Welcome to the Kim Monson Show podcast. Kim Monson is your host. Instead of finding more ways to tax and increase government revenue, politicians should find ways to reduce government spending. Founder and CEO of First American State Bank Jay Davidson explains that won’t happen until voters demand it. First Vice President of Toastmasters International Gauri Seshadri shares her journey to become a Distinguished Toastmaster. CUT board member Dave Evans discusses legislation at the Colorado State House. Plus show sponsors Karen Gordey with Radiant Painting and Lighting and RE/MAX Realtor Karen Levine. ————————————————————————————– The Kim Monson Show airs on
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It’s the Kim Monson Show, analyzing the most important stories.
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I find that it takes work to get your brain around these ideas, and it takes work to engage in these conversations.
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The latest in politics and world affairs.
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With what is happening down at the Statehouse, I used to think that it was above my pay grade to read the legislation, and it’s not.
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Today’s current opinions and ideas.
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I see big danger in as much as we will be giving an unelected bureaucrat the power to make rules about what we inject into our bodies.
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Is it freedom or is it force? Let’s have a conversation.
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Indeed, let’s have a conversation. And welcome to the Kim Monson Show. Thank you so much for joining us. You eat your treasure, your value, you have purpose. Today, strive for excellence. Take care of your heart, your soul, your mind and your body. My friends, we were made for this moment in history. Thank you to the team. That’s producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Amanda, and all the people here at Crawford Broadcasting. Happy… Thursday?
SPEAKER 27 :
I think it’s Thursday.
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I think it’s Thursday, Joe. And be sure and check out our website. That is Kim Monson, M-O-N-S-O-N.com. Make sure you are signed up for our weekly email newsletter that goes out on Sundays, as well as we will be rolling out our daily digest, which will come out Monday through Friday in the afternoon. And you need to sign up for that. We’re not going to automatically send that to you. Text line is 720-605-0647. Studio line is 303-477-5600. We will be taking callers in the very last segment in hour number two. And I want to say thank you to all of you who support us. As you know, we search for truth and clarity by looking at these issues through the lens of freedom versus force, force versus freedom. Something’s a good idea. You shouldn’t have to force people to do it. And it’s never compassionate or altruistic to take other people’s stuff. whether or not it’s their rights, their property, freedom, livelihood, opportunity, childhood, or lives via force. Force can be a weapon, but it can be policy, unpredictable and excessive taxation, fees, fear, coercion, government-induced inflation, legislation, the agenda of the World Economic Forum and globalist elites. And we see this playing out in lots of different places in our society. We’ve got an amazing show planned for you today. We’ve got a full cast here, and it’s because we have a very special guest. And that is Gawi Seshadri. She is a first vice president with Toastmasters International. Gawi, it’s great to have you here.
SPEAKER 22 :
It’s great to be here, Kim.
SPEAKER 04 :
And this is your inaugural time on radio, right?
SPEAKER 22 :
Yes, it is.
SPEAKER 04 :
Yes. And so, welcome. I’m glad that we get, sometimes we get to do a lot of firsts here, so it’s great to have you here. And your driver, if you would introduce yourself.
SPEAKER 21 :
Hi, everyone. My name is Anup Kumar. I am the driver for Gawi Seshadri today morning.
SPEAKER 1 :
Okay.
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And you’re also a Toastmaster?
SPEAKER 21 :
Yes, I’m a Toastmaster. I’m also the District 26 Club Road Director.
SPEAKER 04 :
Okay, great. Well, it’s good to have you here. Thank you. And then we also have in studio with us the President of Liberty Toastmasters North, Kathy Russell. Great to have you.
SPEAKER 05 :
So great to be here, Kim.
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Great to see you all. And also Marshall Dawson, who is the President of Liberty Toastmasters Denver.
SPEAKER 25 :
Yeah, good morning. This is really a treat. Thanks for the invitation.
SPEAKER 04 :
Absolutely. And then I think Rick Rome will be joining us here in just a moment as well. So let’s just jump right into it because we’ve got a big show planned for you. So first of all, I wanted to say thank you to the Harris family for their gold sponsorship of the show. It’s because of these great sponsors that our independent voice is on the air. And our word of the day in the spirit of Toastmasters, and thank you to Jenny for the suggestion, is apostasy. It’s spelled A-P-O-S-T-A-S-Y. And in number one, it could be an act of refusing to continue to follow, obey, or recognize a religious faith. Or number two, abandonment of a previous loyalty. And so your challenge will be to use the word apostasy in a sentence today. So good luck on that. And our quote of the day is from Ralph Waldo Emerson. He was born in 1803. He died in 1882. And he went by his middle name, Waldo. He was an American essayist, lecturer, philosopher, minister, abolitionist, and poet. And he was seen as a champion of individualism and critical thinking, as well as a prescient critic of the countervailing pressures of society and conformity. And he said this, He said, this is my wish for you. Comfort on difficult days, smiles when sadness intrudes, rainbows to follow the clouds, laughter to kiss your lips, sunsets to warm your heart, hugs when spirits sag, beauty for your eyes to see, friendships to brighten your being, faith so that you can believe, confidence for when you doubt, courage to know yourself, patience to accept the truth, love to complete your life. I thought that was a good quote for today. You like that, Kobe?
SPEAKER 22 :
That’s beautiful.
SPEAKER 04 :
I know. And I thought it would be just perfect. So with that, first thing we want to get to is not… We’re going to wait just a minute. Karen Gorday, I think, is on the line, but Joe, I think, is getting Rick Rome. So… So with that, we’ll just do some of the other things that we do on a regular basis. I first of all wanted to say thank you to Hooters Restaurants for their sponsorship of the show. Hooters Restaurants has locations in Loveland, Westminster, and in Aurora. They’ve got great specials Monday through Friday for lunch and happy hour. Great place to watch the Avs as they’re marching towards the Stanley Cup. Marshall, are you a hockey fan?
SPEAKER 25 :
Not so much. Okay.
SPEAKER 04 :
But everybody starts to be a hockey fan if we start to get to the Stanley Cup, right?
SPEAKER 25 :
Well, that’s absolutely correct. When I moved to Colorado, I really stopped watching sports as a whole because this is such a great place to do outdoor stuff.
SPEAKER 04 :
I used to be a real sports hound, but it takes a lot of time.
SPEAKER 25 :
It does.
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How about you, Kathy? Are you a sports hound?
SPEAKER 05 :
No. Yeah, I leave that to other members of the family.
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And that’s probably because you have written a book.
SPEAKER 05 :
Yeah, I’ve written a book. Yeah, thank you. Yeah, it’s Evolution’s Arc, the Story of Creation. And I am so excited about it and love to talk about it.
SPEAKER 04 :
Well, it’s a lovely book. Thank you, Kim. We’re going to have to get you on and just do a whole featured thing on that. So we’ll make sure that that happens. So and so also I wanted to say a couple of other things is the nonprofits that I recognize on a regular basis on the show is the USMC Memorial Foundation. and they um are having their golf tournament which is may 14th out at the ridge in castle pines and it is a shotgun start at 8 a.m and you can sign up by going to usmcmemorialfoundation.org that’s usmcmemorialfoundation.org and then also the center for american values which is located in pueblo On the beautiful Riverwalk, they’re doing great things to recognize our Medal of Honor recipients, as well as they have great educational programs focused on these foundational principles of honor, integrity, and patriotism. And so I recommend that you support them as well. That is the Center for American Values, and that website is AmericanValuesCenter.org, AmericanValuesCenter.org. And I’ll go to one of the headlines that I saw here. And this is, well, two things. This is from the Center Square, and this was in North Carolina. And it says that the dead people voting meets measure of demise. 34,000 dead people were removed from the voter rolls in North Carolina. But I also saw a headline that in Minnesota that the legislature said did not pass legislation to keep dead people off of the voter rolls. I think that’s a problem myself, but we’ll continue to talk about that. I think we do have on the line with us Karen Gorday, and she’s a sponsor of the show. She is an entrepreneur and owner of Radiant Painting and Lighting. Karen, welcome to the show.
SPEAKER 06 :
Good morning, Kim. Glad to be here.
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Well, it’s good to have you as well. And this beautiful rain, we finally have gotten some rain. So that’s put a little bit of a damper, no pun intended, on your exterior painting right now, right?
SPEAKER 06 :
Right. And we did talk about that. And so I went ahead and scheduled everything. And of course, we’re now in a rain delay. But we need the moisture. So I can’t complain.
SPEAKER 04 :
You know, Karen, thank you for doing that. I think it’s like washing your car. If you wash your car, it’ll rain. If you scheduled your outdoor painting with radiant painting and lighting, it’ll rain. So this whole metro area thanks you so much. Absolutely. You got it. So I have a question for you regarding interior painting. And for older homes, maybe that have seen a lot of wear and tear from kids, dogs, and people want to spruce things up and maybe the door jams are damaged, the baseboards. What do you do with that? Can you paint those or do people need to get new stuff or what’s the deal?
SPEAKER 06 :
So it really depends on how bad the wear and tear is versus damage. So you mentioned dogs. And sometimes dogs, especially a puppy, chew on baseboards, door frames, things like that. If it is badly chewed, then yes, they can chew twice. But if it’s minor, nicks, grapes, things like that, it’s phantom. potentially see putty, if they’re really, you’ll see scratches on it, and then prime and paint. And so in most cases, Unless the damage from the animals is really bad, then we can make them look great again. But there are times that we recommend replacement.
SPEAKER 04 :
Okay. And certainly when you go out to give an estimate, you will be able to figure that out at that time. So if people are interested in painting interior, exterior, what’s the best way for them to reach Radiant Painting and Lighting?
SPEAKER 06 :
So it’ll be www.paintwithradiance.com. You can fill out the form there, and then we’ll schedule the estimate and come on out.
SPEAKER 04 :
Great. Now, Karen, moving over to the team regarding the upzoning in Lakewood, I know that you’re helping some candidates. What’s your update that you’d like people to know this week?
SPEAKER 06 :
So Lakewood, we’re working on the next phase in regards to the upzoning. And that’s coming along just fine. In Lakewood, though, I do need people to be aware that Lakewood was set to vote on the wildfire urban interface code this past Monday. And then I went and spoke with full-time. We were successful in getting this delayed until May 11th. So you may be aware that the state developed a wildfire code board and developed a map for fire intensity throughout the entire state. Jeffco and in turn Lakewood went farther than the state requires. Where have we heard this before? And put a large swath of lake wood in a wildfire zone with this code that requires upgrades. So let’s say your roof needs to be replaced because of hail. Well, now you need to upgrade to a Class A roof. If a certain percentage of your siding has to be replaced, you need to upgrade to fire rated siding, things like that. But also the catch point, too, is that vegetation on your property while they say in one part of the code it’s not retroactive then another place says it is retroactive and so we need clarity on what this code means for existing properties it may make sense you know for new homes going in to abide by the new fire code, but how does that apply to existing properties? And they had the lead engineer there, and quite frankly, he did not understand the code. Neither did the city attorneys understand the code, and so it is delayed until May 11th. On May 9th, there is a meeting. It’s in Ward 4 at the Green Mountain Rec Center, and we can ask the city kind of questions on new fire codes and what it means for existing properties. It’s super important because at my house, if these go into effect, that I have to do maintenance. I’m looking at $5,000 to $10,000 worth of work on my house. So it’s just another way to potentially price people out of their homes.
SPEAKER 04 :
Okay. Well, this is really important. The fact that the city attorney and the city engineer didn’t know what it was all about when they’re proposing it, that’s irresponsible, Karen Gorday. Thank you for staying on top of all that. Again, what’s the website for Radiant Painting? www.paintwithradiant.com. Okay. Karen Gorday, thanks so much. We’ll talk with you next week. Great. Thank you, Kim. And, boy, things are expensive. But you might give the Roger Mangin State Farm Insurance team a call because they’ve been saving people some serious money. In fact, Roger said he saved one of his, I think, neighbors or one of our listeners $2,000. So he might save you some money. The only way to find out is give them a call. That number is 303-795-8855. Like a good neighbor, the Roger Mangin team is there.
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State Farm Insurance recently lowered auto insurance rates for new and existing customers. Roger Mangan and his State Farm Insurance team would be delighted to talk with you about possibly saving money on your auto insurance coverage. Plus, if you already bundle your insurance coverage, you might save additional money. That’s real after-tax money in your pocket that you can save or use for everyday expenses. To find out if you can save money, Give the Roger Mangan team a call at 303-795-8855 for a complimentary appointment to review your insurance coverage. That’s 303-795-8855.
SPEAKER 18 :
Radiance Power specializes in providing expert electrical solutions for your home. Their licensed electricians excel in electrical installations, insurance, Thank you. We’ll be right back.
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We’ll be right back. And if you’re shopping for the best deal, they’ll match any competitor’s price on any firearm as long as it’s above their cost. Learn more about the impressive firearm inventory and next level training at SpartanDefense.com. That’s SpartanDefense.com.
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With all the chaos and confusion in our world, how can you plant yourself on a foundation based on truth and clarity? The Kim Monson Show is here to help. Kim examines news, politics, and opinion through the lens of freedom versus force, force versus freedom, and shares human interest stories that will inspire you and make you smile. Tune in to The Kim Monson Show each weekday, 6 to 8 a.m., with encores 1 to 2 p.m. and 10 to 11 p.m. on KLZ 560 AM, KLZ 100.7 FM, the KLZ website, and the KLZ app. Shows can also be found at kimMonson.com, Spotify, and iTunes.
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And welcome back to The Kim Monson Show. Be sure and check out our website. That is KimMonson, M-O-N-S-O-N dot com. And as you all know, one of the volunteer things that I do is I’m president of the Colorado Union of Taxpayers, which this is an all-volunteer group that watches legislation down at the statehouse. And when you see them, be sure and say thank you. We look at this legislation through this lens as how does it affect the taxpayer? How does it affect TABOR, which is Colorado’s Taxpayers Bill of Rights, property rights, and parental rights? So when you see these folks, say thank you. Steve Dorman, Greg Golianski, Russ Haas, Bill Hamill, Rob Knuth, John Nelson, Wendy Warner, Marty Nielsen, Ramey Johnson, Mary Jansen, Dave Evans, Corey Onizori, Paula Beard, and Ray Beard. And join us. It’s only $25 a year. You can do that by going to coloradotaxpayer.org. And we have Dave Evans on the line. He is one of my fellow board members. Dave Evans, welcome to the show.
SPEAKER 12 :
Thank you, Kim. It’s an honor to be here.
SPEAKER 04 :
Well, it’s good to have you. And you’ve got a couple of, I’m going to try to use the word of the day somehow in here, apostasy that I really would like to share. refuse we need to vote against these things so let’s jump in here on house bill 26 1419 the over refund of excess state revenues or i would say giving back the money the excess money that the state has taken from the taxpayer but they named it something different bill or that dave dave
SPEAKER 12 :
Well, the bill, the summary from the state capital is that the bill requires the state controller to determine the amount of the FY24-25 Tabor surplus that was over-refunded. Under the bill, the over-refund amount for 2425 is equal to the difference between the amount of the TABOR surplus that was certified in the State Comptroller’s Annual Comprehensive Financial Report and the amount that would have been required to be refunded as a result of federal tax policy changes under 25HR1, the One Big Beautiful Bill Act, OBBA, as determined by the state controller state office of planning and budgeting and the department of revenue in other words the state budget was set prior to enactment of the federal tax changes under the obba And so to account for the over-refund, the bill requires the state controller to reduce the TABOR refund amount for subsequent fiscal years beginning with 26-27 by no more than one-half of any refund amount identified in 24-25. So the sponsors, unsurprisingly, are four Democrats. Representative Sirota and Brown, and Senators Amabile and Bridges. And our response says that tax reductions resulting from OBBA are beneficial to taxpayers so that they have more dollars to save, invest, and spend, and to the entire state through greater consumer spending. Decline back the constitutionally mandated refund negates these benefits. This is an ex post facto style tax increase. Revenue decreases resulting from the reduction of federal tax under OBB is problematic only because of the reckless overspending by this legislature. This bill, in conjunction with HB 26-121 and 12-22, might actually cause tax increases for some taxpayers, specifically businesses. And so we conclude that there is no over-refund. The actual amount of taxpayers’ money is determined mathematically and is not subject to the terminology that the legislature applies. So withholding tax refunds is not permissible except by approval by a voter referendum under Article 20 of the state constitution. But I noticed yesterday that an Amendment 8 has been added to the bill that recognizes that this does require a vote by the citizens and adds a referendum question. And we need to give thanks for that to Representatives Chris Richardson and Ken DeGraff, who put that in. So they may actually be preventing an apostasy against the state constitution.
SPEAKER 04 :
Well done. Well done. Okay, well that is great news, and thank you to Representative Richardson and DeGraff for getting that on there. Let’s talk about one other one, and that’s Senate Bill 26-176. Sure, sure.
SPEAKER 12 :
Yeah, I have that one queued up here. That bill allows individuals in Colorado whose constitutional rights have been violated by someone under authority of law to sue and seek monetary damages. And they’re nicknaming this the No Kings Act. It has a two year limit of action. In other words, statute of limitations. The bill includes the safety clause so that it will become law as soon as it’s enacted. And I’m assuming that it will be enacted. And it covers not only state and local, but federal law as well. And the sponsors, again, unsurprisingly, four Democrats, Senator Julie Gonzalez and Wiseman and Representatives Mabry and Zocayi. And CUT’s response is that we voted no on this bill, primarily because it will open up a plethora of costly and possibly frivolous lawsuits. The U.S. Constitution has always allowed due process for non-citizen individuals, but this law allows for those individuals to sue the government officials for monetary damages, actual and punitive, within Colorado court. It allows for recovery of attorney fees, and suits can be filed within two years of the alleged offense. I think the target here is really the ICE officers, immigration and immigration control officers. But assuming this passes… could actually backfire and make state officials liable for rights violations. And I’m thinking of some recent incidents, such as our notorious Civil Rights Commission going after bakers and photographers. And also, we’ve been seeing a lot of law passed that are really Second Amendment infringements. So they may be making themselves liable for the very law that they’re passing.
SPEAKER 04 :
This is super interesting. And as you can see, the cut board, this is all volunteers. We do significant analysis on this. We have just a couple of weeks left in the legislative session. And as of right now, whoops, I was going to try to pull up how many different bills that have been brought up, but I don’t have that right now at my fingertips. Dave, what’s your final thought that you’d like to leave with all of our listeners? And thank you to all the great work that you do.
SPEAKER 12 :
Thank you, Kim. Well, my final thought goes back to the previous bill, House Bill 1419. And that is that, you know, if the shoe were on the other foot, the state would not hesitate to grab a windfall from the taxpayers. So maybe for the first time in this century, the taxpayers got lucky and the calendar favored us. It appears that if this bill passes, and I’m sure it will, there’s a good chance that the amendment will be included so it will go to a vote. And so the citizens will be able to vote against it. But, you know, brace yourselves against misleading advertisements. There’s going to be a lot of interesting things to vote on in this coming election in November.
SPEAKER 04 :
Well, and I normally always do a voter’s guide, so I better start on that right now because it takes a lot of time to do that. So, Dave Evans, as always, thank you. We greatly appreciate it.
SPEAKER 12 :
Thank you, Kim. Good to be on your show. Thank you.
SPEAKER 04 :
And all this happens because of our sponsors. One of those is Karen Levine for Everything Residential Real Estate.
SPEAKER 15 :
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SPEAKER 19 :
The Kim Monson Show is expanding and augmenting our voice and reach. In addition to the Kim Monson Show broadcast, we have created the Kim Monson Newsroom and the Kim Monson Community. We call them the three presses, and they are foundational to free speech and engaging in responsible self-governance. Go to kimMonson.com, click on the newsletter tab. and sign up for the weekly email newsletter and the Daily Digest. And join the Kim Monson community, which is a modern salon where you can contemplate, connect, and converse around the principles we cover daily. Sign up today at kimMonson.com.
SPEAKER 24 :
Entrepreneur and owner of Radiant Painting and Lighting, Karen Gorday knows that your home is one of your most important assets. That’s why Karen Gorday and her team at Radiant Painting and Lighting use only high-quality paint for your interior and exterior projects. At the heart of radiant painting and lighting are values that guide everything they do. Integrity, transparency, respect, and care. Radiant painting and lighting goes above and beyond to ensure your satisfaction and comfort throughout your project. Make your appointment now by going to paintwithradiant.com. That’s paintwithradiant.com.
SPEAKER 01 :
All Kim’s sponsors are in inclusive partnership with Kim and are not affiliated with or in partnership with KLZ or Crawford Broadcasting. If you would like to support the work of The Kim Monson Show and grow your business, contact Kim at her website, kimmonson.com. That’s Kim Monson, M-O-N-S-O-N dot com.
SPEAKER 04 :
And welcome back to the Kim Monson Show. Check out our website. Tonight is our second class in the community regarding the Federalist Papers. So be sure and join us. That is open to the Monticello and Mount Vernon members. And pleased to have in studio with me, we’ve got a full house, some of my fellow Liberty Toastmasters. And that’s Marshall Dawson, who is president of Liberty Toastmasters Denver. Great to have you here.
SPEAKER 25 :
Yeah, good morning. Happy to be here.
SPEAKER 04 :
And Kathy Russell, president of Liberty Toastmasters North.
SPEAKER 05 :
Also great to be here.
SPEAKER 04 :
And Rick Rome, you’ve been president in a variety of different things at our Denver Club.
SPEAKER 11 :
Kim, that’s the nature of the program, is it expands and builds horizons and capabilities.
SPEAKER 04 :
Which is so great about it. And then our special guest, his driver is Anoop, and you are also a Toastmaster. It’s good to have you here, too.
SPEAKER 21 :
Pleasure.
SPEAKER 04 :
And you are one of our leaders, right?
SPEAKER 21 :
Yes, I am the District 26 Club Group Director.
SPEAKER 04 :
Okay, it’s good to have you here. And our special guest is Gawi Seyshadri. And did I get that close to right? Yes, you did. Okay. And you are a celebrity, your first vice president of Toastmasters International. And this is a pretty big deal. But let me tell people just a little bit about you. You’re the director of Gentle Bamboo Solutions, one of India’s pioneer game-based learning companies. You collaborate with leadership teams to drive the strategic initiatives that enhance the company’s short-term and long-term growth. You’re also a Toastmaster since 2005 and is a member of your home club, We Speak Toastmasters Club in, is it Bengaluru? Yes. India, okay. And you’ve held a number of high-profile leadership positions. So welcome. It’s good to have you. Thank you. It’s good to be here. Toastmasters, I actually, Gawi, I had lost my confidence, and Toastmasters helped me to get my voice back. Tell me about your journey with Toastmasters.
SPEAKER 22 :
Right. I actually joined Toastmasters when I used to live here in Denver 16 years ago. Oh my gosh. Yeah, my first club was Littleton Toastmasters, so not far away from here. it was my first job i needed confidence to speak to people to speak to the professionals in the world and i gave up opportunities at the company because i was too scared to make presentations and that got me to toastmasters after i got my first bath my boss asked me how did you progress you know in a year and i said i joined toastmasters and then i got to know that my boss was a toastmaster 30 years ago so i think it kind of came full circle
SPEAKER 04 :
Well, and Marshall, what I find so interesting is many of guest members are people that may have immigrated here that they just want to make themselves better. And I think that’s really great. I sometimes think we have candidates that want to run for office, and that’s They then, when they’ve decided to run, they say, oh, I want to learn how to speak, communicate better. And it’s like, you should be in Toastmasters. But I find that many times people that are immigrating here, they have this thirst to make themselves better.
SPEAKER 25 :
Well, I think you raise a good point, which is that we shouldn’t necessarily project our own assumptions onto people who are walking into the door for the first time. We don’t want to put them into a particular box. Everyone is walking through that door for some reason that is personal to them. You mentioned people who are not native English speakers. I’ll tell you off air, but I’m thinking of a person who is in the club in Liberty Toastmasters North who actually came because his wife wanted to join. She wound up not joining. He did. And he’s fitting in well, very, very well. He’s an author now, published author. So we can’t really assume why it is that people are coming.
SPEAKER 04 :
You know, Gawi, I think that Marshall brings up a really good point, that each person comes to Toastmasters for their own personal reason. Thank you, Marshall. What’s your thoughts on that, Gawi?
SPEAKER 22 :
I think that’s so true. I came because I just needed courage to say hello to strangers. I have a little bit of a social phobia. But a lot of people join because of professional reasons. They want to get better in presentations, speaking in front of clients. Some people come in for the networking opportunities. Some people just come in so that they have a community that they can fit in. So lots of different things. You just need to figure out what your reason is to step into one of our rooms.
SPEAKER 04 :
And what is entailed by being on the board of Toastmasters International? Do you travel internationally as well?
SPEAKER 22 :
Well, I guess you’re here. A week ago, I was home in Bengaluru, India, and today I’m here. So I get to come back to this beautiful state of the United States and meet new people.
SPEAKER 04 :
Great. So Anoop, you are the director of our district. Tell us a little bit about your story.
SPEAKER 21 :
So I am a person who did not know how to speak in English. That was my starting point. And I learned how to speak in English. And then I realized there’s something called public speaking, which is different from just speaking in English. So I came to the United States in 2001. Then I realized there is a lot of public speaking I have to do. So in 2008, I searched. At that time, internet was there. So I searched in Google, public speaking and Toastmasters came up. And that’s how I joined my first club in Denver Tech Center area. Did that for three years. I loved it. But then house happened, kids happened, MBA happened. And then I left it. I was traveling a lot for work too. And that time there was no Zoom or Teams to help us out in terms of technology. So after that, I joined Kaiser Permanente. And when I was in Kaiser Permanente, I became very close to the operations team. And they said, why don’t you go and do some training for 50 people in a conference room? And that is when the memories came back. And I said, oh, wow, I need to go back to Toastmasters. So in 2018, I joined Titan Toastmasters in Denver Tech Center. And I will never leave it again.
SPEAKER 04 :
Oh, wow. Rick, your story. And you’re the one that really got this organized. So tell us about that.
SPEAKER 11 :
Sure, Kim. You know, one of the things that I like to tell new members when they’re coming into the club is it’s not just about speaking. It’s about communication. And a large part of that is active listening. And I think that that’s absolutely vital to the transformational experience that people have. I mean, from your perspective, Kyrie, what do you think about how do you convince people
SPEAKER 22 :
to who are already engaged to be better i think uh you know i can quote all the facts of toastmasters international i can tell you we are in 150 countries 260 000 members across the world but facts tell and stories sell right for me it’s the transformation stories from going to say hello to now being on the board of directors of Toastmasters International. Who would have thought? From people who struggled to put their thoughts out there to making a difference in their community, you know, to having leaders, business leaders, community leaders, thought leaders out there. Everyone feels really good in the way they’ve come up. You don’t need anybody else evaluating you to tell, oh, you’ve become better. You know it yourself when it comes from others.
SPEAKER 04 :
And Kathy Russell, we’re competitive. Now, we do give one participation ribbon, and that’s when people first attend. We welcome them with that. But we’re pretty competitive. In fact, I could pull out my day timer. I still have all my ribbons. I like them. But we’re competitive. But tell us a little bit, Kathy Russell, about your Toastmasters story. This story.
SPEAKER 05 :
This is part of my journey, and it is, I read this book by Thomas Paine, which is Common Sense, and then a few weeks later, I met you, Kim. And you told me about Liberty Toastmasters, and so I joined. And what is so remarkable about this book is that, according to our second president, John Adams, he said that without the pen of pain, the sword of Washington would have been wielded in vain. And it’s amazing that this one person with his communication skills made america and one of the things he says in there is that the cause of america is the cause of all mankind and so that’s why i’m so totally passionate about this because i really believe that the art of communication creates all of our other liberties and that’s why i’m a fanatical fan of toastmasters and of kim’s show and yeah being with all of you here today
SPEAKER 04 :
Well, and so Thomas Paine was just a very fiery pen, but he really was, this little book is how we basically, America, he was very instrumental in that. And to Kathy’s point, communication is important. And ideas, Gawi, ideas matter, don’t they?
SPEAKER 22 :
Yes, they do. And it would be horrible if they would stay inside your head and not come out. You need the right words to communicate those ideas.
SPEAKER 04 :
Well, and Kathy, you’ve written a book. And I’ve got some people in my family, a couple of people that are writing books. And one of them, it took a long time. And I said to him, I said, he wrote a children’s book. I said, there are children all over the world waiting for that book. And when he finally finished it, it was a big deal. And to Gawi’s point, Those ideas that are in us, we can’t go to our graves without trying to get them out there. And so you’ve written your book as well.
SPEAKER 05 :
Yeah. Yeah, and I think this book, the book really is about freedom. It is a creation story. It’s a whole story of the universe. But my mission with that is to liberate people from some of the negative narratives that they may have been told or internalized. And…
SPEAKER 04 :
You know, I don’t think I’ve ever asked you your Toastmasters journey, Marshall Dawson.
SPEAKER 25 :
I was one of those people who thought, what is this Toastmasters? Do we sit around and go, you’re so great, Rick. Kim, here’s to you. Here’s a toast to you, too. That was me.
SPEAKER 04 :
That’s what I was hoping.
SPEAKER 25 :
Well, it turns out that’s not really what Toastmasters is, although there is one project that deals with social speeches. For me, our friend Brad Beck was always presenting flyers and things like that to come learn to listen to Liberty. I’m butchering the phrase. But ultimately, I heard that enough times that I showed up. And, you know, one thing that I’ll put one question out there for everyone. I think we all show up for different reasons than for what we stay for. And so, you know, for me, I, you know, I stick around because it’s fun. But I keep learning things that I didn’t quite expect. You know, we talked about listening before. I realized I wasn’t that great of a listener. I thought that I was, but I wasn’t.
SPEAKER 04 :
What do they say? Some people sometimes think they’re listening, but they’re actually just waiting for their turn to speak. And listening is really an important tool that I think that the evaluation component really helped me with that. But let’s continue the discussion when we come back from break. But I did want to mention Mint Financial Strategies. Jody Henze and her team are doing just great work. They are helping me with my financial freedom, which I greatly appreciate. She’s got an event coming up. I’ll have to get that for you. I think it’s on the 12th. But she does these great events. She’ll create a customized plan for you. And so give them a call. It’s a complimentary appointment. That number is 303-285-3080. Again, that is Jody Henze with Mint Financial Strategies.
SPEAKER 26 :
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SPEAKER 16 :
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SPEAKER 01 :
Quickly, assemble at my father’s house.
SPEAKER 16 :
The Kim Monson Show is our modern-day Sybil Ludington, bringing us the latest breaking news in the battle for truth and freedom. Ben’s Plumbing, Heating, and Cooling is proud to stand with Kim. Will you stand with us? Get engaged with the issue that keeps you up at night so that you can influence your school and community with truth and justice. And for quality craftsmanship at a fair price, call or text Ben’s Plumbing, Heating, and Cooling at 303-995-1636. That number again is 303-995-1636.
SPEAKER 1 :
Yeah.
SPEAKER 03 :
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SPEAKER 13 :
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SPEAKER 04 :
And welcome back to the Kim Monson Show. Be sure and check out our website and join the community. Tonight is our second class. It’s online, 745 p.m. to 9 p.m. And it is the Federalist Papers. And Kathy and Marshall, I know you’re both members of the community. Did you make any of the events last week, Kathy?
SPEAKER 05 :
I did.
SPEAKER 04 :
didn’t okay well everything’s online because we know people are busy so we have everything archived how about you marshall i was there great job uh to alan thomas okay and so tonight is his second class and join us that is open for the monticello and mount vernon members we’re going to do a little table topics here and anoop i’m going to start with you and you each will have a question for gawi So how’s that? And we should explain table topics is, and we have it regularly on the show once a month with our fellow members, but it’s basically speaking extemporaneously. So I’m throwing this out for you. A question for Gawi.
SPEAKER 21 :
All right. So the question for Gawi is this. Toastmasters has been here for 100 years. What keeps you awake in the night and how Toastmasters is going to look like in the future?
SPEAKER 22 :
Well, the question is with all the increasing costs, inflation, job priorities, and all of that stuff, how do we make sure Toastmasters stays here for the next 100 years? Because people need the power of Toastmasters. We all need to communicate our ideas and thoughts.
SPEAKER 11 :
Great.
SPEAKER 04 :
Well done. Okay, Rick.
SPEAKER 11 :
I’ve noticed Toastmasters is a transformative experience for a lot of people. Tell me a little bit about a transformative story, whether you’ve witnessed it or experienced it yourself.
SPEAKER 22 :
So back home in India, one of our clubs had a person who used to not speak English, used to stammer a bit. And through proper mentoring, through confidence that he gained, he went on to become our district humorous champion. And today he’s one of the top stand-up comics in the entire country. He’s traveling all over. He’s going to have a U.S. tour coming up pretty soon.
SPEAKER 04 :
Okay. That’s pretty impressive. Okay. Marshall, how about you?
SPEAKER 25 :
Yeah. So the standard Toastmasters experience in the club environment is, you know, it’s once every week, once every two weeks in our case. When you go into leadership, though, it’s a little bit more of an investment. So if we’re officers in our clubs, it’s, you know, it could be an extra hour a week. However, when you go into the district level leadership or even farther, it’s quite an investment. And so what is the motivation for doing that? Why would somebody want to do that?
SPEAKER 22 :
Because you see the transformation happening in front of your eyes. You know you’ve been part of that transformation journey. I would say think of it as an investment in a class at college. You know, how much you put into it is how much you’re going to get out of it. I started as an engineer. Today I can do sales, I can do marketing, in game-based learning. I’ve picked up skills that, not from college degrees, but from Toastmasters International. So, got a lot out of it.
SPEAKER 04 :
Okay, Kathy, you’re on this spot here. Yeah.
SPEAKER 05 :
Well, my question is, what has been, for you personally, the most unexpected transformation that you’ve experienced?
SPEAKER 22 :
That… speaking live in front of 800 people, 1000 people, and having people out there come to me after the talk and say, hey, I resonated with you. I understand where you’re coming from. This happened to me also. You don’t have to connect with all the 800 people in the audience, but if you can connect with that one person in the audience, you have made a difference. And that’s when I kind of knew, you know, my voice, my thoughts, my ideas are getting at least to one person out there.
SPEAKER 04 :
Gawi, tell me about India.
SPEAKER 22 :
India is a wonderful country so beautiful very very proud of the country lots of rich culture and heritage and the food is delicious please do visit especially my state Karnataka lots of palaces elephants will welcome you but it’s progressing it’s now the IT hub for most of the world we have the latest technology and we have people who are contributing in all walks of life so one of the best countries to be in okay and you spent time here you graduated was it from the university of utah yes i did okay so tell us a little bit about that with an engineering degree yes okay i graduated with a chemical engineering degree with a specialization in air pollution Came down from University of Utah in Salt Lake City, came down to Denver, got my first job here in Littleton, was working for an environmental consultant, got all my foundation of adult life and the professional world in the United States, and it’s an absolutely great country to be in. Thanks to Toastmasters, I get to come back here quite often as well. This is my second home, I would say.
SPEAKER 04 :
Well, it’s really great to have you here. And Marshall, let’s talk with you first. If people are inspired and would like to check out Liberty Toastmasters Denver, what’s the best way for them to do that?
SPEAKER 25 :
I think the best way is to go to Toastmasters.org. There’s a great Find a Club, you know, I’m going to do that in air quotes, Find a Club feature there. And no matter where you are, if you’re in Denver, Longmont, if you’re anywhere in between, I know that we have listeners all across the country too. Use Find a Club and Toastmasters.org to find that club near you. If you’re in Denver, then Liberty Toastmasters will pop up in your search.
SPEAKER 04 :
And there is a club that’s just starting in Colorado Springs, correct?
SPEAKER 25 :
That’s right, yeah. Yeah, we’re excited about that. We’re trying to kind of seed them to have the same type of curriculum that we use. What we do is we go from the curriculum that Leadership Program or the Rockies uses as our weekly themes. And Rick and I, along with Brad Beck, drove down there for their first meeting to get them kicked off. So that’s really exciting.
SPEAKER 04 :
And Liberty Toastmasters Denver meets the first and third Saturdays, 10 a.m. at the Independence Institute.
SPEAKER 25 :
That’s right. Plenty of free parking. Don’t worry about going downtown. We’d love to have you.
SPEAKER 04 :
And Kathy Russell, president of Liberty Toastmasters North, if people are inspired, how can people, and people can come as guests. And so when does North meet?
SPEAKER 05 :
Yeah, we meet on the second and fourth Saturdays, also from 10 to noon.
SPEAKER 04 :
Okay. And that is in Longmont.
SPEAKER 05 :
It’s in Longmont. And we have so much fun. I cannot believe the amount of laughter that we have in our club.
SPEAKER 04 :
That’s right. Yeah. Well, we’ve become friends. And Rick Rome, we don’t always agree. We will have a theme, but we don’t all always agree. We’re very respectful, the meetings. But sometimes the after lunch thing is quite raucous. Yeah.
SPEAKER 11 :
We talk in our club specifically about things that the larger Toastmaster program really frowns upon. Religion, politics, all of those wonderful things that bring families and communities together.
SPEAKER 04 :
It makes holidays interesting.
SPEAKER 11 :
It does make holidays interesting. But the beautiful thing about the program that I’ve found is by accentuating those communication skills, we’re able to do it with respect. We’re able to actually hear each other and look past the rhetoric. And I think that’s probably, in my experience, one of the things that is the most valuable for our clubs in particular. And I think that we’re able to bring that out into the community and honestly within our families.
SPEAKER 04 :
Well, and it is really important. Kathy.
SPEAKER 05 :
Yeah, I want to add to that. Our club is amazing. We have people from almost every religion you can imagine. That’s amazing. And then we have people from all across the political spectrum, which is amazing. And the respect that people have in our club is just off the charts.
SPEAKER 04 :
When you get these barriers down, you realize that we all probably agree on many, many things. Anoop, your thoughts?
SPEAKER 21 :
What Rick brought up is very interesting. When I joined Toastmasters, the tough questions were never asked to me. There is that thing, okay, don’t talk about this. But then we have a member in our club. In table topics, he will ask the tough questions. And initially, I frowned about it. But then I realized what he’s doing. He’s making us… able to articulate those ideas in a way that everybody can understand and everybody can learn. And that was very, an eye-opening experience for me.
SPEAKER 04 :
Toastmasters for me. People say, oh Kim, you’re a good communicator. And I say, you haven’t seen my journey. I had gone through an angry period because I couldn’t communicate. And I still struggle. Obviously, I’m sitting here thinking here, I have all these Toastmasters, somebody on the international board. How many times did I flub a word or whatever? But that’s how we grow. That’s how we get better. So first of all, Gawi, it’s so great to have you here. What’s your final thought you’d like to leave with our listeners?
SPEAKER 22 :
I’m just going to say, if you think of a moment where you’ve hesitated to speak, if you’ve had those moments, then find the Toastmasters Club, either in person or online. It’s free to attend, free to come in as a guest. Check us out. And if we are right for you, we would love to welcome you into our community.
SPEAKER 04 :
Well, Anup, thank you for making this work to be the driver to get Gawi here. We really appreciate it. Any day. And Gawi, Seshadri, did I get that right? Yes. Okay. Great to have you here. Great to be here. Thank you. And Rick, thanks for making this work. Rick Rome.
SPEAKER 11 :
You know, we do what we can to help make things better. Each in our way.
SPEAKER 04 :
And I think you listened to our quote that I have for the end of the show. Marshall Dawson, always great to have you here.
SPEAKER 25 :
Thanks. I really appreciate it. As I said, I knew this was going to be a treat and it sure was. Thanks.
SPEAKER 04 :
I know. And Kathy Russell, great to have you here too.
SPEAKER 05 :
Yeah, great to be here.
SPEAKER 04 :
And our quote for the end of the show is from Ralph Waldo Emerson. He said, the purpose of life is not to be happy. It is to be useful, to be honorable, to be compassionate, and to have it make some difference that you have lived and lived well. So my friends today, be grateful, read great books, think good thoughts, listen to beautiful music, communicate and listen well, live honestly and authentically, strive for high ideals, and like Superman, stand for truth, justice, and the American way. My friends, you are not alone. God bless you. God bless America. Stay tuned for hour number two.
SPEAKER 09 :
To live a free life To live in freedom Talking about
SPEAKER 02 :
The views and opinions expressed on KLZ 560 are those of the speaker, commentators, hosts, their guests, and callers. They are not necessarily the views and opinions of Crawford Broadcasting or KLZ management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
SPEAKER 14 :
It’s the Kim Monson Show, analyzing the most important stories.
SPEAKER 04 :
I find that it takes work to get your brain around these ideas and it takes work to engage in these conversations.
SPEAKER 14 :
The latest in politics and world affairs.
SPEAKER 04 :
With what is happening down at the statehouse, I used to think that it was above my pay grade to read the legislation. And it’s not.
SPEAKER 14 :
Today’s current opinions and ideas.
SPEAKER 04 :
I see big danger in as much as we will be giving an unelected bureaucrat the power to make rules about what we inject into our bodies.
SPEAKER 14 :
Is it freedom or is it force? Let’s have a conversation.
SPEAKER 04 :
Indeed, let’s have a conversation. Welcome to our number two of the Kim Monson Show. Thank you so much for joining us. You’re each treasured. You’re valued. You have purpose today. Strive for excellence. Take care of your heart, your soul, your mind, and your body. My friends, we were made for this moment in history. Thank you to the team. That’s Producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Amanda, and all the people here at Crawford Broadcasting. That was quite a first hour, and you made it happen, Producer Joe. Thank you.
SPEAKER 27 :
It’s my pleasure, Kim. That was fun. That was really neat.
SPEAKER 04 :
We have six microphones, and we have six people here. But that requires some additional things from a technology standpoint, but you pulled it off, so congratulations.
SPEAKER 27 :
Why, thank you.
SPEAKER 04 :
So, and we are a special guest in our number one was a first vice president of Toastmasters International, Gauri Seishadri. And really a fascinating woman. She lives in India. And then Anup was her driver. And he is our district leader at District 26. And Rick Rome was in as well, who’s a fellow member of Liberty Toastmasters. They all had to leave. But Kathy Russell, you were able to stay. So it’s great to have you here.
SPEAKER 05 :
Oh, it’s so great to be here, Kim.
SPEAKER 04 :
Wasn’t that a fun hour?
SPEAKER 05 :
That was really fun. Yeah, and great hearing people’s stories.
SPEAKER 04 :
Yes.
SPEAKER 05 :
How they came to Toastmasters.
SPEAKER 04 :
And to that point, and Marshall Dawson, you’re able to stay as well. Kathy, you’re the president of Liberty Toastmasters North. North, yes. Which is great. And Marshall, you’re the president of Liberty Toastmasters Denver. But it was really, it was really, I think, I learned a lot in that hour.
SPEAKER 25 :
It was great to meet Gauri. And, you know, I didn’t realize that Anup was going to be chauffeuring her around. I got to meet Anup this year. He’s a club growth, easy for me to say, club growth director. I was an area director this year. So Anup was one of the people that I was working with on a regular basis.
SPEAKER 04 :
So you’ve interfaced with him. Yeah. Well, and if people want more information, go to Toastmasters.com. international or toastmasters.org, put in Liberty Toastmasters, and you can get all the information for our clubs. And so one of the things that we do is we have a word of the day at Toastmasters, and so I thought I’ll incorporate that into the show. And our word today is apostasy. And thank you to Jenny for that suggestion. It’s spelled A-P-O-S-T-A-S-Y. Number one, it could be an act of refusing to continue to follow, obey, or recognize a religious faith. Or two, an abandonment of a previous loyalty or a defection. So your challenge is to use the word apostasy in a sentence. And our quote of the day is from Ralph Waldo Emerson. He was born in 1803, died in 1882. And he was an American essayist, lecturer, philosopher, minister, abolitionist, and poet. And he said this, this is my wish for you. Comfort on difficult days, smiles when sadness intrudes, rainbows to follow the clouds, laughter to kiss your lips, sunsets to warm your heart, hugs when spirits sag, beauty for your eyes to see, friendships to brighten your being, faith so that you can believe, confidence for when you doubt, courage to know yourself, patience to accept the truth, and love to complete your life. Kathy, I just love going to some of these, you know, I want to say older writers. He was born in 1803, 1882. He lived through the Civil War. I think it’s inspirational for us to go back and pull these things out.
SPEAKER 05 :
That is such a beautiful quote. Yeah, you could read that every day and just start your day off right.
SPEAKER 04 :
Maybe that’s what I’ll have to do. Yeah. And what about you, Marshall? Going back and pulling these authors from a while ago. Yesterday I had Francis Bacon, and he was like in the 1500s. I think the thing about it is these words are relevant then, they’re relevant now.
SPEAKER 25 :
I guess I want to thank you. It’s a very good exercise and one that I don’t do very often.
SPEAKER 04 :
So we’ll start to incorporate that then as well.
SPEAKER 25 :
I’ll add it to the list.
SPEAKER 04 :
I’ll add it to the list. And I’m hoping that we’re getting Karen Levine on the show. As you know her, she’s a sponsor of the show, both the Kim Monson Show and America’s Veterans Stories. And she’s been a sponsor since before the Kim Monson Show. We are… We are long, long time friends. And she is an expert in the residential real estate in the metro area. And she can help you if you’re thinking about changing your address. And she’s with Remax Alliance. Karen Levine, welcome to the show. Good morning, Kim. I hear the first hour was quite exciting. It was quite exciting. It would have been great if you would have been here, but we didn’t have an extra microphone.
SPEAKER 07 :
Well, that’s terrific.
SPEAKER 04 :
But there’s been news in your life this week, and that is that REMAX International is moving their headquarters. It’s been here in Denver, and it’s moving to Florida. REMAX has been… Oh, I thought it was Miami.
SPEAKER 07 :
No? Well, we’re not moving. Okay, the headquarters are. No, we are not moving, at least not right now.
SPEAKER 04 :
Oh, okay, because yesterday there was a news report that said it was.
SPEAKER 07 :
Well, you know, it’s called news, and we know how accurate news is. Okay. But, no, the exciting news is that Real Brokers and Remax Holdings LLC, Real has purchased Remax Holdings LLC, publicly traded company, of which is the corporation that oversees franchises and the Remax operations. And so real, um, has purchased us and, um, for our day-to-day business, it is business as usual. Yes. I think there will be some consolidation and there will, we will see some change in the corporate structure, obviously, because of real, um, you know, being now our owner, um, and. Initially, the information we’ve received is that we will see very little change as far as day-to-day operations. But, you know, it has to go through the SEC and all that stuff. Okay. So the beginning of the journey has started, and yes, REAL is out of Miami. And I’m sure that they’ll, you know, we’ll still have a presence there. from a corporate level here in Denver, but because of them being located in Miami, I’m sure there’s going to be some change.
SPEAKER 04 :
Okay. But if people, for what you’re doing, it’s really business as usual. So what is an update to give us regarding things happening in the residential market?
SPEAKER 07 :
The residential market is in the midst of what we refer to as the spring selling season. It’s been a little quiet the past couple of weeks. Not as much activity as we saw at the beginning of April and not certain what the cause of that is. You know, interest rates continue to kind of bounce up and down. And, you know, Lauren keeps everybody alert. alert on what’s happening there, but there is good inventory. So choice is out there. If you’re looking to get into the home ownership arena, there is some very good opportunities in the condominium world because there are very little buyers in that space and there are very many motivated sellers.
SPEAKER 04 :
Okay. And I think, how do you address this concern regarding condos and the, is it the homeowner’s dues or whatever? I think that’s been something that people have been concerned about, Karen.
SPEAKER 07 :
Well, the cost of running a HOA, a homeowners association, those costs have gone up because typically condominium HOAs cover things like water, sewer, the maintenance of the building, the roof, the maintenance of the ground. And because the cost of all those services and all those materials have gone up, HOA dues have gone up. Um, it also in many cases, uh, includes insurance on the building as well. So we also heard, you know, about the increase in insurance costs. So that’s why HOA dues have gone up. And what you need to look at is if I were going to go buy those services and goods in the open market, would my cost be higher or lower? And in most cases, Overall cost is going to be higher if you did it independently. OK. And because, you know, they’re buying in mass, you know, they’re buying more products, so they get better pricing. OK. But it is a concern. But with condominium prices dropping, that makes that affordability much more palatable.
SPEAKER 04 :
OK, well, if people have questions, how can people reach you, Karen Levine?
SPEAKER 07 :
They can reach me at 303-877-7516.
SPEAKER 04 :
And again, that’s Karen Levine, 303-877-7516 with RE-MAX Alliance. Certainly a sponsor that strives for excellence as she works with her clients. Of course, another great sponsor is the Roger Mangin State Farm Insurance Team. And Roger knows that life can be complicated, but they want to make your life as simple as possible regarding your insurance coverage. So they will… Respond to your call or text 24 hours a day. So for that 24-hour peace of mind, call Roger Mangan. That number is 303-795-8855. Like a good neighbor, the Roger Mangan team is there.
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SPEAKER 18 :
With all the chaos and confusion in our world, how can you plant yourself on a foundation based on truth and clarity? The Kim Monson Show is here to help. Kim examines news, politics, and opinion through the lens of freedom versus force, force versus freedom, and shares human interest stories that will inspire you and make you smile. Tune in to The Kim Monson Show each weekday, 6 to 8 a.m., with encores 1 to 2 p.m. and 10 to 11 p.m. on KLZ 560 AM, KLZ 100.7 FM, the KLZ website, and the KLZ app. Shows can also be found at kimMonson.com, Spotify, and iTunes.
SPEAKER 04 :
And welcome back to The Kim Monson Show. Be sure and check out our website. That is KimMonson.com. And pleased to have on the line with me, Jay Davidson. He is the founder and CEO of First American State Bank, a great partner of The Kim Monson Show. Jay Davidson, welcome.
SPEAKER 23 :
Well, thank you, Kim. It’s an honor to be on with you.
SPEAKER 04 :
Well, it’s great to have you as well. And let’s talk a little bit about First American State Bank. It is a community bank. And really, these community banks are the rock, really, that I think is important for entrepreneurs as they are going after their American dream, Jay.
SPEAKER 23 :
Yeah, community banks, whole community banks are very much involved in the local community. We get to know our customers very well, become friends with them because we kind of like each other. And that’s what it means to be a community. We provide one service to facilitate business activity and personal activity. There are loans and deposits and savings and other kinds of services, treasury management services. But it’s all done with the flavor of You know who you’re dealing with. They’re consistently there and ready to help you. They know who you are, which is very important.
SPEAKER 04 :
Well, it really is important. And you and I have talked in the past about young people. Of course, they’re getting older.
SPEAKER 23 :
Everybody’s younger than me.
SPEAKER 04 :
Exactly. So, but young people are starting businesses and doing creative things. I know a couple of young men that in their spare time, they’ve been writing books. This new generation or this younger generation, I’m excited about it. And you’re seeing that with young people opening businesses.
SPEAKER 23 :
Exactly right. It was my dream. my kids who are now grown up and have children of their own, uh, who introduced me to other millennials and Gen Xers. I was very impressed with these younger people, their honesty and their, uh, understanding their insight. And, uh, they’re just decent people and, uh, quite good business people. They don’t like to, they don’t waste their time driving to a bank. They do a lot of things on the internet. Um, So we’ve had to adapt to their new lifestyle, the way that they want to do business. And we’ve done that, as have a lot of community banks. I won’t say that it’s been easy transitioning into treasury management services, but we’ve figured it out. We’re getting it done. Trying to address the needs of these younger folks.
SPEAKER 04 :
What are treasury management services?
SPEAKER 23 :
A lot of payment, different payment systems, Venmo and other things like that. There are suites of applications that allow you more in-depth knowledge of what’s happening in your checking or savings account. There are payment systems can be wire and ACH, Venmo, like I said, or some of the other methodologies. It’s quite a complex matrix of treasury management services. It’s about 24 in all that we provide to our customers. It just depends on how their systems are set up and what their business is, which ones they want to make use of. We certainly have the flexibility to help them build their own pressure management product from our platform.
SPEAKER 04 :
I love that, that you can customize that for each particular person. That’s just really great. How can people get more information about First American State Bank?
SPEAKER 23 :
I think the best way is to go online at www.fasbank.com and check out our website, see if you like what you’re seeing. And please do get in contact with us. We’re real live people. We don’t have any artificial intelligence. There are some days when I don’t know that we have any intelligence. We certainly try. And we will put a real human being on the other line for you. and they will find you answers that you need and set up meetings if you want. I would love to see it. That’s what we do for a living.
SPEAKER 04 :
That is awesome. And again, that website is FAS, like First American State Bank. So FASbank.com. So you recently, let’s get over to a piece that you recently had published at the American Thinker. It was published on April 8th, and it’s How a Government Kills a Republic. And we are at a critical time, at a critical juncture in America right now, Jay Davidson. So where do you want to start?
SPEAKER 23 :
Yeah, it’s a rather provocative title. And yet, I do believe that an overbearing federal government and state and local governments will kill the republic. By republic, I mean rule by the people. That’s what republic means. That’s why I’m a republican. I believe in rule by the people, not by some government bureaucrat in Washington, D.C. or Denver, Colorado. And the secret to the code here is can you transact business without interference? By interference, I mean how much taxes are being taken out of your income? How many fees are you paying for the privilege of living in Colorado and driving on its roads? How much regulation do you have to follow to do your job and run your business? And can they change the regulation on a whim, and do they? The answer is absolutely. You are subject to a government entity that has grown far too powerful and is in contravention and contradistinction to the meaning of the Declaration and the Constitution of the founding of our nation.
SPEAKER 04 :
Well, and in your piece, this is just staggering when you really think about it, that you said the Federal Reserve’s balance sheet was $800 billion in 2008. Today, it’s over $9 trillion. And that massive growth is due exclusively to quantitative easing, right? Excessive money supplied by the Federal Reserve.
SPEAKER 23 :
Correct. QE or quantitative easing is a rather arcane methodology that they seldom use and unfortunately used in the extreme back in 2008 during the Great Recession under Barack Obama. The modern monetary theory, MMT, is the unconscious distinction to the Austrian School of Economics, of which I’m an advocate. And MMT, Modern Monetary Theory, says that you can print as much money as you want without any repercussions. We know this to be an absolute falsehood. I mean, it is egregious. What the Federal Reserve and the Department of Treasury and the administration has done over many presidents in the outcome of 20 years, they’ve been doing this. If you print too many U.S. dollars, you devalue. every other dollar in existence. And the inflation that you feel today, the reason that your house is worth more, the reason that you pay so much more for gas and groceries, the reason that you have so little left over at the end of the month, is that the dollars that you are using have been devalued by this incredible amount of money supply the Federal Reserve has pumped into our economy. I know it sounds arcane and And it is somewhat. But these facts are immutable. If you have too much of an item, it becomes commoditized, and it’s devalued. The dollar is no different. That’s why the Federal Reserve, when they were started in 1913, their prime and only directive was to preserve the value of the United States dollar. In the intervening 100 years, plus years, they’ve devalued the dollar by over 90%. They’ve been an utter failure in protecting the value, which is the purchasing power of the United States dollar.
SPEAKER 04 :
Jay Davidson, there’s people that think that the Federal Reserve should go away. What would you say to them about that?
SPEAKER 23 :
The concept of the Federal Reserve is complex, and I think you need to understand all the various aspects of it. There are certain aspects of the Federal Reserve that run beautifully. The one area with which I have the biggest heartbreak is the Federal Open Market Committee, or FOMC. And this is the group of governors that set the monetary policy guidelines, which is interest rates up or down and money supply up or down. Those are the two tools they use. And I think they’ve made egregious errors ever since Ben Bernanke was chairman. It continued with Janet Yellen, and it’s continuing with Jay Powell. And yes, I do think the FOMC should be readjusted, changed. I think they’ve made egregious errors. They’re causing incredible pain. And to make matters absolutely untenable for me personally, they have placed the burden of debt on all of us Americans We did not ask for it because every dollar that they printed, all of that $8 trillion that they printed is under quantitative easing becomes debt on our shoulders. That’s the secret sauce of what they’ve been doing. They have taken these dollar bills. They have to counterbalance it with bonds, treasury bonds, and they’ve done that. So now we have this incredible debt. We citizens have to repay. That’s another reason why the value of the United States dollar has gone down. The excessive debt that exists on every citizen. And the people that are buying pressures are saying, well, do I really trust them to be able to make these payments? They’re unbelievable. I mean, the debt service, which is the interest that we have to pay on the national debt, is over $1 trillion a year. So we’re adding another trillion dollars to the $36 trillion in debt we have every year. That’s just funded commitment. If you look at unfunded commitment, the national debt is well over $100 trillion. This is unsustainable. And I’ll shut up.
SPEAKER 04 :
No, it is not sustainable. And it’s also… You mentioned that we didn’t agree to all this debt, but just think about our next generations because they will be saddled with something that they had no say in as well. And there’s something immoral about that. When our founders talk about a virtuous citizenry, One of the first things is, is that you don’t have government that steals from the people. And ultimately through inflation, I’ve been watching on the state level as president of cut as gyrations by both sides of the aisle to, and I have this in your quotes, balance the budget. They’re moving money around. They’re taking money out of the unclaimed property tax or unclaimed property fund. which that’s people’s property, and both Republicans and Democrats are raiding that fund. This is not okay. We’ve got to get this stopped, and it’s not virtuous. So I think when the founders talked about a virtuous citizenry, one of the first things is we don’t steal from each other.
SPEAKER 23 :
Amen. That’s in the commandments, the Judeo-Christian commandments. And inflation is stealing and excess taxation is stealing and putting other people into debt is stealing. You’re right. There’s no two ways about it. These tax and spend politicians on both sides of the aisle, I agree with you, have got to stop. We have got to fire these people. That’s why they stand for election every few years. Because we, the people, are required to become involved if we want to keep our republic.
SPEAKER 04 :
Well, and I think we do want to keep this republic. I think a lot of people don’t understand just the blessings that we have because of this republic. But I think that we’re at a time where people are paying attention. I think we have great opportunity. We’re going to continue the discussion with Jay Davidson, founder and CEO of First American State Bank. And another great sponsor of the show is Radiant Painting and Lighting.
SPEAKER 24 :
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SPEAKER 15 :
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SPEAKER 01 :
All Kim’s sponsors are in inclusive partnership with Kim and are not affiliated with or in partnership with KLZ or Crawford Broadcasting. If you would like to support the work of The Kim Monson Show and grow your business, contact Kim at her website, kimmonson.com. That’s Kim Monson, M-O-N-S-O-N dot com.
SPEAKER 04 :
Welcome back to the Kim Monson Show. Be sure and check out our website. That is KimMonson, M-O-N-S-O-N.com. And I wanted to mention the two nonprofits that I support on the show regularly. One is the Center for American Values, which is located in Pueblo on the beautiful Riverwalk. They’re focused on these foundational principles of honor, integrity, and patriotism, and they do that through their programs. portraits of valor of Medal of Honor recipients and educational programs. And so more information about them, you can go to AmericanValueCenter.org. And then also the USMC Memorial Foundation is doing great work taking care of the Marine Memorial, which is right here in Golden, Colorado. And it is so important that we remember and honor those that have given their lives for us and that we keep their stories alive. So check out their website. That is usmcmemorialfoundation.org. We’re talking with Jay Davidson. He is the founder and CEO of First American State Bank, which is a community bank located right here in the metro area. That website for more information is FAS, like First American State Bank.com. So FASbank.com. And Jay Davidson, we’re talking about this piece that you recently published at American Thinker as how a government kills a republic. And one of the points that you made in the piece is that the federal government or federal income tax revenue is at an all-time high. And that is money that is taken from people, their hard-earned dollars. I would really like to see that not be at an all-time high. I’d like to shrink some government here, Jay Davidson.
SPEAKER 23 :
Yeah, there’s two aspects to that, Kim. Number one, the revenue is high. The tax rates are relatively high. And the deductions are relatively low on our taxes. So we’re actually, there’s been a clandestine tax increase on us, on all of us. But the other side of the equation is that the spending has gone out of bounds with the income. And the spending has grown so dramatically by the federal government that they operate on a deficit basis. So they’re always continually borrowing. This is a big debate when the government was shut down for a while. And I’m pleased that it was shut down. I don’t think The government does quite as much good for us as we tend to assume it does. I think the American population should be looking much more closely at the government. There are unintended consequences and serious consequences to an excessively large government. And it is manifest through the spending that government does. That’s what demonstrates to everybody how powerful the government is. And their spending is out of sight. It’s ridiculous. And there’s no end in sight. The progressive left and some of the Republicans on the right are advocates for bigger government. And I think that is the one key differentiation that I find in any politician whom I support. If that politician is advocating for more laws, more rules, more regulation, more taxes, and more fines, I will have nothing to do with them. In fact, I’ll actively advocate against them. But if they’re in favor of reducing the number of laws on the books, reducing regulation, reducing tax rates and tax income, and reducing fines and fees, then I am 100% in favor of them. And I don’t differentiate between a Republican, an Independent, or a Democrat. I think this is a universal call to action to all moderate citizens, and most of us are moderates, We don’t want extremes. We don’t like extremes. And that’s all we’ve been getting. And we’re kind of like a lobster in a boiling pot of water. The water temperature is going up and we’re slowly going to sleep and reelecting these people, these politicians that want to basically control our lives by stealing from us. I think it’s time for us citizens to wake up to the principle of less government. That’s why the title, is how a government kills a republic.
SPEAKER 04 :
Well, and one of the things on the spending, and I think we are at a good point right now because people are looking at what’s happened up in Minnesota with the fraud in the Somali community. And I think Americans are very charitable people. We want to help in so many of these different government programs. They pull on our heartstrings and people kind of agree to them. But I think that people now say, wait a minute, you’re cheating us. And I don’t think people like that at all. And so I think that we’ve got an important opportunity, but we need to keep the pedal on the metal regarding bringing these things to light. So that’s why we do the show. We just opened up a new newsroom, a variety of things. We need to keep this out here in front of people so that they understand what’s going on. And these government grants, that is not a proper role of government at the local, county, state, or national level to take money from one person to give to another person. That is not the proper role of government, Jay Davidson.
SPEAKER 23 :
You’re 100% right and we’ve lost sight of why the Constitution and more particularly the Declaration was created in the first place. These two documents and the Declaration was the first of them and should be the primary document. Declaration states that all men are created equal. They are endowed by their creator with certain inalienable rights. Life, liberty, and in the original it was ownership of property, which it should be still. But the fact is that the Declaration says you have individual, unalienable rights from our creator. And these rights don’t emanate from the government, because if they did, then they could be taken away by the government. And the point of the Constitution and the Declaration are to define the principles by which we live. We have an inalienable right, a God-given right, life, liberty, and ownership of property. And when a federal government, state, local government, infringe on those rights, they are breaking the rules that our creator has established and that has been codified in the Declaration and the Constitution. And we individuals have every right. In fact, we have more than a right. We have an obligation and a duty. stand up against this kind of activity. If for no other reason than the sake of our grandchildren.
SPEAKER 04 :
Well, and we have, we have that responsibility as we’re coming in to celebrate our 250th birthday. When in the declaration at the very end, when they, where they say that they pledge their lives, their fortunes and their sacred honor, they were serious about that because they could hear the British cannons just down the river. And that spirit, and you quoted the beginning of the declaration, that spirit is we have that duty to pass on to our children the liberty that was passed on to us. And if they were willing to put their lives on the line for this, well, we can be a little inconvenient and show up at some different meetings and engage with people regarding these important principles, Jay Davidson.
SPEAKER 23 :
Yeah, you’re right, Kim. And I think that there is basically one principle, I think, and that is what I call the sanctity of the individual. And if the Creator has given us these rights to life, liberty, and ownership of property, then we’ve been sanctified by the Creator as individuals, not as a group and not as a mob or a tribe, but as individuals. And that’s not a selfish position. It’s just the way that we’ve been established here. So I think we as individuals must demand the rights that were provided us by our creator. And our Constitution was built specifically around one thing, and that one thing is controlling the federal government. And if our politicians and our bureaucrats don’t follow the Constitution, then they have to be taken out. And by that, I mean fired.
SPEAKER 04 :
Right. Voted out.
SPEAKER 23 :
Voted out. Thank you. That’s a much more correct way of saying that. They have to be voted out. And the bureaucrats have to be fired. The path that we’re on, the malice that we feel as American citizens today emanates from excessive government intervention in our lives. We don’t even know it’s happening. I talk to people and they’re unconscious about the incursion of our government in every aspect of our lives. And yet it’s all around you. If you just look at it, it’s obvious that they’re doing way too much.
SPEAKER 04 :
And they are really way out of their lane. And I think the first place we’ve got to address is these government grants, tax credits. What we need to do is I think we need to get to just a flat income tax, and that’s it. We all just paid our taxes, and somebody said that… With the federal government doing your taxes, it should just be the question of how much did you make last year? And then it seems like the federal government says send it all in. And we’ve got to change that, Jay Davidson. But I think that we need to get rid of all of this complex tax structure and just make something a lot simpler. And that’s going to be a lot fairer, I think, also, Jay.
SPEAKER 23 :
Exactly right, Kim. You look at the stats on who pays taxes. the top 1% of wage earners, and granted, they’re making a bunch of money, but the tax code is progressive. So the top 1% pays a much larger portion of their income on federal and state and local taxes. And they account for something like 50% of all the taxes paid, the top 1%. Conversely, the bottom 50% of wage earners don’t pay any tax. Their net recipient of government programs. Wait a minute. You know, we’re all in this nation. We’re all pulling together. And the beautiful thing about a flat tax, which is a flat percentage, is that we all pay our fair share because we breathe the air, we drink the water, we walk on the land. I’m okay with paying for some, you know, interstate and interstate activity for my government. You know, I think the government can do some good. I think they’ve done way too much bad. And if you look at it objectively and historically, the greatest mass murderers in history have been government.
SPEAKER 10 :
Think about it.
SPEAKER 23 :
Stalin, Hitler, Pol Pot. More and more Gaddafi. I mean.
SPEAKER 27 :
Mao.
SPEAKER 23 :
Name a Mao.
SPEAKER 27 :
Which one? Mao. From China.
SPEAKER 23 :
Mao. Oh, God, yeah. Yeah. Yeah. So, no, we’re not in that position here with our groups. I mean, we’re all American citizens. We care for each other in our own way. But, you know, we’re going down that path. And if we don’t stop it, what do we give to our grandchildren? You know, a totalitarian government? And that’s the path that we’re on right now.
SPEAKER 04 :
Well, it is. And that’s why these discussions are so important. Jay Davidson, what’s your final thought that you’d like to leave with our listeners today?
SPEAKER 23 :
Our creator imbued each one of us with inalienable rights. And he said, you as an individual are sacred. And I want you to remember that every time a politician comes in and says, I’m going to put more taxes on you. I’m going to put more fines on you. I’m going to regulate you more. I’m going to make more laws. You need to tell them they need to go away because that is not the intent of our creators. Our intent was that we would make our own decisions and act in freedom.
SPEAKER 04 :
And so that’s why we have a responsibility to change these people that are in these elected offices that are appointing bureaucrats between all of them and interested parties that are lording over our lives, as I call them, PBIs, politicians, bureaucrats, and interested parties. And Jay Davidson, we can do this because we are engaged in this big battle of ideas. And I really appreciate you being involved in this with us as a sponsor. So thank you.
SPEAKER 23 :
You’re so welcome, and keep up the good work.
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SPEAKER 19 :
The Kim Monson Show is expanding and augmenting our voice and reach. In addition to the Kim Monson Show broadcast, we have created the Kim Monson Newsroom and the Kim Monson Community. We call them the Three Presses, and they are foundational to free speech and engaging in responsible self-governance. Go to kimMonson.com, click on the Newsletter tab… and sign up for the weekly email newsletter and the Daily Digest. And join the Kim Monson community, which is a modern salon where you can contemplate, connect, and converse around the principles we cover daily. Sign up today at kimMonson.com.
SPEAKER 04 :
Welcome back to The Kim Monson Show. Be sure and check out our website. That is KimMonson, M-O-N-S-O-N.com. And in studio with me is Marshall Dawson. He is the president of Liberty Toastmasters Denver. Great to have you here. Yeah, get it right. And Kathy Russell, president of Liberty Toastmasters up north. So it’s great to have you here as well. And several things I wanted to mention. First of all, the deadline is coming up for this Making Your Voice Heard. regarding this ban of commercial fur sales here in Colorado. And comments are due by May 3rd, so that’s on my list of things to do today. And you can go to engagecpw.org forward slash commercial fur sales, and that will bring up where you can make the comments on that. So that is on your to-do list. And then also make your voices heard regarding the gray wolves. This is for the Federal Register. and just put in federalregister.gov, and I think the Colorado Gray Wolf, and you can make your voice heard on that. I think that we have until sometime in June for that, but I’m going to get both those things done today. Always, I want to say thank you to our great sponsors. One of those is the Harris family. They are gold sponsors of the show, and I greatly appreciate that. And then also Little Richie’s. And Marshall, you said you’re going to try to get to Little Richie’s in Golden this weekend. I said, that’s great because it’s Calzone Day on Saturdays.
SPEAKER 25 :
I’m going to be in Golden this weekend. Otherwise, it’s a pretty long drive.
SPEAKER 04 :
Right. Well, you can get two and put one in the freezer even. They’re really delicious. And Little Richie’s is your local neighborhood spot where you can get authentic New York-style pizza and pasta. They’re locally owned and have been serving Parker and Golden for over 20 years. And as I mentioned, Saturdays are Calzone Day. Buy one Calzone. Get the second Calzone off. And then also another great sponsor of the show is Mint Financial Strategies. And Jody Henze and her team are creating individual plans for people. It’s tailored just to you. She’s helping me with my own individual financial freedom as well. And so to get more information, go to mintfinancialstrategies.com. That’s, or excuse me, it’s M-F- Hold on, I’ll just give you the phone number. I got that right here. And that is, we were talking about having phone numbers memorized and I said, oh, normally I do, but oh goodness here, too many pieces of paper. You don’t have that memorized for me, do you? Marshall, here we go. Mint Financial Strategies, that number is 303-285-3080, 303-285-3080. And again, Jody can create a plan built just for you. And Kathy, Russell, it’s been great having you here. Great first hour with Gauri Seshadri. There we go. And she’s from India. And it was really just great to have all you here. Yeah, it was great to be here, Kim. Thank you so much. And thank you. You gave Gal Reid this great book, Common Sense by Thomas Paine, and somehow you brought one for me as well. Thank you.
SPEAKER 05 :
Yeah, Celebration of 250 Years of Independence. From apostasy.
SPEAKER 04 :
Apostasy. Apostasy. There you go.
SPEAKER 05 :
Good try.
SPEAKER 04 :
You know, expanding our vocabulary is so important, though. Yeah. So I really appreciate that. And Kathy brought me a gift. You didn’t seem to get that memo, Marshall.
SPEAKER 25 :
I’ll have to see what I have down in the truck.
SPEAKER 04 :
Not necessary. Not necessary at all. And so your takeaway, Marshall, from this whole show today.
SPEAKER 25 :
Well, I mentioned this to Gary off air. It might be an apostasy to say this, but I was disappointed when our old Toastmasters manuals had gone away. I really liked the old program. They revised and modernized it a few years back. Well, they have brought back the content of those manuals now as part of what they call the vintage paths. So if you had been in Toastmasters before and liked that older program, this is a good reason to come back.
SPEAKER 04 :
Okay, and is it hard copy or is it all online now?
SPEAKER 25 :
It will be online. I think, gosh, I think that they have the PDFs. You could still print the manual if you wanted to.
SPEAKER 04 :
Okay, okay.
SPEAKER 25 :
Yeah.
SPEAKER 04 :
And how can people get more information about both? Well, we now also have a Colorado Springs Club. How can people get more information?
SPEAKER 25 :
Well, I always say go to Toastmasters.org and put in your location and you’ll find the clubs in your area. Our individual club websites for the one in Denver, it’s liberty.toastmastersclubs.org. And in Longmont, it’s a little bit longer, libertytoastmastersnorth.toastmastersclubs.org.
SPEAKER 04 :
And Kathy, in June, each of the clubs will be having an open house in honor of our 250th birthday.
SPEAKER 05 :
Right. Yeah, we’re so excited about that and haven’t fully worked out what the plan is, but people are invited to just come and check it out and see what happens. What a really great two hours of fun and learning can be about.
SPEAKER 04 :
You know, you never know what’s going to happen. And I think that he, I think he maybe was one of the co-founders, but he was early on, Ben Martin. I don’t know if you ever met him, Marshall, but he has just a deep understanding of art history. In fact, I took a course that he had taught regarding America’s founding heritage. And he was a member of Toastmasters. I was pretty new. And for the 4th of July, he brought one time he brought Madeira wine, which is that’s what the founders drank. And then another time he brought there was an original Samuel Adams beer. It sounds like we drink a lot at that. But he brought both of those things because of our founding. And it was just little things like that that has just really made Toastmasters so special. So it’s so great to have you all here. Greatly appreciate it, Kathy. I wish you a great day. And you will be in studio this next month hosting our table topics or co-hosting our table topics. So great to have you here. And Marshall, also, it’s always great to have you here as well.
SPEAKER 25 :
Well, again, thank you for the opportunity. This is just a treat to be able to come down and sit in a studio with you and if Gary.
SPEAKER 04 :
Yeah. And Kathy, great to have you here too.
SPEAKER 05 :
Yeah. Great to be here, Kim. Thank you.
SPEAKER 04 :
And our quote for the end of the show is from Ralph Waldo Emerson. And he said this, he said, the purpose of life is not to be happy. It’s to be useful, to be honorable and to be compassionate, to have it make some difference that you have lived and that you have lived well. So, my friends, today be grateful, read great books, think good thoughts, listen to beautiful music, communicate and listen well, live honestly and authentically, strive for high ideals, and like Superman, stand for truth, justice, and the American way. My friends, you are not alone. God bless you, and God bless America.
SPEAKER 02 :
The views and opinions expressed on KLZ 560 are those of the speaker, commentators, hosts, their guests, and callers. They are not necessarily the views and opinions of Crawford Broadcasting or KLZ management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
