September 21, 2025 • 22 mins
In this episode, we cover a packed week of breaking stories and personal reflections:
The massive Charlie Kirk memorial in Arizona that filled State Farm Stadium and left crowds outside. The suspension of Jimmy Kimmel and what it signals about media accountability. AOC mulling a presidential run and the political waves it could create. The Fed’s latest rate cut and how falling mortgage rates are reshaping real estate opportunities. Exploring a new HELOC option based on business income for entrepreneurs. A personal warning about scams targeting the elderly, including my own mother’s experience. The uncertain future of social media as TikTok faces a potential sale.
Become a supporter of this podcast: https://www.spreaker.com/podcast/jim-paris-live-james-l-paris--6441544/support.
The massive Charlie Kirk memorial in Arizona that filled State Farm Stadium and left crowds outside. The suspension of Jimmy Kimmel and what it signals about media accountability. AOC mulling a presidential run and the political waves it could create. The Fed’s latest rate cut and how falling mortgage rates are reshaping real estate opportunities. Exploring a new HELOC option based on business income for entrepreneurs. A personal warning about scams targeting the elderly, including my own mother’s experience. The uncertain future of social media as TikTok faces a potential sale.
Become a supporter of this podcast: https://www.spreaker.com/podcast/jim-paris-live-james-l-paris--6441544/support.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:07):
Gentlemen, start your engines. You're talking about mister Garbokoff teared down.
This one the only thing we have to bear. Spare
it so I I'm not a crunk. If you like
your healthcare plan, you'll be able to keep your healthcare plans.
(00:31):
Ye sick f R three wye 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
(00:53):
of Christian money dot com and the author of more
than thirty books, Jim Paris.
Speaker 2 (00:59):
All Right, hello buddy, and welcome to the broadcast. A
lot going on. I don't know if you saw this
in the news today, that this memorial that they had
for Charlie Kirk. It was at a place called the
State Farm Stadium, which I'm not familiar. It's it's out
in Arizona. And apparently this this giant stadium, it looks
(01:22):
like you a stadium where you know, maybe they have
NBA basketball, was completely filled capacity and apparently there were
thousands still out in the parking lot that had to
take it in, you know, remotely from the parking lot.
Speakers just unbelievable. The outpouring, just so much going on. Still.
(01:44):
We're still thinking about what happened to Charlie Kirk, and
his life sure made an impact. You can just see
that from these memorials and how many people are speaking
out saying we're all Charlie now. He really has started
a movement in his death. He has lived on with
(02:06):
his thoughts and his beliefs and has motivated a lot
of people to take things to the next step. And
that's you know, so many times how life is. It's
kind of like a relay race, if you will. You know,
one person carries the baton so far and then passes
it along and Charlie Kirk. I think it's I talked
(02:28):
about this on the last show. I think it's it's
just obvious this guy was gonna end up as president
at some point. Just still shocked over the loss of
Charlie Kirk. So what's still going on here with me?
I'm in law school and it has been a tremendous
experience so far. This week we have midterm exams. I
(02:51):
had a big assignment that was due and I turned
it in last night. I am really enjoying this and
there's so much about it I'm even thinking about writing
a book about my law school experience because a lot
of it I could have never really predicted. I mean,
all the new friends I'm making, even friends that are
(03:11):
in their twenties. I'm making a lot of friends with
young people. I am not the oldest one, but I
am one of the oldest in the law school. And
you know, the one thing though, that I think about
when I get up and it's still dark out and
I'm heading out, you know, to get to the school,
and then sometimes it's dark it's really late when I
(03:32):
get home sometimes because I'll be working on homework or
doing research for a project. Is I think to myself,
you know, I don't think any of us really appreciate
what we're capable of doing. I mean, here I am,
at age sixty in law school, full time in law schools.
(03:54):
It's surreal, it's exciting, and it's just something I got
to pinch myself so days, thinking, man, this is this
is really happening, all right. So, if you're a fan
of Sylvester Stallone or the Tulsa King series, I got
into this. I think it was my sister got into
Tulsa King first and then talked me into it and
(04:17):
now I'm hooked on it. And so the new season,
season three of Tulsa King came out today and it
looks like it's shaping up to be a real you know,
barn Burner here. A lot, a lot of things were
covered in this first episode, you know, setting up some
major conflicts for Sylvester Stallone's characters. So we'll be watching that.
(04:41):
So the big story this week, right was can we
call it the suspension of Jimmy Kimmel or the suspension
of the show or what's going to happen? And it
is so interesting to me to see how the left,
how the liberals are now coming out and they're against
anyone being censored. And let's just talk about what this is.
(05:04):
I mean, let's go back to the script, right when
they block Trump on Twitter and a lot of the
social media kicked Trump off. Look, ABC is a private company, right,
so if they decide they don't want Jimmy Kimmel, and
they don't have to have Jimmy Kimmel. This is not
a constitutional free speech issue. And what he said about
(05:26):
the shooter, that Charlie Kirk shooter was not accurate and
it wasn't even necessary for him to get into something
like that. This is what I don't understand. You know,
this guy is a comedian. People watch him for the jokes,
and I think some of these people have such a
huge ego that they believe that people want to hear
(05:51):
their personal opinion on everything, including you know, the recent
death of Charlie Kirk and getting in to just total
fabrications about the political ideology of the shooter and all
of that, saying that the shooter was mega that was
the implication. I don't know, it's it's it's it's bizarre
(06:14):
how these liberal celebrities they blow their whole career up
getting into this kind of an area. And I think,
you know, I think the story here that nobody's talking
about is that I think these late night shows are
really dying. I mean, it's no longer like back in
(06:37):
the day where you would watch Johnny Carson and then
David Letterman, you know, after that, We're just in a
different era. And Jimmy Kimmel's ratings have dropped precipitously. And
when you look at like another show like Greg Guttfeld,
which is just on cable, he's not on broadcast television,
(06:59):
and he's the incredibly well and so, you know, I
think it's a business decision ABC. Just basically I've had people,
you know, when I own big companies, you have people
who are who become more trouble than their worth. And
so Jimmy Kimmel adds something to the ABC brand, but
they decided, you know what, he adds something over here
(07:20):
on the one hand, but now him weighing in in
this way on the shooting of Charlie Kirk, we don't
need this. So he's more of a liability than he
is an asset, and he goes away. And so there's
been just a lot of people upset about this. I
read there was a story this morning. I read about
(07:42):
someone you know, firing three shots into an ABC television
station in California, And I guess the inference is that
this was in somehow a protest of the suspension of
Jimmy Kimmel's show. Some people are saying Kimmel will be
back in a couple of weeks. This is just a
little bit of a more like a time out more
(08:03):
than anything. I don't know. I don't watch Jimmy Kimmel.
I don't usually stay up that late to even watch
any of those shows. But I've never really thought Kimmel
was funny. It's just, you know, maybe I'm just from
a different era, you know, the Johnny Carson, the David
Letterman era. But speaking of Letterman, Letterman's even out, you know,
(08:23):
weighing in on the wrongness quote unquote of firing or
suspending Jimmy Kimmel, whatever is really the case here. But
that's a big buzz of course in the news. And
then this, this sounds nuts, but you don't know. I mean,
you just don't know because of how crazy things are
(08:44):
that AOC is mulling a presidential run and I'm not kidding,
I'm really not kidding. And somebody I posted this on
my Facebook and somebody said, well, they're putting out the
best they have, and maybe AOC is the best that
the Democrats have to offer. I mean, the Democrats really
(09:05):
do have a significant branding problem. And you've got to
ask yourself after this last just complete disaster of an election,
with Kamala and Joe Biden and Biden stepping down, who's
really now the standard bearer for the Democrat Party. I mean,
(09:26):
who's next? People are talking about Gavin Newsom, I don't know.
He's got such a terrible record in California. I can't
see that. But I don't know. Biden got elected and
they put Kamala on the ticket. I don't know it
AOC mulling a presidential run. It sounds crazy, but maybe
(09:48):
it's not. I mean, maybe she'll be on the ticket
and going up against JD. Vance. Wouldn't that be a debate.
You'd love to see AOC going up against the brilliant JD.
Van Well. This week, the FED moved to cut interest rates,
and sometimes people get a little bit confused about this.
So the rate cut was a quarter point, which is
(10:12):
kind of a tiny ray cut. It's nice to see it.
We're kind of going in the right direction. But this
does not have a pound four pound correlation with mortgage rates,
and this is where people get a little bit confused.
So mortgage rates follow the ten year bond. That's the
yield that mortgage rates are tied to. This FED Funds
(10:37):
rate or the Federal Reserve rate. This is a rate
that is used in overnight lending between banks and lending
from the FED, what they call the FED window. This
is not the rate that mortgages are tied to, so
it doesn't necessarily translate into lower mortgage rates. I will
(10:58):
grant you that over time, if the FED keeps cutting rates,
it sort of sets a lower interest rate environment that
sort of, you know, brings the rates down for everything
over time. But that's really not happening. But we do
have mortgage rates also coming down, not necessarily step for
(11:20):
step with the FED rate cuts, but we're looking at
maybe the lowest rates that we've seen in about a year.
We're still in a bad situation, however, with the real
estate market and the mortgage market, because rates are still
high enough that people don't want to sell their existing
house because people still have two to three percent interest
(11:42):
rates and right now you're going to be at over
six percent on an interest rate. So rates, although they've
come down, they haven't come down low enough to really
make any difference. It's maybe picking up a little bit
in the real estate market by having you know, buyers
are able to get in at a lesser payment now
(12:03):
than maybe they were six months ago. But really, over
the course of the last one year kind of sideways,
we really haven't seen any improvement in mortgage rates. But
I do have something I wanted to get into this
today because this is really something very special and unique
(12:24):
that we now have available. And I run into this
a lot here in Florida. Of course, this show goes
all across the US, all across the world, really, and
I run into this a lot though in Florida. And
this may or may not apply to you, but if
you are someone that is self employed and you're looking
to take equity out of your house a home equity loan,
(12:47):
it can be difficult. Traditionally people will go to their
local bank or to a credit union to get a
home equity loan. That is no longer necessarily just the
only option that you have. And the problem with those
kinds of lenders, banks and credit unions is they want
traditional qualifying. They love the W two employee that has
(13:10):
the good credit score. That's what they want. That's what
they love. If you're somebody who is self employed and
because you get all the great tax deductions, you don't
necessarily show a great income figure at the end of
the year because everything's right off, they don't like you
so much. And so we have this unique program that
(13:31):
just became available this week. And so this is for you.
If you own a home and you want to keep
that great first mortgage that has that super low interest rate,
but you've got equity, and you'd like to get to
that equity to maybe pay off some high interest rate
credit cards, a car loan, helping kids go to college,
paying off other debts, whatever it might be. You can
(13:54):
now actually use your businesses income, like in LLC or
a sub Chapter S corporation. And you might have a
bank account where all of the money kind of flows
in to the business account and then some of that
comes out as a paycheck to you, but the big
dollars are coming in, you know, first to the business account. Well,
(14:16):
we have this home equity line of credit program you
can now use to qualify based on your business bank
account income. And this is really huge. It is, I'm
telling you it's it's very unique. I don't know of
anything else like this available anywhere. If you want to
(14:36):
find out more about this program. It works for your
primary home, for a second home, and it even works
on investment properties. And even if you're listening right now
and you're not self employed, you're somebody that you know,
is you know, regular W two employee, you might still
be interested in this program because one of the things
(14:57):
I love about it is you can find out if
you're approved in five five minutes, there's no praiser required,
and you can close in just five days. It takes
away a lot of the headache, a lot of the
paperwork of a traditional loan, and you're able to use
your home equity without disrupting that great first mortgage that
you have. And these are fixed rates that you get
(15:19):
on this program. If you want to find out more
about it, check it out. Tell your friends, especially those
that are self employed, check it out. Quick turn heelock
dot com, Quick turn helock, h e l oc dot com,
quick turn heelock dot com. All right, there are so
(15:40):
many scams going now on the elderly. And I now
live in Orlando with my eighty two year old mother,
and it is so fascinating to kind of be a
fly on the wall and watch her life. She has
a very modest income from Social Security in a small
(16:00):
pension that my dad left her behind. She's an eighty
two year old widow. And the things that come in
the mail, you know, offering, they're out and out scams
that are being sent to her, and she'll right away say, hey,
can you look at this do you think this is
legit or not? And I'll tell you, almost every day
there's something in the mail that she's being offered that
(16:24):
is either just a completely bad deal or an outright scam.
And we had a situation here last week where someone
told her that she had to buy a home warranty
because she has a reverse mortgage on her home. They
told her if she did not buy this home warranty
that she was going to lose her home. Now, little
(16:46):
did they know that her son is a financial author,
also a licensed loan officer, also a licensed real estate agent,
also a law school student. So I got on the
phone and I got in the middle of this, and
it's so funny because my mom she wants, she wanted
to believe me that this is not true. You're not
(17:06):
going to lose your house, you don't have to buy
this home warranty. But yet this letter she got was
so scary and it looked real. And then she called
the number and they told her, yes, you're going to
lose your home. And had I not been here, she
would have been out of pocket probably six hundred bucks,
which is a lot of money to her. And I
don't know if you are in close contact with your
(17:30):
elderly parents or grandparents. But man, I'm telling you, this
is something that is it's shocking to see how much
of a target my mother has on her back by
these scammers. And if I were not here, it would
just be unbelievable what they would be able to get
away with. And it's something I'm thinking, you know, once
(17:52):
I graduate from law school that maybe I want to
focus on, is going after these scammers. It is just
it's beyond on ethical. It really is criminal. A lot
of the stuff that she gets and the scams they're
calling here saying they're calling from Medicare. Now what they're
doing is they're calling trying to switch her to a
(18:13):
new Medicare supplement. But they say they're calling from Medicare,
and they tell her things that are just absolutely not true,
not even possible. In the last couple of years, she's
switched her Medicare supplement three times because of these people
lying to her, and then she has to start all
over again with a new doctor and get her prescriptions
(18:36):
all over again. And you know, the telemarketers, the direct
male people targeting the elderly, it is beyond an epidemic.
It really is all right. So the sale of TikTok.
Do you remember what happened was Congress voted that TikTok
(18:56):
must divest from China. China owns TikTok, a Chinese corporation
that is controlled by the Chinese government, and you know,
our government said, well, you've got to sell it or
we're shutting it down. And then TikTok actually was briefly
shut down, and then Trump signed an executive order putting
(19:17):
TikTok TikTok back online until you know, such time as
the sale could be worked out. And it looks like
a sale of TikTok is coming together, and I'm glad
to see it because I think TikTok is a is
an interesting platform and it's unique. I know some people
(19:39):
don't like TikTok TikTok at all. I do. I don't
do a lot of like producing of content for TikTok,
but I do enjoy going on TikTok. There's a lot
of Christian ministries that will post clips of sermons. That's
a lot of what I watch. I also, you know,
like certain political commentators, radio talk talk show hosts that
(20:00):
will have clips on there there are things I like
to watch on TikTok, and even the president President Trump
said that Charlie Kirk was really someone that had changed
his mind about TikTok because back during the election they
shifted and put some emphasis on marketing, you know, marketing,
(20:22):
Trump and his campaign on TikTok because Charlie Kirk had
advised them too. I personally like to see more and
more social media. I feel like the entire Internet is
controlled by maybe seven or eight different companies. I don't
like that. I wish that we had more, not less,
(20:46):
social media options, and I'd love to see TikTok continue on.
I never bought into the entire argument that somehow, by
the Chinese owning TikTok, it was somehow like a secret
backdoor into all of our phones and our computers. I
never bought into that. And maybe it's because I'm not
(21:08):
a tech person and I don't understand all of that,
but I just never saw that as a real risk.
But either way, it looks like TikTok will live on
and there will be a sale coming. They're already putting
together the deal, and it looks like the Murdochs, the
ones that own the Wall Street Journal and Fox News
(21:29):
and a lot of other media companies may be a
big part of the group that buys TikTok. All right, everybody,
have a great week, God blessed. We'll talk to you
next time. Thanks for joining us, so long everybody,
Gentlemen, start your engines. You're talking about mister Garbokoff teared down.
This one the only thing we have to bear. Spare
it so I I'm not a crunk. If you like
your healthcare plan, you'll be able to keep your healthcare plans.
(00:31):
Ye sick f R three wye 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
(00:53):
of Christian money dot com and the author of more
than thirty books, Jim Paris.
Speaker 2 (00:59):
All Right, hello buddy, and welcome to the broadcast. A
lot going on. I don't know if you saw this
in the news today, that this memorial that they had
for Charlie Kirk. It was at a place called the
State Farm Stadium, which I'm not familiar. It's it's out
in Arizona. And apparently this this giant stadium, it looks
(01:22):
like you a stadium where you know, maybe they have
NBA basketball, was completely filled capacity and apparently there were
thousands still out in the parking lot that had to
take it in, you know, remotely from the parking lot.
Speakers just unbelievable. The outpouring, just so much going on. Still.
(01:44):
We're still thinking about what happened to Charlie Kirk, and
his life sure made an impact. You can just see
that from these memorials and how many people are speaking
out saying we're all Charlie now. He really has started
a movement in his death. He has lived on with
(02:06):
his thoughts and his beliefs and has motivated a lot
of people to take things to the next step. And
that's you know, so many times how life is. It's
kind of like a relay race, if you will. You know,
one person carries the baton so far and then passes
it along and Charlie Kirk. I think it's I talked
(02:28):
about this on the last show. I think it's it's
just obvious this guy was gonna end up as president
at some point. Just still shocked over the loss of
Charlie Kirk. So what's still going on here with me?
I'm in law school and it has been a tremendous
experience so far. This week we have midterm exams. I
(02:51):
had a big assignment that was due and I turned
it in last night. I am really enjoying this and
there's so much about it I'm even thinking about writing
a book about my law school experience because a lot
of it I could have never really predicted. I mean,
all the new friends I'm making, even friends that are
(03:11):
in their twenties. I'm making a lot of friends with
young people. I am not the oldest one, but I
am one of the oldest in the law school. And
you know, the one thing though, that I think about
when I get up and it's still dark out and
I'm heading out, you know, to get to the school,
and then sometimes it's dark it's really late when I
(03:32):
get home sometimes because I'll be working on homework or
doing research for a project. Is I think to myself,
you know, I don't think any of us really appreciate
what we're capable of doing. I mean, here I am,
at age sixty in law school, full time in law schools.
(03:54):
It's surreal, it's exciting, and it's just something I got
to pinch myself so days, thinking, man, this is this
is really happening, all right. So, if you're a fan
of Sylvester Stallone or the Tulsa King series, I got
into this. I think it was my sister got into
Tulsa King first and then talked me into it and
(04:17):
now I'm hooked on it. And so the new season,
season three of Tulsa King came out today and it
looks like it's shaping up to be a real you know,
barn Burner here. A lot, a lot of things were
covered in this first episode, you know, setting up some
major conflicts for Sylvester Stallone's characters. So we'll be watching that.
(04:41):
So the big story this week, right was can we
call it the suspension of Jimmy Kimmel or the suspension
of the show or what's going to happen? And it
is so interesting to me to see how the left,
how the liberals are now coming out and they're against
anyone being censored. And let's just talk about what this is.
(05:04):
I mean, let's go back to the script, right when
they block Trump on Twitter and a lot of the
social media kicked Trump off. Look, ABC is a private company, right,
so if they decide they don't want Jimmy Kimmel, and
they don't have to have Jimmy Kimmel. This is not
a constitutional free speech issue. And what he said about
(05:26):
the shooter, that Charlie Kirk shooter was not accurate and
it wasn't even necessary for him to get into something
like that. This is what I don't understand. You know,
this guy is a comedian. People watch him for the jokes,
and I think some of these people have such a
huge ego that they believe that people want to hear
(05:51):
their personal opinion on everything, including you know, the recent
death of Charlie Kirk and getting in to just total
fabrications about the political ideology of the shooter and all
of that, saying that the shooter was mega that was
the implication. I don't know, it's it's it's it's bizarre
(06:14):
how these liberal celebrities they blow their whole career up
getting into this kind of an area. And I think,
you know, I think the story here that nobody's talking
about is that I think these late night shows are
really dying. I mean, it's no longer like back in
(06:37):
the day where you would watch Johnny Carson and then
David Letterman, you know, after that, We're just in a
different era. And Jimmy Kimmel's ratings have dropped precipitously. And
when you look at like another show like Greg Guttfeld,
which is just on cable, he's not on broadcast television,
(06:59):
and he's the incredibly well and so, you know, I
think it's a business decision ABC. Just basically I've had people,
you know, when I own big companies, you have people
who are who become more trouble than their worth. And
so Jimmy Kimmel adds something to the ABC brand, but
they decided, you know what, he adds something over here
(07:20):
on the one hand, but now him weighing in in
this way on the shooting of Charlie Kirk, we don't
need this. So he's more of a liability than he
is an asset, and he goes away. And so there's
been just a lot of people upset about this. I
read there was a story this morning. I read about
(07:42):
someone you know, firing three shots into an ABC television
station in California, And I guess the inference is that
this was in somehow a protest of the suspension of
Jimmy Kimmel's show. Some people are saying Kimmel will be
back in a couple of weeks. This is just a
little bit of a more like a time out more
(08:03):
than anything. I don't know. I don't watch Jimmy Kimmel.
I don't usually stay up that late to even watch
any of those shows. But I've never really thought Kimmel
was funny. It's just, you know, maybe I'm just from
a different era, you know, the Johnny Carson, the David
Letterman era. But speaking of Letterman, Letterman's even out, you know,
(08:23):
weighing in on the wrongness quote unquote of firing or
suspending Jimmy Kimmel, whatever is really the case here. But
that's a big buzz of course in the news. And
then this, this sounds nuts, but you don't know. I mean,
you just don't know because of how crazy things are
(08:44):
that AOC is mulling a presidential run and I'm not kidding,
I'm really not kidding. And somebody I posted this on
my Facebook and somebody said, well, they're putting out the
best they have, and maybe AOC is the best that
the Democrats have to offer. I mean, the Democrats really
(09:05):
do have a significant branding problem. And you've got to
ask yourself after this last just complete disaster of an election,
with Kamala and Joe Biden and Biden stepping down, who's
really now the standard bearer for the Democrat Party. I mean,
(09:26):
who's next? People are talking about Gavin Newsom, I don't know.
He's got such a terrible record in California. I can't
see that. But I don't know. Biden got elected and
they put Kamala on the ticket. I don't know it
AOC mulling a presidential run. It sounds crazy, but maybe
(09:48):
it's not. I mean, maybe she'll be on the ticket
and going up against JD. Vance. Wouldn't that be a debate.
You'd love to see AOC going up against the brilliant JD.
Van Well. This week, the FED moved to cut interest rates,
and sometimes people get a little bit confused about this.
So the rate cut was a quarter point, which is
(10:12):
kind of a tiny ray cut. It's nice to see it.
We're kind of going in the right direction. But this
does not have a pound four pound correlation with mortgage rates,
and this is where people get a little bit confused.
So mortgage rates follow the ten year bond. That's the
yield that mortgage rates are tied to. This FED Funds
(10:37):
rate or the Federal Reserve rate. This is a rate
that is used in overnight lending between banks and lending
from the FED, what they call the FED window. This
is not the rate that mortgages are tied to, so
it doesn't necessarily translate into lower mortgage rates. I will
(10:58):
grant you that over time, if the FED keeps cutting rates,
it sort of sets a lower interest rate environment that
sort of, you know, brings the rates down for everything
over time. But that's really not happening. But we do
have mortgage rates also coming down, not necessarily step for
(11:20):
step with the FED rate cuts, but we're looking at
maybe the lowest rates that we've seen in about a year.
We're still in a bad situation, however, with the real
estate market and the mortgage market, because rates are still
high enough that people don't want to sell their existing
house because people still have two to three percent interest
(11:42):
rates and right now you're going to be at over
six percent on an interest rate. So rates, although they've
come down, they haven't come down low enough to really
make any difference. It's maybe picking up a little bit
in the real estate market by having you know, buyers
are able to get in at a lesser payment now
(12:03):
than maybe they were six months ago. But really, over
the course of the last one year kind of sideways,
we really haven't seen any improvement in mortgage rates. But
I do have something I wanted to get into this
today because this is really something very special and unique
(12:24):
that we now have available. And I run into this
a lot here in Florida. Of course, this show goes
all across the US, all across the world, really, and
I run into this a lot though in Florida. And
this may or may not apply to you, but if
you are someone that is self employed and you're looking
to take equity out of your house a home equity loan,
(12:47):
it can be difficult. Traditionally people will go to their
local bank or to a credit union to get a
home equity loan. That is no longer necessarily just the
only option that you have. And the problem with those
kinds of lenders, banks and credit unions is they want
traditional qualifying. They love the W two employee that has
(13:10):
the good credit score. That's what they want. That's what
they love. If you're somebody who is self employed and
because you get all the great tax deductions, you don't
necessarily show a great income figure at the end of
the year because everything's right off, they don't like you
so much. And so we have this unique program that
(13:31):
just became available this week. And so this is for you.
If you own a home and you want to keep
that great first mortgage that has that super low interest rate,
but you've got equity, and you'd like to get to
that equity to maybe pay off some high interest rate
credit cards, a car loan, helping kids go to college,
paying off other debts, whatever it might be. You can
(13:54):
now actually use your businesses income, like in LLC or
a sub Chapter S corporation. And you might have a
bank account where all of the money kind of flows
in to the business account and then some of that
comes out as a paycheck to you, but the big
dollars are coming in, you know, first to the business account. Well,
(14:16):
we have this home equity line of credit program you
can now use to qualify based on your business bank
account income. And this is really huge. It is, I'm
telling you it's it's very unique. I don't know of
anything else like this available anywhere. If you want to
(14:36):
find out more about this program. It works for your
primary home, for a second home, and it even works
on investment properties. And even if you're listening right now
and you're not self employed, you're somebody that you know,
is you know, regular W two employee, you might still
be interested in this program because one of the things
(14:57):
I love about it is you can find out if
you're approved in five five minutes, there's no praiser required,
and you can close in just five days. It takes
away a lot of the headache, a lot of the
paperwork of a traditional loan, and you're able to use
your home equity without disrupting that great first mortgage that
you have. And these are fixed rates that you get
(15:19):
on this program. If you want to find out more
about it, check it out. Tell your friends, especially those
that are self employed, check it out. Quick turn heelock
dot com, Quick turn helock, h e l oc dot com,
quick turn heelock dot com. All right, there are so
(15:40):
many scams going now on the elderly. And I now
live in Orlando with my eighty two year old mother,
and it is so fascinating to kind of be a
fly on the wall and watch her life. She has
a very modest income from Social Security in a small
(16:00):
pension that my dad left her behind. She's an eighty
two year old widow. And the things that come in
the mail, you know, offering, they're out and out scams
that are being sent to her, and she'll right away say, hey,
can you look at this do you think this is
legit or not? And I'll tell you, almost every day
there's something in the mail that she's being offered that
(16:24):
is either just a completely bad deal or an outright scam.
And we had a situation here last week where someone
told her that she had to buy a home warranty
because she has a reverse mortgage on her home. They
told her if she did not buy this home warranty
that she was going to lose her home. Now, little
(16:46):
did they know that her son is a financial author,
also a licensed loan officer, also a licensed real estate agent,
also a law school student. So I got on the
phone and I got in the middle of this, and
it's so funny because my mom she wants, she wanted
to believe me that this is not true. You're not
(17:06):
going to lose your house, you don't have to buy
this home warranty. But yet this letter she got was
so scary and it looked real. And then she called
the number and they told her, yes, you're going to
lose your home. And had I not been here, she
would have been out of pocket probably six hundred bucks,
which is a lot of money to her. And I
don't know if you are in close contact with your
(17:30):
elderly parents or grandparents. But man, I'm telling you, this
is something that is it's shocking to see how much
of a target my mother has on her back by
these scammers. And if I were not here, it would
just be unbelievable what they would be able to get
away with. And it's something I'm thinking, you know, once
(17:52):
I graduate from law school that maybe I want to
focus on, is going after these scammers. It is just
it's beyond on ethical. It really is criminal. A lot
of the stuff that she gets and the scams they're
calling here saying they're calling from Medicare. Now what they're
doing is they're calling trying to switch her to a
(18:13):
new Medicare supplement. But they say they're calling from Medicare,
and they tell her things that are just absolutely not true,
not even possible. In the last couple of years, she's
switched her Medicare supplement three times because of these people
lying to her, and then she has to start all
over again with a new doctor and get her prescriptions
(18:36):
all over again. And you know, the telemarketers, the direct
male people targeting the elderly, it is beyond an epidemic.
It really is all right. So the sale of TikTok.
Do you remember what happened was Congress voted that TikTok
(18:56):
must divest from China. China owns TikTok, a Chinese corporation
that is controlled by the Chinese government, and you know,
our government said, well, you've got to sell it or
we're shutting it down. And then TikTok actually was briefly
shut down, and then Trump signed an executive order putting
(19:17):
TikTok TikTok back online until you know, such time as
the sale could be worked out. And it looks like
a sale of TikTok is coming together, and I'm glad
to see it because I think TikTok is a is
an interesting platform and it's unique. I know some people
(19:39):
don't like TikTok TikTok at all. I do. I don't
do a lot of like producing of content for TikTok,
but I do enjoy going on TikTok. There's a lot
of Christian ministries that will post clips of sermons. That's
a lot of what I watch. I also, you know,
like certain political commentators, radio talk talk show hosts that
(20:00):
will have clips on there there are things I like
to watch on TikTok, and even the president President Trump
said that Charlie Kirk was really someone that had changed
his mind about TikTok because back during the election they
shifted and put some emphasis on marketing, you know, marketing,
(20:22):
Trump and his campaign on TikTok because Charlie Kirk had
advised them too. I personally like to see more and
more social media. I feel like the entire Internet is
controlled by maybe seven or eight different companies. I don't
like that. I wish that we had more, not less,
(20:46):
social media options, and I'd love to see TikTok continue on.
I never bought into the entire argument that somehow, by
the Chinese owning TikTok, it was somehow like a secret
backdoor into all of our phones and our computers. I
never bought into that. And maybe it's because I'm not
(21:08):
a tech person and I don't understand all of that,
but I just never saw that as a real risk.
But either way, it looks like TikTok will live on
and there will be a sale coming. They're already putting
together the deal, and it looks like the Murdochs, the
ones that own the Wall Street Journal and Fox News
(21:29):
and a lot of other media companies may be a
big part of the group that buys TikTok. All right, everybody,
have a great week, God blessed. We'll talk to you
next time. Thanks for joining us, so long everybody,
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