In this episode of ‘Rush to Reason,’ John Rush dives into the recent government shutdown and explores the political maneuvers that influenced its outcome. Special attention is given to the actions of six influential Democrats, revealing both the strategy and impact their decisions have on safe house seats. John provides a thought-provoking analysis on how these moves might be remembered, or forgotten, by constituents come midterms.
SPEAKER 12 :
This is Rush to Reason.
SPEAKER 16 :
You are going to shut your damn yapper and listen for a change because I got you pegged, sweetheart. You want to take the easy way out because you’re scared. And you’re scared because if you try and fail, there’s only you to blame. Let me break this down for you. Life is scary. Get used to it. There are no magical fixes. With your host, John Rush. My advice to you is to do what your parents did! Get a job, Turk! You haven’t made everybody equal. You’ve made them the same, and there’s a big difference.
SPEAKER 01 :
Let me tell you why you’re here. You’re here because you know something. What you know, you can’t explain. But you feel it. You’ve felt it your entire life. That there’s something wrong with the world. You don’t know what it is, but it’s there. It is this feeling that has brought you to me.
SPEAKER 14 :
Are you crazy? Am I? Or am I so sane that you just blew your mind?
SPEAKER 12 :
It’s Rush to Reason with your host, John Rush. Presented by Cub Creek Heating and Air Conditioning.
SPEAKER 10 :
And we are back. Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Appreciate you guys listening today. Lines are open, 303-477-5600. And you can text always as well, 307-282-22, 307-282-22. As most of you probably have read by now, the shutdown, government shutdown has ended. are claiming now why they broke with their party to end the shutdown. I think Bob had a really good explanation of that in the National Crawford Roundtable. You heard that today. It’ll play again on Saturday morning, early, 7.30 to 8.30 is when that one, it plays in its entirety. Am I right in saying that, Charlie? I believe it’s 7.30 to 8.30 on Saturday morning if you missed it today. And at the end of the day, six of them, and Bob talked about this, that, you know, basically they would, you know, fall on the sword. All this was pre-planned and so on. And most of this was done in a way to affect last week’s election. And I can’t disagree with Bob at all. I think he’s extremely correct. And, of course, the ones that went against the Democrat Party in voting for this resolution are safe. They’re safe house seats. Now, I think people have a short memory as well on how much of this will actually be remembered when we go to the midterms. I don’t think much. Democrats will try to dig this up, and they’ll rev up their own base around this. But other than that, there’s not going to be much of an effect on this one way or the other. I think this is a wake-up call for Americans. I’ve said that all along, especially when it comes to some of the SNAP recipient numbers and so on. I think people are really starting to wake up and realize, wait a minute, what are we doing here? Why do we have 42 million people receiving some sort of food assistance? That’s ridiculous. When there’s, as we’ve talked, Steve and I were just talking in this last hour, when there’s X amount of jobs that aren’t even filled right now and there’s openings all around, why are we subsidizing people and their food to the tune of $42 million? And I’ve argued, and you guys have heard me talk about this with others, I’ve argued that my feeling is it should be a tenth of that. Literally a tenth. Not 40 million, but four. I mean, four is still a high number in my opinion, but out of 340 million people, four million is not too bad. A little over 1%, which frankly is where it ought to be, 1% to 2%. Not over 10%. So the number needs to come down significantly, and a lot of you have even sent in ideas on that, and I’m all for it. Now, how you administer some of these, I’ll just go through a few of them. There should be mandatory drug testing. You should not be getting food support if you’re on drugs. Period. And I know that sounds harsh for some of you, but that’s the way it should be. A lot of you, by the way, would agree with me on that one because why should I be subsidizing somebody with their food when they can buy drugs? I shouldn’t be. If they can afford drugs, they can afford food. Clean yourself up. Quit doing whatever it is you’re doing. Quit spending money in places you don’t need to. And I, as a taxpayer, shouldn’t be subsidizing your food because you’re on drugs. I also think, and I know this is where it gets lengthy, but frankly, I think it should be a lengthy application process. I want to know what you’re spending money on. I want a rundown of your budget. Where is the money going? Now, I get it. That’s sometimes hard to do because some people get paid cash and they use cash and so on. But in a lot of cases, you can pretty much figure out where somebody’s spending money. And I want to know. I also think SNAP should be limited in the items you can buy. We don’t do that well enough. People can buy far too many things with SNAP. It shouldn’t be an unlimited. I get it. They can’t buy, what, booze and cigarettes. I think it’s about the only exception, Charlie, I want to say, to SNAP. But I think they can buy everything else they want to. From all of the junk to a ribeye to you name it. If they’ve got the budget with their SNAP funds to buy whatever they want to buy, they can buy whatever they want to buy. And I don’t think they should be able to. I think they should be limited to things that are healthy and not the unhealthy items. All right, let’s do this. I’m going to take a quick break. We’ve got calls coming in. It makes it easy that way. Golden Eagle Financial is coming up next. Al did an interview of late. Hang tight. We’ll be back right after that. But you can find Al at klzradio.com.
SPEAKER 17 :
TJ here with KLZ Radio once again with Al Smith of Golden Eagle Financial. Al, we’re coming up to the end of the year, and I’ll bet you things are getting a little bit nervous. What kind of things do people need to think about with their retirement as they approach the end of the year?
SPEAKER 14 :
Well, some of the financial things have a deadline of December 31st each year and the biggest ones are required minimum distributions. If you’re under age 73, you don’t need to be concerned with that. If you’re over and you have an IRA, that’s something that needs to be done before the end of the year. Don’t wait until the last week in December Because the financial companies, the Charles Schwab, the Fidelities, the insurance companies, they get incredibly busy that time of year. So it’s better to do it the end of November or at the latest the beginning of December.
SPEAKER 17 :
So you’ll sit on the phone for them and sit on hold then, huh?
SPEAKER 14 :
Well, if it’s the last week in December, you’ll bet there’ll be some time on hold. Also, if people have traditional IRAs and they want to convert to Roth, usually by the end of the year, most people know how much money they’ve earned. And we can estimate the correct tax brackets because Roth conversions also need to be done before the end of the year. And people can do those at any age.
SPEAKER 17 :
And you need to take those RMDs so you can go buy Christmas for your family, right?
SPEAKER 14 :
There you go. Or there’s something called a QCD, Qualified Charitable Distribution, where you can take part of your required minimum distribution, have it go directly to your church or other charitable entity, and you won’t have to pay tax on it.
SPEAKER 17 :
That’s fantastic, Al. How do people get in touch with you to start that out?
SPEAKER 14 :
You can reach me at 303-744-1128. If you’re driving, contact 560-KLZ and they’ll put you in touch with me.
SPEAKER 17 :
Al, thanks for coming in today.
SPEAKER 14 :
You’re welcome. Thanks for having me.
SPEAKER 08 :
Putting reason into your afternoon drive. This is John Rush.
SPEAKER 10 :
And we are back. Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Dan and Blackhawk, you’re next. Go ahead.
SPEAKER 04 :
Okay, I’ll hit a dead spot here for a few seconds, so don’t hang up on me. I won’t. I sent you a text earlier in the week saying that the government is the perfect pyramid scheme.
SPEAKER 07 :
Yep.
SPEAKER 04 :
Yep. And what people don’t realize is we are at the bottom as taxpayers, so they’re taking our money… And they’re using it for their little pet project or to pay insurance companies like you and Steve were talking about. Yep. Or getting people on SNAP and housing assistance. And so those people are stuck. And, of course, they’re going to keep voting for the Democrats or the liberals because they’re wanting to give them money. Right. All the while they’re fleecing. Right. they’ll say they’re not fleecing, but they get lucrative jobs after they’re done being in Congress, or like Nancy and Bernie, they become millionaires while they’re in Congress. So how… You tell me, for being a public service, how you can become a millionaire if you’re a public servant.
SPEAKER 10 :
You are correct. You are correct.
SPEAKER 04 :
And it’s a great question, Dan. And I don’t know how… how we can convince people that what they’re doing, and I don’t know if we can convince them, they have to arrive at their own decision that what’s going on is not right. I had a person at work several years ago. He was on government assistance up in, no, he was in the corner of Nevada, Arizona, and California. And he moved up to Idaho. He was on all sorts of assistance, welfare, and everything else. And I asked him, I said, well, why did you leave? And he just decided that it wasn’t worth it. He actually left everything that he had down there, which probably wasn’t much, and started his life over again. And he was in information technology, so probably making a decent amount of wage and happier for it. And then you guys were talking about AI. Right. and how conservatives, quote-unquote Christians, are tabooing it, because yes, there can be evil with it, but like you said, it’s a tool. We need to learn how to use that tool to communicate our stance. So just because there might be some evil with it doesn’t mean that we shouldn’t embrace it.
SPEAKER 10 :
Yeah, well, and again, as I was saying earlier, Dan, and you of all people would understand this, there is a good and a bad to everything that’s a tool because it comes down to the user of said tool and what’s being done with it. So an evil person can take a tool and use it for evil. A good person can take a tool and use it for good.
SPEAKER 04 :
Yeah. For example, a shovel.
SPEAKER 10 :
Yep.
SPEAKER 04 :
It’s a tool, right?
SPEAKER 10 :
That’s right.
SPEAKER 04 :
So you can… You can dig a foundation to build a house with the shovel. Of course, you would use a tool or something else, but I’m just using that as an example.
SPEAKER 10 :
Great example.
SPEAKER 04 :
Or you can use the shovel to kill somebody with it.
SPEAKER 10 :
Or dig the hole that you just killed somebody with to bury them. I mean, all sorts of things that you can. Again, Dan, that’s not a, even though the shovel is just digging a hole, the hole’s for the wrong purpose.
SPEAKER 04 :
Right. And that’s the same with guns.
SPEAKER 10 :
Yep.
SPEAKER 04 :
Firearms.
SPEAKER 10 :
That’s right.
SPEAKER 04 :
It’s a tool in the hands of the user, depending on if it wants to be used. And people say, well, what good purpose is it? Well, I think you had somebody on a few weeks ago talking about, or I heard about it, all the high school students that are in shooting sports.
SPEAKER 10 :
Yes, Joe.
SPEAKER 04 :
And it was one of the safest, it is one of the safest sports out there.
SPEAKER 10 :
Correct.
SPEAKER 04 :
And the concentration that it takes to hit, either a stationary target or a moving target, whether it’s a shotgun, a rifle, or a pistol, the concentration and the skill that it takes to learn that is beneficial for it. But yet, you can have a high school student that doesn’t care and they can take that gun and go kill somebody with it. They probably wouldn’t be in the sports doing that. And then, what else was I going to say? I forgot. Oh, It has something to do with the tools. Oh, well. But anyways, that’s what I’ve got to say. As long as we keep supporting people, they’re always going to be held down on their potential. And I think maybe what we can do as conservatives is we need to communicate that their life could be so much more fulfilling if they don’t have the government assistance necessary they’ll have a whole lot more freedom to do what they want to do.
SPEAKER 10 :
Correct. Correct. Well, and again, my thoughts on just making people more accountable. If you want to go on Snap, okay, great. You know what? Here’s our application process. We’re going to make this as simple as we possibly can, but there’s certain things here that we’re going to actually require you to do. And oh, by the way, and I get it. Some people would come out against us. Oh, you’re discriminatory. The left would be up in arms with my idea, Dan, because I would require everybody to come in for at least once a month and maybe possibly random drug testing, and I get it, there’d be a lot of administration costs to that, but I can tell you right now, at 42 million users, meaning that’s over 10% of the population, The amount of overhead and everything it takes to run the current program, if we reduce that significantly, you’d have plenty of money to do the things I’m talking about, which, again, is make an application process with something to it that you have to stick to. You’re going to be limited to how long you get this. You’re limited to certain kinds of food that you can actually buy in said grocery store. And, oh, on top of that, we’re going to do a monthly drug test and random possibly outside of that, depending upon circumstances. At the end of the day, Dan, I think you’d see that $42 million drop significantly.
SPEAKER 04 :
Well, and the drug test, even though, quote, unquote, marijuana is becoming legalized across the nation, there’s money on marijuana that they could be spending money on food.
SPEAKER 07 :
Right.
SPEAKER 04 :
Because, I mean, I’ve never smoked it, so I don’t know how much it is. But I imagine it’s pretty expensive.
SPEAKER 10 :
Same thing. I’m not a drug user, never have been. I have no idea what certain drugs cost. It’s just not something that’s in my wheelhouse. So I’m very ignorant when it comes to those things, Dan. But let me just say this. I know there’s a cost. I also know that a lot of folks that are on SNAP, they’ve got a cost in the things that they are doing outside of SNAP. And, oh, by the way, there’s certain things they’re probably buying with SNAP that you and I maybe don’t even buy. Again, at the end of the day, I feel like we need to put more stipulations and tighten that whole program up. And if you did, you would see that go from $42 million down to a much less number. And, by the way, freeing up funds then to go to people that really need it.
SPEAKER 04 :
And then also, where is the church in this?
SPEAKER 10 :
Well, they skipped out. I talk about that all the time, Dan. They skipped out five decades ago, six decades ago. I mean, during the Depression, even, they skipped out. That’s their fault.
SPEAKER 04 :
That’s an opportunity for them to fill what… What their commandment is.
SPEAKER 10 :
Yeah, I fully agree. And you hear me talk about that. Again, for all of you listening, I’ll call out anybody. I have no problems calling out both sides of the aisle, including this particular situation where literally the church was MIA during this, Dan. And frankly, they’re going to be MIA in this whole AI thing because they’re poo-pooing it as well. They’re basically telling everybody to run away from it, and that’s dumb.
SPEAKER 04 :
Well, again, use it as a tool. I know what it was. So you and Steve were talking about taking the money away from the insurance companies and putting it in the hands of the individual. Of course, there has to be qualifications for that. For example, if you’re on an insurance plan and you can afford it, there’s no reason for me to get any money if I afford it. And then I saw something that one of the senators was proposing that we get health savings accounts and they put the money into the health savings account. And then that would only be now of course there’ll be people to figure out how to gain the system rice always is and but for the majority of people that would just be used exclusively for medical costs and then they can figure it out I I remember there is a procedure done on my X Y many many years ago twice the first time around it was like seven hundred dollars and so the second time it was done I thought, okay, it’s $700. I can afford this. I got the bill, and it was $1,800 for the same procedure. And when I tried to call the insurance company and say, hey, we got overcharged for this, the insurance company didn’t care because they already got their money. The doctors, they didn’t care because they got their money. The person who was left holding the bag was me.
SPEAKER 10 :
Good point.
SPEAKER 04 :
And I had no way of disputing the charges because the insurance company insurance company didn’t have my back. And of course the doctor, I don’t know what it was, but it was just, If it was a free market system, which it probably should be, then we could go and shop for our health care and our procedures.
SPEAKER 10 :
By the way, we used to do that prior to Obamacare. We did do that, and I get it. One of the biggest complaints was, well, yeah, but then you had preexisting conditions, and not everybody could get insurance, and Obamacare fixed that. Dan, there’s a way to take care of the preexisting condition end of things and still make things work at the end of the day, and it could have been done very easily without Obamacare.
SPEAKER 04 :
Yeah. Yeah. I mean, it just, it just, again, if we shop for our insurance and we shop for our medical care, that’s going to free up a free market system, not to mention, uh, doctor’s offices would be able to, I don’t want to say cut back on staff, but they, they have somebody dedicated all the time to work on most of them dedicated on how to deal with the insurance companies. and getting payment from the insurance companies. So if we eliminated that, then they could free up more resources to take care of people instead of spending resources in order to, okay, we have to do this in order to meet this qualification for this insurance company, and this insurance company, we have to do that. And then they negotiate the pricing with the insurance companies to where if we didn’t have insurance companies, now we do need them, catastrophic insurance.
SPEAKER 10 :
Of course.
SPEAKER 04 :
But if it was more free market, then they would figure out a way to become more efficient on how they deliver their health care to their patients.
SPEAKER 10 :
That’s correct.
SPEAKER 04 :
You know, which would drive down the cost, hopefully, eventually.
SPEAKER 10 :
There are so many ways. That’s one thing I’ll get Steve back on and talk in the future about. There’s so many ways to reduce the overall cost of health care that it’s crazy. There’s plenty of ways to do it, Dan. In most cases, we’re not willing to address it.
SPEAKER 04 :
No, because it’s going to involve a little bit of pain. And some work.
SPEAKER 10 :
That’s right. Pain and work. That’s exactly right. Yep. 100% correct. Always a joy, Dan. Appreciate it. Be safe driving. Thank you very much. We’ll come right back. Let’s do this. Mile High Coin is coming up next. And if you’re looking at getting an appraisal on all the things you’ve been collecting over the years, some things you may have inherited, maybe you’ve collected it yourself. You’ve just been hanging on to stuff, thinking, you know, someday that’ll be worth some money. Well, you know what? That someday might be now. Talk to Mile High Coin. 720-370-3400.
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SPEAKER 10 :
All right, we are back. Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Jeff and Golden, what’s going on, sir?
SPEAKER 06 :
Not a lot. How are you doing?
SPEAKER 10 :
I’m doing very well.
SPEAKER 06 :
Dan, I love hearing him, and he sparks me to call. That’s all right.
SPEAKER 10 :
That’s what we’re here for.
SPEAKER 06 :
I love Dan. Dan’s a good guy. I used to work with Dan.
SPEAKER 10 :
He’s a great guy, absolutely.
SPEAKER 06 :
He is, and he is how I learned about you.
SPEAKER 10 :
Oh, great. Well, that’s awesome. I appreciate that.
SPEAKER 06 :
Yeah. Thank you very much.
SPEAKER 10 :
Just so you know that.
SPEAKER 06 :
Yeah. So, anyway, two points that got me thinking. One, when you go to buy marijuana, and I know you don’t know, and I – Somebody told me about this. Just kidding. But if you go and buy, they scan your… I always think it’s kind of weird, but they scan your ID every time. It’s the only place that they’ll take your driver license and they have to scan it before you get to go in or whatever. Well, why couldn’t… If you’re on SNAP or any type of benefit, why couldn’t they, unless it’s for… If it’s a medical thing, okay, different. But if it’s the recreational line or whatever… Why couldn’t you put a ban on that? Like, hey, if you’re collecting money from me, you can’t be buying marijuana too, buddy.
SPEAKER 10 :
I think they should.
SPEAKER 06 :
Why couldn’t they? They could access that and peg you where you couldn’t buy that, I would imagine. I don’t know why that wouldn’t be a problem.
SPEAKER 10 :
I agree 100% with you. Absolutely. Again, I think there should be certain stipulations around any kind of, especially food benefit that we give out along those lines. We should absolutely do something along those lines, Jeff. Absolutely.
SPEAKER 06 :
You can do it with alcohol, too. I mean, I would do it with alcohol, too, to be honest. I mean, I don’t know, you know.
SPEAKER 10 :
Yeah, and now I do think in this, I should have studied this, but I don’t know how the SNAP things work. I do know that, I don’t believe they can buy alcohol and cigarettes, but don’t quote me on that. I don’t know that. I guess I could look it up, because I don’t know that one for sure.
SPEAKER 06 :
I would hope they couldn’t, you know, actually buy the benefit. I’m just saying if they could peg their number, you know, just to, I don’t know, just to put to where it doesn’t, to where it sucks when you’re on it. You know what I mean? Where you’re like, I can’t even buy beer until I get off of this snap benefit stuff. You know what I mean? Like, You take that right away, whatever.
SPEAKER 10 :
So I did really quick. I just looked it up. So what SNAP benefits cannot be used for? Beer, wine, and liquor. Cigarettes, cigars, and other tobacco products, including e-cigarettes and refills. Pet foods, soaps, paper products, or household supplies. Vitamins and medicines. Or any kind of a hot food. So in other words, if it’s pre-made, intended for immediate on-site consumption, they can’t buy that either. But there’s a lot of other things they can buy, Jeff.
SPEAKER 06 :
Sure.
SPEAKER 10 :
So they can’t buy alcohol and tobacco. Now, like I’ve always said, though, this is the one thing everybody forgets, including government. Money is fungible. So if you and I as taxpayers are subsidizing those that are, in this case, non-taxpayers, because you’re not if you’re at that level, and they’ve got X amount of money coming in on a weekly-slash-monthly basis to offset groceries, food, those sorts of things— and they still have other income that’s come in from wherever, Jeff. I mean, they still have money that comes in. Well, money is fungible. So if you and I and other taxpayers are subsidizing the food side, meaning they don’t have to have money for food, they can use it for these other things anyway. So at the end of the day, it’s irrelevant, is my point.
SPEAKER 06 :
Right. The other point I was thinking is on the, you know, too bad they can’t have a – you were talking about trying to come up with ideas to – get the insurance premiums lower and right and one thing that I keep taking out you know I’ve been trying to get my just my health and orbit play pickleball been exercise I’ve always been an athlete my whole life right and I wonder that if there would be somewhat of like a presidential they used to do that when our brother I remember like the where they would you know we’re kind of like they’re doing in the military right now and if you can prove or have a program to say hey I can you know I’m in shape you know I’m taking care of myself So I should be a lower risk on the insurance or my premium should be lower. And if you’re a guy that’s you’re sitting and playing video games and you’re an overweight, obese person, then your insurance rates should be a little higher, in my opinion.
SPEAKER 10 :
Well, to me, that’s discriminatory, which, by the way, I think it should be. No different than it is with anything else that’s out there. Somebody, for example, Jeff, that has high insurance claims, whether it be on their homeowners or on a vehicle, they’re going to pay more in insurance. Just like, by the way, teen drivers, because they’re a higher risk insurance, Anybody that insures a teen driver, parents or whatever, they’re paying a higher rate than what you or I would as old guys. I mean, it is what it is, Jeff. So we discriminate all the time on things like that. Why should this be any different at the end of the day?
SPEAKER 06 :
Yeah. And I would be fine with it. Okay, now I look at my lifestyle. I may keep myself healthy, but I race cars. I used to race motorcycles, so I get it. You know what I mean? If I got hobbies like that that put myself in risk, then… I ought to pay a little extra for something like that. You know what I mean? Yeah. It seems sense to me.
SPEAKER 10 :
Well, I remember back in the day when I was doing those things, racing, doing things along those lines. If you had life insurance, your premiums were higher. In some cases, your health coverage might even be higher. Again, Jeff, those were very common things back in the day. And were they discriminatory? Absolutely they were, rightfully so.
SPEAKER 06 :
Sure.
SPEAKER 10 :
Yeah. Should be.
SPEAKER 06 :
Yeah, those were my two points. Good stuff. Yeah. Yeah, good stuff. Good talking to you, buddy. Always, always, Jeff.
SPEAKER 10 :
Appreciate you. I appreciate you very much. Thank you for listening. Lines are open 303-477-5600. All right, let’s talk about this for a moment. This probably will bring up some calls as well. People have strong opinions of this one way or the other. I have my own opinions that I will give you, and that is the White House is currently talking about, and we mentioned this a little bit on the National Crawford Roundtable as well, but the Trump administration is working to introduce the 50-year mortgage. for homebuyers. Now, currently, you can do, gosh, there’s so many different ways of doing mortgages today. You can do lines of credit. You can do a 10-year mortgage, 12-year mortgage, 15-year mortgage, 30-year mortgage, 25-year mortgage. I mean, it’s kind of all over the map, tailored to whoever that particular person is and what they need when it comes to that mortgage and that home and their circumstances. I personally don’t have any issues with a 50-year mortgage. I know there’s a lot of people listening. A lot of conservatives, by the way, are against a 50-year mortgage. Well, you know, the Dave Ramseys of the world. Why would anybody want to go in debt for that long? Well, let me ask you this. Some of you I know can say yes. Most can’t. How many of you have actually gone through a mortgage and paid it off? The answer is very few. Most don’t. It’s kind of like a car. Most people will buy a car. They’ll put a six-year, five-year, six-year loan, I say mortgage, but loan on the car, 60-month loan, or 72 in some cases. And very few will take it all the way to the end of that. They’ll typically get into it for about half. maybe two thirds of the way they’ll usually trade up or down with that car. Hopefully they’re not upside down where they can still get out from underneath the car, but that’s pretty typical when it comes to car loans. I don’t look at these mortgages in much of a different way. If it gets somebody into a home, gives them home ownership most of the time, not always, but most of the time, people that own a home will care for that home and they will do things, you know, differently with that home than if they’re doing something else with a home. Not always, but in general, they will. And at the end of the day, homeownership is a good thing in America. It’s what we want. Now, I get it. It’s not for everybody. There are some people that would rather not, and that’s fine. It doesn’t matter to me one way or the other. It’s why I don’t care about a 50-year mortgage. And some people are really, really upset that even Trump’s thinking about this. But here’s what Trump’s doing, by the way, for all of you that don’t understand Trump, which by now you should. He’s going around the Fed. This is going around the Fed. He knows right now that the Fed is his biggest obstacle in getting the housing market back on track. And it’s in a slump right now. No doubt about it. So what Trump is doing literally is he’s going around the Fed by saying, OK, if you knuckleheads won’t lower rates and you won’t help us out in that area to get housing back on track, guess what? We’re going to come up with another tool whereby we can get things back on track with or without you. That’s all he’s doing here. So for anybody that’s out there saying that, you know, Trump’s a, you know, he’s a spender and he’s this and he’s that, and he’s not looking out for the best of people. No, what he’s really doing right now is working around the Fed, doing what he can to get the economy back on track. He knows housing is a big factor in that, and this is his way of doing so. That is my opinion as to what Donald Trump is doing. Braden Lakewood, you’re next.
SPEAKER 03 :
Thank you for taking my phone call. Yes, about those poor results of the election returns the other night, I blame three different people. The Christians that don’t vote, the gun owners that don’t vote, And the people that seem to think the only time we need a vote is when Trump’s on the ballot, I blame all three of those groups, plus the fact that we can’t message very well. What is your opinion?
SPEAKER 10 :
Everything you just said is spot on, Brad. Can’t disagree with anything you just said, 100%.
SPEAKER 03 :
Now, when we talk about the tax cuts, that’s a good issue to run on if it’s somebody like you or me or somebody in our listening audience. But a lot of people seem to think the tax cuts only benefit the rich people, and the rich people, businessman is the bad person. Like John Solomon said one time, why don’t we run on issues like the price of eggs was lowered, the gas prices lowered, the interest rates a little bit lower? Why can’t the Republicans run on a message like that? Because the Democrats do. And even though they don’t mean it, they’re successful in fooling people. So why can’t we learn to message better?
SPEAKER 10 :
And you hear me talk about that even on the roundtable a lot, Brad. It’s my biggest complaint that I have with our particular party is we just don’t message well. And I love Trump, and I really do. And I think he’s done a lot for the country, one of the best presidents that we’ve ever had. And I mean that sincerely. But we just don’t message well. And I talked about this on the roundtable. Trump feels like if he goes on True Social and puts out a post on his platform, which I did the math the other day on, I looked it up. He’s got a million people that are roughly on any given post on True Social. You go over to X and it jumps to 11 million. I mean, huge difference. It’s 10 to 1. Why is he not on X posting instead of True Social? That’s my biggest question, Brad, because we don’t get the message out well enough. And that’s part of the reason why.
SPEAKER 03 :
Another problem is we love to preach to the choir.
SPEAKER 10 :
Really quick, Brad, thank you for saying that. That’s what true social is, and Trump needs to understand that. The only buddy on true social are his loyal, dedicated followers. I’m not even on it, Brad. I don’t care about true social. I’m not on it. I don’t care about it.
SPEAKER 03 :
I follow from time to time, but we need to reach out to the people that disagree with us. It’s like the politicians that block people from putting negative comments on their Facebook page The people that put the negative comments, provided they’re diplomatic, are doing the politician a favor because they’re telling him why they’re upset with him. That’s right. You’re not going to get votes from the people that already agree with you. One thing about Thomas Massey, people may like him, people may disagree with him, but I really think they’re making a mistake attacking Massey because, number one, Massey’s not going to lose, and number two, why don’t we use that money that we’re using to attack Massey? and elect another 10, 15 Republicans, and then Massey’s one vote wouldn’t matter.
SPEAKER 10 :
Possibly. My biggest complaint with Massey is he’s just such an outlier at times on his positions. It’s almost like he does it just for his own notoriety rather than doing it for what’s best for us and the party.
SPEAKER 03 :
I see. But I looked at Ed Gellerin. That’s his primary opponent. And all this is filled with negative comments about Ed and positive comments about Massey and supposedly… Ed Gellerin only had very few likes on his page. So I really think Trump is making a mistake going after him. You know, Massey is going to be Massey no matter what. So why don’t we just try to elect another 10, 15 Republicans instead? And when people send money to Massey… that’s less money they have to send to other Republican candidates around the country.
SPEAKER 10 :
Yeah, I can’t argue that, and again, I think that’s one of those things where you pick your battles, and personally for me, probably not a battle I’d pick. I think there’s other things we could fight. Even though I’m not a big fan of his, I would pick other battles.
SPEAKER 03 :
Yeah, and I think Trump is very weak on endorsements. Now, why he’s endorsing Greg Abbott in Texas is beyond me, and then he endorses Lindsey Graham, and I… Personally, I think Mike Johnson is a worthless leader because all he wants to do is go on vacation. And now they’re saying on War Room this morning that in the next election, the Democrats are plus eight. So Trump better start doing what he said he was going to do. Now, he loves to say, keep saying, no tax on Social Security. Well, all you’re getting is a $6,000 credit. So if you made $60,000 last year and you’re retired, it’ll bring it down to $54,000. That’s not… No tax on Social Security. Now, that’s better than nothing. That’s a step in the right direction, but it’s still not what Trump promised.
SPEAKER 10 :
Mm-hmm. No. And again, I frankly and I know he has to do some of these things as part of what even the RNC probably requires of him and so on. Although there’s not much you really push Trump to do. He’s pretty much his own man and does his own thing. Honestly, the endorsement thing and I get it. They’re needed and it helps people win in certain areas and so on. But I hate him. I don’t endorse anybody. Brad won’t. I don’t believe in it. I wish he would do the same thing, frankly.
SPEAKER 03 :
Did you see where Dr. Shiva’s going to run for Senate as an independent Massachusetts next year?
SPEAKER 10 :
I did not see that, no. I didn’t.
SPEAKER 03 :
Could you get him on your show again, possibly?
SPEAKER 10 :
I can do my best, sure. He’s been on before. I’ll do my best.
SPEAKER 03 :
And I noticed that some of the guests, King Sooper and Walmart, now they’re not giving pennies out anymore, and they’re actually rounding up in the customer’s favor.
SPEAKER 10 :
We made the last penny, I think, yesterday. We minted the last penny, I believe, yesterday in Pennsylvania.
SPEAKER 03 :
I’m surprised Walmart doesn’t round up in their favor now. How are these grocery stores going to make up for that? Because if they’re giving back to the customer two or three cents on every sale over a lot of sales, that’s going to cost them some money.
SPEAKER 10 :
They’ll raise prices to accommodate that is what they’ll do.
SPEAKER 03 :
You know that as well as I. Or else an income tax write-off possibly?
SPEAKER 10 :
Something, but they’ll write it off. They’re going to make up for it. Let’s just say it that way. They’re not going to lose, Brad. What won’t happen? They’re not going to lose.
SPEAKER 03 :
I agree. So what do you think about the latest mess in Colorado? Do you think there’s any way out of that? No.
SPEAKER 10 :
No. As I’ve said before, until we get something done in regard to the rhino watchers here in Colorado, this state is doomed.
SPEAKER 03 :
Yeah, well, what’s the latest with Rhino Watch? I don’t really follow them.
SPEAKER 10 :
Oh, you know, they think the current chair is the reason why we didn’t win in Colorado, and there should have been more of this and more of that. And it’s funny because even some of the folks that lost that they were actually in charge of in certain districts where they actually run those districts or those counties, they didn’t do any better than anybody else did. So it’s so ironic, Brad. They’re the first ones to go out there and point fingers at someone else, and yet they’re not doing any better. And they are the problem we have in this state right now. They are it. They are the main problem.
SPEAKER 03 :
And I would hate to be Britta because every time she turns around, somebody’s mad at her. Why would you even want the position? Does she even get paid for that position?
SPEAKER 10 :
Oh, yeah, they get paid. They get paid very, very well, by the way. It’s a very good paid position. And, again, as much as I like Britta, I’ll be the first to say that she has some leadership issues just like a lot of them have. And, frankly, that’s the biggest issue we have with that position is we still, again, we don’t have, in my opinion, the right strong leader there. sitting in that particular position. And I get it. It’s a really hard position. Nobody wants it. I wouldn’t want that position. Brad, at the end of the day, you couldn’t give me that position for all the money in the world to be real honest with you because you can’t make anybody happy. But at some point, somebody has to take the bull by the horn and be a really solid leader. And I’m just being straight up honest. We don’t have that right now.
SPEAKER 03 :
And another problem is that we’ve got too many people that seem to think the answer is not to vote.
SPEAKER 10 :
No, that’s the worst thing you could ever do. Dumb. Dumb, dumb, dumb. People that say that are dumb. They’re morons.
SPEAKER 03 :
So what’s the solution then?
SPEAKER 10 :
Leadership, leadership, leadership, leadership. I mean, I hate to say it that way, Brad, but it is. It comes down to leadership, including the whole rhino watch end of things. A good, solid leader could either figure out how to get those guys on the same team or boot them out, one of the two. I mean, one way or the other. They either need to become a part of what’s going on on the positive sides of things or boot them out. I mean, frankly, I’ve offered one-way tickets for everyone to leave the state. Frankly, they all need to go bye-bye. I can’t stand them. They are the biggest scourge on this state we’ve ever had.
SPEAKER 03 :
Oh, you mean the Rhino Watch?
SPEAKER 10 :
Yep, absolutely.
SPEAKER 03 :
And they know who they are.
SPEAKER 10 :
There’s probably 20 to 25 key people there that we’re talking about. And, yes, I would buy every one of them a one-way ticket out of the state.
SPEAKER 03 :
And who do you think would be a good leader to replace Britta if she doesn’t want the job in two years?
SPEAKER 10 :
That’s a really great question. Inside the party, honestly, I’d have to think about that one, Brad. I don’t have that one off the cuff. I don’t know.
SPEAKER 03 :
Okay, well, that’s about all I have for today. Actually, you know what?
SPEAKER 10 :
I do know. And I think this was a mistake that he made. And I’ll say it publicly, Greg Lopez, who is now running for governor, should have been chair.
SPEAKER 03 :
Do you have a favor for a governor right now?
SPEAKER 10 :
I don’t right now. But I do know in that particular case, and I love Greg, but Greg can’t win. And I’m just being straight up honest. He’s tried it twice. It didn’t work out well. I don’t see this being any different. In fact, I see us being even more blue than we were. He doesn’t have a chance. He would have been a great chair. That’s what he should have done. And I mentioned that to folks that were around him. That’s what he should have done, Brad. Sorry, Britta, but he should be our chair right now.
SPEAKER 03 :
Yeah, he would be a good choice, and he’s a nice guy.
SPEAKER 10 :
And I think if there’s anybody that could join some of the forces together, it’s him, and that’s who should have been chair.
SPEAKER 03 :
Do you think any one of our Republican candidates could even win in the next session?
SPEAKER 10 :
It’s going to be really tough. And again, some things will shake out as far as those particular individuals are concerned. And I don’t know every person. They haven’t fully been vetted. You know, Victor Marks is probably right now, when it comes to the most electable person out there, probably him.
SPEAKER 03 :
How about Scott Bottoms?
SPEAKER 10 :
No, Scott’s too hardcore like me. I love Scott. He thinks just like I do. I’m not electable, Brad.
SPEAKER 03 :
So how about Barbara Kirkmeyer?
SPEAKER 10 :
I like Barbara, but Barbara’s a politician. Sorry, we need somebody other than a politician this time around. And I like Barbara, but she is a true blue through and through politician.
SPEAKER 03 :
So it doesn’t look good for us in 2016?
SPEAKER 10 :
It does not look good unless Victor does really well, unless he comes on strong and people get behind him.
SPEAKER 03 :
And then those M, M, and L passed up.
SPEAKER 10 :
Yeah, sizably. And we predicted they would, Brad. The way they were worded, it makes it look like you’re going to take from the rich and give to the poor, so absolutely they passed.
SPEAKER 03 :
Well, it’s the responsibility of the poor to take care of themselves.
SPEAKER 10 :
I agree, but that’s not, again, they don’t look at it that way.
SPEAKER 03 :
And unfortunately, when I was growing up, the rich guy was the good guy. Now the rich guy is the bad guy.
SPEAKER 10 :
Correct. Correct. Brad, with that, I’ve got to run, man. I appreciate it. I’m going to squeeze one more call in here before we go to break. Let’s do this. Wayne, go ahead. You’re up next. Hey, John. It’s Wayne. Hey, Wayne. How are you, sir? Well, I am well. I hope you are, too. I am doing well. No complaints at all. It’s been a great day.
SPEAKER 05 :
Yeah, good. Hey, I wanted to talk to you about the 50-year mortgage.
SPEAKER 10 :
Yes, yes, yes.
SPEAKER 05 :
Go ahead. A lot of people have been going against that, but the reality is… Most people do not gain equity of their primary property by paying down their mortgage.
SPEAKER 10 :
That’s right.
SPEAKER 05 :
They make it through appreciation.
SPEAKER 10 :
That’s right. You’re correct.
SPEAKER 05 :
And the 50-year mortgage will allow them to buy, own, and then make money through the appreciation that happens with any property as it sits. Agree.
SPEAKER 10 :
Agree.
SPEAKER 05 :
And it’ll keep their property prices down, their payment prices down.
SPEAKER 10 :
Make it affordable, basically, is what you’re saying, which I think is what Trump’s looking at, Wayne. It makes it more affordable. And like I said earlier, all that’s happening right now with Trump, and this is where I want conservatives especially, because we’re going to be the hardest on this, by the way. conservatives, you know, the Dave Ramsey of the world, have come out hardest on the 50-year mortgage. But what he’s really doing, and I said it a moment ago, Wayne, he’s working around the Fed. The Fed’s not helping him get mortgage rates down. And I know, before somebody sends me the big old long dissertation about how the Fed doesn’t control mortgage rates, yes, they do indirectly. If the rates come If the short-term rate comes down enough, so do the long-term rates. Wayne, you’re in that industry. You know that better than I. Yes, they will come down. The Fed is not helping Trump. They’re against him. They don’t like him. It’s a political move. And now what Trump is doing is working around them with a 50-year mortgage.
SPEAKER 05 :
Well, I don’t see a downside to it. I don’t prefer it. I don’t either.
SPEAKER 10 :
Because, Wayne, everything you just said, and I’m a real estate guy, as you know, and everything you just stated, you are spot on. I mean, at the end of the day, the majority of people are paying mostly interest in their mortgage anyways. Most people get out of the house in a, you know this figure better than I, probably a five to seven year time frame anyways. So at the end of the day, who cares?
SPEAKER 05 :
Well, that’s my thought on the whole thing, John. It seems silly to talk. I mean, how many people have taken out interest-only loans?
SPEAKER 10 :
A lot.
SPEAKER 05 :
Where there’s no principal reductions. And there’s a ton of people that do that.
SPEAKER 10 :
That’s right.
SPEAKER 05 :
And they do that, and they make the gains from the appreciation, and then they get out and go get another property.
SPEAKER 10 :
That’s right. I had somebody text a moment ago that said, listen, hey, I’m of the thought that if these 50-year mortgages really do come to fruition, I’m going to buy two rental homes under that if they’ll allow me to, because the payment will be cheap enough to where it’ll cash flow, and why wouldn’t I? Exactly, Wayne. And by the way, what that person said is what Trump is looking for to stimulate the economy.
SPEAKER 05 :
No, and I think that’s a good move on his part. I personally am not a fan of a 50-year mortgage.
SPEAKER 10 :
Well, I wouldn’t have one, Wayne, but you and I are not strapped for cash to where we’d have to do that, but there are some people that would.
SPEAKER 05 :
Oh, yeah. My position is it’s way better than renting.
SPEAKER 10 :
Absolutely. I agree with you because you own something at the end of the day.
SPEAKER 05 :
Yes. If you have a choice of a 30-year mortgage or renting or a 50-year mortgage to own, Owning is way better. No downside.
SPEAKER 10 :
Right. Wayne, again, you and I are spot on, and that’s where I hear a lot of conservatives, you know, nay saying what Trump’s doing with the 50-year mortgage, and they’re not looking at it correctly. They just aren’t. They’re looking at it very selfishly or very internally, and they’re not looking. This is the same problem we have with trying to win people over to our side voting-wise and so on, Wayne. We get so internal, we forget about all the people out there that this will benefit. Right.
SPEAKER 05 :
Oh, yeah. No, I agree. Now, John, you recognize, of course, and I keep bringing this to your attention, I am a fiscal conservative. I am not a conservative.
SPEAKER 10 :
Right. Right. Right.
SPEAKER 05 :
But I’m very much, I’m probably way further right than the average right-wing guy.
SPEAKER 10 :
You probably are, Wayne. Absolutely. No, I’ve talked to you enough over the years where you are correct in that statement. And we align on about 90% of things anyway, so you and I are very much together.
SPEAKER 05 :
Yeah, I agree. I agree.
SPEAKER 10 :
Very much.
SPEAKER 05 :
It’s always been a joy talking to you.
SPEAKER 10 :
You too, Wayne. I appreciate you very much. Thanks for the input. Wayne’s in real estate, by the way, so he understands this as well as anybody. And, yeah, I just want people to realize that. And we’re going to talk more about this. I’ve got some special guests even that are going to join us next week. I don’t look at the 50-year mortgage the same way everybody else does. And you know what I will do during the break here? Because we’ll have a couple of minutes when we come back. I’m going to do some figures on what that’s actually going to look like to give you all an idea. Because, again, we’ve not messaged that very well. But I’ll do that as soon as we come back. Let’s do this. Take a break. We’ll come back. Get the show wrapped up for this particular hour. Cub Creek Heating and Air Conditioning. Find them at klzradio.com.
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SPEAKER 08 :
Now back to Rush to Reason on KLZ 560.
SPEAKER 10 :
All right. Somebody also said, yes, it is 4.48 p.m. The sun is almost down, and I hate it, and so do I. So thank you for texting that in. Really quick before I go back to Dan, 30-year mortgage, 500K, 6% interest, is a $29.97 a month payment, not including insurance and so on. A 50-year mortgage at the same interest rate, same principle, 500K, is $26.32, a savings of $360 a month, just so you all understand what Trump is actually trying to do here. Dan, go ahead.
SPEAKER 04 :
So I want to clarify that no tax on Social Security. You know I do taxes.
SPEAKER 10 :
Yes, yes.
SPEAKER 04 :
What that is, it’s a calculation. You take your income that you make that isn’t Social Security. You take your Social Security. There’s a formula that you calculate. if that Social Security becomes taxable income. So I’m not certain what Trump is doing, but to me, when he says no tax on Social Security, Social Security probably is not going to go into the calculation of gross income or ending up being taxable income. And just an FYI, most people don’t realize, if you’re single, you can make up to $25,000 a year and your Social Security is non-taxable. if you’re married filing jointly, it’s $32,000 a year. That number has not changed for over 20 years.
SPEAKER 10 :
It needs to.
SPEAKER 04 :
Right. They’re not making every other thing, tax credits, tax, is inflation adjusted, but Social Security has not been adjusted at all. It needs to be a much higher number than that $25,000 and $32,000 because Who can live on $25,000 or $32,000 a year?
SPEAKER 10 :
Very few. And there’s very few places around the country where you can as well, as you know.
SPEAKER 04 :
Yeah, and the thing is, it should be a supplement to your retirement income, not your retirement income. And a lot of people rely on it for retirement, and that’s not a position you need to be in. So like you said, Al from Golden Eagle or whatever, even if you don’t think you have enough money, get with him if you don’t have a financial planner. Great idea.
SPEAKER 10 :
That’s all I can say. Great idea. Great advice. No, Dan, that’s great. I appreciate that. Thank you for the clarification. That’s spot on. Thank you. Appreciate you very much. And again, really quick, 30-year mortgage, 500K. $29.97. If you go to a 50-year, 20 years more, it lowers that $360 a month to $26.32. Now, some would say, well, man, I wouldn’t do that for $360. You know what? If you didn’t have the $360, you would, and you could still own a home. Yeah, you might. Again, there’s a lot of people listening where a 50-year mortgage makes no sense. In fact, for some people, a 30-year mortgage makes no sense. You’ll do a 15-year mortgage. Do what you ever want to. My feeling with Trump is and again, somebody said there’s no there’s nothing that keeps a lender from going to 50 year other than the government loans that we already, you know, quote unquote, you know, insure, subsidize, whatever you want to say, insure basically as taxpayers. That’s where that limitation comes into play and what Trump is trying to get changed. And by the way, if he does, it’ll open up the market for others to do the very same thing. All right. Another hour coming your way. Rush to Reason, Denver’s Afternoon Rush, KLZ 560.
SPEAKER 16 :
I’m a rich guy.
