June 12, 2025 • 26 mins
(Thursday 06/12/25)
Host of ‘How to Money’ Joel Larsgaard joins the show to talk about homeowners going without insurance as costs rise, the EFT that allows you to invest in NFTs, and ‘functional unemployment’ being near 25%. Height filters are taking off on dating apps. Host of ‘Later with Mo Kelly’ joins the show to discuss the collaboration where Amazon Prime members can buy tickets to screenings 3 days before a movie’s official release date.
Host of ‘How to Money’ Joel Larsgaard joins the show to talk about homeowners going without insurance as costs rise, the EFT that allows you to invest in NFTs, and ‘functional unemployment’ being near 25%. Height filters are taking off on dating apps. Host of ‘Later with Mo Kelly’ joins the show to discuss the collaboration where Amazon Prime members can buy tickets to screenings 3 days before a movie’s official release date.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
You're listening to kf I Am six forty the Bill
Handle Show on demand on the iHeartRadio app.
Speaker 2 (00:09):
A quick word about tomorrow.
Speaker 1 (00:12):
We have Footy Friday eight d eight thirty with Neil,
and then eight thirty to nine it's ask Handle anything
where you get to embarrass me, and I will answer
virtually ninety nine percent of your questions. Now, there's certain
things that I won't answer. You know, hey, Bill, how
(00:33):
many STDs have you had that in sh it three times?
And I'm certainly going to answer the question. So here's
what you do. During the course of the show. Between
five and nine, you go to the iHeartRadio app and
click on the Bill Handle show or yeah, just from
six to nine you click on the Bill Handles Show.
(00:53):
You'll see a microphone on the up right hand corner.
Click on that. That was me going, Click on that
effects and just ask the question. Fifteen to twenty seconds
to record, and then we'll pull the ones that are
the most fun. Neil usually makes that choice and we
all hear the question at the same time and I
answer them.
Speaker 2 (01:15):
Yeah, great fun, all right.
Speaker 1 (01:17):
Joe Larsgard, host of How to Money Every Sunday twelve
to twelve pm to two pm right here on KFI.
Speaker 2 (01:25):
Good morning, Joel. Phil almost almost cut you off.
Speaker 1 (01:30):
This is something that I have talked about, and we
have talked about, and some people don't have any choice homeowners.
Speaker 2 (01:38):
And I get this occasionally on Handle on the Law.
Speaker 1 (01:40):
Homeowners are going without home insurance.
Speaker 2 (01:44):
That's insane. Explain how yeah, go ahead, Well, it's truly insane.
Speaker 3 (01:51):
But I get too, Like when you look at what's
happened inflation wise with insurance over the past few years,
it put people between a rock in a hard place.
And it's one of those things where you buy a
home and you're like, oh, the great thing is you
know renters, their their rent goes up year after year,
my mortgage stays the same. Well, when taxes go up,
(02:11):
or when you know your insurance costs go up, your
mortgage can go up, right, And and people are just
experiencing sticker shock, especially in certain parts of California, when
it comes to what they're paying for homeowners insurance. And
so some people are saying, maybe it's maybe I should
just ditch it. And the truth that this dat always
shocks me.
Speaker 2 (02:31):
Bill.
Speaker 3 (02:32):
I don't know if you've heard like forty percent of
Americans own their home out right, they don't have a mortgage.
That always shocks me. I'm so surprised by that. But
if you are one of those people who doesn't have
a mortgage, who owns their home, you certainly have the ability.
There's nobody forcing you to have to carry insurance on
the property.
Speaker 2 (02:50):
But if you do that, you're taking a huge gamble.
Speaker 3 (02:54):
Yeah, are you going to be able to actually rebuild
the house with cash or with sources that you have
at your disposal without having insurance coming to help you out?
Speaker 2 (03:04):
Probably not. Now. If you are, if you have a mortgage,
you're buying insurance.
Speaker 1 (03:08):
There is no mortgage company on the planet that will
let you not have a mortgage a home insurance.
Speaker 3 (03:14):
Well, and if you try, if you try to ditch
your insurance, then the mortgage company is going to say, well,
we're going to buy the insurance for you, and it's
going to cost a heck of a lot more than
if you had chopped around in the open marketplace and
gotten that insurance yourself.
Speaker 1 (03:28):
And also, at least in California, if you are uninsurable
or don't have insurance, you can go to the fair Plan,
which is only for fire insurance, which is ridiculously expensive
and is limited in coverage.
Speaker 2 (03:41):
So I lost my home insurance because so many people.
Speaker 1 (03:46):
Did and I was It took me two and a
half weeks to find insurance after my insurance lapse.
Speaker 2 (03:52):
I did not have home insurance. I own my house.
Speaker 1 (03:56):
I did not have a mortgage, but of course I'm
going to have home insurance, come hell or water.
Speaker 2 (04:00):
Two and a half weeks, I was bare, Joel. I
did not sleep for two and a half weeks. It
was crazy. I ended up getting insurance.
Speaker 1 (04:10):
Which cost me exactly double and the coverage was maybe
two thirds yeah, yeah, not nearly as good, and it
cost me twice as much.
Speaker 3 (04:23):
And that's the place that a lot of people are
finding themselves in. And so I think at least one
one way to the one thing that can help at
least some people if you have been pretty good about
building up your savings, is to increase your deductible and
that can lower your premium. So if you're like, oh
my gosh, I try to keep everything the same and
the premium skyrocketed, well if you can, if you can
(04:46):
raise that deductible up higher and have more skin in
the game, if something were to happen to your home,
then that can bring those premiums back down. And so
whether that's going from a twenty five hundred dollars deductible
to a five thousand dollars deductible or up to a deductible,
or sometimes there's even a percentage deductible that I've been
able to get on my home, And yeah, it means
that something happens to my home when like the tree
(05:07):
fell through my roof a couple of years ago. That's
one of those things where I was like, oh man,
I kind of wish I had had a lower deductible.
But ultimately, over time it will save you money on
those mediums. You just have to be prepared with cash
in the bank if something actually does happen then to
the property.
Speaker 1 (05:22):
Now, I had an insane deductible because I view insurance
as catastrophic insurance.
Speaker 2 (05:26):
That's it same.
Speaker 1 (05:27):
Yeah, and I had a twenty five percent twenty five
thousand dollars deductible, figuring God forbid it all goes up,
and I can always borrow twenty five thousand dollars if
you know I have land value, you can. It's it's
not easy, but you can always somehow scramble twenty five
thousand dollars a loan from the bank or whatever you
(05:48):
can do.
Speaker 3 (05:48):
Or your buddy Neil Savedra, he's got your back.
Speaker 1 (05:51):
Right, yeah, Neil, Joe you Neil, you have insurance?
Speaker 4 (05:55):
What's your deductible? I couldn't even my wife could. I
have no idea, all right, but I am right in
line with you, guys. I feel the same way you
deal with catastrophic and you suck it up if you
have to to pay lower monthly.
Speaker 1 (06:12):
Yeah, otherwise you can't afford it. And you're absolutely right.
So insurance is not any fun anymore. It used to
be not a lot of money. You know, Hey, you
buy insurance. It was not the end of the world.
It was sort of the cost of doing business. Today
it can be absolutely astronomical. Coming back, talk a little
bit about unemployment, and man, you know this is statistics.
(06:35):
We have a four point three percent unemployment rate nationally.
Speaker 2 (06:39):
It is spectacular.
Speaker 1 (06:40):
It's considered full employment at four point three percent. However,
there's a caveat and we'll come back with that. Continue
with the program coming up at eight fifty, last segment
of the day on Thursday, as we always do.
Speaker 2 (06:53):
Mo Kelly joins us.
Speaker 1 (06:56):
Now back we go Joel Larsgard, who is with us
from eight thirty Thursday, a host of How to Money
Sunday twelve pm to two and his social address at
how to Money. Joel, Joel, you talk about this insane
headline in Fast Company saying that functional unemployment is near
(07:18):
twenty five percent, and.
Speaker 2 (07:19):
We all agree that's kind of nuts.
Speaker 1 (07:22):
But it's all also not four point three because this
is looking at statistics. You know, for example, the Great Depression,
I think unemployment was officially pegged at twenty five percent
and it was probably closer to fifty percent. All right,
let's talk about what's going on and what do you mean?
What do they mean by functional unemployment?
Speaker 3 (07:44):
Yes, so it's this study that came out from this
point he headed Economic Institution, basically saying that what they
think the true rate of unemployment is the what they're
calling the functional rate. It takes into account people who
are not not just the traditional thing that the US
Labor Service is taking into account, but it's people who
(08:05):
have full time jobs and they're just not making enough money,
Like they're making under twenty five thousand dollars a year,
so they're saying, we're working into a broader account the
kinds of people who just don't have the kind of
jobs that they would otherwise want to have. And so
they're saying, well, hey, that the functional unemployment rate based
on our statistics is something closer to twenty five percent,
and that would obviously be a far cry from the
(08:28):
just over four percent rate that we're seeing the headline rate.
And I think the truth lies closer to the four
percent rate, but somewhere in the middle. And that's because
there is an employment statistic known as U six, which
is the headline rate that we see bandied about is
known as YOU three. And when you look at U six,
you're actually measuring people who are underemployed or people who
(08:51):
are working part time and they wish that they were
working full time. So maybe they are, you know, sidelined
into something that isn't making them as much as the otherwise.
Speaker 2 (09:00):
And I think I think U.
Speaker 3 (09:01):
Six is a better reflection of what's going on in
the labor market because U three is maybe a little
overly optimistic or not taking into account people who have
jobs that they otherwise they wouldn't actually want.
Speaker 2 (09:14):
In reality.
Speaker 1 (09:16):
One of the stats that when we talk about unemployment,
for example, there are X number of people unemployed who
are looking for jobs and they're unemployed, and there are.
Speaker 2 (09:27):
People that just gave up because they just.
Speaker 1 (09:29):
Can't find employment, and that's a lot of people. They're
no longer unemployed. They don't exist anymore in the system,
that's right, they just fall out. Well, they're still unemployed,
and so you would think that would add to the
numbers of people, and the stats don't tell us that
(09:49):
that's right.
Speaker 3 (09:49):
Yeah, So those people then get out of the statistic
pool because they gave up. Because they gave up, but
it doesn't mean that they got a job. It just
means that they don't count anymore as looking for a job,
which is what makes the unemployment numbers a little wonky
at times, or maybe untruthful. And that's why I think
U six at least does a little bit of a
better job. And this functional unemployment rate is a little
(10:11):
ridiculous because maybe it's taking too many things into account,
and so the truth does lie somewhere in the middle.
The interesting thing too, is that right right now, and
this hasn't been really the case since the Great Recession,
is college graduates are having harder time, a harder time
finding a job then they have been typically, and so
their unemployment rate is higher than the average unemployment rate.
(10:35):
So college grads are having an unemployment rate or having
a harder time finding a job, and so it's bumping
up higher and higher, and I think it could be
difficult right when you graduate from college to figure out
what you do. Do you take the first job offer
that's given to you because or do you hold out
for something something better that's going to help you on
your career. And the truth is, when you look at
the statistics, that first job, on average has a really
(10:59):
large impact on what you're going to earn down the road.
So I think it's really important for college grads to
be careful in a work environment like this. And some
college grads find, and this might sound a little counterintuitive,
that in an economic cycle, if we are in a
ringam recession or something like that and things are getting tougher,
that going back to school, as long as you're not
taking on too much debt to get that additional degree
(11:20):
and kind of waiting it out and getting an additional
degree while the recession is happening can set them up
for more success when as the economy is recovering.
Speaker 1 (11:29):
Yeah, that's precisely what's happening to my daughter, Pamela. She
has her degree, finish her degree in computer science. She's
got a several degrees because you know, Dad pays for school.
There's a five twenty nine plan, so it's much easier
going to school and sitting on your ass and actually
going out and working. She cannot get a job in
her field, and so she's going.
Speaker 2 (11:52):
Back and getting a master's degree.
Speaker 1 (11:54):
She starts her master's program in computer science and she's
going to specialize in cybersecurity. And so she's now unemployed
or in her field that she wants to work in
with a bachelor's degree. And I can't wait for her
to then be unemployed with a master's degree, because that's
going to be a thrill too. It's the app and
(12:17):
the underemployment part is that that bothers me.
Speaker 2 (12:21):
You have people with skills who should.
Speaker 1 (12:24):
Be employed and they're working as a barista, or they're
working at a job that they are way overqualified for
and not even full time. As you pointed out, that's
still considered employment as part of the statistics, and I
don't think it is.
Speaker 3 (12:38):
Well, and people who find themselves in the absolute worst
place are people who went to college, racked up a
certain amount of college that but didn't finish and get
a degree.
Speaker 2 (12:47):
And that has been the case.
Speaker 3 (12:49):
But those people, their situation has been exacerbated as the
cost of college has been driven up, and so the
amount of debt they've taken.
Speaker 2 (12:57):
On has just accrued and accrued.
Speaker 3 (12:59):
And then yet they'd say I'm two years into this,
I'm three years into this, but I'm not going to
stick it out, and they don't actually get the degree.
Then they find themselves out. I've got to pay back
these loads of student loan debt, but I don't have
the degree to be able to get the job that's
going to offer me higher pay. So that's I think
the position I want people to avoid. Like the plague,
that's the worst case scenario.
Speaker 1 (13:18):
All right, Joel, This Sunday two to twelve to twelve
to two, and I'm always fun listening to you. We'll
catch you over the weekend. Take care sounds good, thanks Bill?
All right, coming up, there are some new filters. You
go on Tinder or is that grinder?
Speaker 2 (13:38):
I think tender.
Speaker 1 (13:39):
You go on tender to find someone and what if
you're too tall?
Speaker 2 (13:44):
Huh, that's the thing.
Speaker 1 (13:46):
Going on, and I'll explain how that works. And then
we've got Mo Kelly up at the eight to fifty
hour or the eight fifty segment. That's an honor Brian Wilson,
who died yesterday at the age of eighty two, described
as a musical genius by virtually everybody, all the news
reporting agencies.
Speaker 2 (14:04):
And it's kind of hard to argue with that.
Speaker 1 (14:06):
I don't know how many people use tender to find
out or define folks to connect with. When it first started,
when match dot com or harmonye or whatever the hell
it was people who found their partners on the net,
it was considered you kind of ridiculous, you know, I mean,
aren't you introduced to people? You know?
Speaker 2 (14:28):
Isn't it a form of desperation to go to these programs?
Speaker 1 (14:34):
And now it's almost that's what you do. It is
that's what you do. It's who you want and hear
your qualifications and you filter out everybody that doesn't make
sense and you're only dealing with people that are going
to fit.
Speaker 2 (14:51):
Now.
Speaker 1 (14:51):
When I turned single, after I had left my girlfriend
prior to meeting Marjorie and by the way, it was
a really tough year because I'd be introduced to people,
or i'd meet people, I'd go, Hi, my name is Bill.
By the way, I just want to let you know
I'm a successful attorney and I live with my mom
and dad. It was a really rough year. Not good
(15:14):
when you're in your thirties. And then I met Marjorie,
introduced by a friend. And that's the way it used
to be, not anymore. Well, there is something going on
with Tinder right now. Natasha Burns, who is looking for someone,
she tells potential matches, I'm probably taller than you, all right,
(15:38):
So she's getting people who are jumping in. Oh, it's
nice to know. How much taller than me are you?
She's six five And that gets to be a tough one.
And Tender is testing a feature that lets paying users,
not the not the non paying ones set high preference
(16:00):
is for potential partners.
Speaker 2 (16:03):
You know.
Speaker 1 (16:04):
So what I mean, I don't even know why that's
a story, But the story is that you can set
preferences and it winnows down the number of people that
you are looking at that are appropriate. Now, it used
to be that when you had nobody you know what
people used to do back in the day. They take
(16:25):
a classified ad out looking for someone, you know.
Speaker 2 (16:30):
I once tried that when I was single.
Speaker 1 (16:32):
Now, when you describe yourself a little bit, I hate
walks on the beach, I hate nature, I don't like
vegetarian food. I have no friends. I got very few responses,
very few. And the people that I did meet, I
found out were double amputees who drooled a lot and
(16:53):
had a hump on their back.
Speaker 2 (16:55):
So it was a little bit tough.
Speaker 1 (16:58):
Now I'm making a lot of fun of this, but
that's one of the good things about the Internet. You
can find someone very quickly, particularly with the algorithms today
and the other The first thing, when there were matches
on the internet, it was literally people throwing together matches.
Speaker 2 (17:15):
Okay, this is gonna work for you, this is gonna
work for that.
Speaker 1 (17:18):
It was manual, and then, of course as technology improved,
it's gotten to be pretty sophisticated. Well, this story out
of CNN dot com is talking about height, and I
don't know why that's a big deal, but it is.
I would think that when you talk about being specific,
it would be about weight, that that would be what
(17:41):
most people would consider Now it could be because I
grew up pretty fat and I am pretty reluctant to
deal with it. For example, I always had a problem
dating heavy women because I was heavy and I was
not comfortable, so that was my prejudice. Also, no, I'm
(18:05):
not going to go into that. The point is that,
you know, that's what I would ask. But for some reason,
the story is it's more people are involved in height,
and I think people are When you talk about guys,
particularly guys, are you know they're really if they're not
tall as they're a girlfriend or spouse, you know, there's
(18:29):
a real problem. You have to be a pretty self
actualized guy, pretty pretty comfortable with yourself if you have
a wife or a girlfriend that's six inches taller than
you are. By the way, this gal and Natasha her
how now her husband is six inches shorter than she is.
Speaker 2 (18:49):
Now, what I.
Speaker 1 (18:50):
Do okay with someone who is that much taller than me.
Speaker 2 (18:57):
One of my.
Speaker 1 (18:57):
First surrogates who is still a dear, dear friend, and
we're talking about going back what forty years maybe Pam.
She is six foot two in her stocking feet, and
when we would go to dinner, when we'd connect for dinner,
she would come in with four inch heels and she
(19:20):
has legs up to her armpits and she Now keep
in mind, now we're talking six foot six walking.
Speaker 2 (19:27):
Into a room.
Speaker 1 (19:29):
Every eye was absolutely drilled on her. And she was very,
very comfortable with that. And depends on you know, would
she be comfortable with a guy that's five foot three.
I think she would, But the guy five foot three
would have a real problem with that.
Speaker 2 (19:46):
And another issue is guys.
Speaker 1 (19:49):
You know, should make more money than women, right because
that's the concept house husbands, where the breadwinners is the
woman right now? Is the wife right now? It's a
lot better than it was my joy. You know, My
fantasy was to make a pile of money and have
(20:10):
my spouse make one dollar less than I do, so
I could still feel like I was the mocker in
the family.
Speaker 2 (20:20):
Okay, we're done.
Speaker 1 (20:22):
Why don't we pick it up with mo Kelly when
we come back, and we'll finish the program, and there's
news about Amazon Prime, of which I am a member,
and this may connect with me.
Speaker 2 (20:33):
We'll be right back.
Speaker 1 (20:34):
Neil's going to jump in here and talk about Disney.
I am taking phone calls, handle on the law off
the air as soon as I lock out and Gary
and Shannon start their show. The numbers eight seven seven
five to zero eleven fifty Marginal Legal Advice off the
air eight seven seven five two zero eleven fifty in
(20:55):
just a few moments, Neil, what's going on in the
world at Disney.
Speaker 4 (21:00):
The Disneyland Resort seventieth celebration. And it's not a celebration
without you, of course, So with all the sights and
laughter and fun, everybody is thrilled, including Amy k King
and me.
Speaker 2 (21:13):
KFI.
Speaker 4 (21:13):
I'm six forty wants to give you a chance to
win a family four pack of one day, one park
tickets to Disneyland Park or Disneyland California Adventure Park and
join this limited time event. Keep listening to KFI for
your chance to celebrate with us. Offerings subject to restriction
and change without notice. But a lot of stuff going on.
(21:35):
They're great food, they're doing for limited times, swag, all
kinds of fu stuff.
Speaker 1 (21:42):
Moll Kelly is on every day here on KFI seven
to ten pm, and we on Thursdays usually have Moan,
Good morning.
Speaker 2 (21:50):
Mo Good morning Bill. How you doing Oh I.
Speaker 1 (21:53):
Am yeah, reasonably well And I'm.
Speaker 2 (21:55):
Asking you but you know do I care? Now?
Speaker 1 (21:59):
Prime members, of which I am one have been for
a long time, there's something new you can buy. We you,
I'm assuming you're prime, can buy tickets to a screening
three days before the official release date of a movie.
Speaker 2 (22:15):
That's new.
Speaker 1 (22:16):
And that's kind of neat for people who want to
see a movie before its release. And how much is
it going to cost?
Speaker 5 (22:24):
Well, it's going to be like a regularly priced ticket,
but you got to be a Prime member. And here's
the larger big picture pun intended. This is signifying how
streaming and movie studios are working together. They're called Amazon
Prime Early Access Screenings, and like we said, it allows
Amazon Prime members like you me, most people were listening.
(22:45):
And if you purchase the tickets, well, you have to
purchase the tickets through fandango, and then you get to
see movies like Superman, which is going to be one
of the most anticipated movies of the summer. You can
see it three days in advance and then brag and
to all your friends and enemies that you've already see
in the movie.
Speaker 1 (23:01):
All right now you're talking about it's going to be
it's going to cost the price of a ticket. Is
that fifteen dollars and you can have six friends and
family members sit in front of the screen and basically
two dollars apiece.
Speaker 5 (23:14):
No, they're going to be regularly priced tickets, and it's
going to depend on location, and it's going to.
Speaker 2 (23:19):
Do Oh I see okay, Oh I get it.
Speaker 1 (23:21):
You're talking about going to the movie theater if you
are a Prime member. Okay, Oh, it's just three days
before if you wait three Yeah, okay, you know you
think that's a big deal because the way it's sounding
it isn't to me.
Speaker 2 (23:36):
No, it is.
Speaker 5 (23:37):
And Fandango and Amazon Prime is that you can take
it for what it's worth. They're saying, at least with
the Superman movie, it's the largest first day seller that
they've ever had in doing this. So there is immense
interest in this, and it may be the way that
other streaming platforms will try to work collaboratively with movie
studios to help promote the brand. Say it's Netflix next time,
(24:01):
and as well as the movie which is coming out,
And there's probably a tie in where when Superman eventually
does go to streaming, it'll be on Amazon Prime.
Speaker 1 (24:10):
Yeah, my daughter saw Wicked in the theater just as
it opened up and was screaming at me to go
see it, and there was no way I was going
to go to a theater, so I ended up buying it.
I think it was Netflix or whatever it was on
thirty dollars. Thirty dollars to see Wicked. I'm still trying
to get the thirty dollars back from her.
Speaker 2 (24:28):
No you're not, No, you're not.
Speaker 5 (24:29):
Here's why, because you saw it, your daughter saw it,
other people have seen it, and if you actually went
to the theater, you would have spent more than thirty
dollars for just the two tickets alone.
Speaker 1 (24:38):
Not saying concessions, I wouldn't have paid two dollars to
see the movie.
Speaker 2 (24:44):
But well that's a different story. Yeah, that's it was.
Speaker 1 (24:48):
I'm still still I'm taking thirty bucks out of her
next holiday gift.
Speaker 2 (24:52):
All right, mo as always, thank you, sir.
Speaker 1 (24:55):
Tonight seven pm to ten pm social address at mister
mo Kelly.
Speaker 2 (25:00):
I'll catch you a night moo of a great weekend
you too. All right, we're done, guys.
Speaker 1 (25:05):
I am taking phone calls for Handle on the Law
off the air, and I will go through them pretty quickly,
because when Gary and Shannon start and you start calling me.
Speaker 2 (25:18):
You can listen to.
Speaker 1 (25:19):
Gary and Shannon while you're waiting on the call, and
you won't be a waiting very long because there are
no commercials, there are no breaks, there is no weather,
there is no news, and there.
Speaker 2 (25:29):
Is no patience on my part.
Speaker 1 (25:31):
If you've listened to the show, you know exactly what
I'm talking about. The number eight seven seven five to
zero eleven fifty eight seven seven five to zero eleven
fifty that starts in just.
Speaker 2 (25:44):
A moment tomorrow morning.
Speaker 1 (25:46):
It's Amy and insert name of traffic person here, will
comes back next week, right.
Speaker 2 (25:53):
Amy, Yeah, he'll be back with this Monday.
Speaker 1 (25:55):
Excellent, And so wake up call tomorrow morning five to six,
and then the show the rest of the show six
to nine, where Neil and I jump in there, and
of course Samy and Kono being there, or An and
Kono being there.
Speaker 2 (26:08):
All the time.
Speaker 1 (26:09):
All right, have a good one catch in the morning,
and don't forget eight seven seven five two zero eleven fifty,
just in case you have a memory like mine, because
I told you this about forty seconds ago. Eight seven
seven five two zero eleven fifty. This is KFI AM
six forty You've been listening to the Bill Handle Show,
Catch My Show Monday through Friday six am to nine am,
(26:32):
and anytime on demand on the iHeartRadio app
You're listening to kf I Am six forty the Bill
Handle Show on demand on the iHeartRadio app.
Speaker 2 (00:09):
A quick word about tomorrow.
Speaker 1 (00:12):
We have Footy Friday eight d eight thirty with Neil,
and then eight thirty to nine it's ask Handle anything
where you get to embarrass me, and I will answer
virtually ninety nine percent of your questions. Now, there's certain
things that I won't answer. You know, hey, Bill, how
(00:33):
many STDs have you had that in sh it three times?
And I'm certainly going to answer the question. So here's
what you do. During the course of the show. Between
five and nine, you go to the iHeartRadio app and
click on the Bill Handle show or yeah, just from
six to nine you click on the Bill Handles Show.
(00:53):
You'll see a microphone on the up right hand corner.
Click on that. That was me going, Click on that
effects and just ask the question. Fifteen to twenty seconds
to record, and then we'll pull the ones that are
the most fun. Neil usually makes that choice and we
all hear the question at the same time and I
answer them.
Speaker 2 (01:15):
Yeah, great fun, all right.
Speaker 1 (01:17):
Joe Larsgard, host of How to Money Every Sunday twelve
to twelve pm to two pm right here on KFI.
Speaker 2 (01:25):
Good morning, Joel. Phil almost almost cut you off.
Speaker 1 (01:30):
This is something that I have talked about, and we
have talked about, and some people don't have any choice homeowners.
Speaker 2 (01:38):
And I get this occasionally on Handle on the Law.
Speaker 1 (01:40):
Homeowners are going without home insurance.
Speaker 2 (01:44):
That's insane. Explain how yeah, go ahead, Well, it's truly insane.
Speaker 3 (01:51):
But I get too, Like when you look at what's
happened inflation wise with insurance over the past few years,
it put people between a rock in a hard place.
And it's one of those things where you buy a
home and you're like, oh, the great thing is you
know renters, their their rent goes up year after year,
my mortgage stays the same. Well, when taxes go up,
(02:11):
or when you know your insurance costs go up, your
mortgage can go up, right, And and people are just
experiencing sticker shock, especially in certain parts of California, when
it comes to what they're paying for homeowners insurance. And
so some people are saying, maybe it's maybe I should
just ditch it. And the truth that this dat always
shocks me.
Speaker 2 (02:31):
Bill.
Speaker 3 (02:32):
I don't know if you've heard like forty percent of
Americans own their home out right, they don't have a mortgage.
That always shocks me. I'm so surprised by that. But
if you are one of those people who doesn't have
a mortgage, who owns their home, you certainly have the ability.
There's nobody forcing you to have to carry insurance on
the property.
Speaker 2 (02:50):
But if you do that, you're taking a huge gamble.
Speaker 3 (02:54):
Yeah, are you going to be able to actually rebuild
the house with cash or with sources that you have
at your disposal without having insurance coming to help you out?
Speaker 2 (03:04):
Probably not. Now. If you are, if you have a mortgage,
you're buying insurance.
Speaker 1 (03:08):
There is no mortgage company on the planet that will
let you not have a mortgage a home insurance.
Speaker 3 (03:14):
Well, and if you try, if you try to ditch
your insurance, then the mortgage company is going to say, well,
we're going to buy the insurance for you, and it's
going to cost a heck of a lot more than
if you had chopped around in the open marketplace and
gotten that insurance yourself.
Speaker 1 (03:28):
And also, at least in California, if you are uninsurable
or don't have insurance, you can go to the fair Plan,
which is only for fire insurance, which is ridiculously expensive
and is limited in coverage.
Speaker 2 (03:41):
So I lost my home insurance because so many people.
Speaker 1 (03:46):
Did and I was It took me two and a
half weeks to find insurance after my insurance lapse.
Speaker 2 (03:52):
I did not have home insurance. I own my house.
Speaker 1 (03:56):
I did not have a mortgage, but of course I'm
going to have home insurance, come hell or water.
Speaker 2 (04:00):
Two and a half weeks, I was bare, Joel. I
did not sleep for two and a half weeks. It
was crazy. I ended up getting insurance.
Speaker 1 (04:10):
Which cost me exactly double and the coverage was maybe
two thirds yeah, yeah, not nearly as good, and it
cost me twice as much.
Speaker 3 (04:23):
And that's the place that a lot of people are
finding themselves in. And so I think at least one
one way to the one thing that can help at
least some people if you have been pretty good about
building up your savings, is to increase your deductible and
that can lower your premium. So if you're like, oh
my gosh, I try to keep everything the same and
the premium skyrocketed, well if you can, if you can
(04:46):
raise that deductible up higher and have more skin in
the game, if something were to happen to your home,
then that can bring those premiums back down. And so
whether that's going from a twenty five hundred dollars deductible
to a five thousand dollars deductible or up to a deductible,
or sometimes there's even a percentage deductible that I've been
able to get on my home, And yeah, it means
that something happens to my home when like the tree
(05:07):
fell through my roof a couple of years ago. That's
one of those things where I was like, oh man,
I kind of wish I had had a lower deductible.
But ultimately, over time it will save you money on
those mediums. You just have to be prepared with cash
in the bank if something actually does happen then to
the property.
Speaker 1 (05:22):
Now, I had an insane deductible because I view insurance
as catastrophic insurance.
Speaker 2 (05:26):
That's it same.
Speaker 1 (05:27):
Yeah, and I had a twenty five percent twenty five
thousand dollars deductible, figuring God forbid it all goes up,
and I can always borrow twenty five thousand dollars if
you know I have land value, you can. It's it's
not easy, but you can always somehow scramble twenty five
thousand dollars a loan from the bank or whatever you
(05:48):
can do.
Speaker 3 (05:48):
Or your buddy Neil Savedra, he's got your back.
Speaker 1 (05:51):
Right, yeah, Neil, Joe you Neil, you have insurance?
Speaker 4 (05:55):
What's your deductible? I couldn't even my wife could. I
have no idea, all right, but I am right in
line with you, guys. I feel the same way you
deal with catastrophic and you suck it up if you
have to to pay lower monthly.
Speaker 1 (06:12):
Yeah, otherwise you can't afford it. And you're absolutely right.
So insurance is not any fun anymore. It used to
be not a lot of money. You know, Hey, you
buy insurance. It was not the end of the world.
It was sort of the cost of doing business. Today
it can be absolutely astronomical. Coming back, talk a little
bit about unemployment, and man, you know this is statistics.
(06:35):
We have a four point three percent unemployment rate nationally.
Speaker 2 (06:39):
It is spectacular.
Speaker 1 (06:40):
It's considered full employment at four point three percent. However,
there's a caveat and we'll come back with that. Continue
with the program coming up at eight fifty, last segment
of the day on Thursday, as we always do.
Speaker 2 (06:53):
Mo Kelly joins us.
Speaker 1 (06:56):
Now back we go Joel Larsgard, who is with us
from eight thirty Thursday, a host of How to Money
Sunday twelve pm to two and his social address at
how to Money. Joel, Joel, you talk about this insane
headline in Fast Company saying that functional unemployment is near
(07:18):
twenty five percent, and.
Speaker 2 (07:19):
We all agree that's kind of nuts.
Speaker 1 (07:22):
But it's all also not four point three because this
is looking at statistics. You know, for example, the Great Depression,
I think unemployment was officially pegged at twenty five percent
and it was probably closer to fifty percent. All right,
let's talk about what's going on and what do you mean?
What do they mean by functional unemployment?
Speaker 3 (07:44):
Yes, so it's this study that came out from this
point he headed Economic Institution, basically saying that what they
think the true rate of unemployment is the what they're
calling the functional rate. It takes into account people who
are not not just the traditional thing that the US
Labor Service is taking into account, but it's people who
(08:05):
have full time jobs and they're just not making enough money,
Like they're making under twenty five thousand dollars a year,
so they're saying, we're working into a broader account the
kinds of people who just don't have the kind of
jobs that they would otherwise want to have. And so
they're saying, well, hey, that the functional unemployment rate based
on our statistics is something closer to twenty five percent,
and that would obviously be a far cry from the
(08:28):
just over four percent rate that we're seeing the headline rate.
And I think the truth lies closer to the four
percent rate, but somewhere in the middle. And that's because
there is an employment statistic known as U six, which
is the headline rate that we see bandied about is
known as YOU three. And when you look at U six,
you're actually measuring people who are underemployed or people who
(08:51):
are working part time and they wish that they were
working full time. So maybe they are, you know, sidelined
into something that isn't making them as much as the otherwise.
Speaker 2 (09:00):
And I think I think U.
Speaker 3 (09:01):
Six is a better reflection of what's going on in
the labor market because U three is maybe a little
overly optimistic or not taking into account people who have
jobs that they otherwise they wouldn't actually want.
Speaker 2 (09:14):
In reality.
Speaker 1 (09:16):
One of the stats that when we talk about unemployment,
for example, there are X number of people unemployed who
are looking for jobs and they're unemployed, and there are.
Speaker 2 (09:27):
People that just gave up because they just.
Speaker 1 (09:29):
Can't find employment, and that's a lot of people. They're
no longer unemployed. They don't exist anymore in the system,
that's right, they just fall out. Well, they're still unemployed,
and so you would think that would add to the
numbers of people, and the stats don't tell us that
(09:49):
that's right.
Speaker 3 (09:49):
Yeah, So those people then get out of the statistic
pool because they gave up. Because they gave up, but
it doesn't mean that they got a job. It just
means that they don't count anymore as looking for a job,
which is what makes the unemployment numbers a little wonky
at times, or maybe untruthful. And that's why I think
U six at least does a little bit of a
better job. And this functional unemployment rate is a little
(10:11):
ridiculous because maybe it's taking too many things into account,
and so the truth does lie somewhere in the middle.
The interesting thing too, is that right right now, and
this hasn't been really the case since the Great Recession,
is college graduates are having harder time, a harder time
finding a job then they have been typically, and so
their unemployment rate is higher than the average unemployment rate.
(10:35):
So college grads are having an unemployment rate or having
a harder time finding a job, and so it's bumping
up higher and higher, and I think it could be
difficult right when you graduate from college to figure out
what you do. Do you take the first job offer
that's given to you because or do you hold out
for something something better that's going to help you on
your career. And the truth is, when you look at
the statistics, that first job, on average has a really
(10:59):
large impact on what you're going to earn down the road.
So I think it's really important for college grads to
be careful in a work environment like this. And some
college grads find, and this might sound a little counterintuitive,
that in an economic cycle, if we are in a
ringam recession or something like that and things are getting tougher,
that going back to school, as long as you're not
taking on too much debt to get that additional degree
(11:20):
and kind of waiting it out and getting an additional
degree while the recession is happening can set them up
for more success when as the economy is recovering.
Speaker 1 (11:29):
Yeah, that's precisely what's happening to my daughter, Pamela. She
has her degree, finish her degree in computer science. She's
got a several degrees because you know, Dad pays for school.
There's a five twenty nine plan, so it's much easier
going to school and sitting on your ass and actually
going out and working. She cannot get a job in
her field, and so she's going.
Speaker 2 (11:52):
Back and getting a master's degree.
Speaker 1 (11:54):
She starts her master's program in computer science and she's
going to specialize in cybersecurity. And so she's now unemployed
or in her field that she wants to work in
with a bachelor's degree. And I can't wait for her
to then be unemployed with a master's degree, because that's
going to be a thrill too. It's the app and
(12:17):
the underemployment part is that that bothers me.
Speaker 2 (12:21):
You have people with skills who should.
Speaker 1 (12:24):
Be employed and they're working as a barista, or they're
working at a job that they are way overqualified for
and not even full time. As you pointed out, that's
still considered employment as part of the statistics, and I
don't think it is.
Speaker 3 (12:38):
Well, and people who find themselves in the absolute worst
place are people who went to college, racked up a
certain amount of college that but didn't finish and get
a degree.
Speaker 2 (12:47):
And that has been the case.
Speaker 3 (12:49):
But those people, their situation has been exacerbated as the
cost of college has been driven up, and so the
amount of debt they've taken.
Speaker 2 (12:57):
On has just accrued and accrued.
Speaker 3 (12:59):
And then yet they'd say I'm two years into this,
I'm three years into this, but I'm not going to
stick it out, and they don't actually get the degree.
Then they find themselves out. I've got to pay back
these loads of student loan debt, but I don't have
the degree to be able to get the job that's
going to offer me higher pay. So that's I think
the position I want people to avoid. Like the plague,
that's the worst case scenario.
Speaker 1 (13:18):
All right, Joel, This Sunday two to twelve to twelve
to two, and I'm always fun listening to you. We'll
catch you over the weekend. Take care sounds good, thanks Bill?
All right, coming up, there are some new filters. You
go on Tinder or is that grinder?
Speaker 2 (13:38):
I think tender.
Speaker 1 (13:39):
You go on tender to find someone and what if
you're too tall?
Speaker 2 (13:44):
Huh, that's the thing.
Speaker 1 (13:46):
Going on, and I'll explain how that works. And then
we've got Mo Kelly up at the eight to fifty
hour or the eight fifty segment. That's an honor Brian Wilson,
who died yesterday at the age of eighty two, described
as a musical genius by virtually everybody, all the news
reporting agencies.
Speaker 2 (14:04):
And it's kind of hard to argue with that.
Speaker 1 (14:06):
I don't know how many people use tender to find
out or define folks to connect with. When it first started,
when match dot com or harmonye or whatever the hell
it was people who found their partners on the net,
it was considered you kind of ridiculous, you know, I mean,
aren't you introduced to people? You know?
Speaker 2 (14:28):
Isn't it a form of desperation to go to these programs?
Speaker 1 (14:34):
And now it's almost that's what you do. It is
that's what you do. It's who you want and hear
your qualifications and you filter out everybody that doesn't make
sense and you're only dealing with people that are going
to fit.
Speaker 2 (14:51):
Now.
Speaker 1 (14:51):
When I turned single, after I had left my girlfriend
prior to meeting Marjorie and by the way, it was
a really tough year because I'd be introduced to people,
or i'd meet people, I'd go, Hi, my name is Bill.
By the way, I just want to let you know
I'm a successful attorney and I live with my mom
and dad. It was a really rough year. Not good
(15:14):
when you're in your thirties. And then I met Marjorie,
introduced by a friend. And that's the way it used
to be, not anymore. Well, there is something going on
with Tinder right now. Natasha Burns, who is looking for someone,
she tells potential matches, I'm probably taller than you, all right,
(15:38):
So she's getting people who are jumping in. Oh, it's
nice to know. How much taller than me are you?
She's six five And that gets to be a tough one.
And Tender is testing a feature that lets paying users,
not the not the non paying ones set high preference
(16:00):
is for potential partners.
Speaker 2 (16:03):
You know.
Speaker 1 (16:04):
So what I mean, I don't even know why that's
a story, But the story is that you can set
preferences and it winnows down the number of people that
you are looking at that are appropriate. Now, it used
to be that when you had nobody you know what
people used to do back in the day. They take
(16:25):
a classified ad out looking for someone, you know.
Speaker 2 (16:30):
I once tried that when I was single.
Speaker 1 (16:32):
Now, when you describe yourself a little bit, I hate
walks on the beach, I hate nature, I don't like
vegetarian food. I have no friends. I got very few responses,
very few. And the people that I did meet, I
found out were double amputees who drooled a lot and
(16:53):
had a hump on their back.
Speaker 2 (16:55):
So it was a little bit tough.
Speaker 1 (16:58):
Now I'm making a lot of fun of this, but
that's one of the good things about the Internet. You
can find someone very quickly, particularly with the algorithms today
and the other The first thing, when there were matches
on the internet, it was literally people throwing together matches.
Speaker 2 (17:15):
Okay, this is gonna work for you, this is gonna
work for that.
Speaker 1 (17:18):
It was manual, and then, of course as technology improved,
it's gotten to be pretty sophisticated. Well, this story out
of CNN dot com is talking about height, and I
don't know why that's a big deal, but it is.
I would think that when you talk about being specific,
it would be about weight, that that would be what
(17:41):
most people would consider Now it could be because I
grew up pretty fat and I am pretty reluctant to
deal with it. For example, I always had a problem
dating heavy women because I was heavy and I was
not comfortable, so that was my prejudice. Also, no, I'm
(18:05):
not going to go into that. The point is that,
you know, that's what I would ask. But for some reason,
the story is it's more people are involved in height,
and I think people are When you talk about guys,
particularly guys, are you know they're really if they're not
tall as they're a girlfriend or spouse, you know, there's
(18:29):
a real problem. You have to be a pretty self
actualized guy, pretty pretty comfortable with yourself if you have
a wife or a girlfriend that's six inches taller than
you are. By the way, this gal and Natasha her
how now her husband is six inches shorter than she is.
Speaker 2 (18:49):
Now, what I.
Speaker 1 (18:50):
Do okay with someone who is that much taller than me.
Speaker 2 (18:57):
One of my.
Speaker 1 (18:57):
First surrogates who is still a dear, dear friend, and
we're talking about going back what forty years maybe Pam.
She is six foot two in her stocking feet, and
when we would go to dinner, when we'd connect for dinner,
she would come in with four inch heels and she
(19:20):
has legs up to her armpits and she Now keep
in mind, now we're talking six foot six walking.
Speaker 2 (19:27):
Into a room.
Speaker 1 (19:29):
Every eye was absolutely drilled on her. And she was very,
very comfortable with that. And depends on you know, would
she be comfortable with a guy that's five foot three.
I think she would, But the guy five foot three
would have a real problem with that.
Speaker 2 (19:46):
And another issue is guys.
Speaker 1 (19:49):
You know, should make more money than women, right because
that's the concept house husbands, where the breadwinners is the
woman right now? Is the wife right now? It's a
lot better than it was my joy. You know, My
fantasy was to make a pile of money and have
(20:10):
my spouse make one dollar less than I do, so
I could still feel like I was the mocker in
the family.
Speaker 2 (20:20):
Okay, we're done.
Speaker 1 (20:22):
Why don't we pick it up with mo Kelly when
we come back, and we'll finish the program, and there's
news about Amazon Prime, of which I am a member,
and this may connect with me.
Speaker 2 (20:33):
We'll be right back.
Speaker 1 (20:34):
Neil's going to jump in here and talk about Disney.
I am taking phone calls, handle on the law off
the air as soon as I lock out and Gary
and Shannon start their show. The numbers eight seven seven
five to zero eleven fifty Marginal Legal Advice off the
air eight seven seven five two zero eleven fifty in
(20:55):
just a few moments, Neil, what's going on in the
world at Disney.
Speaker 4 (21:00):
The Disneyland Resort seventieth celebration. And it's not a celebration
without you, of course, So with all the sights and
laughter and fun, everybody is thrilled, including Amy k King
and me.
Speaker 2 (21:13):
KFI.
Speaker 4 (21:13):
I'm six forty wants to give you a chance to
win a family four pack of one day, one park
tickets to Disneyland Park or Disneyland California Adventure Park and
join this limited time event. Keep listening to KFI for
your chance to celebrate with us. Offerings subject to restriction
and change without notice. But a lot of stuff going on.
(21:35):
They're great food, they're doing for limited times, swag, all
kinds of fu stuff.
Speaker 1 (21:42):
Moll Kelly is on every day here on KFI seven
to ten pm, and we on Thursdays usually have Moan,
Good morning.
Speaker 2 (21:50):
Mo Good morning Bill. How you doing Oh I.
Speaker 1 (21:53):
Am yeah, reasonably well And I'm.
Speaker 2 (21:55):
Asking you but you know do I care? Now?
Speaker 1 (21:59):
Prime members, of which I am one have been for
a long time, there's something new you can buy. We you,
I'm assuming you're prime, can buy tickets to a screening
three days before the official release date of a movie.
Speaker 2 (22:15):
That's new.
Speaker 1 (22:16):
And that's kind of neat for people who want to
see a movie before its release. And how much is
it going to cost?
Speaker 5 (22:24):
Well, it's going to be like a regularly priced ticket,
but you got to be a Prime member. And here's
the larger big picture pun intended. This is signifying how
streaming and movie studios are working together. They're called Amazon
Prime Early Access Screenings, and like we said, it allows
Amazon Prime members like you me, most people were listening.
(22:45):
And if you purchase the tickets, well, you have to
purchase the tickets through fandango, and then you get to
see movies like Superman, which is going to be one
of the most anticipated movies of the summer. You can
see it three days in advance and then brag and
to all your friends and enemies that you've already see
in the movie.
Speaker 1 (23:01):
All right now you're talking about it's going to be
it's going to cost the price of a ticket. Is
that fifteen dollars and you can have six friends and
family members sit in front of the screen and basically
two dollars apiece.
Speaker 5 (23:14):
No, they're going to be regularly priced tickets, and it's
going to depend on location, and it's going to.
Speaker 2 (23:19):
Do Oh I see okay, Oh I get it.
Speaker 1 (23:21):
You're talking about going to the movie theater if you
are a Prime member. Okay, Oh, it's just three days
before if you wait three Yeah, okay, you know you
think that's a big deal because the way it's sounding
it isn't to me.
Speaker 2 (23:36):
No, it is.
Speaker 5 (23:37):
And Fandango and Amazon Prime is that you can take
it for what it's worth. They're saying, at least with
the Superman movie, it's the largest first day seller that
they've ever had in doing this. So there is immense
interest in this, and it may be the way that
other streaming platforms will try to work collaboratively with movie
studios to help promote the brand. Say it's Netflix next time,
(24:01):
and as well as the movie which is coming out,
And there's probably a tie in where when Superman eventually
does go to streaming, it'll be on Amazon Prime.
Speaker 1 (24:10):
Yeah, my daughter saw Wicked in the theater just as
it opened up and was screaming at me to go
see it, and there was no way I was going
to go to a theater, so I ended up buying it.
I think it was Netflix or whatever it was on
thirty dollars. Thirty dollars to see Wicked. I'm still trying
to get the thirty dollars back from her.
Speaker 2 (24:28):
No you're not, No, you're not.
Speaker 5 (24:29):
Here's why, because you saw it, your daughter saw it,
other people have seen it, and if you actually went
to the theater, you would have spent more than thirty
dollars for just the two tickets alone.
Speaker 1 (24:38):
Not saying concessions, I wouldn't have paid two dollars to
see the movie.
Speaker 2 (24:44):
But well that's a different story. Yeah, that's it was.
Speaker 1 (24:48):
I'm still still I'm taking thirty bucks out of her
next holiday gift.
Speaker 2 (24:52):
All right, mo as always, thank you, sir.
Speaker 1 (24:55):
Tonight seven pm to ten pm social address at mister
mo Kelly.
Speaker 2 (25:00):
I'll catch you a night moo of a great weekend
you too. All right, we're done, guys.
Speaker 1 (25:05):
I am taking phone calls for Handle on the Law
off the air, and I will go through them pretty quickly,
because when Gary and Shannon start and you start calling me.
Speaker 2 (25:18):
You can listen to.
Speaker 1 (25:19):
Gary and Shannon while you're waiting on the call, and
you won't be a waiting very long because there are
no commercials, there are no breaks, there is no weather,
there is no news, and there.
Speaker 2 (25:29):
Is no patience on my part.
Speaker 1 (25:31):
If you've listened to the show, you know exactly what
I'm talking about. The number eight seven seven five to
zero eleven fifty eight seven seven five to zero eleven
fifty that starts in just.
Speaker 2 (25:44):
A moment tomorrow morning.
Speaker 1 (25:46):
It's Amy and insert name of traffic person here, will
comes back next week, right.
Speaker 2 (25:53):
Amy, Yeah, he'll be back with this Monday.
Speaker 1 (25:55):
Excellent, And so wake up call tomorrow morning five to six,
and then the show the rest of the show six
to nine, where Neil and I jump in there, and
of course Samy and Kono being there, or An and
Kono being there.
Speaker 2 (26:08):
All the time.
Speaker 1 (26:09):
All right, have a good one catch in the morning,
and don't forget eight seven seven five two zero eleven fifty,
just in case you have a memory like mine, because
I told you this about forty seconds ago. Eight seven
seven five two zero eleven fifty. This is KFI AM
six forty You've been listening to the Bill Handle Show,
Catch My Show Monday through Friday six am to nine am,
(26:32):
and anytime on demand on the iHeartRadio app
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