November 9, 2025 • 26 mins
This week’s episode is a wild ride: Florida is about to plunge into the 30s, Dick Cheney has passed away, and NYC voters just elected Mamdani as mayor in a political shockwave. We’re now 40 days into the government shutdown and the airlines are melting down. Kim Kardashian might actually become a lawyer, Fannie Mae is scrapping the 620 middle-score requirement, and Washington is floating a 50-year mortgage that could permanently reshape homeownership. Meanwhile, The Blaze is reporting that the mysterious J6 bomber may have been a former Capitol Police officer, and a new tariff proposal could send a $2,000 annual dividend to every American. Plus: new claims that Epstein was offered a plea deal to implicate Trump, the latest 3I Atlas drop for December 19, Pope Leo’s declaration that Jesus alone saved the world (sorry, Mary-co-redeemer crowd), and—yes—the Louvre’s security password was literally “Louvre LOL.” Strap in. This episode has everything.
Become a supporter of this podcast: https://www.spreaker.com/podcast/jim-paris-live-james-l-paris--6441544/support.
Become a supporter of this podcast: https://www.spreaker.com/podcast/jim-paris-live-james-l-paris--6441544/support.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:08):
Gentlemen, start your engines. Mister Garbashow teared down this wall.
The only thing we have to bear. Spare it By'm
not a croup. If you like your healthcare plan, you will.
Speaker 2 (00:28):
Be on to keep your healthcare plans.
Speaker 1 (00:32):
I sick f R three. Why fire? You're listening to
Jim Paris Live. Your source for the latest news on money, politics, prophecy,
and preparedness, and now your host, the editor in chief
(00:54):
of Christian Money dot com and the author of more
than thirty books. Jim Paris.
Speaker 2 (01:00):
All right, hello everybody, and welcome to the broadcast. Great
to be back with you. We have just had some
really weird weather here in Florida. It's going to be
in the thirties this week, can you believe that? And
something that's crazy about Florida weather is this whole idea
of falling iguanas. And it almost sounds like a joke,
(01:24):
but it's true. When the temperatures get below freezing, these
iguanas they can actually like go into a state of hibernation.
And then whether in this state of hibernation they can
actually be frozen solid and they fall out of trees
and actually really hurt people. I mean because some of
(01:45):
these are big. If you've traveled to South Florida and
seen some of the cities where these iguanas run free,
some of them are the size of a small dog.
So they're actually not only warning about the Florida getting
into the thirties this week, but also so they're worrying
about falling iguanas. Yeah, it was a weird day today.
(02:05):
It's been pleasant the last maybe week and a half
two weeks, kind of in the fifties and sixties at
night and then in the seventies during the day, just
you know, a perfect kind of fall weather. But we've
been having these episodes like today this afternoon it just
started raining, like torrential downpour with lightning in the whole
(02:26):
nine yards And we don't usually get that kind of
rain storm during this time of year. That's something usually,
you know, we get that in the summer when there's
high heat and humidity and all that you get almost
like an afternoon shower like that, these really significant thunderstorms.
But just a couple of weeks ago, we had just
massive flooding throughout central Florida, some areas getting over twenty
(02:49):
inches of rain. So just some weird stuff going on
and it's going to be in the thirties this week,
so bundle up, kids. Well, on a somber note, the
death of Dick Cheney, who really did have a remarkable
life and career. I was reading that he became chief
of staff. I believe it was for It wasn't for Nixon.
(03:12):
It was for let's see here for Gerald Ford. He
was his chief of staff at the age of thirty four. Crazy.
Then of course he had all kinds of top positions
and government all the way up the vice president under
George W. Bush, the son. But then it got kind
of weird right in the Trump years. And the last
(03:32):
we heard was that Dick Cheney voted for Kamala Harris
to cast a vote against Trump. And of course his
daughter Liz Cheney was, you know, anti Trump, you know,
the whole run, the first election and then the second
Trump race as well. So Dick Cheney passing away this week.
(03:53):
I don't know how long he lived after he had
a heart transplant. It was a really long time though.
I'm just going to look it up here really quick
ause now I'm really curious how long did Dick Cheney
live after heart transplant? You gotta love the internet, right chat,
(04:15):
GPT and all that. I hope I get the right
answer here. I'm pretty sure I remember him. Oh yeah,
it says he had a heart transplant in twenty twelve
at the age of seventy one. So he lived nearly
fourteen years with a heart transplant. That's pretty remarkable, just
(04:36):
medically speaking, for someone to live that long. Of course,
if you're a former vice president, I'm sure you're getting
much better healthcare than the rest of us, just guessing.
And then the other big news this week is this
mom Donnie winning the New York City mayoral race, which
really comes as no surprise. This was expected, and it
(04:59):
was kind of a weird race where we even had
Trump kind of quasi endorsing Andrew Cuomo, who was a
trained wreck as governor, you know, back in all the
stuff he did during COVID and all of that, but
he was being suggested by Trump as maybe like a
lesser of two evils, and Curtis Sleewell he was in
(05:22):
the race as well, and so you had kind of
this three way split ticket and ends up that Mom Damie,
who is like actually himself considers himself a socialist, who
he also does have views that you could really really
closely compared to communism, and over the years just has
(05:43):
a lot of really far out, far far left ideas,
including defunding the police and so forth. So we're just
gonna have to watch this now and see what happens.
And I believe he is only like in his mid thirties,
so he's a young guy, has a long future ahead
(06:03):
of him in politics, and it's just crazy to see
someone this far left win the New York City mayoral race.
I mean, New York is liberal, we all know that,
but it's not California, right, at least we didn't think
it was. This is even further left than California. So
we're just gonna have to see what happens. Some people
say it's good news because we're you know, New York's
(06:25):
gonna get what they what they wanted, and they're gonna
get to see what this now means. So it's going
to be very, very fascinating to watch. So we talked
about the government shut down the last episode we did.
The government had been shut down thirty four days, which
was one day short of tying the all time record.
Now we are in record territory. The government has been
(06:47):
shut down for forty days, and there are huge consequences,
including the airports are a complete mess. The air traffic
controllers aren't getting paid, so there's a complete mess at
the airports. People are waiting hours, flights are being canceled.
Now the SNAP program, so called food stamps, people aren't
(07:08):
getting their SNAP or their food stamps, so that's another
kind of a crisis going. I did read just moments
ago that it appears that Democrats are close to signing
a stopgap measure that would at least provide funding for
these very essential services, you know, the TSA workers, the
air traffic controllers, to fund the SNAP program, things like that.
(07:33):
But it is interesting how the Democrats are clearly trying
to use this shutdown as leverage for some of their
you know, most you know, pet projects, including you know,
this wide wide access for people that are not even
legally citizens to have access to Obamacare. But we'll have
(07:54):
to see what happens with this. I think it may
have just reached that point that even the most hardcore
Democrats are saying, eh, we just this doesn't look good.
This does not look good for us, So we've got
to reopen the government at least you know, pay these
essential workers and services. Kim Kardashian. Yes, that Kim Kardashian
(08:18):
is apparently trying to become a lawyer. And it is
interesting because I was involved with a California law study
program at one time. It was long long ago, maybe
in the late nineties. They have an interesting setup there
where you have to have I think it's at least
(08:39):
sixty college credits and then you're allowed to actually go
to law school and you can go to law school
in person in California for the three years, or you
can go through a program where you're like being supervised
by a lawyer or by a judge, and that program
requires that you take a first year bar again like
(09:00):
they called the baby bar. So apparently she is taking
the baby bar and passed it from what I read,
And she did actually get to the point of being
able to take the final bar, but did not pass it.
So Kim Kardashian, of course, her father was a lawyer.
He was involved with the oj trial. Following the footsteps
(09:20):
of her father. I had no idea that Kim Kardashian
was working towards becoming a lawyer. So maybe I'll see
her someday in court. Wouldn't that be interesting? Oh man?
So everybody's trying to figure out what can we do
to get real estate moving again. And look, here's the
bottom line. It's not going to happen until we get
(09:43):
those lower interest rates again. When I say lower, I
mean people need to be able to get a four
percent mortgage again. That's what it's gonna take. We don't
really need to get down to three percent or two percent.
That would be great, that would be fantastic, But get
us back in the forest again, you're going to see
the real estate market pick up. So one of the
ideas that Trump administration is looking at is a fifty
(10:04):
year mortgage and I have run the numbers on it,
and it doesn't make any sense. It really doesn't. It
sounds like it would be a big savings But here's
the thing. If you understand money and amortization and compound
interest in all of those things, for example, you'll notice
that the payment between a fifteen year and a thirty
(10:27):
year mortgage is not that big of a difference like
you would think, Oh, I'm gonna take thirty years to
pay this mortgage off instead of just fifteen. So that's
gonna be double the payment. No, it's only the increase
in payment for a fifteen year mortgage is only about
about eighteen or twenty percent more of a payment. So
(10:48):
make the math simple. Let's say your payment would normally
be one thousand dollars on a thirty year mortgage. By
going down to a fifteen year, maybe your payment will
be twelve hundred dollars. So those same kind of smaller
differences even get smaller and smaller as you go further out.
And so we we put some numbers up on Facebook
(11:09):
last night showing people I think I use the example
of a two hundred and fifty thousand dollars house, and
by jumping it from a thirty year to a fifty
year mortgage, the payment difference is going to be like
seventy five bucks a month. This is not gonna make
that big of a difference. Now, if you're not a
financial person and you don't run the numbers, you would
(11:31):
think it would make a big difference. I mean, hey,
I'm paying a thirty year mortgage. Well what if I
get a fifty year It's gonna make my payment so
much less. I'm gonna be able to save half off
my payment. It's not even close. It is a tiny,
tiny difference in payment. So I don't think that's gonna
it's not gonna help us. I don't think that's where
we're gonna find the answer. It's got to be in
(11:53):
overall lower rates. And on the subject of mortgages, we
got news over the weekend that Fannie May is going
to get away from a minimum credit score. So this
is what we call a so called conventional mortgage. You've
got Fannie May and Freddie Max. So Fannie May is
(12:13):
where a lot of mortgages, you know, are funded through.
This is a quasi government agency. They're partly owned by
the government, partly privatized. Kind of a kind of an
interesting uh mix there, the way that the organization is
actually set up. In any case, it's it's kind of
(12:34):
been a standard for us in the mortgage industry. And
by the way, I still am working in mortgages even
though I'm in law school. This idea of a six
to twenty middle score, and as we go to different
seminars and trainings and conferences, it always comes back to
kind of this gold standard of the six to twenty
credit score. You know, that is you have three credit
(12:55):
scores three credit bureaus, the middle score, that is, we
throw at the lowest, we throw at the highest. That
middle score has got to be a six to twenty
generally for us to look at you as as like
a conventional typical mortgage six twenty or higher. When you
get below the six twenty, you get into what we
(13:16):
used to call subprime. There's different names that people use
for it now, but these are the mortgages that are
not funded, you know, through Fanny made. These are a
little bit you know, we've got to go FAHA, which
has a lot higher fees. It's not as good of
a deal. So this is actually good news for people
trying to get a mortgage. But you have to look
(13:38):
beyond the credit score, because this is what I always
tell people. It's not just your credit score being low
that might blow up your chances of getting a mortgage.
It's the backstory. You know, why is your credit score low?
So if you have a six twenty, or let's drop
it down to a six hundred now that they've made
this change. So let's say got a six hundred, and
(14:01):
you got a six hundred because maybe a lot of
bad stuff happened with your finances five years ago or
ten years ago and you haven't really opened up a
lot of newer credit, then you're probably gonna be okay.
But if your score is a six hundred, because you've
got a bunch of recent things like late payments and
charge offs and collections that happened in the last year
(14:22):
or two, just having a minimum score isn't going to
save you. So that's why it's important to work with
a mortgage loan officer that really does understand credit in
all of that, because there's a lot more nuanced to
it than just the score. And of course all of
you know. I wrote the book on credit Scoring, Credit
Scoring Secrets, which is available on Amazon as an audible book,
(14:45):
an ebook, and a printed out book. But yeah, still
doing mortgages if you want to talk about that. I
am licensed in a number of states, but I also
am able to help you if you are not in
my license states by referring to you one of referring
you to one of my team members. You can reach
out to me James Alpeis at gmail dot com. There's
(15:10):
an interesting story on the Blaze. This is Glenn Beck's website,
and they're saying that there is a something like a
ninety four percent forensic match for what they call the
gate g ai T this is the way a person walks,
and this can become almost like a digital like your
(15:35):
like your fingerprint, but it's how you walk your gate.
That they have used this software and a video of
this so called January sixth bomber, and they're saying with
ninety four percent probability using this analysis of the gate
of the walking of this person, that it's not four
(16:00):
percent likely that it was a particular Capital Police officer.
And we I don't think they're giving the name out yet,
but as we have peeled the layers of the onion
to see how many embedded FBI agents were involved with
January sixth, how the Capitol Police took those barricades down
(16:24):
and let people in, it's starting to really really look fishy,
isn't it. It really is. And this would be kind
of the ultimate smoking gun of all things if one
of their very own was involved with what would be
the most egregious thing that happened as part of that
(16:47):
whole day, the planting of bombs. All Right, this whole
controversy of these tariffs, I'm not personally seeing any effects
from it in my life. I mean, the idea was
that everything is going to become so expensive you won't
(17:07):
be able to afford anything anymore. I'm not seeing it,
and maybe it's not yet to be seen. But something
really cool is coming out of this, which is Trump
is saying every American is going to be paid possibly
a two thousand dollars dividend. So this is almost like
a stimulus, but the money will be coming from these tariffs,
(17:29):
and I think this is really fantastic. I don't know
if any of you are familiar with in Alaska, actually Alaskans,
instead of like paying a property tax each year, if
you own land in Alaska, you actually get paid money
a dividend from the fees they charge the companies that
are there harvesting the oil. They pay a dividend to
(17:52):
the landowners in Alaska. Now this is kind of along
those lines. How cool would it be if in the
next month or two we all got two thousand dollars?
And Trump mentioned this plan over the weekend, and he
says that super high income earners are going to be
excluded from this plan, but a little bit of like
(18:13):
a stimulus check two thousand dollars dividend from the tariffs.
I love it. And this story really, man, I'll tell
you what. Trump has had the world against him, and
this story really rocked my world. If it's true that
Jeffrey Epstein was supposedly offered a plea deal that he
(18:35):
could walk free if he could simply provide the evidence
for the government to implicate Trump in what he was doing,
you know, with his sex trafficking. And there's that story
I have posted on my Facebook and have it linked.
Check that out. I'm very, very fascinated by that, and
(18:58):
in particular that Epstein wouldn't do it. He said, no,
Trump wasn't involved in I'm not doing it. And he
ended up, of course, as the News reported, taking his
own life, which a lot of people are suspicious of
that whole situation. But that's another story to take a
(19:18):
look at. And this story, I've been getting kind of
a range of reactions. Some people think I'm completely nuts,
which is possibly true. The three I Atlas I believe,
or is it the three to one outles? I believe
it's the three Eye Atlas. It is an object in
(19:39):
space the size of Manhattan, the size of New York
City that is going to make its closest approach to
Earth on December nineteenth, and this is still like over
one hundred miles away, but that's actually close in space terms.
And there is a lot of speculation about what is
(19:59):
this thing, And in particular, there's one Harvard scientist who's
saying that the way it is moving, it's speeding up
and then slowing down, and it's emitting different colors. This
is like something they've never seen before. And this one
Harvard scientist is actually saying that there's a forty percent
(20:20):
chance this could be some kind of an alien spacecraft.
Isn't this crazy? And of course on this program before
we have talked about la Marzouli, and he's been with
us as a guest many times talking about how in
the very end times, one of his theories is that
there could be a great delusion, which involves a UFO
(20:44):
where people are convinced that there is no God. And
I find that to be a very interesting theory. And
here we are looking at this strange object. Who knows
what it is, but apparently we might know more by
December nineteenth. And in fact, there's a lot of people
(21:05):
demanding that NASA release more information about this thing that
I guess they have pictures and more close ups, a
video and all that than what they're releasing. And people
are saying, what are you hiding, NASA? If this is
just a space rock, we want to get all the details,
spill the tea and NASA is apparently holding a lot back.
(21:27):
So the new pope, his name is Pope Leo, and
he came out with something that I absolutely I was
stunned by this and I absolutely love this. Pope Leo
says that Jesus alone saved the world. Mary was not
a co redeemer. Now, let me give you some context
(21:51):
for this. I grew up in the Southwest suburbs of Chicago.
I grew up one block from one of the largest
Catholic churches in the suburbs of Chicago. Most of my
neighbors were staunch Catholics and actually bought a house in
my neighborhood so they could be close to that church
(22:14):
and actually walk to that church. And this was a
big problem for me growing up as a Protestant, as
an Evangelical Christian, the position, especially back in those days
We're talking late sixties throughout the seventies, where especially in Chicago,
(22:34):
the mother of Jesus was given almost an equal status
with Jesus. And this idea that Mary was part of
people's salvation and people would pray to marry for their salvation,
then they would pray to Mary like they would pray
to Jesus. This was a huge problem. It was probably
the biggest point of division theologically between Protestants and Catholics.
(23:00):
And now look at this, Pope Leo says, Jesus alone
saved the world. Mary was not a co redeemer. I
love this, I absolutely love to see this clearly more
biblical position to be taken about Mary, the mother of Jesus,
(23:20):
who was obviously chosen. So she was unbelievably special person
that was chosen to give birth to Jesus. So we
don't want to take away any of the significance of that.
And she's clearly one of the most important figures in
all of the Bible. I mean, for goodness sake, the
mother of Jesus. But to elevateor beyond that into some
(23:44):
type of a deity, that's where the Catholic faith really
jumped the shark and went off the deep end. And
it looks like Pope Leo has reeled all that in
and we're back to a legit biblical understanding of who
Mary was in scripture, and we'll close it out with this. Okay.
(24:06):
They tell you, like, be careful with your passwords. And
if you're a place like the Louver in France, which
I've been on a couple of occasions, and you have
all this priceless stuff, I mean it's not only worth
hundreds of millions of dollars, it's worth so much that
you can't even put a price on it. I mean,
you got the Mona Lisa there, you got the Venus
(24:27):
de Milo, you got all of this priceless stuff. There.
The Louver's video security system password. When they were robbed,
the password was Louve. I'm not kidding you. It might
have been worse if it was just password. But their
password was reportedly Louve, which sometimes you have to think,
(24:53):
maybe that's such an obvious password guess that you might
use if you were trying to act into their system,
that nobody would have ever thought it was that, because
you can't use that as your password. If you're holding
the world's most valuable art work, there's no way you
(25:13):
would use that. So maybe it was so obvious it
was never going to be thought of as a possible password.
But yes, the Lovers video security system was hacked using
the password love I Kid you not. Truth is almost
always stranger than fiction, all right, God bless thank you
(25:36):
so much for joining us. We'll talk to you next time.
So long, everybody,
Gentlemen, start your engines. Mister Garbashow teared down this wall.
The only thing we have to bear. Spare it By'm
not a croup. If you like your healthcare plan, you will.
Speaker 2 (00:28):
Be on to keep your healthcare plans.
Speaker 1 (00:32):
I sick f R three. Why fire? You're listening to
Jim Paris Live. Your source for the latest news on money, politics, prophecy,
and preparedness, and now your host, the editor in chief
(00:54):
of Christian Money dot com and the author of more
than thirty books. Jim Paris.
Speaker 2 (01:00):
All right, hello everybody, and welcome to the broadcast. Great
to be back with you. We have just had some
really weird weather here in Florida. It's going to be
in the thirties this week, can you believe that? And
something that's crazy about Florida weather is this whole idea
of falling iguanas. And it almost sounds like a joke,
(01:24):
but it's true. When the temperatures get below freezing, these
iguanas they can actually like go into a state of hibernation.
And then whether in this state of hibernation they can
actually be frozen solid and they fall out of trees
and actually really hurt people. I mean because some of
(01:45):
these are big. If you've traveled to South Florida and
seen some of the cities where these iguanas run free,
some of them are the size of a small dog.
So they're actually not only warning about the Florida getting
into the thirties this week, but also so they're worrying
about falling iguanas. Yeah, it was a weird day today.
(02:05):
It's been pleasant the last maybe week and a half
two weeks, kind of in the fifties and sixties at
night and then in the seventies during the day, just
you know, a perfect kind of fall weather. But we've
been having these episodes like today this afternoon it just
started raining, like torrential downpour with lightning in the whole
(02:26):
nine yards And we don't usually get that kind of
rain storm during this time of year. That's something usually,
you know, we get that in the summer when there's
high heat and humidity and all that you get almost
like an afternoon shower like that, these really significant thunderstorms.
But just a couple of weeks ago, we had just
massive flooding throughout central Florida, some areas getting over twenty
(02:49):
inches of rain. So just some weird stuff going on
and it's going to be in the thirties this week,
so bundle up, kids. Well, on a somber note, the
death of Dick Cheney, who really did have a remarkable
life and career. I was reading that he became chief
of staff. I believe it was for It wasn't for Nixon.
(03:12):
It was for let's see here for Gerald Ford. He
was his chief of staff at the age of thirty four. Crazy.
Then of course he had all kinds of top positions
and government all the way up the vice president under
George W. Bush, the son. But then it got kind
of weird right in the Trump years. And the last
(03:32):
we heard was that Dick Cheney voted for Kamala Harris
to cast a vote against Trump. And of course his
daughter Liz Cheney was, you know, anti Trump, you know,
the whole run, the first election and then the second
Trump race as well. So Dick Cheney passing away this week.
(03:53):
I don't know how long he lived after he had
a heart transplant. It was a really long time though.
I'm just going to look it up here really quick
ause now I'm really curious how long did Dick Cheney
live after heart transplant? You gotta love the internet, right chat,
(04:15):
GPT and all that. I hope I get the right
answer here. I'm pretty sure I remember him. Oh yeah,
it says he had a heart transplant in twenty twelve
at the age of seventy one. So he lived nearly
fourteen years with a heart transplant. That's pretty remarkable, just
(04:36):
medically speaking, for someone to live that long. Of course,
if you're a former vice president, I'm sure you're getting
much better healthcare than the rest of us, just guessing.
And then the other big news this week is this
mom Donnie winning the New York City mayoral race, which
really comes as no surprise. This was expected, and it
(04:59):
was kind of a weird race where we even had
Trump kind of quasi endorsing Andrew Cuomo, who was a
trained wreck as governor, you know, back in all the
stuff he did during COVID and all of that, but
he was being suggested by Trump as maybe like a
lesser of two evils, and Curtis Sleewell he was in
(05:22):
the race as well, and so you had kind of
this three way split ticket and ends up that Mom Damie,
who is like actually himself considers himself a socialist, who
he also does have views that you could really really
closely compared to communism, and over the years just has
(05:43):
a lot of really far out, far far left ideas,
including defunding the police and so forth. So we're just
gonna have to watch this now and see what happens.
And I believe he is only like in his mid thirties,
so he's a young guy, has a long future ahead
(06:03):
of him in politics, and it's just crazy to see
someone this far left win the New York City mayoral race.
I mean, New York is liberal, we all know that,
but it's not California, right, at least we didn't think
it was. This is even further left than California. So
we're just gonna have to see what happens. Some people
say it's good news because we're you know, New York's
(06:25):
gonna get what they what they wanted, and they're gonna
get to see what this now means. So it's going
to be very, very fascinating to watch. So we talked
about the government shut down the last episode we did.
The government had been shut down thirty four days, which
was one day short of tying the all time record.
Now we are in record territory. The government has been
(06:47):
shut down for forty days, and there are huge consequences,
including the airports are a complete mess. The air traffic
controllers aren't getting paid, so there's a complete mess at
the airports. People are waiting hours, flights are being canceled.
Now the SNAP program, so called food stamps, people aren't
(07:08):
getting their SNAP or their food stamps, so that's another
kind of a crisis going. I did read just moments
ago that it appears that Democrats are close to signing
a stopgap measure that would at least provide funding for
these very essential services, you know, the TSA workers, the
air traffic controllers, to fund the SNAP program, things like that.
(07:33):
But it is interesting how the Democrats are clearly trying
to use this shutdown as leverage for some of their
you know, most you know, pet projects, including you know,
this wide wide access for people that are not even
legally citizens to have access to Obamacare. But we'll have
(07:54):
to see what happens with this. I think it may
have just reached that point that even the most hardcore
Democrats are saying, eh, we just this doesn't look good.
This does not look good for us, So we've got
to reopen the government at least you know, pay these
essential workers and services. Kim Kardashian. Yes, that Kim Kardashian
(08:18):
is apparently trying to become a lawyer. And it is
interesting because I was involved with a California law study
program at one time. It was long long ago, maybe
in the late nineties. They have an interesting setup there
where you have to have I think it's at least
(08:39):
sixty college credits and then you're allowed to actually go
to law school and you can go to law school
in person in California for the three years, or you
can go through a program where you're like being supervised
by a lawyer or by a judge, and that program
requires that you take a first year bar again like
(09:00):
they called the baby bar. So apparently she is taking
the baby bar and passed it from what I read,
And she did actually get to the point of being
able to take the final bar, but did not pass it.
So Kim Kardashian, of course, her father was a lawyer.
He was involved with the oj trial. Following the footsteps
(09:20):
of her father. I had no idea that Kim Kardashian
was working towards becoming a lawyer. So maybe I'll see
her someday in court. Wouldn't that be interesting? Oh man?
So everybody's trying to figure out what can we do
to get real estate moving again. And look, here's the
bottom line. It's not going to happen until we get
(09:43):
those lower interest rates again. When I say lower, I
mean people need to be able to get a four
percent mortgage again. That's what it's gonna take. We don't
really need to get down to three percent or two percent.
That would be great, that would be fantastic, But get
us back in the forest again, you're going to see
the real estate market pick up. So one of the
ideas that Trump administration is looking at is a fifty
(10:04):
year mortgage and I have run the numbers on it,
and it doesn't make any sense. It really doesn't. It
sounds like it would be a big savings But here's
the thing. If you understand money and amortization and compound
interest in all of those things, for example, you'll notice
that the payment between a fifteen year and a thirty
(10:27):
year mortgage is not that big of a difference like
you would think, Oh, I'm gonna take thirty years to
pay this mortgage off instead of just fifteen. So that's
gonna be double the payment. No, it's only the increase
in payment for a fifteen year mortgage is only about
about eighteen or twenty percent more of a payment. So
(10:48):
make the math simple. Let's say your payment would normally
be one thousand dollars on a thirty year mortgage. By
going down to a fifteen year, maybe your payment will
be twelve hundred dollars. So those same kind of smaller
differences even get smaller and smaller as you go further out.
And so we we put some numbers up on Facebook
(11:09):
last night showing people I think I use the example
of a two hundred and fifty thousand dollars house, and
by jumping it from a thirty year to a fifty
year mortgage, the payment difference is going to be like
seventy five bucks a month. This is not gonna make
that big of a difference. Now, if you're not a
financial person and you don't run the numbers, you would
(11:31):
think it would make a big difference. I mean, hey,
I'm paying a thirty year mortgage. Well what if I
get a fifty year It's gonna make my payment so
much less. I'm gonna be able to save half off
my payment. It's not even close. It is a tiny,
tiny difference in payment. So I don't think that's gonna
it's not gonna help us. I don't think that's where
we're gonna find the answer. It's got to be in
(11:53):
overall lower rates. And on the subject of mortgages, we
got news over the weekend that Fannie May is going
to get away from a minimum credit score. So this
is what we call a so called conventional mortgage. You've
got Fannie May and Freddie Max. So Fannie May is
(12:13):
where a lot of mortgages, you know, are funded through.
This is a quasi government agency. They're partly owned by
the government, partly privatized. Kind of a kind of an
interesting uh mix there, the way that the organization is
actually set up. In any case, it's it's kind of
(12:34):
been a standard for us in the mortgage industry. And
by the way, I still am working in mortgages even
though I'm in law school. This idea of a six
to twenty middle score, and as we go to different
seminars and trainings and conferences, it always comes back to
kind of this gold standard of the six to twenty
credit score. You know, that is you have three credit
(12:55):
scores three credit bureaus, the middle score, that is, we
throw at the lowest, we throw at the highest. That
middle score has got to be a six to twenty
generally for us to look at you as as like
a conventional typical mortgage six twenty or higher. When you
get below the six twenty, you get into what we
(13:16):
used to call subprime. There's different names that people use
for it now, but these are the mortgages that are
not funded, you know, through Fanny made. These are a
little bit you know, we've got to go FAHA, which
has a lot higher fees. It's not as good of
a deal. So this is actually good news for people
trying to get a mortgage. But you have to look
(13:38):
beyond the credit score, because this is what I always
tell people. It's not just your credit score being low
that might blow up your chances of getting a mortgage.
It's the backstory. You know, why is your credit score low?
So if you have a six twenty, or let's drop
it down to a six hundred now that they've made
this change. So let's say got a six hundred, and
(14:01):
you got a six hundred because maybe a lot of
bad stuff happened with your finances five years ago or
ten years ago and you haven't really opened up a
lot of newer credit, then you're probably gonna be okay.
But if your score is a six hundred, because you've
got a bunch of recent things like late payments and
charge offs and collections that happened in the last year
(14:22):
or two, just having a minimum score isn't going to
save you. So that's why it's important to work with
a mortgage loan officer that really does understand credit in
all of that, because there's a lot more nuanced to
it than just the score. And of course all of
you know. I wrote the book on credit Scoring, Credit
Scoring Secrets, which is available on Amazon as an audible book,
(14:45):
an ebook, and a printed out book. But yeah, still
doing mortgages if you want to talk about that. I
am licensed in a number of states, but I also
am able to help you if you are not in
my license states by referring to you one of referring
you to one of my team members. You can reach
out to me James Alpeis at gmail dot com. There's
(15:10):
an interesting story on the Blaze. This is Glenn Beck's website,
and they're saying that there is a something like a
ninety four percent forensic match for what they call the
gate g ai T this is the way a person walks,
and this can become almost like a digital like your
(15:35):
like your fingerprint, but it's how you walk your gate.
That they have used this software and a video of
this so called January sixth bomber, and they're saying with
ninety four percent probability using this analysis of the gate
of the walking of this person, that it's not four
(16:00):
percent likely that it was a particular Capital Police officer.
And we I don't think they're giving the name out yet,
but as we have peeled the layers of the onion
to see how many embedded FBI agents were involved with
January sixth, how the Capitol Police took those barricades down
(16:24):
and let people in, it's starting to really really look fishy,
isn't it. It really is. And this would be kind
of the ultimate smoking gun of all things if one
of their very own was involved with what would be
the most egregious thing that happened as part of that
(16:47):
whole day, the planting of bombs. All Right, this whole
controversy of these tariffs, I'm not personally seeing any effects
from it in my life. I mean, the idea was
that everything is going to become so expensive you won't
(17:07):
be able to afford anything anymore. I'm not seeing it,
and maybe it's not yet to be seen. But something
really cool is coming out of this, which is Trump
is saying every American is going to be paid possibly
a two thousand dollars dividend. So this is almost like
a stimulus, but the money will be coming from these tariffs,
(17:29):
and I think this is really fantastic. I don't know
if any of you are familiar with in Alaska, actually Alaskans,
instead of like paying a property tax each year, if
you own land in Alaska, you actually get paid money
a dividend from the fees they charge the companies that
are there harvesting the oil. They pay a dividend to
(17:52):
the landowners in Alaska. Now this is kind of along
those lines. How cool would it be if in the
next month or two we all got two thousand dollars?
And Trump mentioned this plan over the weekend, and he
says that super high income earners are going to be
excluded from this plan, but a little bit of like
(18:13):
a stimulus check two thousand dollars dividend from the tariffs.
I love it. And this story really, man, I'll tell
you what. Trump has had the world against him, and
this story really rocked my world. If it's true that
Jeffrey Epstein was supposedly offered a plea deal that he
(18:35):
could walk free if he could simply provide the evidence
for the government to implicate Trump in what he was doing,
you know, with his sex trafficking. And there's that story
I have posted on my Facebook and have it linked.
Check that out. I'm very, very fascinated by that, and
(18:58):
in particular that Epstein wouldn't do it. He said, no,
Trump wasn't involved in I'm not doing it. And he
ended up, of course, as the News reported, taking his
own life, which a lot of people are suspicious of
that whole situation. But that's another story to take a
(19:18):
look at. And this story, I've been getting kind of
a range of reactions. Some people think I'm completely nuts,
which is possibly true. The three I Atlas I believe,
or is it the three to one outles? I believe
it's the three Eye Atlas. It is an object in
(19:39):
space the size of Manhattan, the size of New York
City that is going to make its closest approach to
Earth on December nineteenth, and this is still like over
one hundred miles away, but that's actually close in space terms.
And there is a lot of speculation about what is
(19:59):
this thing, And in particular, there's one Harvard scientist who's
saying that the way it is moving, it's speeding up
and then slowing down, and it's emitting different colors. This
is like something they've never seen before. And this one
Harvard scientist is actually saying that there's a forty percent
(20:20):
chance this could be some kind of an alien spacecraft.
Isn't this crazy? And of course on this program before
we have talked about la Marzouli, and he's been with
us as a guest many times talking about how in
the very end times, one of his theories is that
there could be a great delusion, which involves a UFO
(20:44):
where people are convinced that there is no God. And
I find that to be a very interesting theory. And
here we are looking at this strange object. Who knows
what it is, but apparently we might know more by
December nineteenth. And in fact, there's a lot of people
(21:05):
demanding that NASA release more information about this thing that
I guess they have pictures and more close ups, a
video and all that than what they're releasing. And people
are saying, what are you hiding, NASA? If this is
just a space rock, we want to get all the details,
spill the tea and NASA is apparently holding a lot back.
(21:27):
So the new pope, his name is Pope Leo, and
he came out with something that I absolutely I was
stunned by this and I absolutely love this. Pope Leo
says that Jesus alone saved the world. Mary was not
a co redeemer. Now, let me give you some context
(21:51):
for this. I grew up in the Southwest suburbs of Chicago.
I grew up one block from one of the largest
Catholic churches in the suburbs of Chicago. Most of my
neighbors were staunch Catholics and actually bought a house in
my neighborhood so they could be close to that church
(22:14):
and actually walk to that church. And this was a
big problem for me growing up as a Protestant, as
an Evangelical Christian, the position, especially back in those days
We're talking late sixties throughout the seventies, where especially in Chicago,
(22:34):
the mother of Jesus was given almost an equal status
with Jesus. And this idea that Mary was part of
people's salvation and people would pray to marry for their salvation,
then they would pray to Mary like they would pray
to Jesus. This was a huge problem. It was probably
the biggest point of division theologically between Protestants and Catholics.
(23:00):
And now look at this, Pope Leo says, Jesus alone
saved the world. Mary was not a co redeemer. I
love this, I absolutely love to see this clearly more
biblical position to be taken about Mary, the mother of Jesus,
(23:20):
who was obviously chosen. So she was unbelievably special person
that was chosen to give birth to Jesus. So we
don't want to take away any of the significance of that.
And she's clearly one of the most important figures in
all of the Bible. I mean, for goodness sake, the
mother of Jesus. But to elevateor beyond that into some
(23:44):
type of a deity, that's where the Catholic faith really
jumped the shark and went off the deep end. And
it looks like Pope Leo has reeled all that in
and we're back to a legit biblical understanding of who
Mary was in scripture, and we'll close it out with this. Okay.
(24:06):
They tell you, like, be careful with your passwords. And
if you're a place like the Louver in France, which
I've been on a couple of occasions, and you have
all this priceless stuff, I mean it's not only worth
hundreds of millions of dollars, it's worth so much that
you can't even put a price on it. I mean,
you got the Mona Lisa there, you got the Venus
(24:27):
de Milo, you got all of this priceless stuff. There.
The Louver's video security system password. When they were robbed,
the password was Louve. I'm not kidding you. It might
have been worse if it was just password. But their
password was reportedly Louve, which sometimes you have to think,
(24:53):
maybe that's such an obvious password guess that you might
use if you were trying to act into their system,
that nobody would have ever thought it was that, because
you can't use that as your password. If you're holding
the world's most valuable art work, there's no way you
(25:13):
would use that. So maybe it was so obvious it
was never going to be thought of as a possible password.
But yes, the Lovers video security system was hacked using
the password love I Kid you not. Truth is almost
always stranger than fiction, all right, God bless thank you
(25:36):
so much for joining us. We'll talk to you next time.
So long, everybody,
Popular Podcasts
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
Are You A Charlotte?
In 1997, actress Kristin Davis’ life was forever changed when she took on the role of Charlotte York in Sex and the City. As we watched Carrie, Samantha, Miranda and Charlotte navigate relationships in NYC, the show helped push once unacceptable conversation topics out of the shadows and altered the narrative around women and sex. We all saw ourselves in them as they searched for fulfillment in life, sex and friendships. Now, Kristin Davis wants to connect with you, the fans, and share untold stories and all the behind the scenes. Together, with Kristin and special guests, what will begin with Sex and the City will evolve into talks about themes that are still so relevant today. "Are you a Charlotte?" is much more than just rewatching this beloved show, it brings the past and the present together as we talk with heart, humor and of course some optimism.
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.