Join guest host Andy Pate as he leads a compelling conversation with Kurt Rogers about navigating the current mortgage landscape. Discover how listeners can stay ahead amidst rising rates and what role pre-approvals play in competitive markets. Additionally, learn about security innovations at U.S. airports and the relevance of DIY and profiling models to enhance safety protocols.
SPEAKER 05 :
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SPEAKER 14 :
Are you crazy? Am I? Or am I so sane that you just blew your mind?
SPEAKER 06 :
It’s Rush to Reason with your host, John Rush. Presented by Cub Creek Heating and Air Conditioning.
SPEAKER 09 :
Filling in is Andy Pate, party of choice.
SPEAKER 03 :
All right, we’re back. Time for our Monday Mortgage Minute. Kurt Rogers with Affordable Interest Mortgage. Hey, Kurt, how was your Easter weekend? Mine was just outstanding.
SPEAKER 12 :
You couldn’t ask for better weather on Sunday.
SPEAKER 03 :
Oh, it was fantastic, wasn’t it? Hey, Kurt, I’ve got to ask you. Nice to hear you, Andy. You’re standing in again. Yeah. John’s taking a couple weeks off. Well-deserved. Very well-deserved. Kurt, I’ve got to ask you. Stocks are down. Rates are up. What’s happening in the mortgage world? Headaches. Headaches.
SPEAKER 12 :
Right now is a time that a lot of people are trying to do. They’re getting pre-approved. They’re going out to find out what they can do if they want to refinance, what they can do If they want to purchase and they’re getting past all that paperwork part, then they’re just sitting on it because when the rates do come down, we don’t know how long they’re going to come down and stay there. So we’re advising people to kind of get ahead of the game and kind of have a ballpark of where you want the rate to be. And when it gets there, we can just automatically lock it.
SPEAKER 03 :
Now, that’s what I was going to ask you about because I’m kind of assuming the rates are going to go down when the trade deals start rolling in and the markets stabilize. But I was wondering, can people time that? I mean, can they get in touch with you now, get a game plan in place so they’re ready to roll?
SPEAKER 12 :
Actually, when I do what’s called TBD approvals, when I do that approval, that approval is good for 90 days. So as long as you can close the loan within the 90 days, that’s fine. I then go into the computer, and we talk about what rates are today, where we think they’re going to be, and you can say, okay, I want a target rate of this. Well, I can put it in the computer, and the minute it gets there, it lets me know, and I can hit a button and lock it.
SPEAKER 03 :
Okay, and what if it doesn’t happen in the 90 days? Can they just re-up and say, do it again?
SPEAKER 12 :
All we have to do is update the income. and the bank account, and we can do it for another 90 days.
SPEAKER 03 :
See, the beauty of it, though, Kurt, is that they’ve gotten the groundwork done. Yeah. The road is paved, and they can drive on it as soon as that rate gets down and hits their level, right?
SPEAKER 12 :
It works especially well if you’re trying to purchase a house because when that number does start to drop, the competition is going to get tougher. And if you can close quicker because you have a preapproval, you know, and close in two weeks instead of four weeks, your offer is going to have more clout to it.
SPEAKER 03 :
Oh, big time. I mean, you’re going to have a big leg up on the competition. And it is competition when you’re bidding on a house. I think a lot of people think they’re just going in, especially new home buyers, think they’re just going in shopping. And it’s like, no, you’re competing.
SPEAKER 12 :
Especially if it starts out at a low price. We’ve got a house in the neighborhood. You know, he underpriced the house about $100,000 until he put it on the market. Then the bidding war started. Yeah. But it started pretty, he was down there pretty low and it got a lot of people’s interest. So you’ve got to be ready for stuff like that.
SPEAKER 03 :
Awesome. All right, Kurt. Haystack Help Radio tomorrow from noon to 1. What do you have planned?
SPEAKER 12 :
We’re going to be talking with my paint guy, Phil Wilson. He talks to you about how, you know, what kind of paint to use. He’s been doing it for Like 17 years. So we’re going to be talking with him. He’s with a company called SodaPro.
SPEAKER 03 :
Well, this is the time of year for that. Okay, Kurt, thanks as always. And for all those of you listening, Affordable Interest Mortgage, Kurt Rogers, 720-895-0500. Kurt, we’ll talk to you next week. Thanks, Andy. Thanks, Kurt. One more time, folks. Affordable Interest Mortgage with Kurt Rogers, 720-895-0500.
SPEAKER 12 :
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SPEAKER 03 :
And welcome back to Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Andy Pate filling in for John Rush. I’m on the line right now. We’ve got Jersey Joe Joe. How you doing? I’m doing okay. How you doing? Doing all right. Doing all right.
SPEAKER 15 :
How’s that lovely wife of yours doing?
SPEAKER 03 :
Oh, lovelier than ever. Way too good for me.
SPEAKER 15 :
You’d be good to her, right? You’d be good.
SPEAKER 03 :
Well, I make her wear a blindfold at all hours of the day so she never knows she’s too good for me.
SPEAKER 15 :
Well, good. Hey, I didn’t intend to talk about a bunch of this stuff, but I hope Luke is still listening because he touched on a bunch of subjects near and dear to my heart. Go ahead. So we’re going to talk about TSA. We’re going to talk about guns more than I had planned to. But first, let’s talk about TSA. He may not know this, but there are already 21 airports in the United States that have private TSA, not government agencies, and including two little airports you may not have ever heard of. One is San Francisco International and the other is Kansas City International. Private TSA, not federal.
SPEAKER 03 :
No, that’s easy, though, because nobody goes to San Francisco anymore. Or Kansas City. Yeah, there’s no travel. So, you know, that’s OK. It’s real easy. They got one guard.
SPEAKER 15 :
But no, but it’s and that’s been since 2019. So we’ve already had this kind of test run. And it’s working, you know, working well. It’s been in place.
SPEAKER 03 :
How’s the cost? How’s the cost benefit? I mean, for the for the cost of the program, how are the results versus, you know, the other ones?
SPEAKER 15 :
Well, you know, clearly, there’s been no major security breaches at any of those 21 airports. And since those private contractors don’t have the they’re not a unionized workforce, they don’t have the the TSA pension plan, I have to believe that the contractors are coming in below the cost of TSA. TSA, you’re a government employee. You’re not cheap.
SPEAKER 03 :
How long can they usually lock in? I mean, three-year contract, five-year contract? I mean… You know, I don’t know the specifics, but… Because you wouldn’t want it to rotate out every year, but you don’t want it in too long because you want to keep up the competition.
SPEAKER 15 :
You know, typically, they’re three… Typically, you know, three years for a contract, service contract. If you’re going to ask an organization… to staff up and hire people and buy uniforms, three years wouldn’t be unusual.
SPEAKER 03 :
And for a lot of people who work there, honestly, even if their company loses the contract, the next one will want to hire a bunch of them who have already been there. Just pick them up.
SPEAKER 15 :
And that’s fairly typical. But the point is, we’ve already tested it. We’ve road tested it. It’s been in place for more than five years. It appears to be working very, very well. And if it wasn’t lower cost than government employees, the government wouldn’t continue it. So The road test is there. Now let’s move on to what TSA is actually doing. Are you familiar with Kabuki theater?
SPEAKER 03 :
Well, I’ve heard the term, yes.
SPEAKER 15 :
Well, for those not familiar, it’s a Japanese form of theater. It’s silent. No words are spoken. And it is characterized by, since it’s all silent, by exaggerated motions and movement to communicate. Just like the old silent movies where there’s a lot of arm waving.
SPEAKER 03 :
So it’s like when AOC is speaking. Right. I mean, all these exaggerated motions, but she’s not actually saying anything. Right.
SPEAKER 15 :
So let’s talk about how effective TSA is. So you go through now about five or six years ago, Denver International decided, you know, we need to go to full body scans because these magnetometers are If you wanted to tape a pound of plastic C4 explosive to the small of your back, our magnetometers are not going to pick that up. So we need to put the full body scans in to make sure you’re not smuggling C4 explosive duct tape to your back when you go through. Now, do you know if you go up to Cheyenne, Wyoming, or down to Alamosa and go through, neither one of those airports, they have TSA. Neither one of them has a full body scanner. All they have is the magnetometer. And I’ve been to both airports. So my question is… Did they make you strip down entirely? No, they don’t. Okay, good. So if you want to get a pound of C4 explosive on a 747 going to Paris, all you have to do is drive up to Cheyenne, book the puddle jumper from Cheyenne down to DIA. That little commuter plane drops you off directly on Concourse B. And you’re in. And you’re in and you get on the 747. So my point is, If you’re not going to put full body scanners at every airport, why bother putting them at any airport? I agree. That’s number one.
SPEAKER 03 :
Cause look, people who wish to do harm, they will figure that out and say, okay, it’s worth the extra step. I want to kill people.
SPEAKER 15 :
And it’s not a big step. I mean, what you can be in Cheyenne an hour and a half, two hours.
SPEAKER 04 :
Yeah.
SPEAKER 15 :
And you book your connecting flight and it will drop you off on concourse B and you’ve bypassed the full body scanner. Now, Number two, have you ever seen a guy or a woman in a wheelchair go through security with a little oxygen bottle? Right. Strapped to the wheelchair? Yes. Have you ever seen a TSA agent open the valve to make sure that it’s really oxygen and not either cyanide gas or full of nitroglycerin explosive? No. Never happened. There you go. So what’s the point? I mean, if I want to get a canister full of cyanide or a gallon of nitroglycerin, through security, I’ll just put it in the oxygen bottle. So what is the solution? What would you do? I would do what Israel does. You know, when you, and I’ve traveled all over the world, you know, your security screening in Israel starts when you, before you ever leave your hotel room. When you buy your ticket, they’re already running your profile. And they only security screen people whose profile, you know, matches their
SPEAKER 03 :
Oh, but that’s profiling. And if you tried that in an American airport, I mean, there would be calls for racism and the ACLU all over the place.
SPEAKER 15 :
But the point is, but if you’re a Middle Eastern or African-American businessman and you don’t fit the profile, you wouldn’t get selected for extra screening. It’s only if your travel plans and your history…
SPEAKER 03 :
Yeah, look, Joe, don’t get me wrong. I think it’s a great idea. I’m just saying what would be said by the opponents.
SPEAKER 15 :
But the point is, in Israel, you’ve already been screened before you ever step to the airport entrance. In Israel, you’ve already been screened. Okay. And that’s how they do it there. I kind of lost my train of thought here on screening. Oh, and here’s the other thing. You know, you’ve got a bottle. Well, you got a bottle of water. Well, that could be nitroglycerin. You’re going to have to leave that in the trash can right there. Now, what’s the most crowded, densely packed spot in the entire airport? Right there. The line outside the TSA screening station.
SPEAKER 03 :
Right.
SPEAKER 15 :
So you can kill a bunch of people right there where you put it. Right. Well, the same thing with a suitcase. You know, if I’m a suicide bomber, Andy, I’m going to go 7 o’clock on a Monday morning when the whole world’s trying to get to their business meeting. I’m just going to pull my, my little roller bag packed with, you know, 10 pounds of C4. And just before he get to the, my, my, the checkpoint where he looks at my license, I’m going to detonate my roller bag. And, you know, the way they zigzag that back and forth, how many people do you think I’m going to wipe out? I could not ask for a more densely target-rich environment.
SPEAKER 03 :
Well, Joe, I mean, yeah, what if you wanted to, let’s say, get them back to the nitro, okay? So you’ve got some of that in a water bottle. You also have advice in there that you can ignite it. You can set it off with a signal, right? And you can do that while you’re going in. You’re on the plane. So you get in. You actually get seated. You’re on the plane. You put that, say, a concourse over, you know, just over. So, you know, because yours emptied because you went and got seated in the plane, right? So you did that in the concourse over and you blow all them up. And there you are sitting pretty on your plane.
SPEAKER 15 :
Yeah, actually, Andy, I would just put it in a paper bag with a cell phone detonator. Sure. And I would take the paper bag out of my backpack. And I would drop the paper bag with the explosive and the cell phone in. in the trash can, right at the security checkpoint.
SPEAKER 03 :
Right. Why does everybody think that the best place to kill people is on the plane? It doesn’t have to be. It doesn’t have to be. And I hate to say this. No, folks, we’re not giving people ideas, guaranteed. If there’s a way to kill, they’ve already got the ideas, okay? But what we’re saying here is that you’re really not securing them by keeping them from taking a bottle on the plane.
SPEAKER 15 :
I call it, you know, the same thing with – I call it with, like, all these gun control… I call it squeezing the balloon. People think that you can prevent an evil or crazy person from killing a dozen or more innocent victims just by denying them access to a particular type of gun. Probably also think you can make a balloon smaller just by squeezing it in one place. You can’t. If you deny me access to an AR-15… Andy, in 90 seconds, I can think of four other ways to kill a bunch of people.
SPEAKER 03 :
Well, grab your car and plow into a crowd. I mean, this is not rocket science.
SPEAKER 15 :
Guy in Nice, France drove his truck, his little box truck, to a crowd of people during the Bastille Day celebration. It was just a crowd. They had the street closed for the same thing in Germany. But he killed 86 people in 60 seconds just by driving his truck into a crowd. No AR-15 in the history of the world has ever killed 86 people in 60 seconds.
SPEAKER 03 :
Yeah. But I’ll tell you what, an AR-15 can prevent you from being killed by someone wanting to kill.
SPEAKER 15 :
Right. Well, that brings me to my next point, to Luke’s point. An interesting study came out about 10 days ago. There’s a guy named John Lott, very famous, and he’s published a really well-written, well-footnoted study comparing the effectiveness of private citizens versus police when it comes to stopping, you know, armed felons and potential mass murderers. And he makes some very great points. And let me just quote a few things. It’s about an 18-page report, well-noted. He said, he’s talking about police versus civilians in terms of stopping, you know, armed murderers. He said, civilians, by contrast, can intervene when in place when they are in places that are allowed to carry concealed weapons before an attacker even notices them. They also outnumber on-duty officers by a wide margin. In 2024, 21.5 million Americans, about 8% of all adults, held a concealed carry permit, and that doesn’t count the people in 29 states where they have something called constitutional carry, which means if you’re a legal resident, you can carry a gun without a permit. Last time I checked in Colorado, roughly one in seven adults had a concealed carrier permit, which means if you’re in King Soopers on the way home and there’s 30 people in the store, there’s a good chance four or more are carrying a concealed weapon in your typical King Soopers at 5 o’clock. Right. So if somebody comes in, a bad guy comes in and starts shooting, how many uniformed police officers have you seen in King Soopers at 5 o’clock?
SPEAKER 03 :
Zero. Zero.
SPEAKER 15 :
Zero. So if somebody is in King Soopers and decides to start shooting people at random, there’s a very good chance that an armed civilian will be there, be the first responder versus a cop. And they talk about mass murders. One of the reasons you seldom read about civilians shooting and killing a mass murderer in that 90 percent of the time the civilian kills the shooter. before the body count ever reaches the point where it becomes a mass murder event. If you think back last year to the guy in Indianapolis, a guy pulled out an AR-15 in the middle of a shopping mall in Indianapolis, and a young man, I think he was 22 or 23, pulled out his pistol and dropped him after the guy had fired the first two shots. But he was clearly there to kill dozens of people. But it doesn’t become a mass murder. And here’s another point. So we already talked about 21.55. million Americans, 8.2% with a concealed carry. There’s only 671,000 full-time sworn law enforcement officers. But at any given time, only one-third of them are on duty. So at any one time, there’s only about 250,000 uniformed law enforcement officers. Policing 350 million people.
SPEAKER 03 :
Right, versus 21.5%
SPEAKER 15 :
million Americans that we know of with concealed carry permits. So you’re talking a 40 to 50 to one ratio between armed civilians and uniform armed police officers. So to Luke’s point, clearly, and it’s not just theory, and the police even admit, and I can quote here, but the police have admitted that in at least 57 occasions in the past nine years, armed civilians have have intervened to prevent what would have become a mass murder.
SPEAKER 03 :
Joe, if you looked at, as you know, Iowa, they just legalized 18 years old being able to carry weapons. Right. Okay. So let’s say you’re in a school. All right. And let’s say it’s okay for the kids there to carry weapons in that school. So they’re armed. All right. Are you going to shoot it up?
SPEAKER 15 :
Hell no. Well, and we have a great example. Texas, 10 years ago, authorized school districts to authorize volunteer teachers and staff members to carry concealed weapons while they’re on school property. Now, they have to undergo a week-long extensive training, and they have to pass. And by the way, the training they go through, and by the way, Colorado has something, it’s called FASTER, FASTER Saves Lives, FAST Responses. And Colorado has its own faster program. And the program they go through is taught by active duty SWAT officers. They actually have a school they take over. Yeah, the best of the best. Best of the best. And they do simulations with paintball guns in schools. Anyway, in Texas, 171 schools, armed staff, not a single shooter. Now, there’s been school shootings in Texas. But not one shooter has picked one of these schools, all of which have a big sign outside saying this school is protected by armed teachers and staff. Texas is just one of 12 states that have adopted such a program. And not in any one of those schools in any one of those 12 states has a shooter attempted to enter that school and shoot anybody.
SPEAKER 03 :
That’s incredible. I didn’t know it was that extreme.
SPEAKER 15 :
Yep. I mean, I’ve got all the data. If anyone wants to know, just just send me an email to joe at jerseyjoe.com, and that’s jersey spelled J-E-R-Z-E-E, jerseyjoe.com, and I can send you the study and the data and the links.
SPEAKER 03 :
You know, that’s right where I was just about to go. I was going to ask you, Joe, before we go to break, how do people contact you and how can they hear your show?
SPEAKER 15 :
Well, my weekly podcast, we post it on the Jersey Joe website, which is, again, Jersey spelled J-E-R, as in Robert, Z as in zebra, E-E, jerseyjoe.com is the website. If you want to send me an email, if you want to get – but I also have a mailing list where I’ll just send it out. It’s 30 minutes once a week. If you’d like to get on the distribution list, just send me an email to joe at jerseyjoe.com, and I’ll add your name, and you’ll get it hot off the press as soon as we publish it. We record it typically on Tuesdays and publish it on Wednesdays. And if you go to the website, though, I’ll play a lot of videos and I’ll quote a lot of studies like this one. And on the website, you’ll find links. If I play a video clip or if I reference a study like the one I just quoted, you’ll find the links to those video clips or studies on the Jersey Joe website.
SPEAKER 03 :
Sounds very good. But, Joe, you’re also very proud of your own looks. Can I get the Jersey Joe calendar? Sorry, I had to throw you off. I just, I don’t know why I thought I wouldn’t enjoy that, and I did. Let’s take a break. We’ll come right back with Jersey Joe. Up next is Geno’s Auto. They got an A-plus rating with the Better Business Bureau. That means you can trust Geno’s with the car that you trust every day. Call Geno’s. That’s Geno’s with a J at 303-794-6700.
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SPEAKER 03 :
You’re listening to Rush to Reason. And welcome back to Rush to Reason. Denver’s Afternoon Rush. KLZ 560. Andy Bate filling in for John Rush. On the line we got Jersey Jojo. Really quick here before we get into your next topic. I want to give you the impossible question of the day. I haven’t done it yet. Sound good? Okay. All right. Yesterday’s, Friday’s, was what is the common name for dihydrogen monoxide?
SPEAKER 15 :
Oh, that dangerous, that kills several thousand people every year, that one?
SPEAKER 03 :
Yes.
SPEAKER 15 :
Let’s see, that would be H2O, I think. Water, isn’t it?
SPEAKER 03 :
That would be water. Yes, sir, it would be. People can drown in that, so they should ban it. Up next.
SPEAKER 15 :
Oh, go ahead. By the way, and it also destroys bridges. I mean, it just corrodes bridges.
SPEAKER 03 :
It’s terrible stuff.
SPEAKER 15 :
It’s terrible stuff.
SPEAKER 03 :
You know, that’s why California tried to ban it.
SPEAKER 15 :
Right. And by the way, in its gaseous form, it causes severe burns in its gaseous form.
SPEAKER 03 :
I know. When it’s steam, my gosh, there’s got to be something we can do about this.
SPEAKER 15 :
Yeah. By the way, I think Penn and Teller, many years ago, they had thousands of people sign the petition to ban dihydrogen monoxide. That’s so funny. Which brings me back to my quote of the day. I did my podcast and recorded it today. The difference between ignorance and the stupid, there’s no shame in being ignorant. There’s a world of things I’m ignorant about. I’m sure you are, too. And that’s understandable. But being stupid is not knowing the truth and is believing a lie and not wanting to know the truth. That’s the difference between ignorant and stupid. If you believe a lie and don’t want to know the truth, that makes you stupid.
SPEAKER 03 :
I always wondered what makes me stupid. My wife wonders too. She thought it just happened like a miracle. Really quick here, I got to do today’s impossible question. Pretty easy one. What happened on May 10th, 1869 at Promontory, Utah?
SPEAKER 15 :
And you don’t want me to give the answer, obviously.
SPEAKER 03 :
Yeah, you know what? Don’t give it, because we’re going to be talking tomorrow. Sound good? But you know the answer, right?
SPEAKER 15 :
You do know I know the answer, right?
SPEAKER 03 :
Yeah, I figured you know the answer. Folks, once again, what happened, we’ll answer tomorrow, or you can go on RushToReason.com on May 10th, 1869 at Promontory, Utah. Okay, Joe, what do you got?
SPEAKER 15 :
I got one more on guns. You know, we just passed that awful Colorado Senate Bill 003 that makes you take a 12-hour course. if you want to buy just a typical 9mm pistol. And John’s talked about that. It’ll probably get ruled unconstitutional.
SPEAKER 03 :
It will.
SPEAKER 15 :
But there’s another bill that’s only one step away from the governor’s desk, and it’s called House Bill 25-1314. Have you heard about that one?
SPEAKER 03 :
A little. Go ahead.
SPEAKER 15 :
If passed by the governor, it would grant peace officer status to a newly created… division within the Department of Revenue. Department of Revenue, that’s taxation, right? You know, sales tax, you know. Oh, good. We’re going to arm them. Yeah, we’re going to create in the Department of Revenue a firearm dealers division, and we’re going to give them police powers. We’re going to let them carry guns, conduct investigation, make arrests, and they’ll be able to go into any licensed gun dealer in the state and conduct an investigation and arrest the owners. Oh, great. Yeah. Now, by the way, too bad the federal government never thought about creating a division to do that. Don’t you think that’s something the federal government should have done?
SPEAKER 03 :
Yeah, I’m pretty sure they did. They did? What would they call it?
SPEAKER 15 :
No, go ahead, Joe. Alcohol, tobacco, and firearms. Yeah. All gun dealers are federally licensed. You have to get a federal license to be a gun dealer, and you’re subject to regular investigation, records review. And ATF agents, by the way, carry guns, have police powers. They can arrest you. They can shoot you. So talk about government waste and inefficiency. Why is the state of Colorado think we need to duplicate a redundant state-level firearm dealers division?
SPEAKER 03 :
They don’t think that at all. They want to empower these people to intrude on people they want them to intrude on. This is their Gestapo.
SPEAKER 15 :
Yep, that’s exactly the point. They’re looking to crush gun deals in the state of Colorado. Right. And this is just another, you know, blows me away that they’re even considering, well, I shouldn’t be surprised in a blue state, but in terms of all the stunts that blue states have pulled, including the last one, Senate Bill 003, this one just drives me nuts. And I Sad to say, you know, I was a resident of Colorado for 25 years, and I look at how the state has evolved since I first moved there in 1994, and I just can’t believe how the state has gone from you know, slightly red to deep, deep blue with these additions. Go ahead.
SPEAKER 03 :
Joe, it just blows my mind. I mean, here they want further policing of an industry, these gun stores, that are already the most well-policed and regulated around, right? I mean, the only thing that comes close is casinos, okay? And yet they want no policing of the border. They want no policing of so many groups that would do us harm because, you know, it would be hateful to police those groups. But let’s police these law-abiding citizens who are, you know, providing a legal product.
SPEAKER 15 :
Right. And if we want to start closing the budget gap, how about we stop creating unnecessary redundant departments?
SPEAKER 04 :
Yeah.
SPEAKER 15 :
Like a Department of Firearms Enforcement – Regulation within the state of Colorado. Not needed. Again, there’s an alternative. By the way, it’s not just there. New Jersey is proposing an excise tax on guns and ammunition to make it more expensive to buy guns and ammunition. And in New Jersey, like many blue states, before you can even buy a box of ammunition, you have to get what’s called a FOID card, firearm owner’s identification card, which is the same in Illinois and New York and California. And then even though I have an FOID card, If I want to buy a pistol, I have to apply for and pay a $25 fee to get permission to buy a pistol, and not just once. It’s every time. So if I want to buy one pistol in February and another one in August, I have to apply twice and pay the $25 fee twice. What a ripoff. And that’s in addition to the federal check that I still have to pay for at the time I actually purchase the gun. I still have to do the federal check. So it’s a wasteful, redundant, time-consuming check.
SPEAKER 03 :
Do you sometimes think they’re just pushing for the nationwide registry state by state?
SPEAKER 15 :
Yep. Absolutely. Because there is a federal law that says the government, federal government can’t maintain a registry of firearms.
SPEAKER 03 :
Right. But so what they’re doing, because let’s face it, didn’t New Jersey do it by default right there? I mean, they got all your names, right? Yep. That’s a list.
SPEAKER 15 :
Yeah. First of all, well, even if you brought your guns in, let’s say you own a gun, you inherited from your grandfather, If you have an FO ID card, that means you’re buying ammunition that means that means you must own a gun. So they know I’m a gun or they know I’m a gun owner.
SPEAKER 03 :
So here’s what gets me really quick here, Joe. Have you ever seen the movie The X Men?
SPEAKER 15 :
Yeah, many, many years ago. I’m not a big fan of the series.
SPEAKER 03 :
That’s okay. That’s okay. Here’s what blows my mind. People who are into the series at all, they know this, that the terrifying thing in the X-Men, the entire X-Men world, it could be the cartoons, it could be the movies, it could be whatever, right, is that one day the government will make all the mutants register. Mutant registration. They call it right there.
SPEAKER 15 :
Mutant registry.
SPEAKER 03 :
And so you’ve got all these liberals who support the X-Men, right? Because they think it’s the worst thing in the world to have to register these people. And yet these people in the X-Men have far more dangerous powers than a guy with a gun. okay so you’ve got these people with far more dangerous powers than a guy with a gun and all the liberals in the x-men movies are saying you just want to register us you just want to register us and yet those same liberals i guarantee you in real life for saying register all gun owners yep oh i’ve seen it yeah like get it well you have to have insurance you just walk you need a yeah just the way you have to register your car and get a pass a test to drive your car you need to be able to
SPEAKER 15 :
You have to register your guns, carry insurance, and get a license to own a gun and use a gun. I’ve seen that, Andy, that is so ingrained.
SPEAKER 03 :
I just don’t understand the mental disconnect for all the young people who love the X-Men movies. By the way, I do too. I think they’re great. But they don’t think you should have to register somebody who can control all metal. But you do need to register somebody who can, with a gun, shoot a few pieces of metal. Now, they’re deadly, of course. But you see the difference there? It just blows my mind. The metal disconnect. All the fans of the X-Men who think it’s terrible to register them, so many of them turn around and want you registered.
SPEAKER 15 :
They can’t make the connection between how it’s really the same person. you know, we’re talking about a different thing, but it’s the same concept, the same principle.
SPEAKER 03 :
Yeah. These are living weapons. Okay.
SPEAKER 15 :
Okay. Go ahead. All right. Let’s talk about the hypocrite of the week award. So good.
SPEAKER 03 :
I thought I just did.
SPEAKER 15 :
You know who Letitia James is?
SPEAKER 03 :
No, that’s not fair. She wins every week.
SPEAKER 15 :
All right. Well, of course, for those who not, she’s the attorney general of the state of New York. Right. And last year she prosecuted Trump, Trump for business fraud, claiming that he overvalued his, He applied for some commercial loans on some of his office buildings and hotels, and she charged him with loan fraud, stating that he, quote, overvalued his businesses. Now, I’m involved in businesses. I’ve got businesses that applied for loans, and the way they work and the way it worked in his case, and the bank even testified for it. When you apply for a loan, the first thing the bank does, well, tell us about your assets and how much you think they’re worth, and you tell them, Okay, well, I own this, this, and this, and I think they’re worth it. And it’s just kind of a ballpark. The bank’s going to say, is this even within the realm of possibility? And they’re saying, yeah, well, if what you’re saying is true, yeah, this might work out. But if they decide to move ahead, they then get their own professional appraisal. They don’t take your word for it that your office building is worth $43 million, so you have it appraised.
SPEAKER 04 :
Right.
SPEAKER 15 :
And that’s what the bank testified to at trial. They said, yeah, we got his estimate, but we didn’t rely on it. We didn’t. You know, we had the business professionally appraised, the building professionally appraised. And we made him a loan based on not his estimate, but our professional appraisal. And oh, by the way, he paid back the loan in full on time with interest. So there was no there was no victim, no victim. There was no you can’t have a crime without a victim. So she prosecuted him and got it and got a judgment against him. Turns out last week. And let me quote this, that the head of the U.S. Federal Housing and Finance Agency has forwarded a criminal complaint to the U.S. Department of Justice against Attorney General Letitia James for the following what he believes is mortgage fraud. This is wonderful. Number one, among the eye-opening accusations against James is that she had her father pose as her spouse not once but twice on loan applications. as a co-signer. And when they went in, because there’s a spouse, you know, your name and that’s a spouse’s name, if applicable. And he signed, because it was the same last name, he signed as her spouse on two different loan applications when he wasn’t her spouse. She also said that… She bought a place in Brooklyn. You know what a quadplex is? You know, there’s duplexes and quadplex.
SPEAKER 03 :
Yeah, sure. But really quick here before you go on, the dad signed on as her spouse. Now, is that illegal in Arkansas? I just had to ask. But go ahead, quadplexes. Go ahead.
SPEAKER 15 :
Anyway, so she applied for a personal mortgage on a quadplex, saying she was going to buy this quadplex. It’s four units, residential housing. Turned out it was a five unit and anything over four units is considered a commercial loan and would be at a higher rate. But she intentionally, she knew it was a five, a five unit, five unit building, not a four unit building. So she, she falsified the fact that it was a four unit dwelling when it was a five unit dwelling to get the lower rate. And last but not least on that house that she was buying in Virginia with her father’s, the co-signer, she claimed it was her going to be her primary residence because she You know, primary residence, the home you buy gets a better mortgage rate than a rental property.
SPEAKER 03 :
Right, right.
SPEAKER 15 :
Well, she’s the attorney general of New York State. And to be the attorney, you must be a resident of the state of New York to be the attorney general of New York. So how can you be the legal resident of New York and a legal resident of Virginia, which, by the way, she’s never lived in that house. So she’s committed four acts of mortgage fraud.
SPEAKER 03 :
Oh, this is delicious. This is delicious. Now, do you believe somehow, someway she will get convicted? I actually think she will.
SPEAKER 15 :
Well, it’s the DOJ. It’s going to be Pam Bondi going after her, so I hope.
SPEAKER 03 :
Yeah, I’m not worried about the competency of Bondi. I’m worried about the honesty of the court.
SPEAKER 15 :
That’s true, but hopefully with all the different – they can – Maybe prosecute her in a, by the way, New York State, by the way, has a bunch of red counties. There’s some solid red counties in New York State. So maybe they can get the right county and the right judge. That’d be great.
SPEAKER 03 :
Go judge shopping just like the left does. I would love that. Okay, hey, tell you what, let’s take a break and we’ll finish up with Jersey Joe. Up next is Flesh Law. Kevin Flesh, that’s F-L-E-S-H. He represented my wife on a traffic accident and, well, she won easily because she was in the right and also because he’s great. No one’s better than Kevin, so call Flesh Law at 303-806-8886 or go to FleshLawFirm.com.
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SPEAKER 11 :
This isn’t Rage Radio. This is Real Relatable Radio. Back to Rush to Reason.
SPEAKER 03 :
Welcome back to Rush to Reason, Denver’s afternoon rush, KLZ 560. Online, we’ve got Jersey Joe. Joe, take us home.
SPEAKER 15 :
All right, you know, since we just did the irony with New York State Attorney General being going to be prosecuted for mortgage fraud, let’s go to irony in California. Now, California, as you know, has had a war against internal combustion engines now for years. I mean, they’ve already passed a law outlawing, I think, by 2030, the sale and purchase of a new internal combustion engine vehicle in that state. They’ve got multiple lawsuits against oil and gas producers. So they basically declared war on the internal combustion engine.
SPEAKER 03 :
They are insane. Yes, go ahead.
SPEAKER 15 :
They’re insane. Well, anyway, last October, Phillips 66, which is one of the big refiners, announced that it would be closing its oil refinery located in the Los Angeles area by the end of 2025. That was a huge hit because there’s not that many. And by the way, California… has mandated a special blend of gasoline that is only produced and sold in California. No other state produces it. So that was a big hit. Last week, Valero, another huge refinery, has said, you know, we’ve had it too. Screw it. We’re going to close our refinery by the end of early in 2026. So now California is scrambling because with these two major refineries closing early, and say, we’re out of here. They’re not going to have enough in-state production of gas. They’re going to have to import gas. And nobody can force these out-of-state importers to produce the special gas blend. So the proposal by a couple lawmakers is for the state of California to take over and operate one or more of these refineries. I would sit back with a popcorn, a bowl of popcorn so big, if the state of California tried to run an oil refinery. What do you think?
SPEAKER 03 :
Yeah, I don’t think they’re up to the task. I think it would be an absolute disaster. They would micromanage it into the dirt.
SPEAKER 15 :
Into the dirt. So this is another great example of be careful what you wish for, California, because you’re getting your wish, you know, the refinery, the people who make the gas. And by the way, there’s 40 million people in California, and I think there’s 26 million cars, the vast majority of which are still internal combustion, not to mention all the… The trucks, by the way, you’ve got the port of Long Beach, and every day you’ve got hundreds, if not thousands, of trucks are loading up with shipping containers on the port of Long Beach, driving out of California. And, of course, diesel fuel comes from refineries.
SPEAKER 03 :
It does. Joe, really quick here. I believe that the stupidity of Democrat governance in California is going to hand us in 26 two to three more House seats.
SPEAKER 15 :
Andy, I don’t disagree. I hope you’re right. I think unless, you know, Trump tanks the economy, and I don’t think he will, I think that’s a given. So if we don’t, we have only ourselves to blame. I think what we’re experiencing right now with the stock market, which is hurting people’s 401ks, I do think this is the necessary pain. We’ve already got, what, 70 countries have come to the table and said, yeah, let’s talk about adjusting tariffs, and I think it’s only a matter of time. This is like two women pulling each other’s hair, and trust me, we are pulling harder on China’s hair than they’re pulling on our hair because they have more to lose than we do.
SPEAKER 03 :
Well, the bottom line is, though, in the next week or two, we need to start seeing deals.
SPEAKER 15 :
Yep, we do. But assuming these deals happen and we get the adjustments that I’m pretty sure we will get, I think if all that falls into place… Andy, you’re absolutely right. We’re going to pick up a couple of seats. Absolutely.
SPEAKER 03 :
I agree. Continue, sir.
SPEAKER 15 :
All right. Last, but let’s move on to a quickie. Carmelo Anthony, spelled with a K, not a C. The young man in Texas who stabbed to get… Yes, the murderer. There was a track meet, high school track meet, and the teams down there, they have these tents where their athletes can go to change clothes and whatnot and gather something. Well, he walks into one of the team’s tents and the people in the tent said, you’re not a part of our team. You don’t go to our high school Please leave. There was some shouting. Somebody said maybe somebody got shoved. He pulled out a knife and stabbed one of the high school kids in the heart and killed him. He admitted he stabbed him.
SPEAKER 03 :
Yeah, which, by the way, you can only do if you bring a knife to a sporting event, which you’re not supposed to.
SPEAKER 15 :
Right. Well, some people started a GoFundMe. It’s not a GoFundMe. It’s a GoFundMe took it down. They said we don’t raise funds for people in criminal cases, but there’s an alternate site. I forget the name of it.
SPEAKER 03 :
Whatever.
SPEAKER 15 :
It’s called Give and Go.
SPEAKER 03 :
Yeah, yeah.
SPEAKER 15 :
14,000 people have donated money. His defense fund is now over $500,000. Right. This guy’s an admitted killer. And 14,000 people said, you know, I need to donate to this guy’s legal defense fund.
SPEAKER 03 :
Yeah. America is sick. And the sickness is racism. Serious, because he’s a black kid. He killed a white kid. And for some reason, that makes it more understandable. Joe, do me a favor. Reverse the roles. Let’s say a white kid went into the black kid’s tent. Black kid said, leave. The white kid said, oh, yeah, you’re going to make me. I’ll tell you what, if you lay hands on me. So the black kid tries to get him to leave, and the white kid pulls out a knife and kills him. How’s that going to fly?
SPEAKER 15 :
They’d be lynching. Who was the kid up in Minnesota, went up to the riot, and he shot some people in self-defense? I forget his name. You remember that?
SPEAKER 03 :
Yeah, I remember. I’m spacing the name, but yeah, same thing.
SPEAKER 15 :
Same thing. No, he’s racist. He shot him because he was racist. What’s this white kid doing with a rifle, blah, blah, blah? And the jury said, no, he shot him in self-defense. They were attacking him. They were hitting him over the head with a skateboard.
SPEAKER 03 :
Right. But in this case, this kid, Carmelo Anthony, kills an unarmed white kid. Murdered him. Why? Because the kid got, what, shovey? All teenage athletes get shovey.
SPEAKER 15 :
Yeah, you’re in our tent. Get out. Yeah. And he apparently didn’t, and the white kid shoved him. You know, get the hell out of our tent. And he pulls out a knife and stabs him in the heart. By the way, deadly force, whether it’s a gun or knife, can only be used if you are in fear of death or serious bodily injury, if I shove you, Andy, are you in fear of serious bodily injury?
SPEAKER 03 :
No.
SPEAKER 15 :
That’s simple assault. You call a cop and say, he assaulted me.
SPEAKER 03 :
Yeah. You can say, he shoved me. He can say, or he grabbed me. He shoved me. Whatever. Yeah. Did he pull a knife on you, kid? No. You pulled out a knife and stabbed him through the heart.
SPEAKER 15 :
Yeah. Did he swing a club at your head? No. What was your threat of, and by the way, anybody who has a concealed carry knows that you have to be in fear of death or serious bodily injury. So unless this white kid was swinging a club at the guy’s head or had a knife of his own, deadly force was not justified under the law.
SPEAKER 03 :
No, it was not. I mean, and this kid, you know, right now his team’s playing it and hoping that they get one juror who is going to be so racist that they let him off. And that’s what I’m worried about. Hey, Joe, you going to be back tomorrow? Tomorrow, same time, same place. All right, folks, that’s it for today. Hour 1 replays next. Tanner Coleman joins me tomorrow, then Eli Bremer in Hour 2, and Jersey Joe again in Hour 3. Until then, drive safe, God bless, and thanks for joining us at Rush to Reason, KLZ 560.
