Christ came to deliver you from the penalty and the power of sin in your life. Sin is anything contrary to God’s character or acting independently of Him and His provisions. Sin can be something you think, say or do. It’s not a sin to be tempted. There is no such thing as sinless perfection. “If we say we have no sin, we deceive ourselves and the truth is not in us” (1 John 1:8-10). If you reject God’s Word and His will and stay in carnality, expect God’s discipline. “He that doeth wrong shall receive for the wrong which he’s done and there is no respecter of persons” (1 John 1:8-10).
Click for Full Transcript: https://rhem.pub/three-letter-3a3f3c
Three Letter Word Called Sin
Transcript of FLOT Line Episode 635 aired on October 29, 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. The FLOT Line is designed to remind you of Biblical truths and
introduce you to a different way of studying, an in-depth way of learning God's Word. It's all
done with no manipulation, no solicitation, simply 30 minutes of education, some motivation,
some inspiration. My job is to verify and simply identify God's plan for you and hopefully you
will orient and adjust to this plan. The plan starts with the good news that Jesus Christ, the
anointed Son of God, redeemed us out of the slave market of sin. Thus our debt to God has been
paid and we are now free of the penalty of death and the power of sin in our life. When you
receive Christ as your Savior you are in effect accepting the offering that He made on your
behalf, a free gift complements of the grace of God. That's why the Bible says,
“For by grace
are you saved through faith and that not of yourselves, it is a gift of God and not of works lest
any man should boast”
(Ephesians 2:8). Titus 3:5-7 says,
“Not by works of righteousness which
we have done, but according to His mercy He saved us by the washing of regeneration and the
renewing of the Holy Spirit, which He shed on us abundantly through Jesus Christ our Lord that
being justified by His grace we should be made heirs according to the hope of eternal life.”
That's what The FLOT Line is about, giving you the Word of God, not preaching, not yelling, not
jumping up and down, not begging you for money, not trying to sell you something, simply
giving you some information. Today we want to talk about a little three letter word called sin. Sin
is that three letter word none of us like to talk about. Many today don't believe in this word
anymore. It seems that everything that use to be evil has now become good and all that use to be
good is now evil. I think it's because arrogance has a way of doing this. Arrogance has a way of
twisting and distorting and justifying actions to meet our emotional needs.
In God's eyes, let's
get this straight, sin is anything contrary to His character or even acting independently of
Him and His provisions.
God's character is sovereignty and righteousness and justice always
surrounded in love. His motivation for us is always love and His character cannot be
compromised. The justice of God is always the guardian of the righteousness of God. Thus what
the righteousness of God rejects, the justice of God has to judge. The Bible tells us in Romans
3:23 that all of us, me, you, everybody,
“We've all sinned and come short of the glory of God.”
It
didn’t catch God by surprise since He knew all about sin in eternity past. That's because He's
omniscient meaning He's all-knowing and it allows Him to know every sin that would ever be
committed by any member of the human race. He's God. Not all sin is the same. Does God know
everything? Yes. Does God know every sin I would ever commit? Yes. Well, is all sin the same?
The answer is no, it is not all the same,
but fortunately the solution for sin is the same.
We
will get into different sins here in a minute but the solution to any sin is the same. Every sin that
was ever committed by any human being in eternity past or eternity future as long as we’ve been
here, it was all judged by God on the cross where the justice of God sacrificed His own Son to
635-Three-Letter-Word-Called-Sin-transcript.pdf
satisfy the penalty of sin.
Jesus Christ, the Son of God, accepted the imputation of our sins
because He loved us.
He tells us this in John 3:16,
“God so loved the world that He gave His
only begotten Son, that whoever believes in Him should not perish, but have everlasting life.”
That's the operative word, loved, and that's what I never had in my life. As a young man growing
up I didn't think anybody loved me. I never knew my father, never met him. Still to this day I
don't know who he is or was. I knew my mom loved me but she had a hard time raising me, not
that I was a troublemaker, but I was just a teenage boy. I wanted somebody to love me. I never
knew God loved me. Wherever you are right now, let me emphasize this to you. I don't care what
you've done, where you’ve been, who you are, God loves you. He gave His Son for you. You
should thank Him for this because He alone loves you more than your wife, more than your
husband, more than your children. I know you've never seen Him but He loves you and this verse
tells us this. Then listen to John 3:17,
“God sent not His Son into the world to condemn the
world, but that the world through Him might be saved.”
That's why Christ came, to deliver
you from the penalty and the power of sin in your life.
Now the Bible talks about different
types of sin. Let me identify this for you, okay?
The entire human race has imputed sin.
We
were all counted guilty when Adam committed that first sin in the Garden of Eden. Romans 5:12
says,
“Wherefore as by one man sin entered into the world, and death by sin, and so death has
now passed upon all men, for all have sinned.”
When Adam sinned he received a sin nature and
every child that’s born has a sin nature as a result of Adam. Nobody sat you down and taught you
anger or how to be jealous, these are inherent in your soul. Arrogance is an inherent attitude of
the sin nature. We all have a sin nature. The Bible says in 1 Corinthians 15:22,
“For in Adam all
die, so also in Christ shall all be made alive.”
All die refers to spiritual death.
We are born
physically alive but we are born spiritually dead. Thus the need to be born again, not
physically we can't be born again physically, but the need to be born again spiritually.
Our
human spirit is dead, spiritually dead. When we believe in Jesus Christ and receive Him as our
Savior the Bible says,
“If any man is in Christ, he is a new species. Old things are passed away
and all things become new”
(2 Corinthians 5:17). When we believe in Jesus Christ we are born
again spiritually and that's when the journey begins for you and me. The imputed sin is still there
because we are related to Adam and we also have inherent sin, we inherited the sin nature.
Adam's original sin was imputed to me. I also received the sin nature, Psalm 51:5 tells me this,
“Behold, I was shaped in iniquity and in sin did my mother conceive me.”
By having that sin
nature I’m able to commit personal sins. Some of them I'm aware of, some of these I know are
sin and some are unknown sin. Known sin, things you do that you know are sin and unknown
sin, things you do that you don't realize are sins. Sometimes if I’m listening to sports talk radio
and I enjoy this, keeping up with the football scores this time each year, there's an awful lot of
slander. There's an awful lot of gossip, maligning and criticizing. These are all sins. That's what
sports talk radio shows are all about. You ought to hear the people call in to criticize the coaches,
malign the coaches, run the coaches down, criticize the players, run them down, and the radio
host feeds this emotion. Maybe people don't realize they're sinning when they slander or judge or
635-Three-Letter-Word-Called-Sin-transcript.pdf
malign another person. The greatest sin ever known to man, what is that one?
The greatest sin
ever known to man is to reject Jesus Christ as your Savior.
John 3:18 says,
“He that believeth
on Him is not condemned but He that believeth not is condemned already, because he hath not
believed in the name of the only begotten Son of God.”
If you're listening to me today and you've
never accepted Jesus Christ as your Savior, you are already condemned. You don't have to wait
until you die to receive condemnation, you are living condemned and if you do pass away
unfortunately you will wake up in hell. That’s just the way it is because the justice of God cannot
allow you into the presence of God because you haven't been redeemed, you haven’t accepted
Jesus Christ as your Savior, thus you will force the justice of God to condemn you. That's not His
plan. That's not what He wants to do. That's why He sent His Son for you, so you wouldn't have
to go through this. That's why Christ died on the cross. That's why
“He who knew no sin was
made sin for us”
(2 Corinthians 5:21), so you do not ever have to experience hell or the Lake of
Fire. How are we going to defeat sin in our lives? Back up just a minute, before we go any
further let me repeat this point. The greatest sin known to man is rejection of Christ as Savior,
John 3:18, I wasn't sure I gave you this verse, but let me make sure I do.
“He that believeth in
Him is not condemned but He that believeth not is condemned already because he has not
believed in the name of the only begotten Son of God.”
Have you personally received Jesus
Christ as your Savior? Have you ever personally told God the Father that you are believing in
Jesus Christ and you are willing to accept Him as your Savior? That’s a point of volitional
decision you must make. At some time in your life you and God must settle this. Is He your
Savior? Have you accepted Him? You don't have to join the church to do it. You don't have to
jump in the river to do it. You just have to pray. The Bible says,
“Whosoever shall call upon the
name of the Lord shall be saved.”
In the privacy of your car, in the privacy of your home, you
can accept Christ as your Savior. You can deal with God yourself and you can ask Him to save
you and He will. He's not a liar, He'll do this. Now, how do we defeat sin in our life? If you're not
a Christian this is not even of interest to you. If you're not a Christian, you've never accepted
Jesus Christ, you're already condemned regardless of what you do. You could live the nicest
lifestyle in the world, you could be the sweetest, purest, most wonderful person, never cheat on
your wife, never cheat on your taxes, never run a red light, never break the speed limit, and still
die and go to hell because you haven’t accepted Christ as your Savior. You see, deliverance is not
based on what you do or don't do. Deliverance is based on what Christ did for you and whether
you believe or don't believe this, whether you accept this or don’t accept this
. If you have
accepted this and you have accepted Christ as your Savior, then how are you suppose to
defeat the sin that comes into your life?
Colossians 3:5-10 tells us.
“Therefore, begin to put to
death the members of your earthly body
[and then we have a list of sins]
immorality, impurity,
passion, evil desires, greed, which amounts to idolatry. For it is on account of these things that
the wrath of God will come and in them you also once walked when you were living in them. But
now you also
[this is the Christian, you put these things aside]
put aside anger and wrath and
malice and slander and abusive speech from your mouth and do not lie to one another since
635-Three-Letter-Word-Called-Sin-transcript.pdf
you've laid aside the old self with its evil practices, being renewed to a true knowledge according
to the image of the One who created Him.”
Put on the new self. The new self is
“Being renewed
to the true knowledge according to the image of One who created Him.”
That’s you living in the
image of Christ. That’s you becoming Christ-like. Now when the Bible tells you to
“Put to
death”
that's a volitional decision on your part. Colossians 3:5,
“Put to death the members of
your earthly body.”
This doesn't mean kill yourself. That's not what it means. This is imagery
here. This is saying you must put to death the lust of the flesh. In other words, don't let it
continue to control you. Ephesians 4:22 tells us the same thing.
“Put off concerning the former
manner of life that old man which is corrupt according to the deceitful lust.”
How exactly am I
suppose to do this? How am I to put to death my flesh that creates the sins in my life even when I
don't want to do them sometimes? How am I suppose to control him? How am I suppose to put
off this old man which is corrupt? I mean, how do I get rid of him? You will never get rid of him.
As long as you're here you'll always have a sinful nature. You always have the ability to commit
sin in your life but you can control it. How you do it?
Number one, when you know you’ve
sinned use rebound very quickly.
Rebound is problem-solving device #1 in the FLOT line of
your soul. Remember, the FLOT line is made up of 10 unique problem-solving devices given by
God in His Word to sustain you while you're in the devil's world. The very first one is the
problem of sin. How do I handle sin in my life? 1 John 1:9 tells us,
“If we will confess our sin,
then He is faithful and just to forgive us and purify us from all of our wrongdoing.”
Any time we
commit a sin we must go to the Father and admit the sin.
Before I started doing this radio
show today I had silent prayer and I said, “Father, if there's any sin in my life right now show
me” because I don't want to get on the radio and teach a class with known sin in my life. I always
ask God to examine me, to show me my heart. Let me see myself. If there’s sin in your life, and
we’ll deal with the different types of sin, you must confess it, not to the priest but to God because
you are a priest. You are a believer priest. The Bible says this. You don't need to go to someone
else, you can go right to the throne room of God yourself and you can admit your sin to God.
Now, does this guarantee you won't do it again? No. What it does is it gets you back in
fellowship with God. See, when you sin your momentum in your spiritual life is halted. You're
not advancing. You've quenched the Holy Spirit. You’ve grieved the Holy Spirit. You’ve stepped
out of the spiritual life by allowing the flesh to take over. But when you go to the Father and
confess your sin, then you recover your momentum. You get back under the fellowship of God
the Holy Spirit and then you can continue. You know, sometimes to be honest, you may have to
confess your sin 10 to 15 times a day. It depends on the kind of day you're having. The objective
is to grow to where you avoid sin so you don't have to keep confessing sin, to recognize it, know
how to avoid it, and quit doing it. The first way that we get victory over the old man, the first
way we get victory over the flesh is to rebound or confess our sin when we know we've done it.
If we rebound, it says
He is faithful,
He does this every time.
He’s just,
He doesn't compromise
His righteousness to do this.
“He is faithful and just to forgive us and cleanse us from all
unrighteousness.”
The second step is grow.
If you're going to defeat the old man, if you’re
635-Three-Letter-Word-Called-Sin-transcript.pdf
going to keep him in check and under control,
“Grow in the grace and the knowledge of your
Savior, the Lord Jesus Christ,”
as per 2 Peter 3:18 so that you're not controlled by arrogance or
preoccupation with yourself. You have to know yourself. The arrogant person doesn't see himself
as he really is.
He sees himself as he thinks he is. The Word of God is a mirror, it'll show you
what you really are. So if you can grow in grace and knowledge, it means you submit to the
authority of the pastor. You listen to God's Word taught to you on a consistent basis and you
apply what you learn into your life.
Then the third step is to submit to the filling of the Holy
Spirit.
This is Ephesians 5:18 which actually takes place as soon as you rebound. As soon as you
confess your sin to God, you are filled with the Holy Spirit. You cannot live as a believer in the
devil's world in the energy of the flesh. You can't do it, you won’t ever succeed. You must live
under the filling of the Holy Spirit which is the promise that the Lord Jesus Christ gave you. He
said, “I’m going to go away but I’m going to send a coach,” a
paraclete
is the Greek word, the
comforter.
“I’m going to send Him to you and He will be in you and guide you and lead you into
all truth”
(John 16:13). If you don't allow the Holy Spirit to control your life, then you're never
going to be able to get victory over the flesh. That doesn't even count the world or the devil
because there are three enemies. The sin that I'm talking about right now would be the sin of the
flesh.
There are three areas of sin in your life you have to deal with including mental
attitude sins, Galatians 6:3.
Mental attitude sins, these are sins you can do seated in your chair,
not even opening your mouth or driving down the road honking the horn. Mental attitude sins
include hatred and arrogance. Fear is a mental attitude sin. Worry is a mental attitude sin. These
sins quench the Holy Spirit. They grieve the Holy Spirit. You have to be aware that when you sin
it's not just necessarily overt sins. You can sin in your mind and never open your mouth.
Another
type of sin is called the sin of the tongue and this is when you slander, malign, gossip,
criticize, backbite or vilify someone.
Ephesians 4:30-32 tells you don’t do this. It says you have
to
“Be kind to one another, tenderhearted, forgiving each other even as God in Christ forgave
you.”
You can commit a mental attitude sin, something you think. You can commit a sin of the
tongue, something you say.
You can commit overt sins by something that you do.
It could be a
sexually overt sin such as Romans 1:26-27. You can read this for yourself. You can see what God
mentions there concerning certain sexual sins, or you can read Ephesians 5:3-5 and again you
can see what God says about certain sexual sins. Overt sins are not just sexual sins. It could be
stealing. It could be murder. It could be some sort of overt action where you injure someone or
take someone's property. It could be a lot of different things, but these are sins also. Mental
attitude sins, sins of the tongue, overt sins, and some people even say there are sins of omission
where maybe you know what you're suppose to do and you don't do it. Sometimes you get
behind God or sometimes you get ahead of God because you’re impetuous.
Let’s leave it with
these three categories of sin: what you think, what you say and what you do.
You see, the
more you know about sin, the closer accounts you can keep with God. I would hate to know that
I went through the day and I sinned at 8 o'clock that morning and I didn't realize I sinned and at 9
o'clock that night I wake up and it dawns on me that I committed a sin that morning. Thus I have
635-Three-Letter-Word-Called-Sin-transcript.pdf
been out of fellowship with God all day. I know, it's impossible to name every sin you do. That's
why the Bible says,
“If we confess our sin, He is faithful and just to forgive us and cleanse us
from all unrighteousness.”
That's even the ones you don't remember. So if you get up at 8 o'clock
in the morning and you get angry at your kids or you get angry at your wife or you get angry at
your husband or you get angry at your boss and you might not say it, but you start thinking some
mean, nasty thoughts on what you would like to do to this person, to kick this person you know
where. Well then you better go to God and admit it to God and He will be faithful and just to
forgive you. He'll even forgive you of some things you forget because you do forget. Once you
start sinning, you start chain sinning, it’s worse than chain smoking. If you start chain sinning,
you’ll sin one right after another. The more you know about sin, the closer account you can keep
with God concerning your sins.
Let me say that temptation is not a sin.
It’s not a sin to be
tempted.
The source of sin is your human arrogance. That's where we use our volition to go
negative to God and do what we want to do. We reject God's Word, we reject His will, and we
say, “I’ve got a better way to do it God, see You later.” That's where all human arrogance starts
and that's the source of sin. That was Satan's source of his sin in heaven when he assumed that he
was as good as God, and he wanted to rule the heavens, take over God's throne.
Now there's no
such thing as sinless perfection. 1 John 1:8-10 tells us this.
“If we say we have no sin, we
deceive ourselves and the truth is not in us.”
I’ve met a couple of people that thought they didn't
commit sin and I made them mad enough to where they were sinning before we got through the
conversation. Until you know what sin actually is for sure, then you don’t even know whether or
not you're really in fellowship, right?
What about discipline for sin? The Bible says in
Colossians 3:25,
“He that doeth wrong shall receive for the wrong which he’s done and there
is no respecter of persons.”
In Hosea 8:7,
“For they have sown to the wind and they shall reap
the whirlwind,”
and that's him talking about national discipline on the Northern Kingdom of
Israel for rejecting God's plan for the nation. The process of discipline is seen in Hebrews
12:6-11.
“Those whom God loves, He chastens. He often scourges us, every son that He receives
and if we endure chastening, God deals with us as with a son. But if you're without chastisement
where everyone has, well you are not really a child, you're not really His son,”
and then it goes
on,
“We’ve had fathers of our flesh that corrected us and we gave them reverence. Shall we not
much more respect God and live.”
Proverbs 15:10 says,
“Correction is grievous to the one that
forsakes the way and he that hates the reproof of God shall die.”
You can check yourself out
too early by not listening to God's discipline, not rebounding, getting under discipline
continuously until you go out under the sin unto death. Divine discipline comes in three
stages: warning discipline, intense discipline and dying discipline.
I don't know where you
are in the process but you might want to look at yourself. You might want to ask God where you
stand in regard to this. You might want to take a real close look at your life. Until next week, I'm
your host Rick Hughes saying thank you for listening to The FLOT Line.
In this special episode, we chat with author Mike Goldstein about his groundbreaking book, The Adventures of Jimmy and Andrew. Designed to tackle the literacy crisis, this captivating story is perfect for both children and adults. Listen as we explore the book's origins, its engaging writing style, and how it serves as a powerful educational tool. Whether you're a parent, educator, or simply a book lover, this episode offers a fresh look at how stories can inspire and educate.
SPEAKER 14 :
It's finally Friday on Rush to Reason with your host, John Rush. So I tell him I'm a pro, Jack. And who do you think they give you? The Dalai Lama himself. So we finish 18, and he's going to sniff me. And I say, hey, Lama, hey, how about a little something, you know, for the effort, you know? And he says, oh, it won't be any money. But when you die, on your deathbed, you will receive total consciousness. So I got that going. And movie reviews with Andy Payne.
SPEAKER 18 :
I think that you got the wrong impression about me. I think in all fairness, I should explain to you exactly what it is that I do.
SPEAKER 17 :
What I do have are a very particular set of skills. Skills I have acquired over a very long career. Skills that make me a nightmare for people like you.
SPEAKER 22 :
What do you want to do tonight?
SPEAKER 14 :
The same thing we do every night, Pinky. Try to take over the world. Stick a fork in me, Jerry. I'm done.
SPEAKER 05 :
Now, here is your host of Rush to Reason, John Rush.
SPEAKER 08 :
All right, welcome. Friday edition, Rush to Reason, Denver's Afternoon Rush, KLZ 560. Myself, Andy Pate. How's Andy today? Andy's doing well. And yourself, sir? Always good. Thanks for filling in while I was gone. Happy to help. Appreciate it. We have Mike Goldstein with us as well. I've had Mike on before. So, Mike, how are you?
SPEAKER 16 :
I'm fine. How are you guys?
SPEAKER 08 :
How was your holidays?
SPEAKER 16 :
Fine. Great. Happy New Year, by the way. Happy New Year to you.
SPEAKER 08 :
All right, so talk to us about, we interviewed you before, but for those maybe that haven't heard you, talk to us about the adventures of Jimmy and Andrew, which I talk all the time during the week about this, and I said this past week that I gave one of these away to my grandson, who's seven, and Richard's oldest, Andy. And by the time we left and gave it to him, kind of open presence, hung around for a little while, and then left maybe an hour or so later, he was already like a third through. So the point is, it's very interesting, or he wouldn't have kept reading it.
SPEAKER 07 :
It's very hopeful, too. By next week, he'll be teaching Richard.
SPEAKER 08 :
Probably. Yes, absolutely.
SPEAKER 07 :
Yes.
SPEAKER 08 :
We're hopeful. But the point is, it's an interesting book.
SPEAKER 16 :
Well, thank you. And I'm glad your grandson's enjoying it. He loves it. I can't believe it's seven. That's fantastic.
SPEAKER 08 :
Yeah. It's fantastic. And I know from the interview we had last, you did this to be able to help younger kids especially, but really it's for all people, but for younger kids especially, to be able to read because our literacy rate in the U.S. is like in the tank.
SPEAKER 16 :
Yeah, it's out the bottom. Not too many kids at the age of your grandson are reading books like this. They'd be lucky to read Dick and Jane.
SPEAKER 08 :
Dr. Seuss. You're right. Go ahead, Andy.
SPEAKER 07 :
Mike, it's already a very different kind of writing style to gear it toward children, but how do you structure it to make it more educational to where it actually sparks their interest and sparks their mind, gets them thinking?
SPEAKER 16 :
Well, that's because all the subjects... that are discussed in the book are historically accurate and factually accurate. Every detail in the book is written that way. And so it ties into the story, everything. And so it's very interesting for the kids, but it also teaches them. And the book is... Like I said, kids can read this book. His grandson read it at seven, even though most kids go nine and above. But it's also for anybody, adults. People love the book. If you go to the website and you look at the reviews, of which there's like 300 reviews, a lot of the reviewers will say, well, this is great for my kids, but I liked it and I learned something. And this is not just for kids. They say it over and over.
SPEAKER 07 :
Well, I would assume that with a book like that, the amount of research that went into it has got to be many, many times what goes into the normal children's book.
SPEAKER 16 :
Yeah, or almost any book.
SPEAKER 07 :
Yeah.
SPEAKER 16 :
Good point. Because the whole point is that I wanted it – to tie into the history, but, but so it doesn't, so that everything in the story is accurate too, that it all flows, that everything works. So, so it has to be appropriate.
SPEAKER 08 :
It does. I mean, I've got a seven year old that's living proof that it does. So it most definitely does. Mike, you did a great job. And the other thing that I would tell you, and I said this during the week, So we as, especially conservatives, believe in helping others, partly what we do here on a regular basis. We educate, we teach, we train, and so on. And I talked about even some New Year's resolution type things on Wednesday during health and wellness. And one of those things, Mike, is learn to be kind and help others. That should be everybody's resolution all the time, be kind, help others. So I know there's folks listening that maybe don't have grandkids. Maybe their kids are all grown. but they've got coworkers, they've got neighbors, they've got church kids, they've got kids they know is my point. So where I'm going with this is think about it in that way. So you may not have somebody that you're directly connected to that you're gonna hand the book to, but you could hand it to the parent of one of them that you know and still get that book in their hands is my point.
SPEAKER 16 :
Exactly, exactly. And as far as the person enjoying it, well, one of the things about the book is is you want kids to be – if they're going to read, you want them really to be interested in the story. Engaged. And the story – one thing I can tell you about this book and the other books – is that it's unique. It's not the same story. You're not going to be able to figure things out. It's not like, oh, yeah, same old, same old. You know, like so many things. It's predictable. It's not a Hallmark book. It's not predictable at all. And that's what gets the kids and also adults engaged.
SPEAKER 14 :
Sure.
SPEAKER 16 :
Because the story is very different. It's about, I'll tell you a little bit about it, just the basic. I've mentioned it before for people who haven't listened.
SPEAKER 1 :
Sure.
SPEAKER 16 :
Heard it before. The book is about a nine-year-old boy named Jimmy who's always wanted a dog. He's always desired a dog, wanted a dog his whole life. And finally, when he's nine years old, on his ninth birthday, his parents feel he's old enough to have a dog and take care of it. And they take him to the Humane Society where he's allowed to get a dog. And it turns out that the dog that he gets is telepathic. And he finds out that the dog is immortal, has been walking the earth for over 3,000 years, born in Egypt to a normal canine family, but he's different. And feels that there's something before all that when he's born, but doesn't know what it is. And since he has normal litter mates, he spends the next century walking the earth trying to find clues to his origins or find others of his kind. And it's not until he meets Jimmy at the pound that he begins to discover clues to his elusive origins, which is a theme that goes through all the books.
SPEAKER 08 :
Gotcha. And I should also say, and I think last time you were on, Mike, we talked about this. So for all of you listening, this isn't a small little paperback book like what you would think of a Reader's Digest version. of a children's book. This is a full bore, full size book, full color. I mean, when you put this thing in your hand, which I've got a copy right now, I mean, this is high quality, very well made, full color pictures in it throughout. I mean, Mike, you did a wonderful job building a book that is something that nobody would want to ever throw in the trash. Let's just say it that way.
SPEAKER 16 :
And one of the things about it is, like you were mentioning before, a big concern is children's literacy. And so how do we get kids to get interested? Well, one of the ways is parents reading to their kids. Like I mentioned before, my son, my daughter, they were reading very young. My son was reading at that age, too. But it's because we read to them. And part of the way this book was designed is to engage the kids also in a read-together with their family so they can discuss it. Make it a family affair. Exactly. So the book is put together for that purpose. Yes, we have... electronic copies of the book. But the book was designed for the hard copy. Because it's seven and a half by ten and the full page illustrations are for every chapter. And the reason we did that is because I wanted to give it that graphic novel quality to engage it.
SPEAKER 08 :
For those of you, again, it's hard to describe on air, and Andy, you kind of know what I mean by this, but it's a very nice, well-put-together piece. This is not your average, thin paperback, you know, where the pages are going to tear easily. I mean, it's one of those things where if a young child is reading this, they're not going to tear it up, Mike.
SPEAKER 16 :
No, that's right.
SPEAKER 08 :
That's probably the best way for me to say it, right? It's a very nice piece. And so those of you listening, please order one today. You can do that by going where, Mike?
SPEAKER 16 :
Go to the website, jimmyandandrew.com.
SPEAKER 08 :
And again, even if you don't have kids and you don't have that ability to read directly, hand it to someone that can.
SPEAKER 16 :
Well, at the website, you can also go look at a free preview. And we have a four-chapter free preview and print replica that's just gorgeous. Awesome. Now, the one thing you're not going to get is the way that the illustrations appear in the book because that's something very special. Other books have not done it. Publishers would not do it because it's too expensive. Right. It's very expensive. It's very expensive because I did not want the book to be – The illustrations, like most all books, you find them at the beginning of the chapter. Well, then if it's something exciting and you read through it later on, then you're giving a preview of something. And then when you get to the scene, you have to flip back to see the illustration. So why not put the illustration right across the page from the actual scene so the person can see it while they're reading it? Well, publishers don't do that because you end up with extra pages. We ended up with like 17 extra pages.
SPEAKER 08 :
Which is a lot for a publisher, right?
SPEAKER 16 :
It's a lot. What do we do? We put drawings of the two characters that play on those, and it looks beautiful. But you have that, and this is something you can't get on the electronic, because you're going up and down. Here you can actually see it in the book the way it was designed, and here the kid is seeing it while you're reading it and reading. It's a beautiful piece.
SPEAKER 07 :
Well, Mike, if I may, really quick here. I think it's also good just to have young people get the experience again of having a book, a real book in their hands. Because what you're talking about, there's such a real problem of literacy in our country today. And I think so much of that is... First of all, because of the disinterestedness and distractedness. Everybody is so distracted and wound up and running so fast. They don't slow down. As a result, they're just not getting the building blocks they need.
SPEAKER 08 :
This will make them do that. Yep. to learn. Absolutely. So again, folks, Adventures of Jimmy and Andrew. It's jimmyandandrew.com. There's a code right now, too. Just put code KLZ in. There's a nice little discount for you if you do that. And as I said, even during the week, you may not have kids in your own home and feel like this is really something that's important to you. But trust me, we all know kids. We all know families that have kids. Buy a few copies and give them away as a gift because really the end goal here is to teach kids how to learn.
SPEAKER 16 :
And if you get two copies, we're giving away a free hat that they can just call in here and they'll send them one from KLZ. We're having one little thing. We're having a little bit of a glitch on our shop page today. So if they call up and the shop page is a little bit messed up, we're getting it corrected. So just call later today and then do it.
SPEAKER 08 :
Well, Mike, I always appreciate it very much. I enjoy what you've done here. My grandson does as well, so thank you very much for that. I appreciate it greatly. And Happy New Year and look forward to 2025 with you.
SPEAKER 16 :
Thank you.
SPEAKER 08 :
You're very welcome. All right, next, we've got Hi-Fi plumbing and electrical coming up. And again, folks, if you've got any plumbing needs, especially with this cold weather that we've just gone through, please give Hi-Fi a call, 877-WE-HI-5.
SPEAKER 05 :
High Five Plumbing, Heating, Cooling, and Electric is ready to help you upgrade your living space in the new year. High Five has great discounts on modern conveniences like touchless faucets and outdoor kitchens, but they also have amazing deals on those ordinary things you use most often. For a limited time, High Five will give you $75 off a new garbage disposal and installation. to make sure that next year yours will keep up with the holiday traffic. Tanked water heaters are currently $200 off, and you can get an incredible $500 off a tankless water system installation. These are just a couple of the great savings that the licensed and insured techs at Hi-5 have ready for you to take advantage of. Reach out to High Five today and ask about your specific needs, and they'll walk you through the best way to make it happen without breaking the bank. Whether it's the everyday necessities or high-tech convenient add-ons that you're after. Find High Five on the KLZRadio.com advertiser's page.
SPEAKER 15 :
It's raining, cause the bathtub just ain't draining. Go High Five with it. Go High Five with it.
SPEAKER 08 :
All right, if you're looking for a great medical doctor, we have the answer. Dr. Scott Faulkner, call him today. He is my doctor, 303-663-6990.
SPEAKER 02 :
Are you tired of crisis care and instead want true health care? Do you want to improve your overall fitness and beauty? Do you have a chronic medical condition that no one has taken the time to understand? Are you trying to meet a health or weight goal? Or maybe you're just looking for a great doctor who thinks the way you do. Dr. Scott is a board certified internal medicine specialist, bringing decades of experience and expertise to the table. Dr. Scott is a true advocate of the latest advancements in health care. That's why he uses umbilical derived stem cells, which have been clinically proven to be the most potent stem cells available. Worried about being lost in the crowd of impersonal health care? Fear not. Dr. Scott is a big picture doctor, not beholden to big pharma or big insurance like some other providers. He takes the time to understand your unique needs and will customize your health care to fit you, your body, and your lifestyle. Reach your full potential and achieve your goals. Call Dr. Scott today at 303-663-6990 or visit him online at castlerockregenerativehealth.com or find him at rushtoreason.com. Dr. Scott Faulkner and Castle Rock Regenerative Health Care is your path to a healthier tomorrow.
SPEAKER 08 :
All right, Roof Savers of Colorado. Again, any roof need you have, we have the answer. That's Roof Savers of Colorado, 303-710-6916.
SPEAKER 01 :
Have you recently received a letter saying that your roof is no longer covered under your insurance due to its age? The insurance industry is changing the face of roof replacements, but we want to ensure that you can keep your roof alive and out of the landfills. With over 4 million square feet treated every week, We here at Roof Savers Colorado strive to maximize the life of your residential or flat roof. Up to 90% of older or damaged roofs do not require a full replacement. Extreme weather conditions here in Colorado lead to the drying, cracking, and granule loss that slowly kills your roof. Dave and his team are here to save it. With the rejuvenation treatment, we can put critical oils that bind your roof together back into the asphalt shingles, adding up to 15 years of life to your existing roof. And it's 100% people, pet, and plant friendly. For your commercial or flat roof needs, we provide a silicone-based coating with up to 95% UV reflectivity and a 50-year ponding warranty. Call the Roof Savers team today to set a free roof inspection at 303-710-6916 or go to roofsaversco.com.
SPEAKER 12 :
Suck it up, buttercup. Back to Rush to Reason.
SPEAKER 07 :
And welcome back to Rush to Reason, Denver's Afternoon Rush, KLZ 560, John Rush! I haven't been able to say that in a while. No, I know. So I'll say it again. John Rush, together with Andy Pate and John! Are you ready for a movie?
SPEAKER 08 :
It's been a couple weeks since I've had one.
SPEAKER 07 :
It's been a minute, hasn't it?
SPEAKER 08 :
Yes, absolutely I am.
SPEAKER 07 :
Yeah, you're ready to dive right back in. Okay, well, John, here we have another foreign horror film like Oddity. Remember that one, Oddity, I did? Okay, can we find some more magic in The Damned?
SPEAKER 22 :
Like one night, when everyone was in bed, there was a knock at the door.
SPEAKER 19 :
May the Lord protect you from harmful sea creatures and dangerous pirates.
SPEAKER 10 :
Poor bastards. We're not gonna help them.
SPEAKER 19 :
Helping those men will put all of your lives at risk, and I cannot do that.
SPEAKER 17 :
Whatever wreckage can float, we'll stay close to them.
SPEAKER 22 :
I've seen evil trying to get in here.
SPEAKER 23 :
The dead can't break free if you hammer iron nails into their feet.
SPEAKER 22 :
What happened on that ship was a terrible tragedy. He doesn't care. I wouldn't sleep if I were you. A thing like that never stops.
SPEAKER 14 :
It's never too late to ask for forgiveness for what we did.
SPEAKER 22 :
It won't stop until it's taken all of us.
SPEAKER 15 :
Keep it away! Keep it away from me!
SPEAKER 19 :
We should not be here.
SPEAKER 07 :
And we're in, right? We should not be here, Andy. I just want to make sure she was done yelling help me. Okay. Well, John, the setting is the late 1800s in an Icelandic fishing village. Okay, so up in Iceland. The community is nearly all men, led by one woman whose husband recently died and left her the fishing boat. The reason it's virtually all men, they've come up north, left their families to work the season. Right. You work the fishing season. Then they go home, hopefully with money for their families. Well, that woman who's leading them is Eva. She's played by Odessa Young, and she is the de facto leader of the community. She's good at it, too. Giving orders without being power mad. I like that. Well, unfortunately, this is an especially harsh winter. Everywhere is numbingly cold. Boy, you can feel it, too. They make you feel it, too.
SPEAKER 08 :
Climate change didn't... No, no.
SPEAKER 07 :
It didn't fix that.
SPEAKER 08 :
I'm sorry.
SPEAKER 07 :
The fishing is awful, and the men are literally eating the bait to survive. It's gotten that bad. Right. Well, when you're responsible for your group's survival, you can't afford to help others. Okay. So when a nearby boat is going down, you heard this in the preview, a starving crew is divided into whether to save them. Eva makes the call, and they let that crew die.
SPEAKER 10 :
Hmm.
SPEAKER 07 :
Well, afterward, they go through the ship looking for supplies, but only to find some brandy and heating oil, virtually no help there. And the six caskets on the beach fill them with guilt. Well, then word spreads through the village of a monster of folklore, the Dragoor. The Dragoor, okay? And some say they've seen it, and this animated corpse feeds on the guilt, and on them. Well, the men are turning on one another, and they're becoming desperate. And after a couple sightings and dwindling numbers, they realize they're being hunted. So they hunt the dragger. Now, can Eva hold them together? Can they survive? Can anyone survive against the damned? And that is the story. What do you think? It sounds pretty weird. Well, yeah. I mean, basically, it's a horror story from back then, right? So it's very raw. Well, what works in The Damned? First of all, Odessa Young is perfect in her last girl role. She may be up for a best actress from this. She's pretty, but not flashy. Commanding, but not forced. She captures all the stress of leadership and terror of supernatural horror. By the way, she demonstrates a lot of what John Rush would teach in leadership. I kind of like that.
SPEAKER 09 :
Okay.
SPEAKER 07 :
And that doesn't mean she makes every right choice. You can't. It's an impossible situation. But she lives with it.
SPEAKER 09 :
Okay.
SPEAKER 07 :
All right. The sheer coldness and hopelessness is well captured by the director. It all feels very raw, very real, very well done. You heard the scene where the other lady, because there's one other woman there, the older lady is telling the story of the dragger.
SPEAKER 09 :
Right.
SPEAKER 07 :
Knock, knock, knock. Right. Great scene. Really well done. Okay. Because she's telling this story to the guys, and she's telling it as kind of a scary story because they enjoy scary stories, but also being kind of real about this. Hey, this is a real threat up here. This is a pretty scary movie. You have undead awakenings. You have cool camera tricks, awful killings, the whole thing that you would expect with a horror movie. The storyline pace is solid for a slow-burning scare flick. It's only 90 minutes, John.
SPEAKER 08 :
I saw that.
SPEAKER 07 :
Yeah, it whips along. This is more of a good study of human weakness than a parade of jump scares. In modern flicks like this, it's almost all jump scares. This is not. There are frightening images and moments, but mainly we're watching people fall apart. And there's a good sort of romance between Eva and one of the men. It's very restrained, and it's very well placed in the movie. Okay, what doesn't work in The Damned? Well... This is kind of important. And just so you know, Rotten Tomatoes, I'll give you, I'm jumping ahead here. They gave this 88%. But the audiences, and keep in mind, audiences that go to a movie are generally going to score it higher because they are the type who go to that movie.
SPEAKER 08 :
They're a fan.
SPEAKER 07 :
Right. They're the fan of this kind of movie. They gave it 48%. I'm going to give you some of the reasons why. First of all, it's too hard to tell what's really happening too often. When a filmmaker wants to keep you guessing and guessing about what you're seeing, you can lose interest if they keep you guessing too much and they overdo it. Next, this makes it difficult to get one's bearings and really enjoy the frightening events that are going on. You want to have a pretty good feel of what's actually happening. Not constantly wondering, is this really happening or am I imagining it? Is it really happening? Sure. After a while, you're like, you know, I lost interest. Right.
SPEAKER 09 :
I'm done.
SPEAKER 07 :
Yeah, I'm done.
SPEAKER 09 :
I checked out.
SPEAKER 07 :
Exactly. Here's the biggest problem of the movie. The Draggar is such a poorly defined villain. Okay, because you're wondering, okay, is this just the undead come back to life that are going to feed? Well, not really. Okay, is it a spirit? Well, not really. It's physical too. Okay, well, is it undead? Well, sort of, kind of, yeah, yeah, yeah. It's very poorly defined, so you don't know what you're looking for. So it could be anything. And so any of these shadows, and they do great camera work. Boy, say that five times fast. They do that really well, but you don't know what you're looking for or at. And it kind of really detracts from the forebodingness of this. You want to know what's coming.
SPEAKER 09 :
Sure.
SPEAKER 07 :
I mean, in Aliens, you know exactly what the alien is. After a while, you know what's coming. You know to be terrified. Okay.
SPEAKER 08 :
The previews make it look dark to me. Is it a dark movie, too?
SPEAKER 07 :
You know, most of it's dark because it is way up north.
SPEAKER 08 :
Okay.
SPEAKER 07 :
during the largely dark season, but there are light moments, too.
SPEAKER 08 :
Okay.
SPEAKER 07 :
They do have very light moments, like when they see the ship go down. All right. They're having to deal with that. The slow buildup followed by a sudden leap in terror. You know, I have always said on horror movies, the timing of the buildup is absolutely crucial, not just on the movie as a whole, but also on each scene, right? You can't build up too long or too quickly. If you build up too quickly, you're killing the moment. Right. It's too sudden. You're not getting the whole shock. Right. You really because a lot of the terror is the expectation of terror.
SPEAKER 01 :
Right.
SPEAKER 07 :
Not to terror itself. But if you over build up, what are you doing? You're killing it. Right. OK, well, they over build up at times. And here's the biggest one. A very unsatisfying ending. And let me take a step back here. They don't overbuild up in each individual scene. It's actually very well directed in a lot of the individual scenes. They overbuild up in the movie arc as a whole. Okay. You have a very unsatisfying ending. It dropped the movie by at least a half a point just on its own. All right. Once again, Rotten Tomatoes gave this 88%, 48% from the viewers. I'm going to be a little nicer than them. I'm going to split the difference. Three stars. Okay. For the damned. Is this worth watching? Yes, it is. And it's 3-3-3. Political three, moral, religious three. It doesn't say a thing.
SPEAKER 09 :
Okay.
SPEAKER 07 :
Okay. You know, I mean, you got people praying, but these aren't really knowledgeable Christians, but they mean well. All right. And... Do I recommend seeing the Damned? I do, but understand it's going to be a bit of a slow burn in the first half. The payoff is worth it, but I would like a better ending.
SPEAKER 08 :
There you go. Okay, good to know. Veteran Windows and Doors, I talked about Dave actually during Ready Radio today, but if you need Windows and Doors and you want to get ready for spring, because that's about how long it'll take right now once you call him, give him a call now. Find Dave at klzradio.com.
SPEAKER 04 :
Veteran Windows and Doors never uses gimmicky high-pressure salespeople. In fact, when you work with veterans, you get the owner, Dave Bancroft. Dave will never try to manipulate you or use silly tricks upselling you. Big window companies will show you a heat lamp test that is supposed to impress you. But what does that really tell you about your windows? Other companies omit the pertinent information, and just because the window and door says Provia, it does not mean their products are engineered for Colorado or even anywhere in the U.S. Dave prefers to be the last window and door company you meet with, so he can give you all the information the others fail to reveal, like the U-Factor, efficiency ratings, and even if it's ENERGY STAR certified. And of course, don't forget the tax rebates many people didn't know they could receive. Just talk to any of Veterans' previous clients and they will be the first to tell you. Get your high-quality windows and doors without all the gimmicks. Reach Veteran Windows and Doors by going to klzradio.com.
SPEAKER 08 :
All right, Curt Rogers, Affordable Interest Mortgage. Have that all dialed in before you look at any home today. 720-895-0500.
SPEAKER 17 :
Do you have more month than money? The cost of everything is going up, except your income. How about some relief? Take AIM, Affordable Interest Mortgage, 720-895-0500. Do you have a great rate on your first mortgage, but household debt is swallowing the rest? Rates are falling. Lower your monthly debt $700 to $1,100 a month. Call AIM, 720-895-0500. When you lower your household debt $700 to $1,100 a month, you are still able to pay off your home in the same time frame, sometimes even faster. Let our 23 years of experience help save you money. Remember, saving interest is money in your pocket. Tick AIM, 720-895-0500. Tired of paying high interest rate on your credit card debt? Think about it. Bills paid, money in the bank, less stress. Affordable interest mortgage, 720-895-0500. Give yourself a raise and keep more of your money. That's 720-895-0500, where it's all about you. Regulated by Dora and MLS, 217-147, equal credit lender.
SPEAKER 08 :
All right. We talked about insurance, by the way, through Ready Radio. And if you need help on insurance business, home, auto, you name it, give GIA a call today, e-gia.com.
SPEAKER 23 :
Finding insurance can be confusing and picking the wrong plan can cost you thousands of dollars out of your pocket. You need an independent insurance broker to help you find the best coverage that fits your needs and at the very best premium. Call Paul Linaigro at GIA Insurance and his team of independent insurance specialists will help you find the right plan for your needs. As independent brokers, GIA Insurance does not work for any insurance company. They can shop the market and find you the best premium for the coverage that you need. GIA never charges fees and your premiums will never be any higher than going directly to the insurance companies or buying online. Receive the local hands-on service you don't get with a call center or online. Whether it is your home, auto, Medicare, life, ACA, health or business insurance, GIA has got you covered. They've been doing this as independent brokers since 1984. Call 303-423-0162, extension 100, or go online to e-gia.com.
SPEAKER 08 :
All right, we just heard from Mike a moment ago. Adventures of Jimmy and Andrew have the book in front of me. It is a fabulous book, something that, by the way, not only would you enjoy reading, but it's really designed for kids and as a family to read to kids. And whether you have kids of your own or not, buy this book and give it to someone. Jimmyandandrew.com is where you go to buy it.
SPEAKER 03 :
Reading is fundamental to understanding the world, and that's why author Mike Goldstein wrote American Stonehenge. This breathtakingly beautiful book was written in order to bring parents and grandparents together with their children to enjoy stories while they learn to read. The book follows a boy and his immortal telepathic dog, with whom he communicates as they travel through time to learn about the dog's experiences through history. The book is historically accurate, including the illustrations, so you and your little one will learn something about the history of God's beloved Earth. The time that you spend with your children laughing and enjoying this beautifully written book will be something you treasure for a lifetime. Learn more about American Stonehenge and the adventures of Jimmy and Andrew by going to klzradio.com and flip through a free preview of the beautiful prose and illustrations. That's klzradio.com to learn more.
SPEAKER 06 :
Back to Rush to Reason, presented by Hi-5 Plumbing, Heating, Cooling, and Electric, where every call ends with a high five.
SPEAKER 07 :
And welcome back to Rush to Reason, Denver's Afternoon Rush, KLZ 560, John Rush, together with Andy Pate and John. Are you ready for another movie?
SPEAKER 08 :
Absolutely.
SPEAKER 07 :
All right, John. Well, you know, Gerard Butler is becoming the new Liam Neeson with off-season action flicks. Love that guy. I do, too.
SPEAKER 08 :
I like him.
SPEAKER 07 :
He's my style, isn't he?
SPEAKER 08 :
I agree. I like watching him.
SPEAKER 07 :
Yeah, the lovable lug. I just love the guy. Well, next up for him is Den of Thieves 2, Pantera.
SPEAKER 21 :
These streets, they're different. They're old. The ties are deep and hidden. It's where the East claws at the West. Where the South seeks the North. be respected. Rules that cannot be broken. And if a mistake is made, only blood is paid.
SPEAKER 1 :
In the top goes gangster.
SPEAKER 07 :
And a cop goes gangsta. You gotta like that line. Cop goes gangsta. Yeah. All right, here we go, John. Gerard Butler, he stars as L.A. Sheriff's Department detective Big Nick. He's outspoken, he's a slob, and he's a real rough guy. Of course, you know, Gerard Butler. And he's just come through a bad divorce, a really bad one, so he needs a case, John. He has a lot of movies like that. Yes, he does. You know, Gerard Butler looks like he's come through a bad divorce. He looks like a divorced man, yes, he does. I know he does. Well, overseas, a big jewel heist. It was just pulled off by Nick's old adversary, Donnie Wilson, who's played by O'Shea Jackson. Really good guy. Well, Donnie is smooth, speaks other languages, and he has a high-tech team with all the resources. And Donnie beat Nick in the first film. So after talking with the feds, Nick gets approval to set up shop in Marseille, France, a diamond-rich village frequented by Donnie and his gang. Donnie has a nice big office and a knockout assistant named Giovanna, played by Evan Ahmad. OK, Evan Ahmad. And the plan was to use the first jewel heist as a setup for the big heist coming up next. But now Nick is in town and he wants in. Can Donnie trust Nick? I mean, can you trust him that he's really gone rogue or can he not? Well, what follows is a game of cat and mouse with lots of plot twists. Nick has serious skills, but Donnie must be careful. Nick proves loyal. So Donnie brings him along on the heist. Well, ultimately, the heist is high-tech and high-drama with varying allegiances and even some outside influences from the mafia. It gets hard to remember just who serves who. So, John, can they pull off the impossible heist? Can they survive the mafia, whom Donnie ripped off before? Not too bright. Will the French police pounce on them before they can make the kill, make the steal?
SPEAKER 08 :
No, it's the French.
SPEAKER 07 :
Yeah, well, yeah. Of course. And can anyone be trusted in Den of Thieves 2? That's the story. What do you think?
SPEAKER 08 :
Sounds good.
SPEAKER 07 :
Yeah.
SPEAKER 08 :
I mean, that's a movie I'd watch.
SPEAKER 07 :
Well, that's our kind of movie. Yeah. All the way. That was made for us. Yeah. They literally made that movie for us. Well, what works in Den of Thieves 2? First of all, Butler and Jackson are perfect in their roles. They really are. They're manly men with intellect and a charm that relates to the common viewer. That's me. Mm-hmm. All right. At one point, they discuss their childhoods and dads. And, John, it's a really good moment that cements their relationship going forward. It was a scene that was really needed in the movie. And it's just great. They're just sitting there relating. This is what it was like with my dad. This is what it was like with mine. In a good way. Okay. The plot twists are a real help keeping us guessing. They have, at one point, a really good car chase. And it's not just a car chase. Okay. You're flying through the mountains. It's a car and bullets race. All right, back and forth, back and forth. And you're probably thinking, oh, Andy, I've seen that in every James Bond movie. Yeah, but this is more raw. It's better. It's more real. Tearing apart windows and having to just, you know, go after each other. Really well done. Now, not these two after each other. They're in the same car. Very, very good scene. There's good high-tech wizardry and plenty of strategy and planning for the heist, which I always like. I love the planning on a heist. I do. And then to see it carried out, it's always a lot of fun. The second half of this film was very good. I gave the second half of this film three and a half stars. And finally, it has a very good ending. So I like a movie that ends well. What doesn't work in Den of Thieves 2? It's far, far too long for a tough guy action film. This thing is two hours and 24 minutes long.
SPEAKER 09 :
That's long.
SPEAKER 07 :
Yeah, yeah. It should have been an hour and 45, John. At one point, they get this party scene where they're doing drugs and drinking, you know, and it's just... They could have cut the entire scene.
SPEAKER 09 :
It's too much.
SPEAKER 07 :
Yes. And in a number of scenes, and Corey went with me and she was noticing this too, in a number of scenes, there are several minutes of film added where you could have just cut, cut here, cut here, cut here. This is one of the worst edited movies I've seen in the last several months. Wow. Very poorly edited. The first half was almost intolerable. It dragged relentlessly. There were good moments throughout. There really were. Even throughout the first half, he had a good moment here, a good moment here. I like the characters. I like some of the character development. But it seemed like the buildup to each moment was several times as long as it needed to be. This had an average script at best. It really needed more humor, especially when you've got two actors like this who can really deliver good lines. And they can, can't they? Absolutely. Yeah, these two guys can really deliver. Just do the writing, all right? This needed more Italian job, less slow Euro movie.
SPEAKER 08 :
Got it.
SPEAKER 07 :
Okay? There was far, far too little action for a Gerard Butler movie. When you had this great car chase and you had a couple other scenes, you realized, man, we could have used a lot more of this. This needed more John Wick and less slow Euro movie. Because that's what it is. It's a slow Euro movie. Europe. I don't like that. It's too arty. Ultimately, the biggest problem was the directing and the editing or lack thereof. And that's the problem with Den of Thieves 2 Pantera. Now, Rotten Tomatoes kind of surprised me here. They gave it 70%. I didn't think they would. I thought they would be in the 30s. I really did. So there you go. Quality, I'm not going to go that high. I'm going to give it two stars. The first half of this movie is a one-star movie. You know, not zero stars. It's got several good moments, but it is dragging horribly. Oh, a terrible yawner. The second half of the movie is very good. So if you're going to watch it, I literally, John, and this is the first time I've said this to my wife probably in five years, I literally could have walked in midway through the movie and enjoyed it more.
SPEAKER 08 :
Not missed anything, huh?
SPEAKER 07 :
Yeah, not missed much. Not cared about a lot of the buildup. Maybe a little before midway. Out of 224, I could have watched the last, say, hour and a half. I would have been in much better shape. Political three, more religious two, obviously. This is an okay movie. Den of Thieves 2, Pantera. Do I recommend going to see it? Only if this is really your kind of movie and if you're willing to be patient through the first half.
SPEAKER 08 :
So not near as good as the first one?
SPEAKER 07 :
I didn't think so.
SPEAKER 08 :
The first one was good.
SPEAKER 07 :
Yeah, it was. I thought the first one was a lot fresher.
SPEAKER 08 :
Oh, yeah.
SPEAKER 07 :
I thought it had a better pace.
SPEAKER 08 :
Shorter, all that.
SPEAKER 07 :
It was shorter. Yeah. I mean, I still like the characters, so I'm there on that, but no, this is not as good.
SPEAKER 08 :
Too bad for them. Yep. All right. Geno's Auto Service is next. When you're looking at getting your vehicle taken care of, we have got the place for you. There's a great special right now at Geno's. Go to genosautoservice.com, and Geno starts with a J.
SPEAKER 13 :
Take advantage of Geno's alignment and tire rotation special. Snow and pothole season is upon us. Save $30 on an alignment and tire rotation now through the end of the month. Have you ever noticed how your tires have a way of finding holes in the pavement? Now is a great time to get your car aligned and your tires rotated. With consistent alignments every 5,000 miles, your vehicle will get better gas mileage and longer tire life. Geno's is celebrating 42 years in business, serving Colorado families in Littleton. We back up our work with Napa's nationwide 36-month, 36,000 miles peace of mind warranty. We invite you to check out all our Google reviews. We offer loaner vehicles so you can drop your car off and pick up when ready. Save $30 on an alignment and tire rotation. Give us a call or go online to schedule an appointment. Geno's is AAA approved and located at Bowles and Platt Canyon. Stop in or visit us online at genosautoservice.com.
SPEAKER 08 :
All right, Cub Creek Heating and Air Conditioning. And don't forget second opinions they can give you once you've had some diagnostics done and you're just not sure if that's the right way to go or not. Give Hunter a call today at Cub Creek. Find him at klzradio.com.
SPEAKER 11 :
Cub Creek Heating and AC are your go-to for a second opinion any time you need to get HVAC work done at your home. Rheem Certified Pro Partners Cub Creek Heating and AC are used to people calling them after they received another bid that was too high. Hunter prides himself on his honesty and will guarantee that you receive a fair quote with your service. Hunter will also be there to evaluate your issues, and he'll explain clearly exactly what he finds so you're educated in what the problem is. He can even give you an accurate estimate of how long your current system will last. And if Cub Creek can't come in lower than your first quote, he'll tell you that too. Hunter has a genuine interest in making sure that you don't get taken advantage of. So if you need work done on your heating or AC, call Cub Creek before you sign for that job with another company. You can find Cub Creek on the KLZRadio.com advertisers page.
SPEAKER 08 :
All right, looking for a new used car? We have got you covered. And frankly, I should say, too, that Josh and Justin, both from Ridgeline, will be with me tomorrow on Drive Radio. But if you're looking for a new used car, just go to RidgelineAutoBrokers.com.
SPEAKER 06 :
Are you in the market for a reliable car that won't break the bank? DriveRadio's sponsor, Ridgeline Auto Brokers, specializes in quality used cars that cost between $15,000 to $25,000, making them a great option for first-time drivers or anyone looking for a good deal. They pride themselves on providing a transparent and hassle-free car buying experience. That's why at Ridgeline, they never charge a dealer fee. Plus, all vehicles are inspected by Legacy Automotive, a Colorado Select member and sponsor of Drive Radio. For a limited time, they are offering first-time customers the first oil change for only $1. Every car comes with a 30-day warranty, with the option to purchase a service contract. And at Ridgeline Auto Brokers, there are competitive financing options to fit your budget. If you cannot make it to the dealership in person, there are videos of all Ridgeline cars for sale on their website at ridgelineautobrokers.com. Call today at 303-442-4141 to schedule a test drive or visit ridgelineautobrokers.com. Ridgeline Auto Brokers, the smartest way to buy a car.
SPEAKER 12 :
Now back to Rush to Reason on KLZ 560.
SPEAKER 08 :
All right, last segment of this first hour of this Friday edition, Rush to Reason, Denver's Afternoon Rush, KLZ 560. Andy, one of the things you did when I was gone was best and worst of 2024.
SPEAKER 07 :
Yes, I did. And I don't want to obviously go through all that again, but I did want to give you a few high points. Okay. Just because I think some of these you're going to remember. All right. Now, first, I want to be very proud of one, and that is when I did the most pleasant surprises of the year. And number five, I'll just go through them. Number five, Arthur the King. We talked about it. Good movie. Number four, Abigail, the little vampire who's hunting these shallow people. Number three, Oddity, a very surprisingly good little horror film from Ireland, of all places. Number two, Land of Bad with Russell Crowe, the drone pilot movie. Surprisingly good movie. Great movie. And number one, though, the biggest surprise of the year for me was a movie called Flow. And it's a little cartoon about a cat in this post-apocalyptic world where there's floodwaters rising and this cat and this dog. Yeah, yeah. There's no dialogue and they act like they're real animals. Cat, dog, bird. We just did that one a few weeks ago. Yeah, I did. And, you know, I gave it a very good score and I recommended it to people. This is an animated film and it's very different, very weird, very good. And well, anyway, at the Golden Globes, which this actually hurts because I hate it when they agree with me. Well, you know, they're snooty and I don't like them. But the Golden Globes surprised everybody and gave Flo best animated picture of the year.
SPEAKER 09 :
Wow.
SPEAKER 07 :
Over Wild Robot, over several others that were these big money makers. And they picked Flo over all of them. And it was actually quite a big... upset yeah yeah it was uh really quick here worst movies of the year i won't put them all but i'll just say a couple jumped out the crow was awful the substance was awful uh joker 2 was terrible that that was number three number two skincare number one of course y2k which was awful beyond you also when i was gone did homestead right i did i gave it a poor review the uh cory hated it previews look great Yep. Previews look great. And that is another one where the previews, they did a great job putting together the previews. And, boy, you know, Joker, too. They did a good job putting together the previews.
SPEAKER 08 :
Good point.
SPEAKER 07 :
Then you had a terrible movie. It was not good. Corey was angry.
SPEAKER 08 :
Really? Just didn't like it?
SPEAKER 07 :
Well, she's homeschooled, and the depiction. One thing that we thought was really funny, which was just terrible, you have – The daughter of the rich guy who's there, right? She's homeschooled. And she's upset that nobody's asking her out. Corey was furious about this. Why? Because she's like a supermodel. I mean, this girl looks like you would see her in the next, I don't know, Swimsuit Magazine, whatever, Sports Illustrated. I mean, it's just ludicrous. Oh, woe is me. None of the boys will ask me out because I'm homeschooled. It's just like, stop. Stop. Right. Just that wouldn't happen in real life. No. Are you kidding? She would be sworn walks out to the curb. She'd have somebody. Exactly. You know, they'd be throwing. And then they had a romance between her and another teenage boy. And it was the worst done teen romance I have ever seen in any film.
SPEAKER 09 :
Wow.
SPEAKER 07 :
I've seen thousands of films. Oh, yeah. I mean, the writing was so clumsy. All of it was clumsy. It was ham fisted. And you're just like, oh, my gosh, this was poorly written, poorly designed.
SPEAKER 08 :
It was like an end of the world type movie.
SPEAKER 07 :
Yes, it was. And I was actually excited about it because it was a prepper thing.
SPEAKER 08 :
Right.
SPEAKER 07 :
And I kind of liked it.
SPEAKER 08 :
I don't want to watch it because of the program.
SPEAKER 07 :
Yeah, yeah, yeah. I want to see all the preppers. By the way, they don't do a very good job of prepping at times. I won't give away any more of it. Just not very well done. Okay, really quick here. A few nice surprises. Best actress was out of the blue. It just came out of the blue as an actress you've never heard of. Second was Hilary Swank with Ordinary Angels. And she was wonderful. Third, you just saw Daisy Ridley in Young Woman in the Sea. She was terrific.
SPEAKER 09 :
Great movie.
SPEAKER 07 :
Yeah. Fourth was Christiana Delano from Cabrini. And fifth was Lupita Nyong'o from A Quiet Place Day One. But number one was Carolyn Bracken. And she's in the movie Oddity. And she plays twin sisters. One is a murder victim and the other is her psychic sister. that she helps solve the murder, okay? And she was magnificent. I guess she's like an Irish actress or whatever. Anyway, best movie of the year. We got, oh, biggest letdowns. I had fun with this. I'll just reel them off. Moana 2, number 5. Number 4, Joker 2. And the reason it wasn't higher is I didn't have super high expectations for Joker 2. Number 3, Monkey Man. Boy, did that have great previews. boring movie uh number two if with ryan reynolds they made ryan reynolds boring how do you do that and number one the fall guy uh ryan gosling emily blunt okay best movie of the year um Young Woman in the Sea, Daisy Ridley. And you just saw it. Would you agree?
SPEAKER 08 :
Good movie. Very good movie.
SPEAKER 07 :
Very good movie.
SPEAKER 08 :
If you haven't seen it, it's worth watching.
SPEAKER 07 :
But there were some other surprises in there. Wild Robot, number two. Number three, Ordinary Angels. Number four, Hard Miles, the biking thing. About the guy here in town. Alien Romulus, number five of all things. And it was a very good alien movie. Best one I've seen since probably Aliens, the second one. Cabrini. Transformers 1 is a fun little cartoon. Worth watching. A Quiet Place Day One, Reagan, and Gladiator 2.
SPEAKER 09 :
Okay.
SPEAKER 07 :
There you go. So, you know, last year, actually, the reason I mention these again is, hey, it's rental time.
SPEAKER 08 :
Yeah, some people watch these during the rest of the year and things get snowed in and what have you.
SPEAKER 07 :
Exactly. Exactly.
SPEAKER 08 :
All right, before we go to break, and a lot of you probably already saw the news, so I don't think this is going to be much of news to anyone, but Donald Trump sentenced to unconditional discharge for his quote-unquote felonies, and I put quotes around those because I think it's all a bunch of hogwash. He's got now time, of course, with all of this to really go back and appeal these correctly and take his time in doing so and so on.
SPEAKER 07 :
He will. It's ludicrous from the start to finish. It's terrible. But my prediction is he is going to have a ball playing the victim on this. See, these people don't seem to understand. Do you remember the PR he got off the photo after he got convicted?
SPEAKER 08 :
Oh, yeah, yeah. The mugshot? Yes, yes, yes.
SPEAKER 07 :
Donald Trump... I mean, when they think they've got him, he uses it to his advantage. He is going to be the one who is going to all the more highlight the lawfare of the American legal system and how it's being used by politicians across the board.
SPEAKER 08 :
Which it is.
SPEAKER 07 :
Yeah, and he's going to use this as his hammer to knock people out of those positions in the deep state. I really do. I think he is going to enjoy the living daylights out of this. It's not going to affect his job at all.
SPEAKER 08 :
I agree. Before we go to break the L.A. fires, I talked about that during Ready Radio, but some of the little blurbs and I guess you could call them even commercials coming out of the Los Angeles Fire Department, some of the lesbian commercials and so on. Oh, my word, Andy.
SPEAKER 07 :
Oh, they're horrible.
SPEAKER 08 :
If I were in that group, I would be ashamed to be a part of it.
SPEAKER 07 :
Yeah, in fact, I've got a clip here, but I don't have it queued up. It is horrible. Oh, I saw it. It's ridiculous. Oh, so you saw it. I've seen it, yeah. This lady, and she is like the number two or three in charge. It makes 500 grand a year. She needs to be fired immediately.
SPEAKER 08 :
Yeah, she does.
SPEAKER 07 :
She needs to be fired. Agree. What she says is horrible, it's bigoted, and it's also ridiculous. Look, bottom line is, I want a guy who can carry me out of a fire.
SPEAKER 08 :
Yeah, her comment was he shouldn't be in that position. I'm paraphrasing, but essentially what she said was he shouldn't have got himself in that position in the first place. Right. That's basically what she said, right?
SPEAKER 07 :
Yeah, yeah, yeah. If you're worried about me carrying, because there are people who say, well, you know, if it is a woman firefighter, they've got to be strong enough to be able to carry a man out of a building.
SPEAKER 08 :
You've got to carry a 250-pound man out.
SPEAKER 07 :
Right. I mean, that's part of the job, right?
SPEAKER 08 :
Her comment basically was, well, you shouldn't have been there in the first place.
SPEAKER 07 :
You shouldn't have been in that position in the first place. Is she kidding me?
SPEAKER 08 :
That's what she said, Andy. We'll play it Tuesday, but that's what she said, yes. That's ludicrous. She should be fired over that comment.
SPEAKER 07 :
Let me tell you something. People who support DEI and rabid environmentalism are not popular in California right now.
SPEAKER 08 :
Yeah, we'll talk about this more on Tuesday, but how many converts will there be out of all of this when it's all said and done?
SPEAKER 07 :
A lot. A lot.
SPEAKER 08 :
I think you're right.
SPEAKER 07 :
There are a lot of people out there right now saying, we have had it with the Democrat Party. No, they failed them. They did. I mean, obviously, we understand it's a fire with high winds. You can't stop it. But all of the things leading up to it where they weren't prepared, we'll talk about it Tuesday. Total failure.
SPEAKER 08 :
All right. Golden Eagle Financial is coming up next. Al Smith, make sure you've got your finances dialed in for 2025. Call Al today. Find him at klzradio.com.
SPEAKER 20 :
Putting off planning for your retirement another year can cost you tens of thousands. But Golden Eagle Financial can get you back on track to maximize your retirement now. Al Smith of Golden Eagle Financial is a retirement advisor who gets to know you from the very onset. What are your dreams for retirement? What do you want to do when the work is done? Many people want to give back or volunteer or donate time or money. Others might like to travel or learn a new skill. And Al Smith can help make all of these dreams a reality. Whether your dream is giving back to other groups or people, traveling the world, or taking up a new hobby, Al will make sure you're prepared for the road ahead without financial concerns. He's a man who has years of experience and can help you make your retirement dreams come true. Contact Al Smith of Golden Eagle Financial on the klzradio.com advertisers page. Investment advisory services offered through Brookstone Capital Management LLC, a registered investment advisor. BCM and Golden Eagle Financial Limited are independent of each other. Insurance products and services are not offered through BCM, but are offered and sold to individually licensed and appointed agents.
SPEAKER 12 :
Live and local, back to Rush to Reason.
SPEAKER 08 :
And we are back, Rush to Reason, Denver's Afternoon Rush, KLZ 560. All right, next hour, our final hour, we're going to do, of course, NFL picks. We'll have Richard and Andy do that as it's playoff weekend, first week of the playoffs, I should say.
SPEAKER 07 :
Yep.
SPEAKER 08 :
And some of these will be interesting matchups to see how things go.
SPEAKER 07 :
There's some close ones.
SPEAKER 08 :
Will there be any upsets is the question.
SPEAKER 07 :
And some not so close ones.
SPEAKER 08 :
Right, right. And then after that, we will do, because it's been snowing and going to have a little bit more snow potentially tomorrow and then another one potentially next week. We're kind of in that pattern right now. We're going to do snow movies.
SPEAKER 07 :
Yeah, movies.
SPEAKER 08 :
Which is not a lack of, by the way.
SPEAKER 07 :
No, no, no, no. Well, I also had to do it because of the horror movie I just did, Iceland. True, true, true. It was cold.
SPEAKER 08 :
But it's snowing this week, too, so it's real fitting. So good job.
SPEAKER 07 :
You know, and this is cold snow.
SPEAKER 08 :
It was bitterly cold the last couple of days. I did not like it. No, you and I both. With the wind? I do not eat it, no. All right, we'll be back. Hour number two is next. Don't go anywhere. Rush to Reason, Denver's Afternoon Rush, KLZ 560.
SPEAKER 10 :
I'm a rich guy
HR2 NFL Picks and Movie Review Theme: Snow Movies 1-10-25 by John Rush
SPEAKER 08 :
This is Rush to Reason.
SPEAKER 06 :
You are going to shut your damn yapper and listen for a change because I got you pegged, sweetheart. You want to take the easy way out because you're scared. And you're scared because if you try and fail, there's only you to blame. Let me break this down for you. Life is scary. Get used to it. There are no magical fixes.
SPEAKER 07 :
With your host, John Rush.
SPEAKER 05 :
My advice to you is to do what your parents did. Get a job, sir. You haven't made everybody equal. You've made them the same, and there's a big difference.
SPEAKER 09 :
Let me tell you why you're here. You're here because you know something. What you know you can't explain, but you feel it. You've felt it your entire life, that there's something wrong with the world. You don't know what it is, but it's there. It is this feeling that has brought you to me.
SPEAKER 06 :
Are you crazy? Am I? Or am I so sane that you just blew your mind?
SPEAKER 04 :
It's Rush to Reason with your host, John Rush. Presented by High Five Plumbing, Heating, Cooling, and Electric, where every call ends with a high five.
SPEAKER 07 :
All right, and as myself, Andy Pate, Charlie Grimes, my son Richard should join us here momentarily. We'll come back to NFL picks and then snow movies, of course. So if you've got any movie suggestion, just go ahead and text us, 307-200-8222.
SPEAKER 15 :
John, if you watch a really good snow movie, do you just feel colder? I do. I mean, if the director really captures the feel of it.
SPEAKER 07 :
Especially some of these I'll mention today, yeah.
SPEAKER 15 :
Yeah.
SPEAKER 07 :
Some of them, it's just like, ooh, you can feel it as you're watching.
SPEAKER 15 :
Right. And some are just stupid movies where, you know, there's snow there and that's fine. But some, boy, they take you there.
SPEAKER 07 :
For sure. Yeah. Definitely.
SPEAKER 15 :
And I'll tell you what, this horror movie I just watched took me there.
SPEAKER 07 :
Yeah, that one.
SPEAKER 15 :
It made you feel cold.
SPEAKER 07 :
And those are movies I want to watch in the summer, not now.
SPEAKER 15 :
Yeah.
SPEAKER 07 :
Sorry, just being honest.
SPEAKER 15 :
Well, they did it well. Like we were talking at break, you know, when you've got cold weather and the wind, it just feels so cold. You can be inside your house. The temperature is set where you normally have it. It feels almost five degrees colder.
SPEAKER 07 :
These last few days have definitely been that way. I hate that part. I do, too. Anyways, all right. We'll take a break. We'll come back. We'll do NFL picks. Let's see here. Paul Lumberger is next, my insurance agent. We talk to insurance, again, through Ready Radio. And Paul's a great resource on all that I talked about during Ready Radio. He can handle performance cars, classic cars, home, auto, you name it, business even. He's a broker. He'll shop what's best for you. 303-662-0789.
SPEAKER 02 :
Looking for top-notch home, auto, classic car, and business insurance? Look no further than Paul Leuenberger. Paul is now an insurance broker with access to industry leaders like Hartford, Travelers, Safeco, Liberty Mutual, Nationwide, Allstate, AIG, Chubb, Pure, Berkeley, Grundy, and Hagerty. Paul has you covered. Paul is also proud to continue his work with American National for all non-property insurance needs as well. Paul Leuenberger now serves Colorado, Wyoming, Arizona, Nevada, and Texas with more states on the way. Paul's mission is simple, to connect you with the right coverage at the best value. Are you ready to protect what matters most? Call Paul Leuenberger today at 303-662-0789. That's 303-662-0789.
SPEAKER 07 :
All right, Golden Eagle Financial, make sure your finances are in order as we head down this stretch in 2025. Make sure you're dialed in. Al will help you with that. And if you don't talk to your financial advisor enough, switch. Give Al a call. Find him at klzradio.com.
SPEAKER 12 :
We'll be right back. Starting to save even a few years earlier could mean the difference of hundreds of thousands by the time you enter retirement, even if the same amount is contributed annually. The longer you wait, the more you miss out on the compounding effect of time, making it much harder to catch up. Let Al Smith of Golden Eagle Financial help you today by contacting him on the klzradio.com advertisers page. Investment advisory services offered through Brookstone Capital Management LLC, a registered investment advisor. All right, Michael Bailey Law, he is our mobile estate planner, wants to take care of you when it comes to your estate. Get on his schedule today. Find Michael, by the way, by just going to klzradio.com.
SPEAKER 04 :
Your ghost of Christmas past is you haven't gotten that estate plan done. And with KLZ's mobile estate planner, Michael Bailey, here to help you, it's going to be okay. Some of us also worry about what will happen in the future. You can deal with that ghost of Christmas future too. Get started on your estate plan now with Michael Bailey so you don't have to worry about the past or the future. Ebenezer Scrooge learned how to change his ways in the present, and you can decide to make changes too. Taking care of a will or estate plan in the present means you don't have to worry. It frees up the future to be whatever you want it to be. You can have happiness, peace, joy, love, although probably not from your estate plan, but at least you will have peace of mind knowing it's done. Let your, I should have already done this, fears and worries go. No judgment here. Just call our mobile estate planner, Michael Bailey at 720-730-7274 or go to the klzradio.com advertisers page.
SPEAKER 22 :
Is your office ready for a new copier? Business Equipment Service has you covered. Whether you're a small business or a large corporation, Business Equipment Service has current model Konica Minolta and Canon copiers on sale right now. Our models have very minimal usage at a fraction of the cost of buying new. We stand behind our equipment with a 90-day parts and labor warranty, as well as a one-year or 100,000-page performance warranty. giving you the reliability you need to keep things running smoothly. Right now, get free delivery and installation when you mention this ad. Why choose us? Aside from saving thousands on high-performance copiers, we have lease options starting at $100 per month, we service and supply what we sell, we offer full service maintenance plans, fast on-site service, and remote support. For over 20 years, Business Equipment Service has helped hundreds of Colorado businesses find affordable, reliable office solutions. Visit us at besofcolorado.com or call 303-825-5664.
SPEAKER 11 :
Putting reason into your afternoon drive. This is John Rush.
SPEAKER 07 :
All right. Rush to Reason. Denver's Afternoon Rush. KLZ 560. Rich will be joining us here in about five minutes or so. So really quick, before we move into that, Andy. Okay. Thought I'd throw this out at you anyway. So I was hoping Richard could chime in on this. But, hey, you can do this as well.
SPEAKER 15 :
All right.
SPEAKER 07 :
Saw in the news, for all of you that are out there that maybe haven't seen this yet, and to some of you not a big deal, but really it is a big deal, Broncos management talking about new stadium. And they basically said, well, you know, we've got several options, and they're going to run into some issues with moving it out of Denver. So let's say they go down to Highlands Ranch or they go out east towards DIA or whatever the case may be. We already know. that the stadium authority and Mayor Johnston and so on, they are not going to like that if that's what they decide to do. Too bad. That's my thought. Too bad, so sad, we're moving.
SPEAKER 15 :
It should be out by the airport, in my opinion.
SPEAKER 07 :
Well, either that or there's a really nice place near their headquarters down in the Centennial, you know, near the airport and that down south as well. So either spot, I think, would work very well.
SPEAKER 15 :
Wait, you're talking south of Arapaho?
SPEAKER 07 :
Correct.
SPEAKER 15 :
Oh, yeah, but the access isn't nearly as good there. Actually, it is pretty good.
SPEAKER 07 :
I was looking at it today, the site that they're looking at. Well, I'm guessing the site they're looking at.
SPEAKER 15 :
No, I know the roads down there. I know Broncos, Parkway, and all this. But the access versus what you have currently, what you could have off of 70, north of 70 around the airport, it would be incredible. You can just add lanes. You've got wide open territory there.
SPEAKER 07 :
Well, where they're looking, you've got I-25, 470, and some others that would lead to it. So, again, I have no idea what they're looking at. Bottom line, I would highly doubt, because you're going to read some things where they're talking about the city's going to throw out some land down towards 6th, 8th Avenue and I-25. Yuck. Thank you, Andy. No way. I'm going to throw up my mouth listening to that. It's like, blech. No, who wants to be there?
SPEAKER 15 :
No, get it out of there. Get it out of there. It's a terrible location right now because of what's grown around it. And because, you know, let's face it, the idiot planners of Denver and Colorado have not added the proper lanes that they need in around there.
SPEAKER 07 :
Worst thing about going to the stadium right now, and I do, I go to the home games, and the worst thing about going to the games is getting there. Right. The parking, getting there. The stadium itself, yeah, it's getting tired, and it's time for some upgrades, in my opinion. And I know a lot of old diehard fans still want an open stadium. I don't. I want a retractable roof on a new stadium. I think if you're going to do things correctly and have more events there throughout the year, you've got to look at a retractable dome. You could do all sorts of things in regards to concerts and so on. Oh, absolutely. Your ability to sell more things there, Andy, just get opened up hugely.
SPEAKER 15 :
Well, John, you've got an incredibly rich owner. You do not have to skimp, okay? Of course you're going to go retractable roof. Of course you're going to go all in. You're not going to waste on this.
SPEAKER 07 :
Well, and you've got to beat your cousin.
SPEAKER 15 :
Yeah.
SPEAKER 07 :
Cronky. So you've got to. You've got to. You've got to build better than SoFi.
SPEAKER 15 :
But no, building downtown is just absolutely, to me, I would not in my wildest dreams even consider building downtown.
SPEAKER 07 :
So here's a question for you. We can talk more about this on Tuesday because it's more of a political question than it probably is a sports question. Okay. When the stadium authority, because there's only two years left on the current lease, I believe. So when the stadium authority has no more Broncos, what do they do?
SPEAKER 15 :
They suffer, but that's okay. Too bad.
SPEAKER 07 :
That's kind of the way I look at it. So, all right, Richard's joining us now. Richard, we talked about the stadium for a moment, but we got to get picks underway. So you and Andy can take it away.
SPEAKER 15 :
Taking it away. All right, Richard. Here we go. We're going to start off. Just so you know, I think there are a couple blowouts this weekend. Everything else looks close. First one looks close. The Chargers favored by three on the road at the Texans.
SPEAKER 08 :
Chargers, well, Andy, this was the matchup that all the AFC teams wanted, right, was to play against the Texans. They're not quite what they were last year. C.J. Stroud on sort of a sophomore slump, Andy, as happens quite often in the NFL. And the Chargers sort of coming on late, just a tough, hard-nosed Jim Harbaugh football team. So I'm probably with that spread, Andy. I don't think it's a blowout just because I don't know if the Chargers blow anyone out except for maybe the Raiders. So I'm going to go with the Chargers, even though they're on the road here. Joshua, my son, is going to go with the Texans, but I'm not sure about that one. So we'll go Chargers, though, as our pick.
SPEAKER 15 :
Oh, your son could very well be right. I think it doesn't matter. Neither team is going anywhere. These are playoff fodder. I'll take the Chargers just because. Next game, the Steelers are on the road at the Ravens. Ravens favored by 9.5. Real quick is Lamar, the MVP.
SPEAKER 08 :
Oh, Andy, I think Josh Allen should be. No. I do, just because I think of the talent that Josh has around him compared to Lamar is less. That's true. I think that Lamar is having a really good season. But, you know, Andy, if they didn't give Jokic the MVP because he won it the year before, then you've got to keep it consistent, right?
SPEAKER 15 :
Okay. This game's easy pick. Easy pick.
SPEAKER 08 :
This is an easy pick, Andy. Well, this in the AFC obviously comes down to three teams, which we'll get to the other few here in a little bit. But, you know, Baltimore is one of those. The Steelers are struggling. They really just had – they did well in the middle of the season. That's what got them to the playoffs. They're coming in on a skid. They're going to continue it. Mike Tomlin, great coach, but, man, he just cannot get over that hump in the playoffs. ever since Big Ben left, and they just seem to struggle. So, yeah, I'm going to go with the Ravens at home here, Andy. I don't care if it's a divisional opponent. it may be a hard-fought game because Mike Tomlin and the Steelers are really good at doing that. But Russ is going to give it away at some point in time, and then the Ravens will make him pay.
SPEAKER 15 :
I could see a hard-fought first half. That's it. I think the talent disparity here is too great. Ravens walk away with this in the second half. By the way, I don't think any team in the AFC is in the hunt for a Super Bowl victory this year. Sorry. I believe, and I've said this before, the NFC Championship game will be the Super Bowl. I really do.
SPEAKER 08 :
And you could be right, Andy.
SPEAKER 15 :
Yeah. And next game, the Broncos are on the road at the Bills. Bills are favored by eight. I disagree with this. I think it's a close game. What do you think? You know, Andy, I don't think the Bills are that good.
SPEAKER 08 :
Well, I don't think it'll be a blowout, Andy, just for a variety of reasons. I think the Broncos will play them tough. They're playing with house money this week, right? They haven't been to the playoffs in forever. No one was picking them to be in the playoffs. You've got a rookie quarterback. All of the pressure in the world is on the Bills, right? They're the number two seed. They're supposedly the biggest competition to the Chiefs that's in the AFC, maybe next to the Ravens. It will be interesting to see, Andy. I think it will be close to, I think, and Josh, my son, as well, thinks that the Bills will pull away eventually. And it's more, Andy, just because I think Josh Allen is more of a superhero this year than even Patrick Mahomes was a few years ago when the Chiefs won. He just feels like he's more superhero-ish, and he's just going to will this team to a victory, no matter if they want to or not. So I'm going to go with the Bills, but I think it will be a tough, exciting game, to be honest with you.
SPEAKER 15 :
I'm going to go with the Bills barely. I think Denver has a better team than the Bills. I think that the Bills have the best player, and he's at home. And I think Josh Allen... will will his team to barely beat a better team because Denver is a better team than them. Buffalo is not that good of a team. I don't consider Buffalo to be a threat at all, honestly. I think it comes down to the Ravens and the Chiefs and the AFC, and they're going to fight for the right to get creamed by Detroit.
SPEAKER 08 :
Great enough.
SPEAKER 15 :
Really, I don't see anybody going up against Detroit. Next game. This one's easy. The Packers are at the Eagles. Eagles favored by four and a half. Again, I think they got this point spread way wrong.
SPEAKER 08 :
You know, Andy, I may actually disagree with you on this one. I'm probably going to go the direction that maybe people would think you would go based on your normal allegiances. Although my son, I think, is going to agree with you because he's going to say Eagles. Andy, I just think that the Packers are going to play them tough. I think that the Packers, they sort of come out against the best competition. You saw it a few weeks ago when I think when they played, they played Detroit, right? And they played them pretty tough. And so I think that that could be a very – well, I don't know if it's going to be a likely situation, but I think it's a very possible situation. And to me, it's a – I think it's a more competitive game. I guess I view this game more similarly to where – I guess the other 2-7 matchup, right, Andy? I view this game more similarly to the Broncos-Bills game than maybe you do. And I'm going to pick the Packers, maybe in an upset. Wow. Because I think that overall they – I just think they're going to pull something out, Andy, and – I'm just not sold on the Eagles in the playoffs and Nick Sirianni as the head coach. That's probably my biggest thing. I like LeFleur and love more than I like Sirianni and Hurts.
SPEAKER 15 :
Oh, yeah, Sirianni sucks, but it doesn't matter. They've got so much more talent. The big joke in Green Bay this week has been, will the Eagles rest their starters this entire game? And wait for the next week. Look, this game's over by halftime. I would take the Eagles will win by as much as they want to win. It all depends on when they go in a shell, how early they go in a shell, and start resting people. This is a blowout. Okay, I'll take the Eagles. Next game. Maybe the game of the week is the next two. The Commanders are on the road at the Buccaneers. Buccaneers favored by three. Has Baker Mayfield arrived? No. to his top pick status?
SPEAKER 08 :
You know, Andy, I don't know if he's ever... Number one pick is so hard to live up to.
SPEAKER 15 :
Okay, has he arrived, though, as a first-round quarterback status?
SPEAKER 08 :
Yes, yes. Andy, he is a quarterback that... I like him. ...better than half of the teams in the league would probably pick him as their quarterback. I agree. And you would not have thought about... What's really amazing, Andy, real quick thing is the Panthers... Well, and Bryce Young, notwithstanding, since he seems to come on this year, had Sam Darnold, who obviously we're going to get to here shortly. Right. And they had Baker Mayfield on the roster at the same time. And I think they had one other guy, if I'm not mistaken, on the roster that is now playing well. I don't know what happened. With that time, it just goes to show you, Baker is playing out of his mind this year. And while I think Jaden Daniels presents a unique problem for the Buccaneers, with any team he's going to play, he's still a rookie. I think he's going to go through what Bo Nix is going to go through against the Bills. It's hard to know, Andy, and it's very rare that you get a rookie quarterback to obviously not only make the playoffs, not only win, win a playoff game, do something in it. And now I think he's going to have his moments and he's going to show that he's going to be a star. But I just think it's just probably a little bit too much, to be honest with you. So I'm going to go with Baker, Andy, maybe claiming he's arrived. Again, I think he has. I think he's worthy of that contract that they gave him. And I'm excited to see where he goes. Andy, the Buccaneers, I'm telling you, depending on who wins, they may have a decent path to the nfc championship game because if the game if you and i pick the the next nfc game like united i think we will they they obviously they would play the eagles next depending on you kind of how that fit right and depending on their they may actually make it to the nfc championship game which is crazy to think they might i mean these are really close games i'm actually going to disagree with you
SPEAKER 15 :
Just because you went out of your mind picking Green Bay, so I'm going to go out of my mind. And I'm going to pick Jaden Daniels. Yeah, I'm going to pick the rookie. And let me tell you something. If he doesn't have the sophomore slump that we're seeing in Houston this year, next year, Jaden Daniels next year is a threat for MVP. This kid is a phenom. I love him, love him, love him. I love not just everything he can do physically, but I love his heart. This kid is a gamer, baby. And I'm going to pick him to go down into Tampa Bay and just be a gamer and stay in that game all the way to the end and then pull it out. But I'll tell you what, nobody is happier for Baker Mayfield than me. I'm loving what he's doing this year. I feel so good for him.
SPEAKER 08 :
Well, Andy, when he – well, again, getting out of the mess that is Cleveland, which – Okay, real quick, Andy. I know we got kind of a late start. I thought once you – you saw the news today, right? What? Oh, go ahead. I'm sorry. You saw the news with Deshaun Watson, right, that he re-tore the same Achilles he tore earlier this year? Yeah, I mean – I mean, if there's not a more snake-bitten franchise, and I'm not a huge believer in karma, but that dude – I mean, just to get Baker out of that situation was the best thing for him to go to an organization like Tampa.
SPEAKER 15 :
Baker has wrecked all my religious doctrine. I thought when you went to hell, there was no getting out. He proved you wrong, Andy. He proved me wrong. He went to Cleveland. He got out. Okay, I'm taking the commanders in the upset just for the heck of it. Last game, boy, this looks tight. Vikings. are favored by one. The Vikings got their clocks cleaned last week by the prohibitive favorite in the entire NFL, the Detroit Lions. They are favored by one on the road at the Rams, so the Rams have been red hot.
SPEAKER 08 :
Well, but it's no longer a true road game, Andy. Because of those old fires in L.A., they've moved that game to Arizona now.
SPEAKER 15 :
Is that where they're playing?
SPEAKER 08 :
By the way, great choice.
SPEAKER 15 :
Arizona has an awesome field, which I think may be the template for the new Denver Bronco field. It's gorgeous. But anyway, go ahead.
SPEAKER 08 :
Who do you like? You are absolutely correct. Well, Andy, I would say, honestly, if this, well, the Rams, I don't know how much true advantage they have in L.A., right, for a variety of reasons. Right. I've got to say, again, I haven't been sold on the Vikings. I think they're a fun story. I think they may get this game. I don't know if I'll take it that way. But I think that they're just, like you say, they're sort of the class of the NFC. There's some really fun, kind of interesting matchups. This is one of them because it'll be interesting how McVay goes against him. And he sort of goes against his disciple, right, in Kevin O'Connell. that was plucked from his staff a few years ago by the Vikings. Andy, Sam Darnold just sometimes looks a little bit too human, and he kind of came back down to earth last week. And I just feel like that's going to continue. He has no playoff experience. Matt Stafford does. Sean McVay does. The Rams are sort of getting healthy. Granted, it's going to sort of mess them up. It's not going to be a true home game for them. But I'm going to go with the Rams here, Andy. Semi on the road, even though it's going to be a neutral site game. I'll go with the Rams to pull it out and sort of end the dream Viking season.
SPEAKER 15 :
Well, they still get the tickets, so I think they'll have the crowd with them. I'm going to take the Vikings, and it has nothing to do with the quarterbacks, but the defense. I like the Vikings' defense better than the Rams'. They're tough. They're physical. Look, they just got wiped out by a team that's going to wipe out everyone, Detroit. And let's end with this. Is there any reason that the other 31 teams were even playing? I mean, is Detroit, barring injury, are they just hoping for Detroit to get some key injuries? Because is this already over? Is the Super Bowl already decided? You know, Andy, if... I don't see anyone facing that team.
SPEAKER 08 :
I agree, but at the same... Well, in the NFC, I think so. Like I said, maybe Philly, because I think it'll probably be Detroit. The AFC is just so hit or miss, Andy, right? You've obviously got the Chiefs who only have to win two games, and they are the experts this year at winning any sort of game they need to, but especially the close games, right? Patrick Mahomes is going to go down and get you a four-minute drive, whatever he needs to, unless you're down two scores and he has to sort of let it fly, which has actually been his kryptonite this year. And here's one for you. I don't know if you saw this one.
SPEAKER 15 :
I think Detroit would beat them by minimum 20.
SPEAKER 08 :
But go ahead. Well, with the Ravens, Andy, the Ravens every 12 years, they seem to win the Super Bowl with a 28-year-old quarterback with a 34-something score in the Super Bowl. Yeah, but they normally have – Trent Dilfer was 28 years old. They won it in whatever it was, 2000, 2001. And then Joe Flacco was 28 years old in 2000, I think it was 2013, when they ended up actually finally playing that Super Bowl. Well, Lamar Jackson is 28 years old, Andy, and it's been 12 years since their last Super Bowl win. So maybe it's just in the cards for the Ravens to pull it out.
SPEAKER 15 :
I totally agree with what you're saying. And by the way, Lamar is my MVP. But no, the Ravens don't have a defense that's anything like those years. I don't think the Ravens are a complete team. I really don't. I'm telling you what, if the Broncos win this week, they could beat a Ravens team. Okay? I'm not sold on anybody in the AFC. I think the only team that can physically rival the Lions is Philly.
SPEAKER 08 :
I think that's it. I just think, again, the AFC would have seen a buff. When Buffalo's on, they're hard to beat. Obviously, the Ravens with Lamar, if he is your MVP. And, again, the Chiefs. I just think any of those three teams to come out of the AFC, they're likely playing Lions. And the only thing I'd say to this is this, Andy. When was the last time Detroit was the favorite, right? And it's hard to be the favorite. The Chiefs know what being the favorite's like. They embrace that pressure.
SPEAKER 15 :
That's true.
SPEAKER 08 :
And I think the Lions will maybe be there, but you've got to do it. Now, I think that they can do it. If there's any team that can, it's them. I don't know, Andy. It's hard to be that one seed and have everyone gunning for you.
SPEAKER 15 :
That's all I'll say. No, you're right, but the money's got to be on them. I mean, if you had to put down some money, you'd put it on them.
SPEAKER 08 :
You would. Well, the odds say the favorite usually doesn't win it, right? So the odds would be a Philly or a Baltimore or something like that. And granted, the Chiefs, I think, are almost the favorite right now. But, yeah, I'm with you, Andy. The Detroit team, if they play like they're supposed to play, then it should. It should be a no contest, and they should honestly waltz their way to the Super Bowl. I agree. John?
SPEAKER 07 :
All right, last question from a listener. Ohio-Texas game, what do you guys call starts in an hour?
SPEAKER 15 :
Richard knows better than I do.
SPEAKER 08 :
Go ahead. I'll take Ohio State. As much as I like Texas, just because I don't like Ohio State, Ohio State is that team that got burned by Michigan. and they are just taking every ounce that they felt, and they are just running through everyone. And I just feel like that's going to be the case tonight, and then when they play Notre Dame for the national championship, likely going to be the case. I think not only does Ohio State win tonight, but they probably win the national championship too.
SPEAKER 07 :
Yep, there you go. Perfect. Hi-Fi Plumbing and Electric is next. 877-WE-HI-5.
SPEAKER 05 :
High Five Plumbing, Heating, Cooling, and Electric can install a tankless water heater as soon as today. Tankless water heaters are preferred to tank heaters because they heat the water as you use it, meaning you'll never run out of hot water again. Tankless water heaters also save you money on energy costs because you're not constantly heating up that big tank. And because they are so efficient, you will save more money in the long run. High Five customers also enjoy tankless heaters because they take up less physical space in your utility closet or laundry room. These tankless heaters can even add to your home's resale value. In addition to all these benefits, you can receive incentives and rebates of up to $3,200 from Uncle Sam, so it pays for itself. Find out more about tankless water heaters on the KLZRadio.com advertisers page and get in touch with High Five for answers to your home questions today.
SPEAKER 07 :
All right, Flesh Law, whether it's criminal or civil, Kevin is there for you. Give him a call, 303-806-8886.
SPEAKER 10 :
Here's why you need personal injury attorney Kevin Flesch on your side. He understands the way the jury thinks. In the context of a personal injury case, you've been hurt by someone else's negligence. The idea is that you're going to try to recover so that you can get back to where you were just prior to that incident occurring. What that really means from a jurist's perspective is that you're going to be asking them to award you money. So when we talk about fairness, we're talking about six people that you don't know. Those six people view the evidence and make a unanimous decision that will decide what the fair value is. When you're the one who's hurt, you have a good idea of what you think it's worth. The question is, can you persuade those other individuals whom you don't know and were witnesses to believe that's what the case is worth? Kevin Flesch understands the way the jury thinks. Call now for a free consultation. 303-806-8886
SPEAKER 13 :
As independent brokers, GIA Insurance can help you navigate through the maze of health insurance options so you get the right plan to fit your needs at the best premium. GIA never charges fees, and your premiums will never be any higher than going directly to the insurance companies or buying online. Call 303-423-0162, extension 100.
SPEAKER 04 :
Back to Rush to Reason, presented by High Five Plumbing, Heating, Cooling, and Electric, where every call ends with a high five.
SPEAKER 07 :
All right, welcome back. Rush to Reason, Denver's Afternoon Rush, KLZ 560. All right, snow movies, Andy.
SPEAKER 15 :
Yep, I'm going to do some different ones that I normally do. Don't want to go back to the same old stuff. I'm going to start off with an old movie with Liam Neeson called The Grey. Yep, it's in my list. Here we go.
SPEAKER 06 :
Don't move. Stay right back at him. If we can get to that tree line, we can better defend ourselves.
SPEAKER 1 :
Go! Go! Go! Hold on!
SPEAKER 11 :
She's gotta be kidding me. We can climb down.
SPEAKER 23 :
If we follow her river, we got a better chance of finding shelter.
SPEAKER 14 :
How are we gonna deal with this? We take them on, one at a time. I want to see your face. Feel your hands and mine.
SPEAKER 15 :
All right, and they're fighting wolves after a plane goes down. What do you think?
SPEAKER 07 :
It's a good movie. It was on my list.
SPEAKER 15 :
Yeah, I thought it was pretty good. Okay, Richard, you're up.
SPEAKER 08 :
Yeah, I feel like there's going to be lots of wolf movies, whatever it is, however you say it. Speaking of which, kind of a wolf movie, I'm going to go with one of my favorites, because Dad will know this, because of the book as well, White Fangs.
SPEAKER 07 :
Yep. Oh, okay. On my list.
SPEAKER 15 :
Well done, sir.
SPEAKER 07 :
All right, I had somebody text me this one, and it was on my list to boot. Has to be wolves. Most people don't think of it. No wolves in this one. I can remember. I don't think there is. Okay. Most people don't think of it as a snow movie, but there's thoughts. The Shining.
SPEAKER 15 :
Oh, yeah. Oh, yeah, absolutely. Okay, let's do a horror movie. And this is Up in the Snow, 30 Days of Night. Here we go.
SPEAKER 17 :
I saw him. Vampires here? Vampires don't exist, Jake.
SPEAKER 14 :
That cold ain't the weather. That's death approaching.
SPEAKER 02 :
They're tearing through everyone's home.
SPEAKER 15 :
Because it's 30 days of night way up there.
SPEAKER 07 :
We can last a month.
SPEAKER 15 :
Yeah, and some vampires have come into the area, and they're spreading like crazy. Everybody's becoming a vampire, so your friends are hunting you. Josh Hartnett. It is definitely one of the most intense vampire movies I've ever seen. Really well done. Richard, you're up. Yes, all right.
SPEAKER 08 :
Did you see that, Richard? No, Andy, did not. Not a huge horror movie guy. Okay, all right. Go ahead. All right. What one that maybe I don't know if you'll think of or not, and it's got a little bit of snow, but you're going to have to think for it. Behind Enemy Lines. Yes. Good one.
SPEAKER 07 :
I forgot about that one.
SPEAKER 08 :
It dropped back there. Owen Wilson.
SPEAKER 15 :
Yes. I enjoyed that movie. I really did, and you're right. It's very icy. Good one. Yes.
SPEAKER 07 :
All right. Here's another one most people don't think of with having snow. Daddy's Home 2.
SPEAKER 15 :
Oh, Daddy's Home 2. Here's a little clip.
SPEAKER 07 :
Okay.
SPEAKER 11 :
I mean, I think for Megan, this is less about wildlife conservation and more about bloodlust.
SPEAKER 21 :
Looks like somebody picked the wrong day to be a turkey.
SPEAKER 14 :
Keep your elbow down and cradle the stock, okay?
SPEAKER 21 :
Yeah, I get it. Can I shoot the damn thing or not?
SPEAKER 14 :
Yeah, that's the spirit. Take a deep breath and then squeeze that trigger as you're letting it out.
SPEAKER 06 :
Megan, are you sure this is what you want to do? Let's name it. She's not going to kill it if it has a name. Yes. Gertrude. Tom. Billie Holiday. Elijah. Elijah.
SPEAKER 07 :
Elijah. Elijah. That's hilarious.
SPEAKER 15 :
It is hilarious. That was a good part. Daddy's Home 2 was one of those rare sequels. That was good. Where you introduce two more characters and they totally bring life back to the franchise.
SPEAKER 07 :
Just wonderful. I agree.
SPEAKER 15 :
Loved it. You're up.
SPEAKER 07 :
Um, all right. Oh, wait, no, you're up in your venue. Oh, that was mine. You're up.
SPEAKER 15 :
Oh, that was right. I thought it was Richards. I lost track. Okay. Let's have a little bit of singing here. And I want to honor Kristen Bell because Kristen Bell, who's a wonderful singer and actress, uh, just gave 50 grand to help people with their medical bills include or a hundred grand, including 50 grand to help a couple of people with leukemia. So way to go here. She is singing in frozen. Hmm.
SPEAKER 17 :
Forever There'll be magic, there'll be fun For the first time in forever I could be noticed by someone And I know it is totally crazy To dream I'd find romance But for the first time in forever At least I've got a chance.
SPEAKER 15 :
And there you go. What do you think, Richard?
SPEAKER 08 :
Yeah, well, it was on my list, of course, Andy, especially since I just got back from the exact opposite movie, which was Moana 2. Oh, yeah. But yeah, very good film.
SPEAKER 15 :
Did the kids like it?
SPEAKER 08 :
You didn't like Moana 2, Andy?
SPEAKER 15 :
No, I did not. Why not? I thought it was cheap and... You know, was it horrible? No, I didn't give it a horrible review, but I didn't give it a great one, no. It just wasn't very good.
SPEAKER 08 :
Did you ask the opinion of a 7-year-old, a 5-year-old, and a 3-year-old?
SPEAKER 15 :
Well, come on. Bright, shiny things dancing on the screen is going to be enough for that. Come on.
SPEAKER 08 :
They loved it, of course. So there you go. I just want you to know that you don't like children. So it's okay.
SPEAKER 15 :
Well, I didn't know that until now. Thank you.
SPEAKER 08 :
There we go. Go ahead, John. You're welcome. I'm up. No, it's me. You were frozen, Andy. Well, that's right. You did frozen. Go ahead. Go ahead, Richard. All right. I'm going to go with the exact opposite of frozen, which is Dumb and Dumber.
SPEAKER 07 :
Yeah, that'd be the opposite of frozen. It's on my list. There's a lot of snow in that one, actually. Yeah. I'm trying to think of ones where people wouldn't think normally that it's snow, but yet there is snow in it. So how about Grumpy Old Men?
SPEAKER 15 :
Oh, yeah. A lot of snow. Ice fishing.
SPEAKER 07 :
Come on.
SPEAKER 15 :
That was funny, too.
SPEAKER 07 :
But you don't think of it as a snow movie.
SPEAKER 15 :
No, you don't. That's not your first thing. Okay. I'm going to go with a movie starring Naomi Watts, which I gave four stars a couple years ago called Infinite Storm. She's a hiker. She's got to rescue a guy off a mountaintop. Here we go.
SPEAKER 19 :
If we don't get Logan, we're dead. See that down there, John? That's home. Let's go home, John.
SPEAKER 15 :
Very intense. That was a great movie. It was a good movie, wasn't it?
SPEAKER 07 :
It was really good.
SPEAKER 15 :
And Naomi Watts was wonderful. I thought she was just terrific. Absolutely. Go ahead, Richard.
SPEAKER 08 :
I can't believe we haven't said this one. And, yes, it's a classic. But I just love me a good, you know, storm movie, right? Like totally fictitious, you know, end of the world, global warming is the word. I just love them because I know it's like watching Mulan 80, right? You know, it's just fictitious. So you can just enjoy this. you know, science fiction type movie. So, of course, I'm going to go with The Day After tomorrow.
SPEAKER 07 :
Oh, yeah. On my list.
SPEAKER 08 :
Moana's fictitious?
SPEAKER 15 :
Well, maybe not to you, Andy. Okay.
SPEAKER 07 :
Not a chance?
SPEAKER 15 :
Not to me. Go ahead, John.
SPEAKER 07 :
How about one where they eat each other?
SPEAKER 15 :
Oh, okay.
SPEAKER 07 :
Alive. True story.
SPEAKER 15 :
Yeah. Gross. Yeah.
SPEAKER 07 :
And true story. And they ate each other.
SPEAKER 15 :
Yeah. Yeah. Okay. Well done. Well, you know, so often I play clips from Miracle. But I'm not going to do Miracle this time. I want to do one that's similar. Mystery Alaska. Here we go. We're selling this as a human interest story.
SPEAKER 01 :
The Mystery Boys. We don't know who they are or what they are. All we know is they have poor dental health and can skate like the wind.
SPEAKER 06 :
I don't know how to coach. If we're going to make a game of it, it should be you. If I'm coaching, I need a captain on the ice. Two things we've always had in mystery. Our dignity and our illusions. I suggest we cling to both. Big. Not that big.
SPEAKER 15 :
I'm not beaten. Anybody here tired?
SPEAKER 07 :
No. I've never seen that movie.
SPEAKER 15 :
Yeah. This little town called Mystery, Alaska, where they play hockey all the time, and they get a chance to play the New York Rangers.
SPEAKER 07 :
I put it on my list.
SPEAKER 15 :
And it stars Russell Crowe and Burt Reynolds, and it is a surprisingly good movie. I definitely recommend renting it for anybody who hasn't. Richard, go ahead. Who is Burt Reynolds in that movie? Burt Reynolds, he wound up being the coach. Was he the mayor or whatnot?
SPEAKER 08 :
Judge Walter Burns. Oh, the judge. The judge. That's right. He's a good judge.
SPEAKER 15 :
He's really good at it. Trust me.
SPEAKER 08 :
Does a good job. That's right. Fun movie. That was pretty good. It actually was an enjoyable movie. I'll give you that one, Andy. All right. I'm going to go with one. This is a fun, lighthearted movie. Cuba Gooding Jr. Snow Dogs.
SPEAKER 07 :
Oh, yeah.
SPEAKER 08 :
That was cute.
SPEAKER 07 :
Yeah, that's on my list here somewhere.
SPEAKER 15 :
By the way, when you think of actors who are just flat-out likable, he comes right to mind, doesn't he?
SPEAKER 07 :
Yeah.
SPEAKER 15 :
Yeah, he does.
SPEAKER 07 :
John, you're up. I'm surprised Richard hasn't mentioned this one yet. Iron Will. Oh, that's a Richard-type movie. It's a good movie.
SPEAKER 15 :
Yeah, okay. Here's an action thriller from 2000, Vertical Limit. Oh, yeah, it's on my list. Yeah, and this is... Oh, is that a mountain-climbing movie with a lot of action? Here we go.
SPEAKER 01 :
My sister's dying up there, Mr. Wick.
SPEAKER 06 :
Up there, you're not dying. You're dead.
SPEAKER 15 :
I'm telling you what, if you want to see some action, that is intense.
SPEAKER 07 :
It's a good movie.
SPEAKER 15 :
Yeah, it is a good movie. Okay, Richard, you're up.
SPEAKER 08 :
Underrated, Andy. All right, speaking of which, another underrated climbing movie. You actually just made me think of this, which is a good old Sylvester Stallone movie, Cliffhanger.
SPEAKER 15 :
Yes! And here we go, really quick.
SPEAKER 1 :
No! No!
SPEAKER 15 :
And she falls and she's gone. Oh, wait. No, no, no. That was from Kamala's campaign.
SPEAKER 07 :
Oh, that's it.
SPEAKER 15 :
I'm sorry. I'm sorry.
SPEAKER 07 :
That's it.
SPEAKER 15 :
I'll see if I can get a cliffhanger clip later. Go ahead, John.
SPEAKER 07 :
Hot tub time machine. Jeez.
SPEAKER 15 :
You're an embarrassment. She'll see you now.
SPEAKER 07 :
Lots of snow. Yeah. And other things. Oh, hang on. We got Ashley calling in. Hang on. Give me one second. I'll get the right channel up. Ashley, how are you?
SPEAKER 20 :
Good. How are you?
SPEAKER 07 :
I'm good. What do you got for us?
SPEAKER 20 :
So a couple of snow movies. One that I really love, animated, Rise of the Guardians.
SPEAKER 15 :
Oh, yeah. Rise of the Guardians. Corey and I enjoyed that movie. Fun little movie. Okay.
SPEAKER 20 :
Yeah. And then the other one is pretty much every Harry Potter movie has at least one section in it that's just all snow.
SPEAKER 07 :
This is true. This is true. I've never seen one, so I will take your word on that.
SPEAKER 15 :
John.
SPEAKER 07 :
I know. Sorry.
SPEAKER 15 :
When are you going to have a childhood?
SPEAKER 07 :
Never.
SPEAKER 15 :
You're running out of time.
SPEAKER 07 :
Yeah, never. At this point, too late.
SPEAKER 15 :
It's not looking good.
SPEAKER 07 :
It's all past.
SPEAKER 15 :
Okay.
SPEAKER 07 :
Ashley, appreciate you.
SPEAKER 15 :
No problem, guys.
SPEAKER 07 :
All right, man. Take care. Appreciate you very much. Keep going. We're good. You're up, right?
SPEAKER 15 :
Yeah. Okay. Here's Bill Murray talking about how he's God. He's come to believe he is God, and he's not happy about it in Groundhog Day. Here we go.
SPEAKER 23 :
This is Gus. He hates his life here. He wishes he stayed in the Navy. But I could have retired on half pay after 20 years.
SPEAKER 19 :
Excuse me. Is this some kind of trick?
SPEAKER 23 :
Well, maybe the real guy uses tricks. You know, maybe he's not omnipotent. He's just been around so long, he knows everything.
SPEAKER 17 :
Oh, okay. Well, who's that?
SPEAKER 23 :
This is Tom. He worked in the coal mine until they closed the town.
SPEAKER 17 :
And her?
SPEAKER 23 :
It's Alice. Came over here from Ireland when she was a baby. She lived in Erie most of her life.
SPEAKER 17 :
He's right. And her?
SPEAKER 23 :
Nancy. She works in the dress shop and makes noises like a chipmunk when she gets real excited.
SPEAKER 17 :
Hey!
SPEAKER 23 :
It's true.
SPEAKER 15 :
How do you know these people?
SPEAKER 07 :
That was a good movie.
SPEAKER 15 :
It was a really good movie. That is one of Bill Murray's best.
SPEAKER 07 :
On my list. Okay, Richard, you're up.
SPEAKER 08 :
All right, Andy. Let's see here on the old list. Oh, we didn't do Leo yet, did we? And Revenant?
SPEAKER 07 :
No, we did not. It's on my list.
SPEAKER 08 :
Well done, sir.
SPEAKER 07 :
How about... Eddie the Eagle.
SPEAKER 15 :
Never heard it.
SPEAKER 07 :
It's a good movie. You've never seen it?
SPEAKER 15 :
I have not seen Eddie the Eagle.
SPEAKER 07 :
Oh, you would like it, Andy. Okay. It's a great movie, actually. It's one of those sleeper movies, isn't it, Charlie? It's a sleeper movie that most people have never seen, but it's really good, Andy.
SPEAKER 15 :
Okay.
SPEAKER 07 :
Yeah.
SPEAKER 15 :
Well, here's the fun movie a lot of people have seen, Van Helsing.
SPEAKER 24 :
My life, my job, my curse is to vanquish evil.
SPEAKER 14 :
His name is Van Helsing.
SPEAKER 18 :
Some say you're a holy man. Others say you're a murderer. Which is it?
SPEAKER 14 :
It's a bit of both. He has come to a forbidden land to battle enemies that are legend.
SPEAKER 15 :
Okay, a lot of action. That was a fun movie. That's the one I've never seen.
SPEAKER 07 :
Oh, really?
SPEAKER 15 :
Yeah, it's got the monsters and everything, but it's not that intense. It's good. Richard, have you seen it? Yeah, you've never seen Van Helsing, Dad? Nope.
SPEAKER 07 :
Never have. What's wrong with you? I don't know. It's kind of a devilish thing, isn't it? Isn't he like a devil or something?
SPEAKER 15 :
No, he's not a devil. He works for the church. Although he's a bad guy, but he works for the church.
SPEAKER 07 :
Oh, okay. No, I've never seen it.
SPEAKER 15 :
I mean, the church is relative, Andy.
SPEAKER 08 :
Yeah, you know. We won't get into the details of that. You know, it's the devil in veto. Yeah. Okay. But, yeah, it's a Dracula movie. I mean, it's not like it's amazing.
SPEAKER 15 :
I've never seen it, no. Hey, it's got Kate Beckinsale, so I am sold. All right. Richard, you're up.
SPEAKER 08 :
Exactly. All right, I'm going to go with one... Snowpiercer.
SPEAKER 07 :
Oh, yeah. I think that's at the top of my list or close to it. One of the top, yeah. Yeah, very close to the top. Again, I'm trying to think of ones that most people wouldn't think of as snow movies. How about The Thing? The Thing.
SPEAKER 15 :
Oh, yeah. Well, that's classic.
SPEAKER 07 :
That's Kurt, right? Kurt Douglas, yeah.
SPEAKER 15 :
Okay. Scary, by the way.
SPEAKER 07 :
Oh, yeah, Russell. Russell.
SPEAKER 15 :
Here's a classic I guarantee you haven't seen from 1985, but I'm telling you it is at least a four-star movie. It's a very good runaway train. Here we go. Oh, yeah.
SPEAKER 18 :
We make a hell of a team, don't we, man?
SPEAKER 21 :
No, no, nothing from nothing. Being around me is really stupid. I'm at war with the world, everybody in it.
SPEAKER 01 :
I don't know what happened, but there's no engineer on this train. There's nobody on this train but us.
SPEAKER 21 :
The brake shoes have burned off. The overspeed control must have gotten screwed up. Engineers do not just crow. You want to be a tough guy? You want to be a legend?
SPEAKER 16 :
Go back!
SPEAKER 15 :
I'm telling you what. I've never seen that one. John Voight is the star. That is an intense movie, and it's really good. Runaway Train. Can't recommend it highly enough. And, Richard, you're up.
SPEAKER 08 :
All right, Andy. You're going to have to tell me. I don't know if you saw this one or not because it looks good, but I don't know. It didn't get great Rotten Tomatoes reviews, but I don't care about that. I care about your thought process some of the time. Elevation.
SPEAKER 15 :
Oh, gosh. I can't remember it. I'm sorry. It came out like at the end of last year. Did you see it? I probably did, but I see so many.
SPEAKER 07 :
I'll go back in my notes and look, and I'll let you know.
SPEAKER 15 :
I see so many hundreds of movies.
SPEAKER 07 :
All right, one more before we let Richard go. Spies Like Us.
SPEAKER 15 :
Oh, Dan Aykroyd and Chevy Chase.
SPEAKER 07 :
Chevy Chase and all of them.
SPEAKER 15 :
Yeah, okay.
SPEAKER 07 :
All right, Richard, I'll let you go. Have a great weekend. And Roof Savers of Colorado is coming up next. Speaking of snow and all the things that we've got going on right now, if you need some work done on your roof, Dave can do that in between storms. Call him today, 303-710-6916.
SPEAKER 01 :
We'll be right back. But here at Roof Savers, we offer both financing options and referral fees to offset some of those upfront costs. Already filed a claim with your insurance? We are happy to utilize those insurance proceeds to get your roof the replacement it needs and your home stronger protection from hail. With over 23 years of roofing experience, Dave and his team are ready to help. Call us today at 303-710-6916 or go to RoofSaverCO.com to set up your free inspection. That's 303-710-6916 or go to RoofSaverCEO.com and stop worrying about your roof today.
SPEAKER 07 :
All right, Bruce Simmons, he is our reverse mortgage professor. If you've ever had a question on a reverse mortgage or anyone in your family's had one, give him a call today, 303-467-7821.
SPEAKER 12 :
Your parents still have a mortgage payment weighing on them every month, and our reverse mortgage expert, Bruce Simmons, might be able to help. In many cases, our parents keep paying their mortgage and waiting for the house to finally be paid off when Bruce could potentially get them set up with a reverse mortgage. That would eliminate their principal and interest payment. That can even be true if your parents live in other states where Bruce's company works, including Florida, Texas, Arizona, and more. A lot of the parents that Bruce works with like to fully involve their families for checks and balances. Bruce will gladly do that, too. And Bruce can also set up a line of credit for your parents for emergencies and unexpected expenses. This is a great way to preserve your parents' independence and keep them in their own home. while reducing the monthly financial burden on their budget and keeping everyone informed. Give your parents their freedom by contacting Bruce Simmons at klzradio.com.
SPEAKER 07 :
All right, Cub Creek Heating and Air Conditioning. If you need a second opinion or just want a great deal on getting your furnace back up to speed, give them a call today. Find them at klzradio.com.
SPEAKER 24 :
Cub Creek heating and AC is honest and fair. Hunter of Cub Creek always says he just wants to be able to sleep at night. That's why they don't pay their tax based on commission so they avoid incentivizing things like upselling or creating problems that would cost you money. Hunter is thorough and honest. When they come to help with your heating and AC, they start by cleaning your system first because it's not possible to get good readings on a system that's dirty, and they want to avoid charging you for unnecessary things. Cub Creek Techs will test your system, determine several options, and present those to you so you can make an educated decision and choose a path forward. That sort of honesty shouldn't be revolutionary, but unfortunately it is, which is what keeps Hunter of Rheem Certified Pro Partners Cub Creek Heating and AC in business. Find out more about Cub Creek on the klzradio.com advertisers page for a free consultation.
SPEAKER 19 :
Are you in the market for a reliable car, truck, or SUV that won't break the bank? Does your vehicle need high-quality auto repair? Then look no further. Ridgeline Auto Brokers and Legacy Auto Repair specialize in quality used cars that cost between $15,000 and $25,000, making them a great option for first-time drivers or anyone looking for a great deal. At Ridgeline, we pride ourselves on providing a transparent and happy hassle-free car buying experience. That's why we never charge any dealer fees. Plus, all of our vehicles are inspected by our team of ASE certified technicians. You can trust that the car you're buying is in excellent condition. And remember, we can also service your vehicle after the sale. At Ridgeline, we can take your current vehicle on trade, and we also offer competitive financing options for vehicle purchases and also for vehicle repairs. Ridgeline now has two locations, one in Boulder and now a second location in Fort Collins located at 1101 North College Avenue. Both locations offer full-service auto repair and a host of off-road accessories. Check out all their services at RidgelineAutobrokers.com. Ridgeline, the smart way to buy or service or accessorize your car, truck, or SUV.
SPEAKER 11 :
Now back to Rush to Reason on KLZ 560. All right, Andy, rattle a few off.
SPEAKER 15 :
Okay, we've got Sleepless in Seattle, Penguins of Madagascar, Seven Brides, Seven Brothers, Red One, X-Files, Baby Boom, Bad Santa, Everest, Eight Below, and The Edge.
SPEAKER 07 :
All right, that is it, guys. Don't forget tomorrow morning, Fix It Radio at 9, followed up by Drive Radio. Have a great night. Be safe. This is Rush to Reason, Denver's Afternoon Rush, KLZ 560.
SPEAKER 16 :
I'm a rich guy
In this episode of Drive Radio, we venture into the realm of automotive care and insurance wisdom fit for winter warriors. Our experts share innovative cold weather hacks—from windshield treatments to reliable starting tips—equipping your car to withstand the harsh winter breeze. A deep dive into insurance strategies also awaits, with insights on how meticulous policy management can safeguard your assets without breaking the bank. Learn from real stories, tips, and tactics that have stood the test of time, as our speakers narrate their experiences with snow, safes, and savvy budgeting—crafting a narrative that’s both informative and engaging for car enthusiasts and cautious drivers alike.
SPEAKER 12 :
It's 106 miles to Chicago. We've got a full tank of gas. It's dark, and we're wearing sunglasses.
SPEAKER 14 :
Hit it.
SPEAKER 21 :
Our lady of blessed acceleration, don't fail me now.
SPEAKER 06 :
It's time for Drive Radio, presented by Colorado's select auto care centers.
SPEAKER 07 :
Bop-a-da-bop!
SPEAKER 06 :
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 05 :
Hey, how exactly does a positrack rear end on a Plymouth work?
SPEAKER 06 :
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 08 :
All right, Drive Radio, KLZ 560. Thank you all for joining us. We had a great hour during Fix-It Radio. Phone lines are open, of course, 303-477-5600. We've got a full crew today. Oh, text line 2, by the way, 307-200-8222. But going around the table here today, we've got Josh from Legacy Automotive and Ridgeline Auto Brokers. Good morning. Good morning.
SPEAKER 04 :
It's a nice day to be here.
SPEAKER 08 :
You know, as cold as it is, yeah. But a nice, bright, sunny day. Can't beat that. And might have a little snow later this afternoon. We'll see. Justin here as well, same place. How are you, sir? Good. Good to be back. Haven't seen you for a little bit. It's been a little while. Appreciate you. Dietze from ProTech AutoShield here as well. Hi, everyone. Good morning, Dietze. And Roy, of course. Roy, welcome. How are you? Good morning, everyone. Roy Perez. Thanks for having us here today. Always a joy. Thank you guys as well. We'll get into a lot of things today, by the way. Most of all, though, we're here to answer your questions. So whatever your questions are, please let us know. 303-477-5600. Okay, knowing all the cold weather we've been through, we've got more cold weather coming potentially this next week. Might even have a substantial snowstorm this week. We'll see how that all develops. But what are your favorite things? Cold weather tips. So it could be on any level. In other words, what do you do to help your car start in the mornings easier? Maybe you park outside and you've got a little tip on how that works and so on. So whatever your tip is, let us know. 303-477-5600. Eric, what's going on? Hey, good morning, John. Good morning, Eric.
SPEAKER 12 :
So I want to kind of give a comment regarding what you're talking about last hour with the insurance. Sure. So one of the things that I have found on, and I've been doing this for the last several years, is my auto renews in April, my home renews in May. The minute I get the renewal documents, I have two different brokers that I call. One is Paul, one is... Oh, my God, drawing a blank on the other one. And then I also call my regular agent, you know, to see, okay, do I need to make changes to, you know, to my coverages? I've been with Allstate for like 11 years, and just because the way our policies are set up, everybody's like, eh, just stay where you're at. If they can beat it, it's not by enough to, you know, to make it worthwhile. But the one broker told me, he says, you know, he looked at my coverages one day, and he goes, I would raise your coverages. He says, just as a precaution, and especially after the Boulder fire a couple years ago, he said, I think you're underinsured about $50,000. And for some stuff, it's amazing how little it changes the price of your policy. And then there's other stuff that it's like, oh, my God.
SPEAKER 08 :
To your point, Eric, it goes back to, you know, last hour and, you know, pick and choose. And one of the ways you can even save money on some some not always, but on some policies would be raise the deductible, get more coverage, but raise your deductible. There's creative ways to make things happen. And not every as you know, not every insurance company is equal.
SPEAKER 12 :
Right. And that's what, years ago, when I had a motorcycle, and that's actually how we switched to Allstate, was we had e-surance at the time, and e-surance had my policies separate between the motorcycle and the car. And the lady from Allstate kind of, it was a deal, we were at the home show, and she saw my wife's purse, and, oh my God, that's a beautiful purse, and they started talking, and she suckered my wife out of our personal information. Good salesman. Yeah. god damn right good salesman and um she called me about a month later and i was kind of annoyed but she wrote us they wrote us a policy that made your head spin when you looked at it but um it worked and it saved us a significant amount of money and i was with that agent up until he retired at the start of 2020 and then the new agent i'm not as happy but he he does good he does good um And, yeah, they got creative with rewriting policies and bundling things together. It saved us a ton of money and gave us better coverage. There you go. And, you know, like I still do ride share on the weekends, and I've thought about reducing some of my coverage. And everybody has said, absolutely not. As long as you can afford it, keep the super high coverage like you've got, keep your umbrella policy, it's just worth it. You know, yeah, it's expensive, but trust us on it. It's worth it. The other thing regarding the videoing, so when my grandmother died in 2012, my dad and I started going through stuff in the house while she was still alive. And she said, well, the safes, you know, we've got three safes. And it's like, okay, well, they had this iron chest safe that literally, when it was later removed from the house, required three men and a dolly. I mean, it just wasn't that big. But, you know, it just sat on a desktop or it sat on a shelf or on the floor, rather, but it weighed like 400 pounds.
SPEAKER 08 :
Yeah, raced out. They don't hardly make them like that anymore, as you know.
SPEAKER 12 :
You can't even buy it. I mean, I wouldn't even trust a gun safe as much as I would trust that thing. But when we opened it up, there were three Super 8, three VHS, and then three of the little mini VHS. uh videos videotapes in there that they had recorded the house and these were updated over every few years they had another safe down in the basement that they had done the same thing and then we found out later on through the will that her attorney had had copies of these also and they would just every few years they had been updating we didn't even know they were doing it We just, you know, but they were doing it. And you can, you know, and to the idea of using your phone, you can still buy a regular mini DV cam fairly cheaply and, you know, and record everything that way, too. Sure. And then, you know, you would have the diff. The one thing is you said about, I know you said half-jokingly about burying the mini drive out in the backyard. Yeah, I wouldn't. Yeah, I wouldn't do that. You'll never find it. Well, that and it will degrade very quickly being buried underground like that without proper precautions.
SPEAKER 08 :
Right, yeah. And point, yeah, tongue-in-cheek because you'll never find it.
SPEAKER 12 :
Yeah, yeah, pretty much. But anyhow, now on to my regular question. Yeah, go ahead. So on my frontier, I get these, for the last couple of years, I have been getting these oddball transtem readings. where my output side will show 230 degrees, the return side will show like 160 degrees, and then all of a sudden the bypass, which is supposed to open at 150, but now we have no idea when the bypass opens, and it will just randomly open, and all of a sudden my temperatures will drop significantly. The bypass is supposed to open between 150 and 160, according to like four different transmission people I've talked to. My thought is, I already know eventually I'm going to have to have this trans rebuilt. My thought, though, is with getting these oddball temps, should I maybe start with this notion of just replacing the trans cooler since the bypass is built into it up front, since it's going to get replaced anyhow when the trans gets replaced?
SPEAKER 04 :
Are you doing fluid services on it?
SPEAKER 12 :
Yes. Every 30K, the trans gets serviced.
SPEAKER 04 :
And it's synthetic?
SPEAKER 12 :
It's whatever. I think it's Nissan Matic S or Matic P, whatever it is.
SPEAKER 04 :
Yeah, so it meets the spec. I mean, you could start with the trans cooler, but you're not getting a code. You're just seeing temperature fluctuations, right?
SPEAKER 12 :
Well, yeah. So what happened was a couple years ago, we were off-roading four low way up in the Zemdar Hills, and all of a sudden, my outputs hit 300 degrees. No code, no limp mode, nothing. But the return showed like 220. And within a little bit, it dropped back down to normal range. Ever since then, it's wanted to run high. The week after it did that, I had the fluid changed, and the Nissan dealer did it. The guy's like, the fluid looks fine. He said it is not burnt. It does not smell burnt. He says, I don't see any evidence of an issue. He says, so I'm not sure what happened. And we scanned it, and there was no codes, no pending, nothing.
SPEAKER 04 :
And it has an external cooler on it, or is it just the one? Yeah, it has the factory.
SPEAKER 12 :
Well, it has the one in the radiator, then it has the factory auxiliary trans cooler because it's got the tow package.
SPEAKER 04 :
And the fins look good on it. It's not like, you know, there's a bunch of mud on it because sometimes when you're four-wheeling, you get mud and everything caked on the radiator and, you know, any coolers you have. So you'll have a spike then, and then usually with me, I drive through a stream, and next thing you know, it's back to being cool again.
SPEAKER 12 :
Yeah, no. No, no. I've checked it, and I've pulled the grill and looked at all of it, and I don't see any of that. And I've rinsed it, you know, back rinsed it. you know, a couple of times, you know, sprayed water back through.
SPEAKER 08 :
I personally, Eric, and I'm Josh's opinion, I wouldn't do anything cooler-wise, replacement-wise until you do the transmission because you're going to do it then anyways. I wouldn't mess with it until then, personally. And you're probably not that. I don't think it's worthwhile.
SPEAKER 12 :
Cause I'm not going to do the trans until it actually needs done. I mean, every quote I've got, I've talked to like five different shops and everybody's and the dealer and everybody's the same price between 55 and 6,000 parts and labor. Um, you know, everybody's pretty much in the same range here in about 2000 miles. That's going to get serviced again. The fluid is going to get done. And that's kind of what, what I was debating. Cause Nissan told me this, well, when we do the train and another shop, I told you, well, when we do the trans, we can replace the cooler. It's like an extra 150 bucks. If you supply a factory cooler. you know, we'll swap it out for you. That's what I would do. Yeah. So just keep up with the regular maintenance like I do. That's what I do. When it goes, it goes. That's right. And that could be a year from now.
SPEAKER 08 :
Who knows?
SPEAKER 12 :
I mean, I do plan on keeping this thing for a while.
SPEAKER 08 :
All right. There you go. Eric, I've got to run to break. Thanks, man. Appreciate you very much. Stephen, John, or Stephan, I should say. John, guys, hang tight. We'll come right back. Take your call. One line open, 303-477-5600. Drive Radio, KLZ 560.
SPEAKER 05 :
There's something special about Napa Auto Care Centers. They're backed by the national strength of Napa. Nationwide warranties honored by thousands of locations. You know, that's Napa know-how. But more importantly, your Napa Auto Care Center is independently owned and operated by neighborhood professionals who operate by a written code of ethics. Put your vehicle in the hands of ASE certified technicians who will greet you with a smile you can trust. Visit us today at NapaOnline.com.
SPEAKER 01 :
Interested in buying a new home? Well, the cost may have just gone down. It's been a seller's market for years, and buyers are regaining some authority. Want to cut your costs when you buy? Take AIM, Affordable Interest Mortgage, 720-895-0500. Recent changes to buyer's agent compensation now helps the buyer spend less. Sellers no longer need to raise the price to cover compensation for both sides. Your pre-approval now gives you more control in pricing and compensation. Make sure you work with a knowledgeable mortgage broker that will save you money. Take AIM 720-895-0500. AIM has a team of broker agents willing to negotiate their compensation and save you thousands. They know the new law. They're experienced and professional. Before you sign with an agent, protect yourself with a real pre-approval letter that puts you in charge. Take AIM. Affordable Interest Mortgage, 720-895-0500. We have that team willing to work for you. That's 720-895-0500. Regulated by Dora and MLS, 217-147, Equal Credit Lender.
SPEAKER 21 :
If you're looking for great quality eye care, look no further than Stack Optical. Hey, this is Scott Whatley, and for over 20 years, Allen Stack has been taking care of our optical needs. At Stack Optical, they handle all of your eyewear needs with glasses, prescription glasses, shooting glasses, sunglasses, contacts. eyeglass repairs, and yes, even eye exams. And those eye exams are only $69. And if you've been told you've got a complicated prescription, that's just one of the specialties at Stack Optical. At Stack Optical, they have their own on-site lab, and in most cases, you can have your new glasses in just two to three days. Stack Optical, 2233 South Monaco Parkway. Free and up-close parking. Call them today. 303-321-1578. That's 303. 321-1578 or visit stackoptical.com. And remember, at Stack Optical, you'll see the difference.
SPEAKER 02 :
Picture this. You're cruising down the open road, the wind in your hair and the sun on your face. Now imagine doing it in a car that looks as good as the day you drove it off the lot. That's where ProTech AutoShield and Nano Coatings comes in. ProTech, the name you can trust for top-tier automotive protection. Your car isn't just a set of wheels, it's an investment. And we're here to make sure it stays pristine. Step inside our cutting-edge facility where we craft the latest in automotive protection. Our advanced paint protection films acts like an invisible force field, shielding your car from road debris, rock chips, and whatever Mother Nature throws your way. And for that showroom shine that lasts, Our premium ceramic coatings offer unbeatable protection against dirt, water, and those harsh UV rays. But ProTech isn't just about the exterior. We care about every detail, inside and out. Our interior protection products ensure spills, stains, and wear and tear are a thing of the past. Worried about making the right choice? Our expert team is here to guide you, ensuring your car gets the treatment it deserves. Elevate your driving experience with ProTech AutoShield and Nano Coatings because your car deserves the best. Visit ProTechAutoShield.com today or call 303-423-2841 and shield your investment with confidence. Drive on. Protected with ProTech AutoShield.
SPEAKER 08 :
All right, we are back. Drive Radio KLZ 560. Roy and Dietze both from ProTech Auto Shield with us. And for those of you, especially business guys, where you may have bought something towards the end of last year, you need to get your logo, get it wrapped, whatever the case may be, you guys can take care of that all day long. And I want to put a plug in for you guys because the other thing that you guys will do is, and Dietze, I know this, because you can put a wrap on, but you can put a wrap on incorrectly. And what I mean by that, and I didn't know this before meeting you guys, you will take into account where are the mirrors and the door handles and where's the door openings and so on. And if something's open, is it cutting into the way the wrap actually looks or is it cutting a phone number into and on and on we go. You look at all of those things and adjust accordingly so that when that person is out and about, everything works properly, right?
SPEAKER 18 :
That's correct. You want to take into account all the curves of the truck, everything.
SPEAKER 08 :
Because, again, we want to get the most value out of the wrap in the first place. That's why you're doing it. Exactly. Correct? Okay. So for those of you that are listing business people that might need something, they are going to do it differently than your typical non-car person that will still wrap a car. They will do it differently than what that particular person will. So John and Cheyenne, you're next. Go ahead. Hey, John. Good morning. Good morning. Good morning.
SPEAKER 09 :
So quick tip on the question of the day. I have found before I had my garage that if you do a rain repellent treatment on your windshield in the winter, you almost never have ice bonding to it because it keeps the ice from getting in those little pits and everything. So that's a great trick because if you've got to brush your windshield off before you go to work, at least you're not scraping it, which could do more damage, you know. So I always do my windshield, my side windows, because then it blows the snow and the moisture off if you're driving on a, you know, snowy, rainy day. And my back window on the 4Runner, of course, the side mirrors at the same time. Great idea. Just because those are the things you have to have to clear. The other thing, somebody bought me years ago as a gift, It was one of those windshield covers because they knew I parked outside. Oh, yeah. That thing works great.
SPEAKER 08 :
I've never used one. I've never known anybody that did, so thanks for the tip. I've never used one.
SPEAKER 18 :
I mean, this one's nice. I had a neighbor in the apartment that I used to live in. She would use a blanket, just a regular blanket.
SPEAKER 08 :
Just a regular blanket, and it worked.
SPEAKER 18 :
And it worked.
SPEAKER 08 :
Okay.
SPEAKER 09 :
Yeah, the windshield cover's got vinyl on the outside. It's got two little boots that cover the two side view mirrors. It fits on my ramp. and it's got a little piece that you put it, you open the driver's door, and then you put this little piece of vinyl in and close it, and that will hold it down better. Good to know.
SPEAKER 08 :
I've never used anything like that.
SPEAKER 09 :
You know, and you could probably search it on Amazon, and I got a feeling they're less than $100. Okay. But they might have gone up. The question I have, is on my 4Runner when it's snowy like this. I can't see out of the back window after about three or four miles on that grimy, wet road because of the vacuum. Do they make, like, something that would redirect the wind to keep the back clear?
SPEAKER 08 :
Like a rear spoiler? Old wagons had, back in the day when we, you know, old wagons and even the 4Runners and stuff back in the day, you could put a little wing on the back that did it. Do they make those for the newer ones or no, Josh?
SPEAKER 04 :
I haven't seen them on the newer ones, no. okay yeah because that's that's what they used to use and it worked great right it seemed like once they sort of put a wiper blades on the back then they got rid of those because they figured the wiper blades would would handle that yeah
SPEAKER 09 :
It doesn't work as good. You get that little window, but you're almost constantly using the washer fluid on the back with the wiper blade to clear it.
SPEAKER 08 :
And I'm one of those that won't use that because the first wipe, I know there's not enough on it, and it's going to scratch the glass, so I won't use them because I'm that particular. Just look at your side mirrors. Yeah, because I just know that first wipe is scratching.
SPEAKER 09 :
Yeah, it's... It's tough. I was just wondering if any of your guys had heard of anything like that.
SPEAKER 08 :
No. I mean, again, back when – I mean, Josh and John, both, I'm talking 25, 30 years ago. I used to put a ton of those spoilers on a lot of the different SUVs and stuff because it was a pretty common aftermarket thing to put on. And then – I don't know, kind of a trendy thing, I think. After a while, some of the manufacturers started kind of including those on some of the vehicles, and then over time, to Josh's point, once we started getting the rear wipers and such, they kind of just went away altogether, and I don't know, stopped selling them. You know, back when we used to put that Lund stuff on everything. Correct, correct.
SPEAKER 04 :
Yeah.
SPEAKER 08 :
A little wing in the back. That's what it was. That's what it was, yeah. Just deflected the air down onto the back window to keep the dust off of it.
SPEAKER 09 :
Yeah, that's what I was hoping to find, but I guess...
SPEAKER 08 :
I mean, about the only thing I could say, John, on that is, you know, do some measuring, get online, see if there's even another type, you know, another vehicle that's similar where you think you could make that fit. The biggest thing is, and I just hate, is I don't like drilling holes and doing things that you're going to have issues afterwards with.
SPEAKER 04 :
Right, it'd have to go off the rack. Correct. I think why they're not doing it, too, is with aerodynamics, people don't put up with the noise, and it's always been... Oh, good. There you go.
SPEAKER 09 :
And the 4Runner is not the quietest vehicle out there.
SPEAKER 04 :
No, they're not. Right, but now, you know, when you put bike racks and stuff on there, you get the howl of as the wind comes through it. So I think that that market's kind of changed a little bit with that, too, is people don't like to hear the wind noise.
SPEAKER 09 :
Oh, like when I have my... Like when I have my ski rack and skis on top like I did today.
SPEAKER 08 :
And I just got a text message where somebody's been searching for one of these for older Subarus and Jeeps and so on. And even the ones you find on eBay are getting pricey because evidently they're just not in the marketplace anymore, John. So you're not the only one looking.
SPEAKER 09 :
Okay, and J.C. Whitney went out of business, didn't he?
SPEAKER 08 :
Yeah, years ago, actually. Well, when the Internet came along, J.C. Whitney couldn't keep up at that point. They were fine pre-Internet days, but once the Internet came out, they were done.
SPEAKER 09 :
Okay, so I guess it's just the Internet.
SPEAKER 08 :
I hated them, by the way. Did you really? Well, yeah, it was my number one competition when I had my stores. I hated them. Every customer, not every, but a lot of customers would walk in, they'd have this page open in the Whitney catalog, and can you get this for this price? I'm like, no, I can't. Why are you asking?
SPEAKER 09 :
How many people brought in the part from J.C. Whitney and asked what you were charged to put it on?
SPEAKER 08 :
Oh, you got that occasionally as well, and I was dumb enough in the early days to agree to do it, and then I got smart. Again, I'm kind of not the smartest guy in the room in a lot of cases, John, and so I was really dumb for a while and went ahead and agreed to do it, and then after a while I'm like, why am I doing this? This is the worst thing ever, and then I stopped. Yeah, okay.
SPEAKER 04 :
Because most of it didn't fit. No.
SPEAKER 08 :
Yeah.
SPEAKER 04 :
You guys have a good day.
SPEAKER 08 :
You too, John. Appreciate you very much. We had a caller, I think, that was on the horn asking about pre-purchase inspection. If you want to call back in, we'll answer that. But we can also answer it in a more general way right now. And this is coming from guys even that sell cars on a regular basis. Yeah. Do not do a post- purchase inspection, because at that point, all you're going to learn is what your car needs, and you're going to fix it anyways. Pre-purchases prior to agreeing to buy the car, you have the car inspected. And folks, I mean not like a trip inspection. I mean thorough inspection. You need somebody that will look at, has it had water damage? Has this thing been in an accident? What's the Carfax look like? Can I see where there's been any paint repair that's been done? Is the bumper a different color than the fender? Or is this door a different color than the rest of the doors? And on and on we go. By the way, what a lot of technicians will do, because they're sharp guys that do pre-purchases a lot, know this. You can typically feel the inside of the door with your finger. And is there some overspray and such there? And, okay, why is that? And what happened there? Exactly, and on and on we go. So it's not only the mechanical sides of things that we want to do a pre-purchase on. We want to know the overall condition of the car because some things can try to be hidden, and we want to try to avoid as much of that as possible. Somebody really checking the vehicle over, full bore, bumper to bumper, and you're going to pay for this. I want to make sure I added that in as well. If you're getting a pre-purchase done for free... It's not a full inspection because it'll take, Josh, Justin, three hours, two hours to do a full bore inspection, correct? Yeah, if it's under an hour, then you need a good one. Yeah, go somewhere else because you're not getting a full bore inspection. I mean, you want somebody that'll even do, you know, relative compression. What's the starting charging system like? What's the brake condition like on all fours? Is there any leaks? What's the drivetrain look like? What are the U-joints and axle joints? And on and on and on we go. I mean, what do the fluid conditions look like in the car? Are they going to need serviced in the near future? I mean, all of those things need to be checked, and yet you don't do that in 15, 20 minutes. So if you're not paying for one, is my point, then go somewhere where they're charging you. And it needs a test drive.
SPEAKER 04 :
So a lot of inspections, sometimes, especially the cheaper ones or the quick ones, there's no test drive on it. So a good test drive is 10, 15 minutes worth of driving at least. Yeah, because you want to get up to speed.
SPEAKER 08 :
You want to make sure there's no vibrations. Is there any pulsations in the brake? Does the vehicle pull one way or the other? Exactly. How does the suspension feel? Are there wind noises? Some of what we were just talking about with John a moment ago, all those things come into play.
SPEAKER 19 :
Yeah, we run into this problem in Boulder. In Boulder, it's hard to get up to 45, 50 miles an hour. We have to get all the way out to 287 to get a vehicle up to 65, 70, because that's where you catch other things.
SPEAKER 08 :
Right. It's a higher speed. You don't catch at 35 miles an hour. Correct. Yeah. So I know that call was coming in, and hopefully that answered some questions, but I cannot tell you from not only this program, but then people that I've met in person at times, how many people in Colorado... Especially, because for some reason they think there's a three-day rider recension, and there's not when it comes to buying cars in Colorado. They think I can get a post-inspection done a day or two later, and if I find a lot of things wrong with it, I'll just take the vehicle back. That doesn't work in Colorado, folks. That's not our law.
SPEAKER 19 :
No. There's only one instance where that is, and that's if they bring a contract to your house and sell you the vehicle there, then you have three days. But most dealers aren't going to do that.
SPEAKER 08 :
Yeah, not going to happen. And where the confusion comes in is if somebody sells door-to-door... They sell you carpet cleaning or whatever the case may be in a store-to-door. Yeah, you have a three-day rider recension on a situation like that. But buying cars, it's as is. There's a document even that you're signing that says as is. Now, there's probably some loopholes in that where if they knowingly sell you, for example, say a car is a salvage title car. And somehow this particular dealer knew that and it's got a clean title and it's not salvaged, but they knowingly sell you that and they knew it was salvaged title. That's a whole different world. And now we're talking fraud and so on. And by the way, you're not going to find that very often in the state of Colorado with the way things are run here.
SPEAKER 19 :
Yeah, the pre-purchase inspection is really important. Colorado's an as-is state, even from a dealer. All a dealer needs to do to sell you a car is 230 seconds on the tires. Bald. Yeah, it is at that point. Yeah, can't have a cracked windshield. Okay. All the seatbelts need to work.
SPEAKER 08 :
That's it. That's it. And pass emissions. And pass emissions. In the front range.
SPEAKER 19 :
So it is very important to have someone look at it. But have someone look at it per the age of the vehicle, too. I see a mechanic shop that, you know, you take a $5,000 car to them. They write it up for $20,000 worth of stuff. You've got to be realistic towards the price range of the car that you're looking as well. Mechanics, sometimes they get a little overboard.
SPEAKER 03 :
True.
SPEAKER 19 :
I'd rather have the full picture, but also know, hey, do this now. This might be in the future.
SPEAKER 08 :
Yeah, what's my staging of all these things?
SPEAKER 04 :
Correct. And that's part of a good inspection, too, is that should be on there. This needs to be done yesterday, and this can be done within a year.
SPEAKER 08 :
Yep. And this is something that personally I've got a lot of experience with. When I had my shops, I was one of the few shops at the time that I had, not joking, over a 300-point full-bore spreadsheet inspection that our technicians did on pre-purchases. We prided ourselves in trying to help people buy the right car for them, and sometimes we'd go through three or four pre-purchases before the customer finally bought the right vehicle for them. And the way they justified it is we typically had enough information for them on the number one, the first three didn't work anyway, so saved them some money by just not buying the wrong vehicle. But then typically gave them enough information on the vehicle they finally purchased to say, okay, Mr. Seller, I need some. some discounts for boom, boom, boom, because these are the things I'm going to have to take care of right away. And we would even write estimates to Justin's point a moment ago on all of those things so they had all the right ammunition going back to the seller, and it always works. So, yeah, I am a big one on pre-purchases because there's nothing worse than buying a car with a lot of problems that you could have avoided on the front side. So we'll be back. Don't go anywhere. Drive Radio, KLZ 560.
SPEAKER 20 :
Attention Denver drivers, are you tired of the same old routine when it comes to car maintenance? Well, it's time to experience automotive excellence like never before at Toy Access Denver. At Toy Access Denver, we're your trusted partners in automotive care and specialize in Toyota, Lexus, and Honda, and Subaru vehicles with a commitment to quality and customer satisfaction. We've been serving the Denver community for years, providing top-notch service. But that's not all. Our experienced and friendly staff goes the extra mile to ensure your vehicle receives the care it deserves. From routine maintenance to major repairs, our certified technicians use state-of-the-art equipment and high-quality parts to keep your car running smoothly. Plus, at Toy Excess Denver, we believe in transparency and honesty. No hidden fees, no gimmicks, just straightforward and fair prices that put you in the driver's seat. So why settle for ordinary when you can experience extraordinary? Visit Toy Excess Denver today at toyexcessdenver.com to learn more about our services and schedule your next service appointment. You can also call 303-722-0234. Toy Excess Denver, where automotive excellence meets customer satisfaction. Drive with confidence. Drive with Toy Excess Denver.
SPEAKER 16 :
You want to protect your classic car in the event of an accident on the way to a car show or a surprise Colorado hail storm, but you shouldn't insure your classic car the same way you'd insure your everyday vehicle. Paul Inigro and his team at Group Insurance Analysts will get you the right coverage for your classic car. Just like with any other form of insurance, Paul and his team at GIA will shop the entire market at no extra charge, hunting for the right coverage at the best price. Remember, GIA works for you, not a specific insurance company, so they have more options. Unlike other forms of insurance, though, you should not insure your classic car based on cash value. You've put a lot of work into that car. so the real value far exceeds the book price. GIA will make sure your vehicle is insured up to a stated value to protect your investment. Get the right insurance from GIA. Call 303-423-0162.
SPEAKER 15 :
Putting off planning for your retirement another year can cost you tens of thousands. But Golden Eagle Financial can get you back on track to maximize your retirement now. Al Smith of Golden Eagle Financial is a retirement advisor who gets to know you from the very onset. What are your dreams for retirement? What do you want to do when the work is done? Many people want to give back or volunteer or donate time or money. Others might like to travel or learn a new skill. And Al Smith can help make all of these dreams a reality. Whether your dream is giving back to other groups or people, traveling the world, or taking up a new hobby, Al will make sure you're prepared for the road ahead without financial concerns. He's a man who has years of experience and can help you make your retirement dreams come true. Contact Al Smith of Golden Eagle Financial on the klzradio.com advertisers page. Investment advisory services offered through Brookstone Capital Management LLC, a registered investment advisor. BCM and Golden Eagle Financial Limited are independent of each other. Insurance products and services are not offered through BCM, but are offered and sold to individually licensed and appointed agents.
SPEAKER 08 :
Have you ever thought about owning a classic car, hot rod, older truck, or an out-of-the-norm vehicle? Worldwide Vintage Autos is the place to go for all your vintage car and truck needs. With over 80,000 square feet of indoor showroom and warehouse space, they make the shopping experience easy. Every vehicle they sell is checked out by their own staff and is verified as a roadworthy vehicle, and this includes consignment vehicles. When you buy a vehicle from Worldwide, it's a vehicle you can safely drive home. They sell over 1,200 vehicles a year, and most of their inventory comes from people like you and me. If you want to eliminate the hassle of selling your vintage or unique vehicle, give them a call today. By the way, sign up today for the VIP list. They'll give you updates on all their new inventory that the general public doesn't see yet, and it's at a discounted price. Worldwide Vintage Autos. Don't let the name fool you. They sell worldwide, but their showroom is right here in Denver. Find them today at worldwidevintageautos.com or call 877-378-4679 and make sure you tell them John Rush from Drive Radio sent you. All right, we are back. Line's open, 303-477-5600. Drive Radio, KLZ 560. Okay, Dietze, you were asking during the break a question. I just wanted you to ask on air because I think it's a great question that we should answer because I think if you have that question, most do as well. So go ahead.
SPEAKER 18 :
I've only bought a car once from a dealership, and in hindsight, it was a horrible experience, now that I know better. But if I were to buy a new car, how do I know where to take it to get a pre-inspection done? And what am I looking for?
SPEAKER 08 :
And she's asking a great question because what she was asking even during the break is, how do I know if a shop does a really good thorough used car inspection or not? Great question. Number one, all of our shops that are in our group, so you go to drive-radio.com and find our shops. Any of those will do a full thorough inspection. We've got that. all dialed in. Now, if you can't make it to one of them and you're in an area where you need to get somebody else to do an inspection, what I would do is, number one, call a shop that maybe you've been referred to or you find on Google or whatever and say, listen, I need to get a pre-purchase done. I've never used you guys before. Walk me through how you do that. And you'll learn right away from the shop as to what they tell you. In other words, if they say, well, you know, bring it down. You can wait for about a half hour, 45 minutes. We'll give you a nice inspection and hand you the keys back, and away you go. Well, right away you know, yeah, that's not where you're going because you can't wait for a prepurchase. It's going to take a solid three to four hours, not just for the inspection but the write-up afterwards because you need time for the service advisor then to even say, okay, here's everything the technician found. Here's all the pricing that's going to go with those things that the technician found. That doesn't happen automatically. You've got to give that person time to assemble all of that. So theoretically, a good pre-purchase inspection is a half-a-day deal. Am I exaggerating, Josh?
SPEAKER 04 :
No, if you want it done right.
SPEAKER 08 :
You want to get the whole thing done, all of your estimates, your ammunition to go back to the seller with, and whether it's a private seller, dealer, whatever, you want all of this stuff dialed in. You want printouts, by the way, because you're going to be able to take that back and hand it to the seller and say, you know, I think it's a car I want to buy. And, by the way, that's a discussion that you can also have with the shop. So that would be another thing I would ask is how does this work and will you help me find the right car? If you get a deer-in-the-headlight look back as to, well, what do you mean by that? Again, find another shop. Because a good shop will say, absolutely, we want you to have the best car. We want to be able to be your shop and service this vehicle. But we want you in the car that fits you best, and we'll help you make that happen. And good shops know how to do that, by the way.
SPEAKER 19 :
The other thing that I think you should ask when you make that phone call is what is their expertise?
SPEAKER 08 :
Oh, good point.
SPEAKER 19 :
If this is a Japanese shop, you're not going to take a Mercedes to them to have them look at a Mercedes. You want to know that that's a car that they service and that they're familiar with as well.
SPEAKER 18 :
All right.
SPEAKER 08 :
Great question, though, because there's a lot of folks out there listening that probably have had some pre-purchase inspections done in the past. that might have even done them while they waited, probably only took 45 minutes to an hour, and little do they know, they didn't get a full, thorough pre-purchase inspection. And they didn't even realize it. Now, it may have turned out still okay, great, fine, whatever. And I'll be honest, even when we were doing it back in the day at my shops, if a customer brought a vehicle in, even a customer I never knew, and they rolled a vehicle in, And we even took one look at the vehicle and said, okay, without even getting into an in-depth, which keep in mind, I charged, a lot of you are going to be floored at this, but this is 20 years ago. I charged $300 20 years ago to do a pre-purchase inspection, meaning today that's about $450. That's what I charge to do a pre-purchase because I knew – what are you showing me here? Same. If you get a good pre-purchase today, it's $4,000 to $4,500 because it takes that much time for the technician to go through things. And what I used to do, though, is if all of a sudden we rolled that car in and you took one look at it and said, oh, man. I don't think you even need to raise this thing up on the rack to give you the laundry list of things this thing's going to need. In fact, I can just tell from driving from the parking lot in that this thing's got ball joints and this and that. So there were times where literally I would call the customer right back on the phone and say, you know, I can proceed with this full pre-purchase inspection if you'd like, but this is not a car I would buy. There's no sense in me wasting your money on this inspection because I can already tell you, go find another car. A good shop, Dietze, will do all of that for you and be your advocate when it comes to buying a car to make sure that you buy the right car at the end of the day. And that's the kind of shop you need to find to help you through this process. Is that the right way to say it, Justin?
SPEAKER 19 :
Yeah, that sounds excellent. I like that you didn't waste the customer's money. I like that you did a thorough inspection on something that you thought there was potential there. I love that.
SPEAKER 08 :
Yeah, and we would do that constantly. And, again, I know all the shops that we're affiliated with will do it exactly the same way. If they take one look at it and say, oh, yeah, in fact, I can tell you right now by looking at it, this thing's been wrecked all over. And, Roy, you know this. Not everybody can see those things. No, not everybody. You have to have the eye. You've been in the body shop world long enough to know what I'm talking about there. But once you have the eye to know whether a panel's been painted or not, you can see it.
SPEAKER 07 :
Yeah, actually, one of the best ways to see if the panel is being painted is turning the lights off, getting a flashlight. And go around the car, and you're going to see the difference of the color. Great point.
SPEAKER 08 :
And then you'll see it right away. And, again, as I said earlier, too, for some of you listening that are maybe not in that world, but you're just looking at cars, take your finger. No gloves, no nothing. Take your finger, rub along the inside of the door jams. Around the edges. All four doors. Around the trunk. Around the deck lid. The hood. If you feel anything that's rough, like it's a little sandpaperish, that's not from the factory.
SPEAKER 07 :
Exactly.
SPEAKER 08 :
Let me just tell you that. And even if it was, that means it was fixed at the factory, which, by the way, can happen. You were showing me a Tesla at your place the other day that Tesla had knowingly told the customer, hey, we had to do this at the factory, but the front bumper didn't match.
SPEAKER 07 :
Yeah, it didn't match. The color wasn't matching. Yeah, and you saw it right away. It was off. Yeah, you could see the orange peel, the difference of the orange peel.
SPEAKER 08 :
The first thing I asked Rory is, who wrecked this car?
SPEAKER 07 :
He's like, no, it came this way from Tesla. And it's like, okay. uh but yeah to your point and i think they told the customer i mean we had to do this at the factory and it happens at the manufacturer all the time i mean they they i mean you there's a lot of cars that they came to our shop and i see they're brand new and you can see the uh the sand scratches from a d8 you know what i mean and then they polish it but they didn't polish it enough and uh and then when the When the car is outside on the heat, the sand scratch starts coming back. Starts to surface. Exactly.
SPEAKER 08 :
And then you see it. So, again, not everybody has that. And it's not a criticism because you have to be in the industry and kind of know. Even my wife at times will laugh at me. We'll be driving down the road someplace and I'll say, oh, that door was painted. And she'll look at me like, what in the world are you talking about? I do that all the time. Yeah, you can't tell that side door, left rear door on that pickup truck's been painted. And she'll look at me like, you're a weirdo. And I'm like, yeah, I am. But literally, once you learn what you're looking at, you can tell if they've been painted or not. It's not hard to tell.
SPEAKER 19 :
Yeah, and John, I'll be honest with you. I think a lot of mechanic shops don't have that expertise. So if you're buying something 50, 60, 70, 80 grand, it might be worth it to have the mechanical done one place and have the paint looked at somewhere else.
SPEAKER 08 :
You know, what you just said, that's not a bad idea, actually. So some of you that are buying a high-end car and you really want to know... Is the paint and everything the way it's supposed to be? Yeah, call Roy and run it over. You guys could look at that and let him know right off the bat if this is good or otherwise. Because Roy's in body shops on almost, well, daily basis. You are on a daily basis. For those of you that are saying, well, why? Does he do collision? No, but Roy does, for a lot of the collision centers around town, all the PPFs, all their paint protection film, He will do so. You've had a little accident, and maybe the rearview mirror on the passenger side got knocked off in a body shop, replaced it, but it was PPF'd. Roy will be the one to fix that PPF and replace it for that collision center. That's why you're in collision centers a lot.
SPEAKER 07 :
And believe me, I do a lot of QC before I do the installation of the body shops because even the body shops, they – They make a lot of mistakes.
SPEAKER 08 :
Sure.
SPEAKER 07 :
Yeah. Absolutely. And that's what I used to do before. I used to work in a body shop, too. You came up through that. Yeah, in a body shop. And I know how it works. You know what I mean? I used to QC the paint. I used to QC everything. And that's why I know I look at everything before I install the PPF. There you go. I look at the paint and everything.
SPEAKER 08 :
All right. Line's open. We'll come right back. Don't go anywhere, guys. 303-477-5600. This is Drive Radio, KLZ 560.
SPEAKER 05 :
Your local Napa Auto Care Center is independently owned, operates by a written code of ethics, and provides service you can trust. Put your vehicle in the care of ASC-certified technicians in your neighborhood. They're backed by Napa. Quality parts, national warranties, that's Napa know-how. Your Napa Auto Care Center might just be the treated-me-fairly, I-love-those-guys place you've been looking for for your vehicle. Find a location at NapaOnline.com.
SPEAKER 13 :
Looking for top-notch home, auto, classic car, and business insurance? Look no further than Paul Leuenberger. Paul is now an insurance broker with access to industry leaders like Hartford, Travelers, Safeco, Liberty Mutual, Nationwide, Allstate, AIG, Chubb, Pure, Berkeley, Grundy, and Hagerty. Paul has you covered. Paul is also proud to continue his work with American National for all non-property insurance needs as well. Paul Leuenberger now serves Colorado, Wyoming, Arizona, Nevada, and Texas, with more states on the way. Paul's mission is simple, to connect you with the right coverage at the best value. Are you ready to protect what matters most? Call Paul Leuenberger today at 303-662-0789. That's 303-662-0789.
SPEAKER 20 :
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. 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 03 :
Looking to buy or sell a classic car? Need a reliable valuation you can trust? Look no further than BP Appraisals, LLC. With over 20 years of experience in the appraisal industry, we provide fast, accurate, and professional appraisal services that you can count on. Did you know that an appraisal can also entail the forecasting of monetary earning power? An appraisal is a document with a valuation conclusion. It is not a pre-purchase inspection, a mechanical evaluation, or a recommendation to buy or sell your vehicle. It's the actual value at that moment in time, which many need for things like estate planning, insurance, or investing. At BP Appraisals, we value your property like it's our own. Make informed decisions with confidence. Don't settle for less. Choose the experts at BP Appraisals LLC, where precision meets professionalism. Visit us today at bpappraisalsllc.com and schedule your appraisals in just minutes. BP Appraisals, LLC. We know what your property is worth. That's bpappraisalsllc.com or call 720-295-0108.
SPEAKER 08 :
All right, we are back. Drive Radio, KLZ 560. Thank you all for joining us. Josh Goff from Legacy Automotive and Ridgeline Auto Brokers. By the way, Boulder, Longmont, and Fort Collins now, so three locations to take care of you on the vehicle maintenance, repair end of things. Car sales in Boulder and Fort Collins, but you guys could deliver something in Longmont if you had to.
SPEAKER 04 :
Yeah, we can make something happen.
SPEAKER 08 :
So those of you that are up in that whole northern area, we've got you covered and dialed in and so on. So, Justin also from Legacy and Ridgeline with us as well. Dietze from Pro-Tech Auto Shield up in Wheat Ridge. And then Roy Perez also from Pro-Tech Auto Shield up in Wheat Ridge as well. And we were talking that last, really about the last half hour on the pre-purchase. end of things, which I haven't covered in quite some time. It's probably a good thing to cover today just because of the time of the year and the fact that people will be looking for some different vehicles. Some of you might have young drivers, by the way, that may be getting them placed into a vehicle. And this is something else, too, I want to add. I say this a lot, and I had multiple drivers in my family that I taught to drive, seven to be exact. And so I have a little bit of experience along these lines. I feel strongly, and some may disagree, but I feel strongly that you should be teaching your kid to drive in the same car they're going to be driving in once they get their license. Meaning, some of you are thinking, well, my kid's 15. I'll buy a car in a year when he turns 16. No, you should be buying the car now. teaching him or her to drive in that same car so that the minute they turn 16 and have their license, it's just a simple transition. They've already been in it. They know what's going on, and off they go. So I'm a big one on putting your teen driver in the car they're going to be in and know that's not the family truckster. Unless you're passing your car down to them, which some do. And if that's your goal, okay, fine. You're going to pass this car off and go buy a new car once your kid turns 16. Okay, if that's your mode, okay, I'm okay with that. That's fine. But that's the rarity. Because typically you're driving an SUV or something larger or whatever, and you're not necessarily going to put your teen driver in that. And also something to remember, and nothing against teen drivers, but statistics show, by and large, the majority of accidents in the United States of America happen when drivers are between the ages of 16 to 18. It's why their insurance rates are higher. They're new drivers. They just don't have the same depth perception and everything else in driving that you do once you put some miles in. And the reality is they are the most vulnerable to having accidents at that age. So given that's the fact, why would you put them in something fairly new? Get them familiar. Put them in something safe, something robust, something that, you know, if it gets a little ding or a din or whatever, it's not a big deal. And I know that's not what the 16-year-old wants to hear because they want the best of the best of the best. But trust me, buy them something that will be reliable, safe, safe in the snow, save you some money on the insurance side and so on. But buy that when they're 15, not when they're 16, and teach them how to drive that.
SPEAKER 19 :
John, I got a question for you. You're talking about 16, 17, 18-year-old drivers. Where are they? You're asking me? It's like 19, 20, 21. How do you get all these kids off the screens and excited about driving and excited about cars?
SPEAKER 08 :
I was down there the day I turned 16 to get mine.
SPEAKER 19 :
Me too.
SPEAKER 08 :
I don't know, Justin.
SPEAKER 19 :
I think all of us, but these kids don't want to drive.
SPEAKER 08 :
Tim in Longmont, you got a question. Go ahead.
SPEAKER 10 :
Yes. I was listening to one of your replay shows the other day. Yeah. And you mentioned something about a recall on Silverado transmissions.
SPEAKER 08 :
Well, it's not. Are they recalled? Is it final yet, or is it still in the works? They haven't officially sent letters and things out, but it's coming, Tim. Okay. The government has told them it's coming. Let's say it that way.
SPEAKER 10 :
I've got a 2011. Would mine qualify for that?
SPEAKER 08 :
No, I think this is going to be, make sure I'm right, Josh, I can't always remember because of the Ford and GM and everything else. Is it 18 to 22 or is it? That sounds about right.
SPEAKER 04 :
I think it's 2018 to 2022, Tim. Yeah, 17 to 23. Something like that, yeah. Because it didn't all go in, like, every one that year. You know, there were still different production runs and stuff like that.
SPEAKER 08 :
Yeah. So, no, that would not... Either way, that's not going to affect you.
SPEAKER 10 :
Okay, good. I just tuned in. Did I hear that Josh has a shop in Longmont now?
SPEAKER 04 :
We do, yeah. All American Motors on Pratt Street is now one of our shops.
SPEAKER 10 :
On... Pratt Parkway or Pratt?
SPEAKER 04 :
The actual Pratt Street. So across from what used to be the Times Call warehouse there. What is this over there, Bootstrap? Bootstrap Brewery is what's right across the street from it.
SPEAKER 19 :
Close to Zach's Transmission.
SPEAKER 04 :
Zach's Transmission, that whole area right there.
SPEAKER 10 :
Oh, okay. And it's all American, you say? Yep, all American Motors. Well, that's great because I used you guys when I was in Boulder, but I'm in Longmont now. There you go. Save a drive.
SPEAKER 04 :
Bring the blazer right on down.
SPEAKER 10 :
Oh, you remember that, huh?
SPEAKER 04 :
I do, yeah, and the wind start.
SPEAKER 10 :
Well, that's great. That's great. That's getting my new year off to a good start, and I'm glad John's back on the air after the holidays. Well, thank you, Tim. I'm getting tired of the rerun.
SPEAKER 08 :
Thank you, Tim. Appreciate you very much. And, yeah, we should have given addresses and that out earlier for Josh's shop over in Longmont now. So for those of you that are up in that north area, it could be North Boulder, it could be South Loveland, Berthoud, whatever. We've got a location in Longmont now. well and again those of you that are looking to buy cars either Boulder or Fort Collins but if you're in Longmont you want one delivered over that way they can you guys can make all that work right yeah John all four of our shops will literally bring a loaner car to your house and pick up your car for you yeah all right text messages came in and I don't have time to look this one up so you guys can help me with this looking for a shop manual 94 f250 in a book form not a CD or PDF It used to be an online place you could order shop manual printed form from, but that's been a couple of decades ago that I even did anything along those lines. My suggestion is going to be eBay.
SPEAKER 14 :
Yeah, eBay.
SPEAKER 08 :
See if you can find an original manual somehow on eBay because I don't know that you're going to find one any other way because, yeah, all of the new stuff, you can easily go out and find all of the stuff you need in an electronic format. But if you're looking for an actual physical book, I hate to say, you're probably going to be eBay.
SPEAKER 04 :
And sometimes since Amazon kind of started out as a book seller, you can find them used or a reprint on Amazon too. Good point.
SPEAKER 08 :
All right, we've got about a minute left. If we have to hang on over the top of the hour, Nick, we will, but let's at least get started. Go ahead, Nick.
SPEAKER 11 :
Go ahead. Good morning, by the way.
SPEAKER 08 :
Good morning.
SPEAKER 11 :
I have a question, sir, about the Honda Accord and the 1.5 liter engine, which I think might be underpowered. And also I have a question about the CVT transmissions. Any issues with that? Because I'm thinking of maybe purchasing a Honda Accord.
SPEAKER 04 :
What year? Like brand new?
SPEAKER 11 :
I'm looking at maybe a 23, a 22. Okay.
SPEAKER 04 :
The CVTs have gotten a lot better on the Hondas. You know, I started out when Honda had their first one, and they weren't good then. But right now, I think the CVTs have gotten a lot better than they used to be. So I would say if you do service on it, you know, it's 130,000-mile transmission.
SPEAKER 19 :
That was the problem was when they first came out, they said they never need to be serviced or they need to be serviced every 100K, and that's just not feasible.
SPEAKER 04 :
When they first came out, they were just putting normal ATF in it. They didn't realize back then that they needed to build a fluid specifically for the CVT. So now we found with them being serviced, they're starting to make it to their, what was the normal automatic, about 130 on most manufacturers.
SPEAKER 11 :
As long as it's not a Nissan.
SPEAKER 04 :
Right, as long as it's not a Nissan.
SPEAKER 11 :
I've heard real great things about Nissan, yes.
SPEAKER 04 :
And they always feel, the thing is if you haven't driven a CVT before, they always feel a little different. So they kind of maybe feel underpowered or since you're used to the shifts, since you don't feel that happens, it's kind of a different driving experience for most people on their first CVTs.
SPEAKER 08 :
And there's a few other things, Nick, we want to add to that. Hang tight. Let's take you over the top of the hour. We'll get you as soon as we come back up. Lucy as well, we'll take you as soon as we come back from the break. Guys, don't go anywhere. Drive Radio, KLZ 560.
SPEAKER 17 :
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 of Drive Radio, our seasoned experts tackle a wide range of automotive topics, starting with an engaging discussion about the ignition timings of vintage Chevy models. Learn the intricate truth behind trick questions on classic engines and debunk common myths in automotive history. We delve into the credibility of turbocharged engines in high-altitude environments, where the hosts shine light on the advantages and challenges these powerhouses face. The panel also engages in a thorough debate comparing the Honda Accord and the Toyota Camry Hybrid, analyzing performance, economy, and the nuances of ownership. Tune in as experienced hosts share insights on hybrid technology and the robust engineering behind renowned automotive brands, helping you make informed decisions on your next vehicle purchase. As we progress, listener calls bring real-life automotive dilemmas into focus, from transmission maintenance to finding reliable shop manuals for vehicle preservation. With expert advice on routine maintenance, you'll understand why modern techniques in fluid swapping can keep your vehicle's transmission running smoothly, ensuring a longer lifespan and better performance.
SPEAKER 32 :
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 27 :
It is a trick question. Watch this. The 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 11 :
All right, we are back. Drive Radio, KLZ 560. Again, Josh Goff. With us today, Legacy Automotive and Ridgeline Auto Brokers in Boulder, Longmont, and Fort Collins. Justin with us as well, same place. And Dietze from ProTech Auto Shield up in Wheat Ridge along with Roy, the owner there as well. And Nick, we started talking to you at the end of the last segment. I wanted to take you really quick. first segment and just kind of continue on with your Honda Accord questions. And personally, and I know Josh said this earlier, you're looking late model, you know, 23, 24, even a new 25. Would it bother me to buy a Honda Accord? No. Very stable, great car. Yeah, exactly.
SPEAKER 25 :
Yeah. What is your opinion on a 1.5 liter engine? To me, I know that it's a little bit underpowered, in my opinion, and plus I know that they've done something to really tweak it so that it gives you more performance. But again, I'm old school thinking it's a smaller engine and maybe you're really stressing it.
SPEAKER 07 :
I think it's a good motor. You know, they're turbocharged and we're not seeing as many turbocharger issues with them as with other manufacturers, I would say, in that size. So, you know, it gives you a lot of power plus economy, you know, for a car like this. like that. So I haven't seen a lot of failures or major failures. We've done a few turbos, but they were all higher mileage when we're putting the turbos on. So about the same time the transmission is going to have issues, the turbocharger is going to have issues.
SPEAKER 11 :
The other thing about turbos, Nick, at our elevation is because we lack air anyways, anything that's supercharged or turbo at our elevation, you see a huge difference versus a naturally aspirated engine. And again, to Josh's point, Honda does a very good job on that. Partly, keep in mind, they have a huge racing division, Honda does, when it comes to all of the Formula One stuff and so on, Indy and so on. At any rate, I mean Indy, not Formula One. Point being, with their history in that end of things, I think they're probably one up on a lot of other manufacturers when it comes to some of that, to the point that Josh said they just don't have that many issues, and that would be my guess as to why.
SPEAKER 25 :
I currently have had the PSP cars that I've had that have opened Camrys with very good results.
SPEAKER 11 :
Good car, too. Very good car. Just really quick, a car that I would not hesitate to buy is the Camry Hybrid.
SPEAKER 26 :
Well, that's what I was just going to say, too, is if you're concerned about power, go towards hybrid and you won't be lacking any power.
SPEAKER 11 :
None. Good idea. That Camry Hybrid, nothing against Honda and the Accord because it's a good car as well, and those of you that own them, not bad-mouthing you, but for a four-door sedan, dollar for dollar, pretty hard to beat a Camry Hybrid.
SPEAKER 07 :
Yeah, and Toyota Hybrids are the best.
SPEAKER 11 :
They are, bar none.
SPEAKER 07 :
Nobody's at their level. Bar none.
SPEAKER 11 :
They pioneered it. Yep, they are the best. And, Nick, probably knowing those two cars compete head-to-head, they're going to be roughly the same price. Yeah, I think they're right next to each other. They have to be. Okay, good to know. Thank you so much. You're very welcome, Nick. Appreciate your phone call. Lucy, how are you today, Lucy?
SPEAKER 05 :
Doing well. John, I wanted to give a shout-out to Ridgeline Auto on Arapahoe Road in Boulder.
SPEAKER 11 :
That's who's with us today.
SPEAKER 05 :
They replaced my transmission at a fair price, I might add, and my Lexus is running like new.
SPEAKER 11 :
Awesome.
SPEAKER 05 :
And to my surprise, the first time I popped the hood to check my fluids, I noticed that they had cleaned the corrosion on my cable batteries, my battery cables, rather, and they replaced my battery. And I didn't even tell them to do that, nor did they mention that they would do that. So I was just pretty impressed that they obviously inspected the car to see if anything was required and make sure I left with a safe and reliable vehicle.
SPEAKER 26 :
We appreciate you, Lucy.
SPEAKER 11 :
Yep, you're great, Lucy. Not only do I appreciate you, I appreciate them taking good care of you, but they do that for everybody. But you especially, Lucy, you're just a great customer.
SPEAKER 05 :
Thank you, and I wish I would have found this shop years ago. They're really professional to work with.
SPEAKER 11 :
Lucy, thank you for that, by the way. They're over here nodding in agreement.
SPEAKER 26 :
We appreciate it. You're welcome.
SPEAKER 11 :
All right. Have a great rest of your day, Lucy. I appreciate that. And, hey, folks, not to, you know, continue that on for a very long time, but when you've got somebody like Lucy, who I've talked to many times on air. who's, by the way, a really sharp individual in the first place, has really good cars as well, and says what she just said about one of our great partners, Ridgeline and Legacy, up in Boulder and Fort Collins, and now Longmont. That says a lot. So thank you guys for that. I appreciate that very much. Albert in Denver, you're next.
SPEAKER 17 :
How are you doing, John? Good, Albert. Good. Enjoy your show, as always. I got a question for you. I've got a 2014 Ford F-150, and it's got about 65,000 miles, and I know I should get my transmission flushed and that. When we talk about a flush, would just dropping the pan and putting a new filter and filling it up, would that be enough?
SPEAKER 11 :
No. No? No. Now, and the way I've always explained that, Albert, and most transmission shops won't explain it this way, but I will. So we all have done dishes, men, women, wherever, doesn't matter. And the way I refer that, Albert, is it's like, okay, you've got the dirty dish side, and you're just about done with all the dishes, and the water's just filthy, and everything is ready to be changed out. And if you're doing a big dinner where you may have to change this out two or three times – When we change the water out to do the next set of dishes, we empty the entire basin, that side of the sink out, and we put new water in, correct? Yeah. Dropping the pan is like emptying half of the water. No, it's like taking a quarter of the water out of that side and then putting the plug back in and then putting new water back to the top. Is the water clean at that point, Albert?
SPEAKER 17 :
No. john you sound like my wife telling me how to do the dishes well and the transmission isn't any different
SPEAKER 11 :
Okay. I mean, we're laughing, Albert, but seriously, I mean, think about it that way. Literally, when you drop the pan, you're getting about a quarter of the fluid out of the pan, even back in the old days before the flush machines or the fluid transfer machines had been invented. Some of us used to even drill a hole in the torque converter. You put a plug back in. You try to get as much fluid out of the converter as you could. And even then, Albert, you might have been getting a third of the fluid out. all out of the transmission. Anybody that's ever overhauled an automatic transmission knows exactly what I mean, because when you actually take everything apart and then find all the fluid, it's literally everywhere, and the only way to get all of that out is to do the fluid transfer like we talk about.
SPEAKER 17 :
Do the flush.
SPEAKER 11 :
Yeah.
SPEAKER 17 :
I got you. No, I was just wondering, because I just hear people arguing, you know, dropping the pan's enough, but, you know... And this is, you know, great question and comment.
SPEAKER 11 :
And let me stop for just one moment, because any industry... mine included there is just a lot of we always did it this way so that must be the right way to do it and they forget that technology changes things get better as we move along in the case of transmissions even fluid is even much better but on the same token if that fluid is much better I don't want to put just a percentage of clean back in. I want all new synthetic fluid back in. And so there's a lot of folks out there that, frankly, Albert, are old school mentality, not saying they're bad people. They just have old school thinking and they don't understand how the new way of things work.
SPEAKER 17 :
Yeah, I agree with you. I got another question, too, about that. You know, the lines that go to your transmission cooler, you know,
SPEAKER 11 :
somebody i can't remember i heard of it they said they are susceptible to breaking so that the whole line should be changed out too what are your thoughts certain vehicles had had issues with their cooler lines although i will tell you there's not a lot of vehicles out there where that's a big issue they also can be susceptible to corrosion salt things along those lines and most shops know what those vehicles are and they'll look at those things and This is also why you need to do transmission services on a routine basis because those things will get looked at at the same time. So for all of you listening, the way those transmission services are done in our shops, technician is looking at everything, including what's the cooler look like? Is everything clean up in that direction? That's actually where they're actually typically hooking the machine in is the cooler lines anyway. So they're checking all of that at that time, Albert. So they're not only looking at do we have leak? in the transmission does it look like there's been any problems there if it's really bad and we're thinking hey we ought to get inside the transmission just take a peek before we even do a complete flush a good shop will tell you that on the front side but with what you're talking about at 65k no they'll just go through look at everything check the cooler lines and so on and off you go
SPEAKER 07 :
And we do a BG transmission service too, which has a pre-cleaner that we put in before we flush the fluid out. So it runs through the transmission just breaking up varnishes and any little bits. The crud, exactly. And loosens that up. And then we flush it after that, which will remove all that crud that broke up. And then we put an ATC, which is like a conditioner, in with the fluid too at the end.
SPEAKER 26 :
And if you do that service and it's under 75,000 miles, BG will guarantee your transmission up to a certain dollar amount too if it fails.
SPEAKER 17 :
All right. That sounds good. Hey, I got another about it because I got a Ford. They had to recall on their transmissions from 2014 to I can't remember what it was, 2022 or something like that.
SPEAKER 11 :
Yeah, I think it only went to 19 on the Fords. But, again, don't quote me. There's too many of those running around right now for me to remember them all. But, yes, you're correct.
SPEAKER 17 :
Yeah, anyway, I called that. You know, I went down to the Ford dealership because I thought that's where you had to go. And I talked to him down there. He goes, no, we're going to come to your house. And I asked him, I said, so you're not going to get into my transmission? No, it's a reflash.
SPEAKER 11 :
And they are going. I'm glad you said that, Albert, because, yes, the fix for that for a lot of the recalls on the Ford specifically is they're coming to your house and doing a reflash of the computer there.
SPEAKER 17 :
Okay, yeah, because that's what the guy did. And I was kind of shocked because I asked him, I said, are you guys going to get into my transmission? He goes, no. I said, okay. The software update. Yeah. Who's the one of your sponsors that's down here off Bowles and Lowell?
SPEAKER 11 :
That'd be Gino's. Gino's Auto Service.
SPEAKER 17 :
Does he do the transmission flushing there? Sure, absolutely.
SPEAKER 11 :
He'll do everything we just said.
SPEAKER 17 :
Okay, I'll go by. He's not too far from me.
SPEAKER 11 :
Talk to John, his advisor, or Steve, either one.
SPEAKER 17 :
Okay.
SPEAKER 11 :
All right, Albert. Thank you so much for your call. I appreciate it. All right, Buck, Tom, you guys hang tight. We'll come right back. Drive Radio, KLZ 560.
SPEAKER 01 :
Take advantage of Geno's alignment and tire rotation special. Snow and pothole season is upon us. Save $30 on an alignment and tire rotation now through the end of the month. Have you ever noticed how your tires have a way of finding holes in the pavement? Now is a great time to get your car aligned and your tires rotated. With consistent alignments every 5,000 miles, your vehicle will get better gas mileage and longer tire life. Geno's is celebrating 42 years in business, serving Colorado families in Littleton. We back up our work with Napa's nationwide 36-month, 36,000 miles peace of mind warranty. We invite you to check out all our Google reviews. We offer loaner vehicles so you can drop your car off and pick up when ready. Save $30 on an alignment and tire rotation. Give us a call or go online to schedule an appointment. Geno's is AAA approved and located at Bowles and Platt Canyon. Stop in or visit us online at genosautoservice.com.
SPEAKER 03 :
Here's why you need personal injury attorney Kevin Flesch on your side. He understands the way the jury thinks. In the context of a personal injury case, you've been hurt by someone else's negligence. The idea is that you're going to try to recover so that you can get back to where you were just prior to that incident occurring. What that really means from a jurist's perspective is that you're going to be asking them to award you money. So when we talk about fairness, we're talking about six people that you don't know. Those six people view the evidence and make a unanimous decision that will decide what the fair value is. When you're the one who's hurt, you have a good idea of what you think it's worth. The question is, can you persuade those other individuals whom you don't know and were witnesses to believe that's what the case is worth? Kevin Flesch understands the way the jury thinks. Call now for a free consultation. 303-806-8886.
SPEAKER 06 :
Attention Fort Collins drivers. Are you tired of worrying about your car troubles? Look no further. Introducing Alltech Automotive, your trusted automotive repair shop in the heart of Fort Collins. At Alltech Automotive, we understand the importance of keeping your vehicle running smoothly. Our team of certified technicians is dedicated to providing top-notch service, whether it's routine maintenance or major repairs. From oil changes to brake repairs, transmission services to tire rotations, we've got you covered. We use state-of-the-art equipment and the latest diagnostic tools to ensure accurate and efficient service every time. But don't just take our word for it. Our satisfied customers rave about our friendly staff, honest pricing and quick turnaround times. We treat every car as if it were our own because we know how important your vehicle is to you. So why wait? Call Alltech Automotive today at 970-224-9718 to schedule your next service appointment. Mention this ad and receive 10% off your first visit. Let us take the stress out of auto repair so you can get back on the road with confidence. Alltech Automotive, where quality and customer service come first.
SPEAKER 12 :
Something really cool happened in 1975. And no, it wasn't the beginning of the disco era. Congress passed the Magnuson-Moss Act. You don't have to take your vehicle back to your dealer to keep your vehicle manufacturer's warranty in effect. Our Napa Auto Care Center uses the proper replacement parts and procedures to keep that warranty valid. Visit our independently owned Napa Auto Care Center today. Find a store at NapaOnline.com.
SPEAKER 22 :
Napa Know How.
SPEAKER 11 :
All right, we are back, Drive Radio, KLZ 560. Okay, before we get moving along here, Roy, a question came in for you on the text line. A new Ford Super Duty must have sat at the dealership for a while because it has a few areas where tree sap and bird poop has sat on it, on the paint. And they got most of it off, but in the right light, you can still see it. Can that be fixed?
SPEAKER 09 :
Well, you can be, I mean, you can sand and polish, but you got to be careful because you don't want to break through the clear coat. Right. And then you have to repaint the panel. So it can be fixed.
SPEAKER 11 :
If the right person is doing it. Exactly. Okay. Yeah. Okay. So this is a text coming in. So, yeah, I would say call Roy. Mm-hmm. on monday and just walk through this and see exactly what his thoughts are on that next thing and you could call him on this as well but has the big sunroof one of his fears and he says unrealistic fears is it's shattering one day which probably wouldn't happen but yeah they can in certain circumstances do they make any kind of ppf or anything along those lines that would protect that and keep that from shattering yeah i mean just regular ppf okay so ppf the sunroof yeah
SPEAKER 09 :
Okay. Just regular PPF is the best way to protect the paint. Better than ceramic coating.
SPEAKER 23 :
Okay.
SPEAKER 09 :
But, yeah.
SPEAKER 11 :
Okay. So there's your answer. And this is a call or a text down in Flagstaff right now listening. So, Josh, I hope you heard that. Call Roy Monday, and he can help you with all that. Roy, give your phone number out.
SPEAKER 30 :
Or Dietze, one of the two of you. It's 303-423-2841.
SPEAKER 11 :
Perfect. All right. Let's go to Buck up in Cheyenne. Buck, you're next. Go ahead. Good morning. Good morning, Buck.
SPEAKER 19 :
It's not too windy up here. Good. You had somebody call looking for a shop manual original for a 94 F-250. I don't know whether Helm has got the original shop manuals. I have one because I got a 95. But you can get... I got a 2016... uh uh taurus and i was able to get a cd from helm that would be yeah he doesn't he wants an actual printed manual he texted it was a text message that came in uh but if you're somewhat computer literate, if you get a CD, you can print the darn thing. You can, if you want to, yeah, a thousand pages or so, whatever it is, because they're monstrous. You can, uh, that would be, that would be the best shot. I would, I would do a CD, see if he can't find a CD. In fact, I did pick up a CD off of eBay for it. And I use it more than I do the original manuals. Now, um, The other question I have for you is I have a car that you didn't recommend, and I'm going to take it to Fort Collins here one of these days. I'm kind of getting lined out to do that. But our local quick lube used to break the transmission cooler lines and have a machine that would pump it in and pump it out. Now they have gone to some kind of machine that goes down the dipstick hole, and that's how they change their transmission loop. And I can't see that that's even as good as dropping the pan.
SPEAKER 11 :
It isn't. I wouldn't do that.
SPEAKER 07 :
They did it because a lot of the modern cars now have thermostats in the transmissions, and they won't let the fluid flow to the transmission cooler until it's warm enough. Well, the problem is when you have the machine on it and you hook up the old way, it's too hard to keep the fluid warm enough to keep the thermostat open. So that's why they do this pan service where they just suck it out of the pan and fill it back up pretty much.
SPEAKER 19 :
But I can't see— Doing the dipstick thing really makes absolutely no sense at all to me.
SPEAKER 07 :
No, because you're not flashing all the lines.
SPEAKER 19 :
Because all you're doing is sucking what's out of the pan. Yep, exactly.
SPEAKER 26 :
There's dealers that are actually coming to your house and doing your oil change like that now, too, so you need to watch those.
SPEAKER 19 :
Yeah, well, I'm not a big fan of the quick loops anyway, other than I was okay with when they used to do that. But that's all. Have a good day. All right. Have a nice day and carry on.
SPEAKER 11 :
Buck, thank you very much. I appreciate it. Let's see. Tom, I think, is next. Tom, go ahead. Go ahead. You're up next.
SPEAKER 16 :
Well, hi there. Question, and maybe this is over the top, but I'm getting ready to have the dealer change out or flush my radiator system. Is there any benefit in using distilled water when they put fresh fluid in?
SPEAKER 11 :
No.
SPEAKER 07 :
No, probably not.
SPEAKER 11 :
Some chemists will tell me that I'm wrong. I'm sure somebody out there listening is much sharper on all of this than I am. But if you keep things changed as you should and you keep tabs on what's going on with the cooling system, Tom, I can tell you maybe on one hand, in all of the years I've been in the automotive field since the late 70s, how many times I used distilled water.
SPEAKER 07 :
But the truth is now everybody uses a pre-mix, which they do use. It's already done. Yeah, and most of them are using deionized water, which you have to have for the hybrid cooling systems. And if they're using a good coolant, it already has distilled water and deionized water in it. So I doubt that they're actually mixing it themselves. Okay, and this is an Alexis dealer, so I'm hoping they're putting the pre-mix in it that's done exactly to their spec.
SPEAKER 16 :
Okay. Well, that's good to know. I appreciate your information.
SPEAKER 11 :
You're very welcome, Tom. Great question, by the way. Let's see. We can squeeze this one in. Cody, go ahead. Hey, thanks for taking my call.
SPEAKER 08 :
You're welcome. I'll kind of give you the situation I'm in that's leading up to my question. Okay. excuse me, I was just coming back from Rock Springs yesterday and it just wasn't running right. Transmission was kind of shifting weird and seemed like it was kind of dragging. So I need to get set up with a local transmission shop to have it checked out first thing next week and see what I'm looking at. But I've heard that sometimes there can be some pretty serious transmission issues with those. So kind of looking at Just, I don't know, maybe overthinking it and overworrying if it comes down to the possibility of needing to replace a transmission or have serious transmission work done on it. I'm possibly looking at just biting the bullet and upgrading to a different truck that's a little newer, a little less miles. So I'm curious what trucks between 2015 and the early 2020s would be the better options to look at for reliability and performance.
SPEAKER 11 :
Depends on who owned it prior. And I'm being straight up honest, Cody. I mean, honestly, Dodge gets the worst mileage. Ford's got a great vehicle, but their 3.5 EcoBoost, if that's the one you buy, requires a little more maintenance. The Chevy Silverado, you could do the 5.3 or the 6.2, depending upon what model of truck you buy, or some of those even came with the Inline Duramaxes, which if it's got miles on it, I would stay away from. But really, any three of those, it all really comes down to, and I'm watching Josh and Justin both who are in that world constantly. This one comes down to who owned it.
SPEAKER 26 :
Yeah, and no small diesels. No small diesels at all. Stay away from those.
SPEAKER 11 :
Don't do the EcoDiesel, Ram, none of that.
SPEAKER 26 :
Or the baby Duramax.
SPEAKER 11 :
Yeah, that's what I was saying. Stay away from that one, too. Unless it's got 10,000 miles or something on it, which you probably won't find because they're going to be a boatload of money. Yeah, I'd stay away from those. Okay.
SPEAKER 10 :
Don't throw out Tundra. Yeah, Tundra, Titan, both other than. Not the brand new one.
SPEAKER 11 :
Yeah, the only downside to the Tundras and the Titans, Cody, is their mileage sucks. It's like the Dodge. It's actually worse than the Dodge.
SPEAKER 08 :
Yeah, I know that especially the Tundras for years have known to last forever, but getting 12, 13 miles a gallon on a good day is not doable. And the Rams will do 15 or 16, the EcoBoosts will do 18 to 20, and the Chevys will do 20 to 22.
SPEAKER 26 :
Gotcha. Yeah, John, Josh, is there a gear range where you can avoid the cylinder deactivation, too?
SPEAKER 11 :
No.
SPEAKER 26 :
Are they all doing that now?
SPEAKER 11 :
They are, but that goes back to who owned it, how often were things serviced, and if the truck was really maintained well, oil changes regularly, and so on. Would I buy a used one of those? Sure. Again, Cody, this all comes down to not the truck, but who owned it. Okay.
SPEAKER 26 :
And back to pre-purchase inspections.
SPEAKER 11 :
Yeah, I can't stress that one enough. It really comes down to getting it checked, who owned it, what kind of records do we have on it. You know, was it not bragging, but did somebody like me own it? Did it do everything like they were supposed to and the thing's a cream puff without a scratch on it? At that point, I don't care what brand it is.
SPEAKER 08 :
Okay. So, yeah, then it doesn't matter too much. What brand, what model, just stay away from the smaller diesels and check out.
SPEAKER 11 :
And I say that, and a lot of people are going to be like, oh, no, you can only buy a Chevy or only buy a Dodge. No, I mean, guys, this is like buying shoes. I'm being very honest. Really anymore, all of them have problems. I get a report every Monday from the National Highway Traffic Safety Administration on the recalls of the week. And as I read through that, no one is immune from them. Everybody has them from Bentley to Porsche to Mercedes to Kia and Hyundai and everybody in between. I mean, reality, Cody, is everybody's got some sort of a problem and some idiosyncrasy with that particular vehicle. Some of the vehicles out there, it could be transmission, it could be engine, it could be drivetrain, it could be paint, it could be this, it could be that. And in a lot of cases, again, as I go back to what I said initially, really comes down to who owned the vehicle prior.
SPEAKER 08 :
Gotcha. Okay, well, yeah, thanks for the advice and the help there.
SPEAKER 11 :
And in your case, by the way, one last thing. So truck's driving now.
SPEAKER 08 :
Yes, it is, I guess. So some of the symptoms it's been giving me, I guess, it seems like something's dragging, like almost kind of like maybe the four-wheel drive is trying to be engaged, but it's off. And then driving down the interstate at one point, it almost felt like it slipped into neutral, revved up, lost acceleration. And then I went off the gas and it kicked back in. And then after that, it seems to flutter like maybe 50 to 80 or 100 RPMs. Yeah. And it feels like a slight shift almost, but it's not actually shifting.
SPEAKER 11 :
That's all pressures in the valve body and the transmission, and it's most likely gut. So here's what I would do. If you think you're going to get rid of the truck, I wouldn't even have it diagnosed, checked, whatever. I would have, as we've been talking, service the transmission, get it flushed, see if you can get it to drive halfway normal, dump it, and then get your next truck. I wouldn't spend any money on it. Okay. Outside of that.
SPEAKER 08 :
It depended the point where I was at. If it needed serious work with the miles and the blue book value I looked up, the...
SPEAKER 11 :
cost of it's going to be half of what the truck's worth and i just don't really feel like putting much into it i don't blame you not not at 168 i think you could upgrade to a different truck and and i don't normally say that because typically you can keep your old truck running longest and cheapest and so on but in your case mileage knowing where you live and so on i i think i would do the swap okay Sounds good. Okay.
SPEAKER 08 :
Thanks again.
SPEAKER 11 :
Great call, Cody. Thank you for that a bunch. I appreciate that. And, folks, really, as you guys can all tell, I am not brand specific, especially when it comes to buying used cars. I am not brand specific. I am more of who owned the vehicle. How well was it taken care of? What kind of maintenance did it have done to it? How well was it even to Roy's point? What's the paint and body and all of that look like? I mean, to me, I'm more worried about all of that as I am. Is it a Ford, Chevy, Dodge, Nissan, Toyota, etc.? ?
SPEAKER 26 :
And, Cody, I should have mentioned, if you're still listening, if you're not getting good offers on that truck, reach out to us up north, Ridgeline Automotive, Fort Collins. We might be interested in buying that truck and putting a transmission in it. Okay.
SPEAKER 11 :
There we go. Great idea. All right. We'll be right back, guys. Drive Radio. Lines are open 303-477-5600. This is KLZ 560.
SPEAKER 13 :
Looking for top-notch home, auto, classic car, and business insurance? Look no further than Paul Leuenberger. Paul is now an insurance broker with access to industry leaders like Hartford, Travelers, Safeco, Liberty Mutual, Nationwide, Allstate, AIG, Chubb, Pure, Berkeley, Grundy, and Hagerty. Paul has you covered. Paul is also proud to continue his work with American National for all non-property insurance needs as well. Paul Leuenberger now serves Colorado, Wyoming, Arizona, Nevada, and Texas, with more states on the way. Paul's mission is simple, to connect you with the right coverage at the best value. Are you ready to protect what matters most? Call Paul Leuenberger today at 662-0789. That's 662-0789.
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 Auto Glass. 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. 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 02 :
At Roof Savers Colorado, we are about more than roofs. We are about helping you make the best decisions with the right information. Being a homeowner isn't getting any easier or cheaper, and neither is getting your roof the solution it needs. Deductibles are going through the roof, and with every passing year, insurance covers less than the one before. Due to a record amount of hailstorms recently, insurance companies have started limiting your coverage and pulling out of states entirely. We know the industry. With over 3,000 roofs under our belts and 23 years of experience, Dave Hart and his team are ready to complete a free roof inspection and discuss the option that is best for you. Don't wait. Policy renewals are increasing by as much as 50%. Now is the time to get the solution you need. Call Roof Savers Colorado today at 303- 710-6916 or go to roofsaversco.com. That's 303-710-6916 or go to roofsaversco.com to schedule your free inspection and start saving your roof today.
SPEAKER 28 :
Are you in the market for a reliable car, truck, or SUV that won't break the bank? Does your vehicle need high-quality auto repair? Then look no further. Ridgeline Auto Brokers and Legacy Auto Repair specialize in quality used cars that cost between $15,000 and $25,000, making them a great option for first-time drivers or anyone looking for a great deal. At Ridgeline, we pride ourselves on providing a transparent and hassle-free free car buying experience. That's why we never charge any dealer fees. Plus, all of our vehicles are inspected by our team of ASE certified technicians. You can trust that the car you're buying is in excellent condition. And remember, we can also service your vehicle after the sale. At Ridgeline, we can take your current vehicle on trade And we also offer competitive financing options for vehicle purchases and also for vehicle repairs. Ridgeline now has two locations, one in Boulder and now a second location in Fort Collins located at 1101 North College Avenue. Both locations offer full service auto repair and a host of off-road accessories. Check out all their services at RidgelineAutoBrokers.com. Ridgeline, the smart way to buy or service or accessorize your car, truck, or SUV.
SPEAKER 11 :
All right, we are back. Halfway through today's program, Drive Radio KLZ 560. Thank you guys all for listening. Line open, 303-477-5600. Mike in Highlands Ranch, go ahead.
SPEAKER 21 :
Hey, John, your last caller brought something interesting up. On his truck, he said he looked up Blue Book value. Now, years ago, I had a lot of friends that were wholesalers. And I'd go out to the auction and hang out with them and go by where they worked. And many of them had worked at dealerships, et cetera. And they used NADA book to get values. out here. The Kelley Blue Book was not something that they wanted to deal with or that they thought was even close to accurate. I'm curious today if that's the case. I used to subscribe to get the NADA, but now you can go online. And I also notice that Kelley Blue Book seems to have a higher value per vehicle than NADA. And I also remember a few of the old wholesaler's things, what's left side opener, all the little cliches that they would throw out. And I'm curious, what does everybody use these days? If you go to a dealership and you go see the used car guy or he's bidding on it, are they using NADA or Kelly or a combination?
SPEAKER 26 :
Kelly Blue Book is kind of all over the place for values. They can be way high. They can be way low. They can be close to NADA. Kelly Blue Book has become more of an advertising platform than really a legitimate book to me. The reason we use NADA as our book guide, at least here in Colorado in the western United States, is that's what our lenders want. are using to evaluate what a car is worth and how much they're willing to loan on it. So that's going to be our most accurate. But you can also look at market values, too. NADA is not always going to be accurate with what a car is doing in the market. Some cars, we'll call them soft. You know, it might have a higher book value than... We're buying them from the auction or what they're getting listed for online. And some vehicles are higher than NADA, typically. Toyotas, that's one of those nameplates where you're going to spend $1,000 or $2,000 higher than what clean retail is. But NADA is going to be your closest.
SPEAKER 21 :
Okay, that's curious because I thought that too. The banks were using NADA back then. I also noticed when I... I'd go to the auctions with them, etc. For instance, even in those days, Toyota 4Runners were, you know, two or three grand over left side opener on an NADA book. It's just because they were so strong. And so I get it. Okay, well, you answered my question. I was just curious because the guy said he looked up the Blue Book value and I went, boy, does anybody even use that thing?
SPEAKER 26 :
No, if you get onto kellybluebook.com, you're just getting redirected to whoever's advertising with them. Typically, that's exactly right.
SPEAKER 21 :
Okay, well, that's good to know, fellas. Thank you very much.
SPEAKER 11 :
You're welcome, Mike. Appreciate you, man. Have a great rest of your day. Jerry, go ahead, sir.
SPEAKER 15 :
In the past, I've heard you talk about the separate batteries for the auto start-stop systems. And, well, I've got a couple of F-150s, a 2017 and a 2019. And I guess I'm wondering, do those batteries need to be changed out, like, proactively before they goof up and strand you somewhere?
SPEAKER 07 :
Usually they won't leave you stranded. You'll start getting a light on the dash that says start-stop disabled. And that's usually the sign that it is. So what it will do is it will just turn off the start-stop. You won't have the start-stop ability anymore as they start to go.
SPEAKER 15 :
Well, that'd be great. I don't want the start-stop capability. I'd never use it.
SPEAKER 07 :
It's just going to pester you about it. That's the problem with it.
SPEAKER 26 :
Now, Josh, I heard recently that if the start-stop battery starts going bad, that it can take out your main battery. Is that true?
SPEAKER 07 :
Some vehicles, yes. Okay. Because sometimes the computer doesn't catch it.
SPEAKER 26 :
Maybe being proactive, you know, every three, four, five years you could.
SPEAKER 07 :
What I would recommend, to be honest, is I would replace, if you have the money, replace both at the same time. If you want to be proactive on it, that's what you should do. That's a great idea. But that's the way to do it because they're both the same age. They're both lead-acid or AGM batteries. Usually the little start-top is still lead-acid because it's basically the motorcycle battery or tractor battery you had with different terminals on it so they can charge you three times as much.
SPEAKER 26 :
And if it's an AGM, it needs to be reprogrammed.
SPEAKER 07 :
It does. Most AGMs need to be reprogrammed.
SPEAKER 15 :
Really? What's that entail?
SPEAKER 07 :
Usually you just have to have a factory scan tool or equivalent, and you go in and say this is the date or the mileage or, you know, whatever.
SPEAKER 11 :
So the alternate charges correctly.
SPEAKER 07 :
Right, so the alternate charges. Because there's a whole algorithm that they have to charge an AGM that's different than a lead acid, and as an AGM ages, they have to be charged harder. So if you don't tell it, it knows when the last battery was installed. It'll charge the new battery too hard. Yeah, and it'll take out that new battery. Okay.
SPEAKER 15 :
Wow. Well, that's good to know. I never heard that. Okay.
SPEAKER 11 :
And almost all cars have two, but there are a few cars, believe it or not, that only run one battery with start-stop.
SPEAKER 07 :
They do. And that was a difference with some of the Chryslers. If it had a lead acid, it was non-start-stop. If it had an AGM, it was start-stop.
SPEAKER 15 :
Wow. Okay. Well, that's valuable knowledge. I appreciate it.
SPEAKER 11 :
You're very welcome, Jerry. Thanks for the phone call. Gary, you're next. Go ahead.
SPEAKER 20 :
Oh, hi, John. Hey, Gary. I wanted to call and thank you. About three weeks ago, I called you with a check engine light. It had an EVAP code, and you said, before you do anything, bring it into the shop for the $200 diagnostic. Replace the gas cap. And I did, and the check engine light went off after about three days.
SPEAKER 11 :
Nice. Good job. Good job.
SPEAKER 20 :
Yeah. So thank you so much.
SPEAKER 11 :
You're very welcome. And sometimes, and I'm not belittling anybody, Gary, but a lot of times shops will do all sorts of different things and go through all sorts of different scenarios and forget some of the basic things. And in this case, as a customer, just go put a new cap on it, high quality, which you did and we talked about. Go put a high quality cap on it and start there and get one thing out of the way.
SPEAKER 20 :
And John, I wanted to ask you, this isn't exactly a car question, but it won't take a minute to answer. On the California fires, I was wondering, what if you rebuilt a metal house, a house made of metal? Would that prevent it from burning down, or is that not enough?
SPEAKER 11 :
Not enough. I mean, metal buildings still catch on fire, not necessarily the structure, but typically the inside, the contents and so on. Those will. So, you know, unless you've got a house, Gary, where everything on the inside of it is built out of non flammables, which I'm not sure anybody would want to. live that way i really have no idea how you would you would keep a house completely quote unquote fire free now what i will say and i think this is something that more builders need to start looking at especially in high fire areas and they're starting to develop more of this If builders would look at more flammable-proof glass, and what I mean by that is glass that doesn't shatter when it gets super hot, because as I've said many times, the fire is seeking oxygen. As the glass shatters or breaks, that fire runs into the house, and it burns the house from the inside out, not the outside in like most people think. So if you could somehow get your house completely sealed up, fireproof glass and so on, I think you stand a higher chance of not having any issues. Because, again, even in a metal... house like what you're talking about regular windows you're no different than anybody else well i'll tell you what john i would build a very small metal house with those windows um if i could live on a beach in malibu there you go you know the really quick the other thing that might get more popular gary because of what just happened and for all of you listening it's not a car thing but it's very intriguing for those of you listening go look at 3d printed concrete houses gary and they're getting to be much much much more popular and it's literally an entire house literally printed they call it printing but it's built out of The downside is once it's done, no change is made after because you're talking concrete walls.
SPEAKER 20 :
Yeah. But you talk about being fireproof, they would be. I'd live in one of those on a beach in Malibu any day.
SPEAKER 11 :
You know what? I can't argue that, Gary.
SPEAKER 20 :
All right.
SPEAKER 11 :
Thanks, Don. Thanks, man. Appreciate you very much. All right. We'll be right back, guys. Don't go anywhere. Lines are open. Drive Radio, 303-477-5600.
SPEAKER 12 :
The friendly folks at your local Napa Auto Care Center appreciate their customers and they like to show it. Stop by your Napa Auto Care Center today and ask for your customer loyalty card. It has a valuable offer you can use again and again. It's their way of thanking you again and again for your business and loyalty. Find your nearest store at NapaOnline.com.
SPEAKER 11 :
Most of us think of the days when we'll be retired. Have you planned well enough to be able to do the things you love when that time comes? When will you take Social Security? Have you thought about health care during your retirement days? Will you stay in your current home or move to another part of the country or world? These are all questions Al Smith of Golden Eagle Financial will ask you. The only way Al can help you with your financial future is to know what your future goals are. You don't want to be that person that tries to retire only to find themselves back at work because there wasn't enough money to handle all the expenses. Al will stress test your current plan, if you have one, and show what needs to be changed to make sure you achieve your financial goals. Al doesn't just help you with your financial goals either. He'll help you achieve your personal goals as well. That's Al's goal for all of his clients. He wants you to be financially free so you can achieve the things you've always wanted to do. Call Al Smith today at 303-744-1128 or visit our website, drive-radio.com.
SPEAKER 29 :
are you ready to revolutionize your ride look no further than legacy automotive your one-stop destination for all your automotive needs we're here to take your driving experience to the next level whether you're an eco warrior or a diesel enthusiast are you the proud owner of an electric vehicle or hybrid legacy automotive is your go-to expert for top-notch ev and hybrid service our team of certified technicians is well versed in the intricacies of these cutting-edge vehicles but that's not all legacy automotive offers a range of services for all types of vehicles From oil changes to brake repairs, tire rotations to transmission maintenance, we're here to ensure your ride performs at its peak. Our state-of-the-art facility is equipped with the latest diagnostic tools so you can trust our experts to accurately diagnose and fix any issue. And did we mention our commitment to customer satisfaction? At Legacy Automotive, we pride ourselves on delivering a five-star experience. From the moment you step through our doors, our friendly staff will greet you with a smile and provide personalized attention. We believe in transparency and integrity. so you'll always know what services you need and why. Your satisfaction is our driving force. So why wait? Experience the Legacy Automotive difference today. Just go to LegacyAutoBoulder.com to book an appointment. Whether you're an EV enthusiast, a hybrid aficionado, or a diesel devotee, we're here to keep you on the road with confidence. Legacy Automotive, where expertise meets excellence.
SPEAKER 24 :
Are you a real estate agent looking to elevate your game or a for sale by owner and need professional marketing for your home? Look no further than Homadi. Step into a world of endless possibilities where success meets innovation. If you're a realtor, you gain access to cutting edge tools and technology designed to streamline your business and maximize your profits. From our state of the art marketing platform to our revolutionary virtual tours, Homadi equips you with everything you need to stand out in today's competitive market. If you're a homeowner looking to sell or even a short-term rental owner, Homadi will help you market your listing at the same level or even above that of realtors. The Homadi platform is a game changer. It's intuitive, user-friendly, and will completely transform the way your home is marketed. Join the thousands of real estate agents and homeowners who have already made the switch to Homadi. For more information on how Homadi can help you, call Robert and Julia Swope at 303-502-3464 or find them at fixitradio.com. Homadi, your key to real estate excellence.
SPEAKER 11 :
All right, we are back. Drive Radio, KLZ 560. Thanks for joining us today. Okay, Roy Dietze, ProTech AutoShield over on WeRidge. I keep getting questions off the text line because we talked about the big sunroof. How do you protect that from shattering? You guys talked about the PPS, and I've had a couple of text messages saying, can I really do that?
SPEAKER 30 :
Yeah, so there's a new product. It's called WPF. So it's not paint protection film. It's windshield protection film.
SPEAKER 11 :
Okay.
SPEAKER 30 :
So it's specifically made for the windshield.
SPEAKER 11 :
Okay. But you can do sunroof with it as well.
SPEAKER 30 :
Yes. We actually did a 4Runner that had the sunroof, and it's held up pretty well. So, yes, you can do that on the windshield. You can do that on the sunroof. You can do that on back glass. And, yeah.
SPEAKER 11 :
Okay. Is it more money than regular PPF, about the same? Where is it at on that one?
SPEAKER 30 :
It's a little more expensive than the regular PPF. It's a new technology, so they're still working out all the issues. I think we've gone through five different brands that we've been testing. And like I said, it's a new technology, so sometimes they're made usually in California, where they don't have all the snow, all the salt.
SPEAKER 23 :
All the abrasives and so on, yeah.
SPEAKER 30 :
Yeah, so we were having the problem that any time that it's known and you have all that dirt on the floor and every time that you would use a bunch of wipers, it would scratch it and then you have all that glare coming. So we recently got a new one from Ceramic Pro that they just launched, I want to say two, three months ago.
SPEAKER 23 :
Okay.
SPEAKER 30 :
And one of our guys put it on his car to test it out. And, like, two days later, it snowed, and it held pretty good. So far, so good. Yeah, so far, so good.
SPEAKER 11 :
So for those of you listening, yes, if you're worried about, you know, sunroof shattering, something along those lines, being able to protect that, yeah, you guys at ProTech can take care of all of that. Plus, like I said earlier, they do full wraps. They can do all the PPF. They can do paint correction, full detailing as well, which we don't talk about enough, but they'll do a full detail on your car as well. PDR as well, right? Paintless dent removal. PDR, yeah. Window tint. What am I missing?
SPEAKER 30 :
The vinyl wraps, the window tint, the ceramic coatings.
SPEAKER 11 :
Oh, ceramic coating, I forgot, yes.
SPEAKER 30 :
Which going back to the winter tips, ceramic coating will help with cleaning the snow and all that.
SPEAKER 11 :
Absolutely. Okay, when we come back top of the hour, let's talk about that because, yes, living proof, yes, it does work, in fact. Jeff in Montana, go ahead, sir.
SPEAKER 18 :
Hey, good morning. Actually, I'm in Utah. My wife painted a medical procedure, so we're down here and everything went well. Okay, good. So, yeah, a question to comment. The question is, I've been inflating, you know, I watch the tire pressure on the monitoring system, and when it gets below 35 psi when I'm stationary, I'll inflate it. But that varies by season. And I noticed that it was getting up as high when I'm driving as 39. I checked it yesterday morning. It was at 35. So I'm not worried about it. But changes in elevation and temperature will affect that. So I've never heard you, I don't think, talk about how closely should you keep that pressure at 35. Maximum or maximum are recommended when it's cold. And is there a maximum you need to worry about? I mean, obviously, there is a good 100 psi and a 35 psi tire. But is there any thoughts about that whole situation?
SPEAKER 07 :
Go ahead, Josh. Where I would go is, so this is kind of, you're going to have seasonal changes unless you put nitrogen in. Right. Which most places still don't have nitrogen. I mean, it's, so that's neither here nor there. But in the summertime, if you had a garage that's like 65 degrees, set it to the door sticker. That's the easiest way to put it. Mm-hmm. During the winter, you're always going to have a day where it's colder, and you're going to have to inflate your tires. But it's the way the system's set up. There's usually a temperature part on the door sticker that says what temperature it needs to be to set it at 35 degrees.
SPEAKER 11 :
The problem with the TPMS systems, Jeff, as you know, is there's just not a huge range there to where it could be a little overinflated or a little underinflated, but if it gets outside of that window, light comes on. Yep, exactly.
SPEAKER 18 :
Right. I've never had a light at 39 PSI, so I think it knows that it's. warming up as it's moving.
SPEAKER 07 :
And it also, in the TPMS sensor, most people don't know, there is a temperature sensor there. So the computer gets the data of not only the pressure, but the temperature. So it can kind of extrapolate what it needs on that to know whether it's at the light based on the temperature of the tire. So it knows you're going down the highway at 85 miles an hour. That tire is going to get warm. And your temperature, you know, your pressure is going to rise because it also sees the temperature rise with it.
SPEAKER 18 :
Okay. Okay. So there's some intelligence built into the whole system.
SPEAKER 07 :
There is.
SPEAKER 11 :
Some are better than others. Some are better than others.
SPEAKER 18 :
Some are not very good.
SPEAKER 11 :
Some are really intelligent, and some are not at all.
SPEAKER 18 :
Yeah. Okay, and then a comment. That's good to know. Thank you. And then a comment on kind of combining the fires. I remember when we had the Black Forest fire when I lived in Colorado Springs, and you could see it burning. all the black smoke coming off of it, and then every once in a while there'd be a puff of white smoke because the house went up about every 90 seconds there for a while. But after it, there was a commercial. I'm not sure it was a commercial. I think it was a Ford commercial because it was an F-150. It had been completely smoked, and tires were gone and everything. It was just sitting on the ground. But it was kind of on a whim, I think. The guy went in and turned the key, and the engine fired up. So, like I said, I don't know if that was a staged commercial trying to build Ford Tough kind of thing, or if it was based on an actual situation, but I thought it was kind of funny. Interesting. If I was going to do a commercial, that's what I would do for a vehicle. Not even a fire could stop us.
SPEAKER 11 :
Interesting. I never saw that one. That one's news to me.
SPEAKER 18 :
Yeah. Anyway, I appreciate you. Jeff, appreciate you. California folks don't realize what the insurance is going to do.
SPEAKER 11 :
No, they do not.
SPEAKER 18 :
It's going to do nothing but go up.
SPEAKER 11 :
That's a fact. You got that right. Yep. Appreciate you, Jeff. Thank you very much. Somebody actually texted me a moment ago on some local commercial building that can be printed and so on. So the concrete 3D – they call it 3D printing, although they're using concrete for the quote-unquote printing – It's actually gaining in popularity as it gets more popular. The cost will come down, of course. And is it a decent way to construct, you know, a house or commercial building? I think it's getting more and more popular all the time. The biggest downfall is once it's set, it's set. Right. You know, houses now, if you want to change an interior room around or knock a wall out or whatever, yeah, you just go do that. This, you know, concrete printing will make that a little bit more difficult. All right, we've got another full hour coming your way, guys. I've got a couple of things that I want to add on some cold weather tips. That's the question of the day is your favorite cold weather tip. We'll be right back, though. Don't go anywhere. Drive Radio KLZ 560.
SPEAKER 31 :
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 of Drive Radio, our hosts dive into the essential details of preparing your vehicle for winter. They explain how advancements like ceramic coating can make your car maintenance easier during the cold weather months. Listeners also chime in with car care tips and discuss common cold weather mishaps and preventive measures. Rich in practical advice, this is a must-listen for those looking to enhance their car's winter performance and avoid costly repairs.
SPEAKER 05 :
It's a mighty fancy automobile. Oh, she's a real road king, all right. Zero to 60 in 7.5. She'll do a quarter of a mile, 13.40. 390 horsepower, 500 foot-pounds of torque. Whatever that is. Performance and image, that's what it's all about.
SPEAKER 22 :
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 07 :
All right, we are back. Last hour. Drive Radio, KLZ 560. Thank you all for joining us today. I appreciate it very much. Lines are open, 303-477-5600. Myself, Josh Goff from Legacy Automotive and Ridgeline Auto Brokers, Boulder, Fort Collins, and now Longmont as well. Justin from the same place with us also. And we've got Dietze and Roy from Pro-Tech Auto Shield up in Wheat Ridge. Okay, talking about ceramic coating because we're in that time of the year where it's wintertime and they – stuff gets on the roads and the crud we've got weather coming in potentially tonight more even this next week and we all know what that means and so how does ceramic coating help us with that
SPEAKER 26 :
So the ceramic coating is hydrophobic. So it's meant for things not to bond to it.
SPEAKER 07 :
Okay.
SPEAKER 26 :
So if you have snow on it, it's a lot much easier to take off. Okay. Another thing that it's harder than the paint, than the clear coat on your car. So it's going to protect the paint underneath it.
SPEAKER 07 :
Okay. And I know this is a variable because once you do it, it's not something where you just leave it and forget about it forever. I do know there's some maintenance that has to come into play. How do you guys gauge that? Because I know it depends a lot on the owner, how they take care of the car, what kind of car washes they're using, and so on, right?
SPEAKER 08 :
Yes. So it depends on the owner, the way he takes care of the vehicle. And we recommend to do a maintenance, like a one-layer application every year. Okay, so once a year. So come back, get a tune-up once a year, basically. Yeah, once a year.
SPEAKER 07 :
So a ceramic coating tune-up.
SPEAKER 08 :
Yeah. And sometimes it's not even necessary to apply another layer because the ceramic coating is there. So you bring the vehicle to our shop.
SPEAKER 07 :
and we do an inspection and uh and then we decide if if it needs to reapply if we need to reapply the the ceramic coating got which for those of you listening i they've done several of my vehicles i've got my truck which i'll be taking over there here for exactly what we're talking about because we're kind of at the point where it's i'm actually over a year but i don't drive it every single day of the week so i'm probably safe with the timing on it right now but We'll do exactly that you're talking about and go through, do some whatever kind of touch-up work is needed, and off we go.
SPEAKER 08 :
And I was going to say this earlier. I mean, the ceramic coating is really good right now for the wintertime, for the ice on the windows. So you don't have to spray it.
SPEAKER 07 :
Because it comes off so much easier. Yeah. Yeah, yeah, yeah. Absolutely.
SPEAKER 08 :
I actually made a video of it a few years ago, and I never made it to the video. No, you need to, because it's one of those things that helps. Oh, yeah.
SPEAKER 15 :
Louie, what's going on, man? Oh, just my son. It's Saturday morning errands. You know the drill.
SPEAKER 07 :
Oh, well, that's okay. How are you?
SPEAKER 15 :
Yeah. I'm good. How are you guys? Roy, Dietze, nice to hear you.
SPEAKER 08 :
Good. How are you, Louie?
SPEAKER 15 :
Good, good. Thanks. Good. So, John, your question of the day, cold weather tips. Yes. Stay inside. Don't go out. So, yes. Yes, yes. No, all kidding aside, cold weather tips, obviously, for your car, you know, tires, these plastic headlights that get so contaminated. Yeah. You know, go have somebody, go have Roy and his crew, get them detailed for you, cleaned up for you. Absolutely. And certainly if your car sits out in the snow, please, please, please, while you're cleaning your windows. Wipe your darn tail lights off so people can see your brake lights.
SPEAKER 07 :
How about, Louie, we just get the snow cleared off in general? Can we do that? Oh, absolutely. I was going down the road yesterday coming here, and some guy gets on the highway, and his entire hood has got about an inch and a half layer of snow on it that now starts to fly off in chunks. I'm like, you knucklehead. Yeah.
SPEAKER 15 :
And where do the chunks go? Everybody behind him. Yeah. Yeah. And while in his windshield as well, so he can't see. Correct. Now he's trying to figure out how to turn the wipers on in the middle of traffic.
SPEAKER 07 :
Correct. Yeah, and for a lot of you listening, too, just, again, I know most people won't do this, but when your side windows are all crudded up with the stuff from the road, don't roll them down. One of the easiest ways to scratch your side glass, because it seems like they're softer than ever now, But one of the easiest ways to scratch the side glass on your car is to roll it down when it's dirty. And I know it sounds weird. There's times where I'll either wipe that all off before you actually roll it down, or I just won't roll it down, period, until I can get it washed because I don't want the side window scratched. And I don't know any cure for that. Once it gets in the felt, it's done.
SPEAKER 15 :
Yep. To jack off both your points, John, if the side window is frozen, the electric motors and window regulators aren't tough enough to break the ice loose to roll the window down, so now you're replacing a window regulator.
SPEAKER 07 :
You know, you made me think of something else along those lines, Louie, as well, which most people don't do. When it's really cold and snowy out, maybe you're going to the office. Maybe you normally park inside your garage, but you've got to go to the office and it's going to snow throughout the day. Make sure you turn your wipers off. before turning the car off because otherwise the minute you turn the car on the wipers are on they want to try to wipe and i can't tell you how many wiper motors and so on linkage etc over the years i've replaced because of what i just said because the wiper blades are froze to the ice on the windshield yes or the snow is just too heavy for it to move in the first place yeah to push it yeah yeah and another good point is uh when we get a break in the weather
SPEAKER 15 :
Just take it through a $10 car washer at your local gas station so your side windows are clean again and your back window is clean again so you can see out the darn car.
SPEAKER 07 :
Yeah, and for those especially who don't have the ability to wash at home or whatever, yeah, I mean, I'm not a huge fan of that on a routine basis, but in that particular case, absolutely, yes.
SPEAKER 15 :
Yeah, and plus, most of the drive-through car washes have the undercarriage wash, so it kind of rinses off some of the de-ice from the bottom side for the electronics, et cetera.
SPEAKER 07 :
Yep, and just the general crud that gets underneath there. Yeah. Yep, absolutely, Louie.
SPEAKER 15 :
Yeah, and then another thing I wanted to mention, John, a previous caller was talking about elevation and tire pressure. Yeah. And, yeah, that was a very good point brought up that is rarely discussed because what is our atmospheric pressure here? I think it's like 14.6 pounds per square inch or per square foot.
SPEAKER 06 :
Josh is the airplane guy. What is it? Well, it's barometric pressure, so whatever today is.
SPEAKER 07 :
Yeah, it changes. It changes, yeah.
SPEAKER 06 :
Okay.
SPEAKER 15 :
But when you get to sea level, obviously you don't have as much, what am I trying to say here? You've got less air pressure at sea level than you do at elevation because there's less air down there, but it's actually more pressure. I'm getting this all screwed up because I'm not a scientist. But case in point, when we would bring the race car from sea level to the Mile High Nationals, You'd put six pounds of air in the rear tire at sea level, and you'd get to Vandermeer at, what, 8,000 feet? And there'd be like 10, 12 pounds of air in the back tires. So the air pressure in the tires do change with elevation. So if you're going to be anywhere lower elevation for an extended period of time, adjust the air pressure in your tires.
SPEAKER 07 :
Yeah, makes total sense. Very true. Absolutely.
SPEAKER 15 :
Yeah. Yeah, so, all right, I'll quit. Louie, as always, appreciate you, man. You belated Merry Christmas and Happy New Year.
SPEAKER 07 :
Thank you.
SPEAKER 15 :
And you guys have a great day.
SPEAKER 07 :
You too, Louie. Appreciate you very much. That's my pinstriper. Actually, he's what got Roy and I together way back when, so appreciate Louie very much. All right, we'll take a break, guys. We'll come back. We've got lines open, 303-477-5600. This is Drive Radio, KLZ 560.
SPEAKER 03 :
If you're new to the area, our Napa Auto Care Center would like to extend a hearty welcome. We'd like to introduce you to our top quality vehicle maintenance and repairs, nationwide warranty, and service you can trust. Stop by our Napa Auto Care Center for your special welcome kit. It has the information you need to get to know us, plus welcome specials to save you money from the very start. Visit NapaOnline.com.
SPEAKER 01 :
Looking for top-notch home, auto, classic car, and business insurance? Look no further than Paul Leuenberger. Paul is now an insurance broker with access to industry leaders like Hartford, Travelers, Safeco, Liberty Mutual, Nationwide, Allstate, AIG, Chubb, Pure, Berkeley, Grundy, and Hagerty. Paul has you covered. Paul is also proud to continue his work with American National for all non-property insurance needs as well. Paul Leuenberger now serves Colorado, Wyoming, Arizona, Nevada, and Texas with more states on the way. Paul's mission is simple, to connect you with the right coverage at the best value. Are you ready to protect what matters most? Call Paul Leuenberger today at 662-0789. That's 662-0789.
SPEAKER 10 :
If your engine doesn't leak oil, but you have to add to it between oil changes, where does the oil go? The problem occurs when piston rings clog with carbon and then allow oil to blow by the pistons and burn in combustion chambers. The best service shops use a BG product that cleans the engine in just 15 minutes. Find a shop with BG products at BGfindashop.com. That's BGfindashop.com. It will protect your engine and your pocketbook. Find a shop now. Go to BGfindashop.com. Thank you.
SPEAKER 24 :
are you ready to revolutionize your ride look no further than legacy automotive boulder your one-stop destination for all your automotive needs we're here to take your driving experience to the next level whether you're an eco warrior or a diesel enthusiast we know you love the power and endurance of your diesel engine at legacy automotive boulder we speak diesel fluently our skilled mechanics have years of experience in diesel service repairs and maintenance from routine checkups to major overhauls we've got you covered we'll keep your diesel engine roaring with efficiency and provide you with the exceptional service you deserve but that's not Not all. Legacy Automotive Boulder offers a range of services for all types of vehicles. From oil changes to brake repairs, tire rotations to transmission maintenance, we're here to ensure your ride performs at its peak. Our state-of-the-art facility is equipped with the latest diagnostic tools so you can trust our experts to accurately diagnose and fix any issue. And did we mention our commitment to satisfaction? At Legacy Automotive Boulder, we pride ourselves on delivering a five-star experience. From the moment you step through our doors, our friendly staff will greet you with a smile and provide personalized attention. We believe in transparency and integrity, so you'll always know what services you need and why. Your satisfaction is our driving force. So why wait? Experience the Legacy Automotive difference today. Just go to LegacyAutoBoulder.com to book an appointment. Whether you're an EV enthusiast, a hybrid aficionado, or a diesel devotee, we're here to keep you on the road with confidence. Legacy Automotive Boulder, where expertise meets excellence.
SPEAKER 07 :
All right, Drive Radio, KLZ 560. And I've been holding off on this particular topic for a little bit because I was waiting until some of the dust settled and so on on social media. But a lot of you out there listening, and I get text messages from some of you, there's a shop up in Utah called Dave's Auto. And he's all over social media. He does engines and all sorts of stuff. And he's built himself quite a following on the social media end of things. In fact, probably has built enough of a social media following that he's making as much off of social media as he actually is in the shop. But that's for... Probably another conversation for a different day. But he put a video out not long ago that he took a lot of heat over, and rightfully so, because I think Dave was... 100% wrong in a particular video that he put out. So what he did one day was, it was super cold up in Utah, snowy sort of day, and he hops in, evidently must have been a Cummins that either he owned or one of the guys owned, so a Ram with a Cummins engine, of course. And he said, here, I'm going to show you the best way to start a cold engine. And he says, you get in it, you fire it up, you put it in drive, and off you go. And I am thinking to myself, you are a knucklehead. And he goes in this long dissertation about how the inside of the engine oils and why you need to do this and how driving it will make it warm up faster, which I'm not disagreeing with. It will. It'll make some things warm up as you start to drive the vehicle. But there's also some things that need to warm up first. before you just throw it into drive and start driving it. And, yes, there's going to be some differences between the diesel side versus the gas side. So right now I'm specifically talking the diesel side. But one of the things I think Dave is forgetting throughout the entirety of the vehicle is there's other things that are running when you first start up that are cold, i.e., power steering and the hydro boost system. Mm-hmm. The transmission, the torque converter and the fluid that's there, and, and, and. I mean, I can go down the list of things that need to have some circulation first before just hopping in it and driving off. And Dave took a ton of heat and, by the way, did himself a huge disservice. I think Dave is a very intelligent, smart guy. But he wasn't when he did this video. Maybe he did it just to attract more followers and such. I really have no idea. But I think you can tell from the video that he was extremely serious about what he put out there. But I will tell you right now, straight up, Dave's wrong. He's wrong. Flat out.
SPEAKER 09 :
So, Josh and I the other morning were talking about how oil isn't just a lubricant. It's also a hydraulic fluid. Correct. Josh, can you elaborate on how it's acting as a hydraulic fluid?
SPEAKER 06 :
Because it... It has to run the whole VVTI, and if we have variable lift and 100 other components in the engine that are no longer just being lubricated but actually move back and forth. So if we're not letting that oil warm up, how's it going to make it through those passages? I guess my example is we don't wake up in the morning and go run a mile, jump out of bed and run a mile. True. Usually you work your way into running that mile. Very true. So when you do that to your car, it's the same as trying to wake up and run a mile.
SPEAKER 07 :
Not to get super technical on air here, but some of the things Dave said that were flat out wrong was he was talking about even cylinder splash from the crankcase and different things, which, by the way, he's completely wrong on all counts because there is no such thing. modern engines, and he should know this as an engine builder, there better not be any splash because they're designed to not have any. We want the oil pump doing all of that work. Splash engines haven't been around since the 50s, and I'm not exaggerating because that's how old engines were done. We don't use splash technology any longer on anything, and if it is, it's over full. So reality is there was a lot of mistakes that I believe Dave made, and Maybe Dave's just the owner and doesn't really work in the shop and maybe should stick to his own lane. Again, I don't know. But at the end of the day, Dave put out really, really, in my opinion, bad information that if people follow along exactly what he said are going to have other problems that I think he is very neglectful in putting that out. Let's just say it that way.
SPEAKER 06 :
Oh, yeah.
SPEAKER 07 :
So my advice, and by the way, there's another reason why I think he's completely wrong. The manufacturer wouldn't put remote start on these vehicles if it weren't okay to start and let them idle for a little while before taking off and driving. Now, one of the things Dave did say, and this was his biggest reason for saying this, is it can damage your emission system on a diesel. And I will agree that excessive idling on especially some of the Ram Cummins units can cause some DPF buildup, although not in this particular case. Because in the case of a Cummins especially, as it's going through its warm-up process, if you stand back by the tailpipe... You'll even hear some things that are happening in the exhaust system itself that are actually helping the engine warm up faster. So, once again, he's completely inaccurate in what he was describing. He is correct that if you just let one, after it's completely warmed up, just sit and idle, yes, that could cause some issues. And you shouldn't do that, especially on some of the Cummins engine products with the emission systems they've got. But he didn't explain it that way. Right. He basically said, we don't want it idling ever because it's going to damage the system. He's incorrect.
SPEAKER 09 :
So for an exhaust catalyst to work, for it to oxygenate properly, you need heat.
SPEAKER 07 :
Correct. And that's why when you start a Cummins up, you can hear the – and I don't want to get super technical, but you can hear what the exhaust system is doing at that point, the whistling sound that it's making. It's doing things to help keep – that exhaust gas recirculating inside of the engine to get the operating temperature back up, you know, up as soon as it can, and hopping in it and driving it right off the bat, no, that's a bad idea.
SPEAKER 06 :
Well, you know, you hear the turbo spooling harder when they're cold. Correct. And that's why they want more airflow through that exhaust.
SPEAKER 07 :
Exactly. So Mike in Westminster, you're next. Go ahead.
SPEAKER 17 :
Hey, John, how's it going? Good, sir. I just had my car oil checked, changed out at Valvoline. And they used the sucker stick, too, which caught me off guard. When I asked them about it, they said, because there have been too many people tearing up the drain plugs. It's like, well, then you should fire the guys that are tearing up the drain plugs.
SPEAKER 07 :
Yeah, well, then they wouldn't have anybody working for them. That's why you don't go there, Mike.
SPEAKER 17 :
My question is... You said something, don't buy the half-ton diesels.
SPEAKER 07 :
Right. The light-duty diesels. Well, several reasons. Number one, the eco-diesels on the Rams were a problem from day one. Some of the late model ones, and I do know some listeners that have them that have done very well, although I think they're the anomaly because most didn't. Most of those light-duty diesels, whether they were in Cherokees or they were in the Ram pickups, were nothing but problems from the get-go, so that's one I definitely would not buy. The little Duramax, the inline-six Duramax, great engine, great little vehicle. They work fantastic. Don't own it over $100,000, though, because when you get to that point, you've got to put the belt on the back of the engine, and the transmission has to come out to do that service, and it's about a $2,500 bill when it's all said and done. So, yeah, that one's fine if you want to drive it to about $90,000 and then dump it, but I wouldn't own it over that.
SPEAKER 17 :
I'm retired now. The next truck I buy is going to have to last me until I'm gone. Then buy a regular gas engine and call it good.
SPEAKER 09 :
Everyone says that, Mike, and I see them a couple more times.
SPEAKER 17 :
Well, I'm not that far gone, but I mean, I've had this truck now, I've had it for about 15 years, and it's doing me fine, but You know, it'd kind of be nice to have something new that I don't have to worry about later on down the road.
SPEAKER 07 :
Yeah, I'm in the creature comforts, and I will say that. I mean, again, I have an 04 Dodge that I use to plow snow and tow trailers and do other things with, and it's a great vehicle. No emissions, none of that. It's solid. It's great. It's fun to drive and all of that. But is there a big difference between driving that versus my 2024 that's 20 years newer? There is no comparison, Mike.
SPEAKER 17 :
Oh, yeah. I mean, I'm just... I'm one of those who think that if you have a house, it ought to be law, you have to have a pickup so you can do stuff around the house. Can't argue that.
SPEAKER 07 :
I think I've pretty much owned a pickup most of my life.
SPEAKER 17 :
When I first got married a long time ago, my wife wanted to do the flowers around the house, and we didn't have a pickup, so we had to go borrow father-in-laws.
SPEAKER 07 :
Yeah, I'm not a borrow kind of guy, so I'm not that guy.
SPEAKER 17 :
All righty. Thank you, sir.
SPEAKER 07 :
I appreciate your time. Mike, I appreciate it very much. Again, thank you. And, again, just going back to the whole cold weather tips, warm-up, and so on, and we've talked about this in the past, and you hear all sorts of differences of opinions, and there's been all sorts of even bad press on this. I did a whole thing on this last year where Nine News even put a thing out, and they had interviewed different, quote-unquote, experts around the country, which, by the way, when I come down to it, they weren't experts, and they would even say the same thing, just get in the vehicle and drive it. Wrong answer. Now, do you need to let it sit and warm up for 30 minutes? No. Do you need to let it sit and warm up for 15 minutes? No. If you were just to go out there, and I know we have a puffing law in Colorado, and they're writing tickets for that, so don't just go out in the driveway, start, and go back inside. Unless you have remote start, that's illegal. If you do that, you're liable to get a ticket. So if you don't have remote start, go out in the vehicle, start it up, As it's warming up, you can go around and scrape all of your windows and get your snow off and so on. And typically, by the time you've gotten all of that taken care of, which is going to be two, three, four minutes, sure, at that point, if you want to take off and drive, not a problem. But I would not, on a very cold morning, just hop out, throw the thing and drive and leave. Am I right in that, Josh, description-wise?
SPEAKER 06 :
I would not do that because nothing's flowing on it. And even on really cold mornings, you know, the belts need to get up to temp. Thank you. And also, like you said, we have a lot of hydraulic systems that are not just the engine, but hydro boost, power steering. A lot of times on cold mornings, they have morning sickness and they won't work.
SPEAKER 07 :
That's right. So give the vehicle a little bit of chance to warm up. Again, I'm not saying that you've got to get fully warmed up to where you walk in and you could, you know, you could melt a chocolate bar off the defroster. I'm not talking that. I'm talking give it three to five minutes, and sometimes that's hard to sit in there. But again, if you will stage it correctly, get in the vehicle, start it, let it be warming as you're going around the vehicle and scraping windows and all of that. And last but not least, I know I say this a lot, and I'm going to sound like a broken record, but if you have a garage, throw your crap out and park in it. I look in the summertime especially at garage doors that are open, and the majority of people can't park in their own garage because it's full of crap. So call a dumpster company, put it out front, take all that crap in the garage and throw it in the dumpster, and then park inside. And then guess what you can do? Fire it up in the mornings and leave. Because then you don't have to wait for anything to warm up because it's going to be inside a garage at 40, 45 degrees temperature. And then at that point, sure, it's fine. Take off. Leave. Who cares?
SPEAKER 26 :
Is there a difference between a gas, diesel, and an EV?
SPEAKER 07 :
I'm glad you just said that. Yes, there is. Really quick, everything we talked about earlier with Josh and Justin was mainly on the diesel side, although it does apply on the gas side, especially on the truck side, because, again, they have got other systems that need to get warmed up and so on. I will say that on... An EV, there is no warm-up unless you want the heater warm. You can just hop in and go because there's nothing really that changes there on an EV. A hybrid, still need to let the engine warm up slightly because it's in the same situation we just talked about a moment ago. Now, I will say this. On a regular gas engine, they don't quite need the warm-up time that a diesel has because they just warm up faster. A gas engine will just naturally warm up faster than a diesel engine will, and I won't get into all the details of why, but you're talking... a massive engine versus a small engine, and on and on we go. So I'm not going to get into all those details. But typically you could cut everything I said in half for a regular gas engine car versus a diesel truck. But diesel truck, I want about five minutes of warm-up time before you go and do anything. And that is completely opposite of what Dave had said. John and Centennial, you've got a comment on the puffing law. Hang tight. We'll come right back on that one. Don't go anywhere. This is Drive Radio, KLZ 560.
SPEAKER 13 :
Do you have more month than money? The cost of everything is going up, except your income. How about some relief? Take AIM, Affordable Interest Mortgage, 720-895-0500. Do you have a great rate on your first mortgage, but household debt is swallowing the rest? Rates are falling. Lower your monthly debt seven to $1,100 a month. Call AIM, 720-895-0500. When you lower your household debt seven to $1,100 a month, you are still able to pay off your home in the same timeframe, sometimes even faster. Let our 23 years of experience help save you money. Remember, saving interest is money in your pocket. Take AIM, 720-895-0500. Tired of paying high interest rate on your credit card debt? Think about it. Bills paid, money in the bank, less stress. Affordable Interest Mortgage, 720-895-0500. Give yourself a raise and keep more of your money. That's 720-895-0500, where it's all about you. Regulated by Dora and MLS 217147, equal credit lender.
SPEAKER 05 :
Few things are life-changing. Your wedding day, the birth of a child, an oil change. Wait, what? Yes, an oil change can change your life if it comes with a peace of mind that if your engine, including the fuel system, fails, you're covered for life. The BG Performance Oil Change comes with free lifetime protection for your engine and fuel system. Find a shop near you at BGFindAShop.com. That's BGFindAShop.com.
SPEAKER 23 :
Have you ever had one of those days, you know, where you accidentally slide into a curb? It happens. This time of year in Colorado, roads are often wet, snowy, and icy. Don't worry, Econvil Auto Care has your back. Our expert team is here to help get your vehicle back on the road. Why bring your vehicle to the Napa Gold Auto Care Center of Accountable Auto Care in Broomfield versus your local body shop? We can work with your insurance company and repair your car, truck, or SUV in days, not weeks or months. And we will give you a courtesy car to drive until yours is ready to drive again. We can take care of your tires, wheels, axles, control arms, stabilizer bars and links, struts and shocks, and wrap up the repair with a comprehensive wheel alignment. If you or someone you know had a little run-in with a curb, contact Accountable Auto Care in Broomfield at AccountableAutoCare.com. Or you can call or text us at 303-460-9969. That's Accountable Auto Care in Broomfield.
SPEAKER 07 :
Have you ever thought about owning a classic car, hot rod, older truck, or an out-of-the-norm vehicle? Worldwide Vintage Autos is the place to go for all your vintage car and truck needs. With over 80,000 square feet of indoor showroom and warehouse space, they make the shopping experience easy. Every vehicle they sell is checked out by their own staff and is verified as a roadworthy vehicle, and this includes consignment vehicles. When you buy a vehicle from Worldwide... It's a vehicle you can safely drive home. They sell over 1,200 vehicles a year and most of their inventory comes from people like you and me. If you want to eliminate the hassle of selling your vintage or unique vehicle, give them a call today. By the way, sign up today for the VIP list. They'll give you updates on all their new inventory that the general public doesn't see yet and it's at a discounted price. Worldwide Vintage Autos. Don't let the name fool you. They sell worldwide, but their showroom is right here. here in Denver. Find them today at worldwidevintageautos.com or call 877-378-4679 and make sure you tell them John Rush from Drive Radio sent you.
SPEAKER 04 :
Looking to buy or sell a classic car? Need a reliable valuation you can trust? Look no further than BP Appraisals, LLC. With over 20 years of experience in the appraisal industry, we provide fast, accurate, and professional appraisal services that you can count on. Did you know that an appraisal can also entail the forecasting of monetary earning power? An appraisal is a document with a valuation conclusion. It is not a pre-purchase inspection, a mechanical evaluation, or a recommendation to buy or sell your vehicle. It's the actual value at that moment in time, which many need for things like estate planning, insurance, or investing. At BP Appraisals, we value your property like it's our own. Make informed decisions with confidence. Don't settle for less. Choose the experts at BP Appraisals LLC, where precision meets professionalism. Visit us today at bpappraisalsllc.com and schedule your appraisals in just minutes. BP Appraisals, LLC. We know what your property is worth. That's bpappraisalsllc.com or call 720-295-0108.
SPEAKER 07 :
All right, we are back. Half an hour left of Drive Radio. Appreciate you guys today. 303-477-5600 is our number. And again, don't forget, after the show's over, if you guys have any questions, whether it be on the buying a car, selling a car, trading a car in, getting your car fixed, whatever, we've got Legacy Automotive, Reason Auto Brokers, Justin, Josh, either one of those guys can help you along those lines. If you've got any questions on paint correction, window tint, PPF, wrapping... Painless dent removal, whatever the case may be, give the guys at Pro-Tech Auto Shield a call, and they'll help you on that end as well. Right, guys? Yes, please. Absolutely. All right.
SPEAKER 12 :
Puffing. John, you're up. Go ahead. Hey, good morning, John. Good morning. I haven't talked to you in a while. I'm the guy with the 22 GMC Canadia. Yes, sir. Or Canadia. Remember me? I do. Yeah. Hey, this happened a couple years ago. I had to kind of educate the Arapahoe County Sheriff. I live in the suburbs. And one morning, this happened a couple years ago, I printed off a copy of the law about puffing, you know, start your car up and let it puff. Well, one morning early, about 7 o'clock, a Arapahoe County sheriff knocked on my door. and said, I'm going to give you a $50 ticket because I had my car in my driveway, not in the garage with the garage door open, but I had it in my driveway. Started up, I was warming it up so my wife could go to work, and he wanted to give me a ticket for puffing. I pulled the law out and showed him that if it's on private property, and this was done for farmers, if it's in my driveway or in my garage, They can't give me a ticket. Now, if I'd have pulled the car out in front of my house on the street, that's a public roadway, they could give me a ticket. But if it's in my driveway or in my garage and I have the door up and it's puffing, they can't give me a ticket.
SPEAKER 07 :
You just schooled me on that because I thought they could. So thank you for the clarification because I was under the impression that even in your driveway they could write a ticket.
SPEAKER 12 :
No, that is considered private property. Interesting. That's why they can't give a farmer a ticket for puffing out on farmland or anything else like that. But if it's on private property and it's your own driveway, they can't give you a ticket. Now, like I said, if I parked in front of my house, which is a public street, they could give me a ticket.
SPEAKER 07 :
Okay, good to know. John, I didn't know that. Thank you for the clarification. I was not aware of that.
SPEAKER 12 :
Yeah, I got a copy of the law in all my vehicles to show it to them.
SPEAKER 07 :
Yeah, I had no idea. Thank you. I'm sure most listeners didn't know that.
SPEAKER 12 :
Yeah. All right. Have a good one. I haven't talked to you in a while.
SPEAKER 07 :
No, John, thank you very much. I appreciate that because, no, I did not know that. Howard, go ahead.
SPEAKER 11 :
Hey, John. Howard here. I've got a 2001 BMW 750, and the water pump leaks through the bleed hole. I have looked everywhere for a water pump, and I have found one right outside of Sydney, Australia in a – A shop that you advertise, Napa. It's a Napa store. I think the number is 211. Anyway, I've got a lot of information I wanted to send to you. Maybe you can help me because you're the Napa guy. Find this water pump. You go online, you find them, and then when you try to buy them, they say, oh, we don't have any more. That's my problem. Have you got an address I can mail this stuff to you?
SPEAKER 07 :
Well, can you email it? That might be easiest. Do you have the ability electronically to send it?
SPEAKER 11 :
No. I have to scan it. There are pictures. There's everything that you need. And there's a history of what I have done to try to find this.
SPEAKER 07 :
Okay. Yeah, if you just send it here to the station, I'll get it. That's easy. And you got a pen where you can write this down?
SPEAKER 11 :
I've already tried to send it to the station in Aurora.
SPEAKER 07 :
Is that the address? 2821 South Parker Road, number 1205. You got to have that on there or it won't make it to me.
SPEAKER 11 :
That's it, number 1205.
SPEAKER 07 :
1205, Aurora, Colorado, 80014. Put my name on it and it'll be right on my desk.
SPEAKER 11 :
Tell me the number again, unit...
SPEAKER 07 :
So 2821 South Parker Road, number 1205.
SPEAKER 11 :
I got it.
SPEAKER 07 :
If you do that, trust me, I get stuff all the time. It'll come right to my desk.
SPEAKER 11 :
All right, great.
SPEAKER 07 :
Thank you. And I'll do my best to help you out on that, Howard. I appreciate it. Now, real quick question for Josh and Justin. Would Whirlpack not be a source for trying to find that, or is that oddball?
SPEAKER 06 :
That's where I would go is Whirlpack. Yeah. Let's see.
SPEAKER 07 :
It's a 2001. I mean, it's old, but it's not ancient. No. Yeah, they would usually still have that stuff. It's 25, 26 years old. It's not that old. Right. There's still a lot of those BMWs running around, too.
SPEAKER 06 :
No, there's still a lot of them. That's what I thought. Usually, yeah, they're... I would think it wouldn't... Too hard to get one. We can see.
SPEAKER 07 :
Regardless, Howard, send me that information between myself, Justin, Josh. We'll do our best to try to help you find that part. And if there's one on the other side of the world, you can get that, of course. But the shipping costs and so on to have that brought in will probably exceed the price of the pump.
SPEAKER 09 :
Mm-hmm. And if it makes it through customs, I think we can find something here domestically.
SPEAKER 07 :
Yeah, if it's made, we ought to be able to find one here on this continent someplace, I would venture to guess. At any rate, I do get those e-mails and text messages occasionally from all of you where you're trying to find a particular part. And in a lot of cases, and it's not because I have any kind of magic or magic fingers or anything like that, We've done this enough, and over the years, we kind of know what sources to go to, where typically there's not very many times I can't find what you're looking for. And even if I put it out on air, like the owner's manual for the early, what is it, the 94 Ford that somebody was asking for earlier on the text line. Yeah, we typically can collectively figure out a way to find those things. So for those of you listening also that are some of those BMW older vintage cars, expert guys if you've got a line on parts for those please send me a text message on or an email on that as well and i'll do my very best well i'll store that and as i hear from howard i'll utilize some of that from you guys as well all right we'll take a quick break we'll come back to our last segment lines are open 303-477-5600 this is drive radio klz 560.
SPEAKER 03 :
Take vitamins, exercise, ease up on the coffee. Sound familiar from your last visit to the doctor? Well, your Napa Auto Care Center knows preventative maintenance too. By grouping together services your vehicle needs, customized for the way you drive, they can save you time, money, and hassles, prevent troubles down the road, and give you confidence when you travel. Ask your Napa Auto Care Center to build a preventative maintenance plan for your vehicle today. Visit NapaOnline.com.
SPEAKER 27 :
You listen to Drive Radio because you have a lot of questions about your car. You have questions about what kind of oil to use, what the best tires are, where to get the best parts. But have you ever asked what will happen to your car after you die? Did you know that if you don't have a will that specifically states what will happen, a probate judge will order your family to split your car evenly. And because you can't cut up a car into pieces, your family will be forced to sell it and just split the money. According to Michael Bailey, the mobile estate planner, it is estimated that two out of three people don't have a proper will in place. And oftentimes, things like your favorite classic car are accidentally forgotten completely. Michael understands that the only way to be absolutely certain that all of your final wishes will be honored is to take a small amount of time to talk about it. 720-394-6887 720-394-6887 Call Michael Bailey, the mobile estate planner, right now to set up a free consultation and make absolutely sure that you don't leave anything to chance.
SPEAKER 25 :
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. 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 Autoglass.
SPEAKER 02 :
Picture this, you're cruising down the open road, the wind in your hair and the sun on your face. Now imagine doing it in a car that looks as good as the day you drove it off the lot. That's where ProTech AutoShield and Nano Coatings comes in. ProTech, the name you can trust for top-tier automotive protection. Your car isn't just a set of wheels, it's an investment. And we're here to make sure it stays pristine. Step inside our cutting-edge facility, where we craft the latest in automotive protection. Our advanced paint protection films act like an invisible force field, shielding your car from road debris, rock chips, and whatever Mother Nature throws your way. And for that showroom shine that lasts, our premium ceramic coatings offer unbeatable protection against dirt, water, and those harsh UV rays. But ProTech isn't just about the exterior. We care about every detail, inside and out. Our interior protection products ensure spills, stains and wear and tear are a thing of the past. Worried about making the right choice? Our expert team is here to guide you, ensuring your car gets the treatment it deserves. Elevate your driving experience with ProTech AutoShield and Nano Coatings because your car deserves the best. Visit ProTechAutoShield.com today or call 303-423-2841 and shield your investment with confidence. Drive on. Protected with ProTech AutoShield.
SPEAKER 07 :
All right, we are back. Drive Radio, KLZ 560. Thanks for listening to us today. You just heard an ad for ProTech Auto Shield. We've got Roy and Dietze both from there. And again, all of our sponsors, all of our partners, you can find on our website. Just go to drive-radio.com. Josh and Justin, both from Ridgeline Auto Brokers and Legacy Automotive with us today as well. Mark and Wiggins, you are next. Go ahead.
SPEAKER 14 :
Hey, good afternoon, John. Hey, Mark. It's kind of a blustery, yucky day up here.
SPEAKER 07 :
Yeah, it started off actually warmer than it is now.
SPEAKER 14 :
Yeah, yeah, I opened the door this morning and went, wow, it feels actually kind of nice.
SPEAKER 07 :
Thank you. I did the same thing, and now it's like below 40.
SPEAKER 14 :
Yeah, yeah, I think it's around 37, 38. Heard you guys talking about puffing, and I thought, you know, I haven't looked up the specific law on that for the Colorado Revised Statue, but I guess I was under the impression that that had to do with whether the doors were locked properly versus, you know, if you went out there with a key and turned it on and left a key in it with the door unlocked, you know, then anybody could jump in it. But if you have, like, a fob with the start button, you know, it locks the doors and then starts the vehicle. So it wouldn't matter if it was on the street or not. You know, it locks the doors, and therefore, you know, you could fire it up and idle it, and, you know, nobody could jump into it. But interesting, last year, You know, I was getting a little frustrated because on our vehicles, if you're trying to lock the door and exit the vehicle with the door locked to keep it running for a couple minutes, like if you go to a store or something and just want to run in and run out while it's blowing snow or whatever, it won't let you do that. You know, it knows, oh, hey, the key just left the vehicle. You're not authorized to do what you're asking me to do. But you can fool it a little bit by, you know, I watched YouTube videos to get the idea, but if you roll your window down, close the driver's door, hit the lock button, and then reach through the window to roll the window back up, if you have automatic windows. Obviously, if you have a roll-up, it won't work. But, you know, hit the button up for the window. It'll shut and lock the door, window, and everything while the thing's running. But... Now you cannot get back in the vehicle with the fob, so you have to take the key out of your fob to actually unlock the door. True. But at least, you know, the vehicle's locked, and hopefully you don't get a ticket. And you bring up a great point.
SPEAKER 07 :
I have not looked at that law that closely. I guess I need to because I think both of you guys are on to something, which I need to read the law. I'd never read it because it doesn't apply to me ever, but I need to read it.
SPEAKER 14 :
Yeah, yeah, and I also learned something, too, that – that if you're going to quote something, you better be quoting a CRS. If you're quoting a House bill, they're going to laugh at you. And so they don't really consider legislation numbers to be law because it's not official, Colorado revised statute. So if you find a CRS number and whatever that is for puffing, then you can quote that.
SPEAKER 07 :
Okay. Makes sense.
SPEAKER 14 :
Good show, guys.
SPEAKER 07 :
Thank you, Mark. I appreciate that very much. I got a question that just came in. Russ, give me one second. How long do you wait to drive a Ram or a Duramax both in a heated garage or building? Hop in it and drive it. I mean, if it's heated and it's already at temperature, by the time you get the thing pulled out, it's idled enough at that point in time to where, no offense, I wouldn't be super hard on it for a few miles until the temperature starts to come up, but you want to get it and drive it coming out of a warm building. Rock and roll. Yeah, be my guest. Have fun and enjoy yourself. Russ and Cheyenne, go ahead.
SPEAKER 18 :
Hey, good morning. Good morning, Russ. I was just, you know, I sent you that text message last week on that thermostat I was having trouble with. On that car overheating. Okay. And I finally figured it out. What was it? So I bought, well, it was a thermostat. I bought a $140 thermostat for that car. Okay. It was expensive. And it turned out it was bad from the factory.
SPEAKER 07 :
Okay.
SPEAKER 18 :
I wound up buying an actual GM thermostat.
SPEAKER 07 :
Okay.
SPEAKER 18 :
Which was actually cheaper to buy it from the dealer than it was to buy the high quality one from the parts store.
SPEAKER 09 :
We run into this all the time, too.
SPEAKER 18 :
But, yeah, it turned out to be the thermostat the whole time. Apparently it's a two-stage thermostat, and the first stage on the one I bought wasn't working.
SPEAKER 07 :
Yeah, that makes sense.
SPEAKER 18 :
Even though you spend money on high-quality parts, it's still made by humans.
SPEAKER 07 :
Yep, you're right. Absolutely.
SPEAKER 18 :
But I do appreciate you getting back with me and helping me think that through. Because at that point, I was like, man, do I have a blown head gasket? I kept checking things, and it never showed I did. But when your car boils at 210, it makes you worried. It wasn't ever letting the water through at all.
SPEAKER 07 :
That was my thought.
SPEAKER 18 :
It was just micro-heating that one piece of coolant.
SPEAKER 07 :
That's what I thought. Good. Good job.
SPEAKER 18 :
So, yeah, I appreciate your help.
SPEAKER 07 :
You're very welcome, Russ. Nope, not a problem at all. Appreciate the text messages. And, Dan, a monument. Go ahead. Sir, you've got a question for Roy and Dietze. Go ahead.
SPEAKER 16 :
Yeah, if we do ceramic coating, can you put wax over that, or what do you do to keep it up?
SPEAKER 26 :
So when you do the ceramic coating, it's replacing any waxing that you would do regularly. So you don't need to put any wax on it. And it's not going to bond to the ceramic coating because it's not made for that. So once you put the ceramic coating, you're good to go.
SPEAKER 08 :
Kind of a one and done thing.
SPEAKER 26 :
Yeah, it's like a one and done deal. You would have to just bring it back to keep up with the maintenance every year.
SPEAKER 08 :
Okay. You can wax it, but it's not going to do anything.
SPEAKER 26 :
Yeah, it's not going to do anything.
SPEAKER 16 :
Yeah. Okay. Is there a special way that you need to clean it? Do you have any idea what it would cost to do an Escalade?
SPEAKER 07 :
I'll answer that for them. Bring it to them. Have them take a peek at it, Dan, because some of it's going to come down to how much paint correction does it need. And I just had a text message along these lines where we were talking earlier about you need the right eye looking at the vehicle and so on. You might even have a few little dents that you can't see, but they can that they would want to PDR and take out before actually doing all of the work. Because when you're done, you want everything to be correct. Correct. So my suggestion is bring it into them, have them take a peek at it, give you an idea exactly at that point in time what it's going to take to get everything dialed in because you want to paint correct it first and do that correctly and then ceramic coat it after that. And they've got different options on how many coats of ceramic do you want and so on. So I would say just take it on in and have them take a peek at it.
SPEAKER 08 :
Yeah, if you apply the ceramic coating before, I mean, without doing any paint correction, it's not going to last. I mean, it's going to... It just doesn't work.
SPEAKER 07 :
It doesn't work. So if you've got guys out there, Dan, and there will be some out there that will try to sell you ceramic coating without doing paint correction and so on, that is the improper way to do it.
SPEAKER 16 :
Okay. And what about the... protective bras that are on the car.
SPEAKER 07 :
That's what we call the PPF, the paint protection film.
SPEAKER 26 :
Yeah, and the reason we don't call it clear bra anymore is because there's... You use it everywhere. Yeah, and there's WPF. We can go on the windshields. There's colored, quote-unquote, clear bra now, which is why we use the word PPF instead of clear bra now.
SPEAKER 07 :
Well, and for example, Dan, there's construction guys that want the side of the bed done because if they're moving tools in and out of the truck bed, they can protect the side bed. I've actually, in my studio here, I've got a little bit of PPF on the walls because the chairs try to nick the walls. We just had the studio painted not long ago, and I get tired of the chairs nicking up the walls, so I put some PPF on some of the corner of the walls in here. So point being, you can use the stuff in many, many places other than just the quote-unquote bra.
SPEAKER 06 :
It does work.
SPEAKER 07 :
It works.
SPEAKER 06 :
It works very well.
SPEAKER 26 :
And the difference between the PPF and the ceramic coating is the PPF is going to give you protection against rock chips, which the ceramic coating won't do.
SPEAKER 07 :
Correct.
SPEAKER 16 :
Okay, so if a clear bra is already on the vehicle. If it came on the vehicle, somebody put it on.
SPEAKER 07 :
They don't come on vehicles. Yeah. It got put on there by somebody.
SPEAKER 16 :
No, they put it on.
SPEAKER 26 :
Okay.
SPEAKER 16 :
Yeah, it was put on by the dealer.
SPEAKER 07 :
Okay.
SPEAKER 16 :
It's on a new vehicle. There we go. But does that have to come off?
SPEAKER 26 :
No, you can install ceramic coating on top of the PPF. Now, my question would be when the PPF was installed because the PPF usually has a lifetime between 5 and 12 years depending on which brand and when you got it done.
SPEAKER 16 :
Yeah, okay. No, it's only a year old.
SPEAKER 07 :
You should be fine with that then.
SPEAKER 16 :
I just didn't know.
SPEAKER 07 :
Yeah. No, and you can ceramic coat the top of that. Thank you very much. No, great question, by the way, Dan. Yeah, I know. The old name is Claire Bra. That's what everybody came to know because in the original days of doing that, that's all anybody did. Well, and pretty soon you started doing the nose and then the nose kind of grew to doing the whole fenders. And then guys started doing the outside of the rear view mirrors and they started figuring out, okay, wait, why can't we just do everything? Well, in some cases, there are some cars, you take some high-end exotics, They will PPF the whole thing. So you take like a new 911. Somebody went out and paid $250,000 for it. They'll PPF the whole thing just to make sure the entire thing is protected. So you can literally clear bra, quote, unquote, PPF anything you want.
SPEAKER 26 :
And you can even do color change with PPF. So if you have a white car and you want it black, you can.
SPEAKER 07 :
I don't know why you'd want to, but whatever. Some do. I get it. Some do.
SPEAKER 26 :
It lasts longer than regular vinyl.
SPEAKER 07 :
I get it. Or the people who want to do a color change. Yeah. Not you, John. And I get that because some people want to change the color of the car and so on. That's not typically me. But, yes, I understand. Some people like doing that. But no, I should make sure that I'm very clear on this. You literally can PPF the backside of your laptop if you want to.
SPEAKER 26 :
Yeah, I have the carbon fiber.
SPEAKER 07 :
Yeah, you think through the things that are out there that you would like to protect, and it's almost unlimited. Like I said, I've got a couple of spots in the studio that for the longest time we've been trying to figure out how do we protect the corners of some of these places we have in the studio. And so finally, after we got everything all painted, just recently I told Roy, give me just a couple of sheets. I'm going to cut them and put them on the walls in the studio. And I did that, I don't know, Roy, what, two months ago or so now? Yeah. And they're perfect.
SPEAKER 09 :
What about removing old, bad clear bra that's yellowed or cracked? Is that something you can do?
SPEAKER 07 :
We've got a minute. Go for it.
SPEAKER 26 :
Yes, you can remove it. It takes a lot of work. That's why I'm asking. And I do not recommend doing that yourself. You would definitely want to bring it to a shop because a lot can go wrong with that.
SPEAKER 09 :
I've done it myself and my fingertips don't, don't appreciate it very much.
SPEAKER 07 :
And for those of you listening, some of what can go wrong is if it's not done correctly, you could pull some of the paint off of the car itself.
SPEAKER 26 :
Um, I've seen, I've read on Reddit that they usually recommend doing like the eraser wheel, but you gotta be really careful with that. Cause you can erase too much. You don't want to remove the paint. So I would definitely recommend not doing it yourself. Take it to someone that knows what they're doing.
SPEAKER 09 :
Awesome.
SPEAKER 07 :
Well, and one thing I've learned from you guys as well is the quality of the film and the adhesive on it has a lot to do with how easy it comes back off. Am I correct?
SPEAKER 26 :
Yes.
SPEAKER 07 :
Okay.
SPEAKER 26 :
Yes. Some brands have stronger adhesive than others, and when you want to remove it, they'll bring the paint with it.
SPEAKER 08 :
I was just going to say that. I mean, when you're in the purchase of buying PPF for your vehicle, just make sure you're looking for a good brand. Good shop and a good brand.
SPEAKER 07 :
Well, and for all of you listening, I've got a few seconds left here. This comes down to everything else we talk about on this program all the time. You get what you pay for. There is something to be said about having the highest quality. And to have the highest quality, yes, you're going to pay more money. to make that happen. There's all sorts of deals that you'll see out there when it comes to ceramic coating and PPF and so on. And the reality is, yes, there is a big difference between the low end versus the high end. So, guys, we're going to call it a day. Josh, Justin, both of you guys, thank you so much. Yeah, thank you. Appreciate you. Roy Dietze as well. Thank you guys also. Thank you, John. Charlie, Larry, thank you guys. Thanks, Larry, for answering calls today. We appreciate that very much as well. Don't forget, you can always go to our website, drive-radio.com. Find all the things that we talk about, even past episodes there as well. But that's it for today, guys. Have a great rest of your day. Stay safe this week, depending upon what the weather does. This is Drive Radio, KLZ 560.
SPEAKER 22 :
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 of Fix It Radio, the hosts tackle a crucial topic: preparedness for disasters like wildfires and the importance of insurance coverage. Learn valuable tips on creating a comprehensive home inventory, ensuring proper policy coverage, and avoiding the pitfalls of underinsurance. From video documentation to the nuances of renter's insurance, this episode is packed with actionable advice to help you protect your assets and stay prepared. Plus, insights on how policy changes may affect you and why a good relationship with an agent is key.
SPEAKER 01 :
Walter? Upstairs! Are you alright?
SPEAKER 03 :
In the floor behind the chair. This is America.
SPEAKER 01 :
Does everybody know what time it is? Fix It Radio.
SPEAKER 10 :
and it is that time fix it radio klz 560 myself larry unger charlie grimes and today is january the 11th so uh happy january 11th one of my son's birthdays today so happy birthday happy birthday yes appreciate that as well and for those of you listening to us on tuesday on the replay thank you for that as well now i am going to start off and talk about some things related to the fires in california i did some of this ready radio yesterday as well for some of you that listened to that it might be a little bit of a duplicate but I thought you know it's a big enough topic that given everything that's happened out there and it's at the top of people's minds right now we should probably go ahead and cover a few of those things today Larry when it comes to just insurance and different things along those lines and as I said even yesterday you may not realize it or really care, but what's happening out there will have a direct effect upon all of us when it's all said and done.
SPEAKER 09 :
It always does. In the insurance industry, whenever you have a major catastrophe, it's shared throughout the country.
SPEAKER 10 :
Yep. So be prepared as much as possible for these things as you can. We'll try to get into some cold weather things as well because we've had some snow this past week, potentially more snow coming possibly later this afternoon and then more even this week ahead. And for those of you that think winter is over... Not even. It is not. We still have a lot more to go, so we'll talk about some of that as well. But on the insurance front, and this is something that we've talked about a few times in the past, but first things first, and this doesn't really matter what policy you have, although we'll get into the policy end of things in a few minutes, but first things first, everybody now has cell phones with video. Yep. Very few don't. And if you don't, you probably have a video camera kicking around or something. But whatever you have. Easiest thing to do to inventory what you have and own is just get your camera out and start walking around. So start it however you want to do it, whatever room you want to start with. I would video each individual room. And what I mean by videoing the room, not just standing in the room and panning the camera around, but literally going up to each individual thing that you own, opening cabinets and drawers and things along those lines. The biggest thing is so that if you ever have a total loss... you now have the ability to go back and remember, oh, yeah, these are the things that I had.
SPEAKER 09 :
Well, it's also proof to the insurance company of what you do have.
SPEAKER 10 :
That as well. So this goes into the policy, which I'll get into a little bit later in today's program. Each insurance company handles that end of things a little differently. My point is, number one, just go around your house. Get your video camera out. You can also take pictures, I guess, however you want to do it. But video is easiest because you can just click the record. Yep. And it's super simple. And you can talk through it. You can explain things. Yep. You can say, well, you know, these are things that I just purchased or these were purchased. a year ago, or this is an antique, or whatever. This has been handed down for generations, whatever. And this includes anything you would have on the wall, your furniture, again, inside of cabinets, some of you that have maybe fancy stereo AV systems, things along those lines, security systems, your computers, and coin collections, or any... Your closets, coin collections, clothing. Some of you may have family heirlooms that have been passed down. Could be watches, could be coins, could be whatever. You could have a very nice gun collection. Now, one thing I want to say, and I'll throw this out for Burke Payne at BP Appraisals, if you've got any kind of classic car or gun collection, my advice would be get that appraised. Yes. Because once it's appraised... you really don't even need all your pictures they're nice to have and it wouldn't hurt but having an actual literal here's what a professional appraiser said and then again we'll get into this in a few minutes making sure you're insured for that because sometimes those things are excluded from you know the guns especially might be excluded from a regular policy that's another conversation we'll have in a little bit but bottom line for some of you that have some of these collections probably should have an actual appraisal on those items done. Now, also throwing out for Burke Payne at BP, if you have any kind of a accident where there's some diminished value and things along those lines, you may very well need him to help you along those lines as well so this isn't just for the estate side this is in a lot of cases even on day-to-day things which i can talk about more and drive radio but burke's really good about helping you with the official quote-unquote value of things and then you can proceed accordingly well and thinking of that john how often should you do an appraisal Well, I think what Burke would say is probably every five years or so, unless something significant in the market has changed. So, for example, this gun collection. We'll use that as an example. You've got a really decent gun collection. Some of them maybe have been heirlooms handed down and so on. And market changes everywhere. It does with classic cars. It can with certain antiques, guns, and so on. Well, all of a sudden, maybe you're checking a few of the items that you have, and you notice that, wow, Something in the markets happened because the demand has really gone up for this particular weapon that I own, and it's now worth double what it once was. Okay, that's where that would be worth talking to Burke, saying, hey, I've been watching this. I know this is in my collection. I know we appraised it two years ago, but it looks to me like it's really changed in value. All you do is call him and say, hey, here's my thoughts. What do you think? He'll tell you what to do. There you go. So to your point, though, Larry, yes, it's not a one and done. Right. You need to keep up on these things if you want to have them insured and handled correctly. But back to the whole take an inventory of your home. And for a lot of you guys that listen, that even have things out in the shop, tools, things along those lines, really important to get that video camera out and go through your entire house. and literally record everything you own. And then for most of you, those things can be stored in the cloud. As long as you've got your phone or computer, you can typically retrieve those. You could download that onto a flash drive and put that in a safe place or another family member's, whatever you want to do. There's all sorts of ways to handle that. Anymore you put those videos up into the cloud, typically you'll be able to retrieve those about any time you want to. And I am guessing that right now today, There's a lot of folks out in California that probably wish they had done what I just said and hadn't. And I said this yesterday, when you have a total loss, it's a game changer. I've been through it. So total loss means everything's gone. And you saw some of the pictures from what happened out in California. I mean, literally, it's ashes. Maybe you can see a foundation left of the home, and that's about it. And I had a similar experience to where literally you walk up on the house, Things might still be smoldering, which was the case for me. And you can't hardly recognize anything because literally everything is gone. Those fires get so hot. I think I've told this story before, but I had a couple of snowmobiles parked in my cabin. And it got so hot, Larry, that you couldn't find any single remain of those snowmobiles. Really? Nothing of the engine. I mean, you would think that you'd even see a crankshaft or something along those lines left when it was all said and done.
SPEAKER 01 :
Nothing.
SPEAKER 10 :
Wow. It got so hot, it actually scarred and melted the concrete. That's how hot some of those, in our case, that's how hot the fire got. And I guarantee you some of what you see in California is the same way. So people that think that, oh, well, you know, I'll still be able to build on top of the foundation. Maybe not. Maybe not. So, again, make sure you have a really good inventory. of all of the things that you own just walk through your entire house and don't leave a stone unturned because remember what you're what you're i'll get into the policy into this in a moment but you're insuring for all of your personal belongings that includes shoes if you have an extra pair of shoelaces If you've got, you know, clothing, belts, I mean, your personal items, you name it. I mean, all of those things is what you're ensuring and you want to be made whole of when it's all said and done.
SPEAKER 09 :
And some of those things may not be strictly of value, but it's sentimental value to you. Well, there's still a replacement cost.
SPEAKER 10 :
Exactly. If you can't replace them. I'll be kind of maybe silly here, but some of you may be Costco shoppers and you buy some things in bulk. Okay, maybe you just got done buying a six-pack of shaving cream or something along those lines.
SPEAKER 01 :
Yeah.
SPEAKER 10 :
You want to be made whole on those things because you've invested that. It's now all burned up and gone. And you want to make sure you get your replacement cost back out of that. And you don't know unless you do what I'm saying. Right. There's no way to know. And this is the other thing I will say. No matter how well insured you are, you will still not come out a winner. Because of the time factor it takes to even get everything handled, you will not come out a winner.
SPEAKER 09 :
Well, and how long did it take you to get your settlement done? A year. A year. That's the point.
SPEAKER 10 :
A year. Yep. So you're dealing with all of this during that entire time, and I will tell you that in our case, we were fortunate. We had good video, had the ability to piece everything together and so on, and it made things way easier having all of that, and that was a real lesson learned, and make sure all of you that are listening, you do the same thing. So first things first, run through, take inventory of everything, and don't forget the outside things.
SPEAKER 09 :
Right.
SPEAKER 10 :
Garden hoses, garden hose fixtures, planters, planter boxes. Sheds. Sheds, patio furniture, on down the line we go. Real barrels, tools. All of that. Some of you have the she shed and things along those lines. Make sure you're getting all of that stuff captured because all of that hopefully is insured. I'm going to talk about the policy part of this. here in just a moment, but you wanna make sure that all of those things are insured, insured properly, but now you've gotta back it up as to what you actually had in your home, as far as your personal belongings go, personal property.
SPEAKER 09 :
That's why, as you say, I had a neighbor whose house got broke into. And when he tried to explain to the insurance company what was stolen because he didn't have any pictures of anything, he couldn't prove it. And they were very reluctant.
SPEAKER 10 :
Well, and a lot of that is because there's insurance fraud now, as we know.
SPEAKER 09 :
Sure.
SPEAKER 10 :
Where people will claim they own something that they, frankly, didn't. Right. And... That's where having a good relationship with hopefully your salesperson, in our case, you know, Paul Lewenberger is a great friend of mine and one of our advertisers. So you have a good relationship with your agent, have the right policy written for you. If you've got collections and things like that, having the right writers in your policy to handle those things as well. And every insurance company does those a little bit differently. Some may include a certain amount of those items. We'll take the gun collection, for example. Some may give you a certain amount of coverage for guns, but anything over that has to have a separate rider. Some may not cover them at all. Some might cover your wife's jewelry. Others may not. I mean, every one of these is going to be a little different. And that's where, in the insurance world, it's not a one-size-fits-all. Just like we talk about the roof thing. With Dave Hart from Roof Savers of Colorado, not every policy is the same when it comes to the roof aspect. And I can just tell you right now, by the way, that's also going to change. Yes. We talk to him about that constantly, but with what you're seeing happen in California right now, trust me, it's going to tighten up in a lot of areas, Colorado included, even when it comes to hail damage and things like that. They will be changing the way they reimburse for all of those things. And what's happening now in the trend in the insurance world is they're looking at your house. Let's say it was built in, I don't know, we'll say 2020. So now your house is 25 years old. So if they feel like the roof is 25 years old, guess what? You're probably not going to get much out of that if there's a big claim because they know the life expectancy is about the end, is near end anyways. So unless you can get Dave out, do some sort of a roof max treatment where he's extending the life of that and he's certifying that, hey, yeah, this roof is good for another 10 years. In other words, it's only at half life right now, something along those lines. And you've got proof of that from somebody like Dave that can show the insurance company this is where things are at. you're liable to not get any coverage on that. So these are things that as time goes by, and we'll have more shows along these lines, those are things that, trust me, out of these, between hurricanes and fires and so on that have happened this last year, you're going to see insurance companies change the way they do some of these things. Point being, you don't want to be caught empty-handed.
SPEAKER 09 :
Right. That's one of the things Dave can do for you is even if he doesn't do any preparation on the roof, he can give you an estimate value and condition of that roof structure.
SPEAKER 10 :
Correct. Point being, Larry, just on the roof side, I think what you're going to find, and we could do a whole show off of this, even on people buying and selling homes and so on, I think gone are the days where the insurance company just comes in, writes a check for a complete roof replacement. You as an owner are going to be on the hook now for a certain percentage of what's going on there. And frankly, Larry, there's going to be some people that don't have the ability to to make that extra step. So say the roof cost is 15 and the insurance company is covering five. They're not gonna have the 10K to make that happen, meaning I don't know what happens with the roof at that point. My point is I think you're gonna see roofs get in worse and worse shape as time goes by and or you're going to need to use people like Dave that can keep your current roof quote unquote running longer do the maintenance on it, spend a little bit here and there versus one big chunk, much like we talk about on Drive Radio with your cars, keeping that maintenance up on it, which most people don't know you can do on a roof, but you can, and by doing so, extend the life of. So those are things that Dave at Roof Savers of Colorado can help you all with. But that's the first side of it with the insurance. I'm going to come back in a moment and just talk about the policy end for a few minutes. But bottom line, take inventory. Make sure you've got everything handled as far as that goes. A lot of things, you know, that you might use daily, you just forget about. It could be everything from, I don't know, Larry, you know, just miscellaneous items that you don't even think about that you own that all of a sudden it's gone and you realize, oh, and by the way, here's the other thing that happens in these things. You realize about a year later that, oh, crap, I had such and such and, yeah, it got burned up.
SPEAKER 09 :
Yep.
SPEAKER 10 :
suits, ties. All sorts. You name it. Socks, underwear, on down the line we go. So don't forget any of those items. Make sure that you catalog all of those. Take a nice video of them. And for some of you that are a little bit more particular, if you want to, start a spreadsheet. Have all those things dialed in as you acquire new things or old things go. Good point. Adjust your spreadsheet accordingly because trust me, if there's ever a total loss and you've got all that already dialed in, it makes things much, much easier. So All right, we'll come back. I want to talk about the policy end of things in just a moment because you're going to find that even in California, you're going to find a lot of those folks out there, unfortunately, are underinsured. Even though a lot of them are very wealthy, you're going to find a lot of those properties were not insured properly, and we'll talk about that in a moment as well. So don't go anywhere. Fix-It Radio, website fixitradio.com, KLZ 560.
SPEAKER 03 :
Do you have more month than money? The cost of everything is going up, except your income. How about some relief? Take AIM, Affordable Interest Mortgage, 720-895-0500. Do you have a great rate on your first mortgage, but household debt is swallowing the rest? Rates are falling. Lower your monthly debt $700 to $1,100 a month. Call AIM, 720-895-0500. When you lower your household debt $700 to $1,100 a month, you are still able to pay off your home in the same time frame, sometimes even faster. Let our 23 years of experience help save you money. Remember, saving interest is money in your pocket. Take AIM, 720-895-0500. Tired of paying high interest rate on your credit card debt? Think about it. Bills paid, money in the bank, less stress. Affordable Interest Mortgage, 720-895-0500. Give yourself a raise and keep more of your money. That's 720-895-0500, where it's all about you. Regulated by Dora and MLS, 217-147-EQUALCREDITLENDER.
SPEAKER 01 :
Looking for top-notch home, auto, classic car and business insurance? Look no further than Paul Leuenberger. Paul is now an insurance broker with access to industry leaders like Hartford, Travelers, Safeco, Liberty Mutual, Nationwide, Allstate, AIG, Chubb, Pure, Berkeley, Grundy, and Hagerty. Paul has you covered. Paul is also proud to continue his work with American National for all non-property insurance needs as well. Paul Leuenberger now serves Colorado, Wyoming, Arizona, Nevada, and Texas, with more states on the way. Paul's mission is simple, to connect you with the right coverage at the best value. Are you ready to protect what matters most? Call Paul Leuenberger today at 303-662-0789. That's 303-662-0789.
SPEAKER 06 :
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 leaves the industry in cutting-edge technology backed by more patents than any other repair and replacement company 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 Autoglass.
SPEAKER 10 :
All right, we are back. Fix-It Radio, KLZ 560. Okay, let's talk policies for just a moment. I got a message from Dave Hart just a moment ago from Roof Savers of Colorado where we were talking about things are going to be changing when it comes to insurance and so on. He's like, John, it's already... happening it's here so and it's gonna do nothing but get worse so so yeah trust me folks Dave is in this stuff knee-deep every single day it's happening don't be that person make sure that you know on the front side what your policy is covering again Dave has a way to renew your roof extend the life of I'm living proof of that he's done it with mine and we'll monitor and watch it when it's due again we'll do it again and my goal is to not have to put a roof on at all if I can I Do my very best not to. I kind of look at that like paint on the car. I don't want to mess with it if I don't have to. So if I can keep that up there as long as possible, I will. And the RoofMax product that he puts on and treats and renews the roof, yeah, folks, it does in fact work. If you haven't had any experience with it, call Dave. Have him give you a little demo on it. He can give you a roof inspection at the same time, which, frankly, you should be doing on an annual basis anyways. I think every roof should be inspected most regularly. are not. So back to the insurance side. And again, all of Dave's info is on our website, fixitradio.com. Just give Dave a call and he'll take care of you. All right, the policy. This is where it gets really dicey. So first thing I'll tell you is don't buy your policy online. Okay, just find a good agent. We have Paul Lewenberger that we work with here. Great agent. He's a broker now. He's got about six or seven different companies he can put things out to to try to figure out what works best for you. And he's got the ability to know what your needs are and then fulfill those needs. The robot online doesn't know you. Doesn't care. Doesn't care. Doesn't know your needs. You might be clicking all the right boxes, but are they the right boxes? Are you getting the right coverage when it's all said and done? And if you're just doing it to make sure the mortgage company is satisfied, well, you know, to each his own, I guess, you know, more power to you. But typically, you're underinsured when you do that. The mortgage company might be happy. Well, sure. And you may get them paid off if there's a total loss, but then you're left holding the bag and you have nothing left when it's all said and done. Don't be that person, which, by the way, our fires even here in Colorado up in Superior and Louisville, some of those people found themselves in that exact same position. They were so underinsured that when it was all said and done, they had to literally go find a new place to live. They sold off their lots, and they had no ability to rebuild where they had been at one time. Don't be that person. Give yourself options. And what I'm saying, and I said this yesterday on Ready Radio, is what we want to be able to do with insurance is, number one, be made whole when there's a total loss like this, which when you're made whole, you have a lot better decision-making power as to what do you want to do next. You may not want to live in a place that everything's been burned down. You may want to rebuild the house differently than it was before. You may want to go to another state. I mean, you have all sorts of options when you've got a nice fat check from the insurance company because you did all of your diligence on the front side like we're talking, and you end up being made not only whole, but you're coming out just great because now you can go out and buy new things for what was old and so on and so forth. So my point is at the end of the day, you might actually – houses are never fun to lose but financially speaking you may come out ahead when it's all said and done than you were prior if in fact you're insured properly right most don't find themselves in that position it's the opposite they typically come out thinking oh man how in the world are we going to make this thing work because we don't even have enough insurance to rebuild right and then here's the other thing that happens people get mad at the outsiders That come in and buy up the lots and build another house, and the developers that come in and buy a lot and build up the house, and everybody gets mad at those people, but yet they're not the ones that they should be mad at. Who you should be mad at is the person who was underinsured that caused that to happen in the first place. Right. Because the developers come along and just buy up what somebody else can't afford to rebuild, and it's not their fault. They're just taking the opportunity that's in front of them and running with it, which I'm not blaming them for that. Nope.
SPEAKER 09 :
But that's where your insurance agent comes in. If you have a decent insurance agent that you have worked with, He'll make sure that you're taken care of in those areas so you're not at a loss.
SPEAKER 10 :
Yeah, and I said this before many times. We don't want to be insurance poor, meaning that we spend so much on insurance we don't have any other money. On the same token, you want to make sure that you're properly covered, and that's we're having a relationship, to Larry's point, with an agent like Paul where he knows you, he knows your budget, he knows what we really need to insure for and so on. he can set up a policy that will work for you. I had a good question that came in yesterday on the text line asking, how do you know what replacement costs are? So we were talking earlier about the she shed, or you might have a pole barn. Some of you listening have pole barns and outside buildings and things like that. How do you know what those real values are? Some agents, Paul, for example, can help you with that and tell you what some of those values are. There's construction per square foot pricing that's out there that most of them can look at and say, well, based upon your current home, and its current um quality let me say it that way because there's a big difference between a construction grade house and a custom house right so depending upon where you lie with that might depend on the square foot price but based upon that you can get pretty darn close as to what a replacement cost is based upon a per square foot price now keep in mind if you've got a construction grade you know contractor grade home and you insure it, and you go to rebuild it, and you want a custom home, that ain't gonna work. Not exactly. No, not exactly. That ain't gonna work. Now, I don't know what the rules are, nor would I suggest doing this. I would not insure a construction-grade track home for more than its value to replace because if you do that, number one, I'm not sure how that works on the insurance side. Number two, I don't know that you'd want to put that back in the same neighborhood because now you're probably overbuilding for the neighborhood, and I don't think that works out real well either. So you really need to insure like for like. But for some of you that are listening, you live in some custom home areas. You live in areas where your per square foot price is going to be double that of what somebody is in a track home situation. So you really need to watch that. All insurance policies are a little different. They'll handle some of that differently. This is something you've got to be aware of as well. Some policies will allow you to do code upgrades. Some will not. some fall short in that area so those are all things again that you need to look at if you've got a home for example that was built in the 70s it is not going to be a code that i can assure you because the code in 70s is way different than the code today in 2025. And so if you go to take that home and rebuild it, your per square foot price just because of the code upgrades is going to be different.
SPEAKER 09 :
Oh, much different.
SPEAKER 10 :
So those are also things that you've got to factor in. And these are things that, again, agents like Paul can help you with and make sure that you've got the right replacement value, code upgrades, and so on to handle all of that. Because the majority of homes will need code upgrades unless it was just built. Yep. The code changes annually, electrical, plumbing, and so on. That stuff changes annually, and highly doubtful that any of you living in a home today are up to code, according to the new code. You're at code of what was built, but it's not code as of today. For example, we've talked about this with some others in the past. Kitchen Islands used to be able to have a plug in the Kitchen Island on the end. Yep. New code is you can't. Yep. So those are the things I'm talking about. Things change in the code, and right, wrong, or otherwise. It's just things that change. And if you go to rebuild, things have to be to code or you won't pass inspection. Because people also forget, Larry, that when you go to rebuild, there's a whole process of now you have to have engineering plans and all of your construction plans and everything has to be approved by the city and you've got to get a building permit and, and, and, and, and. And then you go through the whole process of building, and you have to have your inspections done, and the city inspector has to sign off on things, and, and, and, and, and. Everybody thinks just go pop a new house up. It doesn't work that way. The other thing that happens, you've got to make sure that you're covered in your insurance policy as well, is how long are you going to be out of the house? So Larry and I just talked a moment ago that when I had my cabin loss up in Granby, it took me a year to get everything settled with the insurance company. So if that had been my primary residence, where am I living for that year? And keep in mind, rebuilding, even once I decided what to do, could have been another year, year and a half after that, meaning you could have been out of the house for two to two and a half years.
SPEAKER 09 :
No, there's still people out of the house. They can't rebuild because they're waiting for...
SPEAKER 10 :
equipment or whatever you look at i drive through that lewisville area quite often and i said back then i wasn't trying to be you know negative about things but i said back then it'll be 10 years before this place is back to normal i wasn't far off because there are still a lot of empty lots and places that have not even been started to rebuild in that area yeah there's a lot of new construction things going up but keep in mind as well there's only a certain amount of carpenters running around to get things done
SPEAKER 09 :
And material.
SPEAKER 10 :
Everything else. So the supply chain. So when we, like California right now, it will be, and I don't think I'm exaggerating, it'll be 10 years before that's back to normal. By the time you get everything redone, most of those were custom homes. Get in line, by the way. Yeah. We already know in the trades there's not enough people to even get all of that stuff done. The cleanup alone will take months, probably a year, just to get everything cleaned up. with people coming in and loaders and tearing out foundations. Because I can tell you right now, those fires were hot enough, they need new foundations in the whole nine yards. So you've got to haul all that stuff off. That's the other thing, too, in your policy. Make sure you have enough cleanup costs in your policy. As I said yesterday, loaders, equipment, dump trucks, none of that runs for free. The landfill, they don't let you dump for free. a lot of that is environmental hazardous waste now that doesn't get dumped for free so my point is it can be extremely expensive i think when mike with uh... i could go back to look at my receipts but i believe in my granby house which was not a very big house all just cabin The cleanup costs alone, granted it was in Granby and you had to truck some things off, and this is where they actually had established a site where you could dump for a lot less money to help a lot of the people in the fire area out. But I believe, Larry, my costs, insurance company paid, but I believe my cost just the cleanup alone was $15,000. Didn't surprise me a bit. So just the cost to have everything scraped and hauled off, not foundation taken out. Just taking everything off the top of it and hauling it off, the debris and so on, not clearing any trees, anything along those lines. Just that bare house, hauling it off, 15 grand. So for a lot of you that are listening, make sure in your policy that you have enough coverage for those things. Because if you don't, you're writing the check. You have to be the one to figure that out. And some of you listening say, well, you know, my house is all paid for. I just carry liability. Okay, fine. That's great. I get that. If you want to self-insure, that's fine. Can you handle everything I just said? financially speaking, if something were to, you know, because it's not just the per square foot to rebuild that you look at. It's all of these other things I just said as well. So my point is with what's happening in California, it's a friendly reminder to all of us, especially us in Colorado, because we have fires here as well. We've experienced some of the same things California has gone through. Some of you that live in the mountains can experience this more often than others. Although people in Superior and Louisville, I guarantee you, I guarantee you, never thought their house would burn to the ground from a wildfire. Yep. If you would have asked them prior to that, what's your chances of your house burning to the ground because of a wildfire? They would have laughed at you. Well, that'll never happen. It's just field grass. How in the world would that burn my house down?
SPEAKER 09 :
Doesn't take much once you get the wind kicking up.
SPEAKER 10 :
Once the wind kicks up, and as I said yesterday... Oxygen or fire seeks oxygen. So here's what happened. And this is a misconception, I think, that's out there. And again, I only know this from from experience. Fire seeks oxygen. So when this wildfire is going on around the house. Again, that fire is ravenous. it is looking for oxygen it knows it can't continue to burn without oxygen so the minute a window or a door opens or something along those lines happen window breaks most people think well you know it starts on the roof and then it burns through um sometimes but typically no what you're typically going to find and if you can look at some of the videos of where the fire is actually you know raging A window breaks, the fire jumps inside, and the house burns from the inside out. It's typically not the outside in. That big air box called your home is what the fire is seeking. So the minute that that ember, that fire, can jump through something inside the home, it now is like oh holy cow here we go again and then all it does is jump to the next one to the next one to the next one to the next one you saw what happened in california and it literally burned block after block after block and some of those people there probably thought they were far enough away from even some of the The open space area, the brush and so on, that would never have any effect on them. I've got a lot of nice green trees. I've got green grass. The chances of that happening, when the fire gets that hot, as you can see from some of the pictures now that are out on the Internet, all bets are off.
SPEAKER 09 :
Green foliage doesn't mean anything.
SPEAKER 10 :
You know, because it turns to tinder in a second. That fire gets that hot, it just devours it, Larry, as you can see from the videos. And so my point is a lot of people think that's never going to happen to me. And by the way, we hope it doesn't. Pray that it doesn't. Although I will tell you, I never thought it would happen to me either. But it did, and it can, and the reality is you need to make sure you're prepared on the insurance side, make sure you're made whole when it's all said and done. And again, I go back to the personal belongings end of it. A lot of policies handle that differently depending upon the policy. What I mean by that is some of them will make you take an inventory. Some of them will make you have receipts for some of the things you have bought of late. Some of them... All sorts of stipulations. And you can check what those requirements are on the front side of the policy before you even agree to go with that particular company. And it's very valuable to do that. Now, one other thing, too, that most companies will not do. I think the only one that does, and Paul Leuenberger now sells this, is Chubb. No one covers landscaping. Not to my knowledge. So if you've got a bunch of old mature trees and they're all around your property, which by the way, get very, very expensive. Just for example, a very mature spruce tree, Here in Colorado, couldn't be 20,000 bucks. And I'm not exaggerating. So count, some of you that live in some of the older areas where you've got some very mature trees and things that are around you, count some of those up, realizing that if you ever had a fire and a complete loss, you're putting saplings back in. Because you won't be able to afford to put back in what you had. And there's only, I believe, chub that will insure the landscaping, and it's costly. If you really want to do that, again, you can buy insurance for anything. I said this yesterday. But you have to pay the premium, and there's a cost to it, and most don't. So that's the other misconception. People think, well, I've got all these trees and this, that, and the other, and the insurance company owes me. No, they don't. They might replace your fence and do a few things along those lines, but they are not replacing your shrubs and your trees and your this and your that, and no, that is likely not in your policy. So those are other things that you need to look at that people get real bent out of shape when there's fires because they're seeking – you know damages and some of this I know because even you have a tree that blows over for example if it blows over on the house they'll fix the house you're not getting a new tree that's right not happening another to clean up the tree either you you better make sure again every policy is different depending upon the company that's writing it and it's going to tighten up trust me with everything that's just happened in California so point being get with Paul review your policies Make sure that you're all dialed in, and you should do that on an annual basis anyways. And if those of you that are listening on Tuesday to the replay, please make sure you're reviewing all of these things. The last thing I would ever want to see happen is, number one, somebody having a total loss, but number two, having a total loss and then not being made complete afterwards.
SPEAKER 09 :
Right.
SPEAKER 10 :
Because that's now on you, not the insurance company.
SPEAKER 09 :
Well, and that's one of the things that Paul is very good at. He will annually, when your policy is renewed, will go through your policy with you and make sure that you're properly insured.
SPEAKER 10 :
Correct. And again, as I said earlier, most are underinsured. You're going to find that even out in California. Joe, what's going on?
SPEAKER 08 :
John, going back to trying to buy homeowners insurance online. Just don't. No, no. And here's one of the ways you'll get burned very badly. When you talk to your insurance agent, one of the questions they'll ask you is, how big of a deductible do you want?
SPEAKER 1 :
500, 1,500, 2,500?
SPEAKER 08 :
When you apply online, there's no question about your deductible. What they do is they'll put in a provision. They'll never ask you, but they'll simply default it to something like 3% of the structure value. So if you have a $600,000 home, 3% of 600,000 is 18 grand. So if you lose a roof, you're going to pay for 90% of the replacement cost of that roof because you didn't realize that you signed up for a 3% deductible.
SPEAKER 10 :
And that's just one of, I mean, there's a bunch of other things about... And really quick, Joe, along those lines, I told people this on Ready Radio, and I want to add this today while I'm at it. A lot of you are thinking, man, John, everything you're talking about is going to raise my rates. No, because here's the other thing you can do. Get the highest deductibles possible in a lot of the areas where you know you can self-insure, so at least, Joe, if there's a total loss, you're made whole. I can handle the little things. It's the total loss. I don't want to be out.
SPEAKER 08 :
True, but how many people are prepared to pay $18,000 of a $22,000 roof replacement?
SPEAKER 10 :
Most are not, but if you were smart, you'd tuck a little money away each month into a little fund, and you'd have the highest deductible possible so that when those times come, Joe, you're not spending too much on insurance, but you have the money yet to do that. You've got to be disciplined.
SPEAKER 08 :
And if you've got the financial – discipline and surplus income to do that, but of course... Most don't. Most don't. And by the way, I just got a credit card notice from a department store. You know what the... It was a notice of the increase in the... You know what the annual credit card rate on... And this is for big name department. You know what the new APR is?
SPEAKER 10 :
28 to 32?
SPEAKER 1 :
34%.
SPEAKER 10 :
34. Okay. So I was off a little.
SPEAKER 08 :
So my point is, if you're putting money away... you know, for like a big deductible, but you're carrying a credit card balance, you're not doing yourself any favor. No.
SPEAKER 10 :
You know, if you had... No, pay those off first.
SPEAKER 08 :
Pay those off first. So, I mean, so if you're in a situation where it's, you got all your, you're not carrying any credit card debt month to month, and you've got excess money, put, you know, go ahead, you know, put it in a CD or something.
SPEAKER 10 :
well and i said this yesterday to joe the other way you can save money on insurance but again you've got to be disciplined have a little money set aside to handle it but those of you that are car insurance everyone's class replacement because you get that pit you want a new windshield those are getting very expensive now it's not uncommon to have a you know two to three thousand dollar windshield replaced joe but one of the easiest ways cheapest ways or easiest way, I should say, to save money and have a cheaper policy is waive the glass policy on your auto policy. You'll save a boatload of money, but put some money away for a windshield and or fix them as they come along.
SPEAKER 08 :
Exactly.
SPEAKER 10 :
And Joe, these are things that the Internet, going back to your initial comment about buying online insurance, they will not teach you any of the things you and I are talking about.
SPEAKER 08 :
Yeah, and again, they've just taken the whole question of, How big of a deductible would you like? They don't even ask anymore. They just tell you this policy has a 3% structure value deductible.
SPEAKER 03 :
Right.
SPEAKER 08 :
And most people don't even read the fine print. I mean, it's buried in there, John. There's probably 2,000 words in the policy, and somewhere in there, if you get to the paragraph about deductible, it'll tell you 3% of the structure value. Mm-hmm. And you don't even know that you just signed up.
SPEAKER 10 :
Joe, I would venture to guess, and I guess I'll ask you this, how many people actually read their policy, not even the fine print, but even the larger things about here's the structure, here's the personal belongings, here's this, here's that. How many people do you think even read that?
SPEAKER 08 :
I'm going to say 10%. And it's called the declarations page, John. And I'm going to say 10% maybe. But what's your guess?
SPEAKER 10 :
You're probably not far off. 90% don't. Yep. Yeah, I would agree with you. They have no idea. All they know is they're covered. The mortgage company is now happy. They're going to go ahead and make their monthly payment. Escrow is paying that, and that's all they care about.
SPEAKER 08 :
Right. And things that aren't covered, we've talked before. If you have a gun collection, your gun collection is not covered. furs aren't covered, jewelry's not covered. Yep.
SPEAKER 10 :
So heirlooms, things like that, you know, those are typically going to require additional riders. And again, I have to be careful when I say that some policies, depending upon the policy, Chubb, for example, Joe, I guarantee you that Paul can put a Chubb policy together that could probably cover the majority of what you and I just talked about all under one policy, but that's Chubb. Chubb meaning not cheap. Right?
SPEAKER 08 :
Right, not cheap.
SPEAKER 10 :
And by the way, for all of you listening, Chubb is a great insurance company. They are very well known for covering things most anybody else won't, but you're going to pay for it.
SPEAKER 08 :
Yes. And, John, I know we talked about this before, but I heard you talk about earlier about, you know, documenting what you have. And, again, taking a video, because, number one, I guarantee you, if I had to list, everything in my house, you know, personal property, I would be lucky to come up with 70% of it. And then second, in terms of proving to the insurance company that I had $3,000 worth of tools, you know, the first thing they're going to say is prove it. So when I take my homeowner's video, I do floor by floor. I also annotate it. Like I'll say, okay, this is a 65 inch Sony TV purchased, you know, July of 2020. So it's not just enough to take the video. They're going to say, well, you know,
SPEAKER 10 :
If you're really smart, and I know this is tedious and most won't do this, but if you're really smart, you just keep a running tab spreadsheet on these things, Joe. At least the large items.
SPEAKER 08 :
At least the large items. But even then, if I say, well, I've got 12 dress shirts, and dress shirts these days are, what, $30, $35 a piece? They're going to say, prove it. I've got 10 pairs of slacks. Prove it. Well, I've got a picture of my closet I haven't worn. I've got sports coats, dress shirts. And it may not seem like a lot, but you start talking about $1,000 worth of clothing. My wife's closet, by the way, I bet you if she had to replace everything in her closet, we're probably talking five grand easy to replace her clothes. But could I document what those $5,000 worth of clothes were? You know, without some sort of... Yeah, right.
SPEAKER 10 :
Good point.
SPEAKER 08 :
Couldn't possibly do the same thing with shoes and boots. And, you know, what are shoes and boots these days? $50, $100 a pair?
SPEAKER 10 :
Yeah, well, depends on what you're buying, as you know.
SPEAKER 08 :
Depends on what you're buying.
SPEAKER 10 :
I mean, Joe, there's women's shoes out there that are $1,000 plus. So what are you buying?
SPEAKER 08 :
And that's where the video comes in handy. And I think I've told you the story. My parents lost the house, vacation home, 30 years ago. And for years after the fire...
SPEAKER 10 :
be sitting around and she'd go and she'd go oh crap that's another thing we forgot to put on the claim they were remembering stuff oh joe i'm still doing that with my cab and it just is what it is you know and i did pretty well at having video and all of that on it and i thought i did a pretty good job of the inventory side but there's just a little piddly thing and not not huge value but it's just like oh crap yeah i forgot that was there i forgot to put that on the claim yeah so Yep.
SPEAKER 08 :
All right, John.
SPEAKER 10 :
Joe, as always, I appreciate you, man. Have a great rest of your day and weekend. And, yeah, folks, again, I cannot stress enough. And I've said this before, but I want to close with this before we move on to our last little segment when we come back. Having something like this happen is very emotionally stressful as is. I mean, I sympathize with the folks in California because I've been there and it wasn't even my primary home. And it's still very emotional when you lose that much, when you have a total loss like that. Doesn't matter if it's total on a car or your house burns to the ground. It's very emotional already. Your mind is whirling. There's a thousand things going through it. How are we going to do this? How are we going to do that? How's this going to work? How's that going to work? Where are my kids going to go to school? On and on and on. The last thing you need is to be worrying about, was I insured for enough? Yep. So my point is, when you have all that done, and you know you've got the right insurance, yeah, you may have to fight with them, get a public adjuster, whatever, to make sure that you're made whole. But as long as you know your policy is good, solid, intact, it takes a huge burden off of a lot of the other things that are going on in your world emotionally. Because at least you know that piece is handled and I'll handle the rest. One last thing I want to add, and this is something that you need to check with your policy on as well, is, and I think I mentioned a moment ago, but I want to make sure I reiterate it. How long are they going to support you as you're out of that house? So you've got to go now rent a house. How's that gonna work? What's that work moving to, from, all the different things that are involved in that logistically, how's that going to be handled? And do you have insurance to cover all of that? And if so, for how long? Double-check all of that stuff. Again, Paul Leuenberger, he is the guy to call. Really quick, before I forget, let me just give you his number, because this is a great segue where you can just call him on his own and ask him these questions. Paul's number, by the way, 303-662-0789. That's Paul Leuenberger. He is my agent. Give him a call. He'd love to help you out. Fix-It Radio, KLZ 560. We'll be right back.
SPEAKER 07 :
Looking to buy or sell a classic car? Need a reliable valuation you can trust? Look no further than BP Appraisals, LLC. With over 20 years of experience in the appraisal industry, we provide fast, accurate, and professional appraisal services that you can count on. Did you know that an appraisal can also entail the forecasting of monetary earning power? An appraisal is a document with a valuation conclusion. It is not a pre-purchase inspection, a mechanical evaluation, or a recommendation to buy or sell your vehicle. It's the actual value at that moment in time, which many need for things like estate planning, insurance, or investing. At BP Appraisals, we value your property like it's our own. Make informed decisions with confidence. Don't settle for less. Choose the experts at BP Appraisals LLC, where precision meets professionalism. Visit us today at bpappraisalsllc.com and schedule your appraisals in just minutes. BP Appraisals, LLC. We know what your property is worth. That's bpappraisalsllc.com or call 720-295-0108.
SPEAKER 02 :
Are you tired of being cooped up inside during the long, cold Colorado winter? Bring a touch of warmth and greenery to your backyard with a custom greenhouse from Colorado Greenhouse Builders. Our team of experts specializes in designing and building greenhouses that will enhance any outdoor space. Our greenhouses are made with the highest quality materials and are built to withstand the harsh Colorado winters. Plus, with a variety of styles and sizes to choose from, we can create the perfect greenhouse to fit your needs and budget. Imagine growing your own fresh herbs and vegetables even during the winter or creating a beautiful garden oasis in the comfort of your own home. Don't let the cold weather stop you from enjoying the benefits of gardening. Call Colorado Greenhouse Builders today and start planning your dream greenhouse. Colorado Greenhouse Builders. Call 720-539-9806
SPEAKER 04 :
Are you a real estate agent looking to elevate your game or a for sale by owner and need professional marketing for your home? Look no further than Homadi. Step into a world of endless possibilities where success meets innovation. If you're a realtor, you gain access to cutting edge tools and technology designed to streamline your business and maximize your profits. From our state of the art marketing platform to our revolutionary virtual tours, Homadi equips you with everything you need to stand out in today's competitive market. If you're a homeowner looking to sell or even a short-term rental owner, Homadi will help you market your listing at the same level or even above that of realtors. The Homadi platform is a game changer. It's intuitive, user-friendly, and will completely transform the way your home is marketed. Join the thousands of real estate agents and homeowners who have already made the switch to Homadi. For more information on how Homadi can help you, call Robert and Julia Swope at 303-502-3464 or find them at fixitradio.com. Homadi, your key to real estate excellence.
SPEAKER 10 :
All right, we are back. Fix-It Radio, KLZ 560. Charlie asked a great question during the break, which I can finish off with, and I'll talk some cold weather stuff next week. Some of you that maybe have more limited resources with your electronic recording devices. So let's say you've got a cell phone, but it doesn't have a lot of storage capacity. And that's true. Some may have it filled up with all sorts of other things, and now all of a sudden you're going to walk through your house and have an hour-long video that could take up to a gigabyte, potentially, of storage. How are you going to handle that? Because you don't want to necessarily leave that on your phone and limit what else you can do with your phone. Some of you have more than enough room not talking to you. I'm talking to some of you that would have a little bit more of a challenge here. Here's how I would do this. Go ahead and take your video. Make sure you've got enough storage capacity to do that, but take your video. And you don't have to go buy anything to do this because most of the time you'll have enough to at least get temporarily this much space on your phone done. So take the video. Once the video is done, though, you can go to the computer. Sometimes you can buy a device on your phone where you can download directly to a USB drive. But just buy a USB drive. And by the way, they're so inexpensive now. They're giveaways for a lot of companies at trade shows and so on. They've become so inexpensive now. So if you don't have one kicking around the house, go buy one. They're really, really inexpensive now. You don't need a huge one for what we're talking about. You don't need a terabyte jump drive. Go buy the smallest one you could find. But do this. Buy about three of them, maybe even four, but at least three. And here's why. One, you're just going to keep it home. So find a safe sock drawer or whatever and keep that. Download this video to that drive. Copy one you're going to keep in your home. Or some of you have briefcases and things like that. Throw it in your briefcase. Typically that's always with you. In my case, if anything ever burned to the ground, my briefcase won't because it's always with me. Pretty much any time I leave the house, that thing's with me. So if I had a copy there, I'd be good to go. Second one, though, as Larry said earlier, you could have a safety deposit box. You might have an office at work. You might have some kids floating around. Whatever the case, go put that second copy someplace else. Yep. Okay? Now, there's also cloud storage options. Dropbox, by the way, will give you several gigabytes of storage for free. Google, with a Google account, they will give you a certain amount of storage for free, well more than the one gigabyte that this video might actually take. That's another option. I would actually do that on top of the jump drive as well, you know, the flash drive. But if you really want to have something stored solid, you know where it's at at all times, put it on a flash drive, keep a copy for yourself. If you have a safety deposit box, go stick it in that. If you've got a fireproof gun safe, stick it in that. Give one to one of your kids, wherever. And if you want to make four copies and go put another copy someplace else, fine. Point being, now you've got them. The only downside to that that there is is as you add things to it, which Charlie and Larry were talking about during the break, you want to make sure you've got those things added in. But you could keep those even kind of on a separate basis. Charlie had a great idea on the electronic side for a lot of you listening. So you go out and buy a new big screen TV for the Super Bowl. Don't take a picture of that thing once it's up on the wall. Take a picture of the UPC, the code, the box, all of that. while it's in the garage before you ever put it up on the wall, there's your proof you bought it. You've got everything you need at that point, not even on the wall. There it is, it's in your garage, there's pictures, insurance company can see, yep, it's in the garage, I can see he's unboxing it, blah, blah, blah. Now it's easy to prove, I bought that TV even without having a receipt. which you probably would have anyways, but you've got all that at that point and could show them that particular copy. But back to the, this video will take up some space. How do you get it off of your phone and then store it? I gave you a couple of different ideas. Some of you are more technical and can figure out even other ways to do it. But you can do the cloud, several services for free, Dropbox, Google for one. or two of those I should say, put it on a jump drive, store that with different things. You may even have kids that are out of state. Fine, mail it to them. You know it will be safe at that point. So mail it to them if you ever needed it back. You've got the ability to get it right back. I would not give it to a neighbor because if you have what happened in California, that's not doing you any good. So you want to get it out of your particular area for obvious reasons. I mean, I suppose if you were really careful and knew how this could potentially work, you could take a small container of sorts and take these particular items and go to the backyard and put them in a mason jar and bury them and then retrieve them. But let me tell you what, when a fire comes through like that, finding that spot once again when there's no landmarks around, might be really difficult, so I probably would do the other route instead and just find people you can hand this off to and have them store it for you. Point being... We wanna make sure we have, like Joe said, good catalog of all the things that we own. We can document all of those things. To Charlie's point, when you buy some new high-end items, some of you buying new furniture, big screen TVs, things like that, record those items as well. Even a snapshot picture of those would work. Store those someplace, again, where you can have easy access to them in case there's a complete loss. And then last but not least, renter's insurance. Some of you listening, you may not own, but you still need insurance. And we have resources on that end of things that if you send me a message, I can let you know because they're not a sponsor here, but they are of some of my other shows. I can get you into touch with somebody that specializes in renter's insurance, and I can help you with that end of things very well because even if you're a renter, you should make sure you've got proper insurance because even then, a total loss could set you back, and you want to make sure you're covered. And renter's insurance, by the way, is pretty cheap.
SPEAKER 09 :
I know Paul can do that for you also.
SPEAKER 10 :
All right, so there you go. We can get you all handled on that end of things. Guys, that's it today for Fix It Radio. I know we spent a lot on the fires and different things. We want you all to be prepared and be safe. And most of all, just make sure you have yourself ready no matter what would happen. All right, next program is up. Don't go anywhere. This has been Fix It Radio, KLZ 560.
SPEAKER 05 :
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.
In this episode of Reverse Mortgage Radio, Bruce Simmons delves into the complexities of negative amortization and its impact on homeowners with reverse mortgages. Bruce breaks down the concept with practical examples, highlighting how reverse mortgages can offer financial flexibility without the immediate burden of loan repayments. He also addresses common misconceptions about reverse mortgages, ensuring listeners have a clear understanding of how these financial tools operate.
SPEAKER 01 :
Welcome to Reverse Mortgage Radio, hosted by Legend's 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 another episode of Reverse Mortgage Radio. Very glad you can join me today. We're gonna be talking about Negative amortization. I know that's one of those silver dollar words like my grandpa used to say, but it's important with reverse mortgages that you understand how they work. And so today on today's show, we're going to talk about what it is, what is reverse or negative amortization and how it affects you if you have a reverse mortgage. However, first, I do need to kind of tell you a quick story because I was kind of in a panic last week. I ran to the doctor really quick and I was in a panic and I told the doctor, I said, doctor, I had this strangest feeling like I was shrinking. And the doctor calmed me down and he said, just take it easy. And then he looked at me and he said, Bruce, you're just going to have to learn to be a little patient. So that's how I start off my show today. Gives you a little bit of an idea what you might be in for anyway. If you have any questions, not criticisms of my dad jokes, but actual questions about reverse mortgages, or you have some input about reverse mortgages, feel free to give me a call. My direct line is 303-467-7821. My name is Bruce Simmons. I'm the Reverse Mortgage Manager for American Liberty Mortgage in Denver. 303-467-7821 is my direct line. You can also visit me online at ReverseMortgageRadio.net. ReverseMortgageRadio.net is my website. And you can go there, download my free consumer guide. Totally free. Just download it. It's got a ton of information. I believe I also have information in there about negative amortization. But you can also get a free quote. And this is a true free quote. It's not putting your information in and waiting for me to call you back. You put some information in. We do not ask for a social security number. It's like your name, your address, your value, how much you owe on the house, your age. And then it'll give you an idea of how much money you could get from a reverse mortgage. It's not 100% perfect. It's usually a little lower than what you actually can get because I need to be conservative in that. I'd rather under-promise and over-deliver. You know what I mean? So it might say you qualify for $150,000 when... When I do the numbers myself, I might come back and say $160,000 or $170,000, depending on the numbers and what was put in and things of that nature. Also, too, a lot of people don't know the actual value of your home. I get a lot of people who tell me a value, and then I do some research online, and it looks to me like it might be higher or lower sometimes, too, than what you think. So I do that for you if you call me and want a quote directly. I'll get your address and I'll plug in some information online and do my own research. I'll ask you some information about your home, if your basement's refinished and what kind of improvements you've made, things of that nature. It just gives us a little bit tighter picture of what you might qualify for. So please feel free to visit my website at reversemortgageradio.net or just give me a call. But today we're going to be talking about negative amortization. The reason I chose this topic for today is I was looking over the website performance over the last number of months, and it seemed like the phrase, what is negative amortization, Far outpaced any other phrase that led people to my website. I mean, by like four or five, six times the amount that the other keywords ended up directing people to my website on. So I figured I should do a radio show on it. And then also, too, I probably should do a video. I haven't done videos in a long time. I probably should do a video on negative amortization and how it impacts reverse mortgages because we're going to be talking some numbers today. I'm going to get a little bit in the weeds, not too much hopefully, but we're going to get into some examples and I'm going to be talking about some numbers. Things like that are just easier when you can actually see the numbers that I'm talking about. That's why I'm thinking this would be better suited for a video, but I want to get the information out to you. First of all, what is negative amortization? Negative amortization is where you're not paying enough on your mortgage loan. payment to cover the interest that's charged. So your loan balance actually gets larger. Let's say you've got a $1,200 interest payment on your mortgage, but you only pay $1,000. Well, you ended up owing $200 more than you did before because you didn't pay enough to cover the interest. Well, with reverse mortgages, you don't have to pay any interest at all. You're charged interest, but you're not actually required to pay it. Let's talk about what a reverse mortgage is real quick because I feel like I should explain that first. Most of the time, a reverse mortgage is an FHA insured loan. An FHA is the Federal Housing Administration. It's a government insured loan. It's not a loan from the government. It's a loan that the government insures. It's from private companies, but the government guarantees certain aspects of it. So the way a reverse mortgage works is it's an FHA-insured loan, and it allows you to access a portion of the value of your home. that you can take out and you never, ever, ever have to repay it as long as you live in the home. However, you're still charged interest every month, interest and mortgage insurance, in fact, because all FHA loans require mortgage insurance. That's how they provide the guarantees, the insurance on it is you pay for it. Well, with reverse mortgages, you don't actually pay anything. You're charged for it. You don't pay it until you sell the home. So anyways, the reverse mortgage, you're charged interest and mortgage insurance every month, but you're not required to pay it. Since you're not making any payments, that interest and mortgage insurance get added to the loan balance because they're still charged, but it's not paid for. So it gets added to the loan balance. If you took out a reverse mortgage for $100,000 and you kept it for one month and then paid it off, you would end up owing like $100,500 or $100,600 or something like that. Because the interest that you did not pay got added to the loan balance. And so your loan balance went larger over time. That's kind of the way reverse mortgages work. Now, as long as you live in the home as your primary residence, you or your spouse, if you're married, live in the home as your primary residence, you pay your property taxes and your homeowner's insurance because the home stays in your name. It's still your house. The bank does not take ownership of the house. I think for the most part, most people understand that now, but there's still a lot of people who think the bank is going to take your home when you leave. pass away. And that is not the case at all either. Your heirs inherit the home. But you have to live there as your primary residence, pay the property taxes, pay the homeowner's insurance, maintain the home, and keep your name on title to the house. As long as you do those five things, you are never, ever, ever required to make a payment and nobody can ever come back to you and tell you you need to get out of the house let's say you use up all the equity in the in the house they can never kick you out that's part of the guarantee that fha offers because this mortgage insurance is in place they guarantee that you can never leave a debt beyond the value of your home to your estate or your heirs if you had to leave your home let's say 20 years down the road but your home value dropped and now your home, let's say, is only worth $200,000, but you owe $300,000 on the reverse mortgage. You can never be kicked out of the house, but what happens is there's no equity left. If you had a regular mortgage and that situation happened, you would still be responsible to pay the full $300,000 that's owed. With a reverse mortgage, you are not. You can simply sign the home over to the lender and walk away. It's that simple. Or if your heirs wanted to keep the home, they could pay 95% of the current value. They would pay 95% of the $200,000 value on the home, even though 300 is owed, and they could keep the house. And that's a different topic, really, for what happens at the end of the loan. But there's protections. Just keep that in mind. There are protections with a reverse mortgage. The guarantees from FHA that you never can leave a debt beyond the value of the home. That's very important. Because this is a negative amortized loan, meaning that the loan balance does get larger over time. One way that I like to think about negative amortization on a home with a reverse mortgage. It's like, even if, let's say there's an appreciating market, because that's what a lot of people think. They say the loan will chew up all your equity. Well, it's unlikely because we don't loan a high percentage of the value. We don't loan 70 or 80 or 90% of the value. We typically loan 30, 40%, maybe 50%. If you're like in your mid 80s, you can get close to 50% of the value. And that changes based on interest rate. If the interest rate drops, then we can loan more. If the interest rate goes up, then we loan less. That's just the way it works. But if you think of a negative amortization on a home with a reverse mortgage, even in an appreciating market, is like filling a bucket with a slow leak while the water is also being poured in. Just imagine your home is the bucket, okay? And the water being added represents the increase in your home's value as it appreciates. However, when you have a reverse mortgage, the loan balance is growing over time because of the accrued interest and fees. This is the leak. So there's a leak in the bucket. And odds are, the water being poured in, the appreciation, is growing faster than the leak. But if the appreciation isn't fast enough to outpace the growing loan balance, the leak, then your equity will shrink despite the rising value of your home. And over time, even in a market where home prices are going up, you could, it's very rare, but you could still end up with little or no equity left in a reverse mortgage and as the balance grows faster and faster. And if it's growing faster, then the home's appreciating. And it takes a long time for that to happen, but it's possible. I always tell people it's possible. You have to be okay with the fact that your loan balance is increasing over time. If you're not, you should not do a reverse mortgage because every month you're going to get a statement in the mail. you're gonna see that loan balance getting bigger and bigger and bigger. What I tell all my customers is that if looking at that statement and seeing that loan balance get bigger and bigger and bigger is gonna cause you more stress than the benefits of the loan that you get, then the benefits you get from the loan, excuse me, then you shouldn't do the loan at all. It's not for you. But what you can do is change the gears a little bit in the way your mind thinks about it. And we're going to go over a couple of examples here in a minute. How... reverse mortgage still works and the money you're saving if you're paying off an existing mortgage and things of that nature. But in the meantime, you are listening to Reverse Mortgage Radio. My name is Bruce Simmons. I'm the reverse mortgage manager with American Liberty Mortgage right here in good old Denver, Colorado. You can reach me directly at 303-467-7821. That's my direct line. It rings right to me. Actually, it's forwarded to my cell phone. That's a landline. Don't text me at that line, but it'll be forwarded to my cell phone, 303-467-7821. You can also visit me online at reversemortgageradio.net. You can apply or get a free quote online. You can actually even apply. You can fill out some additional information after you get your quote. That all comes to me. Then I'll reach out to you to fill in the gaps and make sure that that we're on the same page. And typically what I do is I'll schedule a time to meet with you where I come out to your home and go over the numbers with you so you can have a good visual of how the numbers look and you can see how a reverse mortgage would affect you. And then you can make a decision if you want to proceed. But even then, let's say you say, yeah, I want to sign right now. I'd say, no, you're not allowed to. You can't. I won't bring paper for you to sign when we meet. All you're doing is gathering information because then you have to talk to a reverse mortgage housing counselor. before you can sign any paper because the counselor wants to make sure you understand it as well. And it's good because you hear it from a different person. I explain things a certain way, the way that I think makes the most sense. Maybe that doesn't make the most sense for you, the way you hear it. You might hear it differently. You might see things differently. And so when this counselor is talking to you and it's all done over the phone, they might explain stuff a little different and clarify it for you. So it's a little better. Sometimes, unfortunately, it happens. They confuse you more. But most of the time, it's a good thing, believe it or not. All right. So feel free to visit me online at reversemortgageradio.net or call me directly at 303-467-7821. Now what I want to do is I want to go through a couple of examples. One is where you have a $600,000 home, you're 62 years old, and you own the home free and clear. That would be awesome. If that's the case, you're in great position because you've got a ton of flexibility with the reverse mortgage. But what a lot of people do, because there's different ways you can take money out from a reverse mortgage. You can receive a monthly payment. That's what a lot of people say where the bank pays you instead of you paying the bank. That's one option. Another option is taking a lump sum. Now, there's restrictions with that. You can't take all the money in one lump sum. But you can take 60% of it that's available in one lump sum. And then the rest would be available to you a year later. You can also set up a line of credit. So you leave all that money in a line of credit for emergency purposes down the road. Or what most of the time happens is a combination where you take out $100,000 to pay off an existing mortgage, and then you take out $20,000 to do some home repairs, and then you've got $50,000 or $60,000 or $80,000 or whatever in the line of credit that's still available to you. It just depends on your specific situation. But for this person, for this scenario, I'm showing somebody who has a $600,000 home. They own it free and clear. They're 62 years old. They take all the money from the loan balance. And after closing costs and everything, they end up with $169,000. That's the amount of money that's available to this 62-year-old. They keep it for 23 years until they're 85. And this is one of the key, key benefits with reverse mortgages. If you have the ability to leave money in a line of credit, I highly recommend it. If you're talking to somebody about a reverse mortgage and they're trying to tell you you should take as much money as possible out up front in one lump sum, hang up. you don't need it. I mean, well, you might need it if you have a bunch of debt and you really want to pay it all off or whatever. You take as much money as possible. I've done those like that for people sometimes. Most of the time, they don't need the money right away. And in that situation, you don't want to take it because then you're charged interest on whatever you take out. But you're only charged interest on what you take out. If you leave it in a line of credit, you're not charged interest on it. In fact... That line of credit grows over time. It grows at the rate of a half a percent greater than the interest rate you're charged on the loan balance. Let's say your loan balance in this scenario or your interest rate you're charged on the loan balance is 6.375. That's what the rate would be today, 6.375. That means your line of credit is growing a half a percent greater than that. The line of credit is growing at $6.875. You start off with $169,116. That's what's available in the line of credit after closing costs. And we finance the closing costs. Those are rolled into the loan. But now you keep that money just for emergencies. But luckily, no emergencies happen in the next 23 years. Now, 85, you need to start drawing some money out to help out with in-home care. You want to stay in your home, and it's a challenge. Or maybe you need to improve your home to make it safe for you to be able to stay in. That line of credit that started out at $169,000 has grown to almost $917,500 today. That's, I've got the numbers right here. I'm looking at it. Believe it or not, if you want, I can send you the numbers on this scenario just so you could see. $917,000 when you're 85 years old. Would that come in handy? I would think so. I mean, I hope I have something like that when I'm 85. You know, that would be a nice little, and that's regardless of the value of your home. Your home could go down in value. You could owe, your home might be worth 300,000. that $900,000 is still available to you. That's because the mortgage insurance that you're charged by FHA. It guarantees it. So the lender is never going to lose any money. So they're never going to come after you, your estate, or your heirs if there's a loss. The mortgage insurance will cover it. Now, let's think about the value. Value at $600,000 in 23 years using the same appreciation, right? Basically, it's 4% per year, 4% appreciation per year on average. Now, it might be negative one year and 10% the next year. We saw that in 2009, 10, 11, 12, and then, you know, 2013, 14, 15, it started growing like crazy. In 19, or excuse me, in 2002, The average home value in Denver, Colorado, was $220,000. Today, the average home value in Denver is $550,000. I've heard up to $750,000. I don't know... I checked online and the online stuff said 550, although I've seen reports from industry professionals that said 750. Even using the conservative value, 550 is the average value now. That's two and a half times the value it was 23 years ago. So if we take the $600,000 value and multiply it times 2.5 times, that's $1.5 million that your home would be worth in 23 years. And basically, that's exactly the numbers that come out on this computer model that we have with 4% appreciation. So your house value would be worth about $1.5 million. And that means that you could sell your home anytime too. You could sell your home and walk away from it and you just pay off the loan balance. You don't have to pay off that line of credit because you never used it, right? But then you could tap into all that money to stay in your home if you wanted to. That's a pretty incredible thing. The line of credit, even though the equity grew two and a half times, the line of credit grew like five and a half times because it's tied to the interest you're charged on the loan. Now, obviously, if the interest went down to 3% and the growth rate on the line of credit's only three and a half, that's a different story. You're not going to have as much money. If the interest rate goes up and now it's 8% and your line of credit's growing at eight and a half, then it's going to be a lot higher even. You'll have over a million dollars, well over a million dollars. So it just depends, and it changes. The interest rate on these loans can change monthly. Now, let's say you own your home, but you have a mortgage on it. Let's say that $169,000 you qualify for, all of it has to be paid towards the mortgage. And I did the numbers on this. If you took out a $180,000 mortgage in January of 2012, January of 2022 at 3.5% for 30 years. All right, and that's 3.5%. A lot of people say, I really hate to get rid of this 3.5% mortgage. And I say, hey, you can keep that 3.5% mortgage along with that $1,322 payment because that's how much the interest in principal payment is on an $180,000 balance. But now, four years later, or three years later, because you have 22, 23, and 24, we're early 25 now, The loan balance has been lowered to $169,000. So you're using all the money from the reverse mortgage. You're taking it all out. There's no line of credit available. But you're saving $1,322 a month. And if you kept that loan for 23 years, remember that mortgage was originally a 30-year loan, so that was going to last you until you started at 62 until you're 92. I'm counting until you're only 85. So at 85, you would have saved. Over 23 years, you would have saved $365,000. That's extra money in your pocket. $1,322 every single month in your pocket that you'd keep. Now, your loan balance would grow up to a million dollars. $1,031,000, almost $1,032,000 is what you'd owe on that loan. But you saved yourself $364,000 in out-of-pocket expenses. And what could you have done with that money over that time period? Just answer that. Yeah, you say, holy cow, I owe a million dollars. That's unbelievable. Well, remember, the value of your home very likely could be a million and a half. $1,500,000. So you still have $500,000 in equity. You started out with less equity than that because you had a $600,000 home with $169,000 mortgage on it. So you only had, what, $421,000 or whatever, $431,000 in equity. But now... 23 years later, you have $500,000 in equity and you didn't make a mortgage payment for 23 years. Is that a sweet deal? I think it is. That's my plan. Well, my goal is to get a reverse mortgage to buy a home and overfund that loan so I end up with a line of credit. It won't be the full amount, but it'll be a line of credit. And I just think that if you look at the negative amortization in the proper light, yeah, your loan balance is growing over time. There's no way around it because you're not making payments. You're keeping that money in your pocket. Something has to happen to the interest you're charged. Interest is charged on everything, every loan you've ever had. And a lot of people will tell me, they'll say, why should I have to pay interest on money that's mine anyway? Well, it's not your money. You're taking money, you're taking a loan against your house, but you're borrowing somebody else's money. They're just using your house as collateral. Remember that. It doesn't matter if you take out money on a credit card or a house loan, a HELOC, refinance on a regular mortgage with cash out. You're borrowing money and you're charged interest. The only question here is whether you pay it because with a reverse mortgage, you don't got to pay it. That's what I really love about this loan. Now, you can make payments. Let's say that you're a commission real estate agent and business is slow right now and you're trying to slow down anyway because you're 62 years old. You're thinking you're going to retire here in the next few years. Well, Imagine you have no sales this year, or maybe one sale, so you have a little money in savings. That doesn't help you. But then next year, interest rates come down, the housing market booms, and you have 10 closings next year, and you make $30,000 or something on whatever. You're at $30,000 on a sale, and you've got this extra money. You can apply it towards your loan, and that would be credited towards your line of credit. It'll lower your loan balance so you're charged less interest, and it'll increase your line of credit so your line of credit will grow at a faster pace, and you'll have more money available to you down the road. That's what I plan to do because I'm going to get a reverse mortgage when I sell my home here in the next few years, and then I'm still going to continue to work even with a reverse mortgage, and I'm going to plan on making payments on this reverse mortgage that I get. to increase my line of credit so that I have more money available later in life when I might need it for health reasons or for travel, whatever the case may be. I want to be able to live a comfortable, enjoyable retirement. And that's the goal with a reverse mortgage. So if you have any questions about how reverse mortgages work or negative amortization, I'd love to explain it to you. I can do these numbers for your specific situation. Please call me. You can reach me directly at 303- 467-7821. My name is Bruce Simmons. I'm the reverse mortgage manager with American Liberty Mortgage here in Denver. Bruce Simmons, 303-467-7821. You can also visit me online at reversemortgageradio.net, reversemortgageradio.net. Download my consumer guide, get a free quote. Look at the videos, the testimonials that I've got online as well. I've got a ton of great information there. Please feel free to visit me online or call me. However you want to reach out to me, I'd love to talk with you. Thanks so much for listening today. I hope you have a fantastic 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. American Liberty Mortgage is an equal housing lender.
We are one in Christ. When we believe in Jesus Christ we become a new racial species—a member of the royal family of God. “If anyone is in Christ he is a new creation” (2 Cor 5:17). God offers us a different way of living. You can have a life filled with meaning, purpose, definition, and lasting happiness. To live it, renovate your thinking—think divine viewpoint, not human viewpoint. “When wisdom enters your heart and knowledge is pleasant to your soul, discretion will preserve you, understanding will keep you” (Prov 2:10-11).
Click for Full Transcript https://rhem.pub/bottom-line-0795ea
The Bottom Line
Transcript of FLOT Line Episode 634 aired on October 22, 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 is designed to remind you of
Biblical truths and introduce you to an in-depth way of studying and learning God's Word. It's all
done with no manipulation, no solicitation, just 30 minutes of education, some motivation and a
lot of inspiration. My job is to verify and identify God's plan for you and hopefully you will
orient and adjust to this plan. It all starts with the good news that Jesus Christ, the anointed Son
of God, has redeemed us out of the slave market of sin, thus our debt to God has been paid. We
are now free of the penalty of death and free of the power of sin. So if you receive Christ as your
Savior you in effect accept the offering that He made on your behalf. It's a free gift complements
of God. Listen to Ephesians 2:8-9,
“For by grace are ye saved through faith and that not of
yourselves it is the gift of God and not of works lest any man should boast.”
Titus says the same
thing in Titus 3:5-7,
“Not by works of righteousness which we have done, but according to His
mercy He saved us by the washing of regeneration and the renewing of the Holy Spirit, which He
shed on us abundantly through Jesus Christ our Lord, that being justified by His grace we should
be made heirs according to the hope of eternal life.”
When you accept Christ as your Savior you
are free of the second death mentioned in Revelation 20:13-15 and this says,
“Anyone's name not
found written in the Lamb’s Book of Life is cast into the Lake of Fire. This is the second death.”
When you accept Christ, you are freed from slavery to your sin nature by means of having
a new nature.
2 Corinthians 5:17 says,
“If any man is in Christ he is a new creature; old things
are passed away and all things become new.”
When you believe in Jesus Christ you become a
new racial species. You are a Christian. You're not black, or white, or red or yellow. You’re a
Christian, a new species, and the challenge is now that I'm saved what should I do? In James
1:21 we are to
“Put aside all filthiness and overflowing of wickedness, and receive with
meekness the engrafted word, which is able to deliver your souls.”
Paul uses some similar
wording in Ephesians 5:3-4 where he says,
“Fornication and uncleanness or covetousness, let it
not be named among you, as becoming a saint. Neither filthiness
[the same word that James
uses]
nor foolish talking nor jesting, which are not fitting but rather the giving of thanks.”
The
lifestyle of many unbelievers in Paul's day, as well as our day I guess, is a lifestyle of a frantic
search for happiness. People spend money they don't have to buy things they don't need to
impress people they don't even like and I guess that sexual deviancy is just one way people seek
to have meaning and purpose apart from God but it's a dead end street. When Paul uses these
words in Ephesians 5:3-4,
“Fornication, uncleanness, covetousness, let it not be named among
you, as becoming a saint”
we don't really know what they are, but the Greek word for
fornication is
pornia.
We get an English word from that, pornography, and Paul is saying that any
believer in Jesus Christ is not to be involved in pornography. Then he says,
“Neither filthiness
nor foolish talking.”
Filthiness is a Greek word called
aischrotes
and it's only used once or twice
634-The-Bottom-Line-transcript.pdf
in the Bible. It is the filthiest of filthy sexual deviance practices. Then you go into foolish talking
which is
morologia
in the Greek New Testament and that means to talk like a fool. We’re talking
about sexual practices so this is the 1-800 dial up whatever you want to dial up thing. Then he
uses the word jesting, which is to trap or tease,
eutrapelia
in the Greek New Testament. It means
to trap, tease, trick, have ready wit and this is part of the dating scene where a lot of people tease
each other on dates. It says this is not fitting, this is not the way the believer should live. So this
sexual deviancy is a way that people seek to have meaning and purpose as I said apart from God
and it's a dead end street. In fact, it's ironic that the lost man will wind up making all of the things
that are good, evil and all of the things that are evil, good. He’ll switch the roles. He will try to
say, “Well I know that this is not suppose to be allowed, but it's okay.” So he winds up making
the very things that are evil, good, and all the things that are actually good in the Bible, he makes
them evil. In other words he violates the divine standards of order to try to find something in his
life that does not exist. Some sort of freedom and some sort of happiness, some sort of
fulfillment and he never finds it. The reason is because he ignores the laws of marriage. He
ignores the laws of morality. He ignores the laws of privacy and property and all because he
justifies it in his own mind it's really okay for him to do this. Proverbs has some strong words for
this gentleman. In Proverbs 1:24-29, this is what God says to the person that does not listen, to
the person who goes down the My Way Highway, to the person who has the frantic search for
happiness,
“I called and you refused. I stretched out My hand and no one paid attention. You
neglected all of My counsel and you did not want My reproof so I will laugh at your calamity and
I will mock when your dread comes, when your dread comes like a storm and your calamity
comes like a whirlwind, when distress and anguish come upon you. They will call on Me but I
will not answer. They will seek Me diligently, but they won't find Me because they hated
knowledge and they did not choose the fear of the Lord.”
Did you hear that? Here's an individual
that is so steeped in his own arrogance that he will not pay attention to the warning that God
gives through His Word.
God warns through His Word what these evil things will cause in your
life. For example, what sexual deviancy causes in your life. He warns through His Word what it
means to ignore the laws of morality, to ignore the laws of privacy and property, and people don't
listen because they justify in their own arrogance why it doesn't really apply to them. Since they
don't listen, since they reject knowledge, the most important thing in their life is the knowledge
of the Word of God and they reject it. They do not choose to respect God nor choose to respect
His Word. In other words, they make everything that is evil, good, and everything that is good,
evil. Then they wind up eating the fruit of their own ways and they may call on God when the
bottom falls out. They may run to God in prayer when things get tough. They may ask God for
mercy, but He said He's not going to listen. What does this mean? Will He listen to you if you
ask Him to save you? Yes, anytime, any day, anywhere, He will answer that prayer. But this is
written to the reversionist, the person who consistently ignores the plan of God, the person who
over a period of time goes down the My Way Highway so far that he hits the point of no return
and then when the hammer falls, when divine discipline comes into his life, when he finds
634-The-Bottom-Line-transcript.pdf
himself under the sin unto death wishing that he could go back, there's not going to be any
answer because he ignored God the whole time and now he just wants a genie behind the eight
ball to pull him out of his trouble. God doesn't work this way. Your life is about choices. It's
about bad decisions that limit future options.
You must make the right kind of decisions. The
Word of God offers you this.
It offers a different way of living, a way of living that guarantees
you can have a full and a meaningful life. A life with direction and purpose, without guilt or
shame.
You must renovate your thinking if you hope to have this sort of happiness.
Proverbs 2:10-11 says,
“When wisdom enters your heart, and knowledge becomes pleasant to
your soul, then discretion will guard you and understanding will watch over you.”
This is a
supernatural way of living. It's supernatural insight for the believer in Jesus Christ. The wisdom
that he speaks of here is the wisdom of God's Word. Now the wisdom of God's Word is called
epignosis,
full knowledge. The wisdom of God's Word is full knowledge. When you get
knowledge you convert knowledge to wisdom and the word for wisdom is
sophia
. The objective
of the Christian life is to get under the ministry of a well-qualified pastor, let him teach you the
Bible where you learn full knowledge and not just
gnosis
knowledge. That's knowledge that you
understand but
epignosis
knowledge is knowledge that you metabolize. The reason I bring these
words up is because they are both translated knowledge in the English. If you don't understand
from the Greek New Testament what they are, you'll miss the whole thing. There is knowledge
which is
gnosis
, always translated knowledge and there's knowledge which is
epignosis
always
translated knowledge. The difference between the two words is the word
epi,
the preposition in
front of it, and this means full knowledge. Full knowledge is the Word of God you've learned and
applied by faith into your life. That's full knowledge and that's the knowledge that gives you
wisdom. When you have this wisdom, then when you have a decision to make. you will have
discretion, you will be able to weigh in your mind the right and the wrong and you will have
understanding. Understanding means you will know if there's a trap laid there by Satan. You will
know if it's something you should or should not do. It says,
“Discretion will guard you.
understanding will watch over you
[but this only happens]
when wisdom enters your heart, and
knowledge is pleasant to your soul.”
If you're not interested in the Word of God, then you're not
ever going to have any
epignosis
knowledge. If you don't have any
epignosis
knowledge, you're
not going to have any wisdom and if you don't have wisdom, then you have no discretion and no
understanding and you are a sucker for whatever the devil throws at you. You will go willingly
down the My Way Highway and ultimately destroy yourself because of your own arrogance. If
you want to change, the change requires you to change the way you think. I'm talking now to the
believer in Jesus Christ, the person who's accepted Christ as his Savior. The change of thinking
requires humility. You have to move away from any type of self-justifying arrogance. For
example, Romans 12:2-3.
“Don't be conformed to this world but be transformed by the renewing
of your mind so you can prove what the will of God is, that which is good and acceptable and
perfect. For through the grace given to me, I say to everyone among you don't think of yourself
more highly than you ought, but think so as to have sound judgment as God as allotted to each
634-The-Bottom-Line-transcript.pdf
one of us a measure of faith.”
What this verse is saying in Paul's words is
do not let arrogance
control your thinking because arrogance will always justify its existence.
“Stop thinking in
terms beyond what you should think but think in terms of humility as God has assigned to
each one of us a standard of thinking from His Word.”
That's a modified expanded translation
of this verse. God wants you to think something. He wants you to have an attitude that He
approves of. It's the same humility attitude demonstrated in the life of Jesus Christ when He
came to this earth to redeem us out of the slave market of sin. In fact we are told in the book of
Philippians that we need to learn to think like He thought. Philippians 2:5-7,
“Let this mind be in
you that was also in Christ Jesus who humbled Himself and made Himself of no reputation, took
upon Himself the form of a servant.”
The word doulos means being servant. Remember when He
washed the disciples’ feet He told them,
“If I your Lord and Master washed your feet, you ought
also wash one another's feet”
(John 13:14). This isn’t about foot washing, that was never
practiced, it is about forgiveness. He knew what was going to happen and He taught them
rebound, problem-solving device #1. He taught them rebound by washing their feet, He forgave
them. He showed them, He demonstrated to them an attitude of humility. Can you demonstrate
that same humility, not in foot washing, that's not what I'm talking about, but in forgiving those
who've wronged you? He even told Peter,
“Before the daylight comes, you’re going to deny you
know Me three times”
(Luke 22:34), but He still washed his feet. He knew what Judas was about
to do. Later after the supper He told him, “Go ahead, do it. I know what you're up to,” and yet He
washed his feet and He washes your feet every time you sin and go to God the Father and
confess your sin. When you do this you are in effect having your feet washed. You see, Peter
thought he needed a whole bath. He said, “Well, just give me a whole bath.” The Lord said,
“If I
don't wash thee, I have nothing to do with thee.”
But it wasn't a bath Peter needed. Peter used the
word for bath and the Lord said, “You don't need a bath. You just need your feet washed. You
need to be cleansed of your sin.” This is the perfect way to teach it and this is what we have to
learn in our life. We have to have this same attitude that the Lord Jesus Christ had, the attitude of
humility. Do you remember the night in the Garden of Gethsemane when they came to take Him
captive? He went alone to pray and He said,
“Father, not My will but Thy will be done”
(Luke
22:42). That's an attitude of humility. That's where He was willing to do what the Father sent
Him to do. What did the Father send Him to do? To go to the cross, to die on the cross, and to
pay for my sin, to pay for your sin. This is why 2 Corinthians 5:21 says,
“He that knew no sin
was made sin in order that we may be made the righteousness of God through Him.”
This took
humility to die for the sins of Judas, to die for the sins of Peter, to die for your sins and my sins.
Every sin you ever did, everything I ever did, He paid for it. If He didn't, there's no way we can
go to heaven because there's nothing in us that can justify the perfect righteousness of God. This
is what Romans 3:10 says,
“There are none that are righteous, no, not even one.”
Isaiah 64:6,
“All of our righteousnesses are like a filthy rag in God's eyes.”
You can't conjure up God's
forgiveness. You can’t earn God's forgiveness. You can't pay your way out of it.
Only through
the redemptive work of Christ on the cross, when He became your substitute, can you have
634-The-Bottom-Line-transcript.pdf
a relationship with God that's eternal.
Philippians 2:5 says,
“Let this mind be in you that was
also in Christ Jesus”
(1 Corinthians 2:16), learn to think in terms of humility. Where can I find
the thoughts of Jesus? “I want to do that.” Okay you say, “I want to think like Jesus thought.”
What did He think? 1 Corinthians 2:16 tells us,
“For who has known the mind of the Lord, that
he may instruct Him? We have the mind of Christ.”
The Bible is the mind of Christ. Why do you
need this? Why do you need the mind of Christ in your life? I will tell you exactly why you need
it. Because Ephesians 3:18-19 says,
“So you will be able to comprehend with all of the saints
what is the breadth and the length and the depth and the height
[of God's plan]
and so that you
will know the love of Christ which surpasses knowledge so that you might be filled with the
fullness of God.”
Did you hear that?
Why do you need to know the mind of Christ?
“So you
can comprehend with all believers, what is the breadth, the length, the depth, and the height of
God's plan.”
That's a builder’s metaphor. Only a builder would understand how wide, how long,
how deep, how high it is.
God's plan is unimaginable to you and to me. It’s a perfect plan
and it comes through the love of Christ to us.
This love is an impersonal love because He
loved you before you loved Him. You don't believe this? John 3:16 says,
“God so loved the
world that He gave His uniquely born Son so that whoever believes in Him should not perish but
have everlasting life.”
The demonstration of the love of God was giving Jesus Christ His Son to
pay for our sin and the demonstration of the love of Christ was going to the cross in obedience to
the will of the Father. This is what you have to do, you have to have this same type of love, the
love that allows you to be obedient to the Father's will in your life and thus you have to replace
the way you think. You can't think the way you use to think with human viewpoint thinking,
“Dear Abby, what should I do?” No, that's not the way the believer thinks. The way the believer
thinks is, “Dear Father, what should I do?”
God will speak to you through His Word, the
Bible.
The most important thing in your life is to replace your human viewpoint thinking, which
is hopelessness, with divine viewpoint thinking, which is security and confidence. The only place
this transfer of thought can take place is under the ministry of a well-qualified pastor. I'm not
talking about the typical nod to God crowd who attends the ritual but have no reality. I'm talking
about a church where the Bible is taught from the pulpit and where the people apply what they
learn. You see, the Word of God acts like a mirror. It reflects your true image when you look into
it. It doesn't reflect what you think you are, that’s your arrogance. It reflects what you really are.
The arrogant person has an unrealistic self-image and if he has an unrealistic self-image, he has
unrealistic expectations. In other words, he expects to be treated in the way he's not worthy of
being treated. God doesn't play that little game. So if you want to see what you really are then
you look into the mirror of the Word of God according to the book of James and you will see
yourself.
The Word of God humbles us. The Word of God exposes us.
Thus many people
don't like to hear it taught. You have to remember this.
Romans 10:17,
“Faith comes by hearing
and hearing by the Word of God.”
If you intend to live by faith you must live by what the Bible
says and the only way to learn what the Bible says is to get in a local church under a well-
qualified pastor and let him teach you. I've heard people say, “I don't need church. I can just take
634-The-Bottom-Line-transcript.pdf
my Bible and go out in the woods and sit under an oak tree and commune with God.” I’ve got a
word for you, you're full of it. First of all, the Bible is a textbook, it's not a novel. I don't care
how many times you’ve read it through. Yeah, you'll pick up some principles but you will miss a
lot more than you pick up. If it wasn't true then why did God give men the spiritual gift of pastor-
teacher, the Greek word
poimen kai didaskolos
. They have a spiritual gift and it's their gift that
enables them to study and see it and reveal it to you. That's the gift, that's the way the gift works
and thus it's not designed for you to take it by yourself and try to figure it out. If I gave you an
algebra book and didn't give you an instructor and said, “Here, go learn algebra,” you could
never do it.
You will never fulfill the plan of God without a pastor to explain it to you.
This is
the way God intends for it to be. I get a lot of letters from people. I want to share some of them
with you. This particular person said, “I'm not much of an email writer, but I want to let you
know your program has really helped me tremendously in learning what it means to live the
Christian life and for that I'm greatly appreciative. I listen safely in my hometown every Sunday
morning. I pray God will bless you and I pray God would bless your ministry.” Here's another
one. “Hi, I enjoy listening to you every Sunday morning in Cheyenne, Wyoming. This morning
you mentioned you like to hear from folks so here it goes. I'm 61 years old and I've been to
church five or six times in my life, but I've listened to you for about a year now and I guess I
bought a Bible and I've been reading it and I'm going to try a church that my buddy goes to. I ran
into him lately, a couple of times and he's doing great, even after his wife passed away, the wife
he loved very much. He says he’s in a good place with God and it really shows in his life. I've
known this guy for 45 years and he's always been a good person. He was a little while in his
younger days like me, but nobody could ever out-fish him. Anyway, you and he are the reason
I've asked God to save me and I'm looking for the Lord to help me be a better person. Thank you
for your radio show. I'll be listening.” Another listener wrote these words, “I’m from Meridian,
Mississippi. I was in Jackson, Mississippi over the weekend with my six-year-old son for a
baseball tournament when I heard your message yesterday on Super Talk Radio. My six-year-old
and I were headed to Bass Pro Shop and he asked if we were going to go to church. And I
explained that being out of town we would not today but we would on Wednesday night when
we got home. I had been struggling with my spirituality, or lack thereof, and it's become
concerning and heavy on my heart. I put feelers out to some close to me, but I have not found
any peace. On our drive from the hotel I aimlessly changed radio stations and was immediately
excited to hear you discussing the very matter that I've been praying about. My son and I actually
sat in the parking lot for 20 minutes after arriving at Bass Pro Shop listening to the remainder of
your message. I sure wish I could have listened to it from start to finish. My son said, ‘Dad.’ He
spoke up and he discussed spirituality. He discussed being carnal and he said, ‘The Holy Spirit
lives in us daddy.’ My son was interested. I know we need to encourage each other as Christians
so I wanted to contact you in hopes of encouraging and in appreciation for encouraging me. It’s
not easy to keep the attention of a six-year-old child, but you did it and I'll be researching the
times and places where I can hear you more often.” There are other letters that I could read. I just
634-The-Bottom-Line-transcript.pdf
don't have the time but it's fantastic when I get these, when I hear from folks like this. Why don’t
you take a moment if you're listening. If God's using these shows in your life let me know. It's
always encouraging to me. Don't send money. I'm not asking you for money but I love to hear
from listeners how you’re learning and how you’re growing. The announcer at the end of the
show will tell you how to get in touch with me and I hope next week you'll come on back and
join me again, same time, same place for The FLOT Line. Until then, I'm your host Rick Hughes
saying thank you for being with me today.
John Rush sheds light on the often misunderstood topic of insurance, emphasizing the need for annual reviews and understanding true replacement costs. With tales from his personal experiences, he underscores the importance of ensuring adequate coverage, not just for the present but to provide peace of mind against unforeseen catastrophes. Whether it's about understanding your insurance policy or considering modern alternatives for emergency communications, this episode is packed with essential information every homeowner needs to hear.
SPEAKER 04 :
This is Ready Radio, preparing you to be ready for anything, now. Here's your survival guide for Ready Radio, John Rush.
SPEAKER 02 :
All right, welcome. Ready Radio, KLZ 560. First live program of 2025. January the 10th is today's date. If you're listening to a replay, you know what the date is. And I appreciate you all listening. We're doing this now for several years. So thank you all very much. Thanks to all of our sponsors, the folks that make this happen on a weekly basis. And please utilize. Those, if you would, go to ready-radio.com. Find all of our partners there, and when you use one of them, please let them know that you hear them here on Ready Radio, and I appreciate that greatly. All right, several things I want to cover today. First things first, the California fires, which we've talked about in the past here on Ready Radio in regards to even some of the fires we've had in Colorado as to how do we prepare ourselves. We have been victim to similar fires to what they've had out in California right now. Not maybe to that degree, although what happened up in the Boulder area and even what happened up in Granby, had Granby been more populated earlier, Like California was, it would have been very, very similar. But in both situations, you know, houses and belongings and everything completely burned to the ground. And things like that can happen. Now, before I get into what I feel each of us should do to be prepared for those sorts of things, and I have some life lessons along that line because, as a lot of you know, I lost a house up in Granby. and the Troublesome Fire years ago. So I have a little bit of experience with how a lot of this stuff works, the insurance side and so on. And yeah, frankly, even out in California, with a lot of those folks just like happened up in the Louisville Superior area, most will be underinsured. We'll get into some of that today. And what's going to happen in California next, who knows, because it may get hard for them to get insurance, period. Now, I do want to talk about some of the things that are going around the internet and so on I read some different things today and at times I do just have to shake my head at what some people post because it's like you're not really that ignorant are you I mean you really show your ignorance at times with some of the things that get posted and I'm not directing this at any of you that listen because I don't think that's you that do but for example you'll see a meme floating around where it's circling the ocean it's circling the fire saying there's water there use it something to that effect Well, let me explain as somebody that understands that end of things pretty well because in some of the things that I do, the salt component of that, in this case the water, creates some issues. It's not as simple as just pumping it and shooting it on the fire. Some of you may think so, but it's not. And not saying they couldn't do that. In fact, if you prepared, which is what we talk about here on Ready Radio, if you prepared in advance to be able to do some of those things on the front side, pump ocean water up and onto some of those structures and so on, that's a whole different scenario. Problem is, of course, they didn't plan for that. But given the fact that they didn't plan for that, you can't take... the same equipment that they're using for freshwater and pump saltwater through it. It's possible to do it, but it won't last long, folks. And you may put out a few structures and do some things along those lines, but that piece of equipment that you used to do that likely will have to be completely rebuilt when it's all said and done because the saltwater and the corrosion from and so on is enormous. And again, it's just not feasible. And for a lot of you that maybe don't know this, and I think some of the people that post some of these things probably don't, some of the fire trucks and fire apparatuses and so on, you know, they can start in the low hundreds of thousands of dollars per unit all the way up to a million dollars plus for a rig. So you're going to risk as a city, county, whatever the case may be, the investment that you've used taxpayer dollars for in that piece of equipment and run saltwater through it. No, you're not. So for some of you that are posting some of those memes, please stop. You show your ignorance when you do. Show you really don't know what you're talking about. Yes, I've also seen some of the planes that are able to take the seawater and then go dump it. But keep in mind, those are made for that. Completely different scenario with that. Now, I'm not saying there's not fault with what's going on in California, the preparedness, the water, the shortages of not cutting back the growth and so on. I've talked about that on The Daily Show a couple of different times now this week. I'm not giving them a pass by any means, but what I'm saying is, especially we as conservatives, when we post things that are technically not accurate, It makes us look really dumb. And I say that a lot, especially on this show, because the whole preparedness thing, you know, quote, unquote, being a prepper, a good friend of mine and I, in fact, we'll talk to him next week. Bill, if you're listening, we've talked about this and the fact that just the whole term prepper is a negative connotation to some people. It makes you sound like you're really out there and you're some sort of a weirdo. And that's not what this program is about. We want you to be prepared for the what-ifs or for anything that comes along in life. That could be a big snowstorm, could be a tornado, could be a hurricane, could be a power outage, could be an EMP, could be a flood, you name it. just bad wind here in Colorado. I mean, there's all sorts of things that can come along, and we even get into some of the preparedness end of things on what do you do if your car breaks down on the side of a busy freeway? I mean, I get into all of those different things, which your average, quote-unquote, prepper show won't do, because I want everybody to be prepared for everything, not just that, quote-unquote, end-of-the-world scenario, which, by the way, may not ever come in our lifetime. I have no idea. I don't have a crystal ball. No one does. So my point with some of these posts is, number one, like anything with social media, think twice before posting. I don't care what it is. I saw somebody else posting today talking about how, you know, what's happening in California is, you know, Revelation, whatever. And I went and actually read that particular passage in Revelation and trying to figure out how that correlates. And I know my scripture pretty well, and the reality is it doesn't. So, again, where I'm going with this is be extra careful when you post those things because you have influence probably more than you think. And people are looking at what you post. And the last thing that you want to be known for is a weirdo that posts all sorts of things that, frankly, might have a little nugget of truth but are probably not true truth. wholeheartedly, and you're discounted easily, meaning that when you do actually have something worthwhile to say and post, no one is going to recognize that or read it because you're a nut job. No one wants to be known as a nut job. And sorry to say there's too many of them out there on our side. So I just want to do a little explanation on there's a reason why ocean water is not used to put out those fires in their current situation. Like I said, I'm not saying that they couldn't prepare for that and have some pumping equipment and things along those lines that potentially would work for that. But you're not going to take your normal, typical freshwater fire truck And do that. no matter what anybody out there says. Now, I've also heard from different people that, you know, they worry about the saltwater on the vegetation and so on. You know, honestly, I think that's the least of their worries. You're going to have a certain amount of things going on after a fire, regardless of what you've done with the salt and the vegetation and so on. All of that dirt and land and so on is going to have to be completely gone through, scraped, redone anyway. So that's a non-issue. That part doesn't bother me at all. And you could use saltwater to put those fires out. But you have to have proper equipment to do so. And I can tell you right now that most likely, well, I already know, they don't have that equipment out there. They've probably never thought through that. Now, I'll go one step further. Part of the problem, and I've said this many, many times on the weekly show, one of my biggest complaints with California is, number one, there's no management. It's a disaster as a state goes. The whole water management thing is another disaster. Why there isn't desalinization. If they want to go ahead and divert all the water out to the ocean and save the fish, great. Then put some desalinization plants in and have extra water that way. Using that water for drinking and so on and saving some of the other reservoir water for some of these things that they're encountering right now. There are solutions to this, by the way. They're just not willing to step up and make those things happen, whether it be because of cost or environmental concerns or whatever the case may be. You know, no offense. They would rather go put money into homeless things and illegal immigration and, and, and, and, and. They would rather do that and make sure that their fire departments are woke. And then brag about all the lesbians that are now trying to put out fires. And I'm not joking when I say that because there are actual postings and things out there of these particular ladies bragging about the fact that they're lesbians working in the fire department. So I'll get into more of that probably next week as more of that continues to be uncovered. But my point really was be careful what you repost. Making sure that it's accurate. So that at the end of the day, you don't look like a fool. Because ultimately, that's not what we want to look like. All right. A couple of other things. Now, let me get this one out of the way, too. Here's another one I don't believe. I saw something today that basically showed P. Diddy's house burning, which I don't even know if it is. P. Diddy's house burning, and that's the reason the fire started. Because of all of the evidence and things that are inside. Come on, folks. Really. Honestly. Honestly. That is a huge stretch. So that's another one where you repost that and you just look like a fool. So don't. Even if you're tempted to. Even if it sounds great, don't. All right. One other thing I did look at, which would have applied to this situation. Elon Musk now has given the folks the ability to be inside of that area and text and so on, and he's worked out a deal with T-Mobile where they're linking up to Starlink and people can now text and communicate and get in contact with loved ones and so on. I was looking at some things over vacation, over the holidays. I haven't ordered any of these yet because I'm still doing some research, but I found a product called Rapid Radios. Rapid radios. And they're not a ham radio. They're still working off of the cell network that we have coast to coast, but they do it in such a way that their packet usage, quote unquote, is done to where it's very... low usage in the tower meaning that it gets priority when it actually goes through so even if a lot of people are using a particular tower chances of that particular packet going through is much higher than if somebody were trying to use a cell phone and because they're able to use everybody's towers not just Verizon or T-Mobile or AT&T or whatever they're able to piggyback onto all towers through the agreements that they have their radios pretty much work coast to coast, even in very remote areas. Now, they're not GPS. They're not satellite – sorry, they're not satellite-driven, GPS satellite-driven. They're not ham. They are using the existing cell network, meaning that if that network goes down, those radios are inoperative. But in this situation right now in California, or anything that we would have even along the front range here – This is not a bad alternative, and they're not too badly priced. And I know you can go out and do the ham radio thing and all of that, and for some of you, that's a great alternative. For others, that's way above your head, and you'll never do it. This is simply you go buy a pair or four or six or however many you want for your family. You pull it out of the box, and it's usable. There is no programming. There's no dinking around. There's no nothing. You pull the two out, and they will talk to one another. And if you buy enough of them, they're about $170 a piece. Now, some would say, man, that seems really high. Well, if you look at what a cell phone costs and some other things that are out there, not really. It's really not that expensive. To be able to have communication in a situation like these folks are going through in California and not having to wait for an Elon Musk with Starlink or whatever, I mean, even looking back in the Carolina region with the hurricane and so on, these radios, these rapid radios would have most likely worked even in those situations. So, food for thought. I may very well order some. I've got some communication going on back and forth with them. I'm not looking for any freebies or discounts or anything along those lines. I'm just trying to figure out if it's a good solution for a lot of you listening and then be able to get some feedback. actual physical use in on them and determine whether that's a good alternative or not and i will most likely here in the first quarter of this year do so just to get some experience with them and see exactly how they work before i actually endorse them one other product that i noticed this is in regard to the fires and even kind of some end of the world stuff And this came up as an ad. I don't know why, to be real honest with you, but this came up as an ad, and I clicked on it and thought, oh, this really is not a bad deal at all. For a lot of you that have wells, so you're on a well and you're trying to figure out, how am I going to get water if all power is out? How am I going to get that water out of the well? There's a company called Flowjack, F-L-O-J-A-K. Take the C out of jack. So F-L-O-J-A-K. They make a ready-made hand well pump kit that you literally can put on the top of your well and pump it like a bicycle, like a bicycle pump, and pull water out. It's 500 bucks. So for some of you that are on wells where you're thinking, hey, I need to figure out a generator system or something to where I could pump out some drinking water and things like that, this is a lot less money than trying to figure out generators and hookups and all of the other things that would coincide with that. And keep in mind, in an end-of-world scenario, you're only going to let that work for so long until things run out, propane, natural gas, fuel, whatever. This, because it's manual, would literally run forever. So, food for thought. I'll put this link in our notes where you guys can take a peek at this. Those of you that have wells that might be interested in this, I've never seen a product like this. it's designed for again for those of you that already have a well you've already got a cap you know what i mean by that you take the cap off put this on top of where the cap is and it'll draw you can pull the water up and out of the well and it's all diagrammed you can look at their particular website and it shows you exactly how it all works how you install it and so on so for a lot of you that i know live in some of our rural areas or even in town you may still have a well You might be on city water in a well for irrigation. This would work even in that particular case to pull water out. In the case of an all-out, complete power outage, you have no ability to get your well fired up. This would give you fresh water out of your well. with this particular device. So Flowjack, F-L-O-J-A-K. And no, they're not paying me. I just happened to see, again, an ad for this. And when I did, I clicked on it, did a little bit of research and thought, you know, not a bad product at all. Some of you ag guys where you're out in some of the other areas where, again, you're working off of a well or you might have a well for the house and a well for your animals and so on. You might want a couple of these depending upon what your particular scenario is. So anyways, take a peek at that. I'm going to come back and talk about the insurance sides of things and what you should do to be prepared for a fire if, in fact, something like that were to happen like what just did in California. I want to make sure you're all prepared for that. So we'll get into that in just one moment. Don't go anywhere. Ready Radio, and it's ready-radio.com. That's our website, KLZ 560.
SPEAKER 09 :
Are you looking for a healthcare provider who truly cares about you and your well-being? Look no further than Castle Rock Regenerative Healthcare, where Dr. Scott Faulkner is ready to provide you with top-notch care. At Castle Rock Regenerative Healthcare, you'll experience a competent, friendly, and efficient staff that puts your comfort and care first. Dr. Scott Faulkner is a true advocate of the latest advancements in healthcare and weight loss. Worried about being lost in the crowd of impersonal health care? Fear not. Dr. Scott is a big picture doctor, not beholden to big pharma or big insurance like some other providers. He takes the time to understand your unique needs and will customize your health care to fit you, your body, and your lifestyle. Tired of waiting weeks for an appointment? Unlike other practices, Dr. Scott Faulkner has the remarkable ability to see you in a matter of days. Reach your full potential and achieve your goals. Call Dr. Scott today at 303-663-6990 or visit him online at castlerockregenerativehealth.com or find him at rushtoreason.com. Castle Rock Regenerative Health Care, your path to a healthier tomorrow.
SPEAKER 05 :
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. 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 07 :
At Roof Savers Colorado, we are about more than roofs. We are about helping you make the best decisions with the right information. Being a homeowner isn't getting any easier or cheaper and neither is getting your roof the solution it needs. Deductibles are going through the roof and with every passing year, insurance covers less than the one before. Due to a record amount of hailstorms recently, insurance companies have started limiting your coverage and pulling out of states entirely. We know the industry. With over 3,000 roofs under our belts and 23 years of experience, Dave Hart and his team are ready to complete a free roof inspection and discuss the option that is best for you. Don't wait. Policy renewals are increasing by as much as 50%. Now is the time to get the solution you need. Call Roof Savers Colorado today at 303- 710-6916 or go to roofsaversco.com. That's 303-710-6916 or go to roofsaversco.com to schedule your free inspection and start saving your roof today.
SPEAKER 01 :
Looking to buy or sell a classic car? Need a reliable valuation you can trust? Look no further than BP Appraisals, LLC. With over 20 years of experience in the appraisal industry, we provide fast, accurate, and professional appraisal services that you can count on. Did you know that an appraisal can also entail the forecasting of monetary earning power? An appraisal is a document with a valuation conclusion. It is not a pre-purchase inspection, a mechanical evaluation, or a recommendation to buy or sell your vehicle. It's the actual value at that moment in time, which many need for things like estate planning, insurance, or investing. At BP Appraisals, we value your property like it's our own. Make informed decisions with confidence. Don't settle for less. Choose the experts at BP Appraisals LLC, where precision meets professionalism. Visit us today at bpappraisalsllc.com and schedule your appraisals in just minutes. BP Appraisals, LLC. We know what your property is worth. That's bpappraisalsllc.com or call 720-295-0108.
SPEAKER 02 :
All right, we are back. Ready Radio, KLZ 560, and talking insurance now. And for a lot of you, this is a hot topic. It is for everybody. I shouldn't say a lot of you. It's always a hot topic. No one likes buying insurance. I saw a Facebook post earlier today, insurance is a scam. Well... No, it's not. I mean, some may feel like it is, but insurance is a business whereby they collect premiums based upon what they feel the risk is for a particular thing that they're insuring. And they ask you to pay a fee for said insurance, and they realize that they have a risk that they may have to pay out on a claim for whatever it is you're insuring against. That's how insurance works. Now, they also know that it's rare for everyone to turn a claim in at one time. It doesn't happen very often. And insurance companies also know that. This is where it gets interesting in places like California where you burn down – there are some estimates that about 4,000 homes have burned. I don't know if that's true. I have not been able to verify any of that. I know here in Colorado, we lost about 500 or so. Maybe – I think it was close to 1,000 homes actually. So – When that happens, yeah, that's hard on insurance companies. They don't plan on those sorts of losses. Let's call it that. So, yeah, it's a sore subject to a lot. A lot of us pay a lot of money for insurance, and it's everything from your home to your car to your business to, in some cases, you guys have toys, motorcycles, boats, planes, things like that, life insurance, disability insurance, you name it. There's insurance for all sorts of things. And as you guys know, you can pretty much buy insurance for whatever you want to, depending upon what it is and how much you want to pay for a premium. At one point in time, didn't J-Lo have part of her butt insured or something, Charlie, I want to say? So, yeah, you can buy insurance for anything. Lloyd's of London, I think. You can buy insurance for about anything. Now, in most cases, if you have a – not in most cases. In all cases, if you have a mortgage, you have to have insurance. If you don't, they're going to provide it at a very inflated price over what you could go to the open market and buy. So you want to go out, shop, and have your own insurance because otherwise your mortgage company will do it, and it's going to be a lot higher price than if you had it on your own. So, yes, if you have a mortgage, insurance is a must. If you don't have a mortgage, that's your call. You want to insure it? Fine. If not, fine. You probably should at least have liability insurance in case somebody slips and falls or falls off the roof or something along those lines. But whether you insure the structure or not, if it's paid for, that's your call. You're kind of self-insuring and taking the risk on your own if you decide to do it that way. And I don't know how many of these homes in that California area might fall into that. Some of those people are very wealthy. They may very well have just said, you know, we'll do liability only and we're not going to insure the structure. We'll take our chances. I don't know. I'm sure some of that will come out in the news as time goes by. Now, most people can't do that. Most cannot self-insure. Very few can self-insure. Now, there are things when it comes to insurance you can do to save money and have good coverage. and that is doing some self-insurance by having high deductibles. In other words, don't nickel and dime the insurance company. Have a high deductible, $2,500, $5,000, $7,500, whatever the max is. Anytime I go to quote insurance, first question I ask, how big of a deductible can I have? Because I know the higher the deductible, the cheaper the premium. And I'm willing to take a risk on a claim and pay a higher deductible than I am to pay higher rates. Because in a lot of cases, fortunately for me, I have a lot of contacts and the ability to do things on my own and so on. And in a lot of cases, unless it's a catastrophic claim, I can handle it on my own. Fender benders, things like that, I can pretty much take care of those things on my own without ever turning a claim in. You have to sit down and determine that on your own. What can you bear if something were to happen? So if you had a total loss, and everything's wiped out and you've got a $10,000 deductible, are you okay at the end of the day? That's only a question you can answer. But what I will tell you is most people don't do what I just said. They sit down with an agent or they go online, they plug in a few things, they answer a few questions, out pops a premium, and off they go. And they don't even bother going through some of the things that I just mentioned. I'm going to talk about limits in a moment, but first things first. If you want to save money on insurance, raise your deductible. And those of you that have auto insurance, if you really want to lower your auto insurance, drop your windshield coverage. You just heard an ad for Novus a moment ago. Yes, windshields are getting expensive. Insurance companies know that, and they're building the price of that windshield on that particular car back into the premiums, knowing that you're going to put one in every so often. So if you want to save money on insurance, drop your windshield coverage. Drop your glass coverage. So food for thought. There's all sorts of ways to save money. And my good friend Paul Leuenberger, who's a good advertiser of ours, you can always call him and he can walk you through some of the things that I'm talking about. And he knows how to save money on insurance. And where I'm at with this is most people never ask. And most people are undercovered. They're more worried about having a low deductible and a low premium and this, that, and the other. And at the end of the day, they get that, but they're also underinsured. So when a total loss does come, they're left holding the bag, just like what happened with folks that had a lot of money up in the Louisville Superior area, and the same thing is going to happen in California. So first things first, and I'm a big one on this, you should review your insurance policies, plural, all of them annually. You know when your renewal date is. It should be on your calendar, by the way. So if you renew 1st of March, let's say, right now in January, you should be looking at that policy changes too and or is there somebody else out there that can offer me a better deal? And shop it and do that every single year. And some of you would say, well, why would I waste all my time doing that? That's how you save money, folks. And that's how you do some of the things I just mentioned a moment ago in regards to deductibles and limits and, and, and. Now, for a lot of you listening as well, not maybe all people, but for a lot of you, you should have an umbrella policy as well. An umbrella policy is an add-on. It's an umbrella to what you already have, depending upon the claim and the coverage you have and so on. It's a good thing to have, and it's not very expensive. All insurance agents, including Paul, can explain how that works. So first things first, make sure you're properly insured. Try to save the most money by some of the things I just said, some of the tips I just gave. And then, for the love of God, make sure you have enough coverage. And most people are underinsured. They don't look at what the actual replacement costs of a home would be. If it's completely wiped out, something happens, there's a natural gas explosion, a fire comes through, you name it. most don't know what that cost is. And I'll be the first to tell you, a lot of agents don't even know. Paul does, but a lot of agents don't even know. Rule of thumb in our area, by the way, a low-end house, figure 250 to 300 a square foot to rebuild in a high-end house can be anywhere from 400 to 600 a foot. So do the math. 2,000 square foot house, 400 bucks a square foot, 800K. And it adds up fast. Now, keep in mind, that's just the building cost. And this is where you've got to be careful on your policies. That does not include cleanup. That does not include anything else that might have to happen to get it into the shape of actually having to rebuild. May not include digging out the old foundation. You may have plumbing things to deal with, sewer lines, on and on and on we go. You need to make sure that you're asking all the right questions of your agent so that they're building the policy necessary so something like what happened in California were to happen here. And it has happened here. And some people out there are thinking, because I've read some of the comments, how does an entire neighborhood burn down? One house ignites, fires are very strong, or winds are very strong, 80, 90, 100 miles an hour, and one house burns, the next house burns, you get the drill. It just jumps from house to house to house to house to house. And the other theory that I have on it after being through this is, as you guys all know, fire seeks oxygen. That's how fire stays alive. A house, by the way, is full. Of what? Inside air and oxygen. So the minute that a window or something along those lines breaks, door blows in, whatever the case, where do you think that fire is going? Right inside the next house. Most people think that the fire kind of jumps up and sparks on the roof and then it starts to ignite. No, that's not how that works. Typically speaking, a window, something like that, gets so hot, it shatters, it breaks, and the fire just goes right into the house, and it burns from the inside out, not the outside in, in the case of what's happened in California. So some of you think, well, man, I'm immune. The next house over is a long way away. Is it? You know, is it? We saw houses up in the Boulder County Superior area that were on acre to two acre lots that still burned from one to the next to the next to the next. And they were a long distance away from one another. So you don't have to be on a postage stamp lot and be an arm's length distance from your neighbor to have it jump from house to house to house. Because again, like I said, it seeks air, the fire does. And when it finds it, off it goes. So once again, make sure that you're fully covered. Look at all of the things that go into the policy, especially when it comes to total loss. Look at how each individual insurance company handles a total loss. And what I mean by that is some insurance companies will insure your contents several ways. One of those ways might be just flat out blanket. You tell us what the value was inside. You go out, buy replacements, and off you go. Some of them will require receipts showing what you actually owned prior, what you paid for certain items. It can get very intricate and you have to know what your policy says. Don't assume that you just have full replacement cost without asking and reading the policy. Because it might surprise you what your coverage actually is. In some cases, you may be generating an entire spreadsheet of personal items. And this goes back to Joe from Jersey always saying, with now having the ability on your cell phone to take a video, walk through your house periodically with your cell phone to record all of the items you own. So that as time goes by, if something like this were to happen, you can document it. And folks, it comes all the way down to even the groceries you had at that time. How many box of cornflakes were on the shelf? Did you have a case of ramen noodles? Did you have this much in silverware, utensils, pots and pans? You get the drift. Those are all personal items that will have to be replaced in a total loss situation like what's happened out in California. I mean, everything from your toothbrush, personal items, all of those things have to be replaced. And you guys all know it's not cheap to do so. So once again, go through your policy. I'm not a big one for buying things online because most of them will not have the ability to walk through what we're talking about right now. So talk to an actual agent, somebody like Paul, preferably Paul, and go through that process so you know exactly what you have and how it's covered. Some things get excluded. You might have a gun collection. It may very well not even be in your current policy. You might have to buy an addendum for that. A rider, they call it. You might have some heirlooms, some paintings, jewelry, something along those lines. You have to make sure you're covered on those things properly or you won't be. You'll be either without those when it's all said and done or you'll be out of pocket on your own to replace them. And again, that's something you have to determine on the front side, what risk do you want to take? But far too many people say, oh, I'm insured. Are you? Really? Pull your policy out and let's look. I can't tell you on the coaching side how many businesses through the years I've pulled out policies and looked at what they have for even their business insurance and found it not to be enough. The same is true with people on their homes. Just because it covers the mortgage, which by the way satisfies them, doesn't mean you have enough insurance. Now, I also am not telling people to be insurance poor. You don't need to buy more than you need. But far too many people, the vast majority, are underinsured. They do not have enough for what's going on. Now, and here's my complaint on that. You heard Joe Biden yesterday talking about how 100% federal government, taxpayers, we're going to kick in and write a check for everything that's happened out there. Now, I don't know if he's talking about homes or just infrastructure or just cleanup or what. I mean, he didn't give all the specifics, but we're on the hook for 100% now because that's what he promised. People in other disaster areas didn't get that, by the way. Ironically, Blue State, California gets 100%, but North Carolina didn't. Florida doesn't. Other places don't when that happens. That'll be something, again, I talk about next week on The Daily Show. But the reality is my beef when folks are underinsured is they then expect the government to come in and pick up the tab for the difference. No, folks, we as conservatives believe in personal responsibility. You should have all that covered on your own. And if you didn't insure for enough, that's on you. Sorry, I do not feel sorry for you. That's on you. You had the opportunity prior to do the insurance side of it the way you needed to. You chose not to. That's now on you. So at the end of the day, if you can't rebuild your home, put the lot up for sale, sell it off, do something else. And no, I don't have any sympathy. I have sympathy that you lost your home, but I don't have sympathy that you can't rebuild it because you didn't plan ahead. So I know I sound a little... angry at that but i am because it costs all of us taxpayers money when people are underinsured because then they expect others to come in and backfill and that's not how this should work We should be filling in on our own with our own insurance. Now, if you've got to fight the insurance company, that's a whole other conversation, which I could get into. But reality is, make sure you're covered properly. And if the insurance policy says X, Y, Z, you'll get the money. Trust me. You can hire a public adjuster if you have to and get the money. So reality is, you'll get the money. But far too many people are underinsured because they don't take into account all of the different things that I just talked about. So please, by all means, get all that done. I've got a few more things to say about the insurance side. If you have a comment on that, you can text me, 307-200-8222. You can call in as well, 303-477-5600. We'll be right back. This is Ready Radio, KLZ 560.
SPEAKER 07 :
You work hard to keep a roof over the heads of you and your loved ones. The last thing you need is to be worrying about the condition of that roof. That's where we come in. At Roof Savers Colorado, we pride ourselves in helping homeowners like you get a new roof without all the worry. Deductibles are skyrocketing, and since it's illegal to waive those fees, the financial burden of upgrading your damaged roof can seem overwhelming. But here at Roof Savers, we offer both financing options and referral fees to offset some of those upfront costs. Already filed a claim with your insurance? We are happy to utilize those insurance proceeds to get your roof the replacement it needs and your home stronger protection from hail. With over 23 years of roofing experience, Dave and his team are ready to help. Call us today at 303-710-6916 or go to RoofSaverCO.com to set up your free inspection. That's 303-710-6916 or go to roofsaverco.com and stop worrying about your roof today.
SPEAKER 09 :
Are you a real estate agent looking to elevate your game or a for sale by owner and need professional marketing for your home? Look no further than Homadi. Step into a world of endless possibilities where success meets innovation. If you're a realtor, you gain access to cutting edge tools and technology designed to streamline your business and maximize your profits. From our state of the art marketing platform to our revolutionary virtual tours, Homadi equips you with everything you need to stand out in today's competitive market. If you're a homeowner looking to sell or even a short-term rental owner, Homadi will help you market your listing at the same level or even above that of realtors. The Homadi platform is a game changer. It's intuitive, user-friendly, and will completely transform the way your home is marketed. Join the thousands of real estate agents and homeowners who have already made the switch to Homadi. For more information on how Homadi can help you, call Robert and Julia Swope at 303-502-3464 or find them at fixitradio.com. Homadi, your key to real estate excellence.
SPEAKER 03 :
If you're looking for great quality eye care, look no further than Stack Optical. Hey, this is Scott Whatley, and for over 20 years, Allen Stack has been taking care of our optical needs. At Stack Optical, they handle all of your eyewear needs with glasses, prescription glasses, shooting glasses, sunglasses, contacts. eyeglass repairs and yes even eye exams and those eye exams are only $69 and if you've been told you've got a complicated prescription that's just one of the specialties at Stack Optical. At Stack Optical they have their own on-site lab and in most cases you can have your new glasses in just two to three days. Stack Optical 2233 South Monaco Parkway free and up-close parking Call them today, 303-321-1578. That's 303-321-1578. Or visit stackoptical.com. And remember, at Stack Optical, you'll see the difference.
SPEAKER 08 :
Are you tired of being cooped up inside during the long cold Colorado winter? Bring a touch of warmth and greenery to your backyard with a custom greenhouse from Colorado Greenhouse Builders. Our team of experts specializes in designing and building greenhouses that will enhance any outdoor space. Our greenhouses are made with the highest quality materials and are built to withstand the harsh Colorado winters. Plus, with a variety of styles and sizes to choose from, we can create the perfect greenhouse to fit your needs and budget. Imagine growing your own fresh herbs and vegetables even during the winter or creating a beautiful garden oasis in the comfort of your own home. Don't let the cold weather stop you from enjoying the benefits of gardening. Call Colorado Greenhouse Builders today and start planning your dream greenhouse. Colorado Greenhouse Builders. Call 720-539-9806
SPEAKER 02 :
All right. Welcome back. Ready Radio, KLZ 560 website, ready-radio.com. Got a great question that came in on the text line. How do you establish values for certain things? Your house, a pole barn, etc. Let me go through some of that. Now, really quick, I also want to put a plug in for one of our great sponsors, BP Appraisals, because when it comes to certain things like cars and gun collections... Burt Payne can actually give you a written-out, factual, here's what things are worth, stick that in a file, give it to your insurance agent, and off you go. That's easy. Now, when it comes to other items, it gets a little more difficult. Now, depending upon your house and the value, some insurance companies have their own team that will even come out and analyze what's a rebuild cost for this property based upon current market conditions. And then they will update that depending upon what inflation does and supply chain issues and so on annually. Now, if you're in an area where that's not going to happen and they're basing everything off of what you feel values are, do some comps. you can pretty well look around and see, okay, if I were to go buy this new, if this completely burned to the ground and I had to rebuild from scratch, what are the going rates? And like for like, by the way. So in other words, if you've got a house and it has construction grade type countertops and doors and sinks and so on, then you need to look at the per square foot cost along those lines and you're not going to be in that $400 to $500 a square foot range. On the same token, if you've got more of a custom home and things are a little nicer and you've got different types of even toilets and sinks and faucets and so on – because, by the way, those things add up really fast. And there's a huge difference between contractor grade versus the other end – That's where that price per square foot starts to increase. We talk to Dave from Veteran Windows and Doors during the week all the time, even windows and doors and things like that. Dave Hart from Roof Savers of Colorado, who you heard an ad for a few minutes ago. Even the way the roof is done, huge difference in the bottom of the barrel shingles to top-of-the-line shingles, even on asphalt shingles. So those are things where, number one, what do you have now? And what's it going to cost to replace that like for like? You know, I don't believe in insuring for more than what you own. You just want to be made whole again if something like this were to happen. So you want the ability. This is my opinion and how I look at it. If you have a total loss and at that point you're looking at a total claim of X. So let's use some round numbers. You've got a house and property and so on, and you've got the house valued in our area. It's not hard to get to the $500,000 range. That's a nice round number. So you feel you've got a house that to replace it would be 500 grand. So you're going to insure it for 500, most likely minus the land, plus, though, the contents. So let's say that you're going to insure it for 400 because you feel the lot is worth $100,000. but you know you've got 100 of contents, and I'm just using round numbers. So we're still back up to the 500 range on what you're insuring. So you get a policy for 500K. Now, most policies will allow for some increases. The other thing you've got to be really careful of, will they allow you to build the new home up to code because your old home probably isn't? Unless it just got built, it's not up to code, trust me. There will be things when a new builder comes in to rebuild what you have, Codes have changed, and they will have to upgrade certain things, which adds to the per square foot cost. Some policies will include that code updating in the policy. Again, you have to get with your agent and find out exactly what it says in each one of these areas. So, going back to, we're insuring it for 400 contents of 100, so we're going to get 500. Now, A lot of insurance companies, you could just settle up right off the bat, have them write you the check for $500, and you determine what you want to do from there. Some will require you to rebuild before you get a check. This is where, by the way, public adjusters come in. What a public adjuster does, by the way, is they look at their entire policy, all the ins and outs of it, everything that, by the way, you probably don't know, and not even your agent, but the adjusters won't tell you. They determine what the whole claim should be, what the policy will cover, and they go after that full amount. Yes, you pay them a fee to do that, but you will get much more money out of a claim with a public adjuster than you ever will yourself. That I can guarantee you. And that's true for me. My cabin that burned down up in the mountains, same thing. I got a public adjuster, got far more out of that with them than I ever would have gotten on my own. And I tried it on my own for a while and started getting jacked around by the insurance company. And so I went a different direction, got a public adjuster, and off we went. So going back to this $500K, you think you've got a lot that's worth $100K. So let's say you go the public adjuster route and you get a 500K check. You know your lot's worth 100. Well, at that point in time, you can make the decision, am I rebuilding? Am I buying a bunch of new stuff? Or am I moving? And for a lot of people, by the way, just because of the memories of what's gone on there, they don't want to live there anymore anyways. They're going. They're going to go someplace else. So at that point, you take your 500K, you put the lot on the market, you get your 100K back out of the lot, you now collected 600, and off you go. Go buy the next place. So my point with insurance is you want to be in that position. At the end of the day, if something happens, you want to have that scenario to where you've got enough cash in the bank, literally, because you'll get a check. You have enough cash in the bank to then make a decision. Am I rebuilding? Or are we going to sell a lot and move? What are you going to do? And trust me, this is personal experience speaking. When the money's in the bank... And you can then go look at all the different options that you have on what you want to do. It makes it a whole lot easier than when you don't. And I'm a big one on, and this is what I would even advise these folks in California, they should be hiring a public adjuster today. House is burned to the ground, go get a public adjuster. Be first in line. Get a settlement from the insurance company on the front side. Worry about rebuilding later, but have that money in the bank now. Whatever the maximum is, contents and so on, get it now. And my point is you want to have enough insurance to where if and when that day comes and you're looking for that payout from the insurance company, it gives you the ability to make those decisions necessary, like I said a few minutes ago. That's the position you want to be in, not a position of, oh, I've got a five hundred thousand dollar house that I insured for three hundred. It's going to cost me four hundred to replace it. And I kind of forgot about the contents and and or didn't value those correctly. So I'm under there. So now what do I do? And this happened in Louisville. By the way, I'm giving you real-world examples. These things were in the news that happened in our own backyard up in the Louisville, Boulder County area, Superior Louisville area, where people literally found themselves in that position. And by the way, these were not poor people. These were people with means, but underinsured. In some cases, keep in mind, they lost cars that were in the garage. All sorts of things happened. And they didn't have enough insurance, so they were really left trying to figure out what do we do next. And for a lot of them, they had to literally just sell the lot, try to recoup as much as they could, pay their mortgage off, and hope they could go somewhere else. That's not the position you want to be in. That is the last place you want to find yourself in. You want to be on the opposite end. You want to have all your ducks in a row, go to a public adjuster, get as much money as you possibly can out of that claim, be made whole, and then make a decision, am I rebuilding or am I selling my lot? What am I going to do? And by the way, as far as selling a lot goes, when you have all the money in the bank off of everything else and you can go make a decision on where else you want to live, you don't have to make a decision on selling that lot right then. You could wait a year or two and decide. You could wait for some of the values to even come back up if you wanted to. Totally your call. The pressure, my point is the pressure of what you have to do goes away. Because you planned ahead. That's what this show is all about. We want you to plan ahead. Yes, we call it Ready Radio because we want you to be ready for anything. But we're big on planning ahead so that you have things handled on the front side and you're not trying to worry about it on the back side trying to figure it out then. And folks, I'm giving you real world examples. You're going to hear all sorts of sob stories coming out of California. And while I feel bad that people lost their entire homes, I really do because that's not fun. I do not feel bad for people that are underinsured. They had plenty of opportunity over the past decades to figure out how to be insured properly. And if they aren't, that's on them and should not be my responsibility as a taxpayer to make them whole. nor your responsibility as a taxpayer. So this is one of those things, and for a lot of you, a lot of us think, where I live, that's just not going to happen. There's not enough trees and brush and things around me. That's not how to look at it, folks. Again, all it takes is one house igniting, Strong winds, which we have in Colorado, and pretty soon it's house after house after house after house after house. And as you guys have seen, even from what happened here in Colorado, it burns the cars on the streets. It burns everything in the house itself. I don't think most people have any comprehension of how hot it is. those fires actually are and what they do. A lot of folks even that put the memes and things out there, these are people, frankly, that have no clue how hot fire is and what it actually can do and what happens when you blow that fire at 100 miles an hour. And they want to blame all sorts of things, government, not saying that there's not some nefariousness going on inside government and so on, but they want to blame it on everything other than the fact that things happen And unless you're prepared on the front side, you're going to lose. So in the case of the folks in California, those that were insured really well, that had everything all dialed in, they will be made whole. They will not have any issues. Yes, there's always sadness over the things that you lose because it's your personal items. But financially speaking, those people that are insured correctly will be just fine. That's what I want for all of you. Be insured correctly so that if something comes along that is what we call a total loss, you have the ability to be made whole again, and you're now in control of your future and somebody else isn't. And again, I will guarantee you that inside of my own listening audience, there are a lot of people that don't understand the things we've just gone through this past 55 minutes or so, And they have no idea whether they're insured for enough or not. And going back to the question, how do I know if I am? Do some research. Do some comps. What's it going to take to replace what you own? The pole barn situation a moment ago. Stay up to date on that. Those things go up in price on an annual basis. What is a, you know, if you've got a 20 by 20 pole barn or a 40 by 40 pole barn, what does that cost to replace right now? And by the way, you've got to figure in not just the replacement value of the building going up, but what's inside of it. electrical and heat and so on, if that's what you've done. Did you put a concrete floor in? On and on. So you've got to look at everything along those lines, factor that all in, and then insure it correctly. And what I will tell you is, most of the time, it's more money than you think. And real quick as a reminder, please make sure in your policy you have cleanup costs covered. Most will include it, But look at that and determine, is it enough for all of the cleanup? If there's a total loss like what's happened in California, am I going to be able to even afford to get all this stuff hauled off and even start over again at that point and be where I need to be? Because in a lot of cases, your policy will be way low in that. And I will tell you that those cleanup costs add up really, really quickly. When I had my cabin burned down up in Granby, I think the cleanup costs alone were about $15,000. just getting everything leveled off, cleaned up. That wasn't taking the foundation or anything out. That was just getting all of the debris and everything that had burned to the ground out of there. It was about 15 grand. Most would say, holy cow, how did it get so high? Trust me, folks. They don't haul the stuff away for free. And whoever's taking the debris doesn't take it for free. And it doesn't load itself into the dump truck for free. You're paying people to do all of those things, and there's a cost to it. And in some cases, it's hazardous material at that point, and there's even costs on that, which, by the way, also makes sure that you're covered inside of your policy for as well. So, guys, that's it. If you have any questions on that directly, you can always text me, 307-200-8222. We'll be back with our next program. Don't go anywhere. Ready Radio, KLZ 560.
SPEAKER 06 :
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.
