The Ron Verb Show - Full Broadcast from Friday, 08/14/26

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What's going on? I'm talking locally here in Mahoning, Trumbull, Columbia counties. We are a pretty stable market right now. You know, for the last couple of years that had been a seller's market, it is transitioning a little bit into a buyer market and certain price points and everything. But... overall, just very stable, even market right now, which is nice. All right. So it's a good opportunity for the buyer. Let's put it that way. Yes. Yes, a better opportunity for the buyer than it has been the last couple of years. Were you surprised if we spend the clock back to when homes were priced, you know, let's $250,000 and you would get offers that would be well beyond what the asking price would be? I mean, was that kind of just shocking as a real estate agent? Something that hadn't happened, I don't think, too much over the years. It was very shocking. I've been doing this for over 20 years here in the Valley, and it was a market that we had never seen. You know, it got a little wild. Yeah. Now, I have always been told the sweet spots in Mahoning County, do they remain Canfields and Poland? They seem to be the sweet spots that a lot of people want to go to. They are, yes. Austin Town and Struthers also pretty popular. You know, a lot of the outlying areas, some people want to be in the country. Some people, you know, just depends on the person. But Austin Town in Canfield do seem to be, or Poland in Canfield do seem to be the most popular. Are you surprised? I mean, you've been doing it a long time. How much houses have appreciated in value that, let's say, the $175,000 houses now, what, $250, or maybe even more than that? I am surprised. I feel like I'm showing my age a little bit because when I was younger and my grandfather was in real estate, we'd drive down the street and he'd say, oh, I remember when this household for that much. And I find myself doing that to my kids now. I mean, they've really escalated in price. Are you seeing they say the first-time homebuyer age today is around 40 nationwide? I don't know if that's the case here or not. Are we seeing older first-time homebuyers? We are, it's younger than that, late 20s, but it used to be early 20s, so it has gone up. It seems like people now want to finish school and start a career a little bit more before they get married and buy a home. We're seeing people in their professions that can afford to buy and that have good credit and everything else that are still renting. So it's interesting. Do you ever drive through some of these wealthier neighborhoods, whether in Boardman Park Harbor, every community has the wealthier neighborhoods? I mean, you see a lot of them in Canfield. Do you ever drive through them, Kelly Warren, and say, what does this person do that can afford this home? Sometimes. Sometimes you wonder. There is a lot of money here in the Valley, surprisingly.

That's a good thing to have. I mean, that we have that we have that kind of stuff. So time on markets, still relatively short for the seller. I know it's longer than it used to be, but it's not a long period of time, right? How's inventory? Yes. Inventory is good. Time on market for the sellers is a little bit longer than it was. We're seeing closer to an average 45 days where, you know, a few years ago we were seeing things selling hours. But still very quick, you know, 15 years ago, we were seeing things with an average six-month time on the market. Now, does interest rates have an effect? I mean, they haven't raised, the Fed hasn't raised him. But do you remember Kelly Warren, as I do, when I was a young man, and we would refinance to get our interest rate down to 6%. We thought that was fantastic back in the day. Now we got so used to what these low interest rates that people are belly aching about, what, 6, 6.5, 7%. Yet, you know, when they were as low as two and three, six and seven seem high. So we've got to get people reused to what normal is. Over 30-year averages, these are still relatively low interest rates. But when you're looking at the last five years, it does feel high. How important is it when I built Verb Banner years ago? I mean, I always thought it was important to have 20% to put down to avoid PMI insurance. Do with inflation and... the high price of a lot of homes, is it more difficult for people to have 20%? The smart move is to have 20% down, but we're seeing less people do that. Obviously, you can avoid the PMI with the 20% down, but renting is not as smart as buying. So if you can buy with 3% or 5% down and pay the PMI, it's still a better return than renting. Let's talk a little bit about, do we have the problem in this area that we hear so many people talk about, these large corporations buying a lot of single family homes? I know that's been a problem mainly in the sunshine area of the country, but did we have that here with these companies buying huge single family homes? No, we don't have that here so much. We do see that in Lake Florida. Where that affects our market, if somebody here who would retire and sell their four-bedroom, two-story colonial, and move to Florida, can't find inventory there to buy. So then they fold onto their home longer here, which was creating a little bit of an inventory shortage for us. So it's not that we had those big corporations buying here, but we had people holding onto their homes longer, and they weren't turning over for that younger buyer crowd. I think in the last year or two, that's less of a problem. And I think in the next year, it'll be less of a problem as the Florida market softens up. Yeah, it's been softening up for quite a while now where we see prices declining.

uh in florida so that's that's a good thing for people that are buying there of course if you buy anywhere close to the to the water that's going to cost you an arm and a leg in insurance now how much of your job i'm talking with uh everybody knows kelly warren and kelly warren real estate how much of your job is like counseling people to say okay we're going to go through all of this here's probably the price range you should be in Because once you buy this home, you have an electric bill, you're going to have to buy groceries and kind of to do financial advice for these first-time buyers or any buyer. We joke and say that our job as real estate agents is like therapist and counselor and friend and loan officer. You know, we're doing a little bit of all of it. So some financial planning and counseling with them is necessary on our end. But a lot of that they are getting from their loan officer. Their loan officer is doing the job of telling them, you know, you can afford up to this if you're comfortable with a payment of. $2,000 a month. But if you only want a payment of $1,500 a month, then even though you're pre-approved for $300,000, maybe you only want to spend $2,000 and a quarter. So, you know, their loan officers having a good chunk of that conversation with them. How difficult is it for you as really the king of local real estate, or the queen, I should say, of local real estate? How easy is it for you to go into a house and tell a potential seller, listen? You're going to have to change the carpet. You're going to have to paint the walls. You've got to clean the place up a little bit because it is sell easier and we can get more money. It is a conversation that I have every day and they don't have to do it. You can sell your home as is, but if you're selling it as is, be aware that you're going to get an as-as price for it. So pretty often when I go in and meet with somebody, I'll tell them, you know, in current condition, we can list your house for X. And if you do a little bit of elbow grease, a little bit of paint, maybe some new carpet, you can get 10, 15, 20,000 more for your house. So it's just a matter of whether they want to do that work or not. And in this society, you know, when you think about how everybody wants something right now and the DoorDash kind of mindset, some of these sellers don't want to do those things. They'd rather leave 20 grand on the table, just sell the house as is, let the next buyer come in and do it. So you've got people looking at it both ways. But I would think a lot of buyers so want to just have like move in ready. I mean, is that the mentality? It is the buyer preference, yes. What would you say in our area is the sweet spot as far as price is concerned? I mean, what would that price range be that is the right price area where you know it's going to sell pretty good?

Under 250 is selling all day, every day, not sitting on the market too long. You know, most people can afford that. I believe last I looked, the average price point in the area was like 168, which is up quite a bit. Just a few years ago, it was only 125. So things have changed inflation and such. But we're still, average price point for the Honing Valley is still under $200,000, which nationally, that average is crazy. When you see some of these homes that... that I see for sale, like there was this real expensive home. I won't use any names that was for sale in Salem that's a guy had that was. And I thought to myself, What would it cost just a month to maintain that place? You know, I'm that guy, Kelly Warren, that's saying, what would the heating bill be there? Well, what would the maintenance bill? Where do you find a buyer for something like that? So you're looking at, you know, those, I think I know which else you're talking about, the one that was on the market for $3 million. I think the landscaping bill alone monthly on that in the summertime was over $20,000. So, you know, when you're looking at shrubbing bushes and cutting grass and keeping it looking as pristine as it looks, you've got taxes, you've got insurances, you've got heating bills, and that does get quite expensive. So even when you've got the money to afford the mortgage payment, there are other things to consider. Yeah, those are tough ones to sell, aren't they when you get into those homes that are, that we're talking million or more? There are, they are tough because at that price point, of course, for a million dollars or more, you're wanting exactly what you want. And some of these homes that are at the million dollar price range are still, you know, 20, 30, 40 year old homes that need some updating. So you don't want to pay a million dollars for a house and then want to go in and update everything and put a couple hundred thousand more into it. You do want that move in ready. How big an issue are property taxes? We talk about them on a program all the time. And that's a fun topic right now. It is just, it's brutal because, you know, I look at my own, I look at Verb Banner and I'm saying, you know, it's $400-something a month just that I'm paying in property taxes. And it's, it gets discouraging. And when you're trying to sell a home, and let's say the payment's going to be a couple thousand plus the property taxes. Plus, you've got to get insurance if you have a loan. Give me your thoughts on that because property taxes, as they continue to raise them, I think it makes it more difficult for young people and first-time home buyers to be able to afford a home. It does, exactly. It raises, it limits the buying power. You know, when you're looking at that total monthly payment, what you could have bought before with a lower property tax rate and with only a two or three percent interest rate, now you're looking at six percent. You're looking at higher property taxes. Some areas are seeing higher insurance rates. All of that makes what you can buy now less of a home than what you could have bought for that same percentage before.

And those insurance rates, those tax rates are going up. And it can be a detriment, high property taxes to a potential buyer. I would be talking on a program, Kelly, to some people that would be paying $1,000 a month in property taxes. And I thought, who would buy that place and want to pay that forever or more? It's not an easy thing to even consider. Now, how did Kelly Warren, when Kelly Warren first started out in real estate, you know, when I go back to the early days, how did that Kelly Warren become the Kelly Warren that she is today, the premier real estate agent? I mean, take me through that from the beginning to where you are probably the best-known name in local real estate as a result of performance and results. That's how you got there. How did you get to that point? Separate yourself from just being Jane Bag of Donuts, like other real estate agents. Right. Yeah. I had been in real estate for about 10 years before my career started to change. In my early days in real estate, I had babies at home. And so while I was a full-time real estate agent because I didn't have another job, I was also a full-time mom. So my priorities were where they should have been. And then as my youngest started into kindergarten, that's when I was able to say, okay, I have hours a day where I can dedicate strictly to real estate. And I was able at that point to change my marketing and my advertising and really take things up a notch and, you know, start to be the brand that you see today. Yeah, and I mean, you're known for if we don't sell it, we'll buy it or the instant offer program and that kind of stuff. I mean, that's pretty big. That's kind of big. You don't hear that too often. I mean, that really puts yourself out there, doesn't it? It does. We started that instant offer program in 2016, so we're 10 years into the guaranteed sold in the instant offer right now. And twofold, you know, on the first side, we invest in real estate. So if a house doesn't sell, we're happy to buy it. We want to. have more ownership in the valley and be able to provide rentals and safe places for people to live. And on the other hand, it says that we know what we're talking about and we do guarantee our sale and we're happy to put our money where our mouth is. If I can't sell the house, I will buy it. I mean, that is really unheard of. I mean, so when you took it to that level, and when you started doing your advertising and just changing the whole model here, is that when everything took off and exploded like it is today for you? Yes.

That was all around the same time period. So that baby that went to kindergarten then is now going to be a junior in high school. But at some point you became, did you become, go from a real estate agent to becoming a broker? Yes. In 2018, I got my broker's license and we opened up Kelly Bourne and Associates as an independent brokerage. So we've been here for eight years now and things are going well. Is it hard to find good real estate agents? It is. I believe that we have found the best of the best. We have about 30 agents here that work at our brokerage, and they are some of the most wonderful people that I know. They're hardworking and they're loyal and they're honest and they have high integrity. And, you know, I want to work with people that I as a client would want to work with. So my agents do have those high standards. And I'm confident when somebody calls me, whether it's myself or one of my agents that's coming to meet with them, I'm confident that they're getting the level of service that I would want them to have. When you look at these expensive homes out on Lake Milton and reevaluations in a property taxes, do you cringe as a real estate agent like I did? Yes. I love Lake Milton. My mom has a cabin out there, and we spend some time at Lake Milton. I'm very fond of it, but I sometimes look, and I'm like, this is not the ocean. The home values are a little wild, even for me. All right. You've got a big event coming on. Let me do my commercial break, and you can tell folks about it. Stand by, Kelly, if you will. Thank you. All right. So we'll talk more with Kelly Warren, from Kelly Warren and Associates, right after this. IHod Radio. Give your home an energy up. And talk station 570 WKBN. 324 in the afternoon. We're on Verb News Radio 570 WKBN. Kelly Warren. I'm picking her brain a little bit here. We'll get to this. She's got a big event for you for free coming up. I want to hear about that. But first, do you get a lot of people, Kelly, that are coming to our area from other states since it's more affordable to live here. And we've gotten some good publicity lately. We do, yes, twofold. A lot of people who grew up in the valley and moved away as young adults and have lived their life, other places, move back at retirement age, you know, property taxes are cheaper, cheaper cost of living, aging parents. So we see a lot of out-of-towners that are Youngstown as a hometown that move back to the valley. And then we see a lot of people that find Youngstown area, a nice place to live and to raise children. So anybody who can work from home or that has a job in Cleveland or Pittsburgh or only has to go to the office, you know, I sold a house to somebody that works in St. Louis, but only has to go to their office one week a month. So they live here and just travel to work when they need to. Is Columbia Anna a hotspot? I mean, as far as growth and people buying new homes there or existing homes? Yes. People love Columbia. They did a good job a couple years ago with that tax abatement, so that drew some attention there. They were voted in that top happiest places to live. So Columbia has had a lot of good press over the recent years. You ever go to that?

gathering place down there by the restaurant and everything where they have the movies and the concerts. I mean, it's really kind of a... Yeah, very cute. It's a great idea, isn't it? I mean, it's just... It brings the community together. And that's important for an area for people to go. That's why when you look at Canfield with the green, I think that's an important thing. I don't know if you've ever been a city of Medina with the square up there. Yes. Yeah, all of those places that have those quaint little local areas, a lot of charm to them. In Canfield at that green, they do it. an annual tree lighting. They do their Fourth of July celebration there. They just revamped one of the larger buildings there and put in some smaller restaurants and an ice cream shop. So anytime that they're doing those things where it just draws your attention right back to the center of town, that's great. Have you ever gone in any of those homes to put them up for sale on Fifth Avenue, those mansions and walked in and go, wow, do you know what this would cost to build today or this type of craftsmanship isn't around today? Yeah, if you picked up that house and moved it to Canfield or to California, I mean, the value would be so much different than it is where it sits there on Fifth Avenue. But I'm very fond of those homes. My grandparents had a house on Volney along Mill Creek Park and that same kind of architecture and style that just, you know, it would be stunning if it was in the right area today. But those are fantastic homes to go tour. Are we seeing an interest for people to move into the city, Youngstown, for the affordability of housing in Youngstown, Kelly? We do, yes, with so many areas being open enrollment or with people that don't need a certain school district, we do see a large amount of people living in Youngstown that hadn't in years past. From the affordability aspect of it, as the suburbs continue to get more expensive. There's not, are there that, well, there's new home developments, but we're running out of land, aren't we for those? We are. Land is limited resource, so there's only going to be so much of it. We can't build any more of it. And once it's all built on, then you're only looking at revitalizing. But we do still see some vacant land and some new developments going up in Canfield and in some of those outer surrounding areas that had remained rural. Is there a shortage of condos? We're an older community, and I understand condos sell really fast. Yeah, we had a big condo boom in the last 15 years or so where a lot of condos went up and supplied that need. I don't know that there's a shortage right now, but they're certainly selling quickly and turning over pretty good. So it is, the need is being filled. Talking with Kelly Warren, you have a big event that you're going to be doing. When is this going to be? We sure do. It's tomorrow. So right now, as I'm talking to you, I've got a whole office full of people around me assembling bags and making signs and prepping for tomorrow's events. What is tomorrow's events? And what are you going to be doing? We are doing a back-to-school bash. It is a free community event. It is open to the public. Anybody in the area for school-age children, we're passing out free school supplies. And in addition to that, they can get lunch and get a little dairy queen snack. We're going to have free haircuts. a bounce house, some different face painting, break a board, touch a truck, boardman police and fire, coming out with the vehicles for the kids to climb through and look at. So all kinds of fun, free, family-oriented activities happening here in the Kelly Warner Associates parking lot tomorrow. Where is that parking lots? We are at 755 Boardman-Campfield Road, and we're on 224 near West Boulevard. What are the hours? It's from one to three tomorrow.

So from one to three tomorrow, just I want to make sure that people hear this. So from one to three tomorrow, I always sit back, gang, I've got to tell you something. I always say to myself, isn't it something that you get some of these people that are in business and they do stuff and give a bunch of stuff away for free? And I mean, that's kind of special. And so tomorrow is the day Kelly Warren has. Decided from one to three tomorrow. So if you have children, let me do my half hour break. Just bear with me a few more minutes. All right, Kelly, stand by. It is the infamous Kelly Warren of Kelly Warren Real Estate on News Radio 570 WQIN with a free event tomorrow. So if you have kids or grandkids, listen up. I'll make sure all those details get out there. Interesting to hear what she has to say about real estate and more when we come back. News Radio 570, WKVN. Bond is set at $2 million for one of three people charged in connection with the deaths of two women in Canton. 42-year-old Katina Spells and 31-year-old Courtney Yeager were found shot dead Sunday at the scene of an apartment fire on Allen Page Drive Southeast. Eric Lamar is pleading not guilty to charges including aggravated arson. a man is in the hospital after a stabbing last night near an apartment complex on blackstone drive in centerville authorities say the man called nine one one at around nine p m and claimed he'd been attacked by his girlfriend no other details have been made available so far the fairborn sweet corn festival is back in the miami valley this weekend The event runs tomorrow and Sunday at Community Park on Dayton Yellow Springs Road. Guests can enjoy a variety of food, live entertainment, and kids activities. Additional information is available at fairborn sweet corn festival.org. I'm Andy Betts. Listen on the free iHeartRadio app for all your music, news, talk, and sports radio. Podcast, too. Download the app. Free never sounded so good. Hard-hitting action, unforgettable moments, unmatched energy. Be a part of an experience unlike any other with TNA Wrestling Live. Step inside the steel cage on Sunday, August 23rd at Lockdown in Chicago. It will be carnage! See the biggest stars, including Matt and Jeff Hardy, Mike Santana, Elena Black, the system, and more collide on a night you have to see to believe. This is crazy! Visit TNAW wrestling.com for more information. Here's golf legend John Daley. Hell yeah, these wins are piling up faster than my divorces. I only spend on Moto, America's Social Casino. You know I've won a couple of majors. And on Moto, I've won majors, grands, and epic jackpots on their classic Vegas slots with huge, huge bonus rounds. Moto Casino adds new games and awards players, free coins every single day. Grip it and spend it on Moto Casino. Download the Moto Casino app today. Moto Casino is a social casino board where prohibited to purchase necessary visit moto.

Saturday, August 22nd in Tampa. Witness an MMA legend's final fight. Chris Cyborg, one of the greatest in history. She's an absolute pioneer in the sport. Defense her PFL world title, one last time. Unforgettable end to an unforgettable career. And still. Saturday, August 22nd live from Benchmark International Arena. For tickets, visit pfell. info slash Tampa. When it comes to your business, great promotions should do more than just get your name out there. They should drive action. And that's exactly what your business will get from a partnership with iHeart media. Imagine your business connecting with music fans and future customers through sweepstakes, ticket giveaways, listener contesting, and local media. Attach your business to high energy music moments built to help grow awareness, engagement, and leads. Get started today. Call 844-844-I-Hart. That's 844-844-IHart. Tyler Reddick here from 2311 racing. Victory Lane? Yeah, it's even better with Chumba by my side. Race to Chumpacasino.com. Let's Chumba. No purchase necessary. VGW Group. Void were prohibited by law. CTNCs, 21 Plus. Sponsored by Chumba Casino. Now, Ron Verb. On News Radio 570, WKBN. Interesting talking with Kelly Warren, because she's kind of on the front lines out there, gang, as far as what's going on. I mean, obviously if you own a home or want to own a home and that kind of stuff, get some info here. I'm going to get back to this event. You ever sell somebody's home, then they buy another one or move, and they miss their old home, and they want to buy it back? I have not had them want to buy it back. I have had them call and say that they miss it. We're a little bit tied to our homes emotionally as much as we just live in them. All right. I'm just curious. All right. But this is a great community. I mean, we've got a lot of economic development that's going to be going on here, Kimberly Clark and a lot more. So, I mean, strength-wise, I would think more people that are going to be moving here. Not just because we get some great national reviews, as you heard the Chamber say, number one, and much to their surprise about housing here. And that's a good thing. And people moving here from other states. So there's a lot of good news for our area, right? There is. There is. It's really... You know, I feel like the Mahoning Valley is pretty underrated. It's a wonderful place to live, and I wish that more people knew that. But on the same hand, I want to keep it small and local and wonderful like we have it, so don't let the secret out too far. Right, because you don't want to get tied up in like that I-4 traffic in Florida and that kind of stuff. Right. You want to be able to get from point A to point B and enjoy it. And that goes for Mahoning and Trumburg counties in Columbia County. I had always heard that a lot of people were moving from Cranberry to Columbia County because it was a lot more of Fort to live there. It is so much more affordable and such an easy commute. Absolutely. All right. Now, once again, Kelly Warren's got a free event. So if you have children or grandchildren, whatever the case might be, what are the ages do you think of the events catered for mainly?

school-aged, so anybody from kindergarten through high school. Well, school age for me was anywhere from kindergarten about 27 by the time I got out. I don't know if somebody that's 25 wants our binders and notebooks, but if they need them, they're welcome to come by. All right, so what are you giving away tomorrow? Pay attention, folks, and this stuff is free. All right, you know, what free stuff will Kelly Warren be given away tomorrow on 224 there? It is free while supplies last and the student needs to be present to receive. But we are giving out back to school supplies. So everything from glue sticks and crayons and pencil packets to book bags. We are giving lunch. and there'll be some dairy clean treats and a photo booth and a DJ and a bounce house and all sorts of just free entertainment for the kids and for the family. No charge to get in, stuff given away for free. It happens tomorrow. We should have good weather too, incidentally. It's happening tomorrow. What time once again? From 1 o'clock to 3 o'clock. And where's this going on right by 224 and West Boulevard, the Kelly Warren offices in that area? Correct, yes, 755 Boardman-Kanfield Road. You'll see the moving truck and the activities going on. You won't miss it. Well, all right. I think that's really something when people do so much and give so much for the area. And it's a wonderful event for people. And so folks, if you've got kids in school, swing on by and say hi to Kelly Warren and grab a binder and a glue stick and all of that kind of stuff that's going to be given tomorrow. All right. Any other words of wisdom you can give me, Kelly, before we part ways. I mean. It's been a wonderful, wonderful experience here, just looking at it. Yeah, I think we covered a lot of ground today, Ron. There's a lot of ground to cover. I'm optimistic about our area. We do have affordability in every aspect. We have high-priced neighborhoods. We have affordability. We have middle-class neighborhoods. And when I read to our people where we do so well on these national polls, Kelly, national polls that weight us so high, it doesn't surprise me. at all. I mean, and I just look at it. It kind of makes me... Makes me smile, and we say, you know, this isn't. It's a good place to live. It really is a good place to live. Oh, we've got to put up with winter. But sometimes we have mild winters and that kind of stuff. And the Canfield Fair brings a lot of people to town, too. So keep all of that in mind. A lot of great stuff. All right, there she is. The queen of real estate is what I would say. I mean, when it comes to real estate, everybody knows Kelly Warren. All right, Kelly. Thank you for your time. Thank you, Ron. I appreciate you. Thank you.

you, Kelly Warren on News Radio 570, WDKUYN. How about that when somebody does something totally for free like that to give stuff away to kids? I mean, that's really special. I mean, it takes people with a good caring heart to do that kind of stuff and give it away to... People for free. That's a really noble thing to do, isn't it? All right, 330, 72997, and we'll get you through to us. That's kind of a positive, and a lot of positive stuff. You know, we talk a lot about our area and community, but we really have scored well here. I don't know if you've looked at some of these, I don't want to say surveys, but results nationwide where our area is scoring quite well as far as an area to move to. Not move from, move too. And they look at our housing stock, the affordability of being able to buy a home because we have all types of price ranges here. The ease to get from point A to point B, we're not so congested that it's difficult to get around. I mean, there's a lot of good things. Tons of golf courses. A lot of great shopping, whether it's on 224, 422, a lot of things to do. People always brag about Mill Creek Park and the Butler and the Poland Library and how beautiful it is. We try to keep that going and alive. And so many other things. Just the local food and restaurants, just the great stuff that we have in our community. It is a special place. And I think it's interesting. It's becoming more of that over the years as time goes on. So there you have it. All right, so let me see here. You're on the ear. Real estate. Is the Robert F. Kennedy Jr. Center good of real estate? The Robert F. Kennedy Jr. Center, you mean the Robert F. Kennedy Jr. Trump Center. Remember when he wanted to put his name on it, too? That was ridiculous. Yeah. No, no. It's a, the Robert F. Kennedy Jr. is considering keeping it open. Do you think there's going to be a lot of traffic? It's the, do you call it Robert F. Kennedy Jr. Center with the Dr. Jesus as the head of the Robert F. Kennedy Jr. Center? Are you talking about the Robert F. Kennedy Jr. Center, right? Yes, in Washington, D.C. I think that's right. Right. It's the Robert F. Kennedy Jr. Center. It should be called the Robert F. Kennedy Jr. Center because it's named after I think John Robert F. Kennedy Jr.. How about that? I get a little tired of Trump or the people around him wanting to put his name on everything. I think it gets ridiculous. But yeah, the Robert F. Kennedy Jr. Center is going to be there. Now, why do you care? You sound like you're a little discombobulated when you're... calling me on a phone. Have you been drinking today, sir? I want to look at my finger. Follow my finger, all right? I want to make sure that your eyeballs are following my finger. I'm going to do a radio sobriety test here to make sure that you're not inebriated or maybe smoke and dope, all right, on your phone call. And you think I...

I can see your finger. Yes. This one right here. Are you seeing this finger? I want you to follow it with your eyeballs. Back and forth. Back and forth. You sound like you could be inebriated to me. Have you been drinking? I smell alcohol. Are you delusional? Yes, I am. You like your choice and... The party you... Yes, I am a member of... Yes, I'm a member. Yes, the Republican Party, and it has disappointed me in many ways, but it's so much better than the Democratic Party or the Democrat Party because I don't believe a man can have a baby. I can define what a woman is. I don't believe in an open border that people could just come in here and invade this place. I don't believe that we should have people who are men who claim to be women participating in women's sports. I don't think we need more government programs to hand out more money in a country that's $40 trillion in debt. Yeah, so I'm real content with the party I'm a member of because of the two parties. You have the Democrat Party that's becoming a socialist party that thinks that doesn't believe in personal responsibility or personal achievements and thinks we should tax to live in hell out of you and give it to somebody that hasn't made that effort. or that if you're a man, you can declare yourself a woman, or that you can be presidents and not even know what day of the week it is and will cover your ass during the entire time and act like your sharpest attack. Yeah, yeah, I'm really comfortable with it. Thanks for asking. You're on here. Ron, I got a question asked you. I think a week ago or two weeks ago, I can't remember the number that you said. I don't know if you meant in the United States with the housing market or in the state of Ohio about the foreclosures. I think you said 575,000 houses were in foreclosure. No, no, no, no. I said 575,000 houses in the state of Ohio are delinquent on their property taxes. Or delinquency. That's the property tax. Okay. It's the highest it's ever been. That's a lot. Yeah, I mean, in a state of Ohio, I mean, when people act like property taxes aren't an issue as they continue to go up and up and up at astronomical amounts that we've never seen before, we are seeing more delinquencies when it comes to property taxes, and it's about $575,000 in the state of Ohio. That is huge. So what's going to happen, well, that's a lot. What's going to happen if a half of those people don't get caught up on our property tax? So the state of Ohio has the right to take your house. Right, the local community will take your house and sell it at sheriff's sale and then you're evicted from your property. It's ridiculous. You can own your home. It can be totally paid off and let's say you get sick or you lose your job or whatever the case might be or you're on retirement and they keep raising your property taxes and you fall behind or you can't pay them.

that they can throw you out of your house. It's totally. If you have a house, that's $200,000, okay, and it's worth $200,000. And let's say you're backed up, let's say, $20,000 in property tax. So they take the house and sell it. At share of sale. So they can sell for $30,000. Right. Or they can sell it for whatever. And pay you the difference of what you owe. Well, they're going to take out the property taxes, and I would like to think there was a dispute because for years they would pocket the money, and I don't know if the additional money goes to the owner of the home or not. I'm not sure. I would hope it would go to the owner of the home. There's something wrong, no, where the government can seize your private property. and sell it, and you're thrown out. You paid it off, you have title to it, and the government can seize your property and sell it out from under you. I mean, the whole property tax thing is a big deal now because of how high property taxes are going up, they're going up at astronomical numbers, and continue to do so. Real quick, when did that go on the ballot? I don't mean to interrupt you. No, that's fine. You can, we're still collecting signatures. They're hoping for. I think it's going to be in 2027, if I'm not mistaken. That'll be November 27 then. Or maybe sooner than that. I'm not sure. But they have a lot of signatures. Make no mistake. They have a ton of signatures. Oh, I signed it. Yeah, they just want to get a decent cushion so that you want to make sure if they start throwing some signatures out, you've got enough to cover it. So you always want to get a... a good cushion well over what the minimum is follow me yeah yeah i follow you but like i said i was listening to your talking to that kelly will what's your name kelly warren well i i i'm listening and and uh she brought up while there's houses selling for 168 000 and and and then i'm i think because i'm on the market looking for her house And I tell you right now, a house for $168,000, you better put another $100,000 into it because they're destroyed. It depends. It depends. You're looking for a house. In all seriousness, now, I'm going to be serious. If you're looking for a house, and I'm going to tell you, call Kelly Warren and have her work for you. That's what it's all about, and she'll help you find one. It depends what area you want to be in, too. I mean, it depends what you're looking for, but you can find. I don't know what your budget is, but if you're saying you'd probably get a bunch better home at 200 or 250,000, you'd be absolutely correct on that. The more you spend.

To move into a house, that's totally movable, like she said, to move in, you're looking around 300,000. I've seen houses go for 230. I talked to you about a month ago. Well, it depends where. I mean, it depends who owned it before you. I mean, if the person, I mean, there's a lot of people who take great care of their homes, and when they move out, they are impeccable, and you could move right in. That's what you want to go look and find, and they are out there. There are plenty of people. And then there are those sections of people that are just pigs. I agree with that, too. You got that. I've been in houses. I wouldn't give him $50,000 for it. Well, that's right. It's a great country. You can walk away from it and say that's not for me. So that's cool. All right, Ron. All right, Tiger. Get on a stick and start buying. But at least you've got to determine you've got to save money. In my opinion, you've got to have money to put down. Because that was, I always did that. I mean, I made sure I had 20% down because I didn't want to pay PNMI insurance. And once I bought a house or, oh, let's say when I bought or built Verb Manor, 1996, that's when I said, I'm going to pay this thing off. I mean, I didn't want to have this hanging over my head for 30 years or 20 years or whatever it was. I mean, I just, I can't stand that. I just can't stand that. That's just not me. So my goal was to get it paid off as quickly as possible. And you've got to be dedicated to that. And that means you probably won't be taking on Hawaiian vacation, but you'll get satisfaction. My dad would always say, you know, if you're in debt, you're a slave. That makes you a slave. So you've got to make sure that. There's freedom of it. And whenever I talk, one of the most interesting guys I've talked to about debt was the guru from Gerard, Michael from Gerard. And I often have him retell that story. And maybe I'll strive to do that today if I can get, if he calls me in on how he was in debt and how he got out of it with the Dave Ramsey method, the snowball effect. And he got out of debt and became debt free. And he just. was so much, life was so much better without having a bunch of debt and that kind of stuff. But I always sit here, I get frustrated with politicians and property taxes because I think they make it more difficult as property taxes continue to go higher and higher for people to buy a home or first-time home buyers to get in a home. And I don't think any of these local politicians give a damn. That's why I love having Commissioner Pleschnick from Lake County on because he gets it. But then again, he's so much smarter than the rest of them. You're one stop for advertising. Call 844KBN. Heidi ho, 356 in the afternoon. It's Friday, August 14th. It's 84 degrees. Ron Verb News Radio 570 WKBN. And you're on here. Ronald. It's Ted the Conservative. Ted the Conservative. I wasn't planning on calling you. I'm busy here doing some work, but I heard you make a statement. So I'm like an afterthought to you. I see my ranking, you know. I don't like to call in so often, you know, once a week is enough. I don't know. Let the other people get in. I like the insight of Ted the conservative. I feel the programs much better with it than without it. Well, thank you. I appreciate that. I try to educate the case.

was strategizing. Yes. From the George Bush vocabulary of words. Yes. But hey, Donald, you mentioned the Robert F. Kennedy Jr. Center. Yes. That little feeble man, the narcissistic president, Donald Trump, couldn't handle his name being removed. Now he's got those people trying to get his name back on that bill. The board, the board, all appointed by Donald Trump. voted yesterday, I believe it was, at the day before, again, to put his name on the bill. Which I, which this is, this would be an interesting discussion because here's where I think Ted the conservative separates himself from so many other Trump supporters. Because I'm going to. Yes, because I'm going to tell you something, folks. I get sick of this idea of we got to put Trump's name on everything. It is absolutely bizarre to me. It is. I don't care if you appointed the board or not. It's the Robert F. Kennedy Jr. Center. It doesn't need to be known as a Robert F. Kennedy Jr. Trump Center or all this other stuff that he wants his name on or they want to put his name on because he has put a bunch of ass kissers on something. Yeah, and it just speaks to who he is as a person. Again, I'm not saying he's not been a good president. I'm not saying he's not done good things, but I'm definitely not going to call you and tell you how he's just this self-giving, worried about everyone else person in the world when what matters most to him is Donald Trump. Stand by. Stand by. Be patient. Back with Ted the Conservative in a minute. Zero is the John Arnold Studios. This is 570 WKBN Youngstown, an IHeart radio station, guaranteed human.

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Yeah, it's even better with Chumba by my side. Race to Chumbacasino.com. Let's Chumba. No purchase necessary. VTW Group. Void were prohibited by law. CTNCs, 21 Plus. Sponsored by Chumba Casino. Verb. On News Radio 570, WKVN. All righty. Let's go back here. Ted, the conservative, he's talking about... Yeah. Wait a second here, just to bring people up to speed. Let's see. It says here, this is from the Vindicator, all right? Vindicator. Yes, the battle over the Robert F. Kennedy Jr. Center's future escalated Thursday as President Trump's allies on the board took new steps to commemorate him with physical changes to the iconic performing arts institution. Okay. So during an hour-long meeting. that was conducted virtually. The board voted to add Trump's name to the building, facade so it would read, the John F. Robert F. Kennedy Jr. Center for the Performing Arts, restored and renovated by President Donald J. Trump. The plaza in front of the building would be named after Trump. And most of the space at the venue would be closed for two years to allow for substantial renovations. The change is described by Representative Joyce Beatty and Ohio Democrat, who is an ex-off, ex-board member, and her lawyer amounted to, well, this is just going to go on with this nonsense. It's just ridiculous. I mean, and see, Ted the conservative is man enough to say it's the Robert F. Kennedy Jr. Center. Okay, so you want to renovate it. That's all well and good. If it needs renovated, that's fine. You put a board there. Why do we have to stick your name on everything, Trump? You know, remodel and renovated by President Donald J. Trump. I mean, come on. Now, your comments, please. He's just a very petty man. He's narcissistic. in every which way you look at them. But, you know, there's people like that that are, I know people like that in the real world, and just like I'm sure Donald Trump, good people that would give you a shirt off their back. It's just, you know, when you become the president of the United States, you need to behave president. And that's one thing that's been so hard with him because the guy is who he is, does what he wants. You know, it's just something. What happened to? It's something that we got to deal with, and I quit listening to it. I quit letting that stuff bother me about two years ago, and life's gotten a lot better. But you're a man enough to say it bothers you, as it should bother anybody. I don't know. He surrounds himself. I mean, you got a board, and I fair to say they're a bunch of ass kissers because they just want to put his name on everything, and I get sick of that. I mean, it's the Robert F. Kennedy Jr. Center, and that's what it should be. Your name doesn't need to be on it. It just...

You know, there's a lot of people coming around now. You know, for years on your program, I took a beating from what I called a mega cult. I still remember the first time I called him the narcissistic. president about a year, year and a half ago. And I still, and I remember the beating you got. Yes, I do. My goodness. Boy, did they. Talk about the trigger, huh? Yeah, boy, did they put a beating on you. You know, and I still know amazing people in my life that I couldn't imagine not having relationships with who will still not say a bad thing about Donald Trump. And if you do, they're willing to have an argument with you, you know. And I try to tell him, hey, you could still support the guy. You could still say you wouldn't vote for a Democrat, but you could still be critical of him just like you should, as you were Joe Biden, you know. But these people, they're just, you know, Ron, we often make fun of the left, the AOCs of the left and the progressives. Now we've got the DSAs. But we have the equivalent of that on the right, too. You know, there's some of these people. Whether it's the election deniers or the people that think every election is fixed and rigged, you know, the conspiracy theorists, we have them on the right, too. And the sad part is people are drifting further left and further right, and there's less common sense people like you and I in the middle. Here's what the sad part is to me. I mean, when you talk about in all reality, the idea that somebody would think that Alexandria Ocasio-Cortez should run for presidents. is so bizarre and bewildering to me. because I don't see her as a great intellect that should be president. Now, I can sit back and say to you, I could really be excited about Ron DeSantis running for president. I think he's an extremely smart man. I think he reads. I think he's been right on a lot of stuff. I think he'd make a great precedent. He's a great governor, probably the best governor around. And I think that he'd make a great president. I could say, there's no doubt in my mind, Marco Rubio's a pretty sharp guy. I prefer to Sanis over Marco Rubio. And to JD Vance, I think he's come a long way as well. I mean, when I just, now I'm just looking at some of the Republicans that are out there. But I certainly don't see Alexandria Ocasio-Cortez. I mean, like when they're talking Gavin Newsom, Gavin Newsom, California's a disaster. I mean, economic, the amount of tax dollars wasted, projects not completed, the fraud that's going on, and the idea that, oh, we want to run him for president because we think he's a nice looking guy and has the gift of Gab and is a great salesman. Okay, maybe you can fool people that way and maybe it'll work, but he's been a lousy governor and he'll be a lousy presidents.

And now I think is that same philosophy applying the Alexandria Ocasio-Cortez. Oh, she's got charisma. And people find her attractive. So it doesn't matter that she's really kind of a nitwit. We'll run her for presidents or move her to the Senate over Chuck Schumer because that's where she should go. I'm not impressed by anything about her at all. I agree completely. A couple things you said there, if I could, I'll respond to them. I agree completely as far as her being a presidential candidate. The one thing I'll say about her, and, you know, I speak my mind. I never fear my tongue. And I know a lot of your listeners, they can't handle that. They don't live life like that. Well, they're not allowed to think for themselves, so they get very irate with me. So I think you'll understand what I'm saying. Out of all these far left nuts, I could honestly say I respect Alexandria Ocasio-Cortez compared to a Gavin Newsom. Gavin Newsom will cater his speech to whatever crowd he's sitting in front of that day, whether it's a conservative crowd, a moderate crowd, a progressive crowd, or the DSA crowd. He'll speak to them in their language. The one thing you could say about Alexandria Ocasio-Cortez, she believes the crazy shit she says. She never changes her position. Yeah. So at least, you know, at least she's standing up for what she believes in, and she doesn't waver. I could respect that. Doesn't mean I agree with it. Doesn't mean I don't think she's crazy as hell. But at least she is who she is. Compared to a guy like Gavin Newsom, you know, he's like one of those lizards. What do you call him? Yeah, he's just, he's slick is what he is. He's just, he's slick is what he is. He's just. You know, he's a bottom barrel. You know, he's probably got no morals, no character. We'll say and do anything. Like if I looked for, like, I was just trying to think of a Democrat that I think has some pretty interesting intellect. And oddly enough, the one that came to mind was Dennis Kucinich. He used to be a congressman. mayor of Cleveland, but if you've ever listened to him. Yeah, but I don't know if I could say that. I don't, I don't, let me put it this way. He's not a dummy. Let me put it this way, wouldn't you? I would have to throw out mansion from West Virginia, to be honest with you. Yeah, I suppose so. You want to try to find someone that. I mean, I would have to get, I don't think percentages that way, though. I would have to give it some further thought on some of this stuff, but I mean, Chuck Schumer, he's, but let me say this, because I agree with you completely on Ron DeSantis. In my opinion, this is just Ted the Conservatives. I think he would be the next best candidate for the Republican Party. And here's why I say that, which, and surprisingly, he's pulling towards the bottom of recent polls, what I've seen. To my surprise, JD Vance polls higher than he and Marco Rubio. I'm not a JD Vance supporter. I don't dislike him.

I don't think he was ready for the position of Vice President with just a year or so under his belt as a senator. Doesn't mean I don't like him? I think he's an amazing guy. I think if he know his background where he came from, how he lifted himself up and became so successful as a great thing. However, I believe in an election, if it's up to him and a Democrat, Donald Trump's still on the ballot, the negatives of Donald Trump because he was the VP. You know what I'm saying? He was the one pushing Trump's agenda. And that's a hard thing when you're a vice presidential candidate because you don't get to say what you think. You have to push the president towards the president. I would just like to see a Ron DeSantis because I think he's smart. Now can you get Congress to go along with him? By the way, have you seen some of the polling in Ohio where Sherrod Brown is leading in the Senate race, which is just... Sherrod Brown is a far-left wacko that backed everything that Joe Biden stood for and all the crazy social stuff, and yet he's leading in Ohio. I'm sure people like him. He's got name recognition, but he's a far-left wacko. I think Qstead was a horrible candidate, but he got put in there for political... relationships that he had built. And that's how he got in there. I mean, I don't think he did much for the governor's office when he was there. I think he's a weak candidate. He's going to have to work really hard to try to win. I just think Trump created a lot of problems for himself. I mean, I don't care what anyone says. When it comes down to this inflation, and I don't care if it's 3.4 or 3.5, that's on top of what inflation has been and continues to grow and gas prices. You're cutting your own throats. I agree with you. You're just cutting your own throat. I don't disagree. I told you how I feel about the past that doesn't neglect what you're saying. Trump is president. He owns the economy. Right. It's amid terms and he decided on the Iran situation. So you're going to own it and pay the price potentially for it. Like I said, I would never vote for Sherrod Brown because. Even a bad Republicans better than a Sherrod Brown because he's just, he backs all of this stuff. I don't want to go back to, we can't define a woman and we should have men and women's sports. I don't want to go back to that lunacy. or the open border, or we need to tax everybody more. I wish any of these people would finally tell me, what is the fair share that rich people should be paying? I mean, I always say this. We just want to pay their fair share. I've heard this for as long as I've been around, and it's like, well, what the hell is that percentage or number? You keep saying it. When are we going to reach it? Because I think we're all taxed way too much. The problem, I agree with Reagan. A problem isn't taxing. The problem is spending. That's what the problem is. Right, right. And government isn't the answer to your solutions. Government is a problem. In some cases. I mean, in some cases, not all cases. Something else you just said made me smile. What was that?

You know, it's ridiculous. So when I saw the independence leaning as heavily as the art towards Sherrod Brown, what scares me is I think people are just, and if you look at it since probably Barack left office in 2016, it seems to be flip-flopping every election cycle. The Republicans will win a big election, then the Democrats will come back. And the Republicans will win and then the Democrats will come back. But I'm going to tell you, I'm going to say it again. Shame on the Republicans who didn't codify all these executive orders of Trump's. When you put it in by the pen, it can be taken out by the pen. And a Republican Party is to blame for that because they lack the ability to do that. I mean, I'm looking at the Republicans and Democrats as just politicians anymore. There's two parties. There's different philosophies, but there's too many similar things about him. I mean, I don't understand why you guys just didn't codify this stuff because it would just be written out. Well, just as Biden did when he became president. Well, if you get a Democrat president, all this stuff Trump would in a go away. All they're worried about both parties. When both parties get power, there's only one thing they worry about. Lining the pockets of the interest that they represent. The Republicans line the Republican pockets, and the Democrats line the Democrat pockets. And nobody gets anything done for me and you. Thank you. In need of shredding services, visit keystoneblind.org. Keystone has a shredding, recycling division in which blind and visually impaired employees shred and bail up to 2,000 pounds per day. Securing your documents are of the utmost importance to us and a way to protect against identity theft. Shreading is available through a local totes pickup program or at a bulk rate of 27 cents per pound. Minimums are required for service outside our local area. Visit the production facility on East State Street in Hermitage. For more information, visit keystoneblind.org and click. shredding. Hey, is your roof leak? Weather and talk station, 570 WKBN. And Ron Verp from the Kingdom of Mahoning, News Radio 570, Dody, QBN, you're on the air. All right, boss, what do you need? All right, when I was talking with the real estate guru Kelly Warren, I was talking about young people and being in debt and all this kind of stuff. And I said to Kelly Warren, I said that the best story, folks, the best story. I've ever heard about somebody being in debt and getting out of debt was told to me by the guru of Gerard, by Miguel from Gerard, who had the absolute best story that I think is worth telling again. And this is how... Because I always say this. My dad always said when you're in debt, you're a slave. Debt makes you all slave. So the best thing you can do is to get out of debt. You don't want to have debt. Like a lot of the financial advisors would tell you, oh, you don't want to pay your house off right away. No, you want to get it behind you so that you theoretically own it other than the taxes.

You want to get out of debt. You don't want a six-year car loan. You don't want a 30-year mortgage. You don't want to owe a bunch of money because it's just you're a slave to it. Would you agree with that statement, first of all? Totally. All right. So now I want you, and you were extremely honest with me several years ago, I want you to tell people where you were several years ago financially. and Dave Ramsey and what you did and how you did it to get to where you are today. All right. Now go. Yeah, well, you know, I was making a fair amount of money and stuff. And I was at a point in my life where I had went through like a bad relationship and everything. And then I finally met a wonderful girl and wanted to have a family and everything. And she was finishing school, and we bought a house, and we had to get cars. And I don't think about that. At that point, they were brand new cars, but, you know, they cost money. And before we knew it, like, all said and done, I ended up on over $300,000 in debt. At what age? At the age of 35, 36. possibly 37? All right. So you, you owe $300,000. And then to pick it up from there. So you're making good money, but it's all going out to all these payments. Yeah, pretty good money, yeah. And so I was, you know, riding back and forth. And it's about the same time I was first hearing you and stuff too. And riding back to Cleveland and Pittsburgh and stuff doing work. Coming back, and I heard Dave Ramsey on the radio. He goes out of Pittsburgh, and he was talking about the snowball effect and how you get out of debt and how nothing debt isn't worth it because just what you said. It's like you're a slave. Think about it. I want to buy something. I'm going to buy something on credit, and then they're just going to tack on 6, 10% or something that I'd pay more for it, just for what? That I couldn't wait to buy it. You know, I mean, and so if things are like that, you know, that's the first thing you do. You just stop, just like the United States government needs to do right now. Just stop spending, you know, on things you really don't need to survive. So you're listening to this as you're driving along. Yeah. And I decide, I go, that's good. I'm so tired of living in them like this. I mean, it was just. Yeah, you're just living in, you're just handing over your money, all these bills and everything. And when you want more, you just think I'll just borrow more, you know, it's just crazy. And so I said, I'm going to do this. And I started, I listened to the snowball effect. What is the snowball effect? The snowball effect is start with your smallest debt and pay it on. And then use the extra money that you just say from paying that debt on. to pay off the next one, pay off the next one, pay off the next one, and pay off the next one until you finally one day call in and say, I'm debt-free, and we have a party on radio for you and everything. And that's when, in my opinion, that's when your life begins. But you don't do, but also the key was you stop spending other than on absolute necessities. Oh, yeah, I'm driving like my mom's old car because she got a new one, you know.

like that like you know not vacations we bought an old house and i'm like fixing it up by hand like you know stand by this is a this is a best story about how a guy got out of debt for 300,000 you want to pay attention back in a minute news radio 570 w kv One person was seriously hurt and stabbing outside the Columbus Metropolitan Library, Northside Brans, just after 2.30 p.m. yesterday. The victim was transported to the hospital in critical conditions, and no additional details have been released. Meantime, three Cleveland men are facing 117 criminal counts for allegedly stealing 55 ATVs and dirt bikes across seven states. Grand jurors say that over four and a half years, the men would use fake Facebook accounts to find the bikes, lower sellers to click. Cleveland, hand them a bank envelope filled with counterfeit money, take a test drive, and then never return. And the Ohio Department of Natural Resources is hosting Free Range Day tomorrow. This means all of ONDR's public shooting ranges will be free to use for residents during regular operating hours. Guess age 18 and older need either daily or annual permits to use public ranges outside of free range day. I'm Brady Hopkins. Listen on the free iHeartRadio app for all your music, news, talk, and sports radio. Podcast, too. Download the app. Free never sounded so good. A to Z dependable services. Plum. Hard hitting action. Unforgettable moments. Unmatched energy. Be a part of an experience unlike any other with TNA wrestling live. Step inside the steel cage on Sunday, August 23rd at lockdown in Chicago. It will be. Carnage! See the biggest stars, including Matt and Jeff Hardy, Mike Santana, Elena Black, the system, and more collide on a night you have to see to believe. This is crazy! Visit TNAW wrestling.com for more information.

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Now, Ron Verbe. On News Radio 570, WKBN. All right, pay attention here, boys and girls, 434 in the afternoon, so it's a guru from Gerard there. So you're $300,000 in debt, and some of it was credit card debt, correct? Credit card, house, some college loan, and then cars. Right. But it added up. Pretty good. About 360, maybe. It was total. All right, and you made a good buck. It's almost like you're just running around like, you know, on that wheel and a mouse runs around on, just going around and round and round. Yeah, so you're paying the payments and the interest and it's just like exhausting. So one day you hear Dave Ramsey, you hear about the snowball effect and you say, I'm tired. I don't want to owe all this money. So the first thing you... did is you stop spending on anything that wasn't an absolute necessity true the second thing they did was was stop spending the first thing they did was explain it to the trophy of what you were going to do right All right. And then... It took a while, you know, look, we got it. And so, yeah, I mean, I had like a minivan, you know, and I ended up selling that because her grandmother's car was perfect of sitting in a garage. She passed away. And it was like just pristine. Remember those old four tourists? Mm-hmm. You know, and that was a great car, actually. She drove it for 10 years or something. And then my mom got a new car, and I drove her old Buick something. And I did that, you know, for years. It just got rid of the cars. That was the first thing. There's no payments, right? So then I started going. I think it was like the credit cards after that, knocked them out, until it basically got to the house. which then, you know, now we're starting to get more like everybody should be, and applying more and more. We just kept making extra payment. And during that time, too, actually bought a house behind me and knocked it down because it was just, like, bad, you know. And I didn't buy a brand-new house, I said, it's nice now, you know. I call it cost a year. But it's... Even right now, Ron, I'm still, you know, I'm painting my own building, I'm fixing the bricks in my driveway and stuff, and I just do these things because, I don't know, like, it's better than just borrowing money and spending it. And I told you, the wife said, you know, there's tickets along, and it's like, well, give me $10,000. I'll get this done in a day. And, but what I can do is this. Like, so I go out, I'm, like, readjusting the bricks and everything. I'm almost halfway done to what I want to do.

I'll end up doing it for like 500 bucks, you know. Mm-hmm. That's all said. But I mean, you... That kind of mentality is what you need, right? Does it? If don't live above your means, it means, don't live above your means. Do you need that vacation? Why do you need a vacation? Like, if you're in debt, it's just the same way you say about the federal government. Why are you doing this when you're in debt? You just have to ask yourself the same thing. Like, do I want to go in debt more to go on this vacation? And so let me tell you, after finally when you do pay everything off, then you realize you're like living a whole way you never have. Because now all that money you were paying in bills, you're just putting in the bank. And so when these like financial tsunamis hit. Like now, like everything changes on you. You know, they run up the interest rate, the inflation and all that. And if you're stuck with bills, you're screwed because, you know, that goes up with you. And that increases your cost of living every day. And so I kind of just pull out of the economy when this happens. Don't spend money because no one's chasing after me. So, like, I don't care what the price of gases if I don't use gas. You know what I mean? And it affects food and all that, I understand. You've got to leave yourself some cushions and things. But, you know, you have to work your way into living below your means because it's naturally like you're younger. You just think, you know, I'm great, I want to prove, I want to make on my mark in the world and all this, you know. And now you get to our age. You realize none of that really matter. So. But, I mean, you started with your lowest credit card bill or whatever it was, paid it off, then went to the next one, then paid it off, then took all that money and went to the next one, and paid them off, didn't create other bills. And how long did it take you to get out of $300,000 in debt? About, I don't remember eight years. Eight years. And you paid and you got totally out of debt. So you've got $300,000 behind you. It took eight years to pay it off. Right. And what was the feeling like when you paid all this stuff off and you didn't have debt anymore? How did that change your mentally and physically? Okay. So first off, it realized that changing that took a lot of extra sacrifice. because you're still living your life and trying to reduce all that. But then when you finally do it, you know, you do, you feel like, wow, okay, you know. You feel like, I felt like when I graduated from college or something, you know, and then you start to realize the replications of it, and that takes a while to sink in. And when you, you know, here's the thing. When you start, now you paid all your bills off, right? And you got this money. It's not the time to blow it. This is time to put it away because what's going to happen is next month, your car is going to break down. And you're going to be faced with the choice that I put this on the credit card or just pay cash for it. And so you need money in the bank to pay cash for it. You know where I struggle now, Ron, is because I've reached this level of self-financing of things, I try to prevent my kids from doing it, you know, and they're young and everything. So, like, some of my probably kind of give up to, you know,

avoid them falling into the same trap. I tried a lot doing that. But I wouldn't even be able to have this conversation with them or myself if I had not went through that. Interesting. So now you're out of debt and you've stayed out of debt. Oh, yeah. I actually, yeah, and I got like money in the bank and I, you know, that's why when I'm Like I told you all this stuff going on with like AI and my job and how it's changing and everything. I'm just not freaking out. In fact, I could work tomorrow if I want to. I really wanted to like live a horrible life game, but I've actually reached a spot where I'm like selected about what I do. And that's because no one's chasing me. For money. Yeah, and once I buy that E-trite, man, then no one's going to chase me anymore. Right. How old are you now? 63. All right, so would you say you're semi-retired? Yeah. And are you enjoying it? Yeah, because, you know, I'm working like a madman, and I think you saw what I'm working on, but it's what I want to do. It's not what, you know, somebody, you get on, when you get on a job or a contractor, something's like, okay, what do you guys need? And then you get your mind in, I'm doing whatever you want, every day. I wake up, you know. And I've always wanted to develop this product, and I'm doing it. And I'm just keeping my cost low. But, you know, it's not work if you enjoy it. What, you're developing what type of a product? So I told you, it's, government records access to them in a common way, you know, like all across Ohio. So, you know, the county auditor is the first one that I completed. Yeah, but don't they have that open checkbook? I mean, it's already out there. O'Grick. Yes, but it's not very consistent because there's 88 counties. They're all different. Like, they all reported it differently. Some have the CAMA computer-aided mass appraisal stuff. Some don't. Some aren't even in there. Like, you know, they had their own site, and they just never reported to that system. It's just very bizarre. Like, even with that, it's all different how you get that information. So what I was curious. Like, I started doing just Trumbull County to find out how the whole thing worked. Oh, and by the way, too. So those programs that you do, they're all like, I don't if you ever saw ArcGIS, but they're made for like an old-fashioned desktop, and none of them work on the phone and all that. So I made these apps, you know, and they do all that information, and you can just run the whole thing from your phone. It doesn't matter what county you're on. You're going to end up doing the same app the same way. And that's just one example. I'm doing the same thing with, like, health departments. I created one for one of the local, one of the, like a map and how you track health access. And that's what got, actually that's what started the whole thing. Well, part of it. Before that, I'd make some public records and got some water records and things like that. And I was just looking, public data is free. And I'm like, hey, I want to, I need some data. I want to develop this app on public data. And so I started on it. But then.

I developed this infrastructure, and with the help of AI, it's not really doing it. It's just, it helps you learn. So I'm able, when you have a question, you have to ask somebody, it's like your coworker out there. He always never tells you, no, I don't feel like answering you, you know. All right, so you're trying to put something like that together. But now it's now at 63 after a belt, a little bout of some health issues, you're semi-retired. Yeah. Yeah, I'm doing things I want to do. You know, I think I told you I'm going to be teaching, you know, at the college level, related to this stuff I'm doing. I am. trying to, well, ultimately I have it, I'm curious, Ron, can better software save us tax dollars? Yes. I think the answer is yes. Yep. I think AI can as well. Yeah, and I'm an experiment. That's kind of, but it's not just, like I said, you've got to be careful to say AI can such a big term, you know? But AI, it does searches for you faster than just regular like Google, like large mass searches. So you can find it and ask the questions that you just can't, couldn't ask before. And because of that, then I'm able to do things. Yeah, but I believe, oh, and by the way, so I also believe, Ron, that this AI that they're giving us now at this price is simply because they need to exercise the models so they keep, make it available to you and pick your brain while they're doing it. And one day, they will have picked all they need out of our brains. And it will no longer be free or cheap, and it will only be in things that, you know, the big money has to support it. And so I said to myself, okay, knowing this, I got like a year, maybe two tops. before this whole thing gets, oh, and then there's the other side of it, too, like half of it is driven by data centers and stuff and all these data centers coming in and people aren't into data centers. So who knows what's going to happen with the whole thing, right? And so I said to myself, I got like a year or two to develop something that needs to develop. And what I saw was, you know, we pay all this for like county honors and things for this kind of data because no one had the ability to scan the whole state and do this whole thing like this. you know, before. And so, you know, and by the way, like, where do we drink? I think it started, it started on the show with you. I said, I don't know if you remember the day I was asking you about, telling you about the different water systems we have, and how many water systems have to go before you get to liberty and stuff like that, you know, and how many people mark it up and, you know, like Niles, Youngstown, and then it goes to Drard, and after Drard, goes to Liberty, and part of it comes from Trouble County. And so I started, the whole thing started, I said, I'm going to make a public record's request and ask all the direct water customers, not customers, but it counts. I don't really care about, you know, who owes what and all that kind of, but I just want to know.

Where are the houses and where they get the water from? And then I made a map of the whole thing, and I was like, you could see this whole system. And then I did another one and another one. And I just think eventually, like, if, I'm going to send you a link because I kind of put a concept onto this thing now. And the concept itself is getting close enough to be able to send out there and say, hey. And do you want to jump on board on this? You know, because it looks like a ship now that you can jump on board. All right. Four months ago, it wasn't anything. Yeah, it's hard for me to take any guy serious that's looking at buying an E-trike. That's right. I mean, so he's 63 years old. He's semi-retired. And he wants to buy this E-trike that if he gets on it and rides it on his sidewalk. in Gerard down to the jib-jab or wherever he might be going, he's going to look like he's 102. Yeah, but I'm not going to be 102, and I'm not going to be buying gas to go see my dad or the baseball game. And how much is your E-trike? Have you looked at the price? That's what I'm working on right now. Like, I'm still, I haven't dropped the order yet because I'm finding out more, but I'm anywhere from... like about 600 to 4,000, depending on what I want. Oh, that's a reasonable range, 600 to 4,000. Everything I told you, which way do you think I'm going to go first? Maybe somewhere in between, who knows? But the reality is you have the money and you won't be borrowing the money. You won't buy it if you can't afford it. Right. Right. I had let my son some money to fix his car. And I said, just pay me back. There's no use to putting it on a card and going through that. So he's been paying me back. And I'm like putting that away. And I'm like, go buy my, use that and take some cash and buy my e-bite, your e-trike. like that. There you go. I'm pretty sure I'm going to do it. Eight years and he got out of throwing $300,000. He stopped spending, paid it off of the snowball effect from Dave Ramsey, and never went back in debt. You know, stopped spending, excuse me, paid his debt off over eight years. Now doesn't buy it if he doesn't have the cash to afford it. That's a beautiful thing. He's debt-free. He's no longer a slave. And now he's 63 and can do what he wants when he wants. That's a beautiful thing. Well, I wouldn't say that like I can do what I want. But if I, you know, I can enjoy my time on this earth without spending any money for as long as I want. All right. That's what I want to say. All right, Miguel, thank you, the guru from Gerard. News Radio 570, WDQI, N. I mean, that's what you've got to do. I mean, it's a hell of an adventure for that guy, but he stopped spending. He just said, oh, you're not going to spend on anything if I don't need it. And I'm going to take all these credit card bills and all this money that I owe on whether it was a car loan or a house or credit card bills.

And I'm going to pay the least lowest one off first. And I'm going to take all that money and pay the next one off. I'm going to just keep working up the bill ladder. And eight years later, $300,000 was behind him. Obviously he had a decent job. And he just didn't buy anything he didn't need. And said, I never want to get in debt like that ever again. But now in this day and age, you have people, you have car loans like, you know, people taking car loans out for five, six, seven years. Some of these car loans are ridiculous. Well, doesn't that say if you've got to take a loan out that long, you simply can't afford it? I mean, sometimes saying no to yourself is a hardest thing, but the most important thing. And I'll be back. You're 170. WKVN. You know, I just read this for Michael and Gerard with his E-Trike. The headline in Thursday's paper, man riding e-bike falls off, fatally struck by two vehicles. There you go, Michael. There you go. This guy was 49 from Levittsburg, was pronounced dead at the scene on Tuesday night, an accident on Todd Avenue. He lost control of the e-bike. He was riding and fell off the bike around 9, 10 p.m. And a 2,0.21 Ford F-150 was traveling north on Todd Avenue when it struck this guy. And obviously he was fatally struck. There you go. Well, I guess he's getting a trike, so he probably wouldn't fall off of it then. It'd probably be easier for him. You're on here. Ron, I've been listening to you over the last few days and today, and I'm finding myself disagreeing with you a lot on a lot of things. Well, that's not good. What seems to be your issues here? Well, you know, I caught the beginning of the show here about houses and them becoming more valuable, and I don't agree with that. And you mentioned about interest rates and how hard you guys had it when they were 16%. And now there's 6% and everybody's belly aches. Yes. I don't agree with that. Whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa. You know, now listen here, Sonny Boy. Yeah, yeah, yeah. All right. That is true. Like when I was, when I was involved in all of this, the interest rates were really double digits. And I refinanced down to 6%. Yeah. Yeah, well, I'm going to explain it to you, Ron. Don't worry. Okay, but I mean, it was like I thought I was lucky to get 6%. I mean, there was no way 3% even existed. So you always say like, you know, all these other generations had it so much easier. And I think to myself this. I mold this over. Maybe I said this to you before. My father's generation, guess what? They had World War II. I mentioned this before. My mom was just happy that my dad came home alive. My brothers, my older brothers, the baby boomer generation of which I am a part of.

Well, guess what? They worried about the draft and going to Vietnam and coming home. So a lot of this... And, Ron, I don't minimize any of that at all. And I think you're taking my references out of context when I speak of these situations. I'm referring only from an economic standpoint. Now, every generation has it... All right, stand by. I want to get into the meat of this. And we have a long segment. Alec coming up. I want to hear this. In a minute. Zero is the word at the stadium GM Super. Hard hitting action. Unforgettable moments. Unmatched energy. Be a part of an experience unlike any other with TNA Wrestling Live. Step inside the steel cage on Sunday, August 23rd at Lockdown in Chicago. It will be carnage! See the biggest stars, including Matt and Jeff Hardy, Mike Santana, Elena Black, The System, and more collide on a night you have to see to believe. This is crazy! Visit TNAW wrestling.com for more information. John Daly here. You know what day it is? Neither do I. I live life daily. That's why I only spend on Moto Casino. Modo's got daily free bonuses, daily tournaments, new slots out of daily. And the best part, guaranteed daily jackpots. You can't beat that. So today's the day you're gripping and spend it with me on Moto. America's Social Casino. Play for free on moto.com.

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you would be having a whole different story talking about residential real estate on the radio. Right. It looks like I've said before. And I've said nobody's house has become more valuable. It's just a fallacy. Right. Everybody thinks that their house is worth more. It is not. Your dollar is worth less. Right. Your home produces no income for you. It is a liability. The roof will leak. The basement will flood. Your shingles will need change. Your windows will need replaced. You have to buy insurance on it. So you pay taxes on it. So this whole idea and concept of that is crazy. Now, the other thing is every generation, the further we get away from 1971 and when our currency really started, because the dollar's been around for a long time, it's been called the dollar, but a lot of it has changed. Because in the late 60s, and I looked this up the other day, minimum wage was $1.50, okay? So if you've got $1. If you've got six quarters an hour, okay? In the late 60s, those quarters were made out of silver. The silver actually had value. So if you took the same weight of those six quarters today, it would be worth $70. So the equivalent minimum wage today, based in silver, would be $70 an hour. I don't need to explain to anybody that $70 an hour minimum wage right now would change a lot of people's perspectives. Because I'll be the first one to say, too, and everybody else who runs a company or has employees or coworkers, there's a lot of lazy people out there and everybody knows it. But why are they like that? Humans haven't changed in thousands of years. It's the environment that you're in that changes. So everybody who belly aches to use your terminology, they were brought up in this ability to be able to be lazy and not have to work. So everybody complains about that former generation, the baby boomers, or the World War II, it was World War I. Heck, you can find a generation going all the way back saying, I didn't have a steam engine. I was picking potatoes barehanded with my 17 brothers and sisters over in Czechoslovakia. Everything can always be worse. What I'm saying is from an economic standpoint right now, the dollar keeps being worth less and less, and these interest rates are a really big problem. Because if you could look at a chart for just 10-year interest rates in our country, and they went from 1980 all the way down, and when things start getting really bad in our country, Ron, I'd say probably around 2020. And if you look at that chart, that's when they really start to go all the way back up again. And that is one of the biggest crux of the problem, because when we have to pay more to borrow money, things are a lot harder. Okay, right, I agree with that. So I don't want to misconflate other generations. I'm not saying that Vietnam wasn't a horrible thing when you had to go. I'm not saying World War II is a horrible thing. I'm talking about strictly, economically speaking. And you say economically speaking, your generation has it way more difficult than previous generations, correct?

Way more. And you could just tell by how many people do you need in your household to have an income so that you can just survive, pay gas, buy groceries, pay your taxes. pay for a cell phone, pay your mortgage, pay for your food. I mean, you add all these things up, and you can look in the other direction and say, hey, World War II, you didn't have to have a cell phone. You didn't have a cell phone bill. You didn't have a Netflix account. Well, those are all things that are, you know, you make that argument, but we live in a different generation now. So when I hear older generations say these things, I have to look at and say, well, what reality are we living in? Hmm. So what's the answer? Probably a crisis. I hate to say it. That's the only way things get fixed. Things have to get so bad that something can actually change. And things got really bad in 2020, but nothing changed. We had an opportunity to fix some things, but what did we do? We dusted over and kicked the can further down the road. We printed trillions of dollars, made our dollars worth less, which made your home nominally go up. It was a big problem. Could have had an opportunity to get some things done, but we didn't. So what do you think the answer is? What's the solution is what I'm asking you? Well, that's a great question, and I really wish I had the exact answer for you because it depends on what time frame you're looking at, too. You can look at a month to month, year to year, decade to decade, or are we a nation that's going to try to survive another several hundred years? Because the problem is varying depending on which time frame you look at. You know, there's a real boring thing out there right now, and it's Japanese bond interest rates. I'm not going to bore anybody with it. But if you have time to look into it, it's a big problem. We just spent, I think it was $10 billion the other day to try to prop up the Japanese yen so that it doesn't collapse because they don't produce any oil. So they have to buy all their oil. And their currency is collapsing, so it costs more and more for them to do that. Well, they're running out of money. So what do they do? They're going to have to sell U.S. treasuries. And they're the world's largest holder of U.S. treasuries. And if they sell those... What's going to happen to the interest rates in our country? They're going to go up. What happens when our interest rates go up? We have to pay more on the debt. We're already $40 trillion in debt, and we're going up $2 trillion a year right now. So the other day, I think Japan put in $80 billion to try to prop themselves up. And then between us and Japan, $80 to $90 billion, and their interest rates still went up. So it's a big cascading event that can have real big problems in our country that nobody's talking about because, of course, what do we want to talk about? Iran War, Donald Trump. I get all that, too, but these are bigger problems when you talk about not being able to afford, just being able to survive. And that's the problem when you don't have assets. Assets keep going up in value because your dollar keeps going down.

If you own assets, you keep making more money because assets are usually a fixed supply. So if you can't just print, you know, more houses, they go up in value. If you can't print more land, they go up in value. Okay, but if I said this to you, I would say, well, I mentioned the other day what I was reading when we talk about the housing shortage and how housing prices are going up. It's a terrible thing to think about, but as they were writing, they say this problem will resolve itself because you are just starting to see the beginnings of the baby boomer generation dying off. uh that's you know it's a it's the earlier the first of the baby boomers are starting to die off and as they get older more of them will die off and there will no longer according to the author be a housing shortage there will probably be a housing surplus once as as this goes on and housing prices will adjust more than likely downward because there will be more supply than there will be demands what are your thoughts So what do we do, wait 20 years for all this to take place? Do we have 20 years? What society in 20 years would nobody could buy a home and we're just waiting for a generation to expire? It might not be the answer for you, but it might be the answer for what they're saying for people younger than you. that are growing up now, that they won't have to face the same difficulties that perhaps you did. But what you're saying, which I... You'd have to tell a 25-year-old right now. Hey, hang tight with that $100,000 in debt. $4.30 a gallon gap. Wait 20 years for your grand ball. No, no, no, no. Wait about 10. It should give it 10 years. Well, hey, Ron, if we run out of money for Medicare and Social Security, it might even be faster because that's a whole other problem. That's the baby boomer generation and the elderly are reaping the benefits from, and the next generation is the one. Well, I don't know about that. I think we got big problems in Social Security and Medicare in about seven years or potentially less. I mean, serious economic problems. Do you think they're going to let Social Security or Medicare fail? No. So what are they going to do? They're going to print more money, and it's going to cost more for that younger generation to be able to buy their house, save for retirement, have more children. It's... It's just a vicious cycle. And that's what I'm talking about, a time frame. You could fix the problem, but you're going to have to eat that medicine. It's not going to taste good for a long time. You've got to get inflation down. You are, you, well, not just you. Everybody's being attacked by this inflation because in every front of it, I mean, from your reevaluations and your property taxes going up.

ridiculously all across the country. So you're being attacked by government saying, oh, your house is now worth this. Now we're going to tax you at this level. So you're being attacked in that fashion. You're being attacked because of the Iran war into the situation with oil. Your gasoline costs a lot more. Consequently, your groceries cost more. Consequently, everything costs more. I mean, we're an oil-based economy. So that's all going up. I mean, that affects everybody, though. That doesn't just affect you. Listen, I think people are all becoming poorer. I say it all the time. It's not just you. It's everybody. It's the elderly. It's you. It's everybody. Your savings doesn't buy what it used to buy. Your Social Security doesn't go as far as it used to go. Everything is too damn expensive. I never would dream in my lifetime. I would see inflation like I happen to see. As a result of COVID, yes, because think of this stupid policy during COVID. When everything was shut down, our government was giving people money. So we gave them money and created more of a demand because people were spending the money when everything was shut down. So you had low supply, high demand, prices went up. It was a stupid government policy that created inflation. So that's part of how it was created as a result of COVID. Then Biden handed out more money as time went on. The more dollars that are created, the less the existing ones are worth. So that created more inflation. Then Trump gets into this war and the straight is closed and 20 or 30 million barrels are off the market every day. So that creates an energy inflation. You see how this is how this is going. It's affecting everybody. And who took the brunt and who took the brunt of all those COVID restrictions, all the COVID payout? I did. The kids didn't go to school. So guess what? Now you're going to have another. generation, when you're in second and third grade and the teachers also, they don't want to teach half the time anyway. Some of them. I won't say all of them. And the kids get into this lull of this is the way things work. It takes time to get out of that, too. So they paid the brunt of it. The young people who were told to shut down your business because you weren't, you know, essential. Those people took the brunt of it. All to save the older generation, which you should do, you should take care of your older generation. I get that. But down the line, we're going to pay the bill for it, and the bill's going to come bigger and bigger. And it's just going to be a bigger and bigger problem exponentially. But why is an inflation getting fixed? Why don't we actually fix this? Because the people in power, the ones who benefit from inflation the most. don't need to fix it because everybody listening here who pays taxes and their groceries and gas inflation affects you because you're becoming poor but if you're wealthy and you own a lot of assets you become richer and more wealthy that's why the inflation isn't a problem for everybody

inflation is an asset to a lot of people. You know, like my house right now, and I refinanced it during COVID at 2.8%, my debt is an asset. So if I go to buy another house right now to take out a mortgage at 6 or 7%, I'm losing that. So when those interest rates kept coming down and down and down since the early 80s, like Warren Buffett, all these major corporations, they would take out debt, all right? And then they would buy back their own... stock because the value of the dollar kept going down. So they were just basically shorting or hedging against the dollar because they knew the value of the dollar was going to go down faster than what the interest rate on their loans are going to be. So sometimes debt is a huge asset, but not everybody can do that when you go to work all day and come home and cook dinner and try to take care of your kids and go on a vacation every now and then cut the grass. You just can't do it. It's just not feasible. So the policies that are in place right now are going to keep making things worse unless something's done. And I don't think government is ever going to do that. Well, things have a way of working out, don't you think? Usually, usually major recessions cure a lot of this kind of stuff. That's a great point, Ron. When have we had a recession? Well, a major one we haven't had since. Probably Carter and Reagan and, I mean, as far as a... Something's not normal about that. If you look at a business cycle, recessions are normal. They're good. They cut down the dead branches off the tree. They get rid of the zombie companies. But we don't have recessions anymore. We don't fix things. We don't let interest rates reset themselves. We don't do that. We print money to bail people out. So then it never writes the wrongs. It's not, it doesn't let nature take its course. We haven't had a recession. We had, like, a two-week recession in 2020. The stock market went out for two weeks. They printed trillions of dollars, and then it went through the absolute route. All right. Alec, thank you. Appreciate your time. News Radio 570, WDKBN and Ronfer, back after this. IHeartRadio. Give your home an energy upgrade. News, weather, and talk station, 570 WKBN. And Ron, Ver with you till 6 o'clock tonight on News Radio 570 to WKBN. 3307. We'll get you through to us. 33072997. Let me talk to you for a bit about White House Fruit Farm in Canfield. I must confess to you that we had some sweet corn from White House Fruit Farm the other day, and it was absolutely fantastic. I mean, we were sitting around just having a sweet corn, and it was just delicious, a great taste to it. As a matter of fact, it was so good. My wife went out and bought more ears the next day, and we had it again the next day. This is just one of the great things about our great state of Ohio. And when these crops come in and when they come in at White House Fruit Farm with the corn, you don't want to miss this time of the year. You simply don't want to miss it. The taste of that corn was just stellar. I don't know if it was just a great year what it was. Man, that corn and butter and salt, it was fantastic. So this weekend, go to White House Fruit Farm, get yourself some corn and enjoy. And while you're there, don't forget about the great...

sandwich meats that they have. They're not loaded with water like you get at the other stores. Whether you seem like they're just got watery, nope, when you go get your turkey or whatever it might be at their deli, it is quality and the cheeses are quality. It's just a great deli that they have. You will taste the difference and you'll see the difference for making those sandwiches, whether for lunch or just to have it around for snacking on. And don't forget, of course, the blueberry donuts and all the different varieties of donuts that they have at White House Street Farm as well. It is a taste adventure, and these time of the year is just phenomenal what they have at White House Fruit Farm. So go enjoy, enjoy, enjoy, enjoy. And make the trip and adventure and enjoy life at White House Fruit Farm in Canfield. A year on the air, hello. I am well, sir. Thank you for calling. Go ahead, please. I hope my phone doesn't lose power. I've been waiting for you for about 40 minutes, sir. You're still there? You still there? Yeah, I'm here. I'm here. I'm here. Let's see, yes. Hello? Yeah, I'm here. I hear you. Oh, okay. I got a copy on you over. charge for so long. Well, maybe you need to get a new battery. I don't know what the... Yes, I did. Are you on a... Excuse me, are you on a guy your age? Are you on a landline? I mean, are you on a battery phone? Are you on a cell phone? Okay, so you have, so I just want to listen to as a picture it, you have a house phone and it's, and it's one of the kind that, you know, you cradle and it charges and your battery's going dead, right? Right. I mean, you know, am I right or wrong? You're right, you're absolutely right. All right, so maybe you're... I just wanted to me. Go ahead.

Yes. Hook him up with your buddy Frank. Why? Out of floor. These two guys are going to set you straight, buddy. That Alex is a smart little cookie. He knows what he's talking about. He knows what makes him a smart cookie to you and why does he... Tell me why you like Alec and Frank. about what they're talking about. I could not. They're out in our league. They're out of my league. What can I tell you? They're two intelligent people that pay attention to what's really going on, and they bring their conversation to the forefront to make people try to understand it. All right. So what is really going on? By the way, did you see where the Robert F. Kennedy Jr. Center board wants to put Trump's name back on it? Again, my stomach churned and turned over, and I almost threw up. But I didn't. I saw that. It is ridiculous. I think I got it right here. Wait a second. I got to find it. I got it sitting here. Oh, good Lord. What did I do with it? Wait a second. Here, I want people to hear this. Yeah, I saw it. Yeah, baby. I don't think they ever took it down. That's why they had it covered up there. So the board that he appointed determined that his name was going to stay on it. And they're still going to do the two-year renovation of the place. Yeah, basically, they wanted to be called the Robert F. Kennedy Jr. Center. remodeled and whatever by President Donald J. Trump. I mean, this is the board he appointed. Listen, as a guy that voted for Trump, as a guy that would never vote for Harris or any of these wacky-ass Democrats, it's ridiculous. I'm with you on this one. I mean, these people are such ass-kissers. They want to put his name on everything. Exactly. When he leaves office...

like this and his every year is going to be wiped off just like adolf hitler's was when he lost the war in world war two he's just going to be i truly believe he's just going to be eliminated from history why would you say such a thing because this why you know why i don't do i have to say because he's the biggest grifter that he is there for one reason only. He's there to make money. Okay. Now, you people wanted a business man where you got them. Stand by for a minute. I'll be right back. News Radio 570, WKVS. was seriously hurt and stabbing outside the Columbus Metropolitan Library, Northside Brants, just after 2.30 p.m. yesterday. The victim was transported to the hospital in critical conditions, and no additional details have been released. Meantime, three Cleveland men are facing 117 criminal counts for allegedly stealing 55 ATVs and dirt bikes across seven states. Grand jurors say that over four and a half years, the men would use fake Facebook accounts to find the bikes, lure sellers to Cleveland, hand them a bank envelope filled with counterfeit money, take a test drive, and then never return. And the Ohio Department of Natural Resources is hosting Free Range Day tomorrow. This means all of ONDR's public shooting ranges will be free to use for residents during regular operating hours. Guess age 18 and older need either daily or annual permits to use public ranges outside of free range day. I'm Brady Hoppin. Listen on the free iHeartRadio app for all your music, news, talk, and sports radio. Podcast, too. Download the app. Free never sounded so good. From Ron Verb on News Radio 570, WKVN. 535, News Radio 570 WKVN, Fifth Avenue just has had it up to here with Trump. Is it up to here you've had it? Yes. When have you had enough?

ever going to end. Let me say something that I want to be abundantly clear on. Please listen. I am not pushing a Democrat agenda at all. I am anti-Trump, period. I'm not pushing anything on anyone. I want your listeners who are listening and yourself. What else can I say? The clown has got to go. In February, the Supreme Court struck down sweeping tariffs implemented by Donald Trump under the 1977 International Emergency Economic Powers Act. according to the tax foundation, a Washington, D.C. group that studies taxes. Well, do you think we should just let other countries have tariffs on our goods going there, and we should have nothing on their goods coming here? The tariffs that are, you know...

to you as the consumer but do you think uh i mean the tariffs right is it is not a it's not a hard concept okay but but it well it's a more complicated concept no no Well, I'll tell you how it is. Do you think that we should be able to take a look at people that are bringing products into our marketplace that can jeopardize American manufacturing because we can't compete with the slave wage nations and in turn put American workers out of work who are making that same product? Well, I'm just saying why is it okay for many of these countries to have tariffs on our goods coming into their marketplace, but we are not allowed to have... Those companies that are accepting our products over there, those companies are paying that tariff themselves, and they're passing along to their... to their consumers also. But I'm saying to you, why is it okay for these other countries, China, pick whichever country you want, to have tariffs on American goods that go into their marketplace, why can't we have those same tariffs? on their goods coming into our marketplace to level a playing field. Why is that, doesn't that help keep American jobs in America? Because these other countries that are bringing this stuff in, China isn't worried about Social Security. They're not worried about Medicare or Workers' Comp. They don't care or OSHA. They don't care that they have childhood labor or dirt floors or whatever the case might be in their manufacturing versus the standards we have here. So if we can't compete with that, Should we just let our industry vanish because they're bringing the same product into our marketplace much less expensive? And then when we don't have jobs, what do we do?

Ah, see. Most big overseas retailers. It's not that easy. It's not that easy. It's not that easy. This is hard. No. Pass them along to retailers with a line item in their invoice that was part of the total bill. Nonsense. Trump was the first president. that said, we are tired of these other countries screwing us. We have been sitting back while they put tariffs on our products going into their marketplace so we can't sell in their marketplace so they protect their manufacturers. And at the same time, they're sending their products over here to try to put American business out of business. For example, even as Trump is discussing now, which I'm sure people will bellyache about. During COVID, everyone was bitching about that these generic drugs are being made in China. And the complaint was China said, well, we're just going to cut you off. And people, remember people's outrage? When did we allow all of this medication to be made in China so that they can hold us hostage? So Trump has said, Right now, he wants those aspirin and generic drugs to be made in the United States of America. He does not want them made in China where they can cut us off, just as people are bitching about. However, they could cost more because of that. So which way do you want it? Do you want to be, when China threatened to cut us off of our antibiotics during COVID? And people are bitching that they're made over there in the first place. So now Trump is doing something about it to have a made here, but that might increase your cost as a consumer in getting them because our costs are higher than China's. What do you want to do? There are pros and cons on both sides. I agree. There are pros and cons on both sides. That's all I'm trying to point out. I'm trying to make, the point I'm trying to make is that Donald Trump imposed those tariffs illegally and they were taken away by the Supreme Court told them so. And what did he do? He did it again. I don't, again, there are pros and cons. And to, to iron it out is, uh, that we're not going to be able to do in the next five minutes. I know that. All right. Well, then we'll leave it there, and I wish you a wonderful weekend because, you know, you're special to me. I am, ma'am. Well, what's for dinner tonight? I don't know. I truly don't know. Do you ever plan it yourself? No, I do not. You know, I'm not even thinking about it, actually. I mean, it's not even... Not even something I'm even mulling over at this point. Okay. I'll let you know Monday. Take care of yourself, buddy. You too. I appreciate it. Hello. Good evening, Ron. How are you? It's the one and only G2. Fire away, G2. You've been missed. Well, thanks. I mean, I've got to tell you, listening to Fifth Avenue is always interesting because he's exposing his absolute...

and total lack of understanding of trade policy, the realities of trade, the impact of trade over his lifetime on his country, and an absolute lack of concern about what has been done by these foreign countries trade policies and U.S. trade policy to impoverish the American people, which, of course, is something that Alec hit on. I heard Alex call, and I thought he hit some really good points. There's a point that he's not hit during that conversation, which is that when interest rates were, say, 11% or 10% or 9%, that meant people had less cash to pay for the house. But when interest rates were driven down... The market was flooded with cash through all of the quantitative easing. You know, the government was just pumping money into the market. And so people drove up the price of houses. What's happening now is you've got the higher house prices because they haven't adjusted downward, and you've got the highest interest rates, and that's how this has become unaffordable. Of course, that's happened after the government brought in tens of millions, like 46 million people who are foreign nationals, who are here working illegally in many cases, who have been used to drive down wages. Now you've got the real pinch. You had a market flooded with cash that drove up prices. You know, cheap money does that. Then you got the price of that money changed, so it's gone up to double, really, the cost of the funds has doubled. And while that's been happening, your wages have been consistently driven down over 40 years' time by use of... skilled, semi-skilled and unskilled labor being brought in, whether it was under H-1Bs or other work visa arrangements, or just illegally being brought in under H-1Bs and illegal aliens to drive down wages. That's the squeeze, right? And, of course, at the same time, all of that cheap money that came pouring into our markets allowed large corporates and private equity firms and others. to borrow huge amounts of money so they could buy other companies. And they consolidated everything from auto repair shops, you know, try to get a fender fixed to HVAC. We're talking about the veterinarians, but also all the large corporates. So now you basically buy your food from, I don't know, five companies, six. And now in a, you know, more of an oligarch type of an environment, right? An oligarchy, you've got these huge companies that have massive price power. So we've used consolidation again, cheap money thrown into the market by the government and a lack of enforcement of antitrust laws have also driven up the cost of living. All right, that's a tough one. Of course, as those companies got bigger and bigger,

They also cut hundreds of thousands of jobs, and again, it was downward pressure on wages. What I'm saying is that the policies trade and the policies of spending money, fiscal policy and monetary policy have all conspired. to make it harder for the American people to survive. Now, you touched on property taxes earlier. That's a critical point. Remember, these property taxes adjusted upward for inflation because they were tied to home prices that were rising in this easy money environment and an inflationary environment. So they were sort of accelerating the increase of the property taxes by attach them to these taxed but unrealized gains on your home. But it wasn't just that the property taxes went up with inflation. They also raised the tax rates. They took a bigger piece of your money, a bigger percentage of your overall income. All right, now we've got a problem. We're driving up the cost of homes with easy money that's cheap. We're driving up the cost of living through consolidation and inflation. We're driving down wages by bringing in people from foreign countries specifically to drive down wages. Ask anyone displaced by an H-1B, right? and we're driving up your tax bill, not just by indexing it to inflation, sales taxes automatically go up with inflation, but by increasing the rate, the share of taxes they're taking from your income. That's what Alex is kind of, you know, hitting that. He had several of those points, but that's the, you know, that's what puts the bow around it. So now you've got this problem with Social Security where, you know, in 2012, when Social Security became insolvent. We now have yet another problem. How are we going to cover the bill on Social Security? Because it's not becoming insolvent in 5, 6, 7, 8, 9, 10 years. It's insolvent right now. Remember, Social Security was set up as a Ponzi scheme. In other words, the people that brought in the money now paid the people that were in before them, just like in a Ponzi scheme. The problem is... that there were something like $2.9 trillion more paid into the system than taken out between 1983 and 2021. All that money was stolen. There is no trust fund. Technically, there's a trust fund. I understand. People said, oh, no, no, there's a trust fund. I get that. What is the trust fund invested in? U.S. government debt. They took the money, spent it, and replaced it with an IOU. So now the taxpayer... Not only has to pay these crazy Social Security taxes, but they then have to pay enough to the federal government to repay some of the debt. in order to cover the Social Security bill because Social Security taxes no longer cover Social Security expenses. If you're not willing to pay born taxes to cover that bill, then they have to print the money once again accelerating inflation. We have a broken economic model, and that's what Alec was getting at. That's what he was explaining. We have a broken economic model, and it's the American citizen who's going to pay. He made a critical point.

That's the average American citizen. They're very, very wealthy. This thing's making the money like crazy. Inflation is driving up the value of their assets. They're getting more and more money out of this government budget, this $2.5 trillion deficit that's pumped out every year. If you've got your beak in that government trust because you've got contracts to make, I don't know, missiles, Tabahawk missiles, we're shipping them out. Two and a half million dollars apiece, we shot a thousand of them. Our enemies are using $20,000 drones and short-range missiles that cost a couple of, you know, I don't know, $20,000. We're firing $2.5 million bullets. It's somebody that's fired them back at us for $20,000. And we can't make the $20,000 bullet because we have to prop up these companies that are no more than welfare recipients. We have a broken... economic model. So I thought that call from Alec was really interesting, and I thought the call from Fifth Avenue, well, he's exposing his absolute lack of understanding of trade policy and the impact of trade on the American people. Ah, interesting scenario of the two, right? I know we're short on time, so I hit it fast. I mean, enlightening like speed. So what else is on the mind of G2 these days? Well, you know, we are in such a state of, it's a weird state that we're in right now where everybody knows that something's wrong. Most people don't really know a lot of what's wrong because they're not willing to look at it. It's too terrifying or they tell them that those are too busy with vacations. It's just people know that something's really wrong, and they don't know how to fix it. So I think we're in a country, the country's in a state of, I don't know what this is, a state of flux, an uneasiness. And I think that's going to grow because we're feeling the economic pressures. By the way, I think somebody explained it earlier. Maybe you, maybe it was out. All of the inflation hasn't happened since September or since February when the war started, right? The inflation's become over five years. It's 30% cumulative over five years, six years, five and a half, whatever. We're right now actually having relatively modest inflation. I throw out the Bureau of Labor Statistics. I don't use any of their numbers. They are ridiculous that have been for years. I use this thing called inflation. If you look at the inflation numbers right now, we're like this 2.5%. But the cost of fuel, of course, has gone up. And now that we have worked through a bunch of our strategic reserve, right? The Democrats took down 244 million barrels. Wait a minute. Hold that thought. Hold that thought back with G2 as we wrap it up. Stay tuned.

Back to school is almost here with iHeartRadio. Hard hitting action. Unforgettable moments. Unmatched energy. Be a part of an experience unlike any other with TNA wrestling live. Step inside the steel cage on Sunday, August 23rd at lockdown in Chicago. It will be carnage! See the biggest stars, including Matt and Jeff Hardy, Mike Santana, Elena Black, the system, and more collide on a night you have to see to believe. This is crazy. Visit TNAW wrestling.com for more information. Hi, Uncle Laser here. America's built on fast cars, fast food, and even faster women. Photo casinos built in America. You know what they're fast out? Fast cast, rise, redemption. You see, only Moto is U.S. own and operate. Moto. It's American made. Is that who we are? And that's who we care about. Play for free at moto.us. Moto.us, the social casino board will prohibited. No purchase necessary. Visit moto.us for more details. Must be 21 plus.

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4%, 5% of the daily consumption. Remember, we consume about, you know, if there's not a lot of demand destruction, we could do about 105 million barrels a day, something like that. The U.S. now is putting out 13 million barrels. It's incredible. I think Venezuela's kicking out more in terms of oil now. About 9. I think they're almost at 900,000 barrels a day more than they were producing before Trump went in down there. So, you know, we're seeing some relief. that's offsetting some of those losses in China being out of the market then is fixing a lot of it. So, you know, for right now we're still hanging, but basically the U.S. Strategic Petroleum Reserve can't go much lower. So, you know, where Israel decides to let us go with this war has to be determined. They have to figure out what they're going to allow us to do, and then we're going to have to do it because apparently that's the way this works. Yeah, we've got a mess going on. Well, they make the calls. We fight the wars. That's how it works. Short and simple. I got a break. There's no point pretending it's not that. That's what it is. There it is. A rare spotting, folks. A rare spotting of G2. He's been offline. He's been deep in the bunker. He's been studying. And he'll have more all next week. Right, G2? Yeah, we'll catch up next week. Have a great weekend. Thank you. Bye. Hard-hitting action. Unforgettable moments. Unmatched energy. Be a part of an experience unlike any other with TNA Wrestling live. Step inside the steel cage on Sunday, August 23rd at Lockdown in Chicago. It will be carnage. See the biggest stars, including Matt and Jeff Hardy, Mike Santana, Elena Black, the system, and more collide on a night you have to see to believe. This is crazy. Visit TNAW wrestling.com for more information. John Daly here. You know what day it is? Neither do I. I live life daily. That's why I only spend on Moto Casino. Modo's got daily free bonuses, daily tournaments, new slots out of daily. And the best part, guaranteed daily jackpots. You can't beat that. So today's the day you're gripping to spend it with me on Moto. America's Social Casino. Play for free on Moto.com.

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