11-12-25 FULL SHOW - It's Ask The Attorneys, And Weather Wednesday!

Bell and Pollock join for Ask the Attorneys, Dave Fraser pops in for Weather Wednesday, and Fort Lewis does a U-turn on Turning Point.

Episode Transcript

Speaker 1 (00:00):
The Mandy Connell Show is sponsored by Belle and Pollock
Accident and injury Lawyers.

Speaker 2 (00:05):
No, it's Mandy Connell and Connall, Ka.

Speaker 1 (00:13):
Ninem Got Watty Ken, then Niceys through three, Andy Connell.

Speaker 2 (00:23):
Keeping sad bab Welcome, Welcome, Welcome to a Wednesday edition
of the show. I'm your host for the next three hours.
Mandy Connell joined by my bunkin Nick orange sweatshirt wearing
fellow Hanthony Rodriguez, all those things. What's up, Mandy Lorins

(00:43):
And today we're going to take you right up until
three pm when we're gonna hand the station over to
KOA Sports. Lots of stuff to talk about today, and
I got guests coming in and we may or may
not have Kevin Elan. We're not sure, but we think
we might and I'm guessing it would be at one
is because that's when when we had tried. I don't know,

(01:04):
We'll see. We have no idea. Kevin Neiland's people called,
I would love to speak with Kevin Neil and obviously
we're trying to set it up. That could be like
a surprise because when you go read the blog by
finding it at mandy'sblog dot com, after you look for
the headline this says eleven twelve, twenty five blog it's
asked the attorneys and weather Wednesday. Click on that and

(01:24):
here are the headlines you will find within.

Speaker 3 (01:26):
I didn't know where one in office, half of American
allerships and clipments and say that ConA press plant.

Speaker 2 (01:32):
Sit down. The blog got a legal question whether Wednesday
at twelve thirty fort Lewis does a U turn on
Turning Point USA, Phil Wiser's expensive exception, obsession with Trump,
the history Colorado censorship, brew ha ha, Broncos Chiefs is
gonna be lit. The Dougco school Board goes out gracefully.
A brand new bridge in China collapsed. Want to read

(01:54):
about a miracle? The average size for women is no
longer a size fourteen. Billy about Thornton is on team
shut Up. AI just reached the top of the country charts.
Car Loan delinquencies hit new highs. Kids as young as
six see porn on social media. The twenty twenty five
hurricane forecast was wrong again. ARII will be closed. Black

(02:16):
Friday is stuffing really our favorite side? Behind the surge
and military recruiting. Why young men are attracted to bad ideas.
This transreckoning is upon us. This is so fifty year
mortgages or a stupid idea. Podcasting's white male problem is
very familiar to me. Flying cars are here, The rise
of the AI actor simmer down Bronco fans. Garrett Bowles

(02:39):
says this weekend is a big one. Why can't you
turn left? In New Jersey? More of why a fifty
year mortgage is a terrible idea, Trouble with grapes. Those
are the headlines on the blog at mandy'sblog dot com
Tech two A winner. I knew it, Nancy. I felt
good about that one. I'm gonna miss Nancy. We're not

(03:01):
going to retire that soundite when he's out of the house, Okay,
good news. I just want to make sure we always
have that. So there's a couple of things on the blog.
Did you see the video of the of the bridge
collapsing in China? Okay, the reason I included, I'm not
dunking on China, you know, thankfully apparently no one was hurt,
which is amazing. So but it's it's fascinating to watch

(03:21):
these things collapse and you can't see it as well
as I would like because this is just like a
tourist video shot from across the gorge. And but it's
fascinating and watch kind of how it collapses downhill. It's
super interesting.

Speaker 4 (03:35):
I mean, that's a pretty good video for I assume
was planned collapse. No, No, I believe it was from
a tourist. That person caught it pretty quickly to catch
a lot of it actual.

Speaker 2 (03:44):
Yeah, because this is almost a brand new bridge, yeah,
attached to a shifting mountain. Yeah, yikes.

Speaker 4 (03:51):
Yeah.

Speaker 2 (03:52):
I thought that they thought they could pull this off
and apparently they could not.

Speaker 5 (03:56):
Was on it.

Speaker 2 (03:57):
Cool video, It is a cool video. Anyone's on the bridge,
they think no one died, That's what I'm saying. So
maybe they knew it was sort of headed towards collapse
and they shut it down or something. And and then
maybe that's why this person was videoing in the first place.
They knew something was happening. So, but it's fascinating. It's
just very very interesting. If you love a good building
implosion like I do, you will enjoy this video. Someone's

(04:19):
getting fired, well yeah, or it is communist China. Someone
may be getting killed, Anthony. No, I'm not kidding. No,
I know they execute CEOs who rip people off in
China glorious, execute them. But the States is terrible. Yeah,
I know, should be like nobody says that there's some guy.

(04:39):
Don't even you guys. I know that there are a
lot of people who think Donald Trump can.

Speaker 6 (04:47):
Do no wrong.

Speaker 2 (04:48):
I don't think a lot of those people still listen
to the show. I am not one of them. Economically,
Donald Trump right now is just throwing stuff against the
wall to try and improve as polling. That's what it
feels like because there are so many different ways to

(05:12):
address the current mortgage crisis, some of them which are
big government interventions, really big government and event. Could you
imagine if the government said, you know what, We're gonna
top mortgage rates at three percent. Three percent, that's what
you're gonna pay in a mortgage rate. I mean that,
you know. I'm not advocating for that because I always
think the free market is a better option. But we
don't have a free market when it comes to mortgage

(05:33):
rates because the Fed sets mortgage rates. And more importantly,
the mortgage rates that we deal with are not even
set to the rates that the FED sets. They are
set to the yield on the ten year Treasury. There's
a whole bunch of reasons behind this, but it makes
sense in the grand scheme of things. You look at
long term debt a little bit differently than you look
at short term debt, and until the treasury yields become

(05:58):
more valuable, until they become something that people really want
to buy, Mortgage rates are stuck where they are, and
as long as the government keeps over spending, mortgage rates
are going nowhere. Because the ten year treasury, those mortgage
rates could very well go up because our debt is
no longer as attractive as it has been for decades.
Around the world, We're in an interesting place right now.

(06:20):
But now Trump one of the two things he has
suggested over the last few days that honest to God,
I First of all, he suggested the two thousand dollars
tariff check for people in certain income classes. This is
version two of the stimmy check. You guys, At least

(06:43):
this is money that somebody else paid for instead of
just money that we're printing. The stimmy checks are why
we have persistent inflation. They are a huge part of it.
All of the government spending we've done, which, by the way,
by passing another continuing resolution, which will happen tonight. Congress
has once again, once again punted on the one thing

(07:04):
it could do to actually help move the mortgage market,
and that is do something about spending in DC. Do
something about spending at DC. God as in America? What
is wrong with these people? Ah breathe, So the two
thousand dollars checks. That's first dumbass idea that I heard
from Donald Trump. Dumbass two idea was a fifty year mortgage.

(07:30):
One of the reasons that housing costs so much is
because people don't buy homes based on the cost of
the home. They buy it on the size of the payments. Right,
how much payment can you afford? That is how people
buy homes. Increasingly, that is how people buy cars, But
now it's this is how people buy homes. And when

(07:52):
mortgage rates were two percent three percent, all of the
people that were out there said, Wow, I can I
can afford a fifty one hundred dollars mortgage paym or
a three thousand dollars mortgage payment. I can afford that.
So you know what happened to the pricing of homes.
The people selling homes were like, oh my gosh, that
person can afford three thousand dollars a month, I can
raise the selling price of my home. So those super

(08:15):
low mortgage rates depressed, or excuse me, the super low
mortage rates exploded what people could ask because people could
afford more because they were paying less an interest, so
they could have a much more expensive house for the
same payment. So already governments screwed that up because the

(08:35):
Federal Reserve kept rates too low for too long. But
now we have all these people locked into their home
rates that are not willing to sell, because why are
you going to sell and go out of a two
or three percent mortgage into a six percent or seven
percent mortgage? Why are you going to do that? Especially
if your baby boomer looking to downsize and you sell

(08:56):
your home but your interest rate goes up so much
that your payments are the same for a smaller place.
What's the incentive there?

Speaker 5 (09:03):
You know it, just it.

Speaker 2 (09:05):
Government has already distorted the housing market, and now now
Donald Trump's great idea is to do fifty year mortgages. Guys,
this is so stupid. You won't even begin to touch
your principle on your loan for like twenty years. Twenty years.

(09:26):
You're basically going to be paying to rent your own
home from the bank. This is a terrible idea. In
two thousand and eight, when the housing crisis began, we
were in the epicenter of the housing crisis in southwest Florida.
I mentioned this before Fort Myers and Naples. The market
where we were living was number one and foreclosures for

(09:47):
eighteen months. Eighteen months we were number one. More people
were losing their homes in that area than anywhere else
in the country. It was mind blowing. At one point,
Chuck and I moved into a house on a st
where out of probably twenty five houses, there was twenty
that had been either in foreclosure or foreclosed on already,

(10:08):
so they were all empty. We lived on a ghost
street until the bank started selling the houses and people
started moving in. It was It was horrible, But you
know what started happening when the bottom fell out of
the market and you had houses. You had people that
had moved to Southwest Florida at the height of the
real estate market, and they paid seven hundred thousand dollars
for their house. A year later, that seven hundred thousand

(10:31):
dollars house is worth four fifty and you know, what
they did. They put their keys in an envelope and
mailed them back to the bank and said, here you go,
here you go. It was called jingle mail. We had
a name for it, jingle mail. When people believe that
they are in a financial situation that no longer benefits

(10:54):
them to the extent of I now owe four hundred
thousand dollars more on a home that it is worth.
They're not even gonna bother with them. They'll take the
seven year hit to their credit and they will walk away.
That is that could be. That is the most destructive
thing that I could possibly imagine. Not to mention the
thirty year mortgage, because then we're selling payments instead of

(11:17):
selling houses. Allowed the home building business to start getting
a lot bigger. You know, think about the houses that
you grew up in. If you're my age, I'm fifty
six years old. So we grew up when I was
really young in a two bedroom, two bath house and
that was pretty nice. Then we moved to a three bedroom,
one bath house, two bath house. Excuse me, and my

(11:42):
grandparents lived in a two bedroom, one bath house for
forty five years. They just never moved. And yet now
starter homes for some people are four bedroom, two and
a half, three bath, full you know, tricked out basement,
super super nice. It's just the standards have gone up
so much, which you think that's a good thing, except

(12:04):
they just made everything more expensive. And here in Colorado
we have so many idiotic building rules in some areas
that it is just tacking tens of thousands of dollars
onto the price of a home every single time they
build a home, just from government edicts. So Donald Trump's
idea is to get people into debt longer. Can you

(12:24):
imagine buying a house when you are twenty years old
and not paying it off until you're seventy. That's just stupid.

Speaker 5 (12:37):
It's just dumb.

Speaker 2 (12:40):
Mandy, I guess I'm not following along. Considering the average
tenure in a thirty year mortgages ten to thirteen years.
I don't like the idea of a fifty year mortgage,
but I'm missing what exactly it does. Thank you. It
allows people to lower their payments and it allows lenders.
And I have nothing against a lender making a fair
amount of money. I really don't because they're taking the
risk on me. I'm not blasting them, but the amount

(13:04):
of interest you would pay on a fifty year loan
is absurd, absolutely absurd, Mandy, Would you rather pay rent
to somebody for fifty years or pay your own mortgage
to the bank for fifty years? At least, when you're
paying rent, you're not responsible for all the repairs and
everything else that has to go on your house. What

(13:26):
do you do when your house needs a new roof
and it didn't get hit by ail? What do you
do when all of your appliances break? When you're a renter,
you call your landlord and take care of it. As
a landlord, that's my responsibility to take care of it.
So anyway, Mandy, this is the first time I've heard
someone put their head in their hands in frustration to yelp, yep, yep, yep.

(13:51):
Wouldn't this actually add a boost to the economy, this
Texter says, being that it's new money, But it's not
new money, it's really I mean, the people that would
benefit the most from this are home builders and home
sellers one hundred percent. The lenders are the ones that
are just going to be raking in cash because guys,

(14:12):
the interest rates are still going to be the same.
Now you're just paying out more because you borrow the
money for a longer period of time. This is just ridiculous.
So I appreciate that I'd rather be buying my own stuff,
but I mean, ultimately, there are other ways to solve
this problem. If you really wanted a government intervention type problem,

(14:34):
then fix the mortgage rates at three percent. They don't move,
they don't float, They're always three percent. It's artificial. Maybe
you change it for different credit ratings. I don't know.
I have a story in the blog today about car
loan delinquencies. Car loan delinquencies among subprom borrowers. Subprime borrowers
are people that are very very low credit scores, very

(14:58):
low credit scores, and their high risk, their high risk loans.
Right now, delinquent subprime auto loans are almost as seven percent.
That's the highest rate since nineteen ninety four. And part
of this is because cars are so damn expensive. Now,

(15:19):
do you know why, Because the government has been telling
people who make cars what has to go in them,
over and over and over again. They have to be lighter,
they have to go longer, they have to do all
of this stuff. So you know, things are not going well.
And this entire scheme is just ridiculous. Mandy, get a

(15:43):
well company on the air and ask them about costs.
Our well was twenty thousand dollars in twenty twenty one,
and we were told new Wells next year cost due
to Colorado environmental requirements about concrete, will cost Wells to
be ninety to one hundred thousand dollars for this same
Holy cow, good lord. This dexter said. The advantage of

(16:09):
the fifty year mortgage is that allows someone to get in.
You can always pay down an additional principle through that
likely will not happen, but assuming an increase an increasing market,
you will have increasing equity that exceeds the interest payments
and allows people to step up. Most people move up
within seven to ten years. So it does have a
niche area that it would work for, except do you

(16:30):
know who's going to get these loans? People that can't
afford to own a house. There's a big difference between
being able to buy a house and there's another category
of being able to own a house. And trust me
when I say this. When they were given about out
loans to anybody and their brother in Southwest Florida, you
could basically say I got a job, and someone would

(16:53):
give you a mortgage. All of those people defaulted because
they can afford to buy a home, they just couldn't
afford anything else. They couldn't afford repairs. They couldn't afford
to maintain the thing properly. They couldn't even afford a
lawnmower for the grass. They had enough money to buy it,
they just didn't have enough money to take care of it.
I'm just saying, Anthony's grandma Ellen is listening in Arkansas.

(17:16):
Can you say hi to her on the air now?

Speaker 3 (17:17):
Please?

Speaker 5 (17:18):
Then?

Speaker 2 (17:18):
Thanks, Hi, Grandma, Love you, Anthony's grandma Ellen. We love
that you're listening from Arkansas. We appreciate you, and I
hope you have a great day. It's time to talk
to my former friend Dave Frasier, who totally didn't call
me and let me know that I could have seen
the Aurora borealis last night if i'd only looked outside.

Speaker 3 (17:35):
What the heck, Dave, you weren't the only one. I
ran down to the weather deck when we started getting
pictures in and looked out from downtown Denver. Obviously, the
city lights obscured any chance for me to see it.
Some folks in Denver were able to see a hint
of it. Well, boy, some of the pictures we got
last night. I love it when our viewers connect.

Speaker 7 (17:56):
Us with what's going on over Yeah, the snowstorms.

Speaker 3 (17:58):
They're taking pictures. But the pictures we saw from the
western slope to the eastern plains, the clouds cleared just
in time, and it was probably I went to Alaska
years ago to see it, and I did. I will
tell you the pictures that we saw. And of course
iPhones today and the technology is phenomenal, but the pictures

(18:18):
were more vibrant. The greens, the rich greens, and the
reds and the purple shadings. They were just unbelievable. But
the funny thing is it was not expected and that's
what was odd. Sciants Weather listen, that's not my forte
but science weather is one of these things that they've
been dabbling in in years. And some of the graphics
we put on TV showing where the viewing line is,

(18:41):
those things haven't really come into play till like twenty twenty,
so they're.

Speaker 2 (18:44):
Kind of new.

Speaker 3 (18:46):
And they use a g scale. It's kind of think
of a hurricane scale, you know, zero as low as
fives and what we had last night was a G four.
So when I went to work yesterday, I have set
on my phone to get alerts. I get weather alerts
from the National Weather Service. I get earthquake alerts when
they're larger than a six point zero on the Richter scale,
and I get geomagnetic storm alerts.

Speaker 7 (19:07):
And so we had gotten one yesterday, and all of
us in the weather.

Speaker 3 (19:09):
Sider we're talking about it. But it was scheduled for
Wednesday today, this evening. So I'm walking through the newsroom
last night and our executive producer.

Speaker 7 (19:18):
Chris says, Dave or borri Alis tonight, I said no.

Speaker 3 (19:21):
No, tomorrow night. He says, I don't think. So I
go over to his desk and here come the pictures,
and I'm like, uh oh, So I think there was
either a miscalculation in when it arrived, or it was
stronger than they thought, or it came sooner than they thought.
But it was certainly vivid, and it was high on
the scale. It was a G four, and that is
when the viewing line can drop far south, even into

(19:43):
the Southern States.

Speaker 7 (19:44):
And we had a front row seat last night.

Speaker 2 (19:48):
And what exactly causes the aurora boreality, Dave.

Speaker 3 (19:52):
It's a geomagnetic storm in the atmosphere and it just
causes an electrical storm where the colors are kind of
streaming around. Again, a little above my knowledge of space,
weather and everything, but it's basically, I like to say
it this way, the sun burps this big.

Speaker 7 (20:08):
Giant ball of flair and it just races through space.

Speaker 3 (20:12):
And of course the biggest concern is to communications and
satellites and stuff like that. It can cause interference and
you'll hear stuff about you know, airlines and all that
kind of stuff. So it just kind of messes with
our electrical fields right and up high you have, you know,
all those kind of gases and everything floating around.

Speaker 2 (20:29):
I have seen it from an airplane flying over the
Arctic Circle going from San Francisco to Frankfurt, Germany, but
I've never seen it from the ground. And you didn't
call me, you big jerk. No, I'm just kidding, Dave.
When are we gonna get snow? When is? Don't get
me wrong, this is not a complaint, you know. I
am enjoying the heck out of this weather. Last weekend
we went hiking and it was absolutely magnificent. But when

(20:50):
can we expect some kind of change in this weather pattern?
And you know I'm asking about when an't we gonna
get snow days?

Speaker 5 (20:57):
Yeah.

Speaker 3 (20:58):
I I'm always in the camp of don't give up,
wait until the season's over. But I'm starting to cross
over the line and get into that get at the
back of the complaint line on the lack of snow
we've been talking about. We've been talking about a pattern change.
We still see that we said sometime after the seventeenth.

Speaker 5 (21:15):
That's still there.

Speaker 3 (21:17):
I'll give you for instance, on Monday and over the weekend,
the forecast called for us to get out of these
warm seventies by Saturday and start to get into the
fifties and then forties next week. Well, in the last
couple of days, we bumped Saturday back into the sixties,
and today I had to bump Sunday back into the sixties.
The pattern change is still there, but it's being held.

Speaker 2 (21:37):
Up just a little bit.

Speaker 3 (21:39):
And that's a little disconcerting to me, because while you
do have your overnight lows close to freezing or at
about twenty nine or thirty degrees, if you can get
a little bit of moisture, you can get it to
change over. I'm just not seeing a robust storm with
enough moisture that we would to be able to lay
down what would be considered a measurable snow. So I
think there's a chance Sunday late evening that we could

(22:01):
get a rain shower. It's just looking too warm. I
think there's a stray shower Monday, don't hold your breath.
And then I think Tuesday and Wednesday, as we finally
start to slide into the forties to about fifty degrees,
if there's enough shower activity, and I think it is
rain at this point, maybe we mixed in a couple
of snowflakes. I'm just not confident at this point to
the next seven to ten days we will see measurable

(22:23):
snow in Denver. So the count of how many snowless
days we had yesterday was two hundred and seven hour
or two hundred eight. I think we continue on that
count until we can see something more significant.

Speaker 2 (22:36):
I will take that. I have no issue with any
of that. Like I said, this fall has been absolutely glorious.
Tons of people asking on the text line are we
going to have more Aurora borealis tonight or did we
miss it?

Speaker 8 (22:49):
No?

Speaker 5 (22:50):
So here's the thing.

Speaker 3 (22:51):
I pulled that up because I figured that was going
to be a question. I'm not going to say no.
I'm not going to say no. Number One. Last night,
the clouds cleared perfectly. Night clouds are going to be
a little more stubborn. I think if you're going to
have a chance, you have to go away from the
base of the foothills and out onto the eastern plains.
And I think you've got to go north to be
able to see it. The viewing line last night was

(23:14):
south of Colorado, almost down to Albuquerque. Tonight that viewing
line is north of.

Speaker 2 (23:19):
Colorado, kind of right on the border.

Speaker 9 (23:21):
Okay.

Speaker 3 (23:21):
So, and the geomagnetic threshold that I talked about, that's
four that we got last night. Some of that lingered
into this morning. As of right now and through the evening,
that's going to drop to a three and a two
and a one. So I think it's kind of slipped away.

Speaker 5 (23:38):
So I think being.

Speaker 3 (23:39):
Forecast, if you will, for that event happened last night,
it's still possible tonight, but at a much much lower intensing.
And I think you do have to go farther north
if you want to try and chase the lights Dave.

Speaker 2 (23:51):
How Another Texter said, does Dave know how long it's
been since the northern lights were visible this far south?

Speaker 3 (23:58):
I don't, but all I can tell you is, again,
it's one of those rare occasions here. I've talked to people.
People were emailing in and saying they've lived here fifty
years and while they've seen them at times, never saw
the brilliant show that they saw last night.

Speaker 2 (24:14):
So I think that tells the story.

Speaker 3 (24:15):
And what's amazing to me, Mandy, was it was not
anything anybody was expecting. It was not like a lunar
eclipse soy eclips where we knew weeks and months in
advance and people were expecting it and we're going outside.
But the vast majority of people who somehow looked out
their window at the right time and went out and photographed.

Speaker 7 (24:36):
It is just amazing to me because it wasn't anything.

Speaker 3 (24:39):
I mean, I would have been in my kitchen at
home if I was off with the blinds down and
never known had we knocked up in.

Speaker 5 (24:44):
The pictures at the station.

Speaker 3 (24:46):
Everything changed right around six to six thirty and the
pictures started coming in. I'm literally outside on the weather
deck going do you think you know, in today's society
with AI and M you got.

Speaker 7 (24:54):
To be careful about pictures and are they rail.

Speaker 3 (24:57):
And tornadoes and all this kind of stuff. So my
first gut instinct was to be, you know, skeptical. No, yeah, see,
it's not going to happen till tomorrow. And then the
picture just kept coming and it's.

Speaker 2 (25:07):
Like, wow, one of my listeners just sent me one
from up Up Up Lake, Mac Lake McConaughey, and it's
absolutely it looks fake. It's stunning. So thanks for nothing,
Dave Fraser for not calling me and let me know
to look out my window. I missed it. Have a
great week, my friend. We'll talk to you next week,

(25:30):
all right, you.

Speaker 3 (25:31):
Guys do enjoy the weekend to head.

Speaker 2 (25:32):
All right, we say save that stay Fraser when we
get back. Going back to our conversation about the fifty
year mortgage, I asked my assistant chat to tell me
how much you would pay in total on a fifty
year mortgage on a three hundred thousand dollars house at
six percent. When you hear the number, you're going to
understand why this is a terrible idea. I want to
go back to the fifty year mortgage thing, because I

(25:54):
cannot stress to you what a bad idea of this is.
And I want to put it in the same campus
this line of thinking, go to college, regardless of what
it costs, it'll be worth it. That's the same kind
of thinking. So I asked my friend an assistant chat Chept.
I said, Chat, what if I bought a three hundred

(26:15):
thousand dollar house at six percent interest? How much would
I spend on that three hundred thousand dollar house over
that fifty year mortgage? Hey, Ron, take a shot. How
much total with principal and interest do you think you're
gonna pay on a three hundred thousand dollars house a
six percent interest over fifty.

Speaker 4 (26:33):
I saw yesterday, but I can't remember. I think it
was in the ballpark. Like we're talking double, like over
six thousand.

Speaker 2 (26:44):
Nine hundred and seven thousand, two hundred dollars total. Oh okay,
so you're gonna pay six hundred interest loan. Yeah. Another
texter pointed out, you know a lot of people have
to use their homes equity in order to buy their
next house. You're not gonna have equity for years of
any significant amount. Yeah, exactly, This texter said Mandy. In

(27:06):
nineteen eighty two, when I was twenty, I worked for
a small upstart in One of the owners was a
retired bank president. He gave me the best financial advice
on buying a house. He said, to pay cash. That
is not realistic in today's mark. Calm down, Dave Ramsey. Yeah,
So in nineteen eighty the median new home price was

(27:28):
about sixty four thousand, six hundred dollars. That equals two
hundred and fifty five thousand in twenty twenty five in Colorado,
the median home price is like four hundred and seventy
five thousand dollars right now, So it's two hundred thousand
dollars more in inflation adjusted dollars than if you were

(27:50):
trying to buy a starter home in nineteen eighty. Now
we can have a conversation about why it costs two
hundred thousand dollars. But go back to what I said before.
Homes are so much nicer now they have massive master
bathrooms and walking closets and all this stuff. I mean
at the entry level home of nineteen eighty is so
much different than the entry level home of today. But nonetheless,

(28:12):
thinking how are you gonna save four hundred and sixty
two thousand dollars. Well, you're also paying rent in Colorado.
I have a lot of sympathy for young people on this.
Have you mentioned yet now at the average ages of
the first time it's been pushed up to forty Yeah,
for first time home buyers.

Speaker 4 (28:29):
I am the one of the very few people I
know anywhere around my age at ONAO of own house.

Speaker 2 (28:36):
Yeah, crazy, Yeah, it's challenging.

Speaker 8 (28:39):
You do you what do yeah?

Speaker 5 (28:40):
Own?

Speaker 8 (28:41):
Yeah?

Speaker 2 (28:41):
Your house? Yeah, but a ron I also want to
point out you guys live far oh and COVID yeah
point eight. Yeah, you guys live far. You made sacrifices
to make that happen.

Speaker 4 (28:51):
I mean, in reality, now what it's becoming coloradoa not
that far compared to exactly kind of everything going on.

Speaker 2 (28:57):
Yeah, but I mean it's it's se I do think
that sometimes young people also have extremely unrealistic expectations of
what their first home should be just unrealistic. And but
the notion that back in nineteen eighty I saved it
back in nineteen so let me do the math for liquid.
Nineteen seventy eight, my parents bought a house in the

(29:18):
nicest neighborhood in the neighborhood for seventy two thousand dollars
at sixteen percent interest. But it was seventy two thousand dollars.
I mean, it was just a different world. We can't
happy the kids today don't have the same opportunities we did.
That's just the facts.

Speaker 1 (29:35):
The Mandy Connell Show is sponsored by Belle and Pollock
Accident and Injury Lawyers.

Speaker 2 (29:40):
No, it's Mandy Connell and.

Speaker 4 (29:46):
KOAM ninety one FM, SA god.

Speaker 10 (29:51):
Way Say and the nicety three by Coronal Keeping your
sad babe.

Speaker 2 (30:01):
Welcome, Welcome, Welcome to the second hour of the show.
And if you, like me, are a child of the eighties,
you remember what I like to think of as the
golden years of Saturday Night Live, and you will remember
the work of my next guest as one of the
perfect deadpan deliverers of the weekend Update. He is appearing
this weekend at Comedy Works. You should go see him.

(30:22):
I am going to go see him. And now he's
going to join us for just a little bit. Kevin Nalin.
Welcome to the show.

Speaker 5 (30:29):
Hi, Mandy, that's my dead pan impression right there.

Speaker 2 (30:33):
Well, Mandy, I mean dead pan is like a little
over the top, but you gave great snark in Weekend Update.
And I loved that period of Saturday Night Live. And
I can't say I am a lover of all the
periods of Saturday Night Live. But you really were part
of a golden era when you look back at that now,
do you see it that way?

Speaker 5 (30:53):
I do see it that way, But like you said,
there's a lot of golden eras I think on that show.
But it was particularly special for me, of course, and
to this day I hear people say that that was
their favorite you know, cast and generation of SML. Well.

Speaker 2 (31:09):
I think part of it was a function of my age,
because I was kind of in the sweet spot of
the demographic for that, and culturally it spoke to me
really really strongly. But also so much talent came out
of those years. I mean, so many people that are
still famous and still doing amazing things came out of
those casts. Tell me the truth, who's your favorite cast

(31:30):
member that you worked with? No one's listening. It's fine,
no one will ever find out the answer.

Speaker 5 (31:36):
It's a tie. I hate to pick, you know people,
I would say Dana Cargan, Adam Sandler.

Speaker 2 (31:41):
Oh yeah, I mean, come on, I mean, they're practically
my favorites and I don't even work with them, so
that's fine. So now, yeah, you're back on the stand
up stage. I know you've been doing stand up the
entire time, but this weekend people are going to be
able to come see you at Comedy Works at the Landmark.
Is the what is the appeal or the difference between
those two things between working with a team and doing
sketch comedy and standing on stage and having that immediate

(32:04):
feedback from the audience.

Speaker 5 (32:06):
Well, that's part of it, is immediate feedback. I'm really
kind of I'm at the top of my game now
because I just got off tour with that I'm Sandler
where we're playing till like, you know, twelve thousand people
fifteen thousand people at night, and that was kind of
a whole different ballgame than you know, the Comedy Works.
And I got to tell you, I prefer a smaller room.

(32:28):
Like my best my most preferable audience as at dinner
party was the need to call people.

Speaker 2 (32:36):
When you can really hold court, right, I mean I.

Speaker 5 (32:38):
Just yeah, yeah, yeah, So what you know, it's a
little disconcerting because I my microphone with me.

Speaker 2 (32:47):
Do we need to make it big? Do we need
to respond like I have fifteen thousand person crowd on
Friday and Saturday night at comedy Works, just so you feel,
you know, like you're at home again.

Speaker 7 (32:58):
No, I prefer not that.

Speaker 5 (32:59):
I would prefer just just a tone that I'm used to,
which is about three hundred.

Speaker 2 (33:04):
I'd say, yeah, it's a great venue. What is your act?
What are you focusing on now? On your at.

Speaker 5 (33:11):
Well, that's a good point.

Speaker 7 (33:12):
I just finished taking a special call loose in the crotch.

Speaker 5 (33:16):
And so I'm trying to shove out the old, the
old storage stuff and bring in new stuff. So it's boy,
it's a confluence of, you know, some of my older
kind of thoughts about things and kind of newer, you know,
in relationship to the stage I'm at in my life now.

(33:37):
I'm always been on the dark side. I kind of
like the dark comedy.

Speaker 7 (33:42):
But it's just conversational sort of and.

Speaker 5 (33:47):
Just kind of my thoughts on things, my opinions on
different things, not political or anything, but just kind of
the life around me.

Speaker 2 (33:54):
Do you feel like as you've gotten older And I'm
fifty six, so I'm kind of at that space where
I realize I look back to my younger self and
I think, God, you were so stupid. And now I
look at I have a better able. I have the
better ability rather to kind of look at the big picture.
Whereas before I was focused on the trees, now I
can see the forest a little better. What do you

(34:14):
think about your your vision, your view of the stuff
you're commenting on, has has it changed and evolved in
a in a similar different way?

Speaker 5 (34:22):
I think I have. I listen to some past tapes
of myself, which is very difficultice. My voice even sounds different.
It's a little a little.

Speaker 7 (34:32):
Bit higher and a little faster paced, you know.

Speaker 5 (34:37):
But I mean it's not like huge changes, but it's
less silly and a little more observant now and still
absurd though I like the absurdity. But I like to
do the stuff that people can relate to as well,
So I'm trying to be inclusive and a lot of
those things.

Speaker 2 (34:56):
Well, somebody just hit my common Spirit health text line
and said Kevinkneeling and he was brilliant, great guest, Mandy,
And that's part of your in weeds. You were the
perfect every man. In my opinion, I think you were
just so perfectly cast because it's a crazy show anyway
about a suburban housewife that grows weed and sells it.
But what was that role like for you and was

(35:19):
it do you view that as more serious or more
comedy or what was that balance there? You know.

Speaker 5 (35:25):
The strangest thing is during the awards season, our show
was always up in the comedy category, and I can
never understand that because it's more drama with a touch
of comedy as well.

Speaker 7 (35:38):
So yeah, that was always interesting to me.

Speaker 5 (35:40):
But my character was basically I got to tell you,
when I auditioned for that part, it was like, hey
wanted me right away because I was like dead on
or what Jenji Cohen, who created the show wanted. But
it's really kind of a self a selfish person who
just wanted to have, uh what he wanted at any moment.

(36:03):
And he was Kevin.

Speaker 2 (36:05):
He was so so likable, that's the thing, you know
what I mean. Like, ultimately, you kind of thought, if
you really analyze the character, you're like, guy's kind of
an a hole, right, I mean, he's heasy, but he
was likable at the same time. And I think being
able to thread that that's kind of a gift.

Speaker 5 (36:20):
Yeah. I mean there's even dictators that are likable.

Speaker 7 (36:23):
I've got some different places.

Speaker 5 (36:26):
Well yeah, I mean everybody's got their everybody's got their
good days and they're bad days. But yeah, he was
likable for his nuances and and those sorts of things.
But I sure did like playing that character. It was
a lot of fun, and people seem to like it now,
And you know, it's funny as people look back on
that show, I seem to be one of the characters

(36:48):
that stands out. You know. It's like, you know, Norm
McDonald was a good friend, of course, and he was
on SNL and a lot of his stuff is surfacing
now that I never really saw before, and I'm thinking, wow,
he's a lot funnier than I thought he was.

Speaker 2 (37:03):
So you weren't in the Norm MacDonald fan club. You
weren't presidenting for him being the funniest man e very
I mean, obviously to your point. I heard something yesterday
from his version of Comedians and Cars with Jerry Seinfeld
where he was sort of talking about the outrage industry
in our country, and it was very prescient, you know,
it was. It was very forward looking that that Now

(37:25):
it's kind of like holy crap. I mean he was
smarter than all of us.

Speaker 6 (37:28):
In a way.

Speaker 5 (37:30):
Yeah. At his memorial, I was one of the speakers
and I said to a lot of a lot of people,
you know, compliment norm as being very brave comedian and
very you know, courageous, And I said, I think of
it more as just you know, what did I say

(37:54):
it was? It was oh, poor judgment. Uh.

Speaker 2 (37:59):
And now he's turning his He's turning out to be right, Kevin.
I got a question for you. We had a guy
on yesterday. He's a neuro psychiatrist who studies like how
to be happy as you age, and one of his
big things is having a bucket list and how important
that can be. And do you have a bucket list?
And if so, what's on it?

Speaker 5 (38:19):
By if I could just find a bucket to push
that list in, I don't think we have a bucket
around the house. Gosh, I'm kind of doing all my
bucket list stuff right now.

Speaker 7 (38:30):
I'm really content with life.

Speaker 5 (38:33):
Travel would be. In fact, just before, when I was
on a hold here, I was listening to the weather
and they're saying that the northern lights of the Aurora
about what do you call it?

Speaker 2 (38:42):
Aurora Borealist.

Speaker 5 (38:45):
Yes, it's happening in Colorado for tonight and tomorrow night,
so I might be able to see it.

Speaker 2 (38:49):
Well, I hope so, because I missed it last night
and last night apparently it was spectacular, but no one
called me to let me know what the weather was
going to be. Kevin Nealin is going to be at
the Landmark Theater this weekend. Comedy Works Excellent, excellent. Go
to Comedyworks dot com and buy your tickets.

Speaker 5 (39:05):
Kevin.

Speaker 2 (39:05):
I'm super excited that you're here in Denver and looking
forward to this weekend.

Speaker 5 (39:10):
Also, yeah, me too, And also like to plug one
on this. My wife and I were executive producers on
a documentary that's coming out on Friday on Apple TV.
It's called Come See Me in the Good Light at
one Sundance Festival this year and all the tons of
festivals were really excited about it, so I hope people can.

Speaker 2 (39:27):
What is it about? What is it about?

Speaker 5 (39:30):
Well, it's about these It's a it's a love story
really about these this couple who actually live in Boulder
around that area there. It's the poet laureate Andrea Gibson
and her and their partner Megan folly, and it's about
kind of their journey and poetry and also her being

(39:52):
diagnosed with a terminal disease and uh and getting to
do her poetry one more time. But it's not it's
not one of those stories about cancer where you know
it's kind of sad. This is surprisingly funny and it'll
change your life, It really will.

Speaker 2 (40:05):
What's the name of that on Apple TV, Kevin.

Speaker 5 (40:08):
It's called come see Me in the Good Light?

Speaker 2 (40:10):
All right, Kevin Nelan. I appreciate you and lots of
success with your documentary. We'll see you this weekend. Thank you,
Thank you, Kevin. Oh that's Kevin Nlan and I because
I'm sorry, guys. So okay, Bell and Pollock are in
right now. We've got Gary and Brad. We've we've got
an extra member of Bell and Pollock that we will

(40:32):
introduce in just a moment. Now, go ahead and grab
that microphone and pull it over to you. I forgot
to tell you guys about the chair situation here at
KOA Radio. You can either have the armless chair and
face certain death but be higher than everybody else, or
you can have the tiny chairs and sit lower. It's
an intimidation factor. I know that it works on you guys,
Gary and Brad, Bell and Pollock, how you guys doing super?

(40:54):
Ready to go? Introduce me to your new friend here.
This is our They announced we've got a new attorney.

Speaker 5 (41:00):
Right.

Speaker 11 (41:00):
His name is Justin Johansen's a new part of Bell
and Pollock. We're really proud and Glad.

Speaker 2 (41:05):
Justin, welcome aboard. Thanks, good to be here. Well, I
don't know if you're gonna love this segment as much
because we have people. This is your opportunity. I call
it ask the attorney, And I love doing this segment
because Gary Brad, how long have you guys collectively been
doing personal injury law? I would say about forty five years?
So brand new? Right, just get me started? Brand New's
a game right collectively? Yeah, collective like ninety years?

Speaker 9 (41:29):
I think more like ninety years.

Speaker 7 (41:31):
Yeah.

Speaker 2 (41:32):
I'm on together here, of course. And what I like
to do is bring these guys on and let you
guys in the listening audience ask questions. Questions. If you've
been hurt, you haven't you know, got anything, or you're
having trouble, now's the time to call and ask, and
Gary and Brad and Justin can answer these questions. Now,
I wanted to ask you guys, last time you were in.

(41:53):
Let me give out the phone number. Three oh three
seven one three eighty five eighty five is the number.
That's three O three seven one three eighty five eighty five.
The last time we were in, I asked you for
the strangest case that you ever had. And since then
I have spoken to one of my father's old attorney
friends and I said, what is the strangest personal injury
case that you ever had in your lifetime? And he

(42:14):
had a case of a guy who had gone cat fishing. Now,
I don't know if you guys have ever been catfishing.
It works like this. You take a long fishing line
and put a bunch of hooks on it. You put
chicken livers or whatever, hot dogs or whatever you're using
his bait, and you just drape that across a busy
area of a river and you let it sit there.
And then you sit by campfire and you drink deer
for an indeterminate amount of time and you run out

(42:35):
of beer and then you go and you pull in
the trot line and you get your catfish, and then
you go home and you have you have catfish for dinner.
So he represented a guy who had pulled a trot
line at the exact same time the neighbor had had
hit some cows that had some kind of kerfuffle. We
don't know what happened to the cows. The cows raced

(42:55):
across the pasture, broke through the wire fence, crashed into
the guy pulling in the catfish trot line. He then
tumbles into the river, wrapping himself in the trot line
that had all these hooks and chicken livers on him,
and basically covered himself with these with these fishing line
And he wanted the farmer to pay for his medical fees,

(43:17):
and I said, well, what happened? He said, We got
into court. The jets started laughing as we were telling
the story. Issued a summary judgment because it was like
seven hundred dollars or some ridiculously low amount like that,
and the farmer had to pay for the guy's injuries
because his cows knocked into him in a fence that
was not sufficient and he had to pay for him.
And he paid like a thousand dollars in damages or

(43:38):
something like that. And I was like, you know what,
I bet Bella and Pollock have never handled a case
like that.

Speaker 12 (43:43):
You know, I remember doing some cases years and years
ago about people who had their cows get out on
the road. Yeah, and it caused an accident, and they're
responsible for the cows getting out.

Speaker 9 (43:56):
On the road.

Speaker 2 (43:57):
Well, and that was the argument that they were making.
Three seven one, three eighty five, eighty five is the
number to call if you have a question for bell
and Pollock. Would you like to join us in this
how I've never asked you, guys, why did you want
to be an attorney? Well, I've always wanted to be attorneyman.

Speaker 11 (44:13):
At our young age, I read booked attorney books like
Anatomy of a Murder and you know, to Kill a
mocking Bird.

Speaker 2 (44:18):
So that was that was it rock and roll there
you go go.

Speaker 12 (44:23):
So yeah, since fifth grade I wanted to be an attorney. Really,
what makes you want to be an attorney because you
got to argue? Oh gosh, yeah, that was the funnest
part of life was to argue with people. In my mind,
and you've made a good living arguing with people.

Speaker 9 (44:38):
I've made a career at arguing with people.

Speaker 2 (44:40):
When I was a kid, my father, also an attorney,
used to tell us, like teach us to advocate for ourselves.
And as we got a little older, he said, I
believe I have taught you too.

Speaker 5 (44:48):
Well.

Speaker 2 (44:51):
Why did you want to be an attorney?

Speaker 13 (44:53):
It came down to either a pilot, I want to
go to Colorado Springs Air Force Academy.

Speaker 2 (44:59):
But somehow the fear of flying changed that decision.

Speaker 13 (45:02):
Yeah, And when I was in sixth grade, for whatever reason,
my teacher named me the judge. He had a nickname
for everybody. Why he picked that, And I thought, oh,
I'll be a judge. And I went to law school
to be a judge. And then I got out and
I'm like, I don't want to be a judge. They
really don't have a lot of power. The number one
most powerful person in the courtroom in terms of criminal

(45:25):
was a prosecutor, because with the flick of a pen,
the prosecutor, not.

Speaker 2 (45:29):
The judge, can dismiss a case. I'm like, I want
that power. So I did prosecution for about three or
four years and like, oh, yeah, I don't like this.

Speaker 7 (45:39):
Yeah.

Speaker 2 (45:40):
Well, I mean that's the thing about being a lawyer.
There's so many different avenues that you can pursue. You know,
I have a friend who wanted to be in personal
injury and now is one of the number one copyright
and patent. Can you think of anything more boring than
copyright and patent? Yeah, I've got to, but I can't
think of any more boring.

Speaker 6 (45:59):
But he does.

Speaker 2 (46:00):
It's like it doing patent work is like nerds on steroids.

Speaker 5 (46:05):
Yeah.

Speaker 13 (46:07):
So I have a double electrical engineering degree, and so
you're real slouch, thankfully, right. I always say I'm a
family lawyer, but I don't practice family law because everyone
in my family has a legal question.

Speaker 2 (46:19):
Or needs help.

Speaker 13 (46:20):
Well, I mean and yeah, and my partner's wife ex
wife got sick from mold exposure and that got us
into the whole world of litigation and mold litigation personal injury.

Speaker 2 (46:32):
So we flipped ip intellectual property to PI.

Speaker 5 (46:36):
Nice. I like that, So we do.

Speaker 2 (46:37):
We got the p's in the eyes. Let's see three
O three seven one, three eighty five eighty five is
the number. If you have a question for the lawyers,
now's the time to ask it. Pat In Littleton, you're
on with Belle and Pollock. What is your question?

Speaker 14 (46:51):
Wonderful? Thank you to hey. Quick question about a car
injury or a car accident where the other person that
hit us, we found guilty and we settled the.

Speaker 7 (47:07):
Value of the car.

Speaker 14 (47:08):
We're working through the injury component of it. But the
question I have is can you recuperate the cost of
interest by comparison to winning the car was first financed,
which was around five percent in the cost of interest
later that you had to do to replace the car,
which was a run around twelve percent. So that's a
big difference when you look at the value of a

(47:29):
fifty thousand.

Speaker 2 (47:30):
Dollars car, Well, it is a big difference. And we
get this question a lot.

Speaker 11 (47:33):
We also get it with regard to reduce value of
the car after it's been in an accident, car max
and all that kind of stuff. And so it's about
a fifteen minute, pretty complicated discussion because of the results
around revolves around a couple of legal doctrines called racehoo
to co and collateral stopple.

Speaker 2 (47:50):
But what it means in English, what it means is
if you don't want to.

Speaker 11 (47:54):
Get payment for the car, now you can include the
car the property damage is part of your injury case. Okay,
but nobody wants to do that because they want to
get their car fixed. So you really have no leverage
to sue them on your car, and they know that
because of these doctrines, so they try to beat you
up and beat.

Speaker 2 (48:12):
You down and they usually don't pay, so you can
basically you're what you're saying. I want to make sure
I understand what you just said. So you're saying that
as part of your injury claim, you could roll a
cash amount into that injury claim that would then cover
that difference, only you cover it under the injury claim
instead of saying.

Speaker 9 (48:29):
It's for the car.

Speaker 11 (48:30):
That's right, man, If you don't settle the property claim
to begin with, you settle the property claim, it's all
over with. Okay, you don't get interest, you don't get
the difference, you don't get the reduced value, you don't
get anything.

Speaker 2 (48:39):
But you cannot settle and wait.

Speaker 11 (48:42):
But nobody wants to do that, right, and then you
can wait and include it as part of your injury claim.

Speaker 14 (48:48):
I see, thank you very much.

Speaker 2 (48:49):
Did you already settle? You already settled the property claim?

Speaker 14 (48:52):
Yeah, the property claim has been settled, it's the injury
part of it that hasn't. So I guess I was
so if I'm hearing that correctly, since the property claim
has been settled and we don't have any opportunity to
go back and get the difference of the interest of
the cost of Basically it's the cost of money.

Speaker 2 (49:07):
Yeah right.

Speaker 12 (49:09):
And you know, I'll just tell you a lot of
times I tell clients because you're talking about an amount
that's not worth it to pay the lawyer to go
after the interest. It's significant to you, but when you
compare that to attorney's fees, it doesn't work. But you know,
I tell my clients quite often ninety percent when Gary

(49:29):
and justin eighty ninety percent.

Speaker 9 (49:31):
Of the case is settle at some point.

Speaker 12 (49:33):
And you know, when I do my bottom line dollar amount,
I'll roll the interest into it. As far as just saying, okay,
my personal injury case, instead of being worth fifty thousand dollars,
is now worth fifty.

Speaker 9 (49:46):
One thousand dollars, and I'll roll that in and make them.

Speaker 12 (49:49):
Give that to me in the settlement based on the
value of the personal injury case and recoup it that way.
So as you're doing your personal injury case, just keep
in mind I lost money on the interests on the interest,
and see if you.

Speaker 9 (50:01):
Can't get it rolled in a few extra bucks.

Speaker 2 (50:03):
Exactly all right, Thanks Pat. Guys hanging here for just
a second. We've got people lining up on the phone.
If you have a question for Gary and Brad and Justin,
call three O three seven one three eighty five eighty five.
We'll get more of those. But I have a question
for you guys when we get back. I've always wondered
how do you settle on the first number that you
go in? Because I know how I've been in mediations.
I know how they work. The lawyers come in and

(50:24):
say we want X amount of dollars. I want to
know where you get that X amount of dollars. I'm
just curious. We'll do that after this. Keep it on KOA.
I just want to know this text message. Guys. These
Bell and Pollock guys are great. They should have their
own show on KOA. Maybe run it on Saturday mornings.
They could call it the Bell and Pollock did you
get Hurt?

Speaker 5 (50:41):
Show? Thank you for that.

Speaker 2 (50:46):
Let me go to the phones here we got an Aurora.
What you got for Bell and Pollock?

Speaker 15 (50:52):
Hey, guys, I just had a question about insurance. I
have two older cars that are over ten years old,
and I dropped the collision kept the liability, and I
was wondering that by exposing myself poorly, if I've been
an accident that someone else's fault.

Speaker 11 (51:08):
Okay, So if you're in an accident of somebody else's fault,
their liability insurance is going to pay you. But sometimes
they don't have enough. Sometimes they don't have any insurance.
And so what you need to do you can set
the collision aside. You can make sure you have liability
and make sure you have you I am under insured

(51:30):
motorist coverage. Make sure you have that covered because if
they have no insurance, that's where you go. And if
they don't have enough insurance, that's where you go.

Speaker 12 (51:39):
Well, hold on to your medpay too. If you've got
make sure you get medpay on the policy. It's mandatory
for five thousand unless you wave it. Don't wave it.
It doesn't hurt to get a little bit extra. And
I know everybody's going to say. Your insurance agent is
going to say, well you have health insurance. Well there's
deductibles and copays. Hold on too that medpay because it
can help you with RECPT back to the the deductibles

(52:01):
in the copse. But as far as dropping the cars
and the liability. You know where your biggest danger is
if you cause the accident, you can't get to get
them to fix your car. But if the other side
caused the accident, they should have a liability coverage for
your car, so they're going to cover.

Speaker 2 (52:19):
I just pulled this up while we're talking about this
and estimated seventeen point five percent of Colorado drivers are uninsured.
If you are driving around without uninsured motorists coverage right now,
there is a one in five chance. I mean, obviously
the statistics don't work that way, but that's really kind.
That's crazy high. That's exactly right. But Maddy, I got

(52:40):
to tell you we have a story about that. We
say on our on our show.

Speaker 11 (52:43):
Okay, yep, and as you're in a jungle with your family,
your two little kids, right, and you come across this
canyon with an old rickety bridge and there's an attendant
there and the attendance and you say there's a safe
to cross, and the attendant says there's one and five
chance it will fall down, and one of five chants
you get in your car. Nobody has insurance. So you
get the picture.

Speaker 2 (53:02):
Now, yeah, yeah, and now I mean, I'm seeing we
have a story on the blog today about more people
are delinquent on their car loans, and we all have
seen the cars driving around with no tags and those
people are not licensed, and it's just it is a
terrible time to get into a car accident in Colorado.
It is a crapshoot. It's higher than the national average,
by the way, the national average is fourteen point five percent.

Speaker 12 (53:23):
And you can head your bet against a lot of
that just by having your UIM coverage, your medpay coverage,
having those in place, because that way, I don't care
what kind of insurance Gary has on it on the car.
I care about my insurance and I know I've got
myself protected and it's not that much more expensive, you know,
make your agent tell you the differences in the amount
and then realize it's worth it's worth it to get

(53:45):
the extra insurance.

Speaker 9 (53:46):
So get it. Keep yourself protected.

Speaker 2 (53:48):
Got a question, This is an interesting question from the
Common Spirit Health text line. You can call three oh
three seven one three eighty five eighty five. Mandy question
for Bill and Pollock regarding rideshare drivers. If a no
fall accident occurs with or without an active passenger in
the vehicle. That determines if the commercial insurance from the
ride share company pays versus the private insurance of the

(54:11):
ride share driver. Either way, repairs could take weeks or
even months with some body shop the driver can't make
an income. Is there anything in the law to support
ride share or insurance companies to replace the driver's income
while the vehicle is being repaired? Okay, so Transportation network statute.

Speaker 11 (54:30):
So the answer is no, there, but you need to
get your own private insurance that covers that your loss
of income.

Speaker 2 (54:37):
Okay, what kind of insurance even is that?

Speaker 11 (54:39):
I mean, it's going to be it's gonna be car insurance,
but it's going to have a special rider and somes
some companies don't ride it. And you're going to do
not lie, tell them you're in the right share business,
because they.

Speaker 2 (54:51):
Won't pay you anything, right, and they will absolutely find out. Yes, correct.
Just anybody who thinks they're gonna get cute by insurance
and not telling the truth is just stupid. I had
a customer when I sold life insurance that had terminal
lung cancer and lied on the application and it was
shocked when they turned him down. And I'm like what

(55:13):
he didn't tell me. They're going to find out.

Speaker 12 (55:14):
Well, just take the premiums that you're paying him, throw
them away rather than giving insurance company because they're going
to find out and you're not. You've wasted your money
giving him premium. So it's just a waste because you're
not really getting coverage.

Speaker 5 (55:27):
Right.

Speaker 2 (55:27):
All right, let's go to John and Bailey. Hi John,
you're on with Bell and Pollock.

Speaker 4 (55:33):
Thank you, ma'am.

Speaker 3 (55:34):
I have a quick question. I hted deer made.

Speaker 15 (55:37):
My cause and the insurance company they.

Speaker 5 (55:45):
Cause it was minor damage.

Speaker 3 (55:48):
What you guys said, yes, I do.

Speaker 5 (55:50):
Next step, Well, you.

Speaker 2 (55:52):
Dropped out on your phone, so you hit a deer
and the insurance company said, what.

Speaker 1 (55:57):
The cost?

Speaker 2 (56:00):
Well, I mean sometimes that does happen. Total the car.
But do you have collision insurance on your car?

Speaker 15 (56:07):
Yes, sir, I have to coach.

Speaker 11 (56:10):
Okay, well, then they total the car. So now you're
going to get into a friendly not so friendly argument
of what the value of the car is. Uh, And
so you need to get your blocks lined up. Is
to prove the value of the car the highest value
that you can get. And and you know, blue book,
my internet doesn't matter Kelly's Blue Book. Not it doesn't matter.
You'd be able to prove the value of the car

(56:31):
because they're going to try to low ball you, and
you want to have your your proof where it's worth
X dollars instead of their low low amount.

Speaker 2 (56:39):
So no, you said that you think the damage is
pretty minor, Like you can drive.

Speaker 5 (56:42):
The car now? Yes?

Speaker 2 (56:45):
Can you buy the car back from the insurance company? Sure?

Speaker 9 (56:48):
Yeah, does that work.

Speaker 12 (56:49):
You'll get what's called the salvage value title, and that
decreases the value of your car when you go to
trade it in or resell it. But if you plan
on keeping the car for a long time, you know
that salvage title doesn't matter at all. I've known people
who go to certain places around town where the cars
that are are are totaled, get fixed, and they get

(57:11):
a salvage title, and they're driving around really nice cars
that have been all repaired look great. And what doesn't
matter what kind of title you got if you're exactly
exactly and so you can.

Speaker 9 (57:23):
You can negotiate with them.

Speaker 5 (57:24):
Now.

Speaker 9 (57:24):
One of the things you need to do is get
on the internet.

Speaker 12 (57:27):
And check out all the cars in your valve of
your type with a similar mileage with a similar upkeep,
with similar all the similar add ons that are on
a car, and so you can start determining the value
of your car because you want to fight the value
of your car, and Kelly Bluebook and Nada and all

(57:49):
the different sources really don't tell you the value of
your car for your locality, and that's what insurance companies use.

Speaker 9 (57:56):
They use your locality.

Speaker 2 (57:57):
Okay, so John, you got a little work today. Does
that help?

Speaker 7 (58:00):
Yes?

Speaker 2 (58:01):
All right, thank you John. Here's some interesting follow up
questions about uninsured motorists courage. Mandy, could you ask, if
I have full coverage, why do I need uninsured motorists coverage?
Won't my full coverage cover.

Speaker 11 (58:13):
It depends what quote full coverage means. And I mean,
we'd be glad to talk to him on the phone,
but full coverage doesn't usually mean under insured motorists coverage.
Full coverage, you know, you're protecting yourself if you cause
an accident and that sort of thing.

Speaker 2 (58:29):
So that's why you need you.

Speaker 11 (58:31):
I am if the other person, and we just talked
about it, has no insurance. If that fall person to
hit you has no assurance, you're going to go to
your UIM and if you.

Speaker 2 (58:39):
Don't have UI, am you have nowhere to go?

Speaker 11 (58:41):
And if they have not enough insurance they say twenty
five grand and your medical bills are one hundred and twenty,
then you go to your UIM.

Speaker 2 (58:48):
So that's where you go. Okay, discovers what their company,
because it doesn't exist, isn't cover it. Yes, Okay, let's
do a quick time out when we get back. We've
got a little old lady falling on a sidewalk in
the home owner wants to know am I in trouble?
We'll do that next with Ellenbolic. A lot of you
were asking questions about uninsured motors coverage Umbrella insurance, which

(59:09):
is fantastic if you have a liability policy. But Gary
and Brown are here to help you after you screw up,
not before you screw up. So call your insurance agent
and ask all of these questions that you're sending to me.
But I think this next question from the Common Spirit
Health text line is a good one. My elderly neighbor
fell on the sidewalk in front of my house. Is
there any liability on my part? She just fell, no snow,

(59:31):
et cetera. But I want to ask an adjacent question
to that. If people do not clear snow from their
sidewalks and I slip and bust my kazoo, are they liable? Okay?

Speaker 11 (59:42):
So the first one, if no snow, no eyes, just
walking down. If there's no dangerous condition on your sidewalk
like a raised lip, like a big crack, like a
big hole, it's in good shape or it's in good shape,
So then I don't see any any liability for the homeowner.

Speaker 2 (59:58):
Yeah, it has to be a danger condition.

Speaker 12 (01:00:00):
Go take photos of your sidewalk right now, right now
where they fail, so you have a nice evidence about
the sidewalk being nice and calm, because you're gonna think
everything's fine until you get home one night and you
find out one of those cracks is raised, right because
all of a sudden there was ground movement the day
while you were at.

Speaker 2 (01:00:18):
Work, right right now? What about my question? If somebody
doesn't shovel their walk and I bust my.

Speaker 11 (01:00:22):
Kazoo, okay, because there's some Yeah, and so you're good.
They're gonna be liable because they're supposed to. They're required to.
They're required you by ordinances or required you by you know.
Douglas Caunyon whatever, wherever you live, there's ordinances that you
got to get it clean. You have to have a
reasonable opportunity time, you know, to clean it off, but
you have to do it. And if it's if it's where,
if it's dangerous and it's not cleaned off, it's not treated,

(01:00:45):
it's not maintained, then there's gonna be liability periods.

Speaker 2 (01:00:47):
I have run into that situation, I mean significantly where
just because my cat like reflexes. I didn't hurt myself,
but it could have gone much differently. And I wanted
to knock on the doors of these because their houses
are nice to the mind. Guys, I'm just saying, Okay,
so I'm not saying I would fall, but I'm just saying,
Steven Parker, you're on mc gary and Brad. We got

(01:01:09):
a couple of minutes left.

Speaker 8 (01:01:11):
Hey, Mandy, thanks for doing this. This is great. I've
got a quick question. I have a current claim that
I just filed with my auto insurance. My car had
some damage out at the IA parking lot and I
think it's vandalism. The estimator thinks it's vandalism, and the
insurance is coming back saying no, that's collision. And the
difference is my deductible is twice as much for collision

(01:01:34):
than what they call other than the collision, which is vandalism.

Speaker 2 (01:01:38):
Why do you think it's vandalism.

Speaker 8 (01:01:41):
Because the tail light is smashed out and there was
plastic on the ground from the tail light, and.

Speaker 7 (01:01:46):
There's really no other bodily damage.

Speaker 8 (01:01:48):
There's a small little dent next to the tail light,
which they're saying that's where somebody backed into it. But
I mean it's I think it's it's very ten points damage,
and the estimator agrees with me. So I'm in this
back and forth with the insurance right now and which
one it is which does affect my deductible greatly twice

(01:02:10):
the amount?

Speaker 11 (01:02:11):
I'll tell you what you do, You ask them in
writing an email, whatever. You ask them, what's their proof?
It's it's what they call it. What is your proof,
mister or missus insurance company? What facts revenence do you
have or is this just a guess so that you
get a higher deductible from me? Ask them perfect and

(01:02:32):
tell them reference to me the part of the policy,
and tell me your evidence and give me your file.

Speaker 2 (01:02:37):
If you have pictures, give them to me.

Speaker 11 (01:02:38):
If you took a statement of somebody give it to
me or are you just guessing from the seat of
your pants?

Speaker 7 (01:02:44):
Right?

Speaker 2 (01:02:44):
And if they are, then your I like your chances
on this one.

Speaker 3 (01:02:48):
Okay, all right, so do me a favorite.

Speaker 2 (01:02:50):
I need you to send me an email after you
do that. I want to know how this turns out.
Absolutely man, Thank you if anything, If you need anything,
And I always say I hope my listeners never need
to call Bell and Pollock because that means you have
been hurt by someone else. It's not your fault, but
you have all the repercussions, and you've got to call
and get your free legal game plan. Like our text

(01:03:11):
to earlier texted in you already had his free legal
game plan. You got to call in and get that. Guys,
thanks for coming in. We'll see you again next month.

Speaker 9 (01:03:18):
It's our pleasure.

Speaker 2 (01:03:19):
Three or three seven nine hundred is their number or
Champions of the People dot com. Wait, we'll be right back.

Speaker 1 (01:03:27):
The Mandy Connell Show is sponsored by Bell and Pollock
Accident and injury Lawyers.

Speaker 2 (01:03:32):
No, it's Mandy Connell on KOLA.

Speaker 1 (01:03:40):
Ninety one f M.

Speaker 10 (01:03:41):
Stay the Nicey's three many Connelly, You real sad thing.

Speaker 2 (01:03:53):
Welcome, Welcome, Welcome to the third hour of the show.
I'm your host, Mandy Connall. That guy over there, Anthony
Rodriguez and Mandy, thank you so much for responding to
my question. You're the best. Over the last couple of years,
I've taken several pictures and recorded the phone conversations I've
had with the neighbor. Oh, this is guy. I thought
it was a different texture. I was responding to a

(01:04:14):
lot of you were asking about the homeowner's responsibility for
a sidewalk, and in the state of Colorado, maintenance responsibility
for sidewalks generally falls to the adjacent property owner, but
city codes are different. In Arvada, municipal code makes clear

(01:04:36):
that the property owner must maintain the curb, gutter, and
sidewalk adjacent to their property. So if your sidewalks are
in bad shape, you need to be figuring out how
to take care of that.

Speaker 5 (01:04:46):
Now.

Speaker 2 (01:04:46):
Hey, Ron and I have a big announcement. Ladies and germs.
It is time again this Friday afternoon. What what time
are we doing this?

Speaker 8 (01:04:55):
To two?

Speaker 2 (01:04:57):
Makes sure you're available. You gotta be free. Yeah, we
are having another carnament.

Speaker 5 (01:05:04):
Day.

Speaker 2 (01:05:08):
What are you gonna do? Well? A lot of you
think I can beat Mandy it of the day because
when you're driving in your car, it's very easy, right,
you know the answers well before me. But it's a
whole different ballgame when it gets into the studio. And
not only are we going to allow five you heard me,
five people put in their name to come and participate
in Tournament of the Day on Friday afternoon at you thirty,

(01:05:32):
we have secured an amazing prize.

Speaker 5 (01:05:36):
What is it?

Speaker 2 (01:05:36):
You'll have to find out. Amazing. It is amazing, amazing.
I mean it's not like a new car amazing. I
need to manage expectations. But it's a very cool prize,
extremely cool. Like I totally Errod. I didn't want to
tell you guys what the prize was because I want
to have people who really want to play out the day.

Speaker 9 (01:05:54):
But oh my god, the price is so good.

Speaker 2 (01:05:57):
I'm just saying, anyway, how do they enter a Rod?
How do the new contest to be in Tournament of
the Day? Very easy?

Speaker 4 (01:06:06):
First off, you have until literally twenty four hours from
now two pm tomorrow to enter this way. Whether you
want to talk trash, whether you want to say how
loyal of a Mandy listener you are and why how
long you've been listening all the above? Send it in
an email with the subject line of the day.

Speaker 2 (01:06:24):
Must be of the day. That's what we're going to
sort the emails. We will not see your email if
the subject line is not of the day.

Speaker 4 (01:06:30):
Email me yours truly a ROD at iHeartMedia dot com
a R O D at iHeartMedia dot com before two
pm Thursday. We will then choose our five favorites. Twenty
four hours from now, I'll contact you personally and give
you all the instructions to come in studio on Friday
to compete against Mandy and of the day.

Speaker 2 (01:06:49):
I just have one point to make talk trash. People
are going to talk trash about us, and we're gonna
pick them.

Speaker 5 (01:06:54):
No.

Speaker 4 (01:06:54):
Oh, no like talk trash. Why they think they can
beat you and of the day?

Speaker 2 (01:06:57):
Oh that is except yeah, if they just say, Mandy,
if you're just running smack, running smack, not not talk
well talking trash creative, I got you. All all bets
are off.

Speaker 4 (01:07:10):
Whatever you think will get me to read your email
and say that person needs to play against Mandy upright,
write it in your email.

Speaker 2 (01:07:16):
To see a little sass a little personality.

Speaker 4 (01:07:18):
Yes, you know, subject line of the day in your
email a rod at iHeartMedia dot com.

Speaker 5 (01:07:24):
Go do it now.

Speaker 2 (01:07:25):
It's all happening in this Friday.

Speaker 4 (01:07:26):
And the prize at the very least, even if you
don't win the prize, if you're five, you get to
come in studio maybe for half an hour, compete against Mandy,
maybe beater, maybe win a grand prize.

Speaker 2 (01:07:35):
Maybe I'll make some cookies, sure you know snacks. I mean,
I'm I try to be a good hostess. I want
to talk about this story very, very quickly. I just
want to do a glancing blow. Last night, the Douglas
County School Board was meeting and there was a lot
that they put on that last agenda, including a move
to sort of codify charter school status in Douglas County

(01:07:58):
for the next ten years. And they're doing it because
the Conservatives have lost the school board in Douglas County
and now it is inhabited by people who tend to
be very friendly to the teachers' union, who tend to
be progressive, and they are almost all teachers or somehow
connected like that. And yesterday I tweeted about it at

(01:08:21):
the Douglas County school Board and said, please don't do this,
even though I agree with the sentiment that I love
charter schools in Douglas County and they serve so many
families so beautifully, and I believe they should be a
part of the fabric of Douglas County schools permanently going forward,
as long as they're performing at a high level. I
agree with the sentiment. But what I disagree with is

(01:08:41):
an outgoing elected body of any kind trying to tie
the hands of the next board. Douglas County voters voted
for a new board. They voted for a new direction,
and after fighting so hard since we moved here thirteen
years ago, because my daughter is a product or is

(01:09:01):
in Douglas County schools, I'm gonna be honest. My daughter's
a junior now, she's got one more year. I'm tired
of fighting. New generation of parents can take care of
it what happens in the Douglas County schools. I mean,
I don't know what else to tell you, but nonetheless,
I do not think that this board, outgoing should have
tried to tie the hands. And they did not, And

(01:09:22):
that was all the point I wanted to make they
also did not pass a policy about boys in girls' sports.
So Douglas County, you know, girl dads and girl moms,
you have that to look forward to at some point
in the near future. Maybe I don't know, but I'm
glad that they just went gracefully into the night, even
though I'm going to be sad to see them all go.

(01:09:43):
I think they did a great job, as evidenced by
the student achievement in Douglas County the teacher satisfaction in
Douglas County. So we'll see what this new board is
up to. But frankly, I'm just tired of it. I'm
tired of fighting. I'm tired of fighting the union who
never gets tired of fighting. That's the reality, and this
is why the Union will always win because everybody gets
tired of fighting. Now, ay Rod, should we talk about

(01:10:04):
I have three things to talk about right now? Should
we talk about Colorado's favorite side dish at Thanksgiving? Or
the fact that an ai quote band is number one
on the country chart right now? Should we talk about that?
Or should we talk about how the Broncos Chiefs game

(01:10:25):
is gonna be Flippin' lit on Sunday? Because CBS is
bringing their NFL pregame just like college game Day, to
broadcast outside the stadium. It is gonna be fantastic.

Speaker 4 (01:10:37):
The side dish thing will make me mad. I hate
country music. Let's talk about the last thing.

Speaker 2 (01:10:41):
Well, why would the side dish thing make you mad?
Side dish? Scaloped potatoes? People always have that. I love
scalop potatoes. I'm with you on that, but my husband
does not care for scaloped potatoes.

Speaker 4 (01:10:53):
Yeah I do, right, I will say nine scale potatoes
I've had are men?

Speaker 2 (01:10:58):
Well, ninety four percent of scalop potatoes come out of
a box with rehydrated potatoes not done right. That's the problem. Yeah,
that's the problem. Now, if you're planning on going to
the Broncos Chiefs game on Sunday, I expect you people
to show them what Bronco fan is all about. We'll
get into that after this. Keep it on koa, Bronco fans.
I need you to turn up on Sunday like you

(01:11:22):
are there to send a message, and you are sending
a message. You are one hundred percent sending a message,
and that message is Bronco fans are better than any
other fans. If you've ever seen college game Day. You
know all of those college students are nuts. They get
out there at six o'clock in the morning so they
can hold up their signs, their giant heads for college
game Day. Well, they're bringing that here. The CBS show

(01:11:43):
the NFL today is going to be outside in power
Field at Mile High. The set will be erected outside
the stadium at the south end and fans are welcome
to gather around it to show their enthusiasm. Now, the
reason college game Day works so well is because college
students are insane, right, They're absolutely nuts. They're crazy for

(01:12:05):
their favorite team. Now, I know we have you people here.
I know we have Broncos fans that fit into that category,
and I need you all out there to show them
what Denver Bronco fans are all about. Anyway, a couple
of questions about the Douglas County school Board thing. Somebody said,
wait a minute, isn't it already illegal for boys to
be in girls' sports? Nope, and then they text it again.

(01:12:28):
I thought Title nine prevented that. That is totes adorbs.
The issue is that as soon as a boy to
clear someself a girl, then everyone is supposed to say, oh, gosh,
you're a girl now, even though he has a beard
and a you know, a penis, and we're all supposed
to go, oh, you're a girl now because you say
you're a girl. Oh you put on earrings. Oh gosh,

(01:12:49):
look at you girl, Look at you girlfriend. And we're
supposed to let them just into women's spaces, locker rooms,
share rooms, compete against girls. We're just supposed to go
with it. And I just I can't anymore. But it
is not illegal. Chassa has determined that if a boy
decides he's a girl, he can play in girls' sports
in Colorado. So there you go. That is the thing, Mandy.

(01:13:11):
I'm headed to the People's Republic of Boulder. Why to
celebrate the life of a great man, Frank Day. He
owned dozens of restaurants and hotels, A true entrepreneur and businessman,
Old Chicago, Denver, chop House, Woodies, wood fired pizzas. Would
love it if you could share the love. Oh my gosh,
I love Woodies. Are you talking about a golden yes?

(01:13:32):
Love Woodi's pizza. Well, rip, sir, you sound like a gentleman.
I would have enjoyed knowing now I ride. We got
to talk about the country song because it's amazing. It's
so good, so so so good. If you like country music,
here is the number one song. Can I have my audio, please, sir?
The number one song on the country charts right now

(01:13:54):
by breaking rust called walk my Walk.

Speaker 5 (01:14:04):
And beat down.

Speaker 9 (01:14:06):
But I don't steal over.

Speaker 2 (01:14:10):
Got mud on my jeans, Still ready to go.

Speaker 6 (01:14:15):
Every scars of story that I survived, that I've been
through hell, but I'm still alive. I've just slow down, boy,
don't go too fast. But I ain't never been one
to live in the past. I keep moving forward, never
looking back. With the worn out at in the six

(01:14:36):
string string. You can kick rocks if.

Speaker 2 (01:14:41):
You don't lie how I talk. I'm gonna keep on
talking and walk my walk.

Speaker 6 (01:14:46):
Ain't changing my tone, ain't changing my song.

Speaker 3 (01:14:50):
I was born this way.

Speaker 6 (01:14:51):
Being allowed too long you gain my style. You can
roll your eyes, but I ain't slowing down. I was
born to rise. I don't like how I told.

Speaker 2 (01:15:03):
I'm gonna keep.

Speaker 8 (01:15:07):
Now.

Speaker 2 (01:15:07):
It goes on from there. But I mean, if you
just hear the lyrics, if that was an Ai singing
about being an Ai who didn't care that you were
a that it was Ai. That song is uh number
one of the country charts right now, and it's by
a band that is apparently the creation of an AI company.
Can you tell? I can't tell. I mean good gravy

(01:15:31):
now what I love. I really liked the song. I
wish a real person would record it. And for the
person who said, why are you using the AI themes,
I'm like, look, guys, I'm open about the fact that
my theme song is AI. I am open about it.
It was made by a listener using AI. He wrote
the lyrics and had AI sing it. So I mean,
but the problem with this is is that the the

(01:15:53):
the quote band, they're not really being that forthcoming about it,
and I think a lot of people will be surpris
to found out that this is not a human being.
I know I was, but I still like the song.
A rod I already got a text message from the
wine Yogi and when she comes in for her Christmas show,
she's going to bring you some delicious scalloped potatoes when
you're coming, uh probably mid December, okay, yeah, so we'll

(01:16:17):
make sure that you're you're there and ready to go,
and she's prett them just for you. Very high.

Speaker 9 (01:16:22):
Well, the best.

Speaker 2 (01:16:24):
Well, I will tell you I've never had anything that
the wine Yogi made that isn't among the best of
whatever it is ever made.

Speaker 4 (01:16:30):
That my bar is not higher for anything other than
scalp potatoes. Really yeah, very very interesting.

Speaker 2 (01:16:36):
Last night I asked Chuck what he wanted for Veterans Day.
I make him a special dinner for Veterans Day, and
he said, I don't know. I want something that we
don't have a lot, but it feels kind of decadent.
And I said, did you ask me no chicken? And
I made homemade chicken and dumplings, and I made a
different dumpling recipe that I've ever made before, and a
rod They were like little pillows of dough that were

(01:16:58):
so delicious, and I was like, Initially, I was like, well,
I'm just going to pick the chicken out and not
eat the dumplings, you know, because I don't eat a
lot of bread. I eat the dumplings. They were so good,
so good. Anyway, I've got a story on the blog
that I think is one of those stories that I
wish I was shocked at, but I'm clearly not. There's

(01:17:21):
a new study out and it's out of the UK,
and they have discovered in asking children questions about exposure
to pornography, that some children are being disposed to pornography
as early as six as in six years old, and
you know how they're seeing it. They're not seeking it out.

(01:17:44):
They're seeing it because their parents are letting them use
social media and it pops up. First of all, don't
give your six year old your phone. Don't give your
six year old a phone, don't give your six year
old a tablet unless you you have clearly controlled what
it is they're going to watch on that phone or tablet.

(01:18:05):
And it's not just that they're being exposed, and not
just that you know, six year olds are being exposed,
but young kids. The average age of exposure is like
twelve for girls, thirteen for boys. It's the kind of
pornography they're being exposed to that is creating a permanent
issue for some of these kids. The near constant exposure
to porn is creating what is called rape culture in

(01:18:28):
real time.

Speaker 5 (01:18:29):
Listen to this.

Speaker 2 (01:18:30):
The majority of respondents who had seen pornography reported seeing
depictions of acts that are illegal under existing pornography laws
or will soon become illegal under the crime and Policing
Bill when it becomes law. This is in the UK,
so I have no idea what they're talking about. Fifty
eight percent of respondents had seen porn depicting strangulation before
they turned eighteen. Forty four reported seeing a depiction of rape,

(01:18:54):
specifically sex while someone was asleep. Forty four percent of
respondents with the statement girls may say no at first,
but they could be persuaded to have sex. Children who
had seen pornography were more likely to agree with this
statement than those who had not. Girls were more likely
to agree with this statement than boys were. Children were

(01:19:15):
more likely reporting seeing pornography depicting women receiving sexually violent
acts than they were seeing men receiving sexually violent acts.
And what this does is normalize this for young especially
young boys. And don't get me wrong, guys, I am
not in any way judging how anybody gets their freak on.

(01:19:38):
I truly am not. But having a relationship with a trusted,
you know, partner, where you engage in things that are
edgy or or you know, involved things that are that
are a little more outside what used to be the
norm is perfectly fine in that situation. But what we're
doing is we're teaching boys that that is what sex
is supposed to be, and we're teaching girls that that

(01:20:00):
is what sex is supposed to be. And it's not
right for everybody. And what's missing important has always been missing.
Important is any sort of you know, focus on the
emotional aspect of having sex and the positive aspects of
a strong sexual relationship. So kids are getting this distorted
view of what sex is, and it's terrible. I mean,

(01:20:24):
it's absolutely terrible. Social media companies are a big part
of the problem. Children had high rates of pornography exposure
Snapchat twenty nine percent, Instagram twenty three percent, TikTok twenty
two percent, and YouTube fifteen percent. So yeah, children. By

(01:20:47):
the way, In this survey, eighty two percent of respondents
agreed that viewing online pornography often affects young people's expectations
around sex. A larger proportion of girls eighty five percent
than boys tventy eight percent agreed with the statement that
viewing online pornography affects young people's expectations around sex. Well,

(01:21:09):
I mean, here's the problem with that is that real
people have real bodies, Real women have real bodies, real
men have real bodies and the expectations that are laid
out for both men and women in pornography are often
the outliers in those situations. I worry about this a

(01:21:29):
lot because I think that I think that having a healthy,
happy sexual relationship within you know, a long term relationship
is incredibly important. I mean one hundred percent, and whatever
that relationship looks like for you in that context, I
have no judgment on any of that. Right some of
the things that I find people find sexually appealing are
baffling to me, but we'll just not talk about that

(01:21:51):
right now. But in the in the sense that this
is what kids are learning from the outset, we're almost
making agency away from them to be able to find
what it is that really makes them tick. Because everybody
has a different thing that makes them tick. But geez, Louise,
if you've got a six year old and you're shoving

(01:22:12):
a phone in their hand, you're not being a good parent.
I realize that there are sometimes when you need that
phone to just babysit your kid for just a minute.
I get it. But if those minutes become hours, if
those hours become days, if those days become weeks, you
are a lousy parent, and I am not going to
come back from that Mandy rule thirty four. If it exists,
there's a porn of it.

Speaker 8 (01:22:32):
I bet it.

Speaker 7 (01:22:33):
I yep.

Speaker 2 (01:22:33):
Where did that rule come from? Just curious general television
and any Pride parade. Maybe Mandy. I'm sorry, but rape
porn doesn't just pop up on social media unless it
was looked up before. I used to think that too,
and then I got on Twitter and I never see like,

(01:22:56):
I don't follow any people in the adult entertainment industry.
I don't follow any of those accounts. I don't follow
that many accounts overall. But what has happened to me
is in an account that I'm following, retweet something and I, oh,
I have seen some things.

Speaker 5 (01:23:12):
Now.

Speaker 2 (01:23:12):
Granted, kids aren't on Twitter right like kids they're looking
for dumb videos on TikTok. To the text, ar asks
how does Mandy get her freak on? You can direct
that question to Chuck. You could ask him because he
totally knows.

Speaker 5 (01:23:28):
Mandy.

Speaker 2 (01:23:29):
We took your advice. Wait till eighth she's in ninth
grade and we'll get her first phone for Christmas. And
you know what, she didn't die, did she? That's that's
the thing. Kids, they can make it to eighth grade.
I will tell you this, text her. As soon as
you give your kids that phone, it doesn't matter the
controls you have on it doesn't You've lost your kid
to the phone. And it's so hard to ratchet that back,

(01:23:50):
So incredibly incredibly hard to ratchet that back.

Speaker 5 (01:23:57):
Mandy.

Speaker 2 (01:23:58):
I don't know where rule thirty four k. I just
know that if you google rule thirty four, I'm not
responsible for the consequences. Oh stop it, so, Mandy, what
you're saying is not all pizza delivery guys get lucky,
nor do every plumber. Okay, nor do every plumber. So
that's on the blog today. Hey, guess what you guys
remember how they do the hurricane forecast every single year

(01:24:19):
and they're like, oh my god, this is gonna be
a terrible year. It's gonna be above average. Everyone's going
to die. Well, once again, the National Hurricane Center was wrong. Yep.
Remember when Al Gore said hurricanes we're gonna get worse
more frequent. Al Gore was wrong because, as we know

(01:24:41):
from our favorite meteorologist Dave Fraser from Fox thirty one,
it is very, very very difficult to predict the weather
out of about a week, right, I mean if five
days were feeling okay. But you just heard Dave. If
you heard weather Wednesday on The Rules Today or weather
Wednesday on the Show Today, actually said today he amended

(01:25:03):
Sunday's forecast to make it warmer today. So it's not
amazing to me. But the season is only a teeny
tiny bit above average in terms of accumulated energy. And
there's some neat charts on this story if you click

(01:25:24):
through about global tropical cyclone activity. I spoke to someone
and I don't remember who it was, but the movie
of the movie the Equator. The closer you get to
the Equator, the reason hurricanes get started is because temperature
cold air from away from the Equator is coming down
and it's meeting that warm air near the Equator, and

(01:25:46):
it's creating all of this unstable weather situation. That's a
very gross oversimplification, but work with.

Speaker 5 (01:25:51):
Me on this.

Speaker 2 (01:25:52):
So you have colder air coming down from the poles
and coming up from Antarctica and it crashes into that
warmer air around the equator. The climate warms those extremes
in terms of colder air in the north and south
and warmer in the middle, those differences actually drop, so
it creates less turbulent air. So the thing this guy
said to me, and he was either a climatologist or

(01:26:13):
a weather man, he said, if we truly do have
these increased periods of warming, then that will actually prevent
more hurricanes. So there you go, Mandy. Did you ever
watch the movie Climate? Nope? Oh, this person just watches
porn for the music. I mean, who doesn't as one does, right,
I mean, come on, you can't get that bounch of

(01:26:33):
a bow wow anywhere else anywhere else. So I've got
that on the blog today. I also have two things
that I grab from X and I don't normally do this,
but one of them was such a good story that
I just wanted you to see it too. And it's
about a guy. He goes by mister pitbull, I follow him,

(01:26:56):
but his wife has been pregnant, and early on in
there pregnancy, they were told around the three or four
month mark that their son had severe hydro sephop I
can't ever say this cephalus hydrocephalus, that's fluid building in
the brain, and they said his fluid was building so
rapidly it pushed everything aside, and they went through all

(01:27:19):
the things. They were told that their son ninety percent
chance the son would either die shortly after birth or
survive with profound cognitive impairment, that life would not be possible.
This is what ninety percent chance. So they kept going
and they kept going forward with the pregnancy. They have
two little girls. They were trying to come back, and

(01:27:39):
the whole time they're thinking, this baby is going to
be born and suffer and then die. And about fifteen
minutes before the c section, which was scheduled, they sat
with doctors again and talked about how to remove life
support from their newborn after he was born, because obviously
this kid was going to be born and be in
really bad shape, and they had to make that make decision.

(01:28:00):
And then a funny thing happened. Their son was born,
and he was born crying and perfectly fine. And this
guy goes on to talk about the fact that he
believes this is a miracle. He believes it was divine intervention,
and I do too. I had my own experience like
that when my daughter was born, and maybe that's why
I saw this and thought, you know what, other people

(01:28:20):
need to see this wonderful story, but it's also a
story about we put a lot of faith in the
infallibility of prenatal care when in reality, prenatal care is
so many times a crapshoot. And the reason I say

(01:28:43):
this is because you get all these scary things during
your prenatal appointments, like oh, I mean I was thirty
nine years old and we'd already had to talk about
what if your child is born with Down syndrome? And
I was like, well, they're going to have a child
that was born in Down syndrome. That's how it's gonna work.
And we got all these scary measurements and everything, and
the doctor's like, well, we don't know what's going to happen.
We did it anyway, and my daughter is amazing and
certainly doesn't have Down syndrome. So you know the other

(01:29:06):
long X message that we get back and it starts
like this, I despise the Groyper movement. But if you
want to understand where Nick Fuenttes gets purchased with young Man,
I will tell you how it happened to be how
I will tell you how it happened by telling you
about my experience at the orientation night when my son

(01:29:27):
joined elementary school band. And then she goes on to
talk about walking into classrooms that are full of DEI
messages and trans Pride flags. There were posters and stickers
and decorations that invoked the various totems of diversity, Black
Lives Matter messaging, decolonization messaging, LGBTQ messaging, and basically every

(01:29:49):
sort of race and gender social justice messaging you can imagine.
The entire esthetic was the progressive leftist code of in
this house and becom. And then she talks about how
all of these women treated her son as if his
normal behaviors were problem behaviors because boys don't act the

(01:30:10):
same way girls do. Newsflash. And I'm telling you this
column is illuminating, and I think they make a great point.
If you want to know how young men are getting
sucked into bad ideas, it's because their entire school career
they've been told by women that they are the problem.

(01:30:33):
At the same time, we have girl power. Girls are
going to rule the world. Girls are the future. We
have left our boys behind, and we have done them
at disservice by trying to convince them that somehow, if
they were only more feminine, everything would be okay, instead
of saying, you know what, little boys need to go
run around in the playground for half an hour, ever
a few hours. Little boys don't like to sit still

(01:30:54):
as much. Little boys need a different kind of instruction
sometimes than little girls. It's a fascinating, fascinating long thread
on X and I embedded it in the blog so
you can click through and read it. It is fantastic, Mandy.
My friend had a similar experience with her daughter. They
were told she would be born without a brain, and
she was delivered completely normal. Sad but true, my friend.

(01:31:18):
Sad but true. My dear friend has been told by
genetics screening that two of her babies would be born
with severe genetic disabilities. She was encouraged to abort. Both
babies born perfectly healthy.

Speaker 5 (01:31:30):
Mandy.

Speaker 2 (01:31:30):
Let's forget about poor and let's get back to gee
buttered popcorn and chicken and dumplings. I'm telling you those
dumplings last night, oh so good. Buttermilk dumplings, Ryan, I've
never had dumplings. Wait, what are you still like vegetarian?

Speaker 5 (01:31:45):
Though?

Speaker 2 (01:31:45):
I can't make chicken and dumplings. But I can't make chicken.
I can't make vegetable dumplings. That's probably why I have Yeah.
Maybe do you know every culture in the world has
some form of dumpling?

Speaker 14 (01:31:55):
Really?

Speaker 2 (01:31:56):
Yeah, it's one of those fun facts that I know,
for no apparent reason in the world has a flood story.

Speaker 3 (01:32:01):
Did you know this?

Speaker 8 (01:32:03):
Yeah?

Speaker 2 (01:32:04):
Okay, which kind of leads credence to the fact that
there was some kind of massive freaking flood, probably climate
change related. I'm just throwing that out there. It feels
like must have been all those camel farts back then. Wow. Yeah, yeah,
camel farts, that's the word. We're doing it all right,
Ryan Edwards. Now it's time for the most exciting segment
on the radio of its guy in the world.

Speaker 7 (01:32:27):
Of the Day.

Speaker 2 (01:32:29):
I gotta remind our listeners on Friday, what are we having,
Anthony Tournament of the Day? Do you want to win
a chance to come play the game with me. We're
gonna let five listeners come in and we have a
fabulous prize that we're not telling you about. But you
gotta be here Tuesday to thirty. But first you gotta
be chosen. Friday, Friday, Friday, Friday, Friday. First you gotta

(01:32:50):
be chosen. How do they get for chosen an.

Speaker 4 (01:32:52):
Email me in the next twenty four hours a rod
at iHeartMedia dot com talk trash, talk about how much
you love the show. Whatever it is you think will
get me to say, I want you to be one
of our guys or girls. Email me a rod at
iHeartMedia dot com with a subject line of the day
in the next twenty four hours, and I will let
you know if you're chosen to come compete be one
of our five contestants.

Speaker 7 (01:33:11):
There you go.

Speaker 2 (01:33:12):
But Ryan Edwards and I are to compete. Now, what
is our dad joke of the day.

Speaker 4 (01:33:15):
I can't believe that viruses in bacteria would have the
audacity to invade my body without my permission.

Speaker 2 (01:33:22):
That makes me sick. It's good, that's funny. Today's word
of the day.

Speaker 3 (01:33:28):
Please.

Speaker 2 (01:33:28):
It is an adjective, projective. It is improvident, improvident. I'm
gonna say unexpected, something that's was surprising, Okay, Ryan, Yeah?
In the ballpark. Yeah, I'll just say that.

Speaker 4 (01:33:43):
I don't know a formal word used to describe something
that does not foresee or provide for the future.

Speaker 2 (01:33:48):
There you go, especially with regard to money's work. All right,
what night sky constellation includes an Terry's a red super
giant star that is among the brightest stars in this
I have no idea. I don't know my Constanta's belt
one of the dippers. Neither Scorpius, which is associated with
the Scorpio astrological song. There you go. We are in

(01:34:12):
Scorpio right now, by the way. Yep, all right? What
is our jeopardy category?

Speaker 4 (01:34:17):
Not of the fifty year variety. The category is mortgages.

Speaker 2 (01:34:20):
Mortgages okay, mortgages, yeah, not bad mortgages fifty years?

Speaker 14 (01:34:25):
Not on here.

Speaker 2 (01:34:27):
This is the initial sum of money you borrow from
a lender to buy home.

Speaker 7 (01:34:31):
Correct.

Speaker 4 (01:34:32):
The term fixed rate mortgage means your interest rate.

Speaker 2 (01:34:35):
Does it stays the same? What is stays the same?
That is correct? Before closing on a home? You havea Ryan?

Speaker 5 (01:34:42):
Do you have? You?

Speaker 1 (01:34:43):
Do you have?

Speaker 2 (01:34:43):
You've gone through this process?

Speaker 7 (01:34:44):
I have, Okay.

Speaker 2 (01:34:45):
I just want to make sure that we're just just
making sure you didn't throw something.

Speaker 4 (01:34:49):
At you, Okay, before closing on a home. I mean Ryan,
I could have her wait until they ended it. Ryan
was inspection.

Speaker 5 (01:34:58):
No.

Speaker 3 (01:34:59):
I threw them off.

Speaker 2 (01:35:00):
I threw him off. That was I finished about this
link finished it.

Speaker 4 (01:35:04):
Before closing on a home lenders often require this inspection
to ensure the property's value matches the loan amount.

Speaker 2 (01:35:12):
I mean, questions kind of worded, weird. I mean, I
feel like the answer is in the question, but that
Ryan kind of got it right. So you have to
do with this to figure out the value of a home. Oh,
maybe what's appraisal? Okay?

Speaker 4 (01:35:26):
The government sponsored enterprise nicknamed Freddie Mack buys and guarantees
mortgages to help stabilize the housing market. What is the
government sponsored enterprise?

Speaker 2 (01:35:38):
What is the name of it?

Speaker 4 (01:35:40):
No, it's nicknamed Freddy Mack. Is then the Federal Home
Loan Mortgage Corporation? Oh, that's when a homeowner owes more
on their mortgage than the home is worth.

Speaker 2 (01:35:52):
Upside down? What is upside down? So close? What is
underwater there? You're not upside downs? More like a car loan? Yeah,
you're right, you're under Okay.

Speaker 4 (01:36:00):
All these terms didn't make any sense today because the
fifty year nonsense throw us off today.

Speaker 2 (01:36:03):
Yeah, it's all crazy. What's coming up on KO sports?

Speaker 7 (01:36:06):
Oh?

Speaker 2 (01:36:06):
I have a lot of fun. We have Rick Lewison's studio.
The Broncos are talking today. We're getting ready for the Chiefs.
I got robbed close, bounced off the back. Yeah, the
Chief's Chiefs Week, dude. NFL Game Day is going to
be here, broadcast live from the stadium. That's going to
be super fun. Yeah, it's a big game. I would
say must win. I think it's probably more must win
for the Chiefs, but I think it's a big gives
a mentally must win for the Broncos.

Speaker 7 (01:36:28):
Here we go.

Speaker 2 (01:36:28):
That's all coming up next. We'll be back tomorrow. Keep
it on, KOA