November 16, 2025 • 37 mins
Deeper Dives: The “No-Buy Trend” is a departure from daily consumerism. In California, the average cost of living is more than $64,000 annually. There are also trends called “No-Buy 2025” and “No-Spend November,” aimed at bringing awareness to your wallet and freezing finances in a bid to save money. Tiffany talks to listeners about how they’re saving their dosh.
#nobuytrend #costofliving #NoSpendNovember #savingmoney #nobuy2025 #overspending #TiffanyHobbs #BetterBusinessBureau #brushingscam #qrcode #phishingportal #malware #BBBscamtracker #TiffHobbs
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Episode Transcript
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Speaker 1 (00:00):
You're listening to kf I A M six forty on demand.
Speaker 2 (00:14):
Now it's time to get on Saturday. She goes into
detail on a topic. Sure understand, it's.
Speaker 3 (00:32):
Time on topics. Wait, Jimney Senior something from Kifney's d
did on.
Speaker 2 (00:46):
Somethings from Jiffney's.
Speaker 3 (00:48):
Deeper Dies Dived on topics with Jiffney A Senior learn
somethings from Jiffney's Deeper Josh.
Speaker 4 (00:59):
Has he Hey if I am six forty live everywhere
on the iHeartRadio app, I am Tiffany Hobbs filling in
here until four pm for Andy Reismeyer. And this is
our Deeper Dives segment, brought to you by that wonderful
tune from Eric Lesardo, who is always so gracious and
so available and made that for us and I love it.
(01:22):
I hope you do too. Let's jump into our Deeper
Dives segment. Living in Los Angeles is expensive. Everyone knows that. Again,
we were talking about tariffs, we were talking about sticker shock.
Speaker 2 (01:35):
I mentioned the price of wine going up.
Speaker 4 (01:37):
But that's just one of many, many, many examples of
the expenses that we incur on the daily, weekly, monthly, yearly,
and Earlier this year, a group of people online decided
that they were going to start a trend, and they
hoped that more people would involve themselves in it, that
(01:59):
they would participate as well.
Speaker 2 (02:01):
There are a lot of trends online.
Speaker 4 (02:02):
Some are downrights stupid and Darwinism loves it, and then
there are others that are more or less helpful. I
think I'm hearing something in the background there, Mario. But
this particular trend is called the no buy trend, and
that no by trend is supposed to be a departure
(02:23):
from the daily consumerism that we involve ourselves in. And
I don't know how you can depart from daily consumerism,
but these people decided that they were certainly going to try.
And before we get into the how they did it
or how they're doing it as twenty twenty five still
has a month and a half out, let's do a
(02:43):
little deeper dive into some of the metrics about our
spending habits right here at home in California now, according
to so far, not the Stadium, but the Consumer Bank,
as of twenty twenty four, the average cost of living
in California tops out at about sixty four thousand, eight
(03:05):
hundred and thirty five dollars per year. That's the average
cost of living, not the average salary, not the average
insurance premium for a family. No, this is the average
cost of living for an individual in California top to
(03:26):
bottom sixty eight hundred and thirty four dollars, which when
broken down further amounts to about five four hundred and
three dollars per month the average. Of course, there are
higher higher expenditures. Of course, there are some of us
who are maybe able to survive on less than that,
but the average is a lot, and of course it
(03:46):
includes your mortgage, your rent, utilities, food, extras, surprises, maybe
not all surprises, but it's a lot. When people visit
California and obvious sleep people do.
Speaker 2 (04:00):
They love it here. They visit regularly.
Speaker 4 (04:04):
One of the things that people do is they go
online or they ask their friends what should I bring?
How much should I bring? They bring their clothes, they
bring their trinkets, and then they say how much money
do I need to survive daily during my trip to California?
And online answers average between forty dollars and sixty dollars,
(04:26):
and that's average for some that might be on the
low end, but that's for people who are eating out.
That's not even necessarily including entertainment. But forty to sixty
dollars and not spending forty to sixty dollars per day
is what the no by twenty twenty five trend wants
you to do. It wants to fight against consumerism. It
(04:49):
wants to convince you that you don't need to purchase
more and more and more.
Speaker 2 (04:55):
Now.
Speaker 4 (04:55):
It's a difficult trend, but those who are partaking say
that it is in empowering to follow it, and that
those who are in it have cut down on unnecessary
purchases and have been able to save money and pay
off debt. Their social media groups that boast tens of
thousands of members who say that they're participating in this now.
(05:19):
They still have to pay their regular bills, their main bills,
they have to have the roof over their head, pay
for their vehicle whatever it may be, insurance, groceries, but
they're saying when it comes to the no buy, they're
not buying anything they don't need now.
Speaker 2 (05:34):
Need is subjective.
Speaker 4 (05:36):
You might think you need those new shoes, but the
no by trend is saying you don't that you can
make good on what you have, and the only things
that you should be paying for are the barest of necessities.
One of these participators says it has helped them get
their spending under control. It's helped them stopped compulsively buying things.
(05:58):
It's helped the Amazon packages stop arriving left and right
at their doorstep. It says, it helped them break those
habits by going into a no buy challenge. They're not
buying clothing, beauty products, perfume, jewelry, technology, home decor or books.
Goes right against the Christmas trend. I was just encouraging
(06:19):
all of us to participate in go out and get
yourself a traditional Christmas tree and decorations. They're saying, don't
do that if you're participating in No Buy twenty twenty five.
They're also only allowing themselves to order takeout, perhaps maybe
once a month. Those are some of the extras. There's
wiggle room in this trend. But again, the trend is
(06:42):
supposed to push you toward not buying unnecessary things, of
which many of you might be saying, that's not a trend.
Speaker 2 (06:48):
That's how I live my life.
Speaker 4 (06:49):
But for some people, they don't live that way they
are high consumers. Some people might consider this trend as
a bit extreme. They might call it stressful, but those
who are participating say, what's more stressful, participating in a
no by trend or having exorbitant debt?
Speaker 2 (07:08):
They say it again, it's helped.
Speaker 4 (07:09):
Them pay off things like student loans and online there
are tons of individuals lamenting how this trend has saved
their lives, saved their marriages, helped empower and strengthen their families.
If you want to involve yourself in this, you don't
have to join a social group or social media.
Speaker 2 (07:29):
You can just do it.
Speaker 4 (07:30):
And even though it started back in January, some people
are jumping in now. There's something called no Spend November,
and while we're a little over halfway through the month,
I'm going to tell you what no Spend November is
and how it aims to help you with your finances
this month, and perhaps if you want to continue it
(07:52):
through the rest of the year. I'll tell you more
about that in the conclusion of our deeper dive segment
on the other side of the break in a little while,
we might even take some calls about what you're doing
today in the rain is it raining where you're at.
Maybe we'll take a few live calls that'd be after
Deeper Dives. After three point thirty you're listening.
Speaker 1 (08:12):
To KFI AM six forty on demand.
Speaker 4 (08:16):
Now we've been in our Deeper Dives segment and we're
talking about this trend that's started in January.
Speaker 2 (08:24):
It's still going.
Speaker 4 (08:26):
It's called the no Buy twenty twenty five trend or challenge.
It's all about not buying unnecessary items, services, daily, weekly, monthly,
whatever it may be. Of course, you can buy the essentials,
and again, essential is subjective. You might think, or I
(08:46):
might think that bottle of wine is in fact necessary,
but the no by twenty twenty five trend says it's not.
You only need to basically eat to live and not
necessarily entertain yourself and keep a roof over your head,
keep your vehicle kept up, whatever it is. But you
don't need to spend on the extras. For go that cologne,
(09:10):
or forego that excursion or vacation. Down to again, more
minute things like clothing or beauty products, hygiene products that
you don't need. They're saying, get what you need, kind
of put it aside.
Speaker 2 (09:26):
I guess, stock.
Speaker 4 (09:27):
Up and then don't replenish because you need your hygiene products.
Speaker 2 (09:31):
Don't you dare include and.
Speaker 4 (09:32):
No Buy twenty twenty five a lack of hygiene products.
Speaker 2 (09:37):
I will not not judge you for that.
Speaker 4 (09:40):
Make sure you buy that, but they are saying you
don't need all the extras that. If you participate in
no Buy twenty twenty five, you can undo a lot
of damage you've done to yourself economically. You can pay
off loans that have been sitting there, you can put
money aside for funds that you might want to tap
into or surprise things that may show up. And if
(10:02):
you found that you weren't able to get involved in
the no by twenty twenty five trend back in January
earlier in the year, there's another entry point into saving
your money, and it's called no spend November.
Speaker 2 (10:17):
I think you've heard of no Shave November.
Speaker 4 (10:20):
That's what men do, maybe some women, but no shave November,
and that's in an effort to help bring awareness to
it's some ailment. But this is no Spend November, and
it's supposed to bring awareness to yourself and your wallet.
And it is pretty self explanatory. You're not going to
(10:41):
spend anything in November. You're going to freeze your finances
for the entirety of the month. And there are people
who are saying that there are different ways that you
can do this, and first of all, it takes ironclad
will power and some practical preppers. One person said they
(11:02):
went for this is for no spin November. They went
on an extra large grocery run and they made short
to stock up on things that were non perishable, maybe
more expensive, like your paper.
Speaker 2 (11:14):
Towels, toilet tissue.
Speaker 4 (11:17):
Again, hygiene products or food that could be stretched out.
They said that they replaced some of their staples for
their makeup ahead of time.
Speaker 2 (11:29):
They treated themselves.
Speaker 4 (11:30):
To one last massage or one last manicure and decided
that for the entirety of the month they wouldn't get
another massage or manicure. Some of these seem a little opulent,
I imagine, but they also said that they went ahead
and replaced things that needed to be replaced, that it
really spurred people into action. They looked around their homes
(11:54):
or at themselves and said, what do I need to
fix that I've been putting off, or what do I
need to purchase that I've been putting off that I
can do now in an effort to not necessarily overspend
for the entirety of the month. Now, others say it
doesn't really mean not spending anything. Again, there are ways
(12:17):
around it. They're leaving wiggle room. There's a wiggle room
and no buy twenty twenty five in no Spend November.
But they made short of note that you gotta separate it.
You gotta list out what you really truly need and
what you don't you need. You need the gym membership,
(12:38):
they said, you can keep that. And sometimes they even
said that if you don't necessarily go to things that
perhaps you have a membership too, say it to a
gym and you miss a class, or say it's something
in which there's a financial penalty if you miss a payment,
pay it so that you don't get a charge for
that missed payment. They say, you need your inner Netflix, eh, eh,
(13:04):
I say keep it.
Speaker 2 (13:06):
There's some good stuff there.
Speaker 4 (13:07):
I told you about that documentary at the top of
the show that's about No I can't find it, but
there's a wonderful documentary coming out in December. First about
the bedrooms left behind for children who were victims of
school shootings. They say, you need your Microsoft three sixty five.
Those of you who may work at home, you need
(13:28):
some of these services online. For men, they say, men,
you might want to keep your subscription to Dollars Shave Club.
Women you want to also make sure those beards that
are coming in are right as well.
Speaker 2 (13:41):
Dollars Shave Club.
Speaker 4 (13:43):
Keep that, they said, keep your altruistic contributions, your donations,
make sure that you keep those up, but that you
might not necessarily need to keep other things. You also
have to keep gas and gases going up alive, so
maybe make sure you stock up.
Speaker 2 (14:03):
They're saying.
Speaker 4 (14:03):
Also, if you can maybe walk to work, of which
I say, where do these people live? I can't walk
to work, but others may be able to, Or they say,
take public transportation, of which all of us in LA
collectively screamed absolutely not.
Speaker 2 (14:20):
Again.
Speaker 4 (14:20):
There are some other exceptions, miscellaneous expenses, perhaps cultural and
religious expenses, but for the most part, they're saying, a
lot of us are hoarders and we don't necessarily know
it or acknowledge it, and we bye bye bye because
we can, and not just hoarding of things, but just
(14:43):
going out and spending a lot of money. Think about
what you spend daily. Take a moment asking you to itemize.
It's not an easy question and it will probably reveal
some concerning habits. But think about what you spend daily,
and then think about what you could potentially save if
you cut those things out. Those of you who have
(15:04):
those daily Starbucks habits six dollars for a cup, you
do that daily, do the math if you cut that
out or prepare it at home, perhaps you can save
some money. I don't know. I'm not trying to be
in your wallet, but I am trying to encourage those
of us to maybe be a bit more reflective. And
that's what No by twenty twenty five and no Spend
(15:26):
November aim to do. Mario, I'm gonna ask you a question,
what ah ringing of the hands? Do you feel that
you spend a lot of money kind of on things
that you don't need?
Speaker 5 (15:43):
Yes, ooh, I appreciate the vulnerability, by the way, and
the honesty, but I have been doing it on a
financially responsible planet budget wise okay, But what I have
gotten even if I'm not under budget and I still
spend on what I essentially don't need, this would have
(16:06):
been nice to still have that extra money and not
spend what I spend money on.
Speaker 4 (16:10):
Well, okay, safe answer. What could you cut out? I've
been thinking about that this whole entire time. I haven't
I haven't thought of something yet, but I'm sure there's
something there that I could cut out. Eileen, do you
feel that you do you feel that you are an overspender?
Speaker 6 (16:33):
I am not at all, believe it or not. I
am so like pragmatic. Oh I if I want to
shop for something, I'd ask myself two questions.
Speaker 2 (16:42):
Do I really love it or do I really need it?
Does it bring you joy?
Speaker 7 (16:46):
If it? Yeah?
Speaker 6 (16:47):
Yeah, It's like because I used to shop like, I'd
find bargains. I'm like, oh my god, this is a
great bargain, and I would buy everything that I didn't
need because it was a bargain.
Speaker 2 (16:56):
Oh okay, yeah.
Speaker 6 (16:57):
So now and if I really want something now, I'm like,
I'm not I can get it. If I keep thinking
about it.
Speaker 2 (17:01):
I'll come back and get it. Got it.
Speaker 4 (17:03):
Got it has to bring you that sort of intrinsic joy.
Speaker 2 (17:06):
Yep, exactly.
Speaker 4 (17:07):
Is there anything you feel like you could cut out
now from your bills that you don't need a subscription
or anything like.
Speaker 6 (17:12):
That you mentioned Netflix. And the truth is I really
don't watch a lot of TV. So I could, I
could get rid of Netflix, I'd be all right.
Speaker 4 (17:19):
Okay, Netflix is really upset at this segment right now.
By the way, Sorry Netflix, Sorry, not sorry.
Speaker 2 (17:24):
Sorry, not sorry. But I did watch it last night.
Speaker 4 (17:26):
There you go once in a while. Yeah, you can
use someone's password. I didn't say that, Netflix, Nikki. Do
you feel that you are an overspender?
Speaker 2 (17:37):
I'm more like Eileen. I'm a save, not a spender.
Oh wow.
Speaker 8 (17:41):
But what I will spend money on is experiences, not things.
I am not a consumer at all. So I love
when I can. I like to travel, and I like
to go out on the razzle dazzle. But I'm not
out shopping every day buying things. You know, it's just experiential,
(18:01):
experiential spending for me.
Speaker 2 (18:03):
Got it, got it?
Speaker 4 (18:05):
You know what. Let's actually make this our question. Let's
ask you and you can call in and let us know.
Eight hundred five two oh one five three four eight
hundred five two oh one five three four Are you
an overspender? Do you find that you're purchasing too much?
Did this make you reflect? And is there anything that
you can cut out now that you're considering it, Are
(18:26):
you like Mario or you're like, hmmm, I think I can,
but you're cryptic about it. He doesn't want to tell
us what he wants to cut out, but call in
eight hundred five two oh one five three four. I
love to talk to you and let us know. Are
you an overspender and are you thinking about getting rid
of some of those expenditures. We'll talk to you on
the other side of the break. KFI AM six forty
(18:48):
Live everywhere on the iHeartRadio app again that numbers eight
hundred five to two oh one, five three four.
Speaker 2 (18:54):
Can't wait to talk to you.
Speaker 1 (18:56):
You're listening to KFI AM six forty on demand.
Speaker 4 (19:01):
Filling in for Andy Reismeyer on this lovely somewhat dry,
somewhat rainy Sunday and Chris Merril will be here at four.
We'll talk to him after the break. But now we
want to talk to you. So I asked a question
because we were talking about our Deeper Dives segment No.
By twenty twenty five, A trend started in January. It's
(19:21):
all about not spending things that are unnecessary. Unnecessary as
subjective but ultimately saving money, not being exorbitant, being more frivolous,
being more responsible, blah blah blah. And there is another
entry point into no by twenty twenty five. It's called
no spend November. So if you miss the kickoff of
(19:44):
this trend, then you can join it in November and
do one month kind of a soft launch instead of
doing a full year. So I asked you to call
in to share do you feel you are an overspender
and if so, why and what could you maybe cut out?
I think we have Steven on the line.
Speaker 7 (20:05):
Oh yes, Tiffany, And this is really a good subject
to talk about. I mean, you know, we're you know,
you hear all of these politicians. It's like talking heads,
and all they talk about is like they don't accomplish stuff.
They say, Okay, the cost of living, and it's always
about the cost of living. But then I see that, Okay, well, okay,
the first thing you do then pensions. You don't tax
(20:26):
the pension. Okay, Okay, that's the first thing. Okay, I
solve that problem. I'm not even a government official. You
don't tax solid security by the government official. Okay. That's
the second thing. And the third thing I would do.
I would say that we have to do more of
like sharing. Okay, if like let's say you need a car,
then it's called you share your car, all right, and
(20:47):
we share, we share it, we barter, all right, okay,
like and it's like with me. Okay, I was a
union worker, and I did you know I've worked for
the Chinese. Was a slave in the machine for the Chinese.
I hope you're hearing this Los Angeles, all right, the Chinese,
the Chinese. Obviously the Chinese, they know they can get labor.
(21:10):
And I was alongshoreman.
Speaker 4 (21:11):
Well, let me bring it back to your Let me
let me bring it back to your spending habits, Stephen,
because you gave some really great points and you said
not a government official, but perhaps we need you in
city government, local government. Because you'd said no tax on
pensions and things like that that a lot of people
are hearing. What about you personally, your weekly monthly spending habits?
Are you spending too much? In your honest opinion? How
(21:35):
do are you cutting back? What are your spending habits?
Speaker 7 (21:39):
Like? Okay, this is a good topic because my spending
habits I used to say, Okay, I want to go
see a really great concert, something that's going to be
a fun thing to do. And now those cultures, it's
like two ninety nine.
Speaker 2 (21:50):
Yeah, one night I've seen that.
Speaker 7 (21:52):
Okay, oh oh oh, okay, right, that's for one ticket. Okay,
I can't do that anymore. Then I've thought, oh, you know,
it'd be kind of nice maybe to go like to
one of these amusement parks. Okay, let's go to a
wild country safari. All right. Oh, you show up there
and it's over one hundred bucks just to get in
with that's a lot o parking. And then parking they
(22:15):
don't do anything for parking, they just collect the fee.
That's another like forty fifty bucks. Okay, So I don't
go to amusement parks. I'm cutting back on that. And
then I wanted to go to a national park and
my freeing government's closed and no one's walking.
Speaker 2 (22:32):
Well, it's back open now, so you can go.
Speaker 7 (22:36):
Right right. So now I want to I want to
enjoy things that are America has said, look at we've
got all these great things to do, go to a
national park, but you've got to then, you know, make
the effort to get there. All right. But now, like
you say, now, okay, things are open and blah blah
blah blah blah. You know we're doing a little bit bit.
(22:57):
You lie made you. I love it.
Speaker 2 (22:59):
I love it even I appreciate your tips.
Speaker 4 (23:01):
I'm sure there are lots of people out there, especially
those who are union workers like yourself.
Speaker 2 (23:05):
Thank you for that. Who who that resonated.
Speaker 7 (23:08):
Sixty dollars a month? You tell me, how do you
live in sixty How do you do that?
Speaker 4 (23:13):
Yeah, well, sixty five thousand dollars a month would be
a lot, but you mean per year. I imagine that's Yeah,
it's very little, very very little. And unfortunately that's the average,
which means there are more people who are trying to
than are not. Steven, I gotta run. Thank you so
much for calling in and for listening. I hope you
have a wonderful and somewhat dry rest of your day.
Speaker 7 (23:32):
Yeah, you keep up the good work.
Speaker 2 (23:33):
Thank you so much. Take care bye. Do we have
anybody else in there?
Speaker 5 (23:38):
Mario?
Speaker 4 (23:39):
That was our Stephen was our our lone ranger, our
lone brave soul who would talk to us about his
spending habits, and like Mario, he still was a little cryptic.
He didn't fully get into the nitty gritty, and maybe
that's a man thing. The women are like, I buy
nails and shoes and this, and the guys are like,
I spend. I spend some money. I got to cut back.
And it's like, we're asking for your list, Mario, what
(24:03):
can you cut back on?
Speaker 2 (24:05):
Mario?
Speaker 5 (24:05):
Okay, I'm not making this up. Two nights ago, I
bought some more shoes from Nike.
Speaker 4 (24:09):
Shame I did that today. I know online And that's
that's where I get you. That the convenience of being
able to buy things whenever you want them, that one
click buy is just there you go.
Speaker 5 (24:23):
Some colors came back and they were on clearance and
I'm like, oh, I wanted these months ago, and the
colors are back, so there I go.
Speaker 2 (24:29):
Have they been delivered yet?
Speaker 7 (24:30):
No?
Speaker 2 (24:30):
I barely ordered them a night or two of lie.
Speaker 4 (24:32):
Should you cancel them to save money for no buy
or no spend November?
Speaker 2 (24:36):
Or do you want to do that? Mario?
Speaker 4 (24:37):
We're already half weight done with the money. Like it
missed me, It passed me by fair. I'm judging you, right,
We listen, we don't judge. That's what the kids say,
all right, Mario, you're safe for now. When we come back,
we're going to talk about another way in which your
money is at risk. Scammer's Gonna scam. Is gonna talk
(25:01):
about a scam for holiday shoppers. This is prime time
for scammers, and it has to do with getting packages delivered.
Mario and I are talking about getting packages delivered, and
this scam is praying on that.
Speaker 2 (25:18):
It's praying on you. It wants your money.
Speaker 4 (25:21):
Let's talk about it on the other side of the break,
and we'll talk to Chris Merrill and see what's going
on on his show. Ok If I Am six forty
Live everywhere on the iHeartRadio app. Tifany Hobs here for
one more segment, filling in for Andy Reesmeyer.
Speaker 2 (25:32):
Today.
Speaker 1 (25:33):
You're listening to k if I Am six forty on demand,
Scammer's Gonna Scam?
Speaker 4 (25:50):
Okay if I Am six forty Live everywhere on the
iHeartRadio app. Tiffany Hobs here for one more segment. We're
gonna talk to Chris Merrill in a moment, but before
we do, we have Robert on the line, who wants
to tell us a little bit quickly about a cost
that he has a huge problem with you do two?
Speaker 2 (26:07):
What is it? Robert, Robert, are you there there?
Speaker 4 (26:11):
You are?
Speaker 9 (26:12):
Yes, yeah, I'm here now. It's mainly unplanned events that
involve having to go to the dentist and getting tooth
extraction and then implants which are pushing real hard over dentures.
That is, like I said, unplanned stuff, along with just
(26:36):
the cost of your groceries and if you dare to
buy meat lately, and you see it's a third more expensive,
and then so goes it for so many items that
we use every day. Just living in certain areas of
the state down here in the south where you've got
(26:59):
h o as or mellow roots or some sort of
dimunity fee. I'm nearing three years before retirement and choaps
of our a junk twenty percent last three years? Can
we live where we're living after retirement when we're really
(27:21):
on a you know, a certainly affixed income. I don't
care what side of the political scope someone's on there,
all it's all the same rhetoric, but basically, you know,
just to breathe and live somewhere. It's noticeably more expensive
(27:44):
than it was, say three four years ago, and it
was more expensive than ten years ago. It's not going
to go downhill. It's going to continue. My biggest concern.
Speaker 2 (27:55):
You're not wrong, Robert, You're not wrong.
Speaker 4 (27:57):
And I'm sure a lot of people are are class
for you right now and shaking their heads and approval
because you represent most of the populace here, including myself,
who say it's just everything is just too damn high. Robert,
thank you so much for calling in and for listening,
and I hope you find some relief soon.
Speaker 2 (28:16):
Thank you so much. Thank you, Timmy, You're most welcome.
Take care. We have Chris Merrill on the line.
Speaker 4 (28:24):
Yeah, hello, Chris Merrill. Hey, honey, you're expensive. I can't
afford you. Well, yeah, well, I never cut you out.
I know.
Speaker 10 (28:37):
Funny as we get old, my wife and I, you know,
we'll have different medical maladies, or we'll do something dumb,
you know, shoot back my car into a post. I'll
back my car into the garage door or something like that.
And it's funny we say that. We will go you're expensive.
See you're expensive, See you're expensive.
Speaker 2 (28:53):
Worth it? Kind of.
Speaker 10 (28:57):
At the time, we always.
Speaker 4 (28:58):
Question and I know what you are. You're invaluable and
we're lucky to have you. What's going on on? Your
show tonight.
Speaker 10 (29:08):
So I'm so glad you know you've got your scammer's
gonna scam.
Speaker 2 (29:11):
I'm gonna get into it. Yeah in a moment.
Speaker 10 (29:13):
Yeah, Yeah, I've got some scammers going to high tech
scam pull me up at five thirty tonight. So that's
that's a big well dive into the Epstein files, and
there still remains this amazing question, like if there's something
about Trump in there, why didn't the Democrats use it? Yeah,
there's something about the Democrats in there? Why isn't Trump
(29:34):
using it? Yeah, So we are going to ask the
question for the talk back tonight is what do you
think is in the Epstein.
Speaker 2 (29:41):
Fi Oh you're brave, Oh, you're brave.
Speaker 10 (29:44):
I can't help but to think that it's mutually assured
destruction for political leaders. I mean, it's the only explanation
I can come up with, right, unless there's some sort
of classified something or the rumors about him serving as
a spy or sharing state secrets.
Speaker 4 (29:59):
I didn't know what you were going say. After you
said serving it, it made me nervous.
Speaker 2 (30:04):
Stop, I didn't know. This week has been rough.
Speaker 10 (30:08):
Wow, it has been a long week.
Speaker 2 (30:10):
Yeah.
Speaker 7 (30:10):
I believe that this time last week the government was
still shut down.
Speaker 2 (30:13):
You know it. I feel like it was a month ago. Yes,
isn't that crazy?
Speaker 4 (30:18):
Too much news this week that we didn't ask for,
but that we deserve. You stayed dry, I did. I'm
going to continue to try because it's coming back.
Speaker 2 (30:26):
It's coming back.
Speaker 10 (30:27):
Oh, all the stories like the tree falling on the
car boo.
Speaker 2 (30:32):
We survived the storm of twenty twenty five.
Speaker 10 (30:35):
We will rebuild.
Speaker 4 (30:36):
We will rebuild soft soft pansies.
Speaker 10 (30:39):
A little bit about that. We'll talk about the Lakers
probe that's going on, and of course, uh the lawmakers,
the lawbreakers at the times that there ought to be
a law la Low coming.
Speaker 2 (30:47):
Up before thirty.
Speaker 4 (30:47):
I can't wait to listen on my way home, Chris,
I just I adore you so much.
Speaker 2 (30:52):
You, Oh, I adore you. Believe you're worth it. You're
like Fabling, You're worth it. Oh, merrily very good bye. Chris.
Scammer's gonna scam.
Speaker 4 (31:04):
Let me tell you about the latest scam that you
should be aware of, because this is one that practically
everyone can fall victim to.
Speaker 2 (31:13):
If you have a porch, if you have a.
Speaker 4 (31:17):
Place in which your packages arrived to when you order
if you know you've ever ordered anything online, then you
are the target for this scam. And the sucky thing
about it is it's happening with you just existing. That's
the sucky part. What it is is the Better Business Bureau,
the BBB is telling us all in a very alarming
(31:39):
way about a sharp rise in something called brushing scams.
Brushing scams. I don't know how they name these scams
or where these names come from, but at any rate,
a brushing scam is where a consumer like you receives
an unordered package.
Speaker 2 (31:59):
You go, so, WHOA, I got a present?
Speaker 4 (32:02):
A package comes to you and you open it and
you go, I didn't order this?
Speaker 2 (32:07):
Wait, what's this? Who ordered this?
Speaker 4 (32:10):
And before you know it, you're so involved in the
question that you forget that if it has anything in
there that requires you to use your cellular device to
track or scan, then it probably is a problem. These
packages contain a QR code. Those are those square, squiggly
(32:32):
line codes that you can scan with your phone, and
it exposes your personal information and or can compromise your
phone or tablet whatever you use to scam. Brushing scams
target anyone who shops online. That's all of us practically,
and it trusts that you think that the package that
(32:55):
arrived at your doorstep or at your mailbox is in
fact it's yours. In other words, everyone's vulnerable. Here is
a typical brushing scam example. The scammers will ship an inexpensive.
Speaker 2 (33:11):
Product to random addresses.
Speaker 4 (33:13):
So you get a box of whatever issue inexpensive product, okay,
And it will sometimes include inside of that box a
QR code or phony return instructions because you see it
and you go out and order this, and if you
didn't order it, and you're the type of person to
send something back, then that will give you the instructions
(33:36):
to do so. Now your identity is then compromised because
when you are filling out the return information, whether digitally
or by the return label, whatever it may be, your
identity information goes into that without your consent, and there
you go, You've now been taken. When scanned, the these
(34:00):
codes often linked to convincing but fake order tracking websites
or phishing portals. pH phishing not f the kind that
look to extract your unique and personalized information and it
aims to gather sensitive information or install malware on your smartphone.
(34:23):
Oh my gosh, and these scams are up. They are
up forty six percent in twenty twenty five compared to
twenty twenty four. They're saying it reflects a troubling escalation
in both scale and sophistication because they know how to
(34:43):
do this in a way that's so covert and so
sneaky that you're gonna fall for it.
Speaker 2 (34:49):
Now.
Speaker 4 (34:50):
Experts are saying that as the holiday season approaches and
you're receiving package after package after package, it's really important
to keep good record of fa everything you've ordered.
Speaker 2 (35:02):
If you are the type of person.
Speaker 4 (35:04):
Who just click by click by click purchase, click purchase,
and you're just your rapid fire ordering, or someone in
your household is, or you have kids or whomever, and
these things are coming to your doorstep, to your mailbox,
to your PO box, whatever it may be, you have
to keep good record of this because if not, you
could fall vulnerable. They are saying, if you receive a
(35:27):
package that you didn't order, resist the urge to scan
any QR code, do not fill out anything to send
it back, check your accounts as well, and report this
package to the Better Business Bureaus scam tracker. They have
a scam tracker online. Just put in the information. Do
(35:51):
not scan these things with your phone or your tablet.
Don't let the kids do it, because the first instinct
is to point a phone at these little codes. Don't
do that because your information can be phished or extracted,
and then you're in a world of hurt, and then
you can't buy Netflix. You won't have Netflix money for
(36:11):
the next month, or Nike money for the next month
like Mario and I or Beautiful Christmas Tree money. That's
been a fun show. It's been great. Chris merrill is next.
I've had a blast sitting in for Andy. I'm sure
he'll be back and he's looking forward to it. I'll
see you here next Saturday from five to seven on
my regular show Saturdays with Tiffany. If you missed any
(36:33):
part of tonight's show, you can go to featured segments,
usually under Saturdays with Tiffany, but we've had a little
switcher roof, so right now it's under featured Segments. You
can get it there. Everything will be on my page
in the very near future. You can also get me
on Instagram at tiff hobbs On here, at tiff hobbs
On here. We can continue the conversation. Thanks to Steven
(36:54):
and Robert for calling in and for listening, and for
those of you who couldn't get through or whose talkbacks
we couldn't play, I appreciate you have a safe and
dry rest of your weekend.
Speaker 2 (37:04):
I'll talk to you Saturday.
Speaker 4 (37:05):
Chris Merril's next kf I AM six forty Live everywhere
on the iHeartRadio app by
Speaker 1 (37:12):
KFI AM six forty on demand
You're listening to kf I A M six forty on demand.
Speaker 2 (00:14):
Now it's time to get on Saturday. She goes into
detail on a topic. Sure understand, it's.
Speaker 3 (00:32):
Time on topics. Wait, Jimney Senior something from Kifney's d
did on.
Speaker 2 (00:46):
Somethings from Jiffney's.
Speaker 3 (00:48):
Deeper Dies Dived on topics with Jiffney A Senior learn
somethings from Jiffney's Deeper Josh.
Speaker 4 (00:59):
Has he Hey if I am six forty live everywhere
on the iHeartRadio app, I am Tiffany Hobbs filling in
here until four pm for Andy Reismeyer. And this is
our Deeper Dives segment, brought to you by that wonderful
tune from Eric Lesardo, who is always so gracious and
so available and made that for us and I love it.
(01:22):
I hope you do too. Let's jump into our Deeper
Dives segment. Living in Los Angeles is expensive. Everyone knows that. Again,
we were talking about tariffs, we were talking about sticker shock.
Speaker 2 (01:35):
I mentioned the price of wine going up.
Speaker 4 (01:37):
But that's just one of many, many, many examples of
the expenses that we incur on the daily, weekly, monthly, yearly,
and Earlier this year, a group of people online decided
that they were going to start a trend, and they
hoped that more people would involve themselves in it, that
(01:59):
they would participate as well.
Speaker 2 (02:01):
There are a lot of trends online.
Speaker 4 (02:02):
Some are downrights stupid and Darwinism loves it, and then
there are others that are more or less helpful. I
think I'm hearing something in the background there, Mario. But
this particular trend is called the no buy trend, and
that no by trend is supposed to be a departure
(02:23):
from the daily consumerism that we involve ourselves in. And
I don't know how you can depart from daily consumerism,
but these people decided that they were certainly going to try.
And before we get into the how they did it
or how they're doing it as twenty twenty five still
has a month and a half out, let's do a
(02:43):
little deeper dive into some of the metrics about our
spending habits right here at home in California now, according
to so far, not the Stadium, but the Consumer Bank,
as of twenty twenty four, the average cost of living
in California tops out at about sixty four thousand, eight
(03:05):
hundred and thirty five dollars per year. That's the average
cost of living, not the average salary, not the average
insurance premium for a family. No, this is the average
cost of living for an individual in California top to
(03:26):
bottom sixty eight hundred and thirty four dollars, which when
broken down further amounts to about five four hundred and
three dollars per month the average. Of course, there are
higher higher expenditures. Of course, there are some of us
who are maybe able to survive on less than that,
but the average is a lot, and of course it
(03:46):
includes your mortgage, your rent, utilities, food, extras, surprises, maybe
not all surprises, but it's a lot. When people visit
California and obvious sleep people do.
Speaker 2 (04:00):
They love it here. They visit regularly.
Speaker 4 (04:04):
One of the things that people do is they go
online or they ask their friends what should I bring?
How much should I bring? They bring their clothes, they
bring their trinkets, and then they say how much money
do I need to survive daily during my trip to California?
And online answers average between forty dollars and sixty dollars,
(04:26):
and that's average for some that might be on the
low end, but that's for people who are eating out.
That's not even necessarily including entertainment. But forty to sixty
dollars and not spending forty to sixty dollars per day
is what the no by twenty twenty five trend wants
you to do. It wants to fight against consumerism. It
(04:49):
wants to convince you that you don't need to purchase
more and more and more.
Speaker 2 (04:55):
Now.
Speaker 4 (04:55):
It's a difficult trend, but those who are partaking say
that it is in empowering to follow it, and that
those who are in it have cut down on unnecessary
purchases and have been able to save money and pay
off debt. Their social media groups that boast tens of
thousands of members who say that they're participating in this now.
(05:19):
They still have to pay their regular bills, their main bills,
they have to have the roof over their head, pay
for their vehicle whatever it may be, insurance, groceries, but
they're saying when it comes to the no buy, they're
not buying anything they don't need now.
Speaker 2 (05:34):
Need is subjective.
Speaker 4 (05:36):
You might think you need those new shoes, but the
no by trend is saying you don't that you can
make good on what you have, and the only things
that you should be paying for are the barest of necessities.
One of these participators says it has helped them get
their spending under control. It's helped them stopped compulsively buying things.
(05:58):
It's helped the Amazon packages stop arriving left and right
at their doorstep. It says, it helped them break those
habits by going into a no buy challenge. They're not
buying clothing, beauty products, perfume, jewelry, technology, home decor or books.
Goes right against the Christmas trend. I was just encouraging
(06:19):
all of us to participate in go out and get
yourself a traditional Christmas tree and decorations. They're saying, don't
do that if you're participating in No Buy twenty twenty five.
They're also only allowing themselves to order takeout, perhaps maybe
once a month. Those are some of the extras. There's
wiggle room in this trend. But again, the trend is
(06:42):
supposed to push you toward not buying unnecessary things, of
which many of you might be saying, that's not a trend.
Speaker 2 (06:48):
That's how I live my life.
Speaker 4 (06:49):
But for some people, they don't live that way they
are high consumers. Some people might consider this trend as
a bit extreme. They might call it stressful, but those
who are participating say, what's more stressful, participating in a
no by trend or having exorbitant debt?
Speaker 2 (07:08):
They say it again, it's helped.
Speaker 4 (07:09):
Them pay off things like student loans and online there
are tons of individuals lamenting how this trend has saved
their lives, saved their marriages, helped empower and strengthen their families.
If you want to involve yourself in this, you don't
have to join a social group or social media.
Speaker 2 (07:29):
You can just do it.
Speaker 4 (07:30):
And even though it started back in January, some people
are jumping in now. There's something called no Spend November,
and while we're a little over halfway through the month,
I'm going to tell you what no Spend November is
and how it aims to help you with your finances
this month, and perhaps if you want to continue it
(07:52):
through the rest of the year. I'll tell you more
about that in the conclusion of our deeper dive segment
on the other side of the break in a little while,
we might even take some calls about what you're doing
today in the rain is it raining where you're at.
Maybe we'll take a few live calls that'd be after
Deeper Dives. After three point thirty you're listening.
Speaker 1 (08:12):
To KFI AM six forty on demand.
Speaker 4 (08:16):
Now we've been in our Deeper Dives segment and we're
talking about this trend that's started in January.
Speaker 2 (08:24):
It's still going.
Speaker 4 (08:26):
It's called the no Buy twenty twenty five trend or challenge.
It's all about not buying unnecessary items, services, daily, weekly, monthly,
whatever it may be. Of course, you can buy the essentials,
and again, essential is subjective. You might think, or I
(08:46):
might think that bottle of wine is in fact necessary,
but the no by twenty twenty five trend says it's not.
You only need to basically eat to live and not
necessarily entertain yourself and keep a roof over your head,
keep your vehicle kept up, whatever it is. But you
don't need to spend on the extras. For go that cologne,
(09:10):
or forego that excursion or vacation. Down to again, more
minute things like clothing or beauty products, hygiene products that
you don't need. They're saying, get what you need, kind
of put it aside.
Speaker 2 (09:26):
I guess, stock.
Speaker 4 (09:27):
Up and then don't replenish because you need your hygiene products.
Speaker 2 (09:31):
Don't you dare include and.
Speaker 4 (09:32):
No Buy twenty twenty five a lack of hygiene products.
Speaker 2 (09:37):
I will not not judge you for that.
Speaker 4 (09:40):
Make sure you buy that, but they are saying you
don't need all the extras that. If you participate in
no Buy twenty twenty five, you can undo a lot
of damage you've done to yourself economically. You can pay
off loans that have been sitting there, you can put
money aside for funds that you might want to tap
into or surprise things that may show up. And if
(10:02):
you found that you weren't able to get involved in
the no by twenty twenty five trend back in January
earlier in the year, there's another entry point into saving
your money, and it's called no spend November.
Speaker 2 (10:17):
I think you've heard of no Shave November.
Speaker 4 (10:20):
That's what men do, maybe some women, but no shave November,
and that's in an effort to help bring awareness to
it's some ailment. But this is no Spend November, and
it's supposed to bring awareness to yourself and your wallet.
And it is pretty self explanatory. You're not going to
(10:41):
spend anything in November. You're going to freeze your finances
for the entirety of the month. And there are people
who are saying that there are different ways that you
can do this, and first of all, it takes ironclad
will power and some practical preppers. One person said they
(11:02):
went for this is for no spin November. They went
on an extra large grocery run and they made short
to stock up on things that were non perishable, maybe
more expensive, like your paper.
Speaker 2 (11:14):
Towels, toilet tissue.
Speaker 4 (11:17):
Again, hygiene products or food that could be stretched out.
They said that they replaced some of their staples for
their makeup ahead of time.
Speaker 2 (11:29):
They treated themselves.
Speaker 4 (11:30):
To one last massage or one last manicure and decided
that for the entirety of the month they wouldn't get
another massage or manicure. Some of these seem a little opulent,
I imagine, but they also said that they went ahead
and replaced things that needed to be replaced, that it
really spurred people into action. They looked around their homes
(11:54):
or at themselves and said, what do I need to
fix that I've been putting off, or what do I
need to purchase that I've been putting off that I
can do now in an effort to not necessarily overspend
for the entirety of the month. Now, others say it
doesn't really mean not spending anything. Again, there are ways
(12:17):
around it. They're leaving wiggle room. There's a wiggle room
and no buy twenty twenty five in no Spend November.
But they made short of note that you gotta separate it.
You gotta list out what you really truly need and
what you don't you need. You need the gym membership,
(12:38):
they said, you can keep that. And sometimes they even
said that if you don't necessarily go to things that
perhaps you have a membership too, say it to a
gym and you miss a class, or say it's something
in which there's a financial penalty if you miss a payment,
pay it so that you don't get a charge for
that missed payment. They say, you need your inner Netflix, eh, eh,
(13:04):
I say keep it.
Speaker 2 (13:06):
There's some good stuff there.
Speaker 4 (13:07):
I told you about that documentary at the top of
the show that's about No I can't find it, but
there's a wonderful documentary coming out in December. First about
the bedrooms left behind for children who were victims of
school shootings. They say, you need your Microsoft three sixty five.
Those of you who may work at home, you need
(13:28):
some of these services online. For men, they say, men,
you might want to keep your subscription to Dollars Shave Club.
Women you want to also make sure those beards that
are coming in are right as well.
Speaker 2 (13:41):
Dollars Shave Club.
Speaker 4 (13:43):
Keep that, they said, keep your altruistic contributions, your donations,
make sure that you keep those up, but that you
might not necessarily need to keep other things. You also
have to keep gas and gases going up alive, so
maybe make sure you stock up.
Speaker 2 (14:03):
They're saying.
Speaker 4 (14:03):
Also, if you can maybe walk to work, of which
I say, where do these people live? I can't walk
to work, but others may be able to, Or they say,
take public transportation, of which all of us in LA
collectively screamed absolutely not.
Speaker 2 (14:20):
Again.
Speaker 4 (14:20):
There are some other exceptions, miscellaneous expenses, perhaps cultural and
religious expenses, but for the most part, they're saying, a
lot of us are hoarders and we don't necessarily know
it or acknowledge it, and we bye bye bye because
we can, and not just hoarding of things, but just
(14:43):
going out and spending a lot of money. Think about
what you spend daily. Take a moment asking you to itemize.
It's not an easy question and it will probably reveal
some concerning habits. But think about what you spend daily,
and then think about what you could potentially save if
you cut those things out. Those of you who have
(15:04):
those daily Starbucks habits six dollars for a cup, you
do that daily, do the math if you cut that
out or prepare it at home, perhaps you can save
some money. I don't know. I'm not trying to be
in your wallet, but I am trying to encourage those
of us to maybe be a bit more reflective. And
that's what No by twenty twenty five and no Spend
(15:26):
November aim to do. Mario, I'm gonna ask you a question,
what ah ringing of the hands? Do you feel that
you spend a lot of money kind of on things
that you don't need?
Speaker 5 (15:43):
Yes, ooh, I appreciate the vulnerability, by the way, and
the honesty, but I have been doing it on a
financially responsible planet budget wise okay, But what I have
gotten even if I'm not under budget and I still
spend on what I essentially don't need, this would have
(16:06):
been nice to still have that extra money and not
spend what I spend money on.
Speaker 4 (16:10):
Well, okay, safe answer. What could you cut out? I've
been thinking about that this whole entire time. I haven't
I haven't thought of something yet, but I'm sure there's
something there that I could cut out. Eileen, do you
feel that you do you feel that you are an overspender?
Speaker 6 (16:33):
I am not at all, believe it or not. I
am so like pragmatic. Oh I if I want to
shop for something, I'd ask myself two questions.
Speaker 2 (16:42):
Do I really love it or do I really need it?
Does it bring you joy?
Speaker 7 (16:46):
If it? Yeah?
Speaker 6 (16:47):
Yeah, It's like because I used to shop like, I'd
find bargains. I'm like, oh my god, this is a
great bargain, and I would buy everything that I didn't
need because it was a bargain.
Speaker 2 (16:56):
Oh okay, yeah.
Speaker 6 (16:57):
So now and if I really want something now, I'm like,
I'm not I can get it. If I keep thinking
about it.
Speaker 2 (17:01):
I'll come back and get it. Got it.
Speaker 4 (17:03):
Got it has to bring you that sort of intrinsic joy.
Speaker 2 (17:06):
Yep, exactly.
Speaker 4 (17:07):
Is there anything you feel like you could cut out
now from your bills that you don't need a subscription
or anything like.
Speaker 6 (17:12):
That you mentioned Netflix. And the truth is I really
don't watch a lot of TV. So I could, I
could get rid of Netflix, I'd be all right.
Speaker 4 (17:19):
Okay, Netflix is really upset at this segment right now.
By the way, Sorry Netflix, Sorry, not sorry.
Speaker 2 (17:24):
Sorry, not sorry. But I did watch it last night.
Speaker 4 (17:26):
There you go once in a while. Yeah, you can
use someone's password. I didn't say that, Netflix, Nikki. Do
you feel that you are an overspender?
Speaker 2 (17:37):
I'm more like Eileen. I'm a save, not a spender.
Oh wow.
Speaker 8 (17:41):
But what I will spend money on is experiences, not things.
I am not a consumer at all. So I love
when I can. I like to travel, and I like
to go out on the razzle dazzle. But I'm not
out shopping every day buying things. You know, it's just experiential,
(18:01):
experiential spending for me.
Speaker 2 (18:03):
Got it, got it?
Speaker 4 (18:05):
You know what. Let's actually make this our question. Let's
ask you and you can call in and let us know.
Eight hundred five two oh one five three four eight
hundred five two oh one five three four Are you
an overspender? Do you find that you're purchasing too much?
Did this make you reflect? And is there anything that
you can cut out now that you're considering it, Are
(18:26):
you like Mario or you're like, hmmm, I think I can,
but you're cryptic about it. He doesn't want to tell
us what he wants to cut out, but call in
eight hundred five two oh one five three four. I
love to talk to you and let us know. Are
you an overspender and are you thinking about getting rid
of some of those expenditures. We'll talk to you on
the other side of the break. KFI AM six forty
(18:48):
Live everywhere on the iHeartRadio app again that numbers eight
hundred five to two oh one, five three four.
Speaker 2 (18:54):
Can't wait to talk to you.
Speaker 1 (18:56):
You're listening to KFI AM six forty on demand.
Speaker 4 (19:01):
Filling in for Andy Reismeyer on this lovely somewhat dry,
somewhat rainy Sunday and Chris Merril will be here at four.
We'll talk to him after the break. But now we
want to talk to you. So I asked a question
because we were talking about our Deeper Dives segment No.
By twenty twenty five, A trend started in January. It's
(19:21):
all about not spending things that are unnecessary. Unnecessary as
subjective but ultimately saving money, not being exorbitant, being more frivolous,
being more responsible, blah blah blah. And there is another
entry point into no by twenty twenty five. It's called
no spend November. So if you miss the kickoff of
(19:44):
this trend, then you can join it in November and
do one month kind of a soft launch instead of
doing a full year. So I asked you to call
in to share do you feel you are an overspender
and if so, why and what could you maybe cut out?
I think we have Steven on the line.
Speaker 7 (20:05):
Oh yes, Tiffany, And this is really a good subject
to talk about. I mean, you know, we're you know,
you hear all of these politicians. It's like talking heads,
and all they talk about is like they don't accomplish stuff.
They say, Okay, the cost of living, and it's always
about the cost of living. But then I see that, Okay, well, okay,
the first thing you do then pensions. You don't tax
(20:26):
the pension. Okay, Okay, that's the first thing. Okay, I
solve that problem. I'm not even a government official. You
don't tax solid security by the government official. Okay. That's
the second thing. And the third thing I would do.
I would say that we have to do more of
like sharing. Okay, if like let's say you need a car,
then it's called you share your car, all right, and
(20:47):
we share, we share it, we barter, all right, okay,
like and it's like with me. Okay, I was a
union worker, and I did you know I've worked for
the Chinese. Was a slave in the machine for the Chinese.
I hope you're hearing this Los Angeles, all right, the Chinese,
the Chinese. Obviously the Chinese, they know they can get labor.
(21:10):
And I was alongshoreman.
Speaker 4 (21:11):
Well, let me bring it back to your Let me
let me bring it back to your spending habits, Stephen,
because you gave some really great points and you said
not a government official, but perhaps we need you in
city government, local government. Because you'd said no tax on
pensions and things like that that a lot of people
are hearing. What about you personally, your weekly monthly spending habits?
Are you spending too much? In your honest opinion? How
(21:35):
do are you cutting back? What are your spending habits?
Speaker 7 (21:39):
Like? Okay, this is a good topic because my spending
habits I used to say, Okay, I want to go
see a really great concert, something that's going to be
a fun thing to do. And now those cultures, it's
like two ninety nine.
Speaker 2 (21:50):
Yeah, one night I've seen that.
Speaker 7 (21:52):
Okay, oh oh oh, okay, right, that's for one ticket. Okay,
I can't do that anymore. Then I've thought, oh, you know,
it'd be kind of nice maybe to go like to
one of these amusement parks. Okay, let's go to a
wild country safari. All right. Oh, you show up there
and it's over one hundred bucks just to get in
with that's a lot o parking. And then parking they
(22:15):
don't do anything for parking, they just collect the fee.
That's another like forty fifty bucks. Okay, So I don't
go to amusement parks. I'm cutting back on that. And
then I wanted to go to a national park and
my freeing government's closed and no one's walking.
Speaker 2 (22:32):
Well, it's back open now, so you can go.
Speaker 7 (22:36):
Right right. So now I want to I want to
enjoy things that are America has said, look at we've
got all these great things to do, go to a
national park, but you've got to then, you know, make
the effort to get there. All right. But now, like
you say, now, okay, things are open and blah blah
blah blah blah. You know we're doing a little bit bit.
(22:57):
You lie made you. I love it.
Speaker 2 (22:59):
I love it even I appreciate your tips.
Speaker 4 (23:01):
I'm sure there are lots of people out there, especially
those who are union workers like yourself.
Speaker 2 (23:05):
Thank you for that. Who who that resonated.
Speaker 7 (23:08):
Sixty dollars a month? You tell me, how do you
live in sixty How do you do that?
Speaker 4 (23:13):
Yeah, well, sixty five thousand dollars a month would be
a lot, but you mean per year. I imagine that's Yeah,
it's very little, very very little. And unfortunately that's the average,
which means there are more people who are trying to
than are not. Steven, I gotta run. Thank you so
much for calling in and for listening. I hope you
have a wonderful and somewhat dry rest of your day.
Speaker 7 (23:32):
Yeah, you keep up the good work.
Speaker 2 (23:33):
Thank you so much. Take care bye. Do we have
anybody else in there?
Speaker 5 (23:38):
Mario?
Speaker 4 (23:39):
That was our Stephen was our our lone ranger, our
lone brave soul who would talk to us about his
spending habits, and like Mario, he still was a little cryptic.
He didn't fully get into the nitty gritty, and maybe
that's a man thing. The women are like, I buy
nails and shoes and this, and the guys are like,
I spend. I spend some money. I got to cut back.
And it's like, we're asking for your list, Mario, what
(24:03):
can you cut back on?
Speaker 2 (24:05):
Mario?
Speaker 5 (24:05):
Okay, I'm not making this up. Two nights ago, I
bought some more shoes from Nike.
Speaker 4 (24:09):
Shame I did that today. I know online And that's
that's where I get you. That the convenience of being
able to buy things whenever you want them, that one
click buy is just there you go.
Speaker 5 (24:23):
Some colors came back and they were on clearance and
I'm like, oh, I wanted these months ago, and the
colors are back, so there I go.
Speaker 2 (24:29):
Have they been delivered yet?
Speaker 7 (24:30):
No?
Speaker 2 (24:30):
I barely ordered them a night or two of lie.
Speaker 4 (24:32):
Should you cancel them to save money for no buy
or no spend November?
Speaker 2 (24:36):
Or do you want to do that? Mario?
Speaker 4 (24:37):
We're already half weight done with the money. Like it
missed me, It passed me by fair. I'm judging you, right,
We listen, we don't judge. That's what the kids say,
all right, Mario, you're safe for now. When we come back,
we're going to talk about another way in which your
money is at risk. Scammer's Gonna scam. Is gonna talk
(25:01):
about a scam for holiday shoppers. This is prime time
for scammers, and it has to do with getting packages delivered.
Mario and I are talking about getting packages delivered, and
this scam is praying on that.
Speaker 2 (25:18):
It's praying on you. It wants your money.
Speaker 4 (25:21):
Let's talk about it on the other side of the break,
and we'll talk to Chris Merrill and see what's going
on on his show. Ok If I Am six forty
Live everywhere on the iHeartRadio app. Tifany Hobs here for
one more segment, filling in for Andy Reesmeyer.
Speaker 2 (25:32):
Today.
Speaker 1 (25:33):
You're listening to k if I Am six forty on demand,
Scammer's Gonna Scam?
Speaker 4 (25:50):
Okay if I Am six forty Live everywhere on the
iHeartRadio app. Tiffany Hobs here for one more segment. We're
gonna talk to Chris Merrill in a moment, but before
we do, we have Robert on the line, who wants
to tell us a little bit quickly about a cost
that he has a huge problem with you do two?
Speaker 2 (26:07):
What is it? Robert, Robert, are you there there?
Speaker 4 (26:11):
You are?
Speaker 9 (26:12):
Yes, yeah, I'm here now. It's mainly unplanned events that
involve having to go to the dentist and getting tooth
extraction and then implants which are pushing real hard over dentures.
That is, like I said, unplanned stuff, along with just
(26:36):
the cost of your groceries and if you dare to
buy meat lately, and you see it's a third more expensive,
and then so goes it for so many items that
we use every day. Just living in certain areas of
the state down here in the south where you've got
(26:59):
h o as or mellow roots or some sort of
dimunity fee. I'm nearing three years before retirement and choaps
of our a junk twenty percent last three years? Can
we live where we're living after retirement when we're really
(27:21):
on a you know, a certainly affixed income. I don't
care what side of the political scope someone's on there,
all it's all the same rhetoric, but basically, you know,
just to breathe and live somewhere. It's noticeably more expensive
(27:44):
than it was, say three four years ago, and it
was more expensive than ten years ago. It's not going
to go downhill. It's going to continue. My biggest concern.
Speaker 2 (27:55):
You're not wrong, Robert, You're not wrong.
Speaker 4 (27:57):
And I'm sure a lot of people are are class
for you right now and shaking their heads and approval
because you represent most of the populace here, including myself,
who say it's just everything is just too damn high. Robert,
thank you so much for calling in and for listening,
and I hope you find some relief soon.
Speaker 2 (28:16):
Thank you so much. Thank you, Timmy, You're most welcome.
Take care. We have Chris Merrill on the line.
Speaker 4 (28:24):
Yeah, hello, Chris Merrill. Hey, honey, you're expensive. I can't
afford you. Well, yeah, well, I never cut you out.
I know.
Speaker 10 (28:37):
Funny as we get old, my wife and I, you know,
we'll have different medical maladies, or we'll do something dumb,
you know, shoot back my car into a post. I'll
back my car into the garage door or something like that.
And it's funny we say that. We will go you're expensive.
See you're expensive, See you're expensive.
Speaker 2 (28:53):
Worth it? Kind of.
Speaker 10 (28:57):
At the time, we always.
Speaker 4 (28:58):
Question and I know what you are. You're invaluable and
we're lucky to have you. What's going on on? Your
show tonight.
Speaker 10 (29:08):
So I'm so glad you know you've got your scammer's
gonna scam.
Speaker 2 (29:11):
I'm gonna get into it. Yeah in a moment.
Speaker 10 (29:13):
Yeah, Yeah, I've got some scammers going to high tech
scam pull me up at five thirty tonight. So that's
that's a big well dive into the Epstein files, and
there still remains this amazing question, like if there's something
about Trump in there, why didn't the Democrats use it? Yeah,
there's something about the Democrats in there? Why isn't Trump
(29:34):
using it? Yeah, So we are going to ask the
question for the talk back tonight is what do you
think is in the Epstein.
Speaker 2 (29:41):
Fi Oh you're brave, Oh, you're brave.
Speaker 10 (29:44):
I can't help but to think that it's mutually assured
destruction for political leaders. I mean, it's the only explanation
I can come up with, right, unless there's some sort
of classified something or the rumors about him serving as
a spy or sharing state secrets.
Speaker 4 (29:59):
I didn't know what you were going say. After you
said serving it, it made me nervous.
Speaker 2 (30:04):
Stop, I didn't know. This week has been rough.
Speaker 10 (30:08):
Wow, it has been a long week.
Speaker 2 (30:10):
Yeah.
Speaker 7 (30:10):
I believe that this time last week the government was
still shut down.
Speaker 2 (30:13):
You know it. I feel like it was a month ago. Yes,
isn't that crazy?
Speaker 4 (30:18):
Too much news this week that we didn't ask for,
but that we deserve. You stayed dry, I did. I'm
going to continue to try because it's coming back.
Speaker 2 (30:26):
It's coming back.
Speaker 10 (30:27):
Oh, all the stories like the tree falling on the
car boo.
Speaker 2 (30:32):
We survived the storm of twenty twenty five.
Speaker 10 (30:35):
We will rebuild.
Speaker 4 (30:36):
We will rebuild soft soft pansies.
Speaker 10 (30:39):
A little bit about that. We'll talk about the Lakers
probe that's going on, and of course, uh the lawmakers,
the lawbreakers at the times that there ought to be
a law la Low coming.
Speaker 2 (30:47):
Up before thirty.
Speaker 4 (30:47):
I can't wait to listen on my way home, Chris,
I just I adore you so much.
Speaker 2 (30:52):
You, Oh, I adore you. Believe you're worth it. You're
like Fabling, You're worth it. Oh, merrily very good bye. Chris.
Scammer's gonna scam.
Speaker 4 (31:04):
Let me tell you about the latest scam that you
should be aware of, because this is one that practically
everyone can fall victim to.
Speaker 2 (31:13):
If you have a porch, if you have a.
Speaker 4 (31:17):
Place in which your packages arrived to when you order
if you know you've ever ordered anything online, then you
are the target for this scam. And the sucky thing
about it is it's happening with you just existing. That's
the sucky part. What it is is the Better Business Bureau,
the BBB is telling us all in a very alarming
(31:39):
way about a sharp rise in something called brushing scams.
Brushing scams. I don't know how they name these scams
or where these names come from, but at any rate,
a brushing scam is where a consumer like you receives
an unordered package.
Speaker 2 (31:59):
You go, so, WHOA, I got a present?
Speaker 4 (32:02):
A package comes to you and you open it and
you go, I didn't order this?
Speaker 2 (32:07):
Wait, what's this? Who ordered this?
Speaker 4 (32:10):
And before you know it, you're so involved in the
question that you forget that if it has anything in
there that requires you to use your cellular device to
track or scan, then it probably is a problem. These
packages contain a QR code. Those are those square, squiggly
(32:32):
line codes that you can scan with your phone, and
it exposes your personal information and or can compromise your
phone or tablet whatever you use to scam. Brushing scams
target anyone who shops online. That's all of us practically,
and it trusts that you think that the package that
(32:55):
arrived at your doorstep or at your mailbox is in
fact it's yours. In other words, everyone's vulnerable. Here is
a typical brushing scam example. The scammers will ship an inexpensive.
Speaker 2 (33:11):
Product to random addresses.
Speaker 4 (33:13):
So you get a box of whatever issue inexpensive product, okay,
And it will sometimes include inside of that box a
QR code or phony return instructions because you see it
and you go out and order this, and if you
didn't order it, and you're the type of person to
send something back, then that will give you the instructions
(33:36):
to do so. Now your identity is then compromised because
when you are filling out the return information, whether digitally
or by the return label, whatever it may be, your
identity information goes into that without your consent, and there
you go, You've now been taken. When scanned, the these
(34:00):
codes often linked to convincing but fake order tracking websites
or phishing portals. pH phishing not f the kind that
look to extract your unique and personalized information and it
aims to gather sensitive information or install malware on your smartphone.
(34:23):
Oh my gosh, and these scams are up. They are
up forty six percent in twenty twenty five compared to
twenty twenty four. They're saying it reflects a troubling escalation
in both scale and sophistication because they know how to
(34:43):
do this in a way that's so covert and so
sneaky that you're gonna fall for it.
Speaker 2 (34:49):
Now.
Speaker 4 (34:50):
Experts are saying that as the holiday season approaches and
you're receiving package after package after package, it's really important
to keep good record of fa everything you've ordered.
Speaker 2 (35:02):
If you are the type of person.
Speaker 4 (35:04):
Who just click by click by click purchase, click purchase,
and you're just your rapid fire ordering, or someone in
your household is, or you have kids or whomever, and
these things are coming to your doorstep, to your mailbox,
to your PO box, whatever it may be, you have
to keep good record of this because if not, you
could fall vulnerable. They are saying, if you receive a
(35:27):
package that you didn't order, resist the urge to scan
any QR code, do not fill out anything to send
it back, check your accounts as well, and report this
package to the Better Business Bureaus scam tracker. They have
a scam tracker online. Just put in the information. Do
(35:51):
not scan these things with your phone or your tablet.
Don't let the kids do it, because the first instinct
is to point a phone at these little codes. Don't
do that because your information can be phished or extracted,
and then you're in a world of hurt, and then
you can't buy Netflix. You won't have Netflix money for
(36:11):
the next month, or Nike money for the next month
like Mario and I or Beautiful Christmas Tree money. That's
been a fun show. It's been great. Chris merrill is next.
I've had a blast sitting in for Andy. I'm sure
he'll be back and he's looking forward to it. I'll
see you here next Saturday from five to seven on
my regular show Saturdays with Tiffany. If you missed any
(36:33):
part of tonight's show, you can go to featured segments,
usually under Saturdays with Tiffany, but we've had a little
switcher roof, so right now it's under featured Segments. You
can get it there. Everything will be on my page
in the very near future. You can also get me
on Instagram at tiff hobbs On here, at tiff hobbs
On here. We can continue the conversation. Thanks to Steven
(36:54):
and Robert for calling in and for listening, and for
those of you who couldn't get through or whose talkbacks
we couldn't play, I appreciate you have a safe and
dry rest of your weekend.
Speaker 2 (37:04):
I'll talk to you Saturday.
Speaker 4 (37:05):
Chris Merril's next kf I AM six forty Live everywhere
on the iHeartRadio app by
Speaker 1 (37:12):
KFI AM six forty on demand
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