Latest / Ron Verb / The entire broadcast from Thursday 04/30/26

Transcript

The entire broadcast from Thursday 04/30/26 · Ron Verb

• 0:00
  Speaker 1: Welcome one and all. It's Thursday, April 30th, 2026. It's
• 0:04
  Speaker 1: 49 degrees. How about that rain we had yesterday? Some
• 0:08
  Speaker 1: more heavy rain. I mean, everything is just so saturated
• 0:11
  Speaker 1: out there in my neck of the woods, to say
• 0:14
  Speaker 1: the least. I mean, it's just saturated out there, and
• 0:16
  Speaker 1: then there's more rain in the forecast. Plenty of April showers.
• 0:19
  Speaker 1: We should be... Just having a wonderful May flowers, if
• 0:23
  Speaker 1: you go with the old cliche. But, I mean, we
• 0:25
  Speaker 1: have just had an excessive amount of rain. Sump pumps
• 0:29
  Speaker 1: are working hard. Hard to get anything done, to say
• 0:32
  Speaker 1: the least. And it's... It can be frustrating. Anyway, good afternoon,
• 0:36
  Speaker 1: one and all. It's chilly, isn't it? Can I bellyache
• 0:39
  Speaker 1: a little bit about the temperature? Is it possible that
• 0:43
  Speaker 1: I can? Well, I've got your ear. I think it's
• 0:45
  Speaker 1: time for me to bellyache maybe a little bit about
• 0:48
  Speaker 1: this temperature that we've been having. What happens to springtime?
• 0:53
  Speaker 1: I mean, it's just gone. So you say to yourself,
• 0:57
  Speaker 1: what are we at, 49 degrees? It's just been some
• 1:01
  Speaker 1: days you have Decent temperatures and some days you're back
• 1:04
  Speaker 1: to sweatshirts and winter vests and that kind of stuff.
• 1:09
  Speaker 1: So let me review the, as we end up April,
• 1:12
  Speaker 1: let me review the weather for the month of April.
• 1:15
  Speaker 1: It's rained way too much, way, way too much. It's
• 1:19
  Speaker 1: rained way too much. And the temperature fluctuation is bizarre.
• 1:23
  Speaker 1: I mean, it'd be decent one day and almost spring-like.
• 1:27
  Speaker 1: And then the next day, you're digging out your sweatshirt
• 1:30
  Speaker 1: and your winter vest and that kind of stuff because
• 1:32
  Speaker 1: it's just so cold outside. That has been the month
• 1:36
  Speaker 1: of April. So let's hope for... What better conditions in May?
• 1:41
  Speaker 1: Although one of the weather guys was saying they think
• 1:44
  Speaker 1: it'll be cooler in May as well. So there you
• 1:46
  Speaker 1: have it. Belly aching is officially out of the way.
• 1:49
  Speaker 2: All right.
• 1:50
  Speaker 1: How about... Do you think the people... Here's a question
• 1:53
  Speaker 1: for you. Do you think the people in Poland feel
• 1:57
  Speaker 1: betrayed by their own library system? Attention, folks in Poland.
• 2:06
  Speaker 2: So..
• 2:07
  Speaker 1: It seemed to me, just from my catbird seat here,
• 2:11
  Speaker 1: and correct me if I'm wrong, the vast majority of
• 2:13
  Speaker 1: people in Poland wanted to save their library. They like
• 2:17
  Speaker 1: where it's at. They like everything about it. Yes, it's sinking.
• 2:23
  Speaker 1: But the citizens of Poland seem to say, we'd rather
• 2:27
  Speaker 1: invest money in fixing it than ripping down this beautiful
• 2:32
  Speaker 1: facility and building a new one. Now, that seemed to
• 2:36
  Speaker 1: be what I heard overwhelmingly. So if you're listening today
• 2:40
  Speaker 1: in Poland, don't let the cat get your tongue. Pick
• 2:43
  Speaker 1: up the phone, give me a call. I'll give you
• 2:44
  Speaker 1: the number out momentarily. It seemed to me that seemed
• 2:47
  Speaker 1: to be the consensus, the majority of opinion in Poland
• 2:51
  Speaker 1: was we want to save our library. And let's see,
• 2:58
  Speaker 1: last time they had a meeting, they didn't vote. I
• 3:01
  Speaker 1: think they were like afraid to vote. They didn't vote.
• 3:05
  Speaker 1: So all the people that made those arguments and spoke
• 3:08
  Speaker 1: about this were totally ignored. The wishes of the community seemed,
• 3:16
  Speaker 1: from my perspective, like they were totally ignored. So you
• 3:20
  Speaker 1: have this library board. They sit down. They say, well,
• 3:23
  Speaker 1: we're just going to build a new one. End of story.
• 3:26
  Speaker 1: See you later. Have a good day. Bye, everybody. And
• 3:30
  Speaker 1: I'm sitting here asking if that upsets the citizens of Poland.
• 3:37
  Speaker 1: I mean, as a citizen of Poland, do you feel
• 3:39
  Speaker 1: that you are being ignored and your library system betrayed you?
• 3:45
  Speaker 1: And believe me when I tell you, the library system
• 3:47
  Speaker 1: has more money than they know what to do with.
• 3:49
  Speaker 1: They are that flush with money. I've told you that
• 3:52
  Speaker 1: time and time again. I do not, I, Ron Verb, admit,
• 3:55
  Speaker 1: I do not vote for the renewal of the library levy.
• 3:59
  Speaker 1: I haven't because I know their finances, they just are
• 4:02
  Speaker 1: collecting way more money than they need. It's out of control.
• 4:06
  Speaker 1: It's totally out of control. So I don't continue to say, oh,
• 4:11
  Speaker 1: I'm going to vote for that and continue to give
• 4:13
  Speaker 1: them all this money that is more than they need.
• 4:15
  Speaker 1: And their biggest problem is figuring out how to spend it.
• 4:19
  Speaker 1: That's their biggest problem. So consequently... I guess, what, they're
• 4:26
  Speaker 1: building a new library in Struthers. Now they're going to
• 4:29
  Speaker 1: build another new one in Poland. But they got all
• 4:31
  Speaker 1: kinds of money to do this stuff. Like I say,
• 4:33
  Speaker 1: their biggest problem is how do we spend all this
• 4:35
  Speaker 1: money every year that we're taking from the taxpayer? But
• 4:39
  Speaker 1: it is interesting that the citizens of Poland were ignored.
• 4:44
  Speaker 1: And I would like to hear from some of them. Attention,
• 4:46
  Speaker 1: citizens of Poland, I'd like to hear from some of
• 4:48
  Speaker 1: you today about it.
• 4:51
  Speaker 2: Because..
• 4:53
  Speaker 1: That was just my consensus of it. All right, gas prices.
• 4:58
  Speaker 1: Gas prices. Five bucks a gallon. Yes, I see some
• 5:04
  Speaker 1: stations there like at 470. It can get confusing because
• 5:08
  Speaker 1: some of the signs that are posted aren't what the
• 5:10
  Speaker 1: average person pays for 87 octane. You got to be
• 5:12
  Speaker 1: a member of whatever the Advantage Club or whatever it
• 5:15
  Speaker 1: is to get the price that's posted there. But I thought, well,
• 5:20
  Speaker 1: is a $ 5 gas station a freak in our area
• 5:23
  Speaker 1: or is it common? So when I'm driving, I see
• 5:25
  Speaker 1: Speedway's at $ 5. I see Shell's at $ 5. So I
• 5:29
  Speaker 1: see most of them as I'm coming down here is
• 5:30
  Speaker 1: at $ 5 a gallon. And then, of course, well, you
• 5:36
  Speaker 1: just got to bear with it for a little bit.
• 5:37
  Speaker 1: Just got to hang in there. And we shall see
• 5:41
  Speaker 1: what's a little bit is what I like to define. Because,
• 5:46
  Speaker 1: I mean, it's shocking to fill up your vehicle. It's
• 5:52
  Speaker 1: just shocking to fill up your vehicle. And then take
• 5:55
  Speaker 1: a look at what the price of diesel is as
• 5:57
  Speaker 1: a result of it. Now, all those people that say
• 6:00
  Speaker 1: to me, well, you know, you just give it some time,
• 6:02
  Speaker 1: would be the first one bitching if it was Biden
• 6:04
  Speaker 1: as president. So, okay, let's give it some time. How
• 6:11
  Speaker 1: much time? Comments, please. We shall see.
• 6:17
  Speaker 2: 330-729-9977.
• 6:18
  Speaker 1: 330-729-9977 is my top secret unlisted number if you want
• 6:20
  Speaker 1: to get on the air.
• 6:22
  Speaker 3: 330-729-9977.
• 6:22
  Speaker 1: We'll get you through. You're on the air.
• 6:24
  Speaker 4: Hello?
• 6:24
  Speaker 2: Hey, Ron.
• 6:24
  Speaker 1: How you doing today? I'm well. Thank you for calling.
• 6:27
  Speaker 1: As far as the weather, springtime in Ohio, right? It's just.
• 6:45
  Speaker 5: Seen it like that for years off and on.
• 6:47
  Speaker 1: Well, I've been around a long time, too, but I
• 6:49
  Speaker 1: can't recall it being as much rain as we've... It's
• 6:53
  Speaker 1: not a typical springtime with this amount of rain, in
• 6:55
  Speaker 1: my memory.
• 6:59
  Speaker 5: Yeah, but we were so dry in the fall, so
• 7:01
  Speaker 5: it's kind of a good thing, in my opinion.
• 7:04
  Speaker 1: All right.
• 7:05
  Speaker 6: Especially what we didn't get.
• 7:07
  Speaker 5: But I wanted to bring up, there was a news
• 7:10
  Speaker 5: article in a local paper that Latonia, they're wanting to
• 7:14
  Speaker 5: do a tax increase by half percent down there. And
• 7:18
  Speaker 5: the article was in there that the town was like, well,
• 7:22
  Speaker 5: we kind of need it and that because if we
• 7:25
  Speaker 5: don't get it, we might have to do some layoffs.
• 7:28
  Speaker 5: But at the same time, that half percent increase, the
• 7:31
  Speaker 5: mayor's telling people, I'll take away the 11% that you
• 7:34
  Speaker 5: paid a village, just pay the half percent, but you
• 7:37
  Speaker 5: end up actually paying $ 50 more and than you did
• 7:41
  Speaker 5: on the 11%.
• 7:44
  Speaker 1: What is this, an income tax?
• 7:46
  Speaker 5: Yeah, it's an income tax.
• 7:48
  Speaker 1: In Latonia, because I confess I'm not familiar with it.
• 7:52
  Speaker 1: So they want to put a new income tax on?
• 7:56
  Speaker 5: Yes, by a half percent they want to raise the
• 7:59
  Speaker 5: income tax, but to 2%. And then the mayor's telling people,
• 8:05
  Speaker 5: and he's going to retirees and go... Well, I'm taking
• 8:09
  Speaker 5: away the 11% of your property tax that the Village
• 8:12
  Speaker 5: Connect collects, and you won't have to pay for it anyways.
• 8:17
  Speaker 5: But when the working class looks at the half percent increase,
• 8:21
  Speaker 5: all right, that half percent increase is actually the average
• 8:25
  Speaker 5: person would pay $ 50 more than the 11%. So he's
• 8:32
  Speaker 5: not really taking it away, dividing his community between retirees
• 8:37
  Speaker 5: and and the working class.
• 8:39
  Speaker 7: Right.
• 8:40
  Speaker 5: And then they're turning around, they spend $ 258, 000 on a
• 8:44
  Speaker 5: bathroom for the splash pad, and they had to take
• 8:49
  Speaker 5: out a $ 150, 000 loan to cover the rest. Then they
• 8:54
  Speaker 5: want to build a dog park on railroad property and
• 8:58
  Speaker 5: pay rent every year on that property, plus the maintenance
• 9:02
  Speaker 5: and to maintain it, let alone to build it. They
• 9:05
  Speaker 5: have a park on top of the hill that they
• 9:07
  Speaker 5: could go and look at using part of it and
• 9:11
  Speaker 5: not have to pay any rent yearly for a dog park.
• 9:15
  Speaker 5: So it sounds to me it's more like a tax
• 9:18
  Speaker 5: and spend issue with the village. But they want to
• 9:22
  Speaker 5: put it on the backs of the working class that
• 9:25
  Speaker 5: are struggling. And I don't think that's fair.
• 9:27
  Speaker 1: Well, it sounds to me like you're on the fence
• 9:30
  Speaker 1: that you don't know how you're going to vote. Well,
• 9:33
  Speaker 1: I don't. It sounds to me like you just haven't
• 9:37
  Speaker 1: made up your mind, and you just haven't done enough research. Well, okay,
• 9:41
  Speaker 1: so I would think, based on what you said, that
• 9:46
  Speaker 1: many of your constituents might agree with you on that.
• 9:49
  Speaker 1: It's a hefty increase, so you're saying you're already paying, what,
• 9:51
  Speaker 1: a 1.5% income tax?
• 9:53
  Speaker 5: Yes, it would take it to 2%.
• 9:55
  Speaker 4: Yeah.
• 9:56
  Speaker 5: And what's that going to do for growth for the villages?
• 9:59
  Speaker 5: And that's... one of my other points. Is it really
• 10:01
  Speaker 5: going to encourage people to move there or business?
• 10:05
  Speaker 1: You remember this. They're not going to be happy until
• 10:08
  Speaker 1: they have all of your money. Just remember that, all right?
• 10:12
  Speaker 5: Well, here's the other thing. They want the tax increase,
• 10:15
  Speaker 5: but they want to put all the money into the
• 10:16
  Speaker 5: general fund under control of the council and the mayor. So,
• 10:23
  Speaker 5: I mean, it's really kind of a weird situation, but
• 10:28
  Speaker 5: it's not. How do you divide your community between retirees
• 10:33
  Speaker 5: and the working class? And you tell one group, just
• 10:36
  Speaker 5: pay more. But you're kind of, you know.
• 10:40
  Speaker 1: I get you.
• 10:40
  Speaker 5: You need things for your village.
• 10:42
  Speaker 1: Right.
• 10:43
  Speaker 8: You know what I mean?
• 10:43
  Speaker 1: But you're saying, do we really need to... some of
• 10:47
  Speaker 1: the stuff that they want to spend it on. All right,
• 10:48
  Speaker 1: I'll put it out there and see what people say.
• 10:50
  Speaker 5: One last thing, and it's a small village. They're paying
• 10:54
  Speaker 5: two administrators right now. But thank you.
• 10:58
  Speaker 1: Thank you. You're on the air.
• 11:02
  Speaker 9: Ryan, today at Mobile Gas Station, the price was $ 4. 79
• 11:09
  Speaker 9: a gallon.
• 11:09
  Speaker 1: In Fort Lauderdale?
• 11:11
  Speaker 9: Yeah, for cash customers only.
• 11:15
  Speaker 1: Oh, fine. $ 4. 80 if you paid cash.
• 11:18
  Speaker 9: Yeah.
• 11:18
  Speaker 1: So you're at basically $ 5 a gallon down there.
• 11:22
  Speaker 9: Yeah, we are, but gas prices have come down a bit,
• 11:25
  Speaker 9: and I'm guessing because all the snowbirds have gone home
• 11:29
  Speaker 9: and less demand for gas. Now, I'm calling to repute
• 11:38
  Speaker 9: everything Rich said yesterday. But first, I want to commend
• 11:41
  Speaker 9: the boss lady. for knowing more about Lexner than I do.
• 11:48
  Speaker 9: Lex Rexner.
• 11:49
  Speaker 1: That wasn't the boss lady. That was Denise.
• 11:52
  Speaker 9: Oh, Denise?
• 11:53
  Speaker 1: Okay.
• 11:54
  Speaker 9: We should be listening to her, not she, too. She's
• 11:57
  Speaker 9: far more informed on who's pulling the strings on Donald
• 12:02
  Speaker 9: Trump and members of Congress. And she's a very intelligent woman.
• 12:07
  Speaker 9: I give her a lot of credit.
• 12:09
  Speaker 1: Are you talking about the person who was... Called about,
• 12:12
  Speaker 1: is it called APAC or whatever?
• 12:15
  Speaker 9: I believe that was the one, yeah.
• 12:17
  Speaker 1: Yeah, I don't think that was a, I think that
• 12:19
  Speaker 1: was a different guy. That wasn't a woman, that was
• 12:21
  Speaker 1: a guy that called me. Very smart.
• 12:23
  Speaker 9: No, no, this was a woman.
• 12:25
  Speaker 1: Well, I had a guy that called me yesterday that
• 12:28
  Speaker 1: was talking about the Tucker Carlson interview with Marjorie Taylor Greene.
• 12:33
  Speaker 1: And he was basically talking about... I think it's called AIPAC.
• 12:37
  Speaker 1: It's the lobbyist arm for Israel and how influential they
• 12:41
  Speaker 1: are as far as people that are in the Senate
• 12:45
  Speaker 1: and Congress and how that if you don't go along
• 12:49
  Speaker 1: with them, they kind of target you. There was a
• 12:51
  Speaker 1: caller that was talking about that yesterday and the influence
• 12:55
  Speaker 1: they have. And he was talking about Marjorie Taylor Greene's
• 12:57
  Speaker 1: interview with Tucker Carlson.
• 13:00
  Speaker 9: Now, this is the woman that follows Whitney Webb like
• 13:03
  Speaker 9: I do.
• 13:04
  Speaker 1: Okay, yeah, that was Denise, yeah.
• 13:06
  Speaker 10: Yeah.
• 13:07
  Speaker 9: Now, Rich, the pharmacist, thinks that gas prices will decrease
• 13:13
  Speaker 9: substantially if Washington passes a law outlawing the exportation of oil. But, Ron,
• 13:21
  Speaker 9: then the drug cartels will bribe government officials to let
• 13:25
  Speaker 9: them steal oil and sell it at substantial profits on
• 13:30
  Speaker 9: the dark market. You know, in the War of 1812,
• 13:33
  Speaker 9: the majority of Americans opposed the conquest of Canada, which
• 13:39
  Speaker 9: was not a threat. And some Americans turned to smuggling food, clothing, guns,
• 13:45
  Speaker 9: and ammunition to the British Army, despite the fact that
• 13:48
  Speaker 9: it was a capital crime. And Rich thinks the problem
• 13:52
  Speaker 9: is that we don't have enough laws and bureaucratic regulations.
• 13:57
  Speaker 9: That's why we have high gas prices. And he thinks
• 14:01
  Speaker 9: free market capitalism is the problem. He doesn't think executives
• 14:07
  Speaker 9: at oil companies should decide how much oil should be
• 14:10
  Speaker 9: exported and how much should be refined for domestic demand.
• 14:15
  Speaker 9: He thinks people like Donald Trump and Chuck Schumer should
• 14:19
  Speaker 9: be making these decisions. And you know what, Rich? How
• 14:24
  Speaker 9: about this? How about making it illegal for for Americans
• 14:28
  Speaker 9: to travel or vacation overseas. Just think of all that
• 14:32
  Speaker 9: money that Americans would spend here at home. And, you know,
• 14:36
  Speaker 9: many drugs are illegal, but does that stop the flow
• 14:39
  Speaker 9: of drugs? Now, Rich, Iran's strategy, Ron, is to cripple
• 14:46
  Speaker 9: us economically, and it is working. High gas prices are
• 14:50
  Speaker 9: one piece of evidence, and rising unemployment is another. and
• 14:55
  Speaker 9: the national debt is now $ 40 trillion. You know, Ron,
• 15:03
  Speaker 9: your Chinese government bond is only paying 1.7%.
• 15:09
  Speaker 1: Hold on a second. Frank from Fort Lauderdale. And more
• 15:12
  Speaker 1: calls straight ahead.
• 15:13
  Speaker 11: 330-729-9977.
• 15:13
  Speaker 1: I'll be right back. 570-WKBN. All right, let me cut
• 15:20
  Speaker 1: to the chase with Fort Lauderdale. Frank, as I bring
• 15:22
  Speaker 1: up my CNBC ticker here, buddy. Everything way up today, Ron. Yeah,
• 15:28
  Speaker 1: 869 to Dow. S & P' s up 80. NASDAQ's up 250.
• 15:32
  Speaker 1: The Russell's up 55. It says Dow rallies 700 points.
• 15:36
  Speaker 1: S & P 500 hits new high. A strong alphabet.
• 15:40
  Speaker 1: Caterpillar earnings overshadow probably the controversy in the Middle East.
• 15:46
  Speaker 1: So what do you make of that as far as
• 15:47
  Speaker 1: the earnings and the stocks going up today?
• 15:51
  Speaker 9: Well, I want to explain to Rich that investment markets
• 15:55
  Speaker 9: are forward-looking, not backwards-looking. When I do stock analysis, if
• 16:00
  Speaker 9: I see an historical P multiple, I ignore it. I
• 16:04
  Speaker 9: only use four P multiples. Now, Ron, the stock market
• 16:09
  Speaker 9: is highly overvalued. That's because all the inflation trumps money
• 16:14
  Speaker 9: creation spree goes into the stock market, the bond market,
• 16:18
  Speaker 9: and the money markets. If Trump stopped cranking up digital
• 16:23
  Speaker 9: money creation, the markets would be much lower and reflect
• 16:27
  Speaker 9: more reasonable valuations. And the feds..
• 16:31
  Speaker 1: Wait a minute. It says Google Cloud growth tops Microsoft
• 16:35
  Speaker 1: and Amazon as all three beat estimates on AI demand.
• 16:39
  Speaker 1: I mean, economically, I mean... I read some of this
• 16:43
  Speaker 1: kind of stuff and make no mistake about it, about it.
• 16:46
  Speaker 1: I mean, and I see the stock market going up,
• 16:48
  Speaker 1: but you can't have $ 5 a gallon gas and the
• 16:52
  Speaker 1: inflation that comes from it and the cost of everything
• 16:55
  Speaker 1: going up and tell everybody everything is great. I mean,
• 17:01
  Speaker 1: I mean, it just, it just doesn't, it doesn't add
• 17:04
  Speaker 1: up to me. I mean, I would be a hypocrite.
• 17:06
  Speaker 1: I was I was bitching during that going on during Biden,
• 17:10
  Speaker 1: but I'm supposed to ignore it during Trump because Trump
• 17:13
  Speaker 1: is the president. Well, I can't do that. I'm supposed
• 17:15
  Speaker 1: to say, OK, this is only temporary. Remember in Biden,
• 17:18
  Speaker 1: they said it was transitory. Now they're saying, well, this
• 17:22
  Speaker 1: is all temporary till we can get through this situation
• 17:25
  Speaker 1: in Iran. OK, define temporary to me. When do you
• 17:29
  Speaker 1: think that's going to be? Is that going to be
• 17:31
  Speaker 1: a week from now, a month from now, two months
• 17:34
  Speaker 1: from now? What is temporary? Because at $ 5 a gallon,
• 17:40
  Speaker 1: you are really hurting everyone who's listening out there. And
• 17:45
  Speaker 1: inflation will rear back. It'll be unbelievable what's going to
• 17:49
  Speaker 1: happen with inflation and with the economy. I mean, that's
• 17:55
  Speaker 1: my take, even as I look at an up market today.
• 17:57
  Speaker 1: I mean, I'm looking at a market that's good for
• 18:00
  Speaker 1: your 401k and all that kind of jazz. There's nothing
• 18:03
  Speaker 1: wrong with that. By the way, did you hear where
• 18:06
  Speaker 1: they say AI could take away 50% of the white-collar jobs, Frank?
• 18:10
  Speaker 1: Have you seen that? They say AI, within three years,
• 18:13
  Speaker 1: could take away 50% of white-collar jobs.
• 18:17
  Speaker 9: Yeah, you better send your kids to homeschool your kids
• 18:21
  Speaker 9: to learn how to do complicated math because only people
• 18:26
  Speaker 9: with high school levels will have jobs and everybody else won't.
• 18:30
  Speaker 9: like McDonald workers will be replaced by robots.
• 18:34
  Speaker 1: I think you better train them to be plumbers and
• 18:36
  Speaker 1: carpenters and drywall people, people that actually do something for
• 18:41
  Speaker 1: a living because they're not talking about blue-collar workers, although
• 18:43
  Speaker 1: I'm sure they'll be affected by automation. But can you
• 18:46
  Speaker 1: imagine 50% of white-collar workers in a short period of time,
• 18:50
  Speaker 1: I'm not talking far out there, losing their jobs with
• 18:53
  Speaker 1: AI at the same time that we're letting all these
• 18:56
  Speaker 1: people into our country? It makes zero sense to.
• 19:00
  Speaker 9: Me Plus HB1 visas, Ron.
• 19:03
  Speaker 1: Yeah, so we're letting exactly right.
• 19:06
  Speaker 9: See, he's talking about importing cheap labor.
• 19:09
  Speaker 1: Yeah, Frank's talking about these visas. We're letting all these
• 19:13
  Speaker 1: people in with these degrees out of India to cut
• 19:16
  Speaker 1: the throat of standby. I'm going to talk some more
• 19:19
  Speaker 1: to Frank here. Actually, we can make some interesting points
• 19:22
  Speaker 1: if you stay tuned. And cause this is an interesting topic.
• 19:26
  Speaker 1: I want you to hear it. We'll be right back
• 19:27
  Speaker 1: after news radio, five 70 WKV. Welcome boys and girls,
• 19:31
  Speaker 1: three 35 news radio, five 70 WKVN. You know, there's
• 19:36
  Speaker 1: a Fort Lauderdale, Frank fans and foes. I mean, either
• 19:39
  Speaker 1: love them or you hate them, but, but he's making
• 19:41
  Speaker 1: a legitimate point. So you have all of these visas
• 19:45
  Speaker 1: that they want to let into this country. The people
• 19:47
  Speaker 1: from india and stuff that are uh what do you
• 19:51
  Speaker 1: call them uh high highly educated highly skilled in the
• 19:54
  Speaker 1: computer industry and that kind of stuff they they bring
• 19:57
  Speaker 1: them in and then they lower the wages for the
• 20:02
  Speaker 1: americans that are schooled in that am i so far
• 20:05
  Speaker 1: so good frank they they lower the wages for the
• 20:08
  Speaker 1: americans that are skilled in that At a time when
• 20:13
  Speaker 1: we let all of these people, any people into our country,
• 20:18
  Speaker 1: I don't care if it's legal or illegal immigration, when
• 20:20
  Speaker 1: they're talking about AI eliminating 50% of white-collar jobs. So
• 20:26
  Speaker 1: you're going to ask yourself, what are we going to
• 20:28
  Speaker 1: do with all of these people? 50% of white-collar jobs.
• 20:32
  Speaker 12: Right.
• 20:34
  Speaker 1: Just mull that over for a second. The dramatic change
• 20:36
  Speaker 1: that they say is coming in a very short period
• 20:39
  Speaker 1: of time. We're talking from now to three years from now.
• 20:44
  Speaker 1: So it's going to be very quickly here. So these
• 20:47
  Speaker 1: people that are educated and highly skilled, many of them
• 20:50
  Speaker 1: are going to lose their jobs to AI because they
• 20:53
  Speaker 1: won't be necessary. So now, am I on target, Frank?
• 20:59
  Speaker 9: 100%, Ron. I read an article about... some of the
• 21:04
  Speaker 9: best certified financial planners in New York City that were
• 21:10
  Speaker 9: making an average of $ 2 million a year.
• 21:13
  Speaker 2: Yeah.
• 21:13
  Speaker 9: They got fired by certified financial planners from India willing
• 21:19
  Speaker 9: to work for $ 500, 000 a year. $ 500, 000, they'd probably be happy.
• 21:21
  Speaker 13: For $ 100, 000.
• 21:21
  Speaker 1: But there's also conversation on how AI is going to
• 21:24
  Speaker 1: change that whole industry as well from the... for financial
• 21:35
  Speaker 1: planners and stuff. AI is..
• 21:37
  Speaker 9: It's the wrong way to go on that, Ron. They've
• 21:40
  Speaker 9: already tried that, and it continues to fail and fail.
• 21:44
  Speaker 9: You need a human being to do financial planning. Maybe
• 21:48
  Speaker 9: that day will come someday, but that's far into the
• 21:51
  Speaker 9: future at this point. But, you know, I wanted to
• 21:56
  Speaker 9: quote you an article. Here's the problem the U.S. faces
• 22:00
  Speaker 9: trying to impose a blockade... If U.S. stops an Iranian
• 22:04
  Speaker 9: vessel and takes control of it, the U.S. Navy must
• 22:08
  Speaker 9: assign one ship to accompany it to the location the U.S. controls.
• 22:13
  Speaker 4: But the U.S.
• 22:14
  Speaker 9: Does not have enough Navy ships to carry out such
• 22:18
  Speaker 9: a mission on a broad scale. All Iran needs to
• 22:22
  Speaker 9: do is load up 20 tankers and send them to
• 22:26
  Speaker 9: sea simultaneously. The U.S. may be able to stop two
• 22:30
  Speaker 9: or three but the rest will penetrate the blockade and
• 22:34
  Speaker 9: arrive at their destinations.
• 22:36
  Speaker 1: Listen, just from my catbird seat, it seems to me
• 22:40
  Speaker 1: that things are going pretty well. I mean, as far
• 22:43
  Speaker 1: as taking out a lot of the military structures, it
• 22:48
  Speaker 1: seems to me the bombing campaign has gone really well,
• 22:51
  Speaker 1: and it seems to me the blockade has been going
• 22:55
  Speaker 1: really well. And it seems to me that Iran has
• 22:59
  Speaker 1: got some serious issues financially going on there. And, I mean,
• 23:05
  Speaker 1: so if you look at the mission, I mean, if
• 23:07
  Speaker 1: you objectively look at the mission, set all your Trump
• 23:10
  Speaker 1: hatred aside and all that kind of stuff, it's been
• 23:13
  Speaker 1: executed fairly well so far. I mean, it's– and the
• 23:18
  Speaker 1: people that are in the know are saying– It's just
• 23:21
  Speaker 1: a short, short matter of time that they're finished because
• 23:24
  Speaker 1: they cannot go on like this with this blockade. Now,
• 23:30
  Speaker 1: are they right? I hope they are. I hope it's successful.
• 23:35
  Speaker 1: And I hope things can be rectified. If they're wrong...
• 23:41
  Speaker 1: then we have to look at what damage it will
• 23:43
  Speaker 1: be to the American economy. I mean, I don't know
• 23:46
  Speaker 1: how else to describe it. I don't think things are
• 23:49
  Speaker 1: going bad. I think what they're executing has gone extremely well.
• 23:53
  Speaker 1: I'm hoping that these people that know way more than
• 23:56
  Speaker 1: I do are smart enough to say this is a strategy,
• 24:01
  Speaker 1: and it seems to be tightening the noose, I should say,
• 24:06
  Speaker 1: on them.
• 24:07
  Speaker 4: So..
• 24:08
  Speaker 1: Maybe, just maybe it'll work out.
• 24:12
  Speaker 9: Have been telling us, oh, the war's going to end
• 24:14
  Speaker 9: in a couple weeks. We're collapsing the Iranian economy. And
• 24:19
  Speaker 9: then two weeks later, all the Iranian economy's on verge
• 24:23
  Speaker 9: of collapse. You know that the Pakistanians, Pakistan has opened
• 24:31
  Speaker 9: six corridors with Iran to bypass the U.S. blockade. more
• 24:37
  Speaker 9: than three thousand containers bound for iran or be intransited
• 24:42
  Speaker 9: over land now ron i i i don't i'm not
• 24:45
  Speaker 9: a military expert but it doesn't sound to me that
• 24:49
  Speaker 9: this war might be over in the near future we
• 24:52
  Speaker 9: may be in a quagmire and i don't think washington
• 24:56
  Speaker 9: is telling us the truth i don't think anybody really
• 24:59
  Speaker 9: knows how long this war is going to continue that is.
• 25:02
  Speaker 1: Correct And here's the reality, Jimmy P., that says, Florida
• 25:09
  Speaker 1: boy is getting old. Can we please move on? See,
• 25:12
  Speaker 1: if people don't agree with you as a Trump cheerleader
• 25:14
  Speaker 1: all of a sudden, oh, he's got to go, he's
• 25:16
  Speaker 1: got to go. But instead of listening, because no one
• 25:19
  Speaker 1: can really– I got a lot of this yesterday. It's like, oh,
• 25:23
  Speaker 1: you can't– there's this contingent of people that if you
• 25:27
  Speaker 1: even bitch the littlest bit about anything Trump does, they
• 25:32
  Speaker 1: are like the Biden supporters. The Biden supporters had blinders on.
• 25:36
  Speaker 1: It didn't matter anything that Biden did, how the economy
• 25:39
  Speaker 1: was going, or anything. They supported Biden. Follow me? They
• 25:43
  Speaker 1: supported him 100%. And you have that same thing when
• 25:47
  Speaker 1: it comes to Trump. You have people with blinders on.
• 25:50
  Speaker 1: No matter what he does, I support him 100%. As
• 25:53
  Speaker 1: I've said a million times, I'm not going to sit
• 25:54
  Speaker 1: here as a cheerleader for any one of these people.
• 25:57
  Speaker 1: I hope he's right. I hope this comes to an end.
• 26:01
  Speaker 1: And I hope prices come down. Because what happened to
• 26:04
  Speaker 1: the America First agenda? What happened to the affordability crisis?
• 26:09
  Speaker 1: We have $ 5 a gallon gasoline. We have inflation coming
• 26:12
  Speaker 1: back at a rapid pace. And we have people that
• 26:15
  Speaker 1: are suffering as a result of it. You know, I
• 26:17
  Speaker 1: sit back here for all of the people who hate
• 26:19
  Speaker 1: to hear anything bad about Trump. We have our electric
• 26:22
  Speaker 1: prices have doubled. So people are paying more for their electricity.
• 26:26
  Speaker 1: People are paying more for their natural gas. People's property
• 26:29
  Speaker 1: taxes have gone up. Their gasoline is $ 5 a gallon.
• 26:33
  Speaker 1: Their food prices are going to go back up. How
• 26:37
  Speaker 1: long do you expect these people to say, this is
• 26:40
  Speaker 1: all okay. We're going to ride it out for the
• 26:43
  Speaker 1: short term. Because what is the short term? Is that
• 26:46
  Speaker 1: a month? Is that six months? And how many of
• 26:49
  Speaker 1: them can ride it out because you're smothering them economically?
• 26:55
  Speaker 1: So I say get back to the American first agenda,
• 26:58
  Speaker 1: get back to the affordability issue, and start doing that
• 27:03
  Speaker 1: as well, and we shall see. I hope that he's
• 27:06
  Speaker 1: done with this Iran thing tomorrow or a week from now,
• 27:10
  Speaker 1: and it all works out fine. But if this drags
• 27:12
  Speaker 1: on six months, that's– I mean, we shall see. I mean–
• 27:19
  Speaker 1: And you are correct. I mean, I remind everybody, Iran
• 27:22
  Speaker 1: did say that they can destroy our economy, too. And
• 27:26
  Speaker 1: you're 100 percent correct. And if you look at where
• 27:28
  Speaker 1: things are going, we're taking some hits as well. So
• 27:32
  Speaker 1: we shall see. All right, Frank. Appreciate it. They love him.
• 27:36
  Speaker 1: They hate him. But listen, I'm going to just tell
• 27:39
  Speaker 1: you straightforward. I voted for Trump three times and I'll
• 27:43
  Speaker 1: never be a cheerleader. There are things that he does
• 27:47
  Speaker 1: that if you don't agree with him, don't become blindsided
• 27:51
  Speaker 1: and say, it's only the Republican Party. I can't disagree
• 27:54
  Speaker 1: with anything. Everything he does is terrific. I said this
• 28:00
  Speaker 1: yesterday and I'll say it to you again. I did
• 28:02
  Speaker 1: not support how he treated Tucker Carlson, how he treated
• 28:06
  Speaker 1: Marjorie Taylor Greene. And I don't applaud that at all.
• 28:11
  Speaker 1: People that were there for him when he was trying
• 28:13
  Speaker 1: to get reelected, on stage, championing him, Marjorie Taylor Greene
• 28:17
  Speaker 1: all along, and simply because they disagreed with him on
• 28:20
  Speaker 1: Epstein and releasing those files, which was a legitimate complaint
• 28:26
  Speaker 1: that those people have, and many people have. It was
• 28:29
  Speaker 1: a gigantic— it was bizarre. When they were talking about the
• 28:33
  Speaker 1: Epstein situation, releasing the files, then all of a sudden it's, ah,
• 28:36
  Speaker 1: that again. That's old news. No, we're just talking about it.
• 28:41
  Speaker 1: You were talking about releasing all the files and all
• 28:42
  Speaker 1: the information, and all of a sudden everything changed with you, Donald.
• 28:48
  Speaker 1: So because that upsets Marjorie Taylor Greene or that upsets
• 28:52
  Speaker 1: Tucker Carlson, these people, because they say that's not right.
• 28:57
  Speaker 1: Or because those people also say they don't agree with
• 29:00
  Speaker 1: the situation in Iran, they weren't an imminent threat, and
• 29:03
  Speaker 1: they think that this was influenced by Israel and that
• 29:08
  Speaker 1: it wasn't in America's best interest. All of a sudden,
• 29:12
  Speaker 1: you attack those people? The people that helped you get elected,
• 29:16
  Speaker 1: all of a sudden you say they're low IQ, they're
• 29:18
  Speaker 1: like scum? Marjorie Taylor Greene, who You got on stage
• 29:25
  Speaker 1: with you when you first ran, was one of your
• 29:27
  Speaker 1: earliest supporters. And then when you ran every time and
• 29:30
  Speaker 1: all of a sudden she disagrees with you on Epstein.
• 29:33
  Speaker 1: And now you just insult her, call her a traitor
• 29:37
  Speaker 1: and all that kind of stuff. That's not a trait
• 29:38
  Speaker 1: I find admirable. it's okay in the United States of
• 29:43
  Speaker 1: America to say I like 80% or 90% of what
• 29:47
  Speaker 1: this guy's doing but this stuff bothers me and that's
• 29:51
  Speaker 1: what Tucker did that's what Marjorie Taylor Greene did and
• 29:56
  Speaker 1: then to attack him like he did I think that's
• 29:58
  Speaker 1: bizarre There's nothing about it I like. And I sit
• 30:08
  Speaker 1: there and say, what's going on here? Now, you got
• 30:16
  Speaker 1: the other camp that's a bunch of cheerleaders that just
• 30:23
  Speaker 1: are oblivious to everything and whatever it is, everything's okay,
• 30:26
  Speaker 1: whatever he does. And sometimes I don't think people really
• 30:31
  Speaker 1: understand what Fort Lauderdale Frank says at times, what he's
• 30:34
  Speaker 1: talking about with the visas that he's talking about, about
• 30:38
  Speaker 1: letting all these people into our country from India that
• 30:41
  Speaker 1: are highly skilled in these computer areas that cut the
• 30:45
  Speaker 1: throat of American kids that are schooled in it, bring
• 30:47
  Speaker 1: the wages down in it. But the argument now is
• 30:51
  Speaker 1: with AI taking this stuff over, What are all these
• 30:59
  Speaker 1: people going to do? Why are we letting anybody into
• 31:00
  Speaker 1: our country? We're going to have a serious problem with
• 31:05
  Speaker 1: jobs for people. And these people are saying this, aren't
• 31:09
  Speaker 1: talking 10 years from now, they're talking from now, the
• 31:13
  Speaker 1: next year and year after that, relatively quickly here. So
• 31:20
  Speaker 1: let's take a look at some of this stuff. Listen,
• 31:23
  Speaker 1: I want Trump to get back to the American first agenda.
• 31:29
  Speaker 1: Let's deal with affordability. Let's get prices down. Let's get
• 31:32
  Speaker 1: inflation down. Let's get the golden age going. I realize
• 31:41
  Speaker 1: you can't put a timeline on the end of this
• 31:43
  Speaker 1: situation in Iran. And once again, it seems everything's going
• 31:48
  Speaker 1: good and I hope that it can conclude quickly. But
• 31:53
  Speaker 1: it takes two to do that. And if Iran rides
• 31:55
  Speaker 1: it out and says, well, we're not doing any of
• 31:58
  Speaker 1: this or we're not going to go along with it.
• 32:01
  Speaker 1: And I don't know what, what the situation is there.
• 32:07
  Speaker 1: So we shall see. There's many people that don't feel
• 32:12
  Speaker 1: we should have got involved in this at all, that
• 32:15
  Speaker 1: it wasn't our best interest from the, from the very beginning.
• 32:17
  Speaker 1: So we shall see. I mean, I hope, but then again,
• 32:22
  Speaker 1: they all know more than we do because they're in,
• 32:24
  Speaker 1: they're on top of this stuff. You're on here.
• 32:26
  Speaker 14: Good.
• 32:28
  Speaker 10: Good.
• 32:33
  Speaker 1: Go ahead. It's JJ, the liberal.
• 32:36
  Speaker 2: No, I just, I was just listening to your comments
• 32:38
  Speaker 2: there and, and, uh, I've never been a, uh, you know,
• 32:42
  Speaker 2: just likewise, I was never a, uh, a cheerleader for Biden.
• 32:46
  Speaker 2: You know, I thought the doors times that he had
• 32:48
  Speaker 2: made some, some positive moves, um, despite, you know, in
• 32:51
  Speaker 2: spite of what you, you know, other people say, but
• 32:54
  Speaker 2: it was also a lot of mistakes you made. And
• 32:56
  Speaker 2: if you, if you don't call anybody out, on something,
• 33:00
  Speaker 2: then that just shows two things. If somebody's always agreeing
• 33:04
  Speaker 2: with you, Ron, either they want something or they're just
• 33:10
  Speaker 2: kissing your rear end. That shows some character to be
• 33:16
  Speaker 2: able to say, no, I don't agree with you. Again,
• 33:20
  Speaker 2: that was one thing that I've seen a change in you. Again,
• 33:25
  Speaker 2: you were never a cheerleader, but I've noticed that and
• 33:27
  Speaker 2: you've You know, again, you're telling some of the people,
• 33:30
  Speaker 2: and I don't like these people calling. You know, they
• 33:32
  Speaker 2: always say about they don't like us calling in Frank
• 33:34
  Speaker 2: or me or Emmanuel.
• 33:36
  Speaker 1: That's America.
• 33:37
  Speaker 2: And jumping all over you. And you handled it quite,
• 33:40
  Speaker 2: you know, quite.
• 33:41
  Speaker 1: Listen, I don't mind at all. I just like to
• 33:43
  Speaker 1: put the parameters out there. It seems things are going well.
• 33:46
  Speaker 1: But the reality is you better get focused back on
• 33:50
  Speaker 1: what's going on in this country with our citizens. And
• 33:54
  Speaker 1: economics are a major factor going on right now with
• 33:57
  Speaker 1: every family in this country.
• 34:00
  Speaker 2: Yeah, and every time I went to get gas today, and,
• 34:05
  Speaker 2: you know, I had to take a loan out. So
• 34:08
  Speaker 2: I have to, I owe PNC a handful of money.
• 34:11
  Speaker 2: I have to make payments every month on that. Anyway,
• 34:13
  Speaker 2: people were just, you could just tell in their faces
• 34:15
  Speaker 2: as they were going in, and it was almost like
• 34:17
  Speaker 2: they were handing the money over to the cashier, and
• 34:19
  Speaker 2: they were, you know, holding on to it like a
• 34:21
  Speaker 2: death grip.
• 34:22
  Speaker 1: Oh, the thing is, think about this. Four gallons is
• 34:25
  Speaker 1: 20 bucks.
• 34:26
  Speaker 15: Yep.
• 34:27
  Speaker 1: Four gallons.
• 34:28
  Speaker 2: Four gallons isn't too, you know, I mean, I've got
• 34:30
  Speaker 2: a four-door that's, you know, it's 2008, but it's, you know,
• 34:35
  Speaker 2: that's 20 bucks. That four gallons isn't, you know, it
• 34:38
  Speaker 2: puts a couple little notches in the tank. That's about it.
• 34:40
  Speaker 2: So it's, again, I don't know. I can understand that
• 34:44
  Speaker 2: people are still supporting him.
• 34:46
  Speaker 1: Well, listen, all I'm trying to say is at five
• 34:48
  Speaker 1: bucks and diesel at six bucks a gallon, you don't
• 34:50
  Speaker 1: think that's going to raise your trash bill? You don't
• 34:53
  Speaker 1: think it costs a lot more for them to fill
• 34:55
  Speaker 1: up the garbage truck than that comes around your streets
• 34:59
  Speaker 1: once a week and picks up your trash? You think
• 35:00
  Speaker 1: they're just going to absorb that? They're either going to
• 35:06
  Speaker 1: put a fuel charge on or they're going to up
• 35:09
  Speaker 1: the price because that's just one of many things that
• 35:12
  Speaker 1: is going up. So the reality is you think it's
• 35:16
  Speaker 1: not going to affect your groceries getting delivered? The same
• 35:19
  Speaker 1: arguments I made against Biden with high energy prices from
• 35:22
  Speaker 1: the farmer needing diesel to the truck getting your food
• 35:25
  Speaker 1: to the store to the garbage truck to you driving around,
• 35:28
  Speaker 1: the same arguments apply today as they did then. It
• 35:32
  Speaker 1: is inflation driven. We're an oil based economy. And this
• 35:37
  Speaker 1: idea of, well, just hang on a little bit of time. Well,
• 35:39
  Speaker 1: what's a little bit of time?
• 35:42
  Speaker 2: Exactly. A little bit of time could be, it depends
• 35:44
  Speaker 2: on your perception of what a little bit of time is.
• 35:47
  Speaker 2: It could be an hour or two, or it could
• 35:49
  Speaker 2: be a month and a half. So again, that's kind
• 35:52
  Speaker 2: of a vague thing. And I don't want to..
• 35:55
  Speaker 1: And take a look at the airlines and what's happening
• 35:59
  Speaker 1: to them. They're canceling flights. You want to buy a ticket,
• 36:01
  Speaker 1: stand by. I'll come back to JJ the Liberal in
• 36:03
  Speaker 1: more of your calls. I mean, you've got to deal
• 36:05
  Speaker 1: with reality. NewsRadio 570 WKBN. I'll be right back. 570 WKBN.
• 36:16
  Speaker 1: All righty. News Radio 570 to ODKBN 356. I think
• 36:20
  Speaker 1: you made your point, didn't you, buddy?
• 36:22
  Speaker 2: Yeah. I just want to make that just give me
• 36:24
  Speaker 2: 15 seconds. One thing I wanted to let you guys
• 36:26
  Speaker 2: know is that when anybody calls anybody a name like,
• 36:30
  Speaker 2: you know, he's a dictator or he's a fascist or
• 36:33
  Speaker 2: whatever it might be, that is not hate speech. Hate
• 36:36
  Speaker 2: speech is in reference to religion, race.
• 36:39
  Speaker 1: Well, but I don't agree with that. I mean, I'm
• 36:44
  Speaker 1: tired of the Hitlers and the fascists and all this
• 36:46
  Speaker 1: kind of stuff.
• 36:47
  Speaker 2: Yeah, I know.
• 36:47
  Speaker 12: It's not good speech.
• 36:48
  Speaker 2: I understand that.
• 36:49
  Speaker 1: Right.
• 36:49
  Speaker 2: People got to understand that one guy called the other
• 36:51
  Speaker 2: day was saying that it's not.
• 36:54
  Speaker 1: All right.
• 36:54
  Speaker 2: But anyway, I appreciate again what you're doing.
• 36:56
  Speaker 1: And thanks.
• 36:57
  Speaker 2: All right.
• 36:57
  Speaker 1: Because it keeps all I'm saying is I keep hearing
• 37:01
  Speaker 1: every day. Iran wants to make a deal. Iran wants
• 37:03
  Speaker 1: to make a deal. Well, where is it? I mean,
• 37:07
  Speaker 1: I've been hearing this every day. Iran wants to make
• 37:10
  Speaker 1: a deal. Iran wants to make a deal. He's saying
• 37:13
  Speaker 1: it again today. Well, where is the deal, Lynn? You're
• 37:17
  Speaker 1: on the air.
• 37:18
  Speaker 16: Hi.
• 37:19
  Speaker 7: Poland Library. We are just sick about it. Oh, I
• 37:23
  Speaker 7: can't even express it. You would think they knew that
• 37:27
  Speaker 7: there was something wrong with the foundation. Wouldn't you bring
• 37:30
  Speaker 7: in the architect, the engineers, and try to make them
• 37:34
  Speaker 7: fix it right years ago? You know, I'm sorry, we're
• 37:37
  Speaker 7: all just sick about it.
• 37:39
  Speaker 1: Well, and you should be. You were totally ignored. It
• 37:41
  Speaker 1: didn't matter what the community thought or what your opinion was.
• 37:44
  Speaker 7: Exactly, exactly. I just, all I wanted to say is
• 37:49
  Speaker 7: I back you. I'm glad you brought the subject up.
• 37:51
  Speaker 7: Maybe somehow we could, you know how you have an
• 37:54
  Speaker 7: appeal when you have a verdict?
• 37:56
  Speaker 1: I think it's a, really, I think it's a done deal.
• 37:58
  Speaker 1: I don't think they give a damn what people say.
• 38:00
  Speaker 17: Well, I knew it was from the beginning.
• 38:01
  Speaker 10: Right.
• 38:01
  Speaker 7: It was from the beginning. And very quickly, you talked
• 38:04
  Speaker 7: about the missing scientists. on the overnight show, Coast to Coast.
• 38:09
  Speaker 7: The first two hours, he's going to have an update
• 38:11
  Speaker 7: on them.
• 38:12
  Speaker 1: Good. Thank you, dear. Appreciate it. Ron Furr back with
• 38:15
  Speaker 1: more of your calls. Long segment ahead. Legal show at 5.
• 38:19
  Speaker 1: Money Talks with John Arnold at 6.
• 38:26
  Speaker 18: From ABC News, I'm Michelle Franzen. The Senate failing for
• 38:30
  Speaker 18: a sixth time to pass a war powers resolution limiting
• 38:33
  Speaker 18: the president's war on Iran. That war now entering its
• 38:36
  Speaker 18: third month with talks on hold in Iran vowing to
• 38:39
  Speaker 18: fight back on U.S.
• 38:40
  Speaker 14: Aggression.
• 38:41
  Speaker 18: A blockade remains in the Strait of Hormuz leading to
• 38:44
  Speaker 18: a surge in oil and gas prices. President Trump says
• 38:47
  Speaker 18: he thinks those higher prices are temporary.
• 38:49
  Speaker 3: The gas will go down. As soon as the war
• 38:51
  Speaker 3: is over, it will drop like a rock. There's so
• 38:53
  Speaker 3: much of it. It's all over the place, sitting all
• 38:55
  Speaker 3: over the oceans.
• 38:58
  Speaker 18: Gas buddies Patrick DeHaan says getting that oil to the
• 39:01
  Speaker 18: pump won't happen as quickly as the price hikes.
• 39:03
  Speaker 2: We are now up to $ 4.
• 39:05
  Speaker 1: 35 a gallon. That's the highest level since July of 2022.
• 39:08
  Speaker 1: We're only $ 0. 16 a gallon away now from that $ 4. 50
• 39:12
  Speaker 1: a gallon mark.
• 39:14
  Speaker 19: And prices literally overnight in the Great Lakes up $ 1
• 39:17
  Speaker 19: a gallon because of refining issues at major refineries there
• 39:21
  Speaker 19: in that region.
• 39:22
  Speaker 18: In San Francisco, California's special refinery costs have led to
• 39:26
  Speaker 18: $ 7 a gallon. The partial government shutdown. set to end
• 39:30
  Speaker 18: with the President Trump's signature. Hopefully this hour, the House
• 39:33
  Speaker 18: passing the Senate-approved measure to fund most agencies of DHS.
• 39:37
  Speaker 18: After Democrats pushed for immigration reform, here's ABC's Jay O'Brien.
• 39:41
  Speaker 20: The House, by voice vote, passed this Senate legislation ending
• 39:46
  Speaker 20: the Department of Homeland Security partial government shutdown after 76 days.
• 39:51
  Speaker 20: There was not a recorded vote. There was no moment
• 39:54
  Speaker 20: of drama on the House floor. It was just by
• 39:56
  Speaker 20: the yays and nays, meaning people going yay and people
• 39:59
  Speaker 20: going nay. That's not how legislation is usually passed, but
• 40:02
  Speaker 20: it is now advanced.
• 40:03
  Speaker 21: And now it's headed to President Trump's desk.
• 40:05
  Speaker 18: President Trump announcing he's nominating Dr. Nicole Safier for Surgeon General,
• 40:09
  Speaker 18: saying she has the medical credentials to excel in the role.
• 40:12
  Speaker 18: The president pulled his previous pick, Dr. Casey Means, today,
• 40:16
  Speaker 18: who did not complete residency, was not board certified, and
• 40:19
  Speaker 18: did not have an active medical license. You're listening to
• 40:22
  Speaker 18: ABC News.
• 40:25
  Speaker 22: KBN.
• 40:26
  Speaker 1: Hi-dee-ho, 407 in the afternoon, News Radio 570, WKBN, and
• 40:29
  Speaker 1: Ron Verb, it's 52 degrees and you're on the air.
• 40:33
  Speaker 9: Ron.
• 40:34
  Speaker 1: Emmanuel.
• 40:36
  Speaker 8: Are you sitting down?
• 40:38
  Speaker 2: Yes.
• 40:40
  Speaker 8: I'm going to tell you something that you thought you'd
• 40:43
  Speaker 8: never hear.
• 40:46
  Speaker 1: Just so you know, I'm on the toilet when I'm
• 40:48
  Speaker 1: sitting down.
• 40:49
  Speaker 8: This will help you with your crap. I can't believe
• 40:57
  Speaker 8: that I am disagreeing with both you and and JJ
• 41:03
  Speaker 8: at the same time.
• 41:05
  Speaker 1: Go ahead.
• 41:06
  Speaker 8: Now, before I get to that, I got to tell
• 41:08
  Speaker 8: you something else, right? You told me a while back that,
• 41:11
  Speaker 8: you know, from experience that it costs money sending your
• 41:14
  Speaker 8: kids to school, right, college?
• 41:16
  Speaker 6: Yes.
• 41:16
  Speaker 8: But you didn't let me know that, you know, beginning
• 41:21
  Speaker 8: before the freshman year to now after the freshman year, right,
• 41:24
  Speaker 8: it costs me twice as much money to get down
• 41:26
  Speaker 8: there and go back and spend a day down there.
• 41:28
  Speaker 1: Yeah. Yeah. You mean just to drive down to visit
• 41:32
  Speaker 1: your daughter?
• 41:34
  Speaker 8: Yeah, and the motel room.
• 41:36
  Speaker 2: Yeah.
• 41:37
  Speaker 8: Because, you know, you can't stay on campus. You can't
• 41:38
  Speaker 8: even park on campus. If you stop on campus, you've
• 41:41
  Speaker 8: got to spend $ 20.
• 41:42
  Speaker 1: Well, when you put it in perspective, when I simply
• 41:46
  Speaker 1: say to people, when I'm looking at $ 5 a gallon,
• 41:49
  Speaker 1: you get four gallons of gas for $ 20. So if
• 41:53
  Speaker 1: you've got a five-gallon gas can, It's $ 25 just to
• 41:57
  Speaker 1: fill your gas can for a five-gallon gas can. This
• 42:01
  Speaker 1: is where we are, and I'm hearing today, Iran wants
• 42:04
  Speaker 1: to make a deal. Iran wants to make a deal.
• 42:06
  Speaker 1: Then where's the deal? Iran can't make.
• 42:09
  Speaker 4: A deal, Ron.
• 42:10
  Speaker 8: You're listening to the wrong people. They were just over
• 42:13
  Speaker 8: there in Russia, and Putin says he'll do whatever it
• 42:15
  Speaker 8: takes to have their back. They made a deal already.
• 42:19
  Speaker 8: But this is why I totally disagree with you and JJ. Now,
• 42:25
  Speaker 8: I hear you talk about, you know, you can support Trump,
• 42:32
  Speaker 8: but you don't have to agree with everything he says.
• 42:34
  Speaker 8: As a matter of fact, he does some things that
• 42:35
  Speaker 8: you don't even like.
• 42:37
  Speaker 1: And I mentioned two specific ones, but you have to
• 42:41
  Speaker 1: assess it. Like, if you say, okay, 90% of the
• 42:45
  Speaker 1: stuff the guy's doing, I agree with and I like,
• 42:49
  Speaker 1: and all the stuff... that the Democrats are doing, I
• 42:53
  Speaker 1: couldn't support at all. Their social agenda. Make no mistake,
• 42:57
  Speaker 1: I couldn't vote for a Democrat. I'm getting upset that
• 42:59
  Speaker 1: Trump isn't focusing on the America First agenda and affordability.
• 43:03
  Speaker 1: But go ahead.
• 43:05
  Speaker 2: Okay.
• 43:06
  Speaker 8: I totally disagree with you. Now, I totally disagree with J.J.
• 43:12
  Speaker 8: when he said that he was a Biden supporter and...
• 43:16
  Speaker 8: He'll support Biden. You know, he's a cheerleader, right?
• 43:19
  Speaker 1: No, he said he wasn't, which is true for J.J.
• 43:21
  Speaker 1: because J.J. would call me often.
• 43:23
  Speaker 8: But he said some Democrats were like that.
• 43:25
  Speaker 1: Yeah, well, you've got some Trumpsters that are like that, too.
• 43:29
  Speaker 8: Okay, well, what I'm saying is this, right? I disagree
• 43:33
  Speaker 8: with both of you because just think back 20 years ago, okay?
• 43:38
  Speaker 8: What you were like 20 years ago. Because you're good people.
• 43:42
  Speaker 8: You know, the Ted conservative, you know, Rich DeFarmacy, the
• 43:47
  Speaker 8: guy down there in Florida, and that real smart young man.
• 43:50
  Speaker 8: I come out and say, I'm not worried about America.
• 43:52
  Speaker 8: When you got people like Alex running around, we're going
• 43:54
  Speaker 8: to be okay. You know, but what I'm telling you
• 43:56
  Speaker 8: is this.
• 43:57
  Speaker 23: 20 years ago, if there was a president, if someone,
• 44:02
  Speaker 23: a sitting House member said, he told me that I..
• 44:08
  Speaker 8: Cannot release the Epstein files because it would have hurt
• 44:12
  Speaker 8: my friends. That's after he said, if you like me
• 44:16
  Speaker 8: and say nice things about me, he don't care what
• 44:18
  Speaker 8: you do, you're okay with him. Now, first of all,
• 44:23
  Speaker 8: I don't care if you're a Democrat. I don't care
• 44:26
  Speaker 8: if you're a Republican.
• 44:27
  Speaker 12: I don't care if you cure cancer.
• 44:30
  Speaker 8: You'll just be somebody that cured cancer from.
• 44:34
  Speaker 23: The Epstein Islands. This is a deal-breaker, and I find it.
• 44:38
  Speaker 8: Hard to believe that good people on the Democratic side,
• 44:42
  Speaker 8: whether it be Clinton, whether it be Obama, on the
• 44:45
  Speaker 8: Republican side, whether it be Trump.
• 44:49
  Speaker 17: Bush, or whatever, good people in their life have helped
• 44:53
  Speaker 17: the community, done really good things, and supported someone who
• 44:59
  Speaker 17: came out and said, I can't release this. Because it
• 45:04
  Speaker 17: will hurt my friends, to me, and.
• 45:07
  Speaker 2: A whole bunch of us.
• 45:09
  Speaker 8: That's a deal breaker. Ron, I got to go, my brother.
• 45:14
  Speaker 1: Thank you. Well, I think how he handled the Epstein
• 45:15
  Speaker 1: files upset a lot of people, including a lot of
• 45:18
  Speaker 1: his supporters. You're on the air.
• 45:21
  Speaker 10: Hey, Ron, I just wanted to let you know that the.
• 45:24
  Speaker 22: Next time I talk to Trump, I'm going to let
• 45:28
  Speaker 22: him know to listen to your show, and I think
• 45:30
  Speaker 22: he might..
• 45:32
  Speaker 24: He might listen to some of your advice.
• 45:33
  Speaker 10: You're doing some pretty good stuff.
• 45:36
  Speaker 1: I don't think he listens to anybody.
• 45:39
  Speaker 2: Well, he might put you on as an advisor.
• 45:43
  Speaker 22: If he listens to your show for a week, you
• 45:46
  Speaker 22: might be in.
• 45:47
  Speaker 2: The White House with him.
• 45:50
  Speaker 1: Really? Wow.
• 45:52
  Speaker 12: I think so.
• 45:53
  Speaker 22: You're doing pretty good.
• 45:55
  Speaker 23: He needs to get back on track. He needs to.
• 45:57
  Speaker 22: Finish a job over there in Iran.
• 45:59
  Speaker 2: Yeah.
• 46:01
  Speaker 22: But he does need to get back on track with
• 46:03
  Speaker 22: the America First stuff. And he needs to get that
• 46:07
  Speaker 22: finished up so prices are going to go back to normal.
• 46:11
  Speaker 22: And gas comes back down. And he needs to keep
• 46:16
  Speaker 22: up the blockade until they fold.
• 46:19
  Speaker 10: And I hope Congress lets him do it.
• 46:25
  Speaker 1: Well, it depends if they are going to fold.
• 46:29
  Speaker 22: I mean..
• 46:30
  Speaker 1: This is hard to read. Like I say, they know
• 46:32
  Speaker 1: more than we do, but I've been hearing for the
• 46:35
  Speaker 1: longest period of time, Iran wants to make a deal.
• 46:37
  Speaker 1: Iran wants to make a deal. Well, I've been hearing
• 46:40
  Speaker 1: this for how long now? And I don't see any deal.
• 46:43
  Speaker 1: Do you?
• 46:43
  Speaker 2: Well, they do want to make it.
• 46:44
  Speaker 22: They do want to make a deal according to what
• 46:47
  Speaker 22: I've heard, except the deal isn't what we want. They want,
• 46:50
  Speaker 22: they have their terms, but they're not giving up on
• 46:53
  Speaker 22: their nuclear stuff.
• 46:55
  Speaker 2: And that's That's a non-starter.
• 46:57
  Speaker 4: They've got to get rid of the nuclear stuff.
• 47:00
  Speaker 1: And if that's a non-starter, that's what the whole thing
• 47:02
  Speaker 1: is about.
• 47:03
  Speaker 3: Right.
• 47:03
  Speaker 1: Well, if they don't want to do that, then there's
• 47:05
  Speaker 1: not a deal. Then they don't want to make a
• 47:06
  Speaker 1: deal because they're not going to accept it. Listen, I
• 47:10
  Speaker 1: just want to see what happens and where it goes.
• 47:17
  Speaker 1: That's all I'm saying. It's okay to criticize Trump. It's
• 47:28
  Speaker 1: okay to do that and to say, what is going
• 47:31
  Speaker 1: on here? When I hear people try to, if this
• 47:35
  Speaker 1: was Biden and gas was $ 5 a gallon, people would be,
• 47:38
  Speaker 1: many of these people that are defending Trump would be
• 47:40
  Speaker 1: bitching to high heaven. That's a double standard then.
• 47:45
  Speaker 2: True.
• 47:46
  Speaker 22: I criticize them for it, but we can't.
• 47:48
  Speaker 5: Back out of there now.
• 47:49
  Speaker 22: We've gone too far in to just pack up and
• 47:53
  Speaker 22: go home.
• 47:55
  Speaker 1: Well, We have to stick with it.
• 47:57
  Speaker 22: And just like Biden, when he just bailed out of
• 48:01
  Speaker 22: Afghanistan and left $ 80 billion worth of equipment there. He
• 48:07
  Speaker 22: should have stuck around, even though there was a deadline
• 48:10
  Speaker 22: that he was supposed to meet.
• 48:11
  Speaker 1: I'm not saying there should be a deadline in it
• 48:15
  Speaker 1: at all, but it has to conclude here. This can't
• 48:19
  Speaker 1: go on for a year or two or be another
• 48:23
  Speaker 1: forever war in this type of situation. You will devastate
• 48:26
  Speaker 1: the American economy and the American consumer.
• 48:28
  Speaker 10: Another thing I don't like is, well, none of us
• 48:33
  Speaker 10: like the media, but with them bad-mouthing Trump constantly, Iran
• 48:38
  Speaker 10: listens to that stuff.
• 48:40
  Speaker 22: And they hear that they're trying to divide our country
• 48:44
  Speaker 22: even worse than it already is. And that encourages them,
• 48:48
  Speaker 22: I think.
• 48:48
  Speaker 1: But that's always– Behind Trump. Isn't that always the country?
• 48:53
  Speaker 1: I mean, we have freedom of discussion in our country.
• 48:56
  Speaker 1: I don't view the people that's– I go back to
• 49:00
  Speaker 1: say this. When Marjorie Taylor Greene and Tucker Carlson, they
• 49:03
  Speaker 1: were all on stage helping Trump get elected, and then
• 49:06
  Speaker 1: he insults them like she's a– I forget what he
• 49:11
  Speaker 1: called her. It was just reprehensible. And Tucker's low IQ.
• 49:17
  Speaker 1: And I just shake my head. I think this is just.
• 49:22
  Speaker 22: I agree with you on that.
• 49:24
  Speaker 1: There's nothing about it.
• 49:25
  Speaker 10: He was a little rough on them.
• 49:26
  Speaker 1: Right, and he's rough on them because they don't agree
• 49:29
  Speaker 1: with him on the Epstein files, and they don't agree
• 49:32
  Speaker 1: with him on... starting this war in Iran. Well, that
• 49:38
  Speaker 1: is America. They can disagree with those two things and
• 49:41
  Speaker 1: still agree with the rest. But to turn on him
• 49:43
  Speaker 1: like he does, there's nothing admirable about that. They're entitled
• 49:47
  Speaker 1: to their opinion.
• 49:49
  Speaker 22: Well, since he got rid of Pam Bondi, it seems
• 49:51
  Speaker 22: like the Justice Department is doing a lot more arrests
• 49:57
  Speaker 22: and prosecutions. Maybe they will get back onto the Epstein files.
• 50:00
  Speaker 22: I don't believe that Emanuel had said that Trump.
• 50:05
  Speaker 10: Said it was going to hurt his friends. I don't
• 50:07
  Speaker 10: believe that.
• 50:07
  Speaker 1: I don't believe that. But here's the reality. Release all
• 50:11
  Speaker 1: of the information. Release everything. Everything about it, and let's
• 50:17
  Speaker 1: see what's involved and who's involved. I'm sorry, you're not
• 50:21
  Speaker 1: seeing any justice at all. It truly is about the victims.
• 50:25
  Speaker 1: I mean, I'll say it again. Jeffrey Epstein was created
• 50:28
  Speaker 1: by the intelligence community. This was an intelligence community operation.
• 50:33
  Speaker 1: But think about that. So the intelligence community, whether that's
• 50:35
  Speaker 1: Israel or the United States or whatever, was engaged in
• 50:41
  Speaker 1: having adult men have sex with minor children, with children
• 50:44
  Speaker 1: not of age.
• 50:46
  Speaker 22: And it's unacceptable and it's a huge black eye on
• 50:49
  Speaker 22: Israel and us if it was us or them or both.
• 50:52
  Speaker 23: Right.
• 50:53
  Speaker 22: And that's why it's getting covered up.
• 50:56
  Speaker 1: That is exactly correct. So why isn't Prince Andrew in jail?
• 51:01
  Speaker 1: Does anybody believe Clinton when he says anything about in
• 51:04
  Speaker 1: the hot tub with these women? Who knows what was
• 51:07
  Speaker 1: going on there? But where's the justice? Well, there isn't
• 51:10
  Speaker 1: any justice. It's a two-tier system. They basically they will
• 51:14
  Speaker 1: get away with it. Nothing will happen. The victims are
• 51:19
  Speaker 1: might get a settlement from Epstein's estate, but they're not
• 51:23
  Speaker 1: going to see the people who rape them go to prison.
• 51:27
  Speaker 1: Follow me?
• 51:27
  Speaker 12: Release the files and clean house.
• 51:30
  Speaker 2: Right.
• 51:31
  Speaker 22: Whoever was involved, get rid of them all. If it
• 51:33
  Speaker 22: was a congressman, representative, CIA, whatever.
• 51:37
  Speaker 1: It doesn't matter to me if they're a Democrat or Republican.
• 51:40
  Speaker 1: I could care less.
• 51:41
  Speaker 2: Absolutely. I'm sure both are involved.
• 51:44
  Speaker 10: Right.
• 51:45
  Speaker 22: But not Trump, because Trump kicked him out of Mar-a-Lago.
• 51:48
  Speaker 1: And reported him. But clear up that confusion. Let me
• 51:52
  Speaker 1: put it this way. If Trump was involved, then he
• 51:56
  Speaker 1: should be charged as everyone else would be. If Clinton's involved,
• 52:02
  Speaker 1: he should be charged as everyone else is. It's that disgusting.
• 52:06
  Speaker 1: I understand why people say, people in America are saying
• 52:09
  Speaker 1: there's a double standard of justice that's going on. One
• 52:13
  Speaker 1: for them, one for the rest of us. And that's
• 52:17
  Speaker 1: what the problem is. I want to see the Justice Department,
• 52:20
  Speaker 1: like you're seeing, go after all of this fraud in
• 52:24
  Speaker 1: Minnesota when it comes to millions and billions of your
• 52:29
  Speaker 1: tax dollars being wasted in the leering centers and the transportation.
• 52:34
  Speaker 1: I want to see them go after it in California
• 52:36
  Speaker 1: with all these people with the hospices that had no patients.
• 52:40
  Speaker 1: These are people ripping off millions and billions of your
• 52:44
  Speaker 1: tax dollars for When you're trying to make a go
• 52:48
  Speaker 1: of it on April 15th and you see all the
• 52:50
  Speaker 1: money that's taken from you. I still sit back and say,
• 52:53
  Speaker 1: they put Martha Stewart in jail for $ 50, 000, which was
• 52:56
  Speaker 1: just ridiculous. And yet these people are getting away with
• 53:01
  Speaker 1: this kind of stuff. Or the Nancy Pelosi with the
• 53:05
  Speaker 1: big stock trades based on insider information. Or any of
• 53:08
  Speaker 1: the politicians that are doing the inside information. It's ridiculous.
• 53:13
  Speaker 1: All right.
• 53:13
  Speaker 4: I agree.
• 53:14
  Speaker 1: Thank you. Appreciate it.
• 53:15
  Speaker 12: Thank you.
• 53:15
  Speaker 1: You're on the air.
• 53:17
  Speaker 12: Hey, they're ready to make a deal.
• 53:21
  Speaker 1: Again, every day I'm hearing that.
• 53:24
  Speaker 12: Well, listen, listen. You grew up with your friends and
• 53:29
  Speaker 12: people you know. There's some people that says, hey, I'll
• 53:32
  Speaker 12: be over. It doesn't show up. There's other people that said,
• 53:35
  Speaker 12: I'll be in your party. Don't show up. There's other people.
• 53:39
  Speaker 12: I know I'm talking to a couple guys right now
• 53:41
  Speaker 12: that own businesses. And the people beg them to get
• 53:45
  Speaker 12: a job, and then they don't show up. And they're
• 53:48
  Speaker 12: telling me, I don't understand these people. So, you know
• 53:52
  Speaker 12: what I mean? Everybody blames Trump for everything, for crying
• 53:55
  Speaker 12: out loud. Okay, I'm not like rooting for Trump, but
• 54:00
  Speaker 12: don't keep on bashing him. You know what I mean?
• 54:03
  Speaker 12: Like Frank from Fort Lauderdale.
• 54:07
  Speaker 4: Right?
• 54:08
  Speaker 10: Yeah.
• 54:09
  Speaker 12: Yeah.
• 54:10
  Speaker 8: Let's be nice.
• 54:12
  Speaker 12: Okay, let's Let's take accountability, okay?
• 54:16
  Speaker 2: Okay.
• 54:17
  Speaker 12: He hasn't done anything like Joe Biden did. Oh, by
• 54:21
  Speaker 12: the way, do you understand what he's doing with that
• 54:24
  Speaker 12: Iranian thing with economic fury with Besson and everything? Do
• 54:30
  Speaker 12: you have any clue how we're destroying that country?
• 54:34
  Speaker 1: Yes. You're talking a blockade and– Money. Of course I
• 54:41
  Speaker 1: understand that aspect of it. But at the same time,
• 54:45
  Speaker 1: we're kind of destroying our own country.
• 54:47
  Speaker 12: No, we're not.
• 54:49
  Speaker 1: Oh, okay.
• 54:49
  Speaker 2: We're not.
• 54:50
  Speaker 12: That's what the media wants you to believe, Ron. You
• 54:52
  Speaker 12: need to turn off the mainstream over there.
• 54:54
  Speaker 1: I don't need the media. I just drive by the
• 54:56
  Speaker 1: gas station.
• 54:57
  Speaker 12: Hey, Ron, it's going to be $ 5 a gallon.
• 55:02
  Speaker 4: Yeah.
• 55:02
  Speaker 12: It's going to go up to $ 5 a gallon.
• 55:04
  Speaker 1: It's not going to go up. It's already there. All right,
• 55:06
  Speaker 1: Bubba Ganoush. When do you see it at $ 5? Oh,
• 55:11
  Speaker 1: I'll be back. Radio 570 WKBN. And Ron Furb, it's
• 55:17
  Speaker 1: 424 on Thursday, April 30th. It's 59 degrees and you're
• 55:22
  Speaker 1: on the air.
• 55:24
  Speaker 15: Ron?
• 55:25
  Speaker 1: Well, my, my, my.
• 55:29
  Speaker 6: How are you?
• 55:31
  Speaker 1: Look at who we have here.
• 55:37
  Speaker 25: Oh, Ron, Ron, I'm having a beautiful, wonderful time, but
• 55:42
  Speaker 25: I just saw something so disturbing.
• 55:44
  Speaker 2: What?
• 55:46
  Speaker 25: I had to call in as I relax.
• 55:49
  Speaker 26: It's 1030 at night.
• 55:51
  Speaker 23: Yes.
• 55:53
  Speaker 26: And I'm relaxing and somebody, well, actually like five people
• 55:57
  Speaker 26: sent me a picture of Christine Oliver's mailer that came today.
• 56:01
  Speaker 26: And I just had to laugh and thought it would,
• 56:05
  Speaker 26: I mean, everybody should. Did everybody get their mailer? Did
• 56:08
  Speaker 26: you get your mailer today, Ron?
• 56:10
  Speaker 1: I did not.
• 56:12
  Speaker 27: Check the mail yet?
• 56:13
  Speaker 1: Check the mail, yeah.
• 56:15
  Speaker 25: Oh, God, they're so exciting.
• 56:16
  Speaker 26: You know what I normally do with those mailers anyway
• 56:18
  Speaker 26: is I take them and drop them right in the
• 56:20
  Speaker 26: garbage can.
• 56:21
  Speaker 1: Well, I must confess, so do I. I mean, I look, say, okay, see, right.
• 56:29
  Speaker 2: I don't even read them.
• 56:30
  Speaker 25: This one's cute.
• 56:32
  Speaker 1: All right.
• 56:33
  Speaker 27: This one says that she has a full plan to
• 56:36
  Speaker 27: reform and lower property taxes. Well, what's her plan? Have
• 56:40
  Speaker 27: you heard it?
• 56:42
  Speaker 1: I have not.
• 56:43
  Speaker 27: Neither have I. That is so cute. And all of
• 56:46
  Speaker 27: these talks and all of these forums, I haven't heard
• 56:49
  Speaker 27: a single plan. However, she says that Donnie proposed a.
• 56:53
  Speaker 15: Radical plan that will increase taxes. That's interesting because I've
• 56:59
  Speaker 15: never heard that plan either. So she has a splendid
• 57:04
  Speaker 15: plan that she fails to share with anybody. And he
• 57:07
  Speaker 15: has a radical plan that he's never shared with anyone. Oh, God,
• 57:12
  Speaker 15: the campaign trail. I can't wait till this is all over. Yeah,
• 57:17
  Speaker 15: and apparently she supports police and fire, but she doesn't
• 57:21
  Speaker 15: know if Donnie does. Even though every time he's spoken,
• 57:25
  Speaker 15: he has talked about how he comes from a... His
• 57:27
  Speaker 15: father was a police officer.
• 57:28
  Speaker 2: He comes from a.
• 57:31
  Speaker 15: Police, you know, a... This is his whole family. He
• 57:35
  Speaker 15: grew up that way. He's never not supported police or fire.
• 57:40
  Speaker 1: Well, there's a controversial stand. I mean, those candidates taking
• 57:45
  Speaker 1: that controversial stand of supporting police and fire. There's a controversy.
• 57:50
  Speaker 1: I'm waiting for one of them to come out and say,
• 57:52
  Speaker 1: I support criminals and stealing.
• 57:56
  Speaker 16: Exactly.
• 57:57
  Speaker 1: I mean, when I hear that kind of stuff, it's
• 57:59
  Speaker 1: ridiculous to me. Now, I will say Christine Oliver has
• 58:01
  Speaker 1: been actively involved in these events for years. back in
• 58:07
  Speaker 1: police officers.
• 58:08
  Speaker 8: Yeah.
• 58:09
  Speaker 15: I mean, who created that website for her?
• 58:11
  Speaker 2: Who?
• 58:13
  Speaker 9: Donnie.
• 58:14
  Speaker 1: Oh, okay. But it's a, no, but I mean, she,
• 58:17
  Speaker 1: she's led that for many, many years. So, I mean,
• 58:20
  Speaker 1: for sure.
• 58:22
  Speaker 2: Yeah.
• 58:22
  Speaker 22: Great.
• 58:22
  Speaker 1: You can't falter for that.
• 58:23
  Speaker 27: Police and fire.
• 58:25
  Speaker 1: Exactly.
• 58:26
  Speaker 4: Yeah.
• 58:27
  Speaker 27: You know, it's just, it's, it's, I think one should,
• 58:30
  Speaker 27: there should be a check mark.
• 58:31
  Speaker 15: For has never been sued. And the only one that
• 58:34
  Speaker 15: would have a green check would be Don drag ish.
• 58:37
  Speaker 1: Yeah, but I mean, sometimes if an injustice is done,
• 58:42
  Speaker 1: people sue as a result of it. I have no
• 58:46
  Speaker 1: problem with their lawsuit. Oh, being sued. Being sued.
• 58:51
  Speaker 16: Yeah.
• 58:52
  Speaker 9: Yeah.
• 58:52
  Speaker 25: I think that's a good one. Because he gets a
• 58:54
  Speaker 25: green checkmark there.
• 58:57
  Speaker 1: Well, at least she didn't drive her car through the Arby's.
• 59:04
  Speaker 25: Well, I don't know about all that, but I'm seeing.
• 59:06
  Speaker 15: A lot of craziness.
• 59:07
  Speaker 27: I'm seeing a bunch of stuff with this.
• 59:09
  Speaker 15: Pool and library.
• 59:10
  Speaker 25: Coming across.
• 59:11
  Speaker 1: Oh, my God.
• 59:12
  Speaker 12: Geez, Louise.
• 59:13
  Speaker 15: Are they going to try to make the.
• 59:15
  Speaker 27: Pool and people pay for this?
• 59:17
  Speaker 1: Stand by. Can you stand by?
• 59:18
  Speaker 15: I can.
• 59:20
  Speaker 1: All right, stand by. We'll come back to the boss lady.
• 59:22
  Speaker 1: News Radio 570, WKVN. All right, back with the boss
• 59:28
  Speaker 1: lady from a secret undisclosed location.
• 59:31
  Speaker 15: So real quick about this shot this, too.
• 59:34
  Speaker 27: I mean, he's not a police officer.
• 59:37
  Speaker 15: Where was he a police officer at?
• 59:38
  Speaker 4: Do you know?
• 59:40
  Speaker 1: No, it is somewhat deceiving. I addressed this the other
• 59:45
  Speaker 1: day when he says that as a retired law enforcement officer.
• 59:49
  Speaker 1: Bruce Shepis is a retired corrections officer. He worked at
• 59:52
  Speaker 1: the jail. I mean, he was a counselor at the jail.
• 59:56
  Speaker 1: He wasn't working for the FBI or a U.S. marshal,
• 1:00:01
  Speaker 1: and he wasn't in a patrol car, a patrol car.
• 1:00:04
  Speaker 1: slapping of handcuffs or arresting anybody. I think that's deceiving.
• 1:00:11
  Speaker 1: To a certain extent, I think it's real deceiving. I
• 1:00:14
  Speaker 1: don't want to say stolen valor like they do in
• 1:00:16
  Speaker 1: the military, but I think it's giving an impression that's
• 1:00:19
  Speaker 1: a false impression when you say a retired law enforcement officer. No,
• 1:00:23
  Speaker 1: a You are a retired corrections officer. You worked in
• 1:00:28
  Speaker 1: a jail. You're a counselor in a jail. That's way
• 1:00:30
  Speaker 1: different from being on the streets and arresting people. And
• 1:00:34
  Speaker 1: to me, it's almost like stolen valor. It's almost like
• 1:00:39
  Speaker 1: a stolen valor thing. I just think he should change that.
• 1:00:45
  Speaker 27: He's basically a security guard.
• 1:00:46
  Speaker 28: I mean, if you want to be real.
• 1:00:48
  Speaker 1: Yeah, I mean, and I've got to correct it. He
• 1:00:50
  Speaker 1: was a prison guard, not a jail. So he worked
• 1:00:52
  Speaker 1: in the prison, so the federal prison. Well, no, he
• 1:00:57
  Speaker 1: was in a federal prison.
• 1:00:58
  Speaker 25: He was kind of like a security guard.
• 1:01:01
  Speaker 1: Well, no, he was in a federal prison as a counselor.
• 1:01:04
  Speaker 1: and a federal prison guard.
• 1:01:06
  Speaker 25: Oh, he was a counselor.
• 1:01:08
  Speaker 1: Yeah, he was.
• 1:01:08
  Speaker 25: So he's definitely not a police officer.
• 1:01:11
  Speaker 1: No, and when you say federal law enforcement, I mean,
• 1:01:15
  Speaker 1: to a certain extent, like I say, it's like stolen valor.
• 1:01:18
  Speaker 1: I don't think that's fair to police officers that are
• 1:01:23
  Speaker 1: out stopping cars, arresting people.
• 1:01:25
  Speaker 2: He's not pandering to the police officers.
• 1:01:26
  Speaker 25: He's trying to stand out and say he's the only...
• 1:01:28
  Speaker 25: I mean, all of it is such pandering, and It's
• 1:01:33
  Speaker 25: so crazy.
• 1:01:34
  Speaker 15: I just can't.
• 1:01:35
  Speaker 4: I hope.
• 1:01:36
  Speaker 25: I would love to see Christine to do a video
• 1:01:38
  Speaker 25: and tell us about her plan that she presented.
• 1:01:43
  Speaker 1: Hopefully she's listening and she will come out with a
• 1:01:45
  Speaker 1: video showing her plan to lower taxes. But at least
• 1:01:50
  Speaker 1: she supports both of those things. She supports the homestead
• 1:01:53
  Speaker 1: exemption for seniors and she supports the doubling of the
• 1:01:58
  Speaker 1: owner occupancy credits.
• 1:01:59
  Speaker 15: Yeah.
• 1:02:00
  Speaker 2: And so does Johnnie. Mm-hmm.
• 1:02:04
  Speaker 1: And Dragish does too, correct?
• 1:02:06
  Speaker 26: Yeah, Dragish does too.
• 1:02:08
  Speaker 1: I mean, to me... with what's going on with $ 5
• 1:02:11
  Speaker 1: gas and with what's going on economically, if you, if
• 1:02:14
  Speaker 1: you ain't got the guts to come out in support
• 1:02:16
  Speaker 1: of those two things, then there's no way I consider
• 1:02:19
  Speaker 1: it can consider ever voting for you. I mean, if
• 1:02:22
  Speaker 1: you don't put the taxpayer first and at least drag
• 1:02:25
  Speaker 1: ish does. And at least, uh, Christine does that. Sheppas
• 1:02:29
  Speaker 1: is too clouded on that. I mean, you know, take
• 1:02:31
  Speaker 1: a stand either you're for it or against it, but, uh,
• 1:02:36
  Speaker 1: If you don't put the taxpayer first.
• 1:02:37
  Speaker 26: She has a mailer that says that Donnie supported a
• 1:02:40
  Speaker 26: property tax levy.
• 1:02:42
  Speaker 25: How the frick does she know what he voted for
• 1:02:45
  Speaker 25: in a booth? When he goes to the booth.
• 1:02:48
  Speaker 2: It's a vote.
• 1:02:49
  Speaker 1: How does she know? Listen, it doesn't mean if you
• 1:02:52
  Speaker 1: support a property tax levy that that's wrong because sometimes
• 1:02:55
  Speaker 1: you need a property tax levy.
• 1:02:56
  Speaker 25: Well, sometimes you need to.
• 1:02:58
  Speaker 1: Yeah, I mean, in your community, you can't say, I'm
• 1:03:01
  Speaker 1: going to vote no on everything because sometimes things are necessary.
• 1:03:04
  Speaker 1: I forget what community around here. They got a levy
• 1:03:07
  Speaker 1: on the ballots to be able to raise some money
• 1:03:09
  Speaker 1: to build a garage to store their equipment in. It's
• 1:03:12
  Speaker 1: one of the smaller communities around here. And I thought,
• 1:03:15
  Speaker 1: how could you vote against that? They want some money
• 1:03:17
  Speaker 1: to build a garage so their stuff doesn't sit out
• 1:03:19
  Speaker 1: in the weather. So you can't just write off all
• 1:03:24
  Speaker 1: of that stuff.
• 1:03:26
  Speaker 25: I feel like she's lying.
• 1:03:27
  Speaker 26: She's deceiving.
• 1:03:28
  Speaker 25: That's disturbing.
• 1:03:30
  Speaker 27: I mean, at least stand straight up.
• 1:03:33
  Speaker 25: I don't know.
• 1:03:34
  Speaker 23: There it is.
• 1:03:35
  Speaker 25: I don't know.
• 1:03:35
  Speaker 1: It's the mellow boss lady. I mean, I don't know.
• 1:03:38
  Speaker 1: This could be the boss lady or it could be
• 1:03:42
  Speaker 1: an imposter, folks. I'm not sure. It could be because
• 1:03:46
  Speaker 1: this is not the boss lady we're all familiar with.
• 1:03:48
  Speaker 1: It sounds like I'm going to launch an investigation. All right.
• 1:03:52
  Speaker 1: Thank you for your call. We appreciate it.
• 1:03:54
  Speaker 22: All right.
• 1:03:54
  Speaker 1: All right. Listen, the memo boss lady, you're on the air.
• 1:03:58
  Speaker 4: Ronald.
• 1:03:59
  Speaker 1: It's Ted, the conservative.
• 1:04:00
  Speaker 4: How about that?
• 1:04:02
  Speaker 22: Yes.
• 1:04:03
  Speaker 4: Hey, you know, I had to stop. I was outside
• 1:04:07
  Speaker 4: working on my slogan, getting it ready. And I had
• 1:04:10
  Speaker 4: to stop and call. I need to pull you back
• 1:04:12
  Speaker 4: off the list.
• 1:04:13
  Speaker 2: No, no.
• 1:04:14
  Speaker 24: I need you to listen to me.
• 1:04:15
  Speaker 2: All right.
• 1:04:16
  Speaker 1: I'm listening. Go ahead.
• 1:04:16
  Speaker 25: Okay.
• 1:04:17
  Speaker 4: Two things can be true at the same time. I 100%
• 1:04:21
  Speaker 4: agree with everything that Rich said yesterday. I agree, fuel
• 1:04:24
  Speaker 4: prices are high. However, I agree with everything Trump's doing
• 1:04:29
  Speaker 4: in regards to Iran. You know, unlike Biden, these prices
• 1:04:33
  Speaker 4: we see in fuel, they are transitory. Remember when Biden
• 1:04:37
  Speaker 4: said his inflation, 9% was transitory? His policy drove those
• 1:04:43
  Speaker 4: fuel prices. His policy gave us 9% inflation, right? So
• 1:04:48
  Speaker 4: we have to be very careful with our language, actually.
• 1:04:52
  Speaker 4: You know, I was shocked this morning. I was on
• 1:04:53
  Speaker 4: the road first thing, and I saw that gas at 499,
• 1:04:57
  Speaker 4: and I wish I could have grabbed my phone to
• 1:04:58
  Speaker 4: take a picture, but I was driving because I knew, uh-oh,
• 1:05:02
  Speaker 4: Ron's going to come out firing today. That was up
• 1:05:05
  Speaker 4: by Route 11 on 224, and Sheets was still sitting
• 1:05:09
  Speaker 4: at 425.
• 1:05:10
  Speaker 1: Yeah, well, most of the places that I would see
• 1:05:13
  Speaker 1: is I drive here to the radio station, We're at
• 1:05:18
  Speaker 1: $ 5 or $ 4. 99. I mean, you've got to be careful
• 1:05:21
  Speaker 1: what you're looking at. Now, I did do this. Get
• 1:05:25
  Speaker 1: a load of this, Ted. When I left the broadcast
• 1:05:28
  Speaker 1: building yesterday, this is how it screws with you. Knowing
• 1:05:32
  Speaker 1: that places were going to $ 5, I wheeled it into
• 1:05:35
  Speaker 1: the Shell station on the corner, which was still at
• 1:05:37
  Speaker 1: like $ 4. 29 because I thought, oh, I mean, it's all subject.
• 1:05:42
  Speaker 1: See how it screws with your mind? Oh, I'm going
• 1:05:44
  Speaker 1: to fill up now because it's going to be $ 0. 70
• 1:05:45
  Speaker 1: cheaper than And it's like, of course, today the price
• 1:05:50
  Speaker 1: is up. So if you find it for $ 4. 29, but
• 1:05:53
  Speaker 1: guess what? It's going to burn out of your tank.
• 1:05:57
  Speaker 1: I'm seeing more stations at $ 4. 99 or $ 5 a gallon
• 1:06:01
  Speaker 1: than I am at a lower. They're either at $ 5
• 1:06:04
  Speaker 1: a gallon or at $ 4.
• 1:06:05
  Speaker 4: 70.
• 1:06:05
  Speaker 1: But you've got to be careful because like shell a
• 1:06:08
  Speaker 1: post a price that's like if you got the $ 0. 10
• 1:06:10
  Speaker 1: off shell advantage or Giant Eagle screws with you with
• 1:06:15
  Speaker 1: that price.
• 1:06:16
  Speaker 4: Yeah, those rewards. They're all playing games.
• 1:06:18
  Speaker 11: Yes.
• 1:06:18
  Speaker 4: Let me say this because I think it's important I
• 1:06:21
  Speaker 4: get some things off my chest.
• 1:06:23
  Speaker 1: All right, I'll listen.
• 1:06:24
  Speaker 4: Trump has never stopped putting America first. We have many
• 1:06:28
  Speaker 4: cynics that call your program pessimistic people, no matter what
• 1:06:32
  Speaker 4: he does. And I don't have to give you their
• 1:06:36
  Speaker 4: names because you know who they are, and I'm not
• 1:06:38
  Speaker 4: going to give them the attention they seek. So let's
• 1:06:41
  Speaker 4: focus on facts, okay?
• 1:06:43
  Speaker 12: Facts.
• 1:06:44
  Speaker 25: Remember those?
• 1:06:45
  Speaker 4: Things that matter. Truth. Not things we make up or
• 1:06:48
  Speaker 4: wish were reality. Iran is not crippling the United States,
• 1:06:53
  Speaker 4: as someone said. I would say just the opposite has happened.
• 1:06:57
  Speaker 4: If you filter out opinions and TDS sickness, that's what
• 1:07:01
  Speaker 4: we see. The war with Iran has significantly damaged the
• 1:07:05
  Speaker 4: Iranian economy. It's pushing them basically into a state of
• 1:07:10
  Speaker 4: free fall. The financial damage right now today, I even
• 1:07:14
  Speaker 4: looked this up, it's estimated to be about a trillion
• 1:07:17
  Speaker 4: dollars today, with recovery expected to take more than a decade.
• 1:07:23
  Speaker 2: Okay?
• 1:07:24
  Speaker 4: So that sounds more crippling than what we're seeing at
• 1:07:26
  Speaker 4: the gas pump. The currency's collapsed. They're experiencing hyperinflation, anywhere
• 1:07:33
  Speaker 4: from 68% to 72%, opposed to who you're listening to.
• 1:07:38
  Speaker 4: How does that compare with 3% inflation in the United States? OK,
• 1:07:43
  Speaker 4: so again, facts over opinion. Their costs are. for food
• 1:07:48
  Speaker 4: are even surging higher than inflation. Their food costs are
• 1:07:52
  Speaker 4: exceeding 105%. Their infrastructure has been destroyed. Airstrikes knocked out
• 1:07:59
  Speaker 4: almost 70% of their missile-enabled production sites. And about 30%
• 1:08:03
  Speaker 4: of their sale output's been destroyed.
• 1:08:06
  Speaker 1: Well, why haven't they then made a deal or surrendered?
• 1:08:09
  Speaker 4: If you'll let me explain a little bit here, I'm
• 1:08:11
  Speaker 4: going to tell you what's going to happen. The financial
• 1:08:13
  Speaker 4: strain has put them into a deep social humanitarian crisis.
• 1:08:18
  Speaker 4: Mass unemployment, widespread protests, the standing of livers has been
• 1:08:23
  Speaker 4: reduced so much that they can't afford meat. They have
• 1:08:25
  Speaker 4: no internet, okay? So their physical markets have been devastated.
• 1:08:30
  Speaker 4: There's no e-commerce, small business is done. You've got middle-class
• 1:08:34
  Speaker 4: families being forced to sell properties trying to survive. So
• 1:08:39
  Speaker 4: you tell me how that economic collapse is winning compared
• 1:08:44
  Speaker 4: to what we're seeing at the pump. So now we've
• 1:08:47
  Speaker 4: got some moves out of the country again, United States, GDP. Well,
• 1:08:51
  Speaker 4: it rose 2%. I thought some guy told us last
• 1:08:54
  Speaker 4: month or last quarter the end of the world was here.
• 1:08:57
  Speaker 4: and we were going to be in trouble. Well, a
• 1:08:59
  Speaker 4: lot of last quarter's GDP was related to the governmental shutdown, okay?
• 1:09:04
  Speaker 4: We're seeing GDP rise today, 2%. AI in business investment
• 1:09:11
  Speaker 4: growth has fueled a 10% surge in business investment, excluding housing.
• 1:09:16
  Speaker 4: It's the largest jump in three years. manufacturing resurgence. I
• 1:09:20
  Speaker 4: heard on the radio, new data shows orders for business
• 1:09:23
  Speaker 4: equipment are at the largest, largest rate.
• 1:09:26
  Speaker 6: In six years.
• 1:09:27
  Speaker 4: Consumer spending was up. Job claims were down. Income growth
• 1:09:32
  Speaker 4: grew personal income. I think they said personal income was
• 1:09:35
  Speaker 4: a 0.6% in March, doubling the economic, uh, economic, uh, expectations. Um,
• 1:09:41
  Speaker 4: consumer spending grew by almost 2%, I believe. Um, housing improvements,
• 1:09:50
  Speaker 4: new residential construction hit a one-year high, heard on the radio.
• 1:09:54
  Speaker 4: Home prices began to decline on an annual basis and
• 1:09:57
  Speaker 4: more in half the country, improving affordability. So all these
• 1:10:02
  Speaker 4: major indexes, stock market, we see what's going on there.
• 1:10:06
  Speaker 4: And yes, while inflation is still hovering near about 3%,
• 1:10:10
  Speaker 4: a lot of that is fuel-driven. So I'm sorry. It's
• 1:10:15
  Speaker 4: very frustrating to hear this doom and gloom because gas
• 1:10:19
  Speaker 4: is five bucks a gallon because we're at war. Now,
• 1:10:23
  Speaker 4: does that mean it doesn't hurt? Yeah, it hurts. But
• 1:10:26
  Speaker 4: let's keep things in perspective here. What was the alternative?
• 1:10:30
  Speaker 24: Kamala Harris? And it continued..
• 1:10:34
  Speaker 1: No, no, no, no, no. No, I don't. Kamala Harris
• 1:10:38
  Speaker 1: and Biden, the Democrats are not the alternative. I think
• 1:10:41
  Speaker 1: people would say the alternative is, was this a mistake
• 1:10:44
  Speaker 1: from the very beginning? Was this necessary for the very beginning?
• 1:10:47
  Speaker 4: It was the fact that I can see today through
• 1:10:50
  Speaker 4: the media. Which country is in a worse place right now,
• 1:10:54
  Speaker 4: Iran or the United States of America?
• 1:10:56
  Speaker 1: Well, obviously, you could say that even before the war.
• 1:10:59
  Speaker 1: For anyone to say that Iran is crippling us, they're
• 1:11:04
  Speaker 1: just stupid. Then why haven't they made a deal?
• 1:11:09
  Speaker 4: Because there's so much infighting in that country, Ron. It's
• 1:11:13
  Speaker 4: not a free country like this.
• 1:11:15
  Speaker 1: I mean, I can appreciate everything you said, but I've
• 1:11:18
  Speaker 1: been hearing. Well, just hang on a second.
• 1:11:21
  Speaker 4: In about another month, this thing will come to an
• 1:11:24
  Speaker 4: end because they'll be overthrown from within. People won't be
• 1:11:29
  Speaker 4: able to take it much longer. So time is on
• 1:11:32
  Speaker 4: our hands. We can sit this out for a year
• 1:11:35
  Speaker 4: if we want. The world would suffer. Yes, fuel prices.
• 1:11:40
  Speaker 4: You know I'm traveling to Europe here in the fall.
• 1:11:43
  Speaker 4: I can tell you with certainty that I'm thankful I
• 1:11:46
  Speaker 4: booked my air flights a couple weeks ago because even
• 1:11:50
  Speaker 4: from last week to this week, because we've done some
• 1:11:53
  Speaker 4: additional purchasing of tickets for someone, flights have gone up 25%
• 1:11:57
  Speaker 4: in the last week. So all that stuff's true. All
• 1:12:00
  Speaker 4: that stuff's true. Gas prices, fuel prices are hurting us.
• 1:12:04
  Speaker 4: But Iran is a stretch. And if people don't want
• 1:12:08
  Speaker 4: to accept that, then they need to get out of
• 1:12:10
  Speaker 4: the bubble that they live in. Because we live in
• 1:12:13
  Speaker 4: a globalist world. It's like the fuel prices are global, right?
• 1:12:17
  Speaker 4: Even though we're energy independent, we live in a global world.
• 1:12:21
  Speaker 4: I won't even go into the explanation of the threat
• 1:12:25
  Speaker 4: Iran posed. So, yeah, fuel prices are high, but I
• 1:12:29
  Speaker 4: think people need to stop with this garbage that Trump
• 1:12:32
  Speaker 4: needs to put America first. He has to put America first,
• 1:12:35
  Speaker 4: and that's why we're in Iran. Look at what he's
• 1:12:37
  Speaker 4: done to this economy, where it was with Biden. He's
• 1:12:41
  Speaker 4: fighting a Fed who will not lower rates. He lowered
• 1:12:44
  Speaker 4: them during election to try to help Joe Biden when
• 1:12:48
  Speaker 4: inflation was rising.
• 1:12:50
  Speaker 18: Am I right?
• 1:12:51
  Speaker 4: Did he not do that? Did they not do that? Now,
• 1:12:53
  Speaker 4: yesterday we had, what, an eight to four vote? First
• 1:12:55
  Speaker 4: time there's ever been that much dissent on the board
• 1:12:59
  Speaker 4: of the Treasury. You know, there's a lot of things
• 1:13:02
  Speaker 4: that still haven't gone into play yet. And interest rates
• 1:13:05
  Speaker 4: are one of them. Be patient, people. What do they say?
• 1:13:09
  Speaker 4: Rome wasn't built in a day. Donald Trump's not going
• 1:13:11
  Speaker 4: to turn this ship around in a day, but we're
• 1:13:14
  Speaker 4: heading in the right direction.
• 1:13:17
  Speaker 9: How's that?
• 1:13:18
  Speaker 4: And I got some other stuff I can get off
• 1:13:20
  Speaker 4: my chest.
• 1:13:20
  Speaker 1: All right, well, fire away.
• 1:13:22
  Speaker 4: Okay, these people talking about charging Fauci before May 10th. Okay,
• 1:13:28
  Speaker 4: they need their heads examined also. Joe Biden gave him
• 1:13:31
  Speaker 4: a pardon. for any crimes committed to or against the
• 1:13:35
  Speaker 4: United States of America for the last 10 years. But
• 1:13:38
  Speaker 4: you're not going to get him in a courtroom to
• 1:13:40
  Speaker 4: do anything with it. And we've got so many extremists
• 1:13:44
  Speaker 4: out there who are feeling to live in reality that
• 1:13:47
  Speaker 4: it's scary. And I think that's why our country is
• 1:13:50
  Speaker 4: so screwed up. We've got extremists on the right. We've
• 1:13:52
  Speaker 4: got extremists on the left. You've got to deal with
• 1:13:55
  Speaker 4: reality and the situation in front of you. And then
• 1:14:00
  Speaker 4: I heard something else. I've got so much stuff burning
• 1:14:03
  Speaker 4: through my head. There's something else I wanted to tell you.
• 1:14:05
  Speaker 4: Now I can't remember. Maybe it'll come back because my
• 1:14:07
  Speaker 4: blood pressure got up there a little bit.
• 1:14:09
  Speaker 1: Well, there you go. You know what else I want
• 1:14:13
  Speaker 1: to share with you? So listen to this email. Everyone
• 1:14:18
  Speaker 1: is upset about the price of gas, but I'll tell
• 1:14:21
  Speaker 1: some people who aren't. but I'll tell some people who aren't,
• 1:14:25
  Speaker 1: soldiers and their families. When a ceasefire was going to expire,
• 1:14:29
  Speaker 1: I believe the plan was to take Karg Islands or
• 1:14:32
  Speaker 1: other islands nearby. Trump and a general saw how effective
• 1:14:35
  Speaker 1: the blockade was, so why risk the lives of troops
• 1:14:39
  Speaker 1: when all you have to do is wait? Iran is
• 1:14:41
  Speaker 1: out of cards. They played their straights and have basically
• 1:14:45
  Speaker 1: no outs to a higher hand. We as Americans are
• 1:14:49
  Speaker 1: upset about the temporary price of gas, but Trump could
• 1:14:52
  Speaker 1: get that down fast, but it would come with the
• 1:14:55
  Speaker 1: death of our brave soldiers. We as Americans should come
• 1:14:58
  Speaker 1: together and respect that. Iran will be finished once and
• 1:15:02
  Speaker 1: for all. The only sliver of an out is the
• 1:15:05
  Speaker 1: weakness of the American politics. For Iran's leadership to hold on,
• 1:15:10
  Speaker 1: they have to divide America. FYI, we're divided. If there
• 1:15:14
  Speaker 1: was ever a time to come together, now is that time.
• 1:15:17
  Speaker 1: We will have no more bloodshed for our troops. More
• 1:15:22
  Speaker 1: people would have been killed in Chicago by maybe five
• 1:15:26
  Speaker 1: times than soldiers killed in Iran. When Obama got bin Laden,
• 1:15:30
  Speaker 1: I ran out onto the street and cheered. I wasn't
• 1:15:33
  Speaker 1: a Republican or a Democrat that night. I was an American.
• 1:15:37
  Speaker 1: Iran is counting on us to complain about prices that
• 1:15:40
  Speaker 1: our leaders won't finish a job. Finish the job is
• 1:15:44
  Speaker 1: what they should do. I drive further than anyone for
• 1:15:48
  Speaker 1: work each day. An hour and a half. The short-term
• 1:15:52
  Speaker 1: pain at the pump is saving the lives of our
• 1:15:55
  Speaker 1: servicemen and women. And for that, I owe Iran. Always remember,
• 1:16:01
  Speaker 1: in a game of cards and war, always leave yourself
• 1:16:04
  Speaker 1: and out. All right, I've got to break.
• 1:16:05
  Speaker 4: Ring the bell.
• 1:16:06
  Speaker 2: Hey, real quick.
• 1:16:07
  Speaker 1: I don't have time. I've got to go. Can you
• 1:16:11
  Speaker 1: hold me over?
• 1:16:13
  Speaker 4: No.
• 1:16:13
  Speaker 10: Sky.
• 1:16:13
  Speaker 1: 570-WKBN.
• 1:16:14
  Speaker 21: All right, Ron.
• 1:16:16
  Speaker 1: Vert News Radio, 570-WKBN. You're on the air.
• 1:16:19
  Speaker 25: Yeah, hi, Ron.
• 1:16:21
  Speaker 13: An aye-aye, Captain, to Ted the Conservative and the email.
• 1:16:26
  Speaker 13: Had some great points there. I just wanted to touch
• 1:16:30
  Speaker 13: base very quickly on the kind of, back to that
• 1:16:35
  Speaker 13: Epstein thing, and your remark about Trump, and if Trump
• 1:16:41
  Speaker 13: was in it, then he should go to jail with
• 1:16:43
  Speaker 13: this one. Well, you know, the Democrats got rid of
• 1:16:48
  Speaker 13: Eric Swalwell in six days. If Trump was at all involved,
• 1:16:54
  Speaker 13: they'd have got rid of him a long time ago.
• 1:16:56
  Speaker 13: The Epstein thing bothers me because in bringing it up
• 1:17:04
  Speaker 13: and who should go to jail and all of this,
• 1:17:07
  Speaker 13: there's 150 victims that received division of two different lawsuits.
• 1:17:18
  Speaker 13: One was part of Epstein's $ 200 million estate. I mean,
• 1:17:26
  Speaker 13: they received a lot of money. I would venture to
• 1:17:29
  Speaker 13: say there's some non-disclosures that had to be written out
• 1:17:37
  Speaker 13: and had to be taken. And the women had received compensation.
• 1:17:45
  Speaker 13: Two different two different.
• 1:17:50
  Speaker 9: Settlements.
• 1:17:52
  Speaker 13: So that, I mean, and yes, and so I looked
• 1:17:56
  Speaker 13: up to find out what the average age of, you know,
• 1:18:00
  Speaker 13: an Epstein victim, and they talk about underage, could be 14, 15,
• 1:18:05
  Speaker 13: as young as 11. Here's what I want to know.
• 1:18:08
  Speaker 13: Where in the heck were those girls' parents? How do
• 1:18:12
  Speaker 13: you let..
• 1:18:13
  Speaker 1: Right, listen, I get all of that, but the reality
• 1:18:17
  Speaker 1: is A crime was committed here and I believe with
• 1:18:20
  Speaker 1: the intelligence community and it's being covered up and it
• 1:18:23
  Speaker 1: continues to be covered up. And I don't support that
• 1:18:28
  Speaker 1: at all. It's reprehensible what happened. And Epstein was created
• 1:18:34
  Speaker 1: by the intelligence community. The intelligence community was involved in this,
• 1:18:37
  Speaker 1: whether that's the U.S. or whether that's Israel, of exploiting
• 1:18:43
  Speaker 1: young girls that were children for sex with Prince Andrew
• 1:18:47
  Speaker 1: and adult men, allegedly, and that's... just reprehensible. All right.
• 1:18:52
  Speaker 13: Well, yeah, I understand that. But I think at this point,
• 1:18:55
  Speaker 13: there is not at this point.
• 1:18:57
  Speaker 1: It's a double standard of justice. All of that information
• 1:19:00
  Speaker 1: should be released. The public has a right to know.
• 1:19:03
  Speaker 1: A lot of people got upset with Trump when he said..
• 1:19:05
  Speaker 13: All of those girls' names should be released?
• 1:19:07
  Speaker 1: Yeah, yeah. I mean, if you want justice..
• 1:19:10
  Speaker 13: And they'd all have to go to trial. You can't
• 1:19:12
  Speaker 13: just accuse people.
• 1:19:14
  Speaker 2: And have people... I mean, they would have to go
• 1:19:16
  Speaker 2: to jail.
• 1:19:17
  Speaker 16: All right.
• 1:19:17
  Speaker 1: Well, very good. Well, many of them should go to jail.
• 1:19:21
  Speaker 1: Thank you. We'll be back after this with The Legal Show.
• 1:19:25
  Speaker 1: Stay tuned.
• 1:19:31
  Speaker 29: From ABC News, I'm Lindsay Davis, anchor of Prime, streaming
• 1:19:35
  Speaker 29: weeknights on ABC News Live. The war in Iran now
• 1:19:38
  Speaker 29: hitting the two-month mark, and Americans are seeing gas prices
• 1:19:41
  Speaker 29: soar the highest in four years. A gallon of regular
• 1:19:44
  Speaker 29: is now averaging $ 4. 35, and in California, topping $ 6 a
• 1:19:49
  Speaker 29: gallon for drivers like Joel Middleton in Los Angeles due
• 1:19:52
  Speaker 29: to the state's refinery costs.
• 1:19:53
  Speaker 22: I'm not spending anything else on anything.
• 1:19:55
  Speaker 1: It's all going to gas.
• 1:19:56
  Speaker 29: President Trump insists those prices will drop, and Iran is
• 1:19:59
  Speaker 29: clamoring to make a deal.
• 1:20:01
  Speaker 3: As soon as the war's over, it'll drop like a rock.
• 1:20:03
  Speaker 3: There's so much out there. It's all over the place,
• 1:20:05
  Speaker 3: sitting all over the oceans of the world.
• 1:20:08
  Speaker 14: But Iran's regime is threatening to hit back on U.S.
• 1:20:11
  Speaker 29: Aggression, and the new supreme leader in a message says
• 1:20:13
  Speaker 29: Iran won't give up its nuclear ambitions. ABC's Tom Sufi-Burge
• 1:20:17
  Speaker 29: has more on the continuing blockade.
• 1:20:19
  Speaker 30: The situation in the Strait of Hormuz remains. I mean,
• 1:20:21
  Speaker 30: we are seeing a very small number of cargo vessels
• 1:20:24
  Speaker 30: get through there. The Japanese said that one of their
• 1:20:27
  Speaker 30: vessels got through yesterday. A Singapore-linked vessel, according to tracking data,
• 1:20:31
  Speaker 30: also was allowed through by the Iranians and also.
• 1:20:34
  Speaker 7: By the U.S.
• 1:20:34
  Speaker 30: Through their blockades because it didn't breach the U.S.
• 1:20:37
  Speaker 1: Blockade.
• 1:20:37
  Speaker 29: The California man federal prosecutors say traveled to Washington, D.C.
• 1:20:41
  Speaker 29: to carry out a mass attack on President Trump at
• 1:20:43
  Speaker 29: the White House Correspondents' Dinner was back in court today.
• 1:20:46
  Speaker 29: A judge ordered he'd remain held in jail. ABC's Pierre
• 1:20:49
  Speaker 29: Thomas says prosecutors detailed suspect Cole Allen's alleged plot.
• 1:20:53
  Speaker 31: Sources telling ABC News that after Allen checked in, he
• 1:20:56
  Speaker 31: allegedly used his laptop to research President Trump's schedule and
• 1:21:01
  Speaker 31: even went down to scope out the area around the ballroom.
• 1:21:04
  Speaker 29: After a historic visit this week, including an address to
• 1:21:06
  Speaker 29: members of Congress and a state dinner at the White House,
• 1:21:09
  Speaker 29: King Charles and Queen Camilla wrapped up their U.S.
• 1:21:11
  Speaker 14: Trip today.
• 1:21:12
  Speaker 29: The royal couple made one last stop at the White
• 1:21:14
  Speaker 29: House today, traveled to Virginia to pay respects at Arlington
• 1:21:17
  Speaker 29: National Cemetery, and later took part in a community potluck
• 1:21:20
  Speaker 29: gathering for America's 250th celebration. The royal couple is now
• 1:21:24
  Speaker 29: heading to Bermuda. You're listening to ABC News.
• 1:21:30
  Speaker 1: Over 30 years, I can answer my own question. We
• 1:21:33
  Speaker 1: have a legal show courtesy of the law firm Beatrice Copp.
• 1:21:37
  Speaker 1: So for the next hour on Thursdays from 5 to 6,
• 1:21:40
  Speaker 1: we take legal questions for some of the best attorneys around.
• 1:21:44
  Speaker 1: And if you have a legal question about what's going
• 1:21:46
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• 1:21:48
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• 1:21:51
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• 1:21:54
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• 1:21:57
  Speaker 1: All my lines are open. I'll give you the phone
• 1:21:58
  Speaker 1: number out momentarily. So whether or not you have a
• 1:22:01
  Speaker 1: domestic relations issue, that's child support, divorce, custody. How about
• 1:22:06
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• 1:22:09
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• 1:22:12
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• 1:22:14
  Speaker 1: Perhaps you're more interested in auto accidents, medical malpractice, speeding tickets,
• 1:22:22
  Speaker 1: any type of litigation you have going on in your world, well,
• 1:22:25
  Speaker 1: guess what? This is a spot and has been a
• 1:22:28
  Speaker 1: spot for 35-plus years where people call on Thursdays to
• 1:22:32
  Speaker 1: ask their question. We try to answer it, point you
• 1:22:35
  Speaker 1: in the right direction, don't send you a bill. So
• 1:22:37
  Speaker 1: if you fall into that category, on this Thursday, I
• 1:22:40
  Speaker 1: have three lines open in Youngstown, and you can call
• 1:22:44
  Speaker 1: and get in rotation. It always happens. If you want
• 1:22:48
  Speaker 1: to ask a question, get on it at the beginning,
• 1:22:50
  Speaker 1: because at the end... Well, the end is the end
• 1:22:54
  Speaker 1: as far as the show goes, and we can't get
• 1:22:56
  Speaker 1: you on.
• 1:22:56
  Speaker 4: 330-729-9977.
• 1:22:57
  Speaker 3: 330-729-9977.
• 1:22:57
  Speaker 1: Legal questions? Pick up the phone. Give us a call
• 1:23:00
  Speaker 1: right now. 330-729-9977.
• 1:23:01
  Speaker 18: 330-729-9977.
• 1:23:01
  Speaker 1: I have three lines in Youngstown open. If you've got
• 1:23:04
  Speaker 1: a legal question, give us a call right now. Now
• 1:23:06
  Speaker 1: let's go to the law firm of Beatrice Copp. Where
• 1:23:22
  Speaker 1: the kingmaker is always there making things interesting and stealing
• 1:23:26
  Speaker 1: people's lunches out of the refrigerator, Attorney David Beatrice.
• 1:23:30
  Speaker 6: I'm very frustrated today.
• 1:23:31
  Speaker 14: He's been frustrated. Not just today.
• 1:23:34
  Speaker 1: What seems to be the problem?
• 1:23:36
  Speaker 6: Well, I got a dog.
• 1:23:38
  Speaker 14: Bandit Jeffrey Beatrice.
• 1:23:39
  Speaker 6: His name's Bandit.
• 1:23:41
  Speaker 1: Yeah, and you took him for training, and the dog
• 1:23:44
  Speaker 1: went to training, and it's doing great, as I hear.
• 1:23:47
  Speaker 6: He is, except I crate him at night, okay? So
• 1:23:52
  Speaker 6: he was in his crate.
• 1:23:53
  Speaker 25: Look at this.
• 1:23:55
  Speaker 6: He was in his crate.
• 1:23:58
  Speaker 1: And..
• 1:24:00
  Speaker 6: And?
• 1:24:01
  Speaker 14: And he had $ 200.
• 1:24:03
  Speaker 6: No, I had more.
• 1:24:04
  Speaker 17: Oh.
• 1:24:04
  Speaker 6: So I let him out.
• 1:24:09
  Speaker 1: Okay.
• 1:24:09
  Speaker 6: And I was so tired when I brought him back
• 1:24:11
  Speaker 6: in that I didn't put him in his crate.
• 1:24:15
  Speaker 1: What time was this? Roughly what time?
• 1:24:17
  Speaker 6: Like 2 o'clock in the morning. He was like banging
• 1:24:19
  Speaker 6: on the crate, and I know what that means. He
• 1:24:21
  Speaker 6: has to go to the potty.
• 1:24:23
  Speaker 2: Right.
• 1:24:24
  Speaker 6: And so I came back in and I fell asleep.
• 1:24:28
  Speaker 1: The dog went out, went to the bathroom. Did the
• 1:24:30
  Speaker 1: dog come back in?
• 1:24:32
  Speaker 6: Yes, the dog came back in, but I forgot to
• 1:24:34
  Speaker 6: put him in his crate.
• 1:24:35
  Speaker 1: Oh, my God. Okay, so you fell asleep.
• 1:24:39
  Speaker 6: Right. When I woke up, he chewed my wallet to nothing.
• 1:24:44
  Speaker 2: Okay?
• 1:24:45
  Speaker 6: My wallet is shot. It's in 20 pieces.
• 1:24:49
  Speaker 14: But it's not just the wallet he got.
• 1:24:50
  Speaker 6: He ate $ 200.
• 1:24:53
  Speaker 1: What about your credit cards and all that stuff? Oh, yeah.
• 1:24:56
  Speaker 14: Which one?
• 1:24:57
  Speaker 6: Which one, Ron? Because I have to get all new
• 1:24:59
  Speaker 6: credit cards.
• 1:25:00
  Speaker 1: What about your driver's license?
• 1:25:02
  Speaker 6: No, he didn't go after that.
• 1:25:04
  Speaker 14: But his health insurance cards, his Pennsylvania attorney's license. I mean,
• 1:25:08
  Speaker 14: I'm looking at it right now.
• 1:25:09
  Speaker 6: I have half a Medicare card.
• 1:25:10
  Speaker 14: Half of a Medicare card.
• 1:25:13
  Speaker 2: Hi, Ron.
• 1:25:14
  Speaker 14: How are you?
• 1:25:15
  Speaker 1: I'm Tally. It's good to hear your voice. Thank you.
• 1:25:17
  Speaker 14: I was going to hear yours.
• 1:25:19
  Speaker 1: But I'm intrigued by this. So you're saying he simply
• 1:25:24
  Speaker 1: ate your wallet, and now what are you going to do?
• 1:25:28
  Speaker 6: Well, I didn't have enough numbers on the $ 100 bill
• 1:25:32
  Speaker 6: that he chewed up. So that $ 100 was gone. I
• 1:25:36
  Speaker 6: was able to put together one $ 50 bill. Did you
• 1:25:39
  Speaker 6: tape it?
• 1:25:40
  Speaker 14: Scotch tape it?
• 1:25:40
  Speaker 6: Yeah, I scotch taped it. They took that one. The
• 1:25:43
  Speaker 6: other $ 50... The other 50, I found the other part
• 1:25:47
  Speaker 6: of it, and then now I put it together, and
• 1:25:50
  Speaker 6: now I don't know what I did with it.
• 1:25:52
  Speaker 1: Okay, so you lost it, yeah.
• 1:25:55
  Speaker 6: So I legitimately lost that 50. I thought I put
• 1:25:58
  Speaker 6: it in my car, but I went somewhere and I
• 1:26:00
  Speaker 6: didn't lock my car, and so I'm wondering if someone
• 1:26:02
  Speaker 6: just didn't.
• 1:26:03
  Speaker 1: Well, who knows?
• 1:26:04
  Speaker 14: You lost your phone the other day.
• 1:26:05
  Speaker 1: You're not operating on a lot of sleep. You're tired.
• 1:26:08
  Speaker 1: You're exhausted from the dog, obviously.
• 1:26:12
  Speaker 9: Right?
• 1:26:12
  Speaker 15: Right.
• 1:26:14
  Speaker 1: You're so frustrated.
• 1:26:16
  Speaker 6: I'm carving this. Look at this card.
• 1:26:17
  Speaker 14: You need to go to the bathhouse or whatever.
• 1:26:19
  Speaker 6: I'm doing that tonight.
• 1:26:20
  Speaker 1: Okay, good.
• 1:26:21
  Speaker 14: You should have done it before the radio.
• 1:26:22
  Speaker 1: Whatever. Yeah, get in the ice tub or whatever the
• 1:26:25
  Speaker 1: hell that is.
• 1:26:26
  Speaker 6: Yeah, that's what I'm doing. Right.
• 1:26:29
  Speaker 1: Come to think of it, Dave, maybe that's not a
• 1:26:31
  Speaker 1: good idea because you can't afford it right now.
• 1:26:38
  Speaker 6: This credit card, he mangled this thing. Look at this.
• 1:26:41
  Speaker 1: So what time did you discover the... pickpocket of your
• 1:26:45
  Speaker 1: dog your dog i i.
• 1:26:47
  Speaker 6: What happened was is i i woke up i heard
• 1:26:50
  Speaker 6: like noise and i looked down and i go oh
• 1:26:54
  Speaker 6: my god he chewed i i can't even get things
• 1:26:59
  Speaker 6: out of my wallet it's so stuffed okay he literally
• 1:27:06
  Speaker 6: chewed through the wallet chewed through the credit cards Chewed
• 1:27:11
  Speaker 6: half of my Medicare Part B card up. My medical
• 1:27:15
  Speaker 6: mutual card, shot. A couple of my bar licenses, shot.
• 1:27:19
  Speaker 2: Okay.
• 1:27:21
  Speaker 14: Well, the one expires next month, or in July.
• 1:27:24
  Speaker 1: You know, Dave, maybe it's time to just put the
• 1:27:26
  Speaker 1: dog down.
• 1:27:28
  Speaker 14: Don't say dirty words.
• 1:27:29
  Speaker 10: No.
• 1:27:29
  Speaker 14: You know what I think? I think he's like his dad,
• 1:27:32
  Speaker 14: and I think he likes the smell of money.
• 1:27:34
  Speaker 6: Yeah, I'm tired of him smelling my money.
• 1:27:36
  Speaker 14: Yeah, he's like him and paid me.
• 1:27:39
  Speaker 6: I didn't get a chance to give it to Julie.
• 1:27:42
  Speaker 6: I put it on my counter, and now I'm 200 short. Well, 150. Oh, no,
• 1:27:49
  Speaker 6: 150 because I couldn't find the other part of the 100.
• 1:27:52
  Speaker 6: The 50 I found, and I don't know what I
• 1:27:54
  Speaker 6: did with it.
• 1:27:56
  Speaker 1: Well, don't you? I mean, is this really working out
• 1:27:58
  Speaker 1: for you? You can't get a good night's sleep because
• 1:28:00
  Speaker 1: the dog's banging on the crate.
• 1:28:01
  Speaker 6: I can get a good night's sleep. But when he
• 1:28:03
  Speaker 6: has to go, when he's banging on the crate, I
• 1:28:06
  Speaker 6: know what that means. He's got to go.
• 1:28:08
  Speaker 1: And it wakes you up.
• 1:28:09
  Speaker 14: Why don't you get a dog door?
• 1:28:11
  Speaker 1: Well, you can't do that. You'd go out and never
• 1:28:13
  Speaker 1: come back.
• 1:28:15
  Speaker 14: I have an electric fence and a doggy door.
• 1:28:18
  Speaker 6: I have an electric fence, too, but I'm not letting
• 1:28:20
  Speaker 6: him outside.
• 1:28:21
  Speaker 1: Next thing you know, Dave, you'll have a raccoon coming
• 1:28:23
  Speaker 1: in the doggy door.
• 1:28:24
  Speaker 14: No, they make it with sensors now. They have to
• 1:28:28
  Speaker 14: have the collar on in order for it to open.
• 1:28:30
  Speaker 6: Oh, really?
• 1:28:30
  Speaker 2: Yeah.
• 1:28:31
  Speaker 14: It was three grand, but it's worth it.
• 1:28:33
  Speaker 1: Three grand? It worked for me.
• 1:28:35
  Speaker 14: It was that with the electric fence, but my dog
• 1:28:37
  Speaker 14: is really dumb and she doesn't know how to use
• 1:28:39
  Speaker 14: the dog door. We've tried. And she's supposed to be smart.
• 1:28:41
  Speaker 14: She's a smart breed, but I think something's wrong with her.
• 1:28:44
  Speaker 1: $ 3, 000 for the fence and a doggy door.
• 1:28:47
  Speaker 14: Like, yeah, but you have to have the fence collar on.
• 1:28:49
  Speaker 6: That was just part of my craft.
• 1:28:51
  Speaker 1: Tally, just so you know. Well, no, come to think
• 1:28:53
  Speaker 1: of it, I was going to say Dave isn't married
• 1:28:54
  Speaker 1: to a doctor, but he is married to a doctor.
• 1:28:56
  Speaker 14: Yes, he is.
• 1:28:58
  Speaker 1: He certainly should be able to afford that, too.
• 1:29:03
  Speaker 6: Don't even start on my house right now.
• 1:29:05
  Speaker 14: He's had a really bad week.
• 1:29:07
  Speaker 6: I've had a really bad week.
• 1:29:08
  Speaker 22: Why?
• 1:29:08
  Speaker 1: How so? What's wrong with the house?
• 1:29:11
  Speaker 6: So Pam called Orkin because she thought she heard something
• 1:29:17
  Speaker 6: in the attic. Orkin goes up into the attic. And
• 1:29:24
  Speaker 6: we had a couple friends up there, a squirrel and
• 1:29:26
  Speaker 6: some mice. And Orkin then killed the squirrel, caught the squirrel,
• 1:29:32
  Speaker 6: and let the squirrel go. The mice, I think they
• 1:29:34
  Speaker 6: trapped it, but they said there's excrement all over the insulation.
• 1:29:41
  Speaker 13: So gross.
• 1:29:42
  Speaker 6: So as they were taking down the insulation, from the
• 1:29:47
  Speaker 6: storms we had, my underboards got soaked. So now I've
• 1:29:52
  Speaker 6: got to put a new roof on. So I have
• 1:29:55
  Speaker 6: a new roof going on, and then they discovered that
• 1:30:00
  Speaker 6: the siding doesn't match. The siding doesn't match? Yeah, because
• 1:30:06
  Speaker 6: they had to take some of the siding down from
• 1:30:07
  Speaker 6: hail damage. I had extra panels, but they don't match.
• 1:30:12
  Speaker 1: They're not sun-faded, yeah.
• 1:30:14
  Speaker 6: Yeah. So after they're done, then Orkin comes back and
• 1:30:18
  Speaker 6: puts in the insulation.
• 1:30:20
  Speaker 4: Really?
• 1:30:21
  Speaker 2: Yeah.
• 1:30:21
  Speaker 1: What's, what's, what's something like that cost?
• 1:30:24
  Speaker 6: You don't want to know. And it's not, the insurance
• 1:30:27
  Speaker 6: doesn't cover rodents. My homeowners didn't cover the insulation and
• 1:30:32
  Speaker 6: the getting rid of the rodents.
• 1:30:35
  Speaker 1: What about the roof and the siding?
• 1:30:38
  Speaker 6: So I think I might get some of that covered.
• 1:30:41
  Speaker 1: Some of it.
• 1:30:43
  Speaker 14: It'll be just like his dinghy getting fixed.
• 1:30:45
  Speaker 1: Some of it.
• 1:30:46
  Speaker 6: That's not, can we not talk about my dinghy? I'm,
• 1:30:50
  Speaker 6: I'm really getting upset at this point.
• 1:30:51
  Speaker 1: Well, you are really. I can sense it in you. Well,
• 1:30:55
  Speaker 1: you talk about a streak of bad luck.
• 1:30:57
  Speaker 2: Yeah.
• 1:30:57
  Speaker 1: My God. I mean, you know, this uncontrollable dog. Walking
• 1:31:01
  Speaker 1: bad luck. Really. I mean, the uncontrollable dog who ate
• 1:31:05
  Speaker 1: your wallet and the rodents in the attic and what's
• 1:31:09
  Speaker 1: going on there. My God.
• 1:31:10
  Speaker 2: Yeah.
• 1:31:12
  Speaker 14: Whenever you feel like you're having a bad day, just
• 1:31:14
  Speaker 14: call Dave Beatrice and ask him how his day is going.
• 1:31:16
  Speaker 1: You'll feel better.
• 1:31:18
  Speaker 5: Right.
• 1:31:18
  Speaker 1: You know what?
• 1:31:19
  Speaker 6: Then I splash the boat and all kinds of stuff
• 1:31:23
  Speaker 6: wrong there. All kinds of stuff. What were you saying, Ron?
• 1:31:28
  Speaker 6: Let's take some calls.
• 1:31:29
  Speaker 1: You know what would make me feel better, Tali? I mean,
• 1:31:32
  Speaker 1: when I hear all the bad stuff that happened to Dave.
• 1:31:35
  Speaker 1: Is there any way we can get Frank on the show?
• 1:31:36
  Speaker 1: Because Frank's a winner.
• 1:31:37
  Speaker 6: No, Frank is absent again.
• 1:31:40
  Speaker 1: Frank always has good things going on.
• 1:31:42
  Speaker 6: Frank's absent again.
• 1:31:43
  Speaker 14: To be fair, I'm also a winner, Ron.
• 1:31:46
  Speaker 1: Oh, I know that. Ron, I have to tell you.
• 1:31:49
  Speaker 14: I can call Frank and see if he'll grace us
• 1:31:51
  Speaker 14: with his presence.
• 1:31:52
  Speaker 6: I have to tell you, Ron. I caught him snapping
• 1:31:55
  Speaker 6: a picture of me yesterday, and he showed it to Julie,
• 1:31:59
  Speaker 6: and it's going to show up somewhere in this office.
• 1:32:01
  Speaker 1: I'm going to call him right now. What seems to
• 1:32:03
  Speaker 1: be the problem? Dave, with the picture.
• 1:32:05
  Speaker 6: Because he says he doesn't do this stuff to me,
• 1:32:07
  Speaker 6: and he does do this stuff to me.
• 1:32:08
  Speaker 1: And what was it a picture of? You do it
• 1:32:09
  Speaker 1: to yourself.
• 1:32:10
  Speaker 6: No, I was sitting there.
• 1:32:11
  Speaker 14: You're the one that looks like that.
• 1:32:12
  Speaker 2: Yeah, it's a picture.
• 1:32:14
  Speaker 6: Can you take a picture of it?
• 1:32:16
  Speaker 1: So you weren't at your best, basically, right?
• 1:32:19
  Speaker 6: No, I was not at my best. And then he
• 1:32:23
  Speaker 6: filmed me surreptitiously.
• 1:32:25
  Speaker 14: The winner is working, and he's got to get off
• 1:32:27
  Speaker 14: this phone call, and then he'll be here.
• 1:32:29
  Speaker 1: Oh, great.
• 1:32:29
  Speaker 6: He surreptitiously filmed me as I was talking. I know
• 1:32:32
  Speaker 6: he was filming me. And I didn't catch it until
• 1:32:35
  Speaker 6: the end. I go, were you filming me?
• 1:32:37
  Speaker 14: I'm going to look at the last picture I took
• 1:32:38
  Speaker 14: of you just for fun.
• 1:32:40
  Speaker 6: Don't do that.
• 1:32:41
  Speaker 1: I tell you what, we'll take some calls. Let's take
• 1:32:43
  Speaker 1: some calls, Dave, and hopefully you'll have a good program.
• 1:32:46
  Speaker 1: You're on the air with the attorneys. Hello.
• 1:32:50
  Speaker 14: How can we help you?
• 1:32:51
  Speaker 1: Caller, are you there?
• 1:32:52
  Speaker 2: Who are you calling?
• 1:32:54
  Speaker 16: Who are you talking to?
• 1:32:55
  Speaker 1: I'm talking to you.
• 1:32:56
  Speaker 6: To you, ma'am.
• 1:32:56
  Speaker 14: How can we help you?
• 1:32:58
  Speaker 1: Go ahead.
• 1:33:00
  Speaker 16: Yes, I've got a two-part question, and it's not exactly local.
• 1:33:05
  Speaker 16: A car blew through a place for directing traffic after
• 1:33:11
  Speaker 16: a concert. A car blew through on the passing lane,
• 1:33:15
  Speaker 16: T-boned the car that my daughter's were in. The one
• 1:33:20
  Speaker 16: in the back seat ended up with a tear in
• 1:33:27
  Speaker 16: her intestine. and something with the top of her spine
• 1:33:34
  Speaker 16: and the base of her skull. So anyway, there's two
• 1:33:38
  Speaker 16: parts to this. A, the initial hospital where the ambulance
• 1:33:43
  Speaker 16: took her said that it was the injury, the fluid
• 1:33:49
  Speaker 16: in her body cavity was from a cyst that was
• 1:33:54
  Speaker 16: on her ovary. that burst instead of the fluid leaking
• 1:33:58
  Speaker 16: from her belt.
• 1:33:59
  Speaker 14: Wait, it burst because of the accident?
• 1:34:02
  Speaker 16: That was caused by the accident. Well, it wasn't there before.
• 1:34:06
  Speaker 14: Okay, so the cyst, okay.
• 1:34:08
  Speaker 16: So then, so this tear, this puncture or whatever, tear
• 1:34:14
  Speaker 16: in her intestine that was leaking fluid, that wasn't cut.
• 1:34:19
  Speaker 16: That was caused in the accident. So that's a life-threatening injury.
• 1:34:24
  Speaker 16: So that's a serious injury. So my understanding from reading
• 1:34:29
  Speaker 16: the law, it doesn't seem very complicated, that serious injury
• 1:34:35
  Speaker 16: and now she's 21 years old. She has a scar
• 1:34:39
  Speaker 16: clear down top to bottom because it was emergency surgery
• 1:34:42
  Speaker 16: at a second hospital. We ended up taking her to
• 1:34:47
  Speaker 16: a different ER after the first ER said that, oh, yeah,
• 1:34:51
  Speaker 16: you know, it's just her ovary. She's going to be fine. Anyhow,
• 1:34:55
  Speaker 16: so she ends up having emergency surgery in hospital for
• 1:34:58
  Speaker 16: a week and in pain for, you know, god only knows.
• 1:35:01
  Speaker 16: It's just, it's been awful. So, anyhow, secondly, they're letting
• 1:35:07
  Speaker 16: the guy that, while police, it was police, auxiliary police
• 1:35:13
  Speaker 16: were directing traffic. The guy blows by, stops traffic, and,
• 1:35:18
  Speaker 16: you know, he uses the turning lane. He burns the
• 1:35:21
  Speaker 16: car that the kids were in, and they're charging him with,
• 1:35:27
  Speaker 16: they're letting him plea on misdemeanors instead of felonies. And
• 1:35:30
  Speaker 16: shouldn't that be felonies if there's serious injury and disfigurement?
• 1:35:35
  Speaker 6: No, not unless he was drinking.
• 1:35:38
  Speaker 1: Gosh, okay.
• 1:35:41
  Speaker 6: Do you have a lawyer representing you on the personal
• 1:35:43
  Speaker 6: injury claim?
• 1:35:45
  Speaker 16: Okay.
• 1:35:46
  Speaker 1: It's a yes or no, do you?
• 1:35:47
  Speaker 16: No, not yet.
• 1:35:51
  Speaker 15: Why?
• 1:35:51
  Speaker 16: Because we're still working on the injuries.
• 1:35:55
  Speaker 6: Listen, listen.
• 1:35:56
  Speaker 16: You know what? It's been a cluster. I'm working on it.
• 1:36:00
  Speaker 1: All right, but listen to what Dave's going to say.
• 1:36:02
  Speaker 6: Let me just give you some advice, okay?
• 1:36:04
  Speaker 16: Thank you. I appreciate it.
• 1:36:07
  Speaker 6: That guy that caused the accident, if someone malpracticed on
• 1:36:12
  Speaker 6: your daughter, he's responsible for that.
• 1:36:15
  Speaker 2: Also how do.
• 1:36:20
  Speaker 16: I find an attorney that will do a malpractice i
• 1:36:26
  Speaker 16: mean it is nearly they just want to go for
• 1:36:30
  Speaker 16: the for the guy that you know.
• 1:36:32
  Speaker 1: Okay where hang on a second where are you located
• 1:36:35
  Speaker 1: where did this happen It doesn't matter.
• 1:36:38
  Speaker 16: I'm sitting in Ohio, but the accident happened in Illinois.
• 1:36:42
  Speaker 2: It wasn't an accident.
• 1:36:43
  Speaker 4: It was a crash.
• 1:36:44
  Speaker 2: In Illinois.
• 1:36:46
  Speaker 1: Right. Illinois.
• 1:36:48
  Speaker 14: Yeah, Illinois, not Illinois.
• 1:36:50
  Speaker 6: Yeah, so what we would do if you were to
• 1:36:52
  Speaker 6: hire us is we would find you a lawyer in
• 1:36:55
  Speaker 6: Illinois through our networking that we have, and we would
• 1:37:00
  Speaker 6: partner with them, and we would help you manage the
• 1:37:03
  Speaker 6: bills because... These bills are going to be coming in.
• 1:37:06
  Speaker 6: People are going to be calling you. And you've got
• 1:37:10
  Speaker 6: to manage that part of it. And you have what's
• 1:37:14
  Speaker 6: called med pay. You don't want them grabbing that because
• 1:37:19
  Speaker 6: you're going to need that for any deductibles you may have.
• 1:37:23
  Speaker 6: So I know you're dealing with her injuries. That's why
• 1:37:27
  Speaker 6: you should let a lawyer deal with all the other
• 1:37:28
  Speaker 6: headaches that come along with those injuries.
• 1:37:32
  Speaker 4: Right.
• 1:37:32
  Speaker 14: It'll make it a lot easier on you and your daughter.
• 1:37:35
  Speaker 6: And we do probably the most malpractice than any local firm.
• 1:37:41
  Speaker 14: Yeah, in the county.
• 1:37:42
  Speaker 16: Do you really?
• 1:37:44
  Speaker 1: Yes.
• 1:37:45
  Speaker 16: Yeah. We need help with this because it's just..
• 1:37:50
  Speaker 6: It's overwhelming.
• 1:37:52
  Speaker 16: Yeah, and it's not working out. Like, the state attorneys
• 1:37:55
  Speaker 16: are not... You know, I said, can I hire you? Whatever.
• 1:38:00
  Speaker 16: It's just, it just, it does not seem fair.
• 1:38:03
  Speaker 14: You need to focus on your daughter.
• 1:38:06
  Speaker 16: All right.
• 1:38:07
  Speaker 6: Okay, listen, listen, caller.
• 1:38:09
  Speaker 1: Just listen.
• 1:38:10
  Speaker 2: Yes, sir.
• 1:38:11
  Speaker 6: What a lawyer can do for you is get you
• 1:38:16
  Speaker 6: properly compensated for all the pain and aggravation that your
• 1:38:20
  Speaker 6: daughter's going through.
• 1:38:21
  Speaker 11: Mm-hmm.
• 1:38:22
  Speaker 1: Now, generally, listen to what he's saying. Just pay attention. Okay, caller.
• 1:38:27
  Speaker 6: You're angry at the driver. because he drove recklessly and
• 1:38:32
  Speaker 6: he injured your daughter. Now, generally, if he wasn't intoxicated,
• 1:38:39
  Speaker 6: that's generally a misdemeanor. I'd have to check Illinois, but
• 1:38:44
  Speaker 6: I'm pretty sure in the state of Illinois, like Ohio,
• 1:38:48
  Speaker 6: if you just blow through a red light and you
• 1:38:50
  Speaker 6: kill someone, that's called vehicular homicide. That's a misdemeanor one. Now,
• 1:38:57
  Speaker 6: if he was intoxicated, it jumps up to a felony then.
• 1:39:01
  Speaker 2: Correct.
• 1:39:02
  Speaker 6: Or if he was driving extremely reckless, maybe. But if
• 1:39:07
  Speaker 6: he was just, you know, you blow through a stop
• 1:39:09
  Speaker 6: sign and you kill someone, that's a misdemeanor one. And
• 1:39:13
  Speaker 6: those are hard cases.
• 1:39:14
  Speaker 1: All right.
• 1:39:15
  Speaker 6: So what should he do?
• 1:39:16
  Speaker 1: Call a firm.
• 1:39:17
  Speaker 6: So she shouldn't worry about what's happening to him. She
• 1:39:20
  Speaker 6: should focus on her daughter.
• 1:39:22
  Speaker 14: Focus on what matters.
• 1:39:23
  Speaker 4: Yeah.
• 1:39:23
  Speaker 6: And then let the attorneys.
• 1:39:26
  Speaker 9: Sorry.
• 1:39:27
  Speaker 15: Go ahead.
• 1:39:28
  Speaker 14: I'm sorry.
• 1:39:29
  Speaker 1: All right. The bottom line is, Dave, if she calls
• 1:39:32
  Speaker 1: your firm, can you help her? Yes or no?
• 1:39:35
  Speaker 6: Absolutely.
• 1:39:36
  Speaker 1: All right. Absolutely. All right. So call Beatrice, okay?
• 1:39:41
  Speaker 4: Yes.
• 1:39:42
  Speaker 1: Do you need the number?
• 1:39:43
  Speaker 4: I do.
• 1:39:44
  Speaker 23: All right.
• 1:39:46
  Speaker 10: 330.
• 1:39:46
  Speaker 6: Tell her the name.
• 1:39:47
  Speaker 16: 330.
• 1:39:48
  Speaker 2: 330.
• 1:39:50
  Speaker 6: 7-4-6.
• 1:39:51
  Speaker 16: 7-4-6.
• 1:39:54
  Speaker 6: 8-4-8-4. Now, when you call in, ask for Kenny. That's
• 1:39:59
  Speaker 6: our investigator.
• 1:40:00
  Speaker 1: Kenny. Okay.
• 1:40:02
  Speaker 2: Kenny.
• 1:40:02
  Speaker 32: 7-4-6-8-4-8-4.
• 1:40:03
  Speaker 6: Yeah. And then I'll have you back in once he
• 1:40:09
  Speaker 6: does all the intake because there's a lot of things.
• 1:40:11
  Speaker 6: We have a lot of parts in motion before you
• 1:40:15
  Speaker 6: even come and meet with me.
• 1:40:16
  Speaker 1: All right. So do that.
• 1:40:18
  Speaker 2: Yes.
• 1:40:19
  Speaker 1: All right.
• 1:40:19
  Speaker 16: I will do that, Kenny. Okay, Beatrice and Kenny.
• 1:40:22
  Speaker 14: Good luck to your daughter.
• 1:40:23
  Speaker 1: All right, thanks.
• 1:40:24
  Speaker 16: Thank you.
• 1:40:25
  Speaker 6: Thank you, Sally.
• 1:40:25
  Speaker 1: Good luck to your daughter. You're on the air with
• 1:40:28
  Speaker 1: the attorneys.
• 1:40:28
  Speaker 2: Hello.
• 1:40:30
  Speaker 4: Yes, how are you?
• 1:40:31
  Speaker 1: Good. Go ahead, please.
• 1:40:32
  Speaker 11: I have a question about protecting a vehicle. It's a
• 1:40:36
  Speaker 11: new vehicle that's paid off. I manage a living trust,
• 1:40:41
  Speaker 11: and I'm a trustee and a manager. What's the procedure
• 1:40:47
  Speaker 11: in either... protecting the equity of the vehicle, or selling
• 1:40:52
  Speaker 11: the vehicle to a trust with a promissory note.
• 1:41:00
  Speaker 2: Okay.
• 1:41:00
  Speaker 11: To protect it in the event that something should happen to,
• 1:41:03
  Speaker 11: should something happen.
• 1:41:08
  Speaker 1: Bandit.
• 1:41:09
  Speaker 6: Okay, so he chewed through my wallet.
• 1:41:14
  Speaker 1: Let's answer his question first.
• 1:41:15
  Speaker 32: And $ 200.
• 1:41:15
  Speaker 4: Sorry about the wallet.
• 1:41:17
  Speaker 6: He ate $ 200, Frank. Okay, so is it your living trust?
• 1:41:25
  Speaker 11: Yes, that I'm the manager of. I'm actually the manager
• 1:41:28
  Speaker 11: of it.
• 1:41:28
  Speaker 6: I understand that.
• 1:41:29
  Speaker 11: It was created, but it wasn't created by me. I
• 1:41:31
  Speaker 11: just ended up being the manager of it.
• 1:41:33
  Speaker 1: Who's the trust for?
• 1:41:35
  Speaker 6: It's his own trust.
• 1:41:36
  Speaker 11: It's a living trust.
• 1:41:39
  Speaker 6: It's his own trust. He's the beneficiary, the settler, and
• 1:41:43
  Speaker 6: the trustee.
• 1:41:45
  Speaker 11: Correct.
• 1:41:46
  Speaker 6: So you can't violate a duty to yourself. Whatever you
• 1:41:50
  Speaker 6: think's best is what you should do.
• 1:41:52
  Speaker 4: Got it.
• 1:41:54
  Speaker 1: You understand?
• 1:41:55
  Speaker 6: You have a living trust that you created for yourself.
• 1:41:59
  Speaker 6: You put the car in the trust. You could take
• 1:42:02
  Speaker 6: the car out of the trust. You could sell the car.
• 1:42:05
  Speaker 6: You could do whatever you want with the car. Because
• 1:42:08
  Speaker 6: you are not only the settler. The settler is the
• 1:42:10
  Speaker 6: person who creates the trust. You are the beneficiary of
• 1:42:14
  Speaker 6: the trust. And you're the trustee of the trust. So
• 1:42:19
  Speaker 6: you're saying, what kind of duty do I have to myself?
• 1:42:22
  Speaker 6: Whatever you want it to be.
• 1:42:25
  Speaker 11: Now, what if I've talked, I've heard about people having
• 1:42:28
  Speaker 11: trusts that were created like a blind trust, I guess.
• 1:42:31
  Speaker 11: Don't get me on these names because I don't know.
• 1:42:33
  Speaker 11: But let's say, for instance, I had someone else create
• 1:42:36
  Speaker 11: a trust in my behalf so that it wasn't attached
• 1:42:40
  Speaker 11: to me. And then I would manage or operate that
• 1:42:45
  Speaker 11: trust as a trustee or a manager.
• 1:42:46
  Speaker 2: All right.
• 1:42:48
  Speaker 11: I know that's different.
• 1:42:49
  Speaker 6: Where you're getting concepts confused is people set up different
• 1:42:53
  Speaker 6: kind of trusts to avoid federal estate tax. There is
• 1:42:58
  Speaker 6: no longer any Ohio estate tax. Do you have more
• 1:43:03
  Speaker 6: than $ 12 million in assets?
• 1:43:08
  Speaker 9: No.
• 1:43:10
  Speaker 6: Then you don't even have to worry about federal estate
• 1:43:13
  Speaker 6: tax because they don't start taxing you until your estate
• 1:43:16
  Speaker 6: hits $ 12 million. So you don't need a blind trust.
• 1:43:21
  Speaker 6: The reason you would open up a trust is to
• 1:43:23
  Speaker 6: avoid probate. That's the whole point of opening up a trust.
• 1:43:29
  Speaker 11: What type of trust would you suggest to avoid?
• 1:43:31
  Speaker 1: And Attorney David Beatrice with us, Talley's with us. Dave
• 1:43:35
  Speaker 1: has a lot of issues that he talked about the
• 1:43:37
  Speaker 1: first half of the program. Almost depressing to me, and
• 1:43:40
  Speaker 1: I think even Talley... Did Frank show up? Because we
• 1:43:43
  Speaker 1: need some uplifting guy.
• 1:43:44
  Speaker 3: I'm here.
• 1:43:45
  Speaker 21: I'm here, Ron.
• 1:43:45
  Speaker 1: Oh, thank God.
• 1:43:46
  Speaker 21: You hit it right on the head.
• 1:43:48
  Speaker 1: I mean, it's just a lot of issues. Creighton, the dog,
• 1:43:52
  Speaker 1: the dog eating his wallet. He lost money. I mean,
• 1:43:55
  Speaker 1: it was one thing, you taking a picture. It's one
• 1:43:57
  Speaker 1: thing right after the other. I didn't take a picture.
• 1:44:00
  Speaker 6: Yes, you did, Frank, and you videoed me.
• 1:44:02
  Speaker 1: I didn't video you.
• 1:44:03
  Speaker 6: Yes, you did, Frank.
• 1:44:04
  Speaker 2: No, I didn't.
• 1:44:04
  Speaker 1: I did not video you.
• 1:44:05
  Speaker 6: Look, I can tell when you're lying. I didn't video you.
• 1:44:08
  Speaker 6: You have 17 pantomimes.
• 1:44:10
  Speaker 1: But, I mean... It's just so depressing, some of the stuff.
• 1:44:13
  Speaker 1: Don't make me say it. Don't make me say it.
• 1:44:16
  Speaker 21: Listen, I just said.
• 1:44:19
  Speaker 2: Caller.
• 1:44:20
  Speaker 21: He got more problems than a math book, Ron.
• 1:44:22
  Speaker 1: Okay, yes, he really does. Frank, it's just good to
• 1:44:25
  Speaker 1: hear the voice of a winner. Okay, that's all. Okay,
• 1:44:28
  Speaker 1: go ahead, caller.
• 1:44:29
  Speaker 14: Mine wasn't good enough.
• 1:44:30
  Speaker 1: Yeah, there you go.
• 1:44:31
  Speaker 11: Okay, I'll just finish it with this. If I want
• 1:44:34
  Speaker 11: to protect my particular assets, if there was an event
• 1:44:38
  Speaker 11: where there was a car accident or there was some
• 1:44:40
  Speaker 11: other lawsuit or something, what would be the best type
• 1:44:45
  Speaker 11: of trust that.
• 1:44:45
  Speaker 2: I could get?
• 1:44:48
  Speaker 6: Irrevocable trust, but then you lose control of everything.
• 1:44:53
  Speaker 2: Yeah, I know.
• 1:44:57
  Speaker 6: Here's my suggestion. Buy more insurance. That's the best way
• 1:45:02
  Speaker 6: you protect yourself. Buy more insurance. Get an umbrella policy.
• 1:45:08
  Speaker 6: I have a $ 3 million umbrella policy. And, you know,
• 1:45:12
  Speaker 6: now that I'm older, it's probably enough. But if I
• 1:45:14
  Speaker 6: was Frank's age, Frank, if you don't have a $ 5
• 1:45:18
  Speaker 6: to $ 7 million umbrella, you've got to have that because
• 1:45:21
  Speaker 6: if someone hits you and takes you out, man, there's
• 1:45:24
  Speaker 6: a lot of lost income there.
• 1:45:26
  Speaker 10: Yep.
• 1:45:26
  Speaker 21: No, that's true.
• 1:45:28
  Speaker 11: That's true, but I've heard of those types of trusts.
• 1:45:31
  Speaker 11: Do they exist, or is that just for the..
• 1:45:35
  Speaker 21: No, David's right. You're trying to protect yourself out of
• 1:45:40
  Speaker 21: all liability. It's impossible. You can't do it. The best
• 1:45:43
  Speaker 21: thing you can do is be well-insured, so God forbid
• 1:45:46
  Speaker 21: there's some sort of catastrophic injury to somebody and you're
• 1:45:49
  Speaker 21: at fault, you're protected. That's how you protect yourself. Not
• 1:45:55
  Speaker 21: with a clever trust.
• 1:45:58
  Speaker 1: Okay. So what's embarrassing is when you and.
• 1:46:01
  Speaker 14: Your husband go get insured, and he's insured for way
• 1:46:05
  Speaker 14: more than you are because he's worth way more than
• 1:46:07
  Speaker 14: you are.
• 1:46:07
  Speaker 1: Right. You know what, though?
• 1:46:10
  Speaker 6: Don't give me on insurance.
• 1:46:12
  Speaker 14: Mine's way less.
• 1:46:14
  Speaker 6: Don't start with insurance. That's another bone. It's another sensitive issue.
• 1:46:19
  Speaker 1: What's that, Dave? What seems to be the issue?
• 1:46:21
  Speaker 6: My youngest son moved to Georgia to live with my
• 1:46:25
  Speaker 6: other son.
• 1:46:26
  Speaker 2: Okay? Yeah, sure.
• 1:46:28
  Speaker 6: And so I said, Alexander, you have to get a
• 1:46:33
  Speaker 6: Georgia driver's license.
• 1:46:35
  Speaker 1: Right.
• 1:46:35
  Speaker 6: And we have to get you insurance in Georgia.
• 1:46:38
  Speaker 1: Right.
• 1:46:38
  Speaker 6: So I called my company, and they don't insure in
• 1:46:41
  Speaker 6: the state of Georgia. So I had to go and
• 1:46:44
  Speaker 6: shop for insurance for Alexander.
• 1:46:47
  Speaker 2: Yes.
• 1:46:47
  Speaker 6: And as I'm shopping, the six-month rate was $ 475, 000. And
• 1:46:53
  Speaker 6: they go, can we have Alexander's date of birth? And
• 1:46:57
  Speaker 6: the last four digits was his security number. And they
• 1:47:00
  Speaker 6: looked it up and they go, oh, he has two
• 1:47:02
  Speaker 6: speeding tickets. It went from $ 475 to.
• 1:47:07
  Speaker 21: $ 1, 200.
• 1:47:08
  Speaker 11: A month?
• 1:47:09
  Speaker 6: No, for six months.
• 1:47:11
  Speaker 21: Oh, for six months.
• 1:47:12
  Speaker 6: It's 24.
• 1:47:12
  Speaker 21: So is he only on for six months?
• 1:47:14
  Speaker 6: Yeah, and then I have to renew it when I
• 1:47:15
  Speaker 6: renew my insurance.
• 1:47:17
  Speaker 21: How old is he?
• 1:47:18
  Speaker 6: He's going to be 25.
• 1:47:19
  Speaker 21: How long can he stand your insurance for?
• 1:47:21
  Speaker 6: No, I bought him his own policy now.
• 1:47:24
  Speaker 1: He's got his own policy, Frank. Dave's paying for it, though.
• 1:47:29
  Speaker 1: And his car.
• 1:47:31
  Speaker 6: You think you quit paying? What makes you think..
• 1:47:33
  Speaker 2: Hey, hey, hey.
• 1:47:34
  Speaker 6: Listen to me. You have two boys, my man. You're
• 1:47:37
  Speaker 6: going to pay in Arabic what we call through the...
• 1:47:41
  Speaker 6: Which means through the nose. You think just because your
• 1:47:44
  Speaker 6: boys turn 18, you wipe your hands of them.
• 1:47:46
  Speaker 2: Oh, no.
• 1:47:46
  Speaker 1: You got college.
• 1:47:47
  Speaker 6: You got..
• 1:47:48
  Speaker 21: All right. That's fine. But they're out of college. I'm
• 1:47:51
  Speaker 21: not paying their insurance.
• 1:47:52
  Speaker 1: I don't give a shit.
• 1:47:53
  Speaker 6: You just think they get out of college and they
• 1:47:55
  Speaker 6: get a job that they could support themselves?
• 1:47:56
  Speaker 2: Yeah.
• 1:47:57
  Speaker 6: That's not the realistic life.
• 1:47:58
  Speaker 14: That's what I had to do.
• 1:47:59
  Speaker 21: But I'm saying, though, like... I'll do anything for my kids.
• 1:48:03
  Speaker 21: I don't want to ruin the little pricks. I love them,
• 1:48:05
  Speaker 21: but I don't want to do that. But I'm going
• 1:48:07
  Speaker 21: to tell you right now. I said I wouldn't ruin
• 1:48:09
  Speaker 21: the little pricks. I said my kids. But I'm telling
• 1:48:11
  Speaker 21: you right now, my kids are 26 years old. Yeah,
• 1:48:14
  Speaker 21: they're on their own. I'll do whatever I can for them.
• 1:48:16
  Speaker 21: But if they're not working,– He just graduated college. All right, well,
• 1:48:20
  Speaker 21: that's fine. If they're trying, I'll support them. If they're
• 1:48:23
  Speaker 21: sitting around playing video games, yeah, they could go figure
• 1:48:26
  Speaker 21: it out.
• 1:48:26
  Speaker 6: He's got a job but not a job in his
• 1:48:29
  Speaker 6: career because– I get that. This AI is replacing a lot.
• 1:48:34
  Speaker 2: Oh, yeah.
• 1:48:34
  Speaker 33: No, no, no.
• 1:48:35
  Speaker 14: I'm from poor parents. I didn't have an option.
• 1:48:37
  Speaker 21: I'm with you, but I'm saying.
• 1:48:38
  Speaker 1: Is he like in a computer career, Dave, type of thing?
• 1:48:41
  Speaker 6: He got a dual degree.
• 1:48:43
  Speaker 14: Stop messing with those.
• 1:48:44
  Speaker 6: I'm not messing with them. Sorry, I'm nervous. It's in
• 1:48:46
  Speaker 6: my ADHD. He got a dual degree in hospitality management
• 1:48:51
  Speaker 6: and finance. And I said to him, Alexander, with all
• 1:48:55
  Speaker 6: due respect.
• 1:48:56
  Speaker 14: Be a CPA.
• 1:48:58
  Speaker 6: No, he didn't even want to. finished college.
• 1:49:01
  Speaker 21: Is he good at math?
• 1:49:04
  Speaker 6: He didn't want to even finish college. I forced him.
• 1:49:07
  Speaker 2: Okay.
• 1:49:07
  Speaker 6: I paid for his college. I forced him. He says,
• 1:49:09
  Speaker 6: you've got to get a degree. At least that puts
• 1:49:12
  Speaker 6: bread in your mouth. Yeah, yeah. He goes, well, you know,
• 1:49:15
  Speaker 6: I said, Alexander, what a college degree represents to an
• 1:49:18
  Speaker 6: employer is that for a period of years, you showed
• 1:49:21
  Speaker 6: up on time, you did the work, that shows something
• 1:49:25
  Speaker 6: to an employer.
• 1:49:25
  Speaker 2: Yeah.
• 1:49:26
  Speaker 1: Okay?
• 1:49:26
  Speaker 15: Yeah.
• 1:49:27
  Speaker 6: I said, but if I was you, one thing that
• 1:49:30
  Speaker 6: AI can't replace is hospitality management.
• 1:49:32
  Speaker 4: Yeah.
• 1:49:33
  Speaker 6: I said, people, you know, get into a big hotel chain. Because, yeah,
• 1:49:37
  Speaker 6: but you've got to work all the way up. I go, yeah,
• 1:49:39
  Speaker 6: that's what's called starting at the bottom. And then you
• 1:49:42
  Speaker 6: work up to management.
• 1:49:43
  Speaker 21: It just don't happen.
• 1:49:44
  Speaker 6: That's what he said to me.
• 1:49:46
  Speaker 21: Unless you're part of the luckiest firm.
• 1:49:47
  Speaker 2: Yeah.
• 1:49:47
  Speaker 14: Hard working.
• 1:49:48
  Speaker 6: He goes, well, I don't want to work a front desk.
• 1:49:50
  Speaker 2: I go, okay.
• 1:49:51
  Speaker 6: Alexander, I made $ 16, 000 my first year practicing law. Do
• 1:49:56
  Speaker 6: you think that was enjoyable? I said, you've got to
• 1:49:58
  Speaker 6: start somewhere.
• 1:49:59
  Speaker 14: I worked at Abercrombie. I was a waitress at Ruby Tuesday.
• 1:50:04
  Speaker 14: I did not come from rich parents. My parents were
• 1:50:06
  Speaker 14: not wealthy whatsoever.
• 1:50:08
  Speaker 1: I bet you made a good buck at Ruby Tuesday.
• 1:50:11
  Speaker 1: I bet you did. Good tips.
• 1:50:12
  Speaker 6: I did. I've worked every year since I've been 16
• 1:50:18
  Speaker 6: except my first year of law school.
• 1:50:20
  Speaker 14: I work at 12.
• 1:50:22
  Speaker 6: 16 to 66, 50 years of solid employment minus one year,
• 1:50:28
  Speaker 6: my first year of law school. Then I got a job,
• 1:50:31
  Speaker 6: my second year of law school, get this right, working
• 1:50:34
  Speaker 6: for the Ohio Consumers Council, and I got hospitalization with
• 1:50:38
  Speaker 6: my job.
• 1:50:38
  Speaker 2: Oh, wow.
• 1:50:39
  Speaker 6: My second year of law school.
• 1:50:41
  Speaker 21: That's a good deal.
• 1:50:41
  Speaker 14: I do think the new generation, and this is kind of,
• 1:50:44
  Speaker 14: but I do think the working, the new generation doesn't
• 1:50:48
  Speaker 14: want to work as much.
• 1:50:49
  Speaker 6: No. See, that's a misnomer. What the millennials are mad at,
• 1:50:54
  Speaker 6: and I don't blame them, is we're leaving them a
• 1:50:56
  Speaker 6: screwed up country. We're $ 38 trillion in debt.
• 1:51:00
  Speaker 21: They don't even know that. They don't pay attention to that.
• 1:51:03
  Speaker 21: You're out of your mind. What they're mad at is
• 1:51:05
  Speaker 21: they've got to get up and go to work.
• 1:51:07
  Speaker 6: I am a millennial.
• 1:51:08
  Speaker 34: I am a millennial.
• 1:51:09
  Speaker 14: So this doesn't make sense.
• 1:51:10
  Speaker 6: I mean, not a millennial.
• 1:51:11
  Speaker 21: Don't even start.
• 1:51:12
  Speaker 1: Gen Z.
• 1:51:13
  Speaker 6: Gen Z. Gen Z.
• 1:51:15
  Speaker 14: I work my butt off.
• 1:51:16
  Speaker 6: Listen, they... The housing costs are outlandish.
• 1:51:21
  Speaker 21: It's ridiculous.
• 1:51:22
  Speaker 6: Schooling is outlandish.
• 1:51:24
  Speaker 21: I agree with you.
• 1:51:25
  Speaker 2: All right.
• 1:51:25
  Speaker 14: If I opened a job for a paralegal, how many
• 1:51:28
  Speaker 14: do you think would be actually qualified and want to
• 1:51:30
  Speaker 14: do the work?
• 1:51:31
  Speaker 6: Not much.
• 1:51:33
  Speaker 4: Yeah.
• 1:51:33
  Speaker 21: Well, I think they're out there. You have to look.
• 1:51:38
  Speaker 21: If you want to work. and you're willing to put
• 1:51:41
  Speaker 21: time in and work, there's a place for you somewhere.
• 1:51:44
  Speaker 21: There always is. And I think that's held true forever.
• 1:51:47
  Speaker 6: I think what I did wrong, if I look back,
• 1:51:50
  Speaker 6: is now my daughter, she grinds. God bless her. I'll
• 1:51:53
  Speaker 6: give my daughter and my son, my oldest son, Joseph.
• 1:51:56
  Speaker 1: So what did you do wrong on Alexander? What? What
• 1:52:00
  Speaker 1: did you do wrong with Alexander? Well, I was fine.
• 1:52:02
  Speaker 6: 42 when I had him. And by that time, I
• 1:52:05
  Speaker 6: was like, whatever. Don't get him quiet.
• 1:52:08
  Speaker 2: Yeah.
• 1:52:09
  Speaker 6: You want candy?
• 1:52:09
  Speaker 1: Okay.
• 1:52:10
  Speaker 6: You can have some candy. You know how many people
• 1:52:12
  Speaker 6: thought he was my grandson when we go out to
• 1:52:13
  Speaker 6: the Canfield Fair? Is that your grandson? And I go,
• 1:52:16
  Speaker 6: that's my grandson.
• 1:52:18
  Speaker 14: This is why I'm done having kids. I want to
• 1:52:20
  Speaker 14: be a hot mom, not a grandma.
• 1:52:21
  Speaker 6: Listen, you're 40. Now, add two more years and then
• 1:52:24
  Speaker 6: get an infant.
• 1:52:25
  Speaker 1: Yeah, no.
• 1:52:26
  Speaker 2: No, yeah.
• 1:52:26
  Speaker 21: No, David, I'm telling you.
• 1:52:28
  Speaker 14: Hey, your wife looks good, though.
• 1:52:29
  Speaker 21: No, my wife's beautiful, but I, listen, love my kids,
• 1:52:33
  Speaker 21: love my wife. I love kids, and I love big families.
• 1:52:37
  Speaker 21: I got to tell you, I mean.
• 1:52:41
  Speaker 14: You're done.
• 1:52:41
  Speaker 21: I'm going to be honest with you. My wife knows
• 1:52:42
  Speaker 21: this because, you know, a leopard doesn't change its spots,
• 1:52:45
  Speaker 21: and she knows when she married. But my wife sometimes says, like,
• 1:52:48
  Speaker 21: I want another kid, and I would welcome it. I'd
• 1:52:50
  Speaker 21: have four kids, but. I don't have enough hours in
• 1:52:55
  Speaker 21: the day as it is right now.
• 1:52:56
  Speaker 6: Listen to me, bro. My oldest was nine. My youngest
• 1:53:01
  Speaker 6: was six.
• 1:53:01
  Speaker 14: No, thank you.
• 1:53:02
  Speaker 6: I packed away the crib and I wrote the kids notes. Hey,
• 1:53:06
  Speaker 6: when you're opening this up, you'll be opening it up
• 1:53:08
  Speaker 6: for my grandchild. I had to put that crib back together.
• 1:53:10
  Speaker 6: I had to put all that thing back. And then
• 1:53:13
  Speaker 6: all of the things changed from when Rosie was an infant.
• 1:53:16
  Speaker 21: You know what's crazy? There's no such thing now as like, oh,
• 1:53:22
  Speaker 21: you're going to pass that down to the other kids, right?
• 1:53:24
  Speaker 4: No.
• 1:53:25
  Speaker 21: When the car seat, after so many years, you know
• 1:53:27
  Speaker 21: what the fire department does? They cut the straps. So
• 1:53:30
  Speaker 21: I don't care what I have saved. It doesn't matter.
• 1:53:32
  Speaker 21: You got to buy all new stuff.
• 1:53:34
  Speaker 6: Jessica wants another kid. You better have that other kid.
• 1:53:37
  Speaker 6: I would say now rather than when you're 42.
• 1:53:41
  Speaker 1: Frank, you're a lucky guy, I'm going to tell you
• 1:53:43
  Speaker 1: right now. If your wife wants to have more kids,
• 1:53:45
  Speaker 1: how many do you have now, Frank?
• 1:53:47
  Speaker 6: They're twin boys. Lorenzo and Santino.
• 1:53:51
  Speaker 1: Okay, so here's the reality. If she wants another child,
• 1:53:56
  Speaker 1: you should have another child, and you will never regret it.
• 1:54:00
  Speaker 21: Ron, I agree with you, and I know that. Honest
• 1:54:02
  Speaker 21: to God, I promise you.
• 1:54:03
  Speaker 6: My youngest didn't keep me young.
• 1:54:04
  Speaker 21: I know that.
• 1:54:05
  Speaker 22: And I would.
• 1:54:06
  Speaker 21: If my wife really wants to, I would do it.
• 1:54:07
  Speaker 14: I think he would be a really cool girl dad.
• 1:54:10
  Speaker 7: I do.
• 1:54:10
  Speaker 14: And Jess, I mean, she has so much talent. She
• 1:54:13
  Speaker 14: would be so cute.
• 1:54:15
  Speaker 6: If he has a child, be another boy.
• 1:54:17
  Speaker 12: Why?
• 1:54:17
  Speaker 6: So I can tease Brian about it.
• 1:54:19
  Speaker 14: Oh, because Brian has all girls?
• 1:54:21
  Speaker 6: Yeah, because I want Brian to be tortured that you
• 1:54:24
  Speaker 6: have three boys. I would torture him.
• 1:54:27
  Speaker 14: My dad had four girls, and my mom always says
• 1:54:29
  Speaker 14: he has sissy sperm.
• 1:54:32
  Speaker 1: No, he's a lucky guy. Girls are wonderful to have.
• 1:54:34
  Speaker 1: I love my daughter.
• 1:54:36
  Speaker 6: Brian had seven daughters. I said after the third one.
• 1:54:40
  Speaker 6: Because my wife studied gym. Brian has seven daughters.
• 1:54:43
  Speaker 21: He has seven daughters.
• 1:54:44
  Speaker 6: Seven daughters. And his wife looks like his daughter, to
• 1:54:48
  Speaker 6: be honest with you.
• 1:54:49
  Speaker 21: Do you know Brian was going to, after he had
• 1:54:51
  Speaker 21: seven kids, they were talking about adopting.
• 1:54:54
  Speaker 7: A boy?
• 1:54:54
  Speaker 21: No, just adopting. Lori is a mom. She loves being
• 1:55:00
  Speaker 21: a mom.
• 1:55:00
  Speaker 14: So do I, but two is enough. It's what my
• 1:55:02
  Speaker 14: name means, and I'm sticking by it.
• 1:55:04
  Speaker 6: And I tease Brian all the time. I say, Brian,
• 1:55:06
  Speaker 6: you've got to be a man to make a man. Oh,
• 1:55:10
  Speaker 6: my God.
• 1:55:11
  Speaker 1: How about that singer, Ron? Frank has two boys.
• 1:55:15
  Speaker 21: Jimmy has a boy and a girl.
• 1:55:16
  Speaker 6: A boy and a girl, but he has a boy.
• 1:55:18
  Speaker 21: He does have a boy.
• 1:55:18
  Speaker 6: You have two boys. I have two boys. You know,
• 1:55:22
  Speaker 6: when Brian's around, and lately how he's been dressing, Frank.
• 1:55:27
  Speaker 14: That is the one thing you might have on Brian.
• 1:55:31
  Speaker 1: Oh, my God.
• 1:55:32
  Speaker 6: You've got to be a man to make a man, okay?
• 1:55:34
  Speaker 6: And Brian, obviously, what is it, the Y or X chromosome?
• 1:55:37
  Speaker 6: It must be missing.
• 1:55:38
  Speaker 21: Oh, my God.
• 1:55:39
  Speaker 23: I can't believe him.
• 1:55:40
  Speaker 14: He was wearing a girl coat the one day, and
• 1:55:43
  Speaker 14: he does have some girly tendencies.
• 1:55:45
  Speaker 22: Some.
• 1:55:47
  Speaker 2: Some.
• 1:55:47
  Speaker 14: I'm being polite, okay?
• 1:55:49
  Speaker 2: Some.
• 1:55:50
  Speaker 21: Well, you guys better buyer beware on this one.
• 1:55:53
  Speaker 4: Oh, my.
• 1:55:53
  Speaker 21: Brian listens to this podcast.
• 1:55:55
  Speaker 6: Oh, whatever.
• 1:55:55
  Speaker 1: Oh, jeez.
• 1:55:56
  Speaker 14: Well, I have one boy, one girl, so my husband
• 1:55:58
  Speaker 14: must be a man.
• 1:55:59
  Speaker 6: I have never seen a man. that won't let his
• 1:56:02
  Speaker 6: wife decorate the new condo he bought. He's doing all
• 1:56:06
  Speaker 6: the interior decorating. Hello? That coat he was wearing was
• 1:56:10
  Speaker 6: half of a dress. You saw the coat.
• 1:56:12
  Speaker 14: Do we have any calls, Ron? I would rather not
• 1:56:15
  Speaker 14: be fired.
• 1:56:16
  Speaker 2: From this conversation.
• 1:56:16
  Speaker 1: We got plenty of calls, but I don't know that
• 1:56:19
  Speaker 1: I want to hear any of them. I mean, I'm
• 1:56:23
  Speaker 1: just listening to this. Frank, I hope you have another child.
• 1:56:26
  Speaker 1: And it's got to be a boy.
• 1:56:29
  Speaker 21: Let me tell you a story of my kid about
• 1:56:32
  Speaker 21: my kids. So David's been like more than gracious when
• 1:56:36
  Speaker 21: my boys come to the office and they love David
• 1:56:38
  Speaker 21: and they come up.
• 1:56:39
  Speaker 14: They really like to use the phones.
• 1:56:41
  Speaker 21: Yeah, they like the phones. And David got him like
• 1:56:43
  Speaker 21: little name, like like name tags made for for like
• 1:56:47
  Speaker 21: if you had a desk and he got him business cards.
• 1:56:49
  Speaker 22: Right.
• 1:56:50
  Speaker 1: What the heck?
• 1:56:50
  Speaker 21: So they love it, right?
• 1:56:52
  Speaker 25: Yeah.
• 1:56:52
  Speaker 21: So they got a spot for David, right? And honestly,
• 1:56:56
  Speaker 21: when Brian's around, they like those two. But David's here more,
• 1:56:59
  Speaker 21: and they see David. So I bring my kids home
• 1:57:04
  Speaker 21: there in kindergarten, or I bring my kids to the
• 1:57:06
  Speaker 21: office after school. I pick them up one day there
• 1:57:08
  Speaker 21: in kindergarten, and they're learning the spell.
• 1:57:10
  Speaker 1: Oh, God.
• 1:57:11
  Speaker 19: And David..
• 1:57:14
  Speaker 21: They got their homework out that they're doing. I'm telling you,
• 1:57:17
  Speaker 21: write this down, write this down. And so I'm sitting
• 1:57:21
  Speaker 21: in my office and I hear, you know, my daddy
• 1:57:26
  Speaker 21: is going to take us after work to Dick's to
• 1:57:30
  Speaker 21: get our baseball stuff, right? And it's like this.
• 1:57:32
  Speaker 2: Time of year.
• 1:57:33
  Speaker 21: So I'm like, I'm sitting there and listening to him
• 1:57:38
  Speaker 21: and David says, oh, he is good. He should tell
• 1:57:40
  Speaker 21: him to buy you a bat, gloves, whatever you want,
• 1:57:42
  Speaker 21: you know, sunflower seeds baseball.
• 1:57:45
  Speaker 6: You know what's coming up.
• 1:57:46
  Speaker 21: So he goes yeah and he goes you guys actually
• 1:57:49
  Speaker 21: you should learn how you're learning to spell and they
• 1:57:51
  Speaker 21: said yeah you know we can make a capital this
• 1:57:53
  Speaker 21: cap do you guys know how to spell dicks and
• 1:57:57
  Speaker 21: on the back of their homework paper it says.
• 1:58:01
  Speaker 1: Like but he meant the sporting goods store yeah.
• 1:58:03
  Speaker 21: Dicks dicks dicks so i erase i gotta erase i can't.
• 1:58:10
  Speaker 21: You know, when you erase it.
• 1:58:11
  Speaker 6: It messes the whole thing up.
• 1:58:12
  Speaker 1: But it's still a sporting goods store, though. I mean,
• 1:58:15
  Speaker 1: come on.
• 1:58:15
  Speaker 21: I know it was a sporting goods store, and that's
• 1:58:17
  Speaker 21: what it was. But the back of their homework said dicks.
• 1:58:21
  Speaker 1: Did you buy him the bat and stuff? Yes or no?
• 1:58:24
  Speaker 3: I did.
• 1:58:24
  Speaker 21: I bought him all those things. Honestly, we really did.
• 1:58:27
  Speaker 16: Right.
• 1:58:27
  Speaker 6: Right, right, right.
• 1:58:28
  Speaker 21: But, you know, I had to erase it, and.
• 1:58:30
  Speaker 1: I couldn't get it all the way off.
• 1:58:31
  Speaker 21: I just got to say it's a sporting good story.
• 1:58:33
  Speaker 14: Did you hear what Brian did?
• 1:58:34
  Speaker 21: Well, no, and it was a sporting good story. Really,
• 1:58:36
  Speaker 21: that's what they were writing.
• 1:58:38
  Speaker 1: Right, but you didn't want any confusion.
• 1:58:41
  Speaker 21: But I got to go to their teacher and say, listen,
• 1:58:43
  Speaker 21: my law partner. He was shown because they were.
• 1:58:47
  Speaker 1: Going to buy baseball equipment. Let's take a call.
• 1:58:50
  Speaker 14: So, listen, this is what I'm saying. You have competition
• 1:58:53
  Speaker 14: because Peyton, my paralegal's daughter, was in the other day.
• 1:58:56
  Speaker 14: Do you know what Brian did?
• 1:58:58
  Speaker 1: What?
• 1:58:58
  Speaker 14: She was walking through. She's four. Brian hands her a
• 1:59:01
  Speaker 14: $ 100 bill, and she goes, I am the luckiest person
• 1:59:04
  Speaker 14: on this planet.
• 1:59:05
  Speaker 21: That's kind of chumpy.
• 1:59:07
  Speaker 14: My daughter doesn't have, or my son, they don't have nameplates,
• 1:59:11
  Speaker 14: they don't have business cards, and they don't have $ 100, so..
• 1:59:14
  Speaker 1: I don't know.
• 1:59:16
  Speaker 14: There you go.
• 1:59:17
  Speaker 6: You should bring your kids around more. You rarely bring
• 1:59:20
  Speaker 6: your kids around.
• 1:59:20
  Speaker 1: Tally, he couldn't give him $ 100. The dog ate his wallet.
• 1:59:23
  Speaker 14: The dog ate both their hundreds.
• 1:59:25
  Speaker 21: How about that? Like the old, the dog ate my
• 1:59:27
  Speaker 21: homework excuse. Ron, if you would see what I'm staring
• 1:59:31
  Speaker 21: at right now.
• 1:59:31
  Speaker 14: The pile of trash that we see.
• 1:59:32
  Speaker 21: I mean, there's a credit card that looks like it's
• 1:59:36
  Speaker 21: in fours.
• 1:59:37
  Speaker 14: Frank literally looked at Dave and said, Frank, are you hungry?
• 1:59:40
  Speaker 14: Or Dave, are you hungry?
• 1:59:41
  Speaker 26: Did you..
• 1:59:42
  Speaker 21: Now he's showing me a video.
• 1:59:44
  Speaker 14: It does look like..
• 1:59:45
  Speaker 21: You know, the best part, Ron, is... So then let
• 1:59:47
  Speaker 21: me give you another David. Yesterday, he's got to run
• 1:59:51
  Speaker 21: some errands and do some things. He goes to court.
• 1:59:54
  Speaker 21: You know, Bandit is at the office. And Bandit is
• 2:00:00
  Speaker 21: obsessed with Beatrice. So when David's not here, the dog
• 2:00:06
  Speaker 21: sits outside of his office and cries. So now... You understand,
• 2:00:11
  Speaker 21: Beatrice can't leave this dog. Like, this is a real
• 2:00:15
  Speaker 21: thing now. And the older this dog gets, the more
• 2:00:18
  Speaker 21: it's going to be attached to Beatrice. So I think
• 2:00:20
  Speaker 21: we're going to have to get him certified as a
• 2:00:22
  Speaker 21: therapy dog so Dave can bring him into places.
• 2:00:25
  Speaker 1: Take him to court and everything, right?
• 2:00:26
  Speaker 2: Right.
• 2:00:26
  Speaker 1: Absolutely. Let's take some calls. On the legal show, you're
• 2:00:29
  Speaker 1: on the air. Hello. Hey, guys.
• 2:00:32
  Speaker 12: Love listening to this show.
• 2:00:34
  Speaker 22: It's not for the comedy.
• 2:00:38
  Speaker 6: This is my real life.
• 2:00:39
  Speaker 22: There's a little bit of information that gets passed along,
• 2:00:41
  Speaker 22: but I just listen for the comedy mainly.
• 2:00:46
  Speaker 6: This is my life.
• 2:00:48
  Speaker 14: Your life is a comedy. What do you want?
• 2:00:50
  Speaker 1: Go ahead, caller. What's your question?
• 2:00:54
  Speaker 22: I've been thinking lately that whenever I go to meet
• 2:00:57
  Speaker 22: my maker, I want to be buried on my own property.
• 2:00:59
  Speaker 22: And how would I go about doing that?
• 2:01:02
  Speaker 2: Is it a big deal? No.
• 2:01:05
  Speaker 6: No.
• 2:01:05
  Speaker 2: Mm-mm.
• 2:01:06
  Speaker 6: I don't think you could do that.
• 2:01:07
  Speaker 21: Yeah, you almost have to have..
• 2:01:08
  Speaker 4: Why not?
• 2:01:09
  Speaker 14: I think you could be made into a tree. I
• 2:01:12
  Speaker 14: think you can, and then have the tree planted on
• 2:01:13
  Speaker 14: your property.
• 2:01:14
  Speaker 21: How do you make a body into a tree?
• 2:01:16
  Speaker 14: You do the ashes, and you mix it with the..
• 2:01:19
  Speaker 30: No.
• 2:01:20
  Speaker 2: I want to make my own..
• 2:01:21
  Speaker 22: I want to make a family cemetery on my property.
• 2:01:23
  Speaker 2: I'm in Marshall County, Pennsylvania, by the way. I think
• 2:01:26
  Speaker 2: you have to..
• 2:01:26
  Speaker 1: Does that make a difference?
• 2:01:28
  Speaker 21: Well, I think you'd have to do something like... I
• 2:01:30
  Speaker 21: don't know that you..
• 2:01:31
  Speaker 23: You have to get permission.
• 2:01:32
  Speaker 21: The only people that I know that have ever done
• 2:01:34
  Speaker 21: that are ultra... wealthy people that like that house is
• 2:01:40
  Speaker 21: like that.
• 2:01:42
  Speaker 14: Like the Kardashians.
• 2:01:43
  Speaker 6: Yeah. Trump buried his first wife. The one is golf courses.
• 2:01:47
  Speaker 9: Right.
• 2:01:47
  Speaker 14: But you know why he did that for tax purposes.
• 2:01:49
  Speaker 2: Yeah.
• 2:01:50
  Speaker 1: But I mean, so I'm sure there's a way, but
• 2:01:53
  Speaker 1: you gotta, you gotta know where the body's at and
• 2:01:56
  Speaker 1: you better check with zoning.
• 2:01:58
  Speaker 21: That seems a little more complicated than just saying, this
• 2:02:01
  Speaker 21: is my house because it's, I don't know.
• 2:02:03
  Speaker 6: In 100 years, it's not going to be your house.
• 2:02:05
  Speaker 2: Right.
• 2:02:05
  Speaker 21: That's the problem.
• 2:02:06
  Speaker 1: And let's say you're digging a pool.
• 2:02:07
  Speaker 6: Who's going to want to buy a house with a
• 2:02:09
  Speaker 6: cemetery on it?
• 2:02:10
  Speaker 9: Right.
• 2:02:11
  Speaker 1: Right. Or you bury yourself.
• 2:02:14
  Speaker 6: And you've got to worry about zoning laws and stuff
• 2:02:16
  Speaker 6: like that.
• 2:02:17
  Speaker 21: Yeah, there's going to be some issues there.
• 2:02:18
  Speaker 6: Yeah.
• 2:02:20
  Speaker 22: It's been family property for almost 200 years.
• 2:02:23
  Speaker 21: Well, that may be different.
• 2:02:24
  Speaker 22: I don't expect that my son's going to get rid
• 2:02:26
  Speaker 22: of it either.
• 2:02:27
  Speaker 6: Well, the problem is, are you in a residential area?
• 2:02:31
  Speaker 4: Yeah.
• 2:02:32
  Speaker 23: No, country.
• 2:02:34
  Speaker 22: 100 acres in the town.
• 2:02:37
  Speaker 21: That might be a different story.
• 2:02:38
  Speaker 6: That's a different story. I would hire a lawyer to
• 2:02:41
  Speaker 6: look into it.
• 2:02:41
  Speaker 21: Yeah, you got to check that out, but I bet
• 2:02:43
  Speaker 21: it's possible.
• 2:02:44
  Speaker 14: Yeah, I'm sorry.
• 2:02:45
  Speaker 21: Under those circumstances.
• 2:02:45
  Speaker 6: We were thinking it was like a residential neighborhood.
• 2:02:48
  Speaker 21: Yeah, I buried my dog in my yard.
• 2:02:51
  Speaker 6: You buried your dog?
• 2:02:52
  Speaker 1: That's illegal.
• 2:02:53
  Speaker 9: No.
• 2:02:53
  Speaker 6: It's totally illegal.
• 2:02:54
  Speaker 1: Thank you.
• 2:02:55
  Speaker 21: It's stupid law.
• 2:02:56
  Speaker 14: You should probably not admit that.
• 2:02:59
  Speaker 6: Right.
• 2:02:59
  Speaker 1: Listen, I think a lot of people bury their cat
• 2:03:03
  Speaker 1: or dog on their property. I mean, I don't think
• 2:03:05
  Speaker 1: that's anything wrong. Another call. You're on the air. Wait
• 2:03:09
  Speaker 1: a minute.
• 2:03:09
  Speaker 24: Hello, I'll be quick.
• 2:03:10
  Speaker 10: Yes.
• 2:03:11
  Speaker 24: What is the remedy when a landlord won't fix anything
• 2:03:16
  Speaker 24: over a period of like four months? For example, the
• 2:03:19
  Speaker 24: garage door is stuck halfway up and it's off the track.
• 2:03:25
  Speaker 24: The part of a city sidewalk is sunken in, oh,
• 2:03:30
  Speaker 24: maybe eight inches.
• 2:03:32
  Speaker 21: The city sidewalk's not his fault. That's the city.
• 2:03:36
  Speaker 6: No, there is a statute.
• 2:03:38
  Speaker 24: They had a water line put in where they dug
• 2:03:41
  Speaker 24: up the sidewalk. And when they put it back.
• 2:03:45
  Speaker 21: Put your money. Here's the short answer. Put your money
• 2:03:47
  Speaker 21: in escrow. Notify the landlord of the breach of the agreement.
• 2:03:52
  Speaker 4: And.
• 2:03:54
  Speaker 14: Put the money in escrow after you notify them that
• 2:03:57
  Speaker 14: there's a breach of an agreement, but give them a
• 2:03:59
  Speaker 14: period of time to remedy the situation, usually 30 days
• 2:04:02
  Speaker 14: or less, and then after that.
• 2:04:04
  Speaker 18: Date, put it in escrow.
• 2:04:05
  Speaker 24: Does that have to be written?
• 2:04:07
  Speaker 21: Because this issue has been carried on for four months now, and.
• 2:04:10
  Speaker 24: They've been told repeatedly every month for four months.
• 2:04:14
  Speaker 21: Yeah, I would put them on notice.
• 2:04:16
  Speaker 10: Yeah.
• 2:04:16
  Speaker 24: I thought the 30-day period had elapsed.
• 2:04:19
  Speaker 21: You can go put the– you can put– if there's
• 2:04:21
  Speaker 21: a breach– You can put the money.
• 2:04:23
  Speaker 6: First of all, you have to pay rent. The question is,
• 2:04:27
  Speaker 6: you could pay it into the court or you could
• 2:04:29
  Speaker 6: pay it to him. When you pay it into the court,
• 2:04:31
  Speaker 6: the court holds it until he remedies the breach.
• 2:04:35
  Speaker 14: But make sure that you do that because other than that,
• 2:04:39
  Speaker 14: you'll get in trouble for not paying and you can
• 2:04:40
  Speaker 14: be evicted.
• 2:04:42
  Speaker 21: And you have to set up an escrow account usually,
• 2:04:44
  Speaker 21: depending on what court it is, through the court.
• 2:04:47
  Speaker 1: So how does he get the ball started?
• 2:04:49
  Speaker 21: So I would go down to– I don't know what
• 2:04:51
  Speaker 21: county it is, but for example– Put them on notice first.
• 2:04:53
  Speaker 1: Trouble.
• 2:04:54
  Speaker 21: I'm calling for my neighbor.
• 2:04:55
  Speaker 24: She's an older lady, and she doesn't.
• 2:04:57
  Speaker 22: Know what to do.
• 2:05:00
  Speaker 23: So like Warren?
• 2:05:01
  Speaker 2: Niles.
• 2:05:01
  Speaker 4: Niles.
• 2:05:02
  Speaker 21: Okay, so go to the Niles Municipal Court. Put the landlord–
• 2:05:05
  Speaker 21: I assume you've already told them, but give them written notice.
• 2:05:08
  Speaker 21: And then put him on notice of it and then
• 2:05:10
  Speaker 21: set up an escrow account and put the money in escrow.
• 2:05:13
  Speaker 6: Through the court.
• 2:05:14
  Speaker 21: Yeah, through the court. And if he cures the breach,
• 2:05:16
  Speaker 21: then they release the money and there's no big deal.
• 2:05:18
  Speaker 21: And if he doesn't... And he's not.
• 2:05:19
  Speaker 6: Allowed to evict you. That's called retaliatory eviction.
• 2:05:22
  Speaker 21: Well, he's allowed, but you can then go back after him.
• 2:05:28
  Speaker 21: That's never stopped.
• 2:05:28
  Speaker 14: Make sure you have it in writing. That's our biggest..
• 2:05:31
  Speaker 21: What's that? Say that again, Bob?
• 2:05:33
  Speaker 24: There is no chance he can get kicked out. She's
• 2:05:35
  Speaker 24: lived there. You know, she's elderly and she's... probably lived
• 2:05:40
  Speaker 24: there more than like seven years now.
• 2:05:42
  Speaker 6: Well, it depends what.
• 2:05:42
  Speaker 21: The lease says, and could she get kicked out? Yeah,
• 2:05:45
  Speaker 21: I mean, if she's on a month-to-month, yes. If she's
• 2:05:47
  Speaker 21: on a year-to-year, yeah, depending on what the lease says. Now,
• 2:05:50
  Speaker 21: if she's in a five-year lease and she reports him
• 2:05:54
  Speaker 21: and then he kicks her out, that's what David said.
• 2:05:56
  Speaker 21: That's a retaliatory eviction. Then you've got a problem. Then
• 2:05:59
  Speaker 21: he's got a problem.
• 2:05:59
  Speaker 6: He's got a big problem. The law is not too
• 2:06:03
  Speaker 6: kind for landlords that engage in retaliatory evictions. I can
• 2:06:07
  Speaker 6: tell you that right now, even on a month-to-month.
• 2:06:09
  Speaker 21: I agree.
• 2:06:09
  Speaker 14: And if she is of limited means because you are
• 2:06:12
  Speaker 14: describing an elderly person, yada, yada, yada, if she is
• 2:06:15
  Speaker 14: of limited means, you can always contact community legal aid.
• 2:06:18
  Speaker 14: They do housing cases every day.
• 2:06:21
  Speaker 6: Plus, you could offer to pay for the repairs yourself
• 2:06:26
  Speaker 6: instead of rent. In other words, if she doesn't have
• 2:06:30
  Speaker 6: the money, say, well, instead of me paying this month's rent,
• 2:06:33
  Speaker 6: how about I fix the garage door? And then whatever
• 2:06:36
  Speaker 6: it is to fix everything, offset it from your rent.
• 2:06:40
  Speaker 6: I would try that.
• 2:06:42
  Speaker 14: But make sure you get that agreement in writing.
• 2:06:44
  Speaker 1: All right. Next call, you're on with the attorneys.
• 2:06:47
  Speaker 2: Good evening.
• 2:06:48
  Speaker 28: I had a car that was damaged in a parking lot.
• 2:06:53
  Speaker 28: The other driver admitted fault. Right now we have an
• 2:06:56
  Speaker 28: insurance adjuster coming out. They're going to take a look
• 2:06:58
  Speaker 28: at it. The car had a clean title, was in
• 2:07:01
  Speaker 28: great shape. It's an older car. My concern is that
• 2:07:05
  Speaker 28: the insurance company is going to stroke us a check
• 2:07:07
  Speaker 28: for $ 2, 000, call the thing totaled. But that isn't really
• 2:07:14
  Speaker 28: the price to replace this car. If that happens, can
• 2:07:18
  Speaker 28: I take it to small claims court?
• 2:07:21
  Speaker 4: No.
• 2:07:22
  Speaker 6: Let me say what goes on here. The fair market
• 2:07:25
  Speaker 6: value of a car is what a willing buyer is
• 2:07:29
  Speaker 6: going to pay a willing seller. There is no emotional
• 2:07:33
  Speaker 6: value in an automobile. I've run into this so much
• 2:07:37
  Speaker 6: in my practice. A guy has a 17-year-old car that
• 2:07:42
  Speaker 6: he works for. It's a dependable car. It runs like
• 2:07:46
  Speaker 6: a tank, you know, and it gets totaled, and he
• 2:07:50
  Speaker 6: can't be replaced. But the car is worth what the
• 2:07:53
  Speaker 6: car is worth.
• 2:07:55
  Speaker 21: Caller, the problem is, and David's right, we run into
• 2:07:57
  Speaker 21: this all the time, and it frustrates our client. and
• 2:08:00
  Speaker 21: I get it. But if you're a diligent car shopper,
• 2:08:04
  Speaker 21: you travel to Arizona to buy a car, you do
• 2:08:09
  Speaker 21: your homework, it's mint, all these things, but it has
• 2:08:12
  Speaker 21: this year and it has this many miles, whatever that
• 2:08:15
  Speaker 21: blue book price comes at, that's exactly what they're going
• 2:08:18
  Speaker 21: to do. And it's frustrating, and you're probably right. Like, no,
• 2:08:22
  Speaker 21: even though this car says this, that's what the run
• 2:08:24
  Speaker 21: at the mill of this car is. This car was perfect.
• 2:08:27
  Speaker 21: It really doesn't matter. Your hands are tied on that.
• 2:08:30
  Speaker 21: That property damage is worth what.
• 2:08:34
  Speaker 6: Now, where you might be able to get something, maybe
• 2:08:37
  Speaker 6: as if very recently you bought a new set of
• 2:08:40
  Speaker 6: tires or you replaced, you know, they might bump up
• 2:08:45
  Speaker 6: a little bit.
• 2:08:45
  Speaker 14: Maybe.
• 2:08:46
  Speaker 6: But it is what it is. How old was the car?
• 2:08:52
  Speaker 28: It was an 09, but it's one of 11, which
• 2:08:56
  Speaker 28: is why you're not going to find it on Kelly
• 2:08:58
  Speaker 28: Blue Book.
• 2:08:59
  Speaker 1: One of 11, how? How was it one of 11?
• 2:09:02
  Speaker 1: Quick answer.
• 2:09:03
  Speaker 28: One of 11 was produced and sent to the United States.
• 2:09:06
  Speaker 2: It's an old Saab.
• 2:09:08
  Speaker 28: Well, that's different.
• 2:09:09
  Speaker 6: That's different.
• 2:09:10
  Speaker 14: That gives us some different circumstances.
• 2:09:12
  Speaker 6: That's different circumstances. If you have a collector's car, it's
• 2:09:15
  Speaker 6: not worth.
• 2:09:16
  Speaker 14: It's not just emotional value.
• 2:09:18
  Speaker 21: Well, there's no emotional value in cars. From ABC News,
• 2:09:22
  Speaker 21: I'm Michelle Franzen.
• 2:09:31
  Speaker 18: After 76 days of the partial government shutdown, House Republicans
• 2:09:34
  Speaker 18: narrowly passed the Senate-backed DHS funding bill, and it's now
• 2:09:37
  Speaker 18: been signed by President Trump.
• 2:09:39
  Speaker 35: After weeks of inaction, the longest federal agency funding lapse
• 2:09:42
  Speaker 35: in history ended in mere seconds, without.
• 2:09:44
  Speaker 1: A roll call. All those in favor say aye.
• 2:09:47
  Speaker 35: By a voice vote, the House cleared a bill the
• 2:09:49
  Speaker 35: Senate passed more than a month ago, funding all aspects
• 2:09:52
  Speaker 35: of the Department of Homeland Security except for immigration enforcement.
• 2:09:55
  Speaker 1: That will be dealt with separately.
• 2:09:57
  Speaker 35: Using the reconciliation process the democrats can't block with the
• 2:10:00
  Speaker 35: senate filibuster it could see tens of billions more dollars
• 2:10:03
  Speaker 35: going to ice and the border patrol steven portnoy a
• 2:10:07
  Speaker 35: b c news washington.
• 2:10:08
  Speaker 18: The iran war entering its third month in peace talks
• 2:10:10
  Speaker 18: remain stalled secretary pete hegseth testifying for a second day
• 2:10:14
  Speaker 18: firing back at criticism over the war in an exchange
• 2:10:17
  Speaker 18: with democratic senator kirsten gillibrand today.
• 2:10:20
  Speaker 33: I disagree with your assessment that we are under threat
• 2:10:23
  Speaker 33: do you.
• 2:10:23
  Speaker 19: Have any time when they say death to america.
• 2:10:26
  Speaker 33: Listen our adversaries use rhetoric all the time what i'm
• 2:10:30
  Speaker 33: concerned about is we are not safer and i would
• 2:10:33
  Speaker 33: just like to know why you have not sought the
• 2:10:36
  Speaker 33: support of the american people and three out of five
• 2:10:39
  Speaker 33: americans are against this war today.
• 2:10:41
  Speaker 18: Crude prices and gas prices rising to levels not seen
• 2:10:44
  Speaker 18: in four years jessamine eclair is a driver in los
• 2:10:47
  Speaker 18: angeles and reassessing her budget.
• 2:10:52
  Speaker 14: Ensure that I can drive.
• 2:10:52
  Speaker 18: California refinery costs pushing prices at the pump even higher
• 2:10:56
  Speaker 18: than the national average of $ 4.
• 2:10:57
  Speaker 1: 31.
• 2:10:57
  Speaker 18: At a hearing today, a judge ordered suspect Cole Allen
• 2:11:01
  Speaker 18: and the attempted attack of President Trump at the White
• 2:11:03
  Speaker 18: House Correspondents Dinner to be held in detention. The Secret
• 2:11:07
  Speaker 18: Service director in a Fox interview today says all evidence
• 2:11:10
  Speaker 18: shows that he has seen that the suspect allegedly shot
• 2:11:13
  Speaker 18: a Secret Service officer at quote point blank range.
• 2:11:17
  Speaker 21: With a shotgun.
• 2:11:18
  Speaker 18: And he also says the officer was wearing a bulletproof
• 2:11:20
  Speaker 18: vest and fired back. You're listening to ABC News.
• 2:11:27
  Speaker 1: NewsRadio 570 WKBN, Ron Verp, 605. And onward we go.
• 2:11:33
  Speaker 1: 330-729-9977 if you've got questions later in the broadcast for
• 2:11:38
  Speaker 1: John Arnold. And we welcome, the show is called Money Talks,
• 2:11:43
  Speaker 1: and here is John Arnold. Hello, John.
• 2:11:46
  Speaker 2: Hello, Ron. We got a good copy here?
• 2:11:48
  Speaker 1: We got a good copy.
• 2:11:49
  Speaker 10: Over.
• 2:11:51
  Speaker 2: I'm right over. Hey, I'm traveling on the turnpike to
• 2:11:55
  Speaker 2: Pittsburgh Airport, and I want to make sure that I
• 2:11:57
  Speaker 2: had a good copy, so thank you for that.
• 2:11:59
  Speaker 1: No, that you do. And I think we got some
• 2:12:02
  Speaker 1: interesting things to talk about here tonight, right?
• 2:12:06
  Speaker 2: We do, we do. I just got done doing a
• 2:12:08
  Speaker 2: podcast with Mike Case. We started a podcast on Facebook
• 2:12:13
  Speaker 2: and YouTube video, whatever. So that topic that we're going
• 2:12:17
  Speaker 2: to talk about tonight, which is estate planning. which is boring,
• 2:12:20
  Speaker 2: but at the same time needed. And what we found
• 2:12:24
  Speaker 2: in our discovery is seven out of 10 people don't
• 2:12:28
  Speaker 2: have a will for their estate plan, which is insane
• 2:12:32
  Speaker 2: to me. So I think it'd be a good topic
• 2:12:35
  Speaker 2: to talk about tonight and hopefully you and I can
• 2:12:38
  Speaker 2: carry the airwaves with that and go from there.
• 2:12:40
  Speaker 1: Well, I think that's a good place to start. And
• 2:12:41
  Speaker 1: it's something that everybody should be concerned about. So So
• 2:12:47
  Speaker 1: let's hear about it, John. And so you're talking estate planning, basically.
• 2:12:51
  Speaker 2: Yeah. Okay. So I love talking about the old days.
• 2:12:54
  Speaker 2: So I started at the end of 99 at a
• 2:12:58
  Speaker 2: firm called Brennan Financial Group, which is a subsidy of MetLife. Okay.
• 2:13:02
  Speaker 2: So you can imagine they really want us to learn
• 2:13:05
  Speaker 2: everything about mutual funds, life insurance and annuities, especially life insurance.
• 2:13:10
  Speaker 2: Life insurance is by far the most profitable entity of
• 2:13:14
  Speaker 2: any insurance company, by far better than property and casualty
• 2:13:18
  Speaker 2: or health insurance, all right? And so because of that,
• 2:13:21
  Speaker 2: they were drilling us on estate planning. So they would
• 2:13:23
  Speaker 2: teach us the ins and outs of estate planning and
• 2:13:26
  Speaker 2: why it's so important. And their ultimate goal was to
• 2:13:29
  Speaker 2: get us to sell life insurance to people. And we'll
• 2:13:32
  Speaker 2: go on to that in another subject. But right now,
• 2:13:35
  Speaker 2: I can tell you, I learned a ton about estate
• 2:13:37
  Speaker 2: planning in a very young age in this business because...
• 2:13:41
  Speaker 2: That's what I was forced to do. I had to
• 2:13:43
  Speaker 2: get X amount of life insurance contracts in order for
• 2:13:46
  Speaker 2: me to keep my job at MetLife slash Brennan Financial Group.
• 2:13:50
  Speaker 2: So I learned a lot about it. So what I
• 2:13:53
  Speaker 2: learned is through talking with people, they could care less
• 2:13:58
  Speaker 2: if they had life insurance or doing an estate plan,
• 2:14:01
  Speaker 2: but yet they would spend two grand on a on
• 2:14:04
  Speaker 2: a new dishwasher or a refrigerator, or even more importantly,
• 2:14:07
  Speaker 2: a frivolous vacation. And meanwhile, they left their, for lack
• 2:14:12
  Speaker 2: of better words, their estate naked. So, you know, if
• 2:14:15
  Speaker 2: you don't have named beneficiaries and or a will or
• 2:14:18
  Speaker 2: somebody that designates where you want your assets to go
• 2:14:20
  Speaker 2: at death, it goes to probate. And probate means a
• 2:14:23
  Speaker 2: year and a half in court. It means hiring an attorney.
• 2:14:26
  Speaker 2: And it means paying probate fees. And then there's a
• 2:14:29
  Speaker 2: deeper heartfelt version here. that no one realizes because they're
• 2:14:34
  Speaker 2: not in the business side. And I met with many
• 2:14:36
  Speaker 2: widows and people who lost their wife out of nowhere.
• 2:14:39
  Speaker 2: They don't know where things are at. Their heart is
• 2:14:42
  Speaker 2: so destroyed and their brain is so destroyed because unexpectedly
• 2:14:47
  Speaker 2: their spouse died. They have kids to raise. They don't
• 2:14:49
  Speaker 2: know where the money's coming from. They don't know where
• 2:14:51
  Speaker 2: the life insurance policies are at. They don't know what
• 2:14:54
  Speaker 2: they're entitled to. None of that. And if they just
• 2:14:57
  Speaker 2: took an hour or a couple hours and met with
• 2:14:59
  Speaker 2: a good estate planning attorney and figured it out and
• 2:15:02
  Speaker 2: spent the money, then they would have a turnkey solution
• 2:15:05
  Speaker 2: and a blueprint at that worst day or that worst
• 2:15:08
  Speaker 2: time of their life to at least know what's coming
• 2:15:11
  Speaker 2: in and what's going out. And what we're finding is
• 2:15:14
  Speaker 2: people don't normally give a rat's patoot. And that's sad.
• 2:15:17
  Speaker 2: So this program is to kind of shock jock our
• 2:15:22
  Speaker 2: listenership and my former clients that are with Rockport now
• 2:15:27
  Speaker 2: and just say, hey, listen, it's probably time to take
• 2:15:28
  Speaker 2: this a little bit seriously. I don't care if you're 25, 75,
• 2:15:32
  Speaker 2: or 36. You need to be taken as seriously. Unless
• 2:15:36
  Speaker 2: you're a street bum, this matters.
• 2:15:39
  Speaker 1: Absolutely. Estate planning. Because done right, you'll be able to
• 2:15:43
  Speaker 1: keep some of your stuff. Done wrong, you won't be.
• 2:15:47
  Speaker 1: And also, if you don't prepare, you can lose say-so
• 2:15:50
  Speaker 1: over who gets what, right?
• 2:15:53
  Speaker 2: Exactly. And it's just named like it says. Let's pretend
• 2:15:56
  Speaker 2: that I'm XYZ family. And we have a million dollar estate.
• 2:16:01
  Speaker 2: We got a couple IRAs. We got some money in
• 2:16:03
  Speaker 2: the bank. We got some CDs. We got an annuity.
• 2:16:05
  Speaker 2: We got co-pension plans. We got a big house, et cetera.
• 2:16:09
  Speaker 2: And we have two kids. And one of the main
• 2:16:12
  Speaker 2: breadwinners dies. And they don't have an estate plan. They
• 2:16:16
  Speaker 2: don't have their accounts, TOD, joint, let's say mom and
• 2:16:20
  Speaker 2: dad don't share money. They don't have the proper items
• 2:16:24
  Speaker 2: in place or the vehicles or the titles, right? The
• 2:16:27
  Speaker 2: wife has to go to court, probate court, and wait
• 2:16:30
  Speaker 2: it out to get the assets to help support the family. Meanwhile,
• 2:16:34
  Speaker 2: she's trying to raise kids, and she's lost what should
• 2:16:37
  Speaker 2: be her best friend and her spouse. And that's a nightmare.
• 2:16:42
  Speaker 2: And what I'm finding is really people don't want to
• 2:16:45
  Speaker 2: talk about their demise. They don't want to. It's not
• 2:16:49
  Speaker 2: real in their mind. You know, they're never going to die,
• 2:16:51
  Speaker 2: and it's never going to be the end of the road.
• 2:16:53
  Speaker 2: Here's the thing. You don't want to be tired. If
• 2:16:56
  Speaker 2: you go down from the heavens and see your wife
• 2:16:59
  Speaker 2: and kids struggling because you didn't take a couple hours
• 2:17:01
  Speaker 2: and spend $ 1, 000 to get your estate in place, well,
• 2:17:05
  Speaker 2: shame on you. Because your job as a man or
• 2:17:08
  Speaker 2: a woman is to protect your family at all costs.
• 2:17:10
  Speaker 2: And like it or not, talking about your demise is
• 2:17:13
  Speaker 2: a real thing. Get your plan in place.
• 2:17:15
  Speaker 1: And you don't know at what age that could come
• 2:17:18
  Speaker 1: from any type of things, illness, auto accidents. any number
• 2:17:22
  Speaker 1: of things, and people like to put it off until
• 2:17:25
  Speaker 1: later on. And certainly you should do it while you're
• 2:17:27
  Speaker 1: still healthy and young enough in some cases to get
• 2:17:32
  Speaker 1: behind that look-back period of five years when your assets
• 2:17:36
  Speaker 1: can be taken. But there's a lot of things that
• 2:17:39
  Speaker 1: you can do here, John. Wills, trust. I mean, there's
• 2:17:42
  Speaker 1: a lot of options that are available there, including making
• 2:17:46
  Speaker 1: your wishes known for what type of medical care you
• 2:17:49
  Speaker 1: want or don't want.
• 2:17:52
  Speaker 2: Yeah, and you can elaborate more than that. Here's the
• 2:17:54
  Speaker 2: reason we've got to talk vaguely because I'm, of course,
• 2:17:57
  Speaker 2: I'm not a licensed attorney, but I can tell you
• 2:18:00
  Speaker 2: from experience, I shared an office with Attorney Dre, who
• 2:18:03
  Speaker 2: was a great estate planning attorney for years. And I
• 2:18:06
  Speaker 2: learned so much about him and about this and sitting
• 2:18:10
  Speaker 2: on appointments with him that I felt like I knew
• 2:18:12
  Speaker 2: enough to educate people. So I educate people just enough
• 2:18:16
  Speaker 2: to make sure that, one, I'm not an attorney, like
• 2:18:19
  Speaker 2: an attorney or acting as one, but to wake them
• 2:18:21
  Speaker 2: up and saying, hey man, get your you know what
• 2:18:23
  Speaker 2: together and let's get it done because it's real. And
• 2:18:28
  Speaker 2: you're right, you pointed out something just now that I love,
• 2:18:31
  Speaker 2: which is a good bridge. Estate planning doesn't mean you
• 2:18:34
  Speaker 2: need to die. It means that if you become incapacitated
• 2:18:38
  Speaker 2: from a car wreck, from a stroke, from something, and
• 2:18:40
  Speaker 2: you're dribbling and you can't lift your head off of
• 2:18:43
  Speaker 2: a bed and your bills need paid and your heat
• 2:18:46
  Speaker 2: gets shut off in your house or your gas and
• 2:18:49
  Speaker 2: now your pipes are frozen and they burst. Because you
• 2:18:51
  Speaker 2: don't have a power of attorney, a financial power of
• 2:18:55
  Speaker 2: attorney in place to handle that stuff, you just probably
• 2:18:59
  Speaker 2: destroyed your estate or cost yourself a lot of money.
• 2:19:02
  Speaker 2: All because you just didn't plan.
• 2:19:03
  Speaker 4: And..
• 2:19:05
  Speaker 2: And that's the kind of threats I'm talking about here.
• 2:19:07
  Speaker 2: And again, I don't have any loyalty to any one attorney.
• 2:19:10
  Speaker 2: I know you and I agree that Megan's probably as
• 2:19:12
  Speaker 2: good as they come.
• 2:19:13
  Speaker 3: Yes.
• 2:19:13
  Speaker 2: But there's other estate planning attorneys here. And hell, I'm
• 2:19:17
  Speaker 2: just going to tell you, find somebody that works for you.
• 2:19:20
  Speaker 2: And they're all reasonable. And even if they're not reasonable,
• 2:19:23
  Speaker 2: it's a hell of a lot better than letting somebody...
• 2:19:26
  Speaker 2: you know, own you until you go to probate court.
• 2:19:29
  Speaker 1: Well, a couple of things. We're talking with John Arnold,
• 2:19:32
  Speaker 1: Money Talks, News Radio 570. We come in Thursdays, 6
• 2:19:36
  Speaker 1: to 7, talking about doing some estate planning on tonight's broadcast.
• 2:19:40
  Speaker 1: Something that, he's right, most people put off, overlook, and
• 2:19:44
  Speaker 1: in many cases, don't do. The least, if we just
• 2:19:48
  Speaker 1: say this much, everybody should have a will. Period. Right?
• 2:19:53
  Speaker 3: And age..
• 2:19:54
  Speaker 1: No matter what your age is, you should at least
• 2:19:56
  Speaker 1: have a will that expresses what? Your desires if you pass.
• 2:20:01
  Speaker 2: Exactly. Because a will, and listen, I can't talk in detail,
• 2:20:05
  Speaker 2: but a will says this is where the money goes.
• 2:20:07
  Speaker 2: It doesn't say, like, I trust how much you want.
• 2:20:10
  Speaker 2: None of that.
• 2:20:11
  Speaker 1: Or anything. I want to leave my guitar to my
• 2:20:15
  Speaker 1: son or whatever. You can put any number of things
• 2:20:19
  Speaker 1: in there to say, And, of course, where it's going
• 2:20:23
  Speaker 1: to go, and it depends how big of a state
• 2:20:24
  Speaker 1: you have. I mean, there's many factors involved in what
• 2:20:29
  Speaker 1: you do. A will covers a lot of people just fine.
• 2:20:31
  Speaker 1: Of course, it's got to go through probates, but I
• 2:20:34
  Speaker 1: don't know that you necessarily have to fear probate all
• 2:20:36
  Speaker 1: the time either.
• 2:20:39
  Speaker 2: Well, I think if it could be avoided, because if
• 2:20:41
  Speaker 2: I remember right now, this is not a fact, this
• 2:20:43
  Speaker 2: is an opinion. I think that probate courts in Trumbull
• 2:20:46
  Speaker 2: and Mahoning and Columbia require you to use an attorney.
• 2:20:50
  Speaker 2: I don't know that for sure, but that's the rumor mill. Secondly,
• 2:20:53
  Speaker 2: so that's, you know, attorneys aren't free. Secondly, why would
• 2:20:57
  Speaker 2: you wait, honestly, to make your estate whole? Especially if
• 2:21:00
  Speaker 2: you have kids or if you're due, if your spouse
• 2:21:02
  Speaker 2: worked 40 years, and why would you want to wait
• 2:21:06
  Speaker 2: to get his or her money that wasn't jointly held? That,
• 2:21:10
  Speaker 2: to me, is kind of ridiculous. So I'm not saying
• 2:21:13
  Speaker 2: fear the probate courts. They're definitely not there to hurt you.
• 2:21:16
  Speaker 2: But I say, why use them if you can avoid them?
• 2:21:19
  Speaker 1: Right. But it depends, once again, on the size of
• 2:21:22
  Speaker 1: your estate as well. I mean, it depends how much
• 2:21:25
  Speaker 1: you have and that kind of stuff. At least the
• 2:21:27
  Speaker 1: bottom line is at least get a will. But then
• 2:21:30
  Speaker 1: there's other things you can talk outside of a will.
• 2:21:33
  Speaker 1: You're talking about a trust where you can avoid probates, correct?
• 2:21:39
  Speaker 2: Well, a will entitling your account and putting in a
• 2:21:42
  Speaker 2: revocable interest all will avoid probates. So there's so many
• 2:21:45
  Speaker 2: things like I used to do, and I'm sure the
• 2:21:48
  Speaker 2: guys about my firm do still. You know, I always
• 2:21:51
  Speaker 2: recommended TOD, so it means transfer on death, which you
• 2:21:55
  Speaker 2: don't need an attorney to do, and it's free. Banks
• 2:21:57
  Speaker 2: will do it for free. We do it for free, etc.
• 2:22:00
  Speaker 2: If you have an individual account and you're married or
• 2:22:03
  Speaker 2: you have a kid that you want to leave that
• 2:22:05
  Speaker 2: money to, but you don't want them in control of
• 2:22:07
  Speaker 2: your money, but you want them to receive that money
• 2:22:10
  Speaker 2: without probate, without hiring an attorney, we just make it
• 2:22:13
  Speaker 2: a transfer on death account. And, or if you're a,
• 2:22:17
  Speaker 2: if you have a spouse, we just make it a
• 2:22:18
  Speaker 2: joint right to survivorship. And therein lies some free financial
• 2:22:22
  Speaker 2: planning slash estate planning that can be done without a
• 2:22:25
  Speaker 2: licensed attorney. And we, and I've recommended everybody do that.
• 2:22:28
  Speaker 2: You can do that on deeds. You can do that
• 2:22:31
  Speaker 2: on cars. You can do that on a lot of things,
• 2:22:33
  Speaker 2: savings account, et cetera. And why not do it? Seriously,
• 2:22:37
  Speaker 2: why not do it? Now, a trust is a whole
• 2:22:39
  Speaker 2: different animal. Has to be done by an attorney. usually
• 2:22:42
  Speaker 2: done for larger states, but it really designates... It talks
• 2:22:46
  Speaker 2: from the grave. To point it blankly, like just to
• 2:22:48
  Speaker 2: vaguely give a blanket cover to that statement, it just
• 2:22:52
  Speaker 2: literally talks from the grave. It says, I want to do...
• 2:22:55
  Speaker 2: I want this money to go here per month. I
• 2:22:59
  Speaker 2: want somebody to do 10 jumping jacks and wear a
• 2:23:01
  Speaker 2: green sweater on Christmas where they don't get this money.
• 2:23:04
  Speaker 2: A trust will literally talk from the grave, and the trustee,
• 2:23:07
  Speaker 2: the fiduciary, has to abide by the trust.
• 2:23:10
  Speaker 12: And sometimes..
• 2:23:12
  Speaker 2: There's an attorney hired or an interested person to enforce
• 2:23:16
  Speaker 2: that trust. So that's a big responsibility being a trustee.
• 2:23:20
  Speaker 2: But if you have a large enough estate and you
• 2:23:21
  Speaker 2: want your wishes to be carried out in detail, a
• 2:23:24
  Speaker 2: revocable living trust is probably where you need to talk
• 2:23:26
  Speaker 2: to someone like Megan or Gabe Beatrice about it or whoever.
• 2:23:29
  Speaker 15: Right.
• 2:23:30
  Speaker 1: A lot of people say... There's any number of things.
• 2:23:33
  Speaker 1: I mean, when you talk about trust, revocable trust, in
• 2:23:36
  Speaker 1: many cases, people want to do that because it can
• 2:23:38
  Speaker 1: avoid probates. As you say, it speaks from the grave.
• 2:23:42
  Speaker 1: But in addition to that, it also can protect your
• 2:23:45
  Speaker 1: assets from the look-back period and from nursing homes.
• 2:23:49
  Speaker 2: Now, listen. You've got to listen very carefully again. Let
• 2:23:53
  Speaker 2: me stress in red alert, bright red face, I am
• 2:23:56
  Speaker 2: not a licensed attorney. Do not make a legal decision
• 2:23:59
  Speaker 2: without consulting an attorney. But let me just tell you
• 2:24:02
  Speaker 2: how it is. You don't want to, you're talking about
• 2:24:05
  Speaker 2: what's called an irrevocable living trust. An irrevocable living trust
• 2:24:10
  Speaker 2: is an extremely dangerous document. And that's what they use
• 2:24:15
  Speaker 2: to usually avoid a Medicaid spend down. You got to
• 2:24:19
  Speaker 2: have that document in place prior to the five-year look back.
• 2:24:23
  Speaker 2: And you have to be prepared to have that trustee
• 2:24:24
  Speaker 2: that you trust. And or a really good attorney that's
• 2:24:29
  Speaker 2: willing to stand up for you or to look out
• 2:24:31
  Speaker 2: for you. But it's called irrevocable for a reason. Because
• 2:24:35
  Speaker 2: it's not only irrevocable to the state, it's irrevocable to
• 2:24:38
  Speaker 2: you too. So you are literally... Putting a wedge between
• 2:24:43
  Speaker 2: you and the state and you and your money, I
• 2:24:45
  Speaker 2: don't think so. And that's why you really want to
• 2:24:49
  Speaker 2: deeply think through before signing a dotted line on an
• 2:24:53
  Speaker 2: irrevocable living trust and seeing if you could do some
• 2:24:57
  Speaker 2: other vehicles or magical ways that Megan knows how to
• 2:24:59
  Speaker 2: do to get around that. If there's no other scenario
• 2:25:02
  Speaker 2: and there's no other way to do it, then do that.
• 2:25:04
  Speaker 2: But very, very dangerous document.
• 2:25:08
  Speaker 1: Right. We're talking with John Arnold's Money Talks, the show
• 2:25:10
  Speaker 1: Thursday night, 6 to 7, NewsRadio 570. And as you're
• 2:25:14
  Speaker 1: talking about this, John, you're talking from experience when people
• 2:25:17
  Speaker 1: would come in and with their investments and wherever they
• 2:25:21
  Speaker 1: would be financially. Obviously, that was a large part of
• 2:25:25
  Speaker 1: what you did for folks to say, let's talk about
• 2:25:29
  Speaker 1: estate planning. Let's talk about do you have a will?
• 2:25:31
  Speaker 1: Do you have a trust? Do you have documents that
• 2:25:34
  Speaker 1: say these are your wishes if you're in a hospital
• 2:25:36
  Speaker 1: and who can make decisions for you? Or do you
• 2:25:40
  Speaker 1: want all of the life support measures done or not?
• 2:25:44
  Speaker 1: I mean, all of this stuff is stuff that you're
• 2:25:47
  Speaker 1: talking about here tonight, but also stuff that you've watched
• 2:25:51
  Speaker 1: over the years with so many clients, correct?
• 2:25:55
  Speaker 2: As real talk, absolutely. Can I tell you something? Being
• 2:25:58
  Speaker 2: in that office with Attorney Dre for all those years,
• 2:26:01
  Speaker 2: I can't tell you how many times I heard yelling
• 2:26:03
  Speaker 2: and screaming from the Brady Bunch prior to Mom and
• 2:26:07
  Speaker 2: Dad dying. Love each other, lovey-dovey, can do no wrong.
• 2:26:11
  Speaker 2: You know, Ozzie and Harriet of the world. All of
• 2:26:14
  Speaker 2: a sudden, Mom and Dad dies. They hate each other.
• 2:26:16
  Speaker 2: They don't talk ever again. And before you know it,
• 2:26:21
  Speaker 2: you know, the family estate blows up, and they're in court.
• 2:26:24
  Speaker 2: They're contesting the will. They're mad that Mom named so-and-so
• 2:26:28
  Speaker 2: the trustee. I have hundreds. hundreds of those scenarios over
• 2:26:33
  Speaker 2: the past 24 years. And it all can have been
• 2:26:36
  Speaker 2: avoided if they just put in a rating and mom
• 2:26:39
  Speaker 2: or dad grew a pair of balls and said, this
• 2:26:41
  Speaker 2: is how it's going to be. And if you don't
• 2:26:43
  Speaker 2: like it, if you know what, and this is what
• 2:26:46
  Speaker 2: our wishes are, then you got to carry them out.
• 2:26:48
  Speaker 2: But what happens is mom and dad don't like to
• 2:26:50
  Speaker 2: talk about their demise and or some scenarios, mom or
• 2:26:54
  Speaker 2: dad gets dementia, the other one dies and And now,
• 2:26:57
  Speaker 2: you know, they're in a creek up a paddle. They're
• 2:27:00
  Speaker 2: up a paddle with no creek. So up a creek
• 2:27:03
  Speaker 2: with no paddle. Sorry about that. So, you know, it's really,
• 2:27:06
  Speaker 2: it comes down to what we talked about, which is,
• 2:27:08
  Speaker 2: you know, it's the cheesiest financial planning line in the world,
• 2:27:11
  Speaker 2: which I hate. I used to use it when I
• 2:27:13
  Speaker 2: was in that field in 99, the 2000 area. You know,
• 2:27:16
  Speaker 2: failing to plan is planning to fail, which is unbelievably
• 2:27:19
  Speaker 2: cheesy and stupid, but it is also true. And all
• 2:27:22
  Speaker 2: it takes is you saying, hey, this Friday we're going
• 2:27:25
  Speaker 2: to see the attorney. Here's our wishes. We're going to
• 2:27:28
  Speaker 2: put packages up together. You're going to contact that one
• 2:27:31
  Speaker 2: kid that you trust and say, here's where we're putting
• 2:27:34
  Speaker 2: our passwords. Here's the trust. Here's the will. Here's who
• 2:27:36
  Speaker 2: you call if you can't find it. When we die...
• 2:27:40
  Speaker 2: here's our wishes. Maybe you like them. Maybe you don't.
• 2:27:43
  Speaker 2: But these are our wishes, and this is my life. Thanks,
• 2:27:46
  Speaker 2: Mom and Dad.
• 2:27:48
  Speaker 1: And that's what it takes.
• 2:27:49
  Speaker 4: Right.
• 2:27:49
  Speaker 1: And when it comes to an attorney, obviously you need
• 2:27:52
  Speaker 1: a good estate attorney as you're talking. I mean, you
• 2:27:54
  Speaker 1: don't want to go to a divorce attorney. You want
• 2:27:57
  Speaker 1: an estate attorney to put all of that together, as
• 2:28:00
  Speaker 1: you're saying. But you mentioned a key thing. I mean,
• 2:28:03
  Speaker 1: sometimes they don't know everything you have. You better put
• 2:28:08
  Speaker 1: down that you have, maybe. life insurance at your work,
• 2:28:13
  Speaker 1: or you have a life insurance policy, you better have
• 2:28:16
  Speaker 1: stuff organized all in one place. You mentioned a key
• 2:28:19
  Speaker 1: thing and passwords. So often they say, well, instead of
• 2:28:23
  Speaker 1: getting documents in the mail, which made it easier to
• 2:28:26
  Speaker 1: track stuff down, it's all over the internet. Well, if
• 2:28:29
  Speaker 1: you don't know the passwords, sometimes you don't know that
• 2:28:32
  Speaker 1: there was this particular account or Vanguard account or whatever
• 2:28:36
  Speaker 1: the case might be, because you're unaware of its existence.
• 2:28:40
  Speaker 2: Hey, during my research and discussion to do this podcast
• 2:28:44
  Speaker 2: with Mike, I did a lot of research. You know
• 2:28:46
  Speaker 2: what they call those? They call those digital assets. And
• 2:28:50
  Speaker 2: when I was reading that, I was like, what the
• 2:28:51
  Speaker 2: hell is a digital asset? Your digital assets are your passwords.
• 2:28:55
  Speaker 2: Those are your keys now. And if mom and pop
• 2:29:00
  Speaker 2: have what's called a two-factor identification system, which everybody's going to,
• 2:29:04
  Speaker 2: to where not only do you have to have a password,
• 2:29:06
  Speaker 2: you have to have a cell phone on file to
• 2:29:08
  Speaker 2: get another code to unlock the secret vault, so to speak.
• 2:29:13
  Speaker 2: If they don't have those attached, good luck breaking in
• 2:29:16
  Speaker 2: to get mom and dad's assets. Good luck on that.
• 2:29:19
  Speaker 2: And that's where the proper planning comes in. So, you know,
• 2:29:22
  Speaker 2: the guys that sold my firm, they have a great
• 2:29:24
  Speaker 2: financial planning software called eMoney. And they do what's called
• 2:29:28
  Speaker 2: this electronic vault. And they can store all those documents
• 2:29:31
  Speaker 2: electronic for you as part of whatever they do for you.
• 2:29:34
  Speaker 2: And that's a great system to have. Now, if you
• 2:29:36
  Speaker 2: don't want to go to an entity or a financial
• 2:29:38
  Speaker 2: planner or whatever, and you don't want to do that
• 2:29:40
  Speaker 2: or pay for that, then you just set it up
• 2:29:42
  Speaker 2: on your own. And you trust that kid or you
• 2:29:44
  Speaker 2: hire an attorney and say, OK, here are the magical
• 2:29:47
  Speaker 2: keys to all my assets. Should I die? But you
• 2:29:49
  Speaker 2: want to have it in place. And that's the new
• 2:29:53
  Speaker 2: estate planning life or the kind of new world we
• 2:29:56
  Speaker 2: live in. Like it or not, that's the world we
• 2:29:58
  Speaker 2: live in. And I'm talking real money. I'm talking real
• 2:30:02
  Speaker 2: things in the world that I've lived in.
• 2:30:04
  Speaker 23: Right.
• 2:30:04
  Speaker 1: But, I mean, I guess as you're listening, I'm thinking
• 2:30:08
  Speaker 1: to myself, and you're right, everything's got that you put
• 2:30:11
  Speaker 1: in a password and then they send, well, we're going
• 2:30:13
  Speaker 1: to send you a code to your phone. I guess
• 2:30:16
  Speaker 1: that would be one of the reasons why the kids
• 2:30:17
  Speaker 1: wouldn't want to shut off the cell phone of the
• 2:30:20
  Speaker 1: parents because it will be sent to that phone. Maybe
• 2:30:25
  Speaker 1: you better know how the– I mean, there's things to discuss.
• 2:30:30
  Speaker 1: You're bringing up so many good points. Anyone who's been
• 2:30:32
  Speaker 1: through this, and I know many of you listening probably
• 2:30:34
  Speaker 1: have been through it, where somebody dies unexpectedly, and you
• 2:30:38
  Speaker 1: don't know what they have or where it's at, and
• 2:30:41
  Speaker 1: it can be difficult. to go through all of this
• 2:30:45
  Speaker 1: to make sure you get all the assets. Did they
• 2:30:47
  Speaker 1: have life insurance? Were they covered by policies at work?
• 2:30:52
  Speaker 1: Do they have accounts where I'm not getting paper statements? Okay,
• 2:30:58
  Speaker 1: how do I get into their email, if you will?
• 2:31:02
  Speaker 1: And if I get the code for these accounts, do
• 2:31:06
  Speaker 1: I know how to get into their phone? These are
• 2:31:08
  Speaker 1: things that I think parents and adult children need to
• 2:31:11
  Speaker 1: discuss with each other. And when I say adults, I
• 2:31:14
  Speaker 1: mean at any age this can happen is what you're saying, John.
• 2:31:18
  Speaker 1: I don't care if you're 40 years old or if
• 2:31:20
  Speaker 1: you're 80 years old. These are things you better discuss
• 2:31:23
  Speaker 1: so that you can certainly find the assets.
• 2:31:28
  Speaker 2: Well, yeah, I couldn't agree with your kind of underlying view.
• 2:31:32
  Speaker 2: you know, what I'm talking about. And I know that
• 2:31:34
  Speaker 2: your age, you probably heard about, if not, you didn't
• 2:31:37
  Speaker 2: experience yourself. You heard about these catastrophes that have existed
• 2:31:40
  Speaker 2: because of the failing just to put something together like that.
• 2:31:44
  Speaker 2: And you think about all the hours you spend watching
• 2:31:46
  Speaker 2: TV or going vacation or researching the right dishwasher to buy.
• 2:31:50
  Speaker 2: Why don't you just spend like one fifth of that
• 2:31:52
  Speaker 2: time to take care of your estate? That's what I'm saying.
• 2:31:54
  Speaker 2: And keep in mind, I don't do this for a living.
• 2:31:57
  Speaker 2: I could care less. I'm just here educating the audience.
• 2:32:00
  Speaker 2: I don't get money by talking about this. You're not
• 2:32:02
  Speaker 2: going to get the sales pitch at the end of
• 2:32:04
  Speaker 2: this radio show of call us for this or that.
• 2:32:07
  Speaker 2: I just don't care. What I care about is if
• 2:32:10
  Speaker 2: I can reach one or two people listening to this
• 2:32:12
  Speaker 2: show to say.
• 2:32:13
  Speaker 23: You know what?
• 2:32:14
  Speaker 2: That damn John Arnold was right. I have been lazy
• 2:32:17
  Speaker 2: on this. Let me take care of this so I
• 2:32:19
  Speaker 2: protect my family.
• 2:32:20
  Speaker 1: I have won.
• 2:32:21
  Speaker 2: I have accomplished my goal tonight.
• 2:32:22
  Speaker 11: And that's what I'm after.
• 2:32:23
  Speaker 1: And I think, folks, I'll tell you something. I think
• 2:32:26
  Speaker 1: it is a noble goal. Any of you that are listening,
• 2:32:29
  Speaker 1: in all sincerity, any of you that are listening, if
• 2:32:32
  Speaker 1: you don't at the very least have a will, And
• 2:32:36
  Speaker 1: they're inexpensive. You see a lawyer and get one done,
• 2:32:39
  Speaker 1: at least it will. And in many cases, if you
• 2:32:42
  Speaker 1: have the assets, you should have a trust and go
• 2:32:47
  Speaker 1: see a lawyer and pay the fees, which are more
• 2:32:51
  Speaker 1: for a trust, and get that organized. Because if you
• 2:32:54
  Speaker 1: die without that, then it's up to the probate courts
• 2:32:58
  Speaker 1: to decide what goes where and lawyers and fees and
• 2:33:02
  Speaker 1: It really becomes a mess. It's just like, once again,
• 2:33:06
  Speaker 1: if you're in a hospital bed, John, and you're not
• 2:33:09
  Speaker 1: able to make decisions and you don't have a document
• 2:33:11
  Speaker 1: to say who you entrust making those decisions or what
• 2:33:15
  Speaker 1: your wishes are as you get older. Do you want
• 2:33:17
  Speaker 1: to be put on life support and all this kind
• 2:33:19
  Speaker 1: of stuff? Or do you want to just die a
• 2:33:21
  Speaker 1: natural death? You better spell all of that out. That's
• 2:33:25
  Speaker 1: all you're saying to the listener tonight, right? You're saying, listen,
• 2:33:28
  Speaker 1: I'm a money guy and the program's money talk. But
• 2:33:31
  Speaker 1: one of the things I want to mention is don't
• 2:33:33
  Speaker 1: put yourself in this situation because you've seen the clients
• 2:33:36
  Speaker 1: in the past who failed to do this. That's all.
• 2:33:39
  Speaker 2: I've seen it. I've seen it. I loved it. It's heartbreaking.
• 2:33:43
  Speaker 2: I've seen the best of families could get destroyed, hate
• 2:33:47
  Speaker 2: each other. And I'm talking, I'm talking about families that,
• 2:33:50
  Speaker 2: like I said, I'm talking about Brady Bunch families. You know,
• 2:33:52
  Speaker 2: we're coming up on the half hour, but one of
• 2:33:54
  Speaker 2: the things I want to talk about is after the
• 2:33:56
  Speaker 2: half an hour is I've had some old war stories
• 2:33:58
  Speaker 2: from life insurance that are going to really help people.
• 2:34:02
  Speaker 2: They're straight talk. Talk about the timing of your vehicles. Like,
• 2:34:07
  Speaker 2: you know, a lot of people have wills, but they're
• 2:34:08
  Speaker 2: from 20 years ago. Or they didn't change their beneficiaries
• 2:34:11
  Speaker 2: on their life insurance policy two wives ago. All those things.
• 2:34:15
  Speaker 1: And I really want to dig into that.
• 2:34:16
  Speaker 2: Because, again, real talk.
• 2:34:18
  Speaker 1: Absolutely. We're talking with John Arnold, and we're going to pause,
• 2:34:21
  Speaker 1: and we'll come back and talk more with John tonight.
• 2:34:24
  Speaker 1: NewsRadio 570 WKBN. There's some sound advice that you're getting
• 2:34:28
  Speaker 1: from a guy that's, as I say, seen it firsthand
• 2:34:32
  Speaker 1: over the years and would say in his office, hey,
• 2:34:34
  Speaker 1: you've got to go right next door here and talk
• 2:34:36
  Speaker 1: to this guy and get things lined up because I
• 2:34:39
  Speaker 1: don't want you to go through or your family to
• 2:34:41
  Speaker 1: go through that. Back with segment two, the program's Money
• 2:34:44
  Speaker 1: Talks with John Arnold on NewsRadio 570 WKBN. John's got
• 2:34:49
  Speaker 1: something terrific that he's put together as well. Maybe we'll
• 2:34:52
  Speaker 1: get into that in the second half of the program.
• 2:34:55
  Speaker 1: We're here tonight till 7. We're on Verb News Radio
• 2:34:57
  Speaker 1: 570 WKBN. Stay close. From News Radio 570 WKBN, John
• 2:35:02
  Speaker 1: with some sound advice on estate planning. There were a
• 2:35:05
  Speaker 1: couple of areas you wanted to cover, John, prior to
• 2:35:08
  Speaker 1: our break at the half an hour.
• 2:35:10
  Speaker 2: Yeah, I love the old war story. So let me
• 2:35:12
  Speaker 2: tell you about my days selling life insurance. So I
• 2:35:15
  Speaker 2: started the investment industry, like I said, little bit, and
• 2:35:18
  Speaker 2: I love the old war stories because I can talk
• 2:35:20
  Speaker 2: about them pretty freely now that I'm not really doing
• 2:35:22
  Speaker 2: this anymore. When I was, say, between 1999, which is,
• 2:35:24
  Speaker 2: I started the beginning, excuse me, end of that, until
• 2:35:34
  Speaker 2: about 2020 or 2002. I was more of a life
• 2:35:38
  Speaker 2: insurance guy, annuity guy. And that's because that's what I
• 2:35:42
  Speaker 2: was told to sell. So I would... If you're a
• 2:35:44
  Speaker 2: life insurance, you know, you call 1,000 people, you get
• 2:35:47
  Speaker 2: seven appointments for the week, you make your manager happy,
• 2:35:50
  Speaker 2: five sticks, you sit at the kitchen table, you pretend
• 2:35:53
  Speaker 2: to be their friend, how you doing, blah, blah, blah. Hey,
• 2:35:55
  Speaker 2: let me review... your mortgage and your, your liabilities or
• 2:35:58
  Speaker 2: your assets, don't see much life insurance you need. Okay.
• 2:36:01
  Speaker 2: I keep in mind, this was really before you could
• 2:36:04
  Speaker 2: just go on anything and just get a life insurance
• 2:36:07
  Speaker 2: quote and get it done that way. Usually I have
• 2:36:09
  Speaker 2: to go through an agent strictly commissioned. So I was
• 2:36:12
  Speaker 2: salivating just to get a client. So I would sit
• 2:36:15
  Speaker 2: down with mom and pop. And I remember I, I
• 2:36:18
  Speaker 2: met with this truck driver who just can't, he was
• 2:36:21
  Speaker 2: sitting at the kitchen table with his wife who had
• 2:36:23
  Speaker 2: made the appointment. They had two little ones. Big, burly guy.
• 2:36:27
  Speaker 2: I mean, beard. Let me just say, I would not
• 2:36:30
  Speaker 2: want to fight this guy. And sits down. He's like,
• 2:36:33
  Speaker 2: all right, let's get down to the point. He's drinking
• 2:36:35
  Speaker 2: a beer. He's right out of a movie. And I'm like, hey, mister, so-and-so,
• 2:36:39
  Speaker 2: you know, here's the deal. And you got two young
• 2:36:42
  Speaker 2: little ones here, beautiful, beautiful young wife. You drive a truck.
• 2:36:46
  Speaker 2: You know, you're a long-haul guy. You make good money.
• 2:36:50
  Speaker 2: You know, this policy is going to cost you like
• 2:36:52
  Speaker 2: $ 30 a month. It's $ 500, 000 a term. you know, it's
• 2:36:55
  Speaker 2: a good, good way to get, you know, I think
• 2:36:57
  Speaker 2: you can get you qualified even though you smoke. I
• 2:36:59
  Speaker 2: go through the whole sales pitch that I'm taught.
• 2:37:02
  Speaker 23: He's like, you know what?
• 2:37:03
  Speaker 2: And I apologize for this. God damn it. I'm not
• 2:37:05
  Speaker 2: going to buy a life insurance policy and have me
• 2:37:08
  Speaker 2: die and have her go spend that damn money on, uh,
• 2:37:13
  Speaker 2: get a young boyfriend. And then, uh, and then here
• 2:37:15
  Speaker 2: I am in my death bed. I was like, yeah,
• 2:37:17
  Speaker 2: what do you say to that? And then the, the, the,
• 2:37:20
  Speaker 2: The woman cringes because, one, she's embarrassed she made the appointment. Two,
• 2:37:24
  Speaker 2: she can't believe how ignorant he is. But three, how
• 2:37:28
  Speaker 2: little he cares about the big picture. But what he
• 2:37:31
  Speaker 2: was really saying as he was being the most selfish
• 2:37:33
  Speaker 2: he can be is, I don't really care after I
• 2:37:35
  Speaker 2: die because after I die I'm dead and you just
• 2:37:39
  Speaker 2: have to find a way to move on, which is ridiculous.
• 2:37:42
  Speaker 2: But you're probably thinking right now, well, that was one
• 2:37:44
  Speaker 2: in a million. Now, it might not have been that
• 2:37:47
  Speaker 2: harsh or that brutal. But when I tell you that's
• 2:37:50
  Speaker 2: two to three times a month I would get that
• 2:37:53
  Speaker 2: kind of denial based on they didn't want to spend
• 2:37:56
  Speaker 2: what they would spend on, at that time, a decent
• 2:37:58
  Speaker 2: lunch with their family to protect their family because they
• 2:38:02
  Speaker 2: didn't care about what happened afterwards. And that's probably one
• 2:38:06
  Speaker 2: of the greatest standpoints you can have. It blew my mind.
• 2:38:10
  Speaker 2: And then, you know, as a young insurance guy, you're
• 2:38:14
  Speaker 2: devastated because you're counting on that commission. And it was
• 2:38:17
  Speaker 2: just terrible for all parties, but I got to see
• 2:38:19
  Speaker 2: the really terrible side of people. So if you're out
• 2:38:22
  Speaker 2: there and you have a young family, or if you
• 2:38:24
  Speaker 2: don't even have, if you have a family and you
• 2:38:26
  Speaker 2: want to leave them some money and you can qualify,
• 2:38:29
  Speaker 2: I'm going to tell you right now. And again, I'm not,
• 2:38:31
  Speaker 2: I don't do this to sell anybody. Life insurance is
• 2:38:33
  Speaker 2: one of the greatest assets for passing a wealth, if
• 2:38:37
  Speaker 2: not the best you can get into.
• 2:38:39
  Speaker 1: And you can pass that.
• 2:38:40
  Speaker 2: On through what's called an islet, irrevocable life insurance trust,
• 2:38:45
  Speaker 2: package it up to where Medicaid spend-downs are involved. Life
• 2:38:50
  Speaker 2: insurance is tax-free. Often, more times than none, especially in Florida,
• 2:38:55
  Speaker 2: you can't get to it in a lawsuit. So if
• 2:38:57
  Speaker 2: you get sued, there's two things that they can't get to.
• 2:39:00
  Speaker 2: Your home and your life insurance policy in Florida. And
• 2:39:02
  Speaker 2: that's why you'll see a lot of doctors or movie
• 2:39:05
  Speaker 2: stars or whatever, other than the beautiful scenery. You also
• 2:39:08
  Speaker 2: see them put their assets in Florida for that very reason.
• 2:39:11
  Speaker 2: So what I'm saying here is, if you're a listener
• 2:39:14
  Speaker 2: out there and you don't have life insurance, or if
• 2:39:17
  Speaker 2: you don't have adequate life insurance, you're a bozo. If
• 2:39:20
  Speaker 2: you have a family and you have kids and they're
• 2:39:23
  Speaker 2: young and you're the main breadwinner, you don't care about
• 2:39:26
  Speaker 2: your family. Because if you can qualify for this life
• 2:39:28
  Speaker 2: insurance and it's not going to hurt your budget, and
• 2:39:32
  Speaker 2: even if it does a little bit, you're a fool
• 2:39:34
  Speaker 2: for not getting it. And I remember, I remember I
• 2:39:37
  Speaker 2: have had clients like the, and listen, they did this
• 2:39:40
  Speaker 2: in the old life insurance sales shop training us. So you,
• 2:39:43
  Speaker 2: when you present to that widow, it's one of the
• 2:39:45
  Speaker 2: most memorable days of your life. I hope I never, ever.
• 2:39:48
  Speaker 2: And I had never had to give a more than
• 2:39:50
  Speaker 2: like a couple of life insurance checks, but it was
• 2:39:52
  Speaker 2: after like the kids were grown, but there are, there
• 2:39:55
  Speaker 2: are times where I've had life insurance agents. I was
• 2:39:57
  Speaker 2: friends with that had to deliver that, that check to
• 2:40:00
  Speaker 2: the widow. And it was life changing. It was, uh,
• 2:40:03
  Speaker 2: We're going to be able to keep the house. Our
• 2:40:05
  Speaker 2: kids are still going to be able to go to college.
• 2:40:07
  Speaker 2: We're not going to have to fend for food. You know,
• 2:40:10
  Speaker 2: it was that devastating. And it was also peace of
• 2:40:14
  Speaker 2: mind because they're at the worst time of their life.
• 2:40:15
  Speaker 2: They lost their spouse. And now they got this big
• 2:40:18
  Speaker 2: check coming in, by the way, which is tax free.
• 2:40:21
  Speaker 2: And that's, that's one of the things that life insurance
• 2:40:23
  Speaker 2: doesn't get enough credit for. If you have a 500,
• 2:40:27
  Speaker 2: my wife and I, I think we carry 5 million.
• 2:40:30
  Speaker 2: Day I die, my wife's going to get a $ 5
• 2:40:31
  Speaker 2: million tax-free check.
• 2:40:33
  Speaker 11: Period.
• 2:40:34
  Speaker 2: End of story. Whether I die today or 90 years
• 2:40:37
  Speaker 2: from now, I package it up into what's called a
• 2:40:39
  Speaker 2: ULG for life. Anyways, if you can't afford that, at
• 2:40:44
  Speaker 2: least buy a term policy, which I highly recommend. 20-year term.
• 2:40:48
  Speaker 16: Cheap.
• 2:40:49
  Speaker 2: If you can qualify for it, peanuts usually at the
• 2:40:53
  Speaker 2: right age and the right death benefit, less than a
• 2:40:54
  Speaker 2: dollar a day.
• 2:40:55
  Speaker 1: You mentioned like a 20-year term. Usually when I think
• 2:40:58
  Speaker 1: about term insurance, I think about you pay it and
• 2:41:02
  Speaker 1: then you pay it monthly and it goes away. What
• 2:41:05
  Speaker 1: do you mean by a 20-year term?
• 2:41:08
  Speaker 2: Well, exactly what you said. So after the term, if
• 2:41:11
  Speaker 2: you don't do what's called convert, You have a 20-year
• 2:41:15
  Speaker 2: term policy. After that 20 years, it's over. Now, here's
• 2:41:18
  Speaker 2: the magical number there. Let's say that I'm 20 years
• 2:41:21
  Speaker 2: old and I had two kids at a young age
• 2:41:23
  Speaker 2: and my wife. Our house was paid off in 20 years.
• 2:41:26
  Speaker 2: Kids are out of the house in 20 years. I
• 2:41:28
  Speaker 2: got half a million dollars in my IRA. She's got
• 2:41:31
  Speaker 2: a half a million dollars in hers. We have a pension.
• 2:41:33
  Speaker 2: They're out of the house. We really don't need life
• 2:41:37
  Speaker 2: insurance anymore. If you are like somebody that wants to
• 2:41:40
  Speaker 2: pass on money, I'm always a big fan of what
• 2:41:43
  Speaker 2: I did. I bought a universal life. Whole life is
• 2:41:46
  Speaker 2: an absolute scam. I don't care of any way when
• 2:41:49
  Speaker 2: it comes on the radio and battles me. I can
• 2:41:51
  Speaker 2: numerically destroy them mathematically. You either buy term and invest
• 2:41:55
  Speaker 2: a difference in a lot. The math is so much
• 2:41:58
  Speaker 2: on your side, you can't even believe it. Not to
• 2:42:00
  Speaker 2: talk like Donald Trump, but that's the truth. Or if
• 2:42:03
  Speaker 2: you're like me and just, hey, buy a 30-year term.
• 2:42:05
  Speaker 2: Kids are out of the house in 30 years. I
• 2:42:07
  Speaker 2: really don't need it. I'll save money on the side.
• 2:42:09
  Speaker 2: It's the cheapest form. And if I'm lucky enough to
• 2:42:13
  Speaker 2: outlive the life insurance, then that's a blessing. So there's
• 2:42:15
  Speaker 2: a couple ways to go there. You can always call
• 2:42:17
  Speaker 2: me off the radio to help do that for you.
• 2:42:20
  Speaker 1: Now, you mentioned obviously whole life, and did you say
• 2:42:24
  Speaker 1: universal life?
• 2:42:26
  Speaker 12: Yeah.
• 2:42:27
  Speaker 1: And what is that? I love universal life. You like it?
• 2:42:29
  Speaker 2: Universal life, yeah, I love it. Because if you can
• 2:42:32
  Speaker 2: afford it, It's a way to– there's all kind of
• 2:42:35
  Speaker 2: creative ways to use it as a saving account. A
• 2:42:38
  Speaker 2: lot of universal lives pay 4% or 5%. A lot
• 2:42:39
  Speaker 2: of people don't know that. And if you structure it
• 2:42:43
  Speaker 2: the right way, you can also take that money out tax-free.
• 2:42:49
  Speaker 2: You can build a cash value. Let's say that you
• 2:42:53
  Speaker 2: don't need it anymore. Let's say, I'm just guessing, there's
• 2:42:56
  Speaker 2: $ 80, 000 in it. You can roll that tax-free over to
• 2:42:58
  Speaker 2: an annuity, supplement your retirement income. You get the money
• 2:43:01
  Speaker 2: you would have threw away and turned back. It's connected
• 2:43:04
  Speaker 2: to the bond market. That's the key here. So if
• 2:43:07
  Speaker 2: you buy it when interest rates are down, it has
• 2:43:12
  Speaker 2: a very good chance that it's actually going to go
• 2:43:14
  Speaker 2: up because interest rates are going to go up. So
• 2:43:18
  Speaker 2: it's a way to win without buying crazy whole life,
• 2:43:21
  Speaker 2: which is crazy expensive and sold for big commissions. And
• 2:43:26
  Speaker 2: it's for the people that can afford it. So you
• 2:43:28
  Speaker 2: could get something back out of your life insurance, and
• 2:43:31
  Speaker 2: it's a great estate planning tool. Very great. So in
• 2:43:36
  Speaker 2: a nutshell, but the goal here is to make sure
• 2:43:40
  Speaker 2: that people don't lose their damn mind and bite off
• 2:43:43
  Speaker 2: their nose and spite their face and not buy life insurance.
• 2:43:46
  Speaker 1: It's almost– When people overlook it most, they think, you know,
• 2:43:53
  Speaker 1: they're young, they're not going to die. It might be
• 2:43:55
  Speaker 1: the time when you need it the most, because if
• 2:43:58
  Speaker 1: something does happen, first of all, when you're younger, it's
• 2:44:01
  Speaker 1: less expensive because you're younger. And secondly, if you do die,
• 2:44:05
  Speaker 1: it's usually when you have a bunch of bills, you
• 2:44:08
  Speaker 1: have a mortgage payment, you have young children, and it
• 2:44:12
  Speaker 1: takes care of your family more. If it's a term
• 2:44:16
  Speaker 1: policy and it's relatively inexpensive and you can get one
• 2:44:18
  Speaker 1: for a decent amount of money. And you say it's
• 2:44:21
  Speaker 1: tax-free as well. That's maybe when you need it most
• 2:44:24
  Speaker 1: as opposed to when you're 65 or 70 years old.
• 2:44:30
  Speaker 2: The only reason why you need it those days is, like,
• 2:44:33
  Speaker 2: for me, greed purposes. I don't need my kids. I
• 2:44:35
  Speaker 2: don't need $ 500. For me, it's greed. I make enough
• 2:44:38
  Speaker 2: money in my investments. I take that amount of money.
• 2:44:41
  Speaker 2: I take a slice of it. I put it into
• 2:44:43
  Speaker 2: a life insurance policy. My kids are going to get
• 2:44:45
  Speaker 2: $ 5 million from my wife if I die, period, end
• 2:44:47
  Speaker 2: of story. And how I look at it, because I
• 2:44:49
  Speaker 2: make enough money to make the premium of my investments.
• 2:44:51
  Speaker 1: It's free.
• 2:44:52
  Speaker 2: So that's just a proper plan, and it needs to
• 2:44:55
  Speaker 2: be done. Now, if you're not fortunate, and at one
• 2:44:57
  Speaker 2: time I wasn't, so I get it, you know, just
• 2:45:00
  Speaker 2: buy a term policy. Do something. What you don't do
• 2:45:04
  Speaker 2: is nothing, and that's the key here.
• 2:45:07
  Speaker 1: Yeah, some good advice to think about. And you always
• 2:45:12
  Speaker 1: hear people say it's not a bad idea to have
• 2:45:14
  Speaker 1: a term policy to even cover your funeral expenses in
• 2:45:17
  Speaker 1: many cases. They have something along those lines. I mean,
• 2:45:20
  Speaker 1: everything is so expensive. I mean, certainly. If you love
• 2:45:24
  Speaker 1: your wife and you love your children, you have a
• 2:45:25
  Speaker 1: mortgage or you have funeral expenses or you're worried about
• 2:45:30
  Speaker 1: them being able to pay for the property taxes and
• 2:45:33
  Speaker 1: the electric bill, it's not a bad idea to have
• 2:45:35
  Speaker 1: something that pretty well makes life easy for them once
• 2:45:39
  Speaker 1: you pass away. And to sit there and say you
• 2:45:41
  Speaker 1: don't care about your loved ones when you leave, well,
• 2:45:44
  Speaker 1: I'd have to scratch my head on that as well.
• 2:45:47
  Speaker 2: It's insane.
• 2:45:48
  Speaker 6: Yeah.
• 2:45:49
  Speaker 2: It's insane. I... The other thing I want to talk
• 2:45:55
  Speaker 2: about is a lot of people are going to say, well,
• 2:46:00
  Speaker 2: I got insurance at work. And that is true, and
• 2:46:03
  Speaker 2: I'm glad you do. But guess what happens when you
• 2:46:06
  Speaker 2: quit work? 95% of the time, the policy goes away.
• 2:46:10
  Speaker 2: And 95% of the time, the insurance companies are going
• 2:46:12
  Speaker 2: to kill you on keeping the premium or keeping the
• 2:46:16
  Speaker 2: life insurance because it's guaranteed, or you're just not going
• 2:46:19
  Speaker 2: to get it. And that's why I always tell you it.
• 2:46:22
  Speaker 2: Tell people, I don't give a damn if you have
• 2:46:26
  Speaker 2: work insurance or not. You buy that term policy and
• 2:46:29
  Speaker 2: you protect your family. And then that work policy is
• 2:46:32
  Speaker 2: just gravy on the mashed potatoes. And that's what I
• 2:46:35
  Speaker 2: really want to get across to the listenership is don't
• 2:46:38
  Speaker 2: be a bozo. Don't be stupid in one of these people. Well,
• 2:46:42
  Speaker 2: I got two times my salary and life insurance and
• 2:46:45
  Speaker 2: you got two kids at home. That's crazy talk. What
• 2:46:47
  Speaker 2: if you get laid off? What if they don't pull
• 2:46:50
  Speaker 2: you back? What if you're... What if they just change
• 2:46:52
  Speaker 2: companies and now that's no longer available? There's a lot
• 2:46:56
  Speaker 2: of risk there and you don't want to do that.
• 2:46:59
  Speaker 2: And that's, that's kind of the goal of what I'm
• 2:47:00
  Speaker 2: saying here.
• 2:47:01
  Speaker 1: Boy, I tell you, I tell you folks, this is
• 2:47:03
  Speaker 1: a money talk with John Arnold news radio five 70 WKVN.
• 2:47:07
  Speaker 1: And I mean, this segment has certainly given, I think
• 2:47:11
  Speaker 1: every one of you listening a lot to think about.
• 2:47:13
  Speaker 1: I mean, I'm sitting here listening to what John is
• 2:47:16
  Speaker 1: saying and, and I'm, I'm, attention, as I hope you are.
• 2:47:22
  Speaker 1: There's a lot to digest there. In other words, he's saying,
• 2:47:25
  Speaker 1: and you get those things in the mail all the
• 2:47:27
  Speaker 1: time from AARP if you're older or from AAA or something,
• 2:47:31
  Speaker 1: talking about term policies and life insurance, if you will.
• 2:47:36
  Speaker 1: And you mentioned some key things. A, that is tax-free money.
• 2:47:42
  Speaker 1: And B, term insurance is relatively, I don't want to
• 2:47:46
  Speaker 1: say inexpensive, but it's so much a month and so
• 2:47:51
  Speaker 1: whatever that might be, it's not a bad thing to
• 2:47:54
  Speaker 1: look at is basically what you're saying. Folks, don't disregard
• 2:47:57
  Speaker 1: those things. Think about it, right? Even if you're older, John,
• 2:48:00
  Speaker 1: so you're saying if you're older, you can do a term,
• 2:48:03
  Speaker 1: who knows when you're going to go, and that can
• 2:48:06
  Speaker 1: benefit your family members just from a financial standpoint because
• 2:48:10
  Speaker 1: you want them to have a good chunk of money
• 2:48:13
  Speaker 1: that's tax-free.
• 2:48:16
  Speaker 2: Let's look at it. I have so many clients that
• 2:48:19
  Speaker 2: tell me, hey, I don't need this money in this IRA.
• 2:48:24
  Speaker 2: It's just going to go to my kids. Well, why
• 2:48:26
  Speaker 2: not have that same exact mindset? If you really want
• 2:48:29
  Speaker 2: to pass money on and you're lucky enough to have
• 2:48:31
  Speaker 2: a wife or you have the health to buy a
• 2:48:34
  Speaker 2: term policy that pays them X or ULG, which is
• 2:48:39
  Speaker 2: a universal life guarantee, that pays them X, you know,
• 2:48:41
  Speaker 2: a ton of money and you were, it's literally free money.
• 2:48:44
  Speaker 2: If you look at it, if you weren't going to
• 2:48:46
  Speaker 2: use it anyway, and you could take a hundred grand
• 2:48:48
  Speaker 2: and maybe you're lucky enough to get 300,000 more depth
• 2:48:51
  Speaker 2: in it for given a family, a hundred grand or
• 2:48:54
  Speaker 2: given a life insurance company, a hundred grand upfront, and
• 2:48:57
  Speaker 2: you weren't going to use it. How many investment vehicles
• 2:49:00
  Speaker 2: do you know that guarantee a 300% return overnight after
• 2:49:03
  Speaker 2: a piss test and a blood test? That is absolutely none.
• 2:49:07
  Speaker 2: There's one thing that does that and that's life insurance.
• 2:49:10
  Speaker 2: And again, if you're a listener on here and you're like, well,
• 2:49:13
  Speaker 2: he just saying that to sell you, I don't care.
• 2:49:15
  Speaker 2: I don't sell life insurance. I'm just telling you some
• 2:49:17
  Speaker 2: real stuff here that you should take. advantage of and
• 2:49:21
  Speaker 2: i hope that they do.
• 2:49:22
  Speaker 1: From a from a money standpoint and in many cases
• 2:49:25
  Speaker 1: you can get these insurance policies through uh you don't
• 2:49:28
  Speaker 1: have to go to an insurance agent even uh anymore
• 2:49:31
  Speaker 1: you can you can get them um you want a
• 2:49:34
  Speaker 1: reputable company and a good one but you can that
• 2:49:37
  Speaker 1: you get these things in the mail at least i
• 2:49:39
  Speaker 1: do all the time Absolutely. I'm going to tell you.
• 2:49:42
  Speaker 1: I'm going to stop ripping them up. I'm going to
• 2:49:44
  Speaker 1: start reading them. I'm dead serious, folks. Read them up.
• 2:49:47
  Speaker 1: I shouldn't use the term dead, but I'm serious. John
• 2:49:50
  Speaker 1: Arnold has given me a lot to think about here. Now,
• 2:49:52
  Speaker 1: it's more expensive if you're older, but if you're healthy
• 2:49:56
  Speaker 1: and you don't smoke, I mean, you might as well.
• 2:49:59
  Speaker 1: Who knows if you're in your 60s? Who knows if
• 2:50:01
  Speaker 1: you're going to make your 70s or your 80s, right?
• 2:50:04
  Speaker 2: Right.
• 2:50:05
  Speaker 4: Right.
• 2:50:07
  Speaker 2: At the end of the day, let's talk real. I mean,
• 2:50:09
  Speaker 2: we joke around a lot, but I know there's nothing
• 2:50:12
  Speaker 2: where you love more than your wife and your kids.
• 2:50:14
  Speaker 2: At the end of the day, at whatever age you
• 2:50:18
  Speaker 2: are and whatever age I am, really, there's not much
• 2:50:21
  Speaker 2: to enjoy anymore. I enjoy getting my family ahead. That's
• 2:50:25
  Speaker 2: what matters to me. I like taking vacations. In your case,
• 2:50:28
  Speaker 2: you like buying certain things for your kids, et cetera.
• 2:50:30
  Speaker 2: That's happiness for me. You can really do that. You
• 2:50:33
  Speaker 2: can really provide a lot of easy happiness after death.
• 2:50:38
  Speaker 2: And during living years. And maximize your estate by just
• 2:50:42
  Speaker 2: taking some simple estate planning tools and putting in the
• 2:50:45
  Speaker 2: work and the story.
• 2:50:48
  Speaker 1: Absolutely.
• 2:50:49
  Speaker 2: Life insurance. I'm sorry.
• 2:50:50
  Speaker 1: Go ahead.
• 2:50:51
  Speaker 2: All right.
• 2:50:52
  Speaker 1: I want to just, I don't know if you have
• 2:50:55
  Speaker 1: any other things to cover on this, but I want
• 2:50:57
  Speaker 1: to make sure before we conclude tonight, because it is
• 2:51:01
  Speaker 1: Money Talks with John Arnold. Gas here is $ 5 a gallon.
• 2:51:06
  Speaker 1: And can you talk, can we talk a little bit
• 2:51:09
  Speaker 1: about the economy and what your thoughts are? The market,
• 2:51:13
  Speaker 1: I think, was up today. Can you talk a little
• 2:51:17
  Speaker 1: bit about that?
• 2:51:18
  Speaker 2: This is how Jones was.
• 2:51:19
  Speaker 1: Yeah.
• 2:51:19
  Speaker 2: Well, let's just dig into it, like you said. You know,
• 2:51:23
  Speaker 2: I think we talked about this last show. Everything is
• 2:51:25
  Speaker 2: going to hinge on that Strater-Hermuz opening and staying open
• 2:51:28
  Speaker 2: and the crazies between Donald Trump and the Iran leaders
• 2:51:32
  Speaker 2: that no one even knows who they are anymore. So
• 2:51:36
  Speaker 2: a lot of that hinges on that. And I would
• 2:51:37
  Speaker 2: say right now interest rates and gas prices are going
• 2:51:41
  Speaker 2: to be taking control of the economy. You know what
• 2:51:44
  Speaker 2: premium is per gallon in Jupiter, Florida right now? Because
• 2:51:48
  Speaker 2: I have to use premium because I drive exotic cars.
• 2:51:50
  Speaker 9: No.
• 2:51:50
  Speaker 4: $ 8.
• 2:51:50
  Speaker 16: 50.
• 2:51:50
  Speaker 1: How much?
• 2:51:50
  Speaker 16: $ 8.
• 2:51:50
  Speaker 4: 50.
• 2:51:50
  Speaker 2: If you use a credit card, and I always do, $ 8.
• 2:51:52
  Speaker 1: 50 per gallon premium.
• 2:51:54
  Speaker 2: Oh, my Lord. It's insane. And it goes back to
• 2:52:07
  Speaker 2: what I always think. UPS and those guys are going
• 2:52:10
  Speaker 2: to surcharges. The lawn mowing guys are putting a surcharge on.
• 2:52:13
  Speaker 2: I don't blame them. Their cost for fuel has doubled.
• 2:52:18
  Speaker 2: So it's hurting. It's hurting, and it's going to drastically hurt,
• 2:52:23
  Speaker 2: I think, earnings reports here in the next quarter. I
• 2:52:27
  Speaker 2: hope they figure it out. And that's that.
• 2:52:33
  Speaker 1: I want to pick your brain on a number of
• 2:52:34
  Speaker 1: things before we run out of time. So when you
• 2:52:37
  Speaker 1: look at $ 5 a gallon here where we sit on
• 2:52:40
  Speaker 1: 87 octane, and who knows how long that will go.
• 2:52:45
  Speaker 1: I mean, people are hoping that they reach some type
• 2:52:49
  Speaker 1: of an agreement and maybe prices will come down. But
• 2:52:51
  Speaker 1: that just adds to inflation. And that can be of
• 2:52:56
  Speaker 1: concern to the economy, depending on how long this can go.
• 2:53:01
  Speaker 1: And frankly, I think it affects it even at this
• 2:53:04
  Speaker 1: point in time. But the market still went up today.
• 2:53:09
  Speaker 1: And you would say to yourself, well, we didn't reach
• 2:53:12
  Speaker 1: an agreement or anything like that. When they say the
• 2:53:15
  Speaker 1: market went up because of what, AI stocks and stuff?
• 2:53:19
  Speaker 2: Yes, you brought up something that was beautiful just now,
• 2:53:21
  Speaker 2: and I don't know if you brought up because you
• 2:53:23
  Speaker 2: listen to my podcast, but I will tell you this,
• 2:53:26
  Speaker 2: it's because of dispersion. And I know that's a crazy
• 2:53:28
  Speaker 2: word for the..
• 2:53:29
  Speaker 1: Yeah, what does that mean? Yeah.
• 2:53:32
  Speaker 2: So the only way I can describe it to you
• 2:53:34
  Speaker 2: is by describing a story, okay? Dispersion is basically saying
• 2:53:39
  Speaker 2: there's a leader of the pack. Right now, the top
• 2:53:43
  Speaker 2: 10 AI stocks are carrying the market. Everybody else is
• 2:53:46
  Speaker 2: mediocre to struggling. And dispersion is, so imagine we're in
• 2:53:49
  Speaker 2: a marathon, and we've got 100 runners. And there's 10
• 2:53:54
  Speaker 2: professional athletes in there, and 100, all right? Usain Bolt,
• 2:54:00
  Speaker 2: Olympic-style runners, et cetera. And the rest of us are
• 2:54:03
  Speaker 2: just regular runners. Now, imagine the rest of those 10.
• 2:54:06
  Speaker 2: Imagine we start out the same starting line, and we
• 2:54:09
  Speaker 2: put anchors, ropes and anchors on the rest of us.
• 2:54:13
  Speaker 2: Those guys are so good that they're carrying us So
• 2:54:17
  Speaker 2: the finish line, but they're like a hundred yards ahead.
• 2:54:20
  Speaker 2: That's what's going on with the stock market. That's dispersion.
• 2:54:23
  Speaker 2: Dispersion AI stocks are leading the market right now as
• 2:54:25
  Speaker 2: we speak. And that is scary because everything, everything, you know,
• 2:54:30
  Speaker 2: everything that comes out in the wash and when it
• 2:54:33
  Speaker 2: comes down the wash and the market realizes that, Hey,
• 2:54:36
  Speaker 2: things aren't as good as maybe they appear to be
• 2:54:39
  Speaker 2: in the market. I think we're in for some trouble.
• 2:54:44
  Speaker 1: One of the headlines said that Alphabet and Caterpillar earnings
• 2:54:48
  Speaker 1: were strong in those areas. You know what?
• 2:54:53
  Speaker 2: Google went up crazy today, but you know who didn't?
• 2:54:55
  Speaker 4: Who?
• 2:54:56
  Speaker 2: Microsoft. Microsoft, they had great earnings. A lot of these
• 2:55:00
  Speaker 2: companies right now that are having great earnings, they're getting
• 2:55:03
  Speaker 2: their asses kicked in the market the next day. It's insane.
• 2:55:05
  Speaker 2: But yeah, WDC did well yesterday. MU did well. And
• 2:55:12
  Speaker 2: what you just described to me, Google had a great report.
• 2:55:15
  Speaker 1: So do you think volatility is going to continue just
• 2:55:18
  Speaker 1: based on what's going on in Iran and the economy
• 2:55:22
  Speaker 1: in general?
• 2:55:25
  Speaker 2: Yes, I do.
• 2:55:26
  Speaker 16: Heavily.
• 2:55:27
  Speaker 2: Yes, I do. Yes, I do. And until this comes
• 2:55:31
  Speaker 2: to a screeching halt, which God, I hope is soon,
• 2:55:35
  Speaker 2: I think that we're going to be in a volatile market,
• 2:55:38
  Speaker 2: which is great for day traders and really bad for investors.
• 2:55:42
  Speaker 1: And that oil price or that gasoline price, that's a
• 2:55:45
  Speaker 1: major psychological thing on everybody. Would you not agree? Huge.
• 2:55:49
  Speaker 2: Huge. Huge. I mean, I hate being the bearer of
• 2:55:54
  Speaker 2: bad news. When I talk about $ 5 of gas in
• 2:55:57
  Speaker 2: Mahoning County, and it's all relative, $ 8. 50 in Jupiter, that's scary.
• 2:56:02
  Speaker 2: That hurts everybody. And I don't see... A true end
• 2:56:05
  Speaker 2: in sight. Even if Donald Trump and the Iranian leaders
• 2:56:09
  Speaker 2: got in bed tomorrow and loved each other and everything's hunky-dory,
• 2:56:13
  Speaker 2: three or four months for that to probably come back
• 2:56:15
  Speaker 2: down and come back to reality. You know the airlines?
• 2:56:18
  Speaker 2: By the way, I'm in the airport, which is ironic.
• 2:56:20
  Speaker 2: They have openly said that tickets.
• 2:56:23
  Speaker 1: Are not going to come back. I love when John
• 2:56:27
  Speaker 1: does his show, folks, because he might be dry.
• 2:56:30
  Speaker 28: Go ahead.
• 2:56:30
  Speaker 1: I love it. You're in the airport. That's what I.
• 2:56:33
  Speaker 2: Used to do to my kids' soccer games.
• 2:56:35
  Speaker 1: Did you know, I mean, airline ticket prices are going up.
• 2:56:38
  Speaker 1: They're canceling some flights because of the cost of jet fuel.
• 2:56:42
  Speaker 1: I mean, this has happened in an extremely short period
• 2:56:46
  Speaker 1: of time.
• 2:56:48
  Speaker 17: Yep.
• 2:56:49
  Speaker 2: And that should scare the you-know-what kind of people.
• 2:56:52
  Speaker 1: Right.
• 2:56:53
  Speaker 2: And that's that.
• 2:56:55
  Speaker 1: Right. Absolutely.
• 2:56:56
  Speaker 2: Go ahead. So here's the thing. Dispersion is leading the market.
• 2:57:01
  Speaker 2: I know it's a weird term, but that's the truth.
• 2:57:02
  Speaker 2: That's the accurate term. Is it real?
• 2:57:05
  Speaker 4: No.
• 2:57:06
  Speaker 2: Can you make money in the market?
• 2:57:07
  Speaker 4: Yes.
• 2:57:08
  Speaker 1: Be very cautious.
• 2:57:09
  Speaker 2: Yes. Make sure you're very diversified. One way to approach
• 2:57:15
  Speaker 2: it is just go balanced. So you can do a
• 2:57:18
  Speaker 2: balanced approach for your 60 to 50% equities. Maybe the
• 2:57:22
  Speaker 2: equities are blue chips and some utilities and healthcare, things
• 2:57:25
  Speaker 2: that If those go out of business, then you're probably
• 2:57:28
  Speaker 2: living in a cave. And then package it up with
• 2:57:30
  Speaker 2: a money market or some CDs. And then you go
• 2:57:33
  Speaker 2: from there. And then you live it out.
• 2:57:38
  Speaker 1: Is it hard to say, but what's your thoughts ahead?
• 2:57:43
  Speaker 1: Are you bullish? Are you not bullish?
• 2:57:46
  Speaker 6: I'm bullish.
• 2:57:47
  Speaker 12: I'm not like..
• 2:57:49
  Speaker 2: Out of mind, mind bullish. Like it's 1998 again.
• 2:57:51
  Speaker 1: I'm bullish.
• 2:57:54
  Speaker 2: If I had to put a gun to my head and, uh,
• 2:57:57
  Speaker 2: and to save my family and I had to make
• 2:57:58
  Speaker 2: a decision, I'm bullish. I told you guys that what
• 2:58:01
  Speaker 2: on the radio six weeks ago.
• 2:58:02
  Speaker 9: Yes.
• 2:58:03
  Speaker 2: I'm not, well, I'm not one to say, look at
• 2:58:04
  Speaker 2: me and I'm right. I'm right.
• 2:58:05
  Speaker 6: I'm the same.
• 2:58:05
  Speaker 2: Let the results speak for themselves. I'm bullish, but let
• 2:58:08
  Speaker 2: me also tell you, which is, I'm very cautious and very,
• 2:58:14
  Speaker 2: very cautious. And, uh, And if you're an investor out there,
• 2:58:19
  Speaker 2: you should be. If you're past the age of 50
• 2:58:22
  Speaker 2: and your retirement's around the corner, you need to be
• 2:58:24
  Speaker 2: talking to certain folks. You know who I'm talking about?
• 2:58:28
  Speaker 2: About reallocating your portfolio to bounce to something more conservative.
• 2:58:31
  Speaker 2: You are an absolute idiot.
• 2:58:33
  Speaker 11: Fool.
• 2:58:33
  Speaker 2: If you're heavily invested in the market growth stocks, then
• 2:58:35
  Speaker 2: you're going to retire in the next five years. You
• 2:58:38
  Speaker 2: should be tailoring down, I don't care who's making money,
• 2:58:41
  Speaker 2: I don't care what your neighbor heard, you need to
• 2:58:44
  Speaker 2: be tailoring down and using some common sense and really
• 2:58:47
  Speaker 2: get your portfolio aligned directly with common sense and what's
• 2:58:51
  Speaker 2: suitable for you and your life.
• 2:58:53
  Speaker 1: And not so much in growth stocks if you're five
• 2:58:55
  Speaker 1: years from retirement, as you say.
• 2:58:57
  Speaker 2: Exactly. Yeah, I mean, you can have some, but come on.
• 2:59:00
  Speaker 2: You know, I have another war story. I think we
• 2:59:02
  Speaker 2: ought to go. But, you know, I have people that
• 2:59:04
  Speaker 2: had 100% of their money in their PSP, a GM,
• 2:59:07
  Speaker 2: in GM stock. And they literally were retiring that day
• 2:59:12
  Speaker 2: or retiring that month or that year. And, of course,
• 2:59:16
  Speaker 2: they looked at me as a salesman. Like, I'm trying
• 2:59:18
  Speaker 2: to get them the roller money or me and put
• 2:59:19
  Speaker 2: a diversified portfolio together. Oh, hell, I worked at GM
• 2:59:22
  Speaker 2: 30 years. I trust those guys. I'm in the plant, blah, blah, blah.
• 2:59:25
  Speaker 2: I know what's going on with this company. And guess
• 2:59:27
  Speaker 2: what happened to GM? BK, goodbye, goodnight. Signed, still deliver.
• 2:59:32
  Speaker 2: No money back. So what else can I tell you
• 2:59:35
  Speaker 2: other than the truth? Don't be a bozo. diversify your
• 2:59:38
  Speaker 2: portfolio and see somebody this license and see somebody cares
• 2:59:43
  Speaker 2: about you and put a portfolio together that matches your
• 2:59:45
  Speaker 2: risk tolerance. But more importantly, where you're in, where you're
• 2:59:48
  Speaker 2: at in life.
• 2:59:49
  Speaker 1: Were you surprised? One final question for you. Were you
• 2:59:52
  Speaker 1: surprised where gold ticked down? Usually when you got uncertainty,
• 2:59:55
  Speaker 1: gold goes up.
• 2:59:57
  Speaker 2: Yeah, I was, I was. And I just think that
• 3:00:00
  Speaker 2: it's just reallocation, but I, but I'm not saying that
• 3:00:03
  Speaker 2: gold bullish or bearish, but I'll tell you, I tell
• 3:00:06
  Speaker 2: you that I, I got my eye on it. Let
• 3:00:08
  Speaker 2: me just say that. Anytime I see a bargain like
• 3:00:11
  Speaker 2: that after a large, like a fast run-up, like silver
• 3:00:14
  Speaker 2: took a, you know what, on me, I got killed
• 3:00:17
  Speaker 2: on that. But if you look at silver since the
• 3:00:20
  Speaker 2: gut killed, it's slowly trickling up. Keep your eye on
• 3:00:23
  Speaker 2: those things.
• 3:00:24
  Speaker 1: Yeah, but usually when you got a diverse or volatility
• 3:00:29
  Speaker 1: gold always goes up, it's odd that you got volatility
• 3:00:31
  Speaker 1: and gold goes down.
• 3:00:33
  Speaker 2: It really is odd because it's traded.
• 3:00:35
  Speaker 35: Yeah.
• 3:00:35
  Speaker 1: Yeah, absolutely. All right. So, John, you got me thinking tonight, man.
• 3:00:42
  Speaker 1: I hope he's got you thinking, folks. Remember, estate planning,
• 3:00:45
  Speaker 1: estate planning, estate planning. And remember, life insurance, life insurance,
• 3:00:49
  Speaker 1: life insurance. And I'm going to tell you something, John.
• 3:00:52
  Speaker 1: I'm going to look at those term policies that I
• 3:00:55
  Speaker 1: get in the mail all the time from AAA and AARP,
• 3:00:58
  Speaker 1: and I'm going to start reading them because of you.
• 3:01:01
  Speaker 1: And I thank you.
• 3:01:02
  Speaker 2: Thank you. I hope that helps somebody, including you.
• 3:01:05
  Speaker 1: You did.
• 3:01:05
  Speaker 2: But remember this. Math doesn't lie, and it always wins. Absolutely.
• 3:01:09
  Speaker 1: Every Thursday, it's good to hear his voice. It's the
• 3:01:12
  Speaker 1: Money Talk program with John Arnold, NewsRadio 570 WKBN. Thank you, John.
• 3:01:17
  Speaker 1: We always enjoy it.
• 3:01:18
  Speaker 6: Thank you.
• 3:01:18
  Speaker 1: Appreciate it. That's some great advice that he gave tonight.
• 3:01:22
  Speaker 1: Some great advice. I hope you listen to it. Ron Verb,
• 3:01:25
  Speaker 1: NewsRadio 570 WKBN. Sean's next. From ABC News, I'm Dave Packer.
• 3:01:36
  Speaker 36: Late word this hour of a stabbing spree at a
• 3:01:38
  Speaker 36: high school in Washington State. Authorities racing to Foss High
• 3:01:42
  Speaker 36: School in Tacoma around 1.40 this afternoon.
• 3:01:44
  Speaker 1: The school put on lockdown.
• 3:01:46
  Speaker 36: Officials say five people injured, four seriously, including several students
• 3:01:49
  Speaker 36: and a security guard. Authorities searching the school for additional
• 3:01:52
  Speaker 36: victims and say a suspect is in custody and that
• 3:01:56
  Speaker 36: suspect is a student. Paid at the pump the price
• 3:01:58
  Speaker 36: of oil and gas continues to surge as a war
• 3:02:01
  Speaker 36: with Iran squeezes the global energy market. Nationwide, we're paying
• 3:02:04
  Speaker 36: an average of $ 4. 30 a gallon, up 44% since the
• 3:02:07
  Speaker 36: end of February. Patrick DeHaan with GasBuddy says Americans need
• 3:02:11
  Speaker 36: to get used to that higher price for now.
• 3:02:13
  Speaker 1: We are getting.
• 3:02:13
  Speaker 30: Into territory where even if the street does reopen, it
• 3:02:17
  Speaker 30: could be beyond a year for gas prices to fully
• 3:02:20
  Speaker 30: normalize back to their pre-war levels.
• 3:02:22
  Speaker 36: Defense Secretary Pete Hegseth spending a second day on Capitol
• 3:02:25
  Speaker 36: Hill being grilled about the war with Iran. This time
• 3:02:28
  Speaker 36: by a Senate committee, ABC's Rachel Scott.
• 3:02:30
  Speaker 34: With gas prices at their highest point since the war began.
• 3:02:33
  Speaker 34: And the straight of her moves essentially shut down frustrated
• 3:02:36
  Speaker 34: lawmakers grilling Pentagon Chief Pete Hegseth, asking him if President
• 3:02:40
  Speaker 34: Trump will ever seek congressional approval for the war he
• 3:02:43
  Speaker 34: launched two months ago.
• 3:02:44
  Speaker 36: On the heels of this week's Supreme Court decision to
• 3:02:46
  Speaker 36: strike down a majority black congressional district in Louisiana, Louisiana
• 3:02:51
  Speaker 36: Governor Jeff Landry telling Republicans running for House seats that
• 3:02:54
  Speaker 36: he plans to delay next month's primary so lawmakers can
• 3:02:57
  Speaker 36: redraw the state's congressional map first. And Republicans in other
• 3:03:01
  Speaker 36: states are making redistricting moves. ABC's Lionel Moise.
• 3:03:04
  Speaker 32: Just hours after the decision, Florida's state legislature passed a
• 3:03:08
  Speaker 32: controversial new map pushed by Governor Ron DeSantis designed to
• 3:03:11
  Speaker 32: flip up to four Democratic seats. But while Republicans have
• 3:03:15
  Speaker 32: taken ground in the South, a Democratic counteroffensive in blue
• 3:03:18
  Speaker 32: states has turned the national map into a high-stakes game
• 3:03:21
  Speaker 32: of math.
• 3:03:22
  Speaker 36: The Dow up 790 points today. The Nasdaq and S &
• 3:03:25
  Speaker 36: P finishing at their best month since 2020.
• 3:03:28
  Speaker 1: You're listening to ABC News.
• 3:03:32
  Speaker 19: Hot summer days and high energy bills are on the way.
• 3:03:35
  Speaker 19: Upgrade your home's old leaky windows this month during WindowNation's buy, forget,
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  Speaker 37: I've been telling you all about the secret war on
• 3:04:03
  Speaker 37: our cash and the free report you can receive a
• 3:04:05
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• 3:04:10
  Speaker 37: like to encourage you to subscribe to their podcast on YouTube.
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  Speaker 37: Just search Swiss America Trading. The podcast can provide you
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  Speaker 37: Learn more about BRICS, industry leaders, and their market predictions
• 3:04:24
  Speaker 37: for the future, along with what you might expect to
• 3:04:26
  Speaker 37: see in terms of precious metal performance in the weeks
• 3:04:29
  Speaker 37: and months ahead. Message and data rates may apply.
• 3:04:33
  Speaker 36: Democratic Governor Janet Mills announced today that she's suspending her
• 3:04:36
  Speaker 36: Senate campaign, which means that Graham Plattner is now the
• 3:04:40
  Speaker 36: presumptive Democratic nominee. Plattner is a military veteran and a
• 3:04:45
  Speaker 36: oyster farmer. Today, he said he looks forward to working
• 3:04:48
  Speaker 36: with Mills to defeat longtime Republican incumbent Senator Susan Collins.
• 3:04:52
  Speaker 1: I reached out to the governor this morning, giving her
• 3:04:54
  Speaker 1: my thanks for her decades of service to this state.
• 3:04:57
  Speaker 1: I'm very much looking forward to working with her closely
• 3:04:59
  Speaker 1: as we move forward.
• 3:05:00
  Speaker 36: Leaders at Camp Mystic in Texas are withdrawing an application
• 3:05:03
  Speaker 36: to reopen the camp this summer after last year's deadly floods.
• 3:05:07
  Speaker 38: Even though investigations are still underway into last year's flooding
• 3:05:11
  Speaker 38: that killed 27 campers and counselors at Camp Mystic, camp
• 3:05:14
  Speaker 38: leaders planned on reopening this summer. The camp was set
• 3:05:17
  Speaker 38: to be at a different location and the camp saying
• 3:05:20
  Speaker 38: over 800 children were signed up to attend. But amid
• 3:05:23
  Speaker 38: mounting pressure from Texas officials not to reopen, and last
• 3:05:26
  Speaker 38: week WordCamp Mystic was told its emergency plans were incomplete
• 3:05:30
  Speaker 38: and could not open, the Texas Christian Girls Camp now
• 3:05:33
  Speaker 38: says it has withdrawn its application to reopen this summer.
• 3:05:36
  Speaker 38: The camp saying in a statement no summer season should
• 3:05:39
  Speaker 38: move forward while families.
• 3:05:40
  Speaker 1: Continue to grieve. Alex Stone, ABC News.
• 3:05:43
  Speaker 36: FIFA's president today confirmed Iran will play in the United
• 3:05:46
  Speaker 36: States at this summer's World Cup. Iran is scheduled to
• 3:05:50
  Speaker 36: play New Zealand in Los Angeles on June 15th.
• 3:05:53
  Speaker 1: No word yet on if the U.S. and Iranian teams
• 3:05:56
  Speaker 1: will face each other on the field. Dave Packer, ABC News.
• 3:06:02
  Speaker 19: Hot summer days and high energy bills are on the way.
• 3:06:05
  Speaker 19: Upgrade your home's old leaky windows this month during Window
• 3:06:08
  Speaker 19: Nation's buy, forget, for free sale. Yes, half of your new, beautiful,
• 3:06:12
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• 3:06:15
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  Speaker 19: In select markets, trust our family of brands, New South
• 3:06:24
  Speaker 19: Window and Armor View. That's 866-286-70 or windownation.com to book
• 3:06:27
  Speaker 19: a consultation.