Latest / The Bill Handel Show / ‘Tech Tuesday’ with Rich DeMuro | The ‘Hamster Wheel’ of Credit

Transcript

‘Tech Tuesday’ with Rich DeMuro | The ‘Hamster Wheel’ of Credit · The Bill Handel Show

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  Speaker 1: You're listening to Bill Handle on demand from KFI AM
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  Speaker 1: six forty.
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  Speaker 2: Good Morning, Tuesday, May twelfth, It is time for Tech
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  Speaker 2: Tuesday with Rich Tomurrow. Today's Tech Tuesday segment brought to
• 0:13
  Speaker 2: you by system Pavers, where outdoor living is designed around
• 0:17
  Speaker 2: you and they are installing my turf today. So I'm
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  Speaker 2: obviously a huge fan. Licensed six six one five seven five. Okay,
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  Speaker 2: Rich Tomurrow, our tech guy Saturday's eleven am to two
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  Speaker 2: pm Live here on KFI every day on KTLA, Instagram,
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  Speaker 2: at rich on tech website, richontech dot TV.
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  Speaker 1: Good morning, Rich, Good morning to Bill.
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  Speaker 3: Okay.
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  Speaker 2: Now Amazon expanding thirty minute delivery across the US. Now,
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  Speaker 2: my wife lives on Amazon. Every time I come home,
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  Speaker 2: there on the front porch are boxes and boxes and
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  Speaker 2: when she orders something, you'll order it and three hours later,
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  Speaker 2: two hours later, it hits our doorstep. And I find
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  Speaker 2: that incredible. How do they do that? And they're expanding that.
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  Speaker 1: Yeah, And this is the thing, Like we live in
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  Speaker 1: a great area for Amazon delivery because we can get things.
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  Speaker 1: Like you said, I ordered something the other night and
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  Speaker 1: it was there in the morning when I woke up.
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  Speaker 1: I've ordered things in the morning, it's there in the
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  Speaker 1: afternoon before I go to bed. So we have very fast,
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  Speaker 1: speedy delivery here. And that's all because of the way
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  Speaker 1: they set up these distribution centers. Amazon obviously has their
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  Speaker 1: own network of delivery trucks and logistics, and what they
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  Speaker 1: do is they step it up a notch by putting
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  Speaker 1: things in areas that are expected to sell. So obviously
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  Speaker 1: in the LA Area, a lot of vegan goods, a
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  Speaker 1: lot of healthy items, a lot you know, there's a
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  Speaker 1: lot of things that people in the LA Area might purchase.
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  Speaker 1: They put there preemptively. But anyway, but now they're starting
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  Speaker 1: this new thing called Amazon. Now this is delivery in
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  Speaker 1: thirty minutes or less, ironically not available in the LA Area.
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  Speaker 1: This reminds me Bill back in the day. I remember
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  Speaker 1: Domino's pizza used to be thirty minutes or less and.
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  Speaker 2: Yeah, all these someone yeah, plowed through a stop sign
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  Speaker 2: and some poor kid became a quadriplegic.
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  Speaker 3: They changed that.
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  Speaker 1: Yeah, they stopped doing that. But here in this case,
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  Speaker 1: I think that, you know, things have gotten better because
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  Speaker 1: back then they didn't have AI to help them route things,
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  Speaker 1: and now they do, and so they can optimize for delivery,
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  Speaker 1: and this is going right up against door Dash, Instacart,
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  Speaker 1: Walmart is doing fast delivery. Targets doing fast delivery or
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  Speaker 1: pick up, so thirty minutes or less, things like groceries, medicine, batteries, toothpaste,
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  Speaker 1: paper towels, small electronics. And the service is widely available
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  Speaker 1: in places like Atlanta, Dallas, Philadelphia, and Seattle. More cities
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  Speaker 1: are coming soon. But like you said, since we already
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  Speaker 1: have pretty speedy delivery here in LA I assume we're
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  Speaker 1: gonna be next. But here's the other thing. You got
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  Speaker 1: to pay for that. So Prime members pay four dollars
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  Speaker 1: per order. This is not included in your typical Prime
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  Speaker 1: membership non Prime members. I don't know who would ever
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  Speaker 1: do this, but maybe if you really need something in
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  Speaker 1: a pinch, fourteen dollars for an order. So that's what's happening.
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  Speaker 1: I'm looking at the website right now. If you're in Seattle,
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  Speaker 1: this is pretty cool. I just put in Seattle delivery.
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  Speaker 1: It tells you like there's a little lightning mark in
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  Speaker 1: a lightning bolt, and it says thirty nine minutes to
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  Speaker 1: your zip code right now. And I can see it's
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  Speaker 1: a lot of stuff. It's fresh produce, snacks, drinks, dairy.
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  Speaker 1: So they are really going up against a lot of
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  Speaker 1: players in this field, you know, uber every I mean,
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  Speaker 1: so many people to get this stuff delivered.
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  Speaker 2: Yeah, it just seems like a great revenue call for
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  Speaker 2: anybody who needs something right now. And that's a lot
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  Speaker 2: of people who want it right now, not only because
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  Speaker 2: they need it. It's a question of instant gratification. And
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  Speaker 2: that's that's me now. The morning order after delivery, same
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  Speaker 2: day that does not cost any more than your normal
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  Speaker 2: sponsorship or your normal.
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  Speaker 1: Yeah, you're well, it actually does because so if you notice,
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  Speaker 1: I know, you said your wife orders a lot. I
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  Speaker 1: order a lot. My wife and I order so much
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  Speaker 1: on Amazon. I have to text her when I order
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  Speaker 1: something because she'll double order it. She'll be like, you know,
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  Speaker 1: we'll both be like, oh, yeah, we needed what do
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  Speaker 1: we need? Thot'll say electrolyte drinks that everyone has nowadays,
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  Speaker 1: you know, those little powdered mixes. I ordered them yesterday
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  Speaker 1: and I had to text her to be like, I
• 4:32
  Speaker 1: ordered these because she'll go and order it too. You know,
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  Speaker 1: we order you know. Anyway, long story short, if you
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  Speaker 1: look at the Amazon delivery page, now they're actually telling
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  Speaker 1: you how much quote unquote you would be paying for
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  Speaker 1: delivery if you are not a Prime customer. So they're
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  Speaker 1: trying to train their customers to understand this delivery is
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  Speaker 1: not free. It's included in your membership. And by the way,
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  Speaker 1: it's either three dollars, nine dollars, ten dollars, I mean
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  Speaker 1: it depends. But yeah, that if you're under twenty five
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  Speaker 1: dollars and you're trying to order something, they may charge
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  Speaker 1: you. You know, they may try to charge you three dollars
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  Speaker 1: for that super speedy shipment even as a Prime member.
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  Speaker 2: Yeah, and if you use it as much as you
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  Speaker 2: do and as much as Lindsey does, and what you
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  Speaker 2: get on online and what you can watch on TV
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  Speaker 2: is still a good deal.
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  Speaker 3: I mean Amazon is still a good deal.
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  Speaker 1: But right now, but yeah, we'll find out and guarantee
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  Speaker 1: you know, they're going to raise the price on this.
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  Speaker 1: There's no way this membership could stay at one thirty
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  Speaker 1: nine right now because of gas prices. There's just no way.
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  Speaker 1: Like I feel like we're going to get that email
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  Speaker 1: they you know, these emails they come out from these companies,
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  Speaker 1: these tech companies, they tell you all these great things
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  Speaker 1: at the top and then at the bottom they go.
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  Speaker 1: And by the way, we're raising the price another ten
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  Speaker 1: dollars a year, twenty dollars a year. So that's not
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  Speaker 1: happening yet, but I just have it willing it well.
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  Speaker 2: Quick question regarding a new fitness tracker called the fit
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  Speaker 2: Bit Air and this is with Google now. So I
• 6:00
  Speaker 2: just got my Apple Watch and I use it when
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  Speaker 2: I work out. I know working out is an ethma
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  Speaker 2: to me, but one of the things it does is
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  Speaker 2: register my heart rate and it doesn't do a very
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  Speaker 2: good job. And I'm thinking of getting something else. And
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  Speaker 2: you're saying that Google has something that's pretty terrific.
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  Speaker 1: Well, I haven't. No one's tested this just yet, so
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  Speaker 1: it's just what we're going on, is what Google has
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  Speaker 1: told us. But we've been briefed and you know, we've
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  Speaker 1: had meetings about it. But you know, the review units
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  Speaker 1: are arriving soon. I hope I can say that. But
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  Speaker 1: this is called the Fitbit Air. And what it is
• 6:40
  Speaker 1: is it's a fitbit that there's no screen, so it
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  Speaker 1: looks like a fitness band on your wrist. And they
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  Speaker 1: make them in a whole different bunch of ranges of
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  Speaker 1: like fashionable with like fabric and canvas, and then there's
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  Speaker 1: like a nice you know, one that you can wear
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  Speaker 1: while you work out, so it's a little bit more
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  Speaker 1: sweat resistant. So anyway, these things are one hundred dollars
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  Speaker 1: and it basically tracks your heart rate, your sleep, your
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  Speaker 1: blood oxygen, your skin temperature, heart rate variability, your workouts, calories,
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  Speaker 1: and they say the sleep tracking is accurate and the
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  Speaker 1: design is basically meant to be worn twenty four to seven.
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  Speaker 1: So you charge this thing. It lasts up to a week.
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  Speaker 1: There's a popular band that's very similar to this called
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  Speaker 1: the Whoop, and that one is a lot more expensive.
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  Speaker 1: You have to pay for an annual membership. This starts
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  Speaker 1: at one hundred dollars with no subscription required. So a
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  Speaker 1: lot of people are calling it the Whoop killer, and
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  Speaker 1: Whoop is a very popular band with the hasn't really
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  Speaker 1: made its way to mainstream just yet, i would say,
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  Speaker 1: but a lot of high end athletes and wellness folks
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  Speaker 1: and fitness specialists they love that thing. So this is
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  Speaker 1: kind of the everyman's Whoop again. It's called the Fippit Air.
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  Speaker 1: It's coming out on the twenty sixth and the main
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  Speaker 1: downside is that there is no GPS, there's no display,
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  Speaker 1: so if you like your notifications on your smartphone screen,
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  Speaker 1: you're not going to get that. But this looks like
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  Speaker 1: something that could be very very popular, especially at a
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  Speaker 1: one hundred dollars price point.
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  Speaker 3: And where do you read the results on your phone?
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  Speaker 1: Everything's going to be sent up to the app. So
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  Speaker 1: they're actually rebranding the fippit app as Google Health. So
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  Speaker 1: that's another thing that's going to be changing very soon
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  Speaker 1: in the next couple of weeks here. But but again,
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  Speaker 1: one hundred dollars, you know this thing is going to
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  Speaker 1: be discounted to less and during the holidays when you're
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  Speaker 1: looking for a gift for someone that has it all. Oh,
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  Speaker 1: this is a good little sleep tracker, eighty bucks, ninety bucks,
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  Speaker 1: whatever it is. It's very easy lifting and.
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  Speaker 3: It works fine on Apple phones, right, iPhones.
• 8:39
  Speaker 1: Yeah, Icone and Android. So they've they've hit everything.
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  Speaker 3: Here, right. Do they have anyone that.
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  Speaker 1: I'll have my soon?
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  Speaker 3: Yeah? Does one come in the suppository form? Probably not?
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  Speaker 1: Okay, not yet, But I don't recommend because the tracker
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  Speaker 1: actually pops off the band, so I don't recommend inserting that.
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  Speaker 3: Okay, Yeah, all right, thank you for that. And now
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  Speaker 3: Apple pardon.
• 9:07
  Speaker 1: Yeah, do you want to be clear on that?
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  Speaker 3: Yeah, and you can after you test it, let me
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  Speaker 3: know how that works.
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  Speaker 1: I will not be I will not be testing that aspect, but.
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  Speaker 3: But you test everything.
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  Speaker 2: Rich all right, coming up, Apple and Google just made
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  Speaker 2: texting between iPhone and Android more secure. And it is
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  Speaker 2: a bear doing texting and talking to people when you
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  Speaker 2: have two different phones.
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  Speaker 3: So let's talk about that for a minute.
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  Speaker 1: Yeah, and this has gotten a lot better, but it's
• 9:35
  Speaker 1: still not very good. Because I got a message from
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  Speaker 1: a family member last night. They sent me a video.
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  Speaker 1: They said, here take a look, and I'm on Android
• 9:42
  Speaker 1: right now, they're on iPhone. I didn't get the video.
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  Speaker 1: And you know, this is supposed to be like a
• 9:46
  Speaker 1: lot better. But anyway, that's besides the point. Our CS
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  Speaker 1: is what's the new standard between iPhone and Android. So
• 9:54
  Speaker 1: it has made video exchange, photo exchange better and you
• 9:57
  Speaker 1: can see when people read your messages. But now they're
• 10:00
  Speaker 1: adding cross platform end to end encryption. That means when
• 10:03
  Speaker 1: you send a message between an iPhone and an Android,
• 10:07
  Speaker 1: nobody could read that message except you and the recipient.
• 10:10
  Speaker 1: Not Google, not Verizon, not T Mobile, not Apple, no one,
• 10:14
  Speaker 1: not the government. So this is a huge win for privacy.
• 10:17
  Speaker 1: It's taken a long time. You will need to be
• 10:19
  Speaker 1: using Google Messages on the Android side, and then obviously
• 10:23
  Speaker 1: the latest version of iOS on the Apple side, which
• 10:26
  Speaker 1: is twenty six point five. You should see a lock
• 10:30
  Speaker 1: if this is enabled when you text between iPhone iPhone,
• 10:33
  Speaker 1: iPhone Android Android Android.
• 10:35
  Speaker 2: All right, we will talk again next Tuesday, and of
• 10:39
  Speaker 2: course this Saturday from eleven am to two pm Live
• 10:43
  Speaker 2: on KFI, every day, Instagram at rich on Tech website.
• 10:48
  Speaker 2: Tremendous amount of information, even the new Fitbit air which
• 10:53
  Speaker 2: we talked about. Where you can put it and the
• 10:56
  Speaker 2: website is rich Ontech dot tv rich Catch the weekend.
• 11:01
  Speaker 1: Thank you Bill.
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  Speaker 3: Okay, you're well.
• 11:03
  Speaker 2: My thought he had a guy hung up on me
• 11:05
  Speaker 2: after that people usually do. All right, Now, what do
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  Speaker 2: I mean when I refer to the hamster wheel of credit. Well,
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  Speaker 2: we've got the ever growing cost of groceries, gas, electricity,
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  Speaker 2: so monthly credit card balances have simply gotten larger, much larger,
• 11:27
  Speaker 2: and to pay to pay them down, people drive less.
• 11:34
  Speaker 2: They're stopping putting money away from savings. This article in
• 11:37
  Speaker 2: New York Times about a family makes one hundred and
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  Speaker 2: forty thousand dollars a year. I have great credit scores,
• 11:44
  Speaker 2: and they are really looking at saving money because it's
• 11:49
  Speaker 2: gotten so expensive. And they are among an increasing number
• 11:53
  Speaker 2: of households leaning on credit cards to make ends meet.
• 11:57
  Speaker 2: That's the hamster wheel. The cost of essential housing, healthcare, utilities,
• 12:02
  Speaker 2: food just keep on rising. Inflation just hit three point
• 12:05
  Speaker 2: eight percent annualize, and that's the highest it has been
• 12:08
  Speaker 2: in years. Credit card balance has reached a record of
• 12:12
  Speaker 2: one point three trillion dollars at the end of last year,
• 12:16
  Speaker 2: and that's according to the Federal Reserve Bank of New York.
• 12:19
  Speaker 2: And more and more people are actually applying for new
• 12:22
  Speaker 2: credit cards in anticipation of using credit cards and using
• 12:28
  Speaker 2: credit cards for basic needs. Applications for credit cards for
• 12:34
  Speaker 2: credit rows to the highest level since late twenty twenty two.
• 12:39
  Speaker 2: And the strain from this debt load is starting to
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  Speaker 2: really show. The percentage of after tax income that household
• 12:49
  Speaker 2: our households are spending paying down that ticked up. Fewer
• 12:54
  Speaker 2: people are paying down because they just can't afford it now.
• 12:59
  Speaker 2: According to Amy Diamond, chief executive of JP Morgan, he
• 13:02
  Speaker 2: says we're not seeing signs of serious distress right now,
• 13:06
  Speaker 2: that borrowing habits look fundamentally healthy, but look at the numbers.
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  Speaker 2: Across all consumer debts. Delinquins rose to four point eight percent,
• 13:16
  Speaker 2: the highac since twenty seventeen. For the first time in
• 13:20
  Speaker 2: more than a decade, the national average credit score dipped
• 13:24
  Speaker 2: last year. According to Experience, more borrowers take on debts
• 13:30
  Speaker 2: that don't even show up on their credit reports, like
• 13:33
  Speaker 2: buy now, pay later. And we're talking about for essentials,
• 13:38
  Speaker 2: not for a new washing machine.
• 13:41
  Speaker 3: Either a refrigerator.
• 13:43
  Speaker 2: These pay later products don't show up as a hard
• 13:47
  Speaker 2: inquiry on the borrower's credit report, which can lower credit scores.
• 13:52
  Speaker 2: Lenders don't even report them to credit bureaus. Now this
• 13:56
  Speaker 2: is a fun one, Okay, I love this. And that
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  Speaker 2: is the Trump administration noting that the spike in consumer
• 14:04
  Speaker 2: borrowing has gone up dramatically. And Kevin Bassett, who is
• 14:10
  Speaker 2: a top White House economic advisor, last Wednesday said on
• 14:15
  Speaker 2: Fox Business credit card spending is through the roof. People
• 14:21
  Speaker 2: are spending more on gasoline, but they're spending more on
• 14:25
  Speaker 2: everything else too.
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  Speaker 3: Why well, he attributed it to.
• 14:32
  Speaker 2: People having so much more money in their pockets that
• 14:36
  Speaker 2: they are increasing their spending and credit card payment or spending.
• 14:43
  Speaker 2: This is a legitimate statement. This was actually said by
• 14:49
  Speaker 2: Kevin Hassed. You just have more money to spend, so
• 14:54
  Speaker 2: you're throwing it on credit cards.
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  Speaker 3: Stop it. That's ridiculous, that's true.
• 15:00
  Speaker 1: Stop it.
• 15:02
  Speaker 3: I know it's you know, all of this is insane.
• 15:06
  Speaker 3: That's we're coming up to.
• 15:08
  Speaker 2: And the story about this family at one hundred and
• 15:10
  Speaker 2: forty thousand dollars a year, the gallon of gas near
• 15:14
  Speaker 2: their home rose overnight seventy cents. Home energy bills went
• 15:19
  Speaker 2: through the roof, their gas bill, their natural gas bill
• 15:23
  Speaker 2: normally under one hundred dollars, almost four hundred dollars in February,
• 15:27
  Speaker 2: grocery bill one thousand dollars a month higher than it
• 15:30
  Speaker 2: was a few years ago.
• 15:32
  Speaker 3: It is tough. We're going through some very very tough
• 15:35
  Speaker 3: times and.
• 15:36
  Speaker 2: Where and this is what's I think going to kill
• 15:38
  Speaker 2: the Republican Party because up to this point, the strongest
• 15:45
  Speaker 2: part of the campaign and the popularity of the president
• 15:49
  Speaker 2: was based on economic issues.
• 15:52
  Speaker 3: That's really what killed Joe Biden.
• 15:55
  Speaker 2: As the President said, I operation too, yeah, but I
• 15:59
  Speaker 2: think more oh immigrant. There was just something on CNN
• 16:02
  Speaker 2: that I saw of what's important to the average voter,
• 16:08
  Speaker 2: and economics were fifty five percent is important in terms
• 16:13
  Speaker 2: of the number of people who view those and the
• 16:16
  Speaker 2: tracking and immigration was down to I think in the
• 16:20
  Speaker 2: twenties or in the teens. So it's all about people
• 16:26
  Speaker 2: voting with their pocketbooks. That's what we do, and we
• 16:30
  Speaker 2: were in trouble. A lot of it is no fault
• 16:34
  Speaker 2: of the president because the president does not control an economy.
• 16:38
  Speaker 2: The president does not control the cost of gas, except
• 16:42
  Speaker 2: when you're talking about the war in Iran and the
• 16:44
  Speaker 2: closing of the Strait of Horror moves. That's another issue.
• 16:46
  Speaker 2: But in general, I think it's going to kill the
• 16:49
  Speaker 2: Republicans my feeling, But we'll see what happens.
• 16:53
  Speaker 3: All right, We're.
• 16:54
  Speaker 2: Gonna finish out the show with the complaint that Ann
• 17:00
  Speaker 2: has something that she experienced. It said, Okay, I think
• 17:04
  Speaker 2: a lot of us have gone to a hotel, so
• 17:07
  Speaker 2: An wanted to tell your story.
• 17:10
  Speaker 4: No, well, and I have originally brought the story to
• 17:13
  Speaker 4: you kind of questioned me in that is this really
• 17:16
  Speaker 4: an issue? Is this really something that people deal with
• 17:19
  Speaker 4: on vacation, and it is. People love to hoard lounges,
• 17:24
  Speaker 4: they get down there the minute the gates open at
• 17:28
  Speaker 4: seven or eight am, they lay their towels down and
• 17:31
  Speaker 4: then they don't come down till eleven o'clock in the afternoon.
• 17:34
  Speaker 4: So loose, and it's annoying to people because I'm like
• 17:39
  Speaker 4: telling my husband, Okay, let me set the alarm because
• 17:41
  Speaker 4: I gotta go down because I gotta get lounges.
• 17:43
  Speaker 3: And then yeah, oh I got it. I've had I
• 17:46
  Speaker 3: had the same problem.
• 17:47
  Speaker 4: Got to the point now that now we have to
• 17:49
  Speaker 4: reserve lounges. And last time we went to Vegas, we
• 17:52
  Speaker 4: spent like one hundred bucks seventy five bucks per lounge
• 17:55
  Speaker 4: to make sure we had lounges.
• 17:57
  Speaker 3: When we got down there.
• 17:58
  Speaker 2: And you talked about how I rent a cabana.
• 18:02
  Speaker 3: You don't deal with this because.
• 18:03
  Speaker 2: You know, but legitimately I would not. I would not
• 18:09
  Speaker 2: rent to cabana enough for that, I would not rent
• 18:14
  Speaker 2: to cabana. But I had to, and I would not
• 18:17
  Speaker 2: have because I'm not a big fan of sitting around
• 18:19
  Speaker 2: the pool. The only reason they sit around the pool
• 18:22
  Speaker 2: is to see people that are fatter than I am,
• 18:25
  Speaker 2: so to make me feel better.
• 18:29
  Speaker 4: Sorry, but anyway, so when these people soon and won,
• 18:32
  Speaker 4: even though it wasn't a huge amount of money by
• 18:34
  Speaker 4: any means. It was like they're making a point because vacation.
• 18:39
  Speaker 2: By the way, this was Germany where they did this.
• 18:41
  Speaker 2: But I think this will find it. Yeah, and and
• 18:45
  Speaker 2: and when you think about it, you're absolutely right. Because
• 18:47
  Speaker 2: every time I've gone to a hotel and uh, they
• 18:50
  Speaker 2: have a pool and they advertise the pool. First of all,
• 18:52
  Speaker 2: there aren't enough lounge chairs. But you can't have enough
• 18:54
  Speaker 2: lounge chairs for everybody there. But the system of going
• 19:00
  Speaker 2: there in the morning and people wake up early early
• 19:02
  Speaker 2: and they grab those lounge chairs.
• 19:05
  Speaker 3: And I was at a hotel.
• 19:09
  Speaker 2: Where was I I don't remember, but there were lounge
• 19:12
  Speaker 2: chares around the pool.
• 19:12
  Speaker 3: I couldn't even get near it. And they didn't have cabanas.
• 19:16
  Speaker 4: And it's not the people who go down there early
• 19:19
  Speaker 4: and grab a lounge chair and lay out and go swimming,
• 19:21
  Speaker 4: that's fine. It's the people who lay a towel and
• 19:24
  Speaker 4: a magazine on a row of lounges and then don't
• 19:27
  Speaker 4: show up for three hours.
• 19:29
  Speaker 3: That's yeah, the problem. That's lovely.
• 19:31
  Speaker 2: Well, here's what you can do is you put a
• 19:34
  Speaker 2: little stain on the lounge chair and then point to
• 19:38
  Speaker 2: it and go hunt a virus, and I'll bet you
• 19:42
  Speaker 2: you're going to get that lounge chair. Just there just
• 19:46
  Speaker 2: a way of thinking about it. But it is a problem,
• 19:49
  Speaker 2: and it's the argument is and it's a legitimate argument.
• 19:53
  Speaker 2: That's a breach of contract between you and the hotel
• 19:59
  Speaker 2: allowing peep pardon what did the guy win eleven hundred
• 20:04
  Speaker 2: bucks and not a huge amount of money, but he
• 20:08
  Speaker 2: was at the hotel with his family. He was able
• 20:10
  Speaker 2: to get the lounge chair once in eleven days, and
• 20:14
  Speaker 2: that was just for him and his wife. His kids
• 20:17
  Speaker 2: never got one, so they had to be on towels
• 20:19
  Speaker 2: on the ground, and it was it's it's pretty bad.
• 20:25
  Speaker 2: It's pretty bad. And then I had to rent a cabana.
• 20:27
  Speaker 2: And I do not like to spend money that I
• 20:30
  Speaker 2: don't have to spend money on. I mean, I think
• 20:33
  Speaker 2: it's a humongous waste of time. And yet there we go.
• 20:38
  Speaker 2: It's it's you're absolutely right, Ann And so here's the secret,
• 20:42
  Speaker 2: by the way, just don't go to the pool, you know,
• 20:44
  Speaker 2: sit in the hotel room, go go out to dinner.
• 20:47
  Speaker 2: You know, they have a burger King's virtually every city
• 20:49
  Speaker 2: in the world, certainly Kentucky fed chicken.
• 20:51
  Speaker 3: Part is lame by the pool only around.
• 20:55
  Speaker 2: Fat people, I'm telling you, or only around really really.
• 20:59
  Speaker 3: Ugly fat people. Awesome, That does it? Then you feel better?
• 21:03
  Speaker 3: Then you feel better? Are we done?
• 21:06
  Speaker 2: I think we are? Everybody speaking over everybody else. Welcome
• 21:09
  Speaker 2: to the show. Okay, guys, we're back then tomorrow and
• 21:13
  Speaker 2: Amy and Will Cole Schreiber tomorrow five to six with
• 21:17
  Speaker 2: wake up call Neil and I six to nine, and
• 21:21
  Speaker 2: Amy and of.
• 21:21
  Speaker 3: Course Will, who is always there and we try to ignore.
• 21:26
  Speaker 2: Him, and and and Cono and hopefully tomorrow and speaks
• 21:30
  Speaker 2: over me, and you can't listen to a word I say,
• 21:34
  Speaker 2: all right, We're done, Gary and Shannon. Fine.
• 21:47
  Speaker 1: HD two.
• 21:48
  Speaker 3: You've been listening to the Bill Handle Show.
• 21:50
  Speaker 2: Catch My Show Monday through Friday, six am to nine am,
• 21:53
  Speaker 2: and anytime on demand on the iHeartRadio app