Latest / The Bill Handel Show / ‘How to Money’ with Joel Larsgaard | Lawsuit Against USPS

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‘How to Money’ with Joel Larsgaard | Lawsuit Against USPS · The Bill Handel Show

• 0:01
  Speaker 1: You're listening to Bill Handle on demand from KFI AM
• 0:05
  Speaker 1: six forty.
• 0:07
  Speaker 2: We're fine, good morning, Handle here February twenty six, Thursday,
• 0:13
  Speaker 2: and tomorrow is Foody Friday and ask handle anything, which
• 0:18
  Speaker 2: is always great fun.
• 0:20
  Speaker 3: I'll tell you about that a little bit later on.
• 0:22
  Speaker 2: In the meantime, it's time for Joel Larsgard how to Money.
• 0:25
  Speaker 2: His podcast is how to Money and his website is
• 0:28
  Speaker 2: howto Money dot com.
• 0:31
  Speaker 3: Oh is how to Money? Joel?
• 0:32
  Speaker 1: Right?
• 0:32
  Speaker 3: Do I have that right, Joel? How to Money? Joel is?
• 0:35
  Speaker 4: The is the social handle had money dot com?
• 0:38
  Speaker 3: All right?
• 0:38
  Speaker 2: If I always get that confused, because I always get
• 0:41
  Speaker 2: that confused. Okay, A couple of things I want to
• 0:44
  Speaker 2: bring up, And this is something I've talked about a
• 0:46
  Speaker 2: whole lot, and that is the number of bankruptcies that
• 0:50
  Speaker 2: occur in the United States and getting more and more.
• 0:54
  Speaker 2: And the number one reason is medical emergencies and the
• 0:59
  Speaker 2: ask randnowmical amount of money that is both charged and
• 1:04
  Speaker 2: paid by folks. And so let's talk about what I do,
• 1:11
  Speaker 2: which most of us want to do, is health insurance
• 1:14
  Speaker 2: and navigating the healthcare billing system.
• 1:17
  Speaker 4: Man, this has gotten so much more difficult over the
• 1:20
  Speaker 4: past decade, and even in just the last couple of years, right,
• 1:24
  Speaker 4: everyone has seen the headlines about and if you've tried
• 1:28
  Speaker 4: to buy health insurance right at the end of last year,
• 1:30
  Speaker 4: just how much premiums have gone up, how the subsidies
• 1:34
  Speaker 4: have been not completely removed, but diminished for a whole
• 1:38
  Speaker 4: lot of people if you're buying coverage on the healthcare exchange.
• 1:41
  Speaker 4: And so people are trying to figure out what does
• 1:43
  Speaker 4: it look like for me to actually have health care
• 1:45
  Speaker 4: in this economy if I don't work someplace where I
• 1:49
  Speaker 4: have a solid plan offer to me. And here's the thing.
• 1:52
  Speaker 4: Even people who have good insurance through their workplace, they
• 1:56
  Speaker 4: might have a really high deductible bill and find that
• 1:59
  Speaker 4: they get they get a medical bill in the mail
• 2:03
  Speaker 4: after a procedure, and they're like, oh, my gosh, I
• 2:06
  Speaker 4: don't have ten thousand dollars to pay for this, and insurance, yeah,
• 2:08
  Speaker 4: it's going to maybe reduce the cost of the bill,
• 2:12
  Speaker 4: and then but I'm still on the hook because my
• 2:14
  Speaker 4: deductible is seven or eight thousand dollars and I don't
• 2:16
  Speaker 4: have the money to pay for this. And so we're
• 2:18
  Speaker 4: just seeing more and more people even who are covered
• 2:21
  Speaker 4: by traditional insurance solid insurance. They don't have the money
• 2:24
  Speaker 4: to pay for unexpected bills. They haven't been saving up.
• 2:27
  Speaker 4: And that's a really crucial thing, is you have to
• 2:29
  Speaker 4: have the money on hand. You have to amass savings
• 2:33
  Speaker 4: at least to the point that you can meet your
• 2:35
  Speaker 4: deductible every single year. I know that's easier said than done,
• 2:39
  Speaker 4: but it's a really important thing to do, and we're
• 2:41
  Speaker 4: just seeing more people not having that savings on hand.
• 2:43
  Speaker 2: Yeah, I understand that when it comes to creditors and
• 2:48
  Speaker 2: experts or creditors looking at your credit rating when you
• 2:51
  Speaker 2: want to borrow money, you buy a car, etc. It's
• 2:54
  Speaker 2: broken down into two categories if you go bank bankrupt,
• 2:58
  Speaker 2: for example, people that go bankrupt under normal circumstances and
• 3:02
  Speaker 2: people that go bankrupt or have a horrible credit store
• 3:05
  Speaker 2: because of medical bills. Yeah, and they understand. Medical bills
• 3:10
  Speaker 2: can just break you. And it's not your fault. It's
• 3:12
  Speaker 2: not a question of not paying on time. It's not
• 3:15
  Speaker 2: a question of being a flake. It's a question of
• 3:17
  Speaker 2: just not being able to deal with the amount that the.
• 3:22
  Speaker 3: Medical world charges.
• 3:24
  Speaker 2: You know, this is a really good and boy, I
• 3:27
  Speaker 2: segue right into this, This is a good reason why
• 3:31
  Speaker 2: I think national health is so important.
• 3:34
  Speaker 3: Well, go ahead.
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  Speaker 4: I want to say this because I think one of
• 3:39
  Speaker 4: the reasons that so many people what people don't realize
• 3:42
  Speaker 4: is there's so much medical debt that ultimately people pay
• 3:45
  Speaker 4: that they don't have to pay. There are a lot
• 3:48
  Speaker 4: of avenues out there to have that debt forgiven or
• 3:52
  Speaker 4: reduced if you feel like you're unable to pay the bill,
• 3:55
  Speaker 4: and so that this is something like if you look,
• 3:58
  Speaker 4: if you have your seed, you're done. And I would
• 4:01
  Speaker 4: look at the provider's website to see what sort of
• 4:05
  Speaker 4: what sort of medical assistance, what sort of financial assistance
• 4:08
  Speaker 4: do they offer if you can't afford to pay the bill,
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  Speaker 4: And you might find in so many cases that if
• 4:15
  Speaker 4: you make under a certain amount of money, that bill
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  Speaker 4: is just completely white, clean, one hundred percent forgiven. A
• 4:20
  Speaker 4: lot of people don't realize this, so go look. It
• 4:23
  Speaker 4: should be published on the provider's website. You can even
• 4:26
  Speaker 4: call the financial aid office if you're not seeing it,
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  Speaker 4: say hey, what's the threshold for bill forgiveness?
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  Speaker 3: Do I qualify?
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  Speaker 4: You might have to prove it send in your tax
• 4:35
  Speaker 4: returns or something like that, but a lot of people
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  Speaker 4: do qualify for full forgiveness of thousands of dollars worth
• 4:40
  Speaker 4: of a medical bill, and they just don't realize it.
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  Speaker 3: And then the other thing is if you.
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  Speaker 4: Don't, if you don't qualify for full forgiveness, you could
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  Speaker 4: get a substantial reduction in that bill amount just by
• 4:50
  Speaker 4: playing hardball. You've got plenty of time before they report
• 4:54
  Speaker 4: over the unpaid medical bill to the credit bureaus. Take
• 4:58
  Speaker 4: advantage of that time, negotiate back and forth. See if
• 5:00
  Speaker 4: you can get a thirty to fifty even seventy percent
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  Speaker 4: discount off of that bill.
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  Speaker 3: Yeah, yeah, and you can.
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  Speaker 2: You threaten bankruptcy literally, And what you're saying if, assuming
• 5:10
  Speaker 2: you're credible, is tell the provider, hey, listen, I can't
• 5:13
  Speaker 2: pay this bill. I never will be able to. I
• 5:15
  Speaker 2: have to file for bankruptcy. I have no way around this.
• 5:18
  Speaker 2: Will you take twenty five cents on the dollar that
• 5:21
  Speaker 2: I think I can borrow? And now they're looking at
• 5:24
  Speaker 2: you and saying, okay, I'd rather have twenty five cents
• 5:27
  Speaker 2: on the dollar than nothing on the dollar.
• 5:30
  Speaker 3: So negotiations. And I can't think of.
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  Speaker 2: Any medical provider that would not negotiate with someone who
• 5:38
  Speaker 2: owes the money.
• 5:38
  Speaker 3: All right, this one.
• 5:39
  Speaker 2: This one I want you to just comment on, and
• 5:41
  Speaker 2: that is avoiding home ownership and renting. Now, when it
• 5:47
  Speaker 2: was three percent money, home ownership was everything. I mean,
• 5:50
  Speaker 2: they made no sense. But here's what a lot of
• 5:53
  Speaker 2: people don't understand. Let's say you buy a house for
• 5:56
  Speaker 2: a million dollars and you're even with mortgage and everything,
• 6:03
  Speaker 2: you're paying X number of dollars a month, which may
• 6:05
  Speaker 2: or may not equal, or you're getting X number of.
• 6:08
  Speaker 3: Dollars a month rent.
• 6:10
  Speaker 2: Now my question is they say it's a five percent
• 6:14
  Speaker 2: increase in the value of your home. Your five percent
• 6:19
  Speaker 2: increase is on a million dollars, even though you've put
• 6:22
  Speaker 2: one hundred thousand dollars down. Now you're talking some real money,
• 6:27
  Speaker 2: and a lot of people don't realize that it's a
• 6:29
  Speaker 2: relatively low investment for a very high return.
• 6:34
  Speaker 4: You're right, So, I mean that is one of the
• 6:37
  Speaker 4: things that makes home ownership so attractive is the fact
• 6:41
  Speaker 4: that you can put down very little money, right, and
• 6:44
  Speaker 4: then as your home accrues in value, you're because of
• 6:49
  Speaker 4: the way leverage works, you're making more money than if
• 6:52
  Speaker 4: you had invested that money in let's say the stock market. Right,
• 6:55
  Speaker 4: So that is one of the best parts of home ownership,
• 6:58
  Speaker 4: but it also cuts both ways. And the problem is,
• 7:02
  Speaker 4: let's say your house doesn't go open value very much.
• 7:04
  Speaker 4: We're at a time where home values are starting to sink.
• 7:08
  Speaker 4: If you look at what happened three years ago, people
• 7:10
  Speaker 4: were paying more than asking price. Now people are paying
• 7:14
  Speaker 4: less than asking price on average by like eight percent.
• 7:17
  Speaker 4: And so we're seeing people like actually, you know, taking
• 7:19
  Speaker 4: their homes back off the market because they're not able
• 7:22
  Speaker 4: to get what they thought it was worth.
• 7:24
  Speaker 3: So it so much of it.
• 7:26
  Speaker 4: Depends on your timeline whether homeownership makes sense or not.
• 7:30
  Speaker 4: I talking to someone the other day and they're like, oh, yeah,
• 7:33
  Speaker 4: I bought this house a couple of years ago. I'm
• 7:34
  Speaker 4: going to sell it. Oh my gosh, I didn't realize
• 7:37
  Speaker 4: how much transaction costs we're going to affect my bottom
• 7:39
  Speaker 4: line here. I might have to hold onto this thing
• 7:41
  Speaker 4: a little bit longer. So transaction costs are something you
• 7:44
  Speaker 4: have to factor in as a want to be homeowner.
• 7:47
  Speaker 4: And you're right, like, there is a good chance that
• 7:50
  Speaker 4: you can make an outsized bank for your buck. Even
• 7:54
  Speaker 4: though the stock market grows at a rate that's much
• 7:57
  Speaker 4: higher than the housing market, mostly because of leverage.
• 8:01
  Speaker 3: Yeah, and just incidentally a personal story.
• 8:03
  Speaker 2: Next door to me, a house was put up for
• 8:05
  Speaker 2: sale at a reasonable price, by the way, nothing crazy,
• 8:09
  Speaker 2: and they can't get it and they decided they're not
• 8:11
  Speaker 2: moving exactly for the reasons. You say, they were anticipating
• 8:14
  Speaker 2: getting X number of dollars and they're not, so they're
• 8:17
  Speaker 2: not leaving. Okay, let's finish up with matching retirement funds.
• 8:22
  Speaker 2: If you don't have access to a four to oh
• 8:24
  Speaker 2: one k at work.
• 8:25
  Speaker 3: What is that about?
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  Speaker 4: Doesn't it sound nice? Like I have friends who have
• 8:29
  Speaker 4: been self employed their entire lives and they're like, man,
• 8:32
  Speaker 4: a match sounds so good. And then the robinhood was
• 8:35
  Speaker 4: like the first was like the first site, the first
• 8:39
  Speaker 4: brokerage that said, hey, guess what, we'll offer a little
• 8:42
  Speaker 4: bit of a match if you open an IRA with us,
• 8:45
  Speaker 4: And you got to read the fine print, know how
• 8:47
  Speaker 4: long they want Robin to want you to stick with
• 8:49
  Speaker 4: them before you take advantage of that offer. But that
• 8:51
  Speaker 4: was like the first match that existed outside of the
• 8:54
  Speaker 4: realm of your employer kind of being generous and incentivizing
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  Speaker 4: you to put money into your four oh one k
• 9:00
  Speaker 4: whatever retirement account it is that you have through your work. Well,
• 9:03
  Speaker 4: the President announced during the State of the Union speech,
• 9:05
  Speaker 4: the incredibly long winded State of the Union speech, that
• 9:09
  Speaker 4: there are going to and he has he did not
• 9:11
  Speaker 4: for many details, just like in so many things he
• 9:13
  Speaker 4: mentioned or talked about, details were slim. But he said,
• 9:16
  Speaker 4: starting next year, there's going to be one thousand dollars
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  Speaker 4: match to your retirement account if from the federal government
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  Speaker 4: if you do not have a four to one K
• 9:25
  Speaker 4: through your work.
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  Speaker 3: So that's kind of cool man for a lot of funds.
• 9:29
  Speaker 3: How do they pay self employed? Yeah, and the question
• 9:31
  Speaker 3: is how do they pay for it? Of course, and
• 9:34
  Speaker 3: that's a great question.
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  Speaker 4: I don't think the federal government has the money to you,
• 9:36
  Speaker 4: no tossing more money into our retirement accounts on our behalf.
• 9:39
  Speaker 2: But yeah, and you know you and I have talked
• 9:41
  Speaker 2: about this, and that is, if a four to one
• 9:44
  Speaker 2: K plan is available in matching funds are there, you
• 9:47
  Speaker 2: are out of your mind not to get involved because
• 9:50
  Speaker 2: that's a one hundred percent return no matter what happens
• 9:54
  Speaker 2: on matching. And then my companies I always I always
• 9:57
  Speaker 2: offered a three percent matching, which is not unusual for
• 10:01
  Speaker 2: companies that are you know, reasonably well established, and it
• 10:05
  Speaker 2: used to be here at KFI, for example, iHeart used
• 10:08
  Speaker 2: to offer a three percent matching the funds for.
• 10:12
  Speaker 3: Your four oh one k. Now they take away three
• 10:14
  Speaker 3: percent if you put money in, they just they just
• 10:18
  Speaker 3: grab more back from you.
• 10:19
  Speaker 2: Oh yeah yeah, but then again that's iHeart here and
• 10:22
  Speaker 2: that's KFI.
• 10:24
  Speaker 4: I've heard of that, but it's.
• 10:25
  Speaker 2: Yeah, well yeah, look at it. Look at the paycheck
• 10:27
  Speaker 2: and you'll see what I'm talking about. But more and
• 10:29
  Speaker 2: more companies are getting away from a four to oh
• 10:33
  Speaker 2: one k's because it is real money. If you talk
• 10:35
  Speaker 2: about you know, thousands and thousands of employees and the
• 10:39
  Speaker 2: money and the company isn't doing as well as it
• 10:41
  Speaker 2: should or is not growing as well as it should.
• 10:44
  Speaker 2: That is a lot of money for them to give you.
• 10:48
  Speaker 2: But always take advantage of it.
• 10:50
  Speaker 4: Always were always more small business is actually offering foural
• 10:54
  Speaker 4: one k's now because it's actually gotten a lot easier
• 10:58
  Speaker 4: from a paperwork perspective, and the cost got to have
• 11:01
  Speaker 4: dropped dramatically. So there are just some new fintech players
• 11:04
  Speaker 4: out there that make it so much easier for small
• 11:06
  Speaker 4: businesses to like a betterment or guideline to offer if
• 11:11
  Speaker 4: you got eight or ten employees and you want to
• 11:13
  Speaker 4: offer that perk because you want to be competitive and
• 11:15
  Speaker 4: find the best people and keep the best people. They
• 11:17
  Speaker 4: make it easy to do that, which is cool. It'll
• 11:20
  Speaker 4: be interesting to see how this plays out. This this
• 11:22
  Speaker 4: you know this without three thousand dollars from the federal government.
• 11:25
  Speaker 4: I'm curious. I'll keep my eyes on it. But uh,
• 11:28
  Speaker 4: it's it's definitely for a lot of people who work
• 11:29
  Speaker 4: for themselves. I know it's an exciting proposition.
• 11:33
  Speaker 2: Now, you just basically told me I was wrong when
• 11:36
  Speaker 2: I said companies are getting giving four oh one K
• 11:39
  Speaker 2: plans less and you're saying that they're giving more.
• 11:42
  Speaker 3: So you've called me on it.
• 11:44
  Speaker 4: Yeah, I don't think that.
• 11:45
  Speaker 3: Yeah we won't.
• 11:46
  Speaker 2: Yeah, we won't be doing that again. Okay, that's not
• 11:50
  Speaker 2: the way this the show works, right, Joe, So great,
• 11:54
  Speaker 2: Bill handle there, you are well well said, thank you sir.
• 11:57
  Speaker 2: All right, Joel, take care of yourself. All right, we'll
• 12:01
  Speaker 2: talk again, okay. In the meantime, a lawsuit against the
• 12:05
  Speaker 2: Post Office where the Supreme Court said, no, you can't sue. Now,
• 12:11
  Speaker 2: at first glance, he seems kind of ridiculous. There is
• 12:17
  Speaker 2: a woman who has several houses in the Dallas area
• 12:23
  Speaker 2: and she rents out rooms and she alleges that the
• 12:26
  Speaker 2: post office straight out refused to deliver mail for two years,
• 12:32
  Speaker 2: just wouldn't deliver it. And she says they withheld they
• 12:35
  Speaker 2: did this deliberately as a form of racial harassment, that
• 12:41
  Speaker 2: they had a problem the postmaster there had a problem
• 12:43
  Speaker 2: with a black person renting to a white person. And
• 12:48
  Speaker 2: what she asks for is money. You gotta pay me,
• 12:53
  Speaker 2: and therefore I want to sue. And the lower court
• 12:58
  Speaker 2: said no, Appeals court said no. And now up comes
• 13:04
  Speaker 2: the Supreme Court also saying no. And you go, wait
• 13:07
  Speaker 2: a minute, I mean, straight out, the court didn't even
• 13:10
  Speaker 2: give her a chance to argue the lawsuit, saying it
• 13:16
  Speaker 2: doesn't matter if it's racially motivated, even if the post
• 13:20
  Speaker 2: office did not deliver mail, because they are racist, and
• 13:25
  Speaker 2: because that is the sole reason can't sue. You can't
• 13:30
  Speaker 2: sue because you look at the laws that affect the
• 13:33
  Speaker 2: post Office and the decisions and the statutes. It says
• 13:39
  Speaker 2: that the Postal Service cannot be sued for intentionally not
• 13:44
  Speaker 2: delivering the mail and sent the case back to.
• 13:46
  Speaker 3: The lower court.
• 13:48
  Speaker 2: What is that about, Well, it has to do with
• 13:52
  Speaker 2: when you can sue the government and you can't. The
• 13:56
  Speaker 2: Clarence Thomas, who wrote the opinion no shot, no sho there,
• 14:00
  Speaker 2: said there are times when you can sue the post Office.
• 14:04
  Speaker 2: And let me give you an example, and I'm just
• 14:06
  Speaker 2: pulling this out of my rear end. For example, you
• 14:09
  Speaker 2: go to the post office and they have shelving and
• 14:12
  Speaker 2: the shelving breaks and hits you on the head and
• 14:14
  Speaker 2: causes injury. You could probably sue the post Office for that,
• 14:18
  Speaker 2: but in their job of delivering mail, they can't be sued.
• 14:24
  Speaker 3: That's it. That's what the court said.
• 14:26
  Speaker 2: If you look at the decisions, you look at the statutes.
• 14:31
  Speaker 2: And that was really strange because a federal district court
• 14:36
  Speaker 2: back in twenty twenty three, the first argument this couldn't
• 14:40
  Speaker 2: sue because she said, because the court said district court,
• 14:44
  Speaker 2: lower court, federal law protects the Postal Service from claims
• 14:48
  Speaker 2: arising out of lost, miscarriage or negligent transmission of letters
• 14:54
  Speaker 2: or postal matter. You go wow, and they're saying that's
• 14:58
  Speaker 2: within the definition purposely not delivering mail because of racial discrimination.
• 15:09
  Speaker 2: Now it had to do with proving it. I mean,
• 15:12
  Speaker 2: if the court said you go ahead and you're allowed
• 15:14
  Speaker 2: to sue, then it's question of fact. Did they discriminate,
• 15:17
  Speaker 2: did they not? Was there another reason and you have
• 15:19
  Speaker 2: a case? The court said, nope, can't even go there
• 15:23
  Speaker 2: because the Postal Service is immune from those lawsuits. And
• 15:28
  Speaker 2: one of the arguments is the lawyer for this woman
• 15:31
  Speaker 2: said that, Well, the lawyer for the government said, we
• 15:39
  Speaker 2: deliver three hundred million pieces of mail per day, and
• 15:44
  Speaker 2: if these accusations could be made and they were allowed
• 15:48
  Speaker 2: to go to trial, we would be inundated, inundated with
• 15:52
  Speaker 2: these kinds of lawsuits. The lawyer for the woman said, well,
• 15:56
  Speaker 2: look at look at the number. Look at the number
• 15:59
  Speaker 2: of lawsuits that have been filed even before this decision
• 16:03
  Speaker 2: for this kind of action, not very many. And the
• 16:08
  Speaker 2: Postal Service get sued constantly, as you can imagine. I
• 16:11
  Speaker 2: mean they're in every little town. I mean there's no
• 16:13
  Speaker 2: place in America where the post Office does not deliver.
• 16:18
  Speaker 2: I mean they deliver mail in the Grand Canyon down
• 16:21
  Speaker 2: at the bottom by mule, literally by mule, that is
• 16:25
  Speaker 2: how they deliver mail. And there are places up in
• 16:27
  Speaker 2: Alaska where they have to fly in because there's no
• 16:31
  Speaker 2: other way or barge or dog sled or whatever.
• 16:35
  Speaker 3: But they still deliver to every single address.
• 16:37
  Speaker 2: In America, and you think there's gonna be a lawsuit
• 16:39
  Speaker 2: or two three hundred million pieces.
• 16:42
  Speaker 1: I was surprised to hear that they could literally that
• 16:45
  Speaker 1: they don't have to deliver to you at all. They
• 16:48
  Speaker 1: just have delivered to the post office where.
• 16:50
  Speaker 3: Well, it depends on that. That's another thing. Dog, that's
• 16:55
  Speaker 3: a good point.
• 16:56
  Speaker 2: And how about this, we deliver to a post office
• 17:00
  Speaker 2: and a post box. Now my post box, right, my
• 17:05
  Speaker 2: mailbox is down the street and it's one of those
• 17:09
  Speaker 2: community where I have my own little safety posit box
• 17:12
  Speaker 2: kind of thing, and I have to walk two hundred yards.
• 17:17
  Speaker 2: How about when you have to drive two miles. Yeah,
• 17:20
  Speaker 2: they can do that, but they have to deliver. So anyway,
• 17:23
  Speaker 2: for those of you that work for the post office,
• 17:27
  Speaker 2: if you deliver mail and you don't like, if you
• 17:30
  Speaker 2: are a racist, feel free enjoy yourself, all right, raw
• 17:35
  Speaker 2: names for groups of animals.
• 17:36
  Speaker 3: I love this.
• 17:37
  Speaker 2: It's a parlor game that I just love. And I'm
• 17:40
  Speaker 2: gonna throw this at you that is right here on
• 17:44
  Speaker 2: the show. Now, there are a few things we do know.
• 17:47
  Speaker 2: We know that it's a pod of whales. We know
• 17:50
  Speaker 2: that it is a herd of what else? Heard of stuff?
• 17:56
  Speaker 3: What's the herd? I just.
• 17:59
  Speaker 2: Yeah, I guess, yeah, yeah, my mind just blank for
• 18:02
  Speaker 2: a moment. And then there's some really strange ones that
• 18:05
  Speaker 2: I've told you about, and that is, for example, giraffes.
• 18:10
  Speaker 2: It's either a tower or a Johnny Tower being a
• 18:12
  Speaker 2: giraft standing still, Johnny being a running giraffes. A crush
• 18:17
  Speaker 2: of rhinoceros. We've talked about that. A bank of a
• 18:21
  Speaker 2: bank of jews. We know that that's an easy one.
• 18:25
  Speaker 2: Now I'm going to throw some to you that are
• 18:28
  Speaker 2: just fantastic badgers.
• 18:31
  Speaker 3: Just throw it out if you know.
• 18:33
  Speaker 1: We don't need those stinkings right.
• 18:35
  Speaker 2: A seat or a set. Bass is a shoal. Beaver's
• 18:42
  Speaker 2: a colony that makes sense. Buffalo is a gang or
• 18:48
  Speaker 2: an obstinacy, which is really interesting.
• 18:51
  Speaker 3: Camel's are a caravan.
• 18:52
  Speaker 2: We know about that, but there are some really interesting
• 18:56
  Speaker 2: weird ones. Cheetahs a coalition of cheetah clams, a bed
• 19:04
  Speaker 2: I talked about. Cobras, a quiver of cobras. Cranes, a
• 19:11
  Speaker 2: sedge crocodiles. I don't know, it's a sed just cranes,
• 19:17
  Speaker 2: a group of cranes. Craning around.
• 19:19
  Speaker 1: I just I just saw all Kno's going to the Google.
• 19:24
  Speaker 2: Yeah, and crocodiles a float or a basque. Dolphins we
• 19:30
  Speaker 2: know that's about a pod.
• 19:31
  Speaker 3: Got it? Doves a duel of doves.
• 19:36
  Speaker 2: D u l e Eagles that's this one's for amy.
• 19:41
  Speaker 2: A convocation, A con convocation of eagles. Uh, that is
• 19:48
  Speaker 2: kind of neat.
• 19:49
  Speaker 1: A malaprops of handles, Yes, a.
• 19:51
  Speaker 2: Malaprop of handles. That's absolutely true. Uh, there are some
• 19:55
  Speaker 2: wonderful ones. EMUs. EMUs are either a mob or insurance agents.
• 20:05
  Speaker 2: Falcons are a cast, ferrets a business or a peesniing
• 20:13
  Speaker 2: that's really weird. Finches a charm, flamingos a stand or
• 20:18
  Speaker 2: flamboyants of flamingos. Flies are a swarm, hatch or business,
• 20:26
  Speaker 2: or a malaria of flies.
• 20:29
  Speaker 3: That's nutrue. That's nice. A malaria of flies.
• 20:31
  Speaker 2: Yeah, great, ye doesn't it. Gnats are a cloud.
• 20:36
  Speaker 3: Makes sense.
• 20:38
  Speaker 2: Gold finches are a charm. Greyhounds are a leech. Grasshoppers
• 20:47
  Speaker 2: this one makes sense. To a cloud of grasshoppers. Hippopotami
• 20:55
  Speaker 2: a bloat or a thunder. A lot of them makes
• 20:58
  Speaker 2: make a lot of sense. Owls are a parliament peacock.
• 21:03
  Speaker 3: Does that make sense?
• 21:04
  Speaker 2: Peacocks are an ostentation of peacocks. Lemmurs or lemurs another
• 21:14
  Speaker 2: group of insurance agents. Leopards are a leap, right, isn't
• 21:21
  Speaker 2: that great?
• 21:22
  Speaker 3: Yeah? It's that great? That Yeah, a leap. That's the
• 21:24
  Speaker 3: Christmas song, you know, A leap of less, A leap
• 21:27
  Speaker 3: of less. Yeah.
• 21:29
  Speaker 2: Magpies a tiding or a tittering manatees And this makes sense?
• 21:34
  Speaker 3: Uh an aggregation.
• 21:37
  Speaker 2: Moles, moles a labor a cancer of moles. I guess
• 21:43
  Speaker 2: that man Porcupines are a prickle. See a lot of
• 21:47
  Speaker 2: these are very logical. Raccoons a gaze. Rattlesnakes. Rattlesnakes are
• 21:55
  Speaker 2: a rumba.
• 21:57
  Speaker 3: I don't know where they got down. Ravens morocas.
• 22:01
  Speaker 2: Ravens are an unkindness. It just goes on and on.
• 22:06
  Speaker 2: I mean, I love these and we're done. I should
• 22:08
  Speaker 2: do two segments.
• 22:08
  Speaker 3: I shouldn't say three. I don't know who comes up.
• 22:11
  Speaker 1: With these, but that loves ravens and crows. How come
• 22:13
  Speaker 1: they get an unkind because they attack and eat jack
• 22:18
  Speaker 1: in shadows eggs.
• 22:19
  Speaker 3: There you go, they're hungry.
• 22:21
  Speaker 2: Yeah, Jackie and Shannon's Jackie and the shadows okay, jack No,
• 22:28
  Speaker 2: Jackie and shadows.
• 22:30
  Speaker 3: Eggs are an omelet. Okay, we're done, an omelet of eggs. Yes, okay,
• 22:38
  Speaker 3: we're done. Heart of Gold.
• 22:40
  Speaker 2: Amy is not laughing strangely enough. All right, Tomorrow morning,
• 22:44
  Speaker 2: it's moron or a boron either way. Words, all right,
• 22:52
  Speaker 2: Jerry and Shannon up next tomorrow. We're gonna have a
• 22:55
  Speaker 2: ball tomorrow at eight o'clock. Of course, it's a foody fry,
• 23:00
  Speaker 2: and at eight thirty it task candle anything, so enjoy.
• 23:04
  Speaker 2: We'll catch you in the morning. KF I am six forty.
• 23:08
  Speaker 3: You've been listening to the Bill Handle Show.
• 23:09
  Speaker 2: Catch My Show Monday through Friday, six am to nine am,
• 23:13
  Speaker 2: and anytime on demand on the iHeartRadio app.