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November 12, 2025 50 mins
Dreams. Is JLR still apartment hunting? Trump is working on fifty-year mortgages. Who pays your debt when you die? 

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Speaker 1 (00:00):
Excusion coughs is the mic an average of one million
times a show.

Speaker 2 (00:04):
Take advantage of any coffee fit from Dooge.

Speaker 3 (00:07):
Sometimes I coffee.

Speaker 4 (00:08):
It's the only break you'll get from here in her speed.

Speaker 3 (00:11):
I'm not speaking correctly.

Speaker 2 (00:13):
Welcome back to Rover's Morning Glory Shoes.

Speaker 1 (00:18):
He is coming up in a few minutes. What do
you have on the way, Dougie.

Speaker 5 (00:21):
The results are in according to a new study, what
the golp one drugs can do for you on the
good side, I'll tell you additionally, besides losing weight, what
they can do for you.

Speaker 3 (00:33):
Coming up next.

Speaker 1 (00:35):
All right, these are we'll go vio zimpic whatever. All
these drugs are the golp ones. All right, we've heard
some of the bad things we've heard besides weight loss,
and what are some of the good things. We'll fight
out in just a moment, Shane, you're on Rover's Morning Glory,
Your morning Shane warning, Hey, what's happening?

Speaker 6 (00:57):
Well?

Speaker 1 (00:57):
I would calling to kind of talk about.

Speaker 7 (00:59):
That sleep prol Yes, Well, everybody always kinds of associates
fleet paralysis like something scary or fear or they get
woke up and it can't.

Speaker 4 (01:10):
Move and YadA, YadA.

Speaker 7 (01:13):
But I've never personally had it happen to me. But
why can't it be something that's not scary. Why can't
it be like a you know, you wake up and
all of a sudden, there's a sexual demon that just
wants to.

Speaker 1 (01:24):
Yeah, well, speaking of sexual demons, that's what people used
to like back in the old days. I guess what
would happen is they would have people that have these
dreams that they'd have sleep paralysis, and they would have
these dreams that they were being impregnated by a demon.
Is that a I don't know if that's a subcubis,

(01:45):
that's I don't know what they would call it.

Speaker 8 (01:47):
Is that female demon who's described in various folklore as
appearing in the dreams of male humans in order to
seduce them.

Speaker 1 (01:55):
Okay, and then then there's so there's also is it
an incubus? Is that a? Is it a male demon
that's having sex trying with the woman anyways? Yeah? Yeah, So,
I mean this was commonly held belief back in the day,
that you were having sex with these with these things.
But I don't know why this lee paralysis has to be.
I think your brain freaks out because you can't move. Yeah,

(02:17):
you want to get up and move and you can't
to freak out.

Speaker 9 (02:19):
It's never really good, right, like you fantasized about and
you're like, all right, well this isn't too bad after all.

Speaker 1 (02:25):
I did have one time I dream and I'm not
even really into Jennifer Aniston. I mean, I find Jennifer
Aniston to be attractive, you know, I think she's she's pretty,
but I've never been like, oh, I'd love to date
Jennifer Aniston. It's just never been my thing. And one
time I had this dream, and I'm telling you, I
mean this was probably ten years ago, and I still
remember how vivid this dream was. I had a dream

(02:48):
that I was having sex with Jennifer Aniston and I
was dating Jennifer Aniston, and it was I mean, my
life was set. I'm dating this movie star our TV.
She's she's pretty, she's rich, she's famous. And I woke
up from this and honest to god, for like a
minute or two, I truly believed I was actually dating

(03:15):
Jennifer Anderson. I woke up and I'm like, oh my god,
my life is I can't believe it. It's so great.
I'm dating and then you look around and go, oh wait,
hold on, no, no, oh no, that was all a dream.
It was extremely One of the most vivid dreams I've
ever had was screwing Jennifer Aniston. And even I'm not
even into Jennifer Aniston. Uh, I'm just looking at Jeffrey

(03:40):
in there. What do you what's the most vivid dream
you've had? You have sexual dreams?

Speaker 5 (03:44):
No?

Speaker 1 (03:46):
H no, nothing, You've never Crystal little offended. You've never
had a dream about Crystal. Honestly, no, I'm seriously now,
have you ever had have you ever appeared in other
women's dreams? Showing up both?

Speaker 4 (04:05):
Where's a person that used to work here who described
something something like of that nature? Oh yeah, that was
the lady that used to work on the afternoon show.

Speaker 1 (04:15):
What'd you do in the dream? Erica? Lauren? What did
you do? What happened?

Speaker 4 (04:20):
She said that she dreamt about me, h.

Speaker 1 (04:24):
Me and her hooking up and her cheating on her
sexual me. Yeah? Oh wow, that's and did that make you?
How did that make you feel? I was like, I'm
no prize. Catch you think Crystal's ever dreamt about you?

Speaker 4 (04:37):
I don't think so. I don't think any girl would.
I'm not, like I said, I'm not a prize catch him.
But still, I mean, I don't think I'm the kind
of person girls would dream about. Trust me, Doude, she
let me ask you a question.

Speaker 1 (04:50):
So I've had that dream about Jennifer Aniston that was
very vivid sexual dream. I mean, I I do you
you haven't been late and so long? Do you have
those kinds of dreams?

Speaker 5 (05:04):
No, I'm just by the end of the night, I'm
just so tired that I just fell right to sleep.

Speaker 3 (05:10):
I'm exhausted, but I know I don't have No.

Speaker 1 (05:17):
Do you dream of anything? Do you ever recall your dreams?
Just be honest.

Speaker 3 (05:22):
No, he said certain lines about stuff. No, I'll have
dreams of stuff. I haven't take dance class, nothing like that.

Speaker 1 (05:32):
We won nationals.

Speaker 5 (05:34):
No, I had a dream that I was at a
friend's house who had just had a baby, and she
left me there and I dropped the baby and it
was like, I can't tell her that.

Speaker 3 (05:45):
I mean, I just have stupid dreams.

Speaker 1 (05:48):
Wait, you dropped your friend's baby, like right on its head. Yeah,
and then what do you do? You go? Oh my god,
how do I cover for this? Like the baby is.

Speaker 5 (05:56):
It's like when you drop food on the floor and
you're like, oh, it's finding, you brush it off, and
then you eat it. The same thing it was in
the because I was just scared to meet the baby.
So that was one of the dreams I had in
the last month or so.

Speaker 1 (06:10):
It's crazy.

Speaker 3 (06:12):
And then I did go.

Speaker 6 (06:15):
On.

Speaker 5 (06:16):
Then I did meet the baby, and I kept thinking
about the dream, like, oh my god, I better not
drop this thing.

Speaker 1 (06:21):
Is this going to happen in real life that I
have some sort of primedition about wrapping this baby?

Speaker 5 (06:26):
Yeah, I have to watch the kid tonight. I'm like,
oh Jesus, I can't drop it.

Speaker 1 (06:31):
Crystal. Do you have sexual dreams? I have?

Speaker 8 (06:37):
I have, But I would say I mostly dream about
haunted houses and that there's a ghost in the house,
and I'm usually kind of scared about there's some kind
of presence in the house.

Speaker 3 (06:49):
But I mean that's the most frequently.

Speaker 1 (06:51):
Like the house here in right then, or you're in
a different house and there's a ghost in there.

Speaker 8 (06:56):
For a while, it was the same house, an imaginary house.
I've never been to this house, but now it's a
new home and also a place I've never visited before.
But I will have those dreams for a while.

Speaker 1 (07:11):
What would happen if you, Let's say you went somewhere
and you walked into a house and you go, oh,
my god, this is the house from my dream.

Speaker 8 (07:22):
I'd probably buy it because the houses I dream about
are huge, old Victorian homes, which I really love, so
I probably want it.

Speaker 3 (07:32):
I'd be like, this is the house I've been dreaming of.

Speaker 8 (07:34):
I obviously am connected here for some reason, and I
need to purchase his home. But I dream a lot,
and I dream fast because I fall asleep very quick.
The skinny will he laughs at me because I'll be
close my eyes and I will wake up in a.

Speaker 3 (07:49):
Few seconds and he's like, well, what's happened.

Speaker 8 (07:52):
I was like, I was just dreaming that I walked
into this home and a scary man was standing there
and that freaked me out. And then after I tell
him that, I will go right back to sleep and
something will happen again, and he'll be like, what is
happening now?

Speaker 1 (08:05):
And I was like, Oh, she's insane in her dreams,
I think, is what it is.

Speaker 8 (08:09):
I laugh and I talk out loud, and I have
screamed many times people's names and things I wake myself
up sometimes, but I do dream a lot. I just
smoke a lot of weed too, so sometimes it makes
it hard to remember your dreams.

Speaker 1 (08:22):
This is like Snincer. He talks and yells out and
his dreams and mumbles and oh, all right, I.

Speaker 4 (08:30):
Could say that if I can recall a dream. I
think about one month ago, I dreamt that I was
opening up for Fia Vidal, who doing stand up?

Speaker 1 (08:39):
Really?

Speaker 10 (08:39):
Yeah?

Speaker 4 (08:39):
Doing stand up to actually being open yet? And how
did you do? I let's say I did a whole
lot better than I did it. How they hangover? I
think in twenty nineteen. So you killed it. You got
a standing oh got a standing ovation and Fea loved
it and everything. And so the only reason why you

(09:01):
read about this stuff.

Speaker 1 (09:03):
You're shaking your head, No, Snitz, he don't believe this.
You're not buying this.

Speaker 4 (09:07):
Why would he make this up up?

Speaker 1 (09:09):
So you can? You know?

Speaker 4 (09:11):
Because the reason why it popped up in my dream
is because I was watching some of our very early
stand up in the early nineties.

Speaker 1 (09:18):
Yeah, I guess maybe if he does he watches that
I watched for.

Speaker 4 (09:22):
A lot of I watched like various periods of her
stand You know her.

Speaker 1 (09:25):
Stand up now.

Speaker 4 (09:26):
I mean the stuff that goes back to like the
very early nineties when she like in nineteen nine when
she when she was in the opening the show she
did a show at Rodney's Plays and and then the
next year later she did a show with Pam Stone
in nineteen ninety called the showtimes a para checker.

Speaker 1 (09:43):
All right, I don't I don't need the whole run
down too.

Speaker 11 (09:47):
Yeah, my dreams or never anything I've ever wanted to do,
like for Jeffery to be like, oh I was flying
a jet like that. My dreams were always either unremarkable,
nothing's going on, just they today stuff, or I've committed
a heinous crime and I'm on my way. I'm either
on the run, like it's a crime I didn't want

(10:08):
to do, but for whatever reason, I did the crime.
Somebody's dead, some something have done and I'm gonna, now
what are you gonna do? And I'm gonna get caught,
or I'm already in the process of getting caught and
I'm gonna end up in jail. And that's my that
is my most reoccurring dream is I'm going to end
up in prison, and it's terrifying.

Speaker 1 (10:27):
I have a I have that dream that I've committed
a crime, killed somebody, and now you're you're left there going, Okay,
what do I do next? Do I do I hide
the body? Do I flee? Do I try to pretend
like nothing happened? And you don't know what to do.
I do have that occasionally, but I don't know. I
guess I do dream. I just don't remember him too frequently.

(10:50):
Scott in Pennsylvania, You're on Rover's Morning Glory. Then we'll
get to the shoes. We go ahead, Scott, Hey, what's up?

Speaker 9 (10:55):
Rover?

Speaker 10 (10:56):
Big fan of yourself wanted to say? When I was
when I was younger, I went to a job corps
in Kentucky and me and my friend were well, we
weren't friends right away, but we were roommates, you know.
We met each other. We ended up in the same room,
and one night.

Speaker 12 (11:13):
We're both sleeping and we both wake up at the
same time and look at each other and asked if
we had the same dream. And we both actually had
sleep paralysis at the same exact time, and we woke
up and asked each other what happened, and we were
saying how we couldn't wake up, and we heard noises
all around the room, and it was like a struggle
to get up.

Speaker 1 (11:35):
Carbon n the same time, you think that's what it was,
trying to carbon monoxide. They were slowly being suffocated poisoned.

Speaker 10 (11:42):
There was four of us to a room, and it
was separated by a wall, and me and him were
on the other side of the wall, separate bumps, and
we were the only ones who had that dream, same
exact dream.

Speaker 1 (11:56):
Had you taken any illicit drugs or medication prior.

Speaker 10 (12:01):
To actually when you're when you're at that school, you
get drug tested before you go in, and you're not
allowed to do any of those kinds of things while
you're there, you could hardly leave.

Speaker 1 (12:12):
H I don't have an explanation for that other than
sheer coincidence, I suppose, or perhaps you have some sort
of you know, maybe you have some sort of connection
tell A tell a whatever, telepathic connection with that person.
And I don't know, I have no explo Maybe.

Speaker 10 (12:31):
It was like a scientific phenomenon or something.

Speaker 1 (12:36):
I look, I believe I don't believe in spirits and
demons and all this stuff that Tucker Carlson believes in,
but I do believe that there might be ways that
we communicate or have a connection or something like that
that we don't fully understand, you know. Like I go
back to that thing I've talked about it before where

(12:57):
plants have a mechanism where if bugs are eating one plant,
they can they can release almost like the plants can
release almost like I don't know if it's if it's
a chemical or what it is, but they can communicate
almost with other plants and say, watch out, these these
bugs are eating me. And then the other plants develop

(13:17):
like a defence mechanism against it, which is bizarre. The
fungal network is that you're talking about fungal network, I'm
not sure talk to each other. There's huge network and
they can communicate. It's very strange. So I believe that
perhaps there is something along those lines that maybe we
don't fully understand or comprehend. I don't think it's like

(13:40):
we're you know, like, oh, I'm reading the mind of
somebody who or oh I heard a commercial for California
psychkics recently. I don't believe that that's. No, they're not
I'm not you know, they're not reading my stuff over
the phone or whatever. But I don't know, maybe maybe
something weird like that. Jay Lynn in Pennsylvania. You're on
Rover's Morning Glory.

Speaker 13 (13:59):
Good Morning, Good morning everybody today.

Speaker 1 (14:03):
Hey, what's happening?

Speaker 13 (14:05):
I have a good one last week out of nowhere,
except I guess, probably due to a little bit of
sexual frustration, I had a good three sume dream. I've
been married for twenty some years now, and out of nowhere,
I jumped about my first dry hump and my husband
we had a threesome with him.

Speaker 14 (14:27):
I mean.

Speaker 13 (14:30):
Okay, so as as a kid my first dry hump,
he was not a boyfriend, I guess, yes, yes, as
a teenager. And my husband, of course, knows about this
experience I had many years ago, and uh you know,
we would we've talked about it and whatever. I was

(14:53):
afraid to tell him that morning.

Speaker 1 (14:54):
Because we had fought.

Speaker 13 (14:56):
Uh So I didn't want to, you know, get accused of,
I don't know, thinking about some money from my past
or anything.

Speaker 1 (15:01):
Okay, So wait, hold on, So you had a dream
about the first guy that you dry humped, and then
in said dream, then did it morph into you having
a threesome with that dry humper and your husband and
they were both going to town on you.

Speaker 13 (15:15):
You got it?

Speaker 1 (15:17):
Oh, got okay? So then do you wake up and
do you do you tell that to your husband and
go like, man, I had a dream that remember that
guy that I dry humped when I was sixteen years
old or whatever.

Speaker 13 (15:30):
Yeah, exactly that I wanted to But we woke up
late that morning, so we were kind of, you know,
in a rush.

Speaker 9 (15:36):
And we were, you know, shimpy.

Speaker 1 (15:38):
With each other.

Speaker 13 (15:38):
You know, I'm sure the married person you can understand.
You know, if you're having a bad day, you kind
of take it out on your spouse. And yeah, so
that morning I did not tell him, But actually it
was yesterday that I said. I said to him, you
know last week when we were late that morning, I said,
I wanted to tell you, but I just didn't know
how it would go over. When we had the laugh

(15:58):
of all laughs was good, It was good for the now.

Speaker 1 (16:01):
Did he did sometimes you might have a dream about
something you want to experience. Did he follow up hearing
your story and say, well, honey, maybe we should give
that a shot sometime.

Speaker 13 (16:15):
We've already had these discussions and we are quite not
vanilla people. So I'll just say that we are open
to experiences. We have not done this yet, but we
have discussed it.

Speaker 1 (16:27):
We're you know, all right, but you just haven't pulled
the trigger yet. Okay, some sometime in the future perhaps,
all right, Jaylen, thank you? Uh Dougie, are you ready
for the shizzy? Yeah, here we go.

Speaker 5 (16:45):
I'll roll this morning glory up day to a story
that we have been talking about. The baby formula company
by Heart said yesterday that they have recalled all of
their infant formula products in the US, all of it recalled.
This comes as the f and the CDC they're investigating
a multi state outbreak of infant botulism that we had

(17:06):
talked about that maybe tied to the company's US made
infant formula. At least fifteen people were suspected or confirmed
infant botulism had been exposed to these products, according to
the FDA.

Speaker 1 (17:19):
So what happens to these babies? Were they did? They
hopefully they didn't die, But like, what's the outcome if
you get botulism as a baby? I mean, that doesn't
sound good. What happened to these kids?

Speaker 5 (17:34):
No deaths have been reported, but they say that eighty
four infant nationwide have received treatment for the botulism. The
company represents only about one percent of infant formula's sales
in the United States.

Speaker 1 (17:48):
Yeah, I was going to say, have you even heard
of this? I'd never even heard of this brand. I
didn't know if it was a big brand or not.

Speaker 5 (17:53):
Immediately stop using this and it can take The botulism
symptoms can take weeks to develop, so some of the
symptoms may include constipation, poor feeding, loss of head control difficulties,
swallowing in a weak and altered cry.

Speaker 3 (18:10):
All right.

Speaker 5 (18:11):
A new study finds the gop one drugs, like ozembic,
manduro and we govi, they are linked to significantly lower
rates of colon cancer death. Researchers at the University of California,
San Diego found that colon cancer patients taking the blood,
sugar and weight controlled drugs were half as likely to

(18:31):
die within five years. The highest survival rates were among
those who had very high body max index to begin with,
along with other health issues. Researchers believe one of the
keys to the higher survival rate is that gop one
meds battle full body inflammation, so that could be just
yet another reason to get these drugs more affordable.

Speaker 1 (18:54):
People, how would they I thought they should were a
newer drug. I mean maybe they've I don't know when
they were invented, but they've already done a study, a
five year study our colon cancer with this.

Speaker 5 (19:06):
This is these drugs have been around. It's not like
they're just discovering it.

Speaker 3 (19:10):
It's weight loss.

Speaker 1 (19:11):
As a weight loss yeah, okay, so we're using it
for dollar yea. And my uncle was using it like
a decade ago. Found kidding. I don't know, I've been
around that long. Yeah. Okay.

Speaker 5 (19:20):
So there's a cold snap in much of the country,
and that means southern and central Floridians have to watch
out four falling iguanas. They are cold blooded creatures and
their bodies shut down when the temperatures drop below forty degrees.
As a defense mechanism against the cold, iguanas do sleep
in the trees, which is why they drop in front
of people.

Speaker 3 (19:39):
And they can hit you. They can hit you in
the head, they can scare you, and they're heavy.

Speaker 1 (19:43):
Some of these things are big.

Speaker 14 (19:44):
Yeah.

Speaker 5 (19:45):
The creatures stay paralyzed until the temperatures warm up and
then they're fine. So just be careful if you're walking
around down there. If it's cold, you're gonna see some
falling iguanas.

Speaker 3 (19:55):
Have you ever been hit by one?

Speaker 1 (19:57):
I've never been hit. I've never seen a falling iguana.
I've seen some massive iguanas. I mean these things are
I mean unbelievably huge, I mean absolutely huge. They're like dragons.
But never I mean the temperature. It's rare that the
temperature gets us cold.

Speaker 5 (20:14):
So and finally, the Mega Millions jackpot, it did get
to nine hundred and sixty five million dollars, the second
biggest lottery prize of the year so far. No tickets
matched all six numbers that were drawn last night, although
the eventual winner will take home a much smaller payout
after taxes and deductions. So the Megamillion's jackpot rose to

(20:37):
nine hundred and sixty five million.

Speaker 1 (20:39):
Dollars, or at the billion dollar mark almost Now that
it's coming in approaching a billion dollars, maybe that will
push it over the edge to actually get to a
billion before the next draw. But are I'm in? I
got tickets?

Speaker 3 (20:54):
Powerball has risen to five hundred and twelve million.

Speaker 1 (20:58):
That's your limit? Yes, absolutely, Okay, Now I'm gonna have
to be It's sort of a bummer because I want
to win but now that both of them are over
five hundred million, it means I have to play both,
and that money adds up fast when you're playing these
because they draw what is it two or three times,
three times a week or whatever it is. I mean

(21:20):
you're putting ten bucks in each time. That's thirty dollars
a week for each one, and you do it for both.
Now you're up to sixty dollars a week. That's and
I never win anything. It's not like I win, Oh
hey we got ten dollars. Oh you won twenty dollars,
or you won a dollar. It's very rare that I
win anything on these. All right, go on, here we go.

Speaker 3 (21:42):
That's the shizzy on Rowers Morning Glory.

Speaker 2 (21:45):
There's a place where the orange content flows like water.

Speaker 4 (21:49):
And the streets are paved with skid mark. Is it heaven?

Speaker 2 (21:54):
Now?

Speaker 4 (21:55):
It's better? It's Rang Plus.

Speaker 2 (21:58):
Sign up now radio dot Com.

Speaker 1 (22:11):
Here's someone who send us a text message says good
morning to Rover Dougee, Charlie Sninzer, Jeffrey Crystal. To Dougie,
you are a strong, beautiful woman. Don't let anybody knock
you down. To Crystal, you're a beautiful woman with a
sexy voice. Even when you're crying. Your voice is sexy,

(22:35):
and I love the tone in your voice when Rover
introduces you and your response is YO, finds that very sexy.
And then this person has a question directed you know, Charlie,
you and me. They don't want to know anything about us, stincer, no, nothing,

(22:56):
just wants to tell the two girls they're hot and
and then wants to ask Jeffery, what was the outcome
of your eviction situation after you went to court a
few weeks ago? What I think they might have.

Speaker 3 (23:12):
Heard a best off?

Speaker 1 (23:15):
Yeah, it might have been a segment. I know we
started the show late one day a couple of weeks
ago because of I think I was flying in and
got there later. Whatever the case might be, maybe that
was played. But Jeffery, you haven't been to a viction
court recently, have you.

Speaker 4 (23:32):
No, I've not gotten any notices or anything of that ancre.
So that was a best off on the last place
I had lived at when we got that situation, So
that I believe was the best off.

Speaker 1 (23:46):
So he was being evicted from the place that they
lived in at the time he was fighting that, and
that he just stayed in there for past the date
or whatever. And then eventually he did vacate the premises. Now,
what did they do. They said that they were going
to remodel that place. That's why they wanted you out
of there. Did they ever do that?

Speaker 4 (24:04):
Okay, here's my understanding and the way I best remembered
what happened when this first came about. We were told
we were given ninety days to move out find another place.
Because my understanding was the guy that we were the
gentleman we were reading from, was was an elderly gentleman.
He did home and he did home remodeling for a living,
did death for many many years. And I think at

(24:26):
some point between twenty nineteen and twenty twenty, this health
took a turn for a worse. I means he was
declining in healthwise. So his grandson came in and took
over that kind of stuff, collecting the rent, blah blah blah.
And then all of a sudden in March of I
think twenty twenty or twenty twenty one, that we got

(24:47):
I got a phone call says that we need to
a lot of ninety days. We planned on selling the
house blah blah blah, and we went through that whole process.
That's pretty well documented on our show.

Speaker 1 (24:59):
And we will getting documented again. Okay, yeah, go on
and then and.

Speaker 4 (25:04):
So let's fast forward to today. We saw that house
on the market meet the house on the rental market,
maybe about a year ago, okay, And we saw that
the guy whoever, whoever owns the house, I don't know
if he's still a grandson or somebody else. The rent
was twenty it was twenty seven hundred and fifty dollars.
And I've seen the pictures of it. That was the

(25:26):
house was remodeled, both both.

Speaker 1 (25:29):
How did it look inside when you saw the pictures
or were you like, oh my god, I can't believe
that's the same place. Did it look beautiful?

Speaker 5 (25:35):
Oh?

Speaker 1 (25:35):
It was.

Speaker 14 (25:35):
It was.

Speaker 4 (25:36):
Everything was updated and everything like dah. They just like
I guess, they did what he called an interior demolition.
And what are you paying in rent? When I was
living there for the fifteen years that I lived there,
and this guy who had a soft spot for us
because we knew one of his other tenants for a
long period of time, he only charged us seven hundred
fifty dollars a month, and that's what we paid for
the fifteen years that we lived there.

Speaker 1 (25:57):
No wonder they could wait to get you out one
hundred and fifty he was paying. Oh so that now
they're no wonder, Now they're making two thousand dollars a month.

Speaker 4 (26:07):
Saw the guy saw just simply saw dollar signs.

Speaker 1 (26:10):
And that's not that's only on one. It was it
was two units in there, right, So.

Speaker 4 (26:14):
It was Yeah, he was a side by side du plas.
We were living on the arm on the right hand
side of the house. If you're facing the house at
the front, we were living on the right hand side.

Speaker 1 (26:21):
He potentially could be making four thousand dollars a month
more than what he was making before. Now, of course
he had to put the money into remodel and all
of that. But I would have liked to see the
before and after pictures. I mean we've seen them before, yeah, when.

Speaker 4 (26:35):
Living And my whole theory was, I believe we were
purposely priced out of that neighborhood. That's the way. That's
that's my theory and all.

Speaker 1 (26:43):
I don't know if you were priced out of the neighborhood,
but that guy wanted to get no, well, he pushed
you out because he wanted to make more money. So yes,
he he got you. You had no lease signed. He
wanted you out of there so he could remodel.

Speaker 3 (26:55):
And it's still busy.

Speaker 1 (26:56):
He then now is charging one.

Speaker 4 (26:59):
You know, I don't care what you guys think or
what your theory is. That's fine, I'll you know, I'll
roll with that. But my personal theory is I feel
in my mind that weird price out of there. Yes,
he wanted to make more money because you had to
put the money into the you know, reading to play,
you know, renovating the place and whatnot. Two tiers in
a bucket, chuck it. I always have a roof over
my head and I'm grateful for that.

Speaker 1 (27:21):
Wait, Huston Key did this on purpose to secure review,
just to screw you, and that's why you did the
renovations or no, I'm saying he.

Speaker 4 (27:30):
Saw dollar signs, he saw on the potential and then,
like any like any other kind of business person, of course,
he wanted me out there because I was paying like
I was only paying the rent never for fifteen years
we lived there and the rent never went up.

Speaker 3 (27:43):
So you can't blame him for saying I need to it's.

Speaker 1 (27:46):
Any property taxes are probably going up every year.

Speaker 4 (27:49):
Yeah, anytime you do something you make it improvement on
a property, the property taxes go up. Like I said,
whatever the case may be, I'm only grateful that I
have a roof over my head.

Speaker 1 (28:00):
And that's all I got to say about that. I
can't find the name. Why do you keep saying that
I can't find this for rent anywhere? Jeffrey, I think already.

Speaker 4 (28:07):
I think that. I think it was about a year ago.
I think day they probably already got a tenant.

Speaker 1 (28:12):
Nate, you'reon Rollver's Morning Glory, Good morning Nate by cy
r By. What's happening, Dougi? I love you?

Speaker 14 (28:20):
Yep, I was just to end this dream talk. I
called him before and I told you I was the
one that had very aggressive OCD where I basically popped
my eyeball and basically tore my tongue out.

Speaker 1 (28:37):
So yeah, I remember that.

Speaker 14 (28:39):
Yeah, so I've it's been about twenty years. I'm thirty eight.
So I every time my eyes closed and I fall asleep,
I dream. I have reoccurring dreams. I have translusive dreams.
I have almost cream in your genes dreams. So yeah, yeah,

(29:02):
yeah a lot of times, a lot of times. So
I'll be I'll be let's say two and a half
Men is in the background, and I will be dreaming,
and then I start singing the song to someone else
and we start singing together. And it's because that's in
the background. And as far as the creamier jeans grow,

(29:25):
as you probably want to know, I'll like, yeah, you'll.

Speaker 1 (29:33):
Be looking looks right now. It's a different half men.

Speaker 14 (29:38):
I was looking lips too in that dream. But anyways,
when so when you when you lose a dreaming, obviously
know what's going on. So I'll just flirting with this
girl or something and then I'll go me radio friendly
and then uh, and and don't wake up right before

(30:01):
I bust uh, just to keep my undo jo.

Speaker 1 (30:09):
I know it's very No, that's weird, that's good, that's okay.
So you can wake yourself up right before you climax
in your dream so that you don't.

Speaker 4 (30:21):
I have a more radio friendly version of that description
to call it a nocturnally mission.

Speaker 1 (30:26):
That's what I used to call it. All right, you're
right right. What did you just call this guy Jeffrey?

Speaker 4 (30:34):
No, No, I told him he was describing.

Speaker 1 (30:36):
What did you call him? What was let me finish.

Speaker 4 (30:41):
I was trying to come up with a more better,
radio friendly.

Speaker 1 (30:46):
Question. What his name was Dean Dean? Yeah, I said,
that's we're not talking to Dean, We're talking to Nate.
Dean is online. Three.

Speaker 4 (30:59):
Oh my bad, my bad, dad. I apologize for that.
Please accept my apology.

Speaker 14 (31:03):
You know, I'm just saying, it's okay, Dean's Dean's nuts.

Speaker 4 (31:07):
It's okay, Dean's nuts on your mama's face.

Speaker 1 (31:09):
How about that app Oh all right, man, thank you? Yeah, okay,
too soon, Okay, all right, I've got to take a break.
Eight sixty six. Your Rover is the number, eight sixty
six nine six seven six eighty three seven week. We'll
be right back. Hang on.

Speaker 4 (31:24):
There's one way to tell if Jeffrey is lying. No,
his lips smooth. Come I quitt bellishing. Got back to
rovers Morning.

Speaker 15 (31:32):
Glory Dean in Rochester, New York.

Speaker 1 (31:44):
You're on Rover's Morning Glory. Good morning, Dean, Good morning.

Speaker 4 (31:48):
I want to talk with Jeffrey.

Speaker 16 (31:49):
Jeffery, you said fifteen years You're never rep your rent
never went up.

Speaker 4 (31:54):
To fifteen years that I lived in this particular address. Yes,
that's very hard hard to believe.

Speaker 16 (32:00):
So do you think me the Mary Elizabeth was providing
rent control services to the landlord all those years to
keep that rent.

Speaker 4 (32:08):
Oh no, because he was married. Okay, he was married himself.
So nice, you're married. Yeah, whatever, dude, Like I said,
all right, no, that and that's that's what I don't know,
what the hell. I'm so pissed off right now. I

(32:29):
just can't and say that because what this guy said,
he just it just did some of the voice and whatnot.
You know, it just it just my wife is not
that kind of person. I mean to do you don't
like his voice and say that. I'm just saying he
didn't like the way he asked this question. But he
acted in such a snarky tone of voice.

Speaker 16 (32:48):
But no, I just it's hard to believe the rent
doesn't go up in fifteen years. It has to be
something that would help control.

Speaker 4 (32:55):
No, No, Dean, Nice, try dude, all right, if my wife.

Speaker 1 (33:00):
Could keep my rent low, I'd be happy.

Speaker 4 (33:03):
My wife didn't have to do anything of that nature. So,
like I said, nice, try dude. All right, Deaned, thank you,
good theory. But Jeffrey has shut this down. Speaking of Jeffrey,
I might have an idea for you.

Speaker 1 (33:15):
You are thinking about moving, thinking about finding a new apartment.
I don't know what's going on with that. Maybe the
process has stalled out. Don't I be in the water,
dead in the water. Yeah, okay, not looking.

Speaker 4 (33:28):
For It's like places I've looked at before, derevv have
a very similar area to my apartment.

Speaker 1 (33:33):
The rent's about what I'm paying right now or even higher.
I mean, looked at any other areas And no, I've
not looked at any other areas. But put the textics
at you and you sent a face back to me like.

Speaker 4 (33:49):
A whoa, oh yeah, hold on that, hold on, say
and Charlie me give me the picture you sent me.

Speaker 1 (33:58):
Was it a picture?

Speaker 9 (33:58):
No?

Speaker 1 (34:00):
Well what did you send him, Charlie? A link to
a place for rent? Yeah?

Speaker 4 (34:04):
Yeah, but it's not it's a nice trailer, a little
to no working. But it's out in Lorraine County.

Speaker 1 (34:10):
So what what you drive forty five miles a day anyways?

Speaker 15 (34:16):
Doing it?

Speaker 1 (34:16):
Just going nowhere?

Speaker 3 (34:17):
It could be great to check that out.

Speaker 4 (34:19):
Yeah, but also you're not only paying for the rent
for the unit itself, but also the lat fee.

Speaker 1 (34:24):
Yeah it's ten. So the trailer I send him was
it's okay? Nice? Ten?

Speaker 11 (34:28):
Grand for the trailer, and then the lot fees are
how much? I know because I investigated a little bit.
I'm wondering what you okay, how much more investigated, Jeffrey?
Because I sent this to you?

Speaker 1 (34:40):
What day? Five hundred bucks a month? Okay, five hundred okay?
So wait when you say ten thousand, that means he
owns the trailer for ten thousand dollars. Yeah, okay, and
then he has to pay a lot fee of five
hundred dollars a month. That's a lot cheaper than what
he's paying now. And I okay, all right, could be
a potential option, but no, I mean I have another option.

(35:02):
Perhaps it's another Monday, So don't even click on it,
all right, Yeah it's not.

Speaker 8 (35:10):
I mean it was so occupied he did it right now,
it looks like.

Speaker 1 (35:14):
It's still ockey. Well, it wouldn't be for sale if.

Speaker 4 (35:16):
It were, because it's because I looked at the pictures
and there's still stuff in there.

Speaker 8 (35:21):
Well, most people want it to look at most people,
so you can imagine living in it yourself.

Speaker 1 (35:26):
When people sell their homes, they take pictures of like,
you know, the furniture is in there. I mean, they
don't move out of their home before they sell their home.
Most of the time it's outstaging. Well, this doesn't stay.
Just as somebody is. They're trying to get rid of
their place. They're living there. They're living there. That can't
take everything outside because we're gonna take a couple of
pictures and then let's take a photo shoot. Move all
this stuff outside, and then we'll put it back in.

(35:48):
You're not going to be with them, and there's stuff,
there's stuff's gonna be gone. But they're showing the size
of the bedrooms, the bathroom. See when you buy the place,
they would move out. That's how it works. Okay, Charlie,
I'm not you know, you're not what. I'm not going
to see the R word. I never suggested that. I've
just said you saying, okay, I get that. I get

(36:08):
the point. So you didn't even look. Well, I have
another option for him. I have another possible scenario that
could work out in Jeffrey's favor if he's willing to
try this. Now, you went down the home ownership route
a while ago. You put a thousand dollars in escrow,
the deal fell through, they held on to your money.

(36:29):
You never asked for it. Back. Three plus years go by.
You've just got that thousand dollars escrow money back I
think last week. So kudos to you for getting that
back after all the times we've told you to get
it back. But he finally got it back, not on
his not because of his efforts, but because somebody reached

(36:50):
out to him on Facebook and they go, we will
all handle it for you, and they did, and it
was a woman, so he listened to her. But the
new possible scenario for you would be courtesy of Donald J. Trump,
he is working and has directed the whoever is in
charge of mortgages with this Bill Poulty guy or whatever,

(37:13):
who's in charge of the Housing Administration or something.

Speaker 4 (37:16):
Housing a division of Housing, Department of Housing and Urban Development.

Speaker 1 (37:20):
Okay, well dead. The last person I'm sorry he is.
This is the Federal Housing Finance Agency Director Bill Poulty.
He says, thanks to President Trump, we are indeed working
on the fifty year mortgage, a complete game changer. Okay,

(37:43):
So don't worry about inflation, don't worry about rising crisis,
don't worry about home costs going through the roof. We're
going to give you a fifty year mortgage. Right now,
Traditionally it's a thirty year mortgage. Most people opt for
a thirty year mortgage. You could do less, fifteen year,
ten year, twenty year, five year, whatever you want to do.

(38:04):
But thirty year mortgage. That has helped people afford homes,
but now they're getting out of reach again. So fifty
years is how long the mortgage rate will be. It
will be an option for you. Would you like to
move into a home and hold a fifty year mortgage?
But your payments will be lower because of that, you'll

(38:26):
never pay it off right ever, But will you be
willing to do that again?

Speaker 4 (38:33):
With anything? Any politician, regardless of their political affiliation, party
leanings where the case. Maybe there's going to be pros
and cons to everything. Now, the fifty year mortgage sounds
like a good idea lower payment. It's just I will
have it paid off in my lifetime. That's the big drawback.

Speaker 1 (38:50):
Yeah, I don't know if I know about this.

Speaker 4 (38:54):
And then what happens is if I die before the
mortgage is paid off, that burden shifts to my widow,
which she not capable of doing that.

Speaker 5 (39:02):
That's the problem. So I have a question with that Rover.
If we were just talking a friend of mine. We
were just talking about this. If you're married and say
the husband dies and she, the wife, is not on
his mortgage, she does not have to pay. I mean,
she wants to live there, but she doesn't have to
pay his debt?

Speaker 1 (39:20):
Does she?

Speaker 3 (39:21):
Or is credit cards?

Speaker 5 (39:22):
If it's only his name, does she have to pay
his credit cards off?

Speaker 1 (39:26):
A wife? Yeah? I don't know.

Speaker 3 (39:29):
Because it's not in her name.

Speaker 11 (39:30):
Shared, But what's stopping somebody that's about to die to
just get a bunch of credit cards, go nuts and
start buying stuff, gifting it to all of your family members,
knowing that you're not going to pay for it because
you're going to die.

Speaker 3 (39:43):
I'm sure people do that.

Speaker 1 (39:44):
My mom has to pay for it.

Speaker 5 (39:46):
My mom has said before, I don't care. I'm gonna
I'm gonna put as much.

Speaker 1 (39:51):
You guys with my dad. Well, do you get the debt?
Does that transfer?

Speaker 3 (39:54):
I have nothing and she has nothing in my name.
I have no that works financial tie.

Speaker 1 (40:01):
I don't know. Yeah, I don't know either. But you know,
if they don't take care of it, and let's say
they have the remaining mortgage, if the wife doesn't pay that,
then the bank is going to take the home. So
in that case, yes, but what if you got a
bunch of credit cards, you just start buying a bunch
of stuff, but then giving it to your family. It's

(40:23):
like an inheritance. But we're just spending it on yourself
because you go, I'm going to drop that, we'll go
out with a bang.

Speaker 4 (40:29):
Who's gonna is that fraud?

Speaker 12 (40:31):
Well?

Speaker 1 (40:31):
Who are they going to go after your dad? They
can't go after you.

Speaker 3 (40:34):
Yeah, I don't know how that works.

Speaker 1 (40:36):
Huh, yeah, I don't. I don't know. I we sound
really stupid right now. We should know this. But anyway,
so fifty year mortgage is here's what I don't like
about this. Will it lower your monthly payments? Sure it
will to some extent, but you are going to be
paying that literally forever. You're going to be dead before

(40:59):
your home. I mean, if you want to be in
debt eternally, could you pay it off early? I suppose,
But I mean that's a long period of time. Thirty
years is a long period of time. As it stands
right now.

Speaker 11 (41:11):
A lot of people fifty a lot of the people
that are first time home buyers, I think is the
average right now is forty years old. Forty, so you're
gonna pay it off when you're ninety what ninety years?
This is a good plan. This is a terrible plan.
And then I saw examples. Let me, I'm trying to

(41:32):
find the example of how much.

Speaker 1 (41:35):
Here's one. All right, here's one. Look at it. Five
hundred thousand dollars house, thirty year mortgage. Well spelled wrong.
I don't know if I could take this serious. Anyways,
your interest would be two hundred and fifty seven thousand.
All right, this is a bad example because the interest
rate's wrong. Yeah, hold on the twenty one versus twenty
twenty five with a three percent interest rate in twenty

(41:57):
twenty one. Yeah, that it's going to be. Look, mortgage
rate are significantly higher than they were years ago, but
it's going to you're gonna end up paying more. I
don't know what the exact number is. Let's say over
a thirty Let's say you buy a five hundred thousand
dollars home. I got one, right, for a thirty year mortgage.
You might pay nine hundred thousand dollars in total payments.
You're paying four hundred thousand dollars of interest or whatever.

(42:18):
This is this is do it over fifty years. You're
paying one point three million dollars. This is a big
plan interest for almost twice as long banks.

Speaker 11 (42:25):
This is all it is is to get the banks
tons and tons and tons of money. Here's the example here.
This is better four hundred thousand dollars house. It's six
percent for thirty years. You actually end up paying eight
hundred and sixty three thousand once you include all the
interests you paid over a fifty year plan, that four
hundred thousand dollars house is one point three eight million.

Speaker 1 (42:47):
This is a huge check to the banks. What a
dumb plan, terrible plan to save. Yeah, you might be
saving two or three.

Speaker 11 (42:55):
Hundred dollars a month if you live for even if
you've lived to pay it off, you won't You probably
won't live to pay it off. And you're paying it's
almost twice as much you're paying in the end.

Speaker 1 (43:08):
And the way that they structure these is that your
payments for the first so over the course of a
thirty year mortgage or in this case of fifty year mortgage,
when you make your payment, let's say, just for the
sake of argument simple math, let's say your first payment
that you make is one thousand dollars your mortgage payment
every month, one thousand dollars just for the sake of argument.

(43:28):
Out of that thousand dollars, nine hundred and ninety nine
dollars goes to paying off interest. One dollar goes off
to paying off the principle of your home. Now over
the course of thirty years, that is upended, but that
takes thirty years to do that. So you're paying off
the interest up front basically, oh yeah, as opposed to

(43:52):
eating into So you're making your payments every month and
you're thinking, oh, I'm getting some equity in my home.
I'm owning a little bit of my home. No, not really.
You're paying the end for yourself. And if you spread
that out over fifty years, you're paying I mean.

Speaker 4 (44:06):
Twenty five years no equity in your home.

Speaker 1 (44:08):
After twenty or thirty years is when it starts switching
to where you're paying more principal than you are interest.

Speaker 11 (44:12):
I mean, that's forever, forever. Here's another example here, this
guy's got it. Thirty year, your payment would be about
three three grand a month, all right for a five
hundred thousand dollars house. All right, three hundred or three
grand a month for thirty years, only twenty six hundred

(44:32):
over if it's a fifty year march, So you do
save three hundred and sixty five dollars a month.

Speaker 1 (44:37):
That's pretty good. But when you look at what the
total interest paid five hundred thousand interests or a million
dollars interest, that's insane. That's insane that this is even
being suggested. What a moron. And here he is talking
to Laura Ingram about it. If you'd like to see, okay,

(44:58):
us there's still out of reach.

Speaker 17 (45:00):
Another thing that your administration is trying to tackle how
many Americans the average age of first time home buyers
are now up to age forty, which is sad the
country you and.

Speaker 1 (45:09):
I and inherited that.

Speaker 4 (45:10):
Look, you have to understand, right.

Speaker 9 (45:12):
But how's we get to the Quinn question?

Speaker 13 (45:13):
Though?

Speaker 17 (45:13):
Because your Housing director has proposed something that has enraged
your MAGA friends, which is this fifty year mortgage idea,
so a significant mega backlash, calling it a giveaway to
the banks and simply prolonging the time it would take
for Americans to own a home.

Speaker 4 (45:30):
Outright, is that really a good idea?

Speaker 6 (45:33):
It's not even a big deal. I mean, you know,
you go from forty to fifty years four years you pay,
you pay something less from thirty that. Some people had
a forty and then now they have a fifty. All
it means is you pay less per month you paid
over a longer period of time. It's not like a
big factor. It might help a little bit. But the
problem was that Biden did this. He increased the interest rates.

(45:55):
And I have a lousy fed person who's going to
be gone in a few months.

Speaker 1 (45:58):
Fortunately his fault. It just his great plan and lie,
I mean just the lie of it's forty your mortgage.
Some people have their thirty years.

Speaker 3 (46:07):
Is there even a forty You can probably carry forty years.

Speaker 1 (46:10):
Yeah, probably a one hundred year mortgage if you some
if some bank wanted to underwrite it, I guess. But
did you see it? It's not common, he said yesterday.
A but H one b ones? What is the H
one h one B visa holders? Visas? These are for
the workers that come in. These are the skilled workers
that software companies UH will hire people on these visas. Okay,

(46:33):
I hate America. This hate Americans. Listen to this H.

Speaker 17 (46:38):
One B visa thing. Will not be a big priority
for your administration, because if you want to raise wages
for American workers, you can't flood the country with with
tens of thousands or hundreds of.

Speaker 6 (46:48):
Also, do have to bring in talent when we do
talent fail.

Speaker 4 (46:52):
You don't know, don't we don't have talented people.

Speaker 6 (46:55):
Now you don't have you don't have certain talents, and
you have to people have to learn. You can't take
pe pull off an unemployment like an unemployment line and
say I'm going to put you into a factory. We're
going to make missiles, or I'm gonna play Did we.

Speaker 3 (47:06):
Ever do it before?

Speaker 1 (47:08):
Wow? Oh all right, America doesn't have the talent. Dauntless
Jeffrey fifty year mortgage for you, thumbs up.

Speaker 4 (47:18):
I had to agree with Charlie's dead. It's just a
big it's the.

Speaker 1 (47:21):
Big banker for the bank I did a minute ago
before Charlie opened his big I gave him the number.
I gave him the.

Speaker 4 (47:26):
Numbers when Charlie gave out the numbers when he said
that when he he more was put in more of
a clairvoyance that he said, really he really.

Speaker 1 (47:39):
Through a crystal ball. Kyle get rond Rover's Morning Glory,
Good morning Kyle.

Speaker 9 (47:46):
Hey Rover, Uh, I was I going to speak to
the whole credit card thing when he passed away.

Speaker 1 (47:53):
My wife's grandmother.

Speaker 9 (47:54):
Passed away, and h little surprise came a couple months
later she had thirty thousand dollars in credit card.

Speaker 1 (48:01):
Debt and uh, nobody knew about it and.

Speaker 9 (48:05):
Her sons are paying for it.

Speaker 1 (48:06):
Now, Wow, you just said no, I didn't buy anything. No,
what if you don't even talk to you? It is interesting?
How could they force you to do that?

Speaker 9 (48:17):
I mean, like if you don't even I don't know
personally over because it's my father in law and my
uncle and you know, it's like their finances. I'm not
too involved, but I think that they threatened, like to
garnish their their credit scores and stuff, and so they
they're they're paying it off. You know, I would have
thrown it in the garbage.

Speaker 1 (48:34):
But yeah, Like, Charlie, you better start asking some questions
about your you know, of your mother and your father.
Be like, hey, hold on a second, you got to
give me your debt profile. What do you have going
on here? Because if something happens to them now, you're
going to be forced to pay that.

Speaker 3 (48:50):
Charlie, look at your mom, Rover.

Speaker 4 (48:52):
Well, yeah, my mother, my mother passed away.

Speaker 1 (48:55):
No, but I did not get any of her debt. Yeah,
but what about since you're like your dad that you
didn't really yeah too, Like, are they gonna what if
you don't talk to a family member and then it
goes to you. No, I'm not paying that. I don't
even I don't even know that guy. Snit's right. I'm
guessing that probably what has factored into this is that
she owns the thirty thousand dollars and they say, okay,
well maybe she also had a home or something like that.

(49:17):
We're gonna we're gonna file a thing and we're going
to try to take you know, fore clothes on this
that or the other. I don't know.

Speaker 9 (49:24):
And the uncle owns owns the home, so I think
they've scared him. So and yeah, I don't know all
the details. Man.

Speaker 1 (49:32):
All right, Kyle, thank you. I appreciate it. I've got
to take a break. Eight sixty six, Yo, Rover is
our number. Eight sixty six nine sixty seven six eight
three seven. Mace wants us to work out a little
mortgage example here. Okay, this might be the way to
get Jeffrey into a new home. If we could pull
up a a mortgage calculator, a what do they call that?

(49:54):
The amorization table. If we could look up a ten
one thousand dollars trailer purchase on a fifty year mortgage,
what's that gonna be and what would he pay per month?
And what would he pay total over the lifetime of
that mortgage. We'll let you know right after this, we'll
be right back on Rover's morning glory. Hang on,
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