55KRC Monday Show - Smitherman, Money Monday, Eric Trump

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Episode Transcript

Speaker 1 (00:08):
Five o five.

Speaker 2 (00:11):
At fifty five k r C, the talk station, Happy Monday.

Speaker 1 (00:30):
I'm the dude, man, I am not. I'm Brian Thomas,
host to the fifty five care See Morning, showing a
very happy Monday to you. Hope you had a wonderful weekend.
Hey go Bengals. That work out for us. All we
need is a new quarterback and everything is going to
be okay. Apparently not anyhow, Hope you enjoyed your day
of football yesterday and feel free to call me this morning.
Got something to talk about, man, I'll tell you what.
Chalk up another win for Donald Trump going on in

(00:51):
the with the red tentative tentative resolution, the situation between
Hamas and Israel. That's the living hostages free this morning,
and there's a lot of celebration going on. A lot
of people really very thankful that the ceasefires at least
in place for now. Hostage is being released. They're busily

(01:13):
trying to find the dead hostages, which is a real
strange thing for me. In any event, I got to
talk about that just a moment here. We got a
great show line down thanks to Joe Strecker, Executi producer.
I hope you had a good weekend, Joe. Christopher Smithman
coming up at seven twenty, I'm going to get him
to respond to this. This keep mag at a Cincinnati
crap that I have to have parwalls floating around. Joe,
do you've believe this to be a sign of concern

(01:36):
from the Parvoll campaign or do you think it's just
typical efforts to fundraise. Probably a mixed bag of both.
Yet I haven't seen any polling to really know. All
we have is early voting, which Republicans have a bit
of an advantage in downtown CINCINNTI is early voting, and
it is early voting, So get out and cast your vote.
How Unkindy Board of Elections, check the hours of operation,
make sure you cast your vote. And of course Christopher

(01:58):
will tell you when he comes on at seven. Only
vote for the candidates you really want elected. Don't fill
in all nine council don't put a vote in for
all nine council members. And of course I hope you
choose Corey Bowman. But anyway, keep MAGA out of Cincinnati,
real leuct have to have Pervall And he goes on
and on about you know, we have to protect what
we've accomplished. Don't undo what we've achieved together. And I

(02:21):
love this one. My opponent, Comma, you know what's next?
Of course JD Vance's brother, which is why it flies
under the moniker keep MAGA out of Cincinnati. As if
Corey Bowman represents Donald Trump or JD Vance. He has
a name, it's Corey Bowman, not Jade Vance's brother. Didn't
put half brother in there anyway. I love this my opponent.

(02:45):
Jdvance's brother has already put us on the national stage.
And it's back by billionaires whose only goal is to
reverse our hard won victories for their own game. All right, Okay,
on and on. He keeps referring to what they have
accomplished under his administration. The hard run victory is that
they've accomplished what are they beatdowns in July. That's what

(03:07):
I was thinking of, Joe, because what puts Cincinnati on
the national stage was all of its great accomplishments under
the Purval regime. No, I don't think so. It was
Holly getting punched in the face and Sarah Heringer's husband
getting killed in their own apartment, where we find out
that you can cut off an ankle monitor and no
one will be looking after you or looking for you

(03:29):
after you've cut your ankle monitor off. Not exactly a
gold Star award winning reality that one. So, if anything's
been putting us on the national stage, I don't think
it's idea that Corey Bowman is running for mayor. I
do believe it's uh, well, a bit of a negative
image on the city of Cincinnati. Yeah, a couple of

(03:49):
the beatdowns in the national reporting on Holly and the
terrible situation unfolding the end of July and that beat down.
Add that to it the well Bengals record. Yeah, we're
on the national stage all right, but not for some
positive things Anyway, Christopher, I'm sure we'll mention the election.
He might address that. I'm gonna see if he will,

(04:10):
because I'm gonna ask him about it. That's a seven twenty,
follow by money money of Brian James Tariff's up interest
on debt topping one trillion dollars and Doge didn't do much.
We'll also get an update on so is the security
plus credit unions versus banks? That conversation, or rather the
interest in that distinction brought up by the mysterious group

(04:33):
of ladies. As we found out Brian James and I
that listens intently to Brian James every Monday, Monday. Good morning, ladies,
if you're listening right now. What else is going on?
Eric Trump? That's right, Eric Trump? That Eric Trump, Donald
Trump's Son's written a new book Under Siege. Eric's gonna
be on the program at eight forty. We'll talk about
that together, and I'm looking forward to that, and I
hope you are as well. Five one, three, seven, four,

(04:55):
nine fifty five hundred, eight hundred and eighty two to three
taco pound five fifty on AT and T phones.

Speaker 3 (05:00):
And yes, our long away.

Speaker 1 (05:01):
To return of the twenty hostages that are still alive
in Gaza underway this morning as I was coming in.
Everybody's happy those hostages have been returned. I guess Red
Cross got them first and I did a health check
on them. But the families are obviously elated. World leaders
are very excited about the developments that are going on,
and Donald Trump's actually getting credit for it, much to

(05:21):
the chagrin of the lefties who apparently refused to open
the government up. Yes, that's right, who's done something and
who's done nothing? Look at four years of the Biden
administration of what he was able to accomplish, if you
can find anything, and then look at the first all
ten months of the Trump administration. Remarkable distinction between the
accomplishments of one and the other. Amazing. Now, I'm a

(05:45):
little reluctant to call this an overall success because these
things have fallen apart before and I've got a little,
you know, sort of the side story on this. But
what's this current situation right now? All the hostages that
are held are going to be released, plus the dead ones,
So bodies of about twenty eight hostages who died or
have are to be handed over later. They suggest it

(06:08):
could be a drawing out process because Hamas has already
told everybody, including the mediators in Israel, that it doesn't
know the location of some of the diseased hostages. They
have a multinational task force now being set up helped
find the missing remains wherever they happen to be. Once
those hostages are released by Hamas, Israel then will release

(06:30):
two hundred and fifty Palestinians that are in Israeli prisons,
as well as seventeen hundred Palestinians who've been detained in
Gaza during the conflict. Some of them pretty bad people.
One big name prisoner identified specifically Marwan Barghouti, ben in
jail in Israel over his role in the Palestinian uprising

(06:51):
in the early two thousand. So just a whole bunch
of them, a lot of them very dangerous people. But
if you return them to a defeated, depleted, perhaps disarmed Hamas,
what can they do? It's a good question. Now we
have US troops arriving in israelis past Thursday, about two

(07:12):
hundred of them to support the ceasefire and to be
part of it, I guess, being formed in a national
team that's supposed to provide the implementation of the ceasefire
while they transition into a civilian government. Troops also will
help facilitate the flow of humanitarian aid into Gaza, which
I understand has started already, making people very happy. Starving

(07:34):
people are very happy when the humanitarian aid finally can
get through, maybe without Hamas intercepting it and taking it
for themselves. So celebrations are upting in Gaza and Tel Aviv.
Mediators and civilians both sides holding their breath to see
if the ceasefire will hold again, noting that these things
have well fallen apart and give away to renewed fighting

(07:58):
in Gaza. Oh, look, renewed fighting in Gaza. Here's where
I think this is quite revealing the complexity of the problem.
Revealed yesterday dozens dead in Gaza after violent fighting within
hours of the release of the hostages. So we got
to sign sealed agreement the twenty point plan, with obviously
some hills and humps and speed bumps to iron out,

(08:21):
but so it's announced. Clashes between local militias came ahead
of the television a televised address for Benjaminett and Yahoo
talking about the imminent release of the hostages. Wait a minute,
what are they fighting over? Well, it's because they're not
a well oiled, all organized machine. You have militias in
various areas. Some of them are like pro Hamas, some

(08:43):
of them are sometimes pro Hamas. Some of them probably
don't want a peace agreement with the Israelis, some of
them want to continue fighting. They're fighting amongst themselves now
reminds me of Monty Python Life of Brian with splitter organizations.
They can't agree accepted what the People's Front of Judea

(09:06):
was the unified enemy of all of these splitter groups,
right Joe. Or is it the Popular Front or was
it the campaign for Free Galilee. I get them all
mixed up. That's kind of thing that's going on right now.
Court of Reports at Israel. The violence in Gaza erupted

(09:30):
when Hamas militants raided the neighborhood of Sabran, Gaza City,
home to a clan referred to as the dagh Mush,
reports Mas Interior Ministry and accused the militia of hacking
its forces, while members of the dog Bush clan said
Hamas had exploited the ceasefire to target them over alleged
cooperation with Israel. Fighting amongst themselves. Local news reported fifty

(09:58):
two members of the Dogmush clan were killed. Twelve Amas
militants also killed. Say amid the bloodshed, three anti Hamas
militias publicly declared their support for Trump's peace proposal and
rejecting Hamasa's authority in the Gaza Strip. So we may
see a day when Hamasa's authority in the Gaza Strip

(10:19):
has been quick completely removed, And this negotiated settlement requires,
at least from Israel's perspective, Hamas to disarm, and I
think Hamasa's it's got a cold water do reality thrown
on it. In spite of the pro Palestinian protesters which
are all over the streets of various US cities with

(10:42):
a little hint of pro Hamas built in there, I
think the international community is not on Hamasa's side. World
leaders from all over praising the peace deal as we
move forward, hopefully worrying about a lasting resolution of the
pain that has been Gaza so for how many decades now?
Five sixteen fifty five KRC DE Talk station. Feel free

(11:04):
to chime in and love to hear from if you've
got something on your mind. Uh call five three seven,
four nine fifty five hundred, eight hundred and eighty two
three talk be right back after these three fords fifty
five KRC. Hey, it's Karen and Georgia and we just
five nineteen Monday. Like it or not, it is five
one three, seven fifty five hundred, eight hundred eighty two
three talk five five fifty on eight T and T

(11:25):
punds now not in the stack is stupid, but maybe
it should be. Considering the subject matter of the back
and forth between Paris Morgan and Zach Polanski, who's the
Green Party leader expressing and revealing the bat crap in
sanity to the left and one of the reasons and
I I can't remember who I talked to last week
about the growing majority of young people, young most notably
young men, returning to faith, returning to you know, core values,

(11:49):
returning to more conservative leanings. I gus specifically why that
might be and suggested perhaps maybe the day the left
went off the rails was when they started telling you
that you couldn't disagree with their interpretation of what it
means to be a man or a woman, which according
to the left, is a self individual saying I am
who I am, and you must acknowledge that and accept it.

(12:11):
Brian Thomas, I'm a guy, right, Okay, I can look
down and prove that I know that it's scientific fact.
If I did it looking at my chromosomes, I'd know
that X and Y are in my bodys because men
have X and Y, women have accent and ax. Aha,
pure plain, simple fact fact fact. Somewhere somewhere along the
lines of the left one completely off the blank and rails

(12:32):
dying you the biological reality and as I always point out.
I don't care. Just don't suggest that you can force
me to adopt your viewpoint. There's never gonna be to
day when that can happen. But they want everybody to
adopt their viewpoint. We live in this we gotta be
quiet world. You must use the appropriate gender pronouns, even

(12:54):
though they're all made up. And you can look down
and see very clearly that that well person claiming to
be a woman's got the whole twig and berrys things
going on, so you don't even know do a chromosomal
analysis analysis of it. Right back to Piers Morgan Zach Plancy,
Green Party leader. I don't know how they got down

(13:15):
this road, but Morgan pressed them on whether a woman
can have a penis? This is where this I mean
that this conversation, even it was a serious conversation, that
it even took place, rewind fifteen years ago or how
wherever wait, and by pulling into a moment in time,
the left adopted this backcrap in saint philosophy. And if

(13:38):
you said out loud, can a woman have a penis?
The whole world would have erupted in laughter, like what
that's even a thing? Apparently it definitely is now the
Green Party leader. In response, can a woman have a penis? Yes,
he said, and endeavor to institute a bit of humor
regard to the National Health Service. Yes, it's going to

(14:01):
take them a long time on the National Health Service
to get rid of it, suggesting like the National Health
Service paying for the gender transition surgery, where it gets
lopped off and replaced by something artificially created. He noted,

(14:21):
but that's a separate problem, Morgan trying to conclude the
issues that I think we'll leave it on. A woman
can have a penis, according to the Green Party leader.
Plasky respond tried to push him back, saying he lacked
nuance and complexity on this complicated issue. Is it complicated?
You're laughing at it, which I think demeans trans people.

(14:46):
He thinks mister Planski has a subjective opinion on behalf
of trans people. He just articulated it anyway, Morgan retorted,
I think it's an absolutely ridiculous response, Amen, peers. Plaski
then demanded, well, what if you got against trans people,

(15:07):
why are you punching down? Why are you not saying
the real problem? It sounds like you have a huge
problem with trans people. This is how they try to,
you know, engage a bit of subterfuge. No, that's not
what Piers Morgan saying. He doesn't have anything against him.
It's just whether or not women can have a penis,
and the answer is definitively no. A court of the

(15:31):
the UK Supreme Court has already issued a decision on this.
United Kingdom's highest court there right unanimously decided in the
case for Women's Scotland Limited versus the Scottish Ministers that
sex under their version of what Title nine or whatever
title we've got, it's the Equity Act of twenty ten

(15:52):
refers to. According to the Supreme Court, biological sex at birth,
not gender identity arly have a gender recognition certificate. You
can claim one of these if you believe yourself to
have turned into the opposite sex. They'll issue one of those,
which says you're a sex that you weren't born with.
But according to the Supreme Court, this g RC does

(16:14):
not trump reality. Your biological sex that birth determines whether
you're a man or a woman. Right, Pulaski believes he
is smarter than the United Kingdom's Supreme Court. Uh, Morgan,

(16:39):
there's not a cat in hell's chance of you ever
becoming a prime minister if you don't know what a
woman is. Morgan interjecting what is described as a sarcastic jab,
why don't you go out tomorrow with your big campaign
that women can have penises? See how you get on
when people see you say to me, women have a penis?
See how it plays out? Right? Pulansky to accused more

(17:04):
going of trying to divert attention for more pressing issues
like can we talk about inequality? Can we talk about
something other than this? Because you're embarrassing me. I've made
a fool of myself. Basically, Pierce said, yeah, you're a
fast emerging politician in this country. I'm perfectly entitled to
ask you what you believe, and you have been crystal clear.

(17:25):
Isn't this great? Plansky? People are not worried about the
trans people. Let's have a conversation about women's right, but
let's not talk about trans women, especially Morgan. Will not
let it go. You said women have penises, and then
Pulanski tries to clarify, saying, well, if a woman is transitioning,

(17:47):
then they can have a penis until someone lops it off,
I guess. Morgan then called it complete barber streisand not
his phrase mind because of the SCC. Plansky then said,
since when are you a doctor or an expert in
women's rights or UK science. That's when Morgan put it
out with the Supreme Court there said hey, the UK

(18:08):
Supreme Court has made at Crystal Claire what a woman is.
Then Plansky suggested it wasn't the Supreme Court's job to
do that. Morgan says, well, to lay down the law
of the land, so you know more than the Supreme Court.
And of course Polanski said, yes, I actually in this case,
I do. Okay, sure you do. Is that the hill

(18:34):
you want to die on? Is that the one? Maybe?
It is five twenty seven fifty five krc DE Talk
station five on three seven fifty five hundred eighty two
three talk local stories or phone calls are will either way.
I'd be right back.

Speaker 4 (18:49):
This is fifty five KRC an iHeartRadio station at the
University of Kent.

Speaker 1 (18:55):
Five thirty on a Monday, five on three, five hundred
eighty two to three talk with Pound Fact fifty on
AT and T phones. Before he gets the local stories,
as is tradition, Tom Happy Monday to you. Welcome back,
my friend.

Speaker 5 (19:09):
Good morning, sir. Do you have a good weekend.

Speaker 1 (19:11):
I had a very nice weekend and nice dinner party
at the house on Saturday with a bunch of friends
over and that was really wonderful. That Oh my god,
the weather is just insane awesome, isn't it.

Speaker 5 (19:21):
So it's it's pretty cool. Yeah. If I didn't if
I didn't work this weekend, I wouldn't have broke as
wet at all.

Speaker 1 (19:27):
So yeah, yeah, and it's my weekend officially begins on
Friday morning at nine when the microphone goes off. I
got great, a great day on the rifle and pistol
range with my daughter and her fiance, just an outstall day.

Speaker 5 (19:41):
That's cold, little family bonding.

Speaker 1 (19:43):
Yeah yeah, yeah, yeah, expensive day. I will point out.
I think I put five hundred rounds a nine millimeter
through my new handgun just to gott me used to it,
and you know, among other firearms that we shot that day.

Speaker 5 (20:00):
So now I know you've you've waxed eloquently about your
future son in law there and uh talk good about
him and all that, But was there was there any
anything in there about hey son? What's what I could
do with this gun oh that going on.

Speaker 1 (20:15):
He's he's quite aware.

Speaker 5 (20:20):
That's already been set in stone already, right, yeah.

Speaker 1 (20:23):
Yeah, well a long time ago. But he and he
and I see eye to eye on the whole second
amend of concept. So that's one of the reasons why
I approve of them so much.

Speaker 5 (20:32):
Yeah, oh good, all right, well you're yeah, you're bringing
up some topics this morning and more proof about how
crazy the left is. And yeah, they they pushed the
limits and I I believe there's something sinister behind all this,
but it's just I mean, even if you don't want
to go that far, it's just common sense stuff. And

(20:53):
it's not because it's tradition, these things that we believe
that you know, men are or women and one can't
become the other, and yeah, it's it's it's not because
we believed it for so long. We believed it for
so long because it's true.

Speaker 1 (21:11):
Yeah, well, okay, a chicken egg thing. Okay, So yeah,
religion does talk about men and women, you know. Okay,
but what came first the science of the X and
the Y, the double X, the reality that men and
women exist separately. The one has a twigging of areas. O.
It is not that men need to have sex with
you know, women. There has to be an egg and

(21:32):
there has to be uh, you know, there's firm to
make children. All of that preceded like, for example, Christianity,
it preceded the God of Abraham. It preceded literally everything,
go back to the dawn of mankind. Religion developed on
top of the science adopting the it's I mean, there
was no argument about it. It's just the simple fact

(21:53):
of nature and reality. Of course it got incorporated into
the religious text.

Speaker 5 (21:59):
Yes, and of course it has become incorporated into common
every day lingo. And this we accept it because it's true,
not because we just accept it. There are things that
get accepted over time which we realize, you know what,
maybe this is such a good idea. But they're going
after stuff that is that's just based truth. And because

(22:20):
what you're dealing with is a side that operates with lies.
They lie about virtually everything they talk about. What they're after,
what they're trying to accomplish.

Speaker 1 (22:31):
It's the very Porwellian ministry of truth. Two and two
is not four and damn it. We are going to
pound it into your head until we're blue in the face.
We're going to brainwash you into believing that two and
two is whatever the state says it is. Right. There
isn't a man or a woman. It's whatever we say
it is. We the state, that's it. There is no

(22:53):
religion to trump what the state has to say.

Speaker 5 (22:56):
That's you know, Thank god, thank god our forefathers set
up a government that allows us to be able to
stand up against this stuff and do something about it.
And when we see people on one side just killing
too far off the rails, as you say, we can,
we can replace them. And that's exactly what we need

(23:19):
to do more and more. We need to replace people
who are doing all this crazy stuff and trying to
take us down a road that we don't have any
business going down. We need to stay as best we
can in line with the truth and reality, and so
that means we need to get rid of the rhinos.
Don't vote for them, and of course, don't vote Democrat.

(23:40):
Have a great day with.

Speaker 1 (23:41):
Thanks Tom, all's a pleasure here from you. You can
feel free to call us well five one, three, seven,
two three talk another number you're going to want to
call the talk station five thirty nine fifty five KRCB
Talk station. Always enjoy hearing from listeners, So we're going
to turn to the phones right now before I get
to the stack of stupid, beginning with Hey, Jay, thanks
for calling Happy Monday to you.

Speaker 6 (24:02):
Hey, Happy Monday, Brian Hey wanted to put a call
out to the listening audience that this past weekend I
finally got off off my butt and decided to go
sign the petition to end property tax in Ohio to
get it on the ballot or I believe November next year, right,
And so I called a couple buddies in the neighborhood

(24:26):
and friends, and I think we had five of us
show up, but I got to tell you I wish
and then I got some petitions and walk them around
the neighborhood. I was shocked to find out very smart,
capable people really had no idea about this, and so
that really kind of got me going. And I think

(24:46):
we maybe got fifteen signatures ready to go. I would
encourage everybody, do not think that somebody else is going
to do it. Do not believe that everybody knows about this.
So if you can like minded people in your neighborhood,
we are in the final push here as Ohiolans that
are just getting slammed with these property taxes. There's no

(25:09):
end in sight, so now is the time to go
out and get it done. And the thing that scares
me the most when I hear voices on the right
and not necessarily you, Brian, but a friends in my
in my own group, they start talking about well, what
concerns me is, well, you know what are they going
to replace it with?

Speaker 7 (25:31):
Well?

Speaker 6 (25:31):
Nothing? If if I had eight to ten thousand dollars
that goes into my pocket for property tax I no
longer have to pay. I suppose I can make all
kinds of educational decision for my children that I otherwise
couldn't make, as far as private schools or homeschooling. That
pays for a lot of homeschooling. We homeschooled, it was

(25:52):
about a one thousand to fifteen hundred dollars a year.
If I get ten thousand dollars, that pretty much pays
the full vote for you know, eight to ten years.
So I don't need them again to replace it with anything.
What I need them to do is spend a whole
lot less money, especially when you take a look at

(26:13):
state's adjacent to us again. Pennsylvania annual budget of forty
five billion dollars and has a one trillion dollar one
hundred million dollars greater GDP in Ohio forty five billion dollars.
We're at one hundred and twenty billion. I think they
have enough, so we don't need to replace it with anything.
They just need to spend a hell of a lot

(26:34):
less money and figure it out. So whatever you do,
don't vote right on and don't vote, don't vote Democrat.
Did Tom miss it today? By the way, I didn't
hear him say that tagline?

Speaker 1 (26:44):
He did. He said it at the end. All us
right with the world? Jay, He's on record, and so
are you. In addition to that recommendation, also sign a petition.
Let's see what happens. Get your popcorn out and watch
it all unfold. And I'm glad it's going to be
on the ballot in next November. Is this year is well.
I'm looking forward to the reaction from the well elected

(27:05):
officials in Columbus on how they plan on dealing with
the aftermath of the eradication of property taxes as a
constitutional amendment here in Ohio. Gotta be fun in games.
Keep your popcorn out staggers stupid woman of Texas shot
and killed in a Pet Smart parking lot after arguing
over not saying thank you for opening the door. Do

(27:29):
what the hell? Forty one year old Cecilia Simpson shot
several times outside the Dallas PetSmart one in the afternoon.
Witness told Pollie Simpson held the door for Keona zach
Cua Hampton, who's twenty two. Simpson allegibly became irritated that
Hampton didn't thank her for holding the door open, triggering

(27:50):
an argument. Simpson and her daughter went into their car
drove to Pet Smart, which was in the same plaza
when Simpson had told her daughter. When Simpson and her
daughter entered the Pet Smart store, she told her employees
they were being followed by Hampton. Hampton allegedly walked into
the store, began arguing with Simpson's daughter, exited the store,
returned a few minutes later when she started another argument

(28:12):
with Simpson. Just let it go, it' be better. Are
being asked to leave the store. Hampton allegedly threw a
bottle at the vehicle Simpson was driving with her daughter.
Police say a physical fight that ensued when Hampton took
out a handgun and shot Simpson three times. Hampton, arrested
Tuesday night during a traffic stop, admitted that she got
into the argument with Simpson, claimed she only took out

(28:33):
the gun when the situation became physical. Physical at whose
hand booked into the county into the jail on murder charges.
No bail set as of the reporting idiots doing idiot
things because they're idiots. Died as a consequence of her injuries,
all for not saying thank you, Okay, we got to Toledo, Ohio.

(29:00):
They were accused of breaking into the hum of a
person she knows and cutting his testicle. Do what he
turned herself into Judge Friday facing a judge this past
Friday morning court show. Janny and Jenneta Hoppings, who's forty
five from Toledo, had her warrant cleared on Friday morning
when she appeared in court and charges of folonius assault
and aggravated burglary. A court of the charging record. She

(29:21):
kicked the door open to the victims Toledo home came
in without permission. Victim told investigators that he heard someone
break in and ran downstairs to see who it was.
He did not have any clothes on when he ran down.
After David alleges this Hoppings assaulted the man by cutting
his testicle sack with an unknown instrument, causing it to
be in the words of the report, clearly exposed as

(29:44):
the result of the laceration.

Speaker 5 (29:46):
Just away.

Speaker 1 (29:47):
She was released on her own recognizance after the court appearance,
placed on electronic monitoring. Yeah, we all know how that
works out. The judge ordered to have no contact with
the victim. Well, not Hamilton County, but it does sound
remarkably similar to an outcome coming from a Hamilton County judge.
Good the talk station, It's five fifty coming up at

(30:10):
five fifty one and fifty five kr CD talk station Monday,
and a happy one Day Christopher Smith minute seven to
twenty money Money with Brian James Ado five Eric Trump
of his book Under Siege and the most important uh
trivia fun fact of today. It's Joe Strecker's birthday. Executi
producer Joe Strecker, Happy Birthday. I just need to ask

(30:34):
him for sure. I had it in my cell phone.
It popped up this morning. It was like, Joe, is
it your birthday today? Yeah, So happy birthday. To Joe Strecker,
make sure you wish him happy birthday on his Facebook
page or call him up and say hey, Joe, happy Birthday.
Over to the stack is stupid good to Cincinnati local
boy being held in the Hamilton County Justice Center in
a one million dollar bond. What do what? Judge was
in front of after prosecutors say he shot a woman

(30:57):
in the chest during a card game. This happened to
win in him bills. October fifth, police called a King's
Run court about quarter to eleven in the evening when
they discovered twenty three year old Rachel Counts dead at
the scene. Officers the next morning arrested in charge twenty
three year old o'marian Horn with her murder in court.
October tenth. Prosecutor say Counts, Horn and other friends gathered

(31:20):
at a home on King's Run. They were playing cards
when Horn pulled out a revolver. Prosecutor said Horn removed
all the bullets but one and said let's play rush
and rule that while he'd only be a bigger idiot
if he used a semi automatic, Joe Horn poned the

(31:41):
gun and it Counts then pulled the trigger, single bullet
and the gun fired, hitting her in the chest and
killing Herron. Prosecutors read the allegations against him, Horn began
to cry in court. Judge Allen Triggs agreed with prosecutors
that a high bond was warranted and said Horn used
a firearm as if it were a toy. It certainly isn't,

(32:02):
noted Judge Triggs, stating the obvious defense attorney had requested
one hundred thousand dollars bond, telling the judge the shooting
was not intentional, and then horneh had no criminal history,
no juvenile record, insignificant ties to the community. That argument
obviously did not prevail. Here we go to Florida as

(32:26):
this tradition. Florida man hit with federal charges. He allegedly
stole seven thousand dollars in scratch off lottery tickets from
a convenience store and then showed up to the same
convenience store mere hours later for the purpose of redeeming
the scratch offs. What forty three year old Justin Farley.
He pulled into Saint Petersburg Circle K beginning of May

(32:48):
and opened multiple cabinets, took and he taking the scratch
off lottery tickets and then fleeing the scene in his
Sunday a Lantra. Forty minutes later, Farley arrived in an
Area seven eleven to redeem seven thousand dollars worth of
scratch offs You're dumbass. After an unsuccessful attempt, the idiot

(33:09):
returned to the same circle K and tried to cash
in on seven ticket books that he had stolen from
the store. That failed again. I guess two separate stores
wouldn't redeem them for him. He left and returned to
the circle K minutes later, only to come up empty
handed a third time. Finalley then drove back to the
seven to eleven and a black mass yellow shirt, black

(33:31):
nikes and pointed a replica glock at the clerk, demanded
the staff or opened up the cash register, successfully stealing
one hundred and twenty dollars from the register before escorting
the clerk to the back of the store and taking
a pack of Newport's cigarettes. Of course, lots of evidence

(33:51):
his license plate plus surveillance footage all led police to
pull him over and book him on commercial burglary and
grand theft charges. After his arrest, Fairley told the cops
that he needed money while getting rine.

Speaker 5 (34:09):
Who can argue with that.

Speaker 1 (34:12):
He did admit to committing the Circle K and seven
to eleven robbery and a recorded interview with police Farley
and died to by Tampa grand jury. Charged with a
charge federally now faces a kind of interference with commerce
by threat or violence, a federal charge against under the
or rather under the Hobbs Act, and that prohibits robbery
that impacts interstate or foreign commerce. Apparently has a significant

(34:39):
criminal history five fifty five fifty five KR see the
talk station lots coming up at six o'clock hour. Peace
in the Middle East? Is it possible? Yeah, maybe, anyway,
a whole lot. I hope to hear from you as well.
Be right back after the brief words and the weather
today off headlines and Thomas right here wishing every one

(35:04):
a very happy Monday. Go bangles right uh five on
three seven four nine fifty two three talk Pound five
fifty on AT and T phones. Coming up on the
Morning Show Monday seven twenty Christopher Smith Aman Money Monday
with Brian James two hours from now. Tariffs are up
interest on the depth north of a trillion dollars and
apparently Doge didn't accomplish a whole lot. Is it still around?

(35:25):
We're gonna get the details from Brian at eight five,
followed by an update on social security and an analysis
of credit unions versus banks. So, good morning to the
quote unquote secret group of women who religiously listened to
Money Monday with Brian James. I hope you're all having
a wonderful morning and that you two had a great weekend.
Today's Joe Strecker's birthday. The most important thing going on

(35:47):
today also happens to be the two hundred and fiftieth
anniversary of the US Navy. Thank you Cribbage, Mike my
submarine or friend for reminding me about that. Since Joe
Strecker's birthday is dominating the national news. Also happens to
be Sammy Hagar's birthday, the Red Rocker sharing a birthday
with Joseph Strecker, executive producer of the fifty five Carocene
Morning Show. So a huge day going on, a very

(36:10):
celebratory mood in spite of the nature of what we
have seen to date since the massacre of Israeli's back
in October seventh, a couple of years ago. Today, the
twenty living hostages. When you consider how many hostages they
took at the outset. It's such a sad, sad state
of affairs that only twenty remain alive. They've been released

(36:32):
by all reports, and the twenty eight hostages which they
say have dead, which are still held by Hamas someplace
can't be located. Hamas has already explained to folks, mediators
and the other officials that are riding heard over this
ceasefire that Israel they don't know the locations of some
of the deceased hostages, resulting in the formation of a

(36:53):
multinational task force to try to find them missing remains.
So a lot of families are anxiously awaiting to return
of the remains and Israel's releasing a lot of currently
captive Palestinians two hundred and fifty in Israeli prisons. There
were seventeen hundred Palestinians detained in Gaza. Those will all

(37:16):
be released after the remains and the well the twenty
hostages that are living are secure. So I think that
latter part has already happened as this morning and again
huge celebration and world leaders and many from the Middle
East praising Donald Trump and his efforts to bring about
this peace agreement, and everybody is aware there's a lot

(37:38):
of details and the devil's always in the details. Will
Hamas disarmed, that's an outstanding question. Twenty point proposal said
they have to. And as I read this morning, Jimas
isn't apparently in control of all these various militias. And
it was reported that yesterday there was fighting among some

(37:58):
of these militias in Gaza. So different sects and factions
beneath the loose Hamas Umbroa, and some of them are
busily shooting at each other. So a lot of problems
to iron out. Ceasefire has gone into effect. There was

(38:22):
much rejoicing over that US troops have shown up. They
showed up last Thursday, two hundred of them who are
going to support the ceasefire and be part of an
international team that is I believe yet to be formed.
There's going to be folks from various different countries again
presiding over the peace deal and the reformation of Gaza
in whatever format comes out on the other side. So

(38:45):
again celebrations erupting in Gaza and Tel Aviv. You've got
all sides happy about this ceasefire. No more bloodshed let's
see here humanitarian aid already flowing into Gaza. Apparently the
Egyptian Read Cross sent four hundred trucks containing nine thousand
tons of humanitarian aid in Gaza. Israel officials put have

(39:09):
six hundred trucks carrying aid that have already entered Gaza. Food,
flower fuel, medicine supplies like tents, blankets, and mobile bathrooms,
much needed stuff for those poor Gozzans Palestinians. I should
point out precise details though remain unclear now this big
issues are days ahead, getting Israel and Hamas to agree

(39:32):
on the exact lines for Israel's military withdrawal. Hamas wants
Israel out of about seventy percent of Gaza in return
for the release of the hostages. Israel wants to vacate
less territory in the two sides still negotiating that detail.
And of course the critical detail for me is is
a mosqueing to disarm and the Rafa crossing with Egypt open.

(39:56):
That's long been a source of a problem because Egypt
said it would not allow the flow of humanity into
its countries. So that's one more detail that got ironed out.
And you add this development to what Trump was able
to accomplish during his first term in the Abraham Accords.

(40:17):
I mean, I don't want to be overly optimistic, and
how can you be, given the history of the various
factions and the fighting among the various countries and the
religious divisions that exist. But a note of optimism I've
never felt, I suppose, in my life about negotiating peace
with the Middle East. There was Carter administration was successful

(40:43):
with regard to Egypt. We know how that turned out
for the president of Egypt at the time. Yes, blown
up by an assassin, But these countries seemed to want
to I mean, they put aside their religious differences. They
all have a vested interest in their own gross domestic

(41:04):
product to secure some form of peace. How many resources
have been thrown by these various Arab countries into military
into you know, acquiring weapons and bombs, and actual loss
of human life fighting amongst themselves a lot. Hmmm. Gee,
if we could just play nicely together, think of how

(41:25):
great it would be. We wouldn't have to worry about
each other. We decided that we're going to take a
peaceful approach of this for the benefit of everybody. Yeah, okay,
you're a different religion. You're a different sact among the
broader categories of religion. All right, you know what, We're
just going to ignore that crap. Could we see peace
in the Middle East in our lifetime? At least we're

(41:46):
a step closer things to well, I suppose to some
degree Donald Trump's willingness to exercise and flex his military muscle.
What Arab country could not take into account, well, the
United States response to Iran and dropping those bunk or
buster bombs on the Iranian nuclear facility, blowing into Hellan

(42:07):
back and setting back their nuclear weapons acquisition operation. How
long has it been set back depends on what's talking
head you listen to, but it has been set back significantly.
Make a note of it, and I'm sure the Arab
countries have made a note of it, and maybe even
Hamas took that into account. Of course, the United States
led Israel free to go after and pursue Hamas in

(42:30):
any way, shape or form it it saw to. And
what was Donald Trump's final warning before the peace agreement
was reached, before Hamas decided to say, yep, we're going
to sign on to this, even though we don't know
all the details. We're a little reluctant about this whole
disarming thing. But they're getting well slaughtered. I suppose there's
the word I could use by the Israeli defense forces

(42:52):
in Gaza. They're losing ground every single day. Yes, the
conditions for the human for the you know, the civilian
population have been catastrophic, you know, the collateral damage of war.
But if you're making inroads and you're busily killing hamas
leaders and they're always announced the you know, leader of
a mass, the most recent leader of a mosas, the

(43:14):
man who has just designated as leader of a mass
ends up getting blown up. And you factor into that
the United States obvious willingness, in spite of a lack
of congressional authorization, to make big military strikes in places
like your on I think you realize you got a
problem on your hands. And to my final point on that,
Donald Trump said all hell was going to be unleashed
if a Moss didn't sit down at the table and
agree to this flexing his military might. If you're Amas,

(43:38):
do you think he's serious about it? Is this one
of those fake Barack Obama lines in the sand that
he ignores when the line in the sand has been crossed. No,
I think the message got out. Donald Trump puts a
line in the sand. I think he means it. We
might want to consider this peace thing. It's not going
real well for us, and the world rejoices six fifteen

(44:00):
five kr see the talk station and you'll rejoice too
if you talk station six nineteen at fifty five krsit
talk station, feel free to call love hear from listeners
five one, three, seven, five hundred eight, tenned D two
to three talk pound five fifty on ET and T
phones over fifty five car sea dot com. Corey Bumman
from are the post debate discussion ahead last week Jack

(44:21):
windsor war on hemp and property taxes. I have a treasure.
Robert Spragg there running for a secretary of state. Got
an update from Robert Spragg and of course all the
other podcasts fifty five car se dot com. We'll also
be able to get a copy of Eric Trump's book.
He'll join the program today at eight forty to talk
about under siege. Looking forward to that, and I hope
you are as well. Uh, mass layoffs had begun well,

(44:45):
the government's still shut down. Donald Trump promised to do
this and Donald Trump delivering on yet another promise. Oh,
I'm shocked that the White House has started to cut
jobs and they're largely focused on Democrat priority shocking.

Speaker 7 (44:55):
No One.

Speaker 1 (44:56):
White House said on Friday it started la mass layoffs
because of the government shutdown. White House Office Management Budget
Director Russell Vault. Are the riffs have begun, he said,
He's new one b had. He characterizes the retrenchments as substantial.
Thousands of federal workers are going to be losing their jobs.

(45:17):
President Trump from the Oval Office said it will be
a lot, and it will be Democrat oriented. They started
this thing. So far, more than four thousand employees across
the federal government issued layoff notices. Department of Health and
Human Services, Energy and Homeland Security, Education, Treasury, Commerce, Housing

(45:41):
and Urban Development all taken some hits. More than eleven
hundred workers at Health and Human Services multiple different divisions,
got the reduction enforced notices on Friday. Some who lost
their jobs over the weekend deemed quote at odds with
the Trump administrations make them America Healthy Again agenda. That

(46:02):
statement from Andrew Nixon, a spokesman for that department. Now
it's noted over and over and over again in the
reporting that previously during shutdowns. Layoffs have not been part
of the resolution. And of course there's already lawsuits filed.
Got some senators, Democrat senators saying that reductions in force

(46:24):
are not a new power to these bozos get in
a shutdown. We can't be intimidated by these crooks. Patty Murray,
Senator said, And of course there are going to I
mentioned illegal challenges. Also, the White House has previously cut
funding for democratic run states and cities. Omb put on

(46:47):
a hold on eighteen billion dollars going to New York
City for infrastructure work. City of Chicago, well two point
one billion dollars was allocated. There has been well cut
off and the moves described to impose pain on Democrats
and their programs. And why not use the shutdown to
engage in this. We'll find out from the courts whether

(47:07):
or not it's lawful and legal. But I always go
back to the fact that you know, the rest of
us out here in the real world face this kind
of like issue every day. We're all subject to get
in the acts. Everybody, is your job going to be
impacted by artificial intelligence? Can your job be saved in

(47:28):
the face of artificial intelligence?

Speaker 4 (47:29):
Maybe not.

Speaker 1 (47:31):
Are you gonna be upset if you get laid off,
of course, but nobody's gonna weep for you, and nobody's
gonna run into court saying I'm sorry, you can't fire
this person spite of the fact that this artificial intelligence
has rendered their job to be pointless. I doubt that
a court of law is going to entertain that argument.
How is it then it works for the federal government employees.
Do they have extra protections? I know they've unionized with

(47:53):
their in line. Part of the challenge of getting ridy
and rid of and right sizing a government that just
grows and rows and grows every single year. And going
back to something that Brian James is going to talk about,
our interest payment on the National Bet has exceeded a
trillion dollars. We've got mandatory spending programs that takes up

(48:20):
to I guess two thirds of all the government outlays.
But there is a third out there that apparently is
not mandatory, which means it's discretionary, which means maybe there's
some areas of government we can resize. How many times
has your business gone through a reorganization to stream line,
to get rid of the fat quite often middle management

(48:42):
of the ones that are the target of these reorgs.
When I was over at Anton, Blue Cross and Blue Shield,
I think I went through three of them and lots
of people lost jobs. And I'm sure they've gone through
more of those since then. I've seen countless articles about
reorganizations and private corporations with thousands of people, quite often
in the tech sector, losing their jobs. They're not guaranteed employment.

(49:04):
And the reason the private sector does that is because
they realize they have inefficiencies. And when your goal is
profit and improving your bottom line, quite often a duty
that's a fiduciary duty owed by the board of directors
to you, the shareholder, that has to happen. Why doesn't
it happen in government? Don't we want the most, the

(49:25):
leanest and most efficient government we can. This is our
money that keeps it going. And you know, I'm sorry.
The thirty seven trillion and growing national debt shows that
it's way too big. Six twenty five, I know state
in the obvious local stories coming up absent phone calls,
We're going to go with local stories. I want to

(49:46):
first go with USA Instilation, this talk station. It's six
twenty nine here fifty about Kerosene de Talk Station Monday,
Christopher Smithman Monday Money Monday, and Eric Trump of his
book Underseat. You'll joined the program at eight forty talk
about the new book. Over to the phones, you can
feel free to call on. I love hearing from listeners
and Jay engaging in a conversation. Of course, you can

(50:07):
steer the direction of the conversation and have to rely
on me to be the editorial director of five one, three, seven, four,
nine fifty five hundred, eight hundred and eight two three talk.
Let's see what Bobby's got this morning. Bobby, welcome back
to the show.

Speaker 7 (50:19):
Happy Monday, Brian, how was your weekend?

Speaker 1 (50:21):
Fantastic weekend. I hope you can say the same.

Speaker 7 (50:25):
Well, yeah, everything went well. Hope everybody had a nice
weekend and hopefully this week will turn out well. And
be careful where you walk in Cincinnati. I mean, you
know they'll run you down and nobody knows who they are.
They don't check any cars. And you say like that,
let alone the stabbings and the couple shootings we had
over the weekend.

Speaker 1 (50:46):
Well, according to a have tab provol and his re
election for mayor materials our safety is under attack by
MAGA bullies. Bobby, didn you realize you were safe down there?
And that if we went with Corey Bowman, who apparently
has been designated as a member of MAGA by AFTAB
pro Ball, he might get in touch in control of

(51:07):
the things, and this safety that we're enjoying right now
might be torn apart. According to AFTAB pro.

Speaker 7 (51:12):
Ball, I wouldn't listen to one word Man said.

Speaker 1 (51:20):
No, I'm not listening to him. I'm not believing him.
I'm just using the phrasing of his own words against
him because it doesn't make any damn sense. We're gonna
be talking about this out at the top of there
news before we get to Christopher Smithman. Thank you brother,
Thank you, Bobby. Have a great day. Oh and there's
a glock article out of a California Maybe I'll get
a chance to take a look at it. Since you

(51:41):
are a fellow Second Amendment fan exercising that right. Keviner
Newsom just signed a law banning the sale of new
glock pistols, the most ubiquitous handgun around. He's got an
interesting and bizarre reason for claiming he has the right
to ban them. Just get your popcorn out wait for

(52:01):
the litigation that will ensue. Councilman Greendale, Indiana arrested on
Friday for multiple felony theft related charges following a three
month investigation. Indiana State Police in a release said Brett Hamilton,
forty six, suspected of stealing thousands of dollars from the
Dillsboro Civic Club he was president. Investation investigation began in
July this year, led by the ISP detective to Tim Denby,

(52:27):
discovered Hamilton allegedly stole from the Dillsborough Civic Club's funds,
using the money for personal gain between twenty eighteen and
twenty twenty five. Dearborn County Prosecutor's Office reviewed the case
decided to file charges against him this past Friday. Rest
warrant issued for felony charges of theft, fraud, money laundering,
cor op business influence, and official misconduct. Arrested by Lawrenceburg

(52:48):
Police on Friday afternoon, being held a Dearborn County jail,
penning his first court appearance. Trust in public officials, It
is a funny kind of a funny article in these
I guess you see dot edu reporting on their website,

(53:11):
but they did a price index on inflation on our
local called local favorites, iconic brands, specifically like Skyline Chili. Hey, Joe,
do you ever you e to go grocery shopping? You
ever pay attention to the cost of a can of
Skyline Chili in these inflationary times? Not really. That's one
of the ones I kind of keep an eye on.

(53:31):
Oh my god, mind blowingly expensive compared to what it
used to be just a couple of years ago. I
guess price of beef has dramatically increased the cost of
Skyline Chili. That's one of the ones that was identified
in this You See Enquirer Price Index. They track costs
the thirty local goods, and they have since the spring
of twenty twenty three. There's a professor Rashimi Advol who

(53:52):
follows this. He said, overall trend is up for most
items on the list. Prices are finally beginning to bite
and showing over increase. Latest data shows prices for certain
items that Skyline the Roses are well catching up to
or out pacing inflation. So this you See enquire Price

(54:14):
Index with these thirty specific local favorites jumped nine point
nine percent since twenty twenty three. The national average of
inflation is seven point three percent. They say six out
of the thirty items have stayed the same price during
that period of time, including Frank's Red Hot Bottles, clostrom
In Big White Bread, and original tide Pods, Truth by

(54:35):
Ryin Guy, six packs, two percent milk from UDF, and
a pint of Christian Morlins re ad Ale. Everything else
up nine and change. Basically, two people were dead following
a three vehicle crash Middletown. Happened on Saturday. Middletown Division
and Police reporting that officers called to the State Route
one twenty two and Dixie Highway for the crash about

(54:55):
six pm. Three people taking Atrium Medical Center for life
threatening injuries, one per sadly pronounced dat and arrival. Officers
say that two others were then flowing to Miami Valley Hospital,
where one person later died. Other person remains in critical condition.
Please say they do not believe speed and impairment played
a factor in the crash, at least presently. It is

(55:15):
still under investigation, but if you have information, I guess
Middletown Division to police, the folks to call Sergeant Rogers
specifically six point thirty five right now, a fifty five
KRCD talk station and something you want to do before
the winter time. I mentioned USA's phone getting ahead of
wintertime on that, but how about your chimney Chimney Care

(55:36):
fireplace in Stow Now is the best RCD talk station.
I can't wait to talk to Christopher Smithman about after
Purvoll's latest effort. I don't know if he's worried or not.
His materials are just side splittingly funny. He doesn't even
refer to Cory Bowman. He refers to his opponent JD

(55:56):
Vance's brother, of course, and then keeps going Maga magam
magham mega, maga macamega as if that has any impact
on Corey Bowman or what he has envisioned for the
city of Cincinnati. If you don't leave my boiled down
recitation along those lines, listen to what he has to say.
Go to my podcast page fifty five Carecy dot com
and feel free to call me like Tom did. Tom.
Welcome to the Morning show and a very happy Monday

(56:17):
to you.

Speaker 8 (56:18):
Hey, good morning, Brian. How are you.

Speaker 1 (56:20):
I'm doing great. I hope you can say the same.

Speaker 8 (56:22):
I can thank you a great show today. Thank you sir,
I just thought it was I just thought it was
funny and very interesting about the whole mayorial race right now.
A group that I belong to in Madisonville, we have
been reporting potholes as a quality of life issue and
a lot of other things besides that. But lately I
have not had to report a pothole in over thirty days.

(56:44):
All the potholes are repaired.

Speaker 1 (56:46):
Interesting, and they tell you.

Speaker 8 (56:47):
They tell you that when you called that. They don't
send people out to look for potholes anymore. They rely
on the public to do this. But I have not
had to report one in over thirty days. It's probably
more like forty forty five. I thought that was very unusual.

Speaker 1 (57:02):
You think this has anything at all to do with
the upcoming election?

Speaker 8 (57:07):
Oh, I'm not sure about that.

Speaker 1 (57:10):
Has anybody dropped the dime on and reported Sunset Avenue
my favorite illustration, deteriorating road.

Speaker 8 (57:18):
I hear you, I hear you talk about that all
the time.

Speaker 1 (57:20):
Something you know, somedaytime they're going to fix it, and
then I won't have that to complain about it anymore.
I don't know why it has been fixed. It has
looked like that for years and years and years. There's
gotta be a reason for it.

Speaker 8 (57:32):
The real because maybe it's because the city doesn't listen
to you.

Speaker 1 (57:36):
Well, true, repair them, but so many people have to
break down. You do the same, Tom appreciate that going back. Yeah, progress, Hey,
that's some of the progress that after that probably gonna
hang his out on. Now you had to wait for
it until the month before the election, but hey, look
you had a month without having to report a pothod
a bottle in your neighborhood. What how has the years

(57:58):
got the attention and real quick care. I just want
to let you know about something. You know, we have
Keith Tenfeld and George Brownman on on the on the
the Health episode, we spend an hour talking about health trends.
He got Maha movement in RFK Junior and a lot
of people starting to really pay attention to consider what
they're eating. And we've taken a go at that. In
my house preservatives and additives. Now ever since I won

(58:20):
on my diet the whole you know, we haven't been
buying any processed foods. But I like breakfast sausage, and
you eating the old Bob Evans breakfast sausage and I
know that's got preservatives, additives and nitrates and all that
kind of stuff. And I thought to myself, you know
what breakfast sausage. It's just ground pork and spices. You
can look it up. There's a recipe for you know,
breakfast sausage spices out there. So I bought two pounds

(58:43):
of just plain old ground pork, got them for four
dollars and twenty cents or something a pound. That's two pounds.
It made twelve, maybe sixteen breakfast patties after I seasoned them,
put them in a cryback bag, frozen, had them for
breakfast over the weekend. It was outstanding and saved a
ton of money. I looked up bob Evans. It's ten ounces.

(59:05):
If you get those links or the patties, ten ounces
is going to set you back like six dollars ten ounces.
So I get a pound of ground port for four
to twenty nine and about two cents worth of spice
is thrown in there. I've got a pound of breakfast
sausage for a little over four dollars versus the six

(59:26):
I would have paid for ten ounces of bob Evans.
So I'm just throwing it out there and little trick
of the trade I found out when I made it.
The recipe I saw said add if you would like
a little sweetness to it, maple syrup or some brown sugar.
I chose the former because we have maple syrup that
we got out of our trees or maple trees on
the in the yard. Last year. It made fantastic maple syrup.

(59:47):
And boy, that sausage turned out great. So save yourself money,
get rid of the preservatives. And added is make your
own just thought I mentioned that, and buy bulk coffee
and don't go to Starbucks if you're saving trying to
save some money. Coffee has gone through the absolute blanket roof.
And I'm telling you something you already know. Son, take
a break here. Coming up, I just I do want

(01:00:08):
to mention this. Gavin Newsom having a go at the
Second Amendment again, this is crazy. Before we get to
the top of the air, News followed by Christopher Smitheman
with the Smither vent It's six forty nine at fifty
five KARACD talk stations. Christopher smith Aman at seven twenty
coming up the smither Vent five three seven eight hundred

(01:00:33):
and eight two three talk or pound five fifty on
AT and T phones. Please feel free to call I
just got a kick out of this. You know that's
Democrats desperate to take away your guns and and so
trying to take away your guns. They never really take
them away, because, let's face it, there are hundreds of
millions of firearms out there, ones that never were subject
to a band, and ones that will still be out
there even in the aftermath of the glock band legislation,

(01:00:56):
which Governor Gavin Newsom signed into law on Friday, Assembly
Bill eleven seven, labeled by the National Shooting Sports Foundation
as a glock ban, This will take effect July of
next year, which means probably a whole bunch of people
running around buying clocks right now before the band goes
into effect. And I'm sure this will be stopped by

(01:01:16):
some court, but it bans the sale of new Glock
brand pistols on the heels of glock days over twenty
two three this past Saturday, Did you go and get one?
Glock band? Described as a Democrat sponsored legislation fashioned as
a response to the use of illegal glock switches. You

(01:01:38):
buy a little piece of plastic, you apparently can easily
install it on a glock gun and it turns into
fully automatic even who loves these gangsters, most notably gangsters
who have no idea to hit what they're aiming at.
It's spray and pray, and of course the prayer by
the gang banger is to maybe hit something that they're
aiming at. I find these things to be ridiculous and stupid.
I'd never own one, but they are illegal, so I would.

(01:02:00):
I can own one anyway, I'm not inclined to break
the law. They are federally prohibited block switches, popular among
gangs and street criminals. As I point out, democrats are
banning new sales of one of the most popular handguns
in the world because some are fitted with glock switches.

(01:02:27):
They are machine gun convertible. You go and buy a
glock handgun. It complies with all laws. It is not
a fully automatic firearm. It is semi automatic. One trigger
pull shoots one bullet, repeat process to shoot another. Clock
switches unload a hole magazine in a matter of a
moment's time. They're really stupid fast and makes a handgun

(01:02:50):
very difficult to control too my subjective opinion, You can
draw your own conclusions. Go ahead and try one. Out
sometime if you want to run the risk of getting
arrested for having one. Court to the legislation, a machine
gun convertible pistol, in other words, one that has not
been converted into a new machine gun. They define it

(01:03:12):
as any any semi automatic pistol with a cruciform trigger
bar that can be readily converted by hand or with
common household tools into a machine gun by the installation
or attachment of a pistol converter as specified, and pistol
converter as any device or instrument that, when installed or
attach to the rear of a slide of a semi

(01:03:33):
automatic pistol, replaces the backplate interfering with the trigger mechanism,
enabling the pistol to shoot automatically. The point of all
that is you're doing something and converting a legal firearmy
into something illegal. Already illegal to own one of those,
it's on the book. So that's not quite good enough.
So let's see if we can get rid of all
of them. This is the reaction banning the most popular

(01:03:59):
handgun in the world because it can be made illegal.
It makes the mind kind of wonder how many firearms
out there can be turned into something unlawful because you're
tinkering with it, and then so tinkering subject yourself to
federal prosecution. This bill would expand the above definition of

(01:04:25):
machine gun to include any machine gun convertible pistol equipped
with a pistol converter. So basically, boil down a brand
new semi automatic block pistol in the mind of Gavin
Newsom and the Democrats in California, is actually a machine gun.

(01:04:46):
So we're talking about orwell and sort of rename and
relabeling the world in which we find ourselves, sort of
upending the traditional norms and understanding definitionally of what is
and what isn't a machine gun. This one just change
the definition anyway. I think we'll see that one in
court very very quickly with good reason. Ah, but they're

(01:05:12):
coming for your guns. Just always remember the reason the
founding fathers incorporated the right to keep him bare arms
into the Constitution. It wasn't for hunting. Coming up, Christopher Smith,
well you got to dive onto some of the details
of aftab Purvols. I don't know. Is it an act
of desperation, is a reflection of him worrying about where
he is relative to Cory Bowman, Does Corey Bowman have

(01:05:34):
a chance? See may don't know if there's any internal
polling out there that's been released. Also, if you have
any information on early voting. I know the Republicans were
ahead in Hamilton County and early voting. Is that still
the case. If you have that kind of information, I
love to hear from you. But you know, the idea
that aftab Purvole has launched this maga campaign, I think
maybe he is reflective of the fact that he may

(01:05:56):
be in a little bit of concern about his job.
But don't worry. Everything's fine in the city. Says they
have to have PERVALL. We don't want those evil Maga
folks upending all of this progress that's been made under
the Pervall administration. So, in addition to that other information

(01:06:16):
I'm looking for, can you come up with something that
you would hang your hat on if you are AFT
have PERVALL that demonstrates progress considering how many lane miles
were behind in terms of repaving, Considering the equipment problems
we face, lack of fire department equipment, the lack of
snow removal equipment, the fact that a lot of this
stuff is out of commission. We could go on and

(01:06:37):
on and on about the problems that you and I
have identified in downtown Cincinnati, but can you come up
with something that you would characterize as true progress. A
note in his materials asking you for money. He didn't
specifically say anything, which is kind of puzzling. Six fifty
five fifty five K sit the talk station. Be back
with that plus Smithman coming up at seven to twenty.

(01:06:58):
I hope you can stick around today's top stories seven
oh six here fifty five car see de Talks Nation,

(01:07:19):
Happy Monday, looking forward to seven twenty. This hour, as
always Monday means Christopher Smithman and the Monday Morning smith
avent gonna get money money with Brian James one hour
from now. Tariffs are way up. Interest on the debt
over a trillion dollars in Doge apparently didn't do much.
That's topic one or topics one. Update on Social Security
number two and coming to number three credit unions versus banks.

(01:07:42):
He's promised a discussion on that. We get it today.
Eric Trump returned, Oh wow. Shows up at the fifty
five Carsey Morning Show. Eight forty You've talked about his
new book under siege. Yes that Eric Trump over to
the phones, will go five on three, seven, four, nine
fifty five, eight hundred and eight two three talk. Let's
see what Rich has got this morning. Rich, happy Monday,
thanks for calling.

Speaker 4 (01:08:01):
Thank you.

Speaker 9 (01:08:01):
How are you doing this morning?

Speaker 1 (01:08:03):
For a Monday? I can say I'm pretty good shape.
I hope you can say the same.

Speaker 9 (01:08:07):
Yeah. Well, just like you say that, maybe Newsom, since
he likes to ban things that you know are illegal,
maybe he should ban all cars because they kill more
people every year than guns to and the fact that
you can also break the law with a car by
pushing your foot too hard on that gas pedal. Yes,

(01:08:30):
and then you are breaking the law. Yeah, maybe every
every car should just be equipped with it has to
keep reading those.

Speaker 5 (01:08:38):
Signs and say fifty five, twenty.

Speaker 9 (01:08:42):
Five whatever it is, and you could not push it
the pedal and go any faster.

Speaker 1 (01:08:48):
You know, trust me that technology exists.

Speaker 8 (01:08:50):
Rich.

Speaker 1 (01:08:51):
A speed limitter. We all know about those, even around forever. Yeah,
all you have is a used manufacturer car that cannot
exceed the highest posted speed limit in any given state. Yeah.
Why because people can go faster and break the law
with the car. Yes, people can buy a clock and
then break the law when you turn it into the
fully automatic firearm. Yes, you can kill somebody with a

(01:09:11):
baseball bat and a bass guitar at some point, just
swing it hard enough and hit them in the head
with it. That's a crime. We don't need to ban
guitars or baseball bats or anything else you can murder
someone with, including cutlery see England. Yeah, it's just control, control, control, control,
and dumb, dumb efforts to control. And then you can't

(01:09:32):
unring the bell. The fact that the glock handgun is
the most popular one out there. I would love to
know how many glockhandguns exist in California alone, you know,
I mean, are you gonna take them off the streets
or no? All those can be converted fully automatic, but
they're still out there. Why because you bought them when
they were legal. Yeah, that's going nowhere. Rich, it's going nowhere.

(01:09:53):
But yeah, you're right. Added to the list. Since here's
the message from as we approach christ Smithlman. I. I
was scratching my head over this, and we'll see if
we can't find reasons to degree or disagree with AFTAB
pur Ball re lucked AFTAB for mayor keep MAGA out
of Cincinnati. It's like a blaring headline in bold, dear friend,

(01:10:16):
Cincinnati stands at a crossroads. Everything we've remember. This is
Aftab pur of Ball speaking, or maybe friends of par
Ball or someone representing the interest of Aftab pur Ball.
Everything we've fought for, our progress, our unity, our safety
is under attack now as I was doing I was

(01:10:40):
stopping as I read through this and going back to
the comments at the close of the last hour. What
is he talking about? What specific progress? And don't look
to the materials to identify anything. He just states things
in broad language without any specific support for what he's
referring to. I don't know what progress he's referring to.

(01:11:03):
I certainly don't know what unity he's referring to. And
of course safety a real problem for the residents of
the city of Cincinnati. We have a safety problem. I
don't believe it's just a perception. As I read about
fatal stabbing in bond Hill yesterday and one person died
in a shooting in mount Airy yesterday, he goes on, Maga,

(01:11:26):
bullies are trying to tear apart the community we've worked
so hard to build, and I will not let that
happen all right, Well, clearly he is referring to Donald
or JD. Vance's brother because he brings that up. And
I know politicians been the truth or flat out why

(01:11:46):
but you know, ahead, listen to last week's conversation with
Corey Bowman. Where does he come across as maga. When
has he said he embraces Donald Trump's policies or when
has he gone around and actually campaign the fact that
he happens to be Corey JD Vance's half brother. He
tries to avoid that. He does not want to be
mixed up with JD. Vans or Donald Trump. He's his
own man, He's got his own vision for the city. Anyway,

(01:12:09):
back to pervol our city has always been defined by respect, inclusivity,
and fairness. I thought we live in an inherently racist,
irredeemable city nation. I thought the police were a vile,

(01:12:32):
racist force that need to be dealt with and rethought,
reimagined or defunded. He goes on, but those values are
under a threat from forces both near and far, intent
on undoing what we've achieved together. I go back to
my out loud question, what specifically is he referring to
that he's so proud that his administration has brought to

(01:12:52):
the residents of the city. He goes on my opponent, JD.
Vance's brother has already put us on the stage and
is backed by billionaires. His only goal is to reverse
our hard won victories for their own gain. Well, considering
Corey Bowman's campaign raising, I'm not quite sure that there
are multi billionaires or billionaires out there funding his campaign.
Maybe you can identify someone who has written him a check.

(01:13:17):
I think Provol's got a nice padded account himself. But
what of these hard won victories. If we let them
gain a foothold, we risk our safety there it is
again that safety word, our community and everything that makes
Cincinnati the place we love. He's leaving it to your

(01:13:40):
imagination what specifically he's talking about. The moment for action
is here. The moment is now. Let's stand together, fight
back and protect what we've built. Early voting started yesterday
and we are building a unified defense with my grassroots
supports like you can you rush a contribution now of
twenty five dollars to show that Team AFT we will

(01:14:00):
mobilize and band together and refuse to allow Magga to
destroy what we have built. We have built. There's those
words again. Actually in one paragraph he used that twice
oh paragraph following that sounds a little familiar to We
must come together as a community and refuse to let
division and fear take rout. What we have built is

(01:14:23):
valuable and worth protecting, and we will not allow it
to be sacrificed to those who thrive on chaos and control.
The pot called the kettle black a little bit who's
thriving on chaos and control. We would be antifi Black
Lives Matter groups, the defund the police folks, the iris
Rawley's getting out and interfering with police officers doing their
job and looking out for the community. That team aft

(01:14:48):
to have will mobilize and band together and refuse to
allow Maggot to destroy what we have built. Didn't realize
we were in the throes of a Maga assault. Folks
didn't quite understand that. So I'm going what I've been
saying this morning, What in the hell is he talking about?
Look out your window, how's your road doing? Do you

(01:15:10):
have gunfire in your neighborhood regularly? Is there a lack
of police presence in your neighborhood? A problem that's been
brewing for a long long time, one which Aftab Purbo
only recently came out to try to address, at least verbally,
in the aftermath of the late July brutal beatings that did,
in fact put Cincinnati in the national spotlight. Wasn't so

(01:15:31):
much jd Vance's half brother that one made headlines across
the country. The video of Holly getting punched in the
face is what brought Cincinnati to the national focus AFTAB
seven fifteen if five care City Talk station, I suspect
Christopher might have a word or two about that. We

(01:15:52):
will collectively learn what's on Christopher's mind. With the Smith
event coming up next. First, no odor exit won't get
rid of the stench of politic hegar. Not only is
it the two hundred and fiftieth anniversary of the birth
of the United States Navy. More importantly, it's Joe Strecker's birthday.
Happy birthday, Joe Strecker, and welcome back also an important
day every Monday, it's this time we hear from the

(01:16:13):
former Vice mayor of the City of Cincinnati, candidate for
SININNY City Council worth the vote, Christopher Smitheman. Welcome back,
my friend's always great having you on the show.

Speaker 4 (01:16:22):
Oh, thank you so much, Brian. I'm honored to be
here every morning or every Monday to talk to you.
And what a historic day to listen to our president,
President Trump addressing the Parliament of Israel saying we have
peace and that a peace deal has been broken in

(01:16:45):
hostages as you and I are having this conversation are
coming home. Twenty of them still alive, and the bodies
if it were my daughter or my son Christopher Malcolm Isaac,
I want their body back so that I could have
closure and put my child to rest. And that also

(01:17:08):
is happening, which is a part of his peace deal,
which is dignity, and Israel is releasing prisoners. I think
over two thousand of them back in there being reunited
with their families, and you see joy on that side.
And this is about peace. And you know, I've been
amazed at watching Brian Thomas former administrations, and I'm going

(01:17:33):
to name them who've just been unwilling to say, good
job America, good job President Trump, good job his administration.
When you're brokering peace in the world. Have we gone
so far community where we can't even say good job
to a president and his administration, no matter who they are,

(01:17:55):
an American president who is brokering a piece that has
eluded me any previous administrations. What's wrong with us? And
how far have we thought? I was disappointed when I
saw some of the statements from the different leaders. I mean,
I was glad to see, for example, Hillary Clinton, former
Secretary of State, say President Trump did a great job.

(01:18:18):
I was proud to see Condalisa Rights say good job,
this was a great scenario. I don't know what her
position is on President Trump, because Condollisa Rights has always
been very guarded and very cautious. I think she'd make
a great president, by the way, but I was disappointed
when former President Barack Obama didn't just say he had

(01:18:40):
a beautiful statement about peace. It was wonderful, but he
didn't say congratulations to this administration. I don't know what
is going on out here in the political atmosphere of
the ecosystem, but we have got to change direction and
get some civility in this country. Our neighbors are not
our enemies. Other communities on our enemies. We have to

(01:19:02):
be able to day in this moment for Israel and
for the Palestinian people, not Hamas. Hamas is different. Hamas
is a terrorist organization, and anybody who's unwilling to say
that needs to get their heads screwed on rights. We're
not talking about Hamas. We're talking about the Palestinian people
are getting peace today, and so are the Israelis, and

(01:19:25):
we should commend this administration, commend America for brokery peace
in this country.

Speaker 1 (01:19:31):
Yeah. I mean I even gave credit to Jimmy Carter
with the Camp David peace Accords. He negotiated a settlement
between Israel and Egypt which ended a lot of bloodshed
and ANDed to some land occupation by Israel. Widely supported
except for the terrorists who are upset about the peace agreement.
Then they blew up uh when it was at Monock
and bag and they blew up anwar sadad if I

(01:19:52):
recall correctly, but any of it, I mean there you
give credit where credits due. Do I like Jimmy Carter? No,
But he didn't negotiate a framework for peace there, you know,
I mean you got to give credit where credits due.
Does Donald Trump deserve all this credit? Well, he wasn't
sitting there at the table. He had his appointees to it,
but it's within the realm of the Trump administration, so
his people were able to go over there and do it,

(01:20:13):
and the world leaders are all giving him damn credit
for it. So yeah, the silence from some folks, and
I guess the ongoing criticism from some is never going
to go away. Christopher. You know they all have TDS
Trump arrangement syndrome.

Speaker 4 (01:20:26):
But here's what I'm saying to you, Brian Thomas. What
leaders do is they a point people around them that
are smarter than them.

Speaker 1 (01:20:34):
Yeah.

Speaker 4 (01:20:34):
Good leaders are like, hey man, I've got to put
the right people in place in order to make the
things happen for this country a world. That's what good
leaders do. And that's why I give and I said,
the Trump administration and the President get credit for this
historic peace deal. They've been at war for two years, man,

(01:20:55):
Kyla Sini and kids are getting killed every single day.
Let's stop the bloodshet it. And people elected him. There
are a lot of people that have said to me
they elected him because they wanted the wars to stop.
They wanted peace. These are Americans who were saying they
didn't want this more get deeper into wars and be
this global police. He saying, this president is saying I

(01:21:16):
want peace. I don't want more war. All I'm saying
to you is that to the public, if you're a
person that is waking up and you just can't say,
I give this administration and this president credit for this
historic moment, there's something wrong with your politics. I'm trying
to love on you right now and say, please, please,

(01:21:37):
when you go out on social media, be willing to
just say, this is a great day for our country.
We showed leadership in the world. This was a great
peace deal. It's a first step. We don't know whether
there's going to be other steps here, you know, I
mean something that break out and things go awrived. Oh,
but at least give them credit in this moment. That's
all I'm saying, Brian Thomas, and I don't see why

(01:21:59):
that is difficult.

Speaker 1 (01:22:00):
Bullets are not flying, people are being reunited with their families.
The border with Egypt is open to allow humanitarian relief
and aid and also for Palestinians to either re enter
Gaza or exit Gaza, as the case may be. They
got the devil in the details to work on. How
much land is going to is Israel going to vacate
from who's going to be the arbiters of peace as

(01:22:20):
we move forward with the rebuilding effort, A lot of
details and will Hamas disarm. As of right now, bullets
are not flying, people are not losing lives, and people
have been reunited on both sides of the war. I
think we can all and I want to.

Speaker 4 (01:22:36):
Embrace that we can't Brian, And let me say this,
this move right here for anybody and everybody that's listening,
please listen to me what I'm saying. This piece, this
is a great step for also Russia and Ukraine. Meaning
when Russia and Ukraine they're watching this peace right here,
don't you want a little of this piece? I see
a lot of Ukrainian flags as I go door to

(01:22:58):
door and talk to shit. There's lots of Americans that
are very concerned about that war. I'm saying. They might
not understand, or they do understand and appreciate this is
momentum also for peace in other parts of our of
our world, starting with Russia and starting with Ukraine. This
might be their step two to say, you know what,

(01:23:19):
we want a little piece of that love. We want
a little piece, We want a little a piece of
peace for our communities, and maybe Brian Thomas they take
the step. I'm just saying, let's get to the point
in our country where we can say vote yes for America,
Yes for momentum in our country. No matter who is
the President of the United States, no matter who the

(01:23:40):
administration is, I'm rooting for this country. I'm rooting for
our progress. And if you don't like that, you got
to kind of re examine your own head because this
is a this is this is historic and it's going
to go down historic in the history books, whether someone
gives him the Nobel Peace Prize or not. I'm sharing
with our community this moment in this day is historic.

Speaker 1 (01:24:05):
More with Christopher Smithment. It's seven twenty eight right now
fifty five ker City Talk Station give Colin Electric Family
owner operated Cullen elect seven thirty one on a Monday
talking to H. Smith Event here with Christopher Smithman, former
vice mayor candidate for Cincinnai's City Council. Open voting right now,
Get in there and vote. How Man County Board of
Elections hours do change from time to time. To make

(01:24:25):
sure you check out the hours of operation, then get
in and cast your vote. You don't have to wait
till election day, Christopher Smithman, and you have the floor,
my friend.

Speaker 4 (01:24:34):
Look, brother, I watched the debate this past week for
mayor and probably one of the most important elections because
our city is on the wrong track and no matter
what door I knock on, whether it's in Mount Lookout
or High Park, or whether it's in bond Hill or
Rosebonn or Evingston, there's a consensus out there that the city,

(01:24:57):
the City Council and the Mayor's office are on the
wrong track. This is really important because the mayor most
likely is out there doing polls and he's finding out
people do not like the direction of the city. The
tabs are showing there's concern. So what you see this
mayor doing is going into the culture war. This is

(01:25:20):
really important community, meaning he can't run on the substance
of potholes not being fixed, or your snow of failure
of its removal this last winter where you couldn't get
your kids to school. Our garbage pickup are the number
one issue crime, whether somebody's getting carjacked, are the possibility

(01:25:41):
of being carjacked in Hyde Park? Are the murders every
other day in our community? Of black men shooting each other,
whether it's in downtown, whether it's in Price Hill, whether
it's in Bond Hill or Roseline, whatever neighborhood, Avondale. We've
got a murder rate and a murder problem, and the
ages are ropping, thirteen and fourteen year olds walking around

(01:26:02):
with guns. A mayor with no plan at the beginning
of the summer to abate the crime that we know
is going to happen in our summer months in our cores.
We've got shootings down on Fountain Square. None of these
things are lies. Brawls downtown where a woman almost lost
her life by the name of Holly punched it in
the faith. You know. We've got a woman whose daughter,

(01:26:24):
this is Cassandra, when we haven't even caught the guy
who shot her daughter in the back, just walking at
nine o'clock at night. Five children left for Grandma Ronda
Win to raise on her own. My point view is
I could go list a Sarah Henry Jerk and her
beautiful husband Patrick who was murdered in otr fitting in

(01:26:44):
their home, laying in their home sleep. Guy comes in
kills her husband. He's done two tours, he's a military vet,
Patrick did two tours Brian Thomas and lost his life.
We had a mayor in a debate that wanted to
boil it all the way down to MAGA. He started
talking about MAGA and Trump and all of this divisive language.

(01:27:10):
If we take the bait community, that tells you just
how scared he is. He doesn't have a record to
run on. So now what he's doing is he's trying
to tie the federal national politics to our local politics.
That is a very dangerous thing community. And it turned
me off so much, Brian Thomas, because it was an

(01:27:32):
opportunity for this mayor to stand before us and say,
at best, here's what I'm going to do different, here's
my plan for this, here's the direction I want to
take the city of Cincinnati. Here's my hopeful message. It
wasn't that at all. It was let's divide us culturally.
Let's make our neighbors even more suspicious of each other,
don't like each other because of where your political persuasion is.

(01:27:55):
It was insane to me, and I was so disappointed
in him, his team and anybody that had him go
out there and do that to us. Brian Thomas, we
don't need more division in our city. We need somebody
who's wanting to bring us together and make things good
and then solve the big problems that we have in
our city. To compromise hard work, thoughtfulness, kindness, that kind

(01:28:19):
of stuff. That's my observation, and I think that the
inquirer here got it wrong. I think they opened up
with it's our perception that crime is bad. It's our perception.
The numbers are down. What are they talking about? Man,
If you talk to anybody in our fifty two neighborhoods,
no one believes what is happening is a perception. This

(01:28:40):
is our reality, Brian Thomas. The crime is out of control.
It is spreading like cancer out of our core and
pouring into the other fifty two neighborhoods. And anybody that
is watching this knows it. I'm telling you, if you're
on the sidelines and you're a registered voter and you're
listening to this conversation and you don't get up off
your couch, go in and vote for somebody, make a choice,

(01:29:03):
make a decision. You are part of the problem. Elections
have consequences, and it takes people who do things, take actions.
They're not just on the radio talking about this and
talking about that we have an election, Brian Thomas, it's
time now for the jury box. Those are the citizens
of Cincinnati, to say, what's the record of this current administration,

(01:29:24):
what is the record of this current council, and let's
make a decision to take a different direction in our
city that's better for all of us. I don't care
about what the national politics are when it comes to potholes.
I don't care what the national politics are when it
comes to making sure that our police officers have what
they need and the support that they need to get.

(01:29:45):
I don't want four more years of defunding the police,
reimagining the police, sending counselors out on nine to one
one calls, making sure that our fire department their support.
I don't want an FP that has to take a
vote saying we don't trust the mess, meaning they have
taken a no confidence vote in our current mayor. If
you were listening to that debate, you would think that

(01:30:07):
this mayor was cozy with President Kober. You would think
that he was lined up with our Cincinnati Police department.
He's not. The Cincinnati Police Department has said we have
no confidence in this mayor and no confidence in this administration.
If you're a voter out there and you're hearing that,
and crime is your number one issue, why wouldn't you

(01:30:28):
say I want to do something different.

Speaker 1 (01:30:30):
Brian Thomas A great question. Will pause, bring Christopher back
for a few more words. Let's give me an opportunity
to mention Zimmer heating and cooling for more than I'm
a box station right at seven point two here fifty
five care City Talks station, enjoying my conversation with Christopher Smithman.

(01:30:50):
Always do at Christopher. I'm sure I had commented on
this keep Maga out of Cincinnati campaign. I have to
have purvols out there with a need to send him
twenty five dollars to support his campaign. He keeps referring
to that our safety is under attack. We all this
progress that we've we've reached so far, we've achieved it,

(01:31:13):
and he's gonna and jd Vance's brother is gonna do
undo it. He's going to reverse our hard won victories.
He's gonna risk our safety. I mean, I'm just pulling
out his words. We need to protect what we've built,
and he mentions what we have built multiple times, lacking
in this this campaign solicitation, Christopher is anything of substance.
What the hell is he talking about? He doesn't incite,

(01:31:36):
he's I mean, Brian, this.

Speaker 4 (01:31:39):
Is what I'm saying. They're sending this literature all across
the all across our city, meaning like there's an ultra
reality meaning the mayor can't run on his record, so
now he's running on cultural divisive or divisive seems it's
a bad sign if you're a voter out there, Brian,
You've got to be going, oh my god, I'm dodging

(01:32:00):
potholes so bad in our city that I look like
I have a duy. You're just running around trying to
miss a pothole around our city. There's just a tremendous failure.
And that is after the cell of the railroad, which
was a terrible decision that the mayor got behind. All
I'm saying public all the things that Brian Thomas just
read is showing you that at the beginning of my

(01:32:22):
screen that I wasn't lying, I wasn't exaggerating, right, am
I lying? Brian Thomas? This is where this guy is
taking the election because he has nothing to run on,
and we all have to be concerned about it. That's
why I'm so fired up this morning. And I tell
you we have a nine X system. That's what it's called.
I've been preaching, I've been begging. Look, we can do,

(01:32:43):
we can change council. Here under vote, don't vote for
nine people, vote for four or five people and stop
whoever your four or five people are right. But if
you want to see a difference in city council, you
can't go in there voting for nine people. There aren't
nine people out of the twenty something people that are
running to vote for. Just vote for four or five

(01:33:05):
and watch what happens if High Park comes out. For example,
most turnouts right now in the city, Brian Thomas is
twenty percent right. That means eight out of ten voters
are staying home. No, this is about voter turnout. You
and I talk about this. We have one hundred million
dollars bond issues that are being determined by thirteen percent

(01:33:26):
of the voters who are showing up and participating. This
is an issue of participation. So it doesn't matter whether
you're in Westwood or High Park, or Clifton or Price Hill,
our camp. It doesn't matter what part of the city
you're in North Side. We have an issue with voters
who are unwilling to show up. They're registered, they're focused
on the national They show up for the national elections,

(01:33:48):
but they don't show up for the local elections. And
then wonder why crime is spiking potholes, your snow isn't
being removed, garbage issues. We have a very dirty city.
In my opinion, I travel, I admire cities when I
go around. I'm not exaggerating here. You go under our
underpasses and it looks crazy. The city of Cincinnati is

(01:34:09):
so dirty. My point to you is that I want
to change the direction of this city. We have to
vote smart. They're good people that are running. Their hearts
are in the right direction. They're passionate about local politics.
They just want to serve you public. But you have
to do a better job of not trying this maga
craziness that the mayor is pushing to divide us from

(01:34:30):
our neighbors. Brian Thomas, it has nothing to do with
this local election. It is such a disappointment to me
that that's where he took this debate. It made my
stomach sick.

Speaker 1 (01:34:40):
Well, I can only hope that a lot of people
watched that debate or went back and watched it, you know,
after the debate and saw it online, and you know,
by all accounts, Corey Bowman did a really great job
and he's got great character. In this whole push to
label him MAGA and JD Vens's half brother, it's just
so obst heard. If you've got a record, run on it.

(01:35:02):
If you want to talk about your accomplishments, state them,
articulate them. If it wasn't for me Mayor have to
have provo, then you wouldn't have fill in the blank.
I don't think there's anything that you could use. And
to fill that sentence, Christopher, what is he going to
say that he accomplished in this past four years? And
I'm not trying to be a complete jerk. I know
I'm on the opposite side of the political spectrum, but

(01:35:23):
I'm hard pressed to come up with something.

Speaker 4 (01:35:25):
I mean, he's how many interviews did this Mayor give
you over the last four years?

Speaker 1 (01:35:30):
Yeah? Zero? How many times are you trying to take
credit for the Brents Ben's Bridge project? I mean, how
Barack Obama campaign in front of that? People have been
in elected officials and people behind the scenes have been
working to get the funding for that now for literally decades.
He shows up and just happens to be mayor when
they finally put the final you know, puzzle pieces together
on it move forward with it. He can't take credit

(01:35:52):
for that.

Speaker 4 (01:35:53):
He took credit for the for the fire training center, which,
by the way, John Cranley and I negotiated works with
Local forty eight, very hard on them to get the
first ten million dollars of capital money. Anybody from Local
forty eight who's listening to this, they know that what
I'm saying is true. He cut the rimon acts like
it was his project and it was really John Crawley.

(01:36:16):
And the reality for me, what made me so frustrated
is he blamed the previous administration. He was blaming the
city manager, Paula Balks Music in the last debate, and
the previous administration, who he said handed him a very
bad situation. What is he talking about. We left him
flush with money, We left a balanced budget. We left
him sixteen point twenty five contributions to the Cincinnati retirement system.

(01:36:38):
We were on a pathway of recruitment. Morale was up
within the police department. He inherited a great situation for
four years because he's a show horse and not a workhorse.
He has just been sitting back watching our city perish.
That's the problem with this guy. It's incredibly dangerous stuff.
In my opinion, We've got to get out and vote

(01:36:58):
and be serious. Look whether whoever you're voting for mayor
right in your mind, you better think about a checking
balance at city Hall with a council. So we could
elect five members of council that will check him like
a good'n or a Linda Matthews are a Keeping, a
Lakita Cole, a Dreehouse, a Smitherman. There are lots of

(01:37:20):
good people that are running that are not on this
current council. Matter of fact, I would say there's an
argument not to vote for any of them. Look for
somebody doing something different. I mean, what do you have
to lose, Brian Thomains. My point is we can do better.
The election is here. The polls are not open today
because of this holiday, but they will be open again tomorrow.

(01:37:40):
Brian Thomas, and I'm just suggesting with people are walking
in there to vote, that give us the thumbs up.
Us show the people that are out there standing that
you've got a thumbs up there that you're willing to
take a chance and do something. Please different, Brian Thomas.

Speaker 1 (01:37:56):
I love you.

Speaker 4 (01:37:56):
I know that I am way beyond my time, and
I appreciate you. I'll be watching the debate this Wednesday.
It's on Channel twelve, It's going to be on TV.
This is going to be another mayorial debate. I suggest
everybody sit back and listen to the mayor's language. Is
he going to give us solutions or is he going
to use divisive language just to divide us. I don't

(01:38:19):
need any more division. I don't want a division in
my home. I don't want it in my neighborhood where
I live, and I certainly don't want it in my politics.
I want somebody who has solutions, who's willing to work,
not a show horse. I don't want to see more
moose in his hair. I don't want to see a suit.
I don't want to see a tie. I don't want
to see a guy that wants to go to Washington,
DC and not really be the mayor of the city.
I want somebody like a John Cranley who wants to

(01:38:42):
roll up his sleeves make hard decisions. Listen to our
fifty two neighborhoods and get us on the right direction.
That's what I'm looking for. And I don't care where,
what corner of the earth I get that on. I
love Cincinnati. I've been raised. Here is where I grew up.
I love the city and I want to see us
on a better path.

Speaker 1 (01:38:58):
Love you, Brian, Thank you, Love you too. Five KRCD
talk station. Uh get.

Speaker 5 (01:39:05):
I want to know what's happening. I know what's going
on around town, around the country.

Speaker 4 (01:39:09):
I need to know the weather in traffic.

Speaker 1 (01:39:11):
Listen and you'll know. On fifty five KRC the talk
station Shabato sit here at Pig five kr CD talk station.
It's Monday. It's that time all our financials. Brian James
giving us another edition of Money Monday, and of course
it's appointment listening for that secret group of women out

(01:39:32):
there that Brian and I learned about. You tune in
regularly just to cling to Brian James words on investment
strategies and today about tariffs being up, the interest on
our national death Doge apparently didn't accomplish much, Social Security
and the topic we've been waiting for credit unions versus
Banks a lot to pile in for a few segments,
Brian James, Welcome back and Happy Monday in spite of

(01:39:53):
the Bengals loss.

Speaker 10 (01:39:54):
Happy Monday, and go Mariners, including all the former Reds
who are still playing.

Speaker 3 (01:39:59):
That's all we have to at this point.

Speaker 1 (01:40:01):
Hey, you got something there, Brian, go, Luis.

Speaker 10 (01:40:03):
Castillo and Auhanio Suarez and a handful of other ones.

Speaker 3 (01:40:07):
Right, it's something that's better than nothing. Will hang on
to that.

Speaker 1 (01:40:10):
It is something, and something that is tariffs. I know
so far, you know, I mean draw your conclusions whether
we have been collectively scathed in our economy. But apparently
at some point they say they were going to catch
up to us, and it looks like they may be
catching up. And I know China has just put some huge,
huge prohibitions on the trading of the rare earth minerals

(01:40:31):
that we rely on them almost exclusively for. So what's
going on with the tariff Brian?

Speaker 10 (01:40:36):
Well, the tariffs have had their impact. So interestingly, our
deficit is basically flat at one point eight trillion. Now
that would be a fantastic headline in any other environment. However,
what's happening is it's just the surge from the tariffs.
So the cash that's coming in from that, that's keeping
the deficit from running up. So on one hand, anytime

(01:40:57):
the deficit doesn't increase, that would be I can't remember
the last time that was a headline. But all it
is is the cash that's coming from these tariffs, which
is probably somewhat temporary as the market continues to settle
itself out as countries decide whether they're willing to continue
or if they fight back, or if they find different
markets entirely to sell to. So customs duties hit almost

(01:41:17):
two hundred billion dollars, that's more than double last year,
and it's still only three point seven percent of federal revenue.
So Trump had the President Trump had this big goal
of we're going to reduce income taxes, reliance on income taxes,
and increase reliance on external taxes, meaning these tariffs. That's
how we're going to run the country. So these tariffs,

(01:41:37):
even now at two hundred billion from these duties, is
still only three point seven percent of federal revenue. Individual
income taxes still make up fifty one percent of it.
So we got a long way to go if these
tariffs are going to truly remove our income taxes.

Speaker 1 (01:41:50):
Which I have bad news. They are not fair enough
on that. I guess tariffs, by all arguments, can raise
the price of it's here in the United States. So
one could argue if your income tax does stay down,
the money still has to be collected some way. This way,
at least, anybody who buys something is kind of sharing
in the responsibility. It's kind of like a increase in

(01:42:13):
sales tax that deal with fewer tax dollars coming in
by way of income tax.

Speaker 3 (01:42:16):
It's quite literally that.

Speaker 10 (01:42:17):
I mean, it's no there's nothing that says that any
company or country that is selling into the United States
has to eat these tariffs. There are no rules that
say that they must keep their prices the same and
just eat the tariffs. There's really no way to put
that in place. They can simply decide to walk away
from the market, or they can raise their prices. It's
really no different than you know, if you're renting an

(01:42:38):
apartment and you feel like the landlord is going to
bear the brunts of the property tax increases, that is
not the case. They're simply going to raise the rent.
The renter is the one who ultimately pays everything. That's
why they call us consumers. We're at the bottom of
the at the bottom of the chain, and we are
the ones who consume all the goods and services that
are out there, and that means we have to eat

(01:42:59):
whatever is. The only way you can avoid these price
increases is to truly change your lifestyle and not need
these things anymore. And that's simply not an option for
most of the stuff we have to deal with now.

Speaker 1 (01:43:08):
For most of the stuff, there are a lot of
things on I think our collective budget margins that if
we really gave a long, hard thought, we know we
could do without them. So that's up to an individual
families choices, and people are going to be forced to
make those kind of choices. Interest revealing that the interest
rate on our debt is now over one trillion dollars,
meaning that is I guess more than even defense spending

(01:43:29):
usually coming into like number one. But that's because we
have a spending problem in government. I know Donald Trump's
done some took some steps with the OMB on Friday
to start firing people. But when they fire people that
whether it impacts you and me in our day to
day lives, it's certainly not going to be a sizable
enough chunk of government cuts to actually accomplish something. So
let's talk about that. But also, we had huge hopes

(01:43:52):
for the Doge Department, and that apparently is kind of
fizzled out. So where are we with this debt? And
of course the DOGE cuts.

Speaker 10 (01:44:00):
So yeah, the big concern there with the size of debt.
So debt is it's just like anything else. You have
a mortgage out there, you have a bunch of credit
card debts, then you are impacted directly by interest rates.
And now that we're literally writing checks for a trillion
dollars as a country, that's just for the interest. Remember
some if we're writing a check for a trillion dollars,
somebody might go, oh, great, we're paying down a principle.

Speaker 3 (01:44:22):
No we're not.

Speaker 10 (01:44:23):
We're simply maintaining what we already have. We are treading water.
So that net interest of a trillion dollars is now
bigger than medicare or defense. Based on some calculations, roughly
about a dollar of every five dollars in revenue. And
again remember half of that comes from our own income taxes.
A dollar out of every five dollars goes to these
interest payments. This is coming from the higher rates and

(01:44:44):
the fact that we have just more debt than we've
ever had before. Of course, so the issue here, the
concern is that we were likely going to head into
a higher for longer type of a situation with regard
to interest rates staying where they are. Remember, we're not
always only talking about the Federal and what it wants
to do with interest rates. We're often talking about what
the market. The market has an impact on rates too,

(01:45:06):
whatever it's sensitive to, whatever the market thinks of the
credit quality of the United States, can it continue to
pay its debts and so forth, that will also have
an impact on interest rates. That means Washington is going
to be super sensitive to interest rate moves. Even if
the Fed makes gradual cuts, Brian, the rolling over debt
that's still out there is going to keep these average

(01:45:26):
interest costs elevated. And that means we need to make
some cautious mortgage and refi assumptions, and we need to
be stress testing our budgets for these higher rates. For
those of you what that means out there, For those
of you perhaps on an adjustable rate mortgage, you need
to take a look at what that might be if
you did it five years ago at a really low rate. Well,
that's going to be sneaking up on you very soon.
You need to make sure you can handle whatever the

(01:45:48):
increased payment is going to be when that adjustable rate
mortgage adjusts.

Speaker 1 (01:45:51):
Well, doesn't the interest rate that repair, I mean, doesn't
the debt interest which we have to pay more than
a trillion year and that keeps growing. Doesn't that necessarily
have a restrictive force on the growth of government. I mean,
if they're not bringing in any additional tax dollars, you
run the risk of digging us further into a deficit
hole which increases that trillion dollars to something north of it.
Or you have to say, listen, we got all this

(01:46:13):
debt service we've got to pay. We no longer can
afford to fill in the blank. Maybe we need to
reduce the size of that department. Maybe we just say
no to something new by way of you know, oh,
I don't know, expanding health care for illegal immigrants or something.
But something's got to give. Brian.

Speaker 10 (01:46:27):
Yeah, that's true for any household as well as it's
true for the for our country as a whole. And
that's that's what Doge was intended to do. Yeah, that
didn't really quite you know, a little segue into that
topic since you mentioned it. When DOZE was originally set up,
remember this is the Department of Governmental Efficiency run by
Elon Musk briefly that was going to come in and
just clean house and figure out exactly where all the

(01:46:49):
waste is and get rid of it all. And they
were going to achieve two trillion dollars in savings. That
was the brochure that we all read. But so far
that hasn't been the case. Not to mention, Elon Musk
stepped down a few months ago and we really haven't
heard much ever since. So total spending excluding interest rose
about two hundred and twenty billion dollars or four percent
for that entire year. That would have been bigger except

(01:47:10):
for in September twenty five when the Trump administration put
in a non cash spending reduction based on modifications to
student loans.

Speaker 3 (01:47:18):
That knocked it down a little bit.

Speaker 10 (01:47:19):
But other than student loans, the only the only major
categories where the Congressional Budget Office said spending actually declined
was the FDIC, which, if you think about this, all
that means is we didn't have scary headlines about banks failure,
which is that's a good thing. But we can't count
it as a victory small Business Administration because we had
a similar situation where we didn't have to lay out
the kind of money that we normally do for disaster

(01:47:41):
related loans that do come out of the Small Business Administration.
So so far, we can't really say that DOJ has
had all that much of an impact despite the blusters
coming out of that department.

Speaker 1 (01:47:51):
Yeah, I really had some hope for that department up right.

Speaker 3 (01:47:54):
It made sense, right, didn't it. It sounds like something
responsible countries do. It still does.

Speaker 1 (01:47:59):
I guess the question is why isn't it accomplishing what
we had expected? It just seems so strange.

Speaker 3 (01:48:05):
But I'll give you my opinion.

Speaker 10 (01:48:06):
I think my opinion is because anything that's truly going
to fix anything involves necessarily someone telling us as a
society that we must sacrifice. I don't think that our
current political leadership believes that we have that in us,
And I definitely don't believe that anybody who is in
that position to make those types of changes thinks that
they can win a reelection the next time around.

Speaker 1 (01:48:27):
Social Security, Medicare, Medicaid, the third rails of politics will
continue with Brian James. While worth financial we'll talk about
an update on socis is security, speaking of which as
well as credit unions versus bank topic by demand more
with Brian James. After I mentioned Cullen Electric family in
an operated Colin Electric Andrew Cullen is outstanding team of electricians.
So do great work for you. They have for me

(01:48:49):
over the years, many many, many projects, and of course
I got a tenure wiring warranty for what they did
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to be superior and the price is always right. So
big projects, small project, anything in between. If it comes
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(01:49:10):
or online go to Cullen c U l E and
Cullenelectriccincinnati dot Com. Fifty five krc It's AD eighteen here
fifty five KRCD talk station doing that money Monday fame
with all of financials. Brian James. All Right, I mentioned
one of the third rails of politics, something that could
probably stand to use some reform in the name of

(01:49:32):
saving our financial future. Here in the United States of America,
the third rail social Security, and people always argue, I
paid into what I paid in when I'm entitled, I'm entitled.
But the structure of social Security doesn't really work out
in the taxpayer's favor because people now live a hell
a lot longer than they used to. You retire at
say sixty two or sixty five, you're around until like

(01:49:52):
eighty five. Now, when its Social Security started, most people
didn't live past like late sixties, so you were only
on it for a few years. They're also fifteen I
think workers to every one person receiving it. That number
has dropped precipitously, So the money that's going into the
program is a lot less than it used to. It
sounds like it needs some sort of reform. Brian James.
Where are we on social security?

Speaker 3 (01:50:14):
So where we are on social Security? There is a
hole in the bucket. Brian Thomas.

Speaker 10 (01:50:18):
The math doesn't quite math very well. And this has
everything to do with what you had mentioned, of course,
with people living longer and so forth. It used to
be you'd live maybe three five years and get soci
security payments. Now there's thirty years worth of that. Along
the way, we have added enhanced benefits for spouses, which
I don't think is a bad thing, because you can't
ice your spouse out or your ex spouse or whatever.

(01:50:41):
We have to have some kind of safety net for
those folks who maybe didn't have their own earnings record
because they were home raising kids and then a divorce happened,
all that kind of stuff. Those kinds of things, as
well as the eight percent increase in delayed retirement credits,
which simply means if you don't file for it, you
get an eight percent increase. Before nineteen seventy seven, and
that was one percent per year, and then in nineteen

(01:51:04):
seventy seven through nineteen eighty three they basically locked in
an eight percent increase for anyone who was born in
nineteen forty three or later, which is essentially everybody who's
thinking about this right now. So basically, by two thousand
and eight, everybody reaching seventy aged seventy had access to
that full eight percent annual delayed retirement increase. Remember this
is if I'm sixty two and I choose not to
file for it, my payment's going to go up by

(01:51:26):
a full eight percent. That has nothing to do with inflation,
nothing to do with interest rates. It's just a codified,
concrete eight percent mathematical increase. So those are the reasons
that the math don't math. But let's talk about where
we are right now. So we've had a we get
every so often we get a new Trustees report, and
earlier this year, the twenty twenty five report showed that

(01:51:46):
the full benefits are projected to be payable only for
about nine more years without adjustments, trust funds expected to
be depleted by twenty thirty four. Now I want to
unpack that because somebody just heard me say that Social
Security is going away in twenty thirty four.

Speaker 1 (01:52:00):
Is not No, they didn't hear that. They weren't listening
to the words you use, Brian James exactly.

Speaker 10 (01:52:04):
Words are important, aren't they, Brian Thomas. So what this means, though,
is the trust fund reserves. What that means is that
we're simply bringing in more than more than we're paying
out currently, and that situation is going to last for
nine more years. I will be sitting in this chair
in twenty thirty four, and my paycheck at that time
will have a FIKA entry on it which is how
taxes are extracted from my paycheck and sent directly to beneficiaries.

(01:52:27):
The point of all that is that FICA taxes right
now are more than what is actually being paid out
to beneficiaries. But that amount that surplus goes down every year.
It's got nine years left, so is it going to zero?

Speaker 5 (01:52:38):
No?

Speaker 10 (01:52:39):
But if they change nothing, then the current estimate is
that Social Security is incoming revenue from those FICA taxes
or otherwise known as payroll taxes, that's going to cover
only about eighty one percent of scheduled benefits. Meaning if
you go to SSA dot gov and set up your
my Social Security profile, then you should knock off, say
twenty percent of whatever that report tells you if you

(01:53:00):
want to adjust your plan.

Speaker 3 (01:53:01):
I would do it both ways.

Speaker 10 (01:53:02):
Run your plan with the original numbers and then run
it again with a twenty percent reduction in your Social
Security just so you can see what the impact might be.

Speaker 1 (01:53:09):
Well, and a financial planner will do those number crunches
for you, right. I mean, you can put any scenario
into your like thousand point you know what the future
might look like program correct?

Speaker 5 (01:53:18):
Oh?

Speaker 10 (01:53:18):
Absolutely, this is just one topic. You know, we might
even rephrase this and just say, hey, look, look what
if you spend twenty percent more than you think you're spending.

Speaker 3 (01:53:25):
This is just the math part.

Speaker 10 (01:53:27):
The things that the little stories and anecdotes that trigger
the math is what gets our attention. But the math
is still just math.

Speaker 1 (01:53:33):
Well, and we've all been warned about this. That sheet
you get annually from Social Security telling you what your
expected payment will be given when you retire, whether it's
sixty two, sixty five, or you hold off till later.
It always it says right there on the front, this
is not a guarantee you're going to get the money.
I mean, you know, hey, here's a flag you might

(01:53:53):
not want to count on this because our elected officials
don't do anything to try to salvage the program.

Speaker 3 (01:53:58):
That's right, So let's talk about that a little bit.
So it's it's not that we don't try to fix it.

Speaker 10 (01:54:03):
It's that it's that we just are not in a
political mood and I don't see it coming anytime soon
where we are willing to make the sacrifices that are necessary.
So there were we did this a study of just
a few weeks ago, and there have been one hundred
and forty three different attempts to that have hit the
floor of Congress to hopefully fix this problem. But every
last one of them is some flavor of either reducing

(01:54:25):
benefits on current retirees or increasing taxes on workers. There's
a million ways you can do that, but that's all
we're all we're doing here. You have to trust adjust
the inflows or the outflows period, end of story. We
are not at a place where we're willing to allow
either side to win. It's very easy to shoot this
stuff out of the sky. Democrats come with, let's raise
taxes on workers. Republicans say, you can't do that. These

(01:54:46):
people work too hard. Republicans come with, let's lower the benefits,
and Democrats say, you can't do that. These people work
for these dollars, and it gets shot down instantaneously. That's
the cycle that we're in, and I'm going to predict
we're going to be in it for most of the
next decade until our backs are again the wall. Brian,
and we have no choice except to elect somebody who
will actually speak to us like adults.

Speaker 3 (01:55:05):
We're not ready to do that.

Speaker 1 (01:55:06):
We're not ready to do that. Eight twenty four. Right, Now,
take a minute early break because we're going to get
two credit unions versus bank by request. Topic will continue
with Brian James after these brief words. Fifty five krc
the simply.

Speaker 4 (01:55:18):
My five KRCD talk station.

Speaker 1 (01:55:23):
Eight twenty eight to fifty five KRCD talk station buy
request topics you can do those and a lot of
folks wanted to know what the difference is between a
credit union and a bank, and Brian James from all
Worth Financial is gonna dive on into the details on that.
I've always enjoyed banking with Emery now share facts over
the years, Brian, most notably the wonderful experience of being
able to refinance my house by just signing a single

(01:55:45):
sheet of paper, not going through the whole process of refinancing,
not having to pay a dime. The rates dropped. They
had a paper that said, okay, you went from what
four down to three? My signature, boom, my rate was
down to three. They keep the paper in house at
least at in share facts and I like that. That's
one thing that I know from personal experience.

Speaker 10 (01:56:04):
Yeah, simplified processes, those kinds of things, there's pros and
cons to each one of them. Of course, but I
do want to shout out a quick thanks to our
our mysterious listener group of females who are interested in
financial topics and apparently have been listening to us for
a long time. And good lady Pacific question, thank you
again for listening, and let's dive into this. So, okay,

(01:56:25):
banks versus credit unions. At the end of the day,
if you need loans, checking accounts, savings depository, you're not
going to notice much difference. Functionally, they are pretty much
the same. So the difference is between them. So a
bank is a for profit entity. They're owned by the shareholders,
and the goal, like any other business, as a generator
return for those owners. Having spent two fifteen years in
the banking industry, I can assure you that the customers

(01:56:47):
come third, shareholders first, regulator second, and then we'll get
around to worrying for the customers. This isn't I'm not
painting the banks and a bad bed light. It's just reality.
If you've got shareholders out there, they come first. Because
we are the United States of profit. Profit margin credit unions,
on the other hand, are nonprofit financial cooperatives. They are
owned by their members. The members do want their profits,

(01:57:08):
but they come in the form of the dividends. That's
why if you if for those of you who have
a credit union account and a bank account, the way
that they label those interest payments is a little bit different. Yeah,
the banks will call it a you know, an interest payment.
Credit unions will call it like a share or something
like that. Exact are the owner of it as an
account holder. So that's why the difference. Now, if any

(01:57:28):
one of them was mathematically, you know, identifiably calculably more
beneficial than the other in terms of really low interest
rates and really high depository rates, then the other would
not exist. It doesn't work that way, So don't look
for massive opportunities one direction or the other.

Speaker 3 (01:57:43):
So, but let's talk about what is the difference here.

Speaker 10 (01:57:46):
So first and foremost, safety first, if you've got a
pile of money somewhere, you want to know it's going
to be there. If you're holding money in a bank,
that's of course ensured by the fdi C. But at
a credit union there is a similar organization that most
people aren't familiar with. It's called the ENDS, the National
Credit Union Association, and it pretty much serves the same purpose.

Speaker 3 (01:58:05):
As the FDI.

Speaker 10 (01:58:06):
See, even those coverage limits are pretty much the same.
It's two hundred and fifty thousand dollars per institution, per
account category. Right, there's lots of games you can play
with that. On both sides. You can have an individual account,
you can have a joint account with your spouse, you
can have accounts that are have your kids listened as beneficiaries.
Each of those has its own two hundred and fifty
thousand dollars coverage. But the point is your money is

(01:58:27):
largely no more safe in one versus the other. It's
just different organizations that are backing that up.

Speaker 1 (01:58:34):
Well. And I know the credit union, you're considered an owner,
a shareholder. Going back to your point about shares, that
that that's your slice of the part. That's how like,
for example, in my refinancing situation, yes, the credit union
collective is making less money and interest payment on the loan,
but everybody benefits from the lower interest rate, which is

(01:58:55):
why you're making less of a profit. So you're getting
three percent when you used to get four or five.
The mortgage would have required you to continue to pay
that higher interest rate, which of course in yours to
the bank's benefit, which is why. I guess they charge
you to go through the refinancing process. But it's just
a nice little perk being a quote unquote shareholder or owner.

Speaker 3 (01:59:14):
Yeah.

Speaker 10 (01:59:14):
Absolutely, And if if you're truly about the if you
want to know where the money's flowing, you got me,
Mike died there. Y, Yes, you said flowing.

Speaker 1 (01:59:24):
I got all that. Where the money is flowing, go ahead.

Speaker 3 (01:59:26):
Where the money's going.

Speaker 10 (01:59:27):
And you can literally participate if you if you want,
you can run to be a trustee of the of
the credit union and you could really get into the
into the dirt of how this stuff works.

Speaker 3 (01:59:35):
You can't really do that with with your big publicly
traded banks.

Speaker 1 (01:59:38):
Unless you buy shares.

Speaker 10 (01:59:39):
Yes, but you've got to buy an awful lot of shares.
You're going to get invited to that table.

Speaker 3 (01:59:44):
So so and this isn't you know.

Speaker 10 (01:59:45):
I feel like we're leaning toward the credit union side
pretty strongly there and that those are the good reasons.
A little more transparency and you can be you can
be a little lot more comfortable that the decisions that
are being made are really for your benefit because they're
being made by other members just like you versus a
board of directors who is really only focused on the
on the shareholders. Now, So what's the downside of a
credit US. Well, in a lot of cases, you're going

(02:00:07):
to be giving up some on say technology. They're not
going to have the flashiest internet interfaces and mobile apps
out there, and that's I do enjoy that use. I
use my mobile banking apps all the time because I
don't want to see the inside of a bank branch. Ever, again,
bigger banks, of course, will have wider branch and ATM
networks where credit unions often will will participate in some

(02:00:28):
kind of shared arrangement with some other network that you
might not be familiar with.

Speaker 3 (02:00:31):
Don't let that rule it out.

Speaker 10 (02:00:32):
Do the research if you if it's a little tiny
credit union that you're not all that familiar with, understand
what that ATM network looks like and you can figure out.
You know a lot of them will have places in
random store chains like UDF or or that's P and C.
But but some of the gas station chains will have
some financial organization you've never heard of, and your local tiny,

(02:00:53):
little credit union may be a member of that. So
you don't necessarily have to rely on all they've only
got three branches, so therefore I only have three eighty.
That's not how that works. But on the other hand,
you're not going to have as much flexibility on promotional bonuses,
right because banks are publicly traded entities. They want to
be able to show they're bringing on new customers all
the time. You'll get better bonuses for opening new accounts.

(02:01:15):
We talked about the more sophisticated online stuff, you're never
going to see, for example, a fantastic credit card reward
program coming out of a credit union. You won't get
that that's going to come out of your publicly traded banks,
who have a lot more resources to do things like
that to drive business, and they have different incentives to
go drive new business and bring in new customers than
a credit union does. So the different things that there

(02:01:37):
are differences in the things that they will do to
attract you in the first place.

Speaker 1 (02:01:40):
Great, so you've given out a list of items, do
your work, do your homework, do the math, and figure
out what is in your best interest because it could
be a big bank, but it also could be a
federal credit union, depending upon you know where your desires
lie and you know the interest rates that you're paying
in that kind of thing. Appreciate the breakdown Brian James
is very helpful exercise. And of course I appreciate the
comment station we have every week, and salute to the

(02:02:02):
ladies group that listens every Monday and Monday intently to
Brian James, you do great work. Brian, will have you
on next Monday. Have a great week, my friend.

Speaker 3 (02:02:09):
I appreciate it. Thanks for the time, and thank you ladies.

Speaker 1 (02:02:12):
Don't go away. Eric Trump of the book Under Siege,
You'll be on next. This is fifty five KRC and iHeartRadio.
His Brian Thomas happy to welcome to the fifty five
Casey Morning Show. You know him, I know him, and
he is now an author of the book Under Siege,
My Family's Fight to Save the Nation by my guest.
Eric Trump, Yes, the executive vice president of the Trump Organization,

(02:02:33):
leading the global operations one of the most iconic real
estate empires in the world overseas. The expansive portfolio including
the Trump Hotels, Trump Golf. You can go on and
on and on about the real estate holdings. He is
responsible for the company's expansion into emerging industries. He also
happens to be the target of a lot of political
attacks and just by virtue of his membership of the
Trump family. That's what the book about. At least I

(02:02:55):
understand Eric Trump. It's great to have you on the
fifty five Casey Morning shows. I sat here and contemplated
the last say ten years, and I guess you've lived
with this microscope focus your entire life. I mean, would
that be accurate before the Trump political era came in?

Speaker 11 (02:03:11):
Yeah, but never anything like this. Brian and a'moso honored
the book. You know, Underseags went to number one on Amazon.
It's doing incredible. And then clearly people are you know,
clearly people in the country and making a statement because
so many of us have been targeted. It's not just
Trump family. I mean, Underseage is kind of the story
of this entire country, the entire Magat movement, all of us,
I mean all of us were deep platforms, debanks, and
mean the second my father went down that escalator, it

(02:03:31):
took twelve minutes before the Washington Post wrote wrote an article,
this is when the impeachment of Donald Trump began. And they,
I mean they did everything right. They impeached him twice.
They made up the dirty dot CAAs they you know,
accused us of having secret servers in the basement of
Trump Tower communicating with the Kremlin in Russia. They weaponized
every DA and every age, whether it's in New York

(02:03:52):
City or Washington, Dcor or Fulton County, Georgia, they weaponized
all of them against our family and my father. I mean,
they took him off the ballot in Maine, they took
him off the ballot in Colorado. They stripped him of
all his social media. I mean, if you tried to
type in Trump into YouTube, you couldn't find him. And
they threw him off of Twitter, and threw him off
of x and threw him off of Facebook. I became
the most impement person in American history. I've never gotten

(02:04:14):
so much as a traffic ticket. They did everything they
could to destroy our family. They raided mar Alago, they
raided Milania's room, they raided Baron's room, and then they
tried to kill him in Butler, Pennsylvania. And then they
tried to kill him again, you know, eight weeks later
at the golf course in Florida. They tried to put
our family and our country under siege because they didn't
like what my father was saying, and they didn't like

(02:04:36):
the fact that we had created the greatest political movement
in history. And Brian, the story had to be told.
It had to be told from kind of an insider view,
as a guy sitting in the courtroom, as a guy
receiving those subpoenas, as a guy fighting like hell for
our entire family and really holding that family together outside
of Washington, DC, because I was in charge of you know,
everything that you just listed, you know, and the story

(02:04:56):
had to be told to the American people. And by
the way, the greatest part of this Ryan, we won.
I mean, we beat the mainstream media. We beat them
in embarrassing fashion. They're totally irrelevant and independent voices like
yours are all of a sudden, you know, winning the
day where you know, ten years ago, I think that
was very different. NBC and ABC and CBS were the
trusted voice of this nation. They are no longer. And

(02:05:19):
you know, and we had the greatest victory in political history,
winning the popular vote, winning every swing state and so on.
And so it's a beautiful story, but man, was it
a hell of a fight.

Speaker 1 (02:05:28):
Do you take any comfortable at the big win? Because
to me, that sort of suggested that, you know, We're
smarter out here in the unwashed masses than the Democrats
perceived us to be. We saw what happened to Donald Trump.
We knew that Steele dossier was paid for by the
Democratic Party, created whole cloth full of lives for the
purpose of keeping Donald Trump from getting elected. Enter Hillary

(02:05:49):
Clinton's debacle. She lost her own campaign. I think on that.
Then they used that Steele doci to continue to perpetuate
this myth that the Russia was involved in the collusion,
to go through the whole investigation find out there is
nothing there. This was all a lie, that was all
done to undermine your dad getting anything accomplished in his
first four years. And Lord Almighty, it was non stop
under siege. It was the biggest political distraction from getting

(02:06:12):
work done that I've ever witnessed in my sixty years
of life.

Speaker 11 (02:06:16):
You know what, I'll never forget thinking of my desk
at Trump Tower and I get a call, and the
first calls from the New York Times, the second calls
from the Washington Post. Eric, I hear you have secret
servers in the basement of Trump Tower that are communicating
with the Kremlin. I almost spit my drink out on
my desk. I was laughing so hard, right, I mean, like,
give me a secret servers is. We hardly knew what
a delegate was, Brian. You know, we're real estate people.
You know, we had gotten into the political thing. I mean,

(02:06:37):
you want to talk about winging it, We were like
the definition of winging it. We weren't smart enough to
communicate with with with Russia or collude with Russia. I
mean I started laughing and I said to them, you
want to come over here right now, and if you
over here in five minutes, I'll give you a I'll
give you a tour of the basement of Trump Tower.
You can look for the quote unquote secret servers.

Speaker 4 (02:06:53):
Right.

Speaker 11 (02:06:54):
They knew it was a lie. The FBI knew it
was a lie, and they led it percolate for three years.
At first, they wanted it to be our October surprise
so Hillary Clinton could get three extra votes, you know,
and hopefully win the election. And they even defined the
October surprise as something that is so damaging, you know,
but somebody doesn't have enough time to disprove, so the
damage is done by the time they disprove it. Right then,

(02:07:16):
after they lost in such embarrassing passion against a group
of quote unquote misfits who didn't know anything about politics
and were at a five to one fundraising deficit. They
continued the narrative to allow Hillary to stay faced, and
by doing so, they literally pitted the two biggest nuclear
superpowers against each other, which hampered communication for a three
year period of time. I mean, you know how awkward

(02:07:37):
those conversations were as they were accusing us of Russia
collusion between my father and and and Putin and again
also Hillary, you know, some greedy woman could get could
get you know, three extra votes in a campaign which
he otherwise lost, or try and stay faced. Why why
the Clinton dynasty, you know, who actually knew something about
politics and had actually been to Washington, DC before, you know,

(02:07:59):
lost to effectively my father and myself and Don who
are really the only three people who were standing on
that stage at that time, because no one else believed
in us. And that's how damaging this is. And they
knew it, and they allowed it to continue for the
sake of the Democratic Party, even though everybody knew who
was a lie.

Speaker 1 (02:08:14):
My guess said, Hey, Eric Truv, author of Underseieged My
Family's fight to save our nation. Eric got to ask
you what was rather perplexing for me the entire time,
Although I can understand him just sitting back and saying,
I'm not going to touch this with a ten foot
poll let me watch them self destruct. How come Vladimir
Putin didn't chime in at any given time? Since we're
talking about him and what he did, you'd think maybe

(02:08:35):
just maybe he'd interject, maybe a comment or two, but
never happened.

Speaker 11 (02:08:39):
Yeah, there's chaos and other countries that our adversaries are
probably beneficial to Russia and China, right, I mean, I think,
I think if you look at the playbook of most
adversaries to the United States, right, And I don't want
to try and pitch two countries against each other right
now by saying this, But no, I mean they're not
exactly you know, China doesn't exactly want harmony in the
United States, right, They don't want exactly sunshine and lollipops

(02:09:00):
and rainbows. You know, these guys are popping the popcorn
watching us tear each other apart, you know, based on
Miss Trews and probably laughing all the way to the bank.
I mean, that's how that's how real life works as
as sick and deranged as that is. And so you
know that's why he didn't say anything. And you know, Harraham,
I probably won't say anything.

Speaker 1 (02:09:18):
Yeah. I figured that was a direct answer to the question.
Of course, we know the Chinese Communist Party is stirring
the pot of division in this country through social media, though,
and actively engage in that. Yeah. One of the more
troubling issues of are illustrations of lawfare. And you know,
I practice laws of litigation attorney for sixteen years before
it came on the Morning Show, so I have a
little bit of background in terms of the uh, the
straight face test that you have to pass when you

(02:09:40):
file a lawsuit the real estate claims against Donald Trump
in New York that somehow he overvalued the real estate.
I mean, you're talking about major banks that have their
own legal departments, that do their own real estate valuations.
They are experts at this. This was an arms length transaction.
If your dad said the place is worth a trillion dollars,
they would have laughed and said, no, we did our
own evaluation. It's worth acts and they can haggle over that.

(02:10:03):
But they either accepted his calculations, recognizing that there was
enough this, I mean, he was going to pay it back.
They weren't damaged. There was no justiciable controversy that that laws.

Speaker 11 (02:10:14):
And I could go into this for four hours because
this is what I do. I run the Trump organization.
Not only were they not damaged, they made hundreds of
millions of dollars and they testify saying that they were
we were the best borrower they've ever had, meaning you know,
they were literally they had emails which is, how do
we loan Trump more money? Because he's literally the best borrower.
They called us the big whale and the platinum borrower, right,
and then letsitsie James comes in and says that we

(02:10:36):
somehow defrauded banks. We defrauded Deutsche Banks, the most sophisticated
real estate lender on planet Earth. And the great irony
of it is they did every year they did their
own appraisers, you know, appraisals on the assets, and they
had to meet some LTV test and every single year
they plot, you know, they passed with flying colors, so
that collateral to the actual loan was the property itself.

(02:10:58):
With every year they were appraise and it was passing
the very test. There was never a default. There was
never a mispayment. There was never There wasn't there was
never a breach of contract. You know, there was nothing.
There was nothing. And they came in and they literally
testified in court. I was sitting there ten feet away
from the guy from Deutsche Bank. These are some of
the best real estate as, these are some of the

(02:11:18):
most honest people. We've never had a problem with them,
We've loved the relationship. We consider them a platinum borrower.
And then all of a sudden, the verdict comes down
five hundred and sixty million dollars paid immediately, you know,
and and let Dan, Eric and Don and Donald Trump
from ever doing business in New York City again.

Speaker 1 (02:11:34):
It was insane.

Speaker 11 (02:11:35):
Now, thankfully, Brian, the Appellate Court through the thing out,
including the presiding Judge of New York States, through the
entire thing out at a five zero decision. But this
is the lawfare that we were against. But they didn't care.
They found a crooked judge and they wanted to try
and bankrupt our company, bankrupt our family, no different than
the gag orders they put on my father every single day,
which is why I was on the courthouse steps yelling

(02:11:57):
and screaming because you know, in some of the cases
I wasn't so I was the only Trump voice who
could go out there and communicate a message. It's what
they wanted to do. They wanted to silence us. They
wanted to destroy us. They wanted to ruin the company.
They want to bankrupt our family. They wanted to take
my father out using any means possible, which is the
exact definition of a siege. That's why I called the
book under Siege, because you know they lay siege to

(02:12:18):
not only our family, but to all of us and
our entire nation.

Speaker 1 (02:12:22):
I can't imagine the emotions you had to go through.
I mean, basically, from the moment he walked down the
steps of pronouncing his presidency, you woke up and are
living a Kofka novel.

Speaker 5 (02:12:31):
Yeah, maybe worse.

Speaker 11 (02:12:32):
Honestly, if you were to ask you if you read
Under Siege, you know at the end of it you'd say,
it almost can't be true. But we know it is
because every American lived parts of it in their own life.
I mean, if somebody did it in a fictional novel,
you'd say, you know, that's a little extreme, but this
is what they did. I would have never thought that
could have been the United States of America. I mean,

(02:12:52):
I could have never thought that an FBI director Tomey
and it was spending his time leaking memos to the
New York Times. I mean, aren't FB eye directors. You know,
maybe I'm old school, but like I want an FBI
director to focus on, you know, not having planes fly
into buildings, make sure terrorists aren't shooting up subway stations,
making sure that our streets are safe, making sure that
they're no serial killers. Like even that what most people

(02:13:14):
think of an FBI director as doing, meaning protecting the homeland.
Instead this guy, you know, this guy's buddies with everybody
over at you know, in your Times, leaking memos every
single day involving conversations that he had with the President
of the United States. Like do we not as a
country deserve so much better than that, you know, And
it's it's it's crazy, Like this isn't the best of government.

(02:13:34):
This is the worst of government. This is the worst
way you could spend your task. Pare money and and
just all of us, everybody listening, every civilian in this
in this nation, demands better from these people.

Speaker 1 (02:13:45):
Eric Trump, you and of course, your father, Donald Trump,
showed the value of sticking it out, fighting against this nonsense,
constant attack regularly twenty four to seven a day. They
managed to persevere. And I really truly salute you and
your father for sticking it out and you know, showing
the strength. It was necessary because very few among us
could show it. But then again, very few among us

(02:14:06):
could afford the legal charges and fees that you got
build monthly to deal with this lawfair It would have
broken the average American. So it's a red flag for
everybody there. But for the grace of God, go i.
Eric Trump, author of Underseas, The Families Fight or My
Famili's Fight to Save Our Nation, Eric Wedmit it easy
for my listeners get a copy. It's on my blog
page fifty five Cadsey dot com, and I will strongly
encourage them to get a copy of this book, read it,

(02:14:28):
and also share it with their friends.

Speaker 11 (02:14:29):
Brian really appreciate you, my friends. It was a great
honor to be on you. You go get a copy,
send it to your liberal friends, and it's on Amazon.

Speaker 1 (02:14:35):
It's number one.

Speaker 11 (02:14:36):
We're doing great, so I'm very proud of it.

Speaker 1 (02:14:37):
Eric Trump, keep up the great worth