Episode Transcript
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Speaker 1 (00:00):
We've had a really busy show today. We've talked about
lots of subjects of you know, moving around the state.
But there's a subject that matters to everybody. There's a
subject that if you're a small business person and you're
listening to the show right now, you know, don't turn
me off. You might want to hear this. We're all,
we're all. You know, there's all these opportunities to grow
your business. And I'm a small business owner out of Fresno.
(00:22):
Started my business forty years ago with one hundred dollars bill.
Now have seventy employees. I have two beautiful buildings that
we that we work out of, that I control my
own destiny. And about about thirty some years ago, I
was facing a situation where I needed to move into
a new building and I could either rent or buy.
And I was lucky enough at twenty nine years old,
(00:42):
twenty seven years old or whatever it was at the
time that I could, you know, buy my own building.
And I was able to get in with very little
money down ten percent. And so it changed my business career,
It changed my life, it changed my family's life. That
I own my building, and these times when you're hearing
all the negative story is all the negativeness about business
and terriffs. I wanted to bring in someone that should
(01:06):
speak to what's going on in lending industry right now.
Someone who's young, who's a new banker, himself a new father,
but he's also a new banker. He's the the head
of head BDO for Central California, which goes for Modesto, Madeira, Fresno,
King's County, Tilarry all around. He's our business development officer
(01:26):
and is Joey Diego's Joey Welcome in to the show today.
Speaker 2 (01:28):
Hidel, thanks for having me.
Speaker 1 (01:30):
Yeah, Joey's new to this position. He's been a banker
for what have you been a banker about eight to
ten years?
Speaker 2 (01:34):
I think, yeah, all in as an assistant analyst underwriter
and then as recently as as August took over the
position with Senkel here.
Speaker 1 (01:44):
So tell us why if you're a small business owner,
you know, it's a great idea to have to call
you at sen cal Business Finance and get get a loan.
What's going on with the interest rates? Is there money
out there? I mean, let us know about this program
because a lot of people think, oh, you know, I've
I'll never own my own business, and we have a
lot of other programs to help small businesses. I say
(02:04):
we because I'm involved in the program myself, and I
just want to get Joe in here as a young banker,
someone that's moving on up in the banking world, that
there's a lot of great things going on and we
need to talk about the positive.
Speaker 2 (02:15):
Yeah. Uh, we have a good interest rate right now
about six and six and a quarter.
Speaker 3 (02:20):
Uh.
Speaker 2 (02:21):
We we are a good local company. Like Tel mentioned,
we are headquartered in in Fresno, but we have offices
in Bakersfield in Santa Maria. One of the one of
the biggest I think benefits of us is every loan
that I do, we work with a with a local
or a national bank. So I have a really good
(02:42):
and we have a really good handle on what each
bank is focusing on, kind of what they are hot on,
what they're cold on, uh, what the how they look
at at loans, and so coming to us first when
you're looking to purchase commercial real estate kind of helps
get that kind of inside track to get an idea
(03:04):
of who's lending on what and if it's a good
idea to go to a certain bank.
Speaker 1 (03:08):
Yeah, I think that just played out on a couple
of the loans you did on where we were able
to find a lender for a you know, some of
the properties that fell out of a local bankruptcy in
the agricultural space where they are large properties, twenty million
dollar properties, and you were able to identify a bank
that had an appetite for that kind of loan, and
how long did it take to close? You know, without
(03:28):
naming names, but I mean that was I thought that
was pretty impressive of the what you were able to
do with those two massive loans.
Speaker 2 (03:33):
Yeah, No, those were two great loans. I mean, couldn't
have asked for a better way to start, kind of
like my career in the sales side. All in close
was about ninety days from beginning to end, and that
lender was an institution that doesn't have a deposit requirement,
(03:54):
so the customer was able to get their loan at
the term they wanted, at the rate they wanted, and
also not disrupt their existing operations on the on the
account side, So it was kind of like a win
win for everybody. The lender that we worked with got
the loan, the bank that the customer was with didn't
lose their deposit relationships, so it was it was it
(04:15):
worked out very well.
Speaker 1 (04:16):
And in those situations, I mean we're talking hundreds of
jobs that were created or saved.
Speaker 2 (04:20):
I mean about four hundred four hundred and for one
of the.
Speaker 1 (04:22):
Projects, right and any other one at one point had
that many jobs, and they could have that many if
they staff up. I mean that's where like people talk about, oh, Okay,
we're gonna be cuts an SPA, Well, yeah, there's been
some cuts, but but we've seen, you know, SBA has
still been pretty reactive to our needs. And with Senkal
being a leader like they are, you know, one of
the top fifteen in the country, there's a lot of opportunities.
Speaker 2 (04:44):
From what we've been told, a lot of the cuts
were related to COVID era kind of jobs stuff with
idle loans PPP COVID that the programs the loans might
still exist in some capacity or another, but the programs
aren't really as relevant as they were at that time.
So the cuts actually haven't been as impactful on like
(05:07):
our turntime. So when I submit alone to the SBA,
it's three to five business days that we have to
wait to hear back from them. At the twenty twenty
one we were waiting twenty business days to hear back
from them. So it's it's it's not as kind of
scary of a process as it might have once seemed.
Speaker 1 (05:28):
Yeah. I think that's a lot of misunderstanding that people.
They get confused about lending and they think everything with
the SBA is tough. If you want to have a
you want a question for Joey, you want to call in,
feel feel free to call us at five five nine
two three zero forty two forty two. That's five five
to nine two three zero forty two forty two if
you want to talk about lending or had a question
for us. But you brought up something that I think
(05:50):
is really important earlier is that you're able to you know,
some banks they like hotels, some banks like gas station,
some banks like AG. I mean that's that's pretty important.
Speaker 2 (06:00):
Yeah, yeah, no, I think it really Again, it helps.
We're like the middle person. We're not a broker. We
give our loan as a second it's a forty percent loan.
The banks in first position at fifty percent, which is
how as Tal mentioned, you can get the low ten
percent down payment but it really, I think is a
(06:22):
huge benefit that I try to actively tell people to
take advantage of. It's my job to work and kind
of make contacts with the brokers in town, but it's
also equally as important my job to make sure that
I keep up on what the bank's appetites are for
certain industries, for certain types of projects. All this stuff
(06:44):
so definitely a good, A good I think, in my opinion,
a resource to at least start, even if it's a
five or four program isn't isn't for you. It's we
have a lot of context that that you can go
to after us to to make something work.
Speaker 1 (07:02):
Do you think it's better for a borrower to go
build from ground up or buy an existing facility? What
do you see the plus and minuses of both, and
what's been your experience. I know, you know you haven't
been there a long a lot of years, but you've
been in this segment of banking for quite a long time.
Speaker 2 (07:14):
I mean, building from the ground up, you get exactly
what you want so long as you can afford it,
but it takes time. Buying something existing might not have
everything you need, but you can add that you can
do tenant improvements as part of our loan as well,
So there's pros and cons to both.
Speaker 1 (07:35):
We've seen it. We've seen a lot of people, I think,
and you've seen this too, where people are renting their
buildings and said, hey, you know what, I'm tired of
paying rent, let me go buy it. I mean, that's
pretty exciting. As a board member on on sen Cal,
it's interesting for me to see these businesses that have
been renting for decades or years or months, whatever it
may be, and say, hey, we got an opportuny to
buy this building.
Speaker 3 (07:52):
Right.
Speaker 2 (07:52):
And the other thing too, we had another well, another
loan where uh, the the existing manager was going to
take over for the existing owners, the owners were ready
for retirement. It was it was all hands on deck,
let's make this work because we love our company, we
love to make we would love for this to continue
on how we set it up. So things like that too.
(08:15):
It just it makes it pretty pretty beneficial to be
able to help the manager who might not have the
experience and the capital of owning a company for a
long time to where they can come in with the
ten percent down and kind of make it work from there.
Speaker 1 (08:32):
Yeah, that's true. I mean that's that deals real close
to my office and is exciting. I think anytime you
can see a business continue on, because really business generational
change is challenging. I mean, I don't have anybody below
me that it wants to be involved by business. At
some point, you know, something happens where who knows sell
it or it continues get you get lucky, like in
(08:52):
that situation where an employee wants to take over the business.
And that's I think the beauty of that. The five
oh four SBA program. People think about government's bad a
lot of time. Let me tell you this SBA program
is a wonderful program for people that they want to
own their own business, want to be in you know,
have a nest egg down the road without a lot
of cash. I mean that ten percent down is And
(09:12):
I talked to some of the other day. They had
property and they wanted to build on that property, and
I said, hey, if you own the property and it
already praises, you're a long ways toward that ten percent,
if not all the way.
Speaker 2 (09:21):
There, because that ten percent or that property value is
what counts towards your down payment amount. So if that
property value covers your down payment and then some we
can essentially lend you less money, which means that you're
not having to borrow so much because you have the
capital in the property. You might have bought it fifty
(09:42):
years ago, it doesn't matter whatever the appraiser, the praise
value is is what we use as the as the
land value, and that's what can be used for your
down payment. So you're even putting in a lot more
without actually putting in more money with that land value.
Speaker 1 (09:57):
Yeah, and that's exciting. I think that's one of the
things with the program. There's other if you're a small
business person listening to this, and there's other programs like ours,
you know, around the country, around the state, because I
know people listen all over the world here on Power
Talk hoping to hear Trevor. But Trevor's out today, he'll
be back tomorrow. But other programs that we do, I mean,
we have some micro loan programs. There's a lot of
(10:18):
other programs out there for small business owners.
Speaker 2 (10:20):
Yeah, we have a City of Fresno micro loan program
for businesses within the city, small ten to twenty thousand
dollars kind of loans, sometimes bigger. And that's a cool
program because it kind of funds itself. As the loans
are made and they're paid back, that money gets put
directly back into that pot and it just just it revolves.
Speaker 1 (10:42):
It just keeps turning. And that's the beauty of it.
It keeps turning and turning. And you know, if you're
listening over in Santa Maria, we have an office in
Santa Maria. We have one in Bakersfield and Current County
as well. There's just so many opportunities in this great
value of ours to grow your business. And I think
I wanted to bring you in today, Joey, because I
mean as a as a banker and a small business person,
you really are here to help people absolutely and and
(11:05):
and how how like you know, people say, like, what
do you need? It's a government program. You know, I'm
gonna need everything. Like I always tell people just three
years of everything, which is normal. But what's what's your pitch?
I'm a little more crass.
Speaker 4 (11:18):
Uh.
Speaker 2 (11:18):
My pitch is I'm I'm gonna work with a bank.
On every loan that I do. I'm gonna need ninety
five to nine percent of the same stuff the bank
is gonna need. So I know there is a is
a stigma behind SBA lending specifically to where oh they
they want everything, they have everything. But there's been recent
within the past three three is years changes to our
(11:41):
affiliation rules that have allowed us to ask for way
less stuff than we used to have to ask for.
And and honestly, the only difference between what we ask for
and what the bank will ask for is I need
to know about previous government loans. Because we're giving a
government loan, we got to make sure that all any
other government loans are are within compliance or paid off
(12:02):
or forgiven and done the proper way. And a bank
will ask for bank statements. I don't ask for banks statements.
Speaker 1 (12:07):
And every now and then we found somebody and we've
had them that you know, the guy at a du
i or gallat of dei when they were nineteen or
twenty and they're fifty now, and you know, it's like
it pops up and we just you know, there's it's like,
you don't have to be a saint to get our loan.
We just want to look. We do a pretty good background.
Just don't why Yeah, I don't lie. Yeah, Well that's
that's that's the good thing of life. Just don't lie.
Tell the truth and it usually works out pretty well,
absolutely well. Before I let you go, Joey, I mean,
(12:29):
is anything else you want to tell the you know
your number, how to get a hold of you, and
what's anything else about our program that you think is
important that that someone just you know, going through life
needs to know.
Speaker 2 (12:37):
Yeah, so, first of all, our our number at Senkal
in Fresno is five five nine two two seven eleven
fifty eight. You can ask for me. I'd love to
help answer questions about the program, about how we can help,
about how we can we can make something happen, and
if we can't make something happen, Like I said, we
(12:57):
have contacts in the commune that we can send you to.
I'm not just going to say I can't help you.
Talk to you later. It's going to be, hey, I can't.
I can't help you this time around. But if you
want to keep trying, let's let's keep talking. Otherwise, maybe
try this person, or maybe try this.
Speaker 3 (13:15):
This is the Trevor Terry Show on the Valley's Power Talk.
Speaker 1 (13:19):
All right, We're going to do a quick segment here
because we're getting ready for a big interview with David Tangapow.
We're going to be talking about a lot of the
crazy things going on in Sacramento, Sacramento. But before we do,
I just had I saw something as I was getting
ready for this, this this show today, and I was
reading something at Carl Rove's calling the other day about
this twenty five year old kid, David Hoague, an ani
(13:41):
gun activist who's a vice chairman of the d d NCC,
the Democratic National Committee, and he's saying older incumbents in
California declaring it's out with the ineffective and in with
the effective. Who's he talking about. He's claiming he wants
to he wants to raise ten or twenty million dollars
to take out Democrats. I love the fact that the
Democrats are in such disarray. But guess what David Hoage's
(14:05):
pack that he ran typical Democrat, do as I say,
not as I do. It raised about ten million dollars
last year, eleven million dollars. It spent two hundred and
sixty six thousand dollars on political operations. The rest was
on fundraising and a salary for David Hoague, the DNC
vice chairman that wants to get rid of Democrats. So
(14:25):
it's pretty interesting. If the Democrats are relating to that
kind of stuff right now, they've got a problem. When
we come back after this, we're going to go with
David Tangapaw Assemblymen. There's a lot of crazy stuff going
on in Sacramento.
Speaker 3 (14:39):
This is the Trevor Terry Show on the Valley's Power Talk.
Speaker 1 (14:44):
We've got David Tangapon on the line, and there's so
many things to talk about. Assemblymen representing Calaveras County. I
think it's Twallhomy County, Madera County, Mariposa County, in a
big chunk of Fresno County. David, how you doing today?
Speaker 4 (15:00):
I'm doing well. I can tell you this. There's some
more crazy news that came up, but it is always
great to.
Speaker 1 (15:06):
Join in tow Well, listen, I got to talk about
crazy news, and I just remembered I wanted to talk
to you about this, and you know what, We're going
to start out something up in Modesto area, Calaveras area.
You know, I was up at my cabin and Arl
the other day and I was reading about the lake
closures up there and I heard and my cousin called
me what they're doing with the lake closures up on
(15:27):
up and Elk grover fulsome reservoir, but New Malonis is open,
but a Tulluk they had fully closed because they haven't
figured out how to check for a muscle that's not
even there. What's the latest on the mussel saga. If
you're a boater and you like to fish, this is
absolutely disgusting what the government's doing right now.
Speaker 4 (15:48):
So that is what we are looking into. Is we've
seen that there have been other lakes that have prepared
for this issue. What we know is that there's a
lot of the power companies that have this issue because
these muscles grow around the turbines and along and it
really causes some internal issues. So we understand what they're
trying to do. But this blanket band basically on boating
(16:10):
on these lakes that depend on the income and people visiting.
There are additional lakes that already have the essential protocols
in place. Let's just copy and paste and let's take
from them. And then let's also look at whether if
we can partnership with high schools or create jobs for
a lot of the younger kids to potentially wash the boats.
Whatever it is that we need to do. These communities
(16:32):
rely on this income. We've got to make sure that
access to the lake is there.
Speaker 1 (16:36):
Yeah, I was. It's party appalling that you've got a
lake with million dollar homes on it and there's no
I drove by it the other morning. There's no one
on the lake, and on on on a holiday weekend
when there should be people there Easter weekend. It was
just ridiculous that these lakes are closed. Another unfortunate governmental overreach.
And I think that this case, probably the water districts
(16:57):
that control the lake really are incompetent, and the board
must be really incompetent to allow this to happen.
Speaker 4 (17:04):
Well, a lot of them are overwhelmed with everything else
that's coming. So this is where we're trying to come
up with an easy solution. Give them the template that's
been worked on on the other lakes that are trying
that have prevented this issue from happening for them, and
then just let them implement it and just say open
up your legs. Your community needs this. Even if you
shut down the lake, you're going to suffer massive losses
(17:24):
from an economy that depends on this with rising costs
when it comes to insurance, when it comes to utility costs,
the restaurants can't take it, so they need to be
opened so that way we can make sure that this
community is taken care of.
Speaker 1 (17:37):
Well, one of the great things you're working on. But David,
I'm going to probably go commit a when I leave here.
I think I'm going to go commit a crime, and
probably i'll beat somebody. I don't know. I'm not going
to kill anybody, but I'm I'm going to go to jail.
Because I hear you get conjugal visits in jail, I
can get I can get my own little apartment. When
I get thrown out in I own, you know, for
up to thirty two forty hours consistently, you know, to
(17:59):
be alone with my my loved one. But unfortunately there's
been a few murders. What the heck's going on there?
Won't you enlighten us on what's going on and what
you're trying to do to fix it?
Speaker 4 (18:08):
Well, I mean, it's the part that I think is insane.
I think people just need to know about the crazy
California and what a lot of the state's leaderships criminal
first agenda, and I think this fits the bill for
people who are in prison life in prison without parole.
They are allowed conjugal visits to spend time with their
significant other unsuper unsupervised up to four days. They're provided
(18:32):
with basically what I call date night in prison. They're
given condoms, they're given the guards go to target and
pick up drinks and all this other stuff for them.
And yet what are we doing where murderers and rapists
are allowed to have this type of participation that has
now led to the death of two women in the
(18:52):
same prison in the span of one year. So we've
got to come back and we've got to hold criminals
accountable again, because you want to know who doesn't get visitations,
the people who are the victims of that crime and
the families who came and spoke out against this. But
you're one hundred percent right now, and I will tell
you this, don't go out and commit any crimes. We
don't want that to happen. But we've got to get
(19:13):
back to sanity. And it's just not shown up here.
And this criminal first agenda that we're looking at right
now is actually why I'm a little bit late on
the call. I know we were scheduled five o'clock, But
I was working on something that else is crazy. Sixteen
and seventeen year olds that are solicited for child sex
trafficking is not considered a felony here. That is supposed
(19:35):
to change with the bill that we're presenting tomorrow that
my colleague Maggie Crell has been working extremely hard on
the California Public Safety Committee on the Assembly side, and
the Democrat leadership don't want to make that a felony.
And I am working very hard to expose and educate
because I cannot believe that we are protecting pedophiles in
(19:57):
this state and they don't want to make child sex
traffic being a felony.
Speaker 1 (20:01):
Well, I mean, what is Is there any logical reason
for that? And why not put pressure on the governor?
Has he come out of taken a position. Why not
force him because he's trying to be this big conservative now,
why not put the heat on him and cause us
a big divide in the Democrats. What's the reason for
the Democrats opposing that?
Speaker 4 (20:19):
So this is a pretty new development as of this morning,
because this is like one of the tips and tricks
that they do is, hey, if you don't do the amendments,
we want, or maybe if we don't want to hear
the bill, or maybe we don't want to put other
people who are passionately against I don't know, child sex
trafficking for some reason, they won't hear the bill. And
if your bill isn't heard, it just dies quietly. And
(20:42):
that's kind of the position that this was in. I
think they were negotiating with the author trying to get
her to pull back on it. And the forced amendments
the committee wants on this bill was to make it
to where they took away sixteen and seventeen, and all
they did was add in additional penalties and make the
penalties a larger fine. Well, all that does for me,
(21:02):
it just makes it to where California gets in on
the pimping and we're just now getting more money for
it instead of just making it a felony and putting
pedophiles who traffic children and people who solicit children in prison.
Isn't good enough for them. I'm sorry, it's just not
good enough for me. I just don't get how this
is happening. But California is getting everything that they voted for,
(21:25):
and they need to realize that there is a criminal
first agenda, and we've got to call it out, but
we've got to call it out at the ballot box.
Speaker 1 (21:32):
Well, but that's that's a long ways away. But you
just said something. I want to clarify it for you
know people, so they understand this issue is that California
theoretically is going to make money off of fifteen seventeen
year old girls have been trafficked because the Democrats want
to say instead of making a crime, they want to
raise the fine, So not deal with the crime, but
(21:54):
raise the fine, so they so the state takes in
more money that they can blow.
Speaker 4 (21:58):
Is that what you're saying, Well, that's exactly what the
amendment is. The amendment is actually pulling away sixteen and
seventeen year olds the age a portion of it and
just making the fine for trafficking higher. Well again, that's
the way I look at it. That means that we
just get our cut when it comes to the pimping.
And this is extremely personal to me because I have
(22:18):
a family member that was trafficked underage by a former
teammate of mine that I used to play football with
when I was in high school, and we didn't have
the protections in place that we do now because of
Senator Grove, who finally got child sex trafficking a felony
on the if you sell a child, This bill really
takes on the buying of a child. And yet the
(22:40):
Democrat leadership in this state is angry. They're physically angry
that this bill is in front of them because they
thought they were done with it last year when Senator
Grove was forced to take on those amendments.
Speaker 1 (22:51):
Well, it was Senator Grove, I think your predecessor is
simply when Jim Patterson worked on that for a lot
of years and that really that was a bill was
crazy that it took that long to get across the
finish line. The fact that there was so much discussion,
who's the Democrat leading Democrat that's posing this Wiener from
San Francisco, or which one is? You know, which one
(23:12):
is really vocally opposed to it.
Speaker 4 (23:14):
So kind of in the background, we've heard that the
Senate side does not want it to get there, which
is why I think they're trying to kill it in
the count in our Public Safety committee on the Assembly side,
I mean Wiener spoke out and forced those hostile amendments
last year on Senator Grove and I mean it was
insane to me that they made arguments that the Department
(23:37):
of Finance came out and essentially said that it was
too expensive and it would overburden our prison system because
it would put too many pedophiles away. Well, I've got
a solution for that that I think it costs less
than you know, twenty thirty cents. We can bring back
the firing squad, and we can get that done pretty quickly.
If you asked me, that's something that shouldn't be arguable.
(23:58):
We should protect the kids and all forms of child
sex trafficking should be a hard sellony and people should
go to prison forever. Or we can make it a
whole lot cheaper. And like I said, we could bring
back the firing squad.
Speaker 1 (24:11):
So what you're saying, and I know this because I've
been in the game for so dang long. I mean
probably before you're even born, I know, before you're born, actually,
But the realities in California is what you're saying is
that they you know, they don't want to make it
a crime. They want you to pay the fine. They
don't want you to do the crime because they don't
want to deal with the cost of the crime. So
(24:32):
California wants it both really both ways, they don't. They
don't want to put people away because that costs money.
Because Newsom's gotten rid of all the beds and the way,
you know, the over regulation of prisons. I mean, we
can't just send people to you know, Nick arraguayl Salvador
like they've done nationally. But really this is a disgusting
use of taxpayers funds both ways, lack of spending it
(24:53):
and trying to and raise funds.
Speaker 4 (24:56):
Well, like you said too, I think again the overarching
theme that we're seeing time and time again, you know,
whether it's money used to protect criminal illegal immigrants who
have come here and committed murder, rape, burglary, all of that.
They want to protect those people with early release. A
bill that we just heard last week that with Prop.
(25:17):
Forty seven and fifty seven they are now forcing the
early release credits for any criminal that committed those types
of crimes to apply to them instead of giving CDCR discretion.
Now we see that they don't want to make it
to where sixteen and seventeen year olds that are trafficked
a felony, and they will pull out every single stop
(25:39):
gap to fight because the overarching theme is a criminal
first agenda. They fought against Prop thirty six, they tried
to come with workarounds that made in. Prop thirty six
did something very simple. It made fetanol the same level
as heroin, crack cocaine, methanphetamine, because at the time, heroin
(26:00):
was actually less of a drug than marijuana, essentially on
the federal level. And then it made it to where
anybody who committed consistent burglary on their second time they
could be charged for a felony. And it just enhanced
penalties to keep people in prison. And the people who
(26:20):
are elected in the state of California have played all
of these games to try to kill those bills, and
yet now we're just got to expose it, and Californians
have got to realize they are getting everything they voted for.
I just don't believe they knew that this is what
they were going to get.
Speaker 1 (26:36):
Well, And the unfortunate thing for me is I think
the voters who listen to the show and others who
don't listen to the show, you know, they kind of
just people aren't focused on these issues until it affects
them directly. But these issues have they know somebody, their
kids know somebody that's been traffic There's a lot of
trafficking going on and it's really scary. But let's let's
let's move on from trafficking. You were trafficked out of
(26:58):
a few of your committees. I guess as a freshman. Uh,
the leadership up in Sacramento, they really didn't like you
on the Insurance Commission Committee where you were where you
were vice chair Republican lead of the of the Republicans
on insurance and you got booted off by the leadership
up there. Wonn't you what's gone on since that happened?
And are you on any committees now outside of uh,
(27:20):
you know, uh giving dog a dog dog catcher licenses out?
I mean, are you doing anything more valuable in any
other committees they put you on?
Speaker 4 (27:27):
You know they I've got a new record. I am
one of the fastest to be removed from committees in
legislative history, especially as a new member. I didn't even
get to serve on some of those committees. But that's
okay because I've told a lot of people from the
very beginning, I will not be complicit with the collapse
of California. I do not believe we are moving on
(27:49):
an exoduted fashion in which we need to make the
changes uh faster and we need to make sure that
we're focusing on helping people. So I was removed from
the Insurance Committee as the vice chair. I was removed
from the Health Committee as well, and I was removed
from Utilities and Energy, three committees that I really wanted
to go and focus on because I believe that's where
people are having the most issues our insurance. We're not
(28:12):
in an insurance crisis, we are in an insurance catastrophe.
And having those hard conversations and being prepared to drill
the Insurance Commissioner Ricardo Laura for not doing enough to
make insurance affordable or for focusing on risk management and
pushing proper force management. This is something that I think
is a dereliction of duty and they did not want
(28:33):
me to have the hard conversation. Since then, though I
have been put on a few other committees. This actually
just happened about ten days ago, where I was put
on the Appropriations Committee, which is a pretty big committee,
which I was also put on Housing and Community Development.
I did not get those committees back, but I kind
of see it in a point where when they kicked
(28:54):
me off, they thought they were gonna whip me in place,
and I was going to be quiet and mind my
own but they just gave too much time for me
to double down on the work I was doing. That
Now it's essentially they're trying to bury me in paperwork.
But We're going to rise to the occasion because I
think that's the dedication that the Californians deserves.
Speaker 1 (29:10):
Well, and I think it's very important. Certainly when you
and I were talking a few months ago, after the
fires in La and the other things, this insurance catastrophe,
you know up in the mountains where where these these
you know, a nonprofit I'm involved in in Arnold, the
Moose Lodge up there, their insurance went from five thousand
to twenty five thousand. A business up there, a big
(29:32):
business up there, that their insurance went from ten thousand
to seventy five thousand.
Speaker 4 (29:35):
You know.
Speaker 1 (29:36):
And the reality is it's unfortunate because the probability of
the burn is not that high. They've done a great
job with fire safe in the community up there. Yes,
fires happen, but fires happen when you when you ignore
things like they've done in La where you don't you know,
they didn't manage the forest in the Santa Monica area.
They wouldn't allow them to cut trees or have control burned.
(29:58):
So when you have a one hundred mile an hour wind,
bad things happen when you have a lot of undergrowth.
And I think that's what I was frustrated when they
kick you off, because you could have brought a lot
of that to light.
Speaker 4 (30:08):
Well. And that's all we wanted to focus on, was
we need to make sure that the health of our
forest is the primary factor to these wildfires. And I
would tell them if cal Berkeley is telling us that
we have an eight hundred percent fuel load and capacity
that our acreage can't sustain right now, shouldn't we expect
an eight hundred percent larger than normal fire And that
maybe it's not climate change, and maybe it's not just
(30:31):
the old power lines that are there. Maybe it's the
new thing, the new thing of bad forest management and
fire mitigation for the last forty years that has led
to the banking of vegetation. That nature is just coming
to clean itself as it always has done, especially when
fires have been forever. How about we stop trying to
just get human beings out. And I keep telling them
(30:52):
too about the environmentalists, I don't believe that they're environmentalists.
I believe they're anti human activists that are actively working
to remove human beings and they're just allowing this to
be significantly worse. And they shouldn't have a stranglehold on
the our legislature, and we should just do what is
right for the people of California because we know what's
(31:12):
working right now isn't working at all.
Speaker 1 (31:14):
Yeah, I agree, Before I let you go the uh
you saw it up in the Creek fire. You know,
four hundred thousand plus acres burned, But I think pg
who managed their forest well, only had a little under
one thousand acres burn and it didn't burn very well
because it's so well managed, much like fire safe communities
would be. Is that kind of a correct statement?
Speaker 4 (31:35):
Say that again, you cut out.
Speaker 1 (31:36):
About a fire the fire safe commit you know areas
like PGENE managed their forest in Shaver Lake versus you know,
other areas that burned tremendously whereas fire safe or well managed,
there wasn't as much burning.
Speaker 4 (31:50):
Oh, I mean that the shaver is here today because
PGNY on their private forest Side did a really good
job at managing it. That the fire when it hits
the well managed land actually sat down and pretty much
all of the area that pg and Eland was lost
was actually lost because it butt up next to US
(32:12):
Force Service land, and that's where we saw the general issues.
But we know that well managed forest not only that,
we are in a modern era. We should not. We're
not stuck in the nineteen fifties wood Famine era. That
I know, loggers don't want to go in clearcut anymore,
and we shouldn't be stuck in the nineteen seventies EPA era,
(32:33):
which is a response to the clearcutting. We should be
in twenty twenty four twenty twenty five standards. We know
what a healthy forest looks like, but we also know
how to take care of the environment as well.
Speaker 3 (32:43):
This is that Trevor Carry show Mond the Valley's Power Talk.
Speaker 1 (32:47):
Hey, it's toul Cloud filling in for Trevor Carry. I
hope you've had as much fun as I have today.
Thanks to everybody listening, It's been a fun show. There's
lots going on, lots of great conversations. I hope you
know if you don't know David Tangapa. I think somebody
in California you've got to get to know. He's a
real leader. He's not afraid to step up. You know,
he ran for office when no one thought he had
(33:09):
a chance. Just you know, younger guy. I played football
Fresnel State. But he knows he's working hard, his heart's
in the right place, he cares about the issue, so
you know, so it's pretty exciting to see how David's doing.
And I hope you all get to know him. He's
in that age group though. That's that I want to
bring this up before I left, and you know, I
don't get to host the show very often. So this
(33:29):
is one thing I've I read some polling numbers and
I saw the men men in the eighteen to thirty
demographic support Trump at forty five percent, but women are
at twenty four percent. It's the lowest lowest support number
for President Trump in all of the polling they've done.
And it's the biggest difference between the men and the
women in that eighteen to thirty year old range. And
(33:50):
it made me think, do the people not understand what's
going on right now? Do the people not understand that? Yeah,
We've got to have a little pain. We just can't
keep spending money like crazy, I mean budget deficit through
the roof. We've got to understand what our trading partners
are doing to us. And I'm in agriculture, so I
understand that hopefully we have fair trade and free trade
(34:11):
they can go together. But they shouldn't be stopping our
cheese or milk products from going to another country, or
chicken or meat because they have an arcane rule that
stops our product. Yet other products can come into our
country for no tariffs. So it makes me think with
young people, you know, sometimes these numbers and what's going
on nationally right now, there's some drop in President's numbers.
(34:33):
But I'm hoping if you can get some trade deals done.
I'm hoping as the economy, you know, as the hard
work he's putting in now, it'll pay off for the
next midterms because I'm very concerned that we lose the
House or the Senate.
Speaker 3 (34:45):
The assisted Trevor Cherry Show, Mondo Valley's Power Dog
We've had a really busy show today. We've talked about
lots of subjects of you know, moving around the state.
But there's a subject that matters to everybody. There's a
subject that if you're a small business person and you're
listening to the show right now, you know, don't turn
me off. You might want to hear this. We're all,
we're all. You know, there's all these opportunities to grow
your business. And I'm a small business owner out of Fresno.
(00:22):
Started my business forty years ago with one hundred dollars bill.
Now have seventy employees. I have two beautiful buildings that
we that we work out of, that I control my
own destiny. And about about thirty some years ago, I
was facing a situation where I needed to move into
a new building and I could either rent or buy.
And I was lucky enough at twenty nine years old,
(00:42):
twenty seven years old or whatever it was at the
time that I could, you know, buy my own building.
And I was able to get in with very little
money down ten percent. And so it changed my business career,
It changed my life, it changed my family's life. That
I own my building, and these times when you're hearing
all the negative story is all the negativeness about business
and terriffs. I wanted to bring in someone that should
(01:06):
speak to what's going on in lending industry right now.
Someone who's young, who's a new banker, himself a new father,
but he's also a new banker. He's the the head
of head BDO for Central California, which goes for Modesto, Madeira, Fresno,
King's County, Tilarry all around. He's our business development officer
(01:26):
and is Joey Diego's Joey Welcome in to the show today.
Speaker 2 (01:28):
Hidel, thanks for having me.
Speaker 1 (01:30):
Yeah, Joey's new to this position. He's been a banker
for what have you been a banker about eight to
ten years?
Speaker 2 (01:34):
I think, yeah, all in as an assistant analyst underwriter
and then as recently as as August took over the
position with Senkel here.
Speaker 1 (01:44):
So tell us why if you're a small business owner,
you know, it's a great idea to have to call
you at sen cal Business Finance and get get a loan.
What's going on with the interest rates? Is there money
out there? I mean, let us know about this program
because a lot of people think, oh, you know, I've
I'll never own my own business, and we have a
lot of other programs to help small businesses. I say
(02:04):
we because I'm involved in the program myself, and I
just want to get Joe in here as a young banker,
someone that's moving on up in the banking world, that
there's a lot of great things going on and we
need to talk about the positive.
Speaker 2 (02:15):
Yeah. Uh, we have a good interest rate right now
about six and six and a quarter.
Speaker 3 (02:20):
Uh.
Speaker 2 (02:21):
We we are a good local company. Like Tel mentioned,
we are headquartered in in Fresno, but we have offices
in Bakersfield in Santa Maria. One of the one of
the biggest I think benefits of us is every loan
that I do, we work with a with a local
or a national bank. So I have a really good
(02:42):
and we have a really good handle on what each
bank is focusing on, kind of what they are hot on,
what they're cold on, uh, what the how they look
at at loans, and so coming to us first when
you're looking to purchase commercial real estate kind of helps
get that kind of inside track to get an idea
(03:04):
of who's lending on what and if it's a good
idea to go to a certain bank.
Speaker 1 (03:08):
Yeah, I think that just played out on a couple
of the loans you did on where we were able
to find a lender for a you know, some of
the properties that fell out of a local bankruptcy in
the agricultural space where they are large properties, twenty million
dollar properties, and you were able to identify a bank
that had an appetite for that kind of loan, and
how long did it take to close? You know, without
(03:28):
naming names, but I mean that was I thought that
was pretty impressive of the what you were able to
do with those two massive loans.
Speaker 2 (03:33):
Yeah, No, those were two great loans. I mean, couldn't
have asked for a better way to start, kind of
like my career in the sales side. All in close
was about ninety days from beginning to end, and that
lender was an institution that doesn't have a deposit requirement,
(03:54):
so the customer was able to get their loan at
the term they wanted, at the rate they wanted, and
also not disrupt their existing operations on the on the
account side, So it was kind of like a win
win for everybody. The lender that we worked with got
the loan, the bank that the customer was with didn't
lose their deposit relationships, so it was it was it
(04:15):
worked out very well.
Speaker 1 (04:16):
And in those situations, I mean we're talking hundreds of
jobs that were created or saved.
Speaker 2 (04:20):
I mean about four hundred four hundred and for one
of the.
Speaker 1 (04:22):
Projects, right and any other one at one point had
that many jobs, and they could have that many if
they staff up. I mean that's where like people talk about, oh, Okay,
we're gonna be cuts an SPA, Well, yeah, there's been
some cuts, but but we've seen, you know, SBA has
still been pretty reactive to our needs. And with Senkal
being a leader like they are, you know, one of
the top fifteen in the country, there's a lot of opportunities.
Speaker 2 (04:44):
From what we've been told, a lot of the cuts
were related to COVID era kind of jobs stuff with
idle loans PPP COVID that the programs the loans might
still exist in some capacity or another, but the programs
aren't really as relevant as they were at that time.
So the cuts actually haven't been as impactful on like
(05:07):
our turntime. So when I submit alone to the SBA,
it's three to five business days that we have to
wait to hear back from them. At the twenty twenty
one we were waiting twenty business days to hear back
from them. So it's it's it's not as kind of
scary of a process as it might have once seemed.
Speaker 1 (05:28):
Yeah. I think that's a lot of misunderstanding that people.
They get confused about lending and they think everything with
the SBA is tough. If you want to have a
you want a question for Joey, you want to call in,
feel feel free to call us at five five nine
two three zero forty two forty two. That's five five
to nine two three zero forty two forty two if
you want to talk about lending or had a question
for us. But you brought up something that I think
(05:50):
is really important earlier is that you're able to you know,
some banks they like hotels, some banks like gas station,
some banks like AG. I mean that's that's pretty important.
Speaker 2 (06:00):
Yeah, yeah, no, I think it really Again, it helps.
We're like the middle person. We're not a broker. We
give our loan as a second it's a forty percent loan.
The banks in first position at fifty percent, which is
how as Tal mentioned, you can get the low ten
percent down payment but it really, I think is a
(06:22):
huge benefit that I try to actively tell people to
take advantage of. It's my job to work and kind
of make contacts with the brokers in town, but it's
also equally as important my job to make sure that
I keep up on what the bank's appetites are for
certain industries, for certain types of projects. All this stuff
(06:44):
so definitely a good, A good I think, in my opinion,
a resource to at least start, even if it's a
five or four program isn't isn't for you. It's we
have a lot of context that that you can go
to after us to to make something work.
Speaker 1 (07:02):
Do you think it's better for a borrower to go
build from ground up or buy an existing facility? What
do you see the plus and minuses of both, and
what's been your experience. I know, you know you haven't
been there a long a lot of years, but you've
been in this segment of banking for quite a long time.
Speaker 2 (07:14):
I mean, building from the ground up, you get exactly
what you want so long as you can afford it,
but it takes time. Buying something existing might not have
everything you need, but you can add that you can
do tenant improvements as part of our loan as well,
So there's pros and cons to both.
Speaker 1 (07:35):
We've seen it. We've seen a lot of people, I think,
and you've seen this too, where people are renting their
buildings and said, hey, you know what, I'm tired of
paying rent, let me go buy it. I mean, that's
pretty exciting. As a board member on on sen Cal,
it's interesting for me to see these businesses that have
been renting for decades or years or months, whatever it
may be, and say, hey, we got an opportuny to
buy this building.
Speaker 3 (07:52):
Right.
Speaker 2 (07:52):
And the other thing too, we had another well, another
loan where uh, the the existing manager was going to
take over for the existing owners, the owners were ready
for retirement. It was it was all hands on deck,
let's make this work because we love our company, we
love to make we would love for this to continue
on how we set it up. So things like that too.
(08:15):
It just it makes it pretty pretty beneficial to be
able to help the manager who might not have the
experience and the capital of owning a company for a
long time to where they can come in with the
ten percent down and kind of make it work from there.
Speaker 1 (08:32):
Yeah, that's true. I mean that's that deals real close
to my office and is exciting. I think anytime you
can see a business continue on, because really business generational
change is challenging. I mean, I don't have anybody below
me that it wants to be involved by business. At
some point, you know, something happens where who knows sell
it or it continues get you get lucky, like in
(08:52):
that situation where an employee wants to take over the business.
And that's I think the beauty of that. The five
oh four SBA program. People think about government's bad a
lot of time. Let me tell you this SBA program
is a wonderful program for people that they want to
own their own business, want to be in you know,
have a nest egg down the road without a lot
of cash. I mean that ten percent down is And
(09:12):
I talked to some of the other day. They had
property and they wanted to build on that property, and
I said, hey, if you own the property and it
already praises, you're a long ways toward that ten percent,
if not all the way.
Speaker 2 (09:21):
There, because that ten percent or that property value is
what counts towards your down payment amount. So if that
property value covers your down payment and then some we
can essentially lend you less money, which means that you're
not having to borrow so much because you have the
capital in the property. You might have bought it fifty
(09:42):
years ago, it doesn't matter whatever the appraiser, the praise
value is is what we use as the as the
land value, and that's what can be used for your
down payment. So you're even putting in a lot more
without actually putting in more money with that land value.
Speaker 1 (09:57):
Yeah, and that's exciting. I think that's one of the
things with the program. There's other if you're a small
business person listening to this, and there's other programs like ours,
you know, around the country, around the state, because I
know people listen all over the world here on Power
Talk hoping to hear Trevor. But Trevor's out today, he'll
be back tomorrow. But other programs that we do, I mean,
we have some micro loan programs. There's a lot of
(10:18):
other programs out there for small business owners.
Speaker 2 (10:20):
Yeah, we have a City of Fresno micro loan program
for businesses within the city, small ten to twenty thousand
dollars kind of loans, sometimes bigger. And that's a cool
program because it kind of funds itself. As the loans
are made and they're paid back, that money gets put
directly back into that pot and it just just it revolves.
Speaker 1 (10:42):
It just keeps turning. And that's the beauty of it.
It keeps turning and turning. And you know, if you're
listening over in Santa Maria, we have an office in
Santa Maria. We have one in Bakersfield and Current County
as well. There's just so many opportunities in this great
value of ours to grow your business. And I think
I wanted to bring you in today, Joey, because I
mean as a as a banker and a small business person,
you really are here to help people absolutely and and
(11:05):
and how how like you know, people say, like, what
do you need? It's a government program. You know, I'm
gonna need everything. Like I always tell people just three
years of everything, which is normal. But what's what's your pitch?
I'm a little more crass.
Speaker 4 (11:18):
Uh.
Speaker 2 (11:18):
My pitch is I'm I'm gonna work with a bank.
On every loan that I do. I'm gonna need ninety
five to nine percent of the same stuff the bank
is gonna need. So I know there is a is
a stigma behind SBA lending specifically to where oh they
they want everything, they have everything. But there's been recent
within the past three three is years changes to our
(11:41):
affiliation rules that have allowed us to ask for way
less stuff than we used to have to ask for.
And and honestly, the only difference between what we ask for
and what the bank will ask for is I need
to know about previous government loans. Because we're giving a
government loan, we got to make sure that all any
other government loans are are within compliance or paid off
(12:02):
or forgiven and done the proper way. And a bank
will ask for bank statements. I don't ask for banks statements.
Speaker 1 (12:07):
And every now and then we found somebody and we've
had them that you know, the guy at a du
i or gallat of dei when they were nineteen or
twenty and they're fifty now, and you know, it's like
it pops up and we just you know, there's it's like,
you don't have to be a saint to get our loan.
We just want to look. We do a pretty good background.
Just don't why Yeah, I don't lie. Yeah, Well that's
that's that's the good thing of life. Just don't lie.
Tell the truth and it usually works out pretty well,
absolutely well. Before I let you go, Joey, I mean,
(12:29):
is anything else you want to tell the you know
your number, how to get a hold of you, and
what's anything else about our program that you think is
important that that someone just you know, going through life
needs to know.
Speaker 2 (12:37):
Yeah, so, first of all, our our number at Senkal
in Fresno is five five nine two two seven eleven
fifty eight. You can ask for me. I'd love to
help answer questions about the program, about how we can help,
about how we can we can make something happen, and
if we can't make something happen, Like I said, we
(12:57):
have contacts in the commune that we can send you to.
I'm not just going to say I can't help you.
Talk to you later. It's going to be, hey, I can't.
I can't help you this time around. But if you
want to keep trying, let's let's keep talking. Otherwise, maybe
try this person, or maybe try this.
Speaker 3 (13:15):
This is the Trevor Terry Show on the Valley's Power Talk.
Speaker 1 (13:19):
All right, We're going to do a quick segment here
because we're getting ready for a big interview with David Tangapow.
We're going to be talking about a lot of the
crazy things going on in Sacramento, Sacramento. But before we do,
I just had I saw something as I was getting
ready for this, this this show today, and I was
reading something at Carl Rove's calling the other day about
this twenty five year old kid, David Hoague, an ani
(13:41):
gun activist who's a vice chairman of the d d NCC,
the Democratic National Committee, and he's saying older incumbents in
California declaring it's out with the ineffective and in with
the effective. Who's he talking about. He's claiming he wants
to he wants to raise ten or twenty million dollars
to take out Democrats. I love the fact that the
Democrats are in such disarray. But guess what David Hoage's
(14:05):
pack that he ran typical Democrat, do as I say,
not as I do. It raised about ten million dollars
last year, eleven million dollars. It spent two hundred and
sixty six thousand dollars on political operations. The rest was
on fundraising and a salary for David Hoague, the DNC
vice chairman that wants to get rid of Democrats. So
(14:25):
it's pretty interesting. If the Democrats are relating to that
kind of stuff right now, they've got a problem. When
we come back after this, we're going to go with
David Tangapaw Assemblymen. There's a lot of crazy stuff going
on in Sacramento.
Speaker 3 (14:39):
This is the Trevor Terry Show on the Valley's Power Talk.
Speaker 1 (14:44):
We've got David Tangapon on the line, and there's so
many things to talk about. Assemblymen representing Calaveras County. I
think it's Twallhomy County, Madera County, Mariposa County, in a
big chunk of Fresno County. David, how you doing today?
Speaker 4 (15:00):
I'm doing well. I can tell you this. There's some
more crazy news that came up, but it is always
great to.
Speaker 1 (15:06):
Join in tow Well, listen, I got to talk about
crazy news, and I just remembered I wanted to talk
to you about this, and you know what, We're going
to start out something up in Modesto area, Calaveras area.
You know, I was up at my cabin and Arl
the other day and I was reading about the lake
closures up there and I heard and my cousin called
me what they're doing with the lake closures up on
(15:27):
up and Elk grover fulsome reservoir, but New Malonis is open,
but a Tulluk they had fully closed because they haven't
figured out how to check for a muscle that's not
even there. What's the latest on the mussel saga. If
you're a boater and you like to fish, this is
absolutely disgusting what the government's doing right now.
Speaker 4 (15:48):
So that is what we are looking into. Is we've
seen that there have been other lakes that have prepared
for this issue. What we know is that there's a
lot of the power companies that have this issue because
these muscles grow around the turbines and along and it
really causes some internal issues. So we understand what they're
trying to do. But this blanket band basically on boating
(16:10):
on these lakes that depend on the income and people visiting.
There are additional lakes that already have the essential protocols
in place. Let's just copy and paste and let's take
from them. And then let's also look at whether if
we can partnership with high schools or create jobs for
a lot of the younger kids to potentially wash the boats.
Whatever it is that we need to do. These communities
(16:32):
rely on this income. We've got to make sure that
access to the lake is there.
Speaker 1 (16:36):
Yeah, I was. It's party appalling that you've got a
lake with million dollar homes on it and there's no
I drove by it the other morning. There's no one
on the lake, and on on on a holiday weekend
when there should be people there Easter weekend. It was
just ridiculous that these lakes are closed. Another unfortunate governmental overreach.
And I think that this case, probably the water districts
(16:57):
that control the lake really are incompetent, and the board
must be really incompetent to allow this to happen.
Speaker 4 (17:04):
Well, a lot of them are overwhelmed with everything else
that's coming. So this is where we're trying to come
up with an easy solution. Give them the template that's
been worked on on the other lakes that are trying
that have prevented this issue from happening for them, and
then just let them implement it and just say open
up your legs. Your community needs this. Even if you
shut down the lake, you're going to suffer massive losses
(17:24):
from an economy that depends on this with rising costs
when it comes to insurance, when it comes to utility costs,
the restaurants can't take it, so they need to be
opened so that way we can make sure that this
community is taken care of.
Speaker 1 (17:37):
Well, one of the great things you're working on. But David,
I'm going to probably go commit a when I leave here.
I think I'm going to go commit a crime, and
probably i'll beat somebody. I don't know. I'm not going
to kill anybody, but I'm I'm going to go to jail.
Because I hear you get conjugal visits in jail, I
can get I can get my own little apartment. When
I get thrown out in I own, you know, for
up to thirty two forty hours consistently, you know, to
(17:59):
be alone with my my loved one. But unfortunately there's
been a few murders. What the heck's going on there?
Won't you enlighten us on what's going on and what
you're trying to do to fix it?
Speaker 4 (18:08):
Well, I mean, it's the part that I think is insane.
I think people just need to know about the crazy
California and what a lot of the state's leaderships criminal
first agenda, and I think this fits the bill for
people who are in prison life in prison without parole.
They are allowed conjugal visits to spend time with their
significant other unsuper unsupervised up to four days. They're provided
(18:32):
with basically what I call date night in prison. They're
given condoms, they're given the guards go to target and
pick up drinks and all this other stuff for them.
And yet what are we doing where murderers and rapists
are allowed to have this type of participation that has
now led to the death of two women in the
(18:52):
same prison in the span of one year. So we've
got to come back and we've got to hold criminals
accountable again, because you want to know who doesn't get visitations,
the people who are the victims of that crime and
the families who came and spoke out against this. But
you're one hundred percent right now, and I will tell
you this, don't go out and commit any crimes. We
don't want that to happen. But we've got to get
(19:13):
back to sanity. And it's just not shown up here.
And this criminal first agenda that we're looking at right
now is actually why I'm a little bit late on
the call. I know we were scheduled five o'clock, But
I was working on something that else is crazy. Sixteen
and seventeen year olds that are solicited for child sex
trafficking is not considered a felony here. That is supposed
(19:35):
to change with the bill that we're presenting tomorrow that
my colleague Maggie Crell has been working extremely hard on
the California Public Safety Committee on the Assembly side, and
the Democrat leadership don't want to make that a felony.
And I am working very hard to expose and educate
because I cannot believe that we are protecting pedophiles in
(19:57):
this state and they don't want to make child sex
traffic being a felony.
Speaker 1 (20:01):
Well, I mean, what is Is there any logical reason
for that? And why not put pressure on the governor?
Has he come out of taken a position. Why not
force him because he's trying to be this big conservative now,
why not put the heat on him and cause us
a big divide in the Democrats. What's the reason for
the Democrats opposing that?
Speaker 4 (20:19):
So this is a pretty new development as of this morning,
because this is like one of the tips and tricks
that they do is, hey, if you don't do the amendments,
we want, or maybe if we don't want to hear
the bill, or maybe we don't want to put other
people who are passionately against I don't know, child sex
trafficking for some reason, they won't hear the bill. And
if your bill isn't heard, it just dies quietly. And
(20:42):
that's kind of the position that this was in. I
think they were negotiating with the author trying to get
her to pull back on it. And the forced amendments
the committee wants on this bill was to make it
to where they took away sixteen and seventeen, and all
they did was add in additional penalties and make the
penalties a larger fine. Well, all that does for me,
(21:02):
it just makes it to where California gets in on
the pimping and we're just now getting more money for
it instead of just making it a felony and putting
pedophiles who traffic children and people who solicit children in prison.
Isn't good enough for them. I'm sorry, it's just not
good enough for me. I just don't get how this
is happening. But California is getting everything that they voted for,
(21:25):
and they need to realize that there is a criminal
first agenda, and we've got to call it out, but
we've got to call it out at the ballot box.
Speaker 1 (21:32):
Well, but that's that's a long ways away. But you
just said something. I want to clarify it for you
know people, so they understand this issue is that California
theoretically is going to make money off of fifteen seventeen
year old girls have been trafficked because the Democrats want
to say instead of making a crime, they want to
raise the fine, So not deal with the crime, but
(21:54):
raise the fine, so they so the state takes in
more money that they can blow.
Speaker 4 (21:58):
Is that what you're saying, Well, that's exactly what the
amendment is. The amendment is actually pulling away sixteen and
seventeen year olds the age a portion of it and
just making the fine for trafficking higher. Well again, that's
the way I look at it. That means that we
just get our cut when it comes to the pimping.
And this is extremely personal to me because I have
(22:18):
a family member that was trafficked underage by a former
teammate of mine that I used to play football with
when I was in high school, and we didn't have
the protections in place that we do now because of
Senator Grove, who finally got child sex trafficking a felony
on the if you sell a child, This bill really
takes on the buying of a child. And yet the
(22:40):
Democrat leadership in this state is angry. They're physically angry
that this bill is in front of them because they
thought they were done with it last year when Senator
Grove was forced to take on those amendments.
Speaker 1 (22:51):
Well, it was Senator Grove, I think your predecessor is
simply when Jim Patterson worked on that for a lot
of years and that really that was a bill was
crazy that it took that long to get across the
finish line. The fact that there was so much discussion,
who's the Democrat leading Democrat that's posing this Wiener from
San Francisco, or which one is? You know, which one
(23:12):
is really vocally opposed to it.
Speaker 4 (23:14):
So kind of in the background, we've heard that the
Senate side does not want it to get there, which
is why I think they're trying to kill it in
the count in our Public Safety committee on the Assembly side,
I mean Wiener spoke out and forced those hostile amendments
last year on Senator Grove and I mean it was
insane to me that they made arguments that the Department
(23:37):
of Finance came out and essentially said that it was
too expensive and it would overburden our prison system because
it would put too many pedophiles away. Well, I've got
a solution for that that I think it costs less
than you know, twenty thirty cents. We can bring back
the firing squad, and we can get that done pretty quickly.
If you asked me, that's something that shouldn't be arguable.
(23:58):
We should protect the kids and all forms of child
sex trafficking should be a hard sellony and people should
go to prison forever. Or we can make it a
whole lot cheaper. And like I said, we could bring
back the firing squad.
Speaker 1 (24:11):
So what you're saying, and I know this because I've
been in the game for so dang long. I mean
probably before you're even born, I know, before you're born, actually,
But the realities in California is what you're saying is
that they you know, they don't want to make it
a crime. They want you to pay the fine. They
don't want you to do the crime because they don't
want to deal with the cost of the crime. So
(24:32):
California wants it both really both ways, they don't. They
don't want to put people away because that costs money.
Because Newsom's gotten rid of all the beds and the way,
you know, the over regulation of prisons. I mean, we
can't just send people to you know, Nick arraguayl Salvador
like they've done nationally. But really this is a disgusting
use of taxpayers funds both ways, lack of spending it
(24:53):
and trying to and raise funds.
Speaker 4 (24:56):
Well, like you said too, I think again the overarching
theme that we're seeing time and time again, you know,
whether it's money used to protect criminal illegal immigrants who
have come here and committed murder, rape, burglary, all of that.
They want to protect those people with early release. A
bill that we just heard last week that with Prop.
(25:17):
Forty seven and fifty seven they are now forcing the
early release credits for any criminal that committed those types
of crimes to apply to them instead of giving CDCR discretion.
Now we see that they don't want to make it
to where sixteen and seventeen year olds that are trafficked
a felony, and they will pull out every single stop
(25:39):
gap to fight because the overarching theme is a criminal
first agenda. They fought against Prop thirty six, they tried
to come with workarounds that made in. Prop thirty six
did something very simple. It made fetanol the same level
as heroin, crack cocaine, methanphetamine, because at the time, heroin
(26:00):
was actually less of a drug than marijuana, essentially on
the federal level. And then it made it to where
anybody who committed consistent burglary on their second time they
could be charged for a felony. And it just enhanced
penalties to keep people in prison. And the people who
(26:20):
are elected in the state of California have played all
of these games to try to kill those bills, and
yet now we're just got to expose it, and Californians
have got to realize they are getting everything they voted for.
I just don't believe they knew that this is what
they were going to get.
Speaker 1 (26:36):
Well, And the unfortunate thing for me is I think
the voters who listen to the show and others who
don't listen to the show, you know, they kind of
just people aren't focused on these issues until it affects
them directly. But these issues have they know somebody, their
kids know somebody that's been traffic There's a lot of
trafficking going on and it's really scary. But let's let's
let's move on from trafficking. You were trafficked out of
(26:58):
a few of your committees. I guess as a freshman. Uh,
the leadership up in Sacramento, they really didn't like you
on the Insurance Commission Committee where you were where you
were vice chair Republican lead of the of the Republicans
on insurance and you got booted off by the leadership
up there. Wonn't you what's gone on since that happened?
And are you on any committees now outside of uh,
(27:20):
you know, uh giving dog a dog dog catcher licenses out?
I mean, are you doing anything more valuable in any
other committees they put you on?
Speaker 4 (27:27):
You know they I've got a new record. I am
one of the fastest to be removed from committees in
legislative history, especially as a new member. I didn't even
get to serve on some of those committees. But that's
okay because I've told a lot of people from the
very beginning, I will not be complicit with the collapse
of California. I do not believe we are moving on
(27:49):
an exoduted fashion in which we need to make the
changes uh faster and we need to make sure that
we're focusing on helping people. So I was removed from
the Insurance Committee as the vice chair. I was removed
from the Health Committee as well, and I was removed
from Utilities and Energy, three committees that I really wanted
to go and focus on because I believe that's where
people are having the most issues our insurance. We're not
(28:12):
in an insurance crisis, we are in an insurance catastrophe.
And having those hard conversations and being prepared to drill
the Insurance Commissioner Ricardo Laura for not doing enough to
make insurance affordable or for focusing on risk management and
pushing proper force management. This is something that I think
is a dereliction of duty and they did not want
(28:33):
me to have the hard conversation. Since then, though I
have been put on a few other committees. This actually
just happened about ten days ago, where I was put
on the Appropriations Committee, which is a pretty big committee,
which I was also put on Housing and Community Development.
I did not get those committees back, but I kind
of see it in a point where when they kicked
(28:54):
me off, they thought they were gonna whip me in place,
and I was going to be quiet and mind my
own but they just gave too much time for me
to double down on the work I was doing. That
Now it's essentially they're trying to bury me in paperwork.
But We're going to rise to the occasion because I
think that's the dedication that the Californians deserves.
Speaker 1 (29:10):
Well, and I think it's very important. Certainly when you
and I were talking a few months ago, after the
fires in La and the other things, this insurance catastrophe,
you know up in the mountains where where these these
you know, a nonprofit I'm involved in in Arnold, the
Moose Lodge up there, their insurance went from five thousand
to twenty five thousand. A business up there, a big
(29:32):
business up there, that their insurance went from ten thousand
to seventy five thousand.
Speaker 4 (29:35):
You know.
Speaker 1 (29:36):
And the reality is it's unfortunate because the probability of
the burn is not that high. They've done a great
job with fire safe in the community up there. Yes,
fires happen, but fires happen when you when you ignore
things like they've done in La where you don't you know,
they didn't manage the forest in the Santa Monica area.
They wouldn't allow them to cut trees or have control burned.
(29:58):
So when you have a one hundred mile an hour wind,
bad things happen when you have a lot of undergrowth.
And I think that's what I was frustrated when they
kick you off, because you could have brought a lot
of that to light.
Speaker 4 (30:08):
Well. And that's all we wanted to focus on, was
we need to make sure that the health of our
forest is the primary factor to these wildfires. And I
would tell them if cal Berkeley is telling us that
we have an eight hundred percent fuel load and capacity
that our acreage can't sustain right now, shouldn't we expect
an eight hundred percent larger than normal fire And that
maybe it's not climate change, and maybe it's not just
(30:31):
the old power lines that are there. Maybe it's the
new thing, the new thing of bad forest management and
fire mitigation for the last forty years that has led
to the banking of vegetation. That nature is just coming
to clean itself as it always has done, especially when
fires have been forever. How about we stop trying to
just get human beings out. And I keep telling them
(30:52):
too about the environmentalists, I don't believe that they're environmentalists.
I believe they're anti human activists that are actively working
to remove human beings and they're just allowing this to
be significantly worse. And they shouldn't have a stranglehold on
the our legislature, and we should just do what is
right for the people of California because we know what's
(31:12):
working right now isn't working at all.
Speaker 1 (31:14):
Yeah, I agree, Before I let you go the uh
you saw it up in the Creek fire. You know,
four hundred thousand plus acres burned, But I think pg
who managed their forest well, only had a little under
one thousand acres burn and it didn't burn very well
because it's so well managed, much like fire safe communities
would be. Is that kind of a correct statement?
Speaker 4 (31:35):
Say that again, you cut out.
Speaker 1 (31:36):
About a fire the fire safe commit you know areas
like PGENE managed their forest in Shaver Lake versus you know,
other areas that burned tremendously whereas fire safe or well managed,
there wasn't as much burning.
Speaker 4 (31:50):
Oh, I mean that the shaver is here today because
PGNY on their private forest Side did a really good
job at managing it. That the fire when it hits
the well managed land actually sat down and pretty much
all of the area that pg and Eland was lost
was actually lost because it butt up next to US
(32:12):
Force Service land, and that's where we saw the general issues.
But we know that well managed forest not only that,
we are in a modern era. We should not. We're
not stuck in the nineteen fifties wood Famine era. That
I know, loggers don't want to go in clearcut anymore,
and we shouldn't be stuck in the nineteen seventies EPA era,
(32:33):
which is a response to the clearcutting. We should be
in twenty twenty four twenty twenty five standards. We know
what a healthy forest looks like, but we also know
how to take care of the environment as well.
Speaker 3 (32:43):
This is that Trevor Carry show Mond the Valley's Power Talk.
Speaker 1 (32:47):
Hey, it's toul Cloud filling in for Trevor Carry. I
hope you've had as much fun as I have today.
Thanks to everybody listening, It's been a fun show. There's
lots going on, lots of great conversations. I hope you
know if you don't know David Tangapa. I think somebody
in California you've got to get to know. He's a
real leader. He's not afraid to step up. You know,
he ran for office when no one thought he had
(33:09):
a chance. Just you know, younger guy. I played football
Fresnel State. But he knows he's working hard, his heart's
in the right place, he cares about the issue, so
you know, so it's pretty exciting to see how David's doing.
And I hope you all get to know him. He's
in that age group though. That's that I want to
bring this up before I left, and you know, I
don't get to host the show very often. So this
(33:29):
is one thing I've I read some polling numbers and
I saw the men men in the eighteen to thirty
demographic support Trump at forty five percent, but women are
at twenty four percent. It's the lowest lowest support number
for President Trump in all of the polling they've done.
And it's the biggest difference between the men and the
women in that eighteen to thirty year old range. And
(33:50):
it made me think, do the people not understand what's
going on right now? Do the people not understand that? Yeah,
We've got to have a little pain. We just can't
keep spending money like crazy, I mean budget deficit through
the roof. We've got to understand what our trading partners
are doing to us. And I'm in agriculture, so I
understand that hopefully we have fair trade and free trade
(34:11):
they can go together. But they shouldn't be stopping our
cheese or milk products from going to another country, or
chicken or meat because they have an arcane rule that
stops our product. Yet other products can come into our
country for no tariffs. So it makes me think with
young people, you know, sometimes these numbers and what's going
on nationally right now, there's some drop in President's numbers.
(34:33):
But I'm hoping if you can get some trade deals done.
I'm hoping as the economy, you know, as the hard
work he's putting in now, it'll pay off for the
next midterms because I'm very concerned that we lose the
House or the Senate.
Speaker 3 (34:45):
The assisted Trevor Cherry Show, Mondo Valley's Power Dog
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