On this episode of the Kim Monson Show, Kim tackles some of today’s pressing issues by examining them through the lens of freedom versus force. From the World Economic Forum’s policies to public education concerns, she provides a critical perspective that challenges mainstream narratives. Explore how zoning laws in Littleton are sparking debate over property rights and democratic processes. Plus, don’t miss Kim’s deep dive into the concept of penumbra, shedding light on the murky intersections of policy and reality.
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It’s the Kim Monson Show, analyzing the most important stories.
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The socialization of transportation, education, energy, housing, and water. What it means is that government controls it through rules and regulations.
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The latest in politics and world affairs.
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Under the guise of bipartisanship and nonpartisanship, it’s actually tapping down the truth.
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Today’s current opinions and ideas.
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On an equal field in the battle of ideas, mistruths and misconceptions is getting us into a world of hurt.
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Is it freedom or is it force? Let’s have a conversation.
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Indeed. Let’s have a conversation. And welcome to the Kim Monson Show. Happy Monday. We’ve got a great show planned for you today. So thank you so much for joining us. You each are treasured. You’re valued. You have purpose. Today, strive for excellence. Take care of your heart, your soul, your mind, and your body. My friends, we were made for this moment in history. And thank you to the team. That’s Producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Teresa, Amanda, and all the people here at Crawford Broadcasting. Happy Monday, Producer Joe. Happy Monday, Kim. And we’ve got another great week planned for you. So make sure that you have signed up for our weekly email newsletter that goes out on Sundays. You can do that at my website, which is Kim Monson, M-O-N-S-O-N dot com. And so sign up there for the weekly newsletter that goes out. You can email me at Kim at Kim Monson dot com. and the text line is 720-605-0647. I really want to hear from you, and many of you do. You text me during the show, and I try to stay on top of that as well. Great comments, and I really appreciate that. I do appreciate the Harris family for their goal sponsorship of the show. As you know, we’re an independent voice. What that means is I purchased my airtime so that we are completely independent. regarding guest selection, subject selection. And so I thank the Harris family and I thank all of you for your support as well. And let’s see here. As you know, we search for truth and clarity by looking at these issues through the lens of freedom versus force, force versus freedom. If something’s a good idea, you should not have to force people to do it. And it’s never compassionate to take other people’s stuff. whether or not it’s their rights, their property, livelihood, opportunity, childhood, or lives via force. And force can obviously be a weapon, but we’re really seeing it being used as policy and unpredictable and excessive taxation, fear, coercion, government-induced inflation, and this agenda of the World Economic Forum and the globalist elites that is pushed by the United Nations. And in fact, the… COP 30, which is the big climate meeting, starts today in Brazil. And so we’ll kind of watch that. I wonder how people got there. And this is so ironic, and we’ll talk with Bob Boswell about this later on in the week, is they… are going to be talking about saving the rainforest, but they actually cut down some of the rainforest to build a highway so all of these PBIs can get around. And so that’s why… Let’s give a shout-out to A Climate Conversation, which is the project of Walt Johnson. He and his wife, Rami, stepped up, and he really wanted to do a documentary, just Socratic questioning about this whole… climate thing. And I was talking with Zach yesterday, and he said Walt was really ahead of his time. Bill Gates has now come out and said, oh, maybe this climate change thing isn’t quite what we thought it was. Well, I would say that Walt Johnson probably was really at the forefront on a lot of this, the Documentary can be watched for free at a climate conversation dot com. It’s been on Newsmax many, many times. But to check that out, it’s a climate conversation dot com. And I think I was talking with some friends last night. What this big meeting is down in Brazil is not to save the rainforest. It’s how to save the. The transfer of wealth that they have figured out to take from ultimately it comes down to middle class Americans to transfer supposedly to third world countries. But of course, the PBIs are taking their place. cut as the money goes by. Otherwise, how is it that Al Gore has gotten so wealthy and has so many houses, uses so many light bulbs, and he jets around in a hydrocarbon-fueled jet? How does all that happen? So they’re down there trying to figure out how to keep that gravy train going, and we will continue to watch that. Our word of the day is penumbra. And it’s P-N-U-M-B-R-A. It’s a noun. And it has a lot to do with the moon. It says a partial shadow as in an eclipse between regions of complete shadow and complete illumination. Number two, the diffused outer part of a sunspot. But number three is the one that we’re really going to use as our definition or what I will expound upon. And that is an area in which something exists to a lesser or uncertain degree. So maybe this whole saving the rainforest is a penumbra of what they’re really doing down there at COP 30. I know it’s a little bit of a challenge, but penumbra, P-E-N-U-M-B-R-A. And I think it was Alex McFarlane, when I was talking with him last week, he used three great words. Then I thought, I’ve got to write those down for Word of the Day, and Penumbra was one of them. Our quote of the day comes from Benjamin Rush, born in 1746, died in 1813. He was an American revolutionary, a founding father of the United States, and a signatory to the U.S. Declaration of Independence. He was a civic leader in Philadelphia. He was a physician, politician, social reformer, humanitarian educator, and founder of Dickinson College. And he advocated for medical freedom. And he thought that that should be in the Bill of Rights right along with religious freedom. And oh, my gosh, as we look at what happened with COVID, he was so right all those many years ago. But I pulled his quote because we’re going to be talking with Colonel Bill Rutledge in our number two as our featured guest and continue part two on his his expounding on his first grade. So I thought education was important. And this is what Benjamin Rush said in 1786 in an essay. He said it is favorable to liberty. Freedom can exist only in the society of knowledge. Without learning, men are incapable of knowing their rights. And where learning is confined to a few people, liberty can be neither equal nor universal. And when we look at our public education system, that we are graduating kids that cannot read cursive, that cannot read and write, this is exactly what the founders were concerned about, because then we get to this point now where we have influenced voters, they don’t understand necessarily what they’re voting on, things are complicated, and that’s why education is so important. Headlines to mention today, the Senate Democrats and Republicans reach a deal to reopen the government. And the other one is some BBC bosses resign after criticism of editing a Trump speech. So this is propaganda. where they start to not give the whole truth, but start to edit things to get to a certain narrative. And this was regarding January 6th. So we’ll continue to talk about these things throughout the week. But it’s so important that we continue to highlight our… great sponsors because of them is why we are on the air and because of all the support that you all give us as well. And so when a great way to support the show is to work with these great people that I work with. i’m talking with roger mangan with the roger mangan state farm insurance team we’re doing a primer on your auto insurance policy what’s our next subject to talk about roger well the next one is a little gruesome i guess but there is an endorsement or coverage you can buy for your auto policy called s coverage
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And S, not sure where the S comes from, maybe from sight. But if you lose your sight in an auto accident, one eye, two eyes, whatever may be the case, or you die or you’re dismembered, this coverage actually steps in. It’s very inexpensive, $3 to $4 every six months. And by the way, if you are a person who can’t qualify for life insurance, It would be a coverage you’d want to put on because there’s no qualifying. You just say, give me that coverage. And what it covers is if you die in a car accident as a result of injuries sustained in a car accident, we will pay you up to $10,000. or your errors, $10,000. If you have your seatbelt on and you die with your seatbelt on, it’ll pay you $20,000. Two different levels, $10,000 and $5,000. Or $20,000. No, it’s actually $5,000. Excuse me, I’m a little confusing. If you die with your seatbelt on, we’ll pay $20,000. If you die without your seatbelt on, only $10,000. Okay. But instead of that coverage, you can also buy $5,000, which will become $10,000 with your seatbelt on. So there’s two levels of coverage, both very, very inexpensive. Okay. And by the way, when you buy that coverage, let’s say you have three cars and you have it on car A, but you die in car B or C, it’s actually going to extend to any car you’re in that is insured in that household. Wow. Okay. Very good. So if you see other elements of that coverage, if you sustain dismemberment or loss of sight as listed in the policy schedule, we’ll pay that amount shown in the schedule. The death, dismemberment, and permanent loss of sight has to occur within 90 days of the accident. But if you lost a finger or a hand or whatever in an accident, it has… economic value. That’s the gruesome part of this conversation. I don’t like talking about it, but you should understand what it does. And I would, as a matter of fact, put it on your policy and when I’m explaining your policy to you and you say, well, what’s that for? And I explain that most people will leave it on because $3, $4 every six months is not a consequential number.
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Well, that’s for sure. And this would be a really, it’s something that kicks in when tragedy has occurred. Yep, absolutely. Okay. Anything else to know about this, Roger? No, that’s a pretty basic coverage, but that’s a good one. Okay. We’ve got about two minutes left. Shall we take on a new subject or shall we keep that for our next conversation?
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Let’s take on a new subject. I want to talk about what’s going on in the industry a little bit. Do you want to get into it right now? Yeah, that would be great. Okay, so what’s happening nationwide with claims is claims are through the roof. The number of claims and the amount of dollars paid in claims because of inflation primarily, all kinds of reasons, but insurance has gotten very expensive. Just so you know, when we increase your rate by, let’s say, 10% on an auto policy that goes from $300 to $330, that’s because we’re anticipating spending that much more in the coming year. It’s usually the result of what happened the previous year. So if we… If we guess wrong, and that’s what we do with actuaries, they guess how many claims we’re going to have and the severity of those claims. So if they say, hey, we’re off by 10%, they’re probably going to increase your premium by 10%. Now, what keeps that in check is competition, the good old American way, free enterprise competition. If we over-insure or increase your rates, you’re going to go someplace else. So actuaries and insurance companies aren’t just arbitrarily increasing rates. They’re saying, what can the market stand and what do we need to be solvent as a company? So I think it’s important for you to have that concept in mind. But what’s happening, the model that’s used in claims is repair and replace. That model is becoming very, very expensive. And the trend is to shift to predict and prevent. So the mindset now is what can we do to help people predict what might happen and how can we help them prevent that from happening? In a home, for example, you can add certain devices that will shut off your water if there’s a water leak in the house. We had a home and we had a device on called a water cop. So if my toilet leaked while I was away, the sensor… attached to that toilet would actually send an electrical signal to a receiver and would shut off the main water source coming to the house. So that’s a preventive measure. If we can encourage people to do that on a wide scale, insurance prices would come down. But most people won’t do that because there’s no incentive to do that. It’s costly to do that. It probably costs you $1,200 to $1,500 to put that system in your house. So people are going to go, I’m not going to pay that. If I have a loss, I have a loss. Well, the problem with losses now is if you have a home, your deductible is probably going to be 1%. And so you might have a $5,000 to $10,000 deductible. So you’re going to be out of pocket $5,000 to $10,000 if you have a water claim when you could have been out $1,500 to prevent it. So there’s a whole different notion about how to manage losses that is coming to fruition in the industry. Okay.
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That’s super interesting, and I think these are basic things that people need to know about. So I really appreciate this primer that we’re going through, Roger. How can people reach you for a complimentary appointment?
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Please call us at 303-795-8855, and any one of our four team members will be glad to help you. And I can’t speak highly enough about my team members. Amanda, my office manager, has been in there 12 years. Stacy’s got like 30 years of experience in insurance. Michelle, they’re all very, very good. Cassie is new to us, but she has like 25 years of insurance experience. They’re superstars. They’re really solid people.
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And again, that number is 303-795-8855. Like a good neighbor, the Roger Mangan team is there.
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There’s so much noise coming at us. Sometimes it is difficult to make sense of it all. How can you sift through the clamor for your attention and get to the truth? The Kim Monson Show is here to help. Kim searches for truth and clarity by examining issues through the lens of freedom versus flippancy. Force. Force versus freedom. Tune in to The Kim Monson Show each weekday, 6 to 8 a.m. with encores 1 to 2 p.m. and 10 to 11 p.m. on KLZ 560 AM, KLZ 100.7 FM. The KLZ website, the KLZ app, and Alexa. Play KLZ. Shows can also be found at kimmonson.com, Spotify, and iTunes.
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And welcome back to the Kim Monson Show. Be sure and check out our website. That is Kim Monson, M-O-N-S-O-N dot com. And I wanted to say thank you to the Harris family for their goal sponsorship of the show. I greatly appreciate that. And pleased to have on the line with me Joe Whitney. He is with a group of citizens, just grassroots citizens, that got a question on the ballot in Littleton. And I think it’s one of the few bright spots that we had in this election results this last time around. But I wanted to talk with Joe about that. Joe Whitney, welcome to the show.
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Thank you, Kim. Good morning.
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So it’s great to have you. And let’s talk about Rooted in Littleton. This has been such an interesting issue to watch. And tell us, for people that don’t know about what happened, set this up for us, Joe.
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Sure. We are a group of citizens, entirely volunteer run, and we responded to an act that our city council did way back, actually last holiday season, where they tried to change the definition of single-family residential to include duplexes, triplexes, and quadplexes. So we all banded together and were able to stop them temporarily from putting that through last January. And we realized they were going to come back and still believed in trying to get that done. So we put together a charter amendment or amendment to our city charter that would prohibit them from doing that, at least for the next two years.
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So this passed. This is huge that this passed by the people in Littleton. Yes. Yes.
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It did. It did. Yeah. Interestingly, when we started, when we stopped them the first time, we went out and conducted a survey. We hired an independent third party to do a survey and just to see if the community believed the way we believe. And it showed that 54 percent of the community did not want this to happen, did not want to see the rezoning happen. And we went and shared that with everybody. It’s still on our website today. We share it with city council. They immediately dismissed it, said it was biased, et cetera. And lo and behold, when we had the election, 55 percent said that they didn’t want it. So, you know, we’ve been telling them all along this is not what the community wants. And they’ve been acting on their own self-interest, trying to force feed it to the city of Littleton.
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But what I find interesting, Joe, is that the people of Littleton reelected or elected the group for the mayor and city council that’s been pushing this forward. So this is a real disconnect for me.
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Boy, it sure is for us, too. We were really surprised about that, honestly, because we had some really terrific candidates, and their margin of loss was similar to our margin of victory. So can’t really explain that, aside from the fact that maybe people in Littleton thought that having 3A approved and on the city’s Charter would would protect them. And the reality is we’ve got seven Democrats now on city council, no opposing point of view. And all seven of them are intent on unwinding 3A that we worked so hard to get put on to the city’s charter.
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So when we are so concerned about socialism, socialistic policies in New York, what I am realizing that we are seeing this in many ways are playing out in our local municipalities as well. And so we really need to… become citizen watchdogs to watch what’s going on here. What’s the next plans for rooted in Littleton when you’ve got, and I want to make the point that this Democrat party that we have now in Colorado is not the Democrats of JFK or your grandpa and your grandma. The Democrats overall that are in control in Colorado are pushing a really radical agenda. And and I don’t think I think that many times people think that they’re voting for that JFK kind of Democrat. That’s not the case anymore. So watching what’s going on is going to be very important. So what’s the next steps for rooted in Littleton?
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That’s a great question, and I love the way you set that one up because you’re absolutely right. The democratic machine is really, really well organized here. We were all political neophytes. We’re just a bunch of neighbors that got together together. And we were stunned to see how many different levels we were attacked from, you know, attacked from the party, attacked from a group called Vibrant Littleton, attacked from existing city council. Another political action committee started up from Vibrant Littleton called Littleton Grows. And we’re getting it on all fronts. And there really isn’t an organization or anything close to it on the Republican side. So we didn’t have any support back there. It was really… David against Goliath here. And it’s an old guard political machine. So we as citizens really need to come together and be aware of that and start to fight for our rights. And so many people are so complacent and think it’s not as bad as it is. But boy, what you said is exactly right. It is really deep, really well organized. And we have a long way to go.
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Well, and so connecting these dots on 3A, which puts a pause on the redefinition of single-family homes, that definition. And I’ve talked with Randall O’Toole, who’s an expert on urban planning and transportation. And zoning can be used for good or for not good. And single-family neighborhoods, there is a property right that is inherent in that. People bought into these neighborhoods, and it’s a property right. It maintains value. And so this redefinition to put in duplexes and… and multiplexes in single-family neighborhoods is actually an assault upon property rights. And property rights are inherent in the American idea. And how this changes property rights is It’s more subtle, but it may reduce the property value of a single-family home. It will put people in on top of each other. They’re not planning on parking. And it really is an assault upon that particular property right. And the radical activists that are pushing this, this is World Economic Forum stuff right here in our neighborhoods. And so it’s important that people understand that this is an assault upon property rights, Joe Whitney.
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Yeah, and I think the premise that they work from is around affordability, which is really attractive to young families because obviously everybody has to work really hard to buy their first home and have to save up for a long time. We all did, and everybody probably always will. But a home is not a participation trophy. You’re going to have to continue to work. And the idea that you can bring affordability down to the levels they’re talking about is a massive devaluation of property across the whole city. You know, here in Littleton, you know, the mid-priced home is probably, you know, that they’re scraping these days is $500,000, $600,000. So they’re scraping those, and where they’re able to put a triplex or a quadplex, they’ll resell those three or four units for a million dollars apiece. And so when they talk about that doesn’t immediately cause… No, it’s not. But their whole premise is if we increase supply enough, demand will come down. So you think about a $500,000 home that’s taken out of inventory, replaced by $3 or $4 million homes, and then they talk about that’s somehow going to cause more affordability. You have to have a 50% decline in the value of property across the city to make that happen, which is a total economic meltdown.
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The term affordability is being used to really usurp property rights. And one of the ways that I call them PBIs, politicians and bureaucrats and interested parties, could increase affordability is to reduce rules and regulations. And I think it… I can’t remember my source. I’ve sourced it before on the show. But… For a new build, over $65,000 goes to rules and regulations and mandates. It seems like, Joe Whitney, that would be a great spot for PBIs to start to address to increase affordability. Another way to increase affordability is to lower property taxes. So those are two things that could really increase affordability, but the word affordability is the straw man argument to really change the fabric of our community. So rooted in Littleton, we want to stay on top of this and continue to have transparency about what is happening and draw heart from what you all have done in your community. And transparency on this is going to be so important. Joe Whitney, thank you. What’s your final thought for us today?
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We’ve got a long way to go. We won the battle, but the war is still raging, and we need people to come out and help. And I think every community needs to come out and really stand up for what you believe in, because if you don’t, somebody’s going to take it from you. So you’ve really got to get out there and be a part. You have no idea how intertwined this whole opposition force is, but it’s massive.
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It is massive, but the great thing about it is that you’re stepping forward, taking action, and we will continue to take heart from that. So, Joe Whitney, thank you so much for joining us today.
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Thank you. We really appreciate your support.
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All Kim’s sponsors are an inclusive partnership with Kim and are not affiliated with or in partnership with KLZ or Crawford Broadcasting. If you would like to support the work of The Kim Monson Show and grow your business, contact Kim at her website, kimmonson.com. That’s Kim Monson, M-O-N-S-O-N dot com.
SPEAKER 20 :
And welcome back to the Kim Monson Show. Be sure and check out our website. That is Kim Monson, M-O-N-S-O-N.com. Today is the 250th birthday for the Marines and was out at the USMC Memorial for a great event on Saturday to honor Veterans Day. But I want to say thank you to all of the Marines. And there was a lot happening, 1775, in 1775. See, the Army, their birthday is June 14th, 1775. The Navy, October 13th, 1775. And the Marines, November 10th, 1775. And so happy birthday to the United States Marines. On the line with us is, you know her, a fan favorite, and that is Lauren Fix with Car Coach Reports. Lauren Fix, welcome to the show.
SPEAKER 19 :
Well, thanks for having me back. Yes, and happy birthday to the Marines and veterans all around the country.
SPEAKER 20 :
Yeah. I did three events this last weekend for honoring veterans, and it was just great, and I’m going to do one tomorrow as well. But, Lorne Fix, I was traveling, and it’s been two months since you and I have talked, so I miss you. But you are doing such great work. Aw. And people can find you at Car Coach Reports at Substack. And first question, and then I just have to ask you what else you want people to know. But this article that you published and was also at Newsmax was that your car is spying on you. So talk to me about that.
SPEAKER 19 :
Oh, yes. That is extremely interesting what’s going on. So when you get your vehicle, you agree to all these things from satellite radio to using the navigation system and safety features and all these things. And, of course, when you buy a car, you sign the paperwork that says, yes, I’m going to pay for this car, and I agree to all the terms and conditions. Nobody reads that. Nobody. But there is somebody that did read it, and the results are that you realize that that data being collected. And the data is like, well, we’ve all heard about data, but this is really interesting. And it’s also very invasive. So the center screen in your car, even if you’re talking about an older car, collects the data. And it reports that data not just to the car company, but to whomever you agreed to use their service. So that could be Apple for Apple CarPlay, Android. That could be Alexa, Google. It could be a navigation company that you signed to. And all of that information is being sold. But, like, what kind of information? This is the part that’s kind of scary, is that information is not just where you go, when you go, how long you stay there, what you listen to on the road. And then, of course, it’s not just taking that data, but also how fast you’re driving. yeah and who’s with you because it collects all that information through bluetooth through wi-fi through your wi-fi on your bluetooth on it’s constantly collecting data from multiple sources you could go to the local coffee shop and maybe park your car and go inside with your friend and get a cup of coffee well that bluetooth and that wi-fi connection that a lot of people leave on and don’t shut off when they’re not using it is constantly sharing the information from your phone and your car And so there is no privacy left anymore. You still have a private conversation in a car. That’s out the window. And all of that data is being sold. And that’s where car companies and all the sub companies make money, whether it be Apple or Android or any of them, because they’re selling your data, everything to insurance companies, to the federal government. They consult to the police departments. They consult to someone who wants to sell you a mortgage or insurance or maybe extended car insurance. We’ve all heard that. And it’s very invasive, and you start realizing how deep it goes. It’s pretty scary.
SPEAKER 20 :
It is really scary. And so we see all of these big data centers that are being built. And I was thinking, this isn’t just so that we can use AI to help with an email or whatever. What you’re saying here is it’s very invasive. It’s really, I think, an affront upon the Fourth Amendment, although we have agreed to do this because of convenience. And this can be really used nefariously on everyday Americans. So what do we do about it? Oh, absolutely.
SPEAKER 19 :
Well, that is a difficult thing. There’s a couple companies I found, and neither of them are paying, neither are third-party companies, that could probably help you locate what they’re collecting specifically to your year, make, and model your car. Because if you’re driving an 84 Toyota Camry, it’s probably not tracking anything. But if you’re driving a 2005 Camry, is it you can go to it’s i’ll just give you these websites i found them there’s i’m sure there’s others this is privacy the number four cars.com so t-r-i-v-a-c-y the number four cars plural.com and the other one is vehicle privacy report.com So three words, vehicleprivacyreport.com. And they’ll allow you to look up your vehicle, see exactly what kinds of data is being collected and what it’s sharing. And the results will probably upset you because be prepared. It’s not good. I mean, I don’t care what you’re driving. They’ve got everything from contacts, your call logs, your location history, your garage door codes, your infotainment. And so this is all being used. Even when you get your car in for service, that data is being collected. I mean, it’s it. ridiculous and there’s actually a supreme court drew a line and they said that only the government it would be the one that is protected in the united states versus jones in 2012 the supreme court ruling uh was attached to a gps tracker to a vehicle and monitoring its movements it can sit it can it basically is a search under the fourth amendment But in other words, that law enforcement must get a warrant before tracking your car. That’s really what the result of that court case was. That’s not much. That’s not protecting you. That’s not protecting anyone that says, if I need to use this data to come after you, if you’re guilty or maybe it’s protecting you, then they have to get a warrant. But other than that. All that stuff is open. A lot of people are very upset about it, but there is no law in place right now. And there is one myth I need to declare for you that when you say you’re going to opt out on that data, you’re really not opting out. There’s no way to prove that you’ve opted out. I think that’s where people get upset. They’re like, what do you mean? I said, no, I don’t want you to share my data. How do you prove that? They can still do it anyhow.
SPEAKER 20 :
Well, this is a big problem. And because of convenience, people just, we just go ahead and we like the convenience. We’re all, not, I can’t say everybody, but I’m even guilty of it. I’m thinking, oh, yeah, that’d be convenient. So I agree to it.
SPEAKER 19 :
So I’m I’m just perplexed. I do the same thing. I mean, I like the convenience of some things I could get in a car. And it’s as though if you want to use the maps that you have to agree that, you know, this is giving you the most up to date information. You go night, the most up to date information. But nobody reads the small print because what the big print gives the small print always takes away.
SPEAKER 20 :
Oh, that’s a great nugget. Oh, I need to write that one down.
SPEAKER 19 :
Here, I’ll give it to you in my version. It’s, what the big print giveth, the small print taketh away. That’s the official.
SPEAKER 20 :
Oh, I’m going to use that, Lauren Fix. I’ll give you credit on that. What else is on your radar? I’m looking at your substack and there’s so much going on out there. Let’s talk a little bit about EVs and those credits because tax incentives, tax credits, we need to get rid of those across the board for everything and get back to a freer market. So what’s going on with EVs?
SPEAKER 19 :
All EV tax credits are gone. And you’re going to see right now the dropping of sales of electric vehicles. If you want to purchase one, today’s the day. There are great deals on electric cars from every brand because they can’t get rid of them. Now, there is some exceptions, and I would say that exception would be Tesla because he’s always been an EV brand. And he does have used EVs. I very much caution you on purchasing a used electric vehicle because it’s sort of like buying a used phone. The range is shorter and it continues to get shorter because batteries have so much life. We’ve all been there. You pick up your remote control for your TV and it’s dead. And you’re like, come on, I just put new double A’s. there. Well, it just is what it is. So, I mean, batteries don’t last forever. And the longer they’ve been used, the more miles that are on them, the more we’re in terror. And if the vehicle doesn’t have a gasoline backup extended range or a hybrid, you will be having basically a brick in And I’ve seen a lot of that lately, and the replacement batteries are very expensive. So don’t get trapped into buying a used EV. The resale value on those is through the floor. They’re horrible. Even new cars, if you bought it new and you want to turn it in, some dealers won’t even take them. A perfect example would be Porsche. You go out and spend $200,000 on the coolest tie can, and it looks great, and it performs well. And then you go, you know, I think I’ll turn it in for a new one or something else. Nobody wants it, not even the dealer. So keep in mind, if a dealer doesn’t want it, there’s a reason there.
SPEAKER 20 :
Okay, so next question before we go to break. I see out here in Colorado a number of these Rivians. I’ve seen pickups and then it looks like SUVs. They’re cool looking, but that company is in financial trouble. And in all the conversations that I’ve had with you, I’ve realized that if they go out of business – It’ll be difficult to get parts for those, right?
SPEAKER 19 :
It’ll be impossible. Yeah, Rivian is a cool product. It does have a different situation. There’s a lot of money going into it from Amazon. So little ugly Amazon trucks, those are built under the Rivian branding, under their charging infrastructure, their platform that goes underneath the vehicle. So Rivian does have a relationship with Amazon. They’re less likely to go out of business than some of the others. Lucid is another one. They’ve got lots of money coming from the Middle East to keep them alive. For now, both companies are producing pretty cool products. If you want an electric vehicle, remember that you will require a charger. And if you put a charger in your home, you must tell your insurance company or you’d get no coverage if there’s a fire. So that’s pretty serious. And you need to be aware of that. Insurance rates are higher. Replacement parts are way more expensive because you’re not buying a Ford. And also over the weekend, we heard that Ford is talking about dropping their lightning trucks. So whatever’s out there in the marketplace, that’s it. So I’m going to assume if the rumor is out there based on what we know in the past. it’s probably done. They usually float the rumor to see what kind of feedback they get. So I would say if you’re looking at an electric pickup truck and you want a Ford Lightning pickup truck because they’re cool, I would grab one quickly because they’re about ready to have a fire sale. And then all the cool ones will be gone. They’ll be left to be stripped down models. But also just keep in mind that before you buy an electric car, note that infrastructure is not going to improve any more than it is. And the insurance rates are very high. And charging now, it’s only going to get more expensive no matter what state you’re in.
SPEAKER 20 :
And I’ve seen some different Tesla charging stations. There’s one that was just built in a parking lot close to the station. And any electric vehicle can use those charging stations, though, right?
SPEAKER 19 :
No, no, you can’t. You need what’s called a NACS system, N-A-C-S. Not every vehicle has it. The key to Tesla making sales is that he had his own charging infrastructure, which he got the states to pay for. So you got to give Elon Musk for being creative and smart and beating the states at their own game. But keep in mind, most vehicles cannot charge there. You have to have a NAX system. And even if you get an adapter, you’re only going to get level two charging. You will not get fast charging. goodness and but because of trump uh the subsidies for new charging stations is going away yes sir it’s gone yeah he they took it all in under lee zelden he’s taken away the electric vehicle mandate that will never come back because it was under a congressional review act so keep that in mind as well and it’s really important to note that um If you think you’re going to buy electric vehicles, you want one. Great. Don’t be forced. Don’t let anyone trick you into you have to buy it. It’s all going to be electric because I’m going to tell you it’ll be in the mix. but it’s going to be low-priced, entry-level vehicles. Chevrolet’s going to bring back the Bolt. It’s going to come in around $27,000, they claim. I think it’ll probably end up being a little higher. But all these electric vehicles, including all these Cadillacs, they’re going to have one heck of a time selling them because consumers have woken up to the fact that they don’t want these. They want to have options. Whether it be a hybrid, gas, or diesel, they want those choices. And if you want an EV, there will always be a few out there, but they’re going to be more entry-level priced, not these ridiculous $100,000-plus vehicles. electric vehicles.
SPEAKER 20 :
Wow. Okay. We’re going to continue the discussion with Lauren Fix, Car Coach Reports. You can find her at carcoachreports.com. Also, it’s Car Coach Reports at Substack as well, isn’t it, Lauren?
SPEAKER 19 :
It’s Car Coach Reports or Lauren Fix, yes.
SPEAKER 20 :
Okay, very good. And we have these important discussions because of our sponsors. And for everything mortgages, reach out to Lauren Levy. He can help you with a mortgage in 49 of the 50 states, just not New York. But everybody’s probably going to be moving out of New York, so that doesn’t matter. So reach out to Lauren Levy.
SPEAKER 16 :
Many seniors are feeling squeezed because of inflation, higher property taxes, and increasing costs of living. If you’re 62 or older, a reverse mortgage may be the solution. Reverse mortgages can be complicated, so it’s important that you understand the process and work with a trusted professional. Mortgage expert Lorne Levy will help you craft solutions for your unique circumstances, whether a reverse mortgage, first mortgage, or a second mortgage. If you’d like to explore how a reverse mortgage might help you, call Lorne Levy at 303-880-8881. That’s 303-880-8881. Call now.
SPEAKER 09 :
April 26, 1777. Colonel, the British are raiding Danbury and burning the town. I’ll go tell them. Sixteen-year-old Sybil Ludington mounted her horse and rode 40 miles through night and pouring rain. That’s twice the distance of Paul Revere to sound the alarm.
SPEAKER 11 :
Quickly.
SPEAKER 09 :
assemble at my father’s house the kim monson show is our modern day sybil luddington bringing us the latest breaking news in the battle for truth and freedom ben’s plumbing heating and cooling is proud to stand with kim will you stand with us get engaged with the issue that keeps you up at night so that you can influence your school and community with truth and justice And for quality craftsmanship at a fair price, call or text Ben’s Plumbing, Heating, and Cooling at 303-995-1636. That number again is 303-995-1636.
SPEAKER 02 :
Do you strive for excellence as you work with your clients and customers? Does it make sense for you to add a unique and focused branding opportunity to your marketing portfolio? Would you like to access a broad customer base that loves our country and wants to make life better for ourselves, our neighbors, our colleagues, our children, and our grandchildren? Then you may be a perfect fit as a sponsor slash partner of The Kim Monson Show. To learn more, reach out to Teresa at 520-631-9243. Teresa would love to talk with you. Again, that number is 520-631-9243.
SPEAKER 20 :
Welcome back to the Kim Monson Show. Check out our website. That is Kim Monson, M-O-N-S-O-N dot com. Did want to mention the Center for American Values, which is located in Pueblo on the beautiful Riverwalk. And they are focused on educational programs for kids K through 12, helping educators, honoring our Medal of Honor recipients. They’re nonpartisan, nonpolitical, but would highly recommend as we’re getting into the holidays that you join. put the family in the car and go to pueblo to the center for american values it will change your life it is such a special place that website is americanvaluescenter.org americanvaluescenter.org and if you are craving real new york style pizza and pasta little ritchie’s and parker and golden has you covered authentic new york flavor with colorado roots from daily specials and weekday lunch deals to a happy hour worth planning around they are your neighborhood favorite And the one in golden is right across the street from the USMC Memorial. And on Saturday when I was out there for the event in honor of Veterans Day, I brought home one of the most delicious calzones. So again, check out Little Richie’s Pizza. So Lauren Fix is on the line, Car Coach Reports. You can find her at carcoachreports.com. And Lauren, tariffs are obviously in the news all the time. And a couple of weeks ago you posted something, will Trump’s car tariffs save the U.S. auto industry? So unpack this for us.
SPEAKER 19 :
Okay, yeah, there’s a lot going on. The tariffs are actually bringing jobs back. Now, it’s not going to happen overnight, so we have to keep that in mind. But what’s happened is under the Obama administration, and of course Biden continued this, and Trump’s first term he tried to fight it, but I think he had no idea how deep the swamp is. It’s pretty darn deep, as we all know. They shipped a lot of jobs overseas to China, to Thailand, to Vietnam, to other countries, and took regular jobs for us here in the U.S. away. And now what he’s done is basically told the car companies, you’ve got to build your cars here because we’re finding and this is I was having a conversation on a radio show yesterday, a radio show called The Drive with Lauren and Carl. It’s syndicated or you can find it on YouTube. It’s at the drive car show to put the drive car show and you’ll find us. And one of the things that we discussed, which I thought was interesting, was that car manufacturers have such empty space on their production floors. BMW, who’s expanding here in the U.S., Honda, they’re going to start building products here and shipping it overseas. So it was the other way around for a long time. Products being built in China and other countries, including like the Lincoln Nautilus, which is a fantastic car. They’re building it in China and shipping it here. Well, now they’re shifting it to Kentucky. And they did that earlier this year because they knew if they didn’t, the tariffs would be so much you wouldn’t be able to sell it. And so we’re starting to see that kind of information, for example, in Honda’s case. We were told that civics and such aren’t being sold in Australia. A friend of mine was just at the Honda plant in Japan. And I thought that was interesting. I said, well, they don’t sell civics like the most popular car in Australia. And he said, no, they’re going to produce them here in Ohio and ship them internationally or halfway around the world. So things are starting to shift slowly. So and why people think all these tariffs can make cars more expensive. they’re actually not going to make them that much more. You will not notice $100 or $300 increase in price. These prices are going to go up anyhow because of cost of chips and everything else. The tariffs are actually causing manufacturers to bring back Everything from assembling wiring harnesses to components underneath the car and under the hood. And that’s good because that means jobs. Because they made a lot of towns ghost towns by pulling all of the jobs out of the U.S. and moving them to other countries. Good for other countries. Horrible for us. But at the time, car manufacturers were saying, oh, I can make it cheaper. I don’t have to deal with the unions. Well, that’s about to change.
SPEAKER 20 :
Okay, so is this going to make the unions, the autoworkers unions, more powerful?
SPEAKER 19 :
Not necessarily, because when car manufacturers like Honda are building intentionally in non-union states like Ohio, there’s a huge expansion going on in Georgia right now with Kia and Hyundai, a large expansion in Birmingham, Alabama. Mercedes is expanding their plant in Alabama. Where are all these plants? Oh, and that includes Volvo, by the way. They’re in South Carolina. BMW’s putting on a huge addition. I was there, oh, about six months ago, and the growth… In South Carolina, it’s unbelievable. The number one employer for the whole state of South Carolina is BMW. And, of course, that brings all the suppliers like Michelin and so forth, you know, when it comes to tires and that. But I think intentionally a lot of these manufacturers are producing, now that they’re coming back, they’re not reopening in union states. They’re reopening in non-union states.
SPEAKER 20 :
Boy, that is really fascinating. So I’ve seen different reports in tech that they’re laying off, like Amazon’s laying off some people. And I see these reports, and on a micro level, I don’t really like to see people losing their jobs in a free market economy, though. It happens. But this is some good news that I certainly have not seen in the headlines regarding bringing these manufacturers back.
SPEAKER 19 :
No. You’re funny. Mainstream media will never report anything positive on Trump. And sometimes Fox doesn’t either. Newsmax is sort of hit and miss, and I write for them. But the truth is, if you want, you have to listen to the radio. The radio has been fantastic. AM radio, FM radio, people are going back to it, and we’re noticing a huge resurgence. I’m noticing that because of our radio show, that people are picking up content that they’re not getting other places. Of course, there’s alternative media. You can use Rumble instead of YouTube. But there is so much information being squashed and taken away, and that’s why your show is so important. If you want to know what’s going on, you have to listen to the radio. You have to hear what’s going on and talk to people. I think what you won’t see as far as like you’re talking about AI with Amazon, they’re using a lot of computerization and AI to replace people. That is a concern. Although I did talk to someone in the industry and they said there’s going to be a tipping point where you as the consumer, it’s fun to use ChatGPT or Grok or one of the other brands out there that have AI. But at some point, you’re going to say, wait a minute. i want to hear an opinion from a person not from a computer that scanned the internet and took a bunch of information from a bunch of different could be larger small sites and created an answer for you and they they believe that and i believe this is true as well like the dot-com bubble there’ll be a point where it reaches a tipping point and consumers say you know what I don’t want to hear an opinion from a non-person, essentially, because you as a person have an experience with using a product or service, whatever it might be. So people want that interaction. And I think there will be a tipping point right now. It’s just the excitement of AI and computerized everything. But computers make mistakes. We see it every day. And I just, you know, be aware when you read something that if it seems like it’s absolutely perfectly written, it’s probably AI generated.
SPEAKER 20 :
And yes, I think people will be craving authenticity, which is what is so great. Lauren Fix, again, give us the information about your new shows and how people can find you.
SPEAKER 19 :
You can find me, all my information is at laurenfix.com, L-A-U-R-E-N-F-I-X.com. Car Coach Reports, you can find me either way. Just put me into any browser, you’ll find me. And our new radio show is called The Drive with Lauren and Carl. It airs on Saturdays and Sundays. We put up a video component of it on YouTube, but you can listen to it on YouTube podcasts as well. And it’s also, of course, on AM and FM radios. And maybe someday it’ll be on KLZ.
SPEAKER 20 :
Okay, well, great. Okay, well, Lorne Fix, have a great day, and we’ll talk with you next month. Thank you so much. Thank you. And our quote is a long one from Benjamin Rush regarding education. He said this, he was a letter to John Jay. He said, I consider knowledge to be the soul of a republic. And as the weak and the wicked are generally in alliance, as much care should be taken to diminish the number of the former as the latter. Education is the way to do this and nothing should be left undone to afford all ranks of people the means of obtaining a proper degree of it at a cheap and easy rate. So today, my friends, be grateful, read great books, think good thoughts, listen to beautiful music, communicate and listen well, live honestly and authentically, strive for high ideals, and like Superman, stand for truth, justice, and the American way. My friends, you are not alone. God bless you. God bless America. And stay tuned for our number two.
SPEAKER 08 :
Through the rain and lightning, wandering out into this great unknown. And I don’t want no one to cry. But tell them if I don’t survive.
SPEAKER 15 :
The views and opinions expressed on KLZ 560 are those of the speaker, commentators, hosts, their guests, and callers. They are not necessarily the views and opinions of Crawford Broadcasting or KLZ management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
SPEAKER 10 :
It’s the Kim Monson Show, analyzing the most important stories.
SPEAKER 20 :
The socialization of transportation, education, energy, housing, and water, what it means is that government controls it through rules and regulations.
SPEAKER 10 :
The latest in politics and world affairs.
SPEAKER 20 :
Under this guise of bipartisanship and nonpartisanship, it’s actually tapping down the truth.
SPEAKER 10 :
Today’s current opinions and ideas.
SPEAKER 20 :
On an equal field in the battle of ideas, mistruths and misconceptions is getting us into a world of hurt.
SPEAKER 10 :
Is it freedom or is it force? Let’s have a conversation.
SPEAKER 20 :
Indeed, let’s have a conversation. And welcome to our number two of the Kim Monson Show. Thank you so much for joining us. You each are treasured, you’re valued, you have purpose. Today, strive for excellence. Take care of your heart, your soul, your mind, and your body. My friends, we were made for this moment in history. And thank you to the team. That’s Producer Joe, Luke, Rachel, Zach, Echo, Charlie, Mike, Teresa, Amanda, and all the people here at Crawford Broadcasting. Happy Monday, Producer Joe. Happy Monday, Kim. And as you know, we search for truth and clarity by looking at these issues through the lens of freedom versus force, force versus freedom. If something’s a good idea, you should not have to force people to do it. And socialism ultimately comes down to force because, as Maggie Thatcher said, eventually with socialism, you run out of other people’s money. And when that happens, then socialism has to revert to force. So that’s why we have these discussions, because it’s not compassionate. It’s not altruistic. to take other people’s stuff, whether or not it’s their rights, their property, freedom, livelihood, opportunity, childhoods, or lives. Force can be a weapon, we know that, but it can be policy, unpredictable and excessive taxation, fear, coercion, government-induced inflation, the agenda pushed by the World Economic Forum and the globalist elites. So as if something’s a good idea, you should not have to use force to do it, to implement it on the show. We focus on the issues, not the personalities. We’ll mention the people that are pushing the issues, but we want to stay to the issues and try to keep all of that emotion out of there so that we can get real clarity with what we’re we’re looking at here. So that is our goal. First thing, our word of the day is penumbra. It’s P-E-N-U-M-B-R-A. And number one could be a partial shadow as in an eclipse between regions of complete shadow and complete illumination. Number two, it could be the diffuse outer part of a sunspot. Or number three, an area in which something exists to a lesser or uncertain degree. And I think right now there’s a penumbra of liberty that we, I think we think we have this illusion that we have liberty, which is the responsible exercise of freedom. But it’s really a penumbra. And that’s why we have to engage in these battle of ideas today. That is occurring in our country right now. Our quote of the day is from Benjamin Rush, born and he was a founding father, 1746, died in 1813. He signed the Declaration of Independence. He was a doctor and he really felt that in the Bill of Rights that we should, in addition to having religious freedom, we should also have medical freedom. All those many years ago and then fast forward to 2020 and COVID and we realized, yes, medical freedom is so important. But he said this and I chose this these education quotes because we’re doing part two of first grade with 97 year old. young Colonel Bill Rutledge as our featured guest in this hour. And so Benjamin Rush said this. He said, it is favorable to liberty. Freedom can exist only in the society of knowledge. Without learning, men are incapable of knowing their rights. And where learning is confined to a few people, liberty can be neither equal nor universal. And so it is so important that our kids know how to read and write and do arithmetic and have critical thinking. And that’s why education in America is so important. Let’s see, headlines. It looks like the government shut down. They’ve come to an agreement. which this has been so interesting. It’s been, I think, 40 days that we’ve had this government shut down. So it looks like they’ve come to an agreement on that. And then I thought the other very interesting headline was that the two top BBC bosses, this is from AP News, are resigning after criticism of the broadcaster’s editing of a Trump speech. And you can edit anything to get anybody to say anything, and then they use this to whip people up and give regarding January 6th. So this is super interesting. I think the great thing about it is as we continue to search for truth, the truth ultimately will shed the light and transparency on things. So we have to continue to do that. each and every day. And we do that here at the show because of all of your support and the support of really terrific sponsors. And one of those is Jody Henze with Mint Financial Strategies. We have her on the line. Happy Monday, Jody Henze. Good morning, Kim. Glad to be here. Good to have you as well. And somehow, Jody, my internal clock is back about the 4th of July, but really Thanksgiving is right around the corner, which means the year ends right around the corner. There’s some things people need to be thinking about, yes?
SPEAKER 11 :
Yeah, I mean, it seems like this year has flown by, but yeah, the end of the year is coming by quickly. So at Mint Financial, we’re starting to reach out to some of our clients and talking about year-end processing. And one of those things is required minimum distributions, or RMDs for short.
SPEAKER 20 :
Well, and I was thinking about this at Mint Financial Strategies, and people really need you on their side of the table because regular people just trying to do their finances on their own, they don’t know about all these ins and outs that they really do need to know about so that they’re doing the proper things. And that’s why working with you is so important, I think, Jodi.
SPEAKER 11 :
It is because the rules change constantly. In fact, RMDs, those rules changed a few years ago with the Secure Act 2.0 that passed a few years ago. And clients come in all the time and they say, aren’t I supposed to be taking that at 70 and a half? And I’m like, no, actually that changed. For people who are required to take those distributions, the rules actually changed and you’re supposed to take that starting at 73. So, if you’re not paying attention or if you don’t have a financial advisor that’s up to date with the regulations, you may not necessarily know what you’re supposed to be doing. And if you don’t take your RMD like you’re supposed to, the penalties are pretty hefty. It can be up to 25% of what you should have been taking that goes to the IRS in the form of a penalty.
SPEAKER 20 :
Wow. So this RMDs, is it IRAs or what plans do people need to be taking these RMDs from?
SPEAKER 11 :
That’s a great question. So it’s essentially any retirement account that you got a tax deduction on. So traditional IRAs, SEPs, SIMPLs, 401ks, 457s, inherited IRAs. Think of anything that you did not pay taxes on on the way in. Roth IRAs are really the only account that it does not apply to. So any account that you haven’t paid taxes on, you know, you got to pay the piper sometime. And so the IRS is knocking on your door at 73. Yeah.
SPEAKER 20 :
So can you take an RMD and put it into a Roth IRA? Because my understanding is a Roth IRA is the gains on that are, they’re not taxed.
SPEAKER 11 :
So is that a possibility? That is a great question. And the simple answer is no. You cannot take money out of an IRA and then simply move it into a Roth IRA with one exception. If you’re still working, you can make contributions to a Roth IRA, but it has to be contributions that come from employment income. So if you’re 73 and you’re still working at a job, you’re allowed to make Roth contributions, but those contributions have to come from employment income. They can’t come from your required minimum distribution.
SPEAKER 20 :
So what if you’re an entrepreneur and have a blend? So you’re self-employed. Could you, at the age of 73, could you then put money into a Roth IRA?
SPEAKER 11 :
You can, but you’re still subject to the annual limits. So the annual limits this year… are $7,000 if you’re under the age of 50, $8,000 per year max if you’re over the age of 50. So if your required minimum distribution is $10,000 and you want to use some of that to make a Roth contribution and you do have employment income, you can utilize that to make a Roth contribution, but you’re still subject to the annual limits.
SPEAKER 20 :
Boy, this is so complicated. That is why a specialist like you is so important, Jody Henzey.
SPEAKER 11 :
Yeah. And there’s a lot of tools and tricks, too, that we could use, like Roth conversions and those types of things. But it is complicated, like you said, Kim. So you definitely want to reach out to somebody who knows what they’re doing because there’s formulas that go into this. There’s percentages that you utilize to calculate your RMD. We haven’t even talked about inherited IRAs. So there’s other things that RMDs apply to, too. So I would encourage you, if you’re not working with somebody, You should definitely reach out to talk to somebody because there is a deadline, and the deadline is December 31st.
SPEAKER 20 :
And that somebody would be Jody Hinzey at Mint Financial Strategies. How can people reach you?
SPEAKER 11 :
Yeah, they can call me or text me at 303-285-3080. Again, that’s 303-285-3080. Or you can go out on the web, which is mintfs.com. That’s M-I-N-T, F as in financial, S as in strategies.com. Or you can email me. It’s Jody with a Y at mintfs.com.
SPEAKER 20 :
One other thing, Jodi, I’d recommend that people get on your newsletter. You do different fun events. How was the event just on Friday night for the Wealth and Women? How was that event?
SPEAKER 11 :
Oh, my goodness. We had about 50 people that came out for Women and Wealth. And we do Women and Wealth about three to four times per year along with other events. So we pretty much have at least one event going every month. Some are women-focused. Some are just general education-focused. But we have something going on about one time per month, so definitely check us out. We have those published on our website, so mintfs.com. Women & Wealth was amazing. We had about 50 ladies that came out. We were doing water painting. led by one of our own clients at Mint Financial, and it was a great time. It was super fun. People were creating little watercolors, and I think some of them are even going to use them for their Christmas cards.
SPEAKER 20 :
Oh, that is so cool. Well, and great. And people can find you again. What is that website? It’s mintfs.com. So mintfs, like financialstrategies.com. Jodi, thank you. We’ll talk with you in a couple of weeks, and have a great day. You too, Kim. Thanks. And I just am blessed to work with amazing sponsors. Another one of those great sponsors is the Roger Mangan State Farm Insurance Team, and they will respond to your caller text 24 hours a day, which really can give you a lot of peace of mind. That number to give them a call for a complimentary appointment is 303-795-8855. Like a good neighbor, the Roger Mangan Team is there.
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SPEAKER 17 :
There’s so much noise coming at us. Sometimes it is difficult to make sense of it all. How can you sift through the clamor for your attention and get to the truth? The Kim Monson Show is here to help. Kim searches for truth and clarity by examining issues through the lens of freedom versus force. Force vs. Freedom. Tune in to the Kim Monson Show each weekday, 6 to 8 a.m. with encores 1 to 2 p.m. and 10 to 11 p.m. on KLZ 560 AM, KLZ 100.7 FM. The KLZ website, the KLZ app, and Alexa. Play KLZ. Shows can also be found at KimMonson.com, Spotify, and iTunes.
SPEAKER 20 :
And welcome back to the Kim Monson Show. Check out our website. That is Kim Monson, M-O-N, S-O-N.com. Sign up for our weekly email newsletter while you’re there. That way you’ll find out what’s coming the next week at the show. I did want to say thank you to the Harris family for their gold sponsorship of the show. They’ve been great sponsors for many years and really do appreciate that. On the line with us is Colonel Bill Rutledge. He’s 97 years young. He has this amazing curiosity for people and places and history, and we are blessed that he shares all that with us. And we are going to do Part 2 of First Grade as we were getting into that last week. And let’s see, Part 1, what day was that? I need to take a quick look. Guys, Colonel Rutledge, what day was that? Was it Friday?
SPEAKER 05 :
I believe so.
SPEAKER 20 :
Yeah, okay, last Friday. So we decided to do, no, no, no, it was, no, it was last Wednesday. It was Wednesday the 5th. And so we wanted to do part two. But before we get into it, today is the Marines’ birthday. And I was out at the memorial for an event on Saturday afternoon in honor of Veterans Day. Highly recommend that people support the USMC Memorial Foundation. Particularly, we’re at Veterans Day right now. A great thing to do would be to show your support, make a contribution, buy a brick to honor your loved one’s military service. But more information on that is usmcmemorialfoundation.org. But you have a special story regarding the Marines. And happy birthday to the Marines, their 250th birthday today. So what’s that story, Colonel Rutledge?
SPEAKER 05 :
Well, I’ve always been very interested in the Marines, and semper fi to all you Marines who are out there, remember, once a Marine, always a Marine. I had the good fortune to be in Mexico City one time, and so I finally learned that that was the halls of Montezuma. But we know from the Marine hymn, The shores of Tripoli is a part of that same song. So I was sent for duty to Tripoli when I was stationed in Europe years ago. And our base was about 10 miles out. And I wanted to go see the shores. Nobody else could care less. So I hired a taxi to take me. And I said, I want you to take me down to the beach. And I want to be very close to where your normal port is. so I can see where action was in the early 1800s when our Marines were fighting the pirates in that area. And it was great. It was a good experience. And I doubt if there are very few people who have ever done both. Tripoli is not very accessible, and it hasn’t been for the last 50 years. So I got in there just before they made a change of government.
SPEAKER 20 :
And so you’ve been to the halls of Montezuma and the shores of Tripoli, which that is pretty remarkable, which that’s part of the Marine hymn. So let’s talk about Bill Rutledge, 1934, 1935, first grade. We talked a bit about it last week. You had said that during the COVID-19 school shutdown that you reached out to the local school superintendent, which was a Poudre school district, isn’t it?
SPEAKER 05 :
Yes, Porter School District 1.
SPEAKER 20 :
And said, gosh, this is, I’m paraphrasing, this is a travesty. Children need to not be masked. Teachers should not be masked. They should be able to see the interactions. And that’s where children really learn. And you talked about first grade. Also, we talked about vaccines, these on this huge vaccine schedule that we now have for children. And by the time you got into school, you’d already had measles, whooping cough, chickenpox and scarlet fever. I had had, let’s see, the measles, the chickenpox and the mumps. By the time I was probably in second grade, so I had natural immunity to all that stuff. So those were some of the things that we covered. And people can find a podcast of the show at my website that it was Wednesday the 5th or on Spotify and iTunes. And anything else you want to give as a synopsis for what we talked about last week?
SPEAKER 05 :
I should give a little preface as to where the school was for some who were not here last week. The school is in Russell, Kentucky, very small railroad town right on the Ohio River and about 2000 people. So very small. But it might relate to many of the listeners who are older, who also came from small towns. And so this was sort of the background of the school. And we met our teacher, Ms. Duncan, the week before school started. And we visited the classroom. So we knew what to do on the first day. We came in, and there was no kindergarten, and there was no preschool. So we were starting from scratch. And some children could read a little bit. Most of them could sing some songs. There’d been a lot of social play between most of the students because we knew most of our fellow students of about 20 because it’s such a small area. And we came in and we were seated and Ms. Duncan said, well, I’ll make a permanent scene assignment tomorrow. But she said, we will open each morning’s program tomorrow. We will do the Pledge of Allegiance. Well, we had never heard of that before. So consequently, she had had a big sign up near the blackboard where she had spelled it all out. She said, now, I know that you most of you cannot read this. So I want you to repeat after me. And what we’ll do whenever we do this, we’ll stand up. Now, at that time, they had not changed the basic law to put your hand over your heart. That was done not until after I was out of school. But the basic pledge is today what it was changed to in 1924. So she said, please repeat after me. And then she did it slowly. I pledge allegiance to the flag of the United States of America and to the republic for which it stands, one nation, indivisible, with liberty and justice for all. And she didn’t try to given a great explanation about it, but she did this so that we would start learning to associate what we were saying with what was written. And we were, of course, facing not only the sign which she had prepared, but also the flag was in the corner in that area. And so that was our routine. Now, some classes, even back there, in addition, used to have some religious comments. Some might say a prayer, or some might repeat something from maybe the Old Testament, one of the various poems that are in there. But that was not common at Russell. It later was when I was in Florida. So we began that way. And so she’s starting from scratch. She knows that we’ve been conversing with one another for two or three years. She knows that we like to sing. But we can’t read. Now, a few children may have. This was before the emphasis on homeschooling. It was during the economic depression period. Most of these were mothers who had lived at home, and most of them had more than one child. I was sort of unique in that I was one of the few only children in the class. And when we came in for the second day, we had gotten our permanent seating assignments, and Ms. Duncan, even though it was the first year she was teaching, She placed her students where she thought they would be best, but she would move them around from time to time so that she could give more attention to those who were having a more difficult time transitioning or having some particular blocks that they just weren’t familiar with.
SPEAKER 20 :
And sometimes, Colonel Rutledge, teachers need to separate kids who may, instead of learning, may find the other one pretty funny or whatever. So seating assignments are pretty important.
SPEAKER 05 :
Yes, and that continued from my experience in public school all the way through high school. It wasn’t unique to the first grade, but it certainly started at the first grade. And she would have the people, each of the students, stand up in place where they were and give the person their name. Now, we didn’t use the last names because people couldn’t remember them then much better than I can today. But they could remember first names. And so we would do that. And so we would associate the name of the people. some of whom we had not met before. But our first priority was to concentrate on the alphabet because reading was the first element that’s so essential. The writing could come later. The arithmetic could come later. And we would do all of that during the first grade, some of it. But the first thing… We have to learn the alphabet, 26 letters, and we have to learn how to pronounce them. Many of the people had never seen some of these letters before. Some pronounced them improperly. Ms. Duncan was very good in elocution. She was specific in wanting us to pronounce things properly, and so she would go over these things with us. We had much repetition in so many areas, and there was a lot of group repetition. Some of that was so as to minimize the embarrassment of some of the children who’d never done anything like that before, who felt ill at ease being centered to be speaking out. So she… She had a great feel for young children.
SPEAKER 20 :
It sounds to me, Colonel Rutledge, like she was really trying to set each of these students up for success, which that is what the great teachers that I have known and know is they want to set up each child successfully. for success we’re going to go to break i’m talking with colonel colonel bill rutledge regarding first grade back in 1934-35 these discussions happened because of all of your support and i thank you and all of our great sponsors and alicia garcia and teddy collins at the second syndicate are doing such great work to bring voices together to protect our our right to keep and bear firearms
SPEAKER 18 :
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SPEAKER 01 :
All Kim’s sponsors are an inclusive partnership with Kim and are not affiliated with or in partnership with KLZ or Crawford Broadcasting. If you would like to support the work of The Kim Monson Show and grow your business, contact Kim at her website, kimmonson.com. That’s Kim Monson, M-O-N-S-O-N dot com.
SPEAKER 20 :
Welcome back to the Kim Monson Show. Be sure and check out our website. That is KimMonson, M-O-N-S-O-N.com. Text line is 720-605-0647. I do want to hear from you. I wanted to mention Hooters Restaurants, which has been great sponsors of my show, both shows, America’s Veterans Stories and the Kim Monson Show, for many years, how I got to know them. It’s a very important story that we are seeing play out in city councils and county government across Colorado, and that is where… uh the government the elected representatives forget that they are to stay out of the way of people going after their hopes and dreams and so that story is at my website but hooters restaurants has three locations in loveland westminster and in aurora great specials monday through friday for lunch and happy hour to watch all the games and really do appreciate them on the line with me is 97 year young Colonel Bill Rutledge, who has such a curiosity for people and places in history. A perfect example was when he was in Tripoli. He hired a cab driver to take him down to the shores of Tripoli, which is in the Marine Hymn, to see to see that. And so that’s why he’s such a wealth of knowledge and he shares it with us. And I so appreciate that. So, Colonel Rutledge, we’re talking about first grade. And this precipitated really from your concern during COVID that kids were being masked in first grade and they were not really at much risk of contracting COVID. The teacher was masked as well. And you explained how important it is to read and how Miss Duncan had helped with the pronunciation of each of the letters. And I’m sure kids were watching how she was speaking that. And so that was so critical to learning to read. And then fast forward to 2020, we’re masking kids on that. So that’s really what precipitated this conversation. So we were talking about the importance of reading And a benchmark is if kids are able to read by third grade, it kind of sets them up for success. So this is absolutely important. And in Colorado, we are letting our kids down. There are some school districts, the best school districts are probably at 50 percent of kids being proficient in reading at the school. by third grade. That is dismal, and we’re setting kids up for, we’re setting 50% of the kids up for real challenges in life. So reading is so important. So continue to tell us how Ms. Duncan helped you all learn to read.
SPEAKER 05 :
Well, first of all, she, in those days we had blackboards, not whiteboards. You used chalk, and you had an eraser, and And it was a different world as far as training aids. But there was not much else in the room. It was mostly the blackboard, the chalk, and her conversing with us on general areas. But we also did so much repetition. we had to learn the ABCs. But we didn’t even know what an A or a B or a C might even look like. Some of our children didn’t. So we had to start from the basics. So she would put all these letters up, and then she found that we can learn some of these things and memorize them, even at that age, if we do things with music. And And on learning our alphabet, I can remember still what we did. And what it was, it was in sequence. And we’d do it with a little tune. And it’d go A, B, C, D, E, F, G, H, I, J, K, L, M, N, O, P, Q, R, S, T, U, V, W, X, Y, Z. So we’d do this, and then we’d learn the sound of it and the pronunciation. And then she would put these things on the board, and then she would point to them as we would sing along. We did this also in arithmetic to learn how to count. What was funny there, we were learning to count from 1 to 10, realizing that then we could easily transition to the higher numbers of 10s, 20s, 30s, etc. But we had a small song that we learned, and it was called Ten Little Indian Boys. And it was used in a lot of schools. No deference to the Indians, it was just something that had been written, and it was easy, and it started off 1 little, 2 little, 3 little Indians, 4 little, 5 little, 6 little Indians, 7 little, 8 little, 9 little Indians, 10 little Indian boys. And it will reverse. 10 little, 9 little, 8 little Indians, 7 little, 6 little, 5 little Indians, 4 little, 3 little, 2 little Indians, 1 little Indian boy. So now we are counting to 10 forward and backwards.
SPEAKER 20 :
Colonel Rutledge, as you were singing that, I learned that song too. Now, I’m sure it’s totally politically incorrect, but in the meantime, a lot of the little kids still, they can’t count. So that’s really important, but I remember that. And then what about the reading book that you all had?
SPEAKER 05 :
Yes. Well, everybody that I can think of had a book, a reading book called Dick and Jane. This was usually the first reader. And of course, it was about those two children. It was highly illustrated. Now, some teachers say, well, this is not right. You don’t need to have it illustrated. I disagree with them because the illustrations help them associate the words and the action. And they started learning a meaning in it and why words and the colorful things that were going on. was helpful in them being able and wanting to read. Now, many of us, before we went to first grade and we couldn’t read, in those days it was very common for families to get the newspaper. And it was a daily paper, and they were very cheap in those days. And they always had a comic section. And we always called it the funny paper. And our parents would read it to us. But it was always illustrated. And you had things like the cats and jammer kids and other things that we got to know. And you’re following a story. And it’s depicted. It has very few words. But your mother or your father goes along and tells a story to you. It’s to create an interest in reading. And the same thing was true in Dick and Jane. Each chapter in Dick and Jane would be different. One we all remember is them going up the hill and falling down the hill with a pail of water. These were all parts of the book. Of course, after a few months… you would have gone all through Dick and Jane as far as that book, and then they would give you another book a little more complicated, perhaps slightly less illustrated, but certainly very simple words. Now, one thing that Ms. Duncan understood very clearly was that we needed to learn to speak and repeat words that were in common use by people that are of our age. And we need to learn how to write things, again, for the people at first grade level. And one of the things very early on was she showed us how the difference between capital letters and lowercase letters And so on every single paper that we would write and give to Miss Duncan, we would always put our name on the top of the paper, upper right-hand corner. And you’d put your first name only. So I would write on there, Billy, and with a capital B. And this was a routine. And then from this situation, she could use illustrations. about what things needed to be capitaled and what were lowercase and a digression slightly on that. It has nothing to do with directly her, but it’s referencing your computer right today. When somebody asks you what your computer address is, Well, you say it’s so-and-so, and then they’ll say uppercase or lowercase. Uppercase or capitals, lowercase or not. And that same concept was done there. We didn’t use the term, but it dates all the way back to the early 1700s when Benjamin Franklin was a printer. Uppercase was where the capital letters were put. In the lower part of the case were the lower number. So sometimes we’ve got something that dates over 200 years. In this case, almost 300 years.
SPEAKER 20 :
Wow. That’s amazing. We’re going to go to break. We’re talking with Colonel Bill Rutledge, 97 years young, about first grade back in 1934-35. And these are such fascinating discussions. And we have them because of our sponsors. If you’ve been injured, you’ll want to talk with John Bozen and Bozen Law.
SPEAKER 03 :
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SPEAKER 13 :
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SPEAKER 20 :
And welcome back to the Kim Monson Show. Check out our website. That is KimMonson, M-O-N-S-O-N.com. And happy birthday to the Marines. Their birthday is November 10, 1775. There was a lot going on in America in 1775. And I think we are in our 1775 moment here in our country as well. We are in a huge moment. battle of ideas. And I wanted to mention the Center for American Values, which is located in Pueblo on the Riverwalk. They’re doing amazing work. They’re non-political, non-partisan, but focused on these foundational principles of honor, integrity, and patriotism. You can find out all that they do and support them by going to AmericanValueCenter.org. That’s AmericanValueCenter.org. We’re talking with 97-year-young Colonel Bill Rutledge about third grade and And by the time, excuse me, not third grade, first grade. By the time kids got through first grade, they should have had foundational understanding and skills in reading, writing, and arithmetic. Correct, Colonel Rutledge?
SPEAKER 05 :
That’s correct. They would learn. Some adding, some subtracting. They would not do dividing and multiplying until the second grade. And in the third grade, they would do fractions and numerals. So we’ll stick with the first grade right for the moment. But one thing they all had, we always got report cards. And the report cards were done every six weeks. And I reviewed some of mine last week just to see what the requirements on there were. And there were so many subjective comments that I’m going to read a few to think that the teacher had to make an evaluation on all of these. And many of them were very subjective on her part. One, it starts off with conduct. Very obvious there. Effort. Spelling, reading, penmanship, arithmetic, language, health, drawing, music, attendance, and average. I can’t conceive of that responsibility of a 22-year-old lady making all of those evaluations. But listen how rigid the grading was, though. To get an A, you had to have 95 to 100, which was called excellent. B was 90 to 95, and that was considered good. Then 80 to 90 was considered average. D was 75, 80 for inferior. And E was was 70 to 74 for conditional, and an F was below 70 in failure.
SPEAKER 20 :
By the time I was in first grade, they’d adjusted that to an F was 60% or lower.
SPEAKER 05 :
So much of this was long gone by the time I got there. to fourth or fifth grade. And, of course, when I moved to a different school district from Kentucky to Florida, you didn’t have all of this. You had some of these comments. But one of the reasons for so many comments at this early stage was really to outline the child’s capability and their association with other children It was a personality evaluation as well as an academic evaluation. So she had to make a lot of decisions. In some cases, it would have a bearing on where she would move students for those who had greater need for more personal attention. And maybe there was a strategic situation where she would want someone who was more assertive, to be in a particular place so others might follow them, and those that were less inclined to speak, they’d have to move up, too. So she used very great discretion because I felt that most of the students in our class made good progress, and in all honesty, every one of those children moved forward the next grade, and it was superb. Now, she liked music, and the children all liked music. And I think we’ve got just about enough time to talk about the music. Yes. So what Ms. Duncan did, she did something that was novel. She decided she was going to create a band, a toy band. And so we didn’t know what she was talking about. Nobody else did in the school either. Right. So what she did, she got some of these little small instruments. She did get a drum, and it was very small. And then several tambourines, which you shake and make noise. And wood blocks. These would be a piece of wood that was hollow in one end, so it would make a different sound. And then wood sticks. It would just be two sticks banging together in a triangle where somebody would have a little metal piece in their hand, and the triangle would be suspended, so it would give a tinkling sound. And then there would be bells and some sort of a horn, perhaps. And this was designed… to get more people to participate. And it wasn’t where you could carry a particular tune. It was making music and getting involvement and having people do things in public before others. So these… Miss Duncan would assign who would get which of these. And then there was one person who was assigned to be the, well, I said the drum leader here. Because we actually did a march. We were in a parade. And this was on May Day. And May Day used to be a very big holiday where there was what was called a Maypole in the park. And it had ribbons coming down. And the young ladies, the girls, would go, each one get a hold of one of the ribbons and walk around to a tune. Thank goodness the tune was not what the band was putting out, because that was not very entertaining. But it made noise, and we were in the parade. And we actually had a leader… who had a big, tall, white hat. And the mother had made the costumes, and the children had little cams that were red, and then they had mostly light-colored clothes that they would wear that day. If they had white, they would do that. And the leader’s hat was made out of cardboard, a big, tall thing, and it was covered with white cloth. And I know because I wore it, and my mother made it. And it was funny. My only role was to walk in front of the others, and then when we were supposed to be in concert, which was bizarre, we would be in a formation where nobody was moving, and I was supposed to point with a stick towards who was supposed to do what. For the people, I can understand now when parents would go to these events that there was so much laughing because everybody was self-conscious. But nevertheless, it was, I’ve never seen one like this before or since. But she thought we were getting all involved, and she liked it.
SPEAKER 20 :
Oh, that is so great. We have about a minute left. So all 20 students got promoted to go to second grade. And what happened in second grade?
SPEAKER 05 :
In second grade, the important thing was Ms. Duncan came with us. And in second grade, we were upgrading things. And like I mentioned in arithmetic, now we’re going to learn how to multiply and divide and divide. she’s starting to teach you the difference in words. Even then, they started talking about what was a verb and what was a noun. Because those were the simplest way to start. The noun was a person, place, or thing. And verb was action. And she would give illustrations and let people try to come up with some of their ideas and use the blackboard. And also, one of the things she did to spur our enthusiasm on numbers, she just put a number arbitrarily, a two-digit number on the board. And somebody’s supposed to answer just like that real quick. She’d put two letters, and that was 85. And then maybe the next would be 22. That’s awesome. So it’s a matter of challenge.
SPEAKER 20 :
Well, we’re out of time. Colonel Rutledge, thank you. And we in 2025 America need to make sure that we are getting our kids these foundational things in their education. Colonel Rutledge, we will talk again soon. Have a great day.
SPEAKER 05 :
And thank you. And Semper Fi.
SPEAKER 20 :
Haha. And our quote for the end of the show is from Benjamin Rush, founding father. He said, I consider knowledge to be the soul of a republic. And as the weak and the wicked are generally in alliance, as much care should be taken to diminish the number of the former as of the latter. Education is the way to do this and nothing should be left undone to afford all ranks of people the means of obtaining a proper degree of it at a cheap and easy rate. So my friends today, be grateful, read great books, think good thoughts, listen to beautiful music, communicate and listen well, live honestly and authentically, strive for high ideals, and like Superman, stand for truth, justice, and the American way. My friends, you are not alone. God bless you, and God bless America.
SPEAKER 08 :
But tell them if I don’t survive
SPEAKER 15 :
The views and opinions expressed on KLZ 560 are those of the speaker, commentators, hosts, their guests, and callers. They are not necessarily the views and opinions of Crawford Broadcasting or KLZ management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
