Hour 2 | Retailer’s credit card rates up to 35% @ConwayShow

Man discovered 22 years after being buried in avalanche in Peru // Poppy Fire in Canyon Country / CA. fast food franchisees; responding to $20 minimum wage by cutting hours / Pursuit suspect shot / Man goes on rampage in Rite-Aid on Larchmont Ave // Rite Aid Rampage / Workers hire workers to do their job // Retailer’s credit card rates up to 35%.

Episode Transcript

(00:00):
It's KMF. I am six fortyand you're listening to The Conway Show on
demand on the iHeartRadio app The ConwayShow. Ding dog Man. It's hotter
than hell out and it's so hot. How hot is it? I saw
a dog chasing a cat today andthey're both walking alright, alright. Frozen

(00:25):
in time. The southern California manburied by an avalanche twenty two years ago
in Peru was discovered and now they'rebringing him back to the United States.
Look, there's a lot of downsidesto global warming. This might be a
positive, but this is a positivecolumn that you know, enough snow and

(00:49):
ice was melted so this man couldcome home and his family can lay him
to rest. I think it's aI think it's I think it's a great
thing for the family, you know, family. He was for twenty two
years wondering how they're going to getthat guy off the mountain, and now
he's coming home. Frozen in Time, a so Cow mountain climber lost for

(01:10):
more than two decades when he wasswept away by an avalanche has been found.
After twenty two years being locked inice. This local husband and father
is finally coming home, and Iwould as soon as we to. Lean
Suitor talked to the climber's daughter todayabout the moment she heard the news,
Leanne David four simple words that WilliamSaffold's family never thought they would hear.
I found your dad. They acceptedthat he had been lost forever on the

(01:34):
mountain in Peru. But two weeksago they got that surprising call from another
climber. Wow, a final climbhome for William Stample after his body was
found twenty two years after being buriedin an avalanche in Peru. It's still
a little bit overwhelming. We're stillkind of processing it. It's just a
shock, you know. We acceptedthe fact that he was going to be

(01:57):
part of the mountain and never befound found, so the fact that he
is found is just a little surreal, unbelievable. The fifty eight year old
expert mountaineer and two friends were climbingMount Wasscaron and the Andes when tragedy struck
in the Andes. That's what theywere in the Andes, climbing Mount Wasscaron
and the Andes when tragedy struck.Two decades later, Ryan Cooper and his

(02:20):
I got that name wrong. Bythe way, somebody asked me to text
me. He said, what wasthe name of the mountain that the guy
was found on? Climbing Mount Wasscaronin the Mount Wascaron. I got it
completely wrong. I am embarrassed.What did you say? I said it
was Roscoe Pico train. I guessthat's wrong. That's something else, boys.

(02:40):
Yeah, Roscoe Pico train from Dukesof Hazards, Sco Peak Cold Trade.
Very wrong, Rosco Piko train.Do you think that's named after the
streets in La Roscoe and Pico?Maybe? I don't know, don't Rosco
Peako train. I got that wrongwrong, Cosco peak O train. Yeah.

(03:09):
Climbing Mount Wasscaron and the Andes.When tragedy struck two decades later,
Ryan Cooper and his brother Wes weretrying to climb the same mountain when they
spotted a body frozen in time.Wow. We get out his wallet and
as soon as we found out hewas an American citizen and he lived in
Chino, California. God, he'sa local guy right here off the seventy

(03:30):
one in China. We knew rightthen and we were the stewards of his
story. As soon as they gotcell reception. That began their search for
Stample's family, finally making that fatefulphone call. That'd be great. They
brought him back and they're like,hey, he had five hundred dollars in
his wallet. Now it's empty.You lads know anything about that? Huh?
You guys have found him, Youknow anything about the five hundred bucks

(03:52):
it's missing? And AND's Ryan,I'm in Peru and I found your dead.
It wasn't until we saw the photosof you know, the driver's license,
a passport that we went, wow, you know, this really is
dad. What a great thing forthis family. Closure and Dad's coming home
to be laid to rest here insouthern California. I think that family is

(04:13):
probably thrilled that. You know,look, it's a bummer story, but
he's coming home. And we alwaysknew that he would. If he was
ever found, he'd be preserved.Stample's passion for mountain climbing took him across
the globe. He spent months preparingand planning for his trip to Peru,
just like Ryan and his brother,who ended up following in Stample's footsteps.
That's where we're meant to be,like We weren't meant to summit that day.

(04:38):
We were meant to find Bill,and we were meant to bring Bill
home and give his family closure.His family one of the odds of that
did local climbers I think from Californiafound him. Isn't that correct? Is
that what I'm reading the story right? Wow? His family extremely grateful he
is finally off the mountain and headedhome. It has always been on my

(05:00):
mind for twenty two years. You'reburied in the ice. You hate to
be cold. So I think thatjust having him home and warm, I
think for me is you know,my biggest thing. And I am so
proud of my dad, you know, just for following his dreams and his
aspirations. Yeah, that's a bigdeal. Stample will be cremated in Peru
and hopefully returned back to California bynext week. One of the other climbers

(05:24):
lost in the avalanche with him wasfound shortly after the accident. The third
remains missing on the mountain. Ohman, Yeah, that mountain climbing.
That's dangerous. I don't do that. I don't mess with that kind of
stuff. I go to the racetrackand most climbing I do is in the
grand stands of the racetrack. Idon't like to do that. I've heard

(05:45):
some stories about people not coming downfrom the grand stands. So do you
have a sherpa for the grand stand? I usually I sum it, you
know, I usually go up toI usually sum it on Monday. I'm
pretty good shot solo. Yeah,it's one shot t bones. That makes
it not to carry any any tents, to carry anything that you'll need for

(06:08):
an overnight stay. Right, youjust need beer, hot pretzels, and
mustard. That's the uh, that'sthe equipment you need. This. Some
of the grand stands it's Santa Anita'sand the guy's around You're like, oh,
he had a pretzel. Yeah,I know that. I know that
pretzel's mustard. We're live on KFI. You're listening to Tim Conway Junior on

(06:33):
demand from kf I am six fortyor we got to fire out in Canyon
Country. For people who don't knowwhere Canyon Country is, you may think
it's along the one oh one outnear West Lake. You're wrong. You're
dead wrong. You don't know anything. Canyon Country is out off the fourteen.
It's a little bit east of SantaClarita and there's a beautiful I think

(06:58):
Canyon Country is where my Walmart is. I'd have to look that up,
but I think it's. There's abeautiful Walmart out there Canyon Country. I'd
be across the street in Canyon Country. I think it is. But it's
a Golden Valley Road there, andyou go down Golden Valley Road and hang
a left into there's a Walmart.There is also a Sam's Club there.

(07:21):
There's a Rattlers if you love barbecueout there. I love going out there
and enjoyed going out there a bunchof times in my life. I enjoyed.
Anyway, got a fire, it'sno good, no good, Canyon
Country. Look at an Agua DalceCanyon Road where you can see fire cruise
right along the side of the road. Aerial resource is actually tackling the bulk

(07:42):
of this fire. It's chewed upalready well over fifty to sixty acres.
You can see a head of fire. There also another set of flames much
closer to the roadway there. Itlooks like they're making some progress right now,
though this poppy fire is zero percent. Reporting live from Air seven,
I'm Chris Christy ABCC. I'm surprised. We can't see it out the window
here. Usually can see that buildingsin the way. Can't see the fire

(08:07):
out there at the poppy fire.Yeah, knocked that out. Who knows,
all right? The fast food?Fast food? Everybody loves fast food.
Yeah, dg dong with this fastfood. Here has been more than
three months since California's twenty dollars minimumwage for fast food workers kicked in.
Yeah, how's that going. Everytime I go to a fast food place,

(08:28):
there's one guy working there, guydoing the register, guy cooking,
guy, cleaning guy, one guy, one guy to me too, And
it's still not clear what impact itis having. I know what impact it
had on me longer lines, andI don't like that. There are anecdotal
accounts of fast food operators cutting backon hours. Yeah, I've noticed that,

(08:50):
especially at my del Taco. Atthe same time, there's speculation that
the higher wage is attracting better jobcandidates to the labor department industry. Much
sign of that, maybe I don'tsee it. At the same time,
there's speculation that the higher wage isattracting better job candidates. So far,
I'm on high alert. I'm await and see guy on that. To

(09:13):
the Labor Department, the industry asa whole has continued to show job growth
since the law took effect. Idon't believe that at all. I don't
believe that at all has continued toshow job growth since the law took effect.
What the industry as a whole hascontinued to show job growth since the
law took effect? Job growth?I don't believe that. You mean they're

(09:35):
hiring more people now that they're payingtwenty dollars an hour. I think that's
wrong. I'm not calling them aliar. I just think that they have
bad information, bad information. Allright, We're following this pursuit that ended
in Los Angeles near Harvard Heights,and we talked about that in the four
o'clock hour, but we'll give youa little recap because that was a big

(09:56):
deal. You know, anytime thecops fire on somebody because you're radically stepped
off the curb, that's a bigdeal in Los Angeles. We're going to
show it, but it is disturbing. It ended right here at Vermont Avenue
and Venice Boulevard here in Harvard Heights, where that GTA suspect ended up crashing
into that light pole and was wedgedin between that black and white suv and

(10:18):
that light pole. He was tryingto gas it. He put it into
reverse, was trying to nudge outof that position, but he was unable
to escape, and at one pointbegan to show his left hand out the
window, the driver side window ofthat silver sedan. We never saw his
right hand, but within seconds ofhis left hand shown out of the driver's
side window, shots were fired fromthe rear shooting right through the rear windshield.

(10:41):
Five bullet holes coming straight through thevehicle through the front windshield, and
we immediately saw that there was nomovement in that driver's seat. LA City
Fire Rescue arriving moments later to transportthat suspect to the hospital. We do
not know the condition of that driver. In any event, We've got video,
I'll show you. It's a it'sa real mess with traffic around there.

(11:03):
So Vermont and what'd you say,Angel was Vermont and Venice. Yeah,
Vermont is closed in both directions approachingVenice Boulevard and Venice, from what
Devin was saying, is closed inboth directions approaching that as well. Oh,
that's horrible. All right, we'llkeep an eye on that. That
is a big, big deal goingon the pursuit. At the end of

(11:24):
the pursuit, there no good,no good. A Right Aid was ransacked
by a guy who I don't know. Look crazy, look crazy, but
four thousand dollars in damn it.But man has been taken into custody after
vandalizing a Right Aid store. Thishappening in Larchmont about nine oh large,
mode, I know where that RightAid is? Okay, all right,
now, I got my bearings downhere. About nine to thirty last night,

(11:46):
lap units responded to a reported disturbanceat the Right Aid location on North
Larchmont Boulevard near Beverly Boulevard. Howoften do you think LAPD gets a call
for a disturbance at a Right Aid? Do you think it's like every other
call? Maybe ever the three calls? Yeah, hey, guys stepped off
the curb and acting like a completea hole. Where is that Right Aid?

(12:07):
Right aight? By the time policegot unseene, the man had already
made a big mess, knocking down, displaze and items from the store.
Oh my god. Witnesses inside thestore say they were also being harassed.
Police say at the suspect caused aboutfour thousand dollars worth of damn four grand
in damage. Oh my god.All right, our Right Aid Report we

(12:28):
do it every Wednesday at five twentyfive, a little late, about a
minute late. Our Right Aid Reportis being brought to you by Advanced Hair
one day treatment, Life changing Results. Make your appointment today at Advanced Hair
dot com. I immediately got acall from Mondo, who produces the Gary

(12:50):
and Shannon Show, because I leftthe comment. I think I was buzzed
lest thing and I left the commenton the Gary and Shannon podcast and it's
the the comment you can comment onthe podcast, whether you like it or
not. And I wrote Mondo Bringsthe Show Down, and then I signed
it from Robin b and Don min Burbank. And immediately he called me

(13:15):
and he's like, Buddy, Iknow you did that. He's right,
that Mondo's on top of it.Man, that Mondo's great. That guy
knew exactly who did that. Outof all the millions of people listen to
that podcast, he knew that Idid that. Isn't that crazy? He
immediately texts me, he goes,Buddy, I know you did that.

(13:37):
You're an a hole. It's notso crazy, that's wild. And he
was able to identify that so quickly. All right, that's a good dude
at Mondo. Ye, we shouldhave mons once in a while. See
in the building? Was he athome? Still? Does he come home?
In the building? Does he comein? Yeah? I don't know.
I thought he was bedridden again orsomething. Well he was, but

(13:58):
he'll be back at work. Sohe he is back at work. Well,
he never stopped working, he was. I don't do you talk about
this? Yeah? Do you knowwhat I'm asking though? Yeah? You
want to know if he's around?Right, and I'm telling you next week
he will be around. Oh sohe hasn't been around? Yeah, what

(14:22):
do you need to know if he'sbeen around? Don't you want to know
if he's going to be around?I just asked a good question. Yeah,
but then I am answering you,And then you didn't answer the question
you gave me. You gave methe shuffle off the buffalo, and I
gave you an answer. No,is he around? You like, Oh,
he's gonna be. He might be, he would be. He's gonna
be. I don't know it's goingBut you don't know what he is.

(14:43):
He's around, he's not around.You have no idea where he's going or
what he's doing. Please make itout of here. You have no idea
what the question was. Yeah,I don't know what the question was.
Shit out of here. It's notmy fault. It's not my fault.
You're listening to Tim kun Or ondemand from KFI Am sixty. We did

(15:03):
a story on the guy going tothe Right Aid in Largemont and he created
four thousand dollars in damage by himselfuntil the cops got there and then they
you know, puled him off.But it is kind of entertaining to watch.
I know you probably I shouldn't sayit on the air, but whenever
a guy goes in and f's thestore up, it's kind of fun to

(15:24):
watch. But it's you can feelfor the store owner. You know,
he's got to clean that crap up. But it's odd. It's wild.
What a time, What a timewe live in where guys go into stores
and they go wild. They gowild, you know, and it happens
every day. People going wild fightingat Denny's or IHP or one of these,

(15:48):
you know, all night places peoplego in they're they're buzzed, they're
drunk, they're high, and theystart fighting other people and you know,
and a lot of innocent people getcaught up in that. But you got
to see the video of the guygoing to the right aid on in Large
Mont. I think that's one.I think that's one off Beverly And in
Large Mont or Rose Rossmore or whateverthat street is there, but it's just

(16:12):
a little bit east of the Wiltshirecountry Club area. So obviously that's a
very expensive area to live in LargeMont. And so he's not he doesn't
live in the area. He cameinto the area to f up their store.
You know he probably is, youknow, living miles miles miles away,

(16:33):
and then he went to Largemont togo f up wealthy people's store.
So there's their day. You know, you go to work at Rite aid
and you're going to spend all daycleaning up after that idiot. So that's
that's your life. That's your lifetoday. That's what you get, all
right. Very good workers are doingsomething odd. They're hiring other workers companies

(16:56):
that are usually overseas, and youcan hire p people to take on some
of what you're being paid to do. What sort of things are these stand
ins doing? So, it's soit's people who work for you know,
Bank America or Coca Cola, Nestlie, whatever, and they work overseas.
They're hiring local people to do someof their job for them. So it's

(17:21):
a real it's a real range.And today, Junior, this guy's not
splitting out. He was asked asimple question, what are some of the
chores that they've been asked to do? What sort of things are these stand
ins doing? Okay, very verybasic question. What are some of these

(17:41):
stand ins paid to be doing?Let's get an answer, so it's whatever,
I uh, I don't really know. Well, then let's get somebody
else to answer. You know,if this guy doesn't know, this guy
obviously doesn't know. Let's get somebodyelse in there to answer the question.

(18:02):
All let's go back here, let'sregroup. What sort of things are these
stand ins doing? So, it'sa real there's a real range. And
sorry, yeah, so I thanks, yeah, sorry, I can answer
the question. Sounds like completely distracted. Yeah, it sounds like he's hiring

(18:26):
people to do his job. It'stypically jobs in tech, most frequently,
because these are jobs where these skillsare pretty transferable, and it's quite easy
to find someone online whom you mighthave to use the same systems that you
know how to use, and youbring them on to help with that.
I'm noticing I have no idea whathe said that makes a lot of sense,

(18:48):
because it does make any sense thatmakes a lot of sense, doesn't
make any that makes a lot ofsense because you know, whether there's language
bear or not might not have animpact if we're talking about tech type of
stuff and software. I'm familiar withthis concept because I know entrepreneurs that hire
virtual assistance, so similar concept,but I never thought of people using it
for their actual work that they're beingpaid for employees. What types of companies

(19:11):
are we talking about here that aresort of part of this new booming industry.
Go back to this rocket scientist.So the people who provide it was
a real vench was individual providers.We've had people who have hired friends or
families to help them. But asyou say, it's also professional companies out
of doing it as well. Yeah, that's not the answer to the question.

(19:33):
The question was what companies. Giveme the names of the companies doing
this sort of part of this newbooming in Here's the simple question that she
asked, that they're being paid foremployees. What types of companies are we
talking about here that are sort ofpart of this new booming industry? All
right? What companies are doing this? So the people who provide it was
a real vench was individual providers.We've had people who have hired friends or

(19:56):
families to help them. But asyou say, that's also professional companies out
there doing it as well. Canctonline websites marketing materials that post on Facebook.
I hate this story. All right, We're moving on that guy.
And the idea, you know,is a valid when it makes total sense.
It does. If I'm getting paidforty dollars an hour to do something,
I'll pay somebody else ten dollars inanother country to do this do the

(20:18):
work for me, right, andthen you take the thirty and go to
the beach. Yeah, I'll dothat a heartbeat. The just jud around
here. I think you're going tosee that happening more and more. I
think we do see it here.That's true. Yeah, I mean Elmer
is being paid not having other peopledo the job. Yeah, Elmer's being
paid for by Steph Fusch the boardop today is being paid by Steph Fush.
So Steph Fush can go out andgo to Chipotle or something Chipote.

(20:44):
Yeah, it's worth it, right, Yeah, what'd you say? We
get what we pay for, allright? Relyve on kfive more now kroush.
You're listening to Tim conwaytun you're ondemyan from KFI AM six forty bad
news. If you have a creditcard and you have debt on your credit
card, they are now hammering,hammering you. I was shocked when I

(21:10):
received this letter in the mail lettingme know the interest rate on my Macy's
car will go up to nearly thirtyfive percent next month. Thirty five percent
on Macy's on the Macy's credit card? Or is that the Wowpass? Elly?
Do you use your Wow Pass forMacy's the Wowpass? I don't.
No, you should get a WowPass save a lot of money. No,

(21:32):
my WiFi does the Wowpass and thecredit card shuffle every time I go
in there, and she's, youknow, got this and this and this
and this, and we save likeeight dollars on something pair pants or something.
I spoke with an industry expert whosays it's part of a nationwide trend.
Yeah, credit card rates are goingup. I follow this so closely
that I'm not shocked. But onthe face of it, yeah, that's

(21:55):
a really high interest rate. TedRossman wasn't surprised when I reached out asking
about the recent APR hike on myMacy's credit card, which as of August
fifteenth, will jump to thirty fourpoint four to nine percent. Wow,
thirty five percent, that's wild.The senior industry and a list at Bank
Ray told me retail stores already havethe highest aprs, and those rates have

(22:17):
been climbing steadily, mirroring what theFEDS are doing. So credit card rates
have been pushed to record highs inrecent months. The national average has jumped
about four and a half points.You know, if everyone paid their credit
card and people weren't screwing over Macy'sand Bullocks Broadway, you know, Standard
Shoes, those stores so still exist. But if people kept their payments up,

(22:41):
their interest rates wouldn't be this high. The only reason they're this high
is because there are a lot ofpeople who are not paying or can't pay
their credit card. Rossman shared examplesof other retailers with aprs over thirty percent,
including Peco and Excell Mobile, petcos where the pets go, and
now thirty five percent tax down tothe price of the stuff at pet Co,

(23:02):
gluting Peco and excel Mobile. Theaverage of all credit cards is just
over twenty percent, as retailers arealso raising rates to coincide with a Consumer
Financial Protection Bureau's push to lower latefees. Right now, the average credit
card late fee is thirty two dollars, and the CFPP is I can't believe
that. Right now, the averagecredit card late fee is thirty two dollars.

(23:22):
Thirty two dollars, but the reasonit's late is the guys busted out.
He doesn't have money, so you'regonna charge him another thirty two dollars.
He didn't have the twenty dollars topay it originally, and now they're
going to hit him with another thirtytwo bucks. And the CFPP is trying
to bring it down to eight.They are actually supposed to do it in
May, and then a federal judgestruck that down temporarily and it's still kind

(23:45):
of winding its way. I see, I see what they're doing, because
they're going to bring down the latefee they got to screw you on the
other end. So now instead oftwenty percent, you're going to pay thirty
five percent for your credit card.Your late fees are going to be lower,
but you're in test rates are gonnabe much much, much much higher
through the cords. Store credit cardsrely on late fees more than your general

(24:07):
purpose Amex or Oh that's fun.That's a fun piece of knowledge, right
that they rely on us forgetting aboutit or you know, not remembering to
pay or not being able to pay, and then they hammer us rely on
late fees more than your general purposeAmex or Capital one card. So a
lot of store card issuers have begunpulling other levers to compensate for what may

(24:32):
be a drop in jo. Youget this in the mail. I get
this all the time, the discoveredcard application. Do you get that?
I get the uh A, Iguess it's already a pre approved discovered card,
and I fill it out and Isend it back and then they send
me a letter saying no, you'renot You're not approved. And I'm like,

(24:55):
wait a minute, but you saidI was improved and they said no,
no, you're you're you're not evenclosed. See simple I've done it
three times. They keep sending mea preapproved credit card. I always signed
up for him, you know,because I like to let them hold the
bag after I buy all the merchandise, you know, let them deal with
it. Oh, like the oldColumbia records of thing there. Yeah.

(25:15):
I had a buddy of mine whonever paid any of his credit cards.
When he got a new credit card, he'd max it out and then just
ignore the bank and ignore the letters. And he was a mess. So
he got a credit card for onethousand dollars and it was a forty two
percent interest rate on it. Sohe gets a credit card, he goes

(25:37):
to dinner, you know, hegoes out of his girlfriend and he bangs
it up to one thousand dollars,and then he gets a call from the
bank saying, hey, we're goingto cut you off unless you pay us
at the minimum you owe us,which is like forty eight dollars. And
he says, I'm not paying.They said, but we gave you one
thousand dollars credit And my buddy said, look, you should have done a
credit search on me before you gaveyou one thousand dollars. I never pay

(26:00):
any credit card back. I've neverpaid a credit card back in twenty years.
Is your problem? Yeah, youguys are on the hook for this
thing. I'm not giving you adime. He goes, We'll come after
you because I live in a studioapartment with a rented car. You got
nothing. I got nothing. Youcan get nothing from me. Nothing.
And that's the way he lives life. You know, it's a kind of

(26:22):
interesting, kind of interesting way togo. You know, never really accumulate
anything in life. But maybe it'snot a bad way to go. That's
possible as well. But man,he I remember him being on the phone
with the credit card company because theycalled once when I was with him,
and he gets on the phone andhe says, he goes, I'm not

(26:44):
paying you, and he's just verymatter of fact, and then they I
remember this. He says, Idon't pay anybody. Nobody. Nobody gets
paid nobody. I don't pay anybodyanything, nobody, And you're not getting
a dime either. You gave youa thousand dollars credit card. I had
fun, I enjoy, and nowI'm not paying you got to come collect
it. You're not going to collectanything. So nobody, nobody gets paid

(27:07):
and it's a it's a different wayto go through life, different lay revenue.
To deal with a new rate hikes, Rossman suggests paying your credit card's
in full. If that's not possible, move your debt over to another card.
Okay, that's a that's a greatsolution, you know, just pay
it in full. Yeah, yougot a mortgage, you don't like the
interest rate. Just pay off yourmortgage. Then you know, what do

(27:27):
you owe? Six hundred thousand justpaid off? What you just paid off?
You own a shopping mall worth eightmillion dollars and you owe seven million
dollars on it, just paid off, paid off? You owe the Lakers
and you're you know, two billionon Lakers just paid off? Got them?
Is it the dumbest you know adviceever? You know, it's like

(27:48):
it's like driving down to Dodger Stadiumor downtown LA and you see a homeless
guy who's got a shopping cart andhe's drunk and he's laying on the sidewalk,
and then you say to them,hey, why doesn't that guy see
where he is and pull himself up. That's that's the equivalent of that,
why don't you just pay it off? The reason they're not paying off is

(28:10):
they don't have the money. Likelet's say you have a thousand dollars ballance
on your Macy's card being charged thirtyfour percent. Move that over to a
new card with a zero percent promotion. Oh, here we go. Here
we go with the credit card shuffle. I've been through that before, man,
where you sting one company and payanother one, and then you get
another card and then move that over. You spend your entire day, you

(28:33):
know, just moving money around thatyou don't have. I've done that before
in the past. I owed moneyto a Crocker Bank at some point in
my life, and the guy wouldcall me at eight o'clock every morning.
Every single morning, he'd call meat eight o'clock. Hey, it's a
day from Crocker Bank. I wantto see if you have any money,
I said, now, much likeyesterday, I don't have it on me.

(28:56):
I said, But buddy, Ido have to go to New York
tomorrow for a possible job interview.Instead of calling me at eight tomorrow morning,
could you call me at six becauseI got an alarm set, but
I don't want to sleep through it. He goes, Yeah, yeah,
I'll call you at six. SoI have my own personal wake up call
from a credit card company that Iowed money to. Yeah, I thought
that was a pretty ingenious, Butman, I know what it's like to

(29:19):
be, you know, banging oncredit card companies banging on you, and
you get those letters the mail thatare read like there's read around the envelope,
or there's red in the envelope orpink. You know what that is.
That's it. We're going to shutyou down, or we're going to
close you out. We're going toshut off your utilities. And a lot
of people listening right now you knowwhat that is. Where you go to

(29:41):
the phone company personally to pay themon a Friday before they shut you down
for the weekend, or electric company, you got to go and can in
person and pay it. I've beenthere, man, I've been there.
I have been there on Van EyesBoulevard near Sherman Way at Pacific Bell standing
in line with you know, twentyother completely broke guys. I just wanted

(30:02):
to pay you know, the minimumon your film bill before they shut you
off. A dumb way to gothrough life. But man, I know
that's like, all right, we'relive on KFI Am six forty Conway Show
on demand on the iHeartRadio app.Now, you can always hear us live
on KFI Am six forty four toseven pm Monday through Friday, and anytime

(30:26):
on demand on the iHeart Radio app.