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Welcome to the Kim Monson Show podcast. Kim Monson is your host. 2025 is winding down. President of the USMC Memorial Foundation Paula Sarlls invites you to make a year-end tax deductible contribution to the Foundation. RE/MAX realtor Karen Levine and mortgage specialist Lorne Levy address the metro real estate market. Retired USAF Col. Bill Rutledge shares details of the life of John Heisman whom the Heisman Trophy is named. And we’ll talk with Teddy Collins and Alicia Garcia with The 2nd Syndicate and Spartan Defense. ————————————————————————————– The Kim Monson Show airs on KLZ 560 AM every Monday thru
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It’s the Kim Monson Show, analyzing the most important stories.
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An early childhood taxing district? What on earth is that?
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The latest in politics and world affairs.
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I don’t think that we should be passing legislation that is so complicated that people kind of throw up their hands and say, I can’t understand that.
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Today’s Current Opinions and Ideas.
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And it’s not fair just because you’re a big business that you get a break on this and the little guy doesn’t.
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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 each are 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, Teresa, Amanda, and all the people here at Crawford Broadcasting. It is Friday, Producer Joe. Thank goodness it’s Friday. I think I’ve heard that before. But we are working like maniacs because I cannot believe, Joe, that Christmas, we pre-record. We’re going to do a blend, actually. We’ve got some shows that we, I think, will evergreen. I think that we have three we’re going to rebroadcast. And then we have been working diligently to book our guests so that we will pre-record for the week of Christmas, which is… I cannot believe it. It is right around the corner, Joe.
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It came so fast. I just blinked and it happened.
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Have you done your Christmas shopping?
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No.
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Oh, you’re probably one of those guys that you’re out there on the 24th, right? Yeah.
SPEAKER 08 :
Yeah, that’s me. And I find some great stuff in the leftovers from everybody else.
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Yeah, by that time, then they’re starting to mark things down, so it’s good for the budget. And so, yeah. But we are working diligently. But let’s jump in here. Do check out our website. It is Kim Monson, M-O-N-S-O-N.com. And while you’re there, make sure that you are signed up for our weekly email newsletter. You can email me at Kim at KimMonson.com. Text line is 720-605-0647. And thank you to all of you who support us. We are an independent voice on an independent station, and we search for truth and clarity by looking at these issues through this lens of freedom versus force, force versus freedom. Something’s a good idea. You should not have to force people to do it. And it’s not compassionate and it’s not altruistic to take other people’s stuff. Another term for taking other people’s stuff is theft or stealing. So that’s not okay. And, of course, weapons can be used for that. But taking other people’s rights, their property, freedom, livelihood, opportunity, childhoods or lives via force could be a weapon. But it could be policy and unpredictable and excessive taxation, fear, coercion. government-induced inflation. This agenda by the World Economic Forum and the globalist elites is playing out all the way into local government. And out in Lakewood, it is just crazy what’s going on. The citizens want to redress their government regarding this whole new zoning. And The city manager and staff and the mayor and city council are doing a whole bunch of things to try to prevent citizens’ voices from being heard. This is not how it is supposed to be, my friends. And so that’s why we do the show, because if something’s a good idea, shouldn’t have to force people to do it. And on the show, we focus on the issues and we’ll mention the people, but we try to stay out of the personalities on all of this. Our word of the day… It’s a great word, and it’s magnanimous, and it is spelled M-A-G-N-A-N-I-M-O-U-S. And it could be, number one, highly moral, especially in showing kindness or forgiveness, as in overlooking insults or not seeking revenge. Number two, it could be great of mind, elevated in soul or in sentiment, raised above what is low, mean, or ungenerous, of lofty and courageous spirit. And we are calling on Governor Jairus Polis to be magnanimous towards Tina Peters because we are in the Christmas season. And we are asking him to release her from Colorado State Prison. And there’s really several reasons. First of all, we’re asking him to show kindness and compassion and mercy towards her. Secondly, she needs some medical care. And so she needs to be released so that she can check that out. And then her mother is 97 years old, and she would really like to visit her mother as well. And so Jared Polis could be magnanimous and release her so that she can do that. Now, big news is that yesterday, President Trump pardoned Tina Peters. Now, many of you, I got a whole bunch of text messages and thank you saying, what does this mean exactly? And I don’t know the answer. I think that it’s going to probably end up in the courts. because there’s questions on whether or not he can pardon someone that’s been convicted in state court. So I’ve said to everyone, we keep the pedal to the metal to call on Jared Polis to release Tina Peters by Christmas Eve, and it would be magnanimous if he would do so. Our quote of the day is from Peter D. Lemon, United States Army Medal of Honor recipient, born in 1950. Actions he took in 1970, so he was 20 or 21 years old. And this is his citation. It is for conspicuous gallantry and intrepidity in the action at the risk of his life above and beyond the call of duty. Sergeant Lemon, then Specialist Fourth Class Company E, distinguished himself while serving as an assistant machine gunner during the Defense of Fire Support Base, Illingworth. When the base came under a heavy enemy attack, Sergeant Lemon engaged in a numerically superior enemy with machine gun and rifle fire from his defensive position until both weapons malfunctioned. He then used hand grenades to fend off the intensified enemy attack launched in his direction. After eliminating all but one of the enemy soldiers in the immediate vicinity, he pursued and disposed of the remaining soldier in hand-to-hand combat. Despite fragment wounds from an exploding grenade, Sergeant Lemon regained his position, carried a more seriously wounded comrade to an aid station, and as he returned, was wounded a second time by enemy fire. Disregarding his personal injuries, he moved to his position through a hail of small arms and grenade fire. Sergeant Lemon immediately realized that the defensive sector was in danger of being overrun by the enemy and unhesitatingly assaulted the enemy soldiers by throwing hand grenades and engaging again in hand-to-hand combat. He was wounded yet a third time, but his determined efforts and successfully drove the enemy from the position. Securing an operable machine gun, Sergeant Lemon stood atop an embankment fully exposed to enemy fire and placed effective fire upon the enemy until he collapsed from his multiple wounds and exhaustion. After regaining consciousness at the aid station, he refused medical evacuation until his more seriously wounded comrades had been evacuated. Sergeant Lemons Gallantry and extraordinary heroism are in keeping with the highest traditions of the United States service and reflect great credit on him, his unit and the U.S. Army. And he said this, he said, true heroism is not a matter of chance. It’s a matter of choice. And when we look at the challenges that we are faced with in America today, we must engage in this battle of ideas, and we can take great heart from these stories of our Medal of Honor recipients. Now, many of these quotes are in the Medal of Honor quote book that you can purchase by going to AmericanValuesCenter.org. It is a wonderful Christmas gift and would highly recommend that you do that. And I always love to acknowledge Susan Harris and the Harris family as goal sponsors of the show. They are so valued in what we do. And so I thank them for their great sponsorship. And then Hooters Restaurants has locations in Loveland, Westminster, and in Aurora. And they have great specials Monday through Friday for lunch, also for happy hour. Great place to watch the Denver teams as they are performing. Doing very well. And so, again, it’s great to give them business. All of my sponsors, another great way to support the show is to give them your business. And so Hooters Restaurants, again, a great sponsor of the Kim Monson Show and America’s Veterans Stories. And then also the Roger Mangut State Farm Insurance Team. Roger’s been in business for over 50 years, and they can create personalized insurance plans to cover all your needs from protection for your cars to your home, condo, boat, motorcycle business, and renter’s coverage. You might be able to save some money if you bundle all that together. The only way to find out is call them. That number is 303-795-8855. Like a good neighbor, the Roger Mangan team is there.
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The metro real estate market is ever-changing. If you are looking to buy a new home, there are opportunities that the metro real estate market has not experienced for a while. Award-winning realtor Karen Levine with REMAX Alliance has over 30 years’ experience as a Colorado realtor, and she can help you buy that new home. sell your home, purchase a new build, or explore investment properties. Karen Levine can help you successfully navigate the complexity of real estate transactions. Call Karen Levine at 303-877-7516. That’s 303-877-7516. You want Karen Levine on your side of the table.
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There’s so much noise coming at us. Sometimes it is difficult to make sense of it all. How can you sift through the clamor for your attention and get to the truth? The Kim Monson Show is here to help. Kim searches for truth and clarity by examining issues through the lens of freedom versus force, force versus freedom. 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, the KLZ app, and Alexa. Play KLZ. Shows can also be found at KimMonson.com, Spotify, and iTunes.
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Indeed, it is Friday, and welcome back to the Kim Monson Show. And do you have big dreams for your future, but you’re not quite sure how to get there? Call our friends at Mint Financial Strategies. They know your financial life is unique, and as an independent firm and an accredited investment fiduciary, they build personalized strategies that put your freedom and goals first. No sales pressure, no one-size-fits-all approach, just thoughtful guidance built around you. So take that first step toward your future. Call Mint Financial Strategies at 303-285-3080. That’s 303-285-3080. On the line with me is my dear friend, and that is Paula Sarles. She is the president of the USMC Memorial Foundation. She is a Marine veteran. She is also a Gold Star wife. Paula Sarles, welcome to the show. Well, thank you for having me, Kim. It’s good to be here. Well, good to have you. And I wanted to talk a bit about the memorial. You and your team raised the money to take care of the memorial. You’re working on the remodel. And we’re at year end. And people can make a tax-deductible contribution. They can buy a brick, which is a great gift for Hanukkah or for Christmas. So update us on everything that’s going on.
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Well, we do need to maintain the memorial, and it costs quite a bit of money to just keep the flags flying there and keep them repaired. The wind is so bad it breaks the things that hold it on the pole. I can’t remember what they’re called. Anyway, it just costs some money to maintain it, and we appreciate any donations that we can get for that. And we’re trying to raise money to remodel it, of course. And the Buy a Brick program is a great way to remember someone really special. And in fact, I’m going to be donating using the Buy a Brick program this week for my dear friend Lou Ince, who was a Colorado senator and a Marine. And he passed away a couple days ago down in the San Luis Valley. He did great things for Colorado when we had a Senate that was really proactive for veterans and doing great things. So he was a wonderful man. It’s a good way to remember somebody special. And what you get is a nice certificate when you make the donation. It has a picture of the brick on it as a keepsake for when… The bricks are laid. We’ll notify you and let you know. And that might be a few years from now because we’ve got to raise a lot of money.
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Well, and the plan for this, which I love, as you know, with America’s Veterans Stories, we tell the stories, archive, broadcast. and record, obviously, the stories of many of our veterans. But that is one of the visions for the remodel of the memorial, is to also have these stories there, which is so important so that we remember our history, Paula.
SPEAKER 05 :
Right, and that’s one of the main purposes for our visitor center. We’re different than… The National Museum of the Marine Corps, they tell the story of the Marine Corps itself. But the memorial tells the story of individual Marines and also other veterans that those stories need to be kept alive. And just like America’s veteran stories does, we want to keep the people and their stories living for future generations.
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So how can – yeah. Well, and that is so important. And let me give the website. That’s usmcmemorialfoundation.org. But the memorial, Paula, and over the years as you and I have been together, I’ve emceed events out there, the memorial has actually saved lives, yes?
SPEAKER 05 :
Oh, yes. One of my favorite stories is a young man that was out there, Cesar, and he was – there one morning very early contemplating suicide unbeknownst to me and I sat down and talked to him I could tell he was sad and invited him to come back to the ceremony later in the day which he did and I didn’t see him again that was in 2012 and in 2024 12 years later I saw him at a luncheon And he said, you don’t remember me, do you? And I said, well, I know your face, but I can’t remember your name. And he said, I remember talking to you at the memorial. And he said, yeah. He said, you saved my life that day if I was going to commit suicide. And we talked, and he told me what he was doing now. He’s got a shirt on that says Vet Connect, and he’s helping veterans with PTSD. And that day he talked to me because I had had a recent incident and he helped me talk my way through that and it had triggered my PTSD. So it was full circle. And then he came to the memorial that August and talked about his experience there and what the memorial meant to him. So it came full circle. And that was just a wonderful thing. We have a bunch of anecdotal stories like that about how The memorial and the people there saved lives.
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Well, it’s a remarkable place. And this is the official Marine Memorial throughout the whole country. This is it, yes?
SPEAKER 05 :
Yes, it’s the United States Marine Corps Memorial. As opposed to the War Memorial in D.C., that’s the big Iwo Jima statue. That’s the Marine Corps War Memorial.
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Okay. How did we end up getting the Marine Memorial in Colorado?
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Well, there was a retired gun resurgent that lived in Golden, and his name was Bo Bowers. And he saw this piece of land and got the governor to give it to us and got a bunch of Marines together to build it and people to donate all the material and stuff. And they built it very inexpensively. And it stood the test.
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the test of time for 50 almost 50 years now wow it’s remarkable and the plans for the memorial are they are significant and a big donor would be like really helpful right yes it would be we’re working on one right now that’s um
SPEAKER 05 :
Pretty significant, but we need a lot of money to do what we… We have a big plan, and I know that there are people out there that want to make a difference in the world, and this will definitely do that. And long-term plans, we hope to have like a one-stop shop to help veterans and get them the help that they need and point them in the right direction. So… And we really would love to have a great donor that would help us get to the next step. Or people that know people that can help us, too.
SPEAKER 12 :
Well, and then obviously this inch-by-inch with the purchasing the bricks and donations at the end of the year. So these are tax-deductible, correct?
SPEAKER 05 :
Yes, we’re a 501c3, so they are deductible. Okay. You don’t get anything in return except a certificate, which is minor, and so it’s fully deductible.
SPEAKER 12 :
Okay, and again, how can people support the Marine Memorial, buy a brick? What is that website, Paula Sarles? It’s usmcmemorialfoundation.org. Okay, and your final thought on all this, Paula?
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Well, my final thought is for everyone to have a Merry Christmas and remember those who provided us the opportunity to celebrate it.
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And donate, donate, donate. Okay, definitely. That’s usmcmemorialfoundation.org. Paula Searles, thank you for all the great work that you do. It is so important. And I wish you and yours a very Merry Christmas, prosperous 2026, and we will talk again very soon. Yes, ma’am. Thank you. And looking at the text messages coming in, 720-605-0647, I know so many of you are so excited that President Trump has pardoned Tina Peters, but we must get her released. And so even though he has pardoned her, it is pedal to the metal on this petition that to continue to encourage people to sign it so please sign it uh send it out to your sphere of influence and ask them to sign it as well and um and pass it on and so what is going to happen here and we’ve got people signing this from all over the country which is great because uh Jared Polis wants to run for, or the rumors are, he wants to run for another office. And so if he realizes that there are those throughout the country that are asking him, are not asking him, calling on him to release Tina Peters, that he that he will do so. And we’re not over in the political side. We’re over here on the humanity side. And that is that she needs medical care. Her mother’s 97 years old. And so he can show some kindness. And some mercy and some compassion and release her. So when the girls were over the other night, they suggested that we have a due date. So this is what this is all going to look like. The due date is 9 a.m. on Monday, the 22nd. And then I will deliver the signatures to the governor’s office that day as well. I would recommend that you sign it sooner versus later, but that is our due date. You can sign it by going to the petition, by going to Kim Monson. That’s M-O-N-S-O-N dot com. There is a red banner at the top. Click on that. It’ll give you some additional information. You can sign that. Bear in mind, every year since 2019, since Governor Polis has been in office, he has pardoned or commuted sentences. Last year… He pardoned two murderers, one rapist, one bank robber, in addition to others. Tina Peters maybe had a traffic violation before all of this happened. And she is languishing in prison because the judge would not let her post bond while she is appealing her case, which is, you know, you scratch your head on that. But we are calling upon Jared Polis to release her by Christmas Eve. So sign the petition. Go to KimMonson.com. It’s all coming in to me. This is not a third party. And what we will provide is first name. first initial of the last name, and probably the state. And so again, get this out not only to your friends and family here, but people throughout the country. All these things happen because of our sponsors. And we’ll talk with them in the second hour. And that is Alicia Garcia and Teddy Collins with Spartan Defense and the Second Syndicate.
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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.
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Thank God it’s on.
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Indeed, it is Friday. Welcome back to The Kim Monson Show, and thank you for joining us. On the line with us is a fan favorite, and that is Colonel Bill Rutledge. He is 97 years young. He has traveled the world. He has a curiosity about people and places and history. He’s an avid reader, and he shares his perspective and wisdom with us on many things. But we’re going to talk about the Heisman Trophy and John Heisman, Colonel Rutledge, welcome. Good morning, Kim. It’s good to have you. So tomorrow, the Heisman Trophy will be awarded, and it is the highest honor for a college football player. And there are four finalists, correct?
SPEAKER 03 :
That’s correct. And most of the people who watch the game don’t know the names of the players, but they certainly know the names of the colleges that they represent. The number one favorite is Fernando Mendoza at the University of Indiana. But a close second rating is Diego Pavia from Vanderbilt. Because both of these players have brought their teams up in the last two years from just nowhere almost. And then there’s a third candidate, Julia Sayen, from Ohio State, because they were undefeated until Indiana beat them two weeks ago. And all three are quarterbacks. And the fourth candidate is Jeremiah Love, who is a running back from Notre Dame. So those are the four candidates that people will see tomorrow evening, and it will be interesting as they show some of their career. But it will also be interesting if they tell anything about John Heisman.
SPEAKER 12 :
Well, and you reached out and suggested that it might be great for these finalists to do a little study on John Heisman, right?
SPEAKER 03 :
Yes. Three years ago, the day after they made the presentations, I wrote a letter, and I have my copy here, to the Downtown Athletic Club. And the most interesting The key item here, I said, last night I watched your annual awards ceremony and noted that no one mentioned anything about John Heisman. And I also mentioned in the same letter that it would be very wise if – The four candidates were briefed about John Heisman the week before the presentation. And they all should be given a copy of his biography, which is extremely well, because it was written by John Heisman’s nephew.
SPEAKER 12 :
Well, and so tell us about John Heisman.
SPEAKER 03 :
Well, John Heisman was one of the most versatile men that ever became a coach and was ever in the athletic field. We’ve all heard the term renaissance man, a person who has many, many talents and excels in almost all of them. And he was a gifted student even in high school. He was a great speaker. He was also a good athlete. And also he wrote for two of the largest circulating magazines in America. as well as when he was at Georgia Tech. He wrote for the morning paper and the evening paper. And then he also was very active in acting in the summertime because in those days coaches worked the regular school year, but they were off in the summertime. And one of the great things about him, not only was he a great coach and had all these other good qualities, But he was an innovator. He was always thinking and looking at the opportunities to improve the game. And some of the things that he did, he initiated using a lateral pass, which made it more interesting in the game. He also developed the ball more so that they could do forward passes. There were no scoreboards when he started playing, and the field was not a standard field. It wasn’t a standard 100-yard field with the end zones. And the uniforms did not have numbers on them, so it was very difficult for the officials to identify who had done what. He improved the equipment to make it more safe for the individuals, and… He also came up with the idea of dividing the game into four quarters. And the gradual transition from the format of rugby into football, he was in that era. And he was one of the leaders in creating a football game that we recognize today.
SPEAKER 12 :
Well, and he was involved in a number of universities and colleges, yes?
SPEAKER 03 :
Yes, he was. He coached for 37 years, and he started off. His first job was at Oberlin College, a very small school in Ohio. And he got no pay. He was right out of college. But he was fascinated with football. He had played. But what was interesting, he had a law degree. And he was in his early 20s, and his family certainly expected him to pursue the law profession. But he just was so interested in the game of football that he went over and he volunteered to coach at Oberlin. He got no money. And so he was there for a couple of years. Then he went to another very small school, one that I had never even heard of. I’d heard of Bucknell, but B-U-C-H-T-E-L, Bucktel, was even a smaller school, also in Ohio. But he went there because he would be paid a nominal amount of money. And… In every case, as he progressed upward to larger schools, they started playing better football. And he was great on conditioning and just a marvelous coach. And so he went from those two schools to Auburn and Clemson and then to Georgia Tech, where he was for 17 years and won a national championship in 1917. And one of the interesting things, when he was at Clemson, Clemson would go down to Atlanta, and they’d beat Georgia Tech. So Georgia Tech decided the way to solve that problem was to hire the coach from Clemson. So they did. And he succeeded for, like I say, 17 years. And by coincidence, he won the national championship in 1917. And one of the interesting things about it… was his association with Bobby Jones. Because Bobby Jones, who we know was one of the great golfers of all time and who started the Masters Tournament, Bobby Jones was a student at Georgia Tech at the time, and he taught John Heisman how to play golf. Not only that, he bought him his first set of clubs, and they remained friends for a lifetime. And one of the amazing things about it is that John Heisman’s trophy is the most sought-after trophy in football, in collegiate football. And the Masters tournament, which was absolutely due to Bobby Jones buying the land, building the course, and starting the tournament. Bobby Jones just was an amazing man so that The trophy from the Masters is the most sought-after trophy in the world of golf. So he crossed paths with so many eminent people who were leaders in the field or contemporaries of his. And some of the people that were, like, for example, his writing was exceptionally good. And one of the sports writers who was considered the best of the era was Grant Lund-Rice. And he praised Heisman’s writing ability because not only did he write for newspapers, but he wrote for publications and magazines. And some of these are the reasons that he retired when he was about 60 and went to New York City. Because he loved the theater. He loved to write. And New York City was the focal point for professional writers and writers. He just fit in there so well.
SPEAKER 12 :
Okay, so we’re going to continue the discussion with Colonel Bill Rutledge regarding John Heisman, of whom the Heisman Trophy is named. And the Heisman Trophy is the highest honor in collegiate football. And it will be awarded tomorrow evening, Saturday the 13th. And so we thought it was appropriate to talk about John Heisman. And all these discussions happen because of our sponsors. And he will be in in the second hour. And that is Lorne Levy for Everything Mortgages.
SPEAKER 20 :
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SPEAKER 17 :
April 26th, 1777. Colonel, the British are raiding Danbury and burning the town. I’ll go tell them. Sixteen-year-old Sybil Ludington mounted her horse and rode 40 miles through night and pouring rain. That’s twice the distance of Paul Revere to sound the alarm.
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Quickly, assemble at my father’s house.
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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.
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SPEAKER 12 :
And welcome back to the Kim Monson Show. Be sure and check out our website. That is KimMonson, M-O-N-S-O-N.com. Tomorrow evening, the Heisman Trophy will be awarded to a collegiate football player. There’s three quarterbacks and one running back that are in the running for this. And we’re talking about John Heisman, for whom the award is named. And we’re talking with Colonel Bill Rutledge, 97 years young. And let’s talk a little bit about Heisman’s life. He was born in 1869, and his parents had immigrated from Germany, correct?
SPEAKER 03 :
That’s correct. And he was born in Cleveland. And at that time, there was a very large German segment of the population in Cleveland. They’d say the estimates was perhaps one-third of the whole population had their origin in Germany. And his father and mother came there, like so many of the immigrants, with no wealth or anything. And so they just had to start to work. But his father was a barrel maker, and he developed that talent. And in those days, they were all wooden. And so he started his business in Cleveland, but he saw an opportunity to move. So what he did… he moved over to Titusville, Pennsylvania. Titusville, in 1859, became the world’s first place where oil was drilled to come out of the ground. Now, there was surface oil around Titusville, but nobody had ever actually drilled anywhere else, and people who used oil oil to light their fires or to have city lights. They were mostly using whale oil. So the situation in Titusville opened up that whole field and it basically closed down the whaling business that had been predominant for over 100 years for providing light throughout the country.
SPEAKER 12 :
So in essence, Colonel Rutledge, this discovery of oil, naturally occurring hydrocarbon, saved the whales, yes?
SPEAKER 03 :
Yes, it did, to a great deal. And the people that were there were John D. Rockefeller and Andrew Carnegie, big names, people who grew on to be some of the richest in the world. But they moved to that town, and they started buying up options for land. And their whole professional lives related to the origin of the wells in Titusville, Pennsylvania. One of the small world things, when one of my granddaughters went to college back in Tennessee, her roommate came from Titusville. And I was surprised because I already knew a little bit about Titusville, and I knew that that’s where the oil business had started in America.
SPEAKER 12 :
Well, and these were remarkable, well, these were men that were doing remarkable things at that time, and they were all rubbing shoulders. So he was contemporaries of some of the names I recognize that you had in your brief that you gave me, but some I don’t know. So talk a little bit about his contemporaries.
SPEAKER 03 :
Well, you know, he was a contemporary of many of the individuals who were in the athletic field. Amos Alonzo Stagg, for example, at the University of Chicago. Stagg had learned how to, well, he’d begun his coaching career at the University of Chicago, and he continued coaching. at Chicago for 40-some years until he was forced to retire because of his age. And after he did, his son had learned to become a coach. Amos Alonzo Stag then, after he had retired at Chicago in the early 1930s, I think it was about 33 or 34, and he continued to coach. on up until he was over 100 years old by coaching with his assistant, with his son who was an assistant. But what happened was more significant than any, is that during World War II, when he’d already been out of coaching actively for a few years, a small school in California, College of the Pacific, had the great good fortune of having Amos Alonzo Stagg show up, and College of the Pacific became a football power during World War II. But this was just one of those close associations, and I mentioned Grantland Rice earlier. And just about everybody who was anything big names in the field of football, they crossed paths with him because he was there so long. Plus, he was that innovator, and so he would consult people for their views, but he took the initiative, and he was always thinking about what he could do to make it better.
SPEAKER 12 :
Colonel Rutledge, you have worked with many people throughout your life, and you’ve seen good leaders. You’ve worked with good leaders and not such great leaders. How is it that a coach can make such a difference? What do you think it is that Heisman did? For example, you said in this brief that you sent over that one year they beat Cumberland College 222 to 0.
SPEAKER 03 :
How does that happen? That was when he was at Georgia Tech. What had happened, Granville Rice was, first of all, he also coached baseball. So people never thought much about him. I mean, Heisman coached baseball. And the summer before, their baseball team had gone up to Cumberland in Tennessee, and the baseball team had lost. Now, this was sort of a great loss of face. So Cumberland came down with their football team, and they didn’t have but about maybe 22, 23 men on the whole team. And Georgia Tech was a national champion that year. So they were playing, and they never scored. They never even got the ball hardly. They’d get the ball, and what they’d do sometimes is just punt it so that they wouldn’t get hurt. And one of the very funny things is that Heisman noticed one time that there was a young man who had on the uniform from Cumberland, and he was sitting on the bench with the Georgia Tech team. And so he went over and spoke to the man and said, Son, you’re on the wrong side of the field. And he said, No, sir. He said, I’m going to sit here. If I go back over there, they’re going to put me in the game, and I’m going to get hurt.
SPEAKER 12 :
Oh, my gosh. That’s amazing. Well, we’ve got about three minutes left. So John Heisman ends up in New York, and he’s very involved with the Downtown Athletic Club. So tell us how the trophy became named after him.
SPEAKER 03 :
Well, in 1936, he was playing golf in October, and he developed pneumonia. And at the time, they didn’t have any specific way of addressing it. But there were three different kinds of sulfur drugs. And the point is, if you took one and it was the wrong one, it was a killer. But you had a chance. So you really had one chance out of three that you might be lucky. I really think that John Heisman might have lived had my grandfather… Been there with him because he was a doctor. And I had double pneumonia two years before John Heisman. And I was at my grandfather’s home in Georgia. And he chose not to use any of the sulfur drugs. He used a mustard plaster, which was very hot and put it on your chest. And it saved my life. It turned around. And decades later, I was having to take a physical exam when I was on active duty. And I got a call after I’d taken an x-ray. And the doctor said, is this major Rutledge? And I said, it is. And he said, well, this is Dr. So-and-so. And he said, we were looking over your x-rays yesterday, and we found scar tissue in your lungs. He said, did you ever have pneumonia? I said, yes, sir, when I was six years old. And he said, well, that accounts for it. So no worry, no problem. And so I thought of this because the book stated that there was no other alternative other than these three sulfur drugs. So we knew it wasn’t true. There were alternatives. And I was fortunate. My grandfather chose not to use any of them, but to use what he had learned in medical school and had been practicing for 35 years when he did this. So it took me back to the situation on George Washington. When George Washington was lying on his deathbed, there was a young doctor there who had just come back from Scotland, and he had learned to use a tracheotomy method. And he wanted to do it in Washington, but the chief doctor wouldn’t let him do it because they didn’t know enough about it and they were fearful. But it’s conceivable that George Washington may have been saved had they listened to the young doctor.
SPEAKER 12 :
Colonel Rutledge, fascinating. And so John Heisman died from that double pneumonia, and he is the man who the Heisman Trophy is named after. Fascinating. So thank you.
SPEAKER 03 :
Well, what was ironic is that it wasn’t named after him at all until he died. And then since he was a member of the club, he was the key to athletics that fall. So 1935 was the first award under the Heisman name.
SPEAKER 12 :
Okay. And we’re out of time. Colonel Rutledge, fascinating. Thank you so much. Stay tuned. We’ll be back with our number two shortly.
SPEAKER 21 :
It’s the Kim Monson Show. Analyzing the most important stories.
SPEAKER 12 :
An early childhood taxing district? What on earth is that?
SPEAKER 16 :
The latest in politics and world affairs.
SPEAKER 12 :
I don’t think that we should be passing legislation that is so complicated that people kind of throw up their hands and say, I can’t understand that.
SPEAKER 16 :
Today’s current opinions and ideas.
SPEAKER 12 :
And it’s not fair just because you’re a big business that you get a break on this and the little guy doesn’t.
SPEAKER 16 :
Is it freedom or is it force? Let’s have a conversation.
SPEAKER 12 :
Indeed, let’s have a conversation. Thank you so much for joining us. You each are 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. And thank you to the team. That’s producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Teresa, Amanda, and and all the people here at Crawford Broadcasting. Producer Joe, it was so fascinating with Colonel Rutledge regarding John Heisman, and the Heisman Trophy is going to be awarded tomorrow. But in between, on break, you mentioned something, your perspective on the Heisman Trophy.
SPEAKER 08 :
Well, I was just mentioning that what I like about the Heisman Trophy, it’s not just about the performance of how well they play football, but it’s also how good their character is as well and what they do in their community. I love that.
SPEAKER 12 :
That is. And so tomorrow evening, the Heisman Trophy will be awarded. There are three quarterbacks and one running back who are in the running for that. And really fascinating story of John Heisman. And I love it. Colonel Rutledge, he’s 97 years young, and he’ll call and he’ll say, Kim, I think we should talk about this person so that we know history. So we’ve got a couple in the background. And one of them, he said, Daniel Boone. We’ve got to talk about Daniel Boone. So we’re going to do that at some point. But he’ll read a book. And I just love the fact that he shares that with all of us. In studio with me are my great sponsors and friends. And that is Karen Levine, Remax Realtor. It’s great to have you here. Good morning. It’s good to be here, Friday morning. Yeah, and Lauren Levy for Everything Mortgages. You can help people in 49 states, just not New York. But if people are moving out of New York, you can help them, right?
SPEAKER 01 :
Absolutely.
SPEAKER 12 :
So it’s good to have you guys here. And be sure and check out our website. That is Kim Monson, M-O-N-S-O-N dot com. And while you are there, make sure that you sign the petition calling on Governor Jared Polis to release Tina Peters by Christmas Eve because it is the compassionate and merciful and kind thing to do. Now, President Trump did issue a pardon for Tina, and that’s That’s over there. I think there’s going to be political and legal wrangling over there. Let’s stay over here on the humanitarian side and call on Jared Polis to release her by Christmas Eve. So sign the petition and then share it with your sphere of influence and ask them to sign and share as well. And we are having people from all over the country sign this. New York, Massachusetts, California. Georgia, Tennessee, and, of course, Colorado. So be sure and sign the petition there. Our word of the day, and I chose this because Governor Polis could be magnanimous in releasing Tina Peters. And magnanimous is spelled M-A-G-N-A-N-I-M-O-U-S. And it could be, number one, highly moral, especially in showing kindness or forgiveness, as in overlooking insults or not seeking revenge. Number two, great of mind, elevated in soul or in sentiment, raised above what is low, mean, or ungenerous, of lofty and courageous spirit. And magnanimous has been one of those adjectives that’s been used regarding George Washington as well. Our quote of the day comes from the… a Medal of Honor quote book, which you can purchase by going to AmericanValuesCenter.org. That’s the website for the Center for American Values, which is located in Pueblo, Colorado. And it is from Peter D. Lemon. He was born in 1950. actions taken on April 1, 1970. So he’s 20 or 21 years old during the Vietnam War. And he said this, true heroism is not a matter of chance. It’s a matter of choice. I think we can take great heart from that as we are in this great battle of ideas that is raging in America at this particular point in time. And I am blessed to work with amazing sponsors. And we’ve got Alicia Garcia and Teddy Collins on the line. And they are with Spartan Defense, which is a firearm store in Colorado Springs. But they also are the founders of the Second Syndicate. Alicia Garcia, welcome. Good morning. And Teddy Collins, welcome also. It’s good to have you here.
SPEAKER 22 :
Good morning, Ken. Thanks for having us on. We appreciate you.
SPEAKER 12 :
Well, I appreciate you both as well. And we are in the Christmas Hanukkah season. And so tell us, Teddy Collins, what can people get for their people on their gift list at Spartan Defense?
SPEAKER 22 :
So, I mean, at Spartan Defense, you know, we do everything from just the sales of the firearms, ammo, and accessories to custom works like Cerakote. So if you really want to make someone’s Christmas gray, you can bring your firearm in or their firearm in to get it custom engraved or custom Cerakoted at Spartan. We’ve done some pretty incredible builds that have gone social media viral on Instagram and other platforms. I mean, the sky’s the limit at Spartan. Everything is possible. We can make that dream gun a reality.
SPEAKER 12 :
Now, Teddy, is Spartan Defense located on the north side of Colorado Springs, south side? Where is it at exactly?
SPEAKER 22 :
We’re on the east side off of Powers and Barnes, just over near the Costco on Powers and Colorado Springs.
SPEAKER 12 :
Okay. So really, it’s not that far of a drive for people, particularly in the south metro area, to get to Spartan Defense, correct?
SPEAKER 1 :
Correct.
SPEAKER 22 :
It’s not. We have people come down all the time for that. We also transfer up to dealers up in the Denver metro area and other parts of Colorado as well as all 50 states. We have quite a few unique brands. In fact, we have about 28 state exclusives and city exclusives that you’re just not going to see at other gun stores, brands that are very difficult to come by and find. But we also have the common brands. We have something for everyone is what we like to say over at Spartan.
SPEAKER 12 :
Okay. And then Alicia Garcia, you’re with Spartan Defense as well, Second Syndicate, but you also have classes to help people be able to defend themselves, yes? Absolutely, I do. I’m very happy to do that. And how can people get information about that? And that is a great gift certificate for Christmas.
SPEAKER 06 :
Absolutely. So right now is our down season, so we don’t see very many people taking classes for concealed carry or renewals or self-defense. And that’s one thing people should always stay vigilant about, especially this time when, you know, you have presents in your car, you have a lot of packages in your hand. You know, it’s also a high time for crime and victimization. And one of the things I want people to understand is that Parking lots, gas stations, those are some of the most dangerous places for people in everyday scenarios. So they should protect themselves, prioritize that safety, and do what they can to not only make sure that they have situational awareness, but the ability to deploy tools of defense if they need to, so if they’re interested in learning. They can reach out to me or they can go to concealedcarryclassdenver.com and book those classes. I have a classroom in South Denver as well as North Colorado in Thornton. And I primarily teach out of the Thornton classroom. So if they’re interested…
SPEAKER 12 :
in booking class, book the phone in the classroom, and I will be your teacher. Great. Now let’s move over to the Second Syndicate. Teddy, you and Alicia founded the Second Syndicate because there is a real regulatory and legislative attack, and it seems like it’s a thousand cuts regarding our right to keep and bear firearms. So anything, so we’re right around the corner from the 2026 legislature convening, which will be, I think, the second week in January. Do you have any ear to the ground things that you’re hearing that we need to be concerned about?
SPEAKER 22 :
Yes, I’m hearing of two radical bills that will change the landscape of firearms in Colorado. I’m hearing about the potential NFA ban. So what that means for people that are not familiar with the NFA, it means a ban on short barrel rifles, short barrel suppressors, I’m sorry, short barrel shotguns and suppressors and full autos in the state of Colorado. Now, those items are already pretty restricted and hard to get and difficult to get from the federal government. But this would be a complete ban, regardless of whether you have a federal tax stamp or not. Also, I’m hearing about an armory bill. Oh, I’m sorry. Also, I’m hearing about an armory bill, Kim. And what that would do is it would be a license to purchase anything essentially in the state of Colorado. It would limit the amount of firearms you could purchase. These are two… big bills that are going to be being introduced here shortly from what I understand. And it’s going to take every single Coloradan and every single one of your listeners to show up at the statehouse and fight back against this tyranny. We need every single person to show up to testify and to make sure we hold these legislative members that are running these bills, these unconstitutional infringements accountable.
SPEAKER 12 :
And Alicia, that’s why you and Teddy founded the second syndicate is to be advocates so that we can have our second amendment. And so how can people help you and be part of this? Not everybody can get down to the state house, but they can support the second syndicate.
SPEAKER 06 :
Absolutely. They can go to the second syndicate dot com and they can donate to us because I want people to understand something. You know, we we’ve done this regardless if, you know, we had the second syndicate or not. We created it because, you know, Teddy, his wife, Rocia, myself, we were already heavily active in fighting for our second amendment rights. And we noticed that. There was a need for people to understand the cause and what was going on. So we created it so we can say, hey, you know, we are for the people. We’re by the people. We’re regular citizens that are taking initiative to stand and defend our Second Amendment rights. And we think you should, too. So head over to the second syndicate dot com. We have a lot of the bills that have already passed. to educate people on we’ve written synopsis of what those bills look like and the legislation that was created because of those bills and also information on how to support us as well as what they can do to get involved okay and that’s the 2ndsyndicate.com and then teddy what is the website for spartan defense
SPEAKER 22 :
It is SpartanDefense.com. That’s defense with an S. But I just wanted to mention one more quick thing, Kim. For every $1 that’s given to the 2A to organizations for the Second Amendment, about $100 comes from special interests from the anti-gun lobby. So it’s extremely important for conservatives to get involved and to support these rights because without the Second Amendment, the rest of the Bill of Rights, the other 10 amendments in the Bill of Rights, are going to be gone. The only thing that defends those amendments and the only thing that protects us from tyranny is the Second Amendment. So it’s important for conservatives to start showing up. It’s important for conservatives to start donating to Second Amendment groups so that we can fight back against these people.
SPEAKER 12 :
And that Second Amendment group is the 2ndsyndicate.com. Alicia, Garcia, Teddy Collins, thank you, and we will talk again next week.
SPEAKER 22 :
God bless you, Kim, and God bless Colorado.
SPEAKER 12 :
And we work with amazing people. Another great sponsor is the Roger Mangan State Farm Insurance Team. Roger’s been in business for over 50 years, taking care of his clients and his family, giving back to the community. And they strive for excellence. They might be able to save you some money if you’re bundling your insurance together. The only way to find out is to call them. That number is 303-795-8855. Like a good neighbor, the Roger Mangan Team is there.
SPEAKER 11 :
Costs to insure your home, apartment, auto, boat are increasing. Inflation, high taxes, grocery prices are squeezing Coloradan’s budgets. How can you save money? When you bundle your insurance coverage with the Roger Mankin State Farm Insurance Team, you may save money on your insurance premiums. The only way to find out is to reach out to the Roger Mankin State Farm Insurance Team for a complimentary appointment. Call the Roger Mankin Team now at 303-795-8888. That number again is 303-795-8855. Like a good neighbor, the Roger Mangan team is there.
SPEAKER 23 :
When you’re looking for a premium quality painting experience or professional temporary outdoor lighting, call our friends at Radiant Painting and Lighting. The owner, Karen Gorday, spent over 20 years in the customer service industry. She and her experienced professionals will treat your home as if it were their own and take great pride in their work. They only deliver excellence. When giving your home a beautiful new paint job, they use premium caulk and paint and will always deliver what they say. They don’t just enhance your space, they transform it. When you want excellence, call Radiant Painting and Lighting at 720-940-3887.
SPEAKER 19 :
There’s so much noise coming at us. Sometimes it is difficult to make sense of it all. How can you sift through the clamor for your attention and get to the truth? The Kim Monson Show is here to help. Kim searches for truth and clarity by examining issues through the lens of freedom versus force. Force vs. Freedom. 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, the KLZ app, and Alexa. Play KLZ. Shows can also be found at KimMonson.com, Spotify, and iTunes. It’s right!
SPEAKER 12 :
It is Friday. Welcome back to the Kim Monson Show. Wanted to say thank you to the Harris family for their gold sponsorship of the show. And Little Richie’s Pizza and Pasta is located in Parker and in Golden. And they have authentic New York flavor with Colorado roots. And they have great specials for daily specials, weekday lunch deals, and a great happy hour. And I stopped by there the other night and had one of their great calzones for everything mortgages. That is Lorne Levy. Lorne Levy, have you partaken yet of Little Richie’s?
SPEAKER 01 :
In my life, yes, I have. Yeah. I’ve been to the Parker one a couple times. Pretty good stuff, huh? Yeah. I think we talked about this one before. They have really good wings, believe it or not, for a pizza place. Okay.
SPEAKER 12 :
And Hooters has great wings as well.
SPEAKER 01 :
I used to live in Florida, and that’s kind of Hooters’ base. They were sponsored of my company back then, so I’ve had my fair share of Hooters.
SPEAKER 12 :
Hooters’ great wings as well.
SPEAKER 01 :
They actually have a really good chicken sandwich.
SPEAKER 12 :
And they also have great nachos and also great fish and chips.
SPEAKER 01 :
Oh, I did not have that.
SPEAKER 12 :
Yeah, so you’ll have to try that. Locations, Loveland, Westminster, and in Aurora. In studio with me is Lauren Levy, Everything Mortgages, and Remax Realtor, Karen Levine. I’ve had a lot of balls in the air, so I’m running through headlines, and I thought I saw that the Fed lowered interest rates. Is that true? Yeah.
SPEAKER 01 :
Yes.
SPEAKER 12 :
Okay, so tell us about it.
SPEAKER 01 :
They lowered by another quarter. And like we talk about all the time.
SPEAKER 12 :
The 10-year treasure?
SPEAKER 01 :
Yes, which I have always available. Did not cooperate because we’ve been talking for a long time that the Fed is cutting into what is perceived as a good economy, which is rare. And the fear of inflation is real. And I believe right after the Fed cut, the 10-year Treasury was about 4.11. And as we sit here, it’s 4.19. So rates have gone higher since the Fed cut, not lower.
SPEAKER 12 :
And that’s reflected in mortgage rates.
SPEAKER 01 :
Yeah. And it’s amazing. It doesn’t just come up with people I talk through day to day. I said before, I watch business media, typically on mute, just in my office, because I need to see the numbers that are going on.
SPEAKER 12 :
So do you read lips? No, I just watch the tickers go by on the bottom and stuff.
SPEAKER 01 :
As it scrolls, I can see the market moving. But it’s amazing the amount of time people talk about how, and these are experts, how the Fed, that should help everybody because they just lowered rates. And they’ll bring on someone that’s like, no, no, no, no, no, you don’t understand. The mortgage market is a market. The mortgages, when you get a loan on your home, that mortgage, as everyone knows, typically gets sold. And those end buyers are in control more of what rates are doing as compared to other things they could be investing in. Okay. And it’s a comparison. And with the exception of the few times that we can all remember where the Fed and or the government stepped in, like with COVID, and we had those rates down in the twos, but also back in 08 with the banking crisis. And those were the two times most in memory of when there was artificial help and rates really went down.
SPEAKER 12 :
But artificial help’s not really a good idea.
SPEAKER 01 :
No, it’s not. It’s not meant to be. We’re supposed to have a free market, right? I think they only do it when there’s panic, right? Like in 08, we lost Bear Stearns, Lehman Brothers, and people didn’t know if Wells Fargo might be gone and all their money. So someone had to step in and make the fear stop so we didn’t have another 1929. Okay. And same thing with COVID. No one knew. No one could go to work.
SPEAKER 15 :
Yeah.
SPEAKER 01 :
So no one knew what to do. So they stepped in. And that created artificial rates. We’re now in a market, a normal market. Okay. And the Fed determined short-term rates on short-term bonds, like two months, six months, one year. The 10-year and the 30-year determined mortgage rates. Okay.
SPEAKER 12 :
Okay. So with that, let’s move over to the residential real estate market, Karen. I saw a headline that just struck fear in my heart, and that was that Denver was one of the markets that saw the biggest decrease in home values. Now, then when I read into the article a bit more, it said that actually prices are remaining pretty stable, but the headline stopped me in my tracks.
SPEAKER 09 :
So if you elaborated on the headline, what was the nemesis for the headline? Fear? Well, I guess. I mean, to get you to read the article. Okay. So when you made that comment to me, I went into the Colorado Association of Realtors Market Trends Report for November. And Denver County, if we compare… Year over year, so January 1 to the end of November 2024 compared to 2025, median home prices, median, have gone down 0.1%. In Denver? In Denver County. And average has gone down 0.3%. So I think our market’s pretty stable. And then multifamily, so condo, townhome, they had a bigger hit. 3.4% decrease in value for the median and the average income. went down 5.2. So 5.2 is pretty significant in an average price range. Then I looked at Jefferson County, where I reside and where my office is, and Jefferson County values went up 1.1% because we know people are wanting to move out of Denver County. So Jefferson’s a nice alternative and closer to the mountains. And average went up 1.5%. And again, the hit really is in multifamily. Condominium townhomes decrease the median 3.2% and the average down 3.8%. So we look at the affordable home product is definitely taking more of a hit because getting into a townhome or a condominium, that purchase price is generally going to be less than a single-family home.
SPEAKER 12 :
And it’s probably because people are that there seems to be an unknown with HOA dues.
SPEAKER 09 :
Correct. People’s biggest fear is how much more are HOA dues going to go up? Many HOAs have a blanket insurance policy over the exterior of the buildings. and many of them included roofs. And with the increase in insurance premiums, they’ve had to readjust their HOA dues with regards to how much do they charge the owner of a unit up front monthly so that they have monies to do that exterior work and if they do in fact have to replace a roof at some time and if there’s an insurance claim now instead of a homeowner having full quote-unquote coverage through their HOA dues they may now have to pay a deductible and so You know, there’s an uncertainty. So if we have a hail storm in May or June, and that hail storm damages the roof to the degree it needs to get replaced, those homeowners may need to come up with $5,000 or so. So there’s that uncertainty. But we have insurance uncertainty in single-family homes as well. Right. But more so, I think, for our affordable product line, it creates a little bit more uncertainty for that homebuyer. Okay.
SPEAKER 12 :
Now, I was talking with someone, Karen, the other day, who’s been pretty bearish on the Denver Metro real estate market. And she said that she’s seeing significant price reductions in the market. And that’s… doesn’t seem to be what you’re saying here from these numbers.
SPEAKER 09 :
Well, so you have to take into consideration at what price did that home come on the market at? And many, many sellers continue to believe we’re in an appreciating market and that their home is worth what it was at the height of the market when their tax assessment came out and they all had a fit because they had to pay more tax. We’ve seen a whittling away, a tiny bit whittling away of that appreciation over these last three years, four years, from that very high. So if they come on the market, let’s just use an example. They come on the market at $7.50, but the market data says they should have been on the market at $6.95. Well, they’re already, what is that, $55,000 over the market of where they should have started. So when you calculate that, yeah, those price reductions are pretty substantial, but they started too high to start with.
SPEAKER 08 :
Okay.
SPEAKER 09 :
Does that make sense? Okay. Yeah. So they were more optimistic about what their home was worth. Whether their real estate professional gave them good advice or not, they chose to come on at that market price. What I’m noticing is I am having to be very critical in my data analysis and to look at the fact that A home similar to X home sold for this amount 90 days, 120 days ago, I know there’s downward pressure. So I need to price it typically under that value today.
SPEAKER 15 :
Okay.
SPEAKER 09 :
But when we look at the data, that value isn’t 10% less. It’s less than 1%. So we need to be sensitive. Okay.
SPEAKER 12 :
Okay. We’ll continue the discussion. I want to ask Lauren what this means for people that are looking at reverse mortgages because that appreciated value has been a tool that people have used. And so we’ll do that when we come back. We have these discussions because of our sponsors. And, of course, one of those great sponsors is Karen Levine.
SPEAKER 04 :
A house protects from the rain, but a home shelters from the storms of life. Additionally, home ownership has helped Americans create wealth for themselves and their families. The Colorado Metro real estate market is ever changing and is presenting new opportunities for home buyers that we have not seen in quite some time. If you are thinking of buying a new home or selling your home, RE-MAX REALTOR® Karen Levine can help you successfully navigate the complexities of real estate transactions. Call Karen Levine today at 303-877-7516. That’s 303-877-7516. You want Karen Levine on your side of the table.
SPEAKER 20 :
For nearly 20 years, mortgage specialist Lauren Levy with Polygon Financial Group has helped individuals realize their hopes and dreams of home ownership, fund kids’ educations through second mortgages, and access capital by utilizing reverse mortgages. Lauren Levy works with many different lenders, and his goal is to provide home loans to his clients with the lowest interest rates and closing costs as possible. Lorne Levy pledges to help borrowers overcome roadblocks that can arise when securing a loan. Call Lorne Levy now at 303-880-8881 so that you are prepared for opportunity in the mortgage market. That’s 303-880-8881.
SPEAKER 07 :
The Second Amendment is in our Constitution to protect your right to resist oppression and protect your right to protect yourself, your family, and your freedom from out-of-control PBIs, politicians, bureaucrats, and interested parties. Those rights are under attack. Colorado’s premier grassroots Second Amendment organization, the Second Syndicate, is fighting to preserve and protect your constitutional rights. The Second Syndicate exposes the most pressing threats to the Second Amendment by providing education, resources, and tools to help you stay informed empowered, and prepared. Join the movement. Check out thesecondsyndicate.com, where the second is first. That’s the2ndsyndicate.com.
SPEAKER 02 :
All Kim’s sponsors are an 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 kimmonson, M-O-N-S-O-N dot com.
SPEAKER 12 :
Indeed, it is Friday. Welcome back to the Kim Monson Show. And Year End is right around the corner. And a great place, two great places to make Year End tax deductible contributions is the USMC Memorial. And that website is USMC Memorial Foundation. And then also the Center for American Values, which is located in Pueblo. They are nonpolitical. nonpartisan, but focused on these foundational principles through their educational programs. And they’re honoring our Medal of Honor recipients. And you can make a contribution there by going to AmericanValueCenter.org. In studio with me is Karen Levine, a REMAX realtor, and Lauren Levy for Everything Mortgages. And Lauren, we talked a little bit about the pricing of homes and selling them. The appreciated value on homes has been a tool for some, particularly, I guess you have to be 62 for a reverse mortgage. So this fluctuation, if you will, this change in the market, what are you seeing in the reverse mortgage market?
SPEAKER 01 :
So far, like Karen said, we’re seeing things hold up. They may not be appreciating like they were before, but we haven’t seen many surprises when we go to do a reverse mortgage or any mortgage, for that matter, where we’ve had to argue appraisals. The only difference is on a reverse mortgage, the appraisal is the paramount item that gets done. It drives everything. Okay. Um, and there really is no re renegotiating. Like if you’re buying a house, you go back to the seller, you can renegotiate on a reverse. That doesn’t, it’s not like that. Um, it is what it is. And so, but we ha I haven’t seen many surprises yet and that’s in my world. And you know, I’m not out and about trying to buy and sell houses on the daily. So I only see the data that comes across my desk, but we have not had many surprise, if any surprises that I’m aware of.
SPEAKER 12 :
Okay. And you mentioned appraisals. One of the things that you do for Kim Monson Show listeners is you pay for the appraisal.
SPEAKER 01 :
Yeah, they call and they reference you and we try to help them out as much as possible.
SPEAKER 12 :
Okay. Now, the 10-year Treasury, even though the Fed has lowered rates, you said that actually the Treasury rates on the 10-year has gone up. But the short-term rate, you’ve said, is good for credit cards and cars. So what are you seeing about that?
SPEAKER 01 :
And home equity lines. Okay. All those. Those are the big three. Without taking too much time, one of the things that I try to do is educate people because people just don’t know. They only know what they hear unless they’re in the business daily. And there is this misconception that the Fed lowers rates and it’s party time and Mortgage rates are coming down, and we’re going to help the housing market. And I guess that’s true. If you have a home equity line of credit, you’ve seen your rate come down. But mortgage rates are higher partly due to some of these cuts that have been made and the fear that it might stoke further inflation. And so we always try to help people when they don’t understand. But it does help credit cards. But a quarter point cut isn’t going to really cut your credit card bill a whole lot. But every little bit helps because… I see it all the time when I look at people’s credit reports. We have a looming credit crisis, in my opinion. People have more credit card debt than ever before in this country. And so one of the things we try to do is talk to people and say, look, you might feel like you’re in this 2.875% mortgage from four or five years ago, which is awesome. But if you’re sitting on thousands and thousands of dollars of credit card debt at 24% and you add that payment to your current house payment and then compare it to a refinanced mortgage at six and a half, you still might be able to save hundreds of dollars a month and help your family get out of a crisis. So that’s an opportunity we look at quite a bit just with all the credit card debt we have going on.
SPEAKER 12 :
Okay. And…
SPEAKER 01 :
especially important around the holidays as people are trying to buy gifts and take advantage of Black Friday deals. A lot of that’s going on credit cards. Okay. Without the intention of paying it in full.
SPEAKER 12 :
Okay. So my dad taught me the rule of 72. So explain that to our listeners.
SPEAKER 01 :
You just divide 72 by amount of time, and that’s how long it will take for an investment to double, divide it by the rate. So if you have something getting 7.2%, it’ll take 10 years to double.
SPEAKER 12 :
But on the debt side, if you had something at 24%, then you would take 72 and divide that by 24. So it would be like three years? And in three years, that debt would double. So that’s why it’s really important to probably talk with you if people are… And get rid of it. Yeah, and get rid of it. Okay.
SPEAKER 01 :
And then cancel the card.
SPEAKER 12 :
Okay.
SPEAKER 09 :
That’s what I was getting at. And not incur additional debt.
SPEAKER 01 :
Which is hard. People are struggling. You have to live, right? You have to pay your bills. And it’s hard to say no to the kids at the holidays. And sometimes people have to put an unexpected break job or hot water heater on their credit card and they can’t pay it. So it’s not just all frivolous spending. I get that.
SPEAKER 12 :
But people are hurting because of government. Government rules, fees, taxes, regulations makes everything more expensive. And so that’s why we talk about it on a regular basis. Karen, to make life more affordable, to make housing more affordable, don’t be mandating that you have to have… Electrical chargers, if you’re doing something in your house, let people choose, right?
SPEAKER 09 :
Yeah, the Commerce City and their building code had added that all new construction had to have fire suppression systems. um which means full fire sprinkler systems in their homes and that increased the price of the homes coming out of the ground and they the building market couldn’t sell the product and make a profit And so the good positive thing is that city council rolled back that requirement. So effective immediately, new construction no longer has to have a full fire suppression system. A fire suppression system in an apartment building with many, many residents, that’s a thoughtful requirement. In a single-family home, yes, what happened in Superior, Boulder County, was devastating the Marshall Fire. But that was an unusual set of circumstances that doesn’t happen in our communities every day. And we’re finding that because of that one incident, Government goes to the extreme and starts imposing requirements that are probably not necessary at the cost and the expense to those of us who would have to endure that. Does that make sense? Oh, and water damage is more expensive to mediate than fire many times.
SPEAKER 12 :
Yeah. And so these government mandates are some of the things that make life less and less affordable. And Lauren, as people are out there shopping, I was just thinking about it regarding taxes. We’re taxed on our property. We pay fuel taxes. But sales tax, in some areas, it’s almost 10%. So that means people are having to pay 10% more for those goods. That makes things pretty less affordable as well.
SPEAKER 01 :
A hundred percent. I mean, I’ve, and it’s good. It’s important to know that in my opinion, because if you’re going to make a major purchase, I think you should, you know, determine, am I better off going to the place to buy it there or buy or order it to my house? It could mean two or 3% difference in the tax and on a decent amount of, you know, if you’re buying something that costs a couple thousand bucks, um,
SPEAKER 12 :
It makes a difference.
SPEAKER 01 :
It could be $50, $60, $70 real quick just on the taxes by determining how and where you buy it.
SPEAKER 12 :
Right. And now I live in Lone Tree, and Lone Tree had had one of the lowest sales tax rates throughout the metro area, and people would make those choices. In fact, there was a housing or a home goods store in the mall that I knew someone that worked there, and they were one of the top stores in the country because people would order, go pick it up there because of the lower tax rate. But the PBIs, the politicians and bureaucrats in the interest of parties, they wanted to raise taxes. And we worked diligently to encourage people not to vote for it. But then they scared people. They said, oh, we need this for the police department. We need this. The fire department. Yeah, they infer that. The roads. Yeah, they infer that public safety was on the chopping block. And then the sales tax goes through, and people don’t go to that store as often because higher sales tax. And so there’s this unseen consequence to this that PBIs don’t even realize.
SPEAKER 01 :
That’s right. Yeah. I read about that because I live in Highlands Ranch right next to Lone Tree and I know they saw an opportunity because they thought it was so transitory that there’s a lot of people that don’t live in Lone Tree coming and spending money there. Why not tax them without taxing our citizens and we’ll pass it off until people don’t come anymore.
SPEAKER 12 :
And then my neighbor said, but I stop in Lone Tree, too, so I’m paying more in taxes.
SPEAKER 01 :
And you lose all the customers, some of them that were coming there. So now you have less money in the coffers. You and I talk all the time. I tend to believe, and I could be just dead wrong, that most people mean well, no matter what party they are. You look at the fire suppression system in Commerce City. I can only guess that that was probably a reaction to insurance prices. And people thinking, how do we get insurance prices down for these homeowners? Well, let’s force them to put a fire suppression in so they can tell their insurance companies, our city has fire suppression, so give us a cheaper rate. Until the fire suppression system costs $15,000 and nobody can buy the house. So who cares what you have for insurance? You don’t have any.
SPEAKER 12 :
Did you hear that key word that you said? Force.
SPEAKER 01 :
Force, yeah. Force. No, I agree.
SPEAKER 12 :
Yeah.
SPEAKER 01 :
Totally. I know what we’re doing. But I just, I mean, I think they try in the beginning to have good intentions. It always blows up in their face when they don’t just let the market take care of it.
SPEAKER 12 :
Yeah. But then many times PBIs will not admit they’re wrong.
SPEAKER 01 :
Well, that’s a whole separate thing.
SPEAKER 12 :
That’s a whole separate thing.
SPEAKER 09 :
Well, and as Lauren said, we can roll back and look at 15 years ago when the construction defect legislation went into effect statewide. And what did that do to housing in Colorado and housing in the Front Range? I really, truly believe they thought they were protecting the citizen, and yet the market would have protected the citizen. Right. Yes. And instead, it really was detrimental to homeownership or to property ownership. So it was really against property rights. Yes.
SPEAKER 12 :
So we’ll take callers in this last segment, 303-477-5600. And you can text me at 720-605-0647. But, Lauren, what’s your final thought you’d like to leave with our listeners today?
SPEAKER 01 :
I guess my final thought is if your rates are holding in there, we’re talking about small fluctuations that I refer to with the 10-year note is not moving in a major direction one way or the other, so rates are pretty steady. So if you have your eye on a home or an interest in moving, I’m not trying to discourage anybody. I’m trying to encourage it. Like I always say, you can always lock in your rate and refinance it later, which is what we try to tell most people. And also, but my bigger message is if you’re… Find yourself sitting on a lot of equity in your home, and you have a decent income, and you’re buried in credit card debt. That is dangerous, and I would call to see if there’s a way to get you help.
SPEAKER 12 :
Okay. And what’s that number? 303-880-8881. That’s Lorne Levy for Everything Mortgages, 303-880-8881. He can help you in 49 states, just not New York. And Karen Levine, Remax Realtor. First of all, how can people reach you?
SPEAKER 09 :
They can reach me at 303-877-7516. And your final thought? My final thought is that there is always opportunity. And as we are in the midst of the holiday season, if one of those wish list items is a larger home, smaller home, or a different home, now’s the time to start the conversation. And there are sellers who… have good, strong equity positions, but are more motivated to sell, which creates more negotiating ability for the buyer. And so there are some, I think, opportunities out there that you may not see when we move into the new year, just because it’s a fresh new year and more opportunities Buyers in the marketplace, which create more competition. And we’ll see new homes coming on the market as we move into the first quarter. But there are some homes out there that a seller would very much like to entertain an offer.
SPEAKER 12 :
Okay. And that number for Karen Levine is 303-877-7516. And these discussions are so important. And regarding your own personal climate, to be warm in the winter or cool in the summer, if you’re having any challenges with that, reach out to Ben’s Plumbing, Heating, and Cooling.
SPEAKER 18 :
There was a time in America when a man’s handshake cemented his word. At Ben’s Plumbing, Heating and Cooling, we are old school and believe in doing a job well. If there is ever an issue with the service that we have provided, we will make it right. Ben’s Plumbing, Heating, and Cooling is proud to partner with The Kim Monson Show to bring truth and clarity to the issues we face in Colorado, America, and our world. Call or text Ben’s Plumbing, Heating, and Cooling at 303-995-1636 for all of your plumbing, heating, and cooling needs. That number is 303-995-1636.
SPEAKER 24 :
John Bozen and the attorneys at Bozen Law believe that everyone deserves access to justice regardless of their financial situation. That’s why Bozen Law handles personal injury cases on a contingency fee basis. You don’t pay anything up front. And there are no hourly fees. Bozen Law covers the cost of building your case and they only get paid if they win for you. Every case is different and results vary depending on facts and circumstances. Contact Bozen Law today at 303-999-9999 to see how Bozen Law might help you. That number is 303-999-9999.
SPEAKER 13 :
Do you strive for excellence as you work with your clients and customers? Does it make sense for you to add a unique and focused branding opportunity to your marketing portfolio? Would you like to access a broad customer base that loves our country and wants to make life better for ourselves, our neighbors, our colleagues, our children, and our grandchildren? Then you may be a perfect fit as a sponsor slash partner of The Kim Monson Show. To learn more, reach out to Teresa at 520-631-9243. Teresa would love to talk with you. Again, that number is 520-631-9243.
SPEAKER 12 :
And 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 if you are ready for financial freedom, you need to call our friends at Mint Financial Strategies. They’re an independent firm and an accredited investment fiduciary. They always put your interests first. Mint means more than money. It means meaningful relationship, information sharing, a network of smart strategies, and a thoughtful advisor who puts you in control. No cookie-cutter plans. Everything is tailored to you. That number is 303-285-3080. 303-285-3080. And in studio with me is Lauren Levy for Everything Mortgages. That number is 303-880-8881. And Karen LeVie, who is an award-winning REMAX realtor, and that number is 303-877-7516. The text line is 720-605-0647. And the call-in line is 303-477-5600. Gammy’s on the line. Gammy, what is on your radar?
SPEAKER 10 :
Good morning and thank you. I wrote a letter to the governor, the clerks, the legislation, everybody, the wayward media. I’m going to read you excerpts because of my time crunch. Who are the true charlatans in the Tina Peters case? Do you really think you can escape God Almighty’s truth? and then did you all really think you could stop the truth from being exposed to the general populace by stonewalling tactics by denying real evidence of stolen elections which is out there and is in the hands of our doj by putting out false press information worst of all by bullying a 70 year old gold star mom and the jury was denied like 40 some pieces of info and that would have changed everything We’re all outraged, but the evidence is on TinaPeters.us, all of it. You can find it. Now let’s go to the next part. This fraud includes digital, algorithmic, fraudulent voter rolls, ballot mail-outs, breaches in chain of custody, and much more. Okay? There’s no way… this state did not know, and the players that have covered this up did not know. Not only did everyone ignore the pleas for her rights, First Amendment rights for silencing her, Eighth Amendment rights for cruel and unusual punishment, medical rights under CARES Act, ACA Act, inmate wellness, and more. Let’s take it the next step. What I find even more stunning is that Tina Peters sleeps on a two-inch mattress on top of a concrete slab. Now, even the Geneva Convention prisoners of war got better treatment than that. Are we really trying to kill her to silence her? Have we not read the Geneva Convention?
SPEAKER 12 :
I’m telling you, this has got to stop. So thank you for that answer. Information on that, Gammy, and President Trump yesterday issued a pardon for Tina Peters. Apparently, Jared Polis said that she was convicted in Colorado court. So I think that there’s probably going to be a lot of political issues. And judicial wrangling on over in that arena. Our petition is on the humanitarian side. And the humanitarian thing to do is for Governor Jared Polis to release her. We’re calling on him to do that before. Christmas Eve. And really, the reasons that that’s based on is to show compassion and mercy. And now I’m losing my third word, but to be humanitarian on this. And he can look very magnanimous if he would release her. So we are calling on him to release her. Because to show compassion and kindness and mercy. Number two, so that she can seek medical care that she needs. And number three, so she can visit her 97-year-old mother. And so you can sign the petition by going to KimMonson.com. And there is a red button. banner at the top. You can click on that. I’d recommend that you sign the petition and share it with your sphere of influence throughout the country. My understanding is that Jared Polis has aspirations for higher office, and he’s always watching the political tea leaves. And so if we present him with thousands, and we have well over a thousand people that have signed this already, but if we have thousands of signatures, I’m going to take this down to his office on the 22nd of December. And so sign by 9 a.m. on December 22nd. And again, it is the compassionate thing to do, the kind thing to do. And I think that we need to appeal to him during this Christmas Hanukkah season every year. He issues pardons or commute sentences. So last year, he pardoned two murderers, one rapist, and one bank robber. So it seems like he should be able to release Tina Peters, who before this, she maybe had a traffic ticket. And so I think that that’s really the humanitarian thing to do. And so that’s probably the biggest headline that is out there right now. And that is the Trump pardon for Tina Peters. And as always, Gammy, you are so well informed. And I thank you for sharing all that with our listeners. And so, again, we love hearing from you. 720-605-0647. And this came in from one of our listeners when we were talking about making things more affordable. And Karen, I see all the time that under the guise of making things more affordable, for example, affordable housing. They then use this, this is a big land grab right now, I think, because they’re subsidizing these industrial apartment buildings that look to me like Soviet Russia. And as we’ve learned from Lorne, they get special financing, many times they get special permitting. And so this listener said that Governor Polis taxes what he doesn’t want, like oil and gas, and he subsidizes what he does want, which is these big apartment buildings. And we talk about, we see this headline all the time of we don’t have enough housing. I don’t see how we have enough people to go in these buildings. There was a municipality up north, I can’t remember which one it was, that they were looking at, I think 50,000 people. That can’t be right, can it? You kind of watch all that, don’t you? Or do you look at apartments?
SPEAKER 09 :
Well, when we talk about lack of housing, in most cases, from the National Association of Realtors chief economist, Lawrence Yoon, he would be referring to ownership units. And so apartment buildings are rental units. And we’ve certainly, it appears, overbuilt rental units here in the metro area. And they have not, in many cases, been affordable rental units. They’ve been luxury apartments. People are paying $2,500 a month, $3,000 a month in rents. So there is a time and place that renting makes sense. I have a client. She is up in years, and she now lives alone because her husband has gone into a memory care facility. And she’s lonely, and she wants to move into a 55-plus community where she can go down and have coffee and breakfast with fellow residents. And in that instance, a rental situation makes sense for her. When we graduate from college, we haven’t had an opportunity to save for a down payment. We want to emancipate, spread our wings, and have independence. And so we will rent an apartment. We may rent a house with several friends. We did that probably in college as well. But that gives us a baseline, right? A place to start to build the necessary down payment and income. To be able to qualify for homeownership.
SPEAKER 12 :
Okay. Well, to buy a home, sell a home, new build, how can people reach you?
SPEAKER 09 :
Call me, 303-877-7516.
SPEAKER 12 :
And for everything mortgages, how can people reach you, Lorne Levy?
SPEAKER 01 :
As always, just call 303-880-8881.
SPEAKER 12 :
Well, it’s good having both of you here. We’ll have you in again next month, and we’ll talk with you next week. Sounds lovely. And our quote for the end of the show is from Winston Churchill. He said this, Success is not final. Failure is not fatal. It is the courage to continue that counts. So 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 14 :
I don’t want no one to cry, but tell them if I don’t say.
SPEAKER 21 :
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.
