ROL_2012-12-27_16k.timecode

[00:00.000 --> 00:08.360]  This tropical fruit does wonders for your heart, skin and hair, plus it kills harmful
[00:08.360 --> 00:10.720]  bacteria and promotes oral hygiene.
[00:10.720 --> 00:16.840]  And Dr. Cameron Albrecht, in a moment, I'll let you know what that healthy something is.
[00:16.840 --> 00:18.560]  Privacy is under attack.
[00:18.560 --> 00:22.160]  When you give up data about yourself, you'll never get it back again.
[00:22.160 --> 00:27.160]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[00:27.160 --> 00:32.280]  It'll protect your rights, say no to surveillance and keep your information to yourself.
[00:32.280 --> 00:34.960]  Privacy, it's worth hanging onto.
[00:34.960 --> 00:40.480]  This message is brought to you by StartPage.com, the private search engine alternative to Google,
[00:40.480 --> 00:42.280]  Yahoo and Bing.
[00:42.280 --> 00:46.160]  Start over with StartPage.
[00:46.160 --> 00:48.360]  Coconut oil has long gotten a bad rap.
[00:48.360 --> 00:53.680]  Although partially hydrogenated coconut oil is unhealthy, virgin coconut oil can do wonders
[00:53.680 --> 00:55.600]  for your looks and your health.
[00:55.600 --> 00:58.440]  Let's start with the antioxidant effects.
[00:58.440 --> 01:02.920]  Much like vitamin E, coconut oil helps exfoliate and repair damaged skin.
[01:02.920 --> 01:08.240]  It stimulates thyroid function and converts cholesterol into anti-aging steroids, lowering
[01:08.240 --> 01:11.040]  the risk of cancer and heart disease.
[01:11.040 --> 01:13.040]  Coconut oil also promotes weight loss.
[01:13.040 --> 01:16.160]  By boosting your metabolism, it makes you feel full longer.
[01:16.160 --> 01:20.680]  Finally, it's a natural antibiotic that can help prevent tooth decay.
[01:20.680 --> 01:22.880]  So let's all go nuts for coconuts.
[01:22.880 --> 01:28.440]  I'm Dr. Catherine Albrecht for StartPage.com, the world's most private search engine.
[01:32.440 --> 01:35.440]  Oh Christmas tree, oh Christmas tree.
[01:35.440 --> 01:40.640]  It feels like Christmas trees have been around forever, but in fact they're fairly new and
[01:40.640 --> 01:42.640]  once they were very controversial.
[01:42.640 --> 01:47.040]  I'm Dr. Catherine Albrecht, back to tell you why in a moment.
[01:47.040 --> 01:48.760]  Privacy is under attack.
[01:48.760 --> 01:52.360]  When you give up data about yourself, you'll never get it back again.
[01:52.360 --> 01:57.360]  And once your privacy is gone, you'll find your freedoms will start to vanish too.
[01:57.360 --> 02:02.440]  So protect your rights, say no to surveillance and keep your information to yourself.
[02:02.440 --> 02:05.120]  Privacy, it's worth hanging on to.
[02:05.120 --> 02:10.760]  This message is brought to you by StartPage.com, the private search engine alternative to Google,
[02:10.760 --> 02:12.440]  Yahoo and Bing.
[02:12.440 --> 02:15.960]  Start over with StartPage.
[02:15.960 --> 02:18.960]  Would we even recognize Christmas without the tree?
[02:18.960 --> 02:24.600]  Under Santa Claus, it's the most popular symbol of the season, but it has a history of controversy.
[02:24.600 --> 02:29.880]  In olden times, pagans worshipped evergreens during winter solstice rituals, so many Christians
[02:29.880 --> 02:34.480]  condemned them along with mistletoe and holly as pagan symbols.
[02:34.480 --> 02:40.160]  It wasn't until 1851 that a Christmas tree was even allowed inside an American church.
[02:40.160 --> 02:45.200]  At first, Pastor Henry Schwann of Cleveland was condemned as a paganist and members of
[02:45.200 --> 02:48.480]  his congregation even threatened him with harm.
[02:48.480 --> 02:53.200]  Thanks forward to today and more than 30 million Christmas trees are sold in the U.S. every
[02:53.200 --> 02:54.200]  year.
[02:54.200 --> 03:22.640]  Thanks to Christopher and Albert for StartPage.com, the world's most private search engine.
[03:24.200 --> 03:41.560]  Okay, this is Randy Kelton, Debra Stephens, Eddie Quake, Roova Radio.
[03:41.560 --> 03:49.040]  Tonight is just Randy Kelton, Debra is out on location somewhere, and Eddie normally
[03:49.040 --> 03:54.160]  doesn't do the Thursday night, so you're stuck with me again.
[03:54.160 --> 03:58.800]  But it's not a problem because we're not really here.
[03:58.800 --> 04:08.840]  It only appears as though we're here, because as everybody knows, the world ended last week,
[04:08.840 --> 04:12.960]  so this must just be an illusion.
[04:12.960 --> 04:23.960]  The Mayan calendar ended December the 21st, 2012, touted for years as the ultimate end
[04:23.960 --> 04:25.960]  of the world.
[04:25.960 --> 04:33.000]  We're talking to someone the other day about that, and he said that those people who just
[04:33.000 --> 04:37.160]  hadn't been around long enough, they've been around as long as we have, they've been through
[04:37.160 --> 04:39.840]  lots of ends of the world.
[04:39.840 --> 04:48.640]  The world ends every few years for some reason or another, and I guess he was kind of right.
[04:48.640 --> 04:53.760]  All through recent history, there have been one prediction after another.
[04:53.760 --> 05:00.840]  We've always had one group or another telling you to eat, drink and be merry, for tomorrow
[05:00.840 --> 05:02.840]  you die.
[05:02.840 --> 05:11.840]  Well, we got up to December 21st, and somehow we got past it, so now we just have to deal
[05:11.840 --> 05:12.840]  with things.
[05:12.840 --> 05:17.600]  We're not going to have some aliens come down here from a twelfth planet and straighten
[05:17.600 --> 05:23.160]  things out for us, so it looks like we're going to have to do it ourselves.
[05:23.160 --> 05:27.080]  And frankly, I am encouraged.
[05:27.080 --> 05:35.400]  We are in a unique time in the history of the species.
[05:35.400 --> 05:43.760]  You know, humans, or Homo sapiens sapiens, learned how to use rocks as tools some two
[05:43.760 --> 05:47.560]  million years ago, according to the archaeological record.
[05:47.560 --> 05:56.920]  The humans learned how to sharpen tools about 200,000 years ago, about the time Chromagnon
[05:56.920 --> 06:04.920]  appeared on the planet, even our Chromagnon as opposed to Neanderthal.
[06:04.920 --> 06:17.080]  And then it took another 180,000, 190,000 years, to be exact, 94,000 years for humans
[06:17.080 --> 06:20.400]  to develop society.
[06:20.400 --> 06:28.320]  And according to the Sumerian text, about 6,000 years ago, in a place called Kish, was
[06:28.320 --> 06:40.560]  the first point of human, major human civilization, and about that time, a fully formed civilization
[06:40.560 --> 06:54.600]  appeared on the planet with science, math, art, complete, well-developed culture, but
[06:54.600 --> 07:00.120]  humans being what they were, we were scattered out, and now you know how people are, we do
[07:00.120 --> 07:04.840]  things the way we do things, because that's the way we do things, it's hard to get us
[07:04.840 --> 07:05.840]  to change.
[07:05.840 --> 07:14.040]  And over the next 3,000 years, culture and society deteriorated, and primarily this is
[07:14.040 --> 07:17.680]  judged from the quality of pottery they were able to produce.
[07:17.680 --> 07:24.880]  6,000 years ago, it was excellent, impeccable quality, and that deteriorated over 3,000
[07:24.880 --> 07:29.520]  years, and then all of a sudden, we were rejuvenated.
[07:29.520 --> 07:38.000]  And that deteriorated over another 3,000 years or so, until about the time of Christ, that
[07:38.000 --> 07:49.040]  seemed the time at which the deterioration bottomed out, and over time, we developed
[07:49.040 --> 07:55.080]  a little technology here, and a little technology here, and we developed bronze, and that worked
[07:55.080 --> 08:02.920]  out pretty good, and God us used to digging in the dirt and creating things from what
[08:02.920 --> 08:12.680]  we found there beyond us growing plants, and then the Iron Age came along, and we gradually
[08:12.680 --> 08:28.600]  developed an industrial base, or a technological base, and over the last 2 millennium, things
[08:28.600 --> 08:34.000]  have, if you look back through history, things gradually picked up pace, they actually did
[08:34.000 --> 08:38.600]  for the last 200,000 years, but it's hard to tell because it was so slow, but in the
[08:38.600 --> 08:47.680]  last 2,000 years, from our perspective, it seems relatively slow, but when you consider
[08:47.680 --> 08:54.480]  how difficult it is to get people to change, it moved relatively quickly, and gradually
[08:54.480 --> 09:05.200]  built up steam, until by the turn of the 19th century, and the beginning of the industrial
[09:05.200 --> 09:14.840]  revolution, things really began to move, then we developed our technological base worldwide,
[09:14.840 --> 09:23.840]  and we began to become far more sophisticated, it's about that time that the rules of evolution,
[09:23.840 --> 09:30.520]  assuming they ever played a part in human development, or natural selection to be more
[09:30.520 --> 09:41.640]  correct and more accurate, seek to be effective, because medicine became advanced enough, and
[09:41.640 --> 09:49.960]  the possibilities of different ways of living no longer had to be a hunter, gatherer, or
[09:49.960 --> 09:54.480]  die, there were other things you could do if you weren't physically capable of doing
[09:54.480 --> 10:00.080]  those things, so the physical stresses of natural selection just did not apply anymore.
[10:00.080 --> 10:13.480]  And now we're reaching a point to where the advancement has reached an absolutely dizzying
[10:13.480 --> 10:21.480]  pace, we're at the point to where I have to ask my 10-year-old grandson how to work my
[10:21.480 --> 10:28.800]  phone, because they're the only ones that seem to have a mindset to be able to understand
[10:28.800 --> 10:37.840]  it, as older folks, I struggle to keep up with technology, but I don't have the mindset
[10:37.840 --> 10:50.680]  for it like our children do, and what happened on this December the 21st, 2012, was we moved
[10:50.680 --> 11:02.840]  from the Aquarian, I mean from the Zodiac house of Pisces to the house of Aquarius,
[11:02.840 --> 11:10.960]  I guess we all remember the song, it is the dawning of the age of Aquarius, and if those
[11:10.960 --> 11:20.360]  predictions are correct, this is the dawning of the time when mankind develops to the
[11:20.360 --> 11:26.520]  point that we can look for a thousand years of peace.
[11:26.520 --> 11:33.400]  I just picked up a magazine, I discovered a magazine recently, and there was an article
[11:33.400 --> 11:42.920]  in there, that lead article in the magazine was immortality in 10 years.
[11:42.920 --> 11:49.400]  We are close, almost, I guess it's almost 20 years now that I heard the first report
[11:49.400 --> 11:59.920]  on Ptolemonase, a researcher in Baylor University here in Dallas, was looking at a particular
[11:59.920 --> 12:09.120]  protein that was always present in cancer and was present in children before puberty,
[12:09.120 --> 12:15.000]  and they knew of it, they didn't know what it did, when he took a look at it, what he
[12:15.000 --> 12:20.000]  found was absolutely incredible.
[12:20.000 --> 12:25.880]  Cancer tends to be very dangerous for two reasons, and I know this is a gross generalization,
[12:25.880 --> 12:33.360]  but generally cancer is a fast growing cell, so it outgrows the other cells.
[12:33.360 --> 12:41.680]  Normally a cell will replicate about 50 times and become synid, and won't function anymore.
[12:41.680 --> 12:47.840]  So theoretically cancer cells should replicate themselves to death, and we probably get a
[12:47.840 --> 12:53.000]  lot of abnormalities where cells grow quickly and they replicate themselves to death, but
[12:53.000 --> 13:00.200]  it was for a while, one of them develops two characteristics, it's a fast replicating cell
[13:00.200 --> 13:03.280]  and it is immortal.
[13:03.280 --> 13:10.400]  If any of you out there have ever heard of Henrietta Leek cells, Henrietta Leek's was
[13:10.400 --> 13:19.280]  a woman, I believe she was in Baltimore, she had a very virulent cancer and it killed her
[13:19.280 --> 13:29.480]  quickly, but the cells were so virulent that the doctors kept some of them for research.
[13:29.480 --> 13:36.480]  Henrietta Leek cells are now used all over the world for research, and about 15 years
[13:36.480 --> 13:46.480]  ago in Russia there was a major scandal, at the time it was the largest scandal in science,
[13:46.480 --> 13:52.680]  where a research project generated a set of results and then when they looked at them
[13:52.680 --> 14:00.160]  they found that the research cultures were contaminated with Henrietta Leek cells, and
[14:00.160 --> 14:07.400]  this was 30 years after she had died, these cells are still growing like crazy, and they
[14:07.400 --> 14:12.240]  started looking at other research facilities around the world and they found facilities
[14:12.240 --> 14:20.240]  all over the world contaminated with these incredibly aggressive immortal cells.
[14:20.240 --> 14:31.160]  Well, Ptolemonase was the protein that rendered the cell immortal, when the cell replicates
[14:31.160 --> 14:38.480]  it drops a string of DNA off the end of the DNA chain, it floats around in our system
[14:38.480 --> 14:47.600]  in the form of a free radical, it is a string of DNA that our system created, so our system
[14:47.600 --> 14:54.080]  doesn't see it as foreign. We do have a mechanism for getting rid of those incomplete DNA chains,
[14:54.080 --> 15:03.240]  but as we age we tend to outrun it, and it causes this myriad of maladies we tend to
[15:03.240 --> 15:10.360]  call, we associate with aging. What he found was the introduction of this protein into
[15:10.360 --> 15:21.360]  the cell not only stopped the deterioration of the DNA string, it reversed it.
[15:21.360 --> 15:33.160]  Theoretically, based on that find alone, we could be rendered immortal, or somewhat immortal.
[15:33.160 --> 15:41.280]  If you read the old writings, the Old Testament, they speak often of people who lived a thousand
[15:41.280 --> 15:50.320]  years, and the more research we do into the ancient texts, the more we find there was
[15:50.320 --> 15:58.520]  a little or no fiction at the time. The older texts were all, were the way of transmitting
[15:58.520 --> 16:05.160]  the knowledge, so they tended to tell things the way they were, and we read these really
[16:05.160 --> 16:14.400]  outlandish stories, and as we did more in the rubble and find more of the ancient writings,
[16:14.400 --> 16:19.560]  they all come up telling the same stories the same way, so there's reason to believe
[16:19.560 --> 16:27.520]  that there's substance to that. This is an incredible time. So take good care of yourselves.
[16:27.520 --> 16:32.480]  We may have long lives. This is Randy Kelton, Denver Stevens, Eddie Craig, we have a radio,
[16:32.480 --> 16:40.400]  our phone lines are open, 512-646-1984. Give us a call, ask the questions, dump the
[16:40.400 --> 16:58.400]  jump. Let's have a good holiday show. Okay, we'll be right back.
[18:10.400 --> 18:35.400]  Let's have a good holiday show.
[18:35.400 --> 18:40.800]  The solution for how to stop debt collectors. Personal consultation is available as well.
[18:40.800 --> 19:09.800]  For more information, please visit ruleoflawradio.com and click on the blue Michael Mearris banner or email MichaelMearris at yahoo.com to learn how to stop debt collectors next.
[19:09.800 --> 19:38.800]  Okay, this is Randy Kelton, Denver Stevens, Eddie Craig, we have a radio.
[19:38.800 --> 19:58.800]  I'm here by myself so I can do what I want to and since this is the holiday kind of in-between show, I didn't want to get into due process or real estate or traffic or any of those other issues.
[19:58.800 --> 20:24.800]  That was a good time to talk about some of my personal opinions. I have some opinions that I normally don't talk about on the show because they don't really go to the topics, but we are at a special time and I can't tell you how excited I am to be here at this time.
[20:24.800 --> 20:40.800]  I was born in the first half of the last century. My father made his living pretty much the way people did in the time of Jesus Christ.
[20:40.800 --> 20:59.800]  He walked behind a team of muse pulling a plow. The primary difference between the way my father made a living was that he pulled a steel plow point and in the time of Christ, they didn't have a steel plow point.
[20:59.800 --> 21:18.800]  My uncle, my father was a sharecropper in Tennessee, we were hillbillies. He walked behind this plow and he pulled a six inch bottom, meaning the plow cut six inches across, six inches deep at five miles an hour.
[21:18.800 --> 21:35.800]  Then he made a living. My uncle was a farmer he just retired recently. He drove a tractor that pulled 24, 14 inch bottoms, 12 inches deep, 15 miles an hour.
[21:35.800 --> 21:52.800]  Now he made a living. He didn't get rich. We have become my uncle as one farmer could produce more than 100 just 50 years earlier.
[21:52.800 --> 22:12.800]  Look around you at the kinds of technology we have available to us. 30, 40 years ago, there were a lot of science fiction stories about machines taking over our work.
[22:12.800 --> 22:32.800]  Machines essentially doing everything. And every time I see one of these commercials that shows one of our car companies with all of those robots, spot welders and assemblers, I think about those science fiction stories.
[22:32.800 --> 22:48.800]  And as I look at the technology we have today, 30 years ago, they couldn't even imagine what we have today.
[22:48.800 --> 22:59.800]  We have, those of us who have been around for a while, has had the opportunity to see the world absolutely totally change.
[22:59.800 --> 23:04.800]  Our parents, they actually got to see it change more than we did.
[23:04.800 --> 23:21.800]  Our parents got to see the advent of electricity, the advent of the telephone, which was probably the key invention that more than anything else changed everything.
[23:21.800 --> 23:30.800]  They watched the entire world change. We went from horse and buggies to automobiles to airplanes.
[23:30.800 --> 23:43.800]  I was in Benoit Air Base in 1969, and I was in the Air Force and I worked on F-4 Phantoms, and we were on end of runway.
[23:43.800 --> 23:59.800]  And end of runway, this is the opposite end from which they took off. This is where they landed. When they would, at the time we were doing D-arm when an aircraft landed, then we would pin all the weapons so they wouldn't blow each other up.
[23:59.800 --> 24:06.800]  And an F-4 Phantom came over us at 3200 knots.
[24:06.800 --> 24:17.800]  We found that out later at the time as Sonic Boom hit us so hard that I felt my inside smooth. We were sick for two weeks after that.
[24:17.800 --> 24:30.800]  And the Phantom passed over us and I looked back at the end of the runway and in the dust at the end of the runway there was a stop frame image of something in the dust.
[24:30.800 --> 24:41.800]  In another Sonic Boom, the first Sonic Boom I looked and two little red dots disappeared. The second one, one little red dot circling disappeared.
[24:41.800 --> 24:59.800]  And I told the guys with me, holy crap, that was a Sam, because a Sam rode the circles. A Sam has one eye. It does like a bird does. It takes a fix, circles up to the top, takes a fix, and can set distance.
[24:59.800 --> 25:07.800]  So about 20 minutes later this aircraft came back and you could put your finger through the windscreen, I mean through the leading edge of the airplane.
[25:07.800 --> 25:14.800]  You couldn't see through the windscreen. And the pilot pulled in the D-armir and shut the aircraft down because it was a mess.
[25:14.800 --> 25:28.800]  He got out of the aircraft and we all stepped up and popped two and he said, airmen instruct the crew chief that the air conditioning on this aircraft sucks out at 3200 knots.
[25:28.800 --> 25:41.800]  I said with all due respect, sir, this aircraft will not do 3200 knots. Yes, I know that airmen, but so instruct the crew chief. He will be so instructed.
[25:41.800 --> 26:02.800]  I thought about that later and had someone told my grandfather when he was my age, which would have been around the term of the century, that his grandson would have the experience I had that some 40 years ago.
[26:02.800 --> 26:15.800]  My father-in-law would not have been able to comprehend it. It was so far beyond anything he knew or could imagine at the time.
[26:15.800 --> 26:36.800]  That was 40 years ago. That was nothing compared to today. When I got out of the military, I worked for Teletype in 1970. We were trying to develop the first PC and we were doing primary research and development on metal and silicon technology.
[26:36.800 --> 26:55.800]  We had a computer that would fill up two huge rooms, a quarter of a million dollars. A century computer had a 2,500-bit RAM. We were trying to develop a 5,000-bit RAM. It had a 2,500-bit RAM in vacuum tubes.
[26:55.800 --> 27:08.800]  That meant 2,500 tubes. We were trying to develop a 5,000-bit RAM on a chip. This was right at the beginning of Integrated Circuit development.
[27:08.800 --> 27:25.800]  We sat down with the engineers in 1971 and tried to predict where this technology would go. At the time, we rented space on mainframe computers.
[27:25.800 --> 27:43.800]  I programmed a digital computer to operate an indie Jag Laser. I programmed it binary. I put in eight switches every byte at a time. That really sucked.
[27:43.800 --> 28:09.800]  If you get one wrong, everything's a mess. We tried to figure out where it would go. We had absolutely no clue. Not only did we not imagine the technology I'm sitting here looking at right now in my desktop computer and my notebook,
[28:09.800 --> 28:21.800]  we never imagined anything even near this. I sit here now and look at how technology is coming together.
[28:21.800 --> 28:40.800]  As far as the speed of processors, we've pretty well reached some physical limits. Unless we can jump into quantum computing or some new technology that's totally different from what we're using,
[28:40.800 --> 28:55.800]  we're not going to speed up processors a whole lot. They're the only speed they're getting now is by gaining processors. I'm sitting here looking at a quad processor. I think Eddie uses one that runs eight processors.
[28:55.800 --> 29:11.800]  That's all we were speeding them up, but the software, the underlying programs are becoming so sophisticated and the applications for processors are becoming more sophisticated
[29:11.800 --> 29:25.800]  that soon computers, as we know them, will just integrate themselves into our environment the way they have it on cars and refrigerators and air conditioners.
[29:25.800 --> 29:42.800]  But I sit down and try to contemplate where this is going. When we come back, see if anybody can give us an idea where we'll be in the next ten years. This is Randy Kelton, Deborah Stevens, Eddie Craig, Willow Radio, Mike, I see you there.
[29:42.800 --> 29:59.800]  We will pick you up on the other side. I'll call it number 512-646-1984. We'll be right back.
[29:59.800 --> 30:11.800]  This is Building 7, a 47-story skyscraper that fell on the afternoon of September 11. The government says that fire brought it down. However, 1500 architects and engineers concluded it was a controlled demolition.
[30:11.800 --> 30:23.800]  Over 6,000 of my fellow service members have given their lives and thousands of my fellow force responders have died. I'm not a conspiracy theorist. I'm a structural engineer. I'm a New York City correction officer. I'm an Air Force pilot. I'm a father who lost his son.
[30:23.800 --> 30:42.800]  We're Americans and we deserve the truth. Go to RememberBuilding7.org today.
[30:53.800 --> 31:08.800]  It is so enlightening to listen to 90.1 FM, but finding things on the Internet isn't so easy, and neither is finding like-minded people to share it with.
[31:08.800 --> 31:11.800]  Oh, well, I guess you haven't heard of Brave New Books then.
[31:11.800 --> 31:12.800]  Brave New Books?
[31:12.800 --> 31:23.800]  Yes. Brave New Books has all the books and DVDs you're looking for by authors like Alex Jones, Ron Paul, and G. Edward Griffin. They even stock Interfood, Berkey products, and Calvin Soaps.
[31:23.800 --> 31:26.800]  There's no way a place like that includes.
[31:26.800 --> 31:31.800]  Go check it out for yourself. It's downtown at 1904 Guadalupe Street, just south of UT.
[31:31.800 --> 31:35.800]  Oh, by UT? There's never anywhere to park down there.
[31:35.800 --> 31:43.800]  Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking facility just behind the bookstore.
[31:43.800 --> 31:46.800]  It does exist, but when are they open?
[31:46.800 --> 31:51.800]  Monday through Saturday, 11 a.m. to 9 p.m. and 1 to 6 p.m. on Sundays.
[31:51.800 --> 32:10.800]  So give them a call at 512-480-2503 or check out their events page at bravenewbookstore.com.
[32:10.800 --> 32:24.800]  Yes, Mr. Office, I've just taken the line ahead. Won't you follow the law of the land? I don't understand.
[32:24.800 --> 32:40.800]  I'm sorry.
[32:40.800 --> 32:56.800]  Okay, we are back.
[32:56.800 --> 33:14.800]  And we are going to go to Mike in Tennessee. Hello, Mike. Let's see if I've got you unmuted. There we go.
[33:14.800 --> 33:20.800]  Hello, Mike. I am doing good. I was on a roll.
[33:20.800 --> 33:30.800]  You ought to appreciate this because I told earlier about my father walking behind a pair of mules pulling a plow.
[33:30.800 --> 33:38.800]  Well, this is Mike from Tennessee. When my daddy did that, he was plowing one of those red hills in West Tennessee.
[33:38.800 --> 33:42.800]  Wow. What's that for here?
[33:42.800 --> 33:58.800]  We were from a place called Scrouchhorn and it was right in the middle of the Coley gullies. And I was five years old before I knew a shoe was something that went on your foot and not just something daddy used to throw at the dogs.
[33:58.800 --> 34:06.800]  Well, maybe that's a little exaggeration. Okay, you had a foreclosure issue.
[34:06.800 --> 34:24.800]  You know, you was just talking about technology and I remember back in 2000 on the radio there was a special that came on and it was some doctors that were real advanced in science that were talking about nanotechnology.
[34:24.800 --> 34:39.800]  They were saying in 10 years it'll take over. It'll take over in medicine. So if anyone has cancer, they will have like a little tablet that somebody can take and go into their bloodstream and go that cancer and clear it out.
[34:39.800 --> 34:55.800]  The engines, car engines will be made in nano that we need for solar panels. We'll just need one solar panel and run your whole house. All of this looks so super.
[34:55.800 --> 35:06.800]  We've got it on the spot now in about 10 years. Everybody will have it. And here we are 12 years later and nanotechnology has only done a few things, it seems.
[35:06.800 --> 35:16.800]  That a lot of that the people who are developing technology always seem to be a bit more optimistic.
[35:16.800 --> 35:24.800]  But it is definitely on the way part of their problem is the technology itself.
[35:24.800 --> 35:43.800]  So we, the knowledge or the concept of integrated circuit technology was developed in the late 20s. The theory of how to do it was there.
[35:43.800 --> 36:04.800]  We couldn't develop silicon pure enough to be able to do it until the early 70s. Actually, the time that I was working on these was close on the heels of them figuring out how to generate pure silicon.
[36:04.800 --> 36:17.800]  They melted a vat of silicon in a vacuum chamber and spun it up in a centrifuge and stuck an ingot down in it.
[36:17.800 --> 36:29.800]  The seed post in it and drew it out, dropped it in and drew it out and built it up in layers and they would build it up to three feet, three inches in diameter.
[36:29.800 --> 36:37.800]  At the time that was the thickest we can get. Now you can get a six or eight inch wafer. But we knew how to do it a long time ago.
[36:37.800 --> 36:42.800]  We just couldn't develop, get the technology developed so that we could actually get to produce it.
[36:42.800 --> 36:50.800]  And these guys are probably the same thing, but they understand what they can do with it.
[36:50.800 --> 36:58.800]  They're just not able to get it done yet. They're probably more optimistic about what it would do. But it's coming.
[36:58.800 --> 37:07.800]  Yes, I say you're not going to stop it. See, all this good stuff is eventually coming out like we were talking earlier about the foreclosures.
[37:07.800 --> 37:12.800]  This good information because of us working together is coming out now.
[37:12.800 --> 37:20.800]  And the thing that we're seeing, I don't know this, but this is just a theory that's going around.
[37:20.800 --> 37:29.800]  Back around five years ago or so, remember when the tobacco industry paid the governors in each state some money?
[37:29.800 --> 37:37.800]  They signed some kind of contracts with them. I don't know what the contract was, but some reason the banks have got an upper hand right this moment.
[37:37.800 --> 37:44.800]  And they're having to kind of, they want to still receive that money, that payoff.
[37:44.800 --> 37:52.800]  So that's taken us back to this original contract is what they're recognizing on everything.
[37:52.800 --> 38:00.800]  If we can go back to the original contract in anything, that's where the power is right now through all the courts.
[38:00.800 --> 38:05.800]  Yes, and that leads us to your foreclosure issue.
[38:05.800 --> 38:21.800]  I was surprised when you called and said that the courts in Tennessee were not paying any attention to bifurcation and securitization and all that.
[38:21.800 --> 38:24.800]  All they want to talk about is contract.
[38:24.800 --> 38:37.800]  Exactly. And Arkansas is the same way. And I heard that Colorado, those three states here are in extreme this way. And then Florida is like the opposite.
[38:37.800 --> 38:52.800]  If you got a break and change a title, they'll jump on it in Florida because the governor down there signed in something about six months ago that's allowing them to kind of go that route.
[38:52.800 --> 39:09.800]  And so if you find a breach of contract on this original paperwork, it's like the judges want to help us, but it's like based on that paperwork that was signed by the governor, they're playing it like their hands are tied.
[39:09.800 --> 39:21.800]  So when we go back to this original contract and find the nine to ten things that they didn't do, that they was required to do, then boom, it gives us that open door to walk through.
[39:21.800 --> 39:36.800]  Okay, that is, you know, the last few shows I've been talking about an evaluation that I'm doing of the county record anymore and helping people with foreclosure.
[39:36.800 --> 39:46.800]  The very first thing I want to see is every document that was filed with the county recorder.
[39:46.800 --> 39:56.800]  Because the way I read the code, the only thing that counts is what's filed in that record.
[39:56.800 --> 40:09.800]  Who has a claim against the property? Everything about who has a claim is in the county record. If it's not in the county record, it doesn't count.
[40:09.800 --> 40:17.800]  So that's the first place you look. You pull all those documents and then you look in your deed of trust or your mortgage.
[40:17.800 --> 40:20.800]  And Tennessee is a deed of trust state, isn't it?
[40:20.800 --> 40:21.800]  Yes, sir.
[40:21.800 --> 40:27.800]  No, okay. So you have a deed of trust and they're almost always the same.
[40:27.800 --> 40:42.800]  And in going back and rereading that deed of trust, you should read it two or three times because the first couple of times the pieces aren't going to fit in place.
[40:42.800 --> 40:47.800]  And what I'm going to tell you won't stick until you've read it a couple of times.
[40:47.800 --> 40:59.800]  The first thing we look at is MERS. MERS is included in the contract. You look at the definitions. First definition is defines the deed of trust as a security instrument.
[40:59.800 --> 41:04.800]  Second definition defines the borrower.
[41:04.800 --> 41:11.800]  Third definition is generally the trustee. Sometimes they flip lender and trustee over.
[41:11.800 --> 41:24.800]  But generally it's the trustee. Then it defines the lender. And then if MERS is included in the contract, it defines MERS as the beneficiary.
[41:24.800 --> 41:34.800]  Now, if I lend you money and I expect you to pay it back, I'm the beneficiary.
[41:34.800 --> 41:44.800]  So for the last 200 years in the mortgage industry, people would borrow money from a bank and then they'd pay the bank back.
[41:44.800 --> 41:51.800]  So the expectation was and the consideration was that the lender was the original beneficiary.
[41:51.800 --> 41:58.800]  The one who lent the money to you had the right to collect it back.
[41:58.800 --> 42:07.800]  But in a deed of trust that has MERS in it, that one says that MERS is the beneficiary.
[42:07.800 --> 42:12.800]  It's important to understand what the deed of trust is.
[42:12.800 --> 42:20.800]  The deed of trust is a set of concessions with stipulations.
[42:20.800 --> 42:36.800]  For the last 200 years, before year 2000, all of the deeds of trust were concessions by the borrower to the lender with stipulations.
[42:36.800 --> 42:46.800]  The lender conceded the property to a trustee to hold in trust to protect the lender against loss.
[42:46.800 --> 42:52.800]  That prevented the borrower from doing anything they wanted to with property.
[42:52.800 --> 42:55.800]  They couldn't liquidate property, couldn't destroy the house.
[42:55.800 --> 42:59.800]  They had to maintain the collateral base for the borrower, for the lender.
[42:59.800 --> 43:06.800]  And that was a concession that the borrower gave to the lender.
[43:06.800 --> 43:15.800]  Everything in there is a concession the borrower gave to the lender except the inclusion of MERS.
[43:15.800 --> 43:22.800]  If you don't need money to buy a house, and you want me to write a deed of trust, and I say,
[43:22.800 --> 43:27.800]  well, yeah, I'll do that, but I don't want you to collect your money back.
[43:27.800 --> 43:31.800]  I want to pay the money to Joe Blow over here.
[43:31.800 --> 43:34.800]  You're going to get real excited about that.
[43:34.800 --> 43:38.800]  I know you didn't have MERS in yours, and I'll get to that in a minute.
[43:38.800 --> 43:42.800]  I wanted to kind of step through all the pieces, but MERS is kind of short.
[43:42.800 --> 43:50.800]  Hang on, we'll be right back on the other side, and we'll go to some of the contractual issues.
[43:50.800 --> 43:52.800]  I suspect some of you might not have thought of this.
[43:52.800 --> 43:55.800]  This is Randy Kelton, Deborah Steven, J.D. Craig, Roova Radio.
[43:55.800 --> 44:24.800]  We'll be right back.
[44:26.800 --> 44:33.800]  Drew Shaw, as interviewed on KSRTV, was also told by ATF agents that they had been paid to not come into work.
[44:33.800 --> 44:39.800]  The ATF initially denied these claims, and now variously claim that one of their agents was in a free-falling elevator,
[44:39.800 --> 44:44.800]  which has been disproven, or that they'd been in an all-night stakeout, or that they'd been in a golf tournament.
[44:44.800 --> 44:49.800]  As they try to sort out their lies, all we want to know is, did the ATF receive a warning,
[44:49.800 --> 44:55.800]  and if so, why did they not pass it on to others in the mortals?
[44:55.800 --> 45:21.800]  For more information, go to okcfoundandtruth.com.
[45:25.800 --> 45:27.800]  Now you can too.
[45:27.800 --> 45:33.800]  Jurisdictionary was created by a licensed attorney with 22 years of case-winning experience.
[45:33.800 --> 45:42.800]  Even if you're not in a lawsuit, you can learn what everyone should understand about the principles and practices that control our American courts.
[45:42.800 --> 45:51.800]  You'll receive our audio classroom, video seminar, tutorials, forms for civil cases, prosa tactics, and much more.
[45:51.800 --> 46:01.800]  Please visit ruleoflawradio.com and click on the banner, or call toll-free 866-LAW-EZ.
[46:21.800 --> 46:28.800]  Okay, we are back.
[46:28.800 --> 46:40.800]  Randy Kelton, Deb Stephen, Teddy Craig, rule of law radio, and we're talking to Mike in Tennessee about mortgages.
[46:40.800 --> 46:48.800]  And when we went out, we were talking about MERS, where MERS is named as the nominee.
[46:48.800 --> 46:53.800]  Let me redo the paragraph. I have a deed of trust up here.
[46:53.800 --> 47:00.800]  And in this one, it's the third definition.
[47:00.800 --> 47:03.800]  You have the borrower, trustee.
[47:03.800 --> 47:11.800]  You see, Grantor is Victor and Margarita, borrower.
[47:11.800 --> 47:15.800]  The trustee is Gregor Graham.
[47:15.800 --> 47:28.800]  The beneficiary is Morgan Electronic Registration Systems, Inc., MERS, solely as nominee for lender, as here and after defined, and lender successors and assigns.
[47:28.800 --> 47:32.800]  What the heck does that mean?
[47:32.800 --> 47:37.800]  Solely as nominee for lender, as here and after defined.
[47:37.800 --> 47:42.800]  Well, actually, it's not here and after defined.
[47:42.800 --> 47:47.800]  The nominee is never defined in the contract.
[47:47.800 --> 47:55.800]  The landmark, the Tesla case in Kansas, they address this nominee thing.
[47:55.800 --> 48:02.800]  And nominee appears to be some type of an agent, but we're not sure what it is.
[48:02.800 --> 48:11.800]  The contract is required to be clear enough so that an eighth grader could understand it.
[48:11.800 --> 48:12.800]  Understands what this says.
[48:12.800 --> 48:17.800]  I think the guy who wrote this contract was high on coke or something.
[48:17.800 --> 48:19.800]  Let's go on down.
[48:19.800 --> 48:22.800]  Didn't it define the lender?
[48:22.800 --> 48:33.800]  And then we go down to, after the definitions, the first thing she is a paragraph that transfers the property.
[48:33.800 --> 48:36.800]  This security instrument secures to the lender.
[48:36.800 --> 48:42.800]  Repayment of the debt evidenced by the note with interest and blah, blah, blah.
[48:42.800 --> 48:52.800]  Borrower irrevocably grants and concedes to the trustee in trust with power of sale to follow and describe property.
[48:52.800 --> 48:58.800]  What that does is transfer legal title to the trustee.
[48:58.800 --> 49:04.800]  And in so doing, the document creates a trust.
[49:04.800 --> 49:14.800]  In a trust, you have a beneficiary, you have a benefactor, beneficiary, and a trustee.
[49:14.800 --> 49:20.800]  This transfers legal title to the property, not equitable title.
[49:20.800 --> 49:27.800]  Equitable title is held by the beneficiary, but it transfers legal title to the trustee.
[49:27.800 --> 49:32.800]  That's important to understand because when you go to the next paragraph,
[49:32.800 --> 49:37.800]  in a document that doesn't have MERS included in it,
[49:37.800 --> 49:42.800]  this paragraph will say, together with all improvements, now or here and after,
[49:42.800 --> 49:47.800]  erected on the property and all easements, opportunities and fixtures,
[49:47.800 --> 49:55.800]  and this has the effect of including any additions you make to the property.
[49:55.800 --> 49:58.800]  They become part of the collateral.
[49:58.800 --> 50:02.800]  Except this one has MERS in it.
[50:02.800 --> 50:07.800]  All of the foregoing was referred to in this security instrument as the property.
[50:07.800 --> 50:10.800]  This is added.
[50:10.800 --> 50:23.800]  Borrower understands and agrees that MERS holds only legal title to the interest granted by Borrower in this security instrument.
[50:23.800 --> 50:34.800]  Now, wait a minute. If MERS is the beneficiary, then MERS would hold equitable title.
[50:34.800 --> 50:39.800]  The paragraph above, they just granted legal title to the trustee.
[50:39.800 --> 50:47.800]  In this paragraph, they took legal title away from the trustee and gave it to the beneficiary.
[50:47.800 --> 50:56.800]  Now, I haven't seen the details of Tennessee law and Mike, you might want to look this up because in Texas,
[50:56.800 --> 51:03.800]  we have a statute under the business and commerce code 20.001.
[51:03.800 --> 51:20.800]  Now, it's 21.001 something, but it forbids a lender to require that the property held as collateral to be transferred to the Borrower.
[51:20.800 --> 51:25.800]  Now, in a mortgage state, that's exactly what happens.
[51:25.800 --> 51:30.800]  But in Texas at least, that's forbidden by statute.
[51:30.800 --> 51:34.800]  That would become a criminal act if they did that.
[51:34.800 --> 51:42.800]  The way I read this is MERS is transferred legal title.
[51:42.800 --> 51:46.800]  That means this is not a deed of trust.
[51:46.800 --> 51:48.800]  This is a grant.
[51:48.800 --> 51:51.800]  The property has been granted to the beneficiary.
[51:51.800 --> 51:57.800]  Normally, beneficial interest would be granted to the beneficiary, but not the property.
[51:57.800 --> 52:03.800]  The beneficiary couldn't do anything with it, but according to this, the whole thing's given to them.
[52:03.800 --> 52:06.800]  Beneficiary go given to MERS.
[52:06.800 --> 52:08.800]  Okay.
[52:08.800 --> 52:23.800]  With that said, the grant of beneficial interest or of assigning MERS as nominee, those are not things the Borrower has power to do.
[52:23.800 --> 52:28.800]  Now, the Borrower does have power to grant legal title.
[52:28.800 --> 52:31.800]  Normally, he would grant legal title to the trustees.
[52:31.800 --> 52:40.800]  So, to say he can't grant legal title to MERS, well, he could, but he couldn't grant beneficial title and he couldn't appoint MERS as a nominee.
[52:40.800 --> 52:48.800]  If you hire an agent to represent you and you loan me money, I can't fire your agent replacing someone else.
[52:48.800 --> 52:58.800]  So, if you look at your deed of trust, if it's one that's done in the U.S., it's going to have this wording in it.
[52:58.800 --> 53:06.800]  If it has MERS in it, then go down to the very last page and see who signed it.
[53:06.800 --> 53:17.800]  In order for these inclusions of MERS that amount to concessions by the lender, the lender would have to affirm those concessions.
[53:17.800 --> 53:21.800]  I have never seen a deed of trust signed by the lender.
[53:21.800 --> 53:31.800]  So, my argument is that MERS is in the contract and is the concessions to MERS by the lender are not affirmed by the lender, then they're not operative.
[53:31.800 --> 53:32.800]  Okay.
[53:32.800 --> 53:33.800]  Enough of MERS.
[53:33.800 --> 53:42.800]  There's a lot of people in that category right there that you pointed out.
[53:42.800 --> 53:44.800]  Okay, go ahead.
[53:44.800 --> 53:48.800]  I was saying that a lot of people in that category you just pointed out.
[53:48.800 --> 53:49.800]  Oh, yeah, yeah.
[53:49.800 --> 53:50.800]  Absolutely.
[53:50.800 --> 53:52.800]  Most people are.
[53:52.800 --> 53:53.800]  But not everybody.
[53:53.800 --> 53:54.800]  Super news.
[53:54.800 --> 53:59.800]  Well, but it's super news for those that fit into that category.
[53:59.800 --> 54:04.800]  Let's go down and look at some more.
[54:04.800 --> 54:11.800]  Does your property have private mortgage insurance on it?
[54:11.800 --> 54:13.800]  Where would it be at on here?
[54:13.800 --> 54:21.800]  Is Julian paragraph 10 or Covenant 10?
[54:21.800 --> 54:24.800]  Let me go down.
[54:24.800 --> 54:28.800]  Okay, I'm looking at one that's an FHA loan.
[54:28.800 --> 54:43.800]  FHA loans is slightly different, but Julian's in the right around paragraph 9 or a Covenant 9 or 10 where the borrower is authorized to purchase private mortgage insurance.
[54:43.800 --> 54:47.800]  And in this, this one, I don't see it at all.
[54:47.800 --> 55:15.800]  But if you have private mortgage insurance on your property, you'll have a paragraph in the deed of trust that says that the borrower, if he's unable to secure private mortgage insurance, can take payments for you for what would normally be the cost of private mortgage insurance and indemnify himself.
[55:15.800 --> 55:27.800]  If you have property and you have private mortgage insurance on it, if you didn't put down more than 20% as a down payment, you probably had to get private mortgage insurance.
[55:27.800 --> 55:29.800]  So check and see if you do.
[55:29.800 --> 55:38.800]  And then if you do ask the borrower for a copy of the private mortgage insurance policy.
[55:38.800 --> 55:46.800]  Because if he doesn't have one, that means he indemnified himself.
[55:46.800 --> 55:58.800]  Therefore, you paid for insurance, just like if you get a loan to buy a car and you buy insurance that'll cover you in case you can't make the payments.
[55:58.800 --> 56:07.800]  That's what private mortgage insurance is intended to do, especially if the lender indemnifies himself.
[56:07.800 --> 56:12.800]  If you default on the mortgage, he cannot claim harm.
[56:12.800 --> 56:14.800]  He's already been indemnified.
[56:14.800 --> 56:16.800]  He's been paid.
[56:16.800 --> 56:22.800]  He's been paid by the money he's collected from all these people in private mortgage insurance.
[56:22.800 --> 56:27.800]  So that's an argument that I haven't fleshed out yet.
[56:27.800 --> 56:28.800]  But you might do that for me.
[56:28.800 --> 56:29.800]  Have a good look at it.
[56:29.800 --> 56:38.800]  Okay, let's go on down notices. This one's in paragraph in Covenant 13.
[56:38.800 --> 56:43.800]  It's usually in either 13 or 14.
[56:43.800 --> 56:51.800]  In the Covenant on Notices, all notices are required to be delivered.
[56:51.800 --> 57:04.800]  Okay, any notice to borrow or provided for in this security instrument shall be given by delivering it or by mailing it first class mail unless applicable all requires the another method.
[57:04.800 --> 57:18.800]  When we sue under the Real Estate Settlement Procedures Act or Truth and Linnick Act for failure to give certain notices,
[57:18.800 --> 57:28.800]  the courts are real quick to say you've only got a one-year, two-year, three-year statute of limitations on the remedy written into the Consumer Protection Laws.
[57:28.800 --> 57:36.800]  It appears as though the legislature put on a show of creating these Consumer Protection Laws,
[57:36.800 --> 57:44.800]  but then set the statute of limitations to exercise your claim so short that they're effectively meaningless.
[57:44.800 --> 57:51.800]  So what we say is we're not going in making the claim under the Consumer Protection Laws.
[57:51.800 --> 57:56.800]  We're making it under Covenant 13 breach of contract.
[57:56.800 --> 57:58.800]  They failed to give the proper notices.
[57:58.800 --> 57:59.800]  They breached the contract.
[57:59.800 --> 58:06.800]  Therefore, they repudiated the contract and that repudiation excess voluntary rescission.
[58:06.800 --> 58:09.800]  This is Randy Kelton, Deborah Stevens, Eddie Craig.
[58:09.800 --> 58:12.800]  We're going to our top of the hour break.
[58:12.800 --> 58:15.800]  Rob in New Mexico, I see you down there.
[58:15.800 --> 58:23.800]  And as soon as we get back, we'll start telling some truck driver jokes for Rob's benefit.
[58:23.800 --> 58:29.800]  Okay, I'll call in number just 512-646-1984.
[58:29.800 --> 58:30.800]  Give us a call.
[58:30.800 --> 58:36.800]  We're going into our second and last hour for tonight, so it kind of builds up.
[58:36.800 --> 58:42.800]  I will try to speed this along so we don't take too long with the mortgage issue,
[58:42.800 --> 58:45.800]  but Mike asked a question this dear to my heart.
[58:45.800 --> 58:48.800]  Okay, Randy Kelton, Deborah Stevens, and Eddie Craig, we'll be right back.
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[01:00:02.800 --> 01:00:06.800]  The world's richest woman says in order to get rich, you have to think rich.
[01:00:06.800 --> 01:00:09.800]  Okay, but how exactly do you do that?
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[01:00:11.800 --> 01:00:15.800]  I'll explain how rich people think differently from everyone else.
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[01:00:44.800 --> 01:00:49.800]  To many wealthy people such as Gina Reinhart, the world's richest woman,
[01:00:49.800 --> 01:00:54.800]  making lots of money is all about cultivating a mindset, a rich mindset.
[01:00:54.800 --> 01:00:55.800]  So what is that?
[01:00:55.800 --> 01:00:58.800]  Steve Seibold, author of How Rich People Think,
[01:00:58.800 --> 01:01:02.800]  says it starts by understanding that money is not the root of all evil
[01:01:02.800 --> 01:01:06.800]  and that building wealth is best done with other people's money.
[01:01:06.800 --> 01:01:09.800]  The rich, he writes, are prepared to take risks to get rich.
[01:01:09.800 --> 01:01:12.800]  They'd rather be educated than entertained.
[01:01:12.800 --> 01:01:14.800]  They'd focus on earning rather than saving,
[01:01:14.800 --> 01:01:18.800]  and they view selfishness not as a vice, but as a virtue.
[01:01:18.800 --> 01:01:21.800]  Gordon Gekko, eat your heart out, I think.
[01:01:21.800 --> 01:01:26.800]  And Dr. Catherine Albrecht for StartPage.com, the world's most private search engine.
[01:01:32.800 --> 01:01:35.800]  Let Samaritan help out others without expecting a reward,
[01:01:35.800 --> 01:01:40.800]  but what do you call a guy who helps out the same total stranger twice?
[01:01:40.800 --> 01:01:43.800]  Send Dr. Catherine Albrecht back with a tale of the double-do-gooder
[01:01:43.800 --> 01:02:12.800]  or the great Samaritan next.
[01:02:14.800 --> 01:02:19.800]  An Ohio man named Gerald Grinowski has had a few close calls.
[01:02:19.800 --> 01:02:23.800]  Twice, he got help from a good Samaritan who was in the right place at the right time.
[01:02:23.800 --> 01:02:26.800]  Recently, he was changing a flat tire
[01:02:26.800 --> 01:02:29.800]  when a helpful man named Christopher Minacci pulled over to help.
[01:02:29.800 --> 01:02:31.800]  While the men worked out of nowhere,
[01:02:31.800 --> 01:02:33.800]  a drunk driver careened towards them,
[01:02:33.800 --> 01:02:38.800]  but crashed into Minacci's parked car instead, saving Grinowski's life.
[01:02:38.800 --> 01:02:40.800]  As Grinowski helped the thankful stranger,
[01:02:40.800 --> 01:02:45.800]  he told him of another time a guy helped him remove a triple-fish hook from his hand.
[01:02:45.800 --> 01:02:47.800]  Minacci smiled and said,
[01:02:47.800 --> 01:02:48.800]  That was me, too.
[01:02:48.800 --> 01:02:49.800]  Good Samaritan?
[01:02:49.800 --> 01:02:51.800]  He sounds more like a guardian angel.
[01:02:51.800 --> 01:03:11.800]  I'm Dr. Catherine Albrecht for StartPage.com, the world's most private search engine.
[01:03:21.800 --> 01:03:40.800]  Okay, we are back.
[01:03:40.800 --> 01:03:44.800]  Randy Kelton, Dennis Steven, Teddy Craig, and Raduva Radio,
[01:03:44.800 --> 01:03:47.800]  and we're talking to Mike in Tennessee.
[01:03:47.800 --> 01:03:50.800]  Okay, Mike, we were at Notices.
[01:03:50.800 --> 01:03:52.800]  Yeah, this is a great one.
[01:03:52.800 --> 01:03:56.800]  This is, yeah, this is, go ahead, go ahead.
[01:03:56.800 --> 01:04:00.800]  If there's a change in servicer, you know,
[01:04:00.800 --> 01:04:04.800]  anywhere along the line from the original man, you know, or mortgage company,
[01:04:04.800 --> 01:04:07.800]  do they have to notice you of that?
[01:04:07.800 --> 01:04:12.800]  They have to do that according to the Real Estate Settlement Procedures Act, yes.
[01:04:12.800 --> 01:04:20.800]  So, in other words, if they assign it to, you know, mortgage company B, let's say,
[01:04:20.800 --> 01:04:22.800]  and they did never notice you on that,
[01:04:22.800 --> 01:04:26.800]  and then they assigned it over to mortgage company C,
[01:04:26.800 --> 01:04:30.800]  and they never noticed you on that, that'd be breach of contract, wouldn't it?
[01:04:30.800 --> 01:04:31.800]  Yes, it would.
[01:04:31.800 --> 01:04:38.800]  I want you to go to my beta site, aidox.com.
[01:04:38.800 --> 01:04:40.800]  Okay, what is it again?
[01:04:40.800 --> 01:04:44.800]  aidox.com.
[01:04:44.800 --> 01:04:45.800]  Okay.
[01:04:45.800 --> 01:04:48.800]  That's where I put up all my beta stuff that I'm working on,
[01:04:48.800 --> 01:04:58.800]  and you'll see a link to FDCPA, Fair Credit Reporting Act, Truth and Lending Act,
[01:04:58.800 --> 01:05:03.800]  where I have taken those and converted them into questionnaires.
[01:05:03.800 --> 01:05:07.800]  Everything's not working right on them because they're beta,
[01:05:07.800 --> 01:05:11.800]  but the fact that they're written into questions,
[01:05:11.800 --> 01:05:14.800]  it makes it real easy to go through them,
[01:05:14.800 --> 01:05:18.800]  because they'll say, did they do this, did they do this, did they do this,
[01:05:18.800 --> 01:05:21.800]  and you just go down and say, yeah, yeah, no, no, whatever,
[01:05:21.800 --> 01:05:24.800]  and it goes really quick.
[01:05:24.800 --> 01:05:28.800]  You will be surprised at what they're required to notice you of.
[01:05:28.800 --> 01:05:31.800]  Go to that site, click on the link for those,
[01:05:31.800 --> 01:05:33.800]  and just run through them quickly.
[01:05:33.800 --> 01:05:37.800]  Make a list of it.
[01:05:37.800 --> 01:05:45.800]  Any single one of those has the effect of breaching a covenant of the contract.
[01:05:45.800 --> 01:05:48.800]  When the lender tries to foreclose,
[01:05:48.800 --> 01:05:55.800]  he will try to foreclose based on a breach of the covenant of the contract.
[01:05:55.800 --> 01:06:01.800]  So we'll get to him before that and maintain that he has already breached the contract.
[01:06:01.800 --> 01:06:05.800]  He breached it immediately after he entered into it,
[01:06:05.800 --> 01:06:09.800]  and therefore he has repudiated the contract and it doesn't count.
[01:06:09.800 --> 01:06:11.800]  He can't express it.
[01:06:11.800 --> 01:06:16.800]  Next one, governing law serviceability.
[01:06:16.800 --> 01:06:21.800]  This says that the lender has to abide by all law.
[01:06:21.800 --> 01:06:24.800]  This security instrument shall be governed by federal law
[01:06:24.800 --> 01:06:27.800]  and law is a jurisdiction in which the property is located
[01:06:27.800 --> 01:06:33.800]  and any provision to cause this security instrument with a note conflicts with applicable laws.
[01:06:33.800 --> 01:06:38.800]  Such conflicts shall not affect other provisions of security instrument, blah, blah, blah.
[01:06:38.800 --> 01:06:45.800]  Anyway, this one applies all law directly to the contract.
[01:06:45.800 --> 01:06:53.800]  So a failure to abide by a particular law does not have to be claimed
[01:06:53.800 --> 01:06:57.800]  under the remedy provided in the law.
[01:06:57.800 --> 01:07:01.800]  It can be provided under a breach of contract.
[01:07:01.800 --> 01:07:05.800]  Covenant 14.
[01:07:05.800 --> 01:07:06.800]  I've got the wrong one.
[01:07:06.800 --> 01:07:11.800]  I need to open up the other one.
[01:07:11.800 --> 01:07:13.800]  This one is an FHA loan.
[01:07:13.800 --> 01:07:16.800]  I'm going to drop this one in a second and go to another one.
[01:07:16.800 --> 01:07:22.800]  But if you have an FHA loan, there's one thing I especially shouldn't notice.
[01:07:22.800 --> 01:07:35.800]  In this one, in a deed of trust, almost always, Covenant 20 will be the covenant
[01:07:35.800 --> 01:07:41.800]  that authorizes the sale of the note with restrictions.
[01:07:41.800 --> 01:07:49.800]  In this one, Covenant 20, substitute trustee, lender at its option with or without cause,
[01:07:49.800 --> 01:07:53.800]  pay from time to time, remove trustee, and appoint by power of attorney
[01:07:53.800 --> 01:07:57.800]  or otherwise, blah, blah, blah.
[01:07:57.800 --> 01:08:08.800]  Covenant 20 that authorizes the sale of the note is not in an FHA loan.
[01:08:08.800 --> 01:08:15.800]  That means there is no authority to sell the note, period.
[01:08:15.800 --> 01:08:23.800]  If you have an FHA loan, you have not granted the lender authority to sell the note.
[01:08:23.800 --> 01:08:29.800]  So if you have a deed of trust, then look at that.
[01:08:29.800 --> 01:08:34.800]  Look in the footer.
[01:08:34.800 --> 01:08:40.800]  Another thing to look at in the footer is what the footer says.
[01:08:40.800 --> 01:08:48.800]  Deed of trust, single family, Fannie Mae, Freddie Mac, uniform instrument.
[01:08:48.800 --> 01:08:53.800]  Well, this instrument has MERS included in the instrument.
[01:08:53.800 --> 01:08:56.800]  I'm looking at a different one. This is not the FHA loan.
[01:08:56.800 --> 01:09:00.800]  It has MERS included in the instrument.
[01:09:00.800 --> 01:09:03.800]  Problem.
[01:09:03.800 --> 01:09:13.800]  If you go to the website for Fannie Mae, Freddie Mac, Fannie Mae, this is in Texas is 3044.
[01:09:13.800 --> 01:09:15.800]  Each state has a different number.
[01:09:15.800 --> 01:09:23.800]  This is the Fannie Mae, Freddie Mac, Uniform Instrument 3044.
[01:09:23.800 --> 01:09:32.800]  If you pull up Fannie Mae, Freddie Mac, Uniform Instrument 3044, you won't find MERS in it.
[01:09:32.800 --> 01:09:34.800]  At all.
[01:09:34.800 --> 01:09:42.800]  And these paragraphs, the transfer rights and the property paragraph and the together with paragraph,
[01:09:42.800 --> 01:09:53.800]  they are totally different and they are substantially different than the Fannie Mae, Freddie Mac, Uniform Instrument.
[01:09:53.800 --> 01:09:59.800]  When you went to closing, the lender brought this contract and put it down in front of you.
[01:09:59.800 --> 01:10:04.800]  You didn't have any say in the construction of the contract or the covenants that were put in it.
[01:10:04.800 --> 01:10:07.800]  This was all the lenders doing.
[01:10:07.800 --> 01:10:11.800]  He put this in front of you and presented it as a deed of trust.
[01:10:11.800 --> 01:10:14.800]  If you had MERS in it, it was no such thing.
[01:10:14.800 --> 01:10:25.800]  But he got your trust and acceptance because the footer claimed that it was a uniform instrument.
[01:10:25.800 --> 01:10:37.800]  When it was no such thing that is fraud on its face, that should be enough alone to void the contract.
[01:10:37.800 --> 01:10:44.800]  These are things that it's easy for a judge to wrap his hand around.
[01:10:44.800 --> 01:10:51.800]  Judges do not like to render rulings that changes the world as they know it.
[01:10:51.800 --> 01:10:57.800]  The judge does not want to render a ruling that says the lender securitized your note.
[01:10:57.800 --> 01:11:06.800]  Therefore, the deed of trust is void because it's illegal to securitize a note.
[01:11:06.800 --> 01:11:09.800]  He's going to have people all over him.
[01:11:09.800 --> 01:11:12.800]  He does not want that to happen.
[01:11:12.800 --> 01:11:20.800]  So if you want him to rule in your favor, give him something he can wrap his head around.
[01:11:20.800 --> 01:11:26.800]  Give him something he can wrap his gavel around and not change the world as he knows it.
[01:11:26.800 --> 01:11:28.800]  He can say, yeah, look at that.
[01:11:28.800 --> 01:11:32.800]  You did breach a covenant of the contract.
[01:11:32.800 --> 01:11:34.800]  And that doesn't affect the world as he knows it.
[01:11:34.800 --> 01:11:38.800]  It only goes to this contract.
[01:11:38.800 --> 01:11:44.800]  Well, oh, this one has to be one I was looking for.
[01:11:44.800 --> 01:11:52.800]  Okay, mortgage insurance, if the lender, if the lender required mortgage insurance as a condition,
[01:11:52.800 --> 01:11:55.800]  this is Covenant 10, and that's the one it usually is.
[01:11:55.800 --> 01:12:02.800]  As a condition of making the loan, borrower shall pay the premiums required to maintain the mortgage insurance.
[01:12:02.800 --> 01:12:08.800]  This is a long paragraph, but it goes on to say if the lender can't get mortgage insurance,
[01:12:08.800 --> 01:12:09.800]  he can indemnify himself.
[01:12:09.800 --> 01:12:12.800]  That's Covenant 10 because it's into that one.
[01:12:12.800 --> 01:12:18.800]  Okay, we've talked about notices, loan charges.
[01:12:18.800 --> 01:12:24.800]  All your FHA loans did not have this loan charges section.
[01:12:24.800 --> 01:12:27.800]  This is why I opened the other one I was looking for this one.
[01:12:27.800 --> 01:12:28.800]  Loan charges.
[01:12:28.800 --> 01:12:33.800]  Lender may charge borrower fees and services performed in connection with the borrower's default.
[01:12:33.800 --> 01:12:37.800]  Borrower's default for the purpose of protecting lenders and blah, blah, blah.
[01:12:37.800 --> 01:12:46.800]  This restricts the lender in the five fees that he can charge the borrower.
[01:12:46.800 --> 01:12:53.800]  Well, if you pull out your HUD 1 settlement statement and look at it,
[01:12:53.800 --> 01:13:00.800]  the lender put that in front of you at closing and had all these fees on it.
[01:13:00.800 --> 01:13:08.800]  So think back to when you were closing, did the lender provide documentation to show
[01:13:08.800 --> 01:13:17.800]  that the fees that were charged at closing were not otherwise prohibited from being charged by law,
[01:13:17.800 --> 01:13:28.800]  that the fees were for services actually rendered, that the fees were for services that were necessary,
[01:13:28.800 --> 01:13:35.800]  that the amounts charged was reasonable, that the vendor was a bona fide vendor
[01:13:35.800 --> 01:13:39.800]  and not a front company for one of your fiduciaries,
[01:13:39.800 --> 01:13:45.800]  and that the lender did not take an undisclosed markup on the amounts charged.
[01:13:45.800 --> 01:13:50.800]  All of that comes from the real estate settlement procedures act.
[01:13:50.800 --> 01:14:00.800]  And I know what the answer is, the lender did not provide any documentation of any kind.
[01:14:00.800 --> 01:14:08.800]  So one of the claims we make is all of the fees charged from the HUD 1 settlement statement were bogus.
[01:14:08.800 --> 01:14:11.800]  Every stinking one of them.
[01:14:11.800 --> 01:14:22.800]  And we tell the lender in the suit, we claim that if you prove up one of these fees, we will deduct it from our calculation of fraud.
[01:14:22.800 --> 01:14:27.800]  We found about 500 suits for those calculations in them.
[01:14:27.800 --> 01:14:35.800]  Got any idea how many banks proved up how many fees?
[01:14:35.800 --> 01:14:36.800]  Mike?
[01:14:36.800 --> 01:14:37.800]  Zero.
[01:14:37.800 --> 01:14:40.800]  They don't want to show you their accounting on that.
[01:14:40.800 --> 01:14:41.800]  Exactly.
[01:14:41.800 --> 01:14:53.800]  They do not dare prove up a single one because I guarantee you every single loan has fraudulent fees on it.
[01:14:53.800 --> 01:14:57.800]  They're not going to prove it up because they're afraid to go to prison if they do.
[01:14:57.800 --> 01:15:03.800]  If they try to, because if they prove up one and fail to prove up another,
[01:15:03.800 --> 01:15:09.800]  that creates the adverse inference in law that it is exactly what we said it was.
[01:15:09.800 --> 01:15:25.800]  A false fee put in there to generate extra funds that they could then use to bribe your fiduciaries to breach their fiduciary duty to you.
[01:15:25.800 --> 01:15:26.800]  So that's another one.
[01:15:26.800 --> 01:15:27.800]  Look at the fees.
[01:15:27.800 --> 01:15:28.800]  Got notices.
[01:15:28.800 --> 01:15:29.800]  Okay.
[01:15:29.800 --> 01:15:33.800]  Now we go down to 20.
[01:15:33.800 --> 01:15:48.800]  Sale of note, charge of loan services and notice of grievance, the note or a partial interest in the note together with this security instrument can be sold one or more times without prior notice to borrower.
[01:15:48.800 --> 01:16:05.800]  Every one of these, even if it's a mortgage has the same wording here, the note or a partial interest in the note bracket together with this security instrument close bracket.
[01:16:05.800 --> 01:16:11.800]  That is an authorization with a concession with a stipulation.
[01:16:11.800 --> 01:16:19.800]  You authorize the lender to sell the note, but only together with the security instrument.
[01:16:19.800 --> 01:16:25.800]  You don't claim bifurcation as a generic harm.
[01:16:25.800 --> 01:16:31.800]  You claim bifurcation as a contractual violation.
[01:16:31.800 --> 01:16:33.800]  You don't have to show harm.
[01:16:33.800 --> 01:16:35.800]  I've got one more to come back from the break.
[01:16:35.800 --> 01:16:37.800]  And then I'll be done with this.
[01:16:37.800 --> 01:16:41.800]  This is Randy Caldwell.
[01:16:41.800 --> 01:16:45.800]  I call it number 512-646-1984.
[01:16:45.800 --> 01:16:50.800]  I will finish this up quickly on the other side and then we'll finish talking to Mike in Tennessee.
[01:16:50.800 --> 01:16:52.800]  I'm sure he has some more issues.
[01:16:52.800 --> 01:16:55.800]  And then we'll go to Rob in Mexico.
[01:16:55.800 --> 01:16:59.800]  We'll be right back.
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[01:18:59.800 --> 01:19:17.800]  This is the Logos Radio Network.
[01:19:17.800 --> 01:19:46.800]  We are back to Randy Calford, David Craig, Rue La Radio, and on the need of cost,
[01:19:46.800 --> 01:19:54.800]  I have one more cousin, 24.
[01:19:54.800 --> 01:20:02.800]  Substitute trustee, trustee liability, all rights, remedies, and duties of the trustee under this security instrument,
[01:20:02.800 --> 01:20:07.800]  may be exercised to perform by one or more trustees acting alone or together.
[01:20:07.800 --> 01:20:17.800]  The lender at his option, and with or without cost, may, from, that didn't sound good.
[01:20:17.800 --> 01:20:21.800]  Chris, am I still up?
[01:20:21.800 --> 01:20:22.800]  I am.
[01:20:22.800 --> 01:20:23.800]  Okay, okay.
[01:20:23.800 --> 01:20:30.800]  I got one of those skypey, dingy things that sounds like I've got dropped.
[01:20:30.800 --> 01:20:40.800]  What this says is that the lender at his option anytime he wants to, with or without notifying you, can change trustees,
[01:20:40.800 --> 01:20:45.800]  can appoint a substitute trustee.
[01:20:45.800 --> 01:20:52.800]  Sometimes you have to read something a few times before you realize what you read.
[01:20:52.800 --> 01:20:55.800]  It says the lender.
[01:20:55.800 --> 01:21:01.800]  Now, in this document, this particular one, MERS is mentioned in the document.
[01:21:01.800 --> 01:21:04.800]  But it didn't say MERS.
[01:21:04.800 --> 01:21:06.800]  It said the lender.
[01:21:06.800 --> 01:21:17.800]  And this goes to the maximum what is included, what is not included in any list is excluded.
[01:21:17.800 --> 01:21:24.800]  Or the legal maximum everybody's probably heard, the exception proves the rule.
[01:21:24.800 --> 01:21:27.800]  Now, when I first heard that, I thought that was nonsense.
[01:21:27.800 --> 01:21:31.800]  I would say an exception would negate the rule.
[01:21:31.800 --> 01:21:41.800]  But what they mean is, is when one thing is named out of the general, everything else is excluded.
[01:21:41.800 --> 01:21:50.800]  So the rule is, no one can appoint a substitute trustee except the one that is named.
[01:21:50.800 --> 01:22:00.800]  So the argument that I bring here is, is that since the document named the lender and no one else,
[01:22:00.800 --> 01:22:05.800]  then only the lender can appoint a substitute trustee.
[01:22:05.800 --> 01:22:13.800]  And if you look at the records, you'll find MERS appointing the substitute trustee.
[01:22:13.800 --> 01:22:21.800]  And first we'll argue that MERS never had any authority to start with, and even if they did, they didn't have power to appoint a substitute trustee.
[01:22:21.800 --> 01:22:36.800]  And if the MERS assigned the deed of trust, even if the document says they assigned the deed of trust and the note, you say horse manure,
[01:22:36.800 --> 01:22:48.800]  they sold that and they securitized that note and negotiated it to one party while they transferred the deed of trust to another party in violation of Covenants 20.
[01:22:48.800 --> 01:22:52.800]  So just with the deed of trust, we can rip it to pieces.
[01:22:52.800 --> 01:22:58.800]  I've got about, about a 20 page argument where I rip apart the deed of trust.
[01:22:58.800 --> 01:23:02.800]  And then you look at the jurret.
[01:23:02.800 --> 01:23:06.800]  Look at the notary.
[01:23:06.800 --> 01:23:20.800]  The first thing you should do, Mike, is look through the county record and every notary that's in there, send them a request for evidence of the authentication of the,
[01:23:20.800 --> 01:23:28.800]  of all documents they authenticated between a day before and a day after the document in question.
[01:23:28.800 --> 01:23:40.800]  But have someone other than yourself send a request or other than whoever's name is on the note so that they won't know which one to forge.
[01:23:40.800 --> 01:24:02.800]  If they can't provide the ledger or evidence of the authentication, then that creates the prima facie evidence that the authentication is not valid and documents filed in the county record are not self authenticating.
[01:24:02.800 --> 01:24:09.800]  Quickly, the authentication means you don't know who this guy was assigned this document.
[01:24:09.800 --> 01:24:13.800]  You weren't there, you pick up this document, it's got this guy's signature on it.
[01:24:13.800 --> 01:24:16.800]  How do you know he's the real person?
[01:24:16.800 --> 01:24:19.800]  He's got to go to a notary and prove up who he is.
[01:24:19.800 --> 01:24:24.800]  All the notary does is determine the person's identity.
[01:24:24.800 --> 01:24:27.800]  He doesn't vouch for anything that's in the document.
[01:24:27.800 --> 01:24:32.800]  He just determines the person's identity so that you know that's who it is.
[01:24:32.800 --> 01:24:36.800]  Well, if the notary is no good, the document's no good.
[01:24:36.800 --> 01:24:46.800]  This is more critical when you look at an apartment of substitute trustee or an apartment of the deed of trust.
[01:24:46.800 --> 01:25:00.800]  Look at who made the appointment and where are they named in the record as having authority to make the appointments.
[01:25:00.800 --> 01:25:08.800]  Then look at every signature on all of the documents. Anyone other than yourself who has signed one of these documents,
[01:25:08.800 --> 01:25:21.800]  send a letter to the company for whom they signed and demand that they provide you evidence of power of attorney for this individual.
[01:25:21.800 --> 01:25:27.800]  If they are a robo signer, there will be no evidence of power of attorney.
[01:25:27.800 --> 01:25:33.800]  You can go to the court and say, your honor, this guy's a robo signer, his name is splattered all over the internet,
[01:25:33.800 --> 01:25:39.800]  and the judge will say, so what? That doesn't mean he didn't have authority to sign this document.
[01:25:39.800 --> 01:25:44.800]  But if you go to him and say, judge, this guy's a robo signer, his name is splattered all over the internet,
[01:25:44.800 --> 01:25:52.800]  and so we send his company a request for proof of power of attorney and we receive no answer.
[01:25:52.800 --> 01:25:57.800]  That's prima facie evidence that power of attorney doesn't exist.
[01:25:57.800 --> 01:26:04.800]  Then you ask the judge to rule that the document is insufficient for filing in the county record,
[01:26:04.800 --> 01:26:07.800]  render it void and no force in effect.
[01:26:07.800 --> 01:26:13.800]  You do that both through the deed of trust and the apartment of substitute trustee.
[01:26:13.800 --> 01:26:15.800]  Okay, I'm done.
[01:26:15.800 --> 01:26:22.800]  All right, I have a couple of questions for you. The good thing is this form is one of 30, 40 threes,
[01:26:22.800 --> 01:26:26.800]  which is the Fannie Mae form.
[01:26:26.800 --> 01:26:31.800]  So that's the good thing that the trust is, this deed of trust is.
[01:26:31.800 --> 01:26:39.800]  And the question is, it doesn't say anywhere whether we got mortgage insurance or not.
[01:26:39.800 --> 01:26:42.800]  How do we find out about the mortgage insurance?
[01:26:42.800 --> 01:26:49.800]  Did you look at, did it have a covenant 10?
[01:26:49.800 --> 01:26:51.800]  Yes, it did.
[01:26:51.800 --> 01:26:54.800]  What did it say?
[01:26:54.800 --> 01:26:58.800]  It says mortgage insurances, like you said, if lender requires mortgage insurance.
[01:26:58.800 --> 01:27:00.800]  Okay, good, good.
[01:27:00.800 --> 01:27:10.800]  Read that whole thing and then do a request to the lender for evidence of mortgage insurance.
[01:27:10.800 --> 01:27:17.800]  And he will, he will give you no response or he will tell you he doesn't have to produce it.
[01:27:17.800 --> 01:27:19.800]  You don't care what he does.
[01:27:19.800 --> 01:27:28.800]  If he doesn't give you a mortgage insurance policy, then that creates the inference that there is no policy
[01:27:28.800 --> 01:27:38.800]  and therefore he is self-indemnified and has no claim against you.
[01:27:38.800 --> 01:27:41.800]  Wow, that's real strong.
[01:27:41.800 --> 01:27:47.800]  The next thing is why is it they always have a substitute trustee?
[01:27:47.800 --> 01:27:50.800]  What's wrong with the original one?
[01:27:50.800 --> 01:27:55.800]  Because I don't think he ever existed in the first place.
[01:27:55.800 --> 01:28:01.800]  And that's why they put this clause in there because he never existed to begin with.
[01:28:01.800 --> 01:28:13.800]  Here's the most good chance. One of the things to look for on a appointment of substitute trustee is who did the appointment.
[01:28:13.800 --> 01:28:21.800]  If MERS is not functional and then the only one who can do the appointment is the original lender.
[01:28:21.800 --> 01:28:30.800]  And if the original lenders went out of business, there's nobody who can appoint a substitute trustee.
[01:28:30.800 --> 01:28:39.800]  If the original lender is out of business and there is no valid assignment of the deed of trust to another party,
[01:28:39.800 --> 01:28:45.800]  this is especially important if you have a note from Washington Mutual.
[01:28:45.800 --> 01:28:52.800]  Washington Mutual went out of business. JPMorgan Chase bought all their assets.
[01:28:52.800 --> 01:28:58.800]  But Washington Mutual did not transfer the deed of trust.
[01:28:58.800 --> 01:29:03.800]  Deed of trust is not an asset. The note is an asset.
[01:29:03.800 --> 01:29:08.800]  The deed of trust is just a security instrument to secure the asset.
[01:29:08.800 --> 01:29:13.800]  And it was written to protect Washington Mutual.
[01:29:13.800 --> 01:29:18.800]  Washington Mutual would have had to have assigned that to JPMorgan Chase.
[01:29:18.800 --> 01:29:25.800]  JPMorgan Chase bought the note and have a claim against the person.
[01:29:25.800 --> 01:29:34.800]  But Washington Mutual never transferred the deed of trust, so they abandoned it when they went out of business.
[01:29:34.800 --> 01:29:38.800]  And that's where my brother's paper work is sitting right now.
[01:29:38.800 --> 01:29:46.800]  Chase says they're the servicer and I've tried to get feedback from those guys and they won't give me anything.
[01:29:46.800 --> 01:29:59.800]  Okay, understand. If you do it right, will you make the request they fail to answer that provides in law, prima facie evidence, to the negative.
[01:29:59.800 --> 01:30:05.800]  A noble lie, Oklahoma City, 1995 will change forever the way you look at the true nature of terrorism.
[01:30:05.800 --> 01:30:09.800]  Based on the damage pattern to the building, but the government sends impossible.
[01:30:09.800 --> 01:30:13.800]  The grand jury did not want to hear anything I had to say.
[01:30:13.800 --> 01:30:17.800]  The decision was made not to pursue any more of those individuals.
[01:30:17.800 --> 01:30:21.800]  Some of these columns were ripped up, shredded, tossed around.
[01:30:21.800 --> 01:30:25.800]  The people that did the things they did knew doggone well what they were doing.
[01:30:25.800 --> 01:30:30.800]  Expose the cover up now at anoblelive.com.
[01:30:30.800 --> 01:30:36.800]  The rule of law radio network is proud to present a due process of law seminar hosted by our own Eddie Craig.
[01:30:36.800 --> 01:30:50.800]  Eddie is a former Nacodotius sheriff's deputy and for the past 21 years he's been studying the due process of law and now offers his knowledge to you at a seminar every Sunday from 2 o'clock to 5 o'clock at Brave New Books, located at 1904 Guadalupe Street.
[01:30:50.800 --> 01:30:59.800]  Admission is $20 so please make plans to come by and sit with Eddie and learn for yourself what the true intent of law really is.
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[01:32:14.800 --> 01:32:19.800]  Thank you for watching this video.
[01:32:44.800 --> 01:32:53.800]  Okay, we are back. Randy Kelton, David Stevens, Eddie Craig and we move on radio.
[01:32:53.800 --> 01:32:59.800]  And sorry about talking over the end of the session. Somehow I didn't get the music that time.
[01:32:59.800 --> 01:33:04.800]  Okay, where are we? Mike.
[01:33:04.800 --> 01:33:21.800]  Okay, man, this news that you told us tonight, all of this, I think it's already shaking, okay? This is going to help a ton of people right here because this is where it seems the judges are wanting to help because their hands are untied right here.
[01:33:21.800 --> 01:33:27.800]  And so if we focus on this, we'll get our remedy.
[01:33:27.800 --> 01:33:41.800]  That is absolutely what I am hoping. And we have gotten some pretty good luck here. One of the early evaluations that I did, I do an evaluation of the records.
[01:33:41.800 --> 01:33:49.800]  And my output is a statement of facts and statement of factual accusation that you can drop right into a document.
[01:33:49.800 --> 01:34:00.800]  One of the early ones we did was Renee Carino. He was two days from an eviction. So we get this together. He goes to the eviction hearing.
[01:34:00.800 --> 01:34:08.800]  And the judge just knows everything. Rules against him. So he drops a removal.
[01:34:08.800 --> 01:34:19.800]  He had filed in the federal court. He dropped a removal on the court. And the JP didn't understand what a removal was.
[01:34:19.800 --> 01:34:36.800]  He was going to set a hearing date to rule on the removal. And the lawyer said, well, your honor, I would like to move for a continuance until the federal judge rules on the removal.
[01:34:36.800 --> 01:34:46.800]  And when Renee told me that, he owes that lawyer one because when you file a removal, it is removed.
[01:34:46.800 --> 01:34:53.800]  Removal is not a motion. Removal is an action. So he removed it to the federal court.
[01:34:53.800 --> 01:34:59.800]  In general, when we remove one to the federal court, two or three days, they just kick it right back.
[01:34:59.800 --> 01:35:07.800]  They looked at that evaluation with that 30-something page evaluation. They did not kick it back. It has stopped there, everything.
[01:35:07.800 --> 01:35:16.800]  And we've had really good luck with this this way because now the judge is looking at it and he has facts he has to deal with.
[01:35:16.800 --> 01:35:20.800]  And facts that he can readily rule on.
[01:35:20.800 --> 01:35:22.800]  Okay. Do you have anything else, Mike?
[01:35:22.800 --> 01:35:23.800]  No, sir.
[01:35:23.800 --> 01:35:26.800]  Got one more caller and I'm running him out of time.
[01:35:26.800 --> 01:35:28.800]  All right. Thank you, Randy.
[01:35:28.800 --> 01:35:34.800]  Okay. Thank you, Mike. Now we're going to go to Rob into Mexico.
[01:35:34.800 --> 01:35:36.800]  Hey, Randy.
[01:35:36.800 --> 01:35:39.800]  Hello, Rob. How's it going?
[01:35:39.800 --> 01:35:51.800]  It's all good. I have some questions for you for Kay, too, but I'll try and get her to call in tomorrow or I'll call in her local case is getting real interesting already.
[01:35:51.800 --> 01:36:06.800]  But I had some questions for you about discovery. You know, I got got Bank of America and a foreclosure mill law firm in federal court, and I just got back my first round of discovery from the law firm.
[01:36:06.800 --> 01:36:16.800]  One of the things that I asked them for that they're refusing to provide is a contract authorizing them to act on behalf of Bank of America.
[01:36:16.800 --> 01:36:26.800]  And I was thinking about a motion to compel, but I sued them under Fair Credit Reporting Act for an impermissible poll.
[01:36:26.800 --> 01:36:29.800]  And they're claiming that they had permission because they were acting for the bank.
[01:36:29.800 --> 01:36:35.800]  And if they don't prove that they were acting for the bank, then they've got no permissible purpose, period, right?
[01:36:35.800 --> 01:36:39.800]  Right. Now, you've already asked for it.
[01:36:39.800 --> 01:36:42.800]  They failed to produce it.
[01:36:42.800 --> 01:36:49.800]  It's the adverse inference that they don't have it. Right. And so they're going to have to prove they have it.
[01:36:49.800 --> 01:36:52.800]  Otherwise, they lose by default.
[01:36:52.800 --> 01:36:58.800]  Okay, so I wouldn't put I wouldn't you've already requested it. I wouldn't push anymore.
[01:36:58.800 --> 01:37:03.800]  Okay. And then next, they might actually produce it and screw up everything.
[01:37:03.800 --> 01:37:07.800]  Yeah, yeah. Well, they admitted that they don't have.
[01:37:07.800 --> 01:37:12.800]  Okay.
[01:37:12.800 --> 01:37:17.800]  Well, I think
[01:37:17.800 --> 01:37:23.800]  Oh, it looks like we know Rob's still on there. Rob, are you with us?
[01:37:23.800 --> 01:37:33.800]  Well, problem is, I think Rob has been, you know, he drives a truck and I think he's been breathing too many of those diesel fumes.
[01:37:33.800 --> 01:37:40.800]  Causes deadheading. So we can tell jokes about him while he's not here.
[01:37:40.800 --> 01:37:45.800]  Okay, we will maybe we'll get him back here pretty soon.
[01:37:45.800 --> 01:37:51.800]  But yeah, as far as discovery, I'll go through quickly.
[01:37:51.800 --> 01:37:57.800]  I'm not the all time expert on discovery, but discoveries can be great fun.
[01:37:57.800 --> 01:38:06.800]  What generally happens in discovery is when you send discovery, you send it, it's in the form of a subpoena.
[01:38:06.800 --> 01:38:10.800]  And it used to be that the clerks would issue the subpoena.
[01:38:10.800 --> 01:38:15.800]  And that's just to take some of the load off the judges.
[01:38:15.800 --> 01:38:21.800]  But the subpoena issued by the clerk had no real force and effect.
[01:38:21.800 --> 01:38:28.800]  So because it didn't have any fortune effect, they went ahead and let the litigants produce the subpoena.
[01:38:28.800 --> 01:38:36.800]  So when you file for discovery, you send a subpoena and it's really a polite request.
[01:38:36.800 --> 01:38:47.800]  If the other side refuses to produce the records that you ask for, then you go to the judge and ask the judge to sign the subpoena.
[01:38:47.800 --> 01:38:56.800]  When the subpoena comes in the name of the clerk, it's only a request because it doesn't have the force of the courts to behind it.
[01:38:56.800 --> 01:39:05.800]  So when they don't respond, then you go to the courts and say, ask the court to order them to produce the discovery.
[01:39:05.800 --> 01:39:10.800]  And generally, when you ask for stuff, they'll deny everything.
[01:39:10.800 --> 01:39:16.800]  They'll object to everything you ask for admissions, they deny everything.
[01:39:16.800 --> 01:39:20.800]  So it's kind of a standard thing.
[01:39:20.800 --> 01:39:24.800]  They're going to deny all your discovery, you're going to deny all their discovery.
[01:39:24.800 --> 01:39:29.800]  And then the judge will have to wind up ordering what he thinks ought to be discovered.
[01:39:29.800 --> 01:39:33.800]  Rob, are you back?
[01:39:33.800 --> 01:39:38.800]  I guess not. I thought I heard something in the background, but I guess he's not back yet.
[01:39:38.800 --> 01:39:53.800]  So discovery is relatively simple. You can ask questions and interrogatories. You only get 25, and usually you get 25 requests for admissions.
[01:39:53.800 --> 01:39:59.800]  Admissions is where the art comes in.
[01:39:59.800 --> 01:40:09.800]  Anything that you can, you want to ask things you can conclusively prove and hope the other side denies them.
[01:40:09.800 --> 01:40:24.800]  When you do, we don't really have time to go into the art of discovery, but you craft your questions, your admissions more carefully than anything else.
[01:40:24.800 --> 01:40:36.800]  In back in 92, I won a preconcised case because they failed to answer some admissions or they answered one incorrectly.
[01:40:36.800 --> 01:40:42.800]  So you have admissions, interrogatories, and requests for production of documents.
[01:40:42.800 --> 01:40:48.800]  So interrogatories, you get 25. Admissions, you do get 25.
[01:40:48.800 --> 01:41:00.800]  Request for production is you can only request that the other side produce something to which you do not have equal access.
[01:41:00.800 --> 01:41:04.800]  If something is a public record, you can't ask him to produce it.
[01:41:04.800 --> 01:41:10.800]  If something is filed in the court or something like that, he's going to tell you to get it yourself.
[01:41:10.800 --> 01:41:17.800]  So you can only ask for what is not equally available to both sides.
[01:41:17.800 --> 01:41:25.800]  Well, I hope that Rob didn't get pulled over by a state trooper beating into unconsciousness.
[01:41:25.800 --> 01:41:32.800]  But I think we've lost him altogether. The phone lines are still open. We have one more segment.
[01:41:32.800 --> 01:41:41.800]  And until we get someone called back in, I want to go back to what we were talking about earlier.
[01:41:41.800 --> 01:41:47.800]  I would like someone, give your opinion on where you think we're going to go.
[01:41:47.800 --> 01:41:58.800]  It would probably be an interesting exercise to predict what this world, what the country will look like in 10 years.
[01:41:58.800 --> 01:42:01.800]  Write it down on something.
[01:42:01.800 --> 01:42:07.800]  And then in 10 years, look back and see how accurate you were.
[01:42:07.800 --> 01:42:19.800]  We used to say 50 or 100 years, but the way the world is moving now, I don't think we could predict 10 years.
[01:42:19.800 --> 01:42:27.800]  I'm looking at these cell phones that we have now and I am amazed at how incredibly complex they are,
[01:42:27.800 --> 01:42:31.800]  and how powerful they are, and how cheap they are.
[01:42:31.800 --> 01:42:35.800]  These things are built almost completely by machines.
[01:42:35.800 --> 01:42:40.800]  There's almost nothing that a human being actually touches on them to produce them.
[01:42:40.800 --> 01:42:45.800]  My brother is, and I was a machinist and my brother still is.
[01:42:45.800 --> 01:42:49.800]  We used to have to make each part by hand.
[01:42:49.800 --> 01:42:54.800]  The machines now, we have milling machines and lathe.
[01:42:54.800 --> 01:42:57.800]  With a mill lathe and a grinder, you can make just about anything.
[01:42:57.800 --> 01:43:05.800]  We now have mills and lathe that can move the parts between the two machines.
[01:43:05.800 --> 01:43:08.800]  And for me, that was the most incredible thing I've ever heard of.
[01:43:08.800 --> 01:43:11.800]  These things are truly robots.
[01:43:11.800 --> 01:43:22.800]  We are closing in on the place where a factory will merely have someone monitoring it out in the flat in the high plains and such.
[01:43:22.800 --> 01:43:27.800]  We have farmers who sit in their pickup truck with their remote control
[01:43:27.800 --> 01:43:34.800]  and watch their equipment work to feel by GPS location.
[01:43:34.800 --> 01:43:37.800]  It is absolutely incredible, for example.
[01:43:37.800 --> 01:43:41.800]  This is Randy Kelton near Mr. Steven City Craig, Rue LaRio.
[01:43:41.800 --> 01:43:45.800]  Our call in number 512-646-1984.
[01:43:45.800 --> 01:43:47.800]  We're going into our last segment.
[01:43:47.800 --> 01:43:52.800]  I'll give us a call, we'll be right back.
[01:44:17.800 --> 01:44:19.800]  This is Ron Paul and G. Edward Griffin.
[01:44:19.800 --> 01:44:23.800]  They even stock inner food, Berkey products and Calvin Soaps.
[01:44:23.800 --> 01:44:25.800]  There's no way a place like that exists.
[01:44:25.800 --> 01:44:27.800]  Go check it out for yourself.
[01:44:27.800 --> 01:44:31.800]  It's downtown at 1904 Guadalupe Street just south of UT.
[01:44:31.800 --> 01:44:35.800]  Ah, by UT, there's never anywhere to park down there.
[01:44:35.800 --> 01:44:42.800]  Actually, they now offer a free hour of parking for paying customers at the 500 MLK parking facility just behind the bookstore.
[01:44:42.800 --> 01:44:46.800]  It does exist, but when are they open?
[01:44:46.800 --> 01:44:51.800]  Monday through Saturday, 11 a.m. to 9 p.m. and 1 to 6 p.m. on Sundays.
[01:44:51.800 --> 01:45:17.800]  Call 512-480-2503 or check out their events page at bravenewbookstore.com.
[01:45:21.800 --> 01:45:26.800]  Thousands have won with our step-by-step course, and now you can too.
[01:45:26.800 --> 01:45:33.800]  Jurisdictionary was created by a licensed attorney with 22 years of case-winning experience.
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[01:46:00.800 --> 01:46:24.800]  Hello. Oh, man, in jail. You got busted? Oh, man, I'm broke.
[01:46:24.800 --> 01:46:30.800]  Okay, we are back. Randy Kelton, David Stevens, Eddie Craig, rule of law radio.
[01:46:30.800 --> 01:46:40.800]  And it seems that Rob did not get pulled over by a highway patrol beating into unconsciousness as we got him back.
[01:46:40.800 --> 01:46:45.800]  Rob, did you drop your phone?
[01:46:45.800 --> 01:46:50.800]  Well, we thought we had him back.
[01:46:50.800 --> 01:46:54.800]  Rob, are you there?
[01:46:54.800 --> 01:47:00.800]  I guess we only have part of him back.
[01:47:00.800 --> 01:47:09.800]  Well, in that case, we had someone who was going to call in and talk about gun control.
[01:47:09.800 --> 01:47:15.800]  But I think I'd like to talk about that tomorrow night.
[01:47:15.800 --> 01:47:23.800]  I once told someone that I'm an older fella. I was taking some college courses, and he didn't like some of my opinions.
[01:47:23.800 --> 01:47:30.800]  And I told him that I was older, and being older, I have all of these opinions.
[01:47:30.800 --> 01:47:36.800]  Well, I have these opinions, and I would like to talk about the gun control issue.
[01:47:36.800 --> 01:47:51.800]  And I spent some time on that. I really hate conspiracies, but it was incredibly disturbing when it came out, actually, on national news,
[01:47:51.800 --> 01:48:04.800]  that both these last two shooters had a father who was slated to testify before the legislature in this library scandal.
[01:48:04.800 --> 01:48:07.800]  I hate coincidences.
[01:48:07.800 --> 01:48:19.800]  And those are too close if, in fact, the government is staging this kind of nonsense in order to promote its gun control agenda.
[01:48:19.800 --> 01:48:32.800]  They grossly underestimate the American public, because every time there's one of these shootings, gun purchases go up dramatically.
[01:48:32.800 --> 01:48:38.800]  And that's essentially because of the state of mind of Americans.
[01:48:38.800 --> 01:48:45.800]  When I was in Australia, it was totally different. They took up all the guns there, and I didn't hear a lot of complaining about it.
[01:48:45.800 --> 01:48:54.800]  I did have one fella tell me, you know, with them taking up all the guns, you go into a bar and be as obnoxious as you want to,
[01:48:54.800 --> 01:48:59.800]  because you don't have to worry about the guy going home getting the gun, coming back and shooting you.
[01:48:59.800 --> 01:49:10.800]  I thought that was a pretty stupid way to look at it, but I didn't see much objection, and that went to a state of mind,
[01:49:10.800 --> 01:49:26.800]  essentially a colonial state of mind, and more of a European state of mind, where people don't feel the individual status that we tend to hear in the United States.
[01:49:26.800 --> 01:49:41.800]  In Asia, it was even more pronounced, especially in Southeast Asia, Vietnam and Thailand.
[01:49:41.800 --> 01:49:51.800]  All of those places we went to, people tended not to feel as though they were individuals.
[01:49:51.800 --> 01:50:00.800]  They felt like they were part of a community, and they really did not understand Americans.
[01:50:00.800 --> 01:50:09.800]  They were incredibly intrigued by Americans because we were so individual.
[01:50:09.800 --> 01:50:21.800]  What they see on the cowboy movies, where the lone wolf goes out and takes care of justice, it's not in their culture, so they don't really understand that part.
[01:50:21.800 --> 01:50:40.800]  It seems like if these are false flags and the government has put those in in order to promote their agenda of gun control, it's not going to work because of our nature.
[01:50:40.800 --> 01:50:48.800]  When this shooting occurred in the movie theater, I was thinking, you know, I bet every guy sitting in that movie theater was thinking,
[01:50:48.800 --> 01:50:56.800]  if I had a concealed weapon on me and this guy come in, he had had himself a gunfight.
[01:50:56.800 --> 01:51:00.800]  He stood there and shot all these people.
[01:51:00.800 --> 01:51:10.800]  This one in Connecticut, if the principal and the school psychologist were armed,
[01:51:10.800 --> 01:51:19.800]  they wouldn't have got shot down like dogs trying to charge this guy who was heavily armed.
[01:51:19.800 --> 01:51:27.800]  They were forced to charge him with empty hands almost at the same time this happened.
[01:51:27.800 --> 01:51:34.800]  The school up in the Panhandle authorized their teachers to carry guns in the classroom.
[01:51:34.800 --> 01:51:39.800]  They didn't require them to, but they authorized them to.
[01:51:39.800 --> 01:51:42.800]  And that's what I've been saying the whole time.
[01:51:42.800 --> 01:51:49.800]  The solution to this problem is simple and it's obvious.
[01:51:49.800 --> 01:51:52.800]  Armed teachers.
[01:51:52.800 --> 01:52:01.800]  The teachers are the group of people that you can trust that are stable, that are well vetted.
[01:52:01.800 --> 01:52:07.800]  You don't even have to arm the teachers, just authorize them to be armed.
[01:52:07.800 --> 01:52:15.800]  Some stinking coward want to make a mark for himself and go and want to set himself up a turkey shoot.
[01:52:15.800 --> 01:52:19.800]  He never wants the turkeys to shoot back.
[01:52:19.800 --> 01:52:26.800]  He won't make a mark getting himself killed by a teacher to keep him from killing the students
[01:52:26.800 --> 01:52:31.800]  and from what these teachers did in Connecticut.
[01:52:31.800 --> 01:52:38.800]  The level of dedication and bravery was absolutely phenomenal.
[01:52:38.800 --> 01:52:43.800]  They needed something that they could use to protect these children with.
[01:52:43.800 --> 01:52:50.800]  And this nonsense of taking the guns away from them so that only the criminals have them.
[01:52:50.800 --> 01:52:52.800]  It frustrates me.
[01:52:52.800 --> 01:52:57.800]  And now you have to understand, I don't have any guns.
[01:52:57.800 --> 01:53:00.800]  I don't want any guns.
[01:53:00.800 --> 01:53:03.800]  I was a weapons expert in the military.
[01:53:03.800 --> 01:53:13.800]  So I know the inside out, upside down and backwards, but I spent too much time on the sharp end of those things.
[01:53:13.800 --> 01:53:17.800]  I have a real good feel for what they do to people.
[01:53:17.800 --> 01:53:24.800]  I don't want to ever use one on anyone if there's any way I can avoid it.
[01:53:24.800 --> 01:53:29.800]  But I want you to have one so in case I need protected, you can protect me.
[01:53:29.800 --> 01:53:32.800]  I hope that makes sense.
[01:53:32.800 --> 01:53:43.800]  Okay, we have Larry from Texas, but yes, it looks like our board is missing it.
[01:53:43.800 --> 01:53:47.800]  Okay, that's what it looks like.
[01:53:47.800 --> 01:53:51.800]  Okay, it looks like we've lost our coverage, so.
[01:53:51.800 --> 01:53:56.800]  Larry will call in tomorrow and we'll talk about this gun control issue.
[01:53:56.800 --> 01:53:59.800]  And I wouldn't very much like your comments.
[01:53:59.800 --> 01:54:04.800]  Looks like we won't be able to comment tonight because we're having a little issue.
[01:54:04.800 --> 01:54:07.800]  I'm going to blame Rob. He took down our whole call bridge.
[01:54:07.800 --> 01:54:10.800]  That's these truck drivers. They're all alike.
[01:54:10.800 --> 01:54:24.800]  But anyway, when I was in the military, one experience that stands out is I was in a little beer joint in Karat, Thailand.
[01:54:24.800 --> 01:54:29.800]  And there we had an air force base and an army base together.
[01:54:29.800 --> 01:54:38.800]  And I was in the air force and armies always fight with each other and big fight broke out in there.
[01:54:38.800 --> 01:54:42.800]  And about everybody in there was armed in the teeth.
[01:54:42.800 --> 01:54:47.800]  No one ever even considered pulling a weapon.
[01:54:47.800 --> 01:54:50.800]  And it was an interesting evening.
[01:54:50.800 --> 01:54:53.800]  They threw me through a top half of a window.
[01:54:53.800 --> 01:54:57.800]  And I wouldn't do anything. I was minding my own business trying to stay out of it.
[01:54:57.800 --> 01:55:02.800]  They threw me through the top half of this window and I landed down the street and there were two little Thai cops out there.
[01:55:02.800 --> 01:55:09.800]  And they had Thompson submachine guns like they used in the gangsters used.
[01:55:09.800 --> 01:55:15.800]  The cops in Thailand carried these things around with them. Just ancient weapons.
[01:55:15.800 --> 01:55:21.800]  And I don't think they cared about their firepower and all those things were pretty powerful weapons.
[01:55:21.800 --> 01:55:25.800]  It was more the look of them was just intimidating.
[01:55:25.800 --> 01:55:32.800]  When I landed on the sidewalk, I kind of landed on my butt and it was dirty on the sidewalk.
[01:55:32.800 --> 01:55:41.800]  Two Thai cops are standing there. One of them held up a finger and wagged his finger at me and then jerked his thumb like, get out of here.
[01:55:41.800 --> 01:55:48.800]  So I watched them. They went over. One of them stood in front of these two double doors with that Thompson in front of him.
[01:55:48.800 --> 01:55:52.800]  He put his hand on the hammer. The other one kicked the doors open.
[01:55:52.800 --> 01:56:01.800]  And this Thai cop stepped in the door and pulled the hammer back on that Thompson and the whole place cleared out.
[01:56:01.800 --> 01:56:12.800]  Now he was looking at a whole room full of really modern weapons that nobody ever even thought about drawing one of those weapons.
[01:56:12.800 --> 01:56:18.800]  An armed society is a polite society.
[01:56:18.800 --> 01:56:24.800]  My son was, he didn't like the idea of right to conceal carry.
[01:56:24.800 --> 01:56:30.800]  And we discussed that at the time it was being passed.
[01:56:30.800 --> 01:56:39.800]  And he was saying it wouldn't be good anyway. If somebody tried to rob you, you wouldn't have an opportunity to get to your weapon.
[01:56:39.800 --> 01:56:43.800]  And I assured him that's not the one you have to worry about.
[01:56:43.800 --> 01:56:48.800]  It's the guy across the street or the guy behind you.
[01:56:48.800 --> 01:56:55.800]  It's all the people around you. The very day the right to conceal carry went into effect in Dallas.
[01:56:55.800 --> 01:57:03.800]  A woman is driving on the north, the Central Expressway, main artery through the middle of Dallas.
[01:57:03.800 --> 01:57:09.800]  He had rushed our traffic and at Lover's Lane, some guy come down off the side.
[01:57:09.800 --> 01:57:18.800]  She had her window open. He reached in, unlocked the door, jerked her car door open, grabbed her by the hair, threw her out in the street.
[01:57:18.800 --> 01:57:24.800]  The guy behind him stepped out and walked him in his tracks.
[01:57:24.800 --> 01:57:28.800]  That's the one you have to worry about.
[01:57:28.800 --> 01:57:31.800]  That's the purpose of conceal carry.
[01:57:31.800 --> 01:57:40.800]  Now, somebody else think about jerking somebody out of the car in the middle of the expressway in Dallas.
[01:57:40.800 --> 01:57:45.800]  They might find themselves in a gunfight.
[01:57:45.800 --> 01:57:50.800]  So that I think is the best deterrent we can have.
[01:57:50.800 --> 01:57:56.800]  The reality is we're not going to get the guns out of the hands of the criminals.
[01:57:56.800 --> 01:57:59.800]  So we should put them in the hands of the good guys.
[01:57:59.800 --> 01:58:01.800]  The criminals lose their advantage.
[01:58:01.800 --> 01:58:03.800]  This is Randy Kelton.
[01:58:03.800 --> 01:58:06.800]  Dear Mr. Steven J. Craig, we live low radio. Thank you for listening.
[01:58:06.800 --> 01:58:12.800]  We will be back tomorrow night with our four hour info marathon.
[01:58:12.800 --> 01:58:18.800]  And I'd like to start by talking about the gun issue and anything else you have on your mind.
[01:58:18.800 --> 01:58:23.800]  Give us a call, ask us some hard questions.
[01:58:23.800 --> 01:58:25.800]  Thank you for listening.
[01:58:25.800 --> 01:58:30.800]  We'll be back tomorrow night. Good night.
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