December 19, 2024 • 25 mins
Host of “How to Money” on KFI Joel Larsgaard joins the show to discuss homeowners living longer and have more wealth, the memecoin space in crypto, and the best ways to save on travel. U.S weighs ban on Chinese-made router in millions of American homes. Host of ‘Later with Mo Kelly’ on KFI weekdays from 7pm-10pm joins Bill to talk about Superman's latest trailer and Elton John's new documentary movie
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Transcript
Episode Transcript
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Speaker 1 (00:01):
You're listening to Bill Handle on demand from KFI AM
six forty kfby AM six forty Handle here.
Speaker 2 (00:10):
It is a Thursday morning, December nineteenth.
Speaker 1 (00:13):
By the way, today is Handle on the Law.
Speaker 2 (00:17):
Just as I lock out and say goodbye at the
end of this hour, I'll tell you more about that
because I take phone calls off the air and give
you marginal legal advice. Also some of the stories, the
big stories.
Speaker 1 (00:28):
We're looking at.
Speaker 2 (00:30):
The Team Stars union has launched a strike against Amazon
starting today and facilities all over the United States, including California,
New York, Illinois, Georgia. Thousands of Amazon workers have walked
off the job. And so we'll see what happens with that.
And then as we speak, Luigi Mangioni, the suspect in
(00:51):
the killing of Brian Thompson, United Healthcare CEO, is in
court or may be out of court already waiving extradition,
and the judge will order him extradited to New York
where he will probably come tomorrow. How to Money with
Joel lars Guard every Sunday twelve to two pm here
on KFI. He's at how to Money Joel or Social Joel.
(01:16):
Good morning, morn of Bill I did this story sort
of kind of and only factually, and that was the
story between homeowners and renters.
Speaker 1 (01:27):
And not only do homeowners are.
Speaker 2 (01:30):
Worth forty times those of renters mainly because of the
explosion of values, and they have more savings, and they
have more wealth, and they have more health, they live longer.
So should we go out and buy a home because
we're going to live longer?
Speaker 3 (01:49):
Yeah, tomorrow, I think everyone once you got and buy
a home, because Yeah, when you look at these stats,
they're very compelling.
Speaker 1 (01:55):
No, I don't actually believe that.
Speaker 3 (01:57):
I mean, I think when you see this sort of information,
you have to kind of decide, well, is it correlation
or causation?
Speaker 1 (02:03):
What is it? Is it actually that me buying.
Speaker 3 (02:05):
A home tomorrow means I'm going to add six months
to the end of my life. I mean, it's fascinating information,
and especially when you look at the difference in net
worth between renters and homeowners, it's really interesting to see.
But I think it is less about the fact that
owning a home is the fastest best way to build wealth,
because I think especially when we're talking about kind of
(02:26):
what's happening in the housing market right now and the
disparity that's higher than it's been in a quite a
long time between what you're going to pay on the
mortgage what you're.
Speaker 1 (02:34):
Going to pay in rent.
Speaker 3 (02:37):
It just lends renting makes renting seem like a better
idea in a lot of cases. But the key is
what you have to do with the money that you're
saving on what you would have paid owning the home
versus renting. You have to be investing those extra dollars.
And I think that's kind of where people who rent
often fall short, is they take the extra money maybe
that they would have put towards the home, and they're
(02:58):
not investing it. They're they're spending it instead.
Speaker 2 (03:01):
Yeah, and that's always the problem with for example, home
equity loans or any kind of a major loan is
people do not take that money. So let's say you
pay you have a three percent loan on your home.
You refined it during those three percent days, and instead
of investing the money and making five or six percent,
you spent it all and so now you owe the
(03:23):
money and you have no money. And I know people
that did that, which is kind of dumb.
Speaker 1 (03:29):
But yeah, go ahead.
Speaker 3 (03:31):
Well, I just think there's a lot of people who
so it's owning a home is essentially a forced method
of savings, and that can be really helpful working behind
the scenes, and it has been particularly helpful over the
last four or five years. But there's new evidence as
well that we're starting to see supply tick up pretty strongly,
in fact, coming back to like pre pandemic levels and
(03:52):
a bunch of states and I think ten states out
of the fifty, and it's getting closer and closer, like
more and more states are getting back to like pre
pandemic listings. I think as more supply comes on the
line that we're seeing the housing market soften a little bit.
And I don't think like prices are going to fall
dramatically overnight or anything like that.
Speaker 1 (04:10):
But I also think that.
Speaker 3 (04:11):
What's happened over the past four years in the housing market,
don't expect that to replicate. So if you buy a
house today, I'm not saying that you're buying at the top.
Speaker 1 (04:20):
I think you could can still.
Speaker 3 (04:21):
You could still you see your equity increase over the
coming years, but not nearly at the same rate that
we've seen over the past four years. It's kind of
like what goes up must come down or at least plateau,
and so be careful looking at these stats and saying, oh,
I'm going to have forty x to the wealth.
Speaker 1 (04:36):
Oh I'm going to live longer.
Speaker 3 (04:37):
I need to go buy a home, because especially if
it doesn't make sense for you, for your lifestyle and
for your future plans, it could be just a massive
financial time bomb in your life too.
Speaker 2 (04:47):
Yeah, and I just bought a home last year, and
it was at the height of homes are not available,
and so there were not many homes that checked off
the boxes that I needed. I paid top dollar for
the house. It could not have gone higher than what
I paid. It's gone up ten percent in the last year.
(05:12):
I go, how is that possible?
Speaker 3 (05:14):
But you're also probably not assuming that it's probably going
to go up ten percent in value next year, now
year after that. But some people assume that, especially given
kind of what's happened recently, and that assumption could actually
make you poorer instead of realizing that, yeah, homes on
average overtime go upen value roughly three to four percent
a year. Well, the stock market goes up at a
(05:34):
higher clip. And so the key is the force method
of savings. That's what's making people richer on the home front.
It's not the fact that it's a better investment than
owning stocks.
Speaker 2 (05:43):
Yeah, and then a lot of people, you know, fail
to understand how expensive homes are, particularly the upkeep on homes.
Insurance has doubled in my gifts, I mean doubled, literally
one hundred percent higher.
Speaker 1 (05:57):
And taxes, I mean they go up nextorably.
Speaker 2 (06:00):
You know I am because you California, even pop thirteen,
they're going up a per one and a half percent
a year. And if you're paying thousands of dollars, that
becomes real money.
Speaker 1 (06:11):
Yeah.
Speaker 3 (06:11):
It's just such a complicated question. And so much of
whether or not buying a home makes sense comes down
to like individual factors, market factors, and so I just
hesitate to tell anybody, Oh, renting makes the most sense
for everyone, or buying makes the most sense for everyone.
So much of it depends on a whole bunch of
particulars that, like we'd have to wait into in everyone's
(06:32):
personal financial situation.
Speaker 4 (06:33):
All right, before you go back to Joel, because this
is money related. I said this on the air earlier.
Everybody said that I was wrong. I looked it up.
My credit card interest rate is eight point four and yeah,
and I that Premiere America. They are. I've been with
Premier America Credit Union for a bazillion years. I've purchased
(06:56):
cars with them at lower than two percent interest.
Speaker 1 (07:00):
They're amazing.
Speaker 4 (07:02):
And I knew it was low, and you told me no,
it wasn't yeh, I was lying and it's eight point four.
Speaker 1 (07:08):
Well, let's start with you're a liar anyway. I'm not alive.
Yes you are. You are alive, generally you are.
Speaker 2 (07:13):
But I have never heard and Amy back me up
on this, never heard any interest rate anywhere near eight
point four.
Speaker 1 (07:22):
Percent on a credit card.
Speaker 4 (07:23):
I have never We have a couple of different credit
unions and banks that we deal with, including some that
Joel has recommended that are online banks that we love
like ally, and others. But I will tell you that
i've all been Premiere America has treated me great ever
since we've been with them, when they were something else.
Speaker 1 (07:42):
Hey, Joel, we're out of time. Thanks, Sorry into it, Jack.
You called me a liar, and I wanted to clear
my name.
Speaker 2 (07:50):
All right, fart coin, I mean, come on, nice, Well,
I know, seriously.
Speaker 3 (07:56):
I know, right, it's it's utterly ridiculous. Of meme coins
that are coming out. There was there's park Coin, and
it's kind of crazy to think that it's worth something
like five hundred million dollars. Like people are pouring money
into some of these cryptocurrencies that are just being essentially
minted overnight. There was another one too that came out.
There's a someone who just came on the scene as
(08:18):
like a faux celebrity, Haley Welch, and she launched her
own meme coin, and like, everybody buys in and it
goes to the moon and then it crashes back down
and now she's being sued because so many people have
lost money. It's just it's still the wild wild West
in the cryptocurrency space in so many ways, and you
have to be so darn careful. And obviously just something
that's labeled part coin, I mean that she's set off
(08:40):
red alarm, red flags and alarm bells in your head immediately,
Like why would you get into that unless you're like
hoping to like buy quickly, sell quickly and make a
quick buck.
Speaker 2 (08:50):
So let me ask you a question about that, because
the entire concept of the cryptocurrency I've never understood, I
never will understand because there's no there there.
Speaker 1 (09:01):
It's simply people believing there's a there there. So that's
it's beyond me.
Speaker 2 (09:07):
Although if I had bought crypto for literally pennies actually
more bitcoin than a penny when it first came out,
and then he hit one hundred thousand per coin, go
figure that one out. But it's all it almost seems
like the pet rock first guy out, who ever created bitcoin?
(09:28):
That Japanese guy that no one knows who he is,
It hits and all of a sudden, the wannabes are
there and they see success, and oh boy, but there
have been some winners.
Speaker 1 (09:40):
What does that coin? The Efarium? Is that another one
that's out there.
Speaker 3 (09:44):
Yeah, that's another popular one that's had some staying power.
And I think you're right about the kind of faith aspect.
And the truth is like bitcoin at this point has
really has a lot of faith. And when you think
about the overall amount of money that is investing coin
and kind of what's happened with it, and the bullishness
surrounding bitcoin in particular, I do see, like I think
(10:06):
what people have to be careful about is that ninety
nine plus percent of cryptocurrency is one scamming like it's
an attempt to steal your money. And then there are
some that you can that having a little bit of
exposure to might make a little sense. But I think
there's especially younger investors. They see the price go up significantly,
especially in the recent like last month essentially with bitcoin,
(10:29):
and they're saying, ooh, I want in on that.
Speaker 2 (10:31):
Well.
Speaker 3 (10:31):
The trouble is volatility is so extreme in even the
kind of semi legit cryptocurrency space. They have to be
really careful because you might put in a lot of
money that you can't afford to lose. You might see
a significant draw down. And yeah, the market can experience
drawdowns too, but the market has at least enough history
to go on where you can say, oh, a twenty
thirty percent decline, well, this isn't completely abnormal, and then
(10:54):
you know the next five years like this is just
correction territory or something like that.
Speaker 1 (10:57):
But when in the crypto.
Speaker 3 (10:58):
Space, it's really hard to know, you know how much
it could go down, and I think you just can't
invest money that you're not willing to lose.
Speaker 2 (11:06):
You know, you've just described crypto coin as going to
Las Vegas and putting money down on a number at
the rule atte Wheel.
Speaker 1 (11:16):
I mean, I think there's a lot of truth to that.
Speaker 3 (11:18):
I think, given kind of what's happened with Bitcoin in
the way it's set up, I do think bitcoin is
a little bit different. But I also just want people
to I think there's this desire in our country to
get rich quick, to grow your wealth rapidly, and I
think the real way that's time tested is to grow
your wealth slowly over time by just doing the right
(11:40):
thing consistently. And so, yeah, maybe you'll make out like
a bandit. But I've heard from far too many listeners
to my show who have called it and talked about
how much money they've lost betting on some of these cryptocurrencies.
Cryptocurrencies are even kind of going in on some of
the more legitimate cryptocurrencies, and they find themselves in a
worse place later on down the line.
Speaker 2 (12:01):
Yeah, I'm way too conservative, even touched out. Okay, last topic,
and this one was kind of fun. Sharing a bathroom
could dramatically reduce the cost on traveling.
Speaker 1 (12:13):
So is sleeping on the sidewalk.
Speaker 2 (12:15):
Dramatically reduces the cost of traveling.
Speaker 1 (12:18):
Bring your intent and sleeping back. Yeah, who the hell
shares a bathroom when traveling.
Speaker 3 (12:25):
Well, okay, I think it depends on the stage of
life that you're in. Because when I was man, all
the things I would do to save a book on
travel back in the day when I was in my
early and mid twenties were significant. I'd stay in a hostel,
I would bring a tent and a sleeping bag on
a road trip or something.
Speaker 1 (12:41):
Like that and kind of pitch it wherever. Like I
was willing to do that.
Speaker 3 (12:45):
But there's it's interesting, like when you're staying I think
in New York City, right, they just cracked down on airbnbs,
and so now you can only list something on Airbnb
if you are actually staying in the house while you're
renting it out, and so in airbnb if or in
New York, if you want to stay in Airbnb, you
have to share a bathroom with the person who lives there,
with the owner and so. But when this Wall Street
(13:08):
Journal author actually did that and she documented how much
money you could save and it's a significant amount by
staying at one of these airbnbs versus staying at a hotel.
And I know there are trade offs, and not everybody
wants to do this, and they don't love maybe the
lack of privacy, but you might be able to go
for three nights to New York City instead of one
because of how much money you're going to save just
(13:29):
by like sharing a bathroom and maybe getting comfortable with that.
Speaker 1 (13:34):
Yeah, you're not gonna do it.
Speaker 2 (13:36):
No, wou Neil, Neil, would you ever share a bathroom?
Speaker 1 (13:40):
You and I shared about you and I have been
to New York and shared a room. Yeah, and we did,
but those and I got to tell you, the bathroom
situation was really rough.
Speaker 4 (13:48):
It was right after your gastrotestinal surgery.
Speaker 1 (13:53):
It was you. It was rough. No, I agree, it
was rough.
Speaker 2 (13:56):
And then the airplane trip was even rougher for the
people that were sitting So I'm bad.
Speaker 4 (14:00):
I there's certain things, Joel, like saving money is fine,
and I will save money, and then there's other things
that comfort to me is worth the extra bump, and
I think having the privacy. We stayed in New York,
my wife, my boy, and me in July and it
had two bathrooms. The suite had two bathrooms and it
(14:24):
was glorious, but it was not, you know, overly expensive.
Speaker 1 (14:30):
Yeah, sometimes I look at it's just not worth it.
Speaker 2 (14:32):
To even go because it's say, you know, that's my
case when I go to Europe, for example, if I
don't upgrade to business class, I'm not going now. I
through my business, I get a ton of miles, so
I'm able to use miles to upgrade.
Speaker 1 (14:46):
I'm very lucky I can do that. But if it
were different, I wouldn't go. Just wouldn't do it.
Speaker 3 (14:51):
And I get that everyone has different standards and and
but I think for a lot of people out there,
if they're looking at a hotel and then and then
maybe they're like, well, I don't know, gosh, this is
going to be a really expensive vacation. Is there we
might not get to go do some of the things
we want to do on this vacation. Is there a
way that we can save It's at least worth considering
that that may be a cheaper lodging and sharing a
(15:12):
sharing a bathroom or something like that, especially if you're
traveling by yourself. I don't know, it might not be
the worst thing in the world. And for some people
it might be a way to save money, although I
know it's not for everyone.
Speaker 2 (15:21):
No, I mean, and then, by the way, once you
reach a certain age where you no longer want to
do that. Let's say nineteen instead of eighteen. You reach
another point in life. All right, Joe, how.
Speaker 1 (15:36):
Old are you? Joe? By the way, forty? Really you
look so much younger than that.
Speaker 3 (15:41):
Well, thank you?
Speaker 1 (15:42):
Yeah, you do have seventeen kids? Yeah? No, no, I
mean you use one hundred feet tall? Joel? Do you
even shave? I mean you look really young barely man,
I can't grow a beard, that's for sure. Wow, So
you're literally not mid Eastern okay, large guard?
Speaker 2 (15:57):
Yeah, yeah, okay, Joel, thank you. We will catch you
this Sunday, twelve to two right here on KFI. All right, yeah,
take care, all right now before we go to mode.
As you know, TikTok may disappear in a couple of
weeks because national security. Right, that's easy, TikTok disappears. Let
(16:22):
me tell you a company that's not going to disappear,
and that's tp Link. It's a router manufacture that is
based in China and has sixty five percent of the
US market for routers, sixty five percent for homes and
small businesses. I mean that is a lot. And here's
what the government is saying. Hey, they are so susceptible
(16:45):
to hacking because hackers get into browsers, and all of
a sudden, we're looking at a Chinese company having sixty
five percent of the market, and the government is saying,
wait a minute, that's not cool. Why is why are
they so prevalent? Well, it's real easy. This is China
(17:06):
and this is US made in America, made in America.
These riders sell for half the price of other routers,
and they're excellent and they're good quality. So how did
they get away with it? It's Chinese dump them because
that's what China does. China subsidizes products. They just almost
(17:26):
destroyed the steel market years and years ago because of
Chinese steel that was dumped on the American market and
the manufacturers couldn't keep up with it.
Speaker 1 (17:34):
When you have a.
Speaker 2 (17:35):
Country subsidizing products, it doesn't work.
Speaker 1 (17:39):
And you know what does work. TIFFs.
Speaker 2 (17:41):
As much as I hate tariffs, they're not an even
playing field.
Speaker 1 (17:46):
I mean, China is at TikTok, is actually.
Speaker 2 (17:49):
Arguing First Amendment rights here in the United States. For TikTok,
So let's talk about an American platform being banned in China.
Speaker 1 (18:02):
Go to the Chinese.
Speaker 2 (18:04):
Courts and argue First Amendment rights that you have the
right to use a platform in China and see if
you survive walking out of the courtroom. It is such
an uneven playing field. And the reason for this, oh,
by the way, the government is saying done. They're investigating
whether they should just kick out this company from doing
(18:26):
any sales the United States is based on national security.
TikTok national security matter of fact. Supreme Court is hearing
the case next week about TikTok and whether or not
not next week I think January eleventh, January twelfth, and
they've expedited that. Usually the Supreme Court, and this is
the First Amendment issue. Usually what the Supreme Court does
(18:49):
is it takes months for it to make a decision.
Speaker 1 (18:51):
It hear's arguments.
Speaker 2 (18:53):
Briefs are filed both the parties and amicus briefs amicas
meaning friend of the and friends of the court. In
other words, people who are not a party to the
case but have a lot of interest. For example, Brown
versus Ward of Education, which undid undid segregation in the schools.
There were hundreds of.
Speaker 1 (19:15):
Amicus filed in that case in nineteen fifty.
Speaker 2 (19:18):
Four, and so you'll see usually there's tons of amicus
briests filed.
Speaker 1 (19:23):
Court doesn't want any. Court does not want any.
Speaker 2 (19:27):
They said, we're going forward with this, and the issue
is national security versus First Amendment. TikTok, national security versus
First Amendment in this company ability to do business without
the government throwing you out. And by the way, this
is America where the government can't just stop you from
(19:48):
doing business. I mean, it's a fundamental right here to
do business. What can the government do well? Monopolies it
can deal with, starting with the Sherman anti trust law
that came in at the turn of the last century.
And they can stop based on national security. And that's
the argument being used in both cases to eliminate quote
(20:11):
the rights of the Chinese manufacturer the rights of the government.
Speaker 1 (20:15):
And so we're seeing what going to happen.
Speaker 2 (20:17):
If I had to guess, Supreme Court is going to
uphold the government and say this is legitimate national security issues.
The problem is if they stop manufacturing that these browsers
are not allowed in the country, Well, how many people
know no one's going to throw away their browser and
how quickly do they wear out? How many moving parts
(20:38):
are there to a browser? Okay, Moe Kelly, who was
heard Good Morning every evening seven to ten pm here
on KFI. All right, bo, just starting real quick with
the Superman trailer that drop, because I want to spend
a couple of minutes talking about this documentary on Elton John.
Speaker 1 (20:59):
I don't know if you seen it on Disney Plus.
I have not seen. Okay, I am all over it.
Speaker 5 (21:03):
I'll be over it this week and as a matter
of fact, I look forward to watching it.
Speaker 1 (21:08):
It looks fantastic.
Speaker 2 (21:09):
It is, and I want to just have you joined
me in just appreciating Elton John. So let's talk about
the Superman trailer and why is that such a big deal?
Speaker 5 (21:19):
Superman is a part of American cinematic history, is actually
Americana at this point, it's one of the most iconic
characters in all of movie history, and over the decades
there's been a lot of criticism of not about not
getting it right, and it was last thought to be
right with Christopher Reeve as Superman back in the late
nineteen seventies. And James Gunn is a director of this
(21:42):
Superman which is coming out July eleventh of twenty twenty five,
and it's basically an homage as far as feeling and
also content to the nineteen seventy seven Superman. In fact,
Will Reeve, one of Christopher Reeve's sons, is in the movie.
But this is going to be different from the last
iteration done by Zack Snyder. Zack Snyder's was dark and brooding,
(22:05):
and it was in today's world, but it was very
unsuperman esque. People would say this one was a return
to the colorful, lighter fair.
Speaker 1 (22:14):
It's serious, but it's not as dark and brooding.
Speaker 2 (22:17):
I remember the television show in the fifties and sixties
that was god awful. I mean it was horrible, and
I remember as a kid we were talking about it.
How do you kill Superman with kryptonide bullets? And that's
the only way, And that was the conversation. I don't
know if you've ever seen like on TV land.
Speaker 1 (22:33):
That's really a bad television.
Speaker 2 (22:34):
I watched it growing up. Absolutely, I mean it's just
in retrospect. So just a minute talking about and this.
I'm going to tell you about this Elton John documentary.
And I as much as I thought Elton John was
the genius, this put me in a whole different planet.
First of all, he writes music to the lyrics. He
gets the lyrics and the music goes to that and
(22:56):
Bernie Tappen, who is his lyricist, would male him him
the lyrics, would write a poem and there is Elton
John now writing music. The song Ballerina, one of his
greatest songs. You can actually see him create the melody.
He is looking at the lyrics that top and just
(23:19):
send him. He's at a piano and in ten minutes
he's basically knocking it out. There is part of the
documentary is Elton John with his band in the seventies,
I think seventy three seventy four, and they went to
a chateau in France. And you look at his diary
(23:40):
every day, three or four songs, and I mean his
classic songs, rocket Man, Yellow Brick Road, I mean all
of those.
Speaker 1 (23:48):
It's just it's scary. He is so good. Wow. So anyways,
you got to see it. I plan to. Yeah, I
saw the trailer.
Speaker 5 (23:57):
One thing I did notice that, once again we see
artists at their greatest point of success, it's also the
greatest point of sadness.
Speaker 2 (24:03):
Yeah, exactly, very very depressed guy had a very rough
time at the height of his stardom, and I don't
know if you've ever seen him live. I saw him
at Staples Center and it didn't look very good, got
very heavy, had a hard time walking, and you couldn't
hear him. And I asked, you know, I went just
(24:24):
to see him. And I asked one of the PR
people to go, who you can't hear this music? And
he said, and I go, why do people go well?
Because to see Elton John. Anyway, I grabbed all of it. MO.
Speaker 1 (24:36):
Sorry, next week, we'll give you a chance to talk.
Speaker 5 (24:40):
Okay, did you ask Amy King about Elton John?
Speaker 1 (24:42):
No? No, I have to ask Amy about Elton John.
I think she saw the last time he performed. Oh yeah,
Dodger Stadium. I was wow. Okay, we got to talk
about that tomorrow. Okay, all right because that lesage fabulous.
Speaker 2 (24:55):
Yeah, okay, MO again next week and tonight seven o'clock.
Speaker 1 (24:59):
All right.
Speaker 2 (25:00):
And as I finish the program and I'm walking out
and saying goodbye until tomorrow, I'm taking phone calls for
a handle on the law off the air, and you
can call me at eight hundred five two zero eleven
fifty eight hundred five two zero eleven fifty starting just
a minute or two. No breaks, no commercial, no news,
(25:20):
no traffic, no patience.
Speaker 1 (25:23):
We go through them pretty quickly.
Speaker 2 (25:25):
Eight hundred five two zero eleven fifty Tomorrow morning, Amy King,
five am.
Speaker 1 (25:30):
Neil and I join up.
Speaker 2 (25:31):
At six, right about till now, and then, of course,
and and Cono are here doing whatever the hell they do.
KFI AM six forty. You've been listening to the Bill
Handle Show. Catch My Show Monday through Friday six am
to nine am, and anytime on demand on the iHeartRadio
app
You're listening to Bill Handle on demand from KFI AM
six forty kfby AM six forty Handle here.
Speaker 2 (00:10):
It is a Thursday morning, December nineteenth.
Speaker 1 (00:13):
By the way, today is Handle on the Law.
Speaker 2 (00:17):
Just as I lock out and say goodbye at the
end of this hour, I'll tell you more about that
because I take phone calls off the air and give
you marginal legal advice. Also some of the stories, the
big stories.
Speaker 1 (00:28):
We're looking at.
Speaker 2 (00:30):
The Team Stars union has launched a strike against Amazon
starting today and facilities all over the United States, including California,
New York, Illinois, Georgia. Thousands of Amazon workers have walked
off the job. And so we'll see what happens with that.
And then as we speak, Luigi Mangioni, the suspect in
(00:51):
the killing of Brian Thompson, United Healthcare CEO, is in
court or may be out of court already waiving extradition,
and the judge will order him extradited to New York
where he will probably come tomorrow. How to Money with
Joel lars Guard every Sunday twelve to two pm here
on KFI. He's at how to Money Joel or Social Joel.
(01:16):
Good morning, morn of Bill I did this story sort
of kind of and only factually, and that was the
story between homeowners and renters.
Speaker 1 (01:27):
And not only do homeowners are.
Speaker 2 (01:30):
Worth forty times those of renters mainly because of the
explosion of values, and they have more savings, and they
have more wealth, and they have more health, they live longer.
So should we go out and buy a home because
we're going to live longer?
Speaker 3 (01:49):
Yeah, tomorrow, I think everyone once you got and buy
a home, because Yeah, when you look at these stats,
they're very compelling.
Speaker 1 (01:55):
No, I don't actually believe that.
Speaker 3 (01:57):
I mean, I think when you see this sort of information,
you have to kind of decide, well, is it correlation
or causation?
Speaker 1 (02:03):
What is it? Is it actually that me buying.
Speaker 3 (02:05):
A home tomorrow means I'm going to add six months
to the end of my life. I mean, it's fascinating information,
and especially when you look at the difference in net
worth between renters and homeowners, it's really interesting to see.
But I think it is less about the fact that
owning a home is the fastest best way to build wealth,
because I think especially when we're talking about kind of
(02:26):
what's happening in the housing market right now and the
disparity that's higher than it's been in a quite a
long time between what you're going to pay on the
mortgage what you're.
Speaker 1 (02:34):
Going to pay in rent.
Speaker 3 (02:37):
It just lends renting makes renting seem like a better
idea in a lot of cases. But the key is
what you have to do with the money that you're
saving on what you would have paid owning the home
versus renting. You have to be investing those extra dollars.
And I think that's kind of where people who rent
often fall short, is they take the extra money maybe
that they would have put towards the home, and they're
(02:58):
not investing it. They're they're spending it instead.
Speaker 2 (03:01):
Yeah, and that's always the problem with for example, home
equity loans or any kind of a major loan is
people do not take that money. So let's say you
pay you have a three percent loan on your home.
You refined it during those three percent days, and instead
of investing the money and making five or six percent,
you spent it all and so now you owe the
(03:23):
money and you have no money. And I know people
that did that, which is kind of dumb.
Speaker 1 (03:29):
But yeah, go ahead.
Speaker 3 (03:31):
Well, I just think there's a lot of people who
so it's owning a home is essentially a forced method
of savings, and that can be really helpful working behind
the scenes, and it has been particularly helpful over the
last four or five years. But there's new evidence as
well that we're starting to see supply tick up pretty strongly,
in fact, coming back to like pre pandemic levels and
(03:52):
a bunch of states and I think ten states out
of the fifty, and it's getting closer and closer, like
more and more states are getting back to like pre
pandemic listings. I think as more supply comes on the
line that we're seeing the housing market soften a little bit.
And I don't think like prices are going to fall
dramatically overnight or anything like that.
Speaker 1 (04:10):
But I also think that.
Speaker 3 (04:11):
What's happened over the past four years in the housing market,
don't expect that to replicate. So if you buy a
house today, I'm not saying that you're buying at the top.
Speaker 1 (04:20):
I think you could can still.
Speaker 3 (04:21):
You could still you see your equity increase over the
coming years, but not nearly at the same rate that
we've seen over the past four years. It's kind of
like what goes up must come down or at least plateau,
and so be careful looking at these stats and saying, oh,
I'm going to have forty x to the wealth.
Speaker 1 (04:36):
Oh I'm going to live longer.
Speaker 3 (04:37):
I need to go buy a home, because especially if
it doesn't make sense for you, for your lifestyle and
for your future plans, it could be just a massive
financial time bomb in your life too.
Speaker 2 (04:47):
Yeah, and I just bought a home last year, and
it was at the height of homes are not available,
and so there were not many homes that checked off
the boxes that I needed. I paid top dollar for
the house. It could not have gone higher than what
I paid. It's gone up ten percent in the last year.
(05:12):
I go, how is that possible?
Speaker 3 (05:14):
But you're also probably not assuming that it's probably going
to go up ten percent in value next year, now
year after that. But some people assume that, especially given
kind of what's happened recently, and that assumption could actually
make you poorer instead of realizing that, yeah, homes on
average overtime go upen value roughly three to four percent
a year. Well, the stock market goes up at a
(05:34):
higher clip. And so the key is the force method
of savings. That's what's making people richer on the home front.
It's not the fact that it's a better investment than
owning stocks.
Speaker 2 (05:43):
Yeah, and then a lot of people, you know, fail
to understand how expensive homes are, particularly the upkeep on homes.
Insurance has doubled in my gifts, I mean doubled, literally
one hundred percent higher.
Speaker 1 (05:57):
And taxes, I mean they go up nextorably.
Speaker 2 (06:00):
You know I am because you California, even pop thirteen,
they're going up a per one and a half percent
a year. And if you're paying thousands of dollars, that
becomes real money.
Speaker 1 (06:11):
Yeah.
Speaker 3 (06:11):
It's just such a complicated question. And so much of
whether or not buying a home makes sense comes down
to like individual factors, market factors, and so I just
hesitate to tell anybody, Oh, renting makes the most sense
for everyone, or buying makes the most sense for everyone.
So much of it depends on a whole bunch of
particulars that, like we'd have to wait into in everyone's
(06:32):
personal financial situation.
Speaker 4 (06:33):
All right, before you go back to Joel, because this
is money related. I said this on the air earlier.
Everybody said that I was wrong. I looked it up.
My credit card interest rate is eight point four and yeah,
and I that Premiere America. They are. I've been with
Premier America Credit Union for a bazillion years. I've purchased
(06:56):
cars with them at lower than two percent interest.
Speaker 1 (07:00):
They're amazing.
Speaker 4 (07:02):
And I knew it was low, and you told me no,
it wasn't yeh, I was lying and it's eight point four.
Speaker 1 (07:08):
Well, let's start with you're a liar anyway. I'm not alive.
Yes you are. You are alive, generally you are.
Speaker 2 (07:13):
But I have never heard and Amy back me up
on this, never heard any interest rate anywhere near eight
point four.
Speaker 1 (07:22):
Percent on a credit card.
Speaker 4 (07:23):
I have never We have a couple of different credit
unions and banks that we deal with, including some that
Joel has recommended that are online banks that we love
like ally, and others. But I will tell you that
i've all been Premiere America has treated me great ever
since we've been with them, when they were something else.
Speaker 1 (07:42):
Hey, Joel, we're out of time. Thanks, Sorry into it, Jack.
You called me a liar, and I wanted to clear
my name.
Speaker 2 (07:50):
All right, fart coin, I mean, come on, nice, Well,
I know, seriously.
Speaker 3 (07:56):
I know, right, it's it's utterly ridiculous. Of meme coins
that are coming out. There was there's park Coin, and
it's kind of crazy to think that it's worth something
like five hundred million dollars. Like people are pouring money
into some of these cryptocurrencies that are just being essentially
minted overnight. There was another one too that came out.
There's a someone who just came on the scene as
(08:18):
like a faux celebrity, Haley Welch, and she launched her
own meme coin, and like, everybody buys in and it
goes to the moon and then it crashes back down
and now she's being sued because so many people have
lost money. It's just it's still the wild wild West
in the cryptocurrency space in so many ways, and you
have to be so darn careful. And obviously just something
that's labeled part coin, I mean that she's set off
(08:40):
red alarm, red flags and alarm bells in your head immediately,
Like why would you get into that unless you're like
hoping to like buy quickly, sell quickly and make a
quick buck.
Speaker 2 (08:50):
So let me ask you a question about that, because
the entire concept of the cryptocurrency I've never understood, I
never will understand because there's no there there.
Speaker 1 (09:01):
It's simply people believing there's a there there. So that's
it's beyond me.
Speaker 2 (09:07):
Although if I had bought crypto for literally pennies actually
more bitcoin than a penny when it first came out,
and then he hit one hundred thousand per coin, go
figure that one out. But it's all it almost seems
like the pet rock first guy out, who ever created bitcoin?
(09:28):
That Japanese guy that no one knows who he is,
It hits and all of a sudden, the wannabes are
there and they see success, and oh boy, but there
have been some winners.
Speaker 1 (09:40):
What does that coin? The Efarium? Is that another one
that's out there.
Speaker 3 (09:44):
Yeah, that's another popular one that's had some staying power.
And I think you're right about the kind of faith aspect.
And the truth is like bitcoin at this point has
really has a lot of faith. And when you think
about the overall amount of money that is investing coin
and kind of what's happened with it, and the bullishness
surrounding bitcoin in particular, I do see, like I think
(10:06):
what people have to be careful about is that ninety
nine plus percent of cryptocurrency is one scamming like it's
an attempt to steal your money. And then there are
some that you can that having a little bit of
exposure to might make a little sense. But I think
there's especially younger investors. They see the price go up significantly,
especially in the recent like last month essentially with bitcoin,
(10:29):
and they're saying, ooh, I want in on that.
Speaker 2 (10:31):
Well.
Speaker 3 (10:31):
The trouble is volatility is so extreme in even the
kind of semi legit cryptocurrency space. They have to be
really careful because you might put in a lot of
money that you can't afford to lose. You might see
a significant draw down. And yeah, the market can experience
drawdowns too, but the market has at least enough history
to go on where you can say, oh, a twenty
thirty percent decline, well, this isn't completely abnormal, and then
(10:54):
you know the next five years like this is just
correction territory or something like that.
Speaker 1 (10:57):
But when in the crypto.
Speaker 3 (10:58):
Space, it's really hard to know, you know how much
it could go down, and I think you just can't
invest money that you're not willing to lose.
Speaker 2 (11:06):
You know, you've just described crypto coin as going to
Las Vegas and putting money down on a number at
the rule atte Wheel.
Speaker 1 (11:16):
I mean, I think there's a lot of truth to that.
Speaker 3 (11:18):
I think, given kind of what's happened with Bitcoin in
the way it's set up, I do think bitcoin is
a little bit different. But I also just want people
to I think there's this desire in our country to
get rich quick, to grow your wealth rapidly, and I
think the real way that's time tested is to grow
your wealth slowly over time by just doing the right
(11:40):
thing consistently. And so, yeah, maybe you'll make out like
a bandit. But I've heard from far too many listeners
to my show who have called it and talked about
how much money they've lost betting on some of these cryptocurrencies.
Cryptocurrencies are even kind of going in on some of
the more legitimate cryptocurrencies, and they find themselves in a
worse place later on down the line.
Speaker 2 (12:01):
Yeah, I'm way too conservative, even touched out. Okay, last topic,
and this one was kind of fun. Sharing a bathroom
could dramatically reduce the cost on traveling.
Speaker 1 (12:13):
So is sleeping on the sidewalk.
Speaker 2 (12:15):
Dramatically reduces the cost of traveling.
Speaker 1 (12:18):
Bring your intent and sleeping back. Yeah, who the hell
shares a bathroom when traveling.
Speaker 3 (12:25):
Well, okay, I think it depends on the stage of
life that you're in. Because when I was man, all
the things I would do to save a book on
travel back in the day when I was in my
early and mid twenties were significant. I'd stay in a hostel,
I would bring a tent and a sleeping bag on
a road trip or something.
Speaker 1 (12:41):
Like that and kind of pitch it wherever. Like I
was willing to do that.
Speaker 3 (12:45):
But there's it's interesting, like when you're staying I think
in New York City, right, they just cracked down on airbnbs,
and so now you can only list something on Airbnb
if you are actually staying in the house while you're
renting it out, and so in airbnb if or in
New York, if you want to stay in Airbnb, you
have to share a bathroom with the person who lives there,
with the owner and so. But when this Wall Street
(13:08):
Journal author actually did that and she documented how much
money you could save and it's a significant amount by
staying at one of these airbnbs versus staying at a hotel.
And I know there are trade offs, and not everybody
wants to do this, and they don't love maybe the
lack of privacy, but you might be able to go
for three nights to New York City instead of one
because of how much money you're going to save just
(13:29):
by like sharing a bathroom and maybe getting comfortable with that.
Speaker 1 (13:34):
Yeah, you're not gonna do it.
Speaker 2 (13:36):
No, wou Neil, Neil, would you ever share a bathroom?
Speaker 1 (13:40):
You and I shared about you and I have been
to New York and shared a room. Yeah, and we did,
but those and I got to tell you, the bathroom
situation was really rough.
Speaker 4 (13:48):
It was right after your gastrotestinal surgery.
Speaker 1 (13:53):
It was you. It was rough. No, I agree, it
was rough.
Speaker 2 (13:56):
And then the airplane trip was even rougher for the
people that were sitting So I'm bad.
Speaker 4 (14:00):
I there's certain things, Joel, like saving money is fine,
and I will save money, and then there's other things
that comfort to me is worth the extra bump, and
I think having the privacy. We stayed in New York,
my wife, my boy, and me in July and it
had two bathrooms. The suite had two bathrooms and it
(14:24):
was glorious, but it was not, you know, overly expensive.
Speaker 1 (14:30):
Yeah, sometimes I look at it's just not worth it.
Speaker 2 (14:32):
To even go because it's say, you know, that's my
case when I go to Europe, for example, if I
don't upgrade to business class, I'm not going now. I
through my business, I get a ton of miles, so
I'm able to use miles to upgrade.
Speaker 1 (14:46):
I'm very lucky I can do that. But if it
were different, I wouldn't go. Just wouldn't do it.
Speaker 3 (14:51):
And I get that everyone has different standards and and
but I think for a lot of people out there,
if they're looking at a hotel and then and then
maybe they're like, well, I don't know, gosh, this is
going to be a really expensive vacation. Is there we
might not get to go do some of the things
we want to do on this vacation. Is there a
way that we can save It's at least worth considering
that that may be a cheaper lodging and sharing a
(15:12):
sharing a bathroom or something like that, especially if you're
traveling by yourself. I don't know, it might not be
the worst thing in the world. And for some people
it might be a way to save money, although I
know it's not for everyone.
Speaker 2 (15:21):
No, I mean, and then, by the way, once you
reach a certain age where you no longer want to
do that. Let's say nineteen instead of eighteen. You reach
another point in life. All right, Joe, how.
Speaker 1 (15:36):
Old are you? Joe? By the way, forty? Really you
look so much younger than that.
Speaker 3 (15:41):
Well, thank you?
Speaker 1 (15:42):
Yeah, you do have seventeen kids? Yeah? No, no, I
mean you use one hundred feet tall? Joel? Do you
even shave? I mean you look really young barely man,
I can't grow a beard, that's for sure. Wow, So
you're literally not mid Eastern okay, large guard?
Speaker 2 (15:57):
Yeah, yeah, okay, Joel, thank you. We will catch you
this Sunday, twelve to two right here on KFI. All right, yeah,
take care, all right now before we go to mode.
As you know, TikTok may disappear in a couple of
weeks because national security. Right, that's easy, TikTok disappears. Let
(16:22):
me tell you a company that's not going to disappear,
and that's tp Link. It's a router manufacture that is
based in China and has sixty five percent of the
US market for routers, sixty five percent for homes and
small businesses. I mean that is a lot. And here's
what the government is saying. Hey, they are so susceptible
(16:45):
to hacking because hackers get into browsers, and all of
a sudden, we're looking at a Chinese company having sixty
five percent of the market, and the government is saying,
wait a minute, that's not cool. Why is why are
they so prevalent? Well, it's real easy. This is China
(17:06):
and this is US made in America, made in America.
These riders sell for half the price of other routers,
and they're excellent and they're good quality. So how did
they get away with it? It's Chinese dump them because
that's what China does. China subsidizes products. They just almost
(17:26):
destroyed the steel market years and years ago because of
Chinese steel that was dumped on the American market and
the manufacturers couldn't keep up with it.
Speaker 1 (17:34):
When you have a.
Speaker 2 (17:35):
Country subsidizing products, it doesn't work.
Speaker 1 (17:39):
And you know what does work. TIFFs.
Speaker 2 (17:41):
As much as I hate tariffs, they're not an even
playing field.
Speaker 1 (17:46):
I mean, China is at TikTok, is actually.
Speaker 2 (17:49):
Arguing First Amendment rights here in the United States. For TikTok,
So let's talk about an American platform being banned in China.
Speaker 1 (18:02):
Go to the Chinese.
Speaker 2 (18:04):
Courts and argue First Amendment rights that you have the
right to use a platform in China and see if
you survive walking out of the courtroom. It is such
an uneven playing field. And the reason for this, oh,
by the way, the government is saying done. They're investigating
whether they should just kick out this company from doing
(18:26):
any sales the United States is based on national security.
TikTok national security matter of fact. Supreme Court is hearing
the case next week about TikTok and whether or not
not next week I think January eleventh, January twelfth, and
they've expedited that. Usually the Supreme Court, and this is
the First Amendment issue. Usually what the Supreme Court does
(18:49):
is it takes months for it to make a decision.
Speaker 1 (18:51):
It hear's arguments.
Speaker 2 (18:53):
Briefs are filed both the parties and amicus briefs amicas
meaning friend of the and friends of the court. In
other words, people who are not a party to the
case but have a lot of interest. For example, Brown
versus Ward of Education, which undid undid segregation in the schools.
There were hundreds of.
Speaker 1 (19:15):
Amicus filed in that case in nineteen fifty.
Speaker 2 (19:18):
Four, and so you'll see usually there's tons of amicus
briests filed.
Speaker 1 (19:23):
Court doesn't want any. Court does not want any.
Speaker 2 (19:27):
They said, we're going forward with this, and the issue
is national security versus First Amendment. TikTok, national security versus
First Amendment in this company ability to do business without
the government throwing you out. And by the way, this
is America where the government can't just stop you from
(19:48):
doing business. I mean, it's a fundamental right here to
do business. What can the government do well? Monopolies it
can deal with, starting with the Sherman anti trust law
that came in at the turn of the last century.
And they can stop based on national security. And that's
the argument being used in both cases to eliminate quote
(20:11):
the rights of the Chinese manufacturer the rights of the government.
Speaker 1 (20:15):
And so we're seeing what going to happen.
Speaker 2 (20:17):
If I had to guess, Supreme Court is going to
uphold the government and say this is legitimate national security issues.
The problem is if they stop manufacturing that these browsers
are not allowed in the country, Well, how many people
know no one's going to throw away their browser and
how quickly do they wear out? How many moving parts
(20:38):
are there to a browser? Okay, Moe Kelly, who was
heard Good Morning every evening seven to ten pm here
on KFI. All right, bo, just starting real quick with
the Superman trailer that drop, because I want to spend
a couple of minutes talking about this documentary on Elton John.
Speaker 1 (20:59):
I don't know if you seen it on Disney Plus.
I have not seen. Okay, I am all over it.
Speaker 5 (21:03):
I'll be over it this week and as a matter
of fact, I look forward to watching it.
Speaker 1 (21:08):
It looks fantastic.
Speaker 2 (21:09):
It is, and I want to just have you joined
me in just appreciating Elton John. So let's talk about
the Superman trailer and why is that such a big deal?
Speaker 5 (21:19):
Superman is a part of American cinematic history, is actually
Americana at this point, it's one of the most iconic
characters in all of movie history, and over the decades
there's been a lot of criticism of not about not
getting it right, and it was last thought to be
right with Christopher Reeve as Superman back in the late
nineteen seventies. And James Gunn is a director of this
(21:42):
Superman which is coming out July eleventh of twenty twenty five,
and it's basically an homage as far as feeling and
also content to the nineteen seventy seven Superman. In fact,
Will Reeve, one of Christopher Reeve's sons, is in the movie.
But this is going to be different from the last
iteration done by Zack Snyder. Zack Snyder's was dark and brooding,
(22:05):
and it was in today's world, but it was very
unsuperman esque. People would say this one was a return
to the colorful, lighter fair.
Speaker 1 (22:14):
It's serious, but it's not as dark and brooding.
Speaker 2 (22:17):
I remember the television show in the fifties and sixties
that was god awful. I mean it was horrible, and
I remember as a kid we were talking about it.
How do you kill Superman with kryptonide bullets? And that's
the only way, And that was the conversation. I don't
know if you've ever seen like on TV land.
Speaker 1 (22:33):
That's really a bad television.
Speaker 2 (22:34):
I watched it growing up. Absolutely, I mean it's just
in retrospect. So just a minute talking about and this.
I'm going to tell you about this Elton John documentary.
And I as much as I thought Elton John was
the genius, this put me in a whole different planet.
First of all, he writes music to the lyrics. He
gets the lyrics and the music goes to that and
(22:56):
Bernie Tappen, who is his lyricist, would male him him
the lyrics, would write a poem and there is Elton
John now writing music. The song Ballerina, one of his
greatest songs. You can actually see him create the melody.
He is looking at the lyrics that top and just
(23:19):
send him. He's at a piano and in ten minutes
he's basically knocking it out. There is part of the
documentary is Elton John with his band in the seventies,
I think seventy three seventy four, and they went to
a chateau in France. And you look at his diary
(23:40):
every day, three or four songs, and I mean his
classic songs, rocket Man, Yellow Brick Road, I mean all
of those.
Speaker 1 (23:48):
It's just it's scary. He is so good. Wow. So anyways,
you got to see it. I plan to. Yeah, I
saw the trailer.
Speaker 5 (23:57):
One thing I did notice that, once again we see
artists at their greatest point of success, it's also the
greatest point of sadness.
Speaker 2 (24:03):
Yeah, exactly, very very depressed guy had a very rough
time at the height of his stardom, and I don't
know if you've ever seen him live. I saw him
at Staples Center and it didn't look very good, got
very heavy, had a hard time walking, and you couldn't
hear him. And I asked, you know, I went just
(24:24):
to see him. And I asked one of the PR
people to go, who you can't hear this music? And
he said, and I go, why do people go well?
Because to see Elton John. Anyway, I grabbed all of it. MO.
Speaker 1 (24:36):
Sorry, next week, we'll give you a chance to talk.
Speaker 5 (24:40):
Okay, did you ask Amy King about Elton John?
Speaker 1 (24:42):
No? No, I have to ask Amy about Elton John.
I think she saw the last time he performed. Oh yeah,
Dodger Stadium. I was wow. Okay, we got to talk
about that tomorrow. Okay, all right because that lesage fabulous.
Speaker 2 (24:55):
Yeah, okay, MO again next week and tonight seven o'clock.
Speaker 1 (24:59):
All right.
Speaker 2 (25:00):
And as I finish the program and I'm walking out
and saying goodbye until tomorrow, I'm taking phone calls for
a handle on the law off the air, and you
can call me at eight hundred five two zero eleven
fifty eight hundred five two zero eleven fifty starting just
a minute or two. No breaks, no commercial, no news,
(25:20):
no traffic, no patience.
Speaker 1 (25:23):
We go through them pretty quickly.
Speaker 2 (25:25):
Eight hundred five two zero eleven fifty Tomorrow morning, Amy King,
five am.
Speaker 1 (25:30):
Neil and I join up.
Speaker 2 (25:31):
At six, right about till now, and then, of course,
and and Cono are here doing whatever the hell they do.
KFI AM six forty. You've been listening to the Bill
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