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Join us for an insightful journey as we uncover the dynamics of political agendas and their impact on communities. From the courage of independent stations like ours, striving for truth amidst noise, to the powerful influence of words and policy, this episode sheds light on both the local and national fronts. Kim converses with young visionary Broden Daniel, emphasizing the value of alternative educational models. We also delve into pressing political topics, including the controversial sanctuary policies and U.S.-China trade relations, with a call to action for responsibility and truth.
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It’s the Kim Munson Show, analyzing the most important stories.
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The socialization of transportation, education, energy, housing, and water. What it means is that government controls it through rules and regulations.
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The latest in politics and world affairs.
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Under this guise of bipartisanship and nonpartisanship, it’s actually tapping down the truth.
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Today’s current opinions and ideas.
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On an equal field in the battle of ideas, mistruths and misconceptions is getting us into a world of hurt.
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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 Munson 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, Producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Teresa, Amanda, and everybody at the Crawford Broadcasting Team. Happy Monday, Producer Joe. Whoops, I couldn’t hear you, but I know you were talking to me. So let’s go ahead and check out the website. That’s Kim Munson, M-O-N-S-O-N dot com. And while you’re there, make sure you’re signed up for our weekly email newsletter that goes out on Sundays. That way you’ll get first look at our upcoming guests as well as our most recent essays. You can email me at Kim at Kim Munson dot com. And the text line is 720-605-0647. Thank you to all of you who support us. We are an independent voice. on an independent station, searching for truth and clarity by looking at these issues through this lens of freedom versus force, force versus freedom. If something’s a good idea, you should not have to use force to implement it. And it’s never compassionate nor altruistic to take other people’s stuff, whether or not it’s their rights, their property, freedom, livelihoods, opportunities, childhoods, or lives via force. And force can obviously be a weapon, but it can be policy, unpredictable and excessive taxation, fear, coercion, government-induced inflation, the agenda by the World Economic Forum and the globalist elites playing out through the United Nations, this Colorado state legislature, this Colorado governor, land use code, zoning regulations, forest fees, conservation easements, national monument designations, transmission lines easements, CO2 pipeline easements, The list goes on and on. We’ve got to be getting all of this back into the proper role. And on the show, we focus on the issues and we’ll talk about the people pushing those issues. We’re trying to stay out of all the personnel, personality fighting stuff that’s going on. Our word of the day is antithetical, and it’s spelled A-N-T-I-T-H-E-T-I-C-A-L, and it could be being in direct and unambiguous opposition to something. And the agenda by the woke, progressive, extreme, radical left that has taken over the Democrat Party. This is not the Democrat Party of JFK or Tip O’Neill or your grandpa and your grandma. This is a radical group, particularly here in Colorado. I was talking with someone that was visiting from California yesterday, and they said, my gosh, I think Colorado’s worse than California. And I said, yep, and it’s taken some real doing to make that happen. But what is happening here with this radical activist, radical, well, I say it twice, extreme group that’s taken over the Democrat Party is It’s antithetical to this founding of America and the idea, this vision that all men are created equal with these rights from God of life, liberty, and pursuit of happiness. And, of course, the Constitution has been put in place to work towards that ideal and of the vision of America. And so that’s why we always need to be checking our gut on is something constitutional or not. And so again, your word of the day is antithetical. A-N-T-I-T-H-E-T-I-C-A-L. And our quote of the day, I went to Confucius because our featured guest in our number one is Helen Raleigh. And she is an author. And she grew up in China. but she is a proud American citizen and she writes extensively and for the Federalist and a variety of other publications Wall Street Journal and then she does do a lot of national news as well so I went to Confucius is born they think let’s see here 551 BC and died 479 BC. He was a Chinese philosopher of the spring and autumn period. And he is traditionally considered the paragon of Chinese sages. Much of the shared cultural heritage of the Sinosphere originates in the philosophy and teachings of Confucius. His philosophical teachings called Confucianism emphasize personal and governmental morality, harmonious social relationships, righteousness, kindness, sincerity, and a ruler’s responsibilities to lead by virtue. And he said this. He said three things. cannot long be hidden the first is the sun the second is the moon and the last is the truth and so that’s why we must continue to search for truth in all that we do so again confucius said this three things cannot long be hidden the sun the moon and the truth And very excited to have on the line with me Broden Daniel. He is a student out in Holyoke, a homeschool student. And this evening, Inklings Academy is having a great event. And Broden wanted to tell us about that. Broden, welcome to the show. Hello. How are you? Good. How are you? I am well. So Broden, tell me a little bit about yourself. How old are you?
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I am 11 years old, and I am homeschooled. I do Bible quizzing, soccer, theater, and I am on the Holyoke Swim Team.
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Okay, fantastic.
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And I met you when I was out at Holyoke giving the keynote at the Lincoln Day Brunch. which, of course, the food was fantastic out there. And you came up, and we have our picture taken together. And you said, hey, could you come out for our awards ceremony, which I would have loved to, but I tell you, three hours out, three hours back, and a 6 a.m. hit, that would make it really difficult. So I said, how about you come on the show? So tell us what’s going to happen tonight out in Holyoke.
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So tonight is our annual achievement day, but it’s only our second year doing it. We are having an Italian-themed dinner with the serving. We also have an end-of-the-year concert tonight. After our musical performance, we have time to get certificates for doing the program this year and from our teachers and from our parents. We have a play show for everything we have done this year and our art show.
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Well, that sounds like a pretty great evening out there. So how many people do you think might be attending this evening? Over 100. That is great for a little town like Holyoke. And so that’s pretty exciting. So what would you say is one of the, well, what’s your favorite subject?
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In the co-op, I think it’s, Either logic and speaking class or music.
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Okay. You know what?
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Speaking is such an important skill to have. And I wish I would have taken more speaking and debate in school when I was in school. I have worked to try to make up for that. But I would really recommend each student do that because communication is so important, Broden Daniel. Yeah. Definitely. So and then refresh my memory. What did you say? What activities are you in?
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I Bible quizzing, soccer, acting and swimming. So you’re pretty busy out there. Yeah.
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OK. What is what is the thing that you would like to say to the people of Colorado today?
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That. i think what the co-op is doing is good and kids are learning a lot and next semester we’re getting like four new families and i think people around everywhere should homeschool because it is very good in teaching your kids
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actually teaching them and i think that will be better for the next generation okay and so you have a homeschool co-op so you do uh do some things with other other kids as well i think that’s one of the things people don’t understand about homeschool is that actually there are many times families that are working together yeah okay like
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People think that homeschoolers, they live in their house the whole time and they aren’t socialized. But there are co-ops around the world where homeschool families come together and they do like specials like art, music, science, like writing and history, speaking and logic and ethics and etiquette.
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That sounds like a great classical education, Broden Daniel. Broden Daniel, I so appreciate you letting us know about this great event for Inklings Academy this evening, and I congratulate you and wish you continued success. Thank you. And that is just awesome. And that was Broden Daniel from Holyoke, Colorado. And we get to do all of these things. As I mentioned, we are an independent voice, independent station. So we get to do lots of cool things. And that is one of those great, great things we get to do. So and it happens because of all of you and our sponsors. And I wanted to say thank you to Laramie Energy for their gold sponsorship of the show. It is reliable, efficient, affordable and abundant energy that powers our lives today. and fuels our hopes and dreams. And then also the Roger Mangan State Farm Insurance Team knows that life can be challenging, and it’s their mission to maximize your financial security as you manage the risks of everyday life. So call Roger Mangan at 303-795-8855 for more information. Like a good neighbor, Roger Mangan’s team is there.
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And welcome back to The Kim Munson Show. Be sure and check out our website. That is KimMunson, M-O-N-S-O-N.com. Sign up for our weekly email newsletter. You can email me at Kim at KimMunson.com as well. Thank you to all of you who support us. We’re an independent voice and we search for truth and clarity by looking at these issues through the lens of freedom versus force, force versus freedom. If something’s a good idea, you should not have to force people to do it. I did want to mention Hooters Restaurants. They have five locations, Loveland, Aurora, Lone Tree, Westminster, and Colorado Springs. Great sponsors of both the Kim Munson Show and America’s Veterans Stories, how I got to know them. It was when I was on city council. It’s a very important story about the proper role of government and PBIs, those politicians, bureaucrats, and interested parties that – really getting out of their lane, trying to control things. And so you can check all that out. And again, great specials at Hooters restaurants for lunch and for happy hour. So many of you may have seen this. And let me get to this headline. This happened on… And as president of CUT, I had Channel 7 reached out. They wanted to get a statement from us regarding, this is from, let me make sure that I pull that correct here. Yes, this is from Denver 7. And this was on Friday morning. It says, Denver joins lawsuit filed against Trump administration for improper termination of FEMA funds. And it says, according to the suit, the complainants are accusing FEMA of unlawfully and unconstitutionally revoking federal funding that was awarded to these three jurisdictions in 2024. And let’s see here. In addition to Denver, it’s the city of Chicago and Pima County, Arizona that are in this lawsuit. And all three claim that the federal government’s actions are unconstitutional and attempts to override Congress’s constitutional authority to appropriate the funding and that the Trump administration has violated the Administrative Procedure Act by not providing a reason for the rescission. And let’s see here. The city intended to use these millions of dollars to help offset the costs incurred when nearly 43,000 of the newcomers arrived in the city between 2022 and the fall of 2024. So to that, the statement that we provided for Channel 7 was that Mayor Mike Johnston, his administration and prior city administration’s agendas regarding welcoming people to Denver who have come to America illegally, is significantly hurting Demerites. Mayor Johnston has looked and is looking to the federal government, which is money collected from citizens across the country in federal debt, to bail him out and fund his ideological agenda. It is time for Mayor Johnston to grow up and learn that there are consequences to his poor decisions. Instead of using Denverites’ hard-earned money to sue the federal government, Johnston should cut spending, lower taxes and fees, reverse course on his sanctuary city policies for illegal immigrants, and begin to find real solutions for the issues facing the people of Denver. And that is our statement from the Colorado Union of Taxpayers. And with that, I do want to mention my fellow board members. We are working on our ratings report, which will come out. It’s an enormous amount of work. And again, this is all volunteers. And we also join, which means we pay $25 to get to give up our weekends throughout the legislative session to take positions on bills. And I want to say thank you to this group. Steve Dorman, Greg Golianski, Russ Haas, Bill Hamill, Rob Knuth, John Nelson, Wendy Warner, Marty Nielsen, Rami Johnson, Mary Jansen, Dave Evans, Corey Onizorg, Paula Beard, and Ray Beard. And when you see these folks out there, say thank you to them. And also show your support. for us by joining. You can go to coloradotaxpayer.org to join us, and we would greatly appreciate that. Next thing is Jared Polis, Governor Polis signed a House bill 25, 13, 12 into law. And that is, of course, the Transgender Activist Bill. They call it the Kelly Loving Act. And this again, the left is so good with words, because we all want to be loving people to each other. And apparently Kelly Loving was killed in the attack down at the nightclub in Colorado Springs. And so, of course, in their marketing, they would choose to use that particular name to name that act. It’s House Bill 1312. And so, again, this is from KDVR TV 31. It says the Kelly Loving Act was signed into law by Governor Jared Polis, expanding legal protections for transgender people in Colorado. And I would like to right there say that here you have Fox 31. Instead of calling it what it is, House Bill 251312, we’re having this whole play on words. This article goes on to say, known as House Bill 251312, actually it was house bill 25 13 12 it wasn’t just known as that that’s what it was is the legislation passed through the colorado house and senate with bipartisan support after several amendments address concerns raised during their legislative process involving child custody decisions and protections for parents assisting their children on in obtaining Gender affirming care. I’ve got to figure out who that bipartisan support is. And obtaining gender affirming care is actually what it is, is actually using either pharmaceuticals or surgery to cut off healthy body parts of your children. And it says the bill was named after a victim of the Club Q mass shooting in 2022. And this article says the bill approves measures including anti-discrimination policies that consider intentionally misgendering or deadnaming someone as discriminatory acts under the Colorado Anti-Discrimination Act. And deadnaming, what that is, is calling someone by their name that they were given at birth. And so just think about what this could mean for trial attorneys. They are going to love that. And this is going to be very difficult for businesses. It says educational policies that require schools to adopt policies regarding chosen names and dress codes. So for example, schools that like to have school uniforms, the discipline of that, it looks like that may come under fire as well. and it says identification documents that allow people to change their gender marker on state issued ids without the need for a court order so what does that mean let’s say somebody’s committed a crime and you have all this information on this person that committed a crime and then they can just go over here and they can just change their id uh their um and what what does that mean for voting as well are they going to get possible multiple ballots what does that mean And it says this legislation came about after a survey of more than 500 transgender Coloradans found areas where transgender people still face discrimination, harassment, and abuse. And so, again, Jared Polis signed that. And I do think that Colorado is at the tip of the spear of crazyville with all that is going on here. Let’s see, another headline that I wanted to mention, and I actually probably want to talk with Helen Raleigh about this as well. It says, Trump wins the deal. It says, tariffs deliver a blow to China’s manufacturing. And this is from the, give you the source on this, KNEWZ, which I’m not quite sure what that is, but it says, it’s reporting that the U.S. and China agreed to decrease tariffs on each other’s goods for 90 days. The U.S. will lower its overall tariffs on Chinese goods from 145% to 30%, while China will cut its levies on American imports from 125% to 10%. Oh, so they were charging us 125%? Hmm. I think that that’s important that we understand that. It says prior to the deal, China’s manufacturing sector has faced a major slowdown as U.S. tariffs have increased costs for exporters. The Purchasing Managers Index has dropped to 49, showing a clear contraction. Major banks have already lowered their outlook for China’s growth. And I know that from a free market standpoint, there’s been concern about the tariffs and what that does to the American consumer. But I think it’s important to understand that China’s been charging tariffs on our stuff going in there. and I think Trump is just trying to level the playing field, and it looks like he may be successful in what is occurring there. We’re coming into, I can’t believe it, and Memorial Day is pretty early this year, but there is going to be a great event out at the USMC Memorial, and the foundation is hosting it, and it will be on Memorial Day, which is May 26th, And let’s see. Oh, Bob Chica will be the speaker for that. And that’s going to be pretty amazing. He was one of 83 crewmen aboard the USS Pueblo when it was captured by the North Koreans in January of 1968. One crew member was killed in that capture, and Bob was severely wounded. We did interview Bob for our America’s Veterans Stories show as well. It says the crew spent just under a year in North Korea enduring deplorable conditions and unspeakable brutality. And I was at an event this weekend and ran into General Joe Arbuckle, who was our featured guest last Friday. And he was giving us an update on what was happening with the military. Very pleased with what’s going on under Secretary Hegsteth and the Trump administration. But we talked about Memorial Day. And I was also talking with his wife about it. And Memorial Day and producer Steve, this would just drive him crazy, is it’s not about sales, mattress sales and different sales, but and barbecues. And certainly that can occur on Memorial Day, but it’s important that all of us understand what Memorial Day is really about. When I was talking to General Arbuckle, he said 97,000 Americans gave their lives in the Korean War and the Vietnam War. to really stand for liberty, to fight communism. And so we need to stop and reflect on what that actually means, Memorial Day. And so I’d encourage you to talk with your family, your children and your grandchildren about this and do something special for Memorial Day. And I’d highly recommend that you might consider going out to the Marine Memorial, which is out at 6th and Colfax. New Marines are sworn in at 145. The formal ceremony begins at 2 p.m. You can get more information by going to usmcmemorialfoundation.org. That is usmcmemorialfoundation.org. And again, Memorial Day is a day to stop and reflect about those that have given the ultimate sacrifice so that we can live in liberty. And what is liberty? Liberty is not something to just get to do whatever you want to when you want to. It is the responsible exercise of freedom. And all of these discussions happen because of all of our great sponsors. And for everything residential real estate, you’ll want to reach out to Karen Levine. She and Lauren are going to be in in second hour to talk about just some of the stuff that’s going on from a political standpoint or public policy standpoint regarding housing. And again, for everything regarding residential real estate, you want Karen Levine on your side of the table.
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All of 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 Munson Show and grow your business, contact Kim at her website, kimmunson.com. That’s Kim Munson, M-O-N-S-O-N dot com.
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And welcome back to The Kim Munson Show. Be sure and check out our website. That is Kim Munson, M-O-N-S-O-N dot com. Sign up for our weekly email newsletter. You can email me at Kim at Kim Munson dot com as well. Thank you to all of you who support us. We’re an independent voice and 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 should not have to force people to do it. Our next guest, Helen Raleigh, was born and raised in communist China, and she came to the U.S. as a college student. She knew no one and had less than $100 in her pocket. Like millions of immigrants with a craving for freedom, her pocket was light, but her dreams were rich. And through a combination of hard work and scholarships, Helen earned her master’s degree in business economics from the State University of New York. the College of Oneida, and a master’s degree in business administration from the University of Wyoming. She’s the author of several books and a senior contributor at The Federalist, and her writings have also appeared in The Wall Street Journal, City Journal, Fox News, National Review, Newsweek, and other national media. Helen Raleigh, welcome to the show. Good morning, Kim. How are you? I am well. It is great to have you, and it’s been a little while since I’ve seen you, and I guess the reason is is because you’ve got a new book out, and it is Not Outsiders, Asian Americans’ Political Activism from the 19th Century to Today. So I did not realize you were writing this book until you and I ended up with these different emails. So it’s just been released recently, yes? Yes. Yes, just be released at end of April, just in time for Asian Heritage Month of May. Okay. And so tell us about the book, because there is a real long history of immigrants coming from China. So set this up for us.
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Okay. Well, I was motivated to write this book because since 2020, the summer of racial reckoning, the progressive left is starting to using a term that is white adjacent to describe Asian Americans. And among all the racial slurs against Asian Americans, I found that term is especially offensive. because it really carries a weight of discrimination against Asian Americans. It robbed us of our agencies and dignity. It discounted our own histories in America and histories of being, you know, discrimination, segregation. And also it erased our significant contribution to the civil rights movement as well as other political engagement. So that’s why I decided to write this book. And this book, as the book title, subtitle indicated, it covers from the 19th century, the history of 19th century to the present day, mostly focused on political activism. And it’s not just about Chinese Americans. It also covered Korean Americans, Japanese Americans, as well as Indian Americans. It’s just one… from one aspect to showcase the diversity within the Asian American community. But this book is not just about the history of immigration, but mostly focused on the political activism, such as the labor strike, the lawsuit, especially several lawsuits that went to the Supreme Court, as well as the pushback against the progressive war on marriage in modern day. So there are many, many cases that involved in this book. And it was divided in three time periods. So from the mid-19th century to the early 20th century, it was one wave. And then from World War II, the Japanese-American internment, to the mid-19th was another wave. And the third wave starts from the 2000s to present day.
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Okay. So you said this term, Helen, is white adjacent. Am I hearing that correctly? Yes. Okay. And… I think that Asians have always, I think of just the success, for example, for you. Coming here, $100 in your pocket, and then as my father would say, you applied yourself. You looked at, you saw different opportunities. You worked hard. I remember that you had told me that you had worked cleaning at Chinese restaurants to have money to live. And so you believed in hard work. You believed in meritocracy. And it seems that the progressive left does not want people to succeed because they’re doing their best. They want to control people and put them into different groups. And so do you think that’s why there is this attack upon Asians? Because I think generally I think that I just think of hardworking people that have come here for the American dream.
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Yes. So basically, if you look at Asian Americans as a group, especially based on like a pure research, if you look at Asian Americans as a group, Asian Americans have much higher education attainment rate than average American households. Asian Americans also have a higher household income compared to average American households. And so based on these success measures, Asian Americans basically stand out against, you know, basically defeated the progressive narrative that America is a systemic racist country. It always has been. It has never changed. So minorities and immigrants basically have no chance in this country. And then you look at Asian Americans. That’s basically defeated every narrative this progressive has about America, essentially. So the attack against, the progressive attack against Asian Americans is really attacking AGAINST AMERICA. BECAUSE ASIAN AMERICAN SHOWS UNITED STATES IS NOT A RACIST, NOT A SYSTEMIC RACIST Immigrants and minorities actually have a chance here, like you said, you know, through education, through education attainment, through hard work. And by the way, education, value education and hard work are not Asian American values. These are values, Kim, I know you share, I know other people share. I know if you ask any Americans, regardless of their skin color or ethnicity, if they are successful in America, if you ask them, how did you get here? unless they were born with a silver spoon, most likely they will tell you they worked hard, they value education, they take a risk, they did something with their life, and that’s how they get here. So by calling Asian American white adjacent, What this term means, Kim, is basically progressive left basically saying Asian-American success does not come from their individual effort. It comes from they’re just standing next to white people. They share white people’s values. That’s how they get there. That’s why I said at the beginning this term, white adjacent, is particularly offensive. It rob us of our own agency and dignity.
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Wow. Okay, so let’s go through these three different waves, though. So you said that was the 19th century to the early 20th century. Was this a time that people from China came over? Was that to help build the railroads? Or what was that for?
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Yes. So it’s actually included Japanese Americans, too. So Japanese Americans during this time, they emigrated to Hawaii to help build the sugar plantations. So most of them stayed in Hawaii. That’s why their history was not well told during that period. And then, yes, so for that period, mostly it were Chinese Americans emigrated. came to the United States. They came here to look for gold. They didn’t find the gold, but they helped build the railroad. But it’s not just, they did not just build the transcontinental railroad. After transcontinental railroad, because their skill sets were so well known, that they also, they helped many states build their state-level railroad. So many railroads that Americans travel today, especially if you take Amtrak, like in New York, you know, in New Jersey, Pennsylvania, most likely those railroads were initially built by Chinese immigrant workers.
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Okay. What else should people know about that immigration, you know, regarding your first wave?
SPEAKER 08 :
There’s a lot of discussion. Besides the railroad, they also, in California, they also help drain the swamp. That’s where drain the swamp started. They drain the swamp in the Delta region and build, like, reclaim the farmland, help build orchards, and turn that into… BASICALLY BREAD BASKET OF AMERICA. BUT I REALLY WANT PEOPLE TO KNOW IS DURING THIS TIME THERE ARE ALSO SEVERAL SIGNIFICANT SUPREME COURT CASES. SO DESPITE ASIAN AMERICANS AT THIS TIME MOSTLY CHINESE AMERICANS BE SERIOUSLY DISCRIMINATED BASED ON RACE, there were several cases reaching the United States Supreme Court. One of them has a significant impact today. So in 1882, the U.S. government passed the Chinese Exclusion Act. This was the first immigration act to target a single ethnicity, basically prevent the Chinese immigrants to come to the United States. And for those who are already here, they can never become naturalized U.S. citizens. But this act was passed after the 14th Amendment. And so there was one case that a young man named Wong King Ark. He was born here. His parents came here, you know, during the mid-19th century. They worked hard. They started a grocery store. And after the Chinese Exclusion Act, his parents… So he was born here. His parents moved back to China. And he was born here. So he had a natural… YOU KNOW, BASED ON THE 14TH AMENDMENT, HE HAD A BIRTHRIGHT CITIZENSHIP. SO HE WENT TO CHINA TO RAISE THEM. ON HIS WAY BACK, HE WAS STOPPED BY SAN FRANCISCO’S CUSTOMS BECAUSE THE CUSTOM OFFICERS SAID, YOU KNOW, BASED ON THE EXCLUSION ACT, YOU’RE NOT A U.S. CITIZEN. ANYWAY, INSTEAD OF JUST, YOU fall back on the wayside, he decided to fight it. And his case went all the way to the U.S. Supreme Court. And the U.S. Supreme Court eventually rooted in his favor. And the Supreme Court interpretation is the 14th Amendment basically decided that the interpretation is everybody who was born here have a birthright citizenship. Now, that clause is now, you know, is very controversial. It’s under debate. understand and that’s not what this book is about but what i wanted to say is he got a favorable ruling from the supreme court in the 19th century at the height of racial discrimination against chinese americans and this just this this case actually gave chinese americans many hope and all asian americans many hope because It showed what America is about. Yes, there was racial discrimination, actually systemic racial discrimination against the Chinese Americans back then still. This country is based on rule by law. So someone who’s from a race that’s heavily been discriminated could still file a case and actually won in this environment. So that’s what gives the Asian Americans hope, and that’s really prompt political activism from them.
SPEAKER 07 :
That is fascinating, and I realize I need to ask the next question. We’re going to go to break. I’m talking with Helen Raleigh, and this is her new book, Not Outsiders, Asian Americans’ Political Activism from the 19th Century to Today. And a fascinating conversation and how that matches up with today as well. So we get to have these conversations because of our sponsors. For everything mortgages, reach out to Lorne Levy.
SPEAKER 12 :
Bye. Bye. Bye. If you’d like to explore what a reverse mortgage can do for you, call Lauren Levy at 303-880-8881. That’s 303-880-8881.
SPEAKER 14 :
Call now. You’d like to get in touch with one of the sponsors of The Kim Monson Show, but you can’t remember their phone contact or website information. Find a full list of advertising partners on Kim’s website, kimmonson.com. That’s Kim, M-O-N-S-O-N dot com.
SPEAKER 15 :
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SPEAKER 07 :
And welcome back to the Kim Munson Show. Be sure and check out our website. That is Kim Munson, M-O-N-S-O-N dot com. Sign up for our weekly email newsletter. You can do that at Kim Munson dot com. And thank you to all of you who support us. I’m talking with Helen Raleigh and she is has written a new book. A new book out at the end of April, Not Outsiders, Asian Americans’ Political Activism from the 19th Century to Today. So, Helen, you mentioned the Supreme Court decision in 1882 that was at the height of discrimination against Asians at that time and eventually was ruled in favor of this young Chinese man. He was born here.
SPEAKER 08 :
uh parents went back to china of course this begs the question how does this relate to today uh his parents came here legally i assume well it was not a 19th century so there was really no legally or illegally you know that differentiation and that’s why that’s why this ruling you know is has been controversial in our days, and that’s why the Trump administration challenged it. But that’s not what this book is about. I think the book was about, by the way, the ruling was in 1893. The Chinese Exclusion Act was passed in 1882. So there is a 10-year gap. Yeah, but I think what this case illustrated, why this case gave Agent America hope was he filed this case at the height of racial discrimination against Chinese Americans, actually systemic, you know, because there’s a national law, there’s a law that would provide the Chinese immigrants to become naturalized citizens in this country. Yet he was able to file a Supreme Court, file cases, fought all the way to the U.S. Supreme Court. The U.S. Supreme Court actually ruled in his favor and reinterpreted the 14th Amendment in his favor. And not only he won this case, but millions of babies born since 1894, they were able to become U.S. citizens, have birthright citizenship because of this case. So while we are debating birthright citizenship nowadays, actually, I support Trump’s proposal that birthright citizenship should only be granted to babies who are born to at least one parent is U.S. citizen or at least a green card holder today, but you will look at a case back in the 19th century that shows that we are a country of rule of law. As long as we are a country of rule of law, that gives hope to society. Everybody, regardless what your skin color is, what your ethnicity, I think that that’s the lesson we should take from this. So this book, it has a title about Asian Americans’ history, but it’s really about America’s history. That’s why I say the progressive attack against the Asian Americans is really an attack against America, America’s value.
SPEAKER 07 :
Okay. Let’s talk about the second segment of the book regarding World War II to the mid-’90s. Tell us about that.
SPEAKER 06 :
Mm-hmm.
SPEAKER 08 :
Okay, so this one also, I focused on several significant areas. One of them is obviously Japanese internment. That actually has a close relation to our state, Colorado. As you know, during World War II, after Japanese Navy attacked Pearl Harbor, President Roosevelt issued a notorious E.O., basically put Japanese Americans into different camps in Mountain West. And Colorado actually had those camps and hosted Japanese Americans. And so Japanese Americans also decided to challenge this, what they consider unconstitutional yields. By the way, in my book, I gave a very extensive history prior to Japanese Navy’s attack on Pearl Harbor. The Roosevelt government actually did research, and they found that there’s no incidence of Japanese Americans helping Japanese government, yet Roosevelt still decided to prepare the EO and put Japanese Americans into the camps after the Pearl Harbor attack. So at least the four Japanese-American cases challenging the constitutionality of the EO reached the Supreme Court. One of them, the only woman who filed the plaintiff, her case won, but it won also came close to the end of the World War II. Still, it was a win. And again, it showcased that we are a country of rule of law. At the time, there were challenges for different groups, but eventually the truth and justice came. And so that’s one significance. And there are a couple other things also. It ends with… 90s, the LA riots. I don’t know if you remember. I wasn’t here, but the LA riots that the Korean Americans tried to defend themselves on the rooftop with guns because they were left all by themselves. They felt like they were targeted. They were alone. But after the incidents, they also learned that they must be politically involved. So they started running for political office. and become more engaged with the local community. So again, that just shows another strain of how different immigrant groups came to this country, learned to become American, learned to become part of this American fabric through political engagement to become part of this society. Okay.
SPEAKER 07 :
Hey, Helen, one thing, when we say rule of law, I think it’s important that we realize that the laws that are being put into place really need to be constitutional. And with the Colorado Union of Taxpayers, as we’re watching legislation, there’s all kinds of things that have happened, I think, down here at the Statehouse that are not constitutional. And so we need to be electing people that represent us and will adhere to the Constitution and have that passed. that north star of the vision of the Declaration that all men are created to equal with these rights from God of life, liberty, and pursuit of happiness. And so next thing, what is the last wave on this book? Where are you focused at on that?
SPEAKER 08 :
Well, last thing on this book really focused on, you know, what’s happening now. Asian Americans are at a forefront to push back the progressive war against the merit, as well as to try to impose… The progressives, we’ve witnessed that for a couple of years, pushing DEI and CRT, the critical risk theories throughout American society. And Asian America is actually at the forefront to push this back, both through pushback legislation in Washington state and California, as well as the Supreme Court lawsuit through the Students for Fair Admission against Harvard.
SPEAKER 07 :
Harvard’s been in the news a lot, hasn’t it? And how could it be that the premier institution or one of the premier institutions in America is now known as being anti-Semitic? And then also, I’d forgotten about this a couple of years ago on this lawsuit regarding Harvard and Asian-Americans. How did this happen here in America, Helen Raleigh?
SPEAKER 08 :
Well, I think the progressives for decades have been very successful. They basically took over all the great institutions in this country and totally flipped their mindset. You know, you mentioned earlier about technology. the law needs to be constitutional. Yes, our constitution is the law of the land. And when I say rule of law, as I mentioned earlier, the Chinese Exclusion Act passed by the U.S. Congress, signed by the president, it was the rule of law, but it’s unconstitutional. That’s why Chinese people challenged it. Same thing as the Japanese internment. So yes, we must follow the constitution. And Harvard really has a long history of behaviors that are unconstitutional. And remember back in the early 20th century, Harvard had this racial cap against the Jewish students. Basically, they capped Jewish students to a certain percentage. No matter how qualified you are, they do not want to have too many Jewish students. That’s what Harvard has done to Asian American students. And of course, when we witnessed, since October 7, 2023, the brutal attack by Hamas terrorists against Israel, that all the protests in the Harvard campus and other elite school campus, it shows that how much the progress mindset has conquered Harvard and all our elite institutions. That’s why we must push back, challenge the constitutionality of their Lose their regulations and their behaviors. And I totally support a cut their funding because Harvard has a $56 billion endowment fund. They should learn from Hayesville. If they want to continue discriminating people, then they do not deserve taxpayer dollars.
SPEAKER 07 :
Yeah, I don’t think that I really don’t think that we should be using taxpayer dollars for these colleges and universities at all. I think that’s one of the reasons how it’s gotten so expensive. And as I was reading your bio, it included a word in there that I think that. We don’t hear that that often. It used to be people would work hard to get scholarships. And that was on merit. And I remember when things moved to need. And when that happened again, it took away some of the meritocracy on all of that. So, Helen Raleigh, this is absolutely fascinating. What is your we’ve got about a minute left. What’s your final thought that you’d like to leave with our listeners?
SPEAKER 08 :
I first want to make an announcement. I’m going to have a book launch event this coming Saturday at the Bounds and Knowables in Littleton by Wadsworth and Bowles. So it’s in the afternoon between 3 to 6 on May 24th. So anybody who’s available, I encourage you to come. I’ll do a little book reading and answer questions. And also, I just want to reemphasize that the It’s not just a book about Asian America. It’s really a book about America from the 19th century to today. Asian America has always been a fabric of this country and will continue to be a fabric of this country to help make this country more just and more beautiful, more prosperous.
SPEAKER 07 :
Well, and I thank you, Helen Raleigh, and you are really the example of exceptionalism, of American exceptionalism. So thank you so much, and good luck. I’m going to be out of town, so I’m not going to be able to make that on this weekend. But certainly, again, one more time, where’s that at?
SPEAKER 08 :
It’s at the Barnes & Noble by Wadsworth and Bowes, and it’s May 24th between 3 to 6 p.m.
SPEAKER 07 :
Okay. Helen Raleigh, thank you so much. Thank you. And our quote for the end of the show is from Confucius. And he said this, all the darkness in the world can’t put out the light of one candle. 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. God bless America. Stay tuned for hour number two.
SPEAKER 18 :
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 02 :
It’s the Kim Munson Show, analyzing the most important stories.
SPEAKER 07 :
The socialization of transportation, education, energy, housing, and water, what it means is that government controls it through rules and regulations.
SPEAKER 02 :
The latest in politics and world affairs.
SPEAKER 07 :
Under this guise of bipartisanship and nonpartisanship, it’s actually tapping down the truth.
SPEAKER 02 :
Today’s current opinions and ideas.
SPEAKER 07 :
On an equal field, in the battle of ideas, mistruths and misconceptions is getting us into a world of hurt.
SPEAKER 02 :
Is it freedom or is it force? Let’s have a conversation.
SPEAKER 07 :
Indeed, let’s have a conversation. Welcome to our number two of the Kim Munson 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. And thank you to the team, that’s producer Joe Lundgren, Luke, Rachel, Zach, Echo, Charlie, Mike, Teresa, Amanda, and all the people here at Crawford Broadcasting. I so appreciate each and every one of them. Check out the website. That is Kim Munson, M-O-N-S-O-N.com. Sign up for our weekly email newsletter. You’ll get first look at our upcoming guests as well as our most recent essays while you’re over there. At the website, you can email me at Kim Munson. That’s M-O-N-S-O-N.com. Text line, I do want to hear from you, 720-605-0647. And I’ll tell you what, everybody, I did something. Somehow I deleted all of, I like to have all of the text messages, and I deleted everything. So we’re in a fresh new text line here. But I want to hear from you, 720-605-0647. And the show comes to you 6 to 8 a.m. live Monday through Friday. First hour is rebroadcast 1 to 2 in the afternoon. Second hour, 10 to 11 at night. And that’s on all KLZ platforms, which is KLZ 560 AM, KLZ 100.7 FM, the KLZ website, the KLZ app. And you can say, Alexa, play KLZ. After that, you can find us on Spotify and iTunes. And our word of the day is antithetical. And it could be being in direct and unambiguous opposition to something. And I would say that what’s happened down at the Colorado State Legislature overall was antithetical to the vision of our founding, that all men are created equal with these rights from God of life, liberty, pursuit of happiness, and a lot of stuff down there. It was unconstitutional as well. Our quote of the day is from Confucius. He was born in 551 B.C., died in 479 B.C., and he said this, three things cannot long be hidden, the sun, the moon, and the truth. And that’s why we search for truth and clarity every day. I did want to mention the Center for American Values located in Pueblo on the beautiful Riverwalk. And they’re going to, in honor of Memorial Day, on the 28th, they will have an On Values presentation with Colonel J.E. Jeff Chostner from United States Air Force. And that will be at four o’clock at the center. And so more information, go to AmericanValueCenter.org. That’s AmericanValueCenter.org. I am pleased to have in studio with me. I’m Karen Levine, Remax Realtor for Everything Residential Real Estate. It’s great to have you here.
SPEAKER 09 :
It’s great to be here on a Monday morning.
SPEAKER 07 :
I know, bright and early. And Lauren Levy, Everything Mortgages. Great to have you, too. Great to be back. So we’re going to be talking a lot about, there’s a lot happening regarding housing here in Colorado, and I’ve got all kinds of questions for you on that. But one thing, let’s see, I wanted to get to this. Denver Mayor… Mike Johnston has sued the Trump administration using our taxpayer dollars regarding – and this is from KM – let’s see, Denver 7. And they reached out on – Friday, and they wanted a statement from cut from the Colorado Union of taxpayers and so we did provide that so the story is this is Mike Johnston, city of Denver, along with city of Chicago and Pima County, Arizona are suing the Trump administration because the Trump administration said because of your sanctuary policies. uh you’re not going to get some of this FEMA money and so we responded with this uh we oh darn it hold on just a second we have too many too many things going on here I had uh there we go hold on multitasking here. Okay, here’s the statement that we provided. Mayor Mike Johnston, his administration and prior city administration’s agendas regarding welcoming people to Denver who have come to America illegally is significantly hurting Denverites. Mayor Johnston has looked and is looking to the federal government which is money collected from citizens across the country and federal debt to bail him out and fund his ideological agenda. It’s time for Mayor Johnston to grow up and learn that there are consequences to his poor decisions. Instead of using Denverites’ hard-earned money to sue the federal government, Johnston should cut spending, lower taxes and fees, reverse course on his sanctuary city policies for illegal immigrants, and begin to find real solutions for the issues facing the people of Denver.” And pretty hard hitting, but that’s how we feel about it. And we’re going to continue all these discussions. And another great sponsor of the show is the Roger Mangan State Farm Insurance Team. And I’m pleased to be talking with Roger Mangan with the Roger Mangan State Farm Insurance Team. And we seems like we’re getting squeezed everywhere at the grocery store. Everything is costing more. Actually, it seems like the size of the things that we’re buying is shrinking and people are looking at ways to save money. And Roger, I had a friend of mine that this was probably over a year ago. that is a listener to the show and reached out to you, and you were able to bundle her insurance together, and she saved, I think, at least $1,000. It was pretty significant. So what should people know about bundling insurance?
SPEAKER 17 :
You should definitely consider doing that. I do know people who shop separately for their insurance, so they’re not obligated to stay with, for example, State Farm or American Family, whomever, because they can get a better rate by individually going out there and shopping. If that’s your forte, then so be it. But I can tell you, based on your example, Kim, Bundling is important. Insurance companies give significant discounts. So when we talk about bundling, we’re talking about bundling your home, your cars, your umbrella liability policy, and even life insurance. All of those things. filter back and create a discount that can be significant. For example, I’m looking at a quote we did not too long ago on an $850,000 home, and the claim record rating part of that quote, we gave a $673 discount because of the claim history of that person applying for insurance. And you all know what’s happened to your homeowners insurance rates over the last, I would say, seven years specifically, or especially in the last three years. And most of this rate increase is a result of inflation. And by the way, insurance companies People think, well, they make all this money. Well, I can tell you that for every dollar we’re collecting today, we’re spending about $1.20, so a 20% loss. We’re spending more than we’re collecting in premium. The only thing that keeps a good insurance company going is their investment income, which they use then to put into reserves and to run the business. So… What I see happening with bundling is your rates go down. They never go down as much as you’d like to see them, but that’s a technique that certainly should be utilized by you as a consumer.
SPEAKER 07 :
And so if somebody wanted to check this out, they could set up a complimentary appointment with one of your team members, yes?
SPEAKER 17 :
Absolutely. And we have… wonderful team members that are very experienced so please give us a call you can reach us at 303-795-8855 we’ve been in business in littleton area and we write in arizona as well as colorado so anywhere in colorado you live or arizona we can give you a quote That number is 303-795-8855. And like a good neighbor, the Roger Mangan team is there.
SPEAKER 01 :
Property is surely a right of mankind as real as liberty, wrote founding father John Adams. RE-MAX realtor Karen Levine has been working diligently at the local, county, state, and national levels to protect property rights and home ownership. Karen has navigated the often challenging Colorado metro real estate market for years. Karen Levine is the trusted professional for you to turn to when you are buying or selling your home, considering a new build, or exploring investment opportunities. Realtor Karen Levine. You want her on your side of the table. Call Karen at 303-877-7516. That’s 303-877-7516.
SPEAKER 05 :
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SPEAKER 14 :
You’d like to get in touch with one of the sponsors of The Kim Monson Show, but you can’t remember their phone contact or website information. Find a full list of advertising partners on Kim’s website, kimmonson.com. That’s Kim, M-O-N-S-O-N dot com.
SPEAKER 07 :
And welcome back to The Kim Munson Show. Be sure and check out our website. That is KimMunson, M-O-N-S-O-N.com. Sign up for our weekly email newsletter. You can email me at Kim at KimMunson.com as well. Thank you to all of you who support us. We’re an independent voice on an independent station searching 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 should not have to force people to do it. I did want to say thank you to Laramie Energy for their goal sponsorship of the show. It’s reliable, efficient, affordable, and abundant energy that powers our lives, fuels our hopes and dreams, and empowers us to change our own personal climate. That means being warm in the winter and cool in the summer. And also Memorial Day is right around the corner. And I really recommend that you stop, reflect, talk with your… children, your grandchildren, about what Memorial Day really is, and that’s remembering those that gave their lives that last full measure of devotion for our country. And a great event that’s going to be occurring 2 o’clock out at the USMC Memorial is a great event, and I would recommend that you consider that and go to usmcmemorialfoundation.org. That’s usmcmemorialfoundation.org.
SPEAKER 09 :
in studio with me everything residential real estate karen levine everything mortgages lauren levy karen levine spring selling season i see signs out there for houses for sale so what’s going on uh it’s the spring selling season and there’s lots of choice more choice than we’ve seen in probably a decade but the colorado association of realtors april Housing reports came out, and what I was feeling is what they relayed in their reports, which is buyers are being a little cautious. They’re a little concerned just a lot about uncertainty, uncertainty in the financial markets, uncertainty in the job market. And so they’re being cautious. But in their cautiousness, that creates uncertainty. Opportunity for those who want and are willing to take a little bit of risk, which means because there’s more choices, there’s opportunity for potential more negotiation. We’re also seeing sellers who are more motivated taking some sizable price reductions and seeing values more affordable. So I think I used the example of a new listing I had priced at $500,000. That got a lot of activity, a lot of activity and multiple offers. But homes in, oh, the mid-6s, low-7s, not seeing as much activity unless they are priced appropriately, well-prepared, and maybe have some… above average updating or location.
SPEAKER 07 :
Okay. So are we starting to see significant decreases in the values of housing in the metro area?
SPEAKER 09 :
Actually, no. The data showed that the average and median prices in the metro area stayed stable or went up. So it’s uncertain. It is uncertain.
SPEAKER 07 :
So what does that mean, Lauren Levy, regarding mortgages? So like a reverse mortgage, there’s still opportunity on that because the values are holding up.
SPEAKER 13 :
On the mortgage side of things, we don’t get too involved. We’re not there yet. There could come a time when someone is under contract and a house under appraises. Technically, we’re not anywhere near that. So that’s where it could possibly affect your mortgage. But as far as we’re concerned, and it’s because refis aren’t screaming hot either right now. So it’s not like a lot of people are trying to refinance and need that higher value. So we’re not running into that a ton. Appraisals are fine for mortgages right now. Everything’s normal. I think like Karen’s saying, it’s just some properties that… are trying to compete and get sold because there’s more availability and buyers are kind of not sure right now that they might need to lower their price if they’re not as quality as another listing.
SPEAKER 07 :
Right, so if a home is dated, that’s going to probably affect it a little bit, yes?
SPEAKER 13 :
Yeah, I mean, there was a time when anything was selling hot, right? I mean, no matter where it was. And now if you don’t have that prime location or you’re not as updated as a competitive listed property, then you may have to lower your price to get more competitive.
SPEAKER 07 :
Okay. And, Karen, location is always really important. Are you seeing different parts of the metro area are softer or stronger than others? Yes. Okay.
SPEAKER 09 :
Real estate is local, and so you do see communities that people are looking for homes to come on the market, and there has been very little inventory. So when those come on the market, they have a lot more activity because people have been on the sidelines waiting for a home in that neighborhood. So it’s also interesting, we talk about location, a property in Arvada in a very, I would consider middle class, middle America community, very desirable. it came on the market and backed open space. Again, an opportunity doesn’t present itself every day, and so it had lots of activity, and it was well-updated. Sure, it had some… compromises as every house does we never know when we go to buy a house what we’re going to compromise on because there’s no perfect house right um but that got good activity and i’m sure that they got their asking price if not better because of their location but the tougher locations are going to need to know that they’re going to probably have to be more aggressive in their pricing okay what are some of the tougher locations well backing to a busy street okay you know um That’s a key.
SPEAKER 07 :
That’s a key one.
SPEAKER 09 :
Yeah, that’s a key one. Sometimes your neighbor’s on either side of you.
SPEAKER 07 :
Okay, okay.
SPEAKER 09 :
You know, if they’re not taking good care of their home, a buyer might say, you know, that might not help my property value. Gosh, you can’t do anything about that, can you? Can’t really do anything about that, which, again, that’s freedom of homeownership, you know, property rights, so.
SPEAKER 07 :
But there is a responsibility, and that’s another thing about freedom is the responsible exercise, or liberty is the responsible exercise of freedom. I did an airport run yesterday, and I noticed that there’s a bunch of new development out there. It looks like probably single-family homes.
SPEAKER 09 :
Yeah, and there’s actually some really good affordability out by the airport. I, of course, laugh at that. how human behavior is. You know, Stapleton was kind of out there, our old, old airport, and then we built housing around it, and then they complained about airport noise. Again, we put the airport way out there, and now there is more affordable housing out there. There’s actually a lovely 55-plus community out there as well. Well, they can’t hear us. Well, maybe, maybe, right? They can’t hear the airport. Yeah, and it’s nice to see because it provides good affordable housing really for a lot of airport employees, you know?
SPEAKER 07 :
Well, and if you travel.
SPEAKER 09 :
And if you travel, you know, come and go.
SPEAKER 07 :
You can put white noise on probably when you’re sleeping.
SPEAKER 09 :
Well, and the reality is I live by Rocky Mountain Regional Airport. Mm-hmm. It’s it’s like anything you become used to it. I don’t notice it unless I
SPEAKER 07 :
A rare occasion. So on new bills, people just, if they want to look at that, they need to have representation on their side of the table. So they just need to call you first if they’re going to consider that, right?
SPEAKER 09 :
Yes. And what people need to understand is builders have sales representatives at their model home complexes or at their sales complex, whatever. And Those people work for the builder. Their job is to represent the builder, to market the amenities of the home and the community to the consumer, to the buyer. And that’s great. They’re very, very knowledgeable. But if you don’t have someone like myself representing you as your agent, as a buyer agent, you don’t know what opportunities may be available to you and things to watch out for and You know, the busy street thing or the thing that may affect your property down the road, those type of things.
SPEAKER 07 :
That’s important to think about that. Yeah. OK, Lauren, on these new bills, I know sometimes the builders may have a mortgage packages for people. Yes.
SPEAKER 13 :
Is that a good idea, bad idea?
SPEAKER 07 :
It’s kind of part of the whole… Oh, it’s a great idea for them. Is it?
SPEAKER 13 :
Yeah, it’s… I belong to all these mortgage forums and things, and you run into people that are either new to the business or just haven’t dealt with it much, and they’ll be like… They’ll put a question out there like, I don’t understand. How can I compete with this? I got a buyer that’s getting a 499 interest rate from this builder and came to me to compete. And people just write back, you can’t. It’s a different segment of the business. Those guys oftentimes either own their own mortgage company. Or are so tied in with one that they just have more ways of making money with their markups. So they can say, we’ll pay $20,000 in fees for you to cover your mortgage because they’ll bill you $75,000 in their design center and it doesn’t cost them $75,000 to do that. So they’ll make it up somewhere else, whereas as a mortgage person, we don’t make $20,000 on a loan ever to cover a fee for someone like that. I’d love to be able to say, oh, I’ll just give you that $499 also, and then I’ll cover the $20,000, but I’m not going to lose $17,000 on the transaction.
SPEAKER 07 :
Sure, because you won’t stay in business for very long. No, like a day.
SPEAKER 13 :
Yeah. So they just have other ways to make up for it, the builders do, whether they own the loan and they’ll just keep it and they’ll collect the interest, or they’ll make up for it somewhere else in the process.
SPEAKER 09 :
Okay. And I think just adding to that, it’s, of course, my preference is to work with a partner like Lorne because I trust him. I know his pricing is very competitive in the marketplace. But it’s very hard for me to tell my buyer client that when a national builder, and it could be a local builder as well, but a national builder has their own mortgage company, their own title company, everything is in-house, and they’re going to buy their rate down to below the current market rate, that it isn’t wise for them to use that. Sure. You know, and you have to look at the pros and the cons.
SPEAKER 13 :
And I tell them the same thing.
SPEAKER 09 :
Yeah.
SPEAKER 13 :
When they call me, they say, you know, and listen, I’ve had people that I’ve worked with for months, months, getting them pre-qualified, doing all the work, you know, they’ve looked at this home and this home and this home and this home, and then they call one day, like, well, we found a home. can you do this?
SPEAKER 07 :
And it’s a new boat.
SPEAKER 13 :
And they drifted onto a new construction. Yeah. And I’m like, well, it was nice working with you. Okay. And they’re like, what do you mean? I’m like, I’m just being honest. I can’t touch what those guys are doing. Okay. I can’t finish your basement for you for free.
SPEAKER 07 :
Yeah.
SPEAKER 13 :
And they will, you know, so enjoy.
SPEAKER 07 :
Well, it’s all, yeah. It’s all packaged.
SPEAKER 04 :
Yeah, but…
SPEAKER 07 :
So is there any pitfalls that a buyer should consider?
SPEAKER 13 :
Oh, for them. I can give you an example.
SPEAKER 07 :
Okay.
SPEAKER 13 :
I won’t name names, but I had a client that this was happening to. And they came to me because they were having trouble dealing with the builder’s lender. They just weren’t communicating with them. So they came to me to see if I could help them. And in their contract, it said that they were not allowed to switch lenders once drywall was up. Inside the house, they were stuck. They also were told that they had to use a specific homeowner’s insurance company.
SPEAKER 09 :
Oh, my heavens.
SPEAKER 13 :
According to the contract. I had the contract right in front of me. And the homeowner’s insurance alone was $6,000 a year on a home that was probably $500,000. And this is two years ago or so. So homeowner’s insurance hadn’t spiked like it has yet now. So I told them, I’m like, look, you signed this agreement. You can’t switch lenders right now. So what I did is I waited until about… three weeks before they were going to close and I started to refinance for them and the minute the loan closed they bought it they went with that insurance company and did all the things and then about I had to wait a little bit you have to wait for the mortgage to record and things but about 30 days in we refinanced them out of that loan and switched their insurance company
SPEAKER 07 :
Okay.
SPEAKER 13 :
And saved them thousands.
SPEAKER 07 :
Okay. And you were able to save them money by doing so.
SPEAKER 13 :
Oh, we took their insurance alone from $6,000 to like $3,500.
SPEAKER 07 :
Okay.
SPEAKER 09 :
Wow. So that’s why having me on your side of the table is critical because those are the things I’m going to point out to you in a contract. I want you to be aware of the risk. This is the risk. And I don’t know if they had representation. No, they didn’t. And so those are things I know to look at in a contract. There are several builders that their contracts are 100 pages long. And as consumers, you’re like, well, if I want the house, I have to sign it, which is true. You can’t revise their contracts. But let me at least point out to you what your exposure and your risk is.
SPEAKER 07 :
Right. And have you ever seen somebody being able to change the contract? No, that’s what I’m saying. You can’t change them. Okay. No. Okay.
SPEAKER 09 :
No. But the choice is, is this the house I want and this is the risk I’m willing to take? Okay. Or would I rather move on?
SPEAKER 07 :
Okay, got it. So, hey, Karen Levine, what’s your phone number if people want to reach you?
SPEAKER 09 :
If they want to reach me, pick up the phone and dial 303-877-7516. That’s Karen Levine, 303-877-7516. And, Lorne, what is your phone number? Mine is 303-880-8881.
SPEAKER 07 :
Again, Lauren Levy, 303-880-8881. We’re going to continue the discussion. I saw something here. Governor Polis, and send this over to Karen and Lauren, wanted to talk with them about it. This is from CPR News. Governor Polis will shut off millions in state grants to cities and counties that don’t comply. Comply is that force word. with state housing policies. And so it is true, what the government giveth, the government can taketh away. And we have these discussions because of our sponsors and very pleased to have the Second Syndicate as our sponsor.
SPEAKER 16 :
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SPEAKER 12 :
The current level of interest rates is causing challenges and creating opportunities. For nearly 20 years, mortgage specialist with Polygon Financial Group, Lorne Levy, has helped individuals realize their hopes and dreams of homeownership, fund kids’ educations through second mortgages, and access capital by utilizing reverse mortgages. Lorne’s not constrained to work with just one lender. Because he works with many different lenders, Lorne offers you choices for your individual mortgage needs. Knowledge is power and preparation leads to success. Call Lauren Levy at 303-880-8881 so that you are prepared for the opportunities in the mortgage market. That’s Lauren Levy at 303-880-8881.
SPEAKER 04 :
is essential for your success, especially during tough economic times. If you love The Kim Munson Show, strive for excellence and understand the importance of engaging in the battle of ideas that is raging in America. Then talk with Kim about partnership, sponsorship opportunities. Email Kim at kimmunson.com. Kim focuses on creating relationships with individuals and businesses that are tops in their fields so they are the trusted experts listeners turn to when looking for products or services Kim personally endorses each of her sponsors again reach out to Kim at Kim Munson calm
SPEAKER 07 :
And welcome back to The Kim Munson Show. Be sure and check out our website. That is Kim Munson, M-O-N-S-O-N.com. Sign up for our weekly email newsletter. You can email me at Kim at KimMunson.com as well. Thank you to all of you who support us. We’re an independent voice, and we search for truth and clarity by looking at these issues through the lens of freedom versus force, force versus freedom. If something’s a good idea, you should not have to force people to do it. And I did not put my checkmark that I mentioned these things. Did I give the word of the day earlier today? uh yeah antithetical okay good okay great checking myself that voice was karen levine and the other voice was lauren levy karen levine for everything residential real estate and lauren levy for everything mortgages okay i saw this headline and it is true what the government giveth the government taketh away and this is from cpr news it was published on may 16th governor polis will shut off millions in state grants to cities and counties that don’t comply there’s your force word right there with state housing policies. And it says that it would require cities and counties in Colorado to show that they’re enacting recently passed state housing laws in order to be eligible for more than $100 million in state grants in areas like transportation and energy. Those are two things that we really like. And so they’re going to use that as the lever. And it says Polis has made housing affordability, increasing housing capacity top priorities for his administration. So the new order is a way to ensure local communities are following the law. And so he’s usurping local zoning. So Karen, what’s your comments on this? After you’ve had a chance to review it.
SPEAKER 09 :
That’s a little broad question. But I know the challenge in Colorado and the challenge in the Front Range is bringing more housing to our communities. And we’ve talked about the fact that when we were short on inventory and we were seeing multiple offers and prices being drove up, It was because we didn’t have enough inventory in the marketplace because builders had left the market during the Great Recession. They were afraid to start building back up. They got into the market, started building. We were behind in production. But a lot of that… delay in coming back into the market, I believe, was somewhat because of public policy and the things builders are required to do. So adding more levels of government is generally not the answer. Rolling back some government would be super helpful in the housing market, but in an attempt, and I would say our House representatives and Senate representatives, and For instance, the Colorado Association of Realtors are trying to find solutions to how do you bring more product to the market and bring it, quote, unquote, affordably. Is this the answer? There may be some good pieces in here, but I also see what cities are doing to respond to things like one of the – What do I say? Billet points in this article was prohibiting residential occupancy limits. So local governments have said you can’t have more than three or five unrelated people in a residency. And now the state is saying you can’t do that. And we have municipalities who are like, well, how do we address this? So for instance, Lakewood is discussing limiting square footage of a single family home. Now, shouldn’t that be market driven?
SPEAKER 07 :
One would sure think so.
SPEAKER 09 :
You would think so. So instead of a typical, whatever, 2,500 square foot home, we’re going to make a 1,000 square foot home so that only three people can live in that home to usurp, as you would say, prohibiting residential occupancy limits. I don’t think that makes sense.
SPEAKER 07 :
So is Lakewood actually saying that you would not be able to build a house bigger than 2,000 square feet?
SPEAKER 09 :
Well, I don’t know what their square footage limits are, but yes.
SPEAKER 07 :
Good gracious. What do you think about this, Lorne Levy?
SPEAKER 13 :
I think, when I read it, I think two things. Immediately I came to mind what you’ve been saying for years about these city planners and trying to force everybody to live along the light rail. Because that’s basically what that’s talking about is putting them near the trains and maximizing the housing along the train tracks and where people don’t need cars and freeing up parking lots to build on. So I read that and I’m like, people want their cars. I was talking to a buddy this weekend about it. But the other thing is I try to look at these things from the holistic side of things. For example, builders’ land is more expensive. Everyone that owns a home loves the fact that the home values have gone up, right? Everybody wants to make as much as they can at their jobs. And you look at states like here and in California where we’ve raised minimum wage to try to help people make more money. Same thing, the contractors that build homes, their employees need more money. You know, you’re paying them more per hour. So these homes, and then you put regulation on top of that. These homes are more expensive to build and builders aren’t going to build them to lose money. And so they try to make them affordable, but I think the way to make them affordable would be to entice builders to build them through some sort of grant program or something rather than just saying you have to build cheaper homes. They can’t.
SPEAKER 07 :
Well, but I push back on… Anything involving grants, yes, that’s choosing winners. Because if we would reduce rules and regulations, I ended up debating Mayor Mike Johnston in person regarding his sales tax increase for affordable housing, which the people of Denver did not approve, which is a really big deal. And in doing that research, now I can’t quite remember, but it’s at least 25% of the cost might even be higher of a residential new build. 25% of that goes to rules and regulations and I think even more for multifamily housing. It doesn’t take a rocket scientist to lower those rules and regulations, but then the PBIs lose their power.
SPEAKER 13 :
Well, I was involved. I have another side business we’ve spoken about, and I was involved in the construction level of that building, and I happened to be dealing with the city of Centennial versus Arapahoe County. And I knew someone else that was rebuilding a restaurant that had had a fire, and we were able to get the building that we did open way faster. Their fire had already happened before we even started doing our thing. And I was like, what is taking you guys so long? Like, the difference is in Centennial, you call an inspector. On a Friday, you have an appointment Monday morning. Like, we call an inspector on Friday. We may have an appointment by the following Friday. Like, just dealing with two different government agencies. And I’ve heard, like, Denver. You hear about it in California. One of the things with these Palisades people is they talk about… How long the permit process is. When you have a loan for construction and you’re paying interest on that loan.
SPEAKER 07 :
Time is money.
SPEAKER 13 :
Time is money. And they burn time. There’s your price.
SPEAKER 07 :
Right there. So that’s a big thing.
SPEAKER 13 :
There’s a chunk of it right there. It’s literally all interest payments and things like that that builders aren’t going to lose.
SPEAKER 07 :
Okay. So you have a good experience with Centennial.
SPEAKER 13 :
I had a good experience. They went fast. They’re quick. Okay. And that saves money.
SPEAKER 07 :
Should we throw the other?
SPEAKER 13 :
It was just Arapahoe County.
SPEAKER 07 :
Oh, it was Arapahoe County. Interesting.
SPEAKER 13 :
Just down the road.
SPEAKER 07 :
Huh, wow, that is really interesting. So there are things that can be done. There are free market answers to this. And the other thing that I’ve learned from both you, Lauren and Karen, is that all of these apartment buildings along light rail They are getting favorable interest rates and things from the government to build that, to incentivize that, which, again, a builder is going to look at that. And, Karen, you said you had a friend that was going to build a multifamily – is it called multifamily housing, right? And he wanted to do condos. He wanted to do a project where people would own something. And it was – what, he was told that he couldn’t?
SPEAKER 09 :
Well, through the granting process and – He qualified for affordable housing, he and his development group, and they were redoing some redevelopment. It’s taking place over, I believe, by Sloan’s Lake. And this project, I believe, is now five to six years in the making. And during that time, what has happened to interest rates… And that’s money. Money. What has happened to interest rates… Every time they think they’re moving ahead, the government imposes another level of something, another level of policy, another level of requirements, like this was just signed and so they were bringing out X amount of ownership units and that continues to get cut back because the available funds really are supposed to go to rental units because they changed the guidelines and you look at that rhetoric who’s ever you know in this position as a developer builder you say to yourself this is a market I do not want to do business and
SPEAKER 07 :
I was at an event on Saturday, and I was talking with a woman. They have four children, and they were hoping that their kids would come back to Colorado and partake in the family business. And the two oldest, the other two are too young, the two oldest said, we’re not coming back to Colorado. And Colorado used to be a place that people really wanted to come, Lauren Levy.
SPEAKER 13 :
I agree. I mean, it doesn’t surprise me. Karen, as a realtor, would know a lot more than I do as far as where people are buying. But I have friends of mine that just listed their house.
SPEAKER 07 :
Are they moving out of state?
SPEAKER 13 :
Yeah, they will. They listed it now. Their financial person told them it was a good time to do it. I didn’t even know they were doing it. because now they’re going to rent because they have a child that has one more year of high school. Okay. So they’re not leaving yet. So we’re all like, oh, you listed your house? I saw the sign, you know. But they’re, because they thought this was top dollar is what they were thinking. And they got their price, but they’re moving to outside of Charlotte.
SPEAKER 07 :
And North Carolina’s been a place that people have moved. So I wanted to just mention this article, and we’ll continue the discussion, and I’m going to try to get to these text messages as well. And I think it’s Lee that had called in regarding the issue on smart meters, and we also had another caller. And Lee, we want to make sure that we have your phone number. So I think Joe’s figured out a workaround to get that. But if not, you might just give Joe a quick call at 303-477-5600. And so this is from the CPR article. It says these are some of the bullet points requiring local governments to investigate and report on their unmet housing needs regularly. Well, that’s going to cost something. Prohibiting.
SPEAKER 09 :
And why is that?
SPEAKER 07 :
A proper role of government. Yes. The market should figure that out.
SPEAKER 09 :
Right. And if a city doesn’t have the housing needs that they need, they need to change their policy to be able to meet their housing needs.
SPEAKER 07 :
That sounds like a good idea.
SPEAKER 09 :
It’s very logical, right? Sorry. Yeah.
SPEAKER 07 :
Okay, prohibiting residential occupancy limits, allowing accessory dwelling units, putting in place, oh, I missed this.
SPEAKER 09 :
Oh, this is not, wow.
SPEAKER 07 :
Right of refusal policies that would give local governments a better chance of purchasing affordable housing before it converts to market rate. I thought that was out of there. No.
SPEAKER 09 :
No. Now, I would say that there was a lot of amendments made to this, and maybe we got the best that we could have expected, which is that big developers, apartment owners, which generally are big corporations, conglomerates, those type of things, If they are looking to sell and they have received, they have received government assistance when they were built and they’re under an affordable, under the umbrella of affordability, they then must offer to the government the first right to buy it.
SPEAKER 07 :
And so how does the government have money to buy this? Where does the government get the money to buy this, Karen?
SPEAKER 09 :
Oh, I think that I write them a check on an annual basis, maybe. Oh, yeah, that’s right.
SPEAKER 13 :
Or every month.
SPEAKER 07 :
Or every two weeks.
SPEAKER 09 :
Or quarterly or whatever, right.
SPEAKER 07 :
So they take money and then they, because government, oh, I can feel my blood pressure going up on this discussion, you guys. And then this came in from Susan. This is part of Agenda 2030, the limited square footage requirement. We’re going to continue the discussion. Text line is 720-605-0647. In studio with me, Karen Levine, what’s your phone number? 303-877-7516. And Lauren Levy, Everything Mortgages, what’s your phone number? 303-880-8881. And I get to work with amazing people as my sponsors, as you can see from these two people that strive for excellence. And another great sponsor of the show is John Bozen and Bozen Law.
SPEAKER 19 :
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SPEAKER 20 :
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SPEAKER 15 :
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SPEAKER 07 :
And welcome back to The Kim Munson Show. Be sure and check out our website. That is KimMunson.com. Sign up for our weekly email newsletter. You can email me at Kim at KimMunson.com as well. Thank you to all of you who support us. We’re an independent voice and we search for truth and clarity by looking at these issues through the lens of freedom versus force, force versus freedom. If something’s a good idea, you should not have to force people to do it. And also, in honor of Memorial Day, check out the Center for American Values in Pueblo, located on the beautiful Riverwalk. They’re going to have a great On Values presentation in honor of Memorial Day on the 28th, which is Wednesday. In studio with me is Karen Levine, Remax Realtor, and Lorne Levy, Everything Mortgages. And I want to hear from you on the text line 720-605-0647 today. Karen, I don’t know the answer to this. Do you? How can the governor do that to home rule cities? I don’t know the answer.
SPEAKER 09 :
I don’t either.
SPEAKER 07 :
Okay. Yeah. We’ll have to see. I wonder if there’ll be a lawsuit that cities would have to use their money for that. Mm-hmm. On some of the other things that was on the show, this came in right after Broden Daniel was on the air. He called in regarding, let’s see, it’s Inklings Academy and their great event out in Holyoke tonight. And this listener said, I’m so impressed with Broden. He’s going to do well in life. Another listener regarding Helen Raleigh. And Karen, I’d not heard this white adjacent. Had you heard that?
SPEAKER 09 :
I hadn’t. That was really interesting. I was listening to Helen on the way in. Yeah. And I had not heard that terminology, but I can understand why the Asian community would find it inappropriate, offensive.
SPEAKER 07 :
Mm hmm. Mm hmm. Yes. So I would say white adjacent is antithetical to the American dream. But this came in. Let’s see. The hypocrisy of discriminating against Asians while passing alleged anti-discrimination laws for transgenders, picking and choosing categories of people to prop up and put down, says white adjacent is a pejorative term for hardworking, successful, and assimilated people. And another listener said, Helen Raleigh is a great American treasure. And so, yeah, pretty interesting on that. Regarding this, again, the title just, again, Government Giveth, Government Taketh Away. Government has made housing more and more expensive through all these rules and regulations. And then this, I think that was Prop… Was it Prop 123? Was that what it was? Yes. And we were hard no on that. We made the right argument, I think, on that. Because what the government giveth, it will take away. And so Polis says he’s going to shut off millions in state grants to city and counties that don’t comply with state housing policies. They will not give up on this transit. And very seldom, Lauren Levy, do I see people on these – rail platforms wanting to ride the train. The trains have become dirty and dangerous, but they’re continuing to double down. It says in this CPR article that he also would require denser housing developments near transit and eliminate minimum parking requirements for new construction near transit hubs. So they think if they can take away and make it so inconvenient to drive your car and that you will give up your car, right?
SPEAKER 13 :
You’ll move closer to the rail.
SPEAKER 07 :
Yeah. So all these young people that have come to Colorado to hike and to ski, snowboard, how are they going to get to the mountains?
SPEAKER 13 :
In like a clown car. Like the one person that maintains their vehicle, I guess.
SPEAKER 07 :
Yeah.
SPEAKER 13 :
Give them all a ride.
SPEAKER 07 :
Yeah, start charging them.
SPEAKER 13 :
They’ll probably be… I don’t know.
SPEAKER 07 :
Yeah. So how…
SPEAKER 09 :
Sort of on the pushback. I think that we, as wanting to be the big city, wanting to do the things that the New York and the San Francisco markets did. I don’t want to. But Kim, you’ve got to roll it back a decade. And you’ve got to look at what we were looking at and why we thought it was a good idea. And I think mass transit does have a place in our society and in our communities as it does around the world. We, the United States, haven’t embraced it and done it as well as other places. So with that said, if you’re going to do density, the place to do density is a long transit. So to me, that’s very logical. And I believe it was our young people who came to Denver and wanted to be in the walkable city and do the walkable thing and be on transit. And then they realized their freedoms had been taken away and thus the pushback and no one on the train. But I will tell you that if we’re coming downtown and a group of friends are coming downtown to hop on the Gold Rail to come to Union Station for dinner, It’s really quite nice, and it’s very easy, and the train wasn’t dirty. So with that said, there’s got to be a balance, and choice and freedom are both important to play in that.
SPEAKER 13 :
And there can also be more condos, though, and not apartments.
SPEAKER 09 :
And ownership, yes. Yes, ownership units. That’s an ideal place.
SPEAKER 13 :
Because then you could build wealth along the rail, and maybe more people would want to do it.
SPEAKER 07 :
Right. What about, I know people have been a little afraid of condos because of the condo fees. What would you say to that, Lorne?
SPEAKER 13 :
I mean, the condo fees are real, but it’s like… I think people would still buy them because it’s a great way to – real estate is the number one way to build wealth. And if you could own your condo near the rail, you might be more enticed rather than paying someone else rent. If you want to go build wealth through real estate, you kind of have to go away from the rail because they’re all rental units.
SPEAKER 07 :
So one has to ask why rental units? And again, I think this is part of, okay, I’ll put on, got my tin hat here. This is part of Agenda 2030, where you will own nothing and be happy about it. Remember when you and I did that show?
SPEAKER 09 :
Well, and that, you’re right in line with that, which is we have made it impossible to build condominium for sale ownership units in our state. And so thus, if you’re going to build housing, it ends up being rental along the transit corridors. And Lauren’s right. If we could return to a marketplace that could build condominium housing ownership units um that then were affordable and they’re not affordable because of construction defect legislation so no one builds them yes you have hoa dues but this is the part people misunderstand about hoa dues hoa dues are paying for the insurance on the building They are paying for maintenance on the building. In some cases, they are paying for utilities on those buildings. So those are costs that you are going to pay in a single-family home, but they’re combined. And initially, or the vision, is that when you’re buying more, you get a better pricing, right? Okay, okay. But then you… bring in management companies who with minimum wage are now having to pay their employees more money, which means the management fee goes up. So again, as we continue to add policy and Regulations. Regulations. The costs go up.
SPEAKER 07 :
Okay.
SPEAKER 13 :
And that’s another thing you can shop around for. When you go out with Karen looking for a condo and you find one you like, but you find the HOA dues are too high, you go somewhere else. Find one with lower HOA dues. Eventually, no one will be buying those units and something will have to adjust.
SPEAKER 07 :
But that would all be free market. So these things, mass transit, I remember when I was on city council, they were taking money that was coming to Colorado for, say, your federal gas tax. That was supposed to go to our roads and bridges. Oh, okay. I missed that. Thank you, Joe. But yet they were shaving money off of that for mass transit. We’ve got Action N. I bet there’s something coming up. We’ve got about 30 seconds. What’s on your radar?
SPEAKER 21 :
Well, I just wanted to mention that when Helen Raleigh talked about the case that she has in her book, that we had clear immigration policies in the 1800s where you had to apply immigration. to enter this country. You had to have a sponsor. You worked five years to prove your productivity, and you had to disclaim your country of origin. So I don’t know if she’s going to address that in her book, but we had clear immigration policies in the 1800s where she’s talking about the case that was won under the SCOTUS ruling.
SPEAKER 07 :
Oh, good for you. Good for you. Excellent point, Ann. I really appreciate that. And if you could email over that information to me, that would be just great because I’d like to talk with Helen about that. Okay. Okay. Bye. Okay. Sounds great. Okay. We’re just about out of time. Karen Levine, Everything Residential Real Estate. Quick final thought.
SPEAKER 09 :
Well, if you’re thinking about buying or selling this spring, there is opportunity. And yes, you’re hearing, you know, some challenges in the marketplace, but I am here to help you navigate those challenges.
SPEAKER 07 :
Phone number? 303-877-7516.
SPEAKER 09 :
And Lauren Levy, a quick final thought.
SPEAKER 13 :
To tag along with Karen, I think we always say you need to work with someone you can trust. So if you need financing on a home, I would suggest to give us a call. Even if it’s with a builder, we’ll tell you if we can’t meet that deal and just you’re in a good spot. We’ll always be honest and can help you navigate these choppy waters, especially with things going on with the rates all the time.
SPEAKER 07 :
Yeah. And that number? 303-880-8881. Well, it is an honor to get to work with both of you, and I greatly appreciate you. Our quote for the end of the show is from Confucius, says this, all the darkness in the world can’t put out the light of one candle. 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 10 :
To the rain in lightning Wandering out into this great unknown And I don’t want no one to cry But tell them if I don’t
SPEAKER 18 :
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.
