Join Kim Munson as she digs deep into the realm of political language, emphasizing the need for precise terminology when discussing democracy, socialism, and radical agendas. Delve into how everyday language influences political perceptions and decisions. Through insightful analyses, Kim reveals the necessity of understanding these nuances to advocate effectively for freedom and counteract the growing reach of government control.
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It’s the Kim Munson Show, analyzing the most important stories.
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That seems to me like government is establishing a religion.
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The latest in politics and world affairs.
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If you give people rights, women’s rights, gay rights, whatever, there can’t be equal rights if there are special rights.
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Today’s current opinions and ideas.
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Surveys show that people still really prefer freedom over government force.
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Is it freedom or is it force? Let’s have a conversation.
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Indeed, let’s have a conversation. And welcome to The Kim Munson Show. Thank you so much for joining us. You each are treasured, you’re valued, you have purpose. Today, strive for excellence, take care of your heart, your soul, your mind, and your body. My friends, we were made for this moment in history. Thank you to the team. That’s Producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Teresa, Amanda, and all the people here at Crawford Broadcasting. Be sure and check out our website. That is KimMunson, M-O-N-S-O-N.com. And we search for truth and clarity on the show by looking at these issues through this lens of freedom versus force, force versus freedom. If something’s a good idea, you should not have to force people to do it. And it’s not compassionate, and it’s not altruistic to take other people’s stuff, their rights, their property, freedom, livelihood, opportunity, childhoods, or lives via force. Force can be a weapon, but it can also be policy and unpredictable in excess of taxation, fear, coercion, government-induced inflation, the agenda of the World Economic Forum and the globalist elites playing out at the United Nations, This Colorado state legislature, this Colorado governor, they’re using land use codes, zoning regulations, forced fees, taxes, conservation easements, national monument designations, just all kinds of things that are an assault upon our property and our rights. And that’s why we do this show. We are in this big battle of ideas. that is raging in our country today. And ideas are so important. America was founded on an idea, this idea that all men are created equal with these rights from God of life, liberty, and pursuit of happiness. And that whole idea is under tremendous assault at this particular point in time. And so that is why we must engage in this battle of ideas with our friends, our family, and our colleagues. I want to say thank you to the Harris family for their goal sponsorship of the show. It’s because of our sponsors and all of your support that this independent voice on this independent station is out there Monday through Friday helping you hopefully get your brain around these issues so that you can engage in this battle of ideas. Our word of the day is rapacious, and it’s spelled R-A-P-A-C-I-O-U-S, and it could be having or showing a strong or excessive desire to acquire money or possess things or greedy. I would say that getting through this Colorado special legislative session, that the democrat agenda and this democrat party is not the democrat party of your grandpa and grandma it’s not the democrat party of jfk this democrat party is being controlled by radical activists who want all kinds of power and all kinds of your money and so they have been very rapacious in what they have done during this special session Apparently, there’s different estimates, but I’ll say south of $1 billion shortfall in the Colorado budget. And the legislature is supposed to balance the budget. And from what my understanding is, is that basically what they did is they increased taxes to the tune of $330 million or so on different entities. And one of my cut board members had texted the text group and said, well, how much did this special session cost? And I know they were thinking about the actual cost of of the special session. I don’t know what that is, but I do know that it is going to cost the people of Colorado $330 million. And a lot of this will be on the backs of small businesses, entrepreneurs, the higher earners, which these are the productive individuals that are creating jobs in Colorado. Now remember, government doesn’t create anything. Government can only exist because it acquires, either through fees or taxes, money from the productive, those that are producing. And so if you start to tax those that are producing more, they will very possibly move. At some point in time. So this makes no sense. And they didn’t get the budget balanced. And I did not see any spending cuts. And at this point, I would like to say thank you to the Colorado Union of Taxpayer Board members that I get to work with. It’s an all-volunteer group. And you can go to the website coloradotaxpayer.org and join us. You will get the emails that we send out regarding the positions on different pieces of legislation. It’s only $25 a year, $2.08 a month. We’d appreciate your support. We pay our dues so that we can volunteer to do this. I know, call us crazy. But this group is Steve Dorman, Greg Golianski, Russ Haas, Bill Hamill, Rob Knuth, John Nelson, Wendy Warner, Marty Nielsen, Ramey Johnson, Mary Jansen, Dave Evans, Corey Onozorg, Paula Beard, and Ray Beard. And we took positions on 12 of the bills that they made it through hearing. There was one more that was late breaking, and that was House Bill 25B. 1008, and that was the AI bill, the artificial intelligence bill. And that did end up being postponed indefinitely yesterday. And so we did not take a position on that because that was late breaking. We very possibly may revisit our position on, I think it is Senate Bill 25B005. Let me get that for you and if you’re not driving and you are at your computer take a look at coloradotaxpayer.org and then go to cut engaged up at the top and again this team did an amazing job reviewing these bills and also i have to say thank you to zach and that is our zach who is also helping working with cut And he was able then to get all of these bills up on the website. And even though this session is over, I’d highly recommend that you go in and make your voice heard. It’s really easy. Go to coloradotaxpayer.org. Go to Cut Engaged. And we’ll just go to the Wolf one for right now. But we’re going to be taking a different position on that, I think. And that is, hold on here. um well i think it’s zero zero five i’ll have to look at this again but with that my understanding is is that the final bill on the wolf reintroduction that the initial goal was to stop the introduction of more wolves into colorado my understanding is that did not happen and so we’ve got to re-review that bill so stay tuned on that and um The other thing, again, I was talking with a very trusted source, is it was moving funding for the wolves from the Colorado Parks and Wildlife over to an enterprise, a healthcare enterprise. fund which that’s outside of tabor colorado’s taxpayers bill of rights my understanding in that fund there are things such as abortion and transgender mutilation surgeries those kinds of things are in that particular fund and so we really probably don’t want to have those things commingled either and then this is one thing that it had come to my attention as i was a reviewing issues that were going to be on our ballots for our voters guide several years ago and I noticed something called gifts, grants and donations in one of the issues that was presented to the voters and I read it more and What that means is private entities or interested entities or non-governmental entities can actually come in and fund an agenda. For example, the wolves. And that would not be taxpayer money. So you have something that’s put into law. And then you have nongovernmental money that can come in to fund that agenda. My friends, this is danger, danger. And so we also look at the gifts, grants, and donations questions or pieces of legislation as well. So we’re going to revisit that one on the wolves, so stay tuned on that particular issue. Now, I went to this John Locke for our quote of the day. And Locke was born in 1632. He died in 1704. And he was an English philosopher and physician, widely regarded as one of the most influential of the Enlightenment thinkers and commonly known as the father of liberalism. Considered one of the first of the British empiricists following the tradition of Francis Bacon, Locke is equally important to social contract theory. His work greatly affected the development of epistemology and political philosophy. His writings influenced Voltaire and Jean-Jacques Rousseau and many Scottish Enlightenment thinkers as well as the American revolutionaries. His contributions to classical republicanism and liberal theory are reflected in the United States Declaration of Independence. Internationally, Locke’s political legal principles continue to have profound influence on the theory and practice of limited representative government and the protection of basic rights and freedoms under the rule of law. And this is what he said. He said, I have no reason to suppose that he who would take away my liberty would not, when he had me in his power, take away everything else. And you can look just right to this Colorado State Legislature and wanting more and more of our money and more and more power over each and every one of us. These discussions happen because of our sponsors. Hooters Restaurants has been a sponsor of both the Kim Bunsen Show and America’s Veterans Stories for many years. How I got to know them, it’s a classic story. when I was on City Council 2012 to 2016. And it’s the story of freedom, free markets, and capitalism bumping up against PBIs and control. And that’s politicians, bureaucrats, and interested parties. And Hooters Restaurants has locations in Loveland, here in Aurora, on Parker Road, and in Westminster. and great specials Monday through Friday for lunch and happy hour. Some fan favorites. Kurt Gerwitz really likes the fish tacos. I like the nachos and the fish and chips as well. So again, Hooters Restaurants, great sponsor of the show. Mike Rolick had gotten something over here to me. that he wanted you all to know about. It looks like a really fun event. And it’s going to be this Saturday, August 30th. He says, you can step into history at the Commemorative Air Force Mile High Wings Summer Concert Series at Shelter BJC on the Rocky Mountain Metropolitan Airport in Broomfield. It says, rock out with the Petty Nicks experience and special guests, Sons of Genesis, as vintage warbirds and a golden hour runway set the stage. Doors open at 5 p.m. Music’s at 6.30 p.m. You can grab dinner from the Blue Sky Bistro. Bring your friends and help support Tunnel to Towers. Tickets are just $25. You can save $5 if you use the promo code KIM. All ages are welcome. VIP parking available. Snag your spot now at 1943events.com. That’s 1943events.com. So be sure and check that out. The show comes to you, as I mentioned, because of our great sponsors. And the Roger Mangan State Farm Insurance Team understands that there are unknowns that can keep you up at night. That’s why the Roger Mangan Team can also help with life insurance and health insurance needs to replace lost income. Call Roger Mangan at 303-795-8855 for a complimentary appointment. Like a good neighbor, the Roger Mangan Insurance Team is there.
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There’s so much noise coming at us. Sometimes it is difficult to make sense of it all. How can you sift through the clamor for your attention and get to the truth? The Kim Munson 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 Munson 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 kimmunson.com, Spotify, and iTunes.
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And welcome back to The Kim Munson Show. Check out our website. That is KimMunson, M-O-N-S-O-N.com, and sign up for our weekly email newsletter there. I did want to mention the Center for American Values, which is a nonprofit. They’re nonpolitical, nonpartisan that I totally support. They’re located in Pueblo on the beautiful Riverwalk, and they’re focused on these principles of America, of honor. Integrity and patriotism. And it’s going to be a big autumn there. They’re going to be doing something for 9-11, which it’s hard to believe that’s right around the corner. And then Drew Dix, who is a co-founder, Medal of Honor recipient. has started a new podcast series. And he just talks about some of these important issues that we’re facing right now. And it gives you great perspective. There is so much coming at us that you have to have trusted sources to unpack these issues for you. That’s why we do all the work that we do here at the Kim Munson Show. But I would say another great tool in your toolbox would be to add in Drew Dix’s Words from the Silo podcast. And so check out all the things that they’re doing by going to AmericanValuesCenter.org. That is AmericanValuesCenter.org. And also, Mint Financial Strategies, Jody Henze and her group over there are really doing great work for your own personal economic freedom. And they can help. We’ll be right back. It’s everything tailored to you because you’re special. You’re individual. So call Mint Financial Strategies today. That number is 303-285-3080. 303-285-3080. And I wanted to talk with all of you. I’ve had a number of you that have reached out and have said, Kim, why don’t you use the word communism that often when we talk about what is happening? For example, the agenda, many of the things down here at the Statehouse are very communistic in the agenda there. Of course, we see in New York City, Very possibly, a communist is going to be elected as mayor from the Democrat Party in New York City. And that agenda is the agenda of the Marxist, the communist. The individual does not do well there. It’s state power, ultimate state power overall. Everyone. It’s a totally opposite from the American idea. And that is the agenda. That is where we’re at. I understand that. And I do appreciate so many of you that have reached out and said, Kim, why don’t you just call it what it is? And instead of saying radical activists. And the reason is, is because everyday people in our lives, first of all, I’m not sure that they have been taught because of our education system what communism and socialism really is. As Maggie Thatcher said, the problem with socialism is ultimately you run out of other people’s money. So when PBIs have made promises to people regarding government programs, what the government giveth, the government taketh away. So the giveth is the carrot to get people to vote for socialism, which marches you into Marxism and communism. And ultimately, socialism has to come down to force. And that’s what we talk about all the time on the show is freedom versus force or force versus freedom, which is inherent in our American idea. That is what the founders really wrestled with as well was force. And they said that government can be like fire. It can be – I think it was Washington that said that. He said that it could be like fire when it’s in its proper role. you can it’s good but when fire is out of control it’s very bad and very destructive and it’s the same with government but the reason i use radical activists is that’s something that everyday people can relate to if you’re talking to a 30 something and you’re going oh my gosh this is what they’re doing down at the state house those communists you immediately many times people don’t hear what you’re saying So if we want to be effective, people have to hear what we’re saying. And so that is why, even though I realize that the agenda is socialism, Marxism, and communism, in order to reclaim our state and our country, we’ve got to work on language. So that is why I say radical activists, because a lot of people don’t really appreciate radical activists. And so that’s And I’d love to hear what you all think about all that. The text line is 720-605-0647. So let me know what you think about that. The left, though, understands this. They understand that words really matter. And that’s why we have to be very careful about our words. So the next one that, and this is really from Natalie Minton, is they talk about affordable housing all the time. We want housing. We want things to be affordable. They’ve put those two words together. But what it really is, and Natalie always says, remember, it’s subsidized housing. So you take that, you connect that dot, and start calling it subsidized housing. And again, the government… can giveth and the government can taketh away. So when you have government that is subsidizing some housing, they are picking winners and losers. So all of these apartment buildings, and I can’t speak to each individual deal, so I’m going to keep this as a blanket. And we’ll probably talk with Lorne Levy, mortgage specialist, about this in the next hour because he’s going to be in studio. But in talking with Lorne and Karen Levine, Remax Realtor, I’ve learned that many of these apartment buildings are getting favorable treatment. Okay, there you have it, picking winners and losers. And they’re getting favorable treatment on financing to build these apartments. rental units, not ownership units. So everyday people, as they’re writing out their rent check, they’re not creating any equity at all. Now, if that’s their choice, they like the freedom of not having homeownership, which there are challenges with that. If that’s what they want, free market, go for it. But that’s not what we have. We have these apartment buildings and the PBIs are wanting to build these apartment buildings on TODs, transit-orientated developments, where they say people can live where they work. Let me just make a note there, but they don’t want the… at voila bakers to live where they work up in jefferson county all they need to do in jefferson county is give them a variance so they can continue to have their tiny homes on their property so that they can live where they work they will not be commuting taking those cars off the road whole bunch of things there we’re realizing the message is never about what they’re really saying where they want you to live where you work they they want to control people’s lives so okay back to favorable financing And then in addition, for affordable housing, there are some apartments that the rent is subsidized. So the developer isn’t subsidizing that, the taxpayer is. So the taxpayer is doing that, but yet there are other people that are having to pay full fare for rent. for their apartment because supposedly they make more money. Maybe they are putting in more hours. Maybe they’ve taken more risk. But they’re being dinged for that because instead of rewarding people that are taking risks initiative working more hours they want to again air quotes even the playing field so they want to take money from the taxpayers and subsidize this other rent there’s nothing fair about that so again instead of saying affordable housing use the word subsidized housing or government housing and we all have seen pictures of what government housing looks like and uh Many times there’s challenges with crime because the incentives are all off. And then lastly, this is one that is so interesting, and that is using the word Democrats instead of Democratic when you are referring to Democrats. And again, make the point when you’re talking with people, this Democrat Party is not the Democrat Party of JFK. or your grandpa or your grandma. This Democrat Party has been taken over by radical activists. And notice I say Democrat Party, not Democratic Party, because the word Democratic is a very favorable word. And it implies many of the things of self-governance. Now, we’re a constitutional republic that is democratically elected. And you can always throw that in when you’re in discussion with people. But I had a candidate that I had been talking with and really had encouraged him to use the word Democrat versus Democratic. And he said that he was talking to, I think, well, it was some media out on the Western Slope. And it was probably more hostile media. And he said that they were having a very good conversation, but he was referring to the Democrats as Democrats, not Democratic. And the media person challenged him on that. And I realized then, at that point, that they recognized the nuances of that. So as I was looking for headlines last night, I found this. This is from the New York Post. And it says the Dems are being advised to cut out woke words that they tried forcing everyone to use. And it’s a very rich irony. And these are some of the words that they had mentioned. So there was the therapy speak. And let me just go back to this. It said, the Dems have a novel strategy as they look towards 2028. Sound normal? This comes from a new policy memo published online by left-leaning think tank Third Way that suggested politicians scrap 44 words such as privilege, cultural appropriation the unhoused birthing person latex justice involved from their vocabulary as soon as possible remember we were being forced to try to use these words this article goes on to say dems are a little late in realizing that every day americans are turned off by the academic gobbledygook that’s been coming out of politicians mouths i also remember when obama changed the pronunciation of Pakistan to Pakistan. And he said, the great irony is this. After years of policing everyone else’s speech to enforce the standards of wokeness, Democrats now need to speech police each other to sound less woke. That is, if they want to stop hemorrhaging popular support. And these are words, so therapy speak. The words would imply, I’m more empathetic than you and you are callous to hurting others’ feelings. Those words privilege and violence dialoguing othering triggering microaggression progressive stack centering safe space holding space and body shaming And then additionally, they had some other words, seminar room language, subverting norms, systems of oppression, critical theory, cultural appropriation, postmodernism, Overton window, heuristic, existential threat. That was one that that was even back in the – let me think about that – In the 2010s that I heard that, and I couldn’t understand that. So my friends, they understand that language is important. We have to do that as well and choose our words carefully. And liberty is the responsible exercise of freedom, and I think that’s important for people to understand as well. These discussions happen because of our sponsors, and they will be in in the second hour. And that’s Karen Levine and Lorne Levy. Karen Levine is who you need to call for everything residential real estate.
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We’ll be right back. To learn more, reach out to Teresa at 520-631-9243. Teresa would love to talk with you again. That number is 520-631-9243.
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And welcome back to the Kim Munson Show. Be sure and check out our website. That is KimMunson, M-O-N-S-O-N.com. And sign up for our weekly email newsletter while you are there as well. And I did want to mention the USMC Memorial Foundation. It is the Center for American Values and the USMC Memorial Foundation. are the two nonprofits that we feature on a regular basis here on the show because all the work that I’ve done with America’s Veterans Stories realize how important it is of the work of the Center for American Values and the USMC Memorial Foundation. And they are getting ready for a 5K run event that will be in September. And so you can get information about that by going to usmcmemorialfoundation.org and also see all they’re doing regarding the remodel. On the line with me, late-breaking guest, is Wendy Volk. She lives up in Wyoming, which, as you all know, I love Wyoming. Every time I drive I-25 north, the minute I hit that border between Colorado and Wyoming, I feel like I’m hitting freedom. And Wendy Volk is… concerned about an issue that is right next to the property of a family ranch. And so we’re going to talk a little bit about that. Wendy Volk, welcome. Good morning, Kim. Nice to be on your show today. Well, thank you for joining us. And set this up a little bit. You’re concerned about a wind, industrial wind project that you recently found out about. So set this up for us, Wendy Volk.
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sure so i’m married to a wyoming ranching family and my husband and and the children we have are now the fifth and sixth generation of a ranch that’s located in horse creek wyoming it’s 26 miles northwest of cheyenne and so it’s a beautiful beautiful area where the front range coming up from colorado connects with a mountain range called the laramie range and about this summer out at the ranch we received a registered letter and it’s for a project called the laramie range wind project and it was from the wind company repsol in their north american subsidiary and it was notifying us as per the regulations here in laramie county that there was going to be a 56 000 acre proposed wind farm with 170 turbines And they went into great detail. You can find information about the project from the company on Laramie Range Wind Project. But the letter was just stipulating that we were being notified as neighbors and if we had any concerns to reach out to them. And they gave us the letter on a normal letter size piece of paper with a map. And it was really hard to tell the size of what 56,000 acres is in relationship to a small Wyoming ranch or a property owner next to this. But the more I kind of looked into it, and I’m a real estate agent here in the area, so I kept going on the maps and getting more information from the company, that I realized that this project is going to be right in the middle between our two different areas of our ranch. So we have a 6,100-acre ranch. section of our ranch that is on the west side of the project. And then we have another 1600 acres on the east side of the proposed project. So it’s definitely going to be something that we started to take notice to. The company in their letter talked about what might be where they had started to doing their due diligence on the property, letting us know about wildlife, letting us know that they had conducted a traffic study. letting us know on any industrial project, there’s things that they have to do to be responsibly citing this project. So the more I kept watching online, I just realized no one was really talking about it in our community. The planning or Laramie County Planning Division was doing an excellent job of sending out the material to the different respective local government and state agencies asking for their input, but most residents didn’t know about it. So that was when the more I kept asking questions, I realized I needed to try to at least raise awareness by talking to some neighbors. And in Wyoming, we’re sort of a live and let live state. We don’t bother our neighbors. But when we have concerns, we pick up the phone and call one another. And I started doing that and finding out where this might impact other neighbors. So I decided to write a letter to the editor, an opinion piece here to our local Wyoming news publications, and it really has kind of garnered some attention. And a lot of concerned citizens have stepped up and said, I want to learn more. I had no idea about this project. I appreciate your letter. I appreciate your input. So there will be, you know, at the stage of the construction is the first step with the public. Next will be this local Laramie County Planning Commission meeting. It was supposed to be this Thursday, but they didn’t have enough members. So it’s going to be rescheduled for September 11th at 3.30 at our Laramie County. And then the next step on September 16th, our county commissioners will be hearing the permit before them. And then it will go before our Wyoming State Department of Environmental Quality for an industrial siting permit review. So there’s a whole lot. in this stuff, you realize that there’s some very serious implications that I just had not seen enough of people in our community engage with our elected officials and our different entities. So I think Colorado has been going through some of this. Wyoming is kind of newer to the game in terms of seeing the southeast corner of the state
SPEAKER 17 :
now coming into play with this industrial type wind project so windy folk this has would not be getting to the uh planning commission uh without a whole bunch of work before how long have they been working on this project
SPEAKER 19 :
JoAnne Hanrahan, At least what I can tell from the planning Commission, it looks like they’ve been in discussions with the company. JoAnne Hanrahan, Like they do with most proposed projects, probably a year or two before it ever goes to the permit stage there’s probably a lot of initial conversations that probably took place in 2024. And I think one of the things that all of this has done is it’s helping me, both in my profession and then with our stake in the ranch, is to say I really need to be paying attention to what’s taking place at a city level, a county level. Really, that’s my responsibility. And I’m a big advocate for private property rights, but I also know government needs to be composed of both citizens and other stakeholders and then with our elected officials so that we can make good decisions bring in a wide variety of opinions bring in experts weigh in on the matter because i do think there’s a place for renewable energy in wyoming i just want to make sure we are being good stewards of the land and wildlife traffic all of the things that the way of life that you we are accustomed to in southeast wyoming will be changing very very quickly not just with this project but there’s another industrial uh project um on the horizon just you know about 50 50 miles north of here in chugwater wyoming another 50 000 acre wind wind and solar project
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What I find disconcerting, and to your point, we do have a responsibility to keep an eye on what’s going on in our government. And it’s no excuse. People are busy. A lot of people don’t understand how to watch what’s going on. And I’ll just say… And I stepped back. I was on city council for 2012 to 2016. And I stepped back not staying on top of the agendas every two weeks as well. It’s pretty easy to do. And that is just put it on your calendar. And I’ve started to do that. As you know, when there’s going to be the city council meeting or the county commissioner meeting. And just take a quick look at the agenda to see what’s going on. Because… That was probably on the agendas at some point in time. I’ve got to think, Wendy, maybe not. But Mike Rolick, who is a citizen activist, and they had run an ad from the Ralston Valley Coalition, which is up in the Arvada area. And the ad was, when the bulldozers show up, it’s too late. And that’s the same thing with you, Wendy. If you had not gotten this registered letter because your family’s property was right next to the project, you probably wouldn’t have known about it, right?
SPEAKER 19 :
I think you’re right. I do attend our county commissioner meetings regularly and our city council meetings. But by then, it’s taken me, since we got the letters in June and then start talking about it in July and then learning to navigate how to find the permit on a website that’s on the county planning, it just takes time. Because just like you said, to take time out of your day to become an active participant in a community with city and county meetings, It also involves having to then, I would take 15 minutes and I would start studying the material the company would provide. And then I would take 15 minutes and say, okay, what do I know about the traffic route that’s being proposed? How will they take the wind turbines from some other part of the country out to a community 26 miles out on a two-lane state highway that is not sized to do that type of truck traffic. And it’s going to be a proposed three-year project. And I think the community is trying to reach out and talk to the different entities, at least the agencies that have expressed concern, like the Wyoming Game and Fish is concerned about the impact on wildlife. This area, it would be industrializing 56,000 acres of one of the most intact wildlife habitats in this Laramie area. range and the project sits in this crucial winter range for mule deer and pronghorn and it’s you know it’s something that when game and fish expresses a concern people should listen and pay attention and most people in cheyenne the cheyenne is the largest city in the state of wyoming within the city proper is 70 000 people and in the entire county is close to a hundred thousand people And so most people have never been to Horse Creek. They may have heard about it. They may have passed through. It’s a beautiful area that’s been completely kind of respected in terms of the wildlife habitat. There are raptors and bats and migratory birds that all migrate along where this community, Horse Creek, is. There’s an actual creek called Horse Creek. there’s this special habitat along any creek that when you start disturbing that, the sheer scale and the sensitive location of where this project will be in relationship to this creek could result in permanent damage to some biodiversity. And so when you’re reading on the website that our Laramie County Planning Department, and I give them kudos, they have a wealth of information about this project and the permit number. But you have to be willing to go through it, and then you have to kind of take notes and ask yourself, now, does that make sense? And so this 26-mile stretch road, Kim, is at I-25 and Horse Creek Road exit. There’s about right now 2,600 daily passenger vehicles and trucks. And what they’re proposing at the peak of construction, that that would increase traffic. From 2,600 vehicles and trucks to 3,800, I think. We’ll have 300 construction workers commuting on that road. And we’ll have about 275 semi-trucks delivering and hauling materials one way.
SPEAKER 17 :
Wow. OK. And so that’s right. Well, you know what? Let’s go to break. I’m talking with Wendy Vogt. She is a realtor up in Cheyenne and she has married into a ranching family in Wyoming. And the ranch has been in the family for decades. With her children, it’s the sixth generation, and they received a registered letter that there was a 56,000-acre industrial wind project that is proposed next to their property. I love this. This is the nugget, my friends, that we need to ask ourselves each day is when she said she was reading the documents and she says, does this make sense? That, I think, is the question that we need to ask every day when we’re looking at these things is, does this make sense? And so we’ll continue the discussion. We will talk with him later in the second hour. And that’s John Bozen with Bozen Law. But be sure and reach out to them if you’ve been injured.
SPEAKER 22 :
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SPEAKER 05 :
All of Kim’s sponsors are an inclusive partnership with Kim and are not affiliated with or in partnership with KLZ or Crawford Broadcasting. If you would like to support the work of The Kim Munson Show and grow your business, contact Kim at her website, kimmunson.com. That’s kimmunson, M-O-N-S-O-N dot com.
SPEAKER 01 :
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SPEAKER 17 :
And welcome back to the Kim Munson Show. Check out the website. That’s Kim Munson, M-O-N-S-O-N.com. I’m talking with Wendy Volk. She is a realtor in Cheyenne, Wyoming. And she married into a Wyoming ranching family. They received a… registered letter in June that there was a 56,000 acre industrial wind project that is being proposed next to their property. So Wendy, is this, when you and I were talking yesterday, this is a blend of both private land and public land, yes? Yes.
SPEAKER 19 :
Yes, Wyoming and state land. It’s not a federal project is my understanding. It’s a, you know, I’ve had several people, oh, this is what you should ask questions about. And that’s right. It is public and state land. And it’s so important as people didn’t realize, they just don’t realize. how quickly all of this can change without really doing some research. And so I do appreciate, I’ve had friends that we have completely different political beliefs, totally different mindsets. But the one thing that kind of brings people together to kind of talk about difference of opinion is renewable energy and wind. and we need to do it responsibly we need to use the best practices but really take the time to plan for it appropriately and not just do it as a matter of submitting a permit and you check off the boxes because you know just what this has done is created this engagement conversation right of other concerned citizens other concerned businesses other concerned entities that may or may not have had the opportunity to weigh in on this
SPEAKER 17 :
Well, and that’s a point I’d like to just make a plug for the documentary that I was involved in, A Climate Conversation, which is the project of Walt Johnson. He and his wife, Rami, financed it, and it was his vision to just have a Socratic conversation about this whole narrative on climate. So I’d recommend that people… Take a look at that because it’s important to have these conversations about that. You can watch that for free by going to climateconversation.com, climateconversation.com. Next question, and if you have questions, text line is 720-605-0647. So the next question is transmission lines. How will the intermittent electricity that is being generated by this industrial wind project, because the wind does not blow all the time. The wind does blow a lot in Wyoming, I will say, Wendy. But how will, what’s the proposal to get the electricity generated from the industrial project to where is it supposed to go and are there transmission lines to do so?
SPEAKER 19 :
It’s my understanding that what makes this project so attractive to the company and other stakeholders is that they’ll be combining two major transmission lines. And I’m not an expert on transmission lines, but I think it’s just like how Cheyenne sits at the enviable crossroads of Interstate 25 and Interstate 80. and at the intersection of two railroads with union pacific and burlington northern these transmission lines would be able to be joined together and improve the connectivity of the transmission lines and where that goes you know i don’t know if that’s you know I think it’s coming mostly into, you know, to the front range area and whether it goes beyond, I don’t know. Cheyenne is going through some amazing growth with data centers. I think we have about nine data centers here. And we’re going to be on, I think, bringing on a total of, I think we’ll go up to 13 maybe in the next year or two. So data centers do require more energy. And I imagine the thought into this project is to improving connectivity through these transmission lines that sit mostly on private land.
SPEAKER 17 :
Okay. Then let’s see. We have another question coming in. Okay, well, they just said this is what happens when government gets involved in the energy business. Now, I’m wondering if these tax credits, federal tax credits that have been out there for wind and solar, the Trump administration says that they’re going to go away. And I think that everything needs to be able to stand on its own two feet economically without subsidies and tax credits. Do you know if that would affect this project at all, Wendy Volk?
SPEAKER 19 :
It might, Kim. I think from the letters and all of the information that was submitted to our county, it indicates that they would like to begin construction on this in 2027. So it tells me that they would like to get underway so this project begins by the end of 2026. which i’ve been told that that might be the deadline for being able to take advantage you know for a company to take advantages any some you know development incentives whether it’s subsidies or other otherwise but i think that’s where the push is right now for some of the different projects that are going on in wyoming and around the country is to make sure they start you know start before 2027 starts
SPEAKER 17 :
Okay. A dot I’d like to connect is there’s two different narratives out there. There’s what’s called the rewilding of America, and we’re seeing farming and ranch land that there’s an agenda to take that and put that back to just wild America with wildlife. And so you’ve got that agenda over there, and then you’ve got over here the industrial wind and solar projects that are taking farming and ranching land for those projects. Ultimately, when you start to take away farm and ranch land, which is our food source, people are going to start to see the effects of that in the grocery stores with price increases and a variety of things. So we need to understand all these issues that’s going on. Wendy Volk, this has been so informative. We’ve got a minute left. How would you like to wrap this up for people?
SPEAKER 19 :
I really appreciate the time. Thank you for reaching out to me to invite me on the show. I do think that, as I mentioned before, renewable energy is going to have a role here in the Rocky Mountain region, but we have to do it responsibly. We need to bring our best and brightest minds and research and data together to do this responsibly so that it’s not at the cost of our lives. you know, wonderful Wyoming and Colorado land, wildlife and heritage. It needs to be protected, but we need to do things responsibly.
SPEAKER 17 :
Very well said, Wendy Volk. Thank you so much. And I really appreciate the conversation. Thank you, Kim. Nice talking. And our quote for the end of the show is from John Locke. He said, That’s John Locke. So my friends today, be grateful, read great books, think good thoughts, listen to beautiful music, communicate and listen well, live honestly and authentically, strive for high ideals, and like Superman, stand for truth, justice, and the American way. My friends, you are not alone. God bless you. God bless America. And we’ll be right back with our number two.
SPEAKER 04 :
Talking about.
SPEAKER 13 :
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 06 :
It’s the Kim Munson Show. Analyzing the most important stories.
SPEAKER 17 :
The socialization of transportation, education, energy, housing, and water, what it means is that government controls it through rules and regulations.
SPEAKER 06 :
The latest in politics and world affairs.
SPEAKER 17 :
Under this guise of bipartisanship and nonpartisanship, it’s actually tapping down the truth.
SPEAKER 06 :
Today’s current opinions and ideas.
SPEAKER 17 :
On an equal field in the battle of ideas, mistruths and misconceptions is getting us into a world of hurt.
SPEAKER 06 :
Is it freedom or is it force? Let’s have a conversation.
SPEAKER 17 :
indeed let’s have a conversation welcome to our number two of the kim munson show thank you so much for joining us you’re each treasured you’re valued you have purpose today strive for excellence take care of your heart your soul your mind and your body my friends we were made for this moment in history thank you to the team that’s producer joe luke rachel zach echo charlie mike theresa amanda and all the people here at crawford broadcasting happy tuesday producer joe happy tuesday kim and as we look at these issues 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 use force to implement it and on the show we focus on the people or on the issues and we’ll mention the people around those issues but we stay out of the eighth grade girl fighting regarding personalities or we sure try to and In studio with me is my good friend, Karen Levine. She’s an award-winning REMAX realtor. And we’ll be talking about one of the most important decisions people can make, and that is where they live. And homeownership, property ownership, homeownership. All of that. So it’s great to have you here, Karen. Great to be here. And Lorne Levy for Everything Mortgages. He can help you with a first mortgage, second mortgage, reverse mortgage in every state except not New York. But otherwise, you can help people everywhere.
SPEAKER 20 :
Yep, that’s true.
SPEAKER 17 :
It’s great to have you here.
SPEAKER 20 :
Great to be here.
SPEAKER 17 :
So our word of the day, my friends, and I always spell this out because Eric says, well, I don’t always. My marching orders are to always spell it out. But it’s rapacious. And it’s R-A-P-A-C-I-O-U-S. And it could be having or showing a strong or excessive desire to acquire money or possess things greedy. I would say that the Colorado State Legislature and the governor are rapacious. But it could be by living, by killing prey, especially in large numbers, or taking things by force or plundering. But rapacious is your word of the day. And our quote of the day is from John Locke, born in 1632, died in 1704. He was an English philosopher and physician. And he was so influential with the Enlightenment thinkers and what was happening in France, but also with our founders, our Declaration of Independence. And he said this, he said, I have no reason to suppose that he who would take away my liberty would not when he had me in his power take away everything else. And that was all those years ago, Karen Levine. And human nature doesn’t change. It’s the same generation to generation.
SPEAKER 12 :
That is very true. And it is interesting that someone that many years ago was as insightful to know we would be in the same place today. And we are.
SPEAKER 17 :
And so we’re going to talk about a variety of things. Lorne Levy, I always like to ask you about all the Fed questions. So we’ll do that here in just a little bit because Trump has said I didn’t. Well, we’ll save that for just a little bit because we have on the line with us John Bozen, who is another great sponsor of the show. If you’ve been injured, you certainly want to reach out to John Bozen and Bozen Law. John, welcome to the show.
SPEAKER 07 :
Good morning, Kim.
SPEAKER 17 :
And I wanted to ask you about people that have been injured by pharmaceuticals because that is an area we haven’t talked about for a little while.
SPEAKER 07 :
Yeah, it’s been a little while, and there’s more coverage in the media about some of the stuff going on with some of the big pharmaceutical companies. But, yeah, Bozen Law has, oh, geez, two-plus decades now since the early 2000s. been involved in cases involving big pharma where they’ve put a product pharmaceutical out there that has hurt a lot of people and and kim we see the same pattern over and over again they put something out there they don’t warn about the side effects or they don’t fully disclose the side effects they make a bunch of money and then years After it was introduced, they can’t hold the lid down any longer on what it’s doing to folks. It comes out. They get sued. They spend a lot of money defending themselves with lawyers. And normally, often, we get the goods on them through disclosure. We find out that in the early testing of the product, of the drug, they realized there were some problems and they buried it. And they put it out there and they put money over people. Right now, we’re pursuing the manufacturers of the GLP-1s, the stuff that folks are taking for weight loss, the Ozempic, the Wegovia, the Trulicity, all of them out there that people are using to lose weight. And almost on a weekly basis, we’re getting more information about the side effects and what these drugs are doing to people. And it’s not good, but it’s turning into the next mass tort case that’s evolving very quickly now.
SPEAKER 17 :
So, John, questions, because this kind of stuff can be messy. So the first thing is there can be side effects from pharmaceuticals, but I think the point you’re saying is if they knew that there was detrimental side effects and they buried it. So that’s the real point there regarding the pharmaceutical company, yes?
SPEAKER 07 :
That is it. You nailed it on the head. It’s what they knew, when they knew it, and And why did they not disclose it sooner? Why did they not disclose it when they first understood or should have understood that this, whatever the drug, had a significant problem, significant side effect? It’s about disclosure. It’s about letting people know that, hey, you can take this. It may work for you, but it also may kill you. It also may cause irreparable harm and damage to your body. That’s where they drop the ball. That’s where they fall short of what they should have done. If they know something is bad, if they know something has a potential deadly side effect or a life-threatening or… life-altering because of the injuries it can cause. they have an obligation to share that information with the people that they’re selling their product to.
SPEAKER 17 :
So then, because I have friends that have used some of those products and successfully had weight loss, so I don’t think you and I are saying people cannot have access to that because if they want to choose to do that, they should have the freedom to do so, but they have to know what they’re getting into.
SPEAKER 07 :
That’s right.
SPEAKER 17 :
Is that what it is?
SPEAKER 07 :
Yeah. The manufacturer, the pharmaceutical, if they know something based on reports, based on subsequent studies, based on early studies before they put it out there, that there’s problems, they need to disclose all. of the side effects and potential problems.
SPEAKER 17 :
Okay. So if someone has been injured by a pharmaceutical or they think they have, you would certainly talk with them, yes?
SPEAKER 07 :
Oh, absolutely. Yep, we’re getting a lot of calls right now on folks having issues with the GLP-1s. That phone number to call for a free consultation is 303-999-9999.
SPEAKER 17 :
So again, if you think you’ve been injured by a pharmaceutical, give John Bozen and Bozen Law a call. That number is 303-999-9999. John, thank you for the trusted, great work that you’re doing, you and your team. And it’s great to have you as a sponsor of the show.
SPEAKER 07 :
Proud and humbled at the same time to be a sponsor. Kim, you keep getting the word out there. Educate us.
SPEAKER 17 :
Well, we’re working on it with the good Lord’s help. We’re doing this every Monday through Friday. So thank you, John Bozen.
SPEAKER 07 :
Thank you, Kim.
SPEAKER 17 :
So we talk about serious things, but Mike Rolick brought this to my attention, something really fun, and that’s this Saturday, August 30th, Step Into History at the Commemorative Air Force Mile High Wings Summer Concert Series at Shelter BJC on the Rocky Mountain Metropolitan Airport, or in Broomfield. Rock out with the Petty Nicks experience and special guests, Sons of Genesis, as vintage warbirds in a golden hour runway set the stage. Doors open at 5 p.m., music at 6.30. You can grab dinner from the Blue Sky Bistro and bring your friends to support Tunnel to Towers. Tickets are $25, but you can save $5 with the promo code KIM. All ages welcome, VIP parking available. Snag your spot now at 1943events.com. 1943events.com. That’s up in your neck of the woods, isn’t it, Karen Levine? It is. It sounds kind of fun. I’m not going to be able to go, but I’ve heard that it’s really fun. And a lot of people show up in vintage World War II garb and all that. I think it’s a lot of fun. And again, the tickets are, you can find those at 1943events.com. And we have these important discussions because of our sponsors. Lauren Levy is in studio. Karen Levine’s in studio. And I’m going to get to see him tomorrow morning, and that is Roger Mangan. And the Roger Mangan State Farm Insurance Team can create personalized insurance plans to cover all of your needs. from protection for your cars to your home, condo, boat, motorcycle business, and renter’s coverage. So contact the Roger Mangan team. Now that number is 303-795-8855 for a complimentary appointment. Like a good neighbor, Roger Mangan’s team is there.
SPEAKER 08 :
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SPEAKER 15 :
property is surely a right of mankind as real as liberty wrote founding father john adams remax realtor karen levine has been working diligently at the local county state and national levels to protect property rights and home ownership karen has navigated the often challenging colorado metro real estate market for years karen levine is the trusted professional for you to turn to when you are buying or selling your home considering a new build or exploring investment opportunities Realtor Karen Levine. You want her on your side of the table. Call Karen at 303-877-7516. That’s 303-877-7516.
SPEAKER 16 :
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SPEAKER 14 :
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SPEAKER 17 :
And welcome back to the Kim Munson Show. And, hey, question. Do you have big dreams for your future, but you’re not quite sure how to get there? Call our friends at Mint Financial Strategies. They know that your financial life is unique. And as an independent firm and an accredited investment fiduciary, they build personalized strategies that put your freedom and goals first. No sales pressure. No one-size-fits-all approach. Just thoughtful guidance built around you. So take that first step toward your future. Call Mint Financial Strategies at 303-285-7000. 3080-303-285-3080. In studio with me is award-winning Rebax Realtor, Karen Levine. Great to have you here. Nice to be here. And Everything Mortgages, Lauren Levy. Great to have you here as well.
SPEAKER 20 :
Great to be here.
SPEAKER 17 :
So let’s start with the residential real estate market here in the metro area. So homeownership is a way to create wealth, a home, a place to live. We all need a place to live. And you and I talk on a consistent basis about wealth. Real economic freedom. You and I, I think both would prefer not to have government putting its finger on the lever of subsidized government housing. We’d like a free market on that. And yesterday we had a really interesting conversation with a guy with a grassroots group rooted in Littleton that they are concerned about zoning rewrites or ordinances. And they want to step back. And from when Wendy Volk was on in the first hour about this 56,000-acre industrial wind project, she said this. She said, does this make sense? That’s a… That’s a great question, Karen Levine.
SPEAKER 12 :
So tell us anyway, what’s going on? Well, typically we see the real estate market is a little bit quiet the end of July into mid-August due to, you know, end of summer vacations and kids going back to school. And we’re anticipating seeing some… New properties coming on the market after the Labor Day weekend, so there’ll be more choice for buyers in the marketplace, meaning that sellers are going to need to price their homes well, position them well to be successful. I’m sure Lauren will talk about the mortgage market, but that’s improved a little bit, which makes affordability better. I was sharing just the last seven days in our Front Range Multiple Listing Service that we saw about 1,200 new listings come on the market, but we also saw about 1,200 new listings come on the market. Listings go under contract. So there is good activity out there. Sellers, if you’re looking to sell and ready to prepare your home correctly and price it right, you can be successful. Homes are selling. And as you continue to mention, Kim, yes, we have a lot of inventory, but we’re still compared to what we used to have. And Buyers haven’t really seen opportunity or felt like it was a buyer’s market in over a decade. So I think there’s great opportunity out there. I have several new properties coming on the market after Labor Day. And there’s a little bit for everybody. I have a one-bedroom, one-bath condominium coming on the market under $100,000. It’s down the street here off of Parker Road in Florida. Huh. And I have a 55 plus community ranch coming on the market up in Anthem in Broomfield and a couple of homes in the medium price range. So good opportunity, I think, for buyers to consider getting in the market, whether that’s a move up, a move down or first time home buyer. I think it’s going to be a good fall.
SPEAKER 17 :
I remember us talking, because we sat around in the studio when interest rates were below 3%, right? But there wasn’t inventory. Correct. And we talked about the velocity of housing. So it sounds like that’s picking up. Question, when you mentioned condo. I’ve heard that people need to also talk about the homeowner’s dues or what?
SPEAKER 12 :
Yeah, the homeowner association. Yeah, that. And, you know, homeowners association dues have gone up because, in many cases… because of insurance and getting insurance on the community. And we are all all homeowners in Colorado are challenged with homeowners insurance. And many carriers have left our state because of claims for hail and fire. And so there is an increase in that. But what a buyer needs to understand is that When you pool money together for a just cause, and that is a community, a condominium community, townhome community, you bring your resources together so that insurance is paid for the whole community. Maybe water is paid, maybe heat. this particular condo i’m listing heat is included in the dues they also have amenities whether that’s tennis courts or swimming pools those type of things that cost money but if you were to go out and get those independently it potentially could cost you more money so you want to know that the hoa is solvent that they’ve made good financial decisions and that they’re spending your money well as we hope the government does with our tax dollars
SPEAKER 17 :
Yes, we do. So, Lauren Levy, Karen alluded to the fact that the mortgage market might be a little bit more favorable.
SPEAKER 20 :
It’s a little bit. Rates have come down, I would say, to like the mid to lower sixes. Not like six, but like six, three, seven, five to six and a half for the most part. So, that’s a little better than close to seven. It kind of fluctuates based on news and data that comes out almost daily, you know. But it’s nice. It’s offered a few people an opportunity that had higher rates to take advantage of a refinance. And it’s gotten some other people feel more comfortable buying a home. That’s for sure, which is nice.
SPEAKER 17 :
Well, the news. And Trump is in the news big time because he has said to Jerome Powell, who is the chair of the Federal Reserve, that Trump wants interest rates to come down. And there seems to be some… indications that might happen at the September meeting. So what’s your thoughts about that?
SPEAKER 20 :
I think they’re talking about the speech Powell gave in Jackson Hole, Wyoming, where they meet every year. And he said that they’re inclined now to look at September as a possible rate cut. And I think some of the data has driven them that way. The last meeting we had, when you and I talk after every meeting, It was only two days later on a Friday that the employment data came out. That was a little low. But he didn’t have that data yet on that Wednesday. On that Friday, they did.
SPEAKER 17 :
How could they not have that data?
SPEAKER 20 :
They don’t release it. Huh.
SPEAKER 17 :
Okay.
SPEAKER 20 :
The government just doesn’t let it out. They let it out the first Friday of every month.
SPEAKER 17 :
Okay, just cynical, though. All of the leaks that can come. Oh, for sure.
SPEAKER 20 :
Yeah, that’s when you’re digging in the hole. But supposedly, it’s not supposed to be out. And so they got that. And then some other data has been a little bit weak. And there’s data all the time. Every week, there’s two or three data points coming out. And there’s big ones that they wait for. So we’ll see, because there’s a couple more coming before the September meeting. And we’ll see if they’re low, then they might cut.
SPEAKER 17 :
But they can’t cut until September, though, right? They could cut.
SPEAKER 20 :
Technically, they could cut whenever they want. They have scheduled meetings, eight meetings a year that they make their recommendations and do their actions. They can make an emergency cut or raise, which they’ve done before with the banking crisis of 2008. They’ve done emergency cuts when they’re afraid something might fail. They can step in and do it today if they wanted to. But the economy’s doing fine. There’s no reason to do an emergency cut right now.
SPEAKER 17 :
Okay, what about this Federal Reserve, what do they call them, governors? That Trump is calling for her to be fired. I didn’t think that he can’t fire a Federal Reserve.
SPEAKER 20 :
So this is, I was listening to this again this morning. The bottom line is all this is going to end up in court, and it might end up in court like today. Because the one, you know. My favorite class in high school was always American government for some reason back in the day. Really? Yeah. Because I was fascinated by the separation of the judiciary and the executive. And this is a battle because… The Federal Reserve was created by Congress. They’re appointed by Congress. The president appoints. They’re confirmed by Congress. But no one really knows who can fire.
SPEAKER 21 :
Okay.
SPEAKER 20 :
And so I was hearing today that it’s interesting. What happens? Now, we have to assume that this woman is guilty, which there’s been no evidence yet in your innocence of proving guilty, right? That’s the way it’s supposed to work. Yes. So assuming she’s guilty, what happens if Trump says she’s fired, which she’s already done? Who fires her? Like who cuts off her paycheck and takes away her access card to the building? Is that Powell or is it HR? And if Powell says, I’m not doing it, does that create cause for Trump to fire Powell?
SPEAKER 17 :
Okay, interesting. So we started the show at 7 a.m. at 8.56 a.m. Eastern Time. So 6.56. So we’re getting ready to go on air. This came across the wire from USA Today. Trump fires Federal Reserve Governor Lisa Cook. What’s next? This is going to get super interesting, Lorne Levy.
SPEAKER 20 :
It is. It’s going to emergency go to court because she’s not going to resign. She has lawyers of her own that are saying he can’t fire her. So does she show up to the door and her car doesn’t work and she just sits in her car? It’s going to have to get to court today.
SPEAKER 17 :
And the reason is regarding a mortgage, which that’s your business, right? So tell us about that. That’s ostensibly the reason.
SPEAKER 20 :
That’s the accusation is when you sign a mortgage and you claim that the property is your primary residence, we all sign a document that says it’s our intention that we will live there for 12 months as our primary residence. once those 12 months are over all bets are off according to the documentation so you can then flip the home to an investment property and get a renter or tenant in there if you want or buy some other property and call it your primary residence after 12 months but you’re you’re saying to them this isn’t my intention now intentions can change and why why does that matter Because primary residences get more beneficial interest rates.
SPEAKER 17 :
Okay.
SPEAKER 20 :
They want to help you protect your primary residence. Okay. So they give you a better rate, and it’s just how it’s always been. So your intention can change. Like, for example, if I bought a house today, or I refinance, that’s my primary residence, and then six months from now I get fired from my job, and I have to relocate to Florida to get an incomparable job. Well, I have a leg to stand on when I go buy another primary residence in Florida. My circumstance has changed. But you would have to be accused of something and then go to court and prove it. It’s the same thing here. She has a home in Michigan, I believe it is, and then she did a loan in 2021 before she was a Fed governor and then had another loan on a house in Georgia, which she claimed was a primary residence, which then several months later became a rental So the question is, did she buy two homes as primary residences within several months of each other or refinance them? You know, it doesn’t have to be purchased. Did she refinance both of them as primary residences? And that would be mortgage fraud if she knew her intentions were not to live in one of them.
SPEAKER 17 :
Okay, and then the fact that she rented one.
SPEAKER 12 :
That’s okay. It’s just that she’s claimed they’re both primary residents. She got favorable financing. Okay. And it’s not that she didn’t have the right to do that. If her intent, and it has to do with intent.
SPEAKER 20 :
And what were her circumstances? I don’t know. Did she ever live in Georgia and then move to Michigan and then had a right to have two primary residences because her circumstances changed? Or was she trying to get by with lower rates on both properties? Oh, man, this is messy. Sometimes people will go to one, you know, they’ll go to… For example, they’ll go to one bank to get a loan on one property, and then they’ll go to another bank to get a loan on another property and claim them both as primary residences. The two banks don’t talk. Sure. So it’s not until the loans get to Fannie Mae or Freddie Mac that they get scrutinized. Okay. And that’s when they’re like, oh, we have Karen Levine here with two primary residences. How does this work?
SPEAKER 17 :
Yeah, yeah.
SPEAKER 20 :
And if they want to push the envelope, they can push it.
SPEAKER 17 :
I said, she gets a lot done, but living in two primary… No, people just do it to get better rates.
SPEAKER 12 :
It’s not about her living. It’s about what her intent was in getting owner-occupant financing. And you can have one of those. But if her circumstances changed… And she moved, and it was now her new primary residence. It was okay. As Lauren said, a court of law will make a determination what was her intent. Boy, that’s messy. It’s very messy.
SPEAKER 20 :
And that’s what fraud is. Fraud is all about intent, right? Were you intentionally defrauding somebody? In this case, Fannie Mae.
SPEAKER 12 :
Which is, you know, not somebody who want… The fines are quite extensive if you are fraudulent in that arena.
SPEAKER 20 :
And you sign a document. There’s a mortgage fraud document in every loan package. So it’s right there. So the question… And then the other question that we were talking about, you and I, is… This supposed loans were taken out in 2021 when this person was a private citizen and wasn’t appointed to the Fed until 22. So the question is, if the president has the right to fire, which is for a cause, can for a cause happen before they were even on the job? Or does it have to be something you did while on the job to be for a cause? Again, just not even an opinion. It’s just the courts will decide.
SPEAKER 17 :
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SPEAKER 17 :
And welcome back to the Kim Munson Show. In studio with me is REMAX realtor Karen Levine and Everything Mortgage’s Lauren Levy. Before we get back to this discussion, I wanted to say thank you to the Harris family for their gold sponsorship of the show. And then I was out at the USMC Memorial. for the great 48th anniversary on Saturday evening, emceed that event, because as you all know, I dearly love the USMC Memorial and the Foundation. And you can get more information and support them by going to usmcmemorialfoundation.org. That is usmcmemorialfoundation.org. But I also got a great calzone at Little Richie’s. And if you’re craving real New York-style pizza and pasta, reach out or stop by Little Richie’s in Parker and Golden because they have you covered. It’s authentic New York flavor with Colorado roots from daily specials and weekday lunch specials to a happy hour worth planning around. They are your neighborhood favorite because they’re always serving up something worth stopping for. And again, the best calzone that I’ve ever had, although you are from… Boston. And there’s probably some pretty good calzones in Boston, yeah?
SPEAKER 20 :
You know, there probably is. I would think they’re more New York, probably, than Boston. But Boston’s known. We have an area called Little Italy, which has great food, like some of the best. But I usually get pizza, I have to admit. I’m not sure I’ve ever had a calzone there.
SPEAKER 17 :
I tell you.
SPEAKER 20 :
Pizza’s too good.
SPEAKER 17 :
Well, okay. Well, Little Richie’s, I can tell you.
SPEAKER 20 :
I’ve been there. That’s good. But I’ve only had pizza and wings. They have good wings.
SPEAKER 17 :
They have good wings, too? Okay, well, the calzones are awesome. Okay, I believe you. Okay, so let’s get back into this. Karen Levine, this is so interesting. Well, and this is coming in, and I thank you, Mark. He says, stop and ask yourself why there’s no banking competition with interest rates. Good point. And he says, Trump cannot fire Jerome Powell because he’s not a government employee. Well, that makes sense. True, right, Lauren Levy? It’s a quasi-governmental… I don’t know.
SPEAKER 20 :
I mean, I don’t know who paid him. He appoints him, though, right? He appointed him. And then Congress confirms him. But I don’t know where his paycheck comes from. I don’t know if he’s not a government employee. I truly… I don’t know either. I don’t know. I mean, he works for the Federal Reserve under the guise of Congress. That’s why he goes and talks in front of Congress, whatever, once a quarter and has hearings with them because they’re his bosses. And that’s who’s supposed to hire and fire him.
SPEAKER 17 :
But yet, it seems like if you appoint somebody, you should be able to fire them. What do you think?
SPEAKER 20 :
But when you appoint them, they don’t get the job right away. They have to go through the confirmation of Congress.
SPEAKER 17 :
Okay. I know. We have to ruminate on this. Did you ever think the Federal Reserve would be like a soap opera?
SPEAKER 12 :
What? Lauren would probably answer that question better than I, but no. But everything right now seems to be a bit of a soap opera. As the world turns. As the world turns. I mean, in the first hour, you were going through woke words and how we change our language, and I’m like… Yeah, we had to rename how many things across the United States. Mount Blue Sky instead of Mount Evans. I’m like, seriously? I’m like, this is historical. This is… It’s part of history. Good, bad, and ugly. That’s what I’m talking about. Good, bad, and ugly.
SPEAKER 20 :
And I remember when learning in history, I talked about high school. I remember thinking, why do we have to know this stuff? It’s past. And how many times are you told, we study the past so we don’t repeat the mistakes that were made? You give quotes from the 1600s that are good today. All the time. It’s crazy. So we’re living in a history book right now. I really believe that. I think it’s going to continue to get… more and more like this because I don’t believe that there’s a guarantee that just because the Fed cuts rates, that mortgage rates are going to come down.
SPEAKER 12 :
Correct. Really? Right.
SPEAKER 20 :
Yeah, because I tell you all the time, it’s the 10-year treasury that drives mortgage rates, not the Fed. Rates on car loans will immediately drop. Rates on home equity lines of credit will drop. And rates on credit cards will drop because they’re tied to prime. Okay. They’ll drop. But mortgages are not tied to prime. They’re tied to the 10-year treasury. We don’t usually have a Fed that’s cutting rates unless we have something going on, like high unemployment or a sputtering economy that they’re afraid is going to go into a recession or COVID. Well, inflation, they would raise rates. So deflation. Like we had COVID. We had the banking crisis of 08. We had the dot-com crisis of 02. Those were periods of time when we had a decreasing interest rate environment where the Fed was cutting because they were worried about the overall economy. Right now, we have percolating unemployment. It’s been at like 4.1, 4.2, which is basically full employment for a long time now. Yeah. We’re still not seeing mass layoffs. You and I talk about it. Which I don’t want to see. No, nobody does. Nobody wants to see any of that bad stuff.
SPEAKER 12 :
Right, but that’s what causes rates to go down.
SPEAKER 20 :
That’s usually a precursor where the Fed says, look, we have to spur this economy. We have too many people out of work. We have a sputtering economy. We need to lower rates to increase activity to make people borrow more so that they spend more. Right now we have full employment. The data is not bad. The economy is seemingly humming along. And then you cut rates into that and spur borrowing and spending. You could spike inflation. And if you do that, rates are going to go up, not down. So we’re living in a historical time. And you and I talk on our Wednesday calls. There’s no doubt that if they cut rates, it will cut the interest we’re paying on the deficit, which is what Trump refers to a lot. It would save billions in interest. But that doesn’t help you and me. That helps the overall government spending and their outlook for their deficits and stuff. But that doesn’t move home rates. So it’ll be interesting. And I don’t know the right answer if someone wants to. Some people say housing will get better. Other people say, I don’t know, it could get worse. I’ve heard both sides, and we don’t know until we see.
SPEAKER 17 :
In your perfect world, what would you like to see, Karen Levine?
SPEAKER 12 :
I would like to see the government get out of housing in the respect of policy and make product more affordable. And that’s by doing things like not requiring solar on homes, potentially, not requiring you to recycle, not requiring greenhouse roofs in Denver, Texas, city and county, all those policies create costs to the consumer. And people are leaving our state because of the cost of housing. We blame it on interest rates. Interest rates are, you hate to say it, they are at an average of my career. When I got into the market, my friends were like, you are so lucky. Rates are not 18% anymore. They’re only 12%. Granted, housing was more affordable. The price was. The price. The price was more affordable. We’ve talked about land is a limited resource. And when there are more people, there’s more housing needed. And you have to become more dense. And in many cases, that’s the desire of the people as well. Because they want to work closer to where they live. And that’s great if the market dictates it, but not if government dictates it. Correct. Correct. But you also have to understand that as government has operated over the years, both historically and currently, that they look to see how do they best meet the needs of the people. Ha ha. And so if we’re seeing we need more density, then that may mean changes in zoning. Right. That has to happen at a government level. So it could be spurred on by the people, which is how government should work, right? But I think what I get frustrated with is private property rights were torn apart at the state legislation this last year. How so? Well, my investors are looking to get out of the investment market because of the rules on landlords. If somebody defaults, if a tenant defaults, and they want to get their property back, minimally, it’s 90 to 120 days, that’s no income to that investor.
SPEAKER 17 :
And they may have commitments they have to make for a mortgage or something. Hello, yes. So we’re going to visit this when we come back. In studio with us is Karen Levine, Remax Realtor. We need to have some phone numbers. What’s your phone number if people want to reach you?
SPEAKER 12 :
Well, my phone number is 303-877-7516. And again, that’s Karen Levine, 303-877-7516. I think I have yours memorized. You should.
SPEAKER 17 :
303-880-8881, right, Lauren Levy? Yep. That’s 303-880-8881 for everything mortgages anywhere in the country, just not New York. And we have these discussions because of our sponsors. And we’re going to hear about the spot for Lauren Levy.
SPEAKER 09 :
The current level of interest rates is causing challenges and creating opportunities. For nearly 20 years, mortgage specialist with Polygon Financial Group, Loren Levy, has helped individuals realize their hopes and dreams of homeownership, fund kids’ educations through second mortgages, and access capital by utilizing reverse mortgages. Loren’s not constrained to work with just one lender. Because he works with many different lenders, Loren offers you choices for your individual mortgage needs. Knowledge is power and preparation leads to success. Call Lauren Levy at 303-880-8881 so that you are prepared for the opportunities in the mortgage market. That’s Lauren Levy at 303-880-8881.
SPEAKER 14 :
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 Munson 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 Munson 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 kimmunson.com, Spotify, and iTunes.
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SPEAKER 17 :
And welcome back to The Kim Munson Show. Be sure and check out our website. That’s KimMunson, M-O-N-S-O-N.com. Check out the website for the Center for American Values. That website is AmericanValuesCenter.org. They’ve got a lot going on in September and October. So check that out. And again, they’re located in Pueblo. They’re nonpolitical, nonpartisan. and check that out i just realized that i had this thing that i was going to ask you about karen levine i didn’t write it down and now i forgot what it was do you remember no we don’t remember so i’m going to mean from the last segment yeah for the last segment i had it well i was i don’t know i was ranting about policy and the last session and um and landlords and oh yeah I know what I was going to say. And that is, yes, this last legislative session. And again, the Colorado Union taxpayers, great work that we’ve done, all volunteers. And that is what I saw was when you said investors, you’re talking about everyday individual people that might buy some property as a rental. And they’re wanting to maybe create some cash flow. And also they may have a mortgage on it so that they can pay that mortgage down and create wealth. That is the kind of investor that was under legislative assault down at this state legislature. But then I had to do an airport run yesterday, and I see… Project after project of these huge apartment complexes. And they’re getting favorable tax treatment. And I’m blanketing that. Every deal is different. But favorable financing, favorable permitting, favorable all kinds of things for that. But there was a real assault upon the everyday mom and pop that wanted to invest in real estate to create wealth for themselves. Mm-hmm.
SPEAKER 12 :
We’re beating up the middle class. Not we, they. But the middle class who is building wealth through making those type of small investments that are long-term. Real estate, it should be long-term. It is not intended to buy today and sell tomorrow and make a big profit. It never has been. It’s over time. And so… I had a client who built their investment portfolio over a decade of time, and they saw the changes in the policy, and it was so detrimental to them. They’re like, we don’t want to navigate this. Someone doesn’t pay their rent to us, and we’re the bad guy? That’s wrong.
SPEAKER 17 :
It is. And, Lauren, I know you’re over in the mortgage arena, but this would be difficult. Somebody that’s got this investment property, they have a mortgage. The bank doesn’t say, oh, you don’t have to pay your mortgage, right?
SPEAKER 20 :
Heck no.
SPEAKER 12 :
Oh, we’re so sorry your tenant’s not paying their rent. We’ll put you on hold. No, they don’t.
SPEAKER 20 :
Nor does the county not want their property taxes.
SPEAKER 17 :
Yeah. Right. Right. So there has been, you said it, they’re beating up on the middle class. And that’s the big part of the American idea was that everyday people could keep most of the fruits of their labor and in doing so could create wealth for themselves and their families. And the American middle class, that’s why people have… wanted to come here for the American dream. And I’ve said, if you want to come here for freedom, let’s figure it out. If you want to come here for free stuff or if you want to hurt us, I don’t think we really want you here. And that’s where this whole immigration thing has been such a big question, Lorne Levy.
SPEAKER 20 :
Yeah, and I think, you know, you asked Karen a question, like, what would she like to see? You know, she wants the government out of housing. You know, I know sometimes when I come on, I talk like I’m not negative on rates or negative on… I just try to be honest because I want people to make accurate decisions. I wouldn’t name anybody, but I could name five different clients of mine that a year ago I called and said, hey, you’re at 6.99% on your mortgage. I can drop you to $599 today and it would cost you hardly anything in closing costs. And they all said to me, this was last fall. Trump was, he came in office in February. So this was last fall. Yeah, January 20th. So this was last fall. And they all said, no, I want to wait. Trump’s coming in and rates are going to go down. And they went up. And those people now for a year have been making mortgage payments at $699 when they could have been making them at $599. One person I was going to save $350 a month. So that times 12 is like over $4,000 out of their wallet that they didn’t have to pay. For limited to no cost on the loan. So I just want people to be educated as they make decisions to wait or not wait. Because who wants to waste $4,000? You can do a lot with that. Get ski passes for your whole family for one year. But no, you’re paying it to a bank in interest when they’re like, no, rates are going to go even lower. I’ll wait and do it then. And they didn’t go lower. Yeah.
SPEAKER 17 :
But you could then, let’s say if interest rates were cut, you could do that again.
SPEAKER 20 :
Yeah, as long as the fees aren’t prohibitive, and that’s where we try to help. So these people that I’m seeing, it wasn’t going to be $5,000 in closing costs to save $4,000. It was going to be $500 to $1,000 after everything, just the way I could help them to save $4,000. And that’s only in 12 months if they stayed longer. Rates haven’t dropped yet. So now I know for a fact people are probably going to say, well… Trump is really pushing on the Fed. He’s going to replace these governors. Powell’s going to cut. Rates are going to drop. I’m going to keep waiting. And I don’t know what’s going to happen. I know what rates are today. I tell you that all the time. I know what rates are today. And if you can get something you like, do it today. Six months from now, you can always reevaluate.
SPEAKER 17 :
Well, that makes sense. And it’s just human nature, Karen Levine. And you see that in real estate all the time. People are now saying, oh, I’m taking a loss on my house if I have to sell it.
SPEAKER 12 :
They’re not taking a loss if they… if they weren’t going to sell it at the price when it was at the highest, right? You don’t lose what you didn’t execute on or you didn’t win on what you didn’t execute on. And I think it’s interesting is that I really, and again on our weekly calls, I really try to encourage people that if you’re looking to invest in real estate, whether that’s homeownership or an investment property, July and August had some amazing opportunities if I helped you find a motivated seller. If rates do move down, there will be more buyers in the marketplace, which will cause competition for potentially the house you like that you could have bought maybe better with no competition now.
SPEAKER 20 :
Well, and things are relative. If Karen’s going to list your house and you thought you could get $900 for it, now you can only get $875. And then if you’re just selling and you’re moving to Iowa, fine. But if you’re selling and you’re going to move three blocks away, then you’re going to probably pay $25,000 less for that house.
SPEAKER 17 :
Right.
SPEAKER 20 :
Because it’s all equal. So you’re not losing money because you’re saving it on the backside.
SPEAKER 17 :
Right.
SPEAKER 20 :
Likewise, if prices are going up, you’re going to get more for your house, but you’re going to pay more for the replacement because it’s a market.
SPEAKER 17 :
Mm-hmm. Mm-hmm. Okay, that makes a lot of sense. So we’ve got, gosh, we’ve got just a few minutes left. I always learn a lot on this. And I think the thing is, and we talk about, well, like with Mint Financial, strategies. There’s the big picture, but people have to look at their own potential economic freedom, their own situation. So it could be with their investment portfolio, with their mortgages, and with their home or their living situation. And so it’s important to work with professionals, people that strive for excellence, that care deeply about their clients. And that’s why I’m honored to work with you guys on this. So let’s, we’re just about out of time. So Karen, your final thought on all of this.
SPEAKER 12 :
Well, I think my final thought is maybe to plant a seed in ourselves, in your listeners, is that we have elections coming up, and they’re important from the standpoint that a lot of city councils will be elected. And government starts… In our communities, right? And for policy to get shaped appropriately, we need to put the right people in the seats. And we’ve seen, I forget the term you use, the radical activists have come into our state and they’ve placed people in our communities that appear… to be one thing. And when they get into their position, maybe don’t act on behalf of their communities. So let’s be mindful. Let’s try to seek out those who care about their communities and want to make where we live better, not by increasing our taxes, but by helping take away policy.
SPEAKER 17 :
I like that. Lauren Levy, your final thought.
SPEAKER 20 :
I would just say that I realize that all the stuff we talk about is individual. What’s important to one person may not be important to another. I would love mortgage rates to come down. That’s what I do for a living. I would want to refi everybody that walked by. Hey, come over here.
SPEAKER 17 :
We’ll see you with a clipboard out at the grocery store.
SPEAKER 20 :
How can I help? and that’d be great because I want people to save money and I want to help everybody have an easier life and a lower monthly payment on their home. However, if rates drop too much, too fast, those very same people that might then be spurred to move It might be one of 30 offers on every house that they go to buy and might be surprised that that $600,000 house sold for $720,000. So there’s always things to take into consideration. So it’s really important to talk to somebody and have your ducks in a row.
SPEAKER 17 :
Okay. And your number, Lorne Levy? 303-880-8881. And Karen Levine, what is the best way for people to reach you?
SPEAKER 12 :
303-877-7516.
SPEAKER 17 :
Well, I always appreciate both of you. And both of you also are sponsors of America’s Veterans Stories. And we are dusting off some of the interviews that we’ve had in the past with some of these World War II guys. And I really appreciate you bringing these stories to the airways as well. So thank you. Our pleasure. And our quote for the end of the show is from John Locke. And he said this. He said, and subverts the end of government. We saw that in this special legislative session. There was an end run around Tabor. They did not cut spending and increased taxes and fees to the tune of almost $330 million plus. And so just take that quote from John Locke and think about that. So today, my friends, 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 13 :
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.
