:21:46,520 --> 00:21:50,040 Speaker 4: not yours. Half of it goes away. So but my 388 00:21:50,119 --> 00:21:53,679 Speaker 4: CPA says, Vicky, you're just too responsible and you don't 389 00:21:54,000 --> 00:21:55,680 Speaker 4: let a day go bias it because I don't want 390 00:21:55,680 --> 00:21:57,840 Speaker 4: to spend the money and that's not mine. And so 391 00:21:57,920 --> 00:22:00,400 Speaker 4: she's like, okay, you're one of the old the ones. 392 00:22:00,440 --> 00:22:02,720 Speaker 4: Usually they paid quarterly, I said, then they got penalties 393 00:22:02,760 --> 00:22:06,640 Speaker 4: and interest. I'm not doing it. So we already pay 394 00:22:06,720 --> 00:22:08,560 Speaker 4: enough in taxes. I don't need to pay them anymore. 395 00:22:11,040 --> 00:22:15,960 Speaker 2: Do you do you personally talk to reality stars about 396 00:22:16,119 --> 00:22:20,520 Speaker 2: this sort of the ways of being financially secure, because 397 00:22:20,520 --> 00:22:22,560 Speaker 2: you're really big on being a working woman. 398 00:22:22,840 --> 00:22:26,160 Speaker 1: You're really big on not depending on a man. You're 399 00:22:26,200 --> 00:22:27,959 Speaker 1: really big on beyond your means. 400 00:22:28,040 --> 00:22:30,159 Speaker 2: Do you take a personal interest in tell some of 401 00:22:30,200 --> 00:22:32,879 Speaker 2: your former castmates, some of the girls on the show, 402 00:22:33,119 --> 00:22:34,920 Speaker 2: other housewives, how to do it properly. 403 00:22:35,640 --> 00:22:36,760 Speaker 4: I do, but they don't listen. 404 00:22:39,000 --> 00:22:39,400 Speaker 1: They don't. 405 00:22:39,440 --> 00:22:43,159 Speaker 4: They don't listen. It drives me crazy, it does. It 406 00:22:43,240 --> 00:22:45,480 Speaker 4: drives me crazy, especially in my cast. I don't go 407 00:22:45,520 --> 00:22:46,800 Speaker 4: over to Miami and say, oh, by the way, did 408 00:22:46,840 --> 00:22:49,920 Speaker 4: you pay your federals? Don't do that. But my cast, 409 00:22:49,960 --> 00:22:52,280 Speaker 4: if they'll listen to me, they'll never be in trouble. 410 00:22:53,359 --> 00:22:55,760 Speaker 4: So there we go. 411 00:22:56,320 --> 00:22:56,800 Speaker 1: There you go. 412 00:22:58,119 --> 00:23:00,680 Speaker 2: One of the things that yourself was a a Vickie 413 00:23:00,720 --> 00:23:03,840 Speaker 2: that I really want to drill down into is the 414 00:23:03,920 --> 00:23:11,200 Speaker 2: allegation of double dipping, so allegedly the diamond ring they 415 00:23:11,359 --> 00:23:15,600 Speaker 2: first called the claim to home Site Insurance, who denied it. 416 00:23:16,480 --> 00:23:19,880 Speaker 2: I'm sorry, home Side Insurance, who paid them twenty five 417 00:23:21,080 --> 00:23:25,639 Speaker 2: eighty dollars for that. Then that same ring, they tried 418 00:23:25,640 --> 00:23:30,200 Speaker 2: to get the money from Jeweler's Mutual Insurance without informing 419 00:23:30,240 --> 00:23:35,359 Speaker 2: them that they were already paid out allegedly from home Site. 420 00:23:35,840 --> 00:23:39,000 Speaker 1: Is that illegal? 421 00:23:39,520 --> 00:23:43,600 Speaker 4: Illegal as illegal? Can't do that. First of all, the 422 00:23:43,640 --> 00:23:49,439 Speaker 4: fact that Homesite andrelus Virtual allowed the same jewelry to 423 00:23:49,600 --> 00:23:57,720 Speaker 4: be itemized on each on each policy, one should have disclosed. 424 00:23:58,160 --> 00:24:00,920 Speaker 4: Let's say I put my help myself in here, I 425 00:24:00,920 --> 00:24:04,160 Speaker 4: have Jueler's Mutual and I have you know, John Hancock 426 00:24:04,200 --> 00:24:06,720 Speaker 4: for my homeowners, and let's say I itemize them both. 427 00:24:07,240 --> 00:24:12,040 Speaker 4: You should, as a responsible human, disclose to one of 428 00:24:12,080 --> 00:24:14,200 Speaker 4: them that, oh, by the way, this is all itemized 429 00:24:14,200 --> 00:24:17,119 Speaker 4: over there, but it's not over here. You can't double dip. 430 00:24:17,240 --> 00:24:20,320 Speaker 4: I mean, insurance companies are one of the richest entities 431 00:24:20,320 --> 00:24:22,600 Speaker 4: in the world, and people think, oh, I've paid these 432 00:24:22,640 --> 00:24:24,680 Speaker 4: premiums for this money years and I'm just going to 433 00:24:24,720 --> 00:24:29,119 Speaker 4: double dip. You can't do that. It's illegal. So very 434 00:24:30,040 --> 00:24:35,760 Speaker 4: you know if it's easy money, it typically is illegal. Sorry, 435 00:24:35,880 --> 00:24:39,080 Speaker 4: I may have said something wrong, but nothing in life 436 00:24:39,160 --> 00:24:41,600 Speaker 4: is easy. I work really, really hard for every dollar 437 00:24:41,600 --> 00:24:44,600 Speaker 4: I have, and it's not easy. But I'm grateful and 438 00:24:44,640 --> 00:24:47,240 Speaker 4: thankful for my clients that trust in me, and the 439 00:24:47,280 --> 00:24:50,720 Speaker 4: life insurance Michael's my life insurance specialist, and all those 440 00:24:50,760 --> 00:24:54,000 Speaker 4: things that we do for people. It's just it's not easy. 441 00:24:54,600 --> 00:24:57,320 Speaker 4: So if I was going to be in an insurance 442 00:24:57,359 --> 00:25:00,600 Speaker 4: agent and make a claim, that's wrong. So I lose 443 00:25:00,680 --> 00:25:03,679 Speaker 4: my business, I lose my license. Okay, let's say I 444 00:25:03,680 --> 00:25:06,000 Speaker 4: collect one or two hundred thousand dollars. Is that worth 445 00:25:06,080 --> 00:25:09,920 Speaker 4: going to jail? Is that worth getting free money illegally? No, 446 00:25:10,160 --> 00:25:12,120 Speaker 4: it's robbing. Somebody can do it. 447 00:25:14,400 --> 00:25:17,600 Speaker 2: And just to make sure I got this right, Range 448 00:25:17,640 --> 00:25:21,760 Speaker 2: Job Travelers reportedly paid the twenty five three hundred and 449 00:25:21,760 --> 00:25:26,000 Speaker 2: eighty dollars, including the forty five hundred dollars for the 450 00:25:26,119 --> 00:25:29,840 Speaker 2: diamond anniversary bring, while home Site denied their claim after 451 00:25:29,880 --> 00:25:31,399 Speaker 2: discovery and consistencies. 452 00:25:31,720 --> 00:25:34,080 Speaker 1: So I wanted to make sure I got that right, Vicky. 453 00:25:34,240 --> 00:25:37,920 Speaker 1: Did you hear her that allegedly the diamond ring that 454 00:25:38,080 --> 00:25:39,320 Speaker 1: they claim was stolen. 455 00:25:41,200 --> 00:25:45,280 Speaker 2: Prosecutors are alleging that Wendy wore it in a recent 456 00:25:45,359 --> 00:25:50,800 Speaker 2: photo on social media. Now some people are saying that, look, 457 00:25:51,480 --> 00:25:54,200 Speaker 2: maybe she got a replica of the ring. 458 00:25:54,880 --> 00:25:58,520 Speaker 1: It's the money towards that. What what do you think 459 00:25:58,560 --> 00:26:02,679 Speaker 1: about that. 460 00:26:00,760 --> 00:26:03,879 Speaker 4: That can happen? You know, I years ago I lost 461 00:26:03,960 --> 00:26:07,119 Speaker 4: my It was a diamond ring that had like four 462 00:26:07,240 --> 00:26:10,639 Speaker 4: or five different bands on one ring, and I was 463 00:26:10,680 --> 00:26:14,119 Speaker 4: in Bali and I put it in a glass next 464 00:26:14,160 --> 00:26:17,280 Speaker 4: to my dresser, and when I checked out, I left 465 00:26:17,320 --> 00:26:19,480 Speaker 4: the ring in there, So I knew that right away. 466 00:26:19,520 --> 00:26:20,800 Speaker 4: When I was in the car, I'm like, okay, I 467 00:26:20,880 --> 00:26:22,119 Speaker 4: left my ring in there. We're going to turn the 468 00:26:22,119 --> 00:26:23,959 Speaker 4: bus around, come back. They're like, there's no ring in there, 469 00:26:23,960 --> 00:26:26,280 Speaker 4: and I knew it was in there. So I called 470 00:26:26,280 --> 00:26:28,880 Speaker 4: my jeweler and I said, listen, my ring is gone. 471 00:26:29,000 --> 00:26:31,800 Speaker 4: And it was itemized and it wasn't a lot. I 472 00:26:31,800 --> 00:26:34,439 Speaker 4: mean it was like eight thousand dollars and she's like, 473 00:26:34,560 --> 00:26:37,280 Speaker 4: you already itemize this, Well, we'll replace it because it 474 00:26:37,280 --> 00:26:40,600 Speaker 4: was a beautiful ring. So those type of things can 475 00:26:40,680 --> 00:26:43,120 Speaker 4: be done. And she could have maybe done cubic zirconia. 476 00:26:43,280 --> 00:26:47,400 Speaker 4: She could have done you know, who knows, But there's 477 00:26:47,520 --> 00:26:51,280 Speaker 4: lab mind diamonds now wherech don't cost a lot to redo. 478 00:26:52,040 --> 00:26:54,320 Speaker 4: I don't know the story there, but you can have 479 00:26:54,400 --> 00:26:57,280 Speaker 4: another ring made that looks like the other one, if that, 480 00:26:57,480 --> 00:27:02,440 Speaker 4: in fact was stolen. So I don't know. It's the 481 00:27:02,480 --> 00:27:07,399 Speaker 4: whole forty two items or whatever the number was like itemized. 482 00:27:07,400 --> 00:27:09,880 Speaker 4: That's crazy. That's a lot of freaking jewelry, and that 483 00:27:09,920 --> 00:27:13,760 Speaker 4: premium was high because if you itemized all those things. 484 00:27:13,800 --> 00:27:16,240 Speaker 4: I mean, I've got a Rolics watch and a Cardier 485 00:27:16,359 --> 00:27:18,919 Speaker 4: watch and they're in my safe, and two of the 486 00:27:18,960 --> 00:27:21,480 Speaker 4: watches are itemized, and my other Michael Cores is not. 487 00:27:21,560 --> 00:27:24,240 Speaker 4: It's like I only itemized stuff that would be difficult 488 00:27:24,359 --> 00:27:27,920 Speaker 4: to replace. But if they're if they're in my house, 489 00:27:27,960 --> 00:27:29,840 Speaker 4: they're in my safe. So I don't know where she 490 00:27:29,840 --> 00:27:32,400 Speaker 4: had all these forty two items at. Did they break 491 00:27:32,440 --> 00:27:36,280 Speaker 4: into her safe? I don't know. Whole thing smells very fishy. 492 00:27:37,200 --> 00:27:39,520 Speaker 1: You are obviously you know, like I said, you've been 493 00:27:39,520 --> 00:27:40,120 Speaker 1: in insurance. 494 00:27:40,119 --> 00:27:41,760 Speaker 2: You don't work in plants, but but you work in 495 00:27:41,800 --> 00:27:45,399 Speaker 2: Obviously it's like a policy for people. But as somebody 496 00:27:45,400 --> 00:27:49,199 Speaker 2: who works within this business, when you first read this story, 497 00:27:49,400 --> 00:27:52,560 Speaker 2: you're you and you read what happened was been alleged. 498 00:27:53,000 --> 00:27:57,280 Speaker 2: You immediately felt like, what like this was a open 499 00:27:57,280 --> 00:27:57,960 Speaker 2: and shut pace. 500 00:27:58,080 --> 00:28:01,920 Speaker 1: So you feel like maybe they did not have the intention. 501 00:28:02,200 --> 00:28:05,000 Speaker 2: Maybe maybe they just didn't know that you don't double 502 00:28:05,080 --> 00:28:06,440 Speaker 2: different insurance. 503 00:28:06,560 --> 00:28:09,600 Speaker 4: I go bullshit. I mean, if you're making a claim 504 00:28:09,640 --> 00:28:12,760 Speaker 4: for that many items, you knew something was going to 505 00:28:12,800 --> 00:28:15,359 Speaker 4: happen eventually because you want to get collected on it. 506 00:28:15,440 --> 00:28:18,159 Speaker 4: I mean, most people don't have forty two items that 507 00:28:18,200 --> 00:28:21,480 Speaker 4: they itemize, Like I said, I have a Michael Course 508 00:28:21,520 --> 00:28:24,760 Speaker 4: watch and ever Relics watch. I don't itemize my Michael Course. 509 00:28:24,800 --> 00:28:28,840 Speaker 4: I mean how many diamonds and quality watches and things 510 00:28:28,880 --> 00:28:31,000 Speaker 4: like that that they have That that's a lot. So 511 00:28:32,400 --> 00:28:34,200 Speaker 4: I don't know, it just sounds very icky. I don't 512 00:28:34,240 --> 00:28:34,520 Speaker 4: like it. 513 00:28:37,760 --> 00:28:39,640 Speaker 2: So I want to talk to you about that because 514 00:28:40,240 --> 00:28:44,400 Speaker 2: you know, there are people Biggie that are saying, look, 515 00:28:45,240 --> 00:28:46,920 Speaker 2: let's say this is true. 516 00:28:47,120 --> 00:28:50,760 Speaker 1: Those selfles did not murder anybody. They didn't steal from you, 517 00:28:50,960 --> 00:28:54,840 Speaker 1: they didn't rob you. What does it matter to you? 518 00:28:54,960 --> 00:28:56,520 Speaker 1: It doesn't affect you personally. 519 00:28:57,320 --> 00:29:00,640 Speaker 2: As an assurance CEO of Culture and Stare who's been 520 00:29:00,680 --> 00:29:03,520 Speaker 2: in the business for thirty four years, what did you 521 00:29:03,640 --> 00:29:06,680 Speaker 2: have to say to that does this impact the average of America? 522 00:29:08,080 --> 00:29:10,200 Speaker 4: Yes, it does because if an insurance company has to 523 00:29:10,200 --> 00:29:13,840 Speaker 4: come out three four, five hundred thousand dollars, that is 524 00:29:13,880 --> 00:29:17,520 Speaker 4: coming out of a bucket of reserves to pay out. 525 00:29:17,920 --> 00:29:21,200 Speaker 4: And now what causes that reserve to be depleted by 526 00:29:21,240 --> 00:29:24,200 Speaker 4: a half a million dollars? And that goes back into 527 00:29:24,280 --> 00:29:27,320 Speaker 4: the insurance policy holders, and now our premiums are going 528 00:29:27,360 --> 00:29:31,959 Speaker 4: up to supplement that claim. So it's tough, you know, 529 00:29:32,240 --> 00:29:35,600 Speaker 4: it's just I go back to La Fires, all those 530 00:29:35,640 --> 00:29:38,880 Speaker 4: people that had their homes insured. What happened us in 531 00:29:38,920 --> 00:29:43,280 Speaker 4: Orange County, California, one hour south. Our premiums have increased 532 00:29:43,320 --> 00:29:46,520 Speaker 4: because we've got to pay all the millions and millions 533 00:29:46,560 --> 00:29:48,640 Speaker 4: and millions of dollars in claims going out. So it 534 00:29:48,680 --> 00:29:51,280 Speaker 4: does affect us, it does. 535 00:29:54,240 --> 00:30:02,320 Speaker 2: I've heard that when insurance companies investigate possible bowl malice 536 00:30:02,360 --> 00:30:06,840 Speaker 2: intent where someone files for a claim that may not 537 00:30:06,880 --> 00:30:11,040 Speaker 2: be accurate, that ultimately they want their money back, that 538 00:30:11,160 --> 00:30:16,360 Speaker 2: the insurance companies want their money back in this particular case, 539 00:30:16,560 --> 00:30:20,320 Speaker 2: do you think that ultimately that's what they want or 540 00:30:20,320 --> 00:30:22,200 Speaker 2: do you think based. 541 00:30:21,920 --> 00:30:25,440 Speaker 1: On the high value amount that it. 542 00:30:25,480 --> 00:30:28,560 Speaker 2: Is going so far as it has because jail time 543 00:30:28,640 --> 00:30:32,360 Speaker 2: is what the prosecuted they seeking in addition to paying back. 544 00:30:32,200 --> 00:30:34,400 Speaker 4: And Sally, I mean, they can put a lien on 545 00:30:34,440 --> 00:30:39,040 Speaker 4: their house for restitution, but it they can Bigie Well, 546 00:30:39,080 --> 00:30:40,840 Speaker 4: I would think, so, yeah, they can go to lean 547 00:30:40,920 --> 00:30:43,760 Speaker 4: in their homes. Absolutely, they're going to get their money 548 00:30:43,800 --> 00:30:46,600 Speaker 4: back some way, somehow. Obviously these people already spend their money. 549 00:30:46,640 --> 00:30:50,320 Speaker 4: They're living beyond their means. So as a prosecutor, if 550 00:30:50,320 --> 00:30:54,680 Speaker 4: you steal from something or somebody, you can have your 551 00:30:54,800 --> 00:30:58,400 Speaker 4: property seized and leaned to get the restitution. Because I 552 00:30:58,440 --> 00:31:00,840 Speaker 4: doubt she has the money still sitting in savings account. 553 00:31:01,240 --> 00:31:06,160 Speaker 4: They blew it, my guess. And I also think it 554 00:31:06,280 --> 00:31:09,920 Speaker 4: sets an example for those of you out there thinking, oh, 555 00:31:09,920 --> 00:31:11,320 Speaker 4: I'm going to get away with this. You're not going 556 00:31:11,400 --> 00:31:15,160 Speaker 4: to get away with it most of the time. And 557 00:31:15,400 --> 00:31:17,480 Speaker 4: maybe there's some little slide two or three thousand dollars 558 00:31:17,480 --> 00:31:19,680 Speaker 4: claims you get away with no. But when I lost 559 00:31:19,720 --> 00:31:22,240 Speaker 4: my ring in Bali, I lost my ring in Bali. 560 00:31:22,680 --> 00:31:25,480 Speaker 4: It was an hotel. Hotel didn't cover it. I had 561 00:31:25,480 --> 00:31:27,640 Speaker 4: to make a claim on my insurance. I had a 562 00:31:27,680 --> 00:31:30,560 Speaker 4: new ring made by my jeweler exactly the way the 563 00:31:30,600 --> 00:31:33,840 Speaker 4: other one. So that's it. I mean, when you do 564 00:31:34,760 --> 00:31:37,400 Speaker 4: have a claim, insurance company should be there for it. 565 00:31:37,440 --> 00:31:40,920 Speaker 4: But now forty two items, well I do what I do. 566 00:31:44,560 --> 00:31:50,880 Speaker 2: Crazy VICKI composit back. I do want to ask me 567 00:31:51,000 --> 00:31:57,600 Speaker 2: this is it immediately suspicious when someone said, okay, my 568 00:31:57,680 --> 00:32:02,280 Speaker 2: house will brugm Ris and I camy over forty two items? 569 00:32:02,400 --> 00:32:05,480 Speaker 1: Yeah, bullshit, that's not that's. 570 00:32:06,120 --> 00:32:08,880 Speaker 4: There's no cameras, there's no footage. There's all of a 571 00:32:08,880 --> 00:32:12,880 Speaker 4: sudden the cameras were covered. Yeah, bullshit. As I told you, 572 00:32:12,960 --> 00:32:15,720 Speaker 4: I just bought this house here with this pretty view 573 00:32:15,920 --> 00:32:19,720 Speaker 4: out here in Lakinita and we are on the golf course, 574 00:32:20,000 --> 00:32:24,520 Speaker 4: and that's good and bad. So anybody can come into 575 00:32:24,560 --> 00:32:27,440 Speaker 4: this house. Well don't even think about it, all you 576 00:32:27,480 --> 00:32:29,800 Speaker 4: bad people out there. Anybody can come in the house 577 00:32:29,960 --> 00:32:33,959 Speaker 4: and hurt me or burglarize me. But guess what today, 578 00:32:34,120 --> 00:32:37,240 Speaker 4: security is coming, getting cameras all over the golf course, 579 00:32:37,360 --> 00:32:41,480 Speaker 4: all around the perimeters of the house, in an alarm system, 580 00:32:41,520 --> 00:32:45,160 Speaker 4: because I don't want bad people entering my life. And 581 00:32:45,240 --> 00:32:48,960 Speaker 4: if somebody entered their home and they have that much jewelry, 582 00:32:49,160 --> 00:32:53,400 Speaker 4: chances are they had cameras and a security system and 583 00:32:55,080 --> 00:32:56,480 Speaker 4: all of that where is it. 584 00:33:00,000 --> 00:33:01,360 Speaker 1: I don't like it. You don't like it, well, look 585 00:33:01,400 --> 00:33:06,800 Speaker 1: a lot of people don't like it. And look what advice, Nicky. 586 00:33:06,960 --> 00:33:10,720 Speaker 2: Do you have or your real housewife's sisters and solidarity 587 00:33:10,840 --> 00:33:14,720 Speaker 2: when it comes to the pressures of trying to keep 588 00:33:14,800 --> 00:33:17,960 Speaker 2: up with the Joneses or maybe or maybe not understanding 589 00:33:18,000 --> 00:33:20,840 Speaker 2: the law or insurance. And because there's a lot of 590 00:33:21,800 --> 00:33:26,720 Speaker 2: allegations of people faking burglaries across the franchises, what well, 591 00:33:26,760 --> 00:33:29,080 Speaker 2: what's our ice for these women to not get caught up? 592 00:33:29,480 --> 00:33:32,400 Speaker 4: I have such great advice, So are you sitting down? 593 00:33:35,360 --> 00:33:39,200 Speaker 4: I think it's humbling to the viewers and audience that 594 00:33:39,680 --> 00:33:43,360 Speaker 4: somebody may not be as affluent as somebody else. You know, 595 00:33:43,400 --> 00:33:46,360 Speaker 4: when I started the show, I'm from the Midwest. I 596 00:33:46,400 --> 00:33:48,760 Speaker 4: was working in my home office. I had Laurie working 597 00:33:48,760 --> 00:33:52,440 Speaker 4: for me and Duff, and it was very clear I 598 00:33:52,520 --> 00:33:55,360 Speaker 4: have to work. I mean, my husband made decent money 599 00:33:55,440 --> 00:33:58,560 Speaker 4: working for home Depot as an executive, but in order 600 00:33:58,600 --> 00:34:01,280 Speaker 4: to live in California and put my kids to private schools, 601 00:34:01,600 --> 00:34:03,520 Speaker 4: I had to work. And we bought a house out 602 00:34:03,520 --> 00:34:06,320 Speaker 4: at the river. So I think it was humbling for 603 00:34:07,080 --> 00:34:10,640 Speaker 4: not only me to be around other women that didn't work. 604 00:34:10,760 --> 00:34:13,839 Speaker 4: They were very affluent or they acted that way and 605 00:34:13,880 --> 00:34:16,080 Speaker 4: for the viewers to go, okay, she works. Like even 606 00:34:16,120 --> 00:34:18,759 Speaker 4: these girls I met last night, they're like, You're the 607 00:34:18,800 --> 00:34:22,480 Speaker 4: reason why I've maintained my inde independence because twenty years 608 00:34:22,480 --> 00:34:24,920 Speaker 4: ago it was okay to work while you're married and 609 00:34:24,960 --> 00:34:28,080 Speaker 4: while you're raising children. I think when you live beyond 610 00:34:28,080 --> 00:34:31,920 Speaker 4: your means or you're showcasing something that's not real, it's annoying. 611 00:34:32,239 --> 00:34:34,200 Speaker 4: And it's annoying for me because I was filming with 612 00:34:34,239 --> 00:34:36,480 Speaker 4: people like that. It's like, what are you doing? You 613 00:34:36,600 --> 00:34:39,560 Speaker 4: got fifty thousand on your credit card and you look cute, 614 00:34:39,600 --> 00:34:42,360 Speaker 4: but who cares. You can't afford what you're wearing. You 615 00:34:42,360 --> 00:34:46,600 Speaker 4: can't afford what you're driving. So I say this, live 616 00:34:46,640 --> 00:34:50,399 Speaker 4: within your means, save twenty percent of your salaries. Make 617 00:34:50,440 --> 00:34:53,120 Speaker 4: sure you have life insurance on the breadwinner if you're 618 00:34:53,120 --> 00:34:55,400 Speaker 4: the breadwinner. I got a ton of life insurance on 619 00:34:55,520 --> 00:34:57,960 Speaker 4: me if I broke tomorrow. Please God don't crook me 620 00:34:58,000 --> 00:35:00,759 Speaker 4: to where I'm very busy day tomorrow after it was coming. 621 00:35:04,120 --> 00:35:06,360 Speaker 4: But I think that when you live within your means, 622 00:35:06,400 --> 00:35:09,480 Speaker 4: it's humbling that most of the people in the world 623 00:35:09,920 --> 00:35:13,840 Speaker 4: or even the United States are overextended. They can't afford 624 00:35:14,320 --> 00:35:17,640 Speaker 4: a two thousand dollars outfit or of ten thousand dollars perse. 625 00:35:18,080 --> 00:35:20,960 Speaker 4: So when we show the world that we are like them, 626 00:35:21,239 --> 00:35:24,319 Speaker 4: it's better than showing something that we're not. I mean, 627 00:35:24,400 --> 00:35:27,320 Speaker 4: I'm the big believer that you live within your means, 628 00:35:27,560 --> 00:35:30,400 Speaker 4: you pay your taxes, you save, you get life insurance 629 00:35:30,400 --> 00:35:33,080 Speaker 4: on the breadwinner. Oh by the way, Coto insurance dot com. 630 00:35:33,280 --> 00:35:37,440 Speaker 4: And then you know, we just we just be responsible people. 631 00:35:38,239 --> 00:35:38,440 Speaker 4: You know. 632 00:35:39,640 --> 00:35:44,080 Speaker 1: Yeah, no, that that's good advice. One last question about 633 00:35:44,080 --> 00:35:45,000 Speaker 1: the insurance part of it. 634 00:35:45,800 --> 00:35:50,000 Speaker 2: What takes to happen after these types of insurance for 635 00:35:50,040 --> 00:35:55,200 Speaker 2: all crimes? Happy do is it likely that the insurance 636 00:35:55,239 --> 00:36:02,080 Speaker 2: companies keep them honest clients or no eld they're dropped? 637 00:36:02,520 --> 00:36:04,720 Speaker 4: I mean, no insurance company is going to keep somebody 638 00:36:04,719 --> 00:36:07,319 Speaker 4: on that fraudulently made a claim against them. They're going 639 00:36:07,360 --> 00:36:12,759 Speaker 4: to have difficult time getting insurance anywhere anywhere. It's a 640 00:36:12,760 --> 00:36:14,680 Speaker 4: big red flag with a big circle with the line 641 00:36:14,719 --> 00:36:20,160 Speaker 4: through it, like no nope, closure man. 642 00:36:20,840 --> 00:36:28,920 Speaker 6: Okay, if you were robbed or you were hurt by somebody, 643 00:36:29,000 --> 00:36:31,800 Speaker 6: and then then they went back and said okay, well sorry, 644 00:36:31,920 --> 00:36:34,799 Speaker 6: like I'll restitute pay for it, but I still want 645 00:36:34,920 --> 00:36:36,960 Speaker 6: to be your friend. The answer is no, you're not 646 00:36:37,000 --> 00:36:38,800 Speaker 6: my friend if you could steal from me. Same with 647 00:36:38,840 --> 00:36:42,080 Speaker 6: an insurance company. We're not friends with them. But a 648 00:36:42,200 --> 00:36:45,720 Speaker 6: character of who you are goes throughout your lifetime. 649 00:36:47,200 --> 00:36:49,280 Speaker 1: Right yeah, yeah. 650 00:36:49,400 --> 00:36:53,759 Speaker 7: And the thing is that even even if they're not convicted, 651 00:36:54,320 --> 00:36:58,879 Speaker 7: the accusation of insurance fraud would still be something that 652 00:36:58,920 --> 00:37:00,800 Speaker 7: may be hard from the beginning. 653 00:37:00,560 --> 00:37:04,239 Speaker 1: Insurance in the future, right, cor yeah, yeah, yeah. 654 00:37:04,320 --> 00:37:06,080 Speaker 4: It wanks like a duck, it's a duck. You know. 655 00:37:06,120 --> 00:37:08,400 Speaker 4: If it quacks like a duck, it's a duck. That smells. 656 00:37:08,440 --> 00:37:09,879 Speaker 4: If it quacks like a duck, it's a duck. 657 00:37:10,880 --> 00:37:15,040 Speaker 1: Right, that's not that's not a thing though. But listen 658 00:37:15,120 --> 00:37:17,160 Speaker 1: my last how does it go? 659 00:37:18,800 --> 00:37:19,000 Speaker 3: Oh? 660 00:37:19,080 --> 00:37:23,000 Speaker 1: Well, no, if it no, If it quacks like a duck, it. 661 00:37:23,000 --> 00:37:25,319 Speaker 4: Is a duck, right. Or if it wattles like a duck, 662 00:37:25,360 --> 00:37:27,160 Speaker 4: it's a duck. I don't know. If it's a duck, 663 00:37:27,200 --> 00:37:27,719 Speaker 4: it's a duck. 664 00:37:31,680 --> 00:37:33,359 Speaker 1: If it quacks like a duck a duck. 665 00:37:33,400 --> 00:37:35,359 Speaker 2: If it walks like a dutch, looks like a duck, 666 00:37:35,360 --> 00:37:38,040 Speaker 2: it quaests like a duck, there is probably a duck. 667 00:37:38,320 --> 00:37:43,560 Speaker 4: Duck. There you go. Yeah, I'm go the next question. 668 00:37:44,680 --> 00:37:47,480 Speaker 2: My last question for you is this Vicky Gollison, because 669 00:37:47,520 --> 00:37:49,920 Speaker 2: I want to make sure Spectrum. 670 00:37:49,320 --> 00:37:52,920 Speaker 1: Delivers your service. But look, when it comes to. 671 00:37:54,560 --> 00:38:01,120 Speaker 2: The prosecution of the insurance fraud, is it up to 672 00:38:01,200 --> 00:38:06,680 Speaker 2: the insurance companies to dictate with the prosecution if they 673 00:38:06,760 --> 00:38:11,000 Speaker 2: want to. 674 00:38:09,080 --> 00:38:12,960 Speaker 1: Fully extent the law to prison time? Do they do? 675 00:38:13,000 --> 00:38:15,359 Speaker 1: The insurance companies have a say in what they want 676 00:38:15,600 --> 00:38:16,400 Speaker 1: whether if. 677 00:38:16,640 --> 00:38:19,600 Speaker 2: Give some money back they can they can you guys 678 00:38:19,640 --> 00:38:23,200 Speaker 2: can do what you want to or do insurance companies 679 00:38:23,200 --> 00:38:24,640 Speaker 2: have a say and say. 680 00:38:24,440 --> 00:38:26,840 Speaker 1: No, we want them to be in prison. 681 00:38:28,280 --> 00:38:31,000 Speaker 4: I don't know the answer to that. I would assume 682 00:38:31,120 --> 00:38:33,880 Speaker 4: that they would have some say so, but I don't know. 683 00:38:33,920 --> 00:38:38,160 Speaker 4: I don't want to misspeak. That's a claims issue. I'm 684 00:38:38,160 --> 00:38:40,600 Speaker 4: on the other end. I write the policies and a 685 00:38:40,600 --> 00:38:43,280 Speaker 4: lot of them. So people are coming to us because 686 00:38:43,440 --> 00:38:45,600 Speaker 4: we do ethical business. And by the way, if you 687 00:38:45,640 --> 00:38:50,800 Speaker 4: are an agent and you know that client is putting 688 00:38:50,840 --> 00:38:54,000 Speaker 4: forty two items down, you kind of me as an 689 00:38:54,000 --> 00:38:55,640 Speaker 4: agent and I would kind of say, you know, I guess 690 00:38:55,680 --> 00:38:58,359 Speaker 4: the all forty two items. I want to know you 691 00:38:58,400 --> 00:39:00,880 Speaker 4: know where it's being held. It in a safe is 692 00:39:00,880 --> 00:39:03,600 Speaker 4: it at a bank? Like? Where where are these items at? 693 00:39:04,120 --> 00:39:08,879 Speaker 4: Because I, as the insurance agent, is responsible for disclosing 694 00:39:09,040 --> 00:39:12,040 Speaker 4: all of this to the insurance company, you know, and 695 00:39:12,080 --> 00:39:14,799 Speaker 4: that's that's a big deal. There's insurance brought on a 696 00:39:14,800 --> 00:39:17,880 Speaker 4: lot of things. Health insurance, life insurance, property and casualty, 697 00:39:18,320 --> 00:39:21,200 Speaker 4: you know a lot of things. And I have never 698 00:39:21,280 --> 00:39:24,640 Speaker 4: had an insurance company say, Vicky, we're taking away your 699 00:39:24,800 --> 00:39:27,720 Speaker 4: positions with these insurance companies because you're writing bad business. 700 00:39:27,760 --> 00:39:29,560 Speaker 4: So if I write bad business and there's a lot 701 00:39:29,640 --> 00:39:32,680 Speaker 4: of claims, they're going to pull my contracts. So I 702 00:39:32,800 --> 00:39:36,400 Speaker 4: got to write a clean business and disclose everything, and 703 00:39:36,400 --> 00:39:39,600 Speaker 4: then the insurance company can can can decide to ensure 704 00:39:39,600 --> 00:39:42,040 Speaker 4: it or not. For instance, let's say you're my client 705 00:39:42,040 --> 00:39:44,160 Speaker 4: with life insurance. We do a ton of life insurance, 706 00:39:44,680 --> 00:39:46,480 Speaker 4: and you say, you know what, Vick, I think I 707 00:39:46,480 --> 00:39:49,920 Speaker 4: have cancer, but I haven't been diagnosed yet. There's just 708 00:39:50,000 --> 00:39:52,040 Speaker 4: a lot going on with my health. I haven't gone 709 00:39:52,080 --> 00:39:55,040 Speaker 4: to the doctor. I as the agent, I have to 710 00:39:55,120 --> 00:39:58,719 Speaker 4: disclose Carlos sustaining he's not feeling well, he thinks he 711 00:39:58,800 --> 00:40:01,759 Speaker 4: has cancer. I know there's no record of it. I 712 00:40:01,840 --> 00:40:04,319 Speaker 4: have to disclose that, and the insurance company then can 713 00:40:04,640 --> 00:40:07,520 Speaker 4: require a scan or what have you, because they want 714 00:40:07,560 --> 00:40:10,640 Speaker 4: to know that what they're getting into. Right, So when 715 00:40:10,719 --> 00:40:16,399 Speaker 4: you do a reputable practice like mine, the underwriters love 716 00:40:16,560 --> 00:40:19,560 Speaker 4: me because I'm disclosing everything and then they can decide 717 00:40:19,600 --> 00:40:23,440 Speaker 4: what to do with it. So whoever wrote those policies up, 718 00:40:25,080 --> 00:40:26,799 Speaker 4: they should have asked other questions, do you have other 719 00:40:26,840 --> 00:40:29,839 Speaker 4: insurance and force for this? You're you can't ensure two 720 00:40:29,920 --> 00:40:33,480 Speaker 4: companies for the same item, so I look at the 721 00:40:33,520 --> 00:40:37,440 Speaker 4: insurance agent, whoever you are. You should have asked more 722 00:40:37,520 --> 00:40:44,520 Speaker 4: questions to make sure that you're not ensuring one item twice. 723 00:40:45,080 --> 00:40:49,560 Speaker 2: You know, Yeah, yeah, yeah, No, it's tough. 724 00:40:49,560 --> 00:40:51,920 Speaker 1: It's tough. It's tough. Wellie, listen, I can't thank you 725 00:40:52,040 --> 00:40:53,760 Speaker 1: enough to take time of your busy schedule. 726 00:40:54,239 --> 00:40:58,359 Speaker 4: You are and target right now and lows and and 727 00:40:58,960 --> 00:41:01,279 Speaker 4: gets some mops and broom and lots of stuff to 728 00:41:01,320 --> 00:41:04,400 Speaker 4: do here. So Black thank you. 729 00:41:04,560 --> 00:41:06,120 Speaker 2: But before you do all of that and run your 730 00:41:06,280 --> 00:41:09,759 Speaker 2: Erran's sister, let everyone know how they can find you 731 00:41:09,840 --> 00:41:13,320 Speaker 2: in case they want to hire call self insurance for 732 00:41:13,480 --> 00:41:15,600 Speaker 2: the life insurance policy and everything else. 733 00:41:15,760 --> 00:41:19,280 Speaker 4: Yep, So we're going to go to Kotocoto Insurance dot 734 00:41:19,320 --> 00:41:22,640 Speaker 4: Com and put in your information and either Michael or 735 00:41:22,640 --> 00:41:24,520 Speaker 4: myself get right back to you. Look at the split. 736 00:41:25,120 --> 00:41:28,000 Speaker 4: So and if you're under the age of sixty, get 737 00:41:28,040 --> 00:41:32,160 Speaker 4: this one. You can possibly get a policy with no 738 00:41:32,440 --> 00:41:36,480 Speaker 4: medical exam as long as you answer these questions no no, no, 739 00:41:36,480 --> 00:41:39,360 Speaker 4: no no, and be honest. We'll order your MB Medical 740 00:41:39,400 --> 00:41:42,319 Speaker 4: Information Bureau see if you're lying. And we've been able 741 00:41:42,320 --> 00:41:45,080 Speaker 4: to get policies issued in twenty four hours, so we've 742 00:41:45,080 --> 00:41:47,600 Speaker 4: got a great system, all online. You don't have to 743 00:41:47,600 --> 00:41:51,080 Speaker 4: see me, but ken if you want, We're like every 744 00:41:51,239 --> 00:41:54,520 Speaker 4: day and press hard. Three copies is out now it's 745 00:41:54,560 --> 00:41:55,200 Speaker 4: all digital. 746 00:41:56,120 --> 00:41:57,920 Speaker 1: Wait, I want to make sure I heard this right. 747 00:41:58,280 --> 00:42:01,520 Speaker 1: You are a licensed in every state, yep, yep. 748 00:42:01,600 --> 00:42:04,800 Speaker 4: And I'm a broker, so we represent every insurance company. 749 00:42:06,040 --> 00:42:14,600 Speaker 4: It's been working very hard and the ces and all 750 00:42:14,640 --> 00:42:18,280 Speaker 4: that you know certified in every state, so it's good. 751 00:42:19,400 --> 00:42:21,720 Speaker 1: Well listen, I'm still happy for you. 752 00:42:22,080 --> 00:42:28,120 Speaker 2: And as I will end this conversation, I want to 753 00:42:28,160 --> 00:42:30,880 Speaker 2: say I need you back on my TV screen, so 754 00:42:31,000 --> 00:42:32,919 Speaker 2: I want to make sure that Bravo calls you. 755 00:42:33,400 --> 00:42:36,320 Speaker 1: I need you back to twenty It only makes sense. 756 00:42:36,600 --> 00:42:37,880 Speaker 1: You are the O G the O C. 757 00:42:38,160 --> 00:42:41,319 Speaker 2: You're the Mount Rushmore of the Real Housewives and you 758 00:42:41,480 --> 00:42:45,759 Speaker 2: have built this franchise on your back and. 759 00:42:45,760 --> 00:42:48,319 Speaker 4: I my crowd is crooked, but but. 760 00:42:48,239 --> 00:42:54,080 Speaker 2: I tilted back in censor and Vickie seriously, thank you 761 00:42:54,120 --> 00:42:54,760 Speaker 2: for your service. 762 00:42:55,000 --> 00:42:57,040 Speaker 4: We okay, welcome you have a good day. 763 00:42:57,040 --> 00:42:59,160 Speaker 1: It's good to talk to you, good to talk for you. 764 00:42:59,280 --> 00:43:00,880 Speaker 1: And I'll for your gain, okay. 765 00:43:00,640 --> 00:43:01,400 Speaker 4: Baby by. 766 00:43:04,760 --> 00:43:09,279 Speaker 2: Reality with the King is executive produced by me Carlos King, 767 00:43:09,680 --> 00:43:12,279 Speaker 2: produced by Lizzie Nimitz. 768 00:43:11,960 --> 00:43:15,160 Speaker 1: And a partnership with the Lack Effect Network. 769 00:43:15,520 --> 00:43:18,200 Speaker 2: You can also find us on my YouTube channel at 770 00:43:18,280 --> 00:43:20,120 Speaker 2: the Carlos King Underscore