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August 19, 2024 26 mins
Democrats will make their pitch to voters across the country. California auto insurance rates are skyrocketing. Back to school… freedom at last. It’s time to put some fun in funerals.
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Episode Transcript

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Speaker 1 (00:00):
You're list Saints KFI AM six forty the bill Handle
show on demand on the iHeartRadio f and this is
KFI bill Handle here. It is a Monday morning, August nineteenth,
and a couple of things that we're looking at. Secretary
of State Anthony Blincoln is in Israel pushing for that
last possible cease fire and hopefully it's going to happen.

(00:26):
And then the other big news and this is of
course national news, and this is the about the Democratic
National Convention opening up today. The DNC is here four
days and this is where the demograt Democrats shine. And
the way that all we're going to hear is positive, wonderful, terrific,

(00:50):
accept some personal attacks on President Trump, former President Trump
and JD Vance. So Democrats are going to make their
pitch to voters over the next four days. And this,
I mean, look at the last few weeks. You have
that debate performance which destroyed Biden. You have the assassination attempt,

(01:18):
you have Vice President Kamala Harris rising to the nomination.

Speaker 2 (01:25):
You've got Tim Walls choosing her, the.

Speaker 1 (01:29):
Resignation of Joe Biden. I mean, he goes on and on.
It's been extraordinary So here is the difference. What the
Democrats are pushing, and this is usually the case the future,
how Americans would look at and what the Harris Walls
administration would do to address inflation, the southern border, abortion

(01:50):
rights o the top debates problem is they are going
to have to be a lot on defense. For example,
Republicans attacking the ticket, the Democratic ticket. As Trump said,
the biggest inflation rate going on right now in the history.

Speaker 2 (02:07):
Of the United States. The reality it's under three percent.

Speaker 1 (02:11):
But is that message going to resonate if you tell
enough people enough times, we are in the worst recession
depression than we have ever been. Unemployment is through the roof.
It is not the illegal aliens are stealing all of
your jobs. Not But then you see that how smart

(02:31):
that is because that puts the Democrats on defense. And
what the what the Democrats going to do is try
to put the Republicans on defense, and they can do
that during the convention because no one refutes what they say. Now,
what Trump and Vance are doing, and this is very smart,
is they have their own campaign tour this week and

(02:54):
they're doubling and tripling down on the number of events
in the battle round States so they're.

Speaker 2 (03:02):
Coming to the table. The problem is they haven't yet
figured out what do you do.

Speaker 1 (03:07):
With Kamala Harris because they spent all of their efforts
everything preparing for a run against Biden, and all of
a sudden, now it's Harris and they have to pivot
and they have to figure out what's going to stick.
No one knows what's going to stick. So traditionally, delegates
from all fifty states and the US territories assemble and

(03:29):
choose the party's candidate at the convention.

Speaker 2 (03:33):
Not this year.

Speaker 1 (03:34):
This year Harris has already been chosen. And it was
a roll call. It was a call virtually August fifth.
Why because they had to beat the nominating committees in
the various states, some of the some of the states
had filing deadlines that were after the convention today, and

(03:59):
they had to beat all of them. So they went
way early on the vote. They couldn't get together because
there was no way to put together a convention where
everybody can get hotel rooms and fly and no, it
just wouldn't work. The venue wasn't ready. So what they
did is they voted virtually and you're going to see

(04:19):
four themes, much like the Republicans had theirs at the
convention for the people. Tomorrow's theme is a bold vision
for America's future. Wednesday is a fight for our freedoms,
and Thursday night for our future. Okay, who's going to speak? Well,
they got the big hitters. President Joe Biden is going

(04:40):
to speak tonight. Barack Obama, Bill Clinton are going to
speak on I think tomorrow night. Hillary Clinton is scheduled
to speak. It's the heavy hitters.

Speaker 2 (04:57):
Okay.

Speaker 1 (04:58):
Is Michelle Obama going to speak? She is hugely popular
in the Democratic Party. Looks like she will a little
bit about Chicago, Boy, what a history Chicago has hosting
conventions on both sides of the political aisle. And by
the way, in eighteen thirty two is when the Democratic

(05:18):
Party held its national convention. And a couple of things
about Chicago. Nineteen sixty eight, probably the most I would say,
the most vicious attack by a police force against demonstrators outside.
This was anti Vietnam and the police beat the demonstrators
to a pulp and people were arrested and it was

(05:42):
just crazy. And the police are very very anticipatory and
an anticipatory mode for the convention tonight, there'll be tons
of demonstrators.

Speaker 2 (05:54):
On saying about demonstrating about everything.

Speaker 1 (05:58):
The Palestinians, they're going to demonstrate about abortion rights or
I mean, they're going to just demonstrate and for what.
I don't know how many police people out there. I
heard tens of thousands, and they called in the National Guard.
By the way, the first time the Republicans nominated a
candidate was in eighteen sixty, and that was Abraham Lincoln, who.

Speaker 2 (06:23):
Was a Republican.

Speaker 1 (06:25):
Of course, the Republican Party is a little different than
the Party of Lincoln, even though a lot of people say, so,
what we're going to see is a party that is
now going to tout itself as the future, not saying
we've been through the worst four years that we've ever

(06:45):
had in the history of the United States. You're not
going to see that. You will see things like attack
on democracy. You will see things like well, you'll see
personal attacks. One of them is accusing former President Trump
of lying, I mean, saying things that simply aren't true,
factually aren't true. But it almost doesn't matter because the

(07:07):
big lie works. And if I were a Democratic, if
I were someone of the Democrats would go to let's
say I'm a democratic advisor or a consultant, I'd go
lie your teeth off, lie through your teeth, because that
stuff seems to work. We'll see what happens. We'll be
a reporting on this like crazy. Tomorrow, of course, I'll

(07:29):
be reporting on what happened tonight. The following day, I'll
be reporting on what happened previous night, some fallout, some
instant polls.

Speaker 2 (07:36):
So there's a lot I'm going to talk to you
about now.

Speaker 1 (07:41):
Oh, living in California, this is an easy one. California
is crazy and we've just reached crazy. Also in terms
of auto insurance, it's always it's always been expensive, but
now it is well crazy. Data analyze by the website
in Surify and Assurance Comparison website. So the average cost

(08:05):
of full coverage, I'll talk about that in a minute
in California twenty four hundred and seventeen dollars as June.

Speaker 2 (08:14):
The year before in June it was.

Speaker 1 (08:16):
Sixteen hundred and sixty six dollars. That's an increase of
seven hundred and fifty one bucks. And this year it's
going to continue rising to an estimated two hundred or
two thousand and six eighty one by the end of
the year, and that's another two hundred and sixty four dollars. Now,

(08:37):
full coverage, which is really expensive, includes comprehensive and collision
coverage as well as liability, two kinds of coverage, just liability,
which you can buy, and that covers fifteen thousand dollars
for an occurrence or thirty thousand dollars for multiple urrences

(09:00):
or multiple people. That you've been injured, that's considered that
you've injured, that's considered an occurrence.

Speaker 2 (09:06):
So that's why they call it fifteen thirty.

Speaker 1 (09:08):
Okay, do you know when it was raised to fifteen
thirty nineteen sixty seven, fifty seven years ago. So they passed,
California passes the bill saying fifteen thirty is the minimum insurance,
which in nineteen sixty seven was I mean, it wasn't enormous,
but it covered most accidents except where people really got nailed,

(09:31):
and a lot of people carry minimum insurance fifteen thirty.

Speaker 2 (09:37):
You cannot buy a bumper today for fifteen thousand dollars.
That is the problem.

Speaker 1 (09:45):
If someone is injured, seriously injured, oh boy, you've got
big problems.

Speaker 2 (09:51):
On your hands. If the other side is not insured.

Speaker 1 (09:55):
I get these questions all the time from handle on
the law g Bill.

Speaker 2 (10:00):
I got into a car accident.

Speaker 1 (10:01):
I was severely injured, broken bones, back surgery, my head
was taken off, My arms and legs were lost. The
only thing I am is a torso, and I go,
that's a pretty serious injury. Fair enough, But they don't
have insurance. Wow, well, of course you have a comprehensive

(10:26):
I think the comprehensive twenty five one hundred. The other
side isn't insured.

Speaker 2 (10:31):
You're screwed. You're dead.

Speaker 1 (10:33):
Well, you're not dead, because if you're a torso and
you're still talking to me, you're not quite dead.

Speaker 2 (10:40):
But you know what you need.

Speaker 1 (10:41):
And this is the part that is expensive as hell,
because I wish I were only going to be paying
to twenty six hundred and eighty one dollars, because I
have two hundred and fifty five hundred thousand dollars.

Speaker 2 (10:58):
And an umbrella.

Speaker 1 (10:59):
Policy on top of that, because there is I'm such
a bad driver, there is an excellent chance I'm going
to be taking out a kindergarten class walking across the
cart the crosswalk, and believe me, fifteen point thirty does
not cut it. I just truly believe in insurance, and

(11:20):
people ask me how do I protect myself? Bill insurance
lots of insurance. So you have auto insurers who leave
the state. All State left, I think State Farm left.

Speaker 2 (11:36):
And they came back.

Speaker 1 (11:39):
Why because the way it works in California, go in
front of the insurance commissioner and you say, I need
tons the ability to charge people customers tons more money,
and usually the insurance commissioner says, nah, not really. Well,
the insurance commissioner is letting loose a little bit.

Speaker 2 (12:00):
Right. The belt is opening up, and it has to.

Speaker 1 (12:04):
It has to, unfortunately, and you have to have comprehensive
because the chances of the other side hitting you at fault.

Speaker 2 (12:13):
Is pretty good.

Speaker 1 (12:15):
In California, and they don't have insurance, So you have
to have comprehensive. Uninsured motorists, under insured motorists, theft, fire
happens in your car, any kind of your car gets
hit and you have to repair it. None of that
happens if you don't have comprehensive And unfortunately, it's expensive
and just another reason to live here in California. Home

(12:40):
insurance mine only doubled Carl's Junior a cheeseburger, order of
fries and a medium drink eighteen dollars. Maybe it's time
to move.

Speaker 2 (12:58):
How much you squirrel per pound.

Speaker 1 (13:00):
In Arkansas in the supermarket? I don't even know, but
I'll tell you one thing. It's a lot more expensive
or a lot less expensive there than here.

Speaker 2 (13:11):
Where do you buy squirrel?

Speaker 1 (13:12):
By the way, here, Neil, you're the expert on all
things food.

Speaker 2 (13:17):
I am not an expert on appalasia. Okay, Well you
can buy New Zealand lamb all over the place. Yeah, okay,
just not Arkansas squirrel. All right?

Speaker 1 (13:31):
As I spin off and digress into topics and issues
that have nothing to do with what I'm talking about,
we're going to leave. What's the bottom line? Be prepared
to pay tons and tons of money for auto insurance.

Speaker 2 (13:47):
And you need it.

Speaker 1 (13:48):
It's one of those things you absolutely need, can't live
without it.

Speaker 2 (13:53):
Okay. Back to school. A lot of school districts start today.

Speaker 1 (13:58):
And there is a out of the Atlantic and the
headline is back to school freedom at last.

Speaker 2 (14:05):
Wait a minute, what.

Speaker 1 (14:06):
Do you mean going back to school is freedom? Well,
it is freedom not for the students, for your parents.
That's where the freedom is. And there are studies that
are done that just plays it out one hundred percent
one of them. A twenty sixteen studied estimated that paying

(14:28):
out of pocket for childcare during periods when school our
schools are closed during the workday and on the holiday
periods is sixty six hundred dollars annually.

Speaker 2 (14:41):
That's when schools are closed. Can you imagine? Okay?

Speaker 1 (14:44):
And that's when schools are open. In the days they're closed,
a lot of people pay well, even more money than
they make, which is a lot of reason why parents
stayed home.

Speaker 2 (14:57):
And it goes.

Speaker 1 (15:00):
I mean, what are research recent National Bureau of Economic
Research is a working paper found that school closures may
even drive parents to drink. Places with longer than average
school closures during the pandemic, the antidepressant use by mother's skyrocketed,

(15:22):
went through the roof.

Speaker 2 (15:24):
And school days are getting shorter.

Speaker 1 (15:28):
When I went to school, I don't even remember how
many days, but it's probably ten days less today. School.
It's expensive to set up schools, and it's expensive to
run schools and maintain schools when students are there. And
when schools gradually began to reopen, new antidepressant prescriptions returned

(15:51):
to pre pandemic levels, So you had basically crazy people,
or let's just say people who had Yeah, we're a
little unstable in a couple of ways, and took a
lot of antidepressants as I do. And then you have
the pandemic and that exploded. Now that school is back,

(16:16):
they're back to the same amount of antidepressants they were
during COVID. The authors of this paper, and it's titled
School Closures and Parental Mental Health, concludes that the school system,
in addition to helping children like read and not sign
their name with an X and not producing illiterate people

(16:38):
and coming up with some skill set, as much as
it does for students, they're just starting to discover how.

Speaker 2 (16:47):
Much it does for parents.

Speaker 1 (16:51):
That's where freedom at Last comes in, and the paper
concludes the school system plays an important part in maintaining
population mental health outcomes, helping families cope with stress, which
makes so much sense because your home, your kids are home, you're.

Speaker 2 (17:08):
Working out of your house.

Speaker 1 (17:10):
If you're like me and you hate your family and
have no many friends, no friends at all, there was
absolutely no socialization. Well, let me put it this way,
there was. I just didn't partake. But my kids going
to school. I mean that was everything I've got the

(17:32):
day wrong. Not if they're going to stay at home
and either home learn or even learn at school. And
here is the problem where the most mental health and
most alcohol comes into alcoholism comes into play. The longer

(17:53):
school was out, the worst it got.

Speaker 2 (17:56):
And there were.

Speaker 1 (17:57):
Areas school districts like la Unif that had students out,
which clearly in retrospect was way too long.

Speaker 2 (18:06):
And I'm going to own that one.

Speaker 1 (18:09):
I was fanatic about staying closed because of the health risk,
and there were so many attacks on that position, saying
the health risks for youngsters far less.

Speaker 2 (18:22):
Kids don't die of COVID, or very very few do.

Speaker 1 (18:25):
If you take proper precautions, you still can have kids
in the schoolroom.

Speaker 2 (18:29):
And I said, absolutely not.

Speaker 1 (18:31):
We have to maintain a school at home because of
the fear of spreading COVID.

Speaker 2 (18:40):
I was wrong, You were right. It's that simple. So
the bottom line is, oh, here's another one before we
take a break.

Speaker 1 (18:51):
This all has to do with mothers, by the way,
that are affected the alcoholism, the increase of antide present medication.
Fathers were not affected at all.

Speaker 2 (19:06):
At all. Couple of reasons.

Speaker 1 (19:08):
One father still went to work or mothers who are
home basically take care of kids. Dads don't take care
of kids. More and more they do, but it's moms
who take care of kids and more fathers follow the
path dealing with their kids that I have followed my

(19:28):
entire life having kids and raising kids. And that is, frankly,
my dear, I don't give a damn. Hey, you know
the kids will be fine. The wife, yeah, you suck
it up. I'm happy. I go in the other room,
leave me alone. That has a lot to do with

(19:49):
it too. My kids are still in therapy and will
be probably for the rest of their lives. But that
is I thought that was a fascinating paper mental health.
And the parents actually get more out of school in
many cases than do the kids financially with the daycare. Emotionally,

(20:09):
the socialization is great for the kids. The parents are
affected probably the most.

Speaker 2 (20:15):
Okay, Now, if you've.

Speaker 1 (20:18):
Been listening for any length of time, you know I'm
kind of partial to death stories for some reason. I
just like them, and I've always made fun of and
criticized the way we do death in America.

Speaker 2 (20:31):
We're just not very good at it.

Speaker 1 (20:33):
I'll tell you who handles death well are the Jews
and Muslims. I think it works here. It is twenty
four hours. You throw them in the ground and you
are done. No embalming, no viewing, no open casket. I
understand that it's cultural. I get that, but that's the way,
you know, I want to go. Throw me in the ground.

(20:57):
And funerals are very somber things. I mean, frankly, you've
got the person who is dead sitting in front of everybody,
sometimes open casket. First time I saw a dead person,
everybody in front of me goes, Oh, he's sleeping.

Speaker 2 (21:11):
Oh he's so peaceful. Oh he looks so peaceful. No, no,
he looks dead.

Speaker 1 (21:16):
There is a difference between sleeping and dead, and people
don't seem somehow to recognize it, or they won't talk
about it. So this is a story out of England
New York Times and there's a new business that has
come up and it's called Exit Here. You walk inside

(21:36):
and it sort of looks like a club, a gentleman's club.
That's one of the branches. One of them is it
just looks like a hippie dippy store. Polka dot vases
or vases, vases they really aren't there Earns the box

(21:58):
that you see and it is just really interesting.

Speaker 2 (22:03):
I mean it's.

Speaker 1 (22:04):
Twelve by I mean it's six by two feet, but
it is painted wild colors. That's not to say that
here they don't do that. There are people who get
buried in Dodger blue coffins.

Speaker 2 (22:20):
I mean, really, you go, come on, are you that
much of a Dodger fan? I guess so. And this started.

Speaker 3 (22:26):
I saw I saw a coffin one time. It was
white with gold trim with the painting of the Last
Supper on the side.

Speaker 2 (22:36):
Okay, see that's totally appropriate.

Speaker 1 (22:38):
And I'm sure it costs twelve or fifteen thousand dollars.

Speaker 2 (22:41):
That's the other thing.

Speaker 1 (22:42):
I like, you're watching someone in a fifteen thousand dollars
coffin open and then they go into the ground.

Speaker 2 (22:49):
See.

Speaker 1 (22:50):
I would start a coffin rental business if I had
mind brothers. And that is that everybody actually rents a coffin. Okay,
maybe they change the linen inside, particularly.

Speaker 2 (23:05):
If slightly used slightly use coffin.

Speaker 1 (23:09):
Yeah, and you know, the linen has to be changed
because you don't know when you know the juice is
coming out of someone are going to ruin, the linen
and the stuff underneath the people.

Speaker 2 (23:19):
And so here's what you do.

Speaker 1 (23:20):
You have this really fancy coffin and you bring it out,
and you notice that the coffin doesn't go into the ground.
At American funerals, it stays above. Everybody leaves. And then
you got the workers who are lowering the coffin into
the ground. Of course, they're making death jokes and seeing
what they can do to make.

Speaker 2 (23:39):
Fun of the person that's dead.

Speaker 1 (23:41):
And then you switch them into a cheap cardboard coffin,
throw them in the ground, and you.

Speaker 2 (23:47):
Take the coffin back and you.

Speaker 1 (23:48):
Rent it again cheaper to rent a great return.

Speaker 2 (23:56):
And they should absolutely do that for sure.

Speaker 1 (23:58):
And by the way, lot of people have different different
kinds of these, I guess fun funeral establishments. There is
a place called Sparrow, opened in twenty twenty one.

Speaker 2 (24:14):
You walk in and you think it's a spa.

Speaker 1 (24:18):
Looks like a spa, feels like a spa. Doesn't have
the steam room, but it has all the accouterments. They
have a morgue in the back, but they sort of
really downplay that.

Speaker 2 (24:34):
The systems that we have are very.

Speaker 1 (24:36):
Somber and I have buried both my mother and my father,
and it is a very somber event.

Speaker 2 (24:44):
Now, granted, the.

Speaker 1 (24:46):
People that work in funeral homes and that talk to
loved ones are pretty.

Speaker 2 (24:51):
Good from what I understand.

Speaker 1 (24:54):
They are very gracious, they don't do they don't say
gratuitous things. They're very calm, and then they quietly want
you to spend forty thousand dollars to bury your loved one.
It's fun funerals, let's do it. We have celebrations of life.
For example. You know, here's what I want. I want

(25:17):
a party. I want it catered. I want everybody to
have a good time. I want a poka band and
everybody dances around and do the poka. That is the
way funerals should be had. We just don't do.

Speaker 2 (25:33):
We don't do. In the Irish right, they bring the
guy or.

Speaker 1 (25:37):
The woman in a coffin on a couple of saw
horses in the middle of the living room. Everybody dances around,
gets plastered and says either wonderful or horrible things about
the deceased.

Speaker 2 (25:50):
Yeah, and I wish we just did it better, and
we don't.

Speaker 1 (25:53):
But we're gonna get there. I think we're gonna get there.
Because that's the move in that direction. I've done, matter of.

Speaker 2 (25:59):
Fact, I and it. Can I do a podcast on that?
I think I did.

Speaker 1 (26:02):
There's a podcast that I have on exactly that topic.

Speaker 2 (26:08):
You know, death around the world.

Speaker 1 (26:09):
All right, kf I am six forty Live everywhere on
the iHeartRadio app.

Speaker 2 (26:14):
You've been listening to the Bill Handle Show.

Speaker 1 (26:15):
Catch my show Monday through Friday six am to nine am,
and anytime on demand on the iHeartRadio app.

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