Join Kim Monson on a journey through the critical issues facing Americans today. From the debate over Social Security taxation to the fundamental rights enshrined in the Second Amendment, Kim offers insightful commentary and analysis. Listen in as she exposes the challenges of navigating government regulations, the importance of preserving personal liberty, and the role of individuals in shaping the future of their communities.
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It’s the Kim Monson Show, analyzing the most important stories.
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The socialization of transportation, education, energy, housing, and water. What it means is that government controls it through rules and regulations.
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The latest in politics and world affairs.
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Under this guise of bipartisanship and nonpartisanship, it’s actually tapping down the truth.
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Today’s current opinions and ideas.
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On an equal field in the battle of ideas, mistruths and misconceptions is getting us into a world of hurt.
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Is it freedom or is it force? Let’s have a conversation.
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indeed let’s have a conversation and welcome to the kim monson show thank you so much for joining us you each are treasured you’re valued you have purpose today strive for excellence take care of your heart your soul your mind and your body my friends we were made for this moment in history and 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 monday producer joe happy monday kim And we’ve got another great show planned for you today. So be sure and fasten your seatbelts. Check out our website. That is Kim Monson, M-O-N-S-O-N.com. Sign up for our weekly email newsletter there. You can email me at Kim at KimMonson.com. And thank you to all of you who support us. We are 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 it’s never compassionate nor altruistic to take other people’s stuff, whether or not it’s their rights, their property, freedom, livelihood, opportunities, childhoods, or lives via force. And force can obviously be a weapon, but we’re seeing it with policy, unpredictable and excessive taxation, fear, coercion, government-induced inflation. agenda of the World Economic Forum and the globalist elites. And we’re seeing that played out through the United Nations, this Colorado State Legislature, this governor, but we’re also seeing it at local county levels as well. So we need to really watch that. We had Mark Kostelik and Blaine Clark on last week to talk about the rewrite of the land use codes in chaffey county which is a real assault upon property rights and so we’re in a we’re in a battle for freedom right now and that’s why what we’re doing here kicking the tires on these ideas every day is so important the left constantly is out there talking about issues. Well, those of us that are working every day, taking care of our families, we normally will, oh, that issue, I’m concerned about that, that issue, I’m concerned about that, instead of understanding that we need to be looking at big picture, which is what we do here at the show, and helping you get your brain around these issues so you can engage and talk with people before the issues are presented so that you’ve already laid all that groundwork. And on the show, we focus on the issues, not the personalities. Of course, we’ll talk about the people that may be pushing those issues, but we want to stay focused on that. We are an independent voice on an independent station, and I appreciate all of your support as well as our sponsors. And I wanted to say thank you to Laramie Energy for their gold sponsorship of the show. It’s reliable, efficient, and affordable, and abundant 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. Our word of the day, let me get over here to it, is proffer. And it’s spelled P-R-O-F-F-E-R. And I pulled it from Alan Thomas’s great essay that we published this weekend regarding our children. This whole culture war for our children is the front line where we need to be really engaged. But proffer means to offer for acceptance or to tender. to propose to give, to proffer a gift, to proffer services, to proffer friendship. It could also be to say or attempt of one’s accord to undertake or propose to undertake. Our quote of the day, I went to Thomas Jefferson. And he was born in 1743. He died on July 4, 1826. And as you know, he and John Adams died on the same day, July 4, 1826, 50 years later. after the Declaration of Independence. Is that not divine providence or what? So Thomas Jefferson was an American founding father, third president of the United States. He was the primary author of the Declaration of Independence. He was the nation’s first U.S. Secretary of State under Washington. He was the nation’s second vice president under John Adams. He was a leading proponent of democracy, republicanism, and natural rights, and he produced formative documents and decisions at the state, national, and international levels. And he said this, and this is very prescient for right now. He said, the last hope of human liberty in this world rests on us. And so just ruminate on that today for a little while. uh we’re going to go through some headlines here the first thing though was talking with zach and he reads a lot of different and zacks are our median media marketing guru he reads a lot of different publications and he mentioned that the new york times had published a piece about this whole jeffrey epstein and the issue and that Trump might have some support that is eroding because of what has happened with that. And I read the article, I’ve been thinking about it, and the whole Jeffrey Epstein narrative out there right now, I think my gut feeling is that it’s a distraction. And a distraction, I’m not sure for what exactly, But think about it. This information, the Democrats had it through the Biden-Harris administration. And I’ve got to think if Trump’s was one of those that was a client or whatever of Jeffrey Epstein and his island, that would have been all over Trump. the newspaper during the Biden-Harris administration. The narrative that I have heard is that that Epstein and Trump knew each other. There’s pictures, old pictures of them together. But I’ve been to a lot of different events where people can snap pictures where I’m standing next to somebody and then you could make that picture look like we were best of friends. So I don’t know, but I know that that can happen. But my understanding is that there was a falling out, that Trump realized that Epstein was a creep. And so I’ve got to think that maybe this is a distraction. I just can’t quite figure out what is going on. And I would be somewhat surprised if – well – I do realize that with Pam Bondi saying she had names and she was standing there with folders and then not releasing those names, that is a bit of a problem. But I think that this is a bit of a distraction because, again, if Trump was implicated in the Jeffrey Epstein Island, that would have been all over the papers forever. during the biden harris administration and you know that the democrats would be using that big time so i’ve got to think something just it’s a stay tuned it’s just a gut feeling i don’t know what’s going on for sure with that so uh with that though it is monday and that means that we get to start the week off with a weekly update with jody hensley with mint financial strategies jody happy monday Happy Monday, Kim. Glad to join you. It’s good to have you as well. And a lot is happening. Now, the Fed is going to meet this week. Do you have any crystal ball what you think is going to happen?
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Well, I’m hoping, like we talked about last week, that they will finally do the right thing and lower interest rates. So fingers crossed. I guess we’ll know here in a couple of days.
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And so there’s a lot going on out there and on a personal level. I know that people that are on Social Security, looking at Social Security, in the big, beautiful bill, apparently there is a break of some kind for those on Social Security. So explain that a little bit.
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Yeah, I mean, over the last month, we’ve been having a lot of conversations about the one big, beautiful bill and some of the provisions. And I think one of the big things that we’ve been talking about and pro-offering some clarity is around this senior deduction. And with the senior deduction, I think that was the administration’s way to kind of meet their campaign promise of no tax on Social Security. But it doesn’t actually do that anymore. And you can’t actually make changes to Social Security through reconciliation due to the Byrd rule. So this was kind of their workaround, if you will, temporarily because, again, they couldn’t do it through that process. Now, there are two standalone bills currently in the House, Bill 904 and 1040, which is working its way slowly. that would eventually, hopefully, if it can get bipartisan approval, that would exclude taxation on Social Security or fully eliminate it. But those haven’t even worked its way through the committee. So, again, this was kind of their workaround. But it does not eliminate taxation on Social Security or All it does is provide an additional standard deduction above and beyond the normal standard deduction. And so we’ve been having a lot of questions around that. And then to further muddy the waters, the social security administration sent out an email that was a little misleading now i’m not on social security so i didn’t get a copy of the email but i had one of my clients send it to me and i read it and i can understand why people were confused i mean it specifically said the new law includes a provision that eliminates federal taxes on social security benefits for quote unquote most beneficiaries But again, it does not. All it does is give people over the age of 65. an additional $6,000 deduction that’s not tied to itemization. But there are some guardrails around that. So you need to make sure that you’re talking to your CPA, your accountant, or you’re really looking at what those guardrails are. The good thing is you don’t actually have to be collecting Social Security to be eligible for that standard deduction, but it is temporary. It ends in 2028, and there is a phase-out. So the phase-out means that if you are If you have income over $75,000 as a single filer or $150,000 as a joint filer, you may only be entitled to some or maybe none of that standard deduction. So that’s what we’ve been kind of dealing with over the last month is just providing some clarity around that.
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Jodi, my eyes are glazing over as you’re telling me this. So that’s why people should be working with you at Mint Financial Strategies, because most of us don’t have the time to focus on that, to understand it. That’s why working with a professional like you is so important.
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It is because there’s a lot of rules around this type of stuff. And like I said, I think, you know, they make it a little bit simplified. And so that you have to work with somebody who understands the ins and outs of these types of things.
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Absolutely. So people can reach out to you and have a complimentary appointment at Mint Financial Strategies. What’s the best way for people to reach you?
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They can text us at 303-285-3080. Again, that’s 303-285-3080. Or you can reach us out on the web, which is MintFS.com.
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So MintFS, like FinancialStrategies.com. Jodi, thank you for all the great information that you give to us. We’ll talk with you next week. Thanks, Kim. Bye-bye. And again, that’s Jody Henze with Mint Financial Strategies. And you certainly need that professional like Jody to help you with your own economic freedom. She can help you do that. And regarding your insurance, you should reach out to the Roger Mangan State Farm Insurance Team because they know that life can be very complicated and they will answer your caller text 24 hours a day, which that is really remarkable. That’s That gives you a lot of comfort. And so give them a call, 303-795-8855. Like a good neighbor, the Roger Mangan 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 Monson Show is here to help. Kim searches for truth and clarity by examining issues through the lens of freedom versus force, force versus freedom. Tune in to The Kim Monson Show each weekday, 6 to 8 a.m., with encores 1 to 2 p.m. and 10 to 11 p.m. on KLZ 560 AM, KLZ 100.7 FM. The KLZ website, the KLZ app, and Alexa. Play KLZ. Shows can also be found at kimmonson.com, Spotify, and iTunes.
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And welcome back to The Kim Monson Show. Check out our website. That’s Kim Monson, M-O-N-S-O-N.com. Sponsor of the show that’s been a great sponsor for many years for both The Kim Monson Show and America’s Veterans Stories is Hooters Restaurants. They have locations in Loveland, Westminster, and over here on Parker Road. Great specials Monday through Friday. For lunch and happy hour, great nachos. Highly recommend those. So be sure and check that out. And out there, the restaurant business, the businesses in, the small businesses in Colorado really have challenging issues with food. taxes and forced minimum wage and the Family Leave Act, just a whole bunch, or not act, it was a piece of legislation, it was an initiative. And so it’s important that we support our local businesses and certainly Hooters restaurants would greatly appreciate that. I wanted to say thank you to the veteran groups. And Pam Long mentioned that I had sent this over. Remember Governor Polis’s pedestrian bridge? It was going to be $28.5 million. And one thing was interesting. I was looking at a news feed that leaned more to the left. And they had the price wrong on that. Now, maybe it was just a typo, but they had it $10 million less. It was a proposed $28.5 million multimodal bridge across, I think it was across Lincoln, to the park across the street from the Capitol. And as Polis was realizing he was getting a lot of bad press about it, he said, okay, we’re going to do a survey. And at that point, I was concerned that he’d probably have all of his supporters really come in and support in that survey. But veterans groups came in big time to say no. And Pam Long said, be sure and say thank you to our veterans groups. And so this is from… Complete Colorado, it says a variety of organizations representing Colorado’s veterans were speaking out against that proposed pedestrian bridge project that was proposed to be built between the state capitol and Lincoln Veterans Memorial Park. And And it was important to realize that Lincoln Veterans Memorial Park was built to honor and memorialize U.S. veterans and is protected by the state as a permanent memorial. And so veterans groups came in big time to say no. And I want to certainly give a shout out to all of them. So thank you for doing that. I wanted to share with you something that Mary Jansen had sent over. I don’t know the source of this, and I did some editing on it, but when I was on city council, one of the things that I was uncomfortable with, as you would have groups come together to talk about different government projects, and government doesn’t produce anything, right? So your PBIs, your politicians, bureaucrats, and interested parties, all the programs that they come up with have to be funded by taking from the people. And certainly it can be taxes, but it can be fees. And so you see all these different PBIs come together at a table. And they say, well, we need to compromise. We want to have a seat at the table. Well, who doesn’t have a seat at the table is the everyday hardworking people that are out there at their jobs, their businesses, taking care of their families. And in a Republican form of government, our representatives are supposed to be representing we the people to protect our property, to protect our rights. But instead, their seat at the table is trying to figure out how to take more responsibility. from everyday people. So this was a really important piece, and I changed a little bit of it, but I thought it was good to share this with you. It was titled, Maybe I’m Not Cut Out for Politics Because I Can’t Pretend This is Normal. It says, compromise has become the language of surrender. In politics, it’s the word used to make betrayal sound noble. Politicians on both sides of the aisle use words like compromise, negotiate, and a seat at the table as if freedom is something we’re supposed to bargain with. Every time those words are used, someone loses a piece of their liberty, and it’s almost always the people who can least afford to give it up. The Constitution wasn’t written to help politicians to get things done. It was written to stop them from doing too much. It was created by the people to protect the people. The Bill of Rights doesn’t grant permission. It draws a hard line. It says these rights are off limits. Government doesn’t touch them. Not for convenience, not for consensus, and not for unity. But over time, that line has been erased by legislation and buried under bureaucracy. In today’s America, a person can’t build a home, dig a well, move cattle, or start a business without going through layers of agencies and permits, fees, regulations, and environmental reviews. There’s a tax or restriction on almost every basic part of life. And when people push back, they’re told it’s just how the system works, that we all have to give a little. Working families are taxed on their homes, their vehicles, their land, their income, their fuel, their food, and their phone lines. Then they’re hit again with fees, surcharges, compliance forms, mitigation plans, impact studies, and mandatory approvals. It’s economic punishment for trying to live free. And what does all this fund? A government that tells the people how to live while forgetting who it exists to serve. And what does all this fund? Oh, excuse me. And this isn’t about balance. It’s about civility. It’s about the people. The Constitution is not an outdated idea. It is the last firewall between the people and a government that will always grow if left unchecked. Liberty is not a theory. It’s the lived condition of men, women, and children who deserve to be left alone, to raise their families, to worship their God, work their land, and speak their minds without asking permission. Once that liberty is gone, it doesn’t come back. And if anyone in office still believes that compromise is the goal, they’ve already forgotten who this country belongs to. Maybe the future is nothing but compromise all the way to socialism. And then I wanted to share the piece went on to was a little bit defeatist. And so I thought I would change that a little bit. I said, I’m so grateful for our founding fathers and mothers that they did not give up. I’m grateful for those that fought for the ideal that all men are created equal with inalienable rights from God of life, liberty and pursuit of happiness. I’m grateful that God put us here and now to engage in this grand battle of ideas in our third founding of America. My friends, onward. We shall overcome. And so I just thought that that was really important to share with you. Now, I know that there are those that would say, well, in the founding of America, there had to be compromises. And that is true. They had to compromise regarding slavery, although they did put in the Constitution that the importation of slaves would stop after 20 years. So they were continuing to wrestle with that. But their compromise, their compromises occurred because they were working towards this ideal of liberty. What we have now is compromise as we’re giving up liberty. And those that have said that they reach across the aisle, some of these politicians, these people that we have elected, have reached so far across the aisle that they’re standing on the other side. And so we need to be electing and supporting people that understand liberty, which is the responsible exercise of freedom. And this is at a critical time in our country. The next 15 months until the 2026 elections are a time that each and every one of us needs to roll up our sleeves and be engaged. And we had big news I mentioned last week. that Marlee Hornick with United, well, Unite for Freedom, formerly United Sovereign Americans, as you know, many of you supporters, listeners, we stepped forward and raised the money for two lawsuits regarding our elections. Unite for Freedom will be amending the lawsuit that you all helped fund and will be naming Jenna Griswold and Phil Weiser as In the lawsuit for, I don’t know the exact what it’s going to say exactly, but basically they’ve been certifying elections in Colorado that are not certifiable. And if we do not have free, fair, honest, and transparent elections, we don’t have a country. And so Unite for Freedom will be focusing on Colorado as well as we’ll be focusing on New York. This is absolutely huge. And it’s because, as Mary Jansen again says, inch by inch, life’s a cinch. And so this has been an inch by inch thing. We started raising the money. Last summer for these lawsuits, and it takes time to make all this happen. Now, one other thing that occurred is several of you stepped forward to fund a voter study of Jefferson County. And the results of that, we found that. And when I talked to Marley last week, she said what they did is with great statistical analysis, she said it’s really more like a biopsy. They took a number of random voting records. And what they found was a little over almost 6% of the voters had votes. issues, we’ll say. And then also there was about 6%, and there might be some carryover between the two of those voters, did not have Social Security numbers. And so that is also, I think, going to be part of this next step with Unite for Freedom and the lawsuits that you all stepped forward to get funded. And, again, if we were going to begin to do that right now, I would say it’s too late. That would be a year down the road. We’re right up against the 2026 elections. So I don’t know where this is all going to end up, but I do know the good Lord has put it on our hearts, this step, this step, this step, and I think something really big is going to happen with all of this. Did want to mention the Center for American Values. I did a road trip on Saturday, and so I was able to listen to one of the podcasts that Drew Dix and Brad Padula, Drew Dix is a Medal of Honor recipient, and Drew and Brad are the co-founders of the Center for American Values. And Drew has started this podcast, Words from the Silo, and he’s got great perspective. And they talked about partisan politics. And I really thought it was very well done. And I would highly recommend that you check that out. And again, the center is nonpartisan. It’s nonpolitical. But they also search for truth. And I’d highly recommend that you check that out. The center is located in Pueblo on the Riverwalk. And they do a number of things on our Medal of Honor recipients. They have a great program that they’re going to have in September for educators. And you can get all the information. Just check all that out by going to their website, which is AmericanValueCenter.org. That’s AmericanValueCenter.org. And she’s going to be in studio for the second hour as well as Lauren Levy. But that is Karen Levine with RE-MAX Alliance for everything residential real estate here in the metro market.
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All of Kim’s sponsors are an inclusive partnership with Kim and are not affiliated with or in partnership with KLZ or Crawford Broadcasting. If you would like to support the work of The Kim Monson Show and grow your business, contact Kim at her website, kimmonson.com. That’s kimmonson, M-O-N-S-O-N dot com.
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And welcome back to The Kim Monson Show. Check out our website. That’s KimMonson, M-O-N-S-O-N.com. Text line is 720-605-0647. And did hear from Yvonne on the text line regarding, I had mentioned about this reaching across the aisle that… Many people have reached so far across the aisle from the center right that actually they’re standing on the other side of the aisle over there with the radical left. And Yvonne said this. She said, the American way of thinking. America stands for freedom, and that is the only reaching out, not to compromise, but to persuade. Well said, Yvonne, well said. On the line with us is Colonel Bill Rutledge, retired United States Air Force Colonel. He is 97 years young. He had a birthday last week. Colonel Rutledge, welcome. Thank you. Thank you. And you read extensively, and you’ll reach out and you’ll say, Kim, I think this is an important subject for people to understand. And you had mentioned Typhoid Mary. I’ve heard of Typhoid Mary, but I didn’t really know much about her. So set this up for us, Colonel Rutledge.
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Well, in the early 1900s, Typhoid Mary, Fever was a very serious disease in America. It killed thousands of people every year, and most people survived. However, it was a very dangerous situation, and they really at the time weren’t sure how people would contract the disease. They didn’t know whether it was contagious from person to person, They didn’t know whether it was environmental. And they were even in early stages, many of the doctors didn’t even believe in bacteria. So it was an odd time. And Mary was born in Ireland back in 1869 in a county called County Tyrone, which is in the northern part. It’s not in the British-controlled area, but it’s in the northern area. And she came to America when she was only a teenager. She was 14 or 15, and then she came by herself because she had some relatives who lived in New York City, an aunt and an uncle. And they were fairly elderly. but she lived with him for several years. And Mary was not a personality involved in anything other than just trying to make her way in the city until about 1906 when a new epidemic broke out. And at that time, the… was so endemic in the city that New York had hired what came to be known as a sanitary engineer. He actually had gone to medical school and learned about diseases and transmission, but they were hiring him to see if he could track down the source of the typhoid disease and whether or not there was a contagion involved. And he was a very specific scientific person and he would go and trace when something would break out and see if he could determine what the source of that was. And generally speaking, it would be waterborne and so several people would be there. would be in the same family might have typhoid. But when you had individual situations where only one person in the family might get sick, this made him believe that it was transmitted by another method other than just the water because the environment was the same, the water was the same for other members. So this gentleman started tracking And eventually, in 1906, he came up with Mary. Mary’s name, because she was a cook, and she was working for wealthy families on Manhattan and on Long Island, and she would move from place to place depending upon the season and the year. One of the things that made it easier to track people down was that people that were cooks, generally for prosperous families, would work through an employment agency. So he found out who her agent was, and then he backtracked, and he found out that over a period of several years that… there had been other occasions where Mary had been the cook and someone in the family would contract the disease. Now, sometimes it would be more than one. There was one occasion where there were four other house servants who all came down with typhoid. And so he did this systematically. And he found that over a period of about six or seven years, in each place where Mary had worked, generally someone had gotten typhoid. So it was a long process and very systematically. But this gentleman who was tracking her was very competent And so he finally believed that Mary was the person. And he had studied research that had been done in Germany by Dr. Koch, K-O-C-H, who was a German scientist in the bacteriological field. And he had found that statistically in certain diseases, There were people who were called silent transmitters. They actually carried the disease or bacteria within their system, but they showed no symptoms. And therefore, they didn’t know they had it. No one did. They, generally speaking, were quite healthy and healthy. So consequently, they were dismayed if they were challenged. And this is what happened to Mary. The doctor came to the house and explained to Mary what the theory was and said that he would like to do tests. And the tests comprised of doing a blood test and urine and feces samples. and they would go to the hospital and take these, and you go to the hospital medical lab, and they had a way to determine that this was a positive culture. But Mary was so indignant that she was working in the kitchen when he arrived, and so she had a big fork in her hands, that she used cooking, and she attacked him. And he was so frightened, he ran out. And he was fearful of going back to the home. So what he did, he approached a lady doctor who was more courageous. And the lady, though, realized that Mary was not going to be able willing to come with her either. So she got four policemen to go with her to Mary’s house. And they needed four to apprehend her and take her in the ambulance to do the tests. And she was very rebellious. But when they kept her there long enough, they were able to gather the samples to determine Yes, Mary is one of those very small percentage of carriers. So this is when the story started to begin. And, of course, later, when it got to be a news item, that’s when she became the famous Ty Ford Mary.
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Now let’s explain typhoid just a little bit, or typhoid fever. It says here that it’s a disease called by salmonella, and symptoms vary from mild to severe, usually begin six to 30 days after exposure, and often there’s a gradual onset of high fever, often several days, and then commonly accompanied by weakness, abdominal pain, constipation, headaches, and mild vomiting. We hear from time to time about issues with salmonella in our food today, Colonel Rutledge.
SPEAKER 06 :
Yes. In those days, they didn’t know that. All they knew was that it had those symptoms, but they didn’t know that salmonella was the basic chemical composition that had to be attacked. and therefore that they had to try to develop some sort of an immunity for it. It so happened in that same decade that my father and his three siblings all got typhoid fever. They were living in South Carolina. And they had come to believe that it was possibly transmitted by water, but they weren’t sure. And it so happened they had recently moved to South Carolina and were living in a house that drew their water from a well. The problem was the well and the house were right adjacent to the cemetery. And they speculated that this might have been contributing to the situation. But nevertheless… Fortunately for them, they moved away from that area before too long. But it was also an era when they didn’t have screens on the porch and in many places did not have city water. So there was a whole process of public health improvement by having a central water system They would be piped to the individual homes and would go through a purification process. But it was still an era when many, many homes in some places, if there are small towns or rural areas, they were dependent upon wells. When I first moved to Florida when I was only nine, we had to have a well because we were not in the city limits. Fortunately, our water was okay.
SPEAKER 09 :
Okay, so let’s continue the discussion. I love to take these little trips down history as well. We get so focused on what’s happening right now, just right here in front of us. I think it’s important to understand history. And Colonel Rutledge has traveled the world. He has this interest in people and places and history. And I’m so pleased that he shares that with us. And we get to do all of this because of our sponsors. And we’ll talk with him next hour as well. And that is Lorne Levy for Everything Mortgages.
SPEAKER 14 :
We’ll be right back.
SPEAKER 03 :
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 02 :
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SPEAKER 09 :
And welcome back. We are talking with Colonel Bill Rutledge regarding Typhoid Mary. From the early 1900s, and typhoid was a serious illness that is caused by the bacteria Salmonella through contaminated food and water. So, Colonel Rutledge, Mary has been taken by four policemen to do tests on her to see if she is a silent carrier of typhoid. So tell us what happened.
SPEAKER 06 :
Well, the tests were taken, and it proved that she was a carrier. And by being a carrier, it meant that And her actions, especially by being a cook, this was a thing, that she had no symptoms, but she was able to transmit this terrible disease by her actions in handling food. And as a cook, this is the key, because she was employed by wealthy people And she had a good personality. People liked her. She seemed very healthy and strong. But nevertheless, in the process of handling food with your bare hands and perhaps just the breathing, they’re not sure exactly how it would be transmitted. But nevertheless, she was the variable in the family. And… So when they found out that she was definitely one of those maybe 1%, less than 1% probably, carriers, they wanted her to stay at the hospital. But Mary got out of the hospital, and they had to find her again, which they did. And then they took her to a small island in the East River that had one of their hospitals there for patients. for patients, it was principally lady patients, who had various diseases. And one of the odd things is that one of the pictures in the book shows quite a number of the ladies all in portable beds, all very close to one another, but they all, so many of them, had different diseases. So it was not very… from the standpoint that contagious situations can be transmitted by many different ways. So nevertheless, Mary was there for sort of a transitional period, and she still wanted to get off. It was a small island called Brothers Island, and it was far enough away from the shoreline in the Bronx that Mary, it was isolated, and it was intentionally isolated to preclude their exposing other people. However, the island was just large enough that they had some small cottages, and so they put Mary in one of these small cottages and let her live there, and they would bring her meals, and she had her pet dog, and She was friendly. But the basic issue was that she was a prisoner on the island. And what happened was Mary wrote a letter to one of the large daily newspapers in New York telling them of her plight and the fact she was not sick, she didn’t have any symptoms. And she wrote very well. Her Grammar was good. She was an intelligent person. And so the paper took up her story, and a young attorney volunteered to sue the city of New York to gain freedom for Mary. And what happened was there was a compromise made so that the city agreed to release Mary from the island if Mary in turn would come to an agreement that she would not work as a cook. And this was supposed to be just for an ongoing practice, so she would never be a commercial cook in New York City. This lasted for five years. And then what happened was Mary was not making enough money But a good cook, she would support herself quite well. So Mary changed her name, not at the courthouse. She just called herself Mrs. Brown. So she went back to the employment agency this time, and she registered as Mrs. Brown. So she was hired, and she was, again, back into business this time it was really bizarre because her one of her first jobs was working in a hospital and before long a lot of the doctors and nurses came down with typhoid fever oh my gosh and this this meant um Mary is going back to her little house on the little island and going to be there basically for the rest of her life.
SPEAKER 09 :
You know, Colonel Rutledge, I have to question, there’s all kinds of things as I then think about COVID. We could have a lot of conversations about this, but I find it a bit selfish that she would go back to work as a cook when she knew that she was a carrier of that. Don’t you find that odd?
SPEAKER 06 :
Well, I do. And she held out for five years. But I think she never felt really that they knew what they were talking about. She always felt so good. She felt well. She did her job well. And no one, I mean, no matter where she worked, she didn’t always have somebody get sick. But most of the time they did. So Mary had little faith in the health care people. So she did go there. But when you bring your subject up on COVID, it’s interesting because yesterday I called a friend of mine who is a president of Alice Lloyd College in Kentucky. And he had told me when we were doing some research on COVID and its transmission about three years ago that There was a young lady there who had a roommate and she was in the dormitory and they would be tested periodically for COVID. And so her roommate got COVID, but this young lady did not. But even though she didn’t, they were both quarantined for 14 days. And by that time, then she was allowed to go back to class. So then she was dating a young man, and he got COVID. And once more, she was quarantined. This time, she went back to the lady’s dorm, and he went to his dorm. And so this went on. And because of this, me having an understanding of some time people being carriers, and then after reading more about Mary, I called him back yesterday and I specifically asked, I said, was there ever any consideration that this young lady at your college could conceivably be a carrier? And he said, not really. Said we were so wrapped up in everything else that we never gave that a thought. But we do know that there are There have been tests, and there are some other very serious bacteriological diseases that can be transmitted by silent carriers. It’s very few, but it’s possible. I have seen no indication that research has been done on this subject as far as COVID-19.
SPEAKER 09 :
Okay. Hey, Colonel Rutledge, I think we need to have another conversation about this. This is super fascinating, and we’re out of time. So, Colonel Rutledge, as always, thank you, and I really appreciate it.
SPEAKER 06 :
Thank you, and good morning.
SPEAKER 09 :
And we are getting ready for hour number two, so stay tuned.
SPEAKER 20 :
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 13 :
It’s the Kim Monson Show, analyzing the most important stories.
SPEAKER 09 :
The socialization of transportation, education, energy, housing, and water, what it means is that government controls it through rules and regulations.
SPEAKER 13 :
The latest in politics and world affairs.
SPEAKER 09 :
Under the guise of bipartisanship and nonpartisanship, it’s actually tapping down the truth.
SPEAKER 13 :
Today’s current opinions and ideas.
SPEAKER 09 :
On an equal field in the battle of ideas, mistruths and misconceptions is getting us into a world of hurt.
SPEAKER 13 :
Is it freedom or is it force? Let’s have a conversation.
SPEAKER 09 :
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 eat your treasure, your value, you have purpose. Today, strive for excellence, take care of your heart, your soul, your mind, and your body. My friends, we were made for this moment in history. Thank you to the team, that’s producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Teresa, Amanda, and all the people here at Crawford Broadcasting. Happy Monday. Happy Monday, Kim. And pleased to have in studio two of our great sponsors. That is Karen Levine, Remax Realtor. Want to talk a lot about this real estate market and all that’s going on. Great to have you.
SPEAKER 11 :
Great to be here on a Monday morning.
SPEAKER 09 :
On a Monday morning. And Lauren Levy, great to have you as well for Everything Mortgages. You can help people in 49 of the 50 states, just not New York.
SPEAKER 16 :
Thank you. Great to be here.
SPEAKER 09 :
Yeah, good to have you. Wanted to just mention this whole discussion in our number one with Colonel Bill Rutledge regarding typhoid Mary, the early 1900s and typhoid fever. I want to have a discussion with him about how that relates to the whole reaction to COVID. But Gammy, thank you for making this clarification that COVID is a pathogen which is different than a bacteria. And there were false positives on many of the tests with COVID. So this has actually raised a lot of different questions for me. So we’re going to have to have another discussion regarding that. Our word of the day is proffer. P-R-O-F-F-E-R could be to offer for acceptance or tender to propose to give. So to proffer a gift, to proffer services, to proffer friendship, to a say or attempt of one’s own accord to undertake or propose to undertake. So your challenge is to use the word proffer in a sentence today. And our quote of the day is from Thomas Jefferson, born in 1743, died July 4, 1826. Now, Lauren Levy, you grew up in Boston, so I’m sure that you probably know this, that Thomas Jefferson and John Adams died. died on the same day, which was July 4, 1826, 50 years after the Declaration of Independence. Isn’t that amazing?
SPEAKER 16 :
It is pretty cool. I’ve been at John Adams’ gravesite. That’s about all I can say about that.
SPEAKER 09 :
But did you know that they both – I did not. Isn’t that amazing?
SPEAKER 16 :
Yeah.
SPEAKER 09 :
Kind of divine providence. But he said this. He said, the last hope of human liberty in this world rests on us. And Karen Levine, I’m looking at what’s going on in our world in this battle of ideas, and I think that this last hope of human liberty – facing us right now as well. I know that seems a lot to say, but I really think that’s the case.
SPEAKER 11 :
I think a lot of our foundational values are under a test, a great test, all of them coming from all angles. And so what you do here helps us to find clarity in a lot of the things that are going on.
SPEAKER 09 :
so that we can engage in, yes, this definite battle of ideas that is occurring out there. And just several things I mentioned in the first hour, this whole, all these headlines regarding Epstein. I think it’s a distraction. I’m not sure for what. But if Trump was really implicated in all of these Epstein files, I’ve got to think that during the Biden-Harris administration, that that would have been all over the newspapers. So let’s just wait. Let’s connect some dots. Let’s see what happens on that. I did want to say great to all of these veteran groups that came together to – Slammed the door on Governor Polis’ pedestrian bridge, basically from the Capitol across the street, $28.5 million. And veterans groups, and it’s Veterans Park across the street. And they came in and they said, no, this is not a good idea. And Pam Long had suggested to give them a shout out, which they did. wanted to do that as well. We delve into all of these discussions because of our great sponsors, and I wanted to mention the USMC Memorial Foundation, which is one of the groups that I really support, and they will be having their anniversary celebration, the 48th anniversary celebration for the Marine Memorial. Later on in August, you can get more information and buy tickets by going to usmcmemorialfoundation.org. That is usmcmemorialfoundation.org. These discussions happen because we are an independent voice on an independent station. And I’m talking with Roger Mangan with the Roger Mangan State Farm Insurance Team. And, Roger, people, I think they’re confused about insurance, that everything’s expensive, who to talk to. Any suggestions on how to shop for insurance?
SPEAKER 04 :
You know, I’d like to share something with you. We did an analysis between, let me see, seven insurance companies, State Farm included. And they were farmers, AAA, Allstate, Liberty Mutual, Costco, and Nationwide. The prices for a home at $560,000… and a car at, this is actually two cars, an Acura and a Sienna. These are annual prices. And then an umbrella liability policy. So on the high end of those four policies, home, two cars, and an umbrella liability policy, the range was as low as $3,700 for the same coverages, as high as $8,400. So it’s like, when you buy insurance, it’s very difficult to go out and get all those comparisons and do a good job analyzing and organizing the concept on some kind of a spreadsheet. which, by the way, we would be glad to do for you if you would give us permission. I want to highlight a little bit about the finding here. Turned out that Farmers was the highest, and Liberty Mutual at this point was the lowest, $3,700 versus $8,400. The other companies like AAA, they were at 5,200. Allstate was at 5,200. State Farm was at 4,700. Nationwide was at 4,500. The two companies that were lower than all the rest of them, Liberty Mutual and Costco. Liberty Mutual was at $3,700, actually $1,000 a year less than State Farm. The reason for that is they do not have agents. So if you want an agent, you’re going to pay more because the agent gets a renewal commission for the services he provides to you. Costco was actually a little higher than Liberty Mutual. so there’s a lot of ways to shop for it but you want to make sure your situation is probably unique do you really have the correct amount of coverage for your family at this time in your life you have children that drive those children are learning to drive if they have an accident do you have an umbrella liability policy that steps in behind the liability you have in your cars people you know insurance is getting more expensive why should i buy an umbrella I would say you should definitely have. It’s a must because we have a lot of people out there. Do you listen to lawyers advertise on how they’re going to help you get more money out of a lawsuit? And they do. They get a lot of money out of a lawsuit. And if you have base limits, and base today is different than it was 10 years ago, of course, base today would be $250,000 slash $500,000 slash $100,000. If you don’t know what that means, again, call us. We’ll walk you through it. But if you get sued for $250,000, great, your policy is going to pay it. If you get sued for $450,000, All they’re going to pay is $250,000 and you’re out $200,000. An umbrella steps in. Umbrellas are maybe $200 a year. So you really, and I’m not admonishing you, but take the time and pay attention because the devil is in the details. If you just are looking for the lowest price, then you can go anywhere. You don’t need an agent. But if you really want to protect your family in a very positive and sequential way, we can help you do that. So, Roger, what is that number for a complimentary appointment? Yeah, complimentary analysis would be 303-795-8855. And again, we would need your permission, need some information from you. We would give you a quote, and then you would say, hey, I’m interested in Allstate, or I’m interested in Costco. We could help you put that together.
SPEAKER 09 :
And again, that number is 303-795-8855. Like a good neighbor, the Roger Mangan team is there.
SPEAKER 01 :
Property is surely a right of mankind as real as liberty, wrote founding father John Adams. RE-MAX realtor Karen Levine has been working diligently at the local, county, state, and national levels to protect property rights and home ownership. Karen has navigated the often challenging Colorado metro real estate market for years. Karen Levine is the trusted professional for you to turn to when you are buying or selling your home, considering a new build, or exploring investment opportunities. Realtor Karen Levine. You want her on your side of the table. Call Karen at 303-877-7516. That’s 303-877-7516.
SPEAKER 21 :
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 03 :
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 09 :
And welcome back. Are you ready for financial freedom? Call our friends at Mint Financial Strategies. As an independent firm and an accredited investment fiduciary, they always put your interests first. Mint means more than money. It stands for meaningful relationship, information sharing, a network of smart strategies, and a thoughtful advisor who puts you in control. No cookie-cutter plans, everything tailored to you. So call Mint Financial Strategies today at 303-285-3080. That’s 303-285-3080. In studio with me is Lorne Levy for Everything Mortgages. He works with a lot of different companies and can help you in 49 of the 50 states. Lorne, it is great to have you.
SPEAKER 16 :
Thank you. It’s great to be here today.
SPEAKER 09 :
And thank you for your sponsorship of The Kim Monson Show and America’s Veterans Stories.
SPEAKER 16 :
My pleasure.
SPEAKER 09 :
And Karen Levine, Remax Realtor, and also a great sponsor of the show. You’ve been with me since before the Kim Monson Show, and we’ll be celebrating our eighth anniversary at the beginning of 2026, which is hard to believe.
SPEAKER 11 :
Well, you’re more than halfway through the seventh year, so that is a good thing. That is. Moving right along.
SPEAKER 09 :
That is true. And again, you sponsor both the Kim Monson Show and America’s Veterans Stories as well. Yes. So, Karen, let’s start with you. There is inventory. There’s opportunity. So give us an update.
SPEAKER 11 :
Well, as Kim just said, we have probably the highest inventory we’ve seen in over 15 years. We spent many years, sort of the pre- and post-COVID era, as we refer to it, as complaining about not having any inventory. And complaining that… the appreciation that homeowners were seeing could not sustain itself because we were put in a position of multiple offers more buyers wanting one house because there were so little choice and now we’re in a position that we are moving nationwide and locally to a more balanced market which means there are going to be opportunities for sellers on some properties That are more appealing and maybe in areas that don’t see as much inventory are very desirable and those are going to be more competitive situations and then we’re going to see opportunities in places that maybe haven’t. They just give more choice. So you’re going to have more choices in some communities which say, hey, for a seller that’s more motivated, the buyer may have an opportunity to maybe utilize some of the things that Lauren has to offer, which is maybe a 2-1 buy-down in the interest rate that the seller will pay for. And that offers more affordability to that buyer. So I think buyers need to look at the fact that they have choice. And with choice comes the ability to maybe negotiate on more things than they have in the past. And then Lauren will note that the Fed’s going to meet this week. And I sort of warn buyers that have been sitting on the sidelines and are waiting for those rates to potentially drop that when that happens, some of these opportunities may be less available because there will be more buyers in the marketplace.
SPEAKER 09 :
So preparation would be a good idea, Lauren Levy. If somebody has found, worked with Karen and found a home that they like, And may say, well, I just want to wait because interest rates may go down, which they may. Certainly, President Trump has said he’d like to have interest rates go down. And you and I talked about it last week. Jerome Powell, chairman of the Fed, looks like he’s aging. And when the photo op of them going through the new Fed headquarters and Trump said, this is really, there’s a lot of overruns here. It was an interesting conversation of photo op.
SPEAKER 16 :
It was. I find it surprising how long we’ve been talking about this now. I remember a couple of years ago, people that did 2-1 buy-downs a couple of years ago to get into homes, they’re coming up on that opportunity where we thought we would have refinanced them by now. And so I always caution people, you’re right, preparation is number one. Making sure you can afford the payment that you get today and not banking on the fact that rates have to go down. Because we talk all the time, just because the Fed lowers rates, it’s kind of a misconception that mortgage rates drop with it, at least not right away. And the fact of that is because the Federal Reserve, if people understand what they do, they lend money to banks to help the money flow. And so when they cut their rates, they’re cutting it at that level, at the bank level, which then cuts it at the six-month treasury, even maybe up to the two-year treasury. But the 10-year has its own thing. And that’s what we always talk about. That’s tied to mortgage rates the most. And the 10-year has been in this 440 range for a long time, longer than people expected. And so I don’t know that one Fed cut, like if they even cut Wednesday, which it’s only like a 3% chance that they will, that it would, it immediately helps you if you have a car loan or if you’re carrying credit card debt immediately or a home equity line, those drop. But mortgage rates will take some time, especially if they cut it now. I’ve heard various people say, well, the stock market might go up pretty quickly, which that’s pulling money out of safe assets and putting them into riskier assets, which could actually make the bonds go higher. So it could have an alternate effect. We’ll have to see.
SPEAKER 09 :
But people should give you a call if they’re in these situations of this 2-1 buy-down or if they are out in the market looking for a new home. They should give you a call, have a conversation about this, because finding the home is one thing, and then financing it’s quite another.
SPEAKER 16 :
Absolutely, and Karen mentioned it. I’ve had people I’ve been talking to for a long time. My brother does loans as well, and I was on the phone with him the other day, and he had to send a letter out to a buyer that he’s been working with for two and a half years that they’ve been waiting for rates to come down the whole time.
SPEAKER 18 :
Okay.
SPEAKER 16 :
And finally they just said, I’m done waiting. And he was like, I can’t believe it. I’ve been talking to these guys for so long. We all have people like that. They hear what’s out there in the news, and they think, oh, They’re going to cut rates on Wednesday. I don’t think they will. And even if they do, it won’t be much. And they’ll be waiting again until September there’s a meeting and then December there’s a meeting. But depending who you listen to, some people say two rate cuts this year, some say no need. Because it’s the dual mandate that is the thing. Because unemployment’s at 4 or 4.1, which is basically full employment. And so the Fed has to sit there and go, do we need to lower rates? We don’t have unemployment, and the economy seems to be doing well based on the numbers that they look at.
SPEAKER 09 :
So Jay Davidson is going to be on later this week, another sponsor of the show with First American State Bank. And he said that the main directive of the Fed when it was created was to maintain the value of the dollar. And when we see inflation, government-induced inflation, they’ve not done a very good job on that.
SPEAKER 16 :
Yeah, but now they have a dual mandate, and so it’s price stability is the word they use, not necessarily dollar strength. The dollar has tumbled lately, especially with the tariff talk. But if you watch price stability, I mean, we can see at the gas station things are kind of all over the place lately, up and down, up and down. But for the most part, they’re not at $4 or $5 a gallon like they’ve been. They’re pretty reasonable, and people have jobs. There’s not a lot of nervousness out there that I’m seeing. And I think the Fed looks at that and says, aside from any pressure, why would we lower rates? Because it might help people? No, that’s true. Listen, there are just two sides to both. But they’re afraid of price spike. They’re afraid of creating inflation by lowering rates. That’s their fear. I’m not saying they’re right or wrong. I’m just saying what we are seeing now is… The thing about it is Powell can push, but there’s like 12 or whatever, 13 governors that vote. And two of them now are feeling like they want to lower, which is more. So there’s starting to be a turn. The question is when will that turn become a majority?
SPEAKER 09 :
Now, this is a subjective.
SPEAKER 11 :
Oh, did you want to jump in, Karen? Well, I did because when you got a little animated about affordability and allowing people to, to have more affordable rates so that they could afford more. So let’s roll the clock back. And when rates were at three, what was happening in the housing market? Prices were spiking, which is exactly what Lauren just said. So we made it too, potentially, too affordable. Money was too bright. So it’s finding that balance. And I sat around a table this weekend with many generations, 20-year-olds, 30-year-olds, 50-year-olds, 60-year-olds, and 70-year-olds. And I made the comment that 6% to 7% interest rate is actually average over my lifetime, if not below. So you’ve got to keep things in perspective. Now, with that said, prices in the market here in the front range have appreciated more than they have historically. So that’s what’s created a lot of that interest. less affordability situation, right? So I think what we are hoping for is some balance. But we do know that when you go from three to six or three to seven, that creates in affordability.
SPEAKER 09 :
And it happened all so quickly. Very quickly. Which goes back to this dual mandate, and it’s a subjective question. So they say that they’re concerned about inflation. Where were they? Where was the Fed on the QE2, or whatever, is that what you call it, QE2 easing, which was putting all of this money in?
SPEAKER 16 :
into the economy creating the inflation which was deflating the value of your buying power where were they when they went then right this is hard for me because i have to repeat nobody wants lower mortgage rates more than me because that’s what i do for a living i want to refi everybody yeah right so if rates dropped to four and a half tomorrow i’d be you wouldn’t see me for a few weeks it’d be great but i also remember that Aside from the Spanish flu of 1918 or 1908, whatever it was, COVID was something we hadn’t seen. I hadn’t seen anything like that. My office at the time was on I-25, right overlooking it. And I remember looking out my window and there was not a car on the highway.
SPEAKER 09 :
Except mine coming over to the station.
SPEAKER 16 :
Yeah, and me. And we were deemed essential. I had a whole office of, I don’t know, 15,000 square feet of just me. There should have been 20 employees. And I happened to be going through a kitchen remodel at the time, so I couldn’t work at home. So I got deemed essential, and I was in there by myself, looking down on a highway with no cars. And now we’re back to complaining about traffic, right? So, I mean, the Fed was looking then at, like, how do we stop this whole thing from just going up like a house of cards? And it was just pump money, pump money, pump money to people who weren’t working because they couldn’t leave their house. And so they created this, you know, the lower rates to try to save housing, I think. But I think they were doing things to test it out. I don’t think they ever said, we know this will work. Or I think if you asked them at the time, they would have said, we’ll know in 10 or 15 years if it worked. And I remember being at an interview with, I think I might have mentioned this before, several years ago I saw an interview with George Bush and speak in front of this group. And the first thing that really caught me about him, about how classy he was, is at the time Obama was president, I asked him his opinion and he said, I will never comment. on a sitting president, because I don’t think that’s fair. You know, that’s a tough job. But then they asked him about the whole, you know, when he was on that ship and claiming victory and stuff and the whole, were there weapons of mass destruction and how he handled all of Iraq and everything. And he said, honestly, I did the best that I could with the information I was provided. And the history books will tell you if I was a good president or not. You know, once you get out 10, 15, 20 years and you can look back and say, Was Saddam Hussein a bad guy? What was he trying to do? He goes, I used the information that I was provided by our intelligence. So I think Powell kind of did the same thing at the time. And it was Bernanke back then, too. That was lowering rates. And I’d like to think they did the best that they could. That might be not a popular opinion. But I also know that Trump wants them to lower rates because we would save a ton of money on our government debt. And I think that’s the number one reason why he wants it lowered. It’s massive amounts that we would save on interest.
SPEAKER 09 :
as long as people are buying, isn’t it?
SPEAKER 16 :
Yeah, and that’s the one thing, and I’ve heard all this talk for years about us not being the currency of the world. That’s not going to happen. I don’t believe that’s going to happen. We’re the most powerful nation, period, especially with our banking system that can be trusted. I don’t think we’re going to lose our dollar strength as a leader of the free world, as much as China and Russia might try. Russia’s a mess, you know? So I think we’re okay there. So I think people continue to buy our debt due to its safety.
SPEAKER 09 :
Well, I do like the fact that Trump is – it looks to me like we’re in such a disruptive time right now, Karen Levine. But with him pulling back funding of so many different green energy projects, there’s that money. There’s so much money that was committed to that. This is huge. I don’t know what’s happening, but something very, I think, interesting is happening for sure. I think –
SPEAKER 11 :
yes and i think that because of a lot of his desires his promises his um commitment to the american people there is it has created so much uncertainty because no one knows like lauren just said about president former president bush he did the best he could with the information he had and he does he didn’t know he was hoping he was making good decisions There is a sentiment in America, there are those of us who believe that what Trump is doing is for all good reasons, and then there’s a faction that would tell you differently. And that creates uncertainty, which is why I think inventory is growing, because buyers are sitting on the sideline feeling uncertain.
SPEAKER 18 :
Mm-hmm.
SPEAKER 11 :
And when I left for my adventure to Portugal in June, I said to my clientele, if we see interest rates come down a quarter to a half a percent, we will see a surge in the marketplace. Or if we see data that shows us that the tariff… agenda has created a positive environment economically, in America, we will see people come back into the buying market, right? And neither of those things have happened. And so people are standing on the sidelines, but we also know that those who are willing to jump in are being able to seize opportunities.
SPEAKER 16 :
The difficulty with the Fed Kim is if you watch like – you can watch any channel you want on the news, on financial news. They’ll pull people that are saying that the tariffs are baked in now, that there hasn’t been a lot of effect on prices, that it’s not going to happen. And you’ll have someone else say, no, no, that’s not true. They haven’t been baked in yet. We preordered all these goods before the tariffs hit. So our shelves are stocked and the next round is going to be where the inflation hits. And I’m not saying either one is right, but you can find both. So the Fed has to have that conversation. Which way do they think it’s going to go? And with Karen referencing uncertainty, Trump is a master negotiator. I don’t think there’s anyone that would question that going back 40 years. And he’s using these tariffs as a negotiation tool. But when they go from… 15% on agreement, and then he gets mad and raises it back to 50%. And then two weeks later, he says, ah, I’m not mad anymore. I’ll put it back at 15%. Well, you imagine if you’re a small business owner that imports from China. You’re like, I don’t know what to do. I can’t order anything. You feel like a yo-yo. Yeah. Are you going to go buy a home? Yeah. No, you’re going to wait and let this stuff settle out. So I don’t blame Trump for what he’s doing. He’s negotiating like that’s what he does. But every time he negotiates and bounces, it affects a lot of people.
SPEAKER 09 :
Got it. I get it. Okay, we’ll continue this discussion with Karen Levine and Lord Levy and wanted to say thank you to the Second Syndicate for the work that they are doing to stand for our Second Amendment, which is our right to keep and bear firearms to protect ourselves against bad actors.
SPEAKER 07 :
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 14 :
The current level of interest rates is causing challenges and creating opportunities. For nearly 20 years, mortgage specialist with Polygon Financial Group, Lorne Levy, has helped individuals realize their hopes and dreams of homeownership, fund kids’ educations through second mortgages, and access capital by utilizing reverse mortgages. Lorne’s not constrained to work with just one lender. Because he works with many different lenders, Lorne offers you choices for your individual mortgage needs. Knowledge is power and preparation leads to success. Call Lauren Levy at 303-880-8881 so that you are prepared for the opportunities in the mortgage market. That’s Lauren Levy at 303-880-8881. Focused and wise marketing.
SPEAKER 08 :
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SPEAKER 03 :
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 p.m. 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 09 :
And welcome back. We have Lauren Levy in studio as well as Karen Levine. Wanted to say thank you to Laramie Energy for their gold sponsorship of the show because it is reliable, efficient, affordable, and abundant 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. And also check out the USMC Memorial Foundation and support them. Because it is because of those that have given their lives or been willing to give their lives for our liberty that we get to live the way we do. And it’s because of these people. So make a contribution. Come out and support their 48th anniversary celebration, which will be in August. More information about all that, go to usmcmemorialfoundation.org. That is usmcmemorialfoundation.org. And, Lauren, this is coming in. I mentioned earlier in the show that PBIs, government does not create anything. It produces nothing. All they can do is take from one group to give to another. And then also Mark said the Fed can’t say no to Congress’s borrowing. He says, Kim, you need to blame Congress, not the Fed. That’s a good point, isn’t it, Lauren? Yeah.
SPEAKER 16 :
A hundred percent. And to be fair, there’s multiple types. The Fed, Congress, and remember they shot down the last one. There was supposed to be another big bailout bill right at the end and they didn’t do it, which would have made things a lot worse. But they’re the ones that made huge bailout bills and bailed out the automakers and bailed out all those people. But what the Fed did was lower rates, but the Fed injected money into the economy by being the buyer of last resort, like we talk about for mortgages. Right now, the mortgages are bought by Wall Street and backed by Fannie and Freddie for insurance purposes. Yeah. So that makes them all but guaranteed. But back then, Wall Street didn’t have an appetite because there were so many foreclosures and no one knew what the heck was going on. And so the Fed came in and said, we’ll buy these things. And that gave them a full guarantee. That’s why I never think we’ll see rates in the twos again, barring another COVID, because the Fed had to do something unprecedented, which was step in and backstop the whole market.
SPEAKER 18 :
Mm-hmm.
SPEAKER 16 :
And we don’t know if they were right or wrong. So far, if you remember several years ago, there was a fear of hyperinflation here, right? Right. Hyperinflation. There was also a fear that we’d be Japan with this instead of a V-shaped recovery. Japan’s been in this L for years. Our economy went down and it just went sideways for 30 years. There’s fear of that. And we haven’t had either of those. So I think Powell’s sitting there going, I don’t think things are that bad. I think we did a fairly good job, except for you want rates lower.
SPEAKER 09 :
Well, when we talked with Jody Henze, though, she said with lower interest rates that more people could afford a home, that it would help small businesses. And I love all that. Of course.
SPEAKER 16 :
We all want the small business home. But I believe it’s a market, Karen will tell you, that if things stay the way they are, home prices will start to come down. If buyers are on the sideline and there’s more inventory, then sellers will have to lower their prices. That will create affordability as well without lowering rates.
SPEAKER 11 :
And that’s a great segue into in the last seven days, 2,200, 2,276 homes have taken price reductions. So for a seller who is motivated, and that seller in most cases is sitting in a very strong, healthy equity position, they have the ability to reduce the price of their home, that creates more affordability.
SPEAKER 09 :
So I had a conversation with someone that we have a mutual friend that they said that this mutual friend has taken their home off the market, that some of the commentary from some of the potential buyers is that it’s dated. And so the potential seller said, well, I don’t want to put money into a new bathroom, a new kitchen, because I won’t be able to get that money back from when I sell my home. However, I have this feeling, and this always happened. Years ago, I was in the investment business, is people look at the very top, the price, the value, and they think that’s their North Star, that that’s what they’re working off of. And that’s not the case. Would you recommend that people consider redoing a kitchen or a bath? Or would you recommend, I guess, otherwise you would have a price reduction where the buyer could do that. So what’s your thoughts on that, Karen?
SPEAKER 11 :
Well, if you look at the data, the houses that are selling at top dollar are the ones that are updated, they’re clean, they’re in a good location, and they’re flying off the market at list price or better. The ones that need or have never gone from laminate countertops to granite, who still have oak cabinets and haven’t gone to, whether it’s painted or gray or whatever it is this week, have not updated their flooring. They’re not selling, and so their choice is they put the money into the home, which means they may not get that money back, whatever they spend, but their house sells.
SPEAKER 09 :
So is it important for your… Well, when you don’t get your money back, so it would mean that you’re taking some of the equity to invest into the property so that you can get the property to move, right? To sell it. Yeah. Right.
SPEAKER 16 :
And then the question is, do they have the money to do that?
SPEAKER 09 :
Exactly.
SPEAKER 16 :
And they may not. They may not have $75,000 to remodel their kitchen. So just knock it off the price.
SPEAKER 09 :
Right.
SPEAKER 16 :
And let the next… I’d be worried… I don’t know why I would care, but I’d be worried that I’d remodel the kitchen the wrong way. And then the next buyer doesn’t like it and they rip it back out again. I’d be like, well, that would be a waste.
SPEAKER 11 :
But it sold your house.
SPEAKER 16 :
Yeah, no, that’s true. I mean, it’s two ways of looking at it. I think what people, I think it’s human nature that people want the best of everything. They want a low rate and maximum home value. Of course. And to hit that. Because what Karen’s saying, if rates drop to five tomorrow, every home would have 20 offers. And then what? Then where’s your affordability there?
SPEAKER 11 :
Because the price is going to go up.
SPEAKER 16 :
Affordability comes in not just lower rates. It comes in price. We’ve talked about this. When I bought my first townhome in 2001, I had an eight and a quarter rate. But I paid 210 for the place. The place sold. I looked it up recently. It’s worth like 435 right now. So now eight and a quarter on that home is a little bit more pricey than when it was 210. So affordability comes not just in lower rates, but in lower prices.
SPEAKER 11 :
Very well said. Thank you.
SPEAKER 09 :
And we have to back up on something. Susan Kochavar got this, and I was going to say this, and then I didn’t. Because your comment about Bush and when Bush said he wasn’t going to comment about presidents, he did comment about Trump because he doesn’t like Trump very much. And she says, I really agree. She capitalized. So she does agree with Lauren about the dollar remaining the world currency. So thank you, Susan, for those two things on that.
SPEAKER 16 :
He must have changed his tone. This was when Obama was president, so that’s how long ago I saw him.
SPEAKER 09 :
Right. I find what’s so interesting with Trump, I can’t remember what he called Jeb Bush, but he called him something. And I think that the Bushes took real affront about that. But yet, then I also find it so crazy that Trump calls Marco Rubio Little Marco, and now he’s Secretary of State. I find that really interesting, Lauren.
SPEAKER 16 :
I watched him tear apart a congresswoman or senator yesterday, and it was awesome.
SPEAKER 09 :
Trump?
SPEAKER 16 :
No, Rubio, because he’s revoking these student visas. I don’t remember if she was a congresswoman or senator. I was coming after him for that. But she was asking about something that wasn’t a student visa. I think it was a news commentator, maybe. No, this lady, it was in a committee.
SPEAKER 09 :
Oh, it was? Oh, okay, okay.
SPEAKER 16 :
I just don’t remember which one. And he just kept telling her, I’m going to keep revoking these things because people, you know, a student visa is not a… She was claiming that he was violating their constitutional rights. And he’s like, no, a student visa is not part of the Constitution. She was mixing that up with… Maybe like a green card or some other way you’re in the country. And he was like, no. And she just kept talking and talking. And he’s like, no, you’re wrong. You’re wrong. You’re wrong. You’re wrong. And I’m going to keep doing it. I’m going to keep doing it. Because if these people are a risk to our society, we’re going to get them out of here. And she was like, but you’re violating their constitutional rights. No, I’m not. You don’t have a constitutional right to a student visa.
SPEAKER 09 :
You’re a guest. Yes. That’s true. And so you can ask a guest to leave or you can not invite the guest. So interesting. But again, just like that fact that Trump calls him this, the next thing you know, he’s Secretary of State. It’s pretty amazing.
SPEAKER 16 :
It’s called politics.
SPEAKER 09 :
Well, yeah, I guess it is. But to Susan’s point, Bush did make a comment about Trump. This is an interesting conversation. And Karen, when we come back, you had mentioned something during one of the breaks that there is a housing development that is being built now, but it’s all rental. Right.
SPEAKER 16 :
Lauren, Lauren. Oh, you said she knew of one in Arvada.
SPEAKER 11 :
Yeah, we had one in our in Arvada that was developed kind of over COVID post COVID. But yeah.
SPEAKER 09 :
So let’s talk about that when we come back. And we do want to hear from you as well. The text line is 720-605-0647 720-605-0647. Another great sponsor of the show is John Bozen and Bozen Law. Be sure and reach out to them if you have been injured.
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SPEAKER 05 :
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SPEAKER 09 :
Okay, welcome back to the Kim Monson Show. Wanted to mention the Center for American Values. And Drew Dix has started this new Words from the Silo. It’s his new podcast. Super interesting. I was on a road trip on Saturday, so I was able to listen to his most recent one on partisan politics. And it’s hosted by Drew Dix, and Brad Padula, who are the co-founders of the Center for American Values. They’re nonpolitical. They’re nonpartisan. However, it’s a super interesting conversation. So check that out. You can find that at AmericanValueCenter.org, AmericanValueCenter.org. In studio with me is Karen Levine, Remax Realtor, and Lauren Levy for Everything Mortgages. To button up just a few things, first of all, Lauren, you’d mentioned this conversation between Marco Rubio and Representative Jayapal. And she is, let’s see, she is in Congress. You’re correct. And you would think that they would give me the state. Looks like she must be from Washington State, I think. So anyway, that’s super interesting. And you pulled that up. And then thank you to Kurt Gerwitz and producer… Joe, that Donald Trump called Jeb Bush low-energy Jeb. Well, that’s a good reason to be mad at somebody for a long time, Karen Levine.
SPEAKER 11 :
Well, if he has low energy, he was just calling out, I guess, a potential fact. I don’t know. People are very sensitive about things. And sometimes we’re a little more sensitive about things we shouldn’t be sensitive about. We’ve gotten our values a little messed up.
SPEAKER 09 :
Right. But again, and boy, Marco Rubio, that was quite the clip. So you can look that up. That is Congresswoman Jayapal, and she is a Washington congresswoman from their District 07, it looks like. Okay, Karen Levine, you and I talk about ownership. I had a great quote that I was going to have regarding home ownership, that home ownership in America is kind of like the old aristocracy in Europe, where they had their own estate and they had their gardens. Well, everyday people could have a home here in America and have their own little yard and their garden. So It was a way for everyday people to have their little slice of freedom, I guess, of being able to be the head of their own household, of their own manner. And boy, that’s been under attack.
SPEAKER 11 :
It has, and I caught a little innuendo in there about a little garden and a yard and the manor, but when you have more people on the earth and land is limited and people want to be close to employment, even though you would say that you would be fine driving two hours into work, density is going to increase, which means that houses are going to get closer together and… The city of Lakewood is telling you that they have to be a certain amount of square footage to keep it affordable. I think that’s a market call, not a city council call.
SPEAKER 09 :
So you just mentioned something, and that is that government is saying that this is what needs to be. So government has come in? No.
SPEAKER 11 :
Well, the city of Lakewood is. The city of Lakewood is, yes. But it’s also market-driven from the standpoint that if you have more demand… For a place to be, you have to come up with solutions, and that comes, as I said, with density. Yes, there has been an overlying government intervention. Yes.
SPEAKER 09 :
So the density thing, though, is if you limit where housing can be built and then take government money and push it into apartments and density, then you’ve got government really distorting the market. But you had mentioned, or I guess Lorne had mentioned, that there’s a new housing development that’s being built, but it’s not for homeownership. It’s for rental housing.
SPEAKER 16 :
I saw that on something yesterday. It was in Nevada, just to be clear. And I mentioned it to Karen. She said she had experienced that in Nevada years ago. But it just seemed that these home builders, you know, we don’t have enough homes being built. So it’s great to see homes being built. Then the article was like, yeah, but it’s more of this mandate that people own nothing at the end of the day. That they’re building these homes, but the builders are renting them to the people instead of selling them.
SPEAKER 09 :
So somebody’s owning it.
SPEAKER 16 :
It’s just not the people. Right, and that’s why every Wednesday when we talk, we talk about opportunities and how to move forward. And I know what time it is, and you’re going to ask me for my last word again in five minutes, but I’ll just do it now. I think of all these billionaires, like the guy that owns the Nuggets and the Avalanche, Kroenke, right? And everyone thinks he’s a Walmart. He’s married to a Walmart daughter, which is great, but he made his money in real estate before he married her. He was very wealthy.
SPEAKER 18 :
Right.
SPEAKER 16 :
Real estate is the best way, maybe within the last 10 or 15 years through, like, if you owned Nvidia stock or, you know, you’re pretty well off. But prior to that, real estate was the number one way to build wealth, period. So when I always tell people, like, if you can afford to buy a house today… People forget the value might not go up right away, but every time you write a check, you’re building wealth because you’re paying down principal and you’re not paying it to a landlord. Right. So it’s still the best way to build wealth. There is. So if people can afford a home today and they’re on the fence, buy it and then lower the rate later.
SPEAKER 09 :
Well, and Karen, I know that you and I have talked about this, that homeownership has been a way for people to create wealth for themselves and their families. And that really is under assault because of interest of parties and politicians and bureaucrats. And that’s why it’s so important that we shed light on this. And to build a whole development and then have it for rent, well, somebody is making money off of that. But at the end of the day, people that are paying rent, and if you want to rent, there are people that make those choices, and that should be a free choice, not a coerced choice because of PBIs and the policies they’re trying to push forward.
SPEAKER 11 :
Correct. And when a developer – and that’s where we have to look at what’s market-driven and what’s government-driven – If that developer was given incentive to take what they invested in, the land they invested in, and the ideas that they had to develop homes, and they were incentivized to make those homes rental homes, that is government overreach. But if they ran their profit and loss and said, you know what, it is more profitable for us to come in and the land that we bought and make them rental homes, they should have that option. So we lose sight of those things when the conversation we had years ago that there’s a luxury apartment building on the transit corridor of I-25 and that developer owner doesn’t have full occupancy, and yet he somehow gets dollars, subsidy dollars, from the government, who then the government says, hey, citizen, at a lower rental rate, you can go move into that luxury apartment. And then those who are residing there were paying for that? That’s overreach.
SPEAKER 09 :
That’s what’s wrong with that picture.
SPEAKER 11 :
Exactly.
SPEAKER 09 :
So when government comes in and says, we’ll give developer approval for whatever, but you have to include affordable or government subsidized and affordable. The government cannot give to someone what they haven’t taken from somebody else. And so just think if they actually had lowered the rents across the board at this apartment building, that is the more equitable. That is the fair way to handle this. And so super important. Lauren, do you have any other final thoughts?
SPEAKER 16 :
No, it all comes down to the market, right? That’s all we keep talking about. Right. The builders of all these apartments we’ve talked about for years got FHA rates, which are lower than they could get on commercial rates. So they were incentivized through the construction cost to build all these apartments. So that’s what they did. And until now, we’re starting to hear that they’re having some trouble. There’s too many of them, like everything else.
SPEAKER 09 :
Definitely. So, Lorne Levy, how can people reach you?
SPEAKER 16 :
Best is just always give us a call at 303-880-8881.
SPEAKER 09 :
Again, that’s Lauren Levy for Everything Mortgages, 303-880-8881. He can help you in 49 of the 50 states, just not New York. Karen Levine, Remax Realtor. How can people reach you?
SPEAKER 11 :
They can reach me at 303-877-7516. And your final thought? My final thought is the real estate market is still robust in the United States of America, and especially here in Colorado. And there is opportunity, whether you’re a buyer or a seller. And I can help that seller get the house sold in an environment that has more competition.
SPEAKER 09 :
And I know that you can. I’ve seen you in action. Thank you, my dear. Okay, again, that’s Karen Levine, 303-877-7516. Thomas Jefferson said this, were we directed from Washington when to sow and when to reap, we should soon want bread. So there you have it. 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 17 :
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 survive
SPEAKER 20 :
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.
