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Speaker 1: Yeah, Brownie listening to your Michael Brown Situation reloaded in

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Speaker 1: the afternoon and the use of the Eagles Hotel California Music. Yeah,

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Speaker 1: you can check out any time you like, but you

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Speaker 1: can never leave brilliant. Whoever's heart of that a good day?

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Speaker 2: Michael Brown reloaded. What the heck is that?

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Speaker 3: Well, Michael Brown reloaded is the quality of this program

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Speaker 3: is so extraordinarily high that that little station we used

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Speaker 3: to be on over there, the one that has does anything,

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Speaker 3: that studio work, whatever that place was. It's like, you know,

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Speaker 3: a bad part of your life, you try to you know,

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Speaker 3: you try to block out. You get therapy for it.

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Speaker 3: You know, I'm in therapy, still over a house, so

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Speaker 3: still getting therapy.

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Speaker 2: I think the analogy was that they're the double wide.

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Speaker 3: The double wide, Yeah, double why that we moved out

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Speaker 3: of of course, the sad part is we worked for iHeart,

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Speaker 3: so we really wholly moved from the double actually moved.

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Speaker 3: We moved from a camping trailer to a double wide.

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Speaker 3: That's right, That's right. So the uh, the situation reloaded

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Speaker 3: is the is the first two hours of this quality

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Speaker 3: programming that you can then in the afternoons listen to

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Speaker 3: over on k h o W named after George W.

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Speaker 3: Bush k h o W. Now what's interesting is uh

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Speaker 3: and this listener we got fan mail, Dragon, we got

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Speaker 3: fan mail and it the g O mail. No, it's

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Speaker 3: when I when I as I was walking toward my

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Speaker 3: little cubicle. You know, I should have like an office

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Speaker 3: with a window, but clearly I just get a cubicle.

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Speaker 3: You know that fits.

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Speaker 4: You know, a few more rounds of layoffs and we'll

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Speaker 4: all have quarter offices there there pretty soon.

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Speaker 3: And what I've noticed is if you if you really

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Speaker 3: like on Saturdays, you know, because I just during the breaks,

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Speaker 3: I'll just kind of wander around. People are squatting in

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Speaker 3: offices now, oh for sure. And during the day there's

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Speaker 3: squatters everywhere.

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Speaker 4: Oh when you do the open cubicle stuff, it's very

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Speaker 4: difficult for anybody to be on the phone in the

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Speaker 4: open cubicles. So I see a lot of people grab

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Speaker 4: their laptop, grab their phone going to one of the

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Speaker 4: offices so they can actually do.

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Speaker 3: Some work, right, but they but they have little phone

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Speaker 3: booths for you to work in, but nobody uses those

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Speaker 3: because that's like going into a wah. Yeah, it's it's hilarious.

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Speaker 3: So we get this, we get this. Uh oh, So

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Speaker 3: reloaded is the first two hours of this program over

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Speaker 3: at six thirty am. So if you miss part of

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Speaker 3: this program, you can listen to it over there. But

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Speaker 3: you can always download the podcast on your podcast app.

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Speaker 3: Just search for the Situation with Michael Brown. When you

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Speaker 3: find that, get the subscribe button. Leave a five star review,

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Speaker 3: not because we're a five star program, but simply because

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Speaker 3: that helps us beat the out rhythm. So when you

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Speaker 3: see the leave the five star review, that makes it

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Speaker 3: easier for people to find us.

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Speaker 4: So you're hearing the Michael Brown or the Situation reloaded now,

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Speaker 4: but we're not doing the Situation reloaded now. We're doing

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Speaker 4: the Koa show now, so you'll get later.

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Speaker 3: But now it's a time continuum kind of warp time

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Speaker 3: time warp kind of thing.

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Speaker 2: They go wymy wibley, wobbly, Yeah, whibbley wobbly.

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Speaker 3: So what we really could do is we could go

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Speaker 3: over like this afternoon. We could go over there and

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Speaker 3: do two hours over there this afternoon and then not

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Speaker 3: come in until you know, like eleven o'clock tomorrow.

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Speaker 2: We could do that. It could be a possibility.

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Speaker 3: I know, it just kind of crossed my mind, like,

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Speaker 3: you know what we could do. We could go over

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Speaker 3: there and then just sleep in a little bit over here.

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Speaker 3: You can.

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Speaker 2: I'm still gonna be up and do the morning show.

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Speaker 3: Did you are you when the FAMI this letter?

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Speaker 4: Yeah, I wander around the open cubicles because they put

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Speaker 4: like the mail that's not delivered, that's just piled up

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Speaker 4: on it, just piled up, I know. So it's like, hey,

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Speaker 4: look like there's something there, So let me go look. Yeah,

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Speaker 4: and sure enough there's a whole bunch of letters for

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Speaker 4: you know, Chandra and Sharon, you know, people that haven't

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Speaker 4: worked here in ten plus.

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Speaker 3: Years, oh easily ten years or more.

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Speaker 4: So I look over and I see that one look like,

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Speaker 4: you know, crazy scribbling.

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Speaker 3: So he assumed it was for me. Actually it's not

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Speaker 3: for me. It's it's for Michael Brown Talent. This is

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Speaker 3: a post by the way, this is a postcard. All

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Speaker 3: of this is on a four x six or whatever

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Speaker 3: size postcards. R this is It's all on there. It's

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Speaker 3: addressed to KOA eight point fifty something blah blah, I

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Speaker 3: don't know what it is. And then Michael Brown and

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Speaker 3: then Talent under that, and then dragging d R A, G, G,

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Speaker 3: I n apostrophe So dragon like you. It's dragging your

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Speaker 3: ass around dragon, red board, not red Beard, forty six

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Speaker 3: ninety five South Monaco Street, Sweet four hundred they got,

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Speaker 3: they put the sweet and that's what kills me. And

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Speaker 3: then Denver call right Agel two three seven thirteen January

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Speaker 3: twenty twenty six, M and D.

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Speaker 2: Hey wait a minute, we got it the same month

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Speaker 2: it was sent.

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Speaker 3: I'm shocked. Listen, I'm shocked. And by the way, the

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Speaker 3: postcard is from, Oh the HOMEO where the wind comes

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Speaker 3: sweeping down the plane.

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Speaker 4: Now is that where it's actually from or is that

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Speaker 4: just the postcard itself.

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Speaker 3: No, that's where it's from. Yes, And it starts out

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Speaker 3: M and D and then all caps with two exclamation points.

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Speaker 3: And I'll give this to you and you can take

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Speaker 3: a picture of it, put it up on the website,

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Speaker 3: and all caps, don't bitch exclamation point exclamation point too late,

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Speaker 3: as if I know you are prone to do parentheses,

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Speaker 3: or at least one of you. Mb will close Brown

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Speaker 3: back in November nineteen nineteen. Back in November nineteen or twenty,

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Speaker 3: I was passing through Okay and stopped at will Rogers

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Speaker 3: archway oasis. There's an archway across the turn I think

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Speaker 3: he's referring to it across the Turner Turnpike between Oklahoma

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Speaker 3: City and Tulsa. It's like a rest stop, you know,

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Speaker 3: they trying to make an little fancy restaurant, and there's

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Speaker 3: like a little archway or something there. And of course

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Speaker 3: the word oasis, the Will Rogers archway, oasis is it

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Speaker 3: also in all caps, So we got to make none

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Speaker 3: of that. Dragon asks quote, when's the last time someone

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Speaker 3: used a stamp? Question mark close quote. Then here's where

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Speaker 3: he gets he's he's really irritated. I then had to

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Speaker 3: re enter, so he's left, so he must be listening

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Speaker 3: to this, like on the stream or something. I had

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Speaker 3: to re enter and spend seventy nine cents plus stamp

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Speaker 3: on you ingrates in all caps the word ingrates.

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Speaker 2: You're welcome.

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Speaker 3: Say something nice about Illinois, say something nice about Illinois.

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Speaker 3: Farm boy something a k P A r P r P,

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Speaker 3: I don't, I don't know. And then he has his

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Speaker 3: full name or cockroach guy might as well be a

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Speaker 3: prison letter.

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Speaker 4: I mean, we have we have the truckers, and we

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Speaker 4: have girl Dad, and then we got coaches we got cockroaches.

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Speaker 3: Cockroach, cockroach, we got cockroach. Listen to his So it's

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Speaker 3: it's it's always a pleasure to get fan mail. So

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Speaker 3: feel free at any time postcard or letter, either one.

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Speaker 3: Just remember what you mail today may not be seen

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Speaker 3: until October. So anytime, we we love. We love fan mail.

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Speaker 3: And by the way, it's a nice picture of a

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Speaker 3: setting sun. Uh you know, and this is real Oklahoma

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Speaker 3: right here? Can you see this dragon? It's it's the

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Speaker 3: planes with teps. You recognize that from your childhood. That's

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Speaker 3: where I grew up right there in that in that

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Speaker 3: TP on the right, that's the one I grew up in.

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Speaker 3: Oh man. Let me remind everybody as we slowly get

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Speaker 3: started this morning that if you would like to TMA

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Speaker 3: tell me anything, or you would like to Ama ask

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Speaker 3: me anything, or you just went a bitch and moan

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Speaker 3: about something, or you just want to you know your frustrations,

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Speaker 3: or or I always love these messages. Why don't you

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Speaker 3: talk about X? Or I wish you would explain why,

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Speaker 3: which you know I explained like just two days earlier.

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Speaker 3: If you'd like to do that on your message app

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Speaker 3: you like I messages or whatever you use, to do

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Speaker 3: text messages. Our text line is three three one zero

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Speaker 3: three three three one zero three three three one oh three.

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Speaker 3: I was just I was waiting for that three three

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Speaker 3: one zero three keyword micro Michael. And you can text us.

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Speaker 3: I honestly, and I'm not kidding here. I don't know

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Speaker 3: what the other text line number is. I don't remember.

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Speaker 3: I think it starts with the five. That's about all

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Speaker 3: I know. But ours is are but ours is three

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Speaker 3: three one zero three keyword micro Michael. If you want

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Speaker 3: me and or mister Redbeard to see a text message

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Speaker 3: three three one zero three keyword micro Michael. And by

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Speaker 3: the way, you should go all the social media apps Facebook, Instagram,

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Speaker 3: X are now under Michael D. Brown, so like X

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Speaker 3: is no longer what it was. It's at Michael D. Brown,

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Speaker 3: Instagram at Michael D. Brown, Facebook at Michael D. Brown,

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Speaker 3: So you ought to go follow all that right now.

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Speaker 4: I do enjoy reading the other text line that we

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Speaker 4: it shall not be named on during this show, because

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Speaker 4: there's this one or two, maybe even three hate listeners

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Speaker 4: that just refuse to move over to the new.

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Speaker 2: Line that the three three one oh three.

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Speaker 4: H huh, it's Mica roh Michael bro So they just

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Speaker 4: stay over there and spew off, how your oath breaker

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Speaker 4: and a Nazi and things of that.

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Speaker 2: So it's it's fun for me to read that kind.

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Speaker 3: Of you're a breaker, not an oath keeper. Oath breaker, wow, own,

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Speaker 3: but that means an oath breaker. That's kind of interesting

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Speaker 3: because something that I noticed coming in to the studio today.

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Speaker 3: Last last night, I was going to dinner and I'm

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Speaker 3: I'm I'm on the line with Wells Fargo because you know,

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Speaker 3: you know, I bought I bought the new car, so

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Speaker 3: I took a loan out. I you know, I'm I'm

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Speaker 3: how many months do you want? I don't care because

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Speaker 3: I'm gonna pay it off in the year. So just

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Speaker 3: you know whatever, you know whatsever the lowest interest rate,

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Speaker 3: I don't care, Just do that. So Wells Fargo, which

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Speaker 3: the I've banked that for forever, and I would change,

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Speaker 3: except it's just too much hassle, you know, because of

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Speaker 3: direct deposits and everything else. So I still bank up

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Speaker 3: Wells Fargo. So I get the on my app, I

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Speaker 3: get the first notification of oh there's my checking account,

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Speaker 3: my savings account, you know. And I used to have

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Speaker 3: a loan.

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Speaker 1: There.

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Speaker 3: That loan's been paid off for like ten years, but

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Speaker 3: it still shows up in my app with a zero balance.

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Speaker 3: I don't why it still appears. And now there's the

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Speaker 3: Wells Fargo auto loan in my app right, and it

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Speaker 3: shows the balance the balance due on the car. Right.

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Speaker 2: That sounds accurate.

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Speaker 3: So this month, like the beginning of the month, I

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Speaker 3: made and I'm not going to brag or say anything,

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Speaker 3: but I made about twenty I paid about twenty five

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Speaker 3: percent of loan off even before the first payment was due. Okay,

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Speaker 3: just follow with me. So I make that and remember

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Speaker 3: this is a typically this is a standard uniform commercial

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Speaker 3: Code retail installment agreement simple interest. So that means every

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Speaker 3: month there is a payment due on a certain date.

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Speaker 3: Let's just say it's January fifteen. So in January fifteen,

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Speaker 3: I need to make a payment in compliance with that

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Speaker 3: note and agreement. It's a contract. However, about four days

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Speaker 3: before the because I set up automatic payments, because I

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Speaker 3: was I knew I was going to be paying you know,

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Speaker 3: extra to get it done in a year. I let's say,

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Speaker 3: let's say January fifteen was the first payment. Well, on

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Speaker 3: January five when we first came back to work. I

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Speaker 3: set up a like a brokerage account I have as

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Speaker 3: one of the pay accounts for that auto loan, and

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Speaker 3: I transferred let's let's just pick a number. I'm not

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Speaker 3: saying this is it or not it. Let's just say

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Speaker 3: I pulled five thousand dollars out of that account to

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Speaker 3: transfer to pay onto the auto loan on January five.

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Speaker 3: By the time the due date came, it still wasn't

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Speaker 3: showing anything, even though the other the other account to

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Speaker 3: pay from account had already been debited that amount.

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Speaker 2: And that was all. That's also well as far ago account.

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Speaker 3: No, No, that's that's an outside account. Gotcha, it's like

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Speaker 3: a brokerage account. So I pulled some money out of

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Speaker 3: brokerage account and put it in there or made the payment,

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Speaker 3: but it never showed up. And then let's say on

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Speaker 3: January fifteen that, let's say if that was the payment

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Speaker 3: due date, then Wells Fargo automatically withdrew the payment from

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Speaker 3: my checking account. However, that payment didn't show up either.

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Speaker 3: So now we're like a week after the payment's due

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Speaker 3: and nothing's showing up. So I called Wells Fargo and

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Speaker 3: I explained, Hey, listen, here's xt date that account, which

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Speaker 3: you can see on your computer screen. I withdrew five

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Speaker 3: thousand dollars, and then about a week later, you withdrew.

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Speaker 3: Let's say it was five hundred dollars from my checking account,

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Speaker 3: none of which is showing up on my.

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Speaker 2: On my app.

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Speaker 3: And she couldn't explain it either. But your account's not

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Speaker 3: passed due? Well, how many? How many of my accounts

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Speaker 3: not passed due? When I've paid humpteen thousands of dollars

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Speaker 3: on it and nothing showing up? The point I want

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Speaker 3: to get to is But she finally said, well, I'm

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Speaker 3: gonna you know, I'm gonna I'm gonna elevate it or

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Speaker 3: I'm gonna do whatever I do to this, you know,

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Speaker 3: to figure out what's going on. I said, okay, Well,

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Speaker 3: then how am I going to know? I have a

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Speaker 3: simple question. How am I going to know when you

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Speaker 3: resolve this, and how I know what the problem was

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Speaker 3: and you have fixed the problem so this won't happen again.

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Speaker 3: She said, well you have to. Then you have to

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Speaker 3: turn this call into a complaint, not an inquiry. Okay,

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Speaker 3: then I want to I want to make a complaint

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Speaker 3: that I thought I was complaining and bitching about this

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Speaker 3: not happening. So I thought I was That's what I

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Speaker 3: was doing, But apparently I wasn't. So I said, okay,

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Speaker 3: I didn't make this a complaint call. Okay, in that case,

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Speaker 3: we'll let you know what the result of the complaint is. Okay, ma'am,

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Speaker 3: how are you going to do that? Like? Are you

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Speaker 3: going to send me an email? I am, I have

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Speaker 3: to wait for a letter. I can I get a

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Speaker 3: phone call? She says, Well, what do you want?

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Speaker 1: Said?

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Speaker 3: I want a phone call, but I want a phone

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Speaker 3: call from a number that I know as well as

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Speaker 3: Fargo's well and answer it. Oh, oh no, you'll it'll

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Speaker 3: show Wells Fargo. We don't hire numbers. You'll know it's

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Speaker 3: Wells Fargo. Okay. So I'm on my way to dinner

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Speaker 3: last night to meet a friend, and Wells Fargo pops up,

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Speaker 3: and I think, Wells Fargo must have a huge branch

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Speaker 3: in Bangalore or New Delhi or somewhere. So the kids

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Speaker 3: trying to explain to me what happened, and it's not

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Speaker 3: making any sense at all, and so I asked a question.

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Speaker 2: I started asking some questions.

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Speaker 3: No, I think it's heated. I think he was just

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Speaker 3: giving me a script. And so every time you'd like pause,

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Speaker 3: I'd say, well, let me ask you this, and I'd say, well, why,

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Speaker 3: because I said, this is a standard contract. Blah blah blah,

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Speaker 3: why X y Z. It's a response to it. I

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Speaker 3: think I asked five questions. The response to every question

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Speaker 3: was that's a really good question. And I'm thinking that

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Speaker 3: you haven't answer this. What the complaints about? Then he

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Speaker 3: explains this, that help me understand this. So it's the

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Speaker 3: standard contract every UCC contracts I've ever dealt with. You know,

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Speaker 3: you can pay ahead, but you still have to make

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Speaker 3: the monthly payment, right, the princely payments still due every month.

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Speaker 3: Even if you paid fifty percent of the note off,

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Speaker 3: you still have to make that monthly payment every month

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Speaker 3: until the balance is zero. He goes, well, since you

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Speaker 3: paid x number, you've actually paid like six months in advance.

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Speaker 3: And I said, no, I haven't. I've not done that.

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Speaker 3: I said, I paid down whatever interest was due at

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Speaker 3: the moment you received that, you know, for that thirty

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Speaker 3: day period, and whatever you apply first to the interest

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Speaker 3: and then the rest of the principal. And when I

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Speaker 3: got as I'm at a stoplight, I pulled my app

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Speaker 3: up real quick. Let's say the extra five thousand dollars

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Speaker 3: I paid, they actually broke that into two separate payments,

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Speaker 3: two separate principal payments. And I asked, why would why

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Speaker 3: would you do that? And the answer was, that's a

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Speaker 3: really good question.

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Speaker 5: There's your first problem. You're banking with Wells Fargo. They

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Speaker 5: are always been rated one of the worst banks in America.

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Speaker 5: Get your money out of there, now, save yourself.

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Speaker 3: Remember when they went through all the fraud stuff where

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Speaker 3: they were just setting up fake accounts and everything. Well,

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Speaker 3: there's a couple of points in this story that I

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Speaker 3: want to get to and finish. So I on the

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Speaker 3: phone with this kid who is supposed to be answering

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Speaker 3: the complaint and responding to the complaint, but every time

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Speaker 3: I restate the complaint as a different form of the

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Speaker 3: same question, his immediate response is, well, that's a very

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Speaker 3: good question. Now, if you just tuned in, I so

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Speaker 3: new car, and the first payment was due like January fifteen,

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Speaker 3: but prior to January fifteen, I made a large payment

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Speaker 3: to start bringing down the principal. So I want to

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Speaker 3: pay this car all early. Then the kid says, I said,

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Speaker 3: so but you you still have explained to me why

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Speaker 3: none of these payments showed up in my app when clearly,

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Speaker 3: like the the non Wells Fargo bank showed the debit,

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Speaker 3: and even the Wells Fargo account to my checking account

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Speaker 3: which you took the monthly payment out of, also showed

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Speaker 3: the debit, but the credits never showed up on the

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Speaker 3: app where I'm seeing the debits but I'm not seeing

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Speaker 3: the credits. And then I said, well, I finally asked,

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Speaker 3: and then you just told me that and again to

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Speaker 3: say it was five thousand dollars. You broke the credit

336
00:18:44,800 --> 00:18:47,800
Speaker 3: up into two separate credits. They took the five thousand

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00:18:47,880 --> 00:18:53,200
Speaker 3: dollars and credited three thousand dollars and two thousand dollars

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Speaker 3: for total of five plus the regular monthly payment. And

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Speaker 3: I'm like, why did you do that? I mean, what, what?

340
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Speaker 3: What's the purpose here? And how does that happen? And

341
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Speaker 3: why did it take so long for all these things

342
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Speaker 3: to show up? He can't answer any of those questions.

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Speaker 3: But here's the coup de gross. He says, well, mister Brown,

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Speaker 3: don't worry about it, because because you paid extra, you

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Speaker 3: don't need to make another payment for like five or

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Speaker 3: six months, And I said, how can that possibly be?

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Speaker 3: That's a violation of the con the terms of the contract.

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Speaker 3: The contract says very specifically that I have a payment

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Speaker 3: of X amount due on again, let's just say the fifteenth,

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Speaker 3: on the fifteenth of the month that I have that

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Speaker 3: payment due. And if that payment's not received within I

352
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Speaker 3: don't know what it is, five days, ten days, then

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Speaker 3: there is a penalty. There's a you know, there's a

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Speaker 3: charge and a penalty, and you can also report it

355
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Speaker 3: to the credit bureaus. And you know, I don't want

356
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Speaker 3: my credit score screwed up because of your ineptitude. So well,

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Speaker 3: that's a really good question. It's a really good question.

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Speaker 3: Now I haven't practiced ucc uniform commercial Code law in

359
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Speaker 3: of years, but the basic rule is under these installment contracts,

360
00:20:05,040 --> 00:20:06,719
Speaker 3: you can pay it had as much as you want to,

361
00:20:06,960 --> 00:20:09,080
Speaker 3: but you still have to pay your monthly payment. That's

362
00:20:09,080 --> 00:20:11,919
Speaker 3: the terms of the contract. Every month you have a

363
00:20:12,040 --> 00:20:14,960
Speaker 3: payment due, whether you've paid extra or not, either before

364
00:20:15,040 --> 00:20:16,439
Speaker 3: or after that payment was do you just let to

365
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Speaker 3: pay it? And I'm trying to explain to him, I'm

366
00:20:18,800 --> 00:20:21,199
Speaker 3: trying to explain to him what the terms of the

367
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Speaker 3: contract are and he's like, oh, no, no, no, no,

368
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Speaker 3: we don't deal. We don't do it that way. And

369
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Speaker 3: if if you've made let's just say it equated to

370
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Speaker 3: six months, you've made an extra six months of payment.

371
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Speaker 3: So you know, if you just forget to make a payment,

372
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Speaker 3: or you just don't want to make a payment, but

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Speaker 3: you don't have to. And I just I just blurted

374
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Speaker 3: out without even thinking my favorite word bull, you know what.

375
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Speaker 3: And he goes, well, why would you say that, I said,

376
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Speaker 3: because that's not how contracts work. I finally, Oh, So,

377
00:21:01,280 --> 00:21:03,800
Speaker 3: while all that's going on, to get to the points

378
00:21:03,840 --> 00:21:07,359
Speaker 3: I really make about how crazy our society is, you know,

379
00:21:07,400 --> 00:21:11,359
Speaker 3: people can't drive in this state. They simply cannot drive.

380
00:21:12,400 --> 00:21:14,879
Speaker 3: Now I'm watching the road, but I understand that I

381
00:21:14,920 --> 00:21:18,440
Speaker 3: am probably a little mentally distracted because I'm having an

382
00:21:18,680 --> 00:21:24,000
Speaker 3: insane conversation with somebody in New Delhi or Bangalore about

383
00:21:24,040 --> 00:21:27,560
Speaker 3: an account to supposedly have to San Francisco or Hell's.

384
00:21:27,960 --> 00:21:29,840
Speaker 3: I don't know where the hell they keep their Wells

385
00:21:29,920 --> 00:21:32,840
Speaker 3: Fargo auto loan, so I don't know where it is.

386
00:21:33,119 --> 00:21:35,760
Speaker 2: So this is all, you know, globally going on.

387
00:21:36,680 --> 00:21:40,399
Speaker 3: At the same time that somebody's committing road rage and

388
00:21:40,680 --> 00:21:43,919
Speaker 3: almost you know, runs me off the road. I slam

389
00:21:43,960 --> 00:21:46,159
Speaker 3: on my brakes and honk the horn, and you know,

390
00:21:46,520 --> 00:21:48,560
Speaker 3: I'm so busy trying to make sure I'm not hitting anybody.

391
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Speaker 1: It.

392
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Speaker 3: Can we have time to give this guy the finger? People,

393
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Speaker 3: Our society, for some reason has just gotten to the

394
00:21:55,760 --> 00:21:58,080
Speaker 3: point where nothing seems to work the way that it's

395
00:21:58,119 --> 00:22:01,960
Speaker 3: supposed to work. Can some numb nut in Bangalore try

396
00:22:02,000 --> 00:22:04,720
Speaker 3: to explain to me how a contract works and then

397
00:22:04,720 --> 00:22:06,760
Speaker 3: try to tell me, oh, you know, like you forget

398
00:22:06,760 --> 00:22:09,240
Speaker 3: a payment, don't worry about it. Now, what kind of

399
00:22:09,440 --> 00:22:11,320
Speaker 3: how do you do? How do you conduct a business

400
00:22:11,400 --> 00:22:14,400
Speaker 3: where you have a contract that requires a monthly payment

401
00:22:14,560 --> 00:22:17,840
Speaker 3: and you got some you know, complain department telling me, oh, no,

402
00:22:17,880 --> 00:22:19,760
Speaker 3: if you don't want to make, you forget or don't

403
00:22:19,760 --> 00:22:23,159
Speaker 3: want to do, just don't worry about it. Really, I

404
00:22:23,200 --> 00:22:26,520
Speaker 3: think I'll try that with everything. Maybe I'll try that

405
00:22:26,600 --> 00:22:29,159
Speaker 3: with the Internal Revenue Service. You know, I just you know,

406
00:22:29,160 --> 00:22:31,360
Speaker 3: I forgot about it. I just forgot to pay my taxes.

407
00:22:31,440 --> 00:22:35,520
Speaker 3: See how that works out. Then this morning I go

408
00:22:35,600 --> 00:22:39,800
Speaker 3: to I go over to the Sonic get my diet Cote,

409
00:22:40,359 --> 00:22:44,320
Speaker 3: Jerry Cote. I'm coming back around Monico or whatever that is.

410
00:22:44,720 --> 00:22:47,560
Speaker 3: It goes around by that. Sonny and I come over

411
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Speaker 3: here by the Tech Center and I see, you know,

412
00:22:50,680 --> 00:22:54,240
Speaker 3: it's it's a boulevard, so there's a giant medium. It's

413
00:22:54,320 --> 00:22:58,080
Speaker 3: like the the east and west lanes, north and south lanes,

414
00:22:58,080 --> 00:23:02,720
Speaker 3: because all kind of curves are very far apart. Now

415
00:23:02,840 --> 00:23:07,880
Speaker 3: there's a bus stopped with the lights on. I don't

416
00:23:08,040 --> 00:23:10,960
Speaker 3: I slow down, but I do not stop because there

417
00:23:11,080 --> 00:23:13,960
Speaker 3: is such a huge boulevard between us. But here's what

418
00:23:14,040 --> 00:23:17,920
Speaker 3: I noticed over on the other side, where the bus

419
00:23:18,000 --> 00:23:20,720
Speaker 3: is stopped and stop signs, you know, the signs that

420
00:23:20,760 --> 00:23:22,160
Speaker 3: you know, pop out of the side of the bus.

421
00:23:22,280 --> 00:23:25,280
Speaker 3: They're out, the red lights are on. But yet there

422
00:23:25,359 --> 00:23:29,000
Speaker 3: is still there's a man who has stepped out into

423
00:23:30,119 --> 00:23:33,440
Speaker 3: the center lane of the of that opposite lane where

424
00:23:33,480 --> 00:23:37,520
Speaker 3: the bus is sitting. He's having to stop traffic because

425
00:23:37,720 --> 00:23:42,119
Speaker 3: cars aren't stopping for a stop school bus with the

426
00:23:42,240 --> 00:23:46,040
Speaker 3: lights flashing. What the hell is going on this morning

427
00:23:46,800 --> 00:23:52,640
Speaker 3: between that last night and you know, Michael the cockroach guy,

428
00:23:53,480 --> 00:23:56,320
Speaker 3: and Wells Fargo and the school bus. I'm just like,

429
00:23:56,440 --> 00:23:58,040
Speaker 3: I just didn't want to I'm gonna go back home

430
00:23:58,040 --> 00:24:00,680
Speaker 3: and go back to bed, go home and go back

431
00:24:00,680 --> 00:24:06,919
Speaker 3: to bed, start all over. I don't get it. Now,

432
00:24:07,760 --> 00:24:11,040
Speaker 3: let's go from that to you know when we do

433
00:24:11,119 --> 00:24:16,960
Speaker 3: taxpayer relief shots. Well, dirty little secret is Dragon doesn't

434
00:24:16,960 --> 00:24:19,600
Speaker 3: do those, right, course, Dragon doesn't do anything.

435
00:24:19,760 --> 00:24:21,840
Speaker 4: But you know I record them into the system so

436
00:24:21,880 --> 00:24:24,240
Speaker 4: that you can forget to double click and play the audio.

437
00:24:24,760 --> 00:24:25,760
Speaker 2: That's about it.

438
00:24:26,200 --> 00:24:29,760
Speaker 3: You know, Well, we have our system, we have we

439
00:24:29,800 --> 00:24:30,760
Speaker 3: have our process.

440
00:24:30,800 --> 00:24:36,359
Speaker 4: I don't compile the the the news reports that were.

441
00:24:36,040 --> 00:24:39,040
Speaker 3: Dragon and I take half of our salary each and

442
00:24:39,080 --> 00:24:41,280
Speaker 3: put it into a pool, and we pay a guy

443
00:24:41,320 --> 00:24:44,119
Speaker 3: who lives at the You don't now the people or

444
00:24:44,160 --> 00:24:46,880
Speaker 3: in khow know this, but we have a guy who

445
00:24:46,920 --> 00:24:50,240
Speaker 3: goes by the nickname Agent jet A. He's a pilot

446
00:24:50,280 --> 00:24:52,760
Speaker 3: and he'll tell you he's a pilot and he's an engineer.

447
00:24:52,800 --> 00:24:55,919
Speaker 3: So he's a double jerk. He's a double you know,

448
00:24:56,280 --> 00:24:58,960
Speaker 3: engineer and a pilot. So you know how bad this

449
00:24:59,040 --> 00:25:03,040
Speaker 3: guy is, Well, he's he's not done very well in life.

450
00:25:03,200 --> 00:25:06,000
Speaker 3: So he moved out of his big horse farm down

451
00:25:06,119 --> 00:25:10,479
Speaker 3: by in Parker Monument, frank Town wherever it was, and

452
00:25:10,520 --> 00:25:13,920
Speaker 3: he's moved and now lives in a tenement house off

453
00:25:13,960 --> 00:25:17,760
Speaker 3: the end of runway thirty five L at Newark International Airport,

454
00:25:18,400 --> 00:25:21,679
Speaker 3: and you know, occasionally you can if you call him,

455
00:25:21,680 --> 00:25:25,840
Speaker 3: which we try to avoid, you can hear the jets rumbling,

456
00:25:25,880 --> 00:25:28,120
Speaker 3: either landing or taking off, because you know, Newark's only

457
00:25:28,160 --> 00:25:30,720
Speaker 3: two ways, and it's kind of sad. But he listened

458
00:25:30,760 --> 00:25:35,400
Speaker 3: this tenement. So we pay him to compile these paxpay

459
00:25:35,440 --> 00:25:38,880
Speaker 3: relief shots for us every week and he gets paid well,

460
00:25:38,920 --> 00:25:41,000
Speaker 3: but you know, he spends it on math and you

461
00:25:41,000 --> 00:25:44,600
Speaker 3: know whatever, and lives his life there in Newark. It's sad,

462
00:25:44,680 --> 00:25:47,399
Speaker 3: but it is what it is. He sent me a

463
00:25:47,440 --> 00:25:51,640
Speaker 3: story that he said it to me. Must have been

464
00:25:51,640 --> 00:25:53,919
Speaker 3: maybe Monday or something. I don't remember when when it was,

465
00:25:54,720 --> 00:25:56,640
Speaker 3: but I didn't see it until that morning. I didn't

466
00:25:56,640 --> 00:25:59,800
Speaker 3: read it until yesterday. And I can't believe I've missed

467
00:25:59,840 --> 00:26:05,119
Speaker 3: all of this. Here here's the headline, Denver suburb. This

468
00:26:05,160 --> 00:26:09,359
Speaker 3: comes from the Denver Compost. Denver suburb faced a sudden

469
00:26:09,480 --> 00:26:13,560
Speaker 3: forty two million dollar fiscal hole as it reckons with

470
00:26:13,800 --> 00:26:20,960
Speaker 3: ruling finding a city tax violated Tabor. Wow, wait till

471
00:26:20,960 --> 00:26:24,080
Speaker 3: you hear the details of this story. I cannot I'm

472
00:26:24,119 --> 00:26:25,560
Speaker 3: actually embarrassed I missed.

473
00:26:25,280 --> 00:26:28,120
Speaker 6: This Mike, I did the exact same thing and ended

474
00:26:28,160 --> 00:26:32,800
Speaker 6: up with the exact same issue. All they do is

475
00:26:32,840 --> 00:26:37,920
Speaker 6: apply your advanced payment to the to the Mountain payments.

476
00:26:38,359 --> 00:26:41,200
Speaker 6: The way I got around it was that I set

477
00:26:41,280 --> 00:26:44,560
Speaker 6: up on automatic payment from my bank to them. So

478
00:26:44,680 --> 00:26:46,719
Speaker 6: even though the statements that I had zero do and

479
00:26:46,760 --> 00:26:50,720
Speaker 6: they would not debit my account, I still was able

480
00:26:50,720 --> 00:26:53,879
Speaker 6: to get it done by sending it from my bank.

481
00:26:55,040 --> 00:26:58,000
Speaker 3: Yeah, I get that, and I have automatic payments coming

482
00:26:58,040 --> 00:27:00,919
Speaker 3: out of my well Wells Fargo checking account also, so

483
00:27:01,080 --> 00:27:04,560
Speaker 3: every month they're going to get there required monthly payment

484
00:27:04,600 --> 00:27:07,439
Speaker 3: according to the contract. But there's also this Dragon. I

485
00:27:07,440 --> 00:27:10,000
Speaker 3: were laughing during the break. Dragon experienced the same thing

486
00:27:10,000 --> 00:27:12,000
Speaker 3: when he was eighteen years old and he got you know,

487
00:27:12,560 --> 00:27:15,000
Speaker 3: he is trying to pay a car off early too,

488
00:27:15,119 --> 00:27:17,040
Speaker 3: and he got a statement that said, you know, zero

489
00:27:17,160 --> 00:27:19,320
Speaker 3: do this month, so he didn't pay it. He didn't

490
00:27:19,320 --> 00:27:20,960
Speaker 3: do that for several months, and then what happened.

491
00:27:20,760 --> 00:27:25,040
Speaker 4: Dragon, There was a very large payment due once I

492
00:27:25,119 --> 00:27:27,200
Speaker 4: quote ran out of money. So I had called them

493
00:27:27,200 --> 00:27:29,240
Speaker 4: and be like, oh wait a minute, And.

494
00:27:30,520 --> 00:27:33,160
Speaker 3: If I hadn't gotten such a great interest rate from

495
00:27:33,200 --> 00:27:36,639
Speaker 3: Wells Fargo or maybe somebody out there knows somebody that

496
00:27:36,720 --> 00:27:40,520
Speaker 3: can beat a five point four percent out a loan,

497
00:27:41,440 --> 00:27:44,119
Speaker 3: let me know. Because what I thought about doing, just

498
00:27:44,119 --> 00:27:46,840
Speaker 3: to stick it to Wells Fargo was I just refinance.

499
00:27:46,880 --> 00:27:49,000
Speaker 3: It looked quick. I just go to there's another credit union,

500
00:27:49,000 --> 00:27:50,880
Speaker 3: and I go somewhere else and just get a new

501
00:27:50,880 --> 00:27:53,040
Speaker 3: loan for that. Because I can get a new loan

502
00:27:53,119 --> 00:27:55,439
Speaker 3: with my credit score. Anybody can be happy to have

503
00:27:55,480 --> 00:27:57,800
Speaker 3: my loan, and I'll just pay Wells Fargo off and

504
00:27:57,840 --> 00:27:58,320
Speaker 3: be done with it.

505
00:27:58,640 --> 00:28:01,159
Speaker 2: Me see, if it's somebody from oh, you know, you might.

506
00:28:02,000 --> 00:28:04,320
Speaker 3: If we have any contact with somebody that might work

507
00:28:04,400 --> 00:28:07,040
Speaker 3: at a credit union, of course, then she's going to

508
00:28:07,760 --> 00:28:11,159
Speaker 3: hang that over my head forever. So that's there's a

509
00:28:11,280 --> 00:28:14,880
Speaker 3: there's a kind of a good and bad thing to that.

510
00:28:15,280 --> 00:28:17,520
Speaker 2: She's gonna expect a much larger Christmas present.

511
00:28:17,800 --> 00:28:20,639
Speaker 3: You can respect a larger Christmas present. And then if

512
00:28:20,680 --> 00:28:24,560
Speaker 3: I'm fifteen seconds late ever on a payment, it'll just

513
00:28:24,680 --> 00:28:27,000
Speaker 3: be like, Okay, we're just gonna sue your ass. That's

514
00:28:27,040 --> 00:28:29,359
Speaker 3: what you know. We're not gonna call you or send

515
00:28:29,359 --> 00:28:31,080
Speaker 3: you a late dude. No, We're just gonna We're just

516
00:28:31,119 --> 00:28:37,840
Speaker 3: gonna we're gonna repossess your your your your dogs. But

517
00:28:37,960 --> 00:28:43,000
Speaker 3: you might find out. So back to this Denver Post story,

518
00:28:43,120 --> 00:28:44,800
Speaker 3: here's what Let me just tell you a little bit

519
00:28:44,840 --> 00:28:48,360
Speaker 3: about it. Lake was about to face a Lakewood a

520
00:28:48,600 --> 00:28:52,640
Speaker 3: costly reckoning with the with taber forty two million dollar reckoning.

521
00:28:53,240 --> 00:28:55,680
Speaker 3: That's the amount according to the Denver Post. The state's

522
00:28:55,680 --> 00:28:59,480
Speaker 3: fifth largest city has calculated that it owes two dozens

523
00:28:59,480 --> 00:29:03,520
Speaker 3: of cell phone carriers and telecom companies that it wrongfully

524
00:29:03,600 --> 00:29:06,480
Speaker 3: taxed for years. The bill is now coming due after

525
00:29:06,520 --> 00:29:09,640
Speaker 3: the Colorado Supreme Court ruled last year. Can I cannot

526
00:29:09,800 --> 00:29:13,760
Speaker 3: believe that I missed this case and it was a

527
00:29:13,880 --> 00:29:18,360
Speaker 3: unanimous decision too. Holy cow? What was I doing last September?

528
00:29:18,680 --> 00:29:19,360
Speaker 1: What were we doing?

529
00:29:19,440 --> 00:29:23,080
Speaker 3: Dragon? We must have been totally out of it. The

530
00:29:23,120 --> 00:29:25,480
Speaker 3: bill is now coming due after the Colorado Supreme Court

531
00:29:25,600 --> 00:29:28,680
Speaker 3: ruled last year that the city had violated Tabor's state

532
00:29:28,720 --> 00:29:33,160
Speaker 3: constitutional amendment by levying a business and occupation tax without

533
00:29:33,200 --> 00:29:37,440
Speaker 3: first obtaining voter approval. The one hundred and fifty four

534
00:29:37,800 --> 00:29:40,719
Speaker 3: one eighty nine dollars the city must return to more

535
00:29:40,760 --> 00:29:44,240
Speaker 3: than one hundred and seventy companies represents more than thirteen

536
00:29:44,280 --> 00:29:47,960
Speaker 3: percent of their twenty twenty six annual budget at an

537
00:29:47,960 --> 00:29:51,920
Speaker 3: amount that Lakewood Councilman Jake Lebrue clenching his fistics and frustration.

538
00:29:52,280 --> 00:29:54,360
Speaker 3: I'm angry. I think it's a big step back for

539
00:29:54,400 --> 00:29:56,600
Speaker 3: the city. There's a lot at stake with us. Well, then,

540
00:29:56,640 --> 00:30:01,480
Speaker 3: why didn't you comply with the law. These people, these

541
00:30:01,520 --> 00:30:05,600
Speaker 3: elected officials, just drive me up the freaking wall. It's

542
00:30:05,640 --> 00:30:09,400
Speaker 3: not your money. You violated the constitution. The Supreme Court

543
00:30:09,480 --> 00:30:12,080
Speaker 3: told you that in a nine to zero decision, and

544
00:30:12,160 --> 00:30:14,479
Speaker 3: yet you continue to collect the tax, and now that

545
00:30:14,520 --> 00:30:16,200
Speaker 3: you have to pay it back, Oh woe is me?

546
00:30:16,680 --> 00:30:18,880
Speaker 3: Clench your fist at the sky all you want to

547
00:30:20,480 --> 00:30:23,080
Speaker 3: in order to diver post in order to come up

548
00:30:23,120 --> 00:30:26,480
Speaker 3: with the money directify the illegal collection, Lakewood may have

549
00:30:26,560 --> 00:30:29,960
Speaker 3: to take a proverbial acts to plan programs and projects

550
00:30:30,000 --> 00:30:35,280
Speaker 3: in Jefferson County, said Holly Jortlin, Lakewood CFO. By the way,

551
00:30:35,640 --> 00:30:39,000
Speaker 3: I would say the CFO too, what were you doing?

552
00:30:40,320 --> 00:30:42,720
Speaker 3: The Lakewood City Council voted earlier this month to move

553
00:30:42,720 --> 00:30:46,160
Speaker 3: a sizable supplemental budget request resulting from the matter to

554
00:30:46,240 --> 00:30:49,880
Speaker 3: the January twenty sixth council meeting. Exactly what sacrifices the

555
00:30:49,880 --> 00:30:52,160
Speaker 3: city will have to make in terms of next projects

556
00:30:52,280 --> 00:30:55,360
Speaker 3: and rearranged priorities will be determined over the next few months,

557
00:30:55,360 --> 00:30:57,600
Speaker 3: according as the city staff tries to figure out what

558
00:30:57,640 --> 00:31:02,520
Speaker 3: to do. So here is the case I and again,

559
00:31:02,880 --> 00:31:06,040
Speaker 3: I really, I sincerely apologize for having missed this. It

560
00:31:06,160 --> 00:31:10,120
Speaker 3: just goes to show there is so much going on. Yeah,

561
00:31:10,160 --> 00:31:12,640
Speaker 3: I had a doctor actually going to a doctor's appointment

562
00:31:12,680 --> 00:31:15,760
Speaker 3: yesterday too, just to get the results of my manual physical.

563
00:31:15,920 --> 00:31:17,760
Speaker 3: You know, I am in great health. Dragon. I just

564
00:31:17,760 --> 00:31:21,640
Speaker 3: want you to know that I'm not gonna keel over

565
00:31:21,640 --> 00:31:22,400
Speaker 3: anytime soon.

566
00:31:22,680 --> 00:31:23,640
Speaker 2: Yeah, YEA.

567
00:31:24,520 --> 00:31:28,360
Speaker 3: Good for you, bad for iHeart, bad for the listeners,

568
00:31:28,360 --> 00:31:34,600
Speaker 3: but good for me. The Colorado Supreme Court handed down

569
00:31:34,640 --> 00:31:39,000
Speaker 3: a unanimous decision. There is probably, now that I've read

570
00:31:39,000 --> 00:31:42,480
Speaker 3: the stupid thing, the most significant Tabor ruling since back

571
00:31:42,480 --> 00:31:44,880
Speaker 3: in twenty ten, in a case called Barber versus Ritter.

572
00:31:46,040 --> 00:31:50,520
Speaker 3: It is unanimous six to zero. Just as some more recused,

573
00:31:51,400 --> 00:31:56,840
Speaker 3: Justice Gabrielle held that Colorado's statutory retailer fee retailer fee

574
00:31:57,400 --> 00:32:01,840
Speaker 3: on retail delivery transactions is unconstantial entertaber because it's actually

575
00:32:01,880 --> 00:32:04,560
Speaker 3: a tax, not a fee, and we know that taxes

576
00:32:04,600 --> 00:32:09,360
Speaker 3: require voter approval. Under the Colorado Constitution, the Court struck

577
00:32:09,400 --> 00:32:14,680
Speaker 3: down the fee entirely, absolutely, unanimously