Bill Meyer Show Podcast - Sponsored by Clouser Drilling www.ClouserDrilling.com - 09-17-25_WEDNESDAY_7AM

Episode Date: September 17, 2025

09-17-25_WEDNESDAY_7AM

The Bill Meyer Show podcast is sponsored by Klausur drilling. They've been leading the way in southern Oregon well drilling for over 50 years. Find out more about them at Klausor drilling.com. Here's Bill Meyer. We'll have some open phone time a little bit later this hour. Right now, though, I wanted to get the man who is everywhere, he's everywhere when it comes to helping America's credit. And Paul Oster, he's America's credit repair man. You see him all over, including my show.

He's on CNN, NBC, Fox News, major market stations all around. the country, and he's the founder and CEO of Credit Repair firm Better Qualified in Eatontown, New Jersey. So he's on enjoy Zee, betterqualified.com. Paul, great to have you back on. Morning, sir. Good morning, Bill, and thanks for having me back on. One of the talk here, I was talking with an automotive journalist here a few minutes ago,

Eric Peters, and we always talk about automotive. What we didn't get into this week, though, is what we're going to get in with you, though. And that is what is happening in the financial side of things right now when it comes to car loans. and we're starting to see some cracks in the economic surface for many people, especially what's subprime people who bought cars? What's the story? Yeah, listen, these are always the early indicators that the economy might not be as hot as the media wants us to see. You know, the stock market can do whatever it wants.

When you're talking about the average consumer, they're starting to drown. And we used to talk about housing being unaffordable. That's now moved down into auto. automobiles because when you look at when you combine inflation and tariffs it's becoming more and more difficult for the average consumer to be able to actually buy a car and afford the car and again we used to call it being house poor now consumers are car poor it got themselves into a finance situation and auto loan that they simply can't afford anymore so the 30 day the 60 day the 90 day lay payments are starting to pick up and it's happening wrap

Now, the typical transaction costs right now for a new vehicle, 50 grand, right? That's what I read the other day. Is that how you see it, too? On your side? Yep, exactly. Okay, all right. So 50 grand, and so we have people that are what settled with $7, $900 a month payments is what we're hearing. This is essentially what that means, isn't it?

Easily, and that's without insurance. Don't even get me going because then on something which costs that much, then you have to have full coverage insurance on it, too. And that's, boy, it's another conversation, too. So what are the stats telling us right now in the credit world? Because this is where you are. You are seeing people who are in crisis. So I'm just thinking, could it be one of those things where you're just talking to the right people, Paul,

or is this part of a greater trend right now? What do you think? Well, it's definitely part of a greater trend. It's not just people that's the subprime demographics. You're talking about across all socioeconomic. economic statuses. People are feeling the pinch right now. And what usually happens, it does start from the bottom up, but it's going to, you know, come through, again, all different socioeconomic classes from the lower class, middle class, high class. It doesn't matter what class. We're all in

the same boat together right now. We're hoping for a cut today from the Fed. That will start to have some relief. But that takes time to trickle down to you and I. So just because they cut those rates today doesn't mean tomorrow, you know, your payments are going to be lower. It takes it, you know, it takes some time for those actions to actually have a reaction. Markets have pretty much priced in, Paul, a certainty of at least a quarter of a percentage interest rate cut. Some are thinking maybe they'll go a half, hard to say. But, you know, we don't know. We'll find out when we know, I guess, a little bit later on today. But even then, that interest rate is only the interest rate that the Federal Reserve charges banks on overnight money, isn't it?

Does that eventually filter down into credit cards and mortgages and car loans? So it should, but it doesn't always. So you're spot on when you say that rate is just the bank, the rate between banks when they loan each other money, but typically when there is a cut in the federal reserve rate that does trickle down. That might not happen here. People run the edge of their seats hoping that that actually equates to some relief to the average homeowner. It should ultimately lower mortgage rates. Look, the housing market has pulled this out of an economic slowdown recession, call it whatever you want in the past. And I'm banking on that again. I mean, And the housing market, the real estate market, has basically been stagnant for a couple of years now.

Interest rates, and historically, rates are not that high, but we all have this COVID hangover. We're like, where did the 3% interest rate go? Where did the 4%? Yeah, really? That was, yeah, they're gone, and we may never see them again. I feel so well-fortunate that I refinanced it three, but then it's kind of like holding on for dear life to that house, right? You know, it's kind of what everybody I think has been doing. That's starting to break loose a little bit.

You're getting sometimes when people are having to move or estates. You know, somebody finally passes away, then the house has to be sold, right? So you're actually right. People have people that were planning on moving a couple of years ago have it moved because they don't want the house anymore, right? But they're holding on to the rate, right? So we used to say, you know, marry the house, date the rate. But if you're at 3%, you want to marry that rate because if you lose it, and now you're paying more for a house because the pricing on housing has been, you know, going up over the past couple of years.

So we really need to stabilize the housing market first and foremost. Hopefully that's what happens when we get these cuts. And look, maybe at the time if you have to buy a car, you don't, you know, quote-unquote new car, you don't actually buy a new vehicle. I mean, there's all sorts of market surveys and formulas that tell us buying a new cars might not be the most financially prudent thing to do. Buy a used car, a low mileage off-lease car that comes with a warranty, maybe a downgrade a little bit on, you know, you don't get the newest model. So people have to change their behavior in these times or they're going to have to, you know, pay the pie. for lack of a better term, when that time comes. And if you don't have the money to do it, now you destroy your credit. And when we talked about insurance a little bit ago,

let's not forget that our credit also drives our insurance policies and premiums. So you end up letting your car loan lapse and you get bad insurance or bad credit rating because of that, then you're going to get a double whammy when renewal time comes, right? Exactly. Exactly. So you're Your credit score is going to cost or save your money every single day for every single financial transaction, and people have to realize that sooner than later. All right. Paul Oster once again, and he's America's credit repairman. You can find out more about him, Betterqualified.com.

By the way, we'll talk about some specifics, but what do people find when they go to your website, Paul? So I want to make sure they know. Yeah, so there's all sorts of, you know, doing yourself guides. They can fill out a quick form to get someone to respond to them. either a text message or a phone call, whatever they want, but they will see some of the things that we've been doing over the past 20 years, what our thoughts are on different markets and things that are happening. So there's lots of great education and stuff, do-it-yourself guides that people can take advantage. And, of course, if you need more help, you're willing to do that

too, but you just got to get an appointment and make that happen. Yeah. All right. One of the, Bill, one of the things we stress to everybody, and this was, you know, when you talk about, again, the COVID hangover, this is actually a good thing. People need to know that you can go to annual credit report.com, annual credit report.com, and get a free copy of your credit reports before COVID, BC, it used to be every 12 months. Now it's every week. And I'm not saying you have to look at your report every week, but you should be monitoring your credit reports on a monthly basis at the very least, and figure out what you need to do to get those scores up. Because, again, everything is tier-based pricing. So the lower your scores are, the more you're paying for every

financial transaction. When we talk about interest rates, now being somewhere around six and a half, that's for people that have a 740 or above credit score. If you're a 720, you're going to pay a little more. If you're 700, you're going to pay even more. So as you go down, your costs go up. So people figure out how to get out of credit card debt. If you're carrying credit card debt, this is a killer, right? Because daily compounding interest, those credit card balances are going to increase every single day unless you're paying them off. You have to figure out how to get out a credit card debt and how to get those credit scores up as high as you possibly get. Kind of curious, since we were talking about originally about car loans, new car loans,

are most new car loans of fixed rate or are any of those variable in some cases? How are that structured? I really don't know. Yeah, most of them are fixed rates. The best way to go about getting financing for an automobile is to get the financing before you go to the dealership. Oh, yeah? Yeah, you got to go to your local bank, go to a community bank, credit union, go to your bank,

and obtain the financing from the bank directly, because when you get the financing, that's really where the dealerships make their money. It's on service and financing. So get the financing in place before you go shopping for a car. If you find yourself in trouble, though, and you're getting to the point where, okay, maybe you have one of those $900 a month or $1,000 a month. plus kind of payments here. What do you do first? So be proactive. Reach back out to the dealer and if they have to contact the finance company, but do not wait until it's too late. You have to

take care of this now. You know, you can't do fuzzy mental math. Again, one of the biggest problems and mistakes consumers make, they don't have a budget. They have really no idea. They kind of know what they know. They know at the end of the month. They don't have any money left, but they don't know how they got there. So if you find yourself in that situation, take the time to put a household budget in place. And if you're saying, oh, boy, we're in trouble here. Here's my expenses. What are our biggest expenses? Rent, mortgage, car payments. And then if you're in trouble and you're not going to be able to make those payments, you have to reach out to the dealership. And even if it's going to cost you a couple of bucks, it's going to cost you

money to get out of the existing loan, do it. Because if you don't do it, a repossession is really going to cost you 10 times what it would cost you to get out of that loan and into a new car at a lower monthly pay. If you are in a situation where you're flirting with a repossession, is it one of those things where is it different if you reach out to the finance company saying, hey, I can't pay this and I want to turn it back in? Is that treated differently as far as credit rating or not? It is. A voluntary repo is treated very, very differently, not only in your overall credit profile, but for future financing. The next underwriter, they have to make a decision based upon your credit history. And if they see that you just simply let the car go and you didn't

do anything about it, that doesn't look good for you in terms of your credit worthiness. So a voluntary repo says, hey, you know what? I'm making a real, adult decision here that I can't handle this financing anymore, so I'm going to voluntarily turn that car back in. When you do that, you will be responsible for the deficiency balance, which means, and that's the other good part about this, you turn the car back in, it's in decent shape, the dealership resells it. You're responsible for the difference of what they resold that vehicle for and what you had left on your car loan. And that still looks better on your credit than, hey, having to have

the repo guy come out and take it out of the parking lot at work, right? That's what's the situation? Okay. It's good to know. Hey, Paul, I appreciate the take here. So this is something that's kind of a canary in the coal mine, as you see it, when you have a car loan starting to go

a little bit squishy here. So we'll keep an eye on this. Now, is there anything wrong, though, with getting financing from dealerships? Sometimes they have some really, really great offers on financing. They do, but when you see zero percent or really, really good offers, again, that's for people with excellent credit. So like with everything else, depending upon the make, the model, what kind of car you want.

Again, you have to be flexible, especially in this environment, and shop around. So make sure, because the same make and model, the same, you know, dealership in this county, from that county, they might be offering different interest rates. So you have to make sure you shop around. You don't want to walk into the first dealership and say, oh, my God, I love that car. I love the color. It's everything I ever wanted. Yeah, don't fall in love.

That would you tell you, right? Exactly. Well, it's kind of like when you were talking about, what was it, getting married to the rate, right, to the interest rate of the mortgage. Yeah, we used to say marry the rate, marry the house, date the rate. Yeah. But sometimes in this environment, again, people that are down in the three's and course, they're marrying the rate, and they want to get rid of the house, but they don't want to get rid of that rate. Now, in your experience, Paul, final question I have for you, though,

in your experience looking at the interest rates, because this is a big part when you're trying to repair credit. By the way, have you ever thought about going to work for the federal government? They could use that credit repair advice, I'm sure. Well, listen, I've actually spoken at two different government affairs conferences down on Capitol Bill, and boy, they need a lesson. We tried and tried and tried to explain to them. how the credit reporting industry, really, it's been a mess since the day one, and it has such a tremendous impact on consumers. And unfortunately, most consumers really don't have any idea of how that whole process

really worked. So I have thought about it. I'd rather just, you know, stay as an outside consultant and maybe get them to listen to what we've been trying to tell them for a long time. And, you know, it is what it is. So we hope that they start to understand how credit impacts consumers, how the credit reporting industry impacts consumers. Look, look at the fact that the FICO score has been the only scoring model that's been used in this country for decades. Now, we hear all these antitrusts and monopolies that they talk about.

That's a monopoly. How'd they get away with it? How'd they get away with that? they're just a very, very powerful, you know, a company that makes millions and millions and millions of millions. They lobby Congress. They lobby our legislators, and they've been able to get away with that. So the federal housing finance authority, FHA, FAA, actually stepped in and has put tremendous pressure on banks to adopt. There's another scoring model. Now, we only have two, but it's better than only one. And that's called the vantage score. And the vantage score is much more robust because

it includes utility payments. It can include rental payments. It can include a cell phone payment. So any financial obligation payment, whether it's an installment or revolving account, can be included on that credit report. And it gives a much better picture of the consumer's creditworthiness. So hopefully banks start to adopt that scoring model sooner than later. It's a welcome change in the housing authority and for every other type of finances. I'll be really curious to see how much of an interest rate cut comes today. You know there's going to be probably at least one. I don't think they're going to hold it steady.

But if that busts loose the real estate, that would end up helping the overall economy of the United States, wouldn't you think, overall? It will. So economists have sure. on this before the housing market can and will have a tremendous positive impact on the overall economy. When somebody buys a house, there's like 32 other financial transactions that are involved within like 18 months, right? Because they buy a house. The new local gas station gets a little bit of a jump. The trades people get a little bit of a jump. So there's money that's pumped into the local economy every single time somebody buys a house.

Yeah. Yeah, it's interesting that you'll read these stories about, you know, someone will go to a financial expert and they'll say, hey, man, you know, I'm Generation Z. My son's Gen Z, right? And so we've had these kind of conversations. And he says, man, I want to buy a house. I want to buy a house. And then you end up telling him, well, you're driving your house right now, right?

That's right. That's what we just said. The analogy has now become, you know, your house. House poor, you're 50,000, that's the average, $50,000 for a vehicle. To me, it still sounds crazy, but I realize it's the way of the times, it's the current economic conditions. Yeah, and a lot of this also, though, we have to look at government mandates, though, that have made vehicles much, much more expensive than they might otherwise.

You know, over in China, you can buy a $15,000 electric car. Wouldn't that be nice here? Right. Exactly, Bill. So again, you're just spot on with what you just said. There is no reason why we can't offer those same, you know, opportunities to our people here in the United States. Look, interest rates can keep coming down. But if inflation keeps driving the prices up, we, you know, we're catering on stagflation. And I was saying this, you know, six months ago, I wasn't so, you know, I wasn't accepting what they were telling us about. jobs report because they can fudge those numbers. And again, anecdotally, we saw across the country that the jobs market was not as strong as we were being told. Now that's coming, you know, to fruition, or it's at least being exposed. And when you have a weak job market and inflation, that's a really bad combination. And we call that stagflation. Yeah, one two punch. I lived through that in the 1970s as a kid. I don't know how you are. But I remember.

I remember stagflation. That wasn't fun. Not at home. No, it's not at all. So again, so we can't control all these macroeconomics and things like that. The only thing we can control is our own household budget and personal budget, our own financing, our own credit. We have to take control and be ready for whatever happens, you know, in the markets, because if you're caught on the bottom amend to this thing, it's going to have that much more of a severe impact because people with lower credit scores are going to pay even that much more. Paul Oster once again, America's Credit Repairman. You can find out more about it. It's betterqualified.com. Betterqualified.com. A lot of information there right now. And if you need more help, you can help you with that too.

Paul, always a pleasure. Good talk on this. Thanks again. Be well. Thanks, Bill. Be well. Bye. This is the Bill Myers Show on 1063, KMED. Got something on your mind? Give Bill a shout at 541-770-633-7-70-KMED. 736-7-0-5-633. It's open phones for the rest of this hour. I always enjoy the conversation as we noodle through the news and everything else.

And former Senator Alan DeBore, how you doing, Alan? Welcome back to the show. What's on your mind this morning, huh? I'm great. How are you? was calling in to ask your guy that was on the radio that how come when you close a credit card, your credit rating goes down. It seems to be a good thing to close your credit cards and should increase your credit rating, but it doesn't do that. Yeah, it is on. You know, that's a great

question. I'm sorry I didn't get you on with Paul Oster. I'm going to make a note of that for next year or for next time I have them on. Not next year. I know I'll probably have one between now and the end of the year. But that's interesting. I had the same experience. for me. And it was about five, six months ago. I was looking at the wallet and I just had all these credit cards because, you know, credit

rating, I'm very blessed. Credit rating's pretty good. And so I thought, I just don't use this card. It's an expensive thing. You know, they charge you $100 a year or whatever it is. Oh, and they came out and they said, well, we're going to charge you $125 a year fee. It's like, forget

about it, you know? I was done. And so I canceled it. And yeah, my FICO went down. I think it was 15 points, I think, for the next few reports. What do they do to yours? Just curious. Well, I just know people. I've got about 30 credit cards because I use all the affinity stuff. It drives me crazy. But anyway, yeah, it's wrong. But there's so many things in this world are just wrong. Yeah, it does seem like it's an upside down reality, doesn't it? You know, to have that, you cancel a credit card voluntarily because you don't want to have as much credit, and then all of a sudden your credit rating goes down somehow.

It does seem odd. Maybe someone can explain that, but I will try to get Paul to answer that at some point in the future. And then when you buy something at a store, they're going to give you a 10% discount if you open a credit card. Well, I've seen that happen a lot. open. What's that? And it just seems wrong. I mean, yeah, you're going to take the 10% discount, but now you've got another credit card. Yeah, well, you know why they do this, though, Senator. It's about hoping that when you have that, okay, I'll just give an example because I bit on one of those

in which we'll give you $150 off this tool set if you get the Home Depot credit card. And I did. And I got that. And I put it on the Home Depot credit. card, and I also paid it off immediately, and I haven't used it since. So it's just sitting there, but I guess I got the discount. They're hoping that I would continue to buy more, I guess, is what they're hoping, right? I do have a recommendation for your listeners. What's that? A lot of times I go into school and talk finance with classes, and I've got a few teachers that bring me in every often. But my rule has always been in my life that if I can't pay my credit card off, I take it out of my wallet, put it on the shelf until I pay it off.

I think that's a pretty good advice. Well, interest rates, like, 25, 35%, percent. And the other part is if you charge and you make your minimum payment, they charge interest on the day you bought the item. But if you pay it off, you had interest free for, what, 25, 30 days? Yeah, sorry, I was talking over you there for a second, Senator. You know, there was some research, some psychological research done not too long ago. I forget where I read it.

It was over the weekend. But they were saying that when you buy something on credit on the credit card, emotionally it doesn't connect as you having spent money as it does if you're buying it with cash or let's say a check or debit card, you know, that kind of thing. And that when you use cash for it, your mind responsible. to it that way that, yeah, I'm really, really spending it. But the credit card, well, heck, even when I was a little kid, remember telling my dad, well, I'd like that toy, just pull that card out at Kmart. It's free. That's what it meant to a little kid. I guess in our brains it means that, Senator. It really does. Well, now we have the new thing is people are, you don't have to pay for it right away.

I don't know what the difference is between a credit card, but it's pushing everywhere in the media. Yeah, Klarna and the buy now pay later type groups there. Yeah, a lot of people are starting to, well, you know, the ones that are really in trouble. Paul and I talked about this before. It's people who would put their door dash on the buy now pay later so that Mexican food or the pizza that you ordered the other day, you ended up paying it back in installments. Not a good plan.

That's all. Yeah. Don't let all these people that want to get money from you and charge you of a lot of interest ruin your life. Indeed. Thanks for the call, Senator. Good hearing from you. I'm glad you're okay. So even he has to deal with a credit rating going down. You cancel a card, right? I think Dave's here. Hello, Dave. How are you? What's up? I'm doing okay because I gave up credit cards when I went through bankruptcy.

I get offers to have credit cards all the time. I tell them to go pound sand because they're evil. But I'm under the understanding that Oregon doesn't allow them to do a credit check for your driving insurance. They can do your driving record. They can do a criminal check. They can't do a credit check according to my agent. And my liability insurance dropped by $8 this last time. So, you know, everybody's is going up now. That could be because they got full coverage.

and I don't, but I know a guy that pays $45 bucks a month. I buy mine by the six months, and it's like $160 for six months. Yeah, one of the best things. I started doing that now in which I used to pay it monthly, but I pay it every six months, and it does save me quite a bit of money to do this. I did want to correct you, though, according to Oregon law, insurers are allowed to use credit-based insurance scores when setting premiums. But there may be some specific limitations, you know, regarding this.

My agent says they don't do that. They go by the driving record and your criminal record only. Well, that may be a particular... Well, that may be a particular company that did that, right? Right. It may not necessarily be what they're allowed to do. It's progressive. auto insurance, but

it's... Okay, well, with a name like Progressive, with a name like Progressive, of course, they would want all sorts of deadbeats on for insurance. Just kidding. Okay. I'm not a deadbeat. And, you know, I don't have an Obama phone. That's the only credit I got.

All right. Hey, Dave, I appreciate the call. Thanks for that. Let me check some news, and then we will continue here. I'm just having to find, you know, with an aim like Progressive, that's all right. We want, yeah, we don't want people going to jail. We don't, you know, it'd be one of those things. like defund the police kind of thing. I don't know if Progressive is behind that or not.

This is the Bill Meyer show, but I'll tell you what, if you are looking, this is a great little segue, if you are looking for a better deal on insurance, talk to my friend Steve Yancy at Sky Park Insurance. Sky Park Insurance is an independent, and he's working hard there. You call him at 261-544-24-4-2-6-1-4-4. It's not just progressive.

There's lots of lots of different companies that he works with and crafts the best deal for you. Got it from me. He saved me a lot of money. I'll bet you he could save some money, too, for you. Call 261-544-4-4-4-get your quote today. You could also get in touch with Lynn Barton. Lynn's now part of the Sky Park team, and she's involved with Medicare. So you're turning 65, very confusing.

What kind of supplemental program do you need to get talked with Lynn? Her number 499-09-958. Skypark INS.com to find out more. At Skypark, we make insurance easy. Invite you to taking your calls at 7705-633-770KMED. A couple of stories to me in play today. I was talking last hour with Eric Peters about how Pam Bonding has been coming out there for pushing the hate speech agenda, this time from the right.

And I don't like it coming from the right anymore that I do coming from the left because hate speech, generally speaking, is you disagree with someone politically, all right? And that's it. And this had to do with, well, this also echoed by Matt Walsh. You know, Matt Walsh on Daily Collar, I believe. And he's an interesting guy. Isn't he the one that did the documentary about, am I a woman, I think, or I am a woman, whatever was. It was really, really great what he was doing on this.

But Matt Walsh calling for the firing of Attorney General Pam Bondi, this according to Gateway Pundit.com, after what he describes as her weak response to an incident at Office Depot in Michigan and to the growing threat of left-wing terror cells. Now, Gateway Pundit speaking with Republican Kelly Sackett, who shared the story involving three teenagers in Michigan, the young man had prepaid for posters for a Charlie Kirk Prayer vigil, but when they came to pick them up, the Office Depot clown there arrogantly refused to hand them over saying that we don't print propaganda.

And the teenagers then explained that the posters were simply for a memorial vigil, but the adults doubled down. And when the boy asked their names, one employee admitted he was the print supervisor, another claim to be one of the managers, both insisted they would not print the order. So Office Depot released a statement about this, and they apologized, and they fire these people. you know, these fire these people. And then A.G. Pam Bondi went on Fox News and said, employers, you have an obligation to get rid of people. You need to look at people who are saying horrible things, and they shouldn't be working with you.

Businesses cannot discriminate. If you want to go in and print posters with Charlie's pictures on them for a vigil, you have to let them do that. We can prosecute you for that. I have Harmeet Dillon right now in our civil rights unit looking at that. immediately the office depot had done that and we're looking at it and Matt Walsh unhappy with this because saying Bonnie's wasting resources on an already settled issue while the radicals are still celebrating Charlie Kirk's murder and you know and Matt's

right about this this is a kind of a takeaway from Matt's point here conservatives have fought for decades for the right to refuse service to anyone will be won that fight now Bonnie wants to roll the back for no reason The employee who didn't print the flyer was already fired by the employer. This stuff is being handled successfully through free speech and free markets. Totally gratuitous and pointless. We need the AG focused on bringing down the left-wing terror cells, not going after Office Depot, for God's sake. That's what he said.

I'd have to agree with what Matt's saying. I don't know if you have an opinion on this. But where do you think, where do you believe the line? should be because yes we have free speech but we have only limited immunity from the consequences of those free speeches or for the free speech would you agree with me on that much and this is where we find ourselves right now even with this a teacher's aid in central point central point school district now I have what is reportedly the social media post I can't confirm it though because the the accounts gone so I

can't say this is it. So I'm taking someone's word for it, and this is why I'm not using the person's name. It's under investigation right now on leave, is an aide for a special ad over at Crater High, apparently. And if you missed it, this is what was said on it. I think everyone has their own hard line, right? The hill that they are willing to die on. My line, my hill is that I will never support or tolerate or sympathize with a bigot, racist, and or rapist, and they can't fall and they can fall into one or all three of those categories and I never have sympathy for them no matter what happens to them, not a zilch. And just a foreshadow of all of you debating on whether you want to delete me because I don't feel sympathy for Charlie Kirk

know this about me. The day that the rapist in chief that is destroying this country finally dies, I will absolutely be celebrating that death. I can't wait until he takes his last breath. but that's how I feel about rapists and sexual predators like him. So this teacher's aid apparently is going down the Trump is a rapist and a sexual predator kind of thing. The MSNBC narrative apparently has been strong with this particular individual. All right. Now, you look at this, and I don't know what the school district is going to do about this. This is an open question right now, but a lot of people got a, got a,

Got upset, got there. And rightly so, I get this. But as distasteful as I find it, should not having sympathy for Charlie Kirk's death be the same as calling for his death? How would you think that, you know, school districts with our largely leftist teachers, you know, Where's that line? Do you have a line to you? Is it a line that, you know, could you get away, let's say, with being a progressive teacher and say, hey, you know, I'm not a real fan of Charlie Kirk.

Never was really a fan of Charlie Kirk. You know, his political point of view, wasn't really happy with it. And all of a sudden, do you cross the line when you say, I won't miss him? See what I'm getting at? what do you believe is the line or should there be a line of saying, like, you know, hey, I'm not real happy with the politics of this particular person. And then when does it cross over to support of targeted murder? I guess maybe that's the question I'm trying to phrase with you this morning.

where would you put that line because this whole thing with the the teachers aid this alleged post that I that I just shared with you at least most of it I don't have the whole thing this is just a copy of a copy it's someone else's screenshot which is why I can't confirm the name because you can make up all sorts of things these days

I just want to be careful you know about this kind of stuff I want to be fair with people and so I don't know if they're more upset You know, it says, you want to delete me because I don't feel sympathy for Charlie Kirk. Well, should be required to feel sympathy for Charlie Kirk. I will never support or tolerate or sympathize with a bigot, racist, and or rapist. That's obviously directed at President Trump.

Like I said, the deal. So she doesn't like President Trump. Doesn't like Charlie Kirk either. there's a part of me that's, you know, not liking political people is kind of a governmental right, isn't it? So where is that line in your mind? Because a lot of people have been, a lot of people have been getting reported. And I just want to be clear thinking about this. You know, where do you come down on it?

Do you have an opinion? 7705-633-770 KMED. When does it cross the line? When is it cross the line into this? And because this is when employers will just say, hey, now I know in my particular case, in my business, in broadcasting, I can be pretty much fired for about anything, even though I'm very opinionated. It's at will, not under contract, you know, those sort of things. But, you know, I could get pretty opinionated on things, but it is an opinionated show, which probably gives me, you know, I don't want to say protection. there is no protection.

But, you know, everything's pretty much at will in this state. If you end up saying something which ends up holding your employers in disrepute, you know, embarrassing them, they can say, hey, you're out of here. And does being scathingly, you know, rapist, sexual predator about President Trump, does that kind of qualify you for getting bounced out of the government school system? I don't know. Where's that line? What do you think?

7705-633. I think it's an interesting conversation. I love to get your take on it. Hi. Good morning. Who's this? Good morning, Bill. It's Michael. First of all, I want to agree with Matt Walsh, saying that we really don't want the government at all dictating what is considered, quote, unquote, hate speech or not. Yeah. Who is the arbiter? Who's going to be the arbiter of 300 million people who have free speech? What is hate and what is not? Exactly, because I don't want to get to the point where in the Trump administration, we just exchange one Torquamata in the Biden administration for a different Torquamata in the Trump administration. Well, I can't justify it. It doesn't, I mean, you really can't justify it because the government always get things wrong. Good point. Thanks for making it. 770563.

Oh, by the way, did you have a picture or a question, rather, or an idea in your mind of what? where the line might be. Sure. The line for me, especially with this, the student or the teacher's aide, is that I really don't want that kind of rhetoric taught to my children. Now, that's the reason why I think it's under scrutiny because these people are teachers, and there's a bunch of teachers that are all across the country that are being fired because parents are like, I don't want that kind of.

teacher in my kid's classroom. Yeah, there was that one, there was that one teacher who was showing the Charlie Kirk assassination, the murder to the kids, the fifth and sixth graders. Over and over, right. Over and over, and then giving them the transgender rights thing and why he was such a hateful guy, et cetera, et cetera. Obviously over the line. Way over the line.

Of course, that's over the line. Way over the line. And so where do we draw the line? Well, that's way over the line. But then we also have, people are entitled to their own opinion. Sure. I mean, whether they have sympathy for Charlie Kirk or not, does not bother me whatsoever. Charlie was an interesting character, and he spoke his heart.

And people are allowed to do that. They just don't deserve to be killed for it, that's for sure. Okay, and that's a good point. You know, it's interesting. I'm starting to see more posting some people from the right, from the right wing, who are upset with Charlie because he wasn't right-winging enough. And so they have no sympathy for him from a different point of view. Don't you find that interesting, what you'll find out over time?

Well, sure, I find that very interesting. The political spectrum has a bell curve with standard deviations on both sides. Yeah. Once you get out into the fringe, people on both sides say, well, that's, you know, that's too radical for me. Yeah, where is that line? Well, I think that line is becoming closer. the standard deviations are becoming closer and closer and closer into the middle and infecting the middle who are more or less, you know, people who can think correctly.

The friends do not think on either side left or right for the people in the middle. They only think of themselves and they are very selfish. All right. I appreciate the call. Thanks for making it. Good call. Let me grab another one. Hi, good morning. Who's this? This is mine or Dave again. Yeah, Dave Yeah, you hit a subject Really close to my heart

I believe in freedom of speech And freedom of speech Is for unpopular speech You know, Dave, your phone's cutting in and out I'm sorry But freedom of speech for unpopular speech You're right, the First Amendment is about protecting unpopular speech

Because popular speech doesn't need protection, right? Right doesn't mean there isn't consequences from your speech. Yeah, which means that unpopular speech, which I guess would mean that for the teacher, as an example, the teacher's aide rather, she wasn't a teacher, but a teacher's aid, that you have the right to say this all you want, but on the other hand, we can decide that maybe you're not appropriate to be, you know, the aid for the special ed kids in the public school district is what you're...

Right, that's called action. It's based on your actions is the line for me. uh charlie kirk didn't deserve to get murdered and neither did that uh whatever it else like yeah okay i'm losing your phone there buddy but uh i appreciate you coming back but that's double dip man double dip a couple minutes after eight km ed and km ed hd one eagle point medford town hall news is coming up here in just a moment and after the kim commando update we're going to have an interesting conversation about uh insurance and by the way had Have you tried to get a price for a medical procedure?

You know, there's a law out there that says you're supposed to be able to get prices for all the procedures. Doesn't seem to be getting followed much. We'll update that. For precision and performance.