July 7, 2024 • 29 mins
With the 4th of the July holiday in the rear view, some are already thinking about getting a jump on holiday shopping and avoiding the last minute rush. Scott Fitzgerald found some folks who want to help you with that AND maybe find ways to save you some extra cash! It's all in this week's "Kentucky Focus"!
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(00:02):
I'm Scott vince Gerald. Coming upon this week's Kentucky Focus. It's twenty
twenty four and we're all looking tosave a dollar or two, right,
Well, there are some folks outthere that want to help you do just
that. And saving isn't an issueand you want to spend some money,
We've got a new approach for youthere as well. Was the Supreme Court
takes on non political cases. Theycould affect your social media use add much
(00:23):
more. Coming up on this week'sKentucky Focus. Welcome to Kentucky Focus on
the Kentucky News Network, the showthat looks at issues affecting the Commonwealth and
its citizens. We cover state politics, in history, human interest stories,
sports, and even entertainment. It'sKentucky Focus on kNN. For over a
(00:44):
century, local broadcasting has evolved withthe needs of the community. We move
past the stigmas of opinion journalism andbring the most relevant news on air,
online and on the go. Trustedus with your news, sports, weather,
and entertainment. Trust us to keepmoving with you. Text radio to
(01:07):
five two eight eight six and tellCongress local broadcasting is here to stay.
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and Prevention. We're all out tosave somebody, and to help us do
(03:16):
that, the good folks at AARPare out with their latest bulletin, ninety
nine Great Ways to Save, Joiningus with a previews. Deputy editor of
AARP Bulletin and AARP the magazine's DavidBrindley, whose work includes managing editor with
National Geographic and Personal Finance reporter forUS News and World Report. HUT David,
(03:38):
thanks for joining us, Hie Scott, thanks so much for having me
on your program. Really appreciate it, you bet. So. How did
we come up with ninety nine greatways to say? Well, you know,
we love to help our readers savemoney, and this is the fifteenth
year we've done ninety nine great waysto save and we always hear from readers
how much they really appreciate it,and so this year, with inflation still
(03:58):
stubbornly hanging on, we offer ninetynine tips for our readers to get the
biggest bang from their buckn iLINK did'swhat everybody's looking for, David. One
of the interesting things you've at leastgot my interest. You talk about how
you can save money by retiming yourhome improvement in sharing services with neighbors.
What does that involved? Sure,so let's start with home improvement projects.
(04:19):
You know now is a really busytime for contractors, but if you can,
you might want to consider saving waitinguntil winter to start that home improvement
project. Not only will you getthe full attention of the contractor, but
because they're really hungry looking for work, they will likely give you a discount
as well. And we also recommendfor people to team up with your neighbors
(04:43):
on regular yard maintenance. So ifyou hire the same landscaper, that company
can come to your neighborhood service allyour loans at the same time. You
know they're likely to pass on somesavings as well. Those are great points.
Deputy editor of AARP Bulletin and aaRP the magazines, David Brinley joins
us throughout with their ninety nine GreatWays to Save trying to save us a
(05:04):
bunk or two, and we canall do that in twenty twenty four,
that's for sure, David. Sohere's one that has my interest and I'm
dying here what you have to sayabout this? Why shouldn't I shop for
clothes when I'm hungry? Oh?So, this one's strange, but it's
true. You know, it's notjust grocery shopping you should avoid when you're
starving. We found several studies thathave shown that hungry shoppers are more likely
(05:27):
to make impulse buys on clothes aswell. So before you head out,
have a snack or a meal,and you know, avoid getting something that
you're not really don't necessarily need.This is where I really want to pick
your brain because my wife and Ihave come across this a couple of times.
Can you really tap your four ohone K for emergencies? Absolutely?
(05:48):
I don't see this tip often,but if you're in a pinch, you
can tap your retirement savings up toone thousand dollars a year. You can
tap your four oh one K oryour IRA without having to pay the usual
ten percent penalty for those younger thanfifty nine and a half years. But
there's a caveat that as long asthe money is needed for emergency and so
(06:10):
this is a better option rather thantaking out a loan or putting it on
your credit card, which has reallyhigh interest rates. David Brinley joining us
some great advice. He as deputyeditor of the AARP Bulletin and the AARP
the magazine's ninety nine great ways youcan save. And we're talking about saving
a buck or too. And Okay, David, I do a lot of
it. I just did some thismorning. I want to do some more.
(06:32):
I love online shopping. Where canI find some of the best deals.
We all love online shopping, butwe found that about one in three
major retailers have an app that oftenoffers extra discounts and benefits. So we
recommend downloading those apps, putting themin a folder, and before you do
any kind of shopping online, checkfor the latest discounts the latest money saving
(06:53):
tips from these major retailers. Onething I also love too, David,
I have discovered the beauty of placeslike Goodwill. I have gotten so many
almost brand new clothes from Goodwill atprices I never thought I would be able
to afford. But there are otherplaces you can get used materials too.
What are some of the best buy, best items to buy that are used
(07:15):
going online shopping, We found thatyou can get a lot of really great
discounts on used sporting goods. Sofor example, a bike we found was
listed for six hundred and fifty dollars. The original price was twelve hundred dollars,
so that's almost a fifty percent savings. You can look for other sporting
goods like kayaks or maybe even someof these electric scooters that everyone is using
(07:36):
nowadays. Age David Brinley joining usfrom ARP fantastic publication. Strongly encourage We'll
link it on our website. Yougo find it yourself. Ninety nine great
ways to save? And David,what are some of the personal finance tips
that people can find in the bulletinmaybe help them outside of just buying something?
How about saving some money? Well? Sure, you know, I
(07:58):
recommend upgrading your bank savings counts ifyou haven't already. So if your banks
is still paying one percent or less, switch now while you can find rates
of four to five percent. Andso, for example, on a ten
thousand dollars balance at the end ofthe year, at five percent, you'll
take home five hundred dollars as opposedto just one hundred dollars on one percent.
(08:20):
So, like we said, thisis just a bigger bang for your
buck. And now, David,where can folks go they want to find
this ninety nine ways to save.It's a lot for us to try to
encapsulate in a few minutes we havetogether. But if folks want to look
at this and really kind of diveheadfirst into this, where can they go?
Yeah, go to our website.We also have twenty additional tips that
are online only. Generally long storyshort, David always seem to hear about
(08:45):
at least in our business, andI'm constantly on our folks to Okay,
guys, we understand this guy isnot exactly falling. It's not lessen with
inflation. But what you're saying isthe good folks at AARP have gone out
of their way. They've found someways we can save money, and you
really can save money if you're outthere looking. Absolutely our readers really do
this, really love this edition.This is the fifteenth time we've done this,
(09:07):
and I just really love helping ourreaders save money. All right,
Well, David Brinley, you arecertainly well, you're welcome. We'll put
it that way, because I knoweverybody's wanting to save some money, that's
for sure. You are the deputyeditor. It is the AARP Bulletin and
the AARP the magazines. David Brinleyjoining us with some tips on how to
(09:28):
save some money. David, thankyou so much, Thanks so much for
having me. Scott really appreciate it. Again. The website is AARP dot
org. Forward slash money for someof the best ways to find good deals
coming up. The Supreme Court dominatedthe news this week, but not all
of it was political. I'm ScottFitzgerald. We'll take a look. You're
listening to Kentucky folcus. All right, son, time to put out this
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Scott Fitzgerald. This week, theSpring Court took up two cases involving social
media and their ability to remove content. ABC News Technology reporter Mike Debowski joins
(12:00):
us with a look at what thismeans for you, and I thank you
Mike for taking time to join us. Tell us exactly what happened here.
Back in twenty twenty one, bothTexas and Florida passed kind of similar laws.
Now, of course, there aredifferences here, but the broad strokes
are that these laws looked to makeit harder for social media companies like Facebook
(12:20):
and YouTube and TikTok, make itharder for those companies to remove content on
their platforms. And these are twocases that were two laws. I should
say that we're sort of championed bymainly Republican sources who were angry that the
social media companies were removing primarily Republicanvoices in their mind, and that's why
(12:43):
these laws were passed. However,both were challenged pretty quickly after they went
into effect. In Texas, thelaw was upheld by the Eleventh by the
Fifth Circuit Court. In Florida,it was struck down by the Eleventh Circuit
Court, and this created a divisionin the law that the Supreme Court had
to rule on. Although the SupremeCourt did not rule on the merits of
(13:05):
the case here. Instead, theyvacated both of these appeals Court's decisions in
these two cases, which are calledMoody versus Net Choice and Net Choice versus
Paxton. That means that Scotus essentiallykicked this decision back down to lower courts.
So where do we go from here? So now the courts have to
basically go back to square one.And the way the Supreme Court sort of
(13:28):
phrased this ruling is that essentially theydidn't do enough homework here. The challenges
to these laws look to throw themout in their entirety right. However,
the Supreme Court, and specifically JusticeElena Kagan, who authored the majority opinion
this was a unanimous decision, saidthat each court must evaluate the full scope
(13:50):
of the law's coverage. How doesthe implementation of this law impact things that
they had not examined. Specifically,these challenges really focused on things like the
Facebook feed and the YouTube front page, what are known as curated feeds.
Supreme Court says, all right,that's that's a fine argument, although they
did sort of drop some hints thatit was perhaps unconstitutional as the law stands
(14:15):
now. But they said, beforewe issue this broader ruling, you guys
have to go back and examine howthis applies to things beyond the main curated
feeds, things like direct messages orpeople's you know, profile pages and that
type of thing, essentially saying,you know, come back to us when
you've done all your homework again.We're talking to ABC News technology reporter Mike
(14:37):
Deboski, and by a couple ofcases the Supreme Court took up. But
we're non political in nature, andso I guess, Mike, it all
comes down to the question of ourprivate entities protected by the First Amendment to
effectively take down posts on their ownplatforms. It's a really fundamental question facing
social media companies. Can the governmentcompel a social media company to host speech
(14:58):
that that company doesn't want to host. If somebody posts something that violates their
rules, is it illegal to takeit down if that post is valuable in
other ways politically or elsewhere, oris that a violation of the company's First
Amendment rights? And the Supreme Courtdid sort of give some clues as to
(15:18):
where it's leaning, despite the factthat this was not a decision overall on
how these laws are going to beimplemented, if they are going to be
struck down or otherwise. They saidin this opinion that these social media companies
essentially act as traditional publishers and editors, like a newspaper, that even though
the content that they're serving to youcomes from other people, the amalgamation of
(15:41):
all that content becomes something else.It becomes an editorial product, and that
means that it is protected by theFirst Amendment the government. This is a
direct quote. The government cannot getits way just by asserting an interest in
better balancing the marketplace of ideas.In other words, the compilation and curation
of others speech into an expressive productbecomes that company's own specific editorial thing that
(16:06):
is protected by the First Amendments.Well, it's question that will continue to
be tossed around. I'm sure.Thank you again to ABC News Technology reporter
Mike Debowski, who will continue todevolve this story for sure coming out.
Despite what'd you hear about inflation,more of us plan to spend over our
summer shopping season, but we stillwant to find the right deal. We'll
talk with some folks who think theyhave the answer. I'm Scott Fitzgerald,
(16:27):
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(17:33):
Well, summer shopping is in fullswing, but can be confusing and sometimes
overwhelming if you don't know what you'relooking for. Joining us with some helpful
advice for getting around the shopping worldis jeredy Menda, Google Technology expert,
Hid Jaredy. How are you hi? Am good? How are you very
good? Thank you? So whatare we seeing when it comes to summer
trends in summer shoppers? So asseeing a lot of people are really excited
(17:56):
the Fourth of July sales. Infact, we've seen such intro for Fourth
of July tool sales, sofa sales, and more. We're also seeing people
interested in deals for smart TVs,TV monitors, et cetera. And so
we announced recently a new updated dealsdestination. So if you go on Google
and search shop deals, you'll beable to see a range of deals in
(18:18):
markdowns on everything from electronics to outdoortools, apparel, and even that lego
set for your kids. Charity Mendajoining us now, Google Technology expert talking
about some summer shopping and it's infull swing. And you said for the
fourth of July charity. How longdo these deals usually last? Do they
last past the Fourth of July holiday? Well, typically we see retailers do
(18:41):
deals and sales throughout the month ofJuly. In fact, we see that
the search is for deals typically spikesin the second four week of July for
the past two years, and actuallysearch interest in deals surpasses searches for vacations
during the second four week of July. So July is the hot month if
you're looking for a bargain. Yeah, you get almost get some early Christmas.
(19:03):
It literally is Christmas in July ifyou want to knock it out.
Jeredy Mende joining us now Google technologyexpert. Google is out with a great
tool for helping you find that betterdeal. Charity. And when we're looking
at discounts and deals, how muchare we looking at here? Is it
pretty significant? Is it Black Fridaytype or what do we know? Well,
we find that people are shopping fordeals in the summer more than ever.
(19:25):
It's one of the most popular timesto actually shop for a deal.
We did a survey recently with Episodeswhere we found that twenty percent of shoppers
are motivated to shop during this periodbecause they're getting ready for their holiday shopping.
We also found that shoppers are typicallymotivated to shop in this period because
an item they've been looking for isfinally on sale, so it's a really
(19:48):
great time to engage in the salesand look for that long loved item.
One of the tools you can actuallyuse from Google is a price insights tool
and a price tracking tool. Sosay, for example, you've got that
Nintendo Switch on your Christmas list forsomeone in your family, and you want
to track the price to know exactlywhen to swipe when it's at a good
(20:11):
price. You can set that upand get email alerts right in your inbox.
Also, you can use our priceinsights tool to see typically whether the
price is typical high or low.We found in our survey actually that around
seventy three percent of shoppers would bemore likely to purchase something if they could
see whether the price is typical highor low. So that tool is really
(20:34):
really helpful if you're not ready topest to go ahead and purchase in the
sales, but you want to monitorthe price for something that you're looking for
for the holidays. Oh great,We're talking with Charity Menda. She is
a Google technology expert, and theyhave a great tool that is for helping
you find that good deal. Ifyou want to do your Christmas shopping in
July, as Charity was saying,Charity again, how do folks get in
(20:56):
say they want to give this arun, they want to give it a
trial, and how do they dothis? Do we have to do something
special to our browser? Well?No, if you just go on Google
and search shop deals, you canget started with that. If you're also
looking for something already on the web, you can click through a product and
set up that, you know,price alerts right in your and get it
right in your inbox as long asyou're signed in. All these helpful features
(21:18):
come right into your Google account ifyou are signed in, and you can
access them. But even if you'reyou know, browsing on a private browser
or anything like that, you cansee the deal's destination and see what's you
know, trending shopping wise on Google. And forgive me if you mentioned this
before, Charity, I just wantto reiterate for the benefit of our listeners.
Let's say I'm a Best Buy youknow, club member, however they
(21:40):
do that, Can I see otherclub pricing that's out there as well?
Yes you can. So. Oneof the new tools we announced with the
Summer deals period is around the averageAmerican has around seventeen memberships or loyalty programs
that they're balancing on average, andso that's a lot to manage, and
sometimes you don't know whether you're gettingthe best deal, or you take several
(22:00):
tabs to compare what you're looking for. We've made that process super simple on
Google. If you click a productthat you're interested in. Again, let's
say it's that mini projector or thatflat screen TV that you've been looking at,
you can click through it and youwill see member pricing where available from
places like best Buy, Minted,and even Petco to compare across the different
(22:22):
prices, whether it's the average retailprice, the membership price, or a
discounted price that is available on theweb. And sometimes you don't even have
to be a member of any ofthese, so if you're thinking about becoming
a member, it's also easy tosee what price difference you're getting across these
different retailers. And last question foryou, Charity mended joining us again,
(22:44):
Google Technology Expert. I'm finding thatsummer deal as you maybe want to get
a jump start on your Christmas shoppingCharity, this service is good all the
way up until Christmas, right,Yeah, so we have this deals destination,
which is live now for the summershopping season. We also usually have
it up around the deal's buying processwhen it comes to holiday, so it
(23:04):
typically pops up around those big periods. But you can always utilize products like
our price tracking throughout the year aswell as the price insights throughout the year,
and membership pricing is available. Itjust launched and you can see it
at any point this year, toooutstanding. So we just go to Google
dot Com and inner deals Correct Correct, shop Deals, Beauty Charity Menda,
(23:27):
Google Technology Expert. Thank you foryour time, Charity, have a great
summer. Thank you too. Happyforward. While we're talking about saving money,
CBS News Senior Business analyst Jill Slessingerhas some timely advice for saving money
this summer, and it starts withlooking at where the little things are going
in your budget. So the firstthing we're going to do is we're going
to review all of our subscriptions.Yeah you are. You're going to admit
(23:48):
it. You clicked on something,you have something that is renewing, you
got something for free for thirty days, and then all of a sudden,
you're going to look at your Apple, pay your Google Pay. You're gonna
look at your credit card bill andyou're gonna say, wait, what,
how do I have bridge box?So I really have to point out that
we all do this okay, andjust cancel the unwanted ones. Great.
(24:10):
The next thing you can do,just while you're clicking around is look at
your bank account. Do you havesome extra money in there? Have you
not taken advantage of higher interest rates? Because a lot of the big banks
do not pay great rates. Soyou actually have to do something. You
have to go move some money intoa CD, some money into your brokerage
account. Maybe you've got to movesome money into a high yield savings account.
(24:32):
You can do this all online.But instead of earning less than one
percent, which by the way,there are millions of dollars still earning less
than one percent right now, canmove that and earn more like four percent.
Seems like a pretty easy thing todo, so check that out.
Another options you'll suggest is looking atyour insurance policy. Did you get your
homeowner's insurance or your auto insurance renewal? I just think that that is such
(24:52):
a massive bill that we all absorb, you know, and so how can
we reduce that well, the bigcompanies, what they love is inertiut they
love that we're human beings are like, oh, what ever, I'm going
to renew it? I can't deal. But it's actually a lot easier to
find cheaper insurance out in the universe. And one easy way to do it
is that you can maybe bundle yourcoverage, like your auto and your homeowners
(25:15):
or your auto and your renter's insurance. But you should also find out if
there are ways to qualify for adiscount a security system. Maybe maybe if
you do have extra money in yourbank account, you say, I'll pay
for a full year first of premiumversus monthly. Maybe you'll be like my
mom, Missus Lessinger takes a defensivedriving class every year. I mean,
it's a tiny bit of money,but you know, honestly, if you
(25:36):
are looking at saving money, that'sa pretty easy way to save some money.
If you have an old car.You know, maybe someone like you
or me, I have an oldcar. You drop the collision or the
end or the comprehensive coverage on thisolder car, and you know, you
just you want to say, like, okay, is what's my car really
worth? Why am I paying forthis for this insurance that I may not
(25:57):
saying everybody can do this, butI may not need. So there I
have all the links on the onmy website at jillinmoney dot com, because
you can look up the value ofyour car at Kelly Bluebook and you can
just say like, well wait,I'm paying for something. Who cares if
my car got totaled it It's likethe coverage is not worth it so important
to figure that out. For moreinformation, visit Jill onmoney dot com and
(26:18):
stream Jill on Money Sunday morning startingat ten am at WHS dot com.
I'm Scott Fitzgeralden you're listening to KentuckyFocus. We're back to wrap things up
after this. We stand on theshoulders of the women who came before us,
women who were told they were badwith money, women who couldn't even
get a credit card without a manco signing, women who fought for their
(26:41):
own financial futures. And now it'sour turn to lead the way. Join
us at we Say Save it dotorg, where women of all ages and
all budgets are learning how to savefor retirement. You work hard, you
make money, Now make that moneywork for you. Invest in yourself at
wesaysave it dot Org from ARP andthe Ad Council. That's a wrap on
(27:03):
this week's edition of Kentucky Focus.A special thank you to AARP Deputy editor
David Brindley for sharing with us ninetynine great ways to save. For more
information, simply visit AARP dot orgforward slash money. Also thank you to
ABC News technology reporter Mike Debowski,who reminds us we're still in chartered territory
when it comes to social media.Also a big thank you to Charity Mende
(27:27):
Google Technology Experts. It's got somegreat ways we can track some summer shopping.
Of course, just visit Google dotcom and it's or deals. And
as always, thank you to CBSNews Senior Business Analyst Jill Slessinger, who
again you can stream at whas dotcom each Sunday morning learning it to am
For all of us here at KentuckyFocus and the Kentucky News Network, I'm
(27:48):
Scott Fitzgerald saying, make it asafe and happy holiday weekend. Talk to
you next time on Kentucky Focus.Kentucky Focus on the Kentucky News Network,
the show that looks at issues affectingthe Commonwealth. And it's citizens. We
cover state politics, in history,human interest stories, sports, and even
entertainment. It's Kentucky focus on kNN. You let him try vialin because you
(28:15):
love him, and if you lovehim that much, love him enough to
make sure he's buckled up and inthe back seat. Find out more at
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Traffic Safety Administration and the AD Council. It was a normal day. He
was in some minor accident, offenderbender, and I had this impulse to
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(29:18):
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I'm Scott vince Gerald. Coming upon this week's Kentucky Focus. It's twenty
twenty four and we're all looking tosave a dollar or two, right,
Well, there are some folks outthere that want to help you do just
that. And saving isn't an issueand you want to spend some money,
We've got a new approach for youthere as well. Was the Supreme Court
takes on non political cases. Theycould affect your social media use add much
(00:23):
more. Coming up on this week'sKentucky Focus. Welcome to Kentucky Focus on
the Kentucky News Network, the showthat looks at issues affecting the Commonwealth and
its citizens. We cover state politics, in history, human interest stories,
sports, and even entertainment. It'sKentucky Focus on kNN. For over a
(00:44):
century, local broadcasting has evolved withthe needs of the community. We move
past the stigmas of opinion journalism andbring the most relevant news on air,
online and on the go. Trustedus with your news, sports, weather,
and entertainment. Trust us to keepmoving with you. Text radio to
(01:07):
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and Prevention. We're all out tosave somebody, and to help us do
(03:16):
that, the good folks at AARPare out with their latest bulletin, ninety
nine Great Ways to Save, Joiningus with a previews. Deputy editor of
AARP Bulletin and AARP the magazine's DavidBrindley, whose work includes managing editor with
National Geographic and Personal Finance reporter forUS News and World Report. HUT David,
(03:38):
thanks for joining us, Hie Scott, thanks so much for having me
on your program. Really appreciate it, you bet. So. How did
we come up with ninety nine greatways to say? Well, you know,
we love to help our readers savemoney, and this is the fifteenth
year we've done ninety nine great waysto save and we always hear from readers
how much they really appreciate it,and so this year, with inflation still
(03:58):
stubbornly hanging on, we offer ninetynine tips for our readers to get the
biggest bang from their buckn iLINK did'swhat everybody's looking for, David. One
of the interesting things you've at leastgot my interest. You talk about how
you can save money by retiming yourhome improvement in sharing services with neighbors.
What does that involved? Sure,so let's start with home improvement projects.
(04:19):
You know now is a really busytime for contractors, but if you can,
you might want to consider saving waitinguntil winter to start that home improvement
project. Not only will you getthe full attention of the contractor, but
because they're really hungry looking for work, they will likely give you a discount
as well. And we also recommendfor people to team up with your neighbors
(04:43):
on regular yard maintenance. So ifyou hire the same landscaper, that company
can come to your neighborhood service allyour loans at the same time. You
know they're likely to pass on somesavings as well. Those are great points.
Deputy editor of AARP Bulletin and aaRP the magazines, David Brinley joins
us throughout with their ninety nine GreatWays to Save trying to save us a
(05:04):
bunk or two, and we canall do that in twenty twenty four,
that's for sure, David. Sohere's one that has my interest and I'm
dying here what you have to sayabout this? Why shouldn't I shop for
clothes when I'm hungry? Oh?So, this one's strange, but it's
true. You know, it's notjust grocery shopping you should avoid when you're
starving. We found several studies thathave shown that hungry shoppers are more likely
(05:27):
to make impulse buys on clothes aswell. So before you head out,
have a snack or a meal,and you know, avoid getting something that
you're not really don't necessarily need.This is where I really want to pick
your brain because my wife and Ihave come across this a couple of times.
Can you really tap your four ohone K for emergencies? Absolutely?
(05:48):
I don't see this tip often,but if you're in a pinch, you
can tap your retirement savings up toone thousand dollars a year. You can
tap your four oh one K oryour IRA without having to pay the usual
ten percent penalty for those younger thanfifty nine and a half years. But
there's a caveat that as long asthe money is needed for emergency and so
(06:10):
this is a better option rather thantaking out a loan or putting it on
your credit card, which has reallyhigh interest rates. David Brinley joining us
some great advice. He as deputyeditor of the AARP Bulletin and the AARP
the magazine's ninety nine great ways youcan save. And we're talking about saving
a buck or too. And Okay, David, I do a lot of
it. I just did some thismorning. I want to do some more.
(06:32):
I love online shopping. Where canI find some of the best deals.
We all love online shopping, butwe found that about one in three
major retailers have an app that oftenoffers extra discounts and benefits. So we
recommend downloading those apps, putting themin a folder, and before you do
any kind of shopping online, checkfor the latest discounts the latest money saving
(06:53):
tips from these major retailers. Onething I also love too, David,
I have discovered the beauty of placeslike Goodwill. I have gotten so many
almost brand new clothes from Goodwill atprices I never thought I would be able
to afford. But there are otherplaces you can get used materials too.
What are some of the best buy, best items to buy that are used
(07:15):
going online shopping, We found thatyou can get a lot of really great
discounts on used sporting goods. Sofor example, a bike we found was
listed for six hundred and fifty dollars. The original price was twelve hundred dollars,
so that's almost a fifty percent savings. You can look for other sporting
goods like kayaks or maybe even someof these electric scooters that everyone is using
(07:36):
nowadays. Age David Brinley joining usfrom ARP fantastic publication. Strongly encourage We'll
link it on our website. Yougo find it yourself. Ninety nine great
ways to save? And David,what are some of the personal finance tips
that people can find in the bulletinmaybe help them outside of just buying something?
How about saving some money? Well? Sure, you know, I
(07:58):
recommend upgrading your bank savings counts ifyou haven't already. So if your banks
is still paying one percent or less, switch now while you can find rates
of four to five percent. Andso, for example, on a ten
thousand dollars balance at the end ofthe year, at five percent, you'll
take home five hundred dollars as opposedto just one hundred dollars on one percent.
(08:20):
So, like we said, thisis just a bigger bang for your
buck. And now, David,where can folks go they want to find
this ninety nine ways to save.It's a lot for us to try to
encapsulate in a few minutes we havetogether. But if folks want to look
at this and really kind of diveheadfirst into this, where can they go?
Yeah, go to our website.We also have twenty additional tips that
are online only. Generally long storyshort, David always seem to hear about
(08:45):
at least in our business, andI'm constantly on our folks to Okay,
guys, we understand this guy isnot exactly falling. It's not lessen with
inflation. But what you're saying isthe good folks at AARP have gone out
of their way. They've found someways we can save money, and you
really can save money if you're outthere looking. Absolutely our readers really do
this, really love this edition.This is the fifteenth time we've done this,
(09:07):
and I just really love helping ourreaders save money. All right,
Well, David Brinley, you arecertainly well, you're welcome. We'll put
it that way, because I knoweverybody's wanting to save some money, that's
for sure. You are the deputyeditor. It is the AARP Bulletin and
the AARP the magazines. David Brinleyjoining us with some tips on how to
(09:28):
save some money. David, thankyou so much, Thanks so much for
having me. Scott really appreciate it. Again. The website is AARP dot
org. Forward slash money for someof the best ways to find good deals
coming up. The Supreme Court dominatedthe news this week, but not all
of it was political. I'm ScottFitzgerald. We'll take a look. You're
listening to Kentucky folcus. All right, son, time to put out this
(09:50):
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Okay? What's first? Smokey Bearsaid too, first drounder with a
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Learn more at getmflu shot dot org. Brett to you by the ama CDC
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and the AD Council. Uh ohbrah, that's buzzed. Oh yeah,
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message from NITZA and the AD Council. Em welcome back to Kentucky focus sign
Scott Fitzgerald. This week, theSpring Court took up two cases involving social
media and their ability to remove content. ABC News Technology reporter Mike Debowski joins
(12:00):
us with a look at what thismeans for you, and I thank you
Mike for taking time to join us. Tell us exactly what happened here.
Back in twenty twenty one, bothTexas and Florida passed kind of similar laws.
Now, of course, there aredifferences here, but the broad strokes
are that these laws looked to makeit harder for social media companies like Facebook
(12:20):
and YouTube and TikTok, make itharder for those companies to remove content on
their platforms. And these are twocases that were two laws. I should
say that we're sort of championed bymainly Republican sources who were angry that the
social media companies were removing primarily Republicanvoices in their mind, and that's why
(12:43):
these laws were passed. However,both were challenged pretty quickly after they went
into effect. In Texas, thelaw was upheld by the Eleventh by the
Fifth Circuit Court. In Florida,it was struck down by the Eleventh Circuit
Court, and this created a divisionin the law that the Supreme Court had
to rule on. Although the SupremeCourt did not rule on the merits of
(13:05):
the case here. Instead, theyvacated both of these appeals Court's decisions in
these two cases, which are calledMoody versus Net Choice and Net Choice versus
Paxton. That means that Scotus essentiallykicked this decision back down to lower courts.
So where do we go from here? So now the courts have to
basically go back to square one.And the way the Supreme Court sort of
(13:28):
phrased this ruling is that essentially theydidn't do enough homework here. The challenges
to these laws look to throw themout in their entirety right. However,
the Supreme Court, and specifically JusticeElena Kagan, who authored the majority opinion
this was a unanimous decision, saidthat each court must evaluate the full scope
(13:50):
of the law's coverage. How doesthe implementation of this law impact things that
they had not examined. Specifically,these challenges really focused on things like the
Facebook feed and the YouTube front page, what are known as curated feeds.
Supreme Court says, all right,that's that's a fine argument, although they
did sort of drop some hints thatit was perhaps unconstitutional as the law stands
(14:15):
now. But they said, beforewe issue this broader ruling, you guys
have to go back and examine howthis applies to things beyond the main curated
feeds, things like direct messages orpeople's you know, profile pages and that
type of thing, essentially saying,you know, come back to us when
you've done all your homework again.We're talking to ABC News technology reporter Mike
(14:37):
Deboski, and by a couple ofcases the Supreme Court took up. But
we're non political in nature, andso I guess, Mike, it all
comes down to the question of ourprivate entities protected by the First Amendment to
effectively take down posts on their ownplatforms. It's a really fundamental question facing
social media companies. Can the governmentcompel a social media company to host speech
(14:58):
that that company doesn't want to host. If somebody posts something that violates their
rules, is it illegal to takeit down if that post is valuable in
other ways politically or elsewhere, oris that a violation of the company's First
Amendment rights? And the Supreme Courtdid sort of give some clues as to
(15:18):
where it's leaning, despite the factthat this was not a decision overall on
how these laws are going to beimplemented, if they are going to be
struck down or otherwise. They saidin this opinion that these social media companies
essentially act as traditional publishers and editors, like a newspaper, that even though
the content that they're serving to youcomes from other people, the amalgamation of
(15:41):
all that content becomes something else.It becomes an editorial product, and that
means that it is protected by theFirst Amendment the government. This is a
direct quote. The government cannot getits way just by asserting an interest in
better balancing the marketplace of ideas.In other words, the compilation and curation
of others speech into an expressive productbecomes that company's own specific editorial thing that
(16:06):
is protected by the First Amendments.Well, it's question that will continue to
be tossed around. I'm sure.Thank you again to ABC News Technology reporter
Mike Debowski, who will continue todevolve this story for sure coming out.
Despite what'd you hear about inflation,more of us plan to spend over our
summer shopping season, but we stillwant to find the right deal. We'll
talk with some folks who think theyhave the answer. I'm Scott Fitzgerald,
(16:27):
and you're listening to Kentucky folks talkingto your kids about the dangers of vaping
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(16:47):
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are empowered and truly believe that ifthey can think it, they can do
it. That's dedication. Visit Fatherhooddot Gov to hear more. Brought to
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(17:33):
Well, summer shopping is in fullswing, but can be confusing and sometimes
overwhelming if you don't know what you'relooking for. Joining us with some helpful
advice for getting around the shopping worldis jeredy Menda, Google Technology expert,
Hid Jaredy. How are you hi? Am good? How are you very
good? Thank you? So whatare we seeing when it comes to summer
trends in summer shoppers? So asseeing a lot of people are really excited
(17:56):
the Fourth of July sales. Infact, we've seen such intro for Fourth
of July tool sales, sofa sales, and more. We're also seeing people
interested in deals for smart TVs,TV monitors, et cetera. And so
we announced recently a new updated dealsdestination. So if you go on Google
and search shop deals, you'll beable to see a range of deals in
(18:18):
markdowns on everything from electronics to outdoortools, apparel, and even that lego
set for your kids. Charity Mendajoining us now, Google Technology expert talking
about some summer shopping and it's infull swing. And you said for the
fourth of July charity. How longdo these deals usually last? Do they
last past the Fourth of July holiday? Well, typically we see retailers do
(18:41):
deals and sales throughout the month ofJuly. In fact, we see that
the search is for deals typically spikesin the second four week of July for
the past two years, and actuallysearch interest in deals surpasses searches for vacations
during the second four week of July. So July is the hot month if
you're looking for a bargain. Yeah, you get almost get some early Christmas.
(19:03):
It literally is Christmas in July ifyou want to knock it out.
Jeredy Mende joining us now Google technologyexpert. Google is out with a great
tool for helping you find that betterdeal. Charity. And when we're looking
at discounts and deals, how muchare we looking at here? Is it
pretty significant? Is it Black Fridaytype or what do we know? Well,
we find that people are shopping fordeals in the summer more than ever.
(19:25):
It's one of the most popular timesto actually shop for a deal.
We did a survey recently with Episodeswhere we found that twenty percent of shoppers
are motivated to shop during this periodbecause they're getting ready for their holiday shopping.
We also found that shoppers are typicallymotivated to shop in this period because
an item they've been looking for isfinally on sale, so it's a really
(19:48):
great time to engage in the salesand look for that long loved item.
One of the tools you can actuallyuse from Google is a price insights tool
and a price tracking tool. Sosay, for example, you've got that
Nintendo Switch on your Christmas list forsomeone in your family, and you want
to track the price to know exactlywhen to swipe when it's at a good
(20:11):
price. You can set that upand get email alerts right in your inbox.
Also, you can use our priceinsights tool to see typically whether the
price is typical high or low.We found in our survey actually that around
seventy three percent of shoppers would bemore likely to purchase something if they could
see whether the price is typical highor low. So that tool is really
(20:34):
really helpful if you're not ready topest to go ahead and purchase in the
sales, but you want to monitorthe price for something that you're looking for
for the holidays. Oh great,We're talking with Charity Menda. She is
a Google technology expert, and theyhave a great tool that is for helping
you find that good deal. Ifyou want to do your Christmas shopping in
July, as Charity was saying,Charity again, how do folks get in
(20:56):
say they want to give this arun, they want to give it a
trial, and how do they dothis? Do we have to do something
special to our browser? Well?No, if you just go on Google
and search shop deals, you canget started with that. If you're also
looking for something already on the web, you can click through a product and
set up that, you know,price alerts right in your and get it
right in your inbox as long asyou're signed in. All these helpful features
(21:18):
come right into your Google account ifyou are signed in, and you can
access them. But even if you'reyou know, browsing on a private browser
or anything like that, you cansee the deal's destination and see what's you
know, trending shopping wise on Google. And forgive me if you mentioned this
before, Charity, I just wantto reiterate for the benefit of our listeners.
Let's say I'm a Best Buy youknow, club member, however they
(21:40):
do that, Can I see otherclub pricing that's out there as well?
Yes you can. So. Oneof the new tools we announced with the
Summer deals period is around the averageAmerican has around seventeen memberships or loyalty programs
that they're balancing on average, andso that's a lot to manage, and
sometimes you don't know whether you're gettingthe best deal, or you take several
(22:00):
tabs to compare what you're looking for. We've made that process super simple on
Google. If you click a productthat you're interested in. Again, let's
say it's that mini projector or thatflat screen TV that you've been looking at,
you can click through it and youwill see member pricing where available from
places like best Buy, Minted,and even Petco to compare across the different
(22:22):
prices, whether it's the average retailprice, the membership price, or a
discounted price that is available on theweb. And sometimes you don't even have
to be a member of any ofthese, so if you're thinking about becoming
a member, it's also easy tosee what price difference you're getting across these
different retailers. And last question foryou, Charity mended joining us again,
(22:44):
Google Technology Expert. I'm finding thatsummer deal as you maybe want to get
a jump start on your Christmas shoppingCharity, this service is good all the
way up until Christmas, right,Yeah, so we have this deals destination,
which is live now for the summershopping season. We also usually have
it up around the deal's buying processwhen it comes to holiday, so it
(23:04):
typically pops up around those big periods. But you can always utilize products like
our price tracking throughout the year aswell as the price insights throughout the year,
and membership pricing is available. Itjust launched and you can see it
at any point this year, toooutstanding. So we just go to Google
dot Com and inner deals Correct Correct, shop Deals, Beauty Charity Menda,
(23:27):
Google Technology Expert. Thank you foryour time, Charity, have a great
summer. Thank you too. Happyforward. While we're talking about saving money,
CBS News Senior Business analyst Jill Slessingerhas some timely advice for saving money
this summer, and it starts withlooking at where the little things are going
in your budget. So the firstthing we're going to do is we're going
to review all of our subscriptions.Yeah you are. You're going to admit
(23:48):
it. You clicked on something,you have something that is renewing, you
got something for free for thirty days, and then all of a sudden,
you're going to look at your Apple, pay your Google Pay. You're gonna
look at your credit card bill andyou're gonna say, wait, what,
how do I have bridge box?So I really have to point out that
we all do this okay, andjust cancel the unwanted ones. Great.
(24:10):
The next thing you can do,just while you're clicking around is look at
your bank account. Do you havesome extra money in there? Have you
not taken advantage of higher interest rates? Because a lot of the big banks
do not pay great rates. Soyou actually have to do something. You
have to go move some money intoa CD, some money into your brokerage
account. Maybe you've got to movesome money into a high yield savings account.
(24:32):
You can do this all online.But instead of earning less than one
percent, which by the way,there are millions of dollars still earning less
than one percent right now, canmove that and earn more like four percent.
Seems like a pretty easy thing todo, so check that out.
Another options you'll suggest is looking atyour insurance policy. Did you get your
homeowner's insurance or your auto insurance renewal? I just think that that is such
(24:52):
a massive bill that we all absorb, you know, and so how can
we reduce that well, the bigcompanies, what they love is inertiut they
love that we're human beings are like, oh, what ever, I'm going
to renew it? I can't deal. But it's actually a lot easier to
find cheaper insurance out in the universe. And one easy way to do it
is that you can maybe bundle yourcoverage, like your auto and your homeowners
(25:15):
or your auto and your renter's insurance. But you should also find out if
there are ways to qualify for adiscount a security system. Maybe maybe if
you do have extra money in yourbank account, you say, I'll pay
for a full year first of premiumversus monthly. Maybe you'll be like my
mom, Missus Lessinger takes a defensivedriving class every year. I mean,
it's a tiny bit of money,but you know, honestly, if you
(25:36):
are looking at saving money, that'sa pretty easy way to save some money.
If you have an old car.You know, maybe someone like you
or me, I have an oldcar. You drop the collision or the
end or the comprehensive coverage on thisolder car, and you know, you
just you want to say, like, okay, is what's my car really
worth? Why am I paying forthis for this insurance that I may not
(25:57):
saying everybody can do this, butI may not need. So there I
have all the links on the onmy website at jillinmoney dot com, because
you can look up the value ofyour car at Kelly Bluebook and you can
just say like, well wait,I'm paying for something. Who cares if
my car got totaled it It's likethe coverage is not worth it so important
to figure that out. For moreinformation, visit Jill onmoney dot com and
(26:18):
stream Jill on Money Sunday morning startingat ten am at WHS dot com.
I'm Scott Fitzgeralden you're listening to KentuckyFocus. We're back to wrap things up
after this. We stand on theshoulders of the women who came before us,
women who were told they were badwith money, women who couldn't even
get a credit card without a manco signing, women who fought for their
(26:41):
own financial futures. And now it'sour turn to lead the way. Join
us at we Say Save it dotorg, where women of all ages and
all budgets are learning how to savefor retirement. You work hard, you
make money, Now make that moneywork for you. Invest in yourself at
wesaysave it dot Org from ARP andthe Ad Council. That's a wrap on
(27:03):
this week's edition of Kentucky Focus.A special thank you to AARP Deputy editor
David Brindley for sharing with us ninetynine great ways to save. For more
information, simply visit AARP dot orgforward slash money. Also thank you to
ABC News technology reporter Mike Debowski,who reminds us we're still in chartered territory
when it comes to social media.Also a big thank you to Charity Mende
(27:27):
Google Technology Experts. It's got somegreat ways we can track some summer shopping.
Of course, just visit Google dotcom and it's or deals. And
as always, thank you to CBSNews Senior Business Analyst Jill Slessinger, who
again you can stream at whas dotcom each Sunday morning learning it to am
For all of us here at KentuckyFocus and the Kentucky News Network, I'm
(27:48):
Scott Fitzgerald saying, make it asafe and happy holiday weekend. Talk to
you next time on Kentucky Focus.Kentucky Focus on the Kentucky News Network,
the show that looks at issues affectingthe Commonwealth. And it's citizens. We
cover state politics, in history,human interest stories, sports, and even
entertainment. It's Kentucky focus on kNN. You let him try vialin because you
(28:15):
love him, and if you lovehim that much, love him enough to
make sure he's buckled up and inthe back seat. Find out more at
NHTSA dot gov. Slash the RightSeat brought to you by the National Highway
Traffic Safety Administration and the AD Council. It was a normal day. He
was in some minor accident, offenderbender, and I had this impulse to
(28:36):
call him, but I didn't becauseI thought I could call him later that
week. He abandoned the car,he came home, and he shot himself
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her, they told me that shehad shot herself, and I couldn't believe
(28:56):
it. I asked if he wasokay. Taking a gun into your house
for protection is a terrible myth.Once you pull that trigger, that's it.
There is no coming back. Sixtyseven Americans a day die by gun
suicide. Store your gun securely,locked, unloaded, and away from AMMO.
(29:18):
Help stop suicide. Learn more atendfamilyfire dot org. Brought to you
by Brady and the AD Council
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