55KRC Monday Show - Smitherman, Money Monday, KRC Cares

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Episode Transcript

Speaker 1 (00:00):
News going on in the world. Ah, giving me real
pause this morning. Anyhow, had a wonderful weekend thanks to
my mom. Enjoyed the celebration. Yesterday we went and saw
Holiday Inn. And I'm just saying it out loud because
I want to give the Covidale Center for the Performing Arts,
a little theater over there on Glennway Avenue, real close
to Price Hell Chili, and they did a performance of

(00:20):
what they called Holiday Inn. And you know what, there's
some very very talented people for a local theater. The
choreography and the work they did and the talent of
those actors, it really was just it was. It was great.
So if you need to get yourself in a holiday
spirit or just want to see some really good local talent,

(00:41):
you know, take them up on the opportunity to go
check it out over the Codeale Theater anyhow, nice time.
Want to give them props because it was very impressive.
At least I was impressed by it. So thank you
to my mom for the tickets and the wonderful, wonderful
meal we had prima vista overlooking the city. A nice
meal there, really fun time, So just at least I

(01:02):
had that to look back to and say, oh, what
a nice time we're the holiday weekend was fun. And
then you know, death this memorment. You got sixteen people
dead after some Islamic fundamentalist killed some Jewish people in Australia,
you got this Brown university shooter, and you know, it
just seems like piling on and it makes me feel

(01:23):
like society we're being overrun. And are we not being overrun?
We'd step back from it and look at what's going
on in the world over the past fifteen twenty years.
There aren't no borders in Europe anymore. The culture is
being undermined completely, I mean undermined. Maybe you think it's
a good shift that we get away from whatever is
whatever is Western culture happening here too. I think we

(01:54):
struggled with what we even identify as our own culture.
But without question, the world is an ever changing place
and you can't reach any other conclusion. This is all
seemingly intentional. At least it is intentional from my perspective,
no question about it. Not seemingly actually intentional. So anyhow,
I again just struggling with where I want to start
this morning. Well, let's start with the rundown after getting

(02:18):
that out of my system Smitheman and Christopher Smithman coming
up at seven twenty. Former vice mayor of the City
of since Any joins a program every Monday at seven
to twenty and vents his plean I thoroughly enjoyed it.
Money Money with Brian James eighth five Every Monday with
Brian James today, what the federal the FED rate cut
is going to mean to you? If anything? Lots of rumors,

(02:39):
accusations and innuendo that we're getting ready to face an
artificial intelligence bubble? Question is there one? And will it pop?
Been through the tech pops before, so I hope not,
but it wouldn't shock me if it does pop. Plus,
what is our MD We're going to find out together. Actually,
it is a required minimum distribution age seventy three. Most

(03:01):
retirees have to start required minimum distribution from their pre
tax accounts. That'd be your four to one k airs
with it is with inherited individual retirement accounts also must
take their required minimum distribution. We're gonna find out about
that because the deadline is coming up. That's with Brian
James eight oh five, and we get kars Cares today
with Cincinniva, doctor Radka Ramanadin about this since Anyva eye

(03:28):
center so good got some extra benefits coming to our
veteran friends out there, and I find that to be
a wonderful thing. So that'll be at the tail end
of the program. Again, calls are always welcome here in
the morning show. Well, let's start with a boo blanking
who rather than go into the death and dismemberment the
Bondi Beach terror attack. Although a note of heroism. Did
you see the video of the guy who got one

(03:50):
of the gunmen on that beach? That was just an
amazing act of heroism. So if you're trying to look
for a bright spot and all of this, the act
of one individual probably saved a lot of wives. Lord
knows how many more people that religious fundamentalist Islamic piece
of garbage would have done in terms of killing people,

(04:11):
had that one man not just run over and basically
just grabbed a hold of him and took the gun
away from him. This is amazing. Put in that position,
would you have done something like that? I suppose here
in the United States, some states more likely than others,

(04:31):
there may have been people with concealed carry weapons or
open carry weapons or just weapons of their own lawfully
protected by the second Member of the United States Constitution,
that might have come to the aid of those people
who are getting gunned down by murderers, murderers who in
fact had the authority or the ability to have firearms.
I was a fifty year old man and his twenty
four year old son. They carried out this terror attack.

(04:54):
Licensed gun owner. The father was. He had six legally
registered firearms. All six they have been recovered, some at
the scene, of course, that's how they had the two
with them at the scene, one bolt action rifle and
a shotgun. Australia not the easiest place in the world
to get a firearm here, however, a little bit easier.

(05:16):
But I wanted to say, boo blank and who oh Joe,
were you at the football game? Of course not, I know.
I'm not kidding you. I'm saying it with my tongue
in my cheek. I know better than that. If you
had tickets to the football game, would you would you
have been depressed if you had to clean your seat
off because there was snow on it. Hamilton Kenny Commissioner

(05:40):
Stephanie Summer Dumas apparently calling out the Bengals on social
media because well, there was snow on the seats. On Facebook,
she says, I want to apologize to the Bengals fans.
It had to clean snow out of their own seats.
The Bengals have to do better double exclamation point. I

(06:02):
demand it, and so does the NFL. We did get
a lot of snow over the weekend, didn't we, And
there was a lot of snow on the seats. I
see the photograph. Oh look, while fans and dumas upset
with the leftover snow, did the Bengals actually break any

(06:24):
rules by leaving it there? According to the NFL Operations Manual,
maybe give credit to Molly Shram with the inquir it's
the quir According to a twenty three NFL Operations Manual,

(06:47):
each home club is responsible for having a snow removal
plan in place and ensuring that its stadium has adequate
snow removal equipment available. Hey, did the city of Cincinnati
have adequate snow equipment? Of generally speaking, just asking for
a friend, did you we came down Montgomery Road State

(07:07):
Route twenty two. Apparently the state does not have adequate
snow removal equipment. And it's still a very very dangerous
road to be on. I came down a little bit
this morning. They still haven't cleaned it up. So if
you're up on Montgomery Road close to East compor in
that area, yeah, it's still slick and still icy, be careful.
Corey and Avenue as well. Joe, Oh, how about that? Anyway,

(07:31):
back to the manual, it reads snow and ice must
be removed from the stadium before all games. This applies
to the playing field, sidelines, seating bowl aisles, pedestrian rams, walkways,
and parking lots. So apparently Encoire reached out to the
Bengals about the violation potential violation, and they were directed

(07:55):
to the NFL, which didn't specify any broken rules. And
I'm sorry, I gotta laugh about this. I know there's
a lot of Bengals fans out there and sorry for
the outcome of the game. We've given up, but I

(08:16):
can't see there. It'd be much of a challenge to
show up and just sort of wipe the seed off.
It's a big stadium. Fifteen. See, I told you I
didn't know what I wanted to talk about this morning.
Five one three, please seven fight two three Tako with
pound five fifty on eight and t funds. Oh look,
Ohio has been innundated by fraud. Apparently it's the Somali

(08:37):
migrant community here in Ohio. This is an ongoing trend.
When is someone going to step up and really focus
on fraud wasted abuse before well we collapse as a society.
Stick around me right back.

Speaker 2 (08:52):
A series of events we can't afford to miss.

Speaker 1 (08:56):
Yeah, it's a little hold out there. I three seven
eight eight two three talk to contact fifty on eight
TNFD phones. Don't forget fifty five caresee dot com Please
get your heart media app over there. Stream the audio
where we happen to be and check out my conversation
with Brad Weinstrew. We did tech Friday with Dave had
our appointment listening that he's just trying to keep you
out of trouble and doing a good job. I kind

(09:18):
of hate his advice all the time. I know you
know that. And weird thing, uh I say. We want
about Rob Ryder who far left us. He's dead. He
and his wife apparently stabbed to death in their home.
They say their son is a person of interest. A
thirty two year old son apparently had some drug and uh,

(09:40):
it's pretty significant problems in his past. Anyway, he is
a suspect at least as of right now. But uh,
they say we know little about Rob Ryder, hate his
politics or hated his Riiner. Oh you thought, did I
say Rider? Like Rob Ryder? Who's going to be joining
us for the Christmas special? Ryaner Anyway, some great movies

(10:04):
from As a matter of fact, it's kind of strange.
I literally just watched This is Spinal Tap again a
couple of days ago, which I thought was really weird,
considering they found him dead, he and his wife dead.
So when Harry met Sally Princess Bride another great, great,
great movie and also the director of a few good Men.
So he's no longer with us, and that's just another

(10:25):
tragic story floating around the world. Seems like we're up
to our eyeballs and tragedy this Monday morning. But I
was this is you know, fraudways to abuse, fraudway's to abuse. Thomas.
He's one of a roll these lately days. I know,
I know, I know, but I cannot bide this. It's
going on everywhere and afar elected officials would just pay attention,
we could do something about it. Now we've got a

(10:47):
whistleblower claiming the smallly migrant community here in Ohio involved
in a comparable massive social service scheme funding fraud, just
the same way they did it in Minnesota, which was
a billion dollar loss to the American taxpayer. Hio attorney
mehck Cook said, the same sort of theft of public

(11:09):
funding seeing in Minnesota has been going on right here
for more than a decade. Talking with Fox News on
this when she accused of Hio doctors doctors of rubber
stamping the fraud by failing to do any due diligence
with those who are seeking aid, and she said, they're
just rubber stamping a lot of these And then that
same individual a week later that's supposed to be bedridden

(11:31):
is all over social media, whether they're out dancing at
a party or something like that. So these symptoms aren't
really adding up at the end of the day. Isn't
it interesting that you can do that Someone comes in
and claims they're disabled, and then you find out on
social media that you're out partying. How difficult a task
is it to check everyone's social media account? I can't
imagine that's easy, although maybe with artificial intelligence that task

(11:53):
could become very easy. I don't know, but some evidence
is out there anyway showing that people who are claiming
to be disabled are not. She said. The Somali scammers
here in Ohio are exploiting a loophole in the state's
medicaid program, doling out as much as ninety one thousand

(12:14):
dollars a year per individual. That money's supposed to be
paying care for elderly or infirm family members in the home.
She says that Ohio's system is the easiest in the
Midwest to gain. Something tells me listener, Jay is out
there screaming at the radio right now now, She points
out to some blame the Somali fraud case on the

(12:36):
country's culture. And here's where I go. Don't you feel
like we're being overrun? The cultural norms of people who
are living in foreign lands who come here are not
the same as the cultural norms here. It's not sort
of the traditional Judeo Christian ethic where you have some
ethics in some norms and some societal obligations to each other.
No amoral familiaism a cultural blueprint in the Somali community.

(13:03):
According to ion Hersi Ali, who fled from her Somali
father to live in Europe, it is assumed that survival
depends on extracting maximum benefits for one's own family, despite
the fact that it could damage fellow citizens. This apparently
is the social normal and Somali community. I'm only reading
what I speaking what I'm reading, but I'm sure there

(13:27):
are cultural differences between folks from other lands and here
in the United States. Maybe they don't care about the
United States. Here's a fun fact you might want to
just sort of bake into the cake of your analysis
on this. Are there people out in society here in
the United States that don't have a damn about the
United States or its long term survival? People who might, Oh,

(13:50):
I don't know. If you the welfare state as an
opportunity to take back from the man. Huh. If it's
easy to sign up and get welfare benefits and you
don't have to work, even though you're able to work,
maybe you have such a grudge against society because you've
been raised in a K through twelve education that says
the United States is well born of original sin and

(14:11):
not worthy of us staying together, like, well, screw it.
You know, if you're not going to pay any reparations
for example, not just pointing to the reparations group, but
maybe if you're from the Somali community, screw the United States.
I hate those people. I'm gonna go there and take
from them as much as I can. And you can
take the word Somali out of that and put really
any other culture out in the world. Do they have

(14:32):
any allegiance to the United States of America? Probably not.
Are we an easy mark? Hell yeah, hell yeah. Clearly.
It's so easy to commit fraud against the American taxpayer
by glombing onto one of these programs where there is

(14:54):
no follow up. No no one is going out into
the world and checking social media accounts to find out
if someone who claims are disabled is out dancing and
partying on the weekends. We don't have a system that
looks into that kind of thing. Cook explaining how the
scam works talking with Fox News, say, I want to

(15:15):
take care of my elderly, aging parents. At some point
I can become a home health provider. And this is
where the Somali community has been really clever. They've been
able to find loopholes in Ohio law to provide for
care for family members even when they don't need it. Said,
we have entrusted states to look at the funding and

(15:36):
to allocate it, to build programs, to build rules and regulations.
But you knew that was coming. Unfortunately, in states like Ohio,
it's being infiltrated and broken down because you don't actually
have the independent assessments with not only doctors but somebody
at the Department of Medicaid coming in. So a lot
of times what's happening is an individual is coached to

(15:59):
lie to a doctor. But we're seeing in Minneapolis is
just a snippet of what's happening in Ohio. Cook said.
She insists of the system is more at fault than
the smiling community. I agree with her on that anybody
will commit fraud waste. Anybody will commit fraud. They're given
an opportunity to do it, at least a lot of
people because well maybe they have no ethics or morals,

(16:21):
but well everybody else is doing it, so I'm going
to do it too. So let's not blame these smiling
community generally, even though they do have every man for
himself kind of attitude. Whatever if your system is tight
and your system prevents fraud and abuse, if your system
is designed to prevent it from happening in the first place,
I guess the members of the Smiling community, or any

(16:42):
other community in the world, wouldn't go after it and
try to commit fraud because they'd get caught. She pointed
out something which should be built into the system, saying,
I think every state, in addition to Ohio, should be
asking for audits of their medicaid system and their programs.
At the end of the day, Ohio taxpayers are hurting,

(17:02):
the American people are hurting, and we don't have enough
tax dollars. Amen, feel free to give me a call.
I'd be right back with local stories in the morning.
We have breaking news coming to you live right now.

Speaker 2 (17:15):
Everybody that you know. There is something called the Ohio
Joint Medicaid Oversight Committee, and I think it's chaired by
Mark Romanschuck. He's been on this thing for years and
he's one of the big wigs up in Ohio. One
of our laws, yeous Republicans who is really fighting every
day for us.

Speaker 3 (17:37):
And I asked years.

Speaker 2 (17:39):
Ago, could I sit in on this Joint Medicaid Oversite
Committee and the answer is no, you can't sit in
on it, but you can view the meetings after they're done.
And there is a lady whose name is Maureen Corcoran
who is the works for DeWine, is the director of
Ohio Medicaid Department, and I watched a little bit of her. Well,

(18:00):
she gave up or stood up and gave testimony about
where we're at, and all of it was facts and
useless data about not broad waste and abuse. But she
started off probably talking about how Ohio now has the
biggest network with ninety nine percent of the pharmacies in
Ohio now part of Medicaid, Like bigger is better, right.

(18:22):
And Jennifer Gross, who I am a fan of, is
a member of this Jamock Joint Medicine Joint Medicaid Oversight Committee,
bipartisan group. I suppose they get paid extra for being
on these committees. This has been around forever and as
we continued to spiral, and we were last place last

(18:43):
time we had data coming out of the FED showed
Ohio as last place.

Speaker 3 (18:47):
So if we think.

Speaker 2 (18:48):
Minneapolis is bad, Minnesota is bad, we have no reason
to suspect that Ohio is not worse. We just haven't
made the headlines yet.

Speaker 3 (18:55):
So I would love for Jennifer Gross.

Speaker 2 (18:57):
To come on the program and tell us how much
of the discussion at the jmalk and how much of
their focus is on fraud, waste and abuse? Or is
this more of this nonsense the faction and that they
almost were celebrating. Is a jmok's job to grow medicaid
or is the jmock's job to ferret out the fraud,
waste and abuse? And how's that coming from being in

(19:20):
last place? Last time? The Fed gave us a report,
Ohio's last place. Have we achieved mediocrity yet? Can we
have a slogan that says mediocrity in twenty twenty six?
Can we like strive to be twenty fifth place out
of fifty or are we just bouncing off the bottom
and everybody's asleep at the wheel. And you know, Mark

(19:41):
Romanschuck if you're listening, or I from all the listeners
could call him. He's been ahead of this thing for
a long long time. Let's get him on the program.

Speaker 1 (19:49):
Well, I mean, you know the idea, I don't think
it's irreconciliable. If the idea is to grow medicaid if
it's needed and those who truly are eligible out of
the eligibility standards, you can grow it, but you can
also deal with fraud, waste, and abuse at the same time.
I mean, fraudways abuse should be the first and foremost
thing that people are are that the elected officials are
looking for. Stop that from happening and prevent it from happening,

(20:12):
and then the program will either grow or get smaller
as the realities of the parameters of who qualifies dictate.
But why can't we have a program, social welfare, anything
else that prevents that from happening in the first place.

Speaker 4 (20:26):
They don't care aug.

Speaker 2 (20:28):
I think what's interesting though, Brian, when you take a
look at the population of Ohio compared to the growth
of medicaid over the past five years. Our population is flat,
but the growth of Medicaid has gone up by something
like five percent over the past five years. Ever since
Obamacare came out, and as John Kaseik took the deal

(20:50):
to expand Medicaid, i e. Lower the bar let everybody
and federal dollars comes with it. And Jennifer Gross did
explain this before Republic because all of a sudden can
give up their principles whenever there's dollars coming out of
the federal government to incentivize that bad behavior. And the
wine picked up the ball and ran with it as well.
First he was against it until he saw the dollar size.

Speaker 1 (21:12):
That's all there is to it. It's not my money,
it's not the taxpayer money. It's federal money, which is
our money because people in Ohio pay the federal income
tax as well. Just touching the nerve there, Jay, You're
good at that, My friend, appreciate you. Calling Tom's on
the phone. You're gonna have to wait for a minute, Tom,
or out of time, but it's already five thirty five
fifty five kr CD talk station. Hey, don't hesitate to

(21:35):
call you too. Can be right back the days of
relaxing in the drawing room by the raid lead the
talk station five forty fifty five KRCD talks station. Yeah,

(21:57):
I do have a stacker, stupid, but I also have
I'm on the line, Tom, welcome to the show, my friend.
Happy Monday.

Speaker 3 (22:04):
Yeah, good morning. Uh yeah, I'm again listening on the
iHeart app, which I will be doing pretty much every
day since I'm out here in Northwest Indianapolis. I appreciate
being able to do that. It's just as cold here
as it is there. So I think they get it here.
They get it here right before we get it in Cincinnati.

Speaker 1 (22:23):
So did they clear the roads off in the greater
Indianapolis area? Uh?

Speaker 3 (22:28):
Yeah, for the most part, they are. I mean I
drove out here seventy four yesterday last evening and they
just scared. Were some spots in seventy four that were
almost as bad as Coleraine Avenue. I drove Cole Rain
yesterday and that's ridiculous. They're side streets in the Coleraine
area that are perfectly clear. Yeah, but I mean Coleraine

(22:50):
was like it looked like it had been touched. It
looked like the only thing that had been gone on
Coleraine were the cars that were driving on it. That's
what it looked like. Like, are you kidding me? What are
we doing here? Do you think that'd be the first
road that would get cleared off? So anyway, so I
don't know, maybe maybe are maybe we didn't pay enough
levy taxes or something. I don't know. I mean, you know,

(23:11):
whatever's going on. So you you did mention something about
that Cochdale Theater. Yeah, and I wanted to throw in
there you went, you said, I think you said you
went to Prima Vista. There's also a theater right there, Oh, sure,
the Incline Theater.

Speaker 1 (23:25):
Yeah.

Speaker 3 (23:25):
And then there's one up in Springboro called Local Media.
So there's definitely some some nice local talent. And the
one up in spring Row you can get a nice
dinner with it. I don't know, I don't know. I
don't think the one at uh at an Incline kinds
of meal with it, but like the one on spring
like a dinner theater. So it's pretty nice. So there's
some neat stuff to do out there. I'm not really

(23:46):
a theater kind of guy. Some elderly woman that we
that we used to know she had season tickets for
those and and she would take my wife a lot,
and my wife wasn't available. I kind of was the
de facto folling it. It was kind of nice. It
was kind of me too. Anyway, continuing on your discussion
with the fraud, waste and abuse, this is just uh,

(24:10):
political expediency. The last thing you want to be. Well,
let's say there's probably four or five things as a
politician that you do not want to be accused of.
And uh, it depending on the the what's going on
in the even like the weather, the way the winds blow,
and it could be racism, you know. Uh, cutting medicaid,
Oh my god. We don't want to be accused of that.

(24:33):
We don't want to We don't want to be accused
of We don't care about grandma and grandpa and and
all that. And what it comes down to is is
these you know, these people got to be taken care of,
at least a lot of them, do, the ones that
really deserve it. And so we take advantage of this.
When I say we, I mean politicians and grifters and
all that they We're going to take advantage of this,

(24:56):
of this the compassion of the country, and we're going
to make this big pot, all the money so we
can all dip our hands into it. And it's just greed.
Like I talked about last week, it's just greed. I
see an opportunity to gain the system, I see an
opportunity to get mine, and I think, hey, somebody else
has been doing it, why shouldn't I. And there's just
not enough fiscal conservatives in office to make sure that

(25:20):
this doesn't happen, But.

Speaker 1 (25:21):
It's a question. But I mean, fiscal conservatism is one thing,
but is anybody in favor of fraud? I mean, you
can't run on that. You can't run on a lax, loose,
easy to fraud or builk system. So why can't we
all rally around what seems to be a bipartisan reality,

(25:42):
which is, don't make it easy to commit fraud. Let's
stop it before it happens. Then you can campaign on
needing to do medicaid and a lot of people out
there need it and find let's not argue about that,
but keep people who don't need medicaid from bilking the
system and committing fraud. I don't know how you can't
build that into the system with modern technology.

Speaker 3 (26:02):
Because the fraud is what makes the greed possible. Without
the fraud, without all the extra money going into these
big pots of money allegedly, which they're not really big
pots of money, we'll just keep borrowing and borrowing. But
you know, people look at like, I mean, we've mentioned it.
I don't know how many times that people assume that

(26:22):
if the federal governments involved in something, there's an endless
supply of money and because of the way government is run,
there seems to be an endless supply of money, but
there isn't an endless supply of money. But without the fraud,
people aren't going to be able to write chests for
themselves or for their family members or or whatever. All
the crap that people do to defraud the system. They

(26:43):
don't want to be honest because if they were honest,
that's less they would get. And that's what it comes
down to. People are greedy, they want something, they want more, whatever,
and they're not willing to only do it honestly and
get it the way they've agreed to it. They're going
to find a work around the system. That's what's going on.
So and everybody is guilty of it. All Republicans, Rhinos, Democrats, independents,

(27:06):
they're all guilty of it. There's a handful of people
that we can say, well, we haven't seen or heard
anything that they've done anything wrong, but everybody is guilty
of it. So what do we do get rid of
all of them? Well that's not actually possible. So what
we do is and next time there's an election coming up,
we know, generally speaking to the side of the Ledger
of these people are on. They're Democrats, they're rhinos. There

(27:27):
are people who are pretending to be Republicans and saying
all the right things that they don't. They don't do
the right things. They keep voting, they keep allowing this crap,
They keep allowing the federal government to come in and oh,
we'll give you a bunch of money if you let
us control this. Now, say no, say no to rhinos,
and don't vote Democrat. Have a good day.

Speaker 1 (27:44):
Baron finally got it out of a system, just waiting
for that. Five forty five he talks the talk station
five fifty one fifty five care se Detalk station Monday,
and you get a stack of stupid story or two
in here. This is well. The first sentence reveals how
backcrap and saying this when we got to Lakeview, Texas,
where we got a woman pleading guilty to breaking into

(28:06):
her neighbor's home, fatally shooting her and drinking her blood,
do what the hell please call to the home belonging
to forty five year old Angie Melissa Moore about midnight
September sixth of twenty twenty two. Brand new story though
wearing a person that was attempted to break through the window.

(28:27):
When arriving at the home, officers found fifty four year
old Cynthia Ming quote completely naked close quote and covered
in blood. Corner of the affidavit fame by the outlet.
Ming attempted to flee the scene, prompting officers to deploy
a stun gun that was ineffective. One officer eventually managed
to apprehend Ming, while other officers entered Moore's home and
found her deceased and laying in a large pool of blood.

(28:50):
Ming told police that after she broke into the home,
she took a firearm from the victim's hands shot her
in the head with it. She claimed that she did
it because Moore quote killed her dog close quote that
accorded the affidavit. Being admitted to the hospital, Ming allegedly
told staff that she broke into Moore's house through the window,
killed her, and yes, drank her blood. Her words during
the trial, which just recently ended, Moore's family revealed years

(29:12):
of harassment Ming inflicted on the victim. Moore's mother called
Ming a force of pure evil that lives across the street,
saying more it had put up with aggressive, demonic harassing
for at least three years prior to the murder. Ming
pled guilty and accepted a pleatdale, resulting in her being
sentenced to fifty years in prison. Oh all right. Family

(29:44):
therapist Tom Kirsting talking about a case with Fox News
speaking of a Florida micro influence What is a micro influencer?
Arrested in November after making second advances on her teenage
son's friend, coursing him to touch her breast while complaining

(30:05):
about her husband. What I Know? Forty one year old
Lisa Marie Singh arrested outside of an Apple's and Applebe's
in November after anonymous tipster notified authorities. Singh, who had
an active warrant for arrest, was at the restaurant. She
was charged with two counts of indecent ludorless sivious touching
of certain miners in violation of parole. Jacksonville Corrections recres

(30:27):
indicated she remained in custody with one hundred thousand dollars bond.
Charges them from a September incident in which the alleged
victim went to Singh's home to meet her son, but
he was not there. Sing lugedly invited the group of
teens over earlier in the day after an altercation with
her husband a lot at the house, the victims said
sing quote displayed for alertatious behavior toward him, rubbing his

(30:51):
arms and shoulders and calling him babe. One point, the
victim was left alone in a room with her, and
he told deputies that she ranted to him him about
her husband's inability to satisfy her sexually phrasing saying allegedly
told the scene that she wanted to blank the S
word out of him, phrasing before exposing her breast and

(31:13):
insisting that he touched them, kissed the team several times
and followed him over his clothing. Record to the court records,
the boy told authorities that he did not object because
he felt extremely awkward and uncomfortable. She's accused of threatening
to inflict harm on the team if anyone told about
the encounter. Sheriff's office noted that she did not participate
in an interviewer answer any questions, referring deputies to her lawyer.

(31:36):
The Florida influencer I guess micro influencer because apparently she
has only seven thousand followers on Facebook. Also thirty five
hundred followers on TikTok brands herself as hashtag boy mom
in her bio. Her attorney didnt immediately respond to Fox's

(31:59):
comments tions for a comment. Okay, welcome to the world
of social media. Your kids are out there all the time.
Just thought let you know you might want to do
something about that. Fivefty five, fifty five krsity talk station.
Got a whole hour of power coming up at six o'clock.
Your calls are well, quite welcome. Not fired out all

(32:21):
soldiers this morning. My apologies to every one of the
listening audience. We'll be right back after the top of
the air news today.

Speaker 5 (32:27):
It's tough headlines coming up at.

Speaker 1 (32:29):
The top fifty five care talk station. It's six or

(32:54):
six here a fifty five carosity talk station, trying to
make it a happy Monday. In spite of everything that's going.

Speaker 6 (33:00):
On in the world.

Speaker 1 (33:00):
It's pretty depressing when you look at the weekend, although
I did have a fantastic weekend. Thanks again to Mom
for the wonderful time we had, and props of folks
over at the Covidlle Theater for doing such a wonderful job.
It's Tom pointed out lots of local theaters and a
whole lot of talent in the area. So maybe it's
a perfect time of year to appreciate what we've got
here locally. I can't give you enough encouragement to do

(33:22):
just that. Five one three, seven, four nine fifty eight
hundred eight two three Taco with pound five fifty on
AT and T phones. Got something you want to talk about,
please feel free to give me a call. Fifty five
case dot comedy can't listen live? Coming up in the
Morning Show seven twenty on a Monday means the smith Event,
former Vice mayor of the city since Saint Christopher Smithman
joins a program for a few segments, gets it out
of a system and also amaze us and make some
great points. Money Monday with Brian James Today fed rate cut?

(33:45):
What does that mean for us? Anyway? Hopefully mortgage rates
will come down, won't solve the supply issue? Is there
an AI bubble and will it pop? Mmm? Can you
answer that question? Plus required minimum distribution deadline for four
to one K holders and others related there too. You've
got a deadline coming up and Brian James gonna tell
us all about what that means. Then we're going to

(34:06):
hear from the since a VAI Center, doctor Radika Ramananden
is going to join the program at eight forty my
veteran friends the Viai Center online and ready to help
you out. So sign up for your VA benefits D
two to fourteen discharge all you need anyhow, want to
see here. I considering this stack of stupid in the

(34:27):
yet one more illustration of social media and how it
has just got this terrible impact on children, and I
had I was just sort of speculating on Australia, which
already has implemented its ban on teenagers accessing social media
now just sort of, you know, conceptually speaking, I think
it will be a great idea if children under the

(34:49):
age of sixteen didn't have access to social media, because
there's a lot of twisted, sick criminals out there that
want to do bad things to your children. So on
its surface, it sounds really good, although after more thoughtful
analysis it turns out that that may ultimately be you know,
the segue or or you know, foray into everyone having

(35:12):
an online identification. In other words, we will all be numbered.
And I certainly don't like that, But isn't the solution
in our very hands. If you knew that you're a
young person, your child, presumably the love of your life,

(35:36):
was going into an extraordinarily dangerous situation, wouldn't you do
something to stop them from engaging in whatever behavior is
going to lead them down that path? I would like
to think everyone, Yeah, well, that's social media. And so
of course when there's a problem, government has a solution, right,

(35:57):
So we have lawmakers bipartisan, you know, collection of lawmakers
advancing certain bills to address violence and sexual abuse in
an effort to crack down on child exploitation. These are
your children we're talking about here. So you've got Senator
Chuck Grassley, Republican from Iola, and Dick Durbin, Chairman and

(36:18):
ranking member of the Senate Judiciary Committee, introducing legislation in
an effort to come back this terrible problem that is growing.
Grassing in his statement, changes in technology have created new
opportunities for criminals to harass, exploit, intimidate, and harm American children.
These horrific crimes, often committed by violent online groups who
take advantage of our nation's outdated laws, have gone unchecked

(36:42):
for far too long. And I was going through this
and I kept thinking, if you know this is a problem.
Do you need a government solution? Can you not take
matters into your own hands and prevent your children from
accessing this material? Now, I know it's more complicated than

(37:03):
taking away the device. I always go back to my childhood. Yes,
the next door neighbor had George Carlin's LP with the
Seven Dirty Words, and hell no, you couldn't have anything
like that in the Thomas household. All you had to
do was go next door. So taking your own child's
device away from them might still allow them to go
next door and surf the web at a friend's house,
but it'll certainly cut down the volume, won't it. Dick

(37:30):
Durban similar comment from to grass Leaves. Because of modern technology,
child predators from anywhere in the world can target American
kids online. This technology has evolved, so have online child exploiters. Right,
It's like going back to fraud wasted abuse. If you
figure out there's a way to get access and commit
a crime and in yours to your benefit, whether financially

(37:51):
or because you are a sick, twisted individual who thinks
exploiting children is a good idea, Welcome to the Internet.
So we have the first of multiple pieces of legislation
the Echo Act Ending Coercion of Children and Harm Online Act.
It creates new climes crimes explicitly prohibiting coercing children into

(38:14):
physically harming themselves or others. Penalty for committing the crime
includes sentencing that could put it a perpetrator in prison
for life. Fine. If it passes, it'll impose a thirty
year maximum penalty for conduct that is harmful to the
victim but doesn't involve death. Now why would they bring

(38:35):
this about, Well, increase in activity of dangerous groups that
prey on children online. Welcome to the seven to six
FORI network, particularly nefarious and twisted. The FBI is tracking
what they call nihilistic violent extremists to engage in criminal
conducts seeking to destroy civilized society through the corruption and
exploitation of vulnerable populations. Well, there's a mouthful. According to

(39:00):
the FBI, though, the network's methodically target and exploit miners
and others, threatening blackmail in other forms of manipulation to
course or extort victims. So take this illustration. Mother of
a child exploited by this seven six y four group
told the National Center from Misinexploited Children that the individual
pushed her daughter to cut the member's screen name into

(39:25):
her arm with a razor blade. Then after she did that,
was told that she was a good girl and that
this person loved her, And to mom's surprise, the daughter responded,
I love you too.

Speaker 4 (39:36):
Nah.

Speaker 1 (39:36):
Okay, probably one of the lesser crimes committed. By what
I've read about this seven to six y four group,
She said, these guys are very scary. This is the
mom whose daughter cut the name into her arm. Just
the power they have over my daughter is mind blowing.

(39:57):
Please help exclamation point. And that's when I go back
to the conclusion. Is it that difficult to help your
daughter get away from that stuff? Is there not a
mechanism or something you can engage in, like taking the
devices away from them or using one of the many
tools out there that Dave Hadters brought up time to
time on the Tech Friday segment. There are resources out
there that allow you to either track what your children

(40:19):
are doing or prevent them from gaining access to it.
Do you need a law to help your children stay
away from these evil people? I don't think you do.
I can't be the one taking the social media device
away from my child. I'll be that parent. I don't
want my kids to hate me, really, oh so allowing
them access to a group like seven sixty four who

(40:40):
are actively going after your children are using the Internet
in any way humanly possible to well engage in their
twisted perversions. Next up, the Stop Sextortion Act, sponsored by
the same Judiciary committeeads allow with law enforcement to target

(41:01):
those who distribute sexual abuse materials as a way of
controlling intimidating children. The bill would increase the maximum penalty
for these offenses from five years to ten years. Lawmakers,
citing data from the National Center for Missing Exploited Children,
reported that in twenty twenty four, the number of tips
sent to the tip line about quote sadistic online exploitation

(41:25):
jump more than two hundred percent over the prior year.
It's a growing thing. Tips to the National Center for
Missing and Exploited Children included ongune groups or individuals encouraging
children to harm themselves, including cutting, creating child sexual abuse

(41:48):
materials and sexually exploiting other children, including their own siblings,
harming animals and committing murder and taking their own lives. Well,
hell yeah, that's something I want my children. Call those
two said many instances involve financial threats by criminals who
convince the victims to send graphic images and then demanded money.

(42:10):
Oh one more, The Safe Act Sentencing Accountability for Exploitation
Act seeks to repeal outdated sentencing for those involved in
the production, distribution, and child sex abuse materials. The bill
will require the US Sentencing Commission to develop sentencing guidelines
specifically for this type of material that can take into
account modern problems relating to the dangerous conduct sentencing guidelines.

(42:32):
Maybe that is directed towards the judges out there who
might give these twisted perverts a pass after they've been
proven guilty beyond a reasonable doubt, or cop cop to
plead having done it. Well, i'd let them out, but
according to the sentencing guidelines, I've got a sentence of
the prison. Yeah. Well, someone's out there making you do
your damn job. FBI is warning of a sharp increase

(42:56):
in activities from not just seven to six y four group,
but similar or other networks are out there. Yeah, there's
more than just one. According to the National Center for
Missing Exploited Children, the group is producing this is their word.
Some of the most sadistic online enticement reports it's ever seen.
The group has been known to prey on victims as

(43:17):
young as nine years old, and to which I think, huh,
a nine year old has access to all this social media?
Why why tell me I'm wrong? Five one, three, seven, four,

(43:42):
nine fifty eight hundred and eighty two to three talk
Pound five fifty on eight and t fune save me
for myself. And these are just sentencing guidelines. You got
to catch the bad guys. You got to prove the
crime be on a reasonable doubt for these sentencing guidelines
to even come into play. Your child could be the
one that's exploited, and maybe they won't find the perpetrators.

(44:02):
Maybe the sentencing guidelines won't even come into play because
the person who influenced your child that cut themselves, harm
themselves or take a selfie while they're NEWT is somewhere
out in the ether, somewhere in the world. Six seventeen
fifty five kr s the talk station. Really that's really

(44:22):
just fifty five KRZE the talk station six twenty two
on a Monday, and a happy one to you. I
got to go to the phones, and thank god I
can do that. Five one, three, seven, four, nine hundred
eight hundred eight two three Talk Jamie, thanks for calling
this morning. Welcome to the Morning Show.

Speaker 7 (44:41):
Good morning, Brian, thank you. Yeah, this topic of social
media and kids just grabbed me. I own a school,
we do no technology, we do no phones. I go
through eighth grade, and I am seeing in real time
the difference in the family who allow phone and pads
and all of that with the families who don't. And

(45:05):
I don't think people have any idea the shutdown that's
happening and the children, with their brains and their hearts
and their ability to socialize, it is. It's so critical,
and yet it's difficult to get the message out to
families because frankly, it's very difficult to keep that away
from your kids when the rest of the world is
doing that.

Speaker 1 (45:25):
Well. See, and I understand that component, Jamie. You know
you don't want to be that parent. Oh my god,
your parents won't let you have social media? What kind
of house do you live in? You know, it might
create some source of stress between you and your children.
But you know, my philosophy has always been I'm not
my children's friend, I'm their parent. I'm there to provide
guidance and wisdom and keep them out of harm's way.

(45:46):
And you know, I haven't been completely successful, but my
wife and I tried. Unfortunately, my kids were just a
step or two ahead of this vast wasteland that is
social media. But if you move from social media and
you think about the hours and weeks and you know,
years of time kids spend just mindlessly staring at a
video game. To your point, they're not socializing, they're not

(46:08):
engaged in person of person communication, they're not out playing
in the sunshine. So you know, that was the fore
way into where we are now, which is this twenty
four to seven interaction. And now it's moving over to
artificial intelligence where they're having conversations with AI and they
even think that they're a real person out there in
the world, or pretend that AI is a real human being.

(46:28):
There's nothing but bad I can see in any of this.

Speaker 7 (46:31):
Jamie, Right, And I think if adults think about, like
when we grew up, we had our sphere of influence,
was our physical sphere of influence. So we were protected
in many ways because we were only navigating what was
in front of our face, or in our neighborhood or
in our school. Yeah, and the kids have absolutely no

(46:54):
cognitive or developmental ability to process and understand this stake world,
and it is it really is devastating. I am seeing
some schools kind of pulling back and taking technology back,
but they're putting two year olds on iPads and daycares
in the public schools. They're putting five year olds on

(47:14):
iPads in kindergarten, and they're wondering why they're not reading,
and why they're not doing math, and why they can't
problem solved with a friend, you know, Jamie, can.

Speaker 1 (47:23):
I just ask, is that the modern day equivalent of
the teacher just flipping a movie on rather than teaching
children in class? Remember those days?

Speaker 8 (47:32):
Wow?

Speaker 7 (47:33):
Well, yes I do. And you know, I think it's
way worse than that for sure. But it is a disconnect. Yeah,
it's a massive disconnect, you know, and it's a deeper disconnect,
and it's a more you know, devastating one. Because I've
also asked families to take technology away from their kids.
And when we see that, it is amazing, but it
takes a lot of time to come out of it

(47:55):
and to kind of, you know, find the child within
this world that they have been in. And it's not
you can't ever do it fully because they've already you know,
experienced it. But it is you know it is also
you can do it. You know, you can take it
away and change your mind and just stand firm and
your family because it's worth it, because we're literally losing kids.

(48:16):
We're losing them in their minds and we're losing them
to death because they're seeing things on social media and
the people who don't realize that there are entities out
there after the kids, you know, are not paying attention.

Speaker 1 (48:30):
Yeah, every evil in the world that you can possibly
come up with is a little key stroke away from
your children and use as I mean, use your imagination.
Think of the worst possible thing you can come up with.
And let's say, Okay, I hear it, I see it
in my head. I can I can envision that it's there,
it's online, and you got a nine year old consuming

(48:51):
that kind of stuff. Isn't there something you can do
about it? Of course there is. Jamie has proved it.
Take it away from them. Six twenty seven fifty five
Caresy the talk station, Maureen hold On, I definitely want
to hear from you, but amount of time and I
want to mention Pharisee Deep Talk Station. Coming about six
thirty two. Fifty five KRCD Talk Station. Love hearing from
the listeners five on three Seedy two to three Talk Marie,

(49:13):
thank you so much for holding over the break there.
Welcome back to the fifty five Carcene Morning Show.

Speaker 6 (49:18):
Good morning, Brian. As you may remember, President Trump signed
a bill on November twentieth, and they ordered the release
of the government files on Epstein. Yes, and he gave
it thirty days to publicly share all the information from
federal investigations into the Epstein information. So that thirty day
period will be up this Friday. And I thought that's

(49:41):
interesting because two days prior to that, this coming Wednesday,
if Bill Clinton is due for his deposition and Thursday
Hillary is due for her deposition, and they've been warned
by James Comer to not stall anymore because they were
supposed to do that last month anyway, So they've been
warned that they have to appear or they will suffer

(50:02):
contempt of court charges. That's coming up this week.

Speaker 8 (50:06):
I don't know.

Speaker 6 (50:06):
They were also given that they could reschedule for January,
which is what they'll probably do. But I think it's
kind of interesting that their schedule is the Wednesday and
Thursday and then Friday is when the when Trump's information
is due. So I think that timing is pretty pretty interesting.
One other thing I'm sorry.

Speaker 1 (50:24):
Oh, I just want to do is a subpoena related
to the Epstein files.

Speaker 6 (50:28):
Oh, definitely. The House Oversight Committee Chairman James Comer, he
warned them that they were due. They what they did
was they stem the stems from a subpoena by the
Federal Law Enforcement Subcommittee back in July, and it author
authorized testimony from ten high profile individuals, including Clinton, William Barr,

(50:51):
Robert Mueller, Loretta Lynch, and James Comey. So that's they're
blumped into that group. And that's a this week. So
another interesting thing is, you know I listened to the
General's podcasts and things like that. Well, it's it's being
said that we should be expecting a national election emergency

(51:12):
from President Trump and after that because of the things
that we learned from ADUA whistleblower about all the election
fraud that happened domestically and internationally and the interference on
our elections, and also coupled with the Tina Peters information,

(51:32):
I don't know if you've been following the story on her.
She's the Mesa County, Colorado. She was the clerk, the
county clerk in Colorado, and they used a minion voting
machines on the twenty twenty election and people were after
that election, people were questioning the down ballot results and
so what happened was she started to look into it.

(51:54):
Even though Trump won in that area, the down ballot
in election results did not match up. So when they
called for that, she wanted to look into it. So
she contacted Dominion about that and they said they were
going to be sending somebody out to do what's called
a trusted build and that's where you review the software,

(52:15):
and she had about she didn't really trust that, so
she wanted to go ahead and do a picture of
her machine before they came and did that trusted built,
And she asked if she could do that and they
said no. Well, she found that it was in her
job description that she would be allowed to do that,
so she took it upon herself to have an IT
specialist come in and do just that. They made a

(52:36):
copy of a machine with photographs and basically did a
friends at copy. Well, then Dominion came out and they
did their trusted build. After they left, she had an
after copy done and it didn't match up. They said
twenty nine thousand files had been deleted or altered. So
apparently the people that did the electrical part of this,
they'd been testifying in their own protective custody and grand juries.

(53:01):
So that with that information that Trump has coupled with
the Maduro information, it's believed by these generals that he's
going to have a national election emergency, which will then
write an executive order outlining how our future elections will
be held. So it is strongly believed that by the
time our midterms come, we're going to have hand counted,

(53:21):
watermarked paper ballots, clean voter rolls, and in person election results.
You won't have any machines. There will be no mailed
ballots and no drop boxes.

Speaker 1 (53:33):
It'll be interesting lawsuit that will certainly ensue after that
if it is that declaration, Because of course federal elections
are one thing that you have state elections which are
governed by state law, so interesting constitutional challenge will be
most certainly following that. But I'll take anything that will
result in our faith in elections. But declaring an election

(53:57):
emergency sounds to me like one more thing which reduces
the amount of faith we have in the United States
government generally. And so the development in and of itself
is troubling to me. But if there's a genesis, so
there's a reason for having to go down this road,
which of course you've been following for a long time, Marine,
then it's a road we need to go down.

Speaker 6 (54:16):
Yeah. Well, one important thing. Tina Peters is in prison.
She's been there a year and a half for this.
She's dying of cancer. She was in remission and now
they can't get her out. Trump pardoned her last week,
and Colorado refuses to give her up. So there might
be a real standoff in Colorado that people keep an
eye on because this is going to be pretty big.
It sounds like, yeah, she's getting abused in prison.

Speaker 1 (54:39):
It just further to my point originally when you first
were bringing up election challenges, it's like you got to
wait for the information to come out, and look at
how long it's taken for this type of information to
come out. It's slow. The wheels of justice are very slow.
So I do appreciate you staying on top of it. Maureene,
and I certainly appreciate your tuning into the program and
giving us a ring from time to time. Best of health,
loved you and Mary Chris to you and your family

(55:00):
six thirty seven. Right now, if you have care Seed
talk station, whether you're buying a new home, refinancing your existence.

Speaker 4 (55:05):
Air ce the talk station.

Speaker 1 (55:08):
Sixty two. If if you have car CD talk station, Happy Monday.
Feel free to call if you like five one three
seven fifty eight hundred d two three talk. Can't wait for
Smithman to join the program. Coming over to the next
hour at seven twenty uh Governor of Wine. A lot
of you on my listening audience not real thrilled with
Governor of Wine overall. But you can make your own
decisions on that. But in terms of endorsing who's the

(55:29):
next governor, he's not endorsing Vvke Ramaswamy yet. Anyway, what's
the problem. Look, Reporter Morgan Trow sat down with him.
I think whoever the successor is, I'm sure that they
care very very deeply about Ohio and they'll do a
good job. According to Governor to Wine, you got two
people right now, is anybody else running for governor beyond

(55:51):
Amy Acton and Vvke Ramaswami. Viveke Ramaswami has the Republican
Party endorsement, does he not, Charl asked him. Of the
two people who are seeing as top candidates, you have
Amy Acton on the Democrat sidet. You have Vvke Ramaswamy
who's the republic on the Republican side. You and hear
very very different personality, but also policy beliefs. Do you

(56:13):
feel comfortable endorsing somebody who differs from you on school's, health,
education and immigration. I'm across the board with Vvke on
those issues. Anyway. To Wine, Well, first of all, I've
said I'm going to endorse the Republican nominee for governor,
and Vvke and I have sat down right here and
had a number of conversations. I think three very long conversations,

(56:34):
he thinks anyway, and our plans are to continue to
do that talk and to have more conversations. I'm not
sure that we're that far apart. Really, he has not
been in office before, and what I'm simply trying to
do is relate some of the experiences that I've had
in my fifty years in government. And I also talk
to him and hear from him about where he thinks

(56:55):
Ohio needs to go and what his goals are. Is
he having a similar conversation with Amy Lockdown acting, Oh,
you think he should be talking to himself in the mirror,
Joe and have a deep conversation with his own actions
as governor. There's an interesting thought, little introspection, perhaps, So
trou asked him directly. Has vv Ramaswamy not earned your

(57:17):
endorsement yet? Dwine? I think it's a process. I didn't
know him. I met him a couple of times, but
didn't really know him. An endorsement is a serious thing,
and I don't know how impactful it is. I'm not
sure that people really care who endorses whom. I think
ultimately it comes down to the candidate. So the endorsement

(57:37):
I think is hyped a lot more than it really
is worth. But for me, I want to get to
know him. I'm still doing that. We're still discussing issues,
but I fully expect to endorse the Republican nominee for governor.
I've really enjoyed these conversations. Blah blah blah. So he
hasn't endorsed him, he does have the Republican Party nomination.
I'm again, is there somebody else running as a Republican

(57:57):
anybody else have an opportunity that is better than vi
Vike Ramaswamy. And you know what he does know and
has talked to many many times, probably more than three. Yeah,
Amy acting. And interestingly enough, throughout all this conversation that
he had with with mister Trow Morgan Troud doing the interview,

(58:18):
he didn't ever reject Amy acting as a viable candidate.

Speaker 6 (58:23):
Hmm.

Speaker 1 (58:28):
I know that's left me with certain conclusions about the
current governor. Six forty six fifty five K see the
talk station when I'm fifty five hundred eight D two
three talk and I jump over to the phones. I
have Jennifer on the line. Jennifer, thanks so much for
calling this morning. Happy Monday to you.

Speaker 9 (58:43):
Oh, happy Monday to you.

Speaker 8 (58:44):
Brian, thank you.

Speaker 9 (58:46):
I wanted to tell you the first time I heard
Vivic talk, I was voting for him.

Speaker 1 (58:50):
Yeah.

Speaker 9 (58:51):
And the other thing is he my mother went to
Xavier Girls High School downtown years aig go. So my
mom is a Xavier Muskie. And well she's not here anymore.
I mean she passed away at.

Speaker 1 (59:07):
Eighty nine I just I'd like as if having, you know,
being a Muskie or not is really the the what
it comes down to when voting for governor of the
state of Ohio. I'm just was chopped over that.

Speaker 9 (59:18):
I know, in my opinion, he's my guy.

Speaker 1 (59:21):
Yeah, he's brilliant.

Speaker 9 (59:23):
And I really he's a very smart and intelligent man.

Speaker 1 (59:27):
Yeah, and you know what, he doesn't need the job, Jennifer.
It's another thing. He's like independently wealthy. I kind of
I have a profound appreciation for someone who does sort
of the noble thing. It's like our forefathers. They would
serve in government. They would leave their farm, serve in
government for a term or two, and then go back
and work the land. You know, this wasn't a permanent position.

(59:49):
They weren't in government for fifty years. Like Mike Dwine right,
you know.

Speaker 9 (59:53):
Oh my god, don't even bring his name up. Something
to be said, but Govivet, that's what I say.

Speaker 1 (59:59):
Go there you go. Thanks for the college, Jennifer, I
appreciate that. And thanks to Maren who just forwarded an
article to me. And I had seen this article. But
let's put two and two together. So he has not
endorsed Ramaswamy, but he hasn't rejected Amy acting either, but
he is providing some cover for her. Amy lockdown acting.
Oh no, that wasn't her decision. It was mine. The

(01:00:23):
decisions that were made during COVID, they were my Governor
Dewayne's decision. So no one should blame someone else if
they don't like it. The buck stops with me. Now
I agree with that follow up point. Buck stops with him.
But who did he rely on her? He didn't make
this no drinking after ten o'clock roll up. That was
doctor lockdown acting. Right spokesperson for Ramaswamy, Connie luck Quota,

(01:00:49):
is saying, well she led. She led, OHI to be
the first date to shut down public schools during COVID,
causing thousands of students to suffer from mental health and
academic consequences, which I will acknowledge. We did really know
what's going to happen until while we got the results
after the lockdown and found out our children are struggling mightily.

(01:01:09):
She was responsible for signing orders to close businesses and
other spaces as the state Health Director, which was an
emergency power that was granted by Governor Mike Dwine. Here's
a quote Alex Cheranta Filo, you might have heard of him,
chairman of the High Republican Party, say what you want

(01:01:31):
about the Higher Republican Party said well, he says, well,
we love the governor, whether or not you do. He
is chairman of the Republican Party. So Alex really is
obligated to say something like that. But he also followed
through with this. He's not a scientist. He again, Governor
de Wine is not a medical doctor. He relied on

(01:01:51):
her and she got it wrong. Amy Lockdown acted, Dayne said,
I got advice from her. I got advice from people
around the country. I was trying to get as much
information as I could about something that we did not
know much about, and I made the decisions based upon that.
But they were my decisions. They were not. They were
not he said it twice, her decisions. Why is he

(01:02:12):
providing cover for her? If you're the Republican governor of
the state of Ohio, a red state as dysfunctional as
we are, even in an all red state, why would
you offer words of support for the Democrat nominee of
the Democrat challenger for governor of the state of Ohio.

(01:02:34):
I think it's a legitimate question to ask, what the
hell is his deal? And you know, if he was
getting information or advice from around the country. They didn't
lock things down in Florida, I recall him locking things
down in Texas. Either those states thrived and survived during
the entire period of time. Who did they rely on?

(01:02:54):
That governor of Wine apparently had information in fact that
he chose not to follow their path. It makes for
an interesting conversation. Elections have consequences. Let's not do it
to ourselves again. And if you've got a problem with
Viva Ramaswami, I'd love to know what it is. That's

(01:03:14):
an interesting thing if you're against the man for any
particular reason. Not that you're endorsing necessarily any acting, but
if you've got a problem with Ramaswami, I'm curious to know,
because I really can't find anything that I can fault
him with. Brilliant man, successful and might be free of
the fraud, wasted abuse concerns that a lot of us

(01:03:35):
have about politicians who have nothing end up leaving office
multi multi millionaires. He's already achieved that status, coming up
with six fifty six ifty five K city talk stations.
Stick around. Simith, theman's going to join the program at
seven twenty. We've a little talked about between now and then.
I sure hope you can wait around for that.

Speaker 5 (01:03:51):
Today's top headlines.

Speaker 1 (01:04:16):
It's seven oh six fifty five, karsee de talk station.
Try to make it a happy Monday. It's got to
be something positive out there in the world. And love
to say happy Honika of my Jewish friends. But of course,
this terrible tragedy in Australia with sixteen dead and forty wounded.
He cast a paul over the entire honic A season.
It's just terrible, you know, I just have to observe.

(01:04:38):
I have never understood anti Semitism. I really haven't ever,
And of course it predates the creation of Israel, so
people have hated Jews for a long time. I understand.
Isn't that racism? You hate a people because of their race.
I think that is definitionally anti Semitism. A father and

(01:05:02):
son were the ones responsible for this horrific mass shooting. Again,
sixteen people dead and one of the gunman thankfully is dead.
The other one is hospitalized. Porn of the New South
Wales Police Commissioner maol Landen. Where were the police anyway?
These people were firing into a group of Jewish people
celebrating the beginning of Honukkah and they were able to

(01:05:24):
do so for more than ten minutes. Fifty year old
men and a twenty four year old son were responsible
for it. Again, Dad is dead. Son in critical but
stable condition in the hospital. Oh look in you can't
have a gun in Australia. He was the father a
licensed gun on her own, six legally registered firearms. They're
all recovered. Of course, they did a raid on his

(01:05:46):
place after the murders. The murders were committed. Commissioner told
reporters that the father met the eligibility criteria for a
hunting license used for recreational hunting classified as a Category
A Slash B firearms license, which allowed him to possess
the well the long guns that he had. He had
shotgun and long guns. Was a bolt action rifle involved

(01:06:08):
in his shootings as well as a shotgun. Commission also
to reporters that the father held the gun licenses for
ten years, so ten years without going around and murdering anybody.
Was he radicalized at some point between gun ownership approval
and well the other day police commissioner said there was
very little knowledge of either of these men by the authorities.

(01:06:29):
The person was determined to be entitled to have the
firearms license, and the person had firearms license for a
number of years for which there were no incidents. Anybody
think there's going to be a call for no firearm
licenses under any circumstances whatsoever. And will you as a
society feel better if that is in fact the law
where only criminals own firearms and you're not entitled to
have one. Hmmm and wow, what an amazing display of heroism.

(01:06:55):
I hope you've seen the video. If not, it's worth
checking out. Ahmed ah Ahmed forty three years old, a
true hero. He wrestled that gun from the one of
the attackers while that person was firing into the crowd.
And I don't know about you, My first reaction was

(01:07:16):
when he wrestled that gun away from him and pointed
at the at the time person who was murdering the
Jewish people on the beach. I thought he was gonna
squeeze a round off. I couldn't blame him. He is,
of course, being held as a hero, which is everyone
should there's actually a go Fundme page that's been opened

(01:07:38):
up for him. As of yesterday, I guess over a
million dollars has been put together for the hero. Joe
Strecker observed, and I thought it was a comical comment,
intended to be comical under very tragic circumstances. He wondered
if the Australian authorities are going to charge Ahmed Ahmed,

(01:08:00):
the hero in this matter, for holding onto a gun
that he didn't have a license for that temporary period
of time Joe where he was after he wrestled the gun.
It's possible, It's certainly possible. They also found improvised explosive
devices apparently at the scene and in one of the

(01:08:20):
homes where they executed the search warrant. Apparently they were
active IEDs and ultimately rendered safe by the police. It
was an annual celebration they called it Honika by the Sea,
scheduled to start at five pm to celebrate the first
day of the Jewish holiday by lighting the first candle
of the Minora. Shooting happened about an hour after the

(01:08:41):
celebration started. And as anybody else think that more of
this is going to happen, I think it goes without saying,
doesn't it. And they broke up a ring that was
going to commit horrific acts against the Jewish people in
Europe the other day. So this kind of thing is
going on all the time. I just don't understand the hatred,
where it comes from or why. You know, it's so

(01:09:04):
reminiscent of October seventh. Innocent people at a concert, children
elderly slaughtered, horrifically slaughtered and in the most barbaric ways
you can think of. And there are people in this
world in the aftermath of October seventh celebrated it. You know,

(01:09:30):
going back to my concern over the evils that exist
in the world and the Internet that your children are
consuming every single day. You know, now they've got, oh
bipartisan solution, We're going to make it more of a
crime when you interfere with children and harm them. And fine,
but this is the kind of thing that's floating around
on the internet praising October seventh, and I'm sure praising

(01:09:52):
these two clowns, these murderers, for killing a bunch of
Jewish people that are trying to merely celebrate a very
important event in the Jewish tradition. Celebrating it. I don't
know where to go on that one. I just really don't. Oh,

(01:10:14):
and thanks Maureene. I always give Maureene a hard time
because she has the conspiracy theories more first and foremost
more than anybody else. She's right there at the ready
with conspiracy theories. I know you're a pattern observer, Maureen,
But in connection with the Rob Reiner and wife being
stabbed to death in their La home, there are already

(01:10:35):
rumors circulating on the Internet that they're they were involved
with Oh I don't know, Ebstein this or something that.
And so there's all kinds of rumors, accusations, and speculations
already floating around on the Internet to suggest something very nefarious,
not just a random murderer, maybe just not their drug
adult son, but something bigger than that. I'm gonna keep
my powder dry on that with Marine, if you don't mind,

(01:10:56):
I'll wait for the evidence to come out, because a
couple of random music typed by somebody out in the
internet ether doesn't do it for me in terms of proof,
at least lead for more information to come out about
that anyhow. So let's celebrate the heroics that actually we
got to witness yesterday. It takes the sting out of

(01:11:18):
the horrific murders, and you realize that you can make
a tremendous impact. And one can only speculate how many
additional people would have been killed, would have been murdered
had that man not stepped up, not armed, just hiding
behind a car, leaping out to tackle a bad guy.
Do you have an inu to do something like that?

(01:11:41):
You know, at one hundred and seventy five pounds, I'm
not the first person to think that I have an
emmy to do something like that, But you know what,
at least I possess a great equalizer, actually quite a
few of them. Yeah, honest with you, I appreciate that
we have a second amendment. And again going back to

(01:12:01):
where in the hell were the police? There are one
that's it's a it's an announced ahead of time celebration,
and there were one thousand plus Jewish people there to
celebrate Hanukkah. Isn't that an event you think cops might
be at just maybe given the level of anti Semitism
that's going on in this world, advanced planning, perhaps when

(01:12:26):
seconds count. Going back to my appreciation for the second Amendment.
Let's keep that right, Let's not let it go anywhere,
because I think we all know a good lesson by
now that you know when we need help right away,
Quite often it's not there. Fifteen fifty five KCD talk
station Christopher Smith had been coming up next looking forward
to for God bless you, sir. I hope you had

(01:12:47):
a wonderful weekend.

Speaker 8 (01:12:49):
Thank you brother. You know, I've got to start off
with I think the most serious topic, but I have
so much to talk about. I don't even know where
to where to start, quite frankly, Brian. But you know,
I was listening to your show like I always do it,
and I don't understand anti Semitism myself, Like I don't
know where it comes from. Where you have somebody to

(01:13:09):
people that are willing to just kill people randomly on
a beach, shoot women, shoot children, shoot the elderly. I mean,
I've been listening to your show and it's hard to
get your head wrapped around how does somebody get to
that point? Number two, the heroism of the Australian man

(01:13:32):
forty three years old who just stepped in right, And
I'm gonna tell you there are a lot of people
those of you who are listening. There are a lot
of people that don't have the kohunas to make that
move away.

Speaker 1 (01:13:46):
They have their cell phone, they be video recording the
whole thing.

Speaker 8 (01:13:50):
On one hundred percent, this dude put everything on the
line because that could have turned and got shot.

Speaker 1 (01:13:59):
He got god actually I read one report he got
shot four or five times. He got hit in the
arm at least twice. So yeah, the other gunman was
was just over to the to his side and he's
standing on the bridge shooting people while he attacked the
guy with a shotgun.

Speaker 8 (01:14:15):
I mean, this is this is anybody watching that video
and I'm sure you guys haven't posted up on your website,
I haven't posted up on my on my x page
to watch the heroism of that man approaching because he
had to think. He was trying to figure out because
that guy could have turned the gun immediately, get a
turget on him, could have heard him coming in at second.

(01:14:36):
He's gone in a second. So this guy says, I'm
gonna put everything on the line, my life. We got
it on video. This guy is a real hero and
he absolutely saved lives on that beach. I don't understand
anti Semitism, don't. I can't get my head wrapped around it.
And what blows me away is the Austrians are having

(01:14:58):
discussions about meaning they have taken guns out of all
the legal hands of everybody, leaving everybody else really open
right to be shot. I don't understand this discussion in
our country when we have these things happen, that we
fall back on too many guns. This is a gun issue.
This da da dah, and I'm going it's a person

(01:15:18):
pulling the trigger. People like they're leading. People out here
legally who have guns aren't doing this stuff. These are
crooks and criminals. The people who are legally having guns,
like you and I are protecting others and protecting our
families if somebody approaches us, or like you had your
situation on the highway, which a lot of people forget,

(01:15:41):
where somebody tried to run you off the road and
kill you because you had no idea what was going
on with that person. The point is that it's amazing
that this country has this position on guns and to
watch something go down like that and to have the
police take ten minutes to get there. I've been listening
to your show, brother, and the man and the men
are just shooting people on the beach with a very

(01:16:05):
low response, so even the people with guns are taking
forever to get to the scene. Brian Thomas, it is
an amazing situation.

Speaker 1 (01:16:13):
It really is. Just scratch your head because you can't
explain it. I think that's where the most frustrating element
comes from this Christopher. You know, you want to come
up with a solution and answer, well, you know, it's this,
it's it's the easy answer to how this could possibly happen.
But I mean, they're calling you a terrorists ac I
don't think there's any questions these people wanted to kill
Jews on the beach. So where I mean, going back

(01:16:36):
to the fundamental question, where in the hell does that
come from? How can people think that under any circumstances,
random people who have no connection with whatever chip you've
got on your shoulder deserve to die.

Speaker 8 (01:16:50):
And you're killing kids, man?

Speaker 3 (01:16:51):
Kids?

Speaker 8 (01:16:52):
What about the hate? The hate that has to be
that's in your heart for you to do something like that. Man,
Now you know the other thing that I tied this
to in my mind, Brian Thomas said, I know we
got to go home tide this segment, but it's Daniel Penny.
This whole discussion we had just stay with me with
the gentleman in New York on the subway, if he

(01:17:12):
had not intervened. Look how we treated our hero. Look
how they're treating their hero. We put this man on trial,
we charged him, and we're going to take away his
privileges for the rest of his life because he intervened
on a New York subway and saved people's lives. And

(01:17:33):
since then, there have at least been two or three
people set on fire in those subways in New York.
And I'm talking about since Daniel Penny and his big
trial that we had in New York. I'm trying to wonder,
what in the world, Why are we treating this guy
in Australia is a hero, Daniel Penny was a hero.

(01:17:55):
But we couldn't We couldn't get it right, buddy, if
it was right in front of us in this country.
I don't understand it well.

Speaker 1 (01:18:01):
And to your point, you know, if he'd had protected people,
if there was a subway in Texas, I don't know,
he wouldn't have been charged with a crime. If it
happened in Florida, he wouldn't have been charged with a crime. Yeah,
it's New York. You're not supposed to have a fire.

Speaker 8 (01:18:15):
I'm gonna ask you, Brian Thomas, listen to me, brother,
if you see something happening around me, he said, see something,
say something. But if you are carrying your weapon, see
something and open fire saved my life, please and then
let's go to trial and figure it out. My point
is that we need people, good Samaritans who are willing

(01:18:37):
to intervene, like this man on Bondi Beach who saw
something happening and said, you know what, I've got to
respond right now, because if he didn't respond, more people
would be dead this morning, no question about it. He
absolutely saved lives.

Speaker 1 (01:18:53):
Well, you can count on me, Christopher. You know I've
got your back. We'll bring Christopher back. Apparently he's got
a lot to talk about this morning. We'll dive on
in a more right after I mentioned, oh look, seven
thirty fifty five KARROC DE talk station bry Thomas with
former Vice Mayor of the City of Cincinnati, Christopher Smithman
getting out of a system with the smither Van. Christopher,
I think you get a lot of topics on your mind.
What are we rolling into now.

Speaker 8 (01:19:14):
Well, I'm gonna stay with the topic you were talking
about earlier, but I have a little different twist on it,
and that is, you know, my support for vevak Karamaswami
for the governor. You know, I support him. I think
he's going to be a great governor. I think is
one of the most important races for the state of
Ohio in twenty twenty six. And I think that Republicans

(01:19:39):
and Conservatives and independents who want a steady balance of
our in our government, meaning I'm talking about the finances
of our government government, people that are looking for reforms
in our education system, people who are looking for energy
policy that is progressive. These are just three examples that

(01:19:59):
this is the guy for the job period. He's the
most qualified person in the race, and I think he's
the guy that's going to take Ohio to the next level.
I'm not in the struggle of why our governor hasn't
made the decision to endorse him at this point, but
I think he will. I think he I mean, I

(01:20:20):
think Governor Mike Demned as a team player and I
think ultimately he's going to endorse the vak Ramaswami to
be the next governor.

Speaker 1 (01:20:29):
Yeah, Christopher, real quick here. He did not reject Amy
Actin though he has yet. He said, I'm gonna endorse
the republic whoever gets the Republican nomination, which clearly is
going to be Vi vik Ramaswami. But he's not there yet.
But he hasn't rejected out of hand Amy Acton as
a viable candidate. In fact, he said quite a few

(01:20:49):
things which suggests he thinks she's a viable candidate. That's
really got me irked, and I don't get that at all.
Maybe because well, she was his hand selected medical director
or something we all know.

Speaker 8 (01:21:02):
Well, I think at the end of the day, Governor
Mike Derryant is going to make the right decision and
endorse the vek Ramaswami for governor. I think that's ultimately
where we're where we're going to head it. And I,
if I could speculate it, probably is because he was
she was working with him during COVID And I'm not gonna,
I'm not gonna. I'm not gonna rehash those decisions that

(01:21:26):
were made, many of them, like you, I was very
very concerned about. But at the end of the day,
in twenty twenty six. I want to wake up in
November and I want to see the vak Ramaswami be
the next governor for the state of Ohio. And I
think that as we look across what just happened in
our local elections, if we're sleep at the wheel like
we were in these local elections that just happened where

(01:21:49):
you saw areas like Cincinnati go so blue because Conservatives,
Republicans and independence didn't show up and vote, meaning the
President of the United States will not be on the ballot.
So the risk here is that our the people out
there who support him will be sleep politically, won't understand

(01:22:12):
the importance of the election, and won't come out. Because
the midterm elections, Brian Thomas, are about voter turnout leaning
the number of people that get out of their bed,
get off their couches, get off their sofas, whatever it
is they're rocking chairs, and get out and participate in
the process, that's our big concern, I think in twenty

(01:22:32):
twenty six. But we also have Judge Winkler and we
have a Judge Dinkin Locker who are also on the
ballot here in our county. I mean I think that
I think Judge Winkler should be not only endorsed by
the Republican Party, which I'm sure you will be, but
we've got to make sure that we don't have all

(01:22:54):
Democrats running our Hamilton County judge ships, our courts. It's
really scary what's going on down there. So those two races,
Leah Dinkin Locker, I can't say their names enough, Judge Winkler.
I think that we've got to make sure as people
are going through and they're voting for governor, I'm gonna

(01:23:14):
start talking about it now. We've got to vote the
whole ticket, Brian Thomas, because what happens is people get
so hyper focused. They'll say, man, I'm going in here,
I'm voting for the vek Raamaswami. I'm gonna make sure
he's going to be the governor. But then they forget
about those local elections that matter in our daily lives.
So we've got to learn how to vote through that
whole ticket, so that if we're voting for one, we're

(01:23:35):
voting for the other two and making sure that we
return both of those judges to the county. And I
think this is important for me to start talking about
now as we're going through the holidays because guess what,
Brian Thomas, families are getting together. They're cutting the turkey,
and I want them talking about those three races, meaning
starting to educate their families about making sure you're eighteen

(01:23:57):
year old is registered to vote, because I'm going to
have an eighteen year old in February. She's gonna turn eighteen.
She's gonna be able to participate in that amazing.

Speaker 1 (01:24:06):
I can't believe your little girls turning eighteen eighteen.

Speaker 8 (01:24:11):
Brother, I will send you a picture of her December
Christmas dance after we get off the show. Brother, this
is that seat and they had their December Christmas dance. Brother,
I was in tears. And by the way she wore
my late wife's one of her coach to that event
was it was riveting to see her as she comes

(01:24:32):
into womanhood. But she's gonna be able to participate in
the political process for the first time next year. And
I know there are a lot of people out there
who people have children who are turning eighteen. We've got
to make sure all of those eighteen year olds are
registered to vote. My daughter might end up at BGSU,
she might end up at Miami of Ohio. She might
end up at uc Ohio State. These are all places

(01:24:56):
that except Miami, Ohio. We're gonna hear from them, I
think this week. But all these schools she's up Mount
Saint Joseph she's been accepted to. But wherever she goes
to school, right I want her registered at my home address,
not that university. And I want to make sure that
my daughter Camille participates in the political process. I think
we've got to start having those conversations and bringing those

(01:25:20):
young people under the fold and teaching them and educating
them and informing them prior to them going to college,
and having this indoctrination in their minds that we are
concerned about that they know, Hey, the vak Aramaswami is
our guy, and we want to make sure that we
vote for him for governor of this great state of Ohio.

Speaker 1 (01:25:39):
Got to generate that enthusiasm. I have every expectation that
being your daughter, she will most assuredly be involved in
the political process will bring Christopher back from what ray til.

Speaker 8 (01:25:48):
I send you her photo the photo brother.

Speaker 1 (01:25:51):
He's eighteen years old, seven thirty six right now. But
you have KSY talk station. Where does the time go
the talk station five KROCD talk station. Always enjoy the
conversations I get to have with Christopher Smithman every Monday
and today, of course, no depart from the norm on that, Christopher.

(01:26:12):
What else is on your mind, my friend?

Speaker 8 (01:26:15):
Well, I hope you looked at that photo of what
womanhood looks like. But I sent that to you.

Speaker 1 (01:26:21):
I can't get over it, man, I just can't get
over it.

Speaker 8 (01:26:25):
It's an amazing time.

Speaker 1 (01:26:28):
Just a beautiful, beautiful You got to be so proud
of her. Anyway, I am.

Speaker 8 (01:26:32):
Seaton has just done a wonderful job, and let me
just give them a shout out. You know, there's a
wonderful high school, great staff, great great principal. I mean,
I just can't say enough about about Seaton High School
and what they've done for my family and my daughter.
But let me just fit close out my rant by
talking about the Bengals. By the way, you and I

(01:26:54):
know I don't know a lot about sports, right, but
when you're paying two hundred dollars a ticket, you would
think you would have ice and snow out of your seat.
And you would also think while you've just negotiated a
stadium deal, pushing our taxes higher in Hamilton County, which
has made this family billionaires. That the least you could

(01:27:17):
do for someone who's paying two hundred dollars to sit
in the seat that you would be able to remove
the snow and ice. And so I'm trying to figure
out what our good tenants are doing, right, I mean,
they're the landlords. We're coming in to sit down and
watch a game. And by the way, if my understanding

(01:27:38):
is right, the Bengals did not score a point. You
are and so on top of it, you have this,
you have this team that is struggling, but you also
have owners that ops absolutely did not take the best
care for those who showed up in sub zero temperatures
to watch a game where their team is struggling, can't score,

(01:28:02):
but you've got ice and snow in their seat.

Speaker 1 (01:28:06):
Yeah. I took a slightly different take out of this
morning when I read that as like, oh, boohoo, you
know you got to move a little bit of snow
before you sit down. I appreciate your point of view, Christopher. Yeah,
we did pay for that place. But see, you got
to have two hundred dollars to buy a ticket, So Jesus,
I don't.

Speaker 8 (01:28:24):
Know how a family, I don't know how a family
of four, I don't know how they go down to
take in. I mean, when you and I were growing up, buddy,
we could take in a Bengals game. We could take
in a Reds game. A middle class family could go
down and take it in. Man, you've got to have
some serious cash to take one of these games in.
And I'm just saying, in this day and age, if

(01:28:45):
you're paying two hundred dollars and that's probably just to
get in, those are probably not the best seats in
the house that you should clean off your sheets of
snow and ice. And I don't you know, it's not
a place I'm going to watch a game. But hey,
that's what I'm saying. But you know, as we close out, man,
elections have consequences locally. Notice how in Cincinnati after the election,

(01:29:10):
all of this new news is pouring out. Okay, eight
point one million dollar settlement start there, right, So you're
giving eight point one million dollars to protesters who negotiated
the deal. Brian Thomas, who didn't have to settle, meaning
the city of Cincinnati to your listening audience, did not
have to settle that case. It could have said, we're

(01:29:32):
going to go to trial. We don't like what this
number is. Everybody knew going into that election that that
eight point one million dollar settlement was in the hopper.
They just decided not to release it until after the election.
Elections have conflicence.

Speaker 1 (01:29:48):
Like Iris Rawley's contract. Two days after that's when we've
got the news that they renewed that thing for six
hundred plus million dollars.

Speaker 8 (01:30:00):
Yet, I mean you're meaning Brian Thomas, you're again correct
here that these are things they knew about that were
in the hopper and said we're not going to release
this information because they knew that if Corey Bowman had
been elected, the things that we're talking about wouldn't happen.
Meaning Corey Bowman would have walked in and said, no settlements,

(01:30:22):
we're not settling the case. We're going to trial. He
would have said, no, we're not doing this new contract
with Irish Roley. Not going to happen. Elections have consequences.
And we also found out about the mayor's car. Now,
you know, it's just kind of like a story. We're
kind of silly, blah blah blah, but it makes you
laugh because you've got a guy down here with a

(01:30:43):
thirty six million or thirty two million dollar deficit in
the city that they're going to have to wrestle with
because the COVID dollars are now gone. They can't pad
the budget anymore with those COVID dollars. That they're actually
going to have to balance the budget. Look for that
as we go into the next budget cycle. But here's

(01:31:03):
a guy who can't pay his car payment. Meaning his
notion of saying, you and I know who are experienced
people with money and finances, however you want to say it,
you're notified many times before your car is repolld emails,
telephone calls, snail mail, pay your bill, pay your bill,

(01:31:27):
to find out that our mayor's car was towed or
repolld parked outside city Hall. I mean, it's just absolutely
amazing to me that we're having this kind of a discussion. Oh,
it is so embarrassing for all of us while we're
facing the death and said, while we're giving out six
hundred and fifty thousand dollars contracts, while we're settling cases

(01:31:48):
like eight point one million, and we know in the hopper,
we've got Chief Fiji and we've got Chief Washington. Both
of those cases will be settled for millions of dollars
between both of them. So their bottom line here is
elections have consequences.

Speaker 1 (01:32:05):
And you know, you brought up d G again, and
that's kind of a story that's a little moved by
the way. So I'd given all the other crazy stories
that have come out, But have we ever been provided
with a specific reason why she was pushed aside paid
administrative leaved. I mean, we have something we can point
to that they have pointed to to justify her removal
from that position.

Speaker 8 (01:32:25):
We have not. They hired Frost Brown and tied to
bury her politically. I'm sure they're going to come out
with some type of report. But she has hired meaning
police DG has hired a great law firm just like
Chief Washington. They both have the same legal team, and
they will win both of those cases. Meaning there's nothing
in her file after thirty five years to indicate why

(01:32:49):
she was fired, and so there isn't a jury anywhere
in Hamilton County that would say the city made the
right decision and how they treated her. It's going to
cost us problem a million dollars to do it. I
think Cheeve Washington is probably three to five million dollars.
So get ready for more judgment bonds, is my point.
I mean, the city's going to continue to issue these

(01:33:11):
judgment bonds because they keep making bad decisions. And to
my good friend David Pepper, just changing as we go. Look,
he's out there tweeting really hard. He's a Democrat, he's
an acquaintance of mine, but he's tweeting really hard about
the vech Ramaswami. I'm worried about some of his tweets.
So one of his tweets highlighting is the coat that

(01:33:32):
the beck is wearing. Now I'm trying to figure out
he's saying the vek Ramaswami is wearing a two thousand
dollars coat while he's doing a press conference. Now, I
just want to highlight I wouldn't have known what kind
of code the Vek was wearing, Meaning if I went
to Macy's, I'm buying a code I don't know. I
want to remind David Pepper the only reason he knows

(01:33:54):
what coat the veck Ramaswami is wearing is he has
one in his own closet. And so we've got to
focus on like these meaning David Pepper has a lot
of money, like this notion that he doesn't. He's looking
at the code. He's bringing reflection on what coch. I've
never seen that before in my life, Brian Thomas. I've

(01:34:15):
never seen someone starting to bring comment about what an
elected official is wearing. Meaning. The reason I'm highlighting this
is you spoke about I'd rather have somebody who's successful,
a business person who's not really tied to the system,
be elected into the position. Write somebody with money, somebody
who's successful. Boom bamboom. I'm saying to you that I

(01:34:35):
don't care what coch this man is wearing. What I
care about is how he's going to run the state
of Ohio. I'm just concerned and are wondering why is David.

Speaker 4 (01:34:43):
Pepper Well, I say exactly about what this man is wearing.

Speaker 1 (01:34:47):
You know what, because he doesn't have anything substantific go on.
And that's a way of engaging in class warfare. That
evil vv Gramiswamy took his own money that he earned
from his own sweat and his own intellect and made
millions of dollars with his company. He bought a coat.
That's class warfare. Christopher, You'll take it however you can
get it. When you don't have anything to run on,
you may as well make fun of the coat so

(01:35:08):
you can just let it rest there, which is exactly
what we're facing right now, a desperate, desperate class struggle.
And I'm worried about it. Look who's elected to the
mayor of New York City? My friend a communist.

Speaker 8 (01:35:19):
Yeah, I'm worried about it very I'm worried about it
as much as you are. But I hope that your
listening audience will go to their social media platforms and
challenge people like David Pepper when they post this kind
of nonsense up, because what he's doing is he's trying
to go to the lowest common denominator. That's what you're

(01:35:40):
speaking to.

Speaker 1 (01:35:41):
It's like name calling, calling people's name. You have no
substance of argument to make.

Speaker 8 (01:35:46):
Christopher smith Man, and I appreciate you so much for
giving me so much time. People can follow me on
my ex account at vote Smitherman in between my smither
events with Brian Thomas. Thank you so much much.

Speaker 1 (01:35:57):
Look forward to next time. Day. Your daughter is abs stunning.
I feel sorry for you at a certain level there
station at seven fifty four here fifty five ker CD
talk station. Yeah, seventy five to three dollars average ticket
price for since San Bengals Camp. Just look that up
and you'll have to clean your own snow seat off. Sorry,

(01:36:22):
I just can't find any uh any love loss for
the folks they had to clean their own seats off. Anyway,
Coming up out the top of the our news, are
gonna learn from Brian James about the fed Ray cut
and what that might mean for us, hopefully lower interest
rates for home ownership. We'll see. I still have to
point out that doesn't solve the supply problem. Is there
an artificial intelligence bubble? I keep reading about it, concerns

(01:36:43):
over it might pop and all that investment may go
by the wayside. We'll see what he has to say
about that. And plus, uh, you're familiar with the required
minimum distribution deadline, Well it's coming and Brian James is
gonna tell us what exactly that means that applies to
folks with four to oh one case. After Brian James departs,
we're gonna hear from doctor Radeka Ramanaden and she is

(01:37:05):
going to tell us all about the new VA medical Center,
the eye services they're going to be offering at the
I Center for my veteran friends out there. That'll be
at the tail end of the next hour. I hope
you can stick around for all that be right back
after the top of the hour.

Speaker 5 (01:37:17):
News today, it's tough headline station A six on a Monday.

(01:37:44):
I hope you know what that means. It's that time
talking money matters. It's Money Monday with all Worth Financials.

Speaker 1 (01:37:50):
Brian James. Appreciate all Worth loarding out every Monday to
talk about financial matters. I hope you had a wonderful weekend.
You can ready for the holidays, Brian, we are, yeah,
just we've got all local.

Speaker 10 (01:37:59):
We're a good West side Cincinnati family. So nobody ever
left town very far, so we just got a lot
of places they hit over the next few weeks.

Speaker 1 (01:38:05):
Yeah, I'm sure you're looking forward to it. I know
I am. It's nice to excel a little bit and
try to enjoy something with so much gloom and doom
in the news these days. Just I'm glad the holidays
are fast approaching for that reason alone. If there are
any other I got to ask you. This Federal Reserve
cut interest rates by a quarter point and there was
apparently dissension among the ranks. We had Chicago's FED president

(01:38:27):
and the Kansas City Fed saying no need a whole
rate steady. The FED governor Stephen Moran said they fifty
percent basis point cut, so point five, and it came
in at point twenty five. What's the argument about, Brian James,
what seems to be the problem here reaching a consensus?

Speaker 10 (01:38:43):
Well, you know that people have different opinions is really
all this. It really turns out we don't just move
in lockstep go figure. So, yeah, there were three descents
this time around. There were two that wanted to keep
rates exactly where they were, with concerns about elevated inflation,
which is really, you know, inflation has just never gone away.
I don't know that it's necessarily new inflation, it just
hasn't gotten back.

Speaker 4 (01:39:02):
To where we wanted.

Speaker 10 (01:39:03):
And then another one wanted a steeper cut about a
half percent. That one was concerned about a slowing labor
market in other words, want this person wanted to basically
kind of goose the system to sit, to entice businesses
to invest more and then re energize the hiring market.
So there's more new projections out there, some of them
painting a more optimistic.

Speaker 4 (01:39:25):
Bigger picture.

Speaker 10 (01:39:26):
And so they did increase their GDP forecast for twenty
six to two point three percent from one point eight,
So obviously that's good. They're seeing better times ahead and
reducing the twenty six inflation projections to two point four
percent from two point six so as we're sitting here
right now. Oh and also they kept unemployment the unemployment
projections of four point four for next year. So as

(01:39:47):
we're sitting here right now, it seems to be we
are leaning toward the opinion of the general opinion of
the Fed Governor's is positive. We're seeing better things coming
in with regard to both inflation and economic growth. Like you said,
we do still have some descent among the ranks.

Speaker 1 (01:40:02):
Okay, and I certainly get to this sounds kind of
joke a little bit there, But let me ask you this.
You mentioned the economic forecast, and I was glad you did,
because they project where they think the economy is going,
inflation and unemployment and all that is. Are there any
statistics about how accurate they are with these forecasts, because
you know, someone wrote down accurate. Is this science or alchemy.

(01:40:23):
That will be me. Really, what's behind this? And has
anybody checked their overall accuracy rate over the years.

Speaker 10 (01:40:29):
Well, I think they've kind of They run hot and cold,
and we get excited about them when they're super accurate,
we get excited about them when they're not accurate at all,
when they're in the when they're kind of in the middle,
we don't pay attention a whole lot. So, but yeah,
there's These are generally considered to be directionally useful but
numerically wrong. So, for example, in twenty one and twenty two,
the FED repeatedly projected inflation was going to fall quickly,

(01:40:51):
only to see it spike to forty year highs. Remember
transitory inflation, Well that wasn't exactly transitory, and over the
last fifteen fifteen years repeatedly predicted slower GDP growth than
what has actually occurred. Twenty thirteen to twenty nineteen, growth
was consistently ahead of FED estimates. So now the FED
hasn't been any more accurate really than many other resources

(01:41:12):
in terms of projecting all this, And part of me
wants to believe that this might be because it's gonna
hurt a lot more if we tell everybody everything is wonderful,
because people will tend to take that and multiply it
by ten, And so it is reasonable to me that
they might be hesitant to really kind of light that
light things on fire too quickly, and therefore they kind

(01:41:32):
of lean toward urging caution a little more often.

Speaker 1 (01:41:34):
Well, with hindsight, it should. Do you think they're lamenting
the fact they didn't put the brakes on a little
bit sooner considering the trillions of dollars that were infused
into the economy through all these massive government spending programs
during the COVID time.

Speaker 4 (01:41:47):
Oh for sure.

Speaker 10 (01:41:48):
I mean, because we had unbridled spending and we didn't
have a whole lot of oversight over the whole thing.
But yeah, I think at the time there was just
out and out panic among you know, the decision makers
from a standpoint of we don't know what this is,
we don't know how long this is going to last.

Speaker 4 (01:42:01):
We just know we have to do something big and
something quick.

Speaker 10 (01:42:04):
And I think and then a lot of cases that
got us back to things we've seen in the past
where we've done a lot of spending like that with
really out any any handcuffs on it, and that gets
us the inflation that we've gotten. We saw that in
the late seventies early eighties were when we basically cut
interest rates too low during the nixt administration, and that
begat a bunch of inflation over the next several several years,

(01:42:27):
leading to really really high interest rates in the late eighties,
well the early eighties.

Speaker 1 (01:42:31):
It is one of the big question marks it seems
to be swirling about all this. And one of the
reasons I think they lowered the interest rate by our
quarter point is because of the concern over the labor
market seems to be a rather moving target these days.
And I've read a number of articles where there's like
question marks over waitment, what is the true state of
the labor market. It seems that there's a lot of
people that are supposed to be in the know that

(01:42:52):
aren't quite in the know on that. But all the
ras seem to point to a deteriorating labor market. If
for nor only reason, We're going to talk about artificial
intelligence in the next segment. This may be a bubble coming,
but AI is in fact replacing a lot of jobs,
and does it seems like that that trajectory is not
going to go anywhere anytime soon.

Speaker 10 (01:43:11):
Yeah, and we do have some jobs data coming out here,
and we have to look with a little bit of
a cross eye at the at the data we're getting
because who knows what we're seeing anymore, because we're kind
of swapping this in for that and that kind of thing.
But in any case where we are right now, the
November payroll payroll comes out this week, but we still
got some good information this week anyway. So August was

(01:43:34):
the last time the JOLTS survey was updated, and that
showed opening job openings near multi year lows. And after
the government reopened, there was a jump in September to
seven point six million from seven point two and October
data is inching higher to seven point six So most
of these increases are coming from lower skill service jobs,
and those are still dealing with seasonal quirks. So we

(01:43:57):
obviously we're in the holiday so you're gonna see a
little bit of fuzziness there. But all this data tells
us that workers are feeling a little bit less confident
about leaving that current job to find a new one
without already having secured something. You know, when these indexes
look a little bit different. That's when people feel like, Okay,
the job market is healthy, so I'm going to go
ahead and leave this job that's making me miserable and
I'll find something else later. Well, we're not seeing this

(01:44:18):
is the quis rate I'm referring to. So people are
hanging on to older jobs without you know, having found
a new one yet.

Speaker 4 (01:44:26):
So a little bit of insecurity there.

Speaker 1 (01:44:28):
So I hear what you're saying, no reason to doubt that.
But I keep again reading a bunch of articles about
how concerned people are that are looking to hire people
they can't find qualify people for the job, or the
people that they find are not well, not very good workers.
So there seems to be a demand out there for workers.
But I guess not in all sectors you mentioned the
lower level sectors, or are there other areas that have

(01:44:51):
been impacted one way or the other.

Speaker 10 (01:44:52):
Well, I think there's just a heel. Like you said,
there's a huge disconnect. It would be wonderful to get
all these people in the same room. The people who
are saying there aren't enough jobs available, people are saying
there aren't enough workers available.

Speaker 4 (01:45:01):
I would like to get.

Speaker 10 (01:45:02):
Them into one big, giant hotel conference room and maybe
just kind of have a big job fare and see
how that goes. But I have a feeling this is
more of a discrepancy of employers not wanting to give
the perks that people still feel should be involved in
a job, such as a flexible work schedule, hybrid.

Speaker 4 (01:45:20):
And remote work, those kinds of things. And then of
course there's all there.

Speaker 10 (01:45:22):
We'll never see the eye to eye on what the
compensation should be in general. So to me, all of
that speaks more to a lack of willingness to compromise
on both sides than it does complete blindness to the
other side.

Speaker 1 (01:45:35):
All right, and the all important question, the quarter point drop,
is that going to translate into lower mortgage rates?

Speaker 10 (01:45:43):
Well it should, but at the same time, but there's
a lot of people out there, Brian who bought houses
and wound up with an eight eight and a half
percent mortgage something like that, And so we're gonna see
those folks are obviously seeing an opportunity to refinance. Sure,
but that also was putting, that was pushing you know,
those higher richest rates for keeping people from moving at all,
deciding you know, we'll push it out another couple three years. Well,

(01:46:04):
now that the interest rates are falling a bit, I
think we might see the demand for housing pop back
up just a little bit because people who would would
have moved otherwise over the last couple three years held
off and now things are more a little more favorable
for them to do so.

Speaker 1 (01:46:18):
And under those circumstances, don't we still have an inventory
problem because I got the impression that we're kind of
short on housing supply.

Speaker 10 (01:46:26):
Yeah, and and and I think there's there's a lot
to be said too. We're also moving into a slower.

Speaker 4 (01:46:30):
Time of year where people just don't want to move.

Speaker 10 (01:46:32):
So if I have the cold out, it's exactly I
don't want to go get the paper, let alone move everything.

Speaker 8 (01:46:36):
I know.

Speaker 10 (01:46:37):
So, yeah, we're entering in that time of year. And yeah,
so there are fewer houses hitting the market.

Speaker 4 (01:46:43):
I don't.

Speaker 10 (01:46:43):
I don't see cracks in the foundation or anything like that.
Just kind of a downswing in the overall activity.

Speaker 1 (01:46:48):
All right, fair enough, We'll continue with Brian James speaking
of artificial intelligence. Wall Street seeing an AI bubble coming? Hmm?
What's that mean for us generally speaking? We'll learn about
that with Brian James. Stick around right back fast and
pro roofing a reputable company. The pre the talk station.

(01:47:09):
It's eight nineteen at fifty five KRC, the talk Station,
Happy Monday, Brian James. All were financials Brian James going
through the Money Monday segment, and we're going to talk
about own. No, we're going to see another tech bubble
in the form of an AI bubble, Brian James. Billions
of dollars being thrown a fit edarittificial intelligence and a
real game changer in terms of our our energy needs.

(01:47:30):
And maybe we'll have a reform in terms of where
we get our energy from, notably small nuclear reactors. Please
Dear God, let us have those. But is this a
bubble getting ready to pop? The whole world's competing on
this stage.

Speaker 10 (01:47:42):
Well yeah, there' this is AI has been a catalyst,
just like lots of other technological headlines over the last
thirty years. I remember remember when the internet was very first
a brand new thing in the late nineties and early
two thousands. Well, obviously that was not a flash in
the pan, and it'd be got more bubbles. But what
we're concerned about here right now. So you're seeing a
lot of sellofs on Nvidia, some of the big names.

(01:48:02):
An Oracle stock has plunged after they were they hit
about three hundred and twenty bucks a share, Now they're
down to about one hundred and eighty eight a big
step back for Oracle that was from October to now,
and just over a lot of AI spending, a weakening
sentiment for firms tied to these platforms like open ai,
and that's open Ai is the one behind chat GPT.

Speaker 4 (01:48:22):
Of course, the Microsoft is doing.

Speaker 10 (01:48:23):
A lot of money them as well, And so I
think investors are looking at the kind of debating, Okay,
for twenty twenty six, how do I want to be positioned?

Speaker 4 (01:48:31):
Do I want to stay as exposed?

Speaker 10 (01:48:34):
Given the run up that all these stocks have had,
and given the fact that we really haven't had much
of a shakeout. Remember back two thousand and one, two
thousand and two, that was the shakeout of the original
Internet bubble, and that's when the winners and losers were
first chosen. That has not happened yet in the AI space,
and I think investors might be starting to look to
that saying, Okay, it's really time for time for things
to kind of move to a little bit of a

(01:48:56):
ranked order in terms of who's going to survive and
who's not.

Speaker 1 (01:48:58):
Well, it's a crypto in away, isn't it. There's like
eight gajillion different cryptos out there, and you know, I
guess one of them, maybe or more, are going to
emerge as the top contenders and the other one's going
to fall by the wayside. Am I close on that?

Speaker 5 (01:49:11):
Well?

Speaker 10 (01:49:11):
I mean, I think I think the difference there Crypto
is more speculatively based. I mean it's it's these companies
that are pursuing AI have different patented technologies, different approaches
to things, versus crypto, which is ninety percent what does
the herd want to buy?

Speaker 1 (01:49:25):
To me? I got you so?

Speaker 10 (01:49:26):
But yeah, so I think it's gonna be a little
different than that. This will be more traditional. Let's look
at the business plans and the opportunity strengths and weaknesses
and all that of each individual company again versus just
speculative types of assets.

Speaker 1 (01:49:36):
All right, Well, I guess in terms of exposure, I
presumed since I have, you know, these managed funds and
they're filled with all kinds of different stocks, that anybody
who's got that kind of financial portfolio is exposed on
some level. I presume that some of my investments are
in these AI companies. Right.

Speaker 4 (01:49:54):
Oh, it's hard, It's impossible to avoid there's no way.

Speaker 10 (01:49:56):
Yeah, even if you don't have anything that strictly is
itself in a it's a virtual guarantee that a lot
of the companies you've invested in via those mutual funds
and exchange traded funds are somehow themselves benefiting from AI.
There are a lot of savings and a lot of
efficiencies to be gained by allowing to allowing computers to
do more thinking pros and cons for sure, but we

(01:50:16):
can't pretend that these are these aren't powerful tools. So
AI is going to filter its way into every part
of every industry just simply because of those efficiencies that
can be gained.

Speaker 4 (01:50:27):
If you own the S and P.

Speaker 10 (01:50:28):
Five hundred, then a huge chunk of that the largest
holdings in there. And I feel like we've beaten this
to death on the radio waves here this last several months.
But a very very large chunk of the S and
P five hundred is focused in the technology sector and
just a handful of country companies. Because of the way
it's built, the S and P five hundred is capitalization
weighted that means the bigger the company, the more it

(01:50:50):
makes up of the index. So, as we all know,
technology is ruling the day at the moment, So those
tech companies are absolutely huge. If you have the S
and P five hundred index fund, that's a good fund.
But don't assume that you're completely diversified. It's largely going
to be driven by what technology does, which that's just
driving the market these past couple decades.

Speaker 1 (01:51:07):
I guess it is now. I'm guessing this is I
hate using the phrase piece of God, but it often
is like the passes all human understanding, and for Brian Thomas,
it passes my understanding. Now, there are different types of
artificial intelligence that the mechanism that the how it works,
components behind the scenes of computer number crunching, whatever it's doing,

(01:51:28):
and somebody is going to emerge as the predominant force
at some point, right other one is going to be
better than the other. So there's the tech component of it.
But then there's also the hardware part. Isn't Navidia don't
they manufacture the chips?

Speaker 4 (01:51:41):
Correct? Yeah, there's a lot of components to this.

Speaker 10 (01:51:43):
There are you know, and I think back always us example,
I think back to the gold Rush. The gold rush
was not at all about people digging gold out of
the ground. In terms of who made the money, it
was the companies that realized that there was a movement
happening among society. A lot of people were moving out
west to go dig in the dirt. So the company
that made a lot of money were Levi's because they've
they invented clothing that was durable and would hold up

(01:52:06):
for that kind of thing. They were the Studebaker company
that ultimately became the automotive company that we know of.

Speaker 4 (01:52:12):
They sold shovels. Go figure, that's a good idea.

Speaker 10 (01:52:14):
Wells Fargo, that's where the stage coach came from. For
for all these businesses doing business out there on the frontier,
out on the fringes, somehow that money had to get
back to the to the financial centers. That's where the
stage coach came from. So it's the same thing is
happening here, and Vidia makes the chips that will support
the demand that's out there. In Vidia is not out
there putting AI into companies and consulting with them on

(01:52:37):
how to use it. They're just creating the hardware because
they know the demand is going.

Speaker 4 (01:52:40):
To be there for it.

Speaker 1 (01:52:41):
Are are they unique? Because that's all the only company
I hear about in terms of chips, and I know
there's got to be more of them out there, But
does Navidia have any competitors along there at their level?

Speaker 6 (01:52:51):
Yeah?

Speaker 4 (01:52:52):
Yeah, So in Vidia, it is not a new company.

Speaker 10 (01:52:54):
It's a new name to people who don't who haven't
necessarily paid much attention to the technology industry. But in
Vidia has been a graphics company for decades, right, right,
So this is not They're not a you know, new
on the scene. But they have the right technology and
the right patents to make this, to make the chips
that are that that happen to be appropriate for graphical

(01:53:15):
processing units. They also happen to be the best brains
for artificial intelligence. So some of it is knowledge and
some of it is right place, right time. But they
quickly got there, and they had the ability to scale
it up in order to basically provide enough supply for
all the demand that's out there.

Speaker 1 (01:53:31):
All right, And of course we have that you know,
critical question of whether they're going to be allowed to
sell chips that China. China's benefiting from artificial intelligence too.
The question is do we need to fund or help
our our foes if we may, in a geopolitical sense
refer to them along with their technology. So there's all
that that goes along with it.

Speaker 10 (01:53:50):
Yeah, that's true, and there is competition out there, right
This doesn't mean that a MD and Intel have just
kind of gone away and vanished. They are still out there,
but Nvidia is the one again just has the best
technology to produce these things at scale. And there is
you know, there wasn't remember there wasn't that long ago
that China came out with a competitor that turned out
to be a little bit, a little bit fake, a

(01:54:10):
little bit plastic. But there are certainly other organizations other
countries out there looking for more you know, looking for
more efficiencies there that will compete with in Nvidia, and
Vidia just has that they have much more of the
vertical of producing all these types of things.

Speaker 4 (01:54:24):
So that's why they're the leader right now.

Speaker 1 (01:54:26):
All right, we'll continue with Brian James. What is the
required minimum distribution, when is the deadline and what you
need to know about that. That's coming up next more
with Brian James and Money Monday. After these brief words,
fifty five KRC.

Speaker 4 (01:54:37):
This is a station.

Speaker 1 (01:54:40):
Hey, twenty nine to fifty five fair CED talk station,
Happy Monday, Money Money with Brian James. We're gonna talk
about required minimum distributions. Question. This is for folks with
retirement accounts like four to one k's, and as I
understand it, at seventy three you have to start taking
this required minimum distribution. In other words, you might not
need the money for you your day to day living

(01:55:00):
expenses or whatever. You might be well off independent of
your retirement account, but you have to start taking a distribution.
What is the reason or policy behind the mandate that
at age seventy three you have to start doing this
Before we get into the dates and all that, Brian James,
jill Or.

Speaker 10 (01:55:15):
Well, yeah, this refers to not only four to one k's,
as you mentioned, but.

Speaker 4 (01:55:18):
Also iras four h three b's really.

Speaker 10 (01:55:21):
Any kind of tax sheltered account that would have originated
from your employment by some other company out there. And
the thought is the reason for this is the IRS
is basically saying, Okay, the gravy train has come to
a halt. You've never paid taxes on these pre tax dollars.
This only affects pre tax accounts. We're not talking about roth,
we're not talking about after tax. So what they're basically
saying is that you've contributed this to maybe thirty forty years,

(01:55:44):
you deducted it on the way in it has grown
completely tax free to something. When you turn age seventy three,
it's also seventy five, depending on how old you are
right now. If you haven't reached that age as of yet,
as of by twenty thirty, then it'll be seventy five.

Speaker 4 (01:55:57):
But for most people now seventy.

Speaker 10 (01:55:58):
Three, then the IRA says you do have to start
taking taxable distributions. Doesn't matter what you do with the money.
What it really means is that you just have to
start paying taxes on little bits of it. There's a
calculation you have to go through, and there's a table
in the IRS records that you'll use to do the calculation,
or just have your IRA custodian or four to one
K custodian do it for you. But essentially a good

(01:56:21):
ballpark is about four to five percent of the of
the accounts. So maybe if you've got one hundred thousand
one of these accounts, you might have to take out
something like four to five thousand.

Speaker 4 (01:56:29):
That's not the.

Speaker 10 (01:56:30):
Taxes, that is the distribution. That is what will be taxed.
So if you're in a twenty percent bracket, you might
know eight hundred thousand bucks on that. So but the
whole point to answer your question is basically that this
can't be a permanently tax sheltered pile of money. Does
have to get taxed at some point, and that's where
that's where they decided to start it decades ago.

Speaker 1 (01:56:49):
Okay, well, there is a thing called an inherited IRA,
for example, and is that a taxable event when it's
passed along to airs or is this are they subject
to a separate requirementium distribution.

Speaker 10 (01:57:01):
Yeah, as with anything, there are lots of moving parts
of this. So what you're referring to is somebody that
some benefactor of mine passed away, they themselves had one
of these four h one kira tax deferred accounts. And
so generally speaking, here's what's commonly known nowadays, as of
the Secure Act of twenty twenty. If I inherit an
IRA from someone who passed after twenty twenty, then I

(01:57:26):
have ten years to drain that account. I can drain
it all day one. Nothing stops me, I can drain
it all on day three thy six hundred and fifty
at the end of the ten years. But the point
of that is that I now will have to pay
income taxes on every nickel of it all at once.
So usually the best way to do that is to
find a way combine it with your other sources of
income to figure out what brackets you're going to hit,
and then figure out the right years to take it,

(01:57:47):
because most people within a decade will have some high
tax years and some low tax years.

Speaker 4 (01:57:53):
Now there's moving parts to that too, though, Brian.

Speaker 10 (01:57:55):
If the person who passed away this is a new
rule as of this year, if the person who passed
away was them of required minimum distribution age, which which
could have been any that might have been seventy and
a half several years ago, then you will even though
there's still the ten year rule, you do still have
to take a minimal amount out. So make sure if
you're in that situation that you're on top of that.

Speaker 1 (01:58:16):
Okay, Now, the downside risk if you fail to do
the require minimum distribution by the all important deadline, what
kind of penalty you are going to face with the
on this one.

Speaker 10 (01:58:27):
A fat one although not as fat as in the past.
If you fail to take this full RMD by December
thirty first, the penalty is generally twenty five percent of
the amount that wasn't withdrawn. That's a huge chunk. Used
to be fifty percent and there was no forgiveness for it.
But now if you correct it within two years with
an IRS form, the penalty can be reduced to ten percent.
Penalties are penalties, though, let's just avoid them. Just make

(01:58:50):
sure you know understand what your obligations are and try
to get it done by December thirty first. You do
have a get out of jail free card in your
very first year. You have until tax time the following year.
Because a lot of people don't find out, they don't
understand until they've done their taxes that they should have
taken a distribution.

Speaker 4 (01:59:08):
But that's only for the first year, and I.

Speaker 10 (01:59:10):
Would not recommend taking advantage of that because that is
still going to cause you to have to take two distributions.
The one to make up for missing the first year,
which in that case is pounty free, but you also
have to take the one for the second year, so
that could push you into a higher bracket.

Speaker 1 (01:59:24):
Fair Enough, I guess for the folks that don't need
to tap into the retirement accounts, I guess they're in
decent enough financial situation. I guess you know, it might
be a good idea to pass it along to your children.
I mean, let that money work for them while they're alive,
and while you're still alive, and you can see the
fruits of of your labor in your to their benefit.

Speaker 10 (01:59:41):
Oh, for sure, there's lots of things that you can
be thinking about there. The irs, like I said, doesn't
care what you do with these dollars. A lot of
people Brian will simply say, Okay, well I got to
pull that money out. It simply can't be sheltered anymore,
that small proportion of it, and so therefore I'm going
to take it out and I'm going to immediately stick
it over in my account.

Speaker 4 (01:59:58):
Well, no, you can't do that. You can't put it
into a wrong Oh well, okay, this gets a little complicated.

Speaker 10 (02:00:03):
You can do roth conversions, but they have to happen
after your rm D comes out. Therefore, if my RMD
comes out, and my RMD my required minimum is five thousand,
and I want to convert ten thousand, well then I
take five out, it cannot go anywhere else, pay taxes
on that. And then after that has happened, I can
convert my ten thousand, hundred thousand or whatever. But remember
your RMD is already going to push up your income bracket,

(02:00:26):
so therefore conversions are going to make that even worse.
If you're wanting to do ROTH conversions, the best time
to do it is before you have these require minimum
distributions kicking in.

Speaker 1 (02:00:34):
Do you as a financial planner? Is it person contingent
about whether or not you do a conversion? Because if
I converted my four to one K, I'd have to
pay at my tax bracket the taxes that are due.
I understand that, but is it a good thing to
do that for somebody and the terrible thing for somebody
else to do? I mean, it is.

Speaker 10 (02:00:53):
Very much not a black and white everybody should go
figure this. Yeah, you are very much making a sacrifice
right now. I have a lot of people'll come in
and say, here's my four to one K. I got
a half million dollars. I want to convert that into
a rock. As if I sign a form and it
suddenly poof, tax free. Doesn't work that way. You need
to take in that case, a half million dollars worth
of taxable income, which is going to be a fat
voluntary check written to the irs. Yeah, in exchange for

(02:01:15):
the rest of your life of tax free growth. I
can show you mathematically how that's a good idea, but
I'm not the one who has to write the fat
check to the irs. It's very much a philosophical thing.
My role is to make sure people understand the pros
and cons of it. It will be a very valuable strategy, though.

Speaker 1 (02:01:28):
I am one that am always worried about when I
start taking out my four oh one K distributions, that
they're going to come up with some just outrageous tax
scheme because we run this country into the toilet with
our debt, and they're going to say, well, there's trillions
of dollars socked away in four to one k's, let's
tax them at a much higher rate because we got
a crisis on our hands.

Speaker 4 (02:01:46):
Right exactly, and that's that could happen.

Speaker 10 (02:01:49):
I don't worry too much about double taxation in these
accounts because the people who will have made that choice
will have to run for reelection having been, you know,
having just double taxed everybody and broken a promise that
had been in place for decades.

Speaker 1 (02:02:01):
By that point. Fair enough on that. I'll try to
hang my hat and get some comfort from those comments.
Brian James, appreciate what you do. Thanks to all Worth
again for learning out. We'll do this again next week.
Have a wonderful week, my friend, you too, Stay warm,
you too, coming up, Doctor Ridika rama not in from
the VDD talk station. You know how I love to
help the veterans out and I sure appreciate everything that

(02:02:21):
the since any VA does for our veterans out of
the listening audience who have signed up for their benefits,
and I can't encourage you enough to sign up for
those benefits. They're outstanding, including eye service. That's right. We
have the VA I Center and I understand they're moving
to join the program this morning to talk about that.
Doctor Ridika Ramanad and doctor ramanan And, welcome to the

(02:02:42):
fifty five Careceon morning show. And let me start by
thanking you for what you do for our veterans.

Speaker 11 (02:02:47):
Good morning, Thanks so much for having me here. I'm
excited to chat with you all, and.

Speaker 1 (02:02:50):
I understand the the I Center has moved to a
new location or is moving to a new location. You
can confirm whether it has or is in the process
of it a much bigger location. For what I understand,
did you outgrow your needs at the former location.

Speaker 11 (02:03:05):
Yes, we've been in this current location for over ten
years and we just keep growing and growing, and we
were reaching a point where we couldn't do what we
needed to do and continue to grow. So we are expanding.
We haven't moved quite yet. We're actually moving and transitioning
this weekend next Our first day of operations in our
new building is going to be on December twenty third.

(02:03:28):
The new buildings address is twenty ninety Florence Avenue. It's
going to be on the third floor. We are doubling
in size, so it's going to be over twenty six
thousand square feet of wo eye care. I know, it's amazing,
so we're excited. Well it's coming soon.

Speaker 1 (02:03:46):
Well that expansion and the space needs suggest and I'm
thankful at least what I think it suggests that the
veterans are indeed taking care of their eyehealth. I mean
I regularly see an eye doctor. I had glaucoma. I
had to have the surgery. Forward, it's a genetic thing
in our family and that can make you go blind.
But I always consider like eye care akin to dental care.

(02:04:09):
A lot of people out don't like going to the
dentist and don't do it. If they know they can
see fine, everything seems to be fine, they don't make
an eye doctor appointment. But that pesky thing called glaucoma
or other things could be percolating in the background, which
is a serious problem. So our veterans actively and regularly
getting eye care.

Speaker 11 (02:04:26):
Yes, I mean they should. Everybody should be getting an
eye exam every year. You're right, You're exactly right. There's
a lot of diseases in the eyes that stay silent
and dormant for a very long time before it's noticeable
by by the actual person. And so if you get
these screening exams regularly, we're able to catch them early

(02:04:47):
before they've caused irreversible damage. Additionally, there's a lot of
whole body diseases that show up in the eyes first,
and so we're able to help your primary care doctor
along the way with keeping you healthy as well. And so, yes,
you should be getting IE exams every year. Our veterans,
anyone enrolled in the VA program is eligible for eye care.

(02:05:10):
You don't need to see anybody else in the VA
to be able to see us. We are a direct
scheduling service, so you can just call us directly to
make your appointment. With that you're able to get a
free pair of glasses every year. So definitely come and
see us because we have We have it available to
you and we would love.

Speaker 6 (02:05:27):
To see you.

Speaker 1 (02:05:28):
Oh, I'm sure, and I guess you also do surgery, correct,
we do.

Speaker 11 (02:05:34):
Yes, we do cataract surgery quite routinely, as well as
glaucoma surgery and oculoplastic surgery. What's exciting about our growth
into this new building is that it allows us space
to actually bring to the VA the sub specialty surgical
services that we don't quite have now, and so hopefully

(02:05:55):
in the coming years we'll be able to expand to
be able to offer us and every service clinically and
surgically to our veterans.

Speaker 1 (02:06:04):
Now you had mentioned before, veterans don't need to be
seeking other VA services like for example, you know, I
guess a veteran could have their own PCP that's outside
of the VA network, and then they find out there's
eye services there they can go just exclusively to get
the VAI services.

Speaker 11 (02:06:20):
If they choose absolutely as long as they're enrolled in
VA benefits, they can come only to the eye clinic,
and we do have patients that do that, especially our
younger veterans who need contact lenses, specialty contact lenses, and
or just enjoy the benefit of getting a free pair
of glasses every year. Glasses can be expensive, and we

(02:06:41):
will have an optical shop on site in our new
building as well, so it's kind of a one stop shop.
You can get your prescription, you can go and get
your glasses all on.

Speaker 6 (02:06:49):
The same day.

Speaker 1 (02:06:50):
How about that? Now? I can I just ask you
because I'm intrigued. I didn't personally know that your eyes
can reveal other medical conditions within your body that you
might have another great in the CNI doctor and eye
specials at the VIA center, But can you give me
an illustration or two of what that might reveal?

Speaker 11 (02:07:08):
Sure, So, anything that affects the blood vessels in your body, diabetes,
high blood pressure, people that are, you know, on the
verge of having a stroke, several other diseases in the body.
Because the eye has blood vessels nerves, you can see
those things early because they're smaller and they get affected first.

(02:07:31):
So let's say you're a diabetic. Before things affect your
kidneys and you know other organs in your body, we
can often see changes in your eyes that we can
help your primary care doctor or make them aware of
so they can do the necessary testing and then treat
you early.

Speaker 1 (02:07:45):
All right, well, you mentioned the free glasses annually. You
also offer gratuitous or free contact lenses as well.

Speaker 11 (02:07:53):
Yes, so we provide contact lenses to those that have
medical need for them. So we're not doing anything cause
medic but our patients that have medically necessary contact lenses,
we do provide the measurements and those services as well.

Speaker 1 (02:08:07):
Oh wonderful. Well in the new center twenty ninety Florence Avenue,
Sweet three hundred and third floor, and then again that
opens on the twenty third of this month.

Speaker 11 (02:08:18):
Yes, sir, fantastic excited.

Speaker 1 (02:08:20):
Well and you should be. And to my veterans out there, hey,
you got to get in to see your eye doctor.
And for no other reason that pesky glaucoma problem which
doctor ramanad And can confirm, can make you blind and
you won't know you've got it if you've got it.
I had no idea I had glaucoma. It's like, hey, Brian,
guess what you got glaucoma. Welcome to the eye drops.
And the eye drops quit working. So that's when I
had to have the surgery, but as a quick painless

(02:08:42):
operation there doctor, And I'm glad I had been taking
good care of my eyes because that's again a pesky,
real problem.

Speaker 11 (02:08:50):
Absolutely, and it's unfortunate how often we hear the story
of man. I wish we had gotten this taken care
of earlier.

Speaker 1 (02:08:57):
So come see us, Come see him, doctor Romadadan, and
thanks again for what you do each and every day
at the Cincinniva. And salute all those folks at the
VA for what they're doing for the American veterans. I
hope you have a happy holidays and keep up the
great work and good luck in the new facility.

Speaker 11 (02:09:11):
Doctor, thank you so much. Thanks for making time.

Speaker 1 (02:09:14):
For me this morning, Oh, anytime, anytime. Thank you for
what you do.