(KMN) 11.17: Back Up and Running - Hour 3

Episode Transcript

Speaker 1 (00:00):
It is seven oh six here at News Radio eight

(00:01):
forty whas Happy Monday, Kentucky Anah. Thanks for joining us.
Maybe you're starting your day right now, maybe you've been
with us throughout regardless, we appreciate you and we're taking
you up until nine o'clock. So don't go anywhere. You
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(00:24):
also chime in and share some thoughts with us on
the talk back line that's powered by Alex Rwhitepllcseudistractor driver
dot com. So been a busy morning thus far, reacting
to news of the weekend. And we are now some
days away from the government shutdown. I guess we're removed,
I should say, from the government shutdown coming to an end,
and we're starting to start to see everything kind of

(00:47):
come back to life, getting back to normal. Prior to
the shutdown, the airline industry certainly impacted big time during
the shutdown, Probably the most talked about the SNAB benefit
and the airline disruption was probably those were the two
biggest talking points throughout this shutdown, And it felt kind

(01:07):
of silly with the airline because I look, I didn't
have any inconvenience. I didn't have any flights that I
needed to go on during the shutdown. So I'm sure
if you were somebody that really did experience it in
a bad way, it felt maybe maybe like your worst
experience ever. But even if there's not a government shutdown,
we still have a very unpredictable world that is traveling

(01:28):
via airline to where you just really don't have a
clue and you can't control if you're going to have
a delay, if there's going to be a cancelation, if
you're going to get on the plane and then sit
there for an hour and then then tell you to
get off. I mean, you're just at the mercy of
whatever happens. So even whenever we are months removed from
this shutdown, I would say you'll still see the issues

(01:48):
you typically see throughout every day when it comes to airlines.
But again, it was worse. There is data that shows
it was worse during the shutdown. But this is the
week where they expect to actually have things back to
normal on their end. So the Federal Aviation Administration ended
the Emergency Flight Reduction Order this morning and that allows
flights to return to normal operations with these past few

(02:11):
weeks of cancelations and delayed and the official time for
lifting the order was six am this morning, and that
brings it into the cuts that started on November seventh,
with a four percent reduction in flights at phasor forty
major airports. So if you are somebody that still shut
up to work every day and now you're showing up

(02:34):
and yet you're not on a shutdown and you'll be
paid as usual, I'm wondering what I'd love to get
perspective from somebody that worked throughout to sort of know
what their day to day was differently, because you got
to keep in mind if if you were showing up
and you had colleagues deciding to burn up PTO time
or calling sick because they had to go work a

(02:56):
second job, I don't know, delivering pizzas or doing dash
because they just had to. They had to make ends
meet in some way while they waited for their paychecks.
You were probably if you were the person that didn't
call into work like you were probably asked to do
more because you're you're having to make up for the
lack of resources that they have there. So back to
the other real big talking point throughout was the Snap

(03:18):
benefits and the fear of going without assistance that you've
relied upon for a long time to feed yourself and
feed your family. And it did seem as if there
was there was a lot of especially in this area,
a lot of people that were willing to help out
and do whatever they could to help those that might
miss a meal because of this shutdown. So look, I'm
sure there's many that did go without and it was

(03:39):
a real scary situation. But if you are somebody that
is that receives SNAP benefits, you're gonna you're gonna have
to probably reapply. I say probably only because it almost
seems like a nightmare. Can they have everybody who relies
on Snap go through the process of reapplying all at

(03:59):
the same time, seemingly and that not be a disaster,
Like I don't think that would be a quick and
smooth thing. Because they've determined during this shutdown, I guess
it gave them a chance to revisit things within the
SNAP benefits to where they realized one hundred and eighty
six thousand people. I guess put it this way, there's
a hundred eighty six thousand cases involving SNAP where these

(04:19):
benefits are going to people that are dead. Yes, one
hundred and eighty six thousand cases involving people who are
deceased receiving SNAP benefits. Which, yeah, that's something that will
absolutely result in them kind of starting maybe not starting over,
but saying yea, everybody's gonna have to go through this
process once again so we can get a better feel
for who we're actually giving these benefits to and who
deserves it. All right, stick around. We've got a lot

(04:41):
more to get into this morning, including a conversation on
the other side with Jill Slessinger, an analyst for CBS News.
She joins us next year on news radio eight forty whs.
All right, coffee and company with you here on news
radio eight forty whas, and we are proudly fueled by Thornton.
We're now joined by Jill Slessinger, CBS News Business analyst. Jill,

(05:01):
it sounds like big tax changes are coming for charitable giving.
Tell us how people might need to rethink how and
when they can donate.

Speaker 2 (05:09):
I feel like.

Speaker 3 (05:10):
This is just like a mad way to approach charitable giving.
But we can't escape the fact that you give with
your heart. But there is often a tax benefit from
doing so. Right, very well said Okay, so I get it.
So this is a little bit of a like green
meets the heart. So, first of all, for this year
twenty twenty five, which we are still in this tax year,

(05:32):
there's no change to the tax code when it comes
to charitable giving. Next year, a bunch of new things
do kick in, and I think the most significant, the
one that's going to impact the most people, is that
right now in this year, if you claim the standard
deduction when you file your taxes, and really it's about
ninety percent of everyone who files taxes uses the standard deduction,

(05:55):
if you give to charity, you don't get any tax
benefit from doing so this year. Next year you will
because the tax bill that was passed earlier this year
was had they had a little feature in it which said,
if you claim the standard deduction, you will be entitled
to up to a one thousand dollars charitable deduction next year.

(06:17):
In twenty twenty six, two thousand if you're a joint filer.
So don't call me cruel by saying your charity will
still need the money next year. So if you were
going to give a couple hundred bucks in December for
a charity that you love, just give it in January
and double it up for next year. So give you know,
if you're going to give two hundred this year, maybe
give four hundred in January and you'll get a tax

(06:39):
deduction for that. So I don't know if you care.
That's something that's there for you.

Speaker 1 (06:43):
Yeah, the good deed is still there, and it could
also benefit you a little more, so.

Speaker 3 (06:47):
Right exactly, maybe you can give more money next year
because you got a little charitable deduction for it. Now,
let's say you're one of the richie riches. You are
someone who is in the high tax bracket, okay, even
the thirty seven percent that is the highest tax bracket.
No change for this year. Next year, you are not
going to get as good of a tax benefit from giving.

(07:09):
So one thing to consider is that if you are
very charitable, this is a good year to give because
next year your charitable deduction will be a little bit
less generous. So in terms of tax wise, maybe I
don't care. It's okay, it doesn't matter. I've just given
you the information. So if you're in the highest tax bracket,

(07:30):
or even really anyone who's an itemizer, there's going to
be a limit for the tax deduction that you will receive.
If you give tons and tons of money, you're not
going to notice it. But if you give, you know,
one thousand or fifteen hundred dollars, you are going to
notice that there's a change.

Speaker 1 (07:47):
Just Lesson is our guest joining us here at news
Radio eight forty whs Jill. I've got a comparison for you.
I want to throw at you. Okay, okay. So I
think people who do make the donation to charity, they
I'd like to believe they do it mostly because they
want to help and they're in a position to do so,
and they just want to help people out. But also
if they could potentially benefit from it, Let's not act
like that won't be at least a factor in the

(08:07):
decision to make a donation. It reminds me of what
you see on social media a lot today is great
things happening, somebody being rewarded with five hundred bucks to
help get Christmas gifts for their kids, just doing charitable,
doing good things for people. But I oftentimes wonder would
we see as much of this if they couldn't get
their phone out and capture it or social media and

(08:28):
show ever buddy what it is that they're doing.

Speaker 3 (08:31):
Oh, that's an interesting question. I mean, there is a
showmanship to all, a performative nature of all of our
lives right now, which is why, by the way my
producer handles all of my social media, I don't go
into that cesspool. It's a little scary for me.

Speaker 1 (08:46):
And you're better off for it. I can tell you
better than me. It's a toxic world.

Speaker 3 (08:51):
I will say one thing also about the social media
and giving, and I guess that I'm going to this
is where I become like a jail for everybody. People
need to be a little bit more careful about what
they're sharing and how they are actually doing what they're doing.
In terms of the scams that are out there. I

(09:12):
got a note from the IRS. They send notes out
to you, the people in the media, and they say,
please highlight this. This is a time of year where
on social media, on you know, on your random day,
the number of scams that are running rampant through society
are at their height around November and December. Because it

(09:33):
makes sense, right you say, no, I'm going to be performed.
Oh look i'm giving or I took a snapshot of this,
and yet you're not careful because you think you're being
so generous. So my big warning about all of this
is just understand, just like when you get on the road,
you're driving on a highway, you're defensive, right, You're like, oh,
that guy's a jerk, he's over there, he's weaven in

(09:54):
and out of traffic. You're careful, right. Use that same
analogy as you are approached for people who want you
to give money, be a little bit defensive, have your
antenna up. Make sure that you understand that whatever is
being pitched to you it could be legitimate, but it
may not be. So be crystal clear that you have
to know that this is a charity that's legitimate. The

(10:15):
IRS has an actually great website that has a tool
on it that will let you verify and organization's legitimacy.
You also should be very clear never give money with
a gift card by wiring money, you pay with traceable
methods like a credit card or a check, and you
should really understand that, no matter what is going on,

(10:36):
holidays are not. Don't overshare your personal information that is
currency for criminals. No social security I literally say this
to my mother every day. Do not pick up the
phone unless you know who's on the other end. Do
not respond to a text. Do not give your social
security number, do not give your credit like, really try
to tamp down any emotions you have around this. Be

(10:59):
very careful.

Speaker 1 (11:00):
I would say that was great advice for mann Jill.
I wonder if at some point, because the hackers, the scammers,
they're just getting so good at what they do. I'm
amazed every time I see a new one and I think, okay,
I would be able to maybe see that that just
doesn't seem legit. But a lot of folks, I guess,
still just don't have the mindset to truly think, Okay,
is this too good to be true? Should I be
getting this information? What you say you recommend your mother,

(11:23):
would you recommend her to do? I think we're going
to get to a point soon where that's just what
everybody realizes that they've got to truly vet something. Because
of how many scams are out there.

Speaker 3 (11:32):
I'll tell you the best way to really lock things
down is to freeze your credit. So even if let's
just so, I don't know if you realize this, but
every one of those credit agencies experience Equifax and TransUnion,
they have a way so that you can lock your
credit record and you say to them, I would like

(11:53):
to freeze my credit, meaning nobody can open a new
credit card, nobody can do any thing at all, including yourself.
By the way, you've frozen your record, no credit, no
new loans can be established. That takes away a huge
tool for scammers because they can have your social Security number.

(12:14):
But what are they doing with it? I mean, you
have to assume that everybody's personal information is out there
on the dark web anyway. Sure, so the question is
how do I protect myself freeze your credit? Now, there
are going to be people who say, but what if
I want to open up a new credit card. I
would say, please stop opening up so many credit cards.
But okay, then that's a great moment where let's say
you know you're going to buy a house, you're going

(12:36):
to buy a car. You say to the credit reporting agencies,
unfreeze my credit. Takes two days to do it. You
unfreeze your credit, you get the loan that you want
to get, and then you freeze it again, freeze your credit.
It is the best way to protect yourself.

Speaker 1 (12:52):
Good advice. Jill, appreciate the time as always, very informative stuff.
Looking forward to chatting with the next week.

Speaker 3 (12:57):
Take care.

Speaker 1 (12:57):
That is Jill sleshing your CBS business analyst. Really good information.
She mentioned it's going to sound like she's given advices
and Jill that was freezing of credit and also just
being aware of scams. That's good information to have. And
she's right when it comes to man, when it comes
to just the freezing of the credit, I knew that

(13:17):
was the thing, but I'd never really I don't often
think about it. But that could also give you the
two day window, essentially forty eight hours to really consider
do I need to be open? Do I really need
to be taking out a line of credit for something?
Do I really need to be financing something? And I'm
sure people had more time to really think things through,
they wouldn't make decisions that they later realized from a
financial standpoint may not have been the best decision. Good

(13:39):
stuff from Jill. You can check Jill out at jillomoney
dot com. She's gonna be with us eaching every Monday
and really looking forward to it.

Speaker 2 (13:45):
Quick time out.

Speaker 1 (13:46):
We've got traffic and weather updates on the way, a
news update coming your way as well, before too long,
right here at news Radio eight forty whas. It is
seven thirty five here at news Radio eight forty whas.
Thank you for hanging out with us here on a
Monday morning. Hopefully you ad yourselves a good weekend. I
know I certainly did. It's always nice when you get
to a Monday and it feels like you had a weekend, right,

(14:09):
And sometimes you wake up on Monday and say, where
did the weekend go? And for me, the Friday night
the Friday night football game where you if you're a
Louisville fan in Kentucky, I'm not sure if they've ever
played on a Friday night. Obviously, Louisville's played on weeknights
here and there over the years, and Friday night games
are really the norm, at least once twice a season.

(14:30):
And it always, you know, when I say get it
out of the way, it makes it seem as if
like it's something I dread or avoid but it just
takes up a ton of your time. So when you
can enjoy it on a Friday night and then have
your full day Saturday to do whatever, probably still watch
college football, but not be so invested to just one game.
It's nice, but Friday night at Cardinal Stadium not a

(14:51):
good night for Louisville fans. And if you just checked
out and you had an easy thing to shift your
attention to because it's Nune. On Saturday, Pat Kelsey's team
played and they look good. But what happened on Friday,
I think changes the I mean there's no doubt it
changes what you what you're capable of doing as far

(15:11):
as just finishing with a chance to maybe win the
ACC and get yourself to Charlotte for that championship game.
It was it was already unlikely prior to losing to Clemson,
but then losing to Clemson makes it to where it's
it's impossible. I mean, there's only one conference game left.
I mean, you've you've really missed out on what would
have been a big opportunity to for the second time
in three years, play for an ACC championship. And the

(15:34):
way in which Louisville lost that game. It was, it was,
it was tough, a lot of senseless penalties, especially the
personal foul penalties. I think Miller Moss is certainly going
to be the name you hear more than anybody as
far as where blame is going, and that look, that's
what comes with it, there's no doubt. But he's not

(15:56):
the only reason this team has been underwhelming. I think
all year they've just never really looked to me other
than the Miami game. And it wasn't just because it
was Miami and that was a game against at the
time the number two team in the country. But they
played pretty clean football and avoided goofs and took advantage
of mistakes the other team made. And they didn't make

(16:18):
a lot of colossal mistakes on their end. I mean
they did, but they made up for it with taking
advantage of a bunch of interceptions that Carson Beck threw.
So outside of that, really, in every game, they just
haven't looked polished. They haven't looked like a team that
really has a true identity. And there were at least
three wins they've got this year that I think you

(16:40):
could easily say, well, hey, they were for you know,
this play didn't go their way, they lose, and look,
that's sports, that's that's how it works. So sometimes you'll
hear people say, well, you know we did win those games,
so they you know, it doesn't matter. And if you
lose a game, you say, well, hey, if this play
just breaks our way, we win. So and look, people
can view it however want to view it. But for me,

(17:02):
not only have they had some wins this year that
could have easily been losses. In the losses, they've really
done the same things, just mistakes that if you make them,
you can't be surprised at the end of the game
when you lose that those impacted your likelihood of winning.
But back to back weeks, the ACC championship still in reach.
And if you just hold on to beat cal in overtime,

(17:25):
and if you just hold on to beat Clemson, you
had the ball with twenty nine seconds. I'm sorry, you
had the ball at the twenty nine yard line after
Clemson fumbles the punt attempt and you somehow didn't get
any points. You backed yourself up with penalties. Jeff decided
to switch kickers, which I thought was a head scratching move,

(17:45):
and you lose both those games. You're now sitting with
three losses but just two games left, and I think
right now Kentucky fans are looking at this says okay,
let's just salvage what we have left and went out.
But more importantly, let's just not lose to Kentucky. And
I think if you're Kentucky, you probably assume you're getting
Mark Stoops back, right. I mean, he's got five wins

(18:06):
and they could easily lose out and there'd be criticism
towards Stops if that's the case, but he did enough
in the eyes. I would imagine of the one guy
who makes the decision here, and that's Mitch Barnhardt. But
if you're Kentucky, you're probably just thinking, Okay, let's we
don't really have any chance of doing anything special. Maybe
they do get to a bowl game, but like they'll

(18:28):
they'll probably lose to Vandy because Vandy's a good team.
They'll probably lose to Vandy this weekend, and that can
and that'll mean that they they need the Louisville win
to get to BAWL eligibility. But I think from the
fans standpoint, maybe they will go to a bowl game
and have a good time, but they'll just be looking
at a chance to to ruin Louisville's season officially, right
like what was already going to be looking at this

(18:48):
as the season of missed opportunities because of just two
overtime home losses that shouldn't have happened, and another loss
this past weekend that really was just a game you
had to try to lose. It seemed so we could
be getting to the Governor's Cup matchup in a couple
of weeks and it being a game where Kentucky's got
nothing to lose and they really don't, and for Louisville,

(19:10):
it's just Okay, we know this was a letdown year.
We know this is going to be a year we
look back on and say, man, we had it right there.
We didn't even really have to be much better than
we were. But if we just played a little cleaner
we could have been. I mean, maybe a team that
goes undefeated again. It's what it could have should have
You didn't do it. You are who you are. But

(19:32):
if you be Kentucky at the end of the year,
we all know that'll that'll that'll definitely make things a
lot better. That'll be a lot better to look at
a nine to three season than an eight and four season.
I mean, look, you could go seven and five because
obviously you're you're underdogs this weekend at SMU. So uh,
we're talking about both of these programs and in this
game a lot differently now than we were three weeks ago,

(19:55):
that's for sure. All Right, we've got a quick update
of trafficking weather coming your way. Let's throw this into
the pool of topics we've had where I'm not sure
I needed anybody to confirm it, but thank you. We
now have consultants that have done a deep dive analysis
for us to let us know that Louisville needs a
new jail and they also need a detention center. I

(20:19):
think we knew that, did we. All right, don't go anywhere,
keep it locked right here it news Radio eight forty whas.
Good Monday morning, Kentucky. Anna. Thank you for hanging out
with us here at news Radio eight forty whas. It
is coffee and company with you, and we are fueled
by Thornton's I'm starting to see more and more Christmas
lights up out in our neighborhood, and I don't feel

(20:40):
like there's as much resistance as there used to be.
When it comes to those that just think it's a
sin to acknowledge that Christmas exists until we get past Thanksgiving,
I'm not sure. So you'll still find people, but I
feel like there's not as many. They're out numbered at
this point. And I get it. If you are somebody
that just isn't into Christmas, I can't relate. But everybody's different.

(21:04):
So what I would say, and I can't speak for
anybody but myself, but if you are someone that loves
Christmas and you're turning the page to the season as
soon as we get to November when Halloween ends, again
only speaking for myself, but it doesn't mean you don't
like Thanksgiving and you're trying to just make people forget
about it. Let's put the Christmas tree up, let's put

(21:26):
the lights up around the house, and let's just hope
that everybody forgets that we have Thanksgiving. Nobody's doing that, right,
It's just, you know, it's a feel good season for
a lot of people, and if you choose to really
enjoy it and celebrate it throughout November and December, and
you still can, of course enjoy Thanksgiving along the way.

(21:48):
I mean I think that's the best of both worlds.
But that's just me. You're not anti Christmas at all, right, John.

Speaker 2 (21:53):
No, I'm not anti Christmas. I think the one thing
that's just strange about the thing.

Speaker 1 (21:57):
I shouldn't say anti Christmas, but I mean anti Christmas
Christmas festivities pre Thanksgiving.

Speaker 2 (22:02):
I think the one thing that just kind of throws
me off sometimes is those who I think it's a
very drastic change to go immediately from Halloween on October
thirty first to Christmas on November first, because the how
those two holidays are so different from each other.

Speaker 1 (22:18):
It is until you start doing it every year and
then it becomes normal.

Speaker 2 (22:21):
Nothing that I think this bothers me more than people
who put up Christmas lights super early. It's those who
put up Halloween decorations in like August, and there are
people that do that. Yeah, So.

Speaker 1 (22:33):
It's one thing to be ahead of the game. It's
another thing to be a little too early, I guess.
But people can resist it. It's growing, it's growing. There's
more of us developing every day to where they're willing
to just embrace Christmas before Thanksgiving. Because again, let's just
say it out loud, folks, you can enjoy both. You know,
if you are somebody that decorates your house for Thanksgiving,

(22:55):
then I get it. Like my mother does that, and
it's a great setup. I feel like we're celebrating Thanksgiving
when I'm at her home on Thanksgiving because of the surroundings,
the atmosphere. But also, you know, if you don't do that,
because let's be real, way more people put a Christmas
tree up than they do get anything out of their
house to celebrate Thanksgiving.

Speaker 2 (23:15):
So you can do both.

Speaker 1 (23:16):
And I think I may have just put it out
there and I don't want to take credit for it,
but how can you defend that you can celebrate. No,
nobody's trying to get rid of Thanksgiving, because that's the
pushback you get, is that people Thanksgivings like this underappreciated
stepchild that gets no attention, no love, and it's just
you know, forgotten and abused. No, it's not that at all.

(23:38):
It's not a disrespect to put to Christmas tree up
and still celebrate Thanksgiving. And look, Christmas is a season,
it's not just a day in Thanksgiving. It's awesome love
it no better day to eat. In fact, I think
sports is that it's best during the Thanksgiving holiday that Thursday,
that Friday, that weekend. But I choose to view Christmas

(24:01):
as a season, and my window, you know, my season
is a little longer, I guess than others. And I
get it if you're someone that wants to wait, but don't.
Don't you dare accuse me of not appreciating Thanksgiving because
I've got my Christmas tree up.

Speaker 2 (24:14):
That's I will say personal. I only want to say
this though. One thing I love about the way that
we've started doing hours the last couple of years. Our
new tradition is Thanksgiving night, after we get home from
Thanksgiving dinner, that sort of thing, that's when we put
up the Christmas decoration. So it's when you have it
on a specific day, when you put everything up. I
think it adds a level of anticipation that you really
don't get.

Speaker 1 (24:34):
Yeah, like your day is that day, My day is
just you know, whenever the trick October twentieth, maybe you
know thirty first, when the trigger treating is. Whenever that is,
that's that's when we go into full Christmas move.

Speaker 2 (24:44):
Will they're eating their candy, you put up the decoration.

Speaker 1 (24:46):
So I'm sure if that's what you guys just establish
as the Alden family routine. It'll stay that way, and
that's a beautiful thing. But I also wouldn't be shocked
as Daisy gets older and you see how much she
loves Christmas, you might be going Christmas three sixty five
a year, because that's like I was reborn as a
Christmas lover. When when my kids got old enough to
really like expo like really appreciate, not just of course,

(25:07):
like you know, I mean, they've been opening presents for
a while, but like right now, you kidd me, all
my kids talk about is Santa and the Grinch, and
I love it. I get to experience Christmas again kind
of like a kid, but from you know, a different
a different part of the process. So again, I guess
I'll use the platform to my to my advantage here.
Just let people know stop accusing us that love Christmas
in November. Its people that don't like Thanksgiving. We're thankful,

(25:29):
and I'm so thankful that I put my Christmas tree
up whenever I want to, because that's that's the ability
I have, and nobody can tell me I can't do it.
All right, We've got a sports update coming your way
stick around right here on New his radio eight forty
whas