Church and state, and Stuart Rosenblum stops by!- h1

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1:00Let's clear the air about hybrids with Kia. I live in Pasadena, so my Kia Telluride Turbo Hybrid has to do a little of everything. School bags, speech chairs, a grocery run, I swore would be small. And somehow there's still room in my sister-tex. I'm landing in Burbank, come pick me up. It seats seven, has over 600 miles of range and makes the 134 feel a little less like a test of character. Space. Range. Flexibility. Turbo Hybrid is built for the way LA moves. Find your way forward at Kia.com. Kia, movement that inspires. Shining like a work of art. Good afternoon, say hello. I'm Steve G.S. What a 4-1 FM K-M-O-X happy. Thursday, everybody. Thursday, Thursday. Thursday, let us know what you're sipping on. I got me a little red bull as usual. And it's all I've had in my stomach today, so do it at the right way. Oh, yeah. Do it at the right way. That's how they were taught, right? That's a food group.

2:00I'm pretty excited. I've decided I'm going to buy a brand new DW drum set with all Zilgen symbols. And then if I have any of my 5,000 left over, I'll take everyone to dinner. What are you guys going to do? Well, we're getting set. We have 7,000 coming to us. I forgot that. Because don't forget the 2,000 from the... I'll get more cases too. Yeah, right. So I've been counting on that. Looking forward to receiving that. And then if we get this additional 5 grand... We're setting bread. I don't know. Sky's the limit. Yeah. I think if I count that upright, that is around 19,000 chicken McNuggets. They have a spicy kind now. With the spicy kind. So I mean, you could say I've got some plans. You could say I've got some ambitions. I was proud of myself. I didn't watch any of it last night. Well, that's not true.

3:00I tuned in just in time. Pardon me. My voice hasn't been bad today. I don't know what's going on. I tuned in just in time to see Lee Greenwood, of course. But a new wrinkle he was singing. God bless the USA. Two Donald Trump. As everyone just applauded. It was like it was just insane. It was like he was just standing there being Donald Trump and Lee Greenwood singing. It was just nuts. He was serenading him. But I didn't I didn't watch anything else. I did a Wheeler and then kind of this morning and I'm, you know, the $5,000 is no thing. And like, oh, okay. That's a to every adult, right? Well, because that's like, it's not like a trillion dollars. It is exactly trillion dollars. We have a trillion dollars sitting around. I have read that the vice president said, maybe it's not going to go to the wealthy people. Whatever that means, whatever that. I'm not sure exactly how you qualify that. Let's exclude the top 10% then. So 90% that's still a trillion dollars.

4:03It's like 1.3 trillion. Yeah. Trump hates the poor more than anyone. He's not giving them $5,000. So who is getting this then? I don't think anyone's getting $5,000. Yeah, no, no one's getting $5,000. So you're saying is I shouldn't spend it yet. Not yet. Okay, I'll wait. Could be a hell of a vacation. What do you think about it like a Viking cruise? Yeah. Okay. It'd be nice. Yeah, it's probably more than $5,000. But that go a long ways towards getting it going. Can I play, we're not going to spend a lot of time on this at all, but I pulled a few pieces of sound and I just want to play one just to get your guys thoughts on this. Rachel's play Cut Three. Senator Tim Scott got up and he started talking about Tallahuree Goh and how there's six genders. And then he goes into this very, very southern Baptist.

5:03Jesus is the God of the USA and all this kind of stuff. I have my own opinions, not as an agnostic, but as a citizen. I just want to get yours. James Dallarigal claims there are six genders. He believes God is non-binary. He's God. He thinks God needs special world pronouns. But Texas, we know who God is. We're talking about Jesus. I sent the King of kings and the Lord of Lord, the Alpha and the Omega, the beginning in the end. That's our God. Yeah. That's America. We love our God. Amen.

6:04So I'm torn. I really am intellectually torn because everyone knows I'm an agnostic. I don't believe what he believes. I absolutely believe that our country was set up as a non-theocracy. I'm not a big flip test person, but when it comes to this, you can flip it. And if this were Syed or Mondami or someone and he was screaming, did New York knows? Did all of us the one true prophet and everyone's just going crazy? And this is America and we love Muhammad. Like, wouldn't go really great, right? And so on one hand, he has the right to believe in Jesus. He has the right to say believes in Jesus. He has the right to get the crowd whipped up into a frenzy because they also believe in Jesus. But when it is a major parties convention and they're like, that is the God of the USA,

7:05that troubles me. But it's just like, well, is it true or God? But can you make the claim that you know what I'm saying? So that just plus uses a weird doing that. What are your thoughts? I'm hung up on the six genders. I would like to know what the six they are. Me too. I keep thinking of the Biden video where someone asks how many genders they are and he goes, at least three. And then they said, can you name them? And he said, don't play games with me, kid. I can't bug on you. Do that's the thing. It's one thing if you say like, oh, there's infinite. It's not every minute you want. That's one way to look at it. But when you say there's six, not seven, that means that there is, yeah, I want to know what they are. Definably in your mind, six individual ones. And I want to know what they are. I mean, honestly, Dave, this doesn't really bother me that much because I feel like it's the Republicans convention and I don't personally know any Republicans that would be like offended by that.

8:09You know what I mean? I'm not saying every Republican claims to be Christian or evangelical, but I don't personally know any who would be like, you can't do that in my convention. I mean, it's all kind of wrapped together. I just mean just as an American, it bothers me. Not, again, let me be clear. Only up to the point, at the point when he says like, we all know that Jesus is the God of the USA. That part bothers me. It doesn't bother me that he truly believes that and that that is a platform, you know, like, hey, we believe in God or I as a candidate want you to know that I love Jesus. Oh, all that is perfectly fine. But when a senator gets up and says that, that's just like, hmm. Well, do you think like what about it? Do you think he shouldn't be allowed to say it? Or I just think it's misleading and wrong.

9:09Because there isn't an official God or religion of the United States. And so when a senator says that, at a convention for one of the two major parties, yeah, you know, does it make a difference? No. But it's just something that I thought was an interesting point. Right. There are a lot of problems with that. First of all, you shouldn't be speaking like a preacher when you're an elected official. You're right. You are governing people that do not share your belief system. Your job is not to preach. You are supposed to be creating policy and you're supposed to be working for all people who live where you are elected. That's right. That's the government. The government's job is for everybody. And then which version of Christianity we're talking about? Because only one quarter of the country is evangelical. But they seem to have an outsized weight in this conversation. They're just as many Catholics in the country. They don't talk like that. They don't act like that. They don't claim that theirs is the only way.

10:11I mean, they do in their own way, but certainly not in a screaming preachy way up on a stage. So why does 25% of the country get to dictate to everyone else which version of Jesus everybody's supposed to believe in? But is he dictating it or is it? I mean, when you're saying the way he said it, when you're saying we all know this to be true, nobody else is claiming that. First, forget the third of America that is not Christian. One third of the country is not Christian. That's over a hundred million people that you're talking to. And only a quarter of the total actually believe it and preach it the way that he did last night. But what about the people who are at the event? What percentage of people who are at that event? Do you think agreed with what he was probably a lot? That's why he did it. That would be my other take. He's play acting. That's him putting on a performance for that audience because he knows that audience. It'll you never seen him do that before.

11:11You ever see him do that in a political debate? Of course not, because he knows how it's going to be received. He knew he had a positive audience there. And that's fine too, but you know your words are going to be heard nationwide when you're talking. He's not just that wasn't for a luncheon group. That was meant to be a public statement. That was meant to be for everyone to hear. So why does one quarter of the country's way of worshiping Jesus outweigh literally 75% of the rest of us? Just from a practical standpoint, they act like everyone's an evangelical Protestant Christian. They're not. It's a quarter of the country that identifies that way. Just as many identify as Catholic. So that's my biggest problem with it is that people of a certain type of Christianity are telling everyone including their fellow Christians who don't see it the way

12:13they do that they're wrong. And that they need to do it that way. Brian M. saying that he was not dictating it to anyone, but my question for Brian would be in course, Brian's not the show, but maybe Brian, you can answer is honestly, if 10 years from now, Mondami is a senator and he gave the exact same speech but replace it with Mohammed, would that bother you? It should or would you just say, hey, no, it would bother. This is a mother. Who it doesn't matter who's doing it. It doesn't matter what religion or anything. I would honestly, I'd be put off if that was someone who was an atheist doing it that way. I agree. But I guess like question for you guys is, is so he shouldn't be saying it is what you're saying. No, no, no, because he's to me, it's like this is, I'm not saying like it's so good that he did it. I honestly, I don't care. Like I'm not showing up to this event. So I don't really care what Tim Scott has to say at it at the end of the day. But to me, this is someone who's putting their beliefs out there and that's a calculated risk as far as yeah, there are going

13:14to be people who disagree with me. But this is the way that I see it. I think he goes too far when as a sitting senator, a representative of the government of the United States, he says basically, we know that Jesus is the one true God of the USA. That's the part that gives me pause. Him talking about how much he loves Jesus or Texas loves Jesus. Okay, so what kind of event was he at? Was he at a church event or was he at a political event? He was at an event. Has this event ever taken place before the midterm Republican convention? Okay, but this is a, this is my point. It's a political event. You didn't speak at your church in your hometown. You weren't at the Southern Baptist convention or any other religious. You were at a political rally. That's the problem. Just like it should be a problem to conduct political business from official government position.

14:14For example, you can't campaign from the White House. Supposed to be against the rules. You can't campaign in your public setting, like in your job. You're supposed to separate campaigning from doing your work. When you're doing that at a political rally, that's the problem. Or at least to me, it's what starts the problem. If that were a speech he gave at his own church on a Sunday, and it wasn't meant for public consumption, I feel differently about it. I'm not sure. I don't know that I love a senator thinking that everyone should see the same thing that he sees. But at least that's a different setting. It's a private setting. It's meant to be for a religious group of people. That's a political rally, which means this is a political statement that he's making. So you think God and religion should be kept out of all political statements? Not personal ones. Well, I also, I think like George Bush. Most presidents have been religious, or this pretended to be. And if their personal convictions lead them, like George Bush famously

15:21said something, I'm going to paraphrase, but like, you know, God, I'm going to follow God's will. I'm praying about this. You know, he's putting this in the hands of Jesus. You can't help bad because he's an individual who has religious beliefs. But he's talking about the direction of the country, isn't it the exact same thing? He's talking about making decisions for the country through his personal viewpoint, which is religious. I don't see it that way because I would see it that way. If he would have said what he said, George Bush, and then comma, because we all know that Jesus is the one true God of the USA. But he doesn't believe that Jesus is the one true God, then he wouldn't be placing those decisions in God's hands. Like it's just it's the same thing without saying it, right? Well, yeah, but I mean, that's kind of everything's like that. But there's one thing to be guided by your faith. It's another thing to be telling everyone as a public, as a political figure that my way is the right way. We know this is the only way.

16:24That's the problem. Your way is your way. That's cool. And if you frame it that way, it's fine to me. If you say simply, this is what I believe, or what we in this room believe. But when you're when you're casting it as we know this is the only correct way. This is the right way. We know it. We in this group. That's the problem when you're a political figure. It's not that it's your say that you can't express yourself. But when you're saying we know this is the only way when the Constitution is pretty clearly not allowing us to name a specific way for the nation. That's the problem. And so again, there's a difference between expression of belief. I believe this versus this is the way for us as a nation. I mean, I get what you guys are saying, but that could be applied to almost any political statement. People interpret things about the United States in different ways. To me, it doesn't completely change the flavor because it's religion specifically.

17:26Like people will every politician wants to paint an issue in the way that they see it. Whether or not it's 100% aligned with what the Constitution actually lays out. To me, I don't have like this sensitive air. Not I'm not saying you guys are being sensitive, but I'm saying like I don't I don't do a double take just because it's religion. But it's it's a part of free speech to me. Yeah, but like I didn't lose any sleep over it last night. But I would feel like we'll said the same way that if someone for a different party who is an atheist, but a sitting senator and said we all know that it's all made up. It's all fairy tales. Everyone my way is the right way forward. Everyone here in Texas knows that no God is the way for the USA. But that would bother me. It should. It should bother everyone.

18:29And I think that's kind of the thing that one of the founding fathers were they were obviously brilliant a lot of ways. But one of the reasons they did not get specific on this is precisely so that we didn't have anyone claiming that our country was about one particular belief system. And raise to your point, I don't think anything should happen to Tim Scott. I don't think he should be censored or anything like that. Just personally Dave, it made me uncomfortable to hear such a full, threaded endorsement of one religion as the religion of the United States. I guess it doesn't surprise me because I feel like the right has been doing this for a very long time. Oh, sure. This one was just a little extra. But also, I'm not surprised. I'm just, I think it's stupid. I think it's wrong. I think it's, it's, it's, it can be dangerous. When you have a small group of people telling everyone else my way is the right way.

19:29You're a pro at running your life at committing to your workout at showing up every day at bombas were pros too pros at making socks. Our sportist, orbin has specialized socks for whatever sport you're committed to running hiking golf, pilates and so much more. Mabes sweat wicking yarns, blister fighting details and targeted art support. Bombas sport is pro level socks from the pros of socks for another pro. You go to bombas.com slash audio and use code audio for 20% off your first purchase. That's bombas.com and use code audio. New shoes, new clothes, brand new grade. Switched a Verizon to make sure their tech keeps up. This back to school season buy or bring any Android phone and get a Samsung Galaxy tablet on us. Get your kids ready for the school year without breaking the bank. Visit Verizon.com or your local store today. Bring an Android phone or purchase a new phone with device payment on post paid service plan required. 329.99 tablet device payment purchase with new mine on $20 per month tablet plan for 36 months required. Less $330 tablet per month credit applied over 36 months additional taxes fees in terms of apply.

20:30Compact? Capable? Surprisingly roomy. Always forward with Kia. My apartment garage in Los Feliz was clearly designed by someone who never had to open a car door. That's where my Kia Salto's just fits. With room for work bags, yoga mats, groceries and whatever I accidentally buy at the Rose Bowl flea market. Small SUV, real cargo room. I've got turbocharged power and all we'll drive for the days LA decides to be more mountain than city. The all new Kia Salto's is built for the way your life actually moves. Find your way forward at Kia.com. Kia, movement that inspires. Summer break is here. I want my kids to have fun, but I also want them to keep their skills sharp. Between vacations and sports, I need something that fits our busy schedule without adding stress. That's why we use IXL. IXL is an award-winning online platform that helps kids truly understand what they're learning. Whether they're building math confidence, strengthening reading and writing skills, or reviewing science concepts. From pre-K through 12th grade, IXL offers personalized interactive learning that adapts to each child's level and pace.

21:32It's proven to improve grades and one subscription covers every child in the home, saving us time and money. It's trusted nationwide. And in fact, IXL is used in 96 of the top 100 school districts in the US. Make an impact on your child's learning. Get IXL now. And listeners can get an exclusive 20% off IXL membership when they sign up today at IXLlearning.com slash audio. Visit IXLlearning.com slash audio to get the most effective learning program out there at the best price. Luke says that the birds of the nation, they were required a declaration of faith and to prove that they believed in feared God to hold political positions. Luke, I would love to see your backup for that because it's simply not true. Just the founding fathers, just the people who signed the declaration, there were deists, there were theists, there were agnostics, there were atheists, Thomas Jefferson famously wrote the Jefferson Bible where he took all of the miracles and the supernatural things out of the New Testament and just left the parts about Jesus and his wisdom.

22:44So no. Okay, but there's also there's also article six of the Constitution that they wrote that says no religious tests shall ever be required as a qualification to any office or public trust under the United States. That's not very ambiguous. That's pretty clear. There is no test. Yeah, not for them. Not for us. Never. Yeah, I would never argue that our country wasn't set up largely, you know, by by religious people. Sure. Based on Judeo Christian ethics. Absolutely. But they were also running from religion and religious tyranny. Right. Which is why they came all the way over here. One of the reasons. Right. And said, guess what? We're not doing that again. Everyone do what you want to do. Where would you dig? You know, because so many of them were being persecuted for their beliefs by the kings and the places where they lived. Yes. Look in around the house.

23:50But back guys, D. T. S. N. K. M. O. X. Everybody's stewie is here from Stewart's American mortgage. Always good to see you. Nice to see you too. Not as good to see it here as it is ballpark. Oh, come on. It's dogs. You know, the cardinals. It's always more fun. Yeah, yeah. I walk by it every time just to see if you're working back there. Just be like, what? Tell me when you come. Oh, I usually don't know. I will do that. I will do that. So what to do with you? Just how are you? Everything's doing great. Life's good. Beautiful wife. Great kids. 11 St. Louis, Missouri, which people don't realize is such a great town. And it is true. And you're looking pretty good too. Thank you. I'm just a little weight. Are you? So what happens when you don't sleep? How are you doing? Oh, yeah. Plenty of time to sleep when you're dead. When you haven't saw me. And then it's dead. It just carries over. So lots to talk about when it comes to mortgages. People are seeing the news and like, oh, the interest rates are going up. And you educated me.

24:59The difference between the mortgage, the interest rates that we hear about from the Fed and the interest rates you get on alone. So they wouldn't cover that a little bit. Sure. But then just kind of give us the help people feel a little better that they may be able to do something. Well, I think it's a potentially get worse before it gets better. Okay. So the Federal Reserve is meeting next week on the 15th and 16th. Their backs are a little bit against the wall. So Kevin Warsh, who's the Fed cheer is probably going to see, well, you know, inflation is kind of soaring. You got to remember though a lot of the reason why it's soaring is somewhat temporary. It's what's happening in the Middle East. So as oil prices go up, I think we've hit the high hours of barrel recently. You're going to see inflation, obviously, tick up accordingly. But that's ultimately going to come to an end. So I think these interest interest rates increases our temporary. Okay. But Kevin Warsh, who's the head of the Federal Reserve, has to keep things under the lid a little bit. And based on what he's going to see this Friday, which is the CPI reports come out this Friday, there is a potential that he's going to raise interest rates maybe a quarter percent.

26:02He may even raise it one more time a quarter percent before the end of the year. And so you're seeing overall interest rates go up. When the general interest rates go up, mortgage rates follow, you know, they trickles down and mortgage rates go up to. And so people are getting scared. Hey, all of a sudden what's going on? He got to realize though that when the Federal Reserve is raising those interest rates, what they're doing is they're dissuading us from going out and buying products. If it costs too much money to buy a car, you're not going to buy the car. If they're less people buying cars, there's more supply of cars than there is demand. The prices go down. So the Kevin Warsh wants that to see that happen, even if it's temporary. On the flip side, you have a Treasury Secretary, who is a peasant and percent and he he's saying, you know what, we want to keep these interest rates low because we think this is temporary. Therefore, we're going to be buying these mortgage back securities and these treasuries. And when they buy the treasuries, when they increase the demand and his less supply, the people issuing those bonds can lower the yield and you'll see interest rates going down.

27:02So we're going to be buying them our butting heads with different philosophies of what to do. And I think there's going to be a happy medium. And the meantime, the markets are a little bit scared. Interest rates are going up. Of course, the way I've done things over the last 30 years or so, every challenge has a solution. And we present that solution two months ago. It is hot to try. I think on every single purchase or 90% of the purchases we're doing, people are taking this product. It's a great product. And if you let me know, I'll expand on it. So if you're buying a house, okay, we're going to give you 1% discount on that interest rate. So if today's interest rates are six and three quarters, you're going to get five and three quarters for the first year. You can combine that with the bagel alone with no closing costs. So here, you're getting the interest rates of what you had before this whole Iran situation, maybe even a little bit better. And it gives you an opportunity to ride the wave of the what's going on with right now in the Middle East. If you're going to come down interest rates will drop back. You can refinance for free with the bagel alone. You'll be able to get into the house of your dreams, pay the right price and be able to afford the payment.

28:08If you wait until afterwards, if you wait to those interest rates drop, you're going to be with everybody else that's worried about those higher payments that are going to come out of the woodworks, you're going to have more competitive offers out there to buy that home. What's going to happen to the prices they're going to rise. So your best bet, especially going into the winter months, buy now, get the 1% discount for the year before the interest rates turn, you should have better rates in general in the year. Refinance for free, you'll be way, way ahead again. This is the solution to what's happening right now. And I think everybody should take advantage of it. And I think our people buying it and saying, hey, why would I want to win a wooden? I want 1% less, right? Yeah. This morning, we closed a Glover listener, by the way, saving $403 a month for the first year compared to the prevailing interest rates. That's a lot of money. Nice. That's a lot of money. And these are for new 30-year mortgages for our friends out there listening who are interested in a debt consolidation or refinancing. How should they be thinking about this? What are the numbers that go into that?

29:10So first, it's also now for 30 year, but you can do it on a 15 year or 20 year, okay, straight mortgage to if you're considering consolidating debt, that's another challenge that you're going to be into because if the Federal Reserve does increase interest rates, home equity lines, a credit card rates are going to be immediately impacted. You're going to be paying 20, 30% on those credit cards easily on the home equity lines, you're looking at rates that are probably an average over the 10% mark. So if you're in that situation, you're saying, what am I going to do? My debt starts to build. People don't realize we had a customer that came in a year ago. He had no debts today. We're refinancing him. He's paying off $60,000 worth of debt. So all of a sudden out of the blue and you know who you are, you're in this situation when you have this massive debt cash flow is key. You can salivate the debt, get a fixed rate. Don't please don't get those home equity lines of credit. If you're eligible for the regular financing because those are going to be sky-high interest rates, they have no caps before you know it.

30:10And most importantly, with a home equity line of credit after a couple years, you have to pay back the full balance or they hit you with a 15, 20% interest rate and a short term, you got to pay it back. So be smart. Do a cash out refinance and prove you cash flow later on interest rates drop. You can always refinance for free. The key is not the interest rate you're paying. The key is getting yourself in a position where your cash flows improve because cash flow means better quality of life. We're really quick story. We had a situation of a couple, the biggest stress that you have an average in general, most people's marriages, I don't know maybe, is a financial stress. Okay, and that causes everything else to be hard. They were close to getting a divorce because their life was miserable. He had a very low interest rate on his first mortgage and they had a huge amount of debt. We consolidated it. His cash flow was improved by $4,000 a month. Six months later he called me and he said, you know what, it's doing. You saved our marriage and we're happier than we've ever been. Now I understand that every marriage has to withstand challenges and you should say everything should be great. But these are the pressures of life. So remember, you're making money and you're trying to get a better quality of life for life, not for the interest rate.

31:23If you can improve your situation, take advantage, go ahead and do that consolidation. You'll live better, you'll breathe better, you'll enjoy life better and that's what it's all about. Okay, let me see if I understood that because I don't understand this stuff as you know, a word guy, not a number guy, but let's say someone is sitting at a 3%, but they have a lot of debt over COVID and stuff. And so now they've got 100 grand and just unsecured debt that they're afraid to go to a 6 or 6 and a half, but don't be totally focused on that because that's not the real measure of what your life is going to be. It's more about, hey, if you can get rid of all this stuff and you can save the, like you said, 4 grand a month better cash flow, don't get so hung up on that interest rate. Right, people say, oh, I got a 2% interest rate on my mortgage, I got it during COVID. And what you have to look at is how much you owe at that lower interest rate versus how much debt you have. So if you have a $500,000 mortgage and you're a 2.5% and you need 40 grand, we have other products we're going to give you.

32:28Okay, give you a fixed rate second for the remaining amount. But if you have a $200,000 mortgage of 2.5%, and you have $100,000 or $100,000 in other debts you have to pay, maybe you also want to do some improvements, whatever the situation is. You've got to be looking at the bigger picture and don't grab or stay with that 2% just to kill yourself over paying 10 or 20% on everything else. You got to look at the whole picture, what you're paying overall. And that's the key. We had a veteran comment he says, I have a VA loan, you know, I'm at 2.5%, 3% the guy couldn't, didn't have money to pay for food on his table. He said, I'm starving, my kids are starving. I can't make my bills and stuff like that. I said, look, let's consolidate that you can borrow up to 100% of the value of the property. He writes low, no PMI, he said, you can do that. He had a little credit score because of the debt 620 credit score. We did it for him. And his life changed immediately six months later because this credit score improved. We able to redo it again for free and give him saving me even more money. So you got to look at the whole picture. If you're shopping for a mortgage, the worst thing you can ever do is go to a big bank or something online.

33:34These people are not going to give you financial advice of what's best for you. They're going to say, okay, you want a 30 year fixed mortgage here is what it is. And you got to look at, you got to be have a relationship with somebody that can give you the proper advice. Yeah, that makes total sense. It does. Anything else need to let people know? Keep in mind that you got it that later on things will go down. Do the debt consolidations now. Obviously the purchase prices and are still competitive. We have 13 offers on a table this morning. By the way, our customer who was competing for the house that got 13 offers. We were the fourth highest offer. We were at number one. But every of the lender in town takes three weeks to 30 days to get their loans completed. We actually were able to close them in 10 days. That's why this is not our ticket. So you got to look at how can that lender get done things quicker for you? What are the costs relating to it? You know, APR is very important. We walk around and ask people, what's APR annual percentage rate? Nobody knows.

34:36Oh, I see it on my credit card. What is it? Well, when you go from mortgage, an interest rate is not what only counts. It's what you're paying to get that interest rate. And if you're going to get a rate of six and a half percent, but it's going to cost you eight or $10,000, you're actually better off with six and three quarters where it's going to cost you nothing because the difference in the interest rate you're never going to recover in a reasonable period of time. It's not worthwhile to do. So that's how you compare. So APR means annual percentage rate, what your true cost of money is. And when you're shopping mortgages, don't shop the note rate. Shop the APR because that's what's telling you what you're really paying for at the end of the day. See, I'm not just blowing smoke. That's more information from you in 10 minutes. The most people get from other mortgage guys the whole time. I think it's more information than most loan officers know in the mortgage industry, believe it or not. Yeah. All right, buddy. You can call or text Stewie on his cell phone 314 324 44 4314 324 4440. See you soon, man. You know, I think you and I have to go play golf. I'll make you look good. Are you good? No, I'll make you look good. Let's go now.

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36:54Compact, capable, surprisingly roomy, always forward with Kia. My apartment garage in Los Felices was clearly designed by someone who never had to open a car door. That's where my Kia Salto's just fits. With room for work bags, yoga mats, groceries and whatever I accidentally buy at the Rose Bowl flea market. Small SUV, real cargo room. I've got turbocharged power and all-wheel drive for the days LA decides to be more mountain than city. The all new Kia Salto says built for the way your life actually moves. Find your way forward at Kia.com. Kia, movement that inspires. Summer break is here. I want my kids to have fun, but I also want them to keep their skills sharp. Between vacations and sports, I need something that fits our busy schedule without adding stress. That's why we use IXL. IXL is an award-winning online platform that helps kids truly understand what they're learning. Whether they're building math confidence, strengthening reading and writing skills, or reviewing science concepts. From pre-K through 12th grade, IXL offers personalized interactive learning that adapts to each child's level and pace.

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38:59Welcome back to the DS150. Now I got a fight with Jake. I'm just being pissy with people on stream today. He says nothing but ads. I don't know what he means by that. But I'm going to guess. It's happened, folks, still being on me doing so many live endorsements. Let me just push back. No one has ever done as many live endorsements as I have in my 26 year career. That's just you can ask wheels. That's not even close. I don't apologize for that. Station doesn't apologize for that. Every other station, every other show would do as many as we do if they could. But they can, but we can. We do. It means a healthy show. It means I get to keep doing it. It means you guys keep to keep listening. As far as having clients on, Android say three times a month, probably average. We have a client on. We do 16 segments a day. That was one. I think that's fine. But if you don't, you don't have to listen or you can be mad at me or whatever. But like every now and then we hear that.

40:04And I just wanted to kind of say like here's the reality of the business. Here's the way the business works. And there are so many of my live clients who've never been on the show. Because what they do is meaningful, but it's not going to make a good segment. I thought that segment was stewed right there was great. Like I learned a bunch of stuff. I didn't know. Right. So there you go. That's it. And as we'll point wheels point wheel. I'm just going to start calling. That's fine. We'll raise as we'll point that on the break. That's what pays for the show. Not necessarily stewies appear. It's just there. But the commercials we have. Yeah. We don't like get paid to show up and do this every day. That's why radio's free product. Yeah. I mean, it's one thing. If we were like it's 1499 a month to listen to the DGS. And then we in undead with ads. But you are getting a free product. Yeah. We're not hulu. Right. And making your pay and showing us. It's not like it's lost on me. You know, like I get mad every time I go to look at a story on a website.

41:07And 10 ads pop up makes me mad too. It annoys me. But it's like, okay, let's cost to do in business. Right. You are intrigued by the new foldable iPhone. I am. I am intrigued by the iPhone duo. So foldable cell phones have been a thing for a while now. There's several models that are Android operated. But Apple just had an event yesterday and they introduced the iPhone duo. And I think it looks really, really cool. I'm more excited for this than I have been for a piece of tech and like as long as I can remember truly what's cool about. I think it's cool because it's like having a little. A little, little, little iPad that you can fold up and put in your pocket. And you can use several apps at the same time like side by side. So you could maybe have like your maps app open and then your Google documents open. If you're making a list or something, that's really intriguing to me.

42:08And it just seems like like nice quality. I don't know. It's just nice to be excited for something. Now will I buy this? No, it's a little too expensive. Yeah, it's just under $2,000, which is too much for me to justify spending for a phone. And it's honestly such an enticing product that it would just lead to more screen time for me, which I don't need. So I'm going to stay away for that reason too. But I know I just think it's cool to see something like nice and quality come out. Wall Street Journal. Did a little video about it. The lady who got her hands on it. And she said she needs more time with it, but it's her favorites foldable cone thus far. Yeah, I'm not seeing. I'm like I've seen the ad. I'm not held one. I really want to hold one. I might go to a best buyer. I can't even imagine. I have played with just very recently, like last week week before I played with a foldable Android at a. Is it rubber? My wife is dish. She wants one so she's wondering whenever since they were new. She's one of the foldable Android's. Yeah. No, it's not rubbery at all. It feels like a regular like phone, but it's just got this.

43:20It's pretty amazing technology. Honestly, the ability to like fold the first time you folded, you're like terrified that it's going to like, you know, crack it or whatever. Now the shape is going to it's not like my iPhone times two. It's a little shorter in squatter. But then it. Oh, it's a lot squatter and a little shorter. So it's going to feel different in your hand. Old day and it's like a wallet. Yeah, just slightly. And then it doesn't have quite as nice of a camera as like the iPhone pros or what have you. But I don't know. I just think it's cool. Like the the radio check. Phone salesman in me was like this is exciting. I can tell the hell out of this. Absolutely. Just like Apple care with that. Heading back to campus timed web grade your entire tech setup switched to Verizon buy or bring a qualifying smartphone and get a smart watch and a tablet on us. That's all your essential gear for zero extra dollars. Ace your classes, track your fitness and stream your favorite shows. Visit Verizon.com or your local store today.

44:20Bring an eligible phone to purchase a new phone with device payment on post-paid service plan required up to $649.99 watching tablet device payment purchase with new line on $20 per month tablet plan and $50 per month watch plan for 36 months required. Less up to $650 per month credit applied over 36 months per device additional taxes fees in terms of. Let's clear the air about hybrids with Kia. I live in Pasadena so my Kia Tell You Ride Turbo Hybrid has to do a little of everything. School bags, speech chairs, a grocery run, I swore would be small. And somehow there's still room in my sister text. I'm landing in Burbank, come pick me up. It seats seven has over 600 miles of range and makes the 134 feel a little less like a test of character. Space, range, flexibility, the Kia Tell You Ride Turbo Hybrid is built for the way LA moves. Find your way forward at Kia.com. Kia, movement that inspires. At Vista Print, we know you've got that idea for your business. Like the one that nails the trade show, levels up your brand or makes your team say, we're really doing this. But an idea is just an idea until it's printed on signage, giveaways, custom apparel. Once it's in my hands, on my team, out in the world. Then it's happening. It's so happening. Vista Print has thousands of products, easy design tools and real support to turn that idea into something possible.

45:28Print your possible with code new 20 for 20% off your first order at VistaPrint.com. CNBEDN reaches a boiling point in one of the biggest fights of the year. The best part, there's no pay-per-view. The entire event is included with your Paramount Plus subscription. Saturday, September 12th. Stream Zoufa Boxing's Ryan Garcia versus Connor Bed. Live on Paramount Plus. NERD! Today's episode is sponsored by NerdWellIt's Smart Money Podcast. Ever Google a money question and end up 12 tabs deep with 12 different answers? This podcast is your shortcut back to clarity. NerdWellIt's Smart Money Podcast breaks down financial decisions with a team of trusted journalists. They explain the why behind decisions like investing, home buying and choosing credit cards with clear research-backed insights. No jargon, no misinformation. Make your next financial move with confidence. Follow NerdWellIt's Smart Money Podcast on your favorite podcast app.