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September 10, 2025 25 mins
(Sept 10, 2025)
Auto loan delinquencies signal bigger trouble. Alleged gender wage gap widens. After blistering dissent, Sotomayor talks Supreme Court with Colbert.  Inside the fight over the recycling label on your milk carton.
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Episode Transcript

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Speaker 1 (00:01):
You're listening to Bill Handle on demand from kfi AM
six forty.

Speaker 2 (00:09):
Polities.

Speaker 1 (00:10):
You never cry KFIM six forty live everywhere on the
iHeartRadio app. Happy Wednesday to you. Good morning, It's Neil
Sevadra here with Morning crew. Handle wasn't feeling well, so
he tapped out in the first hour. We're happy to
take things over for him and hang out with you
this morning. He should be back tomorrow. Fingers crossed that

(00:31):
he is feeling better. Is that nicer, amy am I
being nicer? Yes, much nicer.

Speaker 2 (00:37):
He probably has explosive diarrhea, though, I'm just thinking of
the people eating breakfast right now. That's all are you?
Are you eating breakfast? It's like lunchtime for me? Okay?
Fair enough.

Speaker 1 (00:51):
Trending stories, Israel is facing global condemnation. Just crazy, unprecedented
attack in the capital of Qatar. So you've got mediators
in the Gaza ceasefire talks apparently were the target of
the strike. They said they were targeting Hamas leaders, but

(01:13):
failed to assassinate the negotiation negotiating delegation there. But that
story continues to get crazy and crazy and crazy. All right,
So car Loans falling into a big hole of problems.
Why while this new report says that people in the
United States are falling behind on their car loans and

(01:38):
it could signal deeper problems. So there's all these little
markers we use that we watched, like, I'm always fascinated
how we find out about COVID in our city by
the fact they basically test the sewer, right, So there's
ways to test these things. You're always looking for markers

(01:59):
as to what's going on. In this case car loans
and whether they're being paid or not on time. Couldn't
point to financial trouble for many families. So they're looking
at this as insight to other things. So the high
cost of buying and maintaining a car. Of course, you've

(02:20):
got inflation, you've got tariffs on top of that causing
issues as well. It's led to more defaults or misspayments
and repossessions.

Speaker 2 (02:30):
Man, that used to be a big thing.

Speaker 1 (02:32):
They used to have TV shows and everything and a
great movie repaman. By the way, some people are now
paying over a thousand bucks a month for a new car.
I don't know how you do that, I really don't.
It blows me away at the thought of paying one
thousand dollars a month for a car. You know who
changed my views on my car on car payments is

(02:55):
Bill Handle himself. He once told me, you can't think
of a car as an investment. You can't even think
of it as well, I'll pay it off one day
and then I won't have to pay this, he said.
Think of it as a utility. That you're always going
to pay for a car because you're always going to
need one, and that now I don't think about it.
But I only buy used I buy used cars and

(03:21):
I run them into the ground. So paying one thousand
dollars a month on a car, to me just boggles
my freaking mind. So nearly one in five buyers are
stuck with seven year loans. So the standard used to
be what three? Then they went to four and five
and six, and now seven. The Consumer Federation of America

(03:45):
the CFA, which wrote this particular report, is warning that
it looks a lot like what happened before the Great
Recession in two thousand and eight. And if you remember
that that was chaos. I mean that had a lot
to do with housing and that crazy messing around with
numbers that they did, and when that collapsed, everything collapsed

(04:06):
with it like dominos. So the report blames the lack
of government protection. Of course, CFA says that the government
isn't doing enough to protect consumers from shady practices in
the auto loan industry. And if you remember, that was
the at the heart of the twenty two thousand and
eight collapse. Two was because of the shady loan practices

(04:29):
that was going on in the housing market. So for example,
you've got dealers and lenders sometimes quietly raise interest rates
to make.

Speaker 2 (04:40):
More money off buyers.

Speaker 1 (04:42):
Horrible, it's a tactic that the CFA says should be banned,
and it should be. That's to do stuff like that
is not only underhanded, but I mean it's just lying.
And in that process you're just screwing the people that
you're trying that you're trying to have a relationship with.
That's one why does it matter to us? What should

(05:05):
we be thinking about that? Well, when people can't afford
their car payments, it's often a sign of something bigger.
They're in financial distress somehow, that they're financially stretched in
other areas as well. It's hard to tell that sometimes
because I look around and I see people that don't
have their priorities in order. It's like the people with

(05:28):
big screen TVs and manicures and everything, and they can't pay.

Speaker 2 (05:31):
They're not paying their bills.

Speaker 1 (05:33):
So they're saying that many young people, even those with
decent credit, are falling behind. And then these cars get
picked up, and then you have more issues. So this
may be a sign of something more to come. Let's
hope that it's not, because once that's probably the second

(05:54):
biggest thing that you own, next to your house, if
you own your house, and that ends up just showing
a rolling downhill, happy to be with you. This is
Neil Sevadra and the Morning Crew. Bill should be back
tomorrow fingers crossed. But yeah, he was not a happy camper,
not a happy camper at all. The FAA issued a

(06:17):
safety alert just yesterday warning airlines about the fire wrist
post by lithium batteries. So of course you've got passengers,
you've got crews carrying these things. Aviation experts are saying
that devices like cell phones, laptops and cigarettes, even hearing
aids can malfunction, causing what they refer to as thermal runway,
and it might ignite a fire. That story we are

(06:40):
continuing to watch here at KFI. Don't forget Gary and
Shannon coming up after nine, so go no where. Also
Bill handle on Friday, as we normally do, ask Candell anything.
All you need to do is during the program from
six am to nine am is go to the iHeartRadio app.

(07:01):
You'll see an icon, a button and a red button
with the mic icon on there. You've got about thirty seconds.
But Bill is Shpilkis and he doesn't have the ability
to wait and be patient, so keep it around fifteen
twenty seconds. Ask a question and I will pick usually
nine or ten of them for him to answer the

(07:22):
last two segments of Friday, So get those in if
you want to be a part of that fun coming
up on Friday. All right, women and men, the battle
of the sex is when it comes to money. This
is ongoing something. I think we hear a lot about
what's happening, we don't tend to hear why it's happening.

(07:45):
The assumption is, oh, well, women just get paid less
because they're women. And I don't know that that sits
well with me or makes sense. So still something that
needs to be looked at. But women are earning less
compared to men. Again, new data from the US Census
Bureau shows that the gender wage gap in the US

(08:07):
actually got worse in twenty twenty four. Now we've done
a couple stories on reports this morning, and if you're noticing,
you're always a year behind. I mean that's the way
these reports do. They're on the former year, not the
year we're in now. So for the second year in
a row, on average, women working full time all year

(08:28):
made eight only eighty one cents for every dollar men earned.
Now that's down from eighty three cents in twenty twenty
three and eighty four cents in twenty twenty two, So
big concern over this decline at this point. Those that
are pushing for equal pay obviously look at this as

(08:49):
sliding backwards, especially since it's the first time in over
twenty years that the gap has widened in back to
back years. So it's not only that it's widened, it's
that you you know, anytime you see a pattern, even
in radio ratings, anything in life, I always say a
set of three is a pattern or a trend. So

(09:11):
two is on their way. Interestingly enough, the wage gap
seems to be even larger for black women so they
earn't just sixty five cents. How the hell does that
happen for every dollar paid to white men in twenty
twenty four. I think that's interesting that the comparison is

(09:33):
to white men. I mean, wouldn't just be all men.
It's down from sixty six cents in twenty twenty three
sixty nine cents in twenty twenty two, while men's wages
rose about three point seven percent last year. So women's
wages barely changed in that time. Means the gap is

(09:53):
growing not because men are doing worse, but because women's
earnings aren't improving at the same rate, which has been
the old issue. Right, Why is it happening now? While
if you look at it, the experts are kind of saying, well,
you got childcare, you got the lack of workplace support,
pushing a lot of women that are mothers obviously out

(10:13):
of the workforce. Some say that government policies say they're
not doing enough. You know, I'm hearing this over and
over again. Everybody looks towards the government for all these
things that are not doing enough to help working women.
Even though the Trump administration included childcare tax credits in
recent legislation. Some advocates say that it's not nearly enough

(10:38):
to fix the problem. Both political sides are blaming each
other because that's what we do, and the results are
always the same. Nothing moves forward. So how this is
going to break down for the families is something that
you got to look at. When women earn less, it
doesn't just affect them, of course, it's going to hurt
families as well. A lot of households right now rely

(11:01):
on moms as the main income earner or as single parents.
Things are just changed. Experts say the country needs things
like affordable childcare, paid sick leave, who doesn't get paid
sick leave, better parental leave to help women stay in

(11:21):
the workforce and earn fairly. Currently though you're not finding
that those changes aren't likely to happen anytime soon. We've
still got a long way to go, it seems, and
as much as we try and be I don't know
open in our thoughts to gender equality and how things work.

Speaker 2 (11:40):
The fact is.

Speaker 1 (11:43):
A mom never turns off being a mom. She has
a full time, full time, full time, full time, full
time job and then works. What I see my wife
do I can't do. She has multiple jobs She has
a private practice as a therapy pissed, and she is
a full time mom to two boys, my son and me.

(12:05):
And he's the mature one, says a guy who's got
a seven and a half foot tall Chewbacca in a
box right now that he's really excited about opening up.

Speaker 2 (12:16):
AnyWho? What Yeah, yeah, I know, I think we need
to talk about this. I don't want to talk about it.
Why because you can't open it right now?

Speaker 1 (12:26):
Because I can't open it right now? Okay, and put
it next to my Stormtrooper?

Speaker 2 (12:33):
Seriously, yeah, Halloween? Or is it just for I've never
turned this off? I don't. I usually have a fake background. Watch.
Let's see, I'll turn off my fake background. See he's
right there. He's the Stormtrooper is protecting you. I see. Wow, Hey,
hi Stormtrooper. These are not the director looking for it

(12:58):
along all right.

Speaker 1 (13:00):
Supreme Court Justice Sonia Soda Monyor Sota Mayor appeared on
The Late Show with Stephen Colbert. You got to get
that in right, as in the get canceled in next
November or something, and she wanted to talk about a
recent somewhat controversial court decision.

Speaker 2 (13:20):
She didn't hold back at all.

Speaker 1 (13:21):
Of course she went for it, and it's a pretty
safe place to do it. On Stephen Colbert's show, I'm
sure just the day before she wrote this strong dissent.
That's the written disagreement that.

Speaker 2 (13:34):
Justices do.

Speaker 1 (13:36):
And this was after the court's conservative majority ruled in
favor of the Trump administration. Now, this ruling allows immigration
agents in southern California, toy, and you've probably heard this.
We've certainly talked about it here to restart random stops.
Critics say it's un fair because you're one going to
target Latino communities and people that look a certain way

(14:00):
or speak Spanish.

Speaker 2 (14:02):
That type of thing. So to Mayor strongly disagreed.

Speaker 1 (14:06):
She said that we shouldn't live in a country where
the government can stop someone just because of how they
look or speak. Well, I get it in its simplest form, Yes,
that's not something.

Speaker 2 (14:23):
That we want.

Speaker 1 (14:25):
However, in certain specific circumstances, that's not always going to
be the case. People profile all the time. It's part
of what we do as humans, I mean, animals do it.

Speaker 2 (14:39):
And listen. I'm not thrilled about.

Speaker 1 (14:41):
It either, but there's more to it than that. So
she pointed to the information in hand and says, you've
got to read this stuff for yourself. So she's basically saying,
you know, you want to check out my twenty one
page dissent. You know you can read it yourself. You

(15:04):
can go through it, you can go through the constitution
find out why she got a standing ovation, of course,
because I mean, you're preaching to the choir there. But
instead of just celebrating soda, Moyor encouraged everyone.

Speaker 2 (15:18):
To go deeper.

Speaker 1 (15:18):
She told viewers, don't just go by what you hear.
Read both sides of the court's opinions, which I think
is the smart thing to do. She wants people to
understand the reasoning, understand the concerns, understand the decision making,
and not just react emotionally based on headlines, which I
couldn't agree with more. We have become a very emotional

(15:41):
country that doesn't use reason anymore. She admitted, you know
that the poison the opposing side does make good points.
She goes, that does happen, She goes, just not in
this one, which I thought was actually a funny response. Yeah,
sometimes they can make good points, just not on this one.

(16:05):
But wanting us to do the homework on these things,
I think is at the heart of it, doing the homework,
not just going online and reading somebody else's synopsis or
commentary on something, but really diving deep, because you'll be
surprised that you will see something or hear something in

(16:27):
a way that's different from other people. I love this
thing and I believe it wholeheartedly. People don't listen with
their ears anymore. They listen with their triggers, and they
are so ready to be to respond if it's in
if it's in their mindset or not their political belief system.

Speaker 2 (16:49):
But this stuff matters to us.

Speaker 1 (16:50):
These Supreme Court decisions affect us. They affect real people,
and we should understand them. We should take the time
to understand them. Go beyond the headlines, go beyond social media,
very beyond social media, like run very far from social media,
and some opinions cannot be reduced to a SoundBite. To

(17:17):
understand something, it's got to be more. There's complexity to them.
You need to dive deep. You know, we do what
we can here on KFI, going as deep as we
can on stories, deeper than you're going to get, you know,
and headlines and a couple of lines of text, but

(17:38):
sometimes you need even more than that. And if you
want to be a part of the system in any way,
shape or form, that means you're going to have to
do your homework too. That's being a good citizen, all right.
Recycling has been at gosh, man, We've been talking about
recycling forever and we still don't have it down. Is

(18:00):
one of the things the first Earth Day back in
what was the seventies there, that was at the peak.
We have done marketing campaigns. We have a fun little
symbol that looks like, you know, three green arrows running
after each other. We have recycling bins now separate. If

(18:20):
you're like us, you probably have two different trash cans
in your home, one for recycling, maybe even three. Now
you're composting, you're recycling your regular garbage. But here's the problem.
We're bad at it. We're really really bad at it.

(18:41):
There are some on the planet that do it very good.
We don't. And there are some things that we don't
even know whether they're recyclable or not. And one of
those things is the milk carton. You know, the ones
that are kind of waxy and they're you think they're
made out of paper, but they might have other things
in them as well. I do this all the time

(19:04):
and I know better, but I will. I'll go to
you know, maybe we have a milk carton that is
not the plastic. Ye, it's just the half gallon, and
I'll grab it and my wife when it's emptying. My
wife inevitably will have eyes in the back of her head,
as mothers are wont to do, and she'll.

Speaker 2 (19:24):
Go, Nope, not in the recycling.

Speaker 1 (19:30):
So there is an argument going on about that symbol,
those chasing arrows that we see everywhere.

Speaker 2 (19:36):
You've got earlier this year.

Speaker 1 (19:37):
You have the recycling agency, it's called Cawal Recycle and
they're they overlook all these things and how that symbols
used In this particular case, they said, no, don't put
that on there. Most waste facilities aren't actually sorting them
as it stands now. And there's actually a group, an

(20:00):
industry group called the Carton Council. I wonder if you
tell people that at parties.

Speaker 2 (20:08):
So what do you do?

Speaker 1 (20:09):
I'm on the carton Council. Do you kno? Do you
tell people? You talk everybody?

Speaker 2 (20:18):
Would you got? I'm on the cart and the chairman
of the car curten Council.

Speaker 1 (20:22):
So they announced that they were building a recycling facility
in Lodi, California.

Speaker 2 (20:28):
And so with.

Speaker 1 (20:30):
That then you had the cow recycle reverse and say, okay, fine,
you can put the logo on, but really they're not
one product. They've got paper, they've got plastic. Sometimes they
have wax, Oftentimes they have aluminum. That that sheet of

(20:51):
aluminum on the inside, especially if it's something like orange
juice that's acidic, that it needs that to keep it fresh.

Speaker 2 (21:00):
All of that. Right, So we're.

Speaker 1 (21:03):
In this position where even with this new facility in
load Eye, you're talking about maybe eight percent of the
cartons that are normally like right now being dumped in
California in the landfills right now, it's only going to
process eight percent of those. The hope is, and I've

(21:24):
said this many times before, we will not get out
of any of our environmental issues, the big ones by
way of conservation. It will have to be innovation period.
At this point, that's just where we are in the timeline.
And these folks at the load Ie facility, I think

(21:47):
what they're doing is smart.

Speaker 2 (21:48):
It's not just recycling them.

Speaker 1 (21:52):
Into more cartons, They're recycling them into roofing material. It's
I think that that's fantastic. I personally believe I'm a maker.
I fabricate things. I have a shop in my home,
and I use plastics, I use wood, I use metal,

(22:14):
I use resins, I use all glass, all kinds of material,
and I'm constantly thinking how to reuse these things. I
hate seeing things thrown out that can be fixed. We
all have to do it. I get it, but if
we can fix them or refurbish them, and I truly
believe that the biggest breakthrough is going to be when
we get to the point of recycling in our own home,

(22:37):
being able to break down certain things in our own
home and utilize them immediately. So that means cleaning oftentimes
through heat and disinfectants and things like that, and then
changing their shape, changing them to use things. I use PLA,

(22:58):
which is a type of plastic, I use use ABS,
I use PETG, I use all kinds of plastics here
at the house. When I'm manufacturing or making things. Many
of those, like PLA, is super common and easy to recycle,
some like ABS, not as much. And when we use
these things, I think that there will be eventually home

(23:22):
set setups where you could utilize these, break them down
and utilize them for something else. I think that's going
to be the crux. I don't think that these large
facilities are going to do it, and they're doing it
to make a profit as well, and I think that
makes it even more difficult. So my thought is there's
a lot of innovation coming out of people finding ways

(23:43):
to recycle stuff at home, and I think once we
get there is when we will take a real.

Speaker 2 (23:50):
Debt out of it. Just my thoughts.

Speaker 1 (23:52):
But until then, these cartons that we have, these little
half gallon cartons for uses and milk and the thing,
they're more problematic than not. They're hard to recycle. Centers
don't want them because they can also taint the rest
of the material there. So sometimes they have to throw

(24:15):
it out because it's got too many of those cartons
in there. It's got plastic, aluminum, like I said, wax,
sometimes paper.

Speaker 2 (24:23):
So we'll see what happens.

Speaker 1 (24:24):
But mark my words, once we have machines or the
ability to do it simply at home is when you're
going to see recycling really make a dent. All Righty
stick around for Gary and Shannon. Hopefully Bill will be
back tomorrow, finishing out this week, of course, before his vacation.
Go nowhere. It is the Bill Handle Show. This is

(24:45):
KFI and KOSTHD too, Los Angeles, Orange County.

Speaker 2 (24:49):
You've been listening to The Bill Handle Show.

Speaker 1 (24:51):
Catch my show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app

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