August 22, 2024 • 25 mins
Host of ‘How to Money’ on KFI Joel Larsgaard joins the show to talk about a new Credit Karma survey finding more Americans want to rent everything and own nothing, being car-free, and economic proposals from presidential candidates. Selfies can ruin destinations for others, according to research. Host of ‘Later with Mo Kelly’ on KFI weekdays from 7pm-10pm wraps the show talking about Janet Jackson revealing her family tree that includes Stevie Wonder, Samuel L Jackson, and Tracey Chapman.
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Speaker 1 (00:01):
You're listening to bill Handle on demand from KFI AM
six forty.
Speaker 2 (00:07):
And this is KFI bill Handle here. It is a
Thursday morning, August twenty two. And Joel, before we get
to you, a quick mention, and that is to Neil
Neil Savedra as you do my Lemon Lawyer dot com.
Do you know that Oprah Winfrey listens to that commercial
because last night she literally endorseing Kamala Harris said Kamala
(00:33):
Haras dot com page after you. By the way, great segue.
Speaker 3 (00:41):
Three hundred pounds in Lemon law Lawyers. You're going to
get a call today, Well, Fatty, it just is I
like to change it up. Yeah, thanks so much. You know,
I'm I'm.
Speaker 2 (00:52):
You know. I go to therapy twice a week. You're
aware of that. And a lot of it is you.
A lot of it is you.
Speaker 4 (00:58):
You have been fired by more theory I have ever been.
Speaker 2 (01:01):
I have My last therapist fired me because of my guilt.
Speaker 3 (01:07):
I live with guilt for everything I do.
Speaker 2 (01:09):
I've been described as a gold medalist in the Jewish
Guilt Olympics.
Speaker 3 (01:15):
And it's absolutely true.
Speaker 2 (01:16):
All right, Joel, let's do it. It took a lot
of your time, and I'm sorry about that. Here we
go Sunday twelve to two pm how to Money with
Joel Credit Karma Survey and.
Speaker 3 (01:29):
Share that because that's a big one.
Speaker 5 (01:31):
So this is just fascinating, Bill. There's like some new
new information came out about just younger generations want They
don't care about owning stuff in the same way that
they used to, and so they're renting not just like
an apartment instead of buying a house, but they are
renting everything down to like clothing, electronics, furniture, and so
(01:52):
it's kind of fascinating to read. There are all these
sites that have sprung up making it easier to rent
stuff instead of buy it.
Speaker 3 (01:57):
Like huh, like what clothes?
Speaker 4 (02:01):
Yeah, Like so.
Speaker 5 (02:01):
There's this website baby equip If you want to rent
baby stuff instead of buying baby stuff, you can do that.
But like, so I'm going on a backpacking trip with
some friends soon. At RII, you can rent the equipment
instead of buying your own equipment. And so in some
ways that might make sense if you're like, literally, this
is the only backpacking trip I'm ever going on in
my entire life.
Speaker 2 (02:22):
Yeah, that does make sense, Yeah, it does. And a
good backpack is hundreds and hundreds of dollars.
Speaker 5 (02:26):
Sure, but when you look at some of the things,
like I was looking at, like a headlamp, it's twelve
bucks for the first day, four bucks for every additional day,
and that adds up. But you can get a good
headlamp for like twenty two bucks or something like that.
And so I get I'm not against renting certain things,
but I feel like this survey shows that it's kind
of been taken to a whole new level. And depending
(02:47):
on what you're renting and how often you're going to
use that item, you might want to think again, and
buying used can often be a better idea than renting something.
Speaker 3 (02:54):
Yeah, that makes sense. Now I'm fascinated by this. Baby clothes.
Do you know what babies do in baby clothes?
Speaker 4 (03:02):
Yeah?
Speaker 5 (03:02):
I've heard, uh huh, I've had a few. I definitely clothes.
Speaker 2 (03:08):
No, No, used underwear maybe, yeah, you know, you know,
I changed my mind on stuff like the way Germans
change their underwear about once a week. By the way,
for those of you who are German, I don't apologize
for that. I just wanted to point that out. But
is well, we know that in there are times when
(03:32):
it's cheaper, or it makes more sense to rent a
house than it does to buy a house. But my
idea has always been you rent wedding dresses, even for
a couple of hundred bucks, because you don't use them again.
Speaker 5 (03:46):
Right, I mean that's the thing. I mean, unless you're
you're planning on getting married four or five times. But
even by that point, your body might have changed. I
might not be able to fit into it anymore anyway.
So yeah, I think something like a tuxedo or a
wedding dress does.
Speaker 3 (03:57):
That makes sense.
Speaker 2 (03:59):
The other thing it makes a lot of sense, which
people don't do, is rent caskets. Yeah, to buy a
twelve thousand dollars casket and throw it into the ground.
Speaker 5 (04:09):
Yep, that's literally a thing that's happening too. Is people
could rent caskets. Something else that makes sense to rent.
I've seen when you look at the numbers of people
retirees buying RVs and then finding out six months later,
actually I don't really love the RV lifestyle, or even
if I do the one I bought, it's not sufficient,
or I want to change the kind of make and
model that I'm into, And so renting something like that
(04:29):
makes a lot of sense. So you got to be like,
I think, discerning when we're talking about what we're renting
versus what we're buying. And I think maybe there's this
kind of knee jerk reaction for younger folks. I'm just
gonna rent everything. I'm gonna rent my clothes instead of
buying my clothes. And it might make sense in you know,
certain areas, but then I think in other areas, renting's
probably overrated.
Speaker 2 (04:49):
And by the way, is that we talked about this
in reference to this credit card survey. Is this growing
by leaps and bounds?
Speaker 4 (04:59):
Oh? For sure?
Speaker 5 (05:00):
Think about I mean twenty years ago, Bill, did you
ever meet anybody who's like, I'm renting my furniture and
I'm renting my clothing.
Speaker 2 (05:05):
Like only people who were poor who would get into
an apartment where the furniture was part of it and
you would own the furniture after eighteen months and it
was crappy furniture and the landlord.
Speaker 3 (05:20):
Bought it and as part of the rent would make
money on it.
Speaker 5 (05:24):
Well, there's the least to own companies, right, which we
do a lot of advertising and stuff like that, and
oftentimes those if you look at the numbers again. Those
guys are making money hand over fist and they're doing
it at your expense and buying used Facebook marketplace stuff
like that. Craigslist is gonna is going to help you
out and save up the cash to buy that thing
so that you never have to pay for it again.
(05:45):
Sometimes the perpetual renting is just going to cost you
a lot more.
Speaker 3 (05:48):
All right.
Speaker 2 (05:49):
Car free is something I'd like to ask you about.
And I love the name of the company that's or
people that are doing this. Cul de Sac is the
name of the company, and interestingly enough, their business address
is on a cul.
Speaker 4 (06:04):
De sac right.
Speaker 5 (06:06):
Well, so it's interesting. I mean, probably most of the
people listening to the sound of your voice right now
are in a car and they're saying car free that.
How do we even how would you even do that?
How would you pull that off? Well, there are new
communities being built in Phoenix, and then their plans to
build these communities in other cities across the country too,
that are literally car free from them.
Speaker 3 (06:27):
It's from the very beginning.
Speaker 5 (06:29):
And so it's like everything the grocery store, the the gym, everything,
a couple of restaurants, like everything you might need is
within walking distance and biking distance essentially from this pre
planned community. It sounds kind of cool, Like I'm I'm
kind of an avid advocate for people to get out
of their cars more obviously like Los Angeles.
Speaker 3 (06:51):
It's hard.
Speaker 5 (06:51):
It's really hard to do.
Speaker 2 (06:53):
Yeah, but by the way, I mean I agree, And
there are it's like basically the Third Street Promenade where
they're making these walking malls where cars are not involved.
When you go shopping at the supermarket and you have
six bags of groceries, how does that work?
Speaker 3 (07:09):
Car free?
Speaker 5 (07:10):
See, that's part of your work out there, you know,
you bring your bags and you're just your whole it's that.
Then you don't have to go to the gym that
they have on site too, because you carried your groceries
the whole way home.
Speaker 2 (07:18):
Well, okay, I mean I whenever I see a little
lady walking and carrying three or four bags, I mean,
I go up there and I certainly don't ask if
I can help, but I really enjoy watching that.
Speaker 4 (07:32):
That's the struggle.
Speaker 3 (07:33):
Oh yeah, yeah, that's right.
Speaker 2 (07:34):
And occasionally all the groceries fall out that is even
more entertaining. No, But the point is is that's not
easy stuff. And for us, you're right, you know, we
need cars, or we did need cars. Now people are
listening on their devices. But you know, when you think
about it, I'm assuming they have a lot of quote
public public transportation.
Speaker 5 (07:57):
Yeah, so there's often light rail in these systems. And
then when you think about it too, like there's some
projects around the country that are they're talking about putting
in light rail, but the advent of like micro electric
transportation is making that almost unnecessary. Think about e bikes
and kind of the how much people have gotten into
e bikes, Whereas, like you, you would have asked somebody, hey,
(08:17):
do you want to take a bike ride a few
years ago, and they would have been like no, no,
thank you, especially in hilly areas. But e bikes kind
of take that, take the mess and the sweat out
of being able to bike. And so I've got an
ee bike. I take my son to school on it
most mornings, and it is a joy to get around
on that thing. And so you got to, you know,
put your helmet on, be safe. But I love how
much e bikes are changing people's ability micro mobility to
(08:39):
get around, especially people who are older, who are listening
because it makes your legs feel bionic and it's helping
you churn. You can still get a little bit of
exercise and still get to where you want to go.
So I think e bike stuff like that is really
changing that people's ability to get around town.
Speaker 2 (08:54):
Yeah, that's great, especially people that need knees because they're
old and have to replace their knees. That's sort of
accelerates the process, right, and then real quickly if we
can do it. The economic proposals politically, both sides of
this presidency say we're not going to tax tips, which
(09:16):
the government does now. And I'm asking you, wait a minute,
how come every every dime I make gets taxed, every
dime you make, it's tax Why would they not get
taxed on their income.
Speaker 5 (09:27):
There's there's been some silly economic proposals. There's been some
solid ones, but there's been some real weird ones too.
I think that's one of the weirdest ones. And yeah,
think about all of the ways in which people are
going to try to get paid as a tip in
tip form if you write for substack or something like that. Well,
are those tips or is that like some the payments
that people are dropping the six or ten bucks a
(09:49):
month that people pay me for writing my newsletter, Then
how can I count those as as tip income instead
of regular income. It just opens up this can of worms.
The other thing, too, is the proposal basically to tamp
down grocery store price increases, right, and grocery stores are
There's a one there's a ton of competition in the space,
(10:11):
and two that like, how are you going to actually
go about doing this when the grocery store profit margins
are thin to non existent?
Speaker 4 (10:18):
Anywhere You're not.
Speaker 2 (10:19):
I mean, there are gouging controls, especially during natural disasters.
New York has one, and that was when they had
that black when it was blacked out for four days
and you had people selling candles for thirty bucks apiece.
So there are laws against gouging there. But Kamala Harris,
I mean, the argument that she's a communist. This is
(10:42):
Donald Trump's calling her now communist, Kamala, you know what
the argument is. You know, we've never had successful price
controls ever ever. World War two necessary and then it
exploded after that same thing with Nixon and Jerry Ford
exploded after that.
Speaker 3 (11:03):
It makes very little sense. Yeah, and by the way.
Speaker 5 (11:06):
Go ahead, I was just gonna say, it creates like
when you think about what when you try to control
the price of housing or rents or something like that,
often it leads to fewer units, it leads to more
dilapidated units. I mean, there's all of these downstream effects
that are pretty negative. So price controls, yeah, it almost
never works positively.
Speaker 3 (11:22):
Absolutely.
Speaker 2 (11:23):
And by the way, just to when I go to
a restaurant, I always leave cash always, as a matter
of course.
Speaker 3 (11:31):
Servers love that. And as I.
Speaker 2 (11:33):
Leave the cash, I say, I'm going to leave you cash,
but only if you promise me to declare it to the.
Speaker 3 (11:38):
Irs, right, I actually say that.
Speaker 2 (11:40):
I actually say that to servers you understand this has
to be declared, and they sort of look at me
like I'm crazy. But I always have a good time
with that. All right, Joel, thank you. This Sunday from
twelve to two pm, how to Money. He's at how
to Money, Joel. So we'll catch you over the weekend
and of course next week.
Speaker 3 (12:01):
Bill, Yeah, I have a good day, all right.
Speaker 2 (12:03):
I want to talk about selfies for a moment. I'm
going to go in a direction you're not you don't
think about. First of all, we're not talking about the
kind of selfies that I A kind I like, and
that is the kind where you're at the Grand Canyon,
for example, and people walking backwards to get the great
view and they go over the edge and fly three
hundred feet and hit their heads on the rocks.
Speaker 3 (12:23):
Not that kind of selfie. I'm talking about.
Speaker 2 (12:26):
The selfie where you take pictures of yourself at destinations.
You know, for example, you're taking picture at a great hotel,
or at a wedding, or at a bar mitzvah, or
at a kinsinera, and you're taking photos and you're posting them.
And an experiment was done by this researcher out of
(12:49):
Tulane and look at how people buy their destinations or
choose their destinations.
Speaker 3 (12:58):
And here is the fun part.
Speaker 2 (12:59):
With selfie people that if you're looking at a destination
and you're looking at photos for example people and of
course people take selfies like crazy and send them to everybody.
If I'm looking at a photo, according to this study,
if I'm looking at a place, let's say I want
to have my girls bought mitzvod, and I see pictures
(13:23):
at the venue, that's not as enticing to me as
looking at pictures of the venues without people, and you go,
wait a minute, don't you want to see how people
are having good time? No, there's a whole aspect of territory, territoriality.
It's almost like dogs being territorial about their spaces. What
(13:46):
happens is subconsciously we're looking at a place to go,
and those people that you see somehow are sort of
marking their territon territory. And this is all subkid just
by the way, and what it does is effectively turn
you off. You're less app to book that location if
(14:07):
you see people there having a ripper in good time.
As I said, counter completely counterintuitive, but it's these are
experiments that were done, six studies that were done to
check that hypos hypothesis. It's just really weird. Now, let's
say you are planning a wedding. You're gonna have a wedding,
(14:29):
and you're trying to figure out where you're gonna go
and which venue, and you look.
Speaker 3 (14:33):
At the venue that's empty.
Speaker 2 (14:35):
It just gives you sort of the place, the flowers
around it, and where they put the chairs, et cetera.
You're more app to book there than that same venue.
With this gorgeous couple tying than not. And even if
we're talking about the marketing, which of course they always
get models to do that, it drives me crazy. It's
you know what ends up happening if your borrow if
(14:57):
you are looking at a wedding venue and they have
photos of this great looking guy tying the knot with
a great looking girl, he's gay. Do you understand he's
a gay model. He's not really getting married. I mean,
we know that, but it just so happens that it's
(15:17):
like every dancer in a chorus that.
Speaker 3 (15:20):
A musical must be gay.
Speaker 2 (15:21):
It is the law, by statute, you cannot have straight
dancers in our society. So you take the selfie or
you take the photo with someone in it, and it
just doesn't sell as well. You know, happy campers there
do not sell as well. Now, if you're a wedding planner,
(15:45):
you don't care. If you're planning a wedding for someone else,
you just don't care.
Speaker 3 (15:51):
And so what do you get? Have you?
Speaker 2 (15:53):
And I am now starting to really get into social media,
which I never have done before. I'm on Instagram at
Bill handleshow and the website that I developed, and that's
the Bill handleshow podcast dot com.
Speaker 3 (16:11):
And you'll see how I'm.
Speaker 2 (16:13):
Involved in social and you know, I just don't like
many selfies.
Speaker 3 (16:17):
I mean I've taken selfies. People take selfies with me.
Speaker 2 (16:23):
You know, fans of the show occasionally, not many, rarely.
Every once in a blue moon, Okay, every several months
someone comes up and goes, Bill, can I take a
selfie with you? And I go, of course, And there
we are grinning at each other. We're stupid. I mean,
how great a photo can you get with a camera
(16:43):
that you are holding at arm's length. But that's the world, now,
that is the world. So this study comes out and
it was fascinating. Bottom line is the venue does not
want you, if the study is correct, and six studies
does not want you to look at an event location
(17:04):
that has people in it, even having a good time.
And I don't know if you've ever been to a
bar mitza, for example, that's another law.
Speaker 3 (17:15):
You cannot have a good time.
Speaker 2 (17:17):
It's impossible. They go on forever and ever and ever,
and well, you know when you see someone eighty five
years old dancing, that's kind of wonderful.
Speaker 3 (17:31):
And I have a really I'm gonna do this. I
have a really great story for you.
Speaker 2 (17:35):
There was a wedding where there was a man who
mentored me, and he was a big guy, weigh over
three hundred pounds, and he was athletic as hell.
Speaker 3 (17:43):
I mean he could, you know, click.
Speaker 2 (17:45):
His heels jumping up and click his hills sideways. I mean,
you've seen that he could do that. And so I'm
at this wedding and he goes up to big show
off and goes up to click his heels and hits
a lady in a walker at she must have been
(18:06):
eighty five years old. She crumpled to the ground and
when the mirror paramedics took her away, she was unconscious.
Never know what happened to her. But let me tell
you that was one of the most memorable, exciting weddings
I have ever been to, and that I wish I
had a photo of that. That is not me making
(18:27):
it up either. By the way, he was convicted of
murdering his wife and is in prison. It's true, It's
absolutely true, and he's in prison for the rest of
his life without parole.
Speaker 3 (18:38):
Well, there you go. I wanted to share that with you.
Speaker 2 (18:41):
Mo Kelly, who has heard Mondays and Friday seven to
ten pm, and he's at Mister mo Kelly is his
social address. MO.
Speaker 4 (18:50):
Good morning, Good morning Bill.
Speaker 2 (18:53):
Great story about Janet Jackson and this is way beyond
Kevin Bacon.
Speaker 3 (18:59):
With six degrees or three degrees of separation.
Speaker 2 (19:02):
Janet Jackson looks like she is somehow connected and her
relatives include Stevie Wonder, Samuel Jackson, Tracy Chapman.
Speaker 4 (19:14):
How does that work?
Speaker 1 (19:16):
Well, we did this before. She is related, just like
everyone else. I mean, you have people in your family
that you may not know that you're related to, and
then you do some investigation you realize that people who
may also be famous are related to you.
Speaker 4 (19:31):
Samuel L.
Speaker 1 (19:31):
Jackson is one of them, Tracy Chapman and someone else
I can't even read Wonder Stevie Wonder.
Speaker 4 (19:38):
Yes, so you know how close is this?
Speaker 2 (19:42):
Yeah? I'm assuming she did one of like twenty three
and me she did one of the DNA tests and
up it comes. And so how close is Stevie Wonder
to her?
Speaker 1 (19:54):
Well, first, it wasn't a DNA test. It's something that
has been known for years. It's not something that she
has divulged over the years. It's something that was known
as far as the family was concerned, but they just
did not promote it. She has not been explicit as
far as how close, but relatively close, I want to say,
if maybe second or third cousins. She did mention in
(20:14):
an interview with the BBC that Stevie Wonder was related
on her mother's side, which says to me, it's relatively close.
Speaker 3 (20:22):
You know, why would you.
Speaker 2 (20:24):
Keep it a secret that you're related to Stevie Wonder.
I mean, that would give you even more creeden, especially
as an entertainer. Samuel Jackson, I mean, you know, that's
pretty high.
Speaker 3 (20:37):
That's pretty rare air up there, rarefied air. I don't
understand keeping that quiet at all.
Speaker 1 (20:42):
Well, the Jackson's family has been notoriously private for the
past fifty years or so, so it wouldn't be surprising
to me if you've ever dealt with Janet Jackson. She's
a very soft personality, a quiet person. She doesn't really
tell a lot of things about herself or her personal life,
so it would be consistent with what I knew of her.
Speaker 2 (21:04):
And you, I don't know, do you have any personal
relationship with her? And I'm not talking about a personal relationship,
but have met her, worked with her and know what
her personality is like.
Speaker 4 (21:13):
Yes, yes, and yes. But I worked at Virgin Records.
Speaker 1 (21:16):
I was one of the principal promotion people for her
Velvet Rope album, which came out like in the ninety
six ninety seven time period, and we would see her
often and I was helping as far as her West
Coast promotion.
Speaker 4 (21:31):
Went to her house a few times.
Speaker 1 (21:32):
So you get to see a person how they normally
are when the camera's aren't there. This is pre social media,
so they're not hyper sensitive about photos being taken or
how people may view him or her or them.
Speaker 4 (21:45):
Huh So how does she live?
Speaker 3 (21:48):
Large?
Speaker 4 (21:49):
Large?
Speaker 1 (21:50):
Yes, large, yes, but very personable, very approachable, very quiet
and soft spoken. But I have nothing bad to say
about her. She was nothing but nice in the multiple
times did I know?
Speaker 3 (22:02):
Okay?
Speaker 2 (22:03):
And a question you were promoting records in the nineties.
Did the record companies give you the cocaine to shell
out or did you have to buy it and they
reimbursed you.
Speaker 1 (22:14):
Well, let me be honest with you, Bill, as someone
who knows a little something about cocaine, you've talked about
this in the music industry.
Speaker 4 (22:21):
It was ubiquitous.
Speaker 1 (22:22):
It was everywhere so I never did any type of
drugs when I was in the industry, but I could
every single day if I wanted to.
Speaker 3 (22:30):
Yeah.
Speaker 2 (22:30):
And by the way, the same thing happened in the
legal profession in the eighties, where virtually every lawyer I
knew and vibed in cocaine. Now did I, Well, yeah, yes,
plenty of it, I might add, Wellether, you're still here.
I'm still here. And by the way, you never even
(22:52):
tried it, maybe just not any.
Speaker 4 (22:53):
Never once never?
Speaker 3 (22:55):
Wow?
Speaker 4 (22:55):
Not closed? That was it. Well, part there's a reason.
Part of it was because you're boring.
Speaker 2 (23:00):
No.
Speaker 4 (23:00):
My parents had.
Speaker 1 (23:01):
Dabbled into music industry before me. They were backup singers
and session singers for Tina Turner. And we had a
very close family friend by the name of Fonx Mazel
who was responsible for a Taste of Honey and he
wrote the song ABC for the Jackson, So I was
acquainted with the business on song level. We had people
who would come over to our house who obviously were
high on cocaine, and that was something that made me
(23:23):
want to stay away from it.
Speaker 3 (23:24):
Okay, fair enough, all.
Speaker 2 (23:25):
Right, I'll buy that that resonates all right, MO tonight
from seven to ten pm, as every night he's at
mister Mo Kelly Moe, have a good one.
Speaker 4 (23:35):
Catch you next week, talk soon.
Speaker 2 (23:37):
All right, that's always fun. Yeah, he didn't do cocaine ever. Yeah, sure, okay,
that's fine. Now, by the way, am I in trouble
for saying that?
Speaker 5 (23:48):
No?
Speaker 3 (23:48):
Not really? Not really?
Speaker 4 (23:50):
All right?
Speaker 3 (23:50):
A couple of things.
Speaker 2 (23:51):
First of all, the podcast dress drops in a few minutes,
the Bill Handle Show, podcasts, Spotify, Apple, iHeartRadio app and
today's podcast is about the kind of crap that you buy,
memorabilia and some stuff that you can't even believe people buy.
Also Amy tomorrow five am wake up call, Neil and
(24:13):
I are here, and that's on the air, and then
ConA of course Ann who involved in the background, even
though I don't background them very much. Also taking phone
calls eight seven seven five two zero eleven fifty off
the air and his handle on the law phone calls
marginal legal advice because on Saturday sometimes we're jammed. The
(24:36):
entire show eight seven seven five two zero eleven fifty,
no breaks, no commercials, no weather, no patience.
Speaker 3 (24:46):
And so we go through them fairly quickly.
Speaker 2 (24:48):
Also coming up, Gary and Shannon are at the DNC
all of this week.
Speaker 3 (24:55):
All right, catch it tomorrow, everybody.
Speaker 2 (24:57):
This is KFI AM six forty Live everywhere on the
iHeartRadio app.
Speaker 3 (25:02):
You've been listening to the Bill Handle Show.
Speaker 2 (25:04):
Catch my show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app.
You're listening to bill Handle on demand from KFI AM
six forty.
Speaker 2 (00:07):
And this is KFI bill Handle here. It is a
Thursday morning, August twenty two. And Joel, before we get
to you, a quick mention, and that is to Neil
Neil Savedra as you do my Lemon Lawyer dot com.
Do you know that Oprah Winfrey listens to that commercial
because last night she literally endorseing Kamala Harris said Kamala
(00:33):
Haras dot com page after you. By the way, great segue.
Speaker 3 (00:41):
Three hundred pounds in Lemon law Lawyers. You're going to
get a call today, Well, Fatty, it just is I
like to change it up. Yeah, thanks so much. You know,
I'm I'm.
Speaker 2 (00:52):
You know. I go to therapy twice a week. You're
aware of that. And a lot of it is you.
A lot of it is you.
Speaker 4 (00:58):
You have been fired by more theory I have ever been.
Speaker 2 (01:01):
I have My last therapist fired me because of my guilt.
Speaker 3 (01:07):
I live with guilt for everything I do.
Speaker 2 (01:09):
I've been described as a gold medalist in the Jewish
Guilt Olympics.
Speaker 3 (01:15):
And it's absolutely true.
Speaker 2 (01:16):
All right, Joel, let's do it. It took a lot
of your time, and I'm sorry about that. Here we
go Sunday twelve to two pm how to Money with
Joel Credit Karma Survey and.
Speaker 3 (01:29):
Share that because that's a big one.
Speaker 5 (01:31):
So this is just fascinating, Bill. There's like some new
new information came out about just younger generations want They
don't care about owning stuff in the same way that
they used to, and so they're renting not just like
an apartment instead of buying a house, but they are
renting everything down to like clothing, electronics, furniture, and so
(01:52):
it's kind of fascinating to read. There are all these
sites that have sprung up making it easier to rent
stuff instead of buy it.
Speaker 3 (01:57):
Like huh, like what clothes?
Speaker 4 (02:01):
Yeah, Like so.
Speaker 5 (02:01):
There's this website baby equip If you want to rent
baby stuff instead of buying baby stuff, you can do that.
But like, so I'm going on a backpacking trip with
some friends soon. At RII, you can rent the equipment
instead of buying your own equipment. And so in some
ways that might make sense if you're like, literally, this
is the only backpacking trip I'm ever going on in
my entire life.
Speaker 2 (02:22):
Yeah, that does make sense, Yeah, it does. And a
good backpack is hundreds and hundreds of dollars.
Speaker 5 (02:26):
Sure, but when you look at some of the things,
like I was looking at, like a headlamp, it's twelve
bucks for the first day, four bucks for every additional day,
and that adds up. But you can get a good
headlamp for like twenty two bucks or something like that.
And so I get I'm not against renting certain things,
but I feel like this survey shows that it's kind
of been taken to a whole new level. And depending
(02:47):
on what you're renting and how often you're going to
use that item, you might want to think again, and
buying used can often be a better idea than renting something.
Speaker 3 (02:54):
Yeah, that makes sense. Now I'm fascinated by this. Baby clothes.
Do you know what babies do in baby clothes?
Speaker 4 (03:02):
Yeah?
Speaker 5 (03:02):
I've heard, uh huh, I've had a few. I definitely clothes.
Speaker 2 (03:08):
No, No, used underwear maybe, yeah, you know, you know,
I changed my mind on stuff like the way Germans
change their underwear about once a week. By the way,
for those of you who are German, I don't apologize
for that. I just wanted to point that out. But
is well, we know that in there are times when
(03:32):
it's cheaper, or it makes more sense to rent a
house than it does to buy a house. But my
idea has always been you rent wedding dresses, even for
a couple of hundred bucks, because you don't use them again.
Speaker 5 (03:46):
Right, I mean that's the thing. I mean, unless you're
you're planning on getting married four or five times. But
even by that point, your body might have changed. I
might not be able to fit into it anymore anyway.
So yeah, I think something like a tuxedo or a
wedding dress does.
Speaker 3 (03:57):
That makes sense.
Speaker 2 (03:59):
The other thing it makes a lot of sense, which
people don't do, is rent caskets. Yeah, to buy a
twelve thousand dollars casket and throw it into the ground.
Speaker 5 (04:09):
Yep, that's literally a thing that's happening too. Is people
could rent caskets. Something else that makes sense to rent.
I've seen when you look at the numbers of people
retirees buying RVs and then finding out six months later,
actually I don't really love the RV lifestyle, or even
if I do the one I bought, it's not sufficient,
or I want to change the kind of make and
model that I'm into, And so renting something like that
(04:29):
makes a lot of sense. So you got to be like,
I think, discerning when we're talking about what we're renting
versus what we're buying. And I think maybe there's this
kind of knee jerk reaction for younger folks. I'm just
gonna rent everything. I'm gonna rent my clothes instead of
buying my clothes. And it might make sense in you know,
certain areas, but then I think in other areas, renting's
probably overrated.
Speaker 2 (04:49):
And by the way, is that we talked about this
in reference to this credit card survey. Is this growing
by leaps and bounds?
Speaker 4 (04:59):
Oh? For sure?
Speaker 5 (05:00):
Think about I mean twenty years ago, Bill, did you
ever meet anybody who's like, I'm renting my furniture and
I'm renting my clothing.
Speaker 2 (05:05):
Like only people who were poor who would get into
an apartment where the furniture was part of it and
you would own the furniture after eighteen months and it
was crappy furniture and the landlord.
Speaker 3 (05:20):
Bought it and as part of the rent would make
money on it.
Speaker 5 (05:24):
Well, there's the least to own companies, right, which we
do a lot of advertising and stuff like that, and
oftentimes those if you look at the numbers again. Those
guys are making money hand over fist and they're doing
it at your expense and buying used Facebook marketplace stuff
like that. Craigslist is gonna is going to help you
out and save up the cash to buy that thing
so that you never have to pay for it again.
(05:45):
Sometimes the perpetual renting is just going to cost you
a lot more.
Speaker 3 (05:48):
All right.
Speaker 2 (05:49):
Car free is something I'd like to ask you about.
And I love the name of the company that's or
people that are doing this. Cul de Sac is the
name of the company, and interestingly enough, their business address
is on a cul.
Speaker 4 (06:04):
De sac right.
Speaker 5 (06:06):
Well, so it's interesting. I mean, probably most of the
people listening to the sound of your voice right now
are in a car and they're saying car free that.
How do we even how would you even do that?
How would you pull that off? Well, there are new
communities being built in Phoenix, and then their plans to
build these communities in other cities across the country too,
that are literally car free from them.
Speaker 3 (06:27):
It's from the very beginning.
Speaker 5 (06:29):
And so it's like everything the grocery store, the the gym, everything,
a couple of restaurants, like everything you might need is
within walking distance and biking distance essentially from this pre
planned community. It sounds kind of cool, Like I'm I'm
kind of an avid advocate for people to get out
of their cars more obviously like Los Angeles.
Speaker 3 (06:51):
It's hard.
Speaker 5 (06:51):
It's really hard to do.
Speaker 2 (06:53):
Yeah, but by the way, I mean I agree, And
there are it's like basically the Third Street Promenade where
they're making these walking malls where cars are not involved.
When you go shopping at the supermarket and you have
six bags of groceries, how does that work?
Speaker 3 (07:09):
Car free?
Speaker 5 (07:10):
See, that's part of your work out there, you know,
you bring your bags and you're just your whole it's that.
Then you don't have to go to the gym that
they have on site too, because you carried your groceries
the whole way home.
Speaker 2 (07:18):
Well, okay, I mean I whenever I see a little
lady walking and carrying three or four bags, I mean,
I go up there and I certainly don't ask if
I can help, but I really enjoy watching that.
Speaker 4 (07:32):
That's the struggle.
Speaker 3 (07:33):
Oh yeah, yeah, that's right.
Speaker 2 (07:34):
And occasionally all the groceries fall out that is even
more entertaining. No, But the point is is that's not
easy stuff. And for us, you're right, you know, we
need cars, or we did need cars. Now people are
listening on their devices. But you know, when you think
about it, I'm assuming they have a lot of quote
public public transportation.
Speaker 5 (07:57):
Yeah, so there's often light rail in these systems. And
then when you think about it too, like there's some
projects around the country that are they're talking about putting
in light rail, but the advent of like micro electric
transportation is making that almost unnecessary. Think about e bikes
and kind of the how much people have gotten into
e bikes, Whereas, like you, you would have asked somebody, hey,
(08:17):
do you want to take a bike ride a few
years ago, and they would have been like no, no,
thank you, especially in hilly areas. But e bikes kind
of take that, take the mess and the sweat out
of being able to bike. And so I've got an
ee bike. I take my son to school on it
most mornings, and it is a joy to get around
on that thing. And so you got to, you know,
put your helmet on, be safe. But I love how
much e bikes are changing people's ability micro mobility to
(08:39):
get around, especially people who are older, who are listening
because it makes your legs feel bionic and it's helping
you churn. You can still get a little bit of
exercise and still get to where you want to go.
So I think e bike stuff like that is really
changing that people's ability to get around town.
Speaker 2 (08:54):
Yeah, that's great, especially people that need knees because they're
old and have to replace their knees. That's sort of
accelerates the process, right, and then real quickly if we
can do it. The economic proposals politically, both sides of
this presidency say we're not going to tax tips, which
(09:16):
the government does now. And I'm asking you, wait a minute,
how come every every dime I make gets taxed, every
dime you make, it's tax Why would they not get
taxed on their income.
Speaker 5 (09:27):
There's there's been some silly economic proposals. There's been some
solid ones, but there's been some real weird ones too.
I think that's one of the weirdest ones. And yeah,
think about all of the ways in which people are
going to try to get paid as a tip in
tip form if you write for substack or something like that. Well,
are those tips or is that like some the payments
that people are dropping the six or ten bucks a
(09:49):
month that people pay me for writing my newsletter, Then
how can I count those as as tip income instead
of regular income. It just opens up this can of worms.
The other thing, too, is the proposal basically to tamp
down grocery store price increases, right, and grocery stores are
There's a one there's a ton of competition in the space,
(10:11):
and two that like, how are you going to actually
go about doing this when the grocery store profit margins
are thin to non existent?
Speaker 4 (10:18):
Anywhere You're not.
Speaker 2 (10:19):
I mean, there are gouging controls, especially during natural disasters.
New York has one, and that was when they had
that black when it was blacked out for four days
and you had people selling candles for thirty bucks apiece.
So there are laws against gouging there. But Kamala Harris,
I mean, the argument that she's a communist. This is
(10:42):
Donald Trump's calling her now communist, Kamala, you know what
the argument is. You know, we've never had successful price
controls ever ever. World War two necessary and then it
exploded after that same thing with Nixon and Jerry Ford
exploded after that.
Speaker 3 (11:03):
It makes very little sense. Yeah, and by the way.
Speaker 5 (11:06):
Go ahead, I was just gonna say, it creates like
when you think about what when you try to control
the price of housing or rents or something like that,
often it leads to fewer units, it leads to more
dilapidated units. I mean, there's all of these downstream effects
that are pretty negative. So price controls, yeah, it almost
never works positively.
Speaker 3 (11:22):
Absolutely.
Speaker 2 (11:23):
And by the way, just to when I go to
a restaurant, I always leave cash always, as a matter
of course.
Speaker 3 (11:31):
Servers love that. And as I.
Speaker 2 (11:33):
Leave the cash, I say, I'm going to leave you cash,
but only if you promise me to declare it to the.
Speaker 3 (11:38):
Irs, right, I actually say that.
Speaker 2 (11:40):
I actually say that to servers you understand this has
to be declared, and they sort of look at me
like I'm crazy. But I always have a good time
with that. All right, Joel, thank you. This Sunday from
twelve to two pm, how to Money. He's at how
to Money, Joel. So we'll catch you over the weekend
and of course next week.
Speaker 3 (12:01):
Bill, Yeah, I have a good day, all right.
Speaker 2 (12:03):
I want to talk about selfies for a moment. I'm
going to go in a direction you're not you don't
think about. First of all, we're not talking about the
kind of selfies that I A kind I like, and
that is the kind where you're at the Grand Canyon,
for example, and people walking backwards to get the great
view and they go over the edge and fly three
hundred feet and hit their heads on the rocks.
Speaker 3 (12:23):
Not that kind of selfie. I'm talking about.
Speaker 2 (12:26):
The selfie where you take pictures of yourself at destinations.
You know, for example, you're taking picture at a great hotel,
or at a wedding, or at a bar mitzvah, or
at a kinsinera, and you're taking photos and you're posting them.
And an experiment was done by this researcher out of
(12:49):
Tulane and look at how people buy their destinations or
choose their destinations.
Speaker 3 (12:58):
And here is the fun part.
Speaker 2 (12:59):
With selfie people that if you're looking at a destination
and you're looking at photos for example people and of
course people take selfies like crazy and send them to everybody.
If I'm looking at a photo, according to this study,
if I'm looking at a place, let's say I want
to have my girls bought mitzvod, and I see pictures
(13:23):
at the venue, that's not as enticing to me as
looking at pictures of the venues without people, and you go,
wait a minute, don't you want to see how people
are having good time? No, there's a whole aspect of territory, territoriality.
It's almost like dogs being territorial about their spaces. What
(13:46):
happens is subconsciously we're looking at a place to go,
and those people that you see somehow are sort of
marking their territon territory. And this is all subkid just
by the way, and what it does is effectively turn
you off. You're less app to book that location if
(14:07):
you see people there having a ripper in good time.
As I said, counter completely counterintuitive, but it's these are
experiments that were done, six studies that were done to
check that hypos hypothesis. It's just really weird. Now, let's
say you are planning a wedding. You're gonna have a wedding,
(14:29):
and you're trying to figure out where you're gonna go
and which venue, and you look.
Speaker 3 (14:33):
At the venue that's empty.
Speaker 2 (14:35):
It just gives you sort of the place, the flowers
around it, and where they put the chairs, et cetera.
You're more app to book there than that same venue.
With this gorgeous couple tying than not. And even if
we're talking about the marketing, which of course they always
get models to do that, it drives me crazy. It's
you know what ends up happening if your borrow if
(14:57):
you are looking at a wedding venue and they have
photos of this great looking guy tying the knot with
a great looking girl, he's gay. Do you understand he's
a gay model. He's not really getting married. I mean,
we know that, but it just so happens that it's
(15:17):
like every dancer in a chorus that.
Speaker 3 (15:20):
A musical must be gay.
Speaker 2 (15:21):
It is the law, by statute, you cannot have straight
dancers in our society. So you take the selfie or
you take the photo with someone in it, and it
just doesn't sell as well. You know, happy campers there
do not sell as well. Now, if you're a wedding planner,
(15:45):
you don't care. If you're planning a wedding for someone else,
you just don't care.
Speaker 3 (15:51):
And so what do you get? Have you?
Speaker 2 (15:53):
And I am now starting to really get into social media,
which I never have done before. I'm on Instagram at
Bill handleshow and the website that I developed, and that's
the Bill handleshow podcast dot com.
Speaker 3 (16:11):
And you'll see how I'm.
Speaker 2 (16:13):
Involved in social and you know, I just don't like
many selfies.
Speaker 3 (16:17):
I mean I've taken selfies. People take selfies with me.
Speaker 2 (16:23):
You know, fans of the show occasionally, not many, rarely.
Every once in a blue moon, Okay, every several months
someone comes up and goes, Bill, can I take a
selfie with you? And I go, of course, And there
we are grinning at each other. We're stupid. I mean,
how great a photo can you get with a camera
(16:43):
that you are holding at arm's length. But that's the world, now,
that is the world. So this study comes out and
it was fascinating. Bottom line is the venue does not
want you, if the study is correct, and six studies
does not want you to look at an event location
(17:04):
that has people in it, even having a good time.
And I don't know if you've ever been to a
bar mitza, for example, that's another law.
Speaker 3 (17:15):
You cannot have a good time.
Speaker 2 (17:17):
It's impossible. They go on forever and ever and ever,
and well, you know when you see someone eighty five
years old dancing, that's kind of wonderful.
Speaker 3 (17:31):
And I have a really I'm gonna do this. I
have a really great story for you.
Speaker 2 (17:35):
There was a wedding where there was a man who
mentored me, and he was a big guy, weigh over
three hundred pounds, and he was athletic as hell.
Speaker 3 (17:43):
I mean he could, you know, click.
Speaker 2 (17:45):
His heels jumping up and click his hills sideways. I mean,
you've seen that he could do that. And so I'm
at this wedding and he goes up to big show
off and goes up to click his heels and hits
a lady in a walker at she must have been
(18:06):
eighty five years old. She crumpled to the ground and
when the mirror paramedics took her away, she was unconscious.
Never know what happened to her. But let me tell
you that was one of the most memorable, exciting weddings
I have ever been to, and that I wish I
had a photo of that. That is not me making
(18:27):
it up either. By the way, he was convicted of
murdering his wife and is in prison. It's true, It's
absolutely true, and he's in prison for the rest of
his life without parole.
Speaker 3 (18:38):
Well, there you go. I wanted to share that with you.
Speaker 2 (18:41):
Mo Kelly, who has heard Mondays and Friday seven to
ten pm, and he's at Mister mo Kelly is his
social address. MO.
Speaker 4 (18:50):
Good morning, Good morning Bill.
Speaker 2 (18:53):
Great story about Janet Jackson and this is way beyond
Kevin Bacon.
Speaker 3 (18:59):
With six degrees or three degrees of separation.
Speaker 2 (19:02):
Janet Jackson looks like she is somehow connected and her
relatives include Stevie Wonder, Samuel Jackson, Tracy Chapman.
Speaker 4 (19:14):
How does that work?
Speaker 1 (19:16):
Well, we did this before. She is related, just like
everyone else. I mean, you have people in your family
that you may not know that you're related to, and
then you do some investigation you realize that people who
may also be famous are related to you.
Speaker 4 (19:31):
Samuel L.
Speaker 1 (19:31):
Jackson is one of them, Tracy Chapman and someone else
I can't even read Wonder Stevie Wonder.
Speaker 4 (19:38):
Yes, so you know how close is this?
Speaker 2 (19:42):
Yeah? I'm assuming she did one of like twenty three
and me she did one of the DNA tests and
up it comes. And so how close is Stevie Wonder
to her?
Speaker 1 (19:54):
Well, first, it wasn't a DNA test. It's something that
has been known for years. It's not something that she
has divulged over the years. It's something that was known
as far as the family was concerned, but they just
did not promote it. She has not been explicit as
far as how close, but relatively close, I want to say,
if maybe second or third cousins. She did mention in
(20:14):
an interview with the BBC that Stevie Wonder was related
on her mother's side, which says to me, it's relatively close.
Speaker 3 (20:22):
You know, why would you.
Speaker 2 (20:24):
Keep it a secret that you're related to Stevie Wonder.
I mean, that would give you even more creeden, especially
as an entertainer. Samuel Jackson, I mean, you know, that's
pretty high.
Speaker 3 (20:37):
That's pretty rare air up there, rarefied air. I don't
understand keeping that quiet at all.
Speaker 1 (20:42):
Well, the Jackson's family has been notoriously private for the
past fifty years or so, so it wouldn't be surprising
to me if you've ever dealt with Janet Jackson. She's
a very soft personality, a quiet person. She doesn't really
tell a lot of things about herself or her personal life,
so it would be consistent with what I knew of her.
Speaker 2 (21:04):
And you, I don't know, do you have any personal
relationship with her? And I'm not talking about a personal relationship,
but have met her, worked with her and know what
her personality is like.
Speaker 4 (21:13):
Yes, yes, and yes. But I worked at Virgin Records.
Speaker 1 (21:16):
I was one of the principal promotion people for her
Velvet Rope album, which came out like in the ninety
six ninety seven time period, and we would see her
often and I was helping as far as her West
Coast promotion.
Speaker 4 (21:31):
Went to her house a few times.
Speaker 1 (21:32):
So you get to see a person how they normally
are when the camera's aren't there. This is pre social media,
so they're not hyper sensitive about photos being taken or
how people may view him or her or them.
Speaker 4 (21:45):
Huh So how does she live?
Speaker 3 (21:48):
Large?
Speaker 4 (21:49):
Large?
Speaker 1 (21:50):
Yes, large, yes, but very personable, very approachable, very quiet
and soft spoken. But I have nothing bad to say
about her. She was nothing but nice in the multiple
times did I know?
Speaker 3 (22:02):
Okay?
Speaker 2 (22:03):
And a question you were promoting records in the nineties.
Did the record companies give you the cocaine to shell
out or did you have to buy it and they
reimbursed you.
Speaker 1 (22:14):
Well, let me be honest with you, Bill, as someone
who knows a little something about cocaine, you've talked about
this in the music industry.
Speaker 4 (22:21):
It was ubiquitous.
Speaker 1 (22:22):
It was everywhere so I never did any type of
drugs when I was in the industry, but I could
every single day if I wanted to.
Speaker 3 (22:30):
Yeah.
Speaker 2 (22:30):
And by the way, the same thing happened in the
legal profession in the eighties, where virtually every lawyer I
knew and vibed in cocaine. Now did I, Well, yeah, yes,
plenty of it, I might add, Wellether, you're still here.
I'm still here. And by the way, you never even
(22:52):
tried it, maybe just not any.
Speaker 4 (22:53):
Never once never?
Speaker 3 (22:55):
Wow?
Speaker 4 (22:55):
Not closed? That was it. Well, part there's a reason.
Part of it was because you're boring.
Speaker 2 (23:00):
No.
Speaker 4 (23:00):
My parents had.
Speaker 1 (23:01):
Dabbled into music industry before me. They were backup singers
and session singers for Tina Turner. And we had a
very close family friend by the name of Fonx Mazel
who was responsible for a Taste of Honey and he
wrote the song ABC for the Jackson, So I was
acquainted with the business on song level. We had people
who would come over to our house who obviously were
high on cocaine, and that was something that made me
(23:23):
want to stay away from it.
Speaker 3 (23:24):
Okay, fair enough, all.
Speaker 2 (23:25):
Right, I'll buy that that resonates all right, MO tonight
from seven to ten pm, as every night he's at
mister Mo Kelly Moe, have a good one.
Speaker 4 (23:35):
Catch you next week, talk soon.
Speaker 2 (23:37):
All right, that's always fun. Yeah, he didn't do cocaine ever. Yeah, sure, okay,
that's fine. Now, by the way, am I in trouble
for saying that?
Speaker 5 (23:48):
No?
Speaker 3 (23:48):
Not really? Not really?
Speaker 4 (23:50):
All right?
Speaker 3 (23:50):
A couple of things.
Speaker 2 (23:51):
First of all, the podcast dress drops in a few minutes,
the Bill Handle Show, podcasts, Spotify, Apple, iHeartRadio app and
today's podcast is about the kind of crap that you buy,
memorabilia and some stuff that you can't even believe people buy.
Also Amy tomorrow five am wake up call, Neil and
(24:13):
I are here, and that's on the air, and then
ConA of course Ann who involved in the background, even
though I don't background them very much. Also taking phone
calls eight seven seven five two zero eleven fifty off
the air and his handle on the law phone calls
marginal legal advice because on Saturday sometimes we're jammed. The
(24:36):
entire show eight seven seven five two zero eleven fifty,
no breaks, no commercials, no weather, no patience.
Speaker 3 (24:46):
And so we go through them fairly quickly.
Speaker 2 (24:48):
Also coming up, Gary and Shannon are at the DNC
all of this week.
Speaker 3 (24:55):
All right, catch it tomorrow, everybody.
Speaker 2 (24:57):
This is KFI AM six forty Live everywhere on the
iHeartRadio app.
Speaker 3 (25:02):
You've been listening to the Bill Handle Show.
Speaker 2 (25:04):
Catch my show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app.
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Popular Podcasts
On Purpose with Jay Shetty
I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Crime Junkie
Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.
Ridiculous History
History is beautiful, brutal and, often, ridiculous. Join Ben Bowlin and Noel Brown as they dive into some of the weirdest stories from across the span of human civilization in Ridiculous History, a podcast by iHeartRadio.