Latest / The Bill Handel Show / ‘How to Money’ with Joel Larsgaard | Community: The Art of Serving

Transcript

‘How to Money’ with Joel Larsgaard | Community: The Art of Serving · The Bill Handel Show

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  Speaker 1: You're listening to Bill Handle on demand from kf I
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  Speaker 2: Good Thursday morning to you, Neil Savada in the morning Crube,
• 0:28
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• 0:52
  Speaker 2: have last left nice things about the show today. Always
• 0:55
  Speaker 2: happy to be here with you, and I don't take
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  Speaker 2: it lightly. We'll get to Joel in a moment. I
• 1:00
  Speaker 2: want to remind you. Beach Live Festival is back this
• 1:03
  Speaker 2: year at Redondo Beach, Redonde, May one through the third,
• 1:09
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• 1:18
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• 1:23
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• 1:26
  Speaker 2: official audio partner for Beach Life Festival. Twenty twenty six,
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  Speaker 2: I'll be broadcasting line from that event as well. Good morning,
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  Speaker 2: Joel Larsgard. Uh, hi, Neil, How are you? I'm fine?
• 1:41
  Speaker 2: How are you? I'm great? I didn't surprise you, did
• 1:44
  Speaker 2: I wake you? You did? I was like, wait, oh hey,
• 1:47
  Speaker 2: how's it going. Of course, you can hear Joel Larsgard
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  Speaker 2: on how to Money Sunday noon to two, great show,
• 1:54
  Speaker 2: and you can find him at how to Money Joel.
• 1:58
  Speaker 2: The website is out of money dot com? All right?
• 2:03
  Speaker 2: Credit card rewards and all those games people play about
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  Speaker 2: optimization and all of those things, are they to our benefit?
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  Speaker 2: Do you jump around? Do you find the best deals?
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  Speaker 2: Do you how do you manage credit cards to get
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  Speaker 2: the best out of them outside of the fact that
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  Speaker 2: you're using well them for credit? Yeah?
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  Speaker 3: So I think that this question, the answer to this question,
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  Speaker 3: has gotten much more complicated in the last couple of
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  Speaker 3: years in particular, and I like in the years past,
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  Speaker 3: I've been a big fan of and I still i'm
• 2:37
  Speaker 3: a fan of using credit cards for buying things you
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  Speaker 3: already would have purchased, and paying those balances off on
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  Speaker 3: time and then full at the end of the month,
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  Speaker 3: and receiving whatever rewards and benefits you get. That's an
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  Speaker 3: additional perk, but it's just a good way. Typically, it's
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  Speaker 3: a good method of purchasing things you would have already purchased.
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  Speaker 3: I like it better than debit cards because you're building credit.
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  Speaker 3: There are a lot of reasons I'm down with credit cards.
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  Speaker 3: But then again, you look at the vast majority or
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  Speaker 3: half of Americans who have credit cards don't handle them
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  Speaker 3: in that way, and they should probably cool it.
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  Speaker 2: But when we're.
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  Speaker 3: Talking about rewards and optimizing rewards, it's just gotten so
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  Speaker 3: much more complicated, right, so the hoops you have to
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  Speaker 3: jump through in order to get the actual benefit that
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  Speaker 3: the credit card companies are headlining and saying that you
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  Speaker 3: can get, Oh man, open this credit card. It's got
• 3:23
  Speaker 3: this fairly low annual fee. But look at all these
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  Speaker 3: perks we're going to give you the problem is that
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  Speaker 3: some of those perks are harder to get than ever,
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  Speaker 3: and people are signing up based on, oh, there's a
• 3:33
  Speaker 3: decent sign up bonus, and then it looks like I'm
• 3:35
  Speaker 3: going to start I'm going to beginning ongoing rewards that
• 3:38
  Speaker 3: are substantial, and then they find out based on how
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  Speaker 3: they spend actually the juice isn't quite worth the squeeze.
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  Speaker 3: So I think for a lot of people, more basic
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  Speaker 3: credit cards, something like a two percent cash back card.
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  Speaker 3: Credit cards that have lower stakes. I'm thinking of if
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  Speaker 3: you're a Costco member. Costco is no annual fee, right,
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  Speaker 3: it's like the five percent back on gas and the
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  Speaker 3: additional three percent for travel two percent at Costco. Like,
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  Speaker 3: I like kind of more basic cards, partly because just
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  Speaker 3: the hustle gets a little intense.
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  Speaker 2: Yeah, jumping around, I have I think I only have
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  Speaker 2: one credit card? Me think now my wife probably has
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  Speaker 2: more I have. I think I have one. There's only
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  Speaker 2: one that I use, and it's got like an eight
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  Speaker 2: percent rate on it, which is unheard from a credit union.
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  Speaker 2: Then yeah, it's a credit union. Okay, Premiere America for
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  Speaker 2: those that are curious. And I've loved them. I've been
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  Speaker 2: with them for a year, but years, bought many cars.
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  Speaker 2: I actually purchased a car once through them, got a
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  Speaker 2: loan for a used car at less than two percent.
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  Speaker 2: It was the freest money I've ever used. Wow for real? Yeah, right,
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  Speaker 2: So I you know, I I think, like you that
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  Speaker 2: doctor once told me toxicity is in the dose and
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  Speaker 2: like and I hear that a lot from what the
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  Speaker 2: advice you give. Credit cards can be great, but they
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  Speaker 2: can also be you know, a lead ball around you
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  Speaker 2: if you don't use them right, those kind of you know,
• 5:15
  Speaker 2: things that come out all the time like that. Let's
• 5:17
  Speaker 2: say you go to a home depot or you go
• 5:18
  Speaker 2: to a store. Are those seem like the ones that
• 5:22
  Speaker 2: might be? And I name two stores, but those might
• 5:24
  Speaker 2: be problematic because of the you know, Tyson's store. And
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  Speaker 2: I've always been told, no, you end up they're not
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  Speaker 2: as good as using just a regular credit card. Is
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  Speaker 2: that true? Yes?
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  Speaker 3: I don't like store cards very much because they're they're
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  Speaker 3: really you know, you might get a ten percent discount
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  Speaker 3: right or twenty bucks off or something like that of
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  Speaker 3: your purchase, and it's just it's just not worth it because.
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  Speaker 2: The rewards are super weak. You'd be better off.
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  Speaker 3: Going with a traditional credit card that's going to offer
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  Speaker 3: ongoing perks that you can use anywhere. I think the
• 5:59
  Speaker 3: exceptions to that rule are like the Amazon storecard and
• 6:04
  Speaker 3: the Target Store card, because those, if you are regularly
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  Speaker 3: buying things there, they're both no annual fee credit cards
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  Speaker 3: and you can get five percent back on every purchase.
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  Speaker 3: You make at either one of those stores, and so
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  Speaker 3: if you're you know, hey, this a lot of my
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  Speaker 3: shopping happens at.
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  Speaker 2: One of those two places.
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  Speaker 3: I think those cards are the exception to that store
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  Speaker 3: card rule that I mean, not loving them. I think
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  Speaker 3: the other thing, too, is you have to kind of
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  Speaker 3: know yourself, like how complicated are you willing to make things?
• 6:29
  Speaker 3: Are you going to cancel that card? If you're like, oh,
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  Speaker 3: wait a second, I think I think it'll work for
• 6:35
  Speaker 3: a year the bonus, and maybe i'll because I'm doing
• 6:38
  Speaker 3: some renovation to my home or something like that, then
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  Speaker 3: this card makes sense for me for the time being. Well,
• 6:43
  Speaker 3: you're going to cancel it when it no longer makes sense.
• 6:45
  Speaker 3: Or let's say you sign up for an airline specific
• 6:48
  Speaker 3: credit card, is it actually taking you down the path
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  Speaker 3: of being more loyal to an airline that you otherwise
• 6:55
  Speaker 3: would have gotten a better deal by buying tickets through
• 6:59
  Speaker 3: a different for that next trip you're going to take.
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  Speaker 3: And yet you because you had the credit card, you
• 7:05
  Speaker 3: felt like you were looped into the system and you overpaid.
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  Speaker 3: So there's all sorts of, like you know, idiosyncratic ways
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  Speaker 3: that you can use the credit card system to your advantage,
• 7:14
  Speaker 3: and then there's all these ways where you can especially
• 7:17
  Speaker 3: if you are not paying attention. Like I literally had
• 7:21
  Speaker 3: an email from a listener this week he created a
• 7:23
  Speaker 3: website to help him track all of his credit card
• 7:27
  Speaker 3: spending and his bonuses and the annual fees and when
• 7:29
  Speaker 3: that annual fee is coming up, what I'm trying to
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  Speaker 3: say is it gets a little complicated, and if you're
• 7:33
  Speaker 3: not on top of it, it can come back to
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  Speaker 3: bite you, all.
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  Speaker 2: Right, So I get this question all the time, Joel
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  Speaker 2: about the mocktails. Of course, we're in dry January and
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  Speaker 2: people you'd think are going to save money by not
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  Speaker 2: drinking a cocktail with alcohol. So I laughed when I
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  Speaker 2: saw this on the rundown this morning, because as you know,
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  Speaker 2: mocktails aren't cheap. No, no, not at all.
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  Speaker 3: And it is one of those things where you're like, oh,
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  Speaker 3: dry January, it's gonna you know one, it's gonna be healthier,
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  Speaker 3: Maybe get some better sleep, give myself a break, especially
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  Speaker 3: after our holidays. If you ever did it, and then
• 8:13
  Speaker 3: you're like, and on top of that, I all to say,
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  Speaker 3: some money. And there was this study that was just
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  Speaker 3: done about like the price gap between cocktails and mocktails,
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  Speaker 3: And man, I've noticed this too when I go out,
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  Speaker 3: I'm like, how come the mocktail, the non alcoholic version
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  Speaker 3: of this drink is like twelve dollars and an alcoholic
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  Speaker 3: version is fourteen dollars. I mean, the gap is pretty insignificant.
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  Speaker 3: And so yeah, being sober dry January, if you're still
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  Speaker 3: opting for those expensive mocktails, is just not going to
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  Speaker 3: move the needle very much in terms of saving money.
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  Speaker 2: Now from the food aspect of things, because I asked
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  Speaker 2: this as well, how come they're still so expensive? One,
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  Speaker 2: they still need to be mixed, they need to be
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  Speaker 2: created in a smart manner. You're putting together ingredients. But
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  Speaker 2: what a lot of people don't think is they assume
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  Speaker 2: that the alcohol, which is usually the most expensive part
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  Speaker 2: of the drink, that removing the alcohol is going to
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  Speaker 2: save on the drink. But it's not necessarily true because
• 9:14
  Speaker 2: they're using zero ABV whiskeys, which are whiskey and that
• 9:22
  Speaker 2: have another step to them in an already long line
• 9:25
  Speaker 2: of steps where they have to remove the alcohol from
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  Speaker 2: that beverage, which is costly. And two, if they're removing
• 9:34
  Speaker 2: that as an ingredient, they're often adding ingredients that are
• 9:37
  Speaker 2: similar and expense to make the cocktail taste good and
• 9:43
  Speaker 2: be layered and things like that. So it's not necessarily
• 9:46
  Speaker 2: oh they're still trying to gouge you. If it's being
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  Speaker 2: done properly, you're still getting very good ingredients in there
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  Speaker 2: that costs money as it is.
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  Speaker 3: So Yeah, like the non alcoholic versions of chin whiskey
• 10:00
  Speaker 3: whatever it is there, you know, similar price to like
• 10:03
  Speaker 3: a mid tier level beverage, right if.
• 10:06
  Speaker 2: You were to buy the bottle, and sometimes more expensive.
• 10:08
  Speaker 2: Now you like beers, do you ever do you ever
• 10:11
  Speaker 2: go and have a like a non alcohol like near
• 10:14
  Speaker 2: beer and getting a fake fight, you and Matt, you
• 10:16
  Speaker 2: guys go out and just I.
• 10:18
  Speaker 3: Have tried a few non alcoholic beers, and I finally
• 10:21
  Speaker 3: had the first one that I actually thought was good.
• 10:24
  Speaker 3: It was from this small berry in North Carolina, and
• 10:27
  Speaker 3: I was like, that's that's actually a pretty good non
• 10:30
  Speaker 3: alcoholic I pa. But for the most part, I feel like,
• 10:32
  Speaker 3: I don't know, there's like an off putting flavor or
• 10:34
  Speaker 3: it just doesn't quite taste right to me. I guess
• 10:37
  Speaker 3: I could, you know, my taste buds could get accustomed
• 10:39
  Speaker 3: to it over time. If I wanted to, but I just,
• 10:41
  Speaker 3: I just I would rather drink better stuff and drink less.
• 10:44
  Speaker 3: Often do you get buzzy?
• 10:47
  Speaker 2: What do you mean? Like like if I have a
• 10:49
  Speaker 2: few beers? Yeah? Sure, okay, so you get buzzy every
• 10:52
  Speaker 2: once in a while. Yeah, ever get crap faced? Just like,
• 10:57
  Speaker 2: screw it. I'm going on Amazon and A and stuff.
• 11:01
  Speaker 2: Bring TIMU up, let's do this. I just start spending.
• 11:05
  Speaker 3: Dude, I run so much now that like it's it
• 11:08
  Speaker 3: makes me. I drink less because of it, because I'm like,
• 11:10
  Speaker 3: if I'm gonna wake up the next morning and try
• 11:13
  Speaker 3: to go run for six miles, like I can't drink
• 11:15
  Speaker 3: four beers tonight.
• 11:16
  Speaker 2: Well you're much younger than I am. But I will
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  Speaker 2: tell you that the reason why I asked you that
• 11:20
  Speaker 2: is because I love the flavor of a good cocktail.
• 11:24
  Speaker 2: I love mixing them even more than drinking them. There's
• 11:26
  Speaker 2: something about all the things that come with it and
• 11:30
  Speaker 2: going through it and the clear ice and all that
• 11:32
  Speaker 2: stuff that's fun. But I gotta tell you it's it's
• 11:36
  Speaker 2: not as fun. Like you know, getting a buzz from
• 11:40
  Speaker 2: beer is one thing because you can sip them for
• 11:42
  Speaker 2: long period of the cocktail you kind of are at
• 11:45
  Speaker 2: the bottom of the glass sooner than you are for
• 11:47
  Speaker 2: a beer. But I was just asking because I'm like,
• 11:50
  Speaker 2: I wonder what Joel's like when he's had a couple
• 11:53
  Speaker 2: of pops. If he's like, uh, well buy you necklace, baby,
• 11:58
  Speaker 2: like intention on and it's not, Yeah, I feel a
• 12:02
  Speaker 2: little spende Joel gets spendy what he's doing. I just cares. Man,
• 12:07
  Speaker 2: I'm all for a good cocktail.
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  Speaker 3: By the way, that is, I'm with you, but I
• 12:11
  Speaker 3: agree like you you're to the bottom, especially if it's
• 12:13
  Speaker 3: like fourteen fifteen dollars, You're at the bottom of the
• 12:15
  Speaker 3: glass pretty quick.
• 12:15
  Speaker 2: And you're like, well, was that worth it.
• 12:17
  Speaker 3: I've been making more at home and Neil, I've I've
• 12:21
  Speaker 3: just read a book about like the history of rum
• 12:24
  Speaker 3: oh yea fascinating and now I'm like on a rum keck.
• 12:27
  Speaker 3: So so I'm making rum cocktails at home. That's that's that's
• 12:30
  Speaker 3: my goal this year is to like make some delicious
• 12:32
  Speaker 3: rum cocktails and enjoy them at home.
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  Speaker 2: There's a great book called Cocktail Ratios by Michael Rohlman.
• 12:40
  Speaker 2: He also wrote a book called Ratios about cooking and
• 12:43
  Speaker 2: how everything in baking and cooking comes down to ratios
• 12:46
  Speaker 2: of certain ingredients. The specs is what they call recipes
• 12:51
  Speaker 2: for cocktails. The specs on a cocktail are built upon ratios.
• 12:55
  Speaker 2: You have a one to one to one ratio, you
• 12:57
  Speaker 2: have a one to two ratio, you have all these.
• 12:59
  Speaker 2: It's a rate read to understand how to build a
• 13:02
  Speaker 2: cocktail and understanding how they balance out. Okay, from me
• 13:07
  Speaker 2: to you. And then when you're in town next time.
• 13:08
  Speaker 2: My brother Craig, he and his husband have a full
• 13:13
  Speaker 2: working speakeasy in their home like legit. And so when
• 13:20
  Speaker 2: you're in town, uber your ass over or ride a
• 13:23
  Speaker 2: bike or run or whatever you do to save money,
• 13:26
  Speaker 2: I don't know, and it will get you in there
• 13:28
  Speaker 2: with the morning over there. Yeah, it'll be fun, all right, Joel.
• 13:33
  Speaker 2: You know little Buzzy Lars Guard how to Money Sunday
• 13:37
  Speaker 2: noon to two. You can find him how to Money, Joel,
• 13:41
  Speaker 2: if you're going to write him or Howdomoney dot com.
• 13:43
  Speaker 2: Thanks buddy, always nice to talk to you. Yeah, same agreed.
• 13:46
  Speaker 2: Thanks Neil Newsum, it's back in the news. Don't know.
• 13:51
  Speaker 2: I can't take that guy seriously. I will tell you,
• 13:55
  Speaker 2: and like I said, I will I just give my opinion.
• 13:59
  Speaker 2: I do not along tie either party anymore. I think
• 14:03
  Speaker 2: they're both necessarily they both have good and they both
• 14:05
  Speaker 2: have bad. But some guy wrote or sent a message
• 14:12
  Speaker 2: one time on the talk back and says, you always
• 14:15
  Speaker 2: say you don't lean one way or the other. That's
• 14:17
  Speaker 2: not true. That's impossible. I personally don't lead towards one side,
• 14:23
  Speaker 2: but of course I'm going to lead towards one or
• 14:25
  Speaker 2: the other depending on the issue. Does that make sense?
• 14:29
  Speaker 2: Let me explain to you, Kono. I'll talk slow. If
• 14:34
  Speaker 2: let's say there is an issue that is a big
• 14:38
  Speaker 2: Republican issue and I happen to agree with it, then
• 14:41
  Speaker 2: I'm leaning on that side on that issue. And then
• 14:44
  Speaker 2: if there's a Democrat issue that I agree with as
• 14:47
  Speaker 2: an issue, then I'm on that side. So yeah, I'm
• 14:50
  Speaker 2: going to lean one way or the other. But it's
• 14:52
  Speaker 2: not based on the R or the D. It's based
• 14:54
  Speaker 2: on the content of the issue. It's called reason. I'll
• 14:59
  Speaker 2: explain it late AnyWho. Newsom, at the very beginning of COVID,
• 15:10
  Speaker 2: I thought he was the most presidential. Quite honestly, I
• 15:13
  Speaker 2: don't think Trump handled it very well, but I thought
• 15:15
  Speaker 2: Newsom did. At first. He seemed to take it seriously
• 15:19
  Speaker 2: and say this was a current concern. The minute he
• 15:22
  Speaker 2: shut down California. I had a problem with him. I
• 15:25
  Speaker 2: thought that was unreasonable. So to be fair, I have
• 15:29
  Speaker 2: issues with Newsom from time to time and again hard
• 15:32
  Speaker 2: to take him serious. But he went, you know, he's
• 15:37
  Speaker 2: the governor of California. It's huge. We always say, what
• 15:41
  Speaker 2: is it like, the fifth largest economy. It's a massive.
• 15:46
  Speaker 2: We have a beautiful state here. It's run pitifully the
• 15:50
  Speaker 2: vast majority of the time on local and on the
• 15:53
  Speaker 2: state level. So he says, the Trump administration yesterday canceled
• 15:59
  Speaker 2: his appearance. What was no, No, Yes, Wednesday, they canceled
• 16:08
  Speaker 2: his appearance at Davos, and that they're in Switzerland as
• 16:12
  Speaker 2: a World Economic forum, all of these things. He was
• 16:15
  Speaker 2: denied entry on Wednesday. He had planned what he calls,
• 16:19
  Speaker 2: you know, the famous fireside chat with an editor for
• 16:24
  Speaker 2: the media outlet Fortune. Now this is at the US House.
• 16:27
  Speaker 2: It's an American venue that uses, you know, for forum
• 16:31
  Speaker 2: and all this stuff. I don't know the politics in
• 16:35
  Speaker 2: here and how it was shut down. Do I do
• 16:37
  Speaker 2: I put it past Trump and his coronies. No. I
• 16:43
  Speaker 2: think it's one thousand percent believable that Trump shut it down.
• 16:47
  Speaker 2: But that's not my issue with this. My issue is
• 16:52
  Speaker 2: what is it about politicians, local politicians on the state level,
• 16:58
  Speaker 2: on the local level, that makes them want to put
• 17:01
  Speaker 2: their stupid face in every global issue. Do I think
• 17:07
  Speaker 2: we are responsible to others? Yeah? Globally, yeah, everybody plays
• 17:13
  Speaker 2: a part, But I don't want somebody. It's like a
• 17:17
  Speaker 2: father who can't doesn't provide for his own family, the
• 17:22
  Speaker 2: needs of his wife or partner, the needs of his
• 17:27
  Speaker 2: own house, and then wants to go and oversee the
• 17:31
  Speaker 2: hoa for the town or something. It's like, mind your
• 17:37
  Speaker 2: house first. So we've got all these local politicians that
• 17:41
  Speaker 2: aren't doing a damn thing for us, that aren't where
• 17:44
  Speaker 2: they're constituents. Whether it's best going to Ghana and focusing
• 17:51
  Speaker 2: on those things. When she said she was never that
• 17:53
  Speaker 2: was what she was going to miss most about being
• 17:55
  Speaker 2: there is having to be local because her predecessor, Eric
• 18:00
  Speaker 2: was never to be seen. He was never around, sure
• 18:03
  Speaker 2: when there was a victory lap or the king's won
• 18:07
  Speaker 2: or something like that, baby, but never around for the
• 18:10
  Speaker 2: day to day. And Newsom's doing the same thing. And
• 18:13
  Speaker 2: I realize they're always courting something better, and it makes
• 18:21
  Speaker 2: you feel like that person at the party talking to
• 18:24
  Speaker 2: somebody and they're always looking over your shoulder to see
• 18:26
  Speaker 2: if there's someone more interesting to talk to, and you're like, hey,
• 18:31
  Speaker 2: I didn't vote for him, but we got you in office.
• 18:37
  Speaker 2: Focus on us again with the potholes. I'm telling you,
• 18:40
  Speaker 2: I'm very simple, very simple. Provide protection in law enforcement
• 18:47
  Speaker 2: and firefighters. Fill the potholes, make the streets and traffic
• 18:54
  Speaker 2: as easy to deal with as possible. Make the basics,
• 18:57
  Speaker 2: the governmental basics, infrastruct electricity, water clean, easy to get affordable.
• 19:06
  Speaker 2: That's your job. There's nothing worse. When I was a
• 19:10
  Speaker 2: manager here at KFI, and you would get people. I
• 19:14
  Speaker 2: don't mind people having goals and desires, but if you
• 19:17
  Speaker 2: get hired to be a producer, be a producer. Don't
• 19:22
  Speaker 2: you know if you want to be a host someday,
• 19:24
  Speaker 2: I get it, but don't be still do your job.
• 19:30
  Speaker 1: You know.
• 19:31
  Speaker 2: It's like we would get people coming in and it's like, well,
• 19:34
  Speaker 2: I want to be on air. I want to be
• 19:35
  Speaker 2: on air. Okay, great, but there's very few of those positions.
• 19:39
  Speaker 2: We hired you to do this, do that job. And
• 19:43
  Speaker 2: if we can't get that out of politicians, I'm not
• 19:45
  Speaker 2: going to cry big alligator tiars for Newsom getting knocked
• 19:49
  Speaker 2: down by the bigger wing nut angry at him because
• 19:52
  Speaker 2: they're both wing nuts. So I can't shed a tear
• 19:57
  Speaker 2: for Newsome not getting You know, I was once told,
• 20:03
  Speaker 2: don't go sit at the king's table. Go sit somewhere
• 20:06
  Speaker 2: else and let the king invite you. Now, if he
• 20:10
  Speaker 2: had some meeting and he was invited, he was saying
• 20:14
  Speaker 2: he had some meeting. I get it. But you know what,
• 20:17
  Speaker 2: it's a global forum. He's not on the global level yet.
• 20:23
  Speaker 2: Enjoy that if and when you get there, Sir Lord
• 20:27
  Speaker 2: help us if he does. Garian Shannon up next, Nil
• 20:31
  Speaker 2: Savedra and the morning crew here with you. Handle will
• 20:35
  Speaker 2: be back tomorrow. Of course we'll be doing ass handle anything,
• 20:38
  Speaker 2: So get your calls in on the talkback on the
• 20:41
  Speaker 2: iHeartRadio app. Another reminder, Beach Live Festival is back this
• 20:46
  Speaker 2: year at Redondo Beach, May first through the third, returning
• 20:49
  Speaker 2: performances or featured performances by Duran durand the Offspring, James Blunt,
• 20:56
  Speaker 2: Slightly Slightly Stupid, Chromeo, janj and more so. Head to
• 21:01
  Speaker 2: Beachlife Festival dot com for tickets at info kay if
• 21:05
  Speaker 2: I AM six forty, the official audio partner for Beach
• 21:08
  Speaker 2: Life Festival. If you've not been, Holy Hell, it is
• 21:12
  Speaker 2: one of the best concerts I've ever been to. It's
• 21:16
  Speaker 2: on the sand. They've got great food and vibes, very
• 21:21
  Speaker 2: loving group. It just is, I don't know, it's insanely cool.
• 21:25
  Speaker 2: So I will be broadcasting that Saturday. It's just a
• 21:29
  Speaker 2: great time, all right. So I have you know, I
• 21:32
  Speaker 2: love philosophy. I like thinking about things. I don't know
• 21:36
  Speaker 2: if it always plays on the radio, but I was
• 21:38
  Speaker 2: thinking about something. What's that food? Thinking about food? You're
• 21:45
  Speaker 2: funny because I'm fat. I don't know. Do you think
• 21:48
  Speaker 2: about ladders? Dummy? I hope your new cars and a lemon?
• 21:55
  Speaker 2: It's like you, kono no. I was thinking about serving
• 22:00
  Speaker 2: one another, serving one another and taking care of each other. Now,
• 22:04
  Speaker 2: as a person of faith, that's a big deal, is
• 22:07
  Speaker 2: service to one another, you know, being kind to one another.
• 22:09
  Speaker 2: And I started thinking about I saw a story about
• 22:14
  Speaker 2: one more thing that's being automated, or one more thing
• 22:17
  Speaker 2: that's being taken away. And the song I heard in
• 22:22
  Speaker 2: my head was this song from Sesame Street. Oh, who
• 22:29
  Speaker 2: are the people in your neighborhood? In your neighborhood. In
• 22:34
  Speaker 2: your neighbor say, who are the people in your neighborhood?
• 22:40
  Speaker 2: The people that you mean negs day somewhere. Yes, I
• 22:46
  Speaker 2: hope you are young man. You want to sing with me? No,
• 22:51
  Speaker 2: you must be a librarian. Librarian, Okay, look that up here,
• 22:57
  Speaker 2: a librarian.
• 22:58
  Speaker 3: Well, holp you well.
• 23:00
  Speaker 2: Doesn't that saw make you happy? And I thought about
• 23:04
  Speaker 2: how we used to have people in our lives that
• 23:06
  Speaker 2: helped us and served us, and we appreciated them for
• 23:10
  Speaker 2: who they are because they were part of the community
• 23:13
  Speaker 2: that made us a neighborhood. And I know that seems esoteric,
• 23:16
  Speaker 2: but it's not. Think of the breakdown. You go to
• 23:19
  Speaker 2: a full serve gas station back in the day. Now,
• 23:22
  Speaker 2: we didn't stop all together having full serve gas stations
• 23:25
  Speaker 2: all at once, but the shift happened over years and years,
• 23:29
  Speaker 2: and by the nineteen seventies you had all kinds of
• 23:32
  Speaker 2: crazy stuff. So you break down that timeline. Nineteen forty
• 23:34
  Speaker 2: seven was actually the first self serve station opened in
• 23:40
  Speaker 2: Los Angeles, and basically it was offering five cent discount
• 23:44
  Speaker 2: for bumping your own gas and it would say something
• 23:46
  Speaker 2: like white pay more. Nineteen seventies rolls around and you
• 23:50
  Speaker 2: have the oil embargoes nineteen seventy three, nineteen seventy nine,
• 23:54
  Speaker 2: you got these shortages. I remember even as a kid
• 23:56
  Speaker 2: some of the fights breaking out, how you could only
• 23:58
  Speaker 2: go to the gas station if you have what was
• 24:01
  Speaker 2: it with odd or even number or whatever it was
• 24:04
  Speaker 2: on certain days. So then there was the price posting laws.
• 24:08
  Speaker 2: In the seventies, California law required visible price signs. So
• 24:12
  Speaker 2: the industry shifts. Oil companies start looking for more money.
• 24:16
  Speaker 2: So the service you remember, you'd go in Ding Ding,
• 24:21
  Speaker 2: and you'd roll in. They would not only you'd say
• 24:24
  Speaker 2: filler up, Sam or whatever you knew the person's name,
• 24:27
  Speaker 2: they'd fill you up. They'd check your windshel wiper fluid,
• 24:29
  Speaker 2: or they'd wash your windshoe wipers, they'd check your oil.
• 24:32
  Speaker 2: All those things goes away that community, that connection ATMs.
• 24:37
  Speaker 2: Concept for ATMs were first shown in San Francisco nineteen
• 24:41
  Speaker 2: sixty six Wells Fargo, then the California the California branches
• 24:48
  Speaker 2: in nineteen seventy four. They start popping up all over
• 24:50
  Speaker 2: the place, and then all of a sudden, by the
• 24:54
  Speaker 2: late seventies early eighties, the Express stopped for Wells Farg
• 25:00
  Speaker 2: everywhere Now you're not connecting with the teller anymore. You're
• 25:04
  Speaker 2: not saying, hey, Susan, yeah, this is my situation. Here's
• 25:08
  Speaker 2: my check. I need to catch whatever it is. Grocery
• 25:10
  Speaker 2: store self bagging. Self bagging starts. Now you're at self service.
• 25:17
  Speaker 2: So what is this leading to. It's leading to a
• 25:20
  Speaker 2: lack of connection. It's leading to a lack of community
• 25:23
  Speaker 2: and the neighborhood, which is more important than the savings
• 25:27
  Speaker 2: of the money. Had a long conversation with producer and
• 25:31
  Speaker 2: this morning about how every political system or every system
• 25:37
  Speaker 2: of government works at a different scale. I'm a socialist
• 25:41
  Speaker 2: at home. Okay, the money goes to everyone. My son
• 25:47
  Speaker 2: doesn't work, he goes to school. The agreement as we
• 25:49
  Speaker 2: pay for everything. I'm a socialist. You take that outside
• 25:51
  Speaker 2: of the home, it doesn't work anymore. Communism. I'm a
• 25:55
  Speaker 2: communist with my extended family, but outside of that, it
• 25:59
  Speaker 2: doesn't work. And now capitalism is in my view, the
• 26:04
  Speaker 2: best system. However, we've gotten to a place where we've
• 26:07
  Speaker 2: extended past opportunities for small business people, for the local person,
• 26:12
  Speaker 2: and it's grown into the amazons of the world, which
• 26:14
  Speaker 2: I use and then we use them. We get used
• 26:18
  Speaker 2: to the quick, cheap fix, and we are paying for
• 26:22
  Speaker 2: it in the community. Do you know the name of
• 26:27
  Speaker 2: the people that drop off your mail, your mail carriers?
• 26:32
  Speaker 2: Do you know the people at your library? Do you
• 26:34
  Speaker 2: even go anymore? Do you know the people at your
• 26:38
  Speaker 2: post office? And as silly as that sounds, in twenty
• 26:42
  Speaker 2: twenty six, that breakdown has created other problems, and we're
• 26:47
  Speaker 2: paying for it in the structure of the schools and
• 26:50
  Speaker 2: the structure of our everyday lives.
• 26:52
  Speaker 3: You've been listening to the Bill Handle Show, Catch My
• 26:55
  Speaker 3: Show Monday through Friday six am to nine am, and
• 26:58
  Speaker 3: anytime on demand on the iHeartRadio app