In this episode, John and Richard talk shop about the 2025 Honda Pilot Black Edition, an SUV that combines aesthetics with practicality. Listen in as they break down its standout features, including spacious interiors, storage solutions, and a reliable drive. Targeted towards families and SUV enthusiasts alike, this discussion offers valuable insights into the Honda Pilot's performance and value proposition. Whether you're curious about its engine specifications or how well it handles snow with its all-wheel drive, this episode provides a comprehensive review from experienced drivers. Don't miss the tips shared by the hosts on test-driving and fitting your lifestyle needs into this vehicle.
SPEAKER 02 :
All right, we are back. Rush to Reason, Denver's Afternoon Rush, KLZ 560. This is part of the week where we stick our drive radio portion in this as well or wear that hat. And, Richard, you've driven a couple cars here lately. One of these that we'll most likely replay again on Saturday is the 2025 Honda Pilot Black Edition.
SPEAKER 01 :
Yes. So 2025 Honda Pilot Black Edition, Dad, which is a Honda Pilot with a $1,500 appearance package on it. So it changes the appearance. And here's the deal. That's not to knock it, because I think that some people will like the Black Edition for what it brings, right? And the different accents and the blacked out, you know, trim packages and trim pieces that it does give you. So that is not a knock. I'm just telling you what it is. So if you know what a Honda Pilot is, I encourage you to check this vehicle out, Dad. And it is It is the same Pilot, Dad, that was introduced back in 2023 and is a fantastic vehicle, especially if you're looking for kind of that midsize SUV with two full-size rows, right, with that third row as a kid hauler, right? And some people are going to say, oh, those are fit adults. Dad, I don't think that this car should, right? And this size of car and vehicle in the market and other competitors – They don't fit full-size adults, and there's nothing wrong with that. I was able to drive the kids around it, put them in the third row. They fit fine. There's still a little bit of storage behind the third row, which is great. Again, the model that we had, you can actually take out the center console in the second row, store it kind of in the storage that's behind the third row, obviously in the trunk space, Dad. Right. If you don't want that, right, and that gives you a little bit more real pass-through, but if you don't want to do that, you can have a really great storage space in the third row that gives you even more room for groceries and some other things. And so if you're okay with, you know, sort of people... kind of sneaking in as you slide the second seat forward, and you don't need them to sort of pass through the middle of the second row. It gives you the ability to do that. Price-wise, Dad, on the Pilot, starts anywhere from about $41,595 for the Sport Edition to this Black Edition that we drove, which is about $56,130. Fuel economy is $19,025. We were able to average about $21,022. The acceleration and stuff, Dad, this has got a 3.5-liter V6. I believe it's got a 10-speed automatic transmission, which runs really well. Is this going to blast anyone off the line? Nope, but it's not meant to be, and I'm not knocking it for that. Relatively quiet on the inside. Got a lot of the creature comfort that you want on the inside. I'm not going to give everything to everyone on that. You can go kind of look for yourself of what you're looking for. But, Dad, you've driven pilots in the past, and you've driven the newer one, and it is a great option for that midsize SUV market.
SPEAKER 02 :
Solid vehicle. I get people all the time that ask, you know, I'm looking at this versus that. And this is a particular vehicle that always comes up in the lead, if you would, Richard, just because of its known reliability. By the way, its resale side is always high. I mean, at the end of the day, Richard, it's a Honda SUV. You can't go wrong.
SPEAKER 01 :
Well, exactly. And Honda, again, lots of reliability, right, Dad? And it's got great visibility. Yes, at our altitude, what I love a little bit more, there's some different competitors out there that have got some different engine options, yes. But for the value, Dad, where you're in the mid-50s, so you're sub-$60,000, for an all-wheel drive, mind you, this is an all-wheel drive vehicle, it's really hard to beat. So I would encourage folks... Head to your local Honda dealer, test drive it. And if you've got kids, and, Dad, I know this part, next part, you don't care about, but if you've got car seats, folks, I can tell you that car seats will fit in this car, and they fit in relatively well and easily. And I encourage you to go out, put your car seats in these cars, because the last thing you want to do is buy a car, and something doesn't fit, right? And then you've got to figure out what to do there. So encourage folks, check it out. Head to your local Honda dealer. When you do that, let them know that John and Richard Rush from Drive Radio and Rush to Reason sent you.
SPEAKER 02 :
This is John Rush from Rush to Reason and Drive Radio. Thank you so much for listening. Check out more of our podcasts at RushToReason.com or Drive-Radio.com.
In this episode of Drive Radio, we dive into winter driving conditions and share essential tips to keep you safe on the roads. Our guests, Steve Horvath from Geno's Auto Service and Pat Schneid from Alltech, discuss the challenges of navigating snowy roads and the importance of selecting the right tires for your vehicle. Learn about the best tires for snow and how vehicle compatibility plays a crucial role in performance and safety.
SPEAKER 14 :
It's 106 miles to Chicago. We've got a full tank of gas. It's dark, and we're wearing sunglasses.
SPEAKER 15 :
Hit it. Our lady of blessed acceleration, don't fail me now.
SPEAKER 10 :
It's time for Drive Radio, presented by Colorado's select auto care centers.
SPEAKER 16 :
Bop-a-da-bop!
SPEAKER 10 :
Whether you need help diagnosing a problem. I want to ask you a bunch of questions, and I want to have them answered immediately. Or just want to learn about all things automotive.
SPEAKER 09 :
Hey, how exactly does a positrack rear end on a Plymouth work?
SPEAKER 10 :
It just does. Then you've come to the right place. So start your engines, buckle up, and get ready to ride. Drive Radio starts now on KLZ 560 The Source.
SPEAKER 18 :
All right, and it is Drive Radio, KLZ 560. Thank you all for joining us today. We appreciate it very much. Steve Horvath again with us. He was with me over at Fix It Radio, so he's agreed to hang around, of course, through Drive Radio. He is from, of course, Geno's Auto Service over in Littleton. Pat Schneid joining us from Alltech up in Fort Collins as well. And Pat made the trek down.
SPEAKER 04 :
Hey, nice to see you guys. Thanks for having us today.
SPEAKER 18 :
Okay, so I'm sure a lot of people are thinking the same. How is the drive from up north down here?
SPEAKER 04 :
So the roads are good winter driving condition, a little bit of packed snow, and, of course, the plows are out. The only other typical thing is traffic's moving about 60% to 70% of normal speed. Okay.
SPEAKER 18 :
So not too bad. Take your time if you have to get out and about. Now, what I would also say, and we say this all the time, if you're like us, natives, whatever, you're used to driving in this stuff, doesn't bother you, you've got the right equipment, right tires, and so on, you know what? Be my guest. Go have fun. If, on the same token, you're a transplant, and you struggle to drive in the snow, and you really don't need to go anywhere today, don't. Just hang out until they get some of this stuff plowed and handled and done, and you'll be a lot better off, and so will the people around you.
SPEAKER 04 :
It's a great day for a fire in the fireplace.
SPEAKER 18 :
There we go. There we go, Pat. Bill in Lakewood, go ahead, sir, starting us off. What's up?
SPEAKER 07 :
Hey, here's just a little help for people because I'm sure there's a million people out there going, shoot, I should have bought tires yesterday.
SPEAKER 18 :
Yeah, they should have, exactly.
SPEAKER 07 :
But, you know, in my experience, you probably know, too, like the Wranglers Duratrax, I'm telling you, man, they're hard to beat.
SPEAKER 18 :
They work good. No, they do. They work well. I've got a couple of trucks with those on them that, you know, came that way from the factory. No, that's a great tire in the snow. They work very well.
SPEAKER 07 :
Right, because I got on my new truck, I got the Kevlar's, and they ain't quite as good. They're okay, but they're not as good as the Duratrax.
SPEAKER 18 :
I can't say as I disagree with that. And also we'll say this when it comes to tires because I've also learned this, Bill. A lot of it comes down to also the vehicle. I am one where I think there are certain vehicles where certain tires work better on that particular vehicle, and there's a lot of other factors that come into play. And I've said this many, many times. No, it's not a one-size-fits-all when it comes to tires. You really need a tire that fits what you're going to be doing with that vehicle for those conditions.
SPEAKER 07 :
Right. Yeah, but the snow, I mean, especially with the all-seasons, some are better than others.
SPEAKER 18 :
Correct. You are correct in that. We'll not doubt that.
SPEAKER 07 :
And the problem is, half the time, these manufacturers just put it, it's the price that determines what the heck they're putting on.
SPEAKER 18 :
Well, and you bring up a great point, too, Bill. There's a difference in – and there's a few exceptions to this, but not many. I mean, what I mean by that is there's a few special modeled – there's a few special vehicles. whereby you can go buy that same tire out in the open market, no problem. But typically, the OE tire is its own tire. They have gone to that manufacturer. They have requested a particular tire be built for them for that particular car. And in some cases, it's really hard to even find that same tire again, not going back. And even then, sometimes they won't have that same tire. Now, the Duratrac and some of what you're talking about is kind of one of the exceptions to that rule. But for a lot of folks out there, if you're listening, you may not find that same factory tire you got on that car originally. You may not find that again.
SPEAKER 07 :
But, you know, you're right, because that did happen to me once a long time ago. I don't remember which car it was even on. But the ones I was able to buy weren't like the ones that came on the car.
SPEAKER 04 :
That's right.
SPEAKER 18 :
Yep, you're exactly right, Bill.
SPEAKER 16 :
How noisy is this tire? Because it looks pretty aggressive.
SPEAKER 18 :
Not bad, actually. I've had them on my ZR2. In fact, I've got those on... I'd have to go remember what vehicle they're actually on now, but I've got them on another one of my vehicles. I think this Ram I'm driving right now is a test... car actually a test test drive i'm on right now i believe steve has those on it and they're not bad they're actually they're because the way they cite the outer edges and such they're really not that noisy they're actually a very to bill's point they work really well snow and ice and so on but they're not super noisy
SPEAKER 04 :
Is this a Wrangler dirt track? Wrangler dirt track, yeah. I think I've got them on the Suburban that I'm driving to, and they're pretty quiet. They're very similar to, like, a BFGoodrich all-terrain, you know, not a mud train, but the all-terrain.
SPEAKER 07 :
I'll take a little noise to not getting stuck. I mean, I've gotten stuck in the snow, you know. Agree. One time I was going from Greeley to Roosevelt, Utah, if you know where that is. Oh, yeah. And... I thought the car, this was about 40 years old, probably closer to 50 years ago. I thought the car had all seasons on it, and they were recaps. By the time I got between Colorado and Roosevelt, I spun off into a field. That's too bad.
SPEAKER 18 :
Bill, you brought up some great points. Thank you for that. I appreciate that very much. Jerry and Greeley, go ahead, sir.
SPEAKER 03 :
Last week, a gentleman called. He had almost gotten a citation for idling his vehicle in his driveway. And he was able to persuade the officer, show him a printout of the statute that said he was okay. But that got me thinking about my situation here in Greeley. So I looked it up, and Greeley has a municipal ordinance that allows citation anyplace. It doesn't matter whether it's private property or a public roadway. that they can cite you for idling an unattended vehicle unless it's got the remote starter set up.
SPEAKER 18 :
Well, and that's kind of what I had always thought, and he last week said that that's – and I haven't had a chance to look up actual verbiage on said law, Jerry, and I need to do that. But his point was that it's only on public property that they can do that, and maybe that's – different in certain municipalities and so on. Jerry, this last week I was busy enough I did not go look any of that up. I was under the impression that they can write one anywhere.
SPEAKER 03 :
Well, I don't know about any other jurisdictions, but in Greeley, yeah, it doesn't matter whether it's private or public. Okay. I also wanted to ask, last week you mentioned how you like to avoid rolling down your side glass if you can avoid it.
SPEAKER 18 :
Yeah, this time of year, absolutely, because I'm very – as you guys all know, I'm very particular. I don't like scratches in my side windows, and when they get all – crudded up with all the stuff off the road right now no matter what you do that felt strip will still get embedded with some of the road debris and so on jerry so i do my very best to not roll a window down this time of the year i mean even if and i rarely ever go through a drive up anyways but if you were i would roll through and open the door or i would go in i would not roll my window down
SPEAKER 03 :
Well, I've got some pretty bad scratching on one of my side windows, and I've been doing a little research, and I found that it appears sometimes people can buff that out with cerium oxide.
SPEAKER 18 :
Rarely. Yeah, I mean, and we've had even our glass guys on from Novus talking about this, and there's some product out there, and I've had some listeners claim, because I've not seen this with my own eyes, claim that you can... Okay. Okay. I don't care what anybody says. I don't care what any claim is because I've done it. And I've tried all of but maybe one product out on the market trying to get some of those scratches out of glass. And people forget that that glass is harder than what you're trying to use to get it buffed out. And, again, personally speaking, and I know some folks claim you can do it, but I've never seen it done. Not with my own two eyes.
SPEAKER 03 :
Okay. Yeah. Maybe I'll give the Novus folks a call and let them look at it and see if they think it might be feasible. I don't know if they even offer that service for sure.
SPEAKER 18 :
Well, and I think what they're going to tell you is, and here's the reality, side windows aren't super expensive. And what a lot of them are going to tell you is for the price of the window versus the labor and time and effort it takes to get the scratches out, just put a window in it.
SPEAKER 03 :
I see.
SPEAKER 18 :
And literally they're going to tell you that because in a lot of cases, Jerry, a side window might be $150 or so is all. And if you look at the labor anymore and what it would take somebody, you know, an hour or two to actually try to buff that side glass out and do all of the work on it and so on, you put a window in it.
SPEAKER 03 :
Right, right.
SPEAKER 18 :
And I'm not exaggerating when I say that.
SPEAKER 04 :
No, that's true. Mm-hmm.
SPEAKER 18 :
Okay. Makes sense. So, anyways, my rule of thumb, and I know my family at times even thinks I'm the weirdest guy on the planet, but just don't roll them down when it's dirty.
SPEAKER 03 :
Yep, sounds good to me.
SPEAKER 18 :
All right, Jerry, appreciate you. And yes, I am. I'm weird. I don't like those fine scratches. And I also know that really no matter what you do to try to minimize that, about the only thing you can do is wipe that window off first and then roll it down. But if it's dirty and you roll it down, chances of it getting scratched is very, very high. And it just happens.
SPEAKER 04 :
See, I agree with you totally. All my windows are scratched because as soon as it's 25 degrees, if it's sunny, my window's coming down. I just need the fresh air.
SPEAKER 18 :
And that's what happens. And, again, if you're okay with that and you understand what's going on, then, you know, have at it. More power to you. Just know that. And people think, well, it's because the new windows are softer than the old ones. No. I mean, you can go look at an old truck. Go look at the side glass on an old truck even, and you'll find the same thing. Or an old car. You'll find the same thing that I'm talking about. No, it's just the fact that those rocks and things get embedded down into the felt that's on the outside. In fact, what I will tell you is I think it's worse on newer cars than older cars because the felt is tighter now than it used to be on the old cars. So you've got more of a wearable item there than what we used to have. That's my theory on why some of the new ones are worse than the old ones.
SPEAKER 16 :
We used to break the window regulator when it was frozen, too. Oh, yeah. Things would freeze up.
SPEAKER 18 :
Not as much of a deal, but the tape used to go bad, too, in the old ones. They'd break the tape. The tape would get old and brittle, and the window would be halfway frozen shut, and you'd go to roll it down. It'd break the tape. Yeah, that was very common back in the day. Pros and cons, new and old. All right, we've got lines open, guys. Give us a call, 303-477-5600. Question of the day, favorite snow story. Could be driving, could be not, but since it's snowing out, I thought I'd throw that out there. So if you've got a nice story to share with us, let us know. Larry Unger is normally with us today. He is not today, and he said, hey, with the weather and my knee and so on, I said, Larry, it's all good. If you're listening, by the way, Larry, thank you so much. I appreciate you and all that you do, and our folks will miss you today. But, no, stay home, stay safe, stay inside. We'll be right back, though. This is Drive Radio, KLZ 560.
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SPEAKER 18 :
All right, we are back. Steve Horvath with me today again from Geno's Auto Service. Pat Schneid from Alltech Automotive up in Fort Collins as well. Soren, what is going on this morning, sir?
SPEAKER 08 :
Well, not much. It's pretty snowy up here.
SPEAKER 18 :
Yeah, I think it's pretty much everywhere right now. So I think if you're in our listening audience, maybe some folks way, way east may not be getting quite as much. But this is a pretty big storm, Soren. I think most everybody's getting something right now.
SPEAKER 08 :
Yeah, the most funny part about it is last night coming home, before everything was slick, the big major road right outside our house, Highway 14, was moving about 10 miles an hour. It's insane how everybody wants to move really slow when the conditions are not horrible. But when they are, they are.
SPEAKER 18 :
Yeah, I know. Don't get me started.
SPEAKER 08 :
Yeah, so I figured I'd call in and tell you about that renting a Cybertruck.
SPEAKER 18 :
No, tell us. I've never... I mean, I've looked at them in parking lots and kind of looked through them, the window. I've never been inside of one. I've never... That's one of the few vehicles, Soren, that I've never driven. So, yeah, no, give us your feedback.
SPEAKER 08 :
Well, those things are kind of insane. Tesla has fixed their build quality over the years. I mean... It feels pretty good except for the door panels. The door panels feel a little bit junky, but everything else feels about pretty good. That thing was stinking fast. We took it down to Mexico for legal reasons, and it got up to 100 within about a quarter of a mile. Wow. Wow. Wow. Yeah, you hit the gas.
SPEAKER 18 :
That's fast for as big a vehicle as it is as well. I mean, it's not a small vehicle at all. It's big, heavy.
SPEAKER 08 :
Not even a tri-motor. That was a dual motor. Wow.
SPEAKER 18 :
How does it feel driving it, Soren? Does it feel nimble? Does it feel heavy like a truck? I mean, that's one thing I've always wondered. How does that part of it feel?
SPEAKER 08 :
From what I heard, it feels pretty good driving it fast. We rented it from Turo, so you aren't allowed to drive unless you're over 25. Okay. But it turns really good. The four-wheel steering really helps on that.
SPEAKER 18 :
Okay.
SPEAKER 08 :
Apparently, it drives a little bit more like a car.
SPEAKER 18 :
I wondered about that. I kind of figured that might be – which, by the way, is good. I'm fine. I mean, nothing worse than driving a truck that feels like a truck. And it's one of the complaints I have with the older model Toyota Tacomas and 4Runners is literally they drive like a truck even though they're not. And that's always been one of my complaints with those vehicles.
SPEAKER 08 :
The most insane thing was autopilot. We used that coming up from Firestone where we rented it. Okay. You know, I-25's in pretty big construction right now.
SPEAKER 18 :
Right, right.
SPEAKER 08 :
It handled the entire thing just like a normal diver. It caught people slowing down way before we were behind them. It handled it really good.
SPEAKER 18 :
Interesting. That is a testament to their artificial intelligence.
SPEAKER 04 :
Mm-hmm.
SPEAKER 18 :
Yeah, and they're the lead, as you know, Soren and guys, they're the leader. Musk is the leader in all of that. Even though he gets some bad raps at times on the autopilot thing, if you think about how many cars he's got out running around using it and the rarity of somebody actually having a problem, and typically that's user error at that point, honestly, he's got that system pretty well dialed in.
SPEAKER 08 :
We had it on standard autopilot mode, and it still executed multiple lane changes to get into the fast lane.
SPEAKER 18 :
Okay.
SPEAKER 08 :
It wanted to get going.
SPEAKER 18 :
What's the interior space and all of that feel like? I mean, the way the vehicle looks, you'd almost feel like you're cramped inside, but is it that way, or does it just look that way from the outside?
SPEAKER 08 :
It's really pretty comfortable in there.
SPEAKER 18 :
Okay. What's the visibility like looking out of it?
SPEAKER 08 :
It's insane. You got the world's longest dash. Visibility, pretty good. But the best part about it is that your front end is just about where the dash ends, so now you know exactly where that is.
SPEAKER 18 :
Okay. All right. Good to know. the configuration where you know it can be an suv or a pickup and the sliding you know tonneau cover and all of that does all of that work well is it still quiet inside when things are closed up i mean given the fact that you can reconfigure it you always wonder you know like the old avalanches is it going to be noisy is it going to be quiet what was that part like it was insanely quiet um but
SPEAKER 08 :
You looked at it. I know you've said that EVs are hard on tires.
SPEAKER 18 :
They are.
SPEAKER 08 :
But EVs are hard on tires. This thing had 18,000 miles on it, and the front tires were completely bald.
SPEAKER 18 :
Yeah, they're hard on tires. A, because of the power, the regenerative braking as well, and they're heavy. So you kind of combine all that together, and yeah, tires are hard on tires.
SPEAKER 08 :
But also... We never lost traction once.
SPEAKER 18 :
Really?
SPEAKER 08 :
Yeah. On gravel, you hit the gas, it does not lose traction.
SPEAKER 18 :
Interesting. Okay.
SPEAKER 08 :
Good to know. But, yeah, it was an insane experience.
SPEAKER 18 :
charging was pretty fast we stopped at bucky's um it was pretty easy you just pulled right up pulled out the charger hit the button on the charger okay okay oh so so last question is it worth uh i mean those things i think are down a little bit price wise now because there's a plethora of inventory but it's still you know 100k ish truck or so when it's all said and done worth it or not
SPEAKER 08 :
You can get one right now for $74,000 brand new. Okay. Worth it or not? Okay.
SPEAKER 04 :
I think my new 2025 resolution is to go rent one and have this experience.
SPEAKER 18 :
Yeah. I think that's one of those vehicles that I would highly suggest. If you think of wanting to buy it, I would do exactly, Soren, what you've done and go rent the thing, go enjoy it for two or three days and really see if it's something that you like before you invest that money in buying it. The one that you drove, was it all stainless or was it wrapped or anything along those lines? No.
SPEAKER 08 :
No, I guess the guy who has it is kind of goofy because it was all stainless except for the front, which was wrapped black.
SPEAKER 18 :
Okay. That was the only weird. Okay. Okay. Interesting.
SPEAKER 08 :
That was a little bit weird. You see it and you're like, well, okay. Okay. Yeah. Yeah. Okay. All right. Luckily, we did not plant a bomb in it. Yeah. Yeah. Good one. Yeah.
SPEAKER 18 :
Good idea. Not a good idea to do that at all.
SPEAKER 08 :
Also, I would like to get your opinion on what you think of this new Dodge Charger Daytona.
SPEAKER 18 :
Again, I haven't really had any direct experience with it. I mean, I saw some of the early things they were going to do on the EV side, Challenger-wise and so on at SEMA, but I don't have any experience with that one, one-on-one. The whole making it sound like a muscle car with the speaker thing and so on, to me, is just the dumbest thing ever. I'm sorry. I think that's the dumbest thing ever. I mean, it's an EV, and it's an EV. If it's not, it's not. And trying to make it an EV that sounds like a regular petrol car, to me, is just the dumbest thing ever, Soren.
SPEAKER 04 :
Okay, but devil's advocate here. This is America. This is capitalism. If there's a market, if people will buy it.
SPEAKER 18 :
And there probably is, and there's probably people out there that would enjoy that. To me, that just defeats... I mean, if you're going to make it fast and quiet and all of that and fine, which I'm guessing it probably will be because EVs are super fast, Soren, just the whole concept to me just doesn't fit. I'm sorry.
SPEAKER 08 :
Yeah, well, I don't know. I think the Hyundai Ioniq inline is better. Because they try to make it more like it's goofy on the inside and don't project any sounds on the outside.
SPEAKER 18 :
Right. You're right. Again, if you want an EV, buy an EV. Great. Fine. Have fun. Not against them by any means. If that's what suits your fancy, more power to you. And I know there's some great supercars out there that are either EV or a combination of. Great. Good job. Is this going to pan out well for... For Dodge, my prediction on this one, Soren, is this is going to be a flop, but I could be wrong.
SPEAKER 08 :
I have a prediction that there's going to be an insane lease deal like on the Fiat 500.
SPEAKER 18 :
I think you are probably correct when it's all said and done. I would not doubt that one at all, Soren.
SPEAKER 08 :
Because I bet there's going to be thousands of them sitting on locks.
SPEAKER 18 :
I would venture to guess you are correct. Soren, I appreciate you. Thanks for the update, man. That was great. Appreciate that very much. Thank you very much. Kurt Rogers is going to join us in a minute. We'll get an update on what's going on in the mortgage world, which, yeah, can affect a lot of you when it comes to driving and different things. So we'll get him, and he'll just kind of be standing by here in the background in a few minutes as well. We'll take a quick break and come back. Don't forget, lines are open, 303-477-5600, Drive Radio, KLZ 560.
SPEAKER 14 :
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SPEAKER 12 :
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SPEAKER 11 :
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SPEAKER 18 :
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SPEAKER 06 :
It's probably pretty wise because those roads get pretty ugly pretty quick.
SPEAKER 18 :
They do. All right, so, Kurt, I know we talked on last Thursday, and this may be something for a lot of folks that are listening right now where these are, in a lot of cases, they're car guys, and they're looking at different things, and maybe some of them want to build a shop out back or whatever the case may be, do some remodeling or what have you. and or they may want to buy something brand new, build something brand new. You and I talked about that a little bit Thursday. Walk us through, if somebody's wanting to build a home, build a shop and so on, what are the steps they have to do to make that happen?
SPEAKER 06 :
If you're trying to build a home, we mentioned this on Thursday, the first thing to do is own the property. Because if you try to buy the property and the build on the home at the same time, the banks are going to limit your amount of money they'll loan you is 80% of those two figures. But if you own the land the day before you start to build on the property, they're going to give you 80% of future value. So the example I used on Thursday was $300,000 for the land, $700,000 for the build. Well, when you put those together, it's going to appraise out and be taxed at $1.2 million. So now you get 80% of that versus 80% of a million.
SPEAKER 18 :
Okay.
SPEAKER 06 :
So that's the first step.
SPEAKER 18 :
So first step is find your property, figure out a way to get that bought for, you know, get that all done and handled and, you know, have that in your back pocket if you would, and then start looking at the build side. That's correct. Okay. That makes total sense. Okay. Okay. What about somebody thinking about, hey, I just want to go put a shop out back, and I know there's lots of hoops that have to be jumped through when it comes to city approval, county approvals, and so on, but outside of all of that, which somebody has to do on their own, Kurt, how would they fund that? How would they make that happen?
SPEAKER 06 :
You can actually do, they've changed some of the financing because of the shortage in houses. They have ADUs, so they've got more financing and more accessibility to be able to build another quarters out there, like a garage with a with a bedroom attached or a kitchen attached to it to where if you wanted to rent it out or if you just wanted to build it. The loans are, there's many more types of loans to be able to get for that. And the counties and their zoning codes are allowing it.
SPEAKER 18 :
Okay. So my suggestion would be, because of everything you just said, Kurt, would be figure out a way to where you could maybe combine the two together. So you end up with maybe some shop space where you can work on your hot rod or whatever you've got going on, but then put an ADU in it. as well uh by the way by the time it's all said and done depending upon what you want to do there you could either use that for you know family that come in and out of town or you could rent that portion out you know there's all sorts of things you could do after the fact and really make that that that thing even pay for itself if you want to yes what the lenders are doing now is they're looking more at when you let's say you want to build that garage so you can house your cars
SPEAKER 06 :
they're going to look at what does that bring to the value of it. Because there's more people putting ADUs and extra buildings on their property, there's easier ways to get comps for that so that it will praise up so that the bank can finance it for you.
SPEAKER 18 :
Okay. So for those of you listening that have thought of doing some of those things, a few steps that I would go through. Number one, sit down and talk to Kurt. Say, okay, here's where I'm at. Here's what I'm thinking. Here's where I live. And to your point, Kurt, even the state, there was a law passed last legislative session, not this one, but the one prior, making ADUs. really overriding in some cases local jurisdiction laws in regards to ADUs. The state's kind of overriding those saying, yeah, we need more housing. And one of the ways to do that is to have more, you know, ADUs. So there's been some changes, I guess I could say, Kurt, in that world making ADUs a lot more possible when you might have found three or four years ago it wasn't. It may very well be today.
SPEAKER 06 :
You bring up a very important point. Almost all subdivisions anymore are now accepting ADUs, and people are looking at them as, well, I can have that extra garage, but I can get somebody to pay for it through an ADU. It's working out very well because that might be the only way you can get finance for it instead of just building the garage. You put an ADU with it. And the ADU doesn't need to be, you know, 500, 600 square feet. Yeah, exactly.
SPEAKER 18 :
It doesn't have to be that large. That's right, 500 to, you know, depending upon the size you've got, 500 to 1,000 feet, you know, one bedroom, one bathroom, you know, kitchenette kind of a thing, whatever. It just depends on how you want to get the thing built out. And some of you are thinking, well, how does that pay? Kurt, minimum rent, and I don't think I'm exaggerating, minimum rent, probably $1,500 a month plus. Am I wrong in that?
SPEAKER 06 :
No, not at all. When somebody's renting an ADU, they're pretty nice units, and people will pay that kind of money, $1,200 to $1,500 a month is not a problem, which subsidizes. the cost of doing the ADU with the garage.
SPEAKER 18 :
Point being, you could very well get somebody else to pay for what you want to do with your quote-unquote shop space. And again, Kurt, as you know, there's all sorts of folks out there that would help you with the design and the architectural end of things and so on. And yes, I know there's hoops to jump through with cities and counties and so on. But for a lot of folks, the first thing they've got to get figured out is, okay, this is a grandiose idea. How do I pay for it?
SPEAKER 06 :
And that's where the phone call to me. We can sit down. I kind of give you some ideas and show you some different type of financing. When you're thinking of building like the garage, I think most men like myself, when I was wanting to put one on my house. I knew exactly what I wanted. The ADU part of it would be something else, but they have prefab ADUs that just come in, plant them, plug them in, and go.
SPEAKER 18 :
Okay.
SPEAKER 06 :
So it saves a lot. Okay, good to know. They're much cheaper, too.
SPEAKER 18 :
For those of you listening, too, you can call Curt directly, 720-895-0500. Again, 720-895-0500. Now, going back to the car side, Curt, because this is something that we probably haven't talked about of late, but let me make sure we give folks a reminder. There might be some of you listening. probably younger because you don't know this and haven't been through this one of the mistakes kurt that i see people making is they've got everything all dialed in they're ready to get closed on their home but all of a sudden they're about two weeks from closing and they think it's a great idea to go buy a new car or a used car even um you shouldn't do that right kurt
SPEAKER 06 :
Most definitely. You actually should go out and buy anything, even if it's like a $3,000 refrigerator and put it on a credit card, because it affects too many things. Understand the lenders are going to rerun your credit. 24 hours before it closes. And if they see anything new, they're going to stop the deal.
SPEAKER 18 :
So, and Kurt, it's something that I know a lot of times realtors will inform a new buyer of some of these things and so on. But I think sometimes it just sort of falls on deaf ears and they think, oh, that's okay. I can go buy that new Tahoe before we close on the house in a few days. And reality is, yeah, no, you can't do that. I mean, you can, but it's going to affect you buying that house, right?
SPEAKER 06 :
Yeah, I've had that actually happen. A guy went out and bought a $50,000 truck the day before it closed. The bank found out about it. We said, time out. We had to figure out a way to redo it, make it work.
SPEAKER 18 :
Because the other thing they do, too, that I think folks forget is they will come back in and check things even a week or two after you've closed. Am I correct in that, Kurt?
SPEAKER 06 :
Yeah, they're going to do a check, yeah, because understand lenders are looking for fraud, and there's a certain type of customer that's applying. that they have a tendency to create more fraud. So they're going to do checks on all the files, an employment check, they're going to do a credit check, see if you were committed to that prior to. They're going to do background checks on that just to protect their money.
SPEAKER 18 :
Yeah, point being, guys, believe me, you're not going to skate by on some of these things. They're going to be double-checking what's going on, and if things aren't quote-unquote kosher, Kurt, they're going to find out, right?
SPEAKER 06 :
The biggest thing that lenders look for is if you say, I want to buy this property as my primary, and that house is, for example, less money than the home you own. that immediately sends up red flags to the lender that you're buying it as an investment because most people won't downsize. Now, if there's a reason for it, that's fine. Job move, family.
SPEAKER 18 :
Kids all moved out of the house. You don't need that much house anymore, et cetera. But I'm guessing even on that, Kurt, they're looking at your age. I mean, if you're in your late 50s doing that versus your late 30s doing that, even that probably is an indicator as to what's going on, or am I wrong?
SPEAKER 06 :
No, you're dead on, John. Those are things that they look for. So when we ask questions, we're asking for them for a reason, to make sure that the lender, when they do do the checks, find out that you're legitimate and what you're trying to do is what you're trying to do. You're not trying to create something.
SPEAKER 18 :
Got it. Makes sense. Kurt, as always, I appreciate it. Thanks for taking time out of your day. And for those of you listening that have any inclination of anything along these lines at all, or you're just looking at mortgages in general, I will tell you straight up, Kurt's the guy. Those of you listening that are self-employed, I know I said that Thursday as well, Kurt, but self-employment, guys, we all live in a little different world when you're self-employed, especially when it comes to folks like you, Kurt, and there are Literally, there are mortgage brokers out there that you tell them you're self-employed and you're done. It's a kiss of death. They're not working with you.
SPEAKER 06 :
They won't talk to you.
SPEAKER 18 :
Right. You will. And you're an expert in it.
SPEAKER 06 :
You've done a lot for me. I'm self-employed. Yeah, I will.
SPEAKER 18 :
You've done a lot for me. So, Kurt, I appreciate it. Stay warm. And thanks for all you do for us, sir. I do appreciate it greatly.
SPEAKER 06 :
You bet. You do the same. All right, man.
SPEAKER 18 :
Appreciate you very much. Take care. We'll take a break. We'll come back. Lines are open. 303-477-5600. Drive Radio, KLZ 560.
SPEAKER 09 :
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SPEAKER 01 :
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SPEAKER 14 :
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SPEAKER 17 :
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SPEAKER 18 :
All right, we are back. Drive Radio, KLZ 560. Appreciate you all joining us. And if you're out and about, be safe on this snowy day. If you've got any questions for us, we have lines open, 303-477-5600, 303-477-5600. Somebody was texting in saying, one of the only times I ever got a mortgage work request, three days before closing, had a mysterious direct deposit into my account. It was a performance bonus that this particular person received. Even though he was putting a lot of money down and so on, they scrutinized the crap out of that. So yeah, they will. So there you go. Even in that case, it wasn't a purchase. It was a large deposit from his employer. But even that was enough of a red flag on the mortgage end of things to be scrutinizing it, proving our point as to what Kurt said a moment ago. So thank you for that message because it just solidifies everything Kurt said a moment ago. And a lot of you are thinking, okay, what does Kurt have to do with cars and all of that? Well, because it all runs together, folks.
SPEAKER 04 :
Yes, everybody's looking.
SPEAKER 18 :
And what I said a moment ago about, you know, there's a lot of folks that will go out and buy a brand-new house or do whatever. They're going to refi whatever, and then all of a sudden they go out and, you know, decide to buy a car last minute. Yeah, don't do that. Don't do that. Don't do that. You just have screwed everything else up. Now, the other reason why Kurt fits well into all of this, as some of you listening may find, that, hey, you've got, you know, you want to buy a classic car you want to do something along those lines or you want to maybe get to a point to where you're semi-retired and you want to flip some cars but you need some capital to be able to do some of that you can do all of that kirk can show you ways to even use your own home and the equity therein to make some of that happen and that's how he also fits into what we do here on drive radio because he can assist you with some of those things and for some of you listening he has you know who you are and he's enabled you to be able to do those things so that's another thing where where Kirk can help you out with all that. And last but not least, like begets like. There's a lot of you listening that are self-employed that you know we go through different things in buying homes and getting mortgages than most do. When you're a W-4 or W-2 employee, I should say, it's a lot different than when you're driven off of tax returns and business income and so on, and it changes things dramatically. Even if you're salaried out of your own company because you're the owner of, it's still not the same as having somebody else writing that check that you work for. So yeah, for a lot of you listening, a great resource. Kurt would love to take care of you. 720-895-0500. Okay. Back to Drive Radio. All the things we have going on here, lines are open. If you have a question for us, please let us know. 303-477-5600. Now, as we maybe finish out this first hour, I've got somebody from Worldwide Auto coming on at 11 o'clock and talk about some of the cars that they've got in inventory and how some of that works and so on. So we'll talk to them. But before we do that, cold weather driving. Now, we kind of started off the last hour. Bill called in and talked about, or first of this hour, I should say, Bill called in and talked about tires and so on. And I am one, and again, this maybe goes against traditional thinking, but me personally, I'm one of those where if this is the vehicle you need to go A to B, And it has to go A to B no matter what. You've got one of those types of jobs where on a day like today, you can't take off. You have to be out in it. You have to go from A to B, kind of like me coming down here today. There's just no options. I am one that believes as you head into winter, if your tires are below 50%, buy new tires. Because when you get to that 50% mark, That particular tire, even if it's a snow type tire, that tire is not going to perform as well, especially on days like today, as a new tire will. So I'm one that says put new tires on it, save the old ones, run them in the summer. You can probably get another couple of summers out of a half worn tire if you'd like. And for the money to swap, it's still worth doing because the last thing you want on a day like today is to not be able to go where you need to go. Or be stuck or have any other kind of a problem because your tires weren't good enough. And I can tell you whether you're driving all-wheel drive, full-wheel drive, front-wheel drive, tires make a huge difference in how that vehicle performs. And I've seen a really good, solid, you know, all-wheel drive type vehicle perform. be terrible in the snow because of a set of tires that were on it, versus a not-so-good car in the snow with really good tires on it, do as well as the four-wheel drive or the all-wheel drive that has bad tires. Does that make sense? Makes perfect sense, and I would have to agree with you 100%. Case in point. When we were kids, and I know I'm going back in time and dating myself, I still have my car from high school, 68 Buick Grand Sport, which as I was growing up, going through high school and so on, we ran, and I ran, I should say, studded snow tires on that during the winter months. It had a positive traction rear end, studded snow tires, rear wheel drive. That's not a front-wheel drive car because those weren't super popular back then. They were just kind of starting to, you know, in fact, in GM's world, they didn't start until 1980 with the, you know, Citations and Skylarks and all that. The X-Body cars were the first. Well, they had Rivieras prior to that, but that was really kind of their first run at a smaller front-wheel drive car was the X-Body cars. Yeah. So, you know, everybody back then, you pretty much drove a rear wheel drive car. So in my case, you know, my dad thought, OK, well, let's just put some studded snows on it and you'll be able to get around and do whatever you need to do. And I did. Day like today, would I have been out and about in my old Buick back then? Yeah, and I would have gone anywhere I wanted to, no problem, because the car had the right tires for the conditions and so on, and even though it was rear-wheel drive, you could still pretty much go anywhere you wanted to go in that car. I see people today struggling to go A to B, and I'm looking at their all-wheel drive wondering, why are you having so much problem? Well, the reality is because their tires are probably not adequate for what they're doing, and I'm not exaggerating on any of that, guys. The tires will make the vehicle.
SPEAKER 04 :
Yep, I think that's exactly right. It'll keep you out of a tough spot. And I think, you know, you were asking earlier about the theme for today's show, your favorite winter driving story, your favorite winter story. So much like you, when I was driving in high school, my mother's car was a 1977, 1977 Monte Carlo. Very long hood. Coming up to a T in a road, I had to make a choice, left or right. I was going too fast, slid right into the snowbank, and terrified because as I backed out, the headlights weren't working. I thought, sure enough, I busted out all the headlights. No, they were just packed full of snow. But that's what you learn if you get out in the car, in the vehicle, in the conditions you're going to be driving in and practice. And back to your point, then the tires will probably save you in an instant like that.
SPEAKER 18 :
Yeah, I saw, you know, even this morning, again, not trying to, you know, knock anybody driving and so on. Everybody's kind of doing different speeds, some going super slow, some going... Actually, today, I didn't see anybody driving super fast. I will give an attaboy to drivers this morning. I came down about 7.30, and the reality is everybody was clipping along at a speed they, you know, should have been driving at, didn't see anybody driving aggressively or too fast or anything along those lines, even in the HOV lane. There were a couple folks in it, and actually, it was the worst lane to drive in because it had the most snow piled up in it, so... I'm not sure why you're over there. But anyways, long story short, this morning, most everybody was driving very well. There were a few slow drivers. Now, to their credit, this morning, they were in the right lane. Very good. And they were driving very slow, which you could tell they were probably not used to being in our climate. I'm not trying to stereotype people, but you could just tell that these were people that probably weren't used to being in our area. Yeah. But to their credit, we're in the right lane, going very slow, being cautious, and so on. But what I can't stress enough to folk, and if you're new to our area especially, yes, tires matter. And it's not even how much tread is on the tire, which is very important, like I just discussed a moment ago, but the type of tire that you're running really does make a huge difference in how well that vehicle will perform on days like today.
SPEAKER 04 :
I think the type of tire that you're running will have, I mean, it will affect the rubber compound, right, is a little bit different. Yes, absolutely. And the siping and the design of the tread and its ability to clear snow and ice from the tread so that you can stick to the road, to your point, those are all important factors.
SPEAKER 18 :
Got a text message in a moment ago. If you're listening, thank you. Let me know that you hear this, and I won't text back. Three-year-old Telluride, 30,000 miles on it, was thinking of flushing the transmission fluid and the coolant. Dealer recommends it at 60,000. Just wondering your thoughts on doing it at 30,000. If you want to do it, you can. I'm not going to tell you not to. I would say, though, you really don't have to do it at 30. I think 60 might be a little high on both of those. I probably would be looking around the 50K mark. Both of these guys are agreeing. So if you're listening, please let me know. But, yeah, I think you're a little early at 30. Now, with that being said, are you ever going to hurt anything doing it? No. No. Can you over-maintenance something?
SPEAKER 16 :
Not really.
SPEAKER 18 :
Pretty hard.
SPEAKER 01 :
Pretty hard to do anymore.
SPEAKER 18 :
I mean, because even at 30,000, there's a certain amount of wearability and things that have happened inside the transmission and so on that, yeah, you would be okay. Coolant-wise, though, I mean, honestly, no. Coolant at three years and 30,000, no, probably don't need to do anything on that end of things. But, yeah, as far as the rest of it goes... I would be looking at that, and I don't know how many, let's see, if you're doing three-year-old, 30, you're doing 10 a year. You're still a couple of years away from really having to probably worry about anything, 18 months to two years out as far as the amount of miles that you drive, unless that changes dramatically and you start driving a lot more, of course. But, no, I think you're safe at that 50K mark. I'm surprised, actually. Kudos to the dealer. I'm surprised they're even telling you 60. Most don't say anything. Right. Most will tell you it's lifetime. Yeah. Just drive it until it's 100K and plus and don't even worry about it. So kudos to the dealer. At least they're giving you some awareness as to what's going on. So, all right. We've got a lot more to cover. Two more hours left. Myself, Pat Schneidt. Again, Alltech Automotive up in Fort Collins. Steve Horvath, Geno's Auto Service in Littleton. You can find both these guys, by the way, on our website, drive-radio.com. We'll come right back, though. This is Drive Radio, KLZ 560.
SPEAKER 13 :
Still haven't had enough? Go to drive-radio.com, email your questions and comments, download previous programs, and find lots of useful information, including your nearest Colorado Select Auto Care Center. That's drive-radio.com. Thanks for listening to Drive Radio, sponsored by the member shops of Colorado Select Auto Care Centers. On KLZ 560.
Join the discussion on the evolution of car technology and its impact on vehicle longevity. The show explores advancements like fuel injection, overdrive transmissions, and how these innovations have transformed how we maintain our cars. Plus, enjoy engaging listener stories about driving in extreme conditions, the importance of choosing the right tires, and a deep dive into why GM engines are considered a reliable choice for replacements.
SPEAKER 03 :
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SPEAKER 19 :
There's no such thing as a stupid question. This is Drive Radio. All of your automotive questions are just one phone call away. 303-477-5600. Drive Radio is made possible by the member shops of Colorado Select Auto Care Centers. To find one near you, go to drive-radio.com. Now, Drive Radio on KLZ 560.
SPEAKER 17 :
All right, and we are back. Drive Radio, KLZ 560. Appreciate you all joining us today. Had a lot of text messages today. In fact, I answered quite a few during the break, and when I said there was a live listener from Lincoln, I had like three other people from Lincoln, Nebraska text in as well. So you guys have a little happy family in Lincoln. Thank you all for listening and calling in, and we appreciate it very much. Somebody also asked me on an older vehicle, Very, very low miles. Should they change oil? Yes. So rule of thumb on cars that sit, because some of you may have some, classics and so on. And it does change depending upon whether you're in a climate control environment or not. So what I mean by that is, are you able to park it inside? Is it heated? Not to be cooled in the summer, of course, but is it heated in the winter to where you're keeping things at least 50, 55 degrees or so? And the reason I say that is because if you're in a climate-controlled situation, you don't have the big, huge temperature swings. You're not going to build up some of the condensation you would normally build up. In that particular case, if you don't drive it – At all, and I mean literally at all, maybe there's an entire year where it never moves, and those things can happen. I know some of you have vehicles along those lines. I do. Sometimes a vehicle, just for whatever reason, you just don't get around to driving it, and it may just sit all year long. If that's the case, does it need changed annually? I don't think so, no. If it's climate controlled, you've done things correctly, high quality filter, good oil, and so on, which, of course, in these classic cars you're typically going to do, would you need to change it every year? No. Would I change it every other? Yes. Now, I'll put a caveat with that. If it's a carbureted type engine, an older vehicle, and you start it up even a few times a year, and maybe you don't drive it, but you're still firing it up and so on, at that point, because of the way chokes work and cylinder wash and so on, I would probably change it annually. if that's a particular car you're doing. But if it's a car where literally you may have just put it away, put a car cover on it, and it has sat, and you haven't done a thing with it, you put some treatment in the fuel knowing it'll last a couple of years, honestly, pull the stick out, sniff it. Put it on a white paper towel. What do you see coming out of the oil? Does it smell gassy at all? I mean, if everything looks really good and you don't see any abnormalities with it at all, you know what? Would I be okay running that oil in that engine? Sure I would. I would have no issues with that. Now, if you drive it some, even 200, 300 miles a year, and you do that on an annual basis, yeah, just do an annual oil change. Figure out on your calendar what month of the year you'd like to do that and do an annual oil change, and off you go. In that case, you are getting enough things in the oil, contaminants and so on, that you would be okay changing that once a year. Now, I will also say this. Are you going to destroy everything if you change it every other year? No. I'll just be honest. No. Especially some of these newer cars where you're on a full synthetic and the filters that are on it and so on. You put 100 miles on it this year and 100 miles next year and you want to change it every other year. Are you going to damage anything doing so? No. Sorry, you're just not. I mean, you're not doing enough with it at that point, and especially if it's late model fuel injected and so on, they're coming off of the quote-unquote choke end of things to where things are getting cleaned up that quickly. Bottom line, you have very little things going on at that point. If you wanted to run even every other year with it, you could be just fine in doing so. And I have some of these that kind of fit that description. So some of this is the voice of experience talking. If you want to be safe, though, and you just want to get things on a calendar, okay, once a year, decide when you're going to do that, spring, fall, whatever typically would be spring, because you're going to get things out and run them around in the summer months and so on, but that's typically how you'd want to do that.
SPEAKER 08 :
Yep. I like what you're saying, too. It's really not a set it and forget it. There's a little bit of common sense involved, right? So it's like that policy we have in the shop. If you see something, say something. When you pull that stick, if there's something funky going on, don't ignore it. Change it.
SPEAKER 17 :
Yeah. And thank you for saying that, Pat. And I think for a lot of folks listening... Really, that's... Pat just said it all. It really is, in a lot of cases, common sense. And for some of you guys that are a little bit more technical, where you can really understand what's going on inside of the engine especially, you can pull the stick, you understand what some of the smells are and so on. I mean, if you're of that caliber of a quote-unquote do-it-yourselfer and you know some of those things, use your best judgment. You're not going to damage anything in that particular end of things. So... I think Pat just said it all. Use common sense, which, by the way, that goes back to even some of the new car stuff on changing fluids where a dealer or somebody is telling you it's lifetime fluid. Again, folks, common sense. Yes, fluids have come a long way in the last couple of decades. way further than they probably ever had prior to that. And I'm not exaggerating when I say that. I mean, keep in mind, we went all the way back into the days of, you know, non-detergent oil to then using detergents. And we went from single weight to multi-viscosity weight oil and on and on we go. So we made lots of changes. But I will tell you that probably in the last couple of decades, we've had more changes on fluids than we probably ever had in the 50 years prior. And I'm not exaggerating when I say that. The technology advancements, the molecular advancements they've made and how they can control the oil and so on, way different than it ever was.
SPEAKER 05 :
And... As a result, our cars are lasting a lot longer.
SPEAKER 17 :
Correct.
SPEAKER 05 :
And more reliable.
SPEAKER 17 :
Yeah, and the things that make cars more reliable, A, to Steve's point, oil. Overdrive transmissions to where the engines aren't running the RPM they used to. That's a big one. Fuel injection, where you've got a precise fuel mixture where you don't have the cylinder wash you once had. And by the way, one of the ways to prove that in that these two things, literally, the oil as well, as Steve said, but really two things. You look at overdrive transmissions and fuel injection. For example, take a... 86 Chevy pickup with a 350 and see what its longevity is versus just a year later, an 87, which they didn't make a lot of changes to the engine, by the way. They were pretty much the same engine. There was a few little things that got changed, but for the most part, same engine. Only difference is throttle body injection and an overdrive transmission. And look at how much longer that 87 would run versus the 86 with the carburetor.
SPEAKER 08 :
Hey, John, this progressive disclosure has got to stop. You can't tell me now my first truck was the 86. Okay.
SPEAKER 17 :
And if you'd have waited one more year, you'd have had fuel injection and, honestly, totally different truck when it was all said and done. I'm not exaggerating.
SPEAKER 15 :
That's just one –
SPEAKER 17 :
example of where you can prove some of these, well, they're major advancements. Overdrive transmissions back in the day were huge. We went through a lot of issues to get those things developed out and working correctly, and they do. And then fuel injection, of course, was the second one. But then to Steve's point, just the modernization of even the oil itself and where we're at with that has changed immensely also. Gary in Wheat Ridge, go ahead.
SPEAKER 09 :
Hi, John. Thanks for taking my call. What I was calling about is I have a 2001 Chevy Silverado, and it's got quite a bit of miles, over 200,000, 210, I think. And at some point, I decide I either want to put another replacement engine, maybe a crate motor, or is it better to rebuild the original motor?
SPEAKER 17 :
There are some places that will take your engine and redo it, although what I would tell you on a Chevy, if it were me personally, I would buy a GM replacement motor right from the dealer. This is one of the few situations where I would buy the dealer part for it, but I would buy their crate replacement engine, and I would put that back in it and go that route.
SPEAKER 09 :
Yep. Okay. That's where I was kind of leaning that way, but good to know.
SPEAKER 17 :
And they say that because GM for years, not ditzing other manufacturers, but GM over even a lot of the other manufacturers has had and still has a really great engine replacement program that literally they were doing all the way back in the 70s and 80s, Gary Beckman. at that time, even better than anybody else was. In fact, to the point where a lot of guys even building hot rods and things like that would buy a quote-unquote good wrench engine and go stick that in their hot rod and run that thing for hundreds of thousands of miles, and off they went. So GM's had a great replacement engine program for years. Yes, you can buy things from Blueprint Engines and Summit and JEGS and all kinds of other places out there that sell engines, but for just a regular stock engine to replace what you're doing right now, do it okay thanks a lot for the information you're very welcome gary appreciate that and i know i may take some flack for that one because there's guys out there that would you know you could up horsepower you could do this you could do that and yeah you can just keep in mind for a lot of you listening where uh depending upon the vehicle in this case it's an 01 so it's programmed keep in mind the 01 is already programmed to run with that engine So all of the mapping, everything that's inside of the software for that vehicle is for that engine. Yes, I know, you can take the ECU out, have it reprogrammed, put a larger cubic inch engine in, different cam, all this kind of stuff. Yes, you can do all of that. And I used to always tell all my customers this, for every pro, there's a con. So for everything you do along those lines, you are now taking a risk on is the programming going to be exact? Keep in mind, we need different programming at altitude than what people do at sea level, and that was always a hard thing to get done at our altitude. So you've got that to worry about. Are the components inside of it going to last as long as the engine I just pulled? There's all sorts of other variables that come into play because, keep in mind, more horsepower, less longevity. Always the way it is. It's why, for example, people always wonder, you know, why do Toyotas run so long? Well, no offense, they're not the most powerful thing on the planet. Solid. And they're solid, but they never made high horsepower. Anytime you up horsepower, you're typically going to reduce some longevity. Now, the new engines, we're getting more longevity because we're able to get more horsepower by running higher compression, which we used to do way back in the day. And we can run higher compression because of the variable valve timing and literally changing the profile of the camshaft based upon engine needs at any given time. While you drive, yes. While you're driving. So, so many things now that are coming into play that we couldn't do a couple of decades ago. So, yeah, in today's world, we are getting power and longevity. But in that era, you sacrificed one for the other. And fuel economy. And fuel economy.
SPEAKER 08 :
Thank you for that as well, Steve. That's right. Lines are open. We'll come right back. 303-477-5600. Drive Radio, KLZ 560.
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SPEAKER 17 :
All right, we are back. Drive Radio, KLZ 560. Thanks for joining us today. Bob and Thornton, go ahead, Bob.
SPEAKER 10 :
Hi, John. Hey, I had a nice little chit-chat with your screener. Who's your screener today?
SPEAKER 17 :
Charlie today.
SPEAKER 10 :
Yeah, I told him I was originally from Buffalo, New York, and he's got a little bit of history there. He had a relative there and stuff. We had a little talk about that.
SPEAKER 17 :
Yeah, you guys from Buffalo know Snow.
SPEAKER 10 :
Oh, yeah, I don't know where. And what's his name? Charlie.
SPEAKER 17 :
Charlie.
SPEAKER 10 :
Charlie, I don't know where he's originally from, but he used to go there and visit some uncle or something all the time. Anyway, I got a story about incorrect car and incorrect tires. Sure, go ahead. I'm going to preface this by saying my dad spent his entire career working for Dunlop Tire.
SPEAKER 17 :
So he knew a little bit about tires, yeah, absolutely.
SPEAKER 10 :
And I thought I was a big man on campus. I was 17 going on 18, and I scrounged up enough money to buy a 1963 Chevy SS convertible, 409 four-speed with 411 rear end. You can imagine how poor that was in the snow. So I asked my dad, I said, what kind of tires can I put on this to get me through the Buffalo winter? And he said, none. He said, this is what you do. Go and find yourself a rust bucket beater that runs and buy that for the winter and put some decent tires on it, starting with studded snows on the rear and, you know, something decent on the front. And I did that, and I think I paid $150 for a 61 Plymouth that was not much to look at. And I bought a good set of tires, and I think the tires were more money than what I paid for the car. And I drove that through that winter, and then I didn't make it to the next winter because Lyndon Johnson thought I would be a good soldier.
SPEAKER 07 :
And away you went.
SPEAKER 10 :
My dad, that was the first thing he did. He got rid of that Supersport Chevy with a 411 rear end. Not only the gears in the rear end, but, I mean, there was so much power in that car. You could not keep that thing on the road.
SPEAKER 17 :
Too bad you don't have that car now, Bob. Oh, my gosh.
SPEAKER 10 :
Fun. Well, yeah, well.
SPEAKER 17 :
The 409s are, as you know, bringing pretty good money today. Right.
SPEAKER 10 :
Yeah, well, that was probably my last nickel that I bought that car from. Your first caller, though, reminded me of something. Yeah. What was his name? He was talking about the— Bill.
SPEAKER 17 :
Our very first caller was Bill from Lakewood.
SPEAKER 10 :
Second caller. He was talking about that Tesla pickup.
SPEAKER 17 :
Oh, Jerry.
SPEAKER 10 :
Yeah, so it reminded me of a car that Pontiac used to make. It was called an Aztec.
SPEAKER 07 :
Oh, yeah.
SPEAKER 10 :
And apparently it wasn't too bad of a car as long as when you got out of it and walked away, you didn't turn around and look at it.
SPEAKER 17 :
That's right. So, Bob, I think Aztec means plastic cladding. I think that's the Indian name for plastic cladding. Am I wrong in that?
SPEAKER 10 :
I don't know.
SPEAKER 17 :
Because that car had more plastic cladding than anything you've ever seen on the road. Maybe a Honda Element's about the only thing else close to it.
SPEAKER 10 :
Yeah, well, they used to call those an elephant back in the day, but they're pretty good. You know, I'll tell you a Pontiac that I had that was really, really pound-for-pound, dollar-for-dollar, best car I've probably ever bought, and it was... It was batched as a Pontiac, but it was actually a Toyota. And it was a Vibe, but not a regular Vibe. It was a GT, and the GT Pontiac had a Camry engine and a five-speed manual. That was a fat car.
SPEAKER 08 :
I can imagine, yeah. Pontiac batch and Toyota reliability and just fun.
SPEAKER 10 :
Yeah, they built those in Fremont, California, side-by-side with the...
SPEAKER 17 :
The Toyota's version of that was called... Did they do that back in the day to avoid some tariffs or something, or why did they do that, Bob?
SPEAKER 10 :
I don't know, but you know Toyota manufactures side-by-side with Mazda down in Huntsville, Alabama?
SPEAKER 17 :
Correct.
SPEAKER 10 :
For model cars?
SPEAKER 17 :
Mm-hmm.
SPEAKER 10 :
So I think they're getting into that kind of thing, but... I don't know. You know, most of those Tesla pickups that I see on the road.
SPEAKER 17 :
Yeah, Cybertrucks.
SPEAKER 10 :
More than half of them are clad with wrap.
SPEAKER 17 :
Yeah, they're wrapped. Yeah, you're right. A lot more. Which, actually, Elon says not to do because the way the stainless and everything is is he doesn't want that covered up, so they don't recommend that.
SPEAKER 10 :
Yeah.
SPEAKER 17 :
He should have made a better-looking truck. Oh, man, things ugly as all get out.
SPEAKER 10 :
Oh, yeah, they're not very appealing.
SPEAKER 17 :
They are not eye-appealing at all.
SPEAKER 10 :
And all the other Tesla models need an upgrade. I mean, they've been the same for a long time.
SPEAKER 17 :
Yep, you're right on that, Bob. I say that all the time. You can look at one that's 10 years old versus a new one, and there's not a lot of difference.
SPEAKER 10 :
It's kind of like Mercedes. Remember Mercedes made the same style car for 10 years?
SPEAKER 17 :
For a long time, yep. They kind of still do that, Bob. Mercedes is kind of even today known for that. They'll run a car until it's pretty long in the tooth. Yeah. I mean, no offense, look at the G-Wagon. They did a little bit of an update on that a couple of years ago, but ultimately, a G-Wagon's a G-Wagon, a G-Wagon. It hasn't changed much.
SPEAKER 1 :
Yeah.
SPEAKER 17 :
Now, they sell them, so more power to them. No, Bob, thanks.
SPEAKER 15 :
Appreciate that.
SPEAKER 17 :
Great stories. I appreciate that very much. Jeff in Montana, go ahead.
SPEAKER 15 :
Hey, good afternoon. Yeah, you guys talking about the S-TEC. Reminded me of a meme I saw yesterday. Recently it said, let me explain, Jimmy, and has a picture of an Aztec and a picture of a DeLorean, and then down below is a picture of the Cybertruck. It says, when a Pontiac Aztec and a DeLorean love each other very much.
SPEAKER 17 :
That's pretty good, actually. That's pretty good.
SPEAKER 15 :
Yep.
SPEAKER 17 :
And I just have to say, I really appreciate Soren coming on and doing... Yeah, because honestly, Jeff, that's what... You guys all know, I test drive and look at and I'm around a lot of different vehicles. Tesla not being one of those. They've got a whole different way of marketing and so on, and I just don't have a lot of experience with a Tesla, period. So that was great. I was very happy to hear that.
SPEAKER 15 :
Yeah, and not only that, but the way that young man has come along, I think the first time I heard him, he was 10 or 11 years old, and And he's really grown and matured a lot. That's one of the benefits of your show is to see people, you know, see life happen to people as we go along with this. So I just want to tell you I appreciate that.
SPEAKER 17 :
Well, I appreciate you and Soren as well. And he's a great young man and I appreciate him and his family greatly. And as you know, as you can tell, he's raised right.
SPEAKER 15 :
yeah yeah uh good job mom and dad yes good job yeah an eastern montana kid he has all the right values yeah that's exactly right yeah uh and uh one of the things you were talking about tires and cars and snow and absolutely dreads and stuff and and one of the things that i never really thought about until i came across it's one of those things where you have kind of a little mini aha moment is when you stop to think of it is the contact part of the tire on the ground is only typically about four inches by six inches. Yep, that's right. So if you think you have a multi-thousand pound vehicle, some approaching two to three tons.
SPEAKER 17 :
Right.
SPEAKER 15 :
heading down the road, and the only thing you have to control it with are those four little patches of rubber.
SPEAKER 17 :
That's a really good way of putting it in perspective. And why I always say, Jeff, having good tires makes the difference in the world on how that car operates.
SPEAKER 15 :
It's absolutely essential because... In rain, it has to squeeze all that water out of the way, and it never does all of it. So even that 4-by-6-inch patch is going to be diminished.
SPEAKER 17 :
Actually, yeah, and there's a misconception on that as well. Most people think that it does squeeze out all of it, and it does squeeze some out. It used to be the old ad for that, but really... The way a tire works in rain, if it's doing it properly, is it holds the water, throws it off behind you, and it's actually catching the water, still giving that imprint, throwing it off behind you, and then having a clean tire as it goes back around. And honestly, Jeff, that's what makes a really good wet tire. For example, you look at some of the Formula 1 cars and stuff that run in the rain, and look at the stream of water that's dumping out of the back of the tire as it's running around. It is not pushing that water. that rain out from the sides, it's literally throwing it behind them.
SPEAKER 05 :
Yes. I never thought about that.
SPEAKER 17 :
It's a very good explanation. You need a tire that will pick that rain up and throw it behind you.
SPEAKER 15 :
Yep, and also, the same thing as with snow. Yeah, same situation. Yep, yep. Even though it's more of a solid, it's acting as a fluid because it's kind of turning particles and stuff.
SPEAKER 17 :
To your point, Jeff, I can be slower speeds. You can't do this going down the highway, of course. But I can usually be next to folks, and you're driving down the parkway or whatever, and it's 35, 40 miles an hour. I can tell you how much rubber is on a tire that's next to me just by what you explained on what's it doing to the snow underneath the tire. If it's throwing a bunch of snow behind it, that guy's got really good tires. If it's not doing much at all, and there's not much snow coming off behind it, they're bald.
SPEAKER 15 :
Yep. Being a science guy, I like that kind of thing anyway, but Just when you realize my whole life is dependent upon maybe 100 square inches.
SPEAKER 17 :
Good point.
SPEAKER 15 :
10 by 10 patch of four tires hitting the road.
SPEAKER 17 :
Yep.
SPEAKER 15 :
I think I need to make sure those are as good a shape as possible.
SPEAKER 17 :
Yeah, why skimp on that? Yep. Great point. Great point, Jeff. In fact, a tire manufacturer should make an ad out of that because literally that's how you should look at it.
SPEAKER 08 :
It all comes down to that little territory.
SPEAKER 17 :
Yep, that's right.
SPEAKER 15 :
Yep, that little tire patch, that's a contact footprint. Good point. Yep. So anyway, that was my idle thought of the day. You're awesome.
SPEAKER 17 :
Thank you, Jeff. As always, appreciate you. Always good stuff. Buck and Cheyenne, hang tight. We'll take a break. We'll come back, give you plenty of time. Drive Radio, KLZ 560.
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SPEAKER 04 :
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SPEAKER 17 :
All right, we are back. Drive Radio, KLZ 560. Patch Knight joining us from Alltech Automotive up in Fort Collins. Visit his shops if you're up in that area. You can find that at drive-radio.com. Steve Horvath as well from Geno's Auto Service. Same thing. You can find Steve also at drive-radio.com. Question came in via text line, so guys on the phone, hang tight. Listing in Utah, 2018 BMW X3. Just got an emissions test, and it said I have a cylinder misfire. What do you recommend checking next? 100,000 miles, all normal, regular maintenance done at a BMW shop in Utah would like our opinion before proceeding. So it's got a cylinder misfire, and that came out of the emissions test test. So that's about all we know at this point. Thoughts, guys?
SPEAKER 08 :
First thing I would say is, does it have any codes? Is the check engine light on, or did the emissions test find it early? Okay. Good point. In other words, it's about to come on, but it's not yet. If it's not on yet. So typically, a test inspection diagnostic routine at a shop like ours, we should be able to identify the cylinder. Yep. Yep. Specifically. And that would be the first thing, identify the specific cylinder, and then potentially, you know, start to look at that spark plug. Maybe it's a coil-on plug. So ignition coil are typical. What do you think, Steve?
SPEAKER 06 :
What BMW was it again? X3. X3.
SPEAKER 1 :
2018. 2018.
SPEAKER 17 :
Yeah. I'm on that. I think you're on that. Yeah. I mean, you've got to know, first of all, why is it misfiring? Is it fuel? Is it ignition? Right. And some of the things, Pat, that you're talking about would put you down that path in determining what's happening. Just because the emissions test is saying there's a misfire, we want to know why. Right.
SPEAKER 08 :
Yeah, you could be even on the induction side, maybe need the GDI cleaning, gasoline direct injection cleaning, right? Good point. Yeah, great point. So there are a few things to check, and I think the one thing that you don't want to do is ignore it.
SPEAKER 17 :
Yep, absolutely. No, yeah, these are problems that, well, in this case, since the light's not on, it will be at some point.
SPEAKER 06 :
It will be.
SPEAKER 17 :
You keep driving, it will be on.
SPEAKER 06 :
So does the Utah inspection, do they actually hook it up to OBD-II when they're doing the test, or do we know? I don't know.
SPEAKER 17 :
Well, they must or they wouldn't have known that. Right?
SPEAKER 06 :
That's true. They've got to be getting into the monitor or they wouldn't know it's about to come on.
SPEAKER 05 :
Okay.
SPEAKER 17 :
Right. So they must. I don't know.
SPEAKER 08 :
I don't know Utah, so that one I don't know the answer to. I believe they do, and the reason I say that is, okay, Rocky Mountains, we're on the east side, they're on the west side, so their air quality is arguably similar to maybe a little bit less than ours, and so I believe they are pretty heavily controlled, so I'm almost positive they've got OBD control. Okay.
SPEAKER 17 :
All right. Buck and Cheyenne, you're next. Go ahead.
SPEAKER 11 :
Good morning. Good morning, Buck. I know you've been to Barrett-Jackson, and that's on one of my bucket lists.
SPEAKER 17 :
Yep.
SPEAKER 11 :
And I'm going next week. I've got three days programmed, Thursday, Friday, and Saturday. Are there things that I shouldn't miss?
SPEAKER 17 :
By the way, I was just telling these guys because I saw the description come up, Buck. And if you're a car guy, it is one of those to-dos. Put it on your bucket list. You need to go. My feeling, Buck, is get into town Wednesday. Go to the auction Thursday, Friday, Saturday. You don't want to miss Friday night, Saturday night. Those are the two bigger nights. I will tell you that. There's usually some pretty good buys, and if you're a buyer, Thursday evening, actually all day Thursday into the evening, Friday morning, Saturday morning, typically good times to buy because most people have stayed out too late the night before, literally. They're drinking and doing other things, and they're not at the auction until about 10, 30 to 11. So the reality is none of the high bidding happens on even Friday and Saturday until about noon.
SPEAKER 11 :
No, I'm not a bidder. I've got enough cards already.
SPEAKER 17 :
And, Buck, you'll just enjoy the environment, the atmosphere. Now, I will say this as well, and since it's a bucket list item, and you guys can take this for what it is, if you have the ability to buy a VIP package and have the upfront seating and be a little more involved in what's going on and you can afford to do so, it's well worth the money. Do it.
SPEAKER 11 :
Okay, we just, as of now, just have day passes.
SPEAKER 17 :
If you can upgrade somehow, even for one day, and get a VIP ticket, Buck, believe me, it is well worth doing. You get an opportunity to see some things and be up close that just the average person going with a day pass doesn't get.
SPEAKER 11 :
I think those VIP packages are great. What, $300, $400, $500, $600 a piece?
SPEAKER 17 :
They're very expensive. I was fortunate enough to be able to be involved in one of those with a friend that I had the very first year I went that got me a VIP, my wife and I, a VIP ticket, and we were able to one day enjoy that. And I will tell you, after having it for one day, it was well worth the experience.
SPEAKER 11 :
Okay, thank you.
SPEAKER 17 :
I appreciate that. You're very welcome. And for everybody listening, it is definitely worth going to, Buck.
SPEAKER 11 :
Okay, the other thing. I haven't forgot Kelpat. I haven't forgot. I'm going to get my EcoBoost down to Fort Collins. I'm going to get there eventually.
SPEAKER 17 :
Okay. Awesome. Sounds great. Hey, really quick, too, Buck, one other thing on Barrett-Jackson as far as parking goes. You can rent a car, drive and park and so on, but what I will tell you is by the time you actually pay for parking versus just using the valet that's in front, do the valet in front. It's not that much more money, and you wait in less lines, and you don't have to walk as far.
SPEAKER 11 :
Well, unfortunately, John, both my wife and I are mobility impaired and we have two scooters.
SPEAKER 17 :
Oh, you'll be fine then. You'll have up front parking anyways. You'll be good.
SPEAKER 11 :
So that's what we... You'll be great. We're driving down. We figured two days down. Oh, you'll be fine then. And then we're open after that.
SPEAKER 17 :
Awesome.
SPEAKER 11 :
We've got a Suburban with the scooter straight in the back. Awesome. I can't walk very far, but I can still lift pretty good.
SPEAKER 17 :
You'll have a blast, Buck. It'll be a joy. And you have to report back to me how well you – I'm not going this year. I normally do, but my schedule, this, with everything I had to go through last year with my folks and stuff, I just can't do it this year. But I wish I were. I'll go next year. But have fun, Buck. Enjoy.
SPEAKER 11 :
Okay. Well, thank you for the insight. You're very welcome, Buck.
SPEAKER 17 :
I'll let you go. Well, thank you. Very welcome on that. I appreciate that very much. Kyle, you're up. Go ahead. What's going on in Dallas, by the way?
SPEAKER 16 :
Well, we've got winter. Winter's come back, so it's covering plants and dripping faucets. So we're supposed to get cold here in the next few days.
SPEAKER 17 :
Okay.
SPEAKER 16 :
So, hey, I kind of caught a little bit what you were saying about... factory-fill break-in oil. So does that oil have additive packages that help break in the engine, you know, seat the rings, and does that have better additives?
SPEAKER 17 :
I wish I could tell you exactly what the factory does on their factory fill, and if I could ever get an interview with an engineer, I could probably explain that a little better. I'm guessing, Kyle, that that yes, all of that is true, and I'm guessing it also varies a little bit from manufacturer to manufacturer, maybe even engine to engine, depending upon what they're trying to accomplish and what's going in the vehicle.
SPEAKER 16 :
Okay. Well, I've just heard both sides of the coin. I've read where some guys recommend change that oil out after 1,000 miles because it'll have particulates and filings in there, and you want to drain that.
SPEAKER 17 :
If you have that on a new engine, we've got other problems. So, no, there's not going to be any of that. In fact, what I... Where a lot of this, Kyle, I'm getting from is read the owner's manual on any new vehicle, and it will tell you, number one, they don't want constant RPM. They want the engine RPM varying for at least the first 500 miles and, and, and. And there's all sorts of things they tell you in the owner's manual. And so if you base kind of what I'm saying off of that, then that's why I come up with the reasoning that I come up with. Most of it's coming from the owner's manual.
SPEAKER 16 :
Yeah, okay.
SPEAKER 08 :
I think it does vary by manufacturer, for sure.
SPEAKER 17 :
The majority, though, Kyle, will tell you, no highway constant driving for at least 500 miles.
SPEAKER 16 :
Yeah, that's what I understand. They want a lot of stop and go. They want some variable RPMs.
SPEAKER 17 :
That's right. They want some variation in the engine. Yep.
SPEAKER 16 :
Yeah. Yeah. Well, the other issue I wanted to tell you about is kind of a hot button issue with you that you and I have talked about in the past is, you know, people who pull off to the side of the highway to change a tire. We've had two incidences here in the area in the last month where – One of them was a police officer who pulled over to render aid, and a driver hit the car and killed him. And then just after that, just the last couple of weeks, we had a similar incident where on a rural stretch of one of the interstates leading out of Dallas, someone had pulled off to the side of the road to uh do do some type of repair and a drunk driver hit them and it killed all four of them and two of them were brothers that were 15 and 18 years old that's so sad so sad it really is and you know it just seems like you know dallas has a whole lot more highways and we have a whole lot more uh area to cover down here but it just seems like Two, three times a year, if not more, that is always a report on the news here.
SPEAKER 17 :
All avoidable, by the way. You reminded me of something I saw on my way down today. There was a couple of people. It looks like they were going to the airport because they had their luggage out. They were over on the side of the road on I-70 at about Dahlia or so, and they were changing the tire on the Subaru. And here's the bad part, Kyle, and I'm not exaggerating. They weren't 100 yards from the exit up onto Dahlia, and I could already look at the tire and tell you that it's going to get changed either way. Why not just drive up to Dahlia, get off the highway, and change it there?
SPEAKER 08 :
Yep, 100%. Drive on the rim.
SPEAKER 17 :
Instead, we've got our luggage and everything all spread out all over the side of I-70 in a snowstorm, by the way. I mean, Kyle, I can't think of anything more dumb to do.
SPEAKER 16 :
Well, I know in the past, your standpoint is, hey, if you shred a tire or you flatten a wheel, that's what you've got to do. It's not worth your life.
SPEAKER 17 :
I'd rather be alive with a bad wheel and tire than dead with a good one. Every day. Yeah.
SPEAKER 16 :
Well, that kind of ties into what you've been talking about, about tires today. I think that there are things that happen on the highway that you do have to pull over. You have a blowout or you run across something. I get all that. But I also think that just doing a simple once-over on your car every once in a while, just replace that belt that needs to be replaced, replace the hose. Make sure your tires, I mean, how many people pull off by the side of the road to do a repair to do something that could have been done in a shop?
SPEAKER 17 :
Probably 90%, Kyle. I'm sorry, I'm not exaggerating, I don't think. Probably 90%.
SPEAKER 16 :
Yeah. Literally. Most of it unavoidable. Most of it avoidable is what I'm trying to say. You know, it's like the ripple effect. You're actually, at some point, you may risk somebody else's life.
SPEAKER 17 :
Right. Right. Yeah, in the case of what you're talking about, a police officer.
SPEAKER 16 :
Yeah. Shame. Or a family of four.
SPEAKER 17 :
Shame. Shouldn't happen.
SPEAKER 16 :
Yeah, really is.
SPEAKER 17 :
Kyle, appreciate you very much. Hope the weather in Dallas warms up a little bit. Chris and Aaron, you guys hang tight. We'll come right back to you, get our last segment in. This is Drive Radio, KLZ 560.
SPEAKER 24 :
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SPEAKER 22 :
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SPEAKER 17 :
All right, and we are back, Drive Radio, KLZ 560. Again, Patch Knight joining us today, and he is from Alltech Automotive up in Fort Collins. Steve Horvath from Geno's as well. Aaron, you are next. Go ahead, sir.
SPEAKER 12 :
Hi. Hey, Aaron. Yeah, oh, hey. Yeah. When on the 25 Rams, the HDs, when are those going to be out for press?
SPEAKER 17 :
I don't think, from what we've been reading and what I've seen, they're talking potentially this spring, but I'm not going to hold my breath until summer at the earliest, Aaron.
SPEAKER 12 :
Yeah, okay. So on... So they've got the new ZF 8-speed.
SPEAKER 04 :
Right.
SPEAKER 12 :
And correct me if I'm wrong, but the co-developed GM and Ford 10-speed is based off their original BMW ZF 6-speed design.
SPEAKER 17 :
Is that right? Well, the 10-speeds in the half-tons or the 10-speeds in the HDs? Which one are you talking about? The HDs. The HDs was an Allison-approved joint venture between Ford and GM. So it wasn't really based on anything other than maybe the old Allison, and I'm not sure how much of that even got transferred over because it's not an Allison, as you know.
SPEAKER 12 :
Right, yeah.
SPEAKER 17 :
Yep.
SPEAKER 12 :
Because it seemed like the F-150 10-speeds, they're starting to have issues with those now.
SPEAKER 17 :
And so are some of the Chevys. And those were, again, a joint venture between the two, differences between the two in how they're made and programmed and so on. So they're not exactly the same transmission. They were developed differently. you know, together, but they're not the same. And the same is true with the 10-speed and the HDs. You know, Ford's is a little different than GM's, still developed, you know, jointly. And, you know, what are all the idiosyncrasies? There's a ton of videos out there that, you know, most of you can go out on YouTube and watch. It'll show the difference between, for example, on the 10-speed Allison-branded transmission. You can look at the differences and see what they are. Oh, okay. Yeah. I'm interested to see how the new Ram works. I am never a first-year, you know, buy it out of the, you know, first year out, you know, buy that truck. So I think for me, Aaron, if I was going to buy one, I'd wait for 2026. Yeah.
SPEAKER 12 :
Yeah, I'm up for a new work truck this spring, and I'm debating a Chevy or a Or the Dodge, because you can get the 24s pretty cheap. They're cheap. They have tons of inventory.
SPEAKER 17 :
You can buy a Ram cheaper than anything because of how many they've got. Literally, they are taking baths in those things. There are so many of them out there, as you know.
SPEAKER 05 :
They're not warranting things right for you.
SPEAKER 17 :
That's the other issue they're having that we've had is because the company itself is in such financial issue. I think they're pushing a lot of warranties off wherever they can. Yep. That's the downside. Right. But they're cheap.
SPEAKER 12 :
Okay. Yep.
SPEAKER 17 :
Okay. All right, Aaron. Good questions, by the way. Thanks for that. I appreciate that very much. Chris, I think you'll probably be our last call. Go ahead, sir.
SPEAKER 14 :
Yes, I'm just doing a follow-up on the tight vibration in my transmission on my truck. Sure. Yeah, I got it over to Ken's a week or so ago.
SPEAKER 17 :
Okay.
SPEAKER 14 :
Lifted it up, lifted it up off the ground, and got it up to 72, 3, 5 miles an hour. And the differential is certainly vibrating.
SPEAKER 17 :
Okay.
SPEAKER 14 :
Interesting. So we're getting close, and Steve's going to look at it on Monday.
SPEAKER 17 :
Okay. Perfect. Perfect.
SPEAKER 14 :
Yep.
SPEAKER 17 :
Okay.
SPEAKER 14 :
So I assume, Steve, you still want it on the snowy day? Oh, yeah. Yeah.
SPEAKER 17 :
No.
SPEAKER 14 :
Oh, absolutely. Okay.
SPEAKER 17 :
It's warming the show.
SPEAKER 14 :
Yeah, so I'm getting close to figure out what's going on with it. Cool.
SPEAKER 17 :
That's good. Yeah, you're making headway. Good for you.
SPEAKER 14 :
Yep. Yep. And I always run Blizzac tires in the wintertime.
SPEAKER 17 :
You know what? I'm glad you said that. That was one of those things I was going to throw out at some point. And I had somebody ask me this earlier, you know, do I recommend running another separate set of wheels and tires? If you can afford it, absolutely, because it makes things so much easier. You can just switch tires out accordingly. The Blizzacs, as you know, Chris, don't want to run those in the summer at all because they wear super fast. But one of the best winter tires, in my opinion, you can buy.
SPEAKER 14 :
Oh, yeah. No, they're very sticky. And I run XLTs in the summer, and I just go to discount, and they just change them out.
SPEAKER 17 :
Nice.
SPEAKER 14 :
Fairly inexpensive.
SPEAKER 17 :
Nice. Good for you. Yeah, and again, somebody asked, what would I do? I mean, A, your risk of... If it's a daily driver and it doesn't matter, and you don't care if the wheel gets damaged or whatever, fine, switch them out whenever you want to. If it's something that you pay more attention to and have a nicer vehicle and so on, then... Yeah, I would get another set of wheels and rims, you know, set of wheels, I should say, for those tires and just switch them out that way. But, you know, teach his own.
SPEAKER 14 :
They do make a big difference.
SPEAKER 17 :
They do. Absolutely, Chris. Absolutely. Yep.
SPEAKER 14 :
Well, I'm anxious to hear how things go. Yep, I'll see you Monday morning, Steve.
SPEAKER 17 :
All right, Chris, appreciate you very much. And we've talked to Chris numerous times. And for those of you listening, that's where finding certain problems, I can't stress this enough, finding certain problems, you have to be patient on both sides. Shop has to be patient. technician as well sometimes that can get frustrating for a tech but you know customer has to be as well because there are certain things that just aren't cut and dried it's not an out of the you know box ordinary sort of a thing where you know you can just pinpoint it in a way you go vibrations especially i remember back you know when i had my shops we specialized because we did a lot of off-road four-wheel drive work we did a lot of you know vibration type work that frankly other shops would get frustrated over they would just sort of you know sort of throw their hands up and nobody else wanted to work on it and we would whether that was right or wrong or we we did don't don't maybe we shouldn't have but we did just because it's the nature of the of the deal but it is a progression and you have to try things and then see how it works afterwards and it's just again it's just not cut and dried
SPEAKER 08 :
I love that, and the one thing I would add to that is if you have any information, no matter how small the detail, please offer it at the counter. Keep a journal. Yeah, keep a journal. Don't try to make us find it. Don't say it'll be cheaper if you don't tell us. We want to know everything that you know because it's going to build from there.
SPEAKER 17 :
We used to give our customers back then on those sorts of things a sheet so they would purposely journal. some of the things that were going on. I mean, everything from when's it happening, what's the temperature outside, what's the speed, what gear are you in, blah, blah, blah. I mean, all these different things where you're trying to figure out all these different idiosyncrasies as to what's happening so you could then help pinpoint the problem and literally make them journal for you so you could figure some of these things out. But, Pat, Alltech Automotive, thank you, man, as always. Thanks for driving down.
SPEAKER 08 :
You bet. Thanks for having us today. I had a lot of fun.
SPEAKER 17 :
Steve Horvath from Geno's as well. Steve, thanks as always. Thanks for coming on Fix-It Radio as well. Appreciate you very much. And for those of you listening, any of our shops, any of our sponsors, please let them know you listen to us. Find them all at drive-radio.com. Charlie, thank you. And, Larry, if you're listening, we missed you today, but we'll see you next week. Guys, have a great rest of your weekend. This is Drive Radio, KLZ 560.
SPEAKER 19 :
Still haven't had enough? Go to drive-radio.com, email your questions and comments, download previous programs, and find lots of useful information, including your nearest Colorado Select Auto Care Center. That's drive-radio.com. Thanks for listening to Drive Radio, sponsored by the member shops of Colorado Select Auto Care Centers. On KLZ 560.
Whether you're considering selling your cherished classic or are on the lookout for your dream car, this episode guides you through the complexities of buying and selling with confidence. We cover how Worldwide Vintage Auto provides a seamless transaction experience, ensuring prospective buyers are verified and cars are meticulously evaluated. Learn about the benefits of signing up for their exclusive VIP list, which offers early access to newly listed vehicles and insider tips on securing competitive financing options.
SPEAKER 21 :
Being an expert on general automotive knowledge, what would the correct ignition timing be on a 1955 Bel Air Chevrolet with a 327 cubic inch engine and a four barrel carburetor?
SPEAKER 18 :
It is a trick question.
SPEAKER 21 :
Watch this.
SPEAKER 18 :
A Chevy didn't make a 327 in 55. The 327 didn't come out till 62. And it wasn't offered in the Bel Air with a four-barrel carb till 64. However, in 1964, the correct ignition timing would be four degrees before top dead center.
SPEAKER 14 :
Get ready for another hour of Drive Radio, brought to you by Colorado Select Auto Care Centers. Got a question for the experts? Then give them a call, 303-477-5600. Now it's time to pop the hood and get our hands dirty. Drive Radio on KLZ 560, The Source.
SPEAKER 12 :
All right, we are back. Hour 2, Drive Radio, KLZ 560. Thanks for joining us, by the way. We appreciate it. Pat Schneidt joining us. Alltech Automotive up in Fort Collins. Steve Horvath from Geno's Auto Service as well. Jim joining us from Worldwide Vintage Auto. Jim, welcome. How are you, sir? Hey, good. How about you? Doing very well. Appreciate you joining us. And I was over at you guys' place a couple of times here in the last week or so. And as always, you guys have a great lineup of cars and there's things in the showroom and so on. But do you have anything you'd like to highlight?
SPEAKER 08 :
Oh, you know, highlighting. I mean, we're just, I called in and talked about the consignment program a little. It's been a really busy week in the classic car business with Anik and Kissamy going on and Barrett Jackson kicks off next week. A lot of people don't think about January as being probably one of the busiest classic car months in the country. We had a great sales week and just kind of going along. We've got some nice cars down there. But, yeah, go ahead.
SPEAKER 12 :
So talk to us about how, and I know because I've got some cars with you guys right now that we're working on, cars from my dad and so on. But talk to us about how all of that works. And I don't want to explain it. I want it to come from you guys, from the horse's mouth. But if somebody out there is listening to where, let's talk about the sell side to begin with. So let's say they've got a car they'd like to sell. How does that work, Jim?
SPEAKER 08 :
Oh, you can just give us a call or email in at worldwidevintage.com. But how that works, we will check out your car, and we'll talk to you about it and kind of figure out your goals and your plan with it. And then we do a full market research on the car and kind of try to set some pricing that's sensible and that's going to get that car sold for you. And then from there, you would just bring it in to us. We'd take a look at it. If you're out of state or far away, we can do this online. So we would just ask for a lot of pictures and details. And then we'd get your car in there. It goes through a full service inspection, really just a safety check. We want to make sure it's fully operational for the next person in line. And then we list it, and our goal is to sell your car within 60 days. Gotcha. As far as cost goes, there's no upfront fees on it. It's all settled out once the car is sold. Yep.
SPEAKER 12 :
And, again, I can attest to that, and you guys make it very, you know, streamlined. I know it wasn't just because of me it's streamlined, whether it's me or somebody else listening. And what I mean by that, everybody listening, even if you've got a situation where maybe you've got a car that you've had for a while or you just inherited the car and, Maybe it's not licensed and all of that. Jim, you guys have ways of even picking that car up on a rollback and getting it down to your place, making it really seamless for the owner of, right?
SPEAKER 08 :
Yes. Yeah, we have a full transportation service, full staff that takes care of that. We ship cars literally all over the world. Yep, yep.
SPEAKER 12 :
You make it very seamless, so I can attest to that. And for everybody listening, too, I'll just say it's a – It's an easy process. Works very well. Everything's up front. You really know where you're going with things on the front side of it. You get to have a choice in all these things as well, Jim, as you know. And you guys just make it really, really seamless. Now, let's switch over to the buy side. Let's say somebody's on... The website, which, by the way, give everybody a little tidbit. If you go on there and sign up for the VIP access, you get a day ahead of everybody else on what's coming out on the weekend. So, Jim, I would advise everybody to get on the mailing list and get that on the front side because there's a particular car that you're looking for that gives you a little bit of a heads up on everybody else that's out there. But on top of that, Jim, I also know that if people are looking for a particular car, they should call and tell you guys because you may be looking at that car next week.
SPEAKER 08 :
Oh, absolutely. We're constantly looking at cars. We're constantly looking for cars. Yeah, and we have 320 cars available right now. Awesome.
SPEAKER 12 :
Okay, so buying it. Let's say somebody's looking at a car, and maybe they found a car, but maybe it's just a tad out of their budget, maybe what they've got saved. Do you have the ability to help them with the funding of if they're maybe a little short on having the total amount ready to go?
SPEAKER 08 :
Oh, yes. Yeah, we have lenders in-house that we can work with and direct you to. And so, yeah, we can handle that, definitely. So, yes, there is financing available for classic cars, competitive rates through Lightstream and JJ Best and numerous sources. So, easy to do. And then if you work with your own credit union, a lot of times you can also get loans. For classic cars, and we can provide services for that. We can help walk through that deal. We can get appraisals done for you for the credit unions and the lenders. So, yeah, we have it all in-house. So buying a classic car is very convenient through us. And if you're out of state, if you're out of country, like I said, we provide full shipping service. And we have a lot of happy customers. We sell over 1,000 cars a year consistently.
SPEAKER 12 :
Yep. You guys do a great job. Again, we've had a good partnership with you guys now for several years. And we're looking at doing, for all of you listening, we're looking at doing some cars and coffee events maybe this spring and summer. So we'll be up there with you guys doing that. No, I appreciate it. You guys are great. You've done a great job for me personally, for all of you out there listening, whether you've got a classic car that you're looking to sell or there's something that maybe you've always wanted to own but didn't know where to look, I will tell you, go to Worldwide Vintage Autos. Find them on our website. There's a direct link. Just go to drive-radio.com. You can find them there. Jim, I also would add into this, too, that it's not just the classic car end of things. If somebody has just a... Unique vehicle. It might be even something more modern, but it's unique in that it's not your average everyday daily driver. So maybe it's a Hellcat Challenger, for example, or a Hellcat Charger. You'll take those types of cars and sell them as well, right?
SPEAKER 08 :
Oh, absolutely, yeah. If you look at our website now, we have a newer Trailhawk Jeep that has the supercharged 6.2 liter in it. You know, various cars like that. Yeah, I always say if it's cool, bring it. Okay. Because we want to look at just about everything that's, you know, there's new cars that are collectible too, future collectibles. There you go. There you go. So we definitely work with that. And I've been with the company a number of years and moved into consignment recently just to kind of help because we want to push that program. We've got a goal. We'd like to consign 50 cars by the end of February. Wow. So that's a push for us. So if you come see us now, we're going to get you the highest value for your car. Basically, the hope of it is the service is almost free to you. So we're pretty sure we can get you what you want. You don't have to have people come into your house. Thank you. You don't have to deal with people.
SPEAKER 12 :
Steve and I were talking about that prior to the show today, Jim. I mean, the ease of this to where you're not having to deal with all of the tire kickers, looky-loos, do they have enough money? How do you know they have enough money? When they bring the money, is it good? I mean, all of those things go away when they use you.
SPEAKER 08 :
exactly and we proof everybody before you know we i mean test drives happen but you know the test drives that happen are verified buyers right and so it's just really safe another thing to think about is title transfer the problems you can run into you know the problems you can run into to today with that we're experts at it we're licensed bonded dealer here in colorado and that's not an easy task to become a licensed bonded dealer here in colorado So, you know, there is a reason to use us, that's for sure. And we'll make it very convenient for you. You know, come on down to the showroom, check us out. I mean, the showroom's open five days a week. It's a non-pressure situation. So you can just walk in, you sign in, you get to walk around the showroom. You know, it's like having a car show right here in Denver. It is. No, literally.
SPEAKER 12 :
Again, I've been down there several times in the past couple of weeks, and I end up spending more time than I probably should because I'm always dinking around looking at stuff. But it's a great facility, and you guys do a great job, Jim. Yeah, dangerous place to come.
SPEAKER 08 :
It is. It is. We'll still get home with a car. Some of the cars I would highlight. There's a really pretty blue 44 Coupe down there right now. Yes, there is.
SPEAKER 12 :
And a nice Corvette on the showroom, by the way. Vintage Corvette on the showroom right now. Red and white. Very beautiful car. That thing is beautiful.
SPEAKER 08 :
Yeah, that's kind of funny. And then next week I've got a special. There's a 70 Chevrolet Camaro that's been LS swapped with a six-speed transmission and, you know, so more of a resto mod. And that's going to go on sale next week. So check that one out on the website, a 70 yellow Camaro. And then if you get down there, make sure and check out the Coyote converted Bronco that's sitting on the showroom floor. That's something incredible to look at.
SPEAKER 05 :
You know, even on the website, I see you have an 84 Toyota van, which I think is the other end of the spectrum. It is. Do you remember those? Yes, I do.
SPEAKER 12 :
Yes, I do.
SPEAKER 08 :
Dare to be different. Yeah, I think that's pretty cool.
SPEAKER 12 :
Well, and that went back to my point a moment ago, Jim, about how if it's a unique vehicle, you'll take it, look at it, and most likely sell it.
SPEAKER 08 :
Oh, absolutely. Yeah. Yeah. You know, that VIP list, we sell a lot of cars off of that.
SPEAKER 09 :
Very cool.
SPEAKER 08 :
I tell you, we started that, I want to say, seven years ago. There's 50,000 people now in this city that get an email every Thursday. That's all you get is the email. Yep. And you watch it, and if you're watching for a certain vehicle, it might pop up. And you've got the opportunity ahead of time to buy it before the general public if you simply put your email address in. You know, it gives you that ability. And, of course, they're discounted on the VIP, too, because our marketing costs, of course, are just high, and we market everywhere. There's not a place that your car won't be if you bring it here as far as marketing goes. That's awesome. Yeah, so anyway. That's awesome. It's a good program. It's a fun place. Come check it out. And we're professional. I mean, we don't have problems. We do our best.
SPEAKER 12 :
You do. You do a great job. Again, Jim, thank you for your time. I appreciate it. We'll send more folks your way. And thank you for all you guys are doing, Jim. I appreciate it very much.
SPEAKER 08 :
Oh, for sure, for sure. Yeah, you guys be safe. We will. You too, Jim.
SPEAKER 12 :
We appreciate it. All right, we've got a caller waiting on hold. We'll come right back to that. A question on a diesel motorhome, which we'll take up in Casper. Hang tight. We'll come right back to you. A couple lines open, 303-477-5600. This is Drive Radio, KLZ 560.
SPEAKER 13 :
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SPEAKER 04 :
Napa Know How.
SPEAKER 12 :
All right, we are back. Drive Radio, KLZ 560. Thanks for joining us today on this snowy... Actually, it's still starting to come out, though, but it's still snowy out here in the Front Range area. All right, call coming in from Casper on a motorhome. Go ahead. We'll see what we can do to help you.
SPEAKER 11 :
Hi. This is Miss Houston up in Casper, Wyoming.
SPEAKER 12 :
Nice, nice.
SPEAKER 11 :
Last time I talked to you, I had my Ford Aspire was having trouble. We did resolve it. It was not the... converter it was the um battery okay all right um my question today is on a allison uh cummins diesel boy georgie boy pursuit motorhome okay the transmission and the engine have been replaced and repaired okay But I have maintenances such as the brakes would be not doing good. The windshield is completely shattered on that model. Do you have any resources on how I can determine cost effect and whether that's a good buy?
SPEAKER 12 :
Well, let me start with this. What are they asking for it? $7,000. Well, here's what I will tell you. Probably not a bad buy given that you could remove engine and transmission and probably, well, not probably, you could get your money back out of just those two things alone, not counting anything else that you might be able to remove from said motorhome and sell it. Now, I will say this. I think the seven's a little high. I would try to buy that for around five.
SPEAKER 11 :
Okay.
SPEAKER 12 :
Okay? And at five, you can't get hurt.
SPEAKER 11 :
Okay.
SPEAKER 12 :
Because even if you put the windshield in it and do a few things to it, you can get that back out of it all day long.
SPEAKER 11 :
What I was worried about is that model you can't find any windshield for after you've gone through all that.
SPEAKER 12 :
Have you talked to Troy up there in Cheyenne on the windshield? He does a lot of big truck motorhome type stuff at Novus, and maybe he can do a windshield in that.
SPEAKER 11 :
Okay.
SPEAKER 12 :
And he's got a brand-new shop. In fact, I think they're going to do an open house up there next week, I want to say. He's opening a brand-new truck glass facility right off of 80 and 25, kind of right there in the corner there. So call Troy at Novus and see if he can't help you out on that.
SPEAKER 11 :
Okay. Fair enough. I know motorhomes weren't yours for today, but...
SPEAKER 12 :
No, we can handle that. We talk about these all the time. And again, I think on the windshield, here's the thing. If Troy can't do it, he can at least tell you who might be able to. But I can tell you this much. If anybody can, he can, because that's what he does. He does a lot of that kind of work.
SPEAKER 11 :
Okay. Okay.
SPEAKER 12 :
Okay. And I think he also, quite frankly, wouldn't be a bad person to just say, here's what this thing is, because he does some of that type of work and is around enough of those vehicles and so on. Ask him on the price as well.
SPEAKER 11 :
Okay.
SPEAKER 12 :
Okay. Troy would know. Tell him you heard us here. We were talking to you. He knows. He can handle that.
SPEAKER 11 :
Novus, Autoglass, and Cheyenne.
SPEAKER 12 :
And Cheyenne. Ask for Troy.
SPEAKER 11 :
Okay.
SPEAKER 12 :
Okay.
SPEAKER 11 :
Thank you very much. You're very welcome.
SPEAKER 12 :
Appreciate it very much. John and Cheyenne, you are next. Go ahead.
SPEAKER 06 :
You know, I'll throw a vote out. Troy is a great guy. He's done the last three or four windshields we needed on our vehicles.
SPEAKER 12 :
And he's got a brand. You may not have known that, John, but he's got a brand new facility they're opening up next weekend.
SPEAKER 06 :
It's over in what they call the Swan Ranch development. There you go. So if you're going into Cheyenne and you hit the three truck stops, it's south of there.
SPEAKER 12 :
Yep.
SPEAKER 06 :
You know, right before you would hit 80, you hit three truck stops.
SPEAKER 12 :
If you're over there at the Loves, I don't think you can miss it.
SPEAKER 06 :
Yeah, you get off there, and you go back to the south on the west side of the highway, and that's right where he is.
SPEAKER 12 :
Yep.
SPEAKER 06 :
So, just road heads up, I just dropped my wife off at DIA. Okay. So, the road, I-80 was a mess, as always. But they had the speed limit down to 50, and, of course, half the truckers out there, without the experience, think they can go 75. I'm just hoping it stays open until I get home. Get home, you know what I mean? Before somebody wrecks and they have to close it. But the question of the day, yeah, and the other thing, my wife and I counted between the time we got on 25 from 80 and the time we got on the toll road There were eight vehicles wrecked in either the right shoulder or in the center medians on I-25. Wow. One was on its side, and just looking at it and being an old fart like I am, it was all, I would say every one of those was going too fast for conditions last night.
SPEAKER 12 :
Yep. That would be my guess. Agreed.
SPEAKER 06 :
I mean, I always say this to people when they're saying, well, why do you drive slowly on the ice and snow? And I say it. Because my life is not worth the 10 minutes I'm going to save.
SPEAKER 12 :
Can't argue that one.
SPEAKER 06 :
Yeah, I heard your... I can't remember his first name from the Fort Collins shop. The road was good until I got to on the other side of Buc-ee's and then it got a little worse. North of Harmony wasn't bad until you got north of Wellington and then of course There's not enough traffic on that stretch of road today to keep it warm. But, John, what you were saying, best snow story?
SPEAKER 09 :
Yeah.
SPEAKER 06 :
I guess I was in my house three or four years. We had a big snowstorm, and I couldn't drive up to the house, so I was going to walk. And this was the story. I had to walk up. It's about a mile. I've done it probably 200 times. But this was before I got a set of snowshoes and I had a post hole. up the hill, and that right now is why I have a pair of snowshoes and a pair of trekking poles in the back of my truck.
SPEAKER 07 :
That's a great story. Good for you. Much less effort.
SPEAKER 06 :
Oh, gosh. One time I had to go down, and we had just gotten new fresh snow, and I cross-country skied down, didn't realize that it was going to be a straight uphill climb going back up, and that wasn't fun. So that's when I went back to the snowshoes. It's a little more effort, but yeah, going uphill on cross-country skis, it's done, but it's hard work. It's a workout.
SPEAKER 12 :
Yeah, I can only imagine.
SPEAKER 06 :
Unbelievable. John, all these years you've never cross-country skied?
SPEAKER 12 :
Nope, something I've never wanted to do. Not on my bucket list at all.
SPEAKER 06 :
Okay, because it's so much fun. I'll give you an example. We were up in Steamboat at the beginning of the week. And the lift tickets were $279 for a one-day ticket. The best Nordic Center and Steamboat was $30 for the day.
SPEAKER 12 :
Quite a difference. That's crazy.
SPEAKER 06 :
That's one of the reasons. And then we went up to Steamboat Lake, which is $10 for the car for the day. And they groom it like twice a week on the trails they have in your state park. It was really nice. And then just to throw out, I don't know who this guy is, but he's on the road from Steamboat to Clark. He's an old rancher, and he grooms his pasture for cross-country skiing, and all he asks is you don't do any damage. And he lets you do it for free.
SPEAKER 07 :
Fair enough.
SPEAKER 06 :
What kind of great person is that just to do that? Fair enough.
SPEAKER 07 :
Yeah, that's good for him. Yeah, sharing the resource.
SPEAKER 06 :
That's awesome. Yeah. Yeah, and he grooms it himself, and there's a sign there. He says, no walking on my trails, skis only. That's pretty fair. Yeah, that's very fair. Fair enough. And it was awesome. So, John, you guys have a great day.
SPEAKER 12 :
Hey, you too, John. Thanks for the update.
SPEAKER 06 :
Appreciate you. No, go ahead.
SPEAKER 12 :
Yep, E470 is in really good shape. Okay, good. Good to know. John, thanks, man. Appreciate you. And I'll talk to you next week. All right, man. Thank you very much. Good update. For those of you that are out and about, be safe. Questions, we've got answers. 303-477-5600. Got a lot of text questions that came in as well. One of them really quick being, Toyota dealer is telling you that there's lifetime fluid in the vehicle. We hear that all the time. No, it's not. Well, I mean... I guess they quote-unquote call it lifetime fluid, but no, it's not. Yes, they still need serviced. I'll explain when we come back why they do some of the things they do. I had this conversation with one of the shops I coached this last week on informing customers of theirs, how this works and why those dealers say that. I'll come back and talk about that here in just a minute. Don't go anywhere. Drive Radio, KLZ 560. All right, we are back. Rush to Reason, Denver's Afternoon Rush, KLZ 560. This is part of the week where we stick our drive radio portion in this as well or wear that hat. And, Richard, you've driven a couple cars here lately. One of these that we'll most likely replay again on Saturday is the 2025 Honda Pilot Black Edition.
SPEAKER 03 :
Yes. So 2025 Honda Pilot Black Edition, Dad, which is a Honda Pilot with a $1,500 appearance package on it. So it changes the appearance. And here's the deal. That's not to knock it, because I think that some people will like the Black Edition for what it brings, right? And the different accents and the blacked-out trim packages and trim pieces that it does give you. So that is not a knock. I'm just telling you what it is. So if you know what a Honda Pilot is, I encourage you to check this vehicle out, Dad. And it is... It is the same pilot that was introduced back in 2023 and is a fantastic vehicle, especially if you're looking for kind of that mid-sized SUV with a... two full-size rows, right, with that third row as a kid hauler, right? And some people are going to say, oh, those don't fit adults. Dad, I don't think that this car should, right? And this size of car and vehicle in the market and other competitors, they don't fit full-size adults, and there's nothing wrong with that. I was able to drive the kids around it, put them in the third row. They fit fine. There's still a little bit of storage. Behind the third row, which is great, the model that, again, the model that we had, you can actually take out the center console in the second row, store it kind of in the storage that's behind the third row, you know, obviously in the trunk space there. Right. If you don't want that, and that gives you a little bit more real pass-through, but if you don't want to do that, you can have a really great storage space in the third row that gives you even more room for groceries and some other things, and so if you're okay with people Kind of sneaking in, you know, as you slide the second seat forward and you don't need them to sort of pass through the middle of the second row. This is the, you know, it gives you the ability to do that. Price-wise, Dad, on the Pilot, starts anywhere from about $41,595 for the Sport Edition to this Black Edition that we drove, which is about $56,130. Fuel economy is $19,025. We were able to average about $21,022. The acceleration and stuff, Dad, this is, you know, it's got a 3.5-liter V6 engine. I believe it's got a 10-speed automatic transmission, which runs really well. Is this going to blast anyone off the line? Nope, but it's not meant to be, and I'm not knocking it for that. Relatively quiet on the inside. Got a lot of the creature comfort that you want on the inside. I'm not going to give everything to everyone on that. You can go kind of look for yourself of what you're looking for. But, Dad, you've driven pilots in the past, and you've driven the newer one, and it is a great option for that midsize SUV market.
SPEAKER 12 :
Solid vehicle. I get people all the time that ask, you know, I'm looking at this versus that. And this is a particular vehicle that always comes up in the lead, if you would, Richard, just because of its known reliability. By the way, its resale side is always high. I mean, at the end of the day, Richard, it's a Honda SUV. You can't go wrong.
SPEAKER 03 :
Well, exactly. And Honda, again, lots of reliability, right, Dad? And it's got great visibility. Yes, at our altitude, what I love a little bit more, there are some different competitors out there that have got some different engine options, yes. But for the value, Dad, where you're in the mid-50s, so you're sub-$60,000. For an all-wheel drive, mind you, this is an all-wheel drive vehicle, it's really hard to beat. So I would encourage folks, head to your local Honda dealer, test drive it, and if you've got kids, and Dad, I know this part, next part, you don't care about, but if you've got car seats, folks, I can tell you that car seats will fit in this car, and they fit in relatively well and easily, and I encourage you to go out, put your car seats in these cars, because the last thing you want to do is buy a car,
SPEAKER 02 :
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SPEAKER 04 :
You're driving down the road and out of nowhere comes a bang. A huge rock just hit your windshield and now you have a star in your windshield. Did you know that chip can be fixed? But who is the best? Who has the best resins that keep developing them to work with the newest windshields? That would be Novus Autoglass. Novus, which is the Latin word for innovate, invented windshield repair in 1972. And it still leads the industry in cutting-edge technology, backed by more patents than any other repair and replacement company ever. While other glass repair services offer limited warranties, or worse, none at all, you can trust the original Novus pros to stand behind their work with a full refund that you can use towards a windshield replacement for the life of your windshield. Find a Novus location near you by going to any of our websites, ready-radio.com, drive-radio.com, or fixitradio.com. Just click on the Novus link. That's Novus Auto Glass.
SPEAKER 01 :
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SPEAKER 20 :
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SPEAKER 12 :
All right, we are back. Drive Radio KLZ 560. Thank you guys so much. I appreciate you listening. Okay, why do, in this case, I'll pick on Toyota for a minute, but it's not just Toyota. A lot of the manufacturers will also do this. Why do they tell you no need to handle, you know, no need to change transmission fluid? It has, quote, unquote, lifetime fluid. They're doing that because, number one, the factory is really teaching and training the dealership to not push some of these service sales on purpose. Because if they can lower their overall total cost of ownership, TCO, it gives them a leg up on the competition. When somebody's out trying to compare a Camry to a Malibu to a Ultima to a whatever... They will then go out online and they'll look at total cost of ownership reports and they'll compare a Camry to a Malibu to a whatever. Do people really use that? Oh, yeah. Okay. Oh, yeah. They'll use it. Yeah.
SPEAKER 07 :
You'd be surprised.
SPEAKER 12 :
You're saying less maintenance equals lower cost of ownership. Correct. Okay. And that's what they're trying to push on these people is a total lower overall cost of ownership. But it's misleading. Actually, it's lying, I think, to the customer because the reality is by the time you're at that mark, let's use that 100,000-mile interval where they say it's lifetime fluid, you don't need to do anything. Well, we all in the service world know if you let that particular item – run that long, and I know some manufacturers are a little better than others, but in general, you let that lifetime fluid run for that total 100,000 miles plus, reality is you're going to have other problems coming out of it because you should have changed that probably already once if not twice by then. But that's why these dealers and manufacturers do that. They're trying to get their overall total cost of ownership down is what they're doing. And that's how they do that.
SPEAKER 07 :
So it's not specifically what's best for that vehicle, what's best for the maintenance of that vehicle, but it's more of a financial projection that they're working with.
SPEAKER 12 :
That's correct. Absolutely. So what they're really doing is... I don't want to say it's deceptive practices because they'll come back and claim that, well, our full synthetic lifetime fluid will last X amount of time and we've designed it in such a way that it will do this, that, and the other, blah, blah, blah, blah, blah. And you probably have a hard time ever fighting them in court over something along those lines. But we all know the real world and what those things look like when it goes that long.
SPEAKER 05 :
Well, and under normal conditions, which we don't ever drive in normal conditions. Their definition of normal conditions is not realistic.
SPEAKER 12 :
Great point. So, again, bottom line is they – deceptively, in my opinion, tell you things that aren't necessarily true. And what ends up happening then is there's this battle between us, which we're in the aftermarket, versus them on the OEM side. There's this battle then of who's right versus who's wrong. But I can tell any of you out there listening, all you have to do is take a little bit of time out on the Internet. Go to any YouTube, other places, and start looking up what do some of these items look like. When people have let them run that long under, like Steve said, not normal operating conditions, because very few people do, and if you go out there and start following anybody at all that actually does, for example, transmission repair work and things along those lines, you're going to find out that, no, you cannot push that transmission fluid that long. You cannot do an oil change interval on an engine at 10,000 miles, like the dealer and the manufacturer may have said. On and on we go.
SPEAKER 05 :
Well, like earlier this week, we're almost in the 70s. Yeah. Now we're looking at 10 degrees. Right. And, you know, that's hard on fluids, and it's hard on moisture gets in the oil, moisture gets in the brakes, brake fluid and all those things. Yes. And that's not normal conditions.
SPEAKER 12 :
No, thank you, Steve. The temperature swings alone this week would tell you that we are in severe conditions. And again, folks, you're going to see some of this battling, if you would, of what happens in the aftermarket versus the OEM. Now, one of the other battles that we're still fighting, because, again, I coach other shops and talk about some of these things on a weekly basis, had a phone conversation with a service advisor this last week on, for example, oil changes and the pricing of. And the reality is, in today's world... And I'm not exaggerating. To get a proper oil change done, high-quality filter, full synthetic, which in my opinion is all anybody should use. You should not use standard and or blended oil. And if you are, shame on you. By the time you do all of that, do a full inspection on the car like it's supposed to be done because there's liability on the part of the shop doing so. So all of you out there listening, by the way, that may want to just know who's the cheapest place to change oil, number one, if that's what you're asking – You're not a good customer. I'll just say it straight up. Because you're not looking out for the best interest of your car if you just want the cheapest price. Because in a correct oil change, it's been this way for years. I was trained this way when I was 12, 13 years of age. If you're doing a correct oil change, you are looking at the rest of the car. You are checking belts and hoses and fluids. Correct. In fact, when I was a kid growing up, you even lubricated door locks and things along those lines because that's how I was trained back in the day to do an oil change properly. It wasn't just dropping the oil, putting a filter on it, putting new in and shipping it out the door. There was more to it than that. So point being, there's a big difference between going to a quick lube and paying one price for an oil change versus going to a high-quality shop and getting an oil change done. Which, by the way, at a high-quality shop, if you can find an oil change for less than $150... I would encourage you to take that deal, other than it's probably not being done right, because any of the high-quality shops that are out there, you're going to be a minimum of $100.25 to $150 on an oil change. Am I wrong, guys? We're right there. We're like $110 to $120. Okay. Again, now... You might find some specials. Maybe somebody's running a special on oil on a particular month or week, or maybe they've got a freebie deal where they're going to throw the labor in because they're trying to run a special that particular month, or maybe there's an oil filter special or something along those lines. And keep in mind, too, for some vehicles that require even a higher capacity oil, some of the trucks where you're getting up to six, seven quarts of oil, that price I just gave a moment ago is even low because synthetic oil is not cheap, is it, guys? What are you on a quart of synthetic now? Ten, twelve bucks a quart? I would say close to $10. $8 to $10, yep. I mean, even if you go and buy it off the shelf on your own at your own oil change, you're $8 or so, and we have to make money. So, yes, you guys are going to mark up oil because that's how this works, and you're taking the responsibility of the oil change and liability and everything else that goes with it. So, of course, you're going to make some money on that. You need to.
SPEAKER 07 :
So can you address just a minute, so I know you've got a lot of training in this, John, but the difference between conventional oil, synthetic blend, and then synthetic, and why you are advocating only synthetic?
SPEAKER 12 :
I am one that will tell you I don't even think regular oil should be made any longer. That should have been gone a long time ago. And by the way, if you get rid of regular oil, you can't even have blended oil because essentially blended oil is four to one, roughly. regular oil versus synthetics. All a blended is, is you literally could take four standard quarts of oil, pour those into your car, take the fifth, if it's a five quart capacity, take the fifth as your synthetic, throw it in, you've got blended oil. That's all they're doing in a blended oil situation is what I just said. All they're doing is mixing it together. It is not full synthetic, and it doesn't have that much synthetic oil in it in the first place.
SPEAKER 07 :
So at the time when vehicles that were recommended to use conventional oil, at the time they were built, that was the best thing going. So what you're saying is we have progressed as an industry. We've made progress with the oil composition. And everybody now should be using what's better than what we had 40 years ago.
SPEAKER 12 :
I think. And if you think about the fleet age of the cars that are on the road today, and this is what I try to teach my shops, when you think about the fleet age being right now 13 years roughly, it's like 12, 8 or so. So if you go back in time and think, okay, if we go back – 13 years, that means those are 2012, roughly, and newer vehicles, right? Yep. I can tell you that the majority of vehicles, if not all of the vehicles produced in 2012, factory fill, full synthetic. Very few cars in 2012 came without factory fill, full synthetic. So if they came factory fill with full synthetic... Why would you vary that? Why would you change? And we won't. No, and I wouldn't either. I don't even have my own fleet. And if you look at, for a lot of you listening, the internal components now of an engine, variable valve timing and all sorts of other things that are happening, you know, General Motors deactivates cylinders through the lifter. There's all sorts of things that are happening inside of an engine that, by the way, you didn't have in a 1978 Nova with a small block engine. you know chevy in it there's so many things going on now inside of an engine that it's so important to keep that oil clean fresh proper viscosity that's the other thing the old timers they want to always go to a heavier oil you cannot do that in today's world if it says you need 020 you need 020 no that doesn't that doesn't mean 030 that doesn't mean 1030 it means 020 that's what it's required to have in it that's what you've got to put back in it
SPEAKER 05 :
Agreed. And even lower now. They're getting, what, 0.16? There's even some 0.6 or something now, I want to say.
SPEAKER 12 :
I mean, it's getting that far down. Really thin. So, yeah, super thin. They're doing that because of a lot of the components inside of the engine that have to be lubricated quickly because things are moving. Now, we could talk about some of that in the warm-up time. I talked about that a little bit last week, but with it being really cold this weekend, I may touch on that here in a moment. Don't go anywhere. Lines are open, 303-477-5600. This is Drive Radio, KLZ 560.
SPEAKER 15 :
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SPEAKER 12 :
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SPEAKER 19 :
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SPEAKER 17 :
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SPEAKER 12 :
All right. Thank you guys for listening. Appreciate it very much. Patch Knight joining us from Alltech Automotive up in Fort Collins. Steve Horvath from Geno's Auto Service with us as well over in Littleton. And somebody said they really appreciate these cold days because we are coming in loud and clear in Lincoln, Nebraska. So thank you for listening to us all the way in Lincoln. And there's a great question that came with this, by the way. On new vehicles, brand new, when should you change the oil? Should it be $1,500, $2,500, $3,000, $5,000? I mean, what do you do with some of that break-in oil that's in that particular engine? In this case, it's a Duramax or a Cummins or something along those lines. Now, that's a different scenario. So this applies to new vehicles only. I am a fan of – and I do this with my own vehicles – I leave that factory fill-in on a regular gas engine for at least the full 4,000 miles. Because there's break-in oil and things they've done with that particular product that I want to leave in and get the engine broken. On a diesel, I'll run it out to the full 7,000 miles because your capacity is so much higher on the diesel than it is on the gas engine that, no, I don't change it at the 4,000-mile mark, even on the diesel at that point. Now, there's a few exceptions to this. If you're somebody like me where you maybe buy a car and don't drive it a lot, that car may never even get enough miles on it to do the full break-in because of condensation and things along those lines. Should you still change oil at some point? Yes. And I actually have a car that I bought that to this day it's two years old and has 200 miles on it. I just don't drive it. I bought it more to... see what the investment side would be versus actually driving it. And yes, at some point I will change oil on that car because it only has that amount of miles. And that's a, that's a little bit of an exception to some of what we're talking about, but that's not the norm. Most people buy a car, drive it, not a problem off you go. Now, given that though, if you're going to be on a, you know, say 4,000 mile, 3,500 mile, you know, oil change, just make sure you're running that factory fill out long enough to where you're getting all that break in done and, And so on. And that's an exception to the rule with the rest of this. But again, that's the first oil change that you're doing. And again, on a new engine like that, you don't need to do EPR or anything along those lines on probably those first two to three oil changes. You're not going to have much carbon buildup and things. uh that and that early on on a new engine you could wait till that vehicle i think even bg says you know get 12 15 000 miles on it something along those lines and then start doing your epr services and so on so for most people it's a year down the road with your brand new car when you would start doing some of those things so bill and cheyenne you're next go ahead hi thank you for taking my call thanks bill uh yes i have a friend that has a 2001 so you have the coma and uh
SPEAKER 10 :
She has not taken care of the truck too good. It still runs fabulously. But on the transmission, she's never changed the fluid. I've tried to get her to change it before, and she's, nah, later, later, crap. Excuse me, though. But when the oil goes out to the cooler in the front, is that before it comes back to the filter?
SPEAKER 12 :
Say that again, Bill. I'm sorry. I'm answering texts at the same time. Say that one again so I can make sure I picture this in my mind.
SPEAKER 10 :
Okay. It's a 2001 Toyota Tacoma. It's a V8. And when the fluid goes to the radiator in the front, you know... The secondary, you know, radiator, when it comes back, is it that when it goes through the filter?
SPEAKER 12 :
No, it's sucking it. So the way transmission works is it sucks out of the pan, runs through the transmission, goes out the cooler line, runs all the way back up and through, comes back to the transmission, cooler, of course, and then off you go. So, yeah, it's sucking it up first, and then it goes through the cooler.
SPEAKER 10 :
Right, okay.
SPEAKER 12 :
So whatever screen is in the bottom of the transmission, which literally anymore, they're screens. They're not even like the old filters we used to see back in the day on, you know, like a Turbo 350, Turbo 400, whatever, C6, Ford, whatever. We don't even have that type of a filter anymore. It's literally a screen now, Bill.
SPEAKER 10 :
Right, but it's a very, very fine screen.
SPEAKER 12 :
Not as fine as you think, but yes, it's a fine screen. But really, it's not doing a whole lot of anything.
SPEAKER 10 :
Okay, so when it comes back, it goes through the filter at that point.
SPEAKER 12 :
It drops into the pan. It's going to sit down in the pan. A lot of them even have a magnet at the bottom of the pan to even take some of the metal that's going to accumulate inside of the transmission. It'll stick to that magnet. Then it gets picked up and goes back through the transmission.
SPEAKER 10 :
Oh, I see. Okay, well, the thing is, I was wondering... If I could change the fluid and then put an external filter on the return line to try to catch any goop that gets picked up.
SPEAKER 12 :
You can, and some transmission replacements will actually have you do that. The downside to doing that is you're typically cutting a cooler line, and then making all of that function properly with no leaks or anything becomes a difficult part.
SPEAKER 10 :
Well, I won't have any problem doing that. Yeah, I understand that. I understand that.
SPEAKER 12 :
And as you know, and I say that because, you know, a lot of technicians even today don't even know how to flare a line and such. And as you know, you'd need to flare the line and do some things along those lines to make all that work properly. As long as all that can be done, sure, you could do exactly what you're saying.
SPEAKER 10 :
Yeah, okay, okay. Because, I mean... The truck runs great, but, you know, if it loosens up crap, I don't want to, you know, have to plug the filter.
SPEAKER 12 :
No, I agree. I see exactly where you're going. Yeah, that would be a good way of doing it. Sure, definitely.
SPEAKER 10 :
Yeah, okay. Yeah, I've put an external filter on transmissions before, and it seems to work okay.
SPEAKER 12 :
Yeah, no, and back in the day, it was actually really common back in the day before we had all of these electronic solenoids and things that were running on today's transmissions, which I don't know that I would do that in today's world, but back on that one, you could do that all day and have no problem.
SPEAKER 10 :
Yeah, okay, very good then. Well, proceed. Okay, thank you so very much.
SPEAKER 12 :
You're very welcome, Bill. No, I appreciate that. And so what Bill's talking about is for years, and they still make them, and on some older transmissions, they would work fine. It's just an inline, you know, 516th type filter. It's probably, I don't know, 3-inch round, 4-inch long, you know, inline filter that was made specifically for, you know, high-temp transmission fluid, and it will pick up some of that debris and things that may be coming later. Back in the day, some of the transmission remanufacturers used to require you to keep that transmission in warranty to actually put a filter on it to make sure that if there was any leftover debris and such from the cooler and so on, you were picking all of that up. I don't think they're doing that anymore because of the modern transmissions, although... Some of the transmission manufacturers today will require you to change out the cooler to keep their warranty in effect because there can be debris and things left behind in the cooler. So what they're doing now is instead of putting a filter on it, they're making you change out all componentry so there's nothing left debris-wise.
SPEAKER 05 :
At the very least, they're making you flush it. Exactly.
SPEAKER 12 :
So there's not much left in there at all. So, again, things change in the industry. in every industry by the way and i think what bothers me the most in this industry is people get stuck in their ways and they're not open-minded enough to be able to take those changes that come and then run with them because they've always done it a certain way that's how they're going to keep doing it well anytime you do that in any industry you're going to fail because things change and it does in this industry as well all right another full hour coming your way myself pat from fort collins all tech automotive and steve from geno's we'll be right back don't go anywhere drive radio klz 560.
SPEAKER 16 :
Still haven't had enough? Go to drive-radio.com, email your questions and comments, download previous programs, and find lots of useful information, including your nearest Colorado Select Auto Care Center. That's drive-radio.com. Thanks for listening to Drive Radio, sponsored by the member shops of Colorado Select Auto Care Centers. On KLZ 560.
In this episode, we're tackling the evolving landscape of roofing insurance with insights from industry expert Dave Hart. Whether you're navigating the complexities of deductibles or understanding the fine print of your insurance policy, we've got you covered. Tune in as we discuss the implications of hail damage, the rising costs of policies, and how homeowners can take proactive steps to protect their investment. We also dive into the benefits of technology in roofing with a look at RoofMax, a revolutionary product designed to extend the life of your roof. Discover how you can save money and reduce risk with simple yet effective maintenance strategies. Don't miss our conversation on the importance of educating yourself about insurance policies and potential changes on the horizon.
SPEAKER 09 :
in the floor behind the chair this is america does everybody know what time it
SPEAKER 05 :
It is Fix-It Radio. Cold, snowy morning here in Colorado. If you're listening to Replay Show, you'll know that today is January the 18th. And yes, we've had a nice big snowstorm. Lots going on, of course. Inauguration day coming up. Steve Horvath from Geno's Auto Service with me today. So we had several things we wanted to cover today in light of the fires and different things that have been going on that way. But Steve, any issues getting down here today? No, no. Actually, it wasn't that bad.
SPEAKER 09 :
It's nice that traffic wasn't so bad either.
SPEAKER 05 :
A lot of people staying home, I think. Good thing. Which is fine. Speaking of, I figured since a lot of people probably are at home, they might be more intent on listening to some things today. So Dave Hart joining us now from Roof Savers of Colorado. And Dave, you and I have been talking, you know, always. I mean, it's a constant conversation with you when it comes to the insurance end of things. But with what's happening in California, a lot of what you've been talking about when it comes to insurance, especially... roofs, but just the policy in general, there have been big changes, and I'm afraid that there's bigger changes coming. Am I wrong in my thoughts?
SPEAKER 13 :
No. I think, good morning, first of all. I think you're definitely right on the mark. Just even the last two years out here in Colorado alone, last year we didn't have a ton of hail. The year before, we had a regular amount of hail storms. um that caused damage and i don't remember the dollar amounts i have too much going on to keep track of that every day but uh but it was large numbers and due to that um some of the fires that we had you know even your place up in the mountains a few years earlier than that right the interest cup is like hey we can't keep paying for this and unfortunately they're they're not a non-profit you know they're out to make money they are money and as most businesses who are and so when they see that their expenses are going up, like any business owner, they would figure out how to cut those back.
SPEAKER 05 :
And so during that time and that process... Basically, minimize risk is what they're looking at.
SPEAKER 13 :
Minimize risk, yes, better way to put it. Um, so what they started doing is raising first sort of raising everybody's deductibles, you know, from an average of a thousand to 1500 up to between 2,500 and 5,000 as an average. Um, mine was no, no option. Otherwise it went to 10,000. So it's like a, it's like, it's almost 10 grand. It's like a 2% now. Um, and a lot of the insurance carriers started pulling out of the state. Um, so that was the first thing. And then they started pulling or implementing another policy where if your roof is 10 years old or older, If you have an event that requires replacing your roof and it's 10 years old or older, some carriers are 15, but most of them are 10, they're going to give you what's called the ACV. So they'll give you the money that the roof is technically worth. Actual cash value. Actual cash value minus your deductible. So in a lot of cases, we're starting to see roofs that are costing $18,000, $20,000. And people are getting $6,000, $7,000, $8,000 to replace the $20,000 roof. By turning back out the deductible, they're not getting the depreciation, the full amount, full replacement cost value. And so that's what's going on. And now we have, I forget the latest numbers, up to $30-something billion or $300 billion in California.
SPEAKER 05 :
It's going to be a huge amount of money. I'm not sure they've even got that one, Dave, total tally, because as you know, they haven't even figured out what all infrastructure and everything else they've lost at this point. I would venture to guess that it's going, the 30 is probably not going to be enough. It's going to be much, much, your 300 probably isn't too far off when it's all said and done. Look at how much damage has been done out there.
SPEAKER 13 :
Yeah, so I think with that, it's just going to cause them to tighten their belts even more. And I'm predicting, I'm not saying it's going to be tomorrow or in a year from now, but it won't be long. We're going to be kind of going to, I believe it is some New Jersey, somewhere over there where we basically don't have any insurance for your roof. I may be misspeaking on that one. But I heard somebody talk about that the other day.
SPEAKER 05 :
I could see where insurance companies could do it a lot like they do windshields on a car, where in a lot of cases, Dave there and Steve knows this, there's policies out there that you're going to pay more premium and they may go ahead and cover that. said windshield or you may have a you know 500 deductible on said windshield or there's no coverage at all i could see them getting to the point where on the roof itself it becomes almost a separate rider if you would to where okay if you want this kind of coverage this is what the addendum this is what the additional cost and the policy is going to be otherwise the standard policy is xyz i could see him going to that dave
SPEAKER 13 :
100%. And unfortunately, I saw this coming back in 2010 because we went through a period from 2011, 2008, those three years where we had a lot of hail, too, and I started seeing a lot of changes within the industry. And I predict a lot of this happening. I thought it was going to happen sooner, but here we are now. And so I think what it's forcing us all to do is to take on, and I know you talk a lot about it, but having that first responsibility with our roofs and the exterior of the home in general. But the roof takes the brunt of the damage. And anything we can do to keep that roof alive, keep it going, keep it maintained, the less we have to deal with issues coming on that. And I think over time... Maybe the insurance costs will start to average out, but it's going to be easier.
SPEAKER 05 :
Well, and here's the thing, and I'm not trying to point fingers or throw stones or anything like that, but in a way, I think a lot of times the insurance policies on roofs are used a lot like it would be for a windshield, and I'll explain that. um nobody wants to pay for anything if they don't have to if they can get something that's a pretty large ticket item covered by the insurance of course you know it's their right to do so but i'm afraid what's happened in the past dave and i think unfortunately unscrupulous roofers not you but but your industry is well known for this you know there's there's a hail storm that happens and you know maybe there's a little bit of damage on that roof but let's face it there's probably also a lot of wear and tear and things that have been going on over the past, you know, probably five to seven to maybe even 10 years. And so, you know, this particular roofer gets up there and says, well, you know, yeah, you've got some hail damage. But, you know, I tell you what, I think we can, you know, we can highlight some of these areas where there's definite hail damage. And by the way, Dave, maybe that's one or two places on the roof where you can actually see that the rest of the roof doesn't have a whole lot of damage. That's what they used to go to the insurance company with. And depending upon who the adjuster is and what all's happened in that particular area and how busy they are, A lot of people can get that thing slid through, get a new roof out of the deal when it's all said and done. And I'm here to tell you, those days are ending. They're coming in very quickly. And by the way, in what I just said a moment ago, am I wrong in any of that?
SPEAKER 13 :
100% no. I can't tell you how many times I've been on a roof with an insurance adjuster. And I meet them in the street. I'm real friendly. I don't argue. I'm there to help them out and help. I get up there, and a lot of times I'll meet the adjuster on the street and say, Mr. and Mrs. Adjuster, I'm here to represent the homeowner. Just so you know, I did not see enough damage up on that roof to warrant making a claim. Customers still want me here to represent and represent them and be there on their behalf, and I stay out of the way. Eight out of ten times, not even nine out of ten times, they pay to replace that roof. And there's a lot of reasons for that. A lot of them don't want to deal with, and it wouldn't be me, but it's 9 out of 10 contractors will argue with them, and then they get the homeowner hyped up, and then they put a... The hassle factor they don't want. Exactly. So they just end up paying for it. Well, here we are. And nobody likes the insurance companies as such. We don't like paying them that premium every year. But it's there for a reason. But when we're abusing it, we're paying for that abuse now.
SPEAKER 05 :
In a way, I've always looked at insurance. I talk about this a lot, mainly because of the personal responsibility end of things, Dave. I look at insurance as just that. I didn't buy a maintenance policy. I bought a catastrophic insurance policy. So if something major happens, fire, something along those lines, I'm covered. But the regular day-to-day things... If I can save money on the policy by doing some things myself, then that's what I've tried to do now for decades just because I've learned. I guess you could say you learn the hard way, and Steve understands this on the business side as well, but you learn on the hard side when you have too many claims or too many things that start to happen, one of two things happens. Either you don't have insurance with that company any longer or the premium is such that you're probably going to go someplace else anyways. But then people forget that there's what they call loss runs where they can still go back and see exactly what you've done insurance-wise on that particular piece of property anyways. So the point with all of this is, number one, for everybody listening, I'm not – trying to exaggerate or scare anybody when it comes to these things. But I want people, Dave, to be fully aware of what's coming. And, you know, you know me. I want people to be prepared and not be shocked when these things happen. And the other thing that I have a fear of, and it's not probably the majority of my listeners, although I think there might be some out there listening right now who don't even know what their policy actually says. And a lot of people don't, Dave, until they actually have to turn something in on a claim.
SPEAKER 13 :
We run into that a lot. Like, oh, I didn't know I had an $8,000 deductible. I thought it was $1,000. Well, you do. And I can't do anything about it. I just have to do the best I can to work with them to make it work. Right. But we run into that a lot. And even on the claimant, I've had just two in the last 30 days, testers have made a claim, legitimate hail damage. They waited until now to have it looked at. And, I mean, legitimate damage, not even a question. And they've made the claim. They paid out of a claim. Not an issue. As soon as they made the claim, they canceled them. And they hadn't had a claim in 20 years. And so we're seeing that happen a lot as well. I don't want to tell people to not make a claim on it. There's a reason we have our insurance. If your roof is damaged, then... to the point where it makes sense to replace it, then we should replace it.
SPEAKER 05 :
Um, okay. I've got a question that came in before we continue on. Cause I want to talk about the maintenance side and what you can do to even help extend the life of the roof and so on. This is on a metal roof. Somebody says, what about a standing seam? Many metal roofs are hit with hail and then they'll claim that it's just damn or they'll claim that that damage is just cosmetic. Walk us through that end of things as well.
SPEAKER 13 :
Yeah. So on, it used to be, um, If you had some dings on the metal roof, they'd pay to replace it. In the last five years, they've really tightened their belts on that, and now they are correct. They are considering that cosmetic. Now, if that metal is damaged to the point where it causes that baked-on coating to color, if it causes that paint to crack... then we can get it replaced. Because what happens is the paint cracks, now the metal, water's going to get under that coating to color the paint and then start rusting. But if it just dings, yeah, they're considering that just cosmetic.
SPEAKER 05 :
So in other words, that one is getting to be more... Well, they're just... This whole conversation, they're getting more careful in what they're doing and what they're paying out on. Right. Exactly. Yep. Okay. Minimizing the risk. So let's talk about the RoofMax product. I've talked about that plenty in the past. It's the main reason why really you started with us in the first place. I've had it done on my roof. I've had family members that have had it done. A lot of listeners listening have had it done. it is a great product and really dave what it does and not to take you know any of your thunder away but for those of you listening this particular product not only extends the life of your roof by by rejuvenating what's already there but it literally dave in a lot of cases will make it even more you know quote unquote storm proof because in my case where i'm high wind area and every time the wind blows super high i have dave out to look just to make sure everything's all dialed in because literally where i live it can be 100 mile an hour and i'm not exaggerating when i say that and dave with everything that you've done on my roof we literally go through those storms and you know knock on wood because you never know but so far we've been through several of those with no issues correct yeah um
SPEAKER 13 :
So, yeah, what the treatment does, let me back up real fast, too, on the re-roofing of things. We're doing a lot more higher-end roofs that will withstand hail a lot better. They are more expensive. We do have financing programs to help out, stuff like that. So there are options to help with that in the future if that's a way a client wants to go. If not, RoofMax comes in, and what it does is it puts the oils back into the shingle. So as the shingles age, they dry out. Much like the roads that we drive on, they start cracking, they lose the granules. And your granules, they have two functions. The first one being they give you the color of your roof. The second one being is they keep the UV rays off of the asphalt of the shingles as long as we can. So it's really important to keep as many of those granules on for as long as we can, as we possibly can, because it keeps the UV rays off. So when we treat a roof with the treatment, It puts the oils back in. It puts the moisture back in the shingle so it can expand and contract. It helps hold the granules on longer. And to your point, once it soaks all the way through the shingle, which this time of year we can treat it, it takes about 45 minutes to soak in the shingle. And once it does, it can rain, it can snow, it can freeze, no issue. It's in the shingle. But it takes about three days for it to fully saturate the shingle to hit the seal tabs and drastically help. allow those steel tabs to stick again. You know, we can't promise to be every single one, but it helps tremendously. And so far, we haven't had any... any wind calls this year of any shingles blowing off, especially on the roofs that we have treated. Okay. And there's some roofs out there that are pretty old. So it really does help out. And even if it doesn't seal down, it makes that tab, that shingle, more flexible. So it may flop up in the wind, but it shouldn't break off because it's pliable. The reason they break off is because they're dry. Right. and then to fly off. So it basically does as much as we can to make that roof like new again and last as long as we possibly can. And we treat a lot of roofs that have hail damage for whatever reason. Just to make a claim, Many different reasons that rather treat the roof, and what it does is you've got that damage from the hail, but it prevents that damage from spreading like a cancer and making those hits even worse.
SPEAKER 05 :
Okay, so walk us through where, okay, somebody qualifies, which, by the way, everybody listening, Dave, you come out, you look at the roof, you make sure that this, in fact, is something that at the end of the day is going to be an aid. In other words, is the roof good enough to even damage? go through this process in the first place. You verify all of that before doing anything. But let's say that somebody is a good candidate for this. They get all of this done. How does that then work for them on the insurance side moving forward? As far as the... Once it's treated, now we know we've got a really good solid roof over our head and things are quote-unquote up to speed, protected, whatever you want to say. How or will that save anybody money insurance-wise?
SPEAKER 13 :
We're getting close to that. It's very much like when the impact-resistant shingles first came out a year ago. It took a long time for them to understand, hey, this actually works. This helps resist some hail damage. And they started off, interest carriers started offering a discount on a premium. We are getting really close on the corporate level. We actually have multiple lawyers working directly with the heads of these insurance carriers saying, hey, here's what we have. Here's what it can do for you. On top of that, we're starting to get a lot of customers take, when we're done with the treatment, we provide them with a certificate of completion and the warranty sheet. And we get a lot of customers that are sending that to their insurance agents. So it's, they know we're here. And I think it should be very, very soon. They're going to offer discounts for having it done up. I do get asked a lot if an insurance company pays for this, and they do not. It's a maintenance item.
SPEAKER 05 :
Now, this I do know because this is what I do. Even if they don't offer you... you know big discounts because you've had this coating done given the fact that we've done it given the fact that we know we've got better protection than we once had dave my suggestion to save money for everybody listening would be go in there with your agent look at all of your deductibles and what could you change around in raising them knowing that your chances of having to have a full roof replacement are going to be pretty slim anyways at this point yes you're going to do some self-insurance this way but i would suggest you go in and look at if i raise some of these things what kind of a premium savings does that give me and that in turn offsets the cost of doing the maintenance side of things that you're talking about with the roof max product absolutely yeah absolutely and i think there's a lot there's a lot to self-assurance and things and i know i know it's kind of scary because
SPEAKER 13 :
We tend to rely on insurance companies a lot.
SPEAKER 05 :
We do, but let me give an example of that. I had a question this last week from somebody, a drive radio listener, wanted to know they were running towards the end of the warranty on a particular new car they were driving. And the question came in to me, you know, should I buy the extended warranty now that I'm getting to the end of my current warranty? And my immediate answer back was, as long as you're maintaining the vehicle moving forward... Take the money that you would have normally have been spending on said contract, because that's what it is. It's an insurance contract at that point. It's not really an extended warranty because there's no such thing in the aftermarket. You're buying a contract. So take that monthly fee that you would have been paying. Go stick that in an account. Keep doing your maintenance like you should be. Chances are you'll have all that money left over when it's all said and done anyways. But if something does come up, you've got some money set aside. to go ahead and take care of that. Dave, this side of the aisle with the roof wouldn't be any different.
SPEAKER 1 :
100%.
SPEAKER 13 :
You know, and just to that point, when I got my new truck a little over a year ago, they wanted to put an extended warranty year contract on it. And for that, it was going to be like $7,500. And I'm like, I can do a lot with $7,500. That's a lot of money. Yeah, so I just maintained it. You know, I asked you a question yesterday about the best way to use the oil change. So it's... Yes, it's nice to have that peace of mind that's behind you, but that $75 extra on top of the payment I already have on that truck is a lot of money.
SPEAKER 04 :
It is.
SPEAKER 13 :
Plus you're paying interest on that.
SPEAKER 04 :
That's right.
SPEAKER 13 :
So it just doesn't make sense. So you put that aside. Self-insure, you plan for it. Okay, I've probably got two or three years before some of these repairs are going to happen, but the money is sitting there for it.
SPEAKER 05 :
That's right.
SPEAKER 13 :
And I'm not paying interest on it. So there's a lot to be in that personal responsibility and being able to set yourself up in that way to – Very much like health insurance. I don't have a typical health insurance program because it's so expensive. But what I do have is designed for major medical. Right. So my daughter breaks a pinky finger. It costs me $1,200 to get a splint on it, get it set, neck trays and all that. the money set aside for that because I'm not paying astronomical amounts for a standard policy.
SPEAKER 05 :
Well, and what we're saying here, Dave, and you know this, and I talk about this during the week as well, but folks, believe me, this is coming. You might as well learn how to do some of these things. And where I'm going with this, Dave, is You're going to have to do more, quote unquote, you know, management of some of these things where in the past, you know, your your premium was included with your your mortgage each month. You paid that sort of a set it, forget it sort of a thing. And off you go. Reality is those days are gone and you're going to have to do some self-managing of these things to stay ahead of it. That's my point.
SPEAKER 13 :
You just have to start budgeting for things. You know, each line item for a house is kind of setting so much aside a month for lift stuff, for exterior stuff, however you want to do it. But we're not going to have the ability to lean on the insurance company every time it gets held like we've been used to the last 15 years. It's just, that's what's happening.
SPEAKER 05 :
Yeah, I hate to say it, Dave. Those days are ending. In a lot of cases with certain insurance companies, they already have ended and once it starts as you know dave that's just going to become the norm inside of the industry and it won't take long for it to get to that point and we're and believe me these fires to your point are going to accelerate that you know pardon for the pun there but it's going to accelerate those things because it's going to happen faster than probably we would have been seeing otherwise and by the way it's not just what happened with the fires you know we had Some devastating things happened on the East Coast with hurricanes and so on. So, Dave, you take all of that combined, and to your point and what we opened up with, insurance companies are for profit. They're here to give their shareholders a profit when it's all said and done. And they are going to minimize risk any way they can. And if that means they have to adjust to what's in the policy itself, that's what they're going to do.
SPEAKER 13 :
100%. And I can't stress it enough. It is here. It's not going to get better. And I'm really predicting that we're going to, like you said, you're going to have to have a different writer if you want that kind of coverage. But it's going to cost you more money. That's right. And it's just a reality. So anything we can do now to, and again, we're supposed to get replaced because there's just, you know, there is an end to everything.
SPEAKER 05 :
Of course.
SPEAKER 13 :
We can't extend things, you know, for eternity. Yeah.
SPEAKER 05 :
No, you can't, although I will say just, again, personal experience. It's like anything else, though, Dave. It's like an old car. The longer you keep your maintenance up, and that includes even on an old car paint and things like that, Dave, there are still cars running around that have original paint on them that are 30, 40 years old, and depending upon who owned it and how well it was cared for, I'm not saying a roof is going to last that long, but I will tell you what. If you come out annually, do all of the inspections, keep up on the roof max treatments every four to five years, the reality is you could extend the life of that roof probably double of what it would have been otherwise.
SPEAKER 13 :
And real quick, just kind of to that point, let's say we start seeing roofs lose granules, start getting some minor thermal cracking. There's a lot of variables involved, but on average between a seven to eight, nine-year range of age. if we can get that roof treated in that time frame, most roofs in Colorado on average will last about 18 years. Good lifespan. After that, you've got a lot of bare spots, a lot of granular loss, cracking. But if we get in that 8- to 10-year range, even the 12-year range, we can do up to three treatments on that roof over the course of however long. If we can get it soon enough, we can get three in, we can extend that out. There's no reason we can't get you another 20, 25 years of life on that roof pretty stinking easily instead of 18 years. And if we did all three treatments at once, which obviously we cannot, so just a quick example, if we did all three today, that cost to do that is only half of what it costs to replace a roof at today's prices. And you know that's going up as time goes by. I just noticed today that because of the fires, our prices are prematurely jumping next month instead of in May. Yep, they're already getting ahead of it. Yeah, absolutely huge. So I think it's roof vacs. product, the treatment, it's all real savers of Colorado. It's going to be... Yeah, we tripled in size this year. You know that? You've helped me out with that. Because it's very, very important. It's going to be a household thing.
SPEAKER 05 :
Absolutely. So all of you listening, if you need some help on any of this, and don't let the weather bother you as soon as things get a little bit warmed up and the snow starts to melt, Dave can come out and get you taken care of. His number, 303-710-6916. You can also go to our website, fixitradio.com. link there to dave's website as well but dave you know hey i appreciate it i've learned so much from you on all of this stuff that frankly i didn't know you know four or five years ago uh literally it's like anything else education is key that's what we're doing this morning with all the folks that are listening and my whole point with this is is the industry is changing it's not done changing and probably will continue to morph on down the road dave as they keep trying to figure out ways to make things work for for all you know the insurance company and the insured but the days of just having a you know you put a roof up and then give the insurance company 500 bucks or in the old days you didn't give anybody anything because the roofer wasn't honest and he factored all of that into the the cost of the the roof itself um at the end of the day those days are gone dave
SPEAKER 13 :
They are, fortunately or unfortunately, however you look at it, but the reality is here we are, and we have to learn to adapt to it and deal with it. Yep.
SPEAKER 05 :
Hey, really quick, before I let you go, Jeff in Montana's got a question that might apply to you, so let me go ahead and bring Jeff up before I let you go. Jeff, go ahead.
SPEAKER 12 :
Yeah, it was really two comments you guys were talking about insurance. I had two thoughts. First of all... It seems like the insurance companies have done a really, really lousy job of assessing risk. I mean, you know, they should have been seeing this. If you're running a company and you can't tell folks that, hey, you're in a wildfire area, you're really in risk. You know, all the factors have been there for years. That's why State Farm pulled out about two months prior.
SPEAKER 05 :
Yep.
SPEAKER 12 :
Yeah. So, you know, what sort of culpability or, you know, how well are the insurance companies? And then second of all, this is going to give them a lot of clout, too, in terms of determining rates and, you know, telling states what they need to have in terms of risk reduction. So, you know, comments on both sides, how, you know, anything they might have botched and then the future power they have.
SPEAKER 05 :
yep no by the way jeff thank you great great comments and and really dave jeff's just backing up some of what we've been talking about they're going to trust me everybody listening if you think your insurance company because you've been with them for the last you know four decades isn't going to change things because you're some sort of a special customer think again you're a number in an actuary that they look at on a routine basis to jeff's point dave and i don't care how long you've been with them they will still make changes
SPEAKER 13 :
They will. And to that point, what they are doing as well is they're actually even, and they've been doing it more so lately, they're driving through neighborhoods, sending somebody out to drive by an insured, you know, a house that they insure. They get out a pair of binoculars. They do a quick inspection. They don't usually get out of the car. And then they say, okay, we've got a tree too close to the house. You have a tree hanging over your roof. Your roof looks old. And they send out the letters and say you need to take care of this in 30 days or we're going to cancel you. We're dealing with a lot of that, too, with older roofs. And then we're going in. doing the treatment and saying, okay, here's what we did. And we're actually having success getting them to reverse that. But it's a lot of work. And so they're basically telling people you have to replace your roof. Well, who wants to spend $10,000, $12,000, $15,000, $18,000 to replace a roof unexpectedly? And so anything we can do to mitigate the insurance companies getting involved and we start taking care of stuff on our own, the better off we're all going to be.
SPEAKER 05 :
Absolutely. Absolutely. Dave, I appreciate you, man, very much. Thank you. All right, man. Take care. Stay warm. We've got another guest joining us. Bert is going to join us from BP Appraisals. We're going to talk a little bit further on some of this stuff, only getting into some more details of some of what we just covered with Dave. So, guys, hang tight. Fix It Radio, KLZ 560.
SPEAKER 06 :
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SPEAKER 05 :
All right, we are back. Fix-It Radio, KLZ 560. Myself, Steve Horvath, Geno's Auto Service with us. He'll be with me through Drive Radio as well. Burke Payne joining us now. Burke, good morning. How are you, sir?
SPEAKER 04 :
Doing good. Trying to stay warm.
SPEAKER 05 :
Yeah, I think a lot of folks are, which is fine. I wanted to have you on purposely because it's a good day to talk about certain things, not only fire-related like I just did with Dave on the insurance side, but on the appraiser side as well. as well, Burke, because that's what you do. You appraiser for cars and whether we have diminished value, which, by the way, I hate to say it this way because you don't ever want to wish this on anybody, but when things get like they are, weather-wise, accidents, I hate to say this, are bound to happen. You can easily have some diminished value situations when it's all said and done. And reality is that's where you come into play. But what I wanted to start with, though, Burke, is give us some tips when it comes to what we've seen happen in California. I mean, a lot of those people now are kind of reeling back, trying to figure out exactly what's going on. What do they do with the insurance side? Maybe they had things handled on the front side. Maybe they didn't. I was telling people even this last couple of weeks that in regards to you, if you've got some old problems,
SPEAKER 04 :
you know older cars classic cars or even something that is out of the norm or a gun collection or what have you having those things appraised prior to an event like we saw in California to me is very important absolutely the way we look at an appraisal it is a snapshot in time of what that vehicle was at that day that that I or another appraiser went out there and inspected it and you know with you particularly with these fires you know if you had an appraisal done Three years ago, how many of us put parts on our cars between three years and now? You know, I mean, I know Speedway shows up at my door about every other day. But if they don't show up, they call me and say, hey, Payne, you know, we're worried about you. You have ordered this week.
SPEAKER 05 :
Right. And I guess the question I have for you, Burke, when it comes to having classic cars or even out-of-the-norm cars or gun collections and so on, on the insurance side and getting things appraised in that manner, how often should those be updated?
SPEAKER 04 :
It really depends on the market and what you've done to your vehicle. You know, we saw, you know, when the pandemic hit, we saw just the prices went astronomical. They were crazy prices up there. And, you know, but also what have you done to your car? What have you done to your gun collection? You know, what have you added to your gun collection? You know, I think about the poor people in California, you know, and I watched, you know, and saw the garages burned to the ground and the remnants of cars. most likely very beautiful cars sitting there, thinking about, you know, when was the last time they had it appraised? When was the last time they updated their insurance? Us at BP Appraisals, when we come out and do an appraisal, we take that information, and it's stored on a hard drive outside of our facility. So if, you know, God forbid something happens to our facility, we still have it. But then your house burns down, and I've been out there six months ago, You know, God forbid your house burns down. Out there six months ago, you call me up and say, hey, you know, the house burned down. My appraisal was in the safe. The safe burned up. What do I do? No problem. I got you. For five years, we keep that stuff secure and safe.
SPEAKER 05 :
Okay.
SPEAKER 04 :
And we can reprint it.
SPEAKER 05 :
Awesome. And by the way, I think, just personally speaking, I know it might be sooner than the five-year mark, but Burke, I think for most people, if they were to refresh things every, you know, three to five years, probably isn't a, at least a phone call to you saying, hey, we did things, you know. two three years ago i know we got appraisals on everything but just curious you know where are we at now do you think we've had value changes enough that we ought to re-look at things and that's where you would come into play and let them know what you know what you think on that end of things am i right absolutely and that's and that's one of our services you know we talked about last or last time we talked about the the kind of free look at things and that's you call me up say hey you know what's the market look like for my for my chevy 210.
SPEAKER 04 :
You know, and I can say, hey, you know, the market's kind of dropped a little bit lately. You know, what have you done to it? Well, I put a, you know, I put a supercharger motor in it. Okay, well, we might want to upgrade that from the V6 that was originally, you know, it came with. So...
SPEAKER 05 :
Okay. And, you know, and again, in other changes, I mean, maybe you did some interior work. Maybe you did some paint work. Maybe you went from, you know, carburation to, I talked to a guy this last week that was going to put fuel injection on a car, taking the carburetor off. I mean, those are all sorts of things, Burke, that can change value at the end of the day. And then, of course, you know, to your point earlier, the market itself changes. just changes and depending upon the car that you have it could go up it could go down it could stay lateral but the reality is you need somebody that is and and by the way everybody you need somebody professional to look at that because what you see potentially happening at quote unquote you know said auction doesn't necessarily mean that's your car and your value am i right in that burke
SPEAKER 04 :
Absolutely. I get calls all the time. People say, oh, my dad's got a K5 Blazer, just like my dad's go across Mecham for $250,000.
SPEAKER 05 :
No offense, that's probably not like dad's Blazer.
SPEAKER 04 :
No, it's not dad's Blazer. You're talking apples and oranges, not oranges and oranges.
SPEAKER 05 :
Don't get me wrong, Burke, still value there, but it's not a quarter of a million dollar value.
SPEAKER 04 :
100% still value, but the ones going across Mecham are at such a high class. Same thing with Barrett-Jackson.
SPEAKER 05 :
Right.
SPEAKER 04 :
You know, they've been every nut and bolt.
SPEAKER 05 :
Yes, a lot of them are rotisserie done. They've got LS motors in them. You know, they've had all sorts of other things changed, and, you know, it may look, you know, let's face it, Burke, it's frame and shell. Sorry to say, but literally it's frame and shell, and most everything else has been upgraded.
SPEAKER 04 :
Absolutely. Absolutely, 100%.
SPEAKER 05 :
Yeah, not dad's blazer. But again, on the same token, you may run into a situation where you inherit a vehicle like what we're talking about, a dad's blazer or even dad's 1980 short bed Chevy where the average person might look at that and say, oh, there's a $1,500 pickup. Let's go get the neighbor to buy it and off we go. No hold tight. Probably should call Burke first.
SPEAKER 04 :
Absolutely. We have that all the time. We have people that call us for dad's estate or grandpa's estate, and they're like, oh, you know, it's just this car.
SPEAKER 05 :
Right.
SPEAKER 04 :
And then we go out and look at it, and it's not just this car. It's a complete numbers-matching car with, say, 4,000 miles on it. You know, big, huge difference.
SPEAKER 05 :
Huge difference. Absolutely, yeah. Everybody listening, I cannot stress enough. that for a lot of you listening, where maybe you're a car person, maybe you're not. Maybe you're a gun person, maybe you're not. And Burke, we live in a day and age where a lot of us are aging. The baby boomer generation is definitely aging. The estate end of things, as you know, continues to change. People end up with things that they probably never thought existed. They were going to end up with, in some cases, end up with things they probably didn't know mom or dad even had, depending upon what that relationship is like. And because, you know, and even in my family, I mean, these are things that happened to me recently. I mean, you know, you keep tabs on mom and dad, and in our case, live close, and you still see them, and you talk and so on. But no offense, Burke, I'm not going through their personal items on a regular basis. I don't know every little thing they have because, frankly, the way I look at it is it's none of my business.
SPEAKER 04 :
100%. And how many people out there maybe aren't into what dad or mom was into? Exactly. And so they don't know, and they end up donating it to the thrift store. I mean, you think of grandma's China. I mean, I don't know anything about China myself, and that's probably where that China would have went if I would have inherited grandma's China. But Maybe it was worth something, you know, and that's where reaching out to a professional appraiser is important.
SPEAKER 05 :
The other thing that I know you offer as well, for everybody listening, whereby, you know, you specialize in the car and the gun end of things, but to your point a moment ago, there may be an item somebody calls about or it's in addition to the things that they do need done, cars, guns, but maybe there's some other things they need. You may not be able to do it, but you can always refer them to somebody that can, right?
SPEAKER 04 :
Absolutely. Part of the American Society of Appraisers, we have an actual part of our website is a find an appraiser, and I will send people there all the time. In fact, almost on a daily basis, I'll get someone from Yelp or Google to say, hey, I've got a collection of records. Well, I don't know records, so I send them off to the person I know that knows the records the best. Okay.
SPEAKER 05 :
Okay. Question on – let's talk diminished value for a moment. Because, again, as I just said a few minutes ago, and I'm looking out here at, you know, Havana, and reality is, you know, today, Burke, you know, accidents are going to happen. Sorry to say I saw several on my way here even this morning at, you know, 730-ish when I came down. And, you know, you're going to see more of those. And in a lot of cases, there is – there is diminished value in said vehicle. First of all, explain to everybody listening what that is and how you can help them with that.
SPEAKER 04 :
So the best way to think about diminished value is if you go to, you're going to go buy a car and you have a choice between car A that has never been in an accident and car B that has had an accident. You're going to say car B has less value, which it does because it's been in an accident. So that's what we call diminished value. It's worth less than a car that has not been damaged.
SPEAKER 05 :
And really quick, for everybody listening, I want to make sure I explain this as well. Some of you are going to say, well, time out. I thought we lived in a private society where if I had something fixed on my car, that's between me and the collision center. Well, Burke and Steve knows this. We have this little thing today known as Carfax. And the reality is, not only the insurance company, but a lot of the collision centers themselves, when they're doing a significant repair especially, they are definitely going to report that back to Carfax. And it may not give all of the details in Carfax as to what happened, but it will show on that car that there was an accident.
SPEAKER 04 :
Absolutely. And in fact, even law enforcement is, Carfax partners with law enforcement on their traffic accidents, provides them a cheaper accident program to use when they do their accidents, which automatically reduces it.
SPEAKER 05 :
I did not know that. Learning something. Thank you for that. I did not know that. So for those of you that are listening where even sometimes you're going to think, oh, I'll just go run that through on my own. I'll pay the bill. I won't run it through insurance, and nobody will be the wiser. If the police showed up, I guess they are wiser.
SPEAKER 04 :
Well, if the police do an accident report, then it's going to get reported to the state, which then will report it to the insurance company. So, you know, I mean, is there still a chance that you can buy a car that's been damaged that someone's had repaired without it showing up on Carfax? Absolutely, it's possible.
SPEAKER 05 :
But the chances anymore, Burke, it's getting to be... To your point, yes, that's possible. We can talk about that even on Drive Radio here in a little bit, everybody, but... Yes, that chance is there, but it's becoming, to your point, Burke, and what you just said in regards to even the police report, it's getting more and more harder to have that happen, and people really have to work at that. In general, you have an accident. You've run into somebody, or they've ran into you. Not only is there the police report, but typically there's an insurance claim, there's a payout, there's a collision center involved, and so on. And to your point, Burke, that's going to show up. And in that particular case, it's now being reported. And yes, there's diminished value on the car. So in your case, for everybody listening, how do you help them get that money back? Because the insurance company, you know, yours or the others owes you money for that diminished value. How does that work?
SPEAKER 04 :
So basically what happens is we do a pre-loss appraisal. So we look at what the vehicle looked like prior to the loss, meaning prior to the accident. And we determined that, okay, if car A was worth $5,000 before the accident, and the same car with an accident report sells for $3,000, that means there's a $2,000 diminished value. And I'm just throwing numbers out there.
SPEAKER 05 :
Sure, sure, sure. Gotcha.
SPEAKER 04 :
So that's where we come in, and then we write our appraisal saying that the diminished value of this vehicle, if this person were to sell this to a willing buyer and a willing seller, it's going to sell for a diminished value, a lower value than what it would have if it had not been in an accident.
SPEAKER 05 :
Correct. Correct. And for everybody listening, it's really important you do that because, Burke, as you know, unless you're going to keep that car indefinitely, but if you plan on getting rid of that car in the next several years, it is going to come back and bite you because it is going to show up on a car fax. And by the way, Burke, depending upon the vehicle, and I mean this sincerely, it could be the difference in selling or not selling the vehicle. So there definitely is diminished value there.
SPEAKER 04 :
Absolutely. And it can also, you know, I mean, you think about, you know, we're talking about values. If you think about your insurance company saying that your car is worth $4,000, they're going to total it at about 70%. When in reality, is that car maybe $8,000 because of where it actually sits in the market compared to where they're valuing it?
SPEAKER 05 :
Good point. Good point. Good point. Okay, so let everybody know how to get a hold of you if they need something done. Again, I'm not wishing anything on anybody. Hopefully nobody has any accidents or anything through this storm. Although, Burke, it's natural. In the listening audience that we have, I hate to say this, it is going to happen. There's going to be people out there that have some events happen during these next several days, and when that does, they need to get a hold of you. How do they do that?
SPEAKER 04 :
So the best way to get a hold of us is give us a phone call, 720-295-0108. You can also hit us up on our website at bpautoappraisals.com. Remember that you're not obligated to work with me. You give me your vehicle and that, and I will tell you whether I think that the insurance company is undervaluing your car for free. I'm not going to charge you until we actually sit down. Because if I can't...
SPEAKER 05 :
give you a good idea that yeah we're going to get you more money i won't take your job okay so point being and i can't say this enough give him a call before you do anything and and and burke i want to make sure i'm clear on this as well don't listen to the insurance company and the adjusters because what they're going to do is try to get you to sign off on a complete claim and by the way before you take any kind of a final settlement check from the insurance company. And, Burke, this is really important. They need to call you first because once they've signed off and taken that last check, I don't think there's any going back.
SPEAKER 04 :
No, there sure isn't. And, you know, I tell everybody, you know, tell them that you're not accepting anything. Give me a call. If I can help you, I will tell you that and we'll start the process. If I can't, if the insurance company gives you a great offer, I'm going to tell you that. I'm going to say accept that offer right now. Call them up. Tell them you'll take the money right now. But, you know, if it's not, I'm going to tell you that, and we'll start working together. And then you invoke your appraisal clause, and we go from there.
SPEAKER 05 :
Okay. So for all of you listening, please, and I can't stress this enough, if you have any kind of an accident, especially some of these newer cars, because, Burke, you know that that diminished value amount, depending upon the car, the value of, and so on, can be significant. And it's definitely worth a phone call. This is what I always tell people. You want to be made whole. by the insurance company, either yours or the other parties, and at the end of the day, we want to make sure that we've got everything taken care of, and again, that we're made whole, and that's where you come into play and where you can help.
SPEAKER 04 :
Absolutely, you know, and especially with newer cars. I mean, you think about, you know, we just recently did a Jeep Renegade, a 2023 Jeep Renegade. The guy just basically pulled it off the lot, and he got T-boned, and the insurance company offered him an astronomically low-level
SPEAKER 05 :
alone out low value on his vehicle and we're able to get a match for seven grand and he all you have to do with call me and i took care of everything from there we got it done there you go uh... i have one way of company vehicle that we're going to be fighting this on so i will be calling you in the not too distant future as we get a little bit uh... further down the road burke because uh... it's gonna apply same situation so uh... and been by the way for a bit listening you heard what i just said could I do this on my own? Maybe, but Burke, even me, I need something to back up what I think the diminished value is. So I can argue with them all day long, but it's a whole lot easier to argue with them when I've got a nice piece of paper from you saying what that number actually is.
SPEAKER 04 :
Absolutely. That's what we say about appraisals. Appraisals is an opinion of value based on facts. And that's what I present to the insurance company. And I will tell you that Nine times out of ten, when the independent appraiser that the insurance company hires, they call me up and they say, you know what, Burke, your number's good. Let's go with it. Or, you know, hey, $500 less than you. Can we split it in the middle? You know, something like that. And we get these things done, and, you know, by the time – once we get the – The independent appraiser's report, we're done within 72 hours, and our clients are getting a check.
SPEAKER 05 :
Awesome. Burke, I appreciate it very much. Stay warm and safe. We'll have you back, again, to follow up on some of this because this won't be the last snowstorm we have either. For those of you listening, 720-295-0108. You can always go to fixitradio.com and find Burke there as well. But, Burke, thanks for your time, man. I appreciate it very much. Always informative, sir.
SPEAKER 04 :
No, thank you. I appreciate it. You betcha, man.
SPEAKER 05 :
You bet. Have a good one. We're going to take a quick break. Myself and Steve will be right back. Fix It Radio, KLZ 560.
SPEAKER 11 :
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SPEAKER 05 :
All right, we are back. Visit Radio KLZ 560. Don't forget, Drive Radio follows us up on Saturday. On Tuesday, of course, it's Rush to Reason. But a few cold weather tips for a lot of you that are listening. Now, you've seen these. They're publicized all over. And most of this is common sense. But given where we're at with temperatures and, of course, snow and so on. If you have any type of plumbing fixtures, especially sinks and things like that, that are on outside walls of your home. So maybe it's a bathroom, maybe it's a kitchen sink, whatever. It's best when it gets as cold as it is. Especially at night, just open up your cabinet doors. Your temperature is going to come down at night anyways, but open up the cabinet doors. Let some of that air flow into those areas because not that it won't with them shut, but go open your cabinet doors and see how cold it is on an outside wall. And you tell me whether or not it's going to be warmer with them open or closed, and you'll find that it's going to be warmer with them open. just just a little you know tidbit of advice of course by now everybody should have unhooked all of their garden hoses and so on and if you didn't you're probably too late on that but you could still unhook them you'll need a pair of pliers probably to channel locks to probably actually get the hose off now because everything's going to be you know frozen up but you know be careful and most of all just be careful out and about on your house because you know it's going to be slippery, it's going to be so cold here over the next few days that whatever you shovel off, you're not going to get everything off. You're not going to have dry pavement unless you use some sort of a ice melting product, which on homeowners, I'm not a big fan of. I mean, if you're somebody that really is prone for slipping and so on, and you have to use that, then that's a different scenario. But typically those things, because I do this for a living, it's hard on the concrete and it in vegetation and other things along those lines and so you're better off not using that if you can i understand that there are such you know situations and scenarios where you don't have any choice but to use it but if you can avoid using any kind of an ice melt product right now around the house i would do so now something else too that you'll see that gets touted and people spend a lot of money on is pet safe you know ice melt and i will just tell you that in my opinion that's a gimmick because pets are pretty smart unless you got a dumb pet most of them aren't going to eat regular ice melt and things like that anyways and if it's just plain salt well that's not going to hurt them anyway so it's not a big issue so You'll see, you know, pet-safe ice melt products advertised. I would tell you that that's more of a marketing gimmick, and I wouldn't spend any money on any of those things whatsoever. Again, I do some of this for a living outside of what we do regularly here on air, and that's just not a huge factor when it comes to pets, despite what some might want you to believe.
SPEAKER 09 :
What is it that the concrete gets pitted pretty bad, but it doesn't cause as much to asphalt, so it's a different kind of formula?
SPEAKER 05 :
Well, yeah, because the concrete and what it is versus the asphalt being more of an oil product, you are correct. The asphalt is a lot more susceptible. It's a harder product than what the asphalt is. But, yeah, I'm just one where, you know, and this is another one, once things are nice and sunny again and things get cleaned up, well, then get your car cleaned off because that stuff will still drip and the salt that's on the roads will still end up on asphalt. your garage floor or your pavement outside. And the garage mats, I know I talk about those a ton. If you've got those, you're going to be loving them right now because it's going to catch all the stuff coming off the car out in the garage. Any questions, by the way, you can always email us directly. Just go to fixitradio.com. Another hour coming your way, though, folks. Don't go anywhere. Myself, Steve Horvath. This has been Fix It Radio, KLZ 560.
SPEAKER 08 :
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.
The three lives of a Christian: physical, spiritual and eternal. “I will give thanks to You because I am wonderfully made” (Ps 139:14). Physical life is an opportunity to glorify God. Physical life is temporal. It must end because this body won’t work in heaven. The spiritual life, your second life, begins when you accept Jesus Christ as your Savior. “If anyone is born in Christ he is a new creature and the old things are passed away” (2 Cor 5:17). You are born physically alive but spiritually dead. That’s why you need a second life to get to the third life, everlasting life.
Click for Full Transcript https://rhem.pub/three-lives-6b238c
Three Lives and Two Deaths
Transcript of FLOT Line Episode 641 aired on December 17, 2017
Good morning and welcome to The FLOT Line. I'm your host Rick Hughes and for the next few
minutes, please stay with me. It will be a brief time of some motivation, some inspiration, a
whole lot of education, all designed to remind you of Biblical truths and introduce you to an in-
depth way of studying and learning God's Word. My job is to verify and identify God's plan for
your life. Hopefully, you will orient and adjust to the plan. It's up to you. Thank you for listening.
Remember The FLOT Line is all about establishing a main line of resistance in your soul. FLOT
stands for the forward line of troops. We’re talking about learning God's tremendous problem-
solving devices, using these problem-solving devices as the main line of resistance in your soul
so you can stop the outside sources of adversity before they ever become the inside sources of
stress. Adversity is inevitable but stress is optional. Adversity is what circumstances will do to
you. Stress, well that’s what you do to yourself. By learning these tremendous problem-solving
devices you can live a life free of stress. No worries, no fear, no guilt, no doubt, living like this is
the unique Christian life. It's a wonderful way to live and I hope you stick with me and learn all
about these 10 unique problem-solving devices. It’s nothing new, these are age-old Biblical
doctrines that my pastor taught me many years ago. Today we want to talk about something that
is very interesting. We want to talk about three lives and two different deaths. I don't know if
we’ll get to all of it but let's see if we can start with the three lives and two deaths.
The three
lives are physical life, you live a physical life, spiritual life, you have a spiritual life and
eternal life if you are a Christian.
Where does our physical life start? Our parents copulated
and they produced biological life which God gave the soul to at birth. Only God can add the soul.
Man and woman can produce biological life, God adds the soul.
Biological life combined with
soul life is physical life.
We are physically alive. The Old Testament uses four words for the
work of God in creating life.
Bara
is one of the words and it’s used when God brings something
into being by a divine command. For example, God created the universe and the human soul
from nothing. There was no pattern. There was nothing that went before that He duplicated or
replicated.
Creatio ex nihilo
is the Latin term meaning from nothing. The term nothing refers to
God creating everything from nothing. Genesis 1:1,
“In the beginning God created the heavens
and the earth.”
Prior to this moment there was nothing. God didn't make the universe from some
pre-existing building block. He started from scratch and we know this from
bara
the Hebrew
word. In Hebrews 11:3, in the New Testament, we read,
“By faith we understand that the worlds
were framed by the word of God, so that what is seen was not made out of things which are
visible.”
Scholars take this to mean that the universe came into existence by divine command
and it was not assembled from some pre-existing matter or some pre-existing energy, so
bara
is
the first word for creation. Then the second word for creation is
asah,
another Hebrew word, that
means to make. In his book
Creation, Chaos, and Restoration
Pastor R. B. Thieme Jr, former
pastor of Berachah Church in Houston Texas says this, “In some contexts this word
asah
has a
641-Three-Lives-and-Two-Deaths-transcript.pdf
more precise meaning which is to create something according to a pattern when used of the
creation of the atmosphere, the sun, the moon and the stars.
Asah
can describe the restoration of
the planet after the chaos that was found in Genesis 1:2 but more specifically
asah,
the Hebrew
word, describes the origin of the human soul to emphasize its creation based on the pattern of
God's invisible essence.”
You were made in the pattern or the image of God.
This is why
asah
is used here as the word for create. In Genesis 1:26-27,
“Then God said, ‘Let Us make
[here’s the Hebrew word
asah,
creation based on the pattern of God's invisible essence]
man in
Our image, according to Our likeness; and let them rule over the fish of the sea and over the
birds of the sky and over the cattle and over all the earth, and over every creeping thing that
creeps on the earth.’
God created man
[
bara
]
in His own image, in the image of God He created
[bara]
him, male and female he created them.”
The third word for creation is
yasar
and it’s used
for forming something as a potter molds a piece of clay. Isaiah 45:18 uses this word
yasar
to
describe the restoration of the earth after the chaos described in Genesis 1:2.
“For thus says the
Lord who created the heavens. He is the God who formed the earth and made it. He established
it and did not create it a waste place, but He formed it to be inhabited. ‘I am the Lord and there
is none else.’”
We learn that the world was created by God. The world became a wasteland and
then the Spirit of God moved over the face of the world and light came. This is called the Gap
Theory in theological terms. God created the earth and the earth was frozen for many years and
God unfroze it and put man here. This word
yasar
is also used to describe the forming of Adam’s
physical body from the dust or the chemicals of the soil, while the creation of the soul is depicted
by the word
bara
and
asah.
In Genesis 2:7,
“Then the Lord God formed
[
yasar
]
man of dust from
the ground, and breathed into his nostrils the breath of life; and man became a living being.”
The fourth creation verb is the word
bana
and it means to build and it depicts the divine creation
of the woman's body. In Genesis 2:22,
“The Lord God fashioned
[
bana
]
into a woman the rib
which He had taken from the man, and brought her to the man.”
The woman is the creation from
Adam's rib. Thus, God created us by means of human copulation, biological life, and Him giving
the biological life a living soul and we became a physical life, having a body, a soul, and a dead
human spirit. In Psalm 139:14,
“I will give thanks to You for I am fearfully and wonderfully
made. Wonderful are Your works, and my soul knows it very well.”
After God created man and
woman He commissioned them to procreate and to subdue and rule the earth. In Genesis 1:28,
“God blessed them and God said to them, ‘Be fruitful and multiply and fill the earth and subdue
it, and rule over the fish of the sea and over the birds of the sky and over every living thing that
moves on the earth.’”
In essence, man was given custodianship of God's resources which were to
be responsibly developed and expanded for the benefit and the enjoyment of the human race that
would eventually come. In Genesis 1:29-30,
“Then God said, ‘Behold, I have given you every
plant yielding seed that is on the surface of all the earth, and every tree which has fruit yielding
seed; it shall be food for you; and to every beast of the earth and to every bird of the sky and to
everything that moves on the earth which has life, I have given every green plant for food’; and it
was so.”
Our God in His omnipotence and omniscience, all power and all knowledge, He placed
641-Three-Lives-and-Two-Deaths-transcript.pdf
you and He placed me in this temporal life. He gave us a soul. Our parents procreated and
produced biological life, God instilled the soul and we have temporal life.
I say temporal
because we know that human life, physical life, does not go on forever. Our physical life is
an opportunity to glorify God during this stage of the angelic conflict but physical life must
end and will end.
In Hebrews 9:27,
“It is appointed unto men once to die and after this the
judgment.”
There are two deaths. You don't have to die the second death. You will die the
first death, you have to because this body that we live in cannot function in heaven. It's a
sin-infected body. The second death is anyone who hasn’t accepted Jesus Christ as Savior
and is thrown into the Lake of Fire.
Revelation 20:15 says,
“This is the second death and
whoever's name was not found written in the Lamb's Book of Life was cast into the Lake of
Fire.”
We have a physical life. You do, I do, nobody just showed up as a miracle one day. Our
parents copulated, God added the soul and here we are. Now, when does the spiritual life begin?
We know physical life begins at birth but when does the spiritual life begin? In 2 Corinthians
5:17,
“If any man is in Christ he is a new creature
[a new species];
old things are passed away
and behold all things now become new.”
The moment you receive Jesus Christ as your Savior
you are born again, not physically, it’s not a physical birth. It's a spiritual birth. The reason that
you have to be born again spiritually is because the moment you were born physically Adam's
original sin was imputed to you and you died spiritually, simultaneously, at the same time that
you were born physically. Romans 5:12 says,
“For by one man sin entered into the world and
death by sin, and so death has passed upon all men for all have sinned.”
Even though we are
physically alive, we are spiritually dead, unable to have a relationship with God, unable to have
fellowship with God unless we have a new birth.
Without a spiritual life there can be no
fellowship with God. John 4:24 says,
“God is a spirit, and they that worship Him must
worship Him in Spirit and in truth.”
If your human spirit is dead, spiritually dead from Adam's
original sin, how can you have fellowship with God? This is a question that Nicodemus, a
distinguished member of the Jewish Pharisee community, had to get answered and so he sought
out Jesus in his curiosity. He was stunned to learn that in order to go to heaven there had to be a
spiritual rebirth. In John 3:1-20,
“There was a man of the Pharisees named Nicodemus, the same
as the ruler of the Jews. And he came to Jesus by night and he said unto Him, ‘Rabbi,
[he called
Him a teacher]
we know You are a teacher come from God, for no one can do these miracles
You're doing except God be with him.’ Jesus said to him, ‘Most assuredly I say to you, except a
man be born again he cannot see the Kingdom of God.’
[well that was a shock, born again].
Nicodemus said unto Him, ‘How can you be born again when you are old? Is it possible for you
to go a second time into your mother's womb and be born?’ The Lord answered, ‘Most assuredly
I say unto you, except a man be born of water
[that's the physical birth]
and of the Spirit
[that's
the spiritual birth],
he cannot enter into the Kingdom of God. That which is born of the flesh is
flesh, and that which is born of the Spirit is spirit.”
[Nicodemus was quite stunned]
Nicodemus
said unto Him, ‘How could these things be?’ And our Lord said unto him, ‘Are you a master of
the word in Israel and you do not know these things?’
[Then our Lord explained it in verses 14
641-Three-Lives-and-Two-Deaths-transcript.pdf
through 17]
‘As Moses lifted up the serpent in the wilderness, even so must the Son of Man be
lifted up.
[Moses lifting up the serpent in the wilderness is found in Numbers 21:9. We don't have
time to go read it but it was a way for those bitten by a snake to be healed.]
So that whoever
believes in Him should not perish but have eternal life. For God so loved the world that He gave
His uniquely born Son, that whoever believes in Him should not perish but have eternal life. For
God did not send His Son into the world to condemn the world but that the world through Him
might be saved. And he that believes in Him is not condemned but he that believes not is
condemned already because he hath not believed in the name of the uniquely born Son of God.’”
These are the words of our Lord and our Savior, the anointed Son of God, Jesus Christ. Did you
hear what He said?
“Whoever believes in Him will not perish but have eternal life.”
This is the
third life.
Then He went on to say the reason,
“God loved the world so much that He sacrificed
His uniquely born Son and whoever believes in Him
[there's the word again]
will not perish but
have have everlasting life.
[Then to clarify it He said]
God did not send His Son into the world to
condemn the world, but that the world by means of Him could be saved
[and then He simply
repeats it again].
He that believes on Him is not condemned but he that believes not is
condemned already because he hath not believed in the name of the uniquely born Son of God.”
Anyone who hasn't received Jesus Christ as Savior, if they are old enough to understand this
issue, is already under the condemnation of God and the Lake of Fire. They are because they
have rejected the forgiveness that God offers through the sacrificial death of Christ our Lord. The
question that has to be asked is this, have you been born again? Have you? Joining the church is
not being born again, that’s not a spiritual birth. People that get born again often join the church
but this is not how you get born again. Being a good guy is not being born again. Following
some church required mandates is not being born again.
Ephesians 2:8-9 is very clear about it.
“For by grace are you saved through faith and that not of yourselves, it is a gift from God not
of works lest any man should boast.”
Without a spiritual birth there can be no spiritual life.
Are you walking around alive physically and dead spiritually unable to have fellowship with
God? This may be why your prayers are not answered. This might be why you’re having a hard
time in life as a disadvantaged person because you don't have the advantage of knowing the
Father, knowing His Word, or having the indwelling of God the Holy Spirit. You may be
religious but you might not have the relationship. Jesus warned when He said,
“Many will say to
Me in that day, ‘Lord, Lord, did I not prophesy in Your name and in Your name did I not do many
wonderful works?’”
And He said,
“I will tell them, I never knew you”
(Matthew 7:22-23). It is
possible to be very religious and to be lost. The Pharisees were demonstrated proof of this. They
were lost in their sin and trespasses and they were the most religious people in all of Judea.
Without a spiritual birth there is no spiritual life. Do you remember your spiritual birth? Do you
remember when you received Jesus Christ as your Savior? Is there a day in your life when you
asked Him to save you? Romans 10:13 says,
“Whosoever shall call upon the name of the Lord
shall be saved.”
Why don’t you settle this issue? Why don’t you pray and ask God to save you?
Why don’t you pray and tell the Father the you believe Jesus Christ is His Son and you are
641-Three-Lives-and-Two-Deaths-transcript.pdf
willing to receive Christ as your Savior? It’s a simple act of faith. This is what Ephesians says,
“For by grace are you saved through faith, it's a gift from God.”
You can’t earn it, you can't buy
it, you don't deserve it. It's a free gift and it begins with you receiving Jesus Christ as your
Savior.
Now every newborn Christian starts out as a baby believer. 1 Peter 2:2 says,
“As
newborn babies desire the pure milk of the Word so that by it you may grow in respect to your
salvation.”
In 1 Corinthians 3:2 Paul wrote,
“I gave you milk, not solid food for you are not yet
ready for the solid food”
In other words they couldn't concentrate for long periods of time, they
were easily distracted. In 2 Peter 3:18 we have a divine mandate
“Grow in the grace and the
knowledge of our Lord and Savior Jesus Christ. All glory to Him both now and forever.”
We
must grow in our spiritual life. When we are born we are born babes in Christ, spiritual babies on
the bottle, the milk. We learn the Word of God, the basic principles, and then we advance to the
steak or the harder doctrines to learn and understand.
We are mandated to grow, we must
“Grow in the grace and the knowledge of our Lord and Savior Jesus Christ.”
Whoever wrote
the book of Hebrews talked about these new believers who don't grow. This is what he said in
Hebrews 5:11-14.
“We have many things to say and they are hard to be uttered since you’re dull
of hearing. For the time you ought to be a teacher, you now have need that one teach you again
which be the first principles of the oracles of God and you have become such as have need of
milk and not strong meat. For everyone that uses milk is unskillful in the word of righteousness
[he’s a baby],
but strong meat belongs to them that are full of age, even those who by reason of
use have their senses exercised to discern both good and evil.”
The worst possible thing for you
to be is a born-again believer who's been saved for 10 years, 20 years, and still be sucking on that
bottle, still be a baby. You haven't grown. You haven't learned. You should be teaching others but
you're not. There's only one way to fulfill the mandate of
“Grow in the grace and knowledge of
your Lord and Savior Jesus Christ”
and that’s to sit under a well-qualified pastor that God
supplies. Ephesians 4:11 talks about this spiritual gift that He gives.
The objective of the pastor
is to teach you God's Word and as you are filled with the Holy Spirit, the Holy Spirit will
guide you into all truth.
He will take what the pastor teaches you, plant it in your soul, nourish
it, and it will grow. Lack of spiritual growth results in many right things being done in a wrong
way. Religious people, maybe they are saved, maybe they have accepted Christ as their Savior,
but they haven't grown. They haven't gotten past the salvation doctrines. They haven't gone past
believing in the Lord Jesus Christ. They haven't even learned how to be consistently filled with
the Holy Spirit. They haven't learned the essence of God which is sovereignty, righteousness,
justice, love, eternal life, immutability, veracity, omnipotence, omniscience, and omnipresence. I
know, that’s a lot of big words of things you should know.
How can you love God if you don't
know Him?
If we don't do the right thing in the right way then we produce human good. Human
good is opposed to divine good. Human good is energy of the flesh and divine good comes from
the filling of the Holy Spirit. If you're a Christian and you're not filled with the Holy Spirit, you
don’t even know how to be filled with the Holy Spirit, then all of your good works could
possibly be what 1 Corinthians 3:12-13 describes as
“wood, hay and stubble”
and it will all be
641-Three-Lives-and-Two-Deaths-transcript.pdf
burned up at the Judgment Seat of Christ once the evaluation is made. Your foundation is solid.
You will go to heaven. You will be there but you will be there minus any rewards because
you never took time to learn the protocol plan of God.
The spiritual life that our Lord and
Savior Jesus Christ gave us is called an abundant life and our Lord spoke about it in John 10:10.
He said,
“The thief comes only to steal and kill and destroy but I came that you may have life and
have it abundantly.”
Having an abundant life means having a divine advantage over those in the
cosmic system. Your happiness will overflow, you will have peace and contentment, and your
life is fulfilling and it all starts with knowing wisdom and receiving instruction which leads to
understanding and discernment.
Proverbs 2:10,
“When wisdom enters your heart and
knowledge is pleasant to your soul, discretion will preserve you and understanding will keep
you.”
Wisdom, knowledge, discretion and understanding, these are the four fantastic things
in the mature believer's life that garrison his soul and give him the advantage.
The ability to
have an advantage over anyone else in the world, the divine advantage of knowing Jesus Christ,
knowing God's Word, being filled with the Holy Spirit, being able to understand who the enemy
is, what the tactics of the enemy are, and being able to replicate the life of Jesus Christ as you
represent Him in a lost and dying world. I hope this is making sense and I hope you're listening.
There's more to say and I hope you'll come back next week, same time, same place. Until then
this is your host Rick Hughes saying thank you for listening to The FLOT Line
Join Bruce Simmons as he navigates the financial intricacies of reverse mortgages, debunking common myths and providing expert insights into how reverse mortgages can be leveraged to protect long-term investments in your home. This episode highlights the pressing issue of housing insecurity among seniors, exploring the impact of economic shifts and the role of a HECM in offering a reliable financial safety net. With expert advice and practical examples, listeners will gain a comprehensive understanding of how to utilize reverse mortgages to ensure financial stability and asset protection during retirement years.
SPEAKER 01 :
Welcome to Reverse Mortgage Radio, hosted by Legends' very own reverse mortgage professor, Bruce Simmons. You have so many options with a reverse mortgage, everyone has a different opinion, and the government keeps changing the rules. You need to hear from the first certified reverse mortgage professional in Colorado to specialize exclusively in reverse mortgages, one of few in the state with the letter CRMP after his name. Bruce has the specific training and education you need to understand what you're buying. Now, here's your host, Bruce Simmons.
SPEAKER 02 :
Hello and welcome to Reverse Mortgage Radio on this cold and snowy day. Of course, if you're listening to a replay of this, it may not be cold and snowy, but today... As of Saturday, whatever day, it is cold and snowy. I hope you're staying warm. Obviously, you must be if you're listening to the radio. You probably wouldn't be listening to the radio if you were out shivering in the cold or shoveling snow or something. But today, what we're going to talk about is a video from an industry professional that is a friend of mine, and he put out a video called Homeownership, a Dream Turn Nightmare for American Seniors. In the video, he talks about the cost of housing and how just maintaining your house and utilities and taxes and insurance is rising so much for so many people. And even if they don't have a mortgage on their home at all, they're losing their home to taxes and insurance and such. And I'm going to have a link, by the way, too. If you go to my website next week, it'll be posted on my website next week at reversemortgageradio.net. I'll have this radio show posted there along with a link to the video so you could watch it for yourself. But in the video, the person who did the video, his name is Shannon Hicks, and he's with HecumWorld.com, H-E-C-M World.com. It was from, I think, January 10th, just last week. He starts out the video saying, America is facing a housing affordability crisis that is sidelining countless would-be homebuyers. But there's another affordability crisis, one that threatens millions of older homeowners with the loss of their homes, even if they've fully paid it off. Then he goes into this story. He says, imagine you've retired with a modest nest egg. Your home is paid off and life has been generally smooth for over a decade. Then tragedy strikes. Your spouse passes away and that reduces your household social security income at the same time. your investments take a hit in the market, and your homeowner's insurance and property taxes both have nearly doubled. With dwindling retirement savings, suddenly you're staring down at the possibility of losing the home that you worked so hard to pay off. A recent study from Bankrate found that the hidden cost of owning and maintaining a single-family home in the U.S. now averages over $18,000 a year for property taxes, insurance, maintenance, and utility costs. That doesn't even count – this is me talking now – that doesn't even account for homeowners association that so many people have these days. Just imagine if it was $250 a month for homeowners insurance. That's another $3,000 a year. That's steep stuff. And property tax foreclosure stories. Now we're back to the video. He says property tax foreclosure stories are increasingly common in the media. The Washington Post actually did a series of articles back in 2013 about Washington, D.C. residents, many of them elderly, low income and black who had lost their homes over tax debts as low as one hundred and thirty four dollars. $134. Talk about an abusive government stealing one's accumulated home equity and making them homeless. Thankfully, not all municipalities are this heartless when collecting property taxes. And just as a quick side note, this is me again. Last year in 2024, I vividly remember speaking with three different potential customers who were all facing foreclosure due to delinquent taxes. They all own their home free and clear. Like I've said before, you always have to pay the man, right? You have to pay the taxes and insurance on your home, no matter if you have a reverse mortgage or not. You can own it free and clear, and you can still lose your home. Now, the sad thing with all three of these people, I think one was a hoarder. I didn't see his house, but I got the impression from him. He kept stalling and stalling, and that's one thing that a lot of people do when they're facing problems. I find whether they have a mortgage payment or just taxes like this is they keep stalling because they don't want to face it. And if you're behind on your taxes, you have to face it. One person, one lady, she contacted me like two days before the sale of her home. There's nothing anybody can do within two days of the sale of the home. And she hadn't paid taxes for close to 15 years before. Since 2009, she hadn't paid taxes on her home. I think she owed about $20,000 on her taxes, but she owed her home free and clear. Other than that, and just the stalling that people had, they just didn't want to do something. And part of it is articles, negative articles about reverse mortgages. They think, well, this is bad. I'm going to figure it out some other way other than a reverse mortgage. And the reverse mortgage can help a lot of people in that situation. Not everybody, but a lot of people we can help out in that situation if you're behind on taxes or other debts for that matter, even your mortgage payment. You just have to have enough equity in your home. That's a key thing. And There needs to be a reason why, you know, what happened to cause you to fall behind on your property taxes if you own the home free and clear. Why haven't you been paying them? So things like that, but that's very important. And by the way, too, I think now is a good time to tell you if you do have any questions about reverse mortgages. If you're behind on some bills and you've got a lot of equity in your home because a reverse mortgage, unfortunately, requires a lot of equity right now, you can call me directly at 303- 303-467-7821. That's my direct line, 303-467-7821. Give me a call. I'd love to talk to you about your particular situation. Let's see if we can figure something out for you. Maybe we can, maybe we can't, but you don't know if you don't call, right? Don't just hope and pray that you're going to win the that ain't happening. And odds are you're not going to have a rich relative die and leave you a fortune either, most likely. So you got to keep those things in mind and be real. You're living in the real world. You can also visit me online, like I mentioned earlier, at reversemortgageradio.net. Reversemortgageradio.net is my website. You can go on there, download my free consumer guide, a 40-some page guide. booklet about reverse mortgages. It'll answer 90% of your questions probably. You can also even fill out an application. Well, it's not a full application, but fill out information online and get a free quote at that time. So you put in your information. It'll tell you how much money you qualify for. And if you want, you can add more information and then I'll call you and confirm everything that we have and I'll rework the numbers. And usually the numbers that I work up are a little bit better than what my website offers. I just have to be safe in, in the fact that I don't want to over promise and under deliver. I'd rather under promise and over deliver on my website. That's kind of my philosophy on that, but a reverse mortgage in a nutshell is, is an FHA-insured loan that's specifically designed for people who are 62 and over. It allows you to convert a portion of the value of your home into money that you can spend any way you want. You have to pay off any existing mortgage first. If you have a mortgage on your home, some kind of loan, HELOC, whatever, it has to be paid off. All debts have to be paid off on your home first. So what we do is, let's say we qualify you for a $200,000 reverse mortgage. You have a $120,000 mortgage. forward or conventional mortgage or HELOC, whatever. And let's say you have, well, let's say you have $120,000 on a first mortgage and $30,000 on a HELOC. So you owe $150,000. That $150,000 has to be paid off first out of the $200,000. You don't have to pay it off yourself. We pay it off with loan proceeds from the reverse mortgage. So the first $150,000 out of the $200,000 you qualify for goes to paying off the existing debts on the home. Then the other $50,000 is available to you on the reverse mortgage. And that could be as in the form of a lump sum. There's restrictions on the lump sum. how much you could take in the first 12 months of the loan. And we could talk about that. But you could also set up a line of credit. You could even convert that into a monthly payment for you if you wanted. It wouldn't be a lot. It depends on how you want to receive it because you can receive the monthly payment guaranteed as long as you live in the home. Now, if there's only $50,000 left over, it might only be $150 a month in that situation. But let's say you're trying to delay Social Security for three years. And you say, well, I just need... $3,000 a month for three years. Well, we could probably do something like that with $50,000. $3,000 a month. Well, no, we couldn't because $3,000 a month for 12 months is $36,000. So we could probably do it for in the range of two years or a little less. So there's different ways you could do it. You could do a combination. You could take some as a lump sum and leave some as a line of credit. Most people in that situation – do leave it as a line of credit. And the nice thing is that money is available to you in case of emergencies or you need a new vehicle, whatever the case may be. But one of the benefits of having the line of credit is that it grows over time. Now, with a reverse mortgage, just like if you own your home free and clear, you do have to pay your property taxes and insurance. You have to maintain the home. And keep your name on title and live there as your primary residence. Those are the primary things you have to do if you have a reverse mortgage. We do have to qualify you income and credit wise. But obviously, if you're behind on your mortgage, your credit is not going to be great. That does not necessarily disqualify you. We need to call. You need to give me a call and we can talk about it. It's possible that we might be able to help you out. No guarantees, obviously, on the radio without even knowing your situation. But once you call me, I'll let you know pretty quickly if we can help you out or not or if it's a possible way to help you out. So please, you can give me a call at 303-467-7821. 303-467-7821. And I'd be very, very happy to talk to you about your specific situation. get your questions answered about reverse mortgages. Now let's get back to the article we're talking, or excuse me, the video. We're talking about a video that is on heckumworld.com. It's also on YouTube as well. It's by Shannon Hicks, who's the owner and founder of Heckum World, H-E-C-M. The reason it's called that is because a heckum a home equity conversion mortgage. That's what it means, HECM. We pronounce it as HECM in the industry. But that's the FHA's name for their reverse mortgage program. There are also non-FHA insured reverse mortgage programs, but that's a completely different topic for another day. We'll touch on that again here at some point this year. I usually try to address the proprietary reverse mortgages, which are non-FHA reverse mortgages, once or twice a year to give you an update on what those are doing. But in the video, he goes on, he says, Unfortunately, this leaves many seniors facing homelessness during their most vulnerable years. In such a scenario, sadly, is not uncommon, which is being further complicated by chronic illness. Of course, now this is me again. you combine chronic illness with financial problems and you're in deep doo-doo, unfortunately. But like he says, these factors have created a pandemic of housing insecurity for older Americans and it's the unspoken crisis, is what he says. Then what he does, too, is he quotes an article that is, well, a study or a discussion, I guess, that was printed up. The title of the article is called Understanding and Addressing the Housing Needs of Older Adults, and I found it on www.huduser.gov. The article says, the housing needs of seniors are characterized in part by low income and higher costs, including cost of health care. Peyton Whitney and Samantha Sheckler of the Joint Center for Housing Studies at Harvard University presented findings from a research paper co-authored with Jennifer Malinsky. Older adults struggle to meet the dual burden of housing and care. That explores the impact of complications associated with aging on senior households' ability to afford housing. Whitney noted that nearly 70% of adults age 65 and older will need to purchase long-term care services at some point in their lives, yet their ability to purchase this care is constrained by the high cost and limited public assistance. The authors analyzed 9.9 million households with individuals over age 75 to estimate older adults' current ability to afford housing and daily long-term care services, identified disparities, and considered opportunities for improvement. Their analysis found that only 24% of older adults earned enough income to pay for housing, living expenses, and daily long-term care services, which cost $67,000 per year at medium for a population with a median annual income of $40,000. Shortfalls were even more pronounced among individuals with functional disabilities and households of color, particularly Black and Hispanic individuals who are more likely to experience functional difficulties at younger ages. Now, I want to address this real quick because I know you might say, hey, lucky for me, I've worked hard and saved a lot. We have a tidy little nest egg and long-term care insurance. We're good, right? Well, are you? Really? This is where the HECM line of credit can be so beneficial. what happens is basically if you own your home free and clear, you've got a couple hundred thousand in the bank and you've got long-term care insurance. Well, that long-term care insurance gets more expensive, as you know, every year as you age. especially when you get up into your mid-60s and late-60s and 70s. Then it gets real expensive. That's going to drain your other assets just to make that payment. I just recently closed a loan for somebody who's in a very good situation. He actually still works at 68 because he loves his job. He makes a great income. He's not pulling Social Security yet because he's waiting until he's 70. He's probably going to work beyond 70 because he loves his job so much. But he used the reverse mortgage to pay off an existing loan on his home and set up a nice-sized line of credit. And he's debating. He's like, well, I don't know. I may just use the line of credit as my long-term care policy, which is a possibility. Because the way reverse mortgages work with the line of credit, this is one of the – biggest benefits of reverse mortgages. This is why I plan to do a reverse mortgage when I retire is, well, even before I retire, I'm going to do a reverse mortgage and have a line of credit that I know is going to grow over time. And it grows automatically. It doesn't matter what the value of your home does. It does matter what interest rates do a little bit because the growth on the line of credit is equal to a half percent greater than then the interest you're charged on the loan. For example, let's say your interest rate is 6.5%, that you're being charged on any money you've actually taken from the reverse mortgage. See, the way the reverse mortgage works is no payment is required on that loan. However, you're still charged interest every month, interest and mortgage insurance, in fact. So those charges get added to your loan balance. Your loan balance grows over time. However, if you have a line of credit as well, that line of credit grows at a half a percent greater than the interest rate you're charged. If you charge 6.5% interest on the loan balance, your line of credit is growing at 7%. Let's say you've got $100,000 in your line of credit. A year from now, roughly, you're going to have $107,000. And because of compounding, in 10 years, you're going to have close to $200,000. Now, that may not be enough to cover you for a decade of long-term care insurance or long-term care. But let's say you start off, you own your home free and clear right now. You've got a $600,000 home. You might be able to get a $200,000 to $150,000 home, depending upon your age. you get a $200,000, $250,000 reverse mortgage on that home, that could double in 10 years. Let's say you're 72 years old. Now you get to 82, that $250,000 is now $500,000, roughly speaking, on average. Now, obviously, if rates drop real low and the growth rate on that line of credit is only 3.5%, then you're not going to double the money in that year. But if the interest rates go up and the growth rate on the line of credit is 10%, it's going to double a lot quicker than 10 years. This is one of the beauties of reverse mortgages is having that line of credit available. And also having it accessible for emergencies. You don't have to tie that money up. You don't have to put it in an annuity that you can only tap 10% every year. After the first year, there are zero restrictions on drawing money from the line of credit. By the way, if you did just tune in, you are listening to Reverse Mortgage Radio. My name is Bruce Simmons. You can contact me directly at 303-467-7821. 303-467-7821. That's my direct line. I'm the Reverse Mortgage Manager for American Liberty Mortgage here in Denver. American Liberty Mortgage has been around since 2003, which just coincidentally is the same year that I began originating reverse mortgages. I went to work for them, though, in 2011. So I've been there now going on 14 years. It's a fantastic company, super rating and Better Business Bureau, all that blah, blah stuff. But you want to deal with a local company that you understand if you're going to get a reverse mortgage, that you know and you've done research on. You can contact the Better Business Bureau. You know that I live in Westminster, Colorado, so I'm in the area as well. I do loans up and down the front range everywhere from... I think Red Feather Lakes, Greeley, Fort Collins, Loveland, Longmont, Boulder, Denver, Castle Rock, Colorado Springs, Pueblo, wherever, all along the Front Range, mostly. Although I've gone out to Burlington, or is it Burlington? I think it's Burlington, way out on the eastern plains. I've gone up to Montrose, all over the state as well. I don't like doing that in the winter, but... Now that we've got electronic signatures, I don't necessarily have to do that all the time. However, I still like to meet with you in person as often as possible. So if you call me and you say, hey, Bruce, I want to talk to you about a reverse mortgage. And it looks like it might be beneficial for you. I'll work up some numbers and then I like to come out. and talk with you. And I look at your home too. You say, hey, I've got this issue with my house. I'm not sure if it's going to meet FHA guidelines. I can come out and take a look at it. I'm pretty knowledgeable about that. I'm not an appraiser, but I can also pull data from the multiple, not multiple listing, but just from the county record sales and things. My title company has a website that's really beneficial for that. Pulling up Sales that I could check square footage on to compare it to yours and the condition of it. I could look at realtor notes sometimes, not every time, but a lot to get an idea, a closer idea what the actual value of your home is. Sometimes people say, hey, my home's worth 800 grand. I say, well, I'll look at this and say, you know what? I understand maybe you think it is, but unfortunately, it's probably closer between $650 and $700. And sometimes people don't like to hear that. They say, okay, never mind. But most of the time, people are appreciative of it because they want to be aware of what the actual value is. Some other times they'll say, well, you don't understand because I've got this special thing and that special thing. Anyways, and sometimes we just have to let the appraiser Say what it is, you know, and we can challenge appraisals too. If it's a bad appraisal, we can challenge it. If you don't like some comments the appraiser made, that's not going to make any difference on the actual value. And actually, I should get an appraiser on sometime as a guest. I'll have to see if I could do that in the future. But either way, I'm kind of off topic here. The bottom line is that a reverse mortgage can help you. We're talking about people in need on this program today. In the past, I've talked about people who are very well off who get reverse mortgages. I'm not really going to need a reverse mortgage when I retire, but I'm going to get one. I'm going to get one to buy a home. Right now I'm in a multi-level home and it's not where I want to retire. I'm going to end up moving into a single level home and I'm going to do a reverse for purchase. And then I'm going to overpay the amount of money that I have to bring to closing, which will create a line of credit. If you're thinking about moving, downsizing, whatever, please talk to me about this because I just got a call today from a real estate agent who said, yeah, my clients are getting a house built and they could bring about 75% down, but then they're going to have to get a loan for the difference. And they're going to say, well, they might have to get a part-time job. They're in their 70s. They might have to get a part-time job to make the payment. And he said, you know, I thought about this. I thought maybe they should talk to you, Bruce, about a reverse mortgage. I said, you think? Of course they should talk to me because a reverse mortgage can certainly help somebody in that situation. You should not have to work if you don't want to when you're at that stage of your life. Keep that in mind. So a reverse mortgage is just a very flexible tool that can provide a lot of benefits for you in the form of peace of mind. That's really what it boils down to. A reverse mortgage should be peace of mind. If it's not for you, if you've got a reverse mortgage, you say, oh, yeah, this is anything but a peace of mind. Well, then you probably shouldn't have had it to begin with, and you probably shouldn't were not explained properly. Because when I meet with people, I always make sure that I go through exactly how the loan works. That's why I like to meet with you in person. I show you the numbers in your specific situation. Okay, this is how much your loan balance is today. We're going to pay it off. These are the closing costs. In black and white, I say here, line by line, I go through. This is the mortgage insurance. This is the origination fee. This is the appraisal, title insurance, credit report. recording fees, all that stuff. And you can see all the numbers. And then I say, and then that gets added to your loan balance. We're paying off your mortgage of $120,000 and your HELOC, your home equity line of credit of $30,000. That's $150,000 plus these closing costs. And this is the new balance. So this is the amount you owe on the loan. And this is the amount of interest you're charged, assuming the interest rate stays the same, because I don't know what's going to happen with interest rates. Honestly, don't count on rates coming down. I think they're going to bounce around a little bit this year. They're not going to drop in any kind of significant way. And I always tell people, if you qualify for enough to pay off your mortgage today, and maybe your line of credit is only $20,000 when you were hoping for $120,000, Look to do it anyway. You know, there's a saying in the forward world. Marry the home, date the rate. That's what people say, because you can refinance. And with a reverse mortgage, most of these reverse mortgages, the interest rate is adjustable. So your interest rate's gonna come down. The reason people refinance reverse mortgages is to gain access to additional equity in their home. If the interest rates do come down, which I don't think is gonna happen this year, but I've been proven wrong before, But if the rates do come down, you can refinance your reverse mortgage, or you might be able to refinance your reverse mortgage and get additional cash. Because if rates come down, I think values are going to increase. So now, because the amount we can loan is based on the interest rate, if the interest rates come down, we can loan you a higher percentage. So maybe today we can only loan you 35% of the value. But if rates come down, now we can loan you 42% of the value. But now your home value has gone from $600,000 to $700,000. Now we're basing a loan amount of 42% of the value of your home on a $700,000 home instead of when we originated the loan and we were basing a 35% loan to value on a $600,000 home. And so we could get you more money, possibly. So just get out from under that mortgage payment. If you're retired and you're making a mortgage payment, there's a way out. Please call me. My number is 303-467-7821. My name is Bruce Simmons. I'm the reverse mortgage manager with American Liberty Mortgage here in Denver, 303-467-7821. Or visit me online as well. And if you just tuned in, you can hear the entire podcast on my website next week. We'll have it up next week at ReverseMortgageRadio.net. ReverseMortgageRadio.net. And you can also go check out the article or the video from Shannon Hicks with Heckum World called Homeownership, A Dream Turned Nightmare for American Seniors. I'll have that linked on my website as well. Thanks so much for listening to me. Hope you're staying warm. And enjoy the day.
SPEAKER 01 :
Call Bruce Simmons today. Ask about his free Colorado Consumer Guide, 303-467-7821 or reversemortgageradio.net. Bruce will come to you anywhere across the front range to make sure you understand how reverse mortgages work. Regulated by DORA, NMLS number 409914.
Find out more at https://ready-radio.com
SPEAKER 07 :
This is Ready Radio, preparing you to be ready for anything, now. Here's your survival guide for Ready Radio, John Rush. All right, it is that time. Ready Radio, KLZ 560. Appreciate you all listening. Live program today on January the 17th. Big winter storm coming in. We'll talk about some of that as well, but I got a special guest joining me today, Bill Anderson joining me. Bill, welcome. How are you? Good. How are you doing? I'm doing very well. Appreciate you joining us. And for those of you listening, you've probably heard Bill in the past on some of my other programs and things that we have done. But Bill's a U.S. Army veteran, senior pastor of a church here locally, master electrician, master mechanical HVAC tech. What else should I go on? You're a mega black belt as well. Where should I stop, Bill?
SPEAKER 10 :
That's Krav Maga. Omega, you might get me in trouble there, John.
SPEAKER 07 :
Level four defense strategy instructor. You're also a bleed instructor with the American Heart Association, and you've just recently also become a Colorado Certified Firearms Instructor. Is that correct also?
SPEAKER 10 :
Yeah, the new law coming into effect in July. That they passed, you know, all instructors have to be certified and vetted by the state. We have to teach their curriculum, making sure all the new laws and stuff are taught in our classes, mandatory classroom and range time. With tests, eight hours, and then also, too, after July, if your permit expires, you can't just auto-renew anymore. You have to go take a renewal class, and so I'm certified to teach both of those.
SPEAKER 07 :
Okay, perfect. And in the coming weeks, guys, we'll get into more of that and Bill's... How should I say this, Bill? You're going to do, already have done, and I should highlight that, but you've got some seminars coming up that we'll talk about. You've also got a website, YouTube channel, all those different things. We're going to be discussing more and more of those in the weeks ahead. Bill's going to be more involved in what we're doing here on a routine basis. And Bill, I appreciate that very much. Before we continue, though, talk about the seminar you've got coming up.
SPEAKER 10 :
Yeah, so on the 25th, we have an AHA, which is American Heart Association, BLF, which stands for basic life support. And it's for the health care provider. So if you work in health care, you are mandatory to take these classes. And so we are certified to teach them. We have that coming up. And then we combine that with a stop the bleed trauma. So we talk about chest seals, you know, tourniquets and all those things. And we actually have hands on practical training with all of this. You know, John, and we talk about, you know, I teach firearms. I teach self-defense. You know, and everybody wants to learn the cool stuff. They want to learn how to defend against a gun, a knife, a stick. But, you know, we train on probabilities, and you're probably more likely to encounter a first aid or even maybe even a cardiac arrest. According to the AHA, every 90 seconds somebody has a cardiac arrest. These are probably more essential skills. You're probably going to encounter needing to use those before you need to defend against a knife or a stick. Statistically speaking, it's probably not going to happen. You're probably not going to get attacked with a gun or a knife. You're more likely to get sucker punched or robbed or mugged or something like that. But, um, healthcare is very important, right? We got to take care of ourselves and healthcare.
SPEAKER 07 :
Yeah.
SPEAKER 10 :
We have to be our own first responder.
SPEAKER 07 :
That's where I do a thing. And, and, you know, I haven't talked much about this and maybe we'll get this into getting into this in some future shows as well. But the, the, um, carjacking end of things, Bill, continues to be on the rise. I watched a video last night, not here locally, thankfully, but, you know, it's becoming a bigger deal across the country, and that's something else that we may want to get into here at some point, to your point, when it comes to self-defense.
SPEAKER 10 :
Yeah, actually, in February, out at the church, we do all of our training out at the church, by the way, we're doing a home invasion carjacking seminar. And so that's a class all on that. So it's a full day class and we're going to, we're going to do some mock-up stuff, you know, mock-up home scenarios. And that's what the last level four of integrated offense strategy, it's fighting grappling with concealed carry. But that was the last course that I took was family protection and, you know, vehicle defense, armed vehicle defense, which is quite eyeopening. You know, you, you got to train this stuff. You can't just watch a video and, And then you suffer from the Dunning-Kruger effect, which you have a little bit of knowledge and you think you're an expert, you know, and you're in trouble.
SPEAKER 07 :
Exactly. And, you know, one of the things, too, and I had it in my notes today, we'll go over some of this as well. But, you know, practice, practice, practice, you know, all the things that I've talked about on this show now for several years. And, Bill, you've listened to some of the programs. Reality is we can do all of the, quote, unquote, preparedness stuff. stuff we want, but unless you're able to put it into practice and understand what you're doing, and on that given day where something might actually come up, can you actually deliver?
SPEAKER 10 :
Absolutely, and that's what we preach over and over. All these things are perishable skills. And by the way, John, going down to a range and shooting a piece of paper, it's not realistic. I'm sorry, but it does a little bit of good, but it doesn't picture, a realistic picture.
SPEAKER 07 :
Bill, I've experienced that in my lifetime. I know it's not the exact comparison, although I think there is some correlations to your point. You're getting your big game rifle all dialed in or your bow or your musket or whatever it happens to be and you're shooting that paper target and that's all great and maybe you can hit all of that just fine. But then you're out actually in the field and you're hunting and there's this thing that some experience and some don't called buck fever, whereby things start to happen. Your heartbeat goes way up. And frankly, Bill, some do really well at handling that and they have no issues and they can still shoot, you know, wild game with no problem. And there's others that buck fever takes over and they can't hit the broad side of a barn when that happens.
SPEAKER 10 :
Yeah, it happens super fast. And what happens is, you know, you get tunnel vision. And, oh, there's so much to this topic. I mean, this is all what we teach in our self-defense stuff. You know, a lot of people think that the gun's the answer. I tell you what, if you're probably 20 feet or closer to me, and statistically speaking, most firearm engagements are 0-6 feet. So, you know, you pull a gun 0-6 feet from me, and, yes, I will say this confidently again, I will take that gun from you. You're not that good. I'm going to take it from you. I'm highly trained in that. I teach people this. And it's not the answer. In fact, if you don't have the right training, you actually become a liability instead of an asset.
SPEAKER 07 :
Well, and one of the things that I've, you know, we've talked about this on this program, and I've had some of this instruction in the past as well. Unless you're ready to pull the trigger and you really know what you've gotten yourself into, don't pull the gun in the first place, Bill.
SPEAKER 10 :
Yeah, yeah, because, you know, there's the mindset of the person you pull a gun on is two things, right? Either you're going to use that on me, so I'm going to take it from you so you can't use it on me, or I'm going to take it and use it on you.
SPEAKER 09 :
Right.
SPEAKER 10 :
And you can't predict where they're going with that. But when that weapon comes into play, and by the way, 60%, two or more weapons, right? So I just don't have a gun. Probably have a knife on me, too. And multiple attackers, right? Right. So this is all FBI statistics that we train on outside of gang and drug-related incidents. This is real-life stuff that we train on. And the statistics show that, yeah, we're not training the correct way.
SPEAKER 07 :
Awesome. Okay. And, again, as you guys are all listening, we will get into some of these things down the road with Bill. Trust me, there's so many things to cover. And, Bill, so many things I've already covered in the past couple of years. That's why we keep doing this week after week after week. All right. Given the fact we've got a big storm coming in this weekend, and if you guys are listening to a replay of this program, you may or may not – may or may not affect you directly, although this stuff I think affects everybody at some point in time as well, Bill. But given the fact that you've got a background in the HVAC end of things and the electrical end of things, give some folks some tips as we head into what I would consider to be, honestly, A fairly normal Colorado weekend this time of the year. I know others in the news organization might argue with me on that, but I've grown up here. I'm a native. We get these cold spells from time to time. Some are more prepared than others, but those that are listening, what are some things folks should be doing at home? And I can talk about the car stuff a little later, and I'll even do that tomorrow on Saturday. But home-wise, what are some things folks should be looking at doing?
SPEAKER 10 :
Well, the most important thing, especially with HVAC, is you've got to be doing that maintenance. I mean, you know, the storm's supposed to hit tonight. I mean, I can tell you a couple of things to do, but, you know, if you're not ready, you're not ready. Right. And you've just got to hunker down and hope for the best. But get that filter changed. Get that flame sensor cleaned off. Maintenance. I've seen furnaces and boilers, you know, that should have died many years ago. but they're still running strong because the owner is faithful on doing those preventative maintenances. And they don't have to be crazy, right? But constantly change. A furnace has to breathe, right? And if you don't have that filter clear, it can't breathe. And then the flame sensor and, you know, it'd be great if you're familiar with that kind of stuff to have a couple, you know, igniters on hand and some flame sensors, things like flame sensors you can clean. But having a stock of filters, I buy... filters by the case and i have a case of them by my furnace and i change that filter every single month i get the cheapest one and i change it because it's not there for air quality see a lot of people think that my furnace filter is there for air quality no no it's there to protect the equipment right you know right so i i change that especially if you're looking to do air quality stuff that's a whole different part of the system and things that you know you and that world can do and it's not just the filter to your point That's right. That's right. I mean, electrically speaking, you know, it's just hit or miss with that. That doesn't have too much an effect with cold. You know, but I'm not a plumber, but hey, go outside and make sure those hoses are disconnected.
SPEAKER 07 :
You know, to your point, I mean, we're not plumbers, but Bill, you and I have enough common sense and have been around this stuff and around Colorado enough that for those of you listening, yeah, make sure the outside hoses are unhooked. If you've got any kind of plumbing that's on an outside wall, typically there'll be a sink or something. It could be a bathroom, could be kitchen sink. Open up your doors. I mean, at night it'll get much colder. The temperatures drop then. Usually our temperatures in the home come down a little, and that's one of those where, Bill, you know, if you're worried about some of those, you know, faucets that are on the, you know, plumbing that's on the outside wall, keep the temperature up slightly. Open all your cabinet doors up. If need be, let the water, you know, trickle out ever so slightly so it keeps moving because moving water has a harder time, you know, freezing. And just a few little things along those lines, Bill, you can do.
SPEAKER 10 :
Absolutely, absolutely. I will talk about this on the electrical, though, because this is something I run into every single winter, and it's a hot button for me, but it's power strips and space heaters. So people go and buy power strips, and they're like, hey, I just turned this one outlet into like 10 more outlets, and I'm going to plug in four or five little space heaters on them, and Gee, why does my breaker keep dripping? Why is, you know, things melting? And it's like, you know, you got to be careful with that because space heaters consume a lot. They consume a lot. So, you know, avoid power strips. And I mean, I use them too, but don't overload them.
SPEAKER 07 :
Well, you know, I do as well. Although, to your point, you know, I use them in select areas where you know what you're plugging in and the load of. And in a lot of cases for me, you're doing it more of a convenience factor because maybe the plug isn't in quite the right spot. So you run a power strip where you can plug in anything. a little easier. But yeah, that doesn't mean, you know, you see those pictures from Christmas vacation where Clark's got all the lights plugged in out in the garage. That's not what we're talking about.
SPEAKER 10 :
Yeah. Yeah. You think that's comedy? No, that's, I see that.
SPEAKER 07 :
No, I have to, I've seen that in reality. It's like, Oh my word. I just kind of look at that and think, Oh man, that is just an accident. That's a fire waiting to happen. Literally.
SPEAKER 10 :
Yeah, if you're going to do that, at least get a power strip with a little breaker in there. They've got the little buttons that pop out. You know, at least give you some kind of protection.
SPEAKER 07 :
Anything would be better than nothing. And it's also, Bill, where just – I've never talked about this on this program. It's more of my Saturday morning, you know, Fix It Radio interview. And of things, but I'm also not a huge fan of the multiple outlets on a single outlet. You know, they make those where you can plug a plug on top and even even screw it into the the screw, if you would. And it becomes more of a permanent fixture where you can take, you know, two outlets and turn it into six or eight. And I've just never been a big fan of those.
SPEAKER 10 :
Yeah, in fact, just two days ago, I got called to a house that was throwing the main breaker, and he's like, I unplugged everything, so I don't know what's going on here, and he had that in there, pulled it out, the breaker held, I put my meter on the two prongs of that device and direct short, so inside that was melted to your point. Those things are definitely, don't do those. At least get a power strip with a built-in little circuit breaker in it. At least do that, please.
SPEAKER 07 :
Yeah, and again, folks, we're just trying to give you some common sense things. And again, Bill, stuff happens, and I don't want to say that common sense goes out the window when these sorts of things happen, but it does because go to any grocery store right now and either wait in line and or see what's not on the shelf because of what's coming this weekend. So the reality is, yeah, there's not a lot of common sense left, I hate to say.
SPEAKER 10 :
Yeah, and that's the heart of everything that we're going to be talking about in the future and today. And the heart of my other company that we're starting here is you've got to be prepped to protect yourself against whatever it may be. In this case, a winter storm. I should... should already be ready for this. And John, this isn't something that we think of when the news says, hey, snow, listen, this needs to be your lifestyle. Correct. This needs to be your lifestyle.
SPEAKER 07 :
Correct. Yeah, we live in Colorado. We get snow. We get drastic temperature swings in this state. Again, I've lived here my entire life, and these are just the things that happen. We get floods. We get bad snowstorms. We can have tornadoes, high wind. Power can go out, Bill. There's all sorts of things that happen to us here in Colorado. And I will, you know, not bragging, but I will just tell you that, you know, first things first, we haven't been to the grocery store or done anything different this week than we would any other week because we're already ready.
SPEAKER 10 :
Yep, yep. Your pantry, your whatever you want to call it, that is your grocery store. So you shop out of that, and then when you go to the store, you restock that. Obviously, there's perishable items you can't do that with.
SPEAKER 09 :
Of course.
SPEAKER 10 :
But we're not talking about that. But, hey, and, you know, I'm from Colorado, too. And there was a time, and we lived in Aurora when I was a kid, and we had an earthquake. And it, like, shook us out of bed. I mean, it was a big earthquake in Colorado. So, you know. Stuff happens. Stuff happens, right?
SPEAKER 07 :
That's right.
SPEAKER 10 :
Stuff happens. I don't remember what year that was. I think that was around 82.
SPEAKER 07 :
Yeah, I think now that you say that, I think that's about right, Bill. I remember that. It didn't affect us on the west side quite as much as it did out there. But, no, you're correct. I remember that now. Absolutely. That was the same year we had that big blizzard on Thanksgiving. Yep, absolutely. All right, folks, hang tight. We'll come back. We've got a lot of stuff to cover. We're not going to get to everything, but we'll get to as much as we can. We'll keep having Bill back in the future. So hang tight. Again, Ready Radio. You can go to our website, ready-radio.com. We'll be right back. This is KLZ 560.
SPEAKER 03 :
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SPEAKER 07 :
All right, we are back. Ready Radio, KLZ 560. Again, our website, ready-radio.com, and that's a great resource for you. In fact, we'll be linking things from there to what Bill and I are working on as well, and a lot of the things, Bill, that you've got from your seminars, too. We're going to have additional websites and things like that as we move forward. We'll get all those things linked up as well for all of you listening. So... uh in turn bill let's and you've got like 13 things you're working on a book with different chapters and so on and what i thought we could do is over the course of the next you know several shows let's just run through some of these things and again you're going to have more information on this when it comes to you know website books and so on but as we're talking through some of these things i thought we would just start with number one and start rolling through some of these things what are your thoughts
SPEAKER 10 :
Sure, that sounds fine.
SPEAKER 07 :
Okay, let's do it. Number one, understanding batteries and battery chargers or chargers in general.
SPEAKER 10 :
Oh, that's a great one because this is very relevant to me, actually. And speaking of batteries, you know, cold weather is just... you know, really hard on batteries.
SPEAKER 07 :
Absolutely. And to your point, Bill, it doesn't matter whether it's, you know, a battery that you're, you know, portable, carrying around flashlight, whatever, and it's out in the cold or your car battery, all of it is affected by extreme temperatures, cold included.
SPEAKER 10 :
Yeah. And even the lithiums, you know, they've got protections in there because once they get a certain temperature charging them, you know, just doesn't work and actually they need to protect it. So a lot of them have thermal protection in there that you can't charge. below a certain temperature. But this is pretty relevant because a lot of times people don't understand batteries. And especially like solar chargers. You know, I hear a lot of talk about, oh, I got this solar charger for my phone. And what they don't realize is like that charger, you got to understand amp hours, most important. But that charger that you have and You know, I've got a couple in my dashboard of my truck and it'll take a week to charge.
SPEAKER 07 :
Absolutely. You know, I tried. I bought one of those just for grins, Bill, to your point, just to kind of test out, see how well it works and so on. And yeah, in a pinch, could you get by with that? My suggestion would be make sure you keep it always topped off, because to your point, Bill, once it starts to diminish. Yeah, you can put that thing out in the sun and it'll charge. But man alive, you know, don't hold your breath.
SPEAKER 10 :
Right. And that and then you got cloudy days and then you don't have full sun. I mean, there's just too many variables. It's unpredictable. Right. So, I mean, those are those are OK. And, you know, I have this this rule of of four hours, I call it. And it's is it is it reliable? Is it going to work? You know, when I call it in to go to work, is it going to show up? That's the number one thing, especially like our firearms class. What gun should I buy? And I'm like, the one that goes bang. I'm not going to get into name brands.
SPEAKER 07 :
To me, I look at that one, Bill, a lot like people ask me, what car do I buy? Gosh, that is such a deep subject. It's like, again, to your point, buying a firearm. I mean, the reality is every car is going to go from A to B. But what are your needs? What are you looking to do? Does it fit you? I mean, really, there's a lot of comparisons between that and a gun because at the end of the day, if it's not the right fit for you and it's not serving its purpose, it's the wrong choice.
SPEAKER 10 :
It's a paperweight.
SPEAKER 07 :
By the way, I don't care what the Internet or anybody else says as well because it's still the wrong choice.
SPEAKER 10 :
Right, right. It's very personal, you know, and everybody has different hands and different needs and different requirements, and there's just no cookie-cutter answer whatsoever. And that's why you want to have, in that regard, a coach that's going to come alongside you and not just say, well, I'm a Glock guy, and I love Glocks, but a Glock might not work for you. You know what I'm saying?
SPEAKER 07 :
I'll give you a really quick, not to get off on a tangent, but I'll give you a quick example. I don't have huge hands, and while I love Sig Sauer, and I think they make a very top-of-the-line product, Bill, and I've owned several of their products, There are guns over the years. The reality is it's not one I shoot effectively because it's too big for my hands.
SPEAKER 10 :
Yeah, yeah.
SPEAKER 07 :
So there's a great example of what you're talking about.
SPEAKER 10 :
Yeah, I have a lot of ladies come to my class. I don't know why, but we have a lot of women that come to my firearm class. A lot of them go, I got my permit, but I've never fired. Can you teach me how to shoot? And I had this one elderly lady come up, and she had a Desert Eagle gun. And I'm like, what are you going to do with that? And she's like, my husband says I need to learn how to shoot this.
SPEAKER 07 :
Yeah, I know.
SPEAKER 10 :
Well, she did one shot, and she was terrified. I said, you know what, let me give you another gun. I gave her a .22. Right. And she got comfortable with that. So to your point, you know, is it reliable? Is it going to show up? Whatever charger I have, whatever battery I have, is it going to show up? Right. There's all kinds of choices. You get lead-out. Great point. Do you get lithium? Do you get lithium ion? Do you get – I mean, it's just – there's –
SPEAKER 07 :
for you and i think a lot of the prep preparedness stuff is where i hate that term you know prepper because as you know it brings on so many different you know connotations i i like the you know let's be prepared for anything the what-ifs of life it's kind of our motto here on you know ready radio and and again bill even even flashlights i mean good grief how many different you know types and brands and so on of flashlights are on the market i mean when we were kids uh... there wasn't too many Today, there are, and I'm not exaggerating, Bill, there's thousands.
SPEAKER 10 :
Yeah, and then the charging mechanism, they come with their own charging mechanism.
SPEAKER 07 :
Correct.
SPEAKER 10 :
It's like, great, now you lost the charger. and, and what do I do now? Cause I don't have the ability to charge that particular flashlight. And I've, I've got workarounds on all that, by the way, and we can get into that. This is a, we're just going to, we're just going to scratch.
SPEAKER 07 :
We're a high level. No, that's exactly right. High level. And then again, a lot of our listeners, you know, they're, these are, you know, sharp listeners and they understand some of what we're talking about and even have probably some of their own, you know, preferences when it comes to, to brands and things along those lines. And although I think there's a lot of folks listening to bill that are, very new to this they're trying to learn and follow along and it's partially why they listen to the program so i mean we have everything from you know that high level what i would call an expert that could probably sit here in this chair and do just as well as i am to somebody that's very uh much a novice i guess you could say and really trying to figure out what should i have stocked and ready to go and i will tell you this to your point earlier bill at the end of the day does it turn on and produce light
SPEAKER 10 :
That's exactly right. Is it reliable? That's the first R, John. Is it reliable? Is it going to work? So just real quick, I can help with the battery situation. So no matter what phone you have, you can Google it and say, what is the amp hour capacity of my phone battery? And let's just say it's 500 milliamps. Let's just throw out a number.
SPEAKER 07 :
That's fine. We'll go with that.
SPEAKER 10 :
So now I've got 500 milliamps.
SPEAKER 07 :
Or whatever. You broke up for just one minute, so you lost us, or I lost you. It's 500 milliamps, and then you broke up.
SPEAKER 10 :
Okay, so we'll just go with that number. It's 500 milliamps. And so now I'm going to look what little power cell or little thing I'm going to have with me to charge my phone in case of emergency. So if I find one and I look at the amp hour capacity, and it's 250 milliamps, I ain't going to charge my phone. No. No. No. If it's 500 milliamps, I'm going to get one charge out of that phone. Right. Correct. If it's 1,000 milliamps, I'll get two charges out of that power bank before I have to recharge it. So you need to understand, and that's the first thing you need to look at, understand what your phone... And by the way, this was just an anonymous number, right? I just pulled the number out of thin air. I don't know what your phone is. I think mine's like 2,500 milliamps. And so... You know, I've got a couple chargers, and I was like, oh, this one's like 5,000. I'll get two chargers out of it. Now you've also got battery conditions, and after that first charge, I've lost the ability to charge more because it's all based on, you know, how much availability within that power. I mean, batteries is a huge, huge topic. But here's an interesting thing. So in my work truck, I bought a 200-amp hour battery. And that's a ton, right? Right. It's a lithium battery. And, you know, I got my microwave and my Keurig and a couple, you know, little battery chargers on there for my compact tools, things of that nature. Well, I realized something, John. I realized is it was getting colder, right? It was losing a charge overnight.
SPEAKER 07 :
And then it wouldn't charge again. Yeah, that's right.
SPEAKER 10 :
Yeah. And so I'm like, hmm, this isn't going to work. And so I went over to Batteries Plus and I bought a lead acid. Hmm. 100 amp battery, right? And listen, that thing's holding charge. So you got to understand there's the purpose for a NiCab. There's a purpose for a lithium. There's a purpose for the old Duracell. And does the Duracell hold up as much as the Energizer? Here's my answer. You got to test it. You got to test it for what you need it for. Your life is different than mine, right? I live on...
SPEAKER 07 :
cordless tools right when i started the electrical trade we didn't have them right we stretched a cord yeah hey no i know in the automotive world it was the same way back in the day bill either had compressed air or a cord one of the two
SPEAKER 10 :
Yeah, you either turn that screw by hand or you had a corded screwdriver or a corded screw gun. And I remember Panasonic came out with a cordless. This was even before Makita. Panasonic came out with a cordless screwdriver, and I went and got that, and I was the envy of everybody. Well, yeah. And then, you know, Makita's and all that. But, you know, even these guys are frustrating because, you know, you grab your cordless tool and you get out there and you get a couple turns on it, and it's like, oh, battery's dead. So I have this rule. It's the ABC. Always be charging.
SPEAKER 07 :
Good point. I do, too. Do the same thing. Yep, absolutely.
SPEAKER 10 :
ABC, right? I'm always charging. Some people say it's bad for your phone if you charge it and it's at 80%. Listen, I don't care.
SPEAKER 07 :
I'd rather have that and be at 100. Case in point, we'll go back to the flashlights. For a lot of you listening, there's a lot of wall-mounted flashlights that are rechargeable, that literally are portable. to Bill's point, charging all the time. There's, you know, everything from, you know, Streamlight on down and you can spend as little or as much money as you want. But I'm kind of like you, Bill. I kind of feel like I want that flashlight constantly charging on the wall where if I need any kind, you know, if I need a flashlight, you know, Any time of day, night, whatever it happens to be, because, by the way, you can use them during the day for finding different things and so on. So when you have them handy, you'll use them a lot more, by the way. But I want that thing always charged up. I'm going to grab it out of its cradle. I'll go use it, do whatever I need to do. It goes right back on the cradle and charges up. In the case of a Streamlight, there's always an extra battery sitting there that's always charged and ready to go. And to your point, though, Bill, because of that, plan on replacing those batteries about every third year or so because they're not going to last forever.
SPEAKER 10 :
Right. Absolutely. You know, and you change them out. It's no big deal. I'll give you, we'll jump to another topic here since we're on the topic of flashlight, but it ties into batteries. So I personally carry the Mini Warrior 2 O-Lite. That's my everyday flashlight. And I'll tell you, John, I kid you not, I use it every stinking day. There's not a day that goes by that Hey, like you said, I dropped something down on the floor of the car, and I'm looking for it. I use this thing all the time. And, you know, unfortunately, Olight has a special charger. But guess what? It's an 1865 battery. 18560 battery. So they are different, but what I did was I've got chargers now that will charge 18650 batteries. And I carry about five of them with me. And I've also got this phone bank that will take those batteries. So not only does that charge my batteries, but in a pinch, I can turn around and use that to charge my phone. But here's the cool thing about it. I can interchange that battery. My battery goes dead. I've got four other Olight batteries here. to throw in that guy. So, you know, it's repeatable. I've got redundancy. A couple of more of those laws, those R's that I have, I have redundancy. This flashlight, this battery in this flashlight has a dual purpose now because I can use it in a few different applications.
SPEAKER 07 :
Great idea. Oh, that is, and for all of you listening, it's one of those things where a lot of the books and stuff that I read, Bill, on an ongoing basis, some of what we're talking about right now, that's why it's number one, by the way, becomes one of the, if not the first thing that a lot of folks start struggling with because, of course, none of that was prepared. Some of these people find themselves on the run. They get into nighttime. There's no ability to see because nobody planned ahead to have any kind of a, a flashlight and now you're trying to rely on you know coming up with some sort of a torch or something along those lines out of you know a stick and tar and so on you know now you're back to the primitive end of things where if you just planned ahead a little bit you'd had a flashlight on you
SPEAKER 10 :
Yeah, and tactically speaking, a lot of people like the lights on the gun, and 90% of people don't know how to use a light on a gun. I'm not going to be room-clearing my house or going through the trees with the light on the gun because all I'm doing is telling the bad guy, shoot here. You know, it's a force multiplier. It's a deterrent. You know, I can flash your eyes, you know, get around, get away, whatever. But, you know, if I'm walking now, to your point, through the woods with a— a makeshift torch, you know, I can't turn that guy off, you know, when it needs to be turned off.
SPEAKER 07 :
That's right. It's a flame.
SPEAKER 10 :
I'm like, oh, my God.
SPEAKER 07 :
So really quick, too. Somebody texted just a second ago and asked me personally, and I'll get your opinion on this, Bill. Are you ever worried about those, you know, batteries and chargers catching fire? And, Bill, I'll just be straight up honest. I never lose an ounce of sleep over that. It doesn't even cross my mind.
SPEAKER 10 :
Yeah, I mean, it happens.
SPEAKER 07 :
It does, but I don't worry about it. I just don't.
SPEAKER 10 :
Well, so if you worry about it, then you take... You know, again, you prepare to protect. That's the name of my agenda here. You prepare to protect. So if you need to protect against fire with your batteries, then you need to prepare your batteries or store your batteries in such a way that if that happens, you've got means to deal with it, right? So, you know, yeah. These are all hypotheticals, by the way, and they're so hard to answer with an absolute. But the answer is, if you're worried about it, great. Then take whatever means you need to take.
SPEAKER 07 :
Yeah, if you're somebody that that's something that is a concern to you. And by the way, I'm not trying to diminish that or play that down. Just me personally, it's not a big deal. I have all sorts of things that are on chargers, like the flashlight on the wall. And no, I don't worry about that catching fire. I mean, I guess the way I... Maybe I'm looking at that wrong, Bill, but the way I look at that is Streamlight, in this case, is a very large company. If something were to happen and that burns the house down, guess who's getting sued?
SPEAKER 10 :
Yeah, yeah, and most of these modern chargers now, they have smart charging within them, and once it reaches a certain level, they shut themselves off.
SPEAKER 07 :
That's right. Well, and thank you for saying that, Bill, because, by the way, for all of you listening, I do think this is where the quality of what you're buying and doing, and I get it, there's been cell phones that ignite and different things. That's why airlines only allow certain things in certain areas of the plane and so on. I get all of that, but I do think, Bill, there's something to be said about What is the product you just bought? Where did it come from, and what's its quality?
SPEAKER 10 :
Yeah, absolutely. That's a big one, right? Because we face this in our electrical and HVAC all the time. You know, hey, I hired this guy. He was cheaper than you. Well, then you're calling me back to come fix it. Right. You know, that's a tough one, and it's a tough one because we're all struggling. That dollar... is tight for everybody. So I get it. I get it. My analogy is the organic milk. I go to the grocery store and there's a three-gallon jug of milk and there's an $8 gallon jug of milk. And to me, unless I understand the benefits or to me, whatever the benefits may be for the organic milk, listen, I only got three bucks. I got other things to buy, so I'm buying that. And I understand that.
SPEAKER 07 :
Correct. Good way of looking at it. And again, for all of you that are listening, and that was a good question that came in, by the way, and I've had that question come in for me. And, you know, I mean, will I take a Milwaukee? and just leave it on the charger, to your point, Bill, because that way it's always charged and ready to go. Yeah, I do, but I use the – now, I will say this. I only use genuine Milwaukee batteries and their charger. I don't buy any of the China imitation stuff either.
SPEAKER 10 :
Yeah, I mean, that's a gamble, right? It's hit or miss. Agreed. Yeah. Agreed. I mean, it's a hit or miss on anything. Any technology comes with a risk, to be honest with you.
SPEAKER 07 :
This next one, I'm going to take a break, come back, because I talked about this briefly last week, and that's the communication end of things. There's a lot to be said on that. We won't get it covered even in this next segment, but we can kind of get started on that, because this one comes up a lot, and I know you've got some experience on the communication aspect. So, guys, hang tight. Again, you're listening to a live program. This is Ready Radio on January the 17th. You're going to be listening to a replay show. You know exactly... What day it is, we'll be right back, though. Don't forget website ready-radio.com.
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SPEAKER 07 :
All right, we are back. Ready Radio, KLZ 560. Bill Anderson with me today. And Bill, appreciate you joining us. Let's talk about emergency communication. And I think, at least for me, there's different levels of this. At least this is how I would look at it. In other words, we have emergency communication right now in regards to cell phones, as long as those are working. When they stop, though, what's next and what do those layers look like?
SPEAKER 10 :
Yeah, again, another topic we could spend weeks and so much time on.
SPEAKER 07 :
And by the way, for those of you listening, Bill, we will. We'll come back to this, so we'll just kind of do this for the next, I don't know, we've got about 12 to 14 minutes or so left of the show. We can kind of do high level, and then we can come back and dig into this in detail.
SPEAKER 10 :
Yeah, so one of my other foundational things that I kind of teach and talk about as far as all this stuff is what I call the layers. And so you have a personal layer, a vehicle layer, and then a home layer. And we need to be thinking in those terms. So in communications, we need to be thinking on those terms. But then in communications, too, you've got, hey, I've got secure, you know, and I've got unsecure. and so that could also play a fact in how you communicate true so one of the things yeah we always got the cell phones right we we kind of take that for granted um but you know you get into an area where you know we do a lot of electrical work doing generators and stuff up in the mountains and our cell phones don't work so um you know i got to go to another means of communication there right so when i look at communications i'm gonna personally here's what i do i mean obviously the cell phone But I also have GRMS radios, and I have them with me. I have two of those handheld radios in my truck, and it has served me well because I'll grab one, I'll give one to who I'm working with that particular day, and I'm like, hey, let's talk because you're in an attic in a whatever crawl space, whatever. We don't have solar reception. We can still communicate. So the GRMS, and by the way, that's an easy application. Now, I know we might have, you and I might have a little bit of differences as far as Going through the legalities and the training and getting the proper licensing on things, and I'll tell you why I view the way that I view it versus maybe what you do. So, you know, you can go on to the GRMS, get the application. It's like $35 for a family license. So that means anybody in your family can use that same license and you can communicate. The other layer is ham radio, and here's where you and I might not 100% agree with it. I do think you need to get at least your first level license.
SPEAKER 07 :
No, I would agree. I think you're spot on on that. I would agree with you with that because, as you know, that's one of those things where when all else fails, those guys will still be operating.
SPEAKER 10 :
Yeah, and here's why, John. I may have misheard you that day when you said, yeah, whatever, it's too hard, it might be too hard for you, don't worry about it. So anyway, here's why. It goes back to what we had started this whole conversation with today. You need to be practicing this stuff. When Hades comes to town, or the poop hits the paddle, as I like to say, now's not the time to learn how to use your ham radio. You need to be up and running. You need to be somewhat proficient with that. before that happens because that's not the learning time. And so it's worthwhile. I'm a member of Parker Radio Club. I took my test through them. There's a wonderful app if anybody's interested. It really helps the test-taking process, helps you learn it. I nailed it in the first time. It wasn't that hard. I mean, yes, I'm an electrician. I had a lot of help with that because of my knowledge. But, you know, you need to get it and you need to be working it. So that, you know, you could become somewhat proficient with it. And then the other thing, I know you had mentioned the rapid radios and, you know, there's some consideration with that. But one thing that I've been messing with and practicing with is that of Meshtastic. Have you heard of that?
SPEAKER 07 :
I have.
SPEAKER 10 :
Yeah, Meshtastic. So we've been playing around with that. It's more secure. Yes, it uses your phone, but it's a radio. It doesn't require cell phone towers. You know, it's basically a low-frequency radio, and they bounce off of the nodes. They bounce off of each other, and you build your network. And, you know, at least you can have, you know, I'm fortunate enough to have a setup at the church. At least I have some kind of a, if you will, radio grid that I can communicate with a couple people on if I need to. So I've got, again, layers, right? I've got a secure one, a not-so-secure one. So GRMS, handheld, I've got a mix of this, and I think you need to have a mix of things.
SPEAKER 07 :
Yeah, and I can't argue with that at all, and I agree with you. Now, I've never mentioned this much on air. As a company, we run off of a repeater in two ways and so on, and that's all fine and dandy until some of that is no longer – you know, available, as you know. And that's true even like, you know, as I mentioned last week with the rapid radios. You know, those are great as long as cell towers are up and functioning and so on. The minute those are not, then you're going to have to find other means to communicate, of course.
SPEAKER 10 :
Right, right. So it goes back to my redundancy. You've heard that saying, you know, two is one or one is none, two is one, three for me. You've heard that saying before. Right. A lot of people misunderstand that. They say, hey, I've got a lighter, so I need to have two, so I've got two lighters.
SPEAKER 07 :
No, you need to have two. You have other forms of that is what you need.
SPEAKER 10 :
Correct. Correct, because if that lighter gets wet, well, guess what? Both lighters are wet. Two of them did me no good. Right. So, you know, we're layering things. I've got, oh, I've got a lighter, and now I've got a flint, and maybe I've got matches. I've got three ways. And by the way, I have a secondary flashlight built into my Garmin watch, which I use almost on the daily as well. So there's redundancy there. And communications, John, is the same way. Communications, right? And if we go back to, you know, wagons, if you lose everything, you know, I mean, the pre-planned that you have with your family, is a means of communication. It's called pre-communications. And it's like, that's how you and I grew up, right? Right. You know, hey, went out to play and mom said, be home at this time. And you need to be home then.
SPEAKER 07 :
Yeah. It's funny you say that, you know, before the invention of the cell phone, which, you know, came along and got a lot more popular in the you know, late 80s, early 90s. I know someone's going to correct me and say the cell phones were around way before that. And yes, they were. And certain rich people or realtors, maybe even Bill, had some of those, you know, prior to that. And that I understand. But they really became prevalent in really, you know, early, probably even mid-90s is where they really started to become more prevalent, where the average everyday person, you know, had a cell phone. Prior to that, and I look, you know, think back in time, Bill, to where... When the phone rang, it was corded, you answered it, and whoever was on the other end, you had whatever conversation. If somebody was there they wanted to talk to, fine. If not, you let them know when they were going to be back and whatever, and you did the whole message pad thing or whatever you had to do because this was even before message machines existed and call on hold and all the other things that we started to get as time went by. But you and I grew up in a time where none of that existed, and yet somehow we communicated.
SPEAKER 10 :
Yeah. Yeah. Sometimes you woke up and, you know, we woke up in that generation where, you know, we rarely saw our parents because we raised ourselves. And, you know, you woke up and there was a note on the kitchen table. That was the communication.
SPEAKER 07 :
Right. Exactly. And by the way, sometimes that note would be left on the other side of it for the communication. And that's just how we did things.
SPEAKER 10 :
Correct. Yeah, that's exactly right.
SPEAKER 07 :
Point being, we made it work, and I think today, Bill, a lot of folks have become so dependent. I think that is the right word, so dependent on some of the things we have right now that you really need to think outside the box as to how would we communicate if those didn't exist.
SPEAKER 10 :
Yeah, yeah. I have a term that I use in all of my classes, and even within my company when somebody calls me, I say FSO. And it means figure stuff out. Go FSO that. Go figure that out. Because that's how you and I grew up. We didn't have these things. We didn't have people to ask. Our parents weren't around. We had to figure stuff out. You know, we're a unique generation in the matter, you know.
SPEAKER 07 :
So for somebody, you know, so for, and I know this is another topic, like I said earlier, we can get into and get into a little bit more depth and so on. What would you recommend? So somebody that needs to get into the, you know, ham end of things, you know, what are some basic things they should be looking at to at least get started there?
SPEAKER 10 :
Well, the first thing I would do, there's a couple apps you can download. M Radio Prep is the one that I personally used, and it got me ready for my general, not my general, but my first license, the technician license. And I just hit it every day. I took those practice tests. I scheduled a test. I went in and I nailed it. And I had ham radios. I had, you know, the Balfangs. And a lot of people are like, oh, Balfangs. Again, we're not going back to brand. We're not going back to any of that. It's like, does it work? Does it not work? Does it fit your needs? Great. You know, I'm not trying to beam NASA right now. Me neither. I'm just trying to talk to my family. That's right. You know, three stories up in this building right now. So, you know, you've got to work with what's with you. Don't get hung up on... oh, you don't wear Levi's, you wear whatever.
SPEAKER 07 :
I think this one kind of comes back to, Bill, the whole, you know, we talked about cars and guns, you know, earlier in the program, and, you know, this, again, becomes something that, you know, at the end of the day, what's going to work for you? If at the end of the day, power's gone, we had some sort of an EMP, you know, blast or cyber security, you know, cyber attack, something along those lines, and all of a sudden nothing's working, okay, what are you going to use at that point in time? And, again, Bill, I'm one where, It could be smoke signals. And if that works for you and your family, I don't really care.
SPEAKER 10 :
That's what you got to do. You know, EMPs are, it's an interesting topic, right? Because you don't really know what an EMP is going to do. And if an EMP goes off, you know, it's going to have different effects on, you know, different regions, right? If it goes off in New York, we might not have an impact here in Colorado. I don't know. You don't test that stuff. So how do you really know?
SPEAKER 07 :
And by the way, they've done some testing and someone even turned the test off as things started to go awry, if you would. And I've done even interviews with the individuals that were involved in some of that stuff way back when, not on this program, but on my daily program. And reality, Bill, is there's a lot of unknowns with that, to your point, because we really don't have a solid answer on a lot of those things.
SPEAKER 10 :
Yeah, you have no idea. So we could say, well, what if an EMP? Yeah, what if? It may affect you. It may not. And there's a lot more to EMPs, too, right? You could have the attack of an EMP, but you could also just have a massive solar flare from the sun that takes that stuff. That happened, when was it, like in the 1800s, late 1800s?
SPEAKER 07 :
It wiped out a lot of the telegram services we had at that time.
SPEAKER 10 :
Yeah, absolutely. Absolutely. Because those free electrons jumped on whatever conductor it was and smoked it.
SPEAKER 07 :
That's right.
SPEAKER 10 :
But anyway, you know, you need to have this layered approach. Number one thing is you need to have communication, verbal communication with your loved ones as to what you're going to do. You know, like if when me and my wife go into a store and for whatever reason we separate, he knows that. I'm going to go to the front and I'm going to stand by the cash register. So she's not going to go up and down the aisles looking for me. She can't find me. I can't find her. We're going to meet at this point. So you have that pre-verbal communication. Having that plan is so important, you know, and it's pretty easy to do, but we take it for granted. But then I would just layer it. I would have, you know, some type of a walkie-talkie or a GMRS, handheld communication. And then you can layer, right? Then maybe I've got a similar one, you know, in my car, which is a dual function. I can GRMS, I can ham radio in my car, you know, and maybe I have something else at home. But the point is, is whatever you're going to do, don't buy it and let it sit on a box on your shelf going, hey, I'm prepped, I'm ready.
SPEAKER 07 :
Use it.
SPEAKER 10 :
Play with it. I play with mine all the time. I got my moustachic in my car right now as we speak, running around hitting nodes, having fun communicating to people, and I'm figuring stuff out now. Great point. That would be my number one advice.
SPEAKER 07 :
All right, before I let you go, we've got about a minute left here. Tell folks about your seminar one more time so we can get folks out to it.
SPEAKER 10 :
Yeah, we got a AHA BLS class. And if you're a medical provider and you need a class, this will qualify. And we're tagging on to that Stop the Bleed. course where we'll teach you trauma stuff. So that's happening on January 25th. And we're in the transition of changing all our emails and websites to the best one. It's just Bill at A-R-K-E-H-C.com to email me if you're interested in that class.
SPEAKER 07 :
Okay. Awesome. And again, folks, as we get a little further along, we'll link all these things up and have all the websites rolling and so on. Bill and I have a lot of things in store for you here for... Bill, look forward to it. I appreciate your time today very much. And we will do this again in the not too distant future, sir.
SPEAKER 10 :
Sounds good. We'll talk to you soon.
SPEAKER 07 :
Thanks, Bill. Appreciate you very much. And one last thing, too, that I should just throw in there for a lot of you that are listening where you may be interested in doing a whole home generator, I will tell you that Bill is a great resource on that end of things as well, figuring out how to size it, who you call to get it installed, where would you buy it from, and so on. Bill is a great resource along those lines. And, again, we're going to be doing more and more together. I've known Bill for, wow, a number of years now. And... Good friend, and we're going to be doing some things in the future together along these lines because he's going to help fill in some things that I just don't have time to do. So, Bill, thank you very much. I appreciate that. And again, folks, just go to the website, ready-radio.com. Thanks for listening today. We'll be back with our next program. Don't go anywhere. This is KLZ 560.
SPEAKER 02 :
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.
This episode takes a closer look at the influences shaping the financial landscape under new political leadership. We dissect the potential impacts of President Trump's incoming government policies, executive orders, and the anticipated cabinet changes that may sway market trends. Tune in to hear expert insights into predictions for the U.S. economy, global market competitiveness, and the factors investors must navigate to secure financial success in these fluctuating times.
SPEAKER 01 :
He's been seen on CNBC, the Fox News Channel, and the Fox Business Channel. His articles can be found on MarketWatch, Seeking Alpha, TheStreet.com, and many other places. He's the author of the weekly Best Stocks Now newsletter and the inventor of the Best Stocks Now app. He's president of Gundersen Capital Management. Here is professional money manager Bill Gundersen.
SPEAKER 06 :
Good morning and welcome to the Friday, January 17th edition of the Best Docs Now show. I am Barry Kite, planer analyst here at Gunderson Capital Management, handling show duties for Bill today. And Bill will be back here behind the microphone on Tuesday. He's always behind the keyboard, but he'll be back behind the mic on Tuesday after the show. Monday is market holiday for Martin Luther King Day and also will be the inauguration. So Monday will be a full day here. Market for most of the morning as we're getting ready for the show was futures were negative or just at least a bit in the red. And now we're on the show. We've got some strong green out there. We've got the NASDAQ leading the way up 1.5%. That's at 19,628, so working its way back towards that 20,000 number. We've got the S&P up 0.96%, so almost 1%, just under that 6,000 mark at 5,994. And then we've got the Dow up 0.78%, up 333 points to 43,486. Crude oil still below that 80 mark that it got above earlier this week, just down 0.12% at $78.58 a barrel. We've got gold still above that 2700 mark at 2713. uh down just a dollar today and then bitcoin's getting a good bit of a surge up 4.6 percent some news uh executive order around bitcoin uh that trump plans to sign pretty quickly uh while he's in office and of course that's moving uh moving bitcoin today to the upside and we'll uh kind of uh cover some of that here a little bit later in terms of some of those executive orders but Again, good morning and welcome to the January 17th edition of the Best Docs Now show. I'm your host, Barry Kite, planer and analyst here at Gundersen Capital Management, sitting in for Bill today. We also have Jeff Webster joining me on the show today, kind of a regular occurrence. Jeff is a vice president and advisor here at the firm. Good morning, Jeff. How was your week?
SPEAKER 07 :
It's been a great week. Good to be with everyone. It's always great to have an opportunity to communicate with the broader audience. As you know, you and I and others in our company are busy throughout the week talking to our existing clients and new clients that are looking to come on board with us. So it's always great to have the opportunity to interface with the broader group of listeners that we have out there.
SPEAKER 06 :
Yeah, yeah, and we certainly have an informed group out there. I told folks I'd probably put our clients and listeners up against anyone out there in terms of investor knowledge base. Good news is we're on track for the best week since the election in the markets, particularly for the NASDAQ. And if you add an extra 1.4%, we're sitting at right now on top of it, it will certainly be the biggest week for the NASDAQ 100 since the election. Of course, yesterday, on the heels of that big move on Wednesday, which happened to be the biggest day of the best day market day of the year, of 2025 so far, and of course it was the highest day since the Wednesday after the election. So a big bounce back day on Wednesday. Yesterday was more kind of a back and forth day. Saw a little bit more of that intraday volatility that we've been seeing a lot. Saw it, noticed it this morning in terms of looking at the futures. We were negative, flipped back, and we're pretty significantly in the green. So things are moving fast out there, which kind of brings me, in terms of volatility, really kind of brings me to... Something I've been thinking about, Jeff, and you've likely been talking to folks about it as well, but as we've been relaying our 2025 outlook to clients and potential clients, particularly given that we're only, what, three days away from inauguration day, it's kind of an interesting dilemma for investors where you're kind of balancing that short-term market expectations with long-term market expectations. And of course, Overall, folks that we're working with and dealing with certainly more interested on the long-term end, just in terms of retirement planning and other pieces where your investments tend to be a means to an end to that standpoint. But as Bill's talked about for, I guess, a handful of weeks now, the expectation of this near-term volatility that we kind of expected, saw it towards most of December, certainly early in January of 2025, and likely to kind of go through that first quarter of 2025 is what we're expecting on this kind of short-term volatility as the Trump administration kind of takes hold. We've got, what, I think 100 or so from what I hear, it seems like your hand's going to get tired. Maybe Elon can bring one of those robots up there, but signing a lot of those executive orders pretty much day one, right, Jeff, in terms of some of these, whether we call it deregulation or they've got the crypto piece. There's a lot of different pieces of this executive order that will take place. But a lot of those are going to be market moving in some sense. And how the market's going to react, we don't know. I don't know exactly what all of those are going to be, so that creates that near-term uncertainty. Also, the incoming administration is the impetus for long-term market expectations remaining in trend, right, in terms of for 2025, we see kind of haven't seen an earnings drop off. We kind of see that market trend continuing. But in the near term, right, you've got that kind of – Different mindsets. So it's kind of an interesting dilemma, I think, for investors where we're at right now. Because like I said, with any presidency, that first 100 days is going to set the tone for what campaign promises get met, how they get met, what policy ends up shaping out to actually look like once it's in place. We've got the debt ceiling that we're bumping up against. Of course, you've got the tax cuts that are going to be a bill that needs to kind of keep going in terms of having those tax cuts remain in place. And I think the administration is going to hit the ground running, but it's just going to be interesting to see, you know, how the market plays all that out, particularly in the short term, because it's going to create, you know, create winners and losers, right? We've seen that, you know, just as some of the market news and things shake out across a various number of sectors, right, since the election. Right, John?
SPEAKER 07 :
Absolutely. Yeah, certainly is. I mean, just... You know, as President Biden wraps up his final few days in office and as we see the new administration coming in, you know, there's, I mean, right now, other than Marco Rubio, there's still, you know, a lot of tension getting cabinet attention. Folks approved, you know, through the Senate, it seems like it's very much a partisan thing where you have one side of the aisle that is trying to trip these people up with trick questions and get them to say things that will make them look bad, and then you have the other side, you know, throwing up some softballs for them. Right, yeah. And from what I've seen, Rubio right now is the only one that... that everyone kind of agrees on. So we'll see what will happen here over the next few days.
SPEAKER 06 :
Yeah, and Besson did pretty good yesterday in terms of the couple of sound bites that I saw and some of the articles I read. I mean, he's respected really on both sides of the aisle. I don't think you'll have any trouble getting through. And somebody who understands markets, which all that plays into kind of that longer-term trend remaining in place, whether it's reduced red tape in terms of investment or whether it's on the natural resources front whether it's on the crypto front there's going to be a lot of things to help grease the wheels of investment and the market the economy tends to react favorably to that stuff and so that's what we'll see and on the other end just to kind of wrap this up in terms of You know, in terms of some of the bearish sentiment, we've got a good contrarian indicator, usually doing the opposite of this tends to be, you know, the right move. But the AAII sentiment survey came out, and they had a kind of their most bearish sentiment. stance in a while so like i said normally individual investors as a whole tend to tend to get it wrong so we'll look that bearish indicator as a good sign but we'll be back here for the second segment of the best stocks now show
SPEAKER 1 :
Thank you.
SPEAKER 06 :
And welcome back here to the Friday, January 17th edition of the Best Docs Now show. I'm Barry Kite, planner and analyst here at Gunderson Capital, taking the wheel for Bill today. And we also have Jeff Webster on the show, vice president and advisor here at the firm. Looks like green's continuing here on the screen, Jeff. We've got the NASDAQ still up 1.24%. at 19,577. We've got the S&P still on the doorstep of 6,000 again, up 49 points, up 0.83% so far today. And the Dow also having a solid day, up 0.74%. NASDAQ, or Bitcoin that is, leading the way up almost 5% today, over the 100,000 mark again at just under 104,000. I'm sure if I keep looking at it long enough, we'll be over 104 or maybe under 103. You never know, right, Jeff? That's right. It moves pretty quickly. Not quite as quick as quantum stocks, but just to kind of recap a little bit, I did pick up a couple of notes. I had some highlights here. We were talking towards the end of that last segment about Scott Besson His hearing in front of Congress, he bid to become the Treasury Secretary. He certainly hit a lot of the topics that we've been concerned about and I think a lot of folks are concerned about in terms of he kind of berated the government in terms of their spending problems, the need to get, quote, fiscal house in order. He specifically said, we've all probably said this or heard this many times, but he said, we do not have a revenue problem in the United States of America. We have a spending problem. So that's going to be his job, either at worst figuring out a way to pay for it. I don't know how much control he has over the spending, but he certainly has to raise those funds and hopefully be creative and keep our borrowing costs down. But big deal. I mean, I was looking at this, you know, This comes on the heels. I think we got this earlier this week or maybe it was in the last week. But, you know, the fiscal quarter 2025 budget deficit went up 39 percent to 710 billion from the same period the year before. So. A lot of that's from rising borrowing costs, obviously spending growth, and some falling tax revenue. But, you know, there are things that need to get taken care of, not the easiest things to tackle, but we'll see what the new administration will have to do about it. I did also mention, this is the one piece I was talking about in terms of the tax cuts. He said that the U.S., quote, will be in a... be in an economic calamity if the Trump tax cuts don't get extended. So I would imagine we're all pushing for the extension on those. Somehow there may be more than others.
SPEAKER 07 :
Well, it's interesting, Barry. I'm looking at – so when you think of all the cabinet secretaries, I believe – including the Attorney General, who's not defined as the Secretary. I believe there's 15 Cabinet posts. I noticed that there are five to be announced, the Secretary of Agriculture, Secretary of Commerce, Secretary of Energy, Secretary of Education, Secretary of Veteran Affairs. I'm wondering if those are to be announced because those are potentially all going to be on the chopping block of – you know, departments that, uh,
SPEAKER 05 :
Yeah, in other words, we don't need them. That's right. It's interesting. I think that's one caveat.
SPEAKER 06 :
I was thinking more of some positions you might use as some horse trading, right, to make sure you get to certain people you want in, and then, hey, maybe we'll throw a bone here or there without having someone named yet. But, yeah, you may be on to something there. Yeah. That's pretty interesting. Well, we have heard about, as the market's gone, we've heard about the idea of the breadth widening. You've heard this cap-weighted versus equal-weighted idea. dealing the market in terms of, as we know, the Magnificent Seven for almost two years really coming out of the bear market of 2022, really driving a large majority of the S&P return over that period. And thought was at some point, right, the rest of the S&P 500 will catch up, so you do the equal weight you know, start investing in the equal weight side. Well, over the last six months, it wouldn't have mattered which ones you chose, Jeff. They both came out with the same return. So the move to equal weight is still kind of, you know, that prolonged trend still hasn't been observed yet. But They are at least catching up, put it that way, because certainly the S&P, regular S&P 500 was very much outperforming its partner. And I think over the last two years, I want to say there was a number. It was, don't quote me on this one, I want to say it was like 109% or 120-something percent versus 9% for the equal weight versus the S&P. But I'll have to pull that number up. But in terms of markets, we've got news-wise today, globally we've got some information. These are some interesting numbers, Jeff, you'll like these, out of China. Yeah. So China released their GDP for the fourth quarter. They set a 5% target for the year, as you would imagine. They hit that target. They can make those numbers work however they please sometimes if they need to. But China GDP grew 1.6% in the fourth quarter. A couple of interesting notes from that, though, just kind of as you look underneath the hood there. Of course, you've got to take some of these numbers as a grain of salt, but grew at 1.6% in the fourth quarter. That was above the 1.3% rise in Q3. It's the strongest quarter since first quarter of 2023. They grew by 5.4%. And, you know, basically, if you remember, right, they unveiled a massive stimulus, right, in September, right? And so basically they had to kind of speed things up, do a little juice the economy towards the end of the year so they could hit that 5. They got to 5.4%, so they overshot it a little bit.
SPEAKER 07 :
Barry, you know what's interesting is, like Phil, I'm very active following folks on X. And I've seen a number of folks here over the last couple of days argue about, like, hey, you would make a very risky investment in 2X Palantir or these quantum stocks. Why wouldn't you be willing to allocate 5% of your portfolio towards Chinese companies?
SPEAKER 04 :
Yeah, we'll cover that one when we get back. Yep. We'll get back when we come back for the second half of the best.
SPEAKER 03 :
This is Bill Gunderson. Thank you for tuning in to today's Best Stocks Now, Best Inverse Funds Now show. I put several hours of research in during the wee hours of the morning each day to bring you the very best cutting-edge stories that I can. To get two free weeks of my newsletter, go to GundersonCapital.com. To talk to us about our fee-based only money management services, call us at 855-611-BEST. Now, back to the second half of the show.
SPEAKER 08 :
We got to get together sooner or later.
SPEAKER 06 :
And welcome back to the second half of the Friday, January 17th edition of the Best Stocks Now show. I'm Barry Kite, planer analyst here at Gunderson Capital, serving as relief captain here for Bill this morning. He'll be back behind the mic on Tuesday, especially. We've got a reminder, equity markets will be closed on Monday for Monday. The Martin Luther King Jr. holiday and observance. And then also the inauguration day will be also on Monday. So you get a twofer that day. Of course, in terms of if you want to keep up, stay up to date with Bill and his thoughts on the market, our thoughts on the market, you can always go to GundersonCapital.com. you can sign up for the uh we still got the four week uh all uh all inclusive uh option for the uh for the for the live trading there and um i know jeff's gotten some good feedback from folks uh folks on that and of course uh you know always uh you can always give us a ring too you'll likely speak with edie um and always happy to schedule a time to chat and and give you some ideas on what's going on in your portfolio, give you some thoughts there, you're welcome to give us a call at 855-611-BEST. That is 855-611-2378. Always here to be a resource for you. and uh jeff yeah you hit the hit an interesting i get i get both uh both ends of that arguments a lot of times right i'll have clients who say hey i don't want to own anything in china um particularly you know say a chinese adr which is a company that would be a company that trades here but is is domiciled uh in china um and then or you know even on the etf right uh you know um the the problem with china and build we've we've you know ran into instances of it we've talked about instances of it over the years and we really probably the i guess the straw that kind of broke the camel's back if you will was probably would have to be the You know, disappearance of Jack Ma. Remember Jeff Beck? Yeah, I want to say it was around the 2000 election, if I'm not mistaken, and maybe combining two news stories there. But, yeah, I mean, essentially, CEO of their, you know, at the time, right, their biggest or certainly one of their most potent companies, most recognized companies at the time, essentially disappeared. And, you know, so the problem there, biggest problem is, you know, political risk, if you want to call it political. You know, there's going to be essentially they can change the rules really at any point in time. So, you know, certainly an issue when you're holding an individual stock that's domiciled in China. And so, you know, it's been a while, been a long time, handful of years now since Bill's owned a Chinese domiciled stock in the portfolio. And, you know, those risks, you know, just create a, you know, level of risk that, number one, you can't hedge against. The only way to really do it is via size limit for the portfolio, right? So you could maintain, reduce your risk level. in terms of, say, only holding, you know, at most, say, 2% in this one particular Chinese domiciled stock. But, you know, you've got other reporting requirements. I'm trying to remember the name of the company. I think it was Luckin Coffee. You know, that was one that had some accounting issues. So you do have some reporting issues, as we were saying. joking about China's GDP report. You know, they've got an eraser. It probably comes in pencil. So there's just an additional set of risks there. And then lastly, I'd argue that, you know, our clients, we do have Chinese, certainly plenty of Chinese exposure in terms of owning, you know, international companies, you know, for example, you know, owning Microsoft, well, certain amount of their business, as we all know, you know, comes from China. So they are, you know, just because they're domiciled in the US doesn't mean they don't have, you know, quote unquote, Chinese exposure. So Bottom line, we're getting that exposure in a different way. A much more palatable risk, right? Right, because you remove that risk. In an ETF, of course, that's one thing. But in an individual stock, you've got that specific stock risk and risk. If a government can pull the rug out from under them at any point in time, then that's a risk that you may be able to find something else elsewhere that will give you the return profile you want without that huge asymmetric risk to the downside.
SPEAKER 07 :
Right. I think you'd probably, with your CFP, uh, background, uh, define that as a global stock as opposed to an international, uh, stock per se.
SPEAKER 06 :
Right, yeah, and that's where we kind of, you know, just when you start, when you look at, you know, you get these different names of mutual funds, right? You always, you know, if you're looking at your 401K, right, one of us, when you have a 401K, you're stuck with a certain number of choices, and you'll read down and you see, you know, international funds or, you know, emerging market funds. And, you know, kind of our beef over the years now has kind of been, you know, Why would you want to hamstring yourself, right, to say only international stocks? Well, of course, you know what, you're going to get some Nestle in there, right? You're going to get a lot of these, you know, standard names in there. But in reality, right, you know, Microsoft should be in there because they sell plenty of things to Europe. They sell plenty of things around the globe. And so when you're, you know, when you've got these, like, strict mandates on these, you know, quote, unquote, international funds, it's, you know, it had a purpose years and years and years ago to, you know, nowadays to really think it's a, you can get the same exposure elsewhere in a different way without some of the currency risks that you have within some of these international funds.
SPEAKER 07 :
Yeah, this advisor is not interested in those Chinese stocks, by the way. I mean, I'm just simply pointing out some of the arguments you see out there on the social media platforms.
SPEAKER 06 :
Yeah, and we get questions, like I said, both ends of the spectrum where you've got clients maybe wanting or asking about Chinese exposure and then others wanting to avoid it. We get it from both ends, bottom line economically when you look around the globe. The point really was that America's exceptionalism from an economic standpoint continues to hold through. I saw something where I think retail sales actually declined in the UK for For December, I couldn't help but think about, you know, it must have been a rough Christmas for the kids in the U.K. this year. You had, well, it says retail sales dropped 0.3% in December, and the estimate was a 0.4% increase, by the way. So that's a .7% miss. And, you know, you've got, you know, other issues in the euro areas. Inflation ticked up a little bit. They've got, certainly we've highlighted, they've got a growth problem. And, you know, they've got inflation at 2.4%. I'm not sure if the eurozone is growing at 2.4%. So that's, you know, that's a longer-term problem. And that's where, like I said, I think in terms of the Trump administration coming in, the trajectory of the U.S. economy, right, to me, at worst, right, keeps it on track. I heard folks on the financial news this morning referring to the Trump put. Meaning, right, that, you know, he, you know, is any indication of the, you know, his last four, you know, the first four years, you know, he pays attention to the markets, right? He watches that number and, you know, will, you know, just as the old Fed put, meaning, you know, they'll help continue to prop up risk assets, I think, right? And, you know, Trump's got a good eye on those things as well and wants them to succeed. So in this case, you know, I think the market and the administration are all going to be on the same team, right? Absolutely. Yeah, and the other piece, I guess, of what we've seen this week, right, like I said, it should turn out to be the best week in the NASDAQ since the election. And two things have driven by. Obviously, we talked yesterday about the earnings outlook, earnings picture. Certainly not a ton of companies reported, but certainly a good start to earnings season. It'll be interesting to see Bill's earnings grades as the weeks go on in terms of what earnings season is shaping up to be. But the other side this week was interest rates. We mentioned there's two sides of that valuation equation, one being earnings, the other side being PE ratios or multiples, how much people will pay for those earnings. And interest rates dropped pretty significantly this week, which is helping valuations and helping the market bounce back off of those earnings. support levels that Bill has been highlighting in the newsletter. But we're done with the first three quarters of the show. We'll be back for the fourth and final quarter of the Best Docs Now show. We'll be right back.
SPEAKER 08 :
You've got to go where you want to go. Do what you want to do and do whatever. You wanna go Do what you wanna do
SPEAKER 06 :
And welcome back to the fourth quarter, fourth and last quarter of the January 16th edition of the Best Docs Now show. I am Barry Kite, planer analyst here at Gunderson Capital, sitting in for Bill today. And we also have Jeff Webster on the show. He's our vice president and also advisor here at the firm. I guess I want to take a quick minute. I want to wish... Wish our captain, Bill, a happy birthday weekend. I know everyone at the team is thankful for him and hope he enjoys a well-deserved three-day weekend with the market closed on Monday. So I just want to wish him a happy birthday and hope him and the family have a good time.
SPEAKER 07 :
You're having a great time together. Absolutely. He's communicated with me a few times, and they're having a blast. He's with his family, a couple of his grandkiddos, and they're just having a really good time.
SPEAKER 06 :
Yep, and excited and happy that they're able to do that. Well, one person I wanted to get to this yesterday, and Bill should really be the one to read this because we've certainly followed him for a period of time. But it was interesting, I guess, yesterday or the day before yesterday, news kind of came out on – Nate Anderson, the Hindenburg, known as Hindenburg Research, the founder of Hindenburg Research, the big short seller that you've heard us reference before. One of the most recent ones was the SMCI one that he really kind of took them down. Of course, they've bounced back a bit, and I guess a lot of that stuff, I guess we'll find out if it was you know, any of it was true or not true. But at this point, I don't think anything's really stuck there. But, you know, he had the report on Nikola, if you remember that one back, you know, that was one of the first big ones. He also took down Carl Icahn, IEP, and then Supermicro being one of the more recent ones. Carvana was another one. But basically just decided to close the doors and disband. I know short sellers have been getting a lot of – certainly have gotten a lot of flack over the last few years. You've had – You know, big Jim Chanos, who was in the hedge fund industry for years, he shut down his fund in 2023. I think recently, I know the SEC was knocking on the door of, I think, Andrew Weft is his name, a short seller from Citron Capital. So that's, you know, the piece of the industry that's, you know, number one, they're designed to kind of shed the light on, you know, kind of help investors, right? I mean, there's some things they do good, right? Keeping companies in line, making sure they're, you know, doing what they should be doing. And, you know, I've always heard that, you know, it's always easier to find a company to short than one to buy, which makes sense when you look at, you know, Bill, look at our... Sometimes you only have 200 names in the B plus or better category, which means there's almost 4,800 names in the app that might not be as investable. But it's just an interesting dynamic. That name has been around for a while, and they're closing their doors. It'll be interesting to see, I guess, what they've got going on next. I always love these lists, Jeff. I've got the best and worst performers in the S&P so far in 2025. Give them to us. Yeah. Obviously, we won't take too much time on this list. It's only been 17 days or so. But, yeah, we've got top worst names. Let's go worst first. Edison International, EIX, down 23.3%. Moderna, down 19.5%. That name is certainly... Been all over the place since COVID, right? Constellation Brands, STZ, PG&E Corp. My guess is that's due to the fires in California. And On Semiconductor, you may be more familiar with them than I am. ON is that symbol down 14% for the year. Winners, it's an interesting list when I look at it right now. Constellation Energy, CEG, that's one we own, so up 40% for the year, and this is as of yesterday, I believe. Walgreens, number two, that's not on my bingo card, up 35.8%, by the way. Vistra, number three. That doesn't include, I don't know how much they're down today with that battery fire. Yeah, real quick.
SPEAKER 07 :
There's that fire up there in northern California in the Monterey Bay area. Their lithium ion battery plant looks like they're down about 2.3% today. Small piece of their business, but certainly something that's impacting their stock price today.
SPEAKER 06 :
Yeah, and I saw it. It's tied to some of the renewable energy resources used to essentially big battery warehouses, essentially, that store power. store energy that was created usually via renewable ways and then stored for battery usage later. So, yeah, that's a big fire they have there. But, yeah, they're up 28.5% so far year to date. Number four, Texas Pacific Land Corp., which Bill has talked about a good bit. Obviously, land lease, that's going to be a big piece on the Trump side. that they've gotten a boost from, and then they're up 24.7% for the year. And the last one, Micron MU, up 23.9%. Micron's an interesting one. I feel like it's one of those, if you're not in it for the two days that it goes up 10% or 14%, then there's no need to be in it. It's such a volatile one and moves quickly.
SPEAKER 07 :
I mean, ironically, when you talk about those, you know, one of the chip companies that we haven't been real bullish on, we talk about occasionally is Intel. Intel is up 7.5% right now.
SPEAKER 06 :
Yeah, on news that there, you know, potentially could be a – someone could buy them out. I know Qualcomm apparently where it is that they've made a bid at least for part of the business, if not the whole thing, and then – So the personal computing intel that we've known since really the computer revolution, right, especially the personal computer, right, well, who knows? Maybe changing hands at some point. At least it appears that investors would like that given the fact that they are – up pretty significantly today, one of the leaders out there. Well, that's all the time we have today. Of course, enjoy the market holiday on Monday for MLK Day and the inauguration festivities. Sounds like those parties are already starting in D.C. But if you'd like to give us a call, 855-611-BEST. That's 855-611-2378. Or you can reach us at GundersonCapital.com. Have a great weekend, everyone.
SPEAKER 02 :
...solicitation to buy or sell any securities. Bill Gunderson or clients of Gunderson Capital Management may have long or short positions in stocks mentioned during the show. Past performance is not indicative of future performance. Gundersen Capital Management is a fee-based registered investment advisory firm. All accounts are held at Charles Schwab. Schwab is a member of SIPC and FINRA.
Volition is your ability to choose. God gave us free will. With our freedom to choose, using volitional responsibility, most of the time we cause our own misery and suffering through the bad decisions we make. Wrong thinking, a human viewpoint is a self-imposed misery. Volitional responsibility applies to wrong thinking; wrong motivation; wrong decisions; and wrong or impulsive actions. “For he who does wrong will receive the consequences of that wrong for which he has done for there is no partiality with God” (Col 3:25). We can make a wrong decision based on sin, human good, and evil resulting in evil, erroneous emotions in our life, bad judgment, and false teaching. Self-induced misery and divine discipline can result. “He who sows wickedness reaps trouble and the rod of punishment will surely come” (Prov 22:8). “Occupation with the Lord is the instruction for wisdom but before honor, there must come humility” (Prov 15:33). “He who gets wisdom loves his own soul and he who cherishes understanding prospers” (Prov 19:8).
Click for Full Transcript: https://rhem.pub/volitional-responsibility-fbac35
Volitional Responsibility
Transcript of FLOT Line Episode 640 aired on December 10, 2017
Good morning and welcome to the FLOT Line. I'm your host Rick Hughes and for the next few
minutes I’d like to ask you to stay with me. The FLOT Line, 30 minutes of motivation, some
inspiration, a whole lot of education, and it's all designed to remind you of Biblical truths and
introduce you to a new way of studying, an in-depth way of learning God's Word. It’s all done
without any type of manipulation or even any solicitation. My job here is to verify for you and
identify for you, if I can do this, God's plan and I hope your job will be to orient and adjust to the
plan. Remember, the FLOT line stands for an invisible line of troops in your soul. It’s a new way
of thinking. It’s forming a main line of resistance that keeps the outside sources of adversity
before they ever become the inside sources of stress. That's why we always say, adversity is
inevitable, stress is optional. By learning God's unique resources, those problem-solving devices,
you are able to keep the adversity at a distance. You're able to have divine viewpoint. You're able
to maintain a relaxed mental attitude and you're able to not get stressed out over anything in your
life. That's one of the advantages of being a Christian. We have so many advantages and
sometimes we have to make a course correction in our life when we get off track and forget those
advantages. That's what I want to remind you about today, having a course correction, taking a
look at yourself and seeing some of the things that maybe we need to correct. Today I want to
talk to you about volitional responsibility.
What is volition? It's your ability to choose.
God
gave you a soul, the invisible immortal part of you and this soul has mentality. You have the
ability to think and to logic and to reason and to comprehend. You also have volition and that's a
decider, a chooser. God did not make you into a little bitty automaton or a robot.
God gave you
free will, the freedom to choose, and under the law of volitional responsibility most of the
time we cause our own misery and our own suffering.
A specific cause for suffering,
especially in believers, is that we make our own misery. About 90% of the suffering we go
through is self-induced by mismanaging our money, mismanaging our health, or mismanaging
our personal relationships. Every human being, whether a Christian or not, has to take the
responsibility for their own decisions and for their own actions in life. We need to understand
that we cannot blame other people for our misery.
We cannot blame other people if we’re
unhappy and we cannot blame other people for our suffering. We must take full
responsibility based on our own wrong decisions
related to our associations in life, our
activities in life, our motives in life, and our functions in life. Because it is inevitable that
throughout all of our life as a Christian we are going to sin. We may get into performing human
good thinking that it’s glorifying God when it's not. It's really just evil. And we may fail by
getting involved in evil. Volition is the cause for every sin, even in insanity or neurosis or
psychosis or sociopathic behavior. It's always the volition. So God states the law of volitional
responsibility in Galatians 6:7,
“Be not deceived, God cannot be mocked. Whatever a man sows,
this he will also reap.”
Under the law of volitional responsibility, everyone of us inflicts on
640-Volitional-Responsibility-transcript.pdf
ourself unbearable suffering much of the time from, for example, our personal sins. And we get
under divine discipline when we don't rebound and recover from these sins. We suffer from the
function of immoral degeneracy in our life. We suffer when we grieve the Holy Spirit and
quench the Holy Spirit and we suffer many times because we don’t have any common sense and
we make some seriously bad calls, bad judgments because we get subjective and we get arrogant.
We overestimate our own abilities or we fail to see ourselves as we really are.
Both a believer
and a nonbeliever, the disadvantaged person, have to function under the law of volitional
responsibility not only in regard to sin but also from the perspective of the laws of divine
establishment.
These are the operational laws for the entire human race within the framework of
a national entity like America. There can be intense suffering when we violate the sacredness of
life, property, privacy, by committing criminal acts and there's also suffering when we reject our
responsibilities in freedom. Many of our wrong decisions come from our own arrogance so God
seeks to protect you and me from this. He’s provided parents, police officers, pastors, coaches,
bosses, all of these are types of authority and we are to orient to this authority. You know, it's
obvious since the fall of Adam that man is essentially kind of a fool. This is proved by a
tremendous amount of suffering we experience throughout every generation in human history.
The reason is because we’re all born with handicaps. Some of them are genetic handicaps and
flaws, these are things you're born with, the tendencies you have. Some are acquired handicaps,
acquired environmental handicaps like drug addiction or alcoholism. Maybe your parents were
alcoholics and you know you're not suppose to be drinking but you do anyhow and you become
an alcoholic. That's a genetic handicap. Then we make decisions and we handicap ourselves with
our own arrogance flaws and this adds up to suffering.
We have genetic tendencies and we
have chosen tendencies, things that we choose ourselves, the acquired flaws in our life.
You
may be suffering because of a flaw, an acquired flaw, a lust for something in particular. This is
where we get into real problems. So essentially we manufacture our own problems and the result
is suffering. But wonderfully stated, God manufactures solutions and blessings in the middle of
suffering because only our God has provided a system that can turn all cursing into blessing and
this is through the rebound technique.
If we are suffering because of sin, because of evil,
because of mismanagement of our life, mismanagement of our circumstances, if we go to
the Father and we admit our sin, all suffering is turned to blessing.
The pain may continue
for a while but for a different reason, not because He's trying to discipline us, but because we are
needing to learn something. There are some ways you can make yourself miserable under the law
of volitional responsibility. It applies in several categories of your life. Things you think, the
reasons you're motivated to do certain things, the decisions that you make, and your actions.
Let’s consider this one first.
Negative or wrong thinking is self-imposed misery.
What’s
negative thinking? It's human viewpoint thinking.
The Bible clearly states in Philippians 2:5,
“Let this mind be in you that was also in Christ Jesus.”
We are to think like Christ thought, the
Bible clearly says in 1 Corinthians 2:16, the Bible is the mind of Christ. As we learn God's Word
and we acquire divine viewpoint, we begin to think correctly. We don't think wrong. Thinking
640-Volitional-Responsibility-transcript.pdf
wrong is thinking in terms of arrogance, blind arrogance and you begin to see yourself as you’re
not. You think you're something but you're not. That's having a false self-image, unrealistic self-
image and over-estimation of your ability to do something. Negative thinking includes any type
of wrong mental attitude, arrogance, any type of bitterness, any type of antagonism, things that
cause you to react in your life, things that cause you to get out of the plan of God rather than
responding by thinking divine viewpoint.
Wrong thinking leads to wrong motivation and
that's also a type of self-imposed misery in your life.
Wrong thinking, wrong motivation, and
we enter into self-imposed misery long before we make any decisions that cause a lot of
suffering. Then we get to our decisions, we make a wrong decision and this brings more misery.
Wrong decisions lead us to wrong actions. These wrong actions can be classified in one or
two ways, deliberate wrong actions or impulsive wrong actions,
which is nothing but self
gratification or self-induced misery usually based on your emotions. Let's go over this one more
time. Listen carefully.
There are several ways to make yourself miserable and the law of
volitional responsibility applies to each one of these: wrong thinking, wrong motivation,
wrong decisions, and wrong actions.
The Bible clearly says in Hosea 8:7,
“They who sow to
the wind shall reap the whirlwind.”
In Colossians 3:25,
“For he who does wrong will receive the
consequences of that wrong for which he has done for there is no partiality with God.”
There are
several categories of wrong decisions which produce this self-induced misery that I'm talking
about under the law of volitional responsibility.
The first one would be a wrong decision based
on sin.
You know what sin is. You don't need me to tell you. Sin can be something you think,
something you say, or something you do. When you make a wrong decision based on one of
these motivations to sin, to think something you shouldn't think in the form of lust, to say
something you shouldn't say in the form of lying or criticism or backbiting or slander, or to do
something you shouldn't do, the result of some actual sin like drunkenness or adultery or
fornication or stealing, these are wrong decisions based on the sin nature. And when you get
involved in this you're going to come under the hammer from God. If you are suffering today, it
may be the hammer of God disciplining you. You have to make this decision but if you think it is
true, then rebound the sin and God will turn the suffering into blessing.
Another way we suffer
is from wrong decisions based on human good. Human good is not divine good. Human
good is doing something that you think is right but you do it in the wrong way.
For example,
prayer can be human good. There's a right way to pray and a wrong way to pray. So you can pray
all you want to but if you're praying in the wrong way it’s not going to go any higher than the
ceiling. That's why I've told you this verse that says,
“If I regard iniquity in my heart, the Lord
will not hear me.”
Sin quenches the ministry of the Holy Spirit. Sin grieves the Holy Spirit. And
any good that you do for God while the Holy Spirit is quenched or grieved in your life is human
good. 1 Corinthians 3:11-16 calls it
“Wood, hay, or stubble.”
When you make a wrong decision
based on human good it's wood, hay, and stubble. It does you no good. You can make a wrong
decision resulting in evil in your life.
Evil is the perpetuation of Satan's plan for the
glorification of mankind.
All humanism, progressivism, anything like this is evil, this is Satan's
640-Volitional-Responsibility-transcript.pdf
genius. You know, the progressive or the humanist may say, “If we just put a chicken in
everybody's pot. If we can give everybody the same amount of money. If we could give
everybody this or that, then we wouldn’t have any more crime, no more sin. We would all be
happy.” That's not true. No one can solve the problem of the sin nature. We all have it. Even the
president has a sin nature, even a king has a sin nature, even a Catholic Pope has a sin nature.
Every man born has a sin nature and we cannot eradicate the sin nature because it's part of our
Adamic curse.
“For by one man sin came into the world, and death by sin and now death is
passed on all for all have sinned and the wages of sin is death.”
When we allow our sin nature to
get in control of our life and to promote the satanic plan of humanism, progressivism, socialism,
these are all evil. This is saying that, “If we can make everybody equal, then we’ll have a utopia
and we’ll all be in great shape,” and that is not true. Our Lord Jesus Christ said,
“You will always
have the poor with you.”
Our Lord Jesus Christ said,
“There will always be wars and rumors of
wars.”
The Lord Jesus Christ warned about this. The satanic plan is the smokescreen that leads
you to get involved in his self-vindication. He doesn't want to go to the Lake of Fire. He's been
sentenced to the Lake of Fire and he spends this time in the angelic conflict trying to vindicate
himself by means of you failing and you buying into his plan.
We can make a wrong decision
based on our sin, based on human good, based on evil resulting in evil, and we can make
wrong decisions based on erroneous emotions in our life.
It’s the worst reason to make any
decision. Emotions don't think. Emotions don't rationalize. Emotions have no common sense and
that's why when emotions get in control of the life of someone, mistakes are made, especially in
the lives of young people who think they're in love and their emotions take over and the next
thing you know we have a problem and this is true with adults as well. We cannot live by means
of our emotions.
Emotions are wonderful. I enjoy a wonderful sunset. I enjoy a wonderful
sunrise. I enjoy family time. I have so many things that my emotions appreciate but they don't
dictate, they are not designed to dictate.
Emotions will take over your life if you let them. You
have to learn to think divine viewpoint.
It doesn't say, “Let these emotions be in you that were
in Christ Jesus.” In Philippians 2:5 it says,
“Let this mind be in you that was in Christ Jesus,”
so
you cannot allow erroneous emotions to control your life.
You can also make wrong decisions
based on bad judgment in your life.
That's a very common cause and really it's due to a lack of
you having any common sense, you being disoriented to life and not knowing your own
limitations. You can make wrong decisions based on lust.
Finally, you can make a wrong
decision based on some false teaching that's not true.
Self-induced misery and divine
discipline are all illustrated in the Word of God. In Proverbs 22:8,
“He who sows wickedness
reaps trouble and the rod of punishment will surely come.”
It couldn't be any clearer than this
could it? Self-induced misery causes divine discipline. Proverbs 11:22,
“As a golden ring in a
pig’s snout, so is a beautiful woman who lacks discretion,”
self-induced misery. This woman can
get so carried away with her beauty that she makes a lot of bad decisions in her mental attitude
and she brings upon herself misery. Any woman can do the same thing but with a lovely woman
it’s much more obvious because she uses her looks to appeal to those who have emotional fire
640-Volitional-Responsibility-transcript.pdf
and this can lead to terrible decisions. In Proverbs 12:13,
“In the transgression of the lips
[which
is the sin of your big mouth]
is an evil snare.”
Yes it is, it's called triple compound discipline,
Matthew 7:1-2.
“In the transgression of the lips is an evil snare, but the righteous will escape
this trouble.”
In other words every time you judge somebody, every time you malign somebody,
gossip, rundown, you are manufacturing misery for yourself. Matthew 7:1-2 says,
“Judge not
lest you be judged because of what measure you measure, it will be measured to you.”
So when
you judge or you malign an individual, whatever you’re accusing them of, that's the discipline
you will receive. God takes it off of them even if it's true and gives it to you. So it's always a
better thing to keep your mouth shut and not stick your nose in other people's business. Of course
it’s going to get chopped off by God.
In Proverbs 13:20,
“He who walks with the wise man will
be wise, but the companion of a fool will suffer misery.”
We make good and bad decisions with
regard to the people with whom we associate. Obviously, if you associate with the wrong crowd
then you’re making a decision, a volitional decision that’s going to cause you a tremendous
amount of unhappiness and suffering in your life. Why did you associate with the wrong crowd?
What was your motivation for doing this? Oh, you were trying to get someone to like you. You
were trying to have an affinity with someone. You didn't have the courage to stand alone. You
needed the support of weak people, bad, bad decision. In Proverbs 15:7,
“Better is a dish of
cabbage where love is concerned than a fatted calf
[a Châteaubriand]
and hatred with it.”
In
other words, you not only choose your food but you must choose the people that you associate
with. Bad decisions will limit future options.
There is cursing by association and there is a
blessing by association.
When you associate with criminals, when you associate with evil, you
will get discipline. Proverbs 15:33,
“Occupation with the Lord is the instruction for wisdom, but
before honor there must come humility.”
Any good decision that you make based on humility
will eventually lead to honor. Based on humility includes virtue love, it’s a problem-solving
device. We have motivational virtue, which is your personal love for God and we have
impersonal love which is functional virtue. This is you loving based on who you are not based on
who they are. If you make a good decision from humility, which is orientation to the Word of
God with the mind of Christ, and you're able to function with unconditional love, then there will
be honor. Proverbs 16:18 says,
“Pride
[or arrogance]
goes before destruction, and an arrogant
way of life goes before a fall.”
So both destruction and fall refer to self-imposed, self-induced
misery because you violated the law of volitional responsibility. Proverbs 17:1,
“Better a dry
crust with tranquility
[that's peace and quiet]
than a house full
of religion
[or
sacrifices
]
and
strife.”
“Better a dry crust with tranquility than a house full of religion and strife.”
So you can
understand this one, “tranquility, peace and quiet is better than sacrifices.” In Proverbs 17:13,
“He who returns evil for good, evil will not depart from his house.”
In other words, it will not
only affect him but it will also affect everyone associated with him.
This is compounding your
self-induced misery to include your family.
If you return evil for good, then evil will not depart
out of your house. That's revenge motivation, that’s retaliation, that’s someone treating you good
and then you sticking it to them when their back is turned and it will affect you and affect your
640-Volitional-Responsibility-transcript.pdf
whole family. Proverbs 17:20,
“A person with a perverse right lobe
[in other words a deviation
from what is right, being obstinate or petulant, being willfully wrong]
does not prosper. He
whose tongue is deceitful falls into trouble and misery,”
more self-induced misery from the law
of volitional responsibility because you can't control your tongue, you can't control what you say.
If you don't learn to control your words, you will be miserable most of your life.
Proverbs 19:8,
“He who gets wisdom loves his own soul and he who cherishes understanding prospers.”
Proverbs 19:15, there’s a lot of verses here,
“Laziness brings on a deep sleep and the shiftless
person will suffer hunger.”
Proverbs 19:16,
“He who obeys instruction guards his soul but he
who is contemptuous of his own ways will die.”
Proverbs 19:19,
“A hot tempered man must pay
the penalty. If you rescue him, you will have to do it again.”
Proverbs 20:19,
“A gossip betrays a
confidence, so avoid the person who talks too much.”
In other words, don't associate with people
that gossip or you will wind up receiving misery, it's cursing by association. In Proverbs 21:19,
“Better to live in the desert than with a quarrelsome and nagging woman.”
In other words,
making a wrong decision in choosing your marriage partner will cause you to have a life of
misery. All of these verses are always there to remind you what God has said about self-induced
misery. In Proverbs 22:8,
“He who sows wickedness reaps trouble
[that's the law of volitional
responsibility]
and the rod of God will come to punish him.”
Proverbs 23:27,
“A prostitute is a
deep pit and a strange woman is a narrow well. Like a bandit she lies in wait and multiplies the
unfaithful among men,”
bad decision to associate with a prostitute.
The Bible is clear, the law of
volitional responsibility and the law of divine punitive action.
That’s the first time I said this,
listen, the law of divine punitive action.
The first one, under volitional responsibility, we hurt
ourselves and in the second one, the law of divine punitive action, God brings us discipline.
There are three items in the procedure of dealing with problems. You must recognize your
problem, your problem is sinning after you got saved. You must utilize a solution which is the
rebound technique, problem-solving device number one.
“If we confess our sins He is faithful
and just to forgive us.”
And you must develop the 10 problem-solving devices including a
personal sense of destiny and personal love for the Father and then you can share the happiness
of God and be occupied with Christ
.
If the emphasis for God doesn't have the priority in your
life, then all your interactions with people will constantly put you out of fellowship and you'll
constantly be making bad decisions. Every bad decision you make, motivated from your sin
nature, comes under the law of volitional responsibility and divine punitive action. Did you hear
me?
Divine punitive action - God doesn't look forward to disciplining you, but He will, and
maybe that's what's going on in your life right now.
You must choose, you must decide, it's up
to you. I’ve made it clear, I hope you’ve understood. Until next week this is your host Rick
Hughes saying thank you for listening to the FLOT Line