Latest / The Bill Handel Show / Most Narcissistic Countries | Myths about Insurance in California

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Most Narcissistic Countries | Myths about Insurance in California · The Bill Handel Show

• 0:01
  Speaker 1: You're listening to Bill Handle on demand from KFI AM
• 0:04
  Speaker 1: six forty. I want to talk about me. I want
• 0:07
  Speaker 1: to talk about I want to talk about Mama.
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  Speaker 2: I am six forty Bill Handle on a Thursday morning,
• 0:15
  Speaker 2: July twenty three.
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  Speaker 1: Man, is it going to be hot? Hot? Hot? Today?
• 0:20
  Speaker 1: The heat wave is here. Lindsay just told me.
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  Speaker 2: Ae hundred degrees here in Orange County and up in
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  Speaker 2: the valley is going to be hot, and Inland Empire
• 0:29
  Speaker 2: it's going to be hotter. And on tomorrow I'm off
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  Speaker 2: to Las Vegas, actually visiting my friend Sable, and we're
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  Speaker 2: going to actually fry eggs on the hood of the car.
• 0:42
  Speaker 2: It's going to be fairly warm there too, Las Vegas
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  Speaker 2: in the go figure, Okay, I want to talk to
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  Speaker 2: you about something that I hear and I always say,
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  Speaker 2: and that has to do with being an exceptionalist, and
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  Speaker 2: I say I am not an exceptionalist when it comes
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  Speaker 2: to the noted States. Because of the bottom line, America
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  Speaker 2: is the greatest country in the world, and there it is.
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  Speaker 2: It's a generic statement that says we're the greatest country
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  Speaker 2: in the world. So you would think that we'd be
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  Speaker 2: at the top of the list as far as narcissism
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  Speaker 2: is concerned, by the way, I do think America is
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  Speaker 2: the greatest country in the world on some levels, because
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  Speaker 2: that question is pretty broad. Are we the greatest country
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  Speaker 2: in the world in terms of our healthcare? Probably not.
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  Speaker 2: How about in terms of our mortality rate? No not,
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  Speaker 2: We're near the top at all. As far as opportunity,
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  Speaker 2: absolutely near the top, if not at the top overall.
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  Speaker 2: As far as the democracy is concerned, you bet we're
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  Speaker 2: up there. And because we are the beacon, we were
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  Speaker 2: the first country on the planet to have a democratic
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  Speaker 2: republic because remember when we were founded. When the country
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  Speaker 2: was founded, there was no democracy anywhere in the world.
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  Speaker 2: It was all kingdoms and dictatorships. So America is an
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  Speaker 2: extraordinary place and we are narcissistic. We are number one. Well,
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  Speaker 2: guess what, we're not number one in terms of narcissistem
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  Speaker 2: You know which country actually is the most exceptionalist. We
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  Speaker 2: are the greatest country in the world. The survey was
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  Speaker 2: just not of course, and the country that is more
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  Speaker 2: we are the greatest country in the world, thinking happens
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  Speaker 2: to be Germany, followed by China, followed by Iran. We
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  Speaker 2: actually place sixteen out of fifty three countries. Those research
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  Speaker 2: done from Michigan State University, where they surveyed forty eight
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  Speaker 2: thousand people across the world to determine how nationality, gender,
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  Speaker 2: perceived social studies fuel narcissistic traits. Is how it's described,
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  Speaker 2: and so we often come up in public discourse around
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  Speaker 2: the world and to ourselves and as an example of narcissism.
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  Speaker 2: Look who we are, and so we might expect us
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  Speaker 2: to be far and away the highest. Now we were
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  Speaker 2: toward the higher end, but we were not at the extreme.
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  Speaker 2: At the extreme were Germany, China, Iran, and we were
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  Speaker 2: well below that.
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  Speaker 1: Now.
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  Speaker 2: The least absorbed absorbed countries that don't think they're the
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  Speaker 2: greatest country in the world were Serbia, Ireland, where everybody
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  Speaker 2: was drunk when they did the survey, so no one
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  Speaker 2: really knows where they sit. The UK, everybody is trying
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  Speaker 2: to get to a dentist. The Netherlands and Denmark great place,
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  Speaker 2: wooden shoes, I mean a really great place to go,
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  Speaker 2: great flowers, grape cheese. During the study, researchers asked questions
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  Speaker 2: like I'm the center of attention with my outstanding contributions,
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  Speaker 2: and i want my right to fail oh yeah, if
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  Speaker 2: they ask me that, Oh yeah. I love the fact
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  Speaker 2: I feel more successful when you fail. I'm very big
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  Speaker 2: on that philosophy. I like hanging around poor people. You know,
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  Speaker 2: I don't have rich friends, only poor people. I hang
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  Speaker 2: around because it makes me feel richer. And that's why
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  Speaker 2: it's a question of how you deal with and look
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  Speaker 2: at reality. So researchers then ranked for signs of narcissistic admiration,
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  Speaker 2: and that's attention seeking, desire to impress others, need to
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  Speaker 2: self enhance. We're very big on that. We do a
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  Speaker 2: lot of self enhancement in this country. We do well, Lindsey.
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  Speaker 2: You know it's self help books. I got dozens and
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  Speaker 2: dozens of them here. And younger adults actually were found
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  Speaker 2: to have more grading personality disorders than older folks. Why
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  Speaker 2: because younger folks are these selfie snapping generation. Look at
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  Speaker 2: what is put up on YouTube and what's put up
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  Speaker 2: on Instagram. It's all videos of you showing your friends.
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  Speaker 2: Here's what I'm doing. Look at this here I am
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  Speaker 2: pettying my dog. Who gives a rats ass what your
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  Speaker 2: dog looks like. Lindsay has five thousand photos of Tommy,
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  Speaker 2: our dog. I'm not exaggerating either. We are that kind
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  Speaker 2: of generation. So men were found to be more self
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  Speaker 2: obsessed than women. Oh and the research, by the Way
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  Speaker 2: show that roughly one in twenty Americans meet the criteria
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  Speaker 2: for the narcissistic narcissistic personality disorder. It is considered a disorder,
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  Speaker 2: now recognizable disorder. Huh, that's interesting. So we are the
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  Speaker 2: greatest country in the world. I think so. In many
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  Speaker 2: many ways. I am the greatest talk show host that
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  Speaker 2: has ever lived. Yeah, I think so. The Morning crew
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  Speaker 2: we are the best morning show in radio, notwithstanding Neil
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  Speaker 2: and Amy and Will who try to bring it down
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  Speaker 2: as much as possible. But we're six. Don't give me
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  Speaker 2: the I don't want to hear that. We do very well.
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  Speaker 2: And why do we do very well? Because everybody else sucks? Okay,
• 6:39
  Speaker 2: we're done with that, all right. A story I've shared
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  Speaker 2: with you several times has to do with home insurance,
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  Speaker 2: my insurance, and how insurance companies are simply canceling. So
• 6:51
  Speaker 2: when I sold the Persian Palace, my insurance lapsed three
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  Speaker 2: weeks before escrow closed, and I was there. I couldn't
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  Speaker 2: get insurance. Man, was I happy waking up in the morning,
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  Speaker 2: knowing I didn't have home insurance and I finally got
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  Speaker 2: it at twice the rate I was paying twice.
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  Speaker 1: And here I am.
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  Speaker 2: At my house and my insurance my new house, which
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  Speaker 2: is less than half of the square footage, I'm paying
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  Speaker 2: far more than I used to pay. Insurance has just
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  Speaker 2: gotten out of hand. And a couple of myths I
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  Speaker 2: want to share with you about our rising costs, less availability,
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  Speaker 2: other issues with insurance, delays, denial of claims. That's getting worse.
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  Speaker 2: And why is insurance going south? Well, the risk of wildfires.
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  Speaker 2: Look at the wildfires the last few years, other disaster.
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  Speaker 2: How does insurance play a role? Well, it plays a
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  Speaker 2: huge role in our life and the health of the
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  Speaker 2: insurance market affects our ability individuals and communities to replace, rebuild,
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  Speaker 2: recover after a catastrophe. I did not have earthquake insurance
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  Speaker 2: for a while. I am now getting my earthquake insurance
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  Speaker 2: policy and I'm waiting for the quote. Cannot wait to
• 8:11
  Speaker 2: see how much that's going to cost. But I am
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  Speaker 2: anticipating the big one hitting, so I want to be insured. Okay,
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  Speaker 2: So here's a couple of facts. Everyone needs insurance. Landlords, renters,
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  Speaker 2: small business owners. Anyone who drives auto, who drives needs
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  Speaker 2: auto insurance by law, Well, the state doesn't require renters
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  Speaker 2: to buy insurance. There's a loophole. But I don't know
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  Speaker 2: of any landlord that would rent without without the leaseholder,
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  Speaker 2: without the renter not getting insurance. And so what's going
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  Speaker 2: on here in California, Well, affordable insurance is bailing. Insurance
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  Speaker 2: companies have said no, and they've said no to both
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  Speaker 2: home and commercial properties. And some people then turn to
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  Speaker 2: what are called non admitted insurance companies, not licensed, not
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  Speaker 2: regulated by the state. One of the things that makes
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  Speaker 2: California so unique in an outlier, is that in nineteen
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  Speaker 2: eighty eight we approved an insurance law and it is.
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  Speaker 2: What we do now is elect an insurance commissioner, and
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  Speaker 2: the commission regulates how much an insurance company can charge.
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  Speaker 2: And since it's an elected commissioner, guess what where do
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  Speaker 2: you think the loyalties lae towards being re elected or
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  Speaker 2: helping out the insured? Well, of course they're going to
• 9:40
  Speaker 2: go for re election. I think it has backfired big time. However,
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  Speaker 2: insurance in California is right in the middle. You know, Florida,
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  Speaker 2: which very low regulation, actually is the most expensive state
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  Speaker 2: in the United States have insurance. And the bottom line
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  Speaker 2: is insurers, if they don't need money, they're gone.
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  Speaker 1: They just bail.
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  Speaker 2: And that's what they're telling the insurance commission and they're
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  Speaker 2: taking on their telling Laura or Ricardo, Laura, our insurance commissioner, saying,
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  Speaker 2: if you don't get our rates, we're bailing out of here.
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  Speaker 2: And so based on that, the rates have not increase dramatically,
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  Speaker 2: but increase enough for the insurance company to make to
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  Speaker 2: make some money. Insurance companies generally do very well, even
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  Speaker 2: in California.
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  Speaker 1: And why is that Well, because.
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  Speaker 2: They're not ensuring people, they're ensuring businesses, they're not ensuring homeowners.
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  Speaker 2: I had a bitch of a time getting home insurance
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  Speaker 2: and it's insanely expensive. It's we are in a rough
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  Speaker 2: time when it comes to insurance just because we live
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  Speaker 2: in southern California. I mean, you have to get a
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  Speaker 2: separate earthquake insurance policy. Good news on that one one
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  Speaker 2: for the insurance company. So they're going to collect premiums
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  Speaker 2: just for that. But fire insurance because of the wildfire risk,
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  Speaker 2: is insanely expensive. One of the myths that I have
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  Speaker 2: been telling you about is the insurance companies are losing money.
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  Speaker 1: They are not. Why is that?
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  Speaker 2: Because they're only insuring places and people and businesses where
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  Speaker 2: they can make money. There's another reason California is such
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  Speaker 2: a great place to live because of insurance costs. And
• 11:30
  Speaker 2: let's not talk about the traffic and if you live
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  Speaker 2: down near Tijuana, the Tijuana River, where you're going to
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  Speaker 2: get very.
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  Speaker 1: Ill because it's all sewage.
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  Speaker 2: There are a lot of advantages disadvantages.
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  Speaker 1: Insurance is one of the big ones for sure.
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  Speaker 2: Okay, oh, tomorrow Tomorrow we sort of have a modified
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  Speaker 2: show and just eight o'clock. We're reversing what we normally do,
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  Speaker 2: and that is Ask Handle Anything. Will be at eight
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  Speaker 2: o'clock till eight thirty and then at eight thirty nine
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  Speaker 2: it'll be Foody Friday, and we for ask Candle Anything.
• 12:05
  Speaker 2: We need you to jump in because if you don't
• 12:08
  Speaker 2: do it, we don't have ask Candle Anything. And so
• 12:10
  Speaker 2: during the show, you go to the iHeartRadio app, you
• 12:14
  Speaker 2: click on to KFI. You'll hear this show streaming, and
• 12:17
  Speaker 2: you go to the upper right hand corner there's a microphone.
• 12:20
  Speaker 2: Click on that you'll have ten fifteen seconds to record
• 12:23
  Speaker 2: a question, and it is the primary reason is to
• 12:27
  Speaker 2: embarrass me.
• 12:28
  Speaker 1: Neil chooses those questions which do.
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  Speaker 2: Exactly that, and then I answer those questions in real time,
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  Speaker 2: having not heard them before. Now, every week or every month,
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  Speaker 2: we get the unemployment figures, and what are the unemployment figures?
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  Speaker 1: What do they tell us?
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  Speaker 2: They tell us how many people have applied for unemployment,
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  Speaker 2: how many claims are there?
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  Speaker 1: And it goes up and down.
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  Speaker 2: And then there are the economists who guess, federal economists
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  Speaker 2: as well as private economists, who guess what the figure
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  Speaker 2: is going to be, and if it comes in below
• 13:04
  Speaker 2: that figure, then the economy is not doing well. If
• 13:08
  Speaker 2: it comes in above what they anticipate, then oh boy,
• 13:10
  Speaker 2: were in good shape. Well, the reality is that number
• 13:14
  Speaker 2: really doesn't matter because there are so many aspects to
• 13:19
  Speaker 2: that number, and one of them I'm going to share
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  Speaker 2: with you, and that is the number of adults who
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  Speaker 2: are not in the labor force nilphs, not to be
• 13:29
  Speaker 2: confused with milts, that is entirely different. Now, the number
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  Speaker 2: of nilhs not in the labor force has reached an
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  Speaker 2: all time high in June to one hundred and five
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  Speaker 2: million dollars one hundred and five million people according to
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  Speaker 2: the Federal Reserve of Saint Louis, the Bank of the
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  Speaker 2: Federal Reserve Bank. And this comes after this massive surge
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  Speaker 2: of eight hundred and thirty thousand workers dropping out of
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  Speaker 2: the labor force in June. Keep in mind, when someone
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  Speaker 2: drops out of the labor force, not only are they
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  Speaker 2: no longer employed, they're no longer looking for work, and
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  Speaker 2: they don't exist anymore in terms of the stats, and
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  Speaker 2: that is a problem. The overall number of nylphs is
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  Speaker 2: higher than at the height of the Great Recession or
• 14:22
  Speaker 2: COVID or the pandemic. Now it's pretty broad. The number
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  Speaker 2: of nylphs that is not in the labor force covers
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  Speaker 2: all Americans age sixteen and over who aren't currently working,
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  Speaker 2: not only those who are not looking for work or
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  Speaker 2: on unemployment who are eligible, but also you're looking at
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  Speaker 2: retirees and students who are legitimately not looking for work.
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  Speaker 2: So we have two kinds of people looking for work,
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  Speaker 2: those who should be working and are not working or
• 14:59
  Speaker 2: not looking those who should not be working retirees and students.
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  Speaker 2: Labor economist Nicholas Eberstadt, and he's the one that is
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  Speaker 2: the big expert here. He said that if you go
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  Speaker 2: down into the data, we've got a startling pattern of dropouts. Boy,
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  Speaker 2: this doesn't look good, particularly among men. He said, We've
• 15:19
  Speaker 2: got a big problem, and that's the flight from work
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  Speaker 2: of prime age men, the people that should be working.
• 15:27
  Speaker 2: And that's what's been carrying the overall prime age labor
• 15:31
  Speaker 2: force participation. And that has and I'll tell you what's
• 15:34
  Speaker 2: made it strong, well at least partially strong, is the
• 15:38
  Speaker 2: number of women, not men, who are now working.
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  Speaker 1: Men are not interesting stats.
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  Speaker 2: Over five million workers, that's five percent of Nylph's and
• 15:49
  Speaker 2: we're still talking millions of people. They've dropped out because
• 15:53
  Speaker 2: they're discouraged, because they're not even bothering to.
• 15:56
  Speaker 1: Look for work.
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  Speaker 2: AI has effectively wiped out their jobs. And there are
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  Speaker 2: plenty of jobs that don't exist anymore because of AI.
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  Speaker 2: Entry level jobs, for example, in the computer industry, which
• 16:09
  Speaker 2: used to be so available you just walk across the
• 16:12
  Speaker 2: street and get more money and you can do that
• 16:15
  Speaker 2: every week. Those jobs have all disappeared. And twenty two
• 16:20
  Speaker 2: percent of American milk populations are on long term illnesses, disability,
• 16:25
  Speaker 2: or benefits. That's twenty three million people. So these numbers
• 16:32
  Speaker 2: while they're all over the place. So when we hear
• 16:34
  Speaker 2: about unemployment numbers from the government that really mean almost nothing.
• 16:38
  Speaker 1: When you dive into.
• 16:39
  Speaker 2: The data, now it means a lot. Okay, we finish
• 16:43
  Speaker 2: up the entire issue of unemployment, where employment seems to
• 16:47
  Speaker 2: be pretty good if you look at the numbers, even
• 16:50
  Speaker 2: in light of what AI is doing to entire industries,
• 16:55
  Speaker 2: and it's and I have to tell you.
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  Speaker 1: It is very rough. My daughter's in the middle of it.
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  Speaker 2: She's getting your master's degree in computer sciences and works
• 17:05
  Speaker 2: at a bakery because there's no entry level jobs available.
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  Speaker 1: And she's not alone.
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  Speaker 2: Now, this is a story, an economic story about nilphs.
• 17:15
  Speaker 2: As I said, not to be confused with MILFs. And
• 17:18
  Speaker 2: that's the number of adults who are not in the
• 17:21
  Speaker 2: labor force. That is an all time high, to one
• 17:24
  Speaker 2: hundred and five or almost one hundred and nine million
• 17:27
  Speaker 2: people in June. We've never had that high number. Actually
• 17:33
  Speaker 2: before that it was the labor force only dropped this
• 17:39
  Speaker 2: low before or during the Great Great respresh recession. And
• 17:46
  Speaker 2: so one of the reasons this is happening is we
• 17:50
  Speaker 2: have a rapidly aging population. Now, keep in mind unemployment.
• 17:54
  Speaker 2: If you dive into the numbers, and all we get
• 17:56
  Speaker 2: is how many people may claims, how many people don't
• 17:58
  Speaker 2: make claims. And if the number of claims are down
• 18:02
  Speaker 2: relative to what expectations are, then it's horrible. If the
• 18:07
  Speaker 2: numbers are up, things are great. Well, it's a little
• 18:08
  Speaker 2: more complicated in that to say the least. And here's
• 18:12
  Speaker 2: an interesting fact. If you go go to Europe in Japan,
• 18:14
  Speaker 2: which also have the problem of aging, that is the
• 18:18
  Speaker 2: big issue. Baby boomers are just aging and they're out
• 18:21
  Speaker 2: of the workforce. That has a huge influence. Well, you
• 18:26
  Speaker 2: go to Europe and Japan, they're both aging faster than
• 18:30
  Speaker 2: we are, and their workforce participation is going up. So
• 18:36
  Speaker 2: how is this possible? I mean, what makes this work well?
• 18:41
  Speaker 2: Or why is this happening? Well, the two big reasons
• 18:46
  Speaker 2: are aging and people not being able to find work,
• 18:50
  Speaker 2: and because of that, they're just out of the labor force.
• 18:53
  Speaker 2: And as I told you in the last segment, people
• 18:55
  Speaker 2: who are no longer working don't count. Are no longer
• 18:58
  Speaker 2: looking for work, don't count. The unemployed, they are not employed,
• 19:01
  Speaker 2: they just don't exist. And so the other reason, of course,
• 19:05
  Speaker 2: the baby boomers are retiring and the number of people
• 19:08
  Speaker 2: are on. Disability is huge, and we have a lot
• 19:10
  Speaker 2: of loopholes in our system, and that seems to be
• 19:14
  Speaker 2: one of the big issues, and the researchers are looking
• 19:20
  Speaker 2: at the loopholes we have. We have a sprawling disconnected
• 19:27
  Speaker 2: program or a group of disability programs that offer a
• 19:31
  Speaker 2: whole lot of blind spots, allowing people to fall through
• 19:35
  Speaker 2: the cracks, or allowing people who are basically dishonest to
• 19:42
  Speaker 2: apply for and get unemployment benefits, and so it's the
• 19:46
  Speaker 2: numbers are completely skewed. Also, you have people, and this
• 19:50
  Speaker 2: has a lot to do with it, because retirees don't
• 19:54
  Speaker 2: have enough money to retire on a huge number of
• 19:58
  Speaker 2: people who should be retired and not be working anymore
• 20:02
  Speaker 2: are working part time. That has to be considered too.
• 20:05
  Speaker 2: I mean, I go to Costco, as you know, twice
• 20:06
  Speaker 2: a week, that's my therapy. And you look at the
• 20:09
  Speaker 2: people they give you samples. How many of them are
• 20:12
  Speaker 2: now elderly? How many people are not so young anymore?
• 20:18
  Speaker 2: I've noticed numbers increased traumatically. And of course you go
• 20:22
  Speaker 2: to Walmart, welcome to Walmart, or.
• 20:25
  Speaker 1: Well Loo, get them to Walmart.
• 20:27
  Speaker 2: Did I do a good job of making myself sound old,
• 20:29
  Speaker 2: not bad. All right, We're done, guys.
• 20:31
  Speaker 1: You already sound old.
• 20:33
  Speaker 2: I know well, thank you, I already sound old. Incidentally,
• 20:38
  Speaker 2: tomorrow's show we will have another board op in place
• 20:43
  Speaker 2: of knoh and let's kno. It has been a pleasure.
• 20:46
  Speaker 2: You have done a great job. All right, we are done.
• 20:48
  Speaker 2: Gary and Shannon are up next tomorrow. It's ass handle
• 20:52
  Speaker 2: anything at eight o'clock instead of a thirty. And we're
• 20:55
  Speaker 2: gonna do foody Friday at eight thirty to nine. And
• 21:00
  Speaker 2: in the meantime, of course, we start again five am
• 21:03
  Speaker 2: with Will Cole Schreiber and Amy our newsperson, and Kono
• 21:09
  Speaker 2: and Ann always here to make the show work, and
• 21:12
  Speaker 2: Neil and I are here from six to nine where
• 21:14
  Speaker 2: the show generally doesn't work. This is KFI AM six
• 21:19
  Speaker 2: point forty.
• 21:20
  Speaker 1: You've been listening to the Bill Handle Show.
• 21:22
  Speaker 2: Catch my show Monday through Friday six am to nine am,
• 21:25
  Speaker 2: and anytime on demand on the iHeartRadio app.