KLZ 560 AM DENVER'S CONSERVATIVE HOME STATION
Menu
As surveillance technology advances, the line between security and privacy becomes blurred. This episode explores the implications of enhanced surveillance systems and the challenges they present. We also address the ongoing debate of force versus freedom, contemplating how these themes influence everyday governance and individual liberties. Tune in for insights that aim to dissect these complex topics, offering both understanding and solutions to navigate them.
SPEAKER 02 :
It’s the Kim Monson Show, analyzing the most important stories.
SPEAKER 11 :
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 11 :
Under this guise of bipartisanship and nonpartisanship, it’s actually tapping down the truth.
SPEAKER 02 :
Today’s current opinions and ideas.
SPEAKER 11 :
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 11 :
Indeed, let’s have a conversation, and welcome to the Kim Monson Show. Thank you so much for joining us. You each are treasured, you’re valued, you have purpose. Today’s drive for excellence, take care of your heart, your soul, your mind, and your body. My friends, we were made for this moment in history. And thank you to the team. That’s Producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Teresa, Amanda, and all the people here at Crawford Broadcasting. Happy Monday, Producer Joe. Happy Monday, Kim. And check out our website. That is kimmonson.com. You’ll find recaps and podcasts of the show there. While you’re at the website, make sure you’re signed up for our weekly email newsletter that goes out on Sundays. It highlights our upcoming guests as well as our most recent essays. You can email me at kim at kimmonson.com. The text line is 720-605-0647. So keep those cards and letters coming. I like to hear from you. And 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. If something’s a good idea, you should not have to force people to do it. And it’s not compassionate. It’s not altruistic to take other people’s stuff, whether or not it’s their rights, their property, their freedom, livelihood, opportunities, childhoods, lives via force. And force can obviously be a weapon, but it’s policy, unpredictable and excessive taxation, fear, coercion, government-induced inflation, and then this agenda of the World Economic Forum and the globalist elites playing out through the United Nations, this Colorado governor, and then land use codes and a variety of different things, zoning regulations, all that kind of stuff. Remember, if something’s a good idea, you should not have to use force to implement it. Our word of the day is insulated. And it could be, number one, to cover, line, or separate with the material that prevents or reduces the passage, transfer, or leakage of heat, electricity, or sound. It could be, number two, to place in an isolated situation or condition or to segregate. And so this is a new word. I think that as we were prerecording with Jay Davidson came up with this. But bureaucrats, we’ve talked about them. being unaccountable and unelected. But they are also insulated from responsibility. So bureaucrats are insulated, unaccountable, and unelected. And your challenge is to use the word insulate or insulated in a sentence. Today it’s spelled I-N-S-U-L-A-T-E-D. That’s insulated. Insulated. Our quote of the day is from Louisa May Alcott. She was born in 1832. She died in 1888. She was an American novelist, short story writer, and poet best known for writing the novel Little Women in 1868 and its sequels Good Wives in 1869, Little Men in 1871, and Joe’s Boys in 1886. She was raised in New England, and she grew up among many well-known intellectuals of the day, including Margaret Fuller, Ralph Waldo Emerson, Nathaniel Hawthorne, and Henry David Thoreau. And encouraged by her family, she began writing at an early age. And I did read all of those books when I was a child and set in the Civil War, really interesting books. But she said this, I am not afraid of storms, for I am learning how to sail my ship. Getting over here to headlines. First of all, I wanted to say thank you to Laramie Energy for their goal sponsorship of the show because it is reliable, affordable, abundant, and efficient energy that powers our lives, fuels our hopes and dreams, and empowers us to change our own personal climate. And that reliable, affordable, abundant, and efficient energy comes from coal, natural gas, and oil. And so thank you to Laramie Energy for… the lights and the air conditioner and all of that stuff to change my own personal climate. So next thing, probably the biggest news, is this bombing of the Iranian nuclear plants. And pretty big deal. I know I kind of stopped me in my track to think that American bombers had bombed these Iranian nuclear facilities and talked to a variety of people. And I would say overall, everyone said this needed to be done. And Iran is a terrorist state, and they have continually said they want to wipe Israel off the face of the earth. They don’t like the United States very much either. And so it had to be done. It was a pretty impressive operation. operation. But several headlines, and then I wanted to mention from the New York Post, they detailed the mission, which is pretty fascinating. But it says, the U.S. urges China to to stop Iran from closing the Hormuz Strait. Yeah, Hormuz, I think that’s straight. I think that’s how you say that. And about 20% of the world’s oil goes through there. And now that the U.S. has taken out the nuclear, those three nuclear facilities in Iran, they say that they want to close the Hormuz Strait. Next thing, the Trump administration briefed top Republicans before the Iranian strikes, but not the Democrats. But they did brief them shortly thereafter after the mission. And, of course, Trump is taking some heat for not briefing Democrats. But connect the dots from the Democrat Party. It was Jimmy Carter. who pushed the Shah to be pushed out of office back in the 70s in 1978. And that opened up the opportunity for the Ayatollahs to come in to fill that void. The Ayatollahs are not nice whatsoever to the Iranian people, and they are radical activists, extremists. And so that was with Jimmy Carter. Then we know that Obama sent pallets of cash to Iran. I know there are those that say, well, that was their money. But all of that cash then was used to push terrorism throughout the world as well. And also between the Biden-Harris administration, things were relaxed so that Iran could, what is it, purify the uranium more so that it could get to a point instead of for nuclear facility, energy facilities, that it could become nuclear weapons. So why on earth would Donald Trump let the Democrats know beforehand what was up? Because they very possibly would have let the Iranians know from what we can see is happening out there. Let’s see. It says we may see an increase in our energy prices, our gas prices as well. We’ll have to see. what happens with that but this is from the New York Post I found this just really interesting it says the B-2 bomber pilots had a toilet microwave and cooler for snacks on their 37-hour bombing raid I did not realize it was 37 hours and they left from Missouri and this says a fleet of advanced American bombers originally designed to drop nuclear bombs on the Soviet Union took off from Whiteman Air Force Base outside Kansas City on Friday for an 18-hour ride across the world, refueling several times in midair. For such long trips to be bearable, the high-tech bombers have their cockpits outfitted with mini refrigerators and a microwave oven to keep their crew fed and alert. Says there’s enough room for one pilot to lay down and rest while the other flies the Batwing jet. The B-2 first entered service in 1997. Each one cost more than $2 billion. The U.S. Air Force has a fleet of 19 after losing one in a crash in 2008. And it says, as I look at the map, as they were going across the Atlantic, they had three B-2 bombers fake out and go west towards Guam. Excuse me, Guam. It says the seven B-2 bombers deployed for Operation Midnight Hammer flew in near-complete radio silence, with their two-man crews taking turns to sleep during the tense night. It says the 37 hours spent to attack these nuclear facilities marked the longest B-2 bomber mission since the initial American assault on Afghanistan following the September 11, 2001 terrorist attacks. It says pilots for these types of aircraft are trained to endure long, grueling flights with past crews bringing cots aboard and even full camping pads. And it says they did not spend the entire mission alone. There were a fleet of fighter jets and support aircraft deployed to meet up with the B-2s as they approached Iran. This was a very complex mission, and the fact that they were able to go in – do the mission, and then come back out and go back to Kansas City, the heartland of America. It’s pretty amazing. And so congratulations to them. I know that we all are concerned about what this means from a geopolitical standpoint, but I do think that it’s something that needed to be done. But I want to talk with Jody Hinzey with Mint Financial Strategies. We’re in a world that a lot is going on. Jody, welcome to the show.
SPEAKER 12 :
Thank you, Kim. Yeah, I was listening to some of those stories about the mission, too, and it’s just amazing the technology and the strategies that we implemented over the weekend. I was impressed.
SPEAKER 11 :
I was impressed, too, Jodi, because of all the interviews I’ve done with America’s Veterans Stories and these different missions, and I’ve interviewed a bunch of World War II pilots. To think they left from Kansas City… flew 18 hours across the world and did refueling in the air, and they were able to do it without anybody knowing, I find remarkable.
SPEAKER 12 :
I totally agree. I mean, I can’t believe they didn’t get one shot off. I was listening. They didn’t have any pilots in the air. It was amazing. It truly was.
SPEAKER 11 :
And I think it was necessary. It’s pretty amazing. But with that, how does that affect everyday people? And finances is so important. We talk about economic freedom on a regular basis. That’s what you specialize in. But when things are in flux like this, what do you recommend for people?
SPEAKER 12 :
Yeah, I expect probably a few calls probably this week for people just a little bit nervous about what this is going to mean long term, especially if it escalates beyond just this weekend. And people just get fearful around what type of volatility we might see. And we really might see some volatility in the markets as a result of this. So I just recommend doing a financial checkup if you haven’t done one already with your financial advisor. You know, meeting with your advisor ensures that you do have a plan that’s hopefully well-structured and maybe even insulated against market volatility or changes that we might see. So we typically recommend that you meet with an advisor one to two times per year just to review your plan, make any changes, or tweak any adjustments that might need to happen as a result of the volatility.
SPEAKER 11 :
Well, that just seems like good advice. And I have to congratulate you. You do such a great job of using the word of the day. That’s well done.
SPEAKER 12 :
I try. My family who listens in to your show, if I don’t use it, they’re always texting me after the show. If they missed it, they’re always like, what was the word of the day? And so I always try to make sure to incorporate it in our conversation.
SPEAKER 11 :
Well, I love that. And Jodi, what is the best way for people to reach you? Because everything that you say makes so much sense on a journey to get to economic and personal freedom.
SPEAKER 12 :
Yeah, so best way to get a hold of me is to just call the office or text line, which is 303-285-3080. That’s, again, 303-285-3080. Or you can check us out on the website. Our website is mint.com. FS for mintfinancialstrategies.com. So mintfs.com. Okay.
SPEAKER 11 :
Jodi, keep up the great work. We will talk to you next week. Thanks, Kim. Have a great day. Super awesome. I’m just so impressed with what Jodi Hensley does with Mint Financial Strategies. Another great sponsor of the show is the Roger Mangan State Farm Insurance Team, and they want you to feel safe and well-served with all those unknowns out there. They want you to understand your insurance coverage, know their office will respond to your call or text 24 hours a day. So for that 24-hour peace of mind, call Roger Mangan at 303-795-8855. Like a good neighbor, Roger Mangan’s team is there.
SPEAKER 18 :
Car thefts, hail storms, and uninsured motorists are presenting unique insurance challenges for everyday hardworking Coloradans. The Roger Mangan State Farm Insurance Team knows that when you need to make an insurance claim, financial strength matters. State Farm consistently receives high marks for the company’s financial condition and ability to pay claims. For that peace of mind, to know that you are working with a financially strong company, contact the Roger Mangan team now at 303-795-8855 for a complimentary appointment to assess your insurance coverage. That’s 303-795-8855. Like a good neighbor, State Farm is there.
SPEAKER 09 :
The Second Amendment was established to ensure that all individuals have the right to resist oppression, stand firm against government overreach, and protect our ability to defend ourselves, our families, and our freedoms. Today, that right is under relentless attack in Colorado. Colorado’s premier grassroots Second Amendment organization, the Second Syndicate, is on the front lines, fighting to preserve and protect your constitutional rights. We expose the most pressing threats to the Second Amendment and provide the education, resources, and tools to stay informed, empowered and prepared. Join the movement. Protect your rights. Visit the second syndicate dot com. That’s the second syndicate dot com, where the second is first.
SPEAKER 20 :
There’s so much noise coming at us. Sometimes it is difficult to make sense of it all. How can you sift through the clamor for your attention and get to the truth? The Kim Monson Show is here to help. Kim searches for truth and clarity by examining issues through the lens of freedom versus force, force versus freedom. Tune in to the Kim Monson Show each weekday, 6 to 8 a.m. with encores 1 to 2 p.m. and 10 to 11 p.m. online. On KLZ 560 AM, KLZ 100.7 FM. The KLZ website, the KLZ app, and Alexa. Play KLZ. Shows can also be found at KimMonson.com, Spotify, and iTunes.
SPEAKER 07 :
Focused and wise marketing. is essential for your success especially during tough economic times if you love the Kim Monson 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 Kim Monson calm 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 KimMonson.com.
SPEAKER 11 :
And welcome back to The Kim Monson Show. Be sure and check out our website. That is KimMonson, M-O-N-S-O-N.com. Sign up for our weekly email newsletter. You can email me at Kim at KimMonson.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. The sponsor of this show is Hooters Restaurants. They have five locations across the country. Loveland, Aurora, Lone Tree, Westminster, and Colorado Springs, and how I got to know them. Important story about when I was on city council, and that is freedom and free markets and capitalism versus PBIs, those politicians, bureaucrats, and interested parties. Kurt Gerwitz was in the studio on Friday, and we always like to go over to the Hooters restaurants that’s close by for lunch, and we did. And I tell you what, those nachos are just pretty darn good. So, again, check that out. Five locations, Loveland, Aurora, Lone Tree, and Westminster in Colorado Springs. On the line with me is Mike Rolick. He is a very active citizen and watchdog and wanted to get an update on what he is paying attention to. Mike Rolick, welcome to the show.
SPEAKER 21 :
Hey, good morning, Kim. How are you?
SPEAKER 11 :
I am well. So let’s jump in here. What have you been up to?
SPEAKER 21 :
Well, you know, first and foremost, just had sat on the Wildfire Matters Review first meeting for the season. And not a lot to report back, but it is interesting that Xcel Energy has touted the fact that they’re going to triple their cameras for Pano AI. So that would bring it up approximately from 40 up to about 120 or so. And the last figure that I had seen said that they could surveil about 1.5 million acres in the state. So tripling that could also then bring it up into the 4.5 to 5 million range. So it is an interesting situation there. There’s also another fire protection kind of a cooperative that was also talking, and they were looking at advanced solutions as well, including using camera technology also. So even though the bill lost in the Senate this year, it is interesting how just private entities are picking up on this. So now you’ve got a private entity putting up these cameras, selling the real estate, so to speak, to another private entity, Pano AI, and then the government is becoming the consumer of that, and then we are the surveilled. So it is an interesting situation going on there, for sure.
SPEAKER 11 :
So the bill did not pass. However, they’ve done a workaround anyway. Is that the bottom line?
SPEAKER 21 :
Well, it would seem so. Xcel Energy obviously is… very adamant about protecting their own transmission lines. They discussed a lot about liabilities for wildfires that start on transmission lines as well during that meeting. So yeah, they have a vested interest in protecting their assets. However, when you think about these cameras that go 10 to 20 mile zoom in a 360 degree radius, Douglas County also was able to partner with Pano for the Bear Creek fire just recently. So these cameras are being used in a blend between public and private at that point. So that’s an interesting situation there as well. Yeah, it was the Bear Creek fire in 2024.
SPEAKER 11 :
So did they detect that fire because of the cameras?
SPEAKER 21 :
Yeah. Mike Alexander from Douglas County Sheriff’s Office at Early Detection Technology and Actionable Data provided our crews with the critical information they needed to assess the situation and to deploy a rapid response. But these particular cameras, one was installed for Xcel Energy and one was installed for something called CORE, which would be the Colorado Electric Cooperative, I believe. So, yeah, these are being installed for private entities. and used by public entities. And really, there is no, I guess, no need at that point for that Senate Bill 011, when you really think about it.
SPEAKER 11 :
Interesting. Okay, Mike, I’m so concerned about all of this surveillance. And I’m coming up with a question. Is there a way that we can own our own data? And so catching a fire early would prevent loss of property, loss of life. We like that.
SPEAKER 05 :
Yeah.
SPEAKER 11 :
However, this surveillance is of significant concern. How are you matching that up in your mind?
SPEAKER 21 :
I don’t quite know because, you know, you’ve got this situation where you have a reasonable expectation of not having privacy out in the public world. I know the Electronic Frontiers Foundation, I think they filed an amicus brief on a case, U.S. versus Michael Vargas. And that was going over situations where he thought he had a reasonable expectation of privacy in his own front yard in a rural context, not obviously along a city street. It looks like Vargas had won that. So there might be some precedent for privacy in your front yard. in, say, a rural setting, which I hope would extend to the backyard. Remember, Pano AI, they’ll pixelate your house, but they don’t have any lot line blurring or what have you as well. So the rest of the private land outside of the curtilage in the house would therefore be viewable. They’re not supposed to use it for other purposes, but… We don’t have a public portal like a watchdog portal to see exactly what is being picked up on panel AI. We’re just being told what’s being picked up. And being a private entity, there’s really no way to put a FOIA request in, a core request, what have you.
SPEAKER 11 :
So it’s very difficult to know. Wow, okay. Okay, we’ve got to ruminate on this one then. I don’t quite know what to think on that. What’s going on out in Jeffco?
SPEAKER 21 :
Well, you know… Jefferson County is interesting. They’re looking at hitting the compliance goals for the HB 1313. They sat in on a meeting discussing the transit-oriented communities and housing opportunity goals, and they have to have their preliminary report in by June 30th and the final report by December 31st of 2026. So that’s really something to watch. And, you know, since we talked as well, I kind of went a little bit more down the YIMBY rabbit hole and kind of want to.
SPEAKER 11 :
Which is yes in my backyard, right?
SPEAKER 21 :
Absolutely. And it’s a very interesting situation because YIMBY is being supported by billionaires. There is a group called Open Philanthropy. Right now their CEO is Alexander Berger, but they were also co-founded by Dustin Moskovitz. who’s a Facebook co-founder and a very young billionaire. Kudos to him for his success. But he then turns to open philanthropy, and they’ve been one of the early supporters of the YIMBY movement.
SPEAKER 11 :
And what is it? Two things. It’s open philanthropy. Is that the name of it?
SPEAKER 21 :
Yes.
SPEAKER 11 :
Okay. And then what is the YIMBY movement?
SPEAKER 21 :
Basically, trying to pave the way for increased densification. Because yes, in my backyard, you can think of accessory dwelling units. You can think about reducing what they call excessive housing regulations that are not permissive enough to allow for dense growth. And I’ll sum it up with this. These are two of their tenants from their website. The Abundance and Growth Fund is putting $120 million in the next three years, and it was just announced in March of 2025. And it says the fund represents an exciting opportunity to expand upon our existing grant-making and housing policy and that we seek to reduce the harms caused by excessively restrictive regulations on local housing and that also local laws often prohibit the construction of dense new housing which has contributed to the rising housing prices and lower affordability. They go on. And this is kind of where we really kind of dig into what’s going on here. They say redistributing wealth and income to lower-income households and supporting access for housing for lower earners. There’s that word redistributing.
SPEAKER 10 :
Mm-hmm.
SPEAKER 21 :
And so it becomes interesting when you start saying, OK, you’ve got a group that is kind of using our own arguments against us, reducing regulations. A good thing. Right. More free markets are good things. But then they turn it into redistributing wealth.
SPEAKER 11 :
Well, boy, they’re brilliant, aren’t they?
SPEAKER 21 :
I would say they go on to tout their successes and saying ADU reform in California and Seattle. So someone could say, well, it’s my land, my backyard. Why can’t I build an ADU? And again, we’ve gone over that when we had that big talk with Natalie Menton. Can zoning actually be protective of freedom? In certain cases, I certainly believe it can be. They go on to talk about housing in commercial corridors in California and removing parking mandates near transit. We see that here two years ago. Colorado passed that HB 241304 that says there can no longer be a minimum parking requirement for multifamily. So, Arvada, Jeffco, what have you, if there’s a multifamily being built in certain cases right now, they can’t say you need to have, say, 1.7 parking spaces for each two-bedroom unit. It’s just not possible anymore. So, that is being sued over as well. That’s one of the ones that’s being challenged in court.
SPEAKER 11 :
And that is on that House Bill 1313. That’s House Bill 241313, right, Mike?
SPEAKER 21 :
241304 is the parking, and 1313 would be the transit-oriented communities. There’s two of them in that same lawsuit.
SPEAKER 10 :
Okay. Very good. Okay.
SPEAKER 21 :
Okay. So in the one last focus area on this one, if you have time, one of the grants they’re pushing is a center for building in North America. And this is a group that is pushing – single staircase apartments uh for apartments you know hold on just a second mike something happened with your uh phone just make sure that you have your your um you’re close to the microphone cut i couldn’t quite understand what was this again oh okay sorry about that um they they gave a 500 000 grant to this place called the center for building in north america one of their big pushes is to helped push legislation state by state for single staircase apartments up to six stories tall. And we saw that in Colorado where they literally wanted to have a single point of entry law for buildings up to six stories tall. And this was sponsored by Andrew Basenaker, Alex Valdez, and Kevin Priola.
SPEAKER 11 :
And that passed. Didn’t that pass? I remember seeing that.
SPEAKER 21 :
It ultimately failed because the Firefighters Associations came out and said this is exactly against Our interest is in safety.
SPEAKER 11 :
Okay, okay. I remember seeing that bill.
SPEAKER 21 :
Yeah, they did end up pushing this in British Columbia. They’re pushing it in California, Oregon, throughout Washington. They tried it in Texas, Montana, even Wyoming, Minnesota. So when you see these grants happening and you see these laws come up, it is interesting when you start connecting the dots. This is a nationwide movement. But why? It’s very well funded and coordinated.
SPEAKER 11 :
It does seem less safe. Why? Why, why, why? I don’t get it.
SPEAKER 21 :
Well, because it reduces construction costs, so they’re saying. And so therefore, you can add density into more spots. And they also talk about maybe a second set of windows because you’re reducing, you know, staircase space on an outer wall, what have you. But in general, I just hearken back to the fact that they talk about redistributing to lower income. My hope is instead of that, you audit the Fed, you figure out what happened with bad fiscal policy and what drove housing prices up so high in the first place, and that we focus on human excellence and people having more success, not looking and saying, well, some people might make less, we have to give them a substandard housing. I don’t see how that’s freedom. But I would say, how do we lift people up? How to give more choice as far as their economic futures? And they can buy what they want.
SPEAKER 11 :
I absolutely agree. Mike Rolick, thank you. We will look forward to your next update very, very, very soon. And thank you for being such a watchdog on this. This is so important. Well, thank you, Kim.
SPEAKER 21 :
Have a great day.
SPEAKER 11 :
Wow. Wow. Good work, Mike Rolick. And I know I’m excited. She’s going to be in studio this next hour to talk about a bunch of this housing stuff. And that’s Karen Levine. If you’re buying a home or selling a home, looking at a new build, you want her on your side of the table.
SPEAKER 01 :
Award-winning realtor Karen Levine with RE-MAX Alliance understands the importance of home ownership. Karen Levine works diligently at the local, county, state, and national levels to protect your private property rights. With over 30 years experience as a Colorado realtor, Karen Levine will help you navigate the complicated metro real estate market, whether you are buying your home, selling your home, considering a new build, or exploring investment properties. Kim Monson highly recommends Karen Levine call Karen Levine at 303-877-7516 that’s 303-877-7516 for answers to all your real estate needs
SPEAKER 22 :
A serious accident or a life-changing injury can leave you with seemingly insurmountable physical, emotional, and financial challenges. How will you be able to afford your medical bills? What if you can’t return to work? The attorneys at Bozen Law understand the immense stress you are under and want to help. Bose and Law’s attorneys have decades of experience helping people like you navigate some of the most difficult times in their lives. Bose and Law can provide the guidance and support you need to get back on your feet. Call Bose and Law now at 303-999-9999 for a complimentary appointment. That’s 303-999-9999. Don’t delay.
SPEAKER 06 :
When you’re looking for a premium quality painting experience or professional temporary outdoor lighting, call our friends at Radiant Painting and Lighting. The owner, Karen Gorday, spent over 20 years in the customer service industry. She and her experienced professionals will treat your home as if it were their own. and take great pride in their work. They only deliver excellence. When giving your home a beautiful new paint job, they use premium caulk and paint and will always deliver what they say. They don’t just enhance your space, they transform it. When you want excellence, call Radiant Painting and Lighting at 720-940-3887.
SPEAKER 17 :
All of Kim’s sponsors are in inclusive partnership with Kim and are not affiliated with or in partnership with KLZ or Crawford Broadcasting. If you would like to support the work of The Kim Monson Show and grow your business, contact Kim at her website, kimmonson.com. That’s kimmonson, M-O-N-S-O-N dot com.
SPEAKER 11 :
And welcome back to The Kim Monson Show. Be sure and check out our website. That is kimmonson.com. Sign up for our weekly email newsletter. You can email me at kimmonson.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 think a fun day… A great day would be to go down to the Center for American Values in Pueblo, take the kids down now that they’re on summer break, and just go down and visit the portraits of valor of all these Medal of Honor recipients and talk about the stories of these different wars and battles. I think it’s so important. And, of course, the Riverwalk is so cool down there in Pueblo. You can get more information about the center. They’re nonpolitical. They’re nonpartisan. but focused on these foundational principles of honor, integrity, and patriotism. And somebody that I got to go walk around on the Riverwalk with down in Pueblo is Yvonne Paez. Yvonne, welcome to the show. Good morning, Kim. Thank you so much for having me this morning. Well, it’s good to have you. And you do a lot of different things. You are a co-founder of Perspectives 101. So let’s talk just a little bit about that.
SPEAKER 14 :
Sure. Perspectives 101 is basically just a civic organization that brings people together in northern Colorado, and we bring presenters to discuss a whole bunch of different topics so that people are informed about what’s going on in our communities, in our state, in the country, in the world a little bit. And we do that free of charge because we believe information should have no barriers. So it is a nonpartisan organization, so anybody is welcome to come and get information, and that’s what we do.
SPEAKER 11 :
And how can people get more information?
SPEAKER 14 :
They just need to email perspectives101.info at gmail.com.
SPEAKER 11 :
That’s perspectives101.info at gmail.com. So a hat that you have put on, Yvonne Paez, is one of the Protect Kids Colorado. You and I are both so concerned about this really assault upon our children by the radical activists here. And we want our kids to be able to be kids. And we want girls to be girls and boys to be boys. And so you’re doing some good work with Protect Kids Colorado regarding some ballot petitions. Tell us about this.
SPEAKER 14 :
Right. Well, based on a bunch of different bills that have gone through that are not good for children and they’re not good for parents and they attempt to strip the rights of parents to take care of and protect their children. Parents in Colorado have basically found no other option than to try and unite and organize so that they can put some initiatives on the ballot in order to be able to protect kids. And there are three that are currently the ones that are going to be on the petitions and one of them is basically to protect kids from child sex traffickers and another one is to keep girls sports for girls because that’s you know kind of in flux right now and it should be a no-brainer that’s the whole reason we started a separate category for women in sports and now it’s you know everything’s getting muddled and we’re going backwards rather than forwards and The other one is to keep children from having to undergo serious surgical procedures that are irreversible in this sex change scenario until they’re at least 18 and old enough to make that decision. And that’s another no-brainer. I mean, kids can’t get a beer. They can’t get a tattoo. They can’t go in the military even under the age of 18. So it’s a real no-brainer. Those are serious decisions. And now that this has been going on for a little while, we’re starting to see what the real repercussion of some of this crazy ideology, because, you know, I’m not even going to, you know, there might be very small percentages of the population where something’s going on, where maybe something You know, it’s got to be done. But most of this is a social contagion. And what the fallout from it is basically that kids that have gone down this road then regret it and they find themselves in an irreversible position. And when that happens, then they’re extremely unhappy and that can lead to them wanting to perhaps even take their lives if they understand what they’ve done to themselves and know that there is no way to go back. So all we want to do, this is not anti-anything. This is just in protection of the children so that they can make these decisions once they’re over 18, they’re a little more mature. And there’s a lot of government interference there trying to drive that wedge between the parent and the child. and stuff around here, and that’s got to stop. Parents have had enough, and we are actually going to see the largest uprising of parents in Colorado in defense and protection of their children that Colorado has ever seen. So they need to brace themselves.
SPEAKER 11 :
Okay, a couple of things. I was reflecting on the conversation that you and I were going to have this morning yesterday when I was at church. I had never really noticed this, but you’re looking forward and there was couples in front of me. And Men and women are made differently. Shoulders are broader for men. Shoulders are, you know, much slimmer for women. And I just looked at that. I thought there is a physical difference here. So the idea that men could be in women’s sports, boys could be in girls sports. is crazy. And so the fact that one of these ballot petitions is to keep girls in girls sports and boys in boys sports and then co-ed in co-ed sports just makes sense. So you are really heading up the petition gathering drive on all this, yes?
SPEAKER 14 :
I am. So anybody within the sound of my voice who understands that parents have a right and a responsibility to protect their children just need to go to protectkidscolorado.org and sign up to be a volunteer. And we’ll connect with them, and we will explain what exactly we’re doing. But I mentioned it was three initiatives to be put on the ballot for next year’s. So we would do the signature gathering this fall and summer and fall, and then the initiatives would go on the ballot for next year in 2026 for the voting process. And that’s what we’re involved in doing. And the response is amazing. And I can tell you out there, parents, the movement is so huge. You do not want to later find out that this was going on and you missed a chance to be a part of it because this is Colorado parents speaking up.
SPEAKER 11 :
Okay, so the petitions, how many signatures will people need to get on each petition?
SPEAKER 14 :
The positions are really quite simple. You gather signatures from your circles of influence and friends, or you can go to your church or wherever you want to gather signatures. And it’s really, really simple. I started by just being a volunteer once and then realized how easy this was and decided to get more involved. And that’s all they have to do. And it’s only 40 signatures per petition packet. So, I mean, most people’s circle of influence plus a few more is that. And here, I’m going to tell you something interesting. On that first initiative for no child sex trafficking, and for there to be punishment, serious punishment for anybody who does this, like jail with no possibility of parole, that one, because they did try to figure out how much support there was for these, and there’s tons of support. But for that one, there’s like 90% support. And I mean, I’m sorry, this is not funny, but you know, you almost have to find it somewhat humorous. Well, who’s the 10% who doesn’t support that? And I’m just thinking, well, it’s those that are trafficking the children and those who are harming the children. That must be, I’d hate to think that there was such a large contingent, but I guess there’s two fence sitters there too. But yeah, I mean, who would not support not harming children in that way? That is the most grotesque way in which a child can be harmed.
SPEAKER 11 :
Okay. Again, more information to get – oh, you know what? Let’s talk about some more of the details when we come back. I’m talking with Yvonne Paez. She’s the co-founder of Perspectives 101, and she is heading up the petition gathering component. for these potential ballot questions. Really, really important work. And I thank her for doing that. We have these discussions. And he’s going to be in studio this next hour as well. And that’s Lorne Levy regarding everything mortgages.
SPEAKER 16 :
That’s 303-880-8881. Call now.
SPEAKER 20 :
Do you strive for excellence as you work with your clients and customers? Does it make sense for you to add a unique and focused branding opportunity to your marketing portfolio? Would you like to access a broad customer base that loves our country and wants to make life better for ourselves, our neighbors, our colleagues, our children and our grandchildren? Then you may be a perfect fit as a sponsor or partner of The Kim Monson Show. To learn more, reach out to Kim at kim at kimmonson.com. Kim would love to talk with you. Again, that’s kim at kimmonson.com.
SPEAKER 13 :
Trouble doesn’t knock. It just enters. Will you be ready when it shows up? At Franktown Firearms in Colorado CQB, we don’t just talk about safety. We train for it. Our brand-new 2,500-square-foot indoor shoot house gives you the chance to experience realistic close-quarter scenarios in a safe, controlled, non-lethal environment. You’ll learn how to move with a firearm, clear rooms, and make smart decisions under stress. all with expert guidance from defense professionals. Whether you’re brand new or an experienced shooter, these are the skills that protect you and your family when it matters most. This isn’t tactical theater. This is practical training for real people. And for a limited time, we’re offering an introductory rate of 50% off your training experience, saving you hundreds of dollars. Don’t guess how you’ll react in a crisis. Train for it. Go to klzradio.com slash franktown to take the first step toward real confidence. Colorado CQB, real training for real life.
SPEAKER 11 :
And welcome back to The Kim Monson Show. Be sure and check out our website. That is kimmonson.com. Sign up for our weekly email newsletter. You can email me at kimmonson.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. Yvonne Paez is on the line with me, and she is a co-founder of Perspectives 101. You can get more information about them by emailing her at perspectives101.info at gmail.com. Yvonne, you are a former captain in the Army, right? Right.
SPEAKER 14 :
I am so glad you mentioned that because I just wanted, I mean, not that I was a captain, but that I was in the military because I really, really wanted to address what happened. And I was just going to jump in and say, can I just say something? So thanks for opening with that. And, yes, having served in our military, I can’t tell you, I am so, so proud of our Air Force and other military partners for a flawless execution today. of the surgical strikes that were so necessary. And, you know, the fact that they are so good and can do it with such precision while insulating civilians from harm, I think that is so important. I mean, it’s so hard to have to do these things, which had to be done. But when we have to do such a thing, we really do not want to harm civilians as best as possible. So I’m just so, so proud of them. There’s only one way to deal with bullies, and unfortunately they did bring this on themselves by lying, by not honoring the agreements from the nuclear stuff, and we won’t get into all of that. But it had to be done, and I’m also very proud of having a president who is decisive and who would do what needs to be done when it needs to be done to avoid so many other problems. things down the line. You know, sometimes when you do this, other things happen, but, you know, like one guy said, well, damn the torpedoes, because what happens when you don’t stand up and do the right thing is always worse.
SPEAKER 11 :
Yvonne, you and I have had lots of conversations, and you’re always thinking two, three, four steps out in front of things. As I was talking with Jody Hinzey, and we were commenting on the reports that we’ve seen regarding this mission, which is super impressive. question, though. How is it that the fighters and the refueling planes were not detected by the enemies? I just thought about that as I’m looking at this map here. How did that happen?
SPEAKER 14 :
You know, I wish I could answer that. I was in Air Force, but we did work on one of our missions when I was in was to protect a small island from incoming problems because we were working on very, very sensitive things there, and we had radars, and I do know some of the ways that we attempt to detect things and some of the ways we worried that people could, shall we say, do other things that would even help them be undetected. So the people who work that kind of stuff, they know exactly where that fine line is, where you could be detected and not, and I really don’t have the expertise to speak on that other than the fact that I saw the people in those rooms working it so that we on the ground could be prepared. So, yeah, that’s definitely out of my… area of expertise, the details, and I don’t even know how many details the people who know about that would give you.
SPEAKER 11 :
Right, right. Okay, okay. Boy, that even makes it more interesting that they were able to make all of that happen. That’s pretty fascinating. I want to mention the USMC Memorial Foundation, Yvonne. As you know, that’s one of the nonprofits that I support, I dearly love, and And the official Marine Memorial is right here in Golden, Colorado. And I’ve gotten to know so many of the different Marines through Cooper’s Troopers and Paula Sarles, who’s the president. And I would really recommend during this Independence Week that’s coming up for Independence Day to get some monetary support over to the USMC Memorial Foundation. It’s a way to honor those that have given their lives and been willing to give their lives for our freedom. But I was challenged. I got a challenging email from a listener that said, why do you always talk about the Marines? What about the Army? Of course, Drew Dix, Medal of Honor recipient, is Army, your Army. And I thought, well, I so respect all of you, but thank you to the Army. They just had their 250th birthday. A lot was happening 250 years ago, 1775. So I am so appreciative. of all of our service men and women. And so wanted to make that distinction there, Yvonne Paez.
SPEAKER 14 :
Yeah, no. And, you know, we’re all part of one big military family. And I know you speak a lot about the Marines because they, you know, their monument is right there in Golden, Colorado. And I’ll have to tell you, when I first came from Mexico, I, back to my country, not knowing what being an American was, I came to Golden, Colorado. And that monument had been there for a little bit, but not that long now. It’s been there a lot longer. And I always just kind of marveled at it. It used to be sitting out in the middle of nowhere. Of course, the city grew around it. But it always meant something to me. And I wonder if just seeing that and And a lot of other things isn’t what propelled me to, one, understand the country that I’d been taken away from as a little child and then brought back to, and then that sense of wanting to serve my country. So I think it’s important to have these monuments that honor great people.
SPEAKER 11 :
I agree. And those great people are everyday Americans that step forward when asked to put their lives on the line or give their lives for our liberty. So with that, Yvonne, you and I both care deeply about our children. And let’s move back over to ProtectKidsColorado.org. People can get more information about this. But things are really going to start to ramp up. These questions have gone through the title board. They’ve been approved. And then those that don’t want these ballot questions to be approved by the voters, they have strategies to make it more difficult to get that title onto the ballot. And a strategy is to compress the time frame. in order to get these petitions. So tell us what’s going to happen with all that.
SPEAKER 14 :
Well, you know, a lot of that has already gone through. So they have gone all the way through. The time clock has started. They are imprinting as we speak. And we are getting ready to rock and roll. And I do know a little thing or two about standing up armies. So I am definitely speaking with parents all across the state. It’s exciting to speak to them and to see how concerned they are for their kids and how ready they are to step up and do this as well as their friends. So Colorado, stand by and just watch what parents can do. And parents, please join us by going to protectkidscolorado.org. And I wanted to insert one more thing. We were speaking about the military. Do you realize that coming to Colorado was one of the most sought after, you know, going to Hawaii and going to Colorado are one of the most sought after type of assignments in the military. And it has gone from that. to it’s like being sent to behind enemy lines. They now are like, please, no, please, no, not Colorado. I have children. And so we are also gearing up with ways to inform military parents who are coming from other places just what they’re walking into, because these kinds of things that are going on in our state prey upon people who don’t know what they’re doing to children and schools and how they’re just manipulating them with information and stuff that It shouldn’t be done. So can you believe that’s now an anxiety thing? If military people weren’t anxious enough about enough things, that just adds more anxiety to military folks being sent to Colorado.
SPEAKER 11 :
That’s so interesting you would mention that. I was talking to someone in a different state who they were recruiting a new employee, and the employee was looking at Colorado and was looking at the other state. And my colleague said, do not go to Colorado. And this is a state that they really absolutely loved. And Colorado, and then I was talking to a young person young person said, you know what, the Denver vibe is gone. And Colorado’s not cool like it used to be because of all this terrible policies. Yvonne Paez, 30 seconds. How do you want to wrap this up?
SPEAKER 14 :
I just want to wrap this up. It just didn’t happen by coincidence. It was done by the people, the crazy people, some of the crazies that are down in the Capitol. And it is endorsed by the person running this state. And I believe that our governor has interest in moving forward to maybe presidential type of things. And I think the entire nation should know what has been done to Colorado. And they should be informed because then they should not want this done to the whole country. So I think people who have aspirations to be other things might want to rethink what they’re doing here. But time will tell.
SPEAKER 11 :
Well, we’re going to continue to shed light on that. Yvonne Paez, co-founder of Perspectives 101, thank you for all your great work. Again, that’s protectkidscolorado.org for more information. We’ll talk again soon.
SPEAKER 14 :
Thank you. Bye-bye.
SPEAKER 11 :
Our quote for the end of the show is Louisa May Alcott. She said, keep good company, read good books, love good things, and cultivate soul and body as faithfully as you can. 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. You’re not alone. God bless you. God bless America. Stay tuned for hour number two.
SPEAKER 19 :
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 Monson Show, analyzing the most important stories.
SPEAKER 11 :
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 11 :
Under this guise of bipartisanship and nonpartisanship, it’s actually tapping down the truth.
SPEAKER 02 :
Today’s current opinions and ideas.
SPEAKER 11 :
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 11 :
Indeed, let’s have a conversation, and welcome to our number two of the Kim Monson Show. Thank you so much for joining us. You’re each treasured, you’re valued, you have purpose. Today, strive for excellence, take care of your heart, your soul, your mind, and your body, my friends. We were made for this moment in history, and thank you to the team. That’s Producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Teresa, Amanda, and all the people here at Crawford Broadcasting. Happy Monday, Producer Joe.
SPEAKER 09 :
Happy Monday, Kim.
SPEAKER 11 :
And tomorrow, you and producer Luke are going to be our featured guest in hour number two with our book review of The Prince.
SPEAKER 09 :
Yes, ma’am. I’m looking forward to it. It’s always a great conversation.
SPEAKER 11 :
It’s always an interesting conversation for sure. Check out the website. That’s Kim Monson, M-O-N-S-O-N dot com. Make sure you’re signed up for our weekly email newsletter. That’s down at the bottom of the website. You can do that. You can email me at Kim at Kim Monson dot com. And the text line is 720-605-0647. 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 the show comes to you six to eight a.m monday through friday and the first hour is rebroadcast one to two in the afternoon Second hour is rebroadcast 10 to 11 at night. And then after that, you can find everything on Spotify and iTunes as well. In studio with me is Lauren Levy, great sponsor of both the Kim Monson Show and America’s Veterans Stories for a long time. It’s good to have you here.
SPEAKER 03 :
Thanks. I was just wondering if Joe’s going to have time to read that book tonight.
SPEAKER 11 :
Me too.
SPEAKER 03 :
Put some pressure on them.
SPEAKER 11 :
Yeah, we’ve got to figure out which chapters it’s going to be, right? It is. It’s going to be like cramming for college, right?
SPEAKER 09 :
Yes, ma’am. And it’s kind of consistent, though. That’s how I did it in high school, too.
SPEAKER 11 :
Yeah, for sure. And Karen Levine is in studio. It’s great to have you back. In fact, some people have said, where is Karen? I miss her voice.
SPEAKER 15 :
Oh, how kind is that? Well, I had the privilege of visiting the beautiful country of Portugal for several weeks. And I covered it from top to bottom and ate and drank my way through the country.
SPEAKER 11 :
Okay, so you had a great time.
SPEAKER 15 :
It was lovely.
SPEAKER 11 :
So glad that you’re back. But you were working while you were there?
SPEAKER 15 :
I was. I was. I had the privilege of writing some offers for some clientele. And it’s an interesting real estate market here in the metro area.
SPEAKER 11 :
It is.
SPEAKER 15 :
It continues to be challenging.
SPEAKER 11 :
Yeah, we’re going to talk. It seems like it’s always been challenging one way or another. Yep. And so we’ll continue that discussion here in just a moment. Several things. Our word of the day is insulate or insulated. It’s I-N-S-U-L-A-T-E-D. Number one, it could be to cover, line or separate with the material. that prevents or reduces the passage, transfer, or leakage of heat, electricity, or sound. Or number two, to place in an isolated situation or condition to segregate. And I’m using it, I’ve talked about bureaucrats are unaccountable and unelected. They are also insulated from the people. So we’re adding that in. Bureaucrats are insulated, unaccountable, and unelected. Your challenge is to use the word insulate or insulated in a sentence today. Again, that’s I-N-S-U-L-A-T-E-D. Our quote of the day is from Louisa May Alcott. She was born in 1832, died in 1888, and she was an American novelist. She wrote Little Women and the other sequels, which I read all of those when I was a child. And she said this, I am not afraid of storms, for I am learning how to sail my ship. And Lauren Levy, it’s been quite a weekend with the U.S. Air Force, with America, the United States taking out three of these Iranian nuclear facilities. What’s your thoughts on that?
SPEAKER 03 :
My thoughts are I was glad to see it, but it hasn’t had a lot of reaction in my world as far as the market’s been sort of non-reactive today. Same with the bond market. I think it has to do with the fact that the strikes were very targeted. They weren’t random, just trying to obliterate the country. They were just nuclear. And so far, the retaliation hasn’t been much. So far, yeah. So far. So the markets are just hanging in there like normal.
SPEAKER 11 :
Okay. And Karen, you’ve been traveling internationally. Any thoughts on this?
SPEAKER 15 :
Well, it all happened when I got back 48 hours later. And I am married to a Jewish gentleman. And I think both of us felt that we were at a place in history that something needed to happen.
SPEAKER 11 :
Okay. Well, we’re going to continue talking about important things. We’ll talk about this housing market because people’s homes are one of their biggest assets, and the metro real estate market has changed. But we have amazing sponsors such as Lauren Levy and Karen Levine, and I’m really blessed to work with such wonderful people. And we are blessed with amazing sponsors at the Kim Monson Show. One of those great sponsors is the Roger Mangan State Farm Insurance Team. I’ve got Roger on the line. And, Roger, there’s so many different questions about insurance coverage. What’s this that we hear about this Colorado Fair Plan? What is that exactly?
SPEAKER 08 :
Well, you know, there are people who are in high-risk areas like wildfires or floods or floods. tornadoes we the colorado mostly wildfires in our part of the country the fair plan stands for fair access to insurance requirement plan and legislation was passed in 2023 may to set up the plan essentially if you get declined let’s say you live in the mountains and you’re in a wildfire area and your insurance company doesn’t renew you, and so you go out and attempt to get insurance from a minimum three carriers who decline you, then you’re eligible to apply to the state of Colorado fair plan. Now, that fair plan is funded by assessor, actually, what’s the word, getting a contribution from each of the insurance companies who sell homeowners insurance or commercial insurance in Colorado. And the contribution, for example, by State Farm would be premised on their market penetration. And I think our market penetration is 19%. So that’s probably the heaviest penetration in Colorado for homeowners. So state farm would be assessed the dollar amount to build the reserves. So when a claim occurs through the fair plan, it can be paid. And the state is in the process of building up the reserve in that plan as we speak. You can insure a individual property for up to $750,000 and a commercial property under the plan up to $5 million. And it is just getting off the ground. There are about 42 states that have a fair plan. And Colorado, really, it’s advantageous for Colorado because we could see what these other plans did, how they were structured and organized. So you can buy insurance if you get into a desperate situation through this Colorado Fair Plan. But it is not… The plan of first choice. Like I said, you have to get declined by three companies. This is really for exceptional hardship cases.
SPEAKER 11 :
So the homeowner does have to pay a premium if they are accessing the Colorado Fair plan?
SPEAKER 08 :
Absolutely, yeah. And thanks for bringing it up, Kim, because the fair plan policy that you buy as a homeowner is nowhere near as good as the one you can buy in the open market. It is a named peril policy. Specific coverages like fire, lightning, wind, hail, those kinds of things are named in the policy, and the only thing is covered. Whereas most policies are all risk, And everything’s covered except that which is excluded. So the fair plan is, hey, thank God we have it. Thank God you got some insurance. But if you own a $2 million house in the mountains, you can only insure for $750. But it’s better than what we had previously, which is nothing, actually.
SPEAKER 11 :
So are there insurance companies in Colorado that, I guess, refuse to insure homes in certain areas?
SPEAKER 08 :
That’s an absolute yes. Yeah. A lot of companies have pulled out of Colorado totally. And those that have stayed have restricted by zip code areas they will not cover due to natural disasters.
SPEAKER 11 :
Boy, that’s a real conundrum for people that are owning homes here in Colorado now, isn’t it? Absolutely.
SPEAKER 08 :
And I’m not sure how and when we’re going to pull the – they need to get enough policies in the fair plan, of course, to – to test the plan, but they also then need to assess the various companies that sell insurance in Colorado to build up their reserves. So by 2025, the plan is supposed to be effective. So I assume it’s on time. I don’t know that for sure, but we’ll So maybe in the next show I can bring you up to date on where they are relative to their plan.
SPEAKER 11 :
Okay. Always good information, Roger Mangan. And if people would like to set up a complimentary appointment with you and your team, what’s the best number for people to reach you? Call us at 303-795-8855. That’s the Roger Mangan State Farm Insurance Team, 303-795-8855. Like a good neighbor, State Farm 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. That’s 303-877-7516
SPEAKER 06 :
When you’re looking for a premium quality painting experience or professional temporary outdoor lighting, call our friends at Radiant Painting and Lighting. The owner, Karen Gorday, spent over 20 years in the customer service industry. She and her experienced professionals will treat your home as if it were their own. and take great pride in their work. They only deliver excellence. When giving your home a beautiful new paint job, they use premium caulk and paint and will always deliver what they say. They don’t just enhance your space, they transform it. When you want excellence, call Radiant Painting and Lighting at 720-940-3887.
SPEAKER 20 :
Do you strive for excellence as you work with your clients and customers? Does it make sense for you to add a unique and focused branding opportunity to your marketing portfolio? Would you like to access a broad customer base that loves our country and wants to make life better for ourselves, our neighbors, our colleagues, our children and our grandchildren? then you may be a perfect fit as a sponsor or partner of The Kim Monson Show. To learn more, reach out to Kim at kim at kimmonson.com. Kim would love to talk with you. Again, that’s kim at kimmonson.com.
SPEAKER 11 :
Welcome back to The Kim Monson Show. Be sure and check out our website. That is kimmonson.com. Sign up for our weekly email newsletter. You can email me at kim at kimmonson.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 do you want more freedom and confidence with your money? Then Mint Financial Strategies can help. They’re an independent firm with over 25 years of experience. And as an accredited investment fiduciary, they put your best interest first always. With a strategy-first approach, they’ll help you build a plan, that fits your life. So call Mint Financial Strategies today at 303-285-3080. And we talked to Jody Henze in the first hour with Mint Financial Strategies. And I have to congratulate her. She always has been able to use the word of the day. So way to go, Jody Henze. That’s pretty awesome. In studio with me is Lauren Levy for Everything Mortgages and Karen Levine for Everything Residential Real Estate. Wanted to mention a couple of these things. text that came in mark thank you i was talking with roger mangan regarding the state’s fair plan and this is what this is what mark said he said it’s terrible it’s enabling people to live in risking risky areas why should you and i be forced to pay for someone else to live in a risky area very good point and then regarding the mission this operation midnight hammer Eric said this, and I mentioned this in the first hour, the mission, they did some decoys, which they also did during D-Day as well, but said the military forces created a decoy to the enemy to the west, and the I-25B2 warplanes dropped the Operation Midnight Hammer aircraft. the bunker buster bombs by way coming in on the east. And then he says, if you look left, I’ll slap you right. If you go west, then I’ll come in east. What a great mission. Thank you, Eric. And it is pretty amazing, Karen Levine, this mission that they flew 18 hours over there, 18 hours, 19 hours back undetected. I find that amazing.
SPEAKER 15 :
remarkable remarkable and that’s when we need to be reminded that we are blessed to live in a country such as america that is always thinking about how to protect each and every one of us and that that’s really why government was put in place not for all the other sundry things
SPEAKER 11 :
And Lauren Levy, they tried to do this with the minimum loss of life to the Iranians. And I heard that J.D. Vance said, we’re not at war with the Iranian people, but with the nuclear program. Of course, when you use the words, we’re at war, that does bring in the, doesn’t Congress have to declare war? What do you think about all that?
SPEAKER 03 :
I have a very good friend of mine who’s an Iranian-American who’s from Iran. So he’s in his early 50s. He has kids here that are Iranian-Americans. So him and I talk a lot about this type of stuff, especially with the fact that I’m an Israel backer. And he just wants the whole Ayatollah and all them gone. He’s like, we’re going to party over there when this is all over, when Israel takes care of business, if they can finish it. Because the people are… So oppressed. And he’s like, it’s a beautiful country. We’re going to go party on the Caspian Sea and, you know, see what it’s like when they allow women to do what they want to do and the people can say what they want to say. He’s like, it’s a beautiful country and they’re so oppressed if they can just get rid of these people. And so that’s what I’d like to see happen. And I think the fact that we were able to do this mission is a credit to what Israel’s done with their Air Force first to kind of clear the way and get rid of a lot of the targets.
SPEAKER 11 :
Well, and I just did a quick search to see if I could find the amount of loss of life in this Operation Midnight Hammer. And I’m not finding anything quickly, but it was pretty minimal, and it probably would have been Iranian military.
SPEAKER 03 :
Or their nuclear people, but I think that they were able to get them out of there. I read that they had evacuated, but I don’t know. And all I thought about was how many times do you need to go to the bathroom in a 36-hour flight? As a pilot, what do you do?
SPEAKER 11 :
They had a lot of good accommodations. They had toilets on. And a microwave oven. And a microwave oven and a cot. Two pilots. It just is amazing to me what happened with that. And, of course, we don’t know, Karen, what’s going to happen from a geopolitical standpoint. And you traveling internationally, I know you’ve had some great conversations with some of the people there. And what do you want to tell people about that?
SPEAKER 15 :
Well, I think I was reminded the freedoms we do have in America, one being homeownership. In the country of Switzerland, it is very hard to own private property. And we met a lovely couple that we spent some time with down in the south part of Portugal. And they talked about people don’t own property in Switzerland because it’s way, way too expensive and that they rent. and that rents are controlled by the government, which takes away freedom. And they don’t own a car. They use mass transit because it’s a very dense population. And so it was a part of Switzerland that I didn’t know about, so I appreciated that conversation. And then we had a young man that worked at the – boutique hotel we were staying at and he did all things he was a team player you know he was the bartender he was the pool boy he was the get my breakfast guy he did it all and that young man had the most beautiful smile he smiled all the time he was full of joy And he and I chatted, and he was taking the middle of the day off his shift to go to the bank because he and his girlfriend are buying a one-bedroom, one-bath apartment with parking. Parking is very critical because it’s so dense in these communities. And he’s paying €250. but the government has a first-time homebuyer program. If you’re under the age of 35 and have not owned a home, they have a no-down payment program. So I believe they are amortizing it over 30 or 40 years, but what he said is when all is said and done, he will pay double. He couldn’t explain it in interest rates to me, but I congratulated him on having that ability to create wealth.
SPEAKER 11 :
Well, yes. And Karen, I feel like a lot has happened while you’ve been traveling. The inventory, I see more and more for sale signs here in Colorado. And I just think, coming back, what are you seeing?
SPEAKER 15 :
Well, I’ve only been back about 72 hours, maybe. But with that said, I was watching what was happening in the marketplace. And we had a conversation at the break that I was able to write some offers for a couple of my buyer clients. One being a home in a very desirable community that they have been waiting for a home like this to come on the market for five years. And I saw the property come on the market and believed it was priced aggressively on behalf of the seller. But the seller knew their location and views could bring probably more than the market data would support and communicated that to the buyers. The buyers had a threshold of affordability they could only go to. But that home was priced over $2 million, and they received multiple offers and went under contract over their list price. which tells me there are buyers in the market who have the ability to buy. But our middle class, which seems crazy, which is $500,000 to $750,000 of purchasing in the front range, that would be our medium price range. Many of those buyers are sitting on the sideline hoping that interest rates will improve, allowing them a more tolerable payment. And that’s not looking like that’s going to happen anywhere in the near future. So that’s putting a lot of pressure on pricing. And we’re seeing, as I just mentioned, 2,600 price reductions in the last seven days. in our MLS so sellers who need to sell are motivated to sell have the bandwidth of equity to be able to reduce prices are which presents opportunity to buyers well and Lauren Levy people are I think sitting on the sidelines waiting for interest rates to come down yes
SPEAKER 03 :
Yeah, I believe so, yes. And I tell them all the time, and you and I, I sound like a broken record to myself. Because, you know, it’s the same old story of like if you can find a way to afford it now, you lock in that highest payment, right? It’s never going up unless your taxes and insurance go up, which happens. But then you can always refinance later. But we’ve just been in this moat. Karen and I talk about like… And we all hear through whatever media it is that we want the Fed to cut rates, but the Fed cuts what’s called short-term interest rates. I’ll give you a quiz. What is it that we all watch? The 10-year. That’s right. So the 10-year is 434 right now. It’s been between 430 and 460 or 450 for months now. And if we see that thing hit like 350, it’s going to be a party because then rates are going to have a five in front of it. But- it’s not been moving. And so we’ve been stuck in this range of, I would say, mid-upper sixes for a long time. And just were the Fed to cut rates, that doesn’t necessarily mean the 10-year is going to come down.
SPEAKER 11 :
Guys, I think everyday people like me, if you hear that the Fed cuts rates, I do think that interest or mortgage rates should come down.
SPEAKER 03 :
When the Fed cuts or raises, immediately your credit card interest rates change and your car loan rates change and your home equity line of credit rates change. Those are what’s tied to their decisions. The 10-year controls mortgages. And that is what will make your mortgage rates go up or down. Right. So the 10-year typically will come down in times of weakness in the economy, which is then what the Fed would react to by lowering rates. So a lot of times the 10-year will lead the Fed in that direction. So the Fed is afraid of making the 10-year go higher by inducing inflation, by cutting rates. And then the market, and I’m not talking about just, I’m talking about the true market makers, the bond market, which is way bigger than the, Stock market. If the Fed cuts and the bond market people think they’re doing it in a reaction to something they shouldn’t have done and they’re afraid of inflation, the 10-year will actually go higher, which could inflate mortgage rates. Goodness. So the 10-year is the key. And just because the Fed cuts. Now, the Fed cutting is great for our debt and the interest our government pays on money. And it’s great for if you’re carrying credit card debt. Or if you want to buy a new car, all that is great if the Fed cuts, but it doesn’t necessarily mean the mortgage rates are coming down right away.
SPEAKER 11 :
Okay. Gosh, I’d love to get those mortgage rates down. You and me both. Yeah. Continue the discussion here with Lauren Levy, Everything Mortgages, and Karen Levine, Everything Residential Real Estate. We’re able to do all this because of our sponsors. Pleased to have the Second Syndicate as a sponsor. And the Second Syndicate is bringing all these different disparate voices together to protect our Second Amendment, and they’re doing great work.
SPEAKER 09 :
The Second Amendment was established to ensure that all individuals have the right to resist oppression, stand firm against government overreach, and protect our ability to defend ourselves, our families, and our freedoms. Today, that right is under relentless attack in Colorado. Colorado’s premier grassroots Second Amendment organization, the Second Syndicate, is on the front lines, fighting to preserve and protect your constitutional rights. We expose the most pressing threats to the Second Amendment and provide the education, resources, and tools to stay informed, empowered, and prepared. Join the movement. Protect your rights. Visit thesecondsyndicate.com. That’s thesecondsyndicate.com, where the second is first.
SPEAKER 16 :
We’ll be right back. 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. Focused and wise marketing.
SPEAKER 07 :
essential for your success especially during tough economic times if you love the Kim Monson 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 Kim Monson comm and 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 KimMonson.com.
SPEAKER 11 :
And welcome back to The Kim Monson Show. Be sure and check out our website. That is KimMonson, M-O-N-S-O-N.com. Sign up for our weekly email newsletter and email me at Kim at KimMonson.com as well. Thank you to all of you who support us. We’re an independent voice. 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 want to say thank you to Laramie Energy for their gold sponsorship of the show because it’s reliable, affordable, abundant, and efficient energy from oil, natural gas, and coal. that powers our lives, fuels our hopes and dreams, and empowers us to change our own personal climate. Also, check out the website for the USMC Memorial Foundation as we’re coming in on Independence Week. A great way to honor Independence Week is to make a contribution as they are raising money for the Remodel of the Marine Memorial, which is located right here in Golden, Colorado. That website is usmcmemorialfoundation.org, usmcmemorialfoundation.org. A couple of things from Mark on the text line. He says, we had mentioned, we talked with Roger Mangan earlier in the show about this Colorado property insurance fair plan. And he says, this is the same as being forced to pay for someone else’s health insurance who smokes cigarettes. Good point. And then regarding Switzerland, Karen, you mentioned that. He said you will own nothing and will be happy. High density is no excuse for no property rights. This is all by design. I think that he’s got a point there. Yes.
SPEAKER 10 :
Yeah.
SPEAKER 03 :
Sounds like he listens a lot, too.
SPEAKER 11 :
I think that he does. Karen, during the break, you were asking.
SPEAKER 15 :
Lauren about the the Fed rate the 10-year rate and so set that up for us so the question I had for Lauren is that when economists address us the real estate population the realtor community we talk about the 10-year treasury being at 4.3 and the spread between that and interest rates and At one point, the lead economist at the National Association of Realtors said that spread had gotten quite large, which was uncommon, and that if that would come down, rates would improve. Now, this was probably 18 months ago that that comment was made. So I was asking Lorne about that spread, and he shed some very great light about what that means.
SPEAKER 10 :
I don’t know if you want to kick it over to me. I’m going to kick it over to you.
SPEAKER 03 :
No. So the one point that people need to understand is I get asked this a lot is why is it the 10 year treasury? It’s a 30 year mortgage. Why not the 30 year treasury, which does exist? And the reason is that most people don’t stay in their home loan for more than 10 years. On average, they may stay in their home. but they’ll tend to refinance. Maybe they have a child going to college, need to pull money out, do something, or they move for whatever reason. So they’ve decided it’s the 10-year treasury. So back when we had quantitative easing, back COVID and things like that, we had a couple of things in play. Not only was the Fed really lowering rates, but they stepped in because if everyone remembers, there was a panic and a fear of major foreclosures. People couldn’t go to work. People couldn’t leave their homes. And so as part of the Fed’s COVID defense, they became what’s called the buyer of last resort. Normally, when you have a mortgage, your mortgage and 999 other of them get packaged up in what’s called a collateralized mortgage security or collateralized debt and broken off and sold into mutual funds and things like that on Wall Street. People didn’t want to buy those loans because they’re afraid of defaults and people not being able to pay their mortgage because they weren’t working. So the Fed stepped in and inflated their budget and said, we’ll buy them all and we’ll securitize them and make sure that if there is a default, it falls to the taxpayer. So that made rates go artificially way low. So not only do we have a 10-year note at 0.50 when rates were in the twos, but we also had them as the backstop.
SPEAKER 10 :
3.50. That’s what it was. We’re now at 4 point something.
SPEAKER 03 :
3.5, yep. So you see the difference there. Wow. But that spread was removed because there was no risk premium built in. Now as the Fed backs off and part of their quantitative tightening, which they’re doing now, they’re shrinking their balance sheet as we speak, right? Every month they’re reducing their balance sheet by selling off bonds that they held.
SPEAKER 10 :
Okay.
SPEAKER 03 :
That’s happening now. And they’re putting the purchases of those mortgages back on Wall Street where they belong, in a free market, back into these mutual funds, into these securities, these securitizations of mortgage securities. Wall Street is now buying them again. And they require, they demand a premium. Because if you think about it, if I just came to you and said, Kim, If you would lend the government $400,000 for 10 years at 4.3, when you know they can just print money if they get in trouble, you’re guaranteed to get your money back. And I said, how about lending me $400,000 on my home when I could lose my job? You’re not going to take 4.3. You’re going to ask for a higher rate. You’re going to ask for a risk premium on there. You’ll say, well, how about 6.8? I want 2.5% premium risk. And that’s what it is. There’s a premium, a risk premium built into mortgages because Wall Street demands that in order to buy them.
SPEAKER 04 :
Got it.
SPEAKER 03 :
Because the Fed is no longer the buyer of last resort. It hasn’t been for a few years now.
SPEAKER 11 :
Okay. So this came in on the text line, Lauren. It says the Fed could lower rates if they wanted because they kept them artificially low with Obama. Right?
SPEAKER 03 :
Yeah. They can lower their own rates anytime they want. It’s an open committee, right? It’s a vote. They can do whatever they want. They’re supposed to be data-driven. But just because they lower their rates doesn’t necessarily mean that mortgage rates will follow with them the 10-year you want to follow with them. You want all… If the water, if the sea loses water, you want all boats to go down, like not sink, but just roll down with it. It’s not necessarily a guarantee that that will happen. We’ve had inverted yield curves before. We’ve had higher short-term rates, lower long-term rates. That tends to be a signal of a recession when you have an inverted yield curve. If you think about it, if you’re going to lend money to the U.S. government for six months, you expect to get less interest than if you do it for 30 years. Right. That’s a regular yield curve. Lower on the left, higher on the right. It’s been inverted before. So just because the Fed cuts rates, they could drive those short-term rates. But the long-term rates don’t necessarily have to come down with it.
SPEAKER 10 :
Who determines the long-term rate?
SPEAKER 03 :
The market.
SPEAKER 10 :
The 10-year treasury.
SPEAKER 03 :
The bond market is like three times bigger than the stock market by dollar. It’s its own trading. Okay. We don’t talk about it a lot. When you go into the news, any news, at 6 o’clock they say, today in the stock market the Dow is down 400. They don’t ever talk about the bond market. The bond market is way bigger and it trades on its own. Okay. And it’s an open, it’s a free market.
SPEAKER 15 :
Okay. And if any of us have portfolios of retirement, we are most likely holding some bonds. Okay. Because it adds stability to our portfolio.
SPEAKER 03 :
Now, what I’m talking about back during COVID, the Fed was in there buying those bonds as the buyer instead of the free market. And to back them, they were the backstop of them to ensure people that they would not default.
SPEAKER 11 :
Okay. Okay, Karen, all this inventory, what does that mean for people? Are we going to get into a weird, really weird housing market here in Colorado?
SPEAKER 15 :
Kim, you should not say things like that. I know, but I… That is not grounded. So we have talked… infinitum since I came on the show about a shortage of inventory. Right. Right. Shortage of inventory. We had more buyers in the market than inventory available. And what happened to prices? They went up. Yes. And what happened to property taxes? They went up. Yes. You didn’t like the property tax part. If you were selling, you loved the value part. Right, right, right. Okay. So now we have more inventory. We have more choices. We had said we needed to get to approximately 10,000 units to create a balanced market. Okay. That is where sellers move minimally and buyers move minimally when the negotiation happens. Okay. It’s a more balanced market. It is when you go out into the marketplace to buy milk, you expect to buy it for, I don’t know, $2 or $2.50. And do you go search for the best deal? No, because that’s more stable. So it’s a more – what do I want to say? It’s more balanced. It’s maybe – I don’t know if it’s, I would say, fair because buyers and sellers are reaching – More of an equilibrium? Yeah, it’s more median, more median. So it’s not a bad thing. It’s just perceived because it’s something we haven’t experienced in a decade because we’ve been watching values go up, up, up, up.
SPEAKER 10 :
Okay.
SPEAKER 15 :
So now we’re going to see values stabilize as we have seen over the last two, three years. We see, again, location, location, location. Areas that are less desirable or have less amenities potentially are going to have more downward movement in their values.
SPEAKER 10 :
Okay.
SPEAKER 15 :
More desirable communities may see more stability or see upward, like the example I gave of the property at $2 million. That went under contract over its list price, and the data said it wasn’t worth its list price. So, again, it’s not a bad situation. Lauren alluded to defaults on mortgages. As much as the media would like to tell us all that people are losing lots of jobs… unemployment continues to be very very low people are able to make their mortgage payments so we’re not in a distressed situation people have a huge equity position because of that upward movement over the last decade so when they go to sell they have a lot of equity in their home so they’re not going to have to bring money to the table to sell they may not walk away with what they would have walked away with two or three years ago what about property taxes if we see some downward pressure on your property taxes determined based on the study period of eighteen months before your assessment comes out and it’s based on what the market did So when is that next assessment? It just happened this May. You got your new one in May. And the best part was most people stayed stable. Some people’s moved down a little bit. And my phone didn’t ring very much. it did last time didn’t it you helped it with a lot of people I did I actually did protest my own personal property because they thought my value went up 80 grand and my marketplace actually depreciated and I’m like I don’t know what data they use so we’ll see where that journey takes me okay very interesting hey Karen Levine if people want to reach you regarding buying or selling a home or a new build what’s that phone number My phone number is 303-877-7516.
SPEAKER 11 :
And Lorne Levy, for Everything Mortgages, I love the fact that you work with a lot of different companies. You can help people in 49 of the 50 states. What’s the number to reach you?
SPEAKER 03 :
Just call 303-880-8881.
SPEAKER 11 :
Okay, great sponsors of the show, and also John Bozen with Bozen Law. If you’ve been injured, you want to reach out to them.
SPEAKER 22 :
You don’t have to suffer the consequences of someone else’s negligence on your own. The attorneys at Bose & Law have extensive experience handling all types of personal injury and wrongful death claims involving motor vehicle accidents, medical malpractice, defective products, catastrophic injuries, and more. Bozen Law also assists clients with matters related to workers’ compensation and Social Security Disability, SSD. Bozen Law takes pride in truly getting to know their clients and genuinely cares about helping you seek the justice you deserve. Call Bozen Law at 303-9000. 999-9999 for a complimentary consultation. That number is 303-999-9999. Call Bose and Law now.
SPEAKER 20 :
There’s so much noise coming at us. Sometimes it is difficult to make sense of it all. How can you sift through the clamor for your attention and get to the truth? The Kim Monson Show is here to help. Kim searches for truth and clarity by examining issues through the lens of freedom versus force, force versus freedom. Tune in to The Kim Monson Show each weekday, 6 to 8 a.m., with encores 1 to 2 p.m. and 10 to 11 p.m. on KLZ 560 AM, KLZ 100.7 FM. The KLZ website, the KLZ app, and Alexa. Play KLZ. Shows can also be found at kimmonson.com, Spotify, and iTunes.
SPEAKER 17 :
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 Monson Show and grow your business, contact Kim at her website, kimmonson.com. That’s kimmonson, M-O-N-S-O-N dot com.
SPEAKER 13 :
Trouble doesn’t knock. It just enters. Will you be ready when it shows up? At Franktown Firearms in Colorado CQB, we don’t just talk about safety. We train for it. Our brand-new 2,500-square-foot indoor shoot house gives you the chance to experience realistic close-quarter scenarios in a safe, controlled, non-lethal environment. You’ll learn how to move with a firearm, clear rooms, and make smart decisions under stress, all with expert guidance from defense professionals. Whether you’re brand new or an experienced shooter, these are the skills that protect you and your family when it matters most. This isn’t tactical theater. This is practical training for real people. And for a limited time, we’re offering an introductory rate of 50% off your training experience, saving you hundreds of dollars. Don’t guess how you’ll react in a crisis. Train for it. Go to klzradio.com slash franktown to take the first step toward real confidence. Colorado CQB, real training for real life.
SPEAKER 11 :
Welcome back to The Kim Monson Show. Be sure and check out our website. That is Kim Monson, M-O-N-S-O-N dot com. Sign up for our weekly email newsletter. You can email me at Kim at Kim Monson 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. If something’s a good idea, you should not have to force people to do it. And do check out the Center for American Values located in Pueblo, Colorado. Pueblo is known as the home of heroes because there were four Medal of Honor recipients that grew up there. And the center honors our Medal of Honor recipients with their portraits of valor as well as their great Medal of Honors quote book. And check out their website. That’s AmericanValueCenter.org for more information. AmericanValueCenter.org for more information on this. So Karen Levine, being able to own a home. And during the break, we were talking about Mike Rollick, who was on in the first hour, second segment, giving us some updates regarding this House Bill 24-13-13, pushing for more and more density, people being on top of each other. people not making it more difficult for people to have a vehicle so that they have freedom of mobility we see this all from a public policy standpoint and I loved and you mentioned it as well he said instead of all this subsidized I’m paraphrasing government housing let’s get that American spirit of excellence instead of redistributing wealth let’s let’s hold people up to create their own wealth right
SPEAKER 15 :
Right. And that’s what homeownership has always allowed the American people to do, is that when you made a commitment to make a payment towards an asset, being your housing, you built wealth, you build wealth, you still do. And that has been, you know, the foundation of building excellence in America and having the right to own something. And I think it’s If you and I roll back the clock and the initial conversation that you brought to my attention, which was the World Economic Forum saying, hey, by 2030, we will own nothing and be happy about it. That was a rhetoric that we have been sold. And I don’t believe the American people want to believe in that. And so we need to hold firm to those values because we, as Americans, have something that much of the world doesn’t. isn’t afforded, right? But what excites me is the fact that my phone rings and somebody wants to become that first time home buyer. And we may start that conversation six months, a year, 18 months. It’s never too early to start the conversation to help position you to save for a down payment, to be aware of down payment assistance programs, to position yourself so you can execute, and then have Lauren in your court to show you, you know, what your mortgage payments are going to be, what you qualify for, all those things. Get those in line so that when the opportunity is ready, you’re ready and ready.
SPEAKER 11 :
Well, and Lauren, with that, the fact that you work with a lot of different companies, doesn’t that give people more opportunity and choice?
SPEAKER 03 :
Oh, absolutely. And it allows us to get more creative. And you and I, through the years, continually talk about the fact that the banks that do home loans, they very rarely just say, oh, times have changed. We’re just going to shut down and go out of business and lay everybody off. They morph. They create new types of loan programs. And sometimes that has… led to almost too much risk sometimes on the part of the banks. We talk about that risk premium, you know, very limited down payment or whatever it be. But they do get creative. And so there’s a lot of creativity out there right now happening for loans because they want to drum up business. And so that’s helped, you know, it’s helped investors. There’s a lot of good investor loans for people that have rental properties as well. There’s just a lot of good things out there that not every lender offers because they’re not a Fannie Mae product. And so if you’re only working with a couple of Fannie Mae lenders, you won’t have access to this whole alternative line of lending. So having more than one option definitely provides a choice for people and can get a better situation.
SPEAKER 11 :
So, Lauren Levy, what do you think about – Mike Rollick had talked about this House Bill 241313, which is really pushing density, no parking minimums. I think really putting people on top of each other in neighborhoods that had been single-family zone neighborhoods. And – So there’s several municipalities that are pushing back on it. Lakewood has decided to be all in to support that, and we’ve had Karen Gorday on the show who has written a really important piece, Zoned Out, how Lakewood is selling out its neighborhoods, Lakewood Informer. What do you think about all this density?
SPEAKER 03 :
I think a couple things. Number one, I think every time I drive around town, which I do drive, not public transportation, and I drive by, every bus I drive by has like two people on it. Every train I go by, unless it’s from Mineral at 7 a.m., are empty unless there’s a Bronco game or a Rockies game. So… I don’t see the demand that they talk about. And all you do is watch any news in Denver. They talk about decreasing ridership and RTD, the lack of safety. And so that’s what I think about all that. I think it’s a bunch of baloney. Yeah.
SPEAKER 11 :
I think they keep running those trains and those buses, though, because they want to use public policy to, at a point, take away our choices so much that we would be forced to get around.
SPEAKER 03 :
And they think that they know better than us, and they think that that’s what we’re all going to want. So they get rid of parking lots and put buildings on them. They think everyone’s going to want to ride the train, and they don’t. If I go downtown, which I very rarely do, I want to be able to leave when I want to leave. And get parked close and not have to walk eight miles from where the train lets me off. Yeah. You know, I want to be able to move. Yeah. And that stops me from going down there.
SPEAKER 11 :
It’s freedom of mobility. Yeah.
SPEAKER 03 :
If I lose that freedom of mobility, I don’t go.
SPEAKER 11 :
Yeah.
SPEAKER 03 :
And that cuts into whatever business I might have supported that night. And they don’t think about that. The city planners all know better.
SPEAKER 11 :
They don’t get that. Karen, you and I have had this ongoing discussion, and many times when presentations are made to the realtor community, they talk about density, don’t want urban sprawl. What’s your thoughts about this? And I know you’ve been traveling, but this House Bill 241313, density and no parking minimums, and what do you think about that? Well, this isn’t.
SPEAKER 15 :
This isn’t new rhetoric, Kim. This has been going on for, well, since I’ve been a realtor. That’s been three decades at least. But with that said, density plays an important part economically in our urban communities. And it’s not always bad. It does provide affordability. And yes, there is a time and a place. And it should be market-driven. It should be market driven. You, Kim, should not be making the decision for Denver for what’s right for their urban community when you live in Douglas County. And that’s why local government is so important. And what we’ve seen is our governor take that away from us. not let local people make those local decisions. In my travels, I got to travel with a past city manager of a local community. we had a very good bipartisan conversation. I would put it that way. And the thing that was lovely about it is super thoughtful conversation about why minimum parking standards is good for communities, especially suburban communities and how that protects, how that creates safety. Um, And so there’s this balance that we have to create. And so when you shove one plan down everybody’s throat, that’s not freedom, obviously. And that, you know, creates this kind of angst. So I think it’s being wise. I think it’s being thoughtful. It’s being careful of the, one, the propaganda, and two, the, what’s the word I want to use? The… we have representatives that go in with their agendas that are not the agendas of the people.
SPEAKER 11 :
Right. Mark is busy today. He said this. He said, central planning is the worst. Absolutely. We want as much freedom in our lives as possible. Lauren Levy, your final thought and your phone number for Everything Mortgages.
SPEAKER 03 :
The phone number is 303-880-8881. I mean, my final thought would be, as Karen’s saying, there’s not all high density is bad density. You know, when you look at a lot of big subdivisions, I live in Douglas County, they range, right? They start, like, near the main road, tends to be houses closer together. The further back, you get maybe two acres. And the prices go, you know, anywhere from $500,000 to $3 million. But the houses at $500,000 are closer together. They’re higher density, but there’s still ownership. And those people that bought those for $500,000, they’re now worth $800,000 and have made a ton of money and have built wealth. They just have close neighbors. And that’s okay. But it’s versus these rental apartments they just keep putting up everywhere. You know, just stacking them and stacking them. You can see them everywhere. And that’s totally different. And that’s what they’re trying to push a lot, too.
SPEAKER 11 :
And public policy, I’ve learned from you that the central planners are giving them favorable rates to build these rental units.
SPEAKER 03 :
Yeah, and it’s gone all the way up to, you know, it’s HUD and FHA. It’s the federal government, too, that offers the lending money on a lot of that stuff. Wow.
SPEAKER 15 :
And then you add to that the construction defect legislation that does not affect rental units. development isn’t it crazy uh-huh so so it’s unsafe as a condo but as safe as an apartment yeah okay karen levine your phone number my phone number 303-877-7516 and my final thought is what a fabulous um conversation today very thoughtful i learned a lot it was a good conversation and karen lauren it’s always great to have you here great to be here
SPEAKER 11 :
Our quote for the end of the show is Louisa May Alcott. She said, keep good company, read good books, love good things, and cultivate soul and body as faithfully as you can. 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 04 :
Like a new moon rising fierce Through the rain and lightning Wandering out into this great unknown And I don’t want no one to cry But tell them if I don’t serve
SPEAKER 19 :
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.
